What To Do When You Feel Stuck In A Life You Don't Love
When you read the title of this article, did you immediately think, "That is me?" Does your life feel like you have two legs submerged in a pit of quicksand and the more you push and pull and attempt to "get out," the more submerged you get and the more tired you feel?
You are not alone. In fact, the next thing I tell you may sound less than inspiring. But read on, as you will soon find, the most challenging truths are actually the greatest opportunities for amazing joy.
The truth is that humans are destined to feel stuck at various points in their lives. There is no way to avoid it and no way to ignore it. Feeling stuck is an absolute given condition of human beings.
So, you may be asking, "Why is being stuck a given?" It is because humans are always growing, always changing and always evolving. There is never a moment when your body, mind or spirit stops recreating itself. Humans are always desiring (wanting something) - even if it is simply a breath of air. When you achieve a goal you have strived toward for years, that goal ceases to be a goal the minute it is attained. And just like you don't get rid of bad thoughts or bad habits-you replace them with better thoughts or better behaviors - what you desire is constantly being replaced by what you desire next. This doesn't mean you are not momentarily happy with where you are. However, your mind seeks expansion. There is only so long that humans can stay satisfied with where they are before new desires pop into their heads. Desiring is what continually evolves the universe and the human spirit.
Another thing to be aware of is that you have multiple areas of your life that are happening simultaneously. I call these the Nine Environments of Holistic Living. In each of these environments you have different goals and different intentions. You may be focused heavily on one or two areas, and after achieving amazing things in those areas, "suddenly" become aware of another area that is lacking in some way. You are now focusing on that neglected area. Regardless of how satisfied you are in the other areas, the neglected area, you are now focused on, feels stagnate and stuck. For example, a person who achieves a long-worked-for goal in her career may then shift her focus to relationships and feel stuck in a bad relationship or stuck in not having a relationship. It doesn't take away from her career achievements, but the feeling is still there because the focus has shifted.
The feeling of being stuck is simply you telling yourself that there is more that you desire in a given area or areas. The frustration of being stuck, and what may create negative emotions around it, is often caused when you aren't sure how to make the changes you want to get unstuck. Thus, being stuck may create a panic inside of you that the situation will never change. The degree to which you feel the stuck-ness and how quickly you respond to this feeling often determines how being stuck affects you.
First, I think it useful to define what being stuck really means. Being stuck may not mean what you think it means, which can be what makes being stuck feel so hopeless and frustrating. Being stuck is not a destination. It is not a life sentence. It is also does not define who you are, just where you are at any given moment. Being stuck is simply a notification-a sign if you will-that it is time to start making something new and different happen in your life. When you are feeling stuck, it is simply another part of you tapping you on the proverbial shoulder saying, "Hey, I am no longer satisfied with where I am or what I have in a particular area and I need something else."
Just like if you have ever driven a car and you stop at a red light. When the light turns green, that is your sign to get moving. Being stuck is a simply a green light-a sign saying, it is time to get moving. The key is knowing how to get moving. This is where being stuck can feel like a horrible condition, a limiting circumstance and a trap. If you don't know that pushing on the gas pedal will get you moving in your car, you can't move. If your car is in the wrong gear, you can't move. And if you resist that the light is green, you cannot move. If you resist that you feel stuck (which means you don't welcome the emotion, but instead get caught up in the feelings of being trapped and hampered), you actually put your focus on the being stuck, instead of your focus on the sign to get moving. If you embrace that the sign is there, you then have the freedom to explore the options for how to get moving. When you have the freedom to explore, you can usually create change pretty quickly.
This may sound a bit confusing, so let me be as clear as possible given this is a critical piece for allowing yourself to get unstuck. By acknowledging that you are in a place you don't want to be, but not delving into the emotions of being there, you free up your energy to focus on where you do want to be. You free up your energy to focus on what you do want, not what you don't want. This is the foundation of the Law of Attraction, which says that which you focus your energy on is what you attract to you-wanted or unwanted. Learning to use being stuck as a positive sign that you are desiring more, opens you up to asking how to get it, instead of delving into the emotions of being where you don't want to be, and fearing you are always going to be there.
No matter what question you ask yourself, you will get an answer. If you ask yourself-Why am I stuck here? What did I do to deserve this? Why does this always happen to me? Am I going to be here forever?-you will get an answer. And, most likely, you will get an answer that won't assist you in pushing on your gas pedal or figuring out you are in the wrong gear. If you ask empowering questions, like-What do I want that I don't have? How can I get it? What have I been doing and what can I do differently?-you begin focusing on answers that will propel you forward.
Getting unstuck can be an easy and smooth process. The key is using the proper tools to assist you. Using tools-questions, exercises, programs, processes, other people, etc.-is the number one way for re-directing your focus. Tools are how humans create in the universe. Learning and using the tools of notes and instruments are what allow you to make music. Learning and using hammers, nails and engineering are what allow you to construct buildings. Learning and using the alphabet, grammar and paper or computers are what allow you to write novels and poetry. Getting unstuck, changing your life, manifesting your desires is done by learning and using the natural tools of creating-the Law of Attraction, the Nine Environments of Holistic Living, Neuro-Linguistic Programming, the Process of Deliberate Creation, the Prosperity Process, the Power of Intention, the Universal Laws, Law of Attraction Coaches, Messages from Abraham or Seth, etc.
No one has to stay stuck. No one has to live a life they don't love. It is simply recognizing the sign that it is time to make a change. Then, assessing what tools will assist in making that change, and beginning the process. Embrace the feeling of being stuck so you can get moving, seek out the tools you need and start today.
By: Melissa Quiter
Article Source: http://www.ArticleGeek.com
Wednesday, October 22, 2008
Electric RC Cars for Fun and Excitement
Electric RC cars and trucks are generally considered best for beginners,Electric RC cars use rechargeable battery packs to power their motor and steering, which are usually recharged from a 12-volt car battery...
Electric RC Cars for Fun and Excitement
Electric
RC cars and trucks are generally considered best for beginners, since even if you choose to build your own car, they tend to be simpler and easier than nitro cars. They're also a great deal quieter and run much cleaner, meaning you're less restricted by where you can run them. In terms of speed and power, they do have a great deal of pickup, though not as much as the nitro cars.
Electric RC cars use rechargeable battery packs to power their motor and steering, which are usually recharged from a 12-volt car battery or wall socket. Batteries run for about 5-10 minutes, depending on the type of engine your car has, and charging the battery usually takes 15-30 minutes. Because of this, it is strongly recommended you have at least two battery packs, to allow for quick replacement of the battery. This means your car can keep running while the other battery is recharging, giving the car more overall running time.
At first glance, getting started with an electric RC car can be much less expensive than a nitro vehicle. But there are other costs to consider as well, such as additional battery packs, a battery
charger and other accessories that will add to the cost, making it closer to the price of a nitro car in the long run. Of course, this cost also depends on what kind of car you end up purchasing and what kind of battery pack it requires, as well as how often you run the car and the quality of the batteries you get. Though the initial outlay of cash can be steep, but you'll want to get quality battery packs and a good charger to save replacing cheaper batteries.
The main reason electric RC's are said to be easier than nitro is in the amount of maintenance and tuning their engines require. Though the care, maintenance and cost of battery packs is steep, it is still less trouble for the new driver than the air filters, tuning, fueling and various other engine parts that require attention on a nitro car. Instead, careful conditioning and proper storage of your battery packs will keep your electric RC running smoothly for years. Always consult your manufacturer's instructions to make sure you're getting the right battery packs for your car, and that you're caring for them properly.
Easier and cleaner, electric RC cars and trucks offer the genuine racing experience to the beginner on an easy learning curve. Proper conditioning and maintenance of the car and its battery packs are still easier than the many parts and problems often associated with nitro RC's. If you're a beginner, or if you just want to get to the races, an electric RC can offer you the speed and fun you're after for less work.
Also keep in mind that if you think you'd prefer an electric RC, but still want the experience of building your own car, that you can also purchase electric kits. These include complete instructions to build your own car from scratch, and because their systems are less complex than the nitro cars, they are a little easier to build yourself.
Electric RC Car Motors
In order to prevent unnecessary wear and tear on your electric motor, it is important to always
break in your motor, before you drive it for the first time, and every time after you change its brushes. One easy method is to run the vehicle with the wheels off of the ground at about 1/4 power for about 5 minutes. This will slowly get the brushes fully seated to the commutator without causing wear and tear on the engine, and will allow your motor to run at its full potential.
Your electric car will come with instructions on how to change
the brushes on the motor, as well guidelines for how often. Remember, if you change the brushes on your motor, be sure to break it in again. How often you replace the brushes-and the motor, for that matter-depends on where and how much you're running or racing your car. Generally, a motor should be replaced after it has gone through five or more pairs of brushes, but it will always depend on the individual car, its motor and how well they're running.
Author Bio
Cal Golden is an avid RC car enthusiast and webmaster of the RC Car Station. Race on over and find out why rc cars are taking the hobby world by storm.RC Car Station
By: Cal Golden
Article Source: http://www.ArticleGeek.com
Electric RC Cars for Fun and Excitement
Electric
RC cars and trucks are generally considered best for beginners, since even if you choose to build your own car, they tend to be simpler and easier than nitro cars. They're also a great deal quieter and run much cleaner, meaning you're less restricted by where you can run them. In terms of speed and power, they do have a great deal of pickup, though not as much as the nitro cars.Electric RC cars use rechargeable battery packs to power their motor and steering, which are usually recharged from a 12-volt car battery or wall socket. Batteries run for about 5-10 minutes, depending on the type of engine your car has, and charging the battery usually takes 15-30 minutes. Because of this, it is strongly recommended you have at least two battery packs, to allow for quick replacement of the battery. This means your car can keep running while the other battery is recharging, giving the car more overall running time.
At first glance, getting started with an electric RC car can be much less expensive than a nitro vehicle. But there are other costs to consider as well, such as additional battery packs, a battery
charger and other accessories that will add to the cost, making it closer to the price of a nitro car in the long run. Of course, this cost also depends on what kind of car you end up purchasing and what kind of battery pack it requires, as well as how often you run the car and the quality of the batteries you get. Though the initial outlay of cash can be steep, but you'll want to get quality battery packs and a good charger to save replacing cheaper batteries.The main reason electric RC's are said to be easier than nitro is in the amount of maintenance and tuning their engines require. Though the care, maintenance and cost of battery packs is steep, it is still less trouble for the new driver than the air filters, tuning, fueling and various other engine parts that require attention on a nitro car. Instead, careful conditioning and proper storage of your battery packs will keep your electric RC running smoothly for years. Always consult your manufacturer's instructions to make sure you're getting the right battery packs for your car, and that you're caring for them properly.
Easier and cleaner, electric RC cars and trucks offer the genuine racing experience to the beginner on an easy learning curve. Proper conditioning and maintenance of the car and its battery packs are still easier than the many parts and problems often associated with nitro RC's. If you're a beginner, or if you just want to get to the races, an electric RC can offer you the speed and fun you're after for less work.Also keep in mind that if you think you'd prefer an electric RC, but still want the experience of building your own car, that you can also purchase electric kits. These include complete instructions to build your own car from scratch, and because their systems are less complex than the nitro cars, they are a little easier to build yourself.
Electric RC Car Motors
In order to prevent unnecessary wear and tear on your electric motor, it is important to always
break in your motor, before you drive it for the first time, and every time after you change its brushes. One easy method is to run the vehicle with the wheels off of the ground at about 1/4 power for about 5 minutes. This will slowly get the brushes fully seated to the commutator without causing wear and tear on the engine, and will allow your motor to run at its full potential.Your electric car will come with instructions on how to change
the brushes on the motor, as well guidelines for how often. Remember, if you change the brushes on your motor, be sure to break it in again. How often you replace the brushes-and the motor, for that matter-depends on where and how much you're running or racing your car. Generally, a motor should be replaced after it has gone through five or more pairs of brushes, but it will always depend on the individual car, its motor and how well they're running.Author Bio
Cal Golden is an avid RC car enthusiast and webmaster of the RC Car Station. Race on over and find out why rc cars are taking the hobby world by storm.RC Car Station
By: Cal Golden
Article Source: http://www.ArticleGeek.com
Buying a Ford Mustang
Buying a Ford Mustang,Looking at purchasing a new or used Ford Mustang,Identify the Vehicle,Test Drive,Decisions,Negotiate,Finalize,Enjoy....
Buying a Ford Mustang
Looking at purchasing a new or used Ford Mustang?
If you enjoy affordable looks and power, the Ford Mustang is definitely the car for you. Before buying a Ford Mustang, you must know that there are many models out there ranging in power to suit whatever needs you may have. When looking at buying your Ford Mustang, first
approach the seller and retrieve all the information necessary to identify the vehicle. After identifying the vehicle and you are still interested, take the Mustang for a test drive. After the test drive, leave without discussing a purchse, even if you love the car. Shop around; get a selection for yourself to chose from before purchasing your Mustang.
Before approaching any sellers about a Mustang, you need to know a little about the history of the Ford Mustang. Knowing the history of the car and the models and engine options available by year will prepare you for the first step of purchasing your Mustang. Also, the history of the Mustang may also make you a die-hard fan, and being a die-hard will make you notice every imperfection- a skill that comes in handy when purchasing a used late model car.
Your Needs
Perhaps you may just need a reliable daily driver and a Ford Mustang V6 could be your best
option. If you want a nicer car with a V8, more power, aggression, and control, a GT Mustang model may suit your needs. If you want a sunny day car with a lot of stock power, a Cobra Mustang may suit you best. So before you start looking at different cars, decide what your practical uses will be and that will immediately narrow your search down for your Ford Mustang.
Also, what is your price range? Check NADA and Kelley Blue Book to see what to expect price-wise for a particular year and model Ford Mustang. After finding out what is in your budget, shop away!
Identify the Vehicle
Identify and validate the model of the car. Is the car the same car that came with the engine,
transmission, interior, and exterior options as the car named on the VIN (Vehicle Identification Number)? To know this for sure, look into some VIN decoders or online services such as CarFax History Reports. Also, independent research of the car's history may be necessary because not all accidents are reported to authorities. The VIN number is a stamped plate bolted to the dash under the windshield of late model Mustangs. Also, look at and verify the engine code. The engine code is the 8th digit in the VIN, and the model year is coded in the 10th digit of the VIN. Also check and see if the vehicle is the stock color paint and notice any and all performed body work.
1) The VIN (Vehicle Identification Number) is a stamped plate bolted to the dash under the
windshield.
2) The EIN (Engine Identification Number) is also attached to the valve cover.
3) The Mustang should also have a certification label fixed at the drivers side door pillar.
4) The transmission identification tag is attached by the left side engine-to-bell housing bolt for manual transmission, and is attached to the right side on automatics.
5) The rear differential identification tag is bolted to the rear differential cover.
Test Drive
Now that you know if you are remotely interested in a Mustang out there, you should take it for a test drive and notice how she reacts to rpm changes, gear shifts, braking, turning, and extreme driving as well. Ask the owner for a repair and service data log sheet just before test-driving. If he has no log sheet for maintenance, you are already one hand up on the seller. Check the tire
pressure, oil level, and lighting of headlights, brake lights, and turn signals before starting the engine. Now start the car and listen for any abnormalities in the engine sound.
Now, check all of the seat belts. Don't be surprised if the passenger side seat belts are on backwards- that is a common TSB (Technical Service Bulletin) from Ford. Check the interior wear and be sure to be writing down all of the imperfections you notice in the car at all. Check all of the power options, including the CD player.
Now you are ready to hit the road. Buckle up and take the car for a test drive. At first, drive normally to get the vehicle into proper operating conditions. After a warm-up, get on the throttle and note how the car performs at WOT (Wide Open Throttle). Come to a compete stop and test the braking capabilities. Be sure to travel over a speed bump to test suspension components as well. After you perform your various tests to decide the mechanical structure of the Mustang, return it back to the seller and tell him you have a few more similar cars to go test drive but you will stay in touch.
Don't forget to log all of the imperfections and data on the car!
Decisions, Decisions
After you have test driven and experienced a handful of Ford Mustangs, compare the logs you
have made about the work needed and maintenance to be performed to see what car will suit your needs best. Recall the seller's advertised price and compare that to NADA for high mileage cars, or Kelley Blue Book for lower mileage cars. NADA rewards cars with lower miles by adding to the seller's price, but hinders high mileage cars by lowering the value for the specific year. Now that you know what Ford Mustang you want to negotiate on, you are ready to put your business skills to the test.
Negotiate
After narrowing your choices down into your budget, tastes, and preferences, return to the seller to negotiate. Always negotiate at Trade-In Value, and work up. Never pay more than book value for a car though, unless it is modified in a way that calls for such a price. But remember also; never pay more than half of what the seller paid for his modifications when purchasing a used car.
Finalize
Never pay cash. At least write a check and be sure to get some immediate and written receipt of
payment for the vehicle to ensure your financial safety. Now, expect less than a week for the title to reach you for an in-state purchase, and expect no more than 2 weeks for a title on an out-of-state purchase. After receiving the title, go to the DMV (Department of Motor Vehicles) to get a tag for the new title transfer. Be prepares to pay taxes that range in price based on area and car type to receive the title and tag. These fees are mandatory and fair to help pay for road maintenance, etc.
Enjoy
Now that you own your very own Ford Mustang, enjoy the car, modify if you wish, have fun with the new doors the Ford Mustang will open, and remember, we will see you on the road!
Author Bio
This article was written by Chris Alexander of Modded Mustangs. If you have any further questions about Mustangs you can ask in their (www.moddedmustangs.com/forums/) Mustang Forums. As always, be safe and courtious to those you share the road with.
By: Chris Alexander
Article Source: http://www.ArticleGeek.com
Buying a Ford Mustang
Looking at purchasing a new or used Ford Mustang?
If you enjoy affordable looks and power, the Ford Mustang is definitely the car for you. Before buying a Ford Mustang, you must know that there are many models out there ranging in power to suit whatever needs you may have. When looking at buying your Ford Mustang, first
approach the seller and retrieve all the information necessary to identify the vehicle. After identifying the vehicle and you are still interested, take the Mustang for a test drive. After the test drive, leave without discussing a purchse, even if you love the car. Shop around; get a selection for yourself to chose from before purchasing your Mustang.Before approaching any sellers about a Mustang, you need to know a little about the history of the Ford Mustang. Knowing the history of the car and the models and engine options available by year will prepare you for the first step of purchasing your Mustang. Also, the history of the Mustang may also make you a die-hard fan, and being a die-hard will make you notice every imperfection- a skill that comes in handy when purchasing a used late model car.
Your Needs
Perhaps you may just need a reliable daily driver and a Ford Mustang V6 could be your best
option. If you want a nicer car with a V8, more power, aggression, and control, a GT Mustang model may suit your needs. If you want a sunny day car with a lot of stock power, a Cobra Mustang may suit you best. So before you start looking at different cars, decide what your practical uses will be and that will immediately narrow your search down for your Ford Mustang.Also, what is your price range? Check NADA and Kelley Blue Book to see what to expect price-wise for a particular year and model Ford Mustang. After finding out what is in your budget, shop away!
Identify the Vehicle
Identify and validate the model of the car. Is the car the same car that came with the engine,
transmission, interior, and exterior options as the car named on the VIN (Vehicle Identification Number)? To know this for sure, look into some VIN decoders or online services such as CarFax History Reports. Also, independent research of the car's history may be necessary because not all accidents are reported to authorities. The VIN number is a stamped plate bolted to the dash under the windshield of late model Mustangs. Also, look at and verify the engine code. The engine code is the 8th digit in the VIN, and the model year is coded in the 10th digit of the VIN. Also check and see if the vehicle is the stock color paint and notice any and all performed body work.1) The VIN (Vehicle Identification Number) is a stamped plate bolted to the dash under the
windshield.2) The EIN (Engine Identification Number) is also attached to the valve cover.
3) The Mustang should also have a certification label fixed at the drivers side door pillar.
4) The transmission identification tag is attached by the left side engine-to-bell housing bolt for manual transmission, and is attached to the right side on automatics.
5) The rear differential identification tag is bolted to the rear differential cover.
Test Drive
Now that you know if you are remotely interested in a Mustang out there, you should take it for a test drive and notice how she reacts to rpm changes, gear shifts, braking, turning, and extreme driving as well. Ask the owner for a repair and service data log sheet just before test-driving. If he has no log sheet for maintenance, you are already one hand up on the seller. Check the tire
pressure, oil level, and lighting of headlights, brake lights, and turn signals before starting the engine. Now start the car and listen for any abnormalities in the engine sound.Now, check all of the seat belts. Don't be surprised if the passenger side seat belts are on backwards- that is a common TSB (Technical Service Bulletin) from Ford. Check the interior wear and be sure to be writing down all of the imperfections you notice in the car at all. Check all of the power options, including the CD player.
Now you are ready to hit the road. Buckle up and take the car for a test drive. At first, drive normally to get the vehicle into proper operating conditions. After a warm-up, get on the throttle and note how the car performs at WOT (Wide Open Throttle). Come to a compete stop and test the braking capabilities. Be sure to travel over a speed bump to test suspension components as well. After you perform your various tests to decide the mechanical structure of the Mustang, return it back to the seller and tell him you have a few more similar cars to go test drive but you will stay in touch.
Don't forget to log all of the imperfections and data on the car!
Decisions, Decisions
After you have test driven and experienced a handful of Ford Mustangs, compare the logs you
have made about the work needed and maintenance to be performed to see what car will suit your needs best. Recall the seller's advertised price and compare that to NADA for high mileage cars, or Kelley Blue Book for lower mileage cars. NADA rewards cars with lower miles by adding to the seller's price, but hinders high mileage cars by lowering the value for the specific year. Now that you know what Ford Mustang you want to negotiate on, you are ready to put your business skills to the test.Negotiate
After narrowing your choices down into your budget, tastes, and preferences, return to the seller to negotiate. Always negotiate at Trade-In Value, and work up. Never pay more than book value for a car though, unless it is modified in a way that calls for such a price. But remember also; never pay more than half of what the seller paid for his modifications when purchasing a used car.Finalize
Never pay cash. At least write a check and be sure to get some immediate and written receipt of
payment for the vehicle to ensure your financial safety. Now, expect less than a week for the title to reach you for an in-state purchase, and expect no more than 2 weeks for a title on an out-of-state purchase. After receiving the title, go to the DMV (Department of Motor Vehicles) to get a tag for the new title transfer. Be prepares to pay taxes that range in price based on area and car type to receive the title and tag. These fees are mandatory and fair to help pay for road maintenance, etc.Enjoy
Now that you own your very own Ford Mustang, enjoy the car, modify if you wish, have fun with the new doors the Ford Mustang will open, and remember, we will see you on the road!Author Bio
This article was written by Chris Alexander of Modded Mustangs. If you have any further questions about Mustangs you can ask in their (www.moddedmustangs.com/forums/) Mustang Forums. As always, be safe and courtious to those you share the road with.
By: Chris Alexander
Article Source: http://www.ArticleGeek.com
Car Insurance - How can you lower your premiums?
Car Insurance,Consolidating policies,Location,Excess,Your Vehicle,Mileage,Parking,Security,No Claims Discount,Advanced driving skills***Two key variables NOT within the policyholder's control- Sex,Age...
Car Insurance - How can you lower your premiums?
Many factors influence the premium for your Motor insurance policy. Your insurer will have
asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.
Consolidating policies
By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a 'bulk buy' discount.
Location
A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
Excess
By agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.
Your Vehicle
The cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance - you may be able to buy the car but can you afford to run it?
Mileage
You can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you'll then become uninsured!
Parking
Where you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.
Security
Security devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.
No Claims Discount
Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
Advanced driving skills
By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums.
Two key variables NOT within the policyholder's control.
Your Sex
Women are statistically less likely to have an accident and, if they do, it's less likely to be serious.
Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.
Your Age
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
One final piece of advice.
A large percentage of car insurance is now sold on the Internet. That's because it's convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.
Author Bio
Michael Challiner has 15 years experience in financial services marketing at senior level. Michael now works as the editor of www.life-assurance-bureau.co.uk/car-insurance/
By: Michael Challiner
Article Source: http://www.ArticleGeek.com
Car Insurance - How can you lower your premiums?
Many factors influence the premium for your Motor insurance policy. Your insurer will have
asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.Consolidating policies
By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a 'bulk buy' discount.
Location
A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
Excess
By agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.
Your Vehicle
The cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance - you may be able to buy the car but can you afford to run it?
Mileage
You can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you'll then become uninsured!
Parking
Where you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.
Security
Security devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.
No Claims Discount
Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
Advanced driving skills
By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums.
Two key variables NOT within the policyholder's control.
Your Sex
Women are statistically less likely to have an accident and, if they do, it's less likely to be serious.
Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.Your Age
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
One final piece of advice.
A large percentage of car insurance is now sold on the Internet. That's because it's convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.
Author Bio
Michael Challiner has 15 years experience in financial services marketing at senior level. Michael now works as the editor of www.life-assurance-bureau.co.uk/car-insurance/
By: Michael Challiner
Article Source: http://www.ArticleGeek.com
Donating Your Car To Charity
Car Donations: "Significant Use" & "Material Improvements"..If the charity significantly uses or materially improves the vehicle, they must certify that in the form of an acknowledgement to the donor ***
Donating Your Car To Charity
Donating a car to charity is not that difficult. However, you need to be aware of the new tax regulations before you donate your car to a non-profit organization. The IRS provides some general rules of thumb on car donations:
Starting in 2005, if the claimed value of your donated car exceeds $500 and the item is sold by the charitable organization, your tax deduction is limited to the amount of money the charitable organization actually receives from selling the vehicle.
The charitable organization must provide you (the donor) with a written acknowledgement within thirty days of the sale, specifically stating the net amount they received for selling your donated car.
As an example, let's say you make a car donation to a non-profit charity, and the fair market value of that car is $5,000. The charity then sells the car without "significant use" or "material improvement", for a total sale price of $2,500. Your deduction is limited to $2,500, not the $5,000 fair market value.
This is substantially different than earlier years when you could deduct the entire estimated fair market value instead of the amount that the car donation actually raised for the charity.
Another caveat is that many non-profit organizations use a third-party administrative service to handle the pick-up and auction sale or your car donation. The resulting administrative fees are often 20% or
more of what the car sells for at auction.
Your tax deduction is correspondingly lowered by the amount of third-party fees because the net amount the charity receives has been reduced. In the example above, your car donation deduction would be reduced from $2,500 to $2,000.
There are a few exceptions to these car donation tax deduction rules of thumb that are recognized by the IRS.
Car Donations: "Significant Use" & "Material Improvements"
If the charity significantly uses or materially improves the vehicle, they must certify that in the form of an acknowledgement to the donor (within 30 days of the contribution). In the case of significant use or material improvement, the donor may usually deduct the vehicle's market value ($4,000 in the example above).
To be considered "significant use", an organization must use the vehicle to substantially further its regularly conducted activities. The recipient organization's use of the vehicle:
1 - Must not be insignificant
2 - Must not be intended at the time of the donation
Significance also depends on the frequency and duration of use by the non-profit organization.
"Material improvement" includes major repairs or other improvements that significantly increase the vehicle's value. Cleaning the vehicle, minor repairs, and routine maintenance are not material improvements.
Make sure you don't get misled by a car donation sales pitch saying you can claim higher tax deductions than the IRS allows.
For more information, see IRS Publication 561, Determining the Value of Donated Property ( PDF 101K) at www.irs.gov
Author Bio
Greg Reynolds writes about fundraisers and fundraising events for schools, churches, and nonprofit organizations. Signup for the free monthly newsletter at www.fundraiserhelp.com and get free samples from top suppliers.
By: Greg Reynolds
Article Source: http://www.ArticleGeek.com
Donating Your Car To Charity
Donating a car to charity is not that difficult. However, you need to be aware of the new tax regulations before you donate your car to a non-profit organization. The IRS provides some general rules of thumb on car donations:
Starting in 2005, if the claimed value of your donated car exceeds $500 and the item is sold by the charitable organization, your tax deduction is limited to the amount of money the charitable organization actually receives from selling the vehicle.
The charitable organization must provide you (the donor) with a written acknowledgement within thirty days of the sale, specifically stating the net amount they received for selling your donated car.
As an example, let's say you make a car donation to a non-profit charity, and the fair market value of that car is $5,000. The charity then sells the car without "significant use" or "material improvement", for a total sale price of $2,500. Your deduction is limited to $2,500, not the $5,000 fair market value.
This is substantially different than earlier years when you could deduct the entire estimated fair market value instead of the amount that the car donation actually raised for the charity.
Another caveat is that many non-profit organizations use a third-party administrative service to handle the pick-up and auction sale or your car donation. The resulting administrative fees are often 20% or
more of what the car sells for at auction.Your tax deduction is correspondingly lowered by the amount of third-party fees because the net amount the charity receives has been reduced. In the example above, your car donation deduction would be reduced from $2,500 to $2,000.
There are a few exceptions to these car donation tax deduction rules of thumb that are recognized by the IRS.
Car Donations: "Significant Use" & "Material Improvements"
If the charity significantly uses or materially improves the vehicle, they must certify that in the form of an acknowledgement to the donor (within 30 days of the contribution). In the case of significant use or material improvement, the donor may usually deduct the vehicle's market value ($4,000 in the example above).
To be considered "significant use", an organization must use the vehicle to substantially further its regularly conducted activities. The recipient organization's use of the vehicle:
1 - Must not be insignificant
2 - Must not be intended at the time of the donation
Significance also depends on the frequency and duration of use by the non-profit organization.
"Material improvement" includes major repairs or other improvements that significantly increase the vehicle's value. Cleaning the vehicle, minor repairs, and routine maintenance are not material improvements.
Make sure you don't get misled by a car donation sales pitch saying you can claim higher tax deductions than the IRS allows.
For more information, see IRS Publication 561, Determining the Value of Donated Property ( PDF 101K) at www.irs.gov
Author Bio
Greg Reynolds writes about fundraisers and fundraising events for schools, churches, and nonprofit organizations. Signup for the free monthly newsletter at www.fundraiserhelp.com and get free samples from top suppliers.
By: Greg Reynolds
Article Source: http://www.ArticleGeek.com
Buying A New Car
Buying A New Car,to get your life back on track and moving according to schedule again., pay to have a vehicle repaired.,cover a driver over 25 who has had not tickets in the last three years,
Buying A New Car
Save On That Vehicle
It usually happens at the most inopportune time - the car breaks down or dies altogether at a critical moment. You are in a panic to buy something, anything, to get your life back on track and
moving according to schedule again. But don't let yourself feel pressured to purchase the first decent deal you come across. If necessary, get a rental car for a few days so you can think clearly without being clouded by the inconvenience of being without a vehicle.
Sometimes it makes sense to go ahead and pay to have a vehicle repaired. If the car is paid for and there is no damage to the frame, it may even be wise to go as far as having the engine replaced or rebuilt. This avoid that high payment for a new car, along with the greater insurance coverage demanded by the institution loaning you the money for the car. Only liability is required on a car that has been paid off.
If you are certain only a new or a newer used car will do, get online or go to the library to get a
copy of Edmond's online or book guide to determine the dealership's invoice pricing and market value of any car you might consider buying. Then research car insurance. It is easier to rate and cover a driver over 25 who has had not tickets in the last three years, has a stable work history, and a good credit report.
To get the best possible financing, get pre-approved for a car loan. When you go car shopping with financing already in place you are in a much stronger negotiating position. This also means you had the chance to look for the best terms among loans.
Armed with information on vehicle values, knowledge of insurance charges on the types of vehicles you prefer, and pre-approval on a car loan it is time to go shopping. But you don't have to leave home to do that.
Many dealerships have an internet sales representative that will answer your inquiry quickly via email. Even if they are not set up with a dedicated internet rep they no doubt have a fax machine. Call and get that fax number then send over your written specifications and ask them what their best price would be. When the dealerships reply with their offer contact the two next lowest bids and tell them you have an offer lower than theirs and see if they will make you a better deal. With a written quote you have solid information with which to bargain. Get the best deal possible.
Author Bio
Allied Debt Consolidation
Jalapeno Jones
www.outtadebt.com
By: Jalapeno Jones
Article Source: http://www.ArticleGeek.com
Buying A New Car
Save On That Vehicle
It usually happens at the most inopportune time - the car breaks down or dies altogether at a critical moment. You are in a panic to buy something, anything, to get your life back on track and
moving according to schedule again. But don't let yourself feel pressured to purchase the first decent deal you come across. If necessary, get a rental car for a few days so you can think clearly without being clouded by the inconvenience of being without a vehicle.Sometimes it makes sense to go ahead and pay to have a vehicle repaired. If the car is paid for and there is no damage to the frame, it may even be wise to go as far as having the engine replaced or rebuilt. This avoid that high payment for a new car, along with the greater insurance coverage demanded by the institution loaning you the money for the car. Only liability is required on a car that has been paid off.
If you are certain only a new or a newer used car will do, get online or go to the library to get a
copy of Edmond's online or book guide to determine the dealership's invoice pricing and market value of any car you might consider buying. Then research car insurance. It is easier to rate and cover a driver over 25 who has had not tickets in the last three years, has a stable work history, and a good credit report.To get the best possible financing, get pre-approved for a car loan. When you go car shopping with financing already in place you are in a much stronger negotiating position. This also means you had the chance to look for the best terms among loans.
Armed with information on vehicle values, knowledge of insurance charges on the types of vehicles you prefer, and pre-approval on a car loan it is time to go shopping. But you don't have to leave home to do that.
Many dealerships have an internet sales representative that will answer your inquiry quickly via email. Even if they are not set up with a dedicated internet rep they no doubt have a fax machine. Call and get that fax number then send over your written specifications and ask them what their best price would be. When the dealerships reply with their offer contact the two next lowest bids and tell them you have an offer lower than theirs and see if they will make you a better deal. With a written quote you have solid information with which to bargain. Get the best deal possible.
Author Bio
Allied Debt Consolidation
Jalapeno Jones
www.outtadebt.com
By: Jalapeno Jones
Article Source: http://www.ArticleGeek.com
Building the Best Car Stereo System
build the very best in car sound systems,his is the main control unit of the entire system and comes in the form of a tuner, compact disc player....Extras would include MP3 hook up adapters, bass boosters, compact disc changers, and lights.,
Building the Best Car Stereo System
Today car sound systems are big business. People, especially the younger generation, want to build the very
best in car sound systems and they usually do not care what they cost. This can become an expensive undertaking but for those who value music it is worth every penny.
Your first order of business is to decide on a proper car stereo head unit. This is the main control unit of the entire system and comes in the form of a tuner, compact disc player or cassette player or a combination of two. These days most people go with a compact disc player head unit as they are the most readily available and most people buy compact discs for their musical selection instead of cassette tapes that are somewhat hard to come by these days.
The head unit should be wired in where the existing stereo unit rests. The two may be different sizes so you will most likely need to buy a universal mounting kit. They are available from most large retailers and run under $25. Also, you should pick up a universal wiring harness to make the installation go more smoothly. If you have no knowledge of car wiring systems it is easy to short out the car or the stereo system if you do not know what you are doing. Universal wiring harnesses come with detailed instructions on matching up the wires by automotive type.
Next you will need to determine speakers for your sound system. This can be a tough decision
depending on what your basic needs are. There are several speaker systems to choose from and you will need to pay close attention to the head unit you have purchased as it will tell you how many speakers it can handle on its own. Be sure to check the power rating and size of the speakers. You have so much room to work with in your car without taking away from passenger space. However, some prefer to use the trunk space to mount speakers and other accessories.
Along with speakers there is the amplifier. The amplifier is a device that will boost overall power and provide better quality high volume sound to your system. Amplifiers are available in a wide variety of sizes and prices depending on the power you wish to have for your car sound system.
Extras would include MP3 hook up adapters, bass boosters, compact disc changers, and lights. All of these are available from large retailers nationwide. You could spend a little or a lot depending on the brand and quality that you desire.
Keep in mind that the more complicated a car sound system the harder it is to install. Some companies that sell complete systems offer free installation with a purchase. This is a wise choice for someone who knows little about car stereo installation. Not only will all the equipment be installed properly to guard against malfunction but it will also look nice. Part of installing a system is running wires and capping lines that can be difficult for someone unsure of what they are doing.
Author Bio
Want to know more about car sound systems? Visit www.car-sound-systems.com to read more about car sound systems and all the parts that belong to it.
By: Sebastian Schneider
Article Source: http://www.ArticleGeek.com
Building the Best Car Stereo System
Today car sound systems are big business. People, especially the younger generation, want to build the very
best in car sound systems and they usually do not care what they cost. This can become an expensive undertaking but for those who value music it is worth every penny.Your first order of business is to decide on a proper car stereo head unit. This is the main control unit of the entire system and comes in the form of a tuner, compact disc player or cassette player or a combination of two. These days most people go with a compact disc player head unit as they are the most readily available and most people buy compact discs for their musical selection instead of cassette tapes that are somewhat hard to come by these days.
The head unit should be wired in where the existing stereo unit rests. The two may be different sizes so you will most likely need to buy a universal mounting kit. They are available from most large retailers and run under $25. Also, you should pick up a universal wiring harness to make the installation go more smoothly. If you have no knowledge of car wiring systems it is easy to short out the car or the stereo system if you do not know what you are doing. Universal wiring harnesses come with detailed instructions on matching up the wires by automotive type.
Next you will need to determine speakers for your sound system. This can be a tough decision
depending on what your basic needs are. There are several speaker systems to choose from and you will need to pay close attention to the head unit you have purchased as it will tell you how many speakers it can handle on its own. Be sure to check the power rating and size of the speakers. You have so much room to work with in your car without taking away from passenger space. However, some prefer to use the trunk space to mount speakers and other accessories.Along with speakers there is the amplifier. The amplifier is a device that will boost overall power and provide better quality high volume sound to your system. Amplifiers are available in a wide variety of sizes and prices depending on the power you wish to have for your car sound system.
Extras would include MP3 hook up adapters, bass boosters, compact disc changers, and lights. All of these are available from large retailers nationwide. You could spend a little or a lot depending on the brand and quality that you desire.
Keep in mind that the more complicated a car sound system the harder it is to install. Some companies that sell complete systems offer free installation with a purchase. This is a wise choice for someone who knows little about car stereo installation. Not only will all the equipment be installed properly to guard against malfunction but it will also look nice. Part of installing a system is running wires and capping lines that can be difficult for someone unsure of what they are doing.
Author Bio
Want to know more about car sound systems? Visit www.car-sound-systems.com to read more about car sound systems and all the parts that belong to it.
By: Sebastian Schneider
Article Source: http://www.ArticleGeek.com
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