If you are looking to get a new or second hand car then you may well be tempted with taking finance out to cover the cost or part of the cost of the vehicle. Finance can be a great way of spreading the cost of a car over a number of years but you need to be sure that you know what you are taking on, the terms an conditions of the finance and how much you will end up paying for the car overall.
Many finance companies will simply take to you about the monthly amount and term of the finance but may not talk about the amount of interest and the APR. The APR is the annual percentage rate and is a percentage that relates to the interest you will be charged annually over the term of the loan. APR’s can range drastically from as little as a few percentage upwards of a thousand percentage. The higher the APR the more you will be paying back overall.
Always check how much you will have paid back in total including interest by the end of the finance agreement and this will allow you to work out how much in interest and charges you will incur. Often once people have this information, they reconsider the finance or will start to shop around to get a lower APR. Bank loans are often lower than taking out car finance but not sometimes the lending restrictions are stricter.
If you have recently had a new car or have noticed a new noise or some odd behaviour then you are likely to panic what it is and we often assume the worse. It is right to be concerned if you notice something different about the way your car sounds or drive or notice that it is using too much fuel for example, but sometimes we may put off taking it to the garage in fear that we may have to fork out a lot of money.
Often these noises etc. may only be something small and it might be easily fixed but even if it isn’t the chances are, if you leave it, it will only get worse. The problem arises when we notice something wrong and do nothing to then find that something has broken, such as the cam belt, which has caused additional damage as a result. This may have been avoided had the initial problem been investigate as and when it should of.
Ensuring that all your fluid levels are topped up, that the car is regularly serviced and generally looking after your vehicle can help avoid some problems and if not avoid them, may be an opportunity for them to be picked up before they get too bad.
When it comes to buying a used car, you may have many concerns about how genuine the seller has been. No one wants to be stung with buying a car that is riddled with faults or to have it break down on you a few weeks later. When buying any used car there is always an element of risk involved but you can only hope that the seller has been honest.
Make sure you do your own research before viewing or bidding on a car. You may be surprised as to how much information you can find out online about a vehicle just from having the registration number and manufacturer details. All current and previous MOT’s are now listed online showing if the car passed or failed the MOT test, and also if there were any advisories. This can help you work out what has been done on the car or what may need to be done in the near future.
If you are buying a new car then you most likely need to switch your insurance over on to it. If you are trading your current car in part exchange or if you are selling it after then you may need to have both cars insured for a period. Most insurance companies will give you 24 hours cover on both to give you plenty of time to collect the new one whilst still being insured on the old one.
When swapping insurance, firstly call your current provider and check what the cost would be to swap. There may be an additional premium to pay and possibly an admin fee too. Once you have a price go online and obtain a quote from a comparison company to see what others may offer you. I often find a price for a few hundred pounds less than your current provider. If you are going to swap insurers check what the cancellation fee is going to be as often this can be in excess of £75 which can make it worth while paying a little extra and staying with your current insurer.
Garage doors are practical but also aesthetic part of your home. There are many brands that offer garage doors in London with several designs available, which are classified according to the system used opening, material design and ease of operation. As with rising competition and market needs; these garage doors brands will make a gate tailored to your liking. The different types of garage doors including roller shutters, sectional garage doors, sliding doors and industrial doors where each type has its specific features and has its advantages that one can install as per requirement.
1. Sectional Garage Doors – The most commonly used are sectional garage doors , which are composed of sections that use torsion springs are passing on the guide rails on the ceiling. If we consider garage doors London; then sectional door is easy to install from all aspects. Sectional doors slide to the side, along the walls of the garage are the sliding doors. Their advantage is the possibility of partial opening slot for the passage of a free cap.
2. Roller Garage Doors – Roller garage doors are ideal for garages, where the emphasis is on maximum use of space. It can be installed without structural modifications to already built garage. We also offer industrial rolling doors, suited for all spatial situations.
3. Industrial Doors – Industrial doors are suitable for any industrial building that need garage to park vehicles for staff or need door for warehouse and lots more. It does not matter whether you have freight forwarding warehouse or need a new door to its garage. In both cases you will save space, boost design each object and provide maximum possible comfort. Industrial sectional doors and industrial roller doors can be ordered in all sizes in the range max (width x above) 8000 x 5000 [mm]. With most of the garage doors manufacturers in London you will find the all seven standards sizes that are available at economic and affordable rates of packages.
4. Sliding Doors – Sliding garage doors are manufactured tailored with respect to safety and reliability. This is actually the type of sectional garage doors with the difference that the panels are built vertically but along the walls of the garage where the installation is therefore placed great emphasis on building readiness, equality walls and floors.
Here with different manufacturers; you can choose from a wide range of imitation wood and more than 2,500 colours, thanks to their unique and creative series of production where they also accompanied of spare parts and are able to combine wood, types of offsets, colours and stainless steel accessories that can be used for garage doors repair in London. You can have the doors exactly to your liking, you can only choose. Besides colour versions have the aesthetic appearance of a door share a beading appearance gates can be filled by means of modern stainless steel elements. Do not forget the safety features that we mostly listening service during closing movement of the door, to avoid any conflict with any obstacle missed the entrance.
There are many service providers in London that assist you in garage door selection along with offering complete services in garage door repairs and garage door replacements.
Servicing can be an expensive part of owning a car. Many cars require a service every 12 months or 10,000 miles and then a major service every 30,000 miles or three years. Many new cars now come with long life service schedules meaning that they only need a service every 2 or 3 years for example.
Services can range from £100 upwards to £500 if it is a major main dealer service but is essential to maintaining your vehicle the best you can. Many people do not want to spend this money on old cars and therefore garages are now offering mini services. The mini service often includes oil and filter change, checking and topping up of other fluids and all over check on the brakes, suspension and tyres for example. This can cost as little as £40 so can be a huge saving on the normal dealership service prices.
Car insurance can be a massive annual cost for many motorists. Young drivers, especially males or anyone with convictions / endorsements on their licence can see their premiums well over a thousand pounds a year often making it a struggle to stay driving n the road.
Did you realise that the area in which you live in can have a massive effect on the cost of your car insurance and in some cases can over double your premium.
With this in mind, we should all look at ways in which we can reduce or insurance costs as much as possible to keep pour outgoings lower.
/keeping your car in a locked garage for example can often reduce the cost of your insurance compared to if you were keeping the car on a public road over night. This is because the car is likely to be more secure in a locked garage than on a road.
It is a fact that most cars lose money year upon year from wear and tear on the paintwork, interior and engine or even because a newer model has come out making yours seem outdated.
There are certain cars that do hold their money or some classics even increase in value. You can also increase the value of a car by doing work to it, such as a respray or completing repairs that needed doing when you purchased it but there is always a ceiling limit as to how much you can recoup.
Studies show that a new car loses approximately 17% of its value within the first 12 months but some cars lose money quicker than others.
The Honda CRV, the Nissan Frontier and the Jeep Wrangler are amongst some of the cars that lose less than 17% in the first year with these three particular models losing on average between 7 and 8 percent. This can mean an additional £1000-£2000 in your pocket should you wish to sell it after a year.
If you have just bought a car or even if you just want someone to give your existing car a once over, there are many garages now offering a free visual inspection. If you call up one of these garages and explain to them that you want a free visual inspection they can often fit you in the same day. The car is put up on a ramp in the work shop and then the mechanic will check over it to find out any damage on the car. They sometimes will ask you over to have a look whilst it is on the ramp so you can see for yourself what needs doing.
This service is usually designed to check many components such as the brakes, suspension, tyres and sometimes the battery. Once the garage has given you a list of items that may need to be replaced they can provide you with a quote to do the work, but you are under no obligation to take it.
Is your garage door opener generally falling apart? If yes then maybe it is time to replace with a new one that uses new technology besides being easy to operate and maintain. A well-functioning garage door opener will not only provide a safe, secure and easy access to your garage but will also increase the general value of your property. Hormann garage door openers are one of the best in the market. In this article, we are going to give you reasons why you should choose Hormann garage door openers.
- They are reliable and efficient
One main factor that you should always look for when searching a garage door opener is reliability. Hormann door opener has been manufactured by one of the best companies in this industry with lots of experience. The company has consistently manufactured quality garage door openers, a factor that has made them to gain worldwide recognition. If there is one thing that you can be sure of when you buy garage door opener from Hormann is efficiency and reliability. The opener will not fail you at the time when you need its services the most. Keep Reading →