Auto Repair and Care Experts Present – How to Verify an Auto Repair Estimate

You may know nothing about auto repairs but this does not mean that you can be easily scammed by mechanics and technicians who may only after your money. Even if you may not know what an alternator is, you can still be able to tell if you are given a fair estimate or not. Here are some tips on how to achieve this:

o Find out what repairs should be made to your car. Let the mechanic do his own diagnosis of the problem.

o If some parts have to be replaced, then learn the cost of replacing these parts. If the parts needed are original equipment / parts made by the car manufacturer, then you have to make sure that you do not pay more than the manufacturer's recommended price. Take note that you can save money by using used parts instead since they have a wider price range.

o Make sure that you understand what the mechanic plans to do to your car. If you only want a routine maintenance job, that is what you should get. You do not need to deal with tire rotation or oil changes when they are not necessary.

o When you get the bill make sure to check it out. Miscellaneous items may be used to cover the rags that have been used on your engine or fees for hazardous waste but they can also be used to add a few extra dollars to the total charge.

o If there is something in the bill that you do not understand – whether it is in small print or illegible hand writing or techno terms and services that you do not know exists – then ask questions and clear things up.

The best way to avoid being scammed or cheated out of your well earned money is to make sure that you are dealing with an honest and good mechanic. Ask your family or friends if they have any recommendations. And if you have an eligible candidate, do a background check by checking with the Better Business Bureau to see if there are any complaints filed against this mechanic or auto repair shop.



Source by G Jenkins

Educate Yourself More to Find Quick Ways to Make Money Over the Internet

Making money online can be a fun. Everything you love to do can help you in earning money on a regular basis. You just have to make an efficient use of the internet to find some quick ways to make money.

Although lots of people are now using internet to make money they need, the good news is that you can still find enough opportunities to boost your income. Actually, there is no better way to utilize your spare time than starting an online business. Although it can be a tricky situation to maintain your existing job along with your online business, you will soon learn to handle things well. So, do not get intimidated in the beginning. The whole thing looks difficult but it is not.

An important consideration:

To make money online, you must start things by creating a PayPal account. There is no better way to send and receive payments than PayPal.com. So, create an account today but try to go for a business account as it will allow you to make use of PayPal debit card. This card can then be used to purchase groceries, gas or anything you want. This card will make things much more convenient for you and you must open an account without wasting any time.

Here, it is significant to mention that there are several quick ways to make money online but it is easy to waste your money and time by making a simple mistake. You can avoid making such mistakes by educating yourself through those sites which offer assistance in this regard.

Always keep in mind that there are several ways to make money by using the internet but you must know how to deal with the whole process. You must have computer skills along with the capabilities to upload, download and transfer files as these things are required on a regular basis. So, educate yourself more as no one but you can save yourself from wasting your efforts.



Source by Travis Thomason

Why is a Car Lease the Best Option for You?

Car leasing has been traditionally regarded as a beneficial phenomenon for reasons more than one. At the sunset, if you are leasing a car instead of buying the same, you are absolutely avoiding almost life-long commitment to a car with depreciating value. Add to that, you're coughing up less on maintenance and as monthly fees as well. Explored below are other reasons why leasing a car turns out to be a great option for you!

A car with "better value" guaranteed!

When compared to buying, leasing remains a more fruitful option because inevitably you are paying for the depreciation of the car during the lease period only. Since you do not own it you are not really committing to the car's value for a longer time. Your monthly payments, as a result, are lower than other forms of finance. This, in turn, leaves you with the option to secure a more desirable make or trim. You are basically driving the car mostly during its trouble-free years.

Latest Technology

As someone leasing a new car you are actually enjoying access to the latest technology backing cars. MirrorLink, for instance, remains one of the popular additions in the line-up modern techniques. It syncs your smartphone screen with that of your car's improved night vision. Then there is Autonomous Emergency Braking which minimizes the risk of crashes.

Down Payment is not always Mandatory!

If you are leasing a car, you do have the option of not selling out down payment. However, you need to make the first month's payment along with the registration fees and official tag. In this regard, it must be stated that there might as well be some car lease promotional deals that require you to cough up the down payment.

What are the Big Ticket Monitoring Costs: How can you avoid them?

The big-ticket monitoring costs can be duly avoided as well. Since you are driving the car in its trouble-free years, you will not really be required to replace the aircon units or for that matter the timing belts. What more? You might not as well require batteries as well!

Are manufacturer's warranties covered?

If you are prudent enough to lease for a term which is almost similar to the manufacturer's warranty coverage, you will actually have your car repairs covered. Depending on the terms of the lease you might as well find some companies offering you free scheduled maintenance services.



Source by Christopher Amico

Lonavala: Weekend Getaway

Lonavala is a popular hill station that is located in Pune, in the state of Maharashtra. There are a number of wonderful tourist attractions in town and many tourists visit it often because of the wonderful scenery found here. There are a number of great hotels in Lonavala that offer some wonderful accommodation that fits the budget and finding a room will not be hard.

Lonavala can be reached easily from most places in the state as it is located on the Mumbai-Pune Expressway and is connected to many towns like Khopoli, Karjat and Talegaon. The town is also well connected to other places in the state by railways and there are a number of trains coming here from places like Mumbai and Pune every day. The train journey from Mumbai can take close to 3 hours and the journey from Pune takes about an hour. There is no airport close to the town, except for at the cities of Pune and Mumbai. A number of tourists from the cities of Mumbai and Pune have started buying homes here, which are usually vacation homes and second homes. This has led to a number of wonderful properties coming up in the hill station where people can buy great places to stay.

There are a number of wonderful spots at Lonavala that offer tourists some wonderful experiences. The Rajmachi point offers you some mesmerizing views of the town and the valley. There are a number of bus services in town that offer great transport between the town and places like Rajmachi Point. The Lonavala Lake is a wonderful place where one can relax and enjoy the scenery and Tiger’s Leap is another wonderful tourist spot in town that offers you some fantastic views of the town. There is also a wonderful wax museum that is located here, which is a great place to visit and popular among many tourists that come here often. There are also a number of popular dams located in town, like the Valvan Dam, the Bushy Dam and the Tungarli Lake and Dam, which are popular spots among tourists visiting the town.

Lonavala is a wonderful place for a weekend getaway or for a wonderful summer vacation, away from the hustle and bustle found in the big cities like Mumbai and Pune. There are a number of things one can do in town and it gives you an opportunity to see some of the most amazing places in the state.



Source by Himanshu Lal

Pay-As-You-Drive Personal Auto Insurance – Recent Developments

California private auto was changed forever in 1988 with the passage of Proposition 103. Among other things the regulations provided that insurance companies must accept all good drivers (as defined by them) and rate auto on 3 primary factors: Driving Safety, Annual Mileage, and Years Driving (rather than age of driver).

Later some 40 other factors would have accepted onto a list of other permitted secondary factors, although insurance score is not one of them. Territories were abolished in factor of some statistically-built bands related to accident frequency and other factors. Occasionally, even the number and differentials between bands would be narrowed.

The effect of the original regulation and the consequential changes was to cause or increase subsidies for a variety of policyholders:

  • Drivers with accidents subsidize good drivers
  • Long annual mileage drivers subsidize short annual mileage drivers
  • Urban drivers subsidize rural drivers
  • Nearly everyone subsidizes low experienced male drivers

The existence of these subsidies causes shortages in the marketplace and influences behavior that may not be desirable. For example, if drivers with accidents pay too much overall, this may cause an incentive to under report accidents. Less data is usually not good – the absence of accidents in the database will extremely raise rates for the next lower level of accident-proneness, as the higher risk drivers seem to belong in the lower accident group based on their statistics.

Other effects of forced subsidies are the introduction of new companies that are specialists in the over-priced segment of the market, increases in the number of drivers in the temporary market, and rate increases for truly good risks.

Pay-as-you-drive insurance:

It is the limited number of categories for annual miles driven that catches the attention of regulators and others wanting a more refined rating plan. Number of miles driven looks like a reasonable way to measure exposure and is easily understood by policyholders. Presumably in combination with "where you drive" (territory, that is. Although this is not "where you drive", it's "where you LIVE"), it would seem to cover a driver's exposure very well (see next section for what research shows).

The new proposed regulation is being touted as a "green" provision, encouraging drivers to drive less by having their insurance coverage apply by mile driven. California Insurance Commissioner Steve Poizner has proposed this optional rating mechanism, allowing insurers to offer a voluntary option for consumers who are interested in pay-as-you-drive coverage.

Consumer groups are opposed, saying that there is not enough protections in the law for protecting the privacy of insured's everyday activities. Some tracking mechanisms include "OnStar" satellite and GPS-based meters similar to those used in cell phones.

Quoting from the article:

"The Environmental Defense Fund estimates that if 30% of Californians participate in this voluntary coverage, California could avoid 55 million tons of CO2 between 2009 and 2020, which is the equivalent of taking 10 million cars off the road. This would save 5.5 billion gallons of gasoline and save Californians $ 40 billion dollars in car-related expenses. Additionally, the California Air Resources Board has recommended the adoption of pay as you drive as one of the means to meet future climate change gas reduction targets. "

Hard to ignore potential emissions reductions like these numbers.

b> But the research shows:

The research shows that pay-as-you-drive insurance may not get at the true exposure to auto insurance claims for each insured. For liability coverages, age / gender combination, along with insurance score and geography are the largest claim level predictors. For property damage coverage, the model of the car takes over as the number on predictor (the others then follow). This information is from a research paper The Relationship of Credit-Based Insurance Scores to Private Passenger Automobile Insurance Loss Propensity, Michael Miller, FCAS and Richard Smith, FCAS, Epic Actuaries, June 2003.

Pros / Cons of Pay-As-You-Drive:
Pros:

  • Exposure for insurance tied to miles driven – easy to understand by drivers
  • The amount you pay for insurance would be directly controlled by the driver, rather than on factors such as sex, age, martial status, etc. that the driver has no control over.
  • The current proposal is for an optional credit, giving low mileage drivers a choice.
  • Reduced emissions

Cons:

  • The amount a driver pays should be as closely tied to his / her exposure to loss as possible, to avoid cross-subsidies and comply with Actuarial Standards and Principles.
  • Tracking mileage is difficult and some methods proposed inspire fear of lack of privacy in some consumers and consumer watchdog groups.

My opinion is that there are better, less complicated ways to refine the rating plan options when it comes to annual mileage, and still emissions lower emissions and "green" policies. One obvious one is to simply increase the number of mileage bands in the current plans and offer "green" discounts (and debits) based on the type of vehicle covered. Discounts for Prius's, debits for Hummers.



Source by Kimberley Ward