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Hi Fishes,
I resigned from TCS in August and in another 18 days it's my LWD with TCS, now i got call from my lead saying they will provide canada onsite opportunity and he said he has multiple projects at onsite which he can give me, some are saying it's just a gimmick to retain you nothing else, my DM asked me to say yes or no by tomorrow so that he can start the process he said once i get approval mail then only i can take back my resignation. Do you think i can believe my DM? Tata Consultancy Infosys
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https://reddit.com/r/personalfinance/comments/3898f1/step_by_step_guide_on_how_to_buy_a_car_my_friend/ this is a pretty good guide. highly recommend negotiating over email, then you can go at your pace and without the pressure of being in the showroom. plus if you are traveling lots it will save you the time of visiting dealerships that are going to be a waste of your time.
Don’t buy a new vehicle. Buy 1-3 year used.
Following !
Make sure to talk to several dealers nearby to see who has the best price on the one you’re looking for. Most times they’ll match or beat each other on price. Also, while the sale price may be low they’ll get you on all the addons when you get to the finance manager. So be careful with what they’re trying to sell you. Also interest rates are pretty terrible right now...we got a car last weekend and my credit is super excellent and we still got 3.6%.
Get pre-approved for a loan at your own bank or credit union before going to the dealer. Find the car and negotiate the price. Then close at the lender, not the dealer (important!). All you have to do is show up at the dealer with a check and get your keys. This works really slick if you are trading in a car whose loan (if you still owe) is with the same lender.
Btw, 3.6% is not a terrible rate. The best rate I ever got for a car loan was 2% on a 5-year. Idk how they made any money on it.
For a while a lot of car manufacturers were offering 5 years at 1% or lower. Was nice.