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Show news TOP TIMES July 17, 1W HILL iratferesi reatfes vary greaflly; shop around For bestf deal 0 Hilf such as the amount borrowed and the time the loan is held, the loan with the Trent Searle AFB Family Support Center lowest APR will be the best credit deal. The term of a loan will also affect its Ever gone shopping for credit? Most people don't and they end up throwing money put the window. Interest rates at banks, savings and cost. For example, a loan payable in one year is usually less expensive than one for two years since interest accumulates for a longer period of time. Since the cost of credit increases with the length of the repayment period, compare contracts for different lengths of time to decide whether the lower monthly payments are worth the extra cost involved. Here's some good advice to follow loans institutions, credit unions', personal finance companies and retail stores vary greatly. While one bank may charge 19 percent interest on the balance due from their VISA customers, one across the street may only charge 14 percent. How can a bank charging 19 percent keep their customers? It's easy, since very few customers compare interest rates and other related charges. Comparing the cost of credit from various sources is necessary for a person shopping for the best deal. The g Federal Law makes because easier it requires the borthis rower to be told the rates, as well as the dollar cost of credit. People should remember that the cost of credit is not determined by the annual percentage rate alone. Other factors, such as methods used to calculate interest, the term of the loan and other charges such as annual and transaction fees also have -' "; an effect. Before taking out a loan, compare the APRs of those loans being considered. If all other factors are the same, that will keep the cost of borrowing SSgt. Paul H. Kirby's winning yard. Make as large a down payment as possible. Best yards Borrow the least amount possible. possible. D Pay bills on time to avoid late charges. Use credit only when .: costs and shopping for the best loan, the personal financial management program manager at the contact Hill. AFB Family Support Center, Bldg. 308, Ext. 74681. like '86 V.W. JETTA GL Low priced European Road '83 4-d- r. 1 1 ,. Sedan Loaded, 7.. LX month warranty.... '82 MAZDA nXJ QSL Loaded, 1 3- '85 SUDANI nx Tunso 1 mo. '06 AUDI 5000 S Loaded, air, windows, locking, stereo, warranty n U GLC, LX mo. warranty G9EEB BUM FOR THE FIRST TIME EVER ON NEW TOYOTAS 1 irians JJE momiED FOR V0UR COWuEtJltllCE ALL SOLE PRICES 4 lOO ilfvUU Jl OOOHn Like new, loaded, luxury, warranty Thunderbird Park; SSgt. Karl A. Reese, 3178A Lexington, and SMSgt. John F. Willette, 3359A Liberty Road in Patriot Hills; and SSgt. Steve A. Washington, 4121B Bedford Circle in Freedom Terrace. Each winning family receives an American flag, a dinner for two and an improvement for his home, according to housing officials. 0"57Oftf if VUU '85 AUDI 5000 S JJ OlOHn sSJKJ WALL AVE. (3333 n SHU88 4 $onn J jKJKJ Like new, hard to find, with warranty neth E. McClure, 268 Vampire in IF VOU'ffllSSED THE SALE fV XJJVJ $A gI OO j '04 v.w. camper 1 lu J FINANCING OAAHH UUUU warr And this is super nice, with 1 month warranty Economy, sparkles, rr X. '05 NISSAN 200 SX TURBO '84 MAZDA - 0 AinH USlUU month warranty Sharp, sparkles, A CIVIC take a test drive month warranty , '04 HONDA ACCORD it O AOO ZjVUw . economy and quality month warranty 1 f rv U 71 U 3000 $nftOn UUVw Y.V7. RADDIT '02 HONDA I I warr. mo. 1 y v Oft VUw 5 Q HU '03 V.W. JETTA GL A good solid car, 11 m rv T-m- no it, u "V ' new, loaded, try aEGOHTiEauE $lonn VUU Under 20,000 miles, super sharp Kirby, 4084B Charlestown Loop in Freedom Terrace. May's winners were SSgt. Ken- "FIRST & NATIONAL BANK npff fHHBUDEtd 1 '85 CIIEV. CITATION Hill ZIONS i:ora ran van you'll like it......... it's really needed. , For more information about credit : tabbed at Four servicemembers and their families maintained their yards so well during June, that they were picked Yard of the Month winners by Hill AFB housing officials. The housing office staff sponsors the Yard of the Month Program from May through August. Winners in June were SSgt. David S. Collier of 163 Valiant in Thunder-bir- d Park; MSgt. Donald R. France, 3177A Lexington, and Capt. Donald R. Butcher, 3241A Princeton, both in Patriot Hills; and SSgt. Paul H. Shop around for the lowest annual percentage rate. Pay back the loan as soon as non-intere- st Turbo, Yard of the Month down: Truth-in-Lendin- '06 Fono (U.S. Air Force Photo) Volkswagen f? Porsche att-it- O n Audi )) mm I SALES 394-570- 1 PARTS 627-121- 4 SERVICE 627-123- 4 BODY SHOP 627-123- 4 |