Warping Automobile Disk Brake Rotors Are Preventable

In the aircraft and aerospace industry, the standards required for various components, parts, and specifications are considerably higher. Everything built for the aircraft and aerospace industry is light and strong. It is the “AND” part of that sentence that makes the parts expensive, not the “light” part. Automobile manufacturers today who build high-performance and sophisticated vehicles understand the “light” part, but not necessarily the “strong” part. But what they do understand is how much force can be applied to these parts before they succumb to failure.

Today’s brake rotors (or disk brake system) are built very light with advances in technology such as slotting, cross-drilling, cryo-treating and many other advances to allow the brakes to breathe better and last longer. However despite all this technology that goes into the rotors, they are still not strong enough to withstand a mechanic’s error. How often have you had a car pulsate when applying the brakes? The reason this happens is because the lug nuts on your wheels were not torqued down to specifications set out by the manufacturer. Every mechanic shop you walk into, you can always hear the distinctive sound of the air wrench being used to loosen and tighten parts and lug nuts. These air tools are capable of putting out an immense amount of torque, but that is where the problem starts. The torque setting on these air wrenches are preset to a single setting (usually the strongest), never changed, but used to tighten down everything on your car. BAD!

Today’s modern vehicles are built almost like airplanes and have very acute specifications that must be followed. The most commonly made mistake by mechanics and car owners are to over-tighten the lug nuts on the wheels of their cars. Some even go as far as jumping on the tire wrench to ensure that the lug nuts are “tight” and that the wheels will not “fall off” while driving. However, over tightening your lugs will lead to premature failure of your brake rotors as seen by warping or deformations in the rotor. It may also lead to wheel bolts “snapping” when over-tightening the wheels stretches and weakens the bolt.

It is therefore important to ensure that your lug nuts are tightened to the appropriate specifications and to do that, there are several things you can do. For most vehicles, the lug nuts need to be tightened down to 70-100 ft-lbs using a good quality torque wrench. However, you do not need a torque wrench to tighten your lug nuts correctly.

The approach I have always taken is to tighten the nuts as tightly as can be done with your fingers first. Then taking a tire wrench, tighten the nut without apply much effort until you feel some resistance. Then simply (without jumping on the tire wrench), put your body weight on the wrench until it stops turning. You do not need to jerk your body to ensure that there is more room to tighten. In general, if you follow this practice, you will put about 80-90 ft-lbs of torque onto the lug. Do this consistently for all your wheels to ensure that your brake rotors have maximum life. However, for best results, I still recommend acquiring a quality 1/2″ drive torque wrench, my favorite being the Neiko Pro line that I use religiously for every mechanical work conceivable.

It is a worthwhile investment and they typically range in price from $20-40, which is cheaper than a single brake rotor for your car. The brakes and wheels are the most important components of your car and therefore, requires the most care and attention. Go check your lug nuts today.

How Closing Accounts Can Kill Your Credit Score

One of the major factors of how your credit score is calculated is your capacity. This is the ratio of credit used to the amount of credit that is available. This accounts for 30 percent (almost a third!) of your credit score. For example if you have 5 credit cards with a $1000 limit and you have 3 of them maxed out and 2 of them inactive your capacity would be at 60 percent, $3000 of your $5000 total credit limit. This is not good in the eyes of the lenders and your credit score would suffer because its ideal to be at 10 percent of your capacity.

Remember a credit score is a formula measuring your ability to pay back your debts and obligations. If you have a high capacity and little room left for your maximum then your ability to pay back your obligations is viewed as more limited.

So in the example above, lets say you decide to close the 2 inactive cards for whatever reason. Nowadays, the credit card companies will charge a fee to inactive cards so a lot of people are now closing their inactive accounts. Well unfortunately, they are killing their credit score. If you are maxed out on three cards and you close the other 2, guess what, you are now at 100 percent capacity because your total credit limit is now $3000 instead of $5000. I know from personal experience this will cause your credit score to plummet.

My advice? Don’t close your inactive cards. Use them once a month, maybe for gas, or treat yourself to a latte from Starbucks. Then pay them off immediately so you don’t incur any interest. Do what you can to pay off the cards that are maxed out, or at least get them down to where your balance is under 10 percent of the limit. If you can, try to transfer the balance to a lower interest card, so it can save you a few bucks on the interest. This strategy is sure to improve your credit score because capacity is a major factor, and if your capacity improves, your score improves.

Asking your bank for a credit limit increase on some of your cards isn’t suggested nowadays, this is a strategy that old credit repair people recommended but in today’s economy with the credit crunch, it prompts an account review, which for some quirky reason, may cause the banks to LOWER your credit limit. This would damage your capacity as well.

You are already disciplined enough to not spend on two cards. You are unique in today’s credit crunch world, use your discipline to your advantage, don’t close your accounts. You will be doing more harm to your credit score than good.

The Pros And Cons Of Affiliate Marketing

Making money is a priority for everyone. After all, just about everyone could use a bit of extra money right? Well, today, more and more people are turning to the lucrative field of affiliate marketing to make cold hard cash. In fact, many Gurus argument that there is a lot of money to be made with promoting other people's products. However, as a newbie Affiliate Marketer myself, I can tell you that there are some advantages and disadvantages to this business model. In this article, we'll discuss both.

First of all, if you do not know what affiliate marketing is, do not feel bad, I did not either at first. Affiliate marketing is basically a cooperative agreement between a merchant, and an online affiliate. The affiliate gains contracts by providing customers to the merchant.

There are typically three payment structures for affiliates. With pay per click payment structures, affiliates are paid when the customer visits the merchant from the affiliate's site. On the other hand, per lead payments are made when an affiliate reiter someone to the merchant's site and that person fulfills the required action. For instance, let's say you're an affiliate for an insurance company who pays you when prospects fill out an application. In this instance, you'll be paid when someone submits a valid application which is called paid per lead. The third type is called pay per sale. During this instance, an affiliate is paid only when a potential customer purchases the merchant's item.

Advantages of affiliate marketing:

o Money, money and more money. There is a lot of money to be made with affiliate marketing and many people make great incomes promoting other people's products and services.

o You can be your own boss. You work when you feel like it, or when you are able to. You basically write your own paycheck with the amount of work you can do. When you need extra earnings for holidays, or paying a really huge bill, you just invest more time into marketing products and make more money.

o Promote what you love. You can promote any product that you want to promote. There are literally millions of products to choose from, you simply have to find one that you like and go for it. In fact, some affiliate marketers test out niches and then produce their own competitive or complimentary products. By thinking outside the box, they are able to rake in even more money.

o Earn money while you sleep. You earn money continuously, even when you're not on the computer. You do not have to monitor your work with an affiliate program, because the customers will go to the merchant's sites whenever you are online or not. In fact, you can even make money while you were sleeping … what could be better than that?

Disadvantages of affiliate marketing:

Now that we've discussed the advantages of affiliate marketing, we'll now discuss the disadvantages.

o Hard to find good products. It can be tricky to find a product that is worth promoting. There are literally millions of products that you could promote and it is sometimes hard to focus in on just one.

o Dishonest merchants. It can be difficult finding a merchant or vendor that is really honest and legitimate. In fact, there are some merchants who are dishonest that they lie and refuse to give you credit for your referrals. In some cases, these merchants would rather shut down their businesses than pay up. And, the bad thing is that affiliates basically have little recourse whatever.

o Lots of competition. There is a lot of competition among affiliate marketers, especially for the good products. In fact, some technically savvy affiliate marketers have even figured out clever ways to steal commissions using special equipment. Although there are some precautionary measures affiliate can take, this can be quite problematic.

o It's not your product you're promoting. As an affiliate marketer, you are basically promoting someone else's product or service so your responsibilities are in their hands. If they decide to quit the program or reduce the responsibilities, you'll have no say so whatsoever.

In conclusion, there are advantages and disadvantages of being an affiliate marketer. Although there is great potential to make substantial income, marketing other people's products, puts you at a disadvantage. Therefore, your best bet is to take your time, test it out and build your own product so that you can get others to market it for you. That way, you'll be the one calling the shots.

Baby Clothes Overstock and Clearance Items – Why Donating Makes Sense

Retail clothing storeowners inevitably face the same situation year after year – a surplus of last season's styles in some form or another. This is good news for the consumer, as prices on these items are typically slashed well below retail in order to make room for new products. But what to do with the clearance items that remain on the shelves well into the next season? Or what if there simply is not enough room to hang on to these items any longer once new products arrive? Storeowners who find them facing these questions may want to consider donating overstock and / or clearance items to a worthy charitable organization.

In many cases, making a sizeable donation will not only benefit the many people touched by the organization receiving your donation, it may make a positive impact on your bottom line by allowing your business a tax write-off at the end of the year. If you are considering making a sizeable donation, you may first want to contact your tax advisor to discuss how the donation would affect your tax scenario.

It is advisable to spend some time researching potential organizations prior to donating. There are seemlessly countless organizations out there that are willing to take donations of clothing and accessory items. When choosing an organization, make sure first and foremost that the organization is not-for-profit, as this ensures the potential tax-benefit of donating. It may be easier to locate large national organizations, but it is worth to research smaller local organizations as well. These local organizations often do not receive the level of exposure necessary to meet their demands at the same level as larger organizations. As is the case in so many situations, the internet is generally the best source of information for researching charitable organizations. In addition, consult your local phone book, and ask around. Chances are you already know someone who has some sort of connection to a local charity – use those connections!

Once you have selected a non-profit organization to receive your donation, it is important to obtain a single point-of-contact within the organization. This person can organize the receipt of your donation, which in many cases can be arranged to take place at your business or warehouse. It is a good idea to provide an itemized list of the donation, including wholesale value, to your point-of-contact at the time of the donation. This list will not only help to document inventory in your records, it will also be a helpful tool for the charity to reference while incorporating the donation items into their existing product supply. In turn, ask that they provide you with a "letter of receipt", acknowledging and referencing the value of the donation. This letter will provide documentation that will be needed to validate the tax write-off. Be sure to discuss the significance of this letter with your point-of-contact prior to making the donation, and follow-up soon as the donation is made to be sure the letter is generated in a timely manner.