The 5 Most Popular Careers in Criminal Justice #careers #with #a #bachelors #in #criminal #justice, #most #popular #criminal #justice #careers


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The 5 Most Popular Criminal Justice Careers


Below we’ve listed the 5 most popular careers in criminal justice. These careers are the most popular based on total number of professionals employed in these fields. However, it doesn’t mean that they’re the most exciting. While Crime Scene Investigator and Forensic Technician are indeed a few of the more exciting and high-profiles careers in criminal justice, they didn’t make our list of most popular CJ careers given the relatively low number of professionals employed in these fields. Once you’ve reviewed our top 5 list below we invite you to explore all the different criminal justice careers available for aspiring students and professionals.

1. Patrol Officer (Police / Sheriff’s Deputy / State Trooper)

Total U.S. workers: 632,000
Growth projection over next 10 years: 14%
Annual salary: $30,920 – $80,750
Entry-level education: Academy training and/or college degree

Not only are patrol officers the most visible of criminal justice professionals, according to a survey published by payscale.com the occupation of patrol officer is also the most popular criminal justice career field. And while the projected growth in new patrol office just is just 14% – the average for all occupations nationwide – patrol officers are always in demand. There are always officers retiring and moving into new lines of work. Given the large number of patrol officer positions through the United States, this means law enforcement agencies are constantly hiring more officers.

Patrol Officers are the first line of defense against crime. They investigate minor crimes, patrol communities, apprehend and arrest suspects, and issue traffic citations. Even though the rank of patrol officer is an entry-level law enforcement position, it requires a substantial amount of education and training. A college degree is often preferred and all candidates are required to complete an extensive police academy training program.

2. Paralegal / Legal Assistant

Total U.S. workers: 256,000
Growth projection over next 10 years: 18%
Annual salary: $29,460 – $74,860
Entry-level education: Associate’s or bachelor’s degree

While not the most glamorous of legal professions, paralegal is one of the most popular. There are nearly 260,000 paralegals employed nationwide – and this number is growing. According to the Occupational Outlook Handbook published by the U.S. Bureau of Labor Statistics, new jobs for paralegals is projected to grow by over 18% (slightly faster than the average) over the next decade. Paralegals perform many of the same functions as attorneys although they’re paid substantially less. Consequently, law firms rely on the services provided by paralegals and a good paralegal is always in high demand. Paralegal is also a good launching pad to a career in law. Many students will pay their way through law school and gain valuable experience working as a paralegal.

As mentioned, paralegals have many of the same responsibilities as the lawyers they work for. They perform research for cases, help prepare cases and investigate claims. However, unlike lawyers, paralegals can’t practice law on their own or argue cases in court.

The median annual pay for paralegals is just under $47,000. However, salaries vary widely depending on location, employer and type of legal work performed. In many parts of the nation on average paralegals will earn anywhere from $50,000 to $60,000 a year – which a few earning even more.

3. Probation / Community Control / Correctional Teatment Specialist

Total U.S. workers: 93,200
Growth projection over next 10 years: 26%
Annual salary: $30,900 – $80,750
Entry-level education: Bachelor’s degree

Third on our list of 5 most popular criminal justice careers is probation officer, community control officer and correctional treatment specialists. While these three occupations all have similar functions within the criminal justice system, they serve slightly different purposes. As their name suggests, probation officers supervise criminals who are on probation following a jail sentence or in lieu of a jail sentence.

Correctional Treatment Specialists on the other hand focus on criminal rehabilitation. Like probation officers, correctional treatment specialists are involved with people who have been released from jail and on are probation. However, they focus almost exclusively on the design and development of rehabilitation plans which are then used by other law enforcement officers, including probation officers, to help reintegrate former convicts back into society.

4. Detective / Criminal Investigator

Total U.S. workers: 109,230
Growth projection over next 10 years: 26%
Annual salary: $39,900 – $122,990
Entry-level education: College degree

Detectives and Criminal Investigators are just a rank hirer than patrol officer. In fact, many patrol officers, after accumulating a few years of work experience, will apply for the position of detective or criminal investigator. Detectives and Criminal Investigators usually focus a specific area of detective work, such as burglary, battery and assault, domestic violence, robbery, white collar crime or forensics. Next to crime scene investigation, detective is one the most glamorized of the criminal justice careers.

Detectives are also among the better paid criminal justice professionals. Detectives just starting out make between $40,000 and $50,000 a year. Veteran detectives can make up to $120,000 a year. This job also comes with a generous retirement package. Many detectives retire after putting in 20 to 25 years of service.

5. Legal Secretary

Total U.S. workers: Approximately 260,000
Growth projection over next 10 years: 18%
Annual salary: $50,000
Entry-level education: College degree

As one would assume, legal secretaries work as secretaries in the legal field. They work primarily for law firms, attorneys and paralegals. They provide clerical assistance, prepare legal documents, motions, subpoenas and complaints. Along with paralegals, legal secretaries often perform research to support case work. While some people might not consider being a legal secretary that glamorous of a career, it’s actually quite exciting. Legal secretaries are involved in many of the same cases that attorneys are involved in but without the stress that attorneys have to deal with. They can also make a very descent living. On average, legal secretaries make around $50,000 a year. However, pay will fluctuate depending on employer (private vs. public) and region.

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Fully stocked LED lighting store with all the latest LED Products for home and business

Our LED lighting specialists can help you select the right LED products for the job, large or small from retrofitting a commercial building with LEDs to a home LED cabinet lighting project, and even LED traffic safety supplies

Why buy your LED products from us

In the LED business since 1997, our staff understands how LED products came to be. We’ve grown with the industry from the beginning and aren’t one of those ‘me too’ retailers. The first LED light bulbs we brought to the market were hand crafted in the USA. We still strive to support small US factories and offer such products here as well as mass produced product

How to choose a LED Light bulb

Every light fixture benefits from a well-chosen light bulb. Improvements over the years have made LED light bulbs a very good choice. LED bulbs offer both practical and aesthetic advantages over other light sources. They are energy efficient, long lived, and give clear, consistent light. Today’s LED A19 bulbs offer a wide 360 degree light spread with no dark spot above the plane of the LEDs

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Take the guesswork out of selecting the right product. Whether you are new to LED lighting and aren’t sure which color temperature to choose or if you are a seasoned professional with questions on new LED technology, we can help. We have the LED lighting you need and can walk you through everything from dimming options for your LED lighting to selecting under cabinet LED lights.

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Criminal Justice Careers #what #can #you #do #with #a #masters #in #criminal #justice


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Criminal Justice Careers

Pursuing a Master’s degree in Criminal Justice could open up endless career opportunities. Many individuals choose to pursue a Master’s in order to change their careers, advance in their careers, gain lifelong knowledge, or increase their salary in their current positions. No matter what your motive is, there is always room for growth and opportunity. Although you may like your current job, you may find that upon completion of a Master’s program, you will be presented with a wide array of career opportunities in the criminal justice field.

Ranging from careers in the courtroom to those alongside the president, a Master’s in Criminal Justice degree may be your stepping stone towards a career as a Central Intelligence Agency (CIA) agent or a private investigator. Below, you’ll find a number of professions that you may want to pursue. Choose one of the career titles to learn more about profession, the typical requirements to enter the profession, and the average salary.

  • ATF Agent
    ATF agents control and monitor the sale, handling and usage of alcohol, tobacco products, firearms and explosives n the United States, but they are actually employed by the U.S. Read More
  • CIA Agent
    The lives and careers of CIA agents are often glamorized in movies and novels, but the reality is that CIA agents must sacrifice a lot for their work. Read More
  • Coast Guard
    Members of the U.S. Coast Guard, also called “Coasties,” are a part of the U.S. Armed Forces, under the U.S. Department of Homeland Security. Read More
  • Compliance Officer
    Compliance officers work in a variety of fields and are responsible for making sure that the department or company that they are overseeing adheres to specific quality and ethics standards in order to protect them from scandals, lawsuits and customer complaints. Protecting the safety of the public is also a responsibility of compliance officers, as unethical behavior can diminish the quality and effectiveness of the company’s products or services. Read More
  • Computer Forensics
    A computer forensic scientist or technician is still considered a cutting edge profession in the criminal justice field. With the increase of cybercrime, cyberterrorism, identity theft, and Internet child predators, computer forensic scientists are needed to track seemingly traceless criminals. Read More
  • Corrections Officer
    Corrections officers, because of the dangerous and stressful nature of their jobs, must be quick decision makers, vigilant, calm, and authoritative. Read More
  • Crime Scene Investigator
    Crime scene investigators have gotten a lot of publicity in TV dramas like CSI, but their job description is much more specific than managing an entire case. Read More
  • Criminalist
    A criminalist, also known as a forensic scientist, is a highly trained professional that assists investigators and the criminal justice system prepare investigations, gather and analyze evidence, and convict criminals. Read More
  • Criminologist
    Criminologists study a variety of tangible and intangible factors that contribute to crime statistics, including demographics, social behavior, criminal behavior and psychology, and statistics. Read More
  • Customs Agent
    Customs agents are federally employed professionals who monitor the importation of illegal contraband like drugs and weapons. Daily activities include searching airplanes or ships, as well as individual passengers. Read More
  • DEA Agent
    DEA Special Agents are specifically trained officers dedicated to enforcing the Controlled Substances Act. Read More
  • FBI Agent
    The FBI is the federal law enforcement that protects the United States against acts of terrorism, federal crimes, civil rights infringements, corruption and violent acts of crime. Read More
  • Forensic Scientist
    Forensic science combines knowledge of the physical and natural sciences with criminal justice and the legal system. Read More
  • Forensic Psychologist
    Forensic psychology is a very specialized profession requiring many years of education and training. Read More
  • Homeland Security
    The United States Department of Homeland Security is a relatively new entity that was organized under President George W. Bush not long after the terrorist attacks at the Pentagon and World Trade Center. Read More
  • INS Agent
    Agents who work for the United States Immigration and Naturalization Service (INS) have responsibilities that range from deportation to managing international visitors to the United States to managing immigration files to working as part of a border patrol team. Read More
  • Law Enforcement
    Pursuing a career in law enforcement can take you in any number of directions, from homeland security to the police force to the correctional system to the legal and courts system. Read More
  • Police Detective
    Police detectives participate in many of the processes needed to apprehend and convict criminals, including visiting crime scenes, interviewing witnesses, interrogating suspects, managing evidence, consulting with prosecutors and criminal psychologists, and giving testimony in court. Read More
  • Police Officer
    Policer officers are entrusted with protecting the public from dangers in the community, from criminals to traffic accidents to property and domestic disputes to missing persons cases. Read More
  • Private Investigator
    Private investigators are hired by individuals to supplement the help given from a regular police force or to more subtly investigate another person’s behavior. Read More
  • Probation Officer
    Probation officers have the complicated job of managing numerous criminals and cases of individuals who were sentenced to probation and/or community service by a judge. Read More
  • Secret Service
    Special agents with the United States Secret Service are hired to protect high profile individuals and their families and to investigate financial cases like fraud and counterfeiting. Read More
  • Sheriff
    Sheriffs supervise police officers and the overall public safety plans of a county. Read More
  • US Marshal
    Federal U.S. Marshals are part of an elite law enforcement agency that specializes in protecting federal judges and federal courts, serving court documents, supervising federal elections, transporting prisoners, investigating and apprehending fugitives and more. Read More

Other careers that might interest you

  • Criminologist
    Criminologists study a variety of tangible and intangible factors that contribute to crime statistics, including demographics, social behavior, criminal behavior and psychology, and statistics.
  • Police Officer
    Policer officers are entrusted with protecting the public from dangers in the community, from criminals to traffic accidents to property and domestic disputes to missing persons cases.
  • Us Marshal
    Federal U.S. Marshals are part of an elite law enforcement agency that specializes in protecting federal judges and federal courts, serving court documents, supervising federal elections, transporting prisoners, investigating and apprehending fugitives and more.

View all career options

Popular Online Schools

  • Xavier University
    The mission of the Department of Criminal Justice is to equip Master of Science students with the competence and conscience needed
  • Colorado Technical University
    Colorado Technical University is recognized as one of the most technologically advanced online universities.

View all top schools

2017 Masters in Criminal Justice. All Rights Reserved.

Wells Fargo Auto Loan with 590 FICO – myFICO® Forums #auto #trailer


#auto refinance bad credit
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I’m new to the boards and have been reading for a couple months but this is my first time posting! I wanted to share my story:

I have been car shopping for 2 months, I have a BK chap 7 (discharged 10/11) I’ve heard stories that after a BK auto loans and credit cards are basically beating down your door, well not mine I filled out a couple of apps for store cards right after my discharge and was turned down for each one, I went to Carmax and applied for a car and was denied (I think it was due to low scores and putting no money down in my app) I then applied for Roadloans and was approved but couldn’t come up with the downpayment in time so the offer expired, when I reapplied for Roadloans, I was denied. I decided to order my credit reports in Jan thru Experian and these were the scores I was given: EX 541 / EQ 567 / TU 600, I signed up for Experian’s credit monitoring service and didn’t apply for anything for 3 months, I also disputed a lot of things that weren’t reported correctly after the BK and updated my address employer info. There were 2 addresses on my report that didn’t belong to me ever so I added a consumer statement.

With Experian you are given a statement montly and a new report every 90 days so in March when I went to refresh my report, the site wouldn’t let me, I spent hours on the phone with customer service and was told I didn’t have a credit report. say word. I was being told that when my ss number was ran, NOTHING came up. I explained that #1 I am 42years old and have used credit since I was 18 or so and that I ran my report in June 2011 before my BK and again in Jan 2012 with no issues.

When I got notices my disputes were done, I tried applying for credit again. nada, turned down for everything. Mid- April I decided to car hunt again, I went online and searched “bad credit auto loans” and ended up applying with Auto Credit Express, I dealt with Ford, I was looking for a used Jetta and they had a couple on their lot, long story short it was a horrific experience, they never kept their word and played lots of games, ultimately I was approved for 14k thru one of the subprime banks they deal with, they wanted 5k down and an APR of 25%, and my payments would have been $320 on a 2009 Ford Escape, I almost took the deal b/c I know my credit scores were low but because of some other incidents dealing with their sales people I walked away. Now to the good part-

I decided to just find VW dealer since I wanted a 2009 or above Jetta SE, I was scared to apply with VW because I thought I wouldn’t meet their credit requirements, I went down, test drove and told the salesman all of my credit woes before applying, he submitted me for a 3 year lease thru VW but I was declined, they stated I had to either have a co-signer or a significant downpayment (I told them I could do 3k but they wanted at least 6) so the salesman said he would try some of their other lenders as a purchase loan not lease, Wells Fargo approved me for 14k with 3k down, my payments are $350.76 and my APR is 16.9 %, I was floored, approved for the same amount as the Ford folks but with a better APR and less $ down. VW gave me a copy of my credit results and they were: EQ 526 / TU 517 / Experian unknown.

I want to point out that I went to a couple different dealerships and was told without at least 5-6k down they couldn’t help me, I also received denial letters from Wells Fargo (3, one from Ford, one from Hyundai and one myself applying as a consumer) this last time around I got a call from Wells to verify some info and I asked him about the 3 denials and he said he too was having issues running my credit that with Experian and TRW it came up blank, zero score, no tradelines, no nothing not even the BK. he thought maybe it was because of the disputes (I did online disputes with EQ TU but EX would not let me, I had to request report by mail and am still waiting) He also said a lot of times the approval depends on the banks relationship with certain dealers. I’m not sure what’s going on, maybe there was fraud, maybe my disputes but there is some issue with me and Experian and I can’t wait to fig it out.

I know this was long, hopefully it made sense, lastly I want to say as a last ditch effort I applied for the Capital One secured card and kept getting a letter every 2 weeks or so saying I needed to send in documents verifying my identity, I did but the letters kept coming so finally I called, 3 weeks later I got a card in the mail for an unsecured card with a $300 limit and enrolled in the credit steps program. I am not applying for any more credit for the remainder of the year, gonna keep this auto loan paid on time and my capital one and hopefully Experian gets itself together in the interim.

I hope this helped someone! Lastly, I have been on my job 18mos and have a monthly income of about $4, 000.

Tips for Getting a Loan With Bad Credit #auto #body #shops


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Getting a Loan With Bad Credit

By Justin Pritchard. Banking/Loans Expert

Justin Pritchard helps consumers navigate the world of banking.

It’s hard to get a loan with bad credit. Options are limited, and borrowing is more expensive. If your credit is less than perfect you re not completely out of luck – it s just that you ll have to work a little harder to get funded. But in your situation it s easy to fall into expensive traps, so let s review the things you can do to improve your chances.

What is Bad Credit?

If you’ve been told that your credit ruined your chances of getting a loan, make sure it’s true. There may be errors on your credit report. Once those errors are fixed, things may look very different to lenders.

The term bad credit means different things to different lenders. One lender might turn you away while others are willing to lend. Don t be afraid to shop around before deciding that your credit is a dealbreaker. That said, there are two things to be careful of in this process:

  • Submit all of your applications within a short period of time (two weeks or so) so that you don t ding up your credit with too many inquiries
  • Apply only to reputable lenders such as banks, credit unions, and P2P lenders described on this site; predatory lenders will almost always give you a loan, but you ll regret it later

If your credit is truly bad, here are a few ways to try getting a loan with bad credit.

Visit Credit Unions

Credit unions may be more willing to offer you a loan with bad credit. Because they tend to be smaller than large banks. there s a better chance that they ll look at you personally – as opposed to just looking at a credit score and the loan application.

Continue Reading Below

If you sit across the desk from a human being, you’re more likely to get a loan with bad credit .

Try Peer to Peer Lending

Peer to peer lending services are another good option for getting a loan with bad credit. Instead of borrowing from banks (with rigid rules and higher overhead costs), you can borrow from individuals. They may be more sympathetic, but they’re not looking to lose their money.

Tap Friends Family

Most peer to peer lending sites allow you to borrow from strangers. However, if your credit is really bad, your friends and family may be your only option. They know you, and may be willing to take a chance. If you borrow from friends and family, do it properly so everybody’s protected: document the loan terms on paper, and consider using a third party to process payments.

If friends and family won’t hand over their own money, they might still be able to help. If they have good credit. they can help you qualify for a loan as co-signers .

Use Collateral

If you’re having trouble getting a loan with bad credit, you may need to put up collateral. By pledging something of value, your lender knows you’re serious and has a better chance of collecting some money. If you have equity in your home, you can probably borrow against it – but there are significant risks.

Pitfalls

Some lenders take advantage of folks looking for loans with bad credit. They charge astronomical fees and make it nearly impossible to dig yourself out of debt. Study up on the following types of loans and avoid anything that looks similar:

List of the Best Schools with Forensic Science Masters Programs #forensic #science #schools #in #florida, #list #of #the #best #schools #with #forensic #science #masters #programs


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List of the Best Schools with Forensic Science Masters Programs

School Information

The top schools for graduate forensic science master’s degree programs offer students the ability to select a specialty. These schools are Marshall University and Michigan State University. Marshall stands out for its regional ranking and its opportunities for students to observe working forensic scientists. Michigan stands out for its national ranking and program offerings.

1. Marshall University in Huntington, West Virginia

School Highlight: Students can pursue on-site internships in forensic DNA analysis, digital forensics and forensic chemistry.

Marshall University was ranked 39th among regional universities in the South by U.S. News and World Report in 2014. The benefits of attending Marshall University for earning a master’s in forensic science include its location next to the federal DNA laboratory and students’ ability to work with the lab’s forensic scientists. Additionally, small class sizes and courses make the school’s Master of Science in Forensic Science a top choice. The program can be completed in two years and has concentrations in digital forensics, crime scene investigation, forensic chemistry and DNA analysis.

2. Michigan State University in East Lansing

School Highlight: In 2009, U.S. News World Report ranked MSU #7 on its list of schools offering criminology programs.

Ranked 85th on U.S. News and World Report ‘s 2014 list of best national universities and #7 on its 2009 list of best criminology programs, Michigan State University offers a Master of Science in Forensic Science with concentration options in forensic chemistry, forensic biology and forensic anthropology. The department works closely with the university’s criminal justice school, providing forensic science students a chance to learn how crime labs are run. This 2-year program helps graduates gain an understanding of the investigative, scientific and legal aspects of the field.

Find schools that offer these popular programs

  • Corrections Admin
  • Corrections, Probation, and Parole
  • Criminal Justice and Safety Studies
  • Criminal Science
  • Forensic Science
  • Juvenile Corrections
  • Law Enforcement Administration
  • Police Science and Law Enforcement
  • Securities Services Mgmt
  • Security and Theft Prevention Services

Top Forensic Science Schools

A career in forensic science requires a bachelor’s degree at a minimum. Learn about education, job responsibilities, areas of.

Forensic science specialists require significant formal education. Learn about the degree programs, job duties and requirements.

Read about forensic science programs, through which students learn how to analyze physical evidence from crime scenes and.

A Master of Science in Forensic Medicine is generally a degree that prepares students to analyze medical evidence for court.

Refinance Car Loan with Bad Credit – Valley Auto Loans #cheap #cars


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Auto Refinance Benefits

Page Contents

An auto refinance can be a great choice if you need to lower your car payments, put some cash in your pocket, or get a lower interest rate. Valley Auto Loans specializes in bad credit auto financing and widely known as one of the top auto refinancing companies in the United States. Your goal with any auto refinance should be to get lower payments and improve your credit score without the risk of further damage to your credit history. We want you to make an informed decision about the car refinance offers you may need while trying to provide the best rates for auto refinancing.

We will explain how to refinance a car loan in four easy steps.

  1. Review the benefits you are looking for and know the best time to get a bad credit refinance auto loan.
  2. Get your updated credit score and estimate your payments and compare interest rates.
  3. Choose the best company to refinance car loan with bad credit, apply online and meet the minimum requirements .
  4. Review your loan offer and gather the required information for the best loan for your situation.

We offer you the ability to apply on-line to refinance your auto loan with no application fee or obligation. Valley Auto Loans is one of the best car refinancing companies, even for those with a bad credit history. We can help with your refinance, help find a great rate for your unique situation and skip a payment in the process.

We can also answer many questions you have about refinancing your car loan as well as many other topics about auto financing with bad credit. You may also want to check out our regularly updated blog posts from industry experts. We offer FAQs and other resources to help you with decisions about your next vehicle refinance or finances in general. If you have any new car buying questions, you should see our new car buying guide .

Pilot® SC-275G – Gray Seat Cushion with Lumbar Support #auto #wheels


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Product Details

Learn everything you want to know about this product

to make an informed purchase.

Universal Gray Seat Cushion with Lumbar Support (SC-275G) by Pilot®, 23″H x 23″W x 2.5″L. Pilot offers a full selection of seat cushion cover with a special thermal foam pads to provide maximum comfort and protection. Made from strong, sturdy fabrics, for a more snug, wrinkle-free fit.

Features:

  • Provides a orthopedic and comfort
  • Contains one seat cushion
  • Elastic strap keeps cushion in place
  • Durable and breathable
  • Designed to fit most high and low-backed bucket seats

When the time has come to add a little more style and functionality to your vehicle, Pilot has you covered. To satisfy every need of every car enthusiasts out there, the company offers the widest range of top-quality accessories and parts, ranging from the impenetrable car covers to the eye-catching chrome accessories and everything in between. Grilles, wipers, exhaust tips, floor mats and fuel pumps are just a few examples of what Pilot has in store for you.

Whatever vehicle you drive, you can count on Pilot to deliver the highest quality, the best-performing, and the most innovative products out there. Every single accessory and part created by Pilot is precision-engineered using advanced equipment and then meticulously crafted to stringent quality standards. It’s all because the company’s goal is not to meet your expectations but to consistently exceed them. And for you to be sure that the Pilot’s team stands behind the products in every way, the company backs ever product by a 1-year warranty.

Wang’s International began as a small, niche supplier of automotive accessories to the traditional Accessory Market. Pilot Automotive was created in 1996 to support the growing DIY Market. Both sides of the company are designed to specialize and maximize the different types of support required for different types of markets. In the beginning, the warehouse and offices actually occupied the same room and they had one employee. Today, they have grown to five distribution centers, more than 100 Pilot team members, and are one of the largest automotive and truck accessory suppliers.

Lees Discount Auto Body – Quality auto body repair you can trust. (303) 451-5536 Over 40 years experience in the Metro Colorado area. Great work, excellent price, we also work with most insurance companies. #auto #body #supplies


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Home

Welcome to Lee s Discount Auto Body

We are a small minority owned business with over 46 years of experience in the collision repair industry; we know how to get the job done quickly, and at an affordable rate. We have been at this location for over 16 years, and over the years we have done work for, and worked with all the insurance companies, but as times change we are now considered to small to be a direct repair facility for these same insurances.

It is Colorado law that everyone has the right to choose their own repair facility, and our work and name is recognized and approved by all insurance companies for anyone who chooses to use our shop for their repairs. In case of a major collision where the vehicle is not road worthy just call or have it towed here and we we will do everything necessary to restore your vehicle to it s original condition, and have it back to you as soon as possible. Or once an estimate is written by a representative of your insurance or theirs, you have the right to bring it here.

Fastest Turnaround on all major repairs.

Performance Testing with JMeter – Second Edition #performance #testing #with #jmeter


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Performance Testing with JMeter – Second Edition

Performance Testing with JMeter – Second Edition

What You Will Learn

  • Set up and prepare Apache JMeter for testing
  • Record test scenarios or create them from scratch
  • Test RESTful web services
  • Effectively monitor resources during performance tests
  • Build realistic, comprehensive, and maintainable test plans
  • Understand distributed testing using Vagrant, AWS, Flood.io, and BlazeMeter
  • Extend JMeter functionality through plugins
  • Understand and effectively use JMeter components to achieve testing needs

Authors

Bayo Erinle

Bayo Erinle is an author and senior software engineer with over 11 years of experience in designing, developing, testing, and architecting software. He has worked in various spectrums of the IT field, including government, commercial, finance, and health care. As a result, he has been involved in the planning, development, implementation, integration, and testing of numerous applications, including multi-tiered, standalone, distributed, and cloud-based applications. He is passionate about programming, performance, scalability, and all things technical. He is always intrigued by new technology and enjoys learning new things.

He currently resides in Maryland, US, and when he is not hacking away at some new technology, he enjoys spending time with his wife, Nimota, and their three children, Mayowa, Durotimi, and Fisayo.

He also authored Performance Testing with JMeter 2.9 (first edition and second edition) and JMeter Cookbook, both by Packt Publishing.

Table of Contents

We understand your time is important. Uniquely amongst the major publishers, we seek to develop and publish the broadest range of learning and information products on each technology. Every Packt product delivers a specific learning pathway, broadly defined by the Series type. This structured approach enables you to select the pathway which best suits your knowledge level, learning style and task objectives.

Learning

As a new user, these step-by-step tutorial guides will give you all the practical skills necessary to become competent and efficient.

Beginner’s Guide

Friendly, informal tutorials that provide a practical introduction using examples, activities, and challenges.

Essentials

Fast paced, concentrated introductions showing the quickest way to put the tool to work in the real world.

Cookbook

A collection of practical self-contained recipes that all users of the technology will find useful for building more powerful and reliable systems.

Blueprints

Guides you through the most common types of project you’ll encounter, giving you end-to-end guidance on how to build your specific solution quickly and reliably.

Mastering

Take your skills to the next level with advanced tutorials that will give you confidence to master the tool’s most powerful features.

Starting

Accessible to readers adopting the topic, these titles get you into the tool or technology so that you can become an effective user.

How to refinance a car loan with poor credit with easy access to online rates #obrien #auto #park


#bad credit auto refinance
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How to refinance a car loan with poor credit with easy access to online rates

The how to refinance a car loan with poor credit can ease the burden of millions of Americans across the country. Plenty of car owners and car drivers have had little chance to get financial relief because of their bad credit woes. The great strides in software technology have improved the internet use for services of all kinds. This has brought about a radical change in the viewpoint of businesses towards credit challenged consumers. The auto finance industry has been no exception to this rule. Well off citizens cornered by the economic recession had no way to seek reliable financial relief from their debt burdens.

Refinance Your Car Loan Even with Poor Credit and Lower Your Monthly Payment to Save on Your Finance! Guaranteed Approval within 15 Minutes, So Apply Here Now

The best company to refinance auto loan with bad credit can be found simple and quick with a little online research. The credit challenged consumers can easily access special auto loan refinance rates and terms meant for bad credit borrowers. The online digital database platforms are updated regularly with the real competitive rates to help car owners and car drivers find their affordable prices. With the increase in online competitive rates, auto refinance car loans seem to be the one method for credit challenged consumers to lower their debt burdens. Many banks and credit unions, as well as lenders have advertisements for lower interest rates.

The consumers refinancing a car loan with bad credit will find the online process easier than ever before. The online competitive rates are configured for less than perfect credit borrowers looking for auto refinance car loans. Most of the auto refinance service providers have introduced the listing of refinance rates for bad credit consumers in their online database. The credit challenged consumers looking for auto refinance for an existing new or used auto loan have to look on further than the online service provider s database. Here, plenty of autos refinance companies of national repute offer real time competitive rates. The borrowers from the general public can get in touch with the lenders and dealers willing to work with consumers having poor credit.

The best company to refinance auto loan with bad credit provide instant access to real time competitive rates published daily. The online digital database platforms are designed to provide the maximum of benefits to users free of charge. The consumers with less than perfect credit across the country can use this in their efforts to explore auto refinance rates. The online real time programming of auto refinance rates reduce consumer efforts and speeds up the process from application to approval. There are still majority of auto finance companies that refuse to auto refinance with lower interest rates for credit challenged consumers.

The process of refinancing a car loan with bad credit has been dealt with effectively by many online lenders specialized in bad credit auto loans. The borrowers with credit challenged issues and vehicles with higher than acceptable mileage pose a challenge to many conventional or prime lenders. The online auto finance companies, lenders and dealers dealing in auto refinance car loans for bad credit are of special help in such situations.

How to Get Classic Auto Loans with Bad Credit. #bill #of #sale #auto


#poor credit auto loans
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How to Get Classic Auto Loans with Bad Credit

Whether this is your first classic auto loan or if you ve had one before, you know how difficult it can be to find a lender. The loan money is out there somewhere because the need is there. You have added concern if you have a negative credit report that makes finding a classic car auto loan even more difficult. Don t give up hope because these economic times make almost anything possible.

There are lenders for classic auto loans with bad credit just as there are lenders for brand new car loans or used car loans with bad credit. Anyone with bad credit will have to pay more for the dream of owning a classic car by paying a much higher interest rate.

The Internet is a good place to start looking for a lender who will loan you the money for a classic car. If you ve found the classic car that you want to purchase, you will need the details such as the make, model, year, condition and price. You can then find a broker online who specializes in classic car auto loans with bad credit and fill out the application. The broker will then send your application to his network of lenders who will contact you if they feel you may be a good candidate for a bad credit loan.

Most lenders will loan you up to 90% of the money you need to purchase the classic car, but you need to only borrow what you can comfortably repay and be prepared to make a generous down payment. A good down payment will give a lender a better outlook on your application for a classic car auto loan. Most exotic auto loans must be repaid within 2 to 7 years.

The convenience of applying online for classic auto loans through a broker makes it an ideal way to find interested lenders without the hassle of applying to each one individually. There are no costs involved in applying. Your short application will allow a broker to find and compare the best rates available and will match you to lenders who want your business. You will have the flexibility of choosing the best classic auto loans with bad credit without facing rejection.

Your dream of purchasing a classic car as an investment is made possible through lenders who wish to make classic auto loans with bad credit available to people like you who can repay the loan with interest. Just be completely honest when you apply for a loan and you should have not problems.

Guaranteed car loan people with bad credit and no money down for credit challenged consumers applicants #auto #parts #catalog


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Guaranteed car loan people with bad credit and no money down for credit challenged consumers applicants

We Provides detailed information related to bad credit auto loans with no down payment, auto loan with bad credit history, bad credit car loans with no money down, car loans with no credit check, used car loan for bad credit, bad credit car loan financing, cheap car loan interest rates, guaranteed auto financing bad credit,unemployed people, student auto loans no cosigner, car loan rate comparisons and other car details.

The guaranteed auto loans bad credit no money down are a great way to get car finance approved online. The online lenders, auto finance companies and financial institutions specialized in working with credit challenged consumers approve their applicants simple and quick. The online complete car loans are a most popular source of lending and borrowing for car finance. The applicants find the short online process from application to approval rewarding no matter what their present credit history is. The auto finance companies, lenders and dealers are now offering simplified auto finance car loans which can be termed as zero money down to borrowers with poor credit history.

Apply Here To Get Bad Credit No Money Down Auto Loans For Low Income Families! Guaranteed Approval within 10 minutes

The car loans for people with bad credit and no money down provide much needed zero down auto finance with bad credit. The potential car buyers across the country making at least $ 350 a week are approved simple and quick. The online car buyers can simply submit an online application form which is secure and can be completed within a couple of minutes at the most. The online digital database platforms offer simple online application form which makes the process from application to approval easy for applicants to follow. The credit challenged consumers for auto finance car loans can easily apply using the secure online application form.

The bad credit auto loans with no down payment pave the financial way to buy a new good safe and reliable car. The applicant s completed online application form is matched with complete auto finance car loans with lenders in their local areas to get them approved. The bad credit auto loans with no down payment can be approved for anywhere between $ 7000 and $ 35000. As is the usual and normal practice in the auto finance industry, applicants are advised to check their latest credit scores while filling out their auto finance car loans online application form.

The car loans for people with bad credit and no money down from complete auto finance car loans to use online companies. These companies provide online free tools to credit check. The free credit scores tool helps borrowers to become aware of their real time credit status. In addition to this, it can also help them pinpoint errors on their credit reports which affect the interest rates offered by new lenders and dealers on their new or used vehicle. The applicants of complete auto finance car loans can save hundreds of thousands of dollars in interest fees with this easy to used online credit check tool.

The bad credit auto loans with no down payment online car loans can help potential car buyers with easy approval. The potential car buyers can read up on the five most looked for traits in any car dealerships which make for a good car buyers experience. The complete auto finance car loans offering lenders and dealers are dedicated to help their customers national repute vehicle car finance. Borrowers across the country have praised their quality, loans services along with various online tools.

Rehabilitation Frame of Reference – Title Rehabilitation FOR Developers No specific developer Origin #with #reference #to #time #rehabilitation #is


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Rehabilitation Frame of Reference – Title Rehabilitation.

Title: Rehabilitation FOR Developers: No specific developer. Origin: to restore individual functioning of persons with physical or mental disabilities or chronic illness to achieve maximum performance in daily activities Population: All groups can benefit from this FOR. Theoretical Foundations: – The basis of the model is from medical, physical, and social sciences: o Medical: understand the influence of pathological processes on an individual s ability to function in ADLs and IADLs. o Physical: understand the biomechanics of movement, design or select assistive devices that promote function, and modify an environment to help an individual with a disability function more effectively o Social: contributes important knowledge about how individuals and societies respond t chronic illness and disability – Change theory Concepts, Postulates and Assumptions: – Concepts o Rehabilitative interventions: Adaptive/Compensatory strategies Modifications of physical/social environments o Impairment: problem in body function or structure i.e. significant deviation

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Get Affordable Car Insurance with No Down Payment #auto #export


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Get Affordable Car Insurance with No Down Payment

Having car insurance is as important as having a driver’s license, and essential to being able to drive on America’s roads. Not only does it protect you, it also protects your passengers and people in the other cars. Without car insurance, you cannot legally drive on public roads and the penalties for doing so are not worth the risk. Car insurance, like a driver’s license, proves that not only are you competent enough to drive a car, but also that your car is protected in case of an accident. With the advent of no down payment policies, drivers are better able to afford what they need.

Levels of Coverage

Some cheap car insurance policies offer better coverage for the money, but you need to search around and do research to find those. Insurance is never going to be exceptionally cheap, and if you find a company that offers a very low price, be sure to check out their rating and reputation before you buy a policy from them.

What Affordable Car Insurance Covers

That all depends on your pocket. Low income families will struggle to pay for the basic state minimum if they have very little expendable income, and those who are better off will be able to pay for more. It is all relative to what each consumer considers as affordable, and that will differ between households. The minimum will cover repairs in the event of an accident, but only to the party deemed non-responsible.

If you only have liability coverage and you cause an accident, your own repairs are not paid for. If you did not cause the accident, the other party must pay for your repairs. It will also cover medical expenses for those injured in the accident, and any other property which was damaged as a result.

Get Free Car Insurance Quotes

How to Get Affordable Auto Insurance with Bad Credit

You can find companies that offer auto insurance with no credit check or that specialize in bad credit car insurance. This is much easier than getting a car loan with bad credit, as your credit history is not the main factor that goes into determining your insurance premiums. Your driving history, type of car, and location also play important roles. Your insurance company must tell you that they will access your credit information, and in many cases must ask your permission first.

Check with Your Employer

Many companies offer discounted automobile insurance for their employees, by getting a group rate from the insurance carrier. This can save you a great deal of money. If your company doesn’t offer this type of automobile insurance, suggest it so that you can enjoy the savings of a group rate on your automobile insurance.

Check the Legal Minimum

Each state has its own legal minimum car insurance you must have. This tends to be the least expensive insurance, but only covers liability for third parties. Rates for this type of insurance are low, because there is little chance you have to make a claim, so the insurance company does not pay out money often.

Ask about Discounts

Companies provide discounts on insurance rates, but you need to ask about them. Many times, if you get an insurance package such as home insurance, car insurance, and life insurance from the same company, you get a reduced price. If you only drive your car sparingly, you may be eligible for a low mileage discount. If you have a students on your policy, they can receive reduced rates for getting good grades. Make sure you ask about all possible discounts.

Work to Improve Credit

As you work towards improving your credit, you should see about getting your policy updated, or changing your policy, as you should get better rates than before. You are entitled to a credit report free of charge once a year, and you should keep your eye on this. You should see changes in your insurance as your score improves.

Get Free Car Insurance Quotes

Related Questions and Answers

Will they Check My Credit Score When Getting a Low Down Payment Car Insurance Plan?

When getting a low down payment car insurance policy, expect to have your credit rating checked. All of the major insurance companies will pull a credit report before they write an insurance policy. A credit report gives them a feel for how well you pay your bills on time. It helps them assign a risk factor to your policy and set a premium. While there are companies out there that will advertise no credit checks, many of them can be a bit shady. Expect a higher premium and more restrictions on the coverage. Thoroughly check out the company before signing anything.

In most cases, a no money down car insurance policy should not cost extra. If you are dealing with a major insurance company, the premium should be roughly the same regardless of a down payment. Car insurance is a competitive business and insurers are always looking for ways to entice customers to switch insurance companies. One way of doing that is to offer no down payment policies. If on the other hand you are dealing with an insurance company that is not a well known name, it is possible that the premiums will be higher. Many of these types of companies serve customers that have poor credit ratings, and poor credit ratings lead to higher premiums.

Financing with Car Loan Companies #dallas #auto #auction


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Quality Car Loan Company Advice

Car buyers nationwide are looking for a quality financing companies for cars that utilize various auto loan programs. We understand that people deal with many different credit situations that require the assistance from a special auto loan company in order to be guaranteed a car.

Individuals with credit problems can have a better chance of getting a loan when they are using an auto financing company that specializes in bad credit loans.

  • What to Expect from Car Dealerships that Finance Anyone
    People with poor credit or financial problems can easily find car dealerships that finance anyone, but there are benefits and disadvantages to this service.
  • How Auto Finance Centers Offer Car Loans
    The use of an auto finance center can prove to offer the best loan options for people with any credit type.
  • Should You Apply for Auto Loans with Independent Dealers?
    Often time getting an auto loan means using a great car finance company like independent dealers, who provide great rates and vehicle deals.
  • What are the Best Auto Loan Companies?

    Finding a good car loan company can easily be the key to landing an auto loan at a great price, but which lenders should you use?

Other Finance Companies and Dealerships

A major part of being one the top auto financing companies is knowing how to provide affordable loans to people with poor credit scores. Some car buyers feel that there is only one place to go for loan approval with bad credit car financing. but that is not the case. Most car buyers have the option to use lenders such as:

  • Online Lending Companies
  • Bad Credit Auto Lenders
  • Banks and Credit Unions
  • Buy Here Pay Here Dealers

Any of the lending institutes are fully capable of helping consumers with purchasing a new or used automobile. The only thing that you have to do is determine which lender can meet your needs the best.

Applying with Online Car Loan Lenders

There are several online loan companies that feature a car loan financing program that provides a simplified lending method to those who need quick car financing. For example, AutoNetFinancial.com is a financing corporation website that offers consumers flexibility to get loan approval at any time. We also take the work out of finding a dealership to finalize the loan process as soon as you complete our online application.

So whether you’re using your desktop computer or mobile device, you can easily get online and complete an application no matter where you are. Simply apply online today and our finance specialist will locate the perfect nearby car lot with a good inventory of vehicles, and get you approved for a car loan in no time at all.

Subprime Auto Finance Companies

For consumers with very poor credit ratings it is often difficult to qualify for vehicle financing with traditional lender. However, there are companies that offer special auto finance loans for people that can be used when applying for financing. These types of lenders are more capable of helping individuals that are involved in:

  • Bankruptcy
  • Low Income Down Payments
  • No Credit Scores
  • Subprime Credit History
  • Refinancing

By going with this type of lending service you can get a better chance to get approved for auto loans with any credit situation.

Vehicle Financing with Banks and Credit Unions

Banks and credit unions are one of the most conventional finance companies that car buyers tend to seek out due their financial expertise. These types of lenders are not always known for working with people that credit issues. However, there are rare cases in which banks work with loans for people with bad credit are possible, as well as poor credit lending opportunities with credit unions.

Remember, this is just one of several quality finance lenders, and AutoNet Financial is able to guarantee you car loan with any credit score that you can afford. We also offer customers an easier payment schedule that is not weekly or bi-weekly. Most importantly, we report your payments to credit bureaus so that you can repair your credit as well.

Features New Auto Loan Refinance With Bad Credit Solutions Program – NEW YORK, March 5, 2014 #auto #start


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ValleyAutoLoan.com Features New Auto Loan Refinance With Bad Credit Solutions Program http://valleyautoloan.com/ has recently developed a database of auto loans with bad credit solutions geared toward helping consumers. Buyers can finance any vehicle by utilizing the listing of companies that will provide the lower loan rates.

NEW YORK. March 5, 2014 /PRNewswire-iReach/ — Finding automotive vehicle loans at lower rates for refinancing can often be a challenge. The people at Valley Auto Loans have recently developed a database to assist owners with bad credit in their efforts to locate companies that will finance them at rates lower than the standard rate. The program and information can be found at: http://valleyautoloan.com/bad-credit-auto-refinance/ .

By providing consumers with a simple way to secure auto financing, Valley Auto Loans has taken a major step to assist owners with a convenient way to finance a new or used vehicle or to refinance the car they currently have. The database has businesses that range from local companies to providers on a regional level. This variety and number of refinance companies available in the database gives the buyer the best chance at obtaining the most favorable refinance rates .

Sincehigh risk drivers and those with bad credit face a greater challenge of finding auto refinancing due to low credit scores, driving infractions and poor driving history, the database is a welcome resource for bringing the two groups together in one convenient location.

The companies in the database include loan providers and loan servicing companies. Rates typically may be lower when they come directly from the loan provider. The online database makes the process of researching and comparing the rates simpler and easier for consumers by eliminating the need to contact each company directly to obtain their loan rates.

Having multiple companies to compare and choose from gives the customer more options. Customers are less likely to get stuck with higher refinancing loan rates when they have multiple listings from which to select. The traditional method of calling each company individually was challenging and many consumers often accepted the rate that they received from the first company they called which might not have been the lowest available. Many customers wouldn’t take the time to contact more than one company.

With a major revision of their website this year and the addition of several new finance lenders, Valley Auto Loans has streamlined the refinancing experience for those with bad credit that are seeking lower interest rates.

About Valley Auto Loans

Valley Auto Loans is the leading auto and cars finance provider in USA fully dedicated to help its customers acquire national car and auto financing. They design and develop customized no credit auto and car financing, bad and good credit auto and car loans. Voted the best for “Quality Customer Service; Best National Auto Loans Service” by thousands of people, their finance experts focus in providing its customers information and various tools available for different auto loan offers, help them to choose the best that fits their budget as well as the related eligibility guidelines in detail.

News distributed by PR Newswire iReach: https://ireach.prnewswire.com

SOURCE Valley Auto Loans

Dollar Car Rental Guide – Book with us & get discounts! #orileys #auto


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Dollar Car Rental Guide

Everything you need to know about Dollar car rental United States.

  • Phone Dollar

Local: 1-800-800-3665

International: 1-800-800-6000

About Dollar

Dollar Rent A Car was founded in 1965 in Los Angeles.

Today, the Rental Car company has more then 260 rental car locations throughout the United States. Dollar also has more than 400 car rental locations in 26 other countries including Australia, Canada, the Caribbean and Latin America.

Dollar Rent A Car is built on the idea of exceptional customer service. Their attention to the customer and their fleet of fine quality Chrysler rental cars and car hire products, is complemented by business travel and vacation planning services available at most Rental Car locations.

Their special rental cars offers and low everyday rates help to your travel plans within your budget. Their Dollar EXPRESS car rental program will can get you in and on to your destination in a flash.

Let VroomVroomVroom help you find the car for you!

Do-It-Yourself Auto Repairs With the Help of YouTube #auto #warranty #companies


#do it yourself auto repair
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YouTube Helps with Car Repairs

YouTube is helping some do-it-yourself-ers save thousands of dollars with car repairs. (Published Friday, Oct. 28, 2011)

Patrick Chambers, of Corinth, said he has fixed up his vehicles for years with the help of YouTube.

I replaced my own brakes, he said. It would normally be a $2,000 job. I spent just $700 on parts.

Self-Serve Shop Lets You Do Your Own Car Repairs

MyBay Automotive in Denton rents repair bays and equipment to car owners who want to repair their own vehicles. (Published Monday, May 16, 2011)

Chambers is an experienced do-it-yourself-er, but he also encourages first-timers to give it a try.

I have saved thousands of dollars, he said.

He’s watched hundreds of videos applicable to various repair jobs.

They’re pretty generic, he said. They take one car and tell you what you can look for in other cars.

Chambers is a fan of the website EricTheCarGuy .

His website also ties into his YouTube videos, so not only can I search his website for his forum info but also his videos, he said.

Chambers used online information on an Acura to change the gear shift in his Volvo XC90 sport utility vehicle. Rather than buying the part at a local dealer, he also saved money ordering the Volvo gear shift online.

The part cost $131, and the dealer quoted me $212, he said.

It took Chambers about 45 minutes to get his Volvo gear shift changed.

I easily have saved $400 to $500 on this repair doing it myself, he said.

David Hettena is another repair enthusiast and YouTube fan.

YouTube is great, because unlike looking at pictures in a book, you can actually see how someone takes something apart, he said.

I can save a tremendous amount of money, said Hettena, who has been doing his own repairs for years. Instead of paying. $100 for full synthetic oil, I can get it done for $40 or $30. Air filter changes cost me $5 in five minutes.

Hettena also uses online car forums, which can be found by Googling for a car’s make and model. He found the step-by-step instructions for his Lexus’ oil change by doing that.

It can really make you an expert just by doing a little bit of research, he said.

Jessica Konderla had never watched a YouTube tutorial on car repairs but was willing to give it a try.

It doesn’t seem that difficult, said Konderla, whose father is a mechanic and the shop manager at Rick and Ray’s Auto Plaza in Fort Worth.

With her dad sitting next to her, she watched a YouTube video on how to change a car battery and successfully replaced her corroded battery with a new one.

But changing her headlight bulb after watching a how-to video wasn’t nearly as easy.

It was harder than it looked, definitely, said Konderla, who didn’t get that job done.

I like the experiment, said her father, Ray Konderla. But it showed [that] sometimes, it looks easier than it turns out to be.

He said many jobs are simply too tough for people to watch a video on and then perform on their own car.

Ray Konderla said he has clients who watch YouTube to learn how to do their own car repairs.

One of my friends fixed his own brake rotors, he said. Of course, I was upset, because he didn’t bring it to me, but it saved him some money.

But even shops will reference videos when they get a repair problem they’ve never seen before.

The videos can be a great guide, he said.

Related Coverage:

Daihatsu explores the future of play with two Kopen concepts #used #car #sites


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More Photos

Perhaps most playful of all are a pair of Kopen concepts that would seem to foreshadow an upcoming replacement for the Daihatsu Copen kei car. The Kopen is a very stylish looking little convertible, angular in a way that arguably makes its small form even cuter than before. The big party trick for both the new concepts is that they have swappable body panels for the last word in personalization, sort of like the original Smart car concept. You can see the panels being removed in the gallery above.

The first version of the concept, Kopen Rmz, is seen above in blue. Rmz would be aimed at car buyers that are looking for a more refined and stylish mini-convertible, and the concept boasts a high-quality interior “using only the best materials.”

The second take on Daihatsu’s espoused “New Fun+ open-top sports car with new feel” formula, is the green Kopen Xmz (meant to be pronounced “cross-m-z”). This slightly butched-up Kopen has sections of black body cladding to add a bit of aggression, as well as stripped-down interior.

Scroll down to find Daihatsu’s brief press release. and be sure to take some time with both of our Kopen Concept galleries.

Show full PR text

Daihatsu to exhibit the Kopen, Deca Deca and more at the Tokyo Motor Show

Daihatsu Motor Co. Ltd. (Daihatsu) will be exhibiting at the 43rd Tokyo Motor Show, which will be open to the public at Tokyo Big Sight from Friday, November 22 to Sunday, December 1. As well as premiering four new show cars (three models) for the first time anywhere in the world, Daihatsu will also be exhibiting one car scheduled for release (one model), seven production cars and various other technologies.

Based on the overall theme of this year’s Tokyo Motor Show “Compete! And shape a new future.” Daihatsu will be playing to its strengths by showcasing the fun and the wide range of possibilities that mini vehicles offer, under the banner, “PLAY Tomorrow! Exploring the further possibilities of mini vehicles.” It will be exhibiting cars and technologies that capture the near future, paving the way for a better life and a brighter tomorrow for people all over the world.

As well as offering improved performance as an open-top sports car, the Kopen in particular is a car that offers new value in a different form. The outer body panels made from resin can be exchanged like a cover, and drivers can enjoy different designs based on a single framework. Daihatsu will be showcasing two of these designs at the motor show, one with a “Stylish Emotional” exterior and the other with “Tough Aggressive” styling.

The Deca Deca, meanwhile, proposes a new category of vehicles called “super space”. Combining a commanding view from the front seats on a par with a van with a large interior utility space, it was developed for energetic young people and families who enjoy outdoor pursuits during the weekend, and also for active seniors.

The FC Deco Deck on the other hand has been developed as a zero-emission next generation mobility vehicle. Equipped with a unique precious metal-free liquid fuel cell system developed by Daihatsu, it falls within standards for mini vehicles. Daihatsu will also be exhibiting two types of generators based on the same fuel cell system: FC-Dock 20C and the FC-Dock 5C. These are technologies that will open up new possibilities for the energy society of the future, offering security and freedom.

Daihatsu will also be showcasing the Tanto Welcome Seat, a welfare vehicle scheduled for release based on the new Tanto, which was launched in October this year.

Show Cars

1. Kopen

(1) Kopen future included Rmz

(2) Kopen future included Xmz (cross-m-z)

Based on the concept of a “New Fun+ open-top sports car with a new feel”, the Kopen is a lightweight open-top sports car with an entirely new form. Featuring body panel designs that can be removed and replaced like a cover, it offers drivers a new way of enjoying their car. It also offers an improved drive thanks to its framework and structure. The result is the ultimate new experience; a car that is both a pleasure to drive and own.

Rmz and Xmz: Two proposals

* Rmz design features

– Unique “Stylish Emotional” styling

– High quality interior using only the best materials

Compare Auto Transport Quotes with the Auto Transport Calculator #buy #auto #parts #online


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Compare Auto Transport Quotes with the Auto Transport Calculator

Continue

American Auto Move s Rate Comparison Tool is designed to help you find the best price for a quote. You don t need to get a quote from American Auto Move to use it; just enter your pick up and drop off destinations, check the appropriate options, fill in the name and price offered by any company, and find out what your best options are!

What s the Purpose of the Rate Comparison Tool?

The Rate Comparison Tool was designed to help you separate the wheat from the chaff. It compares bids from other companies to the standard rate. You enter where your car is being shipped to and how much other companies are offering, and the Rate Comparison Tool lets you know if that rate is valid.

What Do You Mean by Valid?

Contrary to what some believe, there is a standard rate to ship a car. You calculate that rate by taking the distance between your pick up and destination locations, and multiplying that number by .32 (as the standard rate for shipping is currently $0.32/mile.) By validating the price for you, the Rate Comparison Tool allows you to root out prices are too low to move your car, or prices that are higher than they need to be. This means that you can make your decision based on the things that matter, like the prospective track record of a company.

Do I Have to Enter the Names of the Companies I m Comparing?

No, you don t. The Competitor Name Field is there simply to help you keep track of which companies are offering valid quotes and which aren t.

Can I Get a Quote From American Auto Move While Comparing Other Quotes?

Sure. All you have to do is keep the box checked above the submit quote button, fill out a few more fields, and receive an instant auto transport quote right away!

Are These Rates Accurate?

While the rates produced by the Rate Comparison Tool are generally accurate, prices may vary due to real-world circumstances. Thus, it is necessary that you confirm your price with a representative in the event that given car transport rates are not accurate.

Bankrate Auto Loan Calculator at Auto Loan With Bad Credit #local #car #dealerships


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Bankrate Auto Loan Calculator

How To Get A Auto Loan & Used Car Loans For Bad Credit With Law Interest Rate

By Get a Auto Loan. A how to tutorial about get a auto loan, used car loan, bad credit car loans, Finance with step by step guide from Get a Auto Loan.

Having a bad credit history could be a real impediment to the particular application for financing. For example, if you re thinking of buying a car shortly to find an auto loan cheap agreement, it s harder for those with unwanted credit. Does this mean that they cannot get approval for an auto loan for those with low credit score?

The great thing is that it is possible to Get A Auto Loan even in poor credit. In fact many finance companies as well as some reputable car dealers offer Car Loan Financing for people who are credit challenged. In fact, through research and the right preparation, you will be able to find the financing you need.

Consider The Following Tips:

Verify your report and clarify the errors. Mistakes in your credit score will be pull down your score, but you can have this adjusted by submitting instructions to the agency that issued its report. Upon receiving your letter the agency will conduct an investigation that will require 30 days.

If the argument applied, the errors will be eliminated or corrected and the agency will send a current copy of your report. This step can immediately increase your credit score is bad so it is recommended that you review your report at least two months before applying for a car loan or any type of credit.

Find lenders who specialize in Used Car Loans with bad credit. As first mentioned in this post, there are lenders who are willing to expand car finance customers with bad credit. However, because not all lending companies accept people with imperfect credit, you have to spend some time researching.

The interactive online world is a marvelous tool for find Bad Credit Car Loans lenders. Therefore, do not intend to do a lot of calls or visit the location of each creditor for consultation. You can read the comments online or take a look at a comparison website for car financing trust. After reduction your choices, you can check out the website of the future loan company and request a quote free auto loan.

Stop multiple auto loan applications from. Do not submit multiple applications for loans to companies at the same time. This will probably be bad for your credit, because each inquiry created by a lender can pull down a couple of points from his score. Investigating potential lenders your credit report has the ability to view all applications sent to others. A lender may feel doubts about its true purpose and may reject the application.

Negotiating to purchase a better deal. Even if you have bad credit, you still have to be treated fairly and with dignity. Quotations can Get A Car Loan not just estimates, the offer precise. You may still be able to obtain approval for a lower rate if you apply.

Knows a prospective lender personal and explain the circumstances that lead to bad credit. If these circumstances are beyond their control, the lender is more likely that you give particular considered to whether there have been positive steps to improve your credit history.

Original article published on PubArticles.com

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Auto loan rates are down for buyers with bad credit #auto #loan #calculator


#auto loan bad credit
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Auto loan rates are down, and financing is easier to get for buyers with bad credit

By: Bill Visnic, June 13th 2011

It was tough for buyers with less-than-perfect credit to get an auto loan during the recession.

Even after the recession ended, many economists and auto-industry analysts said credit requirements stayed too strict for too long, dampening many borrowers’ ability to buy a new car or truck.

But prospects are improving for subprime borrowers – it’s not only getting easier to get a car loan but to qualify for a better interest rate, too.

Credit data expert Experian Automotive says that sharply declining repossession rates in the first part of 2011 are giving lenders confidence that auto-loan defaults, spurred by the recession, are leveling out.

In the first quarter this year, 30-day delinquencies were down almost 8%, said Experian, and the total balance of auto-loan delinquencies was down $2.3 billion compared with the same period in 2010.

That, as well as a big effort on the part of car companies such as General Motors and Chrysler to expand the availability of subprime loans from their “in-house” lending units, means it’s getting significantly easier for those with nonprime credit (score of 620 to 679) and subprime credit (score of 550 to 619) to obtain an auto loan.

That’s one of the reasons that a dealership’s finance manager can often offer the best deals on bad-credit car loans.

Lending to auto buyers with nonprime scores was up 7.8% in the first quarter, and subprime loans increased by 8.5%, Experian says.

Even more helpful, the average credit score for all auto loans was down a significant 10 points to 766 – not far from the average loan score of 753 just before the recession.

Meanwhile, interest rates for nonprime and subprime auto loans also are declining.

In the first quarter last year, the average annual percentage rate (APR) for subprime auto loans was 10.8%.

This year, the APR on subprime loans was down to 10.38%. Nonprime auto loan rates dropped almost a full point, from 7.57% in 2010 to 6.76% this year.

Click here to compare the best auto loan rates from dozens of lenders.

Our use our auto loan calculator to see what the monthly payments would be for any interest rate and deal.

Experian summarized by saying that “credit continues to loosen” on auto loans and average credit scores needed to qualify for loans at all credit-rating levels continues to decrease.

The auto loan rates for subprime buyers that had reached nosebleed heights during the recession are starting to return to more acceptable levels that make monthly payments more manageable for buyers with less-than-perfect credit.

This is true of financing terms for both new and used vehicles.

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5 Car Transport Carriers with the Highest User Reviews. #cars #for #sale #by #owner


#reliable auto transport
#

5 Car Transport Carriers with the Highest User Reviews

When the need arises to have a vehicle transported from one area to another, car transport carriers are usually the primary choice. A car can be a highly valued commodity, and great care must be taken when handling other people s vehicles. Car transporters and brokers can be a major benefit in the professional carrying of your pride and joy. Finding a reliable and caring company is important, so choosing the right one requires some investigation. User reviews are a good way to judge just how good a company is and whether it puts the customer first.

1 Magic Carpet Auto Transport (WA)

Magic Carpet received the highest commendations for the last two years, according to Transport Reviews. As Magic Carpet is a car transport broker, they have a huge database they can access to find local transport companies that can pick your vehicle up from any chosen location and take it to wherever you want it to go. They also offer a price guarantee, where they will match any cheaper offer you find. Magic Carpet pride themselves on their high level of customer service and communication.

AmeriFreight is another one of the top rated car transport companies in the USA. User reviews suggest that the whole process is made as smooth as possible by the professionalism of AmeriFreight, and customers had nothing but the highest praise for their services. Also offering a price match guarantee, AmeriFreight will carry your precious cargo from point A to B without a hitch.

With Cascade Vehicle Shipping. your vehicle doesn t have to be in Washington State for them to be able to ship it. Cascade testimonials record customer verdicts as amazing in every respect and completely reliable. They, like, many other brokers offer a fully guaranteed service, upon which you pay for your vehicle once it has reached its destination and you are fully satisfied with the results.

Domestic Auto Transport. based in Portland, Oregon offers shipping within other US territories as well as inland services. They are so sure that their service will be highly recommended that they offer a $50 rebate for customer reviews and recommendations. They offer a door-to-door service as well as terminal services. Customer reviews on their website and other review sites have testified that Domestic Auto Transport are friendly, reliable and prompt.

M2Reevers Car Shipping offers an express pick-up service which will guarantee that your vehicle will be collected from you within forty eight business hours (not including Sundays). The extra rate is $250.00. M2Reeves claim to be the cheapest, and testimonials certainly corroborate these claims. Average shipping length is around 350 miles per day and all reviews claimed that shipping was handled professionally, courteously and promptly. Any minor hiccups were addressed immediately and satisfactorily without problems. Nationwide service offered and door to door pick up where possible.

Buy Here Pay Here. Auto Dealers with Buy #loan #calculator #auto


#used car lot
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Helping people with bad credit problems get the auto financing they need!

Get Approved for Dealer Financing Online Today!

Buy a Used Car Today with BHPH or Lease to Own

Bad Credit Car Leasing Options

We are a buy here pay here service that also offers bad credit leasing options. Whether you just aren’t sure what you’re looking for in a car, or you want to have the ability to change your mind, leasing may be right for you and, your low credit score shouldn’t inhibit your ability to choose.

We have already helped thousands of drivers get approved for bad credit leasing. and we can work with you no matter what your credit situation looks like. Whether you have unpaid medical bills, late credit card bills, charge-offs, a repossession, foreclosure or bankruptcy on your credit report, we can get you back on the road. We can even put you behind the wheel if you have little or no credit.

Buy Here Pay Here Dealerships

Top BHPH Dealers

Buy Here Pay Here lots are geared for customers who are not able to get approved for a conventional car loan. By using one of our buy here pay here dealerships you’ll be able to find in house financing and drive away in your buy here pay here vehicle today.

In addition, most of our used car lots also have lease to own cars and the nation’s best subprime auto lenders as well as traditional bank financing. The fact is that local car lots offer used car financing options for people with really damaged credit than any one else.

This website and our USA network of car dealers help people with damaged credit get back behind the wheel of a new used vehicle. Thousands of people across the USA have used our service to buy and finance reliable, affordable, used cars. If you’ve been turned down for a loan because you have bad credit, or no credit you’ve found the right website. Apply for car dealer financing today, and you will be buying a used car tomorrow.

Check Car Value and Valuations with HPI on the App Store #auto #invoice #prices


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Simple Car Valuations

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Want to know if you’re being charged a fair price for a used car or just curious what a vehicle you’ve spotted would cost? Enter the registration number and seconds later you’ll know what it’s worth. You can search by model, age and mileage. Serious about buying a car, but worries about it’s history, do a HISTORY CHECK and be sure!

UNLIMITED CAR VALUATIONS ( Included )

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Get the value of a car instantly, whether your buying a used car of selling one, this is a great app you can take with you. All prices all updated regularly based on market conditions, standard car depreciation by car model and car manufacturer and UK resale price of over 200,000 cars.

– Search by Car UK NUMBERPLATE

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– Keep History of Car Number plates searched with date and time

– Manual Search for new and used car value

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– Buy History Check ( Optional Extra ) Make sure before you buy!

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Check car value by number plate or search car value by car manufacturer, car model and car year. Using this app you will know the dealership car price, Good condition car price, Average condition car price, Poor condition car price as well as the car value of part exchange.

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Fisher Auto Parts Continues Expansion with New Warehouse Complex #auto #tradder


#fisher auto parts
#

Fisher Auto Parts Continues Expansion with New Warehouse Complex

Fisher Auto Parts in Staunton will expand into its new warehouse complex.

The facility has a 259,000 sq. ft. ground floor and an 80,000 sq. ft. mezzanine.

Once it is redeveloped, the site located on Morris Mill Road will serve as the new Virginia warehouse complex for Fisher Auto Parts while the company’s corporate offices will expand and remain on Greenville Ave.

“We wish to sincerely thank the City of Staunton and Economic Director Bill Hamilton for professionally analyzing our expansion goals, suggesting available locations and then working with us on the purchase and redevelopment of the Morris Mill Road site,” said Bo Fisher, CEO of Fisher Auto Parts. “Fisher and Federated have long been privileged to be a part of the Staunton community and we greatly appreciate the efforts of the City of Staunton to help us make this warehouse facility a reality.”

The new Fisher Auto Parts warehouse complex will be modernized with environmentally-friendly improvements such as energy efficient lighting and material handling equipment.

The new warehouse complex will be operational in late 2011.

“Fisher Auto Parts has seen substantial growth in the past several years in excess of 20 percent annually and we continue to explore additional options to expand,” continued Fisher. “This new warehouse complex gives us the ability to better serve our existing store locations as well as new store openings planned in central and eastern Virginia and any acquisitions that may arise. In addition, the opening of the new site will bring new employment opportunities to the local area.”

As part of its expansion plans, Fisher recently received Staunton City Council approval for expansion of its Statler Crossing facility, the current site of the Fisher Auto Parts store and the Federated Auto Parts’ National Distribution Warehouse.

How do I Repair Auto Upholstery? (with pictures) – mobile wiseGEEK #canadian #tire #auto #parts


#auto upholstery repair
#

wiseGEEK: How do I Repair Auto Upholstery?

Repairing auto upholstery can be somewhat complicated, and as such you’ll need a careful approach to get good results. The first thing you’ll want to do is identify what sort of material you’re working with. Upholstery in most cars is made of synthetic fabric blends, but vinyl. leather, and microfiber are also common, and each requires a slightly different approach. Next you should try to get a sense of how bad the damage is. Small rips and tears need different treatment than stains or burns, for instance, and knowing exactly what you’re dealing with will help you identify the right products to buy and will also guide your repair plan. In some cases, though, it may make the most sense to get professional help. Not all auto upholstery problems can be fixed without specialized equipment and tools that you probably won’t be able to find on your own, and professionals are often able to make repairs so effectively that your car may feel like new.

Identify Your Material

Assess the Damage

Most prepared kits are designed to fix all sorts of damage, but getting started is always easiest when you know both where the blemish is and, if possible, what caused it. You wouldn’t want to use a product designed to treat burned leather on a fabric seat with a stain, for instance, since this could actually make the problem worse. You should usually try to get the area as clean as possible before beginning, which may require dusting, vacuuming, or lightly washing the affected area. This is important so that you don’t get dust or other debris into the repair, which can alter the results or make treatment less effective.

Rips and Tears

Repairing upholstery tears usually requires a heavy duty needle and thread that is about the same color as the surrounding material. These are commonly found in repair kits, but can sometimes be bought on their own at auto supply or some fabric stores, too. It’s usually best to sew the torn area with a simple “X” pattern, effectively closing the gash. With leather and vinyl, you may also want to spread an upholstery gel over the stitching when you’re finished to seal it into place.

Depending on how big the damaged area is, you may also want to use patches. Some kits come with a selection of colored patches along with a clear adhesive, or if you happen to have swatches of your exact material these will work well, too. The object is to cut the patch to fit into the rip or tear without making the rip any larger. Once fitted into position, apply a strong adhesive like leather glue to the underside of the tear and the top of the patch. Use a small weight to press the two materials together, creating a strong bond between the patch and the upholstery, then let it dry for usually about 24 hours.

Burns

Small burn holes in upholstery like those caused by cigarettes usually require a sealant rather than stitching, but this often depends on the size of the hole and how much of the material has been impacted. When the burn is in a woven fabric blend, the process may involve little more than sealing the hole with a specialized sealing gel that is tinted, either by you or by the manufacturer, to match the predominant color in the upholstery. Leather may require a bit of treatment around the edges to prevent the charred material from flaking or spreading. In either case, start by filling the hole with the gel and then smooth the surface with a small, blunt tool like a tongue depressor. Most kits include a variety of gels and tools that can be useful. Once the gel hardens, it adheres to upholstery and basically disguises the damage.

Staining and Discoloration

If staining or discoloration is your problem, you may want to start with a simple soap and water solution to see how much of the damage you can lift off on your own. This tends to work best with stains that are fresh, but a mild soap may help dislodge even really old spills. Next, you’ll want to look for a specially formulated auto shampoo. These come in many kits and are also for sale at hardware shops and car repair dealers, and are usually more effective than anything you could make at home when it comes to gently lifting stains without damaging the surrounding material.

Specific instructions vary from product to product, but the process usually involves a series of lathers and rinses, and towel drying is usually preferred. Depending on what caused the discoloration and how long it’s been sitting on the material, you may not be able to lift it all out on your own. If the stain seems really stubborn it’s usually a better idea to get professional help, since continuing to scrub even with the appropriate soaps and products can actually cause more harm.

Getting a Professional Opinion

While it is possible to repair auto upholstery so that the damage does not spread and is less noticeable, in most cases it isn’t possible to fully restore the original look of the material on your own. Auto upholstery repair shops can evaluate the damage and can often make repairs that are superior to what you can accomplish. They are also well suited to reupholster individual seats or sections if the damage is extensive. If you aren’t sure how to proceed or aren’t getting the results you want with a home repair kit, it may be worth asking around and getting estimates with professionals.

How To Cheaply Repair Auto Window Glass With Used Junkyard Parts #auto #body #tools


#used auto glass
#

How To Cheaply Repair Auto Window Glass With Used Junkyard Parts

A few years ago I had the misfortune of living in the ghetto inner city of Baltimore. I had no choice – that was where the geniuses at the state of Maryland chose to locate their state run graduate schools. Why they chose to place the school building in a dangerous area surrounded by homeless people and drug hangouts still baffles me. The city is saturated with a population comprised of drug addicts, violent thugs, and opportunistic car thieves.

Along with two other roommates, I lived in a quaint row house near the law school in an area primarily occupied by students. Here, I thought my roommates and I would be safely shielded from the neighboring slums and criminal activity. I was wrong. Within the span of two years, a classmate friend of mine was robbed in person and a neighbor who lived across from our row house had her home burglarized (canned food was stolen, of all things). Furthermore, both of my roommates’ street parked cars were broken into. My old red Toyota Corolla survived the criminal onslaught valiantly for while, but it too finally succumbed to the inevitable break in.

I usually parked my car along the street where our row house was located. One day I came home from class only to discover that the small rear side window panel on the passenger end had been smashed to pieces. Auto glass shards were strewn across the back seat, but nothing was taken. Everyone in Baltimore City knows that you must never leave any personal property visibly sitting in your parked car that may attract thieves. Even a pack of coke or a few pencils become priority targets for the passing drug addict. I thought I had been abiding by the rule pretty well until then. I had even adopted the practice of emptying out my glove compartment and leaving it wide open to advertise the fact that it was empty. Of course this didn’t deter Baltimore City’s finest. As an older Toyota model, my car wasn’t equipped with an audible car alarm, making it an attractive break in-target – and now my car had just become another city statistic. After grumbling and sighing out loud at my misfortune, I filed a pointless police report and then set out to get the auto window glass pane fixed. Since my Geico auto insurance didn’t cover glass breakage, I’d have to find my own way to fix it cheaply.

Save Money By Repairing Your Car With Pried-Off Used Car Parts Found At Your Local Auto Junkyard

Since my car was an old hand-me-down from my parents, I had little incentive to spend a lot of money on parts or labor to get the window fixed. I tried patching it up temporarily with clear packaging tape, but that just made it look even worse. It certainly didn’t impress the girl I was dating at the time. Finally I decided the busted window had to be replaced. But rather than going to an auto parts or auto glass store and paying $200 to get the small glass pane repaired, I decided to pursue the frugal route – by visiting a local auto junkyard to locate the parts myself.

A friend recommended a local junkyard in the Baltimore, Maryland region so I decided to give it a try. Interestingly enough, the name of the auto landfill was called “Crazy Ray’s “. Calling itself an auto parts garden rather than a junkyard didn’t make the place any prettier. The place was a huge outdoor dirt and gravel lot filled with stacks and rows of beat up vehicles. I guess this is where old and abandoned cars came to die. Many of the cars and trucks were old and rusted, while others were relatively new but dented and wrecked due to obvious involvement in traffic accidents and fender benders. It was kind of eerie to see some brand new vehicles in the stockpile all mangled up, and knowing that someone used to drive that car.

If you drive an old vehicle and want to be cheap or frugal like me, an auto junkyard is the perfect place to get your used auto parts because you can usually find what you need for much less. These auto junkyards are essentially do-it-yourself lots where you salvage whatever components you want from the wreckages and later pay for whatever items you take. The cars are only lightly categorized and sorted by model into basic domestic or foreign piles. Because wrecked vehicles are not always efficiently logged as they are towed in, they usually can’t really tell you where to find your vehicle model – only a general direction of where they may be. They don’t have a steady stock of inventory as it is constantly rotating depending on what vehicle selections they haul in. Returns and refunds for used parts are usually not allowed.

So after I paid my $1 entrance fee, I walked into the huge outdoor scrap yard to begin my auto part hunting adventure. A large sign at the front entrance humorously reminded me that all removed nuts and bolts must be paid for upon exit – “No jacking allowed!”

For those of you thinking of taking the junkyard approach, I recommend that you wear clothing and shoes you wouldn’t mind getting dirty in. You are likely to get some mud and grease on your hands and clothing. You should also bring along hand tools like a hammer, screwdriver, and crowbar, since you’ll need them to pry your desired part off your target vehicle. Walking around, I noticed I wasn’t alone as there were plenty of other people walking around, pulling old engines and metal plates from vehicles. After walking and searching, I finally came upon a Toyota Corolla that matched my model series. I examined the window glass. While a few glass panes were cracked, the one I wanted was still in excellent condition. I immediately went to work – using my crowbar and screwdriver to pry the glass plate and rubber frame from the car window. I’m not sure how I managed to do that without breaking or scratching the glass, but I managed to get it off in one piece. After much sweat and manual effort, I trekked back to the front entrance and paid the fee for the used auto part.

Examining How Much I Saved By Using Junkyard Parts

A brand new glass pane component for my car window would have cost me $100-$150. At the junkyard I only paid $18 for the used car window pane. Some car enthusiasts know how to install the glass pane themselves. Since I’m no car expert, I chose to pay another car repair shop $30 for installation labor. All in all I spent $48 to fix the window. If I had gone to an auto glass repair shop, parts and labor would have cost me $200 or more. Of course, the cost savings adds up even more if you’re talking about replacing multiple components such as a light covers or hubcaps. At the end of the day, I went home quite pleased at my cost savings. Not a bad frugal solution to patch up an old beat-up wreck.

This entry was posted on 3/28/08 (Modified on 3/8/11) and is filed under Frugal Living. Shopping. Tech. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response .

Online Auctions Site with Live Auctioneers – Bidding #orielly #auto


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  • Sample Car Lease Agreement with Explanations #autos #for #sale #by #owner


    #auto lease
    #

    Sample Car Lease Agreement with Explanations

    As part of the Consumer Leasing Act, the Federal government has required leasing companies to disclose important information before you sign the lease.

    Although the law goes a long way in protecting consumers, the biggest weakness is that it does not require disclosure of the actual Money Factor (interest rate). Instead, it just lists the total amount of interest you will pay over the life of the lease.

    The following is the standard form used when leasing a car. Scroll over the numbers to see an explanation for each section. (Use our Leasing Glossary for any terms you’re not familiar with)

    My Recommendation for Car Shoppers

    TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you – and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.

    What to Do About Auto Loans for People with Very Bad Credit #auto #part #stores


    #auto loans for people with bad credit
    #

    Do Car Loans for Very Bad Credit Scores Exist?

    While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

    They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

    In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

    Real Bad Credit Car Loans – Why They’re Better

    Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

    What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

    1. $15.00 in origination fee plus
    2. $2500.00 in interest charges

    This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

    Very Poor Credit Auto Financing

    A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

    • At least a 36 month repayment term, repayable in installments;
    • No personal check mechanism or other unfair collateral. Your car is the collateral.
    • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

    If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

    If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

    Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

    Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

    We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.

    What Is The Best Company To Refinance A Car Loan With Bad Credit History Bad credit no money down used car loans 2014. #affordable #auto #insurance


    #auto refinance bad credit
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    What Is The Best Company To Refinance A Car Loan With Bad Credit History

    There are many questions people usually ask on refinancing a car loan with bad credit: I want to refinance my car loan but my credit is worse than when I bought it? Can I Refinancing a car Loan with bad credit? I want to refinance my car loan but I have really bad credit any suggestion on where to get a loan? How can I refinance my car loan with very bad credit?

    It is possible to refinance the loan you have taken on your car. It is not necessary that you will be happy with the existing loan you have taken. After obtaining the loan, you may learn that there are better options, and the good news is that by refinancing the car loan you can benefit greatly.

    Look out for companies offering a lower rate of interest:

    Those interested in obtaining a better rate of interest will always be on the look out for finance companies that provide a better rate of interest on the car loans. If you are looking forward towards saving money on the interest you can compare the present rates of interest with the rates provided by other finance companies. You may find that other companies do provide lower rates as compared to the one you already have. Getting lower monthly payments can surely help to save more funds and the worries regarding paying that extra money every month will be lessened.

    For refinancing the auto loan you have to first understand how that loan differs from the loan that you are presently having. Switching over to another auto loan as per carloan.com is not a difficult process. One need not worry much about changing over to another auto loan. Once you switch over to the other loan you will feel glad you thought about the change. When you change over you will find that the new lender pays off for your old loan on the car. The monthly payments will be made through a new car dealer or lender and the title of the loan will required to be transferred to the other name. First of all you need to understand that you have to look out for the best process available to refinance your vehicle.

    Check out for new loan lenders or dealers online:

    Nowadays, a number of websites are available that offer loans that can be refinanced. By doing window shopping you find that there are many possibilities of finding new car dealership to refinance the car loan. Different lenders provide different rates of interest. By comparing the refinancing rates of the cars, it will be much easier for you to select the most appropriate loan. Once you select the desired lender, then you should be in a position to immediately provide all your financial details to the new lender. Qualifying for the refinanced loan is most essential, after which the rest of the transactions will automatically take place.

    Details about your assets, your annual income, the debt load, as well as your credit rating all have to be presented to the lender. Once the loan is approved by the lender then there are a few charges that have to be paid to the lender. Re-registration fees as well as other fees like the holder fees have to be paid to the lender after which the deal is closed by both the parties. Now your existing car loan is replaced by the new loan which requires the title to be transferred in the name of the new lender. Changes in the economic situation of the country can cause depression in the economy which results in less credit at the disposal of the people. But whatever the situation, owning a car is always a dream to be fulfilled at some point or the other in life.

    Sell My Car with Confidence – The Car Buying Service #roseville #auto #mall


    #sell a car
    #

    Sell my car with confidence

    A bit about us and what we stand for

    Isn’t it about time there was an easier, safer and more reliable way to sell your car – one that’s honest, transparent and trustworthy, every step of the way? Well, that’s where we come in.

    Thinking “how do I sell my car”? Well, at The Car Buying Service, we’re not the biggest, so we really want to be the best. That’s why we decided to do a great deal more for our customers. For one thing our prices are guaranteed, so the price you see online is the price you get. There are no hidden admin fees, or payment charges. And we have friendly local drop-off centres you can trust. (To make life easier for you, we’ve even partnered with Asda and set up drop-off centres in many Asda car parks around your area.)

    When you’re ready, enter your registration number and we’ll give you a free, instant, online valuation for your car. Then book an appointment at one of our drop off centres and sell my car with confidence.

    Before we even came up with our name, we took the time to ask people their thoughts on selling a car. Unsurprisingly, we found that most people said, “I just want to be able to sell my car with confidence, for a fair and guaranteed price”. That was it. So that’s what we offer. Simple.

    We never make assumptions when it comes to providing you with a valuation to sell your car. Our unique online valuation process allows you to tell us about your car in a quick and simple way. If your car has damage you have the option to select the category that best describes your car. The more information you tell us the more accurate the valuation will be. And remember, we pay more for optional extras.

    If you decide to sell your car with us you can book an appointment online to visit your local drop-off centre. At this appointment you’ll meet one of our certified Handover Executives, giving all our customers peace of mind when selling their car. Remember, there’s never any pressure on you to sell your car. You’re always in control and you’re always free to go away and consider your options at any point.

    If you’re still not convinced who to sell my car to, take a look at our customer reviews compiled by the independent review website Feefo. Hopefully these should help put your mind at rest. And remember, if you have any questions at all, feel free to get in touch on 01924 581960.

    Refinancing a Mortgage With Bad Credit #military #auto #sales


    #refinance auto loan with bad credit
    #

    Refinancing a Mortgage With Bad Credit

    June 1, 2013

    /refinancing-a-mortgage-with-bad-credit-3440 Bad Credit 1170 Refinance Articles Mortgage Loan

    So you’re looking to refinance your mortgage but you’ve got bad credit. What can you do?

    First of all, don’t panic. Although banks have tightened up their lending standards in recent years, it is still possible to refinance your mortgage even with a blot on your credit history. That’s the good news.

    The bad news is that getting a refinance or other home loan gets progressively more expensive the lower your credit score is. So the question may not be whether you can refinance your mortgage, but if you can do so on terms that make it worthwhile.

    How much will you have to pay?

    Depending on how poor your credit is, you may not be able to get a rate as low as you had hoped. A borrower with a credit score of 620 can expect to pay a rate about 1.5 percentage points higher than a borrower with perfect credit on the same loan, assuming the bank will approve them in the first place.

    A higher, but still-blemished score of around 680 may mean that you’ll pay only about half a percent more than a borrower with a “perfect” score of 760 or more. Bear in mind, however, that other factors, such as the amount of home equity you have, will affect your rate as well.

    Borrowers with a credit score below 600 will generally have a tough time refinancing. There may be a few lenders that will approve them, but they can expect to pay a rate considerably higher than other homeowners.

    If your poor credit rating is due to a serious mortgage delinquency (a missed payment more than 90 days late), you likely won’t be able to refinance. A loan modification may be a more realistic option. Contact your mortgage servicer (the company you send your mortgage payments to) to inquire about options.

    However, if your poor credit is due to lesser factors, such as an occasional late car payment or high levels of credit card debt. and you’re currently paying a high rate on your mortgage, you may still be able to refinance even if you don’t qualify for the lowest rates available.

    Should you refinance?

    Even if you can’t qualify for the lowest mortgage rates, it may still be worthwhile to refinance if you’re currently paying an unusually high rate. The general rule of thumb is you want to be able to reduce your rate by a full percentage point to make refinancing worthwhile, though a smaller reduction can work if you plan to be in the home a long time.

    It also makes sense to refinance if you have an ARM that’s about to reset to a higher rate or require a balloon payment. Because interest rates are currently low, it isn’t likely that a regular ARM will reset to a significantly higher rate right now. But if you have an interest-only or option-ARM, you could end up with dramatically higher payments if you don’t refinance.

    Get rates from multiple lenders

    The key to refinancing with bad credit – or any time you’re looking for a mortgage, in fact – is to shop around. Different lenders and brokers cater to different parts of the market, and some of them specialize in loans to people with weak credit. And it doesn’t cost anything to shop around.

    Obtain your credit score (more on that below) and contact 6-10 lenders and see what sort of terms they offer. Include several mortgage brokers in your list – brokers don’t actually make loans themselves, but work with a variety of lenders to find the best rate and mortgage terms for you. It may take some digging to find them, because their web sites and advertising can be very similar to those of actual lenders.

    Brokers are useful because they know which lenders are willing to work with bad credit borrowers. It’s true that they get paid a small slice of every mortgage they help originate, but because lenders offer them discounted terms, it usually evens out in the end for the borrower.

    It won’t hurt your credit score to shop around with a bunch of different lenders. Credit reporting agencies recognize that people may inquire at multiple lenders when shopping for a loan and don’t mark down scores for multiple credit inquiries if they occur in a short period of time, say a month or two.

    Fixing your credit score

    If you’ve got bad credit, the best way to qualify for a mortgage is to try to improve it. There are two ways to do that: by improving your credit record and correcting any errors there may be in your credit reports.

    The quickest way is to correct any errors in your credit reports. By law, you’re entitled to a free copy of your credit report each year from each of the three major credit reporting agencies – Experian. Equifax and Transunion. You can order them through the official web site, http://www.myfico.com.

    Once you have your credit reports, check them for any errors regarding your payment history on the credit accounts listed. If you find one, contact the credit agency that produced the report to inform them of the error. Be prepared to show the report is in error by submitting copies of your own payment records.

    To improve your credit history, the main thing is to make a habit of paying your bills on time. However, many people are surprised to learn that they can improve their score dramatically within 30 days simply by paying off high- balance credit cards.

    If your balance exceeds 25 percent of your credit limit on any card, it’s going to hurt your credit score. If you have savings or other resources you can draw on to pay down revolving debts, it might make sense to do so if refinancing would provide a significant economic benefit for you.

    About your FICO score

    While you’re checking your credit reports, you might want to go ahead and obtain your FICO credit score from at least one credit reporting agency. Note that while you’re entitled to obtain a free copy of your credit report every year, you normally have to pay to obtain your actual FICO credit score. You can get your Transunion or Equifax score for $20; Experian does not provide FICO scores directly.

    You can sometimes get a “free” FICO score by subscribing to a credit reporting service, but since you’re paying for that, it isn’t really free. The credit reporting agencies will often include a credit score with your free credit report, but be aware that won’t be a FICO score, which is the one mortgage lenders typically use.

    The nice thing about having your actual FICO credit score (though it may vary somewhat among the three agencies) is that it lets you know just where you stand in terms of credit. That way, you have a better idea of what your chances are of refinancing, what sort of rate you may have to pay, or how much you need to improve your score to get a better rate.

    Reach for the Keys with an Auto Loan of Your Choice #buying #a #used #car


    #refinance auto loan rates
    #

    Auto Loans

      2015-11-28T06:43CST bvseo_cps, prod_bvrr, vn_cps_3.1.6 cp_1, bvpage1 co_hasreviews, tv_0, tr_350 loc_en_US, sid_AL_Family, PRD, sort_relevancy clientName_applefcu
      bvseo_sdk, net_sdk, 2.2.0.2 getAggregateRating, method:CLOUD, 62ms REVIEWS, PRODUCT

    Easy Application Process. Quick Decisions. One Great Experience.

    Imagine loving your payments as much as you love your new car. It’s possible with our great rates and flexible terms.

    Features:
    • Up to 115% financing available
    • Flexible terms up to 84 months
    • No hidden costs or early payoff penalties
    • Guaranteed Savings with our FREE Car Buying Service
    • On-site Apple financing available at Partner Dealerships
    • Easy, online payments in NetBranch Online Banking
    • Apply in a branch, over the phone or online.

    Get Pre-approved

    Simplify the car buying process and shop like a “cash buyer” with a same-as-cash Apple Auto Loan Check. This helps you focus on the actual selling price of the car, rather than keeping track of the interest rate, down payment, loan term and trade-in. Plus, because you know exactly how much you can spend, you won’t feel pressured into buying outside of your budget. Apply now to get started.

    How to Speed Up Your Loan Approval

    Save trips to the branch, limit the need for follow-up and get a faster response to your application request. Gather and provide the following documents when you apply for your Auto Loan:

    • Driver’s License, U.S. Military or other state-issued photo identification
    • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)
    • Auto Insurance Declaration Page
      • The auto insurance declaration page is a summary of your auto insurance policy. Declaration pages are issued upon the inception, renewal or revision of a policy and must be submitted to any lienholders.

    When you’re ready to buy, we’re here to help!

    Ask a Question about our New Auto Loan

    Imagine loving your payments as much as you love your new car. It’s possible with our great rates and flexible terms.

    Features:
    • Up to 115% financing available
    • Flexible terms up to 84 months
    • No hidden costs or early payoff penalties
    • Guaranteed Savings with our FREE Car Buying Service
    • On-site Apple financing available at Partner Dealerships
    • Easy, online payments in NetBranch Online Banking
    • Apply in a branch, over the phone or online.

    Get Pre-approved

    Simplify the car buying process and shop like a “cash buyer” with a same-as-cash Apple Auto Loan Check. This helps you focus on the actual selling price of the car, rather than keeping track of the interest rate, down payment, loan term and trade-in. Plus, because you know exactly how much you can spend, you won’t feel pressured into buying outside of your budget. Apply now to get started.

    How to Speed Up Your Loan Approval

    Save trips to the branch, limit the need for follow-up and get a faster response to your application request. Gather and provide the following documents when you apply for your Auto Loan:

    • Driver’s License, U.S. Military or other state-issued photo identification
    • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)
    • Auto Insurance Declaration Page
      • The auto insurance declaration page is a summary of your auto insurance policy. Declaration pages are issued upon the inception, renewal or revision of a policy and must be submitted to any lienholders.

    Apple does not finance used vehicles older than seven (7) model years old.

    Ask a Question about our Used Auto Loan

    Do you have an auto loan with another financial institution? See if Apple can lower your monthly payments!

    Features:
    • Up to 115% financing available
    • Flexible terms up to 72 months
    • Vehicles up to 7 model years old are eligible
    • No hidden costs or early payoff penalties
    • Easy, online payments in NetBranch Online Banking
    • Apply in a branch, over the phone or online.

    How to Speed Up Your Loan Approval

    Save trips to the branch, limit the need for follow-up and get a faster response to your application request. Gather and provide the following documents when you apply for your Auto Loan:

    • Driver’s License, U.S. Military or other state-issued photo identification
    • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)
    • Auto Insurance Declaration Page
      • The auto insurance declaration page is a summary of your auto insurance policy. Declaration pages are issued upon the inception, renewal or revision of a policy and must be submitted to any lienholders.
    • Current Lienholder name and payoff address
    • 10-day payoff amount
    • VIN and other vehicle information, including mileage and features.

    When you’re ready to refinance, we’re here to help!

    Pilot® SC-275G – Gray Seat Cushion with Lumbar Support #street #side #auto


    #auto seat cushions
    #

    Product Details

    Learn everything you want to know about this product

    to make an informed purchase.

    Universal Gray Seat Cushion with Lumbar Support (SC-275G) by Pilot®, 23″H x 23″W x 2.5″L. Pilot offers a full selection of seat cushion cover with a special thermal foam pads to provide maximum comfort and protection. Made from strong, sturdy fabrics, for a more snug, wrinkle-free fit.

    Features:

    • Provides a orthopedic and comfort
    • Contains one seat cushion
    • Elastic strap keeps cushion in place
    • Durable and breathable
    • Designed to fit most high and low-backed bucket seats

    When the time has come to add a little more style and functionality to your vehicle, Pilot has you covered. To satisfy every need of every car enthusiasts out there, the company offers the widest range of top-quality accessories and parts, ranging from the impenetrable car covers to the eye-catching chrome accessories and everything in between. Grilles, wipers, exhaust tips, floor mats and fuel pumps are just a few examples of what Pilot has in store for you.

    Whatever vehicle you drive, you can count on Pilot to deliver the highest quality, the best-performing, and the most innovative products out there. Every single accessory and part created by Pilot is precision-engineered using advanced equipment and then meticulously crafted to stringent quality standards. It’s all because the company’s goal is not to meet your expectations but to consistently exceed them. And for you to be sure that the Pilot’s team stands behind the products in every way, the company backs ever product by a 1-year warranty.

    Wang’s International began as a small, niche supplier of automotive accessories to the traditional Accessory Market. Pilot Automotive was created in 1996 to support the growing DIY Market. Both sides of the company are designed to specialize and maximize the different types of support required for different types of markets. In the beginning, the warehouse and offices actually occupied the same room and they had one employee. Today, they have grown to five distribution centers, more than 100 Pilot team members, and are one of the largest automotive and truck accessory suppliers.

    Personal Loans For People With Bad Credit – ® #auto #finance #rates


    #auto loans for people with bad credit
    #

    Bad Credit Personal Loans

    Bad credit can happen to good people, and sometimes there is absolutely nothing that you can do about it. There are a lot of people that let the words “Bad Credit” get them down. Don t be one of these people. They are just words and everyone deserves a second chance to rebuild their financial future.

    If you have bad credit, it may not even be your fault. There are countless ways that other people can ruin your credit for you. It is sad, but true. The only thing that you can do is try to repair your credit, and that is where Personal-Loans.com comes in. We know and understand that bad credit can happen to good people, and that is just one of the many reasons that we are here to help people just like you.

    There are several lenders out there who specialize in offering loans to help people with bad credit. The problem is that most people with bad credit don t know how to find these loans so they just give up and end up living the rest of their lives with bad credit. This is yet another reason that Personal-Loans.com is here to help. No one should have to live their lives with bad credit. Credit can be repaired, and the only way to repair credit is by establishing new credit.

    How can Personal-Loans.com help people with bad credit?

    Finding lenders that will actually provide loans to people with bad credit is a difficult task. It can take days or weeks to locate them. Personal-Loans.com has done extensive research, and found all of the lenders that specialize in helping people with bad credit by offering what they are calling, “Bad Credit Personal Loans.” There is a solution to every problem. You just need to know where to look. We have made it easy for you to secure a bad credit personal loan with almost no effort on your part.

    Part of the problem that comes with bad credit is dealing with rejection. There is only so much rejection that a person can take. It can be frustrating and embarrassing sitting face to face with a loan officer and telling them all of your personal financial details. It gets even worse when they tell you that you have been declined. With our services none of this ever happens.

    All you need to do is fill out one simple, secure application. We will compare your application against our large database of lenders that specialize in bad credit personal loans. You will not have to look anyone in the face. There is no complicated paper work to fill out, and you will not have to fax a bunch of information. Within a few short minutes, you could secure the personal loan that you need to help you rebuild your financial future. Bad credit is not the end of the world, but it will not fix itself. You are going to have to do something about it, and establishing new loans is one of the easiest ways to repair your credit.

    Our Guide To The Philadelphia Auto Show, Which Returns With Cool Cars, Special Events, Test Drives And More, January 31-February 8 #auto #electric


    #philly auto show
    #

    Our Guide To The Philadelphia Auto Show, Which Returns With Cool Cars, Special Events, Test Drives And More, January 31-February 8

    Fasten your seat belts: the Philadelphia Auto Show returns this Saturday, January 31 and runs through February 8.

    (Photo courtesy Philadelphia Auto Show)

    The Philadelphia Auto Show races into town on Saturday, January 31 and stays put at the Pennsylvania Convention Center through February 8.

    Check out (and learn about) cars of all sort from soon-to-be released models to classic cars that used to rule the road while also test driving cars from Jeep and Toyota.

    Read on for our guide to this year s Auto Show.

    Background

    A tradition since 1902, the Auto Show continually brings the best of the best in automotive design to the spotlight and allows attendees to sit in the vehicles, learn about the cars and some companies even allow guests to test drive.

    The featured cars this year include some of the newest models out there everything from Buick and Fiat to Aston Martin and Bentley. A number of classic cars will be on view, too, like a 1970 Plymouth Superbird and a 1929 Dupont le Mans Speedster.

    Guests can learn about cars, drive them, ooh and ahh over developments or simply pose for photos in impressive models.

    Special Events

    The Auto Show opens on Friday, January 30 with the black tie tailgate. a benefit for the Division of Neonatology at CHOP. Be one of the first to check out the 2015 Philadelphia Auto Show as you dine and dance in the Pennsylvania Convention Center during the annual Black Tie Tailgate. The annual gala features an open bar, live music and food by Chef Jose Garces.

    Test drive some of the featured cars at ride and drives, events that run throughout the duration of the Auto Show. Test drive Toyotas and Kias or try out a Jeep in the Camp Jeep exhibit. Additional events include live radio broadcasts from the Auto Show and even some tunes from Wired 96.5.

    Car fan? The Philadelphia Auto Show is for you with its variety of makes and models — and the opportunity to test drive some of the cars. (Photo courtesy the Philadelphia Auto Show)

    Maximize Your Car Trade-In Value with These 5 Tips #cheap #auto #glass


    #auto trade in value
    #

    5 Ways to Increase a Car s Trade-in Value

    The day had finally come and it was time for me to sell my car and obtain an auto loan to buy a brand new vehicle. My old, battered Honda Civic was still in great running condition, and with nearly 180,000 miles on the odometer, had accompanied me on many journeys. But it had seen better days, and the rust, the peeling paint, the nicks and the dents all but convinced me that its trade-in value would be modest at best, backed by all the research I did on its overall worth.

    What came as a surprise upon selling it was that I was offered nearly double its Kelley Blue Book trade-in value (and this was after my generously sentimental appraisal of my old four-wheeled companion). That was last year, and some reliable sources have since informed me that the car has had not one, but two possible owners since I sold it, a clear indication that it s further retained what value it still has.

    I discovered that day that the trade-in value of my car was much higher than I expected due to a number of relative factors and, that I underestimated its said value due to being misinformed about trade-in values in general.

    Granted, it fetched a higher dollar amount since I sold it instead of trading it in, but that s OK. If you re looking to part ways with your vehicle, don t go unprepared. When you understand what affects your car s worth, you ve got a clear path to knowing how to maintain or even raise its value. It can earn you more money for your old ride, therein saving you money when upgrading to a new one, especially when an auto loan is concerned.

    How Are Trade-In Values Determined?

    To calculate trade-in value, visit the Kelley Blue Book website. You ll be asked to enter the make, model, year, mileage, features and condition of your car, plus whether you re looking to trade it, sell it or if you re just curious for a dollar figure.

    But the Kelley Blue Book price goes beyond those simple details. Priced high or low, the trade-in value of cars takes into account other important details.

    1. Brand

    What s really in a name? A whole lot, according to the writers at High Gear Media. The first name of a vehicle can have a tremendous effect on its resale value, regardless of the condition or quality of the vehicle in question, they said. So, even if your Geo Prizm or Ford Pinto is in tip-top shape, it probably won t command that much coin in the trade-in process.

    On the other hand, marques relied on for their reliability namely, Japanese automakers like Honda, Toyota, Subaru and Mazda do demand high resale values, as do many luxury car makers.

    2. Transmission

    Despite claims that they re better at connecting the driver to the car and to the road, stick shifts have declined in popularity in recent years in favor of the more passive P-R-N-D-3-2-1 of an automatic transmission. In general, an automatic transmission will recoup its cost, typically between $1,000 and $2,000, writes High Gear Media.

    And while manual transmissions won t exclude you from trading in, it can be made more difficult due to their decreased demand.

    3. Paint, Tech and Mods

    Your car s garishly neon pink color is for few people in this world of freeways lined with sober, silver-hued vehicles. So too might be your car s super-hi-fi stereo, which could actually backfire on the resale value if you spent more on it than the car.

    Though your Toyota Corolla might hold a solid auto trade-in value, aftermarketing it into a super-modified, super-charged, super-rimmed Formula 1 wannabe won t do you any favors on the resale front. Upgrades and options can detract from a car s value.

    4. Mileage

    It s worth repeating that mileage affects your car s worth. Even when the exterior, interior and mechanical conditions are ideal, too many miles means a shorter lifespan for your car, and will be reflected by low trade-in values.

    Getting the Best Car Trade-in Value

    According to Edmunds.com, a new car depreciates in value up to 9 percent in the first minute it s driven off a dealer s lot. After five years, your car holds only 40 percent of its true market value and that s without all the other considerations that can reduce its trade-in value.

    Before taking your car to sell or trade in, consider spiffing it up with five of these value boosters.

    1. Make Repairs

    From major engine problems to minor maintenance issues or cosmetic, paint or upholstery defects, a vehicle in solid running order is one of the most fundamental value boosters. The goal is, after all, to sell your car so someone else can drive it.

    Nationwide suggests talking to your mechanic to see if repair costs will outweigh trade-in value. No need to fully restore your car, but a vehicle in like-new condition makes a good lasting impression.

    2. Keep It Clean

    Wash your car! As well as wax and detail it, too. Appearances count, and if the first thing a buyer or dealer sees is a filthy car, he won t even bother looking under the hood to see what s inside. A few hundred dollars (or less) for a quality car wash could increase the value of your car by thousands.

    3. Keep Records

    Websites like Carfax.com will have your vehicle s history on file based on its VIN number. Take it to the next step by saving copies of your maintenance and repair receipts. Document everything from oil changes to servicing.

    Documenting the vehicle’s service history can increase its value by showing that it’s been well maintained, according to Nationwide.

    4. Get It Appraised

    Kelley Blue Book or NADA guides can only estimate what your car is worth. Contact a professional appraiser for a full inspection and true valuation of your vehicle. In tandem with repairs made from your mechanic, this will give you more bargaining power when going to trade in your car, and hopefully more value for your ride.

    5. Don t Settle

    If you ve learned to not take the first offer that comes along from a dealer when shopping for a new car, don t settle for the first dollar figure given to you on a trade-in. One of the best ways to increase the trade-in value of your vehicle is to shop your car around to several places and people for the best offer you can get. You never know when the next dealer will give you top dollar for your investment. And remember: it is an investment.

    I realized that my car was worth more than I expected, even in its battered state. If I had done my homework and taken the steps above to improve its resale and trade-in values, I might have gotten an even higher offer.

    Remember this when it s time to trade in your vehicle. You might miss the times you had together on the road but you won t miss the added savings your old friend brings you when it s time to buy a new vehicle.

    Is It Possible to Refinance a Car Loan with Bad Credit? #classic #auto #group


    #refinance auto loan with bad credit
    #

    Is It Possible to Refinance a Car Loan with Bad Credit?

    If you are worried about how you will refinance car loan bad credit. you should be pleased to know you have options. Most lenders will work with people with bad credit when it comes to refinancing because they understand the bad credit may be coming from the loan in question. an adjustment of that loan will improve a normally trustworthy person s credit. This thought process can be your benefit when you consider auto refinance.

    What Refinancing Will Do for You

    If you had to get a bad credit car loan to begin with, the interest rates and terms were probably extremely high. When you find someone to refinance your loan, you will discover that you might be able to decrease the loan term or the interest rate to make handling the loan easier. This will help you make the payment son time and improve your credit as a whole.

    Getting Refinanced with Bad Credit

    Call the lender and find out what the loan balance is. After you have done that, you should figure out what your car is worth. This is very important because with bad credit you need to have a vehicle that is worth more than what you owe on it. Kelley Blue Book is a good resource for this.

    Make sure that all of your payment history has been good, that there have been no late payments or other issues. If there are problems like this, you will need to explain the cause of the issues to the lenders. Although some lenders have no problems refinancing those with bad credit, they do not look kindly upon those who have missed or late payments.

    If your credit is bad it is smart to stay away from prime lenders. These places will usually only work with people who have excellent credit. Do some research and look into going with sub-prime or high-risk lenders. These professionals specialize in dealing with bad credit refinancing. More times than not they also have available to them several different kinds of loans.

    Information on Using a VA Loan with Bad to Poor Credit #refinance #auto #loan #rates


    #refinance auto loan with bad credit
    #

    VA Loans with Bad Credit

    Can I still get a VA Loan with bad credit?

    The VA does not have a minimum credit requirement. It simply requires that borrowers represent a satisfactory credit risk. But ultimately VA lenders issue the loans, and in the current economic climate these lenders are looking for solid credit scores. It’s up to them to determine whether or not your credit score meets the benchmark they set. If you find that your credit score falls short, there is still hope. There are a number of ways you can raise your credit score to meet a lender’s benchmark and receive the loan you deserve.

    What if my spouse has bad credit?

    First, remember that the only acceptable co-borrower on a loan is a spouse or another veteran. It’s important to note that if there is a co-borrower, such as your spouse on the loan, both parties on the mortgage will have to meet both VA and lender requirements.

    For example, most married couples pursue a VA home loan together, with each obliged on the mortgage note. There are many different reasons why, but usually a husband or wife may not have enough income to purchase the home of their dreams on his or her own. Adding in that second income of a spouse can sometimes do wonders for your purchasing power and debt-to-income ratio. In the current state of the economy, lenders are often looking for a score of at least 620 from both parties involved.

    You can approach this problem from a couple of different directions. The first is to see if you can get preapproved for the desired loan amount without your spouse’s income. Sometimes it can be a simple fix, but not all prospective borrowers will be so lucky. For other co-borrowers, combating the credit issue headfirst may be the best route to take.

    We’re here to help raise your credit score

    We have experts available who can help you boost your credit, but the process starts with you. Many times, a number of different factors collectively contribute to lower a credit score. Raising your score means fixing these issues. Some issues found in your credit report can be fixed quickly, while others may take some time. Either way, boosting your credit score requires sincere commitment and determination on your part. When you’re ready, your hard work and dedication will pay off.

    This is where we come in. We have a dedicated team of professionals who help prospective borrowers who haven’t quite cleared the credit hurdle. Our Department of Secondary Approval is full of experts that work one-on-one with veterans and active military by providing simple, concrete steps to boosting their financial health. It is an absolutely free service that we offer for veterans and active service members alike.

    All you have to do is take the first step. Fill out our no-obligation form below to speak with a VA Loan expert.

    Take the first step in your VA Loan by getting in touch with a VA Specialist.

    Property State: Loan Type: Home Purchase Home Refinance

    How To Refinance Auto Loan With Bad Credit #auto #upholstery #supplies


    #refinance auto loan with bad credit
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    How To Refinance Auto Loan With Bad Credit

    If you are looking to refinance your car loan, you might be worried since you have damaged credit. Although your options might be limited, it is possible to refinance auto loans with bad credit. Let’s find out how.

    What To Do First

    Before refinancing you should carefully check your credit score. You can get a copy of your credit report from:

    Be careful not to get misled by imposter sites that might be involved in identity theft. The Federal Trade Commission (FTC) provides helpful information about obtaining credit reports.

    When you get your credit report, check for errors such as:

    • Accounts listed that are not yours
    • Inaccurate account information (e.g. incorrect credit limits, personal data errors)
    • Outdated information (e.g. expired accounts)
    • Fraudulent accounts (e.g. someone else used your data to get credit)

    Go Loan Shopping

    The next step in the refinancing process is to look for a new lender. You can check with banks, financial companies, or credit unions. There are also online lenders and services that can help you find a potential lender.

    One quick way to find out if you qualify for a loan is to use an auto refinance network, like CARCHEX. This service contacts nearly 100 different lenders, and some might be willing to offer you refinancing even with bad credit.

    Prime Vs. Subprime

    The biggest factor that goes into refinancing decisions is the interest rate. Your credit score has a big influence in what rate lenders are willing to give you. Borrowers with excellent credit are eligible for prime loans which offer the lowest interest. People with poor credit are offered subprime loans which carry higher credit, sometimes up to 15-20% higher than prime loans.

    Things To Watch Out For

    Making inquires to multiple lenders is acceptable, but all inquiries must be done within a 30 day period. Services like CARCHEX help here since they consult with many lenders in just a few days.

    Also, do not apply for other types of credit, like home equity loans, while you are inquiring about car loan refinancing. Multiple types of inquires at the same time could hurt your credit report.

    Finally, you might be offered refinancing with a lower monthly payment, but at a very high interest rate. Try to avoid this as you will end up paying much more overall. Remember to ask about the total loan amount, and then compare this figure to your current car loan before you decide to refinance.

    What To Do If You Are Turned Down

    If you are not approved for refinancing, the first thing you should do is try to improve your credit rating. Things you can do are:

    • Make timely payments on all your credit accounts
    • Pay down any loans as quickly as possible; make extra payments if possible
    • Get your late account payments up to date as soon as possible
    • Consider seeking credit counselling
    • Keep credit card balances low or don’t use credit cards at all
    • Don’t take out a new credit card to pay off an old card

    Conclusion

    Bad credit limits your refinancing options, but there are things you can do to maximize your chances. Even if you get turned down, you can work towards improving your credit score and re-apply for refinancing in the future.

    Joe Campanella is the EVP of Business Development for CARCHEX and oversees partner relationships. Joe possesses 12+ years of experience building sales/customer service teams and securing strategic partnerships. He is a sports enthusiast who enjoys mountain biking, surfing and snowboarding in his spare time.

    How Magna – s door latch is teaching Canada – s manufacturers to compete with China – The Globe and Mail #auto #lifts #for #sale


    #canadian auto parts
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    Built to lead: Magna’s mission to be a world-class manufacturer Add to.

    The threat to Dortec Industries at the turn of the century could be summed up in one word: China.

    infographic

    Magna complied with the requests and opened a latch plant in Kunshan in 2001. But it kept Dortec open as well. The boom in North American auto production in the first half of the 2000s ensured there was enough work to go around, and the plant was even able to generate higher profits than the average Magna factory.

    By 2006, however, the business was being battered by soaring commodity prices and demands by the auto makers for price cuts. Executives at Magna Closures Inc. which oversees both the Newmarket and China operations, turned for help to a retired Toyota Motor Corp. vice-president to teach the company how to develop a first-rate manufacturing system.

    Seven years later, Dortec is at the head of the class. It is also defying the notion that low-cost countries have sounded the death knell for manufacturing in Canada – so much so that side-door latches assembled in Newmarket are shipped from “high-cost” Canada to auto makers in China, Thailand and other low-cost regions.

    Its turnaround holds lessons for other Magna plants as the company puts its so-called world-class manufacturing system in place at more than 300 auto parts plants around the world. Dortec is the plant Magna points to any time a chorus of “Canada can’t compete” breaks out. But the factory is also a beacon for other Canadian manufacturers that are struggling to stay competitive as they contend with a high dollar and globalization. At stake are 1.5 million jobs and the billions of dollars those jobs contribute to the economy annually.

    “If you’re efficient, if you’re world class, you can compete and your customers will want to use you in high-cost countries to supply their product,” says Frank Seguin, president of Magna Closures.

    A visit to Newmarket last December by Benson Wong, the China plant manager, showed just how far Dortec has come.

    “He came over to here to benchmark and he saw a latch going together every 3.2 seconds and he says ‘I’m in trouble,’ ” recalls John O’Hara, vice-president of North American operations for Magna Closures. “He left here thinking: ‘I’ve got some work to do.’ ”

    To succeed in the way that Dortec has, manufacturers need to focus intently on the design of their products, integrate information technology into all aspects of their manufacturing and harness the knowledge of their employees, says David Wolfe, a University of Toronto public and economic policy professor. “It’s critical if they want to survive,” Prof. Wolfe says.

    All those elements are part of Magna’s system, which borrows heavily from the fabled Toyota production system, with its emphasis on lean manufacturing, elimination of waste and relentless focus on quality.

    Upgrading all Magna operations to meet world-class manufacturing standards represents a key pillar underpinning the company’s future in the hyper-competitive auto parts business. “Our vision is to be the best manufacturing company in the world in all the operations we have,” Magna chief executive officer Don Walker says in an interview in Dortec’s conference room, where one wall is lined with the various types of latches Dortec employees put together.

    “Ultimately. if we’re not going to be the best, we won’t be successful as a company.”

    The Toyota influence

    A door latch is among the many unglamorous components of a car that drivers and passengers never see. But a single latch can contain up to 80 individual parts and they have become more complex in recent years with the proliferation of power sliding doors on minivans and power liftgates on minivans and crossovers.

    “They’re very, very critical and highly engineered,” Mr. Seguin says.

    Magna never discloses publicly the costs of the thousands of parts it sells to auto makers, but on such a small component as door latches, reducing that cost by even a penny makes a big difference. Taking one second out of the time it takes to assemble them also matters. That’s where Yasumasa Sano, the retired Toyota vice-president, comes in. When the Magna Closures executives began to look at the operation in 2006 – before the near collapse of the auto industry in 2008 – Mr. Sano would visit Dortec every three months, giving advice on how to improve quality and put lean manufacturing techniques in place.

    Free Automotive Diagnostic Help (with Pictures) #autos #for #sale


    #auto diagnostics
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    Free Automotive Diagnostic Help

    Promoted by

    Local Help

    Many auto parts stores offer free automotive help. Advance Auto Parts offers free diagnostics with the same machine auto repair shops charge for. Not to mention they will actually do the little jobs for you. If you have a dying battery and go to Advance for a replacement, they will change the battery for you free if you do not know how. The same goes for other small jobs such as headlight bulbs and fuses (see Reference 1).

    Auto Zone is another store that offers free services. They will test batteries and alternators to see if they are causing the problem and will also use a diagnostic machine to establish what other problems may exist, according to the company website.

    Often you can ascertain what is ailing your vehicle without ever leaving the house. Many websites allow you to ask auto repair questions online free. Websites such as 2carpros have forums where you can post your car questions and get answers from mechanics and car enthusiasts quickly. Just about any vehicle and any problem can be found on this forum and often a search will reveal your question already asked and answered (see Reference 2).

    Beware of sites that promise free diagnostics but don’t follow through. One such site allows you to submit your auto question for what it claims is free but then redirects you to a site where experts answer questions in exchange for small fees. The fees are usually considerably less expensive than taking your vehicle to a mechanic but are still not the free answers promised.

    Check out your local library for vehicle-specific auto repair manuals such as the ones published by Haynes. These contain a troubleshooting section that details what could be wrong and how to test it for a wide variety of problems. Once you determine the problem, other sections of the book will give you step-by-step instructions that will help you repair the problem yourself. Other books such as Auto Repair for Dummies can provide more generalized help.

    TrueCar – s New CEO Says Top Goal to Be Mending Ties With Dealers – Bloomberg Business #payment #calculator #auto


    #internet auto sales
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    TrueCar’s New CEO Says Top Goal to Be Mending Ties With Dealers

    TrueCar Inc.’s new chief executive officer, Internet auto pioneer Chip Perry, said his top priority for the online vehicle pricing and data provider when he takes over for co-founder Scott Painter next month is to repair relations with car dealers.

    The company has had contentious relations with dealers, which it charges $300 a car or a subscription fee to provide consumer leads that turn into sales in showrooms. In July, TrueCar and AutoNation Inc. the biggest U.S. new-car retailer, ended their agreement after AutoNation decided not to provide data TrueCar required to charge them for its services.

    “Many dealers have had misgivings about working with TrueCar,” Perry said in an interview Monday after his hiring was announced. “My goal is going to be to earn their trust back by listening to them and building their feedback into our future plans.”

    Perry, 62, is taking on the TrueCar job amid the company’s loss of two auto-industry veterans. Larry Dominique, a former Nissan Motor Co. executive, is stepping down as an executive vice president next month and John Krafcik, former head of Hyundai Motor Co.’s U.S. operations, left as president in September to lead Google Inc.’s self-driving car project. Painter will step down as CEO on Dec. 15 and will also resign as chairman and a director, after TrueCar said in August that he would keep the chairman post.

    Perry was the first employee at AutoTrader.com in 1997 and built it into the world’s largest online vehicle marketplace with $1.5 billion in revenue, TrueCar said in a statement. He resigned from AutoTrader in 2013 after it withdrew a plan for an initial public offering. Since July of this year, he has been CEO of RentPath LLC, parent of ApartmentGuide.com and Rent.com.

    “Scott did an amazing job getting TrueCar to this stage and for him to step aside does enable a clean, new chapter to open up,” Perry said. “To be able to signal a clean sheet of paper in terms of how we work with car dealers will be very helpful.”

    TrueCar’s shares gained 5.7 percent to $7.83 at 3:42 p.m. New York time. The Santa Monica, California-based company’s stock slid 68 percent this year through Friday, including a 36 percent plunge on July 24 after cutting its 2015 sales forecast.

    The company may need “some adjustments to the business model” to get its dealer relations and stock price turned around, Perry said. Six million people a month now visit TrueCar’s website and 10,000 dealers a day interact with the company’s marketing tools, he said.

    “We’ll be able to come up with an action plan that works for car dealers and makes TrueCar a friendlier, stronger, better marketing partner,” Perry said.

    He said he plans to begin visiting dealer showrooms in his first week on the job, with AutoNation CEO Mike Jackson one of the first he wants to meet.

    “I’m hoping we can find a way to work together again,” Perry said. “It will be an important priority to build a bridge that AutoNation would be comfortable crossing.”

    AutoZone Shifts Into High Gear With New Reporting Solution #waukegan #auto #auction


    #www.auto zone.com
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    AutoZone Shifts Into High Gear With New Reporting Solution

    National Retailer Uses WebFOCUS to Tune Up Operational Reporting at 5,200 Stores

    AutoZone attributes its success to its ability to provide customers with the right parts at the right prices. Each of its more than 5,200 stores carries an extensive line of parts for cars, SUVs, vans, and light trucks, including new and remanufactured hard parts, maintenance items, and accessories. Many stores also have a commercial sales program that provides commercial credit and prompt delivery of parts and other products to local, regional, and national repair garages, dealers, service stations, and public sector accounts.

    Since opening its first store in 1979, AutoZone has leveraged technology to grab the lead in the automotive aftermarket industry. Using a highly efficient business model for logistics and distribution, the company has grown steadily for more than three decades. In 1989 AutoZone began using a Store Management System (SMS) to help keep stores stocked with the parts customers need. Soon after, it became the first auto parts retailer to register customer warranties in a computer database. In 1994, AutoZone established a satellite system to broadcast parts information from store to store. The company also has an active online presence.

    It’s an information-intensive business, and that’s why business intelligence (BI) is so important.

    In the past, the IT department generated most of AutoZone’s corporate reports from a mainframe system at AutoZone’s Store Support Center. While these reports were adequate for monitoring basic activities, as the company grew, managers soon discovered they needed additional reporting capabilities.

    AutoZone turned to Information Builders WebFOCUS BI platform, a move that has enabled the company to continue its tradition of technical leadership. WebFOCUS is used throughout the entire organization – from HR training and annual reviews to store operations, wholesale sales support, and customer satisfaction reporting.

    “We wanted to obtain a general-purpose reporting environment that could reveal operational metrics to our management team on demand,” says David Glasscock, director of operation support at AutoZone. “Ideally, this reporting system would be available to our users in the field, so individual store managers could access pertinent data when they needed it. WebFOCUS is giving our store managers access to data that they couldn’t access before. Our reports are timelier, more accurate, and more consistent. That makes a real difference in our operations.”

    Calibrating Custom Reports for a Remote Workforce

    Information Builders demonstrated a platform-agnostic solution that could run on Linux, AIX, and even a mainframe Linux partition. Additionally, each developer license came with eleven days of training. At the time, other BI vendors didn’t offer such training.

    “We didn’t want a reporting environment that could only be understood by analysts,” Glasscock says. “Instead, we needed a user-friendly system that would encourage people to create reports in an intuitive way. WebFOCUS was less expensive than the other BI solutions, and easier for our employees to use.”

    Due to its thin-client deployment architecture, remote users only need a standard Web browser to access the WebFOCUS environment. This is ideal for AutoZone because it enables the IT department to control the data on the reporting servers, yet managers at individual stores can help themselves to the information they need.

    Instead of continually creating new reports, Glasscock and his team are building a library of reports that managers in the sales, HR, and finance departments can access when necessary.

    Moving Into the Fast Lane With Report Templates

    Another thing AutoZone likes about WebFOCUS is its ability to access multiple data sources simultaneously – including flat files from the mainframe, text files, and relational databases. Installed on a Linux platform, WebFOCUS uses iWay Software integration adapters to seamlessly access data from DB2 databases, Informix databases, and flat files. In some cases, data is loaded into data marts that have been pre-sorted and structured for operational reporting. In other cases, users access data from production data sources directly, and even pull data from two different types of databases into a single cohesive report.

    Glasscock especially likes the way WebFOCUS uses reporting templates to let users specify report dimensions, calculations, measures, and other variables, all through a standard Web browser. For example, one report reveals how well the stores are complying with AutoZone’s inventory

    management programs.

    Enterprise Reporting

    WebFOCUS enables timely, accurate business data to be transformed, in real time, into richly formatted reports that can be accessed by everyone across the organization. AutoZone’s BI environment delivers information to more than 5,200 stores, 400 district managers, 50 regional managers, six divisional vice presidents, and 200 users at headquarters – between 10,000 and 20,000 users total.

    Putting End Users in the Driver’s Seat

    WebFOCUS includes dynamic load-balancing technology to transparently route report requests among servers, ensuring rapid and consistent results.

    “We’ve sized the current environment for our needs,” says Glasscock. “As we expand our reporting environment and the workload increases, we can add additional reporting servers that have been clustered to ensure good reliability and performance.”

    Fulfilling AutoZone’s commitment to customer satisfaction means always having accurate information about key performance indicators (KPIs), sales, and labor requirements. Glasscock says WebFOCUS helps AutoZone meet these demands by delivering information that makes everyone in the organization more productive.

    “The biggest benefit I see is in consistent, timely reporting,” he says. “We can move very quickly with this product, which means we can update and change our reporting strategy based on the evolving needs of the company. WebFOCUS gives us a lot of flexibility as we respond to the needs of the automotive market.”

    9 Steps To Getting A Car Loan With Bad Credit #auto #service


    #auto refinance with bad credit
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    9 steps to a car loan on damaged credit

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    9 steps to a car loan on damaged credit

    Bad credit doesn’t mean you can’t buy a car, and doesn’t automatically mean you can’t get a car loan with terms that don’t break your monthly budget.

    Like everything else, “bad” is a matter of opinion and degree. If the score is borderline, some lenders might still smell a good prospect while others, with slightly different criteria, would see more risk.

    Most important: Shop around. While the average interest rate for borrowers with good credit is between 4% and 5%, subprime borrowers will pay an average of 10% to 13%, depending on their credit score. Some lenders can go higher than that, according to Phil Reed, senior consumer advice editor for Edmunds.com. “You don’t want to have the attitude of ‘just get me a loan.’ There are still deals to be made.”

    It’s also a good time to be looking. Delinquencies on auto loans dropped in the first quarter of 2015 compared with a year ago, so lenders are more confident, leading to a rise in subprime loans.

    Here are nine strategies to help you find the best subprime auto loan.

    Shopping for a car or just a car loan? Download Bankrate’s auto app for price comparisons, loan calculations and more.

    7 Automakers With The Best Car Warranties #oreily #auto


    #auto warranties
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    7 automakers with the best car warranties

    Shopping for a new-car warranty

    When shopping for a new car, an important part of sizing up a deal financially should be to determine the value of the car warranties.

    Auto companies traditionally offer basic coverage, which covers repairs and defects for three years or 36,000 miles, whichever comes first. However, some companies are offering warranties for much longer than the three-year 36,000-mile standard, and savvy shoppers can take advantage.

    These buyers may benefit from having a lower total cost of ownership. There are generally at least four types of new-car warranties.

    • Basic: Also known as “bumper-to-bumper” coverage, this is the general coverage that would pay to repair defects in factory-installed parts. Tires are not typically included because they’re usually covered under a separate tire manufacturer warranty.
    • Powertrain: Covers the engine, transmission and transaxle parts, and usually lasts longer than basic coverage. This is also known as a drivetrain warranty.
    • Corrosion: Covers rust that causes holes in sheet metal in parts such as the doors or side panels.
    • Roadside assistance: Provides help with towing and tire-changing if the car breaks down while traveling.

    It’s best to check with dealers for specifics, but here is a list of seven top auto companies that offer among the best car warranties, despite the fact that many are rated safe cars by independent research firms.

    3M Honored with Awards at SEMA 2015 #affordable #auto #insurance


    #aftermarket auto body parts
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    3M Automotive Aftermarket Division Honored with Awards at SEMA 2015

    3M Automotive Aftermarket Division announced that two new products, the 3M Accuspray Spray Gun System with PPS and 3M PPS Color Match Film, captured the attention of a panel of international judges during the 2015 SEMA Show in Las Vegas and were each named 2016 SEMA Global Media Award winners. In addition, the 3M Accuspray Spray Gun System with PPS was also recognized as a runner-up in the Packaging Design category of the New Products Showcase Awards.

    The Global Media Award program was introduced in 2004 to highlight the wide appeal of specialty equipment products at the SEMA Show to enthusiasts on every continent  The voting panel reviewed nearly 2,000 new products that were featured at this year’s show. Each journalist selected 10 products that would be of most interest to their publication and would most likely succeed commercially in their respective countries.

    The 2016 SEMA New Products Showcase Awards represent the most innovative and cutting-edge automotive aftermarket products to be available in 2016. Nearly 3,000 products were entered into 16 different categories, and winners were selected based on a variety of factors that include quality, marketability, innovation, technology, consumer appeal and more.

    The new 3M Accuspray Spray Gun System with PPS earned two Global Media Awards, recognized by both Young Jun Yu of Car Tech in South Korea and Henry Pierini of AutoZulia International in Venezuela. The system also earned runner-up honors in the New Products Showcase Awards for Packaging Design.

    3M PPS Color Match Film also earned a Global Media Award.