Saturday, August 24, 2013

Preparing your Car Bill of Sale

Bill of sale will be a solid document that one can draw up in the even when a car is bought or sold. It is relatively easy to draw up the said document but you have to realize that this is a really important document and it is imperative that you capture the necessary details for the document or else it may be considered worthless. Here are the details you would have to make sure that is included:

Obviously, you would need to make sure that you are able to include the names of those involved in the sale. Much like a contact, you will need to make sure that you are able to indicate who are the buyer and the seller. Make sure that you also include the address of the said individuals. Some state would require more than the name and address so you might want to look out for such.

The car
Of course what would be the bill of sale if you would not include car that is sold. You would have to be really thorough when you get the details of the car. Assuming that the car is pre-loved, you would have to indicate all identifying features of the car
  • Color
  •  Plate (assuming that the car is registered)
  •  Make and model year
  •  And other distinguishing marks

More specifically I am talking about the mileage of the car. This is determined through the odometer reading. It would be best to have this indicated in the presence of the 2 parties (buyer and seller) to avoid any ambiguity on either side. This is actually quite important considering how rampant odometer fraud is. According to recent studies, the US is experiencing billions of dollars in losses just because of this illegal practice. The indication of this piece of information in a document like the bill of sale will then allow you to prove yourself innocent.

This will of course indicate any specific warranties that are promised by the seller when the car is sold. This will also indicate the conditions for the warranty to be valid. If you are preparing this document as the seller then you must make sure that the details here are clear and concise because any ambiguity will only benefit the other party that did not prepare the document that is in question.

For more information you can visit these websites: 

Tuesday, August 13, 2013

Self help tool of the DMV

It has been a while since the DMV websites for each state has been launched. There are still however some individuals who have gotten so used to making inquiries on their own that they do not really make use of such self help tool so in result it does not really do much in decreasing the number of people going into the DMV. It is hard enough that some DMV offices lack the number of people to address the need of each individual coming in a more ideal timeframe. Here are some tips on how you can go about making use of the DMV website more efficiently.
Know the address
If you are used to reading the news online or finding things on search engines like Bing or Google, then this should not be a problem. If you are using a search engine, you can just type the letters “DMV” and your state. You should be able to get a number of results; this is usually presented at the very first of the results. You can also try and find these things right on communications sent to you by the DMV. Be careful at times because there are other sites that emulate the DMV site but this is more of a profit driven site. These things are OK as long as they do not provide you with any false information. This is why it is still good to visit the sanctioned site first.
Contact Us
There is a lot of information that is contained in the website but there may still be things that you need to clarify. This is why you would want to find the “contact us” page of the website. This is usually present at the rightmost tab of the site saying “Contact Us”. If this is not the case then you can try checking the topmost part of the page or the bottom. This is usually written in small letters and on this page you will find the contact information of the local DMV office. This way if there are any clarifications that you may want to ask with a DMV representative, you will be able to get answers without having to leave your home. You can connect with us immediately by going here: 
Search bar
This is going to be your friend. Unfortunately there is no standard format of a DMV website so this cannot be an overall step by step guide. If you are looking for something and you cannot seem to find it in the tabs on top of the web page, you can just start looking for the search bar instead. This is pretty much the same as when you’re using a search engine. This time around you will be finding specific details within the website. It will be helpful to know the keywords of what you are looking for.

These things should help you trim down the reasons on why you would visit the DMV. This time around, you would only need to make the visits when you absolutely have to.

Friday, July 19, 2013

Contents Of Your Credit Report

When it comes to credit reports, some people are not really inclined to even review them on their own. This is quite important since this report will be referred to by a lot of different entities. This is going to say a lot about you too. To start off, here are the contents of your credit report:
Your Basic Details
This will of course contain your name as well as your social security number. This will also include your birth date. This is just enough to actually identify that the record you are holding is yours. Any corrections that have to be made on your records should be made with the reporting agency. It would help if you can check with the other reporting agencies to see if they have the same mistakes as the first one in case there’s any.
Background check - credit report

Check more about background checking source for DMV:
These are the current and closed accounts that have been tagged under your socials. These are all the ones that you have taken into for the last 7 years. Even if the accounts have been closed due to non payment or if you have just closed it without any hitches you will still see this on your record. This is also the essence of the whole report. The items that are found under your accounts will determine how good or bad your credit score is going to be. Here are also the details that can be found on each account item:
  • Account number(s)
  • Date of last activity
  • Amount owed (if there’s any)
  • Payment history
Employment History
This record may differ and not necessarily be present on each report. This is quite useful for some potential employers who would want to get a good idea of your previous employment.
This is going to include both your previous and current residences.
These are the inquiries made for your credit report by other companies. This is usually made by financial institutions when you are applying for a loan. You might want to know that these inquiries are not very good for your credit score. The more inquiries that is made on your account the lower your credit score can get.

You should be able to get a free credit report every year. This way you can get an idea of where you stand. On the other hand if you want the complete record, you can go ahead and request for the other 2 but it is going to cost you.

Monday, July 8, 2013

Deal with your DUI properly

A DUI is a serious charge that you cannot just ignore. This could immediately result to having your driver’s license suspended. You may not realize it yet but you would have to make sure that you are able to keep it in order for you to make sure that you are able to make use of your car legally anywhere. However there are times when this is a reality for a number of individuals. In the case you actually find yourself in such situation, here are some things you can do to minimize the repercussions:

Consider lawyers

A lot of people would avoid talking to a lawyer as much as possible. I would have to say I understand it because involving a lawyer would usually mean that things just got serious. On the other hand, at this point, talking to a lawyer does not really mean that things got serious. It just means that you are looking into the dynamics of your offense. It means that you are able to have your case explained to you in detail.

Go for AA

AA is too much of a cliché for a lot of people. They are even quite embarrassed by the idea that they are in a group for alcoholics. This time around, do think about changing the way you look at this group. One thing that makes you resist such group is because you think that you do not deserve to be there. Here’s the simple reality, you got caught with DUI. The fact that you actually had a couple of drinks that is considered as an unacceptable level and still decided to get behind the wheel earns you a well deserved ticket to the group. This would help you understand further the repercussion of drinking from people who had the problem which is more serious that you had it. This could then change your mind later on in going for a drink and driving afterwards.

Do your time

Some people would still try to go about fighting the charge. If you ask me this is quite futile. It is going to be a losing battle. This will also prolong the suspension of your license in case you happen to have yours suspended. What you ought to be doing is to complete all the things that are expected of you mandated by the court. Don’t worry about the points because your state may actually allow you to take some classes to get those points removed or reduced. I would have to call this learning the hard way.

If you want to know how to deal with DUI violations you can check out this website: