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RenéMarie Awaken You Group

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Josh Cantu
Josh Cantu

Affinity Auto Buying

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affinity auto buying

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Whether you have hundreds or several million members. AAG offers you the ability to provide a complete auto buying program with the same high standards of excellence your brains require. Contact us today to learn more.

Finance a new or used auto (includes most cars, SUVs, vans and trucks) with competitive rates and flexible terms from Affinity Plus. The rates below are based on a final LTV (Loan-to-Value) of less than 70%. The rate will increase for loans with higher LTVs.

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Each of our clients count on us to deliver an insurance program that strengthens their organization or association and protects their members today and in the future. We look at your mission and goals and connect these goals to a program that is designed exclusively to foster your success. Due to our extensive network of carriers and the number of programs we administer, we can utilize our flexibility and buying power to offer discounted premiums to your members.

At Prime Source, we have created a marketing and distribution channel directly between these two major sources for vehicle service contracts and other automotive protection products. Our partnership with large employers, unions and associations allows us to capitalize on the trusted relationship already present while minimizing distribution costs. The combination of these two factors allows you to provide your employees and members with industry-best coverage at an unbeatable price. Your program can now be the alternative your members have to paying retail prices at the car dealership or rolling the dice with an Internet site.

Deep discounts. Rebates and price wars are great if you're buying a car. But they can cut into a manufacturer's bottom line, which means a potential lower return on investment. Experts expect one or two carmakers (especially giant GM) will pile on discount incentives by this summer.

For many investors, last year's performance turned into gold: Of the 116 key industry groups tracked by Standard & Poor's Corp., the auto sector came in 19th with a 50 percent return, outperforming the S&P 500 Index's 27 percent return.

The most attractive auto-linked gains, according to DLJ analyst Wendy Beale Needham, will come from auto suppliers. In a new report for DLJ, she concludes that the auto parts/tire and rubber segment of the industry could outperform the market in general. (See story below.)

Beyond buying direct shares in automakers and supply firms, investors can profit by taking a position in the large-cap mutual funds that tend to invest in auto-industry stocks. Index funds also usually carry the main US auto producers.

Thomas Marsico, who heads up Marsico Funds remains upbeat about auto stocks: "Manufacturing costs have declined;" there are now "fewer parts" in a car, which reduces maintenance costs; individuals "are buying cars for different uses," such as recreational purposes, as well as for travel to work.

"I like Ford, because to me it is the best of the three US automakers; their market share seems to keep expanding," says Max Katcher, portfolio manager of Ameritor Industry Fund, which has roughly 13 percent of its assets in Ford. Katcher does not plan to add any other auto stocks at this time, however.

Perhaps the best-known auto-linked fund is the Fidelity Select Automotive Fund (down about 6 percent this year). Established in 1986, the fund is useful in that it is essentially for investors with a special affinity for cars - or who like to "time the market" - says Morningstar analyst Justin Craib-Cox.

Because auto stocks are interest-rate sensitive, they are cyclical, sometimes up, sometimes down, depending on trends within the economy. Thus, they are perfect vehicles for mutual fund "day traders," that is, investors who frequently move in and out of funds to track economic cycles.

Jim Lowell, who tracks Fidelity funds with his Fidelity Investor newsletter, recommends that his readers sell their shares in the auto fund. (He also has a "sell" recommendation on two other transportation-related Fidelity select funds, Air Transport and Transportation.)

The key to continued gains from auto stocks remains what happens to interest rates, Mr. Craib-Cox says. If rates remain about what they are now, sales should continue to do well. If rates drop, sales should be even brisker. If rates go up, then sales will likely slow - bad news for sector investors in auto stocks.

As of July 10, 2013, the Consumer Financial Protection Bureau (CFPB) is taking complaints from consumers about all types of consumer debt collection, including auto loans, credit cards, medical bills, mortgages and student loans. Complaints may be lodged with the CFPB by telephone, fax or internet. Under this new system, the CFPB expects to reach a decision regarding the majority of the complaints within 60 days. 041b061a72


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