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3 Quick Tips To Stop Emotional Eating
It's been called the number one sabatoger of weight loss plans everywhere, whether low carb or low fat, diet or natural weight loss. It's the dreaded E. E. Emotional Eating. If you've ever binged on brownies out of boredom, shoveled French fries...
Ten Top Tips on Making Money Online With Articles
Writing articles related to your product or service is an
excellent way to boost your sales without costing you a dime.
Search Engines are constantly on the look out for freshly
written content. So how do you come up with ideas for your...
The Top Five 2003 Marketing Tips That Can't Be Ignored
When marketing your practice, as well as designing your brochure, web site, business card, flier, advertisement, or other marketing effort, we recommend investing the time and effort needed to effectively address all these tips. Not one of them can...
Top 10 Dream Interpretation Tips (That The Experts Use To Interpret Your Dreams…)
Here are some tips for unlocking the coded messages that your dreams are sending you:-. 1.Always keep a dream journal so you don't forget your dreams. It's best to use a tape recorder to record the dream when you first wake up, and then write the...
Top Ten Tips About Communication with your Employees Effectively
Employees need to have the most effective communication directed at them to ensure they deliver. Yet managers in business and organisations so often fail to grasp the basics. These Ten Tips will help you to get the message across the most...
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Auto Loans : Top 5 Tips For The Best Rate
You've got your eye on that shiny new Lexus - okay, maybe it's a Kia, but it's perfect and you want it to be yours, all yours - as soon as possible. At the same time, you certainly don't want to be saddled with paying nearly double the car's value by the time you finish paying off the car loan. Here are five tips to help you get the best possible interest rate on an auto loan to put the car of your dreams in your driveway.
1. Check your credit rating.
If you don't already know what's in your credit report, this is a good time to find out. Before you apply for an auto loan, get a copy of your credit report to find out what surprises may be lurking in it. You may just find out that it contains erroneous information that should be corrected, or that there's something negative on it that can be either explained away or fixed easily with a couple of phone calls or letters. Either way, it always helps to know what the credit reporting agencies are saying about you before you start shopping around for a loan.
2. If you have good to excellent credit...
...then you may qualify for special incentive financing available through the car dealer. If the car dealer is offering a low, low finance rate, check all the terms and conditions carefully BEFOREHAND online to make sure that you qualify. Most often, that 1% financing rate is reserved for those who have excellent credit and can afford to do a 12 month financing plan. If that's you - then grab the deal. 1-2% financing is a bargain if you can handle the other terms and conditions attached.
3. If you need a longer term than 12
months or have spotty credit...
...arrange your financing yourself before setting foot on the car lot. Check with your usual bank for a new auto loan first, as they may have better interest rates for those who are already established customers, or who carry all their savings, checkings and loan accounts through one bank. It may save you a few percentage points in interest to do business with someone who already knows you.
4. Shop online for the best auto loan available.
At many online credit web sites, you can submit a request for multiple quotes from area finance agencies and lending firms. Simply submit your request for an auto loan quote through an online form, and the web site will submit it to up to four financing firms at once. A representative from each agency will contact you within a few hours to a day or two to discuss your request with you and give you a quote for an interest rate and monthly payment amount that they can offer you. Online shopping for credit makes it easy to compare and pick the best auto loan terms for you.
5. If your credit is bad but you need that car...
...one of your best and most often overlooked options is to find someone to cosign the loan for you. In most cases, when you have a cosigner, you'll get the interest rate that THEY qualify for, which means a lower monthly payment for you.
About the Author
Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk.
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