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When there are two working people in a house, there is often a need for two vehicles. If you are finally getting ahead and have saved a little money to put towards a second vehicle, there are some auto financing strategies you should know about. First, it's always a good idea to check your credit report before anything else, especially if it's not something you've done in a long time or if it's not something you've ever done. Keeping an eye on your credit report is essential. It's very important to know what you have on your record and it's just as important for you to know what any potential lender may see. By doing this, it can provide you with the time you need to correct any errors on the report or pay off any debt owing. Shop for financing before shopping for your vehicle. By having a perspective on your credit rating as well as your financial options, you will have the boundaries needed for a successful purchase.
Check with at least one local bank. This will help provide you with a guideline on current terms and interest rates. If you're looking at dealer financing, keep in mind they are not going to shop around for you. Once they know you're financing through them, they often stop talking price and start talking in terms of monthly payments. This can cost more as you're no longer focused on the actual price. The dealer may also be getting a commission from the lender, so dealer financing could end up costing you more in interest and fees. If possible, get pre-approved. Regardless where your auto loan comes from, any lender will be able to tell you upfront if you qualify for a loan and how much you can borrow. This strategy may even help get you a better deal on a vehicle as the seller knows you're pre-approved which makes you a serious buyer. If you are suffering from bad credit but still need that 'new' car, a car title loan could be what you're looking for. You can borrow the money you need to make the additional purchase and rebuild your credit rating while driving your much-needed second vehicle. Private lending institutions offer car title loans and provide no obligation, 24-hour on-line applications. About The Author BHM Financial is a trusted name in the car title loan industry and may be able to help you drive away with that second car you need.
Many times the receiver refused leaving the postal service no way of recouping losses for services rendered. The pony express was established in 1860. The pony express was able to travel 2,000 miles in 10 days to deliver mail between Saint Joseph, Missouri and San Francisco, California utilizing 190 way stations. This service did not come cheap. Overland mail for this same trip took twice as long. But the completion of telegraph connections in 1861 put the pony express riders out of business. Mail services utilizing the railroad system was established in 1863. Plus, free mail delivery was established in 49 large cities. Also in 1863, standard postage rates were set up regardless of distance. Prior to this, distance was the determining factor for cost. The postal money order system was established in 1864 to allow people to more easily transfer money from place to place domestically. In 1869, the railroad system was able to provide 7 day service between New York City and San Francisco, California.
Also, in 1869, the foreign and international money order system was established. As you can see this time period beginning in the colonial times required constant adaptations as people expanded across this vast nation. There were changes that impacted the postal system positively such as the railroads and stage coaches. And changes that impacted the mail system negatively such as the telegraph. To read more about important dates in U.S. This article covers the time period between 1870 through World War II. And, then the last article in the series of important dates in U.S. This article covers the time period beginning in 1945 and proceeds to the present. Do you feel you have great information or stories to share with others? Sign Up Here. . It’s quick, easy and free to join HubPages! Sign in or sign up and post using a HubPages Network account. 0 of 8192 characters usedPost CommentNo HTML is allowed in comments, but URLs will be hyperlinked. Comments are not for promoting your articles or other sites. Thank you for your input. I will have to add that observation to the hub. Thank you for making it better. Thank you, Danette. I did enjoy finding some of the little tidbits of information that I found when researching this. And I intend to expound on some of them. Thank you for stoppinbg by. I have always felt the PO was doing a great job. In fact, a precious LP record, which I thought was lost, made its way back to me with the help of my local PO. Interesting info and very well done. I am not a history buff, however, I did find quite a few of the things discussed in this article very interesting. A very well researched and thorough article, nicely done. The US Postal service has certainly changed over the years. Bravo to a well-written piece of US Postal history.