Decisions, decisions: factors to weigh up when buying a car


Buying a car is a serious process and there are a lot of factors that need to be taken into consideration before parting with your hard-earned cash, on what may well be the second most expensive purchase that you will ever make – buying a house or property being the most expensive of course. It’s a big outlay of cash with lots of considerations and with so many options. Buying a house might be more expensive but there tend to be fewer options available. The options with cars are almost infinite, it feels as though there is a lot of pressure to get the choices right. Here are some answers to questions you may or may not have asked yourself.

Manual versus Automatic

This is a tough one to answer and the truth is there are no rights and wrongs. If you spend a lot of time driving in traffic or if you have no feel for mechanical things, then an automatic is for you. Alternatively, if you want to get the best performance out of your engine or you want to maximize fuel economy then manual is the way to go. There are suggestions that replacing the clutch is an expensive process, and granted, it is not cheap, but it doesn’t happen often. It is also a process that you could do yourself if you fancied a challenge. A quick Google search for a phrase that incorporates the car model and part type, try something like, ‘Subaru Forester clutch’ as a starting point and you should very quickly be moving in the right direction. So yes, there is a chance that you might need to switch out the clutch kit at some point but the chance of that happening is no higher than similar issues in an automatic.

Petrol versus Diesel

Petrol is more explosive and as such it allows for higher speeds. It is also easier to find petrol at filling stations, but diesel delivers better fuel economy and diesel engines tend to be both more robust and hardier. Traditionally petrol is the fuel of choice, but the reality is the question should no longer be petrol versus diesel, it should be fossil fuel versus electric. And although they are still quite expensive the truth is that the car of the future is hybrid or electric powered. So start thinking that way.

Does the colour matter?

Colour can make a difference but this is a question that is down to personal preference. Studies show that most cars are white or silver. This is largely because they reflect the light best and are therefore cooler. But that also means that they are harder to find in a parking lot. Metallic paint is the hardest to match if you need to do a spray job and red cars are reportedly the most frequently crashed – but that probably says more about the people who drive red cars than it does about the colour red!

New or second hand

With new cars you know where they have been and who has driven them before you. And the answer is nowhere and nobody. So you can be pretty sure that they will be in solid, auto factory fitted shape. But that also means that they are more expensive and in turn that they will lose their value more quickly. Second hand cars are cheaper and can result in a lot more bang for your buck, but there is always the risk of who drove them previously and how was the car looked after. It’s a toss-up between budget and bravery.


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The Best Parts for Restoring your Classic Chevy Truck


If you own a classic Chevy truck, there is a good chance that one of the things you look forward to is none other than working on it. After all, if you have invested in it, then your classic Chevy truck is your passion and also your pride and joy. You want your truck to run perfect and also look nice. In order to achieve your goals of restoring it and keeping it running, there are some parts that you will need. But, what are they? Some of the best parts that you can use for restoring your classic Chevy truck are:

  • Disc brake conversion kit

One of the classic Chevy truck parts that you can choose to upgrade is by converting to disc brakes. These are considered a great upgrade for a number of reasons. First and foremost, it is very easy to inspect them to see if the pads are worn out and need to be replaced. Secondly, you can inspect the brakes without having to remove the wheels. In addition, disc brakes require very little maintenance because they are self-adjusting and this is also a huge perk for the owner. You can also find a wide variety of pads for your classic Chevy truck. Thus, they are a great upgrade as they won’t depreciate your truck and will help you in stopping aster.

  • Hood hinges

There are some things that people take for granted until they don’t have them and hood hinges are also one of them. You can find spring loaded hood hinges, which can be helpful when you want to lift the hood. One of the perks of spring loaded hood hinges is that they allow you to work on the truck safely. You can lift up the hood and work on the engine without worrying about it falling on your head. These are one of the best classic Chevy truck parts because they are specially made for it.

  • Carpet kits

A nice carpet is one of the greatest things that you can add to your classic Chevy truck. It is always easy to tell when someone has done a hack job when it comes to carpet repair. It is essential for you to get the right texture and color. A couple of things that people will notice straight away about your truck is the smell, upholstery and the carpet. The carpet is one of the primary pieces of the inside of your classic Chevy truck or any other vehicle. You can find carpet kits in different colors and choose one that suits your style and preference.

  • Bench seat covers

These are another one of the classic Chevy truck parts you can get. They add a level of appeal to your trick because old seats become worn and start showing cracks and holes. You can find a used seat or you can also get a nifty seat cover for your vehicle. This will help your truck in looking the same way it did when you bought it.

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Caravans: the pros and cons of mobile homes


Caravans are either loved or they are hated? To some people they are the best possible holiday that could ever be taken while to others they are pokey boxes on wheels that belong firmly in the 19th century. Regardless of your views, caravans and mobile homes are here to stay. So if you are toying with the idea of getting one, or of trying a trip that involves a caravan, here are a few things that you should consider first – a few points to ponder and myths to dispel.

What happens when it doesn’t go according to plan

This is a big concern for a lot of people. The idea of towing a miniature home behind a car evokes all sorts of bad scenarios it the nervous travellers mind. Punctures or equipment failure. A bent chassis or a bad piece of road that is not navigable with a caravan in tow. These are all legitimate concerns and it probably goes without saying that you need to plan accordingly. Don’t go off-roading if you haven’t got the equipment. But also know that you wouldn’t be the first person to have a problem while towing and that as a result there are companies that specialise in caravan towing. Again, as part of your research and to create peace-of-mind, make sure you have details and numbers available before you set off.


One of the alternatives to a caravan is a holiday house. Both come with advantages and disadvantages. The best thing about caravans is that they allow you to travel to lots of different places – you are not tied down by having to go repeatedly to the same place every time you want some time away. The downside is that caravans are smaller than holiday houses and you cannot fit nearly as much inside. But that is the price that you pay for freedom.

Sample things first

In the same way that you probably wouldn’t just go out and buy a holiday house without first spending time at the destination, so you shouldn’t be sold by the romance and charm of a caravan and just buy one. Rather rent one or borrow a friend’s and spend a bit of time getting into the routine of a caravan holiday. Once you have decided that the it works for you then, and only then, invest in one for yourself.

Spare room

One thing that is awesome about caravans, is that they can effectively act as an extra room at your house. Granted, that is not their main purpose, but if you have a nice driveway and a lot of people coming to stay, then being able to host guests in the caravan is much the same as putting them up in a spare bedroom. It is the perfect solution for large families at times like Christmas or reunions – you may even find people queuing to get the caravan as their accommodation. It offers privacy and an escape for the main house and no matter what you might think about towing a mobile auto home, they are great to stay in once there.


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3 Keys to Purchasing the Right Vehicle


There will come a time in life if not already where you will need to be in another vehicle.

With that in mind, will you end up buying the right one?

Making the wrong choice can end up setting you back for years to come. Of most notice, it can impact your wallet.

That said how will you go about buying your next vehicle?

Put Some Research Time into Your Next Car or Truck

In considering buying a vehicle, remember these three keys:

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  1. Research – Start by researching the vehicle of interest. With the Internet, you can invest time and effort into learning about cars and trucks. For example, type in the make and model of the vehicle or vehicles you have interest in. You should come up with pages of information to read through. That information should help you decide if a certain make and model is worth your time. Also be sure to research which dealerships are in your immediate area. This will save you having to drive around looking for a vehicle. Compare the dealerships to see which have not only the best autos, but a good record of customer service.
  2. Needs – What are your needs going to be with a new or used vehicle that you buy? As an example, are you someone who drives a lot of miles each month? If so, you want something that does not have a lot of mileage on it. Getting an older car or truck to run into the ground may seem a good move. That said you could end up paying a lot of money on maintenance over time if you do such a thing. If buying the vehicle for your teenager to use, you want something sturdy. Given teens are lacking in on-road experience; you do not want them behind the wheel of an auto they can’t handle. Start them out with something rather simple to drive.
  3. Money – Last, given what you pay for a vehicle is of obvious importance to you, know ahead of time what you can afford. For instance, are you mired in debt right now? If so, taking on a sizable monthly car payment could make things quite difficult for you. Crunch some numbers ahead of time to see what you could afford on a monthly basis. Doing this lessens the chances you will run up more debt over time. Also look into what kind of deals are out there with payment plans from your bank and others. You may end up with a good payment plan that will allow you to avoid major financial headaches each month. Last, if trading in your current vehicle, try and get the most back for it. Although it has miles on it and may not be in the best of shape, do not take the lowest offer on a trade-in out there. All you end up doing is making things tougher for you.

When the time arrives to buy the right vehicle, do your best to drive off with the right selection.


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Is Now the Time to Have Your Teenager Driving?


Deciding on when the right time is to let your teen learn how to drive can prove challenging for some parents.

On the one hand, you want them to experience the joy and excitement of getting a license when they become of age. On the flip side, you likely worry about their safety as they get out there on the roads with many other drivers.

So, is now the time to have your teenager driving?

Will They Have Their Own Vehicle or a Family Car?

In the event you do decide now is the time for your teen to learn how to drive, you have some other decisions to make.

For instance, will they have their own car or will you allow them to use the family vehicle?

If you opt for the former, how will you know what kind of car to get them?

In most cases, parents in such a situation will buy their child a used vehicle. Not only does this tend to save money, but it also means they won’t go bonkers if the kid gets a few scratches on it or worse.

If you decide to look online and in-person for a used vehicle, will you think about a VIN search?

In the event you did not know, having the vehicle I.D. number (VIN) can be quite helpful when searching to buy a used vehicle.

With that number, consumers go online and look up different details about a vehicle.

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Among the things to research:

  • Accidents – Has the vehicle in question been in any major accidents over time? If it has, will the current owner be honest with you about what happened and what repairs they did? Unfortunately, some owners will not always be upfront. As a result, some consumers can get shafted when buying a used car or truck.
  • Recalls – You would not want to buy a used vehicle for your teen if you knew it was under a notable recall, correct? With that in mind, it is important to use that VIN search to learn about any such recalls. Also go online and do a Google search of the make and model you have interest in. This allows you to see if there are in fact any recalls now.

Make Sure Responsibility Does Not Take Back Seat

Even when buying a used car for your teen, the importance of driver responsibility is huge.

Since your teen does not have the experience of older drivers, they must be responsible.

This means avoiding distractions such as:

  • Cell phones
  • Messing around with friends in the vehicle
  • Driving while tired
  • Drinking and driving
  • Road rage

By being the most responsible driver, your teen lowers his or her chances of being in a serious accident.

So, if now is the time for your teenager to start driving, buckle up and give them as much support as possible.

Before long, you may have a new chauffer in the home.

And what parent would not be happy about that?


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Car insurance in a near future

12 OCT 1997

Presumably, you are looking for a new car insurance company, and a company is providing you an insurance that connects you with black box and a mobile phone app that can help you track how you drive and saves you up to 30 percent on premiums. This is the future of cars, and it is called usage-based car insurance (UBI), which determines how you drive and what path you use for your destination. You will get a message from a server if you are deemed a “safe driver.”


Usage-based car insurance started back in early 2000s with Hammer insurance Rialto as an experiment to a specified number of people in a specific region. The niche market grew exponentially. Its growth was fueled by the increase in the connectivity of mobile phones and cars. It has become a mainstream choice especially across North America and Europe.

All the information collected can be accessed by the car owners online or on apps that will help them watch their driving patterns and learn the adjustments needed to improve their chance for better discounts. Hammer insurance Rialto help their customers track mileage and also give driving behavior-related discounts.

Many different models are working

For example, pay as you drive (PAYD) and pay how you drive (PHYD) are more likely to be used as a metric to calculate premiums. The influence of data analytics will also lead to methods such as manage how you drive (MHYD), which can gain momentum beyond the 2020s. The UBI policies are predicted to reach close to 100 million drivers by 2020 and be widely used in Italy, the United Kingdom and the United States of America.

The apps provide customers with “try before you buy” (TBYB) options

They are often perceived as a cool product that is especially targeted towards the millennials. The apps allow millennials to see different safe options for themselves and to monitor themselves to improve their driving and judgment skills behind the wheel.

Pay per ride and pay per use are the kind of facilities that will increasingly grow because of the significant impact of millennials. Many companies are changing their rules so that they can diminish the dissatisfaction that is created due to the one-size-fits-all approach to the way insurance packages that are offered to the people.

The key of the future

As the market evolves, we will be able to witness the rise of autonomous vehicles, and the car-sharing option will be widely used by people in the near future. These kind of companies like Hammer Insurance with all its services are the key to our future. They will determine the ability of this industry to provide insurance, and these platforms will become increasingly important day byday. They will help shape and redesign how insurance companies will change this industry for good.

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9 good reasons to start riding an electric bike


Get caught up in the electric bike revolution now. There are some well-known facts and advantages of riding an e-bike which you may already know, but if you still need convincing, here are the reasons to start riding an electric bike today:

You can go further much faster and ride them longer

Although e-bikes offer most of the benefits provided by riding regular bicycles, the fact is that however avid a cyclist you are it is likelier to get from point A to point B with an e-bike much faster than with a normal bicycle. In fact, the average speed of an electric bike is higher than that of the car when driving in heavy traffic and in urban settings.

Also, you can travel longer distances with an electric bike, because you don’t need to put so much effort into getting there. The e-bike will enable you to take longer rides as a whole.

You will start riding more

As research in the UK showed that regular bicycles get out on the roads less than 25 times a year, and only 46% of them get used one or two times a week. The same study found that owners of e-bikes use them much more. 30% claim to ride their electric bikes every day, and 81% at least once a week. This means that you are much more likely to ride more if you choose to ride an e-bike.

An e-bike can help you get and stay fit

The more you ride the more you will pedal, and this means that the more physical exercise you will be getting. This is great for your cardiovascular health, your respiratory system, and your muscle and bone strength as well as for your mental and emotional state. Riding an e-bike significantly reduces stress levels especially if you are used to driving a car in heavy traffic.

An e-bike is a superb option for people who due to age, an illness or physical condition cannot ride traditional bicycles.

You will save money

You can get a decent quality e-bike for about $1,000. The maintenance costs are like that of a regular bike.

It is a much cheaper alternative to driving a car which needs costly maintenance, insurance, parking fees, and of course all that fuel.

An e-bike is also cheaper than paying for public transport especially if you purchase season tickets or regularly buy tickets for transport.

The cost for recharging your electric bike is minimal, so you needn’t worry about your electricity bill.

They are perfect for commuting

Not only will your e-bike save you tons of money for fuel or tickets when commuting, but it will probably be much faster than using the traditional means to get to work or school.

In addition, you can ride an electric bike or bicycle lanes or take shortcuts to your destination will save time. Also, you can pass by cars in a traffic jam easily with your e-bike so no more miserable waiting in the middle of traffic.

They are actually safer than regular bicycles

Many of the accidents involving bicycle riders occur on crossroads or roundabouts and often this is due to the fact that the rider cannot pick up the speed as fast as they want to from a halted position.

The electric motor on your electric bike will allow you to accelerate much faster and get you out of this type of danger zone in time to avoid accidents.

You won’t feel the frustration or the urge of passing through a red light because of the speed you have gained which also reduces the risk of getting hit by traffic with your e-bike.

Keeping up with the traffic is also essential for your safety on the road, and this is much easier with an electric bike.

Going uphill and against the wind will be much easier

The electric motor will assist your pedaling, which is especially useful when facing a particularly strenuous hill ride or serious headwind. This is one of the main reasons why more mountain bikers are choosing to ride electric bikes. With them they can get help when getting uphill or against the wind and then enjoy the momentum of the down ride or riding with the wind fully.

They will help you explore the surroundings

Electric bikes are wonderful for touring. Most of the models have fatter tires and eyelets where you can fit some racks or panniers, which can make a long distance ride much more manageable and comfortable.

Overall, they are great fun to ride

Riding an e-bike is similar to riding a regular one, but with the motor, the riding experience is so much more fun and much less effort than relying on your pedals only to get from one point to another. You can enjoy riding to just about anywhere with your e-bike and you can even take it with you when traveling to other areas and countries as well. This will give you the independence of having your own vehicle to explore new places and get around when traveling for business or for pleasure.

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The Big Announcement From Tesla and Electric HGV


In the HGV world, September is a really exciting time. There was news about new electric postal vans, and now there has been an announcement from Tesla, the premier electric car manufacturer, of an electric HGV. Tesla is renowned for being on the cutting edge and producing high-end, beautiful cars, so it is very exciting to see them moving into the HGV industry. Dave Regan from, welcomes this news, “We have all been waiting a very long time for electric HGVs, and with a future diesel ban threat hanging over our heads, we hope that electric HGVs can change the current haulage industry”.

Electric HGV’s From Tesla

In late August it was confirmed that Tesla would be revealing its new all-electric HGV. The initial HGV is going to have a 200-300 mile real-world range, with subsequent models having 1000 mileage on a single charge. Based on our understanding, it appears that the early models will come from their Fremont, California manufacturing facility and will be featuring a ‘day cab’ without a sleeper section. According to sources close to Tesla, they are planning on adding the feature when they release longer distance models.

Earlier this year, Elon Musk, CEO of Tesla, unveiled the first photos of the new all-electric Tesla, with a glowing EV lorry displayed in a darkened image with not much more than the LED lights of the lorry piercing through the darkness. It was the first confirmation coming from Tesla that that company is aiming for the commercial market, and that time is nearly here. The image that was released showed a design that was much curvier that a majority of HGVs of similar size, with the goal being to increase efficiency and boost aerodynamics. The vehicle was described by Musch as being a real ‘spy’ to drive. However, we doubt it is going to to go as fast as the 0-63 mph times that was quoted previously! From what we were able to gather, Tesla’s intention is to match the torque and range of traditional diesel HGV tractors, which does seem quite ambitious, given what we know about the range of the electric car in comparison to conventional engine cars. With all of this in mind, we eagerly await the big day.

Beaten To The Punch By Cummins

However, the big reveal from Tesla has been slightly overshadowed by Cummins, which just released its electric heavy duty HGV ahead of Tesla. Cummins is among the leading manufacturers of natural gas and diesel commercial vehicle engines. So it wasn’t surprising that on the 29th of August the company unveiled its heavy-duty class 7 truck cab. The model comes with a 140 kWh advanced battery pack and will be on sale separately in 2019 for commercial HGV and bus fleets. This 18,000-pound cab (affectionally referred to as AEOS in reference to one of the winged horses that drove Helios’ chariot across the sky) is just currently just a demonstration model. It is fully operational though, and can easily haul a 22-tonne trailer. The range of the Cummins model is 100 miles, which right away puts it behind Tesla. However, it is targeting urban delivery vehicles instead of long-range haulage ones. It comes with a one hour charge time, and the company has announced already that manufacturing for the real model will start in 2019, which means that electric HGVs being widely available, is just 18 months away.

This is exciting news about these recent developments but there are still a few discussion points to consider.  Will electric HGVs be sustainable at this level, or will additional work need to be done in order to increase their range and refine them before commercial haulage organisations are able to use them?

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Managing Multiple Business Contracts More Easily


Businesses that have multiple accounts to manage rely on contractual agreements with other businesses and customers. A certain level of legalese is necessary in order to ensure the mutual protection and safety of each party entering into an agreement. In terms of their design, there are contracts that are complicated and some that are simple. Initially one has to go through each one separately, but repeating the process over and over will take up too much time and result in your business running less efficiently. Some contracts that are more complex might be harder to manage due to the language that is used when they are being drafted. Those documents can really eat up a lot of resources and time when trying to sift through them to figure out what kind of action is needed in order to fulfil your commitments promptly. Have your contracts been written in a way that makes it easy to manage them? If you unable to say yes to this, then your business can definitely benefit from using a system that simplifies your contract management process.

How to Simultaneously Manage Multiple Accounts

A great deal of work goes into even very simply written contracts. That is especially true whenever you have several different ones to manage. When data from each of your contracts are entered into a system that has the ability to categorize the information into certain recurring tasks this can help with the management of accounting, collection, billing, generate follow up tasks, and track expiration dates ahead of time. It also does a great job at getting a tickler system generated ahead of upcoming commitments that are related to every contract account. The solution of contract management software will help your business operate much more smoothly and reduce the amount of work needed to complete daily tasks, with more accuracy and fewer errors. We take a no-nonsense approach to provide businesses with the finest innovative software solutions to provide you with an edge in your specific industry. To ensure this, we also provide top colocation hosting in the U.K for your peace of mind.

Contract Management Software Solution Advantages

Web-based contract management software offers the necessary administration tools for storing all of a company’s contract data, licenses, permits, deeds and leases in one location that is easy to access. That can help you stop incurring late charges and missing deadlines. No matter how difficult the contract language is, there are key requirements that you can note and flag for alert system response and notification that tells the person in charge what the fulfilment requirements are for your business. That lets you take action promptly, which eliminates the need for you to search through documents and read the fine print to ensure you are in compliance with all of your agreements.

Use Customised Administrator Tools To Streamline Your Business Operations

It is easy to access multiple contract accounts through using a user-friendly dashboard that provides you with an entire range of helpful options. When they are tailored to meet your company’s daily needs, there is a dramatic reduction in the amount of time it takes for your staff to access the information they need. For businesses that are faced with having to manage multiple contracts, this is one of the finest solutions there is, no matter what the complexity levels are.

Have your contracts been written so that it is easy to manage them? Are you spending hours every month of your valuable time sorting through language in order to meet all of your requirements? You can significantly reduce the amount of time you have to spend on these process and reduce the margin of error for your company through implementing a streamlined and highly functional system. Contract management software is included in the system that can be customized for your business operations’ unique needs.

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Keeping Your Car In A Perfect State In 2018 Without Facing Any Trouble


As the old saying goes — buying a car is easy, maintaining it is not. If you own a car and want to make sure that it keeps giving you an amazing experience for many years, then learn to maintain it effectively. If you can do it, then you will not have to face any trouble in the past. But if you don’t pay attention to your car’s maintenance, then you might have to struggle to keep it in a good state over time.

Don’t let it happen ever!

Follow the points mentioned here and learn how you can keep your car in a good condition for many more years to come.

Keep It Single Handed

Research shows that those cars which are driven safely and kept singlehanded perform a lot better in the long run than those which are driven by many people on a regular basis. So, if you want to see positive results in the long term, then don’t let others drive your car casually unless it’s very important. Besides, when you drive your car, you pay attention to all the safety measures and give utmost importance to safety, but when someone else does, he might not be able to pay the same amount of attention to it.

Take It To A Workshop Regularly

Regardless of how safely you drive your car, there is no way you can keep it in a perfect condition without taking help of an expert. Make sure you find out a good workshop actively doing auto body repair Denver and take your car to it every month. Once an expert inspects it, he will be able to guide you further and share his experience with you as to how you should drive it safely.

You can find a good workshop using two ways — either takes the help of your friends or use the internet to find good leads in your area. So, decide yourself as to which way works best for you and proceed ahead accordingly.

Give it a try and feel the difference these couple of initiatives can make in your life.

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