Getting Your First Car Loan
Posted by nick_niesen on October 29th Adam Cracknell Jersey , 2010


One of the first big purchases many people make is an automobile. Of course, those just starting out in the world aren't liable to have much credit history. So how exactly do you go about getting yourself a good car loan?


Well, if you can't cough up the cash (and most of us can't, if you're considering a fairly new vehicle, that is), the smartest thing you can do is to prepare yourself early. Get ready to line up your credit at least a year before you're ready for that auto loan.


This doesn't mean run out and get several credit cards and start charging. It does mean establishing yourself with a good solid history of being a financially responsible adult. When you go in for a loan on a new or used vehicle, you should know what kind of credit history the dealers will be looking for. This isn't to say that if you don't have good history, you won't get a car loan. There are plenty of lenders more than ready to take advantage of those with poor credit by not turning them down, but instead slapping them with huge finance charges and impossibly tiny monthly payments that will let them collect interest on you for years.


Don't let it happen. Do some pre-planning.


If you don't have a checking account, get one. Savings accounts are fine, but checking accounts require that you keep an eye on the balance and don't bounce checks or overdraw the account, and that alone establishes some financial credibility. It also ensures a safe route for your auto payments, which you can have deducted straight from your bank account. Set up direct deposit of your paychecks with your employer if possible (it goes without saying that you must have a steady job), so that your bank records show a consistent flow of cash coming in every two weeks. Direct deposit also keeps the money out of your hands and safe in the bank, which leads to the other big point:


Save for your down payment!


Not only will a good down payment knock down the amount you're required to finance on your new car; it will also make you look like a safer financial bet and will most likely result in a better financing plan. Those with at least a quarter of the purchase price in hand will be riding much more smoothly when it comes time to finance.


Finally, it might be a good idea to take out a small bank loan about a year in advance of your first car purchase. Make the loan small enough so that you know you won't get into trouble trying to pay it back; and then, most importantly, pay it back. On time, with regular monthly installments.


It's important to make yourself look like a good financial investment for the car lenders. When it comes time to set up payments on that new set of wheels, you'll be glad you did. Nobody wants to be paying off a car loan long after the car has gone to the junkyard.

" People celebrate the victory of the war against the Islamic State (IS) on Tahrir Square, Baghdad, Iraq, on Dec. 10, 2017. Iraqi Prime Minister Haider al-Abadi on Saturday officially declared full liberation of Iraq from the Islamic State militants after Iraqi forces recaptured all the areas once seized by the extremist group. (XinhuaKhalil Dawood)

BAGHDAD, Dec. 10 (Xinhua) -- Iraq's military Sunday paraded in Baghdad Green Zone to celebrate the full liberation of Iraqi lands from the Islamic State (IS) group.


The parade was held in the morning at the Celebrations Square in the heavily fortified Green Zone, which houses the main government offices and foreign embassies, and was attended by the Iraqi Prime Minister Haider al-Abadi, who is the Commander-in-Chief of Iraqi forces, Xinhua correspondent on the scene said.


Top Iraqi officers from the ministries of defense and interior also attended the parade, he said.


Iraqi warplanes and helicopters flew over the Celebrations Square as Iraqi tanks, armored vehicle, artillery, infantry and other forces marched in the square, he added.


On Saturday night, Abadi officially declared full liberation of Iraq from the extremist IS group after the security forces recaptured all the areas once seized by the extremist group.


""I announce to the Iraqi people and all the world that our forces have reached the last redoubts of Daesh (IS) and have raised the Iraqi flag over areas of western Anbar (province) which was the last occupied land by IS,"" Abadi said in a televised speech.


However, Abadi warned Iraqis to ""remain alert and ready to confront any terrorist attempt that may target our people and our land,"" despite the announcement of victory over IS.


Earlier on Saturday, Lt. Gen. Abdul Amir Rasheed Yarallah, commander of western Iraq operations, announced the liberation of all Iraqi lands from IS militants after seizing the whole border areas and desert in western Iraq.


""The liberation of all Iraqi lands from the IS has been completed and our heroic forces have tightened their grab on the Iraqi-Syrian border,"" Yarallah said.


The army forces and the paramilitary Hashd Shaabi brigades, backed by Iraqi helicopter gunships, managed to take control of the whole desert areas between the provinces of Nineveh and Anbar, he said.


Meanwhile, observers warned that Abadi's declaration does not mean the terrorist group has no ability to carry out attacks as it is still able to attack through its sleeper cells in the country.


On Nov. 17, the Iraqi forces ended the first phase of the offensive when they drove out IS militants from their last urban stronghold in Iraq and raised the Iraqi flag over the buildings of the city of Rawa and nearby border areas in north of the Euphrates River.


The IS militants seized large swathes of territory in Iraq in 2014, when government forces abandoned their weapons and fled, enabling IS militants to take control of parts of Iraq's northern and western regions.



" " . Air Max Sale Cheap Air Max 2017 Cheap Air Max 95 Cheap Air Max 1 Cheap Air Max 90 Air Max Clearance Air Max 2018 Outlet Air Max 90 Clearance Wholesale Authentic Soccer Jerseys Wholesale NHL Hockey Jerseys