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Financing a car? Keep a close eye on the bottom line

One of the most important questions to answer if you're thinking of buying a car is whether or not you can afford it. You need to be able to know the total price of the car, the length of time of the loan, the amount of the loan payments and how you will afford the car payments. Most individuals make a down payment and finance the rest. On occasion, there will be someone who can pay cash for the car. Understand that when you finance a car, you not only pay for the car, you're paying interest on the loan. Be sure you understand exactly how much your payments total.

When you've got your financing lined up, you can start car shopping. Check both your local bank and your credit union, comparing terms. Make sure you understand the terms of any loan. Some loans will have low payments for the first year, to entice you to do business with a particular financial institution. Then suddenly, you find that the monthly payment or the interest rate charged has changed and now, your car payments are no longer affordable.

If you are a member of a credit union, make sure you talk with the staff there. And if you're not a member, consider joining. The loan application process is often quicker and simpler than that of a bank, money is often available sooner and many times the interest rate is lower.

If you're working with a car dealer to arrange financing, Make sure you understand the terms of any loan and the payment structure. When financing a car, no matter how or with whom, there are some important things to consider.  

First, what's the total price tag on the car and what kind of monthly payments does that entail? Ask yourself honestly, if the monthly payment fits easily into the household budget. If the car payment takes up every dollar with no surplus, you could be asking for trouble. A month of unusually high heat and electric payments or another unexpected bill can put your whole financial picture into jeopardy. If money's tight, you may have to consider a used car to reduce your costs.

If, for whatever reason, it is important to get an new car every three years or so, consider a lease. If your driving habits mean you will be able to stay within the limitations of a lease (mileage, wear and tear), then leasing might be a better option for you.

Understand that motives differ between the car dealer and a financial institution. A dealership is interested in the sale and in the profit that can be made from financing. A financial institution might be a more objective. They probably aren't invested in the type of car you buy - their primary interest in whether or not you can make the payments.

When you go shopping for a car, remember that it is your money that's on the line. Do your research. Don't let anyone pushing you into a deal you're not comfortable with. With research and patience, you'll find the best deal for yourself.

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What does the that mean when we close/open our eyes on kissing our girlfriend?

What happens when we close our eyes when we kiss our partner? And what happens when we open our eyes? And what does it mean by opening or closing our eyes while kissing?

I don't think it necessarily means there is an underlying meaning. Some people find it more intimate to kiss as your eyes are open, and some people prefer them closed. I think it's just a personal preference.

Close Your Eyes - "Song for the Broken" Victory Records