What to consider before buying a boat –

Boats in Fredericton | Blog | Wheels & Deals

What size boat do you need?

There are different factors to think about when deciding on how big you’d like your boat to be. This includes:

New Brunswick is, overall, a great place for boat owners and Fredericton is no exception. Have you considered purchasing a small boat of your own? If you’ve been fantasizing about being able to set sail whenever you like, you may be ready to buy a boat. Here are some things to consider before purchasing your own pleasure craft.

What size boat do you need?

There are different factors to think about when deciding on how big you’d like your boat to be. This includes:

·       Where you’ll use it. A boat that stays on a lake or river tends to be smaller than one used to take long sea voyages.

·       How long you’ll be aboard. Will you be using your boat for short pleasure rides or are you looking for something that you can live on for extended periods of time?

·       The number of people aboard. If you plan on taking intimate fishing trips, a small boat will suit your purposes. However, if you like to socialize, you’ll value a large deck for throwing parties.

Where you’ll store it

Some people choose to permanently dock their boats at a marina. Others prefer to tow theirs on a trailer. The latter option has the added advantage of allowing you to tow your boat to different waterways around the province and country.

If you don’t dock your boat at a marina, you’ll also need to think about where it’ll go during the winter. Is your garage at home big enough or do you need to rent a storage space?

Your budget

The cost of your boat doesn’t end at the purchase price. There are many additional expenses involved with boat ownership including:

·       Insurance

·       Safety equipment

·       Optional but fun accessories

·       Maintenance and repairs

·       Storage costs

·       Gas prices

Since these expenses vary from boat to boat, make sure you research the costs involved.

Do you need a licence?

All boaters in Canada, no matter their age or level of experience, are required to have a boating licence also called a Pleasure Craft Operator Card. Keep this and a photo identification card with you at all times while piloting your boat. If you’re caught without it, you can be fined $250.

Buying a boat in Fredericton

Buying a boat from a car dealer like Jim Gilbert’s Wheels and Deals ensures that you’ll get a vessel that meets your needs. Stop by our Fredericton dealership today to see our selection of boats.

What Used Cars could still be running strong after ten years????

Here is a list of 20 Used Vehicles that could possibly out last you!!!  our roads??? maybe…

Buying used vehicles can be a smart move for many car buyers. It saves money, and doesn’t always mean that the car won’t last as long as new. Most used vehicles that are only a few years old and have low mileage on them will last just as long as a brand new model.  Used car buyers are looking for good value for their money, and that’s exactly what used cars offer. They can last a long time without having to fork over mountains of cash for them.

TOP 20 USED VEHICLES WITH A GREAT SHELF LIFE … 

  coming in at number

ACCORDING TO HOTCARS – JOEY MERZ  “MOTOR HUB”

#20… is the smooth riding with a massive trunk that can easily fit any amount of groceries for your family.  “Ford Taurus”

# 19…  Police used these cars for many years, and even to this day officers still say they were the best patrol cars they’ve ever driven.

 “Crown Victoria”

#18… One of the most trusted brands in the car industry…  brought to North America in the early 1990s. 

“Lexus ES 350”

#17… They hold their value well and have what is arguably the best 4-wheel drive system in the car industry.

 “Subaru Legacy”

#16… Churning  these out for over a decade, their reliability is proven by the sheer number of older body styles still on the road today. 

“Mazda 3”

#15… One of the most purchased vehicles in North America. Known for its dependability, these have been a staple in the truck world for many decades.

 “Chevrolet Silverado”

#14…  One of the brands that seem to make cars that simply run forever. No matter what happens to the vehicle, it starts and will drive you across the country.

 “ Honda CRV”

#13 … They tend to hold their value more than other brands, so finding them used and cheap is extremely difficult

 “Lexus RX 350”

#12… While they aren’t the most attractive looking vehicles, their practicality cannot be questionedIf someone is looking for a SUV that can do it all.

 “Toyota 4Runner”

#11… Extremely reliable, excellent gas mileage, good interiors, refined rides, and just run forever. They’re the ideal small used car.

 “Toyota Corolla”

#10 … The best-selling truck in North America, for 40 years – Dependable and reliable. 

“Ford F-150”

# 9… Not at the top when it came to styling or interior quality until recently. But their reliability will never be questioned in the automotive industry

 “Honda Civic”

#8 … Having somewhat of an enthusiast following, their sportier looks and feel, they’re well engineered and have good reliability records.

 “Acura TL”

# 7… The reliability can never be questioned on these, as they’ve been on the road for decades. Probably on of the most reliable full-sized cars ever.

 “Chevrolet Impala”

# 6… One of the best-selling sedans in North America for years now, and there’s good reason for that. They have sporty looks, sporty handling, a comfortable ride, great gas mileage, and a reputation for being driven. Peter Wyman will agree with this pick..

 “Honda Accord”

# 5… initially they were not a great vehicle to drive or own but now they are one of the best driving sedans in the class with the best warranty

 “Kia Optima’. 

# 4… They have good power, a comfortable ride, modern looking interiors and decent gas mileage , considering what’s under the hood. There really isn’t too much holding it back from being a 4-door sports car. 

 “Nissan Maxima”

# 3… This one would win the award for most practical car in its segment. With the wagon body style, the storage space is expanded greatly.

 “Subaru Outback”

# 2 The bestselling car in North America. That’s really all that needs to be said about it. 

“Toyota Camry”

# 1… A surprise to me!!! Somewhat in a different league then the F-150 or the Silverado. But It also comes with Toyotas proven reliability ratings. 

“Toyota Tundra”

Used Car Fredericton | Blog | Wheels & Deals

5 benefits of buying a used car

When you’re looking for a car, you have a lot of choices to make. Not only do you have to choose the make and model of the vehicle, you also have to decide whether to buy it new or used. Some people head to the nearest car dealership, tempted by the prospect of being the first to drive a car and swayed by advertisements of low interest rates. 

However, if you want to make the most of your budget, you’d be wise to buy a used car. Here are five benefits to doing so. 

1.   Used cars hold their value

A new car loses as much as 30% of its value in the first year. This means that if you buy a brand new car today, in a year or two, it won’t be worth anything close to what you paid. 

2.   It’ll cost less

Used cars are thousands of dollars less than brand new ones. If this is your first car or you’re on a budget, pre-owned is the only way to go. Paying less for a car translates to lower sales tax and you’ll save money on insurance too.

3.   You’ll pay less interest if you’re financing

New car dealers try to hook their clients with low interest rates, but these aren’t always as good as they seem. A slightly higher interest rate on a less expensive car will cost you less in the long run if you’re planning on financing the purchase.

4.   You’ll get a better car

Not many people can afford to buy a brand new luxury car with all the bells and whistles. But the same car that’s a few years old can be surprisingly affordable. If extras like navigation systems, backup cameras and leather seats are important to you, you’ll get them at a lower price when you buy used. 

5.   Used cars are reliable

Cars are built to drive at least 160,000 kilometres. This means that even a used car will run for many years. And when you buy a vehicle from us, it’s undergone a full motor-vehicle inspection, has new oil and filters and had all its fluids topped up. This translates to a car that you can trust.

A used car dealer in Fredericton with a large selection of vehicles

If you’re in the market for a used car, visit us at Jim Gilbert’s Wheels and Deals. We’ve got the best selection of cars, vans, trucks and SUVs in Fredericton. Call us today at (506) 459-6832 or drop by the dealership to see what we have to offer. 

Copied from Wheels and Deals Blog

Win Your Very Own Dangerous Shirt (Jeff Alpaugh) from Jim Gilbert’s Wheels and Deals

How Does “Huggable” Become “Dangerous”?

That’s what happens when two of Canada’s most forward-thinking, most inventive, disruptive and creative business minds get together and decide to shake things up and let you in on all the fun. 

AND IT ALL STARTS WITH HOW CREATIVE YOU WANT TO GET WITH A SELFIE.

Dangerous Huggable  Shirt Winner Amanda McNeil
Our Latest Winner  Amanda McNeil posing with her Huggable 2019 Mazda CX-3

THAT’S RIGHT.

A selfie. 

THE MORE CREATIVE THE BETTER AND YOU WIND UP FEELING A LITTLE MORE “DANGEROUS” AND BEING PART OF SOME “HUGGABLE” ON-LINE MAGIC.

Pose with your Huggable Boat
Cade Somers
Pose with your Mom’s Mule

Pose with you Daddy’s  Truck Truck 

THE LEGENDARY JIM GILBERT, CANADA’S HUGGABLE CAR DEALER IS TEAMING UP WITH JEFF ALPAUGH CUSTOM – “HOME OF THE WORLD’S MOST DANGEROUS DRESS SHIRTS” TO GIVE YOU THE OPPORTUNITY TO BE AT YOUR MOST CREATIVE, EXPRESSIVE SELF AND WIN YOUR OWN HIGHLY PRIZED AND MUCH SOUGHT AFTER DANGEROUSLY HUGGABLE CUSTOM SHIRT. 

Pose With Your Huggable Teryx… Patrick F.
Cade Somers
Pose with Your Friends/Get Married
Pose at Home with your Huggable truck

It really is as simple as smiling for the camera and clicking a selfie that best describes how you really feel about your Huggable Car, SUV, Truck, Mini-van, Kawasaki, Pontoon Boat, Speed Boat, Mercury Motor and any other product that sports a Wheels & Deals logo. And be as “Dangerous” as you want to be with this selfie. If you want to bring Uncle Charlie, Aunt Martha or a relative you haven’t spoken to in years, that’s OK with us. If you want to pose alongside your favorite pet or visual prop of any kind feel free to let your Freddy Beach freak flag fly!

Pose with your Huggable SUV
Cade Somers
Pose with Your Kawasaki Motorcycle
Pose on  the Trails

At the end of each month, our expert panel of on-line Hug Hunters will select a winner from all the entries. Imagine how it will feel to be treated like royalty and be custom fitted for your very own custom-made 

Dangerously Huggable Shirt;  valued at $189.00

compliments of Jeff Alpaugh Custom and Canada’s Huggable Car & Powersports Dealer.

Cade Somers is glad he did “Winner”
Cade Somers
Pose with your Brute Force

Donnie is glad he did “Winner”

THIS PHOTO COMPETITION IS FOR ALL THE GREAT HUGGABLE CUSTOMERS WHO ARE FEELING THE ITCH TO BE A LITTLE MORE DANGEROUS!

GO TO JIM GILBERT’S FACEBOOK PAGE OR JUST POSE, CLICK AND SHARE AND TAG

POST YOUR SELFIE ON INSTAGRAM OR FACEBOOK AND TAG/SHARE WITH JIM GILBERT AND JEFF ALPAUGH SO THAT THEY CAN SEE AND SHARE THE RESULTS OF YOUR CREATIVITY….. AND JUST HOW DANGEROUS YOU ARE PREPARED TO BE! 

ABOUT JEFF ALPAUGHWHO EVER SAID BUSINESS ATTIRE HAD TO BE BLAND, BORING AND STODGY? THIS FREDERICTON-BASED FASHIONISTA IS CHANGING THE WAY MODERN SOCIETY VIEWS TRADITIONAL WORK ATTIRE AND IS SUGGESTING WE START DRESSING A LITTLE MORE DANGEROUSLY. FROM FIERY FUCHSIAS TO BOLD BLUES AND EYE-POPPING PINKS AND PURPLES, THE FOUNDER OF JEFF ALPAUGH CUSTOM ALONG WITH CO-OWNER EMILEE BOYCHUK, IS BRINGING HIS OWN FLAIR TO THE CLOTHING INDUSTRY WITH THE “WORLD’S MOST DANGEROUS DRESS SHIRTS.”DARING, DEADLY AND EXTRA CRISP THERE’S A REASON THESE CUSTOMIZABLE, TAILORED-TO-FIT DRESS SHIRTS ARE FLYING OFF THE RACK. “WHATEVER PEOPLE DREAM UP WE ALLOW THEM TO DO AND THAT WAY THEY’VE CREATED THE SHIRT THEMSELVES,” SAYS JEFF ALPAUGH AS HE SPEAKS ABOUT THE CREATIVE PROCESS. JEFF ALPAUGH CUSTOM CURRENTLY HAS A CLIENTELE THAT RANGES FROM HAWAII TO HELSINKI AND HALIFAX; WITH OVER 2,000 BUYERS IN MORE THAN 200 CITIES AND 20 DIFFERENT COUNTRIES. STARTING WITH PART-TIME GIGS AT MOORE’S AND HARRY ROSEN, JEFF WORKED HIS WAY UP THE FASHION LADDER AND CREATED A NAME FOR HIMSELF AS BEING AN EPIC SALESMAN, SUIT EDUCATOR AND CREATOR OF ONE OF CANADA’S FASTEST-GROWING SMALL BUSINESS BRANDS. HE ALSO HAPPENS TO BE A FORMER INFANTRYMAN, A NEW FATHER AND AN ALL-ROUND SWELL GUY.

ABOUT JIM GILBERTTHE NUMBERS REALLY DO SAY IT ALL.40 YEARS IN BUSINESS. MORE THAN 20,000 CUSTOMERS.MORE THAN 1,000,000 HUGS!IN 1979, JIM AND DAWNA GILBERT CREATED WHEELS & DEALS WITH SIMPLE IDEA:DREAM BIG. BE DIFFERENT AND TAKE CARE OF PEOPLE.STARTING WITH ONE CAR, 2 GAS PUMPS AND A LOAN FROM DAWNA’S FATHER, LORNE SEELEY, IT SEEMS 40 YEARS FLEW BY IN A HURRY, BUT NOW JIM AND DAWNA ARE READY TO CELEBRATE A NEW MILESTONE AND LOOK FORWARD TO THE FUTURE WITH THE GRAND OPENING OF A BRAND SPANKING NEW POWER SPORTS CENTRE.THEY HAD NO IDEA WHEN THEY BEGAN THEIR JOURNEY IN THE LATE SEVENTIES THAT IT WOULD TURN OUT THIS WAY. BUT, THE MORE THEY WORKED THEIR DREAM, THE MORE IT BECAME A NEW REALITY; EVENTUALLY BECOMING KNOWN THE WORLD OVER AS CANADA’S HUGGABLE CAR DEALER. AND THE MORE THE BUSINESS GREW, THE MORE JIM AND DAWNA LEARNED THE VALUE OF BEING ABLE TO PIVOT, CHANGE AND ADAPT. NEVER STANDING STILL, THE GILBERTS KNOW BUSINESSES OF TOMORROW MUST CONSTANTLY BE DIFFERENTIATING THEMSELVES; DISRUPTING, RE-INVENTING AND RE-FINING … BUT, ALWAYS EMBRACING AND LIVING DAILY VALUES SUCH AS CREATING ENCHANTMENT AND THE EXTRA SPECIAL TOUCH THEY CALL “HUGGING”.IN THE GILBERT’S WORLD; THE HUG IS A METAPHOR FOR GOING THE EXTRA-MILE, THE LITTLE EXTRAS THAT MAKE ANY CUSTOMER FEEL THEY’RE RIGHT AT HOME … A PLACE WHERE THEY READILY RECOMMEND AND SEND THEIR FAMILY AND FRIENDS…A PLACE WHERE LEAVE WITH A TEDDY BEAR, A SMILE AND PROUD TO SAY, “THIS IS WHERE I BUY MY VEHICLES.”IT’S ABOUT FOSTERING A FAMILY MENTALITY AMONG CUSTOMERS, TEAM MEMBERS AND EVERYONE IN THE COMMUNITY WE TOUCH – ON-LINE OR OFF. YOU CAN SEE IT IN THEIR SMILES…THE LOOKS ON THEIR FACES AND THE POSITIVE COMMENTS THEY SHARE THROUGH SOCIAL MEDIA. WHILE SO MANY OTHERS IN THEIR INDUSTRY TEND TO ZIG, THE GILBERTS LOOK FOR NEW WAYS TO ZAG. AND NOW, FOUR DECADES LATER, THAT FAMILY TRADITION CONTINUES WITH THE NEXT GENERATION OF GILBERTS AT THE HELM BELIEVING YOU CANNOT GROW IF YOU ARE NOT WILLING CHANGE. IN ORDER TO GROW THE SHOW AND KEEP THE FLOW, THE GILBERT FAMILY KNEW DIVERSIFICATION WAS NEEDED. EARLY IN 2018 THEY EXPANDED THEIR OFFERINGS AND BECAME “CANADA’S HUGGABLE TOY DEALER”. KAWASAKI MOTORCYCLES, WHEELERS AND JET SKIS. BENNINGTON AND CRESTLINER PONTOON BOATS ALONG WITH MERCURY OUTBOARD MOTORS. IN KEEPING WITH THE GILBERT FAMILY PHILOSOPHY OF NOT RESTING ON THEIR LAURELS, THE BUSINESS HAS BECOME A $40 MILLION-DOLLAR ENTERPRISE WITH THIRTY-EIGHT EAGER TEAM MEMBERS ALL WORKING WITH A SMILE AND A VISION OF TOMORROW. AND NO ONE IS MORE PROUD THAN JIM AND DAWNA AS THEY WATCH DAUGHTER CHELSEA, SON ALEX AND SON-IN-LAW ROB DAVIS NOW LEADING THE CHARGE WITH MORE OFFERINGS, MORE SMILES, MORE HUGGING AND A 12,000 SQUARE FOOT EXPANSION WELL UNDERWAY. GUESS YOU COULD SAY, THAT’S THE HUGGABLE WAY!

A Special Shout Out and Thank you to my Best Friend Gair Maxwell for filling my head    

with “YOU CAN”  instead of “you can’t” 

or our favourite 

“Together We are  Inventing Tomorrow Today”

Gair Maxwell’s riveting keynote presentations are packed with high energy, loud music, and counterintuitive concepts, allowing attendees to benefit from his many decades of ‘in-the-trenches‘ business experience.  Scores of event planners rave about his gift for simplifying complex ideas, transforming them into easily digestible bites that any audience can implement right away.

Be Irresistible. Find Your Legend. 

GAIR AND JIM Speaking at GREEN BAY WISCONSIN..

Yes the Home of the Packers

0% interest does it cost more or less, why buying Nused may just help you out of the debt Spiral

Seth VanHorne:Hey, folks. Seth VanHorne here at Wheels and Deals, and today I’m going to share with you a few reasons why buying a used vehicle is a great option over buying new. Canada’s Huggable Car & PowerSports Dealer

The first reason is according to Edmunds car research, a new vehicle suffers a depreciation rate of about 22% in the first year. Because my nearly-new vehicles have already suffered that great rate of depreciation, the depreciation rate flattens out, which means when it comes time for used car buyers to trade their vehicles in or to sell it privately, they suffer a much lesser loss than if they had a new vehicle. 

www.wheelsanddeals.ca
www.wheelsanddeals.ca

Another reason is many people believe they’re going to save thousands of dollars taking advantage of manufacturer’s low interest rates, however these low interest rates are usually an illusion just to take your eyes off the larger price. With my nearly-new vehicles, you’re going to be on the hook to the bank for a much lower financial obligation.

Another reason to buy used, if a customer has had some credit hiccups in the past, and let’s be honest in this day and age that’s quite common, most manufacturers won’t have a payment option for credit-challenged customers. I specialize in helping these customers get into a newer vehicle at a reasonable payment, so to get them out of that dreaded spiral of debt. 

www.wheelsanddeals.ca
www.wheelsanddeals.ca

The last reason I’m going to share with you on why buying used is a great idea is because of the decreased price in my vehicles. You can use that extra money to get yourself into a more expensive vehicle or a higher trim level of vehicle you want. You can also use that money to register an extended warranty, which usually far exceeds what the manufacturer’s warranty is.

These are just a few of the reasons why buying used is a great option over buying new, and I look forward to helping new customers in the future, and I always love to see my current customers come back for their next vehicle. If you have any questions regarding buying vehicles or financing, give me a call, 506-238-3955. Or stop in at visit me at 402 St. Marys Street in Fredericton, New Brunswick. See you soon, guys. Make Seth VanHorne Your Car Guy .     

Free No Commitment Pre-Approvals 

www.wheelsanddeals.ca
Make Seth VanHorne Your Car Guy

First time buyers information

Emma’s situation

First time buyer fresh out school, Emma needs a car and Emma wants to get a loan. How does Emma get financed?

What does Emma do? What does Emma need to know? Where does Emma turn for advice? Is her dream car possible?

Happy car buyer

Emma has just completed her College Education and has landed herself a full time position in a well established Dental Office which means she’s ready to sign the line on one of the biggest purchases in her life this far, but where does she begin, what are her car buying options?

A new car loan, large monthly payment and heavy debt? A cheap cash vehicle that may leave her stranded? Or a low kilometre used car with full warranty that Emma can afford and owe a lot less!

Emma’s Options

Emma’s two options were both heavily weighed. Buying a used car off Kijiji seemed to be the cheapest route at first until she was educated in just how simple & mind easing it would be to buy from the right trusted dealer. She learned that she could buy a used car with low payments that fit her budget & have no worries of repairs or breakdown costs due to warranty on the vehicle.

“At first, I had an impression in my head of a car salesman, one who only wants to see money in their pocket and doesn’t truly care what kind of situation this purchase would put me in for the long haul. I was proven to be wrong once I sat and spoke with the right one.”

Bought used vehicle

Emma Knew

Emma knew all to well that buying the “too good to be true” vehicle privately, could only cause her more grief and money lost. In the end, by taking the chance on a car that is not road worthy in a few months and still having to pay for. But what was her credit score and how was she to go about finding out?

While buying almost new from The Huggable Car Dealer Emma was educated first and foremost on her credit rating and had the options of extended warranty, GAP, & Walkaway. Life happens & it normally throws the punches when we are least expecting them and least prepared. Now knowing this, she decided she wanted to be as protected as possible so she felt secure in whatever comes her way.

 

Divorce does not have to Hurt your Credit

Divorce does not have to be a  catalyst for landing an ex-couple’s credit scores in the toilet. Yes, it can seem overwhelming but our skilled Finance Team Managers Rapid Discrete Financing can help you secure low rate financing even if you are low on funds and need to buy a good safe car.

Even for those with severely damaged credit or no credit, period, all hope is not lost, says Jim Gilbert. Even if your credit is wrecked in the divorce, you still have options for financing a car,” says Jim” People with damaged credit or no credit will get the benefit of doubt with Rapid Pre-Approval at Wheels and Deals  auto financing.”

Approved copy.jpeg

In a divorce, any joint debt held by both spouses continues to be reported on both credit reports until the note is retired or one party’s name is removed from the contract, “says  Jim ” If you still have a joint auto loan on the vehicle your ex is keeping and supposed to be paying, that car payment affects your credit score and could affect your lender’s evaluation of your ability to take on another car payment,” he explains.

Consider working with your ex to remove your name from any outstanding debt, and the title to any vehicle you are attached to but no longer own. This will protect your credit score from your ex’s late or missed payments in the future.  Any negative history will impact your credit score for up to seven years. But if you understand the details of your credit history . Our properly trained financial services managers, can pull and review your credit history with you and be  able to make a stronger case for your qualifications as a borrower.

If you face a low credit score and an unreliable recent income history, it’s time to get down to business. Here’s a plan of attack for landing an auto loan with affordable terms:

Get Pre-Approved
Jim says try us  first Rapid Discrete Pre-Approvals   and give us the day to work for you and get you financed because in the event you shop  multiple dealers, each will create an inquiry on your credit report, which can impact your score.

Be a Loyal Customer
“Wheels and Deals can get you the lowest rate because it is less expensive for us sell to a loyal customer than to find a new one. Plus the banks love our high sales volumes which also lower your interest rates. You are a winner at Wheels and Deals.

Prove Your Income
Credit history aside, surprisingly most of the time our Finance Team at Wheels and Deals  Rapid Discrete Financing  can have your income verification waived.  Jim says. In nearly every divorce, each person’s income is lower than when they were a married couple. So this works in your favour to..

That said, income is income, and if you now receive spousal or child support, or recently landed a part-time job, the lender must consider it all equally.

Tell Your Story
Electronically generated credit scores are not the only factor in lending decisions. Humans have a say, too. “Tell us your story of what happened,” Jim says. “Let us help  prove that you have always been responsible and explain your recent change in credit history, that can go a long way.” Ps (We know what works)

By showing your credit and income history; records of consistent, on-time payments; and bank and loan documents proving a stable work history, it is easier to prove that your recent change in family status is indeed a temporary challenge.

Consider a Co-Signer
A solid last resort is to find a credit-worthy co-signer who is willing to help out. This person should have a stable history of credit, income and residence, as well as proof of the ability to cover the loan in the event you lapse. Immediate relatives — especially those who live nearby — are the most attractive to lenders, Jones says.

Do Not Despair
In most cases, people with no credit or poor credit do find reasonable financing for a car at Canada’s Huggable Car Dealer ( Lenders love us and our customers) . If you need to accept a loan with a high interest rate, you can always refinance or buy another vehicle under better terms in a few years when you are back on your feet and your credit has improved.

“I’ve seen people go from qualifying for terms of 16 percent APR to 4 percent APR in two years,” Jim says. Again, sticking with us,  Wheels and Deals during this transition period can better your chances of graduating into more attractive terms.

And remember: The negative impact of divorce, like most things in life, does not have to last forever. In fact, the Credit.com survey found that 37 percent of respondents saw their credit score improve post-divorce.

Ask the Professional, What questions should I ask before buying a vhicle?

Ask the Professional as read in the Fredericton Daily Gleaner, Jim Gilbert President of Wheels and Deals has been the leader in the Used Vehicle Business for 36 years..

I feel asking questions is very important when making a large purchases, unfortunately people have been know to hide and mislead. The best thing to do when buying a vehicle is ask for the CarProof, read it verify it and buy from a reputable dealer Used or New..  not everyone is Huggable like us.. Hugs Jim

carproof-logo-en-header-398

At Wheels and Deals we pull, review, share and have on file for your immediate scrutiny a CarProof for every vehicle.

Heck we will not even pay for a vehicle that we purchased before we verify the CarProof History  report is a OK.

Here are just a few examples of why CarProof has earned the reputation of being the #1 trusted source in Canada.

Don’t miss out on crucial data that the other providers don’t have:

  • test-driveOnly CarProof searches for live, real-time data the moment you order a report.
  • test-driveWe’re Canadian! Our #1 priority is accurate Canadian data and we offer complete U.S. history too.
  • test-drive Only CarProof can offer live customer support. Call, email or use the Live Chat function on our website.
  • test-driveOnly our reports provide accident history, guaranteed enforceable liens from across Canada, registration and branding details and more!

The Importance of a Guaranteed Motor Vehicle Inspection…..

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Jim Gilbert Canada’s Huggable Car Dealer: Has been a Fredericton Daily Gleaner Ask A Professional for over 10 years…

Recently I was asked in my Ask A Professional Column in the Fredericton Daily Gleaner how important it is to make sure you have a proper MVI or an MVI guarantee from a selling dealer or an individual for that matter.

What I have seen over my 36 years buying and selling vehicles in Fredericton. Is when people are buying a vehicle here or there, thinking their saving money by sometimes getting a cheaper price elsewhere or buying a much higher kilometre vehicle. Usually it only only takes weeks and never more than a few months before I get a call and a hear a very sad voice that say’s “Jim, I should have bought from you, the car I bought from another dealer is only 2 months old and it already needs $1500.00 worth of work. I do not have the money to pay for the hidden repairs of Tires, brakes etc. “What can I do?”.

I think to myself we told you so, we even showed you what we do different but you were lead to believe you were saving $800. and now you are stuck shelling out $1500.00. you didn’t plan or money you do not have.  Worst part is before years end you will be spending more again.

At Wheels and Deals we give you a 20/50/365 day Guarantee, yes we guarantee all our MVI’s for 20,000 Kilometres, 50/50, for one full year (365 days). I personally make it well known through out Jim Gilberts Wheels and Deals that I want and demand all vehicles inspected 200% above industry standard. Not like other car dealers that as long as it passes to day that is ok. I demand that Canada’s Huggable Car Dealer’s vehicles  pass for a year or I will pay half of any repair you may need in your first year. Along with the fact that all our vehicles carry the balance of factor warranties, you should be pleasantly impressed with your no or low cost Wheels and Deals vehicle.

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How do I do it? It is simple, I see your car different, I want you and all our customers as repeat and referral customers, we want you back, we need your family and friends to sing our praises, enjoy their car buying experience and tell all their family and friends about how great we hugged them and looked after you. I want to spend my money on your vehicle that other dealers keep as profit, I, want to sell you again and again, we operate on way less profit but far more sales and guess what in the long run that equals more retained income for both of us. We are Happy, Huggable  and are in it for long term success and repeat, referred customers. Keep in mind we can repair our vehicles a lot less than you can repair yours once you buy. So when I spend an average of $1200.00  per vehicle extra, than the used car norm which is $200.00. You are receiving almost double that in value, yes my $1200.00 service that I do before you drive away could cost you $1600. to $1800. at a local garage or a new car dealer with-in  months if you buy else where.   Hugs JIM

What customers say about us…..

From: Betts, Jeffrey (DNR/MRN)
Sent: Monday, May 11, 2015 1:06 PM
To: Chelsea Gilbert
Subject: RE: Thank You

Hi Chelsea,

I’d be more than happy to share with you our experience at Wheels and Deals.  My wife and I came in on Saturday April 25th and went home later that day with a 2014 Ford truck, a 2014 Ford Fusion  – and 2 bears.  It was a great day – very exciting!

 We’d had experiences with various dealerships in the past and to be honest, purchasing a car was not on the top of my favorite things to do list.  This was mainly because of the impersonal way we were treated even after years of dealing with the same companies.  They barely knew who we were when we walked in the door.  Customer loyalty means nothing to them.  Plus the fact that I’d always felt I could have done better “deal-wise”.  We’d come away with a new car but a not-so-great feeling about the whole experience.

 Wheels and Deals – we came across  vehicles on your web site, which is quite well done, by the way – called to make an appointment – Justin said “none needed, just come on in”.  When we arrived he met us at the door and started the day with a tour of the facility.  It is impressive.  I appreciated hearing about the inspection process that takes place on every vehicle you sell.  The cars are cleaned spotless inside and out and under the hood.  Test drive without the salesman – good.  After purchase service on a couple of minor issues – excellent!

 Justin Roy – a likeable guy right from the start with a whole ton of knowledge about every make and model and option in a car.  You can’t stick him on anything.  I enjoy dealing with experts and Justin fits that description very well.  I’m sure I asked a lot of questions, some of them quite basic and he was always eager to share his knowledge without talking down to me.  My wife commented later how she liked that he answered her directly and didn’t practice the “sell to the man” attitude we’ve run into in the past when buying a car from other dealers.  Justin is professional, a great guy and made the day very enjoyable.

 It’s nice to see good old fashioned customer service is making a comeback and Wheels and Deals is leading the charge!

All in all, we had a great experience and have already recommended you to our friends.

 Jeff Betts   Kingsclear

Ask the Expert 2013- 12 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q- Jim, how can I check my credit score?  www.wheelsanddeals.ca

A…Credit Tips 12- We can do it for you at Wheels and Deals, just come on over and see one of our specially trained Financial and sales Professionals or you can contact Equifax Canada National Consumer Relations P.O. Box 190 Station Jean-Talon, Montreal, Quebec, H1S 2Z2 (1-800-465-7166)—TransUnion Canada Consumer relations Centre P.O. Box 338 LCD 1 Hamilton Ontario L8L 7W2 (1-866-525-0262)

You can also get a copy “Understanding Your Credit Report,Credit Score” by contacting  www.wheelsanddeals.ca or Financial Consumer Agency of Canada info@fcac.gc.ca…I hope the past 12 weeks of reading my credit history Tips have helped you. Hugs Jim

http://www.transunion.ca/          http://www.consumer.equifax.ca/home/

TransUnion Credit                        EfxLogo

Ask the Expert...Jim Gilbert
Ask the Expert…Jim Gilbert

Ask the Expert…. mailto:gilbert@wheelsanddeals.ca

Canada's Huggable Car Dealer Cares
Canada’s Huggable Car Dealer Cares

Ask the Expert 2013- 11 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q-Jim, what should I, not do that may affect my credit?   www.wheelsanddeals.ca

A..Credit Tips..11- Do not accept or use any form of credit until you understand the terms and conditions; this avoids misunderstandings between you and your credit issuer. Do not wait to report unauthorized transactions, contact your credit issuer immediately. Do not go over your credit limit on your credit cards. Your credit is your future and your responsibility. If you asked someone to trust you, stay trust worthy. Think before you spend, buying newer used vehicles from Wheels and Deals, will lower your debt, lower your monthly payment and save you money…Save your money for a rainy day…Hugs Jim..(next week Tip, how to check your credit scores)

Buy a Good Newer Used Vehicle
Buy a Good Newer Used Vehicle

Ask the Expert...Jim Gilbert
Ask the Expert…Jim Gilbert

Ask the Expert…   mailto:gilbert@wheelsanddeals.ca

Ask the Expert 2013- 10 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q-Jim, how can I maintain a good credit history?   www.wheelsanddeals.ca

A…Credit Tips..10- There are a number of things you can do to build and maintain a good credit history.  Do’s..Pay your bills on time. Pay your bills in full or at least pay minimum statement balances. Contact creditors if you are having trouble making payments before they contact you. Make sure your monthly statements are correct. Read your statements stay up to date on any changes in your terms and conditions. Deal with well know and trusted companies. Get a copy of your credit report and review once a year.  ..(next week Tip, what you should not do)

Don't be late

Ask the Expert...Jim Gilbert
Ask the Expert…Jim Gilbert

Ask the Expert…   mailto:gilbert@wheelsanddeals.ca

Ask the Expert 2013- 9 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q- Jim, how can I build a credit history besides buying a car from Wheels and Deals. www.wheelsanddeals.ca

A…Credit Tips…9- It is important to have good credit. You can begin one by using a credit card wisely. The issuer will start reporting your use and you will start building a credit history. Use it and pay it off monthly. If you are having difficulty obtaining a credit card (no credit history, new to country, bankruptcy, bad credit history) get a secured credit card you deposit up front money but you do build or rebuild credit with proper use. Once your credit history is considered satisfactory you will be eligible for a loan and standard credit card. ..(next week Tip, on maintaining Good Credit history)

It is important to have good credit
It is important to have good credit

Ask the Expert...Jim Gilbert
Ask the Expert…Jim Gilbert

Ask the Expert…   mailto:gilbert@wheelsanddeals.ca

Ask the Expert 2013- 8 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q- Jim, How can I improve my credit score?   www.wheelsanddeals.ca

A…Credit Tips…8- If your credit score is not as high as you like, are you paying higher interest rates or worst you cannot obtain a car loan and need to get to work! Improve your credit score, always pay your bills on time, utility bills, phone, cable, electricity, etc. Pay at least the minimum amounts on your monthly statements and reduce credit cards and loans to 35% balances. Pay your debts on time. Do not go over your credit limits on credit lines and credit cards. Reduce number of credit applications (credit hits). Make sure you have a credit history, surprisingly bad credit is better than no credit..(next week Tip, on Building Credit History)

Organize Your Bills
Organize Your Bills

Ask the Expert...Jim Gilbert
Ask the Expert…Jim Gilbert

Ask the Expert…   mailto:gilbert@wheelsanddeals.ca

Ask the Expert 2013- 7 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q- Jim, Do you have information on Canadian delinquency rates?  www.wheelsanddeals.ca

A…Credit Tips…7- Yes, delinquency rate or credit risk based on credit scores again 300 being low and 900 being a high credit score in Canada are: 300 to 499 has a 78% delinquency rate, 500 to 549 has 60% delinquency rate, 550 to 599 has a 39% delinquency rate, 600 to 649 has a 23% delinquency rate, 650 to 699 has a 12% delinquency rate, 700 to 749 has a 5% delinquency rate, 750 to 799 has a 2% delinquency rate, 800 plus has a 1% delinquency rate. It is simple to see why some people are paying 5% interest rate and some people 25% interest rate, it is all about how you honor your commitment. Credit Cards have high interest rates for everyone…lower or pay your balance monthly…(next week Tips, on Improving Credit Scores)

Honor Your Commitments
Honor Your Commitment

Ask the Expert...Jim Gilbert
Ask the Expert…Jim Gilbert

Ask the Expert…   mailto:gilbert@wheelsanddeals.ca

Ask the Expert 2013- 6 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q-Jim, where does my credit score rank me among other Canadians?   www.wheelsanddeals.ca

A…Credit Tips…6- National distribution of where Canadians are based on a 300 low and 900 high credit score is: 300 to 549 only 4% of population, 550 to 599 again is 4%, 600 to 649 is 6% of population, 650 to 699 is 11% of population, 700 to 749 of 19% of population, 750 to 799 is 27% of population, 800 to 849 is 24% of population, 850 plus is 5% of population. Your placement affects lenders polices towards you…..(next week Tip, on Delinquency rates)

Ask the Expert;  mailto:gilbert@wheelsanddeals.ca

Ask the Expert...Jim Gilbert
     Ask the Expert…Jim Gilbert

What % is Your Credit
What % is Your Credit

 

Ask the Expert 2013- 5 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q- Jim, what are the top factors that might lower my Credit score?     www.wheelsanddeals.ca

A…Credit Tips …5- Factors lowering your credit score are, there you have to many consumer finance accounts on your credit report, also having to much available credit can actually hurt you (close a few accounts & reduce credit limits). Your account balances are to high, you are spending more than you can afford (keep your credit cards below 35% of limits). There is not enough recent info on your credit report (You need to use credit regularly but sparingly to have a credit history). Your loan balances are to high, high debt levels signal lenders you are over spending (owing balances above 35-50% lowers your scores and worries lenders) ..(next week Tip, on your Credit Score rankings)

Ask the Expert...Jim Gilbert
Ask the Expert…Jim Gilbert

Ask the Expert: mailto:gilbert@wheelsanddeals.ca

Build Trust
Build Trust


Ask the Expert 2013- 4 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…Credit Tip 4

Q- Jim, what does a Credit score look like?      www.wheelsanddeals.ca

A…Credit Tips…4- In Canada there are two Credit reporting agencies. Trans Union and Equifax both use date based of your creditworthiness again based on 300 lowest to 900 highest (credit score). This shows how your credit ranks based on Canadian population by %(credit ranking). Then, where you fit in the lenders perspective (Very poor-Poor-Fair-Good-Very Good). Lenders decide if you can have a loan, amount of loan and interest rate with this info..(next week Tip, on what factors lower credit scores).

Ask the Expert...Jim Gilbert
Ask the Expert…Jim Gilbert..

http://www.transunion.ca/          http://www.consumer.equifax.ca/home/

TransUnion Credit                        EfxLogo

Ask the Expert…. mailto:gilbert@wheelsanddeals.ca

Ask the Expert 2013- 3 of12 Part Credit Tips Series As read in The Daily Gleaner Newspaper, Fredericton New Brunswick, Improving and Rebuilding your credit…

Q- Jim, what is a Credit Score?           www.WheelsandDeals.ca

A..Credit Tips…3- Influences on your Credit Score. Your credit score is a judgment of your financial health. It ranges from 300 low is bad  to 900 high. It is a mathematical formula based on your (good payment, missed payment history), (Collections or bankruptcy),(Outstanding debts and credit card limits),(Account history and number of recent inquires about your credit), (Type of credit you have and credit mix) these factors can affect you for up to 6 years.. ..(next week Tip, what does a credit score look like?)

Ask Jim a Question… Mailto:gilbert@wheelsanddeals.ca

Ask the Expert
Ask the Expert

MSM Will
Will Venator Sales and Finance Consultant
Where there is a Will there is a Way

mailto:will.Venator@wheelsanddeals.ca

Ask the expert 2013-Part 1 of 12 Part Credit Tips Series As will be seen in The Daily Gleaner Newspaper Fredericton New Brunswick, Improving and Rebuilding your credit… Tip 1

Ask the expert January 2013- 12 Part Credit Tips Series,  The Daily Gleaner Newspaper Fredericton, Improving and Rebuilding your credit… Tip 1

Q- Jim, how could I improve or rebuild my credit?

A..Credit Tips… 1- Understand your credit report; it is a snapshot lenders use to decide (What kind of Risk you are). It contains personnel info, credit card, loan, mortgage, line of credit, info on bank accounts & if any NSF cheques, public records such as bankruptcy, judgments, lawsuits, secured loans, collection information, fraud warnings and credit inquires of you ..(next week Tip, on Credit Reports)

Have question contact Jim at        mailto:gilbert@wheelsanddeals.ca                                                                                              www.WheelsandDeals.ca

Jim Gilbert new business card photo 2013

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