| How to Get Someone to Take Over Your Car Payments Posted: 05 Dec 2016 04:00 PM PST Are you stuck with a lease or loan for a car you just don't want any longer? Many leases, and some loans, allow a new person to assume the remaining term of the lease, taking over the vehicle and the payments on it. This person could be the person you are selling your car to, allowing you to walk away from the transaction without any more payments hanging over your head. This is not simple and you need to take care to ensure everything is fully documented and agreed with your leasing company. EditFinding Out If You Can Transfer an Auto Loan - Determine whether it is a lease or a loan. You will no doubt already know this, but if you are in any doubt be sure to clarify whether your have leased the car or have an auto loan. A loan would mean that you have in effect bought the car and you are paying off the cost in instalments to a bank, auto dealer, or other financial institution. A lease, on the other hand, is a limited term contract that will expire after a certain length of time.[1]
- If you are leasing a car it is generally easier to transfer the lease to another person than it is to transfer a full auto loan.
- It is often not possible to directly transfer one loan between two people, but there are alternative ways to bring about the same result.[2]
- Check your loan contract. Before you go any further you need to make sure you understand your contractual situation. Thoroughly read through all the documentation you have about your auto loan, looking for information about your options if you are struggling to make the payments, or want to get out of the contract early for whatever reason.
- There may be options in your contract to sell the car and pay off what you owe, or to trade in the car for another model and adjust the loan accordingly.[3]
- If you are uncertain about your position, contact the loan company and consider getting some legal advice from an attorney.
- Speak with your creditors and find a buyer. Once you have established your position with your loan company, you may well find that your best option is to sell your car privately. You could then use the money to pay off the amount you owe, with the new owner making the payments to the bank or loan company. If you decide this is your best option you need to have the agreement of your loan company before you go ahead with it.
- Until you have paid off all the debt on the car, you will not completely own it, so you will need to get permission from your loan company to sell it.
- Taking responsibility for the sale yourself will make it more likely that you will get a good price than if you left it to the creditor to sell.[4]
- Defaults and repossessions are costly for creditors so they will most likely be interested in alternatives if you can't make the payments.
- If you have an agreement with a friend or family member this can help the process move more quickly.
- Come to an agreement with the buyer and your loan company. The simplest way to effectively transfer an auto loan between between two people is for the new owner to take out a loan which he uses to buy the car from the old owner. The old owner will use the money from the new owner to pay off the amount he owes to the loan company and the car's ownership would be transferred to the new owner.[5]
- If you are operating with one loan company this process could be more straightforward than if you are dealing with multiple organisations.
- By doing this you are basically transferring the loan and the outstanding payments to another person.
- Make sure that you also transfer the title of the car to the new buyer, in accordance with the laws in your state. Notify your insurance company that the car is no longer in your possession.
EditDetermining Whether a Lease Take Over is Permitted - Check your contract. The first thing you need to do is make sure that there is an option in your leasing contract to transfer it to another person. This varies from company to company so you need to know where you stand.[6] If you are unsure whether your lease agreement allows assumption of the lease, consult the leasing company or an attorney.
- Generally, leases are easier to transfer to another person than loans are. If you are only leasing the car, you are not working towards buying it outright, so the contract will be shorter than a full auto loan.[7]
- Speak to the leasing company. After you have checked your loan agreement, you should contact the leasing company directly to discuss your options and the possibilities. Before any lease assumption can be made, you will need to have it signed off by the leasing company, so it's a good idea to talk to them in the early stages. Some leasing companies might work with you to determine whether they consider an assumption as a good and viable option.[8]
- Some companies may work on a case-by-case basis, so they may be able to help you with the process.
- Consider your options. If you are struggling to keep up with your lease payments or your circumstances change and you decide to try to pass on the lease, you should take some time to consider your various options and the impact they will have financially and on your credit rating. It can be very expensive to terminate a lease early, and defaulting on the lease will lead to repossession and a significant black mark on your credit record.[9]
- One alternative might be just to sell your car outright rather than transferring the lease to someone else.
- If you are in negative equity, meaning the value of the car is less than the amount outstanding on the lease, selling the car won't cover your debts.[10]
- You may be able to work out a deal with your creditors that enables you to turn in the car. So always speak to the leasing company about your options.[11]
EditFinding a Third Party to Assume the Lease - Contact a specialist company. Perhaps the easiest way to find someone to take over your lease is to go through a company that matches people with leases. For a fee, these companies will help buyers and sellers connect and act as a go-between which can assist in the process and vet potential buyers and sellers.[12]
- Search online for car lease swap companies and look for customer testimonies and companies with positive feedback.[13]
- Weigh up the costs of the fees with the value of the service being provided. If you need to find a buyer quite quickly, it could be worth it.
- Some lease swapping websites will enable you to search by make, model, and year.[14]
- List your lease online. An alternative to employing a lease swapping company is to list the lease online yourself, and deal with any interest you get from the advert. If you opt for this approach, you will have to do more of the work to find a buyer and negotiate a deal, but you will avoid the costs of employing someone else to do it. There will be listing and registration fees, so be sure you shop around to find the best deal with a reputable company.
- The fees will vary but you should expect to pay around $200 to register with the listing site and place your listing.
- There will be optional extra costs that will boost the visibility and presence of your advert.[15]
- Advertise it locally. The classified section of your local paper is a good place for an ad seeking potential drivers to assume your lease or take over your loan. Run an advert with a photograph of the vehicle, mileage, general condition, amount of monthly payment, and term remaining on the lease.
- You can also use social media websites. If you use Twitter, Facebook, Pinterest, LinkedIn, or any other social media site, post an ad on it.
- Be sure to include a photograph and the amount of the monthly payments, as well as the remaining term of the lease.
- Talk to friends, family, and co-workers. Let friends, family, and co-workers know that you are looking for someone to take over your loan or lease.
EditTransferring the Lease and the Vehicle - Contact your lease company. Once you have found someone to assume the lease, you need to work with your leasing company to ensure everything is properly agreed and all the paperwork is complete. Each financial institution has its own procedure for lease assumption, but the procedure generally includes:
- Submission of credit application by the new owner. When taking over a lease, a potential owner/lessee will have to fill out a credit application and be approved for the total amount remaining on the lease.[16]
- Payoff or transfer of the current lease. Once the new owner/lessee is approved for purchase/lease of the vehicle, the lease or title will be transferred to him or her.
- Creation of new lease in new lessee name. When lease for the vehicle has been opened or transferred, the new lessee becomes responsible for the remaining payments on it.
- If you are operating through a lease trading company they will guide you through this process.[17]
- Take the buyer for a test drive. The buyer will no doubt want to take a test drive in the car before completing the deal. They will also want to inspect the vehicle to verify that is in the condition you stated in the listing or advert.[18] This is important for both buyer and seller, as you will both inspect the car together and agree on its condition. Having a clear and recorded understanding will avoid potential disputes down the line.
- The seller should always accompany the buyer on the test drive.
- Be sure you are present for any independent inspections of the vehicle. It can be helpful to take photographs to ensure that you have proof of any minor blemishes or damage.[19]
- Prepare the vehicle for its new owner. When turning over a vehicle to a new owner, you will want to be sure to remove all personal items. That means taking out your iPod, gloves, charger cord, and any other items of personal property out of the vehicle. After this, be sure you clean the interior of the vehicle. Wipe down the dash, doors, and steering wheel, and clean the inside and outside of all the windows. Take the vehicle through the car wash or wash it yourself. Be sure to put a nice wax on it when you are through.
- Turn over the vehicle. Depending on the arrangement you have reached, you will pass the car on to the leasing company, lease trading company, or directly to the person taking over the lease. Follow the instructions you have been given by your lease company to turn the vehicle over. Most companies will pick up the vehicle and handle turning it over to the buyer.
- If you are in possession of the title to the vehicle, you will need to sign it over to the new owner or your financial institution. Check with the lease company for instructions on whom to sign over title to.
- Contact your state's Motor Vehicle Department to transfer ownership. This will eliminate the possibility that you might be held liable for any damages after the transfer.
- Once the paper work is all complete, and you have handed over the keys, the process is complete.[20]
EditLeasing the Car to Someone You Know - Ask around friends and family. Another option is to allow someone you know and trust to use the car and make payments to you which you then use to make your lease payments. If you are considering this option, you should approach trusted friends and family who might be interested in taking over the lease.[21]
- Contact your lease company. Before you consider this you should check your leasing contract to see if such an arrangement is expressly forbidden. Simply allowing someone to take over your lease contract without the involvement and approval of the leasing company is likely to violate your contract.[22] If you have a trusted family member lined up to take on the lease, the company may look on the proposal more favourably.
- Speaking to the leasing company can help you decide whether to transfer the ownership completely by putting the lease in someone else's name.
- If you do this the new lease holder will have to be checked and approved by the lease company.
- The alternative is to keep the lease under your name and have the other person pay you directly, but this may breach your contract, so be sure that you are clear.
- Understand the risks. This more informal arrangement comes with inherent risks that you should understand. If someone is using your car and making payments to you, you essentially become a creditor so if the person stops making payments to you, you will have to repossess the car. This can be difficult and complicated. You will still need to make the payments on the lease regardless, so you are exposing yourself to risk.[23]
- Any damage to the vehicle will see its value depreciate and push you into negative equity.
- If you own the car, you will need to add the new driver onto your insurance, which will likely raise the premium. If you do not, the driver will not be covered, which is often illegal.
- Due to these risks you should carefully consider the risks before embarking on this kind of arrangement.
- Think about the trustworthiness of the person, as well as his ability to make the required payments to you.
- If the car remains in your name, you will be liable for any parking fines or other charges that might be incurred by whoever is driving.
- Ensure you have legally binding written agreements with whoever assumes your car lease.
EditSources and Citations
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| How to Make Perler Bead Keychains Posted: 05 Dec 2016 08:00 AM PST Perler beads are a surprisingly versatile craft material. They were originally marketed to children, but have been used to create cute geeky hair clips or "sprites" of video game characters, among other things. Perler bead keychains can be a great way to accessorize a purse, backpack, or lanyard in a unique and inexpensive way. EditMaking the Perler Design - Gather your materials. While Perler beads, jump rings, and Perler accessories can usually be found in craft stores, you might have to order the key chains online. You can also just use string to attach your creation to the item you're accessorizing.
- Prepare the work area. Pull out a pegboard, if you're using one, or use a hard, iron-safe work surface like a wooden table.
- Make your pattern. Arrange the Perler beads on the pegboard or surface in whatever pattern you want, such as a heart or Pokeball. Use a picture for reference if you need to.
- Prepare to iron. If using a pegboard, carefully transfer it to an ironing board and turn on the iron. If not using a pegboard, leave the beads on the surface and turn on the iron. Place a sheet of parchment paper or Perler ironing paper over your design.
- Make sure the iron is on a "dry" setting, not a steam one.
- Press the hot side of the iron over the beads. Carefully move it in a circular motion, making sure that all of the beads are fused. Pressing too hard or moving too roughly can knock beads out of place! Completely fused beads shouldn't have visible holes in the center.
- Set the iron aside. Put a heavy flat object on top of your creation and let the beads cool.
- Remove the heavy object. Lift the fused beads and flip them over, then iron the back for a smooth, finished look.
EditTurning Your Craft into a Keychain - Carefully poke a hole through one of the perimeter beads. If you have jump rings, spread one open with your fingers or jewelry pliers. Push it through the hole in your creation. If using string, thread it through the hole.
- Secure the jump ring around the key chain's end, joining it through the key chain's last link. If using string, simply loop the string through the key chain's last link (you can loop it through more than once for extra strength), tie it off in a knot, and trim the ends.
- Attach the key chain to a buckle, zipper tag, or decorative metal loops on the purse/backpack/etc. Alternatively, tie the Perler bead creation directly to the purse/backpack/etc. using string.
- The heavy object placed upon the Perler pattern during cooling helps prevent the beads from warping.
- A picture can be really helpful in figuring out your design!
- Using more than one bead color can add depth to your design.
- The ironing paper or parchment paper protects your iron from the plastic beads. I've found that using parchment paper works just as well as the official Perler ironing paper, but feel free to experiment.
- Using a pegboard is recommended, because otherwise it's very easy for the design to be skewed or knocked out of place.
- Be careful when using the iron! Have an adult do it for you if you're not experienced with them.
EditThings You'll Need - a pack of assorted Perler® beads
- "pegboards" to make them easier to shape (optional)
- an iron
- parchment paper or Perler ironing paper
- key chains with rings
- open jump rings or thread
- an image of the design you want to make (optional)
EditRelated wikiHows
EditSources and Citations |
| How to Remove Tonsil Stones (Tonsiliths) Posted: 05 Dec 2016 12:00 AM PST Tonsil stones, also known as tonsilloliths, are small, off-white deposits that you can see in the craters of your tonsils.[1] They are usually caused when bits of food get lodged in these craters; bacteria start feeding on them, digesting them until they turn into the foul-smelling gunk we know and hate. Tonsil stones are not uncommon for people with deep tonsil craters. Although they are regularly dislodged during coughing and eating, and medical or home intervention is often unnecessary, there are several methods for removing these deposits and prevent their recurrence. EditRemoving Stones with Cotton Swab - Assemble your materials. Get together the cotton swabs and other necessary components:
- Cotton swabs
- Toothbrush
- A mirror
- Flashlight, flashlight app, or lamp that you can direct.
- Running water.
- Shine a light down your throat. Open your mouth and shine the light into your mouth. Do this in front of a mirror so that you can locate the tonsil stones.
- Flex your tonsils. Close off, or flex, your throat muscles while sticking out your tongue. Go "Ahh," and tighten the muscles in the back of your throat. Do this while holding your breath, almost as if you were gargling water. This should push your tonsils forward so you can see them better.
- Prepare the cotton swab. Run water and dab the cotton swab into it. This will make it softer and less irritating for your throat.[2] Don't put it down, or you risk contamination. Minimize the contact your cotton swab makes with any germ-carrying surface, including your hands. When you remove the stones, shake them off into the sink without touching your swab to any surface, or wipe them on a clean paper towel.
- If you touch something like the sink or counter with your swab, trade it for a new one.
- Poke at the stones gently with your cotton swab. Press or poke at your stone until you dislodge it. Carry it out of your mouth on the cotton swab.
- Be very gentle, as bleeding may occur. Although a little bit of bleeding is normal, try as much as you can to minimize the bleeding.[3] Cuts and wounds can get infected by the same bacteria in your mouth that cause tonsil stones.
- Rinse if bleeding occurs, and brush your teeth and tongue as soon as it stops.
- Rinse with water and repeat. Rinse with water and move on to the next stone. Rinse especially if your saliva feel sticky, which sometimes occurs after the throat has been poked. As sticky saliva starts forming, drink water to thin it out.
- Check for any hidden stones. After you have extracted all the stones you can see, place your thumb into your neck under your jaw, and your (clean) index finger into your mouth right beside your tonsil and gently try to squeeze any remaining stones to the openings (like squeezing out toothpaste). If no stones appear, don't assume they aren't there. Some craters are very deep and it is sometimes hard to get them all.[4]
- Remove stubborn stones carefully. If you have a stone that won't come out with a cotton swab, it may be especially deep. Don't force it, as this may cause bleeding. Use the back of your toothbrush to gently nudge it until it loosens, then remove it with the swab or with the toothbrush.[5]
- If the stones still won't come out, you can try gargling with mouthwash for a few days and then trying again.
- If that doesn't work, you may want to try using an oral irrigator. If this doesn't work, you can increase the stream a little.
- Keep in mind that some people have a strong gag reflex and will not tolerate poking.
EditUsing an Oral Irrigator - Buy an oral irrigator. Oral irrigators, such as water-picks, can be used to push tonsil stones out of their cavities.[6]
- Test it out briefly on your tonsils before you buy it—if the spray is too strong, and hurts in any way, don't use it to get out your stones.
- Use the irrigator on its lowest setting. Place the irrigator inside the mouth but not touching the stone, and switch on the oral irrigator on the lowest setting. Direct the stream of water onto one visible tonsil stone, keeping it steady until the stone has been dislodged.
- Help your stones along with a cotton swab or toothbrush. If the irrigator is loosening the stones but not removing them, alternate using the pic and using a cotton swab or the back of your toothbrush.
- Repeat steps for each visible tonsil stone. Remember to be gentle as you pressurize the stones away with the water.
EditGargling to Remove and Prevent Stones - Gargle with mouthwash after eating. Since tonsil stones often form after leftover food gets stuck in tonsil craters, it's prudent to gargle with mouthwash after eating. Not only will mouthwash improve the health of your teeth and gums, it will also help dislodge tiny bits of food before they become a meal for tonsil stone-creating bacteria.
- Make sure to use an alcohol-free mouthwash.
- Try it with warm water and salt. Mix one teaspoon of salt along with six ounces of water, stirring until incorporated. Gargle the salt water with your head tilted back. Salt water could dislodge bits of food from the crater while helping to soothe any discomfort caused by tonsillitis, which sometimes accompanies tonsil stones.[7]
- Invest in an oxygenating mouthwash. Oxygenating mouthwashes contain chlorine dioxide and natural zinc compounds. Oxygen itself hinders bacterial growth, making oxygenating mouthwashes helpful for treating and preventing tonsil stones.[8]
- Oxygenating mouthwashes are very strong, however, and therefore should only be used once or twice per week to avoid overuse. Supplement your natural mouthwash regimen with oxygenating mouthwash.
EditMedical Intervention - Talk to your doctor about getting a tonsillectomy. A tonsillectomy is a relatively simple and effective procedure. It is relatively low-risk, and the recovery period is often short, with throat pain and minor bleeding being the most common concerns.[9]
- If your doctor is concerned about your medical history, age, or other factors, they may advise you to go another route.
- Keep in mind that a tonsillectomy would only be recommended for someone with recurrent or very stubborn or complicated tonsil stones.
- You can also ask your doctor about removing your tonsil stones. Your doctor may be able to remove them using special irrigation equipment.
- Consider a course of antibiotics for persistent or severe tonsil stones. Different antibiotics, such as penicillin or erythromycin, may be used to treat tonsil stones, but they fail to reverse the underlying cause of tonsil stones, which is food being caught in the tonsils. There may be a relapse, and antibiotics may also have adverse side-effects. Most antibiotics kill off beneficial bacteria in the mouth and gut which would help do battle against the problem bacteria.[10]
- Ask about laser treatment. The tissue that deep tonsil pockets are made of can be removed via laser. Laser resurfacing smoothes out the surface of the tonsils so that they no longer have pockets and craters. This procedure is not without risks of its own, however.[11]
EditSources and Citations
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