Brad The Art Lover...

Brad Pitt has helped a new Chicago artist pay her college fees by buying up two of her pieces. Teenager Anna Pamasa initially said the two paintings, which Pitt saw hanging in Chicago's Museum of Contemporary Art, were not for sale but changed her mind when she discovered it was Brad Pitt who was interested. Brad Pitt paid $800 for the two paintings, which Bradpitt plans to hang in his Hollywood home.

It pays to surf for auto loans online

Source: Bankrate.com

Looking for a no-fuss auto loan with a rock-bottom interest rate? jump online.

Thanks to a fresh ripple of online offerings, you could land the auto loan you desire without setting foot in a bank or credit union or squaring off with the banking administrator down at the dealership.

And you've got quite a assortment of online loans to select from. Like E-Loan and Capital One Auto Finance (Formerly PeopleFirst), several banks and credit unions now offer auto loans over the Web. Major banks that authorize customers to apply for auto loans online include Chase Manhattan, Wachovia, Wells Fargo, SunTrust, PNC Bank and Union Bank of California.

But the auto loans popping up on the Web are far from identical. Online applications, rates and customer service all vary widely. You'll need to shop carefully. Let's get started.

Better rates, quicker results

The biggest things online loans have going for them are low interest rates.

The national average for 48-month new-car loans is 7.52 percent and 8.39 percent for 36-month used-car loans, according to Bankrate.com.

Connect online and you'll find auto loan rates far lower than that. To nab rock-bottom rates, the customer must apply for the loan online and agree to automatic, electronic loan payments. If you apply for a loan by phone, fax or mail, your interest rate could edge up a quarter percent or so. Pass on the automated loan payments and your rate could jump another half percent.

Wherever you finance your auto loan, it's a good idea to ask about interest rate reductions for automatic payments. Here's another tip. When shopping for auto financing, don't overlook the financial institution that handles your mortgage or checking account. Some banks and credit unions offer interest rate discounts to auto loan customers with additional accounts.

While surfing the W0rld Wide Web for auto loans, it's important to realize that not all online lenders offer rock-bottom rates. Some banks offer the same interest rates offered in the branch to customers that apply online. So being Web-savvy may not make much of a difference to your auto loan rate.

Watch out for fees. Application fees, paperwork fees, administrative fees, all kinds of fees can turn up on an auto loan contract. Be sure to ask about fees before you apply for an auto loan over the Web.

Another thing that people like about online auto loans is the quick response time. Filling out a five-line application and getting an approval within minutes feels great.

The speed of an online application may be nice, but it's far from everything.

If you end up paying an extra $2,000 in interest costs, does it really matter that your financing was approved online in less than 15 minutes?

Shopping around the Web

Why not take a couple days to comparison shop and scope out the best possible rate available for someone with your credit record?

"Who cares in the real world if it take two days longer to save $2,000?" says Remar Sutton, president of the Consumer Task Force for Automotive Issues.

And not all online auto loans give you an answer within minutes anyway. Some online responses may take hours, even days. And not all online applications are quickies, either. Some applications are quite thorough and will take more than a couple minutes to complete.

So do yourself a favor and give yourself plenty of time to shop around for financing on the Web.

And shop early. Beat the bushes for an auto loan on your own and then ask what a dealer can do for you.

Dealing with dealers

These days, dealers are able to offer financing to just about everyone, even folks with bruises on their credit reports.

More than anything, dealers want you to buy the car, ACand they have relationships with so many lenders that they'll be able to find financing for most car shoppers, even those with less-than-stellar credit.

The only way you'll really know if the financing offer from the dealer is the best deal for you is by shopping around for a loan ahead of time. "You know what you're paying for financing and if the dealer can give you a better rate, more power to the consumer," says Brian Reed, director of the Internet channel at Capital One Auto Finance.

Not enough car shoppers enter the dealership with the power of pre-approved financing in their back pockets.

Lots of folks fall in love with a car or are so wiped out from shopping that they let the dealer dictate their financing.

"It's amazing how many people allow themselves to be told how to finance," says James Walsh, author of "Smart Wheels, Hot Deals: Buying, Leasing and Insuring the Best Car for the Least Money."

That's not a good idea. Let's face it. Dealers are in business to make money. And they will make a nice chunk of change off your financing if you let them.

That's not to say that dealer financing is all bad. Far from it.

Dealers are privy to zero-percent financing, which from an interest rate standpoint is impossible to beat. All those folks who snapped up zero-percent financing offers got quite a deal.

But was it the absolute best deal available to them? Maybe not. Many may have been better off scooping up a hefty cash rebate and landing a low-rate financing deal off the Web. Use Bankrate's rebate vs. interest rate calculator to decide which is the better way to go.

Now if you signed on for an auto loan with a dealer in the past year or so and you're unhappy with the rate you agreed to, you may want to consider refinancing.

Use the Web to check out used car rates in your area. Bankrate.com's auto loan search engine is a good place to start.

And don't overlook credit unions in your area. Digital Credit Union in Marlborough, Mass. has been offering online auto loans since 1995. As with many credit unions, you won't pay extra interest for financing a used car. Used car loans are available at new car rates.

"We typically save people $1,800 to $2,000 on interest over the length of their loans," says Tim Garner, vice president of marketing and strategic planning at Digital Credit Union.

There's a good chance you prowled the Net for auto pricing and reliability studies before you bought your car. Why not use the Web to knock down the interest rate on your loan?

"Some of the rates being offered by companies are extremely competitive, extremely good," says Ted Brown, auto finance practice manager at BenchMark Consulting International. "Why not take advantage of it, especially on used cars?"

Looking for the best mortgage, auto, credit card and other rates nationwide and in your area? Bankrate.com : Comprehensive. Objective. Free.

Identity Theft of People Scams Revealed Byy Martin Lukac

Theree are so manyy new ways to steal and defraud consumers out of their money. You should be aware of new identity theft scams. After all, knowledge is your best protection. People will go through your dumpster, steal your mail, take your wallet, eavesdrop on your cell phone calls, intercept your faxes and hack into your computer. Email scams and internet scams abound. Twenty percent of all identity theft cases involve the telephone or internet. The other 80% are a little more personal.

Before are so many new housewifery to purloin and borrow of Peter to pay Paul consumers out of their penniless. You should be vivid of new equation theft scams. after all, bibliography is your model curb. People legacy go through your dumpster, purloin your coat of mail, captivate your satchel, eavesdrop on your convent house phone stocks, bear away your faxes and drudge into your cash register. Email scams and internet scams rain. eleven percent of all drawn game stealing cases lie hid the carrier pigeon or internet. The other 80% are a abject in addition cosmopolitan.

Here are a few scams that you should be aware of:

The Credit Card Scam Alert

You get a phone call from a credit card company employee that tells you there may have been some fraudulent charges to your account. They ask for the code on the back of your card as a confirmation of your identity.

You should never give that number to anyone who calls you and asks for it. They may be very professional. They might even explain to you how a scam works. You should call your credit card company number listed on the back of your card and confirm that they made the call. Chances are that they didn't.

Account Verification Emails

This scam is also known as phishing. You often receive an official looking email from your bank or ebay or paypal that asks you to verify your account information. You may even be asked for your credit card number or Social Security number. Don't reply. Just delete the email and notify the company. Never give your account information to anyone who contacts you. Contact the company through its website or by telephone if you have questions.

The Nigerian 419 Scam

This is an email from the representative of a foreign government, often Nigeria, that asks you to help move money from one account to another. An estimated $100 million a year is lost to this scam. This Nigerian scam makes up 12% of all scam offers, according to a recent National Consumers League poll. It can be in many variations, including a dying woman, a soldier and other countries.

The Canadian Lottery

You cannot win the lottery without first buying a ticket. If someone tells you otherwise, it is a scam. This scam can cost you over $20,000. If you receive this scam offer in the mail, turn it over to your local postal inspector.

Free Credit Report Email

They aren't seeking you out to give you a free credit report. This is often a way of getting your social security number. Make sure that you never enter your credit card information in the process of obtaining a free credit report. If you do, you will pay.

Questionnaires

These often come from an "old friend" or chat room friend. It is usually a questionnaire that is then used to find out your birth date, passwords (through your favorite things) and even your social security number. Don't answer these or even reply. Simply delete the email or throw the mail away. You should never give out your Social Security Number unless it is absolutely necessary. You do not have to give it to apply for a job. Simply state that you will provide it once hired. Some people break into offices just for the information on those job applications. Other jobs aren't legit, just a way to get personal information. Anything that appears off or out of the usual, often is. Trust your gut and don't give out any information. Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

Article Source: http://EzineArticles.com/?expert=Martin_Lukac

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