Student Car Loans: Essential Tips to Buy Your First Car Easily

A car is no longer a luxury. We have said this many times. However, buying a car seems like a privilege, especially when you do not have a credit score or a full-time job that pays well. Traditional lenders may reject your loan application for lack of financial stability. Bringing home those new set of wheels can become a daunting task if you are a college student or even a recent graduate trying to build your career.

If you want to make the car buying experience a pleasurable one, seeking the right advice and solutions will definitely help. But first things first: Buy a car only when you need it. You do not want to carry the burden of a car loan along with the pressures of college life. Opt for a vehicle if it allows for easy commute and easy access to job opportunities.

Buying a Car: What Problems do First-Time Buyers and Students Face?

1. Lack of Experience

As a student, you may have never purchased a car or any other asset on your own. It can make the entire buying process and financial procedure intimidating. Lack of experience means you can get stuck with a lemon or end up paying more for a car than its worth. In order to avoid getting ripped off by dealers and lenders, it is essential to conduct thorough research online and seek multiple options before signing on the dotted line. You can even ask your parents to assist you in making the purchase.

2. The Issue of No Credit History

Another crucial issue that young buyers face while buying their first car is the absence of an established credit history. If you do not have a credit score, lenders won’t be able to ascertain your credit worthiness. The majority of them will reject you or offer you high interest rates and lower LTV. To avoid an expensive student car loan, you need to apply with several lenders who are open to working with credit-challenged car buyers. Remember lenders believe that it is better to have a no credit score instead of a bad one.

Can a Student buy a Car?

When it comes to buying a car as a student, you have many options. Despite the obvious problems of lack of financial experience, you can still get a car.

1. Save for a Car

If you are not in a hurry to buy a car, you can save for a couple of months and then, buy it in cash. If you have the money, making a cash purchase is easy because you will not require any kind of loan approval. It won’t matter if your credit score is good, bad or non-existent. On the other hand, you will have to wait for your car and the cash purchase won’t help you build your credit score.

2. Ask your Parents to Buy You a Car

If your parents can afford to buy a car for you, you will be able to get behind the wheels quickly and without giving away a large chunk of your savings. The majority of parents offer to buy a used car for their college-going students to make them learn the responsibilities of owning a vehicle. If your parents are unable to buy you a car or you decide to buy it on your own, this option is not suitable for you.

3. Apply for First-Time Student Car Loans

Specially designed for first-time car buyers, these auto financing programs help you to buy a car with no credit history. Research to find online auto financing companies that help students secure car loans at the click of a mouse. By choosing a student car loan, you can buy a car and be on the right path of establishing your credit score. If you can convince any of your parents, family members, friends or employers to co-sign your loan agreement, you will be able to improve your approval chances phenomenally. It will also lead to lower interest rates.

How to get the Best Auto Loan Rates?

Just as you prepare for your exams, you must prepare for the car financing process. If you want to build a good credit score and ensure affordable monthly payments, follow the tips mentioned below:

1. Find a job that allows you to make car loan payments and assume other car-related expenses. Falling behind on payments can deteriorate your credit score and increase your chances of repossession.

2. Fix the down payment amount that you will pay to the dealer. It will reduce the loan amount and allow you to enjoy low monthly payments.

3. Learn your credit score. A no credit score situation means you will still have a credit score, albeit a lower number. It will never be zero as expected by most student car buyers.

4. Even if you have never applied for a loan, an old department card or a checking account may work in your favor and result in a decent financial history. So, keep a list of your financial documents (bank statements) ready.

If you are student who wants to buy his first car, you may face a few hurdles along the way. However, if you are prepared to solve them with tact and patience, you will be able to become a proud owner of a car.

How to prepare for flu season in the time of COVID-19

While the focus is on COVID-19 outbreak, influenza season cannot be ignored. Just like coronavirus, influenza virus can spread with mild infections.

Influenza is a viral infection that attacks the nose, lungs and throat. Last year more than 39 million people got sick with influenza according to estimates of CDC. So the question is what will this winter be like with both COVID-19 and flu in the mix? The specialist exactly doesn’t know yet.

But there are certain steps you can take to protect yourself and your loved ones, and help keep the hospitals from becoming overwhelmed with sick patients this flu season. The flu season may start in October and doesn’t rear its heads until January or February. Influenza virus and coronavirus are both spreading in similar ways so it is likely to use face masks, maintain social distance and other actions to reduce the spread of flu and coronavirus. Face Masks provide a physical barrier for large particle respiratory droplets when an infected person sneezes or coughs.

How to prepare yourself with the flu?

Both the flu and coronavirus are serious illnesses. Prepare yourself and your loved ones.

Get your flu shot:

Research shows that the flu vaccine can reduce the risk of flu illness and makes it less likely that you would get severely ill even if you did become infected. There is no vaccine for coronavirus yet but you can protect yourself from the spread of viral infection. The CDC recommends that anyone over the age of 6 months can get vaccinated. It is advisable to get a flu shot early October to prepare for the beginning parts of flu season.

Stay vigilant with safety precautions:

Just like coronavirus, flu infection also spread through drops from a person’s nose or mouth. All the safety measures taken to prevent spread of noble coronavirus such as masking, staying six feet away, frequent washing of hands etc. can also be followed for flu season. This will reduce your chances of being exposed to a flu virus.

Know what to do if you get sick:

Influenza virus and covid-19 have similar symptoms such as cough, fever, muscle aches and difficulty in breathing. If you develop any of the above symptoms, immediately get in touch with your doctor. The doctor will better advise you what can be done and if a test for the flu or COVID-19 should be conducted.

Stock your medicine cabinet:

If you get a mild symptom of the flu or COVID-19, stay home and feel better until you get well to avoid passing it on to others. Doctors recommend keeping a few things handy just in case any of the symptoms takes place, a fever reducer such as acetaminophen (Tylenol), cough syrup, thermometer, ibuprofen for muscle aches. To measure the level of oxygen it is vital to keep a pulse oximeter at home.

Winter is the time for another contagious illness like respiratory syncytial virus (which commonly affects children) and norovirus ( a stomach bug). Taking necessary precautions for covid and flu virus will also help keep these illnesses at bay. Washing your hands frequently, practicing good cough etiquette, disinfecting hard surfaces with sanitizers and staying home while you’re sick are good practices to take in winter no matter what.

But with an extra layer of deadly disease, COVID-19 the care should also come extra. If we all want to go back to our normal lives where watching a movie in theater, eating in restaurants, playing in the garden, sending kids to school safely, we need to practice all the above preventive measures and understand that we are not just protecting ourselves but also people around us.

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Herbal Remedies For Backache And Muscle Pain Which Provide Fast Relief

Back pain, which can otherwise be called as backache is a term that is used to denote a pain that occurs anywhere from the hips up to the neck. Pain that is centered in the area from the ribs to the hips is normally referred to as lower back pain. Generally, people get backache after common infections like cold or any other situations when they have body pain. Reports state that this is a pain that affects nearly 90% of people at least once in their lifetime.

What does the back constitute?

In humans, the back is made up of a number of complicated interplay of vertebrae of the tissue, muscles, bones and the spine. Spine without any doubt is the lifeline of the body and the 24 bones of the spine are stacked on top of each other for forming a flexible and strong center. There are bones in the spine and in between these bones, there are cartilages and tissues, which may slip, erode or rupture because of injury or degradation and deterioration with age. When these things happen, the individual will experience pain that may range from severe to mild pain. The relieving news for people facing this issue is that there are herbal remedies for backache.

Going herbal is safe: As most of us know, herbal remedies do not cause any side effects and this is applicable for herbal remedies for muscle pain and backache called as Rumatone Gold capsules and Rumatone Gold oil. As the name of these remedies denotes, the former is meant for internal consumption, while the latter is meant for external application in the area of pain to get the intended relief. Generally, any herbal remedy is known to be effective mainly because of the effective constituents and here are the details about the constituents of Rumatone Gold oil:

Constituents of Rumatone Gold oil:

1. Shankhpushpi, which is an important constituent of this oil, is known for its analgesic properties and it can also help in suppressing inflammation. So, it can kill pain and can reduce the swelling that is caused due to pain.

2. Malkangni is generally known for its effectiveness in addressing any type of body pain and this is why it is added to this herbal oil to make it one of the best herbal remedies for muscle pain.

3. Bach can act as a stimulant and can improve blood supply to different parts of the body to bring down pain.

4. Another ingredient found in this oil is the gold thread and it is known for its rejuvenating properties and so it can rejuvenate the bones and muscles.

5. Saffron is found in both these herbal remedies for muscle pain and the reasons are the pain relieving and anti-inflammatory properties.

The other ingredients in this oil are spikenard, sesame seeds and senna tora. When this oil along with Rumatone Gold capsules is taken by patients, they can act as the best herbal remedies for backache.

As mentioned earlier, these herbal remedies for backache can provide safe and long-lasting results.