Used Car Loan – Getting Your Moneys Worth

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Used Car Loan – Getting Your Moneys Worth
The average used car sold for about $13,900 last year; half of what a new car cost according to One reason for the sharp drop in used car pricing, as Edmunds points out, is depreciation.

�. . . there is a steep decline in the car�s value in just the first year of the car�s life�from 20 to 30 percent. In other words, that car that was worth $21,800 when it was new can be purchased only a year later for as little as $15,260.�

Buying a Used Car from a Dealer

The FTC Used Car Rule requires dealers to post a Buyers Guide on used cars. (Buyers Guides do not have to be posted on motorcycles and most recreational vehicles.) The Buyers Guide must tell you:

> whether the vehicle is being sold “as is” or with a warranty;

> what percentage of the repair costs a dealer will pay under the warranty;

> that spoken promises are difficult to enforce;

> to get all promises in writing;

> to keep the Buyers Guide for reference after the sale;

Buying a Used Car from a Private Party

Private sales are not covered by the Used Car Rule and don’t require Buyers Guides. They are also not covered by the implied warranties of state law. That means a private sale is on an �as is� basis unless your written purchase agreement with the seller says otherwise. So be sure to have your own mechanic go over the car thoroughly.

Some used cars may be covered by a manufacturer’s warranty or a separately purchased service contract. However, warranties and service contracts may not be transferable, so be sure to review the documentation before you buy.

Used Car Loan Quote

You can get a free quote on a used car loan simply by using the express request form at 1-800-Bar-None. The site also has more information on Used Car Loans.

Mike Hamel is the author of several books and online articles about auto financing. His material is featured on sites like 1-800-Bar-None.


San Francisco: The Golden Gate City

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San Francisco: The Golden Gate City
Of all of California�s many highlights one city stands proud as one of its best. San Francisco is arguably the most loved of California�s tourist spots. Why is this? Well, whereas L.A. is wide and sprawling, San Francisco is smaller and more accessible. Its core lies in Union Square with its bustling atmosphere, great stores and theatres. Further afield, the hills of San Francisco can easily be explored by foot. Other outdoor highlights include the Golden Gate National Recreation Area with its beautiful trails. Yet, it is San Francisco�s cultural highlights for which it is perhaps most renowned. Check out the architecture of the City Hall�s dome, the San Francisco Museum of Modern Art, or the wonderful Palace of Fine Arts to get a sense of the variety on offer. Of course, no trip to San Francisco would be complete without a view of the Golden Gate Bridge or exploration of Fisherman�s Wharf. Another must-see is Alcatraz. A tour of the former prison should be completed, if only to hear the chilling tales of some of its inhabitants. Kids will love Pier 39 or the Exploratorium, home to amazing scientific experiments.

San Francisco is similar to New York in that both have a number of neighbourhoods, all of which are very different in character. Each offers their own slice of San Francisco. The Castro is San Francisco�s gay neighbourhood and is renowned for its trendy stores and nightlife. North Beach is the Italian area and, unsurprisingly, boasts some of the best restaurants of the area. Other highlights include Chinatown and Japantown.

Once San Francisco had a reputation for hugely expensive accommodation and meals. Thankfully, this is no longer still the case and prices have come down somewhat. San Francisco is both welcoming and impressive, an unlikely combination these days. Enjoy!

Dara Ward has written numerous travel articles and ebooks. Some of his travel sites include Hotels in Boston and Hotels in Liverpool Dara lives in Wexford Ireland.


State Farm Home Owner Insurance Quote

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State Farm Home Owner Insurance Quote
If you have a home business and need a home owner insurance quote, consider getting your home owner insurance quote from State Farm. As long as you purchase enough home owner insurance to adequately protect your home as well as your home business, you will be safe; however, making sure you have enough home owner insurance for both your home and your home business is just the start. You must take a few more steps throughout the duration of your home owner insurance policy to make sure your home business is thoroughly covered with your State Farm home owner insurance policy.

First, make sure you have taken proper inventory of your home business� equipment. Include computers, printers, fax machines, copy machines, shredders, scanners, and any other expensive electronic equipment, as well as filing cabinets, desks, and chairs. These are the pieces of equipment you will need to list in the event your home business becomes damaged in some way, so it is extremely important not to forget anything. Also, keep your inventory up to date, and notify your State Farm home owner insurance agent so he or she can make the necessary changes to your State Farm home owner insurance policy.

Next, consider investing in protection devices such as lighting protection systems and electrical surge devices. You can contact a contractor for more information about these kinds of protection.

Finally, keep your State Farm home owner insurance quote low by taking your own precautions. Install a safety alarm system. Record the serial numbers of all business office equipment you purchase. Buy a large safe and store all smaller, expensive office equipment in it when you�re not in the office. If you are willing, consider bolting your larger office equipment to the floor, such as desks, safes, and copy machines.

Take these steps before you get your State Farm home owner insurance quote, and maintain them to keep that quote low.

To get free quotes and learn more about insurance please visit the following recommended sites.

State Farm Home Owner Insurance Quote
Find budget car insurance in Michigan
Compare family health insurance and get easy fast rate quotes on this website


Used Car Bankruptcy Loans

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Used Car Bankruptcy Loans
Used car bankruptcy loans are available to persons who have recently filed for bankruptcy. There are many business enterprises extending bad credit used car loan programs to people who have faced bankruptcy, foreclosure, and repossessions. Car dealers themselves may provide the loan, or you can get it from other sources.

Once a person is declared bankrupt, it is vital for him to establish a new credit account before opting for a mortgage loan. The only way to improve his credit score is to maintain regular payments after bankruptcy. It is recommended to wait for at least six months before applying for another loan. This is because immediately after bankruptcy, the interest rate charged on auto loans is usually much higher than that for an average loan. This, in turn, will increase your monthly car payment. However, with a sizable down payment, it is easier for borrowers with bad credit to obtain financing for a used vehicle.

If you are taking the used car bankruptcy loan from the dealer himself, make sure to get the used car checked out by an independent mechanic. If the dealer does not encourage an appraisal of the car, it is a clear indication that the car has some problems.

Economic forecasts indicate that auto loan interest rates are likely to fall in future. To obtain an auto loan is a lot easier these days, regardless of creditworthiness. There are quite a few options available for selecting an appropriate lender for financing a car. Nowadays, not only are banks and credit unions providing used car bankruptcy loans to people with flawed credit, so are many finance companies. Applying for a used car loan through the Internet can save money and time. Many firms provide online financing assistance with used car loans for people with bad credit.

Bankruptcy Loans provides detailed information on Bankruptcy Home Equity Loan, Bankruptcy Home Loans, Bankruptcy Loans, Bankruptcy Payday Loans and more. Bankruptcy Loans is affiliated with Personal Bank Loans.


Caribbean Migration in Southeast Texas

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Caribbean Migration in Southeast Texas
Marcha Thomas-Blades, “Caribbean Migration into Baytown, Texas,” Touchstone, vol. XIX (2000), 59-67.

This article traces the migration of Caribbean Islanders into Baytown, Texas, and explores the impact their immigration has had on Baytown. The first Caribbean peoples arrived in Texas as slave labor in the early nineteenth century. At this time, Galveston Island was an important port in the slave trade, which supplied slaves to Texas colonists.

In the late nineteenth century and early twentieth century, a series of natural disasters and economic depression caused many Caribbean Islanders to immigrate to other countries. The building of the Panama Canal attracted Islanders to Panama, and oil production drew many to Curacoa and Venezuela in the early nineteenth century. In 1960, the U.S. Virgin Island of St. Croix employed many Islanders in the oil industry.

The first influx of Caribbean Islanders in Texas settled in La Porte due to Brown & Root’s active recruitment among the Islanders. In the 1970s, the Islanders began moving to Baytown, which was experiencing an economic boom due to the oil industry. Brown & Root recruited many Islanders to help build the Baytown Olefins Plant.

Mr. Jesse Powell and his wife Dorothy helped the Caribbean Islanders adjust to life in Baytown. They provided housing in their trailer park and transportation for the immigrants for $70 dollars a week. Mrs. Powell helped them with such things as enrolling their children in school, shopping, and finding employment.

Caribbean Islanders in La Porte also began moving to Baytown due to racism. Although Baytown was not as hostile, the Islanders still suffered discrimination on account of their skin color and accent. Consequently, many children found it necessary to suppress their ethnicity, even while their parents strived to teach them Caribbean culture and values.

In the late 1980s and early 1990s, Caribbean immigration continued into Baytown, and many Islanders from other parts of the United States and Canada also came to Baytown. Baytown was a preferred spot because of the availability of jobs, tropical climate, small population, and the existing Caribbean community. The 1990 Census reported about 1,081 Caribbean immigrants living in Baytown.

The Caribbean population began to have an impact on Baytown. Many businesses opened that sold Caribbean products, such as the Caribbean Snacks and Produce Store. Jah Colors sells Caribbean memorabilia, music, and clothing. The nightclub, The Robe, offers Caribbean music and dancing. Caribbean organizations were formed, such as the Lee College Caribbean Association, which sponsored the first Carifiesta in 1993. This festival was continued for three years, until the graduation of two of its most active members resulted in the decline of the LC Caribbean Association�s activities. In 1998, the LC Caribbean Association ceased to exist.

Since Caribbean culture has been accepted in Baytown, the children of Islanders are not ostracized and now are proud to exhibit their heritage. Marcha Thomas-Blades contends that while the Caribbean youth have held on to their culture, they have assimilated into the dominant culture. Consequently, they are experiencing the best of both cultures.

Mary Arnold graduated from University of Houston-Clear Lake with a B.A. in literature and history.

She is an author on http://www.Writing.Com/ which is a site for Writers.


Auto Loans – Can You Get a Lower Rate if You Apply Online?

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Auto Loans – Can You Get a Lower Rate if You Apply Online?
It is very simple to buy cars with auto loans online. You can choose from numerous available options on the Internet to choose most suitable loan amongst different auto loans online.

How to apply for such loan

Auto loan websites offer different auto loans online. You only need to fill in simple details about your choice of car, monthly repayments, suitable interest rates, etc. and submit your form to auto loan provider. Soon you receive your auto loan with amount of monthly interest payable.

What should be my necessary criteria?

Your deciding factors for choosing auto loans online should be rate of interest and time period for repayment. Normal repayment time is around three to five years, although you can extend it to seven years. Shorter repayment period lowers interest repayments. Some auto loan companies allow earlier repayment without any penalty. Such earlier repayment saves on loan charges and lowers financial burden.

Why apply online for auto loans?

Applying for auto loans online has many advantages. Most often, interest rates offered by online auto loan dealers are one or two percent lower than regular auto loan providers. This is because online providers do not have any overhead costs of offices and can function with fewer employees. Auto loans approval is also a free service. Lenders near your residence process application within an hour. There are no hidden charges or application fees. However, loan approval does not mean you need to take up loan necessarily. You can decide and choose auto loan according to your preference.

Can I get such loans if my credit history is not too good?

Yes, you can get auto loans online even if you have poor credit history. Your down payments and interest rates could be higher.

Do I need to buy car immediately after approval of auto loan?

No, there is no immediate urgency to buy your car as soon as you receive approval of auto loans online. Your loan interest rates remain locked for thirty days, within which you can purchase your car. You can compare prices with different dealers, as any dealer will honor your car loan bank draft.

Can we help you get a low rate on a Cheap car loan or a used car loan


Student Car Loans – Digging A Hole For College Graduates

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Student Car Loans – Digging A Hole For College Graduates
When it comes to driving, most individuals will agree that teenagers and young adults are the most careless on the road. Whether it be the inexperience, or college kids drinking and driving, students tend to be a high risk while behind the wheel.

Although you would think companies wouldn’t want to insure these individuals due to the risk it involves, it is still possible to get a student car loan. Just like a regular car loan, one can get a student car loan from the majority of creditors. The only alteration is that because of the high risk, students will have to pay higher interest rates when receiving the loan.

If you are applying for your first student car loan, you should be careful. Considering you are already going to be paying a high interest rate, some lenders tend to add on additional costs which are unneeded. You want to make sure that when you sign for the loan you will be able to pay it off and it will not ruin your credit history.

While in college you can also use your student loans to pay for your new car. However, it is a good idea to make sure you will be able to pay back this money when you graduate. Seeing as you may have other loans to pay off as well, you want to be sure you will not be stuck in a bad financial situation in the long run.

In order to stay away from debt six months after you graduate, the top choice when wanting to get a new car as a student is to ask for a student car loan from a creditor. Although the interest will increase, you will know upfront how much you will need to pay monthly. This will help you know exactly how much you need to pay so that you do not have to pay all your loans in one short period of time.

Since you only have a short period of time to pay off your student loans after you graduate, getting into a situation where you will not have the money is not worth it. You could soon find yourself facing student debt consolidation loans.

Also, if you decide to use your student loans to buy your car, it will be more difficult to sell when you decide to get rid of it. It is a good idea to have your parent or guardian co-sign for you if you choose to get a student car loan. Doing this should ensure you that there will be no problems. Like anything else, with a little bit of research and patience, you should be able to get a student car loan for your new car in a matter of time.

Many college graduates need to learn more about the world of finance before going the route of student debt consolidation loans can quickly place a young person just starting out way behind. Find out more on the topic debt consolidation loans at


Cash Advance Payday Loans in Texas – Why They Are They Different & What That Means To Borrowers

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Cash Advance Payday Loans in Texas – Why They Are They Different & What That Means To Borrowers
Getting a cash advance payday loan in Texas is relatively easy, but there are a few things you should know before you get started. Cash advance payday loans are strictly regulated in the state of Texas, which means there are set limits and loan terms that must be considered prior to borrowing.

The Maximum Loan Term is 31 Days

Cash advance payday loans can come in handy when you are in a pinch, but at some point, you will need to pay pack what you borrow. Cash advance payday loans in Texas have a maximum loan term of 31 days. It should be noted, however, that terms will vary depending on where you get your cash advance from. Loan terms of 7 to 14 days are not uncommon.

You Can Only Borrow So Much

Because cash advance payday loans fall into the small loan category, state laws typically dictate the maximum amount of money that can be borrowed. This amount varies from state to state. In Texas, the maximum amount on aggregate cash advance payday loans is $500. At this time, there is no limit to the number of loans you get, but altogether, they cannot total more than the $500 maximum.

Rates and Fees Vary

Cash advance payday loans are no different than other types of loans. Rates and fees will vary depending on where you go. There are limits though to the amount you can be charged in interest and loan fees. Lenders cannot charge more than $10 per loan and 48 percent annual interest on cash advance payday loans in Texas. There is also a limit to the finance charge that can be applied to a loan. Current Texas law stipulates a maximum of $12 on a 14-day $100 payday loan.

See Our Recommended Payday Loan Companies That Service Texas by visiting We maintain a list of reputable payday loan lenders that service the TX area.


Take Advantage of Competitive Interest Rates With Refinance Car Loans

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Take Advantage of Competitive Interest Rates With Refinance Car Loans
Do you feel trapped in a car loan deal that is hitting you hard? Do you wish to switch to a more economical car loan plan? If your answer to these questions is a ‘yes’, then it is the right time for you to consider a refinance car loan deal.

Being a car owner is a dream for every person. Nowadays, apart from being a reflection of the social status of a person, a car is increasingly becoming an item of necessity. While going for a car purchase, a person gets excited and tempted by the colour, model, features, mileage and the style factor to consider the financial aspects of the car purchase. However, when the euphoria is over, many people realise that they have not selected the right car loan deal. The interest rate may be quite high as a result of which a borrower may be finding it difficult to cope up with the increased financial burden. So, what is the way out? Should the borrower bear the brunt of selecting a wrong deal for the entire loan term? Definitely not.

If you feel that you are paying a high interest rate on your present car loan, start looking for cheaper loan options for refinancing the present car loan. A refinance car loan enables you to take advantage of the lower rates on the other car loan deals. Refinance car loans are helpful for refinancing all types of car loans, including bad credit car loans and unsecured used car loans. There are a number of advantages in refinancing a car loan, such as:

Paying a lower interest rate
Flexibility in the repayment period
Reduced monthly installments
Effective loan management

You need to take care while selecting refinance car loans. Compare the loan quotes of various lenders and then decide a deal that suits your financial, as well as personal requirements in the best-possible manner.

Besides comparing the loan quotes on the basis of interest rate, give due importance to the following factors too:

Associated points in the quote

Loan features, such as pre-penalty fees and availability and terms of conversion options

Loan related fees.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Ecar-loans as a finance specialist. For more information please visit


Buying Belleville Real Estate

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Buying Belleville Real Estate
If you are thinking about buying real estate in Belleville Ontario You had better get started!

Well, With demand for real estate increasing, so are the prices. Although the market isn’t out of control in terms of prices like in some areas, it is definitely one of the hottest property markets in Ontario… and it’s no wonder why.

The local economy in the area here is strong… which is attracting a flood of newcomers in the last few years. With industry expanding and creating a great deal of new employment opportunities in the city, many people are seeing a bright and successful future here in the city of Belleville and are deciding to relocate or perhaps stay in the area as opposed to moving elsewhere.

Aside from the booming economy, Belleville does attract those who love the water. Being conveniently located along the Bay of Quinte in South Eastern Ontario is definatly a huge asset, Belleville does offer some of the greatest boating and fishing opportunities in North America.

Whatever the reason is, this city is full of opportunities and if you’re searching for real estate in Belleville then you are sure to find something that will suit your needs. Whether you are a first time home buyer looking to purchase your very first home or property, or a real estate investor looking for a new investment opportunity… there is certainly something here for everyone.

So whether you are looking for a home or property… happy hunting to all of you!

Belleville Ontario real estate is defiantly a smart investment for your future, and if you’re ready to make the move or would like to find out more about the area or real estate in Belleville contact a Belleville REALTOR today!

Jeff Flower is a real estate sales representative with Royal LePage ProAlliance Realty in Belleville Ontario and provides real estate services to Belleville, Prince Edward County & The Quinte Area. Visit