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Why You Should Buy a Used Car

Posted by Ryan Guina

It’s my goal to ensure you have all of the information you need to make the most out of your finances and help you reach your goals. One major part of everyone’s finances is your car.
Your car is probably your main source of transportation, and it can also be one of your biggest frustrations if it’s costly breaking down or always in the repair shop.
I recently wrote about the benefits of buying a new car, but often, used cars are actually the better deal.

Should you Buy a New or Used Car?
When it comes time to buy a car, there are going to be a lot of decisions you’ll need to make. You will need to decide between car, truck, or SUV and you will need to decide the make and model, the color, and much more.

One of the biggest decisions you’re going to have to make is deciding between buying a new car or purchasing a used car.

When you’re going through the car buying process, it can be exhilarating. It’s easy to get wrapped up in all of the bells and whistles of a new car, but buying a car is a huge investment, and it’s vital you make the best decision.

According to Kelley Blue Book, Americans spent around $33,000 on new vehicles in 2015. On the other hand, they spent around $20,000 on used vehicles.

This a huge difference.

Even with the drastic price difference, there are still millions of people who buy new cars instead of buying a used one, but is it a good decision for you? There are a lot of people who have doubts or fears when trying to buy a used car.

Used Cars Are a Better Deal than New Cars
Depreciation: Most cars depreciate 20-30% during the first 2 years of ownership. Why should you spend your hard earned money when you can let someone else take the loss instead?

More bang for your buck (and I don’t mean backfiring!): You can often afford to buy a better car with more options than you would be able to buy if you bought a new car. For example, let’s say you have a $20,000 budget for a car. You can buy a decent new car, with few options. But if you are willing to buy a 2-3 year old used car, you can generally get a model higher with more options – some of which would normally add hundreds or even thousands of dollars to the tab on a new car, such as a moon roof, 6 disk changer, alloy wheels, heated seats, etc.

Quality is always improving: A couple decades ago, “used car” was synonymous with “junk.” Cars were disposable objects designed to last 10 years at most. Today’s cars will last a lot longer if you take care of them. There is no reason you can’t buy a 2-3 year old car and not expect to drive it for at least 7-10 years before you trade it in because you are tired of it – not because it is falling apart.

Extended warranties: More and more manufacturers are offering certified used cars and extended warranties. These options may add a few extra dollars to the upfront costs, but can potentially save you hundreds or thousands of dollars down the road. They also give you the peace of mind to know if something under warranty goes wrong, you won’t be on the hook for the total cost.

That new car smell goes away: In 6 months, you probably won’t know the difference anyway. After a few months the new car smell is gone, you will have spilled your coffee on the floor once or twice, your shoes will drag dirt into the carpets, and your kids… well, they will be kids! To be honest, you probably won’t mind as much if these things happen to a used car because it is expected. But if they happen to your new car… well, it just causes stress! In fact, many people who buy new cars are so paranoid about things happening to their car which they don’t enjoy them as much as they should. It’s a car; not a museum piece.

Car insurance rates: Not only is a new car going to be more expensive when you drive it off the lot, but you’re going to pay more for your car every month when you have to send in your auto insurance premiums. In just about every case, a new car is going to cost more to insure than a used car. If you want to save money on your auto insurance, buying a safe used car is going to be a more affordable option.

This article was originally published on cashmoneylife.com/font>

9 Advantages of Buying a Used Car



By Shannon Sanford

When it comes time to purchase another car, you must make the choice between new or used. This difficult question may make you wonder what you would be gaining by buying a used car. To help you better understand why a used car is better, here are nine advantages of buying a used car instead of a new car.

Price
It's no surprise that the price of a used car is generally going to be much cheaper than the price of a new car. Many used vehicles are going to be low-priced, with some even less than five digits. You could pay as low as $1,000 to $9,000 depending on the year, make, and model of vehicle you are looking for. You can potentially save as much as 30% by looking at some of the older versions of your favorite make and model.

Shorter Loan Terms
When you purchase a used or pre-owned vehicle from a dealer, you'll typically get a shorter loan term with less interest. Overall, it's a much better situation for you as the purchaser. You can even negotiate that the dealer pays the sales tax in some instances. It's a win/win.

Improved Reliability
One of the reasons that used cars are still on the road is that they are reliable. A new car may have several issues with it. There may be recalls on the vehicle, which can be life-threatening. Buying new leaves you to deal with these problems while buying used may avoid it all together.

Avoid Massive Depreciation
When you buy a new car, the depreciation will inevitably take a huge hit as soon as you drive it off the lot. But by buying used, you avoid this altogether. The original owner has taken the original depreciation hit. This is not to say that you won't experience any depreciation; every car deals with this over the years in some capacity. However, buying used means that you'll take a much lighter hit comparatively.

Fewer Sales Tax
The sales tax on new cars is outrageous. This is mostly because the price is so high. Exact sales tax is different for every state but it is generally calculated at 10% of the car's sale price. 10% of a $2,000 used vehicle will be a lot lower than 10% of a $20,000 new vehicle.

Cheaper Features
If you ever want to add new or upgraded features to your used car, such as a new radio or new upholstery, it'll generally be a lot cheaper than if it was a new car. New cars usually require parts that need to be purchased directly from the manufacturer, which can easily drive up the price. With used cars, you can put in new features for a lot less than you'd spend otherwise.

Lower Insurance Rates
Insurance is something that we pay every month, so it makes sense that you'd want this bill to be as low as possible. If you're buying a new car, your insurance rate can double in price. It could realistically increase from $100 to $200 just because you decided to purchase a new car. Used cars may also raise your insurance rates, but it could potentially be lower depending on what car you had previously.

More Choices
When you purchase a new car, you're limited to what is left. On the other hand, there are hundreds of thousands of used cars on the market every day. At dealerships, there are an endless amount of used cars that are being traded in constantly. Generally, dealerships will get their new cars at the beginning of the year, and that's just what they have. With used cars, you can choose based on features, make, model, year, color, and more.

Cheaper Repairs
If you have a used car, parts will be abundantly available. If you ever have to replace a part, most mechanics can find parts for a lot cheaper than new cars. New cars require special parts that have to come straight from the manufacturer, which means they will cost more money.

This article was originally published on Auto.alot.com












What Your Car Says About You

By MARKHAM HEID

Research reveals the secret meaning behind your ride

Forget what you eat—you are what you drive.
“People think of cars as extensions of themselves and their personalities,” says Jon Linkov, deputy auto editor for
Consumer Reports.
When you’re shopping for a vehicle, you’re looking for a ride that fits the three dimensions of your “self concept”: who
you think you are, who you want to be, and how you’d like others to see you, says behavioral psychologist Joseph Sirgy,
Ph.D., a professor at Virginia Tech.

Those three dimensions combine to nudge you toward one car or another—whether that means buying a Porsche to impress,
or a used Volvo to prove you’re responsible.

We pored over tons of reports from YouGov, a global technology and market research firm that conducts surveys and
collects consumer behavior data on more than 200,000 Americans. Their findings reveal traits, behaviors, and beliefs
that buyers of certain brands are more likely to exhibit than the average American.
Here are the insanely detailed results. Do you see yourself in your car?



You think of yourself as friendly but direct, and you work in building or construction. You own a dog, and you’re either
a Gen X’er or a Baby Boomer.  You love football, beef jerky, and pumpkin pie, and you don’t care much about “looking young” or “feeling attractive.” 
You turn up the radio for Toby Keith and Van Helen, and you like getting your hands dirty gardening or fishing.  You prefer to buy American. You wear Converse and Dickies, and shop at Wal-Mart.

You’re probably a Gen X’er, and you likely work in logistics or transportation. You love Indian food, guacamole, college
football, and soccer.  Your friends are important to you, and so is maintaining a healthy lifestyle. You like to think of yourself as 
spontaneous.
You shop at Banana Republic and the Apple store, you love the movie Wall Street, and Kevin Hart cracks you up. You read
the New York Times and watch a ton of ESPN.

Your friends are important to you, and so is maintaining a healthy lifestyle. You like to think of yourself as
spontaneous.
You shop at Banana Republic and the Apple store, you love the movie Wall Street, and Kevin Hart cracks you up. You read
the New York Times and watch a ton of ESPN.

You like steak and eggs—together or on their own—and you think of yourself as mechanically inclined. In fact, your
garage is your happy place.
You love dogs, football, and NASCAR. You identify as a leader, but acknowledge you can sometimes be too demanding.
You blast Stevie Ray Vaughn and Kid Rock. You don’t mind losing your hair, and you would never consider plastic surgery.

You’re a Millennial who works in education or health care. But you prefer to spend your free time outdoors, visiting
parks and historical places.
If you’re not a parent already, you can’t wait to have kids—and you think science is cool. Maybe your future children
will appreciate it, too.
You feel satisfied with your life, but you also think you spend too much time online. You wear Nike apparel and shop at
Target, and you wish The Office was still on TV.


Compared to other drivers, you’re more likely to think of yourself as dependable.
There’s a good chance you’re older than 65, and you enjoy a good Waldorf salad or beef casserole. You also love going to
the movies.
College football dominates your fall Saturdays, and you’d probably admit you go too long between haircuts.
You’re sincere and forgiving, but you can also be hyperactive and clingy.
You spend a lot of time online each week—36 to 40 hours—and you spend even more time watching TV.


You think of yourself as bighearted. You prefer to wash your own car, and you disagree with the belief that electric
cars are the way of the future.
You don’t style your hair, and you don’t look after your health as much as you should.
You like bacon, fried fish, NASCAR, dogs, and Subway.
You’re usually tuned in to NCIS and the Discovery Channel, and you’ve probably seen George Strait in concert. When you
shop for clothes, you opt for comfort over style.

You consider yourself knowledgeable. You’re likely under 30, and you work in accounting or architecture.
You feel strongly that foreign-made cars are higher quality, and you’re more likely than other people to have a fish for
a pet.
You care about current fashions, and you like going to trendy bars and restaurants. You exercise more than most people,
and you dread the thought of going bald more than any other driver surveyed.
You’re into Miley Cyrus.


Compared to other drivers, you think of yourself as analytical and sensible. You live in a city, work in banking or
finance, and you’re older than 65.
You enjoy eating sushi, attending sporting events, and golfing. You couldn’t live without a GPS in your car, and you
think public transportation is gross.
You think it’s important to look young and feel attractive.
You’re a big fan of Starbucks and Costco, you tend to watch premium channels, and you think Beyoncé rules. (She does.)


You think of yourself as imaginative, and you feel strongly that electric cars are the way of the future. You’re happy
to catch a bus or train if that’s an option, and you care about the environment.
You’re a Gen X’er, and you work in a creative or design-focused profession. You like reading, visiting art galleries,
and devouring enchiladas.
You shop for organic food and you can’t imagine a day without music. You like Frontline on PBS, though you hardly ever
watch TV.

You think of yourself as socially skilled and courteous. You work in quality assurance, safety, or consulting.
You love sports, and you play golf. You gamble more than you should, and you occasionally feel lonely.
You admit you never leave the house without looking in a mirror. You drink Michelob Ultra and shop at Perry Ellis, and
you think George Clooney is the coolest. (He is.)

Originally published on Menshealth.com

SUV or Pickup Which to Choose

Comparing drivability, comfort, access, fuel economy, ride, and towing capacity
By Mike Monticello   February 21, 2019
About 300,000 SUV shoppers debated whether to buy a pickup truck instead, according to the 2018 New Vehicle Satisfaction Survey from the industry analytics firm AutoPacific. That’s an increase of about 220,000 compared with 10 years earlier. Though SUVs still dominate the market—more than 8 million sold in 2018 vs. just shy of 3 million trucks—the larger, quieter cabins and improved fuel economy of pickups continue to draw interest from families and outdoor-adventure shoppers.

The best way to make an educated choice between the two is to understand exactly what each vehicle type does best—and doesn’t.
To help you, CR’s experts broke out the key decision triggers: drivability (or everyday handling), seating and comfort, access (how easy it is to get in and out of a vehicle), fuel economy, towing capacity, and ride. 
Below, we describe how types of SUVs and trucks fared on each of these measures, and we give the nod to the segment winner with a “¦.”

Large SUVs vs. Full-Sized Pickup Trucks

Drivability
Best Choice: Large SUV
It’s a close contest between large SUVs and full-sized pickups, because both of these behemoths are built on similar platforms. That said, large SUVs tend to handle a bit more responsively. “In our testing, these big vehicles struggle through CR’s avoidance-maneuver exercise, which mimics an emergency swerve around an object,” says Gabe Shenhar, CR’s associate director of auto testing. The long wheelbase contributes to their ungainliness. Maneuvering one through a tight parking lot can be harrowing.
Best SUV for drivability: Ford Expedition Max ¦
Best truck for drivability: Ram 1500

Seating & Comfort
Best Choice: Large SUV
If your family must have six seats, an SUV is your answer. While full-sized pickups can be configured for six, the middle front seat is an uncomfortable and less safe perch. Unlike in midsized SUVs, the third-row seats in vehicles like the Chevrolet Suburban and Ford Expedition Max are comfortable even for adults. If five seats are all you need, the abundance of space in crew-cab pickups makes their rear seats livable. “Plus, full-sized crew-cab pickups are some of the easiest vehicles to install a child seat,” says Emily Thomas, CR’s automotive safety engineer.
Best SUV for seating & comfort: Ford Expedition Max ¦
Best truck for seating & comfort: Ram 1500
Access
Tie: Large SUV & full-sized pickup
Full-sized pickups and large SUVs sit higher off the ground than most other vehicles. Regardless of whether it’s a Ford F-150 pickup or a Suburban SUV, it’s a climb to get up into the cabin, and you’re nearly jumping to get back out. Even if the SUV or pickup has running boards, this daily hoist can wear on owners and can be a deal-breaker if you have to transport elderly passengers. Plus, getting at cargo in a truck’s bed is considerably more difficult than reaching cargo in an SUV.
Best SUV for access: Ford Expedition Max ¦
Best truck for access: Ram 1500 ¦

Fuel Economy
Best choice: Full-sized pickup
In general, big pickups are slightly more fuel-efficient than big SUVs. The Chevrolet Silverado 1500 and Ram 1500 come in at 17 mpg overall, while most of the large SUVs, which are significantly heavier than their pickup brethren, average 16 mpg. Truck manufacturers have invested in fuel-saving engines and transmissions, and the payoff is that a full-sized pickup, Ford’s F-150 (with a 2.7-liter turbo V6), gets 19 mpg overall vs. the smaller Chevrolet Colorado’s 18 mpg overall (with a 3.6-liter V6).
Best SUV for fuel economy: Ford Expedition Max
Best truck for fuel economy: Ford F-150 ¦

Towing Capacity
Best choice: Full-sized pickup
Towing is a key consideration for a sizable number of families. Dawn McKenzie, a spokeswoman for Ford, told us that about 75 percent of owners with a full-sized Ford pickup use their trucks to tow. “They don’t tow all the time, but at some point they tow,” she says. But it’s not just pickups that can tow. Large SUVs can handle 8,000 pounds or more, with the Expedition Max capable of pulling a burly 9,000 pounds. Still, there’s no trumping a full-sized pickup that can tow in excess of 10,000 pounds.
Best SUV for towing capacity: Ford Expedition Max
Best truck for towing capacity: Ford F-150 ¦

Ride
Best choice: Large SUV
This is an easy win for large SUVs, which usually receive higher marks in this category in our testing because their suspensions soak up bumps well enough to keep occupants happy. Pickup trucks, on the other hand, deliver a stiff ride unless there’s a heavy load in the bed. This rough and bouncy character is prevalent on back roads, and the jostling can make trucks tiresome to passengers on highway drives, too. The Ram 1500 is the exception to the rule; its unique rear suspension helps it ride as nicely as some cars.
Best SUV for ride: Chevrolet Suburban Premier ¦
Best truck for ride: Ram 1500
Midsized SUVs vs. Compact Pickup Trucks

Drivability
Best choice: Midsized SUV
In general, a top-performing midsized SUV, such as the Subaru Ascent or Toyota Highlander, is going to be far more pleasant to tool around in than a compact pickup, such as a Chevrolet Colorado or Toyota Tacoma. That’s because almost all midsized SUVs are built on a car platform, so they drive a lot like cars. Plus, these SUVs usually have a shorter wheelbase and less overall length, which make them easier to maneuver. Acceleration is similar between them, with 0-60 mph in 7-8 seconds. Most midsized SUVs do a better job squelching road and engine noise than pickups, with the Honda Ridgeline pickup the exception thanks to its SUV-like cabin solitude.

Best SUV for drivability: Chevrolet Traverse ¦
Best truck for drivability: Honda Ridgeline

Seating & Comfort
Best choice: Midsized SUV
If your family auto occasionally needs to carry more than five people, a three-row midsized SUV, such as the Ascent, Highlander, or Honda Pilot, becomes the clear choice because it can seat up to eight people. Compact pickups have room only for five, and the rear seats are more cramped and not as comfortable as the SUV's. (Even the Ridgeline doesn’t score well in rear-seat comfort.) That’s especially true if the SUV has adjustable second-row captain’s chairs. Just remember: Even though the third-row seats in these midsized SUVs can be handy, they’re better-suited for children, not adults.

Best SUV for seating & comfort: Honda Pilot ¦
Best truck for seating & comfort: Honda Ridgeline
Access
Best choice: Midsized SUV
Most compact pickups sit high off the ground, but they don’t have as much headroom as full-sized pickups. That means it’s a climb for people to get into the cabin, and then they have to duck to avoid the roof, making access challenging. The Ridgeline is easier to get into than other pickups, but entry is still not as simple as in most SUVs, especially getting into the backseat. Rear entry is hampered by a short rear door that doesn’t open very wide. It’s simple, by comparison, to get into a midsized SUV. It benefits from good-sized doors, an easy step-in, and seats at a near-perfect height for average-sized adults.

Best SUV for access: Honda Pilot ¦
Best truck for access: Honda Ridgeline

Fuel Economy
Best choice: Midsized SUV
Even though compact pickups are relatively light and small, they aren’t very fuel-efficient. The Colorado, using a 3.6-liter V6, got only 18 mpg overall in our testing, and the Ridgeline wasn’t very impressive, either, at just 20 mpg overall. But the diesel versions of the Colorado and its sibling the GMC Canyon get 24 mpg overall. Midsized SUVs like the Ascent and Highlander get 22 mpg overall, and the Highlander Hybrid gets an impressive 25 mpg overall, although it’s worth noting that the hybrid model is rated to tow only 3,500 pounds.

Best SUV for fuel economy: Toyota Highlander Hybrid ¦
Best truck for fuel economy: GMC Canyon Diesel

Towing Capacity
Best choice: Compact pickup   
Many midsized SUVs can tow 5,000 pounds, enough to pull smaller RV trailers and boats. But you never want to tow at or near your vehicle’s capacity. It adds stress to the vehicle and raises safety concerns. If more capacity is needed, tougher midsized SUVs such as the Dodge Durango (capable of handling 7,200 pounds) or Jeep Grand Cherokee (also up to 7,200 pounds) could do the trick. Compact pickups have a slight towing edge, with the Tacoma rated up to 6,400 pounds and the Colorado to 7,700 pounds. The Ridgeline’s car-based SUV roots show here: It can tow only 5,000 pounds.

Best SUV for towing capacity: Jeep Grand Cherokee 
Best truck for towing capacity: GMC Canyon Diesel ¦

Ride
Best choice: Midsized SUV
This is where trucks really falter. Traditional pickups, such as the Colorado and Tacoma, have poor scores for ride quality in our testing, with a stiff and bouncy feel, especially when the bed is completely empty of cargo. That’s a big reason we appreciate the Ridgeline so much. It easily outscores its pickup competitors, delivering a ride that’s about as smooth as the CX-9 and Highlander, if a bit shy of the super-absorbent Ascent.

Best SUV for ride: Subaru Ascent ¦
Best truck for ride: Honda Ridgeline

This article was originally published on ConsumerReports.org

What Is Buy Here Pay Here


By  Russ Heaps June 30, 2019 

If you’ve found that every other credit avenue for financing a car is closed to you, a Buy Here Pay Here (BHPH) dealer may be your last, and best, resort.
Most of us simply can’t afford to buy a car with cash. Typically, we borrow money for a car through third-party lenders, such as banks, credit unions and carmaker-associated lending companies. 
For a variety of reasons, however (such as a spotty credit history, no credit or a very low credit score), traditional lenders may not work for you. If that’s the case, there are always BHPH dealers.

What Is Buy Here Pay Here Financing?

BHPH financing means that you arrange the loan and make payments on it at the dealership where you purchased the car. In other words, it’s a one-stop shopping process because the car dealer is also the finance company.
Because loan decisions are made by the BHPH dealer, who wants to sell you a car, approval is nearly always guaranteed. If you have an address and a steady income, your chances for approval are very good.
Granting you a loan, however, isn’t out of the goodness of the dealer’s heart; they will probably make as much, or more, profit on the financing as they do on the car itself. As a high-risk borrower, you can expect a double-digit interest rate.
It’s helpful to find a dealer close to your home or work because, rather than mailing a monthly payment, the BHPH dealer might require you to make weekly or biweekly trips to the dealership to pay in person. Although some will accept payment online or by mail or phone, BHPH usually means physically bringing your payment to the dealership.

Differences Between BHPH Dealerships and Traditional Dealerships

Lately, the lines separating a more traditional dealership and one offering BHPH have become blurred. Some traditional new- and used-car dealerships now offer BHPH financing as an option. You might not see "Buy Here Pay Here" written across the windshields of the cars, but phrases such as "We Finance" are usually code for BHPH.
If you’re having trouble getting traditional financing, start with the used-car lot at a franchised dealership, such as Chevrolet or Dodge, that advertises easy financing or rebuilding credit.
The bad news is that BHPH turns the car-shopping experience upside down. Rather than settling on a car and then talking financing, a BHPH dealer will first qualify the customer before determining how much they’re willing to lend. Finally, the dealer will show the customer which cars are options to buy, and choices will probably be limited.
With BHPH, always ask about the late payment policy. Is there a grace period, and if so, how long is it? Make sure that the contract clearly spells out how long the period is between missing one of those weekly payments and repossession. 

Benefits of BHPH

  • They put credit-challenged borrowers in a car when a traditional lender will not.
  • On-time payments can help repair your credit history (but be sure that the BHPH dealer reports payment histories to the credit bureau).
  • They buy older cars and will be more willing to take in an old beater toward the down payment of a new car.
What it means to you: When every traditional lender turns you down, Buy Here Pay Here dealers can help put you behind the wheel. If you think Buy Here, Pay Here is a good fit for you can your circumstance, check out our Buy Here, Pay Here page that list specific dealers and cars that are available with BHPH financing.

This article was originally published on Autotrader

Benefits of Buying a Used Car





CARS.COM — There are many good reasons to buy a used car, including ample selection and the improving reliability of older cars. But the big draw for used-car buyers? Affordability.
Price
Buying a new car is definitely more expensive than buying a used one. Unless you decide to lease, your initial costs on a new car will be hefty. Financial institutions typically require down payments of at least 10 percent on a new-car loan (but it helps to add more). If you pay less money upfront, your monthly payment will be higher. Two other key considerations may tip the balance in favor of used cars: certification programs and new-car depreciation.
Certification Programs
One trend that makes buying used a better option is the proliferation of certified pre-owned programs. The idea started with luxury brands such as Lexus and Mercedes-Benz. Today, most manufacturers have instituted these programs.
General benefits of CPO cars include:
Manufacturers usually consider only late-model, relatively low-mileage used cars and trucks with no history of major damage for their certification programs.
  • CPO vehicles undergo a rigid inspection process of mechanical and cosmetic items before they obtain certification.
  • CPO vehicles are normally covered by a warranty that extends beyond the original factory warranty. The warranty often includes the same features as a new-vehicle warranty, such as roadside assistance.
  • Several manufacturers offer special financing on CPO vehicles, usually at lower rates than those on new-car loans or the typical, higher used-car loan rates.
Buyers should be aware that they pay more for a CPO car than for a typical used car, but the higher price should be worth it for the extra attention, coverage and peace of mind buyers receive. 

Avoiding Depreciation
Once you drive your new car off the dealership lot, its value will drop immediately in your early years of ownership. On mainstream vehicles, expect your new car to lose at least 30 percent of its value in the first two years of ownership. Consult used-car value guides to get an idea of what a particular model will be worth in the future. Leasing guides are another good source, even if you intend to buy instead. Lease payments are calculated based on residual, or resale, values.

Original Article was published on Cars.com
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