Auto Dealer Bonds Are Highly Different From State to State

Auto Dealer Bonds Are Highly Different From State to State

Different states have very different requirements in terms of their motor vehicle dealer bonds. These bonds are required by state legislation in order to run a car dealership, and it's essential to understand how they may differ in certain locales, and what may be required of you and your business.

The most obvious way that car dealer bonds will vary in different states and locales is the amount required. A $ 25,000 bond in Mississippi becomes a $ 50,0000 bond in Tennessee. Other states come in between, such as Georgia, with a $ 35,000 bond.

But that's not the only way that auto dealership can be different from one another. There's also the matter of renewal term, and expiration date. Bonds are typically made viable for either one or two year periods.

A state may have a set expiration date for renewal, such as Georgia, where their two year term ends March 31st in even-numbered years. Elsewhere, they may simply be renewed at the date when you first got it, as in Tennessee, when their two year term expires the last day of the month of issue for you.

Another way that your auto dealer bond needs may differ is the type of dealership that you're running. Certain states do not differentiate, and just lump everyone in the same category. Other states though very carefully and finely break down dealers into different classifications based upon what they sell.

In Florida, it's about the type of vehicle. There are half a dozen different dealerships licenses with varying needs for bonds, based upon whether you sell used cars, new cars, or both, or different types of vehicle classes, such as recreational vehicles.

In Louisiana on the other hand, they differentiate based upon volume. For dealers who sell less than 120 vehicles in a 12 month period, the bond has a minimum requirement of $ 20,000. For dealers who sell more than 120 vehicles, the bond is raised to a $ 35,000 minimum.

Keep in mind that to keep your dealership license in good standing there may be other requirements as well. Many states require garage liability insurance in order to obtain and maintain a dealer's license. In other states, as opposed to garage liability, it may be a vehicle liability policy.

Be sure to work with an experienced professional who has experience in your local area. He or she should be able to explain to you the requirements for auto dealer bonds in your state, and all of the other specifics and mandates that you need to pay attention to in order to keep your license in good standing, while also fully protecting yourself and your business.

Legitimate Paid Surveys Jobs Are Well Established

Legitimate Paid Surveys Jobs Are Well Established

99.9 percent of all Google searches for "work from home" are scams. This does not bode well for people interested in working from home legitimately. You have to know which ones to pick. Paid online surveys working from home is an excellent choice. The key is to select the good companies who need your valuable feedback and WANT to pay you.

I started doing paid surveys online back in 2011 with a website called Springboard America. Trusted brands like Yahoo, World Vision, and Lenovo use a marketing research company called Maru / Matchbox to make their businesses better. Maru / Matchbox created Springboard America back in 2009 to deliver legitimate surveys paid in points. Later on members trade in those points for cash and / or gift cards.

Vindale Research is another website dedicated to delivering people cash for their opinions. You have an opportunity to make up to $ 50 per survey. Why are they legitimate? They have been in business since 2004, a member of the BBB with an A + rating, TRUSTe certified, and Norton Secured. With these qualifications it places them in the top tier of legitimate paid survey jobs.

Toluna is another awesome website to join. They are one of the more interactive sites. Toluna includes polls, comments, and discussions for members and staff to interact with each other on a daily basis. Not online will you be rewarded for your opinions but also for participating in a potpourri of discussions that rewards your account for participating in as well.

The final job I am going to mention is American Consumer Opinion. They have been in the market research business before the internet took off. Established in 1986 as a direct mailing survey company, have since evolved into an online solution for people to join and discover how they can share their opinions for money.

Any of these companies will launch your survey career. Once you join, many of them will link to other legitimate payed surveys jobs within their program.

PRODUCT TESTING

In addition to being paid for surveys online you may be asked to evaluate a product or service at home. You will be sent a product and asked to write an honest review of the product. You will be able to keep the product received and in addition receive a cash payment.

Legitimate paid surveys jobs are everywhere. Companies need your input in order to make products or services better. In addition to receiving cash rewards your going to be assisting in building a better tomorrow for people.

The companies mentioned are free to join, legal, and sometimes pay you to join instead of the other way around. Many scams online will ask you to pay for some sort of course or access to an exclusive membership. Legitimate paid surveys jobs is an excellent choice to earn from home.

The Benefits of Drill Machines

The Benefits of Drill Machines

Drill machines are probably the first mechanical device developed with the principle of rotating a tool to make holes. It is also the most common and essential machine in many industries. These type of machines come in different types, types and sizes from hand to computer controlled. These machines consist of a column, a base, spindle, table and drill head. The drill head has three handles that when turned on, move the spindle and vertically chuck, parallel to the column axis. Table in the machine is vertically adjusted and is moved by a pinion or rack. The older model relations on the operator to re-clamp and lift the table in place.

Drill press sizes are measured in terms of swing. Throat distance is the distance starting from the spindle center to the pillar closest edge. Drill machines have many benefits and advantages that are essential for people who use it.

One of the benefits of tools is that it requires less effort than older models. The chuck and spindle movement is due to the lever working on a pinion or rack that provides the operator with a reliable mechanical benefit. The table allows a clamp to lock and put the work in place that makes the operation secure. Spindle angle is fixed to the table that allows the holes to be drilled repetitively and accurately.

The speed of drills is changed manually by moving the belt across a pulley stepped arrangement. Increasing the speed range adds another stepped pulley. The modern machines can use a speed variable motor in combination with the pulley stepped system. Older tools have a based transaction that continuously transmits variables for a range of speed chuck. Drill machines are commonly used for Misc workshop tasks such as honing, polishing or sanding by honing wheels, mounting sanding drums and many rotating accessories.

Drill machines allow a vast degree of accuracy for drilling, specifically placed holes and for repetitive drilling operations. It needs less manual effort to run than older handheld drills. It runs using a motor to turn the belt that agitates the drill bit at the largest rate of speed. When lowered into a piece of wood or metal, the drill bit scrapes away the material and the size depends on the drill bit sizes. Spindle secures the chuck that holds the drill bit in position while it spins at the largest speed rate. The chuck is tightened to a drill, but with the use of a screwdriver like tool that closes and opens the cylinder containing the chuck.

Drill machines can make permanent holes. It helps most people who are into industries that need drilling machines for their products and other materials. With these benefits of tools, many can lessen their efforts in making holes. With the use of drilling machines, correct and accurate holes are created permanently for easier and faster works than manually controlled tools.

Stock Market Guide to Investing For Beginners

Stock Market Guide to Investing For Beginners

As a general guide to investing: the stock market and investing for beginners is a bit like a riddle. All investors should understand the stock market because stock investing is the key to higher investment profits. At the same time, investing DIRECTLY in the stock market is not smart investing for beginners, because it often leads to unnecessary losses. So, here's a basic guide to investing in stocks without playing the stock market, so you can make money and sleep at night.

No matter what anyone tells you, the stock market is not predictable over the short term. For example, not one person on the face of this earth predicted that in early May of 2010 that the US stock market would fall 999 points within one trading day. Most people do not even know what 999 points means. The good news is that you do not need to understand the day to day rhetoric of the market to make money investing in stocks. But you should understand how the stock market works; and how investing for beginners can be simplified.

Stock prices fluctuate based on only one thing: buying and selling activity. Every second the market is open, some people are placing BUY orders and others are placing SELL orders. If these orders are in balance prices change little. If buy orders far outweigh sell orders prices soar; and if sell orders swamp buy orders prices fall like a rock. The stock market is simply an auction where buyers and sellers (buy and sell orders) are hooked up with each other. What prompts investors to buy or sell? More than anything else, the news events of the day influence investment decisions.

For example, there was bad news on debt problems in Europe the day the Dow Jones Average dropped nearly 1000 points before recovering most of the loss before the market closed. Why the move was so extreme was a bit of a mystery, but one thing is for sure. Big sell orders swamped buy orders and prices took a dive. The Dow Jones Average started the day at about 10,000 (it was actually a few hundred points higher), so a 1000 point move translates to about a 10% drop in stock prices in one day. Now, let's move on to our guide to investing for beginners.

You do not need to play the stock market game of outguessing the market on a daily basis in order to make money in stocks. The good news is that over the long term stocks have been good long term investments, with average annual returns of about 10% over the last 80 years or so. There have been years when the stock market and stock investors on average lost 50%, and years when it gained 50% or more; but these are the exception.

Stock investing for beginners should focus on long term investing in stock mutual funds. As a basic guide to investing ... if you own stock funds, bond funds and money market funds in about equal amounts ... you should do just fine over the years without wild swings in the value of your total investment portfolio.

In mutual funds professionals do the management for you. By owning all three basic fund types (stock, bond and money market funds) your overall risk is lowered. When the stock market has a bad day or year, you've got money in safer investments to cushion the blow. The real secret to investing for beginners is this: allocate your assets to stocks, bonds and the money market by investing in mutual funds. Decide how much (what percent) to invest in each, and keep your money invested that way. Let's say you go with 50% in stock funds and 25% in each of the other two categories. Once a year review your results, and move money if your percentages have changed. For example, if your stock fund (s) is now only 40% of your total investment, move money from the others to bring it back to 50% ... ditto to keep your other funds in line with your original allocation.

If you keep your money invested across all three asset classes (like above) the stock market and its unpredictability should not longer be a major concern.

How to Fix Common Car Problems

How to Fix Common Car Problems

When your vehicle starts to do something unnatural, it can be scary and frustrating- especially if you have no experience in fixing cars. Sometimes, these car problems are something you should worry about- but sometimes, you can easily fix them.

Most car problems are fairly common which are experienced by many drivers every day. Fortunately, most of these troubles are nothing serious, and can serve as a warning to avoid more serious problems in the future. Here are a few car troubles that you may encounter and how you can fix them.

Squeaky Brakes : You might be driving on a highway when you start to notice a squeaking sound when you hit the brakes. This can be caused by the vibration of either of the following:

• Pads and the rotors
• Calipers and the mounts
• Pads and the calipers

Squeaking breaks is not something you should ignore by simply drowning out the sound. You should bring your vehicle to a mechanic so that it can be repaired.

Check Engine Light : If this light comes on, it is typically a service reminder that your car's computer has detected a problem with the emission system. This problem can be caused by various reasons; however it is not an immediate problem. If the light comes on, you can keep on driving. Just make sure that you bring your car in for serving soon.

If the light is red instead of amber, the problem might be something serious. For instance, your car might be running with low engine oil or low oil pressure. If this happens, you should pull over and check the hood as well as the oil level. In addition, look for signs of overheating, such as steam from the radiator.

Air Conditioner Failure : It can be quite frustrating when your air conditioner fails you at a time when you need cool and refreshing air the most. If your car's air condition fails, the most likely cause is the lack of refrigerant. If that's not the cause, the problem might most likely be the compressor.

Vehicle Pulls to One Side : Once you notice that your vehicle starts to veer off in a certain direction when you get your hands off the steering wheel, or you are having a hard time keeping your car in a straight line, your car might not be properly aligned. This can be fixed by taking your car in for realignment.

Clicking Sound : You may hear a clicking sound as your roll and it is driving you nuts. Do not panic by thinking that it might be a major problem. You can pull your car over or find an empty parking space. Check the exposed tread of each tire. You should also get in your vehicle and roll it back and forward until you expect every part of the tread. You may find a piece of gravel, small piece of rock, or something. Get it off your tire tread and your problem is solved.

Customized Wedding Cake Toppers - Be Unique

Customized Wedding Cake Toppers - Be Unique

The great day is coming! You are going to be the most beautiful bride in the world. You want a unique wedding that can reflect your personality and feeling? Then you begin to spend lots of time choosing wedding dress, wedding favor, and wedding bouquet. Do not forget one small but meaningful thing - wedding cake topper! Recently customized cake topper has become more and more popular, little figures of the newlyweds with funny or elegant pose can be sparkled point at the ceremony and also an adorable keepsake after that. A fantastic wedding topper can be a great talking point, and will remind you of the wonderful occasion every time you see it.

Nowadays, ordering a customized cake topper from Internet has been very popular. There are lots of suppliers offering different kinds of toppers such as monogram toppers, clay toppers and more ... Actually there are too many of them that you have to spend hours to choose the right one. Here are some tips on how to choose your customized toppers.

Basic principal, Let the customized wedding toppers match your wedding, your personality or the special thing you want to memorize. And take a look around the market; get a general idea about the existing product. You are going to spend lots of money to custom your own topper; you do not want it to be similar to the existing product, right? If so, that would be a great waste of money.

Second choosing a material you love. You may wonder why need pay attention to material? Since sometimes styles of toppers depend on the material. For example if you want to custom cute animal theme toppers, then paper clay or fabric would work perfect on your requirement, other materials such as glass or porcelain might not work that good. Cute and lovely feeling may not be fully expressed by glass or porcelain.

At last, tell the artist or craftsman what you want details, write an instruction for your toppers as detailed as possible. You can even tell them the reason why you want to custom the cake topper, these can help them catch the unique meaning of the cake toppers and often that would be a great help for making the toppers.

Wood Lathes and Their Tools

Wood Lathes and Their Tools

Wood Lathes date back to about 1300 BC. Egyptians first developed a two person lathe where one person would rotate the wood with a rope while another would shape the wood with a sharpened tool. Romans later improved the lathe by the use of a Turning Bow. Later in the Middle Ages a Foot Pedal replaced the Turning Bow and allowed one person to operate the lathe, the Foot Pedal is still used to some extent in Third World Countries.

Lathes continued to evolve through the ages; using animal power, water power, steam power and electric power. Today we are fortunate to have a variety of variable speed lathes and sizes from small bench lathes to the larger lathes that will turn objects up to 24" in diameter and still bigger but these are special use, usually for commercial application.

When a lathe size is mentioned say as a 14 inch than means there is 7 inches between the center of the Head Stock and the lathe bed or Ways; 14 inches is the maximum diameter.

Tools for the Wood Lathe; there are many but they all fall into six tool groups. They are the Gouge, Scraper, Skew, Parting Tools, Specialty Tools and Carbide tools. The numbers of these tools are greatly multiplied when you consider different sizes as in thickness, width and length. The many different profiles or shapes that also increase the number of tools. After you have turned for a few years it is easy to have 20 or 30 different tools.

Gouges: There are several profile shapes that have specific uses. Spindle Gouge is used for shaping square wood into round spindles and because of its high sides it should never used on bowls. Bowl Gauges have many different profiles that make bowl gouges very versatile and are great tools. Detail Gouges have their purpose. Gouges require practice to understand different methods of use and how to sharpen the tool. If you take the time to learn how to use the bowl gauge you'll never be without one in your tool chest.

Scrapers: Are used to smooth your turning, sharpened correctly they are very good. Many experienced turners leave a burr on the edge, this will cause to scraper to cut very fine.

Skews: Have a double edge bevel and are normally shaped at about a 30 degree angle. With the double bevel edge the chisel can be turned over and used both left and right, some have a rounded edge. Skew can be used for smoothing and special angels.

Parting Tools: Are used for parting off (removing) the turning from the waste block. There are a number of other limited uses.

Specialty Tools: Are texturing tools, chatter tools, Chinese Ball Tools, and etc.

Carbide Tools: Are gaining a lot of use because of their hardness and ability to stay shape longer. The carbide cutter is attached to the shank of a tool that can only be used for that purpose. The different shapes are cups, flat round, square, diamond and etc. They are a good tools and have their place in the wood turner's tool chest. The only drawback is the cost of the replacement cutters.

Beginning turners can purchase tool sets in a number different sizes depending on the size of the lathe. The sets will have one of each of the tools described above except the specialty and carbide tools. I hope this article helps those that are just learning this wonderful craft.