Suprella .. The Genius Umbrella

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Suprella is an umbrella designed to solve all the problems that come with an umbrella. Watch the video and order yours here for 55% discount. 

As the video shows, Suprella umbrella is a reverse umbrella, it closes upwards away from the stick. This feature allows you to close it outwards while entering through the door of the car, train, a building ..etc. And as the video above shows it is a tough umbrella. If it can withstand being run over by a car, it would definitely withstand the wind and not break down on you in the middle of the rainy, windy crosswalk!

This reverse umbrella, suprella, cells on Amazon.com for around $20 and it’s totally worth it.

Click here to order your Suprella. 

How To Get A Good Deal On A Car

 

Beat Car Dealers In Their Own Game

It’s a game. Everyone needs to master how to get a good deal on a car before even thinking about buying one. Buying a new car is like a mental battle between you and the dealership. Most of the time the dealers win. Sadly you, the buyer, end up paying more than what you should pay for your purchase.

Why do dealers win? What do they have that you don’t have? I mean you are the one who has the money. If you just say “no” and leave they are not going to hunt you down!

What the dealers have over you is some knowledge, and tons of experience. You might buy a car every 5-10 years. They sell cars every day. This is what they have and you don’t have.

If you want to win the battle with an auto dealership you need an insider to fight on your side. It’s not impossible, not even close.

Now for my plan to get the best deal on a car.

How to get a good deal on a car

Read this first

There are some stuff that you need to research before you go to the dealer. They are as important for you as having your cloths on. Going to the dealership without these pieces of information (preferably printed or written on a piece of paper) is a big no.




Please read this article first, then come back to see how to use this information

Write them down on a piece of paper and take it with you. The dealer will tell you your credit score (that he decided to give you). When you tell him “no, this is my official credit score, where did you get this number from?” you’re putting the first nail in their game superiority coven.

And when they give you the car price (again based on their own preference) and you tell him that “from the manufacturer I know that this car costs that much”, you’re now controlling the game.

But keep reading because it’s not over yet.

The action plan to ge ta good deal on a car

Attack … Control

The plan is to control the game. They’re used to people saying they’re just looking even if they need the car now. Then they take you through the dealership and you end up buying a car and wondering if you got ripped off.

Now to win the game you got to play your own game. You are in control. “I want the car, give it to me or else … I’ll go shopping for my car somewhere else”. Of course you’re not gonna say that, but your attitude will.

You walk in the dealership and you’ll immediately be approached by a salesman. Make it clear that you are shopping for a new car and ask the salesman to assist you. The next thing is that you’ll immediately ask for the specific car that you are their to buy. Use something like this: what colors (features, or whatever) do you carry for xyz (and name your car make and model).

Let the salesman take you to the car of your choice, or whatever they have close to it. Don’t wait for him to control the conversation. Knowing what you want is your weapon. And if they don’t have it they will try to sell you what they have because you made it clear that you are their to buy (90% of their customers say that they are just looking). 

Knowing specifically what you want and making it clear at the beginning of the conversation gives iyou an exit if things don’t go well: “this is not the car I wanted in the first place”.

Ask for a test drive and let the sales man get the keys from inside. Offer your drivers license to the salesman to leave a copy inside and ask him to bring it back with the keys. By doing this you are ruining all of his plans on taking any kind of control, because if you don’t he will get the keys from the inside, then ask you for the drivers license to make a copy while you are test driving the car. Then to get it back you have to follow his lead.

Check the hood stuff while the car is running, make sure what you see is exactly what you saw in the pictures you collected during your research. If you see something different ask the salesman “what is this part, and why other cars of the same model don’t have it?” or something like this according to the situation. This kind of questions helps you maintain control.

Take a drive around the block with the salesman in the passenger seat. Start negotiating the price in your way back to the lot. Keep the salesman busy looking for answers, if he says he has to check with the management for the price then open another discussion about the car. What you have done so far is that you made him believe that you are buying this car today. This is a powerful psychological trick; give hope. He will be really disappointed if you show any sign of dissatisfaction and will do anything to give you the deal you want.

Once you are back to the dealership lot if you haven’t talked about the price yet ask him to get you the price and tell him that you’ll wait in the lobby. When he comes back with the price don’t read it out loud. Just take out your pin and write down next to it the price you’ll accept.

You can go down as far as you want with this number as long as you know you are within the price range you’ve got from the quotes site. Too low price will make them feel that you have been pretending all the time that you are an expert and this is when they will regain confidence and control over the sales process. You don’t want that to happen.

The sales man might come back with a half-way deal. Don’t take it. Again write down the final number you are willing to pay, and this time you’ll put the exact number you know is fair for you to pay based on your research. Make sure the salesman understand that this is your final offer, and you’ll have to go otherwise.

Now start negotiating the trade in of your vehicle (that you already know it’s value from KBB). If you don’t like the offer take it out of the deal and sell it yourself.

Now it’s the financing time. You already have a reference point from your stop at the bank, or your credit union, or from the links above. You drive the conversation. Say that you’ve got 8.5% from xyz bank, and the dealer offers you 11%, you’ll say “I’ve got 8.5%,can you beat that?” Most of the time they can. If not, 8.5% is better than 11%. It is important for the dealer to give you the financing because he will pocket at least 1% of the 8.5%.

Never let the dealer add anything to the deal. All accessories can be purchased separately for a fraction of the the price, and without adding up to the financing interest, if you just wait until you drive your car around the block and come back to the same place from the parts department. Service plans are also meant to make you pay more on the long run than your car deserves in the form of more frequent services than the car needs, and financing the plan with the car.

==> Click here to get all car dealers scams exposed to you before you buy your next car

Car Buyer Tips

2 Things To Do And 5 Things You Must Avoid In Order To Get A Good Deal on a Car

Car buyer tips are flooding the world wide web. Every body seems to have tips for car buyers based on personal experience. Despite the fact that most of those car buyer tips sites are mainly for getting you to buy or subscribe to something, those tips are all from people who have the experience to write about the issue. Think about it this way: most of the adults in North America have cars, and every one of those car owners has a personal experience to share.

In this post I’ll sort some of the basic tips for car buyers. These tips are general and cover the very basic knowledge that every body should know. If you need further help you can read any of my other related topics.

Know What You Want

 
 
Before you go to the dealership or the car auction you’d better know exactly what you want. Use the Internet and do your research. Go to the manufacturer sites and check for the features each car provides. Then get price quotes from trusted websites. Compare models based on what makes more sense to you; like safety rating, acceleration, mileage, emissions … whatever that concerns you about your vehicle. When you go shopping for your car be as specific as one certain car in mind. This is a great advantage when you deal with the salesmen in the auto dealership.

Click here to know how

 

Do your research

You must know the following pieces of information before you go to the dealership (have them written on a piece of paper if you need to):

1.Your credit score, or
2.the lowest financing rate you can get from the bank,
3.how long you will need the car (financing vs lease),
4.how much is the trade in value of your old car (if you have one), and
5.as mentioned above; how much is the car that you want.

Your credit score, or the lowest financing rate you can get from the bank or your credit union is going to be your reference point to negotiate financing your new car with the dealership. How long you’ll need the car will help you decide whether to go for financing your purchase or accepting a lease. And the trade in value of your car and the price range for the new car will help you negotiate a good deal on the whole trade in/purchase process.

 

Don’t Do This

 

5 things to avoid when buying a car from a dealer


  1. Don’t buy accessories or service plans from the
    dealership at the time of signing the contract. You’ll have them
    financed as well, which means more money out of your pocket.
  2. Don’t buy a new car just around the time of
    releasing the new year’s models. Your car will lose a lot in value once
    the new models are released.
  3. Don’t go car shopping at the beginning of the
    month, always do the opposite when dealers could be short in a few
    sales to meet the monthly cap.
  4. Don’t fall for the “no hassle” signs, unless you
    are planning to pay in cash up front. Only then it will be a good deal.
    If you finance it you’ll pay more than if you buy from any other dealer.
  5. Never give a written commitment until you see all
    the numbers in the contract that you’ll sign.

 

Used Car Buying Strategy That Works

The One Car Buying Strategy That Works

You are about to learn about the best car buying strategy that works. It actually beats up all other strategies. It is true that timing is important, as well as having control on the process. But the one car buying strategy that works, and by that I mean getting the best price on a used car, is what you are going to learn in this lens.

I work from home. And it happened that one of the companies that I am promoting is rewarding its affiliates with a CAR. So now I am not planning on using my own strategy for buying a car because someone else is paying for it :-). Just kidding. But still, I don’t need my strategy because it only works with used cars.

For new cars I do recommend reading this car-buying guide:

 

 

Connections

Make a deal with an insider

 
Don’t jump to conclusions yet, everything is ethical and legit. If you know a car dealer or an autosalesman who can work the deal for you it will be better. If not, approach more than one autodealership with the request that I’ll reveal to you in a minute and compare their responses, then negotiate with them based on the lowest offer to get an even lower one.

This is not the only kind of help you will need. Also approach a bunch of mechanics to come with you in a mission of choosing a car from thousands of cars. They should be able to evaluate the car by examining it and tell you about any repairs it might need and how much this will cost.

Again, compare their charges per hour and negotiate with them based on the lowest estimate to get an even lower one.

Find Government Auctions in your Area

Be open to drive to a nearby town, it’s worth it

If you have been to an auto auction before you’ll know that it is the best place to find the car of your dream for a dirt cheap price. I have a friend with an autodealer’s license and he is the one who introduced this strategy to me. He is also an expert in evaluating cars, so I didn’t need a mechanic to come with us.

Here is the deal that you need to work out with the dealer: You’ll go out with him to the auction (because they are going anyway, this is where they get most of their cars). You’ll pick the car of your choice, let the mechanic check it for you, test drive it yourself, and once you are comfortable with it let your dealer know that you want this car.

Tip: Pick a bunch of cars to bid one, if you chose just one car and someone outbids you you’ll need to pick another one in a hurry and you don’t want to do this. Trust me.

The dealer will bid on this car within the maximum you’re prepared to pay for it. After successfully getting the car he will pay an auction fee (around $60) and will ask you to drive the car to the dealership with him to finish the paper work. As a dealer he will issue you on the spot a temporary plate (just a piece of paper to stick on the back of the car) until you get permanent plate and car insurance.

How Much to Pay for The Car

It’s a simple calculation

Before you go to the auction do your research. Kelly blue book will give you a precise estimate for the car price based on the model year and conditions. If you have a black berry it will be better because you might see a car in the auction that you like but you didn’t search for in advance.

Your costs will be as follows:

– The auction fee: about $60
– The dealer’s fee: It really varies, but from my personal experience it could range between $200 and $400 based on the location of the auction, the number of cars you’ll be chosing to bid on, the price of the car itself … etc.
– The mechanic fee (they usually charge between $45 and $80 per hour)
– Any repairs the car might need as esimated by the mechanic (subtract this from the kelly blue book price)

As mentioned above, you’ll be negotiating those fees with the dealers and the mechanics until you get the lowest fee possible.

Add those to one another, and based on the price estimate you’ve got from your research you’ll decide your maximum bid on every car you chose.

Why Do you Need a Dealer

To get admitted into the acution location you’ll need a dealer’s license. So without the dealer you can forget about the auction. If you are a car expert, meaning that you can estimate the value of a car by checking the body, the engine, test driving … etc, you can omit the mechanic, but for most people it is not wise to depend on your own opinion when it comes to evaluating a car in a police auction.

The other reason you need the dealer is that you cannot drive the car out of the auction without the paper work that he will do for you until you get plates and auto insurance.

In addition, if you have been into an auto auction before you’ll know this. There is a language they speak in the auctions that I never understood. I always keep asking my dealer friend “what did he say” and he translates that jargon into English for me.

OK, What’s in it for the Dealer?

You need to know this in order to work your negotiations out

In the current economy, with thousands of autodealerships running out of business, any deal will be appreciated by the autodealers. They will go to the auction anyway. If you go with them, pick your car, and pay them for their efforts … they can’t say no.

Of course they would have made more money if they bought the car, brought it to the dealership lot and priced it as they will. But in this economy they will hesitate to buy the car or go the auction in the first place. With your deal they guarantee a sale from the auction.

Tip: If you are a group of friends buying cars at the same time you can work out a better deal and the dealer will be happier to work it out for you. Or better, if you know people who are interested to go out with you you can work out a better deal for yourself and get a lower fee because you are bringing business to the dealer.

In a Nutshell

Find the auction, do your reasearch about the car of your dreams, negotiate with dealers on going with you, or you going out with them to the auction, get a mechanic to evaluate the car for you, decide what is your maximum bid, and let the dealer do his job. This is the best strategy to get a used car for the lowest price ever.

First Car Tips

First Car Tips

Buying a car for the first time is so exciting. You just got your license, or you moved out of home to start your own life at school or work. Or you just immigrated from where you never needed a car before. Everything is so exciting. But don’t get too excited and ignore doing your research. I assume you didn’t ignore it as you are already here.

This first car tips lens is to show you some obstacles that you’ll face trying to buy your first car and how to get around them. Everything in life looks either too hard or too easy until you start doing it, only then you’ll realize its reality.

New vs. Used

Can you afford a new car?

Even if you do, my recommendation is not to. A new car loses at least $3000 in value once you drive it out of the auto dealer’s lot. A two-year-old car will lose 30-40% of its value, assuming you took good care of it and had no accidents.

As a first time car owner you still don’t know a lot about different cars and advantages and disadvantages of certain car makes. You’ll probably want to change your car frequently until you are comfortable with a certain car to stick with for the next 5-7 years.

You see, in the first two years of the car’s life it loses a lot of it’s value. Why would you pay for that loss in your first car? Let someone else pay for it and get your car two years later.

How to Pay for your First Car

First car financing obstacles

If you are a youth or a new immigrant to North America, in both cases you have no credit history. Without credit history you can’t get any good deal on car loans. Not only car loans. You’ll get the same response when you apply for any financial aid.

There are two steps for getting your car financed for you:

1. Fix or build a credit history. Without one you can’t get any loans. You’ll see some ads for financing cars for bad or no credit, DON’T GET FOOLED by those ads or you’ll end up paying up to double the real value of the car. Use this guide to fix your credit yourself or use this service to fix your credit issues first if you have any. But it will take you at least 6 months from starting to build your credit history before you might be approved for any auto loans.

2. Choose a car you can afford paying in full in 36-48 months and put 20% of its value down (pay 20% of the price as a down payment). Here is why: As mentioned above, the first car doesn’t last long with you and you’ll probably want to change it frequently. If the car is too expensive to be paid in full in 48 months and you didn’t pay 20% down you’ll owe your bank or lending institution more than what the car is worth (they take the interest first). You’ll either have to pay that out of your pocket or you’ll have to add it to the next car’s loan.

Consider Other Expenses

Car ownership costs more than just the car itself. Be aware of other expenses. The list includes gas, oil change, tire change, regular maintenance, parking, car insurance, and winter service in snow areas.

Gas and oil, together with regular maintenance are beyond your control as they are a must. Of course you can control your gas consumption by driving less, but you can’t avoid the ever-changing prices of gas. If you are renting (most probably) make sure you have a parcking spot included in the rent.

The one thing that needs a lot of research is the car insurance. So many factors will make your auto insurance high, and all of those factors apply to you. As a teenager your car insurance will be the highest. The type of car will affect your car insurance. Generally a full size sedan gets a lower insurance than a 3 or 2 door car. So keep that in mind before choosing the car.

Also, make sure you get auto insurance quotes before you buy the car, and compare different cars and different insurance companies until you get the best combination. This website offers some help with this issue.

IN A NUTSHELL

You need to plan to buy your car at least 6 months ahead. Start with your credit history, compare cars, and get insurance quota for the car(s) of your choice before you go out shopping for your first car.