Automotive

Good Reasons for Auto Finance Co-Signing & Cosigners

Often if a person wanting a loan for a large ticket item , for example a car or truck , does not have enough of a financial record , a limited income or a poor credit history and scoring – a third party guarantee or co-signer is requested or even demanded as part of the culmination, fulfillment or completion of the deal.
Most people to begin with do not plan to get into financial trouble.  They may just have got carried away with credit.  They made have had a life and asset changing event or events such as divorce, poor health etc etc.  Or as is more common in today’s difficult and challenging economy they lost their job through no fault of their own and after the unemployment coverage period ran out – were short of cash and got into financial arrears.

Regardless they may need a loan for good reason to get back on their feet. In a good amount of cases it’s for transportation to get or keep a job.  For example their may not be bus service to their place of work, or schedules are limited and highly inconvenient. Or there may be no bus service to their place of employment what so ever.
A new or better condition car may be just the ticket to help them keep or improve their income.  Yet with their limited income, little or no financial collateral and a poor credit record few financial institutions will take financial risk to loan them the capital. A co-signer or third party guarantee may be the solution for this quandary.

If the credit  standing of the potential borrower is insufficient to justify said loan, or the collateral available is inadequate  , the lender may well ask for a guarantee by a third party ( of good credit standing), to effectively back the loan.  These guarantees differ considerably in their content. They may be joint (the borrower and the guarantor), joint and several (the borrower and more than one guarantor), continuing (that is no time limit set for expiration and possibly covering future loan transactions), or for a specified period and/or amount.

Times and mores change.  In past periods, a married woman applying for a loan would most likely have been asked to have it guaranteed by her husband (if the lender was prepared to give her a loan in her own name in the first place).  Today in 2012, this situation has been overcome by financial institutions, insisting on both a husband’s and a wife’s signature on the notes covering all loans.

Craig Grand-Prairie is an auto finance consultant at Canadian Custom Credit in Edmonton northern Alberta .  Grand Prairie is fond of saying that he does not care if you drive from Fort McMurray, White Court or Saskatoon Saskatchewan that with  a reasonable credit history he can get you instant credit in Edmonton . its a case of convenience and buy your car or truck here and finance it here.

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Sign of Economic Times – Vintage GM Futureliners Go for a Song on ebay

Its a sign of our economic times as well as the domestic US auto industry of the big three – General Motors GM, Ford & Chrysler.

What was supposed to be a slam-dunk vintage auction of a rare ( 1 of only 12 worked up and produced )  GM  “Futureliner”  bus , and listed on eBay did not even receive the lowest level of bids.

GM “Futureliners”  were first mocked up and delivered in the early 1940′s , stopped because of WW2.  They were then upgraded and paraded around in the 1950s for auto conventions and the like.  Amazingly the 1950 upgrades were totally futuristic with such auto technologies and technological demonstration advances as jet engines , full stereophonic sound and microwave ovens.  Finally these bus prototypes were retired in the mid 1950′s by GM auto execs – having run their course of time.

Getting back to eBay auction great bidding was expected.  In 2006 at the world renowned Barett-Jackson auctions in Arizona USA FM Futureliner # 1 sold for a record 4 million dollars.

Still at the 2012 auto auction on ebay – with an initial bid of  $ 500,000 , bidding only went up incrementally to $ 5600 to $ 505600 in sum total.

The eBay auction was ended early by the listing agents , whom were highly surprised and even exasperated.  Its a case of both not counting your chicken before your eggs hatched and also a clear Its a case of both not counting your chicken before your eggs hatched and also a clear example of the normal cyclical volatility that you can expect in the vintage and classic automotive marketplace.

Midtown Ford is one of Winnipeg Manitoba best known and highest volume Ford dealers & dealerships.  They are a volume seller and take online price quotes for both Ford F150 trucks as well as Ford Fiesta cars and Mustangs

Auto Alternators Vs Generators What is the Difference?

With vintage car buffs – especially domestic auto types who dwell on good old Fords , Chevies and Chryslers there is no end to debate about generator vs. alternator car battery charging systems. The debate seems to circle and center around which was better, advantages vs. disadvantages and especially at what point in time and which autos introduced the newer alternator charging systems. There seems to be no end to this debate among vintage car buffs – especially those who dwell with domestic US American made cars as opposed to those who favor the foreign made cars – Porsche, BMW, Jaguars, British MGs and the like.

Alternators Replaced the Older Electrical Car Charging System Generators:

Alternators are essentially the more modern mode over the automotive older generators. Essentially they have eliminated the use of the older battery charging “generators’ yet require more sophisticated electronics. They put out more charging power, charge at idle and most importantly are more reliable and longer lasting. Since they are not 100 % mechanical they don’t “wear out” after a few miles or km, as the older style charging devices – generators were famous for. Lastly they were introduced across a number of upper end car models on lines starting in the early 1950’s and became a lot more widespread in their use in American made cars of the big three in the early 1960’s.

Both Alternators & Generators are Automotive Battery Charging Devices:

Both the generator and the alternator (which is strict fact and definition also a generator and electrical charging unit and generator as well), produce alternating current.However the essential difference is that the earlier, more primitive units labeled “generators”, use only half of the full entire cycle. This, for electrical engineers listing, is the half of the mechanical cycle where power generation matches one of the two polarities of the battery and the basics of electrical systems. These are of course positive (the terminal on the battery marked + and covered with a red plastic cover) or the negative current (the terminal on the battery marked with a minus – sign and perhaps covered with a black plastic non-conducting cover).

Alternators Turn Out 100 % Useable Current Whereas Generators 50 %:

On the other side of the road alternator serve to “rectify” said generated current which it enable this type of charging device to use fully 100 % , as opposed to 50 % , of current generated via turning motion from the engine via fan belts and pulleys. This is why one polarizes a generator’s created current but not that of an alternator in a vehicle’s electrical charging system.

Alternators are a Lot More Efficient at Power Creation:

Hence alternators are a much more efficient and better choice for auto makers and motorists – at least in terms of energy creation. Alternators will even charge up a battery at idle, which is something unknown to the older generators.

Alternators Replaced Car Generators Due to Their Enhanced Vehicle Reliability Over Miles Driven:

Yet there is one major reason alone, that the newer style alternator charging devices – most widely known in auto service circles as “alternators” even though each car or truck typically only has one installed under the hood. Being more electronic in nature and not 100 % mechanical alternators are overall a lot more reliable in nature and driving habits than the mechanical generators. Auto charging generators, under the hood, could be counted on to have a relatively low life span based on mileage driven more than anything else. Hence the widespread introduction of car & truck alternators displacing the older simple generator mechanical charging systems on vehicles in North America was overall a good step forward and onward down American and Canadian highways and even worldwide.

Bob Strathcona

Strathcona is a well known and respected figure in Alberta’s auto repair and service industry.  Bob has no shortage of accolades at his diagnostic skills.  Often auto owners will drive in all models and brands to his automotive service shop where no one could just do the fix. However though Bob is fond of reminding long standing customers and clients of one thing – to which other Mazda dealership in Edmonton are you going to take your vehicle to for reliable transportation and servicing.  If you visit a number of big box auto service depts for deals and other car or truck dealers in the northern Alberta region – how is there going to be consistency in auto servicing and proper record and vehicle service log keeping.  Going to one garage or dealer’s auto service center and even dealing with one factory trained service tech is the best value overall for your transportation reliabilities and budget

Bob Strathcona

Strathcona is a well known and respected figure in Alberta’s auto repair and service industry.  Bob has no shortage of accolades at his diagnostic skills.  Often auto owners will drive in all models and brands to his automotive service shop where no one could just do the fix. However though Bob is fond of reminding long standing customers and clients of one thing – to which other Mazda dealership in Edmonton are you going to take your vehicle to for reliable transportation and servicing.  If you visit a number of big box auto service depts for deals and other car or truck dealers in the northern Alberta region – how is there going to be consistency in auto servicing and proper record and vehicle service log keeping.  Going to one garage or dealer’s auto service center and even dealing with one factory trained service tech is the best value overall for your transportation reliabilities and budget

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Muffler & Auto Exhust System Maintenance & Care

The auto exhaust system that is in good condition can bring along secured driving from dangerous fumes as well as a lesser impact to the environment. This is apart from the fact that it can save a lot of money from repair expenses. With this, the importance of basic auto exhaust system maintenance should be realized.

First we consider the things that set off the deterioration of auto exhaust system. Heat and moisture produced during engine combustion are actually the key players in the wear and tear of the system. Heat produced can lead to the constant expansion of rubber brackets and gaskets then when cooled down these shrink down. The repeated expansion and shrinkage of the rubber material eventually lead to the damage of these materials. The moisture on the other hand typically settles on the inner linings of mufflers and pipes that stimulate the onset of corrosion and rusting.

The best way to do the exhaust system maintenance task is twice a year at the least. The uncomplicated task can be done by the vehicle owners themselves. First thing to do is to go down the under body of the vehicle once it has been jacked up or lifted by the service hoist. Once under the vehicle, inspecting its exhaust system is just a simple task. But consider your safety first. Wear eye protection because it can be harmed by the rust that falls off from the exhaust. Do not attempt to go down without letting the exhaust system especially the converter because it can burn up your skin.

Proper tools and materials are required in doing exhaust system maintenance too. These are the lifting tools (jack, jack stand, wheel chocks or service hoist), rust penetrant which is a rust and corrosion breaker and protector and various wrenches and sockets for fastening.

When inspecting the exhaust systems look for the signs of corrosion and leaks. The rusting signs include whitish accumulation, holes, loose flakes, and blister. Or you can also try tapping pipes and muffler using a wrench to find out if these are in good or bad condition. Ringing sound for good and dull for not. Signs of leakage on the other hand are dark teathery streaks, gaps and looseness. Before fastening these leaks with a wrench and socket apply rust penetrant to remove rust and delay its subsequent formation. Apart from the signs, proper functioning of the exhaust system is also dependent on the clearance of the heat shield from other components. Bend parts to make them at least half an inch from the heat shield. Observe the rubber hangers too. Look for any sign of damage. Though simple, the basic auto exhaust system maintenance task can be pretty tough for ordinary person especially if he is not geared to it

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Porsche 356 Cars – The Ever Classic Porsche

Porsche 356 cars, built from 1948 to 1965 (data for 1960-type S90)

Built by: Dr. lng.h.c. F. Porsche KG., West Germany.

Engine: Four cylinders, horizontally opposed, in three-bearing, light-alloy block/crankcase, and air cooled. Bore and stroke 82.5mm by 74mm, 1582cc (3.2in × 2.91in, 96.5cu.in).Two light-alloy cylinder heads. Two overhead valves per cylinder, operated by pushrods and rockers from single camshaft, centrally mounted in crankcase. Two downdraught Zenith carburetors. Maximum power 90bhp (net) at 5,500rpm. Maximum torque 89lb.ft at 4,300rpm.

Transmission: Single-dry-plate clutch, and four-speed, all-synchromesh manual gearbox, both in unit with rear-mounted engine. Engine behind line of rear wheels and gearbox ahead of it. Remote-control central gear-change. Spiral-bevel final drive and exposed, universally jointed drive shafts to rear wheels.

Chassis: Pressed-steel punt-type chassis frame, topped by pressed-steel and light-alloy-panelled coupé or convertible bodyshells. Independent VW-type front suspension by trailing arms, transverse torsion bars andante-roll bar. Independent rear suspension by swinging half–axles, radius arms and transverse torsion bars. Telescopic dampers. Worm-and-roller steering. Four-wheel, hydraulically operated drum brakes. 15in pressed-steel-disc wheels. 5.60 × 15in tires.

Dimensions: Wheelbase 6ft 10.7in (210cm), track (front) 4ft 3.4in (130.5cm), track (rear) 4ft 2.1in (127cm). overall length 13ft 1.9in (401cm). Unladen weight 1,985lb (900kg).

History:

Dr. Porsche had been in the center of modern motor car development since Edwardian times, but it was son Ferry who laid out the bare bones of the Porsche car project after World War II. Using VW Beetle mechanical equipment – engines, transmissions and suspensions – Porsche built their very first car in 1948 and this had the engine ahead of the rear wheel line. However, all production cars reverted to the familiar VW-style layout, with the air-cooled flat-four engine overhanging the rear wheels.

Type 356, incidentally, indicated that this was the 356th project undertaken by the Porsche design office since its formation in 1930. Early Porsches were 1100s, with very nearly standard VW engines, but they very rapidly found success in motor racing and proved to be surprisingly strong rally cars.

Production was well under way by 1950, when steel-bodied cars were phased in at the new Zuffenhausen works, to replace the original light-alloy. Enlargement began in 1951 when the 1,286cc car was announced, 1,488cc Porsches were revealed in 1951 and the first 1,582cc car followed in 1955. This engine, developed from its original 60bhp output to 95bhp in 1965, was standardized for the last ten years of the 356’s life. In all this time there was only one significant restyling operation – in 1959 when headlamps and bumpers were raised, the windscreen enlarged and trim updated. The Porsche’s shape was always aerodynamically efficient, and the last of the Super 90s was good for 115mph, with excellent fuel economy. Although the 356 carried on until 1965, it was effectively replaced by the 911 series, which went into series production in 1964.

BobbyB’s Auto Sales – Winnipeg north end auto dealer used economical VW cars
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Pegazo Z102 – Only 125 of these Fine Spanish Made Motorcars in All

Pegazo Z102
Z102 cars, built from 1951 to 1958 (data for 1951 Z102)

Built by: Empresa Nacional de Autocamiones SA, Spain.

Engine: Eight cylinders, in 90-degree vee-formation, in five-bearing light alloy block/crankcase. Bore and stroke 75mm by 70mm, 2474cc (2.75in, 151cu.in). Two over-head valves per cylinder opposed to each other at 90-degrees in part-spherical combustion chambers and operated by twin overhead cam-shafts per cylinder head. Dry-sump lubrication. Single down-draught twin-choke. Weber carburetor .Maximum power 140bhp at 6,000rpm. Maximum torque 135lb.ft at 3,900rpm. Alternative engines, either with higher-compression heads and twin Weber carburetors, or bored-out to 2.8 litres and with original carburetion, were available.

Transmission: Single-dry-plate, in unit with front-mounted engine. Open propeller shaft to five-speed manual gearbox (without synchromesh), in unit with spiral-bevel final drive. Remote-control central gear-change.
Chassis: Unitary-construction pressed-steel and light-alloy body/chassis structure. Independent front suspension by wishbones and longitudinal torsion bars. De Dion rear suspension, with transverse torsion bars, radius arms, and sideways slide block location. Telescopic dampers. Four-wheel hydraulically operated rum brakes inboard at rear. 16in center-lock wire wheels. 6.00 × 16in tires.

Dimensions: Wheelbase 7ft 8in (234cm), track (front). 4ft 4in (132cm), track (rear) 4ft 2.7in (128.8cm). Overall length 13ft 4in (406cm). Unladen weight 2,160lb (980kg).

History:
The only post-war Spanish car to achieve international ‘super car’ fame in the 1950s was the Pegaso, designed by Wilfreso Ricart (ex-Alfa Romeo) and built in factory once occupied by Hispano-Suiza. The Z102 was first shown in 1951 and was a thoroughly exotic and modern design, obviously meant for small-scale production at high cost. The company was government-backed and had already made its name with unitary-construction coaches of more than 9-liters.
The original car had a 21/2-litre V8 engine, with four overhead camshafts, dry-sump lubrication, a five-speed gearbox in unit with the back axle and De Dion rear suspension. Later developments, also at a very low rate of production, were the Z102B 9with 2.8-litres and 210bhp), and finally the Z103 series (which had a rather different overhead valve engine of 4.0, 4.5or 4.7-liters). The cars were supplied with a bewildering variety of engine tunes, including a few with superchargers, and one two sprint records were taken in 1953. The cars were strikingly styled in the Italian-coupé manner. When Ricart retired in 1958, car production ceased. Only about 125 Pegasos were made in all.

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The Morgan Plus-Eight British Auto – Additional Details

Built by: Morgan Motor Co. Ltd., Britain.
Engine: Triumph manufactured. Four cylinders, in line, in three-bearing cast-iron block. Bore and stroke 83mm by 92mm, 1,991cc (3.27in × 3.62in, 121.5cu.in) Cast-iron cylinder head. Two overhead valves per cylinder operated by pushrod and rockers from single camshaft mounted in side of cylinder block. Twin semi-downdraught constant-vacuum SU carburetors. Maximum power 90bhp at 4,800rpm. Maximum torque 130lb.ft at 2,600rpm.
Transmission: Single-dry-plate clutch in unit with engine. Moss four-speed. Synchromesh manual gearbox (no synchromesh on first gear) mounted separately. Direct-acting central gear-change. Open propeller shaft to hypoid-bevel ‘live’ rear axle.
Chassis: Separate steel chassis frame, with A-section boxed side members and tubular and presses cross-bracing members. Independent front suspension by sliding pillars and coil springs, with telescopic dampers. Rear suspension by semi-elliptic leaf springs, with lever-type hydraulic dampers. Worm-and-nut steering. Four-wheel hydraulic operated drum brakes (later models had front discs). Fly-off handbrake. 16in pressed steel-disc road wheels (optional centre lock wire wheels). 5.25 × 16in tyres. Morgan-built two-seat sports, two-seat Coupé or four-seat tourer coachwork to choice.
Dimensions: Wheelbase 8ft (244cvm), tracks (front and rear) 3ft 11in, (119cm Overall length 11ft 8in (356cm). Unladen weight 1,900lb (862kg).

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