The Best Veterinarian In Las Vegas? Is Google The Judge?

From the aspect of the internet being a source of exposure for a business, and a way for a company to attract new business and customers, a question will usually arise as far as the quality of the actual services or products provided vs. the level of presentation that is received on search engines. Lets face it, Google is the starting point for most information today. If you just had a pipe burst in your house and there is water everywhere, while you are trying to stop the flow you are probably telling someone to find a plumber as quickly as possible. With no frame of reference to make a decision, most people put on this task will go to Google and pick from the first few results presented. This bears the question, how did Google go about deciding which of those businesses it put in front of you in the ordered list it returned? Are those the best plumbers, or are they placed in those positions for some other reason?

One of the most competitive businesses in our area is the veterinary care business. There are literally hundreds of veterinarians in Las Vegas, and the majority of them have a website of some sort that is giving them a presentation on the internet. However, when you Google “Las Vegas veterinarian” or “best veterinarian in Las Vegas” how is Google deciding which of this multitude of businesses who are all providing nearly identical services gets to be in the first ten results it presents on the first page? Is the list actually showing you who the “best veterinarian in Las Vegas” is, or is the list based on something else? Just to clear a few questions up, Google is not a vetting process, and employs no mechanism to judge the quality of one business or product over another, it only is judging the website and the spaces online that are discussing that particular business. These spaces include other websites and social media sites, review and testimonial sites, chat boards, answer websites and blogs. Google looks at the website of the business itself and combines that information with other information regarding the business that is owner controlled, like the Google + page that is verified by the physical location of the business and the phone number. Google looks over addresses that are listing to see if they match, phone numbers and other technical information, then it looks over the type of information listed on the website and compares it with the type of information presented on Google + in the areas beyond business specifics. Google + functions as a combination local listing service and social media space. The owner (or manager) or a business can go into their Google + page and do far more than just put photos and update business addresses and phone numbers. They can use Google + like they would use Facebook, to share information, pictures, stories, conversations, etc. It is a social experience that Google is analyzing and comparing to the information on the business website, and they are using that information to decide where the website will rank in the results.

For our example of a Las Vegas veterinarian, where in these results is the analysis of the quality of services that are provided by the veterinarian, and how is Google factoring the general public feeling about the services? The answer is literally almost nowhere. When it comes to searches that provide the list of 10 or so results that are “map-like” which are controlled almost exclusively through the development of your Google + page and reviews of the business that are done on Google +, there is almost no vetting that is happening in a real-world sense. Instead, Google is looking at the information that is on the website to provide a ranking. This comes in the form of content that is housed on the site, information about services, and how well the information on the site can answer questions that searchers would have. What this means is that if a person searches on Google for “best veterinarian in Las Vegas” they are going to find that Google returns a list of websites that answer the question “who is the best veterinarian in Las Vegas?” To further elaborate, what this means is that Google is looking to the content on the website to answer that particular question, and if it can find what it believes to be an answer to that question inside the content on the site, then that site will rank higher than another that does not answer the question. This does not mean that simply putting into the content on your website “Who is the best veterinarian in Las Vegas? We are!” is going to get you rankings for that particular question. However, addressing the aspects of content that is on a website that proves that you are better at being a veterinarian than the next competitor will provide better rankings. What are the things that would prove you are a better veterinarian than another one in the same city? This boils down to information about your subject. You can provide information about animal treatment and sickness, information about the veterinary practice and the biographies of individual veterinarians. You can provide local information to prove you are important to the local are of Las Vegas, as in pet friendly hotels or dog parks. This type of approach to the website is how Google is deciding who is better and who is the best.

What can be learned from this information is that Google is not NECESSARILY providing the best veterinarian in Las Vegas in the results that are listed for that particular search. It is providing what it believes to be a good list of veterinarians that provide the best information on the subject of “being a veterinarian” and what information it believes you are looking for. Should you trust that the top result on Google for this search is the best one in your area? The answer is absolutely not. Google is not a human being with an opinion, it is a machine that analyzes words on a website, and takes into consideration words that people say about the website. The best way to choose your next veterinarian is to look through the results and get a sense of the professionalism of the clinic…..then visit in person! Ask people at the local dog parks. Read reviews of the services. Google is just a mechanism to provide a list….it cannot make a good decision for you.

10 Reasons Why Motor Club of America (MCA) is a Great Investment

With over 86 years of rock solid experience, Motor Club of America Enterprises, Inc has become an established and trusted name in the Motor Club industry. In its beginning tenure, corporate America was its primary business entity. Now mainstream America has the ability to not only receive the wonderful benefits of MCA, but partner as an associate as well. Based out of Oklahoma City, Oklahoma, Motor Club of America is the largest Roadside Assistance Service Company (per member capita) in the United States and Canada today. We proudly provide better roadside service coverage for automobile, truck, motorcycles and RV’s than our competitors with additional services including medical, legal, hospital emergency room benefits, travel assistance, hotel/rental car discounts and so much more. MCA staff is available 24 hours a day, 7 days a week to assist in providing its members with a “Peace of Mind.” Whether you are at home, work or play, MCA has you covered. These 10 reasons will enlighten you as to why your first choice in motor club services should be Motor Club of America Enterprises, Inc.

MCA roadside assistance benefits consist of 24/7 “sign and go” dispatch with unlimited towing up to 100 miles to the destination of choice and up to $100 reimbursement cost covering automobiles, trucks, rv’s, motorcycles, boats and livestock trailers or your dually pickup over one ton.
Unlike traditional auto insurance, if you are ever involved in an auto accident or an accident at home, work or play and need to go to the emergency room or need ambulance assistance, MCA members receive up to $500 for this event made payable directly to you. This benefit covers all emergency room cost related to a covered accident provided in a trauma center or emergency room, including but not limited to doctor care, IV’s, splints, medication, etc are covered. If you should happen to be admitted to the hospital as a result of your injuries, as a member of MCA, you don’t have to worry about anything but healing and getting better. Your membership will provide up to $54,750 or $150.00 in daily hospital benefits.
Your Motor Club of America membership also covers “travel assistance” reimbursement up to $500 for local accidents. If in need of a rental car, no need to worry. Your membership plan will cover accidents more than 50 miles from a covered member’s home. MCA will also reimburse for lodging, meals and transportation. We never leave you without.
Let us assist in planning your vacation by making travel reservations including maps with detailed routing, airline reservations and hotel information with discounts so that you may enjoy your trip worry free.
The Motor Club of America membership card serves as a $500 cash bond when a covered member is involved in traffic violations which warrant arrest. We don’t encourage going above the speed limit, but if a member is involved in a moving violation, up to $200 in benefits will go towards this occurrence. Your membership will also include up to $25,000 bail bonds if charged with vehicular manslaughter or negligent homicide. Even though these services are the extreme, it’s better to have them than not have it at all.
Need an attorney? MCA members can receive up to $2,000 for attorney fees when charged with vehicular manslaughter, or negligent homicide arising from a covered accident. Covered MCA members also receive up to $1,000 for attorney fees for accidents and vehicle damages. .
In the event of auto theft, our members are covered with a reward amount of up to $5,000 leading to the arrests and conviction of the thief. Not only will this assist in deterring this behavior from criminals, but as a member of MCA, you can feel assured of one less worry and possibly get quicker results from the public.
With theft on the increase, one can never have enough security or protection. If your credit cards are ever lost or stolen, Motor Club of America members can rest assured that MCA will provide up to $1,000 in credit card protection. There is also free credit card registration to assist you in the process.
If the lack of health insurance has been your worry, Motor Club of America provides discounts of up to 60% on prescription drugs, up to 50% on dental and 60% on vision care, including ophthalmology such as Lasik surgery which is covered up to 15%.
Unlike any other roadside assistance company, especially our competitors, MCA provides its members the opportunity to be a part of its continued success as well as utilize the benefits. As a member, without any additional fees or obligations, you have the ability to refer the same services you have to friends and family and earn a referral fee from $40-$90 dollars for each new member. This option also includes the opportunity to earn residual income. If you have ever thought about being your own boss, here is a prime opportunity. You don’t have to quit your job to be successful at this business, just share, refer and earn. Some independent agents have not only doubled, but exceeded their primary income.

Motor Club of America is NOT auto insurance. It is a supplement to assist you in everyday life occurrences that are typically not covered or under covered by traditional auto insurance plans. For as little as 33 cents a day or $9.95 a month, you too can share in these wonderful benefits. Never again will you leave your destination with worry if you are covered with MCA. Most people feel they have these wonderful benefits with their current plans. I recommend that you read your plan fully and you will see that MCA not only offers more, but it is an excellent addition to your coverage/financial portfolio for ten plus reasons. If you are interested in becoming a member or want to learn more about what we offer, go to

Stock market preview for the week of June 2, 2014

The S&P 500 pushed to record high closes in three sessions during the holiday shortened trading week. The index matched the week ago gain of 1.21% in its push higher and has increased in 23 of the past 33 sessions.

Average daily volume levels of the four days in the holiday shortened week increased 5.81% compared to the average daily volumes of the five days in the previous week. The week’s largest volume was seen on Friday, with the lowest volume seen on Thursday. The five day volume variance also increased 10.67% over that seen four days ago to 36.19%.

The S&P 500 finished at record highs on Tuesday, Thursday and Friday with Wednesday providing a small setback. The three higher closes has taken the index near the upper boundary of the 100 L at 1925.

Major Stock Market Indexes

The index charts of the Dow Jones Industrial Average, S&P 500, NASDAQ, New York Stock Exchange and Russell 2000 continued to show bullish signs as all five indexes finished the past week with gains.

The NASDAQ and Russell split for the week, each finishing two sessions higher and two lower.

The Russell 2000 gapped to the 50 EMA at Tuesday’s open and continued higher through the session. Although Wednesday finished lower, it held above the 50 EMA through the session and Thursday began to widen the gap the index was running above its 50 EMA. Friday began higher, but the price slipped during the session breaching the 50 EMA briefly before rebounding bullishly to finish the session above it. The push higher during the week eclipsed the high seen in the previous cycle, giving it two higher highs in a row. All four sessions in the past week along with the previous Friday finished above the upper trend line of the recent downtrend, and it appears the Russell could have broken from its downtrend.

The NASDAQ saw a bullish cross as its 13 EMA pushed back above the 50 EMA on Tuesday. The NASDAQ continued to widen the gap it is running above the 50 EMA during the week, with all but Friday’s session low being higher than the previous session. Although the NASDAQ has not yet established an uptrend, the recent run higher makes it look likely it will.

The Dow Jones, S&P 500 and New York Stock Exchange each finished higher in three of four sessions during the week, with all posting small loses on Wednesday.

The Dow Jones finished Friday at a record high close. During the week it established and held a fairly steady gap above its rising 13 EMA. Although the Dow chart would probably look much more bullish without the component changes from last September, the remaining components are taking up the slack in the recent lackluster performance of the additions. At the same time the additions are showing some signs that they might break out of their recent slump and a rebound to or near yearly highs seems possible.

The S&P 500 and New York Stock Exchange finished at record high closes three times in the past week, The NYSE held a fairly steady gap above its rising 13 EMA during the week, while the S&P 500 slightly but progressively widened this gap in its run higher.

The indexes are currently overbought so a pullback does not seem unlikely; however chart formations make it seem possible they could hold in or near overbought conditions for the time being. If a pullback where to occur, dips to or near the 13 EMA could be buy signals.

US Treasury Charts

The 20 year US Treasury Bond pushed higher in the first two sessions maintaining its uptrend before beginning to fall on Thursday. The bulk of this move higher was seen when the 20 year Treasury again gapped widely higher at the open on Wednesday finishing with the highest close in 2014. Although the regular session saw relatively little additional gains, it closed near the day’s highs. The 20 year began to slip off these highs on Thursday with Friday continuing lower.

The 20 year is fully overbought and has not fallen to fully oversold in almost two months even though it has finished 11 of the past 19 sessions lower. Although the price has continued higher during this timeframe due to large opening price gaps, without these gaps, the price drops during normal trading hours have far outweighed the increases. Lacking these gaps, it seems possible the 20 year T-Bond could have established a downtrend during this timeframe due to the lackluster price movements during normal trading hours.

The normal trading hour price action makes it appear that domestic US Treasury Bond investors are taking profits into the foreign investments that are causing the higher opening price gaps. It seems possible if these price gaps cease, profit taking on these foreign investments could continue. This chart appears to be bullish, but continues to show signs of faltering.

Uncovered price gaps are nearly always eventually covered. The 20 year has left several gaps higher uncovered in its recent move higher, but the one of greatest concern to those recently becoming long holders of Treasury Bonds was that of March 12. That gap occurred three days into the recent bullish run off of lows and was very near the yearly low.

Long term Treasuries price charts continue to look bullish, but setting aside the recent large opening price gaps higher, they appear somewhat bearish. Therefore at this time the Treasury charts appear neutral to somewhat bullish for US stocks prices.

The interest rate on the 10 year US Treasury Note fell in the first two sessions before rebounding late week. It was again turned back at the 13 EMA on Tuesday and finished that session a little lower. It gapped lower at Wednesday’s open and finished the session steeply lower, breaking below earlier support and continuing in the recent downtrend. It continued lower early Thursday, but rebounded strongly to finish the session higher, with Friday’s finish adding to those gains. This chart continues to look bearish. It is in fully oversold conditions.


Gold slipped to about 1291 early Sunday night before beginning a small rebound shortly after the Sydney open that carried it back to about 1293, but slipped off that high to finish the night at about 1292.

Early Monday morning gold pushed back to about 1294 before trending lower in bounces to about 1291 by the London open. It rebounded back to about 1293 and traded tightly to this level through the US holiday shortened session. It slipped back to 1291 after the New York Globex open Monday night, trending in bounces higher to about 1293 after the Hong Kong open, then slipped back to finish the night at about 1291.

Tuesday trended fairly steeply lower until reaching about 1260 shortly after the Hong Kong open Tuesday night. It rebounded back to about 1265 and traded closely to it for the remainder of the night, finishing at about 1264.

Wednesday gold trended higher to reach about 1266 shortly after the New York open, but dropped back to 1256 by midsession. It rebounded back to 1260 before the NYMEX close and then bounced slowly lower to reach 1255 about midsession of late night trading in Hong Kong. It rebounded off this low to finish the night at about 1258.

It continued higher to about 1260 early Thursday before reversing trend and falling to about 1251 just before the London open. It trended slowly higher again to reach about 1260 midsession in New York. Gold slipped slowly lower off that high to 1256 in Sydney, but then pushed higher again to about 1261 early in the session in Hong Kong. It slipped slowly off that high to finish the night at about 1257.

Friday gold traded within a point of 1257 until slipping lower near the London open to 1253. It bounced between 1252 and 1256 until slipping steeply lower near the London close during New York trading then more slowly lower to reach a midsession low of about 1243. It trended mostly higher off this low into a New York Spot close of 1249.30, which was a fair amount lower than the previous week’s 1292.30 New York Spot close.

Gold took a fairly bearish turn in the past week, fracturing support levels established after breaking lower from the March rebound. Gold began a slight downtrend after the initial drop from March highs that resulted in a more or less sideways move along that support but saw gradually lower highs in rebounds during that time. This established a downward biased wedge on that support line.

This sideways move and wedge pattern broke lower at about the time it ran into the upper trend line of the downtrend established in the break lower from the third rebound in 2012. March’s high also turned lower near this upper trend line. The upper trend line of this downtrend will probably offer resistance, as could the recently broken support level. These resistances could limit upside potential in gold.

It therefore seems possible the recent break lower could send gold to a retest of earlier lows. This makes support at about 1190 look like an important testing ground, with a break below this support being a very bearish sign.

This week’s drop sent gold to a small monthly loss on both the London Fix and New York Spot.

A continued breakdown in gold could be bullish for stocks.

S&P 500 Constituent Charts

Overall the constituent charts continue to show bullishness.

Many of the constituents are in very bullish runs consisting of one or two day pullbacks followed by several days of moves higher. Many are riding higher above the 13 EMA and many are rebounding higher after drops to or near the 13 EMA.

The constituents continue to increase the numbers breaking above long or short term resistances.

Increasing numbers are breaking to 52 week highs with others nearing these levels.

More of the constituents that have not yet turned higher are showing signs they could turn higher from recent pullbacks. Several broke above upper trend lines in recent downtrends. Some moved to higher highs, others rebounded from lower lows and some established uptrends after having two consecutive higher highs and higher lows. Some broke above the 50 EMA after having fairly long draughts below it. Many of these stocks are moving higher above the 13 EMA or are beginning to ride above it more often than not. Some are still basing, but appear to be nudging higher in these bases.

Many of the constituents that took large moves higher on good earnings news appear to be rebounding after initial pullbacks in these higher moves. Some have already breached the initial highs while others appear to be rebounding off support levels like the 13 EMA. It seems likely many of these stocks could continue higher in these runs. Some that took these large moves higher on good news have continued fairly steady higher, without much of a pullback after the initial surge.

Many of the Biotech’s that took large pullbacks earlier have seen substantial rebounds off lows in those falls.

The staggering pattern continues to strengthen.

The index is overbought so it seems possible that a pullback could be seen in the week ahead. It looks likely that many of the constituents could move higher into that pullback limiting the drop or even nudging the index higher. A fair number of the constituents have established trends of holding in or near overbought levels. It seems possible some of the constituents that have not yet established a trend of holding in or near overbought levels are in runs that could do so and this could add further buoyancy. The S&P 500 currently holds the most bullish chart of the indexes covered. Even though the index is overbought, a pullback is not a given. It seems possible if one is seen it could be short and fairly small and therefore it seems possible the index could move higher in the week ahead.


Although the indicators featured in these articles are not always correct, they have been many times and being so they are worth reading about and taking note of.

The +/(-) 90 D and 100 L indicators are currently active. See a more detailed description of most of the indicators developed through research and featured in these articles here.

The +/(-) 90 D that became active on Feb 21, 2014 has performed as follows to this point in the format: highest close / lowest close / last close.

+4.76% / -1.12% / 4.76%

The +/(-) 90 D will expire in 22 trading days. Due to this expiration a 90 E will become active in 9 trading days. The indicator becomes active 13 trading days before the expiration and remains active for 13 trading days after the expiration resulting in a 27 trading day active period.

Although not always the case, as can be seen in several instances in past articles the 90 E has been present during periods that the S&P 500 has exhibited bearish traits. The indicator is not always present during bearish times, occasionally it is present during bullish moves too and a couple of these instances are also covered in past articles. The past two occurrences of this indicator saw a little of both beginning with a bearish period and ending with a more bullish move.

It seems possible this indicator could become active as the index enters potential resistance at the 1940 to 1955 MRL. The resistance at this level appears to have the potential to provide a significant pullback on the index, but it does not seem likely this resistance is strong enough to provide a large pullback if a significant pullback is seen. There are some fairly good reasons to believe the index could move past this level without seeing a significant drop, but if a significant pullback is seen, it seems likely it could remain shallow, probably within the 3% to 5% range.

The S&P 500 record high finish Friday of 1923.57 pushed near the upper resistance level of 100 L at 1925. Although the index is overbought, which might cause a short term pullback at this resistance, resistance in the upper portion of the 100 L appears soft so it seems possible the index could break above the 100 L in a rebound from that pullback. It also seems possible the index could begin to hold in or near overbought conditions, therefore this resistance level could be broken in a continued run higher.

Current Cautions

The index rebounded to recover from the significant drop seen within the 100 L. The upper resistance level of the 100 L appears to be softer than the lower level. It seems possible the index could continue to trend higher and break free of the 100 L.

The next likely area resistance could be found once the index passes the 100 L at 1900 is in the Midrange Resistance Level (MRL) between 1940 and 1955. The MRL appears to have the potential to cause a significant pullback, but probably not a large pullback if one were to be seen there. It also seems possible the index could move past this level without incidence.

It appears possible the index could reach the 1940 to 1955 MRL in conjunction with the expiration period of a 90 Day indicator. The expiration period of a 90 Day indicator activates a 90 E indicator. Although not always so, the 90 E indicator is potentially bearish as the S&P 500 has often exhibited bearish traits during the active periods of this indicator in the past. Therefore the presence of a 90 E indicator at this resistance increases the chances a significant pullback could be seen. The expiration period also falls within a timeframe that is sometimes somewhat bearish for stocks.

At the same time, the long sideways move at the 1883 resistance appears to have increased upward tensions in many of the constituent stocks. It does not seem likely these tensions could be fully relieved in the relatively short move to the MRL, which could limit the downside potential at this resistance. Although the potential for a significant pullback could increase if the index should reach this resistance with a potentially bearish indicator active and during a potentially bearish timeframe, barring any unforeseen circumstances, it continues to seem unlikely a pullback at this level would be large and still might not reach significant levels.

Recent chart action in Treasuries and Gold make it seem possible they could add to pushes higher in equities. Although Treasury Bonds have pushed to the highest levels seen in 2014, they have performed poorly during US trading hours indicating a domestic selloff could be underway. Selloffs in Treasuries often make their way into equities. Gold appears to have begun a bearish move lower and if it continues, this selloff could also add to a move higher in equities.

There is a slight chance that resistance could also be seen at 1970, but this resistance does not appear to have the potential to cause a significant pullback. If the resistance at 1970 is seen at all, it will probably do little more than slow the index’s ascent for a relatively short duration.

Average daily volume levels of the four days in the holiday shortened week increased 5.81% compared to the average daily volumes of the five days in the previous week. Although a volume increase was seen, it was relatively small and was seen in a continued move higher. It was also probably affected somewhat by the shortened trading week. The week’s largest volume was seen on Friday, with the lowest volume seen on Thursday. The five day volume variance also increased 10.67% over that seen four days ago to 36.19%, but still within levels normally seen during bullish moves higher.

There continues to be many reasons to be bullish at the current time. Any pullbacks in stock prices seen along the way are probably a good opportunity to add.

If the index continues within the trend established off the crash lows, it seems possible it could reach the 2000 to 2100 level in seven to 16 months if it reaches this level near the upper trend line and within 34 to 40 months if it reaches this level near the lower trend line. The data suggests the Midrange Resistance Level (MRL) at 2035 to 2055 could hold the resistance level of concern within this range at 2040. More details of this potential resistance can be seen in past articles.

Please note there is no established resistance in the MRL levels before the index has reached these levels. Several instances have proven to hold resistance once reached; however MRL levels that the index has not yet reached are only the most likely levels that resistance will be seen based on research. Back tests of the data used to project these resistance levels work well, but they are not always exact, and these resistances could react sooner or later than expected, it is also possible the resistance will not be seen at all.


Recently attention was drawn to the retail sector that had underperformed during the long sideways move on the S&P 500. Although some continued to perform well, the financial sector was also hit fairly hard during this time period as some in this sector fell rather drastically. Recently many of these charts are showing signs they are beginning to rebound from lows. Many in this sector have continued to hold low P/E ratios since the financial crisis, even those that saw earnings rebound quickly and have continued to see earnings growth. Pullbacks in many of these stocks appear to be buying opportunities.

Many of these sources of information were used in this article.

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Have a great day trading,

Access link to all of Ron’s past articles.

Disclosure: Ron has invested in several financial stocks over the past month or so and continues to look for opportunities in both the retail and financial sectors. Ron is currently about 81% invested long in stocks in his trading accounts. His investment level decreased over the past week due to the purchase of one issue with the cost of this purchase more than fully offset by the sale of one issue with a larger than normal position size and dividend payments. Ron feels he is slightly oversold at the current time. However he has and will continue to sell stocks that reach long or short term targets and also continue to add stocks he feels are at a great value through a variety of buy orders. Ron will receive dividend payments from 18 issues in the coming week and 21 in the following week. If no further investment changes are made during this timeframe these dividend payments will not change his investment level.

Some of the trades made during the past week may have been due to repositioning investments as discussed in a previous article.

Disclaimer: The information provided in the Stock Market Preview is Ron’s perception of the current conditions and what he thinks is the most probable outcome based on the current conditions, the data collected and extensive research he has done into this data along with other variables. It is intended to provoke thought of the possible market direction in his readers, not foretell the future. Ron does not claim to know what the stock market will do. If the stock market performs as expected, it only means he is applying the stock market history to the current conditions correctly. His perception of the data is not always correct.

This article is intended to provoke thought about investment possibilities. Acting on the information provided is at your own risk. You are urged to do your own research, and where appropriate, seek professional investment advice before acting on any information contained in these articles.

Smart Ways to Finance a Vehicle

When you want to buy a car and are trying to figure out how to pay for it your options can seem confusing. Financing a car is something that most of us will do in our lifetime, so let’s look at the two most popular options: obtaining financing from a private lender, and obtaining financing from the dealership.

Financing Through a Private Lender

When you are going to get a loan, be sure to get a copy of your credit score and credit report before you go so that you’re armed with that information ahead of time. This information helps lenders determine whether or not to approve you for a loan and what interest rate to offer you if you are approved. This is an important first step because your credit score can actually take a bit of a hit when you are comparing lenders if they are all making requests for your credit history. Once you have that information start contacting banks and credit unions to determine who has the best rates and terms for the loan.

Rates for used cars will be a bit higher than new cars, so be ready for that if you are trying to buy a used car. If you are buying a used car, these are some important things you should know before you go to get financing:

  • • Make and model
  • • VIN (Vehicle Identification Number)
  • • Age of the car
  • • Mileage on the car
  • • Sometimes lenders will have restrictions on whether or not they can even issue loans based on when the car was initially purchased, how many miles are on it, and what the standing is of the title.

Once you have found the best rate bring a pre-qualification letter, which states the terms and conditions of the loan, to the dealership so that you can prove that you have secured financing. This will also give you bargaining power if the car dealership offers you financing at a higher rate. Also be sure to bring that same credit report and credit score that you brought to the bank. This will provide you with as much leverage as possible to get a good rate from the dealership to compete with what you have already locked in with your bank.

Financing Through a Dealership

Interest rates from car dealerships tend to be higher than rates from private lenders so if you can get a lower rate from a bank or credit union that is usually the best route to take. The advantage of getting financing from the dealership is that they can work more with people who may have difficulty getting bank financing due to their credit. Dealerships have to offer financing on the vehicles that they sell and if you cannot get financing elsewhere, having financing at a higher rate is better than having no financing at all. Dealerships are also able to offer incentives that banks cannot offer. For instance, dealerships can offer things like a trade-in on your current vehicle and rate reductions or better terms if you supply a down payment.

Some Lessons to Remember:

  1. Not all credit scores will be the same. It may be worth checking using multiple credit score services to ensure that you are getting the credit score that is going to give you the best chance of securing financing and getting the best interest rate.
  2. Check multiple sources! If you just go with whatever financing is presented to you from the dealership you may be missing out on a better rate. Over the lifetime of the car this can add up to a large sum!
  3. If you get turned down for financing that can be difficult to hear, but it might actually be for the best. Getting rejected when applying for a loan means that the lender does not have certainty that you will be able to pay back that loan. So take that information and know that you will likely have to look for a less expensive car.

Shop at the Best Salt Lake City Honda Dealerships

Looking for a brand new or used Honda to purchase can move to be a quite daunting and stressful job for many. When shopping for a brand new Honda vehicle, you want to visit Honda dealerships in your area that have a great range of vehicle models. Before you head to the inventory at Salt Lake City Dealership, you ought to do some research and determine upon 3 or 4 car models you want to purchase. Consider features, price, size, and your expectations. If you have a large family, check into the vans and SUVs. If there are numerous styles with a range of accessories on the inventory, you’ll be able to contrast, compare, and test-drive various options.

Choosing to purchase from a Honda dealership Salt Lake City does have its own benefits despite the reason that you may pay more what you would purchasing from a private seller. Dealer vehicles are pre-checked prior to sale and typically the Honda dealer takes care of all the required documents for the automobile. You can also get a limited vehicle warranty on both new and used vehicle models.

If you buy your next auto from a Honda dealer Salt Lake City with a service center, it will make your life very comfortable. Having your auto serviced at the same place where you purchased your auto is very convenient. They will have your automobile’s paperwork in their files and be ready to remind you when maintenance and service need to be completed.

It’s wise to shop at Honda dealerships Salt Lake City that are in good standing in industry. Ask family members, friends, and colleagues who the most reputable Honda dealerships are in the state. Word-of-mouth recommendations are best ways of finding out about top quality reliable Honda dealers. If you’re searching for a specific Honda model such as used Honda Oddyssey Utah, ask your friends who drive the same vehicles. You can also see the reviews of Honda dealers online.

Buying a brand new or used Honda is a great expenditure. You want to shop at most reliable and reputable Honda dealerships in the state. Find out who has the greatest selection of the cars, trucks, sedans, and SUVs that you want to purchase. Check out Honda dealers Salt Lake City who have comfortable service centers with savvy technicians, skilled mechanics, as well as knowledgeable sales team. Find a place that you want to make a long-term relationship with.

Chrysler orders Community College crush donated Viper

Chrysler has ordered South Puget Sound Community College in Olympia, WA to destroy a 1992 GTS Viper prototype donated to the school after students used it for driving off-campus. Although this particular car and 93 other Vipers donated to trade schools across the country did not have “historical significance,” Chrysler expressed that they expected the schools to destroy them once they “had lost their educational value.”

The full statement reads:

“Approximately 10 years ago, Chrysler Group donated a number of Dodge Viper vehicles to various trade schools for educational purposes. As part of the donation process, it is standard procedure — and stipulated in our agreements — that whenever vehicles are donated to institutions for education purposes that they are to be destroyed when they are no longer needed for their intended educational purposes.

With advancements in automotive technology over the past decade, it is unlikely that these vehicles offer any educational value to students. Chrysler Group fully understands and appreciates the historical significance of the Viper and is very active in preserving many of its legendary models and designs for historic purposes however, none of these vehicles fit into this category.

According to the Tacoma News Tribune, the car given to SPSCC was the 4th Dodge Viper ever made in 1992 and came with a 450-horsepower V10 and It has a 600-horsepower V10 engine, a 2,200-pound fiberglass body with a “makeshift hard-top.”

The school has been given 2 weeks to crush the car. Students, however, have begun an online petition to save the car.

How Does These Most Dynamic Technologies of BMW Appeal to You

Mr. Philipp von Sahr, President, BMW India, while reveling their strategy for Indian market said, “We are on the verge of era of sustainable individual mobility and a revolutionary interpretation of BMW’s hallmark driving pleasure.

Elaboratingon ‘i’ concept, he added that, The BMW i presents a groundbreaking concept with visionary electric vehicles and mobility services, creating a new understanding of luxury that is strongly defined by sustainability. BMW i plays an important role in our future strategy and as a sign of our commitment to this market, we will bring our revolutionary BMW i8 to India later this year.”

We here, will elaborate some of the important features of the BMW cars. Some of them are really amazing while some of them you know well.

Auto Start / Stop Function:

This feature enables, use of fuel only when a car is actually moving, BMW cars has very superb efficiency, it enable the driver, to start the car in spilt of seconds once the driver takes his foot off the brake pedal. As per the company claim, the auto stop / start button can save up 6% of fuel in urban traffic.

BMW TwinPower Turbo/ Eco Pro / Eight Speed Auto Transmission:

This feature simply enhance the fuel efficiency, as per the company claim Eco Pro enhance the fuel efficiency by around 20%. And TwinPower Turbo will enable car to reduce fuel consumption and raise the power output across a wide range of engine speed.
Eight Speed Auto Transmission, is now available in many cars on the road. It simply enhance the productive use of fuel by optimizing the power requirement.

Brake Energy Regeneration:

This feature sounds good, it enable car’s redundant kinetic energy is transformed into storable electric energy. This lead to charging a car battery for free, instead of wastage of such energy.

BMW Night Vision:

The most common while driving during the night, is small hurdles on the road, but what if BMW offers Dynamic light spot which detects such objects from the long distance and selectively illuminates them.
This feature is available in other premium cars as well, but this features really add to the value of the car when you are frequent traveler during the night.

Dynamic Stability Control (DSC):

DSC is an important safety feature, as it facilitate driver, even in adverse driving condition and unusual driving surface. This enables highest safety and possible level of stability while driving, and maximize traction off all wheels when braking and accelerating the speed of a car.

Gear Shift Indicator:

One of the usual feature in same segment cars, but it matter a lot for fuel efficiency, BMW gear shift indicator gives the best timing for each gear change on its info display. By giving the right time indication for gear shift, it helps in increasing fuel efficiency and better engine maintenance.

BMW Connected Drive:

This system enables the driver to stay connect with intelligent network. It uses ultrasound for short distance and mobile radio technology for long distance ones. This also enables driver to stay connect with online services, driver assistance system, call center service and integration for smart phone support. It simply signifies the safety system of the car.

Lifestyles shift

Whether you’re ready or not, as life changes, so do your housing needs. Families grow. Careers unfold.

One way or another, your circumstances change, and you may find yourself looking for a more comfortable home, one that’s in a new locale, or just a better place for your current living pattern.

The home financing process has changed, too. Your lender can make moving to your next home easier. The vast menu of home financing options now available includes fast approval decisions, low down payment programs, and flexible rate, term, and closing cost options.

Financing a home is not a once-in-a-lifetime decision, and the financing package you used to buy your first home may not meet your needs the next time around. An experienced home mortgage originator will help you find a home financing solution that supports your current and future homeownership goals.

The majority of American homeowners purchase multiple homes in their lifetimes. Each time you buy a home, you need to reevaluate your needs and goals. So whether you are trading in your first home for a larger one nearby, relocating for the tenth time, or looking to move to a new area for a lifestyle change, your lender is here to help you reach your dreams.

Assembling the right TEAM

Real estate agents make it their business to know everything about communities and the homes within them. A good real estate agent can:

Establish what you want in a home. Communicating your desires is essential to helping your real estate agent find you the right home.
Search the Multiple Listing Service (MLS) and other resources for homes that match your needs.
Show you appropriate homes.
Provide valuable information on communities, comparable values of neighboring homes, tax rates, and building code regulations.
Help you formulate an offer on the home you want to buy.
Act as an intermediary between you and the seller, smoothing the negotiating process.
When you’ve got a good list of names, interview at least two or three of the agents. In addition to having experience in the area where you hope to buy your home, the agent you choose should be trustworthy and easy to talk to. Tell them what you’re interested in and ask if they can provide some additional information about area schools, taxes, or some other special interest. Then see how quickly they respond and how accurately they follow your request. Once you’ve selected an agent, stick with that agent even when you’re looking at homes listed by other agencies. A good agent will make it his or her business to be familiar with all the listings in your chosen area. Contacting a different real estate agent simply because you’re attracted to a listing of theirs is counter-productive when you’ve built a level of familiarity and trust with your selected agent.

This article links to several different real estate agents in Indiana who are exceptional at what representing buyers and sellers.

Simple Tips to Trim Your Car Insurance Bill

Who doesn’t want to own a car? You can commute to any place at anytime when you have a car. But, owning a car is not all about traveling convenience, rather it’s a sign of your living standard. However, every car owner must invest in a car insurance to comply with law of the land. This is where you need to consider a few things that help you reduce your premium. By investing less, you can reap a lot of benefits. Here’s how.

Experts say that insurers prepare a plethora of clauses under which one can avail premium discounts on car insurance. Understanding these features can help you be aware of what discounts you can avail; and how to avail these discounts and whether these discounts makes sense fiscally.

However, over the last few years, the criteria for premium rating factors has witnessed changes beyond the four parameters prevalent earlier, viz. engine capacity, geographical zone, price and age of vehicle. These days many new parameters are considered to determine the premium rates. They have given birth to a lot of ways to be followed to lower your car insurance bill.

You can, for example, reduce the premium rates by 10-30 per cent by giving the proper and correct information to your insurer when you buy a car insurance policy online or offline. A new insurance company may not always offer you the best quotes for the plan that fits your need and budget. By taking a few steps and paying proper attention to certain facts, you can save on your car insurance premium. Read on to learn more:

  • No claims bonus

A no claims bonus is a comprehensive facility designed to offer extensive benefits to customers. This facility is given to an individual when he or she does not claim against a car insurance policy during the period of time specified by the insurer. A no claims bonus is offered in a form of specific percentage reduction in your premium in the subsequent years. This bonus increases with each claim-free year. It typically starts with 20% and can go up to maximum 50%.

  • Voluntary deductible discount

A popular car insurance company offers a discount to its customers on their vehicle premium when it finds that customers can bear a certain amount of loss in regard to each claim. This is where a voluntary deductible amount plays a vital role. A voluntary deductible discount is an amount that a customer agrees to pay in order to get more cover by the insurer. What needs to be kept in mind is that higher the voluntary deductible, the lower is the premium. The discounts offered with this feature typically fluctuate between 20% and 35% of the premium, subject to a maximum of Rs 3,500. When you buy a car insurance plan online, do review the amounts of voluntary deductible against the discounts. Remember, the discount amount should actually be higher than the voluntary deductible.

  • Make and model of the car

One of the major factors to be listed on the to-do list is to consider the make and model of your vehicle. Every make and model possesses its own claim record. An insurance company fixes the price of the vehicle on its claim experience. It may be that some models are more claim-prone due to their structure or usage and the premium will factor in all these facets. Experts are of the view that there are some makes/models that have prohibitive repair costs. So discounts may even depend on repair cost charged on certain make/models.

So determine these three factors at the time of purchasing a car insurance policy. It will help you trim your car insurance bill.

A car does not just help you roam in and out of your town; it can also help you save a lot of time and money. However, for this you need to do a thought through research in order to know what affects your car most. By investing in insurance, you can save. This article tells you how to pay lesser premium and reap more benefits.

How to Get a Great Deal When Shopping at Car Dealerships

Shopping at car dealerships for a new vehicle can be an exciting experience. You have an opportunity to test drive a variety of options, and to get up close and personal with the latest vehicle features available on the market. You can even try out a few sporty rides that you don’t necessarily plan on buying.

But all the excitement of shopping for a new car can make it easy to not take the time to get a great deal on the vehicle you fall in love with. Here are four sure-fire ways to make sure you’re getting the best deal possible for your new ride:

Don’t Pay Sticker Price

The most important thing to remember when shopping at car dealerships is to steer clear of paying sticker price for a vehicle, especially if it isn’t already a great deal for your dream car. There is nothing wrong with making an offer yourself, but if that’s the case be sure to start low so you have some space to haggle. You can also let the representative you’re working with know that you aren’t interested in the sticker price, and simply ask for a lower price to see what they offer.

Keep Features in Mind

Even if you can’t get the sticker price down much, you might be able to get a couple of features thrown in without any additional cost to help sweeten the deal. For example, you may be able to have an upgraded stereo system installed in your new vehicle without having to pay for it.

On the other hand, you might find that stripping the features from a vehicle you want to purchase will result in car dealerships offering a lower purchase price for the vehicle overall. You can always invest in a new stereo, floor mats, and upgraded seat belts at a later date.

Go For Extended Warranties

It’s possible to get a warranty that includes more than the basic extended options that come with your standard new vehicle, all you have to do is ask. You’ll notice that new vehicle purchases come with an option to upgrade the warranty that is included. There’s no harm in negotiating to have that upgrade included in the purchase price of your vehicle, as this can save you quite a bit of money if something goes wrong with your car.

Choose Manual

You can save money on the upfront cost of your vehicle and save money on repairs if you choose a manual transmission over an automatic. Driving a manual can save you money on gas, too. You’ll also notice that the actions of shifting into gear will keep you on your toes while on the road. Choosing manual is a long term savings solution to consider.

The most important aspect of shopping for a new vehicle is making sure that you get the one you really want. Don’t settle on something that doesn’t make you completely happy just to save a few dollars, because those savings won’t feel worth it in the long run.