Category: Repairs

[ad_1]

Sometimes when you stand at the rental car company counter when you need to rent a car you may feel a little bit confused with the options given by the agent, Do you say no to all of them? or yes? in this article you can find some tips to help you take the best decision.

The first and most important action you have to take is look around on internet. Most of the car rental companies have a website where you can see what rates, terms and conditions, restrictions, size of cars they have and a lot more information you can review at your own pace in the comfort of your home or office before being in front of the agent who will try to sell you services or car sizes you really will not need.

Do the math first, if you find an unbelievably low rate, you may find that is not really that low when everything is said and done, you need to clarify what taxes, surcharges or other fees you're expected to pay and lookout for extras like airport fees you may be asked to pay.

Keep your eyes open and hunt for deals. Car rental companies always offer weekend or weekday special rates, keep looking for those promotions and try to find discount or promotional codes.

You really need a full size car? if not, go economy or compact. This kind of vehicles are the most popular, companies run out of economy models very often, in this case you may have a free upgrade to a full size car, but if not you will get your car anyway, it worths to try.

See if there are restrictions about where you can take your car and how may miles are included, some companies offer unlimited mileage but you can not take the car out of the state for example, if you do that you may have to pay extras , increasing your final cost.

Do not prepay for gas, fill the tank yourself, because with that kind of deals you get a higher price.

Get the minimum insurance possible, the company will offer you a lot of extra insurance you will rarely need, you can use your credit card protection, major credit cards offer CDW for renting a car, also your regular car insurance may cover the rented one too , check your insurance coverage first.

Finally, be always on time. Car rental companies charge you a lot if you return the car only a few hours later, you can pay what you pay for the whole day even if you return it 30 minutes later.

[ad_2]

[ad_1]

Does this sound familiar? You've been thinking about getting a new car for ages but you've never quite gotten round to taking the plunge. There are always other things that need to be paid for – every day bills, that summer holiday you've booked, and even some new clothes to keep up appearances in your job.

If you're in this situation right now then it might be time to sit down and create a plan of action to help you turn that new car into a reality. Block off a few hours where you will not be disturbed, grab a pen and a notepad and use the following steps to get you closer to your goal.

The first area to look at is your household bills. You can often save a lot of money here. Make a note of what you currently pay and go online to do a price check to see how much you could reduce your payments by if you swapped companies. Keep this saving in mind as it can be put towards paying for your new car. The same applies to any credit card bills you have. If you do not pay the balance in full every month you could be paying a fortune in interest. Move the balance to an interest free card and you'll free up another sum of money to fund the purchase of your next car.

You can also approach the issue of finding the money for a new car from another angle. There are plenty of excellent value car finance deals on the market which will enable you to get your next car much sooner than you think. If you combine a good car finance option with the money saving tips mentioned above you will probably find your monthly payments can be met with the money you've saved.

You can also save money quite easily by shopping around for your car insurance. If you can get an idea in advance of the type of car you want to buy, you'll be able to get rough quotes to go on when you're figuring out what your outgoings are likely to be on your new vehicle each month. In this sense the repayments on your car finance agreement will not be the only thing to consider. You could find that by changing the type of car you buy and reducing your insurance payments (and possibly even paying less in road tax) you could afford a newer car than you'd otherwise be able to.

In short, whatever financial situation you are in it's more than possible to buy a new car if you take the time to work things out in your favor. All you need is perseverance, the right information and the best finance quotes you can find.

[ad_2]

[ad_1]

Most manufacturers hiring to strike gold with the new car-SUV hybrid and she could not see herself driving a minivan. So Dr. Melissa Sundermann ended up with a type of vehicle that most automakers are banking on for sales growth: a crossover. Built on car underpinnings but having many attributes of SUVs, crossover utility vehicles have seen explosive growth since Toyota Motor Corp. started the category with the RAV4 back in 1995. In 1996, the RAV4's first full year on sale, Toyota told 56,709 of the small crossovers when it had the market to itself, according to data collected by Ward's Automotive Group. But sales rose quickly as other automakers saw the growth potential, topping 2.4 million last year with more than 50 models for sale.

CARS WERE TOO SMALL, SPORT UTILITY VEHICLES TOO INEFFICIENT

Now, with the 2008 car model year approaching, automakers are hoping to capture thousands of people like Sundermann who wants more space for kids and their junk, and the array of models and sales are almost certain to grow.

Last year, crossovers outsold truck-based SUVs for the first time, said George Pipas, Ford Motor Co.'s top sales analyst. "Next year, most likely, the category will climb over the 3 million mark, barring a sharp decline in total volume," Pipas said.

Sundermann, a physician and mother of two in Ann Arbor, Mich., Felt that her old vehicle, a Volvo station wagon, did not have enough room. "In driving the kids around and doing car pooling, I just could not fit enough kids in my car safely," she said.

Sundermann, 37, started looking at large SUVs such as the Ford Expedition and Chevrolet Tahoe, but wanted something smaller with better gas mileage. She also needed three rows of seats and enough space in the back for groceries and other items.

When her husband suggested looking at the Saturn Outlook, a new crossover vehicle, she thought it was odd because her image of the company was of one that made economy cars.

"With all the options, the price was right. We were impressed that the gas mileage was fairly decent for a bigger car," she said. "I can fit all my kids and their friends and all my stuff and still feel like I'm driving a luxury car."

The crossovers, which range in size from smaller four-passenger vehicles to ones seating up to eight, are key products for the Detroit Three as they try to regain market share lost mainly to Japanese competitors. Last month, Detroit's share of the market dropped below 50 percent for the first time in history.

Ford, General Motors Corp. and Chrysler LLC lost a collective $ 15 billion last year as they were caught unprepared when high gasoline prices sent consumers away from trucks and sport utility vehicles to cars and crossovers.

A two-wheel-drive 2008 Ford Expedition large SUV, for instance, gets an estimated 12 miles per gallon in the city and 18 on the highway. Ford's Taurus X crossover, built on a Volvo car platform with three rows of seats, gets 16 mpg in the city and 24 on the highway.

Because they're built on car platforms, crossovers are more maneuverable and have smoother rides than the truck-based SUVs, said Lonnie Miller, director of industry analysis for RL Polk & Co.

"It provides kind of like the best of both worlds. It's a nice alternative to a minivan and as large in many cases as a gas-guzzling SUV," he said. As crossovers have grown, minivan sales have dropped, off about 22 percent from the first seven months of last year and down 12 percent in 2006 compared with 2005. Ford and GM, seeing little growth potential, got out of the business. But Chrysler, the minivan inventor and leader, sees growth and is coming out with a new version of its people hauler featuring a seat that swivels so passengers can sit on either side of a table.

For Suermann, though, a minivan did not feel right. "It would just define me," she said. "I lead a sporty, adventuresome lifestyle." I'm a mother and physician. But I was not ready to drive a minivan, "said Sundermann, who competes in triathlons.

"Some people do not want to be seen as kind of that traditional suburban mom driving a minivan," said Sarah Woolson, general sales manager at Saturn of Ann Arbor, the dealership that sold Sundermann her black in Outlook in April.

Crossover sales are up about 15 percent so far this year. At Ford, where crossover sales have risen 44 percent over last year due largely to the Edge, Pipas believes they will continue to pull in buyers from the minivan, SUV and other segments of the market.

Pipas predicted that in two more years, there will be 70 to 80 different crossover models from which buyers can choose.

"This whole category has a long way to go," he said

[ad_2]

[ad_1]

When you are trying to repair your credit, it may be best to try to fix it yourself. If you suffer from bad credit you will find that numerous firms will contact you claiming to be able to assist you in rebuilding your credit for a fee and once you hire them they will take care of everything. However, the truth of the matter is that fixing your credit on your own may be the best thing you could possibly do.

Fixing your own credit can be a difficult process but many who opt to fix their own credit do not find it that difficult to do. More and more people are beginning to repair their own credit. If you want to go this route you need to first contact one or all of the three major credit reporting agencies, Equifax, TransUnion, and Experian. Ask them to send you a free credit report. The FACT act was passed in 2001 by Congress and the act lets every consumer obtain one free copy of their credit report annually.

Once you have obtained a copy of your credit report, you will need to take some time to check all the information for accuracy. You will most likely find some mistakes. These discrepancies may be due to the fact that an old account that you had been paid off but it is still being reflected on you current statement.

Once you have made a list of all of the errors on your credit report, mark them on the credit report or on a sheet of paper. Send a copy of the report to the agency you obtained your credit report from. You may want to contact them by telephone as well. When they receive your complaint they will ask for proof that what is on the report is indeed an error. This is why it is best to send a copy of your credit report to be on the safe side. When they check the error they will not say saying that they have fixed the mistake or that they do not have enough proof to take the mistake off of your credit report. If you want to successfully improve your credit you need to be stringent when it comes to making sure that all the information on the credit report is correct and reflected on your statement.

A big part of beginning any type of credit repair plan, whether you are repairing your credit yourself or using a debt-loan counselor, is making a long-term plan to keep control of your finances so that you will not make the same mistakes you made with your credit in the past. Credit repair counselors are there to assist you but what is the use of paying their fee if you later find out the firm is not reputable?

Repairing your credit is very time consuming and it will require that you take it very seriously. Over a period of time, you will see the positive and favorable results. You will soon know that these results came about through your own motivation and your own efforts. There is absolutely no better feeling.

[ad_2]

[ad_1]

Infiniti has already secured an over the top reputation with the production of high quality, reliable wheelers that refuse to sacrifice performance excellence at any level for routine practicality. More than the steaming styles, the company is highly acclaimed for its durability, great heed paid to the level of comfort and definitely the turbocharged performance vehicles. The manufacturers at Nissan, has given this brand everything that a luxury car must car. For all such reasons, Infiniti is now one of the most desirable cars. But we cannot neglect the fact that not everyone can afford to buy an Infiniti and the solution for such people is Infiniti used

When you decide to buy an Infiniti used car, you must follow certain points that are essential for a satisfying deal. The first step is to find a reliable dealer, who is efficient in his task of providing best used cars. Numerous dealers earn business through the dealing of used cars, so finding a dealer is only a major task but not a problem. Choose the dealer who has seen years of experience in this field, so that he can offer you what exactly you want. Do not forget the fact that a luxury car is something you do not buy again and again. So make a deal that has no scope for any compromise. Except the fresh smell of a new car, you can probably demand for everything in an Infiniti used car. Always try for cars that are few months old. This ensures you a good performance and warranty facilities that you can use. However, the price of the car is fixed only after estimating its condition and status. Focus on all the features of the car with your dealer and check out the efficiency of the car by taking a test drive.

Nissan is the most trusted and one of the oldest names in the automobile industry. This Japanese manufacturer boasts of their amazing capability in the ostentatious range of Infiniti cars. Infiniti follows a different philosophy when it comes to take you on a ride. They do not only focus on the color, mechanism, space and look but pay equal heed to safety, environment and high technology. Infiniti works with the concept of providing a premium ride with perfect ambiance and safety to its buyers. The cars are made strive years of good service, so buying an Infiniti used is by no means a deal of loss. In addition, Infiniti claims to deliver unswerving value through its never ending range of new innovative designs and services.

You may not know about the mechanical details of a car. Therefore, ask your dealer to check for all connections, proper parts of the car you are going to buy and many other specific details that are important to give a good performance including air filter, seats and etc. Do not forget to note the mileage and pick up ability of the car. Even the Infiniti used car has the capability to provide you with years of comfort and luxury.

[ad_2]

[ad_1]

Your eyes will position themselves according to the thoughts that are in your head. By watching your eyes other people can often tell what you are thinking and if you are lying.

Professional poker players know that your eyes can be a dead giveaway. Most professional players are very good at reading body language and are keen at reading them. They also tend to wear sunglasses, ball-caps and other accessories on their faces to hide their eyes.

The behavior of the eyes is fairly predictable, someone will make eye contact with you and during the conversation they take a moment to think. For this brief moment while they access information in their brain, and their eyes will move to a predictable position. Here are what the different positions mean:

– Eyes in the Upper Right (1st person upper-left) – When someone moves their eyes up and right it means that they are accessing the visual part of their memory. In this person’s head they are visualizing objects, colors, movements, and other visual information that pertains to your conversation. If you want to see someone do this a good question to ask them is, “what color is your car?”

– Eyes to the Middle Right (1st person left) – Moving the eyes directly to the right is a sign that they are accessing the auditory part of their memory. The person could be remembering a song, the sound of a voice, or a particular noise. If you ask someone to think about the sound of their alarm clock they should look to the right.

– Eyes Down and Right (1st person down-left) – Someone that is talking to themselves or thinking about what they are about to say next will look down and to the right. Ask someone how a conversation went and they will look down and to the right.

– Eyes Up and Left (1st person up-right) – Looking up and to the left allows someone to access the visual part of their imagination. This person is constructing a picture in their head. If you ask someone to imagine a green sky with red clouds they should look up and to the left.

– Eyes to the Middle Left (1st person right) – A person looking directly to the left is constructing sounds in their head. They may be imagining what an unheard voice sounds like, or putting together a new melody. Ask someone to image the sound of a car horn underwater and they will likely look to the left.

– Eyes Down and Left (1st person down-right) – When thinking about their feelings someone will look down and left. Often when people say “I feel…” They will glance down and left, and you can know they are actually thinking about how they feel.

To detect someone that is lying it is important to understand how their eyes move normally and then take notice when the behavior of these changes. For instance your friend is telling you about his recent vacation and is looking up-right while describing the hotel and the places he visited. Suddenly his eyes move to the upper left and he tells you about this girl that he met while he was there. There is a very good chance that he is lying about the girl.

Many people have become good at lying by learning to mask the signals of a lie. If you watch their eyes, they will likely maintain eye contact while telling a lie, or will shift them away from you. Once again, notice how they were moving them when they were telling the truth and then compare this to when you think they are lying.

Knowing how read people’s eyes can be a huge asset when communicating in person. You will know instantly when someone is lying and will be able to catch them before it slips by.

[ad_2]

[ad_1]

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.

[ad_2]

[ad_1]

First thing, you need to get free quotes from as many transport companies as possible, because having several quotes will be you pricing guide. Without a few quotes first, you have no clue what the average shipping cost for your specific move would actual range. The most convenient way for getting quotes is online. Just search in Google by keywords like, “interstate car transport”,” auto transport”, “car shipping”, etc. The search results will display plenty of companies to choose from. Another good option is word of mouth because referrals speak from their experience which takes the guessing game out of a company.

After you have obtained several free quotes, it’s time for you to compile your data and start sifting through the companies you’ve just received your quotes from. Keep in mind, this isn’t the type of business where you go with the lowest price first, you can pay dearly for that mistake later. The reason being is because there are some companies out there that really don’t care if your car gets moved or not, as long as you paid the initial deposit to book for transport. The lower the rate, the less likely an independent auto transport carrier will accept the job. This can cause major delays with your transport. This problem normally exists when dealing with brokers because they rely solely on independent truckers and motor carrier companies to move their freight.

The verification process is quite simple. First, I would request insurance documents, as well bond if using a broker service. Any legitimate company would be excited and more than happy to forward you their documentation. Second, you would want to verify those documents by either calling the insurance and/or bonding companies noted on the paperwork. You can also go online to the Federal Motor Carrier Safety Administration and not only would you be able to verify insurance and bonding, you will also see reports like company age/ history, safety record, and such. Third but not least, don’t forget the Better Business Bureau, they’ll be able to give you some idea of a company’s business morals.   

You’ve decided which company to use, what next? Well, if they passed the verification process and you’re satisfied with the quote, it’s time to book you car for transport. You can either book online, or call customer service to speak with a representative. Normally a deposit of $100-$300 is required when booking your car for transport, depending on distance and total cost. Your deposit can be made with a credit card, or you can send certified funds by mail. The mail option can delay the process because they will not book your car for transport until the funds are received and cleared. Beware! Most deposits are non refundable in this business if you renege on the contract, so read the fine print.

Your car has been booked, and now it’s time to prepare your car for shipping. Before releasing your car to the transporter, be sure to remove all your personal belongings and wash the vehicle thoroughly. Transport companies will not be responsible for any missing items while in their possession, so it’s wise not to leave anything. Also, washing the car helps tremendously when the driver does a vehicle inspection. A clean car will reveal all noticeable scratches and blemishes so that the driver can do a proper inspection. I would then inspect the drivers’ inspection sheet against my vehicle, to verify if any damages documented are in fact on my car as well. This is your best protection before signing the shipping documents.

Your car has made it to its destination, whether it’s you or someone who represents you, must be sure to do a thorough post inspection now that your vehicle has arrived. A copy of the inspection sheet you received at pick up will be used to match up any damages that may have occurred during transport. In any case of damages, do not sign delivery documents until you and the driver both verify the damages in writing on the inspection sheet. Also, make sure to take photos of the damages at the scene. This is how you prove to the insurance company, the bonding company and the United States Courts, if necessary, your vehicle was damaged during interstate car transport.

[ad_2]

[ad_1]

Are you having problems with your Xbox 360 like three flashing red lights near the power button, or the red error ring, or other problems with overheating, graphic errors, and freeze ups? Well, you are not alone. Albeit the Xbox 360 is far superior to other game consoles, it is not perfect and your only choices for repair are to ship it back to Microsoft or do the repairs yourself.

The overheating problem is one of the most common issues and it can be fixed most of the time by putting the console in a more ventilated place. However, hardware failure (ie, the three flashing lights) is the worst. You can unplug and restart the console and sometimes this fixes the issue but often you will see the same error or after playing for a while it will happen again. The system will need to have repairs done. Microsoft is able to perform these repairs, but the unit has to be shipped to them. This can take a few weeks and depending on the severity of the problem can cost you around $ 150 to have the problem fixed. So hopefully after a few weeks and $ 150 later Microsoft was able to fix the issue and your Xbox 360 is returned without being damaged in transit.

Or, you can fix the three flashing red lights issue yourself. To do this you will need the Xbox 360 Repair Guide. This guide offers simple easy to follow instructions on how to fix all hardware failures as well as other Xbox issues like overheating, graphics errors, and freeze ups. Many people have reported getting their Xbox 360 back in working order in around an hour after reading the instructions. And others have even started their own Xbox 360 repair business buying problem consoles, fixing them, and selling them doubling their money! As you can see this solution far out ways the turnaround time from Microsoft and it's much cheaper in fact you can make money from it.

[ad_2]

[ad_1]

In this week's article, I am going to offer some tips and insight regarding how to order the right credit reports needed to repair your credit.

Believe it or not, a majority of the credit reports offered on the internet does not have the required information (File Number, Confirmation number, or Report number) needed to repair your own credit. So what happens? You try your best to launch a dispute (with the wrong credit report), you find it impossible, you spend more money on new reports, you get frustrated, and you finally give up. Once you have given up, you have saved the credit bureaus a lot of money – and they even made some off you in the process!

Below are four tips that will make the process of ordering your credit reports less intimidating. These tips will also guarantee that you get the right reports needed to repair your credit yourself.

First Tip: DO NOT order your credit reports online. There are over 100 different types of credit reports available on the Internet and very few can be used to repair your credit. When you order your credit reports by phone you are GUARANTEED to have the following; File Number (Trans Union), Confirmation # (Equifax), or Report # (Experian). Once you have those numbers you can begin to repair your credit.

Second Tip: When ordering your credit reports by phone, always choose the option that says you have been declined credit or employment in the last 60 days. When you choose that option you may get your credit reports for free. If not, you might have to pay a small fee.

Third Tip: When ordering your credit reports by phone, choose to order your report without a score. Your score is not important at this time since we both know it needs improving and reports without a score often cost less and are sometimes free.

Fourth Tip: In some cases the credit bureaus will have the wrong address information on file for you, especially if you have moved recently. If this is the case, they might initially deny you access to your report and request that you call and speak to a representative. Do not get discouraged as they hope you do; stay the course and make the extra call if you have to – it's worth it.

The whole report-ordering process will take less than 6 minutes and it's completely automated, so you will not have to speak to anyone. Make sure you write down the confirmation numbers after each call for your records. Below are the phone numbers for each credit bureau:

Trans Union automated phone system Call 800-888-4213.

Experian automated phone system Call 888-397-3742.

Equifax automated phone system Call 800-685-1111.

Once you have received your credit reports from each credit bureau (Trans Union, Equifax, and Experian), you are armed and ready to begin repairing your credit.

I highly recommend a do-it-yourself credit repair system like the one I helped develop – Loan Saver PRO: The One Hour Credit Repair System; here is a link to their site: http://www.loansaverpro.com . The Loan Saver PRO system teaches you how to manage the entire credit repair process and shows you step-by-step how to launch effective online disputes.

As always, I hope the above information helps, and I wish you the best in your credit repair efforts.

Todd Disraeli – Loan Savers LLC © 2004-2005

[ad_2]

[ad_1]

In 2003, the US Congress passed the Fair and Accurate Credit Transactions Act. This article looks at your legal rights under the FACT Act.

There are three main regulations in the FACT Act.

First, financial institutions are required to develop and implement Identity Theft prevention pro
grams for both new and existing accounts. The identity theft programs must have policies and procedures to detect, prevent, and mitigate identity theft.

Second, any creditor who receives a discrepancy notice from a consumer (through the credit bureau) must respond to the charge within 30 days. Otherwise, the mark must be eliminated from the user's credit report.

That means that if you go through your credit report and make a list of the bad marks and forward that list to the credit bureaus, the creditors must provide proof that the black mark was valid or – poof – it disappears from your credit report.

Finally, the creditor must assess whether a change of address notice is valid before forwarding any mail.

Under this law, you also have the right to be informed whenever your credit report plays any part of a decision involving you. For instance, if you were turned down for an apartment, the apartment must dislose to you if they ran your credit. Similarly, if you apply for a job and do not get it, they have to notify you if they ran your credit.

Knowing what your legal rights are under the FACT Act is your first line of defense when it comes to credit repair.

[ad_2]

[ad_1]

Keeping your house and car clean are two of the most important things to do on a day to day basis for any car or home owner.

How many times have you walked into an unkempt or dirty home, how did you feel? Did you lack energy? Did it make you feel down or frustrated?

Now think back to a time when you walked into a house and everything was clean, the carpets had been vacuum the floors moped and surfaces dusted. I bet you felt a million times better than when you were in a dirty home.

The same I'm sure applies to cars you may have sat at some point.

Having a clean house and car has a number of great benefits, the first of which is value. When you maintain a clean house in the long run you are ensuring that your house, your pride and joy, maintains its value. A dirty home will often become the victim of various faults and problems and by avoiding these issues, you are maintaining the value of your home.

The same principle applies to cars too, if you maintain your car and keep it clean and tidy, you are ensuring that you maintain the value of your vehicle in the long term.

With less maintenance required on a clean house or car, you could potentially be saving yourself a small fortune, as well as looking after your investment. And when the time often comes to sell your house or car, you can rest assured that your work has paid off.

By carrying out a few minutes of cleaning and maintenance on your house or home per day, you could in fact be adding value to your home or holding the value of your car. And lets face it, a few minutes each day is all it takes to keep your house or car.

Finally by cleaning your house or car every day, you are saving yourself hours doing it maybe once or twice a week, or even at the weekend when time is valuable.

[ad_2]

[ad_1]

Car radio installation accessories combine of harness adapters leads, fascia adapters, stalk / steering wheel control adapters (also known as SMART leads) and aerial adapters.

One or more of the above adapters may be needed when you are installing an in-dash CD or MP3 player or a complete CD changer package. Car radio installation accessories enable you to install your new radio / head unit seamlessly without the need to cut any wires and so will not invalidate your car warranty.

Harness Lead

Simply connect the harness adapter (by push fit) in between your car radio wiring and your new radio / head unit. This will enable you to connect them together safely and seamlessly. This means that you will not have to cut any of your cars existing wiring, therefore not invalidating the warranty.

Fascia Adapter

Many factory-fitted radios are now a unique shape, design and are integrated into the dash. Removing your factory-fitted radio in order to fit a standard sized radio (ie Alpine, Kenwood, Sony, etc) will alter your dashboard appearance by leaving a large hole. A fascia adapter will reduce this hole enabling your new radio to fit perfectly into the dash reproducing the original look.

Aerial Adapters

You may require an aerial adapter, as some cars use a female socket instead of the conventional male plug. The adapter simply pushes into your cars female socket and the result is a male plug that fits into the rear of your new radio. Conveniently, one is included with all new radios.

Stalk / Steering Wheel Control Adapter

Steering control adapters, commonly known as stalk control leads, enable your car's steering wheel radio controls to remain fully functional when you are adding an aftermarket in-dash radio / head unit on it's own or as part of a CD changer package.

These connect by push fit to your existing wiring at the rear of your radio that is linked to the steering wheel control.

Stalk control leads are available for all car makes and models and for Sony, Kenwood and Panasonic radios. In order for the stalk control lead to be compatible with each brand of radio there must be a specific socket or lead present on the radio that will accept the stalk control lead connection, linking the two together seamlessly.

[ad_2]

[ad_1]

Choosing gifts for your mother is not an easy task to do. When we decide to buy a present, we cannot be 100 percent sure that she will really appreciate it or not. How will you know what she’ll appreciate? You are either a single mother yourself, you asked one what she could really use, or you read this article. A little bit of knowledge in this area goes a long way.

What you SHOULD NOT do:

Do not buy expensive things for her because you think she may like them. You may think it will be greatly appreciated because she likely wouldn’t or couldn’t afford to buy it for herself. This idea is wrong That’s usually not that case. She’ll be very gracious to your face and probably genuinely appreciate the thought. But she may be thinking “couldn’t she have just given me the money so I could get my brakes fixed” or “yeesch, I could pay my electric bill with the money she spent on this!” What many single mothers need is relief. They need a small slice of life taken off their shoulders. They need someone to take their children for three hours so they can have an uninterrupted bath or a nap.

What you SHOULD do:

What would bring a single mother great joy is to have you contact any of the utility companies and pay a month’s bill. She’d love car wash coupons because that may be something frivolous to her, but who doesn’t appreciate a nice clean car. “Let’s see, do I get eggs and milk, or do I drive my car through the car wash?” Or just show up someday with a hose and a bucket and wash it for her – inside and out. Make up babysitting coupons or better yet, just insist on picking up the kids Friday night to take them to a dinner and a movie. Give Mom some space.

What you have to do is finding a common theme in your mother. They don’t necessarily need help and wouldn’t ask for it, but if they received help, it would mean the WORLD to her. Instead of thinking of things that are special and pretty for her, consider what would make her life easier. This isn’t like the old adage you don’t buy your wife a frying pan for her birthday. With single parents, moms in particular, you need to keep in mind relief. How can you give this woman a small nugget of relief to make her life easier?

[ad_2]

[ad_1]

The automobiles of today are light years away from their forefathers especially when it comes to technological features. Power windows are just the tip of the iceberg when it comes to the amount of electronically controlled features found on today's cars. The increasing use of electronically based features is the current trend in the auto industry and it looks like the trend will be continuing for a long time in the future. Experts in the field although expressed their concerns that with the increasing use of electronics on board vehicles – the development of fault-tolerant electronic components should be given utmost importance.

Since electronic controls are being used not only on the comfort and convenience features of vehicles but also in safety features, it is imperative that they should not be prejudiced to malfunctions. While experts in the field say that the development of these fault-tolerant components is just in its early stage, a steady growth in the future in the field is expected. Aside from safety features, electronic components are also used on security features and powertrain operations. Thus, the use of fault-tolerant components is of utmost importance. Breakdown of electronic components employed in safety, security, and drivetrain can lead to accidents.

It is therefore imperative that car manufacturers help in the development of these technologies to be employed by their vehicles. For those car companies that place greater importance on the safety of their customers more than revenues, the use of advanced fault-tolerant components is a must.

The importance of fault-tolerant components and the impact of their importance to the industry are emphasized by Research Analyst Bonnie Varghese K. of Frost & Sullivan when they were noted to have said: "The increasing deployment of electronic content in automobiles will drive demand for Fault-tolerant devices are being largely adopted in areas where there is a higher risk of human error, such as in collision avoidance and driver assistance applications. "

Developing more advanced fault-tolerant devices though is not as easy as reading repair manuals because there is a threat that would have eliminated the growth of the fault-tolerant component market. Varghese explained the situation of the industry in his statement that: "Critical applications in automobiles such as anti-lock braking system and powertrain are becoming increasingly fault tolerant, which means that they must undergo several tests and quality certificates before being implemented." As a result, it will take longer before investments in designing and developing products can be realized, a trend that will discourage the potential entry of smaller participants. "

Neverheless, the developments being made in the fault tolerant components industry is a good step towards protecting the general motoring public from any malfunctions that electronic vehicle components may suffer.

[ad_2]