Competitive Rate of Interest on New Car Loan

While opt for a loan on your new car, good decision-making and research skills come handy. Yes, it is very important to choose the loan with the lowest interest rate and low EMIs as well. This article guides users in making the right decision.

Car dealers, along with the car sale, will try to burn your pocket for free. They will hypnotize you into going for a loan through the same dealership. Stay away. The dealer gets his hands full while drilling a hole in your pocket. He gets a big extra profit. When the car sales are very low, dealers offer you the best deal if the car is financed through them. They are likely to get zero profit without the loan factor attached to the deal. This goes to show the enormity of the amount going into their pockets. Be careful!

There’s something more about car dealer loan offers. Many people in India feel that getting a loan from the dealer is the most convenient. It saves us the hassle of running around from place to place. Many dealers offer zero per cent financing which is another great attraction. There are many terms and conditions here. Even if you qualify, you will have to compromise on the discount that you could avail otherwise. Calculate EMI with EMI Calculator now and you’ll know that you are paying the same price. Most of the time, the zero per cent financing is just a marketing gimmick used by dealers to attract car buyers.

Though very rare, we do find dealers offering genuine offers on new car loans. In this case, after a lot of calculation, you may go ahead with the loan. However, be careful to never bow down to the dealer. Do not compromise on your terms. Go for it and sign the loan papers only if you’re fully satisfied with the deal. Keep the terms and conditions written in very small fonts in your mind.

To get a competitive rate of interest on your new car loan

it is very important to study the rates in the market. Interest rates change very often and you need to do your homework well. It is very healthy to get car loan rate quotes from as many lenders as possible. Go for free, no-obligation rate quote services and you can end the conversation then and there with lenders offering not-so-good interest rates. Doing this also saves you lot of time. All the work can be done online.

Once the quotes are ready, choose the loan with the lowest interest rate. Going in for a loan from your own bank is also a safe bet. The rate may be slightly higher. However, since you are an existing customer, the bank will certainly lower the interest rate. You are likely to save on the processing fees and other extra charges as well. Getting a trustworthy customer who will sincerely pay back the car loan is more important for banks than the extra fees.

Before approaching any new car loan lender, however, you need to be very sure of your financial state. Knowing where you stand financially and having an idea of the amount you can afford, negotiation with loan lenders becomes easier. Very often, lenders try their luck at increasing interest rates by telling you that your credit history does not look good enough for a new car loan with a lower interest. Know where you stand and the process becomes simpler. You can get a competitive rate on your new car loan more easily.

The key to new car loan shopping remains “compare and save”. While comparing loan rates hardly takes some time, you can end up saving thousands in your wallet.

[Via http://financeloans11.wordpress.com]

My car

Almost 2 years ago I bought a Italian car for my wife.Actually I was very doubtful about the quality.But  first glance, My wife and I came to love that.It has very cool style.The exterior and interior is both wonderful.The sound of engine is exciting.I was very very satisfied . First 1 year I didn’t have any problem.But next year so many. First one was tail light problem.I didn’t care about it.It was easy to repair.But that was some signal which troubles would occur.soon I had a trouble of  trans mission.While driving,the trans mission got in uncontrollable suddenly.My car stalled on the road. Then these 3or4month my car has come and go between the factory and home.However My wife still love my car.Because my car is too atｔractive to give up it.

[Via http://iise.wordpress.com]

45 Rules to Live By

45 Life Rules

1. Give people more than they expect, and do it cheerfully.

2. Memorize your favorite poem.

3. Don’t believe all you hear, spend all you have, or sleep all you want.

4. When you say “I love you” – mean it.

5. When you say “I’m sorry” look the person in the eye.

6. Be engaged at least six months before you get married.

7. Believe in love at first sight.

8. Never laugh at anyone’s dreams.

9. Love deeply and passionately. You might get hurt, but it’s the only way to live life completely.

10. In disagreements, fight fairly. No name calling.

11. Don’t judge people by their relatives.

12. Talk slowly but think quickly.

13. When someone asks you a question you don’t want to answer, smile and ask, “Why do you want to know?”

14. Remember that great love and great achievements involve great risk.

15. Call your mom.

16. Say “Bless you” when you hear someone sneeze.

17. When you lose, don’t lose the lesson.

18. Remember the three R’s: Respect for self; Respect for others; Responsibility for all your actions.

19. Don’t let a little dispute injure a great friendship.

20. When you realize you’ve made a mistake, take immediate steps to correct it.

21. Smile when picking up the phone. The caller will hear it in your voice.

22. Marry a man/woman you love to talk to. As you get older, their conversational skills will be as important as any others.

23. Spend some time alone.

24. Open your arms to change but don’t let go of your values

.
25. Remember that silence is sometimes the best answer.

26. Read more books and watch less TV.

27. Live a good, honorable life. Then when you get older and think back, you’ll get to enjoy it a second time.

28. Trust in God but lock your car.

29. Do all you can to create a tranquil, harmonious home.

30. In disagreements with loved ones, deal with the current situation. Don’t bring up the past.

31. Read between the lines.

32. Share your knowledge. It’s a way to achieve immortality.

33. Be gentle with the Earth.

34. Pray. There’s immeasurable power in it.

35. Never interrupt when you are being flattered.

36. Mind your own business.

37. Don’t trust a man/woman who doesn’t close his/her eyes when you kiss.

38. Once a year, go someplace you’ve never been before.

39. If you make a lot of money, put it to use helping others while you are living. That is wealth’s greatest satisfaction.

40. Remember that not getting what you want is sometimes a stroke of luck.

41. Learn the rules, then break some.

42. Remember that the best relationship is one where your love for each other is greater than your need for each other.

43. Judge your success by what you had to give up in order to get it.

44. Remember that your character is your destiny.

45. Approach love and cooking with reckless abandon.

[Via http://gemmabrown.wordpress.com]

1000km Car Service

She text me earlier this week. Saying that she wanted to send her car for service. Her new Mr. Jones are due to checkup and service. She wanted me to send her car to service before this Thursday and was asking if I am free between Monday to Wednesday.

I told her that I am afraid my schedule will be quite tight during these few days. My company is running an event on 24th and I am worried that I might not be able to run around for this chores. I told her that I on leave on Thursday and maybe then I could help her out?

My plan was to go on leave on Thursday and send the car to fix the exhausted brake pads. Another thing I was looking forward was to diagnose my car’s drive shaft as I think it tends to jerk every time the car moves from it’s stalled position.

In between her request, my plan was to send her car to service on Thursday morning before I send mine. Maybe she felt that I wasn’t care for her car enough. Or her enough. I can’t even comprehend how she view this matters. First of all, she told me that her car has been due 1 month and due 1000km. Then isn’t she suppose to send it for service? Maybe she wants reassurance? I don’t know. Should I tell her that it will be fine to wait till her service appointment which is on the following weekend?

She told me she is afraid as she feels her car a little jerky lately. I told her the information wasn’t sufficient. I told her if she wants, I can send her car to service. I need to plan. I wasn’t telling her that she is less important. I told her that I couldn’t confirm as I am awaiting reply from the service center. When is the appointment as I need to plan ahead. But it seems it falls on deaf ears because she got it all up.

I don’t really know. Did I did anything wrong? Not wrong perhaps. Maybe I should be more attentive? I don’t know. I won’t know in the end.. maybe.

[Via http://53th.wordpress.com]

Car, Home loans to get costlier

Interest rates on Home, other Retail and Car loans are set to firm up in near future as the Reserve Bank of India (RBI) on Friday hiked the rates at which it takes deposits, and lends short-term funds to banks by 25 basis points. RBI took the decision to make tighter money supply for containing the growing inflation, which has touched 9.9% in February.

On Friday, RBI increased the repo rate, the rate at which it lends short-term funds to banks to 5% from 4.75% and reverse repo rate, the rate at which banks park their surplus funds with the central bank to 3.5% from 3.25%.

CMD of a public sector bank said that RBI’s decision to hike the rates is a clear indication to banks to raise their lending rates for containing inflation. However, he refused to give the time line for hiking of the rates, saying that it will be done sooner than later. However, he maintained around quarter a percentage points increase in the lending rates across the board.

On the other hand, according to the latest data released by Reserve Bank of India, there is a clear indication of tightening in the liquidity. As against a surplus liquidity of over Rs 50,000 crore in the banking system till the last week, on Friday it has come down to around Rs 5,000 crore. At the same time, as the credit off-take has picked up during last few weeks, the liquidity condition is likely to tighten further. In that condition, the increase in the repo rate will lead to rise in the benchmark cost of funds.

However, in its statement, RBI said that credit expansion for sustaining the recovery will not be affected as the liquidity in the banking system will remain adequate.

[Via http://financeloans11.wordpress.com]

Nujabes Passes Away at 36

DJ and hip hop artist Jun Seba, widely known by his stage name Nujabes, passed away on the night of February 26, 2010. He was reported to have been in a car accident in the Minato ward of Tokyo as he was leaving the metro express. He was rushed to the nearest hospital, but doctors were unable to resuscitate him.

Rumors of Nujabe’s death had been floating around since the day of the accident. Many had not know that he had passed away, including many of his coworkers. His death was announced yesterday by his own production company Hydeout Productions and by close friend and fellow artist Shing02. His burial was held at Shimeyaka.

Nujabes was the founder of Hydeout Productions and owner of Guiness Records and T Records. In his career, he has released four studio albums as well as five compilations. He has also contributed his music to the anime, Samurai Champloo.

Rest in peace.

Shing02 says his farewell.

[Via http://jphile.wordpress.com]

The problem with carbon footprint calculators, and musings on Prashant Vaze..

OK, I have started this post with a title that just looks as though I’m looking for excuses, doesn’t it?  Allow me the chance to explain myself in my usual, long-winded fashion.

Prashant Vaze’s ‘The Economical Environmentalist’ is to blame. It fell, almost from the Heavens, into my sticky paws just as I was looking for another seemingly hare-brained scheme to occupy my free time (Richard – and I imagine, the landlord – being less than happy to allow me to convert the front garden into a chicken coop).

First thing I thought – well, I do really well, don’t I? I don’t eat red meat, I don’t fly anywhere, I turn everything off at the wall, we rarely have more than one light on in the entire house, I am a veritable paragon of Earthy Worthiness.

Wrong.

Well, according to the WWF and ActoncO2, that is. My personal carbon footprint currently stands at an ice-cap melting 7.25 tons. According to WWF’s online Footprint Calculator, that equates to 1.94 planets. Eeek.

Here are the scary statistics:

20% – food

13% – travel

28% – home

39% – stuff

Food

I eat organic, free range chicken once a week. I eat responsibly sourced, sustainable fish once or twice a week. I haven’t eaten a burger, or a kebab, or a bacon sandwich for the past 20 years. There is, of course, nowhere on the calculator to point this out to them (in a slightly smug fashion). I try to buy organic milk and dairy - and don’t even drink milk, it’s mostly for the children. I try to buy seasonal local produce, which can be difficult when you only have one greengrocer within walking distance; so I’m afraid I do rely a little too heavily on my weekly supermarket shop. There, I do look for Scottish produce, though I am depressingly aware that the ‘local’ carrots have probably been driven to Lands End for washing, to Newcastle for bagging, then to a distribution depot in Watford before appearing magically on the shelves of the supermarket. The WWF don’t even give me any Brownie points for having some seed potatoes chitting on my windowsill or the fact that I don’t buy air-freighted fruit and vegetables (OK, except early season grapes).

Travel

This was an odd one for me. We have a car, yes. A medium sized (1.6 litre) beast which is 10 years old and which gets used every day for Richard’s commute into work. I can’t drive the bloody thing – I can’t drive – but I did fess up to the calculator that I’m probably in said beast for an hour or so a week. You know, get chauffeured to the supermarket, that kind of thing. As this was a personal calculation, rather than a household calculation, I was somewhat alarmed to see the percentage as high as 13% when it feels as though I walk everywhere.

Home

Much of this is, sadly, unchangeable by us due to the fact that we live in a furnished, rented house. Our fridge freezer was present at the Last Supper, our washing machine is not much newer, and the boiler is so old I’m expecting to find a horde of Saxon coins underneath it. But we do what we can – the usual cliches, really – only boil the water you need in the kettle, turn everything off when not in use (I frequently turn things off when they are in use, which gives me a little thrill), put energy-saving lightbulbs here, there and everywhere, and wear 3 jumpers instead of turning up the heating (which, incidentally, is only one in one room). Sadly, however, I don’t see my landlord coming round gleefully wielding a catalogue of A+ grade appliances and a lovely FSC Wood burning stove any time soon. Or letting me stick a wind-turbine on the roof.

Stuff

Boy, do I resent this! I BOUGHT A FECKING TELLY. Ours broke. It was ancient. Yes, I might have bought a TV – a small, modest one, not some ginormous monstrosity and, yes, I confess to buying Richard a digital camera for Christmas (he had been an awfully good boy); but we don’t buy ’stuff’. Not like other people buy stuff, anyway. My make-up bag should probably be labelled hazardous, and only approached by men in white cover-alls, we don’t buy clothes unless desperate (nursery must think Ellis’ mum has a job as a scarecrow) - I couldn’t tell you the last time we bought a ‘frippery’. OK, my house is full of ‘things’, but I’m amazed how much stuff we have accumulated through generous friends and family giving away things that are perfectly functional and, of course, facilities such as Freecycle which has filled up the spaces made by, well, giving things away on Freecycle.

So, annoyed I may be. Somewhat less sanctimonious, definitely. Ready for a challenge – yes, I do think I am. In the next post, I shall devise (probably in mind-numbing detail) my cunning plan to do something about my carbon footprint. So there.

Thank God for Prashant Vaze, who – whilst bombarbing me with facts, figures, offsetting data stats and scary looking diagrams – is still keeping me sane. And I shall sleep more soundly in my bed tonight knowing that the cheap Spanish tomatoes actually have a lower footprint that UK tomatoes grown in heated greenhouses. Mr Vaze, I thank you.

[Via http://alifeinclouds.wordpress.com]