When buying a car, there are several different factors you need to take into consideration – finding the right style of car, deciding whether to buy used or new, narrowing down on something in your price range, and getting a loan for the chosen vehicle. While no part of this is easy, getting a loan can really throw a wrench into things.

The biggest challenge you’re likely to face when trying to get a loan is that of excessively high loan rates; people get gouged on loans all the time and it can be for any of a number of reasons.

How do you know if you’re paying too much for your auto loan? These 3 factors are common indicators that you could be getting a better rate.

You Got Your Loan At The Dealership

Unless you’re buying your car from an individual, you’re probably already at the dealership, so why not work with them to get a loan? For one simple reason: you won’t get a good rate. 

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We’ve all been there – totally broke and up against a financial wall. It’s a terrible place to be, but how you respond says a lot about your character and your ability to thrive in the long term. You can despair and end up in debt or you can get creative and replenish your savings.

So what will you do when you’re facing money woes? One or more of these 4 strategies can help you get back on your feet.

Get A Side Gig

We’re living in the era of the gig economy and that means working independently on an often unusual schedule – but it also means that you’re free to work on your terms. If you’re low on cash, consider signing up for TaskRabbit to nab small jobs in your community. You can offer to help people move, clean their house, or mow their lawn, all for a fee.

Another option you might consider is driving for Lyft or Uber. If you already own an approved vehicle, this can be a great way to pick up some extra money, especially if you’re willing to drive during peak times. Don’t buy into their car rental program if you don’t have the right kind of car, though – that can drive you further into debt.

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If you love to travel and you’re constantly on the lookout for the best new places, Dubai should probably be on your radar. You might already know a bit about Dubai since it has become a haven for the rich and wealthy, but it’s not a locale that’s just about opulence (although there’s plenty of that too). 

You might want to see some of the sites the area is known for, including the Moon Tower Dubai, the Burj Khalifa, the Marina, The Palm Island, or the stunning coastline, but how can you travel to such a glitzy city if you’re on a budget?

Consider the following tips for making it to Dubai on a budget.

Visit During the Summer

Dubai is hot. Incredibly hot. That’s why in terms of weather, the prime time to visit is between November and March. The winter months are still pretty hot, but the weather tends to be a bit milder, and there’s plenty of clear skies and sunshine. That’s also the time of year when it will be most crowded and most expensive.

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If you have been thinking about switching to satellite TV, then you know that there are two key satellite companies yearning for your business. The two are always trashing each other’s reputation via advertising commercials in a bid to win more customers. If you get to see a commercial made to popularize DIRECTV commercial, you can believe that DISH is terrible. In case you watch a DISH commercial, you can end up believing that DIRECTV offers sub-standard services. In such a situation it gets hard to know who is really telling the truth and which option among the two offers the best value. Here we size up the two competitors to find out the most outstanding option.

Why DIRECTV Satellite TV?

DIRECTV is part of AT&T and has been in the market for about 16 years. It is considered to be the biggest and oldest of all the satellite TV service providers present in the United States. It boasts of over 19 million subscribers more than any other company in this industry. The company relies heavily on its marketing catch phrase that it provides the best value ever in the whole satellite industry. DIRECTV includes local channels in every package and offers the most sports action in HD. It offers elite sports packages that include NASCAR HOTPASS and NFL SUNDAY TICKET. Below is a breakdown of its features, offers and services in order to substantiate its claims.

How Does DIRECTV Packages compare?

New customers to DIRECTV will have a choice of choosing the following packages when they make the switch.

  • SELECT package is $50 for 150+ channels
  • ENTERTAINMENT package is $55 for 155+ channels
  • CHOICE package is $60 for 185+ channels
  • XTRA package is $70 for 230+ channels
  • ULTIMATE package is $75 for 245+ channels
  • PREMIER package is $125 for 325+ channels

What Are Current DIRECTV Promotions?

Currently DIRECTV is offering a free Genie upgrade, NFL Sunday ticket is included at no extra cost for the CHOICE package and above and three free months of STARZ, HBO, CINEMAX and SHOWTIME (CHOICE package and above). DIRECTV ON DEMAND as well as thousands of movies and shows included. Local channels are available for U.S. households as well as professional installation. There is no equipment that customers should buy. There is no-start up costs and the signal reliability is 99.9% according to Hdbundles.com.

What are HDTV extra Options?

In order to get HD Access, you should add an extra $10.00 every month. It offers the most in HD sports and DIRECTV has exclusive rights to air NFLSUNDAYTICKET. It offers more than 170 full time HD channels and boasts of the newest technology. This technology enables viewers to enjoy their favorite movies, sports and shows anywhere using their cell phone, tablet, laptop and TVs at home. 


DIRECTV offers GenieGo and Genie as part of its state of the art DVR service. The Genie enables viewers to enjoy full HD experience in up to eight rooms, record any five HD shows at the same time and watch them on as many as five mobile devices including cell phones, laptops and tablets. No internet connection when the GenieGo device is available. The Genie allows four different recorded or live shows to be shown in as many as four rooms at once. It is also possible for viewers to catch up on past episodes that run as far back as five weeks. 

What Are Customer Satisfaction Ratings?

DIRECTV boasts of a JD Power award for its excellent customer satisfaction. DIRECTV has scored highly in customer satisfaction for more than a decade compared to the other cable companies. This is in the measures conducted in the American Customer Satisfaction Index. DIRECTV ensures that over half of its employees work hard to deliver the best services to its customers whenever they call, work with installers or are involved in the management of their accounts online. The company aims at ensuring that its customers rely on it when they want their needs to be effectively and professionally met. 

Satellite TV service by DISH 

DISH was established by EchoStar back in 1996. It is the company that has emerged as the main competitor to DIRECTV. It offers thousands of TV shows and movies on demand by just pushing a button. The company also offers the DISH Anywhere™, which allows viewers to watch their favorite programs on their smart devices like an Android phone or iPad. Below is a breakdown of its main features, offers and other important details about the DISH. It is among the fastest growing at the moment and it boasts of over 14 million subscribers. It has some cheaper plans which could be the reason for its fast growth. Its $10 per month basic plan is cheaper than the cheapest plan offered by DIRECTV. It comes with a big guide that is easy to read, unavailable channels are shown in red and you can create 4-5 diverse favorite lists for the family members.

How Does DISH Packages Compare?

DISH packages include;

  • The America’s Top 120 plan that costs $24.99 and has 120 channels
  • The America’s Top 200 plan that costs $39.99 and has 200 channels
  • The America’s Top 250 plan that costs $49.99 and has 250 channels
  • America’s Everything Pak that costs $84.99 and has 295 channels that include movie channels.

What Are Current DISH Promotions?

At the moment, the DISH is offering HD Free for life with the qualifying packages. There is the BLOCKBUSTER @ Home® offered free of charge for three months. New customers also get a free Hopper® Whole-Home HD DVR with the qualifying packages. There is a free standard expert installation that is done in up to 6 rooms as soon as 24 hours after making the order. There is no equipment that should be bought. 

How Many HDTV Channels Dish offer?

New customers can access HDTV free for life and HD Access starts at $10.00 monthly. Customers can get up to 3 HD receivers at no added costs. New customers get the first HD DVR receiver and an additional 2 HD receivers at no cost. Over 200 HD channels are available on the DISH.

How Good is DISH DVR?

DISH offers whole home DVRs like Hopper, Joey, Virtual Joey and Super Joey. It also offers DVR receivers like DuoDVR® ViP 722k (HD), DuoDVR® 625, SoloDVR ViP 612 (HD) and SoloDVR 512. 

Customer Satisfaction

DISH has a JD Power award for customer satisfaction. In 2010, DISH emerged as the top in customer satisfaction among the cable and satellite companies. This was after the tabling of results from the American Customer Satisfaction Index (ACSI) in 2010. 

Final Thoughts And Verdict

DIRECTV & DISH Comparison Chart

DIRECTV wins on almost all fronts as it offers viewers with more channels, overall content and sports packages when compared to DISH. Even though it costs more than DISH, it is highly preferred by sports enthusiasts. DISH is cost effective and this makes it an attractive option. If you prefer getting the most channels to match the value of your money, you should go for DIRECTV. If you are operating on a budget but still want to enjoy a number of great channels, you should opt for the DISH. 

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