7 Myths About Buy Here Pay Here Dealerships Debunked

Buy Here Pay Here (BHPH) dealerships are car dealerships that operate without a third-party lender. Simply put, a person that wishes to buy a new car may borrow from such dealerships. Traditional financial institutions such as credit unions and banks may decide not to lend to a particular borrower because of credit issues.

Buy Here Pay Here dealerships simple extend credit, which means that the seller loans out money to the buyer. While this form of lending has been around for over 4 decades, people still believe myths about it. Here are the top 7 myths about Buy Here Pay Here Dealerships debunked.

1. The Dealerships Only Sell Junk Cars

The truth is that Buy Here Pay Here dealerships simply don’t stock their lots with as many junk cars as possible. In fact, many such dealerships ensure that all the vehicle they stock undergo quality inspections and clean title verification before being accepted into their inventory. The dealerships even do service and repairs if any issues are found, which means that you are buying a quality vehicle when you buy from them.

2. The Dealerships Only Want To Trick Buyers Into Buying Vehicles They Cannot Afford

Nobody wins if you are unable to pay for the vehicle the dealerships sell to you. It is why the financing process typically involves a personal meeting with one of the financial representatives of the dealership. The representatives will sit down with you and discuss things such as your existing expenses, income, and budget to determine the payment terms you can most comfortably afford. The dealerships want you to succeed in paying off the car loan with full and timely payments.

3. The Dealerships Can Finance Anyone

Buy Here Pay Here dealerships often look past a person’s credit score to determine who is eligible for vehicle financing. The dealerships believe that past credit mistakes don’t necessarily reflect the current financial situation and such want to offer you the chance at being financed even with no credit or bad credit. However, if your financial situation currently cannot allow you to make your car payments in timely fashion, it is highly unlikely that your application will be approved.

4. The Dealerships Are Loosely Regulated

Nothing is further from the reality. Businesses have to comply with both state and federal regulations. The entities/institutions involved with extending credit and lending must adhere to the set regulations, which are wide and sweeping. The regulations also involve several different agencies, which means that no Buy Here Pay Here dealership can avoid them.

5. The Full Amount of the Vehicle Must Be Financed

The myth assumes that dealerships only want to maximize the loan and subsequently maximize the interest. However, nothing could be further from the truth. Dealerships accept down payments and only the balance that remains on the vehicle has to be financed. The goal of the dealership is to sell vehicles and not necessarily getting involved with complex lending programs. If a person only wants to finance 50 percent of the cost of the vehicle he/she is free to do so.

6. You Will Be On Your Own Once You Drive Away From the Lot

Buy Here Pay Here dealerships often offer service agreements or warranties with the used vehicles that they sell. In many instances, each vehicle comes with its own warranty and customers often gain access to the dealership’s discount garages. The dealership doesn’t want car buyers to live in constant fear of car trouble, which is why they offer whatever is possible to prevent breakdowns.

7. The Dealerships Charge Outrageous Interest Rates Such That Buyers Are Unable To Keep Up With Payments

Buy Here Pay Here interest rates are typically higher than those charged by traditional dealerships, but it is not a strategy for ensuring that buyers are unable to keep up with payments. The justification for the high interest rates is the risk involved in financing customers with either no credit or bad credit. The dealerships want to offer financing to customers that might have been turned away elsewhere and it is their goal to help you out if you need a vehicle but don’t have good credit. However, they need to account for the risks involved in such transactions.

The Bottom Line

Buy Here Pay Here dealerships only want to help customers get a vehicle even after being turned away by other dealerships. The BHPH dealerships are in the business because they want to see their customers succeeding in paying of their car loans and building a better financial future.

It is thus important not to believe all the myths that you hear about the Buy Here Pay Here dealerships such as the ones discussed here. The BHPH dealerships simply want to help you get behind the wheel of a quality vehicle at an affordable price.

Energy Saving Benefits of Ductless Air Conditioning Units

Today, there are new and improved air conditioning units some of which are compact, affordable, offer cleaner air and also save energy. As most people know, air conditioning can cost a lot to operate. It all comes down to how much electricity or energy that the unit uses to cool a home.

There are many choices where air conditioning is concerned. Before getting any new unit installed in your home you must do research. One type worth researching is ductless air conditioners. These air conditioners have a lot to offer. They also give you the benefit of using less energy use while allowing you to enjoy efficient cooling for an affordable price.

Mitsubishi mini split Ductless air conditioners offer many benefits, and the greatest is that of saving energy. This translates to saving money over time. These are compact units that can be installed in just about any room of the house. They are the ideal choice for any place where there is no duct work or no possibility of there being duct work installed.

The way these units work is on a split-unit basis. The condenser itself mounts outside and the air units mount on the inside. These are compact, small cooling units that are mounted above doorways or other areas on a wall that allow them to stay out of the way but well within easy access. They are often controlled with remotes.

They perform above the recommended guidelines for energy efficiency. They conserve energy, reduce the carbon output, and also perform better longer because of this.

In addition to saving energy, they provide much healthier air. This is because they do not operate with ducts which can contain allergens, bacteria, and germs. Air conditioners produce moisture and when the moisture builds up in the ductwork, it allows allergens and germs to proliferate. This is not a problem with ductless units.

Also, repairs are much less expensive on these units than they are with ducted HVAC systems. Many times, the duct work tears or gets clogged and causes the air conditioner to stop working properly. This can be a costly problem to fix. With a ductless air conditioner, you do not have to pay a lot to repair a unit because there is no need for inspecting or otherwise taking care of ducts and airways in the home.

Besides this, these units work without producing humidity as other air conditioners may do. Many homeowners with HVAC systems or older window air conditioning units have the issue of getting the humidity to be brought under control properly. This is not a problem with the ductless units.

These are also much easier to install than other types of air conditioners. They can be placed just about anywhere. There is no need to worry about an air exchange system so there is less space to worry about when thinking of where to install the ductless air conditioning unit.

Besides all of these benefits in terms of comfortable, cool air and reliable operation, they offer excellent energy savings which always ends up translating to money savings. They cool as efficiently as a traditional air conditioner but you can relax knowing that you are not increasing the carbon footprint anytime your run your ductless unit.

Ductless air conditioners, and ductless heating units are affordable to buy as well as to operate. If the units ever do have problems they are much more affordable to fix than traditional systems. They are customizable and offer different cooling zone settings. Best of all they offer total comfort in an energy-efficient and environmentally friendly way.

Energy Saving Techniques In Orlando That You Can Use To Your Advantage

What are some of the best energy saving techniques in Orlando that you can use? There are a lot of ways to save energy in your home, but it may cost you a little bit of money before you can get started. Here are some ways to work on this weather you want to do it for free or if you want to spend a little bit of money on it. That way, your home is going to be a lot more green than it has been in the past.

Energy Saving Techniques

See if your trash company has some kind of way for you to recycle things. If you can get rid of cardboard boxes and things like glass containers, then you can save the environment a little bit at a time. Plus, you can save a lot of room in your trash so you don’t have to deal with it piling up and becoming a bigger problem than before. A lot of people don’t understand that recycling is very easy to do as long as you pay attention to how you are throwing things away.

You need to start paying attention to how much energy you use in terms of having lights on in your house. A lot of people just leave all of the lights on in their house all the time and they don’t know that this is costing them a few cents all the time. It may not cost you a lot of money in the month that you are leaving the lights on, but it does add up over time and it can end up costing you at least a hundred or so dollars a year. That can really add up and is not really that hard to stop doing.

You may want to try to get solar panels put on your house. Since Orlando is a sunny place a lot of the year, then you can make sure that you are harnessing the power of the sun in your home. It may cost a little bit of money to get started with solar panels because you have to get them installed and you have to have them calibrated properly, but after a while they will pay for themselves. Plus, you can sometimes get money back from the electric company every month or two if you go this route. In the event a solar panel causes a fire to your house consider contacting Gagnon Eisele and Rigby attorneys to handle your personal injury case.

Beware of people that try to charge you too much to help you install something on your home like solar panels. You need to call around and make sure that everybody is giving you a price so you can come up with an average price that you should be paying. Don’t go with the cheapest option, however, because they may give you panels on your home that don’t work that well or that break down over time really quickly. You need to go with the middle of the road panels or at least the best ones you can afford. Going with the cheapest things when it comes to saving energy can cause you to actually lose money after a while.

A lot of the things that you use in your home or taking up energy even if you are not using them. For instance, if you have a lot of TVs and video game consoles that are plugged in all the time, they are drawing energy. If you see a little light on that is showing that the device is off, for instance, this is taking up energy all day long. It may not be that big of an amount of money that it is costing you, but if you add up all of the things in your home that are plugged in at this point in time it could be costing you a few bucks every month and that really adds up.

A final energy-saving technique is to always try to make sure that your home is well-insulated and that the windows work properly. Sometimes your windows can be drafty and if that happens then you may be charged more for electricity so you can cool or keep your house warm. When windows leak air gets out or air comes in that is the opposite of the air you’re pumping out of your HVAC system. That is not a good thing and it can cost you hundreds of dollars a year.

When you use energy saving techniques in Orlando, you will save a lot more money on your power bills and other utilities. You will also help the environment which is a good thing because it gives you peace of mind about it. It’s really important that before you get started with all of this you find the right people for the job if you are doing something like having solar panels installed. You can use the tips that you were given here to help you get started so that you know what you are doing and don’t make very many mistakes.

Learn 14 Questions To Ask A Potential Energy-Saving Water Heater Installer

Owning a home is a privilege that you worked hard for. You probably dreamed of it for years, working hard to scrape up a down payment and cleaning up your finances for a good credit rating. Finding the right home is an arduous process, but you were probably surprised to find out that so is getting the right mortgage and then also going through the process of actually making an offer, inspecting the property, formally buying it, and then moving in.

Once you do have your own space to rest, relax, and refresh, as well as spending time with friends and family or just enjoying yourself, the work is far from done. You have to maintain the home, occasionally even doing upgrades or replacing things. New Water heaters often last years, but not forever, so the day will come that you either need to replace the old water heater because it’s a lost cause or no longer worth it, or you might choose to go ahead and get a new energy-saving water heater for the benefits. New models have cutting edge technologies that help reduce the amount of power they need to heat water, so your utility bills go down. You also minimize your impact on the environment.

When it comes time to find an energy-saving water heater installer, you need to call around the potential candidate businesses in your area to find out who has the right price and who just feels right to you. Use the following 14 questions to guide your conversations with them:

1) How long have you been installing energy-saving water heaters? Start here just to make sure you’re dealing with an industry professional and not some do-it-yourselfer trying to make a few extra bucks on the weekends as an aspiring contractor.

2) How long have you been installing energy-saving water heaters in this community? This is a natural follow-up to the previous question. Industry experience is great, but someone with at least three years of experience in your area is not someone likely to skip town. They’re also used to the common architectural and home styles of your neighborhood, as well as local building codes and rules.

3) Do you have particular brands or models you recommend? If you’re looking for an installer, you’re also in the market for what they’re installing. If you haven’t already bought one or ordered one on your own, it’s worth getting their professional opinion on what’s best.

4) How long will the installation take? It’s good to know how many hours this should take so you can plan your day accordingly.

5) Will you remove the old one? If you need a water heater installed, then you probably need the old one removed first. You might be able to do that on your own, but if that were the case, you probably wouldn’t be relying on a professional for the installation.

6) Can you dispose of the old one? You probably don’t live somewhere that you can fit an old water heater in your trash can, and just dumping it in the backyard isn’t a good idea. Most installers should be willing to take the old away, possibly even recycling it or selling the metal for scrap. Just see if this is free or if there is a disposal and removal fee they might hit you with at the end by surprise.

7) How much money should I save on my power bill? Everyone’s power bill is different, but a veteran technician should have some idea how much water your home uses just based on how many people live there.

8) How long will the new energy-saving water heater last? The projected lifespan and service cycle of new water heaters is starting to rise. If you’re planning on staying in that home for a while, it’s good information to have, or at least you can pass it on to new owners.

9) Is there a time of year that energy-saving water heaters are cheapest? Sometimes there are times of year where excess inventory is discounted to make room for freshly manufactured models. If your old water heater can hang on until then, you might save hundreds.

10) Is your work licensed, bonded, and insured? Which of these is necessary and to what degree will rely on a combination of state and municipal rules, regulations, and laws. Just make sure they are in compliance with local standards, if not exceeding them.

11) Has the technician you’re sending been background checked? You have the right to know who is going to enter your home. If necessary, run your own background check.

12) Do you price match competitive bids? Don’t be shocked if some businesses don’t do this, as they might have services that don’t match others. If you do find one though, you might benefit from a little bidding war.

13) What service guarantee do you provide on your work? Even if the water heater comes with its own warranty, you should only get it installed by a professional or business that stands by their work. Check online reviews, your local Chamber of Commerce, and the Better Business Bureau to see how they do in this regards.

14) Will the new water be just as hot as the old? You obviously don’t want the new water heater installation to be putting out water so scalding that it burns you, but you do want your baths and showers to be as clean and comfortable as you are used to. You also want things like the dishwasher and washing machine to function properly.

As stated earlier in the article, choosing to have an energy-saving water heater installed can both save you money and help reduce your carbon footprint, helping save the world. Use these 14 questions to interview the professionals you consult as you shop around for someone to install your new energy-saving water heater.

How To Choose The Best Solar Panel Installation Company In Orlando

If you are in Orlando, and you have decided that it is time to get solar panels for your home, you will need to find an installation company that can help do this. People are realizing that solar energy is the future for electrical power, and because it is so much cheaper to install these today, more people are choosing to have them installed. You will have to do research on the best type of solar panels to use, or you can let the solar panel installation company to do this for you. Here are a few tips that you can use to find the best solar panel installation business in the Orlando area that can install your solar panels for you.

An Overview Of How Solar Panels Work

Solar panels use light from the sun to scatter electrons that are revolving around atoms. In doing so, the electrons will flow, creating electricity, and this is possible because of photovoltaic cells. The photovoltaic cells that are used today are made of a substance called crystalline silicon, which comes in two different forms. There is polysilicon and monocrystalline silicon, of which monocrystalline silicon is the most energy efficient. When these are placed into large panels, they are able to generate a substantial amount of electricity.

How To Find A Solar Panel Installation Company In Orlando

If you are in Orlando, you can easily find solar panel installation companies that will be able to help you out. There are many companies that provide this type of service. Your job is to simply evaluate them, looking at feedback they have received from prior customers in order to determine which one is offering the best service. You may find that one company above all of the others is more highly recommended, but you will want to get quotes from the top three businesses. These can easily be found by looking at the local listings on Google which will show you the top three businesses that are providing solar panel installations in the Orlando area.

The Best Way To Get Discounts On Your Installation

In order to get a discount on your installation, you must look for companies that are currently offering a discounted price. This could be on the cost of the solar panels, and also the installation, making this much more affordable. It may actually help you save hundreds of dollars on the installation, but make sure they are using monocrystalline solar panels, not polycrystalline, as these are much more energy efficient. If they can guarantee the lowest price for a monocrystalline solar panel installation, this is the company that you will want to choose.

Determine Who Can Do The Installation In The Shortest Period Of Time

If you need to have this done quickly, in the next few weeks, you need to choose a business that can work with your schedule. One company may have the best price, but they may be scheduled out for several weeks in the future, and you may need to have it done much sooner. You could be selling your home and you are trying to get a better price by installing solar panels on your property. The business that is able to accommodate your schedule, and is also very affordable, is the one that you will want to hire.

Once you have done this research, you will know exactly what company to choose in Orlando for your solar panel installation. They will be able to provide you with an excellent deal, and install everything in a minimal amount of time. The actual installation of the solar panels will take a couple of hours if it is a small job, or as solar panels that will extend across your entire roof could take most of the day. Additionally, if they are installing a solar panel array which consists of multiple solar modules, this could also take additional time. In just a few short weeks, or perhaps in the next few days, you will soon have access to solar power created by these solar panels that will be professionally installed. Start contacting Orlando based solar panel installation companies today so that you can start saving money on your electric bill.