Car Tuning,Car Finance,Auto Loans

Archive for November, 2009

Because most people don’t have cash to buy new cars, it is often a choice between leasing and using an auto loan. We will further analyze the benefits of each type of car finance option. The choice that you make will heavily affect your income over the next years. The first thing you should realize is that the decision of buying with cash or lease doesn’t involve just the money aspect, but the time aspect as well.

The car finance option you choose depends on the importance you give to owning a new car. If you value having the latest models on the market, then this will justify spending more money on this privilege. If your view of a car is orientated towards transportation and comfort (you want a car for practical reasons), then owning the newest model should take a few steps back on your priority list. You should think about these facts first and then consider the more tangible issues of car finance options.

The car finance deal that you are going to make starts when the salesperson asks you what kind of car finance option you want to use. Your answer can be one of the following: buy the car, lease the car or pay cash for the car.

If you want to buy the car, the dealer will ask you to fill in a credit application based on your credit scores. An auto loan will be arranged through the dealership. This car finance option usually is a 36-60 month endeavor. The longer the time the lower the payments will be. The amount of money you pay for this car finance option depends on your interest rate, down payment and total sum of loan. Also be careful, as the dealer will want you to make a large down payment. This car finance deal is based on the fact that, until you pay for the vehicle, the lending institution will own the car. The car’s ownership papers will be sent to you after all payments have been made.

There are some important aspects about car leasing that make it attractive to customers, such as: low monthly payments, low down payments and low maintenance costs. The main advantage is that a customer will get a car without giving too much money at once. The monthly payments are kept at a low level, lower than buying car with an auto loan. Another benefit of this car finance option is that the car will have a 3 year warranty and will be covered for mechanical failure during this period. As you can see by now, this looks very attractive and affordable by anyone, but there is a slight disadvantage (the same as in the case of a loan). You will have car payments until the entire sum of the car is paid. Only when you do this, the car will finally be yours.

From this point on the car finance deal will be over and if you have to begin leasing again the assumed responsibility of payment rates will last a long period of time again. The conclusion is that this car finance option (using the leasing method) is more expensive on a long term. Car leasing is actually the most expensive way to go, but those who favor it point out that over a 10 year period this car finance method is the best the average income customer can support.

If you are interested in leasing, this car finance option has some variations. All auto leases allow you to drive the car for a limited number of miles per year. The more you drive, the higher your payments will be. However, if you come to think of it, you save money in the long run. The contract will contain a residual price for the car, which you will pay at the end of the lease as the car passes into your possession. Be careful because this is the riskiest car finance deal of them all!

If you decide to pay cash for the car the transaction everything will be very simple. This is the most favorable car finance deal if your income can support such a large transaction. Negotiating with the dealer will most likely make this car finance option even more attractive. Choose wisely as every car finance offer has its own ups and downs, and every car finance company will try to persuade you into taking their option into account.

When buying a car, a lot of money is involved. Depending on the budget you are willing to spend there will be a car finance option to your liking. A compromise has to be made: one can either spend a lot at once, or spend a greater sum during a longer period of time. Your car finance option will affect your pocket anyway; it’s just a matter of how much money will be given in how much time.

One of the best things you can do for your car audio system is to properly tune it. There are several variables to consider when doing this, and I am going to walk to through the most important ones so you will have a good understanding of how to get the most “bang” for the buck from you system.

Assuming you have an amplified system with one or more subwoofers, you can dial in your system to give you the best sound and have the durability you want from it. It starts at the head unit. You want a head unit with a good, strong output signal, between 4 and 5 volts on its pre-outs. Audiophiles tell us that 2-3 volts of good clean signal is good too, but that will require a little more amplifier power to get the decibels we’re looking for. You also want a head unit with an adjustable subwoofer level. Start by tuning the stereo without the subs on. Add your bass and treble until you get the desired sound with minimal distortion at the loudest volume setting you will listen to it at. This is generally about 2/3 max volume.

Once you are happy with the low/mid/high sound from the multi-range speakers, we can add in the subs. If applicable, tune the sub outputs to about 2/3 maximum, and head to the amp. Start at the amp and adjust the frequency and the level to minimum, and turn the volume up to the the same loudest point we were working with earlier. Pull your frequency to about half way, and slowly adjust the power level upwards. If you hit the zone you want, stay there. Keep in mind, this is only a safe adjusting technique with a speaker system that matches the power output of the amplifier. If you want more from your system, incrementally adjust the frequency down slightly with the increases in power level.

Your goal is to get a loud, clear bass from the subs that DOES NOT CLIP OUT under the loudest conditions you anticipate. If the amp clips out, then adjust the power level lower until it is back in the safe zone. Once the system is set where you want it, don’t mess with it. Leave the levels on the head unit and the amp alone. The mistake I see with blown speakers and amps is trying to show them off with all the levels maxed out. This produces a lot of power at a high distortion level, which is damaging to the speakers and the amplifier. If you want a louder sound than what you have by tuning your system this way, it may be time to upgrade.

Keep these guidelines in mind when configuring your systems, and you should be able to build a car stereo system that will sound great and have great durability. Good Luck and stay TUNED!