Archive for the 'buying cars' Category
When is it time to buy a new car? Is it when you need to start making repairs? Is it when you can afford a new vehicle? This is a dilemma I am currently facing. Is it worth keeping your old vehicles knowing you will have problems with them but the chance of having a problem out ways the new monthly payment you will have to endure.
I have two vehicles a Dodge Durango and Chrysler Concorde both about ten years old. Both of my cars have over 140,000 miles on them and have needed to be fixed over the last couple of years. Is it time for me to bite the bullet and trade at least one in or should I hold off. If I had to choose between them it would be the Concorde it has about 20,000 less miles on it and already has major repairs done to it. Three years ago it needed a new engine, then more recently a new timing chain both pretty expensive fixes. The engine cost well over $2000 and the timing chain around $1200 but the car has been paid off for 5 years. How I see it I made out, $3300 over 5 years breaks down to $660 per year or $55 per month. It’s a lot better than a $350 per month payment.
Our Durango is also paid off but has more miles on it The only real problems it has had has been around the air condition unit and a mishap by my children. My kids jammed change into the CD player causing the radio to short out. The total to fix both was $1300. The reason we would keep the Durango is because it is more useful to us.
So my dilemma again is, is it the best time to trade it in? My wife and I have been deliberating over it for a while now. I have a few reservations about getting a new vehicle. The first of course is taking on a monthly bill. We would want another SUV if we purchase. We do a lot of outdoor activities, snowboarding, canoeing, camping ect., so we need something to lug our gear, kids and clothes. With our Durango also older we know over the next few years we will also need to replace that car. So to us it just makes sense to get the SUV first as a more reliable vehicle we can feel safe in on longer trips.
Reliability is our 2nd reason we are considering a new vehicle. Since both of our automobiles are older there is a reliability fear that looms over us on longer trips. This would be solved with a new vehicle.
Another issue to look at would be our insurance rates. They would go up by at least $100 per month with a new automobile with full coverage. Even if I applied all the discount auto insurance techniques I know.
It may not be time to buy right now with the holidays coming up and our finances kind of low but this is something we will need to look at within the next year. The reliability and safety factors out way the new cost we will have to endure. After the holidays we will be on a automobile hunt. Should we purchase brand new or something with low miles a couple of years old. Hmme, This sounds like something to write about next.
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Boss Rims are Manufactured by the American Eagle Wheel Corporation. American Eagle Wheel operates two manufacturing facilities in the U.S., one in California and the second in South Carolina. They utilize the most advanced technologies in the industry including: ProE, ProMechanica and Magma engineering software within their R&D teams; “counter-pressure-casting” technologies, which were pioneered by AEWC and research facilities in Europe; exclusive use of precision CNC machine tools and state-of-the-art coatings facilities to create the finest finishes available.
Why should you outfit your car or truck with new Custom BOSS Wheels? At Tulip City Wheels, we are big believers in the Plus Sizing Concept. Besides enhancing the look of your vehicle, the plus sizing concept is a key reason to switch wheels. Plus sizing your wheels and tires will improve both the handling and aesthetics of your vehicle. It is possible to properly maintain the overall wheel and tire diameter of the vehicle by using a larger diameter wheel with a lower profile. This keeps odometer and speedometer changes small. Your vehicle will gain quickness in steering response and better lateral stability when you use a tire with a shorter sidewall. Also, most wheels look better than the sidewall of the tire, so the more wheel and less sidewall there is, the better it looks.
While Plus Sizing has long been used in the Custom Wheel and Tire industry, and there are many guides to Plus Sizing for many vehicles, you should be aware of some caveats whenever you are following a guide for plus sizing your wheels. First of all, you as the installer should always check the wheel, tire, and vehicle, front and rear, before, during, and after you install the wheels and tires for proper application, fitment, and clearance. When you install wheels and tires that aren’t original equipment, like Custom BOSS Wheels, be aware that this may affect systems like the ABS, TPMS, and Electronic Stability Control systems. Also choose wheels and tires that have the proper load capacity for your vehicle, and always maintain proper air-pressure in the tires.
When you have concluded that your new Custom BOSS Wheels fit correctly, proper installation requires that the wheel lug torque be set to the recommended specification for your vehicle. Sometimes these torque specifications can be found in your vehicle’s owner’s manual, however more often than not you will need to refer to your vehicle’s shop manual or obtain them from your vehicle dealer/service provider.
Buy Boss Motorsports Wheels from Tulip City Wheels, a Company whose employees have over 20 years combined experience in the custom wheel business. We’d like you to visit us first, but maybe check out the competition on BOSS rims first and visit us last for your Best Deal! Read further to get more information about Custom BOSS Rims, and some handy installation tips.
At Tulip City Wheels, our technicians can help you find the best wheel or wheel and tire package for your vehicle. Your BOSS rims will fit your car or truck GUARANTEED! Call toll-free 1.877.533.7467 or visit Tulipcitywheels.com today for a great deal on Boss Wheels.
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A common misconception when it comes to car modifications is that it takes a lot of money in order to have a great looking car. If you have a Mitsubishi 3000GT, you can prove everybody wrong. Mitsubishi% LINK1% are relatively inexpensive. With other cars, you are likely to spend thousands of dollars in order to make it look spanking and red-hot. Sometimes the cost of customization is almost equal to or more than the actual cost of the stock car. That would never happen when modifying the 3000GT.
You see if you have an extra $400 to about $2500, you can already buy a complete set of 3000GT body kits. It seems unbelievable, right? Well, you can check online for yourself. Anyway, the car parts that are included with a complete set of body kits are usually parts that you would need in the future. Take for example a front bumper. If you have had your 3000GT for about five to six years now, its front bumper probably have signs of damage. You may have rear-ended someone with your car. Or the debris kicked up by the car in front of you probably dealt damage to it. In those cases, you can buy a set of 3000GT body kits that are better than the stock parts.
Custom parts are often better than stock parts because manufacturers were able to improve upon the latter. The composite materials are improved as well as the functionality. And the icing on the cake is, they have also paid attention to making them more stylish. With regards to body kits accessories, these are less expensive. A canvassing of stores would reveal that you would only need $70 to $300 for any of the following: air ducts; splitters; diffusers; hood scoops; end caps, and more.
Aside from the usual 3000GT body kits that are found in the market, there are several other modifications that you can make. You can bring back the old active aerodynamics; that means the automatically-adjusting front and rear spoilers. You can add PIAA driving lights, which aside from making the front end of your vehicle look more dazzling, would improve your illumination at night. You can have your windows re-tinted. Or buy sail panels or a back center panel. Some would go as far as changing the hood itself and adding scoops at the same time.
You can even go old-school and have your car modified to look just like a 1991 Mitsubishi 3000GT. With the endless selection of 3000GT body kits in the market, it is fairly easy to do that. If you look hard enough online, you may be able to find step by step guidelines on how to turn your conventional sports car into a modern, high-end sports car. Remember to stick by the safety standards, however. That can be the tricky part. Ask around before you make changes just to be sure. Apart from that, you can go crazy and spice up your ride in every possible way.
Since President Bush announced an agenda for weaning the country from dependency on foreign oil, new ethanol plants have been popping up across the nation.
Ethanol demand is rising. If you fuel your car in the U.S., you are putting ethanol in your gas tank because regular gasoline now contains at least 10 percent ethanol. And many gas stations are replacing their mid-grade gasoline with E85, which is 85 percent ethanol.
The strategy seems to be working. According to Bob Dinneen, president of the Renewable Fuels Association, the U.S. has already reduced its fuel consumption considerably.
The increased use of ethanol is good news in terms of energy independence and environmental friendliness. However, its use can form acids and lead to oxidation of internal engine parts if you do not use the right motor oil.
Lubrilon, a specialty automotive oil, was specifically formulated for use with all ethanol-blended fuels. Lubrilon multi-viscosity motor oils are SAE and API licensed for use in all gasoline engines, and are engineered to help combat the acids formed when burning any modern ethanol fuel blend, including gasoline and E85.
While the name Lubrilon may be new to the average consumer, it is recognized by specialty shops, racing fans and aircraft mechanics across the U.S. Throughout its 30-year history, the Lubrilon name has been known for its lubrication products for the automotive, racing and aviation industries.
The original formula, an engine protection treatment, is still available today. That formula has been determined by university and government testing laboratories to be a one-time, permanent engine protection that virtually eliminates wear. It’s the only product of its kind on the market.
The original formula, an engine protection treatment, is still available today. That formula has been determined by university and government testing laboratories to be a one-time, permanent engine protection that virtually eliminates wear. It’s the only product of its kind on the market.
The original formula, an engine protection treatment, is still available today. That formula has been determined by university and government testing laboratories to be a one-time, permanent engine protection that virtually eliminates wear. It’s the only product of its kind on the market.
The original formula, an engine protection treatment, is still available today. That formula has been determined by university and government testing laboratories to be a one-time, permanent engine protection that virtually eliminates wear. It’s the only product of its kind on the market.
The original formula, an engine protection treatment, is still available today. That formula has been determined by university and government testing laboratories to be a one-time, permanent engine protection that virtually eliminates wear. It’s the only product of its kind on the market.
The original formula, an engine protection treatment, is still available today. That formula has been determined by university and government testing laboratories to be a one-time, permanent engine protection that virtually eliminates wear. It’s the only product of its kind on the market.
The original formula, an engine protection treatment, is still available today. That formula has been determined by university and government testing laboratories to be a one-time, permanent engine protection that virtually eliminates wear. It’s the only product of its kind on the market.
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For identical monthly finance payments, some cars will depreciate less than others and at trade-in time save thousands of dollars for the far-sighted owner
Getting residual values
This will take a little homework and shoe leather.
1. Identify several cars having similar features that can be leased for similar monthly payments.
2. Note and write down the residual value of the cars.
3. If you’re not married to a brand name (most cars today have similar high quality) then if features are similar, go with the car having the highest residual value
The Internet may not be the best place to try to get this information. Surveys show that 60% of people looking to buy or lease a car do some searching on the Internet. This has made the manufacturers less willing to disclose residual values. In fact, some of the Big Three (GM, Ford, Chrysler) will not print them in a quotation from the dealer.
Residual values risks
These values are at best educated guesses
Residual value amounts are made by companies (or the car’s manufacturer) as to what the car will be worth after a certain number of years. It is not a value you can take to the bank. The manufacturer might even inflate the value in order to increase the sale of leased cars, where by increasing the residual value the monthly lease payment is decreased a little bit and may be more completive vis-à-vis another make of car.
Check popular publications
If you sense from popular publications (newspapers, car magazines, etc) that the car is not selling very well and that there is a big push to get rid of inventory, then assume that the residual value might in fact be as much as 10% less than the actual value ought to be.
Other risks in residual value accuracy
This risk is present matter what two cars you select for comparison. Between now and, for example, three years from now, a competitive model might pop up that makes your current prospect a real dog by comparison, thereby decreasing its residual value. But that is true about any current model. So don’t worry about that, as you are only trying to compare two residual values knowing that both are in danger of being similarly different in the next three (or 4, or 5 or 6) years.
Residual values from the Internet
Although the Internet is jammed with card sites offering residual values, they are mostly approximations. The largest automotive database I know of ($50,000 annual license fee to use) offers residual values for each of four different geographical areas of the United States. In the Northeast U.S. it offers one set of values for the western half of a State and a different set for the eastern half.
Therefore the only reliable value is the one you get from a local dealer. All the rest are really an average. Manufacturers are uniform in not giving out residual values to third parties, so one has to wonder where the Internet sources get them.
Decide on term of ownership
Before asking for the residual value of the lease, decide on how long you plan on owning the car. Leases are offered for up to five years, or 60 months. Just be sure to get a residual value for the number of years you plan on owning the car.
By Federal law all pertinent financial data must be provided before signing a contract.
Ask any salesperson for a lease offer, and insist on the residual value. He may give it to you only verbally, since every effort is being made to hide this from you. Insist on it, and they will deliver the value. Say Thank You and move on
If you get a hard time from the dealer or his salesperson, here is the law you can quote
Note: For the sake of brevity, much of the material has been omitted as not relevant to residual values, but may be seen in whole om the Internet searching for Regulation M, then look for sub paragraphs as follows:
Regulation M Consumer Leasing Sec. 213.4 Content of disclosures
For any consumer lease subject to this part, the lessor shall disclose the following information, as applicable:
4) Residual value. The residual value, with a description such as the value of the vehicle at the end of the lease used in calculating your base [periodic] payment
This means you have legal right to the residual value, under Federal Regulation M
Financial gain
For any two vehicles, whether a Sedan, Van, SUV, or light truck, costing about $25,000, it is not unusual for the trade-in value after three years to differ by up to $3,000. This is money that stays in your pocket. So the effort to do this fact finding before buying the car is handsomely rewarded.
Financing terms
The interest rate that determines the monthly payment is immaterial. All that is to be compared are two cars for which the monthly payment is essentially identical, and then develop an estimate of what each might be worth in x number of years.
It’s essentially money-in vs. money-out. If you pay the same monthly payment for car A as for car B, will car A cost $3,000 more to trade it in for the new model A than if you had bought car B?
Copyright 2006 by Beacon Data LLC All rights reserved
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