Sunday, October 15, 2017

Buying Your First Car? Here's What You Need To Know.

By Gemma Murray | There are bound to be some pressing questions on your mind and for this very reason, we've compiled a comprehensive buyer's guide focusing on the safety, affordability, maintenance and practicality when choosing the ideal car.

Let's first take a look at the advantages and disadvantages of buying a new or used car.

Advantages of buying a new car

  • You'll generally get a comprehensive warranty package.
  • No previous wear and tear, mechanical or body damage.
  • The dealer may offer financing at a lower interest rate.
  • You could be offered additional options and features.
Disadvantages of buying a new car 
  • The purchase price is usually much higher.
  • Value greatly depreciates the moment you drive it off the floor.
  • New upgrades or features could take effect soon after purchase.
  • Insurance, taxes and registration fees are higher.
Advantages of buying a used car 
  • The purchase price is lower overall and could be even lower if you buy privately.
  • Used cars continue to depreciate, but typically the most during the first two to three years.
  • You can sell it for almost the same price you bought it for if it's well-maintained.
  • Insurance rates tend to be lower.
Disadvantages of buying a used car 
  • May not be as reliable as a new car unless you buy a certified pre-owned vehicle.
  • Interest rates could be higher when financing.
  • Limited or no warranty.
  • Higher maintenance costs.
  • You can't pre-order the car with the features of your choice.

Here's what you should know when buying your first car

1. Applying for Finance 
Once you've done all your homework on the car you want and you know you can afford it, applying for finance is simple. Visit the dealership where a Finance and Insurance (F&I) representative will be able to give you advice, explain everything about the loan application and help get the wheels rolling.

2. There is no such thing as a silly question 
Dealerships have their own F&I representatives who are registered with the National Credit Regulator who will guide you through the entire purchasing process. When you go to the dealership to close the deal on your first car, don't be shy to ask questions if you don't understand anything. This is your last chance to do so before signing on the dotted line.

As exciting as it may be to drive away in your new car, be patient and don't rush the process. Here is another interesting article with a few more tips on buying your first car.

3. Know your budget 
There's no denying that car payments go beyond just the monthly repayments. You need to be honest with yourself as to what you can really afford. Remember to include insurance, fuel and running costs to your budget. If you can't really afford the fuel or maintenance cost for a big 4x4, consider something more fuel-efficient and affordable. Great options currently in the market are snazzy Datsun GO and the gutsy Renault Kwid.

4. Forget the debt 
Life is too short to worry about unnecessary debt. If you can't afford an expensive car, be patient and avoid balloon payments where possible. If you can afford to, rather choose the shortest possible term for the loan even if it means your repayments are slightly higher. The sooner you pay off your car, the sooner you will be debt-free.

5. Insurance is non-negotiable 
Before taking to the road in your new car, you need to produce proof of insurance. If you have pre-existing cover, simply provide them with your document and if the dealership arranged insurance for you, they will already have it on file.

You are required to maintain comprehensive insurance on the car for the duration of the financial agreement. This not only protects you and your finances, it also gives you peace of mind knowing you are covered. Your insurance will pay out the insured value of the car should anything happen which means you don't have to continue the repayments on a car you no longer have.

Consider this when car-hunting in South Africa:

1. Is it affordable? 
Budgeting is important for many South Africans as not everyone can afford to pay the current price for new cars, not even the 'entry level' or 'budget' ones. The used car market provides many good options but you have to do thorough research before buying anything.

2. How well has it been maintained? 
Maintenance is as important as affordability if not more as you can always plan and manage your monthly repayments but not so much the unforeseen maintenance issues.

More often than not, a used car will no longer have a service plan which means the car owner needs to pay for all repairs and services out of pocket. Where possible, choose a car with a full service history (FSH) and a strong national dealer network. Make sure you can afford out-of-warranty repairs or services from new tyres and shocks to engine or transmission issues.

3. What is the level of safety? 
Looking back in history, for a long time, only the most expensive cars had additional safety features. Nowadays airbags, ABS, EBD, impact bars and crumple zones are more common. Considering the rising death toll on South African roads over the last few years, these safety features have become more a necessity than a luxury.

Remember to check the following when buying your first car:

  • Condition of all safety belts - strength, intensity and resistance.
  • Ensure that there is a legal amount of tread on all the tyres and don't forget the spare wheel. In some cases, you can ask the dealer or seller to fit new tyres if necessary.
  • Test the hooter and all the lights outside and inside the car.
  • Ensure that the vehicle tool kit is complete and check that the car jack is in working order.
  • Ask for the car's accident history report. Some dealers may not tell you this unless you ask.
  • Research the vehicle's NCAP safety rating.
4. Is it practical? 
Find an affordable car that is suitable and practical for you or your child. Check that the boot is big enough to hold a few suitcases and bags for a weekend away. A two-door car might seem like a good idea but it is impractical. Loading and unloading passengers is not easy, the boot is small and not much leg- and headroom.

Consider what the car will mainly be used for and choose accordingly. Will it only be used to and from college or university or what about cross-country road trips? Perhaps your child is studying engineering, construction or a subject where they are likely to need something more durable and able to carry a heavy load at some point.

It's important not to just buy the first good looking car you see as you might be stuck with it for years. Be smart, be patient and enjoy the ride!

Article Source: http://EzineArticles.com/expert/Gemma_Murray/2395386

~

Article Source: http://EzineArticles.com/9808155







Thursday, October 12, 2017

Weekly BAP update: The government targets Black Resistance




,

The state is growing more desperate and dangerous.

It faces a crisis, one where its own legitimacy is being questioned.

In a re-play of the repression faced by Black liberation forces in the 1960s and '70s, news broke that the Black resistance movement is in the cross hairs of the state. So-called "Black-identity extremists" are now the new FBI targets, a category that can include anyone who believes Black people have the right to resist and deserve self-determination, one of BAP's grounding principles.

But we will not be intimidated. We will intensify our organizing and educational work and meet this challenge as we have met challenges in the past.

Now don't forget to give—we need all of the resources we can get!

The struggle continues and we will win. Here are articles, videos and events to help you tackle the crises we face:


EVENTS
  1. October 14, Washington, D.C.: BAP member Pan-African Community Action is organizing the sixth-annual Thomas Sankara conference in Washington, D.C., to help develop pan-African strategies.
  2. October 14, Columbus, Ohio: Meet BAP national organizer Ajamu Baraka in Columbus, Ohio! You can also hear him speak at a second event about resistance and Black liberation in the age of Trump.
  3. October 17, Decatur, Georgia: The Georgia Peace and Justice Coalition is hosting Ajamu to discuss the history of the U.S.-Korea conflict.

VIDEO
  1. Despite Trump's bluster, nothing has really changed with how the United States deals with the world, said Margaret Kimberley, BAP Coordinating Committee member, at the United National Antiwar Coalition's rally on Saturday to commemorate the 16th anniversary of the war in Afghanistan.

ARTICLES
  1. BAP member Charo Mina-Rojas discussed the heated Colombian peace process.
  2. The state is not playing. Already, a convergence of white opinion exists on the left and on the right in opposition to what they call "identity politics" and what we call racial justice. Now folks are being targeted as "Black identity extremists."
  3. When the social compact is weak, everybody is the 'Other'—and, therefore, a target.
  4. In the twisted, racist, profit-seeking minds of U.S. and E.U. leaders, a military buildup mainly using Black and Brown U.S. bodies is designed to create peace.
  5. It's important for folks to understand the United States funds terrorists when it wants to take control of a country.
  6. Are Russians collaborating with or influencing U.S. Blacks? This allegation is not new.

Let's continue to build the resistance we all have been waiting for!

In struggle,
Coordinating Committee
Black Alliance for Peace
 



Copyright © 2017 Black Alliance for Peace, All rights reserved.

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Akua Taylor's NEW Single "Song Lake" Launch Success! THANK YOU






New Single Out Now!


On October 8th, Gallery 992 in Atlanta was packed with a full house of Song Lake supporters!  The band was live and serving up musical sweetness.  The actors and dancers were full of great energy, and they looked fabulous in "DIO Original Wearable Art" fashions.  Akua was vocally free and feeling grateful!  Video coming soon...
Thank you to everyone who attended! It was heartwarming to see friends, family and supporters from all walks of life.  Some shed tears as we "washed our spirits clean" in the Song Lake.  We even received a standing ovation.

The single "Song Lake" is available now, everywhere music is sold online!  This is a first for us so thank you in advance for getting your copy soon and sharing widely.  We are sure you will LOVE the song!
Buy "Song Lake" Here

We're Fiscally Sponsored!

"Song Lake" is a sponsored project of Fractured Atlas, a non-profit arts service organization. Contributions for the charitable purposes of "Song Lake" must be made payable to "Fractured Atlas" only and are tax-deductible to the extent permitted by law.
https://www.fracturedatlas.org/site/fiscal/profile?id=16518





Copyright © 2017 Precious Messenger Productions, All rights reserved.
www.akuataylor.com

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Precious Messenger Productions
Glenwood Ave.
Atlanta, Georgia 30317

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Rally for the Civil War’s greatest generations of Union African descent freedom fighters! Instead of Removing confederate monuments & symbols!

Tenth Annual Lower Mississippi Valley Black and Blue Civil War History Program
 
Rally, rally!  Rally for the Civil War’s greatest generations of Union African descent freedom fighters! Instead of Removing confederate monuments and symbols!

October 14, 2017 at Historic Jefferson College Campus in Washington Ms. 10 A. M.

Civil War African Descent (Black) Union Sailors! Who Have Heard, Read or Seen Anything about Them Before?
Where in Mississippi, Louisiana, Texas, Alabama, Arkansas and Tennessee have you seen Black Union sailors in Civil War Re-enactments, on monuments, in history Museums, books etc.

Only Friends of the Forks of the Roads Society’s Annual Black and Blue Civil War Living History events for the past ten straight years have presented to the public free of charge such Unprecedented history in a first person format!

Come see and learn how enslaved African descent Union Navy sailors helped to defeat the Confederates in the Mississippi Valley whose statues are being removed from public places. Please use the same amount of energy and time showing and educating about how chattel slavery was destroyed by the greatest generations of African descent freedom fighters instead of removing confederate monuments and symbols!

Teachable take away at 10th annual Black and Blue Civil War Event 10-14-17

10:30 A. M.
To help our audience experience and hear the sounds of engines, see the gun fire and smoke of Union navy battle ships African descent sailors and nurses served on renowned Civil War Historian Parker Hills of Clinton Mississippi   www.battlefocus.com will presents a dramatic animated power point Teach-in about “Lincoln’s Brown Water Navy” (Mississippi Squadron) in action in the Mississippi Valley Civil War. 

“The role of the United States Navy was the decisive factor in securing Union victory and nowhere was that more evident than on the inland waters where the ironclads, tinclads, and cotton clads of the 'Brown Water Navy' battled for control of the Mississippi River and its major tributaries”…Gary D. Joiner Author Mr. Lincoln's Brown Water Navy 

“The unique and inestimable value of the Negro to the Union navy, as to its army, was his acquaintance with the [Confederate] enemy and his terrain. The greatest single source of military and naval intelligence, particularly on a tactical level, for the Federal government during the Civil war was the Negro. Knowing the crucial importance of information concerning the enemy for any successful military effort, these hundreds and thousands of willing and eager scouts, spies, guiders, pilots, and informer, available only to the Union forces, constituted a major source of superiority for the Union forces as opposed to their enemy. Frequently Negroes, both enlisted and civilian, provided units of the Federal fleet with information (and at times personally guided those units) making possible the destruction or capture of valuable stores of sugar, rice, cotton, corn and salt”……Herbert Aptheker [ ] = inserts

1:00 P. M.   
Living History Roles of African Descent Ex-“slaves” Freedom Fighters’ Actions in the Union Navy and
U. S. Army Colored Regiments in the lower Mississippi Valley’s Confederate states during the Civil War.

Want learn this unprecedented Black and Blue History come on October 14, 2017 and bring others!

Rally to Raise up Black Civil War—Civil Rights History & Not take down Confederate Monuments!

Award Winning Ser Seshsh Ab Heter-CM Boxley

'You know that you are in trouble when you allow the same people who have historically oppressed you tell you your history and define your reality"... Dr. Runoko Rashidi

601-442-4719
P. O. Box 2188
Natchez, Ms. 39121
FB Ser Seshs Ab Heter-Boxley,
FB Forks of Roads America's Domestic "Slave"Market Natchez

Leader of Equal Human Commemorations Campaign to
"Desegregate" History/Culture in Mississippi-Central Louisiana
Pertaining to Chattel Slavery, Black Civil War Freedom Fighters,
19th and 20th Centuries Civil Rights and Diversity.
Former Public Service Administrator
Veteran of San Francisco Bay Area
Civil & Human Rights Movements
Former Ph.d Candidate Antioch Ohio
University Without Walls San Francisco
Holds California Community College Public
Services/Administration Credential
Masters Urban and Regional Planning &
B. A. Sociology California State University San Jose,
AA Business College of San Mateo Ca.,
Former Community College Instructor,
Former Multli-Culture Community Development CEO Redwood City Ca.,
Author & Publisher! Enabled Capacity Of Natchez Ms. Deacons For Defense & Justice To Defend The Natchez People Who Waged "One Of The Most Successful Economic Boycotts In Civil Rights History." Same Tri-part Methods were Applied Throughout Mississippi to win modern Civil Rights!

Monday, October 9, 2017

Support Dominica Hurricane Maria Relief

On Monday, September 18, 2017, our beloved Nature Island was in the direct path of Category 5 Hurricane Maria and, as a result, has sustained widespread devastation. DARDA is asking members of the Diaspora to assist in the relief efforts by contributing to the following gofundme page.  All proceeds will benefit the recovery, relief and rebuilding efforts in Dominica. http://www.darda.org/hurricane-maria-relief.html


Get your Tickets NOW! ANCESTRAL VOICES: Film Screening & Discussion




Ancestral Voices: Spirit is Eternal

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IT'S THE INDEPENDENT FILM RELEASE OF THE YEAR!
It is my pleasure to announce that ShakaRaSpeaks.com has teamed up with Ancestral Voices: Esoteric African Knowledge to bring you a screening of the number one film dispelling the myths and shining a light on the oldest yet most misunderstood faith practice known to humanity - Afrikan Spirituality!
Its the hottest film of the moment and we bring it to you in a purpose built theatre! Watch Ancestral Voices in full Widescreen HD!
If that wasn't enough, following the film we host an Illustrious panel including Directors/Producers
Dalian Adofo
Verona Spence-Adofo
Also featuring
Naa Tsotsoo Soyoo I
Bro. Ldr. Mbandaka
Yaa Asantewaa
Hosted By: ShakaRa
THIS EVENT WILL SELL OUT!
So don't delay, get your tickets TODAY!
Sun 15th Oct | 5pm | £10
STOCKWELL PLAYHOUSE (formerly The Lost Theatre)
208 Wandsworth Rd, London SW8 2JU
GET YOUR TICKETS & FULL INFO HERE


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