3 Things to Know Before Buying a New Car

vehicle Buying a new car is a big investment. It’s something that you should never rush into and you should always do your research (www.reedmantollchevy.com) before going shopping. Start by learning as much as you can about the vehicles you have an interest in and then do a comparison. Check out the features, prices and reviews to gather as much information as you need to make an informed decision on which car to buy.

Once your research is complete and you’ve chose your vehicle, the next step would be to find ways to save on your purchase.

Here are three things to know before buying a new car to help you save money on your purchase:

  1. Know your credit score. The better your credit score, the lower your interest rate. If you have a low credit score you may want to postpone buying a new car until you have time to improve it.
  2. Know the car’s invoice price. The invoice price is the amount that dealers pay the manufactures for the cars they purchase. The sticker price is the manufacturer’s suggested retail price or MSRP. The sticker price can be thousands of dollars more than the invoice price in which case you know there is room for negotiations.  
  3. You don’t always need the extras. Some extras are nice and well worth the extra expense but some are not necessary. For example, you probably don’t need the paint protection, rust proofing and fabric protection.

Knowing the three things above can help save you hundreds, maybe even thousands of dollars on your new car. The money you save may mean the difference between buying the car you like and being able to afford the one you love.

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How Your Credit Score Affects Car Buying

vehicles As soon as you start thinking about buying a new or used car, the first thing you should do is check your credit score. Many people don’t realize just how much your credit affects a car loan but it’s one of the main factors lenders use to determine whether or not you qualify for a loan. If you are in the market for a new vehicle, why not look at www.reedmantoll.com, they carry new and used vehicles! 

Here are some of the ways your credit score affects car buying:

  • Your credit score determines which financial lenders consider you for a loan, if any. You’ll have more options to choose from when you have a good credit history because lenders consider you a low risk.
  • If you have bad credit, most lenders will deny the loan because you’re considered a high risk. They know you have a history of paying late or not fulfilling your financial obligations.
  • If you are approved for a loan with bad credit, your interest rate will be much higher than if you have a good credit score. As a rule, the higher your score, the lower your interest rate.
  • Your score may also determine how much you have to pay for the down payment. Lenders usually ask for a higher down payment when your credit is bad than they do if you have good credit.

Don’t underestimate the importance of your credit history when buying a car or making any major purchase. Lenders use this information to determine how well you manage your finances. By maintain a high score, you have better lending options and you’ll receive lower interest rates. Have you checked your score lately?

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The Best Warm Family Vacation Destinations

family

Surviving winter with kids can often be quite a challenge! Sure, they love snow days spent building snowmen and drinking hot cocoa by the fire. But let’s face it, most days the relentless cold weather leaves us stranded inside fighting cabin fever. By this time every year I’m on the hunt for a warm winter family vacation to get us out of the cold and back into the sun! So I’ve put together this list of my favorite warm destinations to share with all of you. Say GOOD-BYE blustery cold winter blues, HELLO sunshine and strappy sandal shoes! So hop in your car (www.reedmantollnissanofdrexelhill.com) and get some miles on those tires, and enjoy a fun family vacation!
Forget building snowmen and take the kids to the beach to build sandcastles on the beautiful Grand Cayman Islands, Seven Mile Beach. Enjoy snorkeling in the crystal clear water, parasailing, boating, kitesurfing, horseback riding or head over to Stingray City for a once-in-a-lifetime experience your family will never forget. There are several resorts, hotels, villas and condos to book accommodations throughout the island.

Hotel del Coronado
Take the family ice skating on the beach at the Hotel del Coronado in San Diego, California. Yes, you read that right, ICE SKATING on the BEACH! Your family will enjoy ice skating on the 10,000 square foot lawn that is transformed into an ice skating rink overlooking the beautiful Pacific Ocean, complete with hot cocoa and holiday music. But the fun doesn’t stop there! This beautiful family resort located on 31 oceanfront acres has loads of activities including kayaking, bike rentals, fishing and sailing. Or escape to the spa for a much needed Swedish massage while the kids have fun at the Kidtopia program or Teen Vibz activity center.

Disney’s Animal Kingdom Theme Park
For a truly unique vacation, head to Disney World’s Animal Kingdom Theme Park in Orlando, Florida. With an array of attractions from animal exhibits to safaris and roller coasters, there is something here to please everyone in the family! With 1,700 animals and over 250 different species your family can participate in guided tours of the property as well as interactive encounters and private VIP safaris.

Atlantis Paradise Island
The all-inclusive resort, Atlantis Paradise Island in the Bahamas is possibly the best family vacation spot there is, which is why I’ve saved it for last! First of all, all-inclusive is a big deal in my family. Not having to worry about food or drink will save you time and money. From casual to fine dining, there are more than 20 places to grab a bite to eat with an array of food to choose from. No one will be hungry on this trip! The resort itself is gorgeous and has plenty of things to do for the whole family. Swim with the dolphins for an unforgettable experience at Dolphin Cay, snorkel the ruins of Atlantis or spend the day at the 141 acre waterpark.

Wherever your family vacations this winter, the important thing is to have fun and spend quality time together. Some of my fondest childhood memories are from family vacations. So remember to relax, have fun and create those memories! From my family to yours, safe travels!

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What to Look for in a New Vehicle

car Buying a new vehicle is a big financial step. Once you’ve made the decision to purchase a new vehicle, you’ll have to decide what kind you want. If you need a little help, maybe search around on car dealership sites, to get a feel for what you want, www.caitlinchryslerdodgejeepram.com. Part of your decision will be based on your lifestyle. Are you single or married? Do you have kids and if so, how many? What will you use the vehicle for? After narrowing down your options to three or four specific vehicles, start researching to determine which one would suit your needs the best.

Here are a few things to look for in a new vehicle that will help you choose:

  • How safe is it? Safety is the number one thing to look for when buying a new vehicle. The crash test rating will give you a good idea of how safe it is. You can also add extra safety features that include stability control, console or curtain airbags, anti-lock brakes and alert systems.
  • Is it reliable? Reliability is the second most important thing to look for. Look at consumer reports and other sources to determine the reliability of the vehicle you’re considering buying.
  • Which features come standard on your vehicle? Which ones can you add? New vehicles come with all types of features that include a rear seatbelt warning, safety sensors, rear cameras, USB ports, Bluetooth and heated seats.
  • What type of factory warranty will you get? No one wants to think about their new car ever breaking down on them. However, if it did happen, what type of coverage will you have? What do the Power Train warranty and bumper to bumper warranty actually cover? Does it have a rust proof warranty? How long do these warranties last?

Find out all you can before you go shopping for your new car, truck or SUV and it will help you make the best choice. When you know what to look for, you’ll be happier and more satisfied with your purchase.

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Should You Buy or Lease Your New Vehicle?

buy a new car Once you make the decision to buy a new car, you’re faced with a very important question. Should you buy or lease your new vehicle? Whether to lease or buy is a personal choice that you have to decide based on your lifestyle and needs. However, you can make a better decision when you know the main benefits associated with both options.

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Leasing benefits:

  • You can drive a new vehicle every two or three years, depending on the length of the lease
  • You may not need a down payment, depending on your credit history
  • Your monthly payments are usually lower when you lease than when you buy
  • You may be able to lease a better vehicle with extra features you always wanted
  • Your vehicle is always under warranty

Benefits of buying:

  • You own the vehicle so you can make any modifications you want
  • You don’t have to worry about keeping the vehicle spotless and in excellent shape to avoid excessive wear and tear charges at the end of the agreement
  • Mileage is not limited, so drive all you want
  • You don’t have to give the vehicle back at the end of the lease, when your agreement ends, the vehicle is yours

Whether to lease or buy is not always an easy decision. In addition to these benefits, there are a few drawbacks as well. For example, when leasing you are expected to keep the vehicle in excellent condition. This might be difficult if you have small children, so your lifestyle does play a major role in your decision. When buying, you’re responsible for all of the maintenance and upkeep on the vehicle and that can get expensive as the years go by.

It is a difficult decision that should be considered carefully before you make your final decision. However, taking your lifestyle into consideration and the benefits associated with both options will help you make the best choice.

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