Putting up with an unreliable car can be very stressful, especially if you depend on your car to get to work. Many people spend hundreds of pounds trying to maintain older cars and never seem to have enough money to buy a newer, more reliable model. However with buying a cyone can afford to buy a new car. This can be a cost effective option in the long run as you can get a more dependable and economical car that will not cost so much money in repairs or fuel

Buying cars on finance can be a great way to start driving a brand new car without the initial outlay. This is a brief guide to the aspects you should consider when looking for new cars on finance.

 

Credit Rating

The first step to ensuring you get the best deal is to check your credit rating. This may contain inaccurate information which will negatively affect the deals available to you. By checking your rating with a credit report provider and correcting these problems before seeking a loan you can ensure they are calculated correctly and offering the best price.

Terms of the Loan

When looking for cars on finance it is important to make sure you are comparing like for like. Simply comparing the rate of APR between deals can be misleading. Be sure to check all aspects of the finance agreement such as monthly repayment, total repayable amount, payment protection insurance, APR and any additional charges which are not included in the APR. This should give you a clear picture of each deal on offer.

Requirements

Often lenders will request some proof of residence such as one or more utility bills. This can also verify to the lender, the duration you have lived in the country. The lender may impose this and other requirements to assess suitability.

Payment Protection Insurance

This service has had some bad press over recent years. The objection is not the service its self but the ability of the lenders to set vastly different prices on the service. Being covered by payment protection insurance means you are covered in the event you should suffer a loss of income. If this is a service you want, comparing loans from different companies for the same amount should give you a frame of reference for the correct amount to pay.

Secured or Unsecured

This is the basis on which the money is lent to you. Very few lenders are willing to provide unsecured loans over £15000. A secured loan involves agreeing some form of collateral with the lender. This will be an asset of equivalent or greater value.

Other Costs

With any loan there may be charges which are not included in the total repayable amount or APR. The most common is a fee for settling the difference early. Also defaulting on the agreement may cause the terms of the loan to change. As long as you are aware of any additional costs you can make an informed decision.

Plan the Purchase

When buying cars on finance, you can get an idea of the required loan amount from the average cost of the make and model you are after. Take your time and find as many lenders as you deem reasonable, this may include the manufacturer. Once you have a frame of reference you can speak to a dealer. The most important thing is to be prepared and only proceed once you are happy with the terms of the deal. If you are unhappy with anything you can always return another day.

Clear Benefits of Car Finance It is clear that if you are considering buying a new or used vehicle that buying cars on finance has some very useful benefits for saving consumers the inconvenience of making a large initial investment


There are car finance deals available to suit many different personal circumstances. This is a very practical way to upgrade your car for a more reliable model. You could save a lot of money in the long run by buying a new car on finance as you will be able to afford a much newer and more economical car. This means lower fuel and repair costs and much less hassle for you

 

 

I am not sure if the romance blooms slowly, to me the story had a certain flow and then at some point it made a very sharp turn which I totally didn't see coming...

My opinion about Jonah changed dramatically and I think I began understanding his reasons.
I liked Reid / of course/ as well as the side- characters. Tamara Allen is great at creating strong and likable side characters.
Beautifully described historical setting as usually for this author and I am always in love with everything she writes. 

Painful read.  Grant had every horrible thing happen to him; Mel seemed added to the book to be "inclusive" and Tristan was oblivious for 15 years?!  These characters were poorly thought out and plot was ridiculous.

Review originally posted at Sinfully.

Grant is 26 and never been kissed, all his prior dates ending in disaster such that a second date has never happened. Some of it is attributed to his personality quirks, but plenty of contributions were also made by the jerks he went out with. Grant has had a lot of changes recently in his life. His job transferred him an hour away requiring him to move out of his beloved mother’s house, leave his best friend behind and adjust to having new coworkers at the job he loved. The hour he has moved away is just enough distance that he feels he is starting from scratch. Grant describes himself as anal-retentive; he needs cleanliness and order or else he becomes anxious and at times comes off as rather difficult.

Tristan is new to relationships as well. He’s had plenty of hookups but after getting out of the Navy he put all his energy into working as an auto mechanic and helping support and raise his now 15 year old daughter, Claire. He hasn’t found anyone worth disrupting his life for until he met Grant. Their first date starts off so well, there is absolutely going to be a second; but one circumstance leads to another and when the mother of Tristan’s daughter unexpectedly shows up things quickly spiral out of control and everyone’s lives are about to take an incredible and almost unbelievable turn. It may be crazy, but if Grant and Tristan can adjust, things just might work out better than they ever expected.

The blurb doesn’t mention it, so I’m not going to give away the plot, but let’s say there are some hasty decisions made and it throws everyone into a tailspin. I have no problem with the decision made in the heat of the moment, bad decision are made all the time especially in fiction, so for me it’s what comes after the decision that makes or breaks the story, and I’m happy with the way this one progressed. There were easy times and hard times as they get to know each other.

While it’s lust at first sight for these two complete opposites in both looks and lifestyle, Tristan falls a bit quicker than Grant. Grant is truly tested, adjusting to spending time not just with Tristan but his daughter and her lunatic mother. Tristan also has to learn to adjust to Grant’s quirks, which definitely made for a few uncomfortable moments. Luckily, Tristan is a sweetheart with incredible patience. From his initial adorable, but seemingly ineffectual, attempts at flirting to the way he deals with Grant’s insecurities and eccentricities and his own new feelings, you can just feel how smitten he is from the start. Grant is a harder nut to crack, but he does learn to relax more, especially when it looks like he’s finally going to get what he’s wanted all these years and not die a virgin. I thought the sex scenes were both awkward and steamy, especially when Grant starts to realize that he might just be a little less uptight vanilla than he always thought he was.

While I could get on board with most of the plot elements even if they were a bit crazy, I did have some issues. The biggest issue may be more me reacting as a parent of a girl the same age as Claire, but I had a lot of trouble with the way the situation with her mother was handled, not just after knowing the dangerous environment she had been exposing Claire to for years, but especially once she became violent. That was one bad decision I had a hard time getting past.

Overall I liked the way both main characters grew in the story and the way all the relationships progressed, not just between the MC’s, but the way the dealt with friends, coworkers and family. I’m a big Wade Kelly fan and have read all her books and this is easily the lightest level of angst you’re going to get. It had a different feel than her other books and I sometimes felt like I was in the middle of a crazy and romantic version of The Odd Couple. You may have to put aside an expectation of complete realism with this one, especially with an at times over the top villain, but the story will entertain you and probably cause you to “aww” more than a few times on the way to a happy ending fit for a princess.

Economics plays a decisive role in shaping and guiding our lives. For most of us, it is not an easy subject to understand. I am the holder of an Economics degree (cum laude) from my college days. Even so, there are still many things about economics and finance that either elude my grasp or I partially understand, for both disciplines are fluid and dynamic, ever evolving, ever changing.

For that reason, I sought out this book, "Lords of Finance: The Bankers Who Broke the World", to help me to begin to understand the various historical and economic factors that led to and touched off the Great Depression and any parallels between events of yesteryear and today. Certainly, I've learned a lot about the 4 principal personalities in the world banking system during the 1920s who sought to promote and build a solid world economic system in the post-World War I era pegged to the gold standard. The foursome were "the neurotic and enigmatic Montagu Norman of the Bank of England; the xenophobic and suspicious Emile Moreau of the Banque de France; the arrogant yet brilliant Hjalmar Schacht of the Reichsbank; and Benjamin Strong of the Federal Reserve Bank of New York, whose facade of energy and drive masked a deeply wounded and overburdened man."

Reading this book taught me that the collapse in the world economic system in 1929 was not inevitable. The author identifies 3 culprits that he deems culpable of contributing to events that caused the Great Depression:

(1) "... the politicians who presided over the Paris Peace Conference [of 1919]. They burdened a world economy still trying to recover from the effects of war with a gigantic overhang of international debts. Germany began the 1920s owing some $12 billion in reparations to France and Britain; France owed the United States and Britain $7 billion in war debts, while Britain in turn owed $4 billion to the United States." Expressed in today's money, that would be the equivalent of Germany owing $2.4 trillion, France owing $1.4 trillion, and Britain $800 billion. Grappling with such heavy debt during the 1920s made it a onerous challenge for the financial statesmen of the day to take on. The debt issue also poisoned international relations and created a fissure in the world financial system that gave rise to pressures that would cause it to collapse in October 1929.

(2) "[t]he second group to blame were the leading central bankers of the era" --- i.e. Montagu Norman, Emile Moreau, Hjalmar Schacht, and Benjamin Strong. "Even though they, especially Schacht and Norman, spent much of the decade struggling to mitigate some of the worst political blunders behind reparations and war debts, more than anyone else they were responsible for the second fundamental error of economic policy in the 1920s: the decision to take the world back onto the gold standard."

(3) "... the Great Depression was caused by a failure of intellectual will, a lack of understanding about how the economy operated. No one struggled harder in the lead-up to the Great Depression and during it to make sense of the forces at work than Maynard Keynes [the distinguished British economist]." He believed that if what he regarded as "muddled thinking" could be eliminated in economic matters, "then society could allow the management of its material welfare to take a backseat to what he thought were the central questions of existence, to the 'problems of life and of human relations, of creation, behavior and religion.' "


This is a magisterial work that, I believe, anyone should read with care and patience (given the weightiness of the subject) to gain a better understanding on a fundamental level of how economies work and function. You'll be glad that you did.