When Is the Best Time to Buy a New Vehicle?

The right timing can help you save big
Buying a new vehicle isWhenToBuyCar_Featured probably the second biggest purchase you’ll make in your lifetime, so doing your homework makes sense for many reasons, not the least of which is it could help you save thousands. And while there are many things to consider, when you buy is commonly overlooked — but it could make all the difference in getting a great deal.

Steve Harrison, executive director of the USAA Auto Circle, lists four things to help tip the scales in your favor, including:

Shopping early in the week
Dealerships usually do the majority of their business during the weekend, so coming in on a Monday or Tuesday could net you not only individual attention, but the salesperson also may be more prone to make a deal due to low sales volume.

Shopping at the end of the month (or quarter)
Most dealership personnel are judged on their sales performances, so a sale during a slow month or quarter could mean the difference between them keeping their job or not. There are also times where the dealership as a whole can get extra money from the manufacturer if they hit certain sales goals, so they may even be willing to lose money on a specific sale to hit those goals.

Making your offer later in the day
Everyone looks forward to the end of the day, especially someone who works long hours. If a salesperson hasn’t made a sale all day, he or she may be willing to push a quick sale through to help build some momentum and turn the day around before heading home.

“Some ‘experts’ will tell you that you can get a better deal on your vehicle in the dead of winter when sales are slow. The truth is that you can get a great deal any month of the year if you know what you are doing,” said Michael Royce, a former car salesman and consumer advocate.

You also want to use online tools, like Edmunds.com, that provide independent research before you decide on your vehicle. And as usual, stop by to see what financing options we can help with so you can shop with the peace of mind that you can afford what you’re purchasing.

Used with Permission. Published by IMN Bank Adviser Includes copyrighted material of IMakeNews, Inc. and its suppliers.


Movie Releases to Look Forward to This Year

See this year’s biggest family-friendly movie releases
Whether you attendMovieReleases_Featured local cinemas with family or by yourself, films have the ability to transport you to an entirely new and magical place. If you are interested in heading out to the movie theater with your family this year, here are five releases you do not want to miss.

“Kung Fu Panda 3” (PG)
Everyone’s favorite martial arts panda is back for a third movie. Po’s long-lost panda father is back in his life and brings Po (voiced by Jack Black) to a secret panda paradise full of new hilarious characters. The supernatural villain Kai is back to challenge Po, which means the panda must train a village full of his panda brethren to fight against his nemesis. If this movie is anything like the previous two, it will be a barrel of laughs for all ages. It is set to release on Jan. 29, so catch it in theaters soon.

“The Jungle Book” (Not yet rated)
As a remake of the 1967 animated film, “The Jungle Book” has a lot to live up to. Directed by Jon Favreau, this version is a 3D adventure fantasy film that follows Mowgli’s journey to self-discovery. Along the way, the boy raised by wolves encounters a variety of jungle creatures, including Kaa, the hypnotic python. You may hear some familiar voices in this cast, including Scarlett Johansson, Idris Elba, Bill Murray, Lupita Nyong’o, Christopher Walken and Ben Kingsley. Set to release on April 15, this newest retelling of the Disney classic is sure to delight.

“Alice in Wonderland: Through the Looking Glass” (Not yet rated)
“Alice in Wonderland: Through the Looking Glass” is yet another film from Disney, based on the classic tale by Lewis Carroll of the same name. This continuation of the popular “Alice in Wonderland” story finds Alice in a mysterious new world, where she must retrieve a magical scepter to stop the evil Lord of Time before he turns Wonderland into a barren world. Johnny Depp, Anne Hathaway, Helena Bonham Carter and Andrew Scott highlight this amazing cast, and with the magic of Disney and Lewis Carroll coming together, there is no denying that this new film will be a hit with both children and adults. Catch it when it releases on May 27.

“Finding Dory” (Not yet rated)
The most forgetful fish in the world, Dory, is back after her debut in “Finding Nemo.” This time, she is being reunited with her family. The film is set six months after the events of “Finding Nemo,” and will take place off the coast of California, rather than Australia. Dory, a blue tang fish, will return to theaters on June 17. Ellen DeGeneres is joined by Albert Brooks, Diane Keaton, Ed O’Neill, Ty Burrell and more in this film, written and directed by Andrew Stanton.

“Tarzan” (Not yet rated)
This film looks into the future of Tarzan, after he is rescued by and marries his beloved Jane. Now, he is used to gentrified life as John Clayton III and his marriage with Jane. The film starts as Tarzan is asked to return to the Congo to serve as a trade emissary of Parliament. It turns out, however, that he is merely a pawn for some evil people. Tarzan will swing into theaters in the United States on July 1.

Regardless of the age of viewers, everyone will enjoy these five movie releases this year. Get together with those you love this year and catch these great films when they arrive.

Used with Permission. Published by IMN Bank Adviser Includes copyrighted material of IMakeNews, Inc. and its suppliers.

Common Items You Didn’t Know You Could Recycle

Reduce your carbon footprint in 2016 by recycling more than ever before
As the New Year begins, RecycleItems_Featured you may find among your list of resolutions the pledge to create less waste and recycle more. According to the EPA, American consumers created 250 million tons of waste in 2010 alone; astonishingly, more than one-third of that waste was material that could have been recycled or composted. The following five items are commonly considered trash destined for landfills, but they are absolutely recyclable.

Cell phones
At the rate that technology is moving, Americans are swapping out their cellphones for newer and smarter models at a quicker turnaround than ever. If you have old Nokias and flip-phones from years past lying around, you can put them to good use by donating them to any number of organizations. For example, Cell Phones for Soldiers provides active-duty military members and veterans with a cost-free means of communication. The organization has provided 216 million minutes and recycled nearly 12 million cell phones since 2004. Verizon Wireless’ HopeLine program collects phones and equipment for recycling and uses the money raised from selling refurbished phones to contribute to victims of domestic violence.

Used oil
If you change the oil in your lawnmower or motorcycle with regularity, or if you own a deep fryer that requires new cooking oil every so often, then you know well that you have to go out of your way to dispose of it properly. The American Petroleum Institute suggests visiting http://Earth911.org to see if there are any motor oil or cooking oil recycling facilities in your area. Two gallons of used oil alone is said to provide electricity enough to power an average household for nearly 24 hours. The website can also provide information on facilities that specialize in recycling batteries and electronics.

There is a lot that can be done with even the smelliest pair of old sneakers. For example, Nike operates a Reuse-A-Shoe program that repurposes old shoes for the creation of Nike Grind, a material which is used in the creation of tracks and gym floors. Another recycling program, One World Running, collects shoes that are still serviceable and provides them to runners in third-world countries. Old shoes can also find new purpose through donations to The Salvation Army, Goodwill or your nearest homeless shelter.

Brita water filters
Brita’s product line ensures the cleanest drinking water imaginable, and the company has taken steps to see that the filters used in its pitchers and faucets are not contributing to landfills. Brita’s partnership with Preserve allows for the former’s filters to be used in the creation of the latter’s razors, toothbrushes and cutting boards. Once a filter is exhausted, simply give it three days to dry out, wrap it in a plastic grocery bag and drop it off at the nearest Gimme 5 location to your home. In 2014, Gimme 5 collected a total of 254 pounds of #5 plastic, or the equivalent of 1.3 million used Brita filters.

It is not terribly uncommon to donate bras to Goodwill with other clothing items, but the Bosom Buddies Bra Recycling program offers an alternative means to putting old bras to good use. The Bra Recyclers is a textile recycling company that focuses specifically on repurposing bras by either donating them to women in need around the world or harvesting them for their materials. This serves the purpose of both reducing energy usage and providing affordable clothing to those less fortunate.

To make 2016 a greener year, be sure to research what you can and cannot recycle before you take out the garbage. You might just be surprised to see all the things that have greater utility than simply going to a landfill.

Used with Permission. Published by IMN Bank Adviser Includes copyrighted material of IMakeNews, Inc. and its suppliers.

Behind Car and Driver’s “10Best” List

Why a Car and Driver designation means so much

There are plenty ofCAndD_Featured professional organizations that give today’s vehicles recognition. Whether they’re ranking the coolest, the greenest or most fuel efficient, or simply the most affordable, you can find a list for whatever it is you’re looking for. But there is one list that very well may rise above them all, and that’s the Car and Driver “10Best” list that honors the 10 best vehicles you can buy.

There are around 150 new car models on the road today, so when you narrow the list down to 10, any of these models is sure to be a great choice.

Car and Driver created a list that cuts through the clutter and shows off the best the automotive industry has to offer. All of these vehicles have to cost less than $80,000 (you have to be relatively fair), they provide bang for their buck (a lot of car for the money), they stand out in their respective segments and they are what Car and Driver calls “graceful in motion.”

There are three categories of vehicles for you to choose from: affordable family vehicles, sports cars and luxury sedans.

If you’re looking for an affordable family vehicle, Car and Driver named the Honda Accord, Volkswagen Golf/GTI, as well as the MAZDA3 and MAZDA6 four of them to its 2015 “10Best” list. Each of these vehicles offers practical and reliable transportation without breaking the bank. The MAZDA3 is the most affordable, with an MSRP starting around $18,000, while the Accord has been named to the “10Best” list an astounding 29 times.

If you’re looking for the best in performance, there is a handful of options ranging from the affordable Ford Mustang GT (at just over $30,000) that cranks out 435 hp, to the small yet powerful BMW M235i Coupe with up to 320 hp and an impressive power to weight ratio. If you have a bit more to spend, you’d want to consider the Porsche Cayman/Boxster, well known for its phenomenal drivability, or the iconic Chevrolet Corvette Stingray.

There are also two luxury sedans on the “10Best” list, each with its own impressive resume. The 2015 Cadillac CTS is also a big threat to the luxury imports from Japan and Europe.

The other luxury sedan, and final vehicle on the “10Best” list, is the Tesla Model S 60, arguably the most groundbreaking vehicle on the road today. This electric vehicle is so much more than economical transportation; it competes with some of the best vehicles available on the road today, and does so without the use of a gasoline engine.

Car and Driver summed it up perfectly: “It’s attractive, comfortable, fast, practical, technically fascinating, and not overpriced. Most important, it’s not just a good electric vehicle, it’s a good car.”

Regardless of which vehicle you choose, stop by today to let us help with whatever finance options you need.

Used with Permission. Published by IMN Bank Adviser Includes copyrighted material of IMakeNews, Inc. and its suppliers.