They say that age ain’t nothing but a number. Credit scores, on the other hand, are extremely important numbers that affect many potential endeavors in the adult world. There are lots of reasons to work towards a good credit score. May this list be the inspiration you need to improve yours.
Better Loan Approvals
Lenders like banks, credit unions, and even dealerships like Chip Wynn Motors use your credit score to determine how likely you are to pay back debt. Thus, the better credit score you have the better loan options you’ll get.
Better Chance of Getting an Apartment
Lenders aren’t the only ones interested in your history with debt. Landlords will also want to know your score. A good credit score means there’s a good chance you’ll pay rent on time.
Less Expensive Car Insurance
Car insurance companies see a bad credit score and make the assumption that a person will file lots of claims. Having a low score doesn’t mean you won’t be able to get insurance, but it might mean you’ll be paying a much higher premium.
Avoid Paying Deposit on Utilities
If a utility company sees that you have bad credit or no credit, they may ask for a deposit before turning on the utilities in your name. A good credit score will show them that you can pay your bills each month. Often times this is enough assurance for them to waive the deposit fee.
Spring is right around the corner. This means it is time to kick winter to the curb, and the place where winter is most likely lingering the most is your car. If you have a layer of salty grime on your car along with some trash and a bunch of junk, it’s time to spring clean your car. Follow these five steps to have the best-looking car on the block.
Empty your car. Take everything out of your car that isn’t attached—don’t forget the trunk. This includes floor mats and any cup holder liners. Divide all the stuff into three piles: things to throw away, things to put away, and things to put back in your car.
Clean the interior. Work from the top down to clean every surface of your car. Use a fine-bristled brush, like an old toothbrush, to scrub at built-up dust and dirt. Wash the windows and wipe down all hard surfaces. Finally, vacuum the seats and carpeting.
Wash car accessories. To clean your floor mats, you can just hose them down, even if they’re carpeted. Then, just hang them up to air dry. If you have cup holder inserts spray these down, too.
Wash your car. Starting with your roof, wash one panel at a time, making sure you rinse out your cloth or sponge frequently. Rinse off the soap and dry the car with a soft, clean cloth.
Put it back together. Once everything is clean and dry, put it back in your car. Make sure everything you want to keep in your car has its own place.
The end of fall is in sight, which means the coldest time of the year is just around the corner. While most people are getting ready for the holiday season, it’s also a time to get your car ready for the coming months. Here’s how to prepare your car for the winter.
First, it’s important that you get your car ready for the onslaught of salt that comes when it snows. As salt destroys paint and causes rust, you need to take steps to prevent damage. In the beginning of the winter, wash and wax your car thoroughly to keep the salt from damaging the body of your car. Do this every month or two throughout the winter.
Once you’ve treated your car, prepare an emergency kit for your vehicle. In the event of an accident in the snow, there are certain things that you will want and need. In an accessible part of your car, put together a kit with items like road flares, food, an extra cell phone or battery, as well as a blanket and change of clothes. These simple items could save your life.
By following these few simple steps, you protect your vehicle for the long haul and keep yourself safe.
Life is hectic. Between work, school, paying the bills, and seeing friends, there isn’t always time for everything that you want to do in a day. However, the good news is that there are always ways to make better use of your time. Here’s how to exercise in your car on your daily commute.
The easiest way to get some strength training is to purchase a grip strengthener. They are relatively inexpensive, easy to use, and very portable. Simply squeeze the grip strengthener for the duration of your trip.
Another strength training exercise is to bring a small dumbbell in your car for bicep curls. While you aren’t going to become a bodybuilder doing this, you will be able to tone your muscles a little bit.
If you’re looking to strengthen your core, you can do some hip lifts while driving. Having your vehicle on cruise control for this one makes it a bit easier. Just press your feet against the floor, raise your hips off of your seat, and keep your eyes on the road.
Although you may not achieve the body that you desire by doing these exercises, it’s a simple way to get yourself in motion during an otherwise stationary activity.
As Autumn is finally rolling in to Kentucky, we get to enjoy the beautiful splashes of color wherever we go. However, those beautiful colors also decorate our streets, sidewalks, and laws. If you prefer a clean lawn and are constantly working to gather the leaves, here are a few suggestions as to what you can do with fall leaves.
Make a pile. This is the most fun suggestion of all and will bring out the inner child in everyone. Make a pile as big as you can and jump in it. Invite your kids, grandkids, dogs, and neighbors to join you.
Decorate. Use the leaves to create a scarecrow. Stuff burlap sacks or old clothes with the leaves and set up the scarecrow in a chair on your porch. You can also press the prettiest leaves between sheets of wax paper, iron them, mount them, and hang them in your house.
Protect beneficial bugs. Bugs like ground beetles and lacewings use fallen leaves as winter cover. Create some safe places for them by using chicken wire to create “envelopes” or other creative shapes. Stuff them with leaves and sticks and leave them in safe places.
Create mulch or compost. Dry leaves can be an easy way to mulch your garden and is a great addition to any compost.
Imagine a world where are cars didn’t evolve to make us safer in a crash, but instead our bodies changed. This is exactly what Australia’s Transport Accident Commission (TAC) did. Together, a trauma surgeon, an artist, and a crash expert designed what they call a crash proof human, or Graham.
Graham isn’t the most attractive man, but his extreme features make him perfectly adapted to survive the forces involved in an automobile accident. So, what does it take for the human body to withstand those forces? Seemingly, it takes an extremely large, fatty head with no neck, a slightly concave face, a reinforced rib cage with extra air pockets, and thicker skin.
But, Graham can not only survive an accident inside the car, but should be able to survive getting hit by one, too. He was designed with an extra joint in his ankles for increased mobility and his knees are so flexible that they can bend in nearly any direction.
If you’re wondering why Graham exists, it is for educational purposes. The TAC wanted to show everyone how extreme our bodies would have to be to survive an accident. They are hoping that Graham will cause people to be more aware while they’re driving so there are fewer accidents on the road.
Father’s Day is on June 19, which means it’s right around the corner. If you haven’t already bought a gift for your dad, consider some of the following Father’s Day automotive gifts. Whether he’s a true gearhead or he simply likes driving, there is something for every dad.
According to AutoGuide, one of the best gifts for any sophisticated dad could be some shift-knob wine stoppers. Mercedes-Benz is one of the many automakers that make these premium wine stoppers, each of which is taken straight from a classic car. Running anywhere from $20 to $100, this gift is great for a dad who loves driving classic cars and drinking great wine, but not at the same time, of course.
Racing school is a great gift for any dad who has ever wanted to drive a racecar. Although this gift can run anywhere from a few hundred to a few thousand dollars, once your dad gets behind the wheel of a racecar he won’t want to leave. Driving schools are diverse, ranging from NASCAR to rally and supercar training sessions.
Have a handy dad? Why not get him more tools? You can check out everything from tool boxes to basic supplies. Every dad might need or want something different, so a little research might go a long way. One great way to find out is to spend time with your dad, learning exactly what he might need.
These are just some of the many auto-oriented gift ideas out there. You might also consider high-tech gadgets like Bluetooth or remote start among other things.
So you’ve found yourself asking your friend to help you haul stuff a little too often. Your friendship is getting strained because of it. Maybe it’s time to get your own! Here are five reasons to buy a truck!
# 1 – Tow and haul. This has so many advantages. You can get that boat or those jet skis you always wanted. You never have to pay anyone to haul your motorcycle to the shop. You can haul your own mulch. The list never ends.
# 2 – No sacrificing comfort. For a long time now, trucks have competed with passenger cars for comfort and accommodation. Having lots of power doesn’t mean you have to suffer in an austere and uncomfortable cab.
# 3 – No sacrificing technology. Trucks can be just as tech-savvy as smaller cars. Don’t think for a second that you’ll have to do with obsolete safety or in-cabin tech.
# 4 – Go anywhere. Trucks often feature stiffer, tougher suspension and a protected underbody. This allows you to take the road less traveled. Ever heard of muddin’?
# 5 – Return the favor. Though some people may find it aggravating that all of their friends ask them to help them move, it is very nice to be able to help the people you love. Plus, there is usually free pizza involved!
Buying a used car just doesn’t have quite the feel as buying a new car. If you’re willing to sacrifice the new car smell, however, a used car can offer many benefits its new car counterpart can’t. Whether you don’t have the money, don’t want to take out a large loan, or want a car for a new driver, a used car is the way to go.
When you head out to buy a used car, the first thing you’ll notice is the price is significantly less than a new car. If you came in with a budget for a specific car, that price difference could allow you to move up to a nicer model.
The next advantage used cars have is maintaining their value. New cars go through depreciation, sometimes up to 40 percent, the second they leave the lot and become used cars. Used cars, having already gone through depreciation, are worth the same amount you paid when you drove off the lot.
You can look at makes and models that may be discontinued or have a specific package when you buy a used car. New cars are limited to a select few models each and every year. The number of new cars pales in comparison to the vast number of used cars. If you want a wider selection, a used car is the way to go.
We here at Chip Wynn Motors can help you get a used car that fits your lifestyle and works with your budget!
New or used, you should take a car on a test drive before making a final decision. Test driving a car is the most important step in actually deciding to purchase a car. If you aren’t comfortable, hear anything strange, or the car doesn’t seem to drive right, you’ll find out on the test drive. Staring at the car’s exterior is one thing but we here at Chip Wynn Motors have some tips for test driving a car that will tell you all you need to know.
Before. Once you’ve informed the salesman you’re ready for a test drive, there’s a few things you’ll want to check out first. Check the tire tread by running your hand over the surface of the tire. If it isn’t wearing evenly, point it out. Open the hood and look for anything out of the ordinary, like massive amounts of dirt and grime.
During. When you’re on the road, you’ll obviously want to make sure you’re comfortable. Make sure you can see and read all the gauges and controls. Test everything, especially the radio, heat, and air conditioning. Drive on the same terrain as normal. If the car can’t handle your usual drive, like hills and curves, take that into consideration.
After. Sleep on it, so to speak. Evaluate and reevaluate your drive over the next few days before making a final decision. If the car doesn’t seem right for you, don’t be afraid to walk away.