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Updates News & Information About Driving Laws

How to Avoid Car and Personal Loan Scams

December 16th, 2014 by Mediashower
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Buying a car or securing a loan is stressful. Unscrupulous people or businesses who scam unsuspecting people are aware of this. They often focus on people who are vulnerable because past financial problems may make it hard for them to get a loan. Beware of scams. Even though getting a legitimate loan can create anxiety, allowing your optimism to let you fall for a deal that sounds too good to be true will cause you more stress in the long run.

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Don’t fall for a car loan scam! Look for the biggest warning signs.

Look for the Telltale Signs

As discussed in the article “How to Detect and Avoid Personal Loan Scams,” there are many red flags that should indicate right away that something may be amiss. Instead of watching out for an individual scam, look out for some of the warning signs that are central to all kinds of different frauds.

“Bad Credit, No Credit, No Problem” Is Usually a Problem

If you have a checkered financial past, and your credit has suffered, it may be tempting to go to a car dealer or lender who claims not to care about your credit history, or even if you have no credit at all. Beware of anyone who guarantees a loan without examining your financial history.

Never Wire Money

Mail fraud and wire fraud laws are strict and severe. If someone uses the mail or a telephone to commit a crime, they can face decades in prison. To get around these laws, many swindlers convince their marks to send them the money they intend to steal through Western Union, MoneyPak or a similar service. Anyone who asks you to wire loan payments or make them directly to an individual should be treated with suspicion.

The money-loaning business is flush with predators. They are counting on your desperation and your hope to get a loan that is better than what your credit or income should allow. Use common sense. Never pay anything up front or wire money. Be skeptical of anyone who isn’t concerned with your background. Get a co-signer and work to rebuild your credit, but never be a victim.

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People with financial problems are often the target of loan scams.

Andrew Lisa is a freelance business writer. He covers personal finance and borrowing.  How to Avoid Car and Personal Loan Scams

Arizona traffic laws can help you determine if a traffic ticket is worth fighting .

 

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Car Loan Calculators: What They Are, and Why You Need One When Car Shopping

December 16th, 2014 by Mediashower
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Shopping for a car is stressful. Among the biggest anxieties, of course, is the loan you will take out to pay for the car. The terms of your loan will have a huge impact on both monthly payments and overall cost. Can you crunch those numbers in your head (or even on paper) under the pressure of a car deal? You don’t have to! A loan calculator can help you understand your loan and do the hard work for you.

carcalculator Car Loan Calculators: What They Are, and Why You Need One When Car Shopping
Unless you’re really confident in your math prowess, a loan calculator can always get the numbers right.

Learn the Loan’s True Cost

The article “Car Shopping? Don’t Leave Home without a Car Loan Calculator” gives the example of a loan for a car that costs $15,000. At 11 percent interest, with payments of $387 a month over four years, the car actually winds up costing $18,000 in the long run. If you can do that math in your head, on the spot, good for you! But for most of us, wading through complicated formulas to find the true cost is much easier with a loan calculator.

Compare Different Loans

In order to make sure you’re getting the best deal, you have to compare different loans. When several loans of different lengths of time and with different interest rates and different monthly payments are all side by side, most of us aren’t going to want to do those calculations with a pen and paper and hope that we didn’t forget to carry a one. Use a loan calculator to ensure accuracy and get the right loan.

Break Down Different Loans into Their Fundamental Parts

Loans consist of three main parts: the principle, the term and the rate. The principle is the amount of money you’re borrowing, the term is how many months you will take to pay it back and the interest rate is how much extra you’re going to pay on top of the principle. With a loan calculator, you can quickly see if lower monthly payments will actually cost more in the long run because of an extended term.

carcalculator2 Car Loan Calculators: What They Are, and Why You Need One When Car Shopping
Bring a loan calculator along for the ride when you’re buying a car.

A loan calculator takes the anxiety out of the loan-shopping process for those of us who aren’t natural number crunchers. Use a loan calculator to understand and compare different loans, to break down your options and to ensure accuracy in arithmetic that could otherwise contain costly errors.

Andrew Lisa is a freelance auto writer who covers highway safety, traffic laws and the new car market.  Car Loan Calculators: What They Are, and Why You Need One When Car Shopping

Fight an arizona traffic ticket with a local ticket lawyer

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Have Bad Credit and Need to Get a Car? Don’t Despair – it Happens All the Time

December 9th, 2014 by Mediashower
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Your credit score can mean the difference between a good interest rate on a loan, a bad interest rate on a loan or not getting a loan at all. The ability to get a loan for a car is directly linked to the financial history of the person applying for the loan. If you have damaged credit, however, it is not impossible to secure a loan – even at a decent rate.

credit vehicle 2 Have Bad Credit and Need to Get a Car? Dont Despair   it Happens All the Time
Bad credit can hurt you chances of getting a good auto loan – but you still have options!

Get the Dealer to Vouch for You

As discussed in the article “4 Real-Life Stories of Consumers Who Got Bad Credit Auto Loans,” sometimes the car dealer can influence lenders by vouching for potential buyers who have bad credit, but who have proven that they have taken steps to improve their financial situation. When a dealer puts a good word in for a buyer with questionable credit, that recommendation can be a powerful tool in swaying a lender who is on the fence about offering a loan.

Get a Co-Signer

In another case, a dealer got a co-signer with good credit to sign on to the loan. If the person who was buying the car missed a payment or defaulted on the loan, the responsibility would fall on the co-signer. When the buyer maintains the commitment and pays faithfully, the co-signer is unaffected. As a side bonus, the buyer builds his or her credit by maintaining the terms of the loan.

Get Involved, Fix Errors

There are three credit bureaus responsible for collecting and maintaining credit information. Everyone is entitled to one free credit report from all three bureaus once a year. Check your credit reports. Examine everything from your personal information like name and address to the details of loans you’ve defaulted on in the past. You have the right to challenge mistakes and, if verified, have them removed. Removing false information can dramatically improve your credit score, which lenders use to determine the outcome of your loan.

credit vehicle Have Bad Credit and Need to Get a Car? Dont Despair   it Happens All the Time
Bad credit – even a recent bankruptcy – doesn’t have to prevent you from getting a car loan.

Your first step should be to get involved with your credit status. Get your free reports, examine them for errors and develop a plan to improve. In the beginning, you may need a cosigner, but as your credit improves, you may be able to refinance on your own. If you can, get a dealer to put in a good word for you. When you do get a loan, remember, pay on time, every time.

Andrew Lisa is a freelance finance writer who covers personal finance and taxes. Have Bad Credit and Need to Get a Car? Dont Despair   it Happens All the Time

If you have a speeding ticket in arizona contact a speeding ticket lawyer in Phoenix   today!

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How Many Points Will That Ticket Add to Your License?

December 3rd, 2014 by Mediashower
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Traffic laws differ from state to state, but there are similarities in penalty structures across the country. Most states have traffic laws in which violations can result in fines and points on the driver’s license. Both points and fines can result in higher insurance rates and other potential penalties from the state, such as suspension.

481308089 How Many Points Will That Ticket Add to Your License?
There is a direct correlation between points, fines and insurance rates.

The DMV Point System

Most state DMVs use a point system to rate the records of the state’s licensed drivers. The accumulation of too many points in any given time period may result in suspension or loss of license. In California, for example, four points in 12 months, six points in 24 months or eight points in 36 months can all lead to suspension.

Violations and Accumulated Points

Minor moving violations like speeding may result in a limited number of points, where more egregious violations such as careless driving may result in immediate suspension. Commercial drivers often face even stricter regulations, with points often accumulating at 1 1/2 times the rate as that of personal drivers.

Points and Insurance

When purchasing a new insurance policy – or renewing an old policy – the insurance company checks the driver’s record as a matter of basic, preliminary approval procedures. Points have the same effect on buying insurance as your credit score has on loan applications. That means that there is a direct correlation between the number of points on your license and the rates you’ll wind up paying your insurance carrier in virtually every state.

115907067 How Many Points Will That Ticket Add to Your License?
When you avoid tickets, you avoid fines, points and increased insurance rates.

Getting points removed is difficult but possible in most states. Some states allow drivers to go to traffic school or take defensive driving classes in an effort to get their license back in good standing. Specialized traffic ticket attorneys may also be able to help. The best remedy, of course, is prevention. Tickets will lead to fines, points and higher insurance rates.

Andrew Lisa is a freelance auto writer. He writes about highway safety and traffic laws, and also profiles top content sites such as MediaShower.com for other freelance writers. How Many Points Will That Ticket Add to Your License?

 

If you have a speeding ticket in arizona hire a phoenix speeding ticket lawyer.

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Miss a Car Loan Payment? Follow This Guide

November 23rd, 2014 by Mediashower
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Missing a car payment is not the end of the world, but it’s pretty bad – worse even than a traffic ticket. It directly affects your credit in a negative way – all three credit agencies heavily weigh missed payments when issuing credit scores. The best thing you can do is pay on time, every time. But sometimes, financial uncertainty makes that an impossibility. Follow this guide to staying on track.

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Repossessions are a lose/lose for everyone – your lender wants to help you maintain your loan.

Keep in Touch

As with any relationship, communication is crucial when it comes to your relationship with your lender. Remember, lenders make money by giving people loans and charging them interest. They don’t make money by repossessing cars and selling written-off debt. Maintaining the loan is in their interest, and they deal with people all the time who hit financial snags. Call them and talk to them if you’re falling behind. The key is to call them before they call you.

Change the Date

As discussed in the article “Failed to Make Car Loan Payments? Here’s What to Do,” it is best to be proactive. But if you’ve already buried your head in the sand and missed a payment, call and ask to have the due date changed. If you can modify the terms of the loan, that’s even better, but by pushing back the due date, you’ll also be pushing back the day that your lender reports to the credit agencies. This at least buys you some time.

Refinance

If your credit is in decent shape – even if you’re short on cash – refinance your loan with your current company or a different lender. Even if the terms don’t improve very much, you can buy yourself a month with a new loan. You can also stretch the payments out over a longer period of time (a 48-month loan becomes a 60-month loan, for example). This may actually increase the overall price of the car, but it will lower the monthly payments and give you some breathing room.

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Don’t dodge your lender – communication can solve most problems.

Like a traffic ticket, the occasional missed car payment is something that can happen, even if you’re careful. Talk to your lender – the worst thing you can do is take the phone off the hook and hope it goes away. Consider refinancing and, if you can, push back your due date to a better time of the month.

Andrew Lisa is a freelance auto writer. He profiles new cars and writes about auto safety. Miss a Car Loan Payment? Follow This Guide

Keep your driving record clean, fight your arizona traffic ticket today!!

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A Step-by-Step Guide to Fighting Speeding Tickets

November 2nd, 2014 by Mediashower
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Is it worth it to get a speeding ticket lawyer if you get a traffic ticket that you either don’t think you deserve or simply don’t want to pay? Can you get out of it by going through the legal system alone? Before you answer either of those questions, follow these tips to get a basic understanding of what it takes to win.

115906883 A Step by Step Guide to Fighting Speeding Tickets
Paying a ticket is usually considered an admission of guilt.

Don’t Pay

In most states, paying a traffic ticket is equal to an admission of guilt. By paying, you’re pleading guilty. You are entitled to a day in court. Take it. Even if you’re convicted, you won’t be charged more than you would have if you had just paid. So, in essence, you literally have nothing to lose.

Reschedule

Postpone your court date as many times as you can. If the citing officer does not show up, you will usually win the case because the accused has a constitutional right to face their accuser. The officer is much more likely to show up on the original date than on rescheduled dates. The reason for this is that, for their own convenience, officers often schedule all their court dates on the same day for every traffic ticket they write.

Consider a Speeding Ticket Lawyer

Depending on the severity of the charge, it may be worth it to hire a traffic ticket attorney. If you’re facing a hefty fine for an egregious violation that will likely result in higher insurance premiums, remember that a speeding ticket attorney is far more qualified to ask the right questions of the officer if he or she does show up.

481308089 A Step by Step Guide to Fighting Speeding Tickets
Officers often set your court date for the day that’s most convenient for them. Reschedule so they’re less likely to show up.

The more you postpone, the less likely it is that the citing officer will show up. If he or she does, you must be prepared to ask questions. Officers will attempt to mitigate any doubt in court by asking questions such as “Do you know why I pulled you over?” or “Do you know how fast you were going?” in an effort to get drivers to admit guilt in the fist place. Say “no” to the first question and politely decline to answer the second question.

Andrew Lisa is a freelance writer who covers auto safety and highway law. He also profiles top content sites such as MediaShower.com. A Step by Step Guide to Fighting Speeding Tickets

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Does Your Vehicle Need All-Terrain Tires?

October 26th, 2014 by Mediashower
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Does your vehicle need all-terrain tires? Before you answer that question, it’s important to answer some basic questions about different kinds of tires, which vehicles and situations demand different tire types, and the pros and cons that come along with each kind of tire.

tires Does Your Vehicle Need All Terrain Tires?
There are different tires for different situations – each comes with benefits and drawbacks.

Types of Tires

There are four main kinds of tires: highway or all-season tires, mud tires, snow tires and all-terrain tires, all of which can be found at shopping and automotive centers such as Walmart. All-terrain tires are designed for improved traction in loose dirt, wet dirt and snow. They were designed as a compromise between highway tires and specialty options like snow and mud tires.

Benefits and Drawbacks

All-terrain tires are not as quiet on the highway as all-season tires, and they aren’t as good in the snow as snow tires or as reliable in the mud as mud tires, but they can handle all terrains fairly well – hence the name. They are fairly quiet and have a good life expectancy as far as wear is concerned. The drawback is that many all-terrain tires may be prone to cupping and need to be rotated frequently. Not only is it not safe, but you can get a traffic ticket for driving a vehicle with worn treads. Most all-terrain tires are rated for 40,000 miles, but you can get higher-end models rated for 50,000 miles.

Who Needs All-Terrain Tires?

If you drive mostly on public roads, stick with all-season highway tires. If you work – or otherwise spend most of your time – in difficult, off-road conditions, you need specialty tires to stay safe and avoid a traffic ticket. All-terrain tires are great for SUVs, if you do what people in SUV commercials do. Do you drive to work on the highway, but stop to go camping on the way home? All-terrain tires are for you!

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Choose a tire that fits the situation you are in most often.

All-terrain tires are a great compromise tire. They’re fairly good in many conditions, but are still quiet and fairly long lasting for typical street driving. If your life is generally mundane but peppered with off-road adventures, go with all-terrain tires.

Andrew Lisa is a freelance auto writer. He covers car insurance and highway safety. Does Your Vehicle Need All Terrain Tires?

Arizona traffic ticket lawyer can save you license from being suspended and keep your record clean!!

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