26 5 / 2012

Die-casting mold manufacturer in China Current Situation and Development


Cavity Mold Manufacturing Co., Ltd., Guangzhou (Guangdong, Guangzhou 510250) Cai Zijin an introduction to the production of our die-casting mold production and number second only to die and plastic mold, mold all kinds of output accounted for about 8%. Has formed the &; branches have a certain scale, technologically advanced industrial countries can be followed.

Cavity Mold Manufacturing Co., Ltd., Guangzhou
1 Introduction

China die-casting mold production yield and number second only to die and plastic mold, mold all kinds of output accounted for about 8%. Has formed the &; branches have a certain scale, technologically advanced industrial countries to keep the level of team. After China’s accession to WI’O open intensified, often in cooperation with foreign countries, given the price advantage and environmental requirements of various factors, has been transferred to a large number of die-casting parts produced in China.

In recent years, motorcycle, automobile and appliance industries developed rapidly, die-casting industry emerged in the ever-changing situation, the die-casting &; round of the rise of new industrial and prosperous of the die-casting mold manufacturing industry. From China Die & Mold Industry Association Governance Committee declared the “national professional mold factory basic information” (2003) statistics, the casting mold (of which the majority of die-casting mold), the output value in 2003 than in 2002 increased by 53%; China Die & Mold Industry Association in 2002 there were 781 member enterprises, of which 191 enterprises (accounting for 25 &; / 0) are engaged in die-casting mold. At present, Europe, the United States, Japan, Korea and Taiwan region, die casting and die-casting mold users have to find in China, the supply of providers, can be predicted, our die-casting mold manufacturing industry in the spring to come.

2 die-casting mold manufacturer in China several stages of industrial development

Dependent on manufacturing die-casting mold die-casting industry in the development of China’s development.

No. l stage: the 20th century, the mid-60s to 80.
Production of small die-casting mold, mainly applied to the following 25ookN die-casting machine. Die-casting products focused on the instruments, small appliances, lock industry, and other industries. Special is the fans part of the die-casting mold, a Taiwan fan parts generally have 10 die-casting: front cover, the cover after cover, shell, gear box, fan sets, columns, panels, bearing blocks, as well as aluminum rotor irrigation.

As the fan output of large (more than 10 million units per year), it was such a die-casting mold in the number of a dominant role. During this period, poor molding process, technical level and its ability to lower heat-resistant steel is mainly used 3Cr2W8V, quenching and tempering heat treatment using the surface nitride treatment or quenching quench oil as a whole will not solve the deformation problem, mold dimension control accuracy, do not pay attention to surface quality, aluminum alloy die life to less than 50000 die times, mold cycle 4-5 months, the larger the die-casting mold can not be produced. During this period, neither mold imports, exports and no mold.

Stage 2: the 20th century, the mid-80 mid—90.
As the fan to replace the aluminum part material to plastic, and the rapid growth of China’s motorcycle industry (has reached more than 1000 million units per year), production of motorcycle parts die-casting mold jumped as the main products, each of several large aluminum motorcycle Alloy Castings: Left crankcase and right crankcase, clutch cover, magneto cover, cylinder body, handle brake parts, etc. In addition to a small amount of imported die-casting mold, the vast majority of Hainanen production molds to small and medium mainly applied to 8000kN the following die-casting machine, die weight is generally not more than 5t.

During this period, the level of the system over the previous model has been greatly improved, and a small number of enterprises started to introduce the use of CNC machining equipment and the preliminary computer-aided design, the heat-resistant steel is 3Cr2W8V or 4Cr5M0SiV1 (H13 type), heat treatment commonly used by oil-quenching the overall quenching and aluminum alloy die-casting mold life: 3-8 million in medium-sized mold mold times, small die mold 5 to 100,000 times, production cycle in the 3 &; 5 months. During this period, there is no die-casting mold export and some import.

Phase 3: mid-20th century, 90 &; so far.
The rise of China’s automobile industry, as well as the rapid development of technology, the world’s mold, die casting mold manufacturers in China has leap-forward development. Motorcycle parts die-casting mold making increasingly mature, large-scale, complex auto parts mold continuous research and development, manufacturing out, mold was large-scale, complex, long-life development.

Particular the last two years, generally paying attention to the quality and appearance of a marked lack of progress, life dies. CADl / CAM technology, universal application of individual firms also used CAE streaming Road and thermal field hardened after the finishing process route commonly used, the use of three-coordinate measuring instrument detected the size of the clamping machine assembly, repair mode, vacuum gas quenching and other advanced equipment and technology, this period, the heat-resistant steel is basically use of domestic or imported H13 class steel, mold die-casting machine applied 35000kN below, large-scale mold can be weighing 20 &; 30t.

At present, household appliances, motorcycles and other industries die-casting mold completely satisfied with the demand, the automotive industry for die-casting mold used in an increasing proportion of domestic production, magnesium alloy die started to develop. During this period, large-scale, sophisticated, complex import a lot of die-casting mold, die-casting mold, but also the end of the situation did not go abroad, some production of the molds are exported to industrially advanced countries.

Three basic conditions of the manufacturing industry in China die-casting mold
Large number of die-casting mold manufacturer in China can be divided into four classes: Class 1: die-casting mold manufacturer specialized factories. These manufacturers specialized production, the whole of society to undertake within the four seas automobiles, motorcycles, household appliances, elevators and other industries in large and medium-sized die-casting mold making, die-casting mold inside and needed to come mainly from the professional manufacturers. Some of the former state-owned enterprises or state-owned enterprises through the reorganization and restructuring, corporate, and the other part is developing rapidly in recent years, the private enterprises.
The former state-owned enterprises generally mold a long history and manufacturing experience, complete equipment, strong technical team, integrated technology leader, they mold level best reflects the China’s current overall level of die-casting mold. However, some businesses affected by the long-term institutional impact, management tools are not flexible, productivity is not high, and sometimes longer delivery cycles. Large-scale enterprises: FAW Foundry Co., Ltd. Foundry Mold Factory, Guangzhou cavity mold Manufacturing Co., Ltd., Beijing mold factory, mold Co., Ltd., Wuxi Shuguang.

The large number of private professional mold factory, in particular in the coastal areas dotted around the country, the development of mushroom production large, has become the main force of production die-casting mold. They are a flexible mechanism to short delivery, low price and meet the market demand. In recent years, many companies equipment and technology level and management level of a lot of progress, but also by the local government and Die Association, support, purchase of CNC equipment, CAD / CAM software, and even CAE software, mold manufacturing quality increased rapidly, which part of the company grew and grew, the scale is not small, the output value is also great, showing strong vitality.

Ningbo City in 2003 full-year sales reached l0 million die-casting mold, they are in a good regional cooperation and supporting the environment, such as Ningbo Beilun district, mold has more than 500 large and small enterprises, set up a central die-casting mold engineering, industrial Design central heat central (plant), Beilun mold website, measuring the Central, NC Central, electric processing, polishing processing, mold and die machining parts Blank supply blossom everywhere, supply fast, very convenient. The larger are: Xun Hui Electrical Appliance Co., Ltd., Ningbo Beilun Hui Wang Mold Co., Ltd., Ningbo Xinda Mold Manufacturing Co., Ltd., Ningbo Xin Precision Die Casting Mold Research Co. Ltd., Beilun Liaoyuan Molded Co., Ltd., Ninghai County, Hai Yu Aluminum Limited.

Category 2: joint ventures, foreign-owned enterprises. These enterprises well-equipped, the starting point higher, advanced technology, recruit foreign experts to guide and introduce advanced management mode and advanced technology, attention to staff training, pay attention to corporate image, the overall high level of mold, mold and reliable quality. There are larger Kyoritsu Seiki (Dalian) Limited.
Category 3: Large enterprises mold factory (workshop). Cars, motorcycles and some of the main output of the larger corporate sector (such as the system locks, toys, power tools) in large enterprises, their mold factory (shop) to undertake the task of its own mold making use of these companies are willing to invest money and talent, products and services targeted for the enterprise, some degree of difficulty is too high or too short duration of the mold will continue to work to the professional mold factory.

Such enterprises tend to have higher levels of die-casting base, originally used to mold many imported from abroad, in the digestion and absorption of foreign advanced technology based on the mold, the mold used in the enterprise in the design, manufacturing, localization and close to the foreign level, this Class mold factory (workshop) very powerful. In recent years, there is a new trend: some began to focus on to its own mold maintenance, mold repair mainly outside the mold is made purchases. The larger are: Shanghai Kolbenschmidt Pierburg Auto Parts Co., Ltd., Shanghai cosmopolitan Auto Accessories Co., Ltd., Dongfeng Automobile Brake Technology

Category 4: Die-casting plant attached to the mold shop. Most of these mold shop repair mold from the main business and then develop into the mold, some mold processing business has also made commitments. Its biggest strengths lies in its ability to provide tooling to stop casting production services. Light die-casting, such as Chengdu, Hing Industrial Co., Ltd. Chongqing Yujiang high mold company, Henan Zhongyuan Machinery Factory, Nanhai, Guangdong, Wen Can Die Casting Limited.

Overall, China’s current scale of die-casting mold manufacturers are not large, the largest number of production was only about 100-200, up to 3000-4000 yuan in fixed assets, labor productivity in 5 &; 20 Yuan / year. Distribution areas, mostly concentrated in the coastal economically developed provinces and municipalities, and automobile, motorcycle industrial base, such as Beijing, Shanghai, Jiangsu Province (Suzhou, Changzhou), Guangdong Province (Guangzhou, Dongguan, Shenzhen, Foshan city), Zhejiang ( Ningbo Beilun District, Yinzhou District, Ninghai County, Xiangshan County), Sichuan, Chongqing, Liaoning and Shandong and other places.

China’s current production, die-casting mold can basically do the necessary self-sufficient, but some new varieties of parts die-casting mold, particularly in large, thin-walled, precision molds, with high technological content, is difficult to mold in general would also like to introduce, as the technology purchased at the same time the introduction of large-scale die-casting machine. Magnesium alloy die-casting mold has just begun.

(1) the automotive industry.
Used in the automotive industry, large-scale die-casting mold (eg, clutch, gearbox, steering, gear boxes, etc.) within the four seas are fully capable to design and manufacturing. Such molds are mostly auto mold factory or big business of professional mold factory production. The same product more than the first mold with the technical cooperation or technology transfer from abroad and later added the mold is in the absorption, digestion on the basis of imports of mold development. Cosmopolitan Shanghai Auto Accessories Co., Ltd. from the United States 3000kN die-casting machine using a large die (together with the red side-mode), the plant also makes some of its own own major die-casting mold, especially magnesium alloy die, the plant also commissioned within the four seas manufacturers make application at 18000 &; 25000kN die-casting machine for use auto clutch and oil F15 chassis molds. Dongfeng Motor Corporation Fukang cars used in the clutch and gearbox of large die -casting mold, but also inside and factory production.

FAW Foundry Co., Ltd. Foundry Mold Factory, this year’s production of “intermediate casing - - gearbox,” mold, is by far my own design and manufacture of the largest auto parts die-casting mold, the mold weight of 33.5t, casting weight of 29kg, In the 32000kN molding die-casting machine, manufacture extremely difficult. Mold Manufacturing Co., Ltd., Guangzhou cavity before and after the Xiali, Beverly, North Kyrgyzstan, Chang’an, Volkswagen, General Motors, Peugeot, Honda, Qingling automobile plant manufacturing large cars such as die-casting mold. Die Casting Industry Co., Ltd., Chengdu Xingguang as China FAW Group, Changan manufacturers with mold, mold technology development in Heilongjiang Province, central production of the automobile gearbox mold, die casting Co., Ltd. Beilun “box-cylinder diesel engine,” Die are unique attractions. These manufacturers of products, a reflection of our current vehicles large and medium-sized die-casting mold development and manufact uring has reached a certain level and quantity.

(2) The motorcycle industry.
Motorcycle industry has been able to use die-casting mold for mass production. Ever since our country to become motorcycle-producing country has been required each year more and more die-casting mold, most molds are made, many enterprises to provide the performance and life of the mold from Japan on close to similar products, such mold manufacturing maturity , the cycle is very short, low prices, like the left and right crankcase, in the Beilun area of about 2 to 3 months to the system out of production motorcycle die within the four seas can be satisfied with the demand within the four seas.

Motorcycle mold die mainly from the industry branch and professional mold factory, a special area of Mold Factory, Ningbo, Zhejiang. Beilun district, such as a large number of mold factory, mold factory Beijing, Chengdu Xing Light Die Casting Industry Co., Ltd. Kyoritsu Seiki (Dalian) Co., Ltd., Guangzhou cavity Mold Manufacturing Co., Ltd. to provide a large number of these die each year. In addition, Ningbo Economic and Technological Development Zone Kat Auto Parts Industry Co., Ltd. and die plant in Zhanjiang capable carburetor carburetor higher levels of mold.

(3) motor, electrical trades.
Motor industry, electric fans, washing machines, TVs, electric irons, electric food warmer used in various sectors such as die-casting mold has been basically self-sufficient in its production can be satisfied with the level of demand for products.

(4) large molds, such as the escalator steps mold inside and can be designed and manufactured. At present, China’s elevator industry, the use of imported and domestically produced mixed mold. Type of mold is often weighs 20t, manufacture of high precision, such as the tread pitch for i0.05ram, using the die-casting machine locking force greater than 25000kN, mold complex, and difficult to process, manufacturing risks. Mold Co., Ltd. Wuxi Shuguang the earliest steps of production molds, has provided more than vice delivered. Cavity Mold Manufacturing Co., Ltd., Guangzhou since 1999 has been producing elevator die every year for the industry to provide several sets, mold high-temperature-control technology for the control mold temperature, hydraulic core pulling, and sometimes a mold box to install the three kinds of specifications product cavity (1000ram, 800ram, 600ram), or even nine kinds of specification products, mold processing, high precision, interchangeability, g ood for the user to save tooling costs. Steps of the two production plants molds in China
International (Shanghai) die technology and equipment exhibition in the mold was named Class A awards (close to the international level).

(5) other industries.
Hot chamber die-casting machine used to mold, special in the system of locks, gas appliances, plumbing equipment, instruments, toys and so on large-scale use, mold though not large, but the number is large. Such molds are mostly self-produced for personal use or corporate collaboration with manufacturers in this region. Xi’an Dongfang Machinery Factory manufacturing high-precision small-scale zinc alloy die, Guangdong Wan Ho Machine Casting Co., Ltd. (Hong Kong move into enterprises) produced by simulation of automotive die-casting mold, Guangdong mold lock Xiaolan, gas with mold and Jiangsu and Zhejiang, Guangdong area The hot chamber machines are used in molds of characteristics and size.

Ningbo Northern Lunta Zhi-gate mold factory shade mode, Beilun Huasheng Mold Factory’s “New Zealand sewing machine head” mold, manufacturing is difficult, good quality, display at the exhibition were well received.

5, the level of manufacturing technology in China die-casting mold
Into the 21st century, China die-casting mold design and manufacturing has greatly improved the technological level of today’s advanced processing equipment abroad, mold, using the software, processing technology and testing equipment, many companies have introduced and applied, though there are not many, but has become a major enterprise in various mold processing equipment and tools. In production form, the traditional processing method workshops with foreign advanced countries, the processing can not co-exist.

China’s production of die-casting mold, compared with foreign products, the price is low, usually about 1/2-1/5 similar foreign mold; cycle is short, such as the motorcycle crankcase casting mold, usually in 4 months abroad can be delivered for use and within the four seas, compared with 2 to 4 months; die gap between life expectancy and abroad, inside and varying levels of different manufacturers and medium-sized complex molds abroad, often in the 10 &; 150,000 die times, inside and do a better job of firms in general have 8 &; 120,000 die times, the individual poor still at 2 &; 30000 Die times; made mold main problem lies in the quality of the stability of poor quality and do not pay attention to appearance, size, high precision, when used high failure rate, rework and more restricted Casting increase in productivity.




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25 5 / 2012

Why You Might Like An Auto Magazine

If you are into cars, then you will like to read an auto magazine that will keep you up to date on cars as well as give you informative articles on how to fix cars. In addition, you can also find cars for sale when you read cars magazine. Any car buff cannot afford to be without one of these magazines that are for those who are into cars.

Those who are looking for a gift for someone who likes cars will want to think about getting them a subscription to an auto magazine that they will like. There are various different types of cars magazines that are out there for those who are car buffs. Some of them are concentrated on classic cars while others focus on modern cars. Whether someone is fixing up a hot rod or if they just like to be informed about the types of cars that are out there on the market today, this is an ideal gift. A subscription does not cost much money and is something that they will think about each time the magazine comes to them in the mail.

While you can get a great deal of information online when it comes to cars, you can also hold the information and have the leisure to read about it when you are at home or away when you have a cars magazine. This type of magazine can teach you how to build a car, fix a car as well as how to buy a car, depending on what you are looking for. As most people today use cars, this magazine can give you an in depth view of what you are looking for in every day life. The more you understand about cars, the less arduous the process is of trying to look for them as well as maintain them.

If you want to learn about cars, then the best place to do so is with a magazine that will feature this from cover to cover. You will learn about the latest news in the car world this way as well as get tips on maintaining your vehicle as well as restoring an older vehicle. Cars magazine options vary depending on the type of car that you are working on or considering, but chances are that everyone who drives and shows an interest in cars will like to take a look at an auto magazine.

While you can always glean information online, it is not as in depth as what you will find in magazines. Because you can hold the magazine in your hand and read it, you can also pick it up and put it down at will, going back to the place where you were over and over again. You can save some articles for future reference as well when you have a magazine of this type. The more you want to learn about cars, the more it makes sense to use an auto magazine in order to do so. This will help you learn all that you want to know about the car that you have as well as cars in general. Whether you are a consumer of cars or if you are just a car buff and like to learn how to fix them, this is the type of magazine for you.





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22 5 / 2012

Best Used Cars - Get The Best Deals On Repossessed Used Cars For Sale

If you’ve ever been to a public car auction then you’ll know that its very standard and simple. Upon arriving at a public auction you’ll be required to present some id and sign in. You’ll be given a number so you can start bidding on items during the day. Usually at public car auctions you’ll be allowed to inspect the cars before they go on auction.

When inspecting cars make sure you know a little bit about cars first. Each car will have an information tab that will tell you what’s wrong with it if there is a problem. These public car auctions have to tell you if the car is in good condition or not. But never fear if you buy a car from an auction and it won’t work even if it says its in good conditioning you’re covered under their terms and conditions.

We now understand public car auctions but what about online car auctions and what’s the difference?

There’s not much difference between how they work however the biggest difference is that you won’ t be inspecting the cars before you buy them so its like buying clothes on the internet not knowing if it fits right. However and this is a big however, you’re allowed to send any cars you buy online back if it has been misrepresented, now if you’re wondering that the benefits are of buying from cars from an online auction here it is:

- Search for cars without having to go to the auction sites
- Bid for them in your own time from anywhere around the world
- Your protected by the online car auction for misrepresentation
- There are 4 top websites that consistently have auctions going every week

So if you’re interested in buying cars from public auctions you now have two ways to do so. Join this site now and get access to thousands of good quality cars at unbelievable low prices.

Visit Best Car Dealers Blog for the best deals on Used Cars For Sale Online.





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18 5 / 2012

5 tips for buying Clarksville Indiana Used Cars

http://www.kiastoreclarksville.com 5tips for buyingClarksville, Indiana Used Cars

Everyone has seen the stereotypical used car salesmen shown on television and in some movies like Matilda, Used Cars, and The Goods. Most of the time they are depicted as slimy men in ugly outfits that will do lie, cheat, and steal to close a deal. Well lets just be clear on this, while some may be like that, the vast majority are not. Maybe in big cities around the country where people don’t know everyone, but used cars Clarksville Indiana dealers are a part of the community. Just because you are not be working with Big Slick the used cars salemen when you buy your next car it is crucial to keep in mind that your salesmen is just that and they pay the bills by selling you on the cars on their lot. Buying a car is paramount decision and it is much better for youto know what to expect and how to deal with salespeople.


1. Patience is a Virtue

This is not a race to see who can by the best car the fastest. When people by a house they sometimes look for 1 or 2 years before they find something that they truely love. Buying a car should not be that different. Obviously looking for a car for over a year is a little extreme, but I would at least dedicate a month or two to it.. Don’t salavate all over thefirst good car that comes your way. The salesmen will always try to make you make a fast decision, but thats when you ask for them to back up and let you think about it.


2. Use Your Head

Hire a private dective… that is a joke, but you really should do some background research on different types of cars that you could see youself wanting. You should absolutelyread reviews and ratings and on them and see, how they mechanicly function as they get older, if it keeps its value over time, see if the paint peels when it gets older. There are all sorts of great websites out their for your to do this research, a couple good places to check out are Consumer Reports, Kelly Blue Book, Edmunds.


3.Try the Big Guys

The best used cars are often those that were traded in by other customers. So a great place to look for a used car is on a big new car lot. For Instance, you may not want a Kia, but the Kia Store Clarksville In has the biggest selection of new and used cars Clarksville IN has to offer. So just because they are called a new car dealer don’t assume that they won’t have a a bunch of used cars.

4. Read Dealer Revviews

One of the great things about the internet, is that it lets consumers share stories that often go unheard. When someone comes up with the shaft due to the negligence of a car dealer, they can tell everyone what happend. There are plenty of forums andwebsites that work based on customer reviews, so people who have been scroned will often publish a review of their experience at the car lot. It works both ways, a lot of times people were so impressed by the service they recieved that they are dying to tell people about it. A couple places you can find these reviews are… Yelp, City Search, My dealer report, ect

5. Dont be Lazy

It is as simple as this, when you trade your car in, a used car manager will take it for a quick spin arounf the block. The first thing they will notice is if it smells, and if its dirty. If you care about a few thousand dollars do not even think of taking a dirty car to a car lot. If they see cigerette butts on the floor board, and trash everywhere, they will assume 2 things. The first being that you did not take car of your car and that it is in poor condition. Secondly they will assume that you do not value your car and they will offer you less money for it. Take then time to clean it yourself or pay someone to clean it.

Oh yeah… one more tip….

ALWAYS ASK FOR A CARFAX AND A KELLY BLUE BOOK!!!!!!!

One of the best and most trust worthy Used Cars Clarksville In dealers is the Kia Store Clarksville. We 100 hundres of vehicles in stock there is something there for everyone. They have been know as one of the most honarble dealers in Southern Indiana. So just visit our used car page and see for yoourself http://www.kiastoreclarksville.com/clarksville-indianapolis-used-cars.php

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17 5 / 2012

Houston Craigslist Cars, Knowledge is Power

If you are in the market for a used or a new car, then you are reading an article that would prepare you to take the best decision, or at least one that won’t make you feel bad the next morning. Houston Craigslist cars is included in the title due to the rapid increase in it’s popularity, but even if you are intending to buy through the traditional channels, Houston Craigslist cars is a good tool to provide with an idea of the fair market value for the car.

Whether you are buying through Houston Craigslist cars, or the traditional channels, you will feel only better about your final decision after the completion of this article. Hence, knowledge is Power. The more knowledgeable you are about the deal, the more power you would enact on the salesperson. If you are familiar with numbers involved in the deal, believe me, it would be almost impossible for salespeople to have you pay more than you are supposed to.

Suppose you go to a furniture store, and see a nice couch for $200, later that day you walk into another furniture store, and a salesperson tries to sell you an identical couch for $300. It is in the salespersons’ vested interest to sell you the couch for $300, which ultimately means more commission for him or her. Think about the different facts that the salesperson is going to say to you to convince you that their higher price is justified? Will you do it? I hope not, because you saw the exact same couch sitting at the other store for $100 less.

Lets apply this example to car buying. If you were to walk into a car lot with very limited information of what the car should cost, then there is no way you can know if an identical is waiting for you at a different lot, and of course, salespeople will try their best for you not to leave the lot until you make a decision. Never be rushed, if the car is not willing to wait for you for 24 hours, then you were not supposed to buy it. Watch out for salespeople that try to get you excited about the car, this leads to disabling the rational side of your brain. To end this article, it is to your best interest to find out the amount the dealer paid for the car. Allow them to make profit, but not excessive. The price the dealer paid for the car is very easily found by looking up the trade in value of the car on Kelly Blue Book, or the loan value on NADA.
Visit my website if you are looking for Cars in Houston





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16 5 / 2012

Car loan value - Finance

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15 5 / 2012

The Safest Luxury Cars to Insure

Considering the exorbitant prices of most luxury cars, it’s a veritable godsend for many cash-strapped consumers when genius car manufacturers have invented cars worth their sticker prices.

Thus it strips off the word luxury, bearing the meaning that it holds up to its name because of its price and nothing else.

Today, prominent car manufacturers like BMW and AUDI had been ravishing the limelight after they received recognition from Consumer Reports on its latest models.

The cars were among the safest cars on the road.

BMW 330i’s general safety features that placed it on the top of the list are panic button alarm, side guard door beams, and child-safety door locks.

It is also equipped with driver airbags, a passenger air bag cutoff switch or sensor, a passenger airbag, front side airbag, and side head curtain airbags. The second row side airbag is optional.

For added protection, the BMW 330i is equipped with anti- theft prevention features. These features are the selective locking or unlocking feature, the locking fuel filler door or cap, valet lockout, and the vehicle anti-lockout device.

It is equipped with a stability control that effectively protects the driver from any swerving or uncontrolled motion.

Moreover, because of the many incidences wherein sudden inflation of airbags had caused accidents, mostly children, BMW 330i airbags are endowed with smart dual-thresholds, sensor, and dual-stage deployment that curb any airbags inflation that were uncalled for.

On the other hand, the Audi A4 luxury car also speaks of genuine craftsmanship.

The safety break features enable the Audi A4 to safeguard its occupants in the event that an accident happens or whenever the road becomes slippery.

A dual-stage and dual-threshold airbag supplemental restraints with occupant sensors were also provided.

It also has a new system of seat belts management and usability that features a safer way of employing seat belts while on the road.

Plus, it has child-friendly safety features like LATCH or the lower anchorage and tethers for children system situated at the rear seats, and child safety rear door locks.

With all these safety features, no wonder they were among the safest cars on the road. This is not just mere recognition for most buyers but also a way of saving more money when getting insurance.

It is because most auto insurance companies charge lower premium rates to drivers who drive safe cars. There are also auto insurance companies that offer additional anti-theft or vehicle tracking discounts.

Moreover, cars, like the ones mentioned, who performed well on car crash tests will keep you safe in an accident and as a side benefit most likely get you lower auto insurance premiums.





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13 5 / 2012

Can I Keep My Car If I File Bankruptcy? Part 2

In a previous article (Can I Keep My Car if I File Bankruptcy) we looked at five questions that must be answered each time we are looking at saving a car in bankruptcy. If you haven’t already read that article, you should take a moment and do so. Just to review, the five (5) questions are:

How Many Cars Do You Own? (Really, read the other article. You may be surprised how many cars you “own.”) What are the Year, Make, Model, and Condition of Each of Your Vehicles? How Much Is Each Vehicle Worth? Are There Any Loans Against The Vehicles? Is There Equity in The Car?

In order to decide if you get to keep your car when you file for bankruptcy we apply one final test. That test is the:

Automobile Exemption

When a person files for bankruptcy, all of his/her property (both personal and real) is subject to being liquidated in the bankruptcy estate. In order to keep property, the debtor must able to apply a legal exemption to the property. If an exemption applies, the debtor gets to keep the property. Since we are talking about automobiles, it is important to understand the Automobile Exemption. This varies by state, but where I practice law, the code states that a debtor may exempt up to $7,000 of equity in one vehicle. In other words, each debtor gets to keep one vehicle with up to $7,000 in equity (Equity is the difference between what you owe and what it’s worth.)

So let’s take a look at a few real-life scenarios to see how the Automobile Exemption applies. In each scenario, the debtor is single, filing a chapter 7 bankruptcy, and owns one car.

Scenario 1:

Year: 2001 Make: Chrysler Model: PT Cruiser Condition: Good NADA Value: $4,950.00 Outstanding Loan: $8,692.00 Equity: -$3,742.00

In this scenario, the debtor owns a vehicle that has negative equity, meaning they owe more for the car than it is actually worth (i.e., they’re “upside down”). The debtor has the right to keep making payments on the car, and as long as they do so, they may keep their car. Remember, the rule is each debtor gets to keep one vehicle with up to $7,000 of equity. In this example, the car has no equity (or, less than no equity, as it were).

Scenario 2:

Year: 2001 Make: Chrysler Model: PT Cruiser Condition: Good NADA Value: $4,950.00 Outstanding Loan: $0.00 Equity: $4,950.00

The only difference between scenarios 1 and 2 is that in scenario 2 there is no outstanding loan. Once again, the rule is each debtor gets to keep one vehicle with up to $7,000 of equity. In this example, the car has only $4,950 in equity which is less than $7,000. Thereforeyou guessed it! They get to keep their car!

Scenario 3:

Year: 2009 Make: Toyota Model: Camry Miles: 9,500 Condition: Good NADA Value: $19,200.00 Outstanding Loan: $18,352.00 Equity: $848.00

In scenario 3 the debtor owns a car that is worth more than $7,000. Some people get tricked by this piece of information. But remember, we’re talking about equity here, not value. And in this example, the debtor only has $848 of equity so they get to keep the car.

As a side note, the debtor in this case decided to surrender the car because the payments each month were more than she could afford. Because her bankruptcy attorney (that’s me) set everything up correctly, she was able to drive the car for a couple of more months before giving it back. And because I didn’t have her sign a reaffirmation agreement, she wasn’t responsible for any additional amount due on the car after it was sold for only $9,000 at auction! (That’s a savings of over $9,000 for those of you keeping score.)

I think you probably get the idea about how the Automobile Exemption works. It really isn’t complicated.

So now I’ll complicate it. (I’m a lawyer it’s what I do.)

What happens when a person owns a car that has more than $7,000 of equity? Well, if you’ve been following along you’re probably saying “Well, the exemption covers $7,000. If they have more than $7000 worth of equity, they’ll just have to give the car back.”

And you’d be right. Except that you’re wrong. But don’t feel bad, it was a trick question.

It is still sometimes possible for a person to keep their car even when the equity exceeds $7,000. That is based on the following considerations:

Can any other Exemptions, in addition to the Automobile Exemption, be used? How much more is there than $7,000 of equity? Whose names are on the title to the vehicle?

Let’s take a look at one more scenario to see how these factors work. The purpose of this example is to show how an additional Exemption can be used to save a car.

Scenario 4:

Year: 2003 Make: Chevrolet Model: Suburban Miles: 96,000 Condition: Good NADA Value: $13,450.00 Outstanding Loan: $6,000.00 Equity: $7,450.00

In this example we see that the debtor has $7,450 of equity in his/her vehicle. I did the math and that is more than $7,000. $450 more, to be exact.

Fortunately, in the state where I practice law, there’s a thing called the Wildcard Exemption that we can use in this scenario. The law says that each person may exempt an additional $1,000 of property that is otherwise not exemptible. Even better, in the last few years the state legislature amended this exemption to allow for “stacking.” Stacking is where more than one exemption can be used for the same asset. More plainly stated, we “stack” one exemption on another to save a single asset (in this case, the car).

Because there is only $450 of additional equity in the vehicle, this problem is easy. The debtor merely “stacks” the $1,000 wildcard exemption on top of the automobile exemption. The result is that all the equity is exempted and the debtor gets to keep the car.

WARNING!

Once the wildcard exemption is used it cannot be used again. Normally this doesn’t matter, but it’s still worth noting because failing to understand this can lead to extreme disappointment when the trustee is taking someone’s property to sell.

SECOND WARNING!

There are factors that can lead to limitations as to what extent exemptions can be used. These limitations are not always complex, but they are too detailed to cover in this article. Your bankruptcy attorney will know how to evaluate the limitations and work around each.

In an upcoming article, I’ll cover what happens when there is more than $7,000 of equity in the car. Specifically we will look at the remaining issues of

How much more than $7,000 of equity is in the car, and Considering how the names on the car title affects your ability to keep a vehicle.



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12 5 / 2012

Rent Luxury Cars In Spain

Luxury cars are the vehicles that provides luxury and all those comforts which other can not. Luxury cars have pleasant and desirable features at increased expense which can not be compared with any other standard cars.

If you want to Rent luxury cars in Spain, Rent luxury cars in Marbella , Rent luxury cars in Madrid or Rent luxury cars in Barcelona. The rental services company will help you in fulfilling all your dreams and desires regarding luxury cars such as Mercedes Benz, Ferrari, Audi , Aston Martin, Bentley, Masserati ,Hummer, Chevrolet, Porsche.

If you can not afford all these luxurious cars and sometimes desires to have them on special occasions, then renting it from the rental agency is the best option for you, if you could not afford to buy them. There are rental companies which can Rent luxury cars in Spain , Rent luxury cars in Marbella , Rent luxury cars in Madrid, Rent luxury cars in Barcelona and across other countries too with all varieties of the luxury cars.

If you want to arrive at some of the occasions with a different style and comfort like weddings, family functions, corporate meetings, date with your love. For all the reasons, start your search by searching rental services in many ways, some of them are as follows :-

By asking friends, relatives or local neighbours

Searching on Yellow Pages or online directories

Checking local business directories

Internet search on Google, Yahoo, or Bing

Asking a customers for referrals

Do your search thoroughly and make a note of all the cars rental companies have in their stocks and the rates they offer for the rent. Once you have a list of the rental agencies who Rent luxury cars in Spain , Rent luxury cars in Marbella , Rent luxury cars in Madrid, Rent luxury cars in Barcelona.

Compare all the prices and choose the one that offers the best deal in terms of the rates they charge and the facilities they offer, which are according to your budget.

There are few things that you must look into apart from rental fare and types of luxurious cars. That are :-

1.Rental company should have legal certification and insurance for the services that they provide.

2.Have a drive with the car you select, such that after renting you do not face any problem. Since different cars have different options so that you do not face any difficulty.

3.Inspect the cars off the rental agency, inspect the car very carefully and confirm that there are no major dents or damages on the car.

4.Make sure that after the booking the desired car the rental companies will make vehicle available at the time you require it at your door.

After clearing all the doubts and queries from your mind to rent luxury cars in Spain , Rent luxury cars in Marbella , Rent luxury cars in Madrid, Rent luxury cars in Barcelona. Understand and read properly all the legalities. This will be very beneficial if you face any problem afterwards.





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11 5 / 2012

Tow Truck Insurance Agencies - With The Most Affordable Automobile Insurance Quotes

There are plenty of Tow Truck Insurance companies out there that offer various kinds of truck insurance, that it could be difficult to make up your mind to choose which one to purchase. Sometimes, drivers like yourself tend to get careless and choose a policy that they regret taking later on.

While there are insurance agencies which promise the cheapest Tow truck insurance quotes, there are companies which also have the resources to provide the customer with the most affordable automobile insurance quotes. To access them, all you need to do is to fill up a quick online application which will require your names and other basic details as well as your financial details. This form is completely free of cost.

Vehicle insurance provides protection against the losses that may occur due to unseen or unavoidable circumstances. The insurance should cover the insured party, insured vehicle and third party damages. The premium amount is determined based on the age, gender, driver history, etc., basically, automobile insurance quotes doesnt cover the damages occurred due to theft or other loss incurred by the insurer other than accident. But few insurance companies offers coverage towards recovering the damages caused due to theft or natural calamities.

As far as local tow truck insurance agencies are concerned, they supply the best available quotes to many insurers. Online forms with them enable not just the insurance marketplaces but also the carriers to then check quotes instantly. The ideal way to check with local agencies is online, especially if consumers have less time in hand as it does not involve complete application filling and other information giving. After consumers have submitted a very small form online, local agents can then provide them the tow truck insurance quotes over the telephone.

You can also choose the liability levels, the amount of deductible and many other features on this system. If you still are not sure about the plan, you can always call the company to find out more. Once you get a quote, the next step is to call the agency as you need to get first hand information. Try comparing a number of quotes from different companies in order to get a better idea. This will let you make the best choice when it comes to price. Whenever you make a purchase online, remember to have your driving license number and vehicle ID number with you.

Since tow truck insurance is a pre-requisite for drivers in most states people can really make a huge business out of it. Nevertheless with the competition heated by the abundance of companies offering auto insurance policies, prices are now becoming cheaper than ever. This is the reason why searching through comparison shopping is the key to get the best possible deal. Now, it is possible to get multiple quotes from different providers! With a computer and a good internet connection, people can now attend to their daily tasks and get save on their tow truck insurance premiums!

To get the free tow truck insurance quotes online it is advisable to apply only at the websites of well-known auto insurance companies. This way, only a single quote can be obtained from a particular company only. Applying through a referral based agent (insurance), will provide you with multiple quotes. It is possible to receive up to 5 quotes through a single application.





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