Three Reasons To Buy Used From a Ford Dealership

From clear financial incentives to increased reliability and better buying tools, there has never been a better time to consider buying a used car or truck. Not sold? Here are three reasons to buy used for your next vehicle.

Save Yourself Money

It’s no secret that buying a vehicle used instead of new will save you money, but just how much money can you save? Statistics from Kelly Blue Book show that in 2015 Americans spent an average of $33,500 on new vehicles versus just over $20,000 on used. That’s an approximate $13,500 in savings.

With buying new, there is also the depreciation factor. As soon as you drive a new car off the lot, its price drops by several thousand dollars. According to statistics from Consumer Reports, a new car purchased in today’s market will depreciate to just 54 percent of its original price tag after just three years on the road. With used vehicles, such depreciation is a rarity, making trade-ins and sales back to the dealership more economically viable.

Get A Reliable (And Better) Vehicle

Going the used route can free up resources and allow you to buy a better and more reliable vehicle. The rationale is simple: when you save by buying your car used, you can put that extra money towards a better make or model. If you do your homework, the cost should be about even – and in the long run, the investment will likely fall in your favor. By choosing a better-made model, your used vehicle will likely outlive the new, less reliable alternative. Plus, with the lifespan of today’s cars at an all-time high, even vehicles with several years on the road can be a sound investment. According to a 2015 survey by IHS Automotive, the average age of cars on US roads has reached 11.5 years, with estimates projecting a continued increase in lifespan. For used car buyers, this is good news. The used vehicle is no longer a temporary fix, but a reliable alternative to buying new.

Vehicle History Reports and CPO Programs: The Future of Used Car Buying

Today’s certified pre-owned (CPO) programs further guarantee that when you buy used, you get a reliable car in great condition. Since a growing number of new car drivers today choose to lease their cars rather than buy them, dealerships nationwide have substantial inventories of CPO trade-ins to buy. New car leases typically involve 3-year contracts with restrictions based on condition and mileage, which mean when they trade in their vehicles they are still in excellent condition.

Whether you are buying a CPO model or a car from the regular used car dealership, the prevalence of vehicle history reports through online services makes it easier than ever to find a reliable used vehicle. Enter the automobile’s Vehicle Identification Number (VIN) and gather valuable information about its history and registration. A dealership will be happy to assist you with this process. With today’s tools, you will be able to find a high-quality used vehicle faster than ever.

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Protect Yourself Against, and Mitigate Damages From, Identity Theft

We’ve all heard of it. But we all think that we’re invincible to it. Identity Theft!

What is it? It refers to the preparatory stage of acquiring and collecting someone else’s personal information for criminal purposes.

Identity theft techniques can range from unsophisticated, such as dumpster diving and mail theft, to more elaborate schemes.

If your identity is stolen, do you have a plan in place to mitigate the damages? If not, you should at least bookmark this, just in case you need it in the future.

Identity thieves are looking for the following information:
• full name
• date of birth
• Social Insurance Numbers
• full address
• mother’s maiden name
• username and password for online services
• driver’s license number
• personal identification numbers (PIN)
• credit card information (numbers, expiry dates and the last three digits printed on the signature panel)
• bank account numbers
• signature
• passport number

There are things that you can do to protect yourself from identity theft, and there are steps that you can take to minimize the damage and help bring the thief to justice.

Here are 5 things that you can do right now to protect yourself:
1. Do not sign the back of your credit cards. Instead, put ‘PHOTO ID REQUIRED.’
2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the ‘For’ line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your cheque as it passes through all the cheque processing channels won’t have access to it.
3. Put your work phone # on your checks instead of your home phone. If you have a PO Box, use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SIN printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.
4. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place.
5. When you travel abroad, carry a photocopy of your passport. We’ve all heard horror stories about fraud that’s committed on us in stealing a Name, address, Social Insurance number, credit cards, etc…

If your identity does get stolen, what kind of things can you expect to have happen?

Here are just some of what they can do:
1. Access your bank accounts
2. Open new bank accounts
3. Transfer bank balances
4. Apply for loans, credit cards
5. Make purchases
6. Buy cell phone packages
7. Credit line approved by retail stores
8. Access your driving record, and change your information online

If you are a victim, here’s some critical information to act on immediately:
1. Cancel your credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them. This is why we photocopy them (see above). Call your local bank/financial institution as well.
2. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).
But here’s what is perhaps most important of all:
3. Call the nationwide credit reporting companies immediately. Ask them to put a fraud alert on your name and credit report. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.

Here are the numbers for two national credit bureaus:
1.) Equifax: 1-800-465-7166
2.) TransUnion Canada: 1-877-525-3823
3. Order free copies of your credit report from each of the nationwide credit reporting companies.

Have you even been a victim of identify theft? Tell us your story and maybe others can learn from what you did, or didn’t do.

PlanningTravelling Alone

Often people are shocked when they hear that I love to travel alone. Some state that they would be afraid to do this while others imply that they just don’t think they would enjoy the trip without having people accompany them.

Well, there are several advantages to going solo:

1. Planning is much easier. You just think about where you would like to visit and start researching your options. You can open an email with flight offers and book whatever grabs your attention at the time without having to consult or compromise.
2. Travelling is more flexible. If you miss a plane or decide to get sidetracked you can coordinate things based on one schedule only – your own. You don’t have to worry about anxiety or commitments of others in your party. In fact, you could even choose to give up your seat on an overbooked flight and receive hundreds of dollars from the airline for doing so.
3. Opportunities abound. It is a lot easier to purchase one ticket to a popular event that two. Several times I have impulsively arrived at a box office and found that the concert was sold out – except for one great ticket – MINE! Would you believe twenty-third row center for Natalie Cole in Seattle?
4. Relationships develop. Frequently I am invited to join interesting people at their table for a meal when they realize that I am on my own. I have made amazing friendships and enjoyed great conversations on trips that wouldn’t have occurred if I had been with other people.
5. Culture can be experienced first-hand. There is always time to visit with hotel or restaurant staff, discover local adventures or learn about the language and customs from a shop keeper because no one is waiting for you or wanting to do something else.
6. Plans can be altered. You can sleep in, order lunch in mid-afternoon or take an impulsive detour without upsetting anyone else’s itinerary.
7. You set the pace. I have learned to walk slowly and rest often – a situation that does not match that of many other people. Last month, in Ronks, Pennsylvania, for example, I chose to take advantage of an outdoor Amish-made rocking chair so I could just rock and people-watch for two hours. I loved it but know that not everyone would have felt the same way!
8. You spend less money. At least I do because I know that I am the one who will have to haul my luggage around from place to place. And I don’t want to pay an extra transportation fee if it weighs in att over fifty pounds.
9. I also eat better when I am alone because I am not in restaurants three times a day trying to finish everything on the plate. In fact, I eat only one restaurant meal a day, ask for a take-out container and then supplement my left-overs with fruit, vegetables or snacks that I have purchased throughout the day.
10. Finally, and with tongue in cheek I enjoy the fact that there isn’t anyone to correct my stories!

You don’t have to be afraid to travel on your own if you are wise. Just use your common sense, ask hotel personnel for advice about safe areas and keep your eyes open. With just a little practice, you will find that travelling on your own can be a wonderful experience!

Lender Won’t Offer You Money? Use A Payday Advance!

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Are you presently stressed out concerning your funds? Everyone receives doing this sometimes, there is however support for you personally. You can get a pay day loan from your business that gives short-expression loans. Nevertheless, there is something you need to take into account when dealing with this method. Follow this advice to make sure this process moves efficiently.

By taking out a cash advance, make sure that you can pay for to pay for it back within 1 to 2 several weeks. Payday cash loans should be applied only in emergency situations, if you genuinely do not have other options. When you sign up for a pay day loan, and are unable to pay it rear without delay, two things take place. Initially, you have to pay a payment to keep re-stretching the loan till you can pay it back. Secondly, you keep obtaining billed more and more curiosity.

Study numerous pay day loan firms just before deciding on one. There are numerous businesses on the market. Many of which can charge you severe monthly premiums, and service fees in comparison to other alternatives. In fact, some may have short-term deals, that really make any difference from the total price. Do your persistence, and make sure you are getting the hottest deal possible.

Make sure you decide on your payday loan cautiously. You should look at how long you happen to be offered to repay the money and exactly what the interest rates are similar to prior to selecting your pay day loan. See what your greatest choices are and make your assortment to save funds.

Assess loan companies to no in about the most beneficial rates of interest. There are several lenders which have actual physical places but there are also loan providers on the web. All of them want your business and ought to be competitive in value. There are also creditors who give new consumers an amount lowering. Check out all of your choices prior to deciding on a financial institution.

Don’t get to a paycheck financial institution vacant-handed. You might need a couple of issues when you go to get the personal loan. First are 3 spend stubs, the proper ID, and proof which you have a bank checking account. All this is dependent upon the borrowed funds firm, as requirements do differ from financial institution to loan company. You should call before heading, so that you know what papers will be essential.

If you must take out a pay day loan, be sure you study almost any small print of the financial loan. If there are fees and penalties associated with paying down early on, it is perfectly up to you to definitely know them at the start. If there is nearly anything that you just do not recognize, tend not to indicator.

Know what kinds of info you need when attempting to get a payday advance. The requirements can be distinct for every loan provider, however they will more often than not want proof of your bank account and your place of employment. When you are picking a payday advance business, be sure to discover what documents they will likely will need from you.

When applying for a cash advance, you ought to only demand to obtain only what you are able pay back very easily with the thanks day. Don’t obtain more cash than your need to have even when the loan provider offers it for your needs. They can be just seeking to make far more service fees for their own reasons.

You ought to only make application for a payday loan if you are virtually from possibilities. Online payday loans carry very high interest rates which actually have you spending in close proximity to 25 % in the preliminary volume of the borrowed funds. Consider other solutions prior to borrowing dollars via a payday advance.

Make sure to stay current with any rule adjustments regarding your pay day loan lender. Legal guidelines is always getting passed on that changes how creditors may operate so make sure you comprehend any principle adjustments and the way they have an impact on you and your bank loan before signing a legal contract.

Try to look for a payday loan organization that gives lending options to people with a bad credit score. These loans are derived from your task condition, and ability to repay the borrowed funds instead of relying on your credit history. Securing this sort of advance loan can also help you to definitely re-construct very good credit. Should you comply with the relation to the agreement, and pay it rear by the due date.

Check with what the rate of interest of your cash advance will likely be. This is important, because this is the exact amount you will need to shell out as well as the sum of money you happen to be borrowing. You may even wish to look around and receive the best interest you can. The low amount you discover, the reduced your total payment will be.

Reading this article, you now realize that payday loans have critical effects. Should you aren’t confident in your knowledge, investigation your state’s legal guidelines on payday cash loans. Do not forget to place the information earlier mentioned to utilize prior to getting your next cash advance.