Shopping around for a car is easy, but you need to also consider the car finance loan. Many people think they must take the car financing options that the dealership has to offer. Before you go shopping for a car to start with, people should always make a habit of shopping around their local car financing or car loan companies and check out what options they can get to help the consumer to save as much money as they possibly can. However, do not just stop with your local finance companies; go on the internet, to find some great deals that will save you money. You want to shop around and get as many quotes and as many different options as you can.Shopping around gives you the opportunity to make a list of who has the cheapest rates, and who has the best financing terms. Some will have penalties, especially for early payments or early payoff, and some will not. You should try to avoid any car finance company that will have any type of penalties. If you purchase a car from a car lot or dealership rather than from an individual, you usually always have to have full coverage insurance; buying it from an individual as long as both parties agree and you are the only driver, you may be able to buy a low type of No-Fault insurance.Many companies offer car finance loans with bad credit, and help you build your credit back up. Not all companies charge you an outrageous price for doing this as each car finance loan company is different and has many different options, however they can save you money in the long run. Some of these online car finance loan companies guarantee a 100% loan with no obligations, and it is free to apply. They even offer car finance loans for bad credit and no credit, or any type of credit problems such as bankruptcy, are ok, and they claim to provide the lowest rates in all 50 states.When you find the right car that you are looking for, a car finance loan representative will want to know how far you will be driving back and forth to work, and whether or not you are going to use the car on the job. These questions usually make a big difference in how much money you will have to put down and how much your payments will be. If you have had any traffic tickets, and if you have been involved in any recent accidents can also play a role. They will also want to know if you have ever been caught driving with out a license, or if you have ever been caught driving under the influence.There are a few car finance loan companies that do sell their own cars with low rates, and zero money down, on their used and new cars and trucks. A few of these offer instant credit approvals and immediate cash in a few minutes, which makes car finance loan companies sound as though they are too good to be true. Keep in mind that most of the time if it sounds too good to be true, it usually is; be very wary of websites such as these, and research them as much as possible in order to keep from being scammed and cause you severe stress in the future.
Skin Care Do’s and Don’ts for Perfect Skin
Before the age of 25, you have the skin your mother gave you. After age 25, you have the skin you gave yourself. Evidence for the truth in this skin care mantra can be seen in the faces of women all around you. Up until their mid-twenties, most women enjoy naturally vibrant, glowing skin. As the thirties approach, however, the skin begins to lose its elasticity and suppleness.Fortunately, there are certain preventative measures you can take to keep your skin looking its best. Furthermore, certain products (such as Clarisonic’s deep pore cleansing system) can help you uncover your most radiant skin. Make the skin care dos listed below a part of your daily skin care regiment in order to see radiant skin for decades to come. On the flip side, by avoiding certain harmful skin care no-nos, you can prevent your skin from looking wrinkled and tired as you age.Skin Care DosDo wear sunscreen. Everyone loves to feel the warmth of the sun on their skin, but remember that UV rays can cause wrinkles, sunspots and even skin cancer. Take care of your skin by applying sunscreen whenever you anticipate being out in the sun, even if only for twenty minutes. As a bare minimum, apply sunscreen to the face, chest, neck and hands, as the skin on these areas is generally the most sensitive to UV rays. A product such as Uber Dry Sunscreen SPF30 by Peter Thomas Roths.Do eat healthy foods. Food writer Michael Pollan’s book In Defense of Food advises readers to, “Eat Food. Not too much. Mostly plants.” Pollan’s simple, liberating approach to diet is certainly healthy for your skin as well. Vegetables and fruits are chock full of antioxidants, or special chemical compounds that break down cancer-causing free radicals in the body. Free radicals also cause cell damage to the skin. For healthy skin from the inside out, include colorful vegetables and fruits with every meal, and especially aim to ingest plenty of vitamins C, E, A and beta carotene.Do drink plenty of water. Water flushes out toxins and improves circulation. Drinking 64 ounces (eight glasses) of water every day will keep your skin looking soft and supple. Additionally, it’s good to have a couple of versatile moisturizing products on hand for those days when you know your water levels are low. For instance, after a night of heavy drinking, you might notice your cuticles drying out, causing painful, unsightly hangnails. This is a sign that there may be other areas of dry skin that need a little TLC.Rather than buying a whole shelf of separate moisturizers for occasions like this, it’s best to have a few go-to products that will perk up your skin every time. A product like Smith’s Original Rosebud Salve, for instance, can be applied to dry lips, minor burns and patches of rough skin, such as on the knees and elbows. And best of all, Rosebud Salve is easy to keep on hand for whenever a skin care emergency pops up, since it is packaged in a small, round tin.Do apply eye cream. The skin around your eyes is some of the most sensitive, delicate skin on the entire body. Take care of it (and avoid those telltale crow’s feet!) by applying a daily eye cream. In case you’re looking for a recommendation, check out Peter Thomas Roth’s Un-Wrinkle Eye, which consumer studies have shown reduced wrinkle size up to 72% in just 28 days.Skincare Don’tsDon’t smoke. If you need motivation to quit, just take some time to examine the skin of long-term smokers. Yellow, papery skin with plenty of wrinkles around the lips – this is what smoking will earn you. Quit. Today. Your skin will thank you for years to come.Don’t skimp on moisturizer. Moisturized skin is happy skin. Indeed, you’ll notice that just after applying moisturizer, your skin will naturally plump up – sometimes enough to fill in those pesky wrinkles. Apply moisturizer when your skin is still damp from your shower or bath – this will lock in moisture and keep your skin looking plump and healthy all day long. Body oil is an especially luxurious way to moisturize your skin. Like all oils, Patyka’s Absolis Precious Woods body oil creates a barrier layer that moisture cannot penetrate.Don’t be sporadic about your skincare. Cleanse and moisturize every day to offset the pollution and other toxins your skin is exposed to on a daily basis. Whatever skincare products you choose to apply, use them religiously. An investment of just five minutes in the morning and five minutes in the evening can make a huge difference for your skin over a lifetime.One way to encourage yourself to complete your skin care regimen is to invest in enticing products that make you excited about taking care of yourself. For instance, it’s hard to put off using a Clarisonic Mia skin care brush, when just one daily application of your Clarisonic brush leaves skin looking almost brand new. (The Clarisonic brush vibrates back and forth more than 300 times per second, which thoroughly cleans skin and leaves pores so open that they actually absorb other skin care products better.)In the end, your daily skin care choices will determine how youthful (or aged) you appear as the decades march on. Nurture your skin by following the dos and avoiding the don’ts listed above, and you’ll enjoy perfect, healthy skin well into your golden years.
A 100% Financing Message to First Time Home Buyers – Seller Concessions, FHA & CalHFA
A couple of years ago you could get declined for a Discover card but you could qualify for a home loan. Think for a moment about the logic because I am not exaggerating. There were hundreds of thousands of people that got into loans that they were not qualified to handle, thus developing the onslaught of foreclosures and Short Sales that have come to pass. The rules of the game have changed and the difference now is that people will have to qualify and in some cases over qualify for financing. Lenders and consumers both have taken massive losses and new policy and laws have been set into motion to make sure that we never end up in a similar situation.There are numerous reasons to learn more about 100% financing besides that fact that about 90% of it completely disappeared. For instance, you could be a first time home buyer or know someone who is looking, that could benefit from this knowledge. You could be a realtor who needs to be kept up to date with the few remaining 100% programs so you can let your clientele know about them or, you could be a mortgage lender who wants to learn more about available products so you can serve your clients in a more effective manner.What ever your situation, I want to share some extremely valuable information that could keep you and the people you know, from wasting a ton of time and losing a large amount of money.100% financing in California is available through government sponsored programs. The two most common programs are called CalHFA and FHA. This article will dominantly focus on the CalHFA and FHA because they apply to the largest demographic. There are also other programs for educators and employees who work for a school district and receive salaries and if you are a U.S. Vet then the VA is a great option as well.For First Time Home Buyers, CalHFA offers down payment assistance programs which provide a helping hand of 3% of the sales price. This has to be paid back when you sell or refinance your home and is extremely beneficial because if there is a lack of funds to close, the 3% helps to absorb the closing costs and you don’t have to pay those “absorbed” out of pocket expenses. There are different down payment assistance programs and the parameters differ upon which of them you qualify for.Seller concessions are also important because they will absorb other closing costs as well. Seller concessions are common (especially in a buyers market) and CalHFA allows seller concessions designed as follows:o 3% of you are borrowing 90% of the property value or more.o 6% if you are borrowing 90% of the property value or lessAdd the Seller Concession to the Down Payment Assistance and you are looking at some major help to get into your home.FHA allows 6% Seller Concession and there are similar down payment assistance programs available (similar to that of CalHFA).Neither CalHFA nor FHA loans are subject to the California declining market decrease of 5% because CalHFA is its own entity (separate from mainstream housing lending) and FHA loans are federally insured.I highly suggest that if you are a First Time Home Buyer then you look at these opportunities and get a professional to pre-approve you, NOT pre-qualify you. The difference is a pre-qualification is a verbal go ahead and means nothing to a lender. A pre-Approval is a green light to go and get a house because under the approved information that you have submitted, you will be able to proceed into negotiations. A pre-approval is also a green light for an appraiser, a realtor, as well as buyers and sellers.Experienced real estate agents who know that they are doing will have you get pre-approved before they take you out to look at homes. This gives you a clear picture of how much money you can spend and it gives your realtor a chance to do some research on the available inventory of homes so they can show you exactly what fits your needs.For future information, there are many discussion boards, blogs, news sites, magazines and other sources of information that are available for you to review. It is always a good. My intent is to educate you so that you know that there are still opportunities out there and they are available to those who are willing to qualify for them.