Buying a Used Car? Buy Certified

I don’t know about you, but purchasing a used vehicle always makes me a bit nervous. . Especially if you are taking out a loan for it. You never really know what could go wrong, or when. That’s why when I do buy a vehicle, I make sure that it’s certified by the dealership to give me a bit of peace of mind.

So here’s what you get when you go ‘certified’ when buying a used vehicle.

Multi-Point Inspection. Exhaustive mechanical and appearance inspection to ensure that each vehicle meets that particular manufacturers standards – for example, with Honda they have a Honda-trained tech scrutinize all major vehicle systems, including the brakes, engine, drive train, steering, suspension, tires, wheels, exhaust system and the vehicles interior and exterior. They recondition any component that doesn’t meet their standards – and any area that can’t be reconditioned is replaced with Genuine Honda parts.

Warranty. With Honda Certified Used Cars they are backed by one of the most extensive warranties in the business. Each vehicle enjoys a minimum of 12 months/12,000 miles non-power train equipment coverage and up to 7 years/ 100,000 miles for powertrain coverage, all with ZERO DEDUCTIBLE!

Free CARFAX. They run a CARFAX Vehicle History Report – at no cost to you – to assure that your Honda Certified Used Car does not contain any DMV reported incidents such as salvage, fire, flood damage, odometer problems, or lemon history. A copy of each car’s CARFAX is kept at the dealership and is available for you.

There are a ton of advantages to buying ‘certified’ so check out your local Honda Dealership for your next car!

 

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The Subaru Guaranteed Trade-In Program

I have to admit – I have only traded in a vehicle once in my life, and that was because it barely ran, and I really just didn’t want the hassle of getting rid of it. Overall the opinion of trading a vehicle in is pretty low – mostly because the low ball price you are offered by the dealership.

However – if you are a Subaru owner, when it comes to trade-ins you are in luck! The Subaru Guaranteed Trade-in Program is top notch!

Subaru created the Guaranteed Trade-In Program because they believe in the quality of their vehicles – and of course they think you should too! 
The Guaranteed Trade-in Value is an offer – only for Subaru owners – and it guarantees the trade-in amount that the owner will receive for their qualified Subaru vehicle when a newer (later model year) Subaru vehicle is purchased. The value is updated monthly and is available for 6 years from the original vehicles warranty start date! 
No hassles, no questions – just check with your local Subaru dealer for more info! 
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Ditch Your Standard SUV and Check Out the Subaru Outback

The Subaru’s of the past weren’t given much thought (at least not where I’m from). Were they foreign or domestic? Why would I buy a vehicle that looks just like some of the other manufacturers I already trust and depend on? But if you take a closer look – especially over the past 6 years or so – you will find out that Subaru’s are some of the most well-rounded vehicles on the market. The fuel economy gap is no longer an issue, and the company has made strides in versatility and technology, too. Especially the Subaru Outback.

Leather seats, a 7.0-inch touchscreen that is user-friendly,  dual-zone climate control, heated front and rear seats along with a heated steering wheel. And the new Outback now comes standard with better off-road capabilities than the outgoing model and will definitely appeal to a wider range of drivers. From a safety perspective, the Subaru’s excellent suite of driver assist technology, EyeSight, is standard on the touring model (and definitely a bonus!)

As we know, over the past 10 years or so – Domestic manufacturing matters. Subaru of Indiana Automotive in Lafayette has built 4.2 million vehicles since 1989 and is adding 900 jobs through an expansion that will put Impreza, XV Crosstrek, Outback and Legacy under one roof. It was the first U.S. auto assembly plant designated a backyard wildlife habitat by the National Wildlife Federation and to achieve zero landfill status. (That alone makes me want to buy a Subaru!)

With all the competitive cars in Subaru’s market, you may want to consider one for yourself!

 

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Savvy Ways To Deal With Bad Debts

Being in debt isn’t necessarily a bad thing per se. After all, debt allows us to get a mortgage and live in a house that we can’t afford to buy outright. It means we can get a loan to buy a nicer car. And it also gives us the opportunity to speculate and create capital for a business idea. Clearly, some forms of debt are good for you, give you opportunities to lead a happier life. Bad debts, however, are a different kettle of fish.

When you have bad debts, it can feel like you are very close to the edge. Your creditors will start to call things in, you will be threatened with legal action, and you will experience the scary situation of debt collectors calling you up on a regular basis – maybe even visiting your home. It can be exhausting, stressful, and it can often feel like there is no way out.

However, with some savvy thinking and clever tactics, it’s possible to address you bad debt situation and start the process of becoming debt free. And today, we’re going to take a look at a few of the things you can do to start solving your problem. If you have bad debt problems, try some of these out – and get started sooner, rather than later.

Sensible credit

If you have a good credit score, one of the first things you should do is consider switching your current debts to an alternative with better terms. The classic example is a 0% balance transfer on a credit card. Using this tool can be incredibly helpful, as you can stop paying interest for a set period, and really focus on paying off your debt. When you are paying anything from 15-20 percent on a card, just think how much money you will save, and how much quicker you will be able to pay off your debt.

Talk to your creditors

There are no guarantees that talking to a creditor will ease your burden – but it’s worth a shot. Explaining your situation might result in your creditors stopping interest charges, giving you some breathing space, and it will also help you feel like you are keeping the wolves from the door. Always take your debts seriously and never ignore them. You will find that most creditors are reasonable as long as you remain in contact with them, and start making repayments on a regular basis.

Understand your rights

Being in debt is not a crime, and despite the efforts of many debt collectors, it’s always important that you remember this. You have rights when it comes to debt, and anyone that is chasing you for money has to act within a particular set of rules. https://www.ftc.gov/ has some great resources on debt law, which is worth checking out – it covers everything from harassment and abuse through to unfair practices and legal actions. Don’t forget, the debt collection industry is heavily regulated, and if you feel that a particular agency is stepping over the line, you should never be afraid of reporting them.

Create a budget

It’s important to have an idea of what you have available to pay off your debts. Make a list of all your incomings and regular outgoings, and give yourself an amount each month that you can use to make repayments. You’ll need to be pretty strict with yourself, of course, and also go through each of your monthly payments and consider whether they are worth it – which we are going to take a look at next.

Cancel subscriptions

People often pay for unnecessary things like subscriptions that are never used, don’t provide any value, and are wasting money. All of these little things can add up to a considerable amount of money over the course of the year and can make a serious contribution for dealing with your bad debt problems. Magazine subs, gym membership, Spotify, and Netflix – even your cable TV could probably be minimized to help free up cash to focus on paying off bad debts.

Find better deals

The next step is to look at your payments and try and find better, more cost-efficient options. Home insurance, utility bills, and anything else that you spend on regularly can all be swapped for a cheaper alternative. Learn to negotiate and haggle, too – there is always a good deal to strike no matter who you are dealing with. Any money you save – which could potentially end up being a significant amount – can be directed towards your debt repayments and help you shorten the time it takes to pay off completely.

Earn more money

There are a million and one ways to make a little extra money, all of which can go towards paying off debt, according to https://fortunateinvestor.com/. Start by decluttering your house, and selling items you don’t need on Craigslist, eBay, or even at a yard sale. You can get paid for doing surveys online, too – try Ipsos Panel and Opinion Outpost and see what you can earn just by answering questions about your favorite TV shows. Finally, why not look for a second job? Perhaps you could do some shifts at your local bar, or offer some gardening services to your local community on the weekends? You will be surprised at how quickly you can earn some real money, all of which can help you pay off your debts far quicker than you can at this moment in time.

Use coupons

If you aren’t already using coupons, now might be a good time to start. Couponing is often mocked by some, and while it’s true that some people take it a little too seriously, it’s an excellent way to save an enormous amount of money. As long as you only use coupons for products you actually need, you’ll find that those savings start to stack up pretty quickly.

Change your mindset

Having bad debts can have a severe impact on your psychological well being. When you are under such a lot of stress, you’ll find that you start making bad decisions. Therefore, it’s vital that you are able to retain a little self-control and also try to change your mindset. Start valuing your money, and avoid making rash buying decisions – which probably got you into trouble in the first place. Avoid shopping when you are feeling down, too – psychologists believe that when we feel down, we often make up for it by buying expensive – and sometimes unnecessary – items. One way of making yourself stop and think is to stop paying for things by card. If you only use cash, you get a much stronger sense of what you are spending. It’s typical not to think twice to pay for a $200 product on a card, but when you actually have the money in your hands and have to count it out, it gives you a real sense of perspective.

Order groceries online

We all need to eat, but those trips to the grocery store are costing you a lot more than you might think. Even when we go in armed with a specific list of items, we will often come home with a huge array of extra purchases and impulse buys. There’s a simple solution to this matter of overspending – order your groceries online. Even though there is usually a delivery charge, you will find you save a considerable chunk of money, because you are only buying exactly what you need.

As you can see, there are plenty of things you can do when you are in bad debt. Give some of them a try, put everything extra you save or earn into paying back your creditors, and you will be surprised at how quickly you get back on your feet.

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Chevy’s Complete Car Care

Sometimes buying a vehicle from a reputable dealership gives you more than just peace of mind; it gives you major benefits that save you money (and time) like Chevy’s Complete Car Care.

So you buy a new car – and then what, the dealership is done with you? Maybe they send you an e-mail or give you a call in about 4 or 5 years to see if you are ready for a new one? Not with dealerships like Reedman Toll Chevrolet – they, like some other great dealerships, offer Chevy Complete Care.

So Chevy is completely committed to owner satisfaction and here’s how:

Included Maintenance. During your first 24,000 miles or 24 months of ownership (whichever comes first), we cover two oil and oil filter changes and tire rotations according to your vehicle’s maintenance schedule.

Limited Warranty Protection. Bumper to Bumper for 3 years or 36,000 (whatever comes first) any vehicle defect repairs are covered and even the original tires! Powertrain which includes your engine, drive systems, transmission, transfer case and emission control systems has extended coverage to 5 years or 60,000 miles whichever is first, and anti-corrosion so all body and sheet metal components are warranted against rust for 6 years or 100,000 miles.

Roadside Assistance and Courtesy Transportation. The response, security and convenience of 24-hour Roadside Assistance for 5 years or 60,000 miles, whichever comes first.

  • 24/7 toll-free phone assistance
  • Emergency towing to your nearest Chevrolet dealer
  • Flat-tire fix or change
  • Battery jump-start
  • Vehicle unlock service
  • Emergency fuel delivery
  • Courtesy Transportation or expenses reimbursed if a vehicle requires warranty repairs

My Chevy App. Turn your compatible mobile device into a command center for your vehicle. Start/stop your engine and lock/unlock your doors with the tap of a finger. You can even send destinations to your available navigation system, view diagnostic information and set parking reminders from virtually anywhere. It’s a simpler and smarter way to stay connected to your compatible Chevrolet vehicle.

 

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