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Saturday, August 30, 2008

Top 10 Reasons to Buy a Used Car vs a New Car

Buying a used car is a great way to save some money and still get the car you've been searching for. Whether you're constrained by your pocketbook or have certain automotive needs that must be met (such as a backseat for the kids or four-wheel drive for winter weather), today's used car options deliver almost everything new cars do and at a lower overall cost.

1. Depreciation

The second you drive a new car off the lot, its value depreciates by as much as 20 percent. Studies show that most cars are only worth 60 to 70 percent of their original value three years after their purchase. When you buy a used car, all the depreciation has already been absorbed by the original owner.

2. No Overpriced Dealer Repairs

When you purchase certain makes and models of new cars, the parts covered under warranty aren't valid if you use your own mechanic. In these instances, your only choice is to return to the dealership to get your repairs done. This is basically the dealership's way of getting you into their shops with their overpriced service. When you buy a used car, you can get repairs done on your own terms.

3. Save Money

Buying used cars whether you are buying from a used car dealership, car classifieds, or online sites like Craigslist simply costs less money than buying new. New cars run an average of $25,000, while used cars are closer to the $10,000 range. If you're buying from a private seller, you might even be able to haggle the price down or barter to keep costs low.

4. Save the Planet

While buying a hybrid car might seem like a great way to go green, it actually takes more energy to build a new hybrid than it does to buy a fuel-efficient used car. Every time a hybrid comes off the assembly line, it takes about 46,000 miles of driving before the car breaks even in the amount of energy it saves through fuel efficiency. Buying a used car in the first place as long as it's not a gas guzzler will actually reduce your carbon footprint.

5. Lower Car Insurance Rates

Car insurance rates are higher for new cars than they are for used cars. The reasons are simple: new cars are more likely to be financed (and therefore need full coverage), and annual insurance rates can run as high as 20 percent of a car's sticker price. Buying a newer, more expensive model can end up costing you money for years.

6. Higher Used Car Standards

Thanks to new lemon laws and auto history check websites, it has become easier than ever to determine if a used car has undergone any major damage. Some used car dealerships also offer used car certification, which guarantees that they have been looked over and approved by a qualified mechanic.

7. Avoiding Car Dealerships

When buying a used car, you have a number of places to look. You can peruse car classifieds, visit eBay or Craigslist, or opt for a used car dealership. New cars typically only come from one place - the dealer - so you have limited options when it comes to salesmen and haggling over prices.

8. Finding Good Deals

Owners of new cars can be a pretty finicky set. Many people turn over their cars after one or two years simply as a matter of course, while others may decide that the monthly payments are too high to continue. If you take the time to look for quality used cars, you might find some incredibly good deals from individuals who are motivated to sell.

9. More Bang for Your Buck

When you drive a new car straight off the lot, you typically pay for every added feature. When you upgrade to include a sunroof, tinted windows, and a spoiler, you can leave with a total price thousands of dollars higher than the sticker price. Used cars with these same amenities might cost a little more than those without, but not nearly to the same extent.

10. Used Cars can be just as Reliable if carefully inspected

Although buying a new car may seem like a more responsible choice, no car purchase is guaranteed to be hassle-free. Factory recalls, faulty parts, and required maintanence repairs can occur just as easily in a new car as they can in a used car. As long as you have your used car purchase checked out and you take good care of it, the overall reliability of your car can be just as good as a new car. Further, cars have also become more reliable with advances in technology.

Buying a car - regardless of whether you choose new or used - is a major endeavor that can put a strain on your finances for years. Fortunately, most of the benefits of buying a used car have to do with money. As long as you take your time, evaluate your prospective purchases, and have a mechanic check out the used car before you buy it, you and your used car can spend many happy years together.

Wednesday, August 27, 2008

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Monday, August 25, 2008

Credit Card Reviews

I have never thought to apply for a credit card online before so I have about seven referrals a week in regular mail, I would say is "pre-approved" for this card, or as one. But what about those unfortunate people who can not cope with all these offers of credit cards in the mail? What are they doing? I assume that if they were looking for credit cards, they could use a site such as the one I look over at this time. It is actually a pretty smart idea. The company is called your credit network, and they started as a public site for information on credit cards, their offerings and overall financial planning. I guess the place was successful enough that now they offer a feature where users can search for the latest and best credit card offers and apply online.

It does not look as if the facility was meant (it is not now) to make money from the applicant. The aim is to provide comprehensive information for people researching the different credit cards. What I liked best about the site where their facilitate navigation and how they broke down the various sections. A user can search for information about: low-interest credit cards, instant approval credit cards, cards that offer frequent flyer programs, or cards for people who may have no credit history or a history of bad credit. And they give priority to those with a particular algorithm and is based on comments from users. It seems to be quite a useful site for anyone who researched their options on credit cards.

Car Insurance Rates

The Auto Insurance is also a form of a business that is flourishing tremendously. An insurance company earns revenue by selling out some strategies and betting that you do not have to pay for it. The bank on the risk that no matter what the damage is, it can never become a big claim. So from that context, the companies are mostly in profit.

The higher auto insurance company the more prepared they are to provide insurance at a lower rate. The reverse is not required to be true, and lower insurance rates may also be obtained from the less well-known companies. The smaller insurance companies must do so to keep up with the pioneers of the business or else they would lose customers easily and that they will lose a deal.

The lesser-known companies that do not provide reimbursement for rental cars or roadside assistance. But while we do not have to pay for them either. On the other hand, the bigger names to show that these additional features are provided free of charge, but the reality is we pay for them at the same time as payments of premiums car insurance.

So when approaching an auto insurance company to ensure that additional be removed before, and you are prepared for all the hidden claws that can trap you.

Sunday, July 20, 2008

Finding a Good Book Agent

So finally you have finished writing the book for which you toiled hard and just like your newborn, is very close to your heart? And you thought that you have crossed the biggest hurdle? Well now comes the tougher part, which is to get your book printed and making it see the light of the day. For this, you would need the services of a book agent. Not only any book agent, but also someone who is good at his work. There are many kinds of literary agents and hence you have to be careful with who you choose to represent you.

To start with, do a background search on the area of specialization of the book agents. This is important since some agents work with fiction, some specialize in poetry whereas other love technical titles. Once you identify a list of agents who deal in your area of work, you would need to zero down on someone who can ensure that your interests are protected. This is difficult since finding agents who know their jobs is very difficult. It is almost like searching for a needle in a haystack. Do not be surprised if you keep bumping into scammers disguised as book agents. Though people like these are available in plenty, they are in it only for themselves and can be really terrible at their job.

A good book agent knows his job well, probably would have learnt it by working for some other reputed agent. That would have helped him learn the tricks of the trade by talking independently to the publishers as well as the authors. He would have the gone ahead and set up his own business. These agents toil hard and will be on your side without ever asking you for any monetary benefits. They will also do things like editing your books free of cost.

However, if you land up with a scammer, you will find that he will send you a bill even before the book hit the shelves. This is something that a genuine agent will not do. Once your book starts selling, he gets his money as a share of the amount you get from the proceeds. This can be a real-time filter of isolating a scammer from a genuine agent. Also, a scammer will make you get your revisions and editing done by a third party though it is supposed to be done by him for free. They are book agents after all and it is imperative that they should have editing skills.

In a nutshell, ensure that you do a thorough research on book agents. You should feel comfortable with them right through. However, if you feel that something is not right, switch to another one at the first opportunity. Do not panic if you find yourself doing this often since it is important that you are working with the right person. After all it is a question of making your dream come true!

The Greatest Invention In History

Before we get to what is the greatest invention in the history of the world, we should visit Germany in 1447. In that time, a goldsmith and printer, Johannes Gutenberg, created the Gutenberg printing press. This technology spread like wildfire throughout Europe and then on to the rest of the world.

The impact of it is comparable to the invention of the alphabet and the development of writing.

Prior to the printing of books on a massive scale, books were painstakingly copied. This resulted in both fewer books and also more inaccurate books, because the copying of the original changed from one version to the next. In addition, since in Europe, Latin was the language of scholars, only a small population could even read them. When books were printed, popular European vernaculars were used to communicate to a wider audience.

Our next evolutionary leap was creating a medium of instant publication and a worldwide audience. This is the World Wide Web.

It may be as significant a leap in the consciousness of humankind as was Albert Einstein's revolutionary reinterpretation of the Universe. Despite the brilliance of Isaac Newton's work, the new theory of the Universe changed the consciousness of humankind forever.

The World Wide Web may very well be the greatest invention in history. Tim Berners-Lee has invented something that reminds one of a multifaceted diamond. When you look at each face, you discover a new reality.

One face of the World Wide Web is like The Glass Bead Game.

In his Nobel Prize winning novel, Magister Ludi, The Glass Bead Game, Hermann Hesse defined the nature of knowledge and intelligence in a beautiful metaphor. He described it as a game where pieces were played on a board.

"The Glass Bead Game is a mode of playing with the total contents and values of our culture. All the insights, noble thoughts and works of art that the human race has produced in its creative eras, all that subsequent periods of scholarly study have reduced to concept and converted into intellectual values, the Glass Bead Game player plays like an organist on an organ."

Like the Glass Bead Game, the World Wide Web ranges over the entire intellectual cosmos.

Another face of the World Wide Web is like the marketplace of Ancient Athens.
Here democracy evolved in its purest state. People talked to each other, shared information, challenged points-of-view, and understood each other. This informal gathering of thinkers birthed
one of the most significant early cultures of the Western World.

Because there are so many contributors to the World Wide Web, neither governments nor corporations nor media organizations have much control over it. Blogging, especially, has evolved to a place where absolute candor is possible. In addition, writers are free to wax eloquent in their pdf or exe files without waiting for somebody to approve the marketability of their ideas. Discussion groups for everything under the sun exist. Then there are the social networking websites, like You Tube and others, where all kinds of opinions are expressed through videos. Never in the history of humanity has it been possible for the common man or woman to speak their mind to so many people in complete freedom.

Another face of the World Wide Web is like The Great Books of the Western World series.

The quintessence of the value of that series has been captured by the original associate editor, the late Mortimer Adler.

He said that to read them was to be involved in a great conversation because it was like
"authors sitting around a table in the same room--totally oblivious to the circumstances of their own time, place and diversity of tongues--confronting each other in agreement, disagreement or otherwise differing about what they have to say on the subject. The sessions of the conference thus imagined would take many days, months, perhaps even years, for it would cover the whole range of ideas and issues that are the objects and concerns of human understanding, always and everywhere."

As you surf from one website to another, from one discussion board to another, or as you communicate instantly by email, is this not like a great conversation that informs your mind and feeds your soul?

Finally, another face of the World Wide Web is like A Global Brain.

Philosophers from Plato to Aristotle, from Thomas Aquinas to Herbert Spencer have always considered knowledge to be a unity, where everything is potentially connectable to everything else. The human brain is a powerhouse of networks of infinite complexity, where every neuron has the potentiality to connect with every other. Similarly, knowledge itself, as described by writer James Burke, is "a gigantic and ever-growing sphere in space and time, made up of millions of interconnecting, crisscrossing pathways."

Knowledge has never been so linked together as it is now on the World Wide Web.

The World Wide Web is growing organically, like a great shout of unity across the world. Perhaps each day, we who use it, are reinventing the freedom of speech that once existed in ancient Athens, a freedom which will lead to a whole new world of creativity for everyone.

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Wednesday, July 16, 2008

Easy Payday General Blog

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