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Tag: advice

  • Car Loan – An advice to listen before taking one

    It’s a beautiful day and you are on your journey to a resort to enjoy your holiday. While you are driving your car, suddenly “Boom!!!” One of your car tires blowouts and luckily you did not drive fast and able to get the car towed to nearest workshop. Now problem has come if you are on tight budget every month paying your car loan, credit cards, house loan or house rental.

    Most of the people did not really allocate some money for car maintenance, or in other words, they did not even follow the basic car maintenance schedule to take care of their car. Otherwise, blown tire will not happen. Here comes the question, aren’t every car come with owner’s manual that tells the owner when to give the car a basic check and replace what is needed to be replaced?

    Mainly, there is only a reason when people do not maintain their car, money. InAmerica, if the car loan is higher than roughly 13% of your monthly income, it is consider high. If you are able to loan a car with monthly car payment of $400 dollars, you should consider getting a car within $300 to $350 monthly car payment. Save up the $50 for car maintenance. In US, a standard 16” tire could cost from $80 to $110. When you get a blown tire because of the tire thread has wear out, you MUST change all the other tires together. That means you will have to at least prepare $400 for the tire and another $100 for labor, car alignment adjustment as well as balancing. Keep in mind that $500 is just for tire maintenance, the calculation haven’t include basic maintenance like engine oil change, transmission oil, air filter, brake pads, brake fluid, and among others.

    In a nutshell, consider properly before signing up any car loan, try not to make it higher than 11% of you or your total household income. Check properly the warranty dealer give to you. There are many things always did not included in the warranty or extended warranty. Car tire blowouts are always the top cause of any car accidents, therefore, keep your car in best condition is a must. If you want to drive a luxury car, make sure you drive it in a rich way that money to maintain it is never be a concern.

  • Buy a new car: Three questions to ask

    In Chinese proverb, there is a quote says “一种米养百种人 (Yī zhǒng mǐ yǎng bǎi zhǒng rén)”, which literally means one kind of rice will raise a hundred kinds of people. It takes all sorts to make a world. When come to the discussion to buy a new car or a used car, many people has different thoughts and often these thoughts are controversial. Some people prefer to buy pricey cars that higher than what they can actually afford, while some people prefer least expensive but just a small car that would take them to wherever they want to go. (more…)

  • Advice about car leasing

    Here is a list of tips and advice about car leasing that you must listen to if you are looking for the most honest car leasing advice. These advices not only give you a good guide and lead you to the best car leasing but also help you to avoid car dealer’s scam as well as high leasing interest rate. A penny saved is a penny earned, 1% differences can bring a huge saving in the end of the day.

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  • Advice on buying a car

    Here is some advice on buying a car including what car to choose, advice on buying new or used car base on needs and how to get cheap car insurance and car loan. There are many ways you can save up a lot of money when buying a car as long as you choose the right car, right car insurance, and best loan APR rate. In fact, you will not save any penny if you are buying some exotic sports cars. (more…)