Archive for loans

6 Keys to Getting Great Car Loans

For buying the vehicle that you want, you need to select the perfect kind of car for you, the suitable priced car and also the fund that is required for purchasing it in the most affordable manner. If you really are going to borrow the for the purchase of the automobile that you need, you should be having the better idea of how you can get an automobile loan which is more suitable for you. You should be thinking about the auto loan before seeing the cars. If you are doing some research before the time, then you can end up in finding a loan and also the car that is more suitable for your lifestyle. When it is the time for a deal, you may be able to get into it quickly and can be on the road when you want to be.

1. Managing the Credit-
The first and foremost thing that you need to do is to manage the credit in the proper manner before you are applying for the loan. There is a possibility for you to get the credit report of yours and make sure that it is in a good position so that you can easily get the loan that you want. The credit history is something that can affect the interest rate that you are going to get for the loan. If there are some corrections, make sure that you do fix it before things go wrong.

2. Knowing Your Limit of Expenditure-
You should have the finer idea about the amount that you can spend on the car. Never buy the car just like that. You should have idea about the amount that you can spend as down payment and also as EMI. If you are making a decision to choose the car at the time period when you do not have any kind of idea about your limit of expenditure, then you can be in great trouble.

3. Understand the Loan Better-
Do not choose a loan without actually knowing the things related with it in a proper manner. You should have the idea whether it is possible for you to pay the loan and also you need to know the overall costs that are associated with loan. Presently you are paying low cist does not mean that overall it is going to be something so less. If you need to make monthly payments less, the loan can be long term and it can make you pay more than you expect. You should know how much exactly you owe, the interest that you need to pay for the loan and all such details so that you can easily make the decision how your loan is.

4. Considering Insurance-
In most of the cases when you are approaching various lenders for knowing the amount that they can offer you, you may come to know the necessity of insurance. It is good for you to have life insurance of disability insurance for getting a good loan amount. This is something that can ensure the lender that even if something happens to you, there is some means through which the money will be repaid.

5. Shopping Around-
It is always better for you to shop around before you are deciding some lender. There is no need for you to get the auto loan that you need from dealership. You can check with the various financial institutions available in the market before you are making a decision. This can provide you with the idea about the market so that you can bargain before you choose a loan.

6. Avoid Prepayment Related Penalties-
There are various kinds of lenders available in the market. You should choose the one who is ready to provide you with the best option for your loan. It is required for you to have your auto loan in a flexible manner. It is required for you to choose the lender who can allow you to make extra payments and repay the whole loan without any penalties. You should go through the contract that is related with the loan in thorough manner. In certain cases, the financial institutions will call penalties in some other name and so you should know about it well before making a decision.

This post has been contributed by Mary Jones. She loves to write about Automotive and Finance. She prefers and recommends titleloanfremont.com For providing best deals for Loans in Azusa, CA.

How you can get much-needed capital through a loan

As wages remain frozen in various industries across the United States and many people losing their jobs, it is becoming even more difficult for a family to balance their finances. The rising cost of food and other bills is staggering and the salaries in many sectors continue to be cut. A loan can help a family with meeting their financial obligations and there are many options to consider even when thousands of dollars are needed:

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The Best Ways To Determine A Car’s True Value

When you are buying or selling a car, one thing that always springs to mind is the true value of that car.

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Virtually all private sellers and car dealers will advertise a car at a price slightly higher than the market value in order to make a profit on the sale, and if you are trying to sell your own car, it can sometimes be hard to determine what the real value of it is.

So if you are trying to buy or sell a car, how exactly do you know what the “real” value of that car is? Check out these top tips to help you find out!

Get an online valuation estimate

The first thing to do would be to check out websites such as Parkers or Glass’s Guide. They will let you choose your car’s make, model, year of manufacture and you can even enter in the exact mileage for a more precise valuation estimate.

You will be able to get an estimate based on the condition (poor, fair or good), as well as the trade-in value of the car should you wish to trade it in for a newer car. You can also get a free car valuation at WeWantAnyCar (this website is great if you need to sell your car fast, by the way).

Check eBay Motors’ completed listings

One of the main reasons that people use eBay is to sell their cars using the eBay Motors part of their website (I’ve sold a few previous cars on there too).

Although it is obviously an auction website, it will also give you an indication of what real-world prices you are likely to attain if you were to sell your car today (or indeed, the value of the car you are interested in buying).

In order to check out the completed listings of cars that were advertised for sale through a classifieds advert or put through as an auction or “buy it now” auction, you will need to log in using your normal eBay username and password.

Should you not have an account on eBay, it is fairly straightforward – and free – to set one up. Alternatively, you could search with a friend or family member using their eBay account instead, should you not want to create one of your own.

Check current listings online

Another thing you can also do whilst you are online is to check out the current listings for the same make and model of your car. You can do this by looking at various websites that specifically offer motoring classifieds adverts, as well as other classifieds websites which also have a separate motoring classifieds section.

If your car is a popular model, then chances are someone has set up a community forum dedicated to it, so it’s worth doing a search to find out. Most, if not all forums, have a classifieds section where their members can post up for sale adverts.

Sometimes you might have to register to use the website, as some forums are private.

Types of SUVs with the Highest Values


The SUV is making a strong comeback on the roads and indeed off road in the UK. For many years, it did of course fall from grace for being a bit of a gas-guzzler that was more often than not rarely used to its full capabilities.

However, these days we are seeing many more fuel-efficient designs, which are suited to both the road and off road driving without compromising the least bit of style, comfort or performance.

As well as being very versatile, the SUV does tend to hold its value well. This, of course, means that you can generally expect a good second hand price for your vehicle or a healthy valuation if you decide to use it as collateral for one of the many cheap logbook loans available.

Understanding used values of vehicles can save you quite a bit of money when it comes to upgrading or changing to a newer model. To help with this valuation process, we have put together a short list of top value holding SUVs.

The Land Rover Discovery 4

1. The Land Rover Discovery 4

This particular model is of course, Land Rover’s flagship model and boasts some of the most technologically advanced all terrain response units on the market. With its high quality leather interior and state of the art on board gadgets, it is also firmly in the luxury vehicle bracket. These SUVs hold their price well, as the demand for these particular models is always high. For models later than 2010, you can expect £25.000 and upwards as used value.

Porsche Cayenne

2. Porsche Cayenne

Being designed an built by one of the most respected sports car manufactures in the world, the Porsche Cayenne certainly does not disappoint. It may lack some of the off road capabilities of the Range Rover or Land Rover, but its road handling is second to none. Fast and responsive this SUV feels more like a sports car than a SUV. Second hand value for a 2006 model is around £10.000 with turbo models from 2010 and onwards often reaching £60.000 and more.

Mercedes ML63 AMG 2010

3. Mercedes ML63 AMG 2010

The range-topping model of the Mercedes M class is the ML63 AMG. This SUV really packs a punch. With its 5.5-litre V8 engine and it sporty aerodynamic looks, this model is firmly in the top ten sports luxury SUVs available on the market today. If you are looking to use one of these as collateral or sell on the second hand market, a 2010 model would be worth something the region of £40.000.

BMW X5

4. BMW X5

The BMW X5 is one of the classic modern SUVs. It’s very spacious and has a number of engine options to suit everyone’s requirements. It has the seating capacity for carrying five people very comfortably and has a large spacious boot. The 3-litre in-line six cylinder is the popular choice and will get you from 0-60mph in just over seven seconds, not bad for a veteran of the SUV world. A 2010 model would be worth £30.000 and upwards.

VW Touareg

5. VW Touareg

The VW Touareg has everything you would expect from a leading car manufacturer like Volkswagen. This is one of the most fuel efficient of performance SUVs on the market, promising nearly 40mpg. It also comes with manmade leather interiors, climate control and DAB radio on all of the standard models. All models are equipped with an 8-gear Tiptronic automatic gearbox and have the towing capacity of 3.500kg. All in all, a great SUV for most families and off road weekend warriors. A 2010 V6 TDI model would be worth somewhere in the region of about £15.000.

Jeep Grand Cherokee

6. Jeep Grand Cherokee

The Jeep Grand Cherokee is another favourite SUV classic for many people. With its sporty lines and V8 engine, it’s very easy to see why. The newest version is the 2012 and it offers everything you would expect and more from this tried and tested 4×4 design. Plenty of room and perfect for some serious off road adventures. The 2010 should fetch around £15.000.

A Sports SUV is one of the most versatile and fun vehicles you could ever hope to own, and with their great used value, also one of the best to sell.

Top tips on how to find the best loan secured on car for your needs

Log book loans are becoming an extremely popular solution for individuals who need quick cash. The benefits of going down this route are vast. You don’t have to go through any extensive credit checks. The application form is simple and easy. You still get full use of your vehicle. And if that wasn’t enough, most companies provide flexible repayment terms too. However, if you want to gain from all of this then you need to find the best company to provide you with the loan secured on car you desire. Read on to discover how to do so.

To begin with you need to assess how much money you can borrow and how you are going to have to pay it back too. Evidently these are the most important aspects of any loan. Most good companies will offer you up to 70 per cent of the total value of your vehicle. Repayment terms should be flexible too. The best lenders provide a breathing period i.e. a set amount of time whereby you don’t have to pay anything back. This allows you the time to generate the money to pay the repayments and it essentially makes everything a lot more comfortable for you.

In addition to this, you should also discover how quickly you will receive your cash. One of the main benefits associated with this type of loan is the fact that it offers fast money. In fact many experts deem this as the better alternative to a payday loan. Thus, if the company in question does not pay you quickly then this is defeating the whole purpose of taking out a loan in the first place. The best log book loan companies state that they will pay you within 24 hours of accepting your application.

It is also worth bearing in mind the fact that the company should offer a quick and easy application process. You should not need to provide many documents or any information about your financial history. You will probably only need to prove that you have the ability to pay the repayments i.e. income documents and you will need to show that you are the owner of the car and that you have paid for it in full. Aside from this a few questions via an online application form is all that should be needed.

Finally, it is always a good idea to read testimonials that have been left by previous customers. This will ensure you don’t end up in the hands of a company that is untrustworthy and not credible. A mere five minute search online can save you from a massive headache. After all, these individuals were once in your shoes and thus they will tell you the information you really want to hear.

If you ensure you discover how much you can borrow, the repayment terms, the reputation of the company, the application process entailed and how quickly you can access your cash, then you will have all areas covered when trying to find the best log book loan for you.

Summary – If you are looking for quick cash then a loan secured on car is the best route to go down. This article provides tips on how to find the best log book loan for your needs.

Donating Your Used Car To Charity: Pros, Cons, And Tips

used_carWe donate our used clothing and other items to charity, so why not other items that we no longer have a use for? You can make a difference in a big way by donating big ticket items like boats and cars to charitable organizations. The increase in charities accepting vehicle donations has led to a mutually beneficial and booming business, wherein the donor saves by claiming the donation on income taz returns and the charity is able to sell the vehicle and use the funds to further its cause. While this might seem like a straightforward way to do good in the world, there are some associated risks with donating your car. 

Pros

  • Many charities have started to accept vehicles as a form of donation, so you can most likely find a charity that supports your favorite cause to donate to.
  • You can claim a huge deduction on your income tax returns when you donate your car to a charity approved by the IRS.
  • You get to save yourself the hassle of trying to find a buyer for your used car.
  • Donating a car makes it much easier to make a big difference for your charity with less financial impact to you than a cash donation.

Cons

  • Intermediaries that accept your car donation and then donate the proceeds to the charity of your choice often take a substantial cut away from your chosen cause. If the charities you support don’t accept car donations directly, you may be better off finding one that does.
  • To get a tax deduction, you’ll need to follow up with the charity to get paperwork that proves the vehicle’s value. Your estimate or the fair market value probably won’t cut it if your car is worth over $500.
  • The same paperwork to get rid of the car is still necessary- if you don’t formally re-title the vehicle, you could risk parking tickets and more down the line.

Tips

  1. Avoid 3rd parties and try to donate your car directly to the charity of your choice.
  2. Choose a charity that means a lot to you and has a big impact in its line of work. If the charities you usually support don’t accept car donations, take time to investigate alternatives instead of just picking the first charity you find. The Better Business Bureau can help you to evaluate charities whose activities you aren’t very familiar with.
  3. Make 100% sure that your chosen charity is a 501(c)3 non-profit organization that is qualified by the IRS for donation deduction purposes. 
  4. If you have to use a middle man, do your research to find out how much of the proceeds from the car’s sale will actually go to the charity. Do they take a percentage, or a flat fee? Using an intermediary not only limits the effectiveness of your gift, but can also have tax implications.
  5. Keep a thorough paper trail for tax purposes in order to claim the donation on your tax returns.
  6. Deliver the car to the charity yourself so they don’t have to take money out of your donation to pay someone to come pick it up.
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Jack Lovegood is a automotive expert and a contributing blogger for Chrysler Group LLC, where you can purchase a Jeep extended warranty at a discounted rate. 

5 Essential Maintenance Tips For Your Tires

After spending good money on tires, most drivers fail to give them adequate maintenance. Tires play an important role in driving safety, so making sure they’re in road-worthy condition is essential. Below are a few tire tips and tricks to follow. Properly purchased and maintained tires will last longer than neglected ones, saving you money, and most importantly, keeping you safe.

1. Buy Quality Tires from a Reputable Brand

First and foremost, when you purchase new tires, make sure they’re from a reputable company and of premium quality. You and your car depend on them. Buying internationally known brands like Goodyear and Nokian tires ensures safety and affordability. Remember, your purchase should reflect your driving style, driving environment, and vehicle. After buying a new set of tires, try driving the vehicle initially for at least 200 miles at medium speed on dry roads.

2. Maintain the Correct Tire Pressure

Find out the right air pressure for your tires and make sure you maintain it. Check the pressure before and after long drives, during cold driving conditions, and when carrying heavy loads. Otherwise, check every month regularly on a fixed date.

Under-inflated tires can overheat, causing excessive and irregular wear from over exertion. This might even lead to a blowout. Besides, tires that have been riding around with the improper air pressure need to be replaced more often. Over-inflated ones lead to loss of proper road grip and less traction on braking, the consequences of which are obvious. Maintaining optimum tire pressure is even good for the environment as the correct pressure helps in making the vehicle more fuel efficient.

3. Select the Right Tire Tread

More tread just means more grip. Although legal limits are 1.6mm, driving with anything under 3.0mm can be risky. Do not just buy tires based on how the tire looks. Use a standard tread gauge and ensure tread depth is sufficient on all four tires. Check the inside, outside and center portions. How long tires will last with good tread in the end depends on the brand.  For example, the usual length of service for quality Nokian tires can be as long as 60,000 miles.

4. Pay Attention to Balance and Alignment

Improper wheel alignment is the main reason for premature tire wear. Poor alignment and balance issues also contribute to over-consumption of fuel and loss of road grip. Check the alignment immediately if you sense the vehicle pulling towards either side while driving or if the steering wheel shakes when driving at high speeds.

5. Stay on Top of Tire Rotation

If you’re only buying two tires, always fit the new tires in the back. Having the better tires in the back means more driving control and directional stability. Also, be sure to have your tires rotated every so often – many people like to have this done at the same time as an oil change – in order to ensure even wear. In addition, replace the valves every time you change your tires. Properly tightened and functioning values with well fitted dust caps make sure the tires remain safe. Check for tears on the side, cracks, bulges, and damage to the wheel rim. Sub-standard products damage easily, but high-quality tires will last longer.

These five tire tips are extremely important to follow, primarily because they concern the safety of the car and its passengers. On top of being a smart car owner who properly maintains his or her vehicle, remember to avoid rash driving, excessive speeds, and frequent braking. Take good care of your car and it will take good care of you!

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  •  License: Royalty Free or iStock source: http://office.microsoft.com/en-us/images/results.aspx?qu=tires&ex=2#ai:MP900202010|

James Cash is a master mechanic and part time writer.

Keeping Your Vehicle Safe In New Jersey

The Garden state is a wonderful place to explore, raise a family, or settle down. It offers the upscale pace of cities, beaches and shore living, woodlands and farms, and family-friendly suburbs. There is an environment for everyone, and a different feel to each part. While its diversity in living arrangements is beneficial, one thing to remember is that the laws of the state are all the same, no matter which environment you choose to live in. For your own safety, New Jersey holds high standards and regulations on most of their state laws. Motor vehicle regulations are no exception to these rules. Expect to cruise around in your car with style, while upholding a strict degree of safety. While most states can be fairly lenient in their safety inspection rules, NJ makes sure their residents are in tip-top shape while cruising on their highways.

NJ Inspection
If you plan on driving around with your Toyota in NJ, be prepared to meet all of the necessary requirements to do so. While it may seem like a lot compared to other states, it’s all for safety’s sake! The rules of a NJ inspection have gone through some changes in recent years. Due to budget cuts, decisions needed to be made on what was most important for the vehicles of the Garden state. As of August 2010, residents will not have to worry about working lights, turn signals, or other mechanical safety aspects during their cars’ inspection. Although a damaged brake light or turn signal can still land you a ticket while driving, it won’t flunk you during a mandated inspection test. It’s up to you as the responsible driver to check and fix your lights and signals.

Emmissions Test
The biggest test for your vehicle to undergo in a NJ inspection is the emissions test. While some states negate this portion all together, New Jersey adheres to a strict guideline when it comes to the quality of our environment. While efforts are being made every day to meet the air requirements set by the National Clean Air Act Standards, New Jersey still has not reached its goal. This is why the emissions portion of the inspection process is so crucial, not only for the safety of the vehicle but also for the safety and cleanliness of the environment.  Vehicles that exceed national health standards will fail to pass the inspection, and must be assessed by a mechanic to have the emissions problem fixed. Gas caps will also be inspected to assure that it limits the escape of fumes into the environment.

Inspection Sticker
If you pass the regulations of a New Jersey state inspection, you get shiny new sticker on your windshield saying to come back in another two years. Fortunately for people who reside in New Jersey who purchase a used, non-commercial vehicle inspection does not have to be done until the vehicles model is five years old. The inspection of motorcycles has also been cut and it’s up to the driver to keep their bike safe and secure while braving the roads.

Just like any state, safety and security is a top priority for the vehicles of New Jersey. The laws may vary, but they still exist. When making the move to the popular east coast state, be sure to review the laws and regulations necessary to reside there. It’ll make the transition much less stressful and much safer! Enjoy your ride into Jersey!

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Ashely is a New Jersey resident and has been through all the strict New Jersey inspection laws. To see more, check out her Twitter @ashelymarie1985. 

Tips To Keep Your New Car Running Like New For Years To Come

Your new car is your pride and joy. When you left the Ford dealership lot with your brand new car you were then hit with a terrifying thought—this is as good as your car will ever be, it is all downhill from here. There is no need to be so pessimistic about your new vehicle the second you drive it off the lot because with proper care and maintenance, you can keep it running like a brand new car for years to come. And there is no reason you and your car should not have a long, happy relationship together if you are willing to put the proper effort into it. Here are the ways to keep your car running like new for years to come.

Follow the Service Schedule

Did you read your owner’s manual? Well if you didn’t, do it now, because inside there is a service schedule that will tell you exactly what service your car will need and how often you should get it, according to Edmunds. The manufacturers build your car, they know the ins and outs of this vehicle better than anyone and therefore know what kind of maintenance is needed to keep it running at its best, so why would you choose to ignore the service schedule they laid out for you? They couldn’t have made it any easier for you if they scheduled the oil changes and tune-ups for you themselves! Do you and your car a favor and do not skimp on the maintenance, you will be thankful that you didn’t in the long run.

Don’t Make a Lot of Short Trips

Short trips of less than 10 minutes are actually really bad for your car, explains Cars.com. Whenever you can, try to pair up your short trips and errands to avoid short trips because they really are unkind to your car. Here’s what happens: when your car is on, one of the processes of engine combustion is it creates water. That water will then turn to vapor and be released out of the tailpipe or ventilation system, but if you are on a short trip, the water is never given the chance to heat to the point of turning to vapor. That means the water then just sits in the engine and exhaust system, which can lead to rust. Another problem with water just sitting in your engine is that it can dilute your oil, causing a need for more frequent oil changes.

Let Your Car Wake Up

When you first start your car, it needs a moment to wake up and get its gears greased, literally. When a car has been sitting for five or more hours, the oil has left all of the greased parts and drained back into the oil pan. So, when you first start your engine, you need to give it at least 30 seconds to allow the oil pump to lubricate your engine again. If your car has been sitting, unused for more than 24 hours, give it a little more time before putting it in gear and driving off to ensure proper lubrication.

Proper care of your car will help to ensure a long life, and when your car does have problems a quick visit to your Ford dealership parts and service department should have you fixed up and on your way in no time, especially if you have been doing your due diligence with preventative care. 

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Ashely is a recent college greaduate with a degree in writing. She grew up with a house full of motor heads so she enjoys writing about cars. To see more, check out her Twitter @ashelymarie1985. 

Finding The Best Volkswagen Auto Parts

Consumers frequently hunt for numerous characteristics when looking for a car. Some favor eight cylinders and horsepower while others merely want additional trendy accessories for a fantastic looking vehicle that manages smoothly. Furthermore, each driver likes to feel comfortable. Volkswagen provides quality service in each of these aspects. The company has built its standing by being professional and skillful, producing lustrous, magnificent, and long-lasting automobiles. Even today, Volkswagen auto parts provide true strength and superb performance, having stood the test of time in today’s world of car manufacturing.

Even though Volkswagen has advanced, their principles have remained grounded, from the innovative Beetle to the latest Jetta model. There are a number of Volkswagen accessories and parts that suit every VW models’ need to become ever more exemplar and conspicuous than before.

Finding Your Volkswagen Parts

Volkswagen body parts can be hard to find when you need them quickly. When you need VW auto body parts for your automobile, you should make sure that you know where to find them beforehand. Thankfully, there are online auto parts websites that offer numerous VW auto parts. However, if you have one of the older model Volkswagens, auto part dealers may need time to order the part specifically for VW model.

A Brief History of Volkswagen

Volkswagen is a German automobile manufacturing company famous for its classiness and performance. Volkswagen vehicles are popular and respected for their up-to-date features, good quality, and endurance. Designed by well-known engineer Ferdinand Porsche, the initial Volkswagen was intended to be a compact, inexpensive, convenience for the everyday German citizen.

The legendary Volkswagen Beetle went into full production during the end of the 1940s, eventually landing on the American coast in 1949. By 1955, more than a million Volkswagens had been manufactured at the Wolfsburg factory, establishing the Beetle as a darling of overseas buyers. During the 60s, the Volkswagen skyrocketed.

The 90s were coming to a close, and the reemergence of the Jetta together with acquirements of choice luxury car brands like Bentley, Lamborghini, and Bugatti, gave the automaker more leeway in a huge number of divisions. The 5th Generation Golf was launched in 2002. During that same year, the polished Touareg was introduced as a stylish, comfortable SUV. Volkswagen’s numbers steadily climbed in the United States as well, and the sophisticated Phaeton and the hardtop convertible Eos were hits. VW has reinforced itself as a winner in the automotive industry, which is a good thing. With the onslaught of the Internet, Volkswagen auto parts are more readily available. Many parts may have faded into obscurity without the availability of online merchants.

Conclusion

VW is a brand name that delivers classy vehicles offering smooth functioning and reliability. If you decide to reinstate Volkswagen parts, you will find a broad range of genuine car parts available at reasonable prices. Often times, you can find your required car parts via an online catalog at one of the many Volkswagen dealers by giving the make and model of your car. Keep in mind that older Volkswagen models may require a waiting period since the auto part will more than likely require special ordering. Some Volkswagen dealers will actually find the part for you if they do not have it in stock.

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  •  License: Royalty Free or iStock source: https://www.google.com/search?as_st=y&tbm=isch&hl=en&as_q=volkswagen&as_epq=&as_oq=&as_eq=&cr=&as_sitesearch=&safe=images&tbs=sur:fmc&biw=1440&bih=839&sei=KU3pUaqUBajD4APQmIHwDg#facrc=_&imgdii=_&imgrc=Hk1Lx_IUxIBiHM%3A%3BW0-1ap9SJgtWfM%3Bhttp%253A%252F%252Ffc01.deviantart.net%252Ffs70%252Fi%252F2012%252F302%252F2%252Fe%252Fvolkswagen_beetle_by_amitshita-d5jend8.jpg%3Bhttp%253A%252F%252Famitshita.deviantart.com%252Fart%252FVolkswagen-Beetle-334927052%3B1024%3B688

Mike Miller has just bout a new Volkswagen Jetta and is very excited. He decides to find a good place where he can purshase auto parts if there is any problem with his car.