Best Car Loan Terms – Negotiate and Save

Emery

When shopping for a car at dealerships people need to be careful about the purchasing process to make sure that the best deal is obtained. Car salesmen are in the business of selling vehicles in order to make money and they do that by getting buyers to pay the highest possible rate for the car they want. In order to purchase a vehicle and get a great loan agreement, you have to take the right steps.

First shop around. Don’t get your heart set on one particular car if you want the best terms. There are many dealerships around with similar cars that can be purchased with better loan conditions and for a lower price. Know what the prices are at other car dealerships. If you can show a salesman that the same vehicle is for sale for less money at another dealership then they will probably match or beat that price. Also, be sure to know what the book value is for what you are trying to buy. Don’t listen to garbage about how blue book value isn’t accurate or that they base their trade-in offer on what price they can get your car for at an auction. Be firm in the price that is expected for the trade-in value and leaves if it is unacceptable. Although, a Wells Fargo Personal Loan is a great way to consolidate high-interest rate balances that you can go for. You can use this personal loan to pay for your dream car without paying too much interest rates.

Once the cost has been negotiated on the vehicle of choice then begin the search for the best loan terms possible. Car loans can be obtained from the place of purchase from private lenders like banks and credit unions. Sometimes the dealer has the best interest rates and loan terms because they have a high volume of inventory that goes through the lender so the lender offers them great deals on loans for their customers.

Also, check credit unions and banks for the best loan terms. Look on the internet and see if other lenders are interested in your loan. Once all of the offers are in, compare them and choose the best one. Tell the salesmen that you are comparing the best loan terms and they may be able to put a better deal on the table. Often, dealers get kickbacks from the loan companies which makes it worth it to them to keep your loan in house and give the best terms.

Be ready to walk away. If you do not get the price on the car or the loan terms desired then walking away may be the best option. There are always other cars out there that can be bought for a better deal. Many times the salesperson will even chase after customers once they realize that they are really leaving and then a lower price or better loan terms may be offered so that the deal does not fall through.

Health Insurance Companies and the Cost of Healthcare

Emery

About a year ago, my doctor and I discussed a surgical procedure that would alleviate some issues I have had over the past couple of years. Our discussion did not center on my well being as a patient, although that was the ultimate goal. Rather, it revolved around the cost associated with the surgery and whether or not health insurance would cover it. Unfortunately, this was not my first conversation with a health care provider regarding health insurance and probably won’t be my last. I have gone from having no health insurance coverage, while in college, to having a major HMO plan when I worked for a large corporation, to being covered, sporadically, while being self-employed. Moreover, medical insurance has become a necessity these days. You should also know how mental health problems can affect insurance cover which is why keeping yourself mentally and physically healthy is really important. 

After being married a few years, my husband and I learned the difference between insurance paid health costs and those costs paid, out-of-pocket. This happened when my doctor confirmed we would be having our first child. We were very excited even as we were directed to the doctor’s billing office to arrange payment. We were asked if we had health insurance. We did, indeed, have health insurance, but had learned that it did not cover maternity costs. We were told our cost to the doctor, especially if paid up-front, would be much less than if our insurance had covered it anyway. What we learned was that doctors and hospitals charge a much higher rate for those covered by insurance due to the extra costs they incur in having to deal with health insurance companies in the first place! We were shocked by this but were glad that our payment made that day was lower than it would have been had we actually had coverage. About a week later, we visited the hospital for a tour of the maternity unit and paid them for their upcoming services too.

Approximately eight months later, our baby girl was born via emergency surgery. After returning home, I received a bill from the hospital for around ten thousand dollars. I also got an extra bill from my doctor as well. I was devastated. We had just brought home our newborn baby and what should have been a joyous time, became a very stressful one. However, we quickly paid the doctor for his additional services and I began making monthly payments to the hospital. I was told that since emergency surgery was performed, that our insurance may end up paying part of the bill. I contacted our insurance company and they said, no.

Six busy months with our daughter had quickly passed when I got a call from the hospital. The lady on the other end of the phone said, “I see you have been making payments to us for a while.” Then she laughed and said, “With the rate, you’re going, this bill will take forever to pay off! We were mistaken in billing you as much as we did. You really only owe fifteen hundred dollars. Would you like to put that on a credit card?” She went on to tell me that they had inadvertently billed me the hospital’s “insurance rate”. I was relieved that I didn’t owe the larger amount, but it made me realize just how much the cost of healthcare was inflated due to the involvement of health insurance companies.

Being self-employed now, we have tried individual health insurance plans and they simply do not work. What I have found is, the monthly premiums start out at a somewhat reasonable rate, but they eventually increase dramatically in price after about a year. When we try to use the coverage for nothing more than a doctor’s visit, we are billed the insurance rate. That rate can result in much more money owed than if we had simply paid out-of-pocket in the first place. My experience with health insurance companies is that they have added a tremendous amount of cost and complexity to something very personal. When a doctor and their patient have to be concerned with the price of a procedure, rather than the well-being of the patient, it’s evident that the insurance companies have taken the care out of healthcare.

An Under-Floor Heater Can Give You Warm Floors In The Winter

Emery

Being the youngest brother, my first assignment every morning in the winter was to light all the gas fired radiators in our home. That meant cold rooms, cold floors and cold hands as I hopped about trying to get it over with so I could get to the kitchen stove and light the stove top burners for some warmth. It was not fun and I would have rejoiced if there had been an alternative, any alternative. Now there are several options, but one of them has several advantages. This option is electrical under-floor heating.

A quick comparison of electrical under-floor heating with other common systems is well worth the time and effort.

The widespread use of forced air heating has many people believing that this method is the best choice for heating a home or business space. However, other options are available and one of the very best is underfloor heating powered by electricity. These underfloor systems have enough variety to fit almost any space and can be used in existing homes as well as new homes.

There are older homes which still have a radiator system and they are prime targets for the under-floor heating advance. Think how much better it would be to stop waiting for the radiators to heat the air and just step our of bed onto a warm and toasty floor with the air already warmed!

Heating the air in a home can be a continuous process, depending on how much or how little insulation there is in the building. Under floor heating doesn’t require as much steady heating because it replaces one of the cold, often uninsulated spot, the floor.

The room does require good ventilation to make the atmosphere nice otherwise there is going to be a suffocating feeling and insulation does play a major role in it. It is not something like heating oil services in New Jersey but only a significant quantity that is needed at home.

An under-floor installation is usually a series of mats which have copper wires placed in the mat. These mats can be shaped to fit almost any room and will assure there few, if any, cold spots. In fact, the mats are easy enough to install that do-it-your-self people have put them down on their own. Using insulation boards in conjunction with the mats provides a stable and low energy cost warming setup.

Some significant advantages come with an electrical under-floor heating system. For example, the system is invisible meaning that no special decorations are necessary to “hide” anything.

One of the most important good aspects of under-floor heating is a savings of 10% to 15% in electrical costs.

Dust and other undesirable particles are not scattered about the rooms as in forced air heating. A steady warm flow of air rises uniformly across the heated area keeping “breezy” areas from being created.

And electrical under-floor heating is fast. The warmth of a room increases more rapidly than with other systems. Moreover, the room temperature tends to be more stable since all areas are heated at the same time.

If you are renovating, or building anew, the investigation of electrical under-floor heating along with insulated boards is a wise thing to include in your plans. It saves money, stops dirt transfer by forced air, is quick to provide warmth, fits almost any room and does not require special decorations or have a need for vents. A worthy and warm system.

5 Best Impact Drivers To Check Out This Year

Emery

Impact drivers are a nifty tool when you need to drive in long and large screws into tough wooden surfaces. From building decks to fixing tile backing board, impact drivers are great for a lot of woodworking activities. Are you on the hunt of a credible impact driver? Now, the current market is flooded with a wealth of impact drivers but then not all would be equally fantastic for you. Buying an impact driver is a considerable investment and you have to be extremely careful while choosing the tool. However, the good part is, the post below shares a brief on some of the best impact drivers you will find in the market today.

Milwaukee M12

You have a solid 12V driver here which can work with all kinds of screws and even 3/8” x 3” lag bolts. Thanks to its compact design, this makes an ideal tool when you need to work in constricted places. It comes with brushless motor and in-built LED light that helps you when you have to work in dark. Users are fond of its convenient speed-mode selector that enables you to choose from 3 modes. The M12 is widely used by contractors and can sustain daily use. The tool comes with 5-year limited warranty on driver as well as 2 years of free service for battery.

Black+Decker 20V

If you need a powerful driver on budget, swear by Black+Decker. This powerful 20V tool can be used for almost all kinds of screws ranging from deck screws, cabinet screws to 4.5” lag bolts. However, this is not the tool for professional use. If you need an economical and standard impact driver for your occasional handyman jobs, this would be a great option for you. Black+Decker impact driver comes with 2 years of limited warranty.

DeWalt 20V

The advanced DeWalt certainly bags a good place in the list of top 10 best impact drivers you will find today. Equipped with 20V power, 1,825”-lbs torque as well as huge 4.0 Ah (2) batteries, this one is one of the best professional-quality impact drivers. The driver offers you to choose from 3 power settings and its easy mechanical switch makes the whole process a breeze. DeWalt 20V comes with a reliable one-handed chuck while its 3 LED lights assure a properly illuminated working space for more efficient operation. If you are on budget, you can also buy the model with 2.0 batteries. The driver carries 3 years of limited warranty, 1 year of free service as well as 3 years of free service for the battery.

Bosch 12V

Are you looking for a credible impact driver for delicate woodworking jobs? Well, in that case, you can count on Bosch 12V driver eyes closed. It comes with low-speed torque which makes it a perfect for delicate projects. But then, while tested the Bosch  tool produced great results on larger and larger screws too such as 3/8” lag bolts. However, yes, the driver is slightly slower I operation compared to other high end models but then it can do your job pretty well. In fact, as per Bosch claims, this 12V model is capable of doing around 85% driving jobs in professional sites. So, even if you don’t want it as your main driver, you can have it as your backup driving tool in your workshop. It comes with 1 year limited warranty.

Ridgid 18V

This StealthForce 18V Pulse Driver stands out with its oil-pulse technology which lessens metal-on-metal contact. It consequently makes the driver way quieter  compared to conventional  counterparts. Besides, its sustained pulses make fastening quicker and that too with fewer RPMs and less torque. There is a simple easy 3-position mechanical switch which allows convenient switching in between speed settings. Mention must be made of 3 vibrant LEDs as well which do a lot to keep your working area i8lluminated for safe and easy operation. Ridgid 18V carries the very feel and heft of a good contractor-standard tool  and can drive large fasteners sans slowing down. It can also work with little self-tapping screws. It comes with Lifetime Service warranty.

So, you have quite a versatile list here. Choose a one according to your budget and project requirements.

Where to Find the Best Gardens in the Shreveport Area

Emery

When you plan a trip to Shreveport, most likely you are coming for one of two things. Well, maybe both (who knows) and we are talking about the casinos and crawfish. However, there is more here then you may expect.

There is our new convention center and Bossier City Boardwalk. We have more then just all of the nightlife excitement and good Cajun food. How about a peaceful stroll around Shreveport’s American Rose Center or a nice trot through a 585 acre park?

To celebrate America’s national flower, Shreveport, Louisiana brings us one of the most beautiful display of roses in the nation. There are several annual events, especially around Easter. April 1 is when the garden opens for the spring. To celebrate Christmas and the beautiful display of lights, the American Rose Garden opens on November 27.

Throughout the year, there are many things that the garden celebrates. April 4-5, is the Easter egg hunt and festivities. There is a Mother’s Day banquet in May. Then a Father’s Day banquet in June, as well. In the fall, there is a Harvest Moon stroll. Of course the garden stays open to celebrate Christmas with a beautiful display of lights. You can smell apple cider in the air as well as funnel cakes.

It’s an enjoyable place for the entire family. To become a member, you get many benefits. Memberships range from $49 to $140. Not to mention, you are also supporting the park, as well. For details about the garden, please visit the site by clicking on the link in the resource box.

The Barnwell Memorial Garden and Art Center is another great place to learn about more then flowers.There is a conservatory where you will learn about many exotic plants. There is a patio, as well as a gallery where you can host an event, like a reunion or wedding. The fountains and view of the river are absolutely beautiful.

Only flowers and plants? Actually no! There is more here then that. How about a breath taking art gallery that is full of great works by many well known artists. There are also classes and workshops for many forms of arts. There is an Iris Annual Convention that is coming up April 25 and is free for everyone. That sounds like a nice and peaceful outing for the family. If this place sounds interesting to you, check them out at the link in the resource box.

Another wonderful place to take the family while in the Shreveport area, is the C. Bickham Dickson park. This huge park is about 585 acres with a beautiful 200 area lake. The family can enjoy a day of fishing or horseback riding. There is also a playground as well as a hay rides. This sounds like a lot of family fun. At the largest park in Shreveport, you may want to sit and admire the scenery while enjoying a nice picnic.

You will also find that the park is home to the Red River Education and Research department. There is always some sort of research going on there. For instance, currently they are researching the water quality. For full details on the park, you may visit the link to the right, in the resource box.

Becoming a member helps the organizations in keeping the gardens nice and goes for research and education of flowers, plants, art and the ecosystem. Not to mention, they are a place where you can take the family for not only fun and excitement, but education as well.

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