23rd
May
2008
You did everything you were supposed to do. You put your best deal on the table and they accepted it. Now you move to the Finance Office. You think you are done negotiating and all you need to do is sign the paperwork and drive home. Not so Fast. The Finance office is the biggest profit center in the car dealership. That nice person behind the computer is a slick salesperson. It is his job to review the deal and see where he can squeeze more profit out of you.Do not be in a hurry to sign and get out or you will be very sorry. A good finance salesperson will nail you for $3,000 - $4,000 more dollars and hide it in your contract if you do not keep your guard up. First of all, learn to say NO to anything they try to upsell you on. You must read the contract very carefully to make sure the numbers are exactly what you agreed upon. There are many little scams that occur in the finance office but the one I hear from readers the most is the Subject to financing scam.Once you sign you are stuck. Too many people in their haste to get home, sign the contracts without reading them thoroughly. They get home and start looking through the paperwork and find items they didn’t want or loan rates that are higher, the length of the loan has been extended etc. Once you sign the contracts you are stuck. You already signed a form that stated that you read and understood all the items in the contract. No court is going to hear your case. Take your time and read everything. If you are not good at reading contracts bring someone with you that can. Never take the Finance salespersons word for anything!The Subject to Financing clause scam. This is a very common tactic finance salespeople use. If you see this on the contract do not sign and above all, do not drive the car home. Another common term is Subject To Loan Approval. What usually happens here is several days after you drive home with your car, you receive a phone call from the salesperson that your loan fell through and you need to come back in and resign through another lender for more money. They may say we have great news, we got you a lower payment, and all they have done is increased the length of your loan. They do this more often with bad credit or sub prime buyers who are usually more cooperative. This occurs quite often on weekends when the lenders are closed. Just tell the finance salesperson you will come back Monday after we have a confirmed approval.If they don’t have your loan approved, stand up and tell him that you will come back and sign when you have an approved loan with a payment book. Never sign a contract without knowing your lender, interest rate, length of loan and monthly payment. Once you sign and drive home with your new car you are at their mercy and you will end up paying more.
posted in General Information |
23rd
May
2008
By now you’ve probably heard about HHO gas and everything it has to offer. In a time when fuel is dictating the way many people live, a company has come out with an HHO generator system to allow us a way to save large sums of money by using water in place of gas. 100% usage is still years away, but a mixture of the two has become a national phenomenon.1. What Is HHO Gas?If this is all new to you, Hybrid Hydrogen Oxygen (HHO) derives from the days of Yull Brown and his water torches. It was a way for “Brown’s Gas” to be talked about amongst scientists from all over the world. Mixing hydrogen and oxygen eventually allowed for everyday people to utilize fuel enhancement systems in our vehicles, but it wasn’t until now it has become so popular.Since the cost of gas has skyrocketed, it is up to us to figure out how to save money on our own. Even though fuel costs more, it’s not like we’re all getting raises around our workplaces. So in order to combat the financial issues, environmental challenges, and the stress your vehicles are going through, “Run Your Car With Water” came up with a solution.2. What You Need To Know About HHO GasThe biggest question to ask is if you would love to recoup all that money you are shelling out every month for gas. We aren’t talking 100% refund, no we’re talking about the way for HHO Gas to be generated and sent through the carburetor or intake manifolds for many different benefits. Miles per gallon is the first thing that comes to mind as many people explain how they increase their mileage by as much as 50%-75%.A cooler running engine is extremely beneficial in lowering the wear and tear of your vehicle. HHO generator systems also help with making your engine cleaner thanks to the steam that is produced. This alleviates much of the carbon deposit buildup you usually find in an engine, which ends up creating problems down the road.Final Product ReviewWe could list several other benefits to HHO gas and the HHO generator system, but we’ll leave the rest up to you. Even though this article is information, there are videos you can watch that explains just what and how these work. Above everything, though, you finally learn that we can combat rising costs of gas, global warming, and car depreciation one person at a time through using one of these systems.
posted in Future Fuels |
23rd
May
2008
According to The Motor Insurance Repair Research Centre (Thatcham) around 250,000
UK motorists received whiplash injuries every year and in around 25,000 cases the whiplash injury leads to some kind of permanent disability. However, the figure may actually be much higher with many whiplash injuries going unreported becomes of the low velocity of the accident.It’s a common misconception that whiplash injuries can only occur when vehicles are traveling at speed. As a result there are many accident victims suffering in silence from whiplash injuries caused at speeds of less than 10 mph.Known as a Low Velocity Collision, accidents below 10 mph may have shown little or no damage to your vehicle due to the robust design specifications of modern car manufacturers. However, while there is no damage to the car, you could have sustained an injury that could, if left untreated, lead to long-term debilitating consequences.There is a great deal of evidence to support the low velocity claim. A study by Jean-Sebastien Blouin of the
School Of
Human Kinetics at the
University of
Columbia has shown that the natural human “startle” response can cause sudden contraction of the neck muscles when you are startled during a car accident. Blouin staged car accidents at very low speed (4mph) and found that the incidence of injury was far higher in those with a more pronounced startle response.Low velocity whiplash injury has a more pronounced affect on vulnerable people. The Brault Study of 1998 found that whiplash injury could occur in a minority of cases at speeds as low as 2.5mph. In this case most symptoms had disappeared within 48 hours and had no long-term affects. However, there a number of factors that increase the likelihood of injury at low speed: women, the elderly, and those with a history of neck and back problems are all at greater risk and if your head is turned at the moment of impact this can also mean a greater risk of whiplash.If you sustain any kind of injury in a car accident, regardless of the speed you were traveling or whether there has been any vehicle damage, you are advised to seek medical attention as soon as possible. Sometimes whiplash symptoms may not appear until after the accident; again due to the low impact speed many people are inclined to right off their symptoms as a pain in the neck and avoid seeking medical attention. Not only could this lead to long-term problems but it may reduce the effectiveness of any claim which you may wish to put forward at a later date.Whiplash, even at low speeds, can have long-term affects on your ability to work and on your lifestyle; if the accident was not your fault you may be able to receive compensation for any treatment you need to have and any reduction in your normal lifestyle such as loss of earnings. A reputable claims company such as 1stClaims, can advise you on your position and help you to achieve a fair settlement commensurate with your injuries. Our expert whiplash solicitors will also ensure that you receive treatment if necessary.
posted in Driving Tips |
23rd
May
2008
During some point in time, vehicles will be able to run using 100% water. When that might be is anyone’s guess, but the hydrogen car plans have been in the works for quite some time. There are still issues, especially with the machine generators and other aspects like only having twenty-five refilling areas in the
United States. So while companies and scientists try to figure all this out, there is an alternative with hydrogen generator plans.1. What Are You Spending Now?Its pretty safe to say that 99% of the
United States population is spending more on gas then ever before. Realizing this, people have come forward expressing their concerns about it hurting the economy and how far away the hydrogen car plans are to becoming a reality. We are still years away, but in the meantime people are paying in between $3-$4 for one gallon of gas. Meaning to fill up for the week is getting extremely costly and hurting other areas of our lives. Even though hydrogen generator plans will save us tons of money down the road, many of us want to know what we can do now to keep costs down.2. Bringing The Future Back To The PresentYou will be excited to know that while the world is trying to come up with the best hydrogen car plans, there is a system that can help us now. Its called “Run Your Car With Water” and we came across it looking for ways to save money on gas a long while ago. Its a small system you can put in your vehicle under the hood where brown gas can be used as energy when it is burned after being extracted from the water. This allows your car to run smoother, be cleaner for the environment, save you money on gas, and ultimately allow your vehicle to last longer.The Final OverviewThese are only a few tastes of what this system can do for everyone, but its enough to make us all look forward to the day when the hydrogen car plans are turned into actual cars. However, the future isn’t going to help us now unless we figure out ways to save money with the economic challenges in recent years. “Run Your Car With Water” can do this along with many other benefits as well, leaving the hydrogen generator plans as one of the most popular inventions of our time. All it takes is a short amount of time where watching videos will make it easier to understand.
posted in Future Fuels |
23rd
May
2008
Before you use your vehicle, it is best to observe some car safety tips before starting out. Your diligence in making sure of standard automobile safety checks before traveling is the best preventive measure to avoid motor accidents.Check the radiator water level of the car as a first step. Some car owners just assume that there is enough water in their radiators, only to be surprised when the temperature gauge in the car’s dashboard starts shooting up. Do not wait for an accident like this to come your way; it is not easy to open the hood of the car and the radiator cap, once the engine is overheated. Some nasty accidents of scalding with boiling water can hit you, if you do not take precaution in opening that radiator cap! Things could be worse if you have no backup container in the car with some water, and you are in the middle of a highway in the desert!When starting your car’s engine, do not forget to put the transmission gear to neutral. This ensures that as the engine comes to life it functions normally, avoiding any unusual “jumping” or abrupt movement, as what happens if the transmission is on first or second gear, that may cause unnecessary accidents.After the car’s engine is started and you forgot to do a task back in the house that will require you to get out of the car to attend to it, be sure to put the hand brakes on, if you leave the engine running.If there are small children with you in the car, it is best to put the engine off even if the car is on neutral, before leaving the vehicle to return to the house. This is to avoid incidents of the kids unknowingly pulling the transmission lever, as kids are wont to do, active and restless as they normally are. An innocent hand’s pull on the lever might cause the car to move abruptly, if the transmission is suddenly in first or second gear without the presence of the adult driving the car.Before you move out of the garage to start your trip on the road, see to it that everybody with you in the car fastened the seat belts properly. Adults should supervise strictly the fastening of the seat belts for the children.Make sure in locking the doors properly especially if kids are traveling with you in the car. This is to prevent the accidental opening of the car doors while the vehicle is in motion. Keep away the kids from the doors as much as possible.Ensure positioning the rear view mirrors of your car correctly to enable you to have a good view of the rear of your car, especially the vehicular traffic following you.Before picking up some speed, make it a habit to check if the car brakes are working well, by testing them as you move slowly forward.There is one other thing to re-check before you proceed with that trip. See if the fuel gauge does not indicate a need to pass by the gasoline station for some refill of your tank. That, finally, should complete your list of mandatory things to do for your journey.
posted in Driving Tips |