Private Party Auto Financing

By Luke Santens

A private party car loan is used to buy a vehicle from either an individual seller or from a dealership. This type of loan is sought by a used car buyer independent of the dealership. A private party loan is similar to a traditional auto loan you would get through a dealership but there are some differences.

The Loan Term

Private Lenders typically offer loans between 24 and 48 months. That is much shorter than the typical 72 month dealership auto loan term.

Remember that the longer the loan term the more interest you end up paying over the course of the loan. Therefore, if you can afford to make higher monthly payments on a shorter loan term you will get the best deal.

Higher Interest Rates

Despite typically costing less in interest over the course of the loan, private party lenders tend to offer loans with slightly higher APRs. This is not always the case though, depending on your credit score and how much shopping around you do for loans you can often find a loan with a comparable rate. So be sure to shop around!

Get Approved Before You Buy

In general you go through the loan approval process before you start seriously shopping for a car. Instead of picking out a car and then applying for financing which is the common practice with dealership loans. The result is more flexibility and negotiating power when you are actually shopping.

Another advantage to this setup is that buyers with less than perfect credit can find out exactly how much car they can afford before they decide on one. It sucks to find the perfect vehicle and be told after doing all the paperwork that they cannot actually afford it.

Freedom To Buy From Private Sellers

The difference between buying the same car at a dealership or from a private seller is typically thousands of dollars. Many people think they can't go the private party route because they cannot finance their purchase, but private party auto loans do just that. - 21396

About the Author:

Before you purchase your next vehicle, be sure to check out Luke's blog which has more information on applying for a private party auto loan

Choosing Between Electric and Gas RC Helicopters

By Sam Lin

RC Helicopters are one of the most popular rc toys. His popularity is not entirely surprising. Imagine full filling your dream of flying a plane without too much cost or effort. And most importantly: with your feet on the ground. Well that's a factor if you do not want to risk your life flying in the sky.

RC Helicopters usually come as either gas or electric. Here are some differences between the two types:

Electric RC Helicopters are a better choice if you are a beginner with rc's. The reasons are simple. Electric RC Helicopter is easier to use than other RC helicopters, especially the gas type. With electric you will not have to worry about how much gas it will consume and you would not be required to have good knowledge of the mechanics. You do not need to spend too much time reading manuals just to understand how it works. And if the device crashes, it should not be too hard to understand how to fix the problem.

If you believe that electric RC helicopters do not fly long enough, then you should have a look at your perspective. Most electric RC use lithium and coupled are with brushless motors. This will allow a much longer flying time.

Another benefit is; it is very quiet in the air so you should not disturb other people

RC helicopter pilots with more experience prefer gas RC Helicopters for several reasons. Gas RC helicopter fly like a helicopter would fly, due to the size of the engine, and creates more excitement. Oh! One might think it is absolutely absurd. But no! The sound of the engine makes the flying experience very exciting. Another reason is that gas RC helicopters are more complicated, the driver of the dependency itself. Why? This is because the pilot not only needs to fly the helicopter alone. The driver is in control of the mechanism of RC. This gives even more reason to be happy about the RC Helicopter.

Choosing between an electric RC helicopter and a gas RC helicopter is up to you. Evaluate carefully so that you get the most out of your RC flying experience. - 21396

About the Author:

Sam Lin is the owner of RC Helicopters website. This RC Site is the place to explore the world of RC Helicopters, gas rc helicopter,electric rc helicopters,mini rc helicopter,remote control helicopter,nitro and gas powered rc helicopters.

Cash Saving New Car Buying Tips

By David Redfoot

Tips for new car buying without letting emotion cloud your judgement. Getting behind the wheel of the latest model is exciting. But don't let the salesman be in the drivers seat when you negotiate the deal. You have to keep a cool head.

You will have done your research before you go to visit the dealer. Of course, you will have made a practical decision about the type of car you really need and your budget. You set out with good intentions but then you smell that new car smell and see that gleaming paint job and ...!

That's where they've got you. The dealer is your friend and he doesn't want you to have to settle for second best. He can see you glancing towards what you really want. It's his job to convince you that with the special deal he's going to cut you, you can afford it. As long as you buy today, that is.

He'll have you sitting in a car that you hadn't planned on or at least make some of the accessories and extras seem essential. With his great finance rate and the deal he can offer on servicing, it all seems amazingly affordable.

And you drive away feeling elated, not even realising that you have been on a treasure hunt. You have been led along a well worn path and at every turn, the dealer has added to his stock of treasure, right out of your pocket. He will have missed no opportunity to boost his profit, because he was working to a plan.

He is working to the dealers playbook of influencing techniques and psychological tricks to get you to buy now and not look too closely at the small print. Some of these are clever. Some are downright dirty.

One of the best tips for buying a new car is, don't! Before you go to buy, you need to be as prepared as the salesman is. It's a big purchase and worth the effort. It's essential to know what type of car, if not the exact model, that you want. You have to know what your monthly budget is. When you have set your limits, don't go beyond them.

You have to go in with the proper mindset so that you won't be swayed by emotion. It's your money and it is up to you, when and where you spend it. Practice saying to yourself, "I can walk away". There are lots of car dealers and lots of deals. If you don't like the first one, there is always another one. The salesman is under pressure to get the deal signed. You are not, despite what he would have you believe.

If you feel under pressure, tell the dealer that you are going to buy, but not necessarily now and from him. Take back control and then ask for a better deal. There may be unadvertised offers. I got a salesman to check on this and saved $700! - 21396

About the Author:

An ex car industry insider, someone who knows all the dealers tricks, has just published a brand new guide. Read this car buying tips review, and discover how you can take the edge and get the best deal on your next new car.

The Basics of your Cars Carburetor

By Everette JT Jamison

Many people drive automobiles that run smoothly (usually) with sophisticated computer-controlled parts and systems. In fact car manufacturers has striven to design parts that are far more precise than those used in cars over twenty years ago. But, there are many auto hobbiest who still drive vehicles that use mechanical parts. In fact, these people not only own, but revel in maintaining their automotive relics of the past. Most of them use carburetors (or, carbs) instead of fuel injection systems.

We will discuss come of the ways on how carburetors work. we will discuss their operation and explain how they contribute to the function of your engine (if you're driving an older car).

The Reasoning

In order for your vehicles engine to operate, a proper mixture of air and fuel must be present. If the mixture is not balanced properly, the imbalance will affect your engine's performance. For example, if there's too much fuel, your vehicle may stall or operate sluggishly. On the other hand, if there's an insufficient amount, your car may not even run. The carb's job is to control the mixture, so that the right level of gasoline is present.

The Parts Effected

A carburetor is manufactured from a pipe (called the throat) through which air is allowed to flow. Toward the middle of this pipe, the passage narrows which creates a vacuum in that section. This vacuum accelerates the speed of the airflow in that section of the pipe (called the venturi).

Next to the throat is a component that contains the float chamber. Gasoline is fed into the chamber by way of the float valve. A "jet" allows the gasoline to enter the carb's throat. As air flows through the throat and accelerates through the venturi, gas is vacuumed from the float chamber and mixes with the air.

Below the venturi is a part called the throttle valve. This valve rotates to control the airflow. It can be positioned to allow a free flow (that is, no blockage) or to form a near-complete blockage. Because a vacuum is created in the venturi, and the force of the vacuum is dependent upon the airflow, blocking that flow controls the amount of fuel which is pulled from the float chamber. That is how the carburetor controls the mixture.

The amount of gasoline in the mixture that ultimately finds its way to your car's engine impacts your engine's performance and fuel efficiency. Unfortunately, because carbs are mechanical in design, the parts that contribute to your vehicle's performance and fuel efficiency must be recalibrated periodically. This is done by performing a tune-up.

What I've described above is an overview of how a carburetor works. There are a few other parts involved (for example, the air cleaner, float arm, and choke valve), but they are not essential for understanding its basic operation. Hopefully, you can now appreciate why fuel injection systems are more precise and therefore, have replaced carburetors. - 21396

About the Author:

For all your used Ford Escort Parts and used Ford transmissions needs consider the leader in parts, http://www.everdrive.com

Ridding Yourself of Wedding Day Woes: Find Out Who Is Driving You

By Gary Hill

Between the Yes to I do there is a lot of planning for your wedding. You will likely spend many months organizing and perfecting your wedding day. You will be stressed. You will wonder what youre getting yourself into and wish you had just eloped. However, when youre walking down that aisle nothing else will matter because all you will care about is joining your life with that man. Thankfully, there are methods and precautions you can take so that your entire day can go as well as the actual ceremony. One precaution is in the wedding car service you hire and knowing exactly what kind of person you have behind the wheel.

Your Driver The last thing you want on your wedding day is some incompetent impatient driver that is hoping to drop you off so he can pick up the next couple just so he can rush off to a third wedding. There are many things to look for in a driver when you are hiring a wedding car service in order to avoid bad experiences.

A Clean Record Some vital information that you should know when hiring a driver is to know if they have a clean record. Accidents happen but thats something you dont want happening on your wedding day.

Courteousness Having a pushy driver on your wedding day could be disastrous. Not only do you not feel youre getting the right amount of attention you deserve on your wedding day, youre not getting the service you paid for. A driver should make your special day even more spectacular by presenting himself well. For instance, being well groomed and dressed, is punctual and has a positive portrayal that radiates to make your day glow even more.

Does the Car Cater to You? It doesnt matter if you have hired a company that has ten cars or two: when you have hired a car for your wedding, you should ensure the company you hired has an outstanding reputation for having a clean car and that will give you exactly what youre looking for. If you want decorations, make sure the company will have those ready well before theyre supposed to arrive and that the decorations look good. Remember, you are the one that is paying for something and you have every right to get exactly what you want. If the company doesnt decorate and thats what you want, look for another company that will decorate the vehicle. Check up on reputations for whomever you hire to drive you on your wedding day.

Does He Know the Area? It is pertinent you make it to your wedding and/or reception on time and having a driver that doesnt know the area will certainly lead to a late arrival for the bride, groom and other important people being chauffeured. Make sure you know the path your driver is going to take long before your wedding day. Youre also going to have to take into consideration the area you live in, the kind of traffic you get, the hour traffic is worst (you might want to avoid work hour traffic so as to avoid a potentially late situation) and any sort of road construction projects that might be going on.

When you have a great driver, they can add to the value of your wedding day experience than just having a spectacular car. The research you do about the company and the specific person driving you could be the difference between a stressful ride and a stress-free ride. - 21396

About the Author:

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