Silver Credit Cards

The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been around since the conception of credit cards in the mid-1950s. Today silver cards have been surpassed in prestige by gold credit cards and platinum credit cards and so have more commonly come to be known as 'standard' or 'basic' credit cards.

Advantages of silver credit cards

The advantages that silver credit cards have over other types of cards include:

* lower annual membership fees (if any)

* lower threshold salary which you need to earn if you want to apply

* the same credit limit as other credit cards if you have a good credit history or manage your card sensibly

* 0% interest for between 6 – 9 months when transferring your account balance from one credit provider to another

The simple fact is, if you are not that fussed over the 'image' you portray when you are out shopping with your credit card, and are more concerned with how you manage your credit card debit, then silver credit cards are certainly more favorable than any other credit cards on offer.

Disadvantages of silver credit cards

* lower cash withdrawal limits

* less rewards in rewards promotion packages, such as a lower percentage rate cash back return with cash back credit cards or lower airmiles with airmile credit cards

* less travel perks – for example, if you have a gold or platinum card you may be entitling to automatic upgrades when traveling, but as there are more more standard silver credit cardholders, it is illegally this benefit will be afforded to you as well

* less prestige, which may mean retailers are less willing to give you the same service as they may provide to gold and platinum cardholders.



Source by Joseph Kenny

5 Auto Repair Readiness Things You Must Do To Winterize Your Vehicle

Winter is coming, and just like you'll want to take steps to winterize your house against the cold weather, you should also prepare your vehicle against the onslaught of old man winter. Winterizing your auto is not difficult or too time-consuming. Most of the steps can be done on a do-it-yourself basis. The time and trouble spent following a simple winter prep routine will allow you to drive more comfortably and confidently when the cold weather hits. Here's a list of things to consider.

Engine Oil

Changing your engine oil and filter at the beginning of the cold season is a good idea. If you live in an area where the temperature drops below freezing, you might consider running thinner oil during winter. If you typically use 10W-30, switching to 5W-30 will provide better engine protection when driving in cold weather. If you're currently using conventional motor oil, consider the benefits of modern synthetic oils. These have been shown to give better anti-friction protection and allow for greater time or distance between oil changes.

Tires

Make sure you have the appropriate tires for winter driving is critical, especially for drivers likely to encounter snow and ice. Good all-season radials may provide adequate all year driving performance in areas where snow and ice are only a minor concern. Just make sure there's plenty of tread, with 2/16 "being the minimum.

In locales where snow- and ice-covered roads are typical, specialized snow or winter tires are recommended. This means having two separate sets of tires for your vehicle and switching them out at the beginning and end of the winter season. Keeping track of which tires were removed from which wheels will enable you to incorporate your regular tire rotation routine into the swapping over process.

Battery

Car batteries require more power to start an engine in cold weather and the preventive maintenance you perform now can save you from being stranded later. Batteries need to be topped off to the full level line and should have a charge of at least 12.4 volts. Make sure your battery cables are in good condition, with no cracks or cracks, and that the connectors are clean and fit tightly to the battery terminal posts.

Fluids

An automobile requires a variety of different fluids to perform properly and these should be checked to ensure that they are at the proper fill-level. These include power steering fluid, transmission oil and brake fluid. For proper winterizing, windshield washer fluid should be topped off with a solution that contains anti-freeze or some other additive that will prevent the fluid from freezing. This is also a good time to check the condition of your windshield wipers and to ensure that the nozzles that deliver the windshield spray are not plugged and are properly aimed for good coverage.

The radiator should be checked for leaks and filled with the proper mixture of water and anti-freeze, determined by the temperature in the area you'll typically be driving. A radiator flush is not a bad idea either, and will extend the life of this critical component.

Exterior Treatments

If your car's exterior has suffered any recent damage that has not been repaired, it's best taken care of before winter sets in. The harsh weather combined with salt used on roads will accelerate any rust or corrosion developing in the area of ​​a dent or ding. A good cleaning and polishing of your auto's exterior will provide wintertime protection from the elements, and should also be considered.

These five items are a good place to start your auto repair winterizing and should be done before the first frost. These preparations should give you peace of mind and should help to ensure trouble free winter driving.



Source by Ron Stockton

Implementing a Waterless Car Wash in Your Detailing Business

Starting a detailing business isn’t quite as simple as it used to be. Increased environmental regulations are forcing old methods of washing vehicles into decline. No longer can a detailer take out a pressure washer with soap and blast away at a car. In fact, many newcomers to the industry learn the hard way when local authorities impose hefty fines when caught cleaning a car without water reclamation mats.

Thankfully, the car care industry has made major improvements in its product offerings which is allowing detailers to stay in compliance. One major advancement is the introduction of Waterless Car Wash products. These formulas allow a detailer to safely clean and protect a vehicle without allowing a drop of water to reach the ground. For obvious reasons this is of great benefit to the environment. In the past detailers would simply let their wastewater flow directly into the environment. Brake dust, phosphates, oils and other contaminants quickly polluted local waterways and wreaked havoc on aquatic life. However, these products don’t just save the planet, but they also make a detailer’s life easier in other ways.

A Waterless Car Wash frees the detailer from having to haul around a large water tank. This in turn also improves gas mileage and allows them to maneuver around their local city much more freely. Previously, detailer’s would find a local source of distilled or deionized water and fill up every morning. Not only is this an inconvenience, but it actually costs money to buy this type of water.

In addition, many of today’s Waterless Car Wash products integrate synthetic or natural protective agents such as polymers or carnauba wax, which will give customer’s cars a slick and shiny finish from just the wash.

Implementing a Waterless Car Wash into a detailing business is a relatively straightforward process. First, you need to find the product that works best for you. Many leading manufacturers offer their products in a concentrated form which yields a greater cost savings over the RTU (ready-to-use) product. You’ll also want to have a large stock of microfiber towels as these are a necessity for properly using a waterless product.

Lastly, and perhaps most importantly is the fact that the term ‘waterless’ is foreign to many consumers and they need education on how the products actually work. For example, show them a demonstration in advance so that they properly understand that the products won’t harm the vehicle’s finish. Show them some past clients cars you have done or offer up testimonials. As time progresses, the waterless concept will surely become the norm. However, until then you’ll need to do a lot of handholding with the consumer to get their acceptance.



Source by Jim Dudra

How Online Bingo Is Played

To be able to play online bingo an individual will need to first signup on an online bingo gaming website. The site afterward provides the player a random card. Participants can enjoy up to 50 cards each time whenever they want. Program is automated to call numbers amongst one and seventy-five. Players will need to evaluate these numbers on their own cards. The goal of the game is actually to create a particular pattern of numbers. People who have fun with actively playing bingo can do it now right from the comfort of their homes. You can do this due to breakthrough of online bingo dabbled in on the internet. It's possible to play a variety of online bingo games at a number of gaming sites. The good thing with regards to online bingo is that it's simple, hassle-free and one can certainly earn huge prize money, not possible in an offline game.

Participating in online bingo provides you with a really realistic bingo hall experience. You hear the actual sounds of all bingo calls and significant messages. You can decide on 1 to 24 cards to try out each bingo game. The auto-daub function guarantees that you do not overlook your numbers and also the pre-purchase feature helps to ensure that you will not ever miss the beginning of a game.

A lot of players of bingo online will probably be seen jumping from one bingo online site to another. Usually there are always some features that the gamers of bingo online will be searching for. The perfect bingo online siteought to be the one that'll be capable of maintaining members for a longer period of time. It must possess some extremely important features that members would surely desire to identify with. To begin with, there bought to be large jackpots. There must also be an excellent customer care within the ideal bingo online site. Bingo players really know what they're in need of in a bingo online site. The features that the site has should certainly have the ability to ensure extreme fun and irresistible rewards and bonus deals. Online bingo enjoys a number of benefits over traditional bingo halls. It's possible to play anytime and from around the globe. This can be a blessing for die-hard bingo players who certainly are lacking time to go to a traditional gaming room. You can also leave play in a specific gaming room and experience another site, without the need of wasting time and losing money.

The overall game of bingo online is definitely an exciting one. It's a game that's currently turning extremely popular in practice every place in the world. It is for anyone who wants to have fun as well as a great time. If your place does not have avenues to experience bingo from, you have a choice of actively playing bingo in the comfort of your home, if you have a computer with internet connection. Picking a great site could have the first step towards receiving the most from the game. Go to your favorite Online Bingo site to have the greatest experience in the game of bingo. From the site, you can be sure to find the following advantages which will really make you feel wonderful.



Source by Meiji Mimarin

Information About Duplicate Car Keys

Depending on the brand and model of your car you might need to go to the dealer to have new copies of the keys made. Sometimes additional keys or transponders will over ride and mess up your cars security system which can at times void the warranty.

If you are looking for information on duplicate car keys there are lots of different places you can buy them. Many websites and companies exist that specialize in the selling of different kinds of keys. Many times they can also be made to be used in almost any vehicle.

Many of the newer vehicles and cars on the road today use transponder systems to unlock and lock the doors as well as other uses and features as well. Sometimes parts departments at the dealership can make more copies for you to use. Often lock smiths can come and unlock your car as well as make any additional copies that you may need.

Most often there are some things that need to be done to verify that the blank key will function correctly. The first thing is that the key has to be shaped and cut to the original key. Then the transponder must be programmed to correlate with the radio frequency of your car's system so it can unlock and then lock the doors and open the trunk.

You can reprogram keys yourself or you may want to have a professional do it for you. Both negative and positive aspects exist for both. If you program them yourself many times it takes lots of time to do it right but it can save you money as well. Going to a professional and having them do the work for you will not be as time consuming but it will also cost more.

Depending on the brand and model of your car you might need to go to the dealer to have new copies made. Sometimes additional keys or transponders will over ride and mess up your cars security system which can at times void the warranty. When you are leasing your car you may want to contact your dealer for details.

If the key has a computer chip in it then it has to be verified that it fits your vehicle. There are different brands of cars where you can create additional ones by using one that you have on you or one that came with the vehicle. The individual prices will vary depending on where you go and what kind of car you have.

If you are wanting to buy duplicate car keys then there are different stores and online retailers where you can buy them from. For additional information you can go online and visit your brands website for the specific ones that you may need. You also can visit your dealership for additional details.



Source by Stacey Kumar