Q : Where on the steering wheel should your hands be when you’re driving?

A : Not at “4 o’clock and 8 o’clock.” The rationale behind “4-and-8” that many driver's-education classes advocate is that it keeps a driver’s hands out of the way of the steering column’s airbag, preventing injuries to hands and arms, and to the face. “That’s stupid,” says Smith. With hands low and elbows on their thighs, he says, drivers have little ability to control the car. Solution: Better to raise your chances of avoiding an incident altogether by having your hands in the tried-and-true “10-and-2” positioning, says Smith. Or, experts suggest dropping the hands slightly, to a “9-and-3” position, to keep them out of an airbag’s path. You’re also probably turning wrong. In this age of airbag-equipped cars, experts no longer recommend the hand-over-hand method of turning the steering wheel. Instead, use the “shuffle” method, which feeds the wheel through your hands and keeps them from crossing in front of the airbag.

Q : How to Approve For a Poor Credit Car Finance Loan?

Add Up Your Current Debts

The amount of money you pay each year toward debts shouldn’t exceed 30% of your annual income. This includes your car payment. Before applying for an auto loan, add up the total amount you pay toward your debts each year, including the amount you plan to pay on your car. If this amount exceeds 30% of your annual income, you’ll need to take measures to lower your debt-to-income ratio. This means that you’ll either have to pay off some debts before applying for a car loan, or you’ll have to reduce the amount you’ll borrow.

Clean Up Your Credit Before Applying

Obtain copies of your credit reports from the three main reporting agencies. Check each report for errors or inaccuracies. Keep in mind that it takes these companies up to 30 days to follow through on disputes. Make timely payments on your other credit accounts in the months prior to applying. Even a few months of timely payments will improve your chances of approval. Finally, avoid applying for other forms of credit. Inquiries on your credit report temporarily lower your credit score.

Make a Down Payment

If you have bad credit, lenders are going to want to make sure that, even if you don’t pay your loan, they can resale the car and get their money back. For this reason, it’s important that you take out a loan for less than the car’s appraised amount.
For example, if the car you’re buying is worth $15,000, you’ll want to borrow less than that amount. Usually that means making a significant down payment. Making a down payment makes you less of a risk to a borrower, therefore improving your chances of being approved.