I had a friend call me recently because he brought his 2007 Nissan in for a 90k auto service (90,000 mile service). Most of these services are the biggest scams I have ever been apart of (yeah sorry). As a flat rate mechanic I absolutely loved them (back in the day). My friend paid through the nose for crap, he knew it after wards, and at least declined the BS up-sells.
Thirty thousand mile services are a glorified oil change with a tire rotation. I used to get paid 3 or 4 hours to do a 30k service (Done in 1 hr tops). Oh, you sure inspect a lot of stuff, stuff that does not need inspecting. The original 30k’s, before we had 100,000 mile fluids and spark plugs, you actually had to do some work.
Here’s the deal! You go in for an oil change every 3000 miles, and a oil change and tire rotation every 6000 miles or so. If you need repair work, like brakes or front end work, they will notice. They crawl all over your car looking for an up-sell, you don’t have to pay them for these routine inspections, that’s all these services are, routine inspections. Most shops give you free 16 point inspections for free with an oil change.
I recommend getting your oil changed and tire rotations by “certified mechanics”, not jiffy this, or sooner that. whether in a dealership or private auto repair facility they have “guys”, they give this easy work to. Don’t let sub par mechanics work on your car. The labor rate does not change depending on who’s working on your car, so ask for a certified mechanic (your already paying for him).
Source by Ken Teas
Banks, credit card companies, finance companies, landlords, utility companies or any company considering setting up a line of credit for you looks at your credit score. As a general rule prime credit falls in the 750 – 800 range, sub-prime falls in the 550 – 749 range, and bad is below the 550 level.
Many people hire companies to raise their score but you can do the same thing for free. Type credit repair in the search box and see how many companies provide this service. You can do it yourself.
Here are the basic steps to get you started.
1. Get a copy of your credit report. You can do this for free one time per year by going to www.annualcreditreport.com
2. Check your report for errors. Many times there are errors.
3. Dispute any errors and all bad credit items with the credit bureaus.
There are 3 credit reporting agencies. Experien, Equifax and TransUnion. Start by googling Equifax. Look for the On Line Dispute link. Follow the steps on this site to dispute bad credit items on your report.The companies that have reported sentences, late payments, etc. must then prove to the credit bureau that they are accurate. Many times these companies can not produce the records. If they cant produce the records within 30 days the credit bureau must take it off your report. Keep a calender of who you sent the dispute to and when you made the dispute. Allow 30 days for a response. Be persistent and contact the credit bureau at the end of the 30 day period.
Many people have raised their scores using this approach.
Source by Mike Barrett
It is estimated that it cost about $ 500 a day to put a delivery or service vehicle on the road. If you are a business that depends on these resources you know how hard it is to manage them effectively. The advent of sophisticated and smaller GPS vehicle tracking devices now allows every fleet manager to efficiently manage their resources. Many companies have realized tremendous savings as a result of employing this technology.
Private citizens are also utilizing the new technology as well. If you own more than one vehicle, boat, motorcycle, travel trailer or motor home know exactly where they are important. In addition if you have young drivers within your house hold you will sleep easier knowing that you can at anytime find your child and your vehicle. In addition you can monitor their driving habits in order to keep them safe while on the road. The liability of owning a vehicle that is being driven by a teenager can be serious in this litigious society. The use of GPS vehicle tracking devices that feature real time uploads will go a long way in preventing any serious problems to your financial well being.
The laws concerning the use of GPS vehicle tracking devices vary from state to state. It is generally accepted that you are legally able to place a tracking device on any vehicle that you own as either and individual or a business. Placing a tracking device on a vehicle that is not under your legal ownership or control is generally considered to be illegal in most circumstances. Penalties for violating privacy laws in some circumstance can lead to serious fines and even incarceration. Many businesses and private individuals have ignored these laws because it is reliably difficult to detect GPS vehicle tracking devices. Business that seek trade secrets or information that will give them a competitive edge frequently conducts illegal tracking activities. The very small size of the new real time GPS tracking devices makes it very easy to place a device just about anywhere on a vehicle.
In the same venue individuals also are violating the law by placing tracking devices on the vehicles of ex-spouses, girl or boyfriends. In addition there are several cases where stalkers have also used the technology to keep track of their victims. Many people think it is impossible catch someone doing illegal surveillance tracking but they are mistaken. Technology that detects cell phone transmissions can easily detect the tracking device uploads to the GPS service company that provides the tracking information you are receiving. Again this is a violation of the law use GPS vehicle tracking devices to track another private citizen. It is just not worth the risk.
Source by Jim Kesel
There are many things to learn about group health insurance quotes. If you are in charge of the benefits for your company it is essential that you know what goes into the buying process, as well as how you can find a group deal that suits the entire company well. Remember, you are not buying just for yourself. You need to find a policy that is good for the majority, if not all, of your employees.
To get group health insurance quotes you have a few options. To start, you can hire a broker who will do all the work for you. This is a good idea because you can sit back and let everything happen while you wait to see what is out there. The issue with this is that you never know if your broker is actually getting the best of the best in terms of quotes.
Another thing you can do is begin your search for health insurance quotes online. This way you are in total control of the process from start to finish. There is nothing standing in your way. The only thing you have to do is be patient, request quotes from the right companies, and hope that everything else works out in your favor.
This basic information should give you a better idea of what you should be looking for in group health insurance quotes. You can get these through a broker or by using the internet. Either way, do whatever it takes to make a confident decision.
Source by Kris Enochs
When you think about the sheer number of strings in a piano – multiples per key, remember – and the tension to which they are stretched, you realize that there must be a colossal amount of force trying to break the piano in two. This explains the need for such heavy construction – a frame of cast iron is needed just to resist the tension of the strings. It also explains why a professional piano tuner can be an important person to call if you need piano tuning.
It is tempting to compare tuning a piano to car maintenance – you can do it yourself, but you may feel more comfortable putting the risk in the hands of an expert. However, the situation is even more important than that, as the process of tuning a piano is far more complex and takes far more patience than most ordinary vehicle servicing. Changing the oil or the spark plugs is nowhere near as involved as tuning two hundred or more high-tension wires.
Attempting to tune a piano yourself is certainly possible, but there is a range of knowledge and skills that only an experienced professional will have. One aspect of this is in understanding the current condition of the piano. Since you are reading this article, you may have a piano that has sat around without maintenance for quite some time, and the cost of professional piano tuning seems prohibitive. However, it is precisely this kind of piano that can be dangerous, as a neglected frame may have started to develop weak spots that increase the risk of the entire structure collapsing violently in on itself. You would not want to have your hand inside a piano when this happened. An expert piano tuner can recognize the danger signs much more readily than you will be able to.
Having said that, if a piano technician has confirmed that your instrument is in good shape, you can certainly begin learning about piano tuning yourself. If nothing else, it takes patience. It can be very easy to give up part of the way through tuning and ruin the whole process. There are also various skills that must be picked up along the way, such as the piano tuners’ method of setting the pins in such a way as to promote tuning longevity and prevent the piano from sounding sour for as long as possible. Piano tuning certainly takes effort, but it can also be a rewarding process, and maybe even therapeutic.
Source by Shawn Manaher