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April 12, 2016 • Page 16 shop online at www.missourivalleyshopper.com Get the best deal on an auto loan Thanks to the high costs of new automobiles, many drivers now take out loans when replacing their existing vehicles. Such loans make it possible for drivers to purchase new vehicles they may not have the cash to buy outright, and making The arrival of warmer weather means different things to different people. Some anticipate opportunities for outdoor fun, while others may be considering redecorating or remodeling their homes. For the latter group, home improvement season provides a great opportunity to make homes more eco-friendly. When planning home improvement projects, it’s best to first choose a project and then look for ways to make the project more environmentally friendly. Such an approach may not only benefit the environment, but it also may benefit homeowners’ bottom lines. Interior decorating Longer days and warmer temperatures often translate into wanting to freshen up the interior of a home. Heavy draperies and comforters are put away, and lighter fabrics are taken out of storage. car payments on time each month is a great way for consumers to build their credit. Drivers want to find great deals on their cars, but they also should make an effort to secure the most consumerfriendly auto loan they can find. Doing so can save drivers substantial amounts of money over the course of their loans, and finding a great deal is not as difficult as it may seem. • Go to your lender first and foremost. Loan shopping before car shopping, as opposed to relying on deal- ers to arrange the loan once you find a car you want, can help drivers secure better terms. By prequalifying for a loan, consumers can then go to the dealership knowing exactly how much they can spend, saving themselves time and easing nerves some buyers may have about the car-buying process. Prequalifying with a bank, credit union or online lender does not lock buyers into those terms, leaving them room to secure even better deals by asking the auto dealer to beat the terms of their existing financing deals. Be careful not to apply for too many loans when loan shopping, as each application will lower your credit score. • Clean up your credit. Creditors take many things into account when determining loan terms, but perhaps no variable is more important than an applicant’s own How to make spring projects more eco-friendly Whenever possible, reuse or repurpose items you already have rather than purchasing new items. Longer drapes can be cut and hemmed to be used as window treatments in other rooms. Making a patchwork blanket out of old T-shirts is a crafty project that makes use of items that would otherwise be destined for landfills. When laundering linens, skip the energy-using dryer and let items line dry in the sun and fresh air. If you decide to purchase some new items, look for products made from sustainable or organic fabrics. Hemp and bamboo textiles have grown in popularity. Hemp and bamboo plants grow quickly, and their durability makes these materials smart choices. When replacing items around the house, donate older items to a charitable organization. Mon-Fri 7:30am-6pm • Sat 8am-2pm We’re more than just Auto Parts! Flowers and plants Spring and summer call to mind beautiful blooming plants. Relying on native, sustainable plants is practical, environmentally friendly and cost-effective. According to the National Wildlife Federation, sustainable plants are native plants. Native plants sustain local wildlife more effectively than non-native alternatives, so include native plants in your sustainable garden. Native plants also are less reliant on pesticides and herbicides BEAUTIFUL to keep them healthy and viable. Don’t forget to bring plants indoors as well. Even though you may be opening the windows more, indoor plants can filter and purify indoor air. The NASA Clean Air Study, led in association with the Associated Landscape Contractors of America, found that certain common indoor plants naturally remove toxic agents such as benzene, formaldehyde and trichloroethylene from the air. Efficient air cleaning is COMFORTABLE 1509 E. Hwy 50 • Yankton, SD 605-665-3693 • 800-658-3388 www.sturdevants.com ? INSULATED SIDING REFLECTIVE ATTIC INSULATION Get Preapproved for Easy Financing @ Certified Technicians | Unibody & Frame Repair | Paintless Dent Repair Glass Installation | Guaranteed Color Matching Tractor & Semi Repair | Free Estimates | Free Loaner Vehicles Satisfaction Guaranteed www.WindowWorldnen.com Free In-Home Estimates 1-800-232-6023 1504 N 1st St. Norfolk 402-379-2042 Visit our Showrooms: Sioux City 1303 Zenith Dr. 1-712-276-5588 3220 17th St. Columbus 402-564-8290 Roofing • Siding • Insulation Co. LLC Residential & Commercial Roofing • Siding • Insulation Replacement Windows Storm Windows Storm Doors • Primary Doors Awnings • Gutters 2005 East 4th St • Sioux City, IA (712) 277-3981 by appt. only The Flue Doctors We Work With All Insurance Companies w w w. 8 0 0 K i l B u g S . c o m Olson’s uses Pestpro Thermal heating systems for Bedbugs 665-7670 - East Hwy. 50, Yankton Proper disposal Spring cleaning is another tradition for many families come the end of winter and dawn of spring. Many people use spring as a time to go through closets and garages to remove items they no longer use or need. In an effort to clean up fast, some people may dispose of chemical products, paints, treated lumber, and many other items in ways that can be damaging to the environment. Always learn local municipal guidelines for proper disposal of potentially harmful products. Area recycling centers may have drop-off areas for stains and paints, used motor oil and other potentially harmful products. Before discarding something, see if it can be donated or sold. This will result in fewer items ending up in landfills. Exercise caution outdoors as well. Runoff from cleaning products used on home siding or driveways can leach into the surrounding soil or find its way into sewage drains that ultimately direct fluids to public waterways. Choose environmentally responsible products whenever possible. Springtime renovation and cleaning projects provide the perfect opportunity to adopt eco-friendly practices that pay dividends for years to come.... WINDOWS Hit By A Deer? Get complete auto repair you can trust, and we will make your vehicle look like new! accomplished with at least one plant per 100 square feet of home or office space. • Know the terms of the loan before you drive off the lot. Some financing terms may be classified as Òcontingent, which means the terms can change even after drivers take cars off the lot. That may mean higher interest rates or lengthier loans, which can cost drivers considerably more money in the long run. Drivers can avoid that fate by waiting until the terms have been finalized to accept the car and take it home. Auto loans make it possible for millions of drivers to purchase new and reliable automobiles. Savvy borrowers who take the time to secure the best loan terms can save themselves substantial amounts of money and still drive the cars of their dreams. ENERGY EFFICIENT DOORS Steve and Travis Pokorney, Owners credit history. If your credit history is bumpy or you are currently carrying substantial debt, pay off as much of your debt as possible before applying for an auto loan. Even if your credit history is not great, you may be in line for better loan terms if you have paid off your consumer debt and recently indicated you are capable of making monthly payments for an extended period of time. • Comparison shop. Lenders compete with one another, and consumers can use that to secure the best possible loan terms. If one lender gives you loan terms that you find attractive, resist the temptation to sign on the dotted line right away. Sleeping on it and taking the terms to the lender’s competitors or even auto dealers may ultimately result in you landing even better terms. S e rv i n g a l l o f S o u t h Da ko ta Fireplaces and wood burning stoves were responsible for some 23,600 residential fires. Certified Chimney Sweeps PR Olson Chimney Sweeps Dryer Exhaust Technicians Call for an appointment today! • 665-5181 | 1-800-545-2847
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