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For advertising or story submission information call 905.873.0301 280 Guelph Street, Georgetown Ontario of Halton Hills I D E R O A D S S AUTUMN 2008VOLUME 4 NUMBER 3 The art of Carol-Ann Michaelson Nordic walking Halton Wood Carvers at work Days with Bruce ...and much more Take a Trip Along the Sideroads magazine focuses on the beau- ty of small town and country living. It features stories on North Halton Countys interesting history, people in our community, local events, outdoor activities, plus much more. This high- quality magazine targets the people who matter the most, our family and neigh- bors. Published seasonally - Spring, Summer, Autumn and Winter of Halton Hills I D E R O A D S S WINTER EDITION COMING NOVEMBER 26 APPROVAL RATING! 100% Vehicles from $5000 - $25,000 whatever you need! GIANT USED CAR CLEARANCE PROBLEMS = SOLUTIONS On Disability Late Payments No Credit Bankrupt No Money Divorced 0 Down Lowest Interest Rates Credit Counselling YOURE APPROVED! YOUR JOB IS YOUR CREDIT Anyone, Anytime, Anywhere. I WILL FINANCE YOU! ILL MAKE YOUR FIRST 3 PAYMENTS TRUCKS VANS SUVS CARS WHATEVER - 2,500 TO CLEAR! Specializing in 100% Credit Re-establishment IF WE DONT HAVE IT - WE WILL GET IT! Low as per wk. $37 SAME DAY DELIVERY $0DOWN! IF YOU HAVE AN INCOME YOURE APPROVED! Ask for Casey WHEELS October 10, 2008 9 Rising fuel costs are causing people to reassess their driving needs, but there are a host of other important factors to consider when purchasing a vehicle. When comparing vehicle adver- tisements, its important to know there may be additional fees on top of the advertised price. Before you buy, understand all fees and how they will affect the price your vehi- cle. The Ontario Motor Vehicle Industry Council (OMVIC) the motor vehicle industrys regulatory and licensing body has provid- ed some useful information to con- sider when shopping for a vehicle: Pricing and Fees Zero percent or other low interest rate offers are popular, but often you have to pay more for the car if you opt for the low interest rate financing which means the true cost of borrowing may be far more than the ad implies. Make sure you find out how much the car would be if you arranged your own financing. The difference can be considerable. The price listed in an adver- tisement is usually not the entire cost of the vehicle. Administration fees, also known as documenta- tion fees, can be catch-alls for a variety of dealer paperwork costs, and can range up to several hun- dred dollars. When buying a new car, you can also expect to be billed for industry-specific taxes, pre-deliv- ery preparation costs, freight costs and anti-theft window etching products. Combined, these fees can add thousands to the adver- tised price of a vehicle. All these costs must be sepa- rately disclosed on the bill of sale but they may not be clearly dis- closed in the ad, so call the dealer and do your research before decid- ing which dealership is offering the best deal. Classified Advertisements Some people prefer to buy pri- vately, but be aware that studies have shown more than 25% of classified ads may be posted by curbsiders, says Brenda McIntyre of OMVIC. Curbsiders are unregis- tered dealers posing as private sell- ers who sell misrepresented vehi- cles to unsuspecting consumers. When you buy privately, youre on your own with very little recourse if you discover the car has been misrepresented to you. By law, private sellers must obtain a Used Vehicle Information Package (UVIP) from the Ministry of Transportation and show it to prospective buyers. Be sure to ask to see the sellers UVIP before you finalize any purchase. If the seller doesnt have the UVIP, or if the ownership is in a different name, walk away from the deal. More information is available online at www.omvic.on.ca. News Canada Before you buy Understand vehicle ads and pricing