7 tips for getting the best car loan possible



If you’re considering buying a car, odds are you’re thinking about getting an auto loan as well.

Below are seven crucial tips about auto loans that will help you find a financing solution that’s a good fit for your needs so that when the time actually comes to buy a car, you’ll be ready to roll.

1. Aim for shorter terms

If your financial situation allows for it, choosing a shorter loan term offers certain advantages.

Not only will the interest rates be lower the shorter the term, but you’ll save by paying less overall for your vehicle. Plus, you’ll be on the path to paying it off sooner.

If you can’t afford the monthly loan payment on the car you want with a shorter-term loan, then you might consider waiting until you can make a slightly larger down payment.

2. Pay it down

Whatever your dream car may be, the bigger your down payment on it, the lower your interest rate will be. At a minimum, you should try to put down at least 20%. The general rule of thumb is that for every $1,000 you put down, your monthly payment will decrease roughly $18.

3. Time it right

Timing is everything, especially when it comes to buying a car. If you can, wait until the later months like October, November, or December to shop.

Also, try to look later in the month and earlier in the week, as these are the times when salespeople are trying to meet their quotas and therefore are more likely to negotiate down to lower prices.

4. Cover those taxes & fees

Among the things that are often overlooked until the end of the car-buying process are the taxes and fees. If you can, try to account for these in the beginning of the process and pay them off in cash. It may sound like a small detail, but it can save you hundreds of dollars over the course of your loan.

5. Refinance & save

There are many situations where refinancing your existing car loan can save you money. Your credit may have improved or maybe you just want to lower your monthly payments.

Whatever your situation may be, refinancing may be the quickest way to a better interest rate. Try this calculator to see if refinancing might be right for you.

6. Consider going through a credit union

While credit unions can help you consolidate an existing auto loan, they're also a good first choice to finance a loan.

Walking into a dealership with an already-approved auto loan from a credit union gives you a stronger bargaining position. See if the dealership can beat the rate you have.

7. Use conquest and loyalty discounts

If you are buying a new car, never leave this discount behind. The amount can be $500-$2500 to keep your loyalty or to get you to buy into a competing brand.

Is your car a lemon? How to tell — and what to do about it



Does your car spend more time in the shop than in your driveway? And for the same repairs, over and over again?

Congratulations — you might just have a lemon.

The term 'lemon' is often tossed around to refer to any beat-up car, but it’s actually a legal distinction, indicating a defective product that is therefore covered under applicable statutes and special lemon laws in your state.

Ok, it's not exactly something to celebrate, but the good news is you do have the leverage to seek a refund or replacement and maybe reimbursement for repairs.

All thanks to lemon laws.

What are lemon laws?

Before I talk about what lemon laws cover, let me be clear about what they don't: any complaints about a vehicle’s fundamental design or other non-critical issues such as squeaks and rattles, minor vibrations, or fading paint.

Lemon laws only apply to problems that either impair the normal operation of the vehicle or affect its value, intended use, or safety — problems that the manufacturer has failed to fix satisfactorily after ample opportunities to do so.

If you have a vehicle that breaks down or fails in some way, even frequently, but in different ways each time, then you're probably NOT going to be covered. The awful truth in that case is probably that you don't have legal grounds to be reimbursed; you simply have an unreliable, trouble-prone, or poorly designed car.

The term “lemon” is often tossed around to refer to any beat-up car, but it’s actually a legal distinction, indicating a defective product that is therefore covered under applicable statutes and special lemon laws in your state.

Lemon laws vary from state to state. In some states, used vehicles are covered, and in others, the law applies only to new vehicles. Some states may also include motorcycles and RVs in lemon laws.

How do I find my state's specific lemon law?

Check the Center for Automotive Safety for state-by-state lists, including details about what’s covered under lemon laws and contact numbers for more information on each state.

How do I know if my car is covered?

Here are three basic conditions you need for your car to qualify for lemon law coverage:

1. They’re doing the same repair over and over again.

The vehicle has an issue that's ongoing or has occurred repeatedly that you've first given the manufacturer (through a dealership service department) several chances to repair. Lemon law usually applies only after the manufacturer has tried to fix a particular problem three or four different times (depending on the state) and has failed to provide a lasting solution.

Again, if your car has had many different but unrelated repairs during the warranty period, then it is not covered by lemon law. Your best solution in that case would be to contact the manufacturer and inquire about the possibility of a warranty extension.

2. It’s a nearly new vehicle (to you).

Lemon law only applies during the first year or two and first 12,000 or 24,000 miles of vehicle ownership, depending on the state. Identification of the problem and all of the repair attempts must be made during this period. If the problem first occurred in the first year of ownership but subsequent repairs were not made until later years, then the vehicle will likely not be covered under lemon law.

3. You own rather than lease.

Lemon law does not usually apply to leased cars. That’s because the manufacturer or a bank is the actual owner of a leased car, and lemon law often only applies to the original buyer even if the car was bought used when less than a year old.

How do I strengthen my case?

1. Keep all your repair documentation.

Document each repair done during the warranty period. Keep all of your receipts. Consumer laws won’t apply unless you keep your own records as proof of all repairs done. Keep copies of the original repair order for each repair and make sure that the dealership correctly documents your problem and how long your car was in for the repair (In some states, 30 days in repair in the course of a year defines a lemon car). Also, make sure you get a repair invoice for repairs covered by technical service bulletins.

2. Create and keep your own documentation.

If a component of your car that has already been repaired fails in a situation where it puts your safety in jeopardy or causes an accident, document it with pictures, witnesses, and a police report, if applicable.

How do I file under lemon law?

Filing a complaint and getting the lemon law process underway again depends on what state you reside in and where you purchased the car.

In some states, filing a lemon law complaint involves no more than filling out a formal complaint form, but in many other states, it is a more complicated legal process and involves the hiring of an attorney.

In either case, the advice of an attorney who is familiar with your state’s lemon laws will increase your chance of getting the refund.

If satisfactory action still isn't taken, be sure to lodge a consumer complaint with the National Highway Traffic Safety Administration. Consumer complaints are the primary signal for the NHTSA to launch an investigation on a particular problem. This often leads to recalls (if it relates to safety in some way) or technical service bulletins regarding the problems.

NOTE: The 30-day lemon law for used cars means that if a car is being repaired for 30 days out of a year, it is a lemon. However, the nuances of the law vary by state. Whether or not the lemon law can be applied to a used car with no warranty depends on the issue with the car and the specifics of the state’s laws.

So never buy a car that says “no warranty expressed or implied” as you will have no protections. Buyer beware.

What if my car isn't covered?

In the case that the lemon law doesn’t apply to you or if lemon law doesn’t give you the retribution you desire, there are often other laws that may apply.

If your car is highly troublesome but not covered under lemon law, first try contacting the regional service representative of the manufacturer. Document and request return receipts for all communications. Manufacturers will often take generous actions to maintain their reputations.

I hope you don't need the above information. But if you do, I hope you find it useful — and don't get too frustrated with the process. We all know what they say about life giving you lemons.

What I learned from having 3 kids under 3



Implausibly, October is here. My eldest turned four yesterday. Dare I say that disbelief at the pace of the passing of time — whether the unbearably long days or the unfathomably short years — is a universal maternal experience?

Oh, the melancholia of motherhood ... the slippery seconds, the diamonds raining from the sky, the inability to catch them in your hands for longer than a moment.

Because our social lives as moms have been so hollowed out by technology and the changing participation of women in the workplace, all of these little things in their little ways now require courage, consistency, and creativity.

Now that I no longer have three three and under, I thought I’d share my lessons learned from the experience, because people often ask how I manage.

I don’t know if I’ll ever feel fully qualified to proffer parental wisdom. The proof of the pudding is in the eating, and my kids are underbaked. But in terms of keeping one’s sanity and smoothing day-to-day operations, I think I have some helpful tips to share. My advice boils down to three virtues: courage, consistency, and creativity.

Courage

Victim mentality is the antithesis of courage. It is pervasive, and it is practically, spiritually corrosive. Reject it.

One of the defining spirits of the modern age — unfortunately for everyone — is that which defines the self as a perpetual victim of circumstance and makes appeals to others, for pity or provision, on those terms.

This is the heart of identity politics, and of leftism generally, and so plays a major role in formal political discourse domestically and internationally. But the political right is not a stranger to this pattern of thought. In fact, self-identified right-wing people often indulge it while they denigrate it in others.

Take for example the ascendant “meninist” movement, which in many cases has retained the icon of victimhood but simply switched its subjects from women to men. As a Catholic, I cringe to see the same tendency in reactionary traditionalist movements that seem to relish their status as perpetually persecuted. Social media enables it by structurally prioritizing talk over action.

Victim mentality is dangerous, especially at scale. I would argue that it paves the way for totalitarianism. This mindset arrests the individual’s capacity to self-govern and achieve real things in the real world by redistributing responsibility through externalizing locus of control. It relieves persons and groups of the culpability and consequences of their actions.

To a mind colonized by a victim narrative, free will is alien, and the triumph of the will over challenges big and small is regarded as impossible. If someone succeeds, it must have been either a matter of luck or corrupt scheming.

But rarely does victim mentality result in true openness to the circumstances of life; instead, it encourages what Nietzsche called slave morality: cowardice, passive aggression, pathological consumption, and parasitical claims on the goods and services of others to compensate for one’s own impotence and discomfort.

Modern mothers are no exceptions to the zeitgeist. We are all subject to mainstream media and cultural narratives encouraging us to indulge our own sense of victimhood when things get hard. The nature of modern technology encourages passivity. And if we aren’t careful, we can wallow. Life is unfair. No one is helping me. My husband doesn’t do enough for me. Society doesn’t do enough for me. My kids don’t do enough for me. There’s no sense in trying; things will never get better. This is too hard.

It’s easy to indulge because it’s plausible and because selfishness is wired into humanity’s genetic code. Raising children under the current socioeconomic conditions can be a real challenge.

Sometimes our kids scream through the grocery store from entry to exit without ceasing, responding neither to discipline nor to desperate pleas for cooperation. Sometimes our husbands disappoint us. Sometimes our efforts seem futile, and the “payoff” for maternal investment remains unclear for a very long time, by definition.

But it has been so unspeakably important, in my experience, to resist the temptation to indulge these kinds of thoughts because they lead directly to passivity, despair, and consumerism.

We can confront and negotiate the problems in our lives, and even the selfishness of other people, without allowing ourselves to self-identify, explicitly or implicitly, as victims. In order to resist, we must put ourselves in the driver’s seat.

  • Stop complaining. This is the one-way street to victim mentality. Realize that however much we may be disappointed by others, we disappoint them too. If we must negotiate our problem, orient speech toward action.
  • Evaluate circumstances objectively, and wonder at, first and foremost, possibilities for action. Seek, and ye shall find. If you seek reasons to despair, you will find them. If you seek reasons to push, to reach higher, to go deeper, to forebear, to love, and to have courage, you will find them. This is a fundamental mindset shift toward positivity and production rather than negativity and consumption.
  • Find the courage to fail. Believe in the possibility of action and results, and make goals — but choose action despite the possibility of failure. Objectively observe your own role in the order-to-chaos ratio of your life. How can you improve for the sake of improvement regardless of how you might be immediately gratified?

Consistency

An object in motion stays in motion. Take this literally and figuratively.

One of my earlier essays covers how retraining my brain to operate like an athlete’s made me a better mom. In terms of mindset, this dovetails perfectly with what I’ve just written about victim mentality and goes farther to emphasize the importance of literal physical activity.

I cannot overstate the degree to which prioritizing my physical health, mostly by lifting heavy almost every day, has given my days structure and magnified my energy in every other area of my life. This principle works just as well for intellectual goals as for bodily goals.

Whenever I feel depressed or anxious, exercise is the silver bullet. But how do you find the time?

Simple: Choose it, and stop making excuses. Establish routine and structure, buoyed by the resolute determination to get out of the house every single day. Holding myself to this simple principle by continuously making the choice to embrace the annoying transition from the house to the car to the stroller and back again has done wonders for my mental and physical health. If you can simply make consistent movement a habit, it compounds. Over time, it becomes pleasurable.

Creativity

Find your community, no matter how unconventional the means.

The final helpful lifestyle shift that I believe is foundational to a good motherhood experience is twofold: creativity and community. These things go together. Creativity fosters community, and community fosters creativity. When you find what you love to create, it attracts like-minded people. When you find people you love, you will be energized to create on their behalf.

To make community work in the modern world, one must be willing to be creative in pursuit of it. A combination of the previous mindset shifts (“I have agency over my circumstances, and I can move freely in the world to achieve my goals”) must be present as well as a willingness to try new things in order to meet people and maintain friendships.

Loneliness is one of the primary factors in poor mental health for modern moms. Isolation feels baked into the cake of American society, but this isn’t inevitable! No one ever said fellowship would be easy.

The victim mentality would have lonely people believe that they are lonely because no one is reaching out to them. The couch potato mentality would have lonely people believe that because getting out of the house to commune with friends is difficult that there is only one way of doing this and that it is unworthy of doing.

Here’s where all the principles dovetail together. The COURAGE mentality encourages lonely people to find friendship in the world despite potential rejection. The CONSISTENCY mentality fosters a willingness to fail or to be rejected, and once friends are found, keeps them close through a sense of mutual duty and sacrifice. And CREATIVITY helps on the front end to find your people, and all throughout, to keep in touch with them.

Start the group chat. Start the playgroup. Ask someone to work out together. Attend birthday parties. Bake the cookies. Deliver the postpartum meals. Volunteer. Throw the cocktail parties. Buy outdoor art supplies for the kids and invite moms over for tea.

These actions seem mundane, perhaps antiquated. Because our social lives as moms have been so hollowed out by technology and the changing participation of women in the workplace, all of these little things in their little ways now require courage, consistency, and creativity. Despite whatever difficulties I endured moving from zero to one, they are what have made my life as a young mom of three boisterous little children not only bearable but deeply enjoyable.

Hope these were helpful. I’d love to hear your perspective in the comments section: What helps you persist in motherhood?

How to break free from Big Tech slavery



Learning some arcane and challenging things is necessary to be truly literate in a topic, even if it seems a little outdated. For instance, many scholars say you can’t truly be literate in the Western canon without a knowledge of Latin.

Likewise, I would argue that you can’t be truly computer literate without at least a basic understanding of Unix. And you can’t be sovereign in a field without being literate, so you can’t be digitally sovereign without knowing Unix.

Some variants of Unix run most of the world’s servers, like the web server you’re reading this article on now. Unix is at the heart of Google’s search engine. If you’ve ever used an Android phone or an iPhone, you have unwittingly used a spinoff of Unix.

What is Unix?

But what is Unix? That can be tough to answer since, like a Portuguese man o' war, Unix isn’t a single, definable thing but a collection of things. Part of the Unix philosophy is to have a collection of small, modular, highly specialized bits of software that all work together.

At the heart of Unix is what’s known as the kernel, which is the very low-level software that runs the computer hardware. On top of that are the apps and utilities that you, the user, actually interact with. The kernel is Unix. The software that runs on top of the kernel is also Unix.

Unix was initially developed inside Bell Labs in the 1960s by Ken Thompson and Dennis Ritchie, but it escaped the clutches of AT&T to create innumerable offshoots and offshoots of offshoots, all of which can collectively be referred to as Unix.

When Apple fired Steve Jobs in 1985, he founded a new company called NeXT that produced an operating system called NeXTSTEP based on — you guessed it — Unix. When Apple purchased NeXT in 1996, bringing Steve Jobs back into the fold, the company rebuilt Mac OS from NeXTSTEP, keeping the UNIX underpinnings. What was then known as Mac OS X was later refactored to power the iPhone, the iPad, the Apple TV, the Apple Watch, ad infinitum. Apple’s entire product line is built around Unix in some form.

Linux and the open-source revolution

Perhaps the most significant Unix spinoff, called Linux, was created by Finnish developer Linus Torvalds in 1991. What made Linux novel was its open-source philosophy. Linux was totally free to download and share. What it lacked in usability or technical support, it more than made up for by the simple fact that it was free.

Linux will never be a significant player on most ordinary people’s desktops. Something as simple as installing a printer can be a nightmare. But despite that, Linux’s free nature makes it the most ubiquitous operating system in the world. It’s an economical solution for giant server farms running thousands of servers. It’s flexible and cheap enough to deploy, running many small gadgets around your house.

The power of Unix

Stripped of its shiny commercial veneers, Unix is all about raw power. It’s fundamentally a command-line operating system by and for computer geeks. It’s a construction zone littered with tools, scaffolding, and power cords. Unix does not hold your hand and it does not suffer fools. With the right commands, it will happily let you destroy your entire hard drive without so much as an error message.

However, for those brave enough to conquer it, Unix holds unlimited power. And that power has been wielded by some of the most powerful men in the world, like Jeff Bezos, Steve Jobs, Mark Zuckerberg, Larry Page, and Sergey Brin.

If you truly want to be the master of your digital destiny, you must venture into the dark depths of Unix.

How to try Unix

Running Unix on your computer once meant a difficult and treacherous Linux install. These days, you have multiple options for trying Unix from the comfort of a Windows PC or a Mac.

Since macOS is built on Unix, it’s as simple as opening the Terminal app, found in /Applications/Utilities. Or press Command-Space and type “terminal.”

At one time, Microsoft viewed Linux the same way the United States viewed the USSR. That’s changed, and the company now offers a baked-in way to install Linux alongside Windows in a single command called Windows Subsystem for Linux. It’s a little more complicated than on a Mac, but not by too much.

You can even access Linux on a Google Chromebook — since a Chromebook is just Linux with a Web browser slapped on top. Google offers a setting to access the Linux underpinnings.

Here’s your homework assignment: Investigate one of these options for your machine and make your way to a command prompt. But once you get there and the cursor blinks at you … then what?

Stay tuned. We’ll tell you what to do next. In the coming months, Return will be publishing simple guides to help all of us take back our digital sovereignty.

Stop The Holiday Madness! 5 Steps To Get Guests Through An Orderly Buffet Line

Tired of guests wandering around the kitchen and making a mess while elbowing others in the face? This guide is for you.

Here's how ​NOT to get shot by police



Jason Whitlock dropped a truth bomb in this episode of "Fearless" on BlazeTV. He explained that he presents himself to police officers in a way that demonstrates he is not a threat.

“As a man, my first responsibility is to secure my own survival and to protect myself. And so, as it relates to my engagement with the police, I take control of that by my actions. I give off an energy to police. I present myself to the law enforcement, present myself to others in a very respectful manner,” said Jason.

Jason says, when it comes to engaging with police and avoiding an altercation, it’s really just about your attitude and being the change you want to see. If you want to be respected, give police respect. "Don't dress like a thug, then get upset when you get treated that way," Jason said. Some formulas just work. Watch the clip to get what Jason had to say.


Download the podcast here.

Want more from Jason Whitlock?

To enjoy more fearless conversations at the crossroads of culture, faith, sports, and comedy with Jason Whitlock and Uncle Jimmy, subscribe to BlazeTV — the largest multi-platform network of voices who love America, defend the Constitution and live the American dream.

The REAL Thanksgiving 'survival guide' in the age of Trump

Thanksgiving is upon us again. That means turkey, crowded airports, traffic, and seeing loved ones whom we may only get to see once or twice a year.

But in the age of Trump, it also means that it’s time for patronizing “think” pieces that tell people how to deal with their POTUS-supporting relatives while passing the cranberry sauce. Case in point: this post over at Salon that encourages liberals to politically convert their family members with “radical empathy.”

While condescending and eye-rolling, that piece is a far sight better than other such how-to guides that were published in the wake of last year’s election and the anxiety of the transition period. And anything is better than trying to get people to talk about over-regulated health insurance over the holidays, circa 2013.

But trust me: None of these how-to guides are necessary.

Are the people this post is trying to help so fragile that they can’t handle their own family members who, gasp, disagree with them? And is this so common that it merits a post in a national publication? The answer is obviously yes. It’s tragic, but that’s just where so many are right now.

But why must we worry about things like this? Are we really so impoverished as a society that we have to have manuals for how to navigate talking toxic politics at a time that really ought to be for other things and other conversations?

More importantly, is membership to our political tribes more important to us than membership in our own families? Do we have nothing better to talk about?

As if it weren’t obvious, politics is a dismal business, though unfortunately indispensable. If all men were angels, as Madison said, no government would be necessary. If only.

Yes, how the republic is run and what it stands for are very important subjects that merit discussion, but they aren’t the most important ones, especially on a day set aside to give thanks for the important things.

If we care about our republic, we will tend the gardens of family, faith, community.

These things make life worth living. These are the things that give life meaning in the first place. They ought to animate how we look at politics, not the other way around. When that system is inverted — when political conflict starts to drive wedges into these areas — the result is misery.

So, trying to politically evangelize over candied yams might not be the best use of the only time that you’ll see Uncle Bruce and Aunt Tammy this year. If they force the subject, be the bigger person and change it. You’ll all be glad in the long run.

So how do you deal with your relatives who may not agree with your brand of politics? It’s a shame that the question must be asked, but here goes:

Love them. Commune with them. Ask about their kids, their churches, their gardens, their latest hunting trip, what’s going on in their lives. Give your mind at least a day off from the machinations of politics and politicians. It’s good for you, and good for your relationship with Uncle Bruce and Aunt Tammy.

Let there be peace among the tribes for a moment. Then see if you can keep that peace going for longer than a turkey-laden Thursday.

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