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Autotrader Listings vs. U.S. News Listings

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Autotrader

Autotrader.com (our partner here at KBB) is a comprehensive site for consumers seeking to buy and sell cars, SUVs, and other motor vehicles. In the past years, it seems that every day a new competitor pops up, so we thought we’d take the opportunity to see what each has to offer. Here we take a look at Autotrader.com vs. U.S. News.

Autotrader History and Background

Auto Trader first launched in 1992 in print, showing ads for cars. This print version lasted ceased publishing in 2017. Autotrader.com, with much more comprehensive tools, reviews, and vehicle history reports, started in 1997.

With the stated goal of being “your ultimate solution for buying and selling new, certified, and used cars,” Autotrader.com offers a number of benefits. It boasts the largest selection of vehicle inventory from dealers and private sellers; a comprehensive selection of buying and selling tips; research and comparison tools, including reviews, photos, and videos; vehicle pricing, including seller specials and dealer discounts; safety information and vehicle history reports; and even help with finance, insurance, and warranty programs. We at KBB.com provide pricing information in our partnership with Autotrader.

Autotrader.com lets shoppers research and compare cars by body type, mileage, price, and other criteria. In terms of numbers, Autotrader has more than 3 million vehicle listings from 40,000 dealers and 250,000 private owners, with more than 14 million buyers per month.

One unique feature on Autotrader.com is “Dealer Home Services” which allows shoppers to search for only those new or used cars where the dealership offers a video walkaround, at-home test drive, and vehicle delivery. This is particularly useful for people who are not keen on visiting dealer showrooms.

U.S. News History and Background

Unlike many of the other sites, we have looked at here, which are exclusively about buying and selling cars, U.S. News and World Report is a news service, but similar to a daily newspaper, it has a car-buying section.

U.S. News started way back in 1933 as a news magazine, the company founder David Lawrence later starting World Report in 1946. The two magazines eventually merged into one in 1948, and then switched over to Web-based content in 2010. U.S. News also publishes things such as its college ranking lists.

Autotrader listings for Car Buyers

Autotrader.com allows buyers to search for new cars by everything from make to style, price, location, and even more.

Each new car listing includes information provided by the seller, including the vehicle’s VIN (vehicle identification number) and often the dealer stock number.

What you will see on Autotrader.com

At the top of the page, you are allowed to search by make, model, or style. An “Advanced search” button allows you to broaden your search terms, with such things as location, condition, and style.

Next, you come to a  page that shows an example of a car and a dealership, with the MSRP. It also includes information on the dealership and KBB’s dealer rating. Boxes appear with Dealer Home Services options, such as whether a video walkaround or at-home test drive is available. You also have the option to expand the search radius from your home.

Once you click on a particular car, the mileage, engine, transmission, mpg, exterior, and interior colors, and the VIN are included, including seller comments. Lower down the page is listed warranty information.

Below that is pricing information provided by us here at KBB.com. This includes the MSRP and how it relates to what we believe the fair market range is for the vehicle. We update this information frequently as it changes depending on things like season (convertibles are more popular in the summer) and desirability or popularity of a particular new car.

If you need to finance the vehicle, below this is the “Calculate Payment” tool where you can plug in the number of months and down payment and (if relevant) the trade-in value of your current vehicle. It will then tell you your monthly payment and what the APR is.

Contacting a seller through Autotrader

At the top of the is an e-mail click that says “confirm availability” if you like the car.

Then there are a number of ways to contact the dealership, including a private message with your name, e-mail, and (optionally) phone number. Or you can send an e-mail and ask questions about the car.

U.S. News listings for Car Buyers

The Web site appears like most online news sites, with a number of tabs at the top, including Cars. The cars page is then divided into New Cars, Used Cars, Car Rankings, Cars for Sale, Advice, Best Car Deals, and Sell Your Car. Below is a tab for either Reviews of Cars for Sale where pull-down menus allow you to input make, model, and year. Below that are a number of different rankings and U.S. News Award Winners.

One somewhat unusual feature about the U.S. News site is that there are tabs at the top of the Cars page for New Cars, Used Cars, and redundantly, Cars for Sale. Each has its own slightly different pull-down, with the options under New Cars including Research Cars, Best Price Program, and Car Deals This Month.

The Used Cars tab is similar, with Used Cars for Sale, Used Car Deals This Month, and also a tab for Certified Pre-Owned. The Cars for Sale tab is more basic, with the only options being New, Used, and Certified Pre-Owned.

New Cars for Sale on U.S. News

Once you click on the New Cars for Sale tab, it brings you to a nationwide page where you can search by your zip code. But the page is already populated with all the cars for sale all over the country, with such things as where the car is, what kind of offers, photos, and a Check Availability tab.

A bar along the left side of the page allows you to narrow your search by a number of filters, including distance from your zip code, make and model, condition (new or used), year, color, features offered, and price. A basic search of simply make and model yields several cars with photos, general location of the dealer, and mpg of the car. Once you click through, the page includes the car’s VIN, an estimated monthly payment, and basic vehicle specs.

Listings also include whether a dealer offers Buy From Home, whereby a dealership provides home delivery, including paperwork. This appeals to people not wanting to set foot in a dealership.

Contacting a seller through U.S. News

One way where U.S. News differs from other sites is it doesn’t offer direct contact information for the dealer, although it does show the dealership name. Buyers are encouraged to provide their name, phone number, and e-mail and then there is a button to click for Check Availability. The MSRP of the car is listed but with a line through it, and something called Best Price Program Price. Once you contact a dealer, they will provide you with their best offer on the car.

Used Cars on Autotrader.com

Autotrader features used car listings from both dealers and private parties. The search options are similar to those for new cars and include such parameters as year, make, price, style, location, color, etc.

One key difference is that you can filter used cars by vehicle history (number of owners, any accidents) and mileage. Many listings also include a link to a free Carfax report.

Each listing includes information from the seller, features, and general model information such as reviews, where applicable. Information about the original warranty is also available, as well as KBB’s Fair Market value.

Similar to the new car listings, the used listings also offer a variety of ways to contact the seller, such as e-mail, chat, and of course, a phone number.

Certified Pre-Owned

Some of the used cars are known as CPO (certified pre-owned) cars. CPO programs are run by the manufacturers and available at dealerships. A CPO car is one with low mileage that has been thoroughly inspected and includes a warranty from the manufacturer.

More Search Choices

Even beyond the conventional new and used car listings, Autotrader provides different classes of search on other pages. At the bottom of the home page, there are options to find classic and exotic cars, motorcycles, or even RVs. One category that may be handy for certain buyers is a special search for those with bad credit.  After all, everyone deserves a chance.

Used Cars on U.S. News

The Used Cars page on U.S. News is not terribly different from the New Cars page. Basic listings include where the dealership is, the price, and the mileage of the car. Prices are listed, with a colored tab below them indicating whether U.S. News deems it a High Price, Good Deal, Great Deal, or Excellent Deal.

Once you click through to a car, the listing is similar to those for a new car, with a couple of exceptions being a listed price, the mileage, and an option to request a Carfax report.

Certified Pre-Owned on U.S. News

Certified Pre-Owned cars on U.S. News are just like other used car listings. This information notes the car’s mileage, if a free Carfax report is available, price and estimate of the monthly payment, and whether the dealership offers Buy from Home.

Autotrader.com Listings for Sellers

Since Autotrader.com exists to help not only buyers but also sellers, Autotrader offers a few different choices for private-party sellers. Listings are on a pricing scale, with a basic ad going for $25, a featured ad costing $50, and a premium ad going for $90. Due to Autotrader’s partnership with us at KBB.com, any Autotrader posting also appears here.

Each listing includes the ability to display photos as well. Basic comes with three photos, featured gets 20, and a Premium ad includes 30. There is also the option to add 10 more photos to any package for an additional $20.

Sellers also get a counter to see how successful their ad has been and how many people have clicked on it.

Seller Options

Sellers can include a vehicle history report, which costs $15 with a basic or featured listing but comes with a Premium ad. Another $15 option is Spotlight Ad status, which bumps the ad up on the search results page from time to time. This is free with Premium.

Premium ads also get a Supercharger listing, which makes the ad stand out in search results. This costs $10 with a Basic or Featured ad.

KBB Instant Cash Offer

Yet another advantage to Autotrader’s partnership with us at KBB.com is that a seller has the option of participating in the Kelley Blue Book instant cash offer, which gives the seller to get a cash or trade-in offer fro KBB at participating dealers. This eliminates a lot of the hassle of selling a car, which includes scams or even damage to one’s property.

U.S. News Information for Sellers

At the top on the far right side of the Cars page on U.S. News is a tab for Sell Your Car. That page is a point-by-point advice article about how to sell your car, including calculating a price, preparing it for sale, and advertising it, with information on how to arrange a dealer trade-in. U.S. News does not provide any method for selling a car through the site or contacting a dealership unless you’re trading in your car as part of a purchase.

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New Mexico Student Loans: Pay for College in New Mexico

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Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

If you’re planning to attend a college or university in New Mexico, there are several options that could help you pay for it — including scholarships, grants, and New Mexico student loans.

Whether you’ll be attending Central New Mexico Community College, the University of New Mexico, New Mexico State University, or any of New Mexico’s other schools, you can expect to spend about $6,807 per year on average for in-state tuition.

Here are four ways to pay for school in New Mexico:

  1. Start with scholarships and grants for New Mexico students
  2. Apply for federal student loans
  3. Use private student loans to fill in the gaps
  4. Consider New Mexico Loan-For-Service Programs

1. Start with scholarships and grants for New Mexico students

If you need to cover education costs, college scholarships and grants could be a great choice since you won’t have to pay them back.

Here are some scholarships and grants available specifically for New Mexico students:

If scholarships and grants don’t fully cover your education costs, federal or private student loans could help fill any gaps left over. Just remember to consider how much these loans might cost you in the future so you can prepare to pay them back.

You can find out how much you’ll owe over the life of your federal or private student loans using our student loan calculator below.

Enter your loan information to calculate how much you could pay

Total Payment
$

Total Interest
$

Monthly Payment
$

With a
$
loan, you will pay
$
monthly and a total of
$
in interest over the life of your loan. You will pay a total of
$
over the life of the
loan, assuming you’re making full payments while in school.


Need a student loan?
Compare rates without affecting your credit score. 100% free!

Check Personalized Rates

Checking rates won’t affect your credit score.

Learn More: How to Get a Student Loan for Online College

2. Apply for federal student loans

If you still need to borrow money for school, federal student loans are a good place to start. This is mainly because they come with federal benefits and protections, such as access to income-driven repayment plans and student loan forgiveness programs.

Tip: To apply for federal student loans, you’ll need to fill out the FAFSA. Be sure to submit it as soon as possible to get the most financial aid you can.

Here are the main types of federal student loans you might be eligible for as a New Mexico student:

  • Direct Subsidized Loans are available to undergraduate students with financial need. The government pays the interest on these loans while you’re in school, which means you won’t have as much to pay back later.
  • Direct Unsubsidized Loans are available to both undergraduate and graduate students regardless of financial need. Unlike subsidized loans, you’re responsible for all of the interest that accrues on these loans.
  • Direct PLUS Loans come in two types: Grad PLUS Loans for graduate students who need to pay for grad school and Parent PLUS Loans for parents who want to pay for their child’s education. Keep in mind that PLUS Loans come with higher interest rates than subsidized and unsubsidized loans. They also require a credit check.
Loan typeWho qualifies?
Interest rates
(2020-21)
Loan limits
Direct Subsidized LoansUndergrad students with financial need2.75%*$3,500 to $5,500 per year
Direct Unsubsidized LoansUndergrad, graduate, and professional studentsUndergrad: 2.75%*

Graduate and professional: 4.30%*

Dependent undergrad: $5,500 to $7,500 per year ($31,000 total limit)

Independent undergrad: $9,500 to $12,500 per school year ($57,500 total limit)

Graduate and professional: $20,500 per year
($138,500 total limit)

Direct PLUS LoansParents, graduate students, and professional students5.30%*Cost of attendance minus any other financial aid received
*Federal student loan rates for the 2020-21 academic school year.
Keep in mind: The student loan limits in the table above are maximum limits. The actual amount you might qualify for will depend on your FAFSA results, which will factor in your Estimated Family Contribution (EFC).

After you submit the FAFSA, your school will send you a financial aid award letter explaining the amounts and types of federal student loans you’re eligible for.

Check Out: Is My College Housing Covered by Financial Aid?

3. Use private student loans to fill in the gaps

If scholarships, grants, and federal student loans don’t fully cover your costs, private student loans could help fill any gaps left over. Depending on your credit, you might get a lower interest rate on a private student loan than on a federal student loan.

If you’re considering federal vs. private student loans, also note that private loans generally don’t offer the same amount of benefits and protections (such as access to income-driven repayment and student loan forgiveness programs) as federal loans.

Keep in mind: Unlike most federal student loans, you’ll need to have good to excellent credit to potentially qualify for a private student loan. Some lenders offer student loans for bad credit, but these generally come with higher rates than good credit loans.

If you can’t get approved on your own, you could also consider applying with a creditworthy cosigner. Even if you don’t need a cosigner to qualify, having one could get you a lower interest rate than you’d get on your own.

Before taking out a private student loan, be sure to shop around and compare as many lenders as possible to find the right loan for you.

Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes. Each of the lenders in the table below is a Credible partner available to New Mexico residents.

LenderFixed rates from (APR)Variable rates from (APR)Loan terms (years)Loan amounts
ascent3.30%+2.40%+5, 7, 10, 12, 15, 20
(depending on loan type)
$1,000 – $200,000
citizens3.99%+11.19%+15, 10, 15$1,000 – $350,000
(depending on degree)
collegeave3.34%+2,31.04%+2,35, 8, 10, 15$1,000 up to 100% of the school-certified cost of attendance
edvestinu4.07%+72.00%+77, 10, 15$1,000 – $200,000
mefa3.75%+N/A10, 15$1,500 or $2,000 up to school’s certified cost of attendance
(depending on school type and minus other aid received)
4.25% – 12.35%91.25% – 11.10%95, 15Up to 100% of the school-certified cost of attendance
Compare rates without affecting
your credit score. 100% free!

Compare Now

Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available | 1Citizens Bank Disclosures | 2,3College Ave Disclosures | 7EDvestinU Disclosures | 8INvestEd Disclosures | 9Sallie Mae Disclosures

Learn More: Coding Bootcamps: Average Cost and How to Pay

4. Consider New Mexico Loan-For-Service Programs

There are some professional-level jobs in New Mexico that are in particularly high demand, such as:

If you’re interested in one of these programs and are sure you’ll stay in New Mexico after graduation, then you might consider looking at the state’s Loan-For-Service Programs.

How does it work? These programs offer special loans to professionals who agree to practice for a designated time in a shortage area after they’ve graduated.

For every year of service, a portion of your loan will be forgiven. If you complete your full time of service, the program will forgive 100% of your loan.

Check Out: On-Campus vs. Off-Campus Costs

Students in New Mexico have plenty of options to pay for college

Whether you’re attending community college, a trade school, or another type of New Mexico school, using a mix of these strategies could help you pay for college.

Tip: Most students end up with a mix of both federal and private student loans to cover their costs. It’s typically a good idea to start with scholarships, grants, and federal loans before turning to private loans if you have leftover costs.

If you decide to take out a private student loan, remember to consider as many lenders as you can to find a loan that suits your needs. Credible makes this easy — you can compare multiple lenders in two minutes after filling out just one form.

Compare student loan rates from top lenders

  • Multiple lenders compete to get you the best rate
  • Get actual rates, not estimated ones
  • Finance almost any degree

See Your Rates
Checking rates will not affect your credit

Keep Reading: Low-Interest Student Loans

About the author

Lindsay VanSomeren

Lindsay VanSomeren

Lindsay VanSomeren specializes in credit and loans and is a contributor to Credible. Her work has appeared on Credit Karma, Forbes Advisor, LendingTree, and more.

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Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom | Fintech Zoom

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Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom

Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM

Almere, The Netherlands
February 25, 2021, 6 p.m. CET

ASM International N.V. (Euronext Amsterdam: ASM) today reports its fourth quarter 2020 operating results (unaudited) in accordance with IFRS.

Strong quarterly results driven by continued logic/foundry demand

FINANCIAL HIGHLIGHTS

EUR million Q4 2019 Q3 2020 Q4 2020
New orders 429.0 303.4 378.7
Revenue 400.6 314.6 346.6
Gross profit margin % 51.5 49.9 45.2
Operating result 130.9 83.9 77.5
Result from investments (excluding amortization intangible assets resulting from the sale of ASMPT stake in 2013) 6.4 6.3 27.1
Amortization intangible assets (resulting from the sale of ASMPT stake in 2013) (3.5) (3.0) (3.0)
Net earnings 104.5 58.1 79.1
Normalized net earnings (excluding amortization intangible assets resulting from the sale of ASMPT stake in 2013 and result from sale of ASMPT shares) 108.0 61.2 82.1
  • New orders at €379 million were 25% above the level of last quarter.
  • Revenue for the fourth quarter 2020 was €347 million and increased 10% compared to the previous quarter due to stronger market demand.
  • Gross profit margin was 45.2% in Q4 2020 compared to 49.9% in the previous quarter which had an exceptionally strong mix.
  • Operating result was €78 million compared to €84 million in the previous quarter, mainly due to mix effects and higher R&D and SG&A costs.
  • Normalized net earnings for the fourth quarter 2020 were €82 million, €21 million higher compared to Q3 2020, due to the higher contribution of ASMPT, mainly caused by one-off effects.

COMMENT

“2020 was another year of strong performance for our company. In a year dominated by the COVID-19 pandemic, the global ASM team demonstrated tremendous commitment and execution,” said Benjamin Loh, President and Chief Executive Officer of ASM International. “In the fourth quarter, we realized revenue of €347 million which was at the high end of the guidance of €330-350 million and up 10% from the level in Q3. The revenue level was again driven by continuous high demand in the logic/foundry segment. Our Q4 order intake, at €379 million, was up 25% from the level in Q3 and substantially higher than our guidance of €340-360 million, driven by strong demand in logic/foundry. For the full year, revenue was €1,328 million, a year-on-year increase, excluding the litigation proceeds in 2019, of 18%.”

OUTLOOK

For Q1, on a currency comparable level, we expect revenue of €380-€400 million, while we expect our revenue in Q2 to be at the same level. Q1 bookings, on a currency comparable level, are also expected to be in the range of €380-€400 million.

Based upon the current market developments, the wafer fab equipment (WFE) market is expected to grow by a mid-teens percentage in 2021. While it is currently too early to provide guidance for the second half of the year, ASM is well positioned for another year of healthy growth in 2021.

SHARE BUYBACK PROGRAM

On June 2, 2020, ASMI announced the start of the €100 million share buyback program. As of December 31, 2020, 63.8% of the share buyback program was completed at an average share price of €132.63.

DIVIDEND PROPOSAL

ASMI will propose to the forthcoming Annual General Meeting of Shareholders (AGM) 2021, to declare a regular dividend of €2.00 per common share over 2020. The regular dividend increases 33% compared to the regular dividend paid over 2019 (€1.50 regular dividend, excluding €1.50 extraordinary dividend).    
  

About ASM International

ASM International NV, headquartered in Almere, the Netherlands, its subsidiaries and participations design and manufacture equipment and materials used to produce semiconductor devices. ASM International, its subsidiaries and participations provide production solutions for wafer processing (Front-end segment) as well as for assembly & packaging and surface mount technology (Back-end segment) through facilities in the United States, Europe, Japan and Asia. ASM International’s common stock trades on the Euronext Amsterdam Stock Exchange (symbol ASM). For more information, visit ASMI’s website at www.asm.com.

Cautionary Note Regarding Forward-Looking Statements: All matters discussed in this press release, except for any historical data, are forward-looking statements. Forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. These include, but are not limited to, economic conditions and trends in the semiconductor industry generally and the timing of the industry cycles specifically, currency fluctuations, corporate transactions, financing and liquidity matters, the success of restructurings, the timing of significant orders, market acceptance of new products, competitive factors, litigation involving intellectual property, shareholders or other issues, commercial and economic disruption due to natural disasters, terrorist activity, armed conflict or political instability, changes in import/export regulations, epidemics and other risks indicated in the Company’s reports and financial statements. The Company assumes no obligation nor intends to update or revise any forward-looking statements to reflect future developments or circumstances.

This press release contains inside information within the meaning of Article 7(1) of the EU Market Abuse Regulation.

  
ASM International N.V will host an investor conference call and webcast on Friday, February 26, 2021, at 15:00 p.m. Continental European Time (9:00 a.m. – US Eastern Time).

The teleconference dial-in numbers are as follows:

  • United States:          +1 646 7413 167
  • International:            +44 (0) 8444 819 752
  • The Netherlands:     +31 (0) 20 79 566 14
  • Access Code:          9692511

A simultaneous audio webcast and replay will be accessible at www.asm.com.

CONTACT

Investor and media contact:

Victor Bareño
T: +31 88 100 8500
E: [email protected]

Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM

Loans Bad Credit Online – Euronext News Today – ASM INTERNATIONAL N.V. REPORTS FOURTH QUARTER 2020 RESULTS Amsterdam Stock Exchange:ASM | Fintech Zoom

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Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts | Fintech Zoom

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Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts

By Daniel Tay · February 25, 2021, 4:46 PM EST

Menard can’t get sales tax offsets based on uncollectible debts from purchases made on its private-label credit cards because the debts were owed to Capital One, the card-issuing bank, and not…

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Bad Credit Credit Cards – Minn. Justices Say Menard Can’t Get Tax Offset On Card Debts

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