Having an emergency car kit on hand when you need it can mean the difference between getting on the road quickly or being stranded for hours, often in a dangerous situation. An emergency car kit makes good sense for any driver, especially those with long commutes. If worse comes to worst and you break down and don’t have a car service like AAA to come to your rescue, or are unable to reach them due to a bad cell signal or dead cell battery, a proper emergency car kit can save the day.

Here is a checklist of items to store in a bin or duffle bag in the back of your vehicle to keep you prepared in case of a roadside emergency:

tailgatingTailgating is a cherished American tradition among sports fans and friends around the country. How did it all get started? The history of this distinctly American tradition goes back nearly 100 years, perhaps more depending on which version you believe. One theory is that the first tailgate party took place during the first college football game between Rutgers University and Princeton University. Apparently, spectators spent their pre-game ritual grilling sausages at the "tail end" of the horse.

Another story regarding the tailgate party’s origin says that a railway train transporting a large number of fans to a Yale football game in 1904 was delayed, and as the diehard fans were very hungry when they finally arrived, they brought food and beverages to the stadium prior to the start of the game. The most believable theory is that Green Bay Packers fans coined the actual term "tailgating" in 1919. Back then, the fans would back their pickup trucks around the field and fold down their tailgates for seating, bringing favorite picnic foods and beverages to keep from getting hungry during the game.

car leaseWhen you come to the end of your vehicle lease term, you have the option to turn the car in upon the completion of the lease or you have the option to perform an auto lease buyout and purchase it outright. If you are considering a purchase, there are some things to look out for to make sure you are getting the best deal possible.

The first thing to be aware of, if you are interested in buying your leased vehicle at the end of the lease term, is the residual value of the vehicle. Also called lease-end values or the lease-end purchase price, the residual value of your leased vehicle is simply the wholesale value of the car at the end of the lease term. This price is set by the company financing the car lease and is an expert guess as to what the car will be worth at the end of the lease term. It is typically based on expected depreciation, historical demand for that model, and the effect of expected mileage on the car’s value.

Typically, the cost of your auto lease buyout is based on the residual value and an additional purchase-option fee. If you are interested in purchasing your leased vehicle, the best tactic to take is to wait for the leasing company to call you toward the end of the lease and broach the subject of a lease buyout. From this position, you have a little negotiating power. This is when you can ask about purchase incentives. For example, you can ask if they would lower the purchase price. You could also ask if they would remove or lower the purchase-option fee. Asking if they will offer a discount financing deal on the lease-buyout loan is another question you can ask.

Prior to hearing from the leasing company, do some research on the current value of your vehicle and shop around for financing options for a lease-buyout loan. This will give you a little more negotiating power to work with when the leasing company does call about your intentions. With leasing companies typically open to selling the leased vehicle upon the end of the term, you are likely to find yourself with a good chance at a favorable deal if you are prepared with current vehicle data, are knowledgeable of your lease’s terms, and are aware of the market’s current financing rate.

For direction and assistance navigating your auto refinance or lease buyout and getting the best financing rates possible, call iLendingDIRECT at (866) 683-5505 or Apply Now.

companyCarOne of the benefits of an executive, leadership, or sales position in some corporations is the opportunity to drive a company car. But what constitutes a good company car, and what are the most popular types of company cars, you might ask? Comfort, reliability, and fuel economy top the list of the most sought after features companies look for when choosing which make and model they will purchase or lease for their employees to use as their company car, and German makes and models are currently at the top of list of preferred company cars. Here are the top five picks from the “hot list” of company car choices, according to whatcar.com:

BMW's 3 Series is currently the most popular choice when it comes to company cars, and has been the recognized leader in its class for years, with other manufacturers consistently raising their game to try and compete. Offering its drivers great handling, an enjoyable driving experience, interior comfort and elegant refinement, the fuel-efficient engines also combine stellar performance with competitive levels of emissions, making the BMW 3 Series irresistible to company car buyers.

Coming in second is the Audi A3, a phenomenal purchase for both company car buyers and private owners, with diesel engines ranging from 1.6 to 2.0 liters. Whatcar.com recommends company car buyers go for the 1.6-liter engine.
Volkswagen Golf comes in at number three, with something for everybody. The 2.0 TDI 184 GTD is the most searched for Golf model, and offers a dynamic combination of fuel economy, performance, and practicality. Carbuyer.co.uk calls this hatchback “impressively quick” (reaching 0-60mph in just 7.5 seconds) and good to drive.

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