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Financing Your Used Car

When selecting a lender to finance one’s car, one should conduct or perform some extensive research over the internet. This assists in finding the most suitable lender to obtain a loan. One may use search engines to locate the lenders by keying in their company names. The financing options vary depending on the type of vehicle. The financing options for brand new cars are different from those of used cars. One should acquire value for their money when financing their used vehicles. A car begins to depreciate the moment a person purchases it and commences to drive it. There are three main options that a person has when planning to finance their vehicle.

They include contract plans, used-car loans and hire purchase. Hire purchase is a traditional means, which aids in spreading the costs thus easing the payment process. When selecting hire purchase as a means of financing one’s used car, one should budget accordingly to accommodate the monthly fees that the seller may deduct until the agreed period is over. Hire purchase is the most popular, mainly because the initial deposit is quite low. Compared to contract plans and used-car loans, this means is cheaper in terms of the payable interest. One may also negotiate the interest rates with the seller in order to obtain the best financing deal.

Contract plans require the buyer to deposit some money as a way of securing the car for purchase. After paying the deposits, the seller deducts the agreed monthly installments from the buyers account. After completing the monthly payments, one has the option of maintaining the vehicle while under the sellers care, or one may make a balloon payment. When a buyer makes a balloon payment, it means that they obtain full ownership of the vehicle. Contract plans have lower monthly fees, as compared to the hire purchase method of financing one’s used car. When one fails to meet the monthly payments of both the contract plans and hire purchase means, it means that the seller reserves the right to repossess the vehicle. Therefore, people should organize themselves financially before purchasing a used car.

Alternatively, one may obtain a loan from their bank as a means of financing the used vehicle that one intends to purchase. The benefit of obtaining a car loan is that it secures the vehicle therefore, meaning that the seller cannot repossess the said vehicle. Bank car-loans have competitive rates and this ensures that their customers have various repayment options. They are also easy to manage and organize, in terms of finances and this makes it an efficient means of financing one’s vehicle. Once a person obtains a bank loan, they may fully purchase the car, by making balloon payments. The bank deducts money from their customers account depending on the agreed interest rates. The buyers may sell the car before completing the loan payments and accomplish something else with the money. When looking for a suitable lender to finance a used car, one should compare the rates and benefits before selecting a particular means.

Daily Fitness Tips From Wanitha Ashok – Bangalore Fitness

A busy schedule, a working lunch and hours spent sitting in front of the computer can all wreck havoc with your health. Worried that you don’t have the Wanitha Ashok – Bangaloretime to join a gym and follow a fitness regimen? Fitness expert Wanitha Ashok says you can sneak in exercise into your daily routine with a little bit of determination. A certified aerobic instructor from Reebok and Aerobic Fitness Association of America (AFFA), Wanitha is an expert in Step aerobics, Pilates, Stability ball, Spinning and Kick Boxing and also does talk shows on nutrition and fitness in Kannada TV channels. She tells us why it is important to make time for a fitness routine in your daily life.

Brisk walking for 40 minutes is one of the best and simplest of exercises. You don’t have to join a gym for it. Just make some time in the morning or evening.

If your work involves being deskbound the whole day, get up and walk around in between to stretch your muscles. Walk up to your colleagues and talk to them instead of discussing problems and matters over the phone or email.

If your office or residence is on a higher floor and you must use the lift, get off two or three floors (depending on your capacity) ahead of your destination and walk up. Increase the distance as you progress. You can slowly start doing variations like taking the stairs two at a time, speeding up, doing lunges etc.

After lunch hour at work, take a walk around the building or terrace.
Sitting in the right posture is very important for those on a desk job. Try to learn some simple stretching exercises that you can perform at your desk.

Food in the office canteen can often be oily and heavy, leading to problems like weight gain. Watch what you are eating. Cut down on refined foods and sweets, as these tend to be calorie-filled and make you hungry sooner. Make the right food choices. Instead of a gravy dish and rice, have dal, roti and a light vegetable dish, if available. If you are having sandwiches, try to opt for whole wheat bread if available.

Make time for breakfast in the morning, no matter how rushed you are. Try to have four or five small meals during the day. Never skip meals. You will just lose muscles.

If you can’t spare 40 minutes at a stretch for a workout on a weekday, you can even do small exercises throughout the day for a few minutes each. For example, skip rope in the morning for five minutes. Jog when you can spare the time later in the day for a few minutes. Together, it will make a difference.

Exercising for three to five days a week is ideal with 40 minutes of cardio and three days of strength training. If you are too busy for that, make time for a proper workout session over the weekend. Ensure that you have at least an hour-long exclusive workout. If you are joining a gym, ensure that it has a reputation of excellence and proper certification. If you have a gym in the building with an independent trainer, make sure that she or he is properly certified. You can always ask to see their certification.

Bored of your aerobic routine? Try variations like Kickboxing or Tai Chi as that’s always good. Pick a high intensity workout if you want to burn more calories.

Don’t workout only to lose weight. Work out to stay fit.

There are several passive workout machines in the market. These are mostly a waste of money as they don’t give you a cardio workout.

Several homemakers believe that they get enough exercise simply by chasing the kid around or doing housework. This is completely wrong. The components of a proper workout routine are Cardio, Strength Training, Flexibility, Body composition and Neuro-muscular integration, which decreases with age. Your workout routine needs to address all of these.

Whether you are taking the stairs instead of the lift, jogging around your building or skipping at home, always wear the right footwear.

Do you have any questions for Wanitha about fitness? Post a comment and we will get it answered.

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