09 FebWhat if the Car I Purchased is a Lemon?

Article by Dean Larson

So…what exactly is an automobile “lemon law”? These are laws designed to protect consumers and allow them to get a refund or a similar replacement automobile when their car initially turns out to be much less than expected or advertised. The general definition goes something like this: A lemon is a car that doesn’t operate reasonably within the period in which it has been owned.

Questions that come up often include “do lemon laws cover used cars” and “do lemon laws cover leased cars”? The fact is, most lemon law details depend on the state you live in. Your best order of business when it comes to lemon laws is to contact your state attorney general’s office first and ask a lot of questions. Here are a few you might begin with…

- What’s the maximum miles and/or number of years allowed from date of purchase?

- Is there a maximum price allowed per vehicle?

- Are motorcycles and off-road vehicles covered?

- Are only certain parts of the vehicle covered?

- Are private sales covered?

- Are used cars covered?

- Are leased cars covered?

- Are cars purchased at auctions covered?

- Can a dealership limit your lemon law coverage?

- How is the lemon law warranty transferred?

So, what steps should I take if in fact I qualify under my state’s lemon laws? Some general steps might include first attempting to resolve the situation with the dealer or party who sold you the vehicle. Next you might want to contact the manufacturer or its representative directly. Make sure if you contact them by mail you send it certified so you’ll have records of all your dealings. Keep detailed paperwork of everything you do. The next step would probably be to pursue arbitration. Typically you can pursue arbitration if you meet the following requirements:

- The specific problem is covered by the manufacturer’s warranty

- You have notified the manufacturer directly about the problem

- The problem substantially impairs the use, value, or safety of your vehicle

- The problem has not been satisfactorily repaired

- The manufacturer has an arbitration program

Pursuing lemon laws can be arduous if not handled properly. That’s why it’s important to ask as many questions as you can. The laws after all are designed to protect the consumer. Quite often, your state attorney general will have a government website detailing what is and isn’t covered under their lemon law and what action you can take as a consumer. It’s very important that you act fast though if you feel like you’re in the middle of a potential case because all lemon laws come with their own time and mileage limitations.

22 DecThe Four Rules to Rebates – Don’t Get Ripped Off!

Rebates

Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.

I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some really good deals.

The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks.

Rule #1. Rebates from reputable companies are usually just fine.

You can be pretty sure you will get the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a company you’ve never heard of. If you really want the product and are OK with paying the price listed then buy it but don’t count on actually getting the refund.

Rule #2. Check rebate expiration dates.

Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.

Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store.

Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.

Rule #4. Back up your rebate claim.

Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim.

Thats all for now!

Don’t forget to check out my site for even more personal finance tips!

Prince is an Investment expert who has lectured to thousands and is dedicated to helping people. For more FREE tips go to: http://investing.millionairestream.com or go straight to the download site http://investing-secrets.millionairestream.com

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29 JulProcessing Rebates Online – Better Than Data Entry, Freelancing,

Rebates


If you are one of the many individuals looking for legitimate work at home jobs, then I am sure you have heard of data entry jobs, freelancing, and typing jobs in the past. Now let me tell you something that is better than all those jobs – combined!

What is it? It’s called rebate processing, and by processing rebates online you can earn over $174 per day! In fact, for every single rebate you process, you will receive $15.00. Now on average, rebate processors can process five to six rebates every hour. You do the math on that one…

Working for just three hours everyday, you can make $270. Pretty good work at home opportunity, right?

Processing Rebates Online is Simple

The model behind processing rebates online is simple, and it works.

Here is what happens…

A company offers a rebate if the customer purchases their product. I’m sure you are quite familiar with rebates. All you have to do is look some newspaper ads or magazine ads and see “$499 after $50 mail-in rebate”, right? Something along those lines.

Well, that works because people are more incentived to purchase the product, knowing they are going to get $50 back through the mail, or in some cases online.

Well millions of these products are bought each and every day, and that means there are about a million rebates that must be processed everyday. So what do these companies do?

They outsource their work to people who would like to work from home. If you’re ready this article, it is probably because you are interested in working from home, so in this case – you would be the person they are looking to hire as a rebate processor.

When you are processing rebates online, it really doesn’t matter who you are. The only requirement is that you must have an internet connection and be at least 18 years old. It’s funny actually, I have a close friend named Janet that did not have an internet connection so she would go to her local library and use their computers and internet to process rebates.

Well, Janet was able to buy a computer and an internet connection for her house after just one week of processing rebates online. Amazing, right? Processing rebates online actually is a profitable work at home opportunity.

After matching up this work at home opportunity with others, I have discovered that processing rebates online requires the least amount of effort, easiest and simple, and most profitable work at home opportunity on the internet.

Why is this? Well, I think people really love processing rebates online because you don’t have to have a website, don’t have to have your own product or inventory, never deal with customers or leads, never have to talk to customers on the phone, and you can set your own work hours!

There are a lot of worthless scams out there online, but processing rebates online was one of the few that I could find that were actually legitimate and truly works.



Now that you know what processing rebates online is and how easy it is to do, are you ready to get started? If you would like to start processing rebates online, then you can head on over to http://www.Rebate-Processing.com. That site is currently taking a limited number of new individuals who would like to get started. Once they reach the limit, the site is going offline.

25 JulProtect Your Credit Score

Protect your credit score


Personal finance is kind of a big deal right now. Identity theft is growing. People all over the USA are declaring bankruptcy, and in general, there’s alot of worried/upset people come when the credit card comes in the mail. The problem is that we’ve lost track of our finances. We’ve got a credit card with a $3,000 balance here, and a maxed out credit card there. It all adds up, quickly.

You could say that Americans are increasingly drowning in debt. As this happens, their credit score goes down the tubes, and with it, the chance of them getting affordable credit. Their credit score goes down, and the loan payments go up. For a person already struggling to make payments, this is not a good scenario.

If you’re in debt, you need a good credit score. Without a good credit score, you can’t get low interest rates. If you can’t get low interest rates, your loan premiums are going to go through the roof. At this point, things will go downhill fast.

If that weren’t enough… Identity theft is the fastest growing white collar crime in America. One in five families have been affected by this epidemic. Identity theft protection products like the Equifax Credit Watch Gold™ with 3-in-1 Monitoring continually monitor consumers’ credit files and alert them of potentially fraudulent activity like a new credit card application that they did not initiate.

Is there a solution to both problems?

Yeah, you’ve got to monitor your credit score, and keep it low. There are several good tools for monitoring your credit. Bay Area Family Law is a big fan of Equfax’s credit monitoring tools. Credit management products like the equifax 3-in-1 Credit Report and Score Watch help consumers make informed decisions when making purchases, securing loans, paying for college educations, and managing their personal finances. Get Equifax Credit Watch Gold 3-in-1 Now!



Visit bay-area-family-law.com/personal-finance to get more information on personal finance

21 JunHow Can I Pay Off Credit Card Debt and Still be Able to Eat?

Paying off credit card debt


How will I pay off credit card debt and still have enough money left over at the end of the month for other things? This is a question that more and more people are facing. Record levels of consumer debt have left folks scrambling every month to make ends meet.

The relative newcomer on the “pay off credit card debt” scene is debt settlement. Actually debt settlement has been around for a long time, but the credit card companies didn’t want the consumer to know that they are willing to settle your debt for a smaller percentage of your total. In fact, a typical settlement amount is 50%, and some companies lately have been offering 20%. That means if you owe $1000, the credit card company would settle for $200. Great deal, huh?

Well, could be. Be aware however, your credit score will take a direct hit. And you will most likely have to endure a barrage of phone calls and mail from the credit card company. And, there is always the possibility of a lawsuit.

So how can you take advantage of debt settlement? One way is to hire a third party to handle everything for you. They will negotiate with your creditors to agree to a lower amount, and they should field all the phone calls. Their service does not come cheap however.

You can settle with your creditors yourself, saving thousands of dollars in the process. Many times, the creditors will offer a settlement amount automatically. In fact some of the so called debt settlement experts do nothing more than pass along a creditors settlement offer!

Do it yourself debt settlement is stressful, but it can be done, and has been done by many, many people who asked themselves “how can I pay off credit card debt?”



To find out more about consumer debt options, visit: Consumer Debt Solutions

John Phillips owns and operates http://ccdebtinfo.com