What if I am over my lease mileage limit?

There are many benefits to leasing a car, but there are also a few limitations to deal with, and one of them is the lease mileage limit. The following will explain everything you want to know about your mileage limit and what happens when you go over it.

Why is the Limit Vital?

The leasing company does not have ulterior motives when they set those mileage limits. What you should keep in mind is cars depreciate, and you are just paying for the estimated depreciation value during your lease. This estimation includes a specific range of miles, which is the reason you are limited.

Every mile driven takes away from the value of the car, which is the main reason leasing companies put these limits on you. The problem is leasing companies do not check on you to make sure you are honoring your contract. The company is going to just count the total miles at the end of the lease.

 

What happens if you go over the car lease mileage limit

What Happens if you go Over the Limit?

It can be hard to keep tabs on the number of miles you drive in a month. This is not to say that it is impossible rather that it is a little difficult. A person’s life is filled with many distractions, from work to children, so many people just do not have time to pay attention to the amount of miles that are driven each month.

First off, it is important to remember that the charges for the extra miles you drove are not really penalties. You are paying the leasing company the unexpected depreciation that you inflicted on the car. You agreed to not exceed the limit, but you did.

The rate you end up paying per mile depends on the leasing company and the car itself. Of course, cars that do not cost much will have lower rates than mid-priced cars or even luxury cars. You have to remember that you agreed to how much you were going to pay per mile when you signed your contract, so there is no wiggle room there. Most economy vehicles charge about $0.15 per mile while mid-priced cars can be $0.20 or $0.25 per mile. Those who lease a luxury car will likely pay up to $0.30 for each mile they go over. You have to pay the total accumulated amount at the end of your lease, too.

There is a lot you can do if you know you are over your mileage limit. For one, you can stop driving and start using other modes of transportation like public transportation, carpooling, or ride-sharing apps. Doing this should definitely save you money at the end of your lease.

Some people decide to just buy the car and avoid paying the extra miles, but this is not always the best idea because the costs of buying the car often exceeds what you would pay for those miles.

You should also avoid the idea of returning your car early just because you found out that you went over your limit. Early termination fees and penalties are simply too much to deal with, so it is better to adjust your lifestyle for the remainder of the lease. It might be a good idea to start calculating how much you are going to owe in additional fees now. This should give you a good idea of how much money you should save so that you can pay those miles without it hurting so much.

Those who merely suspect that they went over should check as soon as they can so that they have more time to prepare for the charges that you will not be able to escape. You should also download apps that help you calculate how many miles you are driving per day from now on. Every mile driven is one more that you are going to have to pay at the end of your lease, which makes it pretty important that you know how much you are driving every time you start your car.

You should also consider calculating just how much you actually drive per year. Knowing the estimated amount of miles you need every year should give you an idea of how many miles you need to buy the next time you lease a car. The miles you purchase at the beginning of your lease are non-negotiable, so knowing the exact amount of miles you need per year should help prevent this issue from sneaking up on you again.

You can talk to your car leasing agent if you have additional questions about your mileage limit or the fees that you are going to pay at the end of the lease. Hopefully, you found out early so that you can use some of the suggestions here. Do your best to pass along this information to friends or family members who might appreciate the tips, too.

Is it Possible to Lease a Used Car?

Car Leasing Questions: Is it Possible to Lease a Used Car?

Those who have leased a new car know that it comes with a lot of benefits worth smiling about. Perhaps this is the reason some ask if it is possible to lease a used car. Leasing a used car would mean lower monthly payments with perks that simply do not come with purchasing. You will be happy to know that you can lease a used car, but this is a pretty small market.

The Appeal of the Used Car

There is no doubt that used cars are appealing because they are priced lower than new cars. Depreciation has already slowed down, which should help keep the monthly installments desirable. Of course, one of the best perks of leasing a used car from a dealership is they are certified.

Leasing Perks

Of course, you will return the car once the lease term is over. You know that purchasing a car could force you to pay those payments five to eight years. That is a pretty big commitment that those leasing do not have to deal with since most lease terms last about two to four years.

All this might sound good to you so far, but now you are wondering why used car leasing is not popular. The truth is that there are a few reasons why this is the case.

Why Used Car Leasing is Not Popular

Leasing a used car represents a greater risk to you and the leaser, which is one reason this type of leasing has not caught on. This is not to say that there are no ways to reduce the risk. Most people know that a car that is three years old is twice as likely to have car problems than a one-year-old car.

The warranty could be gone meaning repairs are now going to come out of pocket, and you know how expensive auto repairs could be, not to mention the hassle of finding a trustworthy mechanic. There are a number of things you can to reduce this risk. For one, you can make sure that you keep up with your maintenance appointments that should help prevent major problems. It is also important to consider purchasing the bumper-to-bumper warranty that is offered, and it should last the entire lease term. This should make it easier to avoid car repair expenses.

It should also be noted that predicting how much a used car is going to be worth at the end of the term is a little harder. A leaser that believes the car will not be worth much might make the payments higher than they should be. A dealership that predicts high value retention might make the car’s price higher than it should be.

What you want to do is make sure that you study the cars you are going to lease. It is up to you to find out which cars may retain their value better than others. One thing to remember is that most luxury cars retain their value and so do sports cars and a few SUVs. Try to go online and figure out what car works for you before you lease your used car.

You can also ask the dealership itself or a number of them to figure out which cars they believe will retain their value well. You want to stick to those cars so that you will end up paying a reasonable monthly payment without paying more than you need to.

Yes, all this does seem like you are going to be working more than you would have if you just leased a new car, but try to remember that you will not be paying large monthly payments or a big down payment that can hurt a person’s finances.

Be sure you remember some of the following tips when you lease a used car:

–Leasing a used car means there may be some wiggle room. Try to bargain with the dealership to get a better deal. There may be some resistance, but the likelihood of them figuring out a way to accommodate you is high as long as you are persistent.

–You want to make sure that any warranty offered lasts as long as the lease does. Remember, you still have the option of purchasing a car service contract from a third party, so use this fact to see if you can get what you want.

–This is a used car, so make sure you treat it as such. You want to make sure you inspect its history. Vehicle history reports are online and should be able to reveal major accidents or any other information that you can use to get a better deal if you still want the car after reading the report.

–Be sure to talk to a trusted mechanic to have the car inspected. Yes, the car has been certified, but a third party could double-check and give you an unbiased diagnosis.

Hopefully, these points made used car leasing a little easier to understand. Now, you just have to figure out if this is the best choice for you.

What are my end of lease options?

What are my end of lease options?

Upon reaching the end of your lease, you’ll need to decide what to do with the leased vehicle and figure out your plans going forward. To help you decide, here are several common options you can choose at the end of your lease.

Returning Your Leased Vehicle to the Dealer

This is the most common option that people choose at the end of their car leases. The leasing company will typically get in touch with you a month or two before your lease contract ends with information regarding returning your vehicle or purchasing your vehicle, if you’d prefer to go that route.

There are a couple things to keep in mind when returning your leased vehicle. Every lease contract includes a mileage limit. For example, you may have a contract with a limit of 12,000 miles per year and 36,000 miles total on a three-year lease. Or you may have a limit of 15,000 miles per year and 45,000 miles total. If you’ve exceeded that limit, the dealer will charge you overages, which are typically between 10 and 30 cents per mile. The only way to avoid those overage charges would be to purchase the car instead of returning it.

The dealer will also charge you if there is any damage to the car that exceeds the standard wear and tear. Check your lease contract to see what constitutes standard wear and tear. For anything more than minor scratches or dings, you’re better off getting the damage repaired yourself before you return the car.

Buying Your Leased Vehicle

Your lease contract will have a purchase price for the car, and if you’d like to keep the car, you can buy it for that amount. The purchase price in the contract will be the car’s residual value, or the value it still has after factoring in how much it depreciated over the years while you were driving it. Keep in mind that you can attempt to negotiate the purchase price with your lease company.

It’s a good idea to compare the purchase price in your lease agreement with the car’s current value. Since the lease company can only estimate how much the car will depreciate, it’s possible that your leased car has depreciated less than they thought it would, in which case you can buy it for below its current market value. Buying the car is a smart move in that situation.

You should also consider buying the car if you’ve gone well over your mileage limit or the car has sustained some damage and you don’t want to get it repaired. Run the numbers to see how much you’d spend on overage fees or repairs, and then use the results to make your decision.

Extending Your Lease Agreement

Some lease companies will allow you to keep your lease going and make monthly payments for the same amount. This usually isn’t the best decision from a financial perspective. Cars depreciate the most during the first couple years. You’ll be paying the same amount per month even though the car is depreciating less than it was before. However, if you’re unsure what you want to do, extending your lease can buy you some time.

Setting Up a New Lease

While used car leases are far less common than new car leases, they are an option, and you may be able to start a new lease with the same car. The difference between this and simply extending your lease is that you’ll have lower monthly payments, since you’re now leasing a used car with less value. You’ll need to commit to a longer agreement than you would if you extended your lease, though.

Using Your Leased Vehicle as a Trade In

Lease companies don’t mention this option, but if the trade-in value of your leased car is higher than the purchase price in your lease agreement, trading it in may be an option. If so, you could trade it in towards a new car that you either lease or buy.

It can be difficult to decide what your best option is when your lease ends. What’s most important is choosing the option that benefits you the most financially.

First, you’ll want to see how much your leased car is currently worth in comparison to the purchase price in your agreement. You’ll also want to figure out if you’ll owe the leasing company any money in fees or repairs. And, of course, you should consider if you actually want the car. Returning the car is often the most convenient option, but there are situations where buying the car, trading it in, extending your lease or setting up a new lease could be in your best interest.

Can I Remove a Co-Signer From a Lease?

Can I Remove a Co-Signer From a Lease?

Leasing a car is a popular option, especially for those who like to get a new car fairly often and pay a lower monthly payment. Millions of people, however, don’t have a high enough credit score to get a lease on their own. This might be caused for a number of reasons from no previous credit history to a bankruptcy, tax lien, or multiple late payments. In this case, a person can still get a lease, but they will have to get a co-signer. If you are in this situation, and you want to remove them from your lease, what are your options?

Removing a Co-Signer from Your Vehicle Lease

Unfortunately, the process of removing a co-signer from a lease isn’t extremely easy, though it is possible through a roundabout way. You can’t simply contact the lender and say you want to remove your co-signer. Instead, you have two main options that you can consider: getting out of the lease or buying the car through a refinance.

Getting Out of a Lease

One option you have to remove a co-signer from your vehicle lease is to terminate the lease. If you want to end your leasing agreement early, it is possible to do this. However, there are substantial fees that you must pay in order to do it. First, there is an early termination fee, which is seen as a penalty for cancelling the lease agreement early. The fee varies from lender to lender, but you should expect to pay at least $200, but usually less than $500.

On top of the early termination fee, some lenders will also charge a depreciation fee. As you might know, a car starts to depreciate as soon as you drive it off the lot. In other words, it loses value. When you break the lease contract early, some lenders require you to pay a fee for the loss of that value. You don’t have to pay that if you keep the lease until it expires, but if you break the contract early, odds are good that you will see this fee, too. Unfortunately, it’s not possible to give a range here, as this fee is calculated based on the value of the car and how many months are left in the lease. This varies from person to person.

You also might consider a lease transfer to get out of your lease. A lease transfer is when you literally transfer an existing lease agreement to another person. This is definitely the most cost-effective method of getting out of a lease, but not all lenders allow their lessees to do this. On top of that, you have to go through the process of finding someone to transfer the lease to.

Buying the Car Through a Refinance

Your other option to get a co-signer off of a lease is to buy the car through a refinance. This might not be an option for everyone, though, because again, this is based on credit worthiness. If you required a co-signer for a lease, odds are good that you will also require a co-signer for a refinance.

The first thing you have to do is look at your vehicle’s payoff information. This is the amount of money that you will need to pay off the car, and it is the amount that you will have to pay or finance. Once you know this amount, you will then have to look into lease refinance offers from lenders. You can often find out this information online, or at least find some lenders who are willing to work for you. Keep in mind that these offers are dependent on your credit worthiness, too, so depending on the interest rate you get, you could be paying several hundreds or thousands of dollars over the value of the vehicle.

When you have obtained your offers, you must make a choice on which offer is best for you. Remember, you will be locked into this contract for several years, in most cases, so make sure that the payment is something you can afford. Also, keep in mind that odds are good that your new monthly payments will be higher than your lease payments. However, when you pay off the car you will have full ownership of it, and then you can use the car’s value to put down on a new car.

 

What happens when you drink rubbing alcohol?

The type of alcohol you find in beer, wines and liquor is called ethyl alcohol or ethanol for short; its chemical formula is C2H6O. This is not the kind of alcohol you find in rubbing alcohol. The alcohol in rubbing alcohol is called isopropyl alcohol(IPA); its chemical formula is C3H8O. As you can probably tell by the chemical formula, they are a part of the same chemical family, but essentially different compounds.

Although the body can consume and break down both of these alcohols in certain quantities, isopropyl alcohol is more toxic than ethanol. An adult human’s kidneys can remove 20 to 60 percent of rubbing alcohol from the body. The rest is broken down into acetone by enzymes in the body. The acetone is then removed from the body by the lungs and kidneys.

However, when too much is drunk (this happens at around 200 ml), rubbing alcohol poisoning can occur.

When and why is Rubbing Alcohol Abused?

Rubbing alcohol and other cleaning fluids and solvents often contain rubbing alcohol. Consuming these products is something that would never cross the mind of a mature, mentally healthy individual. However, some people abuse IPA containing products because:

  • Isopropyl Alcohol (rubbing alcohol) can make people feel drunk. People without access to proper liquor may drink IPA containing products such as rubbing alcohol to get drunk. Usually, something like this is done by alcoholics with a very extreme addiction. They may drink Isopropyl Alcohol containing products when they don’t have money to buy proper liquor or are being prevented from buying it. In other cases, curious teenagers may drink rubbing alcohol containing products to find out what being drunk feels like.
  • Depressed people may also drink rubbing alcohol containing products as a suicide attempt. Rubbing Alcohol is available in many household items which are easily accessible.

Hazards

  • Nervous System Impact

Important involuntary actions of the human body such as heartbeat, breathing and gag reflex are controlled by the body’s central nervous system. IPA has an impact on the central nervous system which initially slows down these actions. When enough IPA is consumed, it can shut them down altogether. In many cases this kind of central nervous system shutdown can also lead to a coma.

  • Internal Burns

IPA is very harsh on the insides of the body. Ingestion severely irritates the mucous membranes present inside the throat and airways, usually damaging the sensitive tissue right on contact. The burning manifests itself as cramping and severe pain. In case a large quantity is ingested, pulmonary swelling can also occur.

  • Heart and Blood Changes

The most severe effects on the body happen within 30 to 60 minutes of IPA ingestion. Toxins in the alcohol modify body functions, and the delivery mechanism for blood around the body is compromised. Initially, the heartbeat slows down because of the effect of IPA on the central nervous system. Due to the reduced blood pressure, organs receive less blood than they need and they may fail as a result. IPA also thins the blood which further reduces blood pressure and causes blood sugar levels to drop so rapidly that it may result in a seizure.

Author Bio:

Read to find out about The Law Offices of Paul S. Geller in Pasadena, California. Get Competent Legal Representation for your DUI or Criminal Defense cases.

Alcohol Soaked Tampons Can Kill You

Though it sounds like a recent trend, the legend of alcohol soaked tampons is actually about a decade old. The first story goes back to 1999, when Reuters ran a story about girls from Finland using tampons soaked in liquor to feel the effects of alcohol faster. Since then, there has been a resurgence of news stories and reports about teens using alcohol soaked tampons in the early 2000’s and then again in recent years. A closer look at most of the alleged cases of the use of alcohol soaked tampons reveals that most of these reports have not been cited as firsthand accounts of the practice taking place. Snopes.com even declares the phenomenon to be a myth.

However, the possibility of a curious teenager deciding to experiment is very real, but the consequences could have been severe, even fatal. In this article, we will try to educate all young readers and their parents of the dangers of using alcohol soaked tampons to get inebriated.

Why would someone use alcohol soaked tampons?

A tampon can absorb about a shot (1 oz) of liquor. When an alcohol soaked tampon is inserted into the vagina, the alcohol then permeates the walls of the vagina and is absorbed through the vaginal blood vessels. An alcohol soaked tampon can also be inserted into the rectum, which will result in the alcohol being absorbed through the blood vessels of the anus.

When alcohol enters the blood stream directly without having to pass through the digestive system, intoxication takes place very rapidly. The sudden onset of the effects of alcohol would produce a euphoria which would make it likely for those using this method to consume alcohol to try again.

The quantity of alcohol needed to be drunk to feel the same level of intoxication as using alcohol soaked tampons would also be much greater. The effect of alcohol is amplified because it passes directly into the blood stream. This effect would make alcohol soaked tampons a cheap way for people to get drunk.

People also believe using alcohol soaked tampons or other methods such as butt chugging will help them pass a breathalyzer test. However, this is false because a breathalyzer test measures the content of alcohol in the blood, not alcohol vapors in the mouth.

Dangers

Consuming alcohol in this manner wreaks havoc on the body, and can easily result in death or irreversible damage to the body. Physicians say that alcohol soaked tampons can cause vaginal or anal irritation, and in extreme cases, even cause alcohol burns on the inner membranes of these body parts.

The other two dangers come from how the alcohol bypasses the digestive system. Firstly, when alcohol bypasses the stomach, it will arrive to the liver as ethanol. Normally, when alcohol is drunk, stomach enzymes convert the ethanol into acetylaledhyde. Acetylalehyde is also toxic but can be broken down more easily by the liver. This is why people who use alcohol soaked tampons risk liver failure.

Secondly, the big danger is how rapidly the blood alcohol content can rise. When alcohol is going directly to the bloodstream, this will obviously happen and things can get very dangerous because the blood alcohol content can easily rise to lethal levels. This is further complicated because putting alcohol directly into the blood stream bypasses the body’s natural defense against alcohol poisoning, which is vomiting.

The first civilization to make beer

Beer is one of the oldest beverages in the history of mankind. In fact, some historians even argue that it may have been mankind’s first alternative to water. It is believed to date back to at least the 5th millennium BC, and recorded evidence of large scale beer production can be found in the ruins of ancient Egypt and Mesopotamia.

However, by virtue of being so ancient, it is very difficult to attribute beer to a particular civilization. It is thought by most historians that the world’s first fermented beverages most likely emerged alongside the development of cereal agriculture about 12000 years ago. As ancient tribes discovered rye, wheat, barley and rice, they may have inadvertently stumbled across the fermentation process.

The first alcoholic beverage is a 9000 year old Chinese recipe made with fruit, honey and rice; but this is not beer. The first barley beer is thought to have been produced in the Middle East.

Evidence for the origin of beer in the Middle East can be attributed to a 3900 year old Sumerian poem honoring the goddess Ninkasi, the patron Goddess of brewing, also known as the Goddess of beer. The poem contains the world’s oldest surviving beer recipe and describes the production of beer from barley.

There are similar artifacts that can be found in the ruins of other civilizations of the time such as Ancient Egypt, the Indus Valley and China. However, the beer brewed by the Sumerians can be said to be the closest to the beverage enjoyed globally today.

How was beer discovered?

Nobody can say for certain exactly how the Sumerians discovered that cereals and grains can be turned into an alcoholic beverage. But it is theorized that at some point in ancient history, some bread or grain got wet and fermented from the yeast in the air. With life being as harsh it was back then, it is possible that people didn’t want to waste food no matter how unappetizing it looked. Someone probably just decided to eat some of the wet, fermented bread or grain and found out that eating fermented grain has a pleasantly inebriating effect.

What kind of beer was it?

Ancient Sumerian beer wasn’t like the commercial brands of beer you can find in gas station refrigerators today; nor was it like your favorite craft beer. Beer wasn’t filtered back then like it is today so it is very likely that it had a very cloudy appearance because of the residue it contained. The Sumerians drank this beer through a straw to avoid drinking the bitter solids present in the drink.

The descendants of the Sumerians, the Ancient Babylonians, took beer craft a bit further. The Babylonians invented twenty different varieties of beer by 2000 BC. Beer was such a sought after commodity in Ancient Babylonian society that all citizens received a daily ration of beer and the ration was determined by social standing.

The significance of beer in human history

Many historians attribute man’s ability to build civilization, develop technology and live in large settlements together to man’s invention of bread and beer.

Author Bio:

William J. Margolin Attorney At Law is a highly qualified and dedicated Illinois Criminal Defense Lawyer who can help you in your time of need in your case.

7 Alternatives to Alcoholic Drinks

Non-alcoholic beverages are a great addition to the menu at parties and dinners. They are also great to serve to friends who have given up booze. We share some great alternatives to alcoholic drinks below which won’t look out of place at the dinner table. The best thing about these drinks is that guests can safely take them without worrying about getting drunk and being caught for driving under the influence on their way back home.

Belvoir organic elderflower pressé is top of the list. It is a perfect alternative to alcoholic drinks. This delicious and refreshing drink contains carbonated spring water, sugar, fresh elderflowers, real pressed lemon juice and citric acid. Your guests will love it and the bottle will be finished before you even know it!

Ginger Ale by Fever-Tree is a blend of three natural and unique ginger oils sourced from around the world. Made using spring water, you can recommend this drink to partner great products. Ginger Ale has a distinctive flavor and the complexity of the drink comes from supportive citrus notes. Its perfect carbonation gives it a smooth and silky texture.

Peter Spanton No 5 Lemongrass Tonic totally breaks the rules! Use of lemongrass adds the spicy note which cannot be achieved with regular lemon. Adding a little ginger heat gives you perfect summer mixer. You can mix it with your favorite spirit, a shot of gin and crushed ice. Make sure you adorn it with sprigs of lemon thyme and some blackberries.

Rochester Ginger Drink is the perfect treat to reward yourself at any time of day or night. This traditional drink has been crafted without the need for alcohol. You can drink it straight at room temperature and can take it neat or diluted, or mixed with other drinks. Some of the key ingredients include infusion of ginger, raisin, raw cane sugar, citric acid, cowslip and elderflower, along with caramel, potassium sorbate as a preservative and water.

Morello Cherry Bottle Green with a Hint of Grapefruit is a sparkling pressé created by blending the finest natural ingredients with naturally sparkling spring water. No artificial colors, flavors, sweeteners or preservatives have been added to this sparkling pressé. Refresh and invigorate your palette with this crisp and clean drink. Morello Cherry and Grapefruit is perfect to match with a fine meal and can be enjoyed as an alcohol replacement.

Beet It from James White Drinks is the No. 1 bestselling organic beetroot juice in the UK. This delicious organic beetroot juice is a natural nitric oxide booster. Used by health conscious individuals of all ages, this organic blend contains 98% beetroot concentrate and 2% lemon juice. Free from all kind artificial flavors and pesticides, you’ll find it to be simply delicious!

Shloer Celebration Pink Fizz is a sparkling pink grape juice drink which combines the vibrant flavors of red and white wine grape juices. The fresh and fruity fizz combination of this drink makes it a perfect soft drink for any celebration.

Author Bio:

Manchester & Associates is a criminal defense law firm in Pennsylvania that has been helping clients charged in DUI and criminal cases.