Charlotte Auto Insurance

How to Pay Less For North Carolina Auto Insurance

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It is very important to compare quotes if you are looking to buy auto insurance any time in the near future. Why? You want to get the best deal and the lowest cost. do that? Employing latest tool to help you obtain North Carolina car insurance rate through internet.

It is mandatory for automobile owners to have a minimum of 30/60/25 auto insurance in North Carolina. With this being said, we know that an owner is paying for an insurance plan that will provide between $30,000-$60,000 worth of coverage for injury caused by an accident, and an additional $25,000 in coverage for other damages. The PIP insurance is not compulsory to be added in North Carolina. (also known as personal injury protection) A considerable investment from its drivers is still anticipated.

There is worth of having insurance. The monetary safety net provide by distributing costs over a demographic unit allows our culture to cope with the inevitable harms of risk, and allows persons some degree of safety in the face of events that might otherwise be extremely more damaging financially.

In spite of the insurance, some may have sad and costly experience, but then there is some consolation that insurance pays some portion of the expense. Based on the records of National Highway Traffic Safety Association, about 37,313 died due to car accidents in the United States for the year 2009. The good news is that, when compared to other times in US since 1961, this is much better. However,this is still a bad total, and for each life that was lost, there were damages. Moreover, the damages and the injuries that had happened from a non-fatal accidents were not included in the count.

You as well as your state have a common interest in you having an insurance for good reasons. But nobody wants to pay more than required, and the tools to control such costs are information and comparison. In the past, you would have had at most a couple of providers to choose from, but these days you can be a more cautious and demanding consumer.

By giving the small quantity of time needed to search out company, compare policies, enter variables into quote services, you can get back in order that might have taken you months or even years in times before the internet became the ordinary man’s engine of empowerment.

Whether you are look for a plan for a striking new car, or inadequate to provide for the safety of a beautiful teenage daughter with a brand new authorize and an itch for the car keys; whether you have a few accidents on your documentation and need to plan carefully and cautiously when you choose a policy, the ability to research plans and get a North Carolina auto insurance quote online means that you can ensure that the search you make is methodical, and weighted in your favor, not in the favor of a company agent’s commission.

A good agent should not feel ashamed for providing honest work and asking for a good return. The internet can be the answer to all of your problems because you are not always able to provide everything. Do not rush and choose the first policy you find. Instead do some research and find a North Carolina auto insurance quote online.

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Great Cars Under 1000 Dollars – All-Star Profiles – Mitsubishi Eclipse

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If you’re searching for a cheap performance car under $1000 dollars its hard to over look the DSM Mitsubishi Eclipse. For those not in the know DSM stands for Diamond Star Motors. Although this profile is for the Eclipse (1990-1994) the Eagle Talon and Plymouth Laser were part of the Diamond Star trio and are basically the exact same car with a few different aesthetic touches. These cars are starting to consistently fall into the sub-$1000 dollar price range and have for many years been offering enthusiasts a lot of bang for their buck. These DSM’s are available in several models, but for this profile we will only be focusing on the Turbo cars. (because turbos are fun!)

All-Star Profile Mitsubishi Eclipse (1990-1994):

In 1990 the DSM trio stormed our shores with a car that offered a ton of performance for the money. The Mitsubishi Eclipse was a sports coupe with aggressive styling (love it or hate it) that offered not only the option of a turbocharged four cylinder engine known as the 4G63 but also the ability to combine this with pavement gripping all-wheel drive. The GS-T being the front-wheel drive only turbo version and the GSX offered the all-wheel drive. In the early 90’s before America was used to getting the latest in all-wheel drive rally inspired vehicles like the EVO and WRX the Eclipse really stood on its own in what it could offer.

The 4G63 engine which is still used today in a much more updated Mitsubishi EVO offered 180-195hp and quickly became a tuner favorite. The 4G63 is just one of those engines with an uncanny ability to absorb quite a bit of abuse and fork over a lot of extra horsepower with relatively little upgrades. Simply turning up the boost on these engines (with supporting fuel and ignition upgrades of course) is such an easy way to make giant killing power. For those who want it all the after market offers basically every upgrade under the sun for these cars and usually your budget is the only limiting factor.

Now when it comes to finding your DSM especially one for under $1000 dollars, the choice must be made carefully with several factors in mind. First off these cars are still desirable, but their age is making them become much cheaper. Unfortunately its no real secret that these cars are fun and offer lots of power, which in turn means that you’re going to have some tough luck finding a clean one that hasn’t been beaten on. In fact like most popular tuner cars the modifications done by the previous owner can be a plus or a huge minus.

The 4G63 engine is capable of taking quite a bit of boost and abuse but in general when you combine big turbo power and all-wheel drive in a 15+ year old car it shouldn’t shock you too much if a few things break. Not to say these cars can’t be reliable in fact there are still lots modified and stock examples still running trouble free everywhere, but do not expect one of these to run like a new Camry. Do your research and take the time to find a good example, although most that are under $1000 dollars may still be pretty rough these cars can be great starting points for a tuner project and can still offer a lot of performance and stack up quite well even against the newer cars on the road.

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How To Find Out If You Have A Warrant For Arrest

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Do you know how to find out about warrant for your arrest?

Do you know if there are any warrants for your arrest outstanding? Have you checked lately? There are a number of reasons why warrants may have been placed on you and you might not even be aware of it. If you do have warrants and you ignore them it could prove costly for you when they finally catch up and arrest you. So how do you find out if you have a warrant for arrest?

There might be warrants issued against you for some very simple reasons. You might have some unpaid parking tickets that you’ve forgotten about. Perhaps you missed a court appearance or there’s been a clerical error at the courthouse. You might even be a suspect in a crime and they simply haven’t been able to find you yet.

Ways to find out if you have a warrant for arrest – Ask a police officer

The easiest way to find out if you have a warrant for arrest is to ask a police officer. They will access their databases and will be able to tell you quickly and at no cost to you. No cost that is unless you do have a warrant against you and they decide to arrest you on the spot. If you don’t like the idea of possibly being arrested then don’t ask a police officer.

Visit your courthouse

If you suspect that you have a warrant for arrest and you know which area it would have been issued in then go and ask at the relevant courthouse. They will be able to tell you if you’ve been issued with any and you probably won’t get arrested unless the crime is serious. This approach is less effective if the warrant was issued elsewhere.

Use an online service

You can now find out if you have warrants for arrest anywhere in the US by using an online website. All the public databases you need are now available to you in an easy to access and affordable way. In addition, they are completely confidential so there is no possibility of you getting arrested by using them.

If you simply ignore the possibility that you may have warrants for your arrest they will catch up to you eventually by which time the fines and costs could be substantial. Don’t take the risk, find out if you have a warrant for arrest now.

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Non-Owner Auto Liability Insurance Policy – How to Get a Cheap Rate

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Thanks to the rising cost of gas, increases in insurance rates, and increasing car costs, many people are giving up their cars and using public transportation. But what if you want to rent or borrow a car to go on a long trip or a vacation? Here’s how to get cheap non-owner auto liability insurance for just those occasions.

What is non-owner auto liability insurance?

It’s auto insurance for people who don’t own their own car, but occasionally rent or borrow one. Coverage includes:

* Bodily injury liability coverage which pays for any claims made against you, plus your legal fees, if you injure or kill someone.

* Property damage liability coverage which pays for claims made against you, plus your legal fees, when you damage another person’s car or property.

If I borrow a car doesn’t the owner’s insurance cover me?

It depends on how much coverage they have. If you cause an accident in another person’s car and you exceed the amount of liability coverage they carry, you’ll be liable for the difference in damages. If they end up in the hospital and sue you, you could end up owing hundreds of thousands of dollars.

Doesn’t the insurance on my credit card cover me?

It depends on the credit card. Some only provide coverage for certain types of cars, some limit the time of coverage, and some only provide collision and comprehensive coverage.

How about rental car agency coverage?

The coverage you get from rental agencies may or may not provide liability coverage, or only provide a limited amount of coverage. Also, if you rent cars for more than 10 days a year, purchasing non-owner auto liability insurance is usually cheaper.

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What is Negligence?

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The term negligence is frequently used in relation to personal injury cases. It is less frequently used in criminal cases but can be a legal issue in both criminal and civil cases. The concept of negligence is a type of tort, or civil wrong, usually used to gain compensation for injuries. In most personal injury cases the prosecution must prove negligence on the part of the defendant in order to receive monetary compensation for:

Physical injury

Damages to personal property

Injury to mental well-being

Emotional anguish

Harm to financial status

Harm to intimate relationships

Negligence should not be confused with carelessness. Negligence involves conduct that falls short of what a reasonable person would do to protect another individual from harm due to foreseeable risks. In cases of negligence, what the conduct of a “reasonable person” should have been needs to be defined. Defining how a person should have acted in cases of negligence can be difficult.

Proving Negligence

Negligence cases rely on very specific facts. It is impossible to have laws that specifically state in all cases when negligence has occurred as each case is generally radically different from the next. For instance, a personal injury case trying to prove negligence could involve anything from an auto accident to defective children’s toys. There are more cases in which negligence might be proved than can be listed. But negligence is not the only aspect of the law of liability. Although damages need to be proven in liability cases, the nature and extent of the damages are not the primary focus of the case.

To prove negligence, there are four elements that must be presented. These elements are:

Duty

Breach

Causation

Damages

Duty

All members of society have a duty to others and their property to exercise reasonable care. Proving duty involves defining what “reasonable care” would be in each specific liability case.

Breach

When an individual engages in any type of activity that poses an unreasonable risk towards others and their property, he has breached his duty to exercise reasonable care.

Causation

In a negligence case, the prosecution must show that particular acts or omissions were the cause of the damages sustained.

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Sandra Bridewell

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Biography

Sandra Camille (Powers) Bridewell, was born, April 4, 1944. She was adopted as a child by Arthur and Camille Powers of Sedalia, Missouri. She was known primarily as a destructive con-artist, as, over the course of more than 3 decades, the woman who became known as the “Black Widow”, deceived both lovers and friends for hundreds of thousands of dollars. She is also suspected of being a part of, atleast one of her husbands and also a close friend death.

It all started in a disconcerting and traumatic childhood. Reports indicate, that at the age of 3, her adoptive mother, Camille, was killed in a car-accident. Bridewell’s father, Arthur, who both managed and commanded a Dr.Pepper bottling factory, eventually re-married, and the family were re-located to Oak Cliff, Texas, a suburb of Dallas. He resigned from his previous position and found new employment, becoming a cemetary plot salesman.

Bridewell discovered that adjusting to her new surroundings was not the problem, the problem was adjusting to her new stepmother Doris. The two of them were continuosly fighting, whilst Bridewell would protest that her stepmother regulary locked her inside a closet, refused to send out birthday party invitations and enjoy telling her that nobody wanted her.

Bridewell graduated high school in the year of 1962. As a high school student, she would rarely date, however after graduation, she soon began dating a series of different men. She was extreamly seductive, many of the men became totally smitten with, what a later friend would describe as, “her, ‘lady-like’, ‘poor-helpless-me’ routine”. Bridewell attended junior college for a single year, it seems Bridewell had already decided her intentions, she wanted to marry into money.

Crime

For Sandra to achieve her intentions, she began living a life, littered with deception and deceit. She would tell some friends, that both of her adoptive parents were killed. She would tell some others she was daughter to Irish aristocrats. The most common deceit that she used with regularity, was the “West Point Boyfriend”, this entailed the story of a boyfriend who shot himself while she sat next to him in a car.

Despite Sandra’s continuous deceptive nature, she was able to convince many people to believe her lies, especially men. Many stories from these men, were very similar and followed a general theme, recalling, “She had a way” and, “Men, just sort of… were fascinated with her”. Sandra through the course of her life, would intensify the deception and lived with many different aliases.

There were many victims, from her guiltless deceit. One such victim, was the up-shot dentist, David Stegall, who was schooled in Los Angeles and was a regular dentist for high-status Hollywood stars. Stegall had a compulsion towards, Cadillacs, large homes and pretty women. Sandra noticed something she liked about Stegall, and by the year 1967 she had married him. Within the first few years after the marriage, the couple began to raise a family, and soon had 3 daughters, Britt, Kathryn and Emily. The family enjoyed a high-class lifestyle and lived in a most desirable Dallas neighbourhood.

Sandra’s taste and passion for the finer things were even more profound than her husbands, and desite the massive salary and reputation of Stegall, Sandra’s tastes were beginning to strain and taking the family to the brink. Sandra was a connoisseur of many things, she loved beautiful artwork and expensive furnishings. By the year 1974, the couple’s marriage was in turmoil and the family was in severe debt, forcing Stegall to loan a substantial sum of money from his father to pay off a number of the hefty bills.

By February 1975, the situation had over-come Stegall, and he tried to commit suicide. Reports indicate that Sandra discovered a distressed Stegall closed in a closet with a gun pointed at his head. Sandra was then able to persuade Stegall to re-consider. However this did not change Stegall for the long-term, and a few weeks later he was discovered dead. Lying on in his bed with both wrists open and a.22 caliber gunshot wound through his head.

Sandra swiftly took action towards straightening her financial situation. This started with the collection of her husband’s life insurance policy, sold the lat Stegall’s practice and began dating other wealthy men. After a mere 3 years of her husband’s death, Sandra was married again, this time to well-known Dallas based developer, Bobby Bridewell.

Soon after the wedding Bridewell took the decision to adopt Sandra’s 3 daughters and the family made their’ home in the fancy Dallas neighbourhood of Highland Park. However in 1980, life changed and in dramatic and tragic twist Bridwell was diagnosed with cancer. Sandra found the diagnosis extremely painful, as she continued her life in her usual way, with an elemental grieving. During her husbands battle with the illness, Sandra decided to have the family’s entire household remodelled, forcing the weakening Bridewell to move into a friend’s house. Bridewell after a 2 year struggle, finally succumbed to his diagnoses and died.

The impact of Bridewell’s death was hard-felt by Sandra. At least for the short-term, she was able to gain support and hope, in the friendship of Bridewell’s oncologist, Dr’ John Bradwell and his wife Betsy. In the beginning the couple were more than happy and open to offer support to their friend. Sandra over-time, began visiting the Bagwell household with more frequent persistence. Whilst the doctor and his wife were enjoying a vacation in New Mexico, Sandra went as far as to show up unannounced. Her ever increasing requests were frequented with pleads of childcare and harassment through phone calls.

The Bagwell’s soon decided upon action, and attempted to extricate themselves from the relationship with Sandra. Sandra however would not allow it. In June 1982, she made a phone call to Betsy, and requested she take her to the hospital, so she could rent a car as her’s wouldn’t start. Betsy supplicated and would take Sandra to the hospital, and then back to the Church were Sandra was previously parked so she could retrieve her license, which she claimed on arrival, had been forgotten.

The exact details of the encounter remain shrouded in mystery. What is understood, is that on June 16, 1982, authorities discovered the 40-year old Mrs. Bagwell, dead in her Mercedes i the airport parking lot. There was a large gunshot wound in her head, and a stolen.22 caliber pistol held in her right hand. when the verdict was given, it was concluded as a suicide.

Despite the verdict, there was still many questions unanswered. The police were aware that Sandra was the last person to have seen Betsy alive. Questions emerged about the death, these included the absence of a suicide note. The police however refused to re-examine the case and it remained closed.

As was so accustomed to Sandra, she non-chalantly continued with her life. As of June 1984, another man had fallen into her clutches. The victim, a good-looking 29 year-old, Alan Rehrig, had just moved to Dallas to begin work for a mortgage company. Sandra was conversing around her yard, when Rehrig, searching for a place he could call home, happened to pass by in his car. Pulling his Ford Bronco over to the side of the road, he asked Sandra if she knew of any apartments to move into. She admitted she did not, instead, agreeing to help him out.

Within just a few short weeks the pair became inseparable. Rehrig was extremely fond of Sandra’s 3 daughters, who, at their’ mother’s calling would announce themselves upon an unsuspecting Rehrig, whilst he was busy working at his office. Sandra, by the fall of 1984, had some unexpected news for Rehrig and delivered the news that she was pregnant with twins. This situation was even more curious for one important reason, 7 years previous Sandra underwent a successful hysterectomy. This was yet more deceit from Sandra, feeling that as she gained some weight around her stomach, that she could lie effectively. There were of course more lies, lies including her age, telling Rehrig she was 36, when she was in fact 41.

A trustworthy Rehrig, had no reason to doubt his new girlfriend, as he still felt the were getting to know each other. Despite the intervention of friend’s to demonstrate to Rehrig the speed at which his life was changing, he was also in love, and, December 1984, Sandra Bridewell and Alan Rehrig became husband and wife.

There was always the awareness to Sandra, that the pregnancy lie could only take her so far. With, Rehrig committed entirely to his wife, Sandra was able to easily change the story. So, in February 1985, she made a phone call to her husband and told him the unfortunate news that she had a miscarriage.

The news was devastating to Rehrig and the marriage began to suffer as a result. Like her previous two husbands, Rehrig was beginning to realise that his wife a pallet for expensive tastes. She would push him to make more and more money, and made him take out a big life insurance policy. Friend’s recall how Rehrig complained of Sandra’s habits, as she spent $20,000 a month on clothes, food and travel.

November 1985, and the couple separated. Rehrig was convinced he had to end the relationship with Sandra and moved into a friend’s home. The two of them, were separated for a period of several weeks and they didn’t so much as set eyes upon each other. Then in early December, Sandra phoned Rehrig and arranged a meeting at a storage facility at which the two had stored some items.

The true happenings of what ensued over the next several hours have never been determined. What is understood is, Rehrig was located slumped over in his Bronco in Oklahoma. The were vast gunshot wounds to both the head and the chest. It was also determined that Rehrig has in fact been driven all the way to Oklahoma. The death of Rehrig was heavily scrutinised, Sandra was suspected of his murder, however nothing could be pinned on the woman who had become known around Dallas as the, “Black Widow”. Her demeanor under interrogation could be described as coy, almost playful. There was then a total switch in behaviour from the “Black Widow”, and she became completely uncooperative, refusing anyone to talk to both her and her daughters.

If there was any grief towards her husbands death, then it was being hidden well. Sandra, was scrimping on funeral expenses, selecting the most in-expensive casket possible for Rehrig and then convincing her friends to cover the burial costs. On the day of the service, she arrived late, dressed head to foot in a rich mink coat. This was an affordable expense, Rehrig’s death had provided her with a $220,000 life insurance claim, dropped straight into her bank account.

Sandra’s reputation however was in tatters. A popular local magazine, detailing Sandra’s curious past, and recounting her behaviour was to serve to this. Sandra was soon to leave Dallas for good, she re-located herself and her family to the San Francisco area. Sandra still contained the same charm and engaged it upon Marin County, she soon began dating a gaggle of wealthy men, who were sympathetic towards her past story, this story would often incorporate the use of a trust fund that she was about to be receiving and her non-restrained sexual inhibition. One of the men loaned her $23,000., whilst another was suckered into parting with $70,000, which he pulled up through a pension. Neither of the men received a single penny of their loans back, even though they took their’ claims to court. Soon, the same and similar stories that had surrounded Sandra in Dallas, began to appear in San Francisco.

By the early 1990′s, Sandra changed her name and was now known as Camille Bridewell. She had left California, and moved to Boston, where she took up residence with a boyfriend. She was also a resident in Connecticut and Hawaii. Despite the change of addresses, the same meanness still stewed in her underbelly. She would now steal the Social Security numbers of other people, she would take out credit cards, and rack up huge purchases, without an intent to ever pay the money back. she was so malicious in her actions, that she even destroyed the credit of her daughters.

As the millennium came around, Sandra was now middle aged, and shifted from sexuality to religion, as to draw her victims closer. The basis of her stories would now involve the invention of stories such as, she was a missionary who had traveled the world and work with orphans. As usual she was very persuasive and had a way to make people submit to her wants. She then befriended a couple who owned and managed a motel in the state of Alabama. Despite the fact that she was unable to even pay for a room, she was receiving food and money from the cople.

she continued with the missionary story, and as she moved herself to Atlanta, she would change her name slightly, from Bridewell to Bridwell. She then convinced a woman she met at church to split with the cost of an expensive condo rental. After a little time passed, Bridwell’s new housemate, found she was paying for everything, as Sandra claimed she was waiting for a large sum of money to be delivered form her trust fund.

As 2006 ensued, Sandra surfaced in North Carolina, at a new church and changed her name to Camille Bowers. Later that year, in September, she moved herself in with Sue Moseley, a 77 year old woman, residing in a million dollar home on the Carloina coast. Sandra struck up a deal with the son, Jim, that in return for the management of the housekeeping, she would receive free room and board.

She began to build a respectable reputation around the local community, and spoke several times at a local women’s club. Sandra then began the process of acquiring the finances of the Moseley’s. She gathered tax records, collected her Social Security payments into a separate account, siphoned off mortgage money, created credit charges and used Mosele’s bank account to fund her personal expenses, including spa treatments and expensive shoes.

Jim soon became suspicious of the new housekeeper, and early in 2007, he stumbled upon a length newspaper story in a Dallas publication, chronicling the exploits of her life. Jim, working alongside the police, as a front man in a sting, aided the arrest of the “Black Widow”, on 2nd March 2007 in a cafe in Charlotte, North Carolina.

Aftermath

The story of Sandra Bridewell culminates with numerous charges under her name. She was commited of, identity fraud, fraud, mail theft and Social Security fraud. After the arrest and the heavy publicity, the police took a renewed interest in the death of Rehrig and the police of Oklahoma City, pour more resources and more manpower towards the case.

February 2008, and Sandra Camille Powers, pleads guilty to one count of identity theft, later the same month she was formally sentenced by the judge. The “Black Widow”, had left a lasting impact and trail of destruction wherever she went, leaving a trail of victims desperate for her sentencing. When justice was finally insued, she was ordered to pay a $250,000 fine,a dn pay more than $1,600 dollars in restitution to the Moseley family.

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The First Time Airplane Buyer

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For most people buying their first airplane can be ranked in conjunction with buying your dream home, getting married or name any other significant event in your life. Buying your first airplane means the completion of a dream. One of the greatest highlights of my career is seeing a first time buyer act like a 6 year old on Christmas morning when I hand him or her keys to their new airplane.

The thought of purchasing an airplane can seem daunting. After all, only 1 in 100 people in the U.S. have a pilots license, much less own an airplane. For those looking for an adventure to a far off land, a 100 dollar hamburger or a business tool to be more productive, rest assured that purchasing an airplane isn’t rocket science, it’s “plane science” which is a whole lot easier so lets begin.

This article will present a step by step process to make your dream come true. Step number 1; make sure your spouse or significant other is on board. I firmly believe that this is the biggest dream killer. If you pass step one (lucky you), then step two is to take inventory of what you are looking to accomplish. What is your mission? Is it to take your wife and kids on a 100 mile trip to the coast on a sunny day or do you often find yourself needing to be in a business meeting three states away and the weather is usually marginal? Here is the key, purchase the airplane that meets your mission at least 80% of the time. Don’t by a six place airplane if 90% of the time it is just you and your wife flying. The extra gas, aircraft cost, insurance, and maintenance of purchasing the extra seats you won’t be using will more than pay for the rentals of the times when you do need the extra seat. The same can be said for buying an airplane to fly you from New York to Florida twice a year. If you are a low time or student pilot, call an aircraft insurance agent to help determine what airplanes you can safely fly. If you are just learning to fly, don’t expect to be flying a King Air any time soon.

Along with determining your mission, determine how much a year you are willing to set aside for an airplane. The purchase price is just one piece of the pie. You will have to do research and find out how much a hangar or tie-down costs at your local airport as well as fuel and shop rates for oil changes and annuals. If you plan on buying a used airplane, set aside money for unscheduled repair bills, and a pre-buy inspection. A good rule of thumb that I have heard from mechanics is budget the price of the annual to cover the unscheduled repair bills. Also, the monthly cost to keep all available subscriptions on a glass cockpit is often overlooked and can run over 100 dollars month. Don’t forget that if you keep your airplane for a long time, you will have to eventually pay for an engine overhaul.

Now that you have determined your mission and know how many premium Starbucks coffees you must forgo to afford your next love (I mean airplane), it is time to begin the search process. A great place to gather information is by attending large aircraft expos such as Oshkosh or Sun N Fun. It never hurts to ask around the local FBO or spend some quality time on the internet searching airplanes. Asking an aircraft broker or sales representative would result in several airplanes to meet your mission and price.

With several different airplanes in mind, the next step is to determine the most important features you want in an airplane? The honest truth is that there is no ideal airplane for everyone that has everything. Each airplane has its strengths and weakness. I recommend rank ordering what strengths you think your ideal airplane should have. A few ideas include: safety record, speed, avionics, payload, cabin comfort, visibility, range, efficiency, cost of maintenance, etc. I would like to expound on these a bit. First, safety record. Airplanes are safe, just some have a better safety record than others. The best way to research a specific airplane is to visit the NTSB website at http://www.ntsb.gov/ntsb/query.asp and do a search on the airplanes you are interested in. Comparing the avionics panel is like comparing a house with a pool to a house without one, it makes a big difference. Airplanes with glass panels are in demand and offer a higher resale value than non-glass equipped airplanes; they also command a higher price. Airplanes with a Garmin 430 or 530 GPS are more desirable than Loran equipped airplanes or no GPS at all. I hate to admit this but it is true, almost any GPS other than a 430 or 530 is almost undesirable in today’s market. If you are a recreational flyer going to the beach, a Garmin G1000 might be overkill, whereas flying with a Garmin G1000 cross county on an IFR plan might be quite useful. The cost of maintenance could be found by contacting a sales representative or asking another owner of the airplane that interests you. Speed, payload and range can be found on the manufacturers’ website or a write up in an aviation magazine. For cabin comfort and visibility, you will most likely have to wait until the demo flight.

By now, you should be down to just two or three models that fit your mission, piloting skill level, price, and features. Before you start dialing for demo flights, you may want to make sure your bank is ok with you buying an airplane. Companies such as Dorr Aviation, Airfleet Capital or AOPA can help you secure financing. Even during this economic downturn, there is plenty of money that banks are willing to lend to someone who qualifies. Plan on putting 15-20% down. Banks are usually willing to lend upwards of 20 years and aircraft financing rates are very favorable at the time of this writing. Once you are preapproved, you won’t have any more doubt and you will be in a much stronger position to make an offer on your next airplane. On a side note, if you don’t qualify for the airplane you are considering, getting into a partnership may be an alternative; (however, I will save partnerships for another topic on another day.)

One additional question that I often hear is should I buy new or pre-owned? Books can be written about new verses used so for the purpose of this article and as a general rule of thumb, if you can go new as a first time buyer, then do it. It will save you headaches when it comes to repairs and having an airplane warranty is nice to have. Buying new can also help with your taxes. The downside of buying new is being prepared to take a depreciation hit when it comes time to sell or trade in.

Finally, if you are looking for a new airplane, give your local sales representative a call and schedule a demo flight. If you go used, you may have to do some dialing and schedule several different visits to find your next Christmas present.

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Calculating Airplane Ownership Cost

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Over the years, calculating the cost to own an airplane is one of the most frequently asked questions I receive. There are a lot of different cost factors that go into owning an airplane. The purchase price is just one piece of the entire cost of the airplane ownership pie. Other pieces include taxes, hangar or tie down costs, fuel, oil, insurance, ramp fees, engine reserves, routine maintenance, inspection items and subscriptions to name a few. The following article will help you determine what costs are involved in owning an airplane and how to plan your finances accordingly. Keep in mind the following article offers a generic estimate on how to calculate the ownership costs of most piston airplanes.

First, we will divide the total cost of ownership into two sections; the first section will be the indirect cost, and second section direct cost.

INDIRECT COSTS

Indirect costs are the costs that you will pay whether or not the airplane flies. These expenses include the purchase price of the airplane (or monthly payments), insurance, tie down or hangar fees, subscription fees, taxes, and tax benefits.

Let’s start with the first indirect cost I mentioned, purchase price or capital cost. This is one of easiest expenses to calculate. If you finance the airplane, get a quote from the bank on the down payment required and interest rate. Currently, rates are approximately 6% with a minimum of 15% down and 20 year financing. As an example, if you put 20% down on a new DA40XLS priced at $350,000, your monthly payment would be just over $2,000 a month over 20 years.

To calculate insurance fees, call your insurance agent and obtain a quote for the airplane you are considering purchasing with your experience level.

Hangar fees and tie downs are self explanatory. Call the airport or FBO where you want to base your airplane and ask what options are available. Usually there are about four choices: tie down (leaving your airplane outside in the elements), covered (airplane is outside in the elements but has a shade covering), hangar in common (airplane is constantly moved around in a large hangar shared with several other airplanes), and finally an individual or T hangar. At many airports hangar space is scarce so don’t be surprised if you end up on a waiting list. Hangar prices vary according to your location. My T hangar in Concord, NC costs just north of $300/month while that same hangar in Fort Lauderdale would cost well over $1,000/month. If you keep your airplane outside, please be sure to at least cover it. It will protect the interior and the avionics. Also, keep in mind that some insurance companies will lower your premium if you can hangar your airplane rather than keep it on tie downs.

Subscription services may not apply to you. If you own a J-3 cub, you can skip to the next paragraph. Almost all aircraft manufactured after the early 1990s offer an IFR GPS. If you have an IFR GPS, you will need to subscribe to a monthly update to keep your database legal to navigate solely by GPS and shoot GPS approaches. If you have XM weather, you will pay around $30/month for the basic subscription or $50/month for the full package. The winds aloft feature on the full package is more than worth the additional cost to get it. XM radio is additional. If you own a glass panel airplane, you may opt for Garmin’s safe taxi charts and/or approach plate services. Visit http://www.mygarmin.com for cost information. Jeppesen also offers approach plates for glass cockpit airplanes. This service requires an initial upfront cost to install and a higher monthly payment, compared to Garmin’s approach plate services.

Unfortunately taxes do not disappear with airplanes, with the exception of tax exempt corporations (see an aviation tax consultant for more information to see if you qualify). Taxes vary from state to state. In Florida, it is 6% of the purchase price. In North Carolina it is a flat tax of $1,500. North Carolina, however, charges property tax which varies by county and by city. Where I live in North Carolina, the airplane property tax rate is around 63 cents per 100 dollars, and I have a city tax of 42 cents per 100 dollars. If you use the airplane for business, you may be able to depreciate the use and cost of the airplane which benefits your estimated cost of ownership. Please consult with an airplane tax specialist to determine your individual situation.

DIRECT OPERATING COSTS

Calculating the direct operating costs is a little trickier. There are different ways of calculating what it will cost you each hour to fly. My method is just one method, but it works. Here you need to decide on how many hours you plan on flying a year to establish an annual base budget.

Let’s start with the basics. Most pistons engines will require an oil change every 50 hours. Depending on where you live, a standard oil change will cost between $150 to $300. Call the local mechanic on the field and find out what he charges. If you plan on flying 100 hours a year, the math is simple.

Fuel consumption varies according to different aircraft. You can usually visit a manufacturer’s website or consult the POH to get the cruise fuel burn. If you are flying an aircraft with a worn out engine, consider the published fuel burn to be the best case scenario (which often is not the case). Find out what avgas costs at your local airport and do the math. Keep in mind avgas prices vary

Engine and propeller reserves are calculated into the equation even if you own a low time or new airplane that you plan on selling long before overhaul. You can usually get a quote from a local FAA engine repair station on the cost of overhauling your engine or on the cost of installing a factory remanufactured engine. Take that price and divide it by the hours remaining till TBO and you will get an idea of how much you need to put away each hour. If you plan on buying a twin, double the fuel, engine and propeller costs.

Scheduled maintenance is another cost worth planning for. Every year your airplane will be due for an inspection. Again, prices will vary depending on where you do your inspection. Shop rates in South Florida average $95/hour, while in North Carolina they are around $70/hour. Call a service center familiar with your airplane and see what they charge for a standard annual inspection. Keep in mind that the price they quote you doesn’t include squawk items, airworthiness directives, service bulletins or regulatory replacement items. These are extra costs. If your airplane is still under warranty, then you shouldn’t expect any surprise repair bills when you pick your airplane up. A safe bet for budgeting additional expenses for an airplane out of warranty is to double the price of the annual inspection fee; this budgeting will cover almost any unexpected surprises that may occur during the year. You may also consider a reserve for paint, interior, and avionics upgrades in which case you will want to put away a little extra.

Finally, you will need to determine what your airplane will be worth if and when it comes time to sell it. Airplanes typically stop depreciating after 5 years. Like cars, their depreciation rates vary. Companies such as Vref and Aircraft Bluebook offer retail pricing and trade-in pricing.

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How to Stop Home Break-Ins – Eight Simple Tips to Prevent Burglary and Enhance Security

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Burglars break into a home every 15.4 seconds according to the FBI. It’s the most common threat to your home’s security. With some minor changes, you can protect your home from break-ins.

Burglars want to get into a house quickly and quietly, so if you make your home difficult to break into, they’ll usually move on. Here are eight easy ways to make yourself less of a target and beef up the security on your home.

1. Lock all windows and doors. This one may seem silly, but many burglars get into homes because the owner forgot to lock their windows or doors. And don’t just keep your windows and doors locked when you’re gone-lock them at night when you’re asleep too.

Some windows come with special interlocking mechanisms designed to prevent burglars from slipping credit cards or similar items in and unlatching the lock. If you have a window with this interlock system, make sure the windows are aligned properly, or the lock won’t protect you adequately.

2. Hide spare keys in less obvious places. Maybe you keep a spare key under the welcome mat. On top of the doorframe. In the garage under a paint can. In a stone turtle in your garden.

Burglars know to look for spare keys in these places. Find somewhere more hidden and less obvious to keep your spare key.

3. Beware of open windows. Don’t windows open while you’re not at home. A burglar can easily get in. If you leave windows open at night, only open them about six inches, and make sure they can’t be opened further from the outside. And never leave windows near doors open, or the burglar could reach in and unlock the door.

4. Reinforce any glass near or in a door. A window near a door is a prime target for burglars. A burglar could break the glass, then reach in and unlock the door. If you have a choice, don’t put windows within one foot of a door. If you already have windows near the door, or have glass in or around your door, make sure the glass is tempered safety glass. This glass is four times stronger than regular glass, so a burglar won’t be able to break it easily.

5. Get a quality, 1″ deadbolt. Basic locks can easily be picked or bypassed. Deadbolts, on the other hand, extend from the door into the doorframe, creating a strong lock that’s tough to beat. Multi-point locking systems, with several deadbolts spread up and down the door, provide even greater security.

6. Protect your entry doors from kick-ins. The most common method of forced entry is to . Many doors are easy to kick in, even if they have a deadbolt. That’s because the area around the lock is reinforced with wood. When a burglar kicks at the lock, the lock often rips straight through the wood around the lock.

To better protect your door, get a 20-gauge metal plate to reinforce the lock area. A deadbolt with a lock area reinforced by metal, is virtually impervious to kick in attempts.

7. Reinforce your patio door. Most patio doors have latches, not locks. Burglars can force latches open from the outside. A simple way to enhance the security of your patio door is to put a wooden block or rod in the track, preventing the door from being opened from the outside.

Burglars can also just lift the patio door off the track. Since patio doors are on rollers, they aren’t actually secured to the track. To prevent this, make sure your rollers are working smoothly and your door isn’t wobbly, as this indicates a burglar could easily pick the door up.

The best way to protect your sliding patio door is with an auxiliary foot lock. Foot locks have metal rods that extend into the metal track, creating a deadbolt for your patio door. This prevents the door from being opened even if the latch isn’t in place, and it stops the door from being lifted.

8. Get a timer for your lights. Burglars often case neighborhoods, looking for homes where the lights are out night after night. This tells the burglar that the owners are out of town or on a trip, and that house.

Don’t paint a target on your house. Get a light switch timer. These are available at most home improvement stores. They turn your lights on and off at a time you set. So you’ll look like you’re home even when you aren’t.

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2001 Ford Ranger

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The 2001 Ford Ranger has been redesigned slightly on the outside and has been given a more powerful choice of power trains under the hood. The truck was first produced in 1984 and even with this overhaul it still looks rather similar to the original model. Part of this trucks heritage is the fact that the Ford Motor Company hasn’t changed a lot about the it because it hasn’t had to. The truck is now known for its superb reliability and quality engineering. Owners find that the maintenance costs often only are that of routine basics like tires and oil changes.

Trim packages available include the XL, XLT, Sport, and off road engineered Fx4. XL models constitute the basic trim level offering no power windows, locks, or AC. Standard features of an XL are cloth interior fabrics, basic AM/FM stereos, and possible work flooring (plastic) for easy washing. XLT models are the mid-level package offering power accessories like windows and door locks. Optional features for XLT models include CD players, better choice of interior fabrics, cruise control, ABS, and a few others.

Both the Sport and FX4 models can be found customized in a multitude of different ways. The best interior fabrics are reserved for these models along with CD players, cruise control, remote keyless entry, and bucket seats. All of these models are offered in either regular, extended, or super cabs. The sport packages have specially tuned suspension systems made for the best highway performance possible. Off road packages were designed with raised bodies, custom Bilstein shocks, and specially geared 4 wheel drive systems. The FX4 is one of the most popular off road packages for the mid-size truck class.

2001 Ford Ranger trucks come with either a 2.3 liter four cylinder engine or a 4.0 liter V6. The smaller four cylinder is more than adequate for trucks with small bodies and only 2 wheel drive. For the best experience it is highly recommended that buyers look at purchasing a 4.0 liter V6 equipped model. All sport and Fx4 models come with the V6. The 4 cylinder engine comes with a standard 5 speed manual transmission and an optional 4 speed automatic. The V6 motors are only offered with a automatic transmission.

Compared with other competitors the 2001 Ford Ranger is very nimble both an and off road. The superb handling is owed to the compact size of the vehicle and the specially tweaked suspension systems offered. Where the Ranger can be viewed negatively is how modern it is in comparison with many of the competition’s models. Although the Ranger is a more than capable truck, it fails to offer the creature comforts buyers have come to expect from a modern vehicle in the 21st century. Fortunately the great pricing, and optional features make driving these compact trucks very enjoyable.

The Ford Ranger is a very sensible purchase for buyers who are looking for a reliable vehicle that won’t impact their budget too much. It also is reasonable for those who don’t mind not having the sportiest looking truck, and need a heavy duty 4 wheel drive capable beast. The roomy cabin sizes on the larger models also make this ideal for those who need to transport a family or fellow workers more than just on a rare occasion.

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