Welcome to Michael's Article Collection

Welcome To The World Of "Upside Down" Motorcycle Loans!

With the depreciation on motorcycles being so enormous after they are driven off the showroom floor, the potential for a buyer owing more on their motorcycle loan than the bike is worth it quite high. Owing more on your bike than it is worth is often referred to as the world of “up side Down#8221;.Many people finding themselves in this situation discover that financial lessons are someti. . .

Save Thousands on Any New Car by Using the Internet

Failure to do your homework will prove costly when you purchase your next new vehicle. The internet makes all of the essential information accessible for free, so fire up your computer and get ready to save money. If you are unlucky enough to be trading in your old vehicle, brace yourself because it is going to be ugly. The price dealers offer to pay is always painfully low. Don't be fooled . . .

Auto Trader or Ebay

For Auto Dealers across the nation, today’s market is getting harder and harder to handle. Sales are seeing a downturn after such a long up swing in the market. To counteract the ever increasing expense of running and maintaining a profitable dealership, dealers need to be savvy in today’s market.New trends are emerging in today’s market. Down turn markets always seem to bring out the new id. . .

What to Remember When Purchasing Your Car

Buying a new car is the second most expensive thing most consumers buy. Next to houses of course. That is why it is important to know all the tips on making car buying easy and less stressful. Think about the car model and features you will want. Also think about how much you are willing to spend and STICK TO IT. Car salesmen are almost always paid on commission which means all they want is you. . .

Checking Fluids

Keeping your vehicle in tip-top shape requires constant monitoring of vital fluids. Read you owners manual and look for a diagram of the engine. Most times there will be a diagram showing where to check all the major fluids. This should be your starting point. If your manual is lost in the glove box or you never had one, then ask your mechanic or a friend who knows cars to show you all the plac. . .

Auto Tools For The DIY'er

If you are a car owner who occasionally works on his or her own car, please don't go out and spend thousands of dollars on high priced tools. Professional mechanics make a living with their tools and need the best. If you are doing minor repairs on your own vehicles a lower cost tool set will do just fine. We have teamed up with AutoBarn.com to bring you the best price on tools for the DIYer. K. . .

Newspaper Information And/Or Police Reports Regarding You...

As the accident victim you should check to see if there were newspaper accounts reporting the accident. If there were clip out the relevant articles and save them. The area’s local newspapers should also be checked for the possibility that they may have published a synopsis of the weather on the day of the accident. Upon clipping out such an item a notation should be made indicating the name of. . .

Used Car Auctions: Do's and Dont's

This is Part 1 of a 4 part series on how to buy a car at an auctionSo you are looking for a car or truck, but you're tired of running around town and finding other people selling their "headaches" through the local classifieds, or dealers offering "cream-puffs" for inflated retail prices. All you want is a good vehicle for a good price. Period. Does such a deal exist? Yes, indeed! Repossession . . .

More Environment-Friendly, Fuel Cell Powered Hondas to Tr...

More Environment-Friendly, Fuel Cell Powered Hondas to Traverse the Streets of Los Angeles SoonThis is the latest buzz words in the car industry, but what is it really all about?Honda FCX powered by Honda fuel cells.It has been two years since Honda released the Honda FCX which has become the first fuel cell vehicle in the world to receive government certification, paving the way for the commer. . .

Protect Your Car From Road Salt

Every winter drivers should take active steps to protect their car from road salt. Road salt is necessary for safe transportation when snow and ice accumulate on roads and highways and cause dangerous driving conditions. Salt was first used in the 1930's in snow and ice control to make roads safe and passable by creating a lower freezing temperature of the water. It is the most available and c. . .

Motorcycle Values $ - Buying or selling? You will need th...

And Japanese Motorcycles Only is here to help!There are basically two ways to obtain motorcycle values:1.- In the books2.- In the marketTHE BOOKSIn the United States the two main pricing guides are: the Kelley Blue Book and the N.A.D.A. guides.Personally I like very much the N.A.D.A. guides. They give faithful information about almost every motor vehicle produced since 1933, and several configu. . .

New Car Launches in India in 2005

The Indian car industry has gathered steam only in the last decade. Just imagine - 15 years back, there were only two cars being manufactured in India, the vintage Hindustan Ambassador and the venerable Premier Padmini. The Ambassador was the Indian version of the Morris Oxford, while the Padmini was based on an ancient Fiat model. Compare that to today, when every major automobile manufacturer. . .

What Is My Car Worth?

The question you ask when selling your car is, 'How much is it worth?' Well this question is actually incomplete. You have to add three parts and you get three different answers. How much is it worth when I sell it to a: Dealer Private individual Dealer as a trade-inYou can answer these 3 questions by going to online valuation web sites such as: Kelly's Blue Book in the United States or The Re. . .

Motorcycle Parts - OEM or Aftermarket ???

How To Tell When to Buy an OEM or an Aftermarket Part for Your Motorcycle?This is always a difficult one to answer when shopping for motorcycle parts and I firmly believe that each one of us must decide what's best for our bikes AFTER carefully evaluating each of the possibilities. For me?Well... it really depends on what I am looking for - just replacement or improvement - , the availability o. . .

What’s Makes Chevy’s Number 1 Truck Just a Bit More Entic...

Last Year Silverado unveiled a hybrid version and it’s still included in this years all star line up.The Silverado pickup truck remains Chevy's best selling vehicle, probably in part because it's available in so many configurations. There's a Silverado to suit just about everyone who wants a full size pickup truck. Versatility is one of the Chevy Silverado’s strongest point.A gas-electric hybri. . .

New 2005 Lexus RX 330 Unveiled for 2005

This Hot Selling Vehicle from Lexus is given a Special Edition to entice more buyers. Early January this year Lexus sprung a pleasant surprise on its followers by announcing and unveiling a Special Edition of the 2005 Lexus RX 330. They did this last January 9, 2005 at the North American International Auto Show in Detroit, Michigan. Lexus is calling this special edition of the Lexus RX 330 the . . .

Lawyers And Their Fees

Every individual who violates the personal or property rights of another is financially responsible for the damages cause by his or her act. To collect money for this civil wrong there must be damages or injury; without one or both, there can be no recovery of money.If you have a claim that has a complicated set of circumstances or evidence, one which obviously demands legal advice, than you ne. . .

The Latest Mercedes Car Technology

Automobiles have become normal fixtures in our lives, and they will continue to be our daily companions in the decades to come. Since its earlier days, innovations on automobile technology have been continuous. Engineers and manufacturers have sought to give the public improved performance, more comfortable features and safer cars. And this goal continues up to now and the process has even beco. . .

Winter Car Care

As the weather turns colder, it is time to think about your car for a second. A little preparation can go a long way to making your winter travels a lot safer. Here is a checklist to get you started. 1. Check the antifreeze. The freezing point can be checked with a simple tool available at any auto parts store. Make sure you check the antifreeze when it's cool. Opening a hot radiator can be a d. . .

The Exhaust System

Your car's exhaust system carries away the gases created when the fuel and air are burned in the combustion chamber. These gases are harmful to humans and our environment. A frequent check of your exhaust system is a must to provide for you and your family's safety. Make sure there are no holes in the exhaust system or in the passenger compartment where exhaust fumes could enter. Let's begin by. . .

Test Driving A New Car

One of the most important steps in buying a new or used car is the test drive. You can do all the research you like, but it all comes down to the test drive. Driving the car must be comfortable, easy, and enjoyable. Follow these few steps and get the most out of your next test drive. Check over the car before you leave the dealer's lot. Tires, fluids, and lights should all be checked before you. . .

Body Care

The winter months can be tough on your body... your car body that is. Salt and chemicals used in the colder climates can wreak havoc on your cars precious sheet metal. By doing a few simple things this winter, you can keep your car's body looking it's best. Put a good heavy coat of wax on your car before the winter storms hit. This heavy coat will protect your paint from the corrosive salt and . . .

Taking The Haggling Out Of Buying That New ’05 Auto

If you want to a better way to buy cars online, ECarQuote.com has to be your ultimate destination. With so much to choose and so many attractive car quotes up for grab, we at ECarQuote are committed to offer you a whole new experience in buying a new or used vehicle online. In fact, we have revolutionized and redefined the concept of buying and selling cars online. We reckon buying cars through. . .

Bearings

Since Murphy or whoever it was, took credit for the round wheel, rolling technology has changed somewhat.Today, friction whether static or dynamic, is reliant on bearings to reduce motor or engine load. What is sometimes overlooked is the inherent features and design of a bearings to reduce temperature where it is not necessary.The basic requirement is to reduce contacting surface areas. More e. . .

Should You Have Higher Deductibles On Your Coverage?

What is a deductible? A deductible is the amount you pay before your insurance carrier pays any claim. Insurance companies offer deductibles on certain coverage in insurance policies as a method of sharing risk with the people they insure. Insurers believe that if you, the insured, share some of the risk you will likely be more careful and try to minimize the possibility of a claim. Since you, . . .

The Great Value Of Accident Photographs

You were humming along on a bright and sunny day when suddenly Fred Fuddle, a local character from a nearby town, drunk as a skunk and zooming along in his pickup, flew through stop sign crashing into the right front of your motor vehicle. You had no choice to avoid him. Now the time has come to settle your claim for property damage and personal injuries. Let’s talk about photographs one of the. . .

How to buy a used Car at 90% savings off the book value

To buy a used car is a great idea for saving money. Everyone knows that a new car lost 65% of its value in the first 5 years. But the case would be more extreme for a 1 to 2 years old car, it will lost its value 30-40%. If you don’t mind to drive a used car (I mean a 2 to 5 years old car, it looks pretty new) rather than a new car, you may save much money to pay many other bills. If you want . . .

Technical Service Bulletins (TSB)

Smart home mechanics use all the information available to diagnose problems with their vehicle. Below you will find the two most valuable sources of data available today. Most people know nothing about TSBs, but they should. Both of these excellent resources are available online from websites like AllData.com Technical Service Bulletins (TSBs): TSBs are issued by vehicle manufacturers to help a. . .

Changing a Tire

It always happens at the worst times! You need to know how to change a tire even if you have an auto club membership. Depending on where you get a flat, there may not be a phone nearby to call a tow truck. Let's take is step by step and always remember to read your owners manual, there will be detailed instructions relating to your car there. I should mention also a few tips for getting to the . . .

Your Fuel System

The fuel system feed your engine the gasoline/diesel it needs to run. If anyone of the parts in the system break down your engine will not run. Let's look at the major parts of the fuel system, Fuel tank: Basically a holding tank for your fuel. When you fill up at a gas station the gas travels down the filler tube and into the tank. In the tank there is a sending unit, which tells the gas gauge. . .

How Your Cars Suspension Works

"Suspension," when discussing cars, refers to the use of front and rear springs to suspend a vehicle's "sprung" weight. The springs used on today's cars and trucks are constructed in a variety of types, shapes, sizes, rates, and capacities. Types include leaf springs, coil springs, air springs, and torsion bars. These are used in sets of four for each vehicle, or they may be paired off in vario. . .

Your Cars Electrical System

When the automotive industry was in its infancy, it used electricity only to ignite the fuel inside the engine. By the late 1920's, the electric starter replaced the hand crank, electric headlights made acetylene lamps obsolete and the braying of the electric horn drowned out the squeak of the hand-squeezed air horn. Today, an automobile requires an elaborate electrical system of circuits just . . .

Oil / Lubricants

I receive a lot of questions regarding oil and the least understood part is the number system used to rate oils. Oil weight, or viscosity, refers to how thick or thin the oil is. The temperature requirements set for oil, by the Society of Automotive Engineers (SAE) is 0 degrees F (low) and 210 degrees F (high). Oils meeting the SAE's low temperature requirements have a "W" after the viscosity r. . .

Auto HVAC

Not only do we depend on our cars to get us where we want to go, we also depend on them to get us there without discomfort. We expect the heater to keep us warm when it's cold outside, and the air conditioning system to keep us cool when it's hot. We get heat from the heater core, sort of a secondary radiator, which is part of the car's cooling system. We get air conditioning from the car's ela. . .

The Cooling System

The purpose of the engine's cooling system is to remove excess heat from the engine, to keep the engine operating at its most efficient temperature, and to get the engine up to the correct temperature as soon as possible after starting. Ideally, the cooling system keeps the engine running at its most efficient temperature no matter what the operating conditions are. As fuel is burned in the eng. . .

Your Drive Train Explained

The drive train serves two functions: it transmits power from the engine to the drive wheels, and it varies the amount of torque. "Power" is the rate or speed at which work is performed. "Torque" is turning or twisting force. Multiple ratio gearboxes are necessary because the engine delivers its maximum power at certain speeds, or RPM (Rotations Per Minute). In order to use the same engine RPM'. . .

The Engine Explained

The engine is the heart of your car, but instead of pumping blood, the engine pumps air and fuel. The engines main function is to convert air and fuel into rotary motion so it can drive the wheels of the car. How does it do that ??.... Well let's start with a cutaway of the engine and see all the major parts then we will get into the actual mechanics. Pistons: Most common engines have 4, 6, or . . .

Insights Into Your Med-Pay Insurance Coverage

While Legal Romantics would like to characterize the trial of a lawsuit as a “Search For Truth” that’s not a reality!Cases are decided on the evidence. When reviewing cases before them, judges invariably use the phrase, “The evidence shows”, rather than, “The truth of the matter is”. That first phrase is a reality that filters from the courtroom down to the objective evaluation of each case tri. . .

Auto Accident Collecting For Your Lost Wages

A couple months ago you were toolin' on down the avenue, minding your own business, when out of nowhere, this fumbling, stumbling man by the name of Freddie Fuddle flew through a Stop Sign and plowed into you with a gigantic, rip-roaring, screeching broadside. You were wearing your seat belt but it was still a thundering crash that wrenched and whipped you around the inside of your motor vehicl. . .

Dealing With Henry Hard-Nose ~ The Tyypical Insurance Adj...

Most adjusters function like Henry Hard-Nose of Rock Solid Insurance Corporation. They’re thick skinned and difficult to deal with. Below is a typical verbal exchange a month or so after you and Hard-Nose had last met in an attempt to settle. At that time he had taken the position that the injury to your shoulder was not as serious as your attending physicians Medical Report stated it was. (Que. . .

INSURANCE CLAIM: COLLECTING FOR YOUR LOST WAGES

A couple months ago you were toolin' on down the avenue, minding your own business, when out of nowhere, this fumbling, stumbling man by the name of Freddie Fuddle flew through a Stop Sign and plowed into you with a gigantic, rip-roaring, screeching broadside. You were wearing your seat belt but it was still a thundering crash that wrenched and whipped you around the inside of your motor vehicl. . .

Auto Accident Factoids

Accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American’s elect to drive (unless by the beginning of the 22nd Century we’re all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up; with no end in sight! There are more than 200,000,000 licensed drivers in the United States. (As of 2003 we’re . . .

Do You Know What Your Body Shop Business Is Worth?

Many smaller body shop owners have asked, “How do I appraise my body shop?” In the last month I have been asked to do two appraisals on body shops. The first appraisal was to assist in partnership dissolution; the second appraisal was for marriage dissolution. (That is what the attorneys call a divorce.) Would you like to know how to appraise the value of a body shop business?Before we begin,. . .

Insurance Adjusters How They Work And How They Think

Here comes the insurance adjuster. Is he overly friendly? If so, watch out! It’s OK to be hospitable. Be good-tempered and cordial - - but beware! Never forget he’s paid to save his company as much money as he can. That’s the name of his game.DON’T SIGN ANYTHING: Don’t overestimate the good will of the adjuster. They’re trained to investigate accident cases in such a way, if at all poss. . .

Auto Accident Insurance Claim Personal Injury Insights

There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the “pain and suffering” you were forced to deal with.Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense’s, including repair. . .

Your Insurance Claim - Medical Insights And Expenses

There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the “pain and suffering” you were forced to deal with.Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense’s, including repair. . .

How to Negotiate A Settlement With An Insurance Claims Ad...

You and I. M. Strong, the adjuster from Granite Mountain Insurance, are sitting at your kitchen table in an attempt to settle your motor vehicle accident claim.Strong is all wound up and on the offensive, rambling on and on about how your injuries weren't serious. His typical pitch usually goes something like, "Look, I've been at this a long time. I've talked to people like you, day in and day . . .

~Car Accident Insurance Claim~ Regarding Impacts And Inju...

As of January 2003 it was determined that in the good ole‘ US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles last year. This amounts to a little over one crash per second. Let’s take a look at four of the most common of these gazillion impacts and the typical injuries they cause.#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are . . .

Sharing The Road Safely With Commercial Vehicles

(NC) — Since the 1970s, the number of vehicles on Canada's roads has increased by 80 per cent. Despite this dramatic increase in traffic, the number of road fatalities has been cut by more than half.While every province and territory is responsible for highway safety by enforcing laws and maintaining highway infrastructure, Transport Canada is improving the safety of our roads by funding upgrad. . .

~AUTO ACCIDENT INSURANCE CAIM~ Getting Reimbursed For You...

You’ve had a motor vehicle accident some time ago when a local character by the name of Fred Fuddle smashed into your rear end but now you're in the home stretch with his Adjuster, I. M. Strong, and you’re going to be paid for your loss by Strong’s employer, Rock Solid Insurance. A good portion of it will be for your "Pain and Suffering". That is, in the lingo of insurance claim settlements, yo. . .