Month: February 2021

Which Auto Financing Option Is Best For You

Posted by menyok on in Autos, Cars

Because there are so many ways to finance a car, there is no reason why buyers should focus on one particular method to finance a vehicle. There are several ways to finance a car and understanding each method is very important for first time buyers. At the auto dealership or at the bank, the paper work may be confusing, so being educated is a requirement. Many first time buyers use only the best financing options; however, there are eight common methods that are highly recommended.

During the shopping process, no matter if it is a new or used vehicle; there will be various financing options. However, most first time buyers simply buy their vehicles directly from the dealer. They do this because it is the most convenient option. They will not have to travel to a bank or a credit union; all financing is done at one location. When using this particular method, be aware of markups; the dealer may increase the financing rates. Although dealership financing options are convenient, most first time buyers think that dealership financing is the only option. Shopping around for other financing options that are offered by third party lenders may be a better choice depending on the dealership.

Banks and credit unions should be considered as well. When banks provide loans to first time car buyers, they provide the loans on their own terms. In some cases, banks may offer cheaper interest rates. If a bank does this, consider taking the bank’s offer to the dealership; the salesperson at the car dealership may lower the dealership’s offer if the bank’s offer is better. A credit union is a great way to finance a car as well.

Another option is using a captive financing company. These types of companies are agents of the car manufacturers. Captive auto companies have one purpose, and that purpose is getting buyers into the vehicles that are offered by the auto company.

First time car buyers that may get a big financial windfall in the future should consider a balloon payment loan. When this method is used, the payments each month will be lower. However, although the payments will be less, the company will need a big payment once the loan term ends.

A secured car loan is a loan that is backed by different types of collateral, such as another vehicle or general property. Because this loan uses collateral, the interest rates are often lower. When first time buyers use their current driving vehicles as collateral, they use an auto pawn loan. However, using this particular type of loan has some major risks. The payments can have multiple loan segments, and the debt and interest could increase.

Long term car loans give buyers a much lower monthly payment; however, the loan takes longer to pay. The usual amount of time it takes to completely pay a long term car loan is about seven years. This has some minor risks as the buyer may end up paying more than the vehicle is worth. Overall, there are many car financing options for first time buyers. Consider the best method based on the financial situation.

Human Barbie Doll Subject of New Documentary

Posted by menyok on in Life

“Space Barbie.” The Real live Barbie Valeria Lukyanova has taken the internet and Youtube by storm for being able to transform herself into the American famous toy. She is unapologetically all girl and not just another pretty face. “I like everything beautiful, feminine and refined, and it just do happens that is what dolls are based on,” says Lukyanova.

The controversy

Known around the world, the Ukranian model went from Youtube to Jezzebel and V magazine spreads. The human barbie’s smallish features and fixed stare helped photographers to transform “the look.” What took everyone by surprise is the doll-like appearance actually looks as if she is the plastic proto-type.

The extreme image made people wonder what the real life person must be like on the inside, especially in an age when individuality and a person’s quirks are what make the person. Some feminist abhor the Barbie doll and the “cookie-cutter” image and what it represents.

Did she or didn’t she

The rumor mill has run mad with stories about rib removal, breast augmentation, and plastic surgeries, but the doll-faced girl swears it’s all makeup and some studies may touchup the pictures just a bit to add to her image of doll-like.

Spiritual one-tank trip

Space Barbie. The “Human Barbie Doll” has another side, her spiritual side using the Barbie-look to draw attention to the enlightenment of being.

“I am a lecturer on the subject of out-of-body experience. I am a beautiful, inspiring young woman talking about spirituality and you can see what people choose to focus on. People hear and see what they want to. I have a vast amount of work to do on myself. When people think they’ve reached perfection that is when the degradation begins.”

Her homemade spiritual advice videos on Youtube add a few makeup tips, and it’s easy to look beyond her alien-like appearance. She has an enormous following, for just the numbers of “haters” in her closet she has just as many supporters.

Human Barbie Doll holds the record for most money spent on cosmetic surgery

Is it live or is it Memorex

The Human Barbie even does a séance in her documentary to prove her remote skills, with her real life friends she refers to as “soulmates.” At one point the groups resorts to a bird whistling technique that Lukyanoya says aligns you with your spiritual DNA.

Has the “plasticity” gone to her head

She’s been to a psychiatrist she claims to check on the “voices” in her head, and visions of other planets. “He said I was very lucky, anyone else would have taken me to the “special place.”

The Human Barbie has a sister Olga, “I never thought my sister would be called a Barbie. She’s always had this doll-like look, but a doll in associated with an unintelligent person, and my sister is very intelligent and interesting to talk to.”

Why Travel Italy By Train?

Posted by nahjul on in Travel, Vacation Rentals

Why travel Italy by Train?

There are many places to visit in Europe. People often go to England to see castles, Germany to sample beer, and skiing in the Swiss Alps. However, if you are a true history buff, you will make a stop in Italy. Even if people do not go to the tourist centers, there are still many romantic and artistic places to stop. The Renaissance started in Italy before it started anywhere else. As with many other European countries, the place has many historic churches, basilicas and cathedrals. An individual may wonder how he should tour all of these places. One of the best ways to see the sights on the country is on the rails.

European countries have more public transportation available than many parts of the United States or Canada. An individual can get around in the country without a car, despite the prevalence of the Vespa scooters. An individual can see the country from the seats of a bus, but it is less expensive and more company to see it by train. A person planning on going on a rail tour should schedule his trips to take place outside of the peak season and outside of the rush hour. If an individual wants to pay more for his seats, he can pay extra for first class tickets.

Individuals who travel by train may want to book their seats before they take their trips. This is especially true if they take one of the more popular lines that run through the country. Eurostar is popular, but it is not always the best for people who only want to see the smaller cities and tourist destinations. The trains that visit the larger cities are generally faster. An individual can save money if he does not mind sitting on less comfortable seats. If someone wants to go to more destinations, there are plenty of smaller rail companies that reach the smaller towns in the country.

Traveling by rail has some advantages as opposed to air travel. It does not have ridiculous prices and European travelers are not subjected to the ridiculous security screenings.

More tips

Individuals still should pay attention to the schedules. Tables are posted in each train station. The timetables are posted in white, yellow or orange. Each schedule contains information about where an individual has to board and when he has to board. The tables should include schedule changes for special days.

There is one thing an individual or family traveling through Italy should know about his train ticket. A ticket only guarantees the holders transportation. It does not guarantee that a person has a seat on the train. If someone takes the train during rush hour, he may have to stand on a railing or in an aisle. If a person does not mind standing in the aisles, he may not worry about having a seat. Travelers who see Italy by train are getting an experience they can’t get elsewhere.

So if you are planning a trip to Italy, then you should consider the option of touring Italy by train. It is a great way to see the country.