CNG Conversion Kits and Natural Gas Conversions - The New Fuel Alternative

It's on everyone's minds these days. Gas going up 10 cents every week. Everyone is cutting spending, walking, and selling their SUVs just to make ends meet and stay afloat financially. People that once snickered at people using mopeds to get to work, are now actually considering it as an option.

Fingers are being pointed everywhere: OPEC, Iraq, Congress, commodity brokers, and even gas station owners. Car manufacturers are even dropping their truck divisions, focusing on smaller cars. I just heard of a large dealership that sold 1 truck in the past month, and getting worse.

As alternatives abound, one solution I don't hear a lot about is the propane option. Most everyone has heard of a propane-powered car. A lot of state governments use them in their fleet, but it has rarely gotten the attention of the general public. I just drove by my local gas station, and the price doesn't seem to be much different from normal gas, but that's just at the gas station. If you go to the 'special' public stations, prices are much cheaper. If you are one of the lucky ones in Utah, propane can be as cheap as 63 cents a gallon. Uhm, yes, that is correct - 63 cents. So if you needed to fill up your 20 gallon SUV, that's a total of $12.60 - compared to $80 normally. That's a significant savings!

So you are saying, "What's the catch?" Well, there are always some. First you either need to buy a vehicle that runs on propane, or you can convert one. I've read many articles around where people are paying $6,000-$10,000 for a conversion. For most people, that's ridiculous. You might as well buy a new car, or wait 8 years before you'll recoup your cost. I wholeheartedly agree. .. . . BUT . . .there is an alternative to that.

A different type of propane called CNG (compressed natural gas) is a very viable option. A company in Argentina (Galileo) has been specializing in this particular propane conversion technology since 1983, so they've worked out all the bugs. They manufacturer kits where you can convert almost any vehicle to CNG. The kits themselves run under $2000, and if you are somewhat mechanically-inclined, you can install it yourself. The kit comes with a set of instructions to complete the conversion from A to Z. A new company has been established that is the only distributer for these kits - CNGOutfitters.com. With exclusive rights for distribution in the USA, they provide kits, instructions, tanks, and installation.

But do not forget to get the correct tank for this kit. Installing an incorrect tank can cause major problems down the road if you are not careful. They have to be DOT stamped and certified. CNGOutfitters provides specifications on where to install the tank on your car, and how it needs to be installed.

There are other options out there. Electric cars are out there, but years from a viable solution. Hydrogen doesn't solve the problem, since they use as much fossil fuel to produce than it makes. Propane is the best current alternative that already has the infrastructure and technology in place. It has a solid foundation and proven stability which will continue for years to come.

Car Loans For People With Fair Credit

If you have fair credit and it not have anything tragic on your credit report, then there are a few good sources that you can use to obtain auto financing. If you have tried to obtain a car loan at a local dealership or two, have been turned down and are looking for an approval and a good interest rate, then there are sources that can help you in obtaining a "fair credit auto loan".

If you have a really good credit score, you can go pretty much anywhere that you want to, to obtain a car loan.

If you have a fair to marginal credit rating, then you can expect to pay a slightly higher interest rate however, there is absolutely no reason that you should have to come up with a down payment to put down a car. The only reason you would ever need a down payment is if the price of the car far exceeds the loan value. If the price of the car exceeds the loan value by very much, then you are getting a good deal anyway and should avoid that type of deal. In other words, don't give a dealer a down payment because you don't have to. It's simply a matter of understanding the system.

If you have fair credit, the easiest and fastest way to obtain a car loan is online. It used to be that only the major lenders accepted applicants on the Internet, now second chance finance and secondary lending sources have programs that allow you to get started online.

One thing to keep in mind, is that although there are many offers for car credit online, make sure that you're dealing with a reputable source. All companies and websites are certainly not created equal and it's in your best interests to use sources that are reputable.

Car Total Loss - Determining And Settling The Value Of Your Car!

What is the car total loss process? Once you are in an
accident, the insurance company must inspect the vehicle and determine whether
the damage was substantial enough to declare a complete loss.

Most insurance companies will want to inspect the vehicles
themselves. In most accidents, insurance companies have approved body shops
write estimates and they eventually issue payment based on that estimate.
However, when there is a potential for a car total loss, most insurance
companies want their insurance adjuster to inspect the vehicle.

The reason for this is the conflict of interest that arises
from the arrangement between the insurance company and the body shop. Body shops
are in the business of fixing cars. They have a vested interest in quoting the
repairs so the car can be fixed and not declare it a car total loss.

For all practical purposes this means that you will be
waiting longer. Usually it takes two to three business days for the body shop to
issue a repair estimate. If the claim adjuster or the field representative has
to inspect and write their own estimate, then you will be waiting three to five
more days to get to the location of your car.

Before the adjuster comes out, she/he will submit all
pertinent information about your car (year, make, model, and mileage) to a third
party company. This company usually is CCC
Information Services Group, Inc.
CCC will do a preliminary report to
determine what the value of your car is so the adjuster knows what the insurance
company would be looking to if there is a total loss.

Depending on your state law and the specific insurance
company, there will be a car total loss when the insurance company believes that
the cost to fix the car reaches 70%, 80%, or even 90% of its total value. It is
always a good idea to ask the adjuster what is the threshold they use to
determine a total loss.

When the vehicle is being estimated by the car total loss
adjuster, this individual will be looking at the condition of the vehicle. They
will note how "clean" the vehicle is, what is the exact mileage, and what
equipment and options the car has. All of this information will be reflected in
the final evaluation of the vehicle.

The adjuster will then submit the inspection report again
to CCC. CCC will send a final report showing comparative prices for the vehicles
in your local market. They will establish what the fair market value of the car
is and what a fair offer of settlement would be. For more information on how to
dispute this report visit:
http://www.auto-insurance-claim-advice.com/car-total-loss-2.html.

Next, the adjuster must determine who the lien holder of
the vehicle is. If you have a car loan, the insurance adjuster must get that
information so they can contact the bank to determine how much is owed. There
are different requirements insurance companies must follow. If the insurance
company you are dealing with is your own (you are claiming the car total loss
against your own insurance company) then they will be bound by the terms of the
policy, which 99% of the time requires them to pay the bank first. If you are
making a total loss against someone else's insurance company (the person that
hit you), then this requirement does not exist (there is no actual policy to be
bound by).

If you have a loan, then the insurance adjuster will
request from the bank a Letter of Guarantee. This letter is an agreement between
the bank and the insurance company that for the payment of x amount, the bank
will release the title of the car to the insurance company directly. This
process usually takes four to five days.

If the amount you owe for the car is less than what the
insurance company will pay for the car total loss, then the insurance company
will pay the loan amount and then issue you a second check directly. If the loan
amount is higher than what the car total loss offer, then you will be upside
down your loan. You will be required to continue making payments even though the
car title will be transferred to the insurance company.

Once you receive payment for your loss, you will be able to
go out and get another car. For more information the total loss process and how
to protect your interest, visit:
http://www.auto-insurance-claim-advice.com

Bike Riding for Weight Loss - Tips for Beginning A Bicycling Plan

If you are one of those people who leisurely pedal around the block or over a flat stretch of scenic road, you've probably been riding for sheer pleasure. Riding bikes for pleasure is a good form of aerobic exercise. But unless you map out a plan to "push yourself," you probably won't lose much weight.

I really get sick of hearing people say, "No pain, no gain!" But the old adage is true when it comes to riding bikes to lose weight. By pushing your cycling distance or speed, you are sure to feel some pain in your leg muscles, your hands, wrists, and your derriere-- even some pain in your throat and lungs as your body tries to accommodate your increased demand for oxygen.

HEALTH TIP: Stretching exercises prior to exercising are helpful in preventing injury!

GETTING YOUR BICYCLE READY...TO ROLL OFF THE WEIGHT

Your first concern will be outfitting your bicycle. If you need an excuse to purchase a new bike, this is an excellent opportunity! I went from a 3-speed bicycle for leisure riding, to a 24-speed bicycle for more committed exercising. Once I learned how the different gears worked, I was very thankful for the extra speeds. They make my ride faster and the hills a lot easier to handle.

We've found the guys at the bicycle shop to be very helpful, and concerned for our unique cycling needs. Rather than simply steering us toward the most expensive bicycle available (as I had expected), they asked how much riding we would be doing, whether we were trying for speed or leisure, and whether we would be riding on paved roads or dirt trails. When you honestly share your goals and level of experience, the sales clerks can match you with exactly what you need. They want you to be successful in your biking venture!

Some state laws require bicycle lights. But if you will be riding anytime from dusk to dawn, common sense demands that you have lights on your bicycle. These little accessories are battery-operated and last a long time. There are a variety of lights to choose from. My tail light has different blinking speeds, and is designed to make my bike visible to cars approaching from both the rear and the sides. Check for brightness before you buy one. Install the light where it makes the most sense.

We held off on buying a speedometer and odometer unit for our bikes, but once we got serious about losing weight and getting in shape, this feature became a "must have." You simply cannot track your progress without knowing how far and how fast you're riding.

If you already have a bicycle, take it to the bike shop for a safety inspection each season. They should check the gears, tires and brakes to make sure everything is working properly. They can adjust your seat to fit your height and adjust the handlebars to fit your reach, making your ride more comfortable. If you're lucky, they might even clean and polish your bike!

If you want to save money in the long run, you can find books and videos that teach you how to care for your own bicycle. It's always a great idea to know how to change your own flat tire and adjust a loose chain.

Another must have is a bicycle pump. Ask your bike dealer how many pounds of air pressure to put in your bicycle tires. Check the tires each time you get ready to ride! We guessed at the air pressure one summer day, and lived to regret it. We rode the bikes to the swimming pool, not realizing that one tire was too full. While we were cooling off in the water, the hot sun was rapidly expanding the air in the tires-one tire blew as it sat in the parking lot. The day in the sun was not so fun, once the pool closed and we had to wait for a truck to haul us home!

HEALTH TIP: Talk with your doctor first, and get his or her blessing before you increase your rate of physical activity!

STAYING COMFORTABLE ON YOUR BIKE

Sitting for long periods of time on a bicycle seat can cause pain, discomfort, and even serious blood circulation problems in avid bicyclists. At your local bike shop, you'll find a variety of bicycle seats made specifically for your comfort and health. The salespeople at our local bike shop encouraged us to try out new seats on our bikes for a few days. My husband found the split seat to be more comfortable for himself, while I opted to keep my old gel seat. Someone has even invented seats that look more like a bird perch than a bicycle seat!

HEALTH TIP: Get off your bicycle seat and walk around every 25 minutes or so to get the blood flow to important unmentionable parts of your body.

Think about your clothing...you don't have to have padded biker shorts and special clothing to start riding bikes. There are actually scientifically engineered fabrics designed to pull sweat away from your body in the summer and to keep you from getting hypothermia in the winter. But for now, just wear layers of comfortable sports clothes.

Make sure your clothes aren't so tight that you are miserable trying to pedal. But they shouldn't be loose enough to become entangled in the bicycle chain, either! If you become overheated, strip off a layer. If you get cold, add a layer. Wear light or bright colors to allow drivers to see you easily.

It really helps to have a small cargo rack on the back of your bike. Mine looks like a little shelf over the back tire. It has two bungee cords to keep any cargo securely fastened to the bike. I've used it to tote a small picnic cooler, a shopping bag or extra clothes.

I had the bike shop attach a water bottle holder to the bike under my seat. I can grab a quick swig as I ride or pour some water over my pulse points to cool off a bit. Take small sips of water when needed during your bike ride, rather than chugging huge gulps.

A helmet is almost a must. Life is filled with hazards-and biking has its share. Be smart. Wear a helmet. You can buy a cool rear-view mirror for your helmet. The mirror helps you see when it's safe to turn and lets you observe traffic coming up from behind.

I recommend wearing sunglasses-both for the sun and for bugs! At certain times of the year, the air is thick with flying insects. Getting a tiny bug in your eye is a painful event. For contact wearers, carry a contact case and lens cleaner on bike rides for just that reason. Some day you'll be glad you did!

HEALTH TIP: Shake your hands downward frequently to get the blood flowing and to prevent pain or numbness in your arms and hands.

MAPPING OUT A WEIGHT LOSS PLAN

You will want to keep a record of your daily diet and food intake, your weekly body measurements and weight, as well as your bicycling miles and time.

The web site http://www.OpenFitness.net is an excellent way to track your progress. It is very easy to use-simply type in your information you wish to track. As the only community fitness web site of its kind, you'll find it to be a fantastic motivation tool that will print out charts and graphs to show how much progress you've made in a few days, a week, or a month!

It keeps track of your food, vitamin, and supplement intake. Thousands of foods have already been analyzed by experts for number of calories, fat, carbs, and protein. You simply select the foods you ate from a pull down feature, and the daily total is tallied for you. Make sure you don't exercise when you've just eaten, or when it's almost meal time. Both times will slow you down.

No matter how humiliating it is, measure your arms, legs, chest, waist, neck, hips and thighs once a week. The software keeps track of your weight and body measurements. The thrill of seeing those same inches melt away in the coming weeks will be worth the effort. It's especially impressive seen as a graph!

Consider investing in an instrument that actually measures body fat-there are inexpensive pincer-type instruments that measure fat by pinching you, or buy a set of bathroom scales that cost more but calculate body fat quite painlessly.

Try to ride 4-6 days per week. When you map out your weight loss plan, your short-term goals will change as you change. You'll quickly develop stamina for longer distance. As fat turns to muscle, your speed will increase. Each week, try to increase either your mileage or your speed.

You know how far you've been able to ride, thus far. Start keeping track of the exact route you are taking, the total mileage, and the length of time it took you. Make notes in your records for special circumstances. Did it get dark outside so you were forced to cut your ride short? Did the road crews dump a layer of gravel on your normally paved road?

What was the weather like? Was it dangerously hot? Was it windy? The wind can be your friend or your enemy. When the wind is behind you, your ride is a breeze...but coming from any other direction, be prepared to huff and puff. Accept any length of time as a job well done and simply get the ride accomplished!

Finally, add an upper body workout three times per week. Bicycling works your legs, but to get the rest of your body firm and trim, you'll need to exercise your upper body, as well. The http://www.openfitness.net web site, created by a certified personal fitness trainer, has excellent features which allow you to design and track this portion of your fitness program, as well.

Bicycle riding is a fun, inexpensive form of aerobic exercise-it's good for every part of you. But be warned-you will need to buy a whole new wardrobe for the thinner, more beautifully fit body that emerges!