If you have decided to purchase a new car, there are two things you need to keep in mind. One is finding a car which is suitable for your use and the second is choosing a car that fits your budget. Once you have decided on the car you want to buy, you will have to decide on how to pay for the same. Most car buyers look for financing options to purchase their four-wheeler. If you research well and scout the market for financiers, you will be able to get a loan that serves your purpose at a reasonable rate of interest.
Steps to apply for a car loan
In order to apply for a car loan, you need to understand the basics of lending. You only need to make a small amount of down payment and the balance will be funded to you in the form of a quick car loan. You will need to repay this loan amount over a period of time.
Before you apply for a car loan, make sure you compare the interest rate for the same. The interest pays for the marketing, administration, and the costs incurred by borrowers who fail to make the payment on time. The interest rate will have a huge impact on the amount you repay every month. Therefore, choose a financier who offers a low rate of interest on the loan. Your credit history will also play a crucial role in the amount of interest applicable for your loan. So, if you have a good credit history, you will be able to enjoy a lower interest rate.
The car loan term is the amount of time you have in order to pay the money back to the lender. In general, a car loan tenure ranges from one to five years. But the longer the tenure, the higher will be the number of monthly payments you will need to make. If possible, choose a lower tenure as your car will depreciate in the long term. Scout the market for lenders and understand the fine print. Do not sign on the loan documents before you have understood every clause and term applicable for the loan, which may include processing charges, prepayment penalty, charges for skipping a payment, and so on.
Apply for a car loan by submitting the application form, necessary documents, a valid identity proof, photographs, and the invoice of the purchase of your car. The loan will be processed in no time if the documentation is complete. Keep in mind that it is extremely important to make the repayment on time in order to enjoy a positive credit score.
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10 reasons why you should own a pair of Chuck Taylor converse shoes
Read moreNow produced by Nike, Converse Chuck Taylors have been around for almost a century. These shoes were typically made to play basketball. But the comfort they provide has made them popular with people across all age groups.
Here are 10 reasons why you should buy a pair now.
- The history is really big on these converse. They were born out of the constant innovation required for footwear in the basketball community.
- They were the first shoes made specifically to play basketball. At a point, 80% of the converse sold were Chuck Taylor’s.
- The Chuck Taylor’s converse you are buying today is the model that was introduced in 1948. So it can be considered a collector’s item.
- Each part of the shoe is intricately designed. The sole is made of brown rubber while the front part is made of white rubber. It is meant to help the person keep their grip. They were the first non-skid shoes ever invented.
- You cannot bruise in these converse shoes. These were made to withstand basketball games. The shoe is made of canvas cotton to help move the feet easily and avoid blisters.
- The logo on the ankle serves as a padding to avoid injury to the player. Ventilation eyelets are small circular metallic rings placed on the sides of shoes. They were added to allow air to circulate inside the shoe.
- The original model was an all white converse. Later came the all black model. Blue and red lines were later added to the trim. They had toe guards, laces and the outer wrap was white. These are the classics and the first of the Converse Chuck Taylor collection.
- Converse are also available in a variety of colors styles, prints, and materials.
- The maker of these shoes went to great lengths to improve the game and popularize it all over the world.
- He changed the ball that was used in the game to a more uniform and grip-worthy design.
- They are unisex and can be worn with any casual outfit.
Converse have become so popular that they have been featured in multiple movies. Even Dennis from Dennis the Menace wore them. Records were set in basketball while athletes played wearing these Converse. They were even used in training by American soldiers in the second World War.
They have several accolades to their name and have sustained through the years simply because of their excellent design and uniqueness. There’s a pair of Chuck Taylor converse being purchased every 43 seconds. When do you plan on getting yours?
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Here’s how to get baby formula for free
Read moreIf you are expecting a baby, you must be aware that with a new baby comes new expenses too. And formula food is one such cost that is absolutely essential. But like so many baby products, baby formula is indeed expensive. And before you settle down on one type or brand of formula food that your little one clearly enjoys having, there are baby formula samples that are available for free. And, though a little effort is required, there are many ways you can get free baby formula samples. Here are a few you can try:
The first stop to find free baby formula samples should be your local food bank. If you could make a call and find out whether they have stock of baby formula, they would gladly give it to you free of cost. Check out the government websites for a list of the local directory of food banks. SNAP (Supplemental Nutrition Assistance Program) and WIC (Women, Infants, and Children) are two federal programs set up to feed families with little children and they could provide free baby formula too.
You may be able to get free baby formula samples from your doctor, pediatrician or local hospitals. Because baby formula manufacturers provide samples for exactly this purpose, that doctors and hospitals pass them on to babies in need of formula food in the hope that they can reach the ultimate user of their product.
If you happen to get your hands on daily newspapers and magazines dedicated to baby and child care, you might find inserts that give coupons for free baby formula samples. And local grocery stores sometimes announce a sale on certain items they carry, this could include baby formula too.
Register online at the many websites that offer free baby formula samples. Manufacturers of formula food like Nestle, Nature’s One, Gerber, Enfamil, Similac and stores such as Amazon or Target have websites/registries where you could enroll and get free sample baby kits that might include baby formulas and also coupons or discounts for future purchases.
While some of these resources need you to qualify as a low-income parent, there are others open to everyone. Try the many different ways mentioned here to get free baby formula samples, from small portions to full-sized cans everything is available for your newborn or infant.