Page 11 - Chehalis Tribal Newsletter - October 2014

CHEHALIS TRIBAL LOAN FUND NEWS negotiated! Used cars prices are subjective, so the “book value” may not refect the TIPS ON HOW TO PURCHASE A VEHICLE car’s actual worth. Again, research the value of your vehicle prior to going into a dealer to see what your Know your Credit Score, and debt- there is an issue. with price quotes to see if they will car should be worth as a trade in. to-income ratio? Need more help „ Check the fne print, and review match or beat a price. You can usually get more for your with this? Make an appointment all of the numbers on your fnance vehicle if you sell it privately, but it with the CTLF staff. papers prior to signing the Ask for Carfax reports. Don’t take can take longer. „ It also helps to know your credit paperwork. it for granted that it is accurate though. Inspect all vehicles score so dealers can’t lie to you Examples: These are prices I found and charge you a high interest Research a vehicle: thoroughly, including the trunk, online, at local dealers on October rate. How much can I spend on a vehicle? windshield, lights, brakes, etc. 7, 2014. „ If your credit score is above 680, What will the maintenance be on Negotiate with the dealer: 2013 Ford Edge you are a “prime borrower”. You this model? should get a low APR loan. How much will insurance be? Get a price on a vehicle before any Dealer one: $26,991 „ If your credit score is below 680, How do you plan on using the “rebates”. Once you have negotiated 38,305 miles you are “sub prime”. You’ll pay a vehicle? Will you be commuting? a price, then add the rebates. Dealer two: $26,490.00 higher interest rate. Transporting kids? Rebates are your money. Make sure 11,588 miles „ Below 550, you will most likely Decide on a make, model, year, and you are willing to walk out of the dealership without a vehicle. Don’t be unable to get a dealer loan. even color of the vehicle you want. let emotions get in the way when Dealer three: $23,000 Key Auto fnancing tips: dealing with car salesman. 33,033 miles Look online at several dealers in Kelly Blue Book value: „ Never shop based upon the several towns. You can fnd the Be polite and friendly to 2013 Ford Edge: $19,830 monthly payment. Dealers can same vehicle for up to $5000 less salespeople. extend the length of your loan in at a dealer in a different town. If it Which vehicle would you choose? order to get the monthly payments is a used vehicle, look up the Kelly Do not be talked into “add-on’s” What can you negotiate? down. Blue Book value prior to going to (i.e.; dealer prep, rust proofng, or Contacting the CTLF Program „ Figure out your budget before the dealer. paint sealant, fabric protector). shopping so you know what you You can also go online and get free Julie Burnett, Executive Director can afford. price quotes. If you have a smart TRADE INS: 360-709-1831 „ Don’t give a cash deposit. You phone, check prices on sites like Do not tell a dealer you are trading Diana Pickernell, Loan Coordinator can dispute a credit card charge if “Autotrader.” Call other dealers until after the price on a vehicle is 360-709-1631 Chehalis Tribe Hours of food distribution are as follows: Monday, Tuesday - 9:30 to 12:00 and 4:00 to 5:00 Wednesday - Closed Veterans Food Drive Thursday - 9:30 to 12:00 and 4:00 to 5:00 Friday - 9:30 to 12:00 (Closed in the afternoon) Ideas of some items that are needed: For leaving donations, ROOF is open regular offce hours: Monday through Cup O’Noodles Cake mix Pie Filling Grocery Store Gift Cards Friday, 9:30 AM to 5:00 PM. However, it’s always a good idea to call ahead Sweetened Condensed Milk Energy Bars Box Pasta to ensure we are not closed due to a school holiday or for staff training. Plastic Utensils Flour Paper Plates and Napkins Stuffng Mix Who Qualifes to Use the Food Bank? Canned Fruits and Vegetables Macaroni and Cheese You must live within the Rochester Oakville Food Drop off points will be at the front Tribal Center lobby and/or the lobby School District to use the ROOF food Bank of the clinic. Beginning 10/28/14 through 11/10/14. These items will be bank. To sign up, please bring with you Open every third Wednesday given to Joint Services and used for veterans and their families in need. a bill with your name and street address of the month which is dated within the last 30 days, and THANK YOU FOR YOUR SUPPORT! a piece of photo I.D. From 9:00 - 11:00 AM NOTICE: Information displayed n this Any questions regarding this please Visitors may use the food bank two times To qualify you will need to show fyer in email or on our wesite calendar contact Gloria at 360-709-1810 or proof of your residence in Oakville is subject to change without notice. a month. A third visit is available during Please refer to this fyer’s contact GJones@ChehalisTribe.org the second full week of each month to (bill with name and street address person for the latest update. Approved by the Business Committee pick up government commodities ONLY. which is dated within last 30 days) chehalistribe.org  greatwolfodge.com  luckyeagle.com  eagleslandinghotel.net Page 11