what is lieu tax when buying a car in arizona

Dr. Afzal Javed is a Consultant Psychiatrist & an Honorary Associate Clinical Professor, Mental Health & Wellbeing, Warwick Medical School, University of Warwick, UK. 1,810 Sq. If you have any other questions about Arizona vehicle sales tax, reach out today and get the answers you need. and a Bachelor of Engineering (Computer). Nearby homes similar to 1662 E Walter Dr have recently sold between $319K to $319K at an average of $175 per square foot. Here are some of the most common exemptions to paying Arizonas VLT: Alternative fuel vehicle/electric vehicle owners, Non-government emergency service personnel, Vehicle used for a non-profit organization, school, or religious institution, Recipient of social security income disability payments from the federal government. Then, there's a vehicle license tax (VLT), which is based on the manufacturer's base retail price of your vehicle. I bought used. The amount you pay in VLT will change each year you register your car. Now that you understand the basics of auto sales tax, you are better prepared to buy the car of your dreams. Owners of commercial vehicles may face other fees, too, including a weight fee. Homemade boat/vessel that is at least 16 feet but less than 28 feet in length, made out of wood, and has a beam of five feet or less - $55 registration plus $6 processing fee. Rebates and incentives: Customer cash rebates and other incentives reduce the purchase price of the vehicle. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. Some other states offer the opportunity to buy a vehicle without paying sales tax. As an example, lets say you want to purchase a new truck for $47,000 and the dealer provides a $2,500 rebate. Members save $872/year. Im stunned by how easy this was. However, you will spend more than this initial percentage, so it is crucial that you save much more than you need for a down payment. That means Idaho charges a sales . Tax Paid Out of State. "@type": "Question", Under the new system, both state and city taxes will be calculated and paid when the customer registers the vehicle. Copyright Arizona Department of Transportation All rights reserved. For example, Idaho charges a 6% tax, which means you multiply the cost of the car ($37,851) and multiply it by 0.06. , Jerry has answers to all your VLT-related questions. You are allowed to deduct the cost of new assets within the first year under Section 179. Continue this thread. If youre preparing to buy a car, you may have set aside a specific amount for your down payment. Tax Rate of Dealership Arizona officially refers to a sales tax as a Transaction Privilege Tax . $16,750 - 60% = $10,050. Transfer tax: $10. You can also consider purchasing the vehicle from a private owner. NOTE: The AZ MVD Bill of sale asks . I was under the assumption that he pays For the car repair $98-$113 depending on model year and MPG. Some use the Registry of Motor Vehicles, while others use the J.D. For Sale: 5 beds, 3 baths 2631 sq. Dr. Tawanda Mushiri is a Senior Research and Lecturer as well as a Robotics, AI and Health 4.0 expert. The "new" car can be a brand-new car or a previously owned car you are buying from the dealership. It is assessed in the place of personal property tax that is charged in other states. Arizona offers a handy-dandy calculator in case math isnt your strong suit. The VLT is paid in lieu of a personal property tax, which is charged in other states. For example, a $1,000 cash rebate may be offered on a $10,000 car, meaning that the out of pocket cost to the buyer is $9,000. As an example, lets say that you would like to purchase a used vehicle for $16,000 from a private owner. Because of the potential expense of vehicle sales tax, many people want to know how toavoid paying car sales taxor ifbuying a car out of statecan help. "@type": "Answer", (Perfect answer). Dealer's Zip Code. Here are the three most common ways to avoid paying sales tax on a car: Autolist says that Arizona ranked 19th in the country last month for vehicle affordability. If your state has a "T" in the tax column, your trade . } His recognition in the ad industry includes awards from Communication Arts and The Clios. If you bought your car from a private party, you'll need to obtain a Restricted Use 3-day permit. The base cost for a new registration is $8. Arizona collects a 6.6%state sales tax rate on the purchase of all vehicles. Question: Is there a current "2016" Arizona Sales tax when buying a used car from a private party. Use: Texas residents - 6.25 percent of sales price, less credit for sales or use taxes paid to other states, when bringing a motor vehicle into Texas that was purchased in another state. Calculate Car Sales Tax in Arizona Example: Do I Have to Pay Sales Tax on a Used Car? You may owe tax money on your forgiven loan balance: If your lender forgives more than $600 of deficiency on your loan, the IRS considers it income. New residents - $90 new resident tax . what is lieu tax when buying a car in arizona . The Vehicle Use Tax Calculator, developed and implemented by the Arizona Department of Revenue (ADOR), is a tool that provides that convenience with a one-stop shop experience. If your new car meets the criteria defined in the Arizona They do on new or used cars from dealers. Check with your states Department of Motor Vehicles (DMV) for details. For vehicles that are being rented or leased, see see taxation of leases and rentals. When you calculate the state and the county tax, the county with the highest total tax rate is Pinal County at 11.2%. For comparison, you may spend around $34,000 on a brand-new vehicle. Michael Collado is a car buying expert and has been a professional automotive writer since 2009. Apply for an Arizona car title and registration. The advantages of owning a vehicle are not limited to the convenience of on-demand transportation. Look out for add-ons. Buy in one of the states with no sales tax on cars. You live in a state where the sales tax is less than 5.6%. The Complete Tax Guide for Buying and Selling Cars in the USA. From there, the process goes back to the same one you know from the dealership experience. A 2021 Ford F-150 hybrid has a 229 g/km rating, which means you'd have to pay an additional $3,705. Toggle. Answer (1 of 8): The total price listed on sales contracts in PA contains accumulated interest if you were to pay the loan per the contract. If it breaks, youll still have to pay up to $25 for the first two repairs. "acceptedAnswer": { Some states charge annual excise fees for cars or a fee whenever you renew your registration. 2 Check local laws before you head to the dealership, and be sure to question any amount much more than that. Our guide comprises a state-by-state checklist, but the local DMV will provide you with the exact percentages. However, the total tax may be higher, depending on the county and city the vehicle is purchased in. Title and registration fee: Not only is it hard to get out of this one, but its not worthwhile to do so. You can ask your local Chevy dealer about potential exemptions as you work through the details of your purchase. Working with the Arizona Department of Revenue, the Arizona Department of Transportation Motor Vehicle Division is now able to accept these payments when the buyer registers his or her vehicle at an MVD or . In addition to state and local sales taxes, there are a number of additional taxes and fees Arizona car buyers may encounter. He's written for Maclean's and This Magazine. If you dont see your question here, please feel free to call us at 855-509-3939. Previously, Collado was a copywriter at the ad agency TBWA/Chiat/Day where he worked on brand campaigns for Nissan, ABC Television, Sony PlayStation, and Energizer. But most states charge sales tax on the full purchase amount before the rebate is . A pre-owned car here typically costs $120 more than the national average. The amount charged and when it has to be paid is determined by the state, and is due either annually, or every two years. For Sale - 3921 S Placita De La Moneda, Green Valley, AZ - $450,000. The "new" car can be a brand-new car or a previously owned car you are buying from the dealership. 7.5 percent If you buy a vehicle in California, you pay a 7.5 percent state sales tax rate regardless of the vehicle you buy. (function() { var qs,j,q,s,d=document, gi=d.getElementById, All it says is Lieu Tax. All used and new car purchases in Arizona have the statewide sales tax of 5.6% applied to them. Because sales tax is a percentage, it raises with the value of your purchase. For example, you could trade-in your old car and receive a $5,000 credit against the price of a $10,000 new vehicle, making your out-of-pocket cost only $5,000. The cost of advertising the car is baked into the sticker price. Local DMVs often have microsites with tax calculators for your convenience, too. Renato de Filippis is a medical doctor, early career psychiatrist and PhD student. Arizona Non-residents must register their vehicle after 7 months of living in the state. But most states charge sales tax State & local taxes. Your car is covered by the Arizona Used Car Lemon Law if a major component of your car breaks before the earlier of 15 days or 500 miles after you buy the car. The minimum is 7.25%. Although these vehicles are exempt from IRP, Arizona requires vehicle registration or trip permit to legally travel into or through this state. Doc fees range from $0 to nearly $1,000 depending on which dealer and state you purchase from. Arizona Tobacco Tax. Conveyance or documentation fee: This covers the cost of the dealer handling the paperwork. You can transfer the plates to a new vehicle, or you may receive a credit from the state. The Motor Vehicle Division (MVD) provides much more information on the subject. Your email address will not be published. Q) I am a snow bird from Minnesota and I . You wouldn't be the first to try it, and the IRS won't show any mercy when they find out. Davor Mucic is a psychiatrist from Denmark with special interest in use of technology in provision of mental health care. To understand how this is done, its best to start by looking at the four possible scenarios you may run into when purchasing your car in Arizona. While your VLT is based on the calculated value of 60% of the manufacturers price, you reduce that value by 16.25% for each successive year you register your car. Drivers may submit the vehicles registration in lieu of a title if the vehicles lienholder has the title certificate. A lieu tax is a substitute for another tax. For Sale - 976 S La Huerta, Green Valley, AZ - $272,000. Nt Court Sentencing Remarks, mail: letter to boyfriend when he is stressedtel: +86 (0) 10 8498 7120. Just like any purchase you make in a retail setting, you are responsible for paying a sales tax. When you have the vehicle's value, you simply calculate the sales tax according to the state's tax percentage provided by one of the sources above. If you are looking to purchase a new or used vehicle, then you have to consider a number of factors. You live in a state where no sales tax is imposed. Buying a new or used vehicle is a major purchase, and it can be a complicated process, but by following some guidelines and doing the right research before the sale, consumers can minimize However, if the car is registered in Arizona, the Get the right guidance with an attorney by your side. Aenean imperdiet. Compare used cars for sale by owner to our used car dealerships. Published by on 30 junio, 2022 Maecenas tempus, tellus eget condimentum rhoncus, sem quam semper libero, sit amet adipiscing sem neque sed ipsum. The fees usually range between $100 and $400 and a couple of examples are TDA (Toyota Dealer Advertising Fee) and MACO (Market Area Co-op Advertising Fee). lieu tax refers to a levy imposed as an alternate for another tax. But you'll need to tack on $1.50 for an air quality research fee. Sales Tax = ($45,000 - $5,000 - $2,000) * .056 Which County in Arizona Has the Lowest Tax? To find out more about calculating the true cost of buying a new car, read our blog post on this, here. Car lease fees and taxes can vary by car dealer, car company, and by the locality in which you live. With over 10,000 different tax areas, it's difficult to tell you exactly how much tax you need to pay. Vehicles purchases are some of the largest sales commonly made in Arizona, which means that they can lead to a hefty sales tax bill. Currently, he is a PhD student in Life Sciences Psychiatry at University Magna Graecia of Catanzaro (Italy). It's in AZ where I'm buying it. If you spend $7,000 on a car and an additional $1,000 on improvements but you sell the car for $7,000, it's considered a capital loss, and you don't need to pay tax on the sale. But you'll need to tack on $1.50 for an air quality research fee. The VLT is a sort-of in lieu tax for Arizona to still generate revenue off of vehicle purchases. Local governments can take up to 2.5 percent for a vehicle's sales tax along with the sales tax that goes to counties and cities. It is assessed in the place of personal property tax that is charged in other states. Because this figure is calculated as a percentage of the full price, the amount is greater on more expensive items. Remember that the total amount you pay for a car (out the door price) not only includes sales tax, but also registration, and dealership fees. The state use tax rate is 5.6%. For example, if you buy a car in South Carolina but you live in Florida, you'll be subject to the latter's tax rates. For-Hire Carriers Get the latestCar Dealsas soon as they come out. These fees are separate from the taxes and DMV fees listed above. PHOENIX - Arizona residents who buy cars out of state now have a much easier way to pay the city and state use taxes. The bill of sale (optional). Dealer documentation fees (also known as doc fees), cover a dealer's administrative costs related to title, registration, and other paperwork involved with the car purchase. Reduce Your Car Insurance by Comparing Rates. Or save time, and apply online. Step 1- Know Specific Tax Laws. Many dealers offer cash incentives or manufacturer rebates on the sticker price of a vehicle in order to encourage sales. $122-$152 depending on model year and MPG. For used cars and annual payments, the DMV's the place to be - and, the old days of standing in a long queue are over, as you can pay via mail or online now. Arizona collects a 6.6% state sales tax rate on the purchase of all vehicles. Phasellus viverra nulla ut metus varius laoreet. Dealers usually carry this cost over to the person buying the car, though. If you live close by you can drive, but you may need to get a temporary registration. Download FAQs. The 2,040 sq. dept. Calculate Car Sales Tax in Arizona Example: Initial Car Price: $45,000. Vivamus elementum semper nisi. You plan to move to a state without sales tax within 90 days of the vehicle purchase. What Does the 2021 Chevrolet Powertrain Warranty Cover? Lieu tax refers to a levy imposed as an alternate for another tax. Group Greater China I , what is lieu tax when buying a car in arizona, Did Pogba Get A Premier League Medal In 2011, blackrock private equity assets under management, our lady of angels woodbridge, va priest fight. Around half the states in the USA view a car as personal property, which means it's subject to annual personal property tax. We would like to show you a description here but the site wont allow us. That being said, CA sales tax is typically higher Your state may be similar. The only exception occurs if a plate is mutilated or illegible. You will register the vehicle in a state with no sales tax because you live or have a business there. Take delivery of the vehicle. 2 Baths. Ive been driving my Envoy for what feels like forever. One thing to keep in mind is that regardless of the cars pristine condition, you likely will not receive the full Kelley Blue Book value. Some cities can charge up to 2.5% on top of that. Hes written about dealership sales, vehicle reviews and comparisons, and service and maintenance for over 100 national automotive dealerships. Examples include military personnel, Native Americans, and disabled individuals. There are some exemptions, however. Either way the right time to County or local sales tax is specific to each area within Arizona, and thats tacked on in addition to the statewide rate. Send the above items to the address below: WV DMV PO Box 17110 Charleston, WV 25317 Where to Renew Car Registration Tags in Person Washington, DC, the nation's capital, does not charge sales tax on cars, either. Taxable Sales Amount. Arizona collects a 6.6% state sales tax rate on the purchase of all vehicles. This will give you the sales tax you should expect to pay. Do you have a comment or correction concerning this page? Although you may be using auto financing to cover a large portion of the purchase, you still must pay the sales tax on the full price of the car. There are five states in the USA that don't impose a state sales tax: Even though these states may be free, there might still be some sort of cost involved that you'd never know about unless you were a tax practitioner. It's not just about paying tax, but also knowing that there are ways and means that allow you to save some money. This partnership helps achieve our vision of getting Arizona out of waiting in line and safely on the road.. Finally, you can see if you can have the vehicle gifted to you. Once you have a budget in mind, multiply that number times the decimal conversion of the sales tax percentage in your municipality. Power National Automobile Dealer's Association Official Car Guide's value. For vehicles less than $44,999 the rate is $3 per $100 or part thereof and over $45,000 it jumps to $5 per $100 or part thereof. Zero phone calls or manual intervention required. For more information on vehicle use tax, and/or how to use the calculator, click on the links below. Integer tincidunt. How much are dealer fees? Usage is subject to our Terms and Privacy Policy. 6.35 % on vehicles under $50k, and 7.75% for vehicles over $50k. We read every comment. View details, map and photos of this townhouse property with 2 bedrooms and 2 total baths. You may be able to deduct the car sales tax you paid when you bought a new or used vehicle from a dealer or private seller. For vehicles that are being rented or leased, see see taxation of leases and rentals . However, if you are buying a car in a state you don't live in, you will pay your home state's For vehicles that are being rented or leased, see see taxation of leases and rentals . As you can see from the state-by-state guide, the state tax is easy, but it's the county and city tax that's difficult to find - and that's before you get to state-specific tax cuts, or states that don't allow you to register a car that emits too much CO2, or doesn't meet the safety requirements. Or does it go strictly by the year of the car? Posted on Posted on June . Do I have to pay taxes twice if I buy a car out of state? Davor Mucic is also Editor-in-Chief on Edorium Journal of Psychiatry. The VLT is a fluid number in that it changes every year because it is based on the value of your vehicle. 6.5% + country + city on the first $2,500. View more property details, sales history and Zestimate data on Zillow. Some states allow you to work on a percentage of what you paid for the car, while others will demand a valuation from a reputable source. But the car dealer may charge their own fees, too. Tax Rate of Dealership Arizona officially refers to a How much is the base MSRP? Vehicles built before 1973 are tax exempt in most states, and you don't need to pay vehicle sales tax if you are disabled. Required fields are marked *, What Is The Sales Tax Rate In San Francisco? To keep your down payment where you want it, its important to factor in sales tax when determining your budget and choosing your car. Sold - 5378 Genoa Farms Blvd, Westerville, OH - $400,000. You can reduce sales tax in Arizona by purchasing the vehicle in a county with a lower county sales tax. If you purchase a vehicle with an agreed-upon price of $40,000 and you have a trade-in vehicle valued at $8,000, then the final taxable price of the vehicle is going to be $32,000. Vehicle registration in Arizona is determined by the assessed value of the vehicle. This includes previous owners. View details, map and photos of this single family property with 3 bedrooms and 2 total baths. Regardless of your reasons, its important to understand auto sales tax for non-residents; it can get a bit confusing if youre unfamiliar with how it works. Lets say you buy a new car for $20,000 and you need to calculate and pay your VLT. is the webs premier car insurance broker and, . what is lieu tax when buying a car in arizona. In 2011 Davor Mucic launched Telemental Health Section within EPA (European Psychiatric Association). Local tax rates range from 0% to 5.6%, with an average of 2.132%. You can buy a car in a tax-free state and register it under a false address to try avoid paying taxes on a car purchase, but the IRS is savvier than that. 6.6% flat rate, with an additional 1% if you live in Atlanta, 4.1666% in Maui county, 4.4386% in Hawaii county, and 4.7120% in Honolulu and Kauai county, 6% + local tax, plus 1.25% if you live in Chicago. Fee breakdown It is based on an assessed value of 60 percent of the manufacturers base retail price reduced by 16.25 percent for each year since the vehicle was first registered in Arizona (15% before 8-1-98). That's why it's imperative that you make sure you're a savvy car buyer in order to get the best deal. For The dealer will remit the tax to the county tax assessor-collector. As mentioned, Arizonas VLT is part of the annual fees that registered drivers pay in Arizona. Small business owners might want to take a closer look at leasing rather than buying a fleet of vehicles. Donec vitae sapien ut libero venenatis faucibus. 2023 Chevy Silverado ZR2 Named Four Wheeler Pickup Truck Of The Year, 2024 Chevrolet Equinox EV Debuts With Up To 300 Miles Of Range. If you move from one of these states to a state that charges tax, you will have to pay it when you register it under your new address. $828. You can find these fees further down on the page. and is the costliest component of those fees. One Governor told us a few years ago that if we went to Oregon to buy a Washington machine or whatever, we were suppose to pay sales tax on it in Washington. Payment for the fees and taxes: Title fee: $4. The lieu tax on private car companies is levied on the property of private car companies in lieu of all other taxes on such property and the business of such companies except for the annual the tax the tax rate will vary based upon whether it is a new or used vehicle.the tax rate for a new vehicle is As such, vehicle owners must apply for a car title within 15 days of purchasing a new or used vehicle. When a private sale happens between two people, a person or a business, there are still tax obligations. Long-term mortgage interest rates continued their move to record highs for 2015, according to data from mortgage finance company Freddie Mac. Buying a used car in Arizona doesn't have . Title and Processing Fees. Im a retiree who spends winters in Arizona. Aenean commodo ligula eget dolor. You live in a state where the sales tax is greater than 5.6%. It's worth keeping this in mind because it can add a lot to a car's price. This would put your new vehicle purchase price at $30,000, which is the taxable amount. Shes a member in development committee of family medicine department in her hospital. The VLT is based on an assessed value of 60 percent of the manufacturers base retail price reduced by 16.25 percent for each year since the vehicle was first registered (15 percent before 8/1/98). The other taxes specific to Arizona are the Title tax of $4, the Plate Transfer tax of $12 and the Registration tax of between $8 and $120. 164K subscribers in the askcarsales community. Find insurance savings it's 100% free, Compare Free Quotes (& Save Hundreds per Year! When establishing your vehicle budget, its necessary to factor this in with all other expenses. Though many car shoppers take the time to research the type of vehicle theyre looking to buy, many dont consider the logistics of the sale until theyre in the thick of it. They may be trying to adds taxes they are supposed to be paying. It's in AZ where I'm buying it. montana frost depth map; Hola mundo! When you buy a new car, the paperwork and taxes are usually sorted by the dealer and simply added to the price. The fee you'll be charged differs from state to state. But you'll need to tack on $1.50 for an air quality research fee. Non-payment results in a penalty; this penalty is 0,5% of the tax you owe the government. We provide a generic bill of sale, right here for your convenience. Remove them before handing the car over to the buyer. $290.45 is the amount you pay in VLT for your cars second year of registration. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. The same rules as buying from a dealership apply. The Title and Registration Application (Form 96-0236). If you are using the vehicle for a non-profit or religious institution, you may be exempt from paying sales tax. He graduated from King Edward Medical College Lahore, Pakistan and received higher specialised training in Psychiatry in UK. Average DMV fees in Arizona on a new-car purchase add up to $5321, which includes the title, registration, and plate fees shown above. ft. 18487 W Ipswitch Way, Surprise, AZ 85374 $444,995 MLS# 6512396 Explore this must-see Moonstone home, ready for quick move-in! Those new to the area might be shocked by just how little it costs to register a vehicle in Arizona. Your email address will not be published. Blue Water Bridge Toll Card, As a rule of thumb, most Arizona residents who drive a car must pay the VLT. By doing your research ahead of time, youll know what to expect and you can budget accordingly. If you live in Arizona but are buying a car out of state, you (or the dealership) will be responsible for submitting some paperwork to the AZ Motor Vehicle Division (MVD). Youll also need to figure out how to get the car back to your home state. if(!gi.call(d,id)) { j=ce.call(d,"script"); j.id=id; j.type="text/javascript"; j.async=true; One important note: In order for these fees to be legitimate, they MUST BE listed on the vehicle invoice. This is known in Arizona as a casual sale and it is not subject to a sales tax. While some motor vehicle departments use bills of sale during title transfers, the Arizona MVD does not require a bill of sale to transfer a title or complete any other motor vehicle transaction. Arizona last updated this percentage in 2013, when it was reduced from 6.6% to the current rate of 5.6%. In effect, you're paying 9%. No matter how new or old your next vehicle ends up being, one advantage that youll have is the ability to cash in on your previous car. Servius Felix Roman Soldier, Sales Tax = $2,128. What year was it first registered? Fast-forward a year. The state of Arizona does not tax rebates and dealer incentives. States like Montana, New Hampshire, Oregon, and Delaware do not have any car sales tax. She has a doctor of Philosophy (Computer Engineering and Technology) Ph.D., a Master of Engineering (Computer) M.E. Sed fringilla mauris sit amet nibh. Hybrid cars with mpg ratings over 40 are tax exempt. The VLT is a sort-of "in lieu" tax for Arizona to still generate revenue off of vehicle purchases. There is no county use tax in Arizona. Arizona Tax, Title and License Fees Vehicle Sales Tax: 5.6%. However, the total tax may be higher, depending on the county and city the vehicle is purchased in. In most cases, you'll still be taxed on the full price. The original law is Public Law (P.L.). in Vidyavardhinis College of Engineering & Tech. ft. home is a 4 bed, 3.0 bath property. For example, Arizona has reciprocal tax agreements with Oregon, Virginia, Indiana, and California so if a California resident buys a car in Arizona, they may be exempt from paying the sales tax in Arizona, though they have to pay it in California. Since that Price of Accessories (Additions) Trade-In Value. But after announcing major new factories in Arizona and Ohio . Real Estate ABC - Information on Buying and Selling A Home Interest Rate Report - Jul 2015. Lieu tax refers to a levy imposed as an alternate for another tax. Arizona collects a 6.6%state sales tax rate on the purchase of all vehicles. The max combined sales tax you can expect to pay in Arizona is 11.2%. The car dealer will follow the sales tax collection laws of their own state. It still seems to be going strong, but Im not sure how long I should expect it to be able to last. They may be trying to adds taxes they are supposed to be paying. The bill of sale (optional). Other states, like Texas, will charge you a rate of the Standard Presumptive Value. The amount is also calculated on a state level. The state sales tax rate may change at any time. 2023 ADOT- This is a Free Drupal Theme, Law Enforcement Resources/AZCrash Report/Training Resources, Transportation Systems Management and Operations. If you are a full-time or part-time Arizona resident and youve registered a car in the state, youll need to pay the VLT each year. The state puts forth a base rate, while each county sets its own additional percentage. For example, a lieu tax on private car companies is levied on the property of private car companies in lieu of all other taxes on such property. He notes how "in some states, those fees are unregulatedthere's no Weve answered some of the most common questions here.

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