Mandated Reporters of Child Abuse

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Act 60 (S.9). which came into effect July 1, 2015, made some changes to mandated reporting procedures, child abuse definitions, and information sharing. These changes are reflected below.

Who are mandated reporters in Vermont?

Click here to see the list of mandated reporters.

What is my legal obligation to report?

If you reasonably suspect child abuse or neglect, you are legally required to make a report to our Family Services Division (FSD) — within 24 hours of the time you first received or observed information about the suspected abuse/neglect.

Read FSD Policy 50 for child abuse and neglect definitions.

How do I make a report?

Call 1-800-649-5285 (24 hours a day, 7 days a week).

If a child is in immediate danger, dial 911 or call your local police first.
Then, call FSD to make a report. Calling law enforcement is not the same as reporting to FSD. You must notify FSD directly.

What if several people in my organization need to report the same information/incident?

We strongly recommend you report as a group—by phone or in writing. The same 24-hour time limit applies.

What if my employer has a policy about notifying supervisors or managers about suspected child abuse or neglect?

Remember that it is the individual mandated reporter who is legally required to make a report on time and will be liable if one is not made.

What happens to reports received?

Click here to learn what happens to the reports we receive.

What if I am not sure?

Please call us for advice, if you:

  • Are not sure a report is warranted.
  • Are considering telling the parents about your report. In some cases, this could endanger the child and hinder the response.

You need only have a reasonable suspicion that abuse or neglect happened to make a report. If in doubt, report!

What happens when I call?

Before you call, try to have as much information on hand as possible (e.g. the child’s name, date of birth, home address, school or child care provider, and parents’ names).

A social worker will:

  • Question you about the situation
  • Record the information you provide
  • In some cases, ask you to gather more information

Written Report:
The worker will also ask you to complete a written report using form FS-305.

  • Print a copy of the form and complete it by hand OR
  • Save the form on your computer and complete it as a fillable form (if your browser does not support fillable forms, try another one)

Fax your completed report to (802) 241-3301.

What information may be shared with me?

If you are a mandated reporter, we can share the following with you:

  • Whether your report was accepted as a valid allegation of abuse or neglect
  • Whether an assessment was conducted and, if so, whether a need for services was found
  • Whether an investigation was conducted and, if so, whether it resulted in a substantiation

Upon request, we may also provide you with relevant information and records related to a report you made if you have an ongoing working relationship with the child or family who is the subject of the report. You may not share this information with any person not authorized to get it.

What is my liability?

Vermont law provides you with immunity from civil or criminal liability if your report was made in good faith. However:

  • Failing to report as required by law can result in criminal prosecution with a fine of up to $500
  • Failing to report as required by law with the intent to conceal the abuse or neglect can result in imprisonment for up to six months and a fine of up to $1,000

What about HIPAA?

The HIPAA privacy rule allows covered organizations to disclose protected health information to report suspected child abuse or neglect to government authorities authorized by law to receive such reports.

Is my report confidential?

We will not divulge your identity unless:

  • You give us your permission to do so
  • Your report leads to a court or human services board proceeding
  • A court finds probable cause to believe your report was not made in good faith and orders DCF to divulge your identity
  • The person substantiated for abuse requests a review of the decision, and we determine that identifying information about you can be provided without compromising your safety

Where Can I Get More Information?


Automobiles – The New York Times, how to sell your car.#How #to #sell #your #car


Automobiles

  1. Photo How to sell your car Credit Lambert/Getty Images

Cars Lose the Spare Tire for a Leaner Ride, but It Could Cost You

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Full-size spares gave way to space-saving “doughnuts,” but now carmakers may provide only the tools for a quick, do-it-yourself fix.

By NORMAN MAYERSOHN

The Tech & Design Issue: Life After Driving

How to Make Cars Cooperate

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As giant companies race toward self-driving technology, smaller firms are using vehicle to vehicle technology to work toward a more profound — and in some ways opposing — goal.

The Tech & Design Issue: Life After Driving

Can Ford Turn Itself Into a Tech Company?

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Its very name was synonymous with the 20th-century economy. Now it’s trying to catch up with Silicon Valley on self-driving cars.

Waymo’s Autonomous Cars Cut Out Human Drivers in Road Tests

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The Alphabet unit says it expects to allow passengers to ride in truly driverless cars in its tests within the next few months.

By DAISUKE WAKABAYASHI

  1. Photo How to sell your car Credit Tesla, via Reuters

Tesla’s Elon Musk Reassures Investors Over Model 3 Delays

The electric-car maker cited record output of its existing models, and its chief said bottlenecks on its first mass-market offering were being resolved.

BMW Recalls Roughly a Million Vehicles at Risk of Catching Fire

The recalls include several 3 Series models and various BMWs with six-cylinder engines.

By CHRISTINA CARON

Wheels

Wheels Drive Auto Industry Forward, in Showrooms and Aftermarket Shops

Be they understated and utilitarian or exotic and outrageous, a fresh set of rims can make any car look new — even a new one.

By STEPHEN WILLIAMS

Volkswagen Sales in U.S. Rebound After Diesel Scandal

Two years after the automaker’s cheating on emissions compliance was revealed, its dealers are finding renewed customer interest.

By NEAL E. BOUDETTE

Peter Schutz, Executive Who Saved a Signature Porsche, Dies at 87

Mr. Schutz, whose family had fled the Nazis, returned to Germany to be the only American to lead the sports car maker. He stopped it from killing the 911 model.

  1. Photo How to sell your car Credit Caitlin O’Hara for The New York Times

Waymo Enlists AutoNation to Maintain Driverless Test Fleet

The move is a sign that the self-driving unit of Alphabet, Google’s parent, is closer to putting its technology into cars in ride-hailing operations.

By NEAL E. BOUDETTE

Wheels

Forgetting a Child in a Back Seat Can Kill. Cars May Soon Warn You.

Lawmakers are weighing whether to force automakers to include a device to alert drivers when a child in the back seat of a car after it has been turned off.

By PAUL STENQUIST

Subaru Admits Inspection Failings, in Another Blow to Japan’s Carmakers

The announcement follows a similar revelation from Nissan and comes as the country’s manufacturing sector faces unusually intense scrutiny.

By JONATHAN SOBLE

Cost of Volkswagen Scandal Could Hurt Company’s Electric Vehicle Push

The carmaker reported an increase in revenue, but said it still had work to do to overcome the damage caused by its diesel emissions cheating.

Automakers Build War Chests to Finance a Self-Driving Future

Ford, General Motors and Fiat Chrysler have revamped their businesses to enhance profitability and lay the foundation to develop high-tech models.

Public Car Auction – Every Saturday 10: 30 AM Interstate Auto Auction, how to sell your car.#How #to #sell #your #car


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WOW!! 2014 Audi Q7 Only 49,000 Miles!! Retails For $34,000 Save Thousands like the Dealers at Auction!!

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Public Auto Auctions

Interstate Auto Auction is an auto auction open to the public located in Salem, NH. Our public car auctions sell vehicles from dealer trade-ins, repossessions, lease ends, donated cars and more. At Interstate Auto Auction we want you to buy with confidence. You can TEST DRIVE any of the vehicles before the auction!! Feel Free to review our cars online. We also encourage you to read our about us page and our very helpful and transparent FREQUENTLY ASKED QUESTIONS GUIDE which answers over 20 questions that you may have about how we operate.

Interstate Auto Auction now offers you the option to pay for your auction online.

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Buy – Sell Used Cars in Dubai, Abu Dhabi, Sharjah, UAE Emirates, how to sell your car.#How #to #sell #your #car


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Ford Mustang 2003 Excellent Condition Price : 7500 AED

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Used Honda CR-V EX Plus (AWD) 2008 Car for Sale in Fujairah Price : 23000 AED

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Used Car Buying & Selling in Dubai and other Emirates

MyCarPoint.com is a car classified website to buy used car and sell used car in Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah,Umm Al Quwain, United Arab Emirates (UAE). Dozens of used cars for sale are added daily to our Auto Classifieds Listing . User can buy second hand cars from owner by searching from a large list of classified car ads. Before buying a car, view our Car Buying & Selling Forum section for tips on car buying, selling, service and other auto tips. Selling a used car is so easy. Just create an account and place your used car advertisement for free to sell your car. Before buying a used car make sure to inspect the car by RTA Comprehensive Test or some professional mechanic. RTA Comprehensive Test checks all the mechanical and body parts and the reports is very reliable. If the seller does not agree to take the car for RTA Comprehensive test or mechanic, then that is a warning sign. The seller should not have any issue with an inspection. Please note that the RTA Comprehensive test is different from normal transfer test. Don’t trust what the other person says about his/her car and consider the car in its own merit. Only pay once the car transfer formalities are fulfilled. Seller should not accept check or online source for payment. Cash payment is the best way to accept payment at the time of transfer.

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Nuvell Auto Finance – Nuvell Auto Financing – Nuvell National Auto Finance – Your #blair #auto #mall


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Nuvell Auto Finance

Nuvell is one of the auto finance companies which is nationally recognized and is equipped with huge variety of services in order to fit various needs. Nuvell offers services to those customers who aren’t able to get credit from conventional sources and also provides help to dealers who are looking for innumerable financing alternatives for their own organization. Nuvell is committed to provide high quality services to all its customers as well as dealers.

Nuvell is a completely owned subsidiary of the GMAC and has hence very fast become the nation’s premier service providers for wide ranging vehicle servicing as well as financing.

Nuvell offers better quality auto finances schemes by developing a strong association with all their retail dealers and customers. The success of Nuvell is wholly due to their result oriented nature. Nuvell generally emphasizes on their teamwork, customer service and continuous improvement.

Nuvell’s superior way of executing services, highly motivated workforce and performance driven team along with customer loyalty makes their auto financing service stand apart from the others. GMAC in 1997 purchased the entire operating assets of the third party called as LSI which is a provider of residential and auto mortgage loans and receivables. After acquiring the LSI it established company named Nuvell financial which is one of the wholly owned supplementary in Arkansas. In the year 1998, Nuvell made its own labeled division to influence Nuvell’s proficiency in the field of retail auto finance service sector by providing a huge range of personalized financial service for dealers who have been franchised by different private labeled distributors and manufacturers.

Nuvell constantly expanded its business by acquiring the operating assets of one of the auto finance companies in December 2000. Nuvell then created the National Auto Finance LLC which is the division of Nuvell Credit Company LLC. It offers retail financing from near-prime consumers till the non-GM dealers franchise.

Nuvell which was just located in a single place in Arkansas has now boomed and has bought offices in various places such as Texas and Florida. In the year 2008 Nuvell had shifted their headquarters to Florida. In all the 50 states Nuvell serves dealers.

Executing services excellently, highly motivated as well as performance driven staff along with the customer’s loyalty makes Nuvell Auto finance sector different from others. Being a performance driven sector, Nuvell always honors and values the diversity, potential and contribution of all its employees. Nuvell auto finance core values are their basic principles which guide their actions in the company itself as well as whilst dealing with their customers.

Is it time to sell your old car or truck? #used #auto #loan


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Is it time to sell your old car or truck? Here’s how to tell

By: Margarette Burnette, May 09th 2014

Each year you drive your old car is one more year you don’t have to worry about paying for a new one.

Yet, with every turn of the odometer, you’re one mile closer to big repair and maintenance bills.

At some point, it costs so much to keep your old ride on the road that you’d be better off investing all of the money you’re spending at the garage on a new car or truck. Our database of the best auto loan rates can help get you started.

There’s no magical mileage threshold that tells you when it’s time to ditch your car. In fact, many of today’s vehicles routinely exceed 100,000 miles without experiencing major mechanical problems.

But if you’re being hit with one repair bill after another, these 5 steps can help you decide if the time has come to ditch your old car or truck.

Step 1. Find out what your car is worth.

All smart decision-making starts with this.

To find out what your car is worth, research it on an auto valuation site, such as Edmunds.com or Kelley Blue Book (kbb.com).

You’ll be asked a few questions about the year, make and model of your car, the odometer reading and the condition it’s in, taking any repairs you’re planning to make into account.

Those websites will provide you with three potential values for your car.

The one you want to use is the trade-in value, which is the lowest of the three estimates.

This is the amount you can expect to receive from a dealer if you include your current car in a deal to buy another car there.

Let one of the best commuting cars of 2014 take the stress and worry out of those slogs to work, the supermarket and other daily destinations. They’re safe and economical but don’t scrimp on creature comforts, including automatic transmissions and air-conditioning. With prices starting at just over $19,000 and climbing to just under $31,000, we’re confident you’ll find the perfect ride.

Step 2. Determine how much it will cost to keep it on the road.

Ask your mechanic for a rundown of all the:

  • Big repairs that must be done right now to keep your vehicle running.
  • Additional repairs that can be postponed but need to be done over the next year.
  • Major maintenance that will come due during the next 12 months based on how many miles are on the car.

We’re not talking about oil changes.

We’re talking about the more costly work required as vehicles reach 60,000 to 100,000 miles — everything from changing the transmission fluid and coolant to replacing worn-out tires, brake pads and rotors, water pumps, suspension parts and timing belts.

Check your owner’s manual for the manufacturer’s recommended maintenance schedule. If you don’t have the manual, any reputable shop can check the schedule for your car and tell you exactly what you’ll need to do and how much those repairs will cost.

Postpone that work, and you’ll run a greater risk that your car will break down and stick you with an even bigger repair bill once you’ve been towed to the shop.

Take the timing belt, for example. It connects the crankshaft to the camshaft and controls the opening and closing of the valves in your engine.

Replacing a timing belt often costs $600 or more. But if you don’t do it, you can pretty much count on a worn-out timing belt breaking at some point, seriously damaging your engine.

Then it would cost $2,000 or more to get it running again.

Also, watch for two signs of big trouble:

  • Blue smoke out the tailpipe means you’re burning oil, which very likely indicates the oncoming need for an engine replacement. (A little white smoke until the engine warms up is OK.)
  • Slipping between gear changes means your automatic transmission is failing. (Slipping is where the engine revs up without any appreciable increase in speed.)

Add up all of the repairs and maintenance you’ll need to do over the next year, and compare it to the trade-in value of your car.

If you’ll have to spend more than the car is worth to keep it on the road for another year, then it makes financial sense to invest that money in a new ride.

Step 4. Recalculate your costs using past repair bills.

You aren’t finished if that comparison falls on the side of keeping your old car, especially if it’s not a decisive difference.

Mechanics can’t look at your car and predict everything that’s likely to break over the next year, so maybe you didn’t have a list of estimated future repairs in Step 2.

That doesn’t mean you’re not going to have any.

Reliability guides, such as the ones from Consumer Reports. provide entire lists of problems that consistently plague almost every make and model as it ages.

In fact, here’s a pretty tried-and-true rule of car ownership: The older your car gets, the more stuff breaks.

Average cost of car loans

Source: Interest.com weekly survey of major lenders from April 30, 2014.

How To Prep Your Car for Long-Term Storage #second #hand #cars #uk


#auto storage
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How To Prep Your Car for Long-Term Storage

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There are a number of times when people need to store a vehicle for an extended period of time. Maybe you have a convertible that you love to drive in the summer, but winter is on the way. Or perhaps you’re going to leave town for a job or an extended vacation. Maybe you are in the military and are being deployed overseas.

Whatever the reason for your time away from the vehicle, you’ll need to put it in storage. If you simply let your vehicle sit on the street or in a garage for an extended period of time, you may return to a dead battery or worse yet a damaged engine, ruined tires and a rat’s nest under your hood.

Here are important steps to take before you store a vehicle. They will preserve the life of the engine and ensure that your car starts when you return to it.

Keep It Covered

A garage is the ideal place to store a vehicle. This will protect it from the elements and keep it at a temperature that’s relatively stable. If you don’t have a garage and you can find accommodation at a reasonable price, consider putting the car in a public storage facility.

If you have to leave the car outdoors, consider getting a weatherproof car cover. This will help keep the car clean and dry.

Clean It Up

It may seem counterintuitive to get the car washed when you’re putting it away for months, but it is an easy step and one that shouldn’t be overlooked. Water stains or bird droppings left on the car can damage the paint. Make sure to clean the wheels and undersides of the fenders to get rid of mud, grease or tar. For added protection, give the car a coat of wax.

Change the Oil

Skip this step if you’re only storing the car for a week or two. Consider getting the oil changed if you will be storing the vehicle for longer than 30 days. Ford recommends this in its owner’s manuals, saying that used engine oil has contaminants that could damage the engine.

Top Off the Tank

This is another long-term car storage tip. Fill the tank with gas if you expect the car to be in storage for more than 30 days. This will prevent moisture from accumulating inside the fuel tank and keep the seals from drying out. You should also purchase a fuel stabilizer such as Sta-bil. to prevent ethanol buildup and protect the engine from gum, varnish and rust. The fuel stabilizer will prevent the gas from deteriorating for up to 12 months.

Keep It Charged

An unattended battery will eventually lose its charge. Get someone to start the car every two weeks and drive it for about 15 minutes, if possible. Driving the car periodically has several benefits. It will maintain the battery’s charge, help the car “stretch its legs” and keep the engine and other components properly lubricated. It is also a good idea to run the air-conditioner to keep the parts in working order and the air quality fresh.

If you cannot arrange for someone to start the car, there are two other options. The low-tech solution is to disconnect the negative battery cable. You’ll likely lose the stereo presets, time and other settings. If you want to keep those settings and ensure that your battery starts the moment you return, purchase a battery tender, also known as a trickle charger. This device hooks up to your car battery on one end and plugs into a wall outlet on the other. It delivers just enough electrical power to prevent the battery from discharging.

Don’t Use the Parking Brake

It’s usually a good idea to use the parking brake, but don’t do it when you leave a car in storage. If the brake pads make contact with the rotors for too long, there is a chance that they might fuse. Instead, purchase a tire stopper, also called a chock. to prevent the car from moving.

Prevent Flat Spots

Make sure your tires are inflated to the recommended tire pressure. If a vehicle is left stationary for too long, the tires could develop flat spots as the weight of the vehicle presses down on the tires’ footprints. This process occurs at a faster rate in colder temperatures and with vehicles equipped with performance tires or low-profile tires.

In some cases, simply having someone drive the car for a while will bring the tires up to their normal operating temperature and get rid of any flat spots. In more severe cases, a flat spot can become a permanent part of the tire and it will need to be replaced.

If your car will be in storage for more than 30 days, consider taking the wheels off and placing the car on jack stands at all four corners. This step requires more work, but it can save you from needing a new set of tires. Your tires will be in much better shape when you return if they haven’t had the weight of the vehicle resting on them for a month or more.

Keep Critters Out

A garage will keep your car dry and relatively warm. Unfortunately, those are also two things that make a garaged car attractive to rodents. There are plenty of places in your car for critters to hide, and plenty of things for them to chew on. Try to cover any gaps where a mouse could enter, such as the exhaust pipe or an air intake. Steel wool works well for this. Next, spread mothballs or cotton swabs dipped in peppermint oil along the perimeter of the vehicle. The smell is said to drive mice away.

If you want to take a more proactive approach, lay down a few mousetraps and some rat poison. Just make sure someone can check the garage periodically, in case there are some casualties. Otherwise, you’ll have to deal with a smell much worse than mothballs when you take the car out of storage.

Maintain Insurance

You might be tempted to cancel your auto insurance when your vehicle is in storage. Although that might initially save money, there is a chance that the insurance company will raise your rates due to the gap in coverage, which could cost you more in the long run. This can vary based on where you live and who your provider is, so contact your insurance company to see what options are available to you.

Get Back in Action

Here’s a checklist of what to do when you’re ready to bring your vehicle out of storage:

  • Check under the hood for any evidence of rodents. Look for chewed belts, hoses, wires or nests. If you covered the muffler or air intake, remove that material before you start the car.
  • Check the windshield wipers to see if the rubber is cracked or brittle.
  • Check tire pressure and inflate the tires to the recommended specs.
  • Check the brakes. Rust may have accumulated on the rotors. In most cases, this should go away after you drive the vehicle for a short time.
  • Check fluids to make sure there have been no leaks and that they are at the recommended levels.
  • If the battery cable has been disconnected, make sure that you reconnect it and that the battery terminals are clean.
  • Wash your vehicle to remove any dirt that may have accumulated.

Guide to Selling Your Car #auto #salvage #auction


#sell my car
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Guide to Selling Your Car

Selling an old car or truck privately doesn’t have to be complicated. With a little research and organization, you can simplify the process and get the most profit possible.

Use this simple step-by-step guide to help you along the way.

Step 1: Determine the Vehicle’s Worth

Sometimes the decision to sell a vehicle privately comes down to the amount of profit you’ll gain through the transaction.

Before you can decide whether or not the process will be worth the effort, you’ll need to find out exactly how much your car is worth.

A few resources that will estimate your vehicle’s current market value include:

If your car isn’t worth as much as you thought, you may want to consider it for trade-in value at a dealership instead.

Step 2: Gather the Paperwork

If you wait to do this step toward the end of the process, you find yourself scrambling for all the necessary documents. A better approach is to gather everything you’ll need to finalize the transaction once you’ve decided to sell your car or truck privately.

Each state has its own requirements for required paperwork when selling a car ; as a general guide, be prepared to have:

  • The title.
    • You’ll need to sign the title and hand it over to the new owner.
  • Maintenance records.
    • Keeping up with scheduled maintenance can increase the value and reliability of your vehicle.
    • If you’ve kept all of your maintenance records, great. If you haven’t, you can get them at the dealership or mechanic who handled your services.
  • Bill of sale.
    • A bill of sale is used to document the terms and conditions in the event of a dispute, and can release you of certain liabilities.
  • Release of Liability.
    • This form will keep you from being liable for any damages incurred after the vehicle is sold. Without it, there could be a dispute over accidents or other events that occur before the vehicle is registered under the new owner.
  • Warranty documents.
    • If the car is still under the manufacturer’s warranty or an extended warranty, you’ll want to have these documents ready to provide to the new owner.
  • As-is documentation.
    • If there are no warranties, make it clear that the potential owner will assume all responsibility for repairs and damages once the vehicle is sold.
    • You can sometimes include this on the bill of sale.

Step 3: Get the Car Ready

A clean vehicle will be more attractive to potential buyers, and give the impression that the car or truck has been properly cared for.

Before you take pictures of the vehicle or list it online, you’ll need to detail the interior and exterior of the vehicle. If you decide to do this yourself, be sure to:

  • Wash and wax the exterior of the vehicle.
  • Clean the rims and tires .
  • Replace or wash old floor mats .
  • Vacuum the floor, seats, and trunk.
  • Clean the ashtrays .
  • Wash the windows inside and out.

Step 4: Take Pictures

Once the car is clean and detailed, you’ll want to take plenty of pictures. This will aid in your efforts to advertise the vehicle and attract potential buyers.

Be sure to take multiple shots from different angles and choose the best of your selection when you create your ad. A few shots you’ll want to be sure to include are:

Step 5: Find a Place to Advertise

To advertise your vehicle properly, you’ll need to find an online classified service where potential buyers will be shopping.

There are plenty of options out there, so we’ve provided a guide to advertising your vehicle to get you started.

Step 6: Create an Ad

Creating a good ad is a must to attract buyers, and it starts with knowing the details of your vehicle inside and out.

Since a detailed description will leave a good first impression and help you attract more buyers, you’ll want to make sure it’s as accurate as possible.

Be sure to include the following information at a minimum:

  • Asking price.
    • Be sure to include if the price is firm, OBO (“or best offer”), or a quick sale.
  • Mileage.
  • Condition of the vehicle .
  • Any history of accidents or damage.
  • Modifications or upgrades that have been made.
  • Recent repairs .
  • VIN number.
    • This will help the buyer order a vehicle history report (VHR) for the vehicle.
  • Number of owners.

Step 7: Screen Potential Buyers

After you’ve posted an ad online, be ready to respond to incoming inquires. Answer any questions by e-mail or phone, and only set up test drives for serious buyers.

This is also the time you’ll want to beware of fraud. Lay out your guidelines to determine legitimate candidates. Before setting your appointment:

  • Ask for the person’s full name .
  • Clarify forms of payment that will be acceptable.
    • Checks and money orders are riskier option, so if you accept these methods make sure you have the funds in hand before you sign over the title.
  • Make sure the buyer knows monthly payments aren’t acceptable.
    • There’s no way for you to collect if a buyer decides to stop payment.
  • Determine if the buyer is in the area.
    • National or overseas sales will complicate the process, especially if the buyer doesn’t plan on looking at the vehicle first.

Step 8: Give Your Sales Pitch

If a buyer makes the effort to come over and look at the car, use the opportunity to make a sales pitch. The best time to inform the buyer of why your vehicle would be a better purchase than others on the market is during the test drive.

A few tips for a good sales pitch include:

  • Sizing up the driver.
    • Find out what they currently drive.
    • What they’re looking for in their next vehicle.
    • Use this information to ease their concerns.
  • Pitching the benefits of your car. such as the:
    • Fuel economy.
    • Affordability of replacement parts.
    • Performance specification of the engine.
    • Reliability and safety features.

Step 9: Negotiate the Sale Price

After you’ve shown and discussed the vehicle, remind the buyer how firm the price is. If it’s up for negotiation, don’t be afraid to make a few counter offers if you aren’t happy with the buyer’s price.

When you negotiate, it’s a good idea to have a starting price that’s higher than what you’re willing to accept. Also have a dollar amount in mind that’s your lowest acceptable price and stick to it.

Step 10: Finalize the Sale

Once a sale has been agreed upon, you’ll need to finalize all the paperwork. If you accept a cashier’s check, go with the buyer to his or her bank to get your money. When payment has been completed, you’ll need to:

  • Complete the bill of sale .
  • Sign over the title.
  • Fill out the Release of Liability.
    • Submit this form to your state DMV if required.
  • Provide warranty documents. if applicable.
  • Provide copies of maintenance records.
    • Be sure to black out personal information to avoid identity theft .
  • Include any additional transfer paperwork your state may require.
  • Hand over the keys!

Don’t forget to remove your vehicle from your insurance policy

Find Your Cars Value Using Black Book #hertz #auto #sales


#auto trade in value
#

Use the Black Book to get the full market value for your trade!

When you’re looking for a trade in value or a used car value, you’re not looking for a little black book with phone numbers – but the Black Book that tells you what the used vehicle you’re buying or selling is worth on the automotive market.

At Auction Direct USA, you can be assured our appraisal professionals will use the Black Book, and their experience, to come up with the best, most competitive trade in value for your used car, truck, van, crossover or SUV.  We’re in the business of buying and selling used cars day-in-and-day-out, so our professionals know how to arrive at the best used car value when you bring in your vehicle for a trade.

We’re not only very familiar with used car values for both foreign and domestic vehicles; we also utilize the Black Book and other resources to ensure we come up with the most accurate trade in value for your automobile.  Auction Direct USA uses the same information to make sure the prices of all our used cars are among the most competitive in your city.

You can be sure when you bring your used car to trade to us; you can trust the trade in value you receive for your vehicle.

And you don’t even have to be purchasing a vehicle to get a no obligation appraisal for your trade in.

All trade in appraisals is good for five days or 500 miles, which gives you a chance to compare our offer with other dealers.

You’ll find the same is true at our Auction Direct USA Showrooms!  We come up with the best used car value for every vehicle on the lot.

When it comes to getting the best Black Book value for your trade in or your purchase, Auction Direct USA is where you need to be looking for a used car!

Car Dealers In Your Area #auto #glass #houston


#bad credit auto dealers
#

Car Dealers In Your Area.

UsedCarSale.com Financial Services:

Available As Of July 14, 2013

Submit a two minute application to dealers and/or lenders in your area that can, and will, approve those with a bad credit history. Must have steady income.

Submit an application to local buy here pay here dealers, or dealers who offer in house financing. Must have income, and stable residency.

Submit an application to local dealers who can assist those with no prior credit history. Must have income.

UsedCarSale.com is a free online forum for those buying or selling a used car. truck. van, or suv. We welcome all sellers, including local car dealers. Posting here take just a moment, and within minutes, thousands of local buyers will be able to view your available inventory.

Used Car Dealers Welcome To Post Here, Free Of Charge!

For our buyers, UsedCarSale.com provides a resource in which you can research used cars, trucks, vans, and suv’s made available for sale in your area by private sellers. and local car dealers. To search for vehicles in your area, simply select a state to the left.

Car Loans For Buyers With Bad Or No Credit Backgrounds!

In addition, UsedCarSale.com can assist those who need an auto loan. regardless of prior credit history. Good credit. and no credit are all okay with proof of a steady source of income. Whether you purchase a car here, or another online site, such as Craigslist. eBay, or Autotrader, or at your local car dealer, we can secure the cash you need to complete your purchase. Simply click on the Request Car Loan link to the left, and let us take it from there.

Add a Computer to Your Car with a Raspberry Pi #auto #parts #miami


#auto computer
#

Raspberry Pi Car Computer

Use the inexpensive Raspberry Pi to make an on-the-go, wi-fi enabled media center in your vehicle.

Raspberry Pi in my Ford Focus running Raspbian Wheezy.

I have always loved those old TV series with futuristic tech in those futuristic vehicles, like Knight Rider. Airwolf. and Street Hawk. So it got me thinking about how easy it would be to add a computer to a vehicle. Now I know it s been done before, and a quick Google search shows multiple companies making very complex vehicle computers, but at a large cost.

Well, I thought, my Raspberry Pi is the perfect device for this.

  • It s cheap
  • It s very small
  • It s got small power requirements (runs off a micro USB car charger)
  • It s got flexible video and audio outputs (HDMI and Composite RCA for video, HDMI and 3.5mm audio jack for audio)
  • And best of all, you can change operating systems by simply switching out SD cards.

Below is a photo of the Raspberry Pi running the excellent media center-type operating system Raspbmc  which is perfect for browsing and playing your media collection using a media center remote or something similar, as shown in the Parts list.

Raspbmc running on a Raspberry Pi in the car.

10 Steps for Selling Your Car – Kelley Blue Book #used #cheap #cars


#how to sell your car
#

10 Steps for Selling Your Car

    Step 1: Gather Your Car’s Information Step 2: Know Your Car’s True Condition Step 3: Decide Whether to Trade-in or Sell Yourself Step 4: Increase Your Car’s Resale Value Step 5: Set the Asking Price for Your Car Step 6: Create an Online Ad That Sells Step 7: Screen Potential Buyers Step 8: Use the Test Drive to Sell Step 9: Negotiate the Best Price for Your Car Step 10: Complete the Sale

Whether you’re looking to unload your car quickly or get the best offer for it, it’s smart to start with a little preparation. KBB.com is here to help, with tools and information for every step of the process: from determining your car’s value to setting your asking price to getting a firm online offer.

1 Gather Your Car’s Information

Many people overlook this step until the very end, but the selling process really starts with rounding up your paper work. The car’s title, service records and original sales paperwork are the big three.

Here’s why: While you may already know the basics (year, make, model, current mileage), you’ll need to know your car’s style (not just a 2003 Honda Accord, but a 2003 Honda Accord LX) along with optional features like keyless entry, a CD player, leather seats or navigation system. Options can bump up your car’s resale value, so be sure you have a complete list. If you want to see if you missed anything, check your original sales documents or the window sticker.

Finally, gather up as many maintenance receipts as you can find. “These days, regular oil changes are an even better indication of good upkeep than tune-ups,” says Dan Ingle, Kelley Blue Book’s Vice President of Vehicle Valuations and Industry Products. “If you changed your oil every 3,000-8,000 miles, in keeping with the manufacturer’s recommendations, that’s a good signal to a buyer that the car has been cared for.”

Tip:

If you don’t have your service receipts, ask your dealer, regular mechanic or oil change center if they can print a statement that summarizes your visits. This kind of information reassures a buyer that the car is in good shape, which can help you get a higher price.

Next Step 2: Know Your Car’s True Condition

Used Cars Under $3000 For Sale in Your Area. #detroit #auto #show


#used vehicles
#

Used Cars Under $3000

If you are on a budget and you’re searching for a reliable used car, you have come to the right spot. Finding the perfect used cars for sale is easy with FindCarsUnder.com. We offer the top pre-owned vehicle listings from across the country all in one simple to navigate location. Browse the listings below or refine your search to find the car, truck, SUV, or minivan that fits your needs.

Search Cars By Price

Auto Buying Advice
  • Used Ford Vehicles for Less Than $10,000 in Southeastern Michigan

Finding used ford vehicles under 10000 in Southeastern Michigan is easy with FindCarsUnder.com. It’s all about having the proper resource that simplifies the task and that just happens to be what we specialize in. We can help you find more used Ford – read more

  • Used SUVs Below $5000 in Grand Rapids MI

    It still maybe summer for now, but it’s never to early to find used SUVs under $5000 in Grand Rapids, MI that will help you make it through the winter. It’s no secret that once those cold winter months start to creep upon the state of Michigan that t – read more

    There a number of things people can receive step-step directions for, but you rarely find a mid size SUV buying guide to give you all the answers. That no longer has to be the case as we have created one for you that is capable of covering all the. – read more

  • Car Covers Custom Made for Your Vehicle and IN-STOCK #auto #transportation


    #auto covers
    #

    Find a custom cover:

    Do You Love Your Automobile? Protect it.

    Avoid Scratches, Dust, and Debris—Indoors and Out

    Scuff marks on bumper of car ↪ It’s easy to see how the environment can naturally cause damage to your vehicle, but often it’s mundane human action that causes serious damage to a car’s exterior. Maybe you’re moving a storage bin in your garage, and it swipes the door. Or you drop a screw driver while working near the vehicle, and it chips the finish. These little bumps and scratches can get expensive really fast, so we want to help you avoid them. By putting one of our products on your vehicle you’re helping to guard against these everyday mishaps plus the natural dust and debris that attack more slowly. And if you’re worried that the cover itself might harm the finish, please take note that our materials are specially designed to not scratch your paint job. For all-around performance both outdoors and in, take a look at the Technalon® Evolution® fabric.

    Protection from Sun

    Paint oxidation on rear spoiler ↪ The sun’s ultra-violet radiation will harm exterior paint jobs and the quality of your interior surfaces. Over time, UV rays oxidize paint, crack rubber, and distort and degrade plastics. When left unprotected, leather and other common upholstery fabrics degrade much more radidly after prolonged exposure to direct sunlight and heat. Save your vehicle and your money by putting a barrier between your automobile and the relentless assault from above. The best materials for solar protection are Sunbrella and Reflec’tect.

    Shield from Precipitation and Water

    Freezing rain can abrade a

    clear-coat finish ↪ Exposure to excessive moisture (especially in temperature extremes) can take a toll on your vehicle. In warmer climates, mold and other fungi will grow onto the surfaces of your car and possibly damage the finish. In cooler regions it’s ice, snow, and salts from the road that typically eat away at the exterior. If you’re driving every day, much of this damage is unavoidable, but if you winterize your car or take it out less frequently, a quality cover is a must-have. The materials with the best water resistance are WeatherShield HD. WeatherShield HP. and NOAH.

    Theft Deterrent

    Close-up Cable-lock kit A cover masks the identity of your car to potential vandals. It also hides any valuables inside that might attract or tempt thieves. Paired with one of our cover lock cable kits, your car should be safer than ever before.

    Honda Used Cars – Start Your Search Now! #used #auto #parts


    #used honda cars
    #

    Honda

    When Honda started selling vehicles in the United States in 1972, it was the first Japanese auto manufacturer to enter the US market. Through vehicles like the Civic, Honda quickly developed a reputation for reliable, affordable midsize cars. Honda’s success paved the way for other manufacturers to enter the US market, pushing American manufacturers to improve the quality of their vehicles.

    Honda’s more popular US cars consist of the Fit, Civic, Accord, Insight, CR-V, CR-Z, Legend and the Odyssey. An early proponent of developing vehicles to cater to different needs and markets worldwide, Honda’s lineup varies by country and may feature vehicles exclusive to that region. A few examples are the latest Honda Odyssey minivan and the Ridgeline, Honda’s first light-duty uni-body pickup truck. Both were designed and engineered primarily in North America.

    Today, Honda remains true to its commitment to manufacturing dependable, fuel efficient cars. If you’re looking for a quality vehicle that gets great mileage, you still won’t find many options better than the wildly popular Honda Civic and Accord. The manufacturer was the first to introduce hybrid cars to the mass market in the United States and continues to lead the way with hybrid versions of many of its models. Browse used Hondas below to find the right one for your family and take advantage of our powerful vehicle search feature to find the best deals on used Honda cars, vans and SUVs in your area.

    How to Buy a New Car – Start Your Engine #national #auto


    #buy a car
    #

    Buying a new car 101

    Buying a new car is one of the single biggest purchases you’ll make in your lifetime, and it’s natural to feel a bit overwhelmed or even confused about the details. The good news is that buying a new car doesn’t have to be overwhelming or confusing; there is more information available than ever before and if you use it to your advantage, the process isn’t so scary.

    Forget about sneaking off to the lots on your lunch break or having to compete for help on the weekends. Forget about feeling intimidated by the dealer and let NewCars.com help you join the online car buying revolution. Our informative How to Buy a New Car series has helpful tools and resources that will help you get through the new car buying process without the new car buying headache.

    The car buying process has evolved a lot in recent years, due in large part to the growth of the Internet. Fewer people are going into the dealerships uninformed, because they are figuring out how to buy a car quicker and easier by doing research and gaining knowledge from websites like NewCars.com.

    Our new car buying guide provides the buying tips and information you need to help save you money. Our series also tackles car buying dilemmas like deciding between a loan or a lease. dealing with your trade in. negotiating with the dealer and finding up-to-date rebates and incentives. just to name a few. Some sections have fun and useful videos that explain the topic in greater detail. When you’re done doing your research, get started by finding your desired car and requesting a free, no-obligation Internet price quote that will begin your hassle-free negotiation with the dealer.

    Your new car is out there and we’re here to help you find it!

    How To Wax Your Car to Perfection #cars #for #sale #under #1000


    #auto wax
    #

    CLEAR NANOTECHNOLOGY POLYMER COATINGS

    In 2007 a brand new type of automotive surface protection was created by Ultima Finish Care, the clear sealant. Ultima clear sealants are nanotechnology polymer coatings that are highly resistant to detergents, acids and hard minerals, like calcium.

    Don’t let the nanotechnology jargon confuse you. The chemical simply creates a full molecular blanket of protection by using molecules, that are much smaller than water or acid molecules, that bind together to form what looks like a chain link fence of protection.

    Ultima Finish Care is the first and only company to offer a full range of clear sealant products for complete protection of your automobile.

    The animation above is how Ultima explains their nanotechnology coating. The most important fact to understand is how the product blocks the harmful elements that cause oxidation and other environmental paint damage. By creating a tough barrier that is many times smaller than water and acid molecules, these harmful elements cannot penetrate the Ultima coating.

    WHAT DO AUTOMOBILE CLEAR COAT FINISHES REALLY NEED?

    If the purpose of the clear coat is to add depth and gloss to the final paint finish, wouldn’t it be counterproductive to apply anything that does not buff out to be as clear as the clear coat itself?

    Carnauba wax in its natural form is not clear. It creates a dull, milky white film on the leaves of the palm tree from which it is harvested. Have you experienced the white stain residue most Carnauba waxes leave in cracks and crevices after waxing? It follows that Carnauba wax will distort the perfectly clear appearance of a new or well-maintained clear coat finish.

    What the modern clear coat finish requires is proper cleaning and light polishing to remove fine cobweb scratches and swirl marks, and clear, durable protection. Carnauba wax cannot meet this demand. My personal recommendation for all cars with a clear coat finish is Ultima Paint Guard Plus Paint Sealant .

    CAR WAX SUMMARY

    Regular auto wax care is necessary for protecting your car’s paint from the elements. In addition to sealing and protecting, car waxes and auto sealants also improve the appearance of freshly washed and polished paint. If you use the right products, you can successfully layer waxes and sealants to make your paint look deeper and almost liquid .

    Repair or Replace Your Windshield the Right Way #auto #air #filters


    #auto windshield replacement
    #

    Repair or Replace Your Windshield the Right Way

    1 of 3

    When faced with replacing a windshield, many car owners default to the lowest-price option. But if you take this route and are in a serious accident, your decision could cost you your life.

    An incorrectly installed windshield could pop out in an accident, allowing the roof to cave in and crush the car’s occupants. Furthermore, when the front airbags deploy, they exert a tremendous force on the windshield and will blow out one that is not firmly glued in place.

    “There are a lot of schlock operators” installing windshields, says Debra Levy, president of the Auto Glass Safety Council, which offers certification for installers. She says using original manufacturer’s glass is a plus, but choosing a good installer is even more important. To find a certified shop, visit Safewindshields.org and type your ZIP code into the box at the top of the page. Certification is valuable because it keeps installers up to date on advances in adhesives and changing automotive designs.

    David Beck, one of two technicians at Windshield Express. near Salt Lake City, installs eight windshields a day and has been working in the auto glass business for 18 years. Beck agrees that certification is important and warns that there are many “tailgaters” installers with no brick-and-mortar shop who quickly “slam” windshields into cars with little regard for safety. They don’t handle the windshield correctly, don’t use the proper adhesives and leave the car unsafe for driving and prone to rusting and leaks.

    “The thing I wish that drivers knew was that the windshield is the No. 1 safety restraint in your vehicle,” Beck says. The windshield is two sheets of glass held together by an inner layer of strong vinyl. When the windshield breaks, the vinyl holds the glass in place rather than allowing the shards to fall into the car and cut the occupants.

    The windshield is a layer of protection that “keeps you inside the car and things out of the car,” Beck says. “This is not the place to cut corners on and go with the cheapest price.”

    Steve Mazor, the Auto Club of Southern California’s chief automotive engineer, adds that if the windshield isn’t strong enough and an occupant is thrown from a speeding car, “the odds of survival are much less.” Thirty percent of all fatalities, he says, are due to people being ejected from the car.

    An investigation by the ABC News program 20/20 on windshield safety shows technicians incorrectly installing windshields by not wearing gloves. The grease from their hands prevents the adhesives from bonding correctly, Beck explains. Another error that 20/20 caught was technicians failing to use all the necessary bonding agents, such as primer.

    When you are looking for a good windshield installer, Levy recommends calling three shops and asking a few qualifying questions beyond just price and certification.

    Levy says to ask the shops if they use original equipment glass, which is usually of higher quality and fits better. Also, she suggested asking how long the car should sit after the installation is complete. “If they say you can take the car right away, you should run in the opposite direction,” Levy says. A car should sit at least one hour before being driven and sometimes up to 12 hours, she says.

    Beck says if you take your car to a dealership for a windshield replacement, it will just subcontract the job to a glass shop and then mark up the price about 30 percent. He recommends going directly to the glass shop to save money. However, when a car is new, the dealership might be the only place to stock the glass, as was the case for a 2011 Infiniti M56 Edmunds long-term test car where the windshield replacement cost $1,300.

    Most windshield installation jobs take only about an hour and can be done at your home or office, Beck says. Once the installer is finished, check for signs that the job was completed correctly. Make sure the molding is straight and that there is no sign of adhesives visible inside the car, Beck says. The car should be clean inside. Debris or dirt left in your car could be the sign of sloppy workmanship, he says.

    In some cases, a rock chip or star in the windshield can be repaired, saving you the cost of a new windshield. Mazor says some installers claim that cracks can be repaired even if they’re up to 15 inches long, but only if they intersect just one edge of the windshield.

    Beck says rock chips, which he also fixes, are easier to repair when the damage has just occurred. Over time, rain washes dirt into the crack, making it harder to seal. He suggests carrying a roll of clear tape in the glove compartment to quickly cover a crack until it can be fixed.

    Beck injects polymer into rock chips and cracks. After the polymer cures, he smoothes the area so it doesn’t affect the travel of the windshield wipers. Beck says that if he gets to the repair within a week of the damage, he can generally make it disappear. Windshield Express’ owner, Bryan Petersen says his rate for rock chip repairs is $29.95 for mobile jobs and $19.95 in the shop.

    In the Los Angeles area, the rates for windshield repairs are higher in the range of $65. Windshield repair kits are available at automotive stores for the do-it-yourselfer, but they don’t do the job as well as the professionals can do it. The pros have better equipment and much more experience.

    The Auto Glass Safety Council’s Levy says studies show that windshield rock chips or cracks that are in your field of vision can actually slow your response to emergency traffic situations. She also says that old windshields that are pitted or hazed should be replaced even if they are not broken since they can magnify the glare of the headlights from oncoming cars at night.

    Mazor says that a new windshield might be cheaper than you would think. In many cases, windshield repair is covered by car insurance (under your comprehensive coverage not collision). The deductible for comprehensive coverage is sometimes only $50 or $100, so that would be the cost of a new windshield.

    Your Auto Source Inc – Used Cars – York PA Dealer #auto #loan #rate


    #auto source
    #

    Welcome to Your Auto Source Inc

    Your Auto Source, Inc. is also a family-owned, used car dealership focusing on luxury pre-owned vehicles with over 25 years of experience! We include a 3 month powertrain warranty on each of our vehicles as well as free lifetime-inspections when you purchase the vehicle here at Your Auto Source! Your Auto Source, Inc. is founded on trust, integrity, and respect. We are proud to offer these values in our sales and business practices so our customers keep coming back. The vehicles on our lot have the best prices and quality in the area so come by and see us today!

    We are a family-owned business delivering honest and professional automotive repair and auto maintenance services to the people of York and surrounding areas. The quality ASE (Automotive Service Excellence) certified technicians at Your Auto Source, Inc. employ today’s latest automotive technology and are equipped to handle all major and minor repairs on foreign and domestic vehicles.

    Come by and visit our clean and professional dealership & repair shop in York, PA.

    Your Award-Winning Columbus Subaru Dealer #ppg #auto #paint


    #byers auto
    #

    Byers Subaru Dublin is a New & Used Subaru Dealer Serving Columbus, Ohio

        

    Byers Subaru Dublin has the new or used car you have been searching for at a price you can afford.  With a friendly and helpful sales staff,  highly skilled Subaru mechanics and multiple automotive certifications, Byers Subaru Dublin is your new Subaru dealer serving Columbus . Upper Arlington, Powell and Delaware, OH areas. Our mission is to make every customer a customer for life by consistently providing world class services. Superb customer care, competitive prices and a knowledgeable staff are a few of the things you will find at our new and used Subaru dealership. Visit us today and take a test drive in your dream Subaru or give us a call. We are located a short drive from Dublin. Westerville and Hilliard .

    Let an expert from our sales team go over all of the features of your favorite Subaru. Drivers choose Byers Subaru serving Dublin  because we are committed to leaving you 100% satisfied with your purchase. With everyday low prices and a huge selection of new Subaru cars in Columbus to choose from, save time and money by visiting Byers Subaru first. We feature all of the most popular new Subaru models including the ever popular Outback . Legacy and Impreza . utility options like the Forester and XV Crosstrek . and the sporty WRX and BRZ .Contact our sales team right now by phone to discuss any new Subaru available.

    If a clean, meticulously maintained used car in the Dublin, Westerville, Hilliard or the Columbus, OH area is what you seek, buying from the extensive selection of used cars in Columbus at Byers Subaru Dublin will make your friends think you dropped a bundle on a brand new vehicle, while you enjoy the cash you saved and cruise your neighborhood streets in style. We won’t tell! Are you searching for a specific vehicle year, color, model or style, and don’t see it here on our website? Let our excellent vehicle locator service get it for you – just fill out the Car Finder form right now and sit back while we do the work. One of our friendly sales people will contact you when we locate your desired vehicle.

    Subaru Parts, Repair and Leases in Columbus

    Once you find the new or used car in Columbus you’ve always wanted, Byers Subaru Dublin can help with the auto financing. We can get you the car loan or Subaru lease in Columbus that fits your budget. We have an expert car finance staff to help you acquire the new Subaru lease or auto loan in Columbus today. If you’re worried about your credit, let us do what we can to get you the Columbus car loan and auto financing that makes sense for you.

    Get Subaru car repair in Columbus and auto parts from the folks you can trust at Byers Subaru Dublin. There’s a reason why we are a preferred destination for repairs and service for so many around Columbus. It’s because of our superior service, trained car repair mechanics and access to original Subaru car parts . Visit us at 2455 Billingsley Rd and join the thousands who already rely on us for their automotive needs.

    All of the employees at Byers Subaru Dublin   would like to thank you for your interest in our dealership.  Call us anytime or visit us in person at 2455 Billingsley Rd in Columbus, OH 43235 . We look forward to having the opportunity to earn your business.

    Byers Subaru Dublin on the North Side of Columbus, Ohio just off Sawmill Rd. and 270, treats the needs of each individual customer with paramount concern. We know that you have high expectations, and as part of the Byers Family of Dealerships we enjoy the challenge of meeting and exceeding those standards. Allow us to demonstrate our commitment to excellence as we have for over 100 years in Columbus!

    Our experienced sales staff looks forward to sharing with you why Subaru vehicles are the best value in the automotive marketplace. We have a great selection of new and pre-owned Subaru’s, including the Forester, Impreza, WRX, Legacy and Outback. Please explore our online inventory, schedule a test drive and investigate financing options. You can also request more information about a vehicle using our online form or by calling toll free: 1-888-899-3390. Local customers can reach us at 614-792-2455. If you don’t see a particular vehicle, click on the CarFinder link and complete a no-obligation form and we will notify you when your vehicle arrives at our Dublin Subaru new and pre-owned Subaru dealership.  We will gladly email or call you when your matching car arrives. If you’d like a see a vehicle in person, click on Dealership: Directions for step-by-step driving instructions to our location, or give us a call. Our commitment to you and relationship with you do not end once you purchase your vehicle!

    We are proud to have THE Best Subaru service, parts and sales department in the region.  We will provide you with prompt and thorough explanations on any service or parts needs you may have.  The mission of our service and parts department is to repair your vehicle promptly and professionally and get you back on the road as quickly as possible. Remember we are easy to find, since we are located off 270 and Sawmill Rd. Just Look For The Windmill!

    We look forward to serving you!

    View Models in Our New Subaru Showroom:

    Your Money: Car loans are cheap, but shop around #auto #parts #for #sale


    #auto loans rates
    #

    Your Money: Car loans are cheap, but shop around

    Story Highlights

      Bargain car loan rates are hovering around 3% or so now You need a good credit score to snag one Some loans now go up to seven years

    100 CONNECT TWEET 9 LINKEDIN 12 COMMENT EMAIL MORE

    It’s hard to beat the thrill of jumping behind the wheel of a new car at the North American International Auto Show, especially if your clunker is already 9 or 10 years old.

    But how exciting is a car loan? Just itching for another monthly payment? Yeah, right.

    The hot news about car loans this year, though, is that rates are lower than last year — so shopping around for car loan could prove invigorating when you snag a real deal.

    “We’ve never seen rates this low” in the surveys of banks and credit unions, said Greg McBride, senior financial analyst at Bankrate.com .

    Bargain car loan rates — both for used and new cars — are hovering around 3% or so now at banks and credit unions.

    Plenty of carmakers are offering 0% and 1.9% financing on several models, too. But make sure to run the numbers on various online calculators to determine whether you’d be better off taking a cash-back rebate than 0% financing, if given a choice.

    In mid-January, the average new car loan rate was 4.15% for a five-year new car loan at banks and credit unions surveyed by Bankrate.com .

    The average used car loan rate was 4.77% for a four-year used car loan, according to Bankrate.com.

    “We’re in a prolonged low-rate environment, and I don’t think they’ve bottomed yet,” McBride said.

    Another trend: Some lenders are offering new car loans that go beyond five years, say 72-months, and a few are rolling out 84-month car loans.

    Comerica’s 3.99% rate, for example, applies to 60-month and 72-month car loans.

    Melinda Zabritski, director of automotive credit for Experian, said some consumers with lower credit scores can qualify for a more expensive new car if they opt for a six-year loan instead of five years.

    Some consumers with higher scores opt for seven-year car loans to buy luxury brands, she said.

    “A lot of it is an effort to make some expensive vehicles a little more affordable on a month-to-month basis,” Zabritski said.

    Be warned, though: Dragging out a car loan to six or seven years drives up total interest paid for a car; and a consumer risks owing more on the car than it’s worth when it comes time to sell.

    Another warning: If you don’t shop around for a car loan rate, though, it’s easier to get taken for a ride on rates.

    “We see greater disparity in auto loan rates than any other product,” McBride said.

    Lenders often decide what kind of market share they want in the auto loan business and price their car loans accordingly. And yes, many realize that consumers don’t shop for car loans as diligently as they should.

    Does that mean everyone gets a car loan at less than 5%? Absolutely not. Rates vary by credit history.

    The Detroit-based Communicating Arts Credit Union had received an initial $1.5 million federal grant in November 2011 to develop a bailout program for people who have extremely high car loan rates.

    As part of that program, the credit union had 34 auto bailouts that had original car loan rates in excess of 19%. One customer refinanced a rate of 25% to 3.25%.Other customers refinanced rates of nearly 25% to a range of 9.5% to 12.5%.

    Going to 5% from 25% would drop the monthly payment to $188.71 from $293.51 on a five-year, $10,000 car loan.

    Hank Hubbard, president and CEO of the Communicating Arts Credit Union, said many times shoppers don’t realize they have alternatives. Some old loans may have been made during the credit crunch.

    We’ve swung from one extreme where anyone could get a car loan during the economic boom to another extreme where lenders were paranoid about making loans to creditworthy consumers during the financial meltdown.

    Now, “Lenders are certainly making loans available,” Experian’s Zabritski said.

    Typically, Toprak said, someone with a 620 credit score could be getting a rate of 8.9% or higher now; while someone with a 500 credit score could be offered 13.9% now.

    100 CONNECT TWEET 9 LINKEDIN 12 COMMENT EMAIL MORE

    Used Car Loans to Finance Your Vehicle from Nationwide #used #car #search #engine


    #auto loans
    #

    Banking Resources arrow expand

    Nationwide

    New Auto Loan Used Auto Loan Auto Loan Refinance

    CONTACT US FOR ASSISTANCE

    Call 1-877-422-6569 8 a.m. – 11 p.m. ET Monday – Thursday 8 a.m. – 9 p.m. ET Friday 9 a.m. – 5:30 p.m. ET Saturday

    Apply for Used Car Financing With Nationwide

    Current used car loan interest rates

    APR subject to change. Fixed rate terms up to 48 months require a minimum amount financed of $50,000 to obtain the lowest APR. Fixed rate terms of 60 months and beyond require an amount financed between $25,000 and $49,999.99 to qualify for the lowest rate. See below for payment examples. APRs shown assume excellent borrower credit and a 1% discount for automatic ACH payments. Rates will be 1% higher if automatic payments are not selected or cancelled after loan closing. Loan is subject to approval. Additional terms and conditions may apply.

    Payment examples: A 48 month loan for $50,000 at 3.58% APR would have 48 monthly payments of $1,119.58. A 60 month loan for $25,000 at 2.99% would have 60 monthly payments of $449.11.

    LEARN MORE ABOUT OUR USED AUTO LOANS

    Many banks charge a different rate for a used auto loan or don’t offer loans for them at all. At Nationwide Bank, we offer the same great rates for new, used and refinance car loans. And we’ll be with you every step of the way.

    • Find helpful advice and calculators from our Auto Loan Resource Center . 
    • Apply online anytime, anywhere from your computer, tablet or smartphone. 
    • Get preapproved for your loan so you can negotiate a better price on your car with the seller. 
    • Use Nationwide Auto Shopping Service to be confident that you’re getting a fair price on your car. Research used cars and certified pre-owned cars to find out what others in your area have paid, then get a guaranteed savings certificate to take to the dealer. 
    • Tell us the date that works best for your automatic loan payments, and choose to pay a bi-weekly or monthly payment. There’s no extra charge for bi-weekly payments.

    Gather the information below, and get started today!

    Here’s what you’ll need to apply for an auto loan. You must be at least 18 years old and a U.S. citizen or legal resident to apply. Be sure to check your credit and resolve any disputes on your credit report. If applying jointly, both people should request a credit report before starting the application.

    Nationwide Bank takes your privacy seriously. To protect your information, we will also verify your identity.

    Used Cars – Find your next second hand car – RAC Cars #online #auto #parts


    #second hand cars uk
    #

    Used Cars

    Welcome to RAC Cars

    It’s quick and easy to find your perfect car with RAC Cars. Search for a used car by searching for listings from Used Car Dealers or Private Sellers.

    Popular Brands

    Here is a list of the most popular cars advertised on RAC Cars. You can either select a manufacturer from the list below to start your search or you can use the advanced search filter in the left hand navigation.

    Help and advice on buying used cars

    RAC Cars second hand cars

    If you’re looking to invest in a new vehicle, there’s a large number of great options at RAC Cars. Our online listings contain ads from not only professional used car dealers, but also a large variety of private sellers with 2.5 million cars in total per year.

    Our extensive range of search options make it easy to find what you’re looking for, whether it’s a new family car, or something to get away in over the summer. Filter by price, age, manufacturer and more, or browse through our extensive catalogue via dealership locations throughout the UK.

    Approved Dealers

    So how can you be sure that you are buying a quality used car? At RAC, we work hard to look after the best interests of our customers and we go to great lengths to make sure that the cars we list are of a high standard:

    • RAC Dealers provide a complimentary 3-month warranty and breakdown cover, while RAC Approved Dealers also prepare all of their vehicles to our specialised 82-point standard and provide a full history check
    • Our franchised dealers are associated with their respective manufacturers and maintain cars to franchise standards. There are also independent dealers who can be privately owned and may offer benefits such as warranties, breakdown cover and multi-point checks, so make sure you review this before you buy a new second hand car
    • RAC Cars also helps motorists connect to each other using our free private listings. To help provide additional confidence to buyers, we’ve also introduced the RAC Passport for sellers, which provides a history check of the car along with any significant warning, MOT details and service history, as well as an independent What Car? Review. Look out for private car listings that provide access to their Car Passport for added confidence about the car

    Vehicle Inspection and car history checks

    When you’re looking to buy a second hand car, it’s important to make sure there are no nasty surprises waiting for you after the sale, which is why doing a thorough vehicle inspection and checking the history of the car is so important. The RAC Car Passport is the most comprehensive vehicle check in the uk and will help you discover any discrepancies that might be hidden beneath the surface of the car’s history. it will tell you whether or not there’s any outstanding finance, if it’s been scrapped, written off, stolen or if we have found any mileage discrepancies.

    In addition to the history of the car, you also need to make sure everything is in working order on the vehicle with a comprehensive inspection. It can be easy to be fooled into buying a faulty car if you’re not aware of the ways in which problems can be disguised. To help you when you’re looking at used cars, we’ve provided a little guidance below on things you can look for yourself, but if you need help in the process you can call on the RAC’s vehicle inspection service.

    Start with the exterior. Check paintwork for consistency, as this can be a sign of repainting; bubbling also indicates rust. Check that all doors and windows open smoothly, and that tyres aren’t worn down on one side (possibly an uneven suspension).

    On the inside of the car, you should check for signs of wear – this will probably go hand-in-hand with a high mileage, which might also show on the odometer. Test the car’s functionality, such as the seatbelts and all the electronics. Check to make sure that all of the warning lights work when you turn the engine on and that all of the lights work properly.

    You can also check the fluid levels in the engine for oil, coolant, brakes and clutch. If they’re not topped up at the right level, you might want to ask yourself how long this has been the case and what damage might have been done as a result. You should also check to see if there are any leaks from the engine or gearbox.

    It also important to weigh up some of the other options when choosing to buy a car too – such as how you are going to pay for it. There are a great deal of choices, like car loans and paying back in instalments, trading in your old vehicle for a discount, or temporary hire. you might also want to verify the going rate of a car before you buy it with the RAC Cars car valuation tool.

    Use Our Auto Insurance Calculator To Calculate Your Insurance Rates #advance #auto #zone


    #auto insurance calculator
    #

    Calculate Your Auto Insurance Rates

    Automobile Insurance Calculators: How To Use Them and Why They re Important

    Shopping for auto insurance, as little as 10 years ago, used to be quite a fiasco. Finding appropriate coverage at a price you could afford certainly wasn t as easy as it is today. Not only do we now have access to a seemingly endless library of information on the subject, but there s also a variety online tools that make it easy to pinpoint the best deals on car insurance. Automobile insurance calculation programs, like the one on 4AutoInsuranceQuote.com, are one such tool.

    What is a car insurance calculator?

    The best way to explain how these babies work is to show you firsthand. Right at the top of this page is a tool you can use to calculate your insurance costs and to compare insurance quotes. You can try it out right now if you d like, and it only takes a few minutes. However if you aren t that adventurous, let me explain further, before you give it a test run.

    Automobile insurance calculators are used to help consumers, like you, determine how much auto coverage you need. and what features are most appropriate for you. Better yet, you ll be connected with multiple car insurance providers, offering their most competitive rates.

    How Do They Work?

    Insurance calculators were designed with simplicity and ease of use in mind so that everyone could use them. Within moments you ll end up a handful of highly qualified insurance providers to choose from, but first you need to tell the calculator what to look for.

    Calculate Your Car Insurance Online in 3 Easy Steps:

    1.Fill Out Our Short Form You ll then be asked to provide some very basic details about yourself, and it starts by entering your zip code above (five digits in the United States). This information will be used to determine state insurance requirements. and to match you with auto insurance companies, but local and national.

    2.Compare Quotes – The insurance tool begins by creating an auto coverage package that fits your unique style and needs. With the best of the best to choose from, making a decision on auto insurance is stress-free.  After all, you can t go wrong if every insurance company you are comparing is both affordable and reputable!

    3.Start Saving – You ll finally be presented with a handful of quotes. Special discounts, special features, and other savings will automatically figured into the price. With our car insurance calculator, it isn t unusual for drivers to save 30% or more on their auto insurance premiums.  You just have to test it out!

    As you can see, insurance calculators are much faster than the traditional way of buying auto coverage. Calling multiple insurance companies, just to wait on hold, or visiting many local insurance offices, which could take days, are things of the past. When car insurance companies have no choice but to offer you their best rates, you will save a lot of money.

    Additional Resources:

    • The Hartford their coverage guide can help determine the right auto insurance coverage for you
    • Yahoo Determine an insurance coverage level that is right for you.
    • Liberty Mutual  Consider these factors when choosing coverages and policy limits.

    Related Articles:

    • How To Compare Auto Insurance Quotes You now know how easy it is to get a handful of auto insurance quotes in a matter of minutes, but how
    • Auto Insurance for Senior Citizens As we get older, and start nearing our golden years, the need, desire, and ability to drive a car often times begins
    • How To Switch Auto Insurance Companies Switching insurance companies is something that we all have to do at some point in our lives. Whenever your insurance policy is
    • Budget Auto Insurance Finding the money to pay for auto insurance isn’t always easy, and let’s be honest, there are countless other things you’d rather
    • Auto Insurance Company Ratings There are countless auto insurance companies to choose from. So how do you know which auto insurance company is best to sign

    The best autos ranking site to help you find your perfect car #discount #auto #parts #store


    #auto s
    #

    Autos.com editors have compiled the most extensive rating database on the internet, drawing upon $20 million of automotive research from CarsDirect and Autodata, and summarizing expert opinion from an extensive group of the leading third party sources. Here is a brief overview of how we do it:

    Professional Reviews Ranking: Autos.com editors analyze car reviews from a range of magazines and websites, distill each down to a quantifiable ranking and then average those rankings to arrive at the Professional Review Rank.

    Other Rankings: Autos.com also ranks vehicles based on criteria such as fuel efficiency, cargo capacity, and comfort and convenience features. You can see some of the data that we have used to rate each vehicle in any given category by expanding the category header on the vehicle detail page. For example, click on the arrow next to “Passenger Space” on the Honda Civic detail page to see the actual measurements for that vehicle’s interior. These measurements were stacked up against the interior measurements of all the other vehicles in the compact car segment in order to calculate the Honda Civic’s rating in the Passenger Space category. That rating is then used to determine the Honda Civic’s overall ranking in the compact car category.

    Prime Choice – Your Source For Auto Parts #quality #used #cars


    #prime choice auto parts
    #

    Get High Quality Auto Parts At Low Prices!

    Don t compromise on customer service or quality, shop with Prime Choice today and save. Prime Choice is your online source for high quality, low cost auto parts. Save more by shopping with us today!

    Factory Direct Pricing Saves You More

    Looking to get the absolute lowest prices for your replacement auto parts? When you shop with Prime Choice, that s exactly what you get. We re more than just a regular parts retailer, we re a wholesaler and manufacturer. that means our price will always be lower than the competition!

    Leading The US With High Quality and Low Prices

    Before any one of our top quality auto parts is shipped, the orders are inspected by hand to ensure the utmost quality and accuracy in getting you the parts you need. As the manufacturer and wholesaler, we are able to ensure that each part is built to precise vehicle specific fitments for quality and longevity. Free shipping on most orders ensure that when your order leaves our 100,000 square foot state of the art warehouse, you get your parts fast and hassle free!

    Customer Service That s Here For You

    Our amazing team of customer service reps are here for you! We work hard to ensure that most of our orders are shipped same day. With nearly 40 years in the automotive industry, we re proud to offer our outstanding auto parts from our warehouse in upstate New York. Shop with us today and save!

    All prices shown in US Dollars (USD)

    Japan Auto Services – NEW CARS, USED CARS, LEASES – Your one-stop for all automobile services #buy #car


    #japan auto
    #

    We specialize in selling all types of cars with great care!

    Reasonable Cost:

    • We specialize in selling both new and used cars .
    • We have specialist on staff and take great care to examine each car before its sold to the public.
    • We are a family oriented business and take grade pride in the car’s we sell.

    Save Time:

    • Purchase a car without ever setting foot in our showroom.
    • We will hand deliver, to you, your new car.
    • Your new car will come registered with new license plates.

    In Addition:

    • Staying in the US for a short time on a Visa? We can help you get the most return for your money with our buyback program. Speak with your salesperson about the buyback program.
    • We provide the information for the operation and maintenance of your new or used car .
    • We have experience with first time buyers and can help.

    No other dealer or leasing agent in the United States provides services like those of our company.

    When you think of leasing, purchasing, exchanging, or selling a car, we would love for you to entrust your business to our company.

    Please contact us. We welcome discussing your needs.

    How Much Should Your Car Repair Cost? #used #auto #body #parts


    #auto repairs
    #

    How much should your car repair cost?

    More On Cars:

    “auto”

    Two of the most comprehensive websites for car-repair costs are AutoMD and RepairPal, which are both free to use. Launched in 2010, AutoMD is owned by US Auto Parts, an online auto parts retailer. It is staffed of a team of automotive data specialists and certified auto mechanics, using data based on average labor costs by ZIP code, time to repair and real-time pricing data on parts. RepairPal was founded in 2007 by a group of auto enthusiasts and entrepreneurs. It creates its estimates based on real-world data, including actual car-repair invoices, labor rates and parts costs.

    Both AutoMD and RepairPal offer repair cost estimates based on ZIP code for regular maintenance as well as car repairs, with pricing estimates at a dealership or an independent mechanic. AutoMD also adds cost estimates for do-it-yourselfers.

    Testing with sample repairs on each site showed that the estimates were in the same range on both sites. RepairPal’s estimate provides a range for the overall cost as well as breaks down ranges for labor and parts. The AutoMD repair estimate is more comprehensive, also containing the exact time estimate for the car repair as well as the labor rate and parts costs at a dealer and an independent mechanic. As a result, it makes it easier for the consumer to make adjustments if the labor rate at a shop is higher or lower.

    Consumers can easily print out the estimate to show to a mechanic. For those who are in need of a mechanic, both sites provide a comprehensive list of shops based on the ZIP code entered. RepairPal’s list shows the shops on a map and provides shop details such as hours, specialties and reviews. AutoMD’s list takes things a step further, showing how many AutoMD users have requested quotes from the business and the type of quotes, and it shows the number of mechanics. It also specifies whether the shop uses Mitchell or Chilton labor standards and if it installs parts shipped by AutoMD partners.

    While these sites help arm consumers with solid information to help ensure they are not getting taken advantage of, consumers still need to decide between using a dealer or an independent shop and whether it makes sense to save a few dollars by using aftermarket parts instead of original equipment parts.

    Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter .

    2015 Subaru Forester – Your Adventure Awaits – Roseville Automall #usa #auto


    #roseville auto mall
    #

    2015 Subaru Forester – Your Adventure Awaits

    Unforgettable experiences and adventures await the fortunate few like yourself; the future owners of the 2015 Subaru Forester.

    Available with up to a 2.5 liter 250 hp DOHC engine rated 32/25 mpg hwy/city, the Forester has plenty of power to get you where you need to go and back again.  It’s smooth six speed transmission, Vehicle Dynamics Control (VDC), Traction Control System (TCS), and 4 wheel disc brakes add exhilaration, control, and confidence to your driving experience regardless of the terrain or driving conditions.

    Part of owning a Subaru means trusting us with some of your most valuable possessions; which is why Subaru continuously pushes safety standards beyond the minimum required. Available Eyesight Driver Assist, Blind-Spot Detection, Lane Change Assist, and Rear Cross Traffic Alert use the latest in radar sensor technology systems to create an invisible barrier of protection for you and your family. Keep in mind these should never replace exercising sound judgment and safety when operating your Subaru, but it’s nice to know someone else is looking out for you and your family.

    Owning a vehicle is more than just transportation from here to there.  It’s become an essential part of your life.  That’s why so many people love their Subaru Forester.  It has just the right combination of agility, speed, room, and comfort that you recognize only Subaru can deliver.

    Go ahead; make the short trip to the Roseville Automall where you can test drive the new 2015 Subaru Forester and start making memories of your own to last a lifetime.  Where will your Subaru adventure take you?  Only you know the answer to that question.  All we know is every adventure has a beginning. Yours starts here at the Roseville Automall, your premier choice for new and used cars in the Sacramento area . Turn your attention to the experts of the Roseville Automall.

    The Roseville Automall – Driven To Be The Best.

    Car Insurance Quotes – Compare Online for Your Best Car Insurance Rates! #classic #autos #for #sale


    #insurance quotes auto
    #

    Looking for Car Insurance Quotes Online?

    CarInsuranceQuotes.com makes comparing car insurance quotes from different insurance providers fast and easy!

    It s simple: If you drive a car, you need car insurance. Almost every state in the U.S. requires that drivers have at least basic liability coverage. You should also consider additional coverages, such as uninsured motorist coverage, collision coverage, personal injury protection and comprehensive car insurance to make sure you re always prepared for the unexpected.

    Depending upon your circumstances, you may need more than just the basics. We help you find the right insurance rates that meet all of your needs. Simply provide us with some basic information and we ll deliver free car insurance quotes for you to compare and consider.

    We cater to both the newly insured and those switching policies

    If you re buying insurance for the first time, we help you find carriers with coverage plans that make sense for your situation.

    Already have auto insurance coverage? We can help with that as well by giving you quotes that may save you money.

    Regularly reevaluate your car insurance coverage

    Even if you think your current insurance coverage is fine, it never hurts to explore your options. Many things affect auto insurance rates, including:

    • Moving to a new state.
    • Getting married.
    • Getting a new job closer to home.
    • Your credit score.
    • Purchasing a new car that has modern safety features such as anti-lock brakes, air bags, and an alarm system.

    Taking a defensive driving course or just improving your driving record on your own may also affect insurance rates. Even buying a home can change what you pay in auto insurance.

    No matter your situation, it pays to shop around for car insurance quotes at least once a year. Insurance companies adjust rates all the time which means the amount you paid for coverage last year may be lower this year.

    How CarInsuranceQuotes.com finds great rates for you

    We make getting the lowest car insurance quote and comparing rates from insurance companies quick and easy. We respect your privacy, and always keep your personal information secure. All we need from you are answers to a few questions, such as:

    • Your age and gender
    • Your marital status and education level
    • Your credit rating
    • Your occupation
    • Your driving history, along with the history of other drivers in the household
    • Your vehicle make and model

    We also need your ZIP code and the best way of contacting you. We take it from there.

    We connect you with local and national insurance companies ready to provide quotes quickly and accurately, within just a few minutes. You receive information from multiple carriers, all by filling in one form on our site. Our free car insurance quotes come from many different insurance companies, including the nation s top insurers including Allstate, Farmers, Liberty Mutual, Travelers, and Esurance.

    Compare premium costs easily

    Comparing car insurance quotes can be confusing and frustrating. We make it straightforward and simple. The best way to find a great price is by looking at several quotes, all based on the same data input, side-by-side. This way you ll never pay more than you have to for auto insurance.

    Use our expert car insurance resources

    In addition to giving you quotes, CarInsuranceQuotes.com also offers expert news, information and articles about auto insurance to keep you informed. After viewing our resources, if you think you deserve better insurance rates, sign up for free car insurance quotes today.

    Calculate Your Car Loan Payments Before You Decide on a Car #national #auto #rental


    #payment calculator auto
    #

    Calculate Your Car Loan Payments Before You Decide on a Car

    If you’re in the market for a new car (or even a used car that you can’t afford to buy with cash), you’re probably also in the market for a car loan. While car loans are usually much smaller than mortgages and home equity loans, the auto loan payments can still take a decent-sized bite out of your monthly household budget.

    You therefore need to do your research in order to find the most affordable car loan with the most desirable payment terms. As part of that research, you’ll want to estimate what your monthly payments will be for various loan amounts at different interest rates.

    Regardless of where the financing for your automobile purchase ultimately comes from, your credit scores will factor heavily into the interest rate you pay on your car loan. Much like mortgage brokers, car dealers need to ensure that loan applicants are ready, willing, and able to pay off a line of credit, so if you want to get financing through a car dealer, their loan department is going to run a credit check on you. That means checking out your credit reports and scores from at least one of the three major credit bureaus.

    Car dealers find themselves in an interesting spot these days. They need to sell cars to stay in business, but their customers typically require loans to afford car purchases, and the consumer credit industry is still much tighter than it was before the Great Recession occurred.

    Because of this dynamic, car dealers may be more willing to provide financing to consumers with poor credit scores than banks might be, but the basic lenders’ rule-of-thumb still applies: The lower your credit score is, the higher your interest rate will be and the bigger your monthly auto loan payments will be.

    (Keep in mind that there’s another dynamic at play when you take out a loan of any kind. Your record of making, missing, or remitting late payments on that loan will appear on your credit report and factor into your credit score. Missed or delinquent auto loan payments can quickly drag down your credit score, which can affect your ability to renegotiate your car loan or acquire another line of credit.)

    There are, of course, factors beyond your credit scores that help determine the ultimate amount of your monthly auto loan payments, including:

    • Dealer or manufacturer rebates. Rebates are usually offered at the end of a model year, when car dealers and carmakers try to reduce their inventory of unsold cars.
  • Trade-in allowances. Car dealers generally put a cap on how much they’re willing to reduce the selling price of a car when you trade in your current vehicle.
  • Your outstanding trade-in balance. If you’re trading in a car to the dealership where you originally bought it, and you still owe money on that car, the dealer will factor that amount into your loan application.
  • The size of your down payment. Obviously, the more money you put down upfront, the less you’ll need to borrow. Smaller car loans often mean better loan terms, because the lender’s risk is reduced.
  • Gap insurance. Gap insurance is typically required when a buyer offers little or nothing in the way of a down payment, especially if the buyer has poor credit. This insurance also protects the buyer, though; if your newly-bought car is totaled due to an accident, flood, or other calamity, you won’t be on the hook for the outstanding auto loan payments. If you finance through a dealership, any required gap insurance premiums are typically included in your monthly payments.
  • The loan term. Auto loans typically require full repayment within three to five years.
  • Your interest rate. As noted earlier, your credit scores will be used to determine the general range of your interest rate, but the factors listed above will also play a role.
  • Regardless of where you finance your car purchase, negotiating a car loan and determining your auto loan payments can be a complicated undertaking. Before you choose your next car, much less apply for a car loan, you should make every effort to estimate your auto payments as accurately as possible to help you determine how much you can afford to spend on your car purchase.

    FreeScore ‘s Auto Loan Calculator below can help you estimate your monthly auto loan payments. Through the calculator, you can enter any and all of the applicable information listed above to figure out how much you’ll end up paying for a car loan, including the total amount of interest you’ll pay over the life of the loan.

    Auto Insurance online – How it protects you and your vehicle #auto #warehouse


    #online auto insurance
    #

    Topics covered

    Auto/vehicle insurance is where you pay a regular premium and the insurer compensates you for any financial loss that occurs if you get involved in an accident.

    Your basic policy should cover the following:

    • Bodily Injury Liability. This provides protection if the driver, policyholder, or the policyholder’s family member causes bodily injury to someone else.
    • Personal Injury Protection (PIP). If the passengers and driver of the policy holder’s vehicle are injured, PIP covers the cost of treatment and may also cover lost wages, cost of replacing services, and funeral costs. Search the internet for best auto insurance rates.
    • Property Damage Liability. If you or someone else permitted to drive your car damages others’ property, this coverage will protect you. When you look for free auto insurance quotes, make sure you will be covered under the Property Damage Liability coverage.
    • Collision coverage. This compensates for damage to the policy holder’s car as a result of collision with another car. Even if you are at fault, this term will cover the cost of repair to your car minus the deductible. If you are not at fault, then your insurer will try to recover the cost from the other driver’s insurer.
    • Comprehensive Coverage. Many of you may be asking yourselves “What is comprehensive auto insurance protection?”. If you suffer a loss due to theft or a damage caused by something other than a collision, like a fire, explosion, earthquake, or windstorm, then this protects you.
    • Uninsured/Underinsured Motorist Coverage (UM/UIM). Individuals who buy cheap car insurance are often underinsured and do not have enough money to pay for losses if they are involved in an accident. If an uninsured, underinsured, or hit-and-run driver hits you or your family member, this term will reimburse the cost of your damages. You will also be protected if you are hit as a pedestrian. When you buy car insurance compare quotes for UM/UIM coverage from different companies.

    What are the benefits of buying auto insurance online?

    With many companies offering online auto insurance quotes, it is easier for you to research the policies, terms, and conditions and compare them. You can also check the company’s auto insurance reviews to make the best choice.

    Here are 4 benefits you can get if you buy auto insurance coverage online:

    • Easier research: The internet allows you to do extensive research on various companies without having to visit each company. You can easily find the cheapest legal auto insurance online to suit your budget.
    • 24/7 service: This is the best part about looking for information online; you can find information when you need it.
    • Manage a policy: You can manage your policy, print out proof of coverage, and view/ manage your bill online.
    • Claim: You can even file a claim online and follow it up online.

    Top

    Which factors influence your auto insurance rates?

    When you apply for an auto insurance coverage, the company sends over your application to the underwriters. The underwriters evaluate the level of risk associated with an applicant, and accordingly approve and fix his/her rate or reject the application. The factors which are usually considered for the auto insurance underwriting process are:

    1. Age and gender of the driver
    2. Driving records/ history of the one to be insured
    3. Prior claims history
    4. Efficiency of the driver (driving education )
    5. Model, make and type of the vehicle
    6. Age of the vehicle
    7. Mileage of the vehicle
    8. Location (where it’ll be used )
    9. Purpose for which the vehicle is used (work, personal, pleasure or commercial etc. )
    10. How the vehicle is garaged
    11. Your choice of deductible, limits of coverage and benefits
    12. Auto insurance score

    To know how these factors affect your auto insurance rates, click here.

    Converting to a low cost policy

    Discount auto insurance schemes can help you convert your basic policy into a low cost auto insurance policy. You can find many cheap auto insurance quotes that will allow you to save money and provide adequate coverage. Take a look at few of the ways to save money.

    1. Safety measures. A few insurers offer discounts for safety measures like anti-lock brakes on used cars.
    2. Multiple policy rates. Some of the bigger insurance companies that provide different types of insurance offer “bundle” rates if you buy several kinds of insurance, like life insurance and homeowner’s insurance in addition to your car insurance.
    3. Safe driver’s discount. In many cases, insurers offer a safe driver’s discount if you go for a certain period without a ticket or accident, usually 3 years.
    4. Renewal discount. If you have been with an insurer for a long time, they might offer a renewal discount to get you to continue your current coverage.
    5. Discounts for students. If you are a student, unmarried, under the age of 25 years, and you meet the grade requirements, you may get cheap auto insurance.
    6. Choosing a higher deductible. If you choose a higher deductable, your premium payment will be less, but you will have to pay more if you have an accident.
    7. Type of car. The type of vehicle you buy is a factor your insurance agent uses to determine your auto insurance premium rate. The quotes you get for an expensive car will be higher than for a more standard car. The age and size of your car also determines how high your premium is.
    8. Good credit history. Maintaining good credit history may also entitle you to certain discounts.
    9. Low mileage discounts. Some companies may also offer certain percentage of discounts to individuals who drive less than the average number of miles each year. If you are one of them, then you may also get this privilege.

    Apart from the above, there are other ways to maximize your auto insurance benefits while minimizing costs. Learn more.

    Will your premium go up after you file a claim?

    Every insurer will increase the amount of your premium if you are involved in an accident. The increase is decided by the auto insurance company you purchased your policy from.

    If you have a bad driving record, your motor insurance company may refuse to renew your policy and varies from one company to another. Accidents caused by drunk driving are more likely to result in a non-renewal of your policy.

    If you decide not to inform your insurer about a minor accident, it may cause problems later. If you get sued by the other driver, your auto policy provider might not cover you because of the time lapse. Even if the claim is not refused, it will be harder to find evidence to support your case.

    No one can predict when they will get into an accident. Investing in automobile insurance, protects you and your family during accidents and from losing your license for driving without insurance.

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    Auto Dealers In Your Area.

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    Auto Financing: Practices To Avoid in Your Next Auto Loan #auto #insurance #canada


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    Fast Facts–Auto Financing

    What Are The Problems?

    Predatory practices in auto financing force consumers to struggle not only for a competitive and affordable car loan, but for a fair and honest one. Finding a good deal is often not based on the quality of the car or the creditworthiness of the consumer, but rather the consumer s ability to survive a financial shell game with one of the largest investments most people will ever make.

    Some known abuses include:

    Auto loan markups. Also known as dealer reserves, auto loan markups involve kickbacks from third-party lenders to auto dealers for steering car buyers into loans with subjectively higher interest rates. This practice alone adds $25.8 billion in hidden interest over the lives of many car loans.

    Yo-Yo sales. Also known as spot deliveries or conditional sales, Yo-yo sales are deals where the financing is not finalized until after the consumer has already taken the new vehicle home from the dealership. The sale becomes abusive when the dealer calls the consumer back to the lot to sign a new loan with a higher interest rate or other abusive charges.

    Loan packing. The practice by which dealers add various types of aftermarket, “add-on” products that are usually unnecessary and overpriced in order to increase the price of the vehicle or the amount financed.

    “Buy Here, Pay Here” dealerships. These dealers typically finance used auto loans in-house to consumers with no or poor credit histories. The average APR is much higher than a bank or credit union loan. These dealers use their higher default and repossession rates to operate much like payday lenders; churning the same used vehicle several times as the basis for their abusive business model.

    Auto Bill Of Sale Form. Available for Your State. #denver #auto #auction


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    Automobile Bill of Sale

    Form to use when buying or selling a vehicle like a car, van, truck or trailer in all states. Includes Odometer Disclosure Statement.

    60-Days Money Back

    When selling an automobile or any type of vehicle (truck, van, motorcycle, or trailer), an Automobile/Vehicle Bill of Sale is necessary to document the terms and conditions of the transaction and to protect your rights.

    This legal form is also helpful for accounting and tax purposes and includes the make, model, year, mileage, and vehicle identification number (VIN) of the vehicle. The buyer can use an Automobile/ Vehicle bill of sale to help prove ownership of the vehicle.

    An Odometer Disclosure Statement is also included in this Automobile/Vehicle Bill of Sale packet since federal law mandates that the seller state the mileage upon transfer of ownership.

    These important provisions are included in this All Automobile / Vehicle Bill of Sale:

    • Consideration paid: This provision states the amount paid for the vehicle and also can be used by the buyer to prove that valuable consideration was paid for the vehicle;
    • Seller’s and buyer’s name / address: Locates and identifies the parties to this sale in the event of a dispute;
    • Make/ Model/ Year/ Mileage/ Vehicle identification number: Identifies the vehicle being sold;
    • Ownership Covenant: Seller warrants that he/she is the true owner of vehicle and has the right to sell the vehicle;
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    Protect your Rights and Property, by using our professionally prepared up-to-date forms.

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    State Compliant: This form complies with the laws of your state.

    This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the “Sample Form” near the top left of this page.

    Auto emergency kits: find out what items to put in your car’s emergency kit. #mobile #auto #repair


    #auto emergency kit
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    Auto emergency kit:

    Find out what items to put in your car’s emergency kit.

    Auto emergency kit: how to assemble an emergency preparedness kit on your own.

    A basic tool kit (or emergency preparedness kit) might help you fix a problem that would otherwise leave your car stranded.

    For instance, what if the problem is as simple as a loose battery cable? Having a screwdriver or a wrench will get you out of that situation in no time.

    The older your car is, the more likely a tool kit will come in handy. If your worn radiator hose is starting to leak or an exhaust pipe is coming loose, duct tape is a great temporary fix. Also put jumper cables in your tool kit. Even if your car doesn’t break down, they’re good to have to help somebody else.

    Advance Auto Parts carries a complete line of tools, emergency supplies and pre-packed emergency kits. Plus, of course, a full selection of quality auto parts.

    Why should you have an auto emergency kit?

    Car reliability has come a long way from the days when blowouts and boil overs were common occurrences, but run flat tires and modern cooling systems can’t prevent every type of roadside emergency.

    A recent survey by the AAA revealed that 28 percent of those responding had experienced at least one automotive breakdown during the prior 12 months. Getting stranded on a lonely road, without the appropriate equipment, is every motorist’s worst nightmare.

    All of this points to why an emergency preparedness kit is a must for most drivers.

    Choose the right tools and items for your emergency kits.

    The items you put in your auto emergency kit depend on your climate and geography. For hot, desert areas, bottled water is a must. In cold weather, a blanket is essential.

    Visit Advance Auto Parts for the supplies you need for your emergency kits, as well as for our complete line of quality auto parts.

    An introduction to FCAT benchmarking #basically, #able, #article, #card, #computer, #couple, #dynamics, #framerate, #frames, #game, #graphics, #have, #introduce, #look, #looking, #measuring, #months, #muhc, #normal, #number, #past, #performance, #second, #seen, #simply, #some, #there, #this, #towards #fcat, #very, #will, #your


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    An introduction to FCAT benchmarking – Article

    Benchmarking Graphics Processors – The New Style

    The past couple of months, we have seen some interesting dynamics in measuring the framerate of your games versus graphics cards. Basically the framerate of your game is, simply put, the number of frames per second your computer and graphics card are able to render. It is the most common way of looking at graphics card and game performance really.

    There’s a problem that started floating at the surface for a while now, FPS does not say much as to what you see and experience on screen thus on your monitor, in certain conditions you can get a little stuttering every now and then. E.g. FPS will not say a thing about graphics anomalies. Up-to a while ago nobody really cared that, and some of you perhaps think that is the best way to approach this. Do you really care of you see a small stutter every now and then for a fraction of a second maybe split-second? The answer to that is two fold. Some of you, the more enthusiast end users, do while other’s don’t. And as such lately we have seen websites posting frame-capture and frame time results.

    Being trendy – websites jumped onto it and are using FRAPS, but the thing is. if you want to expose game stutters you probably should not use FRAPS. Here’s why:

    FRAPS measures directly at the game engine, and that’s different from what you see on screen on your monitor. For FPS that is not really relevant, but if you want to measure frametime then at the end of the graph shown above T_Display is where you need to be. See, a lot of other stuff is happening after FRAPS measures. Now realistically for single graphics cards, measuring frametime (or as what like to call, frame experience) FRAPS is sufficient. However in multi-GPU setups FRAPs just does not detect all information and as such a lot simply does not show up, in the created charts that many websites including ourselves have been demonstrating.

    It will get even weirder as it also works vice versa, sometimes FRAPS records stuff that isn’t visibly there on your monitor. To do frametime recordings right (the proper way) we need to take a more academic approach. not measure at Game engine level, but at the monitor output as that is the hotspot as to what you see on your screen. How can we accomplish that? Well, with a framegrabber and a complex software suite which we’ll be showing and introducing today. It is called FCAT, short for Frame Capture Analysis Tool. It is a set of tools that derives from the NVIDIA performance laboratory. Now please don’t throw objectivity and subjectivity concerns at us as yes, this methodology is coming from NVIDIA. Let me state upfront that pretty much all software and scripts can be read out as source code and the simple truth is that the FCAT benchmark method can’t see the difference in-between AMD and NVIDIA graphics cards as we look at rendered frames, we are not measuring inside the graphics card(s).

    Before you read onwards, this article is more a bit more scientific, complex and academic opposed to what you are used to. This is not everybody’s cup of tea alright. But I wanted to show what we are doing and how we are doing it as transparant as can be. Now then, our FCAT solution requires multiple thousands EUR worth of hardware and is not something you can easily recreate at home. I also left a lot out in terms of complex issues and will take a very simple to understand approach, which hopefully, the majority of you guys and girls can understand. This article is a first in sense that it is an introduction to added benchmarks you are going to see integrated in Guru3D GPU reviews.

    Let’s first discuss a little about FPS vs Frametime, the methods and challenges ahead.

    Meet the FCAPS setup – two new dedicated PCs and two monitors merely for a handful of plotted graphs.

    An Introduction to Carrizo – AMD 6th Gen APU
    AMD today launches their Carrizo based Mobile APUs, the new APU architecture makes use of Excavator CPU cores and up-to eight GCN 1.3 based graphics cores.

    An Introduction to HBM – High Bandwidth Memory
    AMD briefed selected press on HBM – High Bandwidth Memory. This new type of graphics memory is going to change the para dime in the graphics industry when we are talking about using less power, small.

    An introduction to FCAT benchmarking
    In this article we will introduce you towards FCAT benchmarking. The past couple of months we have seen a some new dynamics in measuring the framerate of your games. Basically the framerate of your.

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    Security Awareness Program #u.s. #security #awareness, #computer #security, #secure #your #computer, #personal #security, #disaster #preparedness, #homeland #security, #security #awareness #tips, #security #awareness #program, #information #security #professional, #information #security #program, #information #security #auditing, #risk #management, #insider #threat, #incident #response, #security #awareness #day, #information #security, #security #awareness


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    Security Awareness for IT Users – InfoSec Institute
    InfoSec Institute is consistently rated as one of the top providers for Security Awareness Program training for users of IT systems. With a systematic approach, multiple delivery formats (instructor-led, CBT/WBT, SCORM formatted modules), and access to industry recognized subject matter experts, InfoSec Institute has what it takes to raise critical security awareness issues in a thought provoking manner for your organization.

    Security Awareness for IT Professionals – InfoSec Institute
    InfoSec Institute provides a deeper level of security awareness training for technical audiences, honing in on the specific issues that individual IT Professionals need to know in order to secure their infrastructure.

    Security Awareness for Software Developers (.NET, Java, C/C++) – InfoSec Institute
    Software developers are increasingly under task to develop more secure applications. Without the requisite knowledge, it is an insurmountable task. InfoSec Institute bridges the gap between poorly designed and executed code and secure code with the internationally recognized Security Awareness for Software Developers line of courses.

    You can find other value able security awareness training resources here:

    NIST 800-50: Security Awareness and Training Program
    This NIST publication provides detailed guidance on designing, developing, implementing, and maintaining an awareness and training program within an agency’s IT security program.

    ENISA: A Users� Guide: How to Raise Information Security Awareness
    This document illustrates the main processes necessary to plan, org anise and run information security awareness program raising initiatives: plan & assess, execute & manage, evaluate & adjust. Each process is analyses and time-related actions and dependencies are identified. The process modeling presented provides a basis for “kick-starting” the scoping and planning activities as well as the execution and assessment of any security awareness program. The Guide aims to deliver a consistent and robust understanding of major processes and activities amoung users.

    NIST 800-16: Information Technology Security Training Requirements (188 pages)
    The overall goal for use of this document is to facilitate the development or strengthening of a comprehensive, measurable, cost-effective IT security awareness program which supports the missions of the organization and is administered as an integral element of sound IT management and planning. Protecting the value of an organization�s information assets demands no less. This approach allows senior officials to understand where, in what way, and to what extent IT-related job responsibilities include IT security responsibilities, permitting the most cost-effective allocation of limited IT security training resources.
    Appendix A-D Appendix E

    Building a Security Awareness Program – CyberGuard
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    Awareness Tips for All Personnel – Gideon T. Rasmussen
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    Security Awareness Tips by Role – IT Governance Institute
    ITGI offers a security baseline for enterprises and security survival kits for a variety of computer users.

    Security Awareness Toolbox – The Information Warfare Site
    The Security Awareness Toolbox contains many useful documents and links. The Main Documents section was contributed by Melissa Guenther. The Toolbox is a rich source of awareness material.

    University of Arizona Security Awareness Page
    The UA security awareness site contains awareness presentations, videos and posters. It’s a good site to explore.

    NoticeBoard Newsletter
    NoticeBored offers a free awareness newsletter covering a different information security topic each month. The newsletter provides an introduction to the monthly topic, describes the information security risks and outlines the remaining security awareness materials delivered to NoticeBored customers.

    IIA Tone at the Top Awareness Newsletter
    Mission: To provide executive management, boards of directors, and audit committees with concise, leading-edge information on such issues as risk, internal control, governance, ethics, and the changing role of internal auditing; and guidance relative to their roles in, and responsibilities for the internal audit process.

    Security Awareness Group – Yahoo Groups
    The security awareness group provides a forum to discuss awareness program methodologies and share security awareness tips. Those interested in learning more about information security will benefit from the exchange of tips and the opportunity to ask questions.

    Security Awareness Posters

    Attentus Healthcare Company in cooperation with DasSign has provided security awareness posters in the interest of public education. These posters can be used and distributed freely without obligation.

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    12 Uplifting Quotes About Moving On After A Break Up #quotes #on #keeping #your #head #up


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    12 Uplifting Quotes About Moving On After A Break Up

    I found quotes about moving on after a break up so incredibly helpful after my painful experience back then.

    I’m sure you want to move on too, but as often in life this is easier said than done.

    The hardest step in the arduous journey of breakup recovery is this one painful decision to let go finally.

    It’s this single choice that means the difference between learning from this devastating experience or dwelling upon the negative for a long time.

    And by doing so, risking that this whole process might happen again in your future relationships.

    The tricky part about moving on after a breakup is that it takes a conscious decision .

    It’s so much easier to hold on to the known, the hope that they will come back, rather than to find yourself cut off from your comfort zone.

    Moving on, and letting go is exactly that going out into the unknown, alone, without the one you used to love by your side.

    Before you can take this important step, it helps that you are fed up back to the teeth with being powerless, dependent and so helpless about what is happening to you.

    This will give you the strength to take action.

    Will it be easy after that?

    But you will have made a significant leap towards independence and healing.

    The following quotes about moving on after a break up can help you with that step .

    If you are a regular reader, you will notice that we’ve had some articles with uplifting quotes before, but none so far about moving on after a breakup.

    12 Uplifting Quotes About Moving On After A Break Up:

    Moving On Quote #1:

    Moving on, is a simple thing, what it leaves behind is hard.
    -Dave Mustaine

    This is from the song A Tout Le Monde by Megadeth.

    Moving On Quote #2:

    Watching you walk out of my life does not make me bitter or cynical about love. But rather makes me realize that if I wanted so much to be with the wrong person how beautiful it will be when the right one comes along.
    -Anonymous

    This quote addresses one of the biggest dangers of suffering from a breakup: not believing in love anymore and shutting down your heart.

    This is wrong because there is always someone out there better than your Ex, someone who will meet your needs perfectly. Whether we believe it or not.

    Turning away from love out of fear means saying NO to life.

    Moving On Quote #3:

    Life is like riding a bicycle. To keep your balance you must keep moving
    -Albert Einstein

    Passivity means death; activity is living. If you are passive, you allow negative things to come into your life.

    Keep riding the bike.

    Moving On Quote #4:

    You can never cross the ocean unless you have the courage to lose sight of the shore
    -Christopher Columbus

    This is one of my favorites.

    To grow and to experience, one must leave their comfort zone.

    Very often this means that you have to act against your fear to find what you didn’t know you were looking for.

    This takes a lot of courage.

    Ask yourself, who would Columbus be today if he hadn’t had the courage to lose sight of the shore back then?

    Moving On Quote #5:

    Love is never lost. If not reciprocated, it will flow back and soften and purify the heart
    -Washington Irving

    Love is like positive energy.

    Energy is never lost in this universe. It only changes its form.

    And so does love.

    Love is a positive choice, and love always attracts more love. That’s is a fact. (Now I sound like Deepak Chopra).

    Moving On Quote #6:

    When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us
    -Alexander Graham Bell

    This is so true.

    We often focus and dwell too long upon negative events in our lives, the whys and what ifs, that we don’t allow new positive things to come into our lives.

    We have to open our eyes and say YES to life more often.

    Moving On Quote #7:

    I was never one to patiently pick up broken fragments and glue them together again and tell myself that the mended whole was as good as new. What is broken is broken, and I’d rather remember it as it was at its best than mend it and see the broken pieces as long as I lived
    -Margaret Mitchell

    Margaret Mitchell wrote Gone With The Wind .

    What is broken is broken. That’s is often so hard to accept and yet so true.

    Moving On Quote #8:

    The brightest future will always be based on a forgotten past, you can’t go on well in life until you let go of your past failures and heartaches.
    -Anonymous

    All experiences, be they positive or negative, define who we are as a person.

    You can’t carry your unfinished past with you if you want to grow, especially when entering a new relationship.

    You need to have gotten over past negative experiences.

    Because if you haven’t, then they will bite you in the lower back eventually.

    Moving On Quote #9:

    We must be willing to let go of the life we have planned, so as to have the life that is waiting for us.
    -E.M. Forster

    One of the hardest things to do after a break up is to let go of the bright future that you’ve planned out together.

    Moving On Quote #10:

    Letting go doesn’t mean that you don’t care about someone anymore. It’s just realizing that the only person you really have control over is yourself.
    -Deborah Reber

    We don’t have any control over our Exes.

    If they want to leave, we have no power to hold them back.

    All we can do is to accept, let go, heal and aspire to be a better person.

    Moving On Quote #11:

    Letting go has never been easy, but holding on can be as difficult. Yet strength is measured not by holding on, but by letting go.
    -Len Santos

    What is easier, holding on or letting go?

    Moving On Quote #12:

    You gain strength, courage and confidence by every experience in which you really stop to look fear in the face. You are able to say to yourself I have lived through this horror. I can take the next thing that comes along.’ You must do the thing you think you cannot do.
    -Eleanor Roosevelt

    First by doing and facing what you fear and then by gaining the confidence that no matter what comes your way, you can handle it!

    I hope you’ve enjoyed the 12 quotes about moving on after a break up and that you’ve found some inspiration and help to do the most vital step in your recovery process:

    To let go and move on .

    Your friend,
    Eddie Corbano

    Writing a Thesis Proposal – Thesis helper! #writing #your #thesis


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    Thesis Proposal

    Whenever you start writing any thesis, the major part of this paper is obviously proposal. Such part needs the maximum attention of the writer because this thesis proposal represents the overall idea, which is related to the thesis. If the proposal is not written effectively, then your thesis may also not be written successfully. As a result, you will also not get the better marks in the thesis proposal. So, never take any risk of writing a thesis proposal in a wrong way.

    At a certain point, you will surely realize that you need some expert assistance. You may require a significant guide for your thesis paper. No matter how intricate your thesis subject is, we’re ready to help you by writing your complicated thesis proposal. If this proposal has already been written, then also you may submit that part to our writers. Our experts will make an improvement with the corrections and formatting.

    Our major focus is for thesis proposal

    Our team of several writers is now prepared to create a thesis paper by using all their knowledge. Our professionals not only develop this proposal but also share their experience with you. Besides, we know that every thesis proposal has a definite format. So, such format needs to be followed strictly. Our writers are also much conscious of your needs, and thus, they will try to do every possible thing, by considering the following issues

    • Significance of your research
    • The question and hypothesis that should be explored
    • Conclusions from research
    • Best approaches

    We use our originality

    We write the content for your thesis proposal with all our innovative ideas. We have the confidence that the proposal, created by our experts, will be surely approved. It means that you can get the consent of your professor for writing a thesis. And this thesis is intended to reveal your own knowledge on the subject. Thus, when you have requested us for writing a thesis, you can prove your expertise the academic discipline.

    If you are now at our thesis proposal writing website and want to buy thesis proposal, then the price is not the concern. Our charge for writing a thesis or any thesis helper proposal is much more affordable. That is why many of our clients also want to come back to our site for using our service. Our custom written thesis proposal is available at the best price. However, its quality is also highly maintained. So, call for our service and get a perfect thesis proposal, written with the right words.

    Speak to us and discuss on thesis proposal anytime

    We do not want our clients to have any doubt regarding our thesis proposal. That is why when you want a modification of any part or sentence, we revise the paper several times to satisfy you. Besides, you may also speak to our writers and professionals at any time. It obviously enables you in getting the answers to all queries. So, chat with our thesis proposal writers and solve every problem to achieve the highest marks on your toughest subject.

    How to Find a Police Car Auction in Your Area #insurance #auto #auction


    #used car auctions
    #

    How to Find a Police Car Auction in Your Area

    February 28, 2013

    Finding a local police car auction in your area is sometimes tricky, if you have no idea where to start. There are ways to locate this information, but for areas where these type of auctions are not widely publicized it could be a case of calling your local police station and asking if they know.

    Start your search for a used car

    You can find some information online, on government websites which will let you search your area for a particular vehicle. These sites are not limited to cars, either. You can find SUVs, trucks and motorcycles on many of them too. Doing a ZIP code search and choosing a specific model will show you all the vehicles within a certain distance from you. Police specific auctions can be found by other websites like gov-auctions. which tells you when and where the local auctions will take place.

    The General Service Administration is the biggest national sales agency and you can check out fleet sale cars and trucks on their website. Online versions of the auction can be located through the GovSales website. Finding former police cars for sale is down to how often those local auctions are held, but you can also try eBay Motors. Government car auctions are there in the motors section for you to search through. You can search by ZIP code, type of car, miles from your destination or make and model of the car you require.

    The local police will sometimes put up leaflets or notifications of an impending auction being held. You can call your local government offices and find out how else you can locate an auction and if they have no information, at least they may be able to point you in the right direction.

    Welcome to Bid-2-Buy your Premier Online Auction Company. Online Auctions, On-line Auctions, Online Auctions Minnesota, Online Auctions North Dakota, Online Auctions South Dakota, Online Auctions Wisconsin, Online Auctions Iowa. #automobil


    #auto auction online
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    John Deere 450 Dozer $4,500


  • John Deere 555 Dozer $10,500
  • 2000 Chevy Corvette Convertible $23,500

  • 1984 John Deere 544C Payloader $15,900


  • Load King Flatbed Trailer $13,000
  • 1986 Talbert Low Boy Tri-Axle Trailer $19,500

  • Trojan 3000 Loader $13,000


  • Caterpillar 950 Loader $35,000
  • John Deere 644-A Payloader $15,000

  • 1977 Mercedes 450 SL Convertible $4,995


  • Gehl 5640 Turbo E Series $14,000
  • 1999 Kobelco SK150 Mark IV Hydraulic Excavator $22,000

  • John Deere 8430 4 Wheel Drive Tractor $11,500


  • 2009 Caterpillar 247B2 $25,750
  • 2002 Winnebago Journey DL 36′ $52,500

  • Searching for trucks, automobiles, equipment, tools, or other merchandise?

    Welcome to Bid-2-Buy Online Auctions, a premier Midwest auction firm. Bid-2-Buy has decades of expertise in diverse auction markets, including but not limited to: automotive, agricultural, real estate, tools, restaurant equipment, office equipment, furniture, and collectibles. We specialize in complete or partial business and industrial liquidations.

    Our clients can trust in our comprehensive auction service. Bid-2-Buy facilitates the full range of the auction process, including: auction preparation, marketing, preview, payment, and merchandise removal. You can be confident in knowing that Bid-2-Buy aims to provide the optimal auction experience for both sellers and buyers alike. Our firm seeks to offer the utmost flexibility and efficiency, whether that means conducting auctions at either your personal/business location or at Bid-2-Buy auction headquarters.

    We encourage you to view our website and discover, firsthand, what differentiates Bid-2-Buy from the competition: robust descriptions, detailed photographs, and responsive team members. Feel free to contact us by phone or email to discuss your future auction needs.

    Welcome to Guardian Auto Advantage! Your Auto, Travel, Dining and Entertainment Savings membership website. #auto #parts #cheap


    #auto advantage
    #

    Guardian Auto Advantage is a leading provider of auto and travel related benefits and discounted services, as well providing dining, entertainment and select shopping benefits to members. Members have access to the very best savings opportunities, in many cases up to $2,000 or more per year can be saved by members and their families on products and services from leading brand providers and other merchants.

    Guardian Auto Advantage is a membership organization dedicated to offering members the best in auto, travel, dining, and entertainment benefits, discounts and savings. Members can now have access to an unprecedented choice of available benefits, coupons, discounts, special offers and other money saving opportunities.

    Guardian Auto Advantage is dedicated to always providing members with the most money saving offers and discounts from leading merchants and other vendors. Over 20 different benefits are available and are easy to locate within multiple benefit sections, making it very easy for members to save money and time while enjoying the largest portfolio of available, individual benefits that have been bundled together into this one comprehensive and simple to use membership savings program.

    Guardian Auto Advantage takes membership discount programs to the next level by combining the very best Dining, Entertainment, Travel and Automotive into this one membership club so that members will now be able to save money on almost everything.

    Home Selling – Tips – Advice on How to Sell Your Home #home #selling, #sell #your #home, #home #selling #tips, #home #selling #advice, #century #21


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    Selling Advice

    Your home is more than an architectural structure. Often, it s an extension of who you are your personality, style and values. That s why selling it can be an emotional experience. But it can also be exciting and rewarding. This section provides some simple home selling tips that can help lead you to a successful, timely sale.

    Once you ve made up your mind to sell your home, you need to do your homework and century21.com is a great place to start! Getting a signed contract is a great accomplishment, but that s only half the journey. The typical home sale today involves more than 20 steps after the initial contract is accepted to complete the transaction. 1

    A real estate professional can provide the experience and local knowledge to guide you through the entire process, and selling your home within the ideal time frame and at the most effective price point. As the representative of your best interests, your CENTURY 21 Agent has state-of-the-art marketing resources to showcase your home s best assets, and help you determine what improvements will make the biggest difference.

    Much of what needs to be done before the closing is the responsibility of appraisers, loan processors, attorneys, and inspectors. Your CENTURY 21 Agent s role also includes coordinating those responsibilities, helping to ensure that others do their jobs promptly and correctly.

    Many steps between contract ratification and closing involve the cooperation of both buyer and seller, and attentive real estate professionals on both sides of the transaction will troubleshoot and keep everyone on track.

    1 Source: National Association of REALTORS

    Real Estate Resources

    About CENTURY 21

    2017 Century 21 Real Estate LLC. All rights reserved.
    CENTURY 21 and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Century 21 Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Office is Independently Owned and Operated. Listing information is deemed reliable but is not guaranteed accurate.

    Your Auto Source Inc – Used Cars – York PA Dealer #auto #zone #parts


    #auto source
    #

    Welcome to Your Auto Source Inc

    Your Auto Source, Inc. is also a family-owned, used car dealership focusing on luxury pre-owned vehicles with over 25 years of experience! We include a 3 month powertrain warranty on each of our vehicles as well as free lifetime-inspections when you purchase the vehicle here at Your Auto Source! Your Auto Source, Inc. is founded on trust, integrity, and respect. We are proud to offer these values in our sales and business practices so our customers keep coming back. The vehicles on our lot have the best prices and quality in the area so come by and see us today!

    We are a family-owned business delivering honest and professional automotive repair and auto maintenance services to the people of York and surrounding areas. The quality ASE (Automotive Service Excellence) certified technicians at Your Auto Source, Inc. employ today’s latest automotive technology and are equipped to handle all major and minor repairs on foreign and domestic vehicles.

    Come by and visit our clean and professional dealership & repair shop in York, PA.

    Sell Your Junk Car or Buy Used Parts #private #party #auto #loans


    #auto junk yards
    #

    Welcome to U Pull Save

    Thank you for visiting our website! U Pull Save is your premier buyer of junk vehicles at the best pay. We are also the largest self-service auto parts yard in southwestern Florida. We supply auto parts at the lowest prices possible from the vehicles we purchase from you. If you have an old car, we will pay the highest price for your unwanted vehicle and complete all necessary paperwork to ensure that the car is taken out of your name.

    At U Pull Save, we recycle our vehicles in an environmentally friendly manner.

    We look forward to doing business with you. Contact us now for a quote or come by!

    We Pay Cash for All Vehicles

    If you have an old vehicle that you are looking to get rid of, bring it to us. We buy all vehicles. We’ll accept any make or model, whether or not it’s running. You can walk away with cash in hand for a vehicle that you no longer use.

    You will get the highest prices from us as well as courteous and honest service. You receive cash, a Bill of Sale, and peace of mind that we will recycle your vehicle in the most efficient manner possible.

    If you need a tow truck to pick up the vehicle, no problem. We offer free pickup of your vehicle with our truck. Just contact us for a quote and we will come to you.

    Self-Service Yard of Used Parts

    If you are looking for inexpensive, used auto parts, we can help there too! In fact, we have the largest auto parts yard in or near the Fort Myers area. You can come and see our 6-acre self-service yard yourself and save a great deal of money.

    Get a Quote for Your Vehicle

    For your convenience, our yard is open seven days a week. We make it easy for you to recycle unwanted vehicles or find used parts. If you need more information or have questions, please give us a call. We take calls 24 hours a day. Contact us now to get a free quote for your unwanted vehicle. We know you will not find a better quote anywhere else.

    Sell Your Car Today For Cash in Phoenix AZ – Sell Us Your Car Online #buy #second #hand #car


    #buy cars online
    #

    We’ll pay Cash for your Car Running or Not and Towing is always FREE

    Quote Your Vehicle

    SellUsYourCarOnline.com is the Quick and Easy way to sell your car! Get a FREE Instant Quote We offer no fees, zero risk and one huge payout!

    How It Works

    You’ll never have to worry about getting paid or whether the buyer is going to show up. Through our simple online quote process, a buyer will speak.

    FAQ’s

    Whether you are trying to sell your old car that’s still running or a junk car that’s been wrecked, you can sell your car online now. For nearly 20 years, our company.

    We Buy Cars in the Phoenix Tucson Metro Areas!

    SellUsYourCarOnline.com is the Quick and Easy way to sell your car! Get a FREE Instant Quote We offer no fees, zero risk and one huge payout! Get top dollar and cash for cars today – running or not!

    Whether you are trying to sell your old car that’s still running or a junk car that’s been wrecked, you can sell your car online now. For nearly 20 years, our company has been in the automotive recycling business and we buy cars and trucks to offer people a fast way to sell their car for free online.

    When people are in a hurry and think “I want to sell my car fast” many rely on online classified ads or other expensive ways to market their vehicle. SellUsYourCarOnline.com eliminates all the cost and headaches fielding phone calls and getting multiple offers. Through our network of local car buyers and dealers, we buy cars of any make, model, year and condition.

    How To Sell Your Car

    You’ll never have to worry about getting paid or whether the buyer is going to show up. Through our simple online quote process, a buyer will speak directly with you to schedule a convenient pick-up time for your vehicle.

    Sell Your Car Online With Ease

    When our driver arrives, they’ll hand you the agreed upon cash amount and pick up your car. We pay in cash or check. Worried about someone buying your junk car that is broken or wrecked? Stop worrying! Free towing is available.

    Your Day Is About To Be Wasted By This Classic Car Search Engine #classy #auto


    #car search engine
    #

    ​Your Day Is About To Be Wasted By This Classic Car Search Engine

    If you spend inordinate amounts of time trolling through the interwebs to find that perfect car you’ll never own (hi!), life just got simpler. It’s called Tailpipe. and your HR person will not be pleased.

    Unlike the scads of shoddy, ugly solutions that scan multiple sites for classified ads (looking at you SearchTempest), Tailpipe gets right to what you want, and manages to make it attractive in the process.

    It’s strictly for classics, so if you’re looking for, say, a vintage Range Rover. it scans through Craigslist, eBay Motors, Hemmings, and others to find what you’re after. You can narrow things down by year and price, but location-based searches aren’t baked in yet. However, if you’re regularly searching for one particular unicorn, you can get email updates when a new listing posts. Now if you’ll excuse me.

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