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.

Pitlochry Vacations – What To Do When Visiting Pitlochry

Pitlochry vacations are now becoming increasingly popular not only with those who live in the UK, but also with tourists from around the world. Not only does this area of ​​Scotland offer some really stunning scenery but also there are plenty of other things that one can do while staying here.

In this article, we take a look at some of the attractions that you may want to consider visiting during a stay in Pitlochry. Surely, you may find that you need to stay more than a few days in order to enjoy everything that this town and the surrounding area have to offer.

1. Pitlochry Dam – This was built because a power station was needed to provide electricity to the area. When it was built, a new loch was also created and because of this, they had to build a salmon ladder, which allowed the salmon to get upstream, where they would breed.

During your visit to the dam, you are able to see a portion of the ladder that has been enclosed in glass to view just how the salmon make their annual journey to their breeding grounds. This actual exhibition is open from Easter until the last Sunday of October from 10.00 to 17.30 each day.

2. Eradour Distillery – This is the smallest of all Scotland's distilleries and upon your visit will be provided with a wee dram (small glass) of the whiskey that they produce. Tours of the distillery take place regular through the year, but during the winter months (November through to February) there opening hours are different from those in the summer.

3. Killiecrankie Visitor Center – This is to be found outside Pitlochry on the A9 and it is here where you can learn about the Jacobite Rebellion that took place in 1689. It was this rebellion, which was harvested to gain independence for Scotland from England. However, the leader of the rebellion a gentleman called John Graham was killed at the battle, which occurred at Killiecrankie, and this rebellion was defeated by the English troops.

4. Loch Rannoch – This is one of the largest and longest lochs in Scotland and is a short drive away from Pitlochry. This loch is in fact famous as it is actually included in Robert Louis Stevenson's book Kidnapped because he was so impressed with the loch's setting.

Along with the attractions, we have mentioned above when it comes to Pitlochry vacations you will find that there are plenty of other things one can do. Why not spend some time exploring the surrounding countryside. Alternately, if you are feeling a little more adventurous then why not try some water sports which can be found at many of the surrounding lochs.

There are lots of hotels and guest houses in Pitlochry to make your stay a pleasant one. You can then relax and take in the joys of this beautiful part of Scotland.

Some Things Your Car Insurance Company Won’t Tell You

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.

Zara Clothing For Kids

The clothing company Zara was founded by Amancio Ortega Gaina. He is not only the 8th richest person in the world (according to Forbes), but also the world’s greatest fashion business figure. The company was founded in 1975 in Corunna. Their mother company – Inditex Group (Industrias de Diseco Textil Sociedad Anynima in Spanish) has had little effect on Zara’s unique policies – Zara had always been the innovators, and their owners usually don’t care what Zara does, as long as it’s profitable. Their first store on the main street of Corunna was a great success and the brand expanded to other cities in 1980s, after that to Portugal and in the end – to the UK. Now Zara has shops all over the world, and they are continuing to expand.

The company has reached its highest amounts of sales recently, since its popularity in the fashion world is tremendous. There are more than 1,500 stores in over 70 countries and new ones are opened each year. Zara’s unique clothing and accessories are successfully sold to a diverse variety of costumers, crossing barriers of culture, politics and nations on their way to the customer. The team of a little less than 300 designers is outrunning the whole fashion world in terms of productivity, since it only takes two weeks for them to produce and deliver their new clothing to stores.

There are over 11,000 new clothing pieces produced every year. The company holds the productivity record that beats the adversaries’ companies at least 3 times. The product assortment is changing every month in the UK, so you can visit the store each month and find that everything is new. The company’s newest thing is selling children’s clothing. The stores are called Kiddy’s Class and they can be found in some parts of Europe; and even there the company plans to expand more.

Designing clothes for children is a completely new market. The interest in this new market has increased drastically over the past few years, since there is a tendency among celebrities to dress their children just like themselves. Of course, the ordinary parents want to do the exact same thing and make their children stand out. Zara products are a mixture of traditional and innovative clothing styles – don’t waste your time, try Zara clothing today!.