Are You Facing Foreclosure New Jersey?

Posted on April 5, 2013 by Paul Sansone, Jr.

Photo Credit: dtrrealty.com

Often you may think of problems with credit stemming form credit cards. However, credit problems can also arise from missing mortgage payments as well. And if you begin to miss your mortgage payments, not only will your credit become affected, but you may also lose your home to foreclosure. Lenders use foreclosure as a legal action to repossess your home. And if you owe more on your property than it is worth, lenders can pursue a deficiency judgment. A deficiency judgment can affect your credit as well. Follow the below steps to help keep your credit healthy and avoid foreclosure New Jersey.

• Never ignore any letters from you lender. If you are having trouble making payments contact your lender immediately. You can call or write their loss mitigation department and explain your situation. You will probably have to provide them with your financial information such as your monthly income and expenses, loan documents and information about your mortgage, tax returns and the amount of equity you have in your home.
• Stay in your home for the time being. If you leave and abandon your property, you may not qualify for assistance. A program called Hope for Homeowners, only offers 30-year fixed-rate mortgages to owners who are currently occupying their homes.
• You can also contact a HUD-approved housing counseling agency. They can provide you with information on services and programs offered by government agencies and private and community organizations. Generally, their services are free of charge. To find an agency near you, call 1-800-569-4287 or TDD 1-800-877-8339.

For more information about mortgage payments and foreclosure, visit usa.gov. If you have had problems in the past paying your mortgage and your credit has been negatively affected there is an auto-buying program for you. Visit your local new and used New Jersey auto dealer, Sansone Jr’s 66 Automall, and ask us about 866-Rent-2-Own today.

What’s Wrong When The “Check Engine Light” Comes On New Jersey?

Posted on April 1, 2013 by Paul Sansone, Jr.

Photo Credit: olx.com

It has most likely happened to some or all of us one point in time. You are driving your vehicle down the road and all of a sudden you notice your “check engine” light come on. What does this mean? It can be quite irritating when this happens because as you probably know, it could be any number of things. Whatever the problem, when your “check engine” light comes on it needs to be checked out!

When your “check engine” light comes on this is the onboard diagnostics system or OBD II, letting you know that something is wrong with your vehicle’s emissions, ignition or fuel system. These systems are there to detect when your vehicle is having any engine-related problems affecting the emissions system.

Whenever you start your vehicle, the “check engine” light will come on for a few seconds with your other warning lights, and then should go off as they all do. However, if it remains on, then that means that there is a problem. There could be many things going on with your engine, so it is best for a professional auto technician to take a look at your vehicle. You may be able to try a few things first based on what the “check engine” light is doing. Before bringing it in you can try tightening the gas cap. Sometimes if it is loose, it can set of the “check engine” light. If that doesn’t work you can also try replacing your gas cap if it is old and worn. However, if the light is flashing it is best to bring in your vehicle as soon as possible because this usually indicates a serious problem.

Once you have tried to fix the problem yourself, if the problem still persists, bring your vehicle in to be looked at. An auto technician can diagnose the problem by connecting to your vehicle’s onboard diagnostics system. For more information on your “check engine light,” visit www.blogs.cars.com. And if your check engine light is on, bring in your vehicle to your local new and used New Jersey auto dealer, Sansone Jr’s 66 Automall. Our service department will be happy to help with any problem your vehicle may have.

Networking Tips For Getting The Most Out Of People New Jersey!

Posted on March 30, 2013 by Paul Sansone, Jr.

Photo Credit: placestar.com

Many people in sales and other types of business use networking to help build and grow their client base. Whether networking on a daily basis or once a month, this aspect of your business can help you expand and grow your current clientele. To get the most out of your networking and help reach your goals, there are some tips you can follow when it comes to networking.

1. Determine who can help you expand your business. Before you can use networking to grow your business, you need to determine who you think can help you. Make a list of individuals and companies who you would like to pursue, whether or not you have a current or existing relationship.

2. Reach out to these contacts regularly. Keep in touch with them on a regular basis and see what you can do for them rather than always asking for something yourself.

3. Give back to your contacts. Find out what the interests of your contacts are and make sure to ask and always keep these interests part of your conversations. If you read an article, meet another contact or become aware of an event you think they would enjoy or benefit from, reach out to them about it.

4. Contact them through social media. Reach out to your contacts through social media and stay connected to what is going in their careers. Congratulate them on achievements and keep a dialog through the social media site.

5. Make time for updates. Periodically update and maintain your contact list to reflect any changes. Perhaps some of your contacts have retired or changed direction in which you don’t gain as much from each other anymore.

6. Show appreciation. On occasion, take the time to send your appreciation and thanks. This can be done through a handwritten note, fruit basket or other form of recognition.

For more information on what you can do to in your networking to help grow your business, visit www.inc.com. And you can also become a part of EZ Referral Network, the ultimate referral program.

The 2013 Nissan 370Z Roadster Touring New Jersey!

Posted on March 29, 2013 by Paul Sansone, Jr.

Photo Credit: ibtimes.com

With the spring weather warming and bringing us into the heat of summer, nothing seems more relaxing than cruising down the open road with the top of your convertible car down. And to paint an even prettier picture, imagine doing this is the 2013 Nissan 370Z Roadster. So take your imagination for a ride and see what the Nissan 370Z Roadster has to offer.

The 2013 Nissan 370Z Roadster is quite a step above the Nissan 370Z Coupe. Starting at $41,470, this is more than $8,000 above the base price for the 370Z Coupe. The 2013 Nissan 370Z Roadster features a 3.7-liter, V6 engine, which gives out 332 horsepower. In addition, the engine features Variable Valve Event and Lift (VVEL), which gives the 370Z Roadster better handling and fuel efficiency. The Nissan 370Z Roadster’s engine will also give you 18 miles per gallon in the city and 25 miles per gallon on the highway. For an even smoother performance, Nissan has included a SynchroRev Match Manual Transmission to monitor the clutch, shifting and speed all at the same time to for seamless down and up shifting. Other features that allow for a sports car performance include a low center of gravity, wide stance and short wheelbase for enhanced handling and cornering and increased maneuverability.

And what would a high-speed vehicle be without a high-tech set of tools to go with it? The 2013 Nissan 370Z Roadster comes equipped with iPod integration, NavTraffic, NavWeather, a Bose audio system, Nissan Intelligent Key and a rearview monitor. Nissan’s NavTraffic and NavWeather, are part of the Nissan Hard Drive Navigation System giving you the latest in traffic and weather conditions.

For more information about the 2013 Nissan 370Z Roadster Touring, visit www.nissanusa.com. And if this dream can’t be a reality right now, you can always choose your favorite aspects and customize your own vehicle at 66MVP, located at your local new and used New Jersey Nissan dealer, Sansone Jr’s 66 Automall.

Creating A Budget To Help You Get Out Of Debt New Jersey!

Posted on March 28, 2013 by Paul Sansone, Jr.

Photo Credit: checkcity.com

Whether you have some bills or debt to pay off, or you want to save up some money, a budget can help you do just that. Not only will it help you with your finances, it can also give you an idea of where you are spending the most money and where you might want to cut back. Follow these steps to help you set up a budget and get your finances on track.

1. Start Simple. Create a budget worksheet with three columns, necessity, necessity with the ability to reduce, and discretionary. Organize your expenses under these columns. Items under necessities would tend to be fixed payments and would include rent, mortgage and car payments. Necessities that you may be able to reduce your payments of include food and utilities. Although you need them to survive, you can try to reduce your spending of these items. Discretionary items include entertainment, travel and personal grooming.
2. Put your budget into practice. There are many tools available to execute your budget. These include online tools offered by your financial institution, bill-pay services and automatic payment options. Determine how much you are going to spend each month on items such as gas, food and entertainment. Divide these amounts into separate envelopes for use during the month.
3. Use the 10/10/10 method for savings. Set aside 10 percent of your gross income per month for retirement, vacation/gift giving and emergencies/rare expenses, respectively. This can help you avoid having to charge unexpected expenses by being able to pay in cash.
4. Get a partner. It may help to keep to successful and make you accountable, if you have a friend, co-worker or parent helping you out. You can also opt for a professional or certified financial planner.
5. Spend less during the holidays. According to the National Foundation For Credit Counseling, people who pay with cash during the holidays spend 20 percent less.

Try putting the above budget suggestions to use to help you lower your debt or save more money. And if you are in need of a vehicle but are working on your credit, check out the 866-Rent-2-Own program at your local new and used New Jersey auto dealer, Sansone Jr’s 66 Automall.

Kia Makes Some Changes To The Optima Hybrid New Jersey!

Posted on March 27, 2013 by Paul Sansone, Jr.

Photo Credit: theautochannel.com

As the year has changed and other aspects of your life may continue to be changing since the start of this new-year, there is one more thing that will be changing for 2013. Kia will be updating the 2013 Optima Hybrid with more fuel efficiency and more power.

The new 2013 Kia Optima Hybrid, features mostly mechanical updates to achieve its increased power and fuel efficiency. A 47 horsepower electric motor has been added to the Optima Hybrid as well as a stronger stop-start generator and lithium-polymer battery. With the addition of these items, the 2013 Kia Optima Hybrid will now receive a combined torque of 235 pounds per foot, increased from 195. Another significant change in the 2013 Kia Optima Hybrid is the addition of another trim level. The Optima Hybrid is now available in the base and EX trims, differing in equipment and fuel economy. The base model of the 2013 Kia Optima Hybrid offers 36 mile per gallon in the city and 40 miles per gallon on the highway. The EX trim level receives 35 miles per gallon in the city and 39 miles per gallon on the highway, with the addition of a navigation system, backup camera, Infinity Premium audio system, panoramic sunroof, heated front seats and 17-inch aerodynamic wheels.

Many of the current components to the Optima Hybrid will remain including the lightweight aluminum suspension and the aerodynamic engineering helping to reduce drag. The pricing of the new models of the 2013 Kia Optima Hybrid, are not expected to be much higher than the 2012 models. Currently, the 2012 base model is priced at $26,550. For more information about the 2013 Kia Optima Hybrid, visit www.cars.com and stop by your local new and used New Jersey Kia dealer, Sansone Jr’s 66 Automall.

Essential Winter Weather Safety Features For Your Vehicle New Jersey!

Posted on March 26, 2013 by Paul Sansone, Jr.

Photo Credit: weather.com

Although spring has sprung, there is still some lingering winter weather that can pop up when you least expect it. And in order to be prepared for such surprises, it helps to have certain safety features on your vehicle to help you get through the rough spots. Of course many of these features don’t do their job unless the driver is doing his. With driver focus and the following features, you can feel a little safer when driving on winter weather roads New Jersey.

Electronic Stability Control – ESC or Electronic Stability Control, is an important feature to help keep you safe on the slippery roads of winter. ESC can help keep the driver from losing control, prevent spinout accidents and prevent rollover accidents.
Antilock brakes – Antilock brakes are part of the Electronic Stability Control system and come standard on all vehicle models as of 2012. Antilock brakes are most beneficial on wet and slippery roads and are most effective when not pumped.
Forward-Collision Avoidance – This is an alert system that will signal the driver when are nearing too close to the vehicle in front of them. The system uses sensors, cameras and radar or light detection to determine how close you are to the vehicle you are tailing. Some of these systems also brake automatically after the warning signal is sent out.
Adaptive Headlights – This type of headlight is the most helpful in fog or rain and dark, curved roads. They help the driver to see more clearly what is ahead and use sensors to help directly spotlight the road in front of you.
Lane Departure Warning and Prevention – This feature, similar to Forward-Collision Avoidance, will alert the driver through sensors and monitors when the vehicle is passing into the next lane. Some systems use a vibration through the seat or steering wheel to alert the driver while others use a signal the driver sees or hears.
Fatigue Warning – Another driver safety warning system, Fatigue Warning, will alert the driver if the system detects drowsiness in the driver’s face or eyes or if the driver is displaying drowsy driving behavior such as lane drifting or steering changes. An alarm sounds if the system detects any of these habits.

For more information on the safety features that help keep you safe during that late winter weather spring storm, visit www.bankrate.com. And if you have any questions regarding these safety features or need to check out a vehicle that has them, visit your local new and used New Jersey auto dealer, Sansone Jr’s 66 Automall, today!

Safety App For Your Smartphone New Jersey!

Posted on March 25, 2013 by Paul Sansone, Jr.

Photo Credit: nhtsa.gov

Whenever you get behind the wheel of your vehicle, you often think of safety. Whether for your own safety or that of your family’s, staying safe goes beyond safe driving on the road. As a vehicle owner and driver, it is important to keep up with other aspects of auto safety. From changes and additions to the rules of the road and recalls and safety alerts, auto owners need to be informed of these changes. One government agency that keeps consumers aware of safety headlines is the National Highway Traffic Safety Administration (NHTSA).

The NHTSA has come out with a new free app for your smartphone, SaferCar. It allows you to access many of the NHTSA’s websites most important features and give you the information you need to make all your informed automotive safety decisions. The SafeCar app offers some of the following features to help keep you and your family safe:

• 5-Star Safety Ratings – Before you purchase a new or used vehicle, check its vehicle crash test rating and compare to other makes and models.
• Recalls and Complaints – Be aware of any safety issues the vehicle you are driving may have. You can save all your vehicles in the app for up to date safety information and alerts. You also have the ability to file complaints with the NHTSA if you suspect a safety issue with your vehicle.
• Child Seat Installation – Get help securing your precious cargo and make sure that your child safety seats are properly installed. The SafeCar app will direct you to the closest location where you can get help making sure your child is safely secured.
• Safety Headlines and Alerts – Find out important news and information and become alerted to any recalls affecting the vehicles you are driving.

The SafeCar app from the National Highway Traffic Safety Administration is currently only available for iOS devices such as the iPhone, however the agency is working on a version for other electronic devices. For more information on this new safety app, visit www.thecarconnection.com. And if you are alerted to any safety issues with your vehicle, visit your local new and used New Jersey auto dealer, Sansone Jr’s 66 Automall today!

The Art Of Sales New Jersey!

Posted on March 22, 2013 by Paul Sansone, Jr.

Photo Credit: tonersales.com

When you think of “sales” you probably think of someone who actually sells something whether it be shoes, medical equipment, carpet, or cars. However, the word “sales” in the business world can mean more than just selling a tangible object. Sales can also refer to selling an idea to your boss or selling your abilities to an interviewer. Whatever you are trying to sell, the most important aspect of a sale and the most important skill to perfect is closing the deal! According to the sales firm Richardson and founder Linda Richardson, there are some important skills to master in order to get the deal done. The following steps can help you close your next “deal.”

1. Think like a closer. According to Richardson, there are three aspect of a great closer: promptness, persistence, and focus. Try perfecting these characteristics.
2. Have an objective for every meeting you take. Always have an objective that you want to achieve for every meeting that you attend. This objective should also be specific, not vague. Examples include getting a list of the decision makers, getting a copy of your competitor’s proposal or asking your customer for their business.
3. Find out if your customer is ready to close. Look for clues and hints from your customer that it is the right time to close your business with them. During your meeting ask questions to understand your customers state of mind. These can include, “How does that sound?”, “How would that work?” or “What do you think about…?”
4. Close your deal with confidence. After you have completed the three above steps, you can close with your client by summarizing, making a final check and asking for their business.

By following the above steps you should be able to have a successful close. For more information visit www.inc.com. And to ensure leads and prospects for your business, you can also become a part of EZ Referral Network, the ultimate referral program New Jersey.

Wonder Woman Themed Kia Sportage New Jersey!

Posted on March 21, 2013 by Paul Sansone, Jr.

Photo Credit: msn.com

The latest installment in the collaboration between DC Entertainment and RIDES Magazine has come to life with the next super hero to join the team. Wonder Woman has joined the line up of the super hero Justice League inspired Kia’s, masquerading as the Kia Sportage. Wonder woman joins forces with the Optima Hybrid Superman, Optima Batman, Rio Hatch Aquaman, Forte Hatch Cyborg, Forte Koup Flash and the Soul Green Lantern.

The latest edition of Wonder Woman was built for charity to raise awareness for DC Entertainment’s “We Can Be Heroes” campaign. This campaign effort is meant to help fight and relieve hunger in the Horn of Africa. The Kia Sportage Wonder Woman made its debut at the New York International Auto Show, which takes place March 29 through April 7, 2013.

The Wonder Woman Kia Sportage is painted in red and blue with silver star accents, to resemble the super hero’s outfit. Gold trim also rims the vehicle to represent the gold Lasso of Truth that Wonder Woman’s also dons. The tiger nose grille of the Wonder Woman Sportage also features an eagle emblem, the same as the chest plate Wonder Woman also sports. To complete the outfit, you will find Wonder Woman’s tiara as a sticker on the top of the windshield. The headlights emit a blue beam, which match the color of Wonder Woman’s eyes, and chrome side panels symbolize her invisible jet. The wheels of Wonder Woman’s Kia Sportage also resemble the silver star accents. The interior of the super hero Sportage features red upholstery accented with blue LED lighting and Wonder Woman’s logo graces the custom seats. And the cargo area has stars and an eagle decorating its interior.

This isn’t the last of these vehicles, however. There is one more edition to the super hero themed Kia’s, a consolidation of all the previous super hero models. For more information on the Wonder Woman Kia Sportage, visit wot.motortrend.com. And if there are any similar modifications you would like to make to your Kia Sportage, visit your local New Jersey dealer, Sansone Jr’s 66 Automall, and stop into 66 MVP. We can modify your Kia Sportage to suit your favorite super hero today!