If you are shopping for a new car, you have to decide whether you want to buy or lease. The first step is to figure out whether you are buying a new or used vehicle.
Lease or Finance – What’s the Difference?
Both leasing and financing a car will give you access to a vehicle and provide the ability to use it in return for a monthly payment. Leasing a car means paying to use a vehicle for a longer period of time but its ownership will remain in the hands of the lessor. Financing, on the other hand, is the process of paying monthly fees to pay off the vehicle, leading to total ownership of the car after it is paid off.
What You Should Know: Leasing a Car
Tuition fees have jumped in the recent years and it is expected that they will continue growing. If you plan to send a child (or children) to college, chances are, you are concerned about how you are going to afford it.
Here are our tips and suggestions to help you fund college on a budget.
Find out what it will cost and start saving
The first step is to find out how much it will cost you to send your child to college. Basically, that depends on the age of your kid. Tuition fees rise every year, so the younger your child is, the higher the amount you need to pay will be. This, however, also means that you have more time to save.
When buying a car, remember to look beyond the sticker price. Owning a car is much more than simply purchasing it. Consider maintenance cost, insurance, taxes, registration fees, fuel economy, and standard features. If you are looking for a car that is cheap to own, paying a bit higher initial price may be worth it in the long run.
Kelly Blue Book (KBB) researches and keeps track of all vehicle ownership costs and publishes its 5-Year Cost to Own Awards annually. They calculate how much it costs to own a given car over a period of five years in 22 different categories. Based on this research, we present you the top 5 cheapest-to-own vehicles for 2018.
Chevrolet Spark was ranked number one by KBB in the category: Subcompact Car with KBB 5-year cost to own: $21,819. Its initial price ranges from $13,...Read More
Tags: cargo area, fuel economy
Long Beach, California is known for its beautiful views, amazing seafood, and a gigantic aquarium. A top tourist destination, Long Beach is perfect for exploring different cultures and is a great choice for both tourists looking to enjoy the beauty of their vacation destination and for those who are after a good party and a crazy nightlife experience while on vacation.
Here are a few exciting nightlife experiences to try in Long Beach CA:
Top Rated Bars and Clubs to Try
- The Blind Donkey is the whiskey lovers heaven! Whether you like your drink on the rocks or as a cocktail, the Whiskey options here are endless!
- The Federal Bar will host you with live music during the weekend...Read More
Tags: Long Beach, nightlife, tourists, vacation
Buying a new car is exciting but remember that it is an investment. Aside from insuring your investment, you need to consider the warranty coverage. Although the car may be brand new, there is no certainty that its condition will remain as perfect as it is at the time of purchase or that you won’t require repair.
Manufacturer warranties are available with most car producers to cover the costs of a number of repairs, but they include specific limitations. Here is what you can expect from your manufacturer warranty!
Manufacturer Warranty Coverage
The standard manufacturer warranty (aka the powertrain warranty) will guarantee that the manufacturer will cover expenses related to repairs or defects on major components (like the engine and transmission) over an allocated time period.
Usually, the coverage will be documented with a time and mileage limit. For most manufacturers, the warranty will be active ...Read More
Tags: extended warranty, powertrain warranty, warranty coverage
If you are living in California, you are paying one of the highest costs of living in the USA. Your vacation in the Golden State, however, doesn't have to cost you that much. There are numerous scenic places to visit– all close to home. There are several options depending on the type of vacation that you prefer. You can go on a road trip and enjoy many attractions while camping or staying at cabins for the night.
You can choose a popular destination and find a nice hotel and delight in the surrounding beauty without hurting your budget.
Managing your money while on a road trip
Some of the most iconic road trips are in California, so get your car ready and hit the road. There are many scenic drives that await you and lots of entertainment at affordable prices.
Tags: finances, road trip, vacations
The road trip is usually an anticipated adventure for the entire family. It can be easily ruined, however, if your car misbehaves on the road or if you experience a car accident. This can be avoided if you prepare your car for the road trip. Don't let your dream holiday turn into a disaster. Here’s how to gear up for the trip.
Start with an inspection
The first thing to do prior to setting off on a road trip is to inspect your car. It is advisable to have a mechanic check everything and give you an “a-OK”. If you decide to do it yourself, make sure to have a look at these:
- Tires – they are a very important part of the trip. So, make sure that you have the appropriate tires for the season, that they are in a good condition, with proper pressure and are not worn out
- Fluids – check, and refill or replace all the fluids in ...Read More
Tags: car maintenance, road trip, survival kit, travel
Car insurance is an important asset to protect you financially. All states but New Hampshire require car owners to show that they are financially able to cover liability costs and most states require a car insurance as a proof. In New Hampshire, the driver is required to prove their financial ability after an accident occurs.
The car insurance offers three main areas of coverage:
- Property coverage that pays for damages to the car or theft;
- Liability coverage guarantees the legal responsibility of the policy owner to pay for bodily injury or property damage to the other party in the accident;
- Medical coverage is for costs incurred after treating injuries, rehabilitation or in the case of death – for funeral expenses.
Actually, there are six types of auto insurance coverages, some of which are required, while others are optional. There are some extras as well, that the car owner can select. Below, you can see more details about the different coverag...Read More
Tags: car insurance, deductible, financial ability, insurance company, insurance coverages, Loan, policyholder, reimburse
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