Smart Ways to Finance a Vehicle

When you want to buy a car and are trying to figure out how to pay for it your options can seem confusing. Financing a car is something that most of us will do in our lifetime, so let’s look at the two most popular options: obtaining financing from a private lender, and obtaining financing from the dealership.

Financing Through a Private Lender

When you are going to get a loan, be sure to get a copy of your credit score and credit report before you go so that you’re armed with that information ahead of time. This information helps lenders determine whether or not to approve you for a loan and what interest rate to offer you if you are approved. This is an important first step because your credit score can actually take a bit of a hit when you are comparing lenders if they are all making requests for your credit history. Once you have that information start contacting banks and credit unions to determine who has the best rates and terms for the loan.

Rates for used cars will be a bit higher than new cars, so be ready for that if you are trying to buy a used car. If you are buying a used car, these are some important things you should know before you go to get financing:

  • • Make and model
  • • VIN (Vehicle Identification Number)
  • • Age of the car
  • • Mileage on the car
  • • Sometimes lenders will have restrictions on whether or not they can even issue loans based on when the car was initially purchased, how many miles are on it, and what the standing is of the title.

Once you have found the best rate bring a pre-qualification letter, which states the terms and conditions of the loan, to the dealership so that you can prove that you have secured financing. This will also give you bargaining power if the car dealership offers you financing at a higher rate. Also be sure to bring that same credit report and credit score that you brought to the bank. This will provide you with as much leverage as possible to get a good rate from the dealership to compete with what you have already locked in with your bank.

Financing Through a Dealership

Interest rates from car dealerships tend to be higher than rates from private lenders so if you can get a lower rate from a bank or credit union that is usually the best route to take. The advantage of getting financing from the dealership is that they can work more with people who may have difficulty getting bank financing due to their credit. Dealerships have to offer financing on the vehicles that they sell and if you cannot get financing elsewhere, having financing at a higher rate is better than having no financing at all. Dealerships are also able to offer incentives that banks cannot offer. For instance, dealerships can offer things like a trade-in on your current vehicle and rate reductions or better terms if you supply a down payment.

Some Lessons to Remember:

  1. Not all credit scores will be the same. It may be worth checking using multiple credit score services to ensure that you are getting the credit score that is going to give you the best chance of securing financing and getting the best interest rate.
  2. Check multiple sources! If you just go with whatever financing is presented to you from the dealership you may be missing out on a better rate. Over the lifetime of the car this can add up to a large sum!
  3. If you get turned down for financing that can be difficult to hear, but it might actually be for the best. Getting rejected when applying for a loan means that the lender does not have certainty that you will be able to pay back that loan. So take that information and know that you will likely have to look for a less expensive car.

‘Bachelor’ spoilers: Who is the next ‘Bachelorette’ 2014?

“Bachelor” spoilers have been all over the internet greatly in part to Reality Steve who loves to give fans the 411 long before the season ends. One of the spoilers involves the next “Bachelorette” and on Feb. 24, Hollywood Life reported who that is rumored to be. Apparently Andi Dorfman will take the helm — she and Juan Pablo will not end up together (in case you didn’t read the finale spoilers).

The selection of Andi has a lot of fans in an uproar — while a lot of people liked her on “The Bachelor,” most don’t see her as “The Bachelorette” and were really hoping for some “fresh meat” so to speak.

“Bachelor” spoilers revealed who Juan Pablo chooses at the end of this season but also what will happen moving forward with the popular ABC franchise. Andi Dorfman will begin filming her season on March 11 or 12. According to the report, the “official” announcement will air on “After the Final Rose,” which isn’t anything new. And the fact that the news was spoiled? Also nothing new.

Benefits of Tailor Made Tour Package in Kolkata

Most of us plan one or two vacations every year. The trend of international vacations has even more risen in the recent era. Quite naturally, criticalities of an overseas vacation are much elevated when compared to domestic travels. Nevertheless, you need to consider all essential aspects while you travel, no matter whether inside the country or abroad.

Among so many factors that are considered crucial while planning a holiday trip, money is most important. Most of the holiday destinations have separate demands and rates on pick seasons that attract more travelers from across the country. If you want to travel in any pick season, it is always wise to plan well in advance.

An advance planning offers an advantage of arranging all required aspects for making a vacation perfect. For example, if you have not your hotels booked at the travel destinations, you might find it difficult when reaching the spot. May be you get one after so much of searching, but the tariffs may raise your eyebrows quite easily. Considering all these factors, the comprehensive travel packages make the ideal option for anyone, who looks for safe and secured holidays. Whether you travel with your family or friends, the tour packages are efficient enough to offer you hazardless holidays at any time of the year.

If you have not traveled with package tours before, you must not be acquainted with the great advantages of the same. Here are few of the advantages that you must enjoy while traveling with package tours.

  1. Offers cost saving tours: Suppose, you are planning a trip to Jammu & Kashmir this summer. To accomplish this successfully, you need to book hotels in some popular tourist destinations like Srinagar, Pahelgaon, Sonmarg, Gulmarg, Patnitop, and Katra for Vaishno Devi. Is it possible for you to book hotels on your own at all these locations? In addition, you will have to arrange transfers and sightseeing tours too. If you try doing this alone, you might end up paying a very high cost that would easily cross your budget. Going with a package tour prevents this unnecessary spending. Most of the holiday makers have tie ups with hotels and resorts at the holiday destinations. Hence, they could always ensure the best rates for you throughout all the seasons.
  2. Ensures worry-free journey: You need to arrange for all necessary staffs when traveling alone. From hotel booking to checking accommodation, and arranging train or air tickets, everything needs to be done within a fixed time. You can get rid of all these worries when choosing a holidaymaker. A tour operator will ensure all such works on your behalf without involving your valuable time and energy.
  3. Tailor made tour packages: Most people prefer package tours for tailor made tour package in Kolkata. Hurricane tours are made easy best when traveling along with such a reliable package tour company. They make a vacation a complete one. From foods to sightseeing, everything can be the way you like. You can cut short your travel destinations, or add one some more points according to your likings. Moreover, you do not have to take responsibility of anything such as domestic air ticketing in Kolkata, or international ticketing for foreign vacations.

High carbohydrate diets linked to dementia: Eat healthy fats, say experts

Want to reduce your risk of dementia and Alzheimer’s? The latest studies show that the key to achieving that goal is simple: Eliminate carbohydrates such as sugar and grains and replace them with healthy fats, reported the Sacramento Bee on Feb. 21.

Spanish researchers evaluated the impact of diets on cognition, dividing study group participants ages 50 to 80 into three different groups:

  • One group ate a Mediterranean-style diet supplemented with extra-virgin olive oil
  • A second group followed a similar diet but supplement it with extra nuts rather than olive oil
  • The third group consumed a low fat diet with carbohydrates such as whole grains

The results after 6.5 years on these diets: Participants who ate the diet high in extra-virgin olive oil scored best on cognition tests, followed by those who ate nuts. The lowest scores came from those who avoided fat and ate grains.

Mediterranean diets traditionally include healthy fats such as nuts and olive oil, with total calorie intake from fats as high as 40 percent. Also included: Vegetables, fruits, nuts and legumes, with moderate to high consumption of fish and seafood and low consumption of dairy and meat. Processed grains are kept to a minimum.

What’s the link between this high fat diet and cognition? Studies show that such diets result in lower blood concentrations of inflammatory markers like C-reactive protein and reduced risk factors for vascular disease such as diabetes and high blood pressure. Both inflammation and vascular disease are known risk factors in dementia and cognitive decline.

Contrasted with such high fat, low carb diets, the standard American diet (SAD) poses risks in its high percentages of processed grains and sugars.

SAD menus result in elevated blood sugar and insulin resistance, causing glycation of proteins.Through this process, glucose molecules attach to proteins, and that’s been associated with reductions in cognitive function.

What Fruits Are Good for Diabetes?

The U.S. National Library of Medicine says diabetes occurs because of elevated blood glucose levels. The pancreas no longer uses or produces enough insulin for the body to function properly. Without enough insulin, high levels of glucose remain in the bloodstream. Diet plays a major role in controlling blood glucose levels, so people should maintain a nutritionally dense diet. Many diabetics think that they can’t eat fruits when diagnosed with diabetics; however, many fruits are good for diabetes because they have low sugar content.

Apples

Natural News cites a National Health and Nutrition Examination Survey that took place from 1999 to 2004. The research found that apples are good fruits for diabetes because they prevent conditions that cause metabolic syndrome, including diabetes. Many participants in the study saw a decrease in symptoms 24 hours after eating apples. Apples reduced inflammation related to diabetes and heart disease. According to Nutrition Data, apples are 38 on the glycemic index–the index used to determine how foods affect blood sugar levels.

Grapefruit

Grapefruits, 25 on the glycemic index, are good fruits for diabetes because they naturally lower blood sugar levels. The Diabetes Action Research and Education Foundation states that none of the ingredients in grapefruit seem to hinder insulin production. Fresh grapefruit works better than juice because of its slow conversion rate in the body.

Oranges

Oranges are low-glycemic-index fruits, at 48, and are also good for diabetics. The World’s Healthiest Foods, produced by the George Mateljan Foundation, states that fiber and Vitamin C found in oranges controls blood sugar levels. Oranges, a low-fat snack, can be part of a healthy diet that controls or reduces weight, one of the risk factors for diabetes.

Bitter Melon

The fruit juice found in bitter melon has been used as a diabetic remedy in Asia, Africa and South America. Diabetes Health says bitter melons are good fruits for diabetes because the natural ingredients lower blood sugar levels in diabetes sufferers. Diabetes Health also concludes that bitter melon helps the tissues in the body absorb glucose. However, Holistic Online says large consumptions of bitter melon juice cause stomach pain and diarrhea, and children with hypoglycemia may experience extremely low blood sugar levels.

Bananas

The American Diabetes Association says bananas have the bad reputation of being high in sugar or fattening. However, these fruits are good for diabetes because they are actually low in sugar, which won’t raise blood glucose levels. As a low-fat treat, they help diabetics maintain or lose weight. Bananas also contain potassium, which reduces sodium in the body.

Changing Your Car’S Battery

The following things are required:

  • A new battery
  • Safety glasses
  • Clean water
  • A socket wrench or an adjustable wrench
  • A can of Rust-O-Lieum primer
  • Battery terminal cleaner or wire brush
  • White lithium grease
  • Rubber gloves (optional)

The need to replace your battery

For proper operation of your car, having a good battery is essential. If proper care and maintenance is given to the battery, it can last for up to 5 years. Problems and failures of batteries can take place in as sooner as three years and that too in places where weather conditions are extreme – either too hot or too cold as such conditions tends to impose a heavy toll on the battery of the vehicle. In addition to this, other causes of premature failing of the battery include undercharging, overcharging, vibration and abuse. The modern design of vehicles batteries is as such that a constant drain system is included even if the car is parked as well since long sitting time periods may also cause the battery to go dead thereby, requiring to be charged.

At one point or another, getting your car battery changed becomes empirical. Although, the task is simple however, severe corrosion can make it difficult. If your battery is also facing issues, take it to a professional who will fix it up for you.

Get your car battery under perfect working conditions. You can check a local auto spare parts store so as to get the right size and type of battery for your vehicle. Bringing in your old battery to get a new one is a good idea and you can also leave the old one in order to get it recycled. Also ensure that the new battery you purchased is charged completely.

WORK IN AN AREA WHICH IS WELL-VENTILATED AND HAVE NO SPARKS AND OPEN FLAMES. AVOID SMOKING.

  • Get the negative cable disconnected first and then get the positive cable disconnected.
  • Remove the hold down of the battery. It can be on top of the battery or on the tray which is clamped onto the side of the battery.
  • Once free, lift it up carefully out of the tray.

VEHICLE BATTERIES CONTAINS SULFURIC ACID WHICH CAN BURN YOUR SKIN OR ANY OTHER THING WHICH COMES IN CONTACT WITH IT.

  • Analyze the battery tray, if there is any signs of corrosion or rust clean it with water. Leave the tray to dry and the spray primer so as to prevent future corrosion.
  • Place the new battery on the tray and the reinstall the hold own clamp.
  • If your battery has a top terminal, remove debris from the cables within the battery and the battery posts with a wire brush.
  • Make sure there is no corrosion on the cables of the battery.
  • Join the positive cable first and then the negative cable. Tighten then but avoid over tighten.
  • Coat the battery terminals with white lithium grease so as to avoid corrosion.
  • Get the engine started and the task is completed.

9 Knock-Out Knits

Knits are like a winter fashion rite of passage. Those in the know about style say you need at least one in your closet. You can go subtle with a knitted accessory — such as gloves, a hat or scarves — or opt for a larger piece, like a sweater dress or a statement cardigan, worn here by “Real Housewives” personality Kyle Richards. Knits are as cozy as they are fashionable and can be styled dozens of ways. Make sure whatever you buy fits well and is structurally sound so it lasts for years.

Knit Pullover

Singer-songwriter Ellie Goulding wears this quintessential winter knit pullover with a pair of black shorts for a youthful vibe. Jene Luciani, a nationally acclaimed fashion and style expert, says this look is right on trend, and also suggests pairing a pullover knit with leggings, shimmering tights, tweed shorts or jeans.

Knit Jacket

The tossed-over-the-shoulder knit jacket worn by British model Alice Dellal is a timeless garment that’s universally flattering. “This is a versatile piece you’ll wear all the time, especially in a neutral color like this one,” noted Luciani. “She could have come straight from work, worn it buttoned up over the dress in the office, and then taken it off to reveal some tasteful cleavage for the evening out.”

Knitted Scarf

“A scarf is a winter weather essential, but fashion-wise it’s meant to be an accent piece, so you want to make sure it does just that,” advised Luciani. She says that while this scarf — worn by singer-songwriter Carly Rae Jepson — is a knock-out knit, it should be paired with either no hat or a smaller hat for better balance.

Curve-Hugging Knit Dress

Curves abound in this flattering knit dress worn by model Kyle Bax. “It’s really accentuating all her best assets without looking too tight,” said Luciani. “She’s completely smooth too, which tells me she has the right undergarments underneath — very important with a knit dress.”

Knit Beret

“I love a knit beanie cap with flowing locks and side-swept bangs peeking out,” said Luciani about singer-songwriter Brooke White’s knitted beret. “She’s also wearing the cap right at the crown, which is proper placement.” This chic placement shows off her face.

Cropped Knit Sweater

German actress Hannah Herzsprung stands out in this purple Chanel cropped knit sweater. Luciani said she loves bright colors in the winter and suggests not shying away from them. For a variation on this look, try a “button-down cardi with the marbled effect and stay in the color scheme of the skirt,” she advised.

Sequined Knit Cardigan

“I love a good metallic, especially around the holidays,” said Lucini of German singer-songwriter Bahar Kizil’s sequined knit cardigan. The sequins punch up an otherwise drab garment. “This sweater hits just above her hips, which still shows her shape, and she wears it open, so it shows off the sheer top underneath.”

Sheer Layered Knit Sweater

Ashlee Simpson pairs an oversize sheer knitted sweater with an undershirt and leggings. Luciani said the proportions here are good — baggy on top and fitted on the bottom — but cautioned to be wary of this look if you’re curvy since it can hide your shape and add pounds. She recommends this look for petite women, in particular.

Cropped Knit Cardigan

“No one does casual-chic quite like Katie Holmes,” said Luciani of the actress. “I love the leathery waxed look to the pants paired with the perfectly proportioned cardi and cream shell underneath.” When re-creating this look, keep things in a neutral color scheme like Holmes does and make sure every piece fits well.

How to Treat Infected Mosquito Bites

Summer and mosquitoes go hand in hand with the heat of the season. They fly thick near water between dusk and dawn. The female needs blood for her eggs to survive, and usually we are the unfortunate targets for her meal. Mosquitoes carry blood-borne diseases such as dengue fever, yellow fever, malaria, encephalitis and West Nile virus, so a good mosquito repellent containing DEET should be sprayed on exposed skin before venturing out in the early morning or evening hours when these pesky critters feed. Often a mosquito bite may become so bothersome that we scratch it, and unconsciously scratch it in our sleep, until it becomes infected. Infected mosquito bites needed to be treated immediately.

Instructions

  1. Treating Infected Mosquito Bites – Wash the red, sometimes weeping, mosquito bite carefully with soap and water and dab it dry with a clean paper towel. Although you may have a compelling urge to scratch the infected mosquito bite like mad, try not to as fingernails harbor all kinds of bacteria and may cause a secondary infection.
  2. Apply a thin layer of triple antibiotic ointment such as Neosporin to the infected mosquito bite and cover with a band aid to prevent knocking the already painful area.
  3. Take an antihistamine such as Benadryl to quell the itching and reduce redness or welts, especially at night when unconscious scratching of the infected mosquito bite may occur. Caladryl may be applied after the infection has begun to heal to relieve the itch and reduce the swelling.

The Easy Way To Enjoy Sports Betting On The Internet

Forecasting the outcome upon sports activities is what sports betting entails. The particular inception regarding sports gambling on the internet has raises the interest of most people in to playing sports betting for real funds. Really, sports wagering are among the games of chance as well as probability that are available on the internet. Considering that the sports betting is the game of chance, the result of an function is independent on the sequential outcomes, which make it hard for someone to cheat inside sports gambling routines. There are many sports wagering variants available on the net, which one can certainly play to create real money on the internet. The availability of sports gambling on the web has eradicated the interruptions and aggravations, which people typically face within their bid to enjoy sports gambling for the most part bricks and mortar game locations.

Indeed, there are numerous sports gambling sites available online. Majority of the sports gambling sites are always able to render incredible services with their clients at every point in time. Actually, the increase in the quantity of sports betting sites on the internet makes it hard finding reliable betting sites regarding sports games. More so, most sports betting sites online typically render marketing services, that they can usually make use of to attract people into leveraging their particular poor quality sports wagering services. Certainly, one needs to make certain that he or she decide on a reliable sports betting sites that have reliable bookmarker that will be eager to render top quality and honest services for their clients.

Of the truth, you can find things one needs to look up to while selecting sports betting sites so as to aid him or her appreciate amazing gambling with sports actions.

Some of the what you require to know about professional sports gambling sites
• Posting associated with odds: Truly, most of the highly experienced and also professional sports gambling sites are always the first to post odds for their games making it possible for their clients to learn about the odds regarding sports events prior to placing their own wager.

• Must end up being greatly reliable: You need to ensure the reputation of any bookmaker or perhaps gaming website you want to control for your sports betting online. Either you can easily look at the reputation of the particular gaming site through Yahoo or from the website you want to leverage.

• Must have the ability to provide their potential customers with sportsbook: An honest and specialist sports gambling website always have current sportsbook, which will help their customers to know the actual underpinnings of the sports games they want to guess on.

Apparently, the above detailed and many more will be the things you need to look up to within your bid to gamble about the sports activities online through some sports gambling sites.

How to Prepare A Winter Emergency Kit for Your Car

With these frigid cold temperatures, freezing rain and snow storms, it is important to be prepared for the worst. Whether you are a local driver or long distance commuter, always be prepared.

A roadside emergency can happen at any time, whether your car is new or old. A range of problems can cause it, from a tire failure or mechanical breakdown to running out of fuel. At best, it’s an annoyance; at worst, it can compromise your safety. Being prepared with a basic emergency kit can increase your safety, reduce stress, and help you get back on the road faster.

Even if you have roadside-assistance coverage or an automobile-club membership with roadside assistance, you usually need access to a phone in order to contact them and you may have to wait on the side of the road for an hour or more before help arrives.

Prepare an emergency car kit

A basic car kit should contain the following:

  • Food that won’t spoil, such as energy bars
  • Water–plastic bottles (replace them every six months)
  • Blanket
  • Extra clothing and shoes or boots
  • First aid kit with seatbelt cutter
  • Small shovel, scraper and snowbrush
  • Candle in a deep can and matches
  • Wind‑up flashlight
  • Whistle–in case you need to attract attention
  • Roadmaps

Items to keep in your trunk:

  • Sand, salt
  • Antifreeze and windshield washer fluid
  • Tow rope
  • Jumper cables
  • Fire extinguisher
  • Warning light or road flares

Survival tips:

  • Prepare your vehicle: Make sure you keep your gas tank at least half full.
  • Be easy to find: Tell someone where you are going and the route you will take.
  • If stuck: Tie a fluorescent flag (from your kit) on your antenna or hang it out the window.
  • At night, keep your dome light on. Rescue crews can see a small glow at a distance.
  • To reduce battery drain, use emergency flashers only if you hear approachingvehicles. If you’re with someone else, make sure at least one person is awake and keeping watch for help at all times.
  • Stay in your vehicle: Walking in a storm can be very dangerous. You might become lost or exhausted. Your vehicle is a good shelter.
  • Avoid Overexertion: Shoveling snow or pushing your car takes a lot of effort in storm conditions. Don’t risk a heart attack or injury. That work can also make you hot and sweaty. Wet clothing loses insulation value, making you susceptible to hypothermia.
  • Fresh Air: It’s better to be cold and awake than comfortably warm and sleepy. Snow can plug your vehicle’s exhaust system and cause deadly carbon monoxide gas to enter your car. Only run the engine for 10 minutes an hour and make sure the exhaust pipe is free of snow. Keeping a window open a crack while running the engine is also a good idea.
  • Don’t expect to be comfortable: You want to survive until you’re found. Follow all of these tips and remember to be safe and cautious during the winter season.