Car Tuning,Car Finance,Auto Loans

Archive for October, 2009

Welcome to Everything About Cars.

Cars have been an obsession for human beings since their conception in the late 19th century.
If cars had a heart, it would no doubt be the gasoline engine.

A controversy in the 21st century, the gasoline engine has nonetheless withstood the test of time and is still being employed today in most modern cars.

Many people, if their budget allows it, becoming collectors of cars. Throughout the years, thousands of models have made their entrance, had their moment of glory, and made their exit. Collecting vintage cars is a hobby only available to those who can afford it, however, as it is costly and requires a lot of garage space. The maintenance of cars is absolutely crucial to any collector; it should be of utmost importance that the cars be shiny, mechanically functional, and ready to be taken for any whimsical spin deemed necessary.

For many, however, cars are little more than a functional tool of locomotion. It is understandable then, that the controversy surrounding the gasoline engine has now reached critical proportions. Cars can be powered by new-age hybrid motors which rely on an electrical back-up system-only using gasoline combustion when absolutely necessary. These motors can help cars reduce their emissions of carbon monoxide.

There is a future for cars – one that remains stylish yet adapts to the modern world’s needs. There would be nothing more luxurious than adapting classic cars to new, hybridized technologies. This is why the future for cars, car collectors, and environment-friendly functionalists is a bright one.

MOMO has long held the title of the worlds best interior auto accessories, but there is some competition coming from SHUTT. MOMO shift knobs are very popular worldwide and can be found in all types of rides. SHUTT is very popular in South America and has outsold MOMO, SPARCO, and GRANT for many years, there business started in 1993 and has recently come to the US market in the last two years. Both MOMO and SHUTT are of the highest quality auto accessories only using the best materials in their designs. It seems that the only area the two companies don’t agree is price, with SHUTT consistently coming in around 20% less.

SHUTT was at SEMA 2008 and had a variety of gear shift knobs available for viewing. Made from such materials as leather, carbon fiber, aluminum, chromed details and quality laser imprinted logos. The shifter knobs were very attractive and had a great feel to them…very comfortable. The leather was thick and durable, as it was in all the products. The shift knobs attach to your current shifter lever by way of set screws set around the base usually hidden behind a screw on base…function incorporated into the fashion. SHUTT has several leather shifter boots to go along with your new shift knob, that way you can complete the look.

You may have seen SHUTT ads in some auto mags like import tuner, car stereo tuning, full power and more. And I am sure you will see more in the future, SHUTT will only grow as word gets out that there is another top quality brand out there. SHUTT added a car audio line that will rock your world, 12 inch subwoofers that come in various watts and ohms, a component set and two different lines of amps, one of which is digital.

Overall both companies have very high quality parts, very unique designs, new models coming out every season…so why choose SHUTT over the well known MOMO? Well for one Shutt has a lifetime warranty, I could not gather any info online about the MOMO warranty. SHUTT prices were 20% less overall and in this economy everyone wants to get a quality product at a lower price. MOMO products are the established company and that alone can sway some buyers. Although there is something to be said about a company that will jump up and give serious competition to MOMO, that might sway younger car enthusiast to give SHUTT a try.

After much research I found that Shutt was not that easily located here in the US yet, I called several accessory shops nearby and most had not even heard of the brand yet. The only place that looks reputable is www.shuttusa.com, other than that a few other online sites and that’s it right now. Of course the manufacturers sites are nice but they do not allow any purchases. So you can call and check your local shops but you will probably be back online so remember that site name.

Anyways I can’t wait to go to next years SEMA show, the only thing that would have been better is if this economy wasn’t in a funk so I could have had more money to blow in Vegas. Until next time “tune it in” and have fun.

The car financing market is flooded with lenders wanting to provide car financing. In some cases they are doing this car financing without doing any credit checks.

Many people are denied loans from banks  due to bad credit in their history. They have missed payments in the past or even have been bankrupt somewhere along the line. But new markets of specialized lenders have opened up providing financing to everyone.

Being able to get car financing makes buying a new or used car an easy task. Upgrading your car to a reliable model is a breeze.

With any financial arrangement you enter into you must be aware of the terms and conditions associated with your car financing. It is no sense having a wonderful loan if it is out of your budget or is going to cause you further credit rating problems. As well as understanding the terms look out for hidden charges and be entirely clear what your regular repayment amount is going to be.

You don’t buy a car without looking at what else is on the yard.   Nor should you take up a loan unless you have had a look at the options out there. Comparing lenders, terms and interest rates is one of the most sensible things you can do. The payback will be in terms of the payments you make and the peace of mind you will have knowing you have checked your options out. 

Ask your friends where they got their car financing. Check with your bank as to what they can offer you. And of course for convenience do your research online. Check out the claims they make, and make sure you are dealing with a reputable company.

The other option is finding out directly from the car dealer what car financing options they can provide. Hire purchase offered by these dealers often requires a deposit be made up front followed by a number of regular repayments over the life of the loan. Again be clear what interest and charges are involved in these arrangements.

So hopefully the options above give you the idea that you too are eligible to get car financing that will let you buy the car you need.

Caffeinated Content

Tuning the exhaust for a car can make a big difference on how your car performs. The normal exhaust fitted by the car manufactures are normally a compromise between performance and production costs. The standard exhaust system is made to a budget and to keep the exhaust quiet which also makes the exhaust fairly restrictive.

By changing the system for a less restrictive type of exhaust should give you some gain in your cars performance. One of the first things to look at is the the manifold section of the exhaust. These are normally made of cast iron or even if they are made of steel will tend to have quite sharp bends in them. This can restrict the gas flow quite a lot. Checking that the ports of the exhaust match up with the cylinder head ports can make quite a difference to performance. If you are intending to keep the original manifold, then the simple use of a small grinding stone on a drill to match the two ports up can make a big advantage.

The design of the manifold already fitted to your car also makes a difference as well. The four-into-one or four-into-two-into-one makes, are generally a better design than the other types. So if your car is fitted with one of the first two types you might not have to change them.

The next stage is to look at the silencers on the car. The normal silencers will tend to be pretty restrictive as they tend to push the gases through a U-turn to get more silencing from the silencer baffles to make the car quiet.

Fitting a straight through silencer instead with maybe a slightly larger bore, can help eliminate some of these restrictions. Beware about going too large though, as some back pressure is needed to help with the performance. If you loose all of the back pressure, you could actually loose power rather than gain it. The exhaust has to be tuned for the car and having some back pressure going back towards the engine actually helps to pull the rest of the exhaust gases from the engine. That is why you will find cars with no exhausts do not perform well at all. You may have been in a position in the past where your exhaust has broken when you have been driving and you can tell how much power is suddenly lost.

You will also have to check that the new silencer is road legal as these silencers tend to make more noise than the standard boxes. Expect to loose some cabin comfort because of the increased noise as well. Some people like to look at this noise as just a sporting or throaty sound but on long journeys this sound can get a little tiresome.

For greater improvement still you may want to change the manifold to a free flow tubular type. For normal road use it is best to try and aim for a system that will improve the cars’ mid range power for better acceleration and overtaking capacity rather than the top end power.

With everyone looking at how to save money, many consumers are looking to refinance their existing car loans as a means to do just that. There are many benefits to refinancing a car loan from saving money on your monthly payments to reducing the overall amount of interest you will pay over the life of the loan. How soon after purchasing your vehicle can you refinance it? That varies by lender but most will allow you to do so after you have made at least three payments on your existing loan.

If you are still not sure of the benefits of refinancing, here are a few to help you with your decision:

• Lower Payments – The most obvious reason to refinance your existing car loan is to lower your monthly payments. What most consumers do not realize is that the finance dealership is one of the most profitable areas. Unless you are one of the small percentages of customers that shop around for their financing beforehand, you probably fall into the category of paying too much for your financing.

• Lower Interest Rate – This is not the only reason to refinance but defiantly one that comes to mind. However, just lowering your existing rate will not always save you a lot of money in your monthly payments. Ask the new lender for extended terms as well. If it is a simple interest loan, you can always prepay with no penalties but when you need the payment lower, this will give it to you.

• Save Money – It is just common sense. If you can lower your payments on your existing car that you drive today, you will save over the life of the loan.

You should spend a few minutes online and do the research. You can find more about a refinance car loan and other useful tips at OpenRoad Lending.

Auto Loans

One of the smartest investments that you can make today is to buy a car. The investment is a wise one, closely following that for your home or property. Buying a car has literally unlimited advantages. Not only can you save on transport costs, it also offers you endless convenience and something to fall back upon in case of an emergency. In today’s world, it is almost unthinkable to not own a car, hence it would be a wise decision to invest in a car if you already have not done so. However buying a car is an important decision so it is crucial that you put a lot of thought into the kind of car finance that you are going to use. At the end of the day, you do not want to be stuck with a car that is not a good drive, or one which is uncomfortable or fall back on monthly payments.

A car finance calculator is a valuable asset if you are thinking of buying a car. This tool is offered by many car finance companies that give you loans for a car. The purpose of a car finance calculator is to establish the monthly loan compensation that you will be required to make. The advantage of having a car finance calculator is that you can rest easy when it comes to the calculations that are associated with purchasing the car on credit. When you buy a car on credit, you need to be very careful about how you are going t repay the loan. Usually you are required to repay the sum as monthly installments in addition to the acquisition cost. The car finance calculator is such an useful device that helps you work out the expenses related to buying a car. The tool not only helps you calculate expenses, it also helps to put your mind at rest regarding how you are going to pay back your loan.

Using a car finance calculator is simple. All that you will need to do is enter the loan amount, the interest rate and the time of the deal. This is usually five years. Once you have entered all the necessary details, the calculator will produce the significant figures that you need to pay. This allows you to review the loan in a foolproof way.

When you are using the calculator, initially you will be presented with the overall expenditure for the car loan. This includes the interest and the amount that you need to pay thereafter. Then you will be shown the significant figures and the complete interest that you stand to pay.

The car loan calculator has many supplementary features that will make your life much easier. These properties make the calculator an indispensable when it comes to buying a car. The basic purpose of owning a car loan calculator is to decide whether it is worth going through with the process of buying a car and whether you will be able to keep up the monthly payments along with interest.

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