Why You Should NOT Buy a New Car – ReadyForZero Blog #auto #advance


#buy a used car
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Why You Should NOT Buy a New Car

17 Oct 2012 by Ben

Welcome to the 5th  Smart Money Debate at ReadyForZero . To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

Buying new things is fun. I love unwrapping the shiny packaging, opening up the box, and smelling the factory made scent of something brand new. There is nothing quite like holding something in your hands that nobody else has ever used. It makes you feel well special.

You know what makes me feel even more special than buying something brand new? Saving money. That is why almost everything I purchase is used. Don t get me wrong I m not one to purchase a used pair of Hanes. However, with most items, you can find great deals if you are willing to buy used. This is especially true when it comes to major purchases like cars.

While I wouldn t recommend buying any old lemon, buying used cars is the only thing that makes sense financially. Our family has purchased new before, and we consider it to be one of the biggest financial mistakes we have ever made. Here is why we will never buy a new car again and neither should you!

Reason #1: New Cars Don t Hold Their Value

We ve all heard this before, but it bears repeating: a new car begins losing value the minute that you drive it off the lot. How much value you ask? According to Edmunds.com, a new car loses approximately 10% of its value as soon as you drive away. 10%. Furthermore, it loses about 20% of its value after the first year, and 10% off the original purchase price per year after that. Depending on the make and model of your new car, you may have lost up to 80% of the value from the purchase price within 5 years!

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Would you invest $25,000 in the stock market if you knew that you were going to lose $2,500 the moment you completed the transaction? Would you buy a house for $200,000 if you knew for a fact that it would only be worth $180,000 the minute you were handed the key and $160,000 a year later. Of course you wouldn t! No sane person would. Why would you do the same thing with a car? Let somebody take that huge financial hit by buying the new car. Then, you can take advantage of their silliness and buy the car used after they trade it in a few years later.

Reason #2: Used Cars are Cheaper

Since new cars are clearly a poor investment, it makes sense that the sticker price for used cars is far less expensive than the newer models. For instance, a brand new 2012 Toyota Prius is currently selling for around $28,500. Earlier this year, we were able to purchase a used 2009 Prius with under 25,000 miles for only $17,500. While red isn t exactly my favorite color, I was happy to suffer through it in order to save $11,000.

Reason #3: Less Worry

You know the nervous feeling that you get when you buy something new? You become very protective of it. You don t want anything to spill or scratch it. You re so proud of it that you want it to stay looking all brand new and shiny for forever. That is why you bought the product new in the first place. Afterall, what good is a new car if it doesn t actually look new.

I hate to tell you this, but eventually everything that is new is going to become blemished. When it does, you may be devastated especially if you spent as much money on it as you would a car. Why not save yourself all of that worry, headache, and stress? Just buy your cars used. A nick, dent, or scratch doesn t seem like such a big deal then.

Reason #4: Warranties are Available

People who tell you to buy a new car will tout the great warranties with which new cars come. Guess what. Most used cars will come with a warranty as well. In fact, the most important warranty the manufacturer s powertrain warranty should still be in effect as long as the car has not exceeded its age or mileage limits. This warranty covers all of the big stuff that might break like your engine or transmission. So, the warranty argument doesn t really hold water. If the warranty is in effect, the argument that you are going to have to pay for more repairs to a used car than you would for a new car doesn t really work either.

Reason #5: A New Car is a Bad Investment

Have I mentioned that a new car loses 10% of its value the moment you drive it off the lot and 20% of its value over the first year alone. Oh, I did? Good. Well, this is so important that I m mentioning it again. If that new car smell is still tempting you, go back and read Reason #1 to help snap you back into reality. Then, go out and buy a New Car Smell air freshener to put in your used car, and save yourself thousands of dollars.

As you can see, buying a new car is not the best decision for your finances. While that new car smell may make you feel like you are loaded, buying a new car is just another way of trying to look wealthy. It is a status symbol that savvy spenders can do without. If you re in the market for a new car, do yourself a favor and buy a used one instead.

No matter what you decide, use ReadyForZero to track your debt payoff it s a free online tool that helps you stay motivated and pay off your debt in the fastest time frame possible.

To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

This post was published by Ben, Content Manager and Writer for » ReadyForZero. ReadyForZero is a company that helps people get out of debt on their own with a simple and free online tool that can automate and track your debt paydown.


404 – PAGE NOT FOUND #auto #performance #parts


#national auto finance
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Why am I seeing this page?

404 means the file is not found. If you have already uploaded the file then the name may be misspelled or it is in a different folder.

Other Possible Causes

You may get a 404 error for images because you have Hot Link Protection turned on and the domain is not on the list of authorized domains.

If you go to your temporary url (http://ip/

username/) and get this error, there maybe a problem with the rule set stored in an .htaccess file. You can try renaming that file to .htaccess-backup and refreshing the site to see if that resolves the issue.

It is also possible that you have inadvertently deleted your document root or the your account may need to be recreated. Either way, please contact your web host immediately.

Are you using WordPress? See the Section on 404 errors after clicking a link in WordPress.

How to find the correct spelling and folder

Missing or Broken Files

When you get a 404 error be sure to check the URL that you are attempting to use in your browser.This tells the server what resource it should attempt to request.

http://example.com/example/Example/help.html

In this example the file must be in public_html/example/Example/

Notice that the CaSe is important in this example. On platforms that enforce case-sensitivity e xample and E xample are not the same locations.

For addon domains, the file must be in public_html/addondomain.com/example/Example/ and the names are case-sensitive.

When you have a missing image on your site you may see a box on your page with with a red X where the image is missing. Right click on the X and choose Properties. The properties will tell you the path and file name that cannot be found.

This varies by browser, if you do not see a box on your page with a red X try right clicking on the page, then select View Page Info, and goto the Media Tab.

http://example.com/cgi-sys/images/banner.PNG

In this example the image file must be in public_html/cgi-sys/images/

Notice that the CaSe is important in this example. On platforms that enforce case-sensitivity PNG and png are not the same locations.

404 Errors After Clicking WordPress Links

When working with WordPress, 404 Page Not Found errors can often occur when a new theme has been activated or when the rewrite rules in the .htaccess file have been altered.


Used car prices fall – but not enough #custom #auto #paint


#used car prices
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Used car prices fall — but not enough

MARK RALSTON AFP/Getty Images

File photo of a Los Angeles car dealer promoting low prices.

File photo of a Los Angeles car dealer promoting low prices. less

After rising since the recession and hitting record highs, used car prices are easing, and the trend will continue, experts say.

Overall, used-car prices fell 4.5% on average in April at the wholesale level, compared with the same month last year, reports Adesa Consulting. After shooting to peaks each spring over the last three years, “They had almost no where else to go but down,” says Adesa analyst Tom Kontos.

But the bad news for now is that prices for good, late-model used cars aren’t falling much, even though new-car sales now are booming and trade-ins are coming in. That’s because many consumers are trading in aging cars they nursed through the recession years — clunkers worth so little that dealers don’t even keep them around.

“Just too old,” explains Allen Foster, general manager for Smart Motors, a Toyota dealership in Madison, Wis. Unable to resell them on his own used-car lot, Foster sends such trade-ins off to auction.

Minivans and full-size crossover vehicles took the biggest price declines over the past year, both falling more than 10% in average wholesale price. Cars overall were down 6.6%. In a sign that the economy, particularly, housing, is picking up steam, the only vehicles still seeing price increases are those typically used by workers. Full-size pickup prices rose 3.3%; full-size vans were up 8.1%

But for the sought-after late-model cars on lots at dealers affiliated with a major automaker, the average retail price was down a scant 0.5% in the first quarter from the quarter a year ago, to an average of $15,793, says car-buying advice site Edmunds.com.

Prices are “edging downward (but) they are still pretty high,” says Edmunds.com senior analyst Michelle Krebs.

With trade-in vehicles averaging 6.5 years, dealers aren’t getting the kind of near-new trade-ins that most buyers want as a cheaper alternative to buying a new car for reliable transportation. More than one out of five car sales at franchised dealers were “certified” used cars, the cream puffs of the used-car lot that often come with long warranties as part of the deal.

Kontos advises used-car shoppers to try to hold out as prices continue to ease. “It won’t hurt you to take your time and shop.”

As for new-car buyers, he says now is the time to act. “Take advantage,” he says. “Your trade-in is worth as much as it’s going to be worth.”


Ssae 16 Type Ii #is #ssae #16 #needed,reports,reviewing #ssae #16,ssae #16,ssae #16 #audit #review,ssae #16 #review,ssae #16 #review #checklist,ssae #16 #reviews,ssae #review,ssae #reviews,ssae-18,ssae16,ssae16 #review,standards,third #party #ssae #guidance #review,who #is #required #to #have #a #ssae #16,who #is #required #to #have #ssae #16,why #get #ssae #16,audit #intensedebate,leave #a #reply: #name #(required): #website: #comments: #submit, #moderation,\’leave #a #reply\’ #\’name #(required)\’ #\’mail #(will #not #be #published) #(required)\’ #\’website\’ #it #services,controls,how #do #you #prepare #for #an #ssae #16 #audit,how #to #prepare #for #a #ssae #16,how #to #prepare #for #an #ssae #16 #audit,new #avenues #for #ssae #16,preparing #for #a #ssae #16,preparing #for #ssae #16,report #writing,ssae #16 #audit #preparation,ssae #16 #consulting #do #we #need,ssae #16 #preparation,ssae #16 #report,ssae #no. #16,example #soc #1 #report,soc #1,soc #1 #report,soc #1 #reports,soc #1 #type #2,soc #1 #type #2 #report,soc #1 #type #ii #report,soc #2,soc #3,soc #i,soc #report,soc #reporting,soc #type,soc #type #1 #report,soc-1 #report,soc1,soc1 #report,soc1 #reporting,soc1 #soc2,ssae #16 #reports,ssae #16 #soc #1,ssae16 #compliant #soc #1,system #and #organization #control #report,what #is #a #soc #1 #report,what #is #a #soc1 #report,what #is #ssae #16 #soc #1 #and #soc #2 #difference,at-c #320,cost,definition #soc #1 #ssae #16,how #ssea #16 #helps #auditors,prices,pricing,soc #1 #audit,ssae #16 #audit,ssae #16 #audit #checklist,ssae #16 #audit #report,ssae #16 #audit #requirements,ssae #16 #auditing #standard,ssae #16 #auditor,ssae #16 #checklist,ssae #16 #cost,ssae #16 #costs,ssae #16 #prices,ssae #17 #audit,ssae #18 #report,ssae #soc #auditing #and #reporting,ssae16 #audit,ssae16 #audit #report,ssae16 #checkilst,what #is #a #ssae #16 #audit,what #is #ssae #16 #audit,what #is #ssae16 #audit,what #is #the #purpose #of #a #ssae #16 #audit?


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The SSAE 18 Reporting Standard SOC 1 SOC 2 SOC 3 Support and Guidance for SSAE18, SOC 1, SOC 2, and SOC 3 reporting standards

Some organizations have heard of SAS 70, SSAE 16. and soon to be SSAE 18. but, don t really know WHY they need to pay to have a bunch of auditors trounce through their company for a month or two during the year, especially right after their financial audit just finished.
The answer is simple: Many companies will not even think about using your company to perform services for them without a clean Type II Report in place.
Some benefits of having an SSAE 16 performed :

  • Ability to perform outsourcing services for Public Companies.
    • If performing financially significant duties for a Public Company, they are required to use a SSAE 16 qualified provider as it is the only way to give investors assurance over controls that are not performed by the Company in question.
  • Public and Private companies are more likely to trust your organization with their data.
    • If you were to trust a company with your data, you would want complete assurance it will be handled with the utmost care
  • A year round accessible knowledge source (your auditors).
    • As a service organization, large or small, you will always have questions regarding your business and having a set of auditors in place with access to a wide array of business knowledge, it will allow you to bounce your questions and concerns off of a group of trusted individuals.
  • A third party to review your controls and activities to ensure they are functioning appropriately, and give advice on how to improve upon them.
    • Sometimes your internal audit department is good, but, not always as stringent as they should be. This will help to serve as a check on their work, as well as your staff. Additionally, if there were any findings noted, your auditors are in a great position to give you some tricks and tips to improve to ensure everything functions well the following period.
  • Improving performance of the organization.
    • Just the knowledge that a review is being performed of an employee s work that can have far reaching consequences for the company as a whole. No more, Oh, I didn t realize that reviewing user access was THAT important to do this month, sorry , now, everyone knows that if it s not done, the success or failure of the organization could rest upon them.

Think of the SSAE 16 or SSAE-18 audit as an annual investment into your company, increasing potential new clients. productivity and accountability .

This tip is focused on designing controls that reflect the process being testing, if they don t, a headache of massive proportions will be created once testing begins.
What do you do to make sure you don t screw this up? Have as many meetings as it takes to get it right.
What you need to do is sit down with the auditors, the department lead, the main employees responsible for performing the process, and anyone else whom could either play a role in testing or modifying the control in the future. Once that is done, Management should discuss what they determined the control to be and how it should operate, that is then reviewed by the auditors, and then the employees performing the tasks should be reconsulted to verify that the control still reflects their process accurately.
Many times people try to speed this process up and half-ass it, leaving many open items which upon testing could easily blow up into a huge problem. When the control isn t 100% agreed upon prior to testing and a deviation is noted, it s a tough call between failing the control and the ability to adjust it to accurately reflect the process. The problem is modifying a control after testing has begun is not proper and needs to be avoided at all costs.
Locking the controls locked down early on could save weeks in wrapping up your new SSAE 16 Report.
We have seen issues like this cause delays in issuing of the report to the client and running additional fees, since adjusting controls isn t free. Coming from the perspective of the auditor, we can let you know the pitfalls, consequences and how to best navigate the audit process. If you have any comments or questions please leave them below!

A SOC 1 Report (System and Organization Controls Report ) is a report on Controls at a Service Organization which are relevant to user entities’ internal control over financial reporting. The SOC1 Report is what you would have previously considered to be the standard SAS70, complete with a Type I and Type II reports, but falls under the SSAE 16 guidance (and soon to be SSAE 18 ).

Please see the following articles discussing the SSAE 16 guidance and additional information related to the SOC 1 (Type I and Type II) Reports:

In addition to the SOC 1 report which is restricted to controls relevant to an audit of a user entity’s financial statements, the SOC 2 and SOC 3 reports have been created to address controls relevant to operations and compliance and will be discussed in further detail in the future.

Please see the SOC 1 Reporting Guide page for additional information.

SSAE 16 is an enhancement to the current standard for Reporting on Controls at a Service Organization, the SAS70. The changes made to the standard will bring your company, and the rest of the companies in the US, up to date with new international service organization reporting standards, the ISAE 3402. The adjustments made from SAS 70 to SSAE 16 will help you and your counterparts in the US compete on an international level; allowing companies around the world to give you their business with complete confidence .

SSAE16 is now effective as of June 15, 2011, and if you have not made the necessary adjustments required, now is the time to find a quality provider to discuss the proper steps. All organizations are now required to issue their Service Auditor Reports under the SSAE 16 standards in an SOC 1 Report.

The soon to be effective, SSAE-18. is expected to follow a similar reporting structure to the SSAE-16 within a SOC 1 report.

Who Needs an SSAE 16 (SOC 1 ) Audit?

If your Company (the Service Organization ) performs outsourced services that affect the financial statements of another Company (the User Organization ), you will more than likely be asked to provide an SSAE16 Type II Report, especially if the User Organization is publicly traded.
Some example industries include:

  • Payroll Processing
  • Loan Servicing
  • Data Center /Co-Location/Network Monitoring Services
  • Software as a Service (SaaS )
  • Medical Claims Processors

What you Need to Know:

Before starting the SSAE 16 process, there are a number of considerations one must take into account that can save considerable time, effort, and money in the long run. Use the following items as a mini checklist for yourself:

  • Does my Company need an SSAE16, or, are we doing it just because someone asked?
  • Reports on the low end can run at least $15,000 a year, will the business lost be less of a burden than the cost of the report itself?
  • Does your company have defined Business Process and IT controls in place, or, will you need assistance developing and implementing them (readiness assessment)?
  • Have you determined the controls in place which affect the outsourced services being provided?
  • Have key stakeholders been defined and included in discussions?

There are many other issues to consider before engaging a CPA firm to help with your SSAE 16, for a more detailed checklist please see The SSAE 16 Checklist

You may have heard SSAE-18 is on the horizon for reports issued as of May 1, 2017. There are some important updates discussed in here: SSAE-18 An Update to SSAE-16 .

As the standard is formalized and the date approaches we will continue to provide more information to help you prepare for these changes.


Debt Consolidation, debt consolidation not for profit.#Debt #consolidation #not #for #profit


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Debt Consolidation

Debt consolidation not for profit

Debt consolidation not for profit

What is ‘Debt Consolidation’

Debt consolidation means taking out a new loan to pay off a number of liabilities and consumer debts, generally unsecured ones. In effect, multiple debts are combined into a single, larger piece of debt, usually with more favorable pay-off terms: a lower interest rate, lower monthly payment or both. Consumers can use debt consolidation as a tool to deal with student loan debt, credit card debt and other types of debt.

Methods of Debt Consolidation

There are several ways consumers can lump debts into a single payment. One is to consolidate all their credit card payments onto one new credit card – which can be a good idea if the card charges little or no interest for a period of time – or utilize an existing credit card’s balance transfer feature (especially if it’s offering a special promotion on the transaction). Home equity loans or home equity lines of credit are another form of consolidation sought by some people, as the interest on this type of loan is deductible for borrowers taxpayers who itemize their deductions. There are also several consolidation options available from the federal government for those with student loans.

VIDEO

BREAKING DOWN ‘Debt Consolidation’

Theoretically, any use of one form of financing to pay off other debts is practicing debt consolidation. However, there are specific instruments called debt consolidation loans, offered by creditors as part of a plan to borrowers who have difficulty managing the number or size of their outstanding debts. Creditors are willing to do this for several reasons – one of them being that it maximizes the likelihood of collecting from a debtor. These loans are usually offered by financial institutions, such as banks and credit unions; there are also specialized debt-consolidation service companies.

There are two broad types of debt consolidation loans: secured and unsecured. Secured loans are backed by an asset of the borrower’s, such as a house or a car, that works as collateral for the loan. More traditional, unsecured debt consolidation loans, which are not backed by assets, can be more difficult to obtain. They also tend to have higher interest rates and lower qualifying amounts. Even so, the interest rates are still typically less than the rates on credit cards. Also, the interest rate is fixed.

“Typically, the loan has to be paid off in three to five years,” says Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit repair and credit-counseling service in Bethesda, Md., and author of “How to Get Out of Debt.”

These types of loans don’t erase the debt; they simply transfer all your debts to a different lender or type of loan. (In circumstances where you need actual debt relief or don’t qualify for loans, it may be best to look into a debt settlement rather than, or in conjunction with, a debt consolidation. Debt settlement aims to reduce your obligations rather than just reducing the number of creditors. Individuals usually work with a debt-relief organization or credit-counseling service. These organizations do not make actual loans; instead, they try to renegotiate the borrower’s current debts with creditors.)

Advantages of Debt Consolidation Loans

Freeman says that debt consolidation loans are most helpful for those who have multiple debts, owe $10,000 or more, are receiving frequent calls or letters from collection agencies, have accounts with high interest rates or monthly payments, are having difficulty making payments or are unable to negotiate lower interest rates on loans. Once in place, a debt consolidation plan will stop the collection agencies from calling (assuming the loans they’re calling about have been paid off).

There may be a tax break, too. The Internal Revenue Service (IRS) does not allow you to deduct interest on any unsecured debt consolidation loans. If your consolidation loan is secured with an asset, however, you may qualify for a tax deduction. Debt consolidation loan interest payments are most often tax deductible when home equity is involved.

A consolidation loan may also be kind to your credit score down the road. “If the principal is paid down faster [than it would have been without the loan], the balance is paid off sooner, which helps to boost your credit score,” says Freeman.

How Debt Consolidation Works

For example, say an individual with three credit cards and a total of $20,000 owing at a 22.99% annual rate compounded monthly needs to pay $1047.37 a month for 24 months to bring the balances to zero. This works out to $5136.88 being paid in interest alone. If the same individual were to consolidate those credit cards into a lower-interest loan at an 11% annual rate compounded monthly, he or she would need to pay $932.16 a month for 24 months to bring the balance to zero. This works out to $2,371.84 being paid in interest. The monthly savings is $115.21, and over the life of the loan the amount of savings is $2,765.04.

Even if the monthly payment stays the same, you can still come out ahead by streamlining your loans. Say that you currently have three credit cards that charge a 28% APR; they are maxed out at $5,000 each and you’re spending $250 a month on each card’s minimum payment. If you were to pay off each credit card separately, you would be spending $750 per month for 28 months and you would end up paying a total of around $5,441.73 in interest. However, if you transfer the balances of those three cards into one consolidated loan at a more reasonable 12% interest rate and you continue to repay the loan with the same $750 a month, you’ll pay roughly one-third of the interest ($1,820.22), and you will be able to retire your loan five months earlier. This amounts to a total savings of $7,371.52 ($3,750 for payments and $3,621.52 in interest).


How to Buy a Car: The Ultimate Car Buying Guide to Not Getting Ripped Off and Saving Thousands! (Car Buying – Car Buying Guide – Car Repair – Buying a Car – Car Sales – Car Buying Strategy) #used #cars #chicago


#buying a car
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Description

How to Buy a Car

The Ultimate Car Buying Guide to Not Getting Ripped Off and Save Thousands!

Learn the top inside tips, secrets, and strategies to buying a car that could save you thousands of dollars

This book is my gift to the general public that are tired of being taken advantage of by car dealerships. I have spent years selling new and pre-owned vehicles to hard working people and I have seen the dirty tricks and games that are played to get all of your money. I decided that I wanted to give the public an inside look in buying a car and how to save money.

There are strategies and inside secrets that you will find in this book that is used properly could save you thousands of hard earned dollars. Aren’t you tired of feeling like you aren’t getting the best deal when buying a car? Aren’t you tired of feeling like you are getting ripped off? If so, then invest in this publication and learn those big money saving tips that will give you the upper hand on the dealer once and for all.

5 Reasons Why You Must Have This Book!

1. In this book you will learn how to best prepare for your vehicle shopping

2. This book will teach you how to get the upper hand on the car dealer

3. In this book you will learn what is really behind the negotiation numbers

4. This book will guide you in picking out the right vehicle

5. This book will teach you how the dealerships try to trick you out of your money and how to overcome.

What you ll Discover from How to Buy a Car

*Doing your homework AHEAD of time will save you money in the long run

*The importance of keeping a good poker face will keep the salesman from playing off your emotions

*The tricks behind the negotiation stage and how to beat the dealership!

*The Finance Manager is not your friend. They want all of your money!

*Inside secrets that could save you THOUSANDS of dollars!

Want to Know More?

Hurry! For a limited time you can download How to Buy a Car: The Ultimate Car Buying Guide to Not Getting Ripped Off and Saving Thousands for a special discounted price of only $2.99

Download Your Copy Right Now before the price goes up!

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TAGS: How to buy a car, car repair, buying a car, car buying guide, rip off guide, how to buy a vehicle, car buying tips, car sales


Page Not Found #goodyear #auto #service


#auto rebates
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Uh oh! This site will not function properly if you have JavaScript turned off.

To save money on your next car purchase, please follow the instructions below to turn JavaScript on.

Click on the Tools Options Content tab. Check the Enable Javascript box. Click OK. Refresh your browser.

  • Internet Explorer
    Click on Tools Internet Options Security tab. Click Internet then click the Custom Level button. Scroll down to Active Scripting, then click the radio button for Enable. Click OK, OK. Refresh your browser.
  • Chrome
    Click the Chrome menu on the browser toolbar. Then select Settings. Click “Show advanced settings”. In the “Privacy” section, click the “Content settings” button. Click on the option to “Allow all sites to run JavaScript (recommended)”. Then click “Done”. Refresh your browser.
  • Safari

    Click on the Safari (OS X) or Edit (Windows) Menu Preferences Security Tab. Check the Enable Javascript box. Close the Preferences window. Refresh your browser.


  • Download the Honeywell Thermostat User Manual #honeywell #thermostat #cool #on #but #not #working


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    Honeywell Thermostat User Manual

    Finding the Correct Thermostat User Manual

    At Horizon Services, our technicians only install the most dependable heating and air conditioning systems as well as the most reliable and durable accessories available.

    Each professionally installed heating and air conditioning system includes a professional grade Honeywell thermostat that will not only give you complete control over your new system, but will also help you achieve the perfect temperature in your home while reducing your utility bills by operating more efficiently.

    When new technology is introduced into your home, you may naturally have questions or want to learn about the features of your new accessory. If you have misplaced your original thermostat’s manual, use the directions below to download a digital copy for your use.

    How to Find the Thermostat Model Number

    Each Honeywell thermostat has a unique model number that can be used to identify the exact model in your home. Your thermostat’s model number is located on the back of your thermostat and begins with the letters, T, TH, RTH, C, or CT. Horizon Services currently installs one of three types of thermostats, use the images and model numbers below to find your thermostat.

    To download a digital copy of your thermostat user manual, please select the correct model listed below and click the Download Product Manual link:

    Contact Horizon Services

    Still have questions? For additional assistance or to learn more about Horizon Services heating and air conditioning system repair or replacement or thermostat repair or replacement contact us today:

    Honeywell VisionPRO 8000

    Honeywell s VisionPRO 8000 is effortless to use. Its intuitive logic and menu-driven programming respond to your choices and schedule for optimal comfort and energy savings. VisionPRO offers you top-of-the-line features like touchscreen interaction, a real-time clock, and a large, easy-to-read backlit display.

    • Up to 3H/2C conventional and heat pump
    • 7-day programmable touchscreen
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    • Effortless, menu-driven programming
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    • #1 choice of homeowners
    • Multiple hold options

    Honeywell Prestige 2.0 Comfort System

    Prestige 2.0 is the choice for never-before-reached levels of success. The satisfaction your customers get with the simplicity and comfort that Prestige provides will keep them coming back to your business for all their HVAC needs. And if that doesn’t do it, the automatic system performance alerts and reminders will.

    • Configurable for Residential or Light Commercial applications
    • User Interaction Log provides a searchable history of setting changes
    • Assignable output/input/sensor relays trip pre-packaged or customized alerts
    • Configurable staging options
    • Patented, interview-based programming and installer set-up
    • USB port for transferring installer setup options and adding dealer logo on-screen
    • Customizable service reminders on screen
    • RedLINK-enabled to work with: RedLINK Internet Gateway / Total Connect, Entry/Exit Remote, Vent and Filter Boost Remote, Portable Comfort Control, Wireless Outdoor Air Sensor, Wireless Indoor Air Sensor,TrueSTEAM and TrueZONE Panels.
    • Displays outdoor temperature and humidity when paired with an outdoor sensor
    • Up to 3H/2C Heat Pump 2H/2C Conventional (Up to 4 Cool Conventional using the universal outputs [commercial only]. Up to 3 Heat Conventional using the universal outputs. Up to 4 heat/2 Cool Heat Pump using the universal outputs).
    • 5-Year warranty

    Honeywell VisionPRO IAQ

    The VisionPRO® IAQ takes our popular VisionPRO thermostats where they haven t gone before. The VisionPRO IAQ Total Home Comfort System allows you to manage temperature, humidification, dehumidification, ventilation, and change/check reminders all from a single control and with only three wires.

    • Now with Geothermal Heat Pump Control
    • All-in-one control temperature, humidification, dehumidification, ventilation
    • Up to 4H/2C conventional and heat pump
    • Touchscreen 7-day programmable
    • Smart change/check reminders
    • Easily Upgrade to Multi-Stage Equipment
    • 5-Year Warranty

    Horizon Services: The only full-service plumbing. heating. air conditioning. drain cleaning and sewer and water line replacement company in Delaware, Southeastern Pennsylvania, South New Jersey, and Northeastern Maryland that guarantees on-time service, up-front pricing and the job done right andclean the first time!


    What To Do When Your Natural Gas Furnace Is Not Working Properly, gas furnace not turning on.#Gas #furnace #not #turning #on


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    What To Do When Your Natural Gas Furnace Is Not Working Properly

    A natural gas heating system is quite easy to operate and maintain. But unfortunately, because of prolonged use or other circumstances, your natural gas furnace might begin to malfunction which is not something that you want.

    Before you begin we strongly advise you to take these preliminary steps to eliminate possible unseen problems.

    1. Check out if your furnace is receiving power. You should look in detail at the state of the circuits at the entrance in the unit as well as around the unit.

    2. Inspect if the unit has a RESET button which is most of the time present near the motor housing. Turn off your natural gas furnace and wait about 30 minutes for it to cool down, then press the button. If the furnace does not start, wait another 30 minutes and press it again. Repeat the procedure for the third time before you renounce on the idea.

    3. Inspect your furnace for a second power switch and make sure that it is turned on.

    4. Inspect your thermostat if it has been properly set. We also recommend that you increase the setting by 5 degrees as many modern thermostats have a 2-3 degree window besides the temperature set.

    5. Make sure that your gas supply is turned on and the pilot light is functioning properly.

    The Three Main Causes For Your Natural Gas Furnace Nor Working Properly

    If your natural gas furnace is not working properly then most probably this is caused by the malfunction of one of the following three components: the heat source, the thermostat or the distribution system.

    If your natural gas furnace is not working then the problem is most likely caused by the source. Your furnace might not receive the natural gas which is its fuel source and so it is not igniting.

    If your natural gas furnace does turn on, but the warmth is not reaching the rooms of your house, then the problem is most probably related to the furnace’s distribution system.

    If the natural gas furnace has random problems in turning on or it turns on and off repeatedly on a functioning cycle then the problem might be caused by a faulty thermostat.

    Each of these three main categories require extensive knowledge and you need to start with the basic procedures with patience and admit when you are facing a furnace repair that you cannot resolve as you risk causing greater damage or even injuring yourself. In this case we would be glad to give a helping hand.

    Before you start working on your natural gas furnace we recommend that you take note of the following:

    • Make sure that your furnace is completely powered off by removing the main fuse or if you are not sure power off the entire house. If the fuse of your house blows off when you power your furnace then this means that it’s an electrical problem and you need to consult a specialized electrician.
    • Make sure that there is no smell of gas in the house as this might indicate a gas leak. If you sense the smell of gas do not try to shut down the gas or power on any electrical device. Open the doors and windows, get outside of the house and call the gas company to report a leak. To not reenter the house.

    No matter the problem is, if you still need specialized help, contact us and we’ll give you the best solution possible.


    United Automobile Insurance – Will not Honor Claim, Review 91735 #new #car #deals


    #united auto insurance
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    Will not Honor Claim

    United Automobile Insurance Company

    July 19, 2008, I was pumping gas at Valero Gas Station located on the corner of John West and La Prada Road when a van struck the front end of my 2008 Hyundai Tucson. Due to the damage only being scratches I opted to not make a police report because the damage was minimal and I only asked for a copy of his insurance card. Two weeks later I went to Bankston Dealership located on NWHGWY and Abrams for my estimate which came to a total of $368.51.

    Debra at United Automobile is supposedly handling my claim number. Overall the entire staff that I have spoken with about this claim seems uninterested in resolving this and has not made any attempts to get the ball rolling with processing my claim. I even mentioned that I would contact my insurance State Farm to let them know what was happening and Debra commented that it wouldn t do me any good because the estimate is under $500 and my policy probably has a $500 deductible. After listening to her make this statement I became gravely concerned that this Insurance Company is not diligent with taking care of claims in a proper manner.

    I am forwarding this information to the public in hopes of exposing this company for how it handles claims. From what I have been through with them they come across as very mismanaged and unprofessional. Even though my damages are $368.51, it is the principal of the matter to honor the claim filed and pay for the damages. If anyone can get this company feathers ruffled I know it s the free press! Your help is much appreciated!