Tips & Advice
How can you negotiate a good price with a car dealer?
If you want to negotiate a deal with a car dealer know what you want going in, understand the market value of the car, and have a budget. If a dealer will not negotiate, simply go to their competition (even between dealers of the same brand)--someone will lower the rate to get you into the car. Be sure to shop late in the year or at year-end sales when dealers are purging inventory for the new models. here are also many places to shop online and get a new car without even leaving your home.
Is it better to get a car loan from a bank or a dealer?
It is better to get a loan from the lender that gives you the best deal. Lending institutions are in this to make money and that can fuel fierce competition for your business, which gives you the advantage. Dealerships can offer great financing deals if you look around and shop the competition – and so can banks. Get rates and compare. Chances are good someone will look to beat competitor’s quotes, especially dealerships that are pressured to make sales quotas, often in lieu of actual profit on the vehicle.
How much of a down payment is required to buy a car?
All down payments are different and are determined by several factors, starting with your credit. If you have good credit you might qualify for no down payment. How much is the car? Are you buying or leasing? Is it a new or used car? Is it a dealership or an independent car lot? What are your financial capabilities? All of these will factor into your down payment and future payments. Be aware that if you go with no down payment, your actual monthly payments will be higher. You are still purchasing something over a period of time, and they have to recoup that money somewhere. Some dealers use no down payment as an incentive to lure you in, but that doesn’t necessarily mean you are paying less.
Can you trade in a car that is not paid off?
Absolutely! It is very common to trade in a car that is not fully paid off. The dealership assumes the remainder of the contract and you get a new (or pre-owned) vehicle.
Do car dealerships buy cars?
Many, but not all, car dealerships will buy your car. Practically all of them will accept your car as a trade-in if you are buying a car from them. Used car dealers make their living on buying and selling used cars. If they think can make money on your car, even if it is as a trade-in that puts you in a new car of theirs, it’s a good bet they will buy your car. Luckily there are so many options now for selling your car, you should not have a problem finding a buyer quickly, just with a little research.
How to pick the right size bicycle
To pick the right size bicycle, you want to measure your height, and specifically your inseam (inside leg), in proportion to the size of the bike frame. The inseam measurement determines the seat height, or the “stack.” Next, you must calculate the “reach,” which is the horizontal distance between the bottom of the frame and the head of the bike -- or, in layman’s terms, the distance between seat and handlebars.
How much does a bicycle cost?
A bicycle costs anywhere from $250-$9,000 depending what type and quality of bike you want. A utility bike from a department store might cost $300-$500, but experts caution that it will be quite a bit heavier and not as well constructed as other bikes. For a durable, lightweight bike with front-suspension and decent parts, it’s reasonable to pay $750-$1,200. You might be able to pay slightly less, but expect to need some repairs after several months of heavy use.
Main types of bicycles are road, mountain, commuter/comfort and fitness bikes. There are more specific types and other names for bike types within that, such as urban bikes (same as commuter bikes), cruiser bikes, dual-sport bikes, hybrid bikes, fixed-gear bikes, cyclo-cross bikes, adventure road bikes (aka all-road bikes, gravel bikes), road bikes, touring bikes and specialty bikes, like BMX.
What is the best type of bike for exercise?
The best type of bike for exercise depends what level of rider you are and whether you would rather ride on trails or on the road. There is a type of road bike that is called a “Fitness Bike,” and features a lightweight frame and narrow tires, but do not have a drop handlebar. This may be the best type of bike for someone who intends to ride regularly and strenuously on the roads. If you plan to do a lot of trail riding, the best bike for exercise would probably be a mountain bike. For a person who uses bikes for transportation and exercise, but doesn’t go off-road, the hybrid bike build is a good type of bike.
Do bicycle shops provide repair services?
Yes, bicycle shops generally provide repair services. A typical list of offered services includes regular service/adjustment (including safety check; and brake, drivetrain, and tire inspection); premium, and annual service, which is a more extensive tune-up. More specific repairs include drivetrain tune-up, brake system tune-up, flat tire fixes, brake repairs, cleaning and touching up the bike frame.