Factors to Consider when Purchasing a Car

carThere are many different factors to consider when purchasing a car. One of the most important things to think about however is your budget. Many potential buyers focus on the car they want and fail to consider if buying their dream vehicle fits into their budget. The car’s cost is not the only thing buyers should think about, some factors to think over when making your budget and searching for the right car include:

Figure out your Budget: Unless you can purchase your car in cash, most people will need to finance their car. Decide how much money you can afford on a monthly car payment; experts recommend that you shouldn’t spend more than 20% of your monthly income on a car payment.

Financing your Car: Think about how long you will finance your vehicle. Longer loan terms will lower your monthly payments but you pay more interest in the long run. Alternatively, a shorter financing period will make monthly payments higher but you will you pay off your car faster.

Find the Cash: Decide how much cash you can put towards the car purchase. The more money you put towards the car, the less you’ll need for your car loan. You can pay your car loan off faster and save more money in long run.

Find the Car: Only after you’ve calculated your budget should you decide on what vehicle to buy. Decide whether you will purchase your car used or new, or if you plan to lease a vehicle. These factors will affect what cars you can afford. Project the long-term costs of the vehicle, including insurance, gas, and maintenance.

Real Local Pages (RLP) can help you find a local dealership, auto repair shop, or auto broker for your car. RLP is an online directory of businesses and services across the United States. Visit the RLP website, http://www.reallocalpages.com to get started. Type your state and city to narrow your search; then, enter keywords like “dealerships” or “auto” into the search box on the main page. Site users can also search by picking a category from the Popular Categories list on the home page. The results page will display the name and information of the business. Use Real Local Pages to find a variety of businesses, from car dealerships to bakeries.

Bite the Bagel

bagelA crispy and delicious toasted bagel slathered with cream cheese or butter is a popular breakfast food, especially for busy people to eat on their way to work.  Bagels took off as a breakfast food when Lender’s Bagels began selling packages of frozen bagels in the 1960s. Bagel-like foods can be found in many different cultures; the Uighurs of China made steamed and baked rolls with a hole in the center, and in Italy, a sweet, bagel-shaped bread called taralli has been enjoyed since the 14th century.

The modern bagel however has its origins in Poland. Legend has it that a baker in Vienna invented the bagel to honor Polish King Jan Sobieski who defeated the Turkish army in 1683 at the Battle of Vienna. King Sobieski loved horses, so the baker formed the bread in the shape of a stirrup, or beugel in German. Bagels became a specialty of Jewish bakers in Poland and other parts of Eastern Europe; in the 1800s, these bakers brought their recipe with them when they settled in New York. Traditional bagels were made using flour, yeast, salt, malt, and water instead of egg, which made the bread harder. The dough was shaped into rings, which were then briefly boiled in water before baking. This process gave bagels a crispy surface and chewy consistency, bagels were only good for a few hours, after which they’d be too tough to eat.

The large numbers of immigrants coming to New York from Eastern Europe in the late 19th and early 20th century created a huge demand for bagels. Eventually, the bagel caught on with other New Yorkers, Lender’s Bagels further popularized the food so that by 2008, Americans were eating over 3 billion bagels a year.

Locate a local bagel shop through Real Local Pages (RLP), an online directory of businesses and services throughout the United States. Visit the website, http://www.reallocalpages.com, and enter your location. On the main page, enter keywords such as “bagel” into the search box, or, choose a category from the popular categories list to search. The results page will display the phone number and address of the businesses. Real Local Pages is a great website to help you find many different types of businesses and services, from sporting goods stores to electricians.

 

New Year, New Sport

Adults_playing_frisbee_DWH01221-300x232Losing weight and getting more fit is the most popular New Year’s resolution but only 46% of people who make resolutions continue towards their goal past six months. Only 8% of individuals making resolutions actually achieve them. Many people become frustrated with their lack of immediate success or give up on their goal of losing weight because it’s too difficult; but getting in shape doesn’t need to be a chore—playing sports is a great way to lose weight while also having fun. Studies show that playing sports is a good way to improve overall physical and mental health:

Physical Benefits: Sports are great way to maintain a healthy weight, but playing sports offers other health benefits. According to the Center for Disease Control, physical activity like sports can lower your risk of heart disease and type 2 diabetes. Sports also strengthens muscles and bones; playing sports helps build muscle mass, and muscle burns more calories than body fat.

Mental Benefits: Besides the great physical advantages of playing sports, being active reduces stress, anxiety, and the likelihood of depression. Playing a sport lowers stress hormones like cortisol and adrenaline while also stimulating the production of endorphins in the body, which improves your mood. Playing sports also makes it easier to fall asleep and have sounder rest. Sports can also improve cognitive functioning and self-esteem. Studies show that active people possess a more positive self-image and have higher confidence. The skills you master while playing a sport boosts confidence and pride in yourself, and these positive feelings can spill over to other areas of your life.

Use Real Local Pages (RLP) to find local sports equipment and sporting goods stores to get the things you need to start a new sport. RLP is an online directory of businesses and services; visit http://www.reallocalpages.com to get started. Enter your city and state, then enter key words related to your search into the search box on the home page. You can also choose a term from the popular categories list or click on one of featured images on the main page to search. The results page will show the listings as well as the address and phone number of the business. Real Local Pages is useful for locating many different types of businesses and services, from auto repair shops to lawn care services.

How to Find Reputable Auto Repair Shops

autoremont-autoteenindusFinding a reputable auto repair business that performs quality work can be difficult, especially when you don’t know what to look for. Do some research before trusting your vehicle with someone; it’s better to find a good business before you need a repair so that in an emergency you are not rushed into choosing a bad repair shop. Here are some points to consider when deciding on an auto repair shop:

Certifications: Ask whether the auto repair shop belongs to any associations (such as AAA, or the Automotive Service Association) or possesses technician certificates from places like the National Institute for Automotive Service Excellence.

Reputation: Ask family and friends for recommendations. Another way to check the service at a particular business is by consulting the Better Business Bureau.

Customer Service: The mechanics and staff at the shop should be courteous and willing to answer your questions. Be wary of mechanics that use scare tactics.

Appearance and Cost: One sign of a good auto repair business is if the shop is neat. Find out the average cost of the repair you need done and compare that with the cost estimate the mechanics at the shop give you. Ask for a second opinion, especially for more expensive repairs.

Repairs: Do the mechanics at the shop have experience working on your vehicle’s make and model? Determine if the shop performs the work that you need done on your vehicle.

Test Run: Before trusting a particular auto repair shop with a costly repair, give the business a test run. Have minor repairs or maintenance jobs done to check if their prices are fair and if the mechanics perform quality work.

Find auto repair shops through Real Local Pages (RLP), an online directory of businesses and services in the United States. Search the RLP website, http://www.reallocalpages.com, by first entering your city and state into the search box, followed by key words like “car repair.” You can also search by choosing from the popular categories list on the home page. The results page will display a list of businesses along with the business’s address and phone number. RLP users can leave reviews of the business by clicking the “add review” button next to the business listing. Use the Real Local Pages website to help you find a variety of businesses and services, from furniture stores to pest control services.