European Stars and Stripes (Newspaper) - July 13, 2007, Darmstadt, Hesse July 2007 stars and stripes Mideast edition Page id your Money car buying dangers special to stars and stripes nearly 17 million americans will Purchase a new vehicle this savvy car buyers should take the proper Steps to finance and insure their new car and protect their financial Well being before making such a major choose carefully dont let that new car smell Cloud your Analyse your financial situation to determine what monthly payments you can really afford while still devoting some disposable income to paying off saving and compare competing models in the same class and dont forget to account for insurance a vehicle that is less More expensive to or has High records of theft May Cost More to once you decide on a make and enlist a ser vice that can quickly scan dealer inventories nation wide to locate a car with the features you it might save you Money and the trouble of driving All Over most dealerships will negotiate on the manufacturers suggested retail Price researching what the dealer paid for the and what incentives they receive for Selling can work in your favor As you approach the bargaining in most theres room to lower the Price and still allow the dealer to earn a reasonable buying blunders As the summer car buying season heats you May be tempted to snatch up what sounds like a Good before you Rush make sure you dont let emotions Rule your decision that red sports car might make your heart go pit but if you need room for car keep your dream car can become a Nightmare if it Doest fit your lifestyle or the monthly payments and insurance Bills stack up to More than you can neglect research car salespeople Are masters at negotiating the Best Deal possible for themselves or the dealer that dont go shopping use the Auto or consumer reports to read car compare vehicles and options and print out detailed pricing save your i person Homework for test ignore pricing cycles it May be fun to buy a new car As soon As it hits the but you could pay a Premium for that that because when next years cars first reach dealers in August and september they tend to sell for closer full prices drop As each month forget to shop for car Loans waiting until youre at the Dealership to think about financing limits your Many dealer ships count on you being unprepared so they can finance your car and too often its not at the most competitive Check your credit report shop for and get getting pre approved Means youve set a limit on what to spend so no one can talk you into you also can shop like a Cash but to get the lowest Price keep that information to yourself until youre ready to you can always accept a dealers financing if the rates offer your Trade in right away a Trade in should never be part of the initial negotiations save this discussion until after youve agreed on a Price for the new dealers May offer a below Market Price for your Trade in and use the difference of what you Shoul Dve received As a Dis count on the new cars dont go for if they give you for a Trade in value and then take off the new car youre simply at breakeven and Haven gained a insist they keep the Trade in amount and any discounts pay the sticker Price except on the hottest and rarest you have Power to negotiate if you know the going Price for cars in your car buying web such As Kelley Blue Book and also can provide these the United services automobile association is a diversified financial services company and a provider of investments and banking products to members of the military and their wednesdays Market summary indexes 52 High Low net chg Ltd chg chg 52wk chg name last Dow Jones industrials Dow Jones transportation Dow Jones utilities nose composite amex Index Nash a composite Russell 2000 do Wilshire 5000 nose amex most Active or More name vol 00 last chg forum Micron Pfizer Motorola so map Geneles pm cup pm Orch i Tigre and 609767 416995 405371 375797 334780 319205 275994 271778 245897 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Fidelity advisor Putnam funds a Globe qty Fidelity advisor Putnam funds a go Flap Exchange rates military rates euro costs july Dollar buys july British Pound july japanese yen july South korean won july commercial rates Bahrain British Canada China Denmark Egypt Hong Kong Hungary Israel Japan Kuwait Norway Philippines Poland saudi Arabia Singapore South Korea Switzerland Thailand Turkey new military Exchange rates Are those available to customers at military Bank ing facilities in the country of issuance for South the Netherlands and the United for no local currency Exchange rates purchasing British pounds in Germa Check with your local military Bank ing commercial rates Are inter Bank rates provided for reference when buying All figures Are foreign currencies to one except for the British which is represented in and the which is precious metals new York merc close Gold Silver interest rates prime discount Federal funds Market 3month 30year Bond sources the associated Bank of America time throws a wrench in toilet paper filter theory dear Tom and Ray called a Frantz and it has while i was attending the uni had a Small cult following through varsity of Oklahoma in a out the As you might study was done by the Petroleum you install the and then engineering the you simply stick a Roll of question was is draining Oil from 100grit toilet a vehicle necessary they worked paper in the and that does with White trucking and test the when its you Reed their theory on Long haul move it and insert another using Only a toilet paper Ray its not a Surprise to us filter and Only adding they ran one set of trucks against ones that received Oil and filter changes for the results showed no significant Wear differences Between the they also concluded that the Oil in the no change vehicle Click and Clack Tom and Ray Magliozzi that it never caught on in big because it re quires men to change a Roll of toilet Tom aside from that fatal weve had Good reports about it from our customers during the but keep in mind that any molecules in the Oil broke Down and evaporated what is your take on the Oil change Theo Tom i remember that it was funded by Ray while we dont was because the weak one who would go through the Trou ble of installing and using one of these things obviously is very inter ested in car care and that kind of person probably tends to take particularly Good care of his car in All kinds of other which could skew the Ray in any our per Sonal experience at the garage Sug know anything about that partic guests mat changing the Oil and Fil Lar id take it with a Grain of Ter regularly is and not changing the Oil and filter regular Tom first of motor Oil has by can be very bad even Cata improved dramatically in the past strophic Over the Long 50 so whatever was done Tom and its relatively cheap then probably Doest apply its or a few Ray diesel times a for most so trucking engines Are built to last we still strongly believe in Chang much longer than automobile ening the Oil in your and Chang so Miles might not ing the Toile paper Roll in the Bath have been enough to show the dam age of forgoing Oil Tom we have heard about the Toile paper its and not vice got a question about cars write to Click and Clack in care of this new spa or email them by visiting the car talk web site at ends and sensibility Money tip of the Day Selling your Home online by Marshall Loeb Market watch new the re cent slump in the housing mar Many americans Are still paying a walloping 6 percent commission to real estate Bro at first 6 percent May not sound like but consider according to the census the average Price of a Home is which Means the average seller has to Pony up nearly in broker Many homeowners Are now opting to Market their property directly to the consumer using online services such As Yahoo real estate and theres Good reason for going to the web one recent con ducted by the National association of found that 80 percent used the internet when searching for a new Selling your Home online is simpler than you might says Colby chief operating officer of forsake blown a leading online Home Here Are the three key Steps you need to take find out what your Home is if youre working without an the first and most important step is to get an accurate Home says to find a licensed Home appraiser in your visit appraisal Len an association of professional there is also a group of free services on the such As Market your make sure you choose a site with a lot of and augment your listing with High Quality color photos and a compelling you might even try a virtual Transfer the once your Home is you need to Call in the you pay More than about says How much do you stand to gain by leaving out the realty broker according to Selling your Home online is Likely to net you Between and
