Renting a horse trailer: Some facts you should be aware of

f you require to use a horse trailer only few times in a year, then you might want to consider renting horse trailers instead of considering horse trailers for sale. Instead of going for horse trailers for sale, by renting you end up saving a lot of money and effort. There is no need to worry about yearlong maintenance or think about the heavy investment. All you need to do is look for a good quality horse trailer and rent it for your temporary need. Although the process sounds quite simple you need to make sure you pay attention to certain facts pertaining to the horse trailer before you rent it.

Condition of the horse trailer

Unlike when you go for horse trailer for sale, while renting you would be looking at a used horse trailer. Make sure the trailer is in an appropriate condition to be used. The braking system, lights, ramp, dividers, posts and bars should function effectively. Should you find any flaw in one of these aspects or any other aspect, make sure you notify the owner before renting the horse trailer. It is better to have a written agreement regarding the condition of the horse trailer, so that no problem arises while you return the trailer after use.

Renting a horse trailer

Additional facilities

If you are opting for horse trailers with additional facilities like living quarters, make sure you have sufficient space and provisions for sleeping, working and other activities you might have to perform while making use of the living quarters. Pay attention to the weight of the entire unit as you might have to invest more in the towing vehicle in case the horse trailer is too heavy.

Payment details

Make sure the payment process is transparent and both you and the person who rents the horse trailer to you are in amicable terms. If there is any doubt or confusion regarding the same, you should clarify it before proceeding to rent the horse trailer.

If you keep the above mentioned tips in mind, your horse trailer renting would go smoother than opting for horse trailer for sale.


Will Shipping a Car Invalidate its Warranty

Many people are concerned that if they start shipping a car, their warranty will suddenly become invalid. Of course, this depends on the terms and conditions of the individual policy. Generally speaking, shipping a car to another country will then mean that the vehicle is no longer covered. That being said, there are ways around this problem. For instance, a lot of people these days are looking at switching their current policy for an international vehicle policy. Although this might increase the overall cost, it does mean that the warranty is still valid.

Essentially, those people that are expecting to use their warranty outside the country where the warranty was valid will find that it suddenly becomes invalid. Another thing that a lot of people do is to ship the car abroad and then try and find an international car warranty policy. This is certainly not a wise decision, simply because the vehicle might breakdown before the warranty is purchased and therefore, the driver will be the one that has to pay for all the repairs.

You can check these resources for some usual terms and conditions:

In the majority of countries, the warranties are based on specific time durations. If a warranty expires, drivers have the option to extend that warranty so that they are still covered. Before trying to purchase international cover, it would be wise to have a standard warranty cover in place.

Generally, international cover is not as expensive as many people think and considering the features included in many policies, it actually offers excellent value for money. Contacting a local dealership or even the car manufacturer will lead to finding the best warranty provider for that particular vehicle.

When looking at a warranty, it is important to consider the repairs. Most cover is only valid if repairs are done by a recommended garage. It is important to see if this is till the case with a warranty provider in another country, as their restrictions might actually be slightly tighter and their recommended garages might be few and far between, which can cause issues in the long term.

Essentially, the answer to the question; will shipping a car invalidate its warranty? The answer tends to be yes. Warranty providers provide cover based on the car being in the country where it was purchased and therefore, if it is shipped elsewhere, they are likely to invalidate the warranty until the individual upgrades to international cover, which covers them all over the world.


How bearing pullers are used in cars

A bearing puller is a tool that is used for repairing engines. This means that it is an ideal tool to have handy if you want to do repairs on your car. They are used to release pressure set bearings or to fix them and so if you are doing a repair that needs one then you will need to find a good supplier of SGS supply specialist bearing pullers.

It can be wise to do some car repairs yourself. It can save a lot of money and with so much information available on the Internet, it is easy to be able to find out how to do it. Some repairs are obviously more tricky than others and may require expertise and specialist tools and materials. However, a bearing puller is very simple to use and find and so anyone could do it.

All you need to do is to apply gentle force and the puller will remove the bearing without damaging it. They can work in slightly different ways but with the same principle that slow leverage will remove them without causing damage.

You will need to make sure that you have the right tools and parts for the job, but simple items should be able to be easily found in a car supplies store. You may be able to get the things cheaper online though, if you are prepared to wait a bit longer for them.

Fiddling with a car engine may seem like a worrying thing to do. However, you can photograph it as you go along so that you can remember where every bit came from that you have removed. You can look up each step online. If things go wrong you can always pay a mechanic to finish the job, but it things go well, you will save some money and learn some very useful new skills. You never know when you may need to do a repair and just do not have the money for a mechanic or there are none available. It can be useful having some knowledge so that you can get yourself out of trouble, even if it is only a few basics.

You can learn everything you need to know online, but you can even do courses that will teach you a lot more than just how bearing pullers are used in cars.


Buy vs. Lease – Understanding Your Car Finance Options

Buy a new car! Buy a used car! Lease a car! Don’t buy a car — walk! Ride a bike!

Oh boy. There’s definitely a lot of different opinions out there, aren’t there? One minute you think that you’re making all the right moves within your life, only to find that you might be only looking at part of the situation. No matter how you got to this point, you might be in the market for another car. If it’s not brand new, then it’s at least new to you. And that’s what really matters, right?

Well, the truth is that you have choices. You can finance a new car, finance a used car, or even lease a car. But how do you know what the right decision is? Don’t you want to make the right decision? Of course you do! But when you look online you might still look around at all of the different thoughts on the subject and still not know what to do. Sometimes that’s the downfall of personal finance sites — there’s so many people saying different things that you might not realize what to do. You just have to make sure that you take a stand and base your decision on what’s right for you!

So, how do you figure out where you should go in the “buy vs. lease” tent? That’s what we’re going to cover today.

First and foremost, you have to understand how leasing works. Yes, the benefits are many. You’re going to basically get into a new car every few years, but the downside is that you will not have any ownership of the car. This means that you will need to pay full coverage insurance and you will need to make absolutely sure that you are careful with the car. Any accident damage has to be fixed immediately, and that means that you need to push forward and take action right away to make sure that you will be alright in the long run.

Mileage is another thing. Drivers that long to do big road trips might find that leasing really isn’t the answer that they’ve been looking for. You have to estimate the number of miles that you will drive each year. The leasing company will only give you so many miles to go around. If you blow through them, you’re looking at a lot of money when you turn the car back in.

Yes, it’s nice to get a new car every few years, but what about when you own a car that you don’t have to make any payments on? Constantly leasing a car is much like renting a house. Yes, you get the benefits of having a roof over your head, but its’ not like you can make any changes or hardcore customizations. You have to ask permission for everything. And when changes are allowed, they’re expensive — see our notes on mileage in the last paragraph if you don’t believe us.

There are certain people that do benefit from leasing, lest you think that we are throwing out the whole baby with the automotive bathwater here. Self-employed people may be able to write the leasing payment off as a business expense. They’re going to need to check the vehicle rules with the IRS to make sure that they don’t land in hot water before they try to do this. Taking it out in the name of your corporation also helps as well so that there’s no issue of personal liability.

There are some good points to buying your car outright. For starters, you’re going to have a lot of low-interest financing and cash-back offers — especially if you have good credit. That’s because dealerships and automakers as a whole want to make sure that you’re getting into a good car. However, it’s hard to stem the flow of people that buy a car once every 7 years compared to people that buy a car once every 2 or 3 years. Leases turn over a lot faster, because you want to get from one new car to the other. This is also a great time to figure out what you really want to end up owning. Yet if you’re going to do that, you can also rent a few cars and drive them around town to see what you really like and what you don’t like. There’s no point in just spinning your wheels trying to figure out where to go next if you know what you want.

There’s nothing wrong with owning a car outright, and there’s nothing wrong with leasing. You just need to find out what’s really going to work for you and stick to that. That’s what we think you should focus on, anyway! Good luck out there!


Are Long Term Car Loans Really A Good Thing

Are you thinking about a car loan in the future? You’re definitely in the right place! We’re really crazy about car loans, but the truth is that you have to still go in and do your homework to really make sure that you’re making all of the right moves from start to finish. Yes, it’s tempting to just rush into getting a car loan, but the truth is that you’re going to end up making your life a lot harder than what it needs to be. It would be better in life to really make sure that you have things under control when it comes to such a major financial purchase. While we believe in the power of car loans, the truth here is that you’re going to have to think about the type of loan that you get.

For example, should you get a car loan with a long term? The truth is that the longer the term you get, the lower your monthly payment is going to be. When you’re thinking about anew car, a lot of people think about getting a long car term so that they can actually afford a much more expensive car than if they had a shorter term. However, what you really should do is make sure that you use a car loan calculator.

Loan calculators help you really figure out what you might be paying for your car payment each and every month. Calculating is a smart idea because then you won’t be tempted to spend too much money. A nice car is definitely something that everyone wants to have, but at what cost? If you overspend you’re not going to have the car for very long. Even if you manage to keep the car, you’re going to always find yourself wishing that you had a little more money to spend.

A longer term means lower payments, but it also means that you’ve spent a lot of money over the life of the loan. The longer you have the loan, the more interest that’s going to be generated. That’s why a lot of people tend to go with a much less expensive car to start with that has a shorter term. It might make payments a little high in the beginning, but the truth is that as time passes the payments will get smaller and smaller. In addition, you can always help yourself out by making sure that you think about extra payments. Tax time is a great time to make an extra payment on your car loan because it goes straight to the principle before anything else.

Are you wishing for a new car? Then you’re moving in the right direction. The bottom line here is that you want to always make sure that you’re focusing on your overall financial blueprint. Short term desires are nothing compared to long term goals. A car loan with a long term might be what fits into your blueprint, but there’s really only one way to really find out — you’re going to have to calculate it out and see for yourself!


Is it Better To Get a Car Rebate or Low Interest For the Car Loan

Low interest! Car rebates! Cashback! Year end deals! The holiday season is in full swing now, so why shouldn’t the car dealerships get together to figure out how to part you from your money? It’s only natural — they’re going to want to make absolutely sure that they are able to get you in the door with enticing offers. If you have good credit, you’re going to be able to get a lot farther than someone with challenged credit. And these days, getting into a new car is easier as dealers realize that sometimes it’s better to accept someone with a little more credit risk than end up losing the sale just because they couldn’t pull financing. If you have a good down payment you might be able to get into something really nice — you just never know until you find out.

However, before you can actually get too excited about the prospect of getting a new car, you’ve got to answer that pesky problem of financing. You need to figure out whether you should go with the car rebate or with the low interest loan. In a perfect world, you would get both. But this is capitalism at its finest — you’re going to have to pick one in exchange for the dealer giving you a bit of a break. It’s only fair, you know.

Well, in order to figure out which choice actually makes the most sense, you’re going to need to do some break even calculations. We’re going to provide a small example here to show you what we mean:

We are going to assume that you are purchasing a vehicle that offers 2.8 percent financing or $2,000 cash back — the car is $20,000 dollars. To avoid problems creeping in, let’s assume that there is no tax to deal with. We have to figure that the cash back will be pulled into part of the loan for comparison purpose. This means that you’re going to have $22,000 to finance at an average term of 48 months. This will be at 2.8 percent, which gives you a payment of around $485.01 every month. That’s quite a bit of money, but hey — welcome to the world of financing a car, enjoy your stay right?

Right. Well, if you could go to your bank for the financing, you’re going to have to fork out a lot more in terms of interest rates. The average bank loan is about 7 percent — and that’s if you have decent credit. We don’t even want to get into what’s going to happen to you if you don’t have good credit, you know what we mean? It’s definitely a squeeze!

If you go to the bank, you don’t have the cash back — so it’s just the $20,000 that we’re trying to finance. $20,000 financed at 48 months at 7 percent is going to be $478.92. That’s not that much difference — and you might have a better relationship with your bank, to the point where you can work out even better refinancing down the road as long as you prove that you can handle the car payments.

The cost of borrowing comes into play when it comes to understanding why the low interest rate offer is actually a worse deal than the bank offer. You have to add the $2,000 back into the cost of borrowing on top of the interest ($1,280.48 if you’re not playing along with your calculator)

Of course, we’re going about all of this the long way. If you really want to make sure that you know what’s going on you might want to just use an online calculator that lets you break down both offers and tell you which would be better. There’s actually quite a few, and a quick web search will provide you with more links than you can shake a low interest rate offer at — we promise! Good luck out there and make sure that you are always looking at the bigger picture rather than just taking the offer that looks shiny! Start today!


It’s Time to Refinance Your Car Loan – Now What?

Car loan payments too high? Chances are good that it’s time to refinance your car. If you’re not sure what refinancing actually entails, you might think that it’s going to take too much time, or you’re going to have to do a lot of work for little reward. Nothing could be further from the case. You see, car refinancing just means that you’re going to be taking out a different loan that will take care of the original loan that you took out to get your car. This new loan will be at a lower interest rate, which means that you will have a much lower monthly payment than you might expect. You can save a few hundred dollars in some cases, especially if you had to take out a car loan with a huge interest rate just to get a new car worth driving. Once your credit score improves, you should definitely look into refinancing.

There are a few things that you will need to do in order to make sure that you will be able to pursue car refinancing.

First and foremost, if you haven’t pulled your credit report, you should. There’s nothing wrong with knowing exactly what’s on your credit report, and you don’t want to make the mistake of not knowing. Even one piece of incorrect information could lower your credit score to the point where you don’t get the loan that you deserve. It’s better to just push forward and make sure that you’re getting the loan that you need the first time out, so you don’t have to send out too many inquiries in the auto loan shopping. While it’s true that creditors do forgive home or auto inquiries when done in a tight period of time, you still don’t want too many inquiries on your credit report. It tends to hurt your score after a while.

From here, you will need to contact your current lender / finance company and get the payoff balance. Keep in mind this number may be a bit different than what you paid for the car, because it calculates the interest that you owe as well. Write the number down and ask how long the quote is good for. Generally speaking, it lasts for about ten days. After that, you would need to contact the company again and request a new payoff loan quote. It’s very important that you don’t skip this step, because you have to do the total amount in order to fill out any refinancing paperwork.

Speaking of refinancing paperwork, you don’t want to do this offline. Offline rates won’t be as good as online rates, because you want to make sure that the new lender is really fighting for your business. That’s where the power of the Internet comes in. Lenders know that when people shop online, they’re automatically looking for the best rates possible. If you go offline, then the new finance company might think that they can get away with hitting you with a higher rate than what you deserve.

These are the main steps that you will need to take in order to really make sure that you’re going to be able to get the car refinancing that you deserve. As long as you take these tips into consideration, there’s really no way that you could fail!


The Ford Mustang vs. the Chevrolet Camaro

There is an intangible quality about American-made performance cars that put them in a class all of their own. Today’s muscle cars are not just for middle-age men; a brand new driving generation that is bored with the current market’s compact cars is joining the ranks of performance-car lovers. The biggest difference between the today’s and yesteryear’s muscle cars is that modern models keep the integrity of the older versions’ body styles while incorporating the latest technology. This means drivers get to enjoy performance and fuel savings: It’s the best of both worlds.

In most cases, a muscle car was simply a coupe variant of the bigger cars that were driven on American roads through the 1960s-1970s. But there are two distinct makes and models that were a cut above the rest – the Ford Mustang and the Chevrolet Camaro. Even though each was designed by seperate manufacturers, both auto makers borrowed the features of one another’s model.

The Ford Mustang

Back in April 1964 when Lyndon Johnson was the current President of the United States, General Motors was thought to be the ruling auto maker in the nation. At this time, Ford was still one step behind the greatness that was GM, mostly due to Ford’s failure with the Edsel model manufactured in the 1950s. Regardless, the World’s Fair was popular at the time and Ford took a place at the fair to promote their new model – the Mustang.

This 2-seater, 2-door coupe borrowed the design features of the Falcon and the Fairlane. The first model in 1964 was credited as being one of the best introductions in terms of new vehicles. It came with a standard V6 engine, and an optional V8, helping it to quickly surpass previous selling records and become one of America’s hottest cars. And when Ford created the retro Mustang in 2005, this model yet again caught the interest of car enthusiasts throughout the nation. Its high level of popularity brought back the public’s fascination with muscle cars and prompted General Motors to build a competing model.

The Chevrolet Camaro

Although it’s sad to say, General Motors took awhile before it responded in kind to the Mustang. Three years after the Ford Mustang’s introduction to the market, GM designed not only the Chevrolet Camaro but also the Pontiac Firebird. Even though both automobiles had an impressive level of sales, neither car could quite compare to the Mustang’s sales records. During the Camaro’s last year in 2002, production quickly dwindled. Although the Camaro enjoyed a long 35-year history, the public again became interested in this Chevy model after the retro 2005 Mustang was introduced. This prompted GM to once again fire up the Camaro production lines in 2010.


Paying Homage to the Chevy Pick-Up Truck

The first Chevrolet pick-up truck went on sale in 1918.  Back in the days, there were no big dealerships like Phoenix Chevrolet. The earliest Chevy truck models were much different than modern trucks; however, their initial trucks had a big impact on the automobile industry. Instead of using horses and other strong animals for hauling, people could use motorized vehicles. It was not uncommon to see ranchers and farmers using Chevy trucks for a wide variety of work purposes.

Louis Chevrolet and William Durant

The Chevrolet pick-up truck was meant to be a truck that was affordable for average people. When Louis Chevrolet and William Durant collaborated to make this dream a reality, they became a force to reckon with. Chevrolet had a love for the race cars he drove and Durant carried a grudge towards General Motors, which was the company he founded and was forced out of. However, his involvement with Chevrolet would help him regain his place at GM.

The Early Chevy Truck Models

The early Chevy truck models were crude compared to today’s standards. They featured a four-cylinder motor, transmissions and chassis cowl. The truck buyer was responsible for providing the cab, which could be bought from independent companies. However, most truck owners built their own cabs. Several years into production, Chevrolet would finally offer cab and no-cab options.

Although pick-up trucks were not built during the Chevrolet brand’s beginning years, they quickly became vehicles solely designed for work to trucks the whole family could enjoy. It wasn’t too long before their pick-up trucks became multipurpose vehicles.

The Economic Downturn of the 1980s

From the very start, Chevrolet trucks grew quickly in terms of popularity, forcefully knocking out their competition. But the economic turmoil of the 1980s took its toll on the United States and Chevy sales dropped in numbers. This prompted General Motors to create Chevrolet trucks with better gas mileage. So the company’s engineers set to work and developed a lighter truck version that catapulted the Chevy truck brand right back to the top.

Modern Improvements

Throughout its history, the Chevrolet pick-up truck has experienced many changes. Modern models let driver’s lay back in leather seats and enjoy cold air conditioning and great music that thumps from the radio and CD player. However, these trucks are not about frills. Chevy trucks have been revamped under the hood too. Improved aerodynamics, enhanced V8 engines and environmental and safety features all play a role in making the Chevy truck what it is today.

The Chevy truck fans across the nation attest to this brand’s quality and how Chevrolet pick-up truck drivers are die-hard enthusiasts. The fact that 40-year-old Chevrolet truck models are showcased at car shows makes it plain to see these trucks are valued for their durability and commitment to performance.


Don’t take a wrong turn when buying car insurance

If you feel yourself chugging in circles when it comes to choosing car insurance, it’s high time you stepped swiftly (but safely!) on the brake and changed direction.  And whether your preferred mode of transport is a giant politically incorrect gas-guzzler or a tiny eco-friendly Noddy-mobile, at a good insurance company you’ll find a quote to surprise you – for all the right reasons.

“But is it safe to get a quote and buy car insurance online?” you might wonder… You’re absolutely right to ask the question, of course. But luckily, in the case of well-established online companies, it’s a rhetorical question.

Kwik-Fit has been a key player in the insurance sector since 1995 and their experienced team know the insurance business inside out, from general to home to car insurance.  Kwik-Fit Insurance is an insurance intermediary and, as such, its activities are authorised and regulated by the Financial Services Authority, which monitors insurance intermediaries carefully.

That’s just the sort of reassuring background knowledge which will give you complete peace of mind when you’re faced with one of the unfortunate motoring experiences that many drivers goes through at some point in an otherwise unblemished driving career.

The main benefit of using the services of car insurance comparison websites such as Kwik-Fit is that they will help ensure you’re not paying a penny more than you have to for your motor insurance. For example, it’s only right and proper that a rally driver who races regularly or a travelling salesman who spends half his life on the motorway and has six points on his licence should have to pay a higher premium than a careful, middle-aged lady driver who makes a tortoise look like Lewis Hamilton in a ‘shell’ suit.

Still on the topic of what’s fair and what’s not, rather than spending hours poring over websites and debating different options on your own, it makes perfect sense to use the services of a proven comparison company such as Kwik-Fit, who has the knowledge and the expertise to search the marketplace quickly and effectively to find you the best deal for your individual circumstances.

Once you’ve completed a car insurance quote form online, they’ll search the 25 plus insurance companies on their panel instantly, sifting out the best quote and saving you a lot of time and trouble in the process.

If you’ve managed to steer your way safely through several years of motoring, you may be in line for special offers and discounts. So not only will you save money by obtaining the best priced quote that’s available, you may also be rewarded in the form of further savings.

So what else do you need to know about buying car insurance? Well, one important decision you need to make is which level of cover you need.  You’ll generally have three choices: comprehensive cover; third party fire and theft (TPF&T); and third party only (TPO). As the name suggests, comprehensive covers you for all contingencies, so if you can afford it, it’s generally the best option.

Unless you happen to be a fortune teller with a 100% failsafe crystal ball, it’s impossible to know what lies around every corner when you’re out driving, and that’s why it’s so important to get car insurance right.