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Canadian auto dealers are promoting
But here’s a good rule of thumb for anyone in the market for a new car or truck: If you can’t afford to pay off your
You’ll almost certainly regret stretching your payments out to six or seven years. That kind of financing can easily launch you into a never-ending cycle of auto payments.
As Jack Nerad, executive editorial director and market analyst for Kelley Blue Book, puts it: “Be willing to get what you can afford or you’ll always be in debt.”
Here are the six reasons to avoid extra-long auto loans:
Reason 1. You’ll pay thousands more in interest.
Longer loans have higher interest rates and you’ll be paying that higher rate over a longer period.
For example, a Cadillac CTS at $34,000 in a 60-month loan at 7% interest will cost you $673 a month. Over the life of the loan, you’ll pay about $6,400 in interest.
The same car will cost you $560 a month if you get an 84-month loan at 9.7% interest. (Longer loans always charge higher interest rates.)
But by the time the car is paid off, you’ll have spent $13,000, or more than twice as much, in interest.
The interest you pay on an auto loan is not tax deductible, so there’s no benefit to you.
Reason 2. You’ll probably want a new car before the current one is paid off.
Dealers typically use long-term loans to squeeze buyers into luxury cars, big pickups and full-size sport-utility vehicles that cost $30,000 or more.
While those are very nice rides, the experts at Kelley Blue Book say most drivers still want to get a new car every three to five years, or about the time vehicles begin to need more extensive, not to mention expensive, maintenance.
With an extra-long loan, however, you’re still years away from getting the pink slip.
Reason 3. You’ll be upside-down on your loan most of the time you’re paying it off.
Though you’re reducing your debt slowly, your new car or truck will depreciate quickly — losing 20% to 30% of its value in the first year alone.
With a 60-month loan, it’s not uncommon to owe more than your car is worth for the first couple of years. With an 84-month loan, you’ll be in that unenviable position until your sixth or seventh year of payments.
Let’s say you take out an 84-month loan on a Toyota Highlander. At $28,225 and a 9.7% interest rate, you’ll still owe roughly $18,400 after three years. Try to trade it in and the dealer will give you $15,000, if it’s in good condition.
Or what about the Cadillac CTS? If you kept it for five years, you’ll still owe $12,155 but can only expect to get about $10,500 when you trade it in.
Reason 4. You could still be paying for your car after you get rid of it.
You’ll have to roll the difference between what you owe and what your car is worth into the loan on your next car.
Using our two examples, you’ll have to carry over $3,400 in debt on the Highlander and $1,655 on the CTS.
Car payments would become a never-ending drain on your budget, and the extra debt would make it that much harder to afford the payments on your next car. You could easily be forced to trade down to a less-costly model.
Imagine how you’d feel driving around in a RAV4 or Chevrolet Malibu while making payments worthy of a Highlander or CTS.
Reason 5. The other options aren’t all that great, either.
Of course, you can get more for your car or truck if you try to sell it yourself. You may even be able to command a high enough price to cover your note. But if you can’t, you’ll have to make up the difference out of your pocket before your lender will release the title.
Either way, you won’t reap the financial rewards of buying a new car — paying it off and going a year or two without payments, or selling it and having money for a down payment on your next vehicle.
To obtain any of those benefits, you’ll have to stick out even a
Reason 6. If the payments don’t kill you, the operating costs will.
Many buyers tempted to use long-term loans are so fixated on the payments that they don’t take into account how much their expensive cars and trucks will cost to run.
Filling up a big pickup or SUV typically costs $70 to $90.
And finally, the economy is slowing down, making this a bad time to be taking on more debt — especially more debt than you can really afford. Look at the big picture. Layoffs, pay cuts and other financial problems could be on the way. One critical step in preparing for a recession is to be conservative in your spending.
By Debbie Reinheimer
Interest.com Contributing Editor
Have a question about cars or your finances? Ask us at editors@interest.com.
If you like this post, please buy me a beer for $3 8-)The success of your website depends on the amount of traffic you are able to generate. The more targeted the traffic, the better your website will convert visitors into buyers. Before working on ways to increase your conversion, you must first start the flow of traffic. Below are a few tips to help you increase the traffic to your website.
Increase website traffic by marketing through blogs
target="_blank">increasing website traffic is a recurring problem that online publishers face. Webmasters employ several ingenious ways to achieve that objective. Blogs are one such method of improving web traffic. Posting messages to blogs automatically notify several related websites through a ping list. This can help in increasing web traffic. Hence regular posting, preferably every day to blogs should be done.
Increase website traffic through article syndication
Another powerful way of target="_blank">increasing web traffic is to write informative articles enriched with keywords and submit them to article directories, also called as article syndication. Certain websites do the job of article submission to hundreds of article directories for a nominal fee. The articles should be unique and could be done through professional writers at least once a week. They should be posted on the site first and after a week or so when the search engines have indexed them they could be submitted to article directories.
Increase website traffic through social bookmarking
Websites like OnlyWire.com do the job of submitting articles to about 15 other social bookmarking sites. If one article is submitted daily to 15 such sites there could be 15,000 back links generated to a website in a year through this method. Thus social bookmarking can be a potential tool for increasing web traffic.
More ways to increase website traffic
Viral marketing, email marketing, posting to forums and pay per click are other methods of increasing web traffic. Pay per click services is offered by some web sites where for a few cents one could generate a potential customer lead. Other sites like Yahoo Answers encourage visitors to post questions on various topics. Those posting answers to them are also permitted to include their URLs in the signature. Thus the readers who go through the answers are likely to click on the URL and target="_blank">generate traffic to the website.
Tracking and Statistics
The quality of sites can be improved and made more customer oriented by tracking the visitors. This can be done with tracking tools of the website in its cpanel and Google analytics. All these tools give important information about visitors’ activities like which are the most popular articles, what links were clicked by them and how long they stayed at the site etc. The information can be used to alter the appearance, the content, increase the number of posts to blogs and such other things that can make the site more useful to visitors inducing them stay longer and make them revisit the site often.
By posting to a blog everyday or submitting an article daily to article directories or social bookmarking sites, one can easily target="_blank">boost the traffic to a website and hence their online business.
If you like this post, please buy me a beer for $3 8-) Blunt Magazine |
SKATEBOARDING& GRAFFITI IS NO…
Blunt Magazine, South Africa - Skateboarding and graffiti go pretty much hand in foot, and over the years, the two art forms have complemented each other both visually and in practise. … |
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Skate park ready to roll
Tulsa World, OK - Hisey took up skateboarding about two years ago as a way to hang out with his youth group. Others have taken note. He mentioned that Falls Creek, … |
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From deck to turf, Kennedy is in motion
Greensboro News Record, NC - Sure, skateboarding's a contact sport, but it's all self-inflicted. Try adding a few 300-pound guys to the X Games and see who shows up. … |
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Skateboarding gains popularity
KOKI FOX 23, OK - (AP) - Skateboarders and committed adults are working together to persuade leaders in Oklahoma cities and towns to build skate parks in their communities. … |
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Skateboarder charged over internet video
ABC Regional Online, Australia - A 21-year-old man has been charged for skateboarding down a Sunshine Coast road at an estimated speed of 80 kilometres an hour. He has been charged with the … |
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Skateboarders start new RSO
The Massachusetts Daily Collegian, MA - Next time you're out walking around campus, take a look around and count the number of skateboarders you see. There's no denying it, skateboarders are … |
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East Berlin rejects skateboarding proposal
The Evening Sun, PA - By ERIN JAMES Having tentatively agreed in August to give East Berlin skateboarders a place to skate, the town's officials knew reversing that decision … |
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