Insure Your Auto - Car Insurance and Loans: August 2012

Friday, August 31, 2012

Car Parts and Auto Parts - Making an Old Car Look Like New

A car is something you get great use out of. People use their car until it looks like it is going to drop. However, just because your car does not look it's best, does not mean you need to buy a new one. Even if your car parts and auto parts are in need of a little fixing. There is so much you can do to make your older looking car, look brand new. Whether it is interior, exterior, or under the hood; the possibilities are endless. You just need a little car makeover.

While a new car means new car parts and auto parts; there is almost nothing a little auto job can not fix. Cars are meant to take quite some heat from their owners. They are strongly built machines that can endure more than we think. They usually have a pretty long life span before you can finally call it quits. Even when vehicle accidents happen (providing it is not a horrible one), majority of the time, the cars are fine. A little fixing up inside and out goes a long way.

If your car is looking drab on the outside, go ahead and get that makeover. A little paint job can do wonders for an older car. It will make your car look shiny and new. Some people may even ask you when you got a new car. Especially if you get new rear view mirrors too; that will really add to the new look.

Fixing up your car does not only mean when the car parts and auto parts are broken or smashed. It also does not only mean a new paint job. There are so many things that you can do inside the car as well. There are new seat covers you can get according to your price range and style. These covers are so great for an older car that just needs a little help. You can pick beautiful covers and patterns. There are even trunk liners, and floor mats. This can help keep your car beautiful, as well as clean. Almost everything in your car that is broken, or just looks like it needs a little help, can be fixed up or replaced in no time at all.

The car parts and auto parts in your car need fixing up here and there. They are meant to be replaced or fixed up once in a while. Even a dented fender or a noisy engine is no need for despair. That can be fixed in a jiffy. Now there is also hope for cars that look down in the dumps, and you really can not afford a new car. This way everyone can make their car look beautiful and new; and there will no longer be any need to be embarrassed when driving around your old heap. This is an affordable way of making your car look new! There is so much you can do, all it takes is a little car makeover!

Friday, August 24, 2012

Student Loans

The day you stop learning is the day when you start decreasing your rewards. Learning is a constructive effort - who knows it better than student. A student is a 'learner' himself. There is no terminal point to the potential of a student. Abridgement of finances is the last thing that must cast a shadow on your plans. It will be like an opportunity wasted for no fault of yours. It is just the beginning of your life being a student and you are plagued with concerns like paying for your education, books, room, computer etc. you open your book and you see payments. Is there a solution to it?

Pertaining to your experience as a student you might know there is no problem that does not have a solution. So the solution of your problem is - student loan. Paying for your college education with student loans is okay but what about bad credit. Perhaps there is one thing that cramps a student's efforts to find a good education more than anything else and that is bad credit. Before having any other degree you have acquired the one for bad credit. This bad credit tag seems to attach itself to your loans application and that too very promptly. However, bad credit student loans are offered to students previously, presently and will be offered in future also. Correspondingly, you can deduce that the opportunity is way beyond wasted.

Students with bad credit taking loans may not seem as a very positive exertion in the first instance. With bad credit already haunting you, you perhaps don't want to take a bad credit student loan. Many students are unable to pay for college education directly. It is unlikely that every person pursuing education has enough money for funding his education. Being in bad credit perhaps makes you even more suspicious of student loans. You might remark why get into financial aid procedure for education. It might happen that you cannot forage a sponsor or your parents cannot supervise your student expenses. You can't simply leave this to your parents.

Many people do not understand the meaning of bad credit or bad credit score. You must have accumulated bad credit without any knowledge. Late payments, arrears, a term used to describe a poor credit rating. Common practices that can damage a credit rating include making late payments, skipping payments, exceeding card limits or declaring bankruptcy. Bad credit can result in being denied credit. But that is passé. Bad credit student loans are abundant and processed keeping in mind the financial parameter and status of a person with bad credit. If you want to straighten out your bad credit situation, a bad credit student loan can promulgate establishing a good credit status.

In the current scenario bad credit has become synonymous with financial opportunities. Being a student you know how much can be achieved with an opportunity. Loan lenders are offering student loans even to people with bad credit. However, it is not all peaches and cream. Bad credit student loans come with an obvious detriment - higher rate of interest. Consequently, it is obligatory to ask the right questions in relation to bad credit student loans. As a student you need to be conversant about the information and paperwork in relation to bad credit student loan. Because the financial-aid package like bad credit student loan is borrowed with the student as the primary borrower, they are fully aware of the potential debt.

If you are still unsure about how to fill an application form or how to apply for bad credit student loan there is still a scope for learning. A student would know that there is always a scope for learning. The best time to get started with getting information about student loans for bad credit is your junior year in high school. Students can do research on various schools available to see what is offered. Taking a student loan unquestionably related to the course you want to apply for. This will facilitate the amount you require for your academic course. While applying bad credit student loan, you must be aware of the amount you need. Planning works like a foundation stone for bad credit student loans. And sticking to the plan makes your student loan acquisition easier than you assume. There are universities that require the students to pay the tuition fees immediately. A bad credit student loan will be particularly supportive in the given circumstances.

Any financial consultant will can divulge in detail over the benefits of research and inquiry while shopping for a bad credit student loan. And this is not without reason. High school counselors, college financial-aid offices and Web sites will encourage your effort at seeking a bad credit student loan. Making early contact with the requisite institution is strongly advocated. Students hunting for bad credit student loans should contact the top three schools of interest and talk to the financial-aid office and maybe the admissions office, and ask what is needed to apply. Make necessary inquiries so that you are clear when you are applying for the bad credit student loans. Make the office aware that you are an incoming freshman so that you are steered to the legitimate department.

A few more things are required to be stated in context of a bad credit student loan. Bad credit student loan is payable only after the student completes his education and starts earning a minimum amount. April 2005 has brought a new revision in the minimum amount. The minimum amount required to be earned by the contender of bad credit student loan has increased from £10000 to £15000. Conjointly, two significant terms relating to bad credit student loans are forbearance and deferment which will facilitate delay of repayment if you don't have money immediately after you have left the school. However, as I already said it is not all peaches and cream. It is not very easy to get a bad credit student loan. Lenders have the tendency to see students as loan borrowers because they are not into regular employment. Since you already have the qualification of bad credit it might serve as an overt deterrent. Moreover, some banks have fixed the minimum age required to student loans to 22. Usually this age is higher than that of average students.

Regardless of the obvious disadvantages, bad credit student loan is offered to students under both secured and unsecured alternative. Being a homeowner will nullify to a great extent you bad credit vibes while applying for bad credit student loan. Unsecured bad credit student loans will invite a higher rate of interest owing to the lack of security that is rendered in a secured bad credit student loan.

Statistics show that more than 80% of people want their children to go to college or get higher education. Yet not even half of them have taken any imperative steps. An imperative and certainly one of the constructive effort is student loan for bad credit. Every time you climb the ladder of education the list of provisions keeps getting bigger and better. 'Bigger and better' portends higher expenditure. Every student deserves education. If you sit back and contemplate, you will realize that a student has more potential than any other person. Somewhere, you already know. To restrict it by words like 'bad credit' is a mere insult to the possibilities of mankind. If you think the loan lenders don't realize it - there is a lot you need to get educated about. Bad credit is not an obstruction but stepping stone to what you are going to achieve. Make use of the probability called bad credit student loans to see the possibilities.

Summer Classics at Easter Compton 2012

Summer Classics was held over the weekend of the11th and 12th of August at Easter Compton. Another local show meant a short drive in Frank to the venue and a weekend with the family. I managed to get some sketching in too. The event had a huge range of vehicles of many different types, which made a refreshing change to a lot of show and shine events, giving a relaxed and informal atmosphere where anyone was welcome to show their vehicle, whatever it may be. For more information on the Summer Classics Show please visit the Website:

www.summer-classics.co.uk

1953 Kaiser Manhattan

(digitally painted ink sketch)

This Kaiser is a rare car indeed, and the restoration is of a very high standard. It's seeing big American cars like this that get me thinking, maybe we need a bigger family car.

I first saw this car at the Gloucestershire Steam Rally where the weather meant I only got as far as a pencil sketch. I was very happy to see this car again and took the opportunity to ink the sketch whilst I had the opportunity.

Chrysler Roadster

(digitally painted ink sketch)

1965 Mercedes UniMOG

(digitally painted ink sketch)

UniMOG stands for Universal Motor Gerat (great is german for Motor). This is a very versatile machine as it is 4 wheel drive and functions like a tractor where various equipment can be attached to the front and rear of the vehicle. The gearing is very low and the current owner said they can haul up to 40 tons! This machine was originally owned by Cardiff International Airport as a purpose built snow blower. It is now undergoing a rolling restoration whilst working on a small holding. THe current owner was very excited about all the bits of kit he could strap on to it. You can pretty much run any piece of equipment that uses a 3 point linkage system.

Bristol

1954 Corvette Stingray

Dodge Convertible

Rowena checks out a Chevy step side with a great patina

6 Wheel Drive Military Truck

1950 Studebaker Champion 2 Door

This car is believed to be the only one in the country and only 51 remain of the 9,362 that were built. The car was bought by the current owners as a 50th birthday present. They travelled to the USA to pick it up. After some "well needed maintenance" they toured the Southern States covering 5000 miles.

1953 Paramount Sports

Approximately 80 of these were built, 8 of these are known to exist and only 3 are on the road. BOught in 1975 this example was restored and put back on the road in 1988, and used ever since.

last but not least...

Frank sported his show and shine guise over the weekend (a layer of linseed oil to keep the elements at bay).

Thursday, August 23, 2012

Debt Consolidation Loan

Debt is a source of finance that helps you, to fulfill your desires. In the past, you must have taken debt from more than one lender to meet your funds requirement. And now it is becoming difficult for you to handle so many lenders at one time. What will you do now? There is a solution to this problem and that is the "Debt Consolidation Loan". No, I am not trying to put more debt burden on your shoulders.

Debt Consolidation Loan helps in debt management, it helps in managing your existing debt. Debt Consolidation Loan as the name suggest consolidate all your existing debt into one for a lower rate of interest. At times, it become difficult to deal with so many lenders and you may even forget to pay the loan installment to any of the lender so there is a risk involved. By taking a debt consolidation loan you become liable to one and only one creditor who offers you this loan.

There are various options available in the market to get a Debt Consolidation Loan. You may choose from one of them that suit your circumstances and needs. If you have a property or home, which you can keep as a security with the lender, then you can opt for Secured Debt Consolidation Loan. In case you don't want or don't want to have your property at stake you can go for Unsecured Debt Consolidation Loan. You can also look for remortgage option.

You can borrow an Unsecured Debt Consolidation Loan ranging from £1,000 to £25,000 while you can borrow Secured Debt Consolidation Loan for any amount starting from £1,000 till £75,000.

Debt Consolidation helps in reducing your monthly payments and keeps you away from the pressure of handling number of lenders at one time. Though everything has pros and cons, debt consolidation too have few disadvantages such as the borrowing period is spread over a longer time this imply that the time period of loan repayment will be more and you will be paying the interest for during that period. Reduced monthly payment may even boost up your spending.

Choosing the most appropriate debt consolidation loans is tough, but not impossible. You just need to make some efforts. You can approach nearby banks and financial institutions that provide Debt Consolidation Loan. Now with the invention of Internet, you can have access to number of lenders and can apply for the loan at the same time by just filling up an online application form. By comparing all the available option choose the one that you find the best, be careful your decision can affect your credit rating. So don't hurry, shop around and you will definitely get the best debt consolidation loan.

Online lenders facilitates you with the credit rating score and loan calculator which can be used free of cost.

Debt Consolidation Loan should not be misunderstood as the mode of reducing the loan amount it only involves reducing the loan payments by extending the loan period.

Even if you have a bad credit history, arrears, bankruptcy or CCJs you need not worry, you can take a bad credit Debt Consolidation Loan that is tailored for you only. The lenders charge higher interest rate for a bad credit consolidation loan, as the risk involved is higher.

Debt Consolidation Loan helps in reducing your monthly payments and consolidating your existing debts, thereby saving your hard-earned money and strengthening your finance. Debt Consolidation Loan tries to make your life smooth and hassle free by leaving you accountable to one and only one creditor rather than dealing with all the creditors.

Wednesday, August 22, 2012

Quicken Loans

The number of people running around to catch hold of the ideal mortgage has the best options online. It is said that over the next 5 years, ten to twenty percent of mortgages will mainly be Internet-based and eighty five percent of equity and refinanced mortgages will be done electronically. This is due to the fact that the Internet ensures that the job of comparing loans is quick and easy. And added advantage is that loans taken online provide a twenty four-hour convenience, are processed sooner and are more economical.

Everything comes with a risk so does the mortgage; online mortgages are not without their dangers.

Rather than offering the loans directly itself, LendingTree gathers up financial and personal information from customers and then submits the acquired information to its member banks that then competes for your business.

E-loans are fast, convenient and simple. You are just required to fill out an application from your computer. You are normally approved or disapproved within a matter of few minutes. Firstly, it has to be kept in mind that the credit rate can affect the amount and interest rate of your loan. It is quite pivotal that you check your credit score before you start looking for a loan. The hitch that comes into picture is the revealing of your personal information on-line, if the thought of entering so much personal data on- line worries you, then you can call and speak live with a LendingTree representative. They will take your information over the phone and then forward it electronically to the member banks and other lenders for evaluation.

Quicken loans come with a no down-payment scheme that makes it easier for the applicant to go ahead with applying for a loan that does not cause any problems for him in accordance to his finances. Online financial services at their best: fast, cheap, and convenient also includes shedding of unwanted paperwork. But it has a disadvantage that of commonly experienced dishonesty, failure to update clients on potential changes and promises that only seems to be speculations. The applicant must go through various reviews of people who had opted for quicken loans as they would be able to give a better insight into the choice of mortgage loans to opt for.

Tuesday, August 21, 2012

Auto Accessories Parts That Make Your Chrysler 300 Look Even More Classy

You can buy a luxury Chrysler 300 with all the extras. Nevertheless, you can buy more auto accessories parts to add your own personal touch to this classic vehicle. The Chrysler 300 might has an expensive and classy look, but unlike other top-of-the-line vehicles in the luxury class, this car is affordable to many people. Any extra cash can be used for quality auto parts or accessories.

Begin with custom car accessories such as the Sherwood Dash Thirty-Four Piece Dash Kit for your dashboard to add a wooden accent to your interior. If you want to spare no expense to upgrade your interior, you can go with the Laurence Gartel Signature Series Dash Art that cost $1300 US and up. Each of these dashes is something unique and comes with a signed certificate of authenticity.

Next, make sure you choose quality auto accessories parts for your Baby Bentley, such as the Mopar OEM AM/FM 6-CD changer/MP3 Player as well as DVD Navigation Radio. These multi-faceted radios come with color digital display which utilize GPS technology to guide you turn-by-turn to any location in the United States or Canada. The unit also comes equipped with the amazing Sirius Satellite Radio technology. It make sense to choose this feature if you have a subscription to Sirius and a proper antenna. This amazing system can set you back a cool $2,000 to $3,000.

If you want to add a satellite radio, for example Sirius to your car, you will need a few additional auto accessories parts first. Mopar sells an OEM Chrysler 300 Sirius Satellite Radio kit for less than $400. This system comes with a neat antennae and receiver you hardwire to your radio. The expense does not include the subscription to Sirius, which will be around $12.95 a month.

A good radio needs a high quality sound system. The Kicker Subwoofer Kit (about $500 US) has a strong booming base. Double that with Kicker Premium Front and Rear Speakers (around $280 US), and you will have the rivalry of all custom car accessories.

Purchase either an All Sales Flame Rearview Mirror ($90 US) or All Sales Polished Billet Oval Rear View Mirror ($80 US), in addition to DUB Custom Edition Floor Mats ($80 US for set) for a classy finishing touch.

The exterior of your Chrysler 300 should be treated with as much quality and classy auto accessories parts as the interior. Installing an E&G Classics "Phantom" Style Grille for $800 US would make your car look powerful and elegant with its stainless steel design. Be aware however, this classy item only fits the 2005 and 2006 models of the Chrysler 300.

For less than two grands you can have a sleek, sporty look from grill to bumper, by grabbing a Xenon 6-piece Fascia Auto Body Kit. If you rather want to prevent scratches, why not invest in a JT Auto Style's Vertical "Lambo" door kit. This will prevent you from denting anyone's car or scratching your own doors when opening them in tight spots. To install these two custom car accessories you'll need professional help. You also need to make some minor body fixes to make them fit well. You can find all of these quality auto accessories parts by visiting a local dealership or car accessory parts store. But the simplest and cheapest way will be to order them online. If you find them online, you don't have to shop around to find the best deal.

Friday, August 17, 2012

Gloucestershire Steam Extravaganza 2012 Report

It's always a joy and an education going to a steam rally and having such a good one on my doorstep meant another weekend out in Frank, a lot of sketching and dodging rain storms.

The Gloucester Steam Extravaganza took place at South Cerney Airfield, this is a huge venue which was definitely filled with Steam Engines, Commercials, Military vehicles, Tractors, Cars and Motorcycles. There was a huge amount to see and I was kept busy for three days, so I can highly recommend going next year, please keep an eye on the website for details of the 2013 event:

www.steamextravaganza.com

Working Steam engines driving large wood saws.

1901 Aveling and Porter RC10 "Prince Albert"

(digitally painted ink sketch)

This 10 ton Steam Roller "Prince Albert "made its first appearance at the Gloucestershire Extravaganza since 1937 at the Rally. It was bought as a wreck and intended as spares for another engine, "Queen Victoria" (see photo below), but it turned out that nothing could be used so instead the family that owned it decided to do a full restoration. Restorations on cars are one thing but a steam restoration is a major undertaking and I have huge admiration for anybody that achieves such magnificent results. "Prince Albert" worked on the North Circular in London among many other road works.

Queen Victoria and Prince Albert.

Family owned and run, Queen Victoria was bought in the fifties when it stopped it's working life. The weekend after it was purchased it was taken to a rally.

1919 Fowler K7 Ploughing Engine

(digitally painted ink sketch)

This rally was a real education for me and this was one of the highlights. A Ploughing engine, these would work in pairs using the underslung steel cable to drag a plough from one end of a field to another. Also due to the rain being on and off the owner gave me permission to uncover and cover it so I could continue sketching. This meant climbing all over the engine to get a big canvas cover on and off the motion on top, great fun!

Portable Engine

(ink sketch)

These small engines are the original steam engines that were used to power various machines. These would be moved about using horses, until those clever Victorians worked out they could move the engines under their own steam. These engines are very rare and it was great fun sketching it.