6 Mistakes To Avoid When Choosing Rugs

A rug accentuates your house and the configuration of the furniture but when you visit rug stores, you are bombarded with the different colors, sizes. Materials and types of rugs available and either you buy a rug which is not suitable or you come back empty handed.

How to select best antique rug

Just as a rug acts as a statement piece in any room if well placed, it can also be a great turn off if it is poorly chosen and can make any room look displaced. It is a bold piece that can make any room look classy and stylish and vice versa. So make sure you do not make the below-listed mistakes when you buy rugs form rug stores.

The perfect rug selection tips

The Sizing

This is the most important thing that you should make sure is perfect and to the point. Imagine placing a small rug in a huge room with classy big furniture. Immediately the room would look disjointed to the onlookers. The size of the rug should be considered according to the size of the room and the furniture placement. Same goes for a very huge rug in a small room. If you are placing a rug in a living room then either it should half cover the sofas or the chairs or if it is in the center then it should extend on all four sides from the center table. A small rug can make a huge room smaller as well.

Layering

You might think that you do not need to add rugs if you have wall to wall rugs or carpeting in your whole house. By not doing so you are missing a major element in your house. Adding a stylish rug on top of your carpet adds a touch of class and to your room.

Mix and Match

If you are buying smaller rugs on purpose because they cost loss and you are on a tight budget. You can surely go for discounts and deals and can also purchase wholesale oriental rugs as they will be available at a cheap rate. Secondly what you can do is that you can mix and match many smaller rugs and create a mosaic type floor. Most people are scared to mix patterns and colors in their house and go for matching rugs but that can make your house look dull and boring. Play with colors, patterns, and designs and make a happy place and enhance the look of your house. You can also place a large cheap rug on the floor and place a small expensive rug on top of it to create bold look.

Forgetting a Rug Pad

You have added the perfect size and perfect colored rug on the floor but you tend to forget the main thing, a rug pad. A rug pad is a great investment and it helps the rug to stay put and in place and helps to avoid slipping accidents. Many rugs are slippery and you can fall badly if you are in a hurry, so a rug pad will save you from these accidents.

Buying the Rug At Last

You tend to leave buying a rug for the last and focus on the walls, furniture and other configuration of the house first. Then when you finally visit the rug stores, you get confused regarding what color, design and size will suit your room and house. This is the biggest mistake you are making. When you are decorating your room after you have placed the furniture, a rug is the first thing that you should purchase as it will bring the whole room together. Once you have done all the decoration then finding the perfect rug will be a difficult task.

Not Considering the Cost

When buying rugs, you should always be careful and do not make impulsive decisions. Also, do not discard the idea of placing a rug because it will be expensive. Always look for bargains and discounts and you can always buy wholesale oriental rugs in discounts.

These rugs will be easy on your pocket and if you want to buy many rugs then wholesale oriental rugs va are the best option for you as they are versatile and long-lasting.

8 Mistakes To Avoid When Choosing Wedding Venue

Whether you do all the arrangements yourself or take help from wedding party rentals for you wedding, there are some of the mistakes which should be avoided, such as:

Selecting a Venue by Looking at Pictures Only

This would be the biggest mistake which you should strictly avoid as pictures differ a lot from the reality and nowadays photoshop can do great wonders in making things look more beautiful. You should not just choose the venue based off the pictures, visiting the venue is necessary so that you can get the exact idea of the whole area and the view.

Letting Someone Else to Make Your Decisions

Never change your plans because of someone else’s likes and dislikes. No matter whatever others want, it is your wedding day, your big day so don’t let anyone else take decisions for your big occasion. Go for what you love, what you want and where you want to arrange your wedding by taking hiring wedding tent rental services so that you won’t regret for it later.

Not Making an Alternate Plan

Another big mistake is not making a plan B. You never know that how weather can change unpredictably so it is very important to expect the unexpected so that you won’t panic at the eleventh hour. Wedding party rental services would also have some packages which would include a plan B as well.

Taking Forever to Decide the Venue

No doubt, deciding venue for the wedding is overwhelming for everyone but don’t take too long for making a decision. You would have to make the bookings some months before the wedding so by taking too long you won’t only lose great packages by some wedding tent rentals or wedding party rentals but also would get an average venue which would not have everything according to your wishes.

Not Being Concerned About Parking

The guests in your wedding should be comfortable and proper convenience for their accommodations should be provided. One thing that is overlooked is the parking issue. Guests are usually very concerned about the parking issue. You don’t want them to be late because they were busy in finding a spot very far from the actual venue. You should talk about the venue that has a dedicated parking lot, so your guests don’t have to go through any inconvenience.

Not Being Careful About Catering

You wouldn’t want to have your guests go home hungry at your wedding nor would you want to have your dinner being ruined. Consider the weather or season you are marrying in and choose the menu accordingly. Food can spoil and be ruined during the summers so avoid having any dairy food to serve. In winters, you can have an indoor dinner area, so people can enjoy their food in the warmth. Your guests are your first priority and you wouldn’t want them to have any negative reviews or inconvenience at your wedding.

Choose a Venue That Accommodates the Guests

It doesn’t matter how many or how less guests you are inviting but if the venue can accommodate all of them. A small venue can be a bit cheaper but if you invite too many guests, there will be a problem of cramming and congestion. People will be over themselves and wouldn’t be able to enjoy the party. On the other hand, if a venue is big but you have invited only close friends and relatives, then a big venue is just wasting money. A big venue can make your party look empty. Plan the guests you are inviting and book a venue according to the plan.

Check to See If Venue Have Enough Restrooms

Restrooms are a very important part of any venue. Without them or having them in bad shape can weigh heavily on the outcome of your guest’s moods. They should be clean and hygiene and enough for an evening. Don’t have them in less numbers. Have it checked before booking if and demand that they be in good shape by the time of your wedding day.

Wedding tent rentals MD can be a bit cruel on your pocket but if you are spending money consider these tips in choosing the right venue.

11 Quartz Countertop Maintenance Tips

Once you have installed the quartz kitchen countertops by professional quartz contractors, then you will also need to know about its care and maintenance.

Things to know about Quartz Countertop Maintenance

Quartz kitchen countertops are quickly becoming the most popular choice amongst homeowners because are easy to care for and extremely low maintenance.

Below are the tops maintenance tips for your quartz countertops however if the damage is severe or there is a stubborn stain, you can always consult your quartz installers.

Quartz Countertop Maintenance Tips

Wipe Away Spills and Solvents Immediately

Quartz is made up of quartz, sand, and resin polymers, which make is non-porous. This means that quartz countertops will not need sealing annually, unlike granite and marble. But this also does not mean that you can leave any spills or liquids or the juices of solid fruits and vegetables on the countertops for kitchen cleaning. Because the liquids can leave stains if left for long.

Anti-bacteria is Not Required

As the quartz is non-porous in nature, then the liquids cannot seep and permeate through the quartz material and cause bacteria and fungus issues.

Clean Regularly

Just like with any other countertops, regular cleaning for quartz kitchen countertops is also necessary. You should clean it daily with regular household cleaner and a soft wash clothes and also wipe any sort of spill or liquid immediately. You can also try glass cleaners for extra shine and smoothness of your quartz and can be used for extreme deep cleansing of your quartz countertop. If household cleaner does not clean well then you can purchase quartz countertops specialized cleaner and it will do wonders for your quartz.

Do Not Use Harsh Products

If you want to properly take care of your quartz then you should avoid harsh and strong chemical cleaners that are acidic or extremely alkaline in nature. Also, bleach is a strict no for your quartz countertops as it could do a lot of harm to it. Oven cleaners, nail polish removers, turpentine, bleaching agents and drain cleaners should not be spilled on the countertops or use them for cleaning as it could fade and damage your quartz countertops. Also, avoid using harsh and rough scrubs and cleaning cloths for your quartz.

Take Care of Heat

Quartz is not very heat resistant so you should take care and not place your hot pots and pans directly on the quartz countertops. Always use hoy rivets and heating plates on the countertops so that there is no direct contact with the hot pots and pans.

Avoid Sharp Objects

Quartz is a very hard and durable material but this does not mean that you can abuse it to your liking. You have to take care of it and not use sharp knives and utensils directly on the countertop. Instead, use a cutting and chopping board for all your vegetables and fruits.

Degrease Your Countertops

If stubborn grease and oily stuff get stuck to your countertops then you should spray a degrading agent on the stain and leave it for 5 to 10 minutes. Then gently clean with a mild cleaner with a soft washcloth.

Avoid Certain Liquids

Certain liquids such as wine, coffee, lemon juice, tea and some citric should not be directly spilled on the countertop, as they have certain properties that can permanently stain your quartz countertops.

Use Rubbing Alcohol for Stubborn Stains

Some stains are extremely stubborn that they cannot be removed by soap and water and also scrubbing. For these stains, you can wet a soft sponge with rubbing alcohol and then clean the stain with it. This will remove the stains.

Do Not Put Pressure

Quartz is very hard and durable in nature but you should avoid placing very heavy objects on your quartz countertops and also do not place your objects and appliances with a lot of force. As this force can cause cracks and scratches on the countertop.

Dry Solid Stains

If there are any dried-up food stains on your quartz then you should use a blunt scraper and then gently scrape and scrub off the dried-up stain. When the stain is completely removed, use your normal cleaner and washcloth to wipe away. For more maintenance tips, you can contact your quartz installers Rockville.

Home remedies for maintaining the color and thickness of your hair

Black and thick hair plays a great role in defining the personality and self confidence of a person. Therefore most people spend much time and money for keeping their hair color and hairstyle in good condition.

Tips for maintaining hair color

As you start aging, loss of hair starts worrying you. Such people run about here and there looking for good treatment that is effective in preventing the hair loss and without any side effects. In this article I am going to list out some easy home remedies which can help you to maintain thick and properly colored hair.

Easy home remedies to maintain hair color

Coconut

Coconut is very useful in maintaining healthy hair and in preventing loss of hair. The essential fats, proteins and minerals in it reduce hair breakage. Coconut oil or coconut milk can be used to massage your hair from tip to root. For this, take some coconut oil and massage your hair. After one hour wash the hair and remove the oil. Or coconut milk can be used to massage the areas where hair thinning or balding is taking place. Let it remain there overnight. Then wash if off in the morning.

Onion juice

Onion juice contains sulphur which is good in increasing hair growth as it increases collagen production. Squash a few onions after chopping them finely. Rub the juice over your hair and let it remain there for fifteen minutes. Wash of the juice using shampoo after 15 minutes. Repeat this twice a week and see the results.

Garlic

Garlic is rich in sulphur content. So it is used in many traditional hair creams and oils. Take few cloves of garlic and crush them. Boil it after adding some coconut oil for a few minutes. Apply it after cooling and massage on your scalp. Let it remain there for 30 minutes. Wash your hair and remove all the oil. Repeat this twice in every week.

Henna

Henna is used for maintaining the natural color of the hair. It also has properties that strengthens hair from root to tip. Combining henna with mustard oil makes it a better pack. Take 250 ml of mustard oil and mix it with 60 grams of henna which is washed and dried. Boil this mixture and then filter the oil so produced and store it in air tight vessel. Another henna pack can be made using henna powder and curd. These can be applied on the hair and washed off after one hour.

Egg

Egg has been found to be very useful in preventing hair fall. Egg is abundant in sulphur, phosphorus, iodine, zinc etc. Take one yolk of egg. Mix it with one teaspoon of olive oil. Beat it continuously till paste like consistency is obtained and apply it over your entire scalp in hair salon rockville. Let it remain there for 15-30 minutes and then rinse it off with mild shampoo and cold water.

8 Signs You Hate Your Job

Following are the sign you hate your job. This is time to find a new job.

You’re Not Excited About Work

This is the first sign you hate your job. When you lose interest or the work doesn’t excite you anymore, you should find a new job. There can be many reasons why you are not excited. It can be because of office politics, poor pay, no increments, fewer facilities, longer work hours or anything. When a person is not excited about the job, he or she can’t do it perfectly. So it is always better to switch from the current one to a better one.

You’re Not as Good as You Used to Be

It is really hard to remain as good as you were. People lose interest or the new work assignments don’t excite them for any reason. You might be making more mistakes and don’t see yourself as good as you used to be. This is high time that you should find a new job and leave it here. You may not be confident about the new projects and when it comes to dealing with them. So let someone else work in your position and find an alternative for yourself.

You Can’t Concentrate on Work

Sometimes, people can’t concentrate at work or they find it really hard to concentrate on what they are about to do. You are rather engaged in something else and thinking about it. This can be a family issue, your partner or your kids. You may have problems in your life that are not allowing you to focus. Apart from this, the office environment also creates such issues when you lose concentration.

No Promotion in a Long Time

Usually, all the organizations have a system when it comes to employee promotions and raising their salaries. Annual increments are offered. In addition to this, the loyal and hardworking staff is honored with rewards. But if you see this is not a case where you are working, you should better find a new job. No one can work with such things and with the same salary over the years.

Work-Life Balance is Disturbed

There is a thing called work-life balance. You will be surprised to know Amazon CEO recently informed the employees there is no such thing like work-life balance if you are working at Amazon. This is a reason why many people quit the job because they can’t manage their work and life at the same time. Long working hours, work at home and at unexpected hours and pressure from the boss are the factors that disturb work-life balance.

You Don’t See Any Improvements

When you work in a company, the sole purpose is not to just make money and keep your system working. It is a sort of opportunity to polish your skills, outdo what you already know, get improvements in your skills and develop leadership skills. If you see there is no such improvement, you should quit this job. This is one of the signs you hate your job because you have not developed any particular skills over the years. You can try to find new job.

You Waste a Lot of Time at Work

It should be noted when employees waste a lot of time at work, there can be many reasons. But it is sure they don’t like this job and hate it. They may not be comfortable with the workplace environment, any colleague or even the boss. They try to avoid their responsibilities and spend more time without working and giving any productivity. If you are doing so and trying to spend time anywhere else, you should quit this job and look for a better one.

You Feel a Sort of Pressure

When you feel a sort of pressure about the new job, it is one of the signs you hate your job and you need to find a new one. The pressure can be about reaching on time, working without taking any breaks, the boss factor or a supervisor all the time over your head. This pressure is not really healthy for the employees and they often quit if they can’t tolerate it. Comfortable environment, flexible boss, friendly colleagues and such others should be your priority as you find a new job.

Causes and diagnosis for urinary tract infections

Microbes like bacteria which overcome the defense system of body in the urinary tract are the cause of infections in the urinary tract. This is a very common condition which account for 9 million visits to doctors per year in the US alone. Urinary tract consists of bladder, ureters, and urethra. Urethra opens in the end of the pennies in men and at the front side of the vagina in women.

Causes of urinary tract infections

Bacteria Escherichia coli is the bacteria responsible for the majority of the UTI infections noticed so far. Other bacteria like Mycoplasma and Chiamydia are the cause of infection in the urethra. But they are not found in the infections in the bladder.

Risk factors

The risk factors which can increase the vulnerability to UTI are listed below.

Sexual intercourse with multiple partners with increased frequency and intensity
Problems in emptying the bladder completely
Diabetes
Poor hygiene
Use of urinary catheter
Bowel problems
Blockage to the flow or urine
Use of contraceptives
Pregnancy
Kidney stones
Procedure involving UT
Menopause
Continued immobility
Continued use of antibiotics

Diagnosis

Doctors’ diagnosis the presence of this disease by asking about the symptoms and conducting urine tests to assess the blood cells and bacteria in it. Clean catch is a method used for collecting urine for this purpose. The genitals are washed cleanly to avoid the possibility of getting bacteria during urine collection. The patient is then asked to urinate and during the mid-stream about 30-60 ml of urine is collected in a clean bottle. This makes it possible to collect the urine without bacteria from the surroundings get mixed up with the sample urine taken. In cases of persons who experience recurrent UTI’s your doctor may ask you to undergo some other tests which are described below to ascertain the existence of anatomical or functional issues.

Diagnostic imaging: Imaging techniques like ultrasound, magnetic resonance imaging, X-rays, radiation tracking etc is widely used by physicians to see the images and understand them. This will help them to determine the reasons for the anomalies experienced by the patients.

Urodynamics: Urodynamics is a study in which the bladder and urethra are assessed and determined whether they are doing their duties of storing the urine and releasing them when needed. This test will be able to explain the reasons for frequent urination and incontinence.

Cystoscopy is a procedure in which urethra and bladder are examined with a help of a long thin tube which is inserted through the vagina of the patient. With the help of the light and camera at the end of the tube the examiner is able to examine the internal parts and study the existence of cysts if any.

Do Soulmates Exist?

There has been a lot of debate when it comes of whether soul exists or not and is soulmate real. We see two groups, one in favor while the second one opposes the concept. Here in this post, we will talk about both sides of the story, see which one is more logical and convincing and conclude on the basis of the arguments.

Know about soulmate concept

The first group believes soul mates do exist. According to this belief, we can become soul mates of each other. For this, we need deep and lasting love friendship over the years. These people give the examples of music, athletes and languages. We know people develop a great passion for music and their life without music is nothing. This shows us the reality of soul mates for a person who is fond of music.

The side further believes we can find our soul mates around us. There are many people who fall in love with each other just because they see soul mates in each other. This is the biggest reason behind long lasting relationships between couples. There are literally thousands of examples how people came close and developed a permanent relationship. This was possible because they became soul mates of each other.

It is not possible to stay in a relationship without deep and powerful feelings for each other. These feelings create the soul mates. However, some people part their ways with each other even after 20 or 30 thirty years. Still, they feel a thirst for each other and this is because they had become soul mates. Is soul mate real a comprehensive debate that can never be concluded with just one side. Below are few facts in this regard to prove the stance.

More than 74% American believe in soul mates.
74% Men and 71% women believe they are destined to find their soul mates in life.
Around 80% people below 45 believe in soul mates.
There are 70% people over 45 who do believe in soul mates.

Long lasting love

The other group is one that doesn’t believe in something like soul mates. According to this group it is not possible to find a person who is your soul mate and live with them for whole of your life. They further give the example of how marriage trend is reducing in the US. The statistics prove there were more people who married in 2008-2010 and the number of couples reduced after 2010.

Many other factors might be responsible for this. The group believe you can’t find a perfect person for yourself. Like, there are billions of people and there are little chances the person also belongs to your age group. For this, you will have to travel the whole world, meet people and see if you have your soul mate anywhere.

Another reason put forward in this regard is there is nothing like soul. The group believes there are no souls. But the interesting thing is 64% American believe we have souls. Many studies in the past found out that our souls exist even after the physical death of our brain or body. A new study has rubbished all such things and it negates the idea of souls. And this group is holding onto this concept or finding.

It is believed by the second group people who believe in soul mates are unhappy. As these people look for just one person and that is the perfect. Finding such a person is almost impossible because you can’t simply find a perfect person for yourself. When people think they can’t find a perfect one for them, they tend to be unhappy.

Lastly, the group says people who quote love as a result of being soul mates are stupid as love itself is a chemical reaction. In other words, the groups believe you can fall in love with anyone just because chemicals in our body do this. For them, the soul mate is not more a myth.

We have talked about the two sides to understand the reality of soul mates. Is soul mate real, the question is answered positive as well as negative by people. But majority believes in soul mates. So we are true to believe the soul mates exist and it can be possible anywhere in the world.

Why Is Facebook The Most Popular Social Network?

Do you know how Facebook won over other social networking sites? This read will help you understand why Facebook is the best social media site and why it is so popular.

Why Facebook is the best social media

We have listed all the best reasons.

First Decent Social Platform

Probably it was the first decent social media platform. Facebook was launched in February 2004 and just celebrated 15 years since it was released. This is a reason why it still remains the most popular social site. People believe this was the first site that helped them connect with friends and loved ones. They are more comfortable on this site than any other platforms.

User-Friendly

Facebook is really easy to use. It has been fifteen years since its launch. Most of the people using Facebook now have spent 5-10 years on this social media site. They know more about it and better than other sites. It is user-friendly, makes posts simple and easy. The newsfeed option is also attractive that brings all the stuff on your feed. Customization and optimizing security and privacy is also a lot convenient than other platforms.

New Exciting Features

This is another reason why Facebook is the best social media site. It has been through a lot of changes. Facebook of today is way better than that of five years ago. The reason is Facebook team updates features, add new things, and makes the site interesting for the users. This is something we call creativity. The creativity aims at increasing addiction among the users of Facebook.

Unique Interface

Facebook uses blue and white colors because the Facebook founder is really bad at recognizing other colors. And this thing makes its interface really simple and unique. Other social sites have somehow complex designs and interfaces that make things harder for the users. People are not convenient with Facebook interface and are not willing to leave it.

Diversity in Users

This is another reason why Facebook won over other social networking sites. More than 50% world population uses Facebook. This shows there are billions of users. They belong to all the countries and this is what we call diversity. People from same locations, regions and with the same interests love to connect with each other on this site.

Just one year ago, Facebook was providing huge traffic to the publishers and news outlets. They were making money and Facebook was also earning from all this. What compelled the publishers to share news on Facebook? That was the huge traffic. There are pages with millions of followers that let publishers divert them on their sites, increase traffic and make huge revenues. This is really hard when it comes to Google.

Pages and Groups

Anyone can create a Facebook page or group. You have options to add your friends, colleagues and others. Within groups, you can share material, news, links, documents, chat and do many other things. Similarly, pages allow business companies and brands to connect with customers. Facebook is considered the best platform if you have to get customer feedback and improve your services.

Facebook Messenger

I am sure you will be using Messenger. You know how simple and user-friendly the messaging app is. A lot of people have business groups on Messenger. They can communicate, send files, share photos, make audio and video calls and enjoy other stuff. Messenger makes conversation really easy. WhatsApp and Messenger have taken communication to great height and this is the reason they are ruling over instant messengers.

Games and some more Games

Many people love Facebook just because it allows them to play online games. Most of the games on Facebook are available on Play and App Store. But users don’t want to download them. They can enjoy these games on Facebook whenever they are free. This is literally one of the amazing reasons why Facebook is the best social media platform.

The Meme Stuff

Nowadays, Facebook is all about memes and visual content. The meme trend on Facebook is just matchless. You will not see this thing on any other social site. Even viral content sites get content ideas and inspirations from Facebook meme. They directly get amazing stories and content to keep their sites running.

Is Donald Trump the Right President for the US ECONOMY?

Latest trump polls clearly indicate that Donald Trump may not be the most appropriate incumbent of the White House, and there are several reasons for it. The latest presidential polls have clearly indicated that Donald Trump can make the US economy to perform sluggishly. As the top notch Republican frontrunner Donald Trump made its triumphant win in Connecticut, Delaware, Maryland, Pennsylvania and Rhode Island, many in the US are not seeing him as the potentially successful candidate, who can bring the US Economy back to the performing levels.

Trump made himself as one of the money magnates, and with assets settled at approximately $4.5 billion, he shows his mettle, but the latest presidential polls showcase altogether a different outlook. He has been a poker champion, but this champion offers a completely bleak assessment of the economy. Moreover, he has not made any competitive points that could improve the US economy and take it to the high levels of performance.

Trump has Expensive Immigration Plan

Many out there in the congress and the government have started to feel that the projected Immigration Policies of Trump will prove expensive to US Economy over a period of time. When Trump enforces the current immigration law, it is going to cost the economy a whopping from $400 billion to $600 billion, and the labor force will get reduced by approximately $11 million. Such an action will deliberately affect every individual in the US, and the scenarios itself looks horrifying. In fact, the implications of Immigration Law will be strongly felt on the supply as well as the demand.

While the preparations for the presidential polls are almost over, the decision on who is going to make to the oval office is still not becoming clear. Trump has its own political ideologies and manifestos, and much of these ideologies and manifestos will not make up.

What does the Latest Trump Polls Point?

The most updated opinions garnered as the result of latest Trump Polls indicate that the chances of Trump winning to Oval Office remains bleak, and even if he makes to the office, he will still not have a clean chit from the congress. The base message in majority of Trump’s campaigns clearly suggests – “everything he is doing aims at garnering the votes, and nothing actually looks serious.” This rich contestant for the White House, has several fancied ideas, and moreover, presents a cool lofty rhetoric. It becomes too difficult to interpret his economic policies.

Important information one should know before obtaining finance for purchasing a car?

Most car buyers use all their efforts to find out the most suitable car that can satisfy their aspirations and requirements. Finding a good car finance is also a crucial matter when one plans to buy a car. Understanding your budget and the amount you can arrange as car loan will help one to make his search for the car in the correct direction. Getting a bad finance can lead to financial mess and spoil your credit history. Often it is a habit of car buyers not to think about good car finance options until they step into the car dealer’s office. When one ends up with dealer for finance options, most often it happens that dealers are not interested to give you any offers. In this article I am going to furnish everything one needs to know about car finance before one proceeds to car dealerships for purchasing cars.

Car loan explained

What is car loan: Car loan is an agreement between the financier and the buyer of the car. As per the agreement financer agrees to give a loan for purchasing a car for the buyer under the condition that the loan will be repaid in equal monthly installments as agreed upon mutually and the company will be charging a fixed percentage of the loan amount as interest.

Interest: Interest is the amount the lender gets for his money which is given as loan to the borrower. It is usually expressed as interest rate per annum. For the last many years auto loan interest has been very low and now it has started coming up. The amount of the loan, the period of repayment, the type of vehicle, your credit score etc can considerably affect the rate of interest of car loans. Longer loans are not supported by most lenders as risk factor increases as the period of loan extends. 60 months period of repayment is the most common period for car loans.

Loan repayment details

Principal: Balance of the loan amount to be repaid is considered as the principal. When a loan is initially given principal will be the total loan amount. As the payment proceeds the amount under principal will start decreasing. One portion of the installment paid will go to towards interest and the balance only will go towards the principal.

Down payment: Down payment is the amount the buyer of a car pays initially from his savings for buying the car. The price of the car minus the initial payment the buyer is paying will give the amount which the financier has to give as car loan for buying the car. For example if a car is priced $40,000 and the buyer has paid $10,000 initially the car finance needed will be $30,000 only.

Monthly payment: Every buyer of a car with car finance will have to pay back the loan amount in equal monthly installment. Every monthly installment will include two amounts. The first amount will be the interest till that date and the second amount will be the monthly installment towards the loan repayment. Finding the monthly loan repayment is a difficult process that includes some mathematical calculations. But each bank will be having their car payment calculator with which one can easily find out the emi by just putting some figures like loan amount, type of loan, period of repayment etc. into it.

Importance of credit score

Credit scores represent the person’s credit details and acts as an easy tool to understand the credit worthiness of a person. These scores are based on credit information received from credit bureaus. These reports are used by money lending institutions to understand the potential risk factors involved while lending loan to its customers.

Why your credit-score matters?

There are many credit-reporting companies and each of them has some special method of reporting the credit worthiness. Most of these companies use scores ranging from 300 to 850. Different scores on different models are not directly comparable. It will be very easy for a person with high credit score to get car loans quickly than a person with a low credit score. Usually a person with steady income and good credit score will not find any difficulty in getting a car loan.