Loan

Credit News

Choose Authorised Repairer: Volkswagen UK, log book loan.#Log #book #loan


Book a service

With our easy to use online booking tool, you can book your Volkswagen in for a service at your chosen Volkswagen retailer at any time. If your vehicle is affected by the NOx emissions issue, you’ll receive a letter from us when the technical measure is ready to be applied. At this point, you’ll be able to book your vehicle in for the emissions service action online here, or, you can contact your local retailer. Letters will be sent throughout the coming year.

  • 1. of 6. Choose retailer
  • 2. Your vehicle
  • 3. Select work
  • 4. Select date
  • 5. Your details
  • 6. Review Confirm

Log book loanLog book loan

  • Log book loan

Search for a retailer by name or postcode

  • Log book loan

    Enter your car registration and we’ll fill in the rest

  • Log book loan

    Choose your service and other additional work required

  • Log book loan

    You can choose the most convenient to you and have a number of courtesy options available to you, like loan car, collect and deliver

  • Log book loan

    We require some contact information to complete your booking

  • Log book loan

    Almost done! Please review and confirm your booking and your retailer will be in touch


  • Guaranteed Finance Acceptance – Approval for Bad Credit Non Status No Credit Checks Credit Cards basic Bank Accounts Loans logbook loans payday loans mortgages bad credit guaranteed catalogue accounts mobile phones IVA Bankruptcy help, log book loans.#Log #book #loans


    log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    NO CREDIT CHECKS! NO APPLICATION FEES!

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Why? Because we at Guaranteed Finance are 100% committed to helping you with the credit/financial services you need. We don’t like the terms “bad credit” or “poor credit” but we SPECIALISE in providing credit and obtaining approval for customers even if they have not so good credit status – even if you have no credit history or are looking for finance “non status”. We source ALL credit FAST!

    Log book loans

    We can provide cards – credit, debit, prepaid | bank accounts – basic, personal, business | loans – payday, logbook, unsecured | mortgages – remortgages, secured, loans | purchase finance – car loan or lease, plasma tv, ps3, mobile phones contract or payg and catalogue accounts. With Guaranteed Acceptance No Credit Checks! Plus we can provide free help and advice on IVAs and bankruptcy.

    Log book loans

    Log book loans

    Launch of new credit site! Want the latest mobile phone, 3d led tv or gadget but don’t have the cash right now? Then try Buy On Finance The best place to get what you want when you want all available on finance whatever your status!

    Great new mobile phone site JustPhones.biz with over 1/2 a million deals available you’re sure to find the right handset, contract and tariff combination – no matter what your status!

    Mobile Phones On Finance

    Guaranteed no credit check mobiles available, we don’t like the term “bad credit” but even if your credit is not so good we can find the best contract deals incl. the Apple iPhone 4s FREE on contract!

    New For Bad Credit!

    Launch of new site. Aimed at the bad or adverse credit market this site arranges the best loans, mortgages, credit cards, bank accounts, insurance, car loans mobile phones + more whatever your credit status.


    Investors Who Foresaw the Meltdown, log book loans.#Log #book #loans


    The New York Times

    Michael Lewis’s ‘Big Short’: Investors Foresaw Meltdown

    The global financial crisis of 2008, which economists estimate could result in several trillion dollars of losses and which has already cost American taxpayers billions of dollars in government bailouts, was triggered not by war or recession but by a crazy, man-made money machine, built on flawed mathematical models that most financial executives did not really understand themselves. Greedy and heedless, Wall Street firms had been turning subprime mortgages — loans made to people with low creditworthiness or little documentation — into exotic, toxic financial products that they made a fortune laundering and reselling, and they were enabled in doing so by the very ratings agencies that were supposed to police risk. The insanity of this growing and highly leveraged trade in mortgage derivatives continued even as the quality of the underlying loans grew increasingly dubious, even as it became increasingly likely that the American housing bubble was going to pop.

    The clear and present danger posed by this deranged edifice built on the unstable foundation of subprime mortgages was not foreseen by the chief executives of America’s premier banks. It was not foreseen by government regulators, by Treasury officials or by the Fed. It was foreseen, however, by a handful of investors, who were aghast at the madness they saw on the Street and who used their prescience to make a fortune off the financial system’s calamitous meltdown. Some of their stories are told by Michael Lewis in “The Big Short.”

    No one writes with more narrative panache about money and finance than Mr. Lewis, the author of “Liar’s Poker,” that now classic portrait of 1980s Wall Street. His entertaining new book does not attempt a macro view of the financial crisis, but instead proposes to open a small window on the calamities by recounting the stories of some savvy renegades who cashed in on their conviction that the system was rotten. In doing so Mr. Lewis faces the same problem that the Wall Street Journal reporter Gregory Zuckerman faced in “The Greatest Trade Ever,” his recent book about John Paulson, a hedge fund manager who made $15 billion in 2007 by shorting the housing bubble — the problem, namely, that the reader is put in the position of rooting for people who, while smarter or more farsighted than those who helped bring about catastrophe in the first place, were nonetheless trying to make money (who saw a rare opportunity, as one put it) by betting against the health of our financial system.

    Still, Mr. Lewis does a nimble job of using his subjects’ stories to explicate the greed, idiocies and hypocrisies of a system notably lacking in grown-up supervision, a system filled with firms that “disdained the need for government regulation in good times” but “insisted on being rescued by government in bad times.”

    Mr. Lewis argues that the roots of the meltdown of 2008 can be found in the 1980s of “Liar’s Poker,” when complex financial products like mortgage derivatives were developed. He also suggests that these financial instruments (which had names like “the synthetic subprime mortgage bond-backed C.D.O., or collateralized debt obligation”) grew increasingly opaque and complex to help obscure the fact that they were built around increasingly suspect loans: “low-doc or no-doc loans” requiring little documentation, adjustable-rate mortgages that ballooned after two years, “interest-only negative-amortizing adjustable-rate subprime” mortgages, and mortgages given to migrant workers and poor immigrants with little or no English.

    Log book loans

    As Mr. Lewis describes it, Wall Street firms were able “to hide the risk by complicating it” and by getting the rating agencies — notably, Moody’s and Standard Poor’s — to give triple-A ratings to bonds that were far lower in quality. Why, he asks, “were Moody’s and Standard Poor’s willing to bless 80 percent of a pool of dicey mortgage loans with the same triple-A rating they bestowed on the debts of the U.S. Treasury?” Because, he suggests, Wall Street firms knew how to game the system; they knew how to get the rating agencies (which were eager to collect big fees for their services) to ineptly rate dangerous bonds. Most evaluation models, he observes, were based on rising house prices and used “the foreshortened, statistically meaningless past to predict the future”; this was how “the entire food chain of intermediaries in the subprime mortgage machine” was able to dupe itself.

    Writing in faintly Tom Wolfe-ian prose, Mr. Lewis does a colorful job of introducing the lay reader to the Darwinian world of the bond market: “An investor who went from the stock market to the bond market,” he writes, “was like a small, furry creature raised on an island without predators removed to a pit full of pythons.” He draws equally lively portraits of the central characters in his story. All, he notes, were oddballs or outsiders — people impervious to groupthink and conventional wisdom, and each of them, he says, “told you something about the state of the financial system, in the same way that people who survive a plane crash told you something about the accident, and also about the nature of people who survive accidents.”

    To begin with, there’s Steve Eisman, who had started out “a strident Republican” and was on his way “to becoming the financial market’s first socialist” as he grew increasingly convinced that “an entire industry, called consumer finance,” basically “existed to rip people off.” Mr. Eisman and his team “had a from-the-ground-up understanding of both the U.S. housing market and Wall Street,” Mr. Lewis writes, and by performing the sort of nitty-gritty credit analysis on mortgages (that should have been done before the loans were made in the first place), they realized that they could make a fortune by shorting the worst of the worst.

    Then there is Michael Burry, a doctor with Asperger’s syndrome, who’d become obsessed with investing and started a fund with money from a small settlement his family received when his father died after a medical misdiagnosis. Dr. Burry immersed himself in studying the bond market in 2004 and became convinced that lending standards had declined so alarmingly that he could make money by shorting subprime mortgage bonds; by the end of 2007, Mr. Lewis reports, “he would have realized profits of more than $720 million” for his fund.

    Finally, there is the “garage band hedge fund” started by Jamie Mai and Charlie Ledley in 2003 with a Schwab account containing $110,000 and housed in a shed in the back of a friend’s house in Berkeley, Calif. Mr. Ledley believed, Mr. Lewis writes, “that the best way to make money on Wall Street was to seek out whatever it was that Wall Street believed was least likely to happen, and bet on its happening.” In this case, his contrarian instincts told him, in Mr. Lewis’s words, that “the markets were predisposed to underestimating the likelihood of dramatic change.”

    Four and a half years later the American economy was in trouble, and, Mr. Lewis says, the fund run by Mr. Ledley, Mr. Mai and their partner, Ben Hockett, would net more than $80 million.


    Breakdown cover, Insurance, Route Planner, AA, log book loans.#Log #book #loans


    log book loans

    Pay £115 or less for 5 star rated cover for your home

    What do you need?
    Advice
    Keep your home safe and warm
    Places to stay
    Places to eat and drink
    Things to do
    What do you need?
    Advice
    Secure your holiday money
    What do you need?
    Advice
    Secure your holiday money
    Car kits and accessories
    Bookshop
    Maps and Atlases
    Manage your finances
    Insurance customer?
    Your account
    Log in or register
    My AA Account

    Sign in to see your cover and request assistance online

    Don’t have a My AA account?

    You’ll need your policy or membership number

    Your Finances
    Your Driving Lessons

    Keep your big wheels turnin

    with unlimited callouts

    Log book loansLog book loans/media/the-aa/related-product/car-genie/car-genie-desktop-half-width-3.jpg” /> Log book loans/media/the-aa/related-product/car-genie/car-genie-tablet-half-width-3.jpg” /> Log book loansLog book loans/media/the-aa/related-product/financial-services/car-loans-desktop-half-width.jpg” /> Log book loans/media/the-aa/related-product/financial-services/car-loans-tablet-half-width.jpg” /> Log book loansLog book loans/media/the-aa/related-product/insurance/car-insurance/car-insurance-countryside-desktop-full-width-v-2.jpg” /> Log book loans/media/the-aa/related-product/insurance/car-insurance/car-insurance-countryside-desktop-full-width-v-2.jpg” /> Log book loans

    Breakdown cover, Insurance, Route Planner, AA, log book loans.#Log #book #loans


    log book loans

    Pay £115 or less for 5 star rated cover for your home

    What do you need?
    Advice
    Keep your home safe and warm
    Places to stay
    Places to eat and drink
    Things to do
    What do you need?
    Advice
    Secure your holiday money
    What do you need?
    Advice
    Secure your holiday money
    Car kits and accessories
    Bookshop
    Maps and Atlases
    Manage your finances
    Insurance customer?
    Your account
    Log in or register
    My AA Account

    Sign in to see your cover and request assistance online

    Don’t have a My AA account?

    You’ll need your policy or membership number

    Your Finances
    Your Driving Lessons

    Keep your big wheels turnin

    with unlimited callouts

    Log book loansLog book loans/media/the-aa/related-product/car-genie/car-genie-desktop-half-width-3.jpg” /> Log book loans/media/the-aa/related-product/car-genie/car-genie-tablet-half-width-3.jpg” /> Log book loansLog book loans/media/the-aa/related-product/financial-services/car-loans-desktop-half-width.jpg” /> Log book loans/media/the-aa/related-product/financial-services/car-loans-tablet-half-width.jpg” /> Log book loansLog book loans/media/the-aa/related-product/insurance/car-insurance/car-insurance-countryside-desktop-full-width-v-2.jpg” /> Log book loans/media/the-aa/related-product/insurance/car-insurance/car-insurance-countryside-desktop-full-width-v-2.jpg” /> Log book loans

    Log Cabin Connection, Log Home Tips, Advice, Information and Resources, log book loans.#Log #book #loans


    Do You Dream About

    Living in a Log Cabin?

    Welcome to Log Cabin Connection! This is a collection of tips, advice and resources pertaining to cabins and log homes, gleaned from years of experience as a licensed contractor and log home builder in the mountains of western North Carolina.

    Log book loans

    Our aim is to provide a complete compendium of ideas and best practices for everyone intrigued by log home living. We will follow the process of achieving your dream of living in your own log home from start to finish.

    Log Cabin Connection is a one-stop resource for questions, guidance, advice and practical step-by-step instructions for your log home needs.

    Spend some time looking around or search the site using this search box:

    PLANNING THE PERFECT LOG HOME

    All great journeys begin with the first step, and this can be the most fun of all as you dream about the perfect cabin design and begin to make preparations by buying land for your cabin.

    Do you see this as your long-term home? Consider universal design ideas that would allow you to retire in your cabin.

    Learn about the different styles of logs used to build cabins and how you can save money right from the start with clever cabin design tips.

    Are you concerned how you can finance a log home? We’ll cover:

    We provide you with cabin floor plans as well as options and resources for online cabin plans. Or design your own cabin using log home design software that provides 3-dimensional views and virtual walk-throughs.

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    BUILDING LOG CABINS

    When you’re ready to begin building your log cabin, you can turn to this section where we cover all the best building practices and share the building tips we’ve learned building cabins. We discuss log home building tools and log home building schools. We cover everything from cabin roofing to SIPs to choosing the best cabin ceiling fans.

    If you’re interested in cabins, you’re probably already interested in green living.

    Some people will be interested in building with a log home kit so we share what to shop for, and discuss log home manufacturers, cabin kits and what you can expect to spend, the new trend towards smaller log homes, and the surprising value offered by modular log homes, including a prefab cabin construction timeline.

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    Log book loans

    LOG HOME LIVING

    Every home requires on-going maintenance and log homes are no exception. To keep your log home in top shape we cover the issues unique to log homes:

    Should it get a bit run-down, we cover cabin repair and the more extensive log home restoration, along with ideas and checklists for cabin inspections to help you evaluate a cabin you’re buying or your own cabin.

    Our section on cabin rentals covers what to keep in mind when renting a cabin, some great areas of the country to visit while renting and some of the best honeymoon rentals available.

    If you’re curious about the tiny house movement, you want to live off the grid with limited funds or you just want to enjoy the land you bought on the lake without building a large log home, check out our Small Cabin page for more information on:

    Log book loans

    Log book loans

    Log book loans


    The HAMS Alcohol Harm Reduction Book #hams, #alcohol, #harm #reduction, #alcohol #harm #reduction, #alcohol #harm #reduction #book, #drinking #harm #reduction, #book, #safer #drinking, #reduced #drinking


    #

    How to Change Your Drinking is the handbook of the HAMS alcohol harm reduction program. It is available from Amazon as either a paperback or a Kindle eBook . This guide book gives you everything you need to attain goals of safer drinking, reduced drinking, or quitting alcohol altogether. There are numerous evidence-based exercises and worksheets for changing your drinking habits and the science which backs them up is explained as well. This book has received the Self-Help Seal Of Merit from Association for Behavioral and Cognitive Therapies. Get this book and start changing your drinking habits today.

    About the Author: Kenneth Anderson, MA is the founder and executive director of HAMS: Harm Reduction for Alcohol. He holds a masters degree in mental health and substance abuse counseling and is currently pursuing a doctorate in addiction psychology. Anderson has been working in the field of harm reduction since 2002. He has worked “in the trenches” of harm reduction by doing needle exchange in Minneapolis and has served as online director for Moderation Management and director of development for the Lower East Side Harm Reduction Center. Anderson has presented the HAMS program at such venues as NYU, Harlem United, and The New School University. He has also been a regular presenter at the National Harm Reduction Conference since 2008.

    Editorial Reviews

    “HAMS is a person-to-person, grass roots effort to translate into ground-level reality the often abstract claims made by what has become the major reform movement in drug (less so alcohol) policy and (less often) treatment – harm reduction. The truth is that people struggle over their lifetimes to reduce problems associated with substance use and abuse; that few human beings abstain completely and permanently (even among those claiming to do so under the auspices of AA and rehab); yet nonetheless most make improvements in their lives and substance use. NOTHING WE CAN DO by passing laws, trying to herd every substance abuser into treatment, or admonishing high school students never to drink or to take drugs can change this larger human reality. In fact, the reverse is true, and the need to recognize the extent of substance use and abuse in our society increases rapidly, and more people require realistic, harm reduction oriented help. This is not a popular – even an acceptable – truism in the United States, despite ample evidence every day that our larger political and public health policies are meaningless, or worse, counterproductive.

    “HAMS is for the large majority of substance users who have problems who remain unserved by our current Alice In Wonderland approaches. The often unacknowledged, majority.”

    “Harm reduction programs:

    • meet people “where they are” with their drinking,
    • don’t label people as addicted, diseased or alcoholic,
    • empower people to choose their own goals, which can be safer drinking, reduced drinking or abstinence, and
    • help people achieve the drinking goals they have chosen.

    How to Change Your Drinking presents 17 elements (not steps) from which readers can choose to use in their program of harm reduction. The many supporting chapters are short and reader-friendly but based on solid research.

    “This handbook is pragmatic and excellent.”

    –David J. Hanson, Ph.D.
    Professor Emeritus of Sociology, SUNY, Potsdam.
    Web site – Alcohol: Problems & Solutions

    “In the world of one-size-fits-all treatment programs for alcohol problems, Kenneth Anderson’s book is unique in offering a veritable smorgasbord of choices–everything from safe drinking strategies to cognitive and behavior therapies to naltrexone and The Sinclair Method and more. Mr. Anderson is to be applauded for making a host of options available to people who have been failed by more conventional treatment approaches. Because of its wide scope, I believe that this book should be required reading for psychologists, nurses, medical students, families, ‘alcoholics’ and substance abuse therapists, family practitioners, and law enforcement officials.”

    “Ken Anderson’s book is an excellent and refreshing resource for those wishing to successfully modify their drinking and/or avoid the life-killing programs that now pass for ‘treatment’ in the U.S. Not only does the material reflect the actual research, but it also debunks the AA/12 Step myths that have dominated our culture to the extent that intelligent people have nowhere to turn for help. I am happy to recommend this book to anyone looking to educate and inform themselves, spouses, family members and friends.”

    “Finally! A comprehensive, user friendly, intelligent look at reducing the risks associated with alcohol use from a Harm Reduction perspective. Every aspect, including history, myths and facts, physical/emotional manifestations of alcohol use, and of course, harm reduction theory and action steps toward minimizing negative effects, recovery and beyond. Take your time this ‘manual’ reads like a work book and can be one of your most important references on this topic. This has also become mandatory reading for all of our direct services staff and a reference for participant discussion. Well worth adding it to your library.”

    “How do some people drink and not turn it into a problem? How to Change Your Drinking: A Harm Reduction Guide to Alcohol discusses how to encourage moderation and reduction in one’s drinking habits, whether one just wants to clean their habits up or simply wants to quit entirely. From preventing blackouts to cultural differences and more, How to Change Your Drinking is a useful read for anyone who wants to bring their alcohol consumption under their control.”

    Table of Contents (2nd ed)

    • PREFACE by G. Alan Marlatt. PhD
  • INTRODUCTION by Patt Denning, PhD

  • PART I: BETTER IS BETTER – THE NUTS AND BOLTS OF HARM REDUCTION

  • Chapter One: Introducing Harm Reduction for Alcohol
  • Chapter Two: How the HAMS Approach Works

  • PART II: HOW TO BUILD YOUR OWN ALCOHOL HARM REDUCTION PROGRAM – THE HAMS ELEMENTS

  • Chapter Three: Weighing the Pros and Cons of Your Drinking
  • Chapter Four: Choosing Your Drinking Goal
  • Chapter Five: Risk Ranking
  • Chapter Six: The Alcohol Harm Reduction Toolbox
  • Chapter Seven: Making Your Plan
  • Chapter Eight: Alcohol-Free Time
  • Chapter Nine: Coping With Life Without Relying on Booze
  • Chapter Ten: Alcohol and Outside Issues
  • Chapter Eleven: Having Fun Without Booze
  • Chapter Twelve: You Are What You Believe
  • Chapter Thirteen: Charting and Measuring
  • Chapter Fourteen: Tweaking the Plan
  • Chapter Fifteen: Damage Control: Dealing With Slips, Setbacks, and Ricochets
  • Chapter Sixteen: Patience, Practice, and Persistence
  • Chapter Seventeen: Graduating, Staying, or Returning
  • Chapter Eighteen: Praise yourself for every success
  • Chapter Nineteen: Moving at Your Own Pace

  • PART III: EVERYTHING YOU ALWAYS WANTED TO KNOW ABOUT ALCOHOL*
    *But you got told to go to AA and not to ask

  • Chapter Twenty: Alcohol and the brain
  • Chapter Twenty One: Alcohol and the body
  • Chapter Twenty Two: Preventing Alcohol Withdrawal
  • Chapter Twenty Three: Alcohol Tolerance
  • Chapter Twenty Four: Hangover
  • Chapter Twenty Five: Preventing Alcoholic blackouts
  • Chapter Twenty Six: Facts and myths about cross addiction and cross tolerance

  • PART IV: HARM REDUCTION IN CONTEXT

  • Chapter Twenty Seven: Harm Reduction Information for Friends and Family of Drinkers
  • Chapter Twenty Eight: The HAMS Support Group
  • Chapter Twenty Nine: Harm Reduction and the Stages of Change Model
  • Chapter Thirty: Alcohol, Individual and Environment
  • Chapter Thirty One: How the Meaning of the Word “Alcoholism” Has Changed
  • Chapter Thirty Two: To the Health Care Professional

  • APPENDIX I: Alcohol and Drug Interactions
  • APPENDIX II: BAC Charts
  • APPENDIX III: Naltrexone and the Magic of Pharmacological Extinction
  • APPENDIX IV: How Effective Is AA and 12 Step Treatment?
  • APPENDIX V: Carbs, Sugar, and Alcohol Content of Various Alcoholic Drinks


  • Automotive Tools Tips Advice – Kelley Blue Book #best #bank #loans


    #car loan
    #

    Upside-down on a Loan?

    Advertisement

    It is common knowledge among automotive salespeople that roughly two-thirds, more or less, of all new-car buyers who walk into a dealer’s showroom have a current car to trade in, and roughly two-thirds of those, more or less, owe more on that existing vehicle than its trade-in value. If you owe more on something than it’s worth, in the terminology of the industry that is known as being “upside-down,” and it applies to roughly half of all new-car buyers. This didn’t used to be so common, as there was a time when a prudent buyer tended to purchase a car and diligently pay it off. But, with incentives on the rise, low-interest, long-term loans dominating the financial landscape and increasing numbers of buyers over-extending themselves by seeking instant automotive gratification, more people are finding themselves in the situation of owing more on the vehicle loan than the car is worth.

    In a market that pushes the newest, latest car designs, many people feel they have to get into a new car — whatever it takes. Others simply don’t feel comfortable driving a car that is out of warranty or has a lot of miles on the odometer. Whatever the reason, the fact remains that dealers and financial organizations are willing to accommodate these purchases by making deals that roll-over the debt owed from the trade-in and add it to the financing for the new car with, understandably, a higher loan amount over a longer period of time. This is done to keep the monthly payment low enough to be affordable. What sometimes doesn’t get noticed by the buyer is that he or she is now making payments on two cars — the new one and what was left of the old one — and taking a very long time to pay it all off.

    Furthermore, when a buyer is described as being upside-down it is quite often not for just a few thousand dollars. Many buyers are upside-down by 10 or 20 thousand dollars, or even more and, at their current rates, it will be years before they are even.

    Why is this so common?

    The combination of hefty incentives, smaller down payments and the general willingness on both financial and dealer organizations’ parts to create roll-over loans has influenced the market to accommodate lenders’ needs and find creative solutions to getting buyers into new vehicles. Some of these methods are less desirable than others but, ultimately, it’s a personal financial decision a car buyer must make before taking the plunge. And, in truth, the real reason many people are so far upside-down is because they were too eager to get a new car and didn’t consider the financial consequences. When a buyer is heavily upside-down, it didn’t happen by accident.

    Understand Your Position

    Don’t know if you’re in this situation? To find out, simply look up the trade-in value of your current vehicle — be sure to rate your vehicle’s condition by selecting the “Rate It” link on the pricing pages. If your trade-in value is less than the balance of your current car loan, you are upside-down by that amount; if you were to trade in that car on the new car, you would still have to give the dealership the additional money just to come out even on the trade. Check out your car’s private party amount. Is it still less than your debt? If not, you may want to try selling it yourself.

    Understand Your Options

    If you find yourself in this position, you have several options — each with benefits and risks attached:

    Option 1: Roll-over the existing debt to a new car loan

    Benefit:

    The biggest benefit to choosing this option is that you will be able to drive that new car off the lot, possibly for a comparable monthly payment.

    ent.

    Risk:

    You will probably be asked to finance a long-term loan, which means you will owe a lot more than the new car is worth, and is going to be worth, for an even longer period of time.

    Option 2: Find a new car with an incentive amount that covers your debt

    Benefit:

    This finance trick is great for covering the amount of your trade-in debt and will eliminate the roll-over effect.

    Risk:

    Remember that with most incentivized vehicles the resale value is taken out of the car up-front. In other words, you’ll find these cars’ values drop faster than other cars that do not have incentives, thus placing you in another upside-down position later. NOTE: This is still less risky than Option 1 because, in this case, the manufacturer has absorbed part or all of the negative balance.

    Option 3: Keep the car you have until its value catches up

    Benefit:

    The obvious benefit here is that you will have equity to work with when you’re ready to look for a new car. Generally, this is the wisest financial choice and, taken to its logical conclusion, it will get you back on top of things. But it doesn’t satisfy many buyers’ desires for instant automotive gratification.

    Risk:

    The only risk is that your car could have excessive miles and damage, reducing the amount you have to barter with. But, if you can live with it for a while and pay it off, you will eventually be back in a much better financial position.

    Option 4: Refinance your existing car with a shorter-term loan

    Benefit:

    Third-party financial companies, like  LightStream, an online lending division of SunTrust Bank. offer refinancing loans that could speed up the time it takes to get your loan healthy.

    Risk:

    You risk missing out on getting those new wheels, of course, but you may also find yourself outside your current car’s warranty coverage and accumulating a lot of miles on it. And, to restructure in this way will almost certainly mean your monthly payments will increase — after all, you’re refinancing the remaining portion of an existing loan over a shorter time period.

    As you can see, both consumers and dealers are coming up with highly creative ways to deal with this growing issue. The biggest danger is that rising interest rates — even increases as small as one percent — could equate to an increase of several hundred, or even a few thousand dollars over the life of the loan. With some loans being financed for terms as long as 96 months (eight years), the effect of rising interest rates and the practice of rolling-over an existing loan into a new one could result in an unfortunate situation that would negatively affect your personal financial health. And all for a new car.

    Avoid Being Upside-Down Again

    Finally, here is some general advice on things you could do before you pursue your next car purchase:

    • Educate yourself on your credit score don’t pay a higher interest rate than you need to.
    • Educate yourself on available interest rates in the marketplace before applying for a loan; know a good rate when you see one.
    • Do plenty of pricing research on available new car and trade-in values to get a good value on both transactions.
    • Match your loan to your expected ownership length of time; a longer loan will help keep monthly payments low, but chances are it will lead to being upside-down when the time comes to trade in for yet another new car.

    Automotive Tools Tips Advice – Kelley Blue Book #litton #loan #servicing


    #no interest loans
    #

    Zero-Percent Financing: Financial Fact or Fiction?

    Advertisement

    When you hear or see ads touting zero-percent financing, your first reaction may be one of skepticism. How can any finance company offer a car loan with no interest? Yet, zero-percent financing is currently one of the most popular incentives in the automotive industry, and it is offered by the finance arms of major automotive manufacturers.

    Just as they offer vehicles with cash rebates, car companies subsidize the finance arms of their corporations, essentially pre-paying the loan interest on specific models. Each company follows the individual formula that works best for it depending upon the cost of the vehicle and the loan term.

    The automotive industry on the whole has been on a downward sales trend since before the events of 9/11 and, since that time, zero-percent financing has been offered on more brands than ever.

    Does zero-percent financing work? In large part, yes. According to the J.D. Power Dealer Finance Study, it is considered to be one of the most successful motivators to get car buyers into dealerships. Another side of the issue is that while the enticement of zero-percent financing brings many car buyers into the dealerships, those buyers may not necessarily end up with the zero-percent loan — for a variety of reasons, which we’ll explore.

    When it comes to zero-percent financing, what is fact and what is fiction?

    1. Zero-percent financing usually requires a shorter-term loan, which can require higher payments.

    The most common zero-percent finance deals tend not to extend for as long as the conventional auto loans, so many buyers may opt for the conventional loans in order to keep the monthly payments lower — even though they will end up paying a lot more money in the long term. There are, however, exceptions to this rule, in which zero-percent financing may be offered in longer terms.

  • Zero-percent financing requires unblemished credit to qualify.
    Not necessarily, as some finance programs are moving to go after an expanded audience of buyers with less than perfect credit scores.
  • Zero-percent financing is available only on a limited number of models in dealer stock — not on special orders or certain option packages.
    Most zero-percent deals tend to apply only to the vehicles on the dealer lot and they may not include special option packages or premium models.
  • Zero-percent financing is usually offered in an either/or situation with a cash rebate and you must choose between the two.
    Most of the programs typically follow this formula.
  • If you qualify for zero-percent financing, negotiating a lower price on the vehicle may be more challenging.
    Although this may happen, a reputable dealership will be open to negotiating the deal before applying the zero-percent financing to your sale. As always, we recommend you do your homework before buying.
  • Even if you do not qualify for zero-percent financing, excellent interest rates are available.

    An online lender such as LightStream, an online lending division of SunTrust Bank. can, in many cases, get you a lower interest rate than a dealer might offer. For this reason, we recommend shopping loans online to make the best possible choice before you go to the dealership.

  • With all these facts in mind, many people will be attracted to zero-percent financing. Although this trend has been around for a couple of years, most industry experts believe it can’t last forever. With the advent of lower interest rates and flexible terms, today’s car buyers are finding creative financing options at an all-time high. And, with the economic challenges facing many car buyers, these programs will continue to bring buyers into dealerships.


    UK Logbook Loans – Free Quotes on Log Book Loans #easy #cash #loans


    #log book loan
    #

    UK Logbook Loans – Free Quotes on Log Book Loans

    UK Logbook Loans

    If you have a car, you could continue driving it while getting a short term loan against it. The amount you can borrow will vary depending on the value of the car and other factors. Additionally, the amount of money you will pay back will vary, but in tough economic times, having a source of extra money when you need it can make ALL the difference.

    The exact process of getting a logbook loan is quite simple. It begins with filling out a simple and secure online form and ends with you getting the money you need transferred to your bank account quickly. Within 24 hours (or a lot sooner) in most cases, you will be able to get a short term loan against the value of your vehicle. Of course, the better the vehicle, the more you will be able to get for your loan.

    Here is a look at some of the reasons you should consider a logbook loan in the UK.

    • You can get a loans for any reason no questions asked!
    • Thanks to the Internet, you can apply instantly online safely and easily.
    • You can get the money you need usually within 24 hours.
    • There are options if you want to pay back your loan early.
    • Worried about a personal credit check? Do not be worried at all.

    When it comes to Logbook Loans in the UK, we are a place where you can QUICKLY and SECURELY find out how much money you can borrow quickly and without a hassle. You are going to have to give some information, but it is important to realize that it is safely and securely transferred at all times so your person information is safe. And thanks to the Internet, you will quickly be able to find out how much money you can borrow, when you have to pay it back, and the interest that you will have to pay in addition to the amount you borrowed.

    If you need a no-credit check CASH loan, and you are over 18 years of age and own your vehicle, you can use the car or truck to get a loan while still being able to drive your vehicle. You will be given instructions on how much you have to pay back and when you will have to pay it back, but all of this is simple. The good news is that you will get the pounds you need quickly for whatever reason. For those who may not have the best credit rating, a logbook loan may be the way to go.

    To get a logbook loan in the UK, follow the simple three step process below.