Don’t make my car buying mistakes!

first_img 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,William Wille Will joined the Illinois Credit Union System in 1998, working first on the Illinois Credit Union League (ICUL) side of the organization. As PR Coordinator under the ICUL Service Corporation’… Web: www.lsc.net Details It’s 4:30 on Saturday afternoon. Brooke is with her husband in the car dealer’s F&I office – and about to sign on the dotted line. She’s excited. Her new Lincoln MKZ is going to personify the style of a young, up and coming executive account manager.The only thought on Brooke’s mind is deciding which group of friends will be first to join them for a night on the town in her new set of wheels.That’s because this time it’s different. She is confident about the deal she is about make, right down to the ventilated front seats. It fits her lifestyle and budget. She has everything to make it happen right in the palm of her hand.Within moments, Brooke will grab the keys and drive home behind the wheel of her new luxury sedan. However, it has not always been a smooth finish to the winner’s circle.Car buying mistake: Letting others steer the test drive“My first car. It was shiny, red, and had plenty of that new car smell. What it didn’t have was an auxiliary jack so I could plug in and play my favorite iPod shuffle. Had the salesperson not been so busy blasting the A/C, yammering away, and had given me time for more than just a spin around the parking lot, I probably would have realized it was missing.”Car buying mistake: Hitting the off-ramp too soon“Where was the internet superhighway when I really needed it?! I barely had time to do business with the one dealer I purchased the car from. Talk to others and maybe get a better deal? No thanks! I was one and done. Little did I know that getting online quotes right on my phone from my credit union would have actually put me in the driver’s seat.”Car buying mistake: Emotions behind the wheel“Buying a car can be a lot like falling in love, but buyer’s remorse is what I really loathe. As much as I went head over heels for my last car, I quickly learned – afterwards — it was the wrong one for me. Seriously, how often was I really going to need room for seven passengers? I should have told my emotions to have a seat in the third row and let common sense take the wheel.”Car buying mistake: Accelerating quickly“OK, I know the sticker price. Let’s also talk list price. And oh yeah – I have a trade in! All I wanted to do was get this car buying thing over with as fast as possible and cruise on down the road with the windows open. You need to hit the brakes and negotiate the best deal one step at a time. Why give the dealer wiggle room? That profit belongs in your pocket!Car buying mistake: Driving for payments instead of price“I only had the time and energy for window shopping.  Little did I know it would have also paid off to look around for rates. So while I was able to hit my sweet spot for that monthly car payment, it also meant settling for the dealer’s financing, tacking another year on to my contract and paying 60 percent more in interest over the life of the loan. Ugh!”With CU Mobile Apps, your credit union is never farther away than a tap of your finger. Financial needs occur anytime, anywhere, including on the dealer’s lot or in their finance office. Members want complete access when they want it. CU Mobile Apps keeps you in front of your members and their loan shopping.Deliver convenience with a mobile solution. CU Mobile Apps provides credit unions with easy-to-use, customized mobile applications, such as a loan request form, which give members the convenience and connection they want, anytime. http://cumobileapps.com/.last_img read more

Obama calls for preservation of US democracy

first_imgFormer US President Barack Obama on Wednesday assailed his successor, Donald Trump, as deeply unfit for the office he occupies and argued that voting for his former No. 2, Joe Biden, was necessary to ensure the very survival of American democracy.”He’s shown no interest in putting in the work; no interest in finding common ground; no interest in using the awesome power of his office to help anyone but himself and his friends; no interest in treating the presidency as anything but one more reality show that he can use to get the attention he craves,” Obama said of Trump during the third night of the Democratic National Convention.”Donald Trump hasn’t grown into the job because he can’t. And the consequences of that failure are severe,” he continued, blaming Trump for the 170,000 Americans who have died from the coronavirus, the millions of jobs lost to the ensuing recession and the diminishment of the country’s democratic principles at home and abroad. After avoiding direct criticism for most of Trump’s first term, the scathing broadsides from Obama constituted an unusually harsh assessment of one president by another. His assertion that Trump, a Republican, is incapable of meeting the demands of the presidency echoed the remarks from his wife, Michelle Obama, on Monday, that Trump “simply cannot be who we need him to be.”Biden was formally nominated on Tuesday night to take on Trump in the Nov. 3 presidential election. U.S. Senator Kamala Harris, his choice for vice president, also spoke on Wednesday, while Biden will do so on Thursday.Obama, who remains enormously popular among Democratic voters, also used his speech to offer a personal endorsement of Biden, who served as his vice president for two terms.”For eight years, Joe was the last one in the room whenever I faced a big decision,” he said. “He made me a better president – and he’s got the character and the experience to make us a better country.” Obama’s address was delivered from the Museum of the American Revolution in Philadelphia, the city where the US Constitution – and the country’s founding democratic principles – were drafted.”The one constitutional office elected by all of the people is the presidency,” he said. “So at a minimum, we should expect a president to feel a sense of responsibility for the safety and welfare of all 330 million of us. … But we should also expect a president to be the custodian of this democracy.”Trump, he said, had failed those tests.On Twitter, Trump responded to Obama’s appearance with a post in all capital letters: “WHY DID HE REFUSE TO ENDORSE SLOW JOE UNTIL IT WAS ALL OVER, AND EVEN THEN WAS VERY LATE? WHY DID HE TRY TO GET HIM NOT TO RUN?”WHY DID HE REFUSE TO ENDORSE SLOW JOE UNTIL IT WAS ALL OVER, AND EVEN THEN WAS VERY LATE? WHY DID HE TRY TO GET HIM NOT TO RUN?— Donald J. Trump (@realDonaldTrump) August 20, 2020Obama also urged Americans to vote, warning that Trump and his Republican allies can win only by suppressing and undermining votes, rather than on the merit of their policies.”Do not let them take away your power,” he said. “Do not let them take away your democracy. Make a plan right now for how you’re going to get involved and vote.”Topics :last_img read more

Michael, Huff earn weekly MPSF honors

first_imgAfter a strong 2-0 weekend for USC women’s lacrosse, the MPSF awarded senior attacker Michaela Michael and freshman midfielder Kaeli Huff Player of the Week honors on Monday.Michael earned her eighth career Offensive Player of the Week nod, while Huff received her first Rookie of the Week honor. Michael, a 2014 Rookie of the Week recipient, earned Offensive Player of the Week honors this week for her offensive explosions in the Trojans’ wins over Fresno State and Cal this past weekend. USC outscored the two teams by a combined score of 42-9 en route to raising its record to 9-3 on the season.This week’s award marks Michael’s third straight week being named the Offensive Player of the Week after winning the honor four times in 2016. Michael netted 10 goals, grabbed 17 draw controls and added an assist, a ground ball and a caused turnover to help the Trojans maintain an undefeated 5-0 record at home in 2017.Against Cal, Michael took fewer than 20 minutes to score six goals, while against Fresno State, Michael took just five minutes to score a hat trick in a four-goal performance. Her 33rd and 34th career three-goal games moved Michael into third place in MPSF history with 196 career goals, and she currently sits in fifth all-time with 258 career points. As for first-year midfielder Huff, her Rookie of the Week honor means she joins fellow freshman midfielder Kerrigan Miller as the only USC freshmen to earn the award. In her first year out ofEastport-South Manor High School, the two-time High School Academic All-American exploded with afive-goal performance, which included three ground balls, two caused turnovers and a draw win. Thanks to her five goals against the Bulldogs, Huff now ranks eighth on the team in points (14) and sixth in goals (13).Since USC debuted its varsity women’s lacrosse program in 2013, the Trojans have won 30 MPSF weekly honors (12 offensive, 10 defensive and eight rookie).USC also boasts numerous players vying for recognition in annual awards. After winning in 2015, Michael is making a strong case for yet another MSPF Player of the Year title with her team-leading 40 goals, 52 points and 76 draws controlled. Miller, a potential MPSF Rookie of the Year candidate, is giving Huff a run for her money with 29 points, 22 goals, 26 ground balls, 19 caused turnovers and 19 draws controlled.But with five games left in the regular season, USC still has a long way until postseason awards are doled out. Next up, theninth-ranked Trojans (9-3, 3-0 MPSF) will travel to Oregon to battle the Ducks (7-5, 3-1) on Friday. Then they will head down to San Diego State to take on the Lady Aztecs (8-3, 2-1) on Saturday.last_img read more

#AfroBasket2017: D’Tigers Fall To DR Congo In Tunis

first_imgRelated2017 AfroBasket: Unstoppable D’Tigers Cruise Past MaliSeptember 10, 2017In “National Team”2017 AfroBasket Women: Nigeria’s D’Tigress Dispatch DR Congo 84-47 In Second GameAugust 20, 2017In “National Team”D’Tigers “Did Not Have Time” To Prepare For 2017 AfroBasket – NBBF ChiefSeptember 13, 2017In “National Team” D’Tigers of Nigeria fail to keep their 100 percent record in the ongoing 2017 AfroBasket losing to DR Congo 77-83 in their third group A game in Tunis, Tunisia.Having narrowly defeated Côte d’Ivoire in the opener and cruising past Mali in the second game, D’Tigers fell to a more determined Congo Team to leave Nigeria’s quarter final qualifications in doubt.Ike Diogu’s 21 points and Iroegbu’s 18 points were not enough as the Congolese side ran away with the victory.Points Per Quarter1st: Nigeria 20-19 DR Congo2nd: Nigeria 17-15 DR Congo3rd: Nigeria 18-18 DR Congo4th: Nigeria 22-31 DR Congolast_img read more

NFL Week 14 Betting Guide: Spread, moneyline, over/under picks

first_imgWEEK 14 NON-PPR RANKINGS:Quarterback | Running back | Wide receiver | Tight end | D/ST | KickerAll data presented is as of Wednesday morning. You can track all NFL line movement on BetQL’s Line Movement Dashboard. Figures below calculated by wagering one unit on each touted bet with -110 spread odds.NFL Week 14 Betting Picks: Spread pick of the weekGiants (+8.5) at Eagles It only took a few hours for the betting community to lose all faith in the Eagles (5-7). Philadelphia has lost three straight games SU and ATS (to the Patriots and Seahawks at home and against the Dolphins on the road last week). At just 4-8 ATS on the season, the Eagles have fallen short of their expectations, to say the least. Meanwhile, the Giants are 2-10 and also 4-8 ATS, and although they’ve lost eigh straight games SU, they could play their first game of the season with Golden Tate (concussion), Evan Engram (foot), Sterling Shepard and Saquon Barkley all healthy. If Ryan Fitzpatrick and DeVante Parker made the Eagles defense look pathetic, even Eli Manning and that core can. The 8.5-point spread is simply too large. Per BetQL’s Public Betting Dashboard, 60 percent of the total tickets and 63 percent of the money has been wagered on the Giants ATS.WEEK 14 PPR RANKINGS: Running back | Wide receiver | Tight endNFL Week 14 Betting Picks: Moneyline pick of the weekRavens (-250) at Bills The Ravens have won eight straight games and their Lamar Jackson-led offense looks like the most dangerous unit in the NFL. Baltimore passed its recent tough stretch with flying colors, beating the Patriots 37-20, Texans 41-7, Rams 45-6 and 49ers 20-17 (in the rain) in four of its past five contests. They recently surpassed New England as the new Super Bowl favorites and are clicking on both sides of the ball. Defensively, they’ve allowed 17, 16, 20, 13, seven, six, and 17 points, respectively, in consecutive contests. While the Bills are one of the NFL’s pleasant surprises and have a solid defense, it doesn’t seem like they can match up on either side of the ball, even at home in front of Bills Mafia.Via BetQL’s Sharp Picks Dashboard, a shocking percentage of the money has been wagered on one team’s moneyline in this matchup. Find out what it is!WEEK 14 DFS LINEUPS:DK Cash | DK GPP | FD Cash | FD GPP | Y! Cash | Y! GPP NFL Week 14 Betting Picks: Over/under pick of the weekColts at Buccaneers OVER 46.5The OVER has gone 9-3 in Buccaneers games this season, due mostly to everyone’s favorite reckless quarterback Jameis Winston. He didn’t throw an interception last week, which led to the score staying UNDER the total against the Jaguars. However, the OVER hit in the nine games prior, most of which had something in common: Winston turnovers. In fact, he threw 17 interceptions in that span, which allowed opposing teams to capitalize on improved field positions while setting up pass-first game scripts for the Bucs, who frequently played from behind. Now, seemingly out of the playoff mix, Winston, Mike Evans and Chris Godwin all particularly have reasons to keep producing with urgency. Winston is in a contract year while Evans and Godwin are in the hunt to lead the league in receiving yards (Godwin is second with 1,121 and Evans is third with 1,096 heading into this week, and they trail Michael Thomas’ 1,290). How many straight weeks can Winston go without inevitably returning to his usual reckless self? You can find all of BetQL’s NFL over/under picks on their Totals spread dashboard. The Week 14 NFL betting slate features nine spreads between one and three points, a pair of 13-point spreads, and three more between eight and nine points. With so many contests expected to go down to the wire, finding an edge can be difficult.Fortunately, BetQL can help in that area. Our subscribers can view NFL ATS picks from BetQL’s model and make the most informed, data-driven wagers possible. Let’s get into some of the Sunday slate’s top options.last_img read more

BUDDING SUPERSTAR UNIQUE BELLA TOWERS OVER RIVALS IN SATURDAY’S GRADE III, $100,000 SANTA YSABEL STAKES; HOLLENDORFER FILLY FOLLOWING IN FOOTSTEPS OF MULTIPLE ECLIPSE CHAMPION STABLEMATE SONGBIRD

first_imgUnique Bella–Mike Smith–124Tap It All–Santiago Gonzalez–120Spooky Woods–Flavien Prat–120Mistressofthenight–Corey Nakatani–120What What What–Rafael Bejarano–120Noted and Quoted–Martin Garcia–124Abel Tasman–Joe Talamo–124First post time for a 10-race card on Saturday is at 12:30 p.m.  Admission gates open at 10:30 a.m. For scratches, changes and complete morning line information, please visit http://www.santaanita.com/live-racing/. ABEL TASMAN: Like Unique Bella, she’s on a three-game winning streak as she approaches her first start of 2017.  Owned by her breeder, Clearsky Farms, this Kentucky-bred daughter of Quality Road got an 84 Beyer Speed figure in winning the Starlet and has demonstrated a solid turn of foot in all three victories.  With Joe Talamo set to ride her for the fifth consecutive time, Abel Tasman will have to hope for a lively pace in which someone can engage the favorite early.  With three wins from four starts, she has earnings of $247,860. UNIQUE BELLA: Owned by Don Alberto Stable and ridden in all four of starts by Mike Smith, she’s been heavily favored in three of them, with her only loss coming in her debut going five furlongs here on June 23.  Although pressured by some observers to face males this spring, Hollendorfer has consistently stated that his Pennsylvania-bred filly will remain with her own gender through the April 8 Santa Anita Oaks and on to the Grade I Kentucky Oaks on May 5.  She made her 3-year-old debut in the Grade II, seven furlong Santa Ynez Stakes on Jan. 8, winning by 7 ½ lengths, and like Songbird, she followed that up with an easy score in the Grade II, one mile Las Virgenes Stakes on Feb. 5, winning by   8 ¾ lengths while having amassed a 26 ½ length collective cushion in her three wins dating back to her maiden triumph at Del Mar on Nov. 26.  With an overall mark of 4-3-1-0, Unique Bella has earnings of $282,400. NOTED AND QUOTED: Idle since well beaten here in the Grade I Breeders’ Cup Juvenile Fillies on Nov. 5, this Florida-bred daughter of The Factor pressed the pace and won the Grade I, 1 1/16 miles Chandelier Stakes two starts back on Oct. 1.  Trained by Bob Baffert and owned by Speedway Stable, LLC, she’ll be ridden for the first time by Martin Garcia and could prove a menacing pace presence to Unique Bella.  With two wins from five starts, she has earnings of $259,580. GRADE I WINNER ABEL TASMAN WILL HOPE TO RUN WELL FRESH IN HER 3-YEAR-OLD DEBUT THE GRADE III SANTA YSABEL WITH JOCKEYS & WEIGHTS IN POST POSITION ORDERRace 6 of 10 – Approximate post time 3 p.m. PT ARCADIA, Calif. (March 1, 2017)–Jerry Hollendorfer’s budding superstar filly Unique Bella towers over six rivals in Saturday’s Grade III, $100,000 Santa Ysabel Stakes, to be contested at a mile and a sixteenth over Santa Anita’s main track.  With the Grade I Santa Anita Oaks set as her next local objective, the flashy grey daughter of Tapit will again be attempting to follow in the footsteps of her two-time Eclipse Award Champion stablemate Songbird, who waltzed home victorious in the 2016 Santa Ysabel en route to victory in the Santa Anita Oaks.Idle since winning the Grade I, 1 1/16 miles Starlet Stakes at Los Alamitos Dec. 10, trainer Simon Callaghan’s Abel Tasman seeks her fourth consecutive win in what will be her first encounter with Unique Bella.last_img read more