How to Lease a Car and Get the Best Deal – Personal Finance. #auto #warranties


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How to Lease a Car and Get the Best Deal

Tips

  • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
  • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
  • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
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    A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

    To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

    Leasing a car has some drawbacks, however. Among them:

    • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

    • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

    • Lease terms can carry steep penalties. You may have to pay penalties if:

    -You exceed the number of miles in your lease contract.

    – You fail to keep the interior and exterior of the car in good condition.

    – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

    – You want to return the car before your contract expires.

    Does a lease make sense for you?

    Leasing is more beneficial than buying when you:

    • Don’t have the cash to buy the car.

    • Want to drive a vehicle that’s out of your purchase price range.

    • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

    • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

    • Expect to lease another car when your vehicle’s current contract expires.

    Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

    How to Lease

    Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

    Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

    Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

    Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

    Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

    Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

    Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

    Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

    Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

    Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

    Related WSJ Articles and Blog Posts:


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Car loans: 5 tips to get the best deal #auto #book #value


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5 tips to get the best deal on a car loan

More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise.

According to the latest State of the Automotive Finance Market report from Experian Automotive:

“The rosy glow of perfect payment performance in the automotive space is beginning to tarnish,” said Melinda Zabritski, senior director of auto finance at Experian Automotive.

Bariscan Celik | Getty Images

The increase in payment problems was expected as the number of loans to subprime borrowers has grown since the Great Recession, Zabritski said.

Her advice to car buyers is simple: “When you buy a car, make sure it’s something you can afford, something that truly meets your budget. That way you won’t end up as one of these delinquency statistics.”

To get the best loan deal, you need to do your homework. Here are five things you should do:

1. Check your credit reports.

Get a report from each of the three major credit reporting agencies: Experian, Equifax and TransUnion. Use the website annualcreditreport.com, which was set up by the federal government for this purpose.

“You want to check all three because you don’t know which one the lender will use and you want to give yourself time to fix any mistakes,” said Gerri Detweiler, director of consumer education for Credit.com. “I found a mistake when I went to buy a car a few years ago, and if I hadn’t straightened it out, it would have cost me a lot of money.”

Detweiler suggests that you also check your credit score. The interest rates you’ll be offered—if you can get a loan at all—will be based on your score.

You can get your credit score for free from a number of sites, such as Credit.com, CreditKarma and CreditSesame. Some credit card issuers also provide it. This will not be the exact same score the lender uses, but it will give you a good idea of where you stand.

2. Shop around for the best rate.

You shop around to get a good deal on your new vehicle, so why wouldn’t you shop around for the loan to pay for it? Most people don’t. They go to the dealer without doing any homework.

“That just means you have a target painted on your back,” said Liz Weston, personal finance columnist and author of the book, “Deal with Your Debt.” “Bad things are going to happen to you when you haven’t done your research and you don’t have your loan lined up before you start shopping for a car.”

Eight out of 10 car buyers finance at the dealership, according to the nonprofit Center for Responsible Lending. Maybe it’s the convenience or the lure of ads that offer incredibly low-interest rates. Just remember, those super-low rates are only for customers with excellent credit scores.

Credit unions and community banks are the best place to start. They typically offer the best rates on car loans.

Read More Some fear auto industry returning to bad habits

“A lot of people just assume they’re getting the best rate and terms from the dealer, and that’s the last assumption you should make,” Weston said. “You can apply for that loan, have it all set up, and then pull the plug at the last minute, if the dealer’s offer is better.”

3. Choose the shortest loan you can afford.

As cars have become more expensive, car loans have gotten longer. You can now finance that new set of wheels for seven, eight or possibly nine years. The longer term reduces the monthly payment, but it will also drive up your total cost.

“You definitely pay more in the long run because these long loans typically have high-interest rates,” cautioned Mike Quincy with Consumer Reports Autos. “Try to limit your car loan to about 48 months. That’s the optimal amount of time you should pay for your car.”

Yes, that means a higher monthly payment, but you’ll get out of debt faster.

The Federal Trade Commission has a worksheet that helps you compare financing offers with different terms.


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5 tips on how to get the best deal on a car loan. #oriely #auto


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5 tips on how to get the best deal on a car loan

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More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise.

According to the latest State of the Automotive Finance Market report from Experian Automotive:

  • 60-day loan delinquencies in the second quarter of 2014 increased by 7 percent (from 0.58 to 0.62 percent) from the previous year.
  • The rate of auto repossessions in the second quarter took a significant jump — up more than 70 percent (to 0.62 percent) from a year earlier.

    “The rosy glow of perfect payment performance in the automotive space is beginning to tarnish,” said Melinda Zabritski, senior director of auto finance at Experian Automotive.

    The increase in payment problems was expected as the number of loans to subprime borrowers has grown following the Great Recession, Zabritski said.

    Her advice to car buyers is simple: “When you buy a car, make sure it’s something you can afford, something that truly meets your budget. That way you won’t end up as one of these delinquency statistics.”

    To get the best loan deal, you need to do your homework. Here are five things you should do:

    1. Check your credit reports.

    Get a report from each of the three major credit reporting agencies: Experian, Equifax and TransUnion. Use the website annualcreditreport.com. which was set up by the federal government for this purpose.

    “You want to check all three because you don’t know which one the lender will use and you want to give yourself time to fix any mistakes,” explained Gerri Detweiler, director of consumer education for Credit.com. “I found a mistake when I went to buy a car a few years ago, and if I hadn’t straightened it out, it would have cost me a lot of money.”

    Detweiler suggests that you also check your credit score. The interest rates you’ll be offered – if you can get a loan at all – will be based on your score.

    You can get your credit score for free from a number of sites, such as Credit.com. CreditKarma and CreditSesame. Some credit card issuers also provide it. This will not be the exact same score the lender uses, but it will give you a good idea of where you stand.

    2. Shop around for the best rate.

    You shop around to get a good deal on your new vehicle, so why wouldn’t you shop around for the loan to pay for it? Most people don’t. They go to the dealer without doing any homework.

    “That just means you have a target painted on your back,” said Liz Weston. personal finance columnist and author of the book, “Deal with Your Debt.” “Bad things are going to happen to you when you haven’t done your research and you don’t have your loan lined up before you start shopping for a car.”

    Eight out of 10 car buyers finance at the dealership, according to the nonprofit Center for Responsible Lending. Maybe it’s the convenience or the lure of ads that offer incredibly low-interest rates. Just remember, those super-low rates are only for customers with excellent credit scores.

    Credit unions and community banks are the best place to start. They typically offer the best rates on car loans.

    “A lot of people just assume they’re getting the best rate and terms from the dealer, and that’s the last assumption you should make,” Weston said. “You can apply for that loan, have it all set up, and then pull the plug at the last minute, if the dealer’s offer is better.”

    3. Choose the shortest loan you can afford. 

    As cars have become more expensive, car loans have gotten longer. You can now finance that new set of wheels for seven, eight or possibly nine years. The longer term reduces the monthly payment, but it will also drive up your total cost.

    “You definitely pay more in the long run because these long loans typically have high-interest rates,” cautioned Mike Quincy with Consumer Reports Autos. “Try to limit your car loan to about 48 months. That’s the optimal amount of time you should pay for your car.”

    Yes, that means a higher monthly payment, but you’ll get out of debt faster.

    The Federal Trade Commission has a worksheet that helps you compare different financing offers with different terms.

    4. Beware of the yo-yo finance scam. 

    You sign all the paperwork, get the keys to your shiny new car and drive it home, assuming the deal is done. A few days or weeks later, someone from the dealership calls and says they were unable to get the financing approved at the agreed-upon price.

    You must return the car to the dealership, they say, or negotiate a new loan at a higher interest rate. If you don’t, you could lose your deposit and trade-in, and you may even be charged a rental fee for the time you had the vehicle. Faced with this situation, most people cave.

    How can they do this?

    “Most dealers, don’t consider the sale final until the money is in their account and that could be anywhere from a few hours to a couple of days,” said Chris Kulka, senior vice president at the Center For Responsible Lending.

    Chances are this was disclosed somewhere in all the paperwork you signed in the dealer’s financing office.

    “The only way to protect yourself is to either get your financing elsewhere or tell the dealer that you’re not going to take the car until the financing is deemed final,” Kulka said.

    The trade association for automobile dealers said: “The National Automobile Dealers Association is not aware of any credible evidence which indicates that fraudulent ‘yo-yo’ transactions are prevalent in today’s marketplace and none was presented to the Federal Trade Commission when it thoroughly examined this issue during a series of motor vehicle roundtables in 2011.”

    5.  Don’t get hung-up on the monthly payment.

    A lot of people assume that if they can afford the monthly payment, they got a good deal on the car.

    “That’s a huge mistake,” said Jack Gillis, author of “The Car Book 2014 .”

    Buying a new car typically involves three different negotiations. There’s the price of the vehicle, the value of your trade-in and the financing. And they need to be kept separate.

    “If you just look at the monthly payment, you’ll have no idea what you’re being charged for the car, you won’t really know what you’re getting for your old vehicle and you won’t know what the interest rate really is,” Gillis warned. “The artificially low monthly payment will disguise the fact that you’re paying more than you should for the car and financing and getting less than you could for your trade-in.”

    The salesperson will probably ask how much you can afford to pay each month – they’re trained to do that. Gillis says there’s no need to answer.

    Keep in mind: If you are pre-approved for the loan before you head to the dealership, you can concentrate on haggling for the lowest price for the car and highest amount for your trade-in without the added pressure of negotiating the interest rate and other details of your loan.

    Herb Weisbaum is The ConsumerMan. Follow him on Facebook and Twitter or visit The ConsumerMan website.


  • Advance Auto Parts Coupons: Top Deal $40 Off #auto #sales


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    When you hear your car slowly start to die, you hear sinks a little, or a lot. But thanks to Advance Auto Parts you can get quick, reliable, and affordable fixes to most automobile problems. Whether you’re taking it in for service or are looking to do it youself, Advance Auto Parts is here for you. They offer a huge selection of parts and services to get your car in tip top shape. Check out their full selection of high quality products. Featured categories include everything from air and fuel to emission and exhaust. Accessories and body to wipers and batteriers. Electrical and wiring to brakes, steering. Your AC or heater acting up? They can help you with that. Your navigation system on the brink? They can replace that too. No matter your need, if its related to your ride, Advance Auto Parts can help you out. Some of the most popular featured replacement parts include brake pads and shoes, radiators and water pumps. Looking for routine maintenance parts? Shop for spark plugs, batteries, oil filters, wiper blades and more.

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    Ayres Hotel – Suites in Costa Mesa – Newport Beach – UPDATED 2017 Prices – Reviews (CA – Orange County) #ayres #hotel # # #suites #in #costa #mesa, #newport #beach, #costa #mesa, #california, #reviews, #hotel, #resort, #inn, #reservation, #deal


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    Ayres Hotel & Suites in Costa Mesa – Newport Beach

    Great Hotel! This hotel was very nice, clean and conveniently located to University of California, Irvine. My 2 sons and husband went for UCI’s open house in April and found the Ayers hotel very accommodating. The only drawback is not having breakfast included with the room price, especially if you just want to grab a quick, small bite, and not have an entire meal. A food voucher at their onsite restaurant would be a nice plus to this hotel.

    AyresHotels, General Manager at Ayres Hotel Suites in Costa Mesa – Newport Beach, responded to this review

    Thank you so much for the feedback you have provided. I am pleased to see that you enjoyed your experience as well as the accommodations we offer. The insight and suggestions you have provided are greatly appreciated as it will allow us to make improvements wherever necessary. I hope this does not deter you from returning to our hotel in the future as we would love the opportunity to welcome you back in the future.

    Susan O’Brien-Moore
    General Manager

    The rooms were very comfortable and quiet – which is interesting because it IS in a flight path for John Wayne airport. But, I never heard a plane when I was in my room. I specifically made note of that because when I was outside – I heard them a lot! All of the staff that I encountered were very pleasant. I ate breakfast there everyday and it was good. They also have great coffee. No need to go outside the hotel to get my morning coffee which is not common in my experience – although there is a Starbucks within walking distance if you prefer. Although I did not personally use the pool – the pool area was very nice looking – but I certainly would not want a room that was around the pool area unless I had kids with me. Then it would be awesome to just walk out to the pool. I never saw anyone in it – but I was not around during the daytime hours as I was at work. Overall, it was a really nice stay!

    Good hotel, bad restaurant and housekeeping staff

    Adam P (11 reviews)

    Room was nice. Needs new carpet but was clean and comfortable. Food from the restaurant was gross and way overpriced, even for a hotel. I threw away my ahi salad. I don’t throw away food. I eat it. I could not eat this.

    The real reason for the 1 rating though is I accidentally left my wife’s breast pump in our room. I called a couple hours later when I realized. The front desk said they did not have it but connected me to housekeeping to ask them. They said they would check and call me back but never did. No one seemed to care at all. Either the maid took it or threw it away. Either way my wife was pretty bummed.

    Aside from the bag issue the place is probably a 4 and I would be willing to up my rating if the hotel ends up at least making an effort to find my wife’s breast pump.

    AyresHotels, General Manager at Ayres Hotel Suites in Costa Mesa – Newport Beach, responded to this review

    Thank you kindly for your candid review. Please feel free to contact me directly at (714) 549-0300 ext. 145 so we may resolve your concern in a timely manner.

    Susan O’Brien Moore
    General Manager

    Ayres Hotel Suites in Costa Mesa – Newport Beach, CA – Orange County


    10 steps to a great deal on a new-car loan #auto #one


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    Ch. 2: Your new-car dollar

    Here are 10 tips to help you get the best auto loan:

    1. Shop the loan separately from the car. Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

    You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

    Shopping for a car or just a car loan? Download Bankrate’s auto app for price comparisons, loan calculations and more.

    2. Limit your loan shopping to a two-week period. Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

    3. Get familiar with your own credit history. Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

    4. Shop the total loan amount, not the monthly payment. The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

    5. Don’t assume the best. Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables .


    Holiday Inn Hotel – Suites Anaheim (1 BLK #holiday #inn #hotel # # #suites #anaheim #(1 #blk/disneyland), #anaheim, #california, #reviews, #hotel, #resort, #inn, #reservation, #deal


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    Holiday Inn Hotel & Suites Anaheim (1 BLK/Disneyland)

    jrobba (847 reviews)

    Charlotte, North Carolina

    We stayed here for a trip to Anaheim to visit Disneyland and the Honda Center for Teemu Tribute night. The hotel was great. They were quick to upgrade us from 2 doubles to 2 queens because of our IHG member status, and gave us 2 free bottles of water upon check in. The beds were comfortable, and the room was very spacious. I loved the shower which had great water pressure, always a plus after a long day walking through the park.
    They do charge $10 a day for parking, but that’s pretty standard around the area. They offer a $5 per person shuttle to disneyland, but we found that it’s just as easy, and quick to walk there from the hotel.
    The hotel also boasts a great splash area for kids, and an awesome outdoor heated pool and hot tub. The hot tub was much appreciated for the achy joints from a long day at the park.
    Overall, I’d rank it pretty high for the hotels in the Disney area, and I’m sure we’ll be back here on our next visit.

    KD92802, Front Desk Supervisor at Holiday Inn Hotel Suites Anaheim (1 BLK/Disneyland), responded to this review

    Oh behave of the hotel I would like to thank you for taking the time to share your experience. We are grateful that your stay was amazing and thank you for being part of the IHG family. Le us know when you will be returning and as always feel free to contact me if there is anything I can do for you for a future stay.

    OK, so I didn’t plan very well. This hotel is close to Disneyland and the Monorail line but I was not expecting that to be closed for repair. Thankfully the staff was able to provide us with information on an alternative to driving and parking fees. There was a city bus that they told us about that had an all-day pass for less than $7 per person. Also rather then kennel our small dog at the Park Kennel, because we had her carrier along, we were able to keep her in the room and still get back from time to time during the day for visits and walks to let her do her business. Room was comfortable, clean, has great beds, and a fridge. There was also a laundry that we took advantage of also. On sight restaurant that was OK but nothing special.

    KD92802, Front Desk Supervisor at Holiday Inn Hotel Suites Anaheim (1 BLK/Disneyland), responded to this review

    We appreciate you taking the time to write a review about your stay in our property. We are please that you choose us from all the hotels. We hope to see you return in the future and if we can do anything to help please call us at the hotel.

    Front Desk Supervisor
    Jonathan C.

    I recently attended a University graduation and stayed three nights at the Holiday Inn Hotel Suites. I traveled solo.

    Overall I thought the hotel was comfortable.

    I recently attended a University graduation and stayed three nights at the Holiday Inn Hotel Suites. I traveled solo.

    Overall I thought the hotel was comfortable and offered some valued accommodations not common to most Holiday Inns. A pleasant surprise for me, as I was planning to spend most evenings at the hotel. The onsite facilities made my stay much more enjoyable.

    The room decor and furnishings were current in decor and design, the linens were fresh, the room was clean. This part did not deviate from the standard Holiday Inn Brand I am familiar with. The room size was a bit smaller than other Holiday Inns I have been staying at during the past few years. The bathroom. we will get to that a bit later.

    The site offered a relaxing pool (with cocktail service, hey, now that’s a perk). The hotel also offers a small water park for children (another perk if traveling with children).

    The hotel includes an onsite restaurant, bar, and room service with extended hours. If you don’t return to the hotel until 9:30 PM, no worries, you can still visit the restaurant for a meal or order room service. My meal was quite good, it surpassed my expectations. I most enjoyed not having to leave the hotel. I didn’t really want the hassle of driving around town and trying to park.

    I opted to include breakfast when reserving my room and I am very glad I did. While the onsite restaurant is open to serve a menu for breakfast, the continental variety met all my needs. Fresh cooked eggs (they change the style each day), fresh cut fruits, bacon, etc. They also provide the standard pastries, waffles, etc. I love the fresh pot of coffee they bring to the table. I also love the table wait staff service.

    The hotel also has a small gift store with snacks and over the counter medicine. One day, it was just nice to walk to the lobby to visit the store to pick up some Advil.

    Around 9:30 PM you can go out to the parking lot and where you have a pretty decent view of the Disney Fireworks. I was not visiting Disney, but I did enjoy watching the firework shows two of the three nights.

    The hotel annoyances include the 24/7 TV – Disney movies blaring in the lobby. Yet, understand their main attraction is Disney. I noticed the hotel did not have a Disney shuttle service for their guests. If you have children, it can be quite a walk from the hotel to the Disney Shuttles or entrance.

    The biggest annoyance was the size of the bathroom. The shower/tub and toilet are in a closet. I was traveling solo. When entering the bathing area, you literally have to turn sideways and stand in an awkward position to close the bathroom door or step back one step to stand between the narrow gap between the toilet and the tub to close the bathroom door. The door swings only an inch from the toilet bowl. Now, I was solo, so I gave up on this claustrophobic closet madness and decided to leave the door open. Ha! When the door is left open it sits on the wall with the toilet paper dispenser. The open door makes it difficult to reach the toilet paper dispenser. It takes some acrobatics to reach around, behind the door, and feel your way to the toilet paper roll. There is a sit on the toilet, lean back, a bit sideways trick to reach that paper. Better just to have a spare roll on hand.

    I am not sure why they hotel does not place the door outside the sink area. Life would be easier for all.

    Customer service was excellent regarding all areas: the lobby, store, and restaurant.

    Holiday Inn Hotel Suites Anaheim (1 BLK/Disneyland)