Understanding Mandatory Fees and Dealer Fees

Buying a new car can be stressful, especially if you haven’t done it in over five years. There’s the issue of choosing a colour, make, extra features (if you want them), and of course the messy business of negotiating a price. If you don’t do the research before heading to the dealership, you could fall into a trap many buyers before you have succumbed to and leave the dealership with much more than you bargained for, and not in a good way.

Before you even start talking to a salesperson, arm yourself with enough knowledge about the car to reduce the likelihood of you getting taken for a ride (no pun intended). The first thing you need to do is the research on the car cost. Canada dealers get their units at wholesale prices. You can find out more about this via invoice price reports. Companies like Car Cost Canada offer invoice price reports at $39.95 while Unhaggle.com lets you access it for free. Once you get the factory price of the car, factor in what the dealer needs to make in profit and you can start benchmarking your price for negotiation.

Next, it is also important to understand which fees are mandatory and which fees are optional dealer fees that can be negotiated out of your purchase. The more information you have, the better your chances are of getting a reasonable price, and one that you can be happy with.

Here’s a quick rundown of the mandatory fees you’ll need to pay when purchasing a car according to the Ontario Motor Vehicle Industry:

1. HST or Harmonized Sales Tax – 13% on car price
2. Air tax – Air conditioner excise tax of $100 for cars with air-conditioning
3. OTS tax or Ontario Tire Stewardship fee – For passenger vehicles and light trucks the fee is $5.84 per tire
4. OMVIC fee – A transaction fee to support OMVIC’s (Ontario Motor Vehicle Industry Council) dispute resolution activities
5. PPSA fee – If you finance/lease a car, the bank/leasing company will charge a fee for setting up the loan and registering the lien $50 to $75.
6. Licensing – Most dealerships will take care of this for you and will charge an admin fee of $50 to $75.

If it’s not listed above, consider it a dealer fee. An important thing to remember is that mandatory fees should not be added to the car’s price after you’ve negotiated it, it must already be included. The same goes for advertisements that include the price of a car – whatever is advertised should be the all-in price.

Don’t be pressured into buying additional products or features you don’t believe have value. If you’re being made to believe that a certain add-on is compulsory because it’s already been installed, you have the right to report them to the OMVIC for deliberately misleading you.

Dealer fees and add-ons like security packages which include a police traceable code in case of theft could already be part of your insurance coverage so make sure you do the due diligence and read your contracts before signing them.

A great way to avoid paying for more than the car is worth is to do extensive research online and see what other people are paying for the same car. Find out also if there are any on-going Canadian dealer incentives that you could take advantage of.

The Value of Colour and Patterns in Your Childs Life

Importance of colour along with patterns in developing childrens creative thinking. There is a cycle of changing colours which will can affect much of our body and mind. Our planet is a magnetic field filled up with negative and positive charges, electro magnetic waves are produced by these charges consistently vibrating.

Each wave includes a unique speed of vibration plus wavelength, Together they form the electro-magnetic sphere. White light while seen through a prism or even water vapour splits into the colours of the spectrum.
Colour through age development.

There is a pattern of changing colours of which can affect our body-mind through the different phases of existence. A child’s colour preferences may change with time.

Your child’s level of growth as well as age can change the colours they like and don’t like.
All through historical past it has been believed that different men and women surrounded themselves with colours on a unconscious level for spiritual influence on there lives.

At age 2 to 8 years rounded styles and mild soft colours are generally considered excellent for nursery and bedroom’s, babies between 7 and 11 years more vibrant colours and designs were introduced, and gentle greens and more mathematical styles from 10 years till teenage years, was found to be less distracting to the
emotional focus of every stage connected with advancement. Very small kids and colour.

Baby nurseries are best suited to creams and softer colour tones such as pinks along with creams, that will radiate relax and warmness and are generally psychologically tension relieving and enjoyable. Wall decals and decorations such as soft blues and pinks through to creamy yellows, and peachy apricot can be utilized for little one bedrooms and nurseries. Benefits of making use of wall decals for increasing kid’s creativity.- Roxanne Creveling – Stanford University

A Childs surroundings carries a huge influence on their mood and conduct, changing a blank wall with wall decals stimulate mental performance to a greater level. Wall decal encourages children to use their imagination and helps them to recognise colours, shapes and objects. It can assist with learning and development, giving your children the very best benefit before their formal education.

The initial years of a Child’s every day life is spent within their home and their home surrounding equals a high percent of their visual knowledge, therefore it is very important to generate a striking and interesting living space or baby’s room they are going to associate as a entertaining along with safe place. Small children sleep as well as study far better if they are within a calm and peaceful environment. With entertaining wall decals, youngsters will certainly be capable of amuse themselves for longer, so that they wonâEUR(TM)t require constant attention and you can get more done around the house.