Every year around this time I begin to get really anxious for two reasons. I am going to have to try to think up things that I “want” and I will have to try to figure out what other people “want” for presents. Normally you would think it would be easy to accomplish these two, seemingly simple tasks, but as I have gotten older, I am finding it increasingly difficult.

At my age, when I want most things I buy them for myself. I am no longer an influencer of purchases as I was when I was younger, I am the … Continue Reading

When I was purchasing my home, it quickly became apparent that I had to put down a deposit, otherwise known as earnest money.  The deposit is to show that you are serious about buying the home. The amount of deposit required varies from market to market and across the country.  In some places it’s as little as $500.00 or as much as 3% of the purchase price.  As a buyer, I learned that your goal is to put down as little as possible for a variety of reasons, but as a seller you should try to get the largest deposit … Continue Reading

So you bought your new car and didn’t have much time to research financing.  You get home and do some checking to see if you got a good deal or not and you discover you could have gotten a better interest rate from another financial institution.  You now find yourself upset and mad over the fact you could be paying less for your new car.  Another situation you may find yourself in is you bought gap coverage or an extended warranty and either decide you don’t want anymore or found it cheaper somewhere else.  The initial thought running through your … Continue Reading

Much like gap coverage in my previous post, extended warranties are another item delears will try to sell you when you sit down to sign the final papers.  You may find that an extended warranty is important to you and would like to buy one, but one of your many car buying questions will be, “should I buy it from the dealer.”  If you do not need to finance the extended warranty and can pay for it out of pocket, then the answer to that question is no you should not buy it from the dealer.  Generally dealers will charge … Continue Reading

If you are in the market to buy a new car and you are like most people and will be getting a loan, one thing to consider getting is Gap Coverage or Gap Insurance.  When you purchase a new car and you drive it off the lot the value of the car significantly depreciates.  If you were to get into an accident driving it off the lot and it was classified as total loss then you could potentially be out thousands of dollars.  Since the value of your car is less than the amount you financed, you would be expected … Continue Reading

There are so many car buying questions that may run through your head when you go to purchase a new car.  Hopefully this post will answer any questions you may have about getting the best price on a new car.  I just recently had to purchase a new car and I was dreading the whole car buying experience, however this car buying process was much different for me than the past due to a major discovery on my part, dealer internet pricing.  I narrowed my car choice down to one and began searching different dealer’s inventory.  I came across a … Continue Reading