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Car-leasing has been lauded as a more attractive alternative to buying, offering in the process the flexibility to drive a new car for less. The reality, however, is that leasing is an option that is fraught with many pitfalls for the average customer. Leasing regulation does not require as much disclosure as buying a vehicle. This has given rise to many leasing scams that trick the customer into believing they are into a good deal when, in effect, all he is getting is a roug...

Auto Leasing Scams

Auto Leasing ScamsCar-leasing has been lauded as a more attractive alternative to buying, offering in the process the flexibility to drive a new car for less. The reality, however, is that leasing is an option that is fraught with many pitfalls for the average customer. Leasing regulation does not require as much disclosure as buying a vehicle. This has given rise to many leasing scams that trick the customer into believing they are into a good deal when, in effect, all he is getting is a rough deal on the dealers terms.Here we look at some of these common scams and how to avoid themArtificially low interest rates:Some dealers quote a lower interest rate when in reality its much higher. They do this by either purposefully quoting the money factor as the interest rate or calculating the loan without amortizing some closing fees, like the security deposit, into the loan lease. Take the money factor for example: this is typically expressed as a four decimal digit, something like 0.004. Some dealers quote this as a 4% interest rate when in fact you need to multiply it by 24 to get a rough idea of the interest rate on your loan. In this example, the interest rate is a much higher 9.6% than the quoted rate of 4%. Make sure you crunch the numbers and understand the formula they use to calculate their interest rate. Look out for any fees not factored into the calculation. If you are not satisfied, do not enter into the lease agreement.Terminate your lease early for a low penaltyThis is an all-time leasing scam. You ask your dealer how much you will pay if you want to terminate your lease and he tells you: You want to get out early? Sure thing, you only pay an early termination fee of $300. What he is quoting is only the small administrative penalty of early termination, there is a much stiffer penalty called early termination fee and this runsinto thousands of dollars.Do not confuse the early termination administrative penalty with the termination fee. Read the small print carefully and know exactly how much you will get charged should you terminate your lease before its scheduled end.Pay for an extended warranty you dont needThis is another shell game to inflate the dealers profit at your expense. The dealer slides an extended-warranty into the deal whilst its already factored into the monthly payments, or he tricks you into buying a 36-month warranty on a 24-month lease.You do not have to pay extra money for a warranty already built into your payments or for one that goes well beyond your lease term. They might slip an extended warranty in. Dont be fooled, the warranty is already factored in.No security depositAny dealer who advertises a $0 security deposit is not telling you the whole story. A security deposit is always factored in the lease under the provision for disposition fees.

Your Opportunities For Car Donation In Portland

Your Opportunities For Car Donation In Portland

If you are a Portland area resident who is facing the decision of what to do with an old, but still functioning automobile, you may be able to turn it into a tax benefit by making a car donation in Portland. As long as you donate it to an Internal Revenue Service recognized charity, you will be guaranteed a minimum write-off of $500.00m and it could be significantly higher if the charity sells it for more. The best part is that Portland is home to many charities which will accept donated cars, and even pick them up.Portland CharitiesIf youd like an idea of what the charities to which you can make a car donation in Portland are, there are a few which stand out. The Oregon Food Bank is responsible for supplying food to over eight hundred food assistance programs throughout Oregon. Your car donation in Portland to the Oregon Food bank will assist needy families not only n the Portland area all over the state.Portland Impact will happily take your car donation in Portland and use the proceeds from its sale to provide financial assistance to those dealing with homelessness and job loss, or to supply senior citizens and disabled adults with various services. They will accept any car donation in Portland as long as the vehicle has no major damage and does not require significant mechanical work. In addition, the cars book value must be at least $70 to cover the cost of processing it. They will pay for towing your car.If youre a Portland resident, making a car donation in Portland to Portland Impact is one way of assuring that the benefits of your generosity will help your neighbors.Let's take a look at these foundations in Portland that are indeed recognized by the IRS and which will entitle you to tax deductions whenever you will decide to assign to them your used vehicles.If you make your car donation in Portland to the United Way of Mid Willamette Valley, youll be helping a broad-based charitable effort which offers assistance to the homeless, those seeking employment, or in need of food, the very young and the elderly.How Your Car Donation In Portland Will Be UsedSome of the charities which will accept your car donation in Portland may opt to keep it and use it in performing their work; others may choose to auction it off and use the proceeds to fund their work. In either case, youll receive a tax deduction either for the vehicles book value or its sales price, and youll have the joy of knowing, whenever you hear of the good work being done by your charity, that your car donation in Portland helped it happen!Giving to charity is a good way to help in the community. In Portland, there are many people who need assistance. Giving a car donation in Portland will make a considerable impact. This will help get people where they need to go and will help charities organize events they can get to without having to rent a car or buy one themselves.

Negotiating For The Best Price For Your Car

Negotiating For The Best Price For Your Car

The art of negotiation is a tricky, possibly long drawn-out matter and sometimes you are never really sure you got the best deal even after youve walked away from the bargaining table.If you are like most buyers, you probably have a good idea of how much you are willing to spend and would like to settle the issue of cost even better you go to the dealer to check out the car. Indeed, since the advent of the Internet, most companies are even willing to quote you the actual retail price sight unseen, over the phone or perhaps through e-mail. This is in sharp contrast to only a few years ago when standard practice was to lay on as many enticements as possible to the customer before the actual bargaining started.Of course chances are, in your inquiries to several different auto dealers or through scanning of the local ads, you may have already encountered a quoted sale price on one or more cars you are interested in. Most online car dealerships in fact, will readily give you the price knowing that this is a crucial factor in your decision to purchase a car from them. What you have to realize though, is that it may still be possible to knock a few dollars off their asking rate.You may possibly already have a pre-conceived price point at which you are confident that you have scored a great deal. Most people though, are willing to give a little leeway on this issue as long as they feel that they will get a fair price.The best way to prepare for the inevitable haggling that will take place at your "car dealers" hip is by being as informed as possible about current market rates for your chosen car model. Ask around several different dealerships about the car youre interested in and ask if they offer any added-on value, like free accessories or free service checkups and towing services for example. Each dealer is different but they all have the common goal of selling as many units as possible and many have come up with some interesting solutions to help you part with your money.Finally remember that its not always all about paying as little as possible; you will want to buy a car that you are totally happy with, at a fair price. Take the time to do your research and you will walk away the winner in the deal.

Choosing The Right Helicopter

Choosing The Right Helicopter

Each type of helicopter is different. But this doesnt mean that it is difficult to buy one that would fit your need for everything would boil down to your priority.Helicopters are measured in terms of passenger capacity, comfort, versatility, speed, and of course cost.Choosing the right one for you depends on these criteria. For example, if you want a cost effective helicopter strictly for personal use, you can take the Schweizer 300 or the Robinson R22 (helicopter for 2). It has basic comfort and few features.The exact opposite are the McDonnell-Douglas 500, Enstrom Shark, and the Agusta 109A. They are fast and more convenient to fly.In between these 2 extremes are Eurocopter Squirrel and the Bell Jet Ranger. These are single turbine-engined helicopter that are more commonly used for filming work and charter flying. The Eurocopter Squirrel and the Bell Jet Ranger are agile, fast, and comfortable, but are constrained to fly on a fair weather.This is not the case with the Sikorsky S76 and The Eurocopter Dauphin 2 which can fly at 200mph and can accommodate up to 14 people safely and comfortably.With these, we can narrow down your selection into 3:Light Piston-engined Types If you want a cheap personal helicopter that could sit for two, the Schweizer 300 or the Robinson R22 would be your choice. They can fly at the speed of 80-110 mph. With a seating capacity and small size, these helicopters are light, easy to fly, and easy to maneuver. Surprisingly, the light piston-engined helicopters use a more expensive fuel than that of the kerosene based turbine engines but they consume less fuel. However, the Schweizer 300 or the Robinson R22 is less buyable for charter and corporate use. They are more popular, however, on training and personal use.Light turbine helicopters McDonnell Douglas 500E, Eurocopter Squirrel and the (Agusta-) Bell Jet Ranger are widely used around the world for its practicality and mid-range amenities, comfort, size, speed, versatility and price. Private owner often prefer light turbine helicopters among other types for these given reasons. The look is sporty and performance is almost perfect (if not perfect).Twin Engined Helicopters Stronger, safer, faster and more versatile helicopters are the likes of the Dauphin, Sikorsky S-76, Agusta 109, and Eurocopter Twin Squirrel. These are powered by 2 engines and can go places that other smaller helicopters cant go. These are far better choice for high-end market with high price bracket.Now you have this information, you can choose whats yours.

Modern Technology; Useful In A Car Breakdown Situation!

The wonders of modern technology; whether you love it or hate it, you have to admit it can be very convenient at times. Lets take the mobile phone, for instance; its not so many years ago that they were the size of a brick and were seen as a yuppie status symbol. How times have changed. Now, most of the adult population, and the younger generation too, have at least one mobile phone. One for business and one for personal calls.So, how does this help in a vehicle breakdown situation? Well, these days, if you find yourself in this position, its so easy to call for roadside assistance. What would we have done prior to mobile phones? Wed have had to walk a few miles to a telephone box or knock on somebodys door for help! Who would want to do that nowadays?Having said that, it doesnt pay to be complacent its still possible to break down on a country road in the middle of nowhere, leaving you completely stranded. While you might be familiar with your location, could you explain to someone over the phone exactly where you are, if indeed you had a vehicle breakdown and needed "roadside assistance" ?Would you know the name or number of the road you were on? Maybe not, especially if youd taken a B road or a minor road. And things might be worse if this happened in the middle of the night. In fact, any time after 5pm through the winter in the UK, and you might start panicking - it will be dark!And if youve got the family with you, imagine how difficult it could become; youre not dealing with an ordinary breakdown anymore, its become more than that youre now concerned about the safety of your family.Well, this is where technology comes in handy. When you call RAC rescue services, that little mobile phone kicks-in as soon as you make the call, and enables satellite technology to locate your position to within a metre! You dont even need to know where you are!Just imagine that for one moment; sophisticated pieces of electronic equipment orbiting our planet, possibly hundred of miles above our heads, being used to communicate information back down to earth so that RAC can locate your position.Every rescue patrol vehicle has Global Satellite System on board which is used to pinpoint your location using your mobile phone signal. This works to such a degree that they will be able to find you and your family at the click of a finger.Thats the power of modern technology.This system, used in conjunction with the latest mapping software, also allows the nearest available patrol to work out the best route to get to you. This means that the rescue patrol can be more efficient in their response, and save on fuel as well! So, when it comes to a breakdown situation, its thumbs up for modern technology! Thank goodness for RAC rescue.

A Pillow-Soft, Chrome-Plated Town Car

The Town Car is a full-sized luxury sedan considered to be the flagship of Fords Lincoln automobile brandname. It is widely noted for its generously wide interior where one could stretch in the same way as sitting in a business class airline seat. Forbes magazine described the Town Car as a pillowy ride dressed in plenty of chrome.It is the largest American-made car at nearly 18 feet long. The Signature L edition is slightly longer at 18 and 1/2 feet. This model is competing against other top luxury automobiles like the LS 460 of Lexus, the BMW 7 series, and DTS by Cadillac. It remains Americas most used limousine or chauffeured car. It is more affordable than its European counterpart in the luxury sedan category. Priced at $42,175 (basic Signature Series), the Town Car is the most expensive among its American equivalent. The Signature L is considered as its top-of-the-line at $56,745. A 2003 bullet-proof edition is priced at $144,995.The Town Car is produced at the Wixom Plant in Michigan. After the 2007 model, Ford decided to move the production of this model to its Assembly Plant in Ontario, Canada where other luxury cars like the Ford Crown Victoria and Mercury Grand Marquis are currently built.The first Town Car was custom-built for Henry Ford in 1922, and the same name surfaced in 1959 as one among Lincolns Continental models. In 1981, the name Town Car stood as a model itself. The latest models are named the Signature series, the Signature L and the Designer.This car model is generously provided with a powerful 4.6-liter SOHC 16-valve V8 engine that is matched with a 4-speed electronic controlled automatic transmission. Its speed-sensitive rack-and-pinion power steering lets you drive with ease. The black sidewall P225/60R17 tires are all-season compatible.Inside, the plush cabin is blessed with glove-soft premium light camel leather. The dashboard and other interior platforms are made up of trimmed American walnut burl wood. Although in looks the Town Car is more of a retroactive design, a modern hi-tech touch-screen map and destination navigator console is installed, using DVD mapping and GPS satellite technology combined. The auto-dimming rear view mirror is equipped with a microphone capable of receiving 170 recorded voice commands.It is like having a concierge on-board while navigating the way to your office or to the ATM terminal of your bank. The navigator could also be programmed to help you find the nearest hospital or police station in times of emergency.This model from Lincoln is the first to pass a 5-star crash test rating in all five categories driver frontal impact, passenger frontal impact, front seat side impact, rear seat side impact and roll over. From 2003 to 2007, it garnered the top ratings granted by the US governments road safety regulation body, beating other leading luxury sedans. The Town Car is also equipped with Anti-Lock Brake System and All-Speed Traction Control.Entertainment is also VIP class. The cabin is always filled with clear sound, thanks to a THX certified 300-watt stereo. The system is equipped with a subscribed SIRIUS satellite radio with 125 channels to provide you and your passenger with the latest news, sports update, and bulletins on weather and traffic from coast to coast.Show everyone the legacy of Americas top luxury car by dressing your key with Lincoln Town Car keychains. It is available in round Chrome, oval metal and leather-based designs featuring a black dome inscribed with the rectangle and thin cross logo and the text Lincoln Town Car.

Summary

Car-leasing has been lauded as a more attractive alternative to buying, offering in the process the flexibility to drive a new car for less. The reality, however, is that leasing is an option that is fraught with many pitfalls for the average customer. Leasing regulation does not require as much disclosure as buying a vehicle. This has given rise to many leasing scams that trick the customer into believing they are into a good deal when, in effect, all he is getting is a roug...