Learn the Most Convenient Car Financing Options

Once you have decided to purchase a car, worked upon your budget, and selected the model, the next part is all about auto financing. Even after having a good income source and a decent credit score, applying for an auto loan is a task. It is because there are so many factors attached to it. Car financing is a purchase that will affect your financial situation over the long run, and hence you can’t go wrong with the loan term or the overall financing cost.

Direct Lending vs. Dealership Financing: Your Choice

There are two main ways to finance your car:

1. Direct Lending Option

Direct lenders can be any third-party who has an individual loan approval process and interest calculations. You can get pre-approved loans from such lenders and have them on the table while negotiating with the car dealer. There are many types of direct lenders you can choose from:

a. Credit Unions

Credit Unions are non-profit financial institutions that charge a lower interest rate on car loans. Hence, they are a reasonable option to arrange money for your new car. But, credit unions provide car financing to their members only. So, if you want to enjoy the benefit of lower interest rates, start with your credit union. If you are not a member of any credit union, check if you fulfill the criteria to become a member of one of them.

b. Banks

Banks provide car financing at affordable rates if you qualify their loan approval criteria. They are the most popular source for car buyers to get their pre-approved auto loans. Nowadays, many banks offer an online application process to help you apply for a loan from the comfort of your home.

c. Online Lenders

Many online auto financing companies offer loans to applicants. You have to submit an online loan application, and you will receive an approval within two business days. The chances of getting an auto loan with an online lender are significant. They have a network of several dealers, banks, and credit unions. Thus, they provide the best loan quote to customers, even if someone has a bad credit score.

2. Dealership Financing

Car dealers can provide you with some of the best deals by reducing the list price of your car and offering you additional discounts if you apply for a loan with them. Dealership financing includes various financing options to choose from, but check the loan quotes in detail to get the best deal.

a. Captive Finance Companies

Few automakers like Ford and Honda have their own finance companies. They are known as captive finance companies, which provide loans to car buyers with lucrative offers such as 0% finance cost for initial months. But to get such loans, you need to have an excellent credit score. Hence, you should upgrade your credit score if you decide to go for it.

b. Buy Here, Pay Here

Often, Buy Here Pay Here Dealers will offer financing options to car buyers on their own. The dealers can earn additional income in the form of interest revenue. However, they also assume the risk of missed payments. Typically, if you have a poor credit history and want to buy a used car, you can opt for in-house financing with the dealer.

c. Financing arranged by Dealers

Often, dealers have tie-ups with third-party financial institutions such as traditional banks and credit unions to help their customers secure an auto loan. They assist in getting easy auto loan approval by helping the customer meet the loan criteria. It aids them in increasing sales and enables car buyers to make the purchase quickly.

What’s your Decision?

There are many financing options to buy a car. But, choose wisely after evaluating the interest rates available to you. Understand the terms and conditions in detail and discuss the repossession terms. Will there be a grace period in case you missed a payment? Is there a pre-payment penalty? Cover all aspects and then make a well-informed decision that suits your financial situation.

How To Perform CenturyLink Email Set-Up By CenturyLink Email Settings?

The process of performing the CenturyLink Email Setup is one of the easiest things to do nowadays. There is hardly any technicality involved in the process. If you are also looking forward to do the set-up of your CenturyLink email account then you have opened the right article to find out the answer to the question of how to do the setup. We have covered the entire topic in detail and have laid forth the methods and strategies to implement for setting up the CenturyLink email account over any device. Kindly go through the entire article from top to bottom and you will get your answer.

The one thing that really matters while setting up the CenturyLink email account is the input of correct CenturyLink Email Settings for the configuration of the email account. This is the most essential part of the whole process. Any slight change in the inputs for configuration will ultimately lead to the failure in the proper working of the email account. The account configuration settings for all the devices are mentioned in this blog. Please have a look.

NOTE – Before doing the set-up of your CenturyLink Email account, you need to have your CenturyLink Email ID and Password ready with you. If you haven’t created your CenturyLink Email Account, then you need to create the account first before availing any service of CenturyLink Email.

CenturyLink Email Set-Up through CenturyLink Email Settings For Android Devices

For Setting up the CenturyLink Email Account over the Android Mobile Devices, the user is required to perform the below steps -

Open the CenturyLink Mail Application on your Android device
Enter the User Account Email ID in the designated column
Enter the login password in the password column
Now you need to provide the below Inputs for both Incoming and Outgoing Server Settings -
For Incoming Server ( IMAP ) Settings -

Sever – mail.centurylink.net
Port – 993
Security Type – SSL
For Outgoing Server ( SMTP ) Settings -

Server – smtp.centurylink.net
Port – 143
Security Type – None
After giving the Incoming and Output Server Inputs, Click on the Next Tab and your account is ready to use.

CenturyLink Email Set-Up through CenturyLink Email Settings For iPhone Devices

For Setting up the CenturyLink Email Account over the iPhone Mobile Devices, the user is required to perform the below steps -

Open the CenturyLink Mail Application on your iPhone mobile device
Enter your name in the name column
Enter the User Account Email ID in the designated column ending with the correct domain.
Enter the login password in the password column
Highlight IMAP on top of the page
Now you need to provide the below Inputs for both Incoming and Outgoing Server Settings -

For Incoming Server ( IMAP ) Settings -

Server Hostname – mail.centurylink.net
Server Port – 465
Security Type – SSL
For Outgoing Server ( SMTP ) Settings -

Server Hostname – smtp.centurylink.net
Server Port – 587
Security Type – SSL
After giving the Incoming and Output Server Inputs, Click on the Done Tab and there is it is, your CenturyLink Email Account is now ready to use.

CenturyLink Email Set-Up through CenturyLink Email Settings For Windows

For Setting up the CenturyLink Email Account over the Windows Desktop Devices, the user is required to perform the below steps -

Open the CenturyLink Mail Application or Outlook on your Windows Desktop device
Go to the File option and there click on the Info button
Click on the account settings option
Click on the manual server setup option
Enter the User Account Email ID in the designated column ending with the correct domain.
Enter the login password in the password column
Now you need to provide the below Inputs for both Incoming and Outgoing Server Settings -
For Incoming Server ( POP3 ) Settings -

Server Hostname – pop.centurylink.net
Server Port – 995
Security Authentication Required – Yes
For Outgoing Server ( SMTP ) Settings -

Server Hostname – smtp.centurylink.net
Server Port – 587
Security Authentication Required – Yes
8. In the final step, click on the SAVE button, and your CenturyLink Email Set-Up is completed and your account is ready to use over your windows device and outlook email software.
Follow the above steps and you can also set-up your CenturyLink email account very easily. In case you find anything troublesome in the above methods, then you must contact with the CenturyLink customer support and help the team for solving your query. They will guide you and solve your problem diligently. The professionals and experts there can easily provide you the correct CenturyLink Email Settings. Do contact them and start using your CenturyLink email account error-free.

Ethereum has fallen below $2,400. What Does This Mean for Investors?

After hovering around $3,000 for much of the month, Ethereum has been losing value since late last week, when it fell below $2,900 on Thursday. Since then, the price has continued to fall.

Ethereum has had a rocky start to the year, with the price falling below $2,200 in January — the lowest it has been since July 2021.

The recent volatility in Ethereum comes amid rising inflation, the stock market’s worst month since March 2020, and ongoing indications that the Federal Reserve will begin raising rates at its next meeting in March to combat inflation. Government officials have also expressed an interest in more crypto regulation and even the creation of a government-issued digital currency.

Bitcoin, like Ethereum, has stalled over the last month after a strong November; Bitcoin set a new all-time high when it crossed $68,000 on November 10. The price of Bitcoin and Ethereum is likely to fluctuate further in the future, and experts’ advice to investors remains unchanged. Despite the late slump, Ethereum finished the year far above where it began: in January 2021, the price of Ethereum was just over $1,000.

What Should Ethereum Investors Do?
Experts advise ignoring the ups and downs, as with any long-term investment. The recent high price does not imply that Ethereum’s volatility has subsided.

“The real question is whether or not people who own these coins will continue to see compound, exponential growth.” “Nothing in the fundamentals of cryptocurrency leads me to believe that answer is yes,” says Jeremy Schnieder, the investing expert behind Personal Finance Club.

Because there is no guarantee that the value of any cryptocurrency will rise, experts advise never investing more than 5% of your portfolio in cryptocurrency. Never invest at the risk of failing to meet other financial objectives, such as paying off high-interest debt or saving for retirement.

If you’ve met all of those criteria, the best thing you can do is ignore the buzz surrounding new record highs and lows. As with traditional long-term investing, the best thing you can do is “set it and forget it,” according to Humphrey Yang, the personal finance expert behind Humphrey Talks.