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

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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.
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    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.
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    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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    • #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
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    • 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


    #

    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
    #

    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!

    404 – PAGE NOT FOUND #old #cars #for #sale


    #prime auto group
    #

    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.

    404 – PAGE NOT FOUND #auto #seat #cushions


    #local cars for sale
    #

    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 HostGator immediately via phone or live chat so we can diagnose the problem.

    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/images/banner.PNG

    In this example the image file must be in public_html/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.

    404 – PAGE NOT FOUND #auto #parts #usa


    #auto finder
    #

    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 #automobiles


    #used car prices
    #

    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.”

    404 – PAGE NOT FOUND #local #used #cars


    #national auto finance
    #

    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.

    February auto sales up, but not for all #auto #shopper


    #us auto sales
    #

    February auto sales up, but not for all

    Trucks, SUV s and vans saw robust new-vehicle sales in February, while cars languished. USA Today s James R. Healey tells us about the shift happening within the auto industry. (MONEY, USA TODAY)

    Buick Encore, which pioneered the mini-ute segment in the USA, is the only Buick model that reported better sales in February than a year ago. (Photo: Buick)

    72 CONNECT TWEET 30 LINKEDIN 15 COMMENT EMAIL MORE

    Monthly auto sales were up, but not for all automakers and not as much as some industry watchers forecast.

    One jarring note: Toyota Motor outsold Ford Motor by 84 vehicles to take the No. 2 spot, behind General Motors. That’s unusual, but it was more a moment than a trend.

    Toyota’s SUV sales rose significantly, while Ford’s overall sales fell because it hasn’t yet gotten production of the redesigned F-150 pickup up to speed at the Kansas City Assembly Plant. KCAP is the second of two F-150 plants to switch to building the new aluminum-body design.

    The month includes the Presidents Day holiday that automakers and dealers say marks the beginning of the prime spring selling season.

    Ahead of the sales reports, most forecasts were set for an annual pace of 16.7 million. With automakers that account for most sales reporting, the estimate slid as low as 16.2 million.

    Slow February, slow year is the fear.

    “Many people were predicting a hot February, but that wasn’t the case for several (automakers). Perhaps it was the weather,” said Akshay Anand, analyst at Kelley Blue Book.

    Among the domestic makers, General Motors and FCA — Fiat Chrysler Automobiles — reported increases, while Ford dropped slightly on lack of full F-150 production.

    The increases rode the backs of SUVs and other truck models.

    At GM, for example, the Buick Encore mini-utility was up about 60% while every other Buick tanked. Chevrolet’s big Suburban SUV more than doubled last year’s tally.

    Overall, GM truck sales rocketed 36% ahead of last year.

    At FCA, Jeep SUV brand continued to be the headliner — up 21.1% for its best month ever.

    Big Japan brands did better overall.

    In spite of some soft sales totals — Ford and Volkswagen among them — TrueCar.com says the month is evidence that the “renaissance in the U.S. auto sector continues into February.”

    • General Motors:

    Sales overall were up 4.2%. A jump of 18.9% at the GMC brand, which sells only trucks and SUVs, plus a rise of 3.8% at the Chevrolet brand as its Silverado pickup and SUVs climbed high rescued the automaker from sales slumps at its Buick and Cadillac brands.

    GM has put extraordinary time and money into developing Cadillac models that should equal BMWs, but buyers haven’t agreed so far.

    Buick is disappointing, too, as GM has spent to heavily advertise the brand and its new, sportier personality. GM sells more Buicks in China than in the USA, though, so a soft U.S. market isn’t doom for the brand.

    Buick’s issue is that the Encore mini-SUV, which has had that market alone, will be assaulted this year by “city-ute” rivals from GM’s own Chevrolet Trax, plus Honda HR-V, Mazda CX-3, Jeep Renegade and the Fiat 500X — all hitting the market this year.

    • Ford Motor:

    Sales of Ford and Lincoln brand new-vehicles in February were 180,383, down 2%.

    The F-series, the automaker’s biggest seller, inched back 1.2% from a year ago, as Ford awaits the start of production this month of the redesigned F-150 at the Kansas City Assembly Plant.

    Explorer SUV sales increased 32% in February, the best in nine years. Sales of the redesigned Mustang also rose 32%, best February since 2007.

    Lincoln, Ford’s struggling luxury brand, was down 7.5%. A 32.5% jump in Lincoln SUV sales, mainly due to the Ford Escape-based, new-to-the-line MKC, couldn’t erase drops by the brand’s two car models and other SUVs.

    The full-size Transit van, introduced last year to replace most versions of the Econoline, or E-series, van, drove a 30% increase in total Ford van sales. It was Ford’s best February van sales performance since 2007.

    • FCA:

    Fiat Chrysler Automobiles continued its years-long streak of monthly sales improvements, reporting Tuesday that it sold 163,586 new cars and trucks in February, up 5.6% from a year earlier.

    It was the company’s best February sales since 2007 and its 59th consecutive month of year-over-year sales increases. That could be a difficult string to continue, as the comparisons increasingly are to strong results the previous year.

    The Chrysler, Jeep and Ram brands each posted year-over-year sales gains in February compared with the same month a year ago.

    Jeep remained the star — up 21.1%, the biggest gain of any FCA U.S. brand during the month and Jeep’s best February sales ever.

    Jeep’s success highlights a potential weakness at the company — a heavy reliance on truck models. Pickups, SUVs and vans were 72% of FCA’s February U.S. sales, compared with about 52% of the overall industry mix.

    Those vehicles have lately boomed in sales partly because of falling gasoline prices. But now gas prices are moving back up and buyers might turn their attention to cars, which typically use less fuel than trucks.

    Reid Bigland, FCA sales chief in the USA, noted that “even with tougher year-over-year sales comparisons in 2015, our vehicle lineup continues to produce record sales results.”

    Nine set records in February, including four of the five Jeep brand vehicles; Patriot turned in its best sales month ever; Cherokee, Wrangler and Compass each recorded its best February sales.

    The Dodge Challenger, Fiat 500L, Chrysler 200, Ram ProMaster and Ram Cargo Van each recorded best-ever February sales.

    • American Honda:

    Combined Honda and Acura sales in February were up 5%, to 105,466 new vehicles.

    Acura light trucks — RDX and MDX SUVs — set a February record, rising 12.5% to 8,415 vehicles. The brand’s total was 12,992, p 12.5%.

    The Honda brand posted 92,474 sales, up 4.%.

    • Toyota Motor:

    Combined sales of Toyota, Scion and Lexus brands in February were 180,467, an increase of 13.3% from February 2014.

    The automaker’s truck models set a February sales record, in line with other maker’s results.

    Sales by the Lexus luxury brand jumped 22%, scoring a February sales record for Lexus.

    “The auto industry is off to its best start since 2007 as truck demand continues to rise,” said Bill Fay, Toyota division group vice president and general manager. “Sales of Toyota light trucks and SUVs, led by RAV4, set a new February record.”

    • Nissan Group:

    Sales of the Nissan and Infiniti brands combined set a February record of U.S. sales, hitting 118,436 new vehicles. That was up 2.7% from a year earlier.

    The Nissan brand rose 1.1%, to 106,777 new-vehicle sales, a February record for the brand.

    Infiniti sales jumped 19.8%, to 11,659.

    The strong results came “in spite of winter weather that gripped some key southern and eastern U.S. markets,” said Fred Diaz, senior vice president, of Nissan U.S. sales and marketing. “Consumer demand for small crossovers continues to grow, and Nissan took advantage tying the best month for Rogue sales in its history.”

    Nissan was on the SUV bandwagon:

    • Rogue sales tied a record for any month at 21,419, an increase of 24.6%.

    • Pathfinder SUV set a February record — 7,066, up 11%.

    • Sales of Nissan’s commercial van lineup, including the full-size NV and smaller NV200, were up 38.4%.

    • Volkswagen:

    VW sales fell 5.2% to 25,710.

    The redesigned Golf small car roared 137.8% ahead of the previous February, but that wasn’t enough to counter declines of all other VW models.

    • BMW Group:

    BMW ‘s Mini brand, powered by redesigned — and larger — Cooper two-door and four-door hardtop models, zoomed 51.3% in February, helping pull BMW Group to an 18.2% sales increase in February.

    Following the industry pattern of the month, BMW’s SUVs posted a 24.1% sales increase, while its cars did well, up 10.4%.

    The industry’s sales tallies come as the average transaction price for a new vehicle in the USA continues to rise, according to Kelley Blue Book. In February, buyers paid an average $33,299 in the USA, up 4% from a year ago, according to the auto research and shopping site.

    However, new-car prices are down 0.6% from January, the site says.

    A higher mix of SUVs, particularly full-size and midsize, is helping drive up the industry average price.

    And long new-car loans are keeping payments down, making pricier vehicles seem affordable. But extended loans stretch the length of time it takes to pay down the balance to the point the car’s worth more than you owe. That leaves owners with nothing of value to trade in and can keep today’s buyers out of the new-car market for many tomorrows.

    Mercedes-Benz:

    Mercedes saw sales rise 3.1% to 25,749 for the month, according to Autodata.

    The brand got a nice boost from C-Class sedan sales, up 36%, and the new, smaller CLA, up 32.2%. On the truck side. the GL Class was up 6% and the GLK was down 32.1%. But the brand was helped by the introduction of its new small crossover, the GLA.

    72 CONNECT TWEET 30 LINKEDIN 15 COMMENT EMAIL MORE

    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) #trak #auto


    #buying a car
    #

    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!

    Just Scroll to the top of the page and select the Buy Button.

    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

    404 – PAGE NOT FOUND #auto #warranty


    #auto salvage auction
    #

    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.

    404 Redirect – The Page You Have Requested Is Not Available #used #auto #loan #rates


    #auto custom carpets
    #

    The following parts require additional handling charges due to their large size or weight: wheels. tires. full suspension lift kits. oversized bumpers. tire carriers. body tubs. hard tops and cargo racks. The following parts do not qualify for free shipping: Oversized items and items delivered by truck freight, as well as prior purchases and returns.

    1995-2015, Quadratec, Inc. All rights reserved. This entire site with its content and parts is copyright protected. All images are invisibly watermarked and cannot be used without explicit agreement from Quadratec Inc.

    Jeep Parts Jeep Accessories Take your Jeep to the next level with the parts found on our site. We are a leading Jeep accessories retailer, providing performance products for our customers. We work hard to give you the best information to turn your vehicle into a top-notch ride. Whether you are looking for a Jeep lift kit or want improved Jeep engine performance. we have the parts Jeep accessories you need.

    The terms Quadratec and Essentials are Registered Trademarks of Quadratec Incorporated, Registered in U.S. Patent and Trademark Office. All manufacturers names, numbers, symbols and descriptions are used for reference purposes only, and it is not implied that any part listed is the product of these manufacturers or approved by any of these manufacturers.

    * Jeep, Wrangler, Rubicon, Renegade, CJ, Quadra-Trac and the Jeep Grille Design are registered trademarks of FCA (Fiat Chrysler Automobiles). Quadratec, Inc, has no affiliation with FCA. Throughout this website and catalog the terms Jeep, Wrangler, MOPAR , & Rubicon are used for identification purposes only. It is not implied that any part listed is a product of, or approved by Fiat Chrysler Automobiles.

    ** To qualify for FREE shipping the parts on an individual order must meet a combined total value of $75 or more. Customer must select Standard Shipping in the checkout and ship to an address in the contiguous 48 United States. Some parts require additional handling charges due to their large size or weight: including wheels, tires, full suspension lift kits, oversized bumpers, tire carriers, body tubs, hard tops, cargo racks, winches and hitches. Oversized items, items that are delivered by truck freight, prior purchases and returns do not qualify for free shipping.

    404 – PAGE NOT FOUND #auto #painting


    #car classifieds
    #

    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 HostGator immediately via phone or live chat so we can diagnose the problem.

    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/images/banner.PNG

    In this example the image file must be in public_html/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.

    Page Not Found – Official Honda Web Site #auto #trder


    #poor credit auto loans
    #

    [1] MSRP excluding tax, license, registration, $835.00 destination charge and options. Dealer prices may vary.

    [2] MSRP excluding tax, license, registration, $900.00 destination charge and options. Dealer prices may vary.

    [3] Subject to limited availability through September 2014 to residents of CA, OR, MA, RI, CT, NY, NJ, and MD on approved credit through American Honda Finance Corp. Closed end lease for 2014 Honda Fit EV for well-qualified lessees. Not all applicants will qualify. No purchase option at lease end. MSRP $37,415 (includes destination). Excludes tax, title, license, fees, registration, options and insurance. Total monthly payments $9,324. Lessee responsible for non-routine maintenance and excessive wear/tear. Lease includes collision coverage, routine maintenance, roadside assistance, unlimited mileage, and navigation system updates. Total due at lease signing is $259 plus tax and title and includes first month’s payment. Please see your authorized Fit EV dealer for complete details. For lessees who elect to install 240-volt charging equipment in their home, the charging equipment (hardware only) will be provided by Honda, the lessee remains responsible for installation and installation materials.

    The National Do Not Call Registry #cell #phone-do #not #call #list


    #

    Do Not Call

    People all over the country can now enroll in the national do not call registry that will prevent telemarketers from calling. Many states have their own Do Not Call lists, and Arizona is one of those states.

    Here are the answers to some common questions about the national do not call registry:

    How Do I Sign Up

    Everyone in the country may begin signing up for the do not call registry online. There is also a toll-free number for do not call registration.

    Call 1-888-382-1222. If you register by phone, you will have to call from the telephone number that you wish to register in the system. Be wary of companies offering to register you for a fee. You can do it yourself, and there is no charge for signing up for this registry.

    Do I Have to Re-Register Every Year?

    No. Assuming your phone number doesn t change, your registration for the do not call list is good. You can remove your number from the do not call registry at any time you choose.

    Will Those Annoying Calls Stop Immediately?

    Sorry, no. Telemarketing companies are only required to check the list every 90 days to update their files. At startup, then, you might not see much decrease in telemarketing calls until September or October.

    What Happens If They Still Call?

    The Federal Trade Commission, which oversees the national do not call registry, will prosecute those companies that ignore the law.

    They can be fined $11,000 for each call they make that violates the law. After the first 90 days of the system s operation, if you still receive unwanted telemarketing calls, you will be able to file a complaint with the FTC online or by calling a toll-free number.

    Beware: there is a scam going around about people contacting you to try to get you to give them personal information in exchange for assistance in reporting telemarketers and supposedly getting you money for it.

    So I ll Never Get Another Sales Call Again For as Long as I Live, Right?

    Sorry, that s not quite how it works. Some companies are exempt from the law. For example, companies with which you have had a business relationship can call you for up to 18 months after your last purchase or payment. Even if there was a relationship and the company legally called, you may ask the company not to call again, and they must comply. By the way, this is true whether you are on the do not call registry or not.

    There are some other exceptions, too, like airlines, long distance phone companies and insurance companies. What this law was designed to do was to keep those professional telemarketing companies from calling you, and it should accomplish that.

    Some More Encouraging News

    Even if you don t register for the do not call list, the new Telemarketing Sales Rule should help eliminate some other annoyances. For instance, do you find that you are often answering the phone and there s nothing there but some kind of mechanical hang-up? That happens because telemarketers have automated dialing systems, and the system is calling even though there may not be an operator to pick up the call and talk to you.

    Now, telemarketers will be required to connect the call to a sales representative within two seconds from the time you say hello. If they don t pick up the phone, a recorded message must play to let you know who s calling and the telephone number they re calling from. The recording can t be a sales pitch. Another beneficial rule for consumers is the one that specifies that a telemarketer will be required to transmit their telephone number and if possible, their name, to your caller ID service. This rule will take a year to go into effect. This will go a long way in assisting with enforcement of the law, since you ll have a phone number to file a complaint if you feel the call was a violation of existing law.

    Air Conditioner Blowing But Not Cooling #air #conditioner #blowing #but #not #cooling


    #

    Air Conditioner Blowing But Not Cooling

    Is your air conditioner blowing but not cooling? Here s a quick rundown of the issue. Troubleshooting air conditioning isn’t difficult. It proceeds along a set pattern with the easiest things tested first and more difficult later.

    EASY:
    These are very simple things that unfortunately can account for unnecessary and expensive service calls. They fall under the, “Duh!” category, but have to be mentioned.

    • Unit is set on “fan only.” Modern window and central air systems have a setting for air flow only; the cooling function is shut off. This is used to provide air circulation or fresh air.
    • Temperature is set too high. Central air systems may have a setting for the fan – auto or manual. When the temperature in the house is lower than the cut-off for the cooling cycle, and the fan is set on manual (or always on) it will continue to blow, even though the thermostat hasn’t engaged the cooling coils.
    • Filter is clogged – always a good idea to check and replace if needed. Reduced air flow can make the inside coils ice over 1 .
    • Outside condenser coils are clogged with debris. When the AC is running, you should feel warm (or hot) air being blown away from the exhaust of the unit. You can clean leaves away and improve air flow.
    • Water has built up under the cooling coils on the indoor unit – some systems collect water and have an automatic shut off for the cooling coils when the sensor is tripped. Remove the water (shop vac) and check for clog in any drain tube 2 .
    • AC is shut off or central air is in heating mode. This sometimes happens when outside temperatures are fluctuating and different household members are changing the settings from heat to cool without telling others.
    • Miswired thermostat or low battery in thermostat. Since many modern thermostats control heating, cooling and the fan, a problem here can lead to very odd symptoms. A tech may hardwire to jump the thermostat, but homeowners can make sure it’s firmly set in place and has a good battery.
    • Blown fuse in household fuse box – for central air, the outside unit and the inside fan blower will run off of different fuses. Check the house fuses to see if one is tripped – if it trips or blows after resetting, stop and call a professional.
    • Outside fuse blown – there is usually a separate outside junction box and circuit breaker for central AC systems. If you reset this and it trips again, stop and call a professional.
    • If the cooling tubes (coils or feed lines) are not cold, and the compressor is running, you may be low on Freon (or other coolant). Since systems are sealed, this would indicate a leak somewhere. You will need to have a tech add Freon and track down the leak 3 .
    • For split systems, a crimped coolant line can prevent flow to the indoor unit. This usually happened after some interior construction – the line will have to be repaired 4 .
    • If the compressor is not running at all, there can be several problems, ranging from a blown capacitor to a seized motor. This will require professional diagnosis and repair.
    • Outside exhaust fan isn’t running. Unless this is a fuse problem, you will have to call a pro to trouble shoot the fan motor or the circuitry.

    What not to do:
    Modern air conditioners are technically advanced and not designed for do-it-yourselfers. Window and small units are sealed with almost no user-replaceable items (except for the filter). Larger equipment is also complex, and added to that is the expense that comes with a goof. If you try to repair something you aren’t qualified to deal with, not only will it cost more to fix, but your warranty might be voided as well.

    Be extremely careful around electricity! Air conditioners draw a great deal of power; capacitors bump this up even higher. Make sure all power is off before you think about opening the case. Better yet, leave anything inside to the pros.

    Related Articles

    • HVAC Career Outlook, Salary and Education Information. The US Department of Labor publishes workforce statistics, including income averages and predicted need. Their 2010 publication, Occupational Outlook Handbook [. ]
  • 5 Golden Rules to Buying an Air Conditioner Online. Online sales are the rage in everything from electronics to dog toys. The US Commerce Department lists online sales as [. ]
  • Understanding Your Air Conditioner Warranty. “Just fix this darn thing. I’m sweating like a hog!” A warranty is one of those things we don’t think [. ]
  • Residential AC: DIY or Hire a Pro?. Whether or not to hire a professional installer for a residential air conditioning system is up to each homeowner to [. ]
  • Air Conditioning Features: Hype or Worthwhile Components?. Like many products where competition is steep, air conditioner manufacturers sometimes push features to gain market share. Consumers are sometimes [. ]
  • Stay Clean, Stay Healthy: Bacterial Growth in Air Conditioning Systems. It’s been thirty years since an outbreak of an unknown disease caused panic in the Stratford Hotel in Philadelphia.1 The [. ]
  • HVAC Troubleshooting Software. HVAC troubleshooting software helps the HVAC engineer troubleshoot and diagnose problems. Some software is for simulation other is mainly [. ]
  • Heating and Air Conditioning School: On Exams, Certificates vs. Degrees. Do I need to go to a heating and air conditioning school all? The answer depends on the state you [. ]
  • What s the difference between a heat pump and an air conditioner?. Heat pump vs. air conditioner First, an air conditioner is a type of heat pump. It “pumps” heat from the [. ]
  • What is a Solar Air Conditioner?. The most general definition of solar air conditioning refers to any air conditioning (cooling) system that uses/ manipulates solar energy [. ]
  • One Response to Air Conditioner Blowing But Not Cooling

    I m using a Kenmore air conditioner in my recording studio control room, but it doesn t seem to be cooling at all. I believe that it s a 5000 BTU unit, which ought to be fine because the studio is only about 8ft by 9ft small. Is this because the outside temperature is so low? I m in NYC and the temperatures right now are in the 30s, but I need to run the AC in my studio because the equipment heats up the room so much. Any info you can give me will be appreciated. The unit worked fine during the summer btw.

    Page Not Found #auto #diagnostic


    #auto rebates
    #

    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.

  • 404 – PAGE NOT FOUND #auto #warranty


    #auto salvage auction
    #

    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.

    404 – PAGE NOT FOUND #everything #auto


    #local cars for sale
    #

    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 HostGator immediately via phone or live chat so we can diagnose the problem.

    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/images/banner.PNG

    In this example the image file must be in public_html/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.

    How to Get a Used-Car Warranty (and Not Get Screwed) #auto #glass #houston


    #auto warranties
    #

    How to Get a Used-Car Warranty (and Not Get Screwed)

    Getting a little peace of mind when you buy a preowned car isn’t always easy. We help you navigate certified preowned warranties, aftermarket alternatives, and not voiding your coverage.

    Anderson’s math helps guide IntelliChoice’s Best Overall Value of the Year Awards. But the real reason data like his matter to you is that it shows the differences in warranties that various automakers offer on preowned cars both CPO vehicles and other used autos.

    Figuring out whether to buy a warranty on a used car, or how to do it, can be a tangled mess. But we’re here to help. For some advice on buying used, what warranties are best on the CPO front, and what to watch out for in extended warranties if you don’t buy a CPO vehicle, read on. As you might imagine, it all starts with “read the fine print.”

    Go CPO

    Certified preowned-car warranties provide peace of mind because factory warranties are backing the product, but Anderson says there’s another crucial factor: manufacturer vetting. CPO cars have to be in good to great shape to be insurable. “The only way [car companies] can offer CPO is because they’re making money on the aggregate of the warranties. If they weren’t, the business model wouldn’t make any sense.”

    Like any insurer, carmakers want to insure mostly healthy patients. But unlike health insurance providers, car companies can inspect every patient top to bottom to make sure it’s healthy. They’ll do small repairs to prep a CPO for sale, but any vehicle that needs major work, such as a new transmission, will never make it into the certified preowned pool.

    The upshot: A CPO car is already a good machine or the carmaker would never sell it as such. That puts the dealer in a position where he doesn’t feel like he has to hide anything from you.

    Shopping for CPOs

    But just as new-car warranties differ, not all CPO warranties are created equal. When you’re shopping for one, Anderson says, look first at the deductibles. Audi charges $85, BMW $50, and Land Rover $100, none of which may surprise you (though neither Mercedes or Lexus charges a deductible). But it is a shocker that Chrysler charges $150 and Ford $100.

    Also, check whether the CPO warranty is transferable if the car is sold prior to its expiration, which could apply to you if you’re the buyer or the seller. Audi, Infiniti/Nissan, and Lexus all say no, but Kia will let you transfer a warranty, though it charges $40.

    There’s a ton of fine print that comes with CPO warranties. Read it the details should be on the manufacturers’ websites. The information within covers a lot of ground. Can you finance a CPO car? Can you lease a CPO car? Is roadside assistance included? Look for deal-breakers. There’s no such thing as perfection; it just depends on where you’re willing to bend and where you’re not.

    The biggest question, however, is the obvious one: how much coverage you’re going to get and for how long. Lexus offers three-years/100,000 miles, which is one of the best CPO warranties around. It compares favorably witih other programs that offer anywhere from three months comprehensive/12 months powertrain to 24 months comprehensive coverage.

    To Extend the CPO Warranty or Not?

    Before you buy a certified preowned car, you should investigate not only the warranty details, but also whether you can buy an extended warranty.

    This is especially true for a luxury car, and even more so if the CPO contract covers only a year or two. Luxury cars are typically expensive to maintain and the extra warranty protection is nearly always a wise play. However, Anderson says, extended warranties are becoming an increasingly smart move even for other vehicles. “Think of Ford’s Sync or any other sophisticated electronic system,” he says. When it goes south, it requires a great deal of troubleshooting. “Often the parts are cheap, but it takes them a long time to figure out why something isn’t working, and at $85 or $120 an hour, that labor adds up quickly.”

    But (you knew there was a but, right?), not all extended warranties are necessarily worth it. Audi doesn’t even offer one, nor does Porsche or Mini, and even if you can get one you still need to look at the limitations. For instance, you might find an extended warranty that covers up to five years, but ends at 74,000 miles. If you’re buying a car with 60,000 miles on it already, that extended warranty isn’t much good.

    Finally, a little secret of the extended warranty game is that they cost the dealer a set amount. How much isn’t public knowledge and carmakers won’t share that information, but dealers are free to use it as a bargaining chip. They can throw it in with the purchase price of a CPO car or non-CPO car; they can charge more than it costs them. The point is that it’s negotiable, so you should feel free to ask for the time to study what the warranty covers and what it doesn’t, and haggle over the price.

    More From Popular Mechanics

    404 Redirect – The Page You Have Requested Is Not Available #midway #auto


    #auto custom carpets
    #

    The following parts require additional handling charges due to their large size or weight: wheels. tires. full suspension lift kits. oversized bumpers. tire carriers. body tubs. hard tops and cargo racks. The following parts do not qualify for free shipping: Oversized items and items delivered by truck freight, as well as prior purchases and returns.

    1995-2015, Quadratec, Inc. All rights reserved. This entire site with its content and parts is copyright protected. All images are invisibly watermarked and cannot be used without explicit agreement from Quadratec Inc.

    Jeep Parts Jeep Accessories Take your Jeep to the next level with the parts found on our site. We are a leading Jeep accessories retailer, providing performance products for our customers. We work hard to give you the best information to turn your vehicle into a top-notch ride. Whether you are looking for a Jeep lift kit or want improved Jeep engine performance. we have the parts Jeep accessories you need.

    The terms Quadratec and Essentials are Registered Trademarks of Quadratec Incorporated, Registered in U.S. Patent and Trademark Office. All manufacturers names, numbers, symbols and descriptions are used for reference purposes only, and it is not implied that any part listed is the product of these manufacturers or approved by any of these manufacturers.

    * Jeep, Wrangler, Rubicon, Renegade, CJ, Quadra-Trac and the Jeep Grille Design are registered trademarks of FCA (Fiat Chrysler Automobiles). Quadratec, Inc, has no affiliation with FCA. Throughout this website and catalog the terms Jeep, Wrangler, MOPAR , & Rubicon are used for identification purposes only. It is not implied that any part listed is a product of, or approved by Fiat Chrysler Automobiles.

    ** To qualify for FREE shipping the parts on an individual order must meet a combined total value of $75 or more. Customer must select Standard Shipping in the checkout and ship to an address in the contiguous 48 United States. Some parts require additional handling charges due to their large size or weight: including wheels, tires, full suspension lift kits, oversized bumpers, tire carriers, body tubs, hard tops, cargo racks, winches and hitches. Oversized items, items that are delivered by truck freight, prior purchases and returns do not qualify for free shipping.

    404 – PAGE NOT FOUND #auto #quote


    #auto salvage auction
    #

    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.

    404 – PAGE NOT FOUND #auto #rims


    #car classifieds
    #

    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 HostGator immediately via phone or live chat so we can diagnose the problem.

    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/images/banner.PNG

    In this example the image file must be in public_html/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.

    The trouble with car title loans is NOT people losing their cars #used #cars #for #sell


    #auto title loans
    #

    The trouble with car title loans is NOT people losing their cars

    A title loan store in Nashville, Tenn. (Joe Howell/Vanderbilt)

    The standard knock against car title loans is a toothless assertion that the transaction leads to people losing their cars and then their jobs because they have no transportation to get to work, say three researchers led by Vanderbilt’s Paige Marta Skiba.

    “Repossession affects few borrowers, and our evidence indicates that most borrowers will not lose their only way to work because of repossession,” said Skiba, associate professor of law at Vanderbilt Law School. “Thus, prohibitions on title loans based on the premise that borrowers are frequently losing their vehicles are misguided.”

    Title loans are high-cost, short-term small loans secured by a vehicle that the borrower usually owns outright. Such loans, along with payday loans, are used by many people who are shut out from the mainstream banking system. The most common term for title loans is one month, and the interest rate is usually around 300 percent – when expressed as an annual percentage rate.

    If the borrower defaults on the loan, the lender can repossess the borrower’s vehicle.

    Skiba, Vanderbilt economics Ph.D. student Kathryn Fritzdixon and Jim Hawkins, assistant professor of law at the University of Houston Law Center, surveyed 400 title loan customers in three states (Georgia, Idaho and Texas) in partnership with a title lending firm in November and December 2012. The three states have distinct approaches to regulating title loans, but enough similarities to allow meaningful comparisons.

    Their study, Dude, Where’s My Car Title. The Law, Behavior and Economics of Title Lending Markets. can be read at http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2224247. It will be published this year in the University of Illinois Law Review.

    Paige Marta Skiba (Vanderbilt Law School)

    The study showed that less than 10 percent of vehicles involved in title loans ended up being repossessed. Moreover, less than 15 percent of borrowers said they had no other way to get to work if their car were repossessed.

    “While not insignificant, this small percentage suggests that the dire consequences that critics predict are unlikely to occur for the vast majority of title borrowers,” Skiba said. “Rough calculations would place the percentage of title borrowers who lose their jobs as a result of title lending at 1.5 percent.”

    Regulators could be of some help to title loan consumers, Skiba said. The research shows that most title loan customers are overly optimistic that they will pay back their loans on time, which means the loan ends up costing them much more than they believe it will when they first receive it.

    “Policymakers should require that title lending companies post information about how people actually use title loans: information about the number of times people roll over their loan, the amount of money those rollovers cost in total, the number and amount of late fees and other fees people pay, and the likelihood of defaulting on the loan,” the study reads. “Research has demonstrated in real world markets that disclosure rules can be used to inform people about how others use the loans, which can change their expectations about their own use of the product.”

    Media Inquiries:

    Jim Patterson, (615) 322-NEWS

    404 – PAGE NOT FOUND #cheap #auto #parts #online


    #japan auto parts
    #

    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.

    Denver Auto Show patrons say cheap gas not a factor in car purchases – The Denver Post #acura #auto #parts


    #denver auto show
    #

    Denver Auto Show patrons say cheap gas not a factor in car purchases

    p1.jpg” /%

    Ten-year-old Joshua Santos of Loveland takes the wheel of a 2015 Chevy Silverado 3500 High Country 4WD priced at $34,995 at the Denver Auto Show at the Colorado Convention Center on Thursday. (Photos by Helen H. Richardson, The Denver Post )

    Consumer opinions at the Denver Auto Show are as diverse and colorful as the lineup of displayed vehicles except on one issue.

    When it comes to gasoline prices, what goes down must come up.

    Two-dollar gas is a pleasant but fleeting phenomenon that has little bearing on buying a car, according to a sampling of attendees at the show.

    “Cheap gas makes me happier about buying an SUV, but we’d be doing it anyway regardless of gas prices,” said Denver resident Lew Winston, who with wife Pam was casting fond glances at a 2015 Ford Explorer Sport.

    The Winstons need SUV capacity for road trips and to have enough passenger space to haul their grandchildren.

    “If gas was $4 a gallon, we’d still be looking at this (Explorer),” Winston said.

    The National Automobile Dealers Association is projecting that light trucks and SUVs will account for 56 percent of U.S. vehicle sales this year, up from 53 percent last year.

    Advertisement

    “Low fuel prices have accelerated that change,” said Steven Szakaly, chief economist of the association. “When we’re paying less for gasoline, people increasingly favor the utility and comfort that larger vehicles provide.”

    Szakaly noted that trucks and SUVs have recorded steady improvements in fuel economy in the past decade.

    The U.S. Energy Information Administration reported this week that Denver’s average gasoline price of $2.27 for all grades is the lowest among 10 cities surveyed nationwide. Colorado, with an average price of $2.28, was the cheapest in the EIA’s nine-state survey.

    “I’m influenced by (a vehicle’s) fuel mileage rating but not really by gas prices. I assume that they’re going to come back up,” said Isaac Smith, who traveled from northeast Wyoming to visit the auto show.

    Several Denver-area stations are selling regular gas for $2.05 a gallon or less.

    Those prices the lowest in six years are immaterial to auto show attendee and car enthusiast Roland Ochs of Denver.

    %img src=”http://extras.mnginteractive.com/live/media/site36/2015/0410/20150410__20150411_A15_BZ11AUTOSHOW%3C/p%3E%0D%0A%3Cp%3Ep2.jpg” /%

    A patron takes a peek inside a 2015 Dodge Challenger R/T Plus Shaker. It’s going for $40,780.

    Ochs owns a 2008 Dodge Viper and a 2012 Dodge Challenger. Still, he said he was giving thought to buying a 2015 Challenger SRT Hellcat. on display at the auto show with its hood open to show off a 6.2-liter supercharged V-8 that generates a neck-snapping 707 horsepower.

    Ochs said he is more concerned about his wife’s reaction if he brings home another muscle car than he is about the Hellcat’s fuel tab, based on an EPA rating of 13 miles per gallon in city driving.

    Denver Auto Show

    Location: Colorado Convention Center, 700 14th St. Denver

    Hours: Saturday 10 a.m. to 10 p.m.; Sunday 10 a.m. to 6 p.m.

    Admission: $12 for adults, $6 for children 6-12, free under age 6

    February auto sales up, but not for all #car #selling #sites


    #us auto sales
    #

    February auto sales up, but not for all

    Trucks, SUV s and vans saw robust new-vehicle sales in February, while cars languished. USA Today s James R. Healey tells us about the shift happening within the auto industry. (MONEY, USA TODAY)

    Buick Encore, which pioneered the mini-ute segment in the USA, is the only Buick model that reported better sales in February than a year ago. (Photo: Buick)

    72 CONNECT TWEET 30 LINKEDIN 15 COMMENT EMAIL MORE

    Monthly auto sales were up, but not for all automakers and not as much as some industry watchers forecast.

    One jarring note: Toyota Motor outsold Ford Motor by 84 vehicles to take the No. 2 spot, behind General Motors. That’s unusual, but it was more a moment than a trend.

    Toyota’s SUV sales rose significantly, while Ford’s overall sales fell because it hasn’t yet gotten production of the redesigned F-150 pickup up to speed at the Kansas City Assembly Plant. KCAP is the second of two F-150 plants to switch to building the new aluminum-body design.

    The month includes the Presidents Day holiday that automakers and dealers say marks the beginning of the prime spring selling season.

    Ahead of the sales reports, most forecasts were set for an annual pace of 16.7 million. With automakers that account for most sales reporting, the estimate slid as low as 16.2 million.

    Slow February, slow year is the fear.

    “Many people were predicting a hot February, but that wasn’t the case for several (automakers). Perhaps it was the weather,” said Akshay Anand, analyst at Kelley Blue Book.

    Among the domestic makers, General Motors and FCA — Fiat Chrysler Automobiles — reported increases, while Ford dropped slightly on lack of full F-150 production.

    The increases rode the backs of SUVs and other truck models.

    At GM, for example, the Buick Encore mini-utility was up about 60% while every other Buick tanked. Chevrolet’s big Suburban SUV more than doubled last year’s tally.

    Overall, GM truck sales rocketed 36% ahead of last year.

    At FCA, Jeep SUV brand continued to be the headliner — up 21.1% for its best month ever.

    Big Japan brands did better overall.

    In spite of some soft sales totals — Ford and Volkswagen among them — TrueCar.com says the month is evidence that the “renaissance in the U.S. auto sector continues into February.”

    • General Motors:

    Sales overall were up 4.2%. A jump of 18.9% at the GMC brand, which sells only trucks and SUVs, plus a rise of 3.8% at the Chevrolet brand as its Silverado pickup and SUVs climbed high rescued the automaker from sales slumps at its Buick and Cadillac brands.

    GM has put extraordinary time and money into developing Cadillac models that should equal BMWs, but buyers haven’t agreed so far.

    Buick is disappointing, too, as GM has spent to heavily advertise the brand and its new, sportier personality. GM sells more Buicks in China than in the USA, though, so a soft U.S. market isn’t doom for the brand.

    Buick’s issue is that the Encore mini-SUV, which has had that market alone, will be assaulted this year by “city-ute” rivals from GM’s own Chevrolet Trax, plus Honda HR-V, Mazda CX-3, Jeep Renegade and the Fiat 500X — all hitting the market this year.

    • Ford Motor:

    Sales of Ford and Lincoln brand new-vehicles in February were 180,383, down 2%.

    The F-series, the automaker’s biggest seller, inched back 1.2% from a year ago, as Ford awaits the start of production this month of the redesigned F-150 at the Kansas City Assembly Plant.

    Explorer SUV sales increased 32% in February, the best in nine years. Sales of the redesigned Mustang also rose 32%, best February since 2007.

    Lincoln, Ford’s struggling luxury brand, was down 7.5%. A 32.5% jump in Lincoln SUV sales, mainly due to the Ford Escape-based, new-to-the-line MKC, couldn’t erase drops by the brand’s two car models and other SUVs.

    The full-size Transit van, introduced last year to replace most versions of the Econoline, or E-series, van, drove a 30% increase in total Ford van sales. It was Ford’s best February van sales performance since 2007.

    • FCA:

    Fiat Chrysler Automobiles continued its years-long streak of monthly sales improvements, reporting Tuesday that it sold 163,586 new cars and trucks in February, up 5.6% from a year earlier.

    It was the company’s best February sales since 2007 and its 59th consecutive month of year-over-year sales increases. That could be a difficult string to continue, as the comparisons increasingly are to strong results the previous year.

    The Chrysler, Jeep and Ram brands each posted year-over-year sales gains in February compared with the same month a year ago.

    Jeep remained the star — up 21.1%, the biggest gain of any FCA U.S. brand during the month and Jeep’s best February sales ever.

    Jeep’s success highlights a potential weakness at the company — a heavy reliance on truck models. Pickups, SUVs and vans were 72% of FCA’s February U.S. sales, compared with about 52% of the overall industry mix.

    Those vehicles have lately boomed in sales partly because of falling gasoline prices. But now gas prices are moving back up and buyers might turn their attention to cars, which typically use less fuel than trucks.

    Reid Bigland, FCA sales chief in the USA, noted that “even with tougher year-over-year sales comparisons in 2015, our vehicle lineup continues to produce record sales results.”

    Nine set records in February, including four of the five Jeep brand vehicles; Patriot turned in its best sales month ever; Cherokee, Wrangler and Compass each recorded its best February sales.

    The Dodge Challenger, Fiat 500L, Chrysler 200, Ram ProMaster and Ram Cargo Van each recorded best-ever February sales.

    • American Honda:

    Combined Honda and Acura sales in February were up 5%, to 105,466 new vehicles.

    Acura light trucks — RDX and MDX SUVs — set a February record, rising 12.5% to 8,415 vehicles. The brand’s total was 12,992, p 12.5%.

    The Honda brand posted 92,474 sales, up 4.%.

    • Toyota Motor:

    Combined sales of Toyota, Scion and Lexus brands in February were 180,467, an increase of 13.3% from February 2014.

    The automaker’s truck models set a February sales record, in line with other maker’s results.

    Sales by the Lexus luxury brand jumped 22%, scoring a February sales record for Lexus.

    “The auto industry is off to its best start since 2007 as truck demand continues to rise,” said Bill Fay, Toyota division group vice president and general manager. “Sales of Toyota light trucks and SUVs, led by RAV4, set a new February record.”

    • Nissan Group:

    Sales of the Nissan and Infiniti brands combined set a February record of U.S. sales, hitting 118,436 new vehicles. That was up 2.7% from a year earlier.

    The Nissan brand rose 1.1%, to 106,777 new-vehicle sales, a February record for the brand.

    Infiniti sales jumped 19.8%, to 11,659.

    The strong results came “in spite of winter weather that gripped some key southern and eastern U.S. markets,” said Fred Diaz, senior vice president, of Nissan U.S. sales and marketing. “Consumer demand for small crossovers continues to grow, and Nissan took advantage tying the best month for Rogue sales in its history.”

    Nissan was on the SUV bandwagon:

    • Rogue sales tied a record for any month at 21,419, an increase of 24.6%.

    • Pathfinder SUV set a February record — 7,066, up 11%.

    • Sales of Nissan’s commercial van lineup, including the full-size NV and smaller NV200, were up 38.4%.

    • Volkswagen:

    VW sales fell 5.2% to 25,710.

    The redesigned Golf small car roared 137.8% ahead of the previous February, but that wasn’t enough to counter declines of all other VW models.

    • BMW Group:

    BMW ‘s Mini brand, powered by redesigned — and larger — Cooper two-door and four-door hardtop models, zoomed 51.3% in February, helping pull BMW Group to an 18.2% sales increase in February.

    Following the industry pattern of the month, BMW’s SUVs posted a 24.1% sales increase, while its cars did well, up 10.4%.

    The industry’s sales tallies come as the average transaction price for a new vehicle in the USA continues to rise, according to Kelley Blue Book. In February, buyers paid an average $33,299 in the USA, up 4% from a year ago, according to the auto research and shopping site.

    However, new-car prices are down 0.6% from January, the site says.

    A higher mix of SUVs, particularly full-size and midsize, is helping drive up the industry average price.

    And long new-car loans are keeping payments down, making pricier vehicles seem affordable. But extended loans stretch the length of time it takes to pay down the balance to the point the car’s worth more than you owe. That leaves owners with nothing of value to trade in and can keep today’s buyers out of the new-car market for many tomorrows.

    Mercedes-Benz:

    Mercedes saw sales rise 3.1% to 25,749 for the month, according to Autodata.

    The brand got a nice boost from C-Class sedan sales, up 36%, and the new, smaller CLA, up 32.2%. On the truck side. the GL Class was up 6% and the GLK was down 32.1%. But the brand was helped by the introduction of its new small crossover, the GLA.

    72 CONNECT TWEET 30 LINKEDIN 15 COMMENT EMAIL MORE

    Page Not Found #selma #auto #mall


    #auto rebates
    #

    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.

  • Page Not Found #auto #used


    #auto value
    #

    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.

  • United Automobile Insurance – Will not Honor Claim, Review 91735 #find #a #car


    #united auto insurance
    #

    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!

    404 – PAGE NOT FOUND #auto #salvage #parts


    #checker auto
    #

    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.

    404 – PAGE NOT FOUND #auto #transport #reviews


    #auto auction prices
    #

    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.

    The trouble with car title loans is NOT people losing their cars #auto #shopper


    #auto title loans
    #

    The trouble with car title loans is NOT people losing their cars

    A title loan store in Nashville, Tenn. (Joe Howell/Vanderbilt)

    The standard knock against car title loans is a toothless assertion that the transaction leads to people losing their cars and then their jobs because they have no transportation to get to work, say three researchers led by Vanderbilt’s Paige Marta Skiba.

    “Repossession affects few borrowers, and our evidence indicates that most borrowers will not lose their only way to work because of repossession,” said Skiba, associate professor of law at Vanderbilt Law School. “Thus, prohibitions on title loans based on the premise that borrowers are frequently losing their vehicles are misguided.”

    Title loans are high-cost, short-term small loans secured by a vehicle that the borrower usually owns outright. Such loans, along with payday loans, are used by many people who are shut out from the mainstream banking system. The most common term for title loans is one month, and the interest rate is usually around 300 percent – when expressed as an annual percentage rate.

    If the borrower defaults on the loan, the lender can repossess the borrower’s vehicle.

    Skiba, Vanderbilt economics Ph.D. student Kathryn Fritzdixon and Jim Hawkins, assistant professor of law at the University of Houston Law Center, surveyed 400 title loan customers in three states (Georgia, Idaho and Texas) in partnership with a title lending firm in November and December 2012. The three states have distinct approaches to regulating title loans, but enough similarities to allow meaningful comparisons.

    Their study, Dude, Where’s My Car Title. The Law, Behavior and Economics of Title Lending Markets. can be read at http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2224247. It will be published this year in the University of Illinois Law Review.

    Paige Marta Skiba (Vanderbilt Law School)

    The study showed that less than 10 percent of vehicles involved in title loans ended up being repossessed. Moreover, less than 15 percent of borrowers said they had no other way to get to work if their car were repossessed.

    “While not insignificant, this small percentage suggests that the dire consequences that critics predict are unlikely to occur for the vast majority of title borrowers,” Skiba said. “Rough calculations would place the percentage of title borrowers who lose their jobs as a result of title lending at 1.5 percent.”

    Regulators could be of some help to title loan consumers, Skiba said. The research shows that most title loan customers are overly optimistic that they will pay back their loans on time, which means the loan ends up costing them much more than they believe it will when they first receive it.

    “Policymakers should require that title lending companies post information about how people actually use title loans: information about the number of times people roll over their loan, the amount of money those rollovers cost in total, the number and amount of late fees and other fees people pay, and the likelihood of defaulting on the loan,” the study reads. “Research has demonstrated in real world markets that disclosure rules can be used to inform people about how others use the loans, which can change their expectations about their own use of the product.”

    Media Inquiries:

    Jim Patterson, (615) 322-NEWS

    Used car prices fall – but not enough #waukegan #auto #auction


    #used car prices
    #

    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.”

    404 – PAGE NOT FOUND #prime #choice #auto #parts


    #aftermarket auto body parts
    #

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    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.

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    404 Errors After Clicking WordPress Links

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    Despite winning richer contracts, not all auto workers embrace spirit of compromise #auto #electrical #repair


    #gm auto parts
    #

    Despite winning richer contracts, not all auto workers embrace spirit of compromise The Canadian Press Monday, November 23, 2015

    Dee-Ann Durbin, The Associated Press

    DEARBORN, Mich. – The United Auto Workers union started the year with a roar. It’s ending with a grumble.

    With Detroit automakers profitable once again, the union promised workers big gains in its new contracts with Ford, General Motors and Fiat Chrysler. At a convention in March, UAW President Dennis Williams raised a fist and proclaimed, It’s our time.

    But while the contracts completed in the past few weeks contain generous wage increases and profit-sharing, passage was surprisingly difficult. Many dissenters said the leadership failed to win back enough of the painful concessions they made when the automakers were struggling.

    The divide is a symptom of the fine line the union walks in a global market, trying to improve pay without losing U.S. jobs or making Detroit’s automakers uncompetitive with foreign rivals such as Toyota and Nissan. The UAW holds out hope of organizing foreign competitors’ U.S. plants, so the union touts its willingness to compromise over the hardball tactics of the past.

    Art Schwartz, a former head of labour relations for GM, says the UAW should have done a better job setting members’ expectations.

    These are very good contracts, he says. You don’t get everything back. That’s why it’s collective bargaining.

    Gary Walkowicz, a union bargaining committee official and frequent critic of UAW leadership, disagrees. The idea was in times that were better we’d be able to recoup some of the losses. This contract does not nearly do that.

    Fiat Chrysler workers rejected their first contract, forcing the union and company to sweeten the deal before they would ratify it. GM production workers narrowly ratified their contract, but skilled trades workers like pipefitters rejected it; after further negotiations, the union declared it ratified on Friday. Ford workers approved their contract late Friday by a razor-thin margin after an eleventh-hour PR push by the union.

    The contracts promise wage increases for all workers — for some it’s the first pay hike in a decade. They eliminate a two-tier wage system in the plants and put newer workers on a path to earn the same $29-per-hour wage as veteran ones. That adds up to around $60,300 per year, higher than the U.S. median income of $53,657, and doesn’t include the profit-sharing and other bonuses auto workers will get. Ford, for example, will pay out $10,250 per worker in bonuses before the end of this year.

    But the compromises that irk workers such as Walkowicz are starkly evident. The two-tier wage system — which the union agreed to in 2007 when the companies were near bankruptcy — is eliminated gradually; it will take the newest workers eight years to make what veteran workers make. Workers at some parts plants stay at lower wage rates.

    The three companies pledged $23 billion in U.S. plant investments over four years, but they’re allowed to move some work to lower-cost countries like Mexico. And while the contracts offer profit-sharing payments, they don’t guarantee the annual raises and cost-of-living increases that workers used to enjoy.

    Despite his occasional fiery rhetoric, Williams has said all along that the union must help the companies remain profitable. That message was partly meant for foreign competitors, which the UAW desperately wants to organize to boost its clout. The UAW currently has 403,000 members, a fraction of the 1.5 million it had at its peak in 1979.

    Foreign automakers generally match the UAW’s wages but offer less lucrative benefits. Going into this year’s contract talks, Toyota and Honda’s U.S. labour costs were $8 to $9 less per hour than GM and Ford’s.

    The new contracts will cost Detroit automakers $400 million to $500 million per year for the next four years, estimates Steve Brown, a senior director at Fitch Ratings. That’s manageable, he says, especially since U.S. auto sales are expected to remain strong.

    Ford has made $6.6 billion in North America so far this year, while General Motors has made $8.3 billion and FCA has made $5.4 billion. Cost cuts elsewhere should make up for the increased labour costs, Brown said.

    Bernie Ricke, the head of a big union local in Ford’s hometown of Dearborn, understands his workers’ frustration when they see those big profits. But he warns them that if U.S. labour gets too expensive, the companies will move production elsewhere.

    At the end of the day, if you get $50 an hour but you don’t have a job, it doesn’t mean anything, he says.

    Ultimately, the tough negotiations could be a positive for the UAW, says Gary Chaison, a professor of industrial relations at Clark University. They show the union can collaborate with auto companies, win strong wages and accommodate dissent.

    They’re saying, We’re not going to ruin prosperity. We’re not going to kill jobs. We might even create jobs, Chaison says.

    ___

    AP Auto Writer Tom Krisher contributed from Detroit.

    Page Not Found #auto #exchange


    #auto rebates
    #

    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.

  • Page Not Found #salvage #auto #parts


    #auto value
    #

    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.

  • United Automobile Insurance – Will not Honor Claim, Review 91735 #auto #radiator


    #united auto insurance
    #

    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!

    404 – PAGE NOT FOUND #buy #used #cars #online


    #auto auction prices
    #

    Why am I seeing this page?

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    404 – PAGE NOT FOUND #no #credit #check #auto #sales


    #local cars for sale
    #

    Why am I seeing this page?

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    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 HostGator immediately via phone or live chat so we can diagnose the problem.

    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/images/banner.PNG

    In this example the image file must be in public_html/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.

    404 – PAGE NOT FOUND #government #auto #auctions


    #prime auto group
    #

    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.

    The trouble with car title loans is NOT people losing their cars #used #mercedes


    #auto title loans
    #

    The trouble with car title loans is NOT people losing their cars

    A title loan store in Nashville, Tenn. (Joe Howell/Vanderbilt)

    The standard knock against car title loans is a toothless assertion that the transaction leads to people losing their cars and then their jobs because they have no transportation to get to work, say three researchers led by Vanderbilt’s Paige Marta Skiba.

    “Repossession affects few borrowers, and our evidence indicates that most borrowers will not lose their only way to work because of repossession,” said Skiba, associate professor of law at Vanderbilt Law School. “Thus, prohibitions on title loans based on the premise that borrowers are frequently losing their vehicles are misguided.”

    Title loans are high-cost, short-term small loans secured by a vehicle that the borrower usually owns outright. Such loans, along with payday loans, are used by many people who are shut out from the mainstream banking system. The most common term for title loans is one month, and the interest rate is usually around 300 percent – when expressed as an annual percentage rate.

    If the borrower defaults on the loan, the lender can repossess the borrower’s vehicle.

    Skiba, Vanderbilt economics Ph.D. student Kathryn Fritzdixon and Jim Hawkins, assistant professor of law at the University of Houston Law Center, surveyed 400 title loan customers in three states (Georgia, Idaho and Texas) in partnership with a title lending firm in November and December 2012. The three states have distinct approaches to regulating title loans, but enough similarities to allow meaningful comparisons.

    Their study, Dude, Where’s My Car Title. The Law, Behavior and Economics of Title Lending Markets. can be read at http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2224247. It will be published this year in the University of Illinois Law Review.

    Paige Marta Skiba (Vanderbilt Law School)

    The study showed that less than 10 percent of vehicles involved in title loans ended up being repossessed. Moreover, less than 15 percent of borrowers said they had no other way to get to work if their car were repossessed.

    “While not insignificant, this small percentage suggests that the dire consequences that critics predict are unlikely to occur for the vast majority of title borrowers,” Skiba said. “Rough calculations would place the percentage of title borrowers who lose their jobs as a result of title lending at 1.5 percent.”

    Regulators could be of some help to title loan consumers, Skiba said. The research shows that most title loan customers are overly optimistic that they will pay back their loans on time, which means the loan ends up costing them much more than they believe it will when they first receive it.

    “Policymakers should require that title lending companies post information about how people actually use title loans: information about the number of times people roll over their loan, the amount of money those rollovers cost in total, the number and amount of late fees and other fees people pay, and the likelihood of defaulting on the loan,” the study reads. “Research has demonstrated in real world markets that disclosure rules can be used to inform people about how others use the loans, which can change their expectations about their own use of the product.”

    Media Inquiries:

    Jim Patterson, (615) 322-NEWS