PSALTER 46 Investment Services ™

         The Car Plan Programs


If you get it, then take it. If the dealership has a car in your desired color and equipment you want, and the salesperson offers $200.00 over an invoice, accept the offer. If not, get the best offer and take it to another dealer. If the second dealer beats the original proposal, keep the competition going and play it back to the first dealer. When you hit your target or come as close as you think, you can agree on the best price for you two. Now, and not before, is the time to talk about a trade-in for those who seek top-of-the-line automobiles, like the Ferrari, Aston Martin Vanquish, Lamborghini, Bentley, Rolls-Royce, Pagani Zonda, Bugatti Veyron, Porsche Carrera, and Maybach.

We offer "The Elite Luxury Brands Planner" for $499.99. This investment plan allows you to own the premier excellence in automobile brands. You do not need to be rich to have one of these cars. You need to invest in one of the premier brands of your choice. Like the rich, you would own one fully paid off. This package has many benefits. You can choose from the investment booklets what brand of premier cars matches your taste. You will receive a full line of IOs and ITRs to select from if you invest through this ordered package. It will come with a two-year free full-coverage insurance policy. A comprehensive no-cost repair plan policy for two years after the automobile warranty expires. Click here to order.

We offer "The Aristocrat Planner" for $399.99. It is designed for those looking for a new automobile between $150,000.00 to $450,000.00. This gives you the full line of investment IOs and ITRs. You receive benefits and advantages to your auto package to fit your requirements. If you invest through this ordered package, it comes with a one-year free full coverage insurance policy. A comprehensive no-cost repair plan policy for one year after the automobile warranty expires. Click here to order.

Bank Transfers. Any automobile over $30,000.00 would require a bank transfer for an account opening after filling out the Investors' Application Form.

When is the best time to buy a car? Stick to the budget you've already set, even if there are enticing roadshow offers. Newly launched car models are usually priced higher, so be patient and wait until the price drops before purchasing. Promotions, anniversary discounts, Black Friday, roadshows, and other flashy deals are sometimes designed to attract buyers. However, car prices usually increase before the discounts, so take your time with a hasty purchase decision during these seasons if the prices match your original budget. The only time car prices truly go down is when the COE price decreases. A genuine good buy is when the COE is low (although this is rare today.) The COE bidding closes on every first and third Wednesday of the month. Purchasing a car within three days before the COE closes is not advisable. Most dealers will increase prices to safeguard against COE spikes during this period.

Weekdays are the best time to visit the showroom as it is less crowded. You will have the sales personnel's undivided attention, and they will be obliged to answer all your car-related queries. Do your research beforehand so you visit a showroom only when you know what you want. The car showroom allows interested buyers to view the car before purchasing it. It is advisable to bring along your family members as they can offer valuable advice and feedback. Once you are there, be assured that a car salesperson will attend to you. Feel free to clear your doubts with the salesperson. Tell them the car you are interested in and other car models you are considering. This way, the staff on hand can explain the advantages of the particular model. Most models come in a few variants and trim levels. It helps you decide on the model best suits your budget and requirements. Refrain from buying from the salesperson who attends to you. You should be buying the car you like, not the salesperson.

During a test drive, aim to bring more people along to know the performance of the car when fully loaded. If you are a first-time buyer, try to test drive a slightly more expensive vehicle. This way, you can make a more informed decision, knowing where potential differences may lie. Always ask friends and relatives to go along to obtain feedback from the passengers. You don't want to be the only one enjoying the comfort of your car. Here are some things to look out for during a test drive:

Investing allows you to grow your money over time. It's a great way to diversify and build a solid mix of assets, including us or traditional methods. Investing allows you to turn your savings into something that can provide more returns and coverage.

                                                          Nathan Jones

New York

Are you in the market for a reliable car? Look no further than Toyota and Honda. These brands are renowned for their long-lasting SUVs, pickup trucks, and plug-ins. But, it's essential to consider other notable models to create a more diverse list. This list covers a broad spectrum of segments, and all of these cars are proven to stand the test of time. Earlier cars were less complex, with fewer parts that could go wrong. And, while some of the latest features may look brilliant today, we must consider how they will age in 12 years. The cars on this list are on the older side, but this is because they were built to last. Let's take a closer look at each one.

The Lexus LS 400 is the most reliable car on this list. It was entirely over-engineered, with Toyota setting itself several near-impossible targets. The attention to detail was wild, and it still looks and feels premium today. It was built to such a high standard that it's nearly unkillable. The Toyota Hilux is another reliable car that is famous for being impossible to kill. The sixth generation, built between 1997 and 2004, is the most robust of the lot. It comes with a 3.0-liter naturally aspirated diesel or the furious 3.0-liter KZ-TE with added turbocharging. The engine is less stressed than a beach bum on a weed binge. And, if it does require maintenance, you're guaranteed to find 99.9% of a sixth-gen Hilux's parts bin at a makeshift milk and bread shop in Zambia.

The Toyota Camry is one of the most reliable vehicles because of its simplicity. It has a transverse-mounted four—or six-cylinder engine, a simple front-wheel-drive setup, a massive cabin with seating for five in the middle, and a big trunk at the rear. Adding hybrid engines has maintained its reputation. The Mercedes-Benz E-Class predates the E-Class model designation, dating back to when the German brand completely over-engineered its cars. It's bulletproof and known for covering 500,000 miles with ease, requiring only minimal maintenance. This cheap runabout won't cost an arm and a leg made by Mercedes when it still understood what luxury meant. Lastly, the Honda Civic is another simple and reliable car, similar to the Toyota Corolla. These cars offer great value for money and will surely last you for years to come. Don't hesitate to get behind one of these reliable cars today!

Buying a car is a significant investment, like purchasing a home, yacht, recreational vehicle, or college tuition. However, unlike before, when you could buy an economical car for your family that would last for years for $20,000.00 today, cars come in various styles, price ranges, and options. The car buying process comprises two distinct but related steps. The first step is to decide how to pay for the car, which could include evaluating the pros and cons of dealer financing, bank loans, leasing options, or paying cash.

We are pleased to introduce "The Car Plan Programs (CPP)" to our valued customers. If you choose to finance or lease a vehicle from a dealership, PSALTER 46 offers a new Car Plan Program program. This program is designed to assist you in obtaining a new car with a short-term investment. The minimum investment required is $7,000.00, and you must wait for 16 months until the account matures. Once the account matures, we will purchase a new vehicle of your choice worth up to $32,000.00, and the car's title will be transferred to your name after purchase. The program also includes a one-year coverage insurance plan, paid by us, after purchasing your vehicle, with the title of ownership in your hand. You can enjoy having a payment-free car. If you do not spend additional funds from the vehicle purchase, they will be rolled into another new account. However, if the vehicle costs more than $32,000.00, the additional cost will be your responsibility. Your account will earn $1,562.50 per month after it matures. Click here to invest.

The second step in choosing a car is evaluating your car requirements. Do you need the seating capacity of a minivan or passenger car? What about the cargo space in an SUV or truck? We can help you make a different decision by knowing your buying needs for a new automobile. This will allow you to decide better on a short-term investment with us for your auto requirements, enabling you to have a fully paid-off car as early as 16 months. A new car can bring freedom and flexibility to your life, but getting there takes effort, time, and money. You must obtain permits, licenses, and registrations, and make sure your car passes all safety tests before you can hit the road. However, the feeling of accomplishment when you finally receive your plates is priceless. PSALTER 46 would assist you as a client in getting the required documentation to get you started on your automobile if needed. Despite the investment, owning a car can be a sound decision. It gives you the power to go wherever you want, whenever you want. And if you take good care of your car, it can last for many years to come. So, while obtaining a car may seem challenging, the benefits of having your vehicle can be well worth the effort.

Having your vehicle comes with many benefits. It allows you to travel anywhere at any time without having to rely on public transport. You can also save time and money by avoiding waiting for a bus or train. Additionally, having your vehicle allows you to take road trips and explore new places with your friends and family. It also offers privacy and comfort, allowing you to control the temperature and music and adjust the seat to your liking. Overall, owning a vehicle can significantly enhance your quality of life and give you a sense of independence. Are you looking for a way to own a car without debt? Look no further than PSALTER 46! Their debt-free car plans are available worldwide, allowing you to enjoy the independence and convenience of owning a car without the financial stress. With PSALTER 46, you can explore new places, save time and money, and enhance your overall quality of life. Don't let debt hold you back from owning a car – choose PSALTER 46 and experience the freedom of the open road debt-free.

When purchasing a car, evaluating your seating capacity and cargo space requirements is essential to narrow your options to a specific vehicle type. For example, you can rule out sports cars and coupes if you need a family car. On the other hand, a sporty coupe is what you're looking for if you're single. You should also consider how many passengers will regularly ride in your car and if you often need to haul oversized objects. If that's the case, a compact car might not be suitable, and you should look into an SUV or truck.

Before purchasing, it's crucial to forecast how much space you'll require. The last thing you want is to buy a new car only to find out later that you need more passenger or payload space. Once you eliminate cars that don't meet your requirements, you can focus on the specific vehicle type that suits your needs, such as an SUV, sedan, pick-up truck, minivan, convertible coupe, hatchback, or wagon.

Safety is also a crucial factor to consider, especially if you have a family. The car's security can be the difference between life and death in a severe car accident. You can review crash tests and overturn ratings for different vehicle makes and models at This website also provides information on motor vehicle recalls. Keep in mind that a safer car not only saves lives but also saves you money. Insurance companies use safety ratings to determine your premium. Reliability is another critical factor to consider. Car repairs can be expensive and leave you without a vehicle while it's in the shop. If you're buying a new car, ensure it has a warranty. You should also schedule additional maintenance when your warranty expires. Doing your homework and setting a target price before purchasing is essential. Thanks to the internet, you can quickly determine the dealer's cost for each vehicle and its options, which is the first step to getting the best possible deal if you're looking to buy a high-end car that fits your taste.

We offer the "Preferred Automobile Investment Plan (PAIP)." With an IO of $45,000.00 and a waiting period of 36 months until account maturity, the benefactor would receive an ITR of $245,300.00 for a new vehicle. This averages out to $5,563.88 monthly after maturity. If you have any leftover funds from the car's purchase, they will be rolled over into another new account of your choice. Remember that if the automobile purchase is higher than ITR, it is your liability. Click here to invest.

Buying a car with excellent fuel efficiency can save you money at the gas pump, which is especially appealing as oil prices rise. Refrain from dismissing a four-cylinder engine as being too slow. Modern four-cylinder engines produce a decent amount of power for their size and are less expensive than larger vehicles. This means you can save money both on the price of the car and at the gas pump. If you still need convincing, take a test drive and see for yourself. If it doesn't have enough power for you, go for the V6 model. You might have to choose between a V6 or V8 engine for oversized vehicles, as a four-cylinder engine might not be suitable.

If you're looking for a fuel-efficient car, we offer the "Fuel Economy Four-Cylinder Investment Plan (FEFCIP)," which provides a fuel-efficient vehicle to fit your requirements. You put in an IO of $5,000.00, with a 16-month wait period until account maturity. The benefactor would receive an ITR of $24,000.00 for a new economy vehicle of their choice. Averaged out, you would earn $1,187.50 monthly on your IPR if you have additional funds left over from the vehicle purchase. It will be rolled over into another new account of your choice as part of your COA. Click here to invest.

 Hybrid cars are an excellent choice for those who want to save money on gas while still enjoying excellent performance. Many models offer an impressive increase of over 10 MPG miles per gallon compared to traditional engines, making them an attractive and smart choice for drivers who value efficiency. Although the initial sticker price of a hybrid car can be higher than a non-hybrid model, the potential savings in fuel costs make them a wise long-term investment. In addition to their impressive fuel economy, hybrid cars are known for their excellent performance. Take the Hybrid Vue, for example, which can go from 0 to 60 mph a full second faster than its four-cylinder engine counterpart. While some may worry about potential maintenance costs, it's important to remember that all hybrid cars on the market have a warranty on all hybrid-specific parts for eight years or 100,000 miles, whichever comes first. Some manufacturers even offer a ten-year contract or a 150,000-mile guarantee.

So, a hybrid car is worth considering if you're looking for one that will save you money and provide excellent performance. While the initial investment may be higher, the potential savings on fuel costs and the peace of mind of a comprehensive warranty make it a smart choice for drivers who value efficiency and reliability. Don't hesitate to explore your options and see how a hybrid car can benefit you today!

By purchasing a Hybrid-electric or diesel-powered car or truck? The Energy Policy Act of 2005 established these credits to help alleviate the higher costs associated with Hybrid cars. To determine the estimated tax credits for any Hybrid vehicle currently on the market, visit the American Council for an Energy-Efficient Economy. However, remember that tax credits are limited based on the number of Hybrid vehicles manufacturers sell. Toyota has already reached this limit, resulting in the phasing out of tax credits.

If you're environmentally conscious and seeking a fuel-efficient vehicle, we offer, for $299.99 "The Hybrid Automobile Plan" is perfect. This comprehensive plan offers a range of fuel-economy cars to fulfill your specific needs. With a variety of IOs and ITRs to choose from, you can select the vehicle that suits you best. The plan is tailored to meet your investment intentions for a Hybrid automobile and includes a complimentary complete coverage insurance plan for the first year. Additionally, you'll receive a comprehensive no-cost repair plan policy for two years after the automobile warranty expires. Make an intelligent investment in your future. Click here to order.

When considering purchasing a new vehicle, it's essential to factor in the cost of car insurance. Insurance rates vary depending on the car type and location, with living in a large city and your age being significant factors. From a fuel economy perspective, manual transmissions are usually more efficient than automatic transmissions by 1-3 MPG. It's worth noting that an automatic transmission costs an extra $900.00 to $1,300.00 compared to a manual.

Depreciation in investment value is one of the most significant expenses associated with owning a vehicle. In the first five years of ownership, most cars will only retain approximately 35% of their original value, resulting in a loss of $20,000.00 in value for a $30,000.00 car. When purchasing a new car, consider making an intelligent investment by selecting the right vehicle to meet your needs. Don't hesitate to drive away in the car of your dreams while ensuring a wise investment for your future.

The resale or depreciation of that new car is something that only some buyers contemplate. Determining a vehicle's resale value has changed recently, especially with the current economic downturn. Automakers here and on the board have had financial difficulties and volatile gas prices in the last few years. Stabilized resale value has been tricky. Gas prices averaged out to $4.30 a gallon in the United States. Therefore, the resale values of those big trucks and SUVs took a nosedive in the marketplace. Those same trucks and SUVs have regained some of their value. As a result, how does one buy a car that will retain a high resale value in your investment? There are money factors to consider. First, look for a vehicle with consistent reliability or a dependable record. Many car publications will have that information for you as the consumer. Another important factor in resale value is the model's desirability you prefer if a car is perceived as stylish and fun to drive. You could retain as much as half the original value after five years if you choose a high-caliber name brand regarding the reliability record. Now that you have a slight idea of what to expect when buying a brand-new automobile, you can see the value in your investment through us.

We offer "The Depreciation Investment Plan" for $279.99. It is designed to help you keep most of the value of your investment after purchasing a new automobile upon selling it, with a required minimum time of four years following purchase. You can receive a check from us at almost the exact value of your car purchase after four years and after you trade-in or sell it. You can also put the payment into a new account. It can be used for vacation, purchasing something you need, or depositing it into the bank. It is your choice because it is your money! To understand how this plan works for you and with all its options. Investing through this ordered package includes a complimentary complete coverage insurance plan for one year. Click here to order.

This proposal aims to help you keep track of your vehicle's financial output over the years, allowing you to regain your capital gradually. It's worth considering as an investment option. Some people view their cars as investments because of their high price tags. However, when you invest, you expect to receive a return on the money you put into it. Homes appreciate over time, and stocks pay dividends, making them valuable investments. Unfortunately, cars don't offer the same benefits.

While you may be able to sell your car in emergencies to get out of debt, it is not an asset and depreciates over time. Most cars depreciate by at least $1,500.00 in their first year, with many decreasing in value much more than that. The average reduction is around $2,500.00 per year. Within the first five years of ownership, a new car will lose between $8,000.00 and $12,500.00 in value that you won't be able to recover.

We offer "The Car Plan Programs (CPP)." This program provides you with a purchase of a high-end vehicle that is debt-free and a title in your name in just 17 months! You no longer need to be wealthy to drive a luxury brand car. We have you covered if you want the most comfortable luxury cars. They include roomy sedans and more with old-school elegance, peppy luxury sports cars, and all-electric vehicles with modern flair. Take your driving performance to new dimensions with a sophisticated driving experience to make every mile memorable. The minimum amount required for this venture is an IO of $70,000.00, and there is a 17-month waiting period until account maturity. After that, we will purchase a new vehicle of your choice for up to $320,000.00, and the car's title will be in your name after purchase. Click here to invest.

It is significant to realize that as you make a car purchase, it is not an investment. They are big and often essential purchases. You should cautiously research all the options. You can look at how well your model and make of your car resells. Then again, realizing that you will only recover some of the money you made on the purchase is vital. Since it is a large purchase, you should consider all alternatives vigilantly. On the other hand, you only lose as much money when buying a used car since a vehicle takes its biggest downgrading hits in the first four years of ownership.

Ensuring your car's worth is less than half of your annual income is imperative. If you spend more, you spend too much on the vehicle. You can purchase a beautiful car that makes a good impression without making yourself go broke. If you feel that you need a luxury car, ask yourself why. Then, look at your annual salary and see what you can afford. Often, you do not need that car to continue in your current profession. That is why you should remember "The Depreciation Investment Plan" before or after purchasing your new automobile. You will receive money back on your vehicle from us.

Investment capital can be available from the auto purchase if your funds are only partially used upon purchasing a new car. It is rolled over into another new account of your choice as part of the Contract of Agreement (COA). For example, if you purchase a $40,987.99 new automobile, your ITR is $52,000.00. You would have a remainder of $11,012.01 to be rolled over into a new account. This capital cannot be used for auto insurance or a take-home check after purchasing your new vehicle; this is part of your COA.

Know how to deal when it comes time. Before you head for the dealership, you need to do your homework on the automobile of your choice. It would help you with the dealer's invoice price and add further to your investment if it is rolled into a new account. You want to start the bidding as low as possible but not so little that you would seem like an uninformed buyer just making a lowball offer. Pull together a folder showing your data and sources for these details so you can readily refer to them or direct them to the salesperson. At the showroom, establish that you are a serious buyer, not a browser. It comes across as just window shopping rather than buying. The salesperson will be eager to move on to a new prospective purchaser. Do not say, "I am looking at the BMW." Instead, I plan to buy a BMW within the next two weeks. I know how I want it equipped. I will buy it based on where I get the best offer. It will keep you in control. The salesperson wants to know as much about you as possible to spot potential profit points. Stay pleasant, but turn away his questions and say, "We can talk about me later. However, I would like to talk concerning the price."

We offer the "Luxury Elite Car Plan Programs (LECPP)." This program is a special offer limited to three investors per year. It is the opportunity to own a luxurious high-end vehicle of your choice debt-free and receive the certificate title in your name after 24 months! We serve a wide range of luxury brand cars, including sedans, elegant choice vehicles, luxury sports cars, and even electric cars with a chic and modern flair. Our program provides a sophisticated driving experience and makes every mile memorable. To be a part of this elite venture, you need to invest a minimum IO of $1.5 million and wait 24 months until account maturity. After that, we will purchase a new vehicle of your choice for up to $5 million, and the car's title will be in your name. Any funds left over from the account after the automobile purchase will be rolled over into a retirement account as agreed in the COA. In case of the benefactor's death, the account will be transferred to the Primary Beneficiary. Take advantage of this exclusive opportunity to own and ride in the luxury car of your dreams! Invest in our LECPP program today by Clicking here to invest.

             a.)  Engine: Stay in the 2,000 to 3,000 rpm range, as that is the region you will most likely stay in during everyday driving. On the straight road, step hard on the accelerator

                    to see the time lag between depressing the accelerator and the moment the car sprints off. Finally, check that the engine noise is tolerable.

             b.)  Handling: If you are confident, take on a corner at some speed. A good vehicle has little body roll. It would help to control the car completely, even at high speed.

             c.)  Gearbox: An excellent automatic transmission shifts up or down with minimal jerk and should be responsive to your foot command.

             d.)  Brakes: When doing test drives, always start slow and try to grasp the car's braking characteristics. Some brakes are susceptible, and the braking response comes

                    almost immediately after you set your foot on the pedal.

             e.) Cabin space: Adjust the driver's seat to your preferred driving position. Check with your friends and relatives to see if the rear cabin has sufficient legroom for comfortable


             f.) Boot space: If you occasionally haul around items such as golf bags, check with the salesperson to see if they will fit. They will give you excellent advice based on their

                 experience. You can bring the items to the showroom to try the cabin space if convenient.

When negotiating, remember that the car showroom is not the place for aggressive haggling. Be polite and respectful when dealing with the salesperson. You can negotiate based on your budget and the car's market value if you have researched and know what you want. Feel free to walk away if the deal doesn't meet your expectations.

There's nothing quite like the feeling of owning a brand-new car. The fresh smell of the upholstery, the sparkling shine of the paint, and the smoothness of the ride all contribute to a sense of pride and excitement that's hard to surpass. Whether you've been saving up for years to make this purchase or have finally landed your dream job, owning a new car can be a wonderful experience that brings a sense of accomplishment and joy. Of course, there are also the practical benefits of having a reliable vehicle that can take you where you need to go. However, there's no denying the emotional satisfaction of owning a new car. At PSALTER 46 Investment Services, we can help you get the latest automobile of your dreams and the comfort you desire for yourself or your family. We have an array of options in the CPP for you to consider.

Most importantly, our plans are debt-free and titled in your name after account maturity. You no longer need to make monthly payments with fluctuating interest rates for years. Missing payments can result in the repossession of the automobile. The Next Generation of Investments changes all of these things!

Are you thinking of buying a new car? If so, asking yourself some essential questions before purchasing is crucial. Do you know which type of car will best suit your needs? What's your budget, including interest rates? What are the ongoing expenses of owning a car? At PSALTER 46, we understand that buying a car is a significant investment, and we're here to help you every step of the way. Our team can guide you through the car-buying process and help you find the best investment plan for your needs. We offer various options, including investment outlay payments, that can eliminate the need for monthly financial payments. This means that once you pay off the car, you'll own it outright, and the title will be in your hand. We understand that choosing the right vehicle can be overwhelming, so we provide access to information about different types of vehicles and financing plans. We can help you determine what kind of car will best meet your needs and budget and provide guidance on the vehicle's size, future maintenance costs, and current and projected gasoline prices. Ultimately, the key is to make a sound financial investment that meets your transportation needs. At PSALTER 46, we're committed to helping you make the best car decision. Let us assist you in finding the perfect car investment plan today.