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Air Conditioning Blows Hot Or Warm on One Side – Free Car AC Help

Car air conditioning systems that blow warm on one side and cold on the other side usually have one of two problems. In this short auto repair article, a master automotive technician shares his experience, derived from working on air conditioners in Florida for the last couple of decades. This free information can be equally helpful to the do-it-yourselfer as it is to a consumer that knows the value of being informed when it comes to dealing with car repair shops. Read on for free car A/C help when the air is blowing warm on ONE side.

Usually cars that blow cold on one side of the dash and warm on the other side, are typically equipped with a dual zone climate control system. Dual zone systems allow the driver and front passenger to adjust respective temperatures to their comfort levels. There are two common causes of a temperature difference when both sides are set at the coldest settings, lets cover the first one.

Low Refrigerant

Automotive air conditioners which use 134A, usually hold a small amount of refrigerant compared to older automobiles that use R12. Car and truck air conditioners today are much more efficient than their older counter parts. The fact that 134A systems use less freon, means that a leak can more quickly affect the performance of an HVAC (Heating Ventilation & Air Conditioning) system. Due to the design of dual AC systems, low refrigerant is the leading cause of drastic temperature difference from one side of the dash to the other. Even well experienced car mechanics may be surprised to learn that as little as 4 to 8 ounces undercharged of 134A can make such a huge difference. The temperature from the left vent to the right vent can vary 10 to 20 degrees. The easiest thing to try is to top off the system or better yet, remove all freon and recharge the unit with the factory specified amount. In most cases after the proper charge of Freon is in the car, the temp will blow equally as cold like it should on BOTH sides!

What if that didn’t help? Read on to learn of another possible cause of the problem.

HVAC Door Issue

Dual zones supplying different temperatures from vents on either side of the dash is achieved by the use of small doors within the HVAC housing. By controlling the doors, the temperature of the air on the left and right can be adjusted to the desired comfort level. Many times the motor (or actuator) that controls the door for either side can fail or the door itself can break and prevent the temp. from being adjusted. Diagnosing this problem is more complex and can be a subject for another article. Thanks for reading. Hopefully, the free information provided here will help to remedy the problem of “AC’s blowing hot or warm from one side of the dash.”

When is it Time to Replace Or Repair Hydraulic Hose Assemblies?

How long do hydraulic hose assemblies last? There is no answer to how long you should wait before replacing hose assemblies on your equipment. The good news is that there are signs that you can look for to determine when it’s time for preventive hose assembly replacement.

Do not use a old or worn hose assembly on your equipment.

The Society of Automotive Engineers (SAE), proclaims the shelf life of bulk rubber hose is 10 years from the date it was manufactured. The manufactured date should be located on the layline of the hose. If its close to 10 years. It shouldn’t be used. The purchase of a new hose assembly is by far less expensive than the clean up and potential harm and injury if an old hose breaks or blows.

Make and follow a regular preventative hose maintenance schedule.

For most assemblies, a visual inspection once every 30 days and replacement of assemblies every year or two is adequate. Eighty percent of blown hoses are caused by external damage through kinking, crushing, or abrasion of the hose and can normally be seen by just a quick look.

Keep a log of the hose replacements, especially replaced hose failures. You can use this log to estimate how long your hoses may last in your equipment. But nothing will replace a visual inspection.

Critical hose assemblies should be replaced more often as these will cause the most damage if blown. Critical assemblies may be those that are close to the operators or failure could result in injury or would cost a great amount of damage.

Replace your assemblies if you see oil leaking around fittings or along the hose, crushed hoses, abrasion or any exposed wire is a sure sign of need for replacement, any significant damage to the outer cover, twisted hoses, Kinks, cracked, rusted, or corroded fittings.

When Is the Best Time of Year to Get Window Tinting Installed?

Sometimes the time of year that tinting film is applied can affect the quality of the job, as well as the life of the tint. If you have decided to have the windows of your automobile, home or business tinted, you may need to consider the seasonal climate’s effect on the installation. In areas that have extreme weather, often automobile tinting companies will set aside a space where temperature and humidity can be controlled.


Since the air is warmer in the summer, the tint will cure faster. On the other hand, if there is a high level of humidity or extremely warm temperatures, the job could be compromised. High humidity can effect the way tint adheres to windows. If this is a problem in your area, it may be best to wait until a time where the humidity is not such a factor.


The spring is usually a good time in most areas because it is neither too hot or too cold. You may find in some southern areas that humidity can be an issue. Spring can also bring rain and if you are having the windows of your car tinted and it needs to be done outside, that could be a problem. Your professional tinting company will take all of these factors into consideration and give you their best recommendations so you will end up with the best result.


The clean, crisp fall air is great for tinting. In many areas of the country, fall is a great time to schedule your professional tinting. There are some areas that later in the fall become quite cold and that can effect curing times.


In northern states, winter can be a very difficult time to have window tinting applied. Cold will lengthen curing times and snow and ice can limit the time available to complete a tinting job. It is often the case that automobile tinting must be performed inside a climate-controlled building.

Inclement weather does not have as much effect on interior tinting of homes and businesses, but high temperatures or very low temperatures can still effect the cure rate because of the temperature of the glass. An experienced tint installer will take your area’s climate into consideration when they are choosing the tint that will best suit your needs.

A professional tinting company can advise you as to the best time of year to have your windows tinted in your area. They also can recommend the proper film for your climate’s conditions.

Electric Cars Have Been Around for Over 200 Years

Despite the fact that many people automatically assume that electric cars are new phenomenon, a quick glimpse at the history of electric vehicles was sure that they have been around for over 200 years. Yes, despite the fact that the electric vehicle is struggling to make it towards the mass market at this moment in time, it has in theory had over 200 years to try!

False dawns for the electric car market

There have been a number of false dawns for the electric car market over the last 200 years although many of these relate back to the strength of the oil industry. The latest failure in the 1990s saw General Motors accused of attempting to kill the electric car market with the infamous EV1 which was released in a blaze of glory yet ultimately crashed and burned.

This is perhaps one of the more striking visions of the electric car market which is still in the heads of many motorists around the world. The fact that the company the size of General Motors seemed willing, at least on the surface, to sacrifice a potentially lucrative electric car after allegedly coming under pressure from various government agencies and oil companies. While we never actually got to the bottom of the reason why the infamous EV1 was pulled from the marketplace, it certainly left a sour taste in the mouths of many motorists.

Is electric travel the future?

As we touched on above, despite the fact that EVs have been around in some shape or form for in excess of 200 years, there are still some uncertainty as to whether electric travel is the future. The reality is that as we look to save the environment, reduce emissions and also make driving vehicles more efficient, electric power is perhaps the best source of fuel available at this moment in time. There have been a number of other fuels suggested over the years although this moment in time no others have stepped forward to challenge electric cars.

There is now talk of mobile charging points, automatic charging points and even electric vehicles which will drive themselves on a tram network system. The reality is that despite the reluctance of many motorists to appreciate the fact that electric power is here to stay, systems are being put in place for the future and in many ways it seems only a matter of time before electric cars crack the mass market.

Past the point of no return

Over the last 10 years, since the GM EV1 debacle, governments around the world have invested billions upon billions of dollars of taxpayer’s money in the electric car industry. Many large automobile corporations around the world have also matched this significant investment and ultimately we are now passed the point of no return. Too much time, effort and money has been put into the electric vehicle market for it to fail wobble when it would be deemed a “success” remains to be seen.

There are many who will point at various aspects of the EV market such as limited journey capacity, limited charging network not to mention the cost of electric cars, these are all aspects which are being worked upon by the industry and have shown great improvement of late. Once electric car does get anywhere near to the mass market then we will likely see a significant reduction in the cost of electric vehicles although this will probably occur at the same time that governments around the world reduce the current financial incentives.


Time and time again the electric car industry has been “knocking at the door of success” only to be turned away for a variety of different reasons. However, it does seem that at this moment in time too much time, money and effort has been put into the industry for it to be allowed to fail once again.

A significant number of motorists will be surprised to learn that electric cars and other electric vehicles have been with us in some shape or form for in excess of 200 years. Technology has advanced dramatically, technology is still advancing and ultimately the electric car market is dragging itself towards the finishing line which will signal the start of a new movement towards the mass market.

Motorcycles Vs Cars: An Ongoing Debate

Although it is difficult to trace the first motorcycle back to its origins, the first prototype motorcycle came into being in Paris in 1867. It was little more than a steam-powered bicycle called a Michaux-Perreaux steam velocipede. Then in 1884, the first commercial design of a motorcycle appeared in England. This was a full two years before Karl Benz, of Mercedes-Benz fame, was credited with creating the first automobile that was powered by an internal combustion engine. It wasn’t until 1894, however, that Heinrich and Wilhelm Hildebran partnered with Alois Wolfmuller to create the first mass-produced motorcycle. It would not be until more than a decade later that the mass production of automobiles began.

There is a lot of information to be found about the development of the various types of engines that were tried before the internal combustion engine met with such great success. It’s a lot more difficult to track exactly how and why contention exists between many motorcyclists and automobile drivers. Even with well over a century of traveling the roadways together, there still seems to be those bikers who think that drivers needlessly endanger them, and there are those drivers who seem to think that bikers behave irresponsibly, not following the same rules of the road that apply to everyone else.

I have been riding a motorcycle for more than 15 years, and I have never had an accident. I understand the risks that I face when on a motorcycle, as well as the potential risk that my actions can pose to others on the road. Unfortunately, there is a small segment of motorcyclists who don’t take these things into account, and an equal number of drivers who consistently fail to provide motorcycles the latitude needed to remain safe.

Typically, motorcycles are faster than cars. This coupled with the sense of freedom that motorcycles afford make them inherently more dangerous than cars. Put someone with an invincibility complex on a bike, stir in a measure of the motorcycle’s added maneuverability, and you often end up with a jackass who weaves in and out of traffic, tailgates, or otherwise engages in reckless behavior.

Then you have to factor in the jackass drivers who often think that anyone on a motorcycle is an irresponsible jerk. This can be especially true for those judgmental drivers who have a skewed perception of motorcyclists who choose to adopt a “biker look.” Sadly, in this day and age of social diversity, there are still those who see some guy on a motorcycle with long hair and tattoos and automatically think, “Criminal!”

The responsibility for accidents that involve motorcycle is probably somewhere in between the two camps. The University of South Florida’s Center for Urban Transportation Research conducted a 10-year study that found that 60% of accidents that involve a motorcycle and a vehicle were the result of the other vehicle failing to yield the right-of-way. Before you motorcyclists do a little victory dance in your living room, you should keep a couple of things in mind. First, the same study showed that motorcycles have a much higher single-vehicle incident rate. Thirty-four percent of accidents that involve motorcycles occur with no interference from other vehicles. Secondly, a motorcycle doesn’t provide nearly as much protection to its operator as a car or truck offers. A motorcycle accident is 35 times more likely to result in a fatality, and nearly 90 percent of all motorcycle accidents result in injuries. This is 30 percent higher than the amount of injuries sustained in a car accident. Consequently, it doesn’t matter if you are right if you are seriously injured or dead.

These figures exist in spite of rigorous advertising through the use of billboards and bumper stickers to “Look Twice Save a Life – Motorcycles Are Everywhere.” They strongly caution us to watch out for motorcycles, and there is a good reason for that. The State of Florida bears the dubious distinction of having the greatest number of motorcycle fatalities. In fact, of the top seven Florida counties where motorcycle fatalities occur, three of them are right here in South Florida. This is in spite of the fact that State of Florida requires every motorcyclist to take a motorcycle safety course.

Those number aren’t, however, terribly surprising. There are more than a 500,000 motorcycles registered Florida, and thousands more who flock to the state to attend the multiple annual motorcycle enthusiast events held here. With wildly popular state-sponsored events like Biketoberfest@ and Daytona Bike Week, the number of motorcycles in South Florida can increase to astounding numbers thereby increasing the number of motorcycle-related accidents, yet more than 90 percent of motorcycle injuries that occur here involve Florida riders. Although the reasons for this fact are unknown, the message is abundantly clear. Both motorcyclists and those operating cars in Florida need to be more aware of, and more courteous to, each other.

For the record, it is illegal to weave in and out of traffic in every single state, with the exception of California. It may be tempting to try to negotiate through traffic when roasting in the South Florida sun, but keep in mind that if a police officer sees you, you will probably get a ticket for reckless driving which can be a third degree misdemeanor. Likewise, popping a wheelie, which every motorcyclist has done, will also result in a stiff traffic citation and four points against your license. In fact, the consequence of the first offense of popping a wheelie will result in a fine of $1,141 and a second offense will result in a fine that more than doubles that amount. Do it a third time, and you may very well lose your driver’s license.

I am a firm believer in police officers trying to protect John Q. Public, but like those drivers that I mentioned earlier who have a distorted opinion of most motorcyclists, I think that cops and legislators may perceive them in a particular light. These penalties seem excessive, especially when it comes down to just a matter of a bike losing traction. This is not always a matter of showing off just because you are on a motorcycle. There are certain things that a motorcyclist can do to reduce the possibility of getting a traffic ticket or worse yet, being injured. There are also steps that driver can implement to avoid being the cause of injuries or deaths to motorcyclists. First of all, watch out for motorcyclists and bear in mind that they are in a much more vulnerable position than someone in another vehicle. Also don’t forget that whatever your perception may be, that is another human being on the motorcycle next to you and no one wants to live with the knowledge that they have hurt or killed someone else, even if you have the right-of-way.

The 84 Month Car Loan – Pros and Cons For the Smart Buyer

As time goes on, the average length of American auto loans has steadily increased. Today, it’s not uncommon for lenders and automaker finance companies to offer car loans as long as 84 months…that’s a whopping 7 years of financing! Before entering into any loan agreement that spans such a length of time, you need to be doubly sure that you’re making the right decision for you and your financial future. Let’s look at the pros and cons of 7 year car loans.

84 Month Auto Loans: The Cons

Obviously, when you spread out your payments over a longer period of time, each payment itself becomes smaller. In this way, 7 year auto financing allows for lower per-monthly payments than a shorter loan. Unfortunately, most buyers are tempted to parlay these mathematics into buying a more expensive car than they otherwise would. or could But this begs the question: can you really afford a car this expensive?

The issue is depreciation. Most cars depreciate at a rate of about 15% per year. When you take 7 years to pay off your auto loan, you will find yourself owing more on the vehicle than it’s worth for more than half of the loan term. Basically, you are prolonging the amount of time you spend in a state of negative equity — otherwise referred to as an “upside down auto loan.” What if you need to sell the car for any reason or trade it in? If so, you will have to pay back your bank or lender all of the proceeds from the sale price, only to find yourself still owing them money. That’s not a happy place to be.

Another issue with 84 month auto loans is the finance fees. Basically, there is a longer period of time for finance charges to accrue, making the vehicle in question cost significantly more than it probably would from a 36, 48, 60, or even 72 month auto loan. You should also think about the wear and tear on the vehicle over this extensive period of time. The average American drives his or her car about 15,000 miles per year. That means that, near the end of your 84 month financing term, your vehicle will have accrued around 100,000 miles. Vehicles with this amount of mileage may cost more in maintenance and repairs than a newer vehicle. For this reason, evaluating the warranty of any vehicle subject to a long term auto loan is doubly important.

84 Month Auto Financing: The Pros

The most obvious advantage of long-term financing is lower payments. As we’ve said, however, interest rates and the cost of a higher-dollar vehicle can more than compensate for this advantage. That said, an 84 month auto loan may fit you if you have stellar credit, excellent income, and can negotiate a very low rate APR on your loan. It may allow you to afford the car you want without cutting as much into your monthly budget. Also, if you are a total car nut and absolutely must have a certain vehicle that you cannot afford any other way, 7 year financing may allow you to have what you want; just be prepared to sacrifice some money in the process.

Another scenario where an 84 month car loan might not be such a bad idea is when you a car as an investment. If you are in the market for a vintage or classic machine — one which does not depreciate due to its age, condition, or heritage — then an 84 month car loan might be the right option.

The Five Basic Car Sales Closing Techniques

When you sell cars for a living one of the most common terms you will hear is closing the deal. Sometimes a successful car salesman or a sales manager might be called a strong closer or a good closer which means they are skilled at closing the deal with the customer. If you are determined to make the big money you will need to sharpen your car sales closing skills. Below you will find the auto sales closing methods and techniques that most of the other techniques have evolved from or they are variations of these car closes.

Whether you are new to the car business or have been selling for years it will help you to know these car sales closing techniques like the back of your hand. The better you know them the more you will use them and the better you will become.

Car Sales Closing – Show Me the Money

1. Assume They Are Buying: This is by far one of my favorite car sales closing methods. When you assume the sale is a done deal you naturally act and talk in a way that not only is conducive to completing the sale but the customer will pick up on you words and actions and follow along. When you move through the steps to the sale assuming they are going to buy a car at the end of the process the customer will either buy the car or they will object. If they object you then move on to overcoming their objections.

2. Ask Them to Buy: This may sound simple, but you would be surprised how often new sales people or less experienced car salesmen continue to talk about the vehicle without ever asking for the sale. However you must remember that you don’t stop asking after once or twice. Typically when you use this car sales closing technique the first thing that comes out of your customers mouth is an objection. Great, that means you are moving forward, see objections below.

3. Create Urgency: If you are in the car business, you know how important it is to sell them NOW because we all know about “Be Backs”. The car buyer has a tendency to say we are just looking or we are not in a hurry, but it is your job to get them sold NOW. Sometimes in order to accomplish your goal you need to create a sense of urgency in your customer for your car sales closing attempts to work. You want to make them believe they are going to miss out on something if they don’t buy now. An example might be the end of a sale or availability of the specific car they are interested in buying. A note of caution here: a little goes a long way and when you overdo the urgency combined with closing the sale you can come off as being pushy or as a high pressure salesman.

4. Make it Easy for Them to Say Yes: Listen to what they want and then make their wants and needs part of your car sales closing statements. Use their statements to close the deal. For example: You said wanted a red car with a sunroof and a payment under $400, right! or You said you needed a car that gets 30 miles to the gallon that seats five people that has remote entry and $5000 for your trade-in, right! Are you getting the idea now, you make it easy for them to buy a car when you have filled their needs and wants and use their words to make that point.

5. Go for the Gold – Objections: This is where the money is, it’s in the objections of your customer. When it comes to car sales closing it always comes down to objections. It is the customer’s way of saying: I am not convinced yet, I need more information or You didn’t build enough value in your product, dealership and yourself. It’s not that they don’t want to buy the car; it means that you have some work to do before they buy the car. Overcome their objections one at a time like a checklist and then close the car sale.

The car salesman will often use several of these car sales closing methods or a combination of the many other techniques that are designed to sell a car. It all comes down to closing the sale with your customer and they must be willing to buy the car because no matter what techniques you use to sell the customer they have to make the ultimate automobile buying decision.

Five Action Rules for Owners of Small Organizations: The Legend of Soichiro Honda

Mr. Soichiro Honda (1906-1991) was the founder of Honda Motor and became the first Japanese in the Automotive Hall of Fame in 1989. He has been also famous for his powerful leadership and charismatic personality which brought a small Japanese motorcycle manufacturer to the global market as one of major players in the automobile industry. This article will discover Mr. Honda’s action rules for owners of small companies.

Mr. Honda was a genius engineer and a great dreamer who made endless efforts to make his dreams true. The important point here is that his dreams become not only his employees’ dreams but also monument landmarks of the history of Honda Motor. When he got his dreams, very challenging ones, he did not wait to express the dreams in his company. While some employees might even be shocked by his very challenging dreams, his employees were eventually convinced and motivated by Mr. Honda to go for the dreams.

Once he saw his employees had start working for the dreams, he did not wait to show his absolute commitments to the dreams. He always talked about the dreams when he was working. He always ask employees progress. If they would need something to do for the dreams, Mr. Honda had no hesitation to support in any way. When he saw any progress, he was sharing excitements of the progress with his employees. He was really good at showing such progress to his employees so that they were not only making efforts for the dreams but also getting job satisfaction.

When Mr. Honda started producing small engines to make bicycles instant motor-bicycles in 1946, he got his first dream that he would produce the best motorcycle in the world. At that time, with his skills and experiences as one of the best automobile engineers in Japan, such a dream was seemed to be a very and almost impossible dream. At the time, Japanese products were very famous as cheap and shoddy. Honda’s motorcycles were far behind of the global standard, too.

Since nobody in the company could even imagine the global standard at that time, Mr. Honda had to express his dream in a way these employees could feel in somehow someway. What he did was to let his employees experience the global standard and competition directly. In 1954, Mr. Honda told his employees that Honda Motor was going to participate in The Isle of Man Tourist Trophy Race with its motorcycles. By having such a realistic dream, Honda’s employees could star working on checking great motorcycles that won the race.

When they found huge differences between their motorcycles and the great motorcycles, they showed their pessimism in their abilities. Mr. Honda immediately told them about his confidence in technological and engineering levels of all engineers of Honda Motor. He also showed his own commitment to this challenge as the president by working more than anybody else day and night. His employees started feeling comfort with such unconditional supports from him and being confident about themselves as a team.

In 1959, after 5 years, Honda Motor participated in the race and won the 6th place, which was a great surprise and excitement for all employees of Honda. After the first successful race, Mr. Honda showed heartwarming appreciations to his employees and told them cheerfully and confidently another challenge in the race: the 1st place. He knew that people tended to feel burn outs when they accomplished their dream after endless efforts. He did not let them feel the burn outs by giving them another dream. After all, Honda Motor team won 4th place in 1960 and 1st place with new records in 1961. He and his employees made the first landmark together.

Once Honda became the leading motorcycle manufacturer in the world, Mr. Honda showed another dream with automobiles that they had just started producing in 1963 as the youngest automobile manufacturer in Japan. With the fact that other Japanese automobile manufacturers had already started competing in the global market, Mr. Honda expressed his intention to produce automobiles that could win out in the global market.

Mr. Honda’s ways of expressing this dream was very similar to that of the motorcycles. He decided to participate in the formula one world grand prix (F1 GP) in 1964. Since his employees were so confident in themselves and looking for another challenge after their success in the accomplishment in The Isle of Man Tourist Trophy Race, they immediately accepted and started working towards the F1 race. Needless to say, Mr. Honda’s commitment was so serious that he gave any supports to his employees.

In fact, in 1964, Honda’s first challenge in F1 GP in Germany won the 13th place. Similar to The Isle of Man Tourist Trophy Race, Mr. Honda shared more challenging dream that Honda would win the 1st place in the next F1 GP in Mexico City. Then, Honda won the 1st place Mexico. He and his employees made the second landmark together.

In 1970s, air pollutions had become so serious and emission gas of automobiles was considered as one of the major causes of such air pollutions. With strong supports of public opinions, the US congress passed a comprehensive regulation of automobile emission gas called as the Muskie Act of 1970. While many automobile companies saw this act as deadly fear, Mr. Honda found a new dream in the act. The dream: Honda would produce the first mass-produced green automobile engine in order to contribute to solve the air pollutions. This became another landmark. Honda’s employees worked very hard with Mr. Honda and eventually invented the first green engine called as CVCC (Compound Vortex Controlled Combustion) engine in 1971.

Based on these three stories of Honda’s landmarks, we can find several leadership actions of Mr. Honda. We will give 5 rules for owners of small companies to be great leaders who can make their companies very competitive and successful.

Rule 1: Have Dreams and Share the Dreams with Employees

You must have dreams and know ways to share the dreams with your employees so that they can understand, accept, and make efforts. You make sure that your dreams are strategically connected to not only improvement of competitive advantages of your company but also job satisfactions of your employees. If a dream came true even partially, you must give heartwarming and sincere appreciation and congratulations to your employees before give them another dream and motivations.

Rule 2: Keep Challenging

A leader must show powerful and endless commitments and efforts to the dreams. You should know that your employees would not give up easily as long as you keep challenging with powerful commitments and endless efforts. At the same time, you will notice that your commitments will make very positive and comfortable environments for your employees to make their best efforts without worries of failures.

Rule 3: Be Confident

You must show unconditional confidence in your employees in order to create a powerful company-wide confidence. Especially, having the powerful company-wide confidence will make your organization a learning organization which will continuously improve organizational effectiveness and efficiency. It is also important for you to know that your unconditional confidence in your employees will create corporate culture of mutual trust and supports among your employees. This will particularly important for small companies with limited resources.

Rule 4: Be Optimistic

You must be a mood maker of your company. Especially in small companies, leaders must know their pessimism will quickly make followers pessimistic. At the same time, leaders’ optimism can make followers optimistic and active in very difficult circumstances. In order to maintain optimism and be a great mood maker, you must have the strongest gut, confidence in yourself, and mental strength in order to be optimistic in the most stressful phases and situations.

Rule 5: Be determined

You make sure your commitments and efforts are concretely determined no matter how difficult the challenges are. You must ask yourself several times if you have been determined concretely enough to share your dreams with your employees. Without such determinations, you cannot convince and keep motivating your employees because they would feel your poor determinations. Mr. Honda determined and never looked back. He made every possible effort in order to attain the dreams. Remember that your seriousness is the most powerful motivation element in your company.

Mr. Honda made his company one of the most successful automobile manufacturers in the world. He also earned many honors and privileges. His last words on his deathbed were, “I did everything I could. I am completely satisfied. Thank you.” He died peacefully in 1991 and Honda’s employees voluntarily organized memorial ceremonies in three main factories in Japan in order to express their appreciations and respects to him.

The Importance of Learning

Let’s define what learning is. Learning is the acquisition of knowledge or skill through education and experience. Our ability to learn and our intellectual capacity are intangibles. However, these intangibles are your greatest assets because everything you do to reinvent and update your knowledge allows you to grow from where you are today to where you want to go. Learning is a prerequisite to growth.

Learning is vitally important because it helps us make informed choices about our own lives and the societies that we live in.

The world is always changing around us. There is nothing anyone of us can do about the changes that happen in industries, technologies, etc. Remember the birth of the automobile? What did the first automobile look like? Now after getting that mental image in your mind, compare it to the automobiles today. We can all agree there are huge differences between them. The automobiles of today are a direct result of human beings gaining a deeper understanding of how cars can operate. This can only happen through a commitment to lifelong learning. If we are to ever progress in any area of our lives, we must heed the call to lifelong learning.

We must acquire this fundamental discipline because it is as normal as food and physical exercise.

Some may think that learning is a luxury for a few individuals or learning should be concerned with our early years. It should be looked at as something well beyond formal schooling. It encompasses our entire life cycle.

Recognize that lifelong learning is a journey with no end in sight and that no one can ever have all the answers. We must have the humility or willingness to learn from others. In other words, learn from the experts. We will never live long enough to learn it all on our own.

The conscious pursuit of learning, just like excellence is what really counts. We must accept the fact that change is inevitable. We must all thrive on change and never be intimidated by it.

Change is the result of a willingness to try out new approaches, observe the results, and to include the feedback into new initiatives.

Learning allows us to stay ahead of the game. If you don’t render yourself obsolete someone else will, like your employer. It’s the price innovators will gladly pay for staying ahead of everyone else. In order for you to create the new results you want in your life, learning is a path you must be willing to take. It provides the opportunities to continually expand your capacity

Perhaps the most important thing you can do for yourself and your future and your family, which will automatically include generations to come, is to challenge yourself to commit to being a student for life as the pursuit for knowledge is one of the smartest investments you’ll ever make.

What have you learned today? What new skill will allow you to move forward from where you are now to where you want to go? Have you heard of the quantum leap strategy?

When you change your thoughts your change your results!!!!

Is it Better to Buy or Lease a Car After Bankruptcy?

If you want to get approved at the best possible terms when buying a car, it’s important you know a car lender’s credit guidelines before you apply for credit…especially if you’re bankrupt.

It will save you time and frustration–but more importantly, it will help you avoid credit inquiries that may lower your FICO credit scores up to 12 points per inquiry.

Step 1 in making a lease or buy decision is to determine a lender’s credit guidelines.

You start by asking if they lend to people with a bankruptcy. If so, on what terms?

That’s right. You have to be upfront that you’ve filed bankruptcy. Don’t hide it. We have to face the fact that some dealers just won’t work with people who’ve filed bankruptcy. So our job is to find the ones that do.

Some lenders will only lease to people with a bankruptcy. Others will only offer purchase financing. Yet still others will only lend using a hybrid of the two–this is especially common in Texas.

Ask the finance director at the dealership to direct you as to what structure the manufacturer prefers.

And here’s a quick tip for you: if your bankruptcy doesn’t appear on the credit report your lender pulls–then, in the eyes of the lender, you’re not bankrupt.

The only lenders I would consider using are:

– First choice: Captive lenders (car manufacturers)

– Second choice: Banks (not finance companies)

– Third choice: Credit unions

Ninety-nine percent of the cars I’ve leased over the years have been with captive lenders. Just one was leased by a bank.

That particular deal came from a conversation I had with Amy, the finance manager at the local Land Rover dealership here in Indianapolis. I told her I was open to her financing recommendations, but I preferred financing through the car manufacturer.

I told her my current FICO scores. She immediately said that with my scores she could do better through a local bank. I signed a credit application and told her to go for it.

The next day I signed a lease agreement with that local bank. Being open to her advice literally saved me hundreds of dollars a month on that car.

So be flexible…but be careful. It seems most car dealers call all of their funding sources banks. When in reality some are banks, some are credit unions, and most are sub-prime finance companies.

Here is a list of some of the most commonly used sub-prime auto finance companies:

1. HSBC Automotive

2. Capital One

3. AmeriCredit

4. WFS Financial

You want to pass on the sub-prime finance companies–unless you have exhausted all other options. Sub-prime lenders should be your last resort.

And only use credit unions if they report to all three national credit reporting agencies. How do you find out if a credit union reports to all three credit reporting agencies?

Simple–you ask. Ask the branch manager at the credit union if they report. And after you get the loan, check all three of your credit reports and make sure their trade line appears on each one.

The three worst luxury captive lenders to lease or purchase from after bankruptcy are:

1. BMW

2. Mercedes

3. Porsche

The three worst mainstream captive lenders are:

1. Honda

2. Kia/Subaru

3. Toyota

What makes these the worst?

Once these lenders see that you’ve filed bankruptcy, they are less likely to work with you. However, if they are willing to work with you, they’ll want you to be at least several years from discharge and have perfect credit during that time.

Now that I told you how bad the above six lenders are–there are times where they may offer you good deals. For example, if one of the above happens to be the biggest dealer in your area, they may be able to offer you special deals that a smaller dealer can’t.

Of course, things change all the time with captive auto lenders. They change their credit guidelines on a whim to meet their own financial goals. So, it’s always a good idea to at least research these dealerships–just don’t get your hopes up too high.

OK, so you’ve done your research and narrowed down your choice to one or two car manufacturers.

Step 2 in making a lease or buy decision is to purchase your FICO credit scores.

It’s important you have your most recent scores when you talk to car dealers (just like I did with Amy). It puts you in charge.

When you enter a dealership with your FICO scores, the dealer will know you’re a more informed consumer and cannot be taken advantage of. Just know that the FICO credit scores auto dealers use are a little different than what we see as consumers. The scores the dealers review are called FICO Auto Industry Option Scores. The good news…these FICO scores may be higher than your normal FICO scores if you paid all previous auto loans as agreed.

Some car dealers have told me that if your FICO scores are higher than the scores the dealer reviews–they may even use your scores to get a better deal.

You can buy your scores from myFICO.com.

Step 3 is to interview the remaining car dealers on a deeper level.

Start by asking them these questions:

– Which credit reporting agency do you use to make a lending decision?

– What is your minimum credit score requirement to get approved?

– What credit score is needed to get the best interest rate?

– Do your lenders prefer offering lease or purchase financing to a bankrupt debtor?

– What incentives are there to lease or purchase right now?

At this point it’s important to remain open to either leasing or purchasing. Evaluate your options and incentives. Remember, you’re buying the financing. In other words, the most important factor is the willingness of the lender to loan you money.

I personally view the lease versus buy decision in three ways:

1. If you’re recently recovering from bankruptcy, the only thing that matters is if you can get approved at an interest rate you can afford through a lender that reports to all three national credit reporting agencies. So you should only consider lenders that are bankruptcy friendly.

2. Once your credit scores begin to increase, you can start selecting cars based on which credit reporting agency the lender uses to determine if you qualify. Obviously, you should choose the lender who uses your highest FICO credit score to make a lending decision.

3. When your scores are high enough…or two years have passed after your bankruptcy…or your bankruptcy doesn’t appear on the credit report the lender uses, then you can choose almost any car you like. But make sure you still do your research and use your credit scores to help you compare interest rates, terms and incentives.