Things To Know Regarding Matters Related To Vehicle Finance

Do you want to purchase a vehicle? In today’s world, there are only a handful of people who can afford to pay off all that money in cash a high end vehicle would cost. But what about those who desperately need a vehicle either for personal or commercial purposes, but cannot afford to pay the sum at one go? Keeping the needs of such people in mind, these schemes about Vehicle Finance have been launched by quality financial institutions.

What kind of schemes can you think of in this regard? There are host of schemes to choose from, depending upon the choice and make of your desired vehicle. Funds that would be granted to a person for purchasing a certain vehicle will also depend on it being a new or an old one. Additionally, if a person wants to avoid any kind of dealership, they can avail Private Finances for vehicle purchase as well.

And what would a person need to do with regards to his choice of vehicle? This is matter of personal taste, with little room for solicitation here. But it would be advisable to keep in mind a few things before making a choice. As you are seeking finance for which you have to pay off periodic interests, it is advisable to opt for something which offers nice features as well as good value for money. An eye should also be kept on discounts and interest rates associated with a ride.

If people need Car Finance, they should also have to meet certain criteria which are put forward by the authority granting those funds. These conditions are not something which is over the moon, but simple things that make matters easy for both the lender and you. And what kind of criteria are these? Very basic ones like having a valid driving license registered against your name, a certain minimum monthly income, no cases of defaulting on debts etc.

Can people apply for such schemes over the internet? Definitely they can! Almost every financial institution that grants such finances offer online finance schemes and other related information on their official website. You can simply put in your details to check for your eligibility and also avail quotes free of cost from the website.

So, if you do need Vehicle Finance now or at some point of time when you decide upon buying a ride, these were just some useful information. You can always contact a finance company personally to know more clearly about each and every aspect. And that is something which is advisable as well.

Auto Insurance for Teenagers – Ten Tips to Reduce the Cost

Let’s face it – auto insurance for teenagers and drivers under 25 is going to be more expensive than it is for older drivers. Insurance is all about risk, and insurance companies know that teenagers and students are a high risk group. Because they are inexperienced and sometimes careless, they tend to have more accidents and make more claims. You have to pay for the mistakes of others in your peer group! Typical prices are 2.5 to 3.5 times the base rate depending upon where you live and whether you are male or female. The average cost of auto insurance for teens could be around $290 per month for a 16 year old female, and more for a male.

But, there is good news – here are some things that you can do to make sure you do not pay too much.

  • About the car

Choose you car wisely – flashy cars are going to be much more expensive to insure and are also more likely to get stolen.

Go for older cars with safety and security features because they are cheaper to insure.

  • About You

See if you can be added to your parents policy as a named driver – their premium will go up, but maybe not as much as if you get your own policy

Ask for a discount if you are a good student – some companies give discounts if you are getting B grades or better.

Take an approved drivers education course – it may cost to do it but you could get the money back in reduced insurance costs by up to 15%, and you also benefit from being a safer driver.

Keep out of trouble on the road – no speeding, traffic violations, accidents or DUIs (Driving Under the Influence of alcohol or drugs). A good record will reduce your bill.

  • About the policy

Consider increasing your deductible amount if you can afford it – this is the amount you have to pay if you make a claim. If you can afford to increase it to say $1000 that can dramatically reduce your premium.

Choose a comfortable level of protection against collision damage and theft so you can stay on the road if the worst happens. You can reduce your premium by not including them in your policy.

As a last resort, you could take out only the legal minimum basic liability protection – but be aware that you and your vehicle would not be covered if you have an accident. Also, there will be a limit on the amount the insurance company will pay out if you cause an accident, so this could be very expensive in the long run.

Get on-line quotes from at least five companies in your state – shopping around will ensure the best value, but make sure you compare like for like and not just the headline rates.

After buying your car, the next most expensive item is the auto insurance. For teens, this may be almost as much as the vehicle itself, so it pays to choose your policy wisely.

2014 Hyundai Santa Fe Sport and Sonata receive “BEST BET” awards

Hyundai continues to rack up accolades. The latest honors were announced on March 6: the Santa Fe Sport and Sonata received “BEST BET” awards for safety and performance in the 34th edition of The Car Book, America’s original consumer car buying guide.

Hyundai Motor America notes that this is the fourth consecutive year that the Sonata has received this honor. “Hyundai continues to exceed customer expectations in terms of build quality and standard features,” noted Jack Gillis, author of The Car Book. He added, “By offering vehicles that respond to the safety and performance needs of today’s consumers, Hyundai continues to make a significant contribution to improving the market choices for the American car buyer.”

Hyundai notes that The Car Book is now in its 34th consecutive year of offering buying tips to consumers. Its “BEST BETS” distinctions are awarded annually to new vehicles that cater to the needs of American consumers, and in turn, make a significant contribution to the American automotive market. Ratings are given in nine categories: crash tests, safety features, rollover, preventative maintenance, repair costs, warranty, fuel economy, customer complaints, and insurance costs.

“While Hyundai’s vehicles can be tailored to suit a customer’s lifestyle, there are two aspects that should never be overlooked: safety and standard features,” noted Scott Margason, Director of Product Planning, Hyundai Motor America. He added, “Hyundai is committed to catering to the changing needs of our customers, and receiving the ‘BEST BETS’ accolade acknowledges our ability to deliver high quality vehicles across our entire lineup.”

The mid-sized 2014 Sonata is popular for a number of reasons. Its 190 HP four-banger delivers 24 city and 35 highway EPA mileage has plenty of oomph. If you crave more, a turbo version is available. The vehicle contains an adequate amount of techno-features, including Blue Link and seven-inch Infotainment System and its Fluidic Sculpture design is eye candy.

The 2014 Santa Fe Sport can be had with the same two engine options as the Sonata. Because it pushes more air, it suffers a small mileage hit. For those that want to leave the beaten path, all wheel drive is available. It also contains similar techno-features as the Sonata.

Enhance Engine Life With Oil Filters

Due diligence on the quality and capacity of the engine component is perhaps one parameter for selecting your dream car but, maintenance is yet another story.

Understanding the role of an oil filter is essential as it is integral to internal-combustion engines in motor vehicles, earth moving machinery, naval vessels, light aircraft models and marine applications. Oil filtration of engines is the first bypass mechanism to remove pollutants from engine oil in your vehicles.

It is well known that oil or lubricants is essential in keeping engine parts moving and preventing damage caused due to trapped contaminants.

The role of engine oil thus directly impacts on engine emission controls and other stipulated tolerances. Quality engine oil in sync with in-built efficient filtration technology is therefore essential in facilitating emission controls.

Engine oils play a dual role in removing heat by maintaining uniform circulation within the engine and in doing so helps to flush out pollutants from the engine.

It is more important to change engine oil regularly for older engines. While new engine designs demand finer filtration mode as compared to older models, there is a need to change these filters regularly after every 3000 miles with every oil change.

Such replacement filtration tools are also designed to purify lubricating oil or hydraulic oil and find applications in a number of hydraulic mechanics.

A number of distributors offer choice of oil filters online, so as to choose from a range of
air, oil and cabin cleaning technologies along with their respective service kits.

Know Your Oil Filters

Did you know that the oil supplied to any vehicle is cleaned at least four or five times per minute so as to allow clean oil to pass through the engine?

The mechanism is thus based on a continuous multi-pass system whereby engine oil is allowed to pass through a filter to remove dirt and impurities in order to de-clog the engine.

Overall, the efficiency of oil purification helps to prevent damage to the engine’s bearings and crankshaft. Thus, cleaning of dirty car oil is critical for increased efficiency, which gets translated into longevity of the engine by reducing its excessive wear and tear.

Good oil screening technique can ascertain improved flow so as to minimize oil starvation and thereby protect the engine. Mechanical, cartridge and spin-on, sedimentation, centrifugal and high efficiency (HE) filters are the popular for washing off oil based-contaminants.

These find applications in engines based on the levels of clean oil required and this impact the price affordability for such clean engine component. The cost gradually increases with higher levels of cleanliness in engines.

Much Needed Air Cleaning

Engines running on internal fuel combustion obviously need air to function. Without air or oxygen, it is impossible for fuels such as diesel and gasoline to burn and provide an explosive force that powers an engine.

This requires appropriate amount of clean air to pass through the engine gullets that often trap particulate matter damaging engine life. To the rescue are air cleaners that enable clean air to enter into the engine’s combustion chambers and reduces debris from contaminated air from damaging engine components.

General Information About Car Insurance Online

When you choose to buy a car, you also need to start considering buying a car insurance. And it is strictly advisable to opt for buying a Car Insurance Online, where you can compare different plans that would work to your advantage, get a free quote online, review the benefits and features, and get an overview on the comprehensive and third- party car insurance cover.

  • Benefits Of Car Insurance Online

Sometime back insurance was sold only through the traditional method of purchasing through the agent. But with the advent of technology and extensive internet usage when almost every home has the facility of internet, buying insurance from the convenience of home, with the easiness of seeing and comparing plans, getting a free quote online, purchasing through online method has brought in a great relief for the customers who formerly had no choice other than to depend on the agent for buying a policy or standing in long queues to pay the premium.

It is advisable that you visit the website of car insurance provider and get quotes online before making the choice of purchasing. You will find a lot many attractive offers. Certain ones are enumerated below:

  1. You can get car insurances policies online offering the advantage of cashless claims at thousands of branches of the respective providers. This way the claims will be settled between the service provider and the insurance company and you have nothing to pay. In case the expenditure goes beyond the coverage limit then you might need to settle the additional amount.
  2. Some insurance companies offer good discount on car insurance premium if purchased online or renewed online if no claims are made the previous year.
  3. No claim bonus is allowed every year if no claim is made during the previous year. The incentive is available if renewal is done through the same insurance provider or if other insurance provider is opted. It is further negotiable on case to case basis.
  4. Facilities for insurance are offered for new as well as old cars.
  5. You can buy insurance cover online and get great benefits like roadside assistancein case your vehicle is damaged beyond repair on the spot, depreciation cover, medical expense cover, etc.

Facilities can be availed for all types of vehicles – private car, two wheeler, commercial cars, etc.

  • Third Party Insurance

While going in for car insurance, one should never forget that third-party cover is mandatory. So you can buy third- party cover along with car insurance policy to avail comprehensive protection towards damages against other’s vehicle. Third-party cover is very useful. Very often we hear or read that the court has offered the third-party with compensation of lakhs and in some cases even tens of lakhs of rupees in major injuries or accidental deaths. It is beyond the capacity of any ordinary man to pay such an exorbitant compensation. So it is here that the third-party insurance cover comes to your rescue whereby the insurer takes sufficient care of your liability to settlement of claims for third-party.

  • Car Insurance Premium

One does not have to unnecessarily worry for payment of insurance premium. A lot of options are available to suit different pockets. As much as 50-60% premium discount is available with some providers. Then some providers offer up to 50% no-claim bonus if you have not preferred any claim in the previous year and the incentive continues likewise for all the coming years.

But one thing has to be strictly borne in mind that insurance premium has to be paid in time every year lest you are deprived of all the benefits of the insurance cover, including third-party cover.

Changing Your Car’S Battery

The following things are required:

  • A new battery
  • Safety glasses
  • Clean water
  • A socket wrench or an adjustable wrench
  • A can of Rust-O-Lieum primer
  • Battery terminal cleaner or wire brush
  • White lithium grease
  • Rubber gloves (optional)

The need to replace your battery

For proper operation of your car, having a good battery is essential. If proper care and maintenance is given to the battery, it can last for up to 5 years. Problems and failures of batteries can take place in as sooner as three years and that too in places where weather conditions are extreme – either too hot or too cold as such conditions tends to impose a heavy toll on the battery of the vehicle. In addition to this, other causes of premature failing of the battery include undercharging, overcharging, vibration and abuse. The modern design of vehicles batteries is as such that a constant drain system is included even if the car is parked as well since long sitting time periods may also cause the battery to go dead thereby, requiring to be charged.

At one point or another, getting your car battery changed becomes empirical. Although, the task is simple however, severe corrosion can make it difficult. If your battery is also facing issues, take it to a professional who will fix it up for you.

Get your car battery under perfect working conditions. You can check a local auto spare parts store so as to get the right size and type of battery for your vehicle. Bringing in your old battery to get a new one is a good idea and you can also leave the old one in order to get it recycled. Also ensure that the new battery you purchased is charged completely.


  • Get the negative cable disconnected first and then get the positive cable disconnected.
  • Remove the hold down of the battery. It can be on top of the battery or on the tray which is clamped onto the side of the battery.
  • Once free, lift it up carefully out of the tray.


  • Analyze the battery tray, if there is any signs of corrosion or rust clean it with water. Leave the tray to dry and the spray primer so as to prevent future corrosion.
  • Place the new battery on the tray and the reinstall the hold own clamp.
  • If your battery has a top terminal, remove debris from the cables within the battery and the battery posts with a wire brush.
  • Make sure there is no corrosion on the cables of the battery.
  • Join the positive cable first and then the negative cable. Tighten then but avoid over tighten.
  • Coat the battery terminals with white lithium grease so as to avoid corrosion.
  • Get the engine started and the task is completed.

Buying Second Hand Cars Does Worth To Your Money?

Made use of automobiles are clearly a less expensive choice to those showy brand-new ones. Yet are they actually worth the buy? Just how can you see to it you acquire simply the most trustworthy secondhand car, SUV, 4×4, or industrial car by detecting lemons from the most effective acquires? Permit’s have a look at the unusual realities concerning getting automobiles to address these problems.

A Freshly Acquired Vehicle’s Worth Comes by Merely Eventually

Merely just how much does it require to reduce the brand-new vehicle’s initial cost by approximately 20 percent? Simply SOMEDAY– that minute when the brand-new proprietor drives it out from the auto dealership’s home. Yes, that’s devaluation’s initial bite, and it proceeds till the 3rd year of having the car, when around 30 percent of the initial cost will certainly have been cut, and also the minute the automobile gets to 100,000 kilometers in gas mileage. So, with deprecation in thoughts, it would certainly definitely be smart to acquire a used vehicle given that the initial proprietor would certainly have currently presumed the declined.

Now, all that you should be bothered with are the upkeep expenses. And to handle this, see to it you have your automobile examined initially by a mechanic or any sort of 3rd party organizations when readily available.

The moment you detect the very best previously owned auto out there, you will certainly take pleasure in a practically limitless selection of advantages like energy economic climate, security and reduced upkeep prices, simply among others.

Made use of Cars Have Lower Insurance policy Expenses and Financing Terms

Some secondhand auto dealerships provide funding remedies to make it also easier for you to obtain your secondhand car at the least feasible time without forking over a huge portion of money from your pocket. Obviously, reduced price require reduced financing terms.

Likewise, pre-owned cars clearly have lesser insurance policy prices as a result of their reduced resale worth, as long as every part is effectively preserved and serviced.

Hence, with all these cost savings, you reach appreciate the remainder of the cash exempted for various other expenditures like boosting the general appearances of your motor vehicle by acquiring extra devices and security attributes. This then rises your vehicle’s worth, merely in instance you intend to market it in the future.

Utilized Cars Aid You Stay clear of Hefty Hidden Charges, Customers Tax bills and Various other Profits

Depending upon your area, significant customers tax obligations typically have acquiring brand-new automobiles, while the very same is practically non-existent when it concerns obtaining the secondhand ones. As if that is inadequate, auto dealerships themselves include profits to the last rate, describing them as registration, dealing with or delivering costs.

Include all these expenditures to the real rate of the all new car and you’ll start to value simply just how much economic situation you could possibly appreciate with getting roadworthy and reputable made use of automobiles.

Staying clear of the Pricey Error of Chancing After Lemons

Since we have actually outlined the pros of getting pre-owned automobiles, the following obstacle would certainly be to identify the bargains from the possibly pricey lemons. As we have actually pointed out, find the aid of third-party technicians or specialists to assist you examine the dependability of the secondhand auto you desire to acquire.

As an example, in the state of Victoria, Australia, the Royal Car Club of Victoria (RACV) manages the assessment and authorization of secondhand vehicles sent out for screening by RACV-approved automobile dealerships.

So, if you desire to buy among the made use of autos available for sale in Melbourne, for example, pick a vehicle dealership that’s environment-friendly light-certified by RACV. It will certainly then comply with that whatever make and design you select, it’s willing to be thumbs-up licensed too.

Chevrolet Is a Fastest-Selling Car Model

If you know about the witch automobile brands is fastest in the market service? You have found that Chevrolet automobile brand recently the fastest-selling car in the market. If you prefer a unique awesome looking car, then you should definitely choose the Chevrolet automotive brands. There have a good service quality, features, and engine quality as compare to other automotive brand.

New Chevrolet cars Portland has a different types of brands have emerged providing regular to luxury types of cars and automobiles. The performance of the Chevrolet car is good as compare to other. Chevrolet cars in Portland are the very old and reliable car brand. If you move back in the olden times of Portland, many imperial people were appreciating the Chevrolet cars. Recently Chevrolet has invented the many cars in the Portland car market, according to the rising trend and requirement. The car has an incomparable unbelievable plan with outstanding loveliness and stylishness that makes it in equilibrium with international principles. The Chevrolet brand rapidly captured the imagination of the car loving neighborhood because of its trustworthiness and routine. Handling and fuel monetary classification were also attractive factors of the brand name. Chevy Service and Repair Department Milwaukie is a combine of the approach, comfort, authority & knowledge and all these ingredients make the car tastiest and elegant. The material used in the making of this car is more mechanically advanced and makes driving a delightful and wonderful. It is associated with the trust and luxury. The car is equipped with the Sequential Electronic Fuel Injection system.

Chevy Service and Repair Department Milwaukie is a Comfort and Convenience. It provides a proper service when your automotive brand is in warranty periods. The internal district of the Chevrolet models is expected to be rather spacious, and made of enormous superiority materials. Chevrolet cars are truthfully at the split second amongst the most good-looking and groundbreaking cars in the universal marketplace. They are tremendously comfortable cars. They have an extremely exceptional olden times and standpoint. Chevrolet is one of the dependable, faithful and trustworthy brands serving Milwaukie with excellence models. Chevy service in Milwaukee has a variety of options of cars that range as of financial & fuel efficiency for fast & athletic automobiles. The Chevrolet is leaving to be kept up for the opposition while they give financial and environmentally cars. There are various cars available which is never less than wonders. These cars are having unbelievable lives of engines and also of the outstanding engines. Cars are obtainable in many nice-looking models. These cars are obtainable in the marketplace. There are plentiful luxury cars out there in the automobile advertise, but there is nothing fairly like a Chevrolet automotive brand. Genuine Chevrolet auto parts are made special to fit you create and mock-up of the car. Most aftermarket items are designed to fit a broad variety of car makes and models, so they may necessitate modification for a proper fit and the variety of accessories, stylish looks, wealthy interiors and reassure level obtainable by Chevrolet is pure brilliance.

Getting Your Air Filter Changed

The performance of a car is effected on various levels if it’s operating with clogged. It tends to reduce the power of your car which is the utmost requirement when you are on the go. Probably, the most affected area of clogged is that on the gas mileage. Getting the changed will take only your 10 minutes as well as $20 as a charge. Following mentioned are some easy steps through which you can get this task completed easily and quickly.


Trace and open the filter housing

Having the hood opened and propped safely, trace the housing position of the air filter. If the make of your car is 20 years old, then this will be placed in a black plastic case having metal clips on the side. Flip the metal clips in a downward motion. If they are tight, slide in a screwdriver and the case at the top. Get it popped off. There may be some housing which includes holding nuts from the top.

Squirrel the nuts

If your housing is handled by nuts and you remove them, make sure that they are placed in a safe place as you cannot afford losing them. The vehicle used in our example, the top of the housing of the is removed so it has been placed on the housing top from where they cannot roll away. They can also be placed in your pocket. No matter what you do, keep them in a safe place from where you can get them easily.

Remove the old filter

No matter which shape your filter is manufactured in – rectangular or round – it is surrounded by many folded paper made of rubber. Prior to removing the air filter, examine the entire way in which it has been installed so that the new can be placed easily and correctly. Carefully take out the filter avoiding other things to fall off in the box.

Place the new filter over there

Place the new and clean filter. Make sure that the settings and configurations are same to that of the filter removed. Even if you make a mistake, you do not have to worry as if the filter is placed wrongly, the top will never close down. Moreover, make sure that the rubber gasket of the is pressed within the housing. In case, if it is difficult to get it fixed, recheck the process and correct issues.

You have now saved both time as well as money spent of gas along with getting the air filter installed by yourself. The entire job takes about 10 minutes and you will see considerable difference within the hood. This is simply because changing the entire filter is completed by yourself.

Getting the air filter of your car removed or replaced at your own is no longer a difficult task. All you require is a certain degree of knowledge related to cars and you can get the task completed easily and affectively.

Cheap California Auto Insurance – How To Save 50%

Cheap California auto insurance Save 50% or more Read this and Save on your California car insurance rates by doing these things and saving money.

If you live in the state of California and you drive a car by law you must have car insurance or you are going to face a very stiff penalty. The reason for this law is because the people in California do not believe that they should be penalized and jeopardized by irresponsible drivers who might cause injury or property damage to them.

California minimum requirements for automobile insurance

Bodily Injury Liability is $15,000 with a $30,000 Limit
Property Damage Liability: $5,000 Limit
Required limits for drivers in the California Automobile Assigned Risk Plan are $10,000/$20,000/$3,000 Limits

There are some things however you can do to save money on your car insurance in the state of California.

Keep a clean credit report. 10% off

Car insurance companies will check your credit report when you apply for car insurance. If you have a low credit score you’re going to have a higher price for your automobile insurance. The thing to do is to get all of your bills paid on time and keep your bills caught up for at least three months before you apply for car insurance.

Drive a four-door sedan. 5% to 10% off

Most people don’t realize that the type of car you drive is very important when it comes to pricing car insurance.

Liability insurance. 20% off

If you dropped your comprehensive and collision car insurance and just go with liability insurance the price will be much cheaper. You can only do this however if your car is paid for and not financed.

Raise your deductible. 40% off

Raise your deductible to $1000 per accident or even $1500 per accident and this will have the effect of dropping your car insurance 40 to 50%.

Cheap California auto insurance rates can be much lower if you will take the time to read over your present policy and apply these discounts.

How to Prepare A Winter Emergency Kit for Your Car

With these frigid cold temperatures, freezing rain and snow storms, it is important to be prepared for the worst. Whether you are a local driver or long distance commuter, always be prepared.

A roadside emergency can happen at any time, whether your car is new or old. A range of problems can cause it, from a tire failure or mechanical breakdown to running out of fuel. At best, it’s an annoyance; at worst, it can compromise your safety. Being prepared with a basic emergency kit can increase your safety, reduce stress, and help you get back on the road faster.

Even if you have roadside-assistance coverage or an automobile-club membership with roadside assistance, you usually need access to a phone in order to contact them and you may have to wait on the side of the road for an hour or more before help arrives.

Prepare an emergency car kit

A basic car kit should contain the following:

  • Food that won’t spoil, such as energy bars
  • Water–plastic bottles (replace them every six months)
  • Blanket
  • Extra clothing and shoes or boots
  • First aid kit with seatbelt cutter
  • Small shovel, scraper and snowbrush
  • Candle in a deep can and matches
  • Wind‑up flashlight
  • Whistle–in case you need to attract attention
  • Roadmaps

Items to keep in your trunk:

  • Sand, salt
  • Antifreeze and windshield washer fluid
  • Tow rope
  • Jumper cables
  • Fire extinguisher
  • Warning light or road flares

Survival tips:

  • Prepare your vehicle: Make sure you keep your gas tank at least half full.
  • Be easy to find: Tell someone where you are going and the route you will take.
  • If stuck: Tie a fluorescent flag (from your kit) on your antenna or hang it out the window.
  • At night, keep your dome light on. Rescue crews can see a small glow at a distance.
  • To reduce battery drain, use emergency flashers only if you hear approachingvehicles. If you’re with someone else, make sure at least one person is awake and keeping watch for help at all times.
  • Stay in your vehicle: Walking in a storm can be very dangerous. You might become lost or exhausted. Your vehicle is a good shelter.
  • Avoid Overexertion: Shoveling snow or pushing your car takes a lot of effort in storm conditions. Don’t risk a heart attack or injury. That work can also make you hot and sweaty. Wet clothing loses insulation value, making you susceptible to hypothermia.
  • Fresh Air: It’s better to be cold and awake than comfortably warm and sleepy. Snow can plug your vehicle’s exhaust system and cause deadly carbon monoxide gas to enter your car. Only run the engine for 10 minutes an hour and make sure the exhaust pipe is free of snow. Keeping a window open a crack while running the engine is also a good idea.
  • Don’t expect to be comfortable: You want to survive until you’re found. Follow all of these tips and remember to be safe and cautious during the winter season.

Simple Tips to Trim Your Car Insurance Bill

Who doesn’t want to own a car? You can commute to any place at anytime when you have a car. But, owning a car is not all about traveling convenience, rather it’s a sign of your living standard. However, every car owner must invest in a car insurance to comply with law of the land. This is where you need to consider a few things that help you reduce your premium. By investing less, you can reap a lot of benefits. Here’s how.

Experts say that insurers prepare a plethora of clauses under which one can avail premium discounts on car insurance. Understanding these features can help you be aware of what discounts you can avail; and how to avail these discounts and whether these discounts makes sense fiscally.

However, over the last few years, the criteria for premium rating factors has witnessed changes beyond the four parameters prevalent earlier, viz. engine capacity, geographical zone, price and age of vehicle. These days many new parameters are considered to determine the premium rates. They have given birth to a lot of ways to be followed to lower your car insurance bill.

You can, for example, reduce the premium rates by 10-30 per cent by giving the proper and correct information to your insurer when you buy a car insurance policy online or offline. A new insurance company may not always offer you the best quotes for the plan that fits your need and budget. By taking a few steps and paying proper attention to certain facts, you can save on your car insurance premium. Read on to learn more:

  • No claims bonus

A no claims bonus is a comprehensive facility designed to offer extensive benefits to customers. This facility is given to an individual when he or she does not claim against a car insurance policy during the period of time specified by the insurer. A no claims bonus is offered in a form of specific percentage reduction in your premium in the subsequent years. This bonus increases with each claim-free year. It typically starts with 20% and can go up to maximum 50%.

  • Voluntary deductible discount

A popular car insurance company offers a discount to its customers on their vehicle premium when it finds that customers can bear a certain amount of loss in regard to each claim. This is where a voluntary deductible amount plays a vital role. A voluntary deductible discount is an amount that a customer agrees to pay in order to get more cover by the insurer. What needs to be kept in mind is that higher the voluntary deductible, the lower is the premium. The discounts offered with this feature typically fluctuate between 20% and 35% of the premium, subject to a maximum of Rs 3,500. When you buy a car insurance plan online, do review the amounts of voluntary deductible against the discounts. Remember, the discount amount should actually be higher than the voluntary deductible.

  • Make and model of the car

One of the major factors to be listed on the to-do list is to consider the make and model of your vehicle. Every make and model possesses its own claim record. An insurance company fixes the price of the vehicle on its claim experience. It may be that some models are more claim-prone due to their structure or usage and the premium will factor in all these facets. Experts are of the view that there are some makes/models that have prohibitive repair costs. So discounts may even depend on repair cost charged on certain make/models.

So determine these three factors at the time of purchasing a car insurance policy. It will help you trim your car insurance bill.

A car does not just help you roam in and out of your town; it can also help you save a lot of time and money. However, for this you need to do a thought through research in order to know what affects your car most. By investing in insurance, you can save. This article tells you how to pay lesser premium and reap more benefits.

Dodge Durango blower motor resistor troubles?

If you own a 2001-2004 model year Dodge Durango or Dodge Dakota and you have experienced blower motor resistor troubles, this article is for you! Tell-tale signs of a Dodge blower motor resistor which has gone on the fritz commonly involve the high-speed functionality of the vehicle’s blower motor. This is typically noticed in one of the following two scenarios:

High speed blower function no longer works but all other speeds work fine
Only high speed blower function is operational while remaining speeds are inoperative

If this happens with your vehicle, the likelihood is that the blower motor resistor will need to be replaced. If the blower motor has completely stopped working in your vehicle, the resistor still may be the problem, but other potential causes for the failure should be ruled out first so a bit more detailed troubleshooting is prudent. Even when the problem is caused by a defective blower motor resistor, the repair may not be as simple as replacing the resistor itself.

When a blower motor resistor failure occurs on these specific vehicles, a quick visual inspection of the electrical connection to the resistor may reveal that a large amount of heat accompanied the failure. It is not uncommon to discover a partially melted electrical connector and in some cases, the wires entering the connector may show signs of burned or melted insulation as well. Fortunately, all of the components required to perform this repair are available bundled together as a single repair kit. The parts gurus at Ann Schmidt Chrysler Dodge Jeep market this kit on eBay for a very reasonable price. Any of the following Metro Detroit Dodge dealerships should also be able to order the parts, with the wiring harness pigtail repair kit being part number 5017124AC and the blower motor resistor being part number 5061575AA:

Bill Snethkamp – Highland Park
Ray Laethem Chrysler Dodge Jeep Ram – Grosse Pointe
Northland Chrysler Jeep Dodge – Oak Park
Galeana’s Van Dyke Dodge – Warren
Roseville Chrysler Dodge Jeep Ram- Roseville
Telegraph Dodge Chrysler Jeep – Taylor
Southfield Dodge Chrysler Jeep – Southfield
Suburban Chrysler Jeep Dodge Of Troy – Troy
McInerney’s Woodhaven Chrysler Jeep Dodge – Woodhaven

It is not for the casual do-it-yourself individual, however, as it does require cutting, splicing, and soldering the vehicle’s electrical wiring harness. If you do not feel comfortable performing this level of repair on your own, purchasing the kit and then taking both your vehicle and the repair kit to your local certified automotive technician is a good option.

Once the new blower motor resistor has been installed and the wiring connector repaired, you will find that the blower motor is functional again. As everything will appear to be working properly, most people will consider the repair complete and move on, only to find that the blower motor resistor fails again a month or two later. This problem can be avoided.

Remember the large amount of heat we discussed earlier? This heat frequently results from a blower motor which is drawing too much current, thus causing the resistor and connector to heat up and fail. To ensure your vehicle is truly “fixed the first time,” be sure to replace the blower motor with a new one anytime a blower motor resistor failure is accompanied by a melted electrical connector. New blower motors can be acquired directly from your local Dodge dealership (Chrysler part number 4885669AC) as well as numerous aftermarket vendors. I have personally used Discount Starter and Alternator with great results but there are others out there too so don’t be afraid to shop around a little.

Happy Motoring!

Learn How You Can Discover the Car and Price of Your Dreams

When the time concerns purchase a brand-new car, whether brand-new or utilized, you need to be sure that you are properly educated on the target. If you’re not, there is a possibility that you can end up with a less-than-ideal car. Permit the complying with pointers to be your quick guide when car shopping.

Always ask the seller if they are willing to allow you do a test drive. While some exclusive vendors might not supply you the opportunity to do a test drive, there are numerous that will. You must try to do your handle someone who will certainly permit you to view just how the car runs.

Enter into the dealer with a bottom line price in thoughts. The sales person might attempt to concentrate on the monthly repayments or financing terms, yet your target must be to obtain the price you wish on the car you wish. You could constantly bargain the financing terms later on, and even fund with your very own financial institution outside of the dealer.

Never turn over your trade-in keys to the sales representative before the deal is completed. Some assertive salespeople will certainly hang onto them in an initiative to compel you into hearing them out, even after you have declined a bargain. Keep the keys in your property and just hand them over when the offer is done.

Whenever shopping for a pre-owned car, it would certainly be smart to stick with accredited used motor vehicles as this significantly reduces the possibility that you’ll end up with a car that is in bad condition. Merely ensure that the qualification if provided by the car maker instead of the dealer.

To ensure that your car buying process yield the most effective feasible selection for you and your family; assume thoroughly concerning your driving and way of life behaviors. Deliberately taking into consideration the sort of use the vehicle is likely to obtain will certainly assist you select the right one. Failure to keep factors such as fuel-efficiency or hauling capacity in thoughts while shopping can create you to acquire something that winds up being impractical for your daily needs.

Offer to buy a car instantly if the dealership will certainly satisfy your rate demands. Deal a cost that is practical, normally at or a little over invoice. Come equipped with info regarding exactly how you involved this rate, and request a commitment in creating that they accept it.

Energy economic situation should be considered prior to acquiring a car. A car that has good gas mileage could cost a bit even more to purchase, however over five years you will conserve a bunch of cash on gas. Think of the long-lasting when making a decision which car to buy.

Make sure you know all the readily available rewards prior to you start negotiations. You need to know all you can approximately trade-in policies and worth, charges from investors, car warranties, incentives and refunds. Understanding these rewards will give you with the expertise and confidence you require so that you can visit a dealership and obtain the very best offer on your car.

As stated primarily of this short article, you ought to truly be well-educated on looking for a car. This is so you could stay clear of obtaining a car that does not make you satisfied. If you properly utilize the recommendations this short article has actually offered you with, you will certainly be wanted with the car you get.

Domestic CL72 Honda pickup, delivery and initial troubleshooting/repairs

DAY ONE: I met with the seller at 3:30, loaded the bike up and headed out returning home by 4PM. The wonky transmission symptoms had really peaked my interest and I couldn’t resist tearing right into the clutch cover as soon as it was off the truck. … Spoiler alert! I had the clutch apart and back together and out for a test ride by 6PM. It really DOES have 4 gears after all… no engine case splitting required!

What was discovered, in detail, is that the clutch was a stock 5-plate clutch as seen on any CB/CL77 from 1965-onwards and it showed signs of being “stuck” for awhile in its life. The steel plates had a light coating of rust/friction material and the friction plates were glazed and shiny. The clutch springs had a bit of yellow paint on them and were not the dreaded -275-810 racing clutch springs. The springs were replaced with a new set that seemed to be the same tension and length.

The splined end of the shift shaft was twisted slightly and bent off to one side, causing the shift lever to rub against the clutch cover boss around the shift shaft seal area. This binding friction prevented the shift arm, located inside the engine behind the clutch assembly, from selecting the next gear, unless the shift lever was manually moved with some force.

With the clutch and primary chain out of the way, the shift drum end could be accessed to allow manual shifting of the gears and observing the shift arm following the drum detents. There were no obvious defects in the shift mechanism, so all that was needed was to replace the shift shaft assembly with a good used item from my spares.

In removing the clutch cover, the outer oil filter cover must be removed first. The cover came out with the shaft firmly attached. Closer inspection revealed that the previous mechanic had failed to notice the position of the shaft locating pin when the cover was installed. The pin needs to be in the 11 to 12 o’clock position so it can nestle into the recess machined in the cover shaft boss. What happened was that the pin was driven into the cover shaft boss, wedging it into the soft aluminum. Fortunately, the cover wasn’t cracked and once the shaft was removed the pin position was corrected and the cover installed easily.

There were signs of some kind of non-hardening gasket cement used atop the decaying clutch cover gasket. The old gasket was scraped off and the cover surface cleaned of the old cement before the cover was installed.

The seller mentioned that the choke mechanism was not functioning correctly. Raising the lever would close the choke, but pulling the lever down didn’t draw the choke links back into the open position. Inspection showed that the soldered arm joint had failed, allowing the lever arm to float around loosely instead of directly affecting the choke links.

The engine fires up on NO CHOKE and the idle speed screws did nothing to affect the idle speed in the way of lowering it to normal 1200 rpms. This raises a big RED FLAG to me, which generally is the result of the slides being installed backwards. The engine stumbled at part throttle off-idle and the idle speed screw’s inabilities to affect the engine all lead to the same conclusion… carburetor slides are reversed. That’s an investigation for tomorrow’s work to reveal whether I am correct or not.

DAY TWO – A look under the hood – 8:15 start time.

After removing the seat, the flasher relay assembly was noted, mounted just behind the battery. The rear fuel tank mounting bolt had a big stylized “S” on the head, which I believe belonged to a Suzuki at one time. With the rear of the fuel tank loosened up, there was enough room to access the carburetor tops to assess the condition of the slides, needle positions and to determine if they were reversed or not. Despite my “seat of the pants” evaluation of the carburetion slide issues, the day before, they came out of the carburetor bodies in the correct order, after all! However, the right side slide was dragging out and resisted being reinstalled without force. So the next order of business was to remove the right side carburetor for repairs. Once removed, there were some scratches and bore wear consistent with a warped carburetor body, however there was more to it than that. After de-burring the carb body, the slide still resisted an easy insertion. Closer inspection showed some burrs on the edges of the slide, right where someone had probably used a screwdriver to help raise a stuck slide after years of sitting with old gas in the carburetor. A little use of a smooth file on the edges of the slide allowed it to drop right into the carburetor body with little effort. New o-rings were needed, which brought up another issue with the Honda parts listings concerning the o-ring sizes for both the 250 and 305s…

16173-253-004 is shown as the original part number for the carburetor flange side of the CL72 (or CB72). The 250cc carburetor insulator o-ring is 91302-PF0-003, incorrectly shown as 28.5MM on some sites, but other listings show them correctly as 91302-PF0-003 with 26.9X2.4mm dimensions. The 253 code part supersedes to the PF0 item now. I used two of the PF0 parts on both the insulator and carburetor flange, which fit perfectly, as they should on a 22mm bore carburetor. Many Honda sites are showing the PF0 o-rings fitting the CB77s too, which have 26mmm throat sizes and 25-26mm insulators. The correct o-rings for the 305-sized carburetor and insulator parts are sized 29×2.4mm under the 16173-260-004 part number, which allows for the diameter of the o-ring groove size on the larger bodies. Obviously, you can’t use a 26.9mm o-ring on a 26mm bore carburetor and they sure don’t stretch far enough to fit into a 29mm groove. Someone, somewhere, needs to address this issue and make corrections. Honda, are you listening?

That, of course, was not the only finding that was affecting the high-idle condition. A static check of the ignition timing revealed that the ignition timing had been set at the 45-degree full advance mark, NOT at the F mark, which is about 5 degrees before TDC. A look at the points set showed them to be the Daiichi- brand copies for Dreams, which have repeatedly been proven NOT to fit, in place of the standard Denso parts. Typically, upon installation to the point plate, the whole plate must be retarded as far as the slots will allow, then the gap lowered to minimum levels in order for the ignition timing to line up with the F mark timing stamp. One of the point screws was stripped, to add more frustration to the equation. A good screw was pirated from a used CB77 point plate and it had enough clean threads to hold the contact arm securely.

With the timing set, the carburetor slide free to raise and drop, the bike fired up quickly and settled into an even cadence at an acceptable idle speed. I also noted that the fuel tank was nearly empty, which contributed to the cutting-out experienced during the previous day’s transmission repair test drive. Additionally, the air filters were modified by removing the old paper element and gluing some filter foam to the remaining filter body frames. The frames were apparently soldered together at some point, but are now coming apart at the seams, so a new set of filters is on the parts list now, as are the connector tubes to replace the cracked originals.

Addressing the high-effort clutch pull problem required removal of the kickstarter cover (after removing two of the footpeg bolts on the right side). The clutch lifter arm angle was above horizontal and the wear inside the clutch adjuster gave about 3/8” of sideplay/slack between the two parts. When the clutch adjuster threads are worn that far, much of the clutch lever motion is used up just taking up the looseness in between the parts, before there is an actual rotary motion of the lifter arm to act upon the end of the clutch pushrod tip. Installing a new clutch adjuster reduced the slack to about a millimeter, restoring the rotational motion to act upon the pushrod. With the cover reinstalled, the clutch lever range of motion increased and the lever effort was cut by more than half. Another success for the day, but there is a lot more work to be done!

By 10AM, it was time to break off wrenching on the CL72 to allow for a 100-mile round trip to Oceanside, CA, so a 1966 CB77 could be acquired and returned to Rancho del Honda, but that’s another story!

Bill “MrHonda” Silver

Traditional grass track speedway racing comes to Placerville Saturday

This Saturday, March 15, Big Time Speedway comes to the El Dorado County Fairgrounds with European-style, grass track Speedway racing. The event debuted in 2013 and provided low budget, maximum participation racing and spectator fun. Classes are not limited to motorcycles, but also include ATV’s and, of all things, riding lawn mowers.

For participants, gates open at 8:30 am and registration is from 9:00-11:00. Entry fee is $20.00, but only $10.00 for each additional class. Racing begins at 12 Noon. Spectators pay only $5.00 at the gate, less than a movie theater ticket, for a whole afternoon of thrills, chills and spills. Be sure to bring your own chairs, shade, and coolers.

The weather is forecasted to be terrific this weekend, so make plans to go check out the merriment and bar banging action. This writer/rider has not yet had the pleasure of attending this event and I find myself wondering if there’s enough time to hop up my Craftsman LT1000 to compete in the lawn mower class. If my schedule allows, I will attend this event, so check back for an Event Report next week. Same time, same station. (Look it up).

Stay tuned and upright,


What Should You Know About an RV Warranty?

Life without RVs or motorhomes is just unimaginable these days. After all, how do we explore the beautiful countryside without them? There are many RV enthusiasts who if left to them would spend their entire lifetime inside them. Such are the charms of an RV. However, there is something important that you need to remember if you own an RV or intend owning one in the future. It is to know about RV warranties in case you are buying a new vehicle. For those who already own a van, then it is important that they too are thorough with RV extended warranties. Repair costs to an RV can burn a big hole in your pocket. It is for this reason that you should get to know about warranties in detail.

Just as the vehicle is different, you need to know that RV warranties too are different from others. In this case you will have to buy different covers for different parts of the van. First of all you will need to buy coverage for the coach. Similarly, you will need to buy a different coverage for the chassis. This is true in the case of RV extended warranties too.

The other important thing that you need to know about an RV warranty is about the location of the garage where you need to take your vehicle in case of a repair. While some companies offer a motorhome warranty where you can take the vehicle to a vast network of garages, there are others where you need to take your van only to specific locations. Needless to say a lot of people tend to go in for the former option.

As part of your RV warranty you should also know how your claim will be paid. While some companies will ask you to send the bills and then reimburse the same, there are others where you can directly repair your van at an authorized workshop and not bother about paying.

It is important that you clarify all your doubts before you buy RV. First of all make sure that you get to know everything about the coverage that the company offers, whether it is RV warranty or an RV extended warranty. You should talk to a few company representatives, do a comparative analysis and then make a buying decision. Talk to a few fellow RV enthusiasts and find out about the top companies that offer RV warranties and RV extended warranties.

Certified Pre-Owned Vehicle Dodge Houston or Not

Getting into an automobile and driving off may be the simplest part. But before that, there’s a plenty of homework you have to do before you head to a Houston dodge dealership and look for the car you truly want.
Do you live in the Houston Texas and nearby areas? If yes and you’re thinking of purchasing a Dodge vehicle, you need to look at some good and dependable dodge Houston TX dealers. However, don’t simply walk into any Dodge vehicle dealership–whether pre-owned or brand new–before fixing a budget for your next vehicle purchase. Decide if you’re going to pay cash down or take the loan or lease option route. Once you take this decision, you can start looking for a good Dodge Dealer Houston.

You can choose between a pre-owned vehicle and a brand new vehicle. How do you choose? To make it comfortable for you, here are some approaches given below which can tell you how to choose between a certified used and a brand new dodge vehicle and their respective pros and cons.

Certified pre-owned dodge vehicle or new? Thanks to the high demand and supply of Houston used dodge vehicles, there’s a huge stock of used vehicles Dodge Houston. You can also get premium and hybrid vehicles at really good and affordable rates. If you’re a judicious spender and don’t particularly want a new dodge, you can find your perfect Chrysler dodge model among old dodge vehicles at truly decent rates.

You also stand to get some guarantees that can be transferred from the previous owner to the new one at truly decent dodge dealerships in Houston. Besides, a good dodge dealership will run a very detailed and extensive inspection of any certified pre-owned vehicle before you can purchase it.

So, overall, you’ll find that the dodge brand, whether certified used or brand new–is a truly good brand to be with and of excellent value. The special parts of a dodge are also priced lower than their competitors.
Should you be looking at new dodge vehicles? When you buy a brand new dodge vehicle in Houston Texas, you stand to gain a few warranties. First, you won’t have to pay for any service–in fact, they are absolutely free of cost for the first few years. It will also cover service for fuel changes and tire rotations, replacement of parts and overall repairs.

You should also inquire about the value of your prospective new car, which you can find on the sites of dodge dealers, Houston. To get the perfect deal on a new car, you should quote the lowest rates, because here, unlike Houston pre-owned vehicles, you don’t have to consider mileage or wear and tear before you fix a price on your auto.

Finally, you need to base your choice of car on your needs, your lifestyle and your budget. So, while you’re still at the planning stage to buy a vehicle, make a budget of all the money you’re prepared to pay for a vehicle, list the dodge vehicle brands you’re interested in and then make your dream vehicle a truly by walking into a dodge dealership Houston and asking for it.

What to Look For In Used Honda Dealers Before Acquiring a Vehicle

When it comes to purchasing a vehicle, it is always good to go for a used or pre-owned vehicle. Read on to learn why. Used vehicles serve two purposes for the shoppers. Firstly, it allows the shopper to purchase his/her favorite dream vehicle. Secondly, the price is much less than the new ones. Ford dealers Houston are offering excellent range of Used and Pre-owned vehicles at their ford dealership in Houston. You can head to their leading ford dealership and choose a vehicle of your dream.

In an effort to save your money, lot of people avoid purchasing used or pre-owned vehicles from dealers and choose to shop private owner instead. At times, it could save good amount of your money, but are you truly getting the same quality outlet? Just because the asking vehicle price is lower, it doesn’t mean it is the good deal. Shopping for a pre-owned or used vehicle usually starts out as an exciting and entertaining experience but as shopper get closer to making their vehicle purchase decision, they locate that the delectation has been replaced by Incertitude. There are numerous approaches why shopper become uncertain about their vehicle purchase, most noticeable of which involves being uncertain about the vehicle history in question.

When you start the process of purchasing a vehicle, there are many approaches to take into mind. Your vehicle price range is an immediate aspect, but you also likely have an idea of what you would like from vehicle dealers. Your ford dealers Houston can make firm that you get exactly what you are searching for. However, to find a reliable Houston Ford dealer, you need to learn what to look for. Even though it may seem like a challenging job at first, selling vehicle on Big Star Ford can be more rewarding and exciting than you could ever imagine.

There are numerous alternatives available when it comes to purchasing a used vehicle and going online with specialist online sites to locate and search a used vehicle dealer is one of the easiest and fastest ways of getting the vehicle of your dreams. Purchasing a pre-owned or used car is a good way to save some amount of your money, while still getting a decent vehicle. If you shop wise you can locate a good used vehicle.

Why one ought to buy a used vehicle? Obviously because everyone cannot afford to purchase a brand new vehicle! Purchasing either a used or pre-owned or a brand new vehicle is complicated on account to the great variety of vehicles and models in the market. It may be difficult to get a vehicle of one’s choice. Prices of brand new vehicles are so high. Luckily for the budgetary challenged shoppers, there is an option to owning if not a new vehicle, purchase a used or pre-owned vehicle that fits ones budget and lifestyle perfectly.

Malaysia Airlines Boeing 777 missing and apparently down over Vietnam

A Malaysia Airlines Boeing 777-2H6-ER, tail number 9M-MRO, operating as Flight MH370 from Kuala Lumpur, Malaysia to Beijing, China on Saturday, March 8, 2014 is missing and has apparently crashed while near Ho Chi Minh City, Vietnam or over the South China Sea, as reported on this date by the National Post, AsiaOne, The Sydney Morning Herald, and other media sources.

Air traffic controllers in both Vietnam and Malaysia lost radio contact and radar tracking of the aircraft at 2:40 a.m. local time, just over two hours after the plane had taken off from Kuala Lumpur International Airport (KUL) at 12:35 a.m. on a scheduled 6-hour non-stop night flight to Beijing Capital International Airport (PEK), a distance of 2,300 air miles or 3,700 kilometers.

There were conflicting reports of emergency locator signals coming from a potential crash area. These initial reports have been denied. No distress message from the flight crew was sent before the plane vanished.

The wide body twin-engine jet was carrying 227 passengers, including 2 infants, and 12 crew members. Two of the passengers were Canadian citizens and 3 were from the United States. In total, they represented 14 nations, including 7 from Australia, 2 from New Zealand, 152 from China, 38 Malaysians, and 12 from Indonesia.

Malaysia Airlines Group CEO Ahmad Jauhari Yahya issued the following statement, saying in part, “We deeply regret that we have lost all contacts with flight MH370. Malaysia Airlines is currently working with the authorities who have activated their Search and Rescue team to locate the aircraft. Our team is currently calling the next-of-kin of passengers and crew. Focus of the airline is to work with the emergency responders and authorities and mobilize its full support. Our thoughts and prayers are with all affected passengers and crew and their family members.”

The captain of the plane was 53-years-old and had 18,365 flying hours and more than 33-years of experience with Malaysia Airlines.

The same plane, 9M-MRO, then operating as flight MH389, was involved in a runway accident on Aug. 9, 2012, when it damaged the tail of a China Eastern Airlines plane at Shanghai Pudong Airport (PVG) while taxiing. In that incident, the tip of the wing of the Malaysia Airlines Boeing 777 broke off. Both aircraft were grounded as a result of that incident.

The Boeing 777 was first introduced on June 7, 1995 with United Airlines as the launch carrier. A total of 1,544 of all variants of the aircraft have been produced to date, including 721 of the 777-300ER, the most common model, compared to 422 of the 777-200ER and 88 for the 777-200.

Depending on seating configuration, the aircraft can carry between 282 and 440 passengers. It has a cruising speed of 560 miles an hour, a maximum speed of 590 mph, and costs approximately $260 million per aircraft. The model has been involved in 8 aviation incidents and accidents, including 4 hull losses. The first happened on Jan. 17, 2008, when British Airways Flight 38, a 777-200ER with Rolls-Royce Trent 895 engines flying from Beijing to London, crash-landed approximately 1,000 feet short of Heathrow Airport’s runway 27L and slid onto the runway’s threshold, resulting in 47 injuries but no fatalities.

Prior to this most recent Malaysia Airlines incident, on July 6, 2013, Asiana Airlines Flight 214, a 777-200ER registered as HL7742, crashed while landing at San Francisco International Airport (SFO) after touching down short of the runway. Passengers and crew evacuated before fire destroyed the aircraft. The crash resulted in the death of two of the 307 people on board. A third person died after being struck by an airport fire truck responding to the crash.

Malaysia Airlines was established on May 1, 1947, 66 years ago. Assuming the worst case scenario for Flight MH370, there are now three accidents involving passenger fatalities on Malaysia Airlines, with a total of 373 fatalities. Prior to this latest incident, on Dec. 4, 1977 Malaysia Airlines Flight 653, a Boeing 737-200 (9M-MBD) was hijacked and crashed in Tanjung Kupang, Johor, Malaysia killing all 100 people aboard. On Sep. 15, 1995 Malaysia Airlines Flight 2133, a Fokker 50 (9M-MGH) crashed during approach in Tawau Airport (TWU), Sabah, on the island of Borneo, due to pilot error. A total of 34 people were killed.

The carrier, based in Kuala Lumpur, has 105 aircraft in service including 15 Boeing 777-200ER, each configured to carry 282 passengers, 35 in business class and 247 in coach. It recently joined the Oneworld airline alliance, whose members include Air Berlin, American Airlines, British Airways, Cathay Pacific, Finnair, Iberia, Japan Airlines, LAN Airlines,Qantas, Qatar Airways, Royal Jordanian, and S7 Airlines, plus some 30 affiliated airlines. It is well regarded in the aviation industry for safety and in-flight service.

We extend our sincere condolences to the family, friends, and colleagues of all those who may have perished in this tragic accident.

Tell us your thoughts. Please leave comments below or by email and subscribe to get future updates. There is also expanded coverage of other recent news articles. You may also wish to follow our dispatches as the News Analysis Examiner.

Internet Banking: Relevance in a Changing World

Surprising, but true – Internet-based activity is not the preserve of the young “digital native” generation alone. A 2008 survey says that Generation X (those born between 1965 and 1976) uses Internet banking significantly more than any other demographic segment, with two thirds of Internet users in this age group banking online.

Gen X users have also professed their preference for applications such as Facebook, to share, connect and be part of a larger community.

This is some irony in this, since online banking, as we know it today, offers minimal interactivity. Unlike in a branch, where the comfort of two way interaction facilitates the consummation of a variety of transactions, the one way street of e-banking has only managed to enable the more routine tasks, such as balance inquiry or funds transfer.

It’s not hard to put two and two together. A clear opportunity exists for banks that can transform today’s passive Internet banking offering into one that provides a more widespread and interactive customer experience.

It is therefore imperative that banks transform their online offering, such that it matches the new expectations of customers. Moreover, Internet banking must journey to popular online customer hangouts, rather than wait for customers to come to it.

There are clear indications that the shift towards a “next generation” online banking environment has already been set in motion. It is only a matter of time before these trends become the norm.

Leveraging of Social Networks

Forward thinking banks are leveraging existing social networks on external sites to increase their visibility among interested groups. They are also deploying social software technology on their own sites to engage the same communities in two way discussions. Thus, their Internet banking has assumed a more pervasive persona – customers are engaging with the bank, along with its products and services even when they’re not actually transacting online.

Heightened visibility apart, banks can gain tremendous customer insight from such unstructured, informal interactions. For example, a discussion on the uncertain financial future among a group of 18 to 25 years old could be a signal to banks to offer long term investment products to a segment that was previously not considered a target. Going one step further, a positive buzz around a newly launched service can create valuable word-of-mouth advertising for the business.

Collaborating through Web 2.0

The collaborative aspect of Web 2.0 applications has enabled banks to draw customers inside their fold more than ever before. Traditional methods such as focus group discussions or market research suffer from the disadvantages of high cost, limited scope and potential to introduce bias. Feedback forms merely serve as a post-mortem. In contrast, Web 2.0 has the ability to carry a vast audience along right from the start, and continue to do so perpetually. Thus, an interested community of prospects and customers participate in co-creating products and services which can fulfill their expectations.

The pervasiveness of Web 2.0 enables delivery of e-banking across multiple online locations and web-based gadgets such as Yahoo!Widgets, Windows Live or the iPhone. This means next generation online banking customers will enjoy heightened access and convenience

A New York based firm of analysts found that 15% of the 70 banks tracked by them had adopted Web 2.0, a number of them having done so within the last 12 months.

Standard Chartered Bank employees connect with their colleagues through Facebook and use the platform to share knowledge, clarify questions and participate in discussions on ongoing company activities.

Bank of America, Wachovia Bank and Commonwealth Credit Union have built a presence within interactive media to create awareness and keep up a dialogue with interested communities. They have employed a variety of methods, ranging from creating YouTube communities to launching campaigns on Current TV, a channel in which viewers determine content.

Personalization of Online Banking

Vanilla e-banking divides customers into very large, heterogeneous groups – typically, corporate, retail or SME, with one type of Internet banking page for each. That’s in sharp contradiction to how banking organizations would like to view their clientele. Banks are moving towards customer-specificity, almost viewing each client as a “segment of one”, across other channels, and online banking is set to follow suit. For instance, a specific home page for home loan customers and another for private banking clients could well be a possibility in future.

Interestingly, National Bank of Kuwait had the foresight to do this several years ago – they enabled customers to determine which products they would view and access, and were rewarded with a dramatic increase in online transactions.

Money Monitor from Yes Bank allows customers to choose their landing page – for example, they can set “all transactions”, “net worth” or “portfolio” as their default view. Other features include the ability to categories transactions as per customers’ convenience and the printing of custom reports.

Empowerment Online

Beyond doubt, Internet banking has created a more informed, empowered class of customers. This is set to climb to the next level once customers are allowed to proactively participate in many more transaction-related processes. The Internet has already made it possible for customers to compare product loan offerings, simulate financial scenarios and design custom retirement portfolios. Going forward, they would be able to consummate related transactions – which means, after comparing interest rates, they could originate a loan online, and once secured, they can begin to repay it online as well.


The emergence of Web 2.0 technology coupled with banks’ desire to personalize their e-banking to the highest degree is likely to result in “portalization” of Internet banking. The idea of banking customers being able to create their own spaces online, filled with all that is relevant to them, is not that far-fetched. Customers can personalize their Internet banking page to reflect the positions of multiple accounts across different banks; they could include their credit card information, subscribe to their favorite financial news, consolidate their physical assets position, share their experiences with a group and do more – all from one “place”.

Money Monitor enables customers to add multiple “accounts” (from a choice of 9,000) to their page. Accounts could be savings or loan accounts with major Indian banks, or those with utilities providers, credit card companies, brokerage firms and even frequent flyer programs. Users can customize their pages as described earlier.

As banks seek to develop their Internet banking vision for the future, in parallel, they will also need to address the key issues of security and “due defense”. While it is every marketer’s dream to have customers work as ambassadors, adequate precaution must be taken to prevent the proliferation of malicious or spurious publicity. Therefore, before an individual is allowed to participate in a networking forum, he or she must have built up a favorable track record with the bank. The individual must be a recognized customer of the bank, having used a minimum number of products over a reasonable length of time. Qualitative information about the person’s interaction with the bank’s support staff (for example frequency and type of calls made to their call center, outcome of such interaction and so on) may be invaluable in profiling the “right” type of customer who can be recruited as a possible advocate.

Collaborative Web 2.0 applications may necessitate opening up banks’ websites to outside technology and information exchange with third party sites, raising the spectre of data and infrastructure security. A robust mechanism of checks and balances must be built to ensure that the third party sites are secure, appropriately certified and pose no threat to the home banks’ sites. Likewise, before a third party widget is allowed to be brought on to a site, it must have passed through stringent security control.

Due diligence must be exercised before permitting users to place a link to another site to guard against the possibility of inadvertent download of malicious software, which could, in the worst case, even result in phishing originating from the banks’ sites.

It is equally important for a bank to guard its customers against invasion of privacy, data theft or misuse. The concept of portalization envisages deploying technology to bring information from other banks’ or financial service providers’ websites into the home bank’s site. The home bank must ensure that its customers’ personal or transaction related information, which may be shared with the other providers, is not susceptible to leakage or outright misuse.

Banks will do well to partner with an Internet banking solution provider which has not only the expertise to translate their vision into a cutting edge e-banking experience for the user, but also the foresight to define boundaries for safety. With security concerns adequately addressed, next generation Internet banking is full of exciting possibilities. Banks that seize the opportunity may find that Internet banking can become a means of differentiating themselves from competitors, rather than a mere cost cutting tool. Clearly, providing a more powerful and interactive e-banking experience, is the way forward.

How To Define Cheap Loans And How You Can Get One Today

Many borrowers are looking for cheap loans, but how is a cheap loan defined? For starters a person has to remember that nothing is free and loans cost money. Loans are paid for through interest rates and fees.

Lenders are in the business of trying to make as much money off the loan process as possible. It is up to the borrower to make sure they get a cheap loan because the lender is not going to worry about making it that way for the borrower.

Lenders earn their money off loans through the interest rates they charge and the fees associated with the loan. Borrowers are responsible for watching out for these costs. Interest rates are often the most talked about charge. That is because interest can really tack on a large chunk of money to the cost of a loan.

Big ticket items can cost a borrower more than the actual loan amount. In the end the borrower will have paid double, sometimes triple, the actual loan amount in interest rates alone. This is why getting a low interest rate is so important in getting a cheap loan.

The trick to getting a low interest rate is shopping around. The interest rate is going to be based on a few things. It will be based on what the current interest rates are and on the borrowers credit history. The borrower really has no way to control the current average interest rate, but they can improve their credit to help lower rates.

Additionally, the borrower can shop around until they find the lowest interest rate lenders will extend to them. This is helpful even for a borrower with less than perfect credit. By shopping around a borrower is taking control of the situation and therefore has more of a chance of securing a cheap loan.

Fees are another way lenders make their money. Many lenders include all types of fees in a loan agreement. If a borrower does not read the terms and conditions of the loan carefully they will likely end up with hidden fees that will cost them in the end.

Some common fees include processing fees, like application fees, and early pay off penalties. Processing fees are often included and justified as paying for the time of the person who processes the loan. It is just another way to get more money from borrowers and is not really a necessity.

Early pay off penalties are common place in the loan world. These penalties are the lenders way of protecting themselves form losing too much money. What this penalty does is costs the borrower should they pay off the loan early then the specified date in the contract.

Getting a cheap loan is really in the hands of the borrower. It is the borrower who must be diligent in reading the terms and conditions and shopping around. The borrower is the only one who will benefit from cheap loans, so they have to be the one to make sure they are getting a cheap loan.

Fast Money Recap – An Overview

One of the keys to becoming successful in the stock market is by getting access into the inside stories, trends and updates regarding the country’s economy. One of the show’s in America that has all these information is Fast Money Recap. If you are serious about making tremendous amounts of money, then you can get insights from this show.

Undeniably, Fast Money Recap is one of the most watched American programs when it comes to money matters. This stock trading talk show will show you everything from financial trends, investment techniques and stock predictions. If you miss an episode you can always watch it again through this program, even get updates via your mobile phone and make use of their widgets if you are into affiliate marketing.

All you need to know about stock trading is in this program. Well-known experts in this field talk about the trends and how to invest well in the trade. They also divulge secrets on who to make it well in Wall Street. Produced by CNBC, it deals with topics like technical analysis on the stock market movements, commodities, stock exchange options, and the basics of investing.

Providing information for six years now, fast money has all the details that will arm you for success. In any other venture it is important to have an in-depth knowledge in what you are getting yourself into. This program caters to various third-party companies like the NASDAQ, American Stock Exchange (AMEX), Reuters and the New York Stock Exchange. With these date collated from these companies you will get an overall picture on how the economy works.

So why watch Fast Money Recap? As shown via live telecast from NASDAQ Market Site, New York City, the program brings you the latest and most credible information about the stock market. They have blogs to keep you in the know, and have updates from their show. For sure these programs will not only educate you into the financial trends and how to invest well but it will also inculcate passion and motivation in making money.

In the fast paced internet age getting updates and latest news for your line of business and information from the stock market is important so that you can make accurate predictions and investments. Fast Money Recap has everything that a trader needs to know, and to always keep in touch with financial news it is advised to register and stay informed.