“Easy to say but how do I do it?”   Well, there are several things to consider

a)  Know your budget and what you can afford.  Sit down by yourself or partner and write everything down on a piece of paper.  Everything like money coming in and money going out each month needs to be considered.

b)  Keep copies of your pay stubs & tax documents in a safe, secure place.  These documents are nearly always required by lenders to prove to them how much money you are making.

c)  Your initial bankruptcy papers showing what was included in your filing and your discharge papers are the most commonly request documents.

d)  Review your credit report for accuracy.  You can obtain a copy of your credit file through the two main reporting agencies in Canada:  Equifax Canada (Equifax.ca) and Trans Union (transunion.ca).  You should do this periodically to assure that the information on your credit file is complete and accurate. 

e)  Purchase from the right dealership and lender program!  There are two types of non-prime lenders in the Canadian automotive market:  1) Standard financial institutions and 2)  In-House leasing companies.  The standard finance companies place a secured lien on your credit file and show each payment you make.  Showing each payment you make is very important as it improves your credit rating and other lenders can see it.  The In-House or ‘Buy-Here-Pay-Here’ dealerships place a secured lien on your credit file however rarely show each payment you make often due to a lack of resources.

Don’t be swayed by interest rates.  Understandably, rates will be higher following a bankruptcy filing however there are programs available to break you out of existing loans after a year or so.  These initial higher interest loans serve as a credit re-building tool and once you’ve established a positive payment history you can qualify for lower rate loans.  There is no magic pill, it’s just time, following the proper advice and hard work!

At NewRoads Credit we have talented people with industry-specific experience working on your bad credit auto loan.  We have 6 dealerships in our NewRoads Group serving all of Ontario.  That gives us 800+ new and used vehicles for you to choose from.  You may have had or are just entering a bankruptcy… take advantage of this opportunity to get your financial future set up properly.  Good luck!

The first consideration for anyone who wants to buy his or her first car is usually whether to buy new or used. Many first car buyers are young people who are just starting out, so the necessity of buying used is often present. Advice on buying your first car new from a showroom is fairly straightforward: buy from a reputable dealer, research the best type of vehicle for you, and seek out the best deals including free extras, low interest and rebates. However, if you plan to buy a used vehicle, where should you look to avoid getting taken advantage of? Most car dealerships also sell “gently used” cars, usually those that have been previously leased. When these are out of your price range, there are also many used car lots with lower-priced second-hand vehicles. Look for a car dealer who is willing to do all the necessary repair work to get your first car in top running condition, and who also has all the necessary certifications to be in business. Ask whether you can talk to other people who have bought cars from the dealer and find out if they have had major problems with the vehicle. Always test-drive a car before you buy!

When it comes to the car itself, there are a number of things you should check out on your first car. You can examine the tires, the body and the interior on sight and look for possible problems. When considering the tires, be alert for rips and gouges and demand replacements for poor tires or ask for a lower purchase price. Also, uneven wear on tires indicates an alignment or suspension problem, in which case you should tell the dealer to perform the repairs before you will consider buying. On the body of the car, a few dents and scratches won’t affect the performance – but several of them could indicate the car has been in an accident. Also, rust along the bottom of doors or on the frame can attack the structure of the vehicle. Excessive rust is a bad sign. Check the interior of the car thoroughly for missing mirrors, frayed seatbelts, loose knobs and switches that don’t work. Test the audio system as well. Any of these points can be used as a bargaining tool to lower the asking price!

With any used vehicle, you should always obtain a used car report such as those from CARFAX. This information will tell you whether there are any outstanding liens, holds, or fines associated with the vehicle, and whether it’s been involved in an accident.

What is the best advice on buying your first car? Take your time, and have fun. With some careful research and a bit of the right knowledge, you can soon say, “This is my car!”

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Many people work their whole lives to fulfill the American dream of owning their own home. It is important to be sure you know everything you need to in order to get through the process without having any legal issues arise.

The process begins with deciding where to purchase your new home and ends with the final financial details (the closing). Often finding a suitable attorney to help you with all of the details in between can save you a lot of frustration and heartache during the process.

Where to Buy

The first major decision you have after choosing to buy a home is where you want to look for one. There are several factors you should consider before making any decisions. Whatever your reasons to relocate are, here are some things to consider:

· Are you moving for a job transfer?

· Are you retiring?

· Are you making a lifestyle change?

· What public transportation is available and how long will your commute be?

· What reputation do the schools have?

· Are there recreational facilities?

· What is the cost of living in the area?

These are just some of the questions you want answered before considering any new location.

Financing

When opting to finance a new home, there are different types of mortgages to consider. Fixed and adjustable rate mortgages, 15 and 30 year mortgages, conventional, FHA, VA and no document mortgages are the more common types available. It is important to talk to different mortgage companies and find out what they offer. Each type of mortgage has its own advantages and disadvantages.

If you opt to work with a mortgage broker, be sure you have the following questions answered to your satisfaction before signing anything.

· What is their experience and are they licensed (if necessary in your state)?

· How much will they cost you?

· How will they be paid for their services?

· What are the details of your agreement with the broker and is it all in writing?

· What is the interest rate in the final contract?

· What are the payment terms?

Using an Attorney

If you choose to hire an attorney, be sure they are experienced in real estate law. You are not required in any state to use a real estate attorney, but in some cases it is customary to use one in real property transactions. However, should any problems arise during your buying process, it is recommended that you consult with a qualified attorney before moving forward or signing anything.

Some situations in which you may be wise to contact an attorney are:

· The house has an illegal addition or unit attached to it

· There are tenants living there

· There are problems with the title to the property

Avoid any conflict of interest by refusing to rely on the seller’s or seller’s agent’s legal advice.

Where to buy and how to finance are only two of the decisions you will be required to make when purchasing a new home. There are down payment and insurance issues, inspections, repairs and closing details involved as well.

Whether this is your first or fourth purchase, you would be wise to contact a real estate attorney to help you with making decisions that will affect your future.

If you buy for the first time a used car, you need some tips. You may buy it from a dealer or from a private seller. Dealerships are usually a safer choice because they offer you a guarantee on what they sell. The disadvantage is that a dealer may offer a higher price than a private seller.

A dealer should provide to the seller a buyer’s guide, which must contain the following information:- The car has a warranty or not- How much of the repair costs the warranty covers- The major systems on the car to look out for- Reminders to have the car inspected by an independent mechanic

It is recommended not to buy a used car as it is, if you don’t trust the seller and you don’t a CARFAX Report.

Irrespective of the way of purchasing the car, you have to know who the owner was or who the owners were, why the previous owner wants to sell it. Besides, you have to know what was it being used for and if it has been in any accidents. In addition, you have to know what problems it has had in the past and when it got a tune-up for the last time.

You should read a car history report, but most of the times this report is not reliable. You should ask a good mechanic if there is a proof of an accident.

Obviously, you should know the particular model you are interested in. You may give the car an overall inspection yourself, or a person who is familiarized with cars. Check the doors first as they mustn’t be flush with the body, and check as well curious patches of paint. If you smell mildew, somewhere inside there is a sign of water damage.

When you close the deal, make sure to get all the promises in writing. Warranty information shouldn’t be omitted. If you buy the car from a dealer, don’t lose your buyer’s guide, for future reference.

Remember, your used car won’t have the shiny appearance of a brand new one. This can be fixed with paint and restoration, if it is in good running condition. Even a good wax job can return the shine. Don’t forget the headlights when you are restoring the exterior finish.

There is a great product called New Lite Headlight Cleaner and Restorer that returns headlights to their original condition. Cloudy headlights are a safety concern, as they won’t work as well.

Take the automobile on the roads you typically travel to get a feel for how it will handle under your normal driving conditions.

My last bit of advice is to go to Kelly Blue Book’s website, www.kbb.com to estimate the used car’s value. Happy Car Hunting!

Do Step into Paradise

For non-citizens of Antigua, the purchase of land in Antigua is one of the easiest and wisest moves you can take in diversifying your investment portfolio, capturing the magic of holidays and becoming part of island life. There are steps to take into paradise, expectedly.

Do secure an Alien Landholding License, which costs 5 percent of the total value of the land considered under purchase. Since each license is specific to the property, be sure that the contract is ironclad. You don’t want to be evicted even before the ink has dried, right?

Do peruse and understand the fine print of the contract. You will be setting yourself up for investment heartbreak if you don’t. Besides, this is standard procedure in any real estate transaction so it’s just common sense, too. Or better yet, do the next step.

Do hire a local lawyer and/or a property management services company to handle the documents and details of the transaction. You don’t want to deal with the bureaucracy when you can be on your holiday! Besides, it will take a load off your shoulders although you do have to take off a load off your pockets in the process. But, hey, it’s worth it!

Do inspect the property being considered for purchase. You don’t want to end up with a shack teetering on the edge of a cliff and paying hundreds of thousands of good American dollars for it, do you? Pray that it’s not somewhere near Devil’s Bridge either.

What all these advice is saying is that buying land in Antigua is easy, excellent and expensive. Seriously, we kid you on the last one.

Do Enjoy the Benefits

Antigua is a tax and investment haven in the Caribbean, which is one of the benefits of buying land in the island paradise. Although you may pay up to 25 percent of the total land value for government fees, agent commissions and other roundtrip transaction costs, the benefits far outweigh these expenses.

For one thing, you are allowed full ownership of the land. You don’t have to marry an Antiguan citizen to do so, which is not a bad idea in itself since Antiguan women are one of the most beautiful on Earth. And we’re not talking bodies only either!

For another thing, the medical and educational facilities, finance and business support services, and the transportation and communication logistics available in Antigua cannot be beat. If you do decide to make your Antiguan home your second base, you definitely will still stay in touch with the world while being removed from its cares.

So, the next time you are thinking of getting a piece of God’s Earth for your vacations, think no further than Antigua. It is God’s paradise on Earth!

Whether you purchase your cars new or used, use an independent car service repair or a franchised dealer or get your petrol and fuel from a supermarket or a local service station, the one common thing these type of businesses share is their need for protection and peace of mind in the form of motor trade insurance.

Combined Motor Trade Insurance is actually a type of insurance policy that can provide cover for many types of business in the auto industry including those who specialise in service and repair, sales, petrol sales or bodywork. And as the name suggests, a combined policy is designed for motor traders with premises who want a variety of risks covering under one simple to manage insurance policy.

So once a motor trader has established they need a combined policy they really a have options available to them in respect of how and where they buy it. A still relatively new way in which they can look to purchase motor trade insurance is by dealing direct with an insurance company. The benefit of dealing direct is that the trader can sort everything on their own so in the event of a loss and needing to make a claim, they can ring the insurer directly and deal with them until the claim is settled. This control of the policy is favoured by many motor traders who are happy that they understand exactly what they want and are happy to negotiate with insurance companies on premiums and claims settlements.

The second option available when buying motor trade insurance is still the one favoured by the majority of companies and that is to use an insurance broker. The benefits of using an insurance broker are numerous and range from their ability to approach several different insurance companies to in some cases being able to offer you expert advice and guidance which could help reduce your exposure to risk and your insurance premiums. When you combine this with the service that some insurance brokers provide when you suffer a loss in that they will negotiate with your insurance company to make sure your claim is settled quickly and favourably you can see why using an insurance broker is still the desired choice for most motor traders.

There really is no wrong or right decision and whether you deal direct with an insurance company or via an insurance broker who specialises in motor trade insurance is really down to personal opinion. As motor traders you should however be aware of the options available and make the choice on what is best for you and your business. Make the right decision and there is every chance in the current financial climate that your combined motor trade insurance premium could reduce in the coming year.

If your finances will not allow you to purchase an entirely new, larger vehicle or a brand new cargo trailer, there is always the option to purchase used cargo trailers. Used cargo trailers may be previously owned, but as long as you find one of good quality, much like a used car, you will save a significant amount of time and money. Remember, just like a vehicle, the moment the cargo trailer rolls off the dealership’s property, it depreciates in value. Purchasing a used cargo trailer allows you to save a little bit on this inevitable loss.

The first step in purchasing a used cargo trailer is to take a look at your current vehicle’s size and towing capacity. If you drive a truck or a van, it should be equipped to handle most cargo trailers. A full-size car may only be able to pull a smaller cargo trailer. Almost no compact cars are able to pull any size cargo trailer. If a compact car is the only vehicle available, a small cargo trailer intended for use with a motorcycle may work quite well, which is often overlooked. Used motorcycle cargo trailers are an excellent deal, both financially and practically.

After considering the size of your car or truck and its capacity for towing a trailer, think about the type of cargo you will be storing. If you plan to store or transport large items for your delivery business, you may likely need a larger trailer. If you wish to transport equipment for a family vacation, you might do well with a smaller cargo trailer.

Before buying a used cargo trailer, it is important to consult a professional. Expert advice is essential in making sure that you have decided on the proper size and style cargo trailer. Another smart step to take before making the final purchase is to do a little research. If you plan to obtain a used cargo trailer from a dealership, research that dealership to ensure that it is reputable. If you are considering making a purchase from a private seller, be sure to inspect the cargo trailer thoroughly.

Purchasing a used cargo trailer can end up saving you or your business a significant amount of money. Used cargo trailers often cost 25-50% (or more) less than what the same make and model would cost brand new. Cargo trailers are an ideal solution for individuals that do not have the funds to purchase a new, larger car or truck, but still need to transport equipment or shipments.

So, if you are buying a Saab then you will have a few steps in front of you. First and probably most important is to work out your budget, so you know if you want or need a brand new Saab model, or a used Saab instead. Personally I would always advice to opt for the used models, even if you only buy one a couple of years old (or even younger!), because you will make such significant savings on the automatic cost price! Even if you are good at bartering down the new car dealers prices, it is very unlikely that you will be able to get a better price than you would on a used one!

Once you know your budget (and of course what car model best suits your needs), then you are probably at the point where you have explored your local Saab dealers and found a few possible purchases. Each will no doubt have their own set of advantages and disadvantages, but there will be a few that have caught you attention and which are already standing out from the crowd. Before you part with you hard earned cash, however, you will need to organise taking each and every potential car out for a thorough test drive.

Test drives are all too often under-emphasised in terms of importance, but I consider them to be one of the most important tools at a car buyers disposal. They allow you to not only experience the general way the car drives (performance, acceleration, comfort and so on), but to identify any potential problems and troublesome areas before you put your hand in your pocket and hand over the cash.

I advise that you take the car on a comprehensive test drive about twice before you buy it. Ensure that you try out fast roads, slow roads, and also different road surfaces, so that you have the full picture about how it performs. In a similar vein, it is vital to see how it corners, and check out the breaking and steering fully you dont want to buy it and find out its wheel alignment is severely out. If you know cars, a test drive like this can show you areas that will need fixing, and these may even be worth using as bargaining chips to use in battling down the price.

All in all a test drive can tell you a whole lot of things that you wouldnt have known about your Saab otherwise and that is why they are so vital!