You’ve negotiated all that you need to negotiate. The purchase price is right. The trade has been successfully negotiated. All that is left is the loan document itself. Read and sign, and you’re on your way, with keys in hand and the salesperson and finance person beaming as you drive away in your new vehicle. … Continue reading Reading Between the Lines — What Auto Loan Documents Really Say
You will afford yourself a great deal of flexibility and savings by getting pre-approved for a car loan before you shop. Following are but a few of the benefits: Pre-approval puts you in the driver’s seat by eliminating the expense and pressure of dealer financing. You will not have to sacrifice dealer rebates or discounts … Continue reading Obtain a Pre-Approved Car Loan for Ease and Convenience
That car looks great sitting on the lot. You’ve driven by it several times, and you are certain it is calling your name. Is it really a good, dependable car to own? Or is it a lemon that you should avoid? Here are some tips to ensure that your dream car will last much longer … Continue reading How to Avoid Buying the Wrong Used Car
Financing a new automobile, but not sure where to start? There are several important factors to consider when financing a new vehicle, but knowing your credit score is critical to understanding how much it could cost you to finance that new car. Credit Score Credit scoring is a method by which creditors determine whether or … Continue reading Where to Start when Financing a New Vehicle
Auto dealers have a pat repertoire of questions designed to pigeon-hole potential car buyers into long-term finance agreements. Regardless of your previous car buying experience, or whether you are looking to buy new, used, or lease, understanding key questions frequently used by auto dealers, as well as pertinent answers, will strengthen your negotiating power: Questions … Continue reading Be Prepared for Negotiating Car Prices
Teachers and other educators should save their receipts when buying classroom supplies that are unreimbursed, since they may deduct up to $250 of it on their taxes. This tax break originally expired at the end of 2004, but was recently renewed. Eligible educators include K-12 teachers, instructors, counselors, principals, and aides. In addition, they need to … Continue reading The Teacher Tax Deduction
Most students embarking on a university or college education have saved diligently for several years by working on summer or evening jobs and by putting aside any money that comes their way. Most rely on some assistance from their parents as well, but the financial realities of attending post-secondary courses come as a shock nevertheless, … Continue reading Beating the High Cost of University Text Books
Qualified Tuition Programs (QTPs), officially referred to as a “529 plan,” is an excellent way to save for your children’s college. This state-sponsored plan, available in every state, lets you, grandparents, relatives, or anybody else contribute at any time. The interest is all tax-free, and when the student draws out money for college, it is … Continue reading 529 College Savings Plans
If the cost of higher education is keeping you out of school, then you may be thinking that it’s impossible to earn that desired degree. But before you give up hope, here are some strategies which might open some funds, and some new doors to the college or university of your choice: Skip over classes … Continue reading Tips for Dealing with the Costs of Higher Education
People are living to be older than they did even just a few generations ago. As a result, they either need to work longer or save more so they can enjoy a carefree and active retirement. Unless you can count on a large inheritance, you will need to find some way to supplement your Social … Continue reading Investing for Retirement
How do you start investing money? The key to investing is savings. An effective savings strategy coupled with a smart investing strategy will help you to meet your financial goals. Every dollar saved now helps you to control your current consumption by which the size of the income that you think will be required for retirement … Continue reading Investing Begins with Savings
Keeping a budget is not enough. Life always hands us surprises and we often end up with expenses we did not plan for. Because of this there should be another aspect of your financial picture. That other aspect is called emergency money. Emergency Money Emergency money is money that you put away not as an investment and not … Continue reading Emergency Money
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