May 19th, 2012
It is always wise and advisable to do a detailed inspection of any used vehicle or auto parts that you opt and plan to purchase, BEFORE executing the transaction and any money exchanges hands.
Advertisements and sales-talk about the car, that might have lured you in or grabbed your attention might be misleading, misrepresentation, even untrue. Some of the toted features and promised quality may not really present, even performance claims, enhancements or exaggerations are quite commonplace and pervasive in this market as well. You will be well-served to diligently be on the look-out for them.
Here are some examples of what to pay attention to in your pre-purchase vehicle or parts inspection:
I.Vehicle Exterior: do a walkabout and note the paint-job and detailing on the car
1Look for scratch-marks and other dents.
2If you are unable to detect any and/or suspect a new finish, ask when and why the car was painted.
3Hiding rust and imperfections are quite common.
4Check the bumpers and wheel wheels checking for dents, body filling and/or signs of rust or decay.
5The underside might yield the most of this problem.
6You might be able to infer from these aspects mentioned above, that if there are problems on the out or underside, they might also just be inside the vehicle as well.
II.Vehicle Angles, as well as the Vehicle Interior: check all angles of the vehicle, top to bottom, tip to tail, rear, front, sides and even underneath the vehicle.
1Any inconsistencies or signs of major repair, could be cause for concern.
2Try to cover all the details and detailing.
3Look for outright and lingering sign of damages.
4Stains, tears or exposure, even sun damage might be noticeable on the upholstery and interior of the vehicle as well.
5Try and spot all these tell-tale signs prior to your purchase.
III.Vehicle engine: always remember that a clean engine does not necessarily mean that all is good and well.
1Take a much closer look and notice all details that has to do with the functioning of the vehicle
2Two obvious places to look, would include the exhaust manifold (check for rust here) and the ass well (check for oil leaks or residue here).
3Checking the dipstick for oil is essential as well. Ensure that you feel no particles in it when rubbing your fingers against it. If present, it may be indicative of some related engine problems and even wear and tear, aging or breakdown over time.
4Physically starting the engine, listening carefully to the revs and even taking it for a test drive is advisable as well.
5Performance of the engine and the handling of the car are your tell-tale signs here.
6Check all brakes and features thoroughly as well.
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May 11th, 2012
The growth of the counterfeits parts industry is causing problems for motorists, suppliers, manufacturers, and governments from around the world. Just how bad is the problem? For starters, the manufacturing and distribution of counterfeit car parts is a multi billion dollar per year business. Car owners from the Kia to the Camaro and from the Geo to the Golf, and every make and model in between are all susceptible to getting hooked with fake parts. This doesnt have to happen and I am going to share with you how you can avoid being deceived by purveyors of bogus car parts.
Read the labels. Fake parts purveyors are getting very crafty in copying logos and other important information off of product boxes. Check for typographical errors or odd sounding language on the boxes. Most counterfeiters are smart when it comes to crime, but pretty dumb when it comes to understanding the proper use of English terms, grammar, and spelling. For example, brand names spelled wrong such as Monrow for Monroe. One more point: packaging may be correct but sized wrong; be suspicious of any part sold to you in a package that isnt sized according to the product it holds.
Check the part. If the texture of a part seems odd, it could be a fake. For example, that Hella headlight may not be what it appears to be especially if the element inside looks cheap or broken, or if too much plastic was used in the development of the casing.
Know your supplier. Purchasing your parts from a reliable supplier isnt a 100% guarantee that the parts received are genuine. Still, if they back up what they sell with a guarantee you wont get stuck should a counterfeit part get passed through them to and on to you.
Buy OEM or better. Only purchase parts that meet or exceed stringent original manufacturer requirements. Prices 70, 80, or 90% lower than retail rates should raise a warning flag. Stick with the name brands; there is a reason why products from Bosch, Covercraft, Denso, Flowmaster, Injen, K&N, and others sell so well: they are trusted names associated with well known brands. Avoid generic or no name brands.
If you think that you have been sold bogus parts, inform the local police as well as the parts supplier of the problem. If you buy from an overseas company, the chances of you receiving a refund from them are slim. When purchasing online only purchase through those retailers who have an established track record and are reachable through a toll free number. You may save money in the short run with bogus parts, but you will lose in the long run with Volkswagen or other parts that are defective or even dangerous.
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May 4th, 2012
Automobile dealers are the bridge between automobile manufacturers and consumers. Car dealers are primarily engaged in retailing new cars, sport utility vehicles, passenger cars and cargo vans. New car dealers employ 9 out of 10 workers in the automobile industry. Along with vehicle sales, car dealers provide and perform other activities such as repair services, selling used cars and selling replacement parts and accessories. Large dealers are a one-stop shop for customers who wish to buy, finance, and service their vehicle. Used car dealers specialize in used vehicle sales and account for 1 out of 10 jobs in the industry.
Sales of new cars, trucks, and vans tend to depend upon changing consumer tastes and the price of fuel. The popularity of the manufacturers vehicle model and the intensity of competition with other dealers play a vital role in the sale of a car. Consumers are also highly sensitive to the cost of financing. Automotive dealers are more likely to offer generous incentives, rebates, and financing deals during sluggish periods to maintain high sales volumes and to reduce stocks.
According to the National Automobile Dealers Association, new vehicle sales account for more than half of the total sales proceeds at contracted new car and new truck dealers. These sales generate additional revenue in other departments of the dealerships. By putting new vehicles on the road, dealers count on after-market additions, repairs, and service for added revenue.
Leasing a car or truck is one financing option for consumers. Leasing services have grown in recent years to accommodate changing consumer-purchasing behavior. As vehicles have become more expensive, growing numbers of consumers are unable or reluctant to make a long-term investment in a new car or truck purchase. Car dealers are a key resource for manufacturers who use them to establish brands and motivate customers to purchase their automobiles.
April 30th, 2012
Chase Announces Two New Business Credit Cards: Should You Get One?
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Chase recently announced the release of two new credit cards for the business community. The Chase Platinum Business Card and the Chase Business Rebate Card are now available, giving business people more options and a better deal than what they can get through ordinary business cards. Are these cards worth getting? More importantly, do they offer to your business a reason to switch? Lets examine the new cards and what they have to offer to you, the business person.
There are business credit cards that adequately meet most business owners needs while there are other cards that really stand out. The two new credit card offerings from Chase are a pair of stand out performers.
Quarterly Management Reports
To help busy card holders, Chases two new cards share a common feature: they offer quarterly management reports for free. This is especially helpful when you consider that businesses must account for how their money is spent when it comes to tax time. By utilizing the management reporting feature, businesses can readily document important tax deductions. No worrying that something has been overlooked; the reports do the tracking for you. Less work for your busy accountants too!
0% Intro APR
Both the Chase Platinum Business Card and the Chase Business Rebate Card offer a fixed 0% APR for the first twelve billing cycles. This feature is especially helpful to the business needing the convenience of a credit card without worrying about paying off a large balance every month. New business owners are attracted to such a feature as the 0% introductory APR can relieve some of the pressure of financing a new entity.
Big Credit Lines
One of the toughest parts of starting a new business is securing an affordable line of credit. Your bank may offer terms, but those double digit rates can be a real turn off, especially if your cash flow is limited. The Chase Business Card and the Chase Platinum Business Card solve this problem by offering huge credit lines up to $35,000. You can save hundreds if not thousands of dollars in interest payments for the first year if you elect to go with a Chase card vs. the typical bank loan.
Important Ingredients
Both Chase cards offer no annual fee and have important balance transfer offers.
Distinguishing Features
As much as the two new cards have similarities to them, they each have a distinguishing feature. With the Chase Platinum Business Card you get additional benefits including $1 million dollar travel insurance, $3,000 lost luggage insurance, and more. With the Chase Business Rebate Card you can get as much as 3% cash back on select purchases. When you take a client out to eat, purchase supplies at the office or building supply stores, or fuel up your car, Chase rewards kick in when you use your card. For all other purchases the rewards rate is 1%.
Of course, the biggest decision for you is which card to select. Both cards come equipped with many useful features and are certain to attract customers who need a business card that works so well for them. Compare the offers and select the one that meets your needs and start benefiting from your new Chase business card today!
By admin • Posted in
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April 29th, 2012
Credit cards add that bit of security in your life
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Credit cards do add a bit of extra punch to your life. Nowadays you can apply for zero interest credit cards and pay all your bills and expenses with the card and then pay back within the stipulated time frame and pay no interest too. There are many that offer you low interest credit cards but they come along with a host of extra benefits and surprising offers. Your credit card could actually save a lot of money for you. Sounds amazing well, apply for a credit card and then reap the benefits and see how your credit card also saves money for you too.
You can get to your nearest bank or any of the financial institutions that offer credit cards. Give in your credit card application, read carefully what the credit card has to offer. Different credit cards offer you different kinds of benefits and offers. You need to choose the right one for yourself. Most credit cards charge you a nominal annual fee but generally the offers and discounts they offer hugely overweigh the annual fees that you have to pay to keep the credit card active. There are many low interest credit cards and they are very popular in all parts of the world.
There are a host of services that are offered by the credit cards. From exclusive lounges to airports and free car wash at the gas station while you fill your car up, credit card holders do really enjoy a host of free services just by making a credit card transaction. Imagine if you had to pay for the services, how much money it would have cost you. Well, is that not a saving for you? Zero interest credit cards really ease up your expenses for you. Buy something during Christmas and you can easily pay back the next month and no interest is charged, it is truly like borrowing money from a friend.
Before you fill up your credit card application, do take time to find out about all the services and billing dates that the credit card has to offer. Some of the credit cards also offer low interest credit and easy installments pay back. There are many that do not charge any fees and also offer you zero installment credit. It is for you to decide which kind of credit card would be ideally beneficial for you. You can take the help of the customer service personnel of the credit card offering bank or financial institute to access your needs and suggest you the best credit card that would allow you a comfortable credit and at the same time extra benefits for you.
Fill in your credit card application today and feel the comfort of having a zero interest credit card or a low interest credit card. Whatever suits your need a credit card would really add a pinch of security into your life. Start using credit cards right away and experience the fun of not having to carry cash and enjoy the free benefits and offers that come along with all credit cards.
By admin • Posted in
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April 26th, 2012
Discover the Parts of a Credit Report and What They Mean
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So you ordered a copy of your credit report to check for inaccuracies and get the most from your credit score. Now how do you read it? Your credit report is read and used by any number of people you deal with on a daily basis, from your landlord to your employer to a potential lender. Fortunately, it has gotten easier to order a copy of your report, but it’s not so easy to understand what all those abbreviations and numbers mean once you’ve got it.
If you haven’t ordered your credit report yet, you will soon be entitled to a free copy from each of the three major credit bureaus, Equifax, Experian, and TransUnion. Some states can already take advantage of this new policy, but people living in eastern states will have to wait until September of 2005. Order your free yearly copies from all three agencies and check for the availability of the annual reporting program in your area at the same website: www.annualcreditreport.com . Each report will contain different information because retailers and creditors only report to the agency in their area or with whom they have an agreement.
Once you have your credit report in your hands, you will see that it is divided into four main sections:
Consumer information
Account histories
Public records
Inquiries
Double check the accuracy of your identifying information. This will include your name, address, phone number, previous addresses, date of birth, and Social Security number (SSN).
Next, for each account history, or trade line, you will see the following information:
Date you opened the account
Type of credit account (either installment, such as a car loan or mortgage, or revolving, such as a credit card)
Name(s) on the account
Total loan amount, credit limit, or highest card balance
Amount you currently owe
Amount of your monthly payment
Account status (either open, closed, inactive, paid, or other)
How promptly you have paid on the account
Credit agencies vary as to how they word various sections of the report and should provide you with a guide to reading their versions. One agency might report in the last column of an account history that you paid on time or 30 days late. Another agency might use a numeric code to rate how well you paid off a debt. R1 is the code used for an excellent repayment history on a revolving charge account. I1 is the code used for an excellent repayment history on an installment account. Obviously, the higher the number next to either the R or I, the lower your repayment history is rated. So an R4 would indicate a history of late payments.
The public records section will include any tax liens, bankruptcies, judgments, or other financial-related legal matters. Depending on the type of action taken, these damaging records may stay on your credit report for up to 7 to 10 years.
The last section lists the inquiries made on your credit. Hard inquiries are those requests to pull your credit when you apply for such things as loans or lines of credit for services. Soft inquiries result when companies sending out promotional items to pre-qualified individuals check your history or when your current creditors check your payment status. The soft inquiries only show up on the report that you order, not on reports pulled by lenders.
While too many inquiries in a short period of time can signal a red flag to a lender, most credit scoring models are least affected by this portion of your report.
Check your report for any errors and report them immediately in writing. If you need more information about how to reach the three main credit bureaus, please go to www.apscreen.com.
Don’t forget that the credit agency providing your report is also a great source of information on not only reading your credit report, but raising your credit score.
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April 9th, 2012
Why Used Auto Parts Are Better Than New Auto Parts
For the last 60 years auto recyclers, otherwise known as auto wreckers or auto dismantlers with their junkyards and salvage yards, have played an important role in the economy and environment. More and more car owners are turning to used auto parts rather than new car parts for their car maintenance and repair needs, for several reasons:
Purchasing used auto parts instead of new car parts allows you to save money by about 55% on average.
Purchasing used car parts means that you have a wider selection in the used parts market from which to pick the right car part that specifically meets the fit, functionality and quality requirement of your current car and car parts.
By purchasing used auto parts you are helping to lessen the pollution to the environment. Automotive recycling plays an important role in conserving natural resources and minimizing the demand on scarce landfill space. Other then lessening the negative impact on natural resources, Automotive recycling plays a major role in reducing water pollution, air pollution and solid waste generation.
Guide to Buying Used Auto Parts from Auto Recyclers
Keeping your car roadworthy can be a very expensive undertaking these days, especially with today’s tough economic climate making it more difficult for many people to earn and save money. But by using used auto parts, not only can you save money, you can also help conserve natural resources, and still get the correct specified parts for your car. For these reason, thousands of people every year elect to purchase used car parts.
With this increase in demand, the internet has become an ideal vehicle in bringing the buyers and sellers of used auto parts together. Before you make your used car parts purchase online, here is a general guide to assist you in choosing the right auto parts at the best price.
Whenever you purchase a car part, make sure you have your Vehicle Identification Number (VIN) handy. This number can provide the seller with a lot of information about your car, including the year, make and model. Having your VIN available is especially important when purchasing drive train components such as engines and transmissions.
Make sure the company from which you are buying the auto part offers a warranty on the part. Make sure you read and understand the terms of that warranty before making the purchase.
Find out how many miles are on the auto part, and find out whether the part is being sold as used, rebuilt or remanufactured.
By admin • Posted in
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April 3rd, 2012
Weve all noted at some point or another that a particular thing is the best invention since that of the wheel. Or perhaps weve laughed as someone has tried to make a simple process unnecessarily difficult for themselves by reinventing the wheel. Though man had made and implemented a wide variety of tools before the invention of this one, the wheel has assumed an iconic place in the way we look at the world. And unlike many historic inventions which, though important at the time of their genesis, have since fallen by the wayside, the wheel continues to remain an important part of our lives today, forming an essential linchpin upon which one of the most important tools of modern life is built.
These days, it is easy to take for granted the great mobility we enjoy, choosing as we do from a multitude of ways to travel. One of the most frequently used methods of transport remains the car, from its humble beginnings as a self propelled vehicle in the eighteenth century to the vast array of shapes and makes we find today. Like several other modes of transit, the principle of the car is based upon that of the wheel, which, combined with an axle, allows for the forward motion that is such an intrinsic part of the human condition.
As has occurred with other elements of the car, a combination of technology and a preference for the finer things in life has resulted in a choice of wheels and tyres that is quite astounding. Different types of tyres have created greater diversity in the terrains upon which cars may be used, and made use of increased technological knowledge to ensure the safety of a cars passengers. Meanwhile, such accessories as hubcaps have been added to this important car part to personalize them to both car manufacturer and the driver.
While historians cannot agree entirely upon the exact point at which this important tool was invented, there is little doubt that this remains unimportant to todays modern motorist. We rarely give our wheels a second thought, but without them, our cars would be entirely useless, and we would be left sitting on the road, in a pointless metal cage.
March 30th, 2012
Car racing seats Body kits Racing seats Hid kits
Owning a car has become the most important necessity for modern day life as it gives you sense of freedom and independence. You can personalize your car by adding on high-tech auto accessories like car spoilers, hid kits, racing seats, underbody neon kit, diamond plate and floor mats which will not only boost the performance of your car but make it look smarter and chic than ever. Your car displays your style statement to onlookers and creates awe in them.
You can personalize your vehicle by stylizing it in the way you want it. Large array of auto accessories have been manufactured and launched in order to enhance the look and performance of your car with a wide range of products. Certainly auto parts installed already in your vehicle by the company, factory or the dealer are perfect in their functioning but you can enhance the level of functioning by installing the more advanced and modified features into your car. There are wide ranges of automotive accessories including body kits, car spoilers, hid kits, racing seats, underbody neon kit, diamond plate floor mats, car covers, brake dust shields and many more that can be installed after replacing the auto parts installed by the factory.
Internal and external car accessories differ in their prices and can be bit expensive as well depending on the brand name.
Car spoilers are high-tech performance based auto accessories that lends your car that aerodynamic look which makes it stand apart from the common crowd of the cars. Its a rear wing that is made of fiberglass usually and is available in different shapes and sizes. You can get best of the car spoilers to enhance the look of your car from worlds best brands which suits your taste and budget. The best car spoilers available are aluminum spoilers, lip spoilers, carbon fiber spoilers, OEM spoilers, and universal spoilers to make your selection from.
Several manufacturers have launched their brands of body kits in order to give more stylized and improved look to your car. Besides this modified and highly advanced body kits include the features such as controlling the amount of exhaust air, down force control and ground effects. You can get race car body kits that lends sporty look to your car and are usually of fiberglass or urethane. These body kits add on to the traction power during acceleration of your car along with aerodynamic pull of your car. Most of the body kits include accessories including fenders, customized hoods, windows, mags, chrome handles, and side mirrors. You can get the external help for the easy installation of body kits since it may require some technical assistance.
Change your ordinary factory car seats with newly designed and stylish racing seats which will enhance the comfort and will certainly lend great looks to your car interior. Racing seats are manufactured using high standard racing fiber and is endowed with side slider and tilt function for more comfort and ease while driving. You can easily install racing seats without any external help following the installation guide or manual.
Underbody neon kit gives an ultra-modern look to your car and enhances its beauty with the display of lights of various colors at one instance. You can log onto www.autoaccessorystore.com for more information on auto performance and stylizing accessories.
March 22nd, 2012
How To Get Free Annual Credit Reports From Major Credit Bureaus
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If you plan to apply for a mortgage, car loan, credit card or consolidation loan, then you will need to know what is in your credit reports from each of the three major credit bureaus. These include TransUnion, Equifax and Experian and each keeps a detailed record of your current and past debts, payment history, along with any information on public record, which may include foreclosures, bankruptcies or judgements.
Each of your credit reports from the aforementioned bureaus will also feature a numeric score, which is what many lenders refer to when determining your interest rate on a new loan. This number, known as a FICO score, is calculated based on a number of factors that will help potential lenders determine your credit worthiness. Your debt to income ratio, balance to credit limit ratio and the number of revolving credit accounts are all taken into consideration when tallying your FICO score. In addition, any bankruptcy or other negative presence will cause your score to be lowered.
Every 12 months, an individual is permitted to request a free copy of their credit reports from each of the three major credit bureaus as listed above. There are a number of websites that promise to give consumers free credit reports, but there is almost always some type of a catch to the offer. Among them, enrolling in a trial program or purchasing a product. However, there is one website that is dedicated to offering free credit reports with no cost or obligation to the consumer. Once each year, individuals can visit AnnualCreditReport.com and gain instant online access to one or all of their credit reports at no cost. The basic credit report is free, but the FICO score will not be included unless an additional fee is paid to access that information.
In addition to requesting free credit reports on an annual basis, individuals are eligible to receive a free copy of their file if they have recently been denied credit. This process can be completed by either writing or calling the credit reporting agency after receiving a denial of credit from the lender. Typically, a copy of the credit report will arrive by mail within 7-10 days.
Not every consumer realizes how important it is to keep a close eye on their credit reports, but it is one of the most critical parts of maintaining a healthy credit file and preventing identity theft. It is recommended that individuals check their credit reports every six months and dispute anything that is listed incorrectly, such as addresses, inaccurate reporting of payment histories, account status, etc. After receiving a dispute, the credit bureau will begin an investigation in order to resolve the matter amicably. It is very important that everyone make sure their credit reports are accurate as, quite often, they are the largest determining factor of any loan request.
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