Paintless Dent Removal News

Automotive Jobs | Where to find the good ones!

2007-01-07T22:50:00.000-08:00

Automotive Jobs According to United States the counting office the number people, which work at home, again essentially grew over the last decade. Approximately 4,2 million people do it now. Whether you let your own business run, telecommute or an independent outside firm are and work from the house, have a number of advantages. Among them more flexibility, storing time and money by eliminating exchange, and of of diverson on the job and in its having the avoidance of of noises arrange work around family obligations. If you made the decision, in order to give it an attempt, there are some things to take to for the knowledge of high front side: Business Home based They must begin to pay their, own Beschaeftigungsteuern; pursue each work in connection standing expenses, no matter how large or small; and you must invest high map in some tools, in order to keep begun. * Computer an office cannot work on this day and on age without a computer. There are dozens of models to select to of but a most comfortable laptop would possibly be, which can be gotten to the meetings, if necessary. Home business * Printer/scanner/fax machine a printer is must for each main business. Are so a scanner and a fax machine. They tended to have to buy these separately, but nowadays, can you from the comfort of having all office functions profit, which need you in a reliable solution. Some companies form all in one models. * Postage measuring instrument time is standing for money and nobody would like any of it to waste in the line in the post office. Thus you wish in a postage measuring instrument invest, which permits you, postage at each time to print you to necessity it. Pitney Bowes, a market leader in postage measures, offers a model, which comes with an inserted scale, which weighs your post office and prints exact postage each time. Work at home The measuring instrument harnesses you up to a telephone line and can in your request select to add capital 24/7. According to applicable guidelines and regulations postage measuring instruments cannot be possessed by a business, but you can rent. Dependent on the model you select, cost it between $15 and $20 per month -- expenses, which are you in that to write at the year end away. If you have only some one behind the other to send away individual parts, can you out it in your mail box for admission by its local hoisting engine straight adjust. If you must send a large volume post office, you can associate United States with the post office service (www.usps.cokm/pickup) and form preparations for admission. During a limited time you can try mailstation, that for 90-days are danger free and receive $50 in the free postage coupons, by clicking here. * Paper tearing wolf on this day and at age, at which security such is an interest, is a paper tearing wolf also a good idea. They can use this, in order to get rid of sensitive documents surely, which do not need you any longer. As soon as you have these fundamental tools in the place, the only other things, which need you, are stationary a telephone, feathers/springs and pencils. Then your head office is ready for the business.

Auto News

2006-10-25T20:25:00.000-07:00

Turnaround plan cuts GM loss to $115 million Excluding special charges, it earned $529 million General Motors Corp. beat analyst expectations for third-quarter earnings, saying its turnaround efforts are taking hold. GM reported Wednesday morning a net loss of $115 million, or a loss of 20 cents per share, in the third quarter, but excluding special onetime items, it made $529 million, or 93 cents per share. Excluding these items, GM was expected to make $277 million, or 49 cents a share, according to a consensus of analyst estimates by Thomson Financial. Analysts focus on an adjusted net income that sets aside these one-time items as a way to assess a company's business on an on-going basis. The special items amounted to $644 million in charges, including a write-down at GMAC in the commercial finance business and an increase to the charge associated with Delphi Corp.'s reorganization. In a press statement, GM CEO and Chairman Rick Wagoner was upbeat about the results. GM had a net loss of $1.6 billion in the third quarter of last year — a $1.1 billion loss taking out special onetime items. “Our third quarter results again reflect significant progress in our fast-paced initiatives to turn around our business and create a company that is leaner, faster and positioned for long-term sustainable growth,” said Chairman and Chief Executive Officer Rick Wagoner. GM continued to lose money in its North American automotive business, a major drag on profits. The Detroit automaker lost $374 million in its North American automotive operations in the third quarter, but that was more than a $1-billion improvement from the third quarter last year. GM has taken key steps in cutting costs in North America, including getting a deal with the UAW to reduce health care costs and having more than 30,000 hourly workers sign up for early retirement or buyout deals. GM's press statement Wednesday morning also said it saw progress in the negotiations with the bankruptcy proceedings at Delphi, a former GM division and its largest supplier. GM narrowed the range for the cost that could result from benefit guarantees it made to Delphi to between $6 billion and $7.5 billion pretax, compared to the $5.5 billion to $12 billion previously estimated. GM said it believes the amount of the liability is likely at the lower end of the new range. To handle this potential liability, GM increased a reserve by $500 million in the third quarter, bringing total charges taken so far for this Delphi contingency to $6 billion. GM also disclosed that the final agreement with Delphi may require GM to reimburse Delphi for some labor expenses. The initial payment in 2007 is not expected to exceed $400 million, GM said. An ongoing expense would be for a limited time and is estimated to average less than $100 million annually. GM said it expects these payments to be exceeded by reductions in Delphi material cost premiums. The third-quarter report comes just weeks after GM called off alliance talks with Renault SA and Nissan Motor Co. Shortly after the talks ended, GM board member Jerry York, an adviser to shareholder Kirk Kerkorian, resigned, prompting some experts to predict a battle for control at GM. Strong third-quarter results would strengthen Wagoner's position, many analysts predicted at the time. Automakers and Bush finally set date to meet President George W. Bush The White House has set a date for President George W. Bush to meet with the heads of Detroit's automakers, senior adviser Karl Rove said. "I'm not going to tell you what the date is, but there is a date," Rove said on WJR-AM radio (760) Tuesday, adding that the administration talks to "the auto boys all the time." The meeting is expected in mid-November. White House officials said they were aiming to hold the meeting then, but did not want to provide a firm date on the chance that it could be postponed again. Bush pledged in September to meet with the heads of General Motors Corp., Ford Motor Co. and the Chrysler Group after Gov. Jennifer Granholm and Democrats said the White House had ignored the problems facing Detroit's automakers. The get-together had been conceived as a chance for the executives to talk about energy, currency and health care issues. But, if midterm elections swing one or both houses of Congress to Democrats, the meeting's tone could change. Rove said health care, foreign trade and tort reform will be discussed. "We need to expand markets; we need to have a level playing field so they can sell their products abroad," Rove said. "We need to have tax policies and litigation policies so they can get their job done without a bunch of junk and frivolous lawsuits." Chrysler Group posts $1.48-billion operating loss German automaker DaimlerChrysler AG saw profits drop 37% in the three months ended Sept. 30 primarily due to a quarterly operating loss of $1.5 billion at the Chrysler Group. During a Wednesday morning third-quarter conference call, DaimlerChrysler reported an operating profit of $1.13 billion for the quarter thanks to better than expected results from its Mercedes and truck divisions. Mercedes' operating profit more than doubled from a year earlier. DaimlerChrysler blamed the losses at its Chrysler division on falling demand for vehicles from dealers, negative net pricing and a shift in consumer tastes from large pickups and SUVs to smaller, more fuel-efficient – and less profitable – vehicles. Chrysler's sales fell 26% to $12.1 billion from $16.4 billion. In response to the decline in demand, Chrysler reports that it reduced third-quarter vehicle shipments, which are closely tied to production, to 504,426, down 158,937 from the third-quarter 2005. “We are in no way satisfied with our third-quarter results” Chrysler Group President Tom LaSorda said in a statement. “We have taken dramatic steps to reduce production and shipments to address the inventory situation in the U.S. and we continue to work to find new ways to eliminate waste, lower our costs and improve quality.” Chrysler is in the midst of evaluating its operations through a program called Project Refocus to determine where it can cut up to $1,000 from the cost of every vehicle it makes. LaSorda and DaimlerChrysler executives said nothing has been ruled out, including layoffs and idling plants. Bodo Uebber, a member of the DaimlerChrysler board of management responsible for finance would not speculate during the Wednesday morning conference call on whether the options included selling Chrysler. “We don't exclude anything here," Uebber said. “We will do our analysis. Second, we will talk about measures. And third, we will draw our conclusions.” Toyota recalling 30,000 Scions over air bags Concerns they could deploy if doors slammed hard WASHINGTON - Toyota Motor Corp. said Tuesday it was recalling about 30,000 Scion TC sports coupes over concerns that the side air bags could inadvertently deploy if the door is slammed forcefully. The recall affects about 20 percent of the tCs produced during the 2005 and 2006 model years, Toyota said. The vehicle is only sold in the United States. The automaker said seat-mounted side air bags and side curtain air bags could deploy if the door on that side of the vehicle is closed forcefully while the ignition is on or within 90 seconds of when the ignition is turned off. Toyota said it has received reports of 17 incidents in which the air bag deployed. No accidents, deaths or injuries have been reported. Scion, Toyota's youth-oriented brand, will send recall notices to owners next month. Dealers will replace the side air bag sensors at no charge. Consumers can call the automaker at (866) 707-2466.

Auto Loan

2006-10-25T20:24:00.000-07:00

Car loans keep getting longer Think that car payment would be a little more affordable if you could just spread those payments over another year or two? If you do, you're not alone. Eighty-nine percent of new car buyers are financing their vehicles for more than four years, and 55 percent select loans that extend more than five years, according to a 2006 study commissioned by the Consumer Bankers Association and conducted by BenchMark Consulting International. "Cars are made better, they are more expensive and people are keeping them longer," says Carter Myers, president of Carter Myers Automotive, a group of Virginia-based dealerships, past chairman of the National Automobile Dealers Association and chairman of Automotive Retailing Today, an industry association of manufacturers and dealers. Given those circumstances, "it's natural" that the loan cycle would lengthen, he says. With used cars, 82 percent of buyers finance for more than four years, and 40 percent opt for payments to run more than five years, according to the study. A good idea? So are longer loans good for the consumer? "It has allowed consumers to buy more car than they had in the past," says Marguerite Watanabe, auto finance practice manager for BenchMark, a management consulting firm. Twenty years ago, when consumers shopped for a car, they focused on the cost of the car, she says. Today, they shop payments. "The monthly payment is now what's driving the purchase." Whether it's a good move for an individual consumer may depend on how he or she handles the loan, says Philip Reed, consumer service advice editor for Edmunds.com. Longer payoffs don't offer the buyer a lot of positives, Reed says. Virtually the only upside is that "you can afford a car you couldn't otherwise afford," he says. A long-term loan delays ownership, even as the car is decreasing in value, Reed says. Typically, cars drop in value about 20 percent when the first owner drives them off the lot. Between years two and five, they plateau, losing value gradually. After year five, value "begins dropping off more steeply" for most cars, he says. There are ways for consumers to benefit from longer-loan terms, Reed says. He recently took out a five-year loan on a new car with the goal of paying extra every month and getting the note paid in three years. The longer term gives him the flexibility of a lower minimum payment and he gets to decide just how much more money he puts toward the payment every month. "If you're fairly disciplined, you can make larger payments and pay it off early," Reed says. To calculate whether a longer term loan is the right move for you (and your car), you want to look at how you use a car, how often you trade, plus the resale record of the specific make and model. In addition, just how much money do you realistically plan to put toward a car payment every month? The typical long-term loan buyer is "more likely someone who expects to drive the car for a long time," says Paul Taylor, chief economist for the National Association of Automobile Dealers. It's also more typical for select or "cult" cars that either appreciate or don't lose value in the usual manner. For the regular buyer and the regular car, a long-term loan is "out of sync with the typical ownership cycle," Taylor says. People tend to keep a vehicle about 4.8 to 5.5 years, he says. Typically, they sell it about three months before the loan is paid, he says. Some consumers may also be using longer loan terms to get into cars they might not be able to otherwise afford. If you've got your heart set on a luxury sedan and, after the down payment, need to finance $30,000, a three-year loan at 3 percent will cost you $872 per month. If you could pay it over seven years at 6 percent, the payment drops to $497. But don't forget, it also adds $4,340 (in interest) to the cost of the car. Always think long term. If a longer finance cycle means that you'll also be keeping the car during the period when you can also expect more expensive repairs or service visits, or past the point when it would have substantial trade-in value, then that lower monthly payment may end up costing more than you bargained. Real-life math Being able to drive that dream car involves more than just making the monthly payment. You want to make a smart decision on both the car and the financing. First, look at the basic costs. Just how much would the monthly payment differ if you financed your car over five or six years instead of two, three or four? Dealers can typically offer from zero percent to 6 percent, depending on your credit and the length of the loan, says Taylor. Typically, the longer the loan, the higher the rate. "Obviously, if you're going to pay it off over a longer period of time, it will cost you more," says Deanna Sclar, author of "Buying a Car for Dummies." So look at what those dollars could have earned you elsewhere. If you hadn't put the money into the car, and instead parked it in your investment or savings account, what would that have earned? "You have to look at what your money can buy you," Sclar says. The smart rule of thumb? Spend no more than 20 percent of household income on auto payments, says Reed. By that measure, most people really can't afford the cars they're driving, he says. Next, look at how you want to use the car and for how long. Many experts recommend setting the loan term to coincide with when you probably want to trade the vehicle (and even giving yourself a few payment-free months to assemble a down payment.) If you typically like to trade a car every three or four years, how would a five- or six-year loan change your plans? "Certainly a longer loan does make it more difficult to trade early," says Myers. How will having an older car impact your next trade-in deal? Typically, a well-maintained six-year-old model will fetch considerably less than a three-year-old version of the same vehicle. Another point to keep in mind: Sometimes predicting the future worth of an auto can be a gamble. Future value is based on predicted demand, and what is in demand can change very quickly. "You can't always figure that out," says Reed. Case in point: sport utility vehicles. While they may seem to make up every other vehicle on the road, demand for SUVs has dropped since the price of gas started creeping toward and past $3 a gallon, says Reed. As a result, the trade-in and resale value once predicted for many models several years ago has changed, he says. What will it cost you? You also want to look at the repair costs that you'll rack up during those extra years. Based on what you know about the make and model, what kind of repair bills should you expect during the additional years you'll have the car? Can you afford those bills in addition to the monthly payments? One good thing: Warranties on cars have gotten longer, too, says Myers. Check out any service contract or extended warranty the seller might offer to see if it would cover or offset any of the garage bills you could expect during those extra few years of ownership. Then just do the math. When you figure out how much extra you stand to pay in interest, try to also tally up if or how the value of the car would change if you keep it a few more years. If you plan on using the car as a trade-in, what will those extra few years in age cost you when you go to buy your next car? And what, if anything, would you be earning with any of that extra money you might be paying? From a more practical standpoint, what choices do you have if your life changes (moves, marriage, career change, baby, new commute, etc.), and the old car is no longer the right car? Try to keep your options open. If you put at least 20 percent down, you've covered that first year of steep depreciation and should never be upside down in your loan and owe more than the car is actually worth, says Reed (which can make it difficult to sell or trade the vehicle). In some situations, you may even want to consider refinancing, he says. Don't forget to add in the boredom factor. Sure, you love the car now, but how will you feel about it when it's three years old and you're only halfway through the payment book? Most of all, realize that this vehicle is one of many that you will own, and it's something that will affect your finances for the period of time you own it, so plan accordingly. Says Reed, "It's a good idea for people to look at auto expenses as a cycle and not a one-time shot."

New Car Invoice

2006-10-25T20:23:00.000-07:00

How to Find Automobile Invoice Prices Online If you're thinking about buying a new car and want to make sure you get a good deal, here's some good news for you: Now you can go online and get invoice prices for makes and models of all major automobile types. Instructions * STEP 1: Find Web sites with automobile pricing information by using a search engine such as Yahoo! or Google. * STEP 2: Type the keywords "invoice prices autos." Include the model, make and year of the car you want information about. * STEP 3: Press Enter on your keyboard or click the Search button to submit your query. * STEP 4: Click on a site that best suits your interests or needs from the list of search results provided by the search engine. * STEP 5: Follow the directions provided by the site to find and compare pricing information. Manufacturer suggested retail price and the dealer invoice price are generally included. * STEP 6: Click the Back button on your Web browser to return to the list of search results and choose another site to explore. Tips & Warnings * Miles per gallon and horsepower measurements are also available. * You can see the standard equipment that comes with the car and check the list of options to see how much the car will cost with everything you want. * Many sites allow you to compare several dealers' prices directly on the site. * If given the option, leave your e-mail address or phone number if you'd like someone to get in touch with you after you've seen the invoice price. 10 Tips for Buying a Pre-Owned Car - Make the most of your investment Sometimes it seems as if even Sherlock Holmes would have trouble finding a good pre-owned car. There's just so much to check, from interior wear and tear to maintenance history. Why does the interior on the '96 Lexus look like it belongs on a '92 Chevy? Why does the car with more than 100,000 miles look and drive better than the car with only 30,000 miles on the speedo? Rest assured, there's a reason for everything--and putting it all together doesn't have to be a hard as a New York Times crossword puzzle. Just keep these ten tips in mind and chances are you'll be on your way to a dependable pre-owned car. 1. Go with low mileage: Given the choice between two virtually identical cars with dissimilar mileage, (even if there's no mechanical or cosmetic difference), pick the lower mileage car. Lower miles are a benefit if you resell, and provide more extended warranty eligibility at a better price. 2. Options increase selling prospects: With new cars, the difference between modestly- equipped and loaded can mean several thousand dollars. As vehicles age, this price gap narrows. Loaded used cars cost more, but deliver desirable options for much less than original cost. Well- optioned, deluxe models are easier to resell than base models of the same vehicle. 3. Hang out with the popular crowd: If you plan to resell, consider popularity factors. Well- equipped, high-demand cars in popular colors are always the easiest to resell. 4. Learn about the previous owner: Find out the number of previous owners. Ideally, a 2 year-old-car should have one owner, and a five-year-old car shouldn't have more than two owners. More owners may be a warning sign. Beware of missing or inconsistent service records. Get the real history of any used car, Check it through CARFAX before you buy. 5. Know the difference between age and depreciation: With late-model used vehicles, the previous owner has absorbed a big chunk of the vehicle's total depreciation. Try to buy before the depreciation curve levels off and while the car is as new as possible. This generally falls in the two-to-four year old range, although it varies by make and model. Study prices versus vehicle age to determine that ideal window. 6. Investigate the lease and rental market: There are many excellent lease return cars on the market, especially cars driven by an individual for personal use, or in a company. Motor pool cars (e.g. utility company vehicles), less so. Maintenance schedules are excellent on rental cars, but drivers do abuse them. 7. Protect your investment: The remainder of the original manufacturer's warranty can usually be transferred. Autobytel.com offers an extended warranty (3 months,/3,000 miles) free, and low-cost protection beyond that . When shopping any warranty, check the fine print, watching for excessive deductibles. 8. Get everything in writing: Especially price, terms, repairs, and/or trade-ins. This should be clearly written into the sales agreement. 9. Know what you're buying: In general, you should stay away from cars with a negative history. Examples include: Cars from natural disaster locales, repaired insurance "totals" (most titles identify salvaged wrecks), excessive mileage cars (more than 15 thousand miles per year), cars whose manufacturer has retreated from the US. Market, dramatically modified cars and vehicles from bankruptcy or law enforcement seizures. 10. Do your homework: Research everything about the vehicles you have in mind. Read up on current trade-in and market value, safety ratings, consumer and professional reviews, and the options, mileage adjustment and condition of the car. How to Find Rebates and Incentives on New Cars Save yourself some serious money on that new car by learning about rebates and incentives and then use them when you negotiate. Instructions * STEP 1: Watch the newspaper for ads featuring rebates on certain models. * STEP 2: Search the Internet regularly to keep up on current rebates and incentives. * STEP 3: Ask the salesman at the dealership if there are any. * STEP 4: Make sure you get a written guarantee that the rebate or incentive will still be good when your vehicle arrives if you're ordering from the manufacturer. Rebates and incentives do have expiration dates. * STEP 5: Ask the sales manager if the sales representatives says there isn't an incentive on your particular car. Sometimes sales representatives aren't told about them. * STEP 6: Be aware that incentives and rebates aren't always available nationwide. Sometimes certain geographical regions are excluded if a car is already selling well there. * STEP 7: Wait a week or so if the manufacturer isn't offering a rebate on your car. Rebates are always going on and chances are pretty good that you'll be able to take advantage of one if you're patient. Tips & Warnings * Remember that everything is negotiable. If you aren't satisfied, you don't have to buy from a particular dealer. The sales representative knows this; he wants you to forget it. How to Find a Classic or Vintage Car That's Right For You Take the Easy Road to Collector Cars and Prices You love those classic and vintage cars and you've got a hankering to own one. After convincing the wife and winning over the bank's loan manager, you're on the hunt for a perfect vehicle. But where to start? Researching the vintage car market isn't like hanging out at a used car lot. First, decide what type of car is best for you. That probably eliminates those exotic beauties that appear in major auto shows and international concours. Face it, unless you're wealthy, you can't afford one. Most likely what you want can simply be described as a "collector car." The next perilous decision has to do with ability, as well as financial resources. Collector cars can be (a) superbly restored (b) dependable runners that require work (c) basket cases needing to be rebuilt from the ground up. Most experts suggest staying away from the latter unless you're a skilled mechanic and/or body repair man. Some cars, once restored, are valued at less than what it costs to do the restoration. Which takes us to another point. Why are you buying a vintage car? The trading of collector cars is such that many are now regarded as investments: Safe havens for money, potential profit makers. If your car is to be an investment, better be careful regarding choice of vehicle and how much will be spent to put it in saleable condition. My advice to first-time buyers? Forget investment potential until you've had prior experience in the old car market. Or be prepared to spend some entertaining hours at the auctions. Classic and vintage car auctions provide an opportunity to view large numbers of collector cars all in one place. Which means more choice plus the possibility of obtaining a bargain. There are dozens of auctions held around the country, some of international stature, others strictly local. If you can afford the cost of travel, the big auctions are worth the trouble but you may find some gems at the smaller gatherings. Just be sure you're properly informed about values before making a bid. So... having dealt with several difficult but important considerations, let's go shopping.

Auto Insurance Quote

2006-10-25T20:21:00.000-07:00

Car Insurance Coverage What Kinds are There There are five basic types of auto insurance coverage: bodily injury liability, property damage liability, medical payments, uninsured and underinsured motorist coverage, and comprehensive and collision insurance, a two-part coverage which covers physical damages to a vehicle. Although they have big names, most car insurance coverage is self-explanatory and can be figured out in the name of the coverage. Bodily injury liability will pay for any claims made involving bodily injuries caused in an accident, while property damage liability will pay for damages caused to another person's vehicle – or property - in the case of an accident. Medical payments will cover the medical bills of anyone in the policyholder's car or any passengers in that car so the costs don't come out of pocket. Underinsured and uninsured motorists, will save a lot of worry and hassle if involved in an collision where the person who hit you does not have any or has insufficient insurance coverage. This type of insurance coverage, which in most states only covers bodily injury losses - protects a driver from other drivers who might be negligent. The final portions of insurance coverage, collision and comprehensive, will help pay for physical damages to your vehicle. Collision means when or if you are involved in a car wreck, any damages caused to your vehicle, like broken headlights or a dented side panel, will be replaced by the insurance company and not from your pocket. Comprehensive covers things like a broken or cracked windshield or natural disasters, such as storms, earthquakes, fires, and other non-collision oriented accidents. Which state you live in will determine the types of car insurance coverage that you will have to have on your policy. Most states require at least liability insurance at a minimum, and many make sure auto owners have insurance before drivers can even register their car with the state. Still other states use a type of system which doesn't inquire about insurance until drivers have gotten a speeding citation or has been involved in an accident. Determining which kind of car insurance is right for you depends on the situation. If your car is worth a lot of money, you will most likely need a higher amount of insurance coverage. The premium will also be higher if the insurance company is expected to pay a lot. The second part of insurance that you'll have to decide on is a deductible. Generally ranging from $50,000 to $250,000, insurance plans have deductibles that are on average about $500; this will limit how much you pay out of pocket before the insurance coverage will take over. You can set your deductible as high as $1,000 to keep your payments down or set it as low as $200 to keep out of pocket expenses down, depending on your insurance company's regulations. The most important types of insurance coverage are collision and comprehensive so there is some protection in case involved in an accident where your vehicle is damaged or completely totaled. That way no matter what happens, you will most likely always have some sort of protection. How Much Car Insurance Should You Buy? Car insurance isn't very exciting. Depending on which state you live in, it could be a smaller or larger piece of your budget than your neighbors across state lines. How much insurance should you buy? Any insurance agent worthy of their salt will tell you that you should buy as much as you can afford. While this is a good rule of thumb, it's about as useful as a stock broker's tip to buy low and sell high. It might be sound logic but it doesn't get you any closer to an educated decision. There are a few filters that need consideration in order to make that educated decision. First, what is the state required minimum coverage where you live? Second, what does the minimum cover? Third, what other coverage is available and can you afford it? And fourthly, what are you protecting? What is the minimum for your state? You can get up to date state minimum requirements by following this link and selecting your state. State-By-State Requirements (validated June 2006): State Type(s) of Coverage Required Minimum Liability Limits* AL Bodily Injury and Property Damage Liability (effective 6/2000) 20/40/10 AK Bodily Injury and Property Damage Liability 50/100/25 AZ Bodily Injury and Property Damage Liability 15/30/10 AR Bodily Injury and Property Damage Liability 25/50/25 CA Bodily Injury and Property Damage Liability 15/30/5 CO Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/15 CT Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist 20/40/10 DE Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/5 DC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10 FL Property Damage Liability, Personal Injury Protection 0/0/10* GA Bodily Injury and Property Damage Liability 25/50/25 HI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10 ID Bodily Injury and Property Damage Liability 25/50/15 IL Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/15 IN Bodily Injury and Property Damage Liability 25/50/10 IA Bodily Injury and Property Damage Liability 20/40/15 KS Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10 KY Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/10 LA Bodily Injury and Property Damage Liability 10/20/10 ME Bodily Injury and Property Damage Liability, Uninsured Motorist, UnderinsuredMotorist 50/100/25 MD Bodily Injury and Property Damage Liability, Personal Injury Protection (may bewailed for policyholder but compulsory for passengers), Uninsured Motorist 20/40/10 MA Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/5 MI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10 MN Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured and Underinsured Motorist 30/60/10 MS Bodily Injury and Property Damage Liability 10/20/5 MO Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10 MT Bodily Injury and Property Damage Liability 25/50/10 NE Bodily Injury and Property Damage Liability 25/50/25 NV Bodily Injury and Property Damage Liability 15/30/10 NH Financial Responsibility Only, Underinsured Motorist 0/0/25* NJ Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 15/30/5 NM Bodily Injury and Property Damage Liability 25/50/10 NY Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10 NC Bodily Injury and Property Damage Liability 30/60/25 ND Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/25 OH Bodily Injury and Property Damage Liability 12.5/25/7.5 OK Bodily Injury and Property Damage Liability 10/20/10 OR Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10 PA Bodily Injury and Property Damage Liability, Medical Payments 15/30/5 RI Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25 SC Bodily Injury and Property Damage Liability, Uninsured Motorist 15/30/10 SD Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25 TN Bodily Injury and Property Damage Liability 25/50/10 TX Bodily Injury and Property Damage Liability 20/40/15 UT Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/15 VT Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist 25/50/10 VA Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/20 WA Bodily Injury and Property Damage Liability 25/50/10 WV Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/10 WI Financial Responsibility Only, Uninsured Motorist 0/0/10* WY Bodily Injury and Property Damage Liability 25/50/20 *The first two figures refer to bodily injury liability limits(which are not required in all states) and the third figure refers to the property damage liability limit. For example, 20/40/10 means coverage up to$20,000 for each person injured in an accident, up to a maximum of $40,000 forth entire accident, and $10,000 worth of coverage for property damage. These state minimums are based on the most current information available. In addition, some states are "no-fault" states which additionally require Personal Injury Protection, a.k.a. PIP. You should check your specific state's requirements to verify these figures. What do the minimums cover? Now that you know what your state requires, what are you actually covered for once you purchase the minimum? Using the coverage definitions that follow, find the types of coverage required and see what your state says is the accepted minimum. Coverage Definitions Bodily Injury Liability covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it's good idea to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy. Comprehensive Physical Damage Coverage Covers your vehicle, and sometimes other vehicles you maybe driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy. Collision Coverage covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy. Medical Payments covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault. Coverage is limited to the terms and conditions contained in the policy. Uninsured Motorist Coverage covers bodily injuries to you and your passengers when the other person has no insurance or not enough insurance in a crash that is not your fault. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance. Coverage is limited to the terms and conditions contained in the policy Personal Injury Protection Coverage covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on first-party basis, without regard to fault. It is only available in certain states. Property Damage Liability covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy. Rental Car Reimbursement covers renting a car if your car isn't drivable or while your car is being repaired because of a covered accident. What else is available and can you afford it? Did you come across a coverage and think, "I need that but it isn't required by state law" when you were reviewing the coverage definitions? Chances are you did. Can your budget afford the additional expense of these protections? Or maybe more to the point; can you afford NOT to have these additional protections? At CarInsurance.com it's easy to get multiple quotes all with a click of your mouse. And during the quoting process, it's simple to add or remove coverage to see how additional coverage will affect your budget. You can learn more about Insurance Coverages by following this link. What are you protecting? What assets need to be protected from being plucked away if you cause injury or damage? A) Your car itself. If this is a significant asset, or at least the bank you owe money to thinks so, then you will need comprehensive and collision. B) Your net worth. Do you have an enormous net worth to protect. If so, either get it out of your name and into a trust or buy all the insurance you can. If you have little or nothing to protect, then you can get by with less and still be financially responsible. However, after you determine how much protection to get, always ask how much more it is for the next level higher. Very often, you can get significantly more coverage for very little cost. Car insurance isn't flashy. There is no "wow" factor and the opposite gender isn't going to be impressed by the size of your policy. But not having enough can be the difference between financial stability and financial ruin. For what its worth, CarInsurance.com finds financial stability incredibly appealing. Disclaimer: This article is for information purposes. It should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. This information is provided for information purposes only. Paying Damages Made Easy Through Auto Insurance Nowadays, life threatening events are always present. We may never know when these occurrences would hit us. Along with following safety rules and abiding the law, we also have to insure ourselves from the possibility of engaging in an accident. Acquiring auto insurance would give us the aid we need in case of future misfortune that might happen. This would be of great help in providing you certain assistance on financial basis of the obligations you'll be faced when paying for the damages caused by the event. Auto Insurance • Serves as your safeguard from financial deficit in case of a car accident. • It is a treaty between the concerned party and the insurance company wherein there is an agreement of paying the premium and the insurance company in return will pay the losses which resulted from the accident. Coverage of auto insurance 1. Property – the insurance company is entitled to pay the damage caused by an accident or if there's an incident of theft. 2. Liability – if there are others involved in the accident, the insurance company will cover the expenses of your legal obligations. 3. Medical – in case of hospitalization, medications or funeral expenses, the insurance company will take over with the cost. Different Liabilities covered by an auto insurance policy 1. Bodily Injury – this covers both the damage caused to family member and other parties as well. In case of driving somebody's car, you and your family which are listed on the insurance policy are also covered. 2. Medications or PIP (personal injury protection) – this covers the needed medication and rehabilitation of injured driver and/or passengers of the insured car. Funeral expenses are also included in the coverage. 3. Property Damage – this includes damages caused to someone else's property such as cars, telephone poles, buildings, etc. The insurance is responsible in paying the damages the accident had caused. 4. Collision – if your car was damaged by an accident involving another car or object, or an occurrence that made your car to flip over, then the coverage will pay for the damages caused depending on whose fault it was. 5. Comprehensive – this coverage entitles you of reimbursements in case of thefts or damages on your car caused by some external factors more than that of a collision. Examples of which are environmental calamities, national catastrophes, etc. 6. Uninsured Motorist (or underinsured) – if in case you were hit by an uninsured driver, this entitles you of a reimbursement of the cost of damages acquired. This is helpful if the at-fault party involved inadequate insurance to compensate with the damages he/she had caused. Choosing the right insurance company • The company should be licensed to operate. You could ask for help through your government insurance department if the insurance company fails to help you in paying the damages. • Take into consideration the cost of the insurance. There are a lot of insurance companies which offers same coverage with low cost. • Check the financial solidity of the company. The reason behind you buying auto insurance is to provide you peace of mind on financial obligations in case of accidents. The company should have proven its reliability in offering good service. • The company with its representatives must give quality service in attending with their customer's needs. They must treat every questions and claims fairly and proficiently. • The company must provide comfort to its consumers. Its accessibility to its customers must always be the priority to avoid misleading or having the wrong impression about the company's service.

Auto Insurance Quote

2006-10-25T20:16:00.000-07:00

Cheap Auto Insurance Most people complain about the cost of their auto insurance --hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money? If you own a car and drive it, going without insurance is generally not an option. In most states, you are required by law to purchase a minimum amount of liability coverage. And you should probably have more than just the bare minimum if you want to provide yourself with adequate protection. There are steps you can take, however, to reduce your auto insurance costs without having to cancel your policy. Some or all of these steps may be appropriate for you, depending on your circumstances. Specific ways to save money on auto insurance: 1. Shop around. One of your first steps should be to shop around. A particularly good time to investigate your alternatives is when your current policy is about to be up for renewal, especially if you find that your premium has gone up. You may be surprised to learn that auto insurance premiums for the exact same coverage on the same car can vary widely (by hundreds of dollars) between different insurers, even in states that regulate auto insurance rates. 2. Increase your deductible. For many people, raising the deductible on their auto insurance is a good way to cut the cost of the policy. Sometimes you can reduce your annual premium by 10 percent or more if you increase your deductible from, say, $250 to $500. If you do this, however, make sure you have the financial resources to handle the larger deductible when the time comes. 3. Keep an eye on your credit report. Your credit history is an important factor for most auto insurance companies. Many studies have shown a correlation between your credit history and the risk to an insurance company. Paying your bills on time and maintaining a good credit history will allow you to enjoy lower auto insurance rates. 4. Drive less. If you drive less than a certain number of miles in a year (e.g., 7,500), you may qualify for a low-mileage discount. If your insurer offers this discount, try to limit your driving as much as possible. If you commute to work, use public transportation instead of driving. When you go away on vacation, fly or take the train. 5. Don't use your car for business purposes. Since work-related driving generally subjects you to higher premiums than pleasure driving, it may be in your best interest to stop using your car for business purposes. 6. Drive more safely. You may be eligible for a price break on your policy if you maintain a clean driving record for a specified period (usually three years). A clean driving record generally means no accidents, moving violations, drunk driving convictions, etc., during that period. The best way to qualify for the applicable discount is to drive carefully and defensively at all times. 7. Buy a low-profile car. Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance, flashy vehicles are classified as higher risks because they are common targets for thieves and vandals, and because statistically, the people who own them tend to drive more recklessly. If you own such a vehicle, you will likely pay a higher premium than if you owned a station wagon, sedan, or other low-risk vehicle. 8. Move. If you live in a rural community with little crime and traffic congestion, your premium will generally be lower than if you live in an urban area where your car is more likely to be stolen, vandalized, or involved in an accident. Granted, you shouldn't move just to cut your auto insurance costs. However, this may be one of many factors in your decision if you're thinking about relocating from the country to the city. 9. Keep your car in a garage. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction. 10. Have safety/anti-theft devices installed. You may receive discounts on your insurance if your car is equipped with one or more of the following options: anti-lock brakes, automatic seat belts, and airbags. Similarly, anti-theft devices such as car alarms and tracking systems (e.g., Lojack) may also get you a discount because they reduce the chances of your car being stolen or vandalized. 11. Inquire about multifamily/multipolicy discounts. You may receive a discount from your insurance company if you buy more than one type of insurance through that same company (e.g., auto and homeowner's). A discount may also apply to your auto insurance if you insure multiple cars under the same policy or with the same company. 12. Other discounts Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.

PAINTLESS DENT REMOVAL | NEWS: Best vehicle for Paintless Dent Repair Techs

2006-05-17T22:16:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS: Best vehicle for Paintless Dent Repair Techs Autos I have my own opinion, but lets put this to a vote: email: brian@nodents.com and in the subject put (pdr vote) and then in the message let us know what YOU think is the best vehicle. The email that is chosen to be the most descriptive will win a free 6" paddle tools (yes, newbies, thats a whaletail) Now- here is MY vote: (no, Im not voting for a powerstroke F250 4 door with 33"s and 12" bodylift. Sorry. Cool truck, but Im about profits, and at $3.50 a gal, that baby would cost me over $75 a day. No thanks. My vote: I say a 1994-1998 Honda Civic Hatchback. Car care Dont laugh- my buddy is a PDR Tech for Mercedes and He drives one (has for over 8 years) and gets about 38-40 mpg highway (better than a hybrid on the hwy, kids), and its runs fo evah. Never needs service, and he beats it to the ground, Heck, MB gives him a lease plan that he could easily drive a ML or e class for $200 a month. know what? He says: nah. Ill drive the civic. Sucha cool dude. Now go push some money. Cars

PAINTLESS DENT REMOVAL | NEWS: Best way to fix a scratch QUICK

2006-05-17T22:05:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS Paintless Dent Repair Tools Doesnt happen often. Heck, most dents nowadays dont even have chips. BUT, if you want a Paintless Dent Repair Secret tip here, here goes: A) How to repair a scratch (when hopefully also making good money doing a dent!) Paintless Dent Removal Tools 1) IF the scratch has NOT permeated the clear coat into the base coat (use your fingernail and see if it catches an edge) then you are on easy street. 2) Take some compound and rub vigorously along the scratch (ALONG, not cross wise). If you dont have results, you can either wetsand with 1000/1200/1500 or 2000, or, 3) Take some clear coat (brushable or airbrush) and apply the clear along the scratch evenly. Either leave, or come back once cured and wetsand/buff. The clear should only be used when the scratch is so deep that polishing is not an option. ps- try to get a few bucks for doing the scratch too..dont forget, gas is getting expensive! Paintless Dent Removal Now go push some money!

PAINTLESS DENT REMOVAL | NEWS: Who needs work?

2006-05-17T21:53:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS: Who needs work? Paintless Dent Repair This is one call I NEVER get: " Hey- I/we need some dent work. Do you have any?" This NEVER happens. Why? The answer is obvious. There is ALWAYS more work than there is TECHS. A simple supply vs. demand equation, and luckily for all the Paintless Dent Repair techs out there, the scales have been tipped their way since the beginning of Paintless Dent Repair Time. The only call I ever get that is remotely related to Paintless Dent Repair Techs looking for work, is Paintless Dent Repair Techs calling for "better work". Huh? Lemme splain to you, Lucy: A) lets say you are a hail tech, and you are making $1200 a day pushing out quarter sized dents, and your average work day is 10 hours. 2) Now, your buddy, lets call him Fred Mertz, is telling you that across the state He is making $2200 a day pushing out easy nickel sized dents, and he is working only 8 hours a day. 3) Wait, hold the horses. Now, You get ANOTHER call, and lets say its from your friend, Ethel. Ethel tells you shes is getting only $600 a car. Boo hoo. Oops..forgot one thing-her cars only take on average 1.5 hours to do, and she is doing 5 a day. Paintless Dent Repair Tools Dont laugh..this scenario has happened many a time,(with different named techs, mind you) and I get the call when techs have heard there is something better across the river (Grass is always greener ya know.) So, moral of the story: Paintless Dent Repair techs make way too much money. Im serious! Its TOO easy! Thank God Im a Paintless Dent Repair Tech. Now go push some money.

PAINTLESS DENT REMOVAL | NEWS- are small dents profitable?

2006-05-14T00:06:00.000-07:00

PAINTLESS DENT REMOVAL So are small dents profitable? Are you kidding me? Can you make good money pushing out small, little door dings? Serious? Can you make a good living, either part time or full time getting little dents out? PAINTLESS DENT REMOVAL SHUT UP!! YES!!!!!!!! YOu CAN!!!!!!!!! 1) Here is some simple math: A) Push out 4 dents, at $50 each= $52,000.00 annually. That could EASILY be done part time. Try this one on for size too: 1) Push out 8 dents, at $50 each (one dent per hour- can you handle that!?) PAINTLESS DENT REMOVAL Thats $117,000.00 annually. I doubt you would hardly break a sweat doing ONE DENT PER HOUR-GEEZ So, for those who dont like #'s, that was the math to answer the question- "Can you make good money pushing SMALL dents out.." Have a nice day. PAINTLESS DENT REMOVAL

PAINTLESS DENT REMOVAL | NEWS- What cars are easy..and what are not

2006-05-13T23:12:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS- What cars are easy to repair in general..and what are not. So your just outta school, and looking to build your PDR business portfolio- So what cars should you target it possible, or, what cars should you look forward to Paintless Dent Repair-ing.. Here is a little list of cars that, in general, are easier to Paintless Dent Repair than the remainder of the bunch. And in case you have an opinion, drop us an email and we can change the results if we need to (doubt it though!) 1) Merecedes. By far the best metal on the planet. They have their own foundries and their metal has the lowest content of iron, making it very maleable. 2) Volvo. Yeah their safe, and the sheetmetal is thick, but it is very similar to mercedes, and, access is very open. 3) Toyota. Thank God these cars are relatively easy, cause there are ALOT of them out there! Decent metal, nice access, and if drilling is required, no big surprises. PAINTLESS DENT REPAIR BOTTOM 3 1) Chrysler. More braces than the entire sophmore class in the UK- And the glue on those braces is harder than diamonds. Result- crap. 2) Jaguar (pre-1999) Tight, and I mean TIGHT braces, aluminum, and add glue, and youve got some crappy cars. 3) Hyundai. YOu can add Kia and other Korean cars here if you like. Worst metal on the planet, odd braces in weird areas-these cars SUCK! There you have it- the top and bottom 3 cars for Paintless Dent Repair! PAINTLESS DENT REPAIR

PAINTLESS DENT REMOVAL | NEWS- How to avoid breaking glass

2006-05-12T22:37:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS- How to avoid breaking glass

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So your a tech, or wannabe, or you just bought some tools off us (Thanks) and you heard from another tech that you can break glass (side door glass) if you are not careful. Yes its true. The average DW (Dent Wizard tech) Im told breaks 2-3 side glass pieces per year, and after that DW makes the tech pay for it out of his/her pocket. So, how to avoid it? 1) NEVER push on dual paned glass for one. Mercedes S class, Lexus LS and others now coming to market. Be careful-look at the top of the glass partially rolled down, and if it has two panes, avoid it. 2) Always use your glass protector! 3) Never insert a window wedge without the glass protector in FIRST! Thats it! Happy pushing!

PAINTLESS DENT REMOVAL | NEWS. Money in dents?

2006-05-12T22:31:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS. Money in Dents????$$$$????$$$$????$$$ Let me pose this question: 1) What other trade, business, job etc., can you enter into for under $5-6k, go through training for 1-3 weeks, practice a bit, and be well on your way to Six figgies in the same freakin year? I CHALLENGE anyone who can respond back to this post with an alternative. YEah I know you can sling rock or other illegal substances, but Im talking REAL, legal work... go ahead..try it. I know guys who have less than a 6th grade education and cant spell their middle name making over 10 grrrr per month, and working less than 35 hrs per week too, kids. Good luck. I dont think there is anything else. Happy Pushing!

PAINTLESS DENT REMOVAL | NEWS and tips

2006-05-12T22:22:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS, tips and secrets Ok- many techs both old and new ask me what is the best tap down for Paintless Dent Removal

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Here are the choices, and some are more recent than others: 1) Plastic 2) Wood 3) Metal 4) Leather 5) Rubber Now I havent used all the above, but I will comment on those I have put my hands on and info from other techs who have tried the others- 1) Plastic By FAR the most popular Paintless Dent Removal tap down of choice. Usually doesnt scuff the paint, can be used raw and is good for general tap down duties. 2) Wood Old school, works and usually will not scuff, but may scuff repainted cars, and tends to mash down after a few uses and requires replacement or sharpening. 3) Metal IN 1991 when I first started, we used nail sets with electrical tape for our tap downs. They worked great for sharp highs, but if you lost the tape you were chipping the paint quickly. And re-taping the tap down constantly is tedious. 4) Leather This works, but is best for soft highs or ridge high spots. Will not work on sharp highs 5) Rubber Never used it, heard it bounces and doesnt transfer much energy to tapping down, but rather recoils and wastes time. So there you have it! I recommend plastic, but a metal one is a nice one to have for those SUPER high -high spots! Happy pushing!

PAINTLESS DENT REMOVAL | NEWS| SALLIE MAE STUDENT FINANCING GETS RIPPED!

2006-05-11T23:13:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS| SALLIE MAE STUDENT FINANCING GETS RIPPED!

This Article brought to you by Superior Auto Institute, the Paintless Dent Repair Training Schools

SALLIE MAE Financing for student loans gets RIPPED on 60 Minutes.. IN short, 60 minutes went on to basically say that students can get better, less expensive loans from private institutions than Sallie Mae.. here is a recent excerpt on the subject: allie Mae received the full “60 Minutes” treatment Sunday night, in a segment that highlighted criticism that the student loan giant profits on the backs of students and taxpayers.

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The issues raised in the segment (some highlights of which are available on the CBS show’s Web site) wouldn’t surprise anyone who has kept an eye on student-loan debates over the last decade. But by focusing on individual borrowers, the show put human faces on the issues — and reached many millions more than the reports that policy analysts regularly release on loan policy. The show gave several examples of borrowers who were shocked to find how much greater their loan repayments were than the sums they borrowed. Each of these borrowers also had various difficulties that the show portrayed Sallie Mae as being “unforgiving” in handling. One student found himself unemployed, another was diagnosed with an illness, and a third lost his home in an earthquake. Sallie Mae was described as refusing to help these borrowers, one of whom helped create a Web site, Student Loan Justice, that criticizes the lending industry. One expert interviewed by Lesley Stahl described student borrowers as being “served up like turkeys at a Thanksgiving dinner.” The show also made hay of the fact that the company’s chairman and former chief executive, Albert L. Lord, has been highly compensated and is building a personal golf course. Officials declined to be interviewed on camera, and provided CBS with written answers to questions. The show was the subject of speculation by student aid experts in the last week, and anticipation grew when Sallie Mae sent out a memo to colleges about the pending show and sharing the written answers it gave to “60 Minutes.” “With nine million borrowers, it is disappointing that ‘60 Minutes’ chose to spotlight three of our former customers who have not repaid their taxpayer funded loans. It certainly does not reflect the experiences of the vast majority of our customers, who have had the opportunity to attend your schools and fulfill their dreams of obtaining a college education,” said the letter from Sallie Mae to its clients. In an e-mail response to a question about the show, Martha Holler, a spokeswoman for Sallie Mae, called it “a one-sided and error-filled attack.” She said that Sallie Mae educates student borrowers on “their rights as well as their responsibilities,” and provides them with “all available repayment relief and flexibility available to them under the law.” She said that Sallie Mae has created and supported programs to help borrowers “in times of difficulty.” She noted as examples Sallie Mae’s creation of interest-free financing for those affected by Hurricanes Katrina and Rita, a fund created to help borrowers in families of those killed on 9/11, and a new program to help borrowers with serious illnesses or disabilities. From a policy perspective, the show questioned whether the student loan system is rigged in Sallie Mae’s favor because of the payments it received from students who repay loans, from the government for defaulted loans, and from agencies it owns that profit from collecting student loans. The show also noted the significant contributions that Sallie Mae and its employees have provided to members of Congress who write student-loan legislation. “Sallie Mae gets to play every hand at the poker table,” Elizabeth Warren, a Harvard Law School professor and an expert on bankruptcy, said on the show. Stahl said that several government reports had found that the direct lending program — in which colleges provide loans directly to students rather than involving private lenders — is more efficient than the guaranteed loan program in which Sallie Mae is the market leader. Direct lending, first enacted during the Clinton administration, has been praised in some reports by independent agencies as costing much less than the programs involving private lenders, although direct lending has also faced plenty of criticism and has seen its share of the loan market drop. The answers provided by Sallie Mae on this question cited reports about the costs of the direct lending program. Sallie Mae also took issue with the “60 Minutes” contention that it benefits in any borrowing scenario. Sallie Mae said that it takes on real risks that students may default, and that the company does best financially when students repay on time, so that its interests and those of borrowers and the government are aligned."

PAINTLESS DENT REMOVAL | NEWS| TEXAS HAIL DAMAGE

2006-05-11T23:08:00.000-07:00

This Article brought to you by Superior Auto Institute, the Paintless Dent Repair Training Schools

Ok- IF you live in the BIG state, and push hail, it is ON for you, my man! areas recently hit: 1) AUSTIN (nickel to baseball sized hail-4 storms) 2) SAN ANTONIO (dime to half dollar- 3 storms) 3) LUBBOCK (nickel to quarter- 1 storm) Stay tuned as we are forecasted to have MORE hail in the next 24-48 hours!

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PAINTLESS DENT REMOVAL | NEWS: Dent Wizard hack photos

2006-05-10T22:15:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS: Dent Wizard hack photos

This Article brought to you by Superior Auto Institute, the Paintless Dent Repair Schools

So many of us Paintless Dent Removal Techs know and somewhat respect the worlds largest Paintless Dent Repair company. Are they always professional? No. Are they good for business in general? No. Do they want to run the Paintless Dent Repair market and force all others into the unemployment line? Yes. Hell yes. So thats why many of us non- Dent Wizard tech types continue to expose their weaknesses. You would think a company that is owned by Manheim Auctions and Cox Communications (A publicly held company) would manage a tighter ship..they dont (Thankfully). Here are some snapshots of a 6 YEAR Master Tech at one local auction- Note- These photos would challenge my most struggling tech student that I have seen in some years. Funny thing is, there were holes. Now Dent Wizard will tell you they do NOT drill. Nevermind they give out a drill and hole bit to all new technicians after schooling..that isnt for drilling, huh.. :)

And this was one car of MANY... This poor Eclipse never even had a chance. The dent is volcanoed all around and the center was never even kissed. The tech really struggled with 3 dents all around this car, in and out of braced areas. So, moral of the story-dont worry about the Wiz or any other tech- Applied properly, you can smoke just about anyone.

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PAINTLESS DENT REMOVAL | NEWS- HAIL IN THE BIG STATE

2006-05-08T08:21:00.000-07:00

TEXAS GETS A POUNDING!! Hail damage prevalent! NORTHERN, CENTRAL AND SOUTHERN TEXAS all got hit something good. Much of it was severe, but there are alot of areas that had medium to minor damage (perfect for Paintless Dent Removal) and there is already a shortage of good techs!) We are looking for available hail techs- if you have significant experience (can push BIG hail) and are ready to make $$ call us toll free at 888-992-3464. We are currently looking for techs to work in the following states: 1) Texas 2) Missouri 3) Oklahoma 4) Iowa Happy pushing!

PAINTLESS DENT REMOVAL | NEWS-1ST WAVE OF 2006 HAIL INCOME REPORTS

2006-05-04T22:13:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS-1ST WAVE OF 2006 HAIL REPAIR INCOME REPORTS Well here it is- We are only officially in our first month of the 06' Hail Repair Season, and here are some recent reports for Paintless Dent Repair Hail Techs from March/April: SOUTH EAST Ranging from $300 per car (average 4 cars per 8 hour period repaired) to $2200 per single car repaired in 8 hour period. Peak was $6800, low was $150. MIDWEST Ranging from $250 per car (average 4 cars per 8 hour period repaired) to $2900 per single car repaired in 8 hour period. Peak was $4600, low was $200. NORTHEAST Ranging from $600 per car (average 3 cars per 8 hour period repaired) to $2100 per single car repaired in 8 hour period. Peak was $7400, low was $350. Consensus was that most techs are exceeding the ever-wanted $1000 daily income, and it appears the damage is rather large (averaging quarter sized) but fewer than 30 dents per panel, netting faster than average repairs and easier days! Stay tuned for more hail repair site-specific reports coming soon

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PAINTLESS DENT REMOVAL | NEWS- WE NEED HAIL TECHS!

2006-05-03T23:57:00.001-07:00

PAINTLESS DENT REMOVAL | NEWS- WE NEED HAIL TECHS! Well it is official- we have now completely run out of techs for the season, and there is reportedly enough work through summer and possibly Christmas in many areas. If you are a tech looking for work please email us at brian@nodents.com. Be sure to leave a daytime contact # and any related experience if we miss your call. Stay tuned as we will soon have some hail report info for current rates and success stories!

PAINTLESS DENT REMOVAL NEWS | Hail torments Texas Today, April 29th, 2006

2006-04-29T18:36:00.000-07:00

GAINESVILLE, Texas - Storms battered eastern Texas with wind up to 100 mph and hail the size of baseballs, damaging parked airplanes at an airport.

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"When you have winds from 80 to 100 mph it can do damage similar to that of a tornado, ...That can do some very, very big damage."

No major injuries were reported in the storms late Friday and early Saturday, authorities said.

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Hundreds of homes and businesses were damaged, and some areas still lacked power Saturday afternoon, said Kay Lunnon, spokeswoman for the city of Gainesville, near the Oklahoma border. Hangars were damaged at the Gainesville Municipal Airport, and the high wind shoved airplanes parked outside, said Airport Director Matt Quick. About 15 planes were damaged at the airport, where about 70 aircraft are based, Quick said. To the south in Waco, the storms destroyed a home and damaged other buildings, authorities said. Two homes were damaged in Coldspring, north of Houston. No injuries were reported in either place, and the weather service did not confirm that tornadoes caused the damage.

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About 4,000 customers lost power in the Houston area, where streets flooded but no serious damage was reported, authorities said. In Liberty County, northeast of Houston, officials reported damaged homes, cars and more. It appears this area is perfect for Paintless Dent Repair Hail income!

PAINTLESS DENT REMOVAL NEWS | Ever scratch a side window glass while removing a door ding?...

2006-04-28T22:27:00.000-07:00

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PAINTLESS DENT REMOVAL NEWS | Ever scratch a side window glass while removing a door ding?. Well it does happen. If you are in a hurry and dont use your glass protector, you might be in trouble. Even worse, you can break the glass!!! (ps-ALWAYS USE YOUR GLASS PROTECTOR!) Ok-lets go easy on you. Lets assume you were jsut in a hurry and it happened, and we have it now and have to deal with it. There is a possible solution outside of replacement (ouch!) 1) Polish the glass like you would colorsand. Yes, 1500 paper and compound might do the trick. HINT- IF you can feel the scratch with your fingernail, move on..this wont do it. 2) There are glass polishing kits (micro polishers using die grinder and scotchbrite pads) that might do the trick for you. Janvil products (on the web) can do the trick...try them out if you need to! Moral of the story- USE A GLASS PROTECTOR!~ Heck, callus 1-888-992-3464 we have the best one in the industry-super thin, and flexible and its only $19.95 plus shipping. Happy Pushing!

PAINTLESS DENT REMOVAL | NEWS Hail money versus route money

2006-04-27T23:02:00.000-07:00

PAINTLESS DENT REMOVAL | NEWS Hail money versus route money I am dedicating this blog to the pro and con discussion of hail repair versus route money. Any comments as always are invited!

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PRo's to being a hail tech: 1) Better daily income potential due to higher repair invoice 2) short season (usually) 3) more income from less resources Cons to being a hail tech: 1) Sleep in motel beds and other sleep quarters most of the year 2) Long hours (daily) 3) Intense physical work 4) Price whoring by other Hail wannabe techs 5) travel 6) Uncertain annual income PRo's to being a route tech: 1) More consistent daily income due repeat clients 2) annual season (sunshine states) 3) more income from more resources (more stability) Cons to being a route tech: 1) Lower annual income (usually) 2) More competition for local accounts (usually) 3) Longer repair season (Annually?) You can see both have their benefits and detriments. I would like to hear other comments on this one- Anyone have an opinion? Email brian@nodents.com Happy pushing!

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PAINTLESS DENT REMOVAL-what are certified cars and why the PDR Marketer should care

2006-04-26T21:09:00.000-07:00

PAINTLESS DENT REMOVAL-what are certified cars and why the PDR Marketer should care IF you are a professional Paintless Dent Repair Marketer, or want to be, take note of this Paintless Dent Removal article. Certified cars. What are they? Many of the major factories found out that many of us consumers do not trust used car salesman and dealers. So they devised the certified car program, whereas the car is guaranteed to have certain criteria. The dealer pays the factory money to have each car certified, and the consumer also pays more, but in the end they are supposed to have a better product. Usually included in this scheme is dent removal and cosmetic repairs, that is, the car is guaranteed not to have dents..(this is where you come in). So, when you are selling your service, working the certified program back at the dealers and checking their lot to make sure they are doing the same is a great angle. Here is another: Car auctions are also getting into the certified game. They want their customers to also have the same peice of mind when buying their products, and also are now reconditioning and certifying certain vehicles that meet the criteria that they each set forth. Can you see the advantage for yourself? Of course you can- you can also market your services to these people as well. They pay the auctions a bit more to have the certified moniker on each car (alot less than dealers pay the manufacturer by the way) and buyers (Dealers) traditionally pay quite a bit more for cert vehicles. Here is an example that might surprise you- A recent study was conducted for a major vehicle finance company via a third party research entity, and they determined through extensive onsite studies at auto auctions that the average (AVERAGE) price deduction for a car with cigarette smoke is $550. That means for a car that stinks of cigarettes, the dealers pay, on average, $550 less than if it didnt stink of ciggies. Wow. Imagine what they discount for dents, or certified vs. non certified. Dont worry-the studies have been done, it is measureable, and it is significant. So- the moral of the story is this: On the retail level, clean cars bring more money. On the wholesale level, clean cars bring more money. See a common denominator here? Use this information and make more money people.. Happy pushing!

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PAINTLESS DENT REMOVAL | What the heck is going on!?

2006-04-24T17:29:00.000-07:00

PAINTLESS DENT REMOVAL | What the heck is going on!?

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I dont know about you (I really dont!), but the weather is going nutso-butso! We have some of the most incredible (bad for many) weather coming, and we already are breaking records like no other. Example: over 70 tornados (and alot more hail storms) in just 2 weeks. Hundreds of areas hit, North, South, East and West, it is coming down and causing havoc everywhere. Everyone is going crazy..but a few people are go crazy-happy. You guessed it- The PDR Techs! Paintless Dent Removal techs are making some of the best bank that they have EVER seen. I mean there are teams out there with techs making over $5000.00 per day. No I didnt say per month, per week, etc. DAY. $5000 daily, um, even at only 5 days a week....well now, that equals...SHEESH! $100,000.00 in a month!!! That is more than most people make in a year, and even more than most two person households, annually. Here is an example of the current conditions... Check out the heat maps in and around the midwest and the other areas!! We have a forecast for more frozen ice balls (frozen dollars balls) and this season is set to become a windfall for those involved..stay tuned.

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