Pickup Trucks

A house and a car are often the two most expensive domestic purchases a householder can make. Just as it is possible to rent a house with standard payments, so too is it possible to have exclusive use of a car without buying it, a process known as car leasing. Moreover, whilst it is generally accepted as economically prudent to rent, rather than stretch oneself financially with mortgage commitments and expensive deposits, it makes even more economic sense to equally choose car leasing over car purchase. There are two main reasons for this.

Firstly, car leasing costs are principally based on how much a vehicle depreciates over the term of the lease, rather than on its purchase price. Property rentals, however, strongly reflect the overall value of the property in question. Therefore, whilst some house rental payments can in some cases be as expensive as a monthly mortgage fee, car leasing costs are generally cheaper than those incurred by embarking on a monthly vehicle finance purchase plan.

Secondly, whilst renting a property will mean foregoing the benefits of owning what is likely to be an appreciating asset, there is little to be said in favour of owning a depreciating asset such as a car. Indeed, by limiting a car lease to three years, with no further commitments, a householder will benefit from a full manufacturer’s guarantee, whilst completely avoiding the vehicle’s long-term depreciation risks.

There are several ways in which thinking ‘outside the box’ can bestow additional advantages through vehicle leasing.
One way in which some businesses and individuals view vehicle leasing, is as an opportunity to defer making up their mind on whether or not to purchase a vehicle. By taking out a contract purchase agreement, the lease customer reserves the right to purchase the vehicle at a pre-agreed price at the end of the car leasing contract hire period.  However, if the lease customer decides not to purchase the vehicle, then it can be returned to the leasing company without any further obligation. This ‘best of both worlds’ decision can also benefit the customer, should a successive sale of the vehicle bring in more money than the purchase price paid to the car leasing company.

A second way of taking a ‘left-field’ advantage of vehicle leasing, is to make good use of the cash saved on monthly lease payments over more expensive monthly purchase finance payments. These savings can, for example, be used towards a fund for increasing the down-payment on any follow-up lease. Since a higher down-payment will result in lower monthly lease payments, this saving cycle can continue even more effectively in preparation for the next follow-up lease. A third idea is to always select a vehicle that tends to keep its value better than others. The rate of depreciation on such a vehicle will be lower, which will in turn lower the customer’s month to month lease payments.

Popularity: 2% [?]

Technorati Tags: car leasing, contract hire, vehicle leasing

Van leasing is seen as the levelheaded way for any business to secure essential transport. Firstly, ownership of a vehicle has little to commend itself, from a business point of view, unless it can clearly demonstrate a profitable return. In almost all cases, a vehicle is a depreciating asset, so the business owner always gets less back than what was originally put in. Ironically, certain van leasing options can actually help a business profit from vehicle ownership. With lease purchase, for example, the business buys the vehicle at the end of the lease term, at a price already agreed at the off. If that price turns out to be less than the prevailing market rate, the firm can then sell the vehicle at a profit.

Secondly, vehicle ownership will entail either a hefty full price payment, or a large fiscal deposit, to secure a purchase finance agreement. Either option will ruthlessly eat into valuable cash flow. With van leasing, on the other hand, a modest initial deposit – amounting to two or three monthly lease payments – is all that is required to assume control of a vehicle. Furthermore, with options such as a finance lease, all monthly costs can be kept low – provided the final ‘balloon’ payment makes up the difference. Finally, the low cost of leasing will often secure a better class of van for a business, than might be financially possible through vehicle purchasing.

For any business, the principles for car leasing should be the widest choice, the most affordable rates, and the most appropriate leasing plan. The best way to guarantee all three is to choose a large, independent vehicle leasing company. Some vehicle manufacturers may remain favoured suppliers across many industry sectors, whilst certain dealers may be known for offering a few viable alternatives. The first drawback in relying on such sources for vehicle leasing, however, is a lack of price flexibility, particularly where a business is small, and does not have sufficient bulk buying power to negotiate a better deal. An independent vehicle leasing company, on the other hand, will be able to track down the best deals for all its customers. The second hindrance is being saddled with a leasing arrangement that is more profitable for the manufacturer or dealer, but may not be the one that best suits a business’s tax needs, or cash-flow patterns. An independent car leasing company will always recommend the most tax-efficient – and financially practical – plans according to the unique legal and financial status of each client. Finally, there is no escaping the fact that an independent leasing company will always offer more vehicle choice. Moreover, there will be no pressure, as is sometimes the case with dealers and manufacturers, to try and offload certain makes and models simply because they are in surplus.

Popularity: 2% [?]

Technorati Tags: car leasing, van leasing

Car leasing comes with more pro’s than cons provided you don’t get scammed of course. The market place is full of great car and van leasing companies that you can rely on who will take great pride in serving you properly.

These companies care and put their clients first and go the extra mile to ensure that you’re personally taken care of. Having said that, there are still the hundreds of scammers to be aware of as well and the most important thing to understand is how to recognise a good car leasing company from a bad one.

Spot the signs when looking to lease a new car:

• If you sign up for a new lease, they’ll pay off your existing lease payments. In this situation, they’re only going to be responsible for the payments left, which will probably be added to your new lease. You’ll still be responsible for any other fees charged by the original leasing company.
• If you’re told that discounts and rebates can’t be allowed with leasing a new car. Leasing, just like buying, is based on discounts and rebates.
• They offer to use your car as a trade in, pay off your existing loan and then lease you a new car for lower payments. After the dealer works his magic with the numbers, you’ll end up paying more than you would have originally.
• If you’re promised that you can withdraw from your contract or change to another car anytime you like. This cannot be done without you being penalized, which can run into a lot of money.

Steer clear of the scams by spending a little time on researching the company before you deal with them. It’s really easy to find out all the basics like how long they’ve been in business and if they have a bad reputation online.

Be sure to always read the small print on your legal documents and ensure that you understand the contract terms completely before signing for the vehicle finance. If you don’t understand something then make sure you find out everything before you sign it. Finding a new car leasing deal can be fun and it has many benefits so long as you make sure you’re doing business with the right leasing company and avoid getting scammed.

I recommend Futlon Leasing for car leasing and the best van leasing deals.

Popularity: 13% [?]

Technorati Tags: car lease, car leasing, car leasing company, car leasing deals, van leasing company, van leasing deals, van leasing. van lease

We are in the middle of a full blown recession, yet people are still keen to own the latest new cars. No matter how much people are struggling they still love to go out and splash out their hard earned cash on a full blown top of the range motor.

Let’s have a look at a few reasons why people love new cars so much and why they are happy to struggle financially just to drive in luxury.

Peer Pressure
This is probably one of the main reasons why people are buying brand new cars. What is worse than going out in an old heap and then seeing your friends or a family member driving a fantastic top of the range car. People don’t want others to see that they are struggling, so they go out and buy a new vehicle even though they can’t afford to show everyone they have made it in there lives.

Show off
A lot of people want to purchase a new vehicle to show off, they adore all the attention they get from having people look at them when they stop next to traffic lights or pull up in a crowded area.

Speed
Some people love cars that go super fast and they know that by buying a new vehicle it will ultimately fill there thirst for driving at high speeds. New vehicles tend to be capable of much higher speeds. Even diesels are quite quick off the mark.

Relaxation
A lot of people just buy a new vehicle simply for the relaxation factor. This is especially true if people are travelling long distances on a daily basis. They want to unwind and have all of the latest technologies that are available.

Collectors
Some people are quite lucky to be well off. Some of these people are petrol-heads (or gear-heads) and they just love to buy the latest new cars. Their newly acquired cars can often end up unused, sitting on the front drive waiting to be sold off in a few months time. To many wealthy motor enthusiasts this doesn’t really matter as they will have the financial reserves needed to fee their car buying habit.

There is nothing wrong with buying a new vehicle; I myself tend always look at new cars. But make sure that you have the right finances in place to actually afford the vehicle as otherwise you may end up getting yourself into a lot of debt and effectively the debt company may well take back the vehicle from you, leaving you with nothing.

I recommend car leasing as a sensible way to finance the acquisition of all new vehicles. I have my 5 series BMW on a very affordable BMW lease deal and all of my companies commercial vehicles are on very cheap van lease contracts.

Popularity: 3% [?]

Technorati Tags: auto finance, automobiles, car finance, car leasing, cheap new cars, motoring

Thousands of workers at Honda’s Swindon factory have returned to work after the troubles of the car industry forced its closure four months ago. All 3,400 of the returning workers will be taking a pay cut until 2010 but are pleased that their jobs are finally guaranteed after the uncertainty of the last four months.

The factory was forced to close while the company decided on the best way of dealing with the problems caused by the global recession and the effect the economic downturn has had on the number of car sales and contract hire agreements. The motoring industry has been hit hardest of all and almost all car manufacturers are having difficulty staying afloat, but Honda’s experience could serve as a good example to the other brands still hanging in the balance. Tamporarily suspending production at the Swindon plant has given them opportunity to discuss and make decisions about the company’s future as well as complete maintenance work that had been in the pipeline for a while. During the four months downtime the production lines were stripped down and rebuilt, and they took the opportunity to redecorate the whole plant, where possible by employees who had the specialist skills required for the job. 

But it’s not all good news. 1,300 workers from the Swindon factory chose to opt for voluntary redundancy at the time of the closure, many of whom still have not managed to secure alternative employment. And although the employees returning to work now know their jobs are secure, they have agreed to a pay cut of 3%, or 5% for those in management positions, for the first 10 months. The plant is only running at 50% of its normal capacity, with a predicted total production of 113,000 vehicles in 2009, less than half the original intended number of 228,000.

In short, it’s a small victory but the company is not out of the woods yet, Honda car leasing and sales figures will have to increase significantly over the next few months if they want to avoid any further disasters. The new Honda Jazz model, due to start production at Swindon in September, should increase sales and give a clearer picture of the long-term future of the Swindon factory. Not to mention as the economy begins to recover buyers will be taking advantage of low car prices as across the board from Honda to Mercedes, car leasing and purchase prices are cheaper than ever.

For great deals on van leasing and van contract hire

Popularity: 3% [?]

Technorati Tags: car leasing, contract hire, honda, honda car leasing, mercedes car leasing, van contract hire, van leasing

Thousands of UK workers are at risk of losing their jobs in the wake of the collapse of General Motors (GM), the biggest car manufacturing company in America. The company has filed for bankruptcy in the US, leaving the future of all its staff uncertain. GM Europe, which consists of UK brand Vauxhall and the German Opel, has been bought out by Canadian car parts company Magna International.  But although this means that both the British and German brands will continue production, a fall in demand for car sales and car leasing deals could mean that Magna will be making significant job cuts.

The worry for Vauxhall is that Magna is a relatively unknown company in the UK, with ties to the Russian vans company run by oligarch Oleg Deripaska and Sberbank, a Russian bank. The Russian involvement has raised worries about production at Vauxhall’s Luton plant, where they make Vivara vans, could be moved to Russia, leaving the Luton’s 1,400 workers without jobs. The German government also had a hand in making sure the takeover deal went smoothly, leading to fears that all the company’s German plants could be protected and that any cutbacks would have to be made in the UK. Of course nothing has been officially confirmed to date as Magna are still assessing the situation before making any decisions and have said they will do all they can to protect as many jobs as possible.

For Vauxhall’s 5,500 UK workers, all they can do is to remain hopeful that the company will recover quickly after the takeover by Magna, who obtained the company over other potential buyers including Italian car manufacturer Fiat. Car leasing and car sales will need to improve soon for the decision to keep factories open to be viable. In the meantime for buyers interested in purchasing a car from Vauxhall, car leasing could be a better option as it enables you to choose from a wider range of vehicles, and is less likely to leave you in a difficult position if the company suffers any further disaster in the future.

For great deals on van leasing and van contract hire

Popularity: 2% [?]

Technorati Tags: car leasing, cars, fiat car leasing, van contract hire, van leasing, Vauxhall, vauxhall car leasing

The initial idea of the car scrappage scheme was good, buyers entering the scheme are loosing out on the low price deals because car dealers are not offering them to the participants.

If you are unsure of what the scrappage scheme is, it’s where the government gives you a £2,000 grant to scrap your old car if it’s 10 years or older.

Not all customers will be denied the deal. Only new car buyers that take out a loan with the manufacturer to pay off the car over a number of years. The way they will be loosing out is because the car manufacturers who offer loans that have interest rates as low as 4.0%, they are charging customers on the scrappage scheme up to 10% APR. This now means that it would be cheaper to sell your car on the side and get a lower APR.

Toyota is just one manufacturer that is increasing their percentage rates for their customers who are part of the scheme. Toyota offers loan deals with annual percentage rates between.9 and 5.9%, due down to the length of the loan. However, they are choosing to only offer a 8.9% rate to participants of the scrappage scheme. This means that if you were buying a T2 Avensis, it would cost you £14,565 with the scrappage scheme grant, but once you pay off the loan in full, you would have ended up paying an extra £700 over the original retail price of £16,000.

Ford and Seat are another 2 manufacturers that are doing the same thing to scrappage scheme participants. Ford normally offer car buyers a 3.9 APR, but if you are buying your car as part of the scheme, you have to settle with the 7.9 APR that they have to offer. Seat is the worse of the 3, their loans normally carry a 0 APR, however, if you are part of the scrappage scheme, you will have to have a 8.9 APR.

This problem has come about because the government is making the manufacturers pay half of the bill rather than the government paying for the entire scheme. This has resulted in an increase in percentage rates to make sure that the car manufacturers don’t loose any money.

It now seems that it would be more beneficial to sell your car seperately rather than participating in the new scrappage scheme. However, there are different options that there rather than buying your own car. Contract hire is a method of owning a car that is often overlooked. By taking out a Ford lease you can get the latest cars at cheaper prices.

So before you choose to be part of the scrappage scheme, take time to consider your other options.

Popularity: 3% [?]

Technorati Tags: car leasing, Ford, scrappage scheme, Seat, toyota

General Motors, one of the largest car manufacturers in the world, has filed for bankruptcy with the American government. For as long as cars have been around, General Motors (GM) has been one of the three largest producers of cars in America and one of the largest in the world. Now the car industry is on its knees, and of the three biggest car manufacturers in America two have now been forced to seek protection from their creditors by declaring themsleves bankrupt. But what does all this mean to us?

Well, for UK consumers, the answer is probably not a lot. If you have a car that was made by GM, there’s no need to worry about the future of your car and any parts you may need, as the company is still in business and hasn’t ceased trading. With the financial protection of the US government, they hope to be through the worst of it in as little as three months. In addition GM Europe, which consists of the British brand Vauxhall and the German Opel, has already been sold off to a Canadian company who have said they will do all they can to protect the 5,500 UK jobs at stake.

For consumers looking to purchase a new car in times like these, it could well be that leasing or contract hire could be a better option than buying outright, as it gives you more freedom of choice and wouldn’t leave you in the lurch later if the manufacturer did go out of business. Certainly if you are worried about buying a car by one of the main manufacturers tied to one of the companies that is at risk such as Vauxhall or Ford, car leasing could put your mind at ease.

Whether you’re looking for a handy little car about town or a fancy new BMW, car leasing gives you a wider choice of vehicles including those that may otherwise have been out of your price range for buying outright. Your agreement takes into account your projected mileage and wear and tear, so your car won’t decrease its financial value over the course of the contract and at the end of your contract you can simply trade it in for the upgrade of your choice. With the car industry in such a state of disaster, it could be the best way to make sure you’re not affected by any future surprises!

For great deals on van leasing and van contract hire

Popularity: 3% [?]

Technorati Tags: BMW car leasing, car leasing, contract hire, ford car leasing, general motors, gm, van contract hire, van leasing

Currently in this day and age, people simply want a brand new car all the time, which leads them to get into debt. A vast majority of the population have become obsessed with having the greatest stuff in their homes that they simply are splashing out on things that they cant afford.

But what I do not understand is why do these people simply just not go for the contract hire option? It can literally save you a ton, so lets have a look at some of the benefits you can get from car leasing.

1) When you lease a vehicle you do not have to worry about the additional costs such as breakdowns because this is all covered in the contract.
2) If you actually take the time to do the sums, you will come to realise that say you purchased a car for £10k, if you get that on finance you can almost double that figure, so in the end when you have paid off the car it will literally be worth nothing. If on the other aspect you look at car leasing you will simply come to realise that you can save a fortune, because you pay a monthly fee for a brand new car then when the term is up you trade it back in for a new one, or can alternativley choose to buy it.

For great fiat car leasing deals and vauxhall car leasing deals

Popularity: 2% [?]

Technorati Tags: car leasing, contract hire

More and more vehicles are hitting our roads every day, there are so many cars around that we just do not know how to rid of them. The government are even getting concerned because they have stated that they will be offering a huge amount of money for people with vehicles that are older than 9 years old.

But the problem still is around that folk cannot afford to buy new cars because the cost is just too high, besides that there are also servicing costs, tax and MOT to consider into the equation. The car selling industry is slowly collapsing, but there are two industries which do seem to be flourishing and they are car leasing and car sharing programs.

There are a wide variety of benefits that can come from both of these, first off let's have a quick look at the car sharing program.
1) If you work and live in a busy city centre, then your best choice would be to consider car leasing. It will reduce your costs rapidly and an added benefit is that you wont have to worry about things such as road legalities. Just simply book in your time online or by phone and then go and pick up your drive.
2) It helps keep pollution to a minimal throughout the environment, if more people joined car sharing schemes than it would reduce unnecessary emissions.

Next are the benefits that can be had from car leasing
1) If you are a regular car user then you should definatley consider car leasing, because you get a brand new vehicle, which includes all the maintenance costs and then at the end of your contract you just hand it back.

For great fiat car leasing deals and mercedes car leasing deals 

Popularity: 2% [?]

Technorati Tags: car leasing, car sharing, future