Jumat, 04 Juli 2008

Car Loans

With Car Loans, The Desire Of Driving Your Passion Comes True

by: Eva Baldwyn


Wishes and desires play a very important role in life as far as the personal satisfaction of a person is concerned. But this desire also may take shape of a need which you cannot ignore. One such need is a car which may be desired early on but with the fast pace of the world, it is important to own one as well and this can be easily done with the help of car loans. With these loans available so easily to the borrowers, owning an automobile is no distant dream now. Everyone can own it and use it for their need when traveling in the public means somewhat expensive and time-consuming. Borrowers can buy a car which is either new or old depending upon the personal wish. Any car which is 5-7 years old can also be bought with the money borrowed. These loans may require the borrower to make a choice. If the borrower chooses the secured option for his need, then he will have to pledge the car being bought as collateral with the lender. This will help the borrower in getting a low rate of interest for these loans as repayment is assured due to security pledged. However if the borrower does not want to put his car to any kind of risk, he may take up the unsecured form of these loans. This form will not require the borrower to pledge any assets and just a slight raise in the interest rate will have to be agreed upon by the borrower in order to take up these loans. The term of repayment for these loans is 5-7 years irrespective of the choice that the borrower makes between the two options available as the market value of the car starts to decrease after this duration. Car loans facilitate the borrowers in buying a car for their use. These have empowered the people that they too can easily match up with the world and a car is no more a luxury but a need.
About The Author
Eva Baldwyn aims to inform common men and women of the several issues involved in personal loans and mortgages through her articles. An MSc in Economics & Finance from the Warwick Business School is proof enough of the knowledge that she possesses in the field of finance. To find Car Loans, Cheap personal car loans, Bad Credit car loans visit http://www.borrowcarloans.co.uk/

Accidents & injuries

Motorcycle Accidents & Injuries

by: Gary E Rosenberg


You can ride safer by following these quick tips on motorcycle safety: 1. Always assume that you and your motorcycle are totally invisible to other drivers. 2. Leave plenty of space in front and back and to the sides from all other vehicles. 3. Beware of motorists turning left in front of you at intersections. 4. Never drink or take drugs and try to ride a motorcycle. 5. Avoid riding at night, especially late Saturday night and early Sunday when drunken drivers may be on the road. 6. Beware of taking curves that you can't see around. A parked truck or a patch of sand may be awaiting you. 7. Do not try to 'get even' with another rider or motorist by giving in to road rage. 8. If someone is tailgating you, either speed up to open more space or pull over and let them pass. 9. Take a motorcycle safety course to learn what to look for to avoid accidents. 10. Wear protective clothing and a helmet. There is no New York No-Fault insurance available to motorcycle riders. This means that in the event of injury in a motorcycle accident, private health insurance must pay the bills. If the rider wins a lawsuit, these bills must usually be paid back to the health insurance carrier. If there is no health insurance available, the issue of medical bills and paying for medical care becomes complicated, indeed. Consult an experienced accident and personal injury attorney. As a lawyer and rider who has held a motorcycle license for many years, I have some definite thoughts on this topic. But I'd like you to "cram down" some statistics about motorcycle safety, which relate to accidents and injuries, and which I find fascinating: 1. Approximately 3/4 of motorcycle accidents involve collision with another vehicle; most often a passenger automobile. 2. Approximately 1/4 of motorcycle accidents are single vehicle accidents involving the motorcycle colliding with the roadway or some fixed object in the environment. 3. Vehicle failure accounts for less than 3% of motorcycle accidents, and most of those are single vehicle accidents where control is lost due to a puncture flat. 4. In single vehicle accidents, motorcycle rider error is present as the cause about 2/3 of the time, with the typical error being a slideout and fall due to overbraking, or running wide on a curve due to excess speed or under-cornering. 5. Roadway defects (pavement ridges, potholes, etc.) are the accident cause in 2% of accidents; animal involvement causes 1% of accidents. 6. In multiple vehicle accidents, the driver of the other vehicle violates the motorcycle right-of-way and causes the accident 2/3 of the time. 7. Drivers inability to recognize motorcycles in traffice is the main source of motorcycle collisions. The driver of the other vehicle involved in collision with the motorcycle does not see the motorcycle before the collision, or does not see the motorcycle until too late to avoid the collision. 8. Deliberate hostile action by a motorist against a motorcycle rider is a rare accident cause. 9. The most frequent accident type is the motorcycle proceeding straight and the automobile making a left turn in front of the oncoming motorcycle. 10. Intersections are the most likely place for the motorcycle accident, with the other vehicle violating the motorcycle right-of-way, and often violating traffic controls. 11. Weather is not a factor in 98% of motorcycle accidents. 12. Most motorcycle accidents involve a short trip associated with shopping, errands, friends, entertainment or recreation, and the accident is likely to happen close to the place the trip began. 13. The view of the motorcycle or other vehicle involved in an accident is limited by glare or obstructed by other vehicles in almost 2 of multiple vehicle accidents. 14. Visibility of the motorcycle is a critical factor in multiple vehicle accidents, and accidents are significantly reduced by the use of motorcycle headlamps (on in daylight) and the wearing of high visibility yellow, orange or bright red jackets. 15. Fuel system leaks and spills are present after 62% of motorcycle crashes. This means that there is usually a fire hazard. 16. Motorcycle riders between the ages of 16 and 24 are significantly overrepresented in accidents; motorcycle riders between the ages of 30 and 50 are significantly underrepresented. Although the majority of accident-involved motorcycle riders are male (96%), female motorcycles riders are significantly overrepresented in accidents. 17. Motorcycle riders involved in accidents are essentially without training; 92% are self-taught or learned from family or friends. Motorcycle rider training experience reduces accident involvement and reduces injury in the event of accidents. 18. Almost 1/2 of fatal accidents show alcohol involvement. 19. Motorcycle riders in those accidents have difficulty avoiding the collision. Most riders overbrake and skid the rear wheel, and underbrake the front wheel, greatly reducing the ability to slow down and avoid the accident. In the presence of alcohol, the ability to countersteer and swerve are just about absent. 20. The typical motorcycle accident allows the motorcyclist just less than 2 seconds to avoid the collision. 21. Motorcycle modifications such as those associated with the semi-chopper or cafe racer are definitely overrepresented in accidents. 22. The likelihood of injury is extremely high in motorcycle accidents - 98% of multiple vehicle collisions and 96% of single vehicle accidents result in some kind of injury to the motorcycle rider; 45% result in more than a minor injury. 23. Half of the injuries to motorcycle riders are to the ankle-foot, lower leg, knee, and thigh-upper leg. 24. Crash bars are not an effective injury countermeasure; the reduction of injury to the ankle-foot is balanced by increase of injury to the thigh-upper leg, knee, and lower leg. 25. The use of heavy boots, jacket, gloves, etc., is effective in preventing or reducing abrasions and lacerations, which are frequent but rarely severe injuries. 26. Speed, alcohol involvement and motorcycle size increade the injury severity. 27. Seventy-three percent of accident-involved motorcycle riders use no eye protection, and it is likely that the wind on their unprotected eyes contributes to impairment of vision which delays hazard detection. 28. Approximately 50% of the motorcycle riders in traffic use safety helmets but only 40% wear helmets at the time of their accident. 29. Voluntary safety helmet use by accident-involved motorcycle riders was lowest for untrained, uneducated, young motorcycle riders on hot days and short trips. 30. The most deadly injuries to motorcycle accident victims are injuries to the chest and head. 31. The use of the safety helmet is the single critical factor in the prevention or reduction of head injury. 32. Safety helmet use does not decrease the riders ability to hear or see, and causes no fatigue or loss of attention; no element of accident causation is related to helmet use. 33. Helmeted riders and passengers showed significantly lower head and neck injury for all types of injury, at all levels of injury severity. 34. The increased coverage of the full facial coverage helmet increases protection, and significantly reduces face injuries. 35. There is no increase in neck injury by wearing a safety helmet; helmeted riders have fewer neck injuries than unhelmeted riders.
About The Author
Gary E Rosenberg FREE books and reports! For more information about New York car accidents and personal injury request Gary Rosenberg's FREE book: Warning! Things That Can Destroy Your CarAccident Case (And the Insurance Companies Already Know These Things), at http://www.GreatLegalBooks.com . For more information and FREE reports, visit my website, http://www.GaryRosenberg-Law.com.

Kamis, 03 Juli 2008

Wood Gas - The Future Biomass-Derived Fuel

Wood Gas - The Future Biomass-Derived Fuel

by: Krzysztof Lis


Let's assume, that you own a farm. You produce grain and have a lot of straw. You'd like to make your energy on site from the biomass you have available. You might plant your fields with rapeseed or canola and produce biodiesel. But you'd need to get methanol and lye first, since both of them can't be made there! And you can use your biodiesel only in compression ignition (diesel) engines. And what if you have an old genset powered by spark-ignition (gasoline / petrol) engine? I think I might have a solution for you... You'll make use of a technology that's more than 200 years old. It's greatest development took place during World War II in 1940s in Europe. At that time most of petroleum-derived fuels were used by military and there was no fuel left for civilians. So they made their own fuel, the wood gas from wood or charcoal. In some countries 95% of civilian transport (trucks, buses, even fishermen's boats) were fueled with this gas. What is this wood gas? From chemical point of view it's a mixture of combustible carbon monoxide (CO), hydrogen (H2) and methane (CH4), dilluted with some water vapor, carbon dioxide (CO2) and nitrogen (N2). This gas can be easily used for almost every internal combustion engine. Well... except for the most modern ones, they'd require to have their electronics to be modified. How wood gas is made? When you heat wood it is pyrolysed, i.e. all the tars vaporize. When you add some oxygen, the carbon bound within the wood cells is burnt to carbon dioxide. The vapors burn too. When those burnt gasses pass through a layer of very hot char, they are reduced to carbon monoxide and hydrogen. A small amount of methane is also produced. When the gas is cooled and cleaned of any tars and particles, it can be used in internal combustion engine, boiler or any other device! What do you need to produce your own wood gas? You'd need a device that's called gasifier. It consists of fuel hopper, gasifying chamber and a set of filters. It's very easy to build, the people during WWII made it out of old water heaters and stuff like that. Is wood gas safe? Well, if you don't inhale it, you'll be OK. Carbon monoxide is very toxic and poisonous, so caution is required when using wood gas. From the engine point of view, if it's clean, it's safe. The tars might condense inside the engine, for example on valves, which might cause the engine to fail. The particles would probably destroy the contact surfaces on pistons and cylinders. If the gas is too hot the engine will not work (hot gas is diluted and has small energy content per unit volume), but it will not harm it. Any drawbacks? One that's worth mentioning. Petrol engines will suffer 1/3 power loss -- the wood gas does have small heating value. Diesel engines will not suffer such power loss, since they work on stratified mixtures and because of that you can introduce more wood gas to recover the power loss. You'd need to leave some small amount of diesel to be injected to the cylinders to ignite the wood gas. Interested? One liter of petrol / gasoline can be replaced with 2.5 - 4 kg (5.5 - 9 lbs) of wood. How cool is that!
About The Author
Krzysztof Lis is MSc of mechanical engineering, graduated on october 2007, and lives in Poland. For 5 years he owns a site on biofuels (especially biodiesel and wood gas) and other alternative energy sources. He started translating this site to english http://alternative-car-fuels.com

Avoid Highway Robbery Using the New Crude--Water

Avoid Highway Robbery by Using The New Crude--WATER



by: Leslie Lackman


HERE'S THE BAD NEWS. Engines waste gasoline! Up to 80% of the high-priced gas that you pump doesn't get you anywhere because it goes UNBURNED to the catalytic converter. That means you are getting 0 MPG (zero, zilch, nada) from most of the over-priced gasoline you pump into your tank. WHY DO COMBUSTION ENGINES WASTE SO MUCH GAS? That's what they are designed to do--WASTE GAS--because every second of every day, everywhere in the world, every single gas and diesel engine on the planet puts money into the deep, deep, DEEP pockets of Big Oil. Automotive and fuel technology has been deliberately held back, and people have been kept in the dark about AMAZING inventions and discoveries, in order to sell us lots of gasoline. Sorry, but that's how it is. For example, the gas could be preheated and better formulated for better combustion--but it's not. The fuel vapor droplets could be smaller for efficient combustion--but they're not. The pre-set computer-controlled air-to-fuel ratio could be more economical--but it's not. The exhaust could be reprocessed to contribute to mileage (there are patents on that)--but it's not. Cars could be using a better carburetor design--but they're not because the patent for a 100 MPG carburetor was bought and buried years ago. Cars could be running completely on water fuel--but they're not because those patents were also bought and then buried along with the inventor (however, the patents ran out recently!). Even the hybrids that Big Auto is selling at luxury car prices don't optimize gasoline combustion and consumption. HERE'S THE GOOD NEWS. You can do something about it, ONE CAR AT A TIME, starting with YOUR car. How? By using ENERGY from WATER. If that sounds impossible, or crazy, or delusional, I understand. This is something that none of our trusted sources of information--TV, radio, teachers, movies, professors, magazines, dad, scientists, books, Sesame Street--have told us about. Why? See the bad news, above. I mentioned amazing inventions and discoveries. Many of them have very sophisticated technical patents on them. But the kind of water energy system I am talking about, the one that is affordable and do-able by ME and YOU in OUR cars (not by buying a Big Auto hybrid with a luxury car pricetag), is a do-it-yourself technology, specifically designed for beginners with basic tools and very limited budgets. A working system can be built at home for $20 to $200 worth of parts and installed in your car, truck, or SUV on a weekend. It's a 90-year-old technology that has been revived and developed into a simple, affordable, SAFE system based on low-cost hardware. It works like this: The main component of the low-cost water energy system is an electrolyzer-a container of water with electrodes in it. The electrolyzer takes a tiny bit of electricity from your car. The electricity "splits" water into hydroxyl gas and feeds it immediately to the engine cylinders. The improved air/fuel mix gets very efficient combustion. SPINNING WHEELS, NOT HEADS Remember the bad news at the top? Remember I said that wasted fuel can be as much as 80%? In other words, even though you have paid $3.50 or more per gallon, you are only getting performance from as little as 20%--two gallons out of every ten--of the gas you pay good money for! It puts a whole new complexion on the phrase "highway robbery." Our heads are spinning from rising gas prices. Now imagine instead that ALL your gasoline is working for you--it's actually turning your wheels and not just being turned into carbon deposits on your engine or exhaust from the catalytic converter. What would it be like for ALL that gasoline to be giving you mileage? It would be a WHOLE LOT MORE ECONOMICAL, that's what! That's what happens when you add the energy from water. SEEING THE SEA OF ENERGY Wondering how much energy is in water? One gallon of water converts to approximately 1,833 gallons of combustible gas. One observer noted that a gallon of water in his water energy system lasted for about 2,700 miles. "Energy from water" is hard to believe because we are misled by the appearance of water when it's liquied. It looks so, well, WET and noncombustible. But if we could SEE the sea of energy in the water--zillions of hydrogen and oxygen atoms ready to break out and be combustible gas under the right conditions--it would be easy to conceive that, indeed, water can be "burned" in an engine, thus taking advantage of a new "crude"--plain water. Why aren't scientists telling us about this? Why doesn't it make big headlines? More bad news. Some of them just don't know about it, and some are paid to tell us about anything BUT this. Also, scientists are sometimes far behind empirical evidence from experimenters and inventors. Sometimes a true scientist makes an amazing discovery and is suddenly way ahead of everyone. What happens then? He or she has to fight all the other scientists that are way behind or too vested in the old paradigm. So who are the true scientists around here? A TRUE scientist could be anyone, including a scientist. THE LAW OF CONSERVATION Here is something to ponder from Patrick J. Kelly of http://www.panaceauniversity.org/. He has a delightful way of tilting one's mind out of its box: "The Law of Conservation of Energy is undoubtedly correct when it shows that more energy cannot be taken out of any system than is put into that system. However, that does not mean that WE cannot get more energy out of a system than WE put into it. A crude example is a solar panel in sunlight. We get electrical power out of the panel but we do not put the sunlight into the panel-the sunlight arrives on its own. This example is simple as we can see the sunlight reaching the solar panel. "If, instead of the solar panel, we had a device which absorbs some of the energy that Quantum Mechanics observes and then gives out, say, electrical power, would that be so different? Most people say "yes!--it is impossible!" but this reaction is based on the fact that we cannot see this sea of energy. Should we say that a TV set cannot possibly work because we cannot see a television transmission signal?" BUT ISN'T IT DANGEROUS? We have been living and driving with danger for decades--it's called GASOLINE! Cars and trucks are planet-polluting bombs on wheels! But we are accustomed to it, right? And for the most part, we don't blow ourselves up. But in the water energy system, I know, you think we're talking about tanks of compressed hydrogen in the car, but that's not how it is done! Here's the beauty of it: Hydrogen is already compressed in plain water! All we do in a water for fuel system is UNCOMPRESS and USE it--immediately, on-demand, in the engine! No hydrogen bombs on board. Just a container of distilled water! And the exhaust is--WATER! You split water, you burn it, you get fantastic mileage, you get a little water left over. GREEN TECHNOLOGY You can't get much greener than this unless you go for an engine designed to run completely on water, like the one that was designed and proven by Stanley Meyers when he drove across the United States on approximately 28 gallons of water. (You can see interviews with him on YouTube.) You can't get much more affordable, either. And because this is GREEN technology, and you will not be causing any damage to the car or the engine (far from it), your warranty will most likely be intact AND the government will owe you money for going green! INSTALL WATER ENERGY SYSTEM, DROP JAW You could pay someone to install your water for gas system. There are hundreds of people around the world who are constructing and installing water energy systems, as well as driving "watercars" themselves. These people save gas, save money, get much better mileage, and enjoy smoother-running engines and greatly reduced emissions. And that's why they are happy to do the same for you so you can save gas, save money, get much better mileage, and enjoy a smoother-running engine and reduced emissions. Or you could do it yourself, in which case you would first get instructions, which are available on line. Then you would make a parts list and buy the parts from hardware and electronics stores. Third, you would construct the components of the water energy system, put them all together, and install the system, making all the necessary adjustments to it. You would now be the proud owner of a Water Hybrid Vehicle. And last, after picking up your jaw from the floor, where it has dropped in astonishment at your engine's mileage and performance, you would become an advocate of water energy, as I have. BETTER COMBUSTION FOR THE MIND To really grasp the implications and possibilities here, we must first clean the carbon deposits out of our minds. Using waterfuel is an approach to our cars and fuel that requires more participation from us. The whole water energy system consists of physical components PLUS your mind and attitudes about fuel consumption. To really optimize your waterfuel system, you will also be using fuel warmer, some Kiker wires to improve the spark, Xylene to add to your gasoline, a low-friction synthetic motor oil, a couple bottles of fuel treatment to clean carbon deposits from old unburned fuel out of your engine, a MAP sensor enhancer to keep the car computer from over-correcting the fuel mix back to over-rich, tires that are always fully inflated, and a real-time mileage tracker so that you won't have to use an entire tank of gas to know what mileage you are getting. Perhaps the most important thing is this: Trust yourself. When you use an "alternative" fuel-efficiency system, you are an experimenter who is going against the herd and chances are, you are going to get some flack. Don't be fooled by self-appointed "experts" who don't have hands-on experience and say it can't be done. When they laugh or frown or condescend and say, "It's scientifically impossible," well, first of all, you know they are not "true scientists" (so why are they acting like they know what "scientifically" means?). Ask them if they have ever tried it themselves. You will find they have not. Further discussion might be fruitless, but you can try. Tell them to just wait and see. See for yourself. Don't wait ten years for big industry to do it because they don't want to GIVE you anything--they are only thinking about what they can GET from you while they continue making empty promises. WHAT CAN A WATER ENERGY SYSTEM REALLY DO FOR ME? Well… How much will gas cost the next time you fill your tank? A water energy system won't lower the price of ALL gasoline. It will lower the price of YOURS. But don't just take my word for it. Leslie Lackman is an advocate of the application of free, unlimited energies--mind, water, life force--to cars, health, wellness, and performance. http://water4gas-4heroes.eoltt.com/


About The Author
Leslie Lackman is an advocate of the application of free, unlimited energies-- mind, water, and life force--to cars, health, wellness, and performance. This article is copyrighted, all rights reserved, and it may be used only if kept entirely intact with the author's name and URL.