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Top Cars to own if you Outdoor going or a Dog owner

icon/user/avatar/20 Created with Sketch. By Y.L

The American Veterinary Medical Association (AVMA) recognizes the importance of pets and their owners. According to its most recent study, 38.4% of U.S. households have at least one dog – a number that is steadily increasing each year. The AVMA encourages pet owners to consider a few things before buying a car: -Safety features like airbags, seat belts, and an anti-skid braking system -Legal requirements and restrictions on transporting pets -Whether they need a roof rack or an all-terrain vehicle to get aroundWhat could be better than a sunny day and an open road? A sunny day and an open road with your canine companion at your side! While some people might say that dogs belong inside, on the couch, not on the road, or that they shouldn’t ride in cars at all, we think those people are missing out. Dogs are natural explorers and adventurers. They love to go for rides. And it’s a great way to bond with them. Here are our 10 favorite cars for dog lovers! -A Honda CR-V: The CR-V is a great all-around car for pet owners. It has lots of room, both for people and for pets. And it’s easy to clean! Plus, the cargo space in the back can hold plenty of dog supplies (and other things) if you want to go on an overnight trip or longer. A convertible is the perfect way to enjoy your dog on a sunny day. The wind in their fur and the sun on their face will make them feel like they’re in heaven. And you get all of that without having to worry about your dog getting car sick! 1. Subaru Forester – The 2019 Subaru Forester is a great option for dog lovers. It has plenty of room to store your pooch, and it comes with many safety features. -A low-to-the-ground car that’s easy for your dog to jump in and out of. -An SUV or crossover with lots of room for both you and Fido -A vehicle with vents on the backseat so your dog can stay cool during hot days -A low-to-the-ground car that’s easy for your dog to jump in and out of. -An SUV or crossover with lots of room for both you and Fido -A vehicle with vents on the backseat so your dog can stay cool during hot days 1. Honda CR-V The Honda CR-V is a great all-around car for dog owners. It’s spacious enough for your pooch to sit comfortably in the back seat, and it has both front and rear air conditioning vents to keep them cool on hot days.

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Car pricing increase

icon/user/avatar/20 Created with Sketch. By Y.L

 Jim Bianco, president of Bianco Research, predicts a “tsunami” of inflation will hit the United States in 2020. “It will be a tsunami that will make the 2008 recession look like nothing,” Bianco said on CNBC’s “Futures Now” on Thursday. Bianco said he expects the consumer price index to rise by 7% annually by 2020. That would be higher than the 3% average rate over the last 10 years and above even the highest level seen since 1990. This would cause interest rates to climb, which would make it more expensive for consumers to borrow money. He predicted that mortgage rates could approach 5% within two years if this happens. High interest rates would also mean that investors would have more trouble finding places to put their money, driving them back into stocks and other risky assets like real estate, which would push up those asset prices even further. Bianco said he expects wages to stay flat when adjusted for inflation for most Americans as well as stock prices growing slowly due to sluggish corporate profits exacerbated by these high inflation rates due to higher interest rates

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Can You Lease Used Cars?

icon/user/avatar/20 Created with Sketch. By Y.L Hashem

If you have decent credit and a stable income, leasing a used car is similar to leasing a new one. But there are some important differences. If you have decent credit and a stable income, leasing a used car is similar to leasing a new one. But there are some important differences. Used car leases tend to be cheaper than their brand-new counterparts, but they will also often come with shorter terms and higher down payments. In addition, the vehicle you lease must be certified pre-owned (CPO), which means it has been refurbished by the dealer so that it's in like-new condition. What's the difference between a lease and a loan? To lease or to loan? First, we’ll walk through the essential differences between leasing and financing so you can make an informed decision. Leasing is a lot like borrowing money to buy a car in that you still have to pay interest on the portion of the vehicle’s value you use during your term. The difference is that with a lease, you pay for the value of the vehicle that depreciates over your time using it, rather than its entire worth. With financing, you borrow money from a lender and then pay off that loan amount over time plus interest (APR). You own the car at the end of your financing agreement. How do you pay less to lease used cars? If you want to take advantage of a good leasing deal on a used car, you may want to consider the following factors: Get an in-demand used car. When a dealership has a high demand for any item, they are more willing to offer incentives. If you find an in-demand used vehicle at your local dealership, they may be willing to negotiate with you on the price and give you more favorable financing options. Find a recently redesigned model. Sometimes dealerships will sell off older models when new ones arrive to save space and make room for newer stock.[2] This can mean better deals and incentives such as reduced prices or free accessories like a spare tire kit or satellite radio. If you’re looking for an older car that has been recently redesigned, this can be an excellent opportunity for leasing one at a great price. Check out cars with lease incentives. Dealerships often have special lease offers available that change monthly or quarterly.[3] Often times these lease offers will be given as part of an incentive program by the manufacturer in order to boost sales during slow periods or increase sales of certain models.[4] You can check online with your local dealer's websites to see what offers are available before going into the dealership or call ahead if time is limited and ask about current promotions. How to get approved for used car leasing However, there are a few tips you can keep in mind to boost your chances of getting approved: Make sure your credit score is high. This can be hard to accomplish if you have a history of late payments and other red flags, but it's by far the most important way to convince the dealer that you're leasing material. If your credit isn't great, try doing some research on ways to improve it ahead of time. Be aware that it could be challenging for some people (such as recent college grads) who don't have much experience with loans or credit cards. Bring proof of income. This is essential if you don't have an established credit history or a high credit score. Your lender needs to see evidence that you'll be able to pay off what you owe on time every month without fail, so they'll turn their attention toward your job and how much money you make there. If possible, bring along previous tax returns from past years as well as the last three months of pay stubs from your current job. Show proof of residence and references. This is similar in purpose to bringing proof of income; it shows the dealer who's considering giving you a lease that you're responsible enough for them to want to work with you as soon as possible! In general, providing more information about yourself will only help your chances at securing a lease deal in the end—and hey, what better way than this? Browse Cars For Lease By Make Acura Alfa Romeo Audi BMW Buick Cadillac Chevrolet Chrysler Dodge FIAT Acura Acura is an automobile manufacturer that should not be confused with its parent company, Honda. Honda is a well-known automobile manufacturer known for producing inexpensive cars and SUVs that are available at low prices and which have good fuel economy. The Acura brand, on the other hand, was introduced in 1986 as a luxury automobile brand. Acura specializes in manufacturing luxury sport utility vehicles (SUVs) and sports cars. In fact, the introduction of the Acura brand in 1986 was one of the first Japanese luxury car brands to make it to North America. Audi Audi A3 Audi A4 Audi A5 Audi A6 Audi A7 Audi A8 Audi Q3 Audi Q5 Audi Q7 BMW As a car company, BMW is known for its luxury vehicles. The brand is German and has been in business since 1916. It makes sporty cars, SUVs, coupes, and convertibles. You'll find plenty of different options to choose from depending on what you need the car for and how much you want to spend. If you're looking for a reliable car that will hold its value over time, BMW is a good choice. Buick Buick is a brand of American car that has been around for over 100 years. It is a sub-brand of General Motors (GM), which produces more than 10 million cars globally each year Buick's luxury offerings help to distinguish it from the other brands offered by GM, which include Chevrolet, Cadillac and GMC. Cadillac Here's the long and short: You can lease many used cars. There are almost no restrictions on what you can buy, as long as it's in good condition. The only caveat is that the car's trim must be less than two years behind the current model year. For example, if it's 2018 and you want to lease a Cadillac ATS coupe, you could get a 2016 or 2017 model year, but not anything older. You'll also find some used models at dealerships that advertise leases on cars older than two years behind the current model year, so if you're eyeing a specific make and model you want to lease, it might be worth your while to shop around if your first dealer doesn't have any eligible used models available. However, they may not offer all of the same benefits that come with leasing new vehicles. Chevrolet Chevrolet has strong brand identity and a long history of dependable cars, but these days they’re also known for their lease specials. You can lease some Chevrolet models for as low as $150 per month. This makes Chevy a great choice for drivers who want to save money and build credit at the same time. But why should you lease? There are plenty of reasons: leasing is much more affordable in the short term, it allows you to trade up for a new car every few years, and it’s an excellent way to build or repair your credit score if you have bad credit or no credit history at all. If any of this sounds appealing, Chevrolet might be the right brand for you. Chrysler Chrysler 300: The Chrysler 300 is a stylish sedan with a comfortable ride and lots of room for passengers. It’s furnished with quality materials, and the trunk has an enormous amount of cargo space. Chrysler Pacifica: The Chrysler Pacifica offers seating for seven or eight passengers and comes standard with three rows of seats. It has more cargo space than the vast majority of minivans and SUVs, so you can fit plenty in it for a road trip or move to college. The cabin is well-insulated, so you won’t hear much outside noise when driving around town in your Pacifica. Dodge If you're looking to lease a Dodge, check out our inventory of Dodge lease deals. We have Dodge lease deals available on all Dodge models, including the Challenger, Charger, Durango, Grand Caravan and Journey. Give us a call at [PHONE NUMBER] or visit your local dealership if you have any questions or would like to schedule a test drive. Ford Ford is one of the most well-known and trusted brands in the world. Ford offers a wide range of car models to fit any budget and need. Ford is known for offering high levels of safety, especially because they are a leading competitor in the use of automotive technology, including lane-keeping systems, blind spot monitoring and automatic emergency braking. If you have kids that you need to cart around town or across country on weekends, a Ford vehicle will definitely come in handy. They’re easy to load up with bikes, bags or whatever supplies are necessary for family fun times. If you’re a traveling businessman or salesperson who drives hundreds of miles a week, then leasing a Ford makes sense as they offer comfortable seating with plenty of trunk space to hold all your gear. If you live in an apartment building in New York City where parking spaces are like gold dust, lease yourself one of Ford’s many small vehicles so it’s easier to find room for it on the street when there’s no parking lot available. GMC GMC stands for General Motors Corporation. It's a brand of General Motors (GM). If you've ever heard of Chevrolet, you've heard of GM. GMC is a part of GM. In fact, GMC was once known as the "rapid motor vehicle company" and provided trucks to the US military in WWI. You can lease many kinds of used cars, and if you do it right, you can save money If you are planning to lease a used car, there are advantages to this option compared to leasing a new car. First, the down payment is lower on a used vehicle. This can be ideal if you want to conserve your cash or don't have much of a down payment budget. Second, monthly payments are often lower when leasing a used vehicle as opposed to leasing a new car. Third, sales tax is calculated based on what you pay each month, so if your monthly payments are lower due to choosing an older model, your sales tax will also be less. A final advantage of buying an older model is that the warranty on a used vehicle can still be in force for several years from when it was originally purchased by the dealership or owner. The dealer will usually sell the remaining time left on the warranty with the sale of the used car. This means that major repairs may be covered by the manufacturer's warranty even though you didn't buy it new yourself; you have simply bought it from someone who did purchase it as new at one point in time but no longer wants it for some reason (such as upgrading their vehicle).

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10 Best Used Luxury Cars to buy

Used Luxury cars to buy near me
icon/user/avatar/20 Created with Sketch. By Y.L Hashem

10 Best Used Luxury Cars A used luxury car often serves two purposes: It offers the status of a luxury brand at a deep discount, and it provides more features than are available on non-luxury cars. For many people, driving a luxury car is a goal. Obviously, practicality dictates that we all have to drive a beat-up sedan from time to time, but if you have some money in the bank and are looking for something special, nothing says "I've made it" like a nice car. That said, there's no need to drain your savings at the dealership. These days, you can get a used luxury car for a fraction of its original price—and when that car still has plenty of life left in it, why not save some cash? After all, most of us don't need the latest and greatest technology or an interior swaddled in cowskin (or whatever). So what is it that makes these cars worth buying? What makes them luxurious? And what are some great options out there right now? If you're in the market for a pre-owned luxury vehicle, here are 10 of the best currently available If you're in the market for a pre-owned luxury vehicle, here are 10 of the best currently available. Toyota Avalon The 2013 Toyota Avalon is an excellent choice if you're looking for a smooth ride, comfortable interior, and a smartly designed cabin. This car's engine comes with Variable Valve Timing with intelligence (VVT-i), which automatically adjusts valve timing to optimize engine performance and efficiency. Lincoln MKZ Hybrid Adding a hybrid electric motor to the already luxurious Lincoln MKZ results in an attractive package. The 2013 Lincoln MKZ Hybrid offers both electric and gas powertrains, which allows it to achieve 45/45 MPG without sacrificing power or comfort. The Verified Owner Reviews on Edmunds indicate that people who own this car love how quiet it is when running on electric power alone. Lexus ES 300h Hybrid The Lexus ES 300h will make you look good while saving money at the gas pump. Rated at 40/39 MPG city/highway by EPA fuel economy estimates, it delivers well above average fuel economy for its class while still offering a refined driving experience with high levels of luxury inside. Plus its price tag should be thousands less than similarly equipped cars like the BMW 5 Series or Mercedes E-Class. Audi A3 The Audi A3 is a great pick among used luxury cars. As far back as the 2016 model year, the Audi A3 comes standard with leather upholstery and heated front seats, along with other popular features like a panoramic sunroof and Bluetooth. The easiest way to get your hands on an A3 is to browse our inventory of used 2016 models (listed below). You can also see what's available by searching for a pre-owned 2017 or 2018 Audi A3. The A3 delivers a smooth ride and agile handling, plus it has one of the roomiest cabins in the subcompact car class. It's practical, too—especially when you consider its 31 mpg combined rating with all-wheel drive (27 mpg combined with front-wheel drive). Reliability for this model is well above average, so you can expect it to deliver years of worry-free service. Audi A4 Audi A4 150 horsepower 5.2-liter V8 engine 5 doors and seating for five adults, plus a spare tire under the trunk floor 0–60 time of 7 seconds 18 mpg city/26 mpg highway for the four-cylinder version, 21/27 mpg for the V8 Lexus RX The Lexus RX is a compact SUV that has been around for years and is always at the top of its class. It is a great choice for those who want a luxury vehicle but don’t want to spend too much money on it. It has a powerful engine that gives you great performance, as well as good fuel economy so you can go further with fewer stops at the pump. Its safety features are top-notch, including advanced airbags and anti-lock brakes that will help protect passengers in case of an accident or collision with another vehicle on the road or pedestrian crossing your path. It also has some really nice interior design elements such as leather seats and wood trim accents throughout the cabin area making it feel like home when you’re driving around town! Mercedes C-Class The Mercedes-Benz C-Class is a midsize luxury car—and yet with its nearly perfect blend of style, comfort and performance, it feels like so much more. The C-Class has a spacious interior with a coddling vibe that makes any trip relaxing and comfortable. It’s also well equipped with features; even the standard model offers things like Bluetooth connectivity and power front seats, but higher trims increase those offerings to include leather upholstery, heated front seats and even satellite radio. There’s also a wide range of engines available for the C-Class to choose from. The base engine is a turbocharged 2.0L four-cylinder engine that provides plenty of power (239 horsepower), while higher trims offer an AMG 4.0L V8 biturbo or even a hybrid setup. The result is plenty of options regardless of what you prefer in your vehicle. BMW 3 Series If you're looking for a true luxury vehicle, the 3 Series has some of the best qualities money can buy. Used models are available as a small car, midsize car, full-size car and compact SUV. The 3 Series is a performance powerhouse in all its body styles. It features precise handling and potent engines that range from 240 horsepower to 300 horsepower depending on model year and body style. If you want to save at the pump, you may want to go with an older model or a used diesel engine option. The sedan's fuel economy numbers sit around 20 mpg in the city and 30 mpg on the highway. Those numbers drop down to 18/28 mpg city/highway for coupe models with all-wheel drive or higher-powered engines. In addition to being fun to drive, this BMW offers an upscale interior with top-notch materials throughout. Also worth noting is that this BMW comes standard with many infotainment features that are optional in some rivals, like Bluetooth connectivity and HD Radio (in later years). The available iDrive controller makes it easy for drivers to navigate menus without taking their eyes off of the road ahead. Acura MDX Acura's MDX is the most powerful and luxurious minivan in the lineup, and it's also one of the most affordable. It may be a bit on the boring side, but it has all the features you need at a reasonable price. The MDX's smooth ride and comfortable cabin will make your next road trip or commute more relaxing than driving behind a shopping cart full of teenagers that hate you. Volvo XC60 The XC60 does it all. With its attractive and comfortable interior, excellent safety features, and 186 horsepower engine delivering a smooth ride, this is the best used luxury car for consumers who want it all. It’s a five-seater with plenty of space and storage in the cabin, plus a generous cargo area to boot. In addition to its high marks for safety, the XC60 has been recognized as one of the most fuel-efficient vehicles on the market. Its highway fuel economy is rated at 24 mpg but critics say you can expect more like 28 mpg if you drive carefully. The vehicle also delivers in standard features: Bluetooth connectivity, power driver's seat adjustment with memory functions, power tailgate, dual climate controls and an HD radio are all included with your purchase. As an added bonus, you can get leather seats at no extra cost! Infiniti QX60 When you're in the market for a luxury car, you know what you want—and the QX60 delivers. At a price that's definitely out of reach for most people, it's no surprise that it has won top-ranking awards from AutoGuide and other publications. But this level of excellence doesn't mean it lacks anything: spacious, comfortable, reliable and dependable are words that will spring to mind when looking at this vehicle. Yes, this is a car that can take you to your holiday destinations without breaking your bank. Yes, it's a vehicle whose performance is up to snuff—even in poor weather conditions. And yes, its styling is an instant turn-on for those who appreciate good looks over all else. To these positives should be added the fact that its infotainment system is more than adequate for the average driver—even if they do wish it had more bells and whistles Lexus GS 350 If you want a luxury car at a more affordable price, the Lexus GS 350 is an excellent choice. The GS 350 is reliable and stylish. It has a sleek exterior but its interior makes it stand out from other luxury sedans. It's available with leather upholstery and heated front seats, as well as a sunroof. The spacious cabin and smooth ride make this car comfortable for long road trips, family vacations or commuting to work or school. The Lexus GS 350 also offers good gas mileage for a sedan of its size. You can expect about 25 mpg in the city and 33 mpg on the highway. This sedan maneuvers easily in snow or rainstorms, making it perfect for driving during all types of weather conditions in all kinds of climates. Cadillac STS V6 RWD / AWD A luxury sedan with a V6 engine and 5-speed automatic transmission, the Cadillac STS V6 RWD / AWD has an MSRP of $46,890. It comes with features such as rear parking assist, leather seats and steering wheel trim, and Bluetooth connectivity. Standard safety features include dual front side-mounted airbags and curtain 1st and 2nd row overhead airbags. You can expect an average fuel economy of 23 mpg combined city/highway. With its smooth handling on highways or winding roads, this car is a great pick for your next used luxury model. There are many good used luxury cars out there. The used luxury car market is a booming one. There are more good used cars on the market than ever. But there are few things to consider when buying a used vehicle in general, and we'll carry that over here. First and foremost, reliability is of prime importance. A luxury car with low mileage but lousy reliability is not much of a bargain; you want something that you can count on to get you wherever you want to go, whenever you want to go there. Fuel efficiency is also important, since repairs on these machines tend to be expensive, and fuel over time can add up as well. Finally, look for safety features such as traction control systems (TCS), electronic stability control (ESC), anti-lock brakes (ABS), and side impact airbags. These will make your driving experience safer overall.

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Where to go in Columbus, OH

icon/user/avatar/20 Created with Sketch. By Wael Hashem

Columbus, Ohio Named after the famous explorer, Columbus, the capital and largest city of Ohio, is a great place for discovery. People who come to this city are amazed by all of the awesome things there are to do and see.One of the most fun things to do in Columbus, Ohio is to go to the North Market. This might be among the largest farmer’s markets you’ve ever come across. It’s one of the biggest points of interest in the city, not only for its size, but also for just how high-quality it is. Whether you’re coming with your family, spouse, friends, or by yourself, you’re bound to find something awesome. If you love football, you should come to Ohio Stadium in Columbus, Ohio. Seeing a weekend game with the beloved Ohio State Buckeyes is a real treat. The fondness that people have for Ohio Stadium is reflected by nicknames such as “The House that Harley built” and “The Horseshoe.” Being near enthusiastic football fans is rarely as fun as it is at Ohio Stadium. This facility holds more than 100,000 people, making it one of the top three biggest football stadiums in the whole country. On a game day, every deck is highlighted in red, with cheering fans wearing their favorite team’s color. Even if you don’t love football, you should be able to have a great experience at Ohio Stadium. The enthusiasm of the fans in Columbus is rivaled by few other cities. You’ll be cheering for the Buckeyes along with them and hopefully figuring out when you can make plans to return for another game. Easton Town Center Tourist attractions rarely get as good as Easton Town Center in Columbus, Ohio. It opened in 1999 and has since become one of the coolest places to go shopping in all of the midwest. There’s so much great stuff to do when you visit Easton Town Center. The design of Easton Town Center makes it unlike many shopping complexes. It’s made to look like old-fashioned cities, which gives it a distinct sense of charm. As you browse stores like Barnes & Noble and Abercrombie & Fitch, you can appreciate just how much thought has gone into this whole Columbus complex. In addition to shopping, you can also try great food from all sorts of cuisine types and enjoy comedy performances. Easton Town Center is one of Columbus’ greatest attractions for how much wonder it combines. If you’re planning a date with your spouse or another loved one, check out Easton Town Center.

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Car finance 101 : Everything You Need to Know

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Car finance 101 : Everything You Need to Know Financing Basics Buying or leasing a car can be one of the largest financial decisions you make. Finding the right vehicle and payment plan that best fits your budget is essential to making the right choice. Financing your new vehicle sounds complicated, but we're here to help by answering all of your questions, so you can make an informed decision that makes sense for you. Auto Finance Terminology With car financing, things are a little bit more complicated than they are with home mortgages. This section is intended to be a quick and dirty primer on lump sums of money, interest rates, and automobile finance. #1) What is a finance contract? A finance contract is the legal document that outlines how you will repay your debt. It's not as simple as asking for the amount of money you want to borrow and paying it back in a certain time period, however; there are fees involved like administration fees and origination fees that often make this sort of thing costlier. #2) How does interest work? Interest is the amount charged on an amount borrowed by the bank in exchange for giving them money. If you lend $1000 at 5% (an APR of 5%), your bank will deduct $5 from your loan every month until repayment date plus 1 day after that date until they have received all you owe them. The APR would be applied over this term as well, meaning if you pay off the loan at 12 months, there would be no further interest charges (hence no APR). #3) What is an "interest rate lock"? An interest rate lock provides protection against variable interest rates with an adjustable cap. You can adjust either up or down when going over a specific dollar limit set by the lender before it locks in at its current rate from then on out (exact wording may vary). In other words, if you go over the cap by $10 each month before locking, it's locked at 6%, but if you go over by $10 each month after locking and before repaying your balance in full (or something similar), it will reset to 6% instead so long as your payment goes under that cap for some length of time first. The Cost of Financing a Car Loan When the time comes to make the final decision on how you want to finance your new car, it helps to understand what's involved. There are things you'll want to know before you go shopping for a loan, and there are some things that could affect your choice of auto financing. Down payment. It's possible that you could become obligated to pay additional money if you don't have enough cash available at the time of purchase. This money usually has to be paid during the term of the loan, which is a maximum of 60 months (about five years). However, there is no penalty for paying off a car in less than five years; this is known as equity release and it's an option available if necessary. Interest rate. Your interest rate covers all expenses associated with your loan, including interest that accrues throughout the term of your loan and also includes any capitalized interest (the amount of money you would have earned if your vehicle had been put up for sale beforehand). The lower your interest rate, the more comfortable you will likely be with what will happen after your term expires—most people would rather pay less than more in interest over time. Term length."You can select from different loan terms ranging from three to 60 months," says Jim Roche, vice president at Focus Auto Finance Centre in Dartmouth, N.S., "On an effective-interest basis ," he explains,"you actually get a slightly better deal by going longer." How Do You Finance a Car? There are a few options when it comes to financing your vehicle purchase: A bank or credit union. If you’ve been with your same bank for years and have an established relationship, this is one of the easiest ways to get a car loan. Just make sure you shop around first, because you may be able to find more favorable terms elsewhere. An online lender. Online lenders can offer some of the most competitive rates on car loans, and they often don't require any money down on your part. Just make sure that you read reviews and check out the company's website before applying: there are scams out there. A dealership's finance department. Dealerships typically have several different financiers (banks or credit unions) that they work with directly, so they'll shop around on your behalf to get the best rates available - which can help save you time while still getting great rates! What Does it Mean to Finance a Car? A car loan is a form of credit that enables you to get the car you want now and pay for it over time. Instead of paying the full amount upfront, you'll pay back the purchase price of your vehicle in monthly installments. You may have to pay interest on your loan depending on how much credit you're given, but this is fairly typical when financing a major purchase such as a car. At some point, your car loan will be paid off and you'll own the car outright. What is the loan-to-value ratio? Your loan-to-value ratio is calculated by dividing the amount you want to borrow by the value of your car. The LTV for most loans is 100%. Because a used car’s value is lower than that of a new vehicle, your LTV will be higher. Your LTV also increases if you put little or no money down. A low LTV can help you qualify for a lower interest rate because less money needs to be borrowed and the risk to the lender is reduced. A low LTV can also help you avoid private mortgage insurance if you don’t have enough cash on hand for a 20% down payment or more. What Are the Terms and Conditions of an Auto Loan? The number one most important thing you can do when you're shopping for a car is to get a pre-approved auto loan. The difference between getting a loan with an approved credit score, and one without approved credit score, can be everything. Without an approved credit score, your interest rate will be higher, the terms of your loan may have fewer options, and you won't be able to choose which payment options are best for you. In this guide I'll explain every detail about auto loans so that you know exactly what you need to know before signing on the dotted line. What Documents Do You Need to Finance a Car? Most lenders will also want to see proof of income and a few other documents. You'll need: Proof of your current income. This could be two different things depending on the lender or their requirements. If you're just starting out, you'll likely want to show your most recent pay stubs, which should be for at least three months. Don't worry about showing more than that (unless the employer is giving raises). If you're going on vacation for a while, it's not terribly important to have this document dated (but it may still be helpful if you go on vacation fairly frequently). If they ask, show proof of your current/recent residency/residency history and address (utility bills, etc.) Showing proof of insurance and tax info is optional but recommended by many lenders. All this means is that you have responsibility insurance in case something happens to your vehicle while it's in the shop and that we can prove a connection between us and our insurance company; i.e., we're not trying to hide something from them by claiming not to live here or use our vehicle here. The data could come from whatever source; it doesn't matter if it's from an online subscription service like mylarprinting@gmail.*com* or something homemade like a printed form with stamps or copies of utility bills attached at home or work.* A representative can usually give the lender more information about the type of coverage you have so there's no reason why they wouldn't get what they ask for just because their requested information isn't readily available online! How To Calculate Your Vehicle Payment Start with the car's price, then use the following formula to calculate your monthly payment: L = P [r(1+r)^n]/[(1+r)^n-1] L = loan amount (principal plus interest) P = principal or car price you wish to finance r = monthly interest rate (annual percentage rate divided by 12 months). If the APR is 5 percent, your monthly interest rate would be 0.004167 (0.05/12=0.004167). n = number of payments until you are debt free How to Build Credit After Bankruptcy, Repossession, or Foreclosure If you've filed for bankruptcy, had your car or home repossessed, or are in the process of foreclosure, it's time to take steps to repair your credit. For many people, a car loan is the first step toward rebuilding their credit history. However, if you're looking for a car loan with bad credit after bankruptcy or other negative financial issues on your credit report, you might not know where to start. Here are 6 tips that can help. Focus on paying off debt. Make all payments on time. Get a secured credit card. Become an authorized user on an established account (to increase length of positive payment history on your report). Use a small amount of available credit each month (to demonstrate that you can use debt responsibly and make payments). Don't apply for too many cards at once (because this will negatively affect your score). Bad Credit Auto Loans 101 Simply put, bad credit auto loans are loans for people with poor credit. If you’re asking “what is a bad credit car loan,” then you probably have poor or no credit. These loans are often secured, meaning that the lender has some collateral—in this case your car—that they can take and sell if you don’t pay back the loan. However, there are several important things to know about bad credit auto loans before agreeing to one: Bad credit auto loans often have higher interest rates than regular car loans. This is to help offset the risk of loaning money to someone who doesn’t always pay their bills on time. Bad credit auto loans also typically require smaller down payments and have lower loan-to-value ratios (LTV). This means that if you get a bad credit car loan for $10,000 at an LTV of 80%, then your vehicle must be worth at least $12,500 (80% of $12,500 = $10,000). Keep in mind that when it comes to buying cars with cash or financing them through an auto loan or lease—the Residual Value matters a lot! Ready to finance your first car? Learn everything you need to know about auto financing with this guide. In your life, you’ve probably had to finance many things: a cell phone payment plan, a student loan, rent or a mortgage. But what about financing or leasing a vehicle? You may not know where to start. That’s why we created this guide—to answer all of your car financing questions and explain exactly how the process works so you can get into the driver’s seat as quickly and easily as possible. To get started, take our quiz below to find out if you should lease or buy your next vehicle. Then keep reading for more information on car loans and auto refinancing as well as tips on how to save money during each step of the car-buying process.

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Buy used car hassle free

Buy used car
icon/user/avatar/20 Created with Sketch. By Buying Used Cars

  How to Buy a Car hassle free Shopping for a car can be very complicated process for first time buyers, time consuming process in the best of times for used car buyers, and there are even more things to consider as car shoppers and dealers alike adjust to buying and selling in a new normal. although selling your car or trade it could be causing you the same effort to get you highest bid for your used car. Even so, there are still some right and wrong steps you should take when buying a car as well as a few new ones to consider to ensure you get the right car for you, and get the best value of your trade while you look up used cars near me, or quality used cars, at the right price and in a safe manner. 1: How Much monthly Payments can I afford?   Thinking about a car purchase can be overwhelming, especially if you want to buy brand new or your credit score isn’t matching the banks requirements to qualify for the best rate to finance your new or used car. But often, it’s a matter of perspective. To give you a better idea of how much car you can afford, you can use an affordability or mortgage calculator. These calculators let you input how much you can pay each month, and give and indicator for how much you can afford to spend on a car. However, don’t get lost in the numbers. While it’s important to make sure you can afford the payments, it’s also important to factor in how much your insurance might cost based on your driving records, also your fuel costs will be, and more. Remember, don’t spend more than around 15% of your monthly income on a car based on the lenders calculation average nationwide that customers can allow themselves that much to spend on a car payments with low interest rate for car financing . finding used car in a clean condition is a big factor for some shoppers, and the thought of a brand-new, unused vehicle may be even more appealing right now with extra attention on cleanliness but the cheap prices is high attraction for more car buyers in the market when they are trying to save money. The peace of mind that comes with a used-car warranty is another big selling point, also new cars have their financial downsides as depreciation comes as a big factor for the cost of the ownership; besides being more expensive than used or certified used cars models, a new car will lose more of its value the moment you drive it off the lot.  If you’re uncomfortable dealing with the unknowns privet owners that come with shopping for a used car, a CPO model or warrantied cars can take some of the uncertainty out of the process; CPO models typically come with a limited warranty and have undergone an inspection process which you always can buy an extended service agreement from your used cars dealer near you. Just be sure any CPO car you’re considering has been certified by qualified dealer warranty program to get the benefits of secure buying process .  Leasing is another way to drive a new car, but a lease considered a long term car rental if this is what you looking for to do; leases normally last around 36 to 48 months with miles limited to 15000 miles/year, and it can go up per mile when you return the car to the dealer who leased the car for you and at the end of the lease you return the car. Leasing is a way to keep your monthly payments low and still get a new car every few years, but it can be one of the more expensive ways to operate a vehicle because you never end up owning what you’re driving like you would at the end of a traditional car loan. If you won’t be paying cash for a car, it’s important to shop for financing before you step into a dealership or make sure your dealer shop for the best rate for you. Your local bank or credit union is a good place to start, and having loan terms in hand when you go to a dealer allows you to compare it with the dealership’s financing offer and choose the one that’s best for you.  interest rates will be based on your credit score and the lower the score the higher the rate will be. At the end vehicle discounts and special cash back from new or used car dealers can play a big role in the final price of a car particularly new cars, which tend to have the biggest discounts. There are many types of incentives including cash discounts, subsidized financing from our dealer’ lending arms and discounts for certain groups like military personnel. There are also direct-to-dealer wholesale that can decrease what you end up paying for a car — if you know about them.  More Budget and Financing Information From 2: What used car Should I Buy?   Now that you know how much you can comfortably spend, it’s time to think about what type of car is right for you. There are different ways to do this, but one of the most effective methods is to consider how your new vehicle will be used and the needs it’ll have to meet. Do you have a few kids and need room for them and all their stuff? Are you looking for a car that’s reasonably comfortable and efficient for the daily commute? Or do you need a vehicle that can comfortably tow a camper?  Certain needs and uses, like seating for seven and over 6,000 pound of towing capacity with a tow hitch, will immediately lower the amount of vehicles you have to consider while others may still leave you with handful of choices. No matter whether your list is long or short, you can get a little extra closer to narrow it to a handful of cars that might be right for you. so you could always search by body style like ford escape, Honda crv, Toyota Rav-4, Ford Edge, bmw x3 and x5 not to menshion Lexus RX, lexus GX, jaguar, tesla as ev car, or if you looking for trucks ford f-150, Chevrolet Silverado, GMC Sierra for tuck used. so SUV or cars or trucks it will be always available as certified pre owned and just used trucks or used SUV and you always can buy extended warraties on this quality used cars, even if you search for cars for sale that will get you a great results to find a good quality used cars in any city near you like Columbus, Ohio, Dublin, Westerville, Canal Winchester. Reading expert car reviews and watching video reviews and virtual test drives is a great way to learn about a car from the comfort of your couch, and’s multicar comparison tests will show you how a whole class of vehicles, like compact SUVs, stack up against each other. Consumer reviews can offer additional insights, too. If you’re more interested in features-for-the-money, a specs comparison will show you multiple models’ features, side by side.  We also recommend consulting a crash-test information source, like the Insurance Institute for Highway Safety, to see how the vehicles you’re considering have fared in standardized crash tests. And if you have young children,’s Car Seat Checks grade how well child-safety seats fit in different cars. Regardless of how long you plan on keeping your new or used car, it’s also advisable to study, where available, its reliability history.  Once you have a handful of possible models available at used cars dealerships there’s one more step to take — talking to your insurance company — before starting your car search. This is important so you know how much each car you’re considering would cost to insure, as monthly premiums can vary considerably.    3: Where Do I Find my used cars online?   Internet is a very powerful tool for finding a used vehicle online. With the ability to filter by features, dealer ratings, and home delivery, it helps you quickly find what you want. And with pricing analysis built into the listings of most of the website analysis for used cars prices it will always help you to find the most suitable deal for your budget, you can see how a model’s price compares to similar vehicles in the same market, thanks to nada book and KBB, Carfax for having the used cars pricing tools online available for you. as a consumer you will be looking for one of this three grades of pricing and it will be always based on your personal choices of quality or the used car, SUV, Truck you shopping for. Great Deal for The vehicle is priced extremely competitively. Good Deal for The vehicle is priced competitively. Fair Price for The vehicle is priced similarly to comparable vehicles.   4: Whom Should I Buy my new or used cars From?   Once you’ve found a few vehicles that interest you, it’s time to research the dealers selling them. In some communities, there may only be one dealership for miles that has the car you want, but shoppers in more urban areas will likely find many dealers from which to choose.  So how can you tell which dealership is right for you? For one, you can check out customer reviews to see how the dealership responds (or doesn't) to customer service and see how the dealership responds (or doesn't) to customer complaints.   5: buy used cars online safe? As and educated buyer this days you will have the tools to verify your quality and dependability, reliability of the used cars you are in shopping for. used cars varies in the condition and maintenance been done to them. you can always start with asking the service records for the used truck or used suv from your dealer. you also can check or ask for the Carfax or Autocheck for the dealer near you. search used car listings and narrow down the choices either for buy used car near me or lease a used car near me. the vehicle listings always available for online car shopping 24-hours test drive dealers offer this days. living in Seattle WA or san Francisco, Columbus OH, Dublin, Westerville, Delaware, New York all the way to California passing by any states in the middle, all cars direct online available for car buyer for great used cars prices in your palm. start your search for used cars online but don't buy unless you visit your local quality used cars near you and physically check your used car yourself or hire a good technician to check the used truck you buying. for example search for high quality used car dealer near me and you will be able to find someone close to test drive the used vehicle you like to own. ask for specials and ask for discounted used cars trucks suv and compare prices. Craigslist is another source for used cars. Facebook market place also became a high quality used cars market place. do your home work to save money on used cars.   6: sell my car online or trade my car or truck?   car dealers this days looking to buy your car if you want to sell your car for cash. The used car dealer pay most of the money for used cars, used suv, used truck, due to the short of the inventory. websites advertise to buy any car for cash. so you can sell your used car for cash on the spot. Or get your trade value and price your trade or sell it yourself and save your money or make money on cars this days. so as used car buyer shopping for used cars in Ohio, Kentucky, West Virginia, Indiana, or even in the big cities like Cincinnati or Cleveland, Indianapolis, Dayton, New York city or any where in the united states or Canada. shopping online to sell used cars is easy to get and done.   Dealers sell plenty of used cars, but private sellers are another good source of them, but you don't get the shopping experience or extended warranties for pre owned vehicles just in case you have issues with the used car you buy from you local used or new car dealer near you. Also the auto service could be very high expenses if you buy used luxury cars like BMW, Mercedes, Lexus, Jaguar, Land rover, and the cost of repairs can be less if you buying economy used cars reliable used cars like Honda, Toyota, Nissan, Mitsubishi, Subaru.   At the end of the shopping process you should do you home work looking for the quality used car dealer near you, offer service for cars, offer warranty and offer exceptional finance service for your auto loan and have guaranteed approval for low rate when you have good credit and if you have bankruptcy or bad credit auto finance need at the time you buying any used car, used truck, used SUV.

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Parks in Columbus Ohio for outdoor recreation

Recreational Activites
icon/user/avatar/20 Created with Sketch. By Ohio Attraction

5800 Olentangy River Rd. Columbus, OH 43085 Antrim Lake has been stocked Antrim is a nearly 120 acre park surrounded by a quarried lake and the Olentangy Greenway Trail , great for running, walking, biking or skating. Antrim Park is a popular place for fishing, which can be done off the banks or from the large accessible dock. The lake is stocked once a year with Rainbow Trout by the Ohio Department of Natural Resources. No boats or swimming are permitted in the lake however. Antrim Park was acquired in 1970 as a gift from the Antrim family and dedicated to John C. Antrim. Mr. Antrim was the owner of the Olentangy Corporation that quarried the property. Park Hours: 7 a.m. - 11 p.m. Features 122.6  Acres Facilities Athletic Fields - Soccer Athletic Fields - Football Athletic Fields - Rugby Basketball Court Greenway Trail Access Playground Shelterhouse Reservable Tennis Court Lighted Walking Trail Woods & Wildlife Area Trail Head

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