Tuesday, July 6, 2010

Modified Cars

It's common practice for motoring enthusiasts to be penalised by their car insurer for modifying their vehicle. Whether its alloy wheels, an upgraded exhaust system, a performance enhancing engine chip or even privacy glass, the end result equates to higher risk, and in turn this leads to higher premiums.

However, with a little research you can make vehicle modifications work for you - and secure reasonably priced car insurance.

Most insurance companies enforce higher premiums on modified cars because they carry a higher risk. For example, a car with expensive alloy wheels is more likely to be a target for theft than a conventional vehicle.

Many young drivers, dubbed 'boy racers', have also given custom car owners a bad name by fitting induction kits, upgraded exhaust systems and powerful ICE (in-car entertainment) systems before cruising the streets in what can best be described as an anti-social manner.

So the emphasis is on the driver to prove their 'risk' is low to the insurer.

One method is to agree to a mileage limit. Many modified cars are driven occasionally rather than everyday, and the majority are rarely on the road during rush hour. If you prove to your insurer that you only drive the car for social or pleasure use, rather than commuting, you can reduce your premiums.

Another tip is to reduce the risk of theft by parking your car in a sceure garage overnight. Also ensure that you fit locking nuts on to alloy wheels. Fitting a tracker is also an insurer-friendly option, and although it may cost around £700, you will recoup the cost in your next few years worth of car insurance premiums.

Approach specialist car insurance companies too - there are many that cater specifically for modified vehicles and that may be able to offer quotes to motorists who may not find deals elsewhere.

Monday, July 5, 2010

BMW Car Accessories Enhance Your BMW Car Experience

One of the leading manufacturers of automobiles is without a doubt the manufacturers of BMW cars. Driving a BMW implies a certain status in society and definitely draws attention. It's a sign of success and prominence in life, so being seen in a BMW highlights a person's importance.




Usually, consumers who can afford the status of a BMW aren't just interested in purchasing the car with its features. They're purchasing the car with other desires and needs in the back of their mind, wanting to upgrade it by also owning the most up-to-date BMW car accessories.

Of course, there is a very broad range of car accessories and other items custom designed for the BMW. Some of these are exhaust pipes, tires and rims, engine upgrades, car lights, brake lights, body kits, and so much more. And of course, these accessories are in hot demand because they also carry the BMW brand name and are manufactured by the same creators of the BMW car. So the quality is dependable, with a long life span, carefully thought out design and look. They continue to communicate elegance, success, and personal flair that is associated with owning a BMW and all its accessories.

These accessories can be purchased at the same place you can buy BMWs. Alternatively, you can find them online. Some places such as the eBay, which sells a wide variety of products, will also sell BMW car accessories at cutthroat prices.

Always Check the Authenticity of the Product

You need to have your consumer watchdog radar on when searching for BMW car accessories so you aren't duped. The very brand name of BMW is linked with the elite, and so the accessories and other items carrying that brand name also carry the same status. There are always going to be people trying to sell imitations. One way to cover yourself is to thoroughly check the paperwork coming with your purchase, and don't make that final purchase until you're 100% sure of the authenticity of what you are buying.

If you find yourself in the fortunate position of owning a BMW, don't let your BMW experience finish there. You are going to want to kit it out with the newest and most up-to-date BMW accessories. It's these extra items that will set you apart from everyone else, as well as help you define your own personality and flair through your vehicle. Then you'll really enjoy the prestige of being seen in public cruising down the freeway in your BMW.

Chase Loan Modification Success

If you are facing foreclosure with Chase there are some rules you will need to follow in order to get a workout that you can afford. First and foremost you need to determine whether or not you really want to save your home. In this market home values have plummeted and a loan modification will increase your unpaid principal balance. In other words you will owe even more than you did before, the upside is that in many instances your interest rate will be fixed and your rate will be dropped.


Your first step to successful Chase loan modification assistance is to sit down and go over your financial position and determine if you can afford your home. You will need to go over expenses and the best bet is to do it with your family so you get a picture of your overall expenses. It will also be a good opportunity to have your family understand the situation and explain the budget and the extras you had will have to stop for a while.

Once you determine your expenses you may have to cut things such as cell phone usage, changing your diet to stop eating out for a while. in some instances getting rid of a car that has a high payment makes sense and it is up to you to determine how deep you cut. You will always have food expenses, car insurance, gas for car, electricity for your home, water and a few other essentials. Some non-essential that seem like essentials that can be cut are cable, high speed internet, and even your Starbucks coffee.

During your workout which can take as long as 5 months to get worked out you will need to continue to save money because in many instances you will be required to have a contribution (down payment) to get started on a loan modification.

Automotive Modifications for Drifting - Continued

In our last article, we discussed the first four typical modifications for drift cars: drive train, tires, interior and exterior. This article will focus on the final three customization areas (engine, steering and suspension), and will touch base on some of the less well known mods that drifters often seek for their car. When thinking about drifting, whether professionally or otherwise, it is imperative that drivers know the ins and outs. Some may learn techniques easily, and others may have more funding for modifications, but it is important to understand balance, and further, that one without the other useless.

Before understanding engine modifications, one must understand braking horsepower. Braking horsepower is defined as the quantity of a motor's horsepower without the decline in force caused by the gearbox, generator, differential, water pump and other supportive parts. In other words, real horsepower that is rendered to the driving wheels is less than what the vehicle is actually rated for. The differences in horsepower and braking horsepower are crucial for a drifter to understand in order for him or her to accurately modify their car for drifting.

When a driver is considering engine mods for a drift car, it is imperative that they monitor the bhp that they will be achieving with such modifications. Too much braking horsepower in a drift car makes it extremely difficult to control, even for the most advanced drifter, but bhp is still a preference, not something that is written in stone. Most drifters like to achieve a braking horsepower somewhere between 100 and 1000. However, bhp is less important than engine customizations, such as, cooling systems.

A good cooling system for a drift car is critical because these engines are pushed so hard and thus, are easily overheated. Additionally, because the car is driven in at a linear angle, the air flow to the radiator is restricted, so drivers must balance these issues with an upgraded cooling system. Manufacturers, like MimoUSA, Greddy and Fujita, all make racing radiators and cold air intake systems that are designed to cool engines that are expected to perform at higher temperatures than normal. Another technique that is commonly applied is to V-mount the radiator and intercooler, thus improving the flow of air into these areas. For those that are contemplating even minimal amounts of drifting, these cooling modifications are a must. Without them, one risks serious damage to major components under the hood.

The goal in drifting is simple...get your car sideways and keep it going sideways as long as possible. One type of modification that can help to achieve this is steering mods. Not only do steering customizations help to achieve one's angle goals, but they can also aid in spin recovery. Typical steering mods include, spacers on the steering rack, tailor-made steering racks, custom tie rod ends and machining the spindles. Steering modifications coupled with an extraordinary suspension system will make any car a much better drifter, assuming that the driver knows what they are doing.

When most people think about modifying their suspension system, they are contemplating adjusting the height of their ride, all over. In other words, they may want to lower their car by three inches, but when they lower it, the effect will be all over the car. Drifters are a little different. While they do typically adjust the height of their drift car, it is simply a personal preference, not something that is written in stone. Additionally, the front of the car is typically higher than the rear of the car. Rear sway bars are typically upgraded, and available from a variety of manufacturers. One new appeal to drifters is manufacturers that are producing specially tuned drift suspension systems. These systems are fairly new and very expensive, so it is likely that drifters will not be utilizing these until they become more affordable. Other suspension mods include increasing spring and damper rates.

As stated in our last article, drift modifications present a kind of catch twenty-two. They are expensive to do without backing from sponsors, but the only way to get sponsors is to have a good drift game. In other words, you have to put the money into the modifications first and then hope for sponsors later. Drifters often look for parts on auction sites, because the prices appear to be lower than those on sites that are specifically designed for performance and aftermarket parts and accessories. However, one must remember that many sellers on auction sites are not selling genuine parts, and they often jack up the cost of shipping to increase their profit margin.

One must carefully choose who they will deal with when buying their parts and accessories. One real benefit is that often times, most of the parts that drifters buy for their vehicles are easily installed without the aid of a mechanic or body shop.

Alloy Wheels, Body Kits, Tuning - Is Car Modification For You

In this article I'm hoping to answer the question that some people are not too sure about, is car modification for me? There are many different types of modifications you can do to your car including alloy wheels, interior mods, body kits, tinted windows, and loads more. In my personal opinion I think you can make your car suit your own personal style with just a few tasteful mods and small tweaks here and there, you don't need to go and get huge spoilers and massive body kits to get noticed although some people do like this kind of styling I just don't think its necessary. The first thing I would do when setting out to mod a car would be to see what sort of products and goodies are out there for your car and then because you have seen what is available you can put together a picture in your head of what you would like your car to end up looking like. Some other important things to think about when picking modifications is what you will be using the vehicle for or the amount of use that vehicle gets.



For example if you have a car that needs to be used for every day driving to and from work over various road conditions sometimes with heavy loads you wouldn't want to lower the car too much as the extra weight would affect how the car handles as well as the ride being compromised all these things need to be thought about before you do anything to your car because what might seem like a good idea one minute will bite you in the arse a few months down the line. Outrageous modification might also cause problems when it comes to selling the vehicle just think when you're trying to sell something you want the biggest market possible and I know for a fact that not everyone like rides slammed to the ground on 20" rims. So if possible make the mods subtle or even keep the old parts you replace and simply swap them back when you're ready to sell.

The only way to tell if car modification is for you is to try it out maybe you have just got your first car and you want to change it up a bit or maybe you have just got a car you have been longing after for some time and want to switch it up a bit, my advice would be to start small. Alloys wheels really change the look of the car giving it a much more aggressive look and feel they will also help you stay stuck to the road with a wider contact area for your rubber. If you look around you can find some good deals out there so it won't cripple your bank account. Once you have the wheels on your ride you might decide that is it, it looks the dogs or you might think 'oh its not quite what I was looking for maybe I'll just......', what I'm trying to say is don't rush into it you could get in above your head and not only could you lose a substantial amount money but you could also ruin your car which could result in all sorts of problems.

If you're looking at a particular car to be your first car modification experience you should log on to some forums, there are loads out there ranging from small tuning mods to full on totally modified custom rides. There is something out there for everyone and you'll normally find a lot of people on these forums that will be willing to help you, give you great tips and tricks and really help you get your head around what you want to achieve. I remember when I got my first car (escort MK4) I wanted to 'kit it up a bit' but I really wish I had someone or even better a group of people to talk it over with, it just make things a little easier and things will normally run a little smoother if you take your time. If you are reading this then I'm almost 100% sure there is some sort of car modification that will interest you in some way or another so go forth and modify. I hope this has helped you understand why and what car modification is about after all there are many ways to mod a car were not all just boy racers but still want to show the world what we are about through our cars.

Hi, Thanks for reading my article I hope it helped you, keep your eyes open for more car modification and accessories articles.

there is a bike train from Boston to Newburyport

A recent Boston Globe article says that there's a special bike coach that riders can take from Boston up to Cape Ann, to do a little coastal riding, checking out the beaches and shore up near Rockport and Ipswich.  I'm going to have to check it out later this summer.

Thursday, July 1, 2010

The Numbers Are In

It's now been more than a year since we got rid of our car.  Last weekend, Tracy added up our transportation costs for the past year, as well as for the year prior, so we can see how much money we saved by getting rid of our car.  (If at all.)

Keep in mind that it's not like we never drive a car--we use zipcar and other rental cars when we need them.  And that costs money.  As does bike repair and T passes.

So here are the totals:

In our last year with the car, 2008-2009, here's what we spent on transportation:

T-pass/subway:  $520.30
Gas:  $1,293.69
Insurance: $829.35
Car repair:  $1,839.35
Tolls/parking:  $484.95
Monthly parking:  $720.00

TOTAL:  $5,687.64

So last year, without a car, here's what we spent:
Bicycles (repair, class, supplies, and new (used) bikes for both kids):  $896.10
Car rental (not zipcar):  $939.17
Walking:  $42.48  (shoe inserts, but not shoes)
T/Subway:  $558.72
Zipcar:  $1,033.95

TOTAL:  $3,470.42


So, by getting rid of our car, last year we saved:  $2,217.22  (or about $184.77 per month).  Last year, when we were getting started on this, we'd estimated that we'd save about $170 in cash every month

Some things to keep in mind: 
  • the car costs from the last year with the car did not include the purchase cost of the car (it was paid off a long time ago).  If you spread out the cost of buying the car over all the years we owned it, that was about $150/ month (I figured this out last year.)
  • our bike costs might go down a bit in the next year because this year each of the kids got a new (used) bike via Craig's List, we bought a trailer, and I learned how to do basic repairs on the bikes, so even though there will still be some shop visits, they should be fewer.
  • We spent more on zipcar and rental cars than we'd planned, but I think we were pretty satisfied with how it worked out.  We got to visit family when we needed to and took field trips that we wanted.
  • Not only did we save money, we also put a lot less emissions into the air.  And we got a lot of great exercise and fresh air.
  • In our daily lives, because we live in a very walkable, urban area, not having a car didn't end up costing a lot more time.  Grocery shopping by bike doesn't take a lot longer than by car, and other errands, by the time you get in the car, find a parking space, park the car, get out of the car, aren't a lot faster by car than on foot or bike.  This wouldn't be the case if we lived in the suburbs or country.
So it's been a big success so far--we're saving money, getting fit, and doing a small (tiny) bit for the environment.  I'd say we're in no hurry to go out and buy a car.