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Too often when it comes to auto-leasing, people get so dazzled by the

myriad terms and the jargon thrown their way that they end-up paying

through the nose, relying on a dealer’s “help” than their own informed

decision.

Here is a look at some of the tricks dealers use to pad their profits and

leave the customers shelling hundreds of dollars more than the deal should

be worth.

Trick 1: Leasing always a better deal than buying

Dealers use the lure of lower-monthly payments to entice customers to sign

for long-term loans, with terms stretching for five years or more, making

the payments even lower. There are two catches with such lengthy contracts:

higher mileage, exceeding the prescribed limit, and hefty repair costs.

With

leases charging on average 10 to 20 cents a mile for any extra mile over

the agreed amount in the contract, and warranties only covering three

years, you leave yourself wide open for hefty charges for excessive

mileage and wear and tear.

Trick 2: Cheap 2-3% APR rate on your lease

The dealer is not quoting the interest rate you would be paying on your

lease; he’s rather giving you the lease money factor. Whilst similar to an

interest rate and important in determining your monthly payment, a more

accurate rate is calculated by multiplying the money factor by 24. For

example a “cheap” 3% money factor is 24 X 0.003 = 7.2%. This gives you a

better sense of what your annual interest rate on your lease contract is.

Trick 3: Stress-free early lease termination

Dealers know consumer driving needs change and they would like to have the

option of getting out of a lease commitment sometime down the road, before

their lease ends. Truth of the matter is, when you sign for a lease, you

are effectively saddled with monthly payments for the remainder of the

lease term and there is little-choice of getting out early. Lease contracts

carry hefty financial penalties for either defaulting on monthly payments

or terminating the lease earlier than the scheduled term.

To avoid being on the receiving end of such tried-and-true tricks, educate

yourself about leasing. Get down to the nitty-gritty and understand what

the leasing terms used by dealers mean. Crunch the numbers along with him

and understand how they arrived at the monthly payment figure. Don’t sign

anything until you’ve understood all the terms and your numbers much those

of the dealer. Do not let the dealer pressure you into signing; you are the

one to determine whether the agreement is right for you.

Every time that you have a new technology it requires you to learn how to use it. However, this can sometimes be extremely difficult, especially when there aren't very many resources to help you learn new techniques. A great example of this is with the new Apple iPhone. When you first purchase an iPhone, than you have probably spent many hours getting familiar with the various technologies that are inside this amazing cell phone, however, there are some tips that aren't learned by simply playing around with the phone. In order to learn about these tips, than you must first learn them, and one of the best tips concerns the keyboard.

When you have such a unique feature as the touch screen keyboard, than there are several tips that you must know in order to keep your messages flowing. When you follow these tips than you will be able to type quicker and error free, as well as being able to type easier than ever before. The first of these tips concerns actually typing the letters into the iPhone. When you want to enter a letter, you tap on it; however, the letter isn't placed onto the screen until you lift your finger off of it.

Thus, if you touch the wrong key than you can simply fix this error by sliding your finger to the correct letter. Then when you have found the right letter or number, you can lift your finger and the letter will be placed onto the screen. This tip helps fix the majority of errors, and will save you time.

Many people have found that the auto-correction feature within the keyboard is a great way to keep your writing clear and easy. However, it is very easy to accept a word that you didn't want to type. If you want to steer clear from this confusion than you need to learn how to accept and reject a suggested word. When you want to accept a word than you will want to tap either return, space or tap a punctuation mark. However, if you want to reject a suggested word, than you will simply want to finish typing the word you want and then you will have to tap the completed word.

A reminder, if you write a full word out two different times, and then tap on them both times, the iPhone will actually add the word to its dictionary. It takes a couple of weeks to store all of your most used words into the dictionary, however, once you have done this typing on your iPhone will be extremely fast.

The last tip has to deal with the capitalization of words. If you want to capitalize the first letter of a word, you simply tap the shift key and then tap the letter you want capitalized, but what happens when you want to capitalize the entire word? This is very easy, and doesn't require you to tap the shift key before each letter. You will want to go to settings and then tap general after that tap keyboard. From there you will tap "Enable Caps Lock," and then when you double tap the shift key it will light up blue, and now you will be able to type in all caps.