The 5 Easiest Ways To Ruin Your Credit Rating
Protecting your credit rating isn’t easy. Credit cards, auto loans, home equity loans and our suspect health insurance system can ruin your credit score. From easiest to hardest, here are the dangers you need to look out for:
1. Closing a credit card account:
Closing a credit card account lowers the amount of credit you have available, obviously. What’s not as obvious is the effect this has on your credit rating, which can plummet as much as 100 points in only 2 months as a result of closing a credit account. Why? Because one of the most important factors in calculating credit score is your “percentage of credit available”, and decreasing your available credit drops this score. Try to keep as much available credit as possible by using your card at least once a year on a small purchase to keep your account active. And remember, unless your card has an annual fee, do NOT cancel it!
2. Spending to the max
Spending all the credit you`ve got is a danger sign to banks, who are looking for reassurance they’ll get back the money they’ve lent out. A credit card with a high limit but low to no balance indicates a responsible consumer who is likely to repay debts. Maxing out your credit cards creates the impression you’re spending more than you can afford to pay back, and drops your credit rating. The best remedy for this is to apply for more credit cards and request a higher limit for existing credit cards. Just take care not to spend this extra credit, or your rating will get worse!
3. Medical Collections:
Health insurance is not exactly known for its reliability – it’s not uncommon for patients to receive a bill for something they think their health insurance covers, then discover their insurance company won’t pay it. By then, the doctor’s office has turned the debt over to collection, and your credit score has taken the damage. Protect yourself against this by checking every bill with both your doctor and insurance company to make sure it’s paid. That extra bit of time you put in could save your credit score 50 points.
4. Co-signing a loan
We’ve all been asked to co-sign a loan by a friend or relative, and while this can be a great way to help someone close to you, it can also result in your credit being ruined. It’s very important that you consider the following before co-signing — YOU are responsible for whatever happens. That means if the person you co-signed for doesn’t make the payments, you’re expected to. If they file for bankruptcy and include your co-signed loan, the bankruptcy will show on your credit report (even though you haven’t filed). Finally, even if you have PROOF that the other person is responsible (i.e. a divorce decree, a statement from that person, etc.) your credit will still be affected by anything they do (or don’t do). My advice — don’t co-sign for anyone unless you can afford to make the payment yourself.
5. Late payments:
Can’t remember to pay your bills? It could be the only thing keeping you from perfect credit! There are tons of people out there who do everything else right, but have poor credit simply because they pay their bills late. To make sure your bills are paid on time, every time, visit your bank and ask about an automatic bill payment program. Once you enrol in this, your bank will automatically send a payment to your creditor each month from your account. This will improve your credit by making sure you’re never late with a payment again, and can save you money by preventing late fees!
To Use or Not to Use: Synthetic Oil and Your New Car
People often wonder if they should be using synthetic oil in their new vehicles. Synthetic oil is better than regular oil for many different reasons: it’s a better lubricant; maintains integrity at high temperatures; is fairly pure; and rarely turns into sludge, even when it’s abused. To many people, the obvious benefits of synthetic oil lead them to conclude they should start using it ASAP. However, despite synthetic oil’s benefits, it really depends on how you take care of your car.
To start with, do you change your oil regularly? Oil needs to be changed before it breaks down and puts your engine at risk. But if you’re good at changing your oil on time every 3-5k miles, you’ll never experience one of the benefits of synthetic oil. Synthetic is resistant to breaking down, even after extended use. For instance, if you forget an oil change, or even if you just put one off for a few weeks, synthetic is the best oil to have in your engine. But if you’re changing your oil regularly and at the proper mileage, you’ll never be in a situation where your engine is at risk from worn-out oil.
One of synthetic oil’s biggest perks is that it doesn’t deteriorate until after a long time. Regular oil starts to break down after 6 months, and all oils should be replaced after 5K miles. If you’re someone who drives less than 5K every 6 months, then mileage-wise, you’re replacing your oil more often than you need to. Using synthetic oil will let you change your oil less frequently, so you can get greater mileage out of each oil change. This might save you some money, and definitely will save you on time.
Other than synthetic’s breakdown resistance and long life, there’s one other common reason you should consider using synthetic. As natural oil gets hot, it starts to breakdown. The longer it stays hot, the worse the breakdown. So if you regularly operate your vehicle in such a way that the engine temperature is always high, you should run synthetic. Letting your vehicle idle for hours at a time, such as on a jobsite, will overheat the engine. So will driving in high ambient temperatures, like in the desert, or altitudes of over 10k feet. As a rule, high temperature desert air doesn’t cool your engine very well, and neither does “thin” mountain air. If you live in these areas, consider running synthetic oil. Finally, synthetic oil is often used in high performance vehicles. If you are utilizing your vehicle like a high-performance car (high speeds, fast turns, you know who you are) then synthetic is a smart choice.
There are lots of people who will recommend synthetic oil to you, even if you don’t need it. For instance, synthetic is recommended for drivers who have to drive in stop-and-go traffic. However, almost everyone drives in this type of traffic at some time, and not everyone needs synthetic oil. It’s really only necessary if you’re stuck in stop-and-go for long periods of time, and on a regular basis. Synthetic might also be recommended to people who only drive on short trips, as a means for protecting the engine. But only driving for short trips will damage your engine regardless of what oil you choose, so the recommendation is redundant. Your engine is designed to perform for 20 minutes or more. There might be a slight benefit to running synthetic for short trips, but the difference is negligible.
If you determine that one of the above situations applies to you, take care when you purchase synthetic oil. Many places will suggest a synthetic blend as a way to save money (instead of full-synthetic), but the “blend” is oftentimes a mystery. Maybe you’re getting a 50-50 blend, or maybe you’re getting 1% synthetic and 99% regular oil. My recommendation is to go full synthetic or not bother with it – unless the blend suggested is provided and produced by your vehicle’s manufacturer.
You might be wondering what your vehicle manufacturer recommends for your vehicle. Most manufacturers will say that “any oil that meets API standard specifications can be used in your vehicle.” So normal is perfectly alright for most situations. Drivers will usually enjoy great performance from their new cars for a long time even without the extra benefit of synthetic oil, so long as they take proper care of their vehicles.
Is Synthetic Oil the Right Choice for Your New Car?
New vehicle owners often wonder if they should be using synthetic oil. There are many advantages synthetic oil has over regular oil: it lubricates more effectively; withstands high temperatures; is relatively pure; and usually won’t turn into sludge even with heavy abuse. These clear benefits cause many people to assume synthetic oil is the obvious best choice. However, much of it comes down to how well you take care of your vehicle.
For starters, how often do you change your oil? If you’re a disciplined car owner who replaces the oil every 3 to 5K miles, then you’ll never notice a difference between regular and synthetic oils. Oil changes are meant to prevent engine damage from oil breaking down. Synthetic’s benefit here is that it resists breakdown, even after regular use. So if you tend to forget to change your oil regularly, synthetic oil is the best option for your car. But if you’re regularly replacing your oil at the recommended mileages, then synthetic oil probably won’t add any extra protection to your engine.
One of synthetic oil’s biggest perks is that it doesn’t deteriorate until after a long time. Regular oil starts to break down after 6 months, and all oils should be replaced after 5K miles. If you’re someone who drives less than 5K every 6 months, then mileage-wise, you’re replacing your oil more often than you need to. Using synthetic oil will let you change your oil less frequently, so you can get greater mileage out of each oil change. This might save you some money, and definitely will save you on time.
One of the biggest reasons why people use synthetic oil is because of its resistance to heat. Regular oil breaks down in high temperatures, and continue to break down as the heat rises. Drivers who use their vehicles in ways that create a constantly hot engine environment should use synthetic oil. So should people who live in hot climates, such as in the desert, or at high altitudes, like in the mountains. Neither high ambient temperatures nor low air pressure are ideal conditions for keeping your engine cool, so synthetic oil would give you the best performance in these areas. Finally, if you own a high-performance vehicle or just drive like you do, consider synthetic, which is the best choice for these vehicles.
There are a lot of entities that recommend using synthetic oil, even to people who don’t need it. For example, synthetic is recommended for anyone that drives in stop-and-go traffic. But since all of us drive in stop-and-go at some point, that’s a bad recommendation. You should only use synthetic if you’re driving in stop and go traffic long enough that your engine’s cooling fan turns on, and only if you’re doing so daily. Also, if you only drive short trips, people may recommend synthetic oil as a way to protect your engine. However, short trips, regardless of your choice of oil, can damage your motor. No matter whether you use synthetic or regular oil, your engine was designed run for at least 20 minutes. Running synthetic in these situations might be better, but tests have shown that the benefit is minor.
If you determine that one of the above situations applies to you, take care when you purchase synthetic oil. Many places will suggest a synthetic blend as a way to save money (instead of full-synthetic), but the “blend” is oftentimes a mystery. Maybe you’re getting a 50-50 blend, or maybe you’re getting 1% synthetic and 99% regular oil. My recommendation is to go full synthetic or not bother with it – unless the blend suggested is provided and produced by your vehicle’s manufacturer.
You might be wondering what your vehicle manufacturer recommends for your vehicle. Most manufacturers will say that “any oil that meets API standard specifications can be used in your vehicle.” So normal is perfectly alright for most situations. Drivers will usually enjoy great performance from their new cars for a long time even without the extra benefit of synthetic oil, so long as they take proper care of their vehicles.
Smart Cars Predict Emergencies and Make Drivers Safer
Vehicle safety is something of a puzzle for automakers. Improved vehicle safety technology have made cars safer than ever, yet the number of vehicle-related deaths in the U.S. has remained steady at 40 000 fatalities each year. Why haven’t all these new vehicle safety measures made us safer? One company has hypothesized that the problem lies not with the cars, but rather, with the drivers.
Robert Bosch LLC has come out with new research that found two out of three drivers don’t hit the brakes with enough force just before an accident. This isn’t because the driver wants the accident – it’s because the overload of information and stimuli, from multiple warning systems, distracting passengers, and the mental load of processing events on the road, all compete for mental resources, and slow down the decision-making process by a few vital milliseconds. The result is the driver hitting the brakes just a moment too late, or not quite hard enough.
The solution, according to Bosch, is a predictive brake-assist technology that will detect an anticipated accident and react by activating the brakes. The system will continuously monitor the surroundings on the road to determine stopping distance. With these calculations constantly running in the car’s computer, the hydraulic brake is properly engaged for full-force braking once an impact is evident.
Although there’s not enough research yet to know for sure, it’s reasonable to think the predictive brake-assist technology will be useful in preventing some of the over 2 million front-end collisions that occur every year. However, some argue that this technology might actually decrease safety, because drivers might not fully understand how the system works and erroneously believe it will do most of the braking for them. They then might not try to stop the car themselves, increasing their risk of accident. This argument seems inane, but shouldn’t be completely dismissed. More research and testing are needed before this system can be made mandatory.
Some manufacturers are already using predictive braking technology. Mercedes Benz has implemented the system in their SL550. Based on the amount of pressure the driver places on the brake pedal, the car is able to sense an emergency and apply the maximum power boost. Many other manufacturers, such as Toyota, Volvo, Cadillac, and BMW are also testing the technology.
The predictive brake-assist technology is only one new electronic system to improve automotive safety. In addition to Bosch’s proposed predictive brake assist technology, there’s also something called “lane departure notification.” Simply stated, lane departure notification uses an electric eye to determine if the car is driving outside the lines. This system would most benefit drivers who may be falling asleep, as driving outside the lane will trigger an audible warning.
In keeping with the idea that drivers themselves can be a safety issue, Bosch has also proposed modifying current vehicle safety ratings to include a sixth star. The sixth star will be used to rank a vehicle’s accident avoidance systems, such as predictive braking and lane departure notification. It’s a good way for consumers to compare a vehicle’s complete safety rating, rather than just its crashworthiness.
Helpful Hints for Car Dealership Customer Service
Your new car (or your new car dealer) is giving you a headache. There’s a problem and the customer service you’ve received hasn’t been good enough. You feel like you’ve done your part, but your problem is still unresolved. How do you get it solved?
First of all, if you’re having a problem with your new car and it hasn’t been taken care of, your best hope for a solution is to work with your local dealer. Believe it or not, your local dealership is invested in solving your problem because they know that’s the best way to make you a lifetime customer. It’s a well known fact, known by dealers and car manufacturers alike, that while dealerships spend thousands of dollars in advertising trying to create trust with their customers, statistics show that the *best* way to create trust with consumers is to solve their problems.
Your local dealer is far more likely to help you if they believe this transaction will benefit them. This is especially true where there is a cost to the dealership involved in solving your problem. If they’re investing money in keeping you happy, they want to know there’s a reasonable chance they’ll earn that money back later through your repeat business. The best way to prove you’ll be a good customer later on is to prove that you’re a good customer right now.
You can show the dealership you’re a good customer by being nice to the dealer’s employees. While it might make you feel better to yell or be rude, nothing will hurt your cause more than a group of employees at the dealership that hate you. If you want to get what you want, give them a reason to like you and want to help you. “Kill em’ with kindness” and you will prove you’re a customer worth saving.
Working with the dealership’s General Manager (GM) is another excellent way to get your problem resolved. GMs are professionals in keeping the customer happy, and can get almost anything done for you in the name of customer service. They have the power to get a senior executive on the phone and aware of your complaint at any time, and have the full backing of the manufacturer. Talking with the GM will get you far in resolving your problem – make sure you ask to speak with one!
In the rare case that speaking with the GM of your local dealer doesn’t work, the next step is to call the manufacturer’s customer service hotline (the number can be found in your owner’s manual). You should try to contact the local regional office as well. While the local regional office will probably just refer you to the national hotline, you may be able to speak with a regional Toyota executive. Persistence is key.
So, to summarize, if you have a new car customer service problem, your local dealer is your starting point. Make sure to ask to speak with the general manager, and to be nice to everyone you speak with. If the local dealer doesn’t get it done, try working with the manufacturer’s national hotline. Finally, call your manufacturer’s regional office. As long as you’re persistent and pleasant, you’ll get the best possible customer service.
5 Ways to Get a Car Loan Fast
No one likes to waste time, especially not when you’re trying to get a new car loan. Luckily, there are a number of ways you can speed up the process of getting a loan for your new car.
Here are some tips which everyone, regardless of credit score or history, can use to save time when getting a loan:
1) Get your paperwork together. To prove your income, you’ll need your most recent paystub. To prove your residence, you’ll need your most recent phone, electric, or cable bill. Finally, if you have any credit problems like collections, bankruptcies, or leftovers from a messy divorce, get that paperwork together too. Put everything in an envelope and bring it with you when you go to see your lender – that way you’ll only have to make one trip.
2) Get references. You’ll probably need to give your lender the names, addresses and phone numbers of at least three friends or family members not in your household. Finding this information ahead of time will save you time when you’re completing your application, and you won’t have to stress to figure it all out on the spot.
3) Tell your boss, office manager, or human resources department at your work that you’re applying for an auto loan. They may receive a call from your lender to verify your employment, and if they’re aware of this in advance, they’ll be able to provide the information your bank needs more quickly and accurately.
4) If you have a trade-in, find out your exact payoff. Many times, when people apply for an auto loan, they estimate their trade-in payoff. The trouble with estimating your payoff is that your new lender may use your estimate as an exact value. If your payoff is actually substantially higher than you estimated, your loan may need to be re-approved for a higher amount. If your payoff is lower than you estimated, your interest rate might be higher than it should be. Save everyone some time (and yourself some money) and find out your exact payoff before you apply for a new loan.
5) Be as honest and accurate as you can. You’ll need to list information such as former residences and employers when completing your loan application. If everything is accurate, then your application will be processed quickly. If there’s a lie or inaccuracy, however, the lender will likely find out, and this will negatively affect your application. The consequences of an untruthful application can range from a long delay in your processing time as the lender checks everything on your application, to your loan being denied outright.
Six Tips for Diesel Engine Beginners
Diesel engine fans will rapture on about the impressive combination of power and fuel efficiency that modern diesel engines carry. Environmentally friendly and fairly low maintenance, diesel engines have been popular for years in Europe, and that popularity is finally beginning to grow in the United States as well. With all their benefits, diesel engines may very well become more popular than gas engines! Here are some tips to consider if you, like most U.S. drivers, are fairly inexperienced with diesel engines.
1) Virtually all new diesel engines are equipped with a turbo-charger, which works like a jet engine, forcing outside air into the engine. This increases efficiency and performance. Turbo-chargers are very powerful, so it’s important that the air entering is clean and free of detritus. You can make sure of this by keeping the air filter on your engine clean and changing it often. Most vehicles are equipped with electric sensors which alert you when your air filter needs changing. Pay attention to this! Ignoring this alert could damage your engine.
2) Diesel fuel isn’t as clean and pure as gasoline, so the fuel filter in a diesel engine is very important. Again, your car has sensors that will warn you if the fuel filter becomes clogged, and you should react to these warnings quickly. If you fail to change a clogged diesel fuel filter, it could leave you stranded on the side of the road. Also, keep in mind that diesel fuel filters need to be changed a little more often than gas fuel filters, so don’t be surprised if you have to replace your diesel’s fuel filter ahead of schedule. That’s perfectly normal.
3) You may be surprised to learn that diesel fuel contains water! A little bit of water won’t damage your engine, but the vast majority of modern diesels are fitted with water/fuel separators regardless. Some vehicles may require you to manually remove the water from the diesel’s fuel system. Your owner’s manual will tell you how to do this, and how often to do it. If DIY is not your thing, many service facilities are willing to do this for you at little to no charge, and will dispose of the water/fuel solution in an environmentally friendly manner.
4) Diesel engines are often referred to as “oil burners” because unlike gasoline engines, diesel engines typically burn some of the engine’s lubricating oil during normal operation. That’s why it’s especially important to check your diesel’s oil level between oil changes. To check the oil, make sure the engine has cooled for at least 30 minutes, and that the vehicle is level. Your owner’s manual will explain when you should add oil based on the engine’s dipstick reading.
5) Diesel engines and coldness don’t get along. Low temperatures will cause your diesel engine to start harshly and warm up slowly. Extremely low temperatures of -10F or lower may cause your diesel engine to not function at all. Always remember to use your diesel’s block heater whenever the temperature hits below zero. The block heater is a simple electrical plug on your car which keeps your engine warm, using your home’s electrical source. All you have to do is plug your car in at night. You can also plug it in whenever the temperatures drop below freezing, if you can afford the electricity. Using your block heater will protect your engine, and will ensure smooth start-ups and quick warm-ups. Your owner’s manual will help you locate the block heater on your vehicle.
6) All new engines have a break-in period, and new diesel engines are no different. The break-in for a new diesel is usually from 500 to 1000 miles. Check your manual to find out what the average period is for your vehicle. During this break-in period, manufacturers will recommend that you do not drive at sustained speeds, such as on long trips on the highway, and do not haul or tow anything. Your engine will continue to improve in power and efficiency for 20,000 to 30,000 miles after the initial break-in period is over, since diesel engines reach their peak performance levels after lots of time and use. Most long-time diesel engine owners say their diesel began to truly perform only after a year or two of use.
To summarize, it’s very important that new or first-time diesel owners review their engine manual. In addition to normal vehicle maintenance, diesel owners should keep a close eye on their air and fuel filter warnings, they should always check engine oil between oil changes, purge water from the fuel system as required, and remember to plug in the block heater any time outside temperatures drop below zero degrees Fahrenheit. When you do all these extra tasks, your diesel engine will reward you with power, great fuel economy, and 200,000+ miles of good service.
Should You Put An Exhaust System On Your Truck?
If you’re a truck owner, you’re probably quite familiar with how powerful they are. Trucks are meant to haul and tow heavy loads without strain, which is why they require so much power. Yet most manufacturers equip their trucks with fairly quiet exhaust systems in spite of their powerful engines. If you want your truck’s sound to show its power, or you want reduce some of the constrictions in the exhaust, you might want to consider adding to or changing the exhaust system.
Luckily for you, the factory exhaust system on your truck is efficient, and can be easily improved with just a few modifications. The exhaust manifold is the first component of the exhaust system. It directs exhaust from each cylinder together into one or two main exhaust pipes. These are usually fairly efficient and don’t need to be replaced. If you decide to change them though, find a good set of headers with ceramic coating and factory mounting points for sensors. Usually though, the factory exhaust manifold will be perfectly fine for your needs.
After the manifold, exhaust travels through the catalytic converters. These are already very efficient and legally required to be on your truck, so you’re much better off leaving these alone. The only time you’d do really do anything with the factory catalytic converter is if you were adding an extremely powerful upgrade to your engine, such as a turbo- or supercharger.
The exhaust gases cool a bit as they enter the muffler after going through the catalytic converters. This part of the factory system is usually also perfectly fine, and won’t be too restrictive. Replacing the mufflers will probably only result in a small torque gain of 5-10 ft-lbs, and a hp gain of 3-5 hp. Using after market mufflers, however, will make a great change in how your truck sounds. It’ll add an exciting roar that easily justifies the cost of the muffler. The exhaust exits the truck out of the tailpipe after the mufflers. Truck owners often like to add tailpipe tips, but these are strictly ornamental, and serve no functional purpose.
Obviously, the most logical thing to do if you want to make a change to your exhaust system is to exchange the factory muffler for an after market one. It’ll produce the biggest, most noticeable results. Consider this when looking at after market mufflers:
First, do you want to hear the exhaust ALL the time? In other words, when you drive down the highway, is a little exhaust drone OK? If not, make sure you choose a muffler that’s not described as being loud. Check the web and ask your local muffler shop for advice on finding a good muffler. Many muffler manufacturers are even putting sound clips on their websites now.
Second, do you want something that people can slightly hear when you drive by, or do you want something so loud that the neighbors know exactly what time you leave for work every morning? Words like “racing” or “glasspack” usually indicate exceptionally loud mufflers, so watch out for those terms unless you want a lot of attention.
Also important to consider is whether the new muffler is a single or dual exhaust. If your factory exhaust system came with a single exhaust muffler, then your truck will work just as well with a single after market exhaust system. Dual exhaust systems are more expensive, but you’ll get a nicer sound and better look. If you use a dual exhaust, check that your installer works around the trailer hitch and/or leaves room for one so you can add it later if you choose.
Your final decision is which exhaust material system you’ll use. The right material for you will depend on where you’re located geographically. If it’s anywhere near a saltwater body, buy stainless steel. It may cost more, but stainless steel will be a wise investment since the saltwater in your environment is harsh on regular galvanized or aluminized steel. Drivers in dry climates won’t really benefit from the extra cost of stainless steel, since it’ll take years for rust damage to occur if it gets into the system.
Six Tips for People New To Diesel Engines
Diesel engine fans will rapture on about the impressive combination of power and fuel efficiency that modern diesel engines carry. Environmentally friendly and fairly low maintenance, diesel engines have been popular for years in Europe, and that popularity is finally beginning to grow in the United States as well. With all their benefits, diesel engines may very well become more popular than gas engines! Here are some tips to consider if you, like most U.S. drivers, are fairly inexperienced with diesel engines.
1) Virtually all new diesel engines are equipped with a turbo-charger, which works like a jet engine, forcing outside air into the engine. This increases efficiency and performance. Turbo-chargers are very powerful, so it’s important that the air entering is clean and free of detritus. You can make sure of this by keeping the air filter on your engine clean and changing it often. Most vehicles are equipped with electric sensors which alert you when your air filter needs changing. Pay attention to this! Ignoring this alert could damage your engine.
2) Diesel engines need to use fuel filters, since diesel fuel isn’t as pure as gasoline. Your car will have sensors much like those in the air filter, and these will tell you if your fuel filter becomes clogged and needs to be changed. It’s strongly advised that you heed these warnings quickly, as failure to change a clogged fuel filter could leave you stuck on the side of the road. Expect to change your diesel fuel filter more often than you’re used to, since diesel filters have a shorter life span than gas fuel filters.
3) Here’s some shocking news for new diesel owners — in addition to being less pure than gasoline, diesel fuel also contains water. Even though small amounts of water will not hurt your diesel engine, nearly all modern diesels are equipped with water/fuel separators. Depending upon your vehicle, you may need to purge the water from your diesel’s fuel system manually. Check your owner’s manual for instructions on how to do this and to find out how often it should be done. The good news is that many service facilities will perform this task for you at little or no charge, and will also dispose of the water/fuel mixture in an environmentally friendly way.
4) Diesel engines generally burn some of the engine’s lubricating oil during normal function. This is why they’ve earned the nickname “oil burners”, and why it’s important to check your engine’s oil level between oil changes. Let the engine cool for at least 30 minutes before checking the oil, and make sure the vehicle is level. Refer to your owner’s manual to know when you need to add more oil, based on your dipstick reading.
5) Diesel engines and coldness don’t get along. Low temperatures will cause your diesel engine to start harshly and warm up slowly. Extremely low temperatures of -10F or lower may cause your diesel engine to not function at all. Always remember to use your diesel’s block heater whenever the temperature hits below zero. The block heater is a simple electrical plug on your car which keeps your engine warm, using your home’s electrical source. All you have to do is plug your car in at night. You can also plug it in whenever the temperatures drop below freezing, if you can afford the electricity. Using your block heater will protect your engine, and will ensure smooth start-ups and quick warm-ups. Your owner’s manual will help you locate the block heater on your vehicle.
6) All new engines have a break-in period, and new diesel engines are no different. The break-in for a new diesel is usually from 500 to 1000 miles. Check your manual to find out what the average period is for your vehicle. During this break-in period, manufacturers will recommend that you do not drive at sustained speeds, such as on long trips on the highway, and do not haul or tow anything. Your engine will continue to improve in power and efficiency for 20,000 to 30,000 miles after the initial break-in period is over, since diesel engines reach their peak performance levels after lots of time and use. Most long-time diesel engine owners say their diesel began to truly perform only after a year or two of use.
It is imperative that new or first-time diesel owners read their engine manual thoroughly. Diesel owners need to perform normal vehicle maintenance, as well as monitor air and fuel filter sensors, check engine oil between changes, remove water from fuel system when needed, and plug in the block heater when the temperatures drop below zero. This extra care will result in an engine with power, fuel economy, and 200,000+ miles of service.
When Should You Put an Exhaust System on Your Truck?
Truck owners love how powerful their vehicles are. Trucks need lots of power because they’re designed to haul and tow heavy loads without difficulty. However, many truck manufacturers use fairly quiet exhaust systems on their vehicles, despite their powerful engines. If you want your truck to sound as powerful as you know it is, or if you’re aiming to reduce the constrictions on the exhaust, then consider adding to or altering your truck’s exhaust system.
The factory exhaust system already on your truck is already a pretty efficient system and doesn`t really need much modifications to be improved. The first part of your truck’s exhaust system is the exhaust manifold, which channels exhaust from individual cylinders into larger main pipes. These systems are efficient and don’t need to be changed, but if you decide you want to anyways, you’ll need a set of headers. Quality headers like the ones you’ll want will have a ceramic coating and factory mounting points for the sensors. Most of the time though, the standard manifold is more than good enough.
After the manifold, exhaust travels through the catalytic converters. These are already very efficient and legally required to be on your truck, so you’re much better off leaving these alone. The only time you’d do really do anything with the factory catalytic converter is if you were adding an extremely powerful upgrade to your engine, such as a turbo- or supercharger.
As they leave the catalytic converters, exhaust gases will cool down a bit and enter the muffler. The factory mufflers usually aren’t too restrictive, and replacing them won’t make a huge difference in the amount of hp or torque you get. The average change is about 3-5 hp and 5-10 ft-lbs of torque. After market mufflers, however, will make a dramatic change and are definitely worth the money. Your truck will sound much better! After the mufflers, exhaust exits the truck via the tailpipe. You can add tailpipe tips to this part, but it’ll be purely for decoration purposes, and won’t affect the exhaust system in any way.
Obviously, the most logical thing to do if you want to make a change to your exhaust system is to exchange the factory muffler for an after market one. It’ll produce the biggest, most noticeable results. Consider this when looking at after market mufflers:
First, do you want to hear the exhaust ALL the time? In other words, when you drive down the highway, is a little exhaust drone OK? If not, make sure you choose a muffler that’s not described as being loud. Check the web and ask your local muffler shop for advice on finding a good muffler. Many muffler manufacturers are even putting sound clips on their websites now.
Second, do you want something that people can slightly hear when you drive by, or do you want something so loud that the neighbors know exactly what time you leave for work every morning? Words like “racing” or “glasspack” usually indicate exceptionally loud mufflers, so watch out for those terms unless you want a lot of attention.
Choosing between a single or dual exhaust muffler is another important decision you’ll have to make. If your truck came with a single exhaust, then a single after market exhaust will be enough to keep good performance. If you prefer to get a dual exhaust, be prepared to spend more money in exchange for better sound and look. Make sure your installer works around your trailer hitch, or leaves room for one, just in case you decide to add one later.
Finally, what exhaust system material is best? It’s a decision that should be based on geography. If you live anywhere near the corrosive effects of saltwater, stainless steel is the smart choice. While it’s more expensive up-front, it will last much longer than galvanized or aluminized steel in these climates. People living in dry climates really don’t need to purchase stainless steel – if rust attacks their system, it will be years before anything is damaged.