wycetate


I have a point and click (digital) camera and need to take a digital picture showing “blurred” movement. Since I cannot afford to go buy a camera with manual focus, how can I adjust the shutter speed on my point and click? and without wrecking my current camera too!

forsakenabyss87


Kind of like a auto-subbing program that’s free?

windytown


Well, I play Grand Theft Auto: Vice City on PS2 and sometime while it’s loading (showing the color pics of random people with the load bar at the bottom) it just won’t load. It stops at the first slide and doesn’t continue. I take out the disc, clean it, and put it back in. It takes 40-50 tries to get it to work. Is there an easier way to fix it!?!

Bertie Kerslake




Acquiring and owning a car has become almost an inevitable necessity these days. But everybody cannot afford to by new cars. Such people often opt for used cars or nearly new cars. Also, it is not possible for every one to purchase a car paying the entire amount directly. There comes the significance of loans and such financing deals.

You will come across a whole lot of loan providers in the market nowadays. If you have decided to go for a loan so as to realize your long cherished car dream, look for the best deal available in the market before homing on to a particular car deal. One of the attractive offers that are being proposed by car dealers these days is zero percent finance on brand new cars.

A car dealer offering zero percent finance usually will be having a specific customer at mind. They offer it to individuals who can actually afford such an offer. For such deals, the customer needs to have a somewhat outstanding credit background. So zero percent car loan deal is something of a mere mirage to an ordinary client, for most probably an ordinary person is likely to have at least one blemish in his or her credit report. Usually it is to already existing customers that car dealers propose such deals. For new clients, they set up a standard for credit background such as income parameters, location of the customer, employment or business status, or even the assets that the customers own.

You might be asked to put down a pretty good deposit on zero percent deals. Don’t declare it as ‘unusual’ if at all you are asked to deposit as much as half the value of the car!! The balance is payable in the form of monthly installments with out ant interest hassles. As compared to regular credit terms that have interest, credit terms for zero percent finance are usually much shorter, generally below two years. This obviously implies that the monthly installments that should be paid will be some what sky high. But then with longer credit terms, the contract price tends to be higher because the interest rate is induced for a long period of time.

In case you are unable to pay your monthly installment of the zero percent credit term on time, as a penalty you need to pay a high interest rate. You also need to pay other penalty charges which make your deal much more expensive than what you could imagine.

Another aspect of zero percent car loan deal that deserves a special look is the fact that this particular financing is always restricted to certain makes and models of cars only and not to all models. Normally, these will be cars in stock that the dealers want to get rid off. If at all the model is okay with you, you may find it difficult to get the color and interiors of your choice with these zero percent car loan deals. You are supposed to be satisfied with what the dealer offers you, even if it is a brand new car.

Though not always workable for an ordinary customer, zero percent car finance is definitely a good marketing strategy that the business can employ to attract customers; and is definitely emerging as one of the most sought after car loan deals in the United Kingdom. The thing is that the zero percent car finance does work both for the car dealer and only those customers who can afford it.

lakings


I need help i have tried to delete a couple of searches that i typed in on google and when i try to click the red “x” it goes away. But when i go back and type google back in it shows up. Anyone know how to delete this.

Dennis J James




While most consumers never really bother to read the details of a window sticker, except to get a quick glance of the MSRP or to see the fuel economy ratings. What they don’t realize is that they are missing out on valuable information that could actually help them with their car buying decision. What consumers need to understand is that window sticker’s provide very important information that includes the vehicle’s manufacturer’s suggested retail price, and engine specifications. They also provide a comprehensive list of its standard and optional equipment. These statistics officially identify the car or truck for shoppers on a dealer’s showroom floor.

Therefore, if you really want to get more information on the vehicles window stickers, I have broken it down for you here. The window sticker is a wealthy resource of essential information about a new automobile. It lets you know exactly what’s included with any particular vehicle, as well as helping to ensure that you’re getting the exact options you’re paying for. New car dealers generally will sell a vehicle for somewhere between MSRP and its invoice price, which is usually higher than the dealer’s actual cost for the automobile.

There are exceptions: high-demand models could actually sell for more than MSRP, while less-popular vehicles could be coaxed away for less than the invoice price. Laws in most states require every new car to have a MSRP sticker on their vehicles and there are firm penalties for their absence to the dealers who don’t have these stickers on the window. That underscores the value of window stickers for the car shopper. Of particular value are several other pieces of vital information included with the manufacturer’s suggested retail price there are engine and transmission specifications; standard equipment, including warranty details; optional equipment; and fuel economy information.

The sticker will list and break down a cars standard features and its trim level. Most models come in two or more different trim levels, with higher-priced versions having more standard features such as upgraded engines and/or suspensions, larger wheels and tires, and an enhanced interior. Additionally the window sticker shows aggregated prices of all items in an options package will usually be discounted compared with buying each accessory individually. If this occurs, the applicable discount will be noted on the sticker. Even when an options group includes a factory discount, its transaction price is still negotiable at the dealer level.

The manufacturer’s warranty coverage is explained which tells you the number of years or months plus how many miles it’s covered for. Included will be a comprehensive coverage, which applies to parts and labor costs for covered repairs; power train coverage, which applies to such major mechanical components as the engine, transmission, and axles; corrosion coverage, which applies to body panels that have completely rusted through and may indicate that an extended warranty is available if a buyer wants additional coverage. (Extended coverage is usually offered in the finance office or asks your salesman for details). Additionally the window sticker supplies consumers with Fuel ratings and static’s that are calculated by the EPA. You can also find the vehicle identification number on the sticker, which you should always compare to the one on the drivers side windshield to make sure they match. Remember the MSRP is the suggested retail price for the car and every dealer in your region of the country has the same MSRP, it’s up to you to make the deal with your car dealer for what you pay.

A good word of advice, if the dealer has added additional charges to the MSRP, such as chrome wheels or window tint, they also need to have it listed next to the window sticker on a separate piece of paper called an addendum. If the addendum is not there then you do not need to pay for the add-on. Also, try to avoid the impulse of asking a dealer his best price while looking at the window sticker, because their answer will almost always be “the best price is on the window”.

Garland R


Looking for a project car to modify for show/strip/auto-cross usage. In terms of performance potential and aftermarket support, what is the best platform to start from with around $3,000 to invest into the purchase of the vehicle?

Jane Muder




If you’re in the market for a new car or truck, you are probably excited to choose the model, the paint job, and all of the accessories that come with the vehicle. However, your ability to finance the vehicle is just as important - if not more important - than all of the cool details and add-ons.

Most people opt to purchase a new car or truck through financing, which is the process of paying for a vehicle with loan installments. Financially, this is a much more manageable method of vehicle ownership than paying for a vehicle in one giant, multi-thousand dollar lump sum.

You can obtain a car or truck loan directly through your dealership of choice; through a bank, or through a private individual. Each method of payment comes with inherent risks and rewards (for example, loan rates through banks can be higher - but you might not have legal recourse, should there be an issue with a private or family loan). Before deciding upon a loan type, these risks and rewards should be weighed carefully.

For many Americans, though, the biggest risk factor when purchasing a new vehicle is whether or not they will actually be eligible for the loan in the first place. An individual’s credit score determines his or her credit-worthiness - this number will tell the lending institution whether or not that person will reliably make car or truck payments. The lower your credit score, the lower your chances are of securing a loan at an affordable rate. In fact, some people with especially bad credit scores might find that they are having trouble securing a loan in the first place.

What is a credit score, and how does it affect your ability to secure a new car or truck loan?

Kenneth Elliot wrote in the Mar. 21, 2008 edition of the American Chronicle, “…[T]he FICO score remains a primary tool for lenders. It may not determine the final decision, but it definitely influences the ‘first cut’ when presented with a stack of applications to approve or disapprove.”

FICO stands for the name of the consulting firm that developed standards for credit score calculation, the Fair Isaac Corporation. The FICO scoring rubric is the method most commonly used to determine an individual’s credit-worthiness. In the United States, credit bureaus or credit reporters analyze an individual’s financial past - debts, loans, utility bill payments, previous car loans or mortgages, and more - to determine whether he or she is a good lending risk. A FICO score ranges from 300 to 850. 850 is the highest credit score possible; individuals with high scores have little or no trouble securing loans. Conversely, credit scores near the lowest end of the FICO score range indicate individuals who are high-risk borrowers; these people usually have extreme difficulty managing their debts.

CNN Money reports that the average American carries over 9 thousand dollars in credit card debt. Late or missed credit card payments are one of the biggest factors that lower individual credit scores. Many people spend more money than they actually make, and become attracted to the allure of credit-based purchases — which seem like easy money at first. Those individuals with high debt-to-income ratios might not be able to afford monthly credit card payments. After a few months of missed or late payments, an individual might find that his or her credit score is surprisingly low.

The FICO credit score is determined by a sum of factors. Each factor of a person’s credit history is given a different weight in the final evaluation of his or her financial situation. When determining a credit score, the greatest weight is given to the individual’s debt and bill payment histories (Is he or she timely or perpetually late?) and the total amount of debt he or she carries. Less important - but still contributing to the final credit score - are an individual’s credit history length; the types of debts he or she carries, and how often he or she has applied for new credit. Individuals who make timely bill payments, who have established long credit histories, and who have demonstrated convincing abilities to manage debt often have the best credit scores.

Before you are eligible for a car or truck loan, you will be asked to supply your lending institution of choice - be it the car dealership, the bank, or a private individual - with some information about yourself. Information required might include complete contact information; a social security number; details about your mortgage or apartment lease, and employment records. The lending institution will turn your information over to one of three credit reporting agencies - Equifax, Experian, or TransUnion. The credit reporting agency uses the FICO algorithm to determine your credit score.

If your credit score is less than stellar, don’t despair. You might still be able to finance a new vehicle. Remember: You always have two options when it comes to pitting a bad credit score against stringent car or truck loan terms. You can work to improve that score, or you can shop around for lenders who are willing to work with you. However, if your credit score is good, then you are a preferred borrower, and you will probably be able to get loans with attractive (meaning low) interest rates. Go out there and get that new car or truck loan!

Barry Allen




A car is like a friend it can be by your side for ever if you treat it well. All it needs is good care and technology will take care of the rest. All you need to do it learn all you can about the car and its needs. If you make an effort you will save thousands of dollars in repair and maintenance costs. In general Japanese makes are reliable and need less care than American or European cars.

Here are a few tips that will help you take good care of your car:

1. Pay attention to what the maintenance manual recommends and create for yourself a reminder system that will tell you when a service needs to be done or a part replaced. While some things are based on mileage others depend on time used.

2. Create and maintain an emergency or repair fund. Try and put away small amounts towards unforeseen repair costs. In the long run saving to create a repair fund is easier that paying for a new car. Saving steadily will not startle you when an emergency arises.

3. Create a kind of cycle that will tell you to service the car, change oil, undertake anti-rust treatment, or to prepare the car for winter. If you treat the car right you will never have a breakdown or emergency. Keep an eye on what is known as the rust belt and nip any signs of rust in the bud and both the body as well as mechanical parts will stand you in good stead.

4. Be sure to read the car makers website as ell as forums and blogs devoted exclusively to the car model you own. These will help you keep abreast of new developments, news, views, and have access to free advice and help if and when any problem you can solve creeps up.

5. Keep an ear open to strange noises or tics. Develop a nose for new smells, unfamiliar running knocks and noises. As the owner you will develop the instinct that warns you when anything is amiss. Once in a while ask a friend or another car enthusiast to drive the car to judge how it handles. Learn to distinguish the normal from abnormal.

6. When any problem arises replace parts with quality parts and never resort to “quick fixes” these will just lead to deeper waters and not solve any problems. Interiors, electrical fixtures, chrome , and other accessories must be polished and cleaned just as you bath your kids or dogs. Always but quality parts and not parts that are less expensive. Stick to parts and replacements provided by the manufacturer.

Wash, wax, and polish will keep your car new and shining. Learn how to fight and deal with wear and tear especially that caused by weather changes. Always handle your car gently and treat the vehicle with respect. Follow road safety norms and rules and your car will probably out live you.

With good care your car will last well beyond 200000 miles and more. You will not just enjoy the convenience of a vehicle but save lots of money which will be spent on new cars or hired transport.