Ford Freestar

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Ford Freestar
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It was bound to happen again. As soon as the automakers ended their fabulous "employee pricing" program, other incentives would have to be introduced. The American car buying public is hooked on them, thanks to over four years of some of the best incentive plans out there. If you are ready to buy a new car, low interest car financing can work great for you especially if you were planning to purchase your car with cash. Let's examine some of the current plans and how you can save yourself a lot of money.

Quite a few of the current auto financing plans available at this time involve both 2005 as well as 2006 models. However, the best deals are reserved for the 2005 models because even after "employee pricing" has ended, there are still several slow selling models that need to be removed from dealer lots. These models are the ones most likely needing extra special incentives to be moved out.

Ford: Across the board low interest rates are now being touted by Ford Credit. Exceptions apply to a few new models such as the Fusion as well as to the hybrid Escape SUV. If you are interested in purchasing an Explorer, Taurus, Crown Victoria, Ranger, Freestar, Expedition, F150, or the Thunderbird, Ford Credit will finance your 2005 vehicle at 0% interest for 36 months. This interest rate is only given to those customers with high credit scores, but low interest rates starting at 0.9% are also available. In some situations Ford offers cash back rewards totaling as much as $5000 as an alternative to financing, so get your calculator out and see which plan works best for you.

GM: Like Ford, General Motors is offering reduced rate as well as zero percent financing on a number of cars through their financing arm, GMAC. Zero percent financing is even available on some 2006 models, so shop around for the best deals. 2005 models eligible for zero percent financing include: the Cadillac Escalade; Buick Terrazza; Chevrolet models including the Malibu, Suburban, Uplander, Monte Carlo, and Tahoe; GMC Yukon and Yukon Denali; Saturn Relay; and the Pontiac Montana SV6. 2006 models eligible are limited to several Cadillac Escalade models at the present time. Just like Ford Credit, GMAC reserves the 0% financing for their most credit worthy customers. Other low financing plans are available as well cash back incentives.

Chrysler: Chrysler Financial is not as generous as Ford Credit and GMAC in this latest incentive battle. Quite frankly, they do not have to be. Unlike Ford and GM, Chrysler's sales are holding their own thanks to popular new models that are being snapped up with or without incentives. Still, certain 2005 models are available for 0% financing for 36 months including all PT Cruiser models and the Sebring convertible and sedan [but not the coupe]. Just like Ford Credit and GMAC, Chrysler Financial has an alternative "cash back" incentive in place should you prefer taking the money instead.

So, what should you do? If the model you want to purchase offers 0% financing or $3000 cash back, you would likely do better to take the cash back and forego the financing especially if you were planning to pay cash for your car. This means that the $23,000 PT Cruiser Convertible GT would cost you $20,000 after your $3000 incentive kicks in. Keep in mind that at this point your car is now a one year old vehicle. Even after incentives you must ask yourself this question: is the PT Cruiser is still worth $20,000 new? Only you and your Kelley blue book will know for sure!

What if you can't pay cash? Well, foregoing cash incentives means that your $23,000 one year old new car likely will still cost you $23,000 unless you were able to negotiate the sticker price lower before any serious discussions about financing kicked in. Good luck with that! The better plan would be for you to secure low interest rate financing elsewhere in advance of visiting your dealer and then grabbing the cash incentive. Many credit unions still offer very low financing rates on new car loans so shop around for the best deals.

The American public loved the "employee pricing" incentives for one big reason: it took the haggling out of purchasing a new car. Current incentive programs in place mean that the haggling will return; don't settle for your car's sticker price before negotiating a cash back or interest rate incentive. Remember, you are purchasing a one year old car and the value of the car today is much less than what the sticker price states. No matter what story your salesperson cooks up, your dealer will not lose money on the sale of your car. Behind the scenes [or secret] incentives from the automaker to the dealer to get rid of slow selling vehicles is something you never see. These incentives can translate into several thousands of dollars so you want a piece of that action in addition to whatever other incentives are in place.

If your dealer isn't willing to budge, then take your business elsewhere as you are in the driver's seat. Chances are they will accept your offer just so they can move a slow seller off of their lot.

Matthew Keegan is The Article Writer who writes on just about any and every issue imaginable. You can preview samples from his high performing site at http://www.thearticlewriter.com

A Look At The Mercury Monterey And Mountaineer Engine

If you're into family vans and mid-size SUVs, you'll want to take a look at the engines of the Mercury Monterey and the Mountaineer and what makes them a hit with satisfied owners.

The Monterey minivan was launched in 2004 to replace the Mercury Villager, derived from the Ford Freestar with added features. It held its own as a versatile family van with good safety and luxury features.

The Mercury Monterey engine is a 4.2-liter V6 Essex, putting out 201 horses and 252 lb·ft (342 N·m) of torque with a 96.5 mm bore, 95 mm stroke and 9.3 compression ratio. This engine is standard equipment on all models marketed in Mexico and Canada.

Ford stopped producing the 4.2-liter V6 after 2008, drawing the curtains on the engine, but not before it had proven its worth as replacement in the 1997 model year for the Ford 300 straight six (used by the F-150), which was beginning to show its age.

The Mercury Monterey engine sports a sturdy cylinder head design that addressed the problem of cracked heads. It also has hydraulic roller lifters that required lower maintenance than previous designs that were prone to oil contamination and tended to require early replacement.

This pushrod OHV was produced until 2000 and was used in the Ford Explorer, Ford Aerostar, Mazda B4000 and Ford Ranger, as well, making it a worthy workhorse for many and not just a Mercury Monterey engine.

The Mountaineer, a good choice offering generous space for families who go for occasional off-road driving, has two engine choices: The Cologne, a 210-horsepower 4.0-liter V6 and the Modular, a 292-hp 4.6-liter V8.

The standard Mercury Mountaineer engine is a V6 that packs 254 lb-ft of torque with a hefty towing capacity of 5,305 lbs, while the 3-valve SOHC V8 delivers 315 lb-ft to two up to 7,040 lbs.

The Modular has an interesting history. It belongs to Ford Motor Company's overhead camshaft (OHC) V8 and V10 gasoline engine family, which gradually replaced the Windsor small-block and 385 big-block engines over several years in the mid-1990s.

This Mercury Mountaineer engine was initially produced in the company's plant in Romeo, Michigan, and then additional capacity was ramped up by the plant situated in Windsor, Ontario.

There is an interesting sidelight to the Mercury Mountaineer engine. Contrary to initial belief, the Modular's name was not derived from the way it was designed or shares parts with other members of the engine family, but it was named that way in honor of a manufacturing plant protocol, where the facility's layout and tooling infrastructure could be switched out in a jiffy to turn out differing versions of the engine's family.

If you are in the market for a Mercury Monterey engine, you should deal with a shop or supplier who is accredited with the Better Business Bureau (BBB). This is because BBB certification indicates that you will be getting your engine from a business outfit that follows ethical standards for customer service and satisfaction.

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The same is true for the Mercury Mountaineer engine. And for that finishing touch, ask for a six-month warranty or longer, like a year, for complete confidence on your purchase and your ride.

Does anyone one know how to add a reese universal hitch to a 2005 ford freestar?

I bought this universal hitch, I'm looking at the intstructions, but I can't seem to find the frame. LOL, I'm usually good with things like this but this is driving me nuts!

Your frame should run right behind the bumper. Look under your and you shouldn't have a problem finding your frame. It is the most solid piece of metal that the rest of the car is attached to

Newville man dead in 3:08 a.m. Dauphin County crash today
A 29-year-old Newville man was pronounced dead at the scene of a 3:08 a.m. crash on Interstate 81 today, according to state police at Harrisburg.

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