LAW CAMBECE

Winter Driving Tips
Put an extra car key in your pocket. A number of motorists have locked themselves out of their cars when putting on chains and at ski areas.
Allow enough time. Trips to the mountains can take longer during winter than other times of year, especially if you encounter storm conditions or icy roads. Get an early start and allow plenty of time to reach your destination.
Keep your gas tank full. It may be necessary to change routes or turn back during a bad storm or you may be caught in a traffic delay.
Keep windshield and windows clear. You may want to stop at a safe turnout to use a snow or, ice or scraper. Use the car defroster and a clean cloth to keep the windows free of fog.
Slow down. A highway speed of 55 miles an hour may be safe in dry weather - but an invitation for trouble on snow and ice. Snow and ice make stopping distances much longer, so keep your seat belt buckled and leave more distance between your vehicle and the vehicle ahead. Bridge decks and shady spots can be icy when other areas are not. Remember to avoid sudden stops and quick direction changes.
Be more observant. Visibility is often limited in winter by weather conditions. Slow down and watch for other vehicles and for snow equipment.
Even though snow removal vehicles have flashing lights, visibility may be so restricted during a storm that it is difficult to see the slow moving equipment.
When stalled, stay with your vehicle and try to conserve fuel while maintaining warmth. Be alert to any possible exhaust or monoxide problems.

CAMBECE LAW OFFICE

Credit unions charge less on loans so they are the best possible off line lender out there. You can also try asking for a loan from your bank. Family is a good source of financing for a loan but if you are just establishing your credit, it doesn't help you to build it.Another good source are equity loans but the only advantage is you can deduct interest from your taxes. Typically, equity loans have terms of 15 years and its possible that your loan can outlive your car. Consider auto financing loan by the dealer as a last resort. They usually charge higher interest except when they sometimes offer low rate auto loan promotion. Be aware of First Time Buyer Programs that some dealerships offer. They are intended for graduating college senior and these programs are subsidized by the car manufacturer.

LAW OFFICES CAMBECE

CAMBECE LAW OFFICES: Your family may loan you the money needed for a cash transaction too if you buy the car from a private party. Cars depreciate half their value in 3 years. So a 5 year old car generally wouldn't be too expensive if bought for cash.Used auto loan sources are plentiful for cars that are less than 5 years. When looking for a used car, securing financing should be the first step that you do. If you have your financing already in place, you'll avoid dealers charging you more than what is necessary.That's true for people who bought a car but whose credit wasn't so good and who need to improve credit score. So the dealer found a new auto loan for you at 21%. And you agreed since there's nothing much you can do. You had bad credit and you just needed a car to go work.
Now you've been working six months, had been making your monthly payment on time every month. Time to find a car refinance loan. Let's do the math: if you can find a loan at 11%, still a little bit high but a good 10 points lower than your current loan, refinancing auto loan would be fantastic. Most lenders, if you've been making timely payments on your car loan for 6 months, will be willing to give you a try. Consumers should know about a practice used in the auto business called "dealer markup." Here's how it works. You go to an auto dealer and agree to buy a vehicle for a certain price.You then tell the salesperson that you are either going to finance the car or lease it through the dealership. Before you go into the finance and insurance room to review the final documents, the finance manager begins shopping for a car loan on your behalf. He found that you qualify for a 7 percent loan over five years.
JA CAMBECE
CAMBECE LAW


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