10 Tips for Buying a Car with Bad Credit

Your credit history is a major determinant when it comes to getting approved for a car loan. Buying a car with bad credit is an uphill task; it does not matter if you have a good income or even a stable job history. A history if high debt, late payments, repossession or bankruptcy is a sign to the lender that you are at risk of not making your loan payments and the lender might want to avoid the tedious and expensive process of repossessing back your vehicle.

However, bad credit cannot hinder you from your path of possessing a new set of wheels. However, you will have to somehow differently and be prepared to dig deeper into your pocket. However, you should first be detailed informed to avoid the lender taking advantage of you.

  1. Improve your credit before car shopping

You should check your credit report right from the moment the idea of buying a new car get in your mind, even if it is a year in advance. Your chances of getting approved with absolute terms depend on your credit report. You should first clean your credit before applying for a loan. Cleaning up your credit involves, disputing credit report errors, you pay your due accounts and adding some positive info your credit report.

  1. Pay everything on time

A couple of months before your loan application, you should make sure that you pay everything on time. You should avoid taking the other main credit obligations, new credit cards included. Some of the potential red flags your auto lender will look for include, charge-offs, rent payments, tax liens, bankruptcy, lawsuit judgments, and debt collections.

  1. Check the interest rates

It is highly important that you check the current interest rates. Bankrate.com is a perfect example where you can check for the latest auto loan rates. If you have good credit, you can even qualify for a rate even below average. However, with bad credit, you will have higher interest rates, but you should avoid any loan rate that is more than twice the average.

It is good to note that the loan rate will not only affect the monthly payment but will also affect the price tag of the car you want to purchase too.

  1. Be ready to make a bigger down payment

Your credit history will influence the amount of car loan that you can get and also the high-interest rate will even make the amount even lower. However, a down payment can offset the taxes, interest, and fees and even widen the selection of motor vehicles you can choose from.

  1. Take what you can afford to pay

In most cases, people overestimate what they can afford just so that they can get a better car. Advice is that the amount of money you have as left over each month after paying all the bills is the amount you can afford.  Confirm with your monthly budget amount and see what you can afford to pay and stick with what you can afford to pay.

  1. Get Pre-approved

You will find that you can even shop around more realistically if you have a pre-approved loan amount. Consider talking to your credit union or bank about getting a car loan and find out their pre-approval process. However, if your bank denies you the pre-approval, you can contact your salesman who can help you get in touch with a lender who accepts car buyers with bad credit.

  1. The Extras Do Not Matter

With bad credit, there are possibilities that you will be approved for a less loan amount than you expected. This will mean that you will have to sacrifice for some of the car features you want, such as sunroof, leather seats, and premium speaker system. However, you can add these features,  but this will mean that you will have to make bigger payments and may soon find yourself not able to repay your car loan leading to repossession.

  1. Compare with nonprofit agencies

Before taking a car loan, check to see whether your country has any non-profit agencies that provide vehicles or loans to low-income consumers.

  1. Familiarize yourself with all the paperwork

Because tour credit and money are online, it is important that you understand each single statement on your loan documents, which sometimes can be confusing. Ensure that what your dealer has verbally agreed to matches what is in the paperwork. If you agree to the terms, you can go ahead and sign the loan documents. Some dealers will let you drive off without signing the documents only to call you later to sign the papers with terms that are entirely different from what you had initially agreed.

  1. Beware of Scams

In the modern auto-world, people with bad credits are potential targets of countless scams. You should not fall victim to these frauds no matter how badly you want to ride those new wheels. In most cases, these loans tend to end up very poorly for the car buyer resulting in more bad credit record. You should take your time, get each fact right and make the best financial sound decision.

 

 

Andrew Mat is a full time content writer, and a professional forester. With over 4 years in content writing, his work has been published in various blogs and websites across the internet.

What to Consider Before Purchasing An Hoverboard?

hoverboards

 

The introduction of hoverboards has made movements from one point to the other hassle-free. Also referred to as Segways or self-balancing boards, hoverboards usage in the United Kingdom and the United States has significantly increased in the recent years. The gadgets are available in different sizes and shape to suits the needs of different users. So how do you ensure that you pick the best hoverboard that will guarantee value for your money?

There are several considerations you should consider before settling for the best hoverboard. Below are key factors you should know before you dive in into the hoverboard world.

Beware of where you purchase from

Most of the third party sellers such as eBay, Amazon have pulled most of the hoverboard models from the sites due to safety concerns. Now with the sudden stoppage in selling, a lot of returned products are still available in the market today. You will notice many websites are offering clearance sale of hoverboard with incredibly smashed products. However, it is good to be aware of these outdated and cheap products; they might be equipped with cheap batteries that are not provided in the warranty.

Also Read: Can I Buy A Car with Bad Credit Score?

Check for Quality and Performance

If you are considering of making your hoverboard purchase online, it is hard to know the year when the product was manufactured. However, there is a difference between the performance and the quality of the hoverboards sold in the market in 2015 and those made in the recent months. To avoid the incidences of fires, hoverboards made recently have their control system and batteries significantly improved to ensure that they meet the UL standard. If you want to know whether an hoverboard was manufactured after 2015, then only check whether the gadget can be controlled using Smartphone Apps.

The Size

Hoverboards come in three wheel sizes, which are 10 inches, 8 inches, and 6.5 inches. If you want an hoverboard that you can easily carry around when traveling, it is advised that you opt for the smaller wheel since it is small in size and weighs less. Unfortunately, the smaller wheeled hoverboards come at a cost as well as they are limited to areas with smooth, wide and flat surfaces.

On the other hand, the 10-inch wheeled hoverboard will offer you a smooth ride in different terrains. If you want to perform cool hoverboard moves and tricks, then it is advised that you go for the small (6.5 inch) wheeled hoverboard. However, if the hoverboard is to be used as your main transportation tool, then the 10 inch wheeled one should be a good choice for you.

Charging Time

The charging time is another crucial factor you should consider before settling for any hoverboard. How long will the hoverboard charge? Ask yourself this question before making that decision. The battery is the vital part of the hoverboard. It is always good to opt for that which does not take too long to charge, and that which provides a long battery life.

Speed

Hoverboards come with different varying speeds that range as low as 2 to 10mph. However, there are also other models that offer higher speeds. It is also good to note that the speed factor highly influences the price of the hoverboard, and therefore you should be ready with a good budget if you opt for ones which provide higher speeds.

Andrew Mat is a full time content writer, and a professional forester. With over 4 years in content writing, his work has been published in various blogs and websites across the internet.

Top Health benefits of apples

There is a saying “an apple a day keeps the doctor away.” This is true to some extent as researches indicate that indeed apples, (either the red or green apples) have amazing health benefits on our bodies. Apples are loaded with antioxidants, flavonoids and dietary fibers which contribute towards good health. Vitamin C that is found is a potent antioxidant helping to boost the immunity of our body and prevents any damage caused by free radicals. They also contain minerals like potassium, calcium and phosphorous. B complex vitamins present in apples have neurological benefits.

Reduces the risk of cancer

A recent study has shown that consuming apples regularly might help in preventing cancer especially breast cancer. The triterpenoids that are found in Apple peel fight against the cancer growth in the cells of liver, breasts, and colon and the high percentage of flavonoids helps to reduce the chances of pancreatic cancer.

 Neurological benefits

Apple has acetylcholine which helps in heightened neurological activities. The antioxidants that are present in apples help to fight any ailments of the brain. This could help potentially avoid having a brain and related neurological diseases like Alzheimer’s and Parkinson’s disease. Another research shows that having apples regularly would prevent the production of neurotoxins thereby reducing the chances of dementia.

Reduces the risk of diabetes

Research has shown that eating an apple daily would result in 28 percent fewer chances of getting type two-diabetes. The argument behind this being that apples contain a high percentage of dietary fiber that helps to keep the sugar levels in check.

Also Read: Is Coffee Doing My Body More Harm Than Benefits?

Fights against cholesterol

One of the health benefits of apple is its ability to control cholesterol. The soluble fiber in the apples helps to bind the fats in the intestine thereby helping in reducing the cholesterol levels in the body. Research indicates that eating an apple daily would help in reduction of 23 % of bad cholesterol and an addition of 4 % of healthy cholesterol.

Healthier heart

Apples contribute toward the healthier heart in more ways than one. The high soluble fiber present in apples results in a slower buildup of the cholesterol plaque in the arteries. Plaque prevents the free flow of blood through the arteries, and hence a slower increase means potentially fewer blockages and thereby lesser risk to the heart. Apple skin has phenolic compounds which prevent the solidification of the cholesterol in the artery walls which would have the same advantage of minor blockages in the artery walls.

Better digestion

Apart from ginger, apples also help to prevent and overcome digestive challenges like constipation, diarrhea, irritable bowel syndrome, etc. The high level of dietary fiber would assist in pulling up the excess water in stool thereby slowing it down in case of diarrhea or absorbs the water from colon enabling a freer movement in the event of constipation. This fiber-rich diet is advised by doctors when suffering from any of the issues related to improper digestion.

Keep Body Weight in Check

A healthy lifestyle helps keep your body weight in check. Excess weight increases the chances of developing many health problems such as heart attacks, high blood pressure, diabetes, sleep disorders, etc. By taking a high fiber food like apple excess of fat and cholesterol in the body can be controlled thereby helping to manage weight effectively.

 Improving Immune system

Research studies have shown that Quercetin, an antioxidant found in apples helps to boost the immune system. This is helpful at the time of high stress or when one is depressed.

 Detox

Apples are known to be very good at detoxification. Some of the foods and drinks we take on a daily basis often have toxins which when accumulated in our bodies could adversely affect our immune system. Apples are a natural way to detoxify and save your liver from these toxins.

In summary, the green and red apple health benefits are multidimensional. Substituting a part of your daily food intake with apples would have much short term and long term health benefits.

 

Andrew Mat is a full time content writer, and a professional forester. With over 4 years in content writing, his work has been published in various blogs and websites across the internet.

Which is Healthier? Red versus Green Apples

red versus green apples

Red apples or green apples? Which do you fancy the most? Either way, let’s compare between the two, shall we?

Apples have become most popular fruits in the world. They are harvested from a tree known as Malus domestica, which is native to Central Asia. These fruits are not only popular due to their sweet taste but most importantly due to their nutrients.  Apples are readily packed with antioxidants, fiber, vitamin C and many other nutrients.  For those who are on a diet, apples play a vital role in their diet not only because they are heavy on the stomach but most importantly, they contain fewer calories.

Also Read: Does An Apple A Day Really Improve My Health

Doctors recommend that eating apples can be highly beneficial to your health. However, due to the availability of different varieties of apples, you might find yourself confused as to which type of apple to settle for. However, to end this puzzle, it is important to have an in-depth look at the differences between the green apples and the red one and determine which is best for your health.

Sugar Content

Apples are famously known to fight diabetes. However, when compared to the green and the red apples, the green ones have little sugar levels compared to the red apples. The red varieties of apples including the Golden and Red Delicious are grouped amongst the sweetest apples while the green apples such as Granny Smith are tart.

However, it is nice to know that the sugar found in fruits such as apples is not like the sugar found in processed foods. A fact is that the sugar found in fruits is carbohydrates and it is good for your body.

The Real Deal

Even though the red apples are sweet, and that many people prefer the red apples over the green ones due to the flavor, the green apples have more nutrients than their counterparts. This means that the green apples have more health benefits than the red apples.

Green Apples (Granny Smith) have:

More fiber

Less sugar

Higher antioxidant levels

More beauty and anti-aging benefits

More vitamins

One of the fascinating things about the green apples is their ability to keep the filter and digestive organs in shape. Therefore eating at least one green apple a day can help your body fight against gallbladder and kidney stones prevent colon cancer, reverse the effects of past drinking on the liver.

If you cannot stand the taste and flavor of the little green apples, you can purchase the two varieties of apples, (red and green), snack on the red apples and use the green apples to make a green smoothie.

 

Andrew Mat is a full time content writer, and a professional forester. With over 4 years in content writing, his work has been published in various blogs and websites across the internet.

Parenthood: Overcoming Single Parenthood Stress


Research indicates that for every four American children, at least one lives in a single-parent home. Single-parenthood may be as a result of different circumstances which include: divorce, death and some may choose to be single parents. However, all in all, solo parenting is not an easy task; it leaves many parents with so much stress and struggle. If by chance you are a single mother or father, here are important factors that you ought to consider, to avoid stress.

 Keep a steady daily routine

Since you are the only one in charge of the family, it is important that you schedule all the activities during regular hours. This will help your children and any other person know what to expect each day. They will be aware of what time to have their meals, what chores to undertake, and what time to retire to bed. The importance of keeping a constant daily routine is that it gives you the motivation of moving on and also makes you feel very organized.


Give appropriate and honest answers to your children

At some point, your kids will want to know the truth about the whereabouts of their other parent. Honesty is the key. Try to answer the question in an age-appropriate, honest and open manner. Whenever your child needs help, always ensure that you avail the necessary support that he or she requires. This might be in times of deep emotional difficulties, or illness.

Treat kids like kids

Solitude might overpower you at some point, but do not be tempted to turn to your children for comfort, sympathy or companionship. Let children be children, at no point should they play an adult role in their childhood. Children lack experiences about life or the capacity to play the role that your former partner used to play. If you find yourself in this situation, try to talk to your adult friends or family members. Alternatively, counseling could be the best medicine for you.

Be financially stable and organized

Managing a family on your own is very challenging, especially when you lack enough finances. Therefore, it is important that you work twice as hard to make ends meet. Try to budget your money and learn about long-term investments. If possible, you can further your studies to increase your monthly income. Always focus on the saving and do not exhaust everything today.

Avoid feeling guilty

There comes a time in life when things do not work the way you expected, at this point you might blame yourself for everything that befalls you. You might blame yourself for lack certain essential items, or when you fail to provide for your children. However, this should not be the case, always focus on what you are capable of doing and let go what you cannot. Embrace positivity and suppress negativity for your sense of well-being. If the guilt of divorce keeps on creeping into your mind, try to join support groups for other divorced parents, and this will be a great relief for you.

Give your children enough time and attention

Even though you might have other duties and chores to accomplish, always spare enough time for your kids each day. You are their inspiration, and your presence is therefore significant. Spend time playing, reading, going out for a walk, talking and listening to music together. Most importantly, focus on showing them the love that they deserve. Buy for them gifts and any other essential items that they may request from you.

Take time for yourself

It is also important that you schedule some time for yourself just like you did for your children. You can out with friends, take a warm bath, read books and many other activities, setting aside time for yourself will help you relieve stress and keep you happy.

Set up a support system

As a single parent, you will need help at some point, even if it means looking after your kids, performing house chores or simply someone to talk to. You may be tempted to handle things on your own, but it is good to get somebody to help you out, even if it is a friend or a family member.

Consistency in disciplining your child

As a parent, always ensure that your kids grow up knowing which behaviors are expected of them and the rules they ought to follow. This will help them be responsible individuals who work under minimal supervision.

Stay positive

Single parenthood comes with many responsibilities, it may be accompanied by the guilt of divorce or the death of your partner, but all this should not demoralize you. Always be positive about everything as you still have a life to live and children to take care of. Always maintain a happy face and a positive attitude since your kids are most likely to be affected by your mood.
Share your thoughts on single parenthood in the comment section below, thank you.

Andrew Mat is a full time content writer, and a professional forester. With over 4 years in content writing, his work has been published in various blogs and websites across the internet.