Finding The Right Car

By Lyn Henderson

There are many costs associated with buying car. There are many things that are not disclosed to the car buyer that are major concerns on your next car purchase.

Although Toyotas' and Hondas' are more expensive to purchase upfront the cost of ownership is much less. These types of cars require less maintenance. These types of cars rarely breakdown and are very cheap to own.

There are other fees associated with buying a car. If you are buying a car from a dealer make sure that you understand the fees. There are additional fees including dealer doc prep, taxes, title and licensing. Before you buy the car call your local government agency and make sure you know the actual costs of these fees.

Check your local bank or credit unions rates before you talk to a dealer. Take a print out of the current rates so you have written proof of current rates. Dealers will get a kick-back from the lenders by increasing the interest rates.

What dealers actually pay for a car is something that varies per location. Most dealers pay average MMR for vehicles that run through auctions. This average is just below trade-in. The condition of the vehicle and the vehicles title will determine what a dealer will pay.

Make sure you look at the depreciation of the vehicle. If a car depreciates rapidly it is not a good buy. The older the vehicle the less it will depreciate. Toyotas and Hondas depreciate very slowly but Kia and some American made brands have very fast depreciation. - 21396

About the Author:

lyn henderson writes articles for cheap cars cheap and about used cars

The Infinite Banking Concept Fact Or Fiction?

By Tomas McFie

This is an actual case study of someone who put the Infinite Banking Concept into practice as described by R. Nelson Nash in his book Becoming Your Own Banker.

A 45 year old male

An annual premium consisting of $30,000 being paid into a dividend paying whole life insurance policy with a face value consisting of $567,000

In two weeks he took a $12,000 loan from his policy out of the $22,000 of available cash values.

He used this $12,000 to take care of a bill to the tax department. The man repaid this loan on a repayment schedule.

His repayment schedule specified that he would pay back this loan over a course of 36 months with a monthly payment of $390. At the end of this time he had paid back $14,040 and now had this money available in addition to the $10,000 of cash value that did not loan from his cash values originally.

Over a 36 month time frame he paid two additional annual premiums of $30,000.

The second paid premium increased his cash values another $24,000

After he paid the third premium, another $34,500 was added to his cash values.

Now he has $82,540 in cash values besides the $801,000 of face value. At this time, he has only paid $90,000 of premiums, so really his cost has simply been $208 per month or $7,460 in all.

So let us compare this to a term policy with $800,000 of face value. For this kind of face value he would have paid $323 every month for a total of $11,628 over this period of time.

But it gets even better because he put the $10,000 of cash value left in the policy after the first policy loan to work also.

That $10,000 added to $20,000 which he had on hand, he used to purchase a car. The monthly amortization schedule, for the car, outlined payments of $667.33 per month for 36 months. Therefore after the 36 month period outlined above, this man at age 48, has the $82,540 plus an additional $24,042 in cash values, added together that makes $106,564 this registers as $16,564 more than he has expended in premiums!

Conclusion:

This man has $16,564 more than he paid in premiums. This is money he would not have had if he had not followed The Infinite Banking Concept.

He also has $801,000 of death benefit through his life insurance policy with technically no expense.

Also, he took care of a $12,000 bill to the tax department and purchased a $30,000 automobile.

In two more years, he will have an additional $16,016 by maintaining the loan repayment schedule established on the automobile.

Finally, because he has been utilizing the Infinite Banking Concept and practiced Becoming Your Own Banker, his face value has gone up from $801,000 to $812,424.

Because he learned to control the banking equation, he has received, tax free, all the profits which would have gone to the banking and financial institutions.

What this case study proves is that the "return of your money is always more important than the rate of return on your money."

So The Infinite Banking Concept is truly fact not fiction - 21396

About the Author:

Dr. Tom McFie of Life Benefits, Inc. Is a widley sought financial coach. He helps people and business owners recover 30-35% of the money they are currently spending through the practice of the Infinite Banking Concept as described in the book Becoming Your Own Banker

Most Common Variables Considered When Calculating Home Insurance Rates

By Amy Nutt

Home insurance provides coverage for homeowners against the risk of loss that may occur from damage, fire or theft. Home insurance rates look at the probability that a loss will occur based on the claims experience of the insured, who is the homeowner.

Home insurance uses individual underwriting standards to assess risk. Risk is the potential for a reduction in value that may occur. When a number of these occurrences happen for a particular insured, the insurance company either raises the rate or drops coverage. It is the hope of the insurance company to not have to pay claims and employ assessment factors to understand better the likelihood that a homeowner is exposed to loss and rates it accordingly.

Certain factors beyond the individual homeowners claim experience include zip code ratings, type of home owned, whether any commercial activity takes place in the home, and the home's overall value in comparison to similar homes within the area. These factors give the insurer the information needed to calculate the probability off loss and adjust rates accordingly.

Hazards are factors that can lead to a loss. There are three hazards, physical or tangible hazard, moral which is character and morale or indifference. For example homeowner A who buys home insurance policy for a home that is rented out to tenants will pay a higher rate than homeowner B buying home insurance on a similar home in which she resides. That is because homeowner A has a higher morale and physical hazard present in the home than homeowner B does. The tenants are not the owner and may not hold the same regard for the home as the homeowner does. This could lead to physical damage, deterioration or even theft.

A census or zip code assessment looks at the instances of crime and vandalism that occurs in a given area. Homeowners purchasing home insurance in high crime areas face higher premiums than homeowners who live in outlying suburbs. There is some controversy over this type of practice and was the basis of a group action lawsuit in Milwaukee in the late 1980s against American Family Insurance Company. The results of the suit led to changes in the underwriting practices in certain minority communities in the City of Milwaukee.

The likelihood that a loss occurs and the probability associated with it results in the rating factor. The rating factor may be set based on community experience or standards and may be reduced over time where individual claims experience results in better a rating.

All insurance provides an indemnity benefit to reimburse an individual for the value of their loss. An insured who believes that the purpose of insurance is to profit or get more than the fair market value of their property do not have the appropriate understanding of what insurance is for. Insurance is not for making a person rich but rather to keep them from becoming poor. To provide piece of mind risk ratings reflect experience, probability and the presence of other measurable variables that can be statistically tested. - 21396

About the Author:

Canada's largest independent insurance brokerage firms delivering car insurance in London, and home insurance in London, home insurance solutions in your community and around the world for over 70 years and offices in Cambridge, Waterloo and Toronto

Is it Possible to Find a Rental Cars History?

By Amy Nutt

Most car rental companies normally keep their late-model cars for rent for one to two years after being in service. When the cars are retired from service, they will normally be sold at an auction, through a dealer, or directly from the rental company. When buying a rental car, one can usually get a real good deal. However, like any other vehicle you are interested in buying, it is important to find out the rental car history.

There are a number of benefits to purchasing a rental car. There can be good financing deals, affordable prices, easy access to company maintenance records, factory warranties may still be valid, and there are a variety of makes and models. Many of these companies inspect and maintain their vehicles regularly. and keep them clean and in good mechanical condition. With the many benefits, potential buyers have to consider that the vehicle has been driven by multiple owners so the car may have been mistreated, the vehicle may have high mileage, and there may be some damage.

Before purchasing a rental car you should protect yourself by acquiring a report on the history of the car. You can normally find pot about the history of the car by checking the title. You can contact the Department of Motor Vehicles request a title report giving. You will receive a history of the cars ownership from the date of its first purchase.

You can also find out a rental cars history by acquiring a CarFax report. Each year, CarFax is accessed by millions of people. Vehicle history reports are available for all used cars and light trucks model year from 1981 and later. Once you enter the VIN number, a report is made available about the car from a database of more than 6 billion records. Report is instantly generated from our database of over six billion records. CarFax obtains its data from over 20,000 information sources. This includes: vehicle auctions, fire and police departments, every U.S. and Canadian provincial motor vehicle agencies, plus, collision repair facilities, fleet management and rental agenciesetc.

Vehicle history reports include:

- Odometer readings Normal mileage for a rental is 20,000 - 30,000 miles. - Registration and Title information - Vehicle use (rental, lease, etc.) - Previous owners - Recall repair history. - Accident history, (exterior damage, flood, accident indicators, such as airbag deployments) - State emissions inspection results - Service records - Service Records:

Many companies sell cars out of their rental fleet. It's always best to have a rental car inspected by a mechanic before buying. For more information, contact your local car rental company. Buying a rental vehicle through Budget rental car sales can save you money, and you can own a vehicle with relatively low mileage and possibly some remaining warranty. Be a smart consumer before you buy and think of your rental car purchase as a large purchase, so put in the due diligence first. Reputable car rental companies generally conduct regular maintenance on their vehicles and replace them after only eight to 12 months. - 21396

About the Author:

Canadian owned and operated - Discount car and trucks rental offers a wide variety of vehicle choices for all your car rental and truck rentals requirements with locations from coast to coast.

Learn More About G Scale Trains

By Ferdinand Emy

G scale trains are trains that were built and built to run on a particular kind of standard for model train rail track. G scale trains are very effective for outdoor use, and Thence they are very predominantly utilized for garden trains. That is because G scale trains are build to withstand various degrees of weather, including snow.

Of course, you cant scale down snow, so what might be a light snow fall for you, could be a blizzard for G scale trains. A lot of manufacturers have built little snowplows that are attached to the locomotives of such trains, and that helps them clean their own tracks when working. Indubitably, if the snow is so hard that it forces you to shovel it just to park your car, then you'd excellent take your train indoors.

Otherwise than heavy snow and actually extreme climatic state s, such as hurries, weather isn't a reason to take G scale trains indoors, even though if you reside in an area where there is vandalism, you might want to, just to keep them safe. Another choice is to set up a fence or a screen, so that your G scale trains are kept out of sight.

Due to the fact that they are mostly used as garden trains, a lot of persons thing that the G in G scale trains stands for garden. It in fact stands for the German word Gross which means big. This is because G scale was introduced by the brand LGB, which stands for Lehmann Gross Bahn, or Lehmann Big Train.

In fact the term G scale train is deceiving, as it does not refer to any comparison scale, for example 1:20. G scale is a reference to the tracks gauge. This is a 45 millimeters standard, which is very resistant to weather and outdoor fitness s.

All G scale trains run on this standard with no compatibility problem, not even if their scales are diverse . Tracks are built out of many materials, all with resistance to weather, Although a good number of materials are more resistant than others.

The most common material for tracks is brass, which is an alloy of copper and zinc. This material is popular because it is very effortless to clean, requiring little more than just a swipe with a cloth. Aluminum is similarly used for low maintenance tracks, because it is cheaper and because it is resistant to corrosion. A more expensive, yet more durable material is stainless steel, which is utilised for tracks that require a more demanding use. - 21396

About the Author:

There are a lot you need to learn about hobby trains to get you started on this great pastime hobby, get the Hobby Train Instructions and the hobby trains basics from the experts now