Monday, September 17, 2012

It’s Child Passenger Safety Week

Child Passenger Safety Week is today, September 17th through the 22nd.

Car crashes are the number one killer of children 1 to 12 years old in the United States. The best way to protect them in the car is to put them in the right seat, at the right time, and use it the right way.

There are so many car seat types and models, how do you know which one is right for your child? The right car seat or booster fits your child and your car, and is one you will use correctly every time you travel. Not only will your child ride as safely as possible, you will be establishing the foundation for a lifelong habit of seat belt use every time your child travels. Knowledge is power. Learn more to protect your child from injury and death in a crash.

Learn more about child passenger safety: http://www.safercar.gov/parents/carseats.htm#

Wednesday, September 12, 2012

Greensburg Oktoberfest

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Greensburg Oktoberfest will be this Saturday, September 15th at Hempfield Park. It will raise money for a heart transplant. .There will be beer from the Rivertowne Pour House. Beer tasting requires a valid photo ID and a $20 donation. The event will start at 3 PM and end at 10 PM. The will be beer, food, Bavarian girls, 50/50 raffles, silent auctions and more.  Tickets Available At The Door.

Wednesday, September 5, 2012

Buying vs Leasing vehicles

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When it comes to buying or leasing a car the options can be confusing. To help you make an informed decision we have provided the information below.

Buying

Who Owns It

Whether you pay for the car with cash, or finance it and make monthly payments, either way it’s yours. Of course, if you’re financing it, you’ll have to meet the obligations the lender requires, like a certain down payment amount and timely monthly payments. If you don’t, they have the right to repossess it.

Up-front Costs

If you’re financing it, the bank will probably request a down payment. You can also trade-in another vehicle and use any equity towards your down payment. The amount of the down payment is usually based on the lender’s requirements and your credit score.

Future Value

Your vehicle will be worth whatever you can sell it for in the future and that depends on how well you maintain it. (Be smart and protect your investment with regular scheduled maintenance by a factory-authorized facility!)

End of Payments

Once you’ve paid off what you owe on your contract, that’s it. Your vehicle is 100% yours. The lending institution will send you a Lien Release as proof that the vehicle is completely paid off and all yours.

Leasing

Who Owns It

You do not own the car when you lease. You’re paying for the use of the vehicle, but the finance institution that you leased it through actually owns it. This is usually why you pay less per month in a lease than if you were to buy the car. .

Up-front Costs

Leases often do not require any type of a down payment. All you usually have to pay is the first month’s payment, a security deposit, the acquisition fee and other fees and taxes. But, as with a purchase, if you want to lower your monthly payments you can always pay more upfront.

Future Value

In most leases you don’t end up owning it so you don’t end up selling it. That’s the financial institution’s job. Although you may have mileage limits and wear and tear guidelines that, if you exceed them, could cost you extra money when you turn your vehicle back in.

End of Payments

Most people return the vehicle at the end of the lease term. But some like to purchase it during their lease or at the end. Others like to trade it in before their lease is over. Just ask us about these different options before signing any paperwork and we’ll make sure you have your lease set up the way you want it.

Best Cars to Lease

The best cars to lease are those with the best book value after the term of the lease. Since they depreciate less, you pay less. Review the lease ratings to see which cars retain their value.

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