Every year millions of gallons of gas are unnecessarily lost forever. What very few drivers realize is that ‘how’ we drive determines how much gas we waste.
Much of what we are taught about saving gas is actually false knowledge that waste gas, pollutes the atmosphere and creates traffic congestion, which in turn wastes even more gas.
Kit Cars are cars that can be purchased in kit form and assembled at home. It is common for Kit Car enthusiasts to obtain their material from several “donor cars”. There are a lot of Kit Car enthusiasts out there and people enter the Kit Car hobby for different reasons. Working with your hands and assembling something from the beginning can be extremely relaxing and riding in a car that you have built yourself is an indescribable experience. Kit Cars are however not for everyone, and if you know that you become frustrated by having to change your wind shield wipers a Kit Car might not be a wise idea.
Assembling a Kit Car can be a way of getting a cheaper car, but you should keep in mind that you will need a place to work in as well as the necessary tools. A lot of Kit Cars are assembled not primarily because they are cheaper than ordinary cars, but because a Kit Car can be made to suit your own particular needs and fill niches where it is hard to find ordinary cars. One of the most well known Kit Cars is for instance the Dune Buggy. The Dune Buggy is also known as Beach Buggy and Sand Rail. This Kit Car is not intended for high ways; it is a recreational vehicle that can be used on beaches and sand dunes where ordinary cars experience problems. The Dune Buggy is small and low-weight and has much larger wheels and tires than a normal car. The engine is mounted on an open chassis that is perfect for hot summer days at the beach. The Dune Buggy is usually constructed from older Volkswagen Beetles.
So you reached the stage where you’ve decided to change your car. But you never seem to have enough money, so you’ll have to add to your existing debts. You don’t really want to borrow any more because it’s such a struggle to repay, but you really need a car And now for the good news; it’s possible to save money on your next car…provided you know what to do. 1) Using A Loan Most private cars are bought with borrowed money, either in the form of a personal loan or a special car finance scheme offered by a variety of dealers/lenders. Here’s how to get the best finance deal for your new vehicle. a) Shop Around For The Best Interest Rate Lenders are always competing for your business. It’s a buyer’s market, so don’t accept anything more than the going rate for someone of your financial status. Use the internet to search for the lowest rate available. And bear in mind that lenders are constantly trying to attract new customers with special deals. Doing your homework and comparing a range of different deals (always using the APR rate and the overall cost over the life of the loan) will allow you to get the best deal. One advantage of using a personal loan rather than a car finance plan is that your loan and the rate of interest you’ll pay can be pre-approved before you go shopping. This means that you know how much the loan will cost you before you go shopping, and you won’t have to haggle with the car salesperson. The also removes the risk of them being able to confuse you into paying more for your car than you intended. b) Improve Your Credit Rating Having a good credit rating is one of the most important ways to save money on car loans (or any loan for that matter). The better your credit rating, the better deals you’ll be offered on your borrowing. A good credit score = A low interest rate. Again, take a look through the internet. There’s a wide range of information on how to build up your credit score. For now, just remember than it’s important to pay all your loans on time (late payments of defaults will damage your credit score). It’s also important to keep your overall borrowing within reasonable limits. After all, from the lenders point of view, someone with heavy debts represents more of a risk. c) Gather Together As Big A Deposit As Possible The more money you have to put towards your new car the less you’ll have to borrow. So in the months prior to changing your car, save as much money as you can to reduce the amount that you have to borrow. Every extra dollar you can put towards the deal may save you repaying two dollars. It’s also important to take your current car into account. The more you can sell it for (or trade it in for), the less you’ll have to borrow to fund your new car. So with that in mind, here’s how to get the best trade in value. Take care of your car. Drive it carefully, and keep it well maintained and serviced Before you visit the car showroom, do your research. Find out how much your car is worth. Find out it’s trade value and the amount that a garage could sell it for. There figures will give you a rough idea how much the dealer should offer you for your old car Find out how much the dealer is willing to give you for it’s trade in value. And if a car dealer offers you a laughable sum for your old car just move on to the next dealership Whatever happens, don’t haggle hard to get the best deal on your finance and then hand it back to the dealer by accepting a poor trade in value. It’s an unwritten rule of the car trade; the less the dealer makes on the sale of a car/the finance agreement, the less trade in value they’ll offer. 2) The Fund The Depreciation Trick I must warn you that this technique is only for people who have an advanced understanding of money and finance. If you can’t afford to buy your next car, and don’t want to pay the high rate of interest on most personal loans or car finance agreements, here’s what to do; a) Choose a car that depreciates as slowly as possible. You can find this information in many car magazines or on the internet. Alternatively, you can work out your own figures using the prices charged for second hand models in your area. So let’s say you decide to buy a new car that will be worth 66% of its value after three years (assuming it stays in good condition and covers an average amount of miles). That’s great. It costs $30000. So you could get a personal loan at perhaps 8%, which might cost you $1100 per month over three years. But that seems rather steep, so you move on to the next stage of this idea. b) Take a personal loan to cover the cost of the depreciation over the period you plan to keep the car. The car costs $30000 and will be worth $20000 when you sell it three years later. The depreciation will cost you $10000 over three years. So you take a personal loan for $10000 over three years at a cost of $367 per month and move on to stage three. c) Fund the rest of the cost by extending your mortgage on an interest only basis. The car costs $30000, you have $10000 from your personal loan, which leaves $20000 to find. As a mortgage is secured borrowing (less risk for the lender) the interest rate is much lower. Assuming a low mortgage rate, another $20000 might cost $130 in interest per month. Overall, it will cost you $497 per month to fund your car using this method. Now you’ll notice that mentioned an interest only mortgage. This was to keep the cost of the loan down. All you need to do is to keep the debt from getting any bigger until you sell the car. Three years later when you sell the car for $20000, you can use that to reduce your mortgage and get back to the position you were before you got the car. So instead of it costing you $1100 a month (or an average of $544 a month when the sale price of the car is taken into account $1100 x 36 = $39600 - $20000 = $19600/36 = $544) throught the personal loan route, it will only have cost $497 each month. Saving an average of $47 per month (or $1692 over the three year period), and making it much easier to meet your monthly repayments. In effect, what it does, is to save money by temporarily shifting the bulk of the price (the retained value) over to a long term loan (your mortgage) at a lower rate of interest, until you can repay it by freeing up the value of the asset (selling the car). At the same time, the short term loss (the depreciation over 3 years) is repaid over the short term (three years) using the personal loan. As I said, this is an advanced technique, but it will save you money on your next car. But let me say four things; One: Only use it if you don’t have the money to buy your next car and don’t want to pay the high interest rates of a personal loan/car finance agreement. Two: It will only work if the value of your property is enough to allow you to increase your mortgage. Three: It also increases the risk that you won’t be able to pay your mortgage and your home will be repossessed. Four: And there’s the risk that your could lose money if your car is written off and you don’t receive adequate compensation (but the same could happen if you borrow money to buy a car, regardless of how you borrow it). 3) Stay Ahead Of The Game The ultimate way to save money on your next car is to be in a position to buy it without a loan. And that’s not as far fatched an idea as it might sound. The idea is to gradually save money over the years that you keep the car, so that by the time you come to sell it, you’ll have enough money (along with the trade in value of your old car) to purchase your next car outright. You then repeat the process with the next car. Let’s say you have a car worth $20000. You plan to keep it three years, by which time it will be worth $12000. Now allowing for inflation, your next car might cost perhaps $22000. That means you have to build up $22000 - $12000 = $10000 over the next three years. You will then be in a position to buy your next car without having to borrow any money. This means you’ll have to save $270 a month ($10000/36 = $278) over the next three years. Open a special bank account and keep it specially for the purpose of renewing your car. Add a certain amount to it every month and you’ll never have to waste money on a car loan again. It’s also a good idea to choose a car that will hold as much of its value as possible during the time that you keep it. But you may have noticed a slight problem with this idea. After all, if you have to repay a car loan every month, it’s going to be difficult if not impossible to save another $270 a month. But there are two ways to get ahead of the game. a) Save as much as you can each month, so that each time you change your car, you have to borrow less. Over time you’ll reach the position where you don’t have to borrow to buy a car. b) Once you finish repaying a loan that you used to buy your car, keep it for as many years as possible. During that time, keep saving the money that you were using to repay the loan each month. A example should help. You buy a car for $10000 using a three year personal loan for $367 per month. So after three years you own the car and have repaid the loan. So instead of changing the car or using the freed up income for other purposes, keep paying it into a different account for your next car. After three more years you should have nearly $14000. That should be enough to replace your car with a similar size and model without using a loan. You are then ahead of the game. All that’s left is to work out how much to save each month for your next car. Just use the following figures; Decide how long you want to keep your new car - 36 months How much it will be worth then - $8000 The cost of your next car - $17000 In other words, you need to save 17000 - 8000 = 11000/36 = 305. So allowing for interest on your savings, you should aim to save $300 per month. And I can guarantee that you won’t resent the cost each month, especially when you know it’s going to benefit you and not swell some lender’s profits.
by Stuart Laing Copyright (c) Get Out Of Debt. Have you been struggling with debt for as long as you can remember? Are you ready to do something about it? Visit http://www.icanhelpyougetoutofdebt.com for free, impartial debt help information This article may be freely distributed as long as the copyright, author’s information and active links are included.
There are five primary factors that effect the price you pay for gas at the pump. Prices generally increase when the world crude oil market lowers their inventories. Also, when demand exceeds refinery capacity gas prices increase.
The first factor that makes up the price of gas at your local station is crude oil suppliers. This makes up about 59% of the price you pay for gas and it is determined by the world’s oil-exporting countries, particularly OPEC, the Organization of the Petroleum Exporting Countries. The amount of crude oil that these countries produce determines the price per barrel of oil.
With the current price of gas at over $3 a gallon, the economy in a downturn, and no relief in site, we need to start conserving and saving everywhere we can. The car is a great place to start. Here are some tips from the National Institute on Highway Safety:
Don’t take unnecessary risks. You can get in an accident and get hurt and you can also get a ticket, fine or worse. Speeding greatly increases the odds of an accident. It also increases fuel consumption and can result in a ticket. A speeding ticket alone can cost over $200 in fines and court costs easily plus there is added insurance points and costs which can easily cost hundreds or thousands of dollars. Basically, do not speed as it will cost more than you realize.
The prices of gasoline or petrol increase daily, wherever you live in the world. The price of a barrel of oil has quadrupled since the beginning of the millennium. It went from about $20 a barrel to almost $80 in these days. The Reason to Save Fuel The resources of fossil energy deplete. Oil has served as the backbone of the modern society. Gas and coal also have plaid an important role, but oil has prevailed. The book “The Final Energy Crisis” forecasts a dramatic development during the next years. They expect that the peak of the oil production will be achieved around the end of this decade and that the production will fall, although the demand will increase further. This means higher energy prices. Another source says that the oil reserves will be exhausted in about 43 years and the reserves of natural gas in about 64 years. No Easy Going Alternatives at Hand There is a lot of research going on worldwide in the field of solar power and hydrogen power. They will have to substitute oil, gas, coal and uranium in an intermediate term. Photovoltaic, wind power and power from biomass progress quickly. The process of transformation lasts decades. New solutions need time to step fully into the foot prints of oil. The Urgent Task to Save Fuel There is an urgent task to save fuel in order to prolong the use of the remaining fossil energies. Saving fuel is inevitable because the cost for fuel will increase further. There might be days of lower prices, but the general tendency is clear: up, up and up again. Solutions are demanded in order to make the consumption of fuel affordable. Modern and already proven standards of housing construction show that 60% to 80% of the fuel can be saved. Solutions for Money Saving Consumption Needed Saving fuel in the field of traffic and transportation still sticks in the beginning. If the wheels have to turn further, fuel saving becomes highest priority. There are cars coming up with low fuel consumption or even bio-ethanol. Millions of used vehicles still are useful and they are driven for many more years. It makes sense, if there is a solution for used and new cars, trucks, motor-bikes etc. To save fuel also means to save money. Fuel Freedom International propagates such a convenient looking solution. This could be one solution among others, e.g. eco-efficient driving. Everything that helps save fuel should be tested.
Lil Waldner is a business economist. She is experienced in project management and marketing. She has worked as an editor for several newspapers and she has written booklets and essays on economic and public issues. Recommended link: Save Fuel Success Stories or Fuel Freedom International
With the escalating price of gas, buying a fuel-efficient car makes a lot of sense. Approximately 15% of new car buyers reject a model due to poor gas mileage. Nearly 40% of those consumers who eliminate a full-size SUV due to gas mileage ultimately purchase a midsize SUV instead, while nearly 20% purchase another model altogether. (J.D. Power and Associates, Sept. 2004.)
But even if you don’t currently own a fuel-efficient car, there are lots of ways you can improve the fuel efficiency of your present vehicle until you’re ready to purchase one of the best gas mileage cars. Your personal driving habits have a big effect on your fuel use and costs. You can better manage your vehicle operating costs as well as minimize the emissions it produces by driving less and more efficiently. Here are some tips to help. First, you need to know what kind of mileage you are getting. Calculate this by filling up your tank and recording the odometer reading-or you can reset your trip gauge to zero. Next time you get gas, fill the tank again and divide the miles you traveled between fill ups by the quantity of gas you bought on this fill-up. This is your car’s miles per gallon or mpg. If it’s pretty dismal, here’s how to turn your fuel guzzler into a fuel saver: Drive slower: The aerodynamic drag on your car increases noticeably the faster you drive. The drag force at 70 mph is about double that at 50 mph, so keeping speed down can increase your mileage considerably. Gas mileage decreases rapidly at speeds over 60 mph. Each 5 mph above 60 mph is like paying an additional $.10/gallon for gas. Observing the speed limit is also safer for everyone.
When you need to buy your next automobile make sure that fuel economy doesn’t get lost in the shuffle. Buying a compact car with good gas mileage is both friendly to the environment and your pocket book. You will enjoy the savings throughout the life of the vehicle.
There is a lot to consider when buying a car. If you are buying a used car the condition of the clutch, brakes, engine and transmission will play a huge role in how much that car will cost to operate. Even minor problems can result in $300 repairs.
Unless you have been living under a rock and don’t own a car, you have definitely noticed the rising cost of gasoline. Wild price fluctuations are a daily occurrence at the gas pumps.
We could debate the causes, or lack thereof, for an eternity. I have just as many opinions about the situation as the next person. But, unfortunately all the arguing over this topic won’t change a thing.
Gas prices are on the rise again! Here are some tips to help you conserve gas and save money as we approach summer gas prices.
1. Keep your car tuned up. Cars in poor running condition use more gasoline.
With a stagnant economy, prices on everything rising, the constant threat of high gas prices, and recent sales and state tax hikes on our automobiles has made it important to find ways to save anywhere we can. A big and easy area to save lots of money is auto insurance. It is amazing that regardless of the commercials like Geico and Progressive telling people to shop for the best rate that 90 percent or more never do. You need to make sure you are getting the best deal possible. You work too hard to through easy money away and make insurance representatives and executives rich. Recent research shows that you can save hundreds or even thousands of dollars just by making a few phone calls and shopping around a little bit.
According to the Insurance Research Council the average savings by shopping around auto insurance carriers is $847. That’s $847 per year and that is a lot of money to throw away. To start saving first call your auto insurance company and ask if you are getting all the discounts you qualify for. Most will happily oblige you on this as they want to keep their customers happy. Discounts could be for things like no accidents, age, sex, driving history, college student, even good grades (I believe just Allstate has this one right now). Discounts of 2 percent to 5 percent may not seem like much but could easily become several hundred dollars or more per year really fast. The biggest deduction is usually a clean, accident free driving record and that can be from 4 to 20 percent or more per year in savings. Just be careful as it only takes 1 infraction to nullify most or all of these discounts.
Are you getting ready to sell your car, truck or van? Use these tips to help you get the most for your automobile before you place an ad in the newspaper.
Where To Start ~~~~~~~~~~~
Buying a car is usually one of the biggest purchases a person will make in his or her life. This is especially true if it is a new car and/or a luxury car. There are ways to knock a few bucks off of this expensive purchase and you can discover just how much you can save by doing a quick online check of the vehicle you want before you go see your dealer. After all, when you are talking about spending thousands of dollars, every little bit helps.
The best way to find out what kind of vehicle discounts you can find online is by utilizing a site such as www.vehiclesonline.com to determine what kind of factory discounts are currently being offered by each vehicle manufacturer on their newer models. This can often save you a exacted stated cash amount of $1,000 to $5,000 or save you a certain percentage rate on your financing. They may also be available on vehicles that are up to two years old. For example, if you are searching for a vehicle in 2006, you will likely find these rebates on 2006 and 2005 models that the company is still trying to get rid of to make room for even newer vehicles.
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