Bob Ciasulli : Instruction for peoples who want to become car owner

Many of you may already know that my name is Bob Ciasulli and I own several auto dealerships in the Northern New Jersey area. For that reason, I’ve experienced my share of car loan applications. I’d like to impart a few tips I’ve garnered from the experience. Since there are a lot of options for car financing, it is very important for you to research your options.

To get the best car financing terms you will just need to research and shop around to compare the policies and rates. Use free personal finance software to calculate how much you need to pay for the loan over time, or ask your car dealer for help in determining how much of a loan you can afford.

The “Cash for Clunkers” program brought people back into car dealerships in the last few months, but it is still difficult to afford a new car in this economy. Most people would rather save money than spend thousands of dollars to buy a new car. If that is the case for you, perhaps you should consider auto financing. You can get an auto loan from a bank, car dealer, credit union, and even online.

Since there are a lot of options for car financing, it is very important for you to research your options. Here are some useful tips on how to get the best car finance terms for your new vehicle:
• Always answer application questions honestly because your references will be checked.
• Do not apply for car financing unless you need to. If you can manage to pay for your car, that is the best option.
• Make sure you have the income to pay the interest rates monthly.
• Shop around and compare car finance term sources. Make sure to get the best deal you can from a trusted provider. If you are buying a second hand car, try to negotiate with the auto dealer for a good rate.
• Try to get the shortest term loan because you will pay less interest, and because your car looses value as soon as you drive it off the lot, so you can not look at this type of loan the same way you would a mortgage.
• The number of months that you can finance your automobile is determined by its age. Used cars usually are given shorter loan terms than new vehicles
• Improve your praise. People with good credit can get better loans because they are less likely to default on the loan.

Tips for Maintaining Your Car Tires : Bob Ciasulli

I’m Bob Ciasulli and I own several car dealerships in northern New Jersey. I know how significant owning and maintaining a car can be for most people. It is only natural that you will want to protect your investment and extent the life of your car by following proper maintenance guidelines for your tires.

First let’s talk about treads!

It’s fall, there are wet leaves on the road, and the dreaded icy winter travel season is coming soon, so take a penny out of your wallet, and head over to your car to check the tread on your tires! After all, your car tires are supposed to hug the road, and they can’t do that if the tread is worn away. When you turn sharply with a poor tire, you are more likely to skim over a wet road surface, loosing control and hydroplaning. All you have to do to test the tread on your tires is to stick that penny into each tire’s treads. If Abe Lincoln’s head sinks into the tread up to his hair line, then the tire is just fine. If not, you should replace the tire quickly.

Next let’s talk about pressure!

Pressure is measured in PSI (pounds per square inch) and there is a simple little tool called a tire-pressure-gauge you can use to measure it. Your car will list the tire pressure requirements on the door panel or in the owner’s manual. Check all of your car's tires at least once a month or whenever they look low. If your tire pressure is too low, it can lower your gas mileage, make your car handle poorly and even cause flats. You can usually tell your tire pressure is too low if your tires squeal when you go around corners.

On the other hand, if your tire pressure is too high, your tires will not hug the road and your car will bounce around, and it will take you longer to stop.

Outside temperatures change the pressure of your tires, and the colder it is outside the more likely that you will have to add some more air to your tires even if they are not leaking. Tire pressure decreases by about 1 pound per square inch for every 10-degree drop in outside air temperature.

These simple procedures will save you hundreds of dollars a year, and greatly prolong the life of your car. In addition, they will save you money on gas.

Bio: Bob Ciasulli owns and operates several car dealerships in northern New Jersey, and is very interested in automotive maintenance in general. His tips on maintaining your car tires are based on his own observations and government statistics.