Welding Jobs: Ideas You Can Use At Home To Make Money Welding (No Boss While You Make $100,000)

What if you could make $100,000 a year welding from home?

What if you could make even an extra $500 a month from home, using your current skills? If you are a welder with basic welding skills and you are between jobs or you are being under paid in your current job, it might be worth your time to read this article – let’s think outside the box for just a minute on how you can make money welding from home.

From Home Welding # 1:

Teaching or tutoring any skill is a very profitable business. In any town of any size you’ll see at least one tutoring business in a strip mall brick and mortar location. In that same town will be at least a dozen other tutors working from home, making good money.

Yes, most of the time they are tutoring math and reading to students. Lean back and think about what skills you have that can also be used in a tutoring business you can set up and milk cash from, like milk from a cow.

Let’s say you are good enough with TIG to weld razor blades or pop can butts.

If you can teach a non welder to operate a TIG torch good enough to go on and practice on their own at their home in about 3 hours of your hands on theirs – they will pay up to $100 an hour for 3 hours of TIG instruction. Just 2 students a day would bring you $100,000 a year. If you think I’m kidding I’m NOT! There are many reasons why education is so valuable – and that includes intense, focused tutoring in welding.

6G pipe welding is the highest paid of all welding certifications – most 6G welders make $100k to $300k a year – and demand is crazy. However, if you are a 6G welder and you want to stay home, you can set up and teach 6G in your garage. Let’s say you do this with 7 students, each paying you $10,000 for a 3 month course. Yes, they will pay it – especially if you show them how they will have more time with your hand on theirs (the #1 secret to learning 6G fast).

From Home Welding # 2:

I was in Palm Springs the other day. I have been in and around the trades for 30 years… and when you see a tradesman’s truck and it is late model without dents or many scratches, clean, organized and well equipped, it means (99% of the time) that guy is making money.

I pulled up to a light behind just such a truck – “Joe’s BBQ Service and Repair.” That’s it – that is all Joe does. He will weld cast aluminum or steel. He’ll clean and polish. He’ll replace a burner or a control. OR he’ll buy your old unit and sell / or sell you a new one.

Yes, you need a town with a lot of high end BBQs. Other than that, go get it.

From Home Welding # 3:

Large steel cut outs. In art of all kinds, size matters. For example, 20 years ago we purchased two 4′ long coat racks – each is a piece of 1.5″ x 1.5″ x 1/8″ angle 4′ long with 6 horse shoes welded to the angle to hang the coats.

On the horizontal surface of the angle is welded a scene made of 7 horse and 7 tree cut-outs. We paid $185 for each of these 20 years ago… that would be about $300 a piece in today’s dollars.

The problem with you making these is that the 14 cut outs on each unit are too small too many to cut by hand – you need a computerized plasma table to make these.

Here is where the magic of size makes all the difference.

The artist who drew the cut outs on our coat rack was good. Each of the 7 horses is different and beautiful, as well as the trees. Any – or all of these – cut outs can be scaled up with chalk onto a sheet of say 4′ x 8′ x 3/16″ steel. Now, all you need is a plasma or an oxy torch to create the large version.

What would a horse cut from a 4′ x 8′ sheet sell for?

$300 to $700. It would depend on where you are and how you market it. Marketing is a large part of any business. Good marketing is not hard – you can do it.

You can see, if you could get a “business pipe” full of inventory and sales and you were delivering 2 horses a day, you could easily make $100k. The other major opportunity with big cut outs is gates. The key to all of this stuff in the art category is beautiful line drawings. If you are not an artist, hire one on the condition that they sign the copyright to you.

There are endless ideas to utilize even your most basic welding skills from home to make an excellent living or just extra money. The trick is:

Step A:

Find what will work best for you.

Step B:

Write out a simple plan of attack. Don’t put the cart before the horse. Many small businesses fail because the owner gets all wrapped up in the details and loses site of what is important. Here is what is important: Don’t spend money – MAKE MONEY!

Step C:

The first rule of business is to GET NOTICED. That is also the end goal of all marketing – once you have enough eyeballs on you, you will succeed. The common mistake is to leave marketing for last while concentrating on every little rule and piece of paper. A business license will do you no good if you don’t make money! Save your money and get it (if you really need one) when you make some money. Towns and cities will simply say, “do you have a business license?” When they ask, say: “I’m getting one now.”

Conclusion:

You are blessed to live in a country where you can go from nothing to something in a hurry. However, to get anywhere in a hurry requires running hard. You’ll never regret it.

What should you do next?

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Get Help And Advice Online From Car Loan Articles

Car loan articles can be found online with a specialist motoring website and they hold a vast amount of useful information for those who are looking to finance a new or used car. A good site will offer articles on all aspects of car loans which all go towards you finding the best deal for your particular circumstances as well as offering hints and tips on choosing your new vehicle.

By having this knowledge, it means you can make an educated choice as to the right type of car finance for you.

When it comes to finding a loan there are many types to choose from so getting doing your homework is essential, so take advantage of articles aimed at car loans and you get to the best start possible. Articles are often laid out in specific categories which mean you can instantly find access to the information you are looking for.

Car loan articles will tell you all about the various options when it comes to financing your new or used car. Car loan articles giving information for the standard loan will explain the options you have and how to get the best deal possible on a secured or unsecured loan.

The secured loan means that you take the borrowing over a specific amount of time and then spread the repayments in monthly installments over this period. The beauty of this is that you are able to keep the repayments down to a level you can afford each month. However of course the longer you take the loan over, the more interest you will pay. If you have a less than perfect credit rating then this is usually the best chance of securing a loan for a car, as the car will be taken as security against the borrowing.

If you are considering buying a used car then get as much information as you can by way of car loan articles focusing on used car loans or unsecured borrowing. If you have an excellent credit rating and do not need to borrow a lot then you can get a loan without having to put up anything as security. The unsecured loan will usually come with an interest rate that is higher than that of the secured. However by allowing a specialist website to search within the car finance marketplace you can make great savings.

Any type of loan is confusing when it comes to the technical jargon and interest rates. Car loan articles will take the confusion away for you. They will explain clearly what APR means and the tricks that some lenders play to make you believe you are getting an excellent interest rate. For example, some lenders will quotes an interest rate that is for weekly terms and of course if the individual compares this against a monthly or yearly rate then it can seem extremely low. Taking the time to read through the articles and learning as much as possible about car loan and finance can save you a lot of money and of course, a specialist website will offer these resources for free.

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UK Corporations Feeling the Financial Crunch, But Do not Panic As Advice is Available!

Your business may not be a high-profile company that makes headlines every month but that does not mean you can not have the same problems as Northern Rock or Bradford & Bingley. After years of being successful and profitable you may find that your company is currently having financial difficulties and you need more cash. Before you set out to raise more cash any way you can imagine, take the time to speak to a lawyer and discuss all your legal options.

It is important that any business acts early when they start to see a decline in finances. You need to review your businesses cash flow on a regular basis even if you have an accountant or a financial department. Whilst you may delegate the financial process of your company to other people, do not make the mistake of not reviewing the financial statements. Stay up-to-date with your company's finances and you will be able to adjust quickly when financial difficulties start to appear.

If you do find your business is in need of more cash do not panic and start making poor decisions that could jeopardize your business. Whilst it is important to plan for a downtimes and be proactive before the creditors start calling, sometimes the problem will catch you by surprise and you may find yourself needing to take action quickly. The Companies Act of 2006 sets out the duties directors owe a company and you need to ensure that you follow these guidelines. Speaking to a lawyer can help you keep on top of the current regulations and verify that your company is following all the appropriate laws for every country your company does business in.

If you trade while insolvent you could be breaking the law. Whilst you may be panicked due to your company's cash flow problems, it is important to take the advice of your lawyers and financial personnel in order to make sensible and legal decisions for your business. You may need to make some tough choices that require you to change the structure of your business. You may need to let some of your employees go but whatever decisions you need to make you should discuss your choices with a lawyer to always confirm you are following the appropriate laws correctly.

It is understandable to make foolish and short sided decisions when your business is in trouble. If you built a large company from the ground up, you may be feeling that the company's financial problems are your own problems. It is important that during tough financial time you take charge and make arrangement with any creditors.

If you need assistance in negotiating settlements and arrangements with creditors a experienced solicitor can assist you with the process.

It may be possible to sell off the shares in the company or the company assets instead of liquidating the entire company or filing for bankruptcy. You may be able to save your company and rebuild once your cash issues are resolved. A solicitor can help you plan your business future and keep you focused during a very difficult time in your business career.

This article is free to republish provided the authors resource box below remains intact.

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From Debt To Financial Prosperity

In this consumer based society we live in we are spoiled for choice in terms of the consumables we are offered. Regardless if we actually need these products or not billions is spent in the media to convince us that we do. The vast majority of the population does not live within their means. The increasing availability of credit is one factor that is blamed for the increasing amount of personal debt in western society.

On the surface it seems that the availability of credit has plunged many into huge amounts of debt that they will spend the rest of their life paying off but this same weapon called credit it used by savvy investors to create a life of luxury and prosperity in which they can afford the finer things in life.

So what is the major difference in how successful investors and the average consumer use credit?

Well the major difference is smart investors use credit to leverage their investment exposure. This simply means that they borrow to invest. Smart investors do not take on credit if in the long run it will not lead to an increase in income and a positive cash flow. The average consumer on the other hand spends thousands on new cars that depreciate rapidly, holidays they can not afford, large plasma TV's, designer clothes, and homes they can not afford to live in. Ironically some smart investors do like the life of luxury but they almost always certainly live within their means.

The message is quite simple if you must live a life of luxury never borrow money to do so involuntarily you will end up spending years to pay off huge debts. These crippling debts often lead to stress, depression and in allot of cases divorce. Millions of people worldwide live in the bondage of debilitating debts and the only reprieve they are offered is more debt over a longer time period to ease their current debt repayments aka debt consolidation. Extreme caution is advised if you choose debt consolidation as an exit from a life of debt.

So how can one make the transition from debt to prosperity

1: Evaluate your Cash Flow
Determine how much money you have coming in each month and how much money is being paid out in debts, expenses and other liabilities. Start with your expenses and get rid of monthly outgoings that are not necessary. This is foregoing temporarily certain amenities for a permanent solution to debt. Club memberships and other things that are not necessary can be canceled. Once you have trimmed down your monthly outgoings by 100-200 pounds / dollars save the extra money or spend it on repaying debts off sooner.

2: Avoid paying Interest only
Interest only loans may seem cheap in terms of monthly repayments but in the long term the overall amount you repay can sometimes be as much as 50-150% of the original loan.
3: Live within your means
This is quite simple forget what you have been brainwashed to believe, you do not have to drive a new car or have the finer things in life at the expense of personal debt. Buy only what you can afford to pay for in cash. By forming the habit of only paying cash you are forced to purchase only the things that you can afford.

4: Pay of Loans early
Paying debts of quickly means you end up paying less in the long run. Think about it why are banks so happy for you to pay less monthly?

5: Consult a financial planner
Sit down with a financial planner and draw a road map to get you out of debt.

Taking any of the above steps will free up a few extra hundreds a month. Now that we have a bit of free money you must start to invest if you do not want to retire poor. Remember regardless of what you have stored for your retirement cash based assets have continued to devalue over the last hundred years and even further back. This simply means 1 million 10 years ago had more buying power that it does today and its only reasonable to assume 1 million today will not have the same buying power in the next 10 years. Drastic steps must be taken to secure your future otherwise you may retire with the nasty shock that you simply can not afford to retire.

The key is investing your money (yours and the banks) and getting it to work as hard as possible. Once your outgoings are reduced and you live within your means you should now be looking to supplement your income with investments and / or small business. This time you use your old adversary called credit and turn him into an ally.

By using financial leverage you are simply speeding up the transition.
But before you even think of investing a dime invest in your financial education by buying books on success, prosperity, financial planning and budgeting. Once you have gained better insight into the financial world seek financial advice.

Some of the things you can invest in include buy to let properties, franchises, small home based business just to name a few. But most new investors start of with real estate. But be smart real estate is all about timing and pricing so if you do start by acquiring real estate make sure you no what your doing and the timing is right.

In summary cut your outgoings, pay loans of early, live within your means and used credit as a tool to increase your investment income and not for personal extravagance.

Good luck and hopefully you join me and make that transition form debt to financial prosperity.

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Why Is Bitcoin Cloud Mining the Way Forward?

Cloud mining allows you to access data centre processing capacity and obtain cryptocoins without the need to purchase the right hardware, software, spend money on electricity, maintenance, and so on. The essence of cloud mining is that it allows users to buy the processing power of remote data centres.

The whole cryptocoin production process is carried out in the cloud, which makes cloud mining very useful for those who do not understand all the technical aspects of the process and do not want to run their own software or hardware. If electricity is costly where you live – for example in Germany – then, outsource the mining process in a country where electricity is cheaper, such as the US.

Types of Bitcoin cloud mining:

There are currently three ways to conduct mining in the cloud:

1. Leased mining. Lease of a mining machine hosted by the supplier.

2. Virtually Hosted Mining. Creating a virtual private server and installing your mining software.

3. Renting hash power. Renting a certain amount of hash power, without having a dedicated physical or virtual equipment. (This is by far the most popular method of cloud mining).

What are the advantages of Bitcoin cloud mining?

– Not dealing with the excess heat generated by the machines.

– Avoiding the constant buzz of the fans.

– Not having to pay electricity.

– Not selling your mining equipment when it is no longer profitable.

– No ventilation issues with the equipment, which is usually heated a lot.

– Avoiding possible delays in the delivery of hardware.

What are the disadvantages of Bitcoin cloud mining?

– The possibility of fraud,

– Operations with bitcoins can not be verified

– Unless you like to build your own Bitcoin hash systems, it might be boring.

– Lower profits – Bitcoin cloud mining services carry expenses.

– Bitcoin mining contracts may allow cessation of operations or payments if the Bitcoin price is too low.

– Not being able to change mining software.

Risk of mining in the cloud:

The risk of fraud and mismanagement is prevalent in the world of cloud mining. Investors should only invest if they are comfortable with these risks – as they say, “never invest more than what you are willing to lose.” Research social networks, talk to old clients and ask all the questions you consider appropriate before investing.

Is cloud mining profitable?

The answer to this question depends on some factors that affect the profitability of investments. Cost is the most obvious factor. The service charge covers the cost of electricity, accommodation and hardware. On the other hand, the reputation and reliability of the company is a determining factor due to the prevalence of scams and bankruptcies.

Finally, profitability depends on factors that no company can predict or control: just remember the high volatility of Bitcoin in the last three years. When you buy a mining contract, it is better to assume a constant price for Bitcoin, since your other alternative is to buy bitcoins and wait for the price to rise. Another important factor is the capacity of the entire network, which depends on the number of operations per second. Over the past few years, power has increased exponentially. Its growth will continue to rely on the value of Bitcoin and innovation in the development of integrated circuits for particular applications.

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24 Hours in Your Wallet

Every writer faces time restrictions. The trick is to find enough time in the day to spend writing. There are several things I do to find more time to write. Negotiate every one of these ideas to maximize your time of opportunity.

Review your ideas that are laid out in front of you. I use note cards and stick notes on my desk to keep ideas around me. This kick starts the thinking process. I also put a current project I’m working on as a desktop background on my computer as a constant reminder to work on that particular task. Every time I am on the computer, there’s a picture of a document that needs worked on starring me in the face.

Push through the fog even if you have a headache or are feeling bad. Be your own nagging boss that says, “Get to work.” Think of a reward that you’ll give yourself when the work is done and put a picture of it where you see it every day. The reward has to be worth it, not just go out to dinner or something lame like that. I enjoy playing pool and set a goal to not play until I finished a project. Stick to it. That pushes me to finish what I started faster. Delayed gratification is a great tool to use. Use every great tool available.

Be as organized as possible. I know folks that can play office all day and not accomplish anything of real value. Focus on the work as a writer, but keep a clean environment.

Use the best software for the project your working on. I use New Novelist software for book type writing and Movie Magic for screenwriting. Download a free trial of Movie Magic and see if it’s right for you. Use the best software you can to maximize your effectiveness of time management and organization.

Eliminate the unnecessary clutter. Work is work, it doesn’t matter what kind it is, whether it’s dishes, digging a hole, or writing. A proper mindset on the value of work is vital. Sweat Equity is the best tool in the world.

Set goals that are difficult but possible. Write three articles a day, three chapters a day, or three scenes a day. Make time your friend and not a thief.

Role-playing allows me to step into someone else’s shoes and get work done that I might not of accomplished otherwise. Think stat, like you hear a doctor say. I’ve got to operate on this chapter, stat or I’ve got to dig up the research and uncover the true like a good detective. This exercise helps me more than you could possibly understand. An exercise like this can make an ordinary writing assignment seem extraordinary, removing the boring out of work. If you’re having fun, then you’ll get more done.

Steal every minute you can from the day. Take your laptop with you to work and pull it out on lunch break if you work a regular job too. I take my laptop fishing with me. When it’s slow and the fish are not biting, I can kick back and type away, glancing at the pole once in a while. The thrill of fishing is the catch, not the wait. Work while you wait. That may sound extreme, but don’t knock it until you try it.

Gather all the best tools and use those to fight against the time steelers.

Copyright© 2007 – AJ Dowell

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Silver Investment Clubs

Why should you want to buy silver at $15 an ounce when you can wait for silver to go down to $12 an ounce. The simple and realistic answer is the supply of silver decreases with time. Trying to wait for low prices will negatively affect your ability to buy the quantities you want. Buying on a cost average method allows a consistent accumulation of silver.The short term price you pay today will be considered a bargain in the future.

If you could flash forward one year and look at the price you paid for silver today, you will realize that the price you paid last year was a bargain. Making small changes in your spending profile can benefit you greatly. Do you purchase cigarettes on a regular basis? Consider this, once purchased your cigarette purchase is destroyed upon use. You will get a one time value from each cigarette. But to repeat the experience you will have to give away more money. With the regular purchase of silver, whether weekly or monthly, you have a product that lasts year after year after year.

If you take the same amount of money that you spend on pampering yourself and buy silver you increase your real wealth. Forget about that daily cup of gourmet coffer and buy yourself an ounce or two of silver.

Become part of or start a silver investing club. Most silver brokers buy from wholesale sources. Leverage the power of group buying to negotiate purchase rates that are fair and favorable to your silver investment club. Silver brokers work on commission. Do not overlook the power of negotiating. Make sure you have a plan a and an plan b. If your club plans to purchase more than $1000 in a single transaction ask for a discount. If your club purchases $2500 or more in a single transaction ask for a larger discount. Another advantage of a group membership is that you can be more productive with 100 people giving one percent of effort than 1 person giving 100 percent of their effort. Their is strength in numbers.

If there are no clubs in your immediate area then look at the penny saver magazines of surrounding communities. If you have to start your own club run an ad in the local newspaper or penny saver magazine. An example ad would be: Investment club forming. initial investment under $50. Automatic monthly purchases to acquire precious metals. Call telephone xxx-xxxx. Place your ads under the business, financial, and personals section of the penny saver publication. Of course, this technique will work just as well with the local newspaper.

You can also post advertisements in the form of flyers. These flyers can be put on public bulletin boards. Convenience stores, food stores and churches are excellent places to advertise. Just make sure you get permission first. And sometimes you do not need permission.

Look at your bank account and tell me if you are getting a fair return on the money you loan to the bank. If not you need an equalizer to develop you wealth. Using your paper money to acquire real money protects your economic standing. Your best friend when it comes to your finances is you. Be proactive in managing your assets.The systematic acquisition of silver coins can be painless. You have alternatives to starting a silver club. For a more direct and systematic way to own silver consider joining already established silver clubs.

Watch the current trend in owning precious metals. Do what the smart money movers are doing.The possibility of silver prices skyrocketing to three digits may not be far away. Consider this, the fiat currency you have in your savings account is being inflated away on a continuous basis. Acquire real wealth now. Buy silver because the price will surely increase.

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Obtaining A First Mortgage For Investment Property

As the name implies, a first mortgage for investment property is simply the first loan that is issued for the property. When you purchase a piece of real estate, the loan that you receive as financing is also known as a first mortgage.

Before you apply for a first mortgage for investment property, it’s a good idea to obtain a copy of your credit report and confirm the accuracy of the information listed therein. Every 12 months, you are entitled to receive a free copy of your credit file from each of the three credit reporting agencies, including Equifax, Experian and TransUnion. The best way to choose a lender for your first mortgage for investment property is to shop around. Compare interest rates, required down payments and other loan terms in order to find the best fit.

When you speak to a lender regarding a first mortgage, they will explain the required down payment, invite you to fill out a loan application, access your credit file and possibly even provide you with a loan decision within hours. In most cases, a lender will require a down payment ranging from 20-35% for investment properties. Depending on your credit history, you may be asked to pay a slightly higher down payment than average. Because the purchase will not be used as a primary residence, the loan term will likely be shorter than a traditional mortgage.

When it comes to a first mortgage, every lender will require that a title search be performed on the property prior to approving a loan. A title search can be performed by a licensed attorney specializing in real estate and is beneficial for making sure that there are no judgments, liens or back taxes on the property. In addition, a title search will confirm the identity of the property owner and will ensure that the seller has the full right to deed the property to a new owner.

While shopping for a lender, most investment property buyers will apply with more than one lending institution. Although it is widely known that multiple credit inquiries in a short period of time may lower your credit score, applying for a mortgage is slightly different if the inquiries are made close together. The reason is because lenders expect that you will apply at multiple locations and may, therefore, not let recent inquiries for a mortgage loan deter them from approving your application for a first mortgage for investment property.

A first mortgage for investment property will be more likely to be approved if the hopeful buyer can provide an appraisal confirming the market value of the property. A loan is even likelier to be approved if the property is being sold for below market value, which will result in instant equity. These factors, combined with an appreciating market and a large down payment will increase your chances of being granted a first mortgage for investment property.

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What’s the Hype With Coin Collecting? It’s Fun

If you are ever wondering what the hype is about with coin collecting then this is the article for you. Coin collecting is a great hobby. It also turns into a business for some. Any variation from a coin that is in regular circulation is collectable. Some of the coins include Quarters and Dimes before 1965. They are made of 90% silver. An easy and very fast way to check for these coins in your wallet or from a bank coin roll is to just look at the side of the coins. If the side is all silver with no copper showing, then it is a silver coin. Be careful with nickels however, because only the 1942 to 1945 nickels are silver. They are 35% silver and checking the sides will not work because they do not have enough copper in them to begin with.

1944 Steal Penny

One of the best finds you could get would be a 1944 steal penny. These penny's are worth between $ 100,000 and $ 200,000. The same is true for the copper 1945 penny. The reason for this is because copper was used for the war to make bullets. They used steal for pennies during 1945 so they are supposedly to be steel. If they are copper when you find a 1945 penny then you have a very rare wheat penny worth a lot of money.

You can use the silver side trick for half dollars as well. Older half dollars are ninety percent silver and semi old Kennedy Half dollars are 30% silver.

You can also go on eBay or coin websites like heritage auctions.com. You can get US coins, International Coins, ancient coins, and more. When you bid on a coin in an auction site. Be sure to make sure that the coin is in at least fine condition. You do not want a coin that is in bad condition because it makes the coin worth less.

Coin Roll Hunting

If you really want something cool to get added to, try going to your local bank. Go to the bank where your checking account is. Ask for rolls of coins! I usually ask for a box of pennies, which is $ 25 worth of pennies or 50 rolls. I also ask for a few dime and nickel rolls. What you'll find will always be a ton of fun. I collect wheat pennies which I find in every other roll usually, Indian Head pennies which in great condition are worth at least $ 10 especially if the word "Liberty" on the headdress band is clear. The 1906 S Indian Head Penny is worth $ 600! It is rare. I've found buffalo nickels which when the dates are legitimate are worth $ 2.00 at least. I found Mercury dimes which show a winged liberty bust of lady liberty and are silver. Also, silver war nickels. Taking out a quarter roll is fun too. You'll find a few silver ones now and then. A 1932 Silver quarter is worth good money. Happy coin hunting!

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Discover The Best Way To Shop For A New Car Loan

Shopping for a new car when your old one is about to give up isn’t most people’s idea of a good time. It’s not deciding what kind of car you want that’s the problem. Most people are able to think seriously and be realistic about what kind of car they can afford to own. They’ll happily settle for a sedan, even if they dream of a sports car.

However, your credit might get in the way. If you’ve got less than great credit, car dealers can make you feel like a second class citizen. They don’t want to take the risk of selling you the car you need, so they steer you towards other, less desirable models. They don’t want to waste their time on you if you are not going to qualify for financing.

Very few people have perfect credit these days. There’s always an occasion where you miss a few payments on a credit card or other bill, or get laid off from your job and have to put off the least vital bills. However, even if things are now different and you can deal with your financial responsibilities, you’ll still have that black mark on your credit.

Credit bureaus can keep the information about those missed payments on your record for a long time. When you start investigating your options for financing your new car, they’re sure to turn up. This means that you’re on the defensive, and have to relive the period when you weren’t able to live up to your responsibilities. It’s necessary for you to explain to the dealership what happened, why you weren’t able to make those payments, and to justify your ability to make them now. Here’s some information to help you do this more easily.

The first thing you should do is realistically figure out how much you can afford for your new car payment. Don’t make the mistake of being too optimistic about your ability to save money or reduce expenses. Buying a new car shouldn’t affect your quality of life. If it’s necessary to stretch your budget that thin, you should put off getting a new car until things improve.

When you are realistically figuring out your budget, remember that cars do not drive on air. You will need to put gas in them and it would be a good idea to set aside money every month for maintenance like tires, oil changes, etc.

Also, it’s important to retain a good sense of reality in regards to how much you’ll get when you trade in your car. You probably won’t get the blue book price. For instance, if your car is worth $6000 as a trade in, realize that this is only $6000 off the sticker price of the new car. If you receive a discount on the sticker price (rarely do people ever pay the sticker price!), you probably won’t get as much for your trade-in. Sometimes the amount that the dealer discounts your trade in turns out to be the same as if you’d paid the sticker price in the first place.

However, should you be able to work things out with your dealer and arrive at a fair price, you still need to shop for a new car loan. Even if you’re getting a good deal on your trade in vehicle, you’ll almost certainly need to borrow money to buy a new car. What kind of loan you get is almost as important as picking out the car.

If you happen to have a good credit rating, you can often get a good deal on your new car financing through the dealer. They’ll use the manufacturer’s lending resources to help find you the right financing. The best deal you can get is a zero percent finance rate. There’s no interest with a zero percent rate. You can also get one point nine or two point nine percent interest rates, which are a lot better than you can get through most other lenders. Therefore, if you can get a good deal through the dealer, you should probably go for it.

However, those with less than perfect credit may need to look at other options for their new car financing. You may be able to find attractive loan programs through other lenders. These programs are designed for people with a few credit problems. You can even get loans designed for people with very poor credit or even those who’ve filed bankruptcy. However, you should be careful with these kinds of loans. Slipping up with them can put you in line for lots of fees and penalties, and the interest rate is going to be higher because they will consider you a higher risk.

Remember, when you buy a new car, shopping for the right car loan is just as important as picking out the perfect car. If you go with the first financing you’re offered, you may find yourself paying several thousand dollars more than you would have if you had bothered to shop around. Don’t underestimate the value to you of getting the right financing. There’s an option available for you, no matter what your credit history looks like.

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