Tag Archives: buying a car

Before and after photos: How many of these can you relate to?

Before: Shopping to your heart’s content and just putting everything on your credit card

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After: Checking your credit card statement a few weeks later

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Before: Registering for your very first semester in college

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After: Realizing how much money you owe in tuition

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Before: Checking one of your FICO scores and seeing that it’s gone up a little bit

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After:
Checking the other two and seeing that they’ve gone way down

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Before: Finding out you finally saved up enough to buy a car in cash

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After: Realizing that it wasn’t as much as you thought, and your options are rather limited

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Before: Being super pumped about finally moving out on your own for the first time

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After: Realizing you’ll actually need a roommate and getting stuck with one who is a total lunatic

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Do you need extra money to catch up on a sudden expense? Life can be unpredictable, and if you’re feeling overwhelmed with bills, J.G. Wentworth wants to help if you’re receiving long-term payments from an annuity or structured settlement. Call us today at 877-227-4713 or chat online with a representative to learn more!

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

4 things you should never pay full price for 

Everyone likes to save money, and when it comes to certain purchases, you could potentially be overpaying. Even when you’re talking about just paying the retail price, there are certain things you should never pay full price for:

Groceries

If you plan your shopping trips strategically, you’ll almost never need to pay retail on your favorite food products and staple items. Check your local newspaper every week for sales, and stock up when you can. Even if you already have plenty of a particular item, if it’s something you know you’ll always need plenty of, take advantage of the low prices when you can. Always maximize sales prices by pairing coupons when you can, and if you need to buy something when it’s not on sale, try to find out if there are available coupons available to lower the cost. The Sunday newspaper is filled with both manufacturer and store coupons, and depending on your grocery store’s policies, you could possibly pair both. Don’t forget to check online for coupons, too. Speaking of online, sometimes you’re better off ordering certain stuff online from websites like Amazon if you want the lowest available prices. Just be sure to always compare your options first so you know you’re getting the best possible deal. It can be a bit of a pain in the neck, but once you make a habit out of it, the savings can be big!

 

Your next car

Nobody pays the sticker price on a car. Seriously. Unless you’re talking a super rare vehicle, private sellers and car salespersons don’t expect buyers to pay the MSRP or the asking price. This is one thing you can always haggle on, even just a little bit. You don’t have to be a big negotiator or anything, either—you can simply ask what’s the best price you can get and it’s almost always a guarantee that it will be lower than what the sticker is saying. If you really want to play hardball, though, you can get the best price possible by checking out our other article that exclusively offers tips for saving money on your next car purchase.

 

Gift cards

When you want to get someone a gift, but just can’t figure out what, you really can’t go wrong with a gift card. But if you’re paying dollar-for-dollar when you go gift card shopping, you’re doing it all wrong. Just a quick search on the web and you’ll find tons of legitimate websites that sell unwanted gift cards from people that would prefer to receive cash, even if it’s at a lesser value. Not only is this a great way to save on your next present for someone, but you can also buy gift cards for yourself to use for just about any purchase you can think of.

 

Video games and DVDs

Unless you want the latest releases, there’s no need to pay full price for DVDs and video games if you’re just looking to build your library. Gently-used movies and games that work perfectly fine will only be a fraction of the cost, and you won’t even notice the difference. From local electronics stores to online retailers, finding used movies and games is easy and can save you a ton of dough. Don’t forget to check clearance bins the next time you’re shopping at a department store or electronics store, also–if you’re looking for something that’s at least a few years old, you can often find a brand new copy at a significant discount.

 

Do you need extra cash to take care of a large purchase or to pay off debt? J.G. Wentworth can help! Contact J.G. Wentworth today to find out how you can sell some or all of your future structured settlement payments for a lump sum of cash.

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

Inexpensive and fun ways to celebrate the first day of autumn

If fall is your favorite season, you’re certainly not alone: many people rejoice when the blazingly hot summer days come to an end. If you’re looking for something fun (yet cheap) to do as you welcome autumn, the following are some ideas:

 

Fruit picking
 
It will vary widely depending on where you live, but in many regions, the beginning of fall is a prime time for lots of different fruit picking—apples, pumpkins, and so on. Compared to the grocery store, you’ll often spend the same (or even much less) by picking your own, and it can be a fun outing for the whole family. PickYourOwn.org is a great resource for finding out what fruits and veggies are available for picking in your area, in addition to listings for specific farms in your town.

 


Halloween events

Even though the beginning of fall is still over a month away from Halloween, it’s not too soon to begin getting into the spirit. Halloween-themed events start to pop up everywhere around this time, many of which offer free or cheap admission. From hayrides to haunted houses, getting your scares in in late September can often save you money with early bird pricing.

 

Stock up on summertime essentials

From swimwear to sunscreen, cooler weather and a change of seasons will mean that many retailers will need to clear their inventory for the fall arrivals. Take advantage of these sales and stock up on what you need, whether you visit your favorite stores at the local shopping mall or shop online. When summertime rolls around again next year, you’ll already have what you need and won’t have to pay full price.

 

Buy a car

Okay, so a car is a big purchase. But if you’ve been in the market for a car for a while now, or your current car is seriously overdue for a replacement, shopping at the right time of year can save you big bucks. According to AutoTrader, late summer/early autumn can be one of the best times of year to buy a new car, so maybe the first day of fall can be the ideal time to make your move.

 

Do you have bills and other expenses to catch up on? J.G. Wentworth can help if you’re receiving long-term payments from an annuity or structured settlement.

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

Secrets that car salespersons don’t want you to find out

If you’re looking to purchase a car, you’ll have to plan accordingly; it’s not as simple as walking into a dealership and walking out with something that matches your needs and budget. At least, it’s not quite that simple if you care about getting duped. It’s no secret that car salespersons have a reputation for being…well, conniving, to put it gently. But the average consumer doesn’t truly realize just how far these sales tactics can go, and the first-time car buyer can be especially vulnerable, which can mean spending far more than necessary.

To find out more about what car salespersons are hiding exactly, we spoke to David Rojas, a former car salesman who now works as a buyer’s advocate. As founder and managing director of The Deal Creator, Rojas assists car buyers through the process from beginning to end to ensure that they get the very best deal possible on their car purchase.

As someone who was once on the inside and has now gone rogue, Rojas shares some of the juiciest car salesman secrets:

They are masters at the game

You may be asking yourself why is it so important to know the inner-workings of a car dealership and how they operate. Obviously they are trying to make money and that’s how they stay in business. But by going in completely unprepared, you could end up getting the short end of the stick.

“You can’t play basketball against LeBron James or Michael Jordan and expect to beat them at their game,” says Rojas. “At the end of the day, it’s their game, and they always win.”

They are creating a story

From the moment you walk into the dealership, a salesperson’s job is to report everything about a potential customer to a manager. The objective is how they plan on convincing that person to drive off the lot with one of the dealership’s cars, and how they’re going to make the most money possible. This often involves a series of what seems like endless questions, including questions that you really don’t have to answer and could potentially cost you.

“They are using this information to write a book and create a plan of attack,” says Rojas. “It’s a way for the salesperson to size up the customer, without the customer realizing it’s happening.”

They’ll try to wear you down

If you’ve ever felt mentally drained after spending an afternoon at the dealership, it’s definitely by design—in fact, Rojas says that for many salespersons, this is part of their sales technique. In an attempt to keep you interested and to get as much information out of you as possible, salespersons are trained to keep asking you question after question so that the conversation never goes stale.

“The customer just ends up signing because they are exhausted and feel bombarded,” says Rojas.

You should almost never pay MSRP

Unless you’re talking an extremely rare vehicle, the MSRP is just that—a suggested retail price. This is by no means the price you should actually pay for the car, unless you’re not interested in saving money. But car salespersons understand that most buyers will try to haggle down the MSRP, and they’ll even pretend that the deal they’re offering you is a terrific one, that they’re losing out on the deal, and that it can’t be beat. But most of the time? It certainly can be. At the end of the day, if you’re unhappy with the final price, don’t be afraid to walk away.

You should always settle on a price first

Rojas suggests that any car-buying transaction be divided into three parts, with the first being a price agreement. You may be asked whether you want to lease or buy, or how much you’re looking to spend each month on your car payments. These questions are all irrelevant to the sale price of the car, and you could end up spending a lot more over the long-term by answering these things prior to settling on your sale price. Before moving forward, settle on a price in writing and get it on a buyer’s order.

After you settle on a price, you can deal with the financing (the second part of the transaction you should focus on), assuming you will be taking out a car loan and you plan on going through the dealership.

Don’t mention your trade-in

If you have a car you want to trade in towards the purchase of your new car, make this the third and final part of your deal—after the sale price and financing (if applicable) have been settled on. Otherwise, you could lose out on the deal by basically getting nothing for your trade-in. Rojas also suggests that car buyers ask to receive a fair amount for their trade-in based on an appraisal, and to walk out on the deal if they won’t comply.

“They won’t be happy about it, because they know they’re losing out on the deal in every way possible,” says Rojas.

 

Do you need a lump sum of cash to make a large purchase, such as a car? J.G. Wentworth may be able to help if you’re receiving long-term payments from a structured settlement or annuity. Contact J.G. Wentworth today at 877-227-4713 to learn more about how J.G. Wentworth can help those getting future payments.

17 signs you need to replace your current car as soon as possible

1. A five-minute drive still means leaving the house an hour early because that’s how long it will take your car to start. Add on an additional two hours during the winter…unless your horrible sound system can thaw out your car.

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2. Panhandlers at traffic lights give you a sympathetic nod and move on to the next car.

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3. Your sick/vacation days have actually become “car won’t start” days and you’ve already used them all up. In one month.

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4. You’ve even gotten fired from multiple jobs as a result of your unreliable car.

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5. You now only apply for jobs that are within walking or bicycling distance.

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6. Your cassette tape player no longer works. But let’s go back to the fact that your car even has a cassette tape player to begin with.

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7. You have so many service lights illuminated on your dashboard, it’s actually easier to tell the mechanic which ones haven’t went on.

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8. You genuinely fear for the safety of others on the road when you’re driving your car.

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9. A lot of the basic essentials are no longer in working order.

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10. And you’ve learned to be creative….

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11. But it’s not exactly convenient.

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12. Whenever you’re able to convince someone to ride with you, they prepare adequately.

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13. You’ve broken down just one too many times. And the fact that it always seems to be dark, in a creepy area, and when your cell phone is about to die is just an added bonus.

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14. You’ve told your boss to just forward your paychecks directly to your mechanic.

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15. Seriously though, there’s just no end in sight when it comes to the costly car repairs.

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16. Your mechanic doesn’t even understand why you bother paying to get things fixed. At this point, the cost to fix it surpasses its value.

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17. You burst into tears pretty much every time you have to drive somewhere.

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J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.