News 9 Puts Do-It-Yourself Hail Damage Repair To The Test, do it yourself auto repair.#Do #it #yourself #auto #repair


do it yourself auto repair

Recent severe weather caused widespread damage across the metro. Roof damage and busted car windows can cost thousands to repair, but what about those hail dents in the body of your car?

Some people say skip the body shop all together. But is that a good idea?

If you re like thousands of other Oklahomans who suffered hail damage from the recent storm, you might have thought to yourself. Can you save a few bucks on repairs? Well we decided to find out if there are really any cheap and effective do it yourself repair methods.

A simple Google search for hail damage returns dozens of result for “do it yourself” repairs. Some reviews say they work, others say no way.

So we grabbed the dry ice, compressed air, a hair dryer, the “Pops-a-dent” kit, and, of course, the damaged car to test them on.

First up is the “Pops-a-dent.” The directions say apply a generous amount of hot glue, attach the pad to the car and wait.

In the meantime, we moved on some other suggestions. The guy in an instruction video says to heat up the area around the dent with a hair dryer until it s hot to the touch, and then put the dry ice over the dent. It s supposed to force the metal to contract and dent pops out, or not.

It turns out the dent is still there.

With that, we tried the compressed air after heating up the dented area, which is supposed to have the same effect, but no luck.

Eight-minutes later and the “Pops-a-dent” is ready. It popped, but the dent is still there.

We couldn t get any of these methods to work, but several of our viewers told us on Facebook it can work.

Some of these techniques might work better on bigger dents, so feel free to try them. But judging by the amount of dents this recent hail storm left behind, it might just be worth it to take it to the body shop.

So if you do take your car to a repair shop, there are a few things you want to keep in mind. Ask people you know to recommend a good place, never pay up front and check the company s Better Business Bureau grade.


Transmission Repair Davie & Transmission Repair Fort Lauderdale, do it yourself auto repair.#Do #it #yourself #auto #repair


Why Transmission King Repair Services?

  • Insurance Accepted
  • Warranty 1 Year or 12,000 Miles
  • Up-Front Pricing FREE Check-Ups
  • Service Most Any Foreign Or Domestic Vehicle
  • Family Operated Business For 30 Years

Do it yourself auto repair

Do it yourself auto repair

Transmission Repair Fort Lauderdale

Having A Transmission Problem?

Telltale signs of the need for transmission repair:

Loss of power upon acceleration

Transmission does not go into gear

Hard or late shifting of gears

Car is unable to move

Having a problem with your car is a tremendous inconvenience. We want to make fixing your transmission problems as easy and as affordable as possible. You can take advantage of our 24 hour transmission repair hotline to reach a transmission expert 24/7 so you won t lose sleep worrying about what to do.

Our reputation as transmission experts is important to us so we work hard to make sure you are a satisfied customer. Our transmission shop has been operated by our family for 30 years. We have done business the old fashioned way with integrity from day one and we are not about to change now. We want your business and your referral.

We will arrange for towing your car and provide this service free of charge with transmission repair.

Our transmission experts do road tests, performance checks, and electronic diagnostics (value = $200) to determine the cause of your transmission problem. All of these services are free of charge to our customers. So you can get free check-ups for the transmission work that needs to be done.

Need financing, no problem. Transmission King provides financing with approved credit and accepts insurance.

We know our transmission experts do the job right, so we guarantee our work with a 1 year or 12,000 miles warranty.

Whether your transmission problem is for a foreign or domestic vehicle, our transmission specialists can handle the job.

KEEP YOUR CAR AND YOUR LIFE IN MOTION!

Transmission Maintenance on Your Car Can Prevent Expensive Repairs

Free Repair Estimates Available

Your transmission is an important part of your vehicle. Our latest diagnostic aides and technology, plus routine check-ups keeps your transmission fluid clean and your transmission running smoothly for a longer life for your automatic or standard transmission.

Do it yourself auto repairOur certified technicians specialize in:

? Transmission Installation and Maintenance

? Transmission Remanufacture and Replacement

? Foreign and Domestic Vehicles

? Heavy Duty Trucks, 4x4s, and RVs

? A Transmission Case, Differentials and Universal Joints

? State-of-the-Art Computer Diagnostics

Wheel bearings, Fly Wheels, Starters

Whether you need transfer cases, differentials and universal joints, clutches, CV boots, CV Joints, Axles, a Gear Box or state-of-the-art computer diagnostics, Transmission King is your #1 transmission repair shop. Our certified technicians determine which adjustments, transmission repairs, or replacements are needed.

Serving Broward, Palm Beach and Dade Counties

Do it yourself auto repair

FREE TOWING only with major repair.

Mon. – Fri. 7:30am to 5pm

24/7 Hotline Available

Do it yourself auto repair


Transmission Repair Davie & Transmission Repair Fort Lauderdale, do it yourself auto repair.#Do #it #yourself #auto #repair


Why Transmission King Repair Services?

  • Insurance Accepted
  • Warranty 1 Year or 12,000 Miles
  • Up-Front Pricing FREE Check-Ups
  • Service Most Any Foreign Or Domestic Vehicle
  • Family Operated Business For 30 Years

Do it yourself auto repair

Do it yourself auto repair

Transmission Repair Fort Lauderdale

Having A Transmission Problem?

Telltale signs of the need for transmission repair:

Loss of power upon acceleration

Transmission does not go into gear

Hard or late shifting of gears

Car is unable to move

Having a problem with your car is a tremendous inconvenience. We want to make fixing your transmission problems as easy and as affordable as possible. You can take advantage of our 24 hour transmission repair hotline to reach a transmission expert 24/7 so you won t lose sleep worrying about what to do.

Our reputation as transmission experts is important to us so we work hard to make sure you are a satisfied customer. Our transmission shop has been operated by our family for 30 years. We have done business the old fashioned way with integrity from day one and we are not about to change now. We want your business and your referral.

We will arrange for towing your car and provide this service free of charge with transmission repair.

Our transmission experts do road tests, performance checks, and electronic diagnostics (value = $200) to determine the cause of your transmission problem. All of these services are free of charge to our customers. So you can get free check-ups for the transmission work that needs to be done.

Need financing, no problem. Transmission King provides financing with approved credit and accepts insurance.

We know our transmission experts do the job right, so we guarantee our work with a 1 year or 12,000 miles warranty.

Whether your transmission problem is for a foreign or domestic vehicle, our transmission specialists can handle the job.

KEEP YOUR CAR AND YOUR LIFE IN MOTION!

Transmission Maintenance on Your Car Can Prevent Expensive Repairs

Free Repair Estimates Available

Your transmission is an important part of your vehicle. Our latest diagnostic aides and technology, plus routine check-ups keeps your transmission fluid clean and your transmission running smoothly for a longer life for your automatic or standard transmission.

Do it yourself auto repairOur certified technicians specialize in:

? Transmission Installation and Maintenance

? Transmission Remanufacture and Replacement

? Foreign and Domestic Vehicles

? Heavy Duty Trucks, 4x4s, and RVs

? A Transmission Case, Differentials and Universal Joints

? State-of-the-Art Computer Diagnostics

Wheel bearings, Fly Wheels, Starters

Whether you need transfer cases, differentials and universal joints, clutches, CV boots, CV Joints, Axles, a Gear Box or state-of-the-art computer diagnostics, Transmission King is your #1 transmission repair shop. Our certified technicians determine which adjustments, transmission repairs, or replacements are needed.

Serving Broward, Palm Beach and Dade Counties

Do it yourself auto repair

FREE TOWING only with major repair.

Mon. – Fri. 7:30am to 5pm

24/7 Hotline Available

Do it yourself auto repair


Online Auto Repair Manual – Do It Yourself #used #car #sales


#do it yourself auto repair
#

Online Auto Repair Manual

Want Professional Results on Your Next DIY Project?

Start with Professional Technical Data and Insider Tips.

Hello, my name is Dana Michaels, and I built this web site for Auto owners who are searching to find the best factory repair manual for their Do It Yourself repair projects.

This site provides a detailed review of the ALLDATA DIY product. It is designed to give you a lot of information and save you a lot of time. You can find out what the pros know in as little as five minutes.

To get the most from your time here, as you scroll down the page we recommend you do these five steps:

  1. Scan the feedback under my picture from ALLDATA DIY users.
  2. Scroll down through the “What’s Under the Hood?” section to see a detailed overview of what you get with an ALLDATA DIY online repair manual subscription.
  3. Kick the tires. as you scroll down, make sure you click on some of the little icons to see some screen shots.
  4. Take it for a spin. check out the live demo and use it to look up your specific problem on the sample vehicle so you know what you can expect to find for your vehicle.
  5. While you are there, go lookup all the TSBs and Recalls (the list of titles is free to anyone, but the details are inside the manuals).

In my experience only ALLDATA DIY provides the complete set of factory service manuals with comprehensive technical data for DIY auto repairs in one affordable package. That includes all of the specifications, diagrams, step-by-step procedures, OEM part numbers, technical service bulletins (TSB), factory recalls, component locations, diagnostic codes, and they even show you how to change the light bulbs. Unlike some other products, nothing is left out.

The reason ALLDATA can do this is because they are the premier provider of factory technical data to over 70,000 independent repair shops and dealers who subscribe to ALLDATA for all vehicles. Now that same professional technical data is available under the ALLDATA DIY brand at a deep discount to private owners.

I believe ALLDATA DIY is the best product in its class, but it may not be what you are looking for. So the best I can do is put it all on the table and make sure that you leave here armed with the information to make an informed decision about whether or not it is right for you.

If you have been looking at other products, I promise you will not be disappointed when you see what ALLDATA is offering for less money.

I hope you enjoy visiting my site today, and that you find this information useful. Let me know what you think using the contact link to leave me some feedback or ask a question.

Best wishes and good luck,


Do It Yourself Automotive – Auto Repair – Phoenix, AZ – Reviews – Photos #volo #auto #museum


#do it yourself auto repair
#

Recommended Reviews

The staff at DIY Auto is helpful, friendly, and competent. I would say that anyone who is going somewhere else would be losing money. I… Read More

BEWARE! I took my car to this guy  (Norman Heck aka Skip ), because I trusted him. He really seemed to know his stuff, and I thought he was an honest and professional mechanic. He not only scratched my hood so deep that the paint came off (looks like someone put a mechanical component on the top of it and it slid), but he didn t even own up to the responsibility of not connecting the power steering pump to the reservoir correctly! His response to anything is that it was like that before he got it. Along with that, my car was in the shop nearly two weeks. I was told it would only take a few days. He has great rates, but it is NOT worth it. I REGRET TAKING MY VEHICLE TO HIM! It was a HUGE mistake. Do It Yourself Automotive is a joke, and if you don t believe me; take a good look around the shop and at the way things are run. Take your car elsewhere if you don t want any trouble.

Do It Yourself Automotives response to Lucas K. As we all know, You can t please everyone all the time. While some of what Lucas is saying is accurate, he is not telling the whole story. On 7/3/12 Lucas came to us asking us to replace his timing chains and motor mounts on his 2006 Altima. We agreed and I told him we would try to get his car back by Friday the 6th. I ordered his parts from a Nissan Dealership and they arrived the next day. We got the motor out of the car on Thursday the 5th and found a very worn set of Chains, Tensioners and Guides as well as 3 of the four motor mounts.  Friday we started to put his car back together and found that the Dealer had sent us some wrong parts and completely left out another part. This put us in a bind as the parts had to be special ordered and would take a couple of days to get. Being Friday afternoon, the dealer told us that the soonest we could get them was Wednesday afternoon. Throughout this process we were in contact with Lucas making sure he had transportation. He continually said it s no problem, He was using a company car. On Tuesday the 10th he told us he had to give the company car back to a coworker and needed transportation. At that time we rented Lucas a car at no cost to him, until we could complete the repairs on his. On Saturday the 14th we finished his car and he picked it up. He was back in 15 minutes complaining of steering  and transmission issues with the car. He had been in about a week or two prior to the timing chain/motor mount repairs complaining of steering issues. I test drove the car and found no problems. I explained to him that we repaired the timing chains on his car, not the steering or the transmission. Neither of the issues have anything to do with the work we performed. John, Our ASE Certified Master Technician went with him on a test drive to experience these issues and found nothing. John asked Lucas how the engine ran and Lucas responded, Its GREAT! John replied, that s what we fixed.  John also explained to me after the ride that Lucas was driving the car like it was a NASCAR event and actually scared John.  Lucas returned again an hour or so later still complaining of a clicking in the steering wheel which I could not recreate. I explained to Lucas that we would love to look into these issues and repair them at an additional cost. He said he would return in a week or so. On7/19/12 Lucas came to our shop saying his steering was whining. I looked and his reservoir was a little low on fluid so I filled it up at no cost to him. As I was doing this he said he had found a scratch on the hood of his car the day before and accused us of causing it. As I tried to explain the care we took he kept cutting me off and getting louder and eventually yelling. This I admit got me excited and I got angry and told him to leave the property.  This is a Black car. There is no way one could miss the scratches he showed me for 5 days and then just all of a sudden see them. They stood out like a neon sign. We took very good care to make sure that we caused no damage to his vehicle or any other for that matter. The first thing we did when his car came in, was take the hood off the car completely wrap it up and placed it in another part of the shop where it couldn t get damaged. To us it seems he wants to blame us for every problem the car has now.   He was quoted $2230.00 and his final bill came to $2097.84.   Sincerely, DIY Automotive


Online Auto Repair Manual – Do It Yourself #auto #store


#do it yourself auto repair
#

Online Auto Repair Manual

Want Professional Results on Your Next DIY Project?

Start with Professional Technical Data and Insider Tips.

Hello, my name is Dana Michaels, and I built this web site for Auto owners who are searching to find the best factory repair manual for their Do It Yourself repair projects.

This site provides a detailed review of the ALLDATA DIY product. It is designed to give you a lot of information and save you a lot of time. You can find out what the pros know in as little as five minutes.

To get the most from your time here, as you scroll down the page we recommend you do these five steps:

  1. Scan the feedback under my picture from ALLDATA DIY users.
  2. Scroll down through the “What’s Under the Hood?” section to see a detailed overview of what you get with an ALLDATA DIY online repair manual subscription.
  3. Kick the tires. as you scroll down, make sure you click on some of the little icons to see some screen shots.
  4. Take it for a spin. check out the live demo and use it to look up your specific problem on the sample vehicle so you know what you can expect to find for your vehicle.
  5. While you are there, go lookup all the TSBs and Recalls (the list of titles is free to anyone, but the details are inside the manuals).

In my experience only ALLDATA DIY provides the complete set of factory service manuals with comprehensive technical data for DIY auto repairs in one affordable package. That includes all of the specifications, diagrams, step-by-step procedures, OEM part numbers, technical service bulletins (TSB), factory recalls, component locations, diagnostic codes, and they even show you how to change the light bulbs. Unlike some other products, nothing is left out.

The reason ALLDATA can do this is because they are the premier provider of factory technical data to over 70,000 independent repair shops and dealers who subscribe to ALLDATA for all vehicles. Now that same professional technical data is available under the ALLDATA DIY brand at a deep discount to private owners.

I believe ALLDATA DIY is the best product in its class, but it may not be what you are looking for. So the best I can do is put it all on the table and make sure that you leave here armed with the information to make an informed decision about whether or not it is right for you.

If you have been looking at other products, I promise you will not be disappointed when you see what ALLDATA is offering for less money.

I hope you enjoy visiting my site today, and that you find this information useful. Let me know what you think using the contact link to leave me some feedback or ask a question.

Best wishes and good luck,


How To Sell New Cars (Without Hating Yourself) – The Truth About Cars #buy #cars #online


#how to sell a car
#

How To Sell New Cars (Without Hating Yourself)

I remember the look on my father’s face when I explained to him that I would be selling cars. It was the look any of someone who has just heard the details of a grisly murder; a bit of curiosity, quickly overtaken by disdain. He sank into his chair. “It’s a job,” he grunted, and I realized that was as strong an endorsement for my new job as I was going to get. Truth be told, I felt about the same.

It s no surprise that the car salesman has been painted as a snake-oil pusher; a charlatan peddling his wares to people in an unethical manner. Like all stereotypes it s a vast overgeneralization, but I had the same perceptions of car salesmen as anyone going into my first day at work. I wondered: how accurate were the portrayals in popular culture? Would I have to get white shoes and slick back my hair? Would I have to wear a pinky ring?!

My fears were assuaged as I was let in on the trade secrets. Here’s the dirty, sordid summation of car salesmanship: guide, but don’t push. That’s it in a nutshell. Sure, we accentuate the positive attributes of a car and explain why the car fits the needs you, the buyer, have laid out for us, but it does neither you nor us any service to try and push you into a car you don’t want.

The nature of the business is a strange one; both sides, neither friends nor foes, feigning small-talk while each wanting to retain money that is up for grabs. As my contempt for my new profession faded and I discovered that a few bad apples had soiled the reputation of all car salesmen, I began to observe the odd interactions between buyers and salesmen. Certain unexpected truths quickly revealed themselves.

Truth #1: Everybody Wants to Buy, but Nobody Wants to be Sold

On my second day at the job, a veteran salesman summed up every buyer: everybody wants to buy, but nobody wants to be sold. He was right.

Instead of pushing anything, I began to familiarize myself with cars and whenever I talked to an “up” (an on-the-lot customer), I started by asking buyers what were “musts” and what were “preferences”. The process started with them narrowing in on what they envisioned for their ride. If people envision driving down the freeway in a luxury SUV, no matter what kind of sedan you show them, they will feel conned if you push them towards a sedan. Then, you will have lost their trust and most likely, their business. So, we always take the buyer’s lead. “You want a ½ ton Chevy with an extended cab? Great, we have several of them. You mentioned you would like it black. If the price was right, would you consider a different color?” Every preference has its price.

Despite the shady reputation, car salesmen really do listen and care what car you want. The problem is that most buyers aren’t sure of what they want themselves. We have to guide you to the sale, but make sure it’s your idea. Honestly, it’s exhausting. Our persuasive skills mainly come into play in the negotiation process. So, before you step on the lot, write out your “musts” and be prepared to articulate them to your salesman and you’ll make it easier to find that for which you are looking.

Truth #2: Buyers are (Most Likely) Not Professional Negotiators

As we walk amongst the rows of cars, buyers are wary of salesmen. They’re fearful we will pull some voodoo magic mixed with a Jedi mind-trick and force them into buying a car against their will. Once they’re in the office, a façade of skepticism and unearned bravado washes over them and anxiety dissipates like a Xanax in full effect. Husbands will swagger as if to say, “I’ve got this. I know how to haggle.” It’s an odd phenomenon because this is where buyers should feel the least confident.

We know the buyer likes the car. The average person goes through the car buying process a handful of times in their lives. Yet, while the salesman deals in car sales frequently, the buyer often puts forth a confident front. It’s reminiscent of the stereotypical tourist who saddles up to the blackjack table in Vegas insisting that he has a “system” after having read a book about gambling on the plane. Remember: they didn’t build Caesar’s palace by losing to tourists, and we don’t sustain a living by being bested by buyers. Does it happen? Sure, but not often.

It’s weird to witness; the theatrics people pull to show they won’t be pushed around. They will stomp out in a huff and hope we chase after them. They will low-ball us and claim that they saw the exact same car down the road for that price. If they had, they would be down there buying it.

The best way to get a killer deal is to approach the negotiation from a prepared standpoint. Do your research! Know, realistically, how much the car is worth (not according to Kelley Blue Book, but local market value), and understand that the dealership needs to make a profit, too. If they offer you a ludicrous deal, showing them that you know your stuff goes a long way to getting them to knock off the high-balling. If you come prepared with a reasonable offer, based on facts and not wishful thinking, things will go a lot smoother for everybody and you won’t appear foolish. While bravado is often a sign of unsure footing, preparedness illustrates to us someone who is not easy fooled and will often yield a better deal.

Truth #3: The Real Savings are in the Trade-in Allowance, not the Price

People do whatever they can to not pay sticker price. Paying full sticker can feel like a moral defeat. However, where salesmen often have the most wiggle room is in the trade-in allowance.

We get a commission based on the profit the dealership made. We also give you the littlest amount for your trade-in so that when we sell it, we make the most money. Furthermore, we need to allow as much room as possible in case your trade-in (that you swore “runs like a top”), needs costly repairs.

When you come into our office and demand we lower the asking price, we are hesitant to do so because it eats away at the profit margin as well as our commission. A better tactic is to ask for a better price on your trade.

This is tricky. Don’t be defensive. Everybody is defensive when that jewel of a car is appraised for two-thirds its actual value. Instead, insist that the sticker price is a bit high, but that you are more concerned with the trade-in allowance. Getting a thousand dollars more for your trade-in is the same as getting a thousand dollars off the selling price. But it can be easier to get the trade-in number to budge.

Of course, every dealership is different and may have different policies as to how they figure commission. So it won’t necessarily work at every dealership. But if raising the trade-in allowance doesn’t affect the salesman’s commission, then you will likely get less resistance from him.

It’s a strange business, alright. However, people need cars and as my dad said: it’s a job.


Selling Yourself: How to Sell Your Car Online, the Right Way – Feature – Car and Driver #best #auto #insurance #companies


#how to sell your car
#

Selling Yourself: How to Offload Your Car Online, The Right Way

July 29, 2015 at 9:20 am by Aaron Robinson | Illustration by Chris Philpot

We are programmed by nature to acquire, which is one reason selling is so much less fun than buying. But almost all automotive love affairs end, and selling a car online painlessly and for the highest price takes some planning and effort. Look at it this way: The extra hour you spend taking good pictures and writing a thorough description for a sales site may net you another $1000 or more. Not bad for an hour’s labor.

Step 1: Pick the right sales venue.

You’d no more list a ’96 Mustang on Hemmings than you would a Bugatti Veyron on Craigslist—unless you wanted to be called by 15,000 bored teenagers. All online classified sites have their weaknesses: eBay’s relentless countdown clock seems to make idiots out of some bidders, who ultimately back out; Cars.com and AutoTrader.com charge and mix you in with a lot of dealer ads; and Craigslist’s free ads mean you’re lost in a tsunami of daily listings. In general, if you are a gambler who abhors personal contact, eBay is for you. If you don’t live in paranoid fear of the public, then Craigslist is a perfect, no-cost outlet. The other sites lie somewhere in between.

Step 2: Take at least 30 pictures.

Good pictures sell cars. Make sure you get all four sides and the roof, and don’t forget the engine, the interior, the odometer, and even the undercarriage. Nobody wants to buy a car covered in cat prints and gardening crap from a dark garage. Drag it out, clean it, and shoot it. Even better, shoot it in the “sweet light” of a nice evening.

Step 3: Write a description.

“Runs xlnt” won’t cut it. Say how long you’ve had it, what work you’ve done, what’s good about it, and also what’s bad. Be honest; the more flaws you include, the more the buyer will trust that you’re not completely clueless or hiding a disaster.

Step 4: Set a price.

eBay’s own research shows that low reserves produce higher sale prices, because once the reserve is met, the bidding takes off. So be brave and don’t use a reserve, or set the reserve at the lowest rock-bottom sum you’ll accept. On a fixed-price site like Craigslist, research what other people are asking for similar cars.

Step 5: Sell!

Put your phone number in the ad. The NSA already has it and nobody else cares. If you are fearful of spam bots, spell it out this way: 55five1two1two. If you’re selling on Craigslist, post the ad on Thursday so it’s not lost in a billion other ads when the weekend arrives. If you’re selling through eBay, end the auction on Sunday evening, when people are sitting around with nothing better to do than look at cars online. Be available to answer your phone, and when the sale is done, be kind to your fellow man and pull down the ad immediately. Then start looking for a new car.


Online Auto Repair Manual – Do It Yourself #auto #body #kits


#auto repair manuals online
#

Online Auto Repair Manuals

Want Professional Results on Your Next DIY Project?

Start with Professional Technical Data and Insider Tips.

OEM Factory Service Manuals Online

This site provides a detailed review of the ALLDATA DIY product which is an affordable DIY version of the same professional technical data that over 70,000 independent repair shops and dealers use every day.

Only ALLDATA DIY provides instant online access to the complete OEM factory service manuals with manufacturer specifications, diagrams, step-by-step procedures, OEM part numbers, technical service bulletins (TSB), factory recalls, component locations, and diagnostic codes all in one affordable package. They even show you how to change the light bulbs. Unlike some other products, nothing is left out, and there are no annoying upsells.

Click Here to Get Your Auto manual by ALLDATA

Review Continues below.

To get the most from your time here, as you scroll down the page we recommend you do these five steps:

  1. Scan the feedback from ALLDATA DIY users on the right.
  2. Scroll down through the “What’s Under the Hood?” section to see a detailed overview of what you get with an ALLDATA DIY online repair manual subscription.
  3. Kick the tires. as you scroll down, make sure you click on some of the little icons to see some screen shots.
  4. Take it for a spin. check out the live demo and use it to look up your specific problem on the sample vehicle so you know about what you can expect to find for your vehicle.
  5. While you are there, go lookup all the TSBs and Recalls (the list of titles is free to anyone, but the details are inside the manuals).

ALLDATA is the only publisher I know that offers a money back satisfaction guarantee. and check this out: if you ever trade yours for a different vehicle during your subscription period you can switch your ALLDATA DIY subscription to the new vehicle for free.

If you have been looking at other products, I promise you will not be disappointed when you see what ALLDATA is offering for less money.

I believe ALLDATA DIY is the best product in its class, but it may not be what you are looking for. So the best I can do is put it all on the table and make sure you have all the information to make an informed decision.

I hope you enjoy visiting our site today, and that you find this information useful. Let us know what you think using the contact link to leave some feedback or ask a question.

Best wishes and good luck,


6 Risky Ways To Pay Off Credit Card Debt #settle #credit #card #debt #yourself


#

6 risky ways to pay off credit card debt

The best way to pay off credit card debt

There are many strategies for paying off credit card debt. You could trim your spending and direct the extra cash to cut the debt. Or, you could make more than the minimum payment each month and be debt-free after several months of sacrifice.

But as with losing weight, there are shortcuts you don’t want to take to pay off credit card debt. Bankrate outlines six of them.

  1. Paying just the minimum.
  2. Taking money from retirement accounts.
  3. Robbing emergency savings.
  4. Tapping home equity.
  5. Skipping the mortgage payment.
  6. Taking out another loan.

Jamie Grill/Getty Images

No. 1: Paying just the minimum

If you want to get out of credit card debt, paying the minimum each month is the slowest way to get there. It’s also incredibly expensive.

For example, say you have $5,000 in debt on one credit card. Your interest rate is 15 percent, and your minimum payment is calculated by adding interest to 1 percent of the balance. If you pay the $112.50 minimum required each month, it will take 266 months, more than 22 years, to pay it off. And you’ll end up paying $5,729.21 in interest on top of the original balance.

You could get a personal loan to consolidate all the debt into a fixed monthly payment at rates that are usually lower than average credit card rates.

Portra Images/Getty Images

No. 2: Taking money from retirement accounts

Using retirement savings to pay off credit card debt is expensive.

Besides raiding your future financial security, you could owe taxes to the IRS if you withdraw tax-deferred money from certain retirement accounts. Additionally, you may incur a 10 percent penalty if you withdraw funds too early.

Instead, consider temporarily stopping contributions to your retirement account and use that additional money to pay off your credit card, says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax.

The interest you’re paying each month as balances roll from one month to the next is outpacing the returns you’re earning from your monthly contributions, he explains. Just remember to restart your contributions as soon as you clear your credit card debt.

No. 3: Robbing emergency savings

Remember that rainy-day fund? Fight the temptation to put that cash to use.

“Losing your job is an emergency. Paying off your credit card is not,” Ulzheimer says.

Draining your emergency fund to pay off credit card debt exposes you if a real emergency strikes. You could be vulnerable for a year or longer as you replenish the savings. What constitutes a real emergency? Things such as a medical issue, natural disaster or job loss.

Ulzheimer says if you feel compelled to use those funds, don’t wipe them out. Use a small portion along with other available cash as a stopgap for your credit card debt.

No. 4: Tapping home equity

There’s some debate as to whether pulling equity out of your house to pay off credit card debt is a good idea. Ulzheimer points out that many homeowners have traditionally tapped home equity to help pay for other debt such as credit cards. However, some homeowners may not even have that option because home prices have yet to rebound in their area.

“Put a check in the ‘careful’ column,” says Ulzheimer. “If you have equity, you don’t want to push yourself too close to 100% loan-to-value. You’re endangering your home.”

RATE SEARCH: A personal loan can be a viable alternative to tapping home equity to pay off debt. Check loan rates and estimate your monthly payments on Bankrate.

No. 5: Skipping the mortgage payment

Paying the credit card bill instead of the mortgage payment is also a huge risk and leaves you vulnerable to foreclosure.

Sadly, this strategy became more common after an unprecedented drop in home prices put more homeowners on the brink of losing their homes, says Barrett Burns, president and CEO of VantageScore Solutions, the company behind the credit-scoring model VantageScore.

It is all too common for families to depend on credit cards as lifelines to pay for the basics and get overextended. It’s OK to use credit cards in this way, as long as you can make the payments and keep those credit lines open, Burns says. It becomes a problem when keeping the lines open means missing a mortgage payment.

Credit card issuers are quick to shut down delinquent credit lines because they are unsecured debt. The road to foreclosure, by contrast, is much longer, and many homeowners recognize they could have as long as a year before they are evicted. Still, a house is most Americans’ largest asset, and jeopardizing it to save a credit card could come back to haunt you.

PhotoAlto/Eric Audras/PhotoAlto Agency RF Collections/Getty Images

No. 6: Taking out another loan

Avoid payday loans at all costs, Ulzheimer says. Title loans, or loans against a car, are usually too costly to pay for overspending.

However, Ulzheimer recommends considering a signature loan, or unsecured personal loan, from a bank or credit union.

You’ll want to make sure you can qualify for this type of loan at a reasonable rate and an affordable minimum payment. Sometimes the rate is better than a credit card. And be ready to give proof that you have the income to pay back the loan.

The drawback? These loans typically come in small amounts, from $1,000 to $35,000. So, if your credit card debt is huge, a signature loan may not cover it all.

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