automobile market

Protect your Automobile From Rust

Are you worried about the appearance of your car? Is rusting of your car troubling you? You must be thinking what is the best solution for this rust menace? If the answer to any of these questions is yes I’m conserened then Rust Bullet is ‘Your knight in shining armor’ for your car.

Rust Bullet is a wonderful product that is like magic for your car. Rust is an agonizing problem that affects every metal product as well as cars of all makes and models. Automobiles are exposed to all the atrocities of nature and are more susceptible to rust and its aftereffects. Therefore it is very necessary that you take proper care of your car when it is kept outside all the time.

While selecting a rust product make sure that the Rust Prevention product is a long lasting one and is simple to apply. The auto paint should be multipurpose so that it can be used on all parts of the car. There are many Rust Prevention Products available in the market but most of them offer short term treatment to stop rust.

Rust Bullet is an effective Car Rust Removal product that is easy to apply as it involves a one step application process. You should apply two coats of the car paint to ensure that it provides protection for a long time. The paint is devoid of any Lead, Zinc, Chromates or Heavy Metals and therefore does not harm the environment, which is very important in today’s world. Rust Bullet also offers UV protection and superior adhesion. Independent lab tests have confirmed the superiority of Rust Bullet when compared with the market leaders Rustoleum and POR 15.

Rust Bullet requires very little or no surface preparation and can be applied directly on clean or rusty surfaces. It is easy to apply and maintain and you can use a brush, roller, or a spray gun to apply the paint.

Rust Bullet offers rust prevention products that can be used for various purposes in homes and industries. Rust Bullet home & farm is specially formulated for residential use while Rust Bullet commercial is for industrial & commercial use. Rust Bullet Black Shell can be used anywhere and Rust Bullet Rapid Fire Accelerator will shorten the dry time up to 80% on spray applications.

Visit the site www.rustbullet.com to learn more about these amazing products and forget about your ‘Rust’ worries once and for all.

David Ciglar
http://www.articlesbase.com/business-articles/protect-your-automobile-from-rust-107064.html

Market for Automotive Artworks Grows

Automotive Art
More Artists See And Feel The Beauty of Chrome and Metal

Online art marketplace www.DiscoveredArtists.com reports a growing number of artists who are caught up in capturing cars on canvas.  Although these artists can choose from a world of subjects ranging from naked ladies to breathtaking landscapes and crashing waves, they are fascinated by the lovely curves and flashing metal of car bodies.

Automotive art typically falls into three categories.  Beauty shots that usually are very tight, detailed fine art photographs, nostalgia artworks that set a mood or capture a feeling, and realism portraits where the artist creates a photo quality image of a vehicle using brush and paint.

Automotive beauty art typically is the work of fine art photographers who can turn a tight shot of a hood ornament into a masterpiece.  The fascination and the challenge for an artist is to capture the reflection of light and shadow on polished metal.  The artist sees beauty in the interesting lines, curves and intricate details of grills, chrome strips and other ornamentation that distinguishes one make and model from another.

Working with different types of lenses and by using a number of lighting and digital processing techniques, a fine art photographer focuses his lens on an intricate detail of a car’s body.  His challenge is to capture the reflected light and shadow created by the bends and curves of the metal, and to use his artistic eye to effectively frame the image.
 
The successful result produces a balanced image of vibrant color and contrast that at first glance is simply a beautiful artwork.  But, what adds interest to the artwork is that the image invites the viewer to puzzle over and then decipher the make, model and featured body part.  What appears to be a colorful portrait may on further study be a hood vent, the chromed curve of a fender, a door handle, or a tail light shot with a macro lens.
Classic Car Orange painting by Paul Hasara
Classic Car Orange 07.15.07-018 is one in a series of 36 images by fine art photographer Paul Hasara.  Art buyers appreciate this artist’s attention to detail, his artistry and his technical skill.  Hasara skillfully captures the small shadow of the hood ornament, the vibrant color and interesting mirrored reflections in the chrome.  His artistry is evident in the framing of the photo and in his viewpoint.  This fine art photo is the result of flawless execution, an artistic eye and attention to detail that is a classic example of automotive beauty art at its finest.  16″ x 11″ high quality prints of this photo are available online.

Metal Melt by Vlad Bubnov

Metal Melt by fine art photographer, Vlad Bubnov redefines hot rod. This example of automotive beauty art is actually the reflection of a 1957 Ford Thunderbird in its own chrome bumper.  Bubnov is a master of fine art photography and is especially adept at creatively capturing and playing with light on metal.  His colorful fine art photos sell as limited edition prints that are signed and numbered by the artist.

But, fine art photographs may not completely satisfy a car lover who appreciates the artistry of brushed oil on canvas.  For him, there is a wonderful gallery of automotive nostalgia art and very likely he’ll find a portrait of a long lost love.

Nostalgia art typically is in the realm of the oil painter.  He is the artist who adds feelings to rusted, old metal and makes us long to see the USA in the old Chevrolet.  These are the paintings that make you sigh when you see them and make you feel sad for the old, trusty rusty.  They’re wonderful to own especially if the artist has chosen one of your old favorites for his subject.

Out to Pasture by Robert Hare

Out to Pasture is an original oil painting by artist Robert Hare.  The artist painted this canvas from a photograph he took while on a visit to Whidbey Island in Washington state.  His immediate reaction was that the car had been put out to pasture after faithfully serving its master, abaondoned, and left to rust in the weeds.  The artist felt compelled to honor the old beauty with a portrait in oil.

But, automotive oils aren’t always about a sad story.  Realism artists love to create perfectly painted portraits of vehicles that have won their hearts.  Similar to a portrait of a favorite lady, you’ll find many artists who showcase their heart’s delight in oil on canvas.  They apply their artistic skill to transforming a plain, white canvas into an image of a vehicle ready to roll.  A portrait of pipes and valves, shiny chrome, painted metal, and tires so real you can smell the rubber.

Motorcycle Art by Robert Goldsberry

The 61E by artist Robert Goldsberry is a large, 24″ x 30″ original oil painting and is a perfect example of realism in automotive art.  The artist writes, ” My favorite year and make of motorcycle,” and notes that he painted a ”Wild One movie bill and Pabst beer ad” in the background to complete the picture.  The original painting is available for purchase, although it’s not unusual for artists to hold onto realism paintings much the same as car collectors hold onto their favorite autos.

So, the American love affair with the automobile continues strong as evidenced by the growing art sales and interest in cars as subjects.  Many artists paint what they love, but more artists paint what sells.  The popularity of automotive art among collectors, as well as among regular folks is growing.  Good to report that the popularity of cars as artists’ subjetcs is growing, too.  Why paint naked ladies when you can paint a ’59 Impala that sells?

DiscoveredArtists.com logo

About DiscoveredArtists.com
www.DiscoveredArtists.com is a marketplace for buying and selling original and limited edition artworks.  Independent artists sell directly to the general public.  Prices are set by the artists and artwork is shipped from the artist’s studio.   All major credit cards are accepted.  Artwork may be purchased online and is backed by a satisfaction guarantee of a full refund plus return shipping expense.

DiscoveredArtists.com Media Relations

Upcoming Hybrids in the U.s. Market

American motorists have feared the increase in gas price since it reached the three dollar mark last summer. This resulted to the number of car buyers turning their backs on gas-guzzling vehicles which have dominated the roads of the United States in the past years.

The most common answer to car buyer’s need for a fuel efficient vehicle is a hybrid electric vehicle. Since Toyota introduced the Prius in the U.S. auto scene, hybrid vehicles are becoming more and more popular. Aside from the Toyota Prius, there is now a host of hybrid vehicles being offered in the market from different automobile manufacturers.

Aside from new models of hybrids, car manufacturers like Honda have produced hybrid versions of their popular models like the Accord.

The number of hybrid vehicles in the market will surely increase as the demand for these fuel misers increases. Different car manufacturers have already announced that they will be producing hybrid vehicles which will be available for American car buyers in the near future. These vehicles are hybrid versions of popular models from different brands.

Hybrid vehicles which will hit showrooms around the United States include the Audi Q7 Hybrid and two Chevy models with hybrid versions – the Malibu and the Tahoe. Ford will also introduce hybrid versions of their Fusion and Expedition models. The GMC Yukon Hybrid will also be offered soon as well as the Lincoln MKZ Hybrid. Other hybrid vehicles coming soon are the Mazda Tribute Hybrid, the Mercury Milan Hybrid, and the Porsche Cayenne Hybrid.

These vehicles uses electric motors to assist a small internal combustion engine which may be fitted with aftermarket parts like Plymouth cold air intake system to further save on fuel and provide a good performance.

Hybrid vehicles are differentiated into two. The first one is for fuel efficiency purposes. An example of vehicles using hybrid technology for fuel economy is the Toyota Prius. Vehicles using the technology to save on fuel are designed for city driving where frequent acceleration and deceleration increase the amount of fuel consumed by a vehicle. Hybrid technology allows the engine to shut down when decelerating or during brief stops on intersections or traffic lights.

The other use of hybrid technology is to improve performance. The electric motor gives additional power to the engine to give a vehicle good acceleration and the battery pack also supplies power to other system like electronic power steering system. In this use of hybrid technology, fuel consumption is reduced only slightly since the vehicle is not designed to run on electric motor power alone.

Nevertheless, the use of hybrid technology is a good step towards improvement of the performance and fuel economy of mass produced vehicles. Currently though, the price of hybrid vehicles are significantly higher than conventional gasoline engined vehicles.

Lauren Woods
http://www.articlesbase.com/automotive-articles/upcoming-hybrids-in-the-us-market-123139.html

The Automobile of the Future

Scientists are increasingly concerned about both the long and short-term effects of air pollution.
The short-term effects include eye, nose and throat irritations, headaches, nausea, and respiratory infections. Among the long term illnesses related to air pollution are lung cancer, emphysema and heart disease.

Air pollution is not new. In 1273 King Edward 1 enacted a law prohibiting the burning of a certain type of coal. This was an offense punishable by death and violators risked losing their heads.

Today, industries and automobiles are the major sources of air pollution. This pollution, which hovers above urban areas, is called smog. Automobiles contribute 1/3 of the substances polluting our air. Primary pollutants emitted from automobiles are carbon monoxide, nitrogen oxides, and VOCs (volatile organic compounds).

When the automobile expels exhaust, the exhaust combines with air and sunlight to produce ground level ozone. The ozone then reacts with the exhaust, forming smog.

In 1998, according to statistics collected by the United States Department of Transportation, Americans drove 2.6 trillion miles. Passenger vehicle miles accounted for over 90% of the total mileage.

Today, in the United States, vehicle emissions are regulated under the authority of the Environmental Protection Agency (EPA). Since car exhaust is a primary source of pollutants such as nitrogen oxides, carbon monoxide and hydrocarbons, vehicles are required to be equipped with emission reducing devices such as catalytic converters. The catalytic converter has a material within that brings about a chemical reaction changing the exhaust emissions into less harmful substances.

However these devices reduce emissions but do not totally eliminate them. The current goal is to have zero emission vehicles, that is a vehicle, which has no tailpipe emissions, no emission control systems capable of breaking down and no gasoline emissions.
Several states have adopted zero emission vehicle programs, which require that future vehicles sold in the state be ZEVs.

Major automakers are now developing ZEV’s such as electric vehicles, and hydrogen fueled vehicles. The programs also include partial zero-emission vehicles such as hybrid-electric cars and methanol fuel cell powered cars.

The internal combustion engine that is used in most vehicles has only ten percent efficiency.
The engine design has seen little change since 1900. And since gasoline prices were low for many years, there was little demand for fuel-efficient vehicles and little motivation to give up the gasoline powered internal combustion engine.

By contrast, hydrogen powered fuel cells are 60% efficient and do not release pollutants. Our space shuttles have been powered by fuel cells for many years. The price of gasoline has risen astronomically creating a climate for radical change.

Hybrid cars are appearing on the market. Although these cards do use a small gasoline engine, they are also equipped with an electric motor to deliver extra power when needed.

Electric vehicles are also available and automakers are working on advanced batteries. Vehicles powered by hydrogen fuel are in the developmental stage. Incentives are being offered by city and state governments to encourage the use of these alternative vehicles. For example, the City of Los Angeles Department of Water and Power offers discounts on electricity used to recharge electric vehicles.

As fuel prices rise, and the pollution problem escalates, the auto industry is now serious about developing alternative vehicles so the car of our future may differ dramatically from the car we have now.

Brenda Williams

Automobile Prices for Different Car Segments

With the boom in the automobile industry in India, many world-class car manufacturers, producing cars in different sizes and different price range have established their production and operation centers in the country. Indigenous car manufacturing companies also are coming up with many new cars fitted with world-class comforts. India is a growing market for automobile companies across the world. There are a number of companies and automobile prices also vary from company to company and model to model.

Automobile prices are influenced by a number of factors. The most vital parameter in deterring the automobile prices is the target market. India being a major focus for many world-class car manufacturers, automobile prices usually under go a revision. It also depends a lot on the facilities provided and the technology involved in the manufacturing of the vehicle. The price of a particular model of car of a specific company depends on the price of the similar models manufactured by other companies.

Automobile prices also vary according to the segments of car. A particular segment comes under a particular price range. However, a little variation in the automobile prices is noticed depending on the additional features added to that model. Various car manufacturers falling under a specific segment fix almost similar price for cars with almost similar features. Cars falling under A-segment are usually low priced. All the small cars come under A-segment cars. Some of the car manufacturers selling A segment cars in India include; Maruti, Suzuki, TATA, Chevrolet, Hyundai, and FIAT. Usually price of these A-segment cars falls under a range of Rs 2 Lacs to Rs 3 Lacs.

If you talk about the B-segment cars, they are generally bigger in size and have enhanced features and functionalities. With various options for safety and comfort, these B-segment cars represent the mid-sized cars. Usually the prices of B-segment cars are not comparably more than A-segment cars.

The next higher priced cars are fall under the C-segment cars. Some of the reputed C-segment car manufacturers operating in India include, TATA, Suzuki, Ford, Mitsubishi, Honda, Hyundai, and Chevrolet. These cars usually come under a price range of Rs 5lacs to Rs 10 Lacs or more.

The D-segment cars are different in a sense that they represent luxury. Undoubtedly fitted with the best engines to ensure optimum efficiency and fuel economy, the D segment cars give the best comfort and luxury. Mercedes, BMD, Audi, Hyundai, Lexus, and Skoda offer various D-segment cars in India. The prices of these cars can start from Rs 15 Lacs to even more than Rs 1 crore.

Divya Aggarwal

Guide to the Purchase of a Diesel Engine Car

Diesel automobiles at one point were very popular vehicles but due to many issues they have been largely avoided by purchasers in countries such as America. They got a reputation for being very noisy, unreliable and polluting resulting in the decline of sales since the 1980′s. They have however seen resurgence in popularity in countries such a Europe where they have accounted for up to 40% of car sales. This has been due mainly to the resolution of the many issues concerning the diesel engine.

If you are considering purchasing a diesel automobile there are several factors that you will need to consider. One of these if you from areas that have very tough emissions standards that you will not be able to purchase the diesel automobile in these US states. These include states such as New York, California, Maine, Vermont and Massachusetts. These are the only states where the sale of these vehicles is prohibited. Otherwise you will find that the diesel vehicle is available in other states.

The diesel automobile is now available in almost all market segments. Previously you would find that they would be restricted to mainly the larger class of vehicles but now you can find models that include midsize sedans and small SUVs as well as the compact cars such as the Jetta and Golf.

The price of the diesel automobile can be an issue to buyers. You will find that the diesel automobiles tend to be a bit more expensive when compared to their gasoline counterparts. This is due mainly to the fact that the diesel automobile requires a lot more technology to ensure that they perform well and to ensure that they stay within the emissions standards.

You may find that the selection of vehicles is a bit limited in the US market still. This is as the manufacturers are still faced with problems in terms of getting American buyers to purchase diesel automobiles. There is still a stigma attached to the diesel automobile of olden times although they cannot compare to the new diesel automobiles on the market today.

When purchasing a diesel automobile it is important that you consider the fact that the diesel is great for fuel efficiency. You will find that the compact as well as the midsized vehicles can indeed put up some competition for the hybrid cars on the market in terms of mileage. The diesel cars on the market offer great benefits and are no longer the polluters of the past but have very much cleaned up their act.

The diesel vehicles of today are no longer solely utilitarian vehicles and if you look around you will find models that are luxury cars and that offer features such as leather seats and the works. They also now offer comparable space and luggage capacity to rival the gasoline cars. They now come with all the safety features of the typical car and include features such as stability control and airbags.

It is possible in today’s market to get a diesel automobile that will save you a lot in the future. The initial costs may be a bit high but in terms of maintenance and fuel you will save. The diesel automobile is now quite a rival to the gasoline automobile and offers all the features of the gasoline cars but with additional savings.

John Stafford
http://www.articlesbase.com/automotive-articles/guide-to-the-purchase-of-a-diesel-engine-car-71173.html

Depression 2008: an Essay on the Situation

INTRODUCTION

The emergence source of the Depression 2008 is American economy where the free market capitalist economic system prevails. Every system is a network of certain dos and don’ts. There exists no economic, social or religious system in the world without certain don’ts or the preconditions necessarily required for its smooth running. The American thinkers mistakenly took these don’ts or preconditions of capitalism as unnecessary or unwanted restrictions in the way of making the capitalism an ideal and humane system as against socialism which they discarded because they thought it nothing more than a bundle of checks on the freedom of human life.

REFORMATION OF CAPITALISTIC SYSTEM

The American thinkers and policy makers advocated a capitalistic economy for America with a free market system characterized with a least government intervention and, thence, made efforts to slacken the restrictions, by and by, which were the part and partial of and embodied in the theory of capitalism. The process of so liberalizing the economy, having crossed the boundaries of America, not only spread to almost all the European developed economies but many other capitalist democratic developing economies also started adopting it on account of the leading and effective position of America in the world economy and politics. Moreover, the international financial institutions too agreed the American paradigm of liberality and started exerting pressure on member developing countries to make them to workout the same. This all resulted into a wide spread move driven in the capitalistic democratic world to lead the economies towards free market economic order. However, these efforts aimed at making the economy not an absolutely free market economy but only within the ambit beyond which the fallouts start engendering vested wealthy interests and the government intervention becomes justified. All the same, since the recipients of the profits from leading the economy towards the said free market settlement, in beginning, being either from the policy makers or from the socio-economical and political elites capable of affecting the policy making, the desirably equitable limit became crossed on account of vested profit greed. This veered the capitalistic world economies to the wrong direction of making the people solely profit motivated and greed based.

EMERGED CONSEQUENCIES

The economies went on advancing in that direction and the consequential demerits went on emerging and being nourished. There became lack of coordination among businessmen and producers whereby the economies became like ‘automobiles without driver’. Economic inequalities became as broad and widened as capable of producing harmful repercussions. Smaller firms became suppressed by large and oversized concerns whereby oligopoly or even monopoly emerged in the economies to the utter detriment of the consumers and the workers. Competition, the important feature of capitalism, attained such an unhealthy and undesirably high level that rival producers started spending huge funds on advertisements and salesmanship to attract the custom of potential buyers for merely ousting rivals from the field. This resulted into the duplication of staff, duplication of industrial equipments and wastage of valuable resources. Industrial peace became disturbed on account of rising lockouts and strikes. The businessmen resorted to unscrupulous practices like price leadership, market sharing, forming trusts and cartels, price agreements etc. for achieving the objective of profiteering. The profiteers indulged in amassing maximum profits without devoting any thought to the community welfare (merchants started mixing stones and pebbles in wheat flour, coloured saw dust in genuine tea, brick dust in turmeric powder etc.). The over stretching provision of private property, right of inheritance and market mechanism created and rather perpetuated economic inequalities. This gave birth to social parasitism by enabling certain sections to live at the expense of others without making any physical contribution of their own. For example, several people became capable of living luxuriously on the exorbitant rental income derived from the tenants of their owned land.

The whole system became complicated by lack of transparency. Hedge funds started being cloaked in secrecy. Intelligent corruption and abuse of power started prevailing. Handing out as big amount as 23 million dollar by Lehman Brothers to its three executives just before its collapse, going up of the pay of the CEO of American Express by more than double despite the share price abruptly plunge downward and earning almost 100 million dollars in total payments by Hewlett Packard CEO even when he destroyed half the wealth of her investors, are some of the examples of showing how CEOs of big concerns became enormously high paid executives getting their compensations allowed to spiral out of control by the board members taken on an all-expenses paid trip to a five-star international resorts. Loan facilities became widely extended and advantages of loan facilities and low interest rates (especially for houses to be owned by people at low income group) were supported and largely propagated among the people. This brought about enormous marketing effort to dupe people. The extremely clever inculcation through media advertising made people’s thought process clouded and made them, thereby, to tend towards more personal interest, freedom and power than social responsibility. The high level of inequalities made rich people so rich that it brought them beyond the point of finite material needs. They started embellishing the material requisites instead of and rather than consuming the same. Going further to it, they rather began to distort the material needs in a way compatible to their own distorted and disordered desires. The use of bra and panty by gents in Japan is the outcome of such distortion and disorder. These rich fellows live in trophy homes when billions of people are striving to afford even a shanty.

STUBBORN DEPRESSION

As a result of the above discussed consequential demerits and the shadowed face of the resultant capitalism in the world economy we came to the juncture of facing an awkward turmoil which emerged in the form of the presently ongoing ‘depression 2008’.          

The governments are helping the depression stricken banks, financial companies, service companies and manufacturing industrial units survive by large bailouts. All the same, almost every morning a new company knocks crying for help. The monster of depression is going on advancing on its path to erode employment and income of the world economies, one after another, despite that the governments are doing there best to deal with the situation. Mr. Juan Somavia, the Director General, ILO also holds, in the ILO report entitled the Global Wage Report 2008-09, that difficult times lie ahead for the world’s 1.5 billion wage earners. Some big organizations like World Bank, IMF and the leading organization of American economists, National Association of Business Economists, have revealed in their separately carried on surveys that the prices of necessary commodities would go down by up to 23 % in 2009. First time in the last two and a half decades the world may face a decrease in the world growth rate and the trade pool. On the basis of a survey of 185 countries, the World Bank has estimated in its report entitled titled World Economic Situation and Prospects that in the first half of 2009 unemployment would be the biggest problem before the world.  

INCOMPATIBLE MEASURES

The observed ineffectiveness of the so far taken remedial measures to check advancement of the depression 2008 provides sufficient grounds for us to apprehend that the so far taken remedial measures are perhaps either insufficient or incompatible. The strategy of lowering interest and other rates, such as CRR, REPO rate, SLR etc., is not being proved fruitful in pushing up the credit demand to the desired level. The large money bulks of bailouts are disappearing, as if slinking, without any effect on the economy as regards to the control over depression.

The news appearing in the news papers in India (for example, ‘a survey by FICCI regarding manufacturing companies reveals that even the considerably a large bailout package of Rs 3000 billion declared jointly by the Central Government and RBI on December 7, 2009, could not return confidence of the companies’, ‘the companies are talking about 50 % cut in production to be made and up-to 30 %  cut in the number of their employees to be most probably made in the next two or three months, the industrial sector feels all the so far taken measures, including the last bailout of Rs 3000 billion on December 09, 2008, too, insufficient and therefore is demanding one more package’ etc.) reveal and rather confirm the ineffectiveness of bailouts in India.

Block-closers in manufacturing companies (especially the automobile manufacturing companies) are not making good the deficiency in demand. In India, Tata Motors had to declared a fourth block-closer, within a period less than two months, in its heavy vehicles plant at Jamshedpur from 28th to 31st December 2008 on account of the rapidly decreasing demand of its vehicles. Its production has come down from 500 to 100 vehicles per day in December 2008. TELCON (Tata Construction Equipment Co. Ltd.), a company with 60 % partnership of Tata, also had to declare a second block-closer in its Jamshedpur plant, within a period of one month, for three days from 25th to 27th of December 2008.

Interest and other banking rates are going downer and downer but credit demand seems still going down. In India, RBI decreased the REPO rate from 7.5 to 6.5 % and the Reverse REPO rate from 6 to 5 %, Yes Bank declared a cut of 0.5 % in PLR and ICICI Bank declared a cut of 1.5 % in PLR and BPLR in the first week of December, 2008. The nationalized banks declared on 15th of December a cut in interest rate on home loans. The interest rate on home loan was revised as 8.5 % on loan amount up to Rs 5 lakh (0.5 million) and 9.25 % on loan amount from Rs 5 lakh (0.5 million) to Rs. 20 lakh (2 million). The industry sector but termed the cut in home loan interest rate as inadequate to deal with the depression. Mr. Sajjan Jindal, the chairman of ASSOCHAM, held that interest rate should be 6 % on loan amount up to Rs 30 lakh (3 million) and 8.5 % on the loan amount exceeding Rs 30 lakh (3 million). Similarly, Mr. Amit Mitra, the general secretary of FICCI, also advocated the applicability of the lowered interest rate of 8.5 % on loan amount up to Rs 30 lakh (3 million). As per the news in the last week of December the economic sector in India was expecting a further cut in interest and other banking rates to be declared in the 1st week of January or so.

UN-SUSTAINABILE PREVAILING SYSTEM  

As regards to the above discussed ineffectiveness of the remedial measures in controlling depression, I think the measures are incompatible instead of being inadequate. The logic is that on account of the notion of making the prevailing capitalistic system ideal and humane an impermissibly high level of market freedom stands brought about therein whereby the system though walked towards the idealism but became impracticable. That is why the prevailing form of the capitalistic system has become unsustainable. Respected thinkers and scientists also have pointed to this reality stating that present model of capitalism cannot be sustained for environmental and social reason. Neither the purely ideal capitalism nor the purely ideal socialism is a practicable economic system since both are the extreme positions. Both of them have their own merits and demerits. To avoid demerits and enjoy merits of both the systems up to the maximum possible extent, a legitimate mixture of the two, called the mixed economic system, has rightly been suggested by intelligent economists. Therefore, I have no hesitation nor any doubt in straight forwardly hold that the ongoing stubborn depression is not the recessive phase of any trade cycle which can be taken lightly on the ground that trade cycle of different time periods generally go on appearing in a capitalistic economy. I would like to comment here with ample stress that the root cause of the depression 2008 is our stepping far from the mixed-economy system prevailing before we started the so called reformation to make it to resort to un-accomplishable idealism and humaneness.

CONCLUSION

A number of writers are now talking about and rather advocating that a new, balanced, conscious, active and sustainable, both socially and economically, global system should be searched. They suggest also the features and characteristics of their desired system. Going through the same I surprisingly found that the suggested features and characteristics were almost identical to those pertaining to an economic system comprised of about fifty-fifty amalgamation of the capitalism and the socialism. Why there should search for a new system, then? We need not to workout a search but need to step back to the sound mixed economic system created by amalgamating the capitalistic economic system and the socialistic economic system in such a legitimate ratio that demerits of both the systems are mitigated and merits of both the systems are infused to the maximum possible extent. The so maneuvered system will be proved sustainable on all economical, social, cultural and even political fronts. Thus, it can well be regarded as most desirable, economically sustainable, socially adoptable, culturally appreciable and politically justifiable system. There will be no room for mass unemployment, starvation, privation, black marketing, economic exploitation, financial scams, corruption, economic and social disparities, political instability etc.

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V P Singh
http://www.articlesbase.com/economics-articles/depression-2008-an-essay-on-the-situation-704829.html

Custom Tail Lights Showcase Fiery Rear Style

Once a feature of European and upscale domestic models, LED and Euro tail lights (or taillights) have fast become a modifying staple for many different types of drivers. While these upgrades aren’t exactly “new”, they have, however, picked up considerable steam as of late. Some point to the speedy nature in which they can be installed, as more and more car owners have grown tired of long-term customizing projects. Others talk about the vividly contrasted luminance that upgraded tail lights often display, especially in comparison with original factory designs. But as with anything else custom-related, it all comes down to personal choice. And if one thing has risen out of all this, it is that custom tail lights are a relentlessly compelling aftermarket addition that benefits vehicles in more ways than one.

Why Custom Tail Lights?

The easy answer is “why not?” Of course, all drivers need to be armed with as much background information as possible, so it is best to look at custom tail lights with a bit more depth. Since the birth of the contemporary automobile, creative-thinking drivers have been finding ways to outdo the factory’s presentation of rear lighting. They’d visit salvage yards to mix and match pieces, weld together home-made bezels, or even use the casings from bicycle reflectors to construct their own fixtures. Though times have evolved, the spirit remains. You give a driver who loves their ride enough time, and they’ll find something to improve upon. Tail lights are almost inevitably at the top of that list.

Tail lights are oft noticed identifiers. You are always in contact with them; you just might not recognize such unless a vehicle in front of you at a red light is sporting a brazen pair of LED tail lights that are glimmering directly towards your retinas. But taillights are frequently intertwined with your ride, whether you realize it or not. It is for that very reason why so many choose a set that better represents their own interpretation of what automotive artistic value is all about.

LED Tail Lights – Tech Style, Tech Quality

Even in 2008, Light Emitting Diode technology is still considered advanced, and that’s not by mistake. LED power is currently the most potent option for tail lights. And there is not a fair comparison between LED tail lights and OEM halogen bulbs. LED tail lights disperse a far more effectual tone of colorful radiance that is vivid and unmistakable. Because of this truth, LED tail lights are a highly-discernible safety upgrade in conjunction with being reputable fashion accessories. Sure, they elicit sweltering style. But it doesn’t hurt that they are easily noticed by a big rig behind you in the midst of some apocalyptic rain storm in the dead of night, either.

LED tail lights also have two other factors going for them. First off, they come in a virtual kaleidoscope of design patterns. Due to the versatile and efficient nature of LED lights, tail lights can be patterned in different formats, styles, and colors. This is due to the vast array of shapes and sizes that LED lights are available to be housed and arranged in. And obviously, this presents a gamut of choices for manufacturers to work around, providing consistently fresh finishes for drivers to take a swing at. Secondly, LED technology is famous for going the distance. LED taillights last. They don’t burn out for no good reason or dim to a futile, bland beam. LED tail lights are so widely used partially for this very reason, and are a dominant presence on the market.

Now armed with fiber optics, LED taillights are poised to break through even more. Even though “regular” LED tail lights will always be en vogue due to their cosmic appeal, fiber optics push the envelope even further. Fiber optic LED tail lights are featured inside the fixture as strips, delivering an added exotic element that will undoubtedly become the proverbial “next big thing.” The grade of lighting is the same, if not improved in these sets, while the look is absolutely overwhelming when inserted into the right vehicle.

The Euro Invasion

Auto manufacturers abroad have traditionally managed to do just enough to offer a tangible aesthetic difference between their models and their competitors from around the globe. While overall body designs and shapes were never too far removed from anyone else’s, the same cannot be said for other details on the exterior. Many foreign models incorporated different molding patterns, door handle placement, and of course – tail lights. Tail lights on certain BMW, Volkswagen, Mercedes, Toyota and Lexus models were often “rounder” or shaped in a more animated fashion (referred to as “Altezza lights”). For many, it was a visually stimulating and exotic image that had to be duplicated, somehow and some way. When the Asian tuner underground rose up into the mainstream two decades ago, aftermarket “Euro” tail lights quickly found a home with custom-loving drivers around the world. And for the most part, that has remained unchanged.

Euro tail lights are available in multiple dozens of designs, and many times are LED-powered. What sets Euro tail lights apart from standard Western lamps? Many times, Euro tail lights are “clustered” together inside the housing, and often feature circular lenses, but there are a host of other spirited options. If a set of Euro tail lights are LED, then the designs are near limitless. Boasting many housing selections, the spectrum is exponentially more expansive. The housing on both LED and Euro tail lights can be shaded several colors, providing a sportier and more eclectic backdrop for the lenses. This dynamic approach is what has set Euro taillights apart most drastically from usual American factory tail lights that come stocked in the majority of domestic models. It is also why along with LED tail lights, they are a near-requirement for those active in the aftermarket automotive culture.

What To Do When You Want In

The good news straight away is that LED taillights and Euro taillights are available for most models around, eliminating a good brunt of guesswork that can be associated with searching for aftermarket fashion. The first thing you want to do is make sure that your model is a candidate. Although it is a safe bet, do your due diligence. Just by utilizing an internet search engine, simply type in your model’s name and year with the words “LED tail lights” or “Euro tail lights.” Undoubtedly, the page will fill up with a swoon of ads. But don’t go crazy yet, just pointing and clicking your way to exotic freedom. Instead, take notes of the various sites that you visit, ensuring that in fact the tail lights in question are available for your vehicle. Compare prices, shipping details, and everything else that goes with being a good consumer.

For the most part, installation of LED or Euro tail lights is a snap. Depending on the type of vehicle and so forth, all it really entails is popping off the original (or unscrewing) and simply wiring in the new fixture. Of course, any pair you order should come complete with directions. But I am fairly confident that even the less automotive-inclined could figure it out even without instructions if so pressed. Most sets are basic “wire-&-go” operations that take minutes to complete. In other words, it is fast and it is easy.

Synopsis

As we continue to find out, there are not too many types of people on the planet who are more creative than a customizing driver who is motivated. From rocker panels to spoilers and interior dome lights, there are layers and layers of available options to always explore when looking for an excuse to upgrade a vehicle. And most of the time, these decisions are good ones. But whenever it is a part of the ride that needs no explanation of where or what it is, then chances are it needs a stylish imprint. Automakers care about providing only the minimal amount required to make sure they sell enough units. And no one is complaining about that. Ultimately, it is up to us to find ways to get our cars or trucks to say more about who we are. And LED tail lights or Euro tail lights get it. They throw pizzazz, color, technology, and increased driving safety to the back-end in a way that not other addition can. It is certainly more than worth exploring a little deeper when you feel it’s time for that molten exterior makeover!

Timothy J. Hands
http://www.articlesbase.com/automotive-articles/custom-tail-lights-showcase-fiery-rear-style-717003.html

The "what If’s" of a Big Three Bailout

            The condition of our economy today is the worst it has been in decades.  The recession can be felt in all levels of the market place, some worse than others.  Perhaps one of the most prominent places this recession is taking its toll is in the automotive industry.  While the foreign players of this market (Toyota, Honda, etc.) are only recording minor losses, the Big Three are facing the worst financial situations in the history of these three storied corporations.  General Motors, Ford, and Chrysler are all experiencing huge setbacks in sales, combined with large costs, which have led to substantial and just about irreversible losses.  The CEO for GM, Rick Wagoner, when appearing before Congress about the situation of his company was quoted as saying the situation is a “catastrophic loss.”  Chrysler CEO Robert Nardelli had this to say of a potential bankruptcy of the big three; “2.3 million-to-3 million in lost jobs [at the car makers, dealers, suppliers and associated businesses], $265 billion-to-$400 billion in lost wages and $100 billion-to-$150 billion in lost government [tax] revenue.” 

 

            It has been estimated that GM’s cash flows won’t last through the end of 2008, and many are skeptical of the lives of the other two Detroit players.  With bankruptcy right around the corner for all three players, they have turned to the government for help.  The “Big Three Bailout” has been the focus of the news for the past couple of weeks as many know. However, many do not know what positive and negative outcomes would result from the bailout.  

 

The pros associated with the bailout are able to bring stability by keeping the same auto market in the United States. GM, Ford, and Chrysler are seeking a total of $25 billion to help re-tool auto plants, which would hopefully enable them to turn the corner and get out of this recession in the auto industry.  If the government were to grant this relief we would be able to keep competitive prices in the industry.  The biggest issue with the Big Three right now is that they are not producing an overall fleet that is efficient on fuel, thus turning many consumers away in this time of unsteady gas prices.  In order for the Big Three to switch to more efficient vehicles, they would need to re-tool their plants to produce more cost efficient vehicles, which does not come at a cheap cost.  The re-tooling is completely necessary because without it, they would go under. Hundreds of thousands of jobs and revenue would also be lost and would only contribute further to the already declining economy. 

 

When looking at how consumers would look at the bailout, researchers discovered that eighty percent of consumers would not purchases automobiles from the Big Three if they were to go into bankruptcy. Thus consumers get a feeling of security more with the government’s bailout than if they were to be left to go into bankruptcy. The decrease in the amount of taxes paid by the automakers would be substantial. Not only would the taxes paid directly by the companies decrease but personal income taxes paid by employees would fall as well. It is estimated that the total taxes received by the government would actually decrease by over $40 billion.

 

Other companies will also be affected by the bailout. Resources used in the construction of vehicles, such as iron framing or copper wiring, would cause those companies to decrease their profits. With less demand from the Big Three companies those companies may even need to decrease their workforces and as a result increase unemployment even more. More unemployment may bring more house foreclosures and our economic standing will only become weaker.

 

As with all economic dilemmas there are always two perspectives. While there are some beneficial factors that may come with the government’s bailing out the Big Three automobile companies, there are still detrimental reasons why they should not. One of the biggest groups affected by the bailout would be the employees. If the government decides not to bailout the companies, over 240,000 employees directly employed by the company alone will be laid off. The money received will not even be enough to sustain the amount of employees they currently utilize. Compared to foreign automotive companies, the Big Three have almost three times the amount of employees. To compete, they would have to lower costs meaning their labor costs would be one of the first costs to downsize. Many of their unemployed, therefore, would be consumed by the foreign companies. Those employees would then find themselves having to settle for jobs with lower wages and fewer benefits since the foreign companies are not unionized.

 

            Ford, Chrysler, and General Motors will not miraculously be cured of their problems with the acceptance of the bailout either. With the economic condition diminishing daily, many consumers are finding the best ways to save as much as they can, however they can. Gas prices are one expense that consumers feel they have control over and in which they feel they can save the most. Therefore, the demand for vehicles with low gas mileage will never benefit the Big Three companies when most of the vehicles they sell are not gas efficient. There is no sign of the economy’s downfall turning anytime soon either. Families, who can not afford Big Three automobiles today, will therefore be unable to afford them even if the companies are bailed out. Other families who could afford their cars are saving more which is leading them away from The Big Three signature vehicles, the more expensive trucks and sport utilities vehicles. Even after consumers became more savers than spenders, General Motors, Ford, and Chrysler stand by their gas guzzling trucks and overly expensive SUVs while the own executive spend lavishly themselves. When meeting in the capital to discuss the bailout, each executive took their own private jet on the expense of the company while the plan they came with was not prepared and future initiatives were not even evident. If the government does decide to correct their spending mistakes, who is to say they can even reduce their spending when they show no interest while on the brink of bankruptcy.

 

            With there being both good and bad points to both sides of the story, the relief lies in the hands of the government. With both sides having strong arguments and reasons for either supporting the company of letting them crash and burn, both have the best interest of the country at heart. The security of the employees, those of the Big Three and other related companies, the consumers and the government welfare itself all are being accounted. One group not being considered is the Big Three chief executive officers and other executive board members. While everyone else is suffering, all of them are living uninterrupted lives. With no plans of making dramatic changes to the demand of the consumers due to higher gas prices or making changes in their own useless spending, the CEOs are the only ones that should not get any sympathy.

 

With all the opposing information, the government is uncertain as to how to proceed.  Should they shell out a little more relief (a little in the reality that they have already planned out relief of over $700 billion) or should they let the Big Three crash and burn and move forward from that?  What they decide is out of our hands, but we as taxpayers must be prepared to either pay more for our vehicles if the Big Three go under, or pay a little more in taxes for their relief and essentially stabilize an uncertain market.

Runyen, Mountz

How To Never Make Another Car Payment

Car prices today compete with small houses and well-equipped mobile homes. As these price increases become more accepted by consumers, so too are the longer terms that are necessary to fit them into cost of living budgets. At one point, the magic payment amount for the retail automobile market was $200 per month. But that payment would only satisfy a loan of approximately $8000-10000 depending on interest rates.

The average car payment today is closer to $400 per month and that’s with financial institutions stretching the terms to 72-84 and 120 months. Something has gone terribly wrong in the psyche of consumers to even imagine that an automobile will not become obsolete before it is all paid up, 6, 7 or 10 years down the road.

All they really need to do is take a look at a vehicle sold in 1995, 1997 or 1999, to get a live preview of what their new car will look like and potentially what it will be worth. Interestingly, research indicates that most Americans get bored with a car after driving it for 24-36 months. Why then would the typical financing term be 72-120 months?

At the point of purchase, most consumers tend to forget that car payments never include the cost of insurance, required maintenance and gas. When these items are added to a car payment, it can easily exceed what some people are paying in mortgages.

It’s analogous to the Middle Eastern people like Iranians whose culture practices beating themselves on the back with chains and whips. Every month, millions of Americans face the self-inflicted pain of making another car payment. Like the Iranians, they believe that if they can do it, it must be good and it will somehow make them better people in the hereafter.

A self-made millionaire, Dr. Cooper, an advocate for reversing unnecessary consumer debt has come up with a simple plan to change how we think of automobile ownership. His plan uses the same philosophy that our grand fathers grew up with, i.e. never buy anything that you cannot afford to pay for out of your own pocket.

Unfortunately, if we lived by those rules we would need traffic lights and zebra crossings on our major highways because they would be packed with pedestrians.
Well let’s share Dr. Cooper’s plan. He calls it the “Vehicle Saving Fund”. This is a basic commercial bank savings account that can be started at any local bank. To make it more meaningful to you, lets call it the “Freedom From Car Payment Fund.” Anyone can start such a fund; it does not matter if they are currently financing a vehicle.

The idea is that if you intend to be a productive member of society and enjoy the benefits of your labor you will need to have personal transportation. This is not optional for most people who do not live in a big city where public transportation is available. The fund should be considered absolutely necessary, much like the rent or mortgage, it’s a living expense.

Here is how it works; if you are currently driving a financed vehicle, resolve to pay it off in its normal term. It’s hard to keep making payment on a vehicle you do not like but that’s where the discipline becomes important. Also, resolve to put aside a small amount every month to your “Freedom From CarPayment” account. Initially, it is totally understandable that it may be a little difficult but the amount is not important, it’s the habit and the psychology of doing it that makes all the difference. You can start with as little as $5-$10-$25 just be committed to doing it every month until it becomes a habit.

You will also have to make a decision to continue driving the vehicle you are currently paying, this plan does not work if you decide that you need a new vehicle before paying off the one you are driving. The closer you are to your end of term, the better position you will be in to get what you want. But there is no rush, when you pay it off you should then begin to put the amount of your preious payment into your vehicle fund. Now with the equity in your current vehicle and your savings you can begin shopping.

Considering the prices of automobiles today, there is a high probability that because of your vehicle depreciation and the small savings, you might not have enough money to buy a new vehicle. If you do not have enough to purchase what you want, there are always other options; the first is to buy what you can afford. The alternative (worst-case scenario) is facing the ealer with no savings and having negative equity in the vehicle you are currently driving.

Strange concept, I know, but when its all said and done, transportation is transportation, it gets you from point A to point B. The only difference is what you are willing to pay to get there. For many, because of the values they hold “whatever it takes” is an appropriate answer but the mind set has to now change to discipline and the desire to stop making lifetime
payments.

If you don’t have a car right now and are enjoying the bliss of not having a financial obligation to an automobile, you can begin your savings immediately so that when the time comes you will have a sizable chunk to begin your search for your new car. You are in a very good position if you are not in the market presently looking for a vehicle.

You have the time to save and plan for your next automobile. Begin the “Freedom From Car Payments Fund” today and in a couple of years you will really be much better off. Contrary to what dealers try to make you believe, car ownership does require long term planning in order to break the cycle of swapping payments every 3-4 years. It is a long term serious investment.

It’s that simple. Easy, no but simple, and it can be done. It requires discipline and patience two characteristics that are not easily harnessed in by the now generation. The obvious benefit is no car payment but you will also save on insurance and have much more disposable income for other necessities. With etermination, a little vision and planning anyone can drive exactly what they want; without the burden of a monthly payment. Could that be you?

John Pawlett
http://www.articlesbase.com/non-fiction-articles/how-to-never-make-another-car-payment-94071.html

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