Car Loans 101: What You Need to Know About Financing a Car

First-time buyers should also be wary of financing deals that sound too good to be true. Weigh your options and get the best deal.

Buying a car is a tough financial commitment.  It might take some help to get all the money for it, but that’s exactly why car loans exist.

Getting a car loan is a relatively painless process, but there are quite a few steps involved that can make it a bit confusing to a first-time buyer. We’ve got you covered if you’re looking for more information about getting a car loan, and what it all means to get saddled up with auto financing.

WHAT IS A CAR LOAN?

If you don’t have the $20,000 or more to purchase a new car, you’re going to have to borrow it from someone. When it comes to borrowing money for any circumstance, there’s going to be a few terms about re-paying the loan. A car payment is separated into the principal amount and interest. Principal is the term used to refer to the actual amount of money being borrowed. While some financing deals offer 0 percent financing, other financing terms require you to pay interest owed on the loan amount.

Agreeing on a car loan also involves a length of time, normally in months of how you’ll pay the borrowed money back. Car loan terms can be anything from 12 months to 72 months or even more in some cases. Knowing your budget and long-term financial situation should help you decide whether you can take a shorter term with higher payments, or a longer term with lower payments.

WHAT KIND OF CAR LOANS ARE THERE?

Car Key and Dollars isolated on white.You can actually shop for a loan, and it’s a good idea to look for a loan before you look for a car. Start by seeing your bank’s interest rates and loan costs. Your bank will usually offer you a good rate since you’re already a customer and they know your financial history.

A credit union is another place you can shop for a loan, which can be cheaper than the bank, but you may need to be a member. Homeowners may also take a home equity loan and pay for their car with cash, helping to reduce the pressure of interest on the car payments.

Finally most auto manufacturers provide their own in-house financing companies at new car dealerships. These companies compete with the banks and credit unions. Remember though, the goal of these companies is to get you into their brand’s cars, so they will likely offer the easiest and best car loan rates.  When it comes to buying a used car, however, the dealership may have another financial institution to provide you with a loan, and often at a rate that benefits the dealer and not you.

Getting a good rate on your auto loan depends on your credit history. If you’ve missed payments in the past, or have a bankruptcy history, then you might not get a loan at competitive rates. Be sure to check your credit history before even shopping for a car loan, so you can correct any mistakes and get the best interest rate on your loan.

LONG-TERM VS SHORT-TERM

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It’s important to understand how much you’ll be spending on a longer term loan. While it does help reduce the monthly payments, you end up paying more money …

 

Read more: http://www.autoguide.com/auto-news/2014/11/car-loans-101-what-you-need-to-know-about-financing-a-car.html

Saving & Budgeting Tips for Low-Income Families

Sometimes your salary isn’t paying quite enough to cover all your needs. But you know what, there is no problem that cannot be resolved. You simply need to put a few things into perspective and you will have an easy time putting your money into good use.

Saving & Budgeting Tips for Low-Income Families

When your income is limited, having a household budget is not only a good idea; it is imperative. Living on a budget might sound restricting or like too much work. However, having a workable family budget is actually quite liberating and simple. It puts you in charge of your money, rather than allowing money to control your life.

Track Your Expenses

Before you can create a workable household budget you have to know where your money is going. Certified Public Accountant Mark Noel recommends tracking family spending for at least a month to six weeks before you start working on a budget. “As inconvenient as it sounds, every member of the family should get a receipt for everything, and I mean everything, they purchase,” he says. Use those receipts to get a clear picture of how and where you spend your money. Using personal finance tracking software can help you track expenditures: you might find some obvious expenses you can cut right away.

Create a Budget

“Implementing a workable budget is the single most important thing a low-income family can do to get control their money,” Noel shares. Getting input from each member of the family will help keep you from leaving out budget items. “Because every member of your family will be affected by your family budget, creating that budget should be a family affair. Having extra sets of eyes on your budget always helps,” Noel adds. If everyone has a say in creating the budget, they are more likely to buy into maintaining the budget.

Budget for Sufficiency

The key is making your household budget work is ensuring it is sufficient for your needs. For example, if you need $200 per month for food, but you only budget $125, your budget won’t work. You’ll end up taking $75 from some other budget category to spend on food which will make that category short, so you’ll take from a different category to fill that need. It becomes a vicious cycle. This is the time in the budgeting process when you might have to make some tough decisions, particularly if your income isn’t sufficient to meet all of your needs, much less your wants.

Make Adjustments

If your budgeted expenses exceed your income, you need to make some adjustments. You only have two options: cut your expenses or increase your

– See more at: http://www.quicken.com/saving-budgeting-tips-low-income-families

8 JAPANESE BEAUTY SECRETS YOU NEED TO KNOW ABOUT

Ever wondered how the Japanese manage to look so young? Women from Japan just don’t age at the same rate as most women. And it’s all due to Japanese skincare secrets.

8 JAPANESE BEAUTY SECRETS YOU NEED TO KNOW ABOUT

Japanese women are famed for their clear, flawless faces and their ability to look 30 even past their 60th birthday. Then, of course, there are the geisha, these mysterious women, whose whole lives are dedicated to beauty in all forms. By the way, the geisha were not courtesans, regardless of how the word’s definition has got mixed up after World War II. Perhaps Japanese women’s beauty has to do with genes or they have some dark secret, such as subjecting themselves to rigorous, cruel beauty routines that we wouldn’t be able to endure for even a week? No, the truth is much simpler and nicer: natural ingredients and constant care. Here are some traditional Japanese beauty tips:

1. Food 

Think for a second what are the foods we associate with Japan – fish, rice and seaweed. These, together with cabbage-family vegetables, make up the bulk of the traditional Japanese diet. No fatty meat, no sugar and no tons of bread. What distinguishes these foods is their abundance of omega-3 fatty acids, health-promoting, anti-aging molecules, fibres, vitamins and minerals in high quantities. Basically, everything that’s essential for your health and good looks.

2. Rice

Rice is one of the most popular Japanese beauty secrets and it needs a special mention, while we’re on the subject of food as an element in the beauty routine of Japanese women. It’s not just a superhealthy food, packed with vitamins and minerals, that helps the skin glow from within. It, or rather the water you’ve boiled it in, or simply rinsed it in, can be used as a facial wash. You can also add it to your bath water. Why? Because it contains the minerals that have left the grains during cooking and it also contains starch, a soothing substance for the skin.

3. Nightingale droppings

Nightingale droppings is another one of unusual Japanese beauty secrets. Yes, you read that right. Bird droppings have been used as facial treatments in Japan since the 17th century, mostly by geishas and kabuki actors at the time but they are now slowly getting international recognition. The secret is a compound called guanine, which has the wonderful properties of brightening the …

 

See more: http://www.mommypotamus.com/50-creative-ways-to-use-mason-jars/

9 Secrets To Make a Long Distance Relationship Work

Keeping the romance alive in a long-distance is not easy, but rest assured that it can be done. When you are successful at making a long-distance relationship work, it can actually be more rewarding and beneficial than a normal relationship.

 

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Long distance relationships (LDRs) are more common than ever in today’s world, thanks to the internet, social media, and Skype. While we might have more modern ways to keep in touch, that doesn’t necessarily mean making a long distance relationship work has become easier for most people. When you’re in an long distance relationship, most people will tell you that LDRs don’t last, that they’re a bad idea and that you shouldn’t get your hopes up.

 
For most of us, the inside of your head isn’t much better: Your mind is constantly worrying if the relationship will last, wondering if the other person is as committed as you are, fearing that it could all end suddenly and you’ll be left to pick up the pieces.
Yes, they say, “Absence makes the heart grow fonder,” but when you don’t have a clear, easy, and effective approach to LDRs, it’s more like, “Absence makes the heart grow more fearful about the relationship.”
The good news is, long distance relationships can be easy if you know the right way to approach an LDR. I’m going to share 8 powerful tips that lead to having a successful long distance relationship.

 
1. Don’t overcommunicate – it’s about quality, not quantity.We’re going to touch on this more in the article, but a key understanding about long distance relationships (and healthy relationships in general) is that the quantity of your interactions isn’t what will lead to deeper connection, greater openness, and better overall satisfaction with the relationship; the quality of the relationship will.So the question then becomes, “what determines the quality of the relationship?” We’ll talk about that later in this article.

 
2. Look at this long distance relationship positively. See your LDR as a growing experience for your relationship. In a relationship, perspective is everything. When you have an effective way of looking at your long distance relationship, you’ll feel clarity, inspiration and happiness when you think about your LDR (instead of what most people feel: confusion, discouragement and fear that it could all fall apart.)As with anything in life, your mindset is what determines whether you’ll succeed or not. By having a positive and proactive perspective on your LDR, you won’t fall into the trap of negative thoughts that quickly become a breeding ground for fears, worries and despair.

 
3. Be clear with yourself and with your partner about what you expect. It’s better to mentally “burst some bubbles” now and talk through it, than to be shocked and disappointed if your partner does something you don’t like.

 
– See more at: http://www.anewmode.com/dating-relationships/make-a-long-distance-relationship-work/

Going Beyond Roof Warranty

Your new roofing is a costly expense, but with the proper maintenance and care, it’s an expense that can practically last a lifetime. Without a doubt, it may cost thousands of dollars, yet since roofs provide critical structural support and protection to the family and belongings, it will always be important to have a sound and functional solution. A number of the most respected contractors include residential roof warranties that may or may not cover all problems to your roof. Therefore, it is very important speak to your roofing contractor about the warranty they offer, just how long the warranty covers your roof, and just what types of repairs are in the warranty.

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As is the case with many major construction projects, roof systems are usually naturally prone to damage but defects in roofing materials or workmanship errors would be the reason a roof leaking. However, don’t assume all residential roof warranties cover manufacturing defects and workmanship errors which means you need to speak to your service provider regarding which problems are probably be covered. The most well-built roofs will work effectively for anywhere between 25 and 40 years, whilst a residential roof warranty is frequently only good for 5 to 10 years. If you notice any problems with a new roof, you must speak to your roofer right away to avoid letting your warranty expire before repairs can be made.

• Workmanship Errors Warranty

This warranty is provided by the roofing company you have hired and guarantees proper installation of the roofing system. Every roofing company offers different types of workmanship warranties which range from 5-50 years dependent upon the kind of material they install on your roof. The longer the workmanship warranty the longer your roof is protected against workmanship mistakes that might occur during setup. Some roofers offer extended workmanship warranties in an additional cost. Discuss with your potential roofer what sort of labor warranties they have.

• Manufacturing Material Warranty

The materials that the roofer uses for your project will include a manufacturer’s warranty. Make sure that you understand what the warranty is for the material that the roofer is using before you enter a contract. You’ll find that you prefer to utilize a different material that has a much better warranty than the one the roofer may be offering you. That is why, many individuals prefer to make use of materials that come from reputable manufacturers. Besides the manufacturer’s warranty, the roofer or roofing company should also supply you with a warranty in case anything occurs your roof.

Ultimately, it is extremely difficult to determine all the aspects of a roof warranty due to the wide range of materials used and the fact that workmanship warranties may vary from on roofer to another. Subsequently, it is always in the welfare of the property owner to discuss the warranty on materials and workmanship with their contractor prior to installing a fresh roof.

A Comprehensive Comparison Between Clothing Steamer and Fabric Iron

The truth is a clothing steamer has an edge on the usual type of iron because they pose hardly any risk for the operator and in addition they don’t damage clothing just how an iron can. It is very simple to leave a fabric iron on fabric like chiffon or thin cotton for a second too long and burn it. The dry iron is the most common type. This won’t require water and simply has to be plugged to the electricity and used after setting the required temperature. While the other type is clothing steamer by which gives better ironing than the dry model, as this uses water. As the hot temperature passes through the water in the iron tank, it generates hot steam in which escapes from tiny holes given in the base of the iron, and that is utilized in pressing the clothes.”

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Ironing clothes may well be just about the most tedious of all chores. Actually, it really is among those chores that you want to avoid. Thankfully, the latest appliances have the technology to make ironing faster and a lot more efficient. All you have to do is to locate a good steam iron that’ll make the chore easier and stress-free. This makes it much better to maneuver the clothes iron and provides you great control over the tool when you use it.

Steam irons make use of heated water to remove the wrinkles from clothes and fabrics that could easily burn with traditional dry irons. They use distilled water converted into steam by a special heating element. The hot mist comes through the holes on the soleplate and frees up up the fibers of the clothes to smooth them out. As compared to the conventional ones where you just rely upon the heat, this sort of iron enable you to have more control and they press out wrinkles with ease.

It’s always best to opt for the steam irons that happen to be now quite popular in the market. For one thing it has proved to be very fast and efficient. The steam takes care to smoothen out the tiniest wrinkle and the result is perfectly pressed and neatly folded lines of clothing. The steam output could be controlled by choosing the type of fabric that’s to be pressed, in the machine. By way of example, if a pure cotton shirt is to be ironed, then the fabric type could be set to “cotton” in the machine, and so the steam that comes out would be of greater pressure, so as to iron the shirt proficiently.

Of the two various kinds of units the fabric iron also is often a lot hotter since the heat is applied over a large flat surface. An iron is also heavier in many instances and it’s also challenging to travel with. The typical clothing steamer only weighs a few pounds and can easily be put away in a suitcase. By doing this your clothes looks their crispest and smell their best whilst you’re traveling. The same can’t be said of a heavy iron, which is commonly made out of one hulking piece of metal.

If you want to buy an iron from the mall, you would like to buy name brand products. Stay away from the lowest priced products and off-name goods that aren’t familiar to you. Obtaining the best clothes iron just isn’t too difficult these days. You have so many options and choices that it is rather easy to find the perfect clothes iron to meet your requirements. Keep the above things in your mind in choosing your next clothes iron so that you will definitely find the best clothes iron. But to sum it all up, clothing steamers is the type that you would want to consider.

Helpful Guidelines For Repairing Appliances

Appliance repair can be just of a hassle particularly when it happens as a surprise. Many owners worry about the costs of professional repair. In an effort to save money, many of these property owners choose do-it-yourself repairs. Just before choosing to move forward with DIY appliance repair, you should assess your abilities. When you have had knowledge about fixing appliances before, then it might are convenient now. Yet, safety really should not taken lightly as these repairs could lead to serious injuries if not taken properly.”

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Repairing your own appliances could be a cost-effective approach to failures. But for your safety, don’t forget to take the necessary precautions!Fixing your own appliances when they breakdown can be quite a great way to save money–but only if you do it right! One of the primary issues with DIY appliance repair is safety, thus before you dive headfirst into that washer repair or fridge breakdown, make certain that you’re taking all necessary precautions to protect yourself, your appliance, and your property.

Unplug It!


Don’t do anything until the power is off! If you are dealing with electricity, it is important to put safety first. Before you start taking off access panels or poking and prodding your appliance’s innards, make sure that the appropriate breaker is safely shut down

Don’t Do It Yourself


Unless of course you happen to be trained appliance repair specialist, you won’t be able to just look at a faulty dishwasher or malfunctioning fridge and know exactly exactly what the problem is. So why try to go it alone? You will find numerous tools, from your appliance’s owner’s manual to online forums, tutorials, and troubleshooting guides, thus start using those materials to help guide you through both the diagnostic and repair stages.

Safety Equipment


As with any (and all) home improvement and repair projects, you’ll need appropriate safety gear for the appliance repair job. Safety glasses are a must, as are work gloves to shield the hands from sharp metal sides. You’ll also want an electrical multimeter tool. This handy gadget lets you safely make sure no power is flowing in a particular connection, a vital factor to avoid electrical shocks and electrocution whenever using any sort of electric appliance or wiring.

While many people believe that DIY repairs work best way to go when it comes to saving money, this isn’t always true. At times you have to rent some tools and purchase parts straight from stores, which may be lessened if technicians have discounts. Making an attempt DIY repairs on other appliances can certainly cause even more damage. Without having the right skills or follow the right procedures, then you could cause further damage that’s a lot more expensive to fix. Before beginning any DIY repair project, you should sit down and compare the costs of doing it all on your own vs . employing a professional.

Do-it-yourself appliance repairs could be a cost-effective solution whenever your fridge, dishwasher, or other appliance begins acting up. Yet, to be able to increase your savings–and your success–be sure you are smart about both safety and your own level of skill. If you approach the dishwasher repair, oven repair, and other project right, you’ll be able to get that trusty old appliance back to working efficiently once more.

How to kill mosquitoes naturally

“Mosquitoes can really take the fun out of spending time in the yard. Not only do they ruin summer days and evenings leaving everyone annoyed and itchy, in recent years they have become a real cause for health concerns due to mosquito-borne illness. Depending on your situation you may not be able to get rid of the flying bugs completely but there’s a lot you can do to minimize the influx. Here’s an overview of how to control mosquitoes in your home’s outdoor area. We have separated old wives tales from science-backed remedies, fiction from fact. The result,  16 tips that actually work. Based on research, pest experts, and user experiences.”

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Ahhhh. The sounds of summer: the crash of ocean waves, the crackle and bang of Fourth of July fireworks, the sizzle of burgers on the grill.

Unfortunately, the sounds of summer also include the whine of pesky mosquitoes. But there is plenty you can do to turn down the volume so that you can enjoy the lazy, hazy days of summer.

Learning how to kill mosquitoes naturally is important beyond ensuring a comfortable backyard cookout. Mosquitoes present a health risk to everyone in the family – even Fido. Mosquito-borne diseases – which kill 1 million people worldwide every year – include malaria, yellow fever, encephalitis and, more commonly in the United States, West Nile Virus. Mosquitoes also carry heartworm, a life-threatening disease for dogs.

So, it’s worth the effort to control and kill mosquitoes around your house and to reduce your risk of getting bit. Here are some tips for mosquito control:

Read more: http://www.mnn.com/earth-matters/animals/stories/how-to-kill-mosquitoes-naturally

How to Get Permanent Marker Out of Clothes

“When dealing with ink stains, the most important thing to keep in mind is to take steps to remove it as soon as possible because old, dried stains are stubborn and extremely difficult to get rid of. Most ink and permanent marker stains can be removed with the help of the following.”

permanent marker removal

Whether you’re enjoying a fun and creative day with the kids at the weekend, or are helping out with a school project, permanent markers are a must-have item in any craft cupboard. They help keep your kid’s artwork looking bright and vibrant for longer and are handy for labelling items, but they do have a downside – the stains! The good news is that although permanent marker inks are long lasting, their stains don’t have to be. Here’s a handy guide to help you tackle permanent marker removal.

Why is Removing Permanent Marker Different to Removing Pen Ink?

Whereas regular ballpoint pens and many felt tip pens designed for kids are water-based, permanent markers are oil-based or alcohol-based. These oils and alcohols are called ‘carriers’, and they help the ink stick to a surface, and stay there. The carriers are water-resistant, so the bond between the carriers and the surface cannot be broken through the use of water alone. While flushing ballpoint pen stains with water will often produce great results, you’ll need to have some extra products on hand for dealing with permanent ink stains.

Read more: https://www.persil.co.uk/laundry-tips/how-to-get-permanent-marker-out-of-clothes/

Top Reasons Why You Need To Install A Garden Awning In Your Backyard

Awnings are the very best items to use when you are trying to keep your patio or back porch cooled down. Most of us take pleasure in spending our time outside eating barbecue meals or simply just enjoying a great book. But to some of us the heat may get to us and drive us in the house on even the most breathtaking days. Simply because you should present cover and protection to particular areas of your house does not mean you are detracting from the look or design of your home. Practical can be beautiful. An awning for a garden could be made from different materials just like cotton, canvas or acrylic and may be propped up by wood, metal or perhaps plastic. Apart from protecting you from the elements of the weather, garden awnings give and add to your garden or backyard a nice warm feel, therefore make you want to hang out there more and enjoy nature. Together with the variants available, you can actually select which design and material would match your garden or patio best.”

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For outdoor activities, garden awnings are getting to be a fantastic solution for almost everything, but at least there are many simple reasons for this choosing them. A lot of people decide to use this awning type because of their simple design, easiness to adapt with the environment, its huge supply on the market, high quality (especially related to the power required for this awning), more space, structural protection etc. It makes the bonding time with the family more thrilling and fun.

An awning for a garden could be produced from various materials like cotton, canvas or acrylic and may also be propped up by wood, metal or even plastic. Apart from protecting you from the elements of the weather, garden awnings give and add to your garden or backyard a good warm feel, thus making you want to hang out there more and enjoy nature. Together with the variants out there, it is simple to select which design and material will suit your garden or patio best.

Having these kinds of awnings will benefit your household in more ways than one. It may function as an extension of your home. This gives extra room to entertain visitors or for family activities and bonding. Setting up a table and chairs underneath it makes an outdoor dinner even more special, and weekend barbecues and picnics now become more enjoyable. Whether you’re playing games with family or friends or simply having some peace and quiet reading a book by yourself becomes better with garden awnings.

Awnings are available in a number of styles and you could utilize these variations at home to help make the most of your space as well as increase the convenience and comfort of your entryways. Folding arm style awnings are common with patios. Because they’re retractable, these awnings is going to fold away discretely in the cooler months, to allow for maximum sun light, and fold out in summer to present an instant outdoor space giving shade and definition to your patio. You might prefer that your external awning blend seamlessly with the colour of your house and with so many colours to pick from, it is really something you are able to do. An awning such as this has a classic, subtle style that will present practical benefits with small visual impact.Or maybe you may like to make a statement with your outdoor awning. You could pick a contrasting colour to your house to add brightness and flair.

There are lots of shops that sell the garden awning in an array of prices, therefore you’re certain to find one which will match your lifestyle and your budget. Just always remember to double check and inspect your acquisitions to ensure that the garden awning that you will get is of high quality.