Used Vehicles Calgary

6 Things to Watch for To Spot an Unscrupulous Car Dealer

Purchasing an automobile usually represents making a major financial investment. Although the majority of car sellers featuring used vehicles on their lot act with integrity and want an honest win-win situation for both seller and buyer, there are enough scam artists out there who are unscrupulous car sellers. Here are six things to watch out for in order to spot an unscrupulous car seller, meaning you need to run, not walk, in the opposite direction.

(1) Telling white lies that make you feel pressured to buy. An unscrupulous car seller immediately makes you feel pressured to make a purchase decision before you have a real chance to get your questions answered and really investigate all the pros and cons of the vehicle. If a seller insists that the pricing is only a one-day special, cautions you that somebody else has already expressed interest in the car, or that the vehicle’s color is the only one available, you are most likely dealing with an unscrupulous car salesman who simply wants you to sign a purchase contract without knowing what you are getting into.

(2) Bait and Switch Tactics: If a car dealer advertises a special promotion and it’s already gone by the time you arrive, it’s likely that special car price never even existed and they merely want to get you into their dealership to sell you another much higher-priced vehicle.

Used Vehicles Calgary

(3) Focusing on Low Monthly Payments: Beware if a car seller specializing in used cars Calgary hammers away at the low monthly payment rather than the full price you’ll be paying for the vehicle.

(4) Figures in the Paperwork that Don’t Match What Was Promised: An unscrupulous car seller may verbally promise you one thing and put entirely different terms in the written contract, so be sure to read every line of paperwork before you sign.

(5) Hiding the Vehicle’s History: An unscrupulous car seller may fiddle with the odometer or “wash the title”, meaning they hide the fact that the vehicle was involved in an accident or flooding disaster and reconditioned, making it an unsafe vehicle to purchase at any price.

(6) Yo-Yo Financing: An unscrupulous car seller may agree to a certain car loan rate, then call the buyer a few days later after he is already enjoying the car, insisting the original deal fell through and pressuring him to accept higher financing terms. It’s smart to have car loan financing in place before negotiating a car’s price at a used cars Calgary lot.

photo by: jamesmixon84

Canadian War Museum

Free and Affordable Attractions in Ottawa

This is a sponsored post of viarail.ca

Known as Canada’s capital region, the city of Ottawa is a beautiful place to visit. Whether you’re traveling with the family, as a couple, for a long weekend getaway or for a week-long escape, there are lots of things to see and do here that you will not find elsewhere within the country. When searching for what to do in Ottawa, you may be interested in activities that will not burn a hole in your pocket. Luckily, Ottawa is home to a number of different attractions that are either free or very budget-friendly. Now you can make the most out of your travels to Ottawa by checking out these top 5 affordable activities and destinations.

Canadian War Museum

Canadian War Museum
This free spot to visit on Thursdays after 5 p.m is by far one of the most popular attractions within the city of Ottawa. At this famous museum, you will have the opportunity to learn about the wars and history that have taken place throughout Canada through unique exhibits and permanent collections that feature rare artifacts and memorable pieces of history.

Parliament Hill
Parliament Hill is a well-known spot in Ottawa that many visit when traveling to the area. This beautiful and unique parliament buildings can be toured for free, giving you lots to see and explore while making your way through each individual building. The Memorial Chamber, Peace Tower and Centre Block are just a few spots that are available to tour.

Parliament Hill

Ice Skating
If visiting Ottawa during the winter months, you may be interested in heading out onto the ice. The Rideau Canal, usually a peaceful waterway during the warm seasons, transforms into the longest ice rink in the entire world during the winter. Bring your skates and make your way onto the ice at absolutely no cost for this authentic Canadian experience.

ASP Gallery
Free daily admission is available to the ASP Gallery. This art gallery is run by the city of Ottawa and brings beautiful works of art to the public eye. Exhibitions feature the works of local artists and change regularly to bring visitors a brand new experience each time that they visit.

Ice Skating

The Science and Technology Museum
On select days throughout the year, The Science and Technology Museum offers free admission to their facility. This top museum features unique exhibits themed around astronomy and even offers fun activities such as stargazing through their telescope.

Photos By: AMICHAELMURRAY, GrenFor & rmcd42

mercedes c class

Buying vs Leasing a Luxury Car

This is a sponsored post of mercedes c class dealer

Luxury cars provide an exciting combination of comfort, safety, performance, and technological innovation. They are also some of the most expensive cars on the market and a big financial investment. If you want to drive a luxury car, you can either lease or buy it. Both options have their advantages and disadvantages.

mercedes c class coupe

If you always want to drive the latest model luxury car, then leasing is definitely the better option for you. It’s much more convenient to trade in a lease every few years than buy a new car. Also, a newer car is less likely to break down, so you won’t have to deal with hassle of repairs.

Leasing can also save you money if you want a new car every two or three years. One of most appealing parts of buying a house is that it increases in value over time, but this isn’t the case with a car. A car you buy depreciates in value as soon as you drive it off the lot. The longer you drive a car, the more the value goes down. This is even true for high-class luxury cars. When you lease a car, you won’t have to worry how much money you’ll lose on it because you pay a set monthly fee.

mercedes c class

There are also some major disadvantages to leasing. Even though you don’t own the car, you’re financially responsible for repairs. If you get into an accident and total the car, you’ll still need to make the lease payments. When someone totals a car they own, insurance helps them buy a new one.

If you drive a lot for work, than buying a car may be a smarter choice for you. Most leases have yearly mileage limits. These limits are usually between 10,000 and 20,000 miles, so, if you drive more than that, leasing isn’t a good idea. Exceeding your limit will cost you an expensive penalty fee.

mercedes c

Another advantages to buying a luxury car is that you own it outright once the loan is paid. You can claim the car as an asset, and you can sell it for cash if you need to. You’ll also be able to make any modifications to it that you want.

The Mercedes C class is one of the most popular luxury cars available. If you’re looking to lease of buy one, see you Mercedes C Class dealer for more information.

Photos By: wicked_obvious, pedrosimoes7 & Infoway – Web Development Company

buying a chevy car

The Best Financial Tips to Follow When Buying a Car in 2013

Whether you’re buying a Chevy car or are looking for another make and model, it is incredibly exciting to be shopping for a brand new vehicle. One thing that may not be as exciting is the financial issues that could arise as a result of a new payment being added to your already-immense pile of bills. Thankfully, there are several different financial options that are available to you. By utilizing these helpful financial tips, you will find that it is easier and a lot less stressful to buy a brand new car in the year 2013.

2013 Chevrolet Cars

One thing that comes into play when you’re buying a new car is the loan you’ll be taking out. One way to decrease the amount taken out on the loan is to pay off a good majority of the car in full on the day you buy it. You can do this by using a savings account that you’ve been working on for several years. The amount of money in your savings account may just be enough so that you do not have to take out a significant loan to pay for the car. Once you put down a good down payment, it is time to find and apply for the right type of loan.

buying a chevy car

Applying for a loan can be a nightmare, but one tip that you should utilize is to look for your own loan ahead of time and to avoid taking out a loan with the car dealership itself. Car dealerships often give you any loan that you happen to be approved for, regardless of interest rates or other applicable fees. Use the Internet to your advantage so that you can look closely at different loans and the interest rates that happen to be attached to them. A low interest rate will generally make the car easier for you to afford in the upcoming months or years.

Tips to Follow When Buying a Car in 2013

One of the best financial tips you can follow when buying a car in the new year is to look around and do your homework on different cars. You do not have to spend a fortune to get a great quality car that is going to last for years to come. Look at different makes and models as well as the price tags attached to each. Being able to afford the car easily will be a lot more worthwhile than having an expensive car that is literally draining your wallet.

Royal Blue Pearl CR-V

Pay Debt Collectors without Borrowing More Money

Regardless of the type of debt owed, creditors have a right to sell it to debt collectors if the debtor neglects making regular payments on the debt. Debt collectors buy debts from creditors and collect the debts themselves. They have various tools they can use to convince debtors to pay including lawsuits, credit damage and annoying calls. Debtors who decide to pay their debts should do so properly. Paying debts reduces damage to a person’s credit score and makes the debts disappear for good.

Honda CRV

• Request the debt collector for a debt validation. This should be made in writing. An individual should request the validation once they find out about the debt. By law, collectors are not to start their collection activity until the consumer is given 30 days to dispute the validity of their debt. The validation helps individuals not to fall victim to collection frauds. There is no standard specification for what constitutes a legal debt validation. Debtors can receive anything from printouts to copies of legal judgments.

• Request the debt collector not to sell a forgiven balance of the debt to another debt collector. For instance, if a person owes $1000 and the debt collector agrees to take $600, the debtor should get an assurance that the remaining $400 will not be sold to another debt collector.

• Before making the payment, ask the debt collector to send the terms of agreement. This will compel the debt collector to adhere to the agreement.

• Make payments on time and by money order. Do not allow the debt collector access to one’s bank account.

• Ask the debt collector to send a zero balance statement once the account is fully paid. The zero balance statement will act as proof of payment if another collector attempts to collect the same debt.

Royal Blue Pearl CR-V

Check the laws regarding debt repayment before negotiating with a debt collector to pay the debt. For example, before negotiating with a debt collector taking your Honda CRV, check the statute of limitations on payment of a car debt. Debtors are not legally obligated to pay a debt if the statute of limitations on the debt has expired.

Call the debt collector at the end of the month when they are trying to meet their monthly quotas. They may be willing to settle for less than they usually do just to meet their quota.

moto credit

How to finance a motorcycle buying

A lot of different men and women might want to purchase a motorcycle. However, their credit score may not be the best credit score that is needed in order to apply for moto credit. For example, you might have a repossession, bankruptcy or late payments in your credit history. Fortunately, there are a few things that you can do in order to increase your chances of being approved for a loan to purchase a motorcycle. You have a chance of obtaining a motorcycle even if you have bad credit. It is important for you to remember that thinking smart and managing your finances can help you do things the right way.

Finance Your Motorcycle

Raising Your Credit Score

Before you apply for a moto credit account, it is important for you to raise your credit score as high as you can possibly get it. If you have bad credit, you might want to consider obtaining a credit card that can help you raise your credit for a little while. You should also remember to make sure that you do not have bad credit due to any errors that may have found its way to your credit report. You can obtain a copy of your credit report from any of the three major credit bureaus. In fact, it is possible for you to obtain a free copy from each main credit bureau each year. Once you have obtained a credit report you need to look through it and jot down anything that might seem wrong to you. If you have found any items on your credit report that are wrong you have the right to dispute these errors.

moto credit

Having a Down Payment

While you are working on your credit score, it might be a good idea for you to start saving money for a down payment. If you have bad credit, it is a better idea for you to save money for a sizeable down payment before you apply for moto credit. This can help you save money on the motorcycle loan. Smaller loan amounts feature smaller interest rates. This can help men and women with bad credit save a lot of money. Lenders normally charge higher interest rates to men and women who have bad credit. If you have a large down payment, you might be able to get your loan easier as well. This is because lenders prefer to offer smaller loans to borrowers with bad credit. This offers less risk to the lender.

Subaru Impreza Car Insurance

Do You Pay More for Sports Car Insurance?

Nothing is more exciting in the automotive world than sports cars. The perfect sports car is fun to drive, with pinpoint handling and exhilarating acceleration. Legendary sports car models have been worshiped by generations of car enthusiasts. People who love cars love sports cars. Alas, few great things come without strings attached. The ownership costs involved with owning some sports cars includes steep insurance premiums. Research all you can about sports cars before delving into buying one. Your pocketbook will surely thank you later.

Subaru Impreza Car Insurance

No one can be entirely sure of the way actuaries at insurance companies calculate each individual premium quote. However, we do have quite a bit of information on the process. Insurance rates are based on many factors. Some of these have to do with a driver’s age and driving record. Each specific car comes with its own set of variables that play into a prospective insurance quote. Does the car have two doors or four? Vehicles with four doors tend to come with lower insurance rates, as they tend to be driven more conservatively. How many cylinders does the engine have? Again, a car with eight cylinders will be more expensive to insure than a car with four cylinders, as the vehicle with more displacement has more potential for high-risk driving. Funnily enough, car color plays into insurance rates. Red cars are more expensive to insure than white cars, for example. Research has shown that bold, risk-taking drivers prefer bold car colors.

Ride on Your Subaru Impreza Without Worrying about Insurance

There are many great things about owning a Subaru Impreza. Suburu’s fantastic warranty and reputation for reliability come to mind of course. Additionally, if you are looking for a sporty car that won’t break the bank when the insurance bill comes, you must consider an Impreza. A four door Impreza with a four cylinder engine in a conservative color will not be exorbitantly expensive to insure. Yet you will reap all the benefits of driving a top-of-the-line driving machine that was built for handling and performance. Talk to a Suburu representative today and make Suburu ownership a reality. They’re recommended by driving aficionados and can be insured reasonably. So, you can get your Subaru Impreza car insurance deal without worrying about the insurance expenses.

photos by: MSVG & exfordy
Save on Your New Car Insurance for Honda CRV

Saving on New Car Insurance When You Own Another Car

Car ownership is one of the purest pleasures you’ll ever experience. Every morning when you wake for work, you can look forward to sitting in the safe cabin of your automobile. The happiness you will enjoy with the cars you own throughout your life is boundless. The vacations you take by car will be pleasurable. The car is a thing of beauty, and caring for it can be a great source of enjoyment. The act of driving itself may be the best part of owing a car. Many people derive a great sense of joy from the act of driving. Remember that it is important to have quality car insurance for your automobiles. Accidents can happen. You and your investments should be well protected. An experienced driver with a few different cars can take advantage of their situation and get preferable insurance rates.

Get Your Honda CRV Car Insurance Today

Let’s say you own more than one car. In fact, let’s say you own three. You have a variety of options when purchasing auto insurance. You can insure all three at once. Depending on if you have multiple drivers in your household, this may be the most practical option. When you insure more than one car, the additional cars you insure are proportionally cheaper to cover than the first. You are getting a better deal right off the bat than the owner of one car. Now let’s say you would like to remove the insurance from certain cars at certain times of the year. Perhaps you own a convertible that you only use during the summer months. You can remove the convertible’s insurance coverage for 75% of the year and save a bit of money.

Save on Your New Car Insurance for Honda CRV

Your Honda CRV car insurance may be the only car insurance that you pay. If so, rest assured you made a fantastic choice in purchasing a CRV in the first place. If you are thinking of purchasing additional vehicles, remember that as a sensible shopper can find reasonable insurance rates for whatever you buy. It very well may be that owning multiple vehicles is vastly more practical than owning just one. It may be the case that you have a vehicle that is purely for pleasure. Whatever the case, shop around and find the best insurance plan for your fleet of cars.

photos by: gvgoebel & gvgoebel
Mazda 3

Top Tips to Find Affordable Insurance for Your New Car

It is the law that if you wish to drive, you must have car insurance. However, it can seem quite impossible to find affordable insurance for your new Mazda 3, especially if you have a history of traffic violations. There are some ways to find coverage that will fit into your budget though, and the following tips can help you do just that.

Mazda 3

Locate Some Local Insurance Providers

The first step to finding affordable insurance for your new car is locating some local insurance providers. Of course, you can look in your local yellow pages if you wish. However, it is much easier to go online and make use of a car insurance comparison website.

These websites can help you find insurance companies in your local area when you provide them with some basic information about yourself and your vehicle. When you are presented with a list of providers in your area, you can then go on to contact them and compare such things as their rates, coverage and discounts.

Look for Discounts

One of the best ways to find cheap auto insurance is to look for any discounts that insurance companies may offer. Many companies offer significant discounts that you may qualify for. While these discounts may vary from one provider to another, some of the most common ones include new clients, excellent drivers, excellent students and safe driving courses.

Get Insurance Tips for Your Mazda

You may also qualify for a discount if you have have airbags or a security system installed in your vehicle. Some insurance providers offer discounts to senior citizens, policemen, firemen and various other professional persons as well. Finally, if you belong to a charitable or community organization, you may be eligible for lower rates.

Opt for a Higher Deductible

Another great way to save money on your car insurance is to choose a higher deductible. Before you choose this option though, you need to think about all of the pros and cons first. First of all, when you choose a higher deductible, your monthly premiums will be significantly lower.

Mazda Race Car Insurance

However, you will have to pay more of your own cash should you happen to become involved in an accident. Thus, as you can see, this option is purely a matter of choice. Ask yourself if you want to save money each month, or if you would rather save money in the event of an accident. When you follow all of these useful tips, you are sure to find insurance for your Mazda 3 that will fit into your budget.

Dodge

Insure Your Car When Traveling Out of Canada

If you want to be part of modern society, you must do some things that are perhaps unnatural. Purchasing insurance is one of those things. Particularly when venturing into another country, nothing should be left to chance. When traveling out of the country, your car is your lifeline back home. It is important to have reputable insurance when at home. When beyond the confines of home, it is doubly more important. Accidents are never planned for. Find the right insurance now, before your trip. It will save you much heartache down the line.

When on an international trip, you are obviously not on your turf. You need to be especially cautious when exposed to a whole new set of customs and laws. If you happen to be hassled by unscrupulous police, or find yourself mired in an auto accident, the right insurance can be your best way out of a jam. Additionally, the peace of mind you will have with insurance on a trip will make everything all the more pleasurable. Canada is one of the friendliest places on earth. Your travels will make evident that other places are not nearly so hospitable.

Dodge Calgary Insurance

Calgary is a beautiful place, and home to some of the best and brightest the Western World has to offer. Do Calgary proud and be a responsible citizen. Sign up for the proper insurance before traveling internationally. Even if you come home without incident, you will know you have done the right thing in protecting yourself. Your livelihood is too valuable to be threatened by troubles in a foreign land. Just remember: the right insurance for Calgary is not necessarily the right insurance for other countries.

Dodge Insurance

Your local Dodge Calgar Dealerships have the right insurance solution for you. Consult your trusted dealer as soon as you can before your international departure. They have the experience and wide range of options necessary to make your trip a success. You deserve all the success that is to be had in this world. Protect yourself and your loved ones on your coming international trip. It’s one thing you won’t regret.

photos by: Sids1 & racin jason
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