What to Watch Out For If You Decide to Finance at a Dealership

I am going to make this a simple article to read. I want you to be able to read this whole article and understand it before you make your next vehicle purchase.

Yeah, the economy isn’t the greatest right now. Yeah, nearly all industries are down on sales.

You see commercials on TV all the time talking about how now is the best time to buy a car. It is, BUT…..

You see, the auto industry is struggling. So of course, to get people to come in and purchase a car they need to advertise these “great” deals and show you how you can get their employee pricing! Sounds exciting, eh? Well if you walk in there with cash, maybe you are going to get a great deal. Actually, you probably are assuming you can negotiate a good deal.

But what if you are going in there without cash? Or without your own financing? Are you really going to get such a great deal? Well you may receive your dream car at employee pricing and they may promise you that its the best they can do on price.

Lets take a close look at their financing techniques.

Did you know that dealers really do shop for the best rate for you? Yeah, they do! However, they won’t give you that best rate! They shop for the best rate then give you a higher one. How? They are allowed to mark up your interest rate up to 2% higher than what they were quoted. That means that they are making profit off of the financing too. That can lead to you paying hundred to thousands more for your new car.

So think about this:

The car you are looking at costs $20,000.00 after manufacturer’s rebates. The dealership said they would take off an additional $1000.00 to get you to employee pricing. Sounds good, right? It is good. Now, you go to the financing office, they finance you at an 8% rate when you could have actually had a 6% rate. That will end up making you pay more, a lot more. They could have you paying a couple thousand dollars more in just interest! It makes that $1,000.00 discount look weak, doesn’t it?

The whole point here is to tell you that you need to be cautious when using dealer financing as if you know they aren’t making much from the car due to the incredible deal they gave you, they are going to make it up on the financing end of it.

Always negotiate interest rates. You wouldn’t ever take them up on their first offer on the price of the car would you? Nope. So treat the first offer on the interest rates the same too. A lot of dealers won’t even tell you what the rate is. Be sure to ask.

They have their own special programs through the car manufacturers to make up for lost profit. Don’t let them fool you. It is called dealer hold back. It is tough to negotiate into that.

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Fitness Tips For Bodybuilding and Weight Training

Increasing muscle strength and size are synonymous with weightlifting and bodybuilding. However, weightlifting and bodybuilding offer other fitness benefits as well. Aside from developing strength, you can also improve your stamina and endurance and decrease body fat. If you would want to start or just starting out with weight training, make sure to follow these essential tips to maximize your results.

1. Set reasonable goals. You’ll only be disappointed if you think you can achieve your desired results in a short time. Weight lifting takes time and effort. Devise a program that you can commit to for several weeks, based on how much time you can invest in training

2. Balance your program with cardio routines. Doing cardiovascular workouts will supplement your strength training as you develop stamina, endurance and even flexibility. Try to do 3 to 4 cardio exercise sessions per week, each lasting 30 minutes long.

3. Diversify your training. Author Bill Pearl of “Getting Stronger”, a bodybuilding and weight lifting book, underscores the importance of altering or changing routines regularly. Change your training every four to six weeks to work out different muscle groups and keep your training sessions fresh and enjoyable.

4. Wear the right attire. Injuries can be avoided by wearing proper gym attire. Just make sure you are comfortable with your clothes and shoes. Consider buying quality training apparel and gear.

5. Measure your results. Measuring your results helps in increasing your motivation and long-term commitment because the practice allows you to see your progress concretely. Consider keeping a workout log, measuring your body before and after a workout, and taking photos of yourself to keep track of your progress.

6. Mental Training. You might think that weight training and bodybuilding is purely physical, but your training would also involve a great deal of your mind as well. You would need self-discipline to stick with your program. You would also need determination and concentration to go through pain and difficulties. You would inevitably develop mental toughness as you push yourself to your physical limits.

You would need to invest effort and time to get your desired results out of bodybuilding and weight training. You can achieve your results faster by creating a solid training program, follow your training schedule and by applying fundamental fitness principles.