Q : What is Car Loans?

A : Car Loans are designed for those who wish to finance a car for personal use. It is the way you can borrow money from future. A car loan can give you immediate use of the car of your choice in exchange for regular payments over an agreed period of time.

Q : How about Features of Car Loans?

A : Before you make a decision on car loan which you choose, make sure that your financier offers them. Generally the features of car loan are detailed as follow.

- Payments can be arranged to suit your requirements.

- Cost like Registration cost, Road cost, Loan insurance & Comprehensive vehicle insurance may be able to be financed on the loan contract.

- For repayment, you can choose monthly or fornightly to pay during normally terms range from 12 to 60 months.

- A deposit may not be required, moreover if you do, maybe you will receive some benefits like lower repayment or shorter term.

Q : What is benefit for you?

1.If you also use your car for business purposes you may be able to claim part of the interest and depreciation charges as expenses against your taxable income.
2.Payments may be able to be made by direct debit from your nominated bank account.
3.You may build up equity in the asset.
4.Fixed payments for the term of the agreement allow for more accurate budgeting and protect you against interest rate fluctuations.

Saturday, October 6, 2007

Tip & Warning of How to Fix Cars Air Condition

Tips
1. If you suspect bad wiring, most compressors have a wire leading to the electric clutch. Find the connector in the middle of that wire, and unplug it. Take a length of wire and run it from the compressor's wire to the plus (+) side of your battery. If you hear a loud CLACK, the electric clutch is fine and you should check the car's wiring and fuses. If you get nothing, the electric clutch is bad and the compressor will have to be replaced. Ideally, if you can do this test while the car is running, you can see if the hub spins. Take care to keep fingers and loose clothes away from moving pulleys and belts. That would rule out a clutch that actuates properly but then slips so badly it won't generate pressure.

2. If your system is empty and you're refilling it, and have access to a small vacuum pump (like what they'd use in a lab or shop), it's best to suck all the air out of the system before filling it. Air contains moisture, and moisture is bad in AC systems because it corrodes things.

3. Your system will have a light oil in it. If you vent off any refrigerant, be prepared to wipe some oil off things nearby.

4. Another possible replacement refrigerant is HC12a which is used quite a bit more in Europe. It performs better than R-134a or R12. It is more flammable. HC12a is more eco friendly than R12 or R134a. Venting HC12a is not believed to cause environmental damage. Must be ordered on the internet as local shops do not seem to stock it. The issue is that shops will not work on a car that has other regrigerants in it. Special equipment is needed for each type of refrigerant's recovery. Standard R12 or R134a is a safer choice.

Warnings
1. Be extremely cautious about converting your old R-12 system to R-134a. The R-134a conversion kits sold at Auto Parts stores and even WalMart, are called "Black Death Kits" by some AC repairmen. Frequently, the new R-134a refrigerant will not circulate the R-12 oil and you will burn up your compressor. The R-12 mineral oil has chlorine contaminants that will destroy the R-134a PAG or POE special oil. The only way to reliably convert from R-12 to R-134a is to remove the compressor and flush out all the old oil with the new type of oil; then replace the old Receiver-Dryer or Accumulator with a new one; then flush out all the lines, the evaporator, and the condensor with special cleaner then vacuum to a steady vacuum; and finally charge with 70-80%, (by weight) of the original R-12 weight, with R-134a; and expect poorer cooling ability. It is much easier to keep the old R-12 system running with R-12 that is readily available via ebay.

2. Venting refrigerant -- even R-134a -- is illegal in the United States, so act accordingly.

3. NEVER connect refrigerant cans, oil or leak-detector cans to the "high pressure side" of the system. This is often marked with H or HIGH, or a red connector cap. Cans can explode, and that would hurt.

4. Stay away from major leaks of refrigerant. As it vents it will get cold enough to freeze your skin.

5. Look out for moving fan blades and fan belts!

6. HC12 is a hydrocarbon, usually some mix of butane or propane. It will explode with an ignition source. Light up a cigarette if you have an evaporator leak and your car becomes a bomb. Professionals don't use it because of this very reason.

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