4 Most Important Points to Consider While Finding a New Auto Repair Shop

Whoever owns a car has always a trusted auto repair shop in his/her locality. However, when someone moves to a new city, he needs to find everything from scratch. Just like you need to find a new house, a new telephone connection, and a new doctor, you should also find a trusted auto services center that can help you in maintaining your vehicle. Looking for an auto shop near your new house right in the beginning will give you ample time to search and find out the best and will make it easier for you to deal with car problems in emergency situations. Given below are few tips that will make it easier for you to find a good and trusted automobile shop:

Visit Different Shops and Check their Equipment
You can make an online search and quickly find out the list of these shops located in your vicinity. You can then shortlist a few and visit them. Make sure that the auto technicians are using advanced equipment needed to diagnose problems with modern day vehicles. If you find it difficult to determine the quality of equipment they are using, feel free to ask. Even though you are not much knowledgeable about different types of vehicle equipment, you can still get an idea.

Inquire About their Rates and Services
While you are visiting the shop, look around to check if they are clean and organized. You can inquire about their hourly rates, prices of replacement parts, quality of repairs made, fair shop rates, etc. You can also ask customers present there about their experiences in using the services of the auto shop. Don’t forget to ask the customers about their consistent quality service and customer care department

Check their Certifications
Certifications are given to auto technicians only after they pass a rigorous review process. Therefore, a certified auto repair shop is always better than non-certified ones. Check if the shop has any certifications from car manufacturers.

Check for Complaints with BBB
You can check with the local Better Business Bureau to ensure that no complaints are filed against the repair shop. Whether the repair shops are part of BBB or not, they can still have complaints about the shop and their services.

It is important to take care of the above mentioned points and search for the right auto center in the new city. Even though it may take time, but a little patience and some effort will help you find the right auto repair shop much before you need it.

Alternative Energy Technologies For the Betterment of Earth

The sources of fossil fuels are decreasing day by day. Also, the burning of fossil fuels causes many harmful effects on the environment. Unfortunately we cannot avoid either of these situations.

The only way out is if we totally get rid of using fossil fuels and use alternatives. There are many alternative energy technologies available which will reduce our dependency on fossil fuels.

Solar energy is a great alternative for fossil fuels, as the major part of energy comes from the sun’s rays. Windmills also produce energy, which is known as wind power.

A third, but less known type is marine energy, generated with the help of waves and the flow of water.

These three alternative energy technologies are on the top of the list and have so much potential in the future. There are many other alternatives available but those are still not in general use.

Solar, wind and marine powers are the natural resources that can generate huge amounts of energy.

Solar Energy:

These days solar energy is the top alternative energy technology and is utilized the most.

Although for many years people have been aware of the fact that the sun can generate electricity, due to the inexpensiveness and the abundance of fossil fuels, they happen to be more popular and usable.

By utilizing the sun rays with the help of the latest technologies, we can generate incredible amounts of energy. All over the world, people use solar energy to warm up water, to bathe and heat pools.

Solar energy is a natural source of energy that provides us with hot water and electricity. Also it is an inexpensive way to get energy.

Installing this technology now is a good idea as solar collectors will become more costly in the future with increases in electricity prices as fossil fuels become more scarce.

The most beneficial aspect of alternative energy technologies is they are not only harmless for the environment but also are sustainable. As long as sun is there, solar power will be there.

Wind Energy:

An additional and proven alternative energy technology is wind power. Windmills have been in use for many years for crushing grains and pumping water. These were used to generate energy in the European countries during the late 1800s.

A lot of researchers agree that wind power is among the best alternatives for energy. All over the world there are many wind farms that use alternative technologies for generation of energy.

Wind technology works with the help of a rotor to which three blades are attached. As the wind blows, these three blades start spinning the rotor. Eventually this results in the generation of energy.

This is a very simple method to understand. In making use of this technology, wind is the most important factor.

In many parts of world there is not enough wind. But this alternative technology can be utilized in places like Wales in the UK and in North Dakota in the US as well as off-shore in the oceans.

Marine Energy:

Research is ongoing in the use of marine power as an alternative energy technology. However, more research is needed to completely understand this technology before recommending it as an alternative energy solution.

Like solar and wind energies, marine energy will take some time to gain acceptance as a reliable alternative energy technology.

Reasons You Need Food Display Cabinets to Ensure Your Catering Business’ Success

The catering business is one of those enjoying a significant boom these days, which is no surprise why more and more new entrepreneurs are trying their luck in it. Whether you go for a catering business to open up a new restaurant one day or just into it because you happen to love cooking and entertaining, one of the most important things you need to learn is showcasing your food in the best and most visible way possible to gain new clients and customers.

A great display of food never fails to entice customers and encourage them to buy even if they had no plans of doing so. It also gives your place of business a welcoming feel and makes the customers feel that they’ve just entered Grandma’s kitchen and can partake of any pies or cakes that she has cooling on the shelves. Display cases also come in a variety of types – hot displays, cold displays, open or encased in glass. Whatever food display cabinet you choose, there’s always one that will suit your needs and requirements.

When choosing the best display for your business, you first need to consider three things: function, efficiency and appearance. Function-wise, you need to determine exactly what kind of display will you need – hot, cold or multi-temperature? If you are after energy-efficiency, you will need to choose displays that don’t use up a lot of lighting, heating or cooling to make sure you don’t waste energy and pay lower bills which can take up a huge chunk of your operational expenses.

And of course, you won’t want to choose a display that does anything but showcase your food in the most enticing way possible, as well as a display that doesn’t protect your food like it should. The whole point of purchasing display cabinets after all is to be able to show your food in its best state to entice customers to buy them.

Also, the best food displays help ensure your food stays fresh for as long as necessary and doesn’t spoil easily. If your restaurant serves wines, sodas and juice or has a salad bar, you need to make sure you buy display cabinets with a condensation evaporator and a self-contained air cooling unit for maximum efficiency. In the same light, hot food looks even more tempting with a display case that has rotating shelves and ample lighting to show the food in its best appearance. It should also have ample temperature to keep the food warm every time it is going to be served.

To make the most of your food displays, you will need to remember as well a few important key points. When displaying cold food, temperatures should be at 5 degrees Celsius or colder while hot food must be kept at 60 degree Celsius or hotter. You also need to know that hot food displays are not meant to cook or heat food for more than necessary. Make sure the cooked food reaches a temperature of 75 degrees Celsius before being stored in the food display.

Also food displays are part of the guidelines set by the health department in order to make sure your customers are not served spoiled food that can lead to food poisoning and other food-related issues.

Used Cars – Not Just Any Used Auto Extended Warranty Plan Will Do

While companies that sell used cars to the public and offer used auto extended warranty plans for their vehicles are definitely the best places to buy used autos, make sure you read the fine print on the particular extended warranty plan you are buying. Some used auto extended warranties will contain exclusions that limit the seller’s liability when a second owner purchases a used auto.

The used auto aftermarket is a huge business and it is definitely a place where the old “buyer beware” caution applies. It is important that you do your homework, that you read the fine print and that you understand the differences between warranty programs that cover cars & trucks that may or may not have been used commercially and used autos used solely by individuals.

Before you purchase your used vehicle, check out the company that stands behind the warranty. How long have they been in business? What’s their track record in paying off claims? Is it the same company that has done the evaluation of the used vehicle’s current condition?

Companies like 1SourceAutoWarranty, Warranty Direct, Warranties4Wheels, E Warranty Solutions, AA Auto Warranty and Warranty Warehouse that have been around for quite some time, have sterling reputations and deal extensively in the auto aftermarket are companies you can rely on for honesty, trustworthiness and security.

Make sure when you buy that used auto and you select the perfect extended warranty program for you that you get the plan that fits your vehicle and driving style so that you get the security that you paid for.

Technology Implementation in Business and Life and How Important It Is

Technology is the buzz word today. Almost everything we do, use, or consume is processed through some kind of technology. Computers and Internet has changed the face of modern society. Still there are people who are resistant to get themselves adapted, to latest technologies. They are so much involved into the affairs of their business, that they feel getting updated with technical stuff is not going to help them anyways. They feel it is a waste of time. I Am going to share a real life story to highlight, why it is so significant to cope with technology in the modern society.

My father has a trading business, which is doing good. However couple of years back all his accounting and office work was done 100% manually. He was comfortable with it as he was simply unaware of the magic of computers. He was also resistant to get systems and learn them, as he found to it be a waste of time and money.

When I stepped in, I realised that the work for which my father and other employee’s were investing their day and night, is actually not more than couple of hours work with the help of computers. I somehow convinced him to get me some IT stuff like laptops, printers, scanners and specially Internet in the office premises. He was reluctant but I had to hold on to my demands. When I got them a year passed by with no significant implementation of IT in the office. But I learnt lot about how things work in real life and in software applications.

Slowly but steadily I started to automate the office tasks. I automated accounting. After a lot of issues and reluctance from employees, things started to appear in perspective. Almost 80% of the accounting work was simply eliminated. There was no need to manually reconcile financial statements, no balance sheet preparation or different types reports. We dropped one of the employees as accounting became a piece of cake. We started saving hundreds of dollars right from the start. My father became so much relaxed which he never thought he would. He Could now work on more important things in life. Slowly he automated all other aspects such as attendance management, payroll etc. Couple of months later the profits were all time high and there was very less work to do in the Offtime. Now when he looks into the past, it seems unimaginable for him to work the way he used to. He is now a successful entrepreneur with good health. His working hours are 10 to 7 and takes off whenever he feels he needs one, which is very good considering he is a sole proprietor of the firm.

Implementing technology may seem a costly affair and will attract reluctance from the employees. However if successfully implemented technology can turn your firm around and bring out the true potential of your business.

From business to home, from daily life issues to entertainment, technology has a tremendous potential. However first one needs to invest time, to understand things and then use technology effectively for a better and more comfortable life.

Technology and Skills – Utilizing Modern Tools for Our Own and Our Children’s Benefit

If we are to climb the mountain we should be aware of technology, developing the necessary skills – when appropriate – to utilize it in order expedite and make our journey more comfortable. To ignore technology is not wise, to depend on it, however, is foolish. If we ignore it we may miss something that could be helpful. If we depend on it, we believe that the source of our power, our abilities, lies without, not within. No amount of technology and skill can get us up the mountain if our own willingness, intelligence, and wisdom are lacking. If we don’t want to climb that mountain, don’t have faith in our abilities, it won’t happen.

Some people get involved with technology, with the products and information of technology, when it is not related to an express purpose, to a mountain they wish to climb. They may look endlessly at tents even though they already have a tent. They may buy another tent because they enjoy having a collection of tents. They are spending their time and resources in ways that do not support their journey up the mountain. They are gaining satisfaction from possessions rather than the journey. Perhaps focusing on technology and its products may be a way of avoiding the journey.

Part of attaining wisdom is deciding how much is too much. When we acquire and bring along too many gizmos and gadgets when we climb mountains, we may not be able to support the extra weight and stress caused by these products of technology. We will tire easily and become strained; our available energies become focused on maintaining and supporting this unnecessary weight rather than the challenges and demands of our journey. Our progress becomes measurably slowed and our ability to scale the mountain is jeopardized.

Some people may look to technology and skills as the means to achieve their happiness. Our institutions may support this, as some are “workplace” oriented rather than “lifeplace” oriented. Our educational institutions may support and perpetuate the myth that our happiness and fulfillment depend on our careers and skills – technology and related information – rather than our relationships, meaning, and who we are and become.

If skills are the technology themselves, we should be careful about what we may be getting ourselves into. We need to make sure these skills are in line with who we are and desire to be. We need to make sure that these skills don’t distract our energies, redirecting us from our meaning, our desire to be authentic and loving.

For example, we take a job in sales with a mid-sized company. They send us away to a sales skill seminar for our training and development; they are going to teach us how to make a million dollars a year. As we learn these skills at the seminar, we need to ask ourselves if they support our movement towards authenticity and being loving. Are they asking us to be dishonest in any way? Do they give us the opportunity for our input, for our beliefs? Is their treatment of the employee and customer one that is truly respectful and for their respective benefit? Are they honestly representing the potential opportunity? If the job doesn’t support who we are and want to become, do we believe we could make a million dollars a year?

Perhaps if we are attempting to realize our “gift” – the realization of our passion through the connection of our talents and what is important to us – we can better decide if this job and the associated skills enable us. If it doesn’t resonate with who we are and wish to be, perhaps we should continue to look elsewhere, knowing we create and find what we desire by searching, through perseverance.

As another example, perhaps we are exploring some modern “human potential” technologies or therapies to heal a fear, an addiction, compulsion, or relationship in our lives. These technologies are in fact skills that have – in most cases – been developed and designed in recent years. Being new, they may be faddish, relatively untested and evaluated. Again, before we leap in head first, we need to learn about the skills used and decide if they resonate with what we believe and know, who we are and desire to become.

For example, someone I know has trouble acknowledging and expressing her feelings. A new type of therapy was recommended to her that was confrontational and hostile. The idea being, they would push and push, force her up against a wall if necessary, where she would have no place to go but be forced to deal with and express her feelings. However after a couple of hurtful and painful sessions, she felt that this method was in conflict with her beliefs about how humans should interact, and how she should be treated. She decided they could experiment on someone else; it was not for her.

Whether she was “right” globally is not the issue; perhaps this type of therapy will work for someone else. She made the decision that was right for her at that time; it is the truth as she knows it and that’s all that matters. She will continue her search and find what resonates and works for her.

When we are independent, follow our heart and our convictions, we can decide correctly what technologies and skills will empower us. We help our children make decisions regarding the use of technology and skills by sharing – not imposing – our understanding of technology and skills with them. We encourage them by our example to focus on first attaining authenticity, being loving, and determining meaning, and then wisely using technologies and skills that resonate with and compliment who they are and desire to be in the world.

Vacuum Food Sealers Are A Perfect Way To Eliminate Freezer Burn On Your Saved Foods

Does anyone else love fresh food? I don’t mind eating leftovers, but sometimes just leaving food in the fridge can dull the taste and flavor of the food, making it less than fresh. However, I also hate throwing away the leftovers, because it is a waste of money and food. However, I recently purchased a vacuum food sealer, one of the most useful and incredible kitchen devices I have ever seen. Basically with a vacuum food sealer, you can place your food in a plastic bag, and then use the device to suck all the air out of the bag. This dramatically reduces the age of your food, making it delicious and fresh as soon as you take it out of the bag! If you are interested in learning more about these small kitchen appliances, be sure to check out this article!

So why does food last longer and taste better when contained in the airless, plastic bag? First, the air we breathe has oxygen, which in a process caused oxidation can lessen the fresh taste of your meals. Air can also dehydrate your food, changing the texture and potentially causing freezer burn. Finally, open air is the main cause of the growth of bacteria. By sealing your food away in a vacuum, you can cut all the harmful effects of air on food.

How long will it stay fresh? This often depends on the quality of your bag and your vacuum food sealer, your freezer or fridge, and on the food itself. Most people use vacuum sealers to preserve delicate meats and other proteins, since they lose taste and go bad quickly. However with the proper use of a vacuum food sealer, your fish and meat can stay fresh from six months to an entire year! Many people also use vacuum sealers to keep fruit fresh and great tasting! Vacuum sealers can extend the life of your vegetables, fruits, and berries by months. Finally, some people even use vacuum sealers for food in the pantry, like cookies or other similar products!

While vacuum food sealers already augment the taste and quality of your produce and food, many of them also offer potential health benefits. This is mainly because it stops the effect of oxidation. Oxidation is basically a procedure in which oxygen destroys the nutrients in food by dividing and separating them.

Finally, vacuum food sealers are great because they allow you to save tons of money, especially if you are constantly tight on money. With a vacuum food sealer, you can cook your favorite meals in advance and in greater proportions. Eat half of a dish one night, seal it, then reopen and reheat it another night. You can also marinate your meat and fish much more quickly use a vacuum sealed bag. Finally, with one of these important small kitchen appliances you shouldn’t have to throw out any of your food, none of it should ever go bad!

Selecting the Best Pressure Washing and Power Washing Equipment for Car Washing and Auto Detailing

Car washing and auto detailing professionals seeking commercial grade pressure washing and power washing equipment must evaluate the various technologies on the market while critically examining features and components. Only then can they begin to select the best pressure washing machines for their particular applications. Many in the car washing and auto detailing industry often make a mistake by selecting low-priced, under-featured power washing equipment that will absolutely not last. Pressure washing equipment pricing is a consideration, but not at the risk of negatively impacting quality and performance.

Unfortunately, many feel pressure washing and power washing machines are similar, but that could not be further from the truth. Retail stores like Lowes and Home Depot offer a variety of pressure washing equipment, but the reality is the system components, motors, pumps and other parts are just not designed to for heavy-duty usage over time, especially when one considers car washing and auto detailing. Logic rules when the one compares the pricing of one of these light-duty power washing machines to commercial and industrial pressure washing systems selling for hundreds and even thousands of dollars more.

Commercial pressure washing machines are excellent for the car washing and auto detailing industry and sold in a variety of configurations and technologies. A car washing or auto detailing business can purchase a cold, hot, or even steam power washing machine powered by electric, propane, gasoline, and even diesel technology. The pressure washing machines’ psi and flow rate will also impact car washing and overall auto detailing performance and cleaning results. The best pressure washing and power washing equipment can last for more than twenty years.

Professional car washing and auto detailing work should involve hot water power washing equipment as the goal is to wash cars and vehicles more quickly and effectively. Cold pressure washing systems simply lack the higher temperatures that are so necessary to help clean the car surfaces more deeply and dissolve substances more quickly. Only higher temperature power washing machines are capably of delivering that kind of performance.

Certainly, auto detailing and car washing success is dependent upon the customer’s satisfaction with the cleaning job. Pressure washing and power washing cleaning chemicals are a critical aspect of any car washing and auto detailing business, but the type and safety of the chemicals is important as well. The EPA closely monitors the car washing and auto detailing industry to help ensure runoff is captured without pouring down storm drains. Car washing and auto detailing professionals must employ whatever systems are necessary to ensure regulations are met, or else the EPA will impose stiff fines.

Green cleaning chemicals and solutions have become the buzzwords in the car washing and auto detailing industry. Be very careful to carefully review and evaluate the green cleaning chemicals presented to you to help ensure they perform as well as the vendors claim for your car washing and auto detailing business. The car washing and auto detailing industry is laden with traditional cleaning chemicals as well as the more popular green cleaning chemicals, but many do not work well. Your task is to weed out the good from the bad before making a decision. Nano technology is the latest offering in green cleaning chemicals and will make a dramatic impact in the car washing and auto detailing industry.

Your car washing and auto detailing business may require the use of electricity rather than fossil fuels to power as well as heat a power washing machine. Many in the car washing business wish to use pressure washing equipment with a lower flow rate, especially if drainage is a consideration within their facility. Fortunately, all electric, hot, low flow, high pressure washing equipment is available on the market to meet your needs. Often these high-performance power washing machines require a minimum of 220 volts of power, so you may need an electrician to make the necessary changes within your facility.

Make an informed decision before purchasing pressure washing and power washing machinesfor your car washing and auto detailing business. Your customers’ satisfaction and the success of your operation depend upon it.

Many Leading Brands of Baby Food Contain Arsenic and Other Toxins

Many Leading brands of baby food contain arsenic and other toxins:

Recent studies have discovered small amounts of arsenic and other toxins are in the ingredients used in top-selling baby foods.

The baby food manufacturers assert the levels are too low so they do not pose a health risk, but they do not deny the existence of these toxic chemicals in their food products, as researchers found.
This correlates with a French study conducted in 2012 that came to similar results.

Safe Food campaigners and scientists are protesting and calling for stronger efforts to eliminate the chemicals from mass-produced food products consumed by millions of youngsters daily.

Serious Arsenic fears: Researchers found toxins from contaminated soil have made their way into ingredients used in baby food tested by Swedish researchers.

Scientists from the Unit of Metals and Health at Karolinska Institute in Stockholm, writing in the Journal of Food Chemistry, said: “Alarmingly, these foods may also introduce high amounts of toxic elements such as arsenic, cadmium, lead and uranium, mainly from their raw materials.”

“These elements have to be kept at an absolute minimum in food products intended for infant consumption. The high concentrations of arsenic in rice-based foods are of particular concern.”

Britain’s Food Standards Agency posted an official warning two years ago for young children to be stopped from drinking rice milk because of too much arsenic contamination.

The agency finally acted after two types of the poison were found in rice milk, including inorganic arsenic, which is the most harmful form of arsenic.

Arsenic is well known as a poison, but is also associated with causing cancers.

Both the FSA and the European Food Safety Authority have carried out a review for the purpose of setting new limits for amounts of arsenic allowed in food, particularly in foods for babies and toddlers.

Crops contaminated by arsenic from pesticide use is a commonly known problem worldwide.

Heavy industry creates other toxins that find their way into the soil and thus reproduce in the food grown on those contaminated soils.

The British Specialist Nutrition Association, which is the baby food trade body, stated its members “carefully select and control their ingredients as well as the baby food” to assure they are safe.

A biogeochemist, Professor Andrew Meharg, is gravely concerned about the arsenic presence in the rice that is used to make baby food.

“Baby rice is a very popular choice for parents weaning their babies onto solids, but there is a concern of arsenic contamination” he stated.

“Baby companies should be sourcing baby rice from regions of the world where levels of inorganic arsenic are as low as possible.”

The Swedish team that performed the study asserted toxin levels were measured in micrograms, as low as one millionth of a gram. The amounts they discovered were much higher than in breast milk.

Known Toxins in Baby Foods:

The leader of the Swedish research, Dr Karin Ljung, confirmed none of the chemicals discovered tested above existing safety limits. However, she further stated there is a serious need to review these levels to ensure our young children are fully protected.

Claiming this work was under way, The FSA stated: “The Agency is actively engaging with the European Commission to review and establish long term limits for these environmental contaminants in food.”

Plum asserted: “Sampling our recipe shows levels for arsenic are well below those in this latest study, and again these are well within the generally regarded safe and acceptable limits.” Which is their admittance arsenic and other harmful toxins are in their infant foods!

Credit Union Auto Loans – 7 Keys to a First Time Buyer’s Approval

Credit union auto loans are great for first time buyers in need of money for an upcoming vehicle purchase. In fact, credit unions are usually the best source, because they will typically offer rates and terms to first time buyers that can’t be found with other auto lenders.

Unfortunately, not all first time buyers will qualify.

Here are 7 key factors that credit unions consider in their auto loan approval process:

1) Your Credit Rating

There are essentially four credit situations a first time buyer will be in:

Toughest – i) No credit with collections, i.e. medical, cell phone, utility, judgements, tax liens, etc.

Tough – ii) Absolutely zero credit, no good and no bad.

Easier – iii) Limited credit with short history. You might have a small credit card(s) and/or under two years history.

Easy – iv) Long history, but no prior auto loans. You may have had auto loans in the past, but they are older and no longer show on your credit file.

2) Are You A Current Member

It’s not always necessary to be a member prior to applying for a credit union auto loan, but credit unions have been known to stretch a little for their existing members.

The longer you have been a member, the more money you have in your account and your monthly activity, i.e. regular monthly deposits, all may help when making a decision on a border line application.

3) Your Total Down Payment

Many first time buyers are able to get approved for a credit union auto loan with no money down, but the other factors on this list will be looked at more closely.

It will definitely help if you are able to show your commitment to the vehicle with a large down payment. Credit unions look at large down payments as glue. The more money you have invested up front, the more “stuck like glue” you will be to the vehicle and therefore, it will be that much harder for you to walk away from the vehicle in the future.

4) Your Employment Stability

Most credit unions will want to see a minimum of 12 months on the job, with 18 months being preferred. Often times they will consider how long you have been in the same line of work, if you have had multiple jobs over that time period.

5) Your Ability To Repay The Auto Loan

This is usually figured using a Payment To Income (PTI) ratio and a Debt To Income (DTI) ratio. In order to get approved for a credit union auto loan, most first time buyers will have to have a PTI equal to or less than 15-20 percentĀ of your gross monthly income.

Your DTI takes into account all of your monthly bills, including your new auto loan payment, and will typically need to be equal to or less than 40-45 percentĀ of your gross monthly income.

6) The Vehicles Age and Miles

Not all, but many credit union auto loan approvals will be affected by the vehicles age and miles. Most of the time they will be flexible on the age and not quite so restrictive, but many will not finance vehicles with over 100,000 miles.

If vehicles with 100,000 miles or greater are allowed, then they will often times want to finance for shorter terms, which in turn can impact your monthly payments.

7) The Total Amount Financed

The sky is certainly not the limit when it comes credit union auto loans for first time buyers. Most credit unions will cap the total amount financed at somewhere between 8,000 and 12,000 dollars.

Prior credit history will typically be the biggest factor in determining how much a credit union will loan you and this total amount financed range is usually reserved for customers just starting out with a limited credit history.

Summary

Not all of the factors above need to be met in order to get approved for a first time buyer auto loan, but the more the better. You can lack in one or more areas, but make up for it in another.

In my opinion, all first time buyers should consider a credit union auto loan as their first source for money when buying a vehicle. They typically offer the best rates and the best terms, while at the same time allowing you to establish a solid history with a lender you may do business with for many years to come.