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Resetting the Dodge PCM

Some jobs can easily be done at home. All you need is a bit of guidance. Resetting the powertrain control module (PCM) is one such task.

So what exactly is a PCM? A PCM is basically an ECU or electronic control unit which is commonly used in a motor vehicle. Most often the PCM is a combination of an engine control unit or an ECU and the transmission control unit. The PCM controls more than five operations in a truck or car.

Let’s take the case of the PCM in a Dodge Durango. You will find the PCM on the passenger side or the right side of the engine. This is the SUV’s circuit board computer and it has been made to tolerate extreme climate changes.

The various components in the transmission, engine, powertrain and other functional areas transfer information to the PCM. If a malfunction is detected, the error indicator on the instrument panel lights up.

The point in question here is whether there is a need to reset the Dodge PCM and when, if at all.

Here’s how you reset the Dodge PCM. Once the car’s hood is opened, you will see the battery inside. You will have to disconnect the battery’s black wired negative terminal. Put the ignition onto the crank/on status for half a minute and then turn the ignition back to the off mode. Connect the negative battery terminal. Close the hood and then start the vehicle and let it idle. Now check the status of the error light on the instrument panel.

There are other methods to reset the Dodge PCM. You have to scan and clear the error codes which acted as the trigger for the malfunction light. There are some special tools for this purpose such as the scan tool or code reader-eraser. These tools are not easily available.

In addition to this, after the battery has been disconnected and the PCM has been reset, the PCM will need time to relearn. This is what Dodge mechanics and technicians have been debating about.

Whether the PCM has been reset of if it has not; the PCM has to relearn. The time taken to reset and relearn vis a vis the time taken to replace the component and relearn is about the same. So the only time the PCM should be reset is when the component which set the error code jangling has been repaired or replaced. Otherwise the same component will trigger the malfunction indicator light on the dashboard.

If you need to replace the Dodge PCM computer for van, truck or car there are a number of online stores where you could pick up what you require. Make sure that your read the fine print before you sign on for a PCM or any other part for that matter. You can get yourself a top quality re-manufactured PCM computer at rates which are much better than what dealers offer. Most stores offer a lifetime warranty on these re-manufactured PCM computer. This way, you can replace and drive off.

Bearings in Everyday Items

The mere mention of bearings may put a great many into a panic state, convinced they know nothing of this high-tech, mechanical device that is instrumental in the functioning of many pieces of equipment and machinery.

These same people may also be surprised to learn that while bearings do play a pivotal role in the functioning of large pieces of equipment that they are relatively simply designed. They are also found in a great deal of ordinary everyday items.

Bearings are not nearly the scary creatures many believe them. They actually serve very useful functions in everyday life as they are essential parts in a great many thing that’s used daily with very little thought being given to the mechanics of the item.

Bearings also boast a strength that greatly surpasses most anything like them in the industry today, making them a vital necessity in a great deal of machines and devices.

Bearings come in a variety of types for a range of uses. For example, many automobiles have wheel bearings, which nearly everyone is familiar with. However they also have a great deal of other types of bearings that are vital in the smooth operation of the vehicle. From the transmission, steering and even the air conditioning a vehicle relies on bearings for a great deal of its operations.

There are also a great deal of household items that also contain bearings. Items such as blenders, ceiling fans and skateboards all use different types of bearings to make sure they run smoothly and the proper bearing used for the type of operation they are responsible for.

Other items in the home, such as bar stools and drawer slides also use a bearing type mechanism to run as that’s intended. These bearing may not seem as advanced as those used in a car but they are bearings, the same. Any type of household item that features a pivotal point or rotates most likely has some sort of bearing.

Toys are another item that could not get the full use from if it were not for bearings. Children thoroughly enjoy toys with moving parts as the toy version of an item often mimics the live version.

Toy trains, trucks and almost anything with a mechanically moving part as operated with the use of a bearing. These bearing need very little in the way of upkeep to appeal to the use of them in items typically used by children.

Electronics also have a use for bearings. DVD players, CD players and computers, basically anything that spins a disk, uses a bearing to rotate the disk.

Household appliances such as the washer and dryer, air conditioner and even fans are all driven by bearing that keep them operating smoothly as they carry out their daily jobs and tasks.

Nearly anything that has moving parts has some type of bearing in it. The sheer number of bearing that a person could meet in their daily life is a true testament to the importance they plays operation of a number of items or devices.

They are critical for nearly every company or business that relies on anything from a computer to heavy equipment to carry out their business practices.

Many do not even give a second thought as the how bearings affect their lives. From the cars that are driven to the seats being sat at and now even vital household chores all rely on the power of a bearing.

Available in a wide variety from wheel bearings to roller bearings of cylinder bearings all types get used for a variety of applications. These bearings are vital as they carry out some of the most necessary functions of the equipment or devices. Without them the world would certainly be a different place.

My Scooter Won’t Start! The Top 5 Most Common Mistakes & Solutions

We walk outside to run an errand, to go to school or work, and UGH, our scooter won’t start! How frustrating. Here are some basic things to check quickly to get back on the road.

  • First: The basic questions:
    • Did you hold in the brake? (Some scooters require the right brake to be pressed)
    • Is the kill-switch off?
    • Is the key all the way on? (Sounds dumb I know, but as a repair shop Manager, I get scooters in here all the time where the ignition is sticky and doesn’t turn on all the way. The owners are embarrassed when I make sure the ignition is turned all the way on, and the scooter starts right up. Always works for the mechanic, right?)
  • Second: Will it kick start? Try kick starting it. When kick starting, don’t give the scooter any gas (you might flood it). Try to kick start-it 5-10 times. If that doesn’t work, give it some gas and try again.
  • Third: Check the fuse next to the battery. Most fuse boxes next to the battery have an extra fuse in case the original one blew out. Check the fuse first. That only takes a minute. If it’s shot, replace it with the extra one sitting in the case.
  • Fourth: Jump Start-it – Scooters are not like cars. A scooter battery can be so dead, that there is nothing anyone can do to make it start, except charge the battery or replace it. So in the meantime, jump-it. Now a word of caution. These little scooter batteries can burn up quickly, so if you choose to jump it, only put the cables on a few seconds, quickly start it and disconnect it. If you put on cables for 5-15 minutes, you can destroy your battery. These scooter batteries can’t handle the amps put out by car batteries. If you want to buy a trickle charger, get a 2 amp charger.
  • Fifth: Pull out your can of Starting Fluid (you know, the one you bought when you bought the scooter – every scooter owner should have a can), and spray some fluid onto the UNI Air Filter you have on your carburetor. They try to start it again. If it starts, keep it running with the throttle. Keep your Starting Fluid with you in the seat until you figure out what is going on with your scooter.

These steps should get most scooters going and get you on the road. If these don’t work, it might be something more serious, but at least we’ve done the basics and saved us a repair bill for something that was silly or easy to fix by ourselves.

Happy Riding.

Don’t Buy a Car From a Tote The Note Dealership

I have been all around the car business for years and I hate to see people make mistakes that hurt them in the end. Simply buying a car from a tote the note dealership is a terrible waist of money, it is always overpriced and does nothing but damage your credit report. The reality is that there are ways to get a car with the same qualifications that a tote the note lot wants you to have. The difference is it will be reported to all the major credit bureaus and usually has a warrantee to give you a piece of mind.

This is how a tote the note lot works, they shop used car auctions and buy cars that major dealers don’t want, usually for under $3000. Most of the time they don’t even dive them if the seller (another used dealer) says that it is good. Then they put it on their lot for $5999, yes that much profit. The reason is simple your down payment is usually about half or all of what they have spent on the car. Then your payments for the next 4-5 years are mostly, or all profit for them, but does nothing for you. In the next four or five years if you have a car problem you are just stuck in a bind. If you call the lot they say it is not their problem, or they say they will have their shady-tree mechanic fix it. Then extend your note so they can make some more money from you. If you can’t afford to fix it you still have to pay or they will repo it, and most times report it onto your credit report. That’s the problem they only report if you default on your credit report. They don’t report all the payments on time you made. They don’t want your credit to get any better so that you and others have to come back and buy cars from them. Then they take that same car and sell it to somebody else, and guess what, this time it is all profit. There is a better way.

There are some major dealerships (Dodge Chevy Ford) that have special finance programs that work especially with people with poor credit, or even no credit and even without a cosigner. The way this works is a car is traded in, and the dealership has their service station inspect it. They load the info like miles, condition, make and model into a program and the special finance lender determines the price. That way you can’t get overcharged. The reason is that the lender does not want to repo the car and have to resale it. That’s why they will usually give you a 2-3 year payment around 250 mo so that you can pay it off quick. Usually they like to cover it with a warrantee for special finance customers. Just incase your car breaks down you will be able to have it fixed and continue your payments.

Here is the best part, a special finance company will report to the bureaus every month of your on time payments, that will start to raise your credit score. All you need is six months to a year of on time payments on your report, and then a regular lender will give you a shot. A major dealership wants your credit to get better so you can comeback and buy again.

“But I went to a major dealership and they embarrassed me about my credit.” you say, not all major dealerships deal with special finance. There is an even easier way; you can apply for your financing online, with special finance lenders. Then you never have to worry about the public rejection of the dealership, and they never see your credit. Most companies will approve you instantly or in 24 hours. You can print your approval out and go and shop like everybody else.

If you need some special finance lenders I have a few listed on my free do it yourself credit repair site [http://www.bankmortgagerelief.com/gettingstarted.htm]

Understanding Feature-Function-Benefit Presentation

Feature-function-benefit selling presentations are effective because they work. For the purpose of brevity I will refer to it as “FFB” in this article. A professional sales training program will include this important technique in some form or another. You may see it referred to by a slightly different name, such as feature-need-benefit or another closely worded name but no matter the name, it is the same technique.

Here is a simple way to make FFB an integral part of every sales effort and benefit from it. Let’s start by defining each of the terms.

FEATURE

This is the “what is it” part of FFB. Every product or service has unique features that separate it from the competition. If the feature is common to other products the way it is presented will help separate you from your competitor.

FUNCTION

What does it do? During your presentation this part of FFB gives your customer the opportunity to see how it works. It goes without saying that proficient product knowledge is a must.

BENEFIT

Why should your customer have it? Here is where you solve a problem, fill a need and re-inforce why your product or service is the right one.

Let’s do a simple exercise that puts FFB into action.

Suppose you sell automobiles. In today’s world most of them have anti-lock brakes as either standard or optional equipment. Now, you are showing your customer the vehicle. You can either say:

“This car has anti-lock brakes” or you can use FFB to your advantage and say:

“This vehicle is equipped with anti-lock brakes.(The feature) In the event of an emergency braking situation you fully depress the brake pedal to the floor. (The function) The Anti-lock brake system is designed to bring you to a complete and straight stop without allowing the wheels to skid. This prevents loss of control and avoids sliding off the highway or into oncoming traffic. (The Benefit)

Here is where many salespeople forget an important step. Always end your FFB presentation with a tie-down or evidence statement. In the above example it would sound like this:

“I think you’ll agree that is an important safety feature.”

Think of the product or service you sell. As an exercise to become comfortable with FFB write down some key features and practice presenting them using this method. It will pay huge dividends.

How To Make A Beautiful Candy Paint Job

Close your eyes and imagine a radiant candy orange sports car glimmering at a car show. Now picture yourself in a gallery and you open your eyes to see the most beautiful sunset painting with a silhouette of palm trees in the background. Today I’m going to tell you how you can make a beautiful candy paint job. I’ve painted radiant red candy racing stripes on a dodge truck, blazing realistic fire, awe inspiring silhouette on tail gates, and relaxing beach sunset paintings on canvas. The one thing these all have in common is I used candy colors.

You will need a small list of art workshop supplies depending on what you want to paint. First with candy paint you need a base color. There is an unlimited combination of base colors but the three most popular are white silver and gold. For instance I mix white with a little yellow to make real flames, and if I want a light metallic candy color I use silver as a base and if I want a dark metallic candy color I use gold as my base. Candy colors and candy concentrates can be mixed with a transparent base, integrated clear coat or even regular clear coat. I don’t recommend using a regular clear coat because it is mixed with a catalyst or hardener which will shorten the life of the candy and must be used right away. House Of Kolor uses an integrated clear called SG100 which when mixed with the candy will still have a very long pot life because it does not use a hardener. House Of Kolor uses solvent based materials that work well but are toxic. If you want a similar product that is non toxic or a waterborne paint you should use Auto Air Colors products. Auto air colors uses a non toxic transparent base. When mixing your paints you will need to add a reducer to thin the paint to a desired level. Reducer usually comes in either fast medium or slow. Fast is a quick drying reducer that should be used when it is cold painting conditions. Medium is an average drying reducer approximately 70 degrees in painting area. Slow is a slow drying reducer that works well in hot painting conditions. Well now that you have a base color, candy colors, integrated clear, and reducer you can prepare for the next project.

You can paint on anything from t-shirts to canvases to automobiles. Candy colors can darken with more coats of candy so you will want to spray as consistent as possible to avoid a cloudy or blotchy look. When candy is sprayed correctly your beautiful paint jobs will stand out like a sore thumb. Almost any clear coat can be sprayed over your candy paint job. Can just anyone make a great candy paint job? No!, I’m just kidding. Anyone who is willing to put in enough time to read this article has the determination to to create an amazing candy paint job. Do you know what always makes me want to do something? When people tell me I can’t do that. It makes me want to prove that I can even more whether I originally wanted to or not. My only problem I have now is convincing people I’m the one who painted it. I remember shortly after I graduated high school I told my friend I want to paint a car and you know what he said?” You can’t paint a car.” After that I went to Sears bought an air compressor, a paint gun, bought a 1981 Z28 Camero project car, and some paint. Well unfortunately that project didn’t go so well but it did motivate me to go to college and learn the right way to paint cars and since then I’ve taken custom painting classes and now I teach custom painting.

Its my turn to teach you its never too late to learn. I’m telling you to get off your computer get some candy paint and lets go paint something. I love painting. In fact this week I ‘m going to paint a 1984 Toyota p/u. I wish it was a custom or a candy paint job but sometimes people want plain paint jobs too. For $25 per hour I teach airbrushing, painting or just about anything auto body related you want to learn.So if you have questions you can always e-mail me or come visit my shop. In just a few sentences I’m going to teach some tricks to help you along the road to your artistic side. I don’t care if you have never painted at all because now is the time you start and your going to be great.

Lets paint a nice sunset or beautiful silhouette. I’m going to paint a tailgate but you can start with a canvas or a piece of sheet metal if you want. first paint your background black or use a really dark color. second cut out a stencil or a paper of a tree, some grass, or even a elk or deer. There should be just an outline but no inside detail of these. Third place your stencils over the bottom of your project and spray a white over the sky area of the stencils. Fourth spray the painting with candy yellow followed by candy sunset leaving some traces of candy yellow. Finally spray some candy apple red leaving some traces of both the candy yellow and candy sunset. Protect your picture with a clear coat. Another tip to help you avoid runs is to paint with your project flat and help keep gravity on your side.With these 3 candy colors and white you can also paint some flaming hot realistic flames. If you would like to paint a complete vehicle keep your spray patterns consistent and evenly overlapped as possible. Painters make mistakes or sometimes get a run but with a little knowledge any of these can be fixed. Never be scared of a challenge but hit it head on and if you ever get asked “How can I make a beautiful candy paint job?” Tell them with candy paint, a base color, some transparent base to mix with the candy, reducer, a clear coat to protect it, and a little bit of knowledge to help you along the way.

Trick My Truck & SUV – Chevrolet Tahoe Add Ons to Increase Horsepower and Gas Mileage

Chevrolet has perfected a huge selling success with its Tahoe and Suburban SUV. With a wide array of trim packages and powertrain choices, there’s a little of everything for folks of all walks of life. But as gas prices start to climb and more people looking for more fuel efficient alternatives, owners are looking for cheap ways to enhance what they’ve got without going to the extreme of trading or downsizing into something less favorable. The aftermarket world for performance enhancing parts is huge with the Chevrolet Tahoe and is certainly worth the research to find the right products for your SUV. Here is a brief list of inexpensive do-it-yourself items you can buy and install in an afternoon.

First, an easy to find item is a higher flowing performance air filter. Manufactured by well known companies such as K&N, airaid and AEM, these products can be purchased at any auto retailer like Wal-Mart, AutoZone and Pep Boys. What a performance filter does is replace your existing restrictive stock filter with a higher flowing unit. The better the engine can breathe, the more horsepower and better gas mileage. Tests have shown a 8-10 HP increase and a 1-3 mpg upswing in a 5.3 V8 Tahoe. Aside from the gains, maintenance will be cut down as well as these filters are cleanable and reusable too. In essence, don’t leave this cheap part off your list, they only retail for $35-55!

Next, a performance exhaust system is another cheap way to free up some more of those HP’s and overall gas mileage in your old or new Tahoe. Kits are available from manufacturers like flowmaster, borla, and Bassani for all engine size Tahoes from the early 1995 models to the newer 2010’s. Kits come complete with all the hardware and instructions. All you have to supply are basic hand tools and an afternoon’s amount of time to get it all together. Your Tahoe will thank you because the engine will dispel all of the burnt gases easier and you will get that nice deep throaty sound once made popular in muscle cars. Gain more power and a few more mpg’s with this must have modification.

And lastly, no Chevrolet Tahoe or GMC Yukon will come complete without a performance chip from Hypertech or Superchips. Performance chips retail at around $80-100 and only take about 20 minutes to install using basic handtools. What a performance chip does for your ride is that it will enhance your transmission’s shift points for better efficiency and less wear and tear. A good performance chip will also enhance your truck or SUV’s fuel curve to gain more mpg’s too. A performance chip will compliment the other performance parts and won’t void any existing warranty.

And so, that is a brief list of some of the most popular and tested parts one must buy for their Tahoe or Yukon. Altogether, you should see about a 30-40 horsepower increase and about a 5-7 mpg gain with all the mods. With summer just around the corner, motorists could use more of their hard earned bucks toward more important activities. But if you want to take modifications a step further, drivers have been converting their truck and SUV into hybrid type vehicles. I’ve seen water/gas conversions and the popular electric/gas hybrid conversion made popular by Toyota and Honda. The IRS will even pay you tax credits for driving a clean fuel vehicle, nothing but positive money savings here. For more information on how you can convert your truck and SUV now, please feel free to visit my site below.

How to Tell The Difference Between Real Leather Furniture and Synthetic Imitations

How can a consumer, determine the difference between real leather and imitation?

What are the obvious clues?

Here is my advice when shopping for leather furniture to determine if its the real deal or synthetic.

1. The best test is the inside of the material. The inside of leather will appear as suede whereas the inside of synthetic has a woven typically fuzzy, often white material.

2. Look at the cross section. Leather is one material (a skin) whereas synthetic is a bonding of plastic surface to a fabric substrate.

3. Pinch it. Leather is thicker, vinyl is thinner. To become familiar, find something you know is leather and pinch it to get a benchmark sense of the thickness.

4. Look for imperfections (hide scars, bug bites, etc.) Leather hides are not perfect across the surface (like knots in wood). Vinyl has no surface characteristics as it’s man made.

5. Look for a repeating pattern. Like wall paper, vinyl is manufactured with a specific pattern that repeats itself.

6. Large versus small panels – Leather is from an animal that has limitations dimensionally (ever see a 20 foot cow?), vinyl is produced on a roll with no limits to size.

7. Grain Pattern – If the grain pattern is totally uniform its probably vinyl. Nature does not produce complete uniformity.

What is NOT the real deal – Vinyl, Bonded leather, Bicast leather, ultra suede PU leather. Bonded, PU leather and bicast are equivalent to pressed wood or fiberboard. They are made from what used to be leather waste material that then has a heavy urethane coating on the surface. The typical color is a glossy brown. Bonded PU and bicast lack durability and present all kinds of problems.

What is real, but lacks durability – Split-hide. This is the remnant of a leather hide after the epidermis or top-grain has been split away.

Ask the following questions:

1. Is it top grain leather? Top grain means the epidermis of the skin is intact. This is important as the epidermis is where the durability of leather comes from.

2. Is it all leather? Many manufacturers cut costs by building leather furniture with part leather and part vinyl. This is not death mind you, but a potential problem along the seam where the leather and vinyl meet.

3. Can I see a swatch of the material used? Look at it front and back. Is it the same color on top and on the inside? Is it suede on the inside? Most leather manufacturers give the retailers samples of the leather they use for exactly this reason. Be wary if they can’t produce a swatch for your examination.

4. Who is the manufacturer? Do your research and look up who built the piece. There are several quality manufacturers – American Leather, Hancock and Moore, Drexel Heritage, The Sherrill Collection, Leather Craft, Ekornes as examples. And then there is the very high end European manufacturers – Roche Bobois, B & B Italia, Cassina, Gamma, de Sede.

Beware of claims like “it’s Italian leather.” It means nothing. Natuzzi, an Italian manufacturer of leather furniture has three plants: Italy, Brazil and China. Just because it has an Italian name doesn’t mean its made in Italy.

Ask penetrating questions. If you aren’t comfortable with an answer, run.

Some manufacturers had an impeccable reputation 10 years ago. Their products today simply don’t measure up. So don’t rely on historical performance alone. The industry is being decimated by cheap foreign imports. To combat the onslaught some companies have capitulated and moved their plants to cheap labor countries and are now producing junk.

The unfortunate fact is there’s a ton of misinformation on the web, and in the leather furniture retail channel. After reading this article, the probability is pretty high that you’ll know more about leather now than the sales person who is selling the furniture.

Car Washing: Spic and Span – Inside and Out

Regularly washing the exterior of your car will not only make it stand out as shiny and sleek, but it will also help ensure its longevity. A clean car protects against dirt, salt and other contaminants picked up from the road every day. Anyone who lives in an area with harsh winters can attest what the crud can do to a car’s body- rust! Washing your car several times per month, or even once a week, can keep your car’s body in tip-top shape. Here are some tips for washing your car inside and out.

While a warm, bright sunny day may make your car scream, “Wash me!” contrary to popular belief that really is not the best time to wash your car. Why not, you ask? If a car is not kept cool while suds up, the water can evaporate rather quickly, leaving soap spots. So, your best bet is to wash the car on a cloudy day, or at least in the shade on a sunny day.

Before you start washing your car, you will want to gather all the necessary supplies. You’ll need access to water- usually through a garden hose or pressure washer, a bucket, soap, sponges or soft cloths, scrub brush, glass cleaner, paper towels (or newspapers) and any other cleaning materials you may wish to use. For example, polish, bug cleaner for headlines and windshields, tire cleaner or degreaser, etc. Once you have everything together, fill up the bucket with soap and water, making it really sudsy. Be sure to use a soap that is made to wash cars- shampoo and dish soap really won’t do the job.

Begin with the wheels. It is important to have clean wheels because they are in constant contact with the road, and can be prone to corrosion caused by brake dust. You are riding on your tires, and your safety depends on them. Be sure they are clean! You’ll want to use lots of soapy water and a scrub brush to get them clean. You may also need to use a degreaser. You may need to use some good ‘ole elbow grease to get down deep in the tread to get all the dirt and debris. Once clean, rinse them good. Then, you can also use polish your tires and wheel covers to give a finishing touch.

Next, start on the car itself. Start by hosing down the car to get the surface wet. Then, start with small sections at a time so you can pay close attention to detail. For example, you may want to start on the back left, and clean that area from top to bottom. Then, rinse and move toward the center of your car, working your way all the way around. For the car’s body, you’ll want to use something soft so that the paint job can be protected. This can be a range of materials from large sponges, soft chenille pads, wash mitts and even a sea sponge. During this process, you may alternate from the soft sponge to a scrub brush for the grill area to remove bugs. After you are done with all sides, give the car a final rinse.

Next, although the windshield and windows are all probably shining from the good washing, you may want to take another step to make them shine even more and use a glass polish to clean them. Paper towels work fine, but for a more polished look, try ‘recycling’ your newspapers as a window cleaning rag. They work wonderfully, and leave no lint behind like some paper towels do!

Next, you can wax/polish your car. This will rally help protect your car from the elements like dirt, road salt, pollutions and other debris. You can actually wash your car with a pre-wax treatment to prepare for this step. Apply the wax to one panel section at a time using a dry cloth. After the wax dries, you can buff it with a towel. One coat is enough to make it shine- but heck, you can add another coat or two of you want to make it really shine! The wax job can last about two months.

While the interior really doesn’t help maintain the car itself, it’s just nice to have a clean car inside out. After you are done washing and waxing, start by vacuuming the floors, mats and seats. You may need to use the attachments to be able to get in all the nooks and crannies. (Crumbs are everywhere!) If you have rubber mats, those can be washed along with the exterior and laid out to dry. Replace them after the car is cleaned inside. Next, wipe down all the interior surfaces with a damp cloth. Then, just like you did the outside windows, do the same for the inside. Some people like to use a polish to make the dashboard shine. Just don’t polish the steering wheel! It’ll make it slippery.

Tote the Note – Buy Here Pay Here

Poor Credit, Bad Credit, No Credit, No Problem.

We Tote the Note.

All of these are common signs you see at some used car dealerships and flashed across your television screen. However, do you really understand what goes behind this concept?

A Tote the Note dealership is really no different from the concept used at furniture rental companies, in that you pay for the car where you purchased it without any loan company in the middle. However, there is still a huge difference between a furniture rental company and a Tote the Note car dealership – Your Credit Report.

When you are searching for a new or used car, you will probably spend more time in the office with the car salesman and his manager trying to get your loan bought from a lending company. The way this is done is, you fill out a credit application, the car salesman, takes it to his manager who then punches your information into a computer to run a report on your credit. When they receive your credit report or credit score they will then fax this information to loan companies they use to finance the cars they sale. Now, the loan company will look over your credit report and decide if they wish to buy your loan. This means that you will by paying the loan company back the money they give the car dealership for the car that you purchase. If you do have poor credit, bad credit, no credit, or a bankruptcy on your credit report, you will more than likely be turned down for the car loan or you will get the bad news that you have to add 21% percent interest onto the price of the car. The bottom line is that you will paying about the same amount of money each month for that used car that you pay for rent or purchasing your home just because your credit is not up to par.

Furniture rental companies do the same, they look at your credit report and if your credit is not what it should be then you may not be able to rent to own their furniture either.

On the other hand, Tote the Note car dealerships do not look at your credit report. They will ask you to fill out an application, but the information they need is where you work, how much money you make, nearest relative’s address and telephone number, and of course, your address. The only thing you really need to purchase a used car from a Tote the Note lot is a job.

A Tote the Note car dealership receives cars from other people that trade in their vehicle in order to purchase another one, buy them from auctions, or other individuals. In most cases, the dealership has a mechanic that will fix major problems that are found with the car; however, you will be purchasing a car without any type of warranty. This means if something goes wrong with the car the dealership will not fix it for you, you will have to pay for all repairs. This is normally called “sold as is”.

The good part about buying from a Tote the Note lot is that you will not have to pay any interest. The price on the car is what you pay. The normal time to pay for the car is usually around 12 to 18 months. You will have to pay a certain amount each month until the total price of the car is paid off minus whatever down payment you may have. Some Tote the Note lots also offer “no down payment”, but this will raise your monthly payment.

Buying from a Tote the Note car dealership will not affect your credit rating in anyway. These car dealerships do not report your payments to the credit bureaus, however, if you default on the loan that is not reported either. If you do not make your payments, the Tote the Note car lot will repossess your vehicle and put it back on their lot for sale.

If you have bad credit, no credit, or other problems that stop you from purchasing a car through a loan company, then a Tote the Note car dealership may be your best bet in getting a car. Remember, to check the car out and test drive it since you will be the one paying for any repairs once you sign the agreement and drive off the lot. You do not want to drive the car a couple of blocks and it die on you, because then you will have to pay for repairs and keep up with your monthly car payment.