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Tag Archive | "Wells Fargo"

Hot tips to avoid buying a hot vehicle


 (c) puhhha - Fotolia.com

(c) puhhha – Fotolia.com

(StatePoint) As more consumers turn to online sites and social media to find deals on used cars from private party sellers, experts warn that buyers should beware.

“Private sellers often offer some of the best deals available on used cars, but these transactions may also bear a certain amount of risk,” says John Rasmussen, Wells Fargo’s head of Personal Lending Group.

Over 707,000 motor vehicles were reported stolen in the United States in 2015, according to the FBI, a 3.1 percent rise over 2014. A portion of these vehicles are resold to consumers like you, which can mean problems down the line.

Consumers who buy a stolen car run the risk of the vehicle impoundment and troubles with the insurance agency should the car be involved in an accident. You may also find it virtually impossible to get your money back on the purchase.

To avoid this fate, Wells Fargo Direct Auto loan experts are sharing some smart tips.

  • Know your vehicle. This means doing more than just a test drive. Find out the vehicle history by using online resources like Carfax. Have a mechanic look at the vehicle.
  • Know the seller. Do your best to make sure the seller is who they say they are and that their name appears on the title and paperwork. Any person trying to sell a car on behalf of someone else is a red flag.
  • Know your options. Is the seller requiring that you pay cash? Be wary. That is a red flag, too.
  • Know the paperwork. Car thieves often replace the Vehicle Identification Number (VIN) from the stolen car with one that belongs to a legally registered vehicle. This process, which is known as “VIN cloning” or “retagging,” allows car thieves to cover up the car’s true history and forge title documents. Be sure to check that all the VINs located throughout the car (dashboard, driver door, under the hood) match each other and the paperwork.

No matter where you buy your car or from whom, be sure you understand the ins and outs of your payment plan. If you are getting an auto loan from a bank, familiarize yourself with its terms before signing. You can learn more by visiting wellsfargo.com/auto-loans.

Ask questions and do your research. Being a savvy car shopper can help you avoid the risks associated with buying from a private seller.

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Living Unafraid


By Ronnie McBrayer

By Ronnie McBrayer

In the late 1800s, an outlaw began burglarizing the Wells Fargo stage coach line. The bandit would wait in a narrow pass, and at just the right moment, would emerge dressed in black, a hood over his head and brandishing a double-barreled shotgun. To match his appearance, he had a deep baritone voice that caused his victims to melt with fear. This terrifying gentleman bandit was nicknamed “Black Bart.”

Wells Fargo finally arrested him in an extravagant apartment in San Francisco. When they removed his dark, menacing hood, Black Bart was not seven feet tall, like some of the witnesses had claimed. He was not young and rugged. He wasn’t a bloodthirsty bandit.

He was Charles Boles, a handsome, well-educated, sixty-year-old clerk too timid to ride a horse or load his gun. Black Bart used the most effective and crippling weapon in his arsenal: Fear. But when unmasked, he was nothing people said he was. He was just an unarmed, deep, shadowy voice in a dark empty suit.

I’m not naive; the world around us is dangerous. Yet, the living Christ has shown this world for what it is: Powerless against those who are in him. This doesn’t mean the world will not hurt us. It does not mean that some of the things we fear won’t take place. It simply means that nothing in this world can finally or completely destroy us.

Imagine that your life is a chess match or a football game, if you like. There comes a point in any such game, as C.S. Lewis pointed out, where the decisive move is made. Yes, the game continues, but it might as well be over, as the final outcome has been determined.

The decisive move in God’s universe came at the cross and resurrection of Jesus. Yes, life goes on. We struggle. We suffer. We wrestle with our phobias and try to keep our fears at bay. But we have hope—not fantasies that the world isn’t the way it actually is—but assurance that Christ has overcome the world, leaving so much that would terrify us as an empty threat.

In these perilous times, we do not have to lose our heads. The power we have been given and the love we have been shown flows from the Providence who is larger than our fears, and when we live in Him, we can live unafraid.

Ronnie McBrayer is a syndicated columnist, blogger, pastor, and author of multiple books. Visit his website at www.ronniemcbrayer.net.

 

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