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Buying a New Sports Car – Twelve Tips To Avoid Financial Sticker Shock
by: Valerie Mills
Nothing (well, almost nothing) can compare to the thrill of driving a road-hugging high performance sports car. Instant steering response. Power at the exact nanosecond you ask for it.

Then, if you have one of the sexier models, you’ll attract attention on the road, filling up, and in the shopping mall parking lot.

Yes, you can pretend you’re driving the Autobahn with the wind blowing your hair. But beware of state troopers just waiting for an “arrest me red” entry on their ticket issuing track record.

Before You Fall In Love . . .

Before you step into that showroom and fall in love, consider the following practicalities:

1) How much do you want to spend? $20,000? $30,000? Or more?

2) What’s the tradeoff between performance (power) and gas mileage? Higher performance usually equals less gas mileage.

Does the vehicle use premium gas? Right now, the difference between premium and regular is 20 cents per gallon. At 20 miles per gallon and 15,000 miles per year, the cost differential is $150.

3) What about reliability? Some upscale models cost considerably more to maintain and have a higher incidence of repair costs. Would you appreciate paying $125 just to diagnose the problem when the check engine light comes on? Or paying $70 for an oil change?

4) In a climate where snow and ice are winter realities, do you want to drive it year round? Or store it over the winter?

A rear wheel drive sports car is impractical for winter driving. A front, all-wheel, or 4-wheel drive sport car can be driven in snow and ice, if you use all-season tires. If the little devil comes with performance tires, you will want to buy all-season tires (and possibly rims) for winter driving. Add another $1500 to the price of the car for the right tires and rims.

Do Your Homework . . .

5) Once you’ve decided price, performance, gas mileage, reliability, and practicality for all-season driving, get on the Internet. Here you can compare models and pricing and read reviews. Google “buying a new car” or “new car prices” and several sites will pop up.

Another source is Consumer Report (the new car issue) where your criteria will be easy to find. Red dots are good. Black dots are not. Most American car dealers consider this issue of Consumer Report a nightmare because it favors foreign car models, especially Asian cars. However, as explained in the newest version of this report, American car manufacturers are catching up.

6) Find out what you should pay before stepping into a showroom. Dealers will offer below invoice prices even on some sports cars because of rebates, dealer incentives, and dealer returns when they make a sale.

7) Remember the incidentals. Yes, you have to pay to transport the vehicle from the manufacturer. Yes, you have to pay for options. And remember the sales (and sometimes luxury) tax.

The Driving Experience . . .

8) Unless you have driven the exact model and year you want to purchase, step into the showroom and test drive the car. Driving the previous year’s model is unacceptable. If the dealer lures you into his web and asks you to test drive an earlier model, RUN out of the show room. You’re wasting your time.

9) Pick at least 2 different road types for test driving. The winding, hilly road is one road type. Road hugging capabilities are tested here. If the car is standard, smooth-shifting is another test. A car that cuts back after you release the clutch is NOT smooth shifting.

The highway is another road type. Make sure power is sufficient to handle entrance ramps and merging with traffic. If you get an instant response at highway speeds, the car is a possible winner.

Closing the Deal . . .

10) If you like the car, get the dealer’s best quote. Then, find at least one other dealer to give you another quote ON THE SAME CAR. If you don’t like the car in the test drive, you probably won’t like the car – ever. Move on to the next model.

11) When you decide on a car, call your insurance company and find out what the vehicle will cost per year. And don’t choke on your coffee when you hear the amount – you can shop around.

12) Estimate how much the real estate taxes will be on the car, especially if it’s a high-priced model. This could be another financial shocker!

As you can see, sports car buying is a process. Do you need to do all this stuff? Nope, you don’t. But consider the financial sticker shock when you’re paying an extraordinary amount for maintenance, repairs, gas, insurance, and taxes! Just for that Autobahnesque experience!


About the author:

Valerie Mills,a copywriter/designer specializing in direct mail and web advertising, has written sales letters, web sites, and brochures for the finance, self-help, and technology areas. She also audits sites for usability, sales appeal, structural integrity, and readability. In addition, using her experience as an educator and corporate trainer, Valerie has written several articles and a parents' guide to coach kids of all ages about money and personal finance. Refer to web sites http://v.mills.home.att.netand http://teachyourkidsaboutmoney.com




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Tips For Winter Driving
 by: David Maillie

Winter driving can be hazardous and stressful. Wind, snow, ice and blizzard conditions increase the normal dangers of driving. There is a lot you can do before the winter driving season and during a storm to protect yourself and your family.

Before winter arrives, have your car inspected to be sure it is ready for the road conditions. You can do this yourself or take it to a qualified mechanic. Check the battery, wipers and fluid, thermostat, brakes, ignition system, antifreeze, exhaust system, lights, oil level, heater and defrosters. Make sure everything is in good working order to keep you safe throughout the cold weather.

Check your tires to be sure they are road ready. Install tires that are appropriate for the driving conditions. In moderate amounts of snow, all weather radials will do the job nicely. If you live in a climate where you experience a lot of snow, consider snow tires. These have better tread to deal with snow and ice.

Prepare an emergency kit to keep in the back of your car. This will ensure that you are prepared in the event that you get stuck in the snow. Things to include in the kit:

Ice scraper
Small broom
Small shovel
Kitty litter or a bag of sand (to give traction if you get stuck in snow or ice)
Blankets or a sleeping bag
Flashlight with batteries
Flares or warning triangles
Plastic bags
First aid kit
Tool kit
Jumper cables
Bright cloth to use as a flag
Help sign for back window
Extra hat and gloves
Food and water to sustain you if you get stuck
A book, Bible or Prayer Cards to keep you busy and calm in the event you get stuck.
Charged cell phone (always carry this, especially in the winter)

Keep your gas tank at least half full at all times. This adds weight to the car and will ensure that you won’t run out of gas in the event you get stuck.

Driving in the Snow

Pay attention to the weather forecasts and road conditions in the winter months. If the weather is bad, stay home if at all possible. If you must venture out, travel in the daylight. You are more likely to find help if you get stuck during the day. Never warm up your vehicle in the garage. This releases carbon monoxide, which is toxic and can kill you.

When driving, always wear your seatbelt. Wear sunglasses to protect your eyes from the glare of the sun reflecting off the snow. Know your car and how it handles in the snow. Features like traction control and antilock brakes can be useful in bad weather conditions. Know how these work and if your car is new, practice driving it in a snow covered parking lot before venturing out on the road.

Take it slow, especially in icy conditions. Don’t tailgate and be sure to allow a safe distance between vehicles. Do everything slowly, stopping, accelerating and turning. Leave plenty of time and space to maneuver. Sliding and skidding usually happen when turning, stopping or accelerating. Going extra slow will ensure your safety.

If the visibility is low, slow down even more. Consider getting off highways and driving even slower. This will take you out of the path of large trucks that can cause accidents. Use only your low beams, as your high beams will reflect back off the snow and won’t increase your visibility. Turn on your hazard lights to be sure other drivers see you.

In the event your car gets stuck, don’t get out. Put up the hood and tie your cloth to the antennae. This will make you more visible to emergency vehicles and other drivers. Keep the windows, air grill and tail pipe clear of snow. Wrap up in blankets and huddle up with passengers to stay warm. Run the heat for fifteen minutes each hour to keep from freezing. Move your body around to stay warm.

Keeping your car clean throughout the winter is important. Salt on the roads is important for safety, but will wreak havoc on the finish. If left on for long periods, it can cause rusting. Wash your vehicle weekly to remove salt and wax to protect the paint. Salt also leaves a coating on your headlights that can impair their operation. This will make you less visible to other vehicles. New Lite Headlight Cleaner and Restorer will return the lights to like new condition.

About The Author
 

David Maillie is a chemist with over 12 years experience in biochemical research and clynical analysis. He is an alumni of Cornell University and specializes in biochemical synthesis for public, private, and governmental interests. He holds numerous patents including his recently awarded patent for headlight cleaner and restorer. He can be reached at M.D. Wholesale: http://www.mdwholesale.com.

 



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