041216_YKMV_A16.pdf







April 12, 2016 • Page 16
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Get the best deal on an auto loan
Thanks to the high costs
of new automobiles, many
drivers now take out loans
when replacing their existing
vehicles. Such loans make
it possible for drivers to
purchase new vehicles they
may not have the cash to
buy outright, and making
The arrival of warmer
weather means different
things to different people.
Some anticipate opportunities for outdoor fun, while
others may be considering
redecorating or remodeling
their homes. For the latter
group, home improvement
season provides a great
opportunity to make homes
more eco-friendly.
When planning home
improvement projects, it’s
best to first choose a project
and then look for ways to
make the project more environmentally friendly. Such
an approach may not only
benefit the environment, but
it also may benefit homeowners’ bottom lines.
Interior decorating
Longer days and warmer
temperatures often translate
into wanting to freshen up
the interior of a home. Heavy
draperies and comforters
are put away, and lighter fabrics are taken out of storage.
car payments on time each
month is a great way for consumers to build their credit.
Drivers want to find great
deals on their cars, but they
also should make an effort to
secure the most consumerfriendly auto loan they can
find. Doing so can save
drivers substantial amounts
of money over the course
of their loans, and finding a
great deal is not as difficult
as it may seem.
• Go to your lender first
and foremost. Loan shopping before car shopping, as
opposed to relying on deal-
ers to arrange the loan once
you find a car you want, can
help drivers secure better
terms. By prequalifying for
a loan, consumers can then
go to the dealership knowing
exactly how much they can
spend, saving themselves
time and easing nerves some
buyers may have about the
car-buying process. Prequalifying with a bank, credit
union or online lender does
not lock buyers into those
terms, leaving them room
to secure even better deals
by asking the auto dealer
to beat the terms of their
existing financing deals. Be
careful not to apply for too
many loans when loan shopping, as each application will
lower your credit score.
• Clean up your credit.
Creditors take many things
into account when determining loan terms, but perhaps
no variable is more important than an applicant’s own
How to make spring projects more eco-friendly
Whenever possible, reuse or
repurpose items you already
have rather than purchasing
new items. Longer drapes
can be cut and hemmed to
be used as window treatments in other rooms.
Making a patchwork blanket
out of old T-shirts is a crafty
project that makes use of
items that would otherwise
be destined for landfills.
When laundering linens,
skip the energy-using dryer
and let items line dry in the
sun and fresh air.
If you decide to purchase
some new items, look for
products made from sustainable or organic fabrics.
Hemp and bamboo textiles
have grown in popularity.
Hemp and bamboo plants
grow quickly, and their durability makes these materials
smart choices.
When replacing items
around the house, donate
older items to a charitable
organization.
Mon-Fri 7:30am-6pm • Sat 8am-2pm
We’re more than
just Auto Parts!
Flowers and plants
Spring and summer call
to mind beautiful blooming
plants. Relying on native,
sustainable plants is practical, environmentally friendly
and cost-effective.
According to the National
Wildlife Federation, sustainable plants are native plants.
Native plants sustain local
wildlife more effectively than
non-native alternatives, so
include native plants in your
sustainable garden. Native
plants also are less reliant
on pesticides and herbicides
BEAUTIFUL
to keep them healthy and
viable.
Don’t forget to bring
plants indoors as well. Even
though you may be opening
the windows more, indoor
plants can filter and purify
indoor air. The NASA Clean
Air Study, led in association
with the Associated Landscape Contractors of America, found that certain common indoor plants naturally
remove toxic agents such as
benzene, formaldehyde and
trichloroethylene from the
air. Efficient air cleaning is
COMFORTABLE
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Proper disposal
Spring cleaning is another
tradition for many families
come the end of winter
and dawn of spring. Many
people use spring as a time
to go through closets and
garages to remove items
they no longer use or need.
In an effort to clean up fast,
some people may dispose of
chemical products, paints,
treated lumber, and many
other items in ways that can
be damaging to the environment. Always learn local
municipal guidelines for
proper disposal of potentially harmful products. Area
recycling centers may have
drop-off areas for stains and
paints, used motor oil and
other potentially harmful
products.
Before discarding
something, see if it can be
donated or sold. This will
result in fewer items ending
up in landfills.
Exercise caution outdoors as well. Runoff from
cleaning products used on
home siding or driveways
can leach into the surrounding soil or find its
way into sewage drains that
ultimately direct fluids to
public waterways. Choose
environmentally responsible
products whenever possible.
Springtime renovation and cleaning projects
provide the perfect opportunity to adopt eco-friendly
practices that pay dividends
for years to come....
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Get complete auto repair you can trust,
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accomplished with at least
one plant per 100 square feet
of home or office space.
• Know the terms of the
loan before you drive off the
lot. Some financing terms
may be classified as Òcontingent, which means the
terms can change even after
drivers take cars off the lot.
That may mean higher interest rates or lengthier loans,
which can cost drivers considerably more money in the
long run. Drivers can avoid
that fate by waiting until the
terms have been finalized
to accept the car and take it
home.
Auto loans make it possible for millions of drivers
to purchase new and reliable
automobiles. Savvy borrowers who take the time to
secure the best loan terms
can save themselves substantial amounts of money
and still drive the cars of
their dreams.
ENERGY EFFICIENT
DOORS
Steve and
Travis Pokorney,
Owners
credit history. If your credit
history is bumpy or you are
currently carrying substantial debt, pay off as much of
your debt as possible before
applying for an auto loan.
Even if your credit history is
not great, you may be in line
for better loan terms if you
have paid off your consumer
debt and recently indicated
you are capable of making
monthly payments for an
extended period of time.
• Comparison shop.
Lenders compete with one
another, and consumers
can use that to secure the
best possible loan terms. If
one lender gives you loan
terms that you find attractive, resist the temptation to
sign on the dotted line right
away. Sleeping on it and taking the terms to the lender’s
competitors or even auto
dealers may ultimately result
in you landing even better
terms.
S e rv i n g a l l o f S o u t h Da ko ta
Fireplaces and wood
burning stoves were
responsible for some
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PR Olson
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Dryer
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