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Archive for May, 2015

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At the Chapman Payson dealership, we believe that clean cars are happy cars!

If you live in a cold climate, any day in spring and summer is worthy of a celebration. However those salt stains on your car’s fenders and the extra gloves knocking around in the back seat might keep you stuck in winter mode.

You can spring clean your car with items you already have at home. Therefore, there is no need to spend money on expensive cleaners when you already have good car cleaning products at home.

In this article we discuss some spring cleaning and maintenance tips when on a budget. Below are a few car-cleaning procedures you will need to do if you are new to cleaning your car yourself:

You Don’t Need Too Many Supplies

You will need a bucket of water, car-wash soap along with a rag or soft sponge. A hose could be helpful but isn’t absolutely necessary.

Begin by washing your car until all the salt, dirt and grime are gone. Your car is tougher than you think, so get in there and clean that dirt out. For those hard to reach places, cotton swabs are great for getting that gunk out in the side mirrors, hubcaps and the windshield wipers.

Those pesky bugs are always there no matter where you drive. To remove them spray the stuck bug location with water and let it soak in for a few minutes. They should be easy to scrub of now as the moisture will loosen those stuck on bugs.

Clean Windows With Vinegar

Most car owners want their windows to be shiny and free of streaks and residue. Not only can dirty windows make an otherwise nicely clean car look unattractive, it can also be a safety issue.

You don’t need to buy special window cleaner. Water should be enough but for those stubborn streaks try adding a bit of vinegar to the water.

Vinegar in water is excellent for cleaning the inside of the windows and it will also kill any germs.

Clean The Inside Too

The inside of the car is trickier and more tedious than cleaning the outside and usually less fun. On the inside you have to get on your hands and knees and get into all of those crevices where the coffee cups, wrappers, bags, candy, and gum are hidden.

The vacuum cleaner can be a life saver in these situations. Make use of that small vacuum head attachment that came with the vacuum cleaner to get into those tight spots.

In conclusion, you don’t think too hard about cleaning your car. No special products are needed except for soap specifically recommended for your car. You can even give hair conditioner a try to give your car that extra shine. So don’t delay, spring clean your car today and be prepared for those warmer months.

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Aims to Build Loyal Workforce

Fiat Chrysler Automobiles (FCA) recently announced that all employees at the company’s United States dealerships have an opportunity for free college tuition. The company’s 2,400 U.S. dealers employ more than 118,000 people under the Fiat, Ram, Dodge, Chrysler and Jeep vehicle brands including workers at the Chapman Payson Auto Center. The education is only available through Strayer University, which offers a complete online program. Although the program typically costs $42,000 per person, there is no word what it will cost FCA per employee. The program is designed to satisfy a real need for education in America, as well as build a loyal workforce. “With the increasing cost of a college education, offering free college degrees without the burden of debt presents a significant value that we are pleased to provide and that differentiates us from our competitors,” said Al Gardner, Chrysler CEO.

College Degree Cuts Unemployment Rate by Half

Although your return on investment for a bachelor’s degree can vary depending on the industry, a recent study shows that those with a college degree are about twice as likely to have a job as those who don’t. For people who aren’t employed at an FCA dealership, a good place to start is with an Associate of Arts degree at a Community College. The cost per credit hour is about a third of what major universities charge and you can get your first two years of courses out of the way. A Bachelor’s Degree is not the ultimate tool it once was for landing a job, but is still necessary for many professional fields like teaching, engineering and business.

FCA Benefits Package Driving the Future

For FCA employees, a complete benefits package is just part of a program designed to help all workers realize their maximum potential. A comprehensive health and wellness program and the ability to build long-term financial security are important to maintaining a happy and productive workforce. Special FCA perks include a discount buying program that allows the purchase of up to six vehicles a year. For those who like to have a new vehicle in the garage at all times, a special lease program allows for switching out a car or truck every one or two years. There are also discount programs for insurance, computers and legal services, as well as discount tickets to theme parks and other local attractions around the country.

Jumping Over the Word Bankruptcy

Believe it or not bankruptcy isn’t the end of the road, even though the public stigma might make you believe so. Bankruptcy actually helps you to move on from debt and on with your life. Furthermore, it is more common than you might think. There were 936,795 total bankruptcy filings in 2014 as per the United States Courts. In those numbers, it is hard for borrowers and lenders to ignore. If lenders didn’t consider those who went through bankruptcy, they would run of out potential clients.

Bankruptcy can seem like a burdening process but there is hope. You can still get approval for an auto loan after, even during bankruptcy. You just have to know how and be prepared for auto financing.

Understand Your Choices

You need to consider your options before applying for a car loan if you are still in the bankruptcy process. In going through bankruptcy, hopefully you have learned to manage your money better. However are you comfortable taking out another loan? Be brutally honest with yourself. If your answer is yes, Chapman Payson offers the following tips will be very helpful:

Build Up Your Credit Score

Unfortunately the only way to repair bad credit is to use it. Seems like a double-edge sword but there is no escaping it. The fastest way to rebuild your credit is to make loan payments on time. Be sure to keep up with any existing monthly payments. When you apply for a car loan, the lender will check your recent financial history to see if you are making your payments on time. Bankruptcy should have discharged most of your previous debts and your slate should be clean, so this shouldn’t be a major problem.

Higher Interest Rates

Once you have completed your bankruptcy process, you cannot file for bankruptcy again too soon, there would be no reason to. Lenders actually see this as an opportunity. They are willing to take the risk of someone recently discharged from bankruptcy because they have no choice but to make the payments. You can expect to pay higher interest for the risk to the lender. Just keep making your payments on time and eventually your risk level will be reduced and you will be able to pay lower interest rates.

Be Reasonable

If you don’t approach your finances differently after bankruptcy you will be in trouble again very soon. Use what you learned during the bankruptcy process about better managing your money. If you are making a car loan application, do it for the right reasons. A car is a necessity for some people, they will need to get to work, pick up and drop kids off at school, groceries etc. Therefore auto loans are the most common after bankruptcy. You are not alone in applying for car loans after bankruptcy.

Getting Approved

Bankruptcy doesn’t have to hold you back from living your life. It is there to help borrowers deal with their debts so they can move on with their lives. Loans help consumers to purchase items they don’t currently have all the money for. Use these two resources the right way and you’ll be driving your car in no time.