Cambece Law Office

Dec 4, 2008
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LAW OFFICES JA CAMBECE

How To Save Gas
9. You no longer need to warm your car up for long periods of time, especially new cars. New cars are made to run when cold.
10. Don't travel at fast speeds in low gears unless you need the compression to slow down.
11. Try to drive the speed limit.
12. Try to accelerate slowly when leaving the stop light. It's not a competition with the driver in the lane next to you. The fastest person through the intersection just gets to spend more on gas.
13. No need to buy the highest priced gasoline. Most cars are built to run on regular unleaded. Check you owners manual or consult a mechanic. I have had many tell me that the more expensive gas is a waste of money.
14. Revving the engine needlessly wastes gas. There is no need to rev before you turn your vehicle off.
15. If at all possible, try to arrange car pools with co-workers to share the cost of commuting to work.
16. Walk, bike or run to your intended location whenever possible.
17. When the price is sky high, don't fill up. Wait for the price to go down before you fill up your tank. Filling up your tank when the price is peaking lets gas companies know that you are willing to pay ridiculous prices for gasoline.
18. And last, the biggest and most important step towards saving money on gas is always try to purchase vehicles that get good gas mileage. The difference between 20 miles-per-gallon and 40 miles-per-gallon is huge.

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3. Don't be impulsive. Do your car research first, avoid going to a new car dealer without knowing which car you want and what you are prepared to pay. Car salesmen typically employ sales tactics to push you into buying more expensive models with options that you sometimes don't need. If you encounter such salesmen, remember that it's you who will make the more expensive monthly payments.
In obtaining a new auto loan, you must be more informed about a few important things. Aside from your bank, credit union, now you know that you can rely on car financing sites in the internet to obtain a car loan.Here's a few "don'ts" to keep in mind when buying a car and looking for a new auto loan:1. Don't be too quick to accept the dealership financing offer. Dealerships typically offer higher rates because they buy financing from banks and other sources, and raise the rate to make a profit. Always shop around for the best rates.2. Don't go by rate alone. The rate is only part of the equation. There's more to a car loan like how much you'll be putting down and the loan terms before making a decision.A used auto loan usually carries a higher interest rate, typically 2%, than a new auto loan . Also, most banks will not lend you money for a used car that is older than 4 or 5 years old so bear that in mind. For car buyers looking for used car auto loan for cars that are 4 or 5 years older, it helps to have money saved for that purpose.

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JA CAMBECE LAW OFFICE: Lenders are faced with many borrowers each day and they are virtually strangers. Thankfully, there are companies, called credit bureaus who keep track of how borrowers pay their bills. They record if borrowers are prompt in their payments, if they have late payments, how many loans or credit cards they have, plus information that appear in public records like bankruptcies, foreclosures, suits and others. Lenders may extend a poor credit auto loan to a borrower with a less than perfect credit or an instant auto loan with extremely low rates to a borrower with perfect credit based on the reports of those credit bureaus.Apply for a credit card. You can use and pay off a credit card to build up some credit history. Start with gas and department store cards which are generally easier to get. As a last resort, you can get a secured credit card, which requires a deposit. They will charge a higher interest rate but at this point, there's nothing much you can do. It’s important to make sure that the card issuer reports to a credit bureau.
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Cambece Law Office

Cambece Law Office

LAW OFFICES JA CAMBECE

CAMBECE LAW OFFICE

JA CAMBECE

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