Essential Boat Maintenance Guide – A Weekly, Monthly & Yearly Checklist


Boating maintenance is vitally important. If your car brakes down you can simply call for a tow truck. Out on the water, a breakdown can turn deadly. Proper maintenance and inspections can ensure many years of safe boating. Below is a list of weekly, monthly and yearly routine maintenance schedules.


Weekly tests should be done by the captain, before each trip out on the boat. These tests should focus on making sure the equipment needed for each voyage is working correctly. Be sure to check bilge pumps, navigation lights, bungs and washers, the steering column for stiffness and fuel level. Also make sure the radio is operating before heading out onto the water. You should also have a quick look around the boat to identify any potential problems or hazards.


Monthly maintenance should focus on checking engine oil levels, and other motorized equipment. Be sure to check the oil levels, monitor the ropes and lines for damage, oil the winch and check safety equipment for damage including lifejackets as well as the use by dates on flares. Give the boat a good clean and also check for any general signs of wear and tare. Inspect the blades of the propellor for damage and inspect all other electrical items such as windscreen wipers, engine tilt and anything else electrical.


Your motor should be serviced at least once a year or more depending on how much you use your boat. As the owner you should thoroughly inspect to exterior and interior of your vessel at least once a year. Look for cracks, chips, blistering, loose wiring, broken fittings and anything else unusual. If you cannot fix what you see be sure to raise the issue with your service agent before getting the boat serviced. Be sure to check grab rails and other fittings are secure and tightly fitted the the boats hull. Check the boats rollers to ensure they are running smoothly otherwise add grease as needed.

By abiding by these maintenance schedules, you will increase your chances of having many years of trouble free boating. Without proper maintenance you run a great risk not only to yourself but to your passengers as well. Be safe, and keep up on your maintenance and checks.


Source by James Fletcher

Tips On How To Prevent Car Lockouts


One thing which happens with almost everyone is that they forget their car keys inside the car. People lock their cars and leave the keys in the ignition. This way it is easier for someone to break inside, get the keys and drive away with the vehicle. It is a real pain for you to get back inside the car and get your keys. You cannot go anywhere without getting your car keys back and that is only possible when you try to break in or get the help of a car mechanic or locksmith. In order to prevent lockouts there are few suggestions listed below.

Do not forget to take keys before leaving home-

Once you plan to leave home, take the car keys with you and once you park and leave the car take the keys out of the keyhole and keep them with you. Instead of leaving the car and forgetting the keys in the car ensure that you have them with you all the time. If you forget to take your keys out and leave, someone will do it for you and take your car away. Once you park the car and turn the engines off, if you hear any beeping once you open the door, it means the car keys are still in the ignition. The beeping sound gives you a reminder to take the keys out instead of leaving them behind. You should always keep the keys with you.

Get a spare key-

In order to avoid any bad event on your way out, make sure you have an extra pair of keys at home. People who have this problem of forgetting things and leaving car keys behind should get an extra pair of keys. This way you can avoid lockouts. You can use this key to unlock your car and get inside easily. But people usually keep this key in their houses; under doormats etc. you need to carry this key with you all the time. Just keep it inside your wallet without any key ring attached to it.

Get your lock fixed-

Car lockouts not always happen because of leaving your keys inside, sometimes it occur due to a defaulted lock. To avoid such thing you should contact a locksmith or car mechanic or else you have to face this issue every time you try to lock your car. There is another option of leaving your car without locking it, but then you do not want to risk losing your car. If someone finds your car unlocked he might try to get inside and steal it. Do not waste time and get the lock fix before it’s too late.

Attach a noisy key ring-

Do attach some noisy key rings with your spare keys and even with your original car keys in order to avoid losing them. If incase, your keys ever fall to the ground you will be able to notice it immediately due to the noise they make.

Recheck your keys-

Keep on checking your keys after every few hours, if they are still on you or not. Keep them in a fixed spot so you know where they are.


Source by Anum Sharf

2012 Toyota Highlander / Kluger Review


First produced in 2000 as a 2001 model, car enthusiasts didn’t expect much from this car. The mini SUV market was already dominated by Jeep, Ford, Dodge and even Toyota’s own 4Runner, so we waited to see what the Japanese were up to this time. They did not let us down, and as their motto says ‘moving forward’, they did not just move – they ran and overtook everyone!

Current Highlander

Costing from $28,240 – $37,195 the 2012 model is no different from the 2011 one, just an insignificant increase in price. In fact was i buying one i would go for the 2011 model, which averaged a 4.8 out of 5 score against the 2012 model at 4.6 on consumer reviews. It is bigger than previous Highlander models, entering into the aggressive world of cars like Jeep Traverse and leaving the lesser folk whining in their cots. It is a smooth ride, very stylish handling and the fuel economy is still something to build on. As for the driving experience, don’t expect much from it. All of the Highlander models tend to lull you into simply setting the cruise control and conversing with passengers; the electric power steering tends to be light, and the optional four-wheel-drive system does give it a chance at slogging through a muddy driveway, deep snow, or rutted trails. The cabin is very quiet, with an agreeable combination of comfort, control and driving quality though driver engagement is quite diminutive. Trailblazing in safety is the 2012 Highlander, being named the best by IIHS and scoring no less than a four-star rating in the tough federal tests. This among other features parlayed it to win as the best family SUV, a slot it might just cling onto for a while. Other highlights include upgraded leather upholstery, keyless entry/ignition, tri-zone climate control, power passenger seat and downhill assist control and hill-start assist on the AWD models. As a matter of fact the Highlander, known as Kluger in Japan and Australia was the best-selling Toyota crossover SUV before being overtaken in 2006 by the smaller RAV4.


Three trim levels are offered for non-Hybrid Toyota Highlander models: base, SE, and Limited. The limited and base models were present when the car was initially introduced, but the sport model was introduced in 2006 with a distinctively furious grille design. In Australia it was available in three guises: CV, CVX, and Grande, while a limited edition CV Sport model was also released in 2006. There was no hybrid model available in Australia, the only engine being the 3.3-liter 3MZ-FE. All have cruise control, power features, and a third-row seat. A 3.5-inch multifunction display, satellite radio and USB port are added in the SE, while the Limited gets leather-trimmed power seats. Base and Limited trims apply to Highlander Hybrid models, with equipment roughly in sync. A power moonroof, a navigation system, sound-system upgrades, and a power tailgate are among the many option possibilities that can potentially drive the bottom-line price up by thousands.


The Toyota Highlander crossover SUV can seat up to seven passengers, as of models beginning 2004. The third-row seat is smaller than what you’ll find in most competitors, and is really only suitable for children, and the boot space is greatly compromised. However, the middle section of the Highlander’s second-row seats folds away into its own receptacle, leaving you with a pair of captain’s chairs — just like in a minivan. Another added bonus is that these seats slide and recline. At the front are little spaces conveniently placed for family use and the guests at the rear have their own climate control, having not to disturb you as you tune your favourite music. The second row is equipped with a removable centre section that creates an alley from the front seats to the third row seats, and it can also move 4.7 inches to and fro depending on where you want extra space.


Available engines include a 2.7-liter 4-cylinder for the front drive SE model and a more powerful V6 is optional on the base and standard on the sport 4WD and Limited trims. The specifications are as follows:

2.7 liter 4-cylinder

187 horsepower @5800 rpm

186 lb.-ft of torque @4100 rpm

EPA city/highway fuel economy 20/25

3.0 liter V6

270 horsepower @6200 rpm

248 lb.-ft of torque @4700 rpm

EPA city/highway fuel economy 18/24 (FWD), 17/22 (4WD), 28/28 (Hybrid)

It is not a wonder this car won the best family SUV, it is rather a wonder it has maintained high market preference since its inception, being Toyota’s crossover SUV to ever get close to the Lexus LS 400 legacy. The Honda Pilot is a quick bet on this, though for more power a Dodge Durango would do, but my take is still none other. I think it’s the high time i changed my low regard for Toyota.


Source by Martin Mutai

Auto Leasing – Pros and Cons


If you have a particular car that you like but do not want to go through the hassle of getting an auto loan and repaying it you should consider auto leasing. When leasing a car you are paying money to use it for a limited lease period and one it is finished you will generally have the option to upgrade. The mechanism of auto leasing is similar to renting an apartment. As with leasing anything, there are pros and cons that you should consider before making the final decision.

Pros of auto leasing

• Saves money-this is a big advantage of auto leasing as it costs less. When you lease a car, you sign a lease agreement that states the duration of the lease and the amount paid each month. The amount to be paid each month is the predetermined value of the depreciation of the car during its usage. The payment also includes interest. When comparing the monthly lease payment to an auto loan monthly payment, the lease amount is less. If you are low on cash then leasing is the best solution

• Tax benefits-when you lease a car you do not have to pay upfront any sales tax on the lease amount. The sales tax is bifurcated and included in the monthly payment.

• Low maintenance-if you lease a car whose warranty is still current you will not have to spend any money whatsoever on expensive repairs.

• Variety-with a lease agreement of short duration, which is generally two to three years, you can return the car and lease another one. This way you can drive a variety of brand new or older model cars.

Cons of auto leasing

• Restricted usage-most of the auto leasing agreements comes with conditions. They can limit the number of miles that the vehicle can be driven in a year so if you use more miles that allowed you may have to pay additional fees. With a limited number of miles per year, this could limit where you can go on vacation or if you can even take any spontaneous weekend trips.

• Eligibility requirements are higher-it can be very difficult to lease a car if you have bad credit. Before leasing a car to anyone, they always consider the credit history because the auto leasing company does not want any lapses in monthly payments.

• Early termination can be expensive-it is not easy to get out of a lease agreement early. If the leased car is totaled, stolen, or you want to terminate the lease you may have to pay the rest of the lease. When totaled or stolen it the amount owed may be too much that your insurance will not cover it.


Source by Lora Davis

How To Make Sure The Toys You Buy Are Safe


There are some very strict safety regulations in the United States that attempt to insure the safety of toys that are sold. But even with the strict regulations there are occasions from time to time where unsafe toys make it into the market.

As a whole the regulations that are in place to ensure toy safety have been very successful. When compared to the number of toys that are sold on the market each year there have been very few accidents which were caused by unsafe or defective toys. Most accidents are caused by improper usage or common accident such as tripping on them.

In the few cases where defective or unsafe toys have actually made it into the market they were recalled fairly quickly. But this is no reason for parents not let their guard down when buying toys.

Check The Label: Safety Labels Are A Must

The first thing that should be checked when buying a toy is whether or not is the appropriate safety labels. The primary label in the United States would be that of the Consumer Product Safety Commission which signifies that the toy meets the minimum safety standards.

The next important labels to look for when shopping for toys would be age labels. You should always follow age guidelines, as they are an essential part of toy safety.

Most toys have age labels, even if they are not legally required. Any toy that is not suitable for children under 36 months must have a visible label stating so.

Although, in general most toys give guidance as to what age group they are designed for. These guidelines let you know what age group will benefit the most from the toy, in terms of development, fun, and understanding. Here is a brief guide of different kinds of toys and what age group they are intended for:

Under three years

For this age group the greatest threat that toys pose is a choking hazard. Most everything a baby or toddler gets their hands on, ends up in their mouth. For this reason, very small toys or toys with small parts are especially unsuitable. Be sure to keep marbles and small balls or buttons out of their reach; Be careful with inflatable toys and balloons; And avoid toys with pointy or sharp edges.

Three to five years

Children of this age are full of discovery and are capable of playing with more sophisticated toys. However, you should still be cautious as certain toys could still pose a risk to them. Avoid toys made with thin plastic that may break and cause injury and still watch for small parts that they may still be tempted to put in their mouth.

Six to twelve years

By this age children will be able to safely play with almost any toy they are given. However, always read hazard warnings and instruction pamphlets for maintenance guides. For example, if you buy a trampoline you will need to carry out maintenance on it on a regular basis. If you buy a bike or skateboard for your child, you should also buy appropriate protective equipment. Always make sure you get the right size ride on toy for your child, so he / she can handle and enjoy what he / she is given.

Things can get a little complicated when you have children of varying ages. When you have lots of different toys that are suitable for varying ages you have to stay vigilant. For beginners, you should teach older children to keep their toys out of reach of youngger children, especially when they contain small parts and / or are fragile. It is also best if you do not put different age appropriate toys into one toy bin. Have a separate box for each child and make sure they do not swap out toys. To help keep organized, you should follow and separate based on the age labels on the toys.

In general it is a good idea to be organized and keep toys in order. Having toys lying around the house is a common cause of accidents. If you have children of varying ages, this can be dangerous and allow smaller children to get to toys not intended for their age group. Keep in mind that children are intended to play with the toys, but all maintenance, such as changing of batteries should be carried out by an adult.

Toy safety labels offer an important safeguard against dangerous toys reaching our children, but it is just as important to use your own common sense. Before purchasing a toy, examine it thoroughly yourself to make sure that it is sturdy and well constructed. Check for any sharp edges or pointy corners, especially when buying toys for youngger children. For example, if you are buying a stuffed animal make sure all stitching is secure and small items like the eyes or nose will not come off easily.

If your child has an accident with a toy or you suspect a toy is potentially harmful, you should take immediate action. The first step is to take the toy out of the reach of all children. Once the child is cared for and the immediate danger has passed, you should report the toy to the appropriate permissions. You will need to keep the toy safe for examination and you should also try to provide details of where and when you bought the toy. It is important to regularly check online for toy recalls. This way you can remove a potentially dangerous toy before any incident occurs.


Source by Bradley M Hayes

A Typical Day in the Life of a Freight Broker


Freight brokers act as intermediaries by arranging for the transportation of cargo between shippers and motor carriers. The freight broker then receives a commission for his or her matchmaking skill. Freight brokers are also known as truck brokers, transportation brokers, property brokers and 3rd party intermediaries.

While the business concept in freight brokering is very simple, there are many details and procedures that need to be mastered. The broker needs to know what to do, when to do it, how to do it, why it’s being done and with whom to do it. Since this is a service-oriented business, it only makes sense to learn the multitude of demands and requirements. Especially in light of the fast-paced environment that becomes more and more common.

While actual “on the job” experience is the best teacher, formal training by qualified individuals helps pull everything into perspective for the beginning broker. As a result, the new broker strikes out on a note of confidence.

Having said this, let’s take a look at a typical day in the life of a freight broker.

After the freight broker has placed many prospecting phone calls and contacted as many current potential shippers as possible, he or she should have perhaps 20, 30, 40 or more shippers in their database. The initial information that each broker will collect will be general in nature: what type of cargo is the shipper shipping, where are the normal pick up and deliver points, what kind of truck is required and so on.

1. With this information on hand, the broker will want to start asking for the order by placing phone calls to shippers early in the morning – perhaps from 7:30 a.m. to 10:30 a.m. This is when most shippers are putting the final touches on their needs. Basically, the broker is asking if the shipper is looking for any trucks on that particular day.

If the answer is “No”, the broker goes on to the next and the next. At some point, the broker hits a “hot” one (or several) and that’s when the action begins.

After the broker has “proved” him or herself, the shipper will actually initiate calls to the broker instead of the broker always calling the shipper. And the shipper may want to work more proactively by looking for trucks 3-5 days out instead of just on a day-by-day basis.

2. The next step is to take the order from the shipper. The shipper will go into detail on what is required. Any uncertainties that the broker has should be cleared up immediately. It’s imperative that the broker communicates the correct information to each caller when they start calling in.

3. Then the broker will either work up an estimate of what rate is needed and they’ll get back with the shipper; or the broker will ask the shipper what they want to pay. After some calculations the freight broker will come up with an amount that they will offer to the truck. The ideal starting point is to get at least a 10% profit margin on each load.

4. The next step is to post these loads on the internet loading boards. There are numerous loading boards where loads are posted as well as searches for trucks that may be done.

5. After these loads have been posted, the broker will then go to his or her database of available trucks. The broker will then call each carrier to see if they have a truck available. In the meanwhile, the broker may be receiving incoming calls from individuals who are responding to the posts on the loading boards.

6. At some point, the broker is looking for the driver or dispatcher who will say, “Yes, I want the load”. Sometimes the broker will not find a truck. This is not like shooting fish in a barrel; however, with experience and by earning repeat business, the broker will “cover” more and more loads.

7. After the broker gets the “Yes” from the carrier, he or she then immediately calls the shipper to tell them that the load is “covered”.

8. The broker will then fax their set up package to the carrier. While the carrier is processing the papers, the broker will check out the carrier to make sure the carrier is properly authorized and insured. This is done either on the internet or telephone.

9. The last item sent to the carrier is the “confirmation”. The carrier should immediately sign and date this document and fax it back to the broker.

10. Once the broker has this confirmation on hand, the broker will want to call the truck driver if the driver himself hasn’t called the broker. The details of the load are then given to the driver along with any instructions. For example, the broker will ask the driver to call when they get loaded and when they get empty or if there is any problem. The broker will also ask the driver to call in at least every morning if it is a multi-day trip. These are important requirements that each broker should be ready to enforce and penalize if there is a blatant disregard by the driver.

11. After the load is delivered and the carrier has reported back to the broker, the broker will want to call the shipper to let them know of the status.

12. Any problems on delivery which may include missing pieces or damaged cargo should be dealt with between the shipper and carrier. Sometimes the broker will intervene; however, the broker is never liable for any damage or missing pieces unless the broker is negligent.

13. Lastly, with the load delivered safely and in a timely fashion, the broker is ready to do the process over and over again.

While this routine may seem casual and boring at times – this is hardly the truth. Most of the time the broker will experience smooth going. However, there will be times when problems will arise. Late deliveries, failure of the carrier to pick up a load, damaged cargo or missing pieces, long delays in picking up or delivering cargo – all of these need to be dealt with by the broker.

It is impossible to avoid problems, but it is possible to stay alert and ready to deal with problems proactively. If the broker works hard and works smart for the shipper, if the broker deals honestly with the truck and pays them on time – the broker is well on his or her way to a successful venture.


Source by John D. Thomas

6 Tips to Help You Buy a Used Car


Are you going to buy a used car? If so, you should try your level best to avoid making some common mistakes. After all, you don’t want to get ripped off. Given below are a few tips that can help you protect yourself when investing in a used vehicle.

Get the car inspected

If you are a certified mechanic, you can inspect the car on your own. If you are new to used cars, we suggest that you get the car inspected before buying it. Don’t make the mistake of paying for car before taking it to a good mechanic. The professional will inspect the car for you and will let you know its real value as well as possible faults.

Go for a Test-drive

Don’t just drive the car in a circle. What you need to do is take the car out of the parking lot for a test drive. Actually, driving it on the highway will help you check the accessories. If the car has a major fault, you can negotiate the price with the seller.

Never buy Without seeing the vehicle

At times, people purchase cars online without even taking a closer look at them. Have you found a good but inexpensive car in some other state? You may end up paying for a car that doesn’t match the pictures you viewed on a website. It’s not a good idea to trust an online seller that you have never met before in person.

Check the title

Once you have taken a closer look at the car, what you need to do is inspect its title as well. Actually, this is a very important step. You may want to make sure that the title has no liens.

The purchase agreement

If you are going to purchase from a dealer, you will need to sign a Buyer’s Order or a Purchase Agreement. The documents will govern the transaction. The purchase agreement should not limit your rights or protect all of the rights of the dealer. You should not rely on the verbal promise of the dealer alone.

Buy from an individual

This is very important. Some dealers act in a way that buyers think they are buying from an individual. However, the documents clearly state that the car is being sold by a dealer. Actually, in some states, the act of “curbstoning” is not against the law. However, even if it’s allowed in some states, you may have problems if the sellers kicks off the deal by lying to you.

So, if you are going to buy a second-hand car for the first time, we suggest that you follow the tips given in this article. This will reduce your chances of getting ripped off. And you will be able to get your hands on the right vehicle since you will know all the things that are important for making this big purchase. Just keep in mind that you should have everything in writing. Verbal promises are not very reliable.


Source by Shalini Madhav

The Top Benefits of Car Leasing


Car has become an almost essential part of our lifestyle. However, the present tough times of the economy have made things even tougher, raising the needs for better solutions. One option that is becoming increasingly popular is car leasing. Instead of purchasing a car outright, leasing the car lends much more benefits than purchasing the car outright! For those who are not yet aware of, we outline some of the major benefits of car leasing:-

Lower monthly payments

Single monthly payments are always cheaper than accumulating the money to buy the car straight away. This might entail getting a car loan which will inevitably have added interest to pay as well. The fixed monthly pay out is often manageable and one can easily plan for it. Again, when you lease a car, you are just required to pay for the difference between the purchase price and the predicted value of the car at the end of lease which is also called residual value. This turns out much cheaper and gives you the flexibility to afford a more expensive car even on the same monthly budget. If you compare it to the car loan payments, the total cost comes out to be hordes cheaper.

No to nominal deposit

Leasing a car requires no deposit or an extremely small deposit which in turn lowers the monthly payments. Even though it is not a requirement, no deposit car leasing is an option open to all. It not only relieves you of the strenuous process of saving the deposit but also helps you get the car a lot sooner.

No hassles over bad credit

Bad credit is often a big hurdle when trying to procure a loan. But this is not a requirement or an issue while leasing a car. Thus, even people with bad credit score can easily get a car on lease.

No worry about depreciation

One of the costliest parts of motoring is the loss of vehicle value over time. This is the reason people look at residual value to calculate it worth at the time you would try to sell it. When you lease the car, this risk is shifted to the finance company and you no longer have to worry about it. While leasing it, you know exactly how much you need to pay and by the end of contract, you just return the vehicle.

Regular upgrades

Technology in-car is changing as fast as a person is changing clothes. New safety features, greater fuel efficiencies and improvements in the car entertainment systems are coming in so fast that even in a couple of years, your car can well feel outdated. When you buy a car, it implies that you are stuck with it for at least a decade or suffer financial loss while upgrading it. However, with leasing, you can actually get the latest model for you every two to four years. Thus unlike purchasing a car, leasing is the cheapest and easiest way to get the latest vehicle for yourself.

Avoiding of extra costs

Whenever you are upgrading your vehicle to the latest model, it is more than about impressing your neighbors. You also avoid all costs which come naturally with driving an older car which can be as simple as higher fuel costs. Newer cars tend to have fewer issues and if any problem comes up, it is usually covered under warranty. Again since MOTs are not required for vehicles which are on the road for less than 3 years, least contracts tend to avoid that expense as well. Another added advantage is that one need not worry about Vehicle Excise Duty. Often this is included within the contract and is not required to pay anything extra.

Reclaim VAT

When a car is leased for business, one can actually reclaim 50% of the VAT deducted on your contract. This can be a major tax saving as well as money-saving instrument.


Source by Darren Swan

Is the Wayfinder Wireless Car Thermometer the Best on the Market?


For the money that you’re going to spend, the Wayfinder wireless car thermometer is the best deal for your buck. There are other models on the market that cost a lot more but don’t offer much more than the Wayfinder. It has many standard options and is very simple to install and use.

The Wayfinder wireless car thermometer installs easily on your dash board with suction cups. It is totally self contained and uses batteries for power. There’s no need for wires connecting to the dash for power or temperature readings.

The Wayfinder wireless car thermometer uses an external temperature sensor for outside temperature readings. This external sensor is easy to install. It’s best to install it either in the door jam or attach it to the front bumper. Some customers find installing it behind the front license plate works really well for the most accurate readings.

This model covers a wide temperature range up to 155 degrees. It can read temperatures as low as -35 F all the way up to 120F. It also comes with a useful and precise compass. This model is equipped with the ability to use complex algorithms to take into account the metal in your car and give an accurate compass reading. This same technology is used by Ford, GM, and Chrysler in their factory built cars. So you know it is accurate and reliable. The compass displays a large arrow, 8 cardinal points, and also a digital numeric reading.

The Wayfinder wireless car thermometer also has an ice alert feature that notifies the driver of possible ice conditions on the road when the outside temperature has dropped to 35F and to proceed with caution. It also has a holographic screen for easy reading in the daytime and also has a bright back light for reading at night.


Source by Frank Gribble

Best Loans For Single Mothers – Learn How to Get Approved Fast


If you are a single mother, you may be among the many single parents who struggle to make ends meet each and every month. Many single mothers have no credit, slow credit, or even bad credit. Many single mothers are young and have not yet had a chance to establish positive credit history. There are different types of loans that you can qualify for as a single mother regardless of you past credit performance and bad credit history.

Personal Loans For Single Mothers

A bad credit personal loan is a loan that allows you to meet any needs that you might have. Perhaps you need money for major purchases like furniture or a computer. Or maybe you want to take a trip, pay for a class, or even buy a car. You can barrow amounts from $5oo up to as much as $15, ooo when you are applying for this kind of loan. Your personal loan can be ether secured or unsecured. A secured personal loan requires you to pledge collateral.

An unsecured personal loan does not require you to pledge collateral. However most single mothers do not have adequate collateral to pledge, and their only option is the unsecured version of the personal loan. To improve your chances for getting approved in the amount that you need, you can always ask a creditworthy cosigner to apply alongside you. This person can be a parent or other relative, friend, or anyone who will agree to pay your loan payments should you become unable to do so. Many lenders will allow you cosigner to be released from liability of payment once you have paid a certain number of payments on your loan.

Car Loans For Single Mothers

Single mothers who are in need of a new or used vehicle can qualify in most cases for a car loan. Because a car loan is secured by the car itself (or other vehicle), lenders are more lenient when approving car loan applications. A car loan of this type is usually financed for a period of four to seven years, depending upon the purchase price of the vehicle and whether or not you have a down payment. Having a down payment is the best way to purchase a car because it will make your monthly payments lower and easier to manage. Car loans are usually for $20,000 or less.

Cash Advance Loans For Single Mothers

Another option is the cash advance loan. This type of loan requires no credit check, making it the easiest to get loan not only for single mothers but for anyone with inadequate credit history. This loan is made for a short period of time, usually a month or less, and typically around the time of your next pay date. The only requirements to receive a cash advance loan is that you have a checking or savings account and a job that allows you to bring home a weekly, bi-weekly or monthly paycheck. Single mothers who receive benefits from Social Security, SSI, or other programs can also qualify for the cash advance loan. Cash advance loan amounts are available in amounts from $350 to $1,500, and the amount you can borrow will be based on your income.


Source by Jess Peterson