Why Act on Windshield Replacement?

Windshields play an essential part in automobiles but a lot of drivers are not aware of this fact. Windshields will serve as structural shield and support for the roofs of automobiles. In addition, windshields will protect drivers and the passengers as well from wind and other elements. Because they play such essential tasks, they must be constructed well and there must not be any room for error during the process of manufacturing. Manufacturers must guarantee the quality of the products before they are going to install them to the automobiles.

On the other hand, hundreds of people pass away every year due to car accidents since they were thrown away from their automobiles. Sadly, a lot of people do not recognize the risks and dangers a simple nick or crack on their windshields can cause. It must not take busted glass across the whole windshield in order to get your attention on your car. When it comes to the repair of auto glass, it is very essential to take the right precautions.

At times, repair is good enough but if the break done is very serious, then, simple repair is out of question. In such cases, windshield replacement will be the best bet. Whether you will admit it or not, windshield replacement is necessary if there is a break which is lesser than three inches. At times, these cracks begin as little as the tip of a needle which can be caused by mechanical stress, temperature deviation and rocks. But regardless of the reasons behind the scratch or crack, it is very important to act on windshield replacements before it will be too late. As mentioned earlier, windshields are there to shelter you from any object flying on the air. Therefore, waiting for too long to replace faulty windshields might actually become a troublesome element of the automobile. More than 12,000 fatalities every year come from individuals who are being thrown away from their cars.

In order to minimize such accidents caused by broken auto glass, windshield replacement is needed. Take enough time in order to shop around to locate reputable service and know the windshield replacement cost. Make sure that the manufacturer have good replacement safety standard and can deliver the service that is worth the cost. Make sure that the quality of the glass is good enough to shelter you from any form of debris falling into your car. It will also be helpful if you are going to contact a technician to find out what kind of services that is good for your car.

Most companies might prefer to arrive to you and they may offer higher price tag yet if they can offer safety standard then it will be worth it. If you are thinking of the price tag, there is a windshield replacement insurance where you can take advantage of. You just have to know what are the needed requirements for the insurance given in your locality. Having windshield replacement insurance will not only help you financially but will ensure that you get standard quality of service.

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How to Purchase a Used Automobile: Tips From the Auto Insurance Guys

These days, purchasing a new car requires a lot of money. For those looking for another option due to the financial output, shopping for a used car may be a good bet. Of course, a previously owned car, no matter how sleek and shiny may have hidden disadvantages.

Below find tips from some finely-tuned insurance professionals on how to go about the task of shopping for a used car.

8 Ways to Get a Good Deal on a Previously-Owned Car

• Decide How Much You Can Spend on the Purchase

Prior to shopping around for a good used car, do a personal financial tally. Then focus only on buys you can afford – whether via financing or full payment method.

• Choose the Right Kind of Vehicle

Unmarried people without kids do not need a big car. On the other side of the coin, married folks with children in tow could use a larger car. Recreational drivers, long-distance drivers and city or highway drivers have different needs as well. Assess your individual requirements, then shop for the car that matches them.

• Check Out Prices and Repair Frequency

Look online to determine what you should be paying for car makes and models according to year and usage. This search will also let you know what type of vehicles requires less maintenance work and what type has less mechanical headaches.

• Learn about the Car’s Past

Research a particular car’s history by putting in the Vehicle Information Numbers. This will get you to a full report about past collisions, owners and even recorded maintenance and repair jobs.

• Test the Car out by Taking it for a Spin

Drive your prospective car purchase over a calculated route that includes hills, bumps, curves and highway maneuvering. This way, you’ll get an idea how the overall driving ability is.

• Get a Professional Mechanic’s Opinion

Enlist your favorite mechanic in the decision by hiring him or her to inspect the car for surface problems that a layman like you may not be able to detect.

• Use Your Price-Negotiating Skills

Utilize the knowledge you have gained from all your research on the car to negotiate a price that fairly reflects its true value.

And Last But Surely Not Least

• Don’t Forget About Auto Insurance

Before completing the buying process, speak to an experienced independent insurance agent about insurance for the vehicle. After binding the policy, sign the contract, pay, and you are good to go. No worries about the possibility of no coverage on the road to home!

Now that you have a new (used) automobile take care of it with good maintenance practices and remember to keep driving safety a priority.

Happy driving!

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How to Work Out an Automobile Debt Settlement

All of us are tired of the problems pertaining to transportation, and who does not like to possess a car of his own? In addition, sometimes we need to buy automobiles like trucks and vans when we have our own business and they are required for the easy transportation of goods and services. In addition, when we do not have enough funds of our own, we opt for automobile loans. In addition, all our mirth of getting a new car or truck soon changes to despair when due to unforeseen circumstances we find that we are unable to pay back the loans and most likely, our beloved car would be foreclosed. Knowing a few things about automobile debt settlement could come in handy in such cases.

Reasons for High Interests in Car Loans: This might be a little more difficult than other types of debt settlement programs. Moreover, the rates of interest for automobile loans charged by the creditors are significantly higher than other types of loans. This is because of the highly volatile nature of the asset itself. Even if you have had put the car up as a collateral while applying for the loan, the creditor might find that it is simply not there when they decide to go for foreclosure.

Because the car might have been damaged beyond repair in an accident, and the insurance might refuse to pay up citing a variety of excuses or an unfaithful debtor might simply have driven it out of town without informing them. Alternatively, maybe, the car may simply lose all its value due to poor maintenance. So, before taking out an automobile loan, be sure about your methods to pay them back.

How Can you Negotiate: Because the creditors usually look forward to the collateral for the repayment, chances are that they would settle for a loan reduction if they find the condition of the car less than satisfactory. In addition, if they find that the reduced amount that they would get from the debtor would be more than the value of the automobile, if foreclosed.

This usually happens in the case of accidents when rising medical bills and car loans have to be settled together. Also, if you can provide proper documents and slips regarding your financial distress, considerate creditors would often agree to a negotiation. Providing the address of your garage, for their security can also help you to gain their trust. You can also show them your record of successfully paying off your previous debts, which again helps in most cases.

With a little bit of saving and careful negotiation it is indeed possible to save your car from foreclosure. You should know your options and the laws to make it as better as you can

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MotoMint – Automobile and Car Videos Application

Introduction

MotoMint is an application targeting the automobile industry. It basically fetches automobile and car videos from across the world through the medium of internet. The application also looks out for the regular updates from various automobile manufacturers and gives the information about them to the users within shorter time period. It picks up the latest automotive news, videos, new and old car reviews and much more from the Internet and presents them directly on the device for the user’s perusal. He can download this application from the Google stores link. It is available in both iOS8 and Android versions. At present, the iOS8 version has more features added.

Features of MotoMint

It has a novel way of connecting with the latest trends in the automobile industry across the globe. It stays connected with Internet to pick out the videos featuring new automobiles and new technologies. The automobile enthusiasts have to just download this application and install on their devices to get the recent updates on the happenings in the world of automobiles. It stands apart from other automobile applications available in the market by providing anything and everything that the automobile industry comes out with. In short, it fetches the latest auto videos, auto entertainment programs, the firsthand description videos on new cars that are out. On a simple click, it comes out with high-quality automobile videos from across the world.

Nature of Videos Selected

This application searches only for the top ranked videos from across the worldwide web. For this purpose, it uses a new concept called curation. The built-in algorithm curates the videos based on the ranking given by the international bodies. Normally, these international rankings depend on the content and the number of visits to adjudge the video quality. While displaying the curative videos, the application arranges them under different tabs. The tabs dedicate the information on a particular brand of automobile so that viewers don’t get confused. Moreover, the dedicated page in each tab describes only the selected brands. The application also allows the customers to view the YouTube channel on motors directly. By working this way, the MotoMint application lets user to get detailed information about various updates on events happening in the world of automobiles by means of high-quality and maximum-visited videos. The application stores the downloaded videos and saves them under different folders. This enables the users to see these videos later in offline mode.

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Some Laws To Protect Your Automobile

People tend to face numerous issues with respect to their automobiles. Some of the most common problems that people face are –

• Buying a defective car and getting refused a refund, fixing and replacement by the manufacturer.

• After completing a final loan contract, you are asked to sign a new contract with higher down payment.

• You are trapped with deceptive advertisements and you have been sold a more expensive car.

• Dealer conceals optional add-ons and undervalues the trade-in during fixing of the deals.

• Your car is repossessed without your consent by the creditor.

Know Your Rights

There are different laws that save the consumers from auto fraud. Here is a list of various laws and their scheme of protection.

Magnuson-Moss Warranty Act

This law is utilised when a contractor, warrantor or supplier denies complying with a service contract, written warranty or implied warranty.

State Repossession Laws

These laws state that –

• Your car cannot be removed from a locked garage by the car repossession company without your consent.

• You can put your car up in auction or you can pay the full money in order to buy back the car.

• On paying repossession costs or reinstating your loan, you can get your car back in some states.

• Your car must not be sold below market value.

• You should be informed whether the creditor will put the car up for auction or not.

State Lemon Laws

Those cars are dealt by lemon laws that have been repaired many times for the same defect. Different states have different lemon laws.

• Your car should be replaced or refunded by the manufacturer for a substantial defect after four tries.

• Your car should be refunded or replaced for a safety defect after two tries.

Truth in Lending Act (TILA)

According to TILA, interest rates and other information regarding the loan should be disclosed by the lenders before processing a loan. You can get the best auto financing rate with the help of TILA.

Unfair, Deceptive, or Abusive Acts or Practices (UDAP)

You are protected by UDAP from deceptive, unfair and false acts including the false advertisements.

Contacting an Attorney

You should know about the following, if you want to contact an attorney.

Repair Record

Keep record of the timing of the car when it is out for service and keep track of the repair attempts. Every time you repair the car, do not forget to submit a dated and written list of problems to your dealer.

Notice Required

Before entitling to a replacement or refund, you must go through the notice requirement of your state.

Your Refund or Replacement

Ask the manufacturer for a replacement or refund only after confirming that your car is qualified as a lemon. You may have to go through arbitration if a valid arbitration program is incorporated into your written warranty, in order to get your replacement or refund.

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Automobile Business Plan – Four Steps to Success

Like other business plans, the contents of an automobile dealership business plan cover four primary steps towards success. These steps are “opportunity”, “capacity”, “activities”, and “results”.

Opportunity

The industry, customer, and competitive analysis in your business plan proves the opportunity. This should identify that customers in your local market are in need of a dealer of the type you’ve chosen to be because competitors are not fully serving their needs, or because their demographics are changing (more population, richer, poorer, more families, etc.) The opportunity could also be that a certain combination of services by your dealership could improve on what competitors are currently doing. The overall industry situation should look ahead to how the car sales market will be doing six months, one year, or more in the future, when the dealership will actually be open.

Capacity

The experience of the management team, your license as a car dealer, and the financial resources the partners can bring to the table cover the capacity of the entrepreneur to jump on this opportunity. Funders reading the business plan expect that there will also be an element of cash missing from the entrepreneur’s capacity at the moment. Otherwise, they would not be reading the plan in the first place.

Activities

Marketing and operations plans cover the activities the company will engage in to bring in car buyers (and car sellers if you are a used car dealer as well), and run the business as efficiently as possible. As a small car dealer, consider how you can make up for this lack of scale, and the cost savings that come with it for dealer chains, through creativity and hard work.

Results

Finally, the projections of business success and financial section of the plan show the results that you and investors should expect. If results take into account the full costs of the methods you’ve described, and include adequate compensation for staff and key team players, readers will be less likely to question elements on the cost side. If your revenue projections are based on reasonable, researched assumptions about the car buying behavior of your local market, then readers will be more likely to accept this side of the projections as well.

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Automobile Dealerships – Valuing Blue Sky

Blue Sky is the intrinsic value of an automobile dealership, over and above the value of its tangible assets. It is sometimes equated to the goodwill of a car dealership.

Most articles regarding the blue sky value of new car dealerships cite a multiple of earnings formula, such as three times earnings, four times earnings, and so forth. The idea that “blue-sky” can be determined by anything times anything is just plain wrong.

Even NADA the National Automobile Dealers Association in its publication entitled “A Dealer Guide to Valuing an Automobile Dealership, NADA June 1995, Revised July 2000 bemuses, in part, with respect to valuing a dealership by using a multiple of earnings: A Rule of Thumb valuation is more properly referred to as a “greater fool theory.” “It is not valuation theory, however.”

In its Update 2004, NADA omitted its reference to “fool”, but referred to the multiple formula as rarely based upon sound economic or valuation theory, and went on to state: “If you are a seller and the rule of thumb produces a high value, then this is not a matter of great concern. Go for it, and maybe someone will be stupid enough to pay you a very high value.”

A dealership’s blue sky is based upon what a buyer thinks it can produce in net profit. If potential buyers think it cannot produce a profit, the store will not sell. If it can produce a profit, then variables such as desirability of location, the balance the brand will bring to other existing franchises owned, whether or not the factory will require facility upgrades, and so on and so forth, determine whether or not a buyer will buy that particular brand, in that particular location, at that particular time.

I have been consulting with dealers for nearly four decades and have participated in over 1,000 automotive transactions ranging from $100,000 to over $100,000,000 and have never seen the price of a dealership sale determined by any multiple of earnings unless and until all of the above factors have been considered and the buyer then decided he, she or it was willing to spend “x” times what the buyer thought the dealership would earn, in order to purchase the business opportunity.

To think otherwise would be to subscribe to the theories that (1) even though you think a dealership could make a million dollars, the store is worth zero blue sky because it made no money last year; and (2) if a store has been making $5 million per year you should pay say 3 times $5 million as blue sky even though you think you will not produce that kind of profit. Both propositions are absurd. If a buyer does not think a dealership is worth blue sky, then what he is really saying is that he sees no business opportunity in the purchase and therefore, in my opinion, he should not buy the store.

Each dealership is unique with respect to its potential, location, balance that its brand brings a dealer group, and condition of facility. The sale is also unique with respect to whether it is a forced liquidation, orderly liquidation, arms length, insider, or a case where an anxious buyer is trying to induce an unwilling seller. There are management factors to consider, length and term of leases, possibilities or non-possibilities of purchasing the facilities and whether or not the factory wants to relocate the store or to open a new store up the street.

In the car business it is impossible to pick a dealership or a franchise out of a hat, multiply its earnings by some mystical number and predict either what the dealership is worth, or what price it would sell for – and it doesn’t matter if you are talking about a Toyota, Honda, Ford, Chevrolet, Chrysler, Dodge, or any other dealership. At any given time one franchise might be considered more or less desirable than another, but they are all valued in the same manner.

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Synopsis of Automobile Industry

It was way back in 1769 when a steam-powered automobile was created for transport purposes. The next important year was 1806, when cars were running on fuel gas and was powered by internal combustion engines. Later electric cars came into the industry during the 20th century; However it became popular only in 21st century when consumers and government were more concerned about low-emission vehicles.

Phases in automobile industry:

• Steam automobiles (Cugnot Steam Trolley)
• Electric automobiles (The Henney Kilowatt)
• Internal combustion engines (Benz Patent Motorwagen)
• Veteran era (Renault Voiturette)
• Brass / Edwardian era (Ford Model T, Mercer Raceabout, Bugatti Type 13)
• Vintage era (Austin 7, Bugatti Type 35, Lancia Lambda, Cadillac V-16)
• Pre-World War era (Alvis Speed ​​20, Ford V-8, Bugatti Type 57, Volkswagen Beetle)
• Post-War era (Morris Minor, Jaguar E-type, Ford Mustang, Datsun 240Z)
• Modern era (Toyota Corolla, Range Rover, Mercedes-Benz S-Class, BMW 3 Series, Ford Taurus)

The largest automakers in US are General Motors Corp., Ford Motor Co. and Chrysler. US ranks third after Japan and China under the list of world's top 20 motor vehicle producing countries.

The future of cars is overloaded with high end technologies which are eco-friendly and cost effective for customers. The auto manufacturers are spending a lot of money in R & D (Research and Development) to create a product that is safer, sustainable, energy efficient and less polluting. Alternatives to fuels like hydrogen cars, electric cars, compressed-air cars, etc are entering the market to give high mileage at low cost which is beneficial for owner of the car and environment too.

Latest technologies like BMW's Turbosteamer, Regenerative braking, Installation of Vortex is used which helps in saving energy and thus cost. To improve the quality and strength of automobiles, the auto manufacturers are replacing steel with materials like fiber glass, carbon nanotubes, duralumin and carbon fiber. Few other technologies like platoons, automated highway systems and vehicle infrastructure integration enhances road safety and traffic flow.

Automobile industry was deeply affected by the recession which recently occurred. However, it is reviving and it will soon come back to normal in the near future.

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The Growth and Development of the Automobile Industry – A Deeper Insight

The word "Automobile" has its origins in Greek and Latin and it has become an integral part of every man's life. It has become so indispensable that on an average, a person spends at least 3 hours in his vehicle every day. Automobile was once thought of as a luxury and only a select few could indulge in. Now, the times have changed and automobiles have become a means of transportation catering to the vast majority.

The transformation from luxury to inevitability

Automobiles, in general, refer to the humble car and the estimates suggest that there is a car for every eleven persons on earth amounting up to 590 million passenger cars. There are various variants of automobiles that cater to every cross section of the population. There are variants that could set you back by a couple of million dollars and other models that cost you a few thousand dollars.

The technological advances in the automobile sector have been tremendous in the last 100 years. The century's greatest invention or advancement should definitely belong to the automobile industry. One of the earliest pioneers of the automobile industry was ransom olds from the oldsmobile factory. In the early 1900's, he introduced the Production Line concept, thus churning out vehicles every few minutes. This idea was greatly revolutionized and implemented by Henry Ford, who elevated automobile industry to the next level. Ford quickly grew in the first half of the 20th century and slowly but steadily spread globally.

Growing along with time

With advancement of age, the automobile industry gradually grew in continental Europe and England. Japan introduced quality initiatives that further enhanced the industry. Toyoto from Japan were the pioneers of Total Quality Management and Six Sigma, which have been the guiding principles of the automobile industry for the last 50 years. Today, Toyoto are the world's largest automobile company according to recent market estimates.

The global boom of the 1980's was largely because of the automobile revolution. Ford, General Motors and Chrysler, the big 3 automotive giants of America, had a huge say on the country's economy. They decided the health of the economy and the recent global economic recession has affected them badly. This has made them approach the government for loans and benefits, which have been fulfilled by the government after placing appropriate clauses.

Advent of technology and innovations

Automobile has transcended from being a medium of transportation to a medium of entertainment after the advent of super fast cars competing against each other. NASCAR and F1 races are huge crowd pullers every year. People have made fortunes and drivers of these machines have made their name in history. The fact that automobile racing involves huge costs has made the racing industry reel in these uncertain economic times. The sport has seen tragedies with loss of life in some instances. This has made room for strict safety regulations, which are now mandatory for all the automobile shows.

The negative part

Although man has made a huge leap forward with automobiles, there is a downside to this technological wonder. The emissions from these machines have raised serious environmental concerns with calls for more eco-friendly vehicles. Automobile companies have invested hugely in research and development of eco-friendly vehicles. Except for this single downside, there is slightest of doubts to say that automobiles have been the find of the previous century.

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Motivation Management Is the Key of Change

During my career, I have learned that motivation is the most important factor of change.

I have seen people who have overcome their addictive behavior only with the high motivation. In addition, I have many people who continue their addictive behaviors despite the fact that they enjoy the various opportunities, such as professional consultants, hospitalizations, participation in meetings of famous recovery groups, and support by good families, friends, and community.

Their motivation is low for giving up their addiction, and their motivation for doing addictive behavior is high. Motivation determines whether one overcomes addictive behaviors or continues them. Therefore, motivation management is the key to change. This is because habit change requires not only an increase in motivation to quit addictive behavior, but a decrease in motivation to continue the addictive behavior.

I think the motivation management includes two basic principles:

1. Ability to raise and lower motivation.

2. Ability to increase motivation while changing.

Ability to raise and lower motivation Source of the motivation, is the need. When a need is activated, it creates a motivation for extinguishing itself.

Needs are activated by attention, too. The more people pay attention to stress and anxiety and how to get rid of them, and pay attention to the enjoyment drug use produces, the more they feel are motivated for using. In contrast, whenever people pay attention to the costs and risks of long-term addiction, the motivation of quitting drugs or addictive behaviors will increase.

“Selective attention” is a simple act and strong technique that it is used during the thousands years by religions and ideologies for motivating their followers. Today, SMART Recovery benefits from this method and uses the Cost-Benefit Analysis (CBA) for enhancing motivation to change.

The CBA has four categories of questions:

1. What do I enjoy about my addiction? What does it do for me (be specific)?

2. What do I hate about my addiction? What bad things does it do to me and to others (give specific examples)?

3. What do I think I will like about giving up my addiction?

4. What do I think I will not like about giving up my addiction?

Answering these questions develops awareness and increases the motivation for quitting. The more people do this exercise, the more they will tend to enhance motivation for quitting.

Ability To Increase Motivation While Changing

Overcoming addictive behavior is a process, not an event. Many people know how painful it can be to tread the path toward change. They want to change their addictive behavior immediately, with no discomfort and no urges, without changing their beliefs and values. Such people are like those who enjoy having reached a mountaintop, but hate mountain climbing; or like soccer players who get pleasure only from winning, not from playing.

They start with the high motivation, but they lose their motivation gradually and the most of them do not reach to their goal. Few people that reach to the end of the path. They go through the entire path with anger and complaints. In contrast, those who enjoy the way their motivation increase quickly. And reach the goal with joy and lightly. Rumi believes that loving the path not only increases the motivation for us, but also carries us to the goal. He has beautifully expressed this fact in the story of a thirsty person.

On the bank of the stream there was a high wall,
painful thirsty person was on the top of the wall.

His obstacle for reaching the water was the wall;
He was in distress for the water, like a fish.

Suddenly he threw a brick into the water:
the sound of the water came to his ear like spoken words.

The water was making a sound, that is to say, (it was crying), “Hey,
what is the advantage to you of this throwing a brick at me?”

The thirsty person said, “O water, I have two advantages:
I will never give up from this work.

The first advantage is (my) hearing the sound of the water,
which to thirsty people is music to their ears.

The other advantage is that, (with) every brick I tear off this (wall),
I come (nearer) to running water.

Anyone is more thirsty on the top of the wall,
He will tear off the bricks more quickly.

Anyone is more love with the sound of the water,
He will tear off the bigger brick from the barrier.

I think the main task of people who want to overcome addictive behavior is learning motivation management. Recovery groups, psychologists, physicians, and other people and organizations involved with addiction treatment would do well to establish an environment for helping clients/patients learn this skill.

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