The Panter`s webstore
Main page: www.panteraconsulting.com
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The Panter`s webstore
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Main page: www.panteraconsulting.com
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Cars, car equipment, car tools - Welcome to this online store of cars and car parts. Buy clicking at the banners you will find a huge collection of car models or car parts. Further down on this page there is also an article about auto leasing.
All types of mechanical and electric car parts for rapair or for higher performance
All types of quality equipent. Exterior, interior, styling, transmission, stearing, wheels, electric system, radio, fuel system, motor, trimming and performance parts, driving computer, navigation, seats, doors, locks, glasses, brakes, suspention, exhaust system, driving security and more.
All kinds of equipement for the internal and external of your car. Map systems and GPS navigation units
By clicking at the banner below, you will find a great collection of accessories for your car, like lanterns, antennas, auto radio / stereo / music, communication electronics, security equipment, GPS nevigation equipment, dashboard equipment, car body parts, washers, window accessories, interior styling, bags, tool boxes, interior lights, seat equipment and more. There are also tools and performance parts.
Comodities to use in your vehicle and on journeys
All types of comodities that are useful in your car or on journeys: Bags, containers, lights and lanterns, audio/video, coolers, heaters, seat covers, grooming and cleaning equipment. Also a lot of car parts, equipment to install in your car and workshop tools.
Examples of the many products available
Car workshop tools and much more - By clicking at this banner, you will enter a superstor where you can buy a lot of tools to work on your car, tools for hobby use, equipment for spare time use, camping equipment, garden equipment, building tools, hobby tools, kithen equipment, sport equipment, media, video, television, data, communication, body care, foods, spices, herbs, natural remedies and much more.
Books, manuals, videos, collectibles and calendars about cars, motorcycles and other vehicles
By clicking at this banner, you will find a big amount of reading material and electronic media about motorized vehicles, as: modern and classic cars, auto racing, motorcycles, trucks, tractors, trains, boats, aviation, military history, bicycles, americana, and collectibles.
Some other items:
Draw clothes of your own style - and get them sent to you as you have decided
- Here you can decide patterns, colors, figures and texts for your own clothes by an online interface, and order the clothes you have designed. The shop will send the clothes in 24-48 hours. You can design T-shirts, men's and ladies's longsleeves, jackets, special ladie's wear, trigema, football shirts, shorts, socks, junior's clothes, headwear, underwear and several types of apparel accessories. Design clothes for yourself or as a gift for your friends.For residents in US, please click at this banner:
Residents in UK, please click at this banner:
Watches - Buy quality watches for a lesser prize: Citizen , Casio , Chase-Durer, Hamilton , Movado , Oakley , Pulsar, Seiko , Skyhawk, Suunto watches, Swiss quality models.
Watches for all types of use: Dress watches, flight chronographs, dive watches, chronographs for timing and advanced functions, titanium watches, sport watches.
Nitro or electric driven remote control models and other hobby items: There are models for indoor or outdoor use of cars, helicopters or fast-winged aircrafts. The battery technology is by now so advanced that it is possible to make electric flying remote control hobby aircrafts that are able to hover in 20 min - 1 hour between each charge-up, and these models are not expensive. Because of the electric battery technology and easy controls, there exist hobby RC aircrafts suited for both indoor and outdoor use.
An example of the many hobby articles you can find
Genf20 - Feel and look younger, reverce aging
- Human growth hormone has proved to help regain skin thickness, muscle intactness, a jouvenile muscle/fat-ratio and other properties of youth:
SkinStore - Make your skin younger- Take away skin problems. Products for prevention or cure of skin conditions or to ammeliorate symptoms of cronoic skin diseases: Aging symptoms of the skin, scne, scars, rashes, sun-damage, cellulites, thin skin, edema, miscolored skin, rosacea, psoriasis, etc
Cure or support against many diseases - Medicines to be taken by mouth: Acne, aging symptoms, AIDS, allergies, Alzheimers disease/dementia, angina, arthritis (osteoarthritis), arthritis (rheumatoid arthritis), asthma, attention deficit disorder (ADD), breast cancer, burns, carpal tunnel syndrome, cholesterol, cronic bronchitis, chronic cough, chronic fatigue sydrom, cognitive problems, colds and flue, congestive heart failure (CHF), Crohn`s disease, depression, diabetes mellitus type 1, diabetes mellitus type 2, eczema, edema, endometriosis, fatigue, fibromyalgia, hair loss, herpes simplex, hyperlipidemia, hypertention, obesity, otitis media
Click here to find the right product
Natural topical and systemic medicines:
- Here you find many good remedies for body massage against rheumatic diseases, stiff and painfull muscles, hurt tendons and troubled joints. Here are also creams to treat acne, rosacea, wounded skin, irritated skin or skin itching. You also find products for weight loss and items to maintain general good health.
Information resources for our visitors - Here are some advices about vehicle leasing. To find other information resources, please go to this page
Terms to Know Before Leasing A Vehicle - Leasing Jargon Simplified
By
William Bolton
So, you’ve decided that you want to lease that next vehicle. Can’t really blame you. With today’s incentives, rebates, and favourable lease rates why wouldn’t you. Not only do you get to drive a new car, but a new car that you wouldn’t otherwise be able to afford if you were to purchase and finance it. Buyer beware though. With leasing comes new and sometimes rather confusing vocabulary. Don’t get lost in a sea of leasing jargon. Protect yourself. Learn and understand the industry language. For those seriously thinking of leasing that next vehicle, here is a useful glossary of “new” terminology that you should familiarize yourself with BEFORE you negotiate a lease:
Acquisition Fee: An administrative charge levied by the leasing company for processing a lease. This fee is typically NOT negotiable and can have a significant bearing on the overall cost of the lease.
Base Interest Rate: This is the cost of leasing and using a vehicle and is measured by the interest paid over the lease term.
Buy at end-of-term interest rate: This is the net interest rate for the lease if the lessee, at the end of the lease term, purchases the vehicle at the end-of-lease purchase price.
Capitalized Cost: This is the total purchase price of the vehicle. The price includes the cost of all extras such as vehicle options, extended warranties, life insurance, and rustproofing. The capitalized cost equals the amount you would pay for the vehicle if the vehicle were being purchased.
Capitalized Cost Reduction: A capital cost reduction is a down payment, in the form of cash or trade-in, that is applied to the final purchase price of the vehicle reducing the monthly lease payment.
Closed End Lease: Leases in which the lessee’s financial obligation rests only with the negotiated monthly lease payment. Since the residual value of the vehicle is stated in the lease contract, the lessee is not financially responsible if the actual value of the vehicle is less than the stated residual value. The lessee need only return the vehicle at the end of the lease term with no further obligation.
Dealer Participation: A rebate or discount, contributed by the dealer, reducing the final purchase price of the vehicle.
Depreciation: The decrease in value of a vehicle over time. Depreciation in automobile leasing is the difference in value between the cost of a new vehicle and the value of the vehicle at the end of the lease term.
Disposition Fee: A fee charged by the lessor at the end of a lease to ready the car for sale. The lessor may apply this fee against the deposit made by the lessee at the beginning of the lease term.
Down Payment: A sum of money paid at the beginning of a lease contract, usually at the time of signing, that is applied to the final purchase price. In leasing, the down payment is referred to as the capitalized cost reduction. Typically, the larger the down payment, the smaller the lease payment.
Early Termination Fee: A penalty paid by the lessee for terminating a lease contract early. A lessee pays for the depreciation of a vehicle in equal monthly payments. Since a vehicle’s depreciation is highest in the first months of a lease, terminating a lease early results in the lessee using more of the vehicle’s value than what they’ve paid for subjecting the lessee to penalty.
End-of-Lease Purchase Price: Also known as the residual value. This is the price at which the lessee may purchase the vehicle at the end of the lease term.
Excess Wear & Tear: W ear and tear beyond what is deemed acceptable by the leasing company. It is the responsibility of the lessee to take reasonable care of the car and to ensure it is returned at the end of the lease term in good condition. Bald tires, body dents, and engine trouble due to neglect could subject the lessee to repair and replacement charges.
Gap Insurance: The name given to a type of insurance coverage that covers the difference between the actual cash value of the leased vehicle and what is still owed on the lease contract. If a leased vehicle is destroyed in an accident or stolen, gap insurance coverage protects the lessee against additional losses due to “gaps “ between the insurance settlement and the lessee’s financial obligations set out in the lease contract.
Independent Lessor: These are non-traditional lessors, usually an individual business, that can structure and write a lease for most makes and models of vehicles. The terms and conditions of the lease agreement can be customized to accommodate different lease and mileage conditions.
Lease Extension: This is the continuation of a lease, beyond the original lease contract. Payments are continued on a month-by-month basis at the same sum negotiated at the beginning of the lease term.
Lease Term: This is the length of the lease contract. Most vehicles can be leased for 12, 24, 36, 48, and 60 month lease terms. The monthly payment of a lease will vary depending on the length of the lease term.
Lessee: Name assigned to a person or party who signs a lease and agrees to assume responsibility for a vehicle and the lease payments.
Lessor: Name assigned to a person or party that owns the vehicle and agrees to lease it to the lessee.
Mileage Allowance : Lease agreements establish a maximum mileage allowance that the car may be driven over the life of the lease. The agreement will also specify the cost per mile or kilometer the car is driven over and above the allowance that is due and payable at the end of the lease term.
Money Factor: This is a number used to calculate the base interest rate of a lease. To arrive at a base interest rate, leasing companies will multiply a money factor by 2400. The money factor of a lease is known by the leasing and sales consultant at the dealership and is used to calculate the cost of money in the same fashion as an interest rate does. The lower the money factor, the lower the monthly lease payments.
Monthly Payment: A payment made on a specified date each and every month as specified in the lease contract. Monthly lease payments calculated on a lease contract typically include all applicable taxes.
Net Interest Rate: This is the total interest rate for a lease and represents the true cost of the lease. The lower the net interest rate, the lower the cost of the lease.
Open-End Lease: Leases in which the lessee’s financial obligation may exceed the negotiated monthly lease payment. In an open-end lease the residual value is set at the beginning of the lease term. The lessee is financially responsible if the actual value of the vehicle is less than the stated residual value.
Purchase Option: Option extended to the lessee, at the end of a lease contract, to purchase the vehicle at the pre-determined purchase price. The pre-determined purchase price is normally the stated residual value in the lease contract.
Residual Penalty: This is the penalty a lessee pays if the end-of-lease purchase price is greater than the expected value of the vehicle at the end of the lease term.
Residual Value: This is the expected or pre-determined value of a leased vehicle at the end of the lease contract. The stated residual value on a lease contract is normally the buyout price at the end of a lease term. The residual value also determines whether the lessee should purchase the vehicle at the end of the lease term. If the residual value is less than the actual market value it would be advantageous for the lessee to buy the vehicle and sell it to a third party.
Security Deposit: This is a sum of money, paid up front, as security for excess wear and tear on the leased vehicle. The amount is refunded if the vehicle is returned in good condition. In some cases, the deposit may be applied against the final monthly payment.
Good luck and happy negotiating!
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William Bolton is founder, owner, and operator of Leasedwheels.com, a website specializing in auto lease transfers and assumptions. If you're stuck in a lease you need out of or wish to take over an existing lease on a short-term basis with no money down, visit: http://www.leasedwheels.com
Source: http://www.websition.com/