One thing that remains on the minds of car buyers is solving the dilemma of down payment. Does the dealer require you to make a down payment? Are bad credit car buyers compelled to make a down payment? Is it really necessary? When the issue of down payment is occupying a fair share of your troubles, it is best to address it so that you can move along the process of buying a car.

Why Dealers demand Down Payment from a Car Buyer?

Dealers are interested in selling their cars and earning commission. They do not care how the money is paid? Most dealers have no part in the financing process. If you do not have a pre-approved auto loan, they can help you find an auto loan in the form of dealership financing. But, how much down payment you make is not their concern.

The amount of down payment depends on your loan amount. If the lender approves you for a loan amount that covers the total cost of the car, you do not have to think about the down payment. Usually, lenders offer 70% -80% as LTV for your car. It means you have to bring money for the remaining amount.

Lenders demand higher down payment when your credit score is not excellent. A bad credit car buyer has a history of missed payments and it manifests higher risk to the lender. In order to reduce the risk factor, he may ask you bring at least 20% down payment.

What to do when you have no Money for Down Payment?

Use your Old Car

If you own a car without any lien on it, use it to reduce the cost of your new car. A cash down payment is not necessarily the only option with you. You can trade-in your old car and avoid making down payment to the dealer. If the dealer is offering little for the car, 우리카지노 you can sell it online or find a private car buyer to earn more money.

Ask for Financial Help from Parents

If you are in college or starting your first job, you will not have adequate savings for buying a car. You can ask for financial help from your parents. Many parents intend their child to have a good credit score. They want him to understand the importance of managing financials properly. And, a car can be the best way to teach financial responsibility. So, do not shy away from asking for help.

Use your Cash Gifts

You may have received cash gifts for your birthdays, graduation, wedding and other important events of your life. You can buy a car by breaking into your savings. Use the cash and reduce the loan amount. If your credit score is poor, it is best to lower the loan amount and thereby pay reduced interest.

Sell your Stuff

Organize a yard sale or sell your stuff online. It is a way of getting rid of unwanted stuff and earning money from it. Gather all the items that you do not use or will not use in the future. De-clutter your room, clean the garage and 우리카지노쿠폰 remove old items from the attic. You can even ask your family, friends and neighbors to donate their stuff for your sale.

Pick up Odd Jobs

If you can pick up an extra shift at your current job, consider it for increasing the down payment amount. If you are still studying and cannot manage a full-time job, pick up a few summer jobs to add to your savings. Think of different part-time jobs such as baby-sitting, lawn-mowing, house-cleaning, etc. to earn a few extra bucks. Just as drops can fill an ocean, several different jobs can help you make a down payment.

No Money Down Auto Loans solve your Urgent Car Buying Need

There are different ways of managing the down payment for 우리카지노 a new car. But, every option requires time and effort. If a car is a necessity for you, you cannot wait to save money. When owning a car is the difference between a regular job and unemployment, you must not spend any time in managing down payment. In such a situation, you need a quick-fix solution in the form of no money down auto loans. The loan program helps bad credit car buyers in making faster car purchase.

Seek online auto financing companies that offer no money auto loans to bad credit car buyers. It is best to discuss your need for quick approval with the lender. When you are buying a car with no money down auto loan, remember to choose an affordable one. It will ensure a low loan amount and help you to make regular monthly payments.

Do not let your bad credit history a reason for avoiding a car. Forget worrying about down payment. CarDestination.com helps you in obtaining no money down auto loans even with bad credit score. Apply now for a low interest on your next bad credit car loan .

In the times of ever expanding world and fast moving lives, traveling with comfort has become a major necessity for everyone. Today, everybody wants to reach his destination on time and in style. Maybe that’s why a car has become a commodity that one must possess. Thanks to the developed financing environment in the country, buying a car is not difficult. With the help of down payment, you can have your dream car in your garage.

Buying a car on loan majorly involves two stages i.e. the down payment and the monthly payments. Down payment is provided to the dealer right before purchasing the car. On the other hand, a car buyer has to make monthly payments to the lender.

Down payment is useful for the dealer as well as the car buyer. It acts as security for dealer and 우리카지노쿠폰 helps the car buyer in reducing the debt burden.

Deciding the Down Payment Amount

Deciding the down payment amount might seem a tedious job but actually the factors governing the same are easy to understand and calculate. The lender considers the following factors before approving the loan amount:

Credit Score

DTI (debt to income) Ratio

Financial History

Debt Repayment History

If the lender considers you a less risky car buyer, he will approve you for 우리카지노 a larger loan amount. It means you will be able to buy a car with a smaller down payment amount. Therefore maintaining a good credit score and a lower DTI ratio will encourage lenders to lend you more money.

What to do if the Loan Application is considered Weak by the Lender?

Do not worry if you do not have a good credit score or a strong DTI ratio. In such a situation, you will have to opt for 우리카지노쿠폰 a larger down payment amount. Here are a few options that can help you in getting together money for down payment:

Trade-in

You can exchange your old car and get a discount on the new car. You should also check for discount offers and other schemes that the dealer provides for trading old cars.

Saving

Choose your desired car and try to save money till the time you are ready to buy the car. It will help you to avoid obtaining personal loan for down payment.

Borrow

Although being the least advisable option, borrowing from a friend or a family member can sometimes be the only way to arrange money for down payment.

Borrowing against your 401(k)

If you have a retirement savings plan, you can borrow money against it and pay it off later.

Selling off unwanted items

You can lower your burden of arranging money for down payment by selling things that you no longer use and are just covering up your garage space.

Get a gift

You can ask your friends and relatives to gift you money. As the gift amount up to $14,000 is excluded annually, your donor will be able to provide you money without any burden of tax.

Remember that down payment can be a challenge while buying a car. But with the right financial planning and management, you can cross the obstacle of down payment and buy your desired car.

When you want to avoid down payment, EZ Auto Finance can help you. Obtain bad credit zero-down auto loans from the auto financing specialist and get ready to buy a car today. Apply now for easy auto loan approval .

id=”article-body” class=”row” section=”article-body”> Huawei can reportedly access backdoors in mobile networks globally.

Corinne Reichert/CNET Chinese tech giant Huawei can reportedly access the networks it helped build that are being used by mobile phones around the world. It’s been using backdoors intended for law enforcement for over a decade, The Wall Street Journal reported Tuesday, citing US officials. The details were disclosed to the UK and 우리카지노계열 Germany at the end of 2019 after the US had noticed access since 2009 across 4G equipment, according to the report.

The backdoors were inserted for law enforcement use into carrier equipment like base stations, antennas and switching gear, the Journal said, with US officials reportedly alleging they were designed to be accessible by Huawei.

“We have evidence that Huawei has the capability secretly to access sensitive and personal information in systems it maintains and sells around the world,” Robert O’Brien, national security adviser, 우리카지노계열 reportedly said.

O’Brien also called less-expensive Chinese solutions “tempting of a gift to turn down” for some countries, according to CNN, but that they come “with a price” of the Chinese company having access to information on the network.

CNET Daily News

Get the latest tech stories every weekday from CNET News.

Huawei denied the reports, saying it’s the US government that’s been “covertly accessing telecom networks worldwide, spying on other countries.”

“US allegations of Huawei using lawful interception are nothing but a smokescreen,” Huawei said in an emailed statement Wednesday. “Huawei has never and will never covertly access telecom networks, nor do we have the capability to do so.”

The White House didn’t immediately respond to a request for comment.

UK Prime Minister Boris Johnson approved Huawei for 5G last month with some conditions: The British restrictions are to exclude Huawei from building core parts of the UK’s 5G networks, have Huawei’s market share capped at 35% and exclude Huawei from sensitive geographic locations. The European Union allowed higher-risk vendors for 5G with similar restrictions at the end of January.

Huawei’s 5G approval there came despite the US urging the UK to ban the Chinese telecommunications giant. 

Huawei was blacklisted in May when it was added to the United States’ “entity list” (PDF). In addition, US President Donald Trump at the same time signed an executive order essentially banning the company in light of national security concerns that Huawei had close ties with the Chinese government. Huawei has repeatedly denied that charge.

Originally published Feb. 11, 2:35 p.m. PT.

Update, 우리카지노쿠폰 4:22 p.m.: Adds quote from CNN report; Feb. 12: Adds statement from Huawei.

More on Huawei

Europe allows Huawei for 5G through security guidelines

Huawei ban: Full timeline as Britain gives Huawei approval to build its non-core 5G network

Huawei is the world’s top 5G phone vendor, analyst says

In the times of ever expanding world and fast moving lives, traveling with comfort has become a major necessity for everyone. Today, everybody wants to reach his destination on time and in style. Maybe that’s why a car has become a commodity that one must possess. Thanks to the developed financing environment in the country, 우리카지노 buying a car is not difficult. With the help of down payment, you can have your dream car in your garage.

Buying a car on loan majorly involves two stages i.e. the down payment and the monthly payments. Down payment is provided to the dealer right before purchasing the car. On the other hand, a car buyer has to make monthly payments to the lender.

Down payment is useful for the dealer as well as the car buyer. It acts as security for dealer and 우리카지노 helps the car buyer in reducing the debt burden.

Deciding the Down Payment Amount

Deciding the down payment amount might seem a tedious job but actually the factors governing the same are easy to understand and calculate. The lender considers the following factors before approving the loan amount:

Credit Score

DTI (debt to income) Ratio

Financial History

Debt Repayment History

If the lender considers you a less risky car buyer, he will approve you for a larger loan amount. It means you will be able to buy a car with a smaller down payment amount. Therefore maintaining a good credit score and a lower DTI ratio will encourage lenders to lend you more money.

What to do if the Loan Application is considered Weak by the Lender?

Do not worry if you do not have a good credit score or a strong DTI ratio. In such a situation, you will have to opt for a larger down payment amount. Here are a few options that can help you in getting together money for down payment:

Trade-in

You can exchange your old car and 우리카지노계열 get a discount on the new car. You should also check for discount offers and other schemes that the dealer provides for trading old cars.

Saving

Choose your desired car and try to save money till the time you are ready to buy the car. It will help you to avoid obtaining personal loan for down payment.

Borrow

Although being the least advisable option, borrowing from a friend or a family member can sometimes be the only way to arrange money for down payment.

Borrowing against your 401(k)

If you have a retirement savings plan, you can borrow money against it and pay it off later.

Selling off unwanted items

You can lower your burden of arranging money for down payment by selling things that you no longer use and are just covering up your garage space.

Get a gift

You can ask your friends and relatives to gift you money. As the gift amount up to $14,000 is excluded annually, your donor will be able to provide you money without any burden of tax.

Remember that down payment can be a challenge while buying a car. But with the right financial planning and management, 우리카지노 you can cross the obstacle of down payment and buy your desired car.

When you want to avoid down payment, EZ Auto Finance can help you. Obtain bad credit zero-down auto loans from the auto financing specialist and get ready to buy a car today. Apply now for easy auto loan approval .

id=”mod_16516091″>The times and the English language are changing

It happens every so often. Merriam-Webster or the Oxford English Dictionary announce the addition of new words to the English canon. My husband groans and I giggle. He thinks it’s a sign of a society in decline — the dumbing down of the human race. I think it’s reflective of today’s culture as language adapts to the current times — a form of linguistic evolution. (And yet, our marriage seems to work).

No matter your opinion on the subject, the English language is changing. And it’s happening fast!

With the internet age shattering geographic barriers, a wide array of slang, jargon and colloquialisms seem to find quickly infiltrate everyday conversations, texts, emails and social networks all over the world.

Some 21st Century additions to the dictionary

Use new words in a conversation with your parents or grandparents and you’ll probably be met with a blank stare. Use them in an IM with your teenage niece and you may actually gain some “Cool Aunt or Uncle” points. Here are a few examples:

Derpy: Someone who is awkward or 우리카지노계열 accident-prone. Also a character on “My Little Pony: Friendship is Magic.”

Totes: An abbreviated version of totally. According to Urban Dictionary, “The average time saved by using the word totes … 26.6 seconds a day! Over the course of a year that adds up to 2.7 hours!!”

Selfie: A picture you take of yourself with the intention of sharing with your social networks. Selfie was named Oxford’s word of the year.

Woot: A shout of joy or victory.

Retweet: To share someone else’s message on twitter.

Jeggings: Leggings designed to resemble jeans.

Sexting: Sending sexually explicit photos, images, text messages, or emails via cell phone or mobile device.

Cyberbullying: Using the internet to harm other people, in a deliberate, repeated, and hostile manner.

Bromance: A close friendship between men that is non-sexual.

How do you feel about new words like jeggings, retweet and sexting?

Woot!

Society on the decline.

See results Yes, it’s actually English (even if it’s old)

The English language is in a constant state of flux. Just look at 13th Century Old English and 14th Century Middle English. It’s like trying to read Japanese (unless, of course, you speak Japanese, in which case it’s nothing like that).

Have you ever tried to read Geoffrey Chaucher’s “The Canterbury Tales”? It’s doable, but it’s tough!

Here’s an excerpt:

Whan that aprill with his shoures soote

The droghte of march hath perced to the roote,

And bathed every veyne in swich licour

Of which vertu engendred is the flour.

Ummmm, what?

It’s difficult to decipher. And yes, it’s English. I even took an entire college literature course devoted to reading Chaucer’s work.

Time to text. | Source It’s all about the conTEXT

How would Chaucer feel now trying to interpret the changing lexicon. With the prevalence of smart phones, just about everyone in texting these days (even your mom). The younger generation in particular has taken advantage of this new form of communication. Take a quick look at Urban Dictionary or even a text dialogue between two teens:

A: HRU

B: AAK

A: D46?

B: TTLY

Any idea what these text abbreviation mean? Neither did I. Let me enlighten you:

A: How are you?

B: Alive and kicking.

A: Down for sex?

B: Totally.

Key to English

Newscientist.com writes that a time capsule buried in 1938 in New York City included a printed “key to English” that describes 20th-century American English in order to help discoverers 5000 years in the future understand the language.

Here we are just under 75 years later, and language has already changed dramatically. It’s safe to say that in 6938, the English language as we know it will most definitely be a foreign language

According to an article in the New York Times, 우리카지노계열 the American Dialect Society’s Brice Russ claims that the 200 million+ messages posted daily on twitter may provide valuable information to linguists about geographic speech differences.

Many teachers are reporting that the texting language common on Facebook, 우리카지노 twitter, IM and other social media sites is polluting students’ essays and homework assignments.

Source Hubpoints

The implications of the changing language have been debated widely by scientists, linguists and even Hubbers:

Dramatic changes are detrimental and put the English language in jeopardy: The Future of the English Language.

A prolific look at changing language: The History of the English language.

Some of the oddities of the English language.

Some of the reasons why the English language is important.

As a writer I enjoy the growing lexicon. It’s an opportunity to embrace new words and expand my writing horizon.

I know some people worry that these changes are making society stupid, but I would argue there has always been a portion of society that’s simply that: Stupid. Or, as our teen friends might text, “AYSOS*?” I guess it depends who you ask.

*Are you stupid or something?

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Comments

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Calitri

2 years ago

The deterioration of language is usually defined, (primarily by linguists) as the evolutionary process of language. Naturally, this doesn’t answer the question, is language actually deteriorating. For some people it is; therefore, it’s relative. There is no question that the English language has lowered its standards; we don’t have the vocabulary of generations ago. These new words that Aleza refers to are quite elementary, without any etymological sustenance. They’re trendy and perhaps short-lived. The drastic drop in vocabulary level by students and young adults is attributed to television, social media, texting etc.. I think students and young adults should learn the challenging English words that have etymological roots with Latin and Greek, words that have been around for centuries, rather than these rather vogue, puerile expressions that will disappear as soon as they’re replaced with other more juvenile expressions.

JPPhilips

6 years ago from SC Piedmont Area

good stuff.

Criss

7 years ago from Southern California

It would be great! 🙂

AUTHORA Freeman

7 years ago from Las Vegas, NV

Hehehe, 우리카지노쿠폰 @SpeakUpStandOut I like the image of you walking down the street in a period costume talking in Old English!! Too funny!!!

Criss

7 years ago from Southern California

I love Old English. I wish we still spoke that way; listening to someone speak that way is so beautiful. If I weren’t so language challenged, I’d learn how to speak like that and then I’d go around Los Angeles acting like I’m straight out of the 18th century! 🙂

I think that a lot of the “new” words that are being used are useless, they have no value in the English language and certainly shouldn’t be introducted into the dictionary (in order to taint future generations). These words are a fad, when they fade; they will always be following us in the dictionary!

AUTHORA Freeman

8 years ago from Las Vegas, NV

@Tymolen Thank you! I love your comment. I love the idea of a mideival rap. I also love your outlook on language. I’m so glad you stopped by!!

Tymolen

8 years ago from Montana

Great Hub! I love Chaucher’s excerpt you put, it’s like mid-evil rap about the spring. ha Your point is undeniable and I hope that one day mankind could merge almost all language together. Kinda like some parts in Europe and Korea. Where they speak 3-4 languages on average and interchange in some sentences because each language is indeed limited on certain cultural aspects.

AUTHORA Freeman

8 years ago from Las Vegas, NV

Haha you must have talked to my husband.

Tony Lawrence

8 years ago from SE MA

Oh, you’ll probably be wrong about something eventually. Give it time 🙂

AUTHORA Freeman

8 years ago from Las Vegas, NV

Thank you @pcunix that actually sounds like an interesting read. I will have to check it out. Plus I sure do love being right!

Tony Lawrence

8 years ago from SE MA

You are on the right side here. Have your husband read “The Unfolding of Language” by Guy Deutscher. It’s a fun read (I know, it sounds dry but it definitely is not) and he’ll learn why he shouldn’t groan.

Jason Menayan

8 years ago from San Francisco

TTLY should not be confused with TTYL (talk to you later), which even I, in advanced age, have seen and understood.

AUTHORA Freeman

8 years ago from Las Vegas, NV

@novascotiamiss I just love the idea of language and evolution. It makes it feel so fluid and full of life!

Novascotiamiss

8 years ago from Nova Scotia, Canada

Interesting hub. Yes, I sometimes also think that our society is in decline but you have a point. New words also mean new opportunities. Another interesting aspect is how languages are evolving in different parts of the world. E.g. Afrikaans is a South African language that stems from the dutch of the 1600’s when the first dutch settlers inhabited the country. While the dutch in Holland has evolved, Afrikaans has remained somewhat of a baby dutch.

id=”article-body” class=”row” section=”article-body”> Huawei can reportedly access backdoors in mobile networks globally.

Corinne Reichert/CNET Chinese tech giant Huawei can reportedly access the networks it helped build that are being used by mobile phones around the world. It’s been using backdoors intended for law enforcement for over a decade, The Wall Street Journal reported Tuesday, citing US officials. The details were disclosed to the UK and Germany at the end of 2019 after the US had noticed access since 2009 across 4G equipment, according to the report.

The backdoors were inserted for law enforcement use into carrier equipment like base stations, antennas and switching gear, the Journal said, with US officials reportedly alleging they were designed to be accessible by Huawei.

“We have evidence that Huawei has the capability secretly to access sensitive and personal information in systems it maintains and sells around the world,” Robert O’Brien, national security adviser, reportedly said.

O’Brien also called less-expensive Chinese solutions “tempting of a gift to turn down” for 우리카지노계열 some countries, 우리카지노쿠폰 according to CNN, but that they come “with a price” of the Chinese company having access to information on the network.

CNET Daily News

Get the latest tech stories every weekday from CNET News.

Huawei denied the reports, saying it’s the US government that’s been “covertly accessing telecom networks worldwide, spying on other countries.”

“US allegations of Huawei using lawful interception are nothing but a smokescreen,” Huawei said in an emailed statement Wednesday. “Huawei has never and will never covertly access telecom networks, nor do we have the capability to do so.”

The White House didn’t immediately respond to a request for comment.

UK Prime Minister Boris Johnson approved Huawei for 5G last month with some conditions: The British restrictions are to exclude Huawei from building core parts of the UK’s 5G networks, 우리카지노 have Huawei’s market share capped at 35% and exclude Huawei from sensitive geographic locations. The European Union allowed higher-risk vendors for 5G with similar restrictions at the end of January.

Huawei’s 5G approval there came despite the US urging the UK to ban the Chinese telecommunications giant. 

Huawei was blacklisted in May when it was added to the United States’ “entity list” (PDF). In addition, US President Donald Trump at the same time signed an executive order essentially banning the company in light of national security concerns that Huawei had close ties with the Chinese government. Huawei has repeatedly denied that charge.

Originally published Feb. 11, 2:35 p.m. PT.

Update, 4:22 p.m.: Adds quote from CNN report; Feb. 12: Adds statement from Huawei.

More on Huawei

Europe allows Huawei for 5G through security guidelines

Huawei ban: 우리카지노계열 Full timeline as Britain gives Huawei approval to build its non-core 5G network

Huawei is the world’s top 5G phone vendor, analyst says