7 Tips To Hire A Reliable Locksmith

Locks secure our houses, vehicles and other important stuff. At times, your lock may get stuck. In this situation, you need a locksmith to get you out of trouble. But the question is, who should you call? Here are some tips for you to hire the right locksmith.

Hire a local professional

Hiring a local locksmith is less expensive. If you hire someone from a distant location, he or she may charge you for the traveling expenses as well, which will raise the total costs. On the other hand, if you hire someone from your locality, you may get in touch with him or her from time to time. As a result, you can develop trust with them.

Get referrals

You can ask around for recommendations. If you live in a small village or town, you won’t find so many locksmiths around. Your friend or neighbor may recommend a reliable professional to you. You can then meet the locksmith they recommended to see if they would suit your needs.

Go Online

Nowadays, most locksmiths have their own websites. You can check out their sites from the comfort of your home to know about their working hours, service charges and other things. This way you can know about several locksmiths in a few minutes without leaving your room.

Auto locksmiths

If you have been locked out of your car, consider an auto locksmith by surfing their website. Auto locksmiths can handle these situations very well. They will unlock your car without damaging the doorway or anything else since they are specialists.

Liability and charge

Ideally, it’s a great idea to hire an insured locksmith. This will give you a peace of mind that the insurance company will pay you in case the professional ends up damaging your property. Don’t forget to confirm the pricing prior to hiring the professional. There should be no hidden charges. You should pay what you agreed on.

Be careful

Take a look at the vehicle of the locksmith when they arrive. Does the car bear the logo or title of the company he or she works for? Before getting started, the professional should ask you for the vehicle documents. They should do so to make sure you are the real owner of the car. This is sign of a reliable and reputable locksmith.

Get ready

It is not too difficult to hire a good locksmith. If you own a car, you should get the names and contact numbers of some good locksmiths and then save the details in your phone and diary. This way you can get in touch with one in case you get into trouble down the road. Staying prepared is always a good idea.

So, you should use these 7 tips before hiring a good local locksmith. Keep in mind that it’s very important to only go for a reliable, trustworthy and experienced professional. An inexperienced professional may end up causing a severe damage to your car or house lock and you will have to bear huge costs. Hope these tips will help.

7 Pirates of the Burning Sea Tips You Need to Know

Pirates of the Burning Sea is a complex game. It’s easy for players to overlook some of the simplest game options as they play. We’ve come with a list of 7 simple things you can do to make your gaming experience much better. Make more money, kill enemies easier, and level up quicker by using the following tips:

1. AUTO-FIRE: If you hold down control and then left-click on your ‘Fire Cannons’ icon in your tool-bar, you can set your guns to fire as soon as they are loaded. They will only fire on targets you have selected, so make sure you know who you want to fire at before you try this.

2. DUAL BROADSIDES: You can not only set your guns to auto-fire, but you can also fire on targets that you have not selected. If you have one target selected and are firing at it, but another comes into range on the other side of your ship, you can fire at them as well just by double right-clicking them. This is great when the enemy is all around you and you want to maximize your firepower.

3. HALF-STRENGTH BROADSIDE: You don’t have to wait until your guns are all reloaded. If your gunners are half-loaded (signified by the small circle near the battery icon), you can hold down ALT and left-click on the battery you want to fire. Very good if you are getting to the point where every shot counts.

4. PARTIAL AUCTION HOUSE ORDERS: The Auction House in POTBS is not like other games. There are no ‘buyout’ prices, and if you offer more than the item’s price, that’s how much it will sell for. But, you usually find a good deal on multiple items if you select the ‘partial’ option. Try to pick up partial orders for fractions of the price, as people will often try to get rid of small lots just to make room in their inventory.

5. PRIVATE CHAT: If you want to send someone a private message, just click on their name in the chat window.

6. GENERAL SKILLS TRAINER: You can improve your Sailing, Maneuvering and Gunnery focus skills by visiting the General Trainer located in your nation’s capital. Improving these skills requires 1 skill point, but it is very much worth the expense.

7. AVOID THE JUNK DEALER: A lot of players first buy their ammunition and consumables from the Junk Dealer. DON’T!! You can get these items for much less at the Auction House. Even if you have to make a short trip to a nearby port to get them, it’s almost always better than getting them from the Junk Dealer.

Tips On How To Get The Best Car Accident Lawyer

Exactly how do you find the best car accident lawyer in town? How do you know you hired the best one? Why are you certain that your lawyer have the characteristics and qualifications that can win your case in the courtroom? Are you sure he can respond to all your questions and assist all of your matters? Can he really defend both you and your right? Automobile accidents are definitely one of the leading causes of injuries in most countries. If you have been hurt in an automobile accident, the consequences can be life-changing. A good car accident injury lawyer can make a difference in your recovery as well as your right to monetary compensation. Continue reading on this article to learn more about an excellent car accident attorney.

As a legal matter, a car accident happens whenever a passenger car is involved in an event or series of events which causes harm, such as property damage, traumatic brain injury or even death. In the year 2005, 82 % of automobile accidents involved in an accident with another vehicle and the other 18 % involved accidents with immobile objects and other non-motorized items, as per the NHTSA. The majority of motor vehicle accidents involved an element of carelessness, corresponding with a traffic law violation.

There are lots of paperwork that you’ll need prior to filing your claim, and there also are some things that you must make sure you do before the case against the other side is began. Before filing your claim it is necessary that you have checked your insurance policy to ensure that you know the degree of your coverage. This will tell you whether or not the insurance firms will cover a replacement car, if needed, whether or not they will take care of your medical expenses, and also the extent of the information you will have to disclose to them with regards to your employment and medical backgrounds.

Insurance firms often handle routine auto accident claims, many of which involve property damage only. However, accidents involving really serious forms of injury, such as closed head injury, often need assistance that only an auto accident lawyer can provide. In these circumstances, a car accident lawyer can help identify your legal rights and facilitate any claims you could have to compensation higher than the initial settlement. Such lawyers can significantly assist you in terms of getting damages and indemnification against the guilty parties, whoever they may be. Car Accident attorneys are the lawyers focusing in all types of car crashes.

There are thousands of attorneys out there and although you may be overwhelmed by the sum of choices that you’ve got, there are possibilities that you will not get to select the best car accident lawyer around. One of those signs is a lawyer who focuses primarily on a huge variety of cases. They may have general experience in litigation, but what you want is someone who knows car accident cases extremely well. Be sure that your lawyer has a professional looking office, that’s well manned, and that they have web presence.

7 Tips to Help You Buy Cheap Motorcycle Insurance

It’s important that you the best value for your money when it comes to buying a motorbike insurance policy. Keep in mind that a cheap policy may not provide enough coverage. Given below are a few tips that may help you save money on your motorcycle insurance. Read on to find out more.

Choose a Less Expensive Bike

Older or smaller bikes don’t use that much power as they use smaller engines. As a result, your insurance policy will also be cheap. Actually, most motorbikes are easier to maintain and replace. Aside from this, smaller vehicles don’t cause a lot of injury or damage in an accident. On the other hand, this may not be the case with classic or expensive bikes.

Avoid Modified Motorbikes

Your premiums will put more burdens on your wallet if you have a modified bike. The reason is that these modifications can make it more costly to repair or replace your bike. Plus, these bikes are easier for thieves to steal.

Aside from this, imported vehicles are also more costly when it comes to insurance. Therefore, it’s much better to avoid buying unusual or modified vehicles if you want to be on the safe side.

Limit your Mileage

If you do a lot of riding on your motorcycle, you will have to pay higher insurance premiums. The reason is that you won’t have to go to your insurer to get the repair money. So, limiting your mileage is a great idea.

Pay Annually

You can save a lot of money if you choose to pay your insurance premium in one installment. The reason is that this method will allow you to avoid paying interest.

Improve the Security of your Motorbike

By improving your motorcycle’s security, you can save a lot of money on your insurance policy. Therefore, you may want to equip your vehicle with immobilizer and alarms in order to keep thieves away. Aside from this, you may install a tracker as well. This will help get your bike back if someone steals it.

Although this will cost you money, the money saved on your insurance policy will be much higher.

Park in a Safe Place

You may want to keep your bike in a secure place like your shed or garage. This way your vehicle will be much safer.

Mention the Main Rider of your Motorcycle

If you have an inexperienced or young rider on your insurance policy, you may have to pay higher insurance premiums. On the other hand, an experienced rider will have to pay lower premiums.

Therefore, what you need to do is clearly state the primary rider of your motorcycle. And if you don’t follow this tip, it will be taken as a type of insurance fraud, which will result in your claims being rejected.

In short, these are a few tips that you may want to follow if you are going to buy a motorcycle insurance policy. Hopefully, with these tips, you can buy a cheap insurance policy.

FR44 Insurance in Florida: Smart Tips and Helpful Hints

It has only been since 2008 that Florida requires FR44 insurance for their DUI drivers. Many agents and most consumers are unfamiliar with this policy type. The information here is not well-known and is invaluable to convicted drivers. Securing a lower cost policy and getting your license reinstated quickly is not a problem when you have the right information.

Many companies desire these polices. As a risk group, DUI drivers in Florida have recently proven to be especially profitable for insurance companies. This new realization comes about due to the ease of identifying and assigning results exclusive to DUI drivers because, they are the only ones that require FR44 insurance. Prior to 2008, DUI drivers were included with all other high risk drivers and required Florida SR22 insurance.

The State requirements for FR44 insurance policies, such as elevated liability limits, non-cancel provision, and others, are such that help make them profitable for companies. Therefore, a good number of them are competing with FR44 insurance quotes that have low rates and good terms.

Companies include key policy discounts. Car insurance policies include substantial discounts for high liability limits, paying in advance, and having prior coverage. Even though a DUI driver is mandated to take these options via Florida FR44 insurance, the associated policy discounts are applied. Companies simply make no distinction between drivers voluntarily choosing these options and those compelled to do so. Secure every discount to achieve the lowest rate available and let go of any notion that you do not qualify for any because of a DUI on your record. Policyholders are often surprised and relieved at how affordable FR44 insurance is after discounts are applied.

Several policy types qualify for FR44 filing. A standard car insurance policy, a non-owned vehicle policy, and a recreational vehicle policy are the main types that can include a Florida FR44 filing. Vehicles with less than four wheels are not required to have $10,000 of Personal Injury Protection coverage (PIP insurance) included in their policy which is mandatory for all cars and trucks in Florida, and it is very expensive. A non-owned vehicle policy also excludes PIP. Rates vary greatly between policy types and many consider changing their vehicle or doing without one, especially to take advantage of not having to buy costly PIP coverage. You can receive a citation while driving any type of vehicle. You can comply with Florida FR44 insurance requirements on any type of vehicle, or without one altogether.The State no longer accepts a filing on polices that have vehicles with less than four wheels.

Beware the DMV and Driver License Check Online. Before you can reinstate your license at the DMV the FR44 filing must be electronically transmitted by the insurance company to the Florida Bureau of Financial Responsibility and processing takes about 48 hours. Some drivers have presented a hard copy of the FR44 certificate, to the right clerk at the DMV, and got their license reinstated immediately. It is not uncommon that various clerks at the same DMV location will handle the FR44 reinstatement differently. Even though they are no longer supposed to accept them in person, you might get lucky and walk away with your license too.

Florida’s driver license check online ( https://services.flhsmv.gov/DLCheck/ ) is where many go to retrieve their FR44 case number to be submitted with the insurance application. Once your FR44 has been filed and your license reinstated, if you subsequently check your status online it will show as valid without restrictions or suspensions listed. It is easy to see why many policyholders have prematurely removed the FR44 filing from their policy and subjected themselves to a new suspension and reinstatement fee. When the filing period will expire within 60 days or less a policyholder can submit proof of qualifying converges and limits on company letterhead and substitute this instead of the FR44 certificate.

Expect more from your agent and company. Some companies do not offer new policies with FR44 filing and others cancel existing policyholders who need one. This makes no sense at all because of the profitable results companies enjoy from FR44 polices. Never the less, do not be surprised nor discouraged if you receive a cancel notice or a non-renewal from your current company after receiving a DUI. You can find a reasonable rate and get back on the road with a valid license quickly, as long as you have all the correct information. With such knowledge, you will have no problem finding the right type of policy, from a company you can afford and rely upon.

Car Insurance for Bad Drivers: Four Tips for Lower Rates

If you have bad credit or at fault accidents on your record you probably know that car insurance for bad drivers can be very expensive. Your rates will always be higher than those of someone with good credit and a clean driving record. However, it is possible to get car insurance for bad drivers at reasonable rates. Consider the following five things you should do if you are classified as a bad driver.

Repair Your Credit Report

There are several steps you can take to fix your credit report ratings and score. The following options will get you back on track quickly.

• Pay off any negative items on your credit report.

• Establish new positive credit with prepaid credit cards.

• Take out a new loan and make monthly payments on time.

• Review your report to make sure everything is accurate.

• Update your information with credit bureaus, such as address, phone number, and place of employment.

Improving your credit score can help lower your car insurance for bad driver’s rates. After all half of the cost of your car insurance comes from the rating on your credit report.

Complete a Driver Training Course

Many states offer adult driver training courses. These courses are like a driver’s education for adults. With these courses you can improve your driving skills. If you have had moving violations or at-fault accidents this course can help you learn to drive safer. Learning to drive appropriately will help you avoid any future tickets and hopefully keep you out of future wrecks.

However, these courses also provide you with documentation that you have passed the course and are supposedly a better driver. You can submit this information to your car insurance company. Hopefully your car insurance company will give you a break on your premium due to the fact that you are trying to be a better driver.

Choose a Company with Accident Forgiveness

Many companies offer accident forgiveness today. For each year that you don’t have an accident your insurance rates will decrease. This usually lasts for five years. On some cases you have to be with the company when you have the accident for them to forgive it. However, some companies will allow you to join the program even if you had the accident while you were with a different company.

Shop Around for the Best Rates

Getting the best rate can take time and patience. But if you are prepared to do your homework and compare rates you can lower your premium. Start by searching online, by your zip code, for affordable companies. You can complete car insurance for bad driver’s comparisons of five or more companies at the same time. Once you have the comparison available you need to make sure you are comparing similar quotes.

Check to make sure each quote you compare offers the same deductible, comprehensive or liability coverage levels, and the same medical coverage. One company may offer dirt cheap rates but the coverage levels are way lower than the other companies.

As you can see there are several options for affordable car insurance for bad drivers. The key is to be proactive about finding car insurance you can afford. Companies are going to give you high rates if they think you aren’t aware of your options.

Top Tips On How To Get The Best Shine From Your Car

We all love that brilliant shine of a new car in the dealer’s showroom or at an auto show. There are hundreds of car care products and treatments available. The question is what works best and how do you do it?

First, you must properly clean and wash your car. Polishing and waxing a unclean car is sure to leave hairline scratches from dirt and debris on the car. Proper car washing and cleaning should be a main staple of any car care regimen or treatment. It is a proven fact that cars that receive routine car washes will last longer (as evidenced in a recent Popular Mechanics magazine). To properly wash your car, first rinse it off. Get the whole car wet and try to spray off any loose dirt and debris. Then use specific car wash soap (regular household items and chemicals are usually too harsh and can strip the wax or sealant right off) and a soft sponge or towel. Wash one panel or area at a time and rinse when done so the suds and soap won’t dry on the paint. When done dry off the car with clean terry towels or microfiber towels (a chamois works great also).

Next, examine your car. Look at the bumpers, behind the tires, the roof, etc… Are there any contaminants like bug splatter, bird droppings, tree sap, etc… that are still there after washing? You can try and rewash these areas with a little more pressure to try and loosen them up. If they still don’t come off, you will need a contaminant remover. This is a spray and each has their own unique formula and set of directions. Some are similar to foaming glass cleaners and others are a thick emulsion that will sit right on the problem area and not drip off. These contaminant sprays will remove most stuck on road debris and there are formulas specifically for road tar and tree sap as they can be more difficult. Follow the directions and then rinse and dry.

To smooth out any imperfections in the paint we recommend a cleaner wax. According to a study by Consumer Reports of every wax currently produced it was found that Turtle Wax was the best for value, durability and shine. So, there is no need to waste your money on expensive treatments that will not deliver a finish as well as a $2 bottle of Turtle Wax. Apply the cleaner wax in small circular motions and do one panel at a time, same as you did with car washing. Let the cleaner wax dry to a white haze and then buff with a clean terry cloth. Repeat as necessary.

Next, what we recommend is that you use a polymer car polish (again, there is no need for expensive treatments – you are just wasting your money). A good polymer car polish can be obtained at Walmart for between $2 and $5. They always come as a liquid and are very easy to apply and really do last longer than any car wax (up to 1 year and 50 car washes as some labels state). Apply to the whole car and buff dry. Apply 2-3 coats for maximum protection.

After the car polish we recommend a high class carnauba wax (again there is no need for expensive treatments). Turtle wax platinum car wax is around $5-$7 and so are some Meguiars and Mothers top waxes. This will give you a better than new deep and wet looking shine. Apply 2 coats in similar fashion to the cleaner wax. Wait until you see the resultant shine from wax on top of polish. It is unbelievable and gives your car the best shine possible and also the maximum protection available. This is how they get that extra deep shine on cars at the auto shows – it works and you will be amazed.

Enduro Racing Tips – 3 Things To Look At When Choosing Your Racer

The first thing you need to know are the rules of the particular enduro event you are going to enter. Here in the Central Vermont area you will find two types of enduros.

8 Cylinder enduro races are as rare as the “old boats” you would want to run in one. My old 1979 Ford Thunderbird was one of the best cars I have ever driven in a race.

The 4 and 6 Cylinder enduros are more common. Little cars can be found all over. I drove a 1997 Ford Escort Wagon last year.

The 3 things you must look at when choosing your enduro car.

1) Price. You don’t want to spend a lot. The car more than likely will be heavily damaged over the 200 laps of a typical enduro. I paid $50 for that little Escort wagon.

2) Solid Car. Not only do you not want to spend a lot on a car you know is going to get wrecked, you want to find the most solid car for your money. Driving a rusted junk in an enduro race is begging for disaster. I will use an example from one of my earlier races…

It’s 1994 and I’m driving a 1979 Buick LeSabre in the annual Enduro 200 at Thunder Road. It’s only about 100 laps into it and I get caught in a big pile-up. Some yahoo that was looking somewhere else plowed into my car and my trunk lid popped open.

Once the wreck got sorted out and the survivors got rolling again, I noticed that I was being black flagged.

“Why the heck are they black flagging me for? A popped up trunk lid should not be a problem in an enduro, right?”

I chose to ignore the black flag for a couple of laps. The flagmen got pretty frantic and were leaning out over the cars trying to get my attention.

” They really want me to pit. I better go get that trunk lid strapped down”.

When I pulled into the pits, my crew guys told me to shut the car down.

“What? Strap that lid down and let me get back out there’.

“There’s nothing to strap it to!”

My car had completely disintegrated from the rear wheel wells back. One frame rail was bent 90 degrees and sticking out straight.

The gas tank had been dragging on the track. That’s why those flagmen had been so frantic.

The moral of the story. Please choose a solid car for your enduro racer.

3) How much will you have to invest to get your racer race ready? If you’re starting from scratch, it’s going to cost you about $500 to turn a street car into an enduro racer. That’s materials. If you’re paying someone to work on your racer, plan on a lot more.

How well does the car run? Choose a car that runs well and will take very little mechanical work to get race ready.

Enduro racing can be a lot of fun if you build a strong car that can survive the chaos of this type of racing. To build a strong car, you have to start with one and that’s what this article was all about.

Helpful Tips for DIY Car Radiator Flushing

Once you turn the key, start your vehicle’s ignition and begin to drive, your internal combustion engine starts producing a substantial amount of heat. In order to remove this heat and prevent your engine from overheating, a functional radiator is needed. A car radiator uses thermal heat exchange to eliminate high temperatures and heat to keep a vehicle’s engine in working condition. This means that larger vehicles require larger radiators to facilitate the same effect.

For radiators to be effective and stay cool, they must be cleaned regularly by means of flushing. Solid deposits, residues, and other sediment buildup can cause a cooling system to clog or fail entirely. Flushing a car radiator is one of the most important routine maintenance jobs and must be done to keep vehicles operational over time. Fortunately, it can be done on your own. It’s also quick and inexpensive to do. Continue reading to learn some tips that can help you when it comes time to flush your car radiator.

Get Started With the Right Supplies

The first thing to do when it comes to flushing a car radiator is gather up all the necessary supplies and materials. It is never a fun situation to get halfway through your project, only to discover you are missing a key element. Going back to the store could pose a problem; especially if the radiator has already been drained. Ideal provisions for radiator flushing includes a funnel, cloth rag, coolant, radiator flush solution, Phillips screwdriver or wrench, separate container for old coolant, and extra rags for accidents and spills. When you have determined that all your supplies are in place, you can begin the process of flushing the radiator.

Here’s What To Do:

Before you remove the radiator cap, be sure the car engine is COMPLETELY cool; otherwise you run the risk of spilling hot coolant on yourself. And this really burns!

Next, flush the used coolant out of the radiator. Do this by locating the radiator drain plug. It is typically located at the bottom of the radiator. If you have trouble finding it, refer to your owners’ manual or look online for pictures and instructional videos. You can also contact a professional mechanic for over-the-phone assistance.

Once you find the drain plug, place the container for old coolant under the drain and open it up. Let the old coolant flow out for a few minutes; if it seems to be moving slow, check to see if the plug is all the way open.

When the radiator is empty, replace the drain plug and open the radiator cap.

Next, pour the flush cleaning solution inside. Fill the remaining space inside the radiator with room temperature water.

Now you are ready to replace the radiator cap; just be sure it is screwed on tight. It is possible for caps to fall off, which allows coolant to escape from the radiator.

Let the car engine run until it reaches its normal driving temperature. Then turn it off and let it cool completely.

Once the car engine is cool again, you are ready to flush the solution from the radiator and add fresh clean coolant. Use the same emptying process as before.

Use a 50/50 solution of coolant and water to get optimal and safe results. You can find pre-mixed coolants at your local auto store. This is sometimes more convenient.

Automobile Dealerships – Out of Trust Situations – Tips For the Dealer

Almost every financial organization has a workout department. Their names are as varied as Problem Loan Administration; Central Loan Department; or Special Assets Department. A dealer may be assigned to one of these special departments, or a member of the department may start appearing at meeting with the dealer’s regular bank officer.

The courts have consistently upheld the rights of lenders to have workout teams and to have those teams, within broad parameters, take affirmative actions to protect the lenders’ interests.

Matching the average dealer’s experience with work-outs, to that of the lender’s experience, would be equivalent to matching a high school football team against a professional team. The professionals have played the game hundreds of times. They have seen and heard hundreds of presentations, arguments, excuses and reasons for a dealership’s problems, while the dealer, lacking experience, is encountering the trauma for the first time. Realizing the dealer will probably be a neophyte, with respect to workouts, the following rules are provided the dealer, as a plumb line, to be followed throughout the workout procedure:

1. Do Not Confuse Friendship with Business. Factories and lenders have seen and heard most of the workout plans any dealer could suggest. The have probably seen versions of each plan which have been refined over generations by some of the best minds in the business. Their experience, however, cannot help the dealer get the best benefits for the dealer.

Employees of the factory/lender have an obligation to their corporation and in turn to its shareholders, to get the best contract for their corporation. There is nothing wrong with that; they have a legal duty to their shareholders and creditors to protect them, not you.

They will, however, indicate whether or not you workout plan is “acceptable” or “unacceptable” to them. If the proposed plan is “unacceptable”, one of two things can happen. The dealer can keep proposing plans, until one is accepted, or the factory/lender might suggest an acceptable alternative.

If the factory/lender suggests a plan acceptable to them, it means just that: the workout plan is acceptable to the factory/lender. It does not mean, and should not mean, the factory/lender will not approve some other plan, which may be more beneficial to the dealer, if the dealer knows what to request and how to structure it.

2. Do Not Confuse Optimism with Confidence. Optimism means expecting a plan will work. Confidence means knowing what to do if it does not. Never act without confidence.

3. Do Not Value a Dealership by the “SOT + Assets” Formula. The odds against that plan working are about the same as the odds against winning the lottery, except the ante is higher.

4. Do Not Say “SOT”. Sometimes a dealer talks in terms of SOT (Sold Out of Trust) or OT (Out of Trust) with the factory or lender, when the dealer actually has SAU (Sold and Unpaid) units. Once the dealer refers to an out of trust situation, it puts the factory/lender in a precarious position. All sorts of rules then come into play, both legal rules and company rules, which would not have had to take effect if the dealer used the phrase SAU. The factory/lender can’t read minds to know the dealer really meant SAU, instead of SOT. From the moment the phrase SOT is used, the only thing the listener knows for certain is, if there is a law suit and the listener were asked if the dealer said he or she were SOT on such and such a date, the listener would have to answer “yes.” Don’t put them in that position.

5. Do Not Lie. Don’t lie to yourself; don’t lie to the factory; don’t lie to the lender.

Dealers, who lie to themselves about their problems, how they got there, or their ability to solve them, base their entire solution upon a lie and, without exception, compound and complicate the original problems.

A lie to the factory/lender will alienate the only entities which have both the ability to help and the most to gain, besides the dealer and the dealer’s family, in finding a workable solution. When in doubt, remember what Mark Twain said: “I never got hurt by anything I didn’t say.” He also said that when he was ninety, he recollected he had worried about a lot of things in life, most of which never happened.

6. Do Not Panic. There are many challenges in business, and being short of cash is but one of them. Numerous dealers have been there before and numerous dealers have survived.

Analyze the problem as if it were someone else’s problem, and compose a short letter as if you were giving advice to another dealer. The advice should be to get professional help. A storm at sea, calls for seasoned sailors. No one would want a crew with little experience in storms, unfamiliar with navigation, no charts, no radar and no one to call upon for advice. A dealer with a SOT problem is in a big storm, except it won’t go away with time. Without help, the dealer’s family, friends and employees will all be affected. The dealer has to make tough decisions, or time will make them-and the dealer will not like the decisions time makes.

At the time the lender has the second meeting, referred to above, wherein the lender wants the dealer to sign the work-out agreement, the dealer should be prepared to structuring of the work-out plan, the handling of a keeper, the method of repayment and such.

As soon as you know you are OT, your first call should be to us (or someone as experienced as us) and your second call (after visiting with us, your attorney and accountant) should be to the credit company. Telling the credit company you have sold and unpaid units before they tell you, is vital to establishing a foundation upon which to build a work-out plan. At the same time, Automotive Advisors’ experience is vital to the dealer and the dealer’s attorney and accountant, in providing constructive suggestions and in planning and recognizing realistic options.

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