Hi, Bruce:
On 3/6/06 I printed out a 7 page article about Preserve-A-Shine from your website entitled "Your Car Looks New---What's Your Secret?"... Our car is 8 yrs. old this month and thanks to your tips, people are surprised at its age. If you still have it, could you please email another copy I want to share your tips with our kids. Thanks!!
Blessings,
Joetta
============
Hi Joetta!
Thanks for sharing your "Praise Report"! Enclosed is a link to the latest newsletter for your children which includes a reprint of that article.
Thursday, September 25, 2008
Saturday, September 20, 2008
Keep your old clunker or buy a new car?
It may clang and bang, but your despised old car may be the best bargain around.
(Article reviewed by Christian Car Buying Ministry (CCBM)for this BLOG. Written by Des Toups published in MSN Autos)
Let's divide the car-buying universe into two camps: those who keep a car until it drops, and those who think a new car will change their lives.
To the first, a round of applause. There's nothing short of the bus that's cheaper than keeping a car until it crumbles into a pile of rust. Almost any car can be nursed to 200,000 miles without endangering your life, and even a new engine is cheaper than all but the cheapest used cars.
To the second, another round of applause, because the 16 million or so new cars they buy every year instantly become used cars soon available at a considerable discount to those in Camp 1. And a moment of silence, because a new car will change their lives in ways they never foresaw on the dealer's lot.
If you're in a drive-until-the-muffler-is-dragging wannabe, read on. We'll look at ways to keep your car on the road longer and realistically weigh the costs of upgrading.
I'd love to keep my old car, but … It no longer fits my life. You may have taken up gardening in a big way but still own a Corvette. You may feel nervous about taking your '78 Ford on a trip to Colorado. Your little Accord may be a tight squeeze when
family comes to town. The answer to all: Rent. Why buy a gas-sucking pickup because you visit Home Depot twice a year or a $30,000 sport-utility because you take the kids skiing for a week at Easter? Even at $100 a weekend, renting is far cheaper than a car payment. Plus you get to drive the very latest without worrying about insurance, license tags, maintenance or depreciation. Or try swapping cars with a friend, returning it gassed-up and clean (with the oil changed, too, if the loan was more than a day or two. You want to be able to ask again next year.).
Those repair bills are really adding up. Then do the math. Does the cost of repairs exceed the cost of a new car? A typical new car is $21,000, about $350 a month for five years after 20% down. A rebuilt transmission might run $1,500, a huge outlay in one chunk, but far less than the $4,200 a year you'd spend on new-car payments alone. If you can't afford repairs twice a year, it's unlikely you can afford a new car payment every month. In any case, anybody with a car older than three years should be tucking aside $50 a month for repairs and maintenance. If the gods smile, you'll never use most of it and you'll have a tidy sum to blow on your next car.
I'm nervous driving an older car. Maybe little things are beginning to go: a new thermostat one month, a starter the next. You might simply spend $50 on a AAA membership and carry a cell phone, reminding yourself that even new cars aren't immune to mechanical failure. The upside of frequent breakdowns is that you'll get to know mechanics quite well. Find one you like. Flatter him. Pay your bills on time. And the next time he fixes your car, ask him to take a few minutes to see what else will need repair soon.
The repair costs more than the car is worth. A $1,500 engine rebuild that keeps your '83 Toyota on the road still makes good financial sense. It's at this point, however, that all but the flintiest drivers begin to think about upgrading.
Am I ready for a newer car?
Your first step is to do nothing except write a check to yourself in the amount you're thinking you can afford every month. Put aside a car payment every month for three months (long enough for at least one of life's little emergencies to crop up).
To pass the time, make three phone calls: one to your bank, to find out what kind of rates they charge on loans to people with your credit history; one to your insurer, to ask the rates for comprehensive insurance on a model you think you'd like to buy; and one to your local DMV, to see what registration and licensing would cost.
At the end of three months, ask yourself these questions:
How much did it hurt? If you skimped at all on other bills or shorted the amount of the payment, you're not ready.
Would I have enough left over to pay for insurance and licensing fees each year?
Would I pay this much every month for the car that's in my driveway already? Sooner or later, every new car becomes an old car, and you'll feel about the next car just the way you do about your old clunker.
Would I rather have the cash? Our typical car payment, $350, adds up to more than $1,000 in just three short months. Perhaps you'd prefer to get a tan in Mexico and limp along with ol' Betsy another year.
Could I continue to save for another year and simply pay cash? Five grand would buy any of hundreds of reliable used models. Save for two years and you're in new-car territory, if your old car will fetch a few thousand.
If the craving for a shinier car hasn't passed in three months, at least you begin the shopping process with a few months' worth of car payments and a more realistic idea of the hit your wallet will take.
Side note: Never skimp on maintenance
Pay special attention to the things that will cost you a fortune if they break. That means regular oil changes, tire rotations and transmission tune-ups, even if the car is running fine. Timing belts, for example, are spendy at as much as $600, and replacing one for no other reason than that the odometer has turned 90,000 miles might seem wasteful. But let one break and you'll find that repairing bent valves could cost you three times that. Replacing torn CV boots, those plastic housings that keep grime and grit out of the car's constant-velocity joints, costs about a third as much as a CV joint repair. (If your owner's manual is long gone, MSN Autos has a free online service, My Car, that tracks your car's service schedule.)
If you still have questions or you wish to talk to someone about your decision click here to request a FREE consultation with our car buying experts. We're here to serve you.
(Article reviewed by Christian Car Buying Ministry (CCBM)for this BLOG. Written by Des Toups published in MSN Autos)
Let's divide the car-buying universe into two camps: those who keep a car until it drops, and those who think a new car will change their lives.
To the first, a round of applause. There's nothing short of the bus that's cheaper than keeping a car until it crumbles into a pile of rust. Almost any car can be nursed to 200,000 miles without endangering your life, and even a new engine is cheaper than all but the cheapest used cars.
To the second, another round of applause, because the 16 million or so new cars they buy every year instantly become used cars soon available at a considerable discount to those in Camp 1. And a moment of silence, because a new car will change their lives in ways they never foresaw on the dealer's lot.
If you're in a drive-until-the-muffler-is-dragging wannabe, read on. We'll look at ways to keep your car on the road longer and realistically weigh the costs of upgrading.
I'd love to keep my old car, but … It no longer fits my life. You may have taken up gardening in a big way but still own a Corvette. You may feel nervous about taking your '78 Ford on a trip to Colorado. Your little Accord may be a tight squeeze when
family comes to town. The answer to all: Rent. Why buy a gas-sucking pickup because you visit Home Depot twice a year or a $30,000 sport-utility because you take the kids skiing for a week at Easter? Even at $100 a weekend, renting is far cheaper than a car payment. Plus you get to drive the very latest without worrying about insurance, license tags, maintenance or depreciation. Or try swapping cars with a friend, returning it gassed-up and clean (with the oil changed, too, if the loan was more than a day or two. You want to be able to ask again next year.).
Those repair bills are really adding up. Then do the math. Does the cost of repairs exceed the cost of a new car? A typical new car is $21,000, about $350 a month for five years after 20% down. A rebuilt transmission might run $1,500, a huge outlay in one chunk, but far less than the $4,200 a year you'd spend on new-car payments alone. If you can't afford repairs twice a year, it's unlikely you can afford a new car payment every month. In any case, anybody with a car older than three years should be tucking aside $50 a month for repairs and maintenance. If the gods smile, you'll never use most of it and you'll have a tidy sum to blow on your next car.
I'm nervous driving an older car. Maybe little things are beginning to go: a new thermostat one month, a starter the next. You might simply spend $50 on a AAA membership and carry a cell phone, reminding yourself that even new cars aren't immune to mechanical failure. The upside of frequent breakdowns is that you'll get to know mechanics quite well. Find one you like. Flatter him. Pay your bills on time. And the next time he fixes your car, ask him to take a few minutes to see what else will need repair soon.
The repair costs more than the car is worth. A $1,500 engine rebuild that keeps your '83 Toyota on the road still makes good financial sense. It's at this point, however, that all but the flintiest drivers begin to think about upgrading.
Am I ready for a newer car?
Your first step is to do nothing except write a check to yourself in the amount you're thinking you can afford every month. Put aside a car payment every month for three months (long enough for at least one of life's little emergencies to crop up).
To pass the time, make three phone calls: one to your bank, to find out what kind of rates they charge on loans to people with your credit history; one to your insurer, to ask the rates for comprehensive insurance on a model you think you'd like to buy; and one to your local DMV, to see what registration and licensing would cost.
At the end of three months, ask yourself these questions:
How much did it hurt? If you skimped at all on other bills or shorted the amount of the payment, you're not ready.
Would I have enough left over to pay for insurance and licensing fees each year?
Would I pay this much every month for the car that's in my driveway already? Sooner or later, every new car becomes an old car, and you'll feel about the next car just the way you do about your old clunker.
Would I rather have the cash? Our typical car payment, $350, adds up to more than $1,000 in just three short months. Perhaps you'd prefer to get a tan in Mexico and limp along with ol' Betsy another year.
Could I continue to save for another year and simply pay cash? Five grand would buy any of hundreds of reliable used models. Save for two years and you're in new-car territory, if your old car will fetch a few thousand.
If the craving for a shinier car hasn't passed in three months, at least you begin the shopping process with a few months' worth of car payments and a more realistic idea of the hit your wallet will take.
Side note: Never skimp on maintenance
Pay special attention to the things that will cost you a fortune if they break. That means regular oil changes, tire rotations and transmission tune-ups, even if the car is running fine. Timing belts, for example, are spendy at as much as $600, and replacing one for no other reason than that the odometer has turned 90,000 miles might seem wasteful. But let one break and you'll find that repairing bent valves could cost you three times that. Replacing torn CV boots, those plastic housings that keep grime and grit out of the car's constant-velocity joints, costs about a third as much as a CV joint repair. (If your owner's manual is long gone, MSN Autos has a free online service, My Car, that tracks your car's service schedule.)
If you still have questions or you wish to talk to someone about your decision click here to request a FREE consultation with our car buying experts. We're here to serve you.
Friday, September 12, 2008
Remote Entry Car Keys! Security Tool for home intrusion
Remote Entry Car Keys! Useful for any emergency, such as a heart attack, where you can't reach a phone (1 hits)
PUT YOUR CAR KEYS BESIDE YOUR BED AT NIGHT
Tell your spouse, your children, your grandchildren, your parents, your neighbors, your Dr's Office, the check out Girl at the market, everyone you run across.
Put your car keys beside your bed at night. If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car. The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies.
This tip came from a neighborhood watch coordinator. Next time you come home for the night and you start to put your keys away, think of this:
It's a security alarm system that you probably already have and requires no installation. Test it. It will go off from most >everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the key fob chain.
It works if you park in your driveway or garage If your car alarm goes off when someone is trying to break in your house, odds are the burglar rapist won't stick around... after a few seconds all the neighbors will be looking out their windows to see who is out there and sure enough the criminal would not want that. And remember to carry your keys while walking to your car in a parking >lot. The alarm can work the same way there.....
This is something that should really be shared with everyone. Maybe it could save a life or a sexual abuse crime.
P.S. I am sending this to everyone I know beca use I think it is fantastic. Would also be useful for any emergency, such as a heart attack, where you can't reach a phone.
My Mom has suggested to my Dad that he carries his car keys with him in case he falls outside and she doesn't hear him. He can activate the car alarm from anywhere in the yard and then she'll >know there's a problem.
Special Thanks to Janice Solomon for sharing this tip!
PUT YOUR CAR KEYS BESIDE YOUR BED AT NIGHT
Tell your spouse, your children, your grandchildren, your parents, your neighbors, your Dr's Office, the check out Girl at the market, everyone you run across.
Put your car keys beside your bed at night. If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car. The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies.
This tip came from a neighborhood watch coordinator. Next time you come home for the night and you start to put your keys away, think of this:
It's a security alarm system that you probably already have and requires no installation. Test it. It will go off from most >everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the key fob chain.
It works if you park in your driveway or garage If your car alarm goes off when someone is trying to break in your house, odds are the burglar rapist won't stick around... after a few seconds all the neighbors will be looking out their windows to see who is out there and sure enough the criminal would not want that. And remember to carry your keys while walking to your car in a parking >lot. The alarm can work the same way there.....
This is something that should really be shared with everyone. Maybe it could save a life or a sexual abuse crime.
P.S. I am sending this to everyone I know beca use I think it is fantastic. Would also be useful for any emergency, such as a heart attack, where you can't reach a phone.
My Mom has suggested to my Dad that he carries his car keys with him in case he falls outside and she doesn't hear him. He can activate the car alarm from anywhere in the yard and then she'll >know there's a problem.
Special Thanks to Janice Solomon for sharing this tip!
Sunday, September 7, 2008
Client Praise Report
Hi Bruce! Yes this is a praise report. I'd like to thank you so much for your advice to me when I was overwhelmed with the process of buying a new to me used vehicle. Your advice was so informative and I felt like you really cared about me and my situation. Your ministry is so helpful and was the perfect thing for me. I'd be happy to recommend your service to anyone. I call my car GLAM for God's little amazing miracle! I did go with the Pontiac G-5 that I found on Craig's list. It has been a really good car so far and I'm sure God will continue to take good care of me.
Thank you again for all of your help and concern!
Sincerely,
Arianna
Thank you again for all of your help and concern!
Sincerely,
Arianna
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