Hope
I had to write a news story based on a car accident for school. Any changes I should make?
Three people were involved in a car accident on Tuesday at 3: 30 p.m. located on Timberwood Drive and Randolph Avenue. Kelvin L. Bowlen age 19 , of 94 Belleview Drive was driving West on Timberwood Lane along with passenger Brad Lewitt, an 18 year- old from Sharpe Boulevard.
Bowlen passed another westbound car that had stopped for a stop sign. Soon after, Bowlen made a left turn into Williams Avenue into the path of Lloyd Johnson vehicle. Johnson was 54 years- old from 33 Jefson St. and had no passengers.
His car was headed North on Williams. The left side of Bowlenâs car was struck by the front. Following the collision, Johnsonâs car including Bowlenâs car both crossed into the southbound lane and traveled 54 feet north of the intersection.
Bowlenâs car then hit the front end of 23-year-old Suzanne Wylie of 7 Delamar Dr. which was southbound on Willams. Her car was forced off the road and into a ditch. Wylie had no passengers with her at the time of the crash. Kelvin Bowlen, brad Lewitt, and Suzanne Wylie were all taken to Keller county Hospital.
Lloyd Johnson was said to be uninjured. When asked whether drugs were involved in this fatal crash police stated âto early to tellâ. It has been confirmed at the time of the crash a young women named Amelia Lisbon, of 162 Williams Avenue, was a resident of one of the streets mentioned earlier in the accident.
Lisbon was asked who was at fault she replied âI didnât see what happenedâ. Lisbon was said to be outside walking her dog while suddenly she said she heard âa horrible noise like a earthquakeâ. The police are still investing the crash deciding what may have caused this accident. There is no more further information regarding the four victims involved.
Answer
Three people were involved in a car accident on Tuesday at 3: 30 p.m. located on Timber wood Drive and Randolph Avenue. Kelvin L. Bowlen age 19 , of 94 Belleview Drive was driving West on Timber wood Lane along with passenger Brad Lewitt, an 18 year- old from Sharpe Boulevard.
Bowlen passed another westbound car that had stopped for a stop sign. Soon after, Bowlen made a left turn into Williams Avenue into the path of Lloyd Johnson vehicle. Johnson was 54 years- old from 33 Jefferson St. and had no passengers.
His car was headed North on Williams. The left side of Bowlenâs car was struck by the front. Following the collision, Johnsonâs car including Bowlenâs car both crossed into the southbound lane and traveled 54 feet north of the intersection.
Bowlenâs car then hit the front end of 23-year-old Suzanne Wylie of 7 Delamar Dr. which was southbound on Willams. Her car was forced off the road and into a ditch. Wylie had no passengers with her at the time of the crash. Kelvin Bowlen, brad Lewitt, and Suzanne Wylie were all taken to Keller county Hospital.
Lloyd Johnson was said to be uninjured. When asked whether drugs were involved in this fatal crash police stated âto early to tellâ. It has been confirmed at the time of the crash a young women named Amelia Lisbon, of 162 Williams Avenue, was a resident of one of the streets mentioned earlier in the accident.
Lisbon was asked who was at fault she replied âI didnât see what happenedâ. Lisbon was said to be outside walking her dog while suddenly she said she heard âa horrible noise like a earthquakeâ. The police are still investing the crash deciding what may have caused this accident. There is no more further information regarding the four victims involved.
Ok there i fixed it for you!
Three people were involved in a car accident on Tuesday at 3: 30 p.m. located on Timber wood Drive and Randolph Avenue. Kelvin L. Bowlen age 19 , of 94 Belleview Drive was driving West on Timber wood Lane along with passenger Brad Lewitt, an 18 year- old from Sharpe Boulevard.
Bowlen passed another westbound car that had stopped for a stop sign. Soon after, Bowlen made a left turn into Williams Avenue into the path of Lloyd Johnson vehicle. Johnson was 54 years- old from 33 Jefferson St. and had no passengers.
His car was headed North on Williams. The left side of Bowlenâs car was struck by the front. Following the collision, Johnsonâs car including Bowlenâs car both crossed into the southbound lane and traveled 54 feet north of the intersection.
Bowlenâs car then hit the front end of 23-year-old Suzanne Wylie of 7 Delamar Dr. which was southbound on Willams. Her car was forced off the road and into a ditch. Wylie had no passengers with her at the time of the crash. Kelvin Bowlen, brad Lewitt, and Suzanne Wylie were all taken to Keller county Hospital.
Lloyd Johnson was said to be uninjured. When asked whether drugs were involved in this fatal crash police stated âto early to tellâ. It has been confirmed at the time of the crash a young women named Amelia Lisbon, of 162 Williams Avenue, was a resident of one of the streets mentioned earlier in the accident.
Lisbon was asked who was at fault she replied âI didnât see what happenedâ. Lisbon was said to be outside walking her dog while suddenly she said she heard âa horrible noise like a earthquakeâ. The police are still investing the crash deciding what may have caused this accident. There is no more further information regarding the four victims involved.
Ok there i fixed it for you!
Buying a car question?
Carlos the
Hi I was looking to buy a car sometime in april/may and I was wondering if having a used credit card would hurt me. I have two but one is paid off and the other i have used 800 on the other out of 2000. I have been paying more than minimum payments on it every month and will continue to pay more than minimum till then, so i should have under 700 due by then. My credit score is around 730 (might be higher by then too) and im 20. Also I have money for down payment but lets assume I'd be giving 0 down. It will be a used car!
So my question is will any of that keep me from getting a loan for the car? and would i be able to get a decent interest rate if I do?
Answer
My general policy is avoiding loans and credit except in buying a house, emergency medical or other emergencies, or education loans for school. Credit gets you buying ahead of what you can afford and is an interest rate trap. People "need" and what they mean is "want and impatient". Almost every car loan requires that you have full insurance coverage including collision and for some lower priced cars, the collision insurance is more than the interest on loans.
For financing, you generally do worse financing at a dealer than at a credit union or bank. Dealer financing will be a combination of a high rate and inflated car price. Check with your bank or credit union about auto loan terms and rates before you car shop. Loan approval is based on loan to value of the car and your regular earnings to debt and expense ratios. "Credit score" is just another trp to get you to borrow more money as they only lend to people that can pay them back, or the interest rate is through the roof.
In buying a used car, always get it checked out by a mechanic and assure the title is clean. It is better with a warranty to allow you to check it. I prefer lower mileage used cars especially if still under factory warranty. Maintenance history is a plus. Research car models at US News and MSN autos:
http://home.autos.msn.com/
http://usnews.rankingsandreviews.com/cars-trucks/rankings/used/
And, check its value at Edmunds,com
http://www.edmunds.com/appraisal/
Check with an insurance agent about your cost of insurance before you buy the car.
A car is a major expense and people do not typically look carefully.
Auto loan rates from banks and credit unions vary a lot now, with best rates under 3% a year. Financing at a dealer can be 12 to 18%.
http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx
A $10,000 car loan at 3.5% for 4 years is $223.56 per month.
$731 is interest.
Check the loan terms for any pre-payment penalties.
In most cases, you should pay off a credit card before taking a car loan because credit cards are a high interest rate and car loans can be at a decent rate. If you have issues paying down $800 quickly, you probably have trouble getting a good rate on a car loan.
Look at your income and expenses and try to figure out where the money is going.
Most banks will not finance old low priced cars, and you end up with the used car dealer high price and high finance cost.
Again repeating from very many years experience, pay off that freakin' credit card ASAP and begin trying to save money from your earnings. If you can afford car payments, you can afford to buy a car for cash by getting a cheaper car until you can afford a nice one. Life is not about building up a credit score unless interested in buying a house. When you buy a used car fully financed, you immediately are behind in its value to the amount you owe on it. A cheap car bought for cash can avoid collision insurance and only pay the required liability insurance. Guidance is a car less than 7 times the cost of collision insurance per year is not worth having the insurance since minor accidents get deductibles anyway. ANy loan will require collision insurance on the car.
My general policy is avoiding loans and credit except in buying a house, emergency medical or other emergencies, or education loans for school. Credit gets you buying ahead of what you can afford and is an interest rate trap. People "need" and what they mean is "want and impatient". Almost every car loan requires that you have full insurance coverage including collision and for some lower priced cars, the collision insurance is more than the interest on loans.
For financing, you generally do worse financing at a dealer than at a credit union or bank. Dealer financing will be a combination of a high rate and inflated car price. Check with your bank or credit union about auto loan terms and rates before you car shop. Loan approval is based on loan to value of the car and your regular earnings to debt and expense ratios. "Credit score" is just another trp to get you to borrow more money as they only lend to people that can pay them back, or the interest rate is through the roof.
In buying a used car, always get it checked out by a mechanic and assure the title is clean. It is better with a warranty to allow you to check it. I prefer lower mileage used cars especially if still under factory warranty. Maintenance history is a plus. Research car models at US News and MSN autos:
http://home.autos.msn.com/
http://usnews.rankingsandreviews.com/cars-trucks/rankings/used/
And, check its value at Edmunds,com
http://www.edmunds.com/appraisal/
Check with an insurance agent about your cost of insurance before you buy the car.
A car is a major expense and people do not typically look carefully.
Auto loan rates from banks and credit unions vary a lot now, with best rates under 3% a year. Financing at a dealer can be 12 to 18%.
http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx
A $10,000 car loan at 3.5% for 4 years is $223.56 per month.
$731 is interest.
Check the loan terms for any pre-payment penalties.
In most cases, you should pay off a credit card before taking a car loan because credit cards are a high interest rate and car loans can be at a decent rate. If you have issues paying down $800 quickly, you probably have trouble getting a good rate on a car loan.
Look at your income and expenses and try to figure out where the money is going.
Most banks will not finance old low priced cars, and you end up with the used car dealer high price and high finance cost.
Again repeating from very many years experience, pay off that freakin' credit card ASAP and begin trying to save money from your earnings. If you can afford car payments, you can afford to buy a car for cash by getting a cheaper car until you can afford a nice one. Life is not about building up a credit score unless interested in buying a house. When you buy a used car fully financed, you immediately are behind in its value to the amount you owe on it. A cheap car bought for cash can avoid collision insurance and only pay the required liability insurance. Guidance is a car less than 7 times the cost of collision insurance per year is not worth having the insurance since minor accidents get deductibles anyway. ANy loan will require collision insurance on the car.
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