A great Trusted Tip on Shopping for a Used Vehicle

QUESTION: " My wife and I are contemplating the purchase of a “new” vehicle. By new, I mean new to us, we're not hung up on a brand new vehicle." Russ and Sandie

ANSWER: Those in the know, know that the best way to make a great deal is to use other people's money. By that I mean, let someone else pay for the depreciation of a vehicle, so it makes a ton of sense to consider the option of purchasing an off-lease vehicle or previously loved vehicle . An off-lease is usually two or three years old, will still hold the remainder of the manufacturer's warranty, is usually loaded with options, well maintained and will be in good cosmetic condition.

Consider the following points when it comes to making the second-most expensive purchase most people will ever make, next to a home.

•Set a budget. You will be amazed by how fast you will whittle down the overwhelming choices that are out there.

•Decide if you want to purchase or lease. Yes, you can lease used vehicles. However, unless you have a business that you can write off the lease payments against, I suggest you purchase. When you lease, you are basically renting a vehicle and the agreement comes with strings such as keeping the kilometres low, regular, documented maintenance and ensuring the cosmetic condition is top notch. Purcahsing a vehicle makes much more financial sense for a typical persons circumstances.

•What will you be using the vehicle for? Determine what you will be doing with the vehicle 95 per cent of the time. Unless you have definitive answers to any or all of the following points, it's likely you can get away with a small car. I used the 95 per cent figure because in the mid 1980s General Motors conducted a study to determine how it should outfit its pickup truck line. GM found that pickups were used as pickups only 5 per cent of the time. This turned the tables on light-duty trucks forever by making them more car-like.

•Do you have needs that require car pooling?

•Are you expecting to take bunches of kids to hockey or soccer? (There's a lot of gear to be slogged around along with the kids)

•Do you expect to haul cargo ? Will it be light or heavy?

•Will you be towing a trailer or boat? Lake life, Winter snow mobiling and Recreational vehicles are HUGE in Saskatchewan..and you need the right vehicle if you have those needs!

•Will you be off-roading or driving on snow covered roads?

•Is fuel economy important? Many manufacturers offer the same model with four cylinder as well as six- or even eight-cylinder engines. You don't have to settle for what's popular. With some planning and patience, you will find what you are looking for.

•Check out recalls and service campaigns. This can be done by contacting that brand's dealer or by subscribing to service information providers like www.Alldata.com  or by visiting the Transport Canada web site.

•Check out Consumer Reports. This can be done online or by magazine. Find out consensus for your choice of vehicle. Consumer Reports publishes a yearly document that not only spells out findings by their experts but also publishes vehicle owner survey results.

•Take your investigation to the next level: check out online forums. What are people saying that own these vehicles? It's amazing the feedback you will discover....find a TRUSTED SASKATOON USED AUTO DEALER , who you can be guaranteed to provide you with unbiased, honest to goodness advice..we know the vehicles and we know what's a good or a bad buy for your specific set of needs!   

•Take your narrowed-down list to a Trusted Used dealer who specialise in ' previously loved vehicles'  . Drive all your choices – you may find that a test drive will make you wonder why you even considered this vehicle in the first place – or you may wonder why it took you so long to find “the perfect car”.

Russ and Sandie, in the end, you like everyone else will likely buy with your heart. But now at least you have an idea how to narrow down the search and what to expect along the way. Good luck and above all, have fun. Buying a vehicle should be a highlight .....there's nothing better than handing over the keys to a new owner and seeing the joy on their face as they drive away ..it feels GREAT!!

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Article quoted from : Rob's Garage 14 tips for buying a car Rob MacGregor  Published Thursday, Mar. 18, 2010 12:56PM EDT

To Bidet or not Bidet?

What is a bidet?A question many North Americans struggle to answer. A bidet is a plumbing fixture that cleanses the user after he/she has used the toilet. This idea was first introduced by the French in the late 1700′s and has become wildly popular throughout Europe and Japan. Today a bidet and or washlet is found in more than 70% of homes in Japan and Europe, and only 20% of homes in North America. The newest form of bidet is the bidet seat (Washlet from Toto www.totousa.com ); this unit takes the place of your standard toilet seat and requires a 120VAC, 15A, 60Hz Class A GFCI outlet. With this more convenient application this unit saves room in the bathroom as opposed to the standard bidet sytle which was a separate fixture beside the toilet.

Some of the features associated with this S400 Washlet from Toto are:

•Auto Flush Activated by Sensors or the Simple Touch of a Button

•Automatic Open / Close Lid Activated by Sensors, or the Simple Touch of a Button on the Remote Control

•Gentle Aerated Warm Water

•Front and Rear Washing

•Massage Feature

•Warm Air Drying with Variable Three-Temperature Setting

•Automatic Air Purifier

•Heated Seat with Temperature Control

•Convenient Wireless Remote Control with Large LCD Panel With the increased cleanliness and therapeutic effect of water (e.g. great for rashes, hemorrhoids, constipation, pregnancy, menstrual and just everyday cleaning) the bidet almost eliminates the use of toilet paper for greener living.

Stop by the Kitchen & Bath Classics showroom today and see how one works!

Find Kitchen & Bath Classics online at http://www.kitchenandbathclassics.ca  in the SASKATOON BATHROOMS category on the SASKATOON DIRECTORY of Excellence...they are your SASKATOON BATHROOM FIXTURES and FITTING Expert !

http://www.upgradeyourlifestyle.ca/blog/?p=159

First Time Homebuyer

Buying a home is one of the biggest financial and lifestyle decisions you will make, so it pays to make an informed decision by first looking at the main disadvantages and advantages of Homeownership. A mortgage broker will assist you with the entire home buying decision and process - right from the moment you decide to buy your home to the moment the movers carry the first box through the front door!

Let me walk you through the important highlights you will encounter through the step by step process. Knowledge of what happens when, including the costs involved, will ease any unexpected pressures.

By Choosing me to be your SASKATOON MORTGAGE BROKER You can expect professional step by step guidance through the home buying process including the following:

• Understanding the Mortgage Products available on the marketplace and what product would best suit your family's financial circumstances?

• Knowing what documentation must be provided to obtain mortgage approval.

• Customize Your Mortgage - Making sure your mortgage works for you.

• What costs exist over and above my down payment?

• Who is involved in the home buying & market mortgage process including your Mortgage Broker, the Realtor, the Home Inspector, the Lawyer or Notary, and the Insurance Agent! Below are some key points to consider;

• Knowing what you can afford

• Rate guarantee up to 4 months

• Ensure all credit approval documentation is in place sooner than later

• No cost with no risk and obligation

• Open vs. closed mortgage 

• Length of repayment (amortization) - up to 35 yrs

• Term of mortgage

• Conventional vs. high-ratio mortgage

• Assumability and Portability

• What documentation is required for different income types i.e. salaried vs. self-employed

• Verification of down payment including the amount, history and source

• Lowest rate or cash back

• Fixed rate vs. variable rate (or both)

• Payment frequency

• Pre-payment privileges and penalties

• A detailed breakdown of costs will be provided so you have NO surprises

• Other costs could include: Legal fees, title insurance, fire insurance, home inspection, possible appraisal, etc

Find Trusted Saskatoon Mortage Brokers here by clicking here

Choose a  TRUSTED SASKATOON PLUMBER by going to the Saskatoon directory..and you can rest assured that they will offer you honest advice .....and you won't pay for anything that you can do yourself or that you don't require.

Trusted stands behind : JOB HEATING & AIR, PERFECTION PLUMBING and GIBBON HEATING AND AIR  as our TRusted SASKATOON PLUMBERS

Choose a TRUSTED SASKATOON AUTO DEALER by going to the Saskatoon directory..and you can rest assured that they will offer you honest advice .....and you won't pay for anything that you can do yourself or that you don't require.

Trusted stands behind :Trusted SASKATOON AUTO DEALERS