After market car parts is a fast growing business in the USA. Many car enthusiasts love to make their car unique and stand out from the crowd by making modifications to the original. Though due to the limited options given by car manufacturers some look elsewhere. That is where aftermarket car parts come in.When purchasing a new car from an auto dealer, there is something commonly known as “stock” which are the standard options provided by the dealer. These standard stock options include the essential components such as engine, transmission, wheels and also performance part. The stock can also include interior car parts such as lighting. Though many dealer do provide upgrades to a certain extent these are still limited for many car enthusiast, some extras can include alloy wheels, satellite navigation and other extras. Thus many people look elsewhere to truly modify there vehicles.Some people may purchase aftermarket car parts for safety reasons such as xenon headlight upgrades which provide brighter and whiter light and therefore greater visibility. Other people may just want their cars to look good and have that exclusivity and would purchase styling parts and accessories like body kits and alloy wheels to make their cars stand out from the crowd. For many car enthusiasts purchasing aftermarket parts and modifying their cars is a real pastime and may spend thousands on performance upgrades, interior & exterior styling as well as other cosmetics.Many car modifications (or mods, as it is often referred) made to a vehicle are made using aftermarket car parts. So what are aftermarket parts? Simply put, aftermarket parts are those which have been made by a company other than the original manufacturer of your car. Manufacturers parts are commonly known as Original Equipment Manufacturer. So why buy parts from someone other than that of your car manufacturer? It’s like in any market if a company are making only certain kind of products they may have more knowledge than the original manufacturers therefore they have the ability to provide better and larger range of products such as a company specializing in performance car parts may provide better parts. Aftermarket car parts contain wide range of product types such as light bulbs to air filters and turbo kits and chrome wheels. Some aftermarket parts can be installed by the car’s owner with minimal or no knowledge about cars while other parts may require you to seek a professional to install the part. You should seek advice from a knowledgeable person before purchasing an aftermarket car part.There are certain criteria which one must be aware of before going out to buy aftermarket car parts. Firstly you need to be aware that installing an aftermarket car part may null your vehicles warranty, if there is any. Therefore, be sure to check your warranty documents before proceeding to install a car part. Secondly ensure you know your car make, model and year as these are the common criteria used to check whether a part is compatible with your car. Finally be sure to check your local laws as installing a certain type of part may be deemed illegal in your area of residence.
One of the best personal touches you can give to your car is a brand new shift knob. These additions are a great way for a beginner to spice up the car’s interior without having to install anything complicated. There is a wide selection of shifters to choose from, so there’s bound to be one special shift knob for everyone. Oftentimes, many drivers who are new to the car game aren’t sure where to start with the modifications so these new aftermarket shift knobs are a great way for beginning enthusiasts to get their feet wet and in the game.If you are someone who prefers a more subtle racing look, then the carbon fiber or metallic black shift knobs would help your car’s interior resemble a race car. Drivers who like a more frivolous and fun shift knob could try some of the shift knobs that light up with a slight touch. They come in various selections, including single color light-up and even some that have multi-color light-up functions that cycle through various colors. There are some futuristic styles and some retro style shifters so there are so many types that cater to all kinds of personalities. If you are the driver who is not sure if you want a subtle look or a flamboyant display, you can opt for a nice middle ground style to showcase your car.These shifters are compatible for both manual and automatic shifters with a stock button-less operator. The various adapters allow for a simple installation so drivers do not need to worry too much about compatibility related issues. Installing new shift knobs is actually a relatively simple maneuver that involves twisting off the stock assembly for starters. If your new shifter kit comes with various adapter sizes, choose the one that is most appropriate for your stock size. Some new shifters are made with a soft moldable plastic and does not come with adapters. In this case, the threading is created during initial installation so the new assembly can conform to your vehicle’s specifications.Not all car modifications have to be extremely complicated or take a lot of time. There are plenty of very simple modifications that can completely spice up any vehicle’s interior and practically transform it into a brand new vehicle. The best part about aftermarket shift knobs if that they can always be swapped out into a new style to evolve with a driver’s constantly changing style for a brand new look any time.
US economy is facing a dip since past few years and it has laid a major impact on the home owners in the country. One out of every ten home owners is now facing a foreclosure and the rest 9 are suspecting the same very soon. Obama government has brought in a $75 billion package for the stressed home owners. This scheme is known as the Homeowner Affordability & Stability Plan. It was announced on February 18, 2009 and its execution date is March 4, 2009. The execution is being headed by the US Treasury Dept. The plan is expected to help over 5 million home owners.Here is Obama’s $75bn stimulus plan to save home from foreclosure· Earlier even loan modification did not reduce the amount payable in the monthly payments. As a result every soon the home owner lands up in a default again. The new plan clearly states that when ever the mortgages are restructured, the home payments con not exceed 31% of the of the borrower’s monthly income.· Further the culmination of all the debt payments of the person can not be more than 55% of the pre tax income. Here all sorts of debts would be included like car loan, credit card payments, etc.· Next benefit is that loan modification would now be allowed even if you have not made a default on any payments. For instance, the borrowers who were earlier bound to pay an amount more than the current value of their property can now apply for a loan modification. Fort this, the loan amount must be based on a value that is 105% higher than the current market value of the property. Earlier the law stated that the borrowers who held 20% equity in their homes could go in for a refinance.· For every loan modification done, the mortgage company would earn $ 1000.· The Obama plan strictly dictates that in case you are paying for the professional loan negotiation help to save you home, you should not be doing so. The US Dept. of Housing & Urban Development (HUD) has appointed innumerable counselors to do this job free of cost for the home owners in need. These are non profit firms.Some of these are Neighbor Works America, Acorn, the Neighborhood Assistance Corporation of America, Catholic Charities, the Urban League, etc. They are all paid by the federal government in order to run the programs for the help of home owners in trouble. Actually these non profit organizations sign a contract with hundreds of other counseling services in the country to negotiate the new loan terms and to counsel the borrowers on the over all household budgeting.· However, some banks are coming forward to help the home owners to get out of the fix. For instance, the Citigroup announced recently that it would lower the payments to $500 per month for 3 months for the borrowers who have lost the homes. The banks are expected to follow up soon.