Smart Ways to Finance a Vehicle

When you want to buy a car and are trying to figure out how to pay for it your options can seem confusing. Financing a car is something that most of us will do in our lifetime, so let’s look at the two most popular options: obtaining financing from a private lender, and obtaining financing from the dealership.

Financing Through a Private Lender

When you are going to get a loan, be sure to get a copy of your credit score and credit report before you go so that you’re armed with that information ahead of time. This information helps lenders determine whether or not to approve you for a loan and what interest rate to offer you if you are approved. This is an important first step because your credit score can actually take a bit of a hit when you are comparing lenders if they are all making requests for your credit history. Once you have that information start contacting banks and credit unions to determine who has the best rates and terms for the loan.

Rates for used cars will be a bit higher than new cars, so be ready for that if you are trying to buy a used car. If you are buying a used car, these are some important things you should know before you go to get financing:

  • • Make and model
  • • VIN (Vehicle Identification Number)
  • • Age of the car
  • • Mileage on the car
  • • Sometimes lenders will have restrictions on whether or not they can even issue loans based on when the car was initially purchased, how many miles are on it, and what the standing is of the title.

Once you have found the best rate bring a pre-qualification letter, which states the terms and conditions of the loan, to the dealership so that you can prove that you have secured financing. This will also give you bargaining power if the car dealership offers you financing at a higher rate. Also be sure to bring that same credit report and credit score that you brought to the bank. This will provide you with as much leverage as possible to get a good rate from the dealership to compete with what you have already locked in with your bank.

Financing Through a Dealership

Interest rates from car dealerships tend to be higher than rates from private lenders so if you can get a lower rate from a bank or credit union that is usually the best route to take. The advantage of getting financing from the dealership is that they can work more with people who may have difficulty getting bank financing due to their credit. Dealerships have to offer financing on the vehicles that they sell and if you cannot get financing elsewhere, having financing at a higher rate is better than having no financing at all. Dealerships are also able to offer incentives that banks cannot offer. For instance, dealerships can offer things like a trade-in on your current vehicle and rate reductions or better terms if you supply a down payment.

Some Lessons to Remember:

  1. Not all credit scores will be the same. It may be worth checking using multiple credit score services to ensure that you are getting the credit score that is going to give you the best chance of securing financing and getting the best interest rate.
  2. Check multiple sources! If you just go with whatever financing is presented to you from the dealership you may be missing out on a better rate. Over the lifetime of the car this can add up to a large sum!
  3. If you get turned down for financing that can be difficult to hear, but it might actually be for the best. Getting rejected when applying for a loan means that the lender does not have certainty that you will be able to pay back that loan. So take that information and know that you will likely have to look for a less expensive car.

Signs & Symptoms of Gestational Diabetes

Carbohydrates are broken down during digestion into glucose. This substance moves into your blood and a hormone called insulin transfers the glucose to the body cells to give your body energy. People with diabetes either have a problem with insulin production or the cells aren’t able to use the insulin which causes glucose to buildup in the blood. According to the National Diabetes Information Clearinghouse, gestational diabetes affects anywhere from three to eight out of 100 women in the United States. This condition is a type of diabetes that occurs during pregnancy but typically resolves after the baby is born. Its symptoms are similar to those of diabetes mellitus.

Increased Appetite

An increased appetite can indicate gestational diabetes, but despite this symptom, a pregnant woman may also lose weight. The body responds to the high level of insulin in the blood by producing and releasing more insulin. One action of insulin is to stimulate the appetite, which means that a higher level of insulin leads to an increased hunger. If the cells aren’t able to use the insulin, the level of glucose in the blood will continue to build up, so the body breaks down the muscles and fat stores as a way to get the required energy to the cells. The pregnant woman may lose weight as these tissues shrink as well as feel constantly fatigued or lethargic, since this action causes the body to use more energy.

Excessive Thirst and Urination

A pregnant woman with gestational diabetes may have an increased thirst since the body craves liquids to help dilute the excess glucose in the blood. The body also moves liquids from the body tissues to help dilute the blood. For example, the body can pull fluid from the lenses of the eyes. This action can affect the way the eyes focus, which causes blurred vision. The increased fluid intake causes the pregnant women to pass large, excessive amounts of urine, which is different than the frequent passing of small amounts of urine that is typical of pregnancy. Diagnostic testing at the physician’s office can reveal high amounts of glucose in the urine.
Infections

Since diabetes interferes with the body’s ability to fight infections, the pregnant woman may experience frequent infections in areas such as the bladder, vagina and skin. White blood cells defend the body against bacteria, but these cells aren’t able to function normally when a person has a high blood sugar. A woman with gestational diabetes may also complain of a yeast infection in the vagina or on the skin. Yeast cells are normally present in the vaginal area in small amounts. The vaginal secretions and urine contain more glucose when a woman has gestational diabetes. The yeast cells use the glucose as food, which causes the cells to multiply. With the body’s immune system compromised by the high level of glucose in the blood, this increase in yeast cells turns into a yeast infection.

High Blood Sugar

Since a woman may not have any noticeable symptoms of gestational diabetes and symptoms can mimic regular pregnancy symptoms, screening for this condition is part of prenatal care for at-risk women between weeks 24 and 28 of pregnancy. Your physician will initially order a blood test called a glucose challenge test. If the glucose challenge test indicates a high blood sugar level, your physician may order a glucose tolerance test to confirm the diagnosis of gestational diabetes. Both tests involve drinking a sweet glucose solution and having your blood drawn after a prescribed amount of time.

Low-mileage discounts can help you maintain cheap car insurance

Insurers invented many different types of discounts you can take advantage of when shopping for cheap car insurance. Low mileage discounts are common among insurance companies, and easy to take advantage of assuming you don’t drive very much. They are also perfect for families with a second, lesser driven vehicle, or perhaps a work vehicle. There are different ways of getting such a discount:

Use The Pay-As-You-Go Plan

If you have a Pay-As-You-Go insurance plan, than your premium adjusts depending on the number of miles you drive. These plans have multiple benefits: they save you money, encourage users to drive less and drive more environmentally friendly, and this therefore lowers your transportation costs. GMAC is one example of an insurance company with this type of program. These types of programs have been popular in Europe for a while, but have only recently made their way to the United States. Therefore it might be hard to find such a program, but they do exist!

rEview MyRate Program by Progressive

Progressive Auto Insurance is a popular insurance company that provides a “MyRate program.” This program gives drivers who do not drive after midnight, have a good driving history, and drive less than 10,000 miles per year a discount of up to 25% on their premiums. Progressive provides a device that you hook up to your car so that they can monitor your driving habits.

Tracking Systems

Like Progressive, OnStar also has a tracking device. Some insurance companies take your word for it on how many miles you drive during your initial quote. However, if you need to submit a claim, you may need to prove how much you drive per year. Other companies will require you to sign up for a monitoring service, such as OnStar. These types of services determine your mileage and driving habits in real-time so that discounts can be applied. OnStar has many benefits outside of insurance discounts, and may be a good option for your family.

These are only some of the options available on the market today from some of the top insurance companies. Wjen you need cheap car insurance, the only way to know what discounts are available to you is to ask! Comparison-shopping is a great way of making sure you are getting the best deal. Using the Internet is the easiest way to look around and research the type of insurance coverage you require.

Tips on Finding The Right Toronto Moving Company Or Right Toronto Movers To Help You

It is important to find a professional Toronto moving company because the process of moving to a new home or office can be overwhelming. However, contracting a professional long distance moves company can make anyone anxious no matter where you live. You are entrusting your properties to other people after all.

Hopefully, the tips below will help you find Toronto movers that will make your transition to your new house a happy one.

1. If you check for moving companies online, in newspapers, or from radio and TV ads, be sure to get their office address. It is also better to find addresses that are nearer your old place so that you can check on them easily.

2. The distance of your old place, your new place and the location of the moving company’s garage is important because the company will have to consider travel time and gas expenses.

3. Once you visit the mover company’s office, you can check the quality of its facilities. You can find out if it’s moving trucks are in good condition and what kind of packing equipment it uses.

4. A good moving company will not charge you if you ask for estimates. If it is good, its representatives will visit your old place to have an idea of what kinds of furniture and appliances you need to move. This will help the company figure out what kinds of trucks and equipments to use.

5. Your visits to the movers at their office, and their visits to your home will give you a clue on what kinds of employees they have. A good moving company has employees who are respectful of you and your belongings.

6. Ask the long distance mover company about its insurance policies in case one of your belongings breaks or gets lots in the process.

7. Ask them also for discounts and special promos. Some mover companies have non-peak days like in the middle of the week or the month when their rates are lower.

8. Ask them about how they pack your things. What kinds of boxes do they use? How do they protect your things from breaking? How do they systematize and organize your belongings?

It is important to study a moving company’s services from when it gets your things from your old house to when they unpack your things to your new house.

You will know that you have a good moving company when it has good customer feedback, fair rates and professional crew of drivers and movers.

To know if a moving company’s rates are fair, visit and ask several companies about their rates and services and then compare for the best option. You can also ask your friends who have gotten the services of moving companies before, or check for Internet forums about people’s experiences with local moving companies.

In the end, your experience with moving company will confirm your decisions. Did they make your relocation easier? Or did they add more stress to it?

News Footage Archives Has The Clips You Need For Your Video

When you’re putting together video productions, you can draw from a huge range of footage to make your final product. In addition to shooting your own video, consider using clips from news footage archives. These are just as available as any other type of clip and cover all types of news topics which can make your video better in several ways.

1. Compile Worldwide Footage

Archives contain video clips shot around the world, and accessing the archives allows you to create videos that bring together footage on similar topics. Your productions will have a more global impact because they were shot around the world, and the best part is that you don’t have to pay to do all the traveling to get the footage.

2. Showcase Key Historical Events

When you don’t have footage from a particular event you want to include in your video production, the only way to get it is to purchase it through a video footage archive. It’s virtually impossible to accurately recreate a historical moment so you can shoot them yourself so being able to access footage from an archive like this means you will still be able to include that in your production. Using footage from the actual events gives your production more impact, especially if the viewer’s remember seeing the clips on the news when the event occurred.

3. Decrease Production Time

Getting clips from a video footage archive is as easy as clicking your mouse to access lots of great content for your project. This decreases the amount of time it takes to make a video production of a specific length. Alternately, it can give you more time to shoot the video you still need, increasing your ability to dedicate energy to that portion of the production and make it as good as possible.

4. Draw in with Pop Culture

People relate to pop culture, and the best way to bring it into your productions is to show the stars themselves. Regardless of whether you’re using interviews with celebrities or clips from TV shows and movies, anyone who sees your video will have visual cues that pull their attention more fully into your video, enabling them to get the point of your message or story. If you can get a clip of a celebrity stating your message, that’s even better for drawing viewers in.

Regardless of the type of video productions you’re creating, having a library of additional footage at your fingertips is always helpful. News footage archives have high-quality video that you can get the licensing rights to use in whatever productions you are creating, giving you instant credibility and more significant impact with your viewers.

How to Find Vehicle Dealers for the Perfect Mid-Year Sales Offers

Buying brand new, used or pre-owned Honda car ought not to be as bad as numerous shoppers make it. Of course, it can be fun. The perfect way to get a good Mid-Year Honda deal is to do your homework.

Every year, one of the perfect times to purchase a new or certified used vehicle is to go shopping on the mid- times of the year to locate the good deals vehicle dealers are putting out. But, if you have never bought a vehicle during the mid year, you might be a bit impatient as to how to maximize your possibilities of finding a car you will be happy with. The article will offer a lot of advices toward helping you locate vehicle dealer choices for the perfect mid-year times sales offers, no matter which type of vehicle you are interested in.

  • The first and foremost the most common way of finding Honda dealers to find the perfect mid-year time Honda Accord Sales offers is to just browse your magazines, newspapers, and public advertisements. It is where you are likely to locate the most deals and offers, and it will not take you some time to do so. Every day, newspapers are filled to the brim with ads for all kinds of things, including vehicles that are going on sale.
  • If you live in Cathedral City area that has numerous papers to browse through, take your time to pull a paper copy of all of them. Any Honda dealer worth their deals will have an advertisement in the papers, and once you locate a few that you like, and start searching for your Honda sales. When it comes to the dealing process, take the new paper copy in with you.
  • A second way to find Honda dealers for the best sales of the mid-year time is to turn on your TV. Around this time, the advertisements will be on every TV channel for every sorts of vehicle sale you could be interested in. At that time, when you driving in your vehicle, keep the FM Radio tuned to stations that play these kinds of advertisements.
  • A third way to locate which Honda dealers are offering the perfect Honda mid-year sales of their online new or used car inventory is to browse the internet. It is quickly becoming a good way among younger shopper for finding all type of information. You can take avail of the internet world no matter how old or young you are, simply hunt with your postcode or place and search for vehicle sales in that area.
  • A fourth approach is just to go for a drive around city. The success you will need to this approach will depend on how close you are to a metro area, as the large metro areas will have more vehicle dealers to take advantage that more shoppers are around.

PAT Testing Procedure

Portable Appliance Testing (or PAT Testing) is a legally required method of testing portable appliances. There are many stages that go towards the testing process. It will end with either a pass or fail result.

Portable Appliance Testing needs to look at certain safety elements. Amongst the things that can cause the failure is damage to cables, plugs and wires, overheating and signs of water damage. There should be no bare wires and no sign of internal damage.

The testing needs to be done according to the IEE (Institute of Electrical Engineers) guidelines. Before testing takes place anyone who is not part of the testing team should leave the premises.

The most basic part of the testing process is the visual inspection. Over 90% of problems are said to be found during this part of the process. It consists of the tester looking at the appliance and seeing if there are any obvious issues.

Here the tester will be able to see any poor wiring, cracked casing, bent pins and other damage. These are the most basic areas where appliances fail the PAT test.

The location that a particular appliance is used needs to be inspected. There must be sufficient ventilation (depending one the needs of the equipment), the area cannot be unreasonably damp, and controls to the equipment must be easily accessible.

An Earth Bond Test needs to be carried out during the testing process. Electrical Test Equipment is necessary for this part of the procedure. This is a test between the earth bond and continuity between the plug pin and external components. The voltage and test current is assessed during this process.

Other parts of the test are the insulation test and operational test.

The insulation test is necessary to ensure the insulation resistance is safe. The operational test simply consists of the tester switching the equipment on and testing out certain regular functions that it should perform, and making sure its performance is as expected.

Once testing has been completed the result of the PAT test should be clearly stated. The most common method of this is simply placing a label on the equipment. The label will say whether the appliance has passed or failed, and should also include more specific details of its condition. It will give the date of the test and the date at which another test will be necessary.

Equipment that is faulty or damaged should be removed from service immediately. It can then be determined whether or not the seriousness of the damage is sufficient for the equipment to be out of use.

PAT testing records are required to be kept for the duration of the life of the appliance. This is a legal necessity as it shows that tests have been carried out and the results of them.

Skyactiv 2 Technology in Mazda Vehicles

The idea behind Mazda Skyactiv 2 technology is to increase the vehicle’s output, while also improving its fuel efficiency and offering drivers the best of both worlds. While it might have seemed like a sales gimmick at first, Skyactiv technology has been a very serious investment by Mazda in creating quality vehicles that more drivers will want to get their hands on. In several way this investment has really paid off, making Mazda a more highly regarded manufacturer by customers and by the automotive industry as a whole.

Specific Skyactiv Technologies

Skyactiv technologies are located in several parts of Mazda vehicles. The main place that much of the attention is focused is on a Mazda’s engine, where it creates a highly compressed reaction in order to create more power with less required fuel input. The idea is simple, even if the technology is complex. The internal combustion engine is driven by explosions that force movement. If there is more pressure created, but less fuel is required, then there is more force to drive the engine even though there’s less fuel consumed. That is, in essence, the first step Mazda used to create a car that gives drivers more while taking in less.

In addition to an engine that offers driver’s a great deal more, these vehicles also have highly efficient transmissions combined with the proper frame and platform. In any vehicle the transmission is a primary source of wasted power, since shifting gears inefficiently can cause all kinds of problems. The Skyactiv 2 transmission is extremely efficient, making sure there’s as little waste as possible when it comes time to shift from one gear to the next. In addition to the transmission, these Mazda vehicles are built with a chassis that is lightweight, strong, and exceeds all safety regulations. When combined with the previous two parts of the Skyactiv 2 technology platform, the chassis results in extra efficiency, as there’s less power required to drive a car that weighs less and is aerodynamically designed.

Skyactiv 2 Vehicles Leap Ahead

All of this energy efficiency has been noticed by drivers. Once Skyactiv technology was introduced into Mazda vehicles their sales shot up to the highest levels since 2008. While some models do sell more quickly than others, such as the all new Mazda6 which was released in 2014, all models that use Skyactiv technology have made impressive numbers of sales in North America.

On the one hand, Mazda’s success means that it is still considered to be one of the major car companies in America. On the other hand, it’s entirely possible that Mazda will claim a higher spot than it has in the past due to the success and acceptance of its Skyactiv 2 technology and all of the advantages it brings to its customers. Their future is uncertain, but based on the current data Skyactiv 2 technology is definitely here to stay.

Geography Trips to Spectacular South Africa

Geography trips to South Africa take students to one of the most bio-diverse regions in the world, in a setting of stunning rock formations, such as Table Mountain and Blyde River Canyon. South Africa is home to some of the world’s most unique wild animals and stunning flora, which students will be able to witness in Kruger National Park and Kirstenbosch (one of eight National Botanical Gardens). Going on geography trips
to South Africa is both enriching and unforgettable for young learners.

Kirstenbosch

Kirstenbosch was founded in 1913 to preserve the unique flora of South Africa, and with a few minor exceptions, it only cultivates indigenous species. Its outdoor area is mainly dedicated to flora native to the Cape region, including a collection of the famous protea family. In a large conservatory it grows plants from other South African biomes, including savannah, fynbos and karoo. Kirstenbosch gives students on geography trips a valuable opportunity to study the remarkable diversity of South African flora up-close. The gardens are located on the eastern slopes of Table Mountain, with several walking trails leading from the gardens up the sides of the mountain.

Table Mountain

The iconic flat-topped Table Mountain overlooking the city of Cape Town is familiar to many people. Its smooth top is Ordovician quartzitic sandstone (commonly known as Table Mountain Sandstone), a form of rock that is highly resistant to erosion. Its shape encourages the formation of orographic clouds on its top that resemble a tablecloth. Bio-diversity on Table Mountain is remarkably high, with an estimated 2,200 flora species confined to the mountain. Many of these are threatened. The mountain is also notable for being the only terrestrial feature to give its name to a constellation: Mensa (‘The Table’) below Orion in the southern hemisphere. The unique landscape of Table Mountain is an excellent case study on geography trips to South Africa, as well as a stunning sight that will awe every student.

Blyde River Canyon

Another striking natural feature of South Africa is Blyde River Canyon. Carved into predominantly red sandstone, it is one of the largest canyons in the world, and may be the largest ‘green canyon’ due to the subtropical forest covering its slopes. It supports a diverse array of mammal, bird, fish and plant life. It makes another top destination for geography trips, demonstrating the breadth and beauty of biomes in South Africa.

Kruger National Park

One of the largest game reserves on the continent, Kruger National Park is an opportunity for students to see some of Africa’s most famous wildlife in a vast natural habitat. In addition to sighting the ‘Big Five’, students can see the different regions of plant life within the park: thorn trees and red bush-willow veld, knob-thorn and marula veld, red bush-willow and mopane veld, and shrub mopane veld.

How to Get Rid of a Chest Cold

Chest colds, which are also known as bronchitis, are viral infections that affect the lungs. Symptoms of a chest cold include mucus congestion, chest pain, wheezing and fatigue. Whereas anyone can develop a chest cold, this infection is common in people who smoke, children and those who live with heart and lung disease. If left untreated, chest colds can worsen. Thus, it’s imperative to treat the condition at the first sign of infection.

  1. Suppress a cough with over-the-counter medication. Coughing is common with chest colds because of the presence of mucus. Use OTC cold medications with an added cough suppressant to help remedy a cough and clear congestion in the chest. Use medication as directed.
  2. Take an anti-inflammatory medication to stop aches. Coughing can produce chest and back pains, and fevers are common with infections. Choose a cold medication with a pain reliever or take a separate anti-inflammatory such as ibuprofen to relieve pain.
  3. Drink up to help clear congestion. Mucus trapped in the chest triggers congestion, which can lead to coughing and wheezing. Drink extra fluids such as water, hot teas, soup and juices to break up mucus.
  4. Take off a few days to recuperate. Rest is imperative when battling a chest cold and other infections because it gives your body a chance to heal. Call in sick and take a couple of days off work or school to help your body fight the infection.
  5. Turn on the humidifier. Use a cool-mist humidifier (available from drugstores) to increase moisture in the air and help break up congestion in your chest.
  6. Apply vapor rub to your chest. Use over-the-counter vapor rub and apply a generous amount to your chest throughout the day to help clear your lungs and stop coughing from a chest cold. Use as directed.

Things You’ll Need

  • Medication
  • Fluids
  • Humidifier