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Things to Remember about Car Finance
Vehicle finance is a very important decision for you; especially if you are working on a tight budget. Depending on where you go, what you get, or how the economy is doing, all can make a significant difference in how much you pay for the car. Jotting down the things to remember about auto finance is essential. It is important to shop around and analyze the various deals available. There are many things you must do when purchasing a vehicle. Some of them are:
· Ask for a full vehicle report. In the United States for example, they have something called “The Lemon Law,” which states that a car lot cannot sell a “lemon,” or a car that frequently breaks down. This is the most commonly forgotten of the things to remember about car finance.
· When purchasing a new vehicle, remember, you can save a lot of money if you decide to get a new car with a few thousand miles on it as opposed to a brand new one. The value plummets substantially when a car is driven after being brand new. Take this into consideration; you might pay double if you dont. This is, by far, the biggest savings component of the things to remember about car finance.
· Remember, you do not have to go out and search for vehicle finance on your own. Go online and get a finance broker. He/she will walk you through the entire process from finding a vehicle to getting a loan for that vehicle. There is a wealth of tools on financial brokers websites that are free to user and very helpful.
· Decide exactly what you can afford to pay monthly before deciding on a vehicle finance option. The availability of all-in-on shopping online makes it possible for you to find car finance options and calculate your monthly payments.
· Auto finance is very important. Make sure that the decision you make is solid and that the loan will be paid off. Remember, some of the deals you may find will be second chance auto financing where the broker is finding these deals for you. Unless there is something new out there, third chance finance does not exist. So, if you are going for a second chance, make sure you can fulfill your end of the bargain.
Some buyers do not consider the things to remember about auto finance and make impulsive purchases. Purchasing a car is just too important a decision to not do your homework. Analyzing the loan and terms of vehicle finance can save you tons of money, headache from repairs, and a lot of time!
Considering all the factors of auto finance and making sure you do make an impulsive purchase is essential in you getting the best vehicle possible. Failing to make a thorough comparison of makes, models, lenders, and the state of the economy today can result in a great loss of money and time. Furthermore, not discovering the things to remember about car finance can lock you into a deal you cannot get out of!
AMEX Platinum Business FreedomPass Credit Card – Financial Independence for Small Businesses
Compared to other credit cards, as well as other American Express Cards, the American Express Platinum Business FreedomPass credit card actually gives you “freedom”. Though its interest rates are marginally higher, yet the freedom to use as many of the points earned whenever you want, wherever you want and on whatever you want sets it apart form the rest.
The AMEX Platinum Business FreedomPass also gives you the benefit of carrying a balance from one billing period to the next which you might not get in other cards.
The advantages of the AMEX Platinum Business FreedomPass credit card are multitudinous. To name a few, if you are an AMEX Platinum Business FreedomPass program member you will enjoy the benefits of a point based reward program without any additional charge. In fact, you will be awarded 5000 bonus points after your first purchase with the AMEX Platinum Business Card.
The point based system allows you to redeem for savings on any flight, hotel, car rental or cruise and any other travel expense imaginable. If some points could not be used, for your convenience they can easily be converted to cash rebates. There are no blackout dates and no travel restrictions with the AMEX Platinum Business FreedomPass credit card as there is no such thing as the expiry of the reward points.
You don’t have to spend a hefty sum in order to gain points; you are awarded one point for every dollar spent by you. Points can only be redeemed towards a purchase in 7500 increments, which is equal to a credit of up to $100, and they must be redeemed in a single request.
You don’t have to pay any annual fee and there is 0% intro APR for 12 months. The AMEX Platinum Business FreedomPass also has one of the lowest annual percentage rates of 12.99% for purchases on the cards where the balance does not accrue.
Paying the bill with AMEX Platinum Business FreedomPass is a cakewalk. You are spoilt for choices here, you can pay the bill in full each month or you can carry over the balance to the subsequent months. Using the Platinum Business FreedomPass is free of hassles and completely safe even if used for online purchases. You can track card spending and also get account alerts among the other benefits.
For recurring expenses like your wireless phone bill and insurance payment, you can use the card to automatically pay these routine charges which will appear on your billing statement. What’s more, you can pay them with one check instead of several and your AMEX bill pay is fee-free. To make you feel special the customer care is always there for you.
To add to the privileges AMEX Platinum Business FreedomPass credit card allows you to cash personal checks at more than 2200 American Express Travel Service Station locations, up to $ 10000 per account every 30 days and you may get up to $ 500 in cash and the balance in American Express Travelers Checks and if the card is lost it is replaced sometimes in as little as 24 hours.