So This Is Christmas

Merry Christmas is such an infectious feeling I like to feel that way all year around.

So if you are visiting just before Christmas, just after Christmas or even here on Christmas day I am sure you will find something of interest for you and in the spirit of Christmas.

It may be said that Christmas is no longer a celebration but this must be spoken by people that have never had trouble closing their eyes on Christmas Eve in an expectation of what maybe left for them on the carpet under the tree.

I continue to look forward to the surprise on my Grandchild's faces to this day at Christmas events.

Merry Christmas - Merry Christmas - Merry Christmas

Saturday, August 9, 2014

Hey Jacksonville Florida, Ram Truck Crowned 2014 Motor Trend Truck Of The Year

By James Michael


Warren Truck Assembly, the Birthplace of Ram Trucks was the site of the Announcement. The report in its entirety will be featured on MotorTrend.com and in Motor Trend Magazine February 2014.

Nine Truck of the Year contenders were put through a comprehensive assortment of challenges in order to measure each aspect of the Trucks. In addition to the 2014 Ram 1500, the experts probed other re-designed or substantially upgraded trucks introduced this year: The GMC Sierra, the Ram Heavy Duty, Toyota Tundra and Chevrolet Silverado pickups.

To determine which truck deserved top honors, the Motor Trend judges took the nine contenders to the Continental Tire Automotive Proving Grounds in Uvalde, Texas. There, the judges tested each truck's performance with the following exercises:Standard testing (without load): 0-60 mph and 1/4-mile acceleration, 60-0 mph braking, and maximum lateral grip. Limit handling (without load): closed-course cornering, braking, and acceleration. Tow/payload testing: 0-60 acceleration repeated with trailers attached (pickups) or payload secured (vans), loaded to 75 percent of each truck's maximum rating (as equipped).Road looping: Highway and real-world replication.

While at Continental, the judges made use of the facility's 8.5-mile high-speed oval, 15-acre dynamics pad, 1.1-mile dry-handling road course, and multi-surfaced ride road to determine the individual vehicles strengths, weaknesses and capabilities. As soon as the extreme week long probing in Uvalde was concluded, the contestants were taken to Motor Trend headquarters to undergo proprietary "Intellichoice Real MPG" fuel-economy testing. Using the latest technology including a weather station, GPS data-logger, and flow-rate and gas analyzers, Real MPG measures exhaust samples every second to pinpoint real-world fuel results.

Once the competition was wrapped up, the panel of experts met to reach agreement on which truck was the 2014 winner of Motor Trend Truck of The Year. The winner is not selected from a direct competition against the other entries, but based on how each truck scored according to the award's six criteria: Design Advancement, Engineering Excellence, Efficiency, Safety, Value, and Performance of Intended Function.

With the votes cast, the Ram 1500 clearly emerged as Motor Trend's 2014 Truck of the Year. The judges were particularly impressed with the performance of the Ram 1500's all-new EcoDiesel V-6 engine as well as its eight-speed TorqueFlite transmission, a combination that boasts a towing capacity of up to 9,200 pounds. Further, Motor Trend's Real MPG testing supported what the team learned in Uvalde: None of the gas-powered half-ton trucks in this year's competition - be they V-6 or V-8, 4x2 or 4x4 - could match the EcoDiesel's mileage. After delivering observed fuel economy of 15 mpg under extreme testing at Continental's proving grounds, the EcoDiesel continued to impress during the Real MPG test loop, returning the following frugal stats: 19/26/21 mpg city/highway/combined for the Laramie Longhorn Crew Cab 4x4 with a 3.92 rear axle and an even more notable 18/28/22 for the Lone Star Crew Cab 4x2 with a 3.55 rear axle.

The Ram's available air suspension system also received outstanding scores in Engineering Excellence, delivering a smooth ride and responsive handling regardless of the driving surface.The interior ergonomics, overall styling and packaging of the Ram 1500 blew the judges away; notably, the Laramie Longhorn's luxury aesthetics and real wood trim. The diversity of the lineup was another resounding advantage. Regardless of whether the Ram was equipped as a basic work truck or a luxury vehicle the Ram 1500 provides all of the capability needed in a truck.




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Home Improvement Includes Changes To Your Landscape

By Johnathan Black


For anyone that has ever owned a house, home improvement projects are a weekend staple. Many of us are unfamiliar with the construction trade, but that doesn't mean we cant take on even some of the most difficult home improvement projects. This article is meant to give you tips for your next home improvement project.

Take the time to find the studs before you start the install project for your new cabinets. This can be done easily with a stud finder and marked with a nail that will be behind the new cabinets anyway and not able to be seen. The studs are the only sturdy place you have to attach something to a wall.

Think about your surroundings and perform improvements that are sensible. Avoid nonsensical or questionable improvements like leaving a sun room in a cold climate uninsulated. This will make your home much more difficult to sell. Stick with things that are popular, and do not veer from the neighborhood norm.

To see a return on your home improvement project, consider converting existing space into a new living environment for your family. Making an attic into a bedroom or finishing off your basement will earn you extra money when reselling your home because you are utilizing something that is already available to create a desirable feature.

When it comes to home improvement, consider remodeling either your kitchen or bathroom first. These are two of the best ways that you can add the most value to your house. If possible, add an additional bathroom to your house as this is always a way to boost the value of your home.

If your home improvement project involves moving appliances or other furniture in your house, make sure to put something down to protect your floors. Particularly if you have hardwood flooring, taking out large items can make a big mess and scratch up your flooring. Taking a few minutes to protect your floors can save you a lot of money in the long run.

Keep children safe and improve your home by putting pads on sharp furniture. You can protect sharp furniture edges by using foam tape or buying specific child safety corner protectors. Also, make sure that all loose wires are secure to avoid the chance that your child could be strangled by it.

Every time you decide to do a home improvement project, you are furthering your ability to take on future projects, as well. Success is very much dependent on the information you have, and if you apply the advice and tips from this article, you will drastically improve your chances for success.




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The Importance Of Collateral Recovery Services Irvington NJ

By Tanisha Berg


In the ever dynamic world, there has been a progressive trend in more companies getting into the collateral business management their core business being to help banks and other financial lenders recover loans from borrowers who have defaulted in paying back. Lenders can conveniently get collateral recovery services irvington NJ and thereby avoid incurring losses.

In as much as financial institution claim that hiring collateral management companies is too expensive, the desire to engage with these companies is increasing every day. This has been attributed to the fact that there are surging numbers of loan defaulters who leave the financial institutions counting heavy losses.

Many of the financial providing institutions are not qualified in safe keeping of security guarantees from clients when they borrow money. For this reason, they end up mishandling property of their clients and lastly they are even sued so as to compensate clients when they honor repayment of their loans but the securities are not well taken care of. To have proper recovering of your security guarantee, hire the services of this firm.

In cases where the lender seeks to have possession of the asset, it has in some instances led to the financial institutions being sued for bad state of the asset. Due to the fact that the lenders might not have the knowledge to effectively manage this assets, it is advisable to get professional managers. This will avert legal suits from the customers and a cordial relationship between the lender and borrower where both their interests are safeguarded.

In the recent past, there have been concerted efforts to bring together the financial institutions, clients and the companies doing the safe keeping of commodities. This is being done in a bid to promote understanding between all parties such that the client will be confident that his goods will be well taken care of during the loan period.

Before settling on an indemnity recovering firm, ensure you gather enough information on their legality and the reputation on the quality of their work. This will ensure you do not run to people who will end up stealing from you instead of helping you. Some of the firms out there do even collude with the defaulters so as to share the amount in the event it is recovered.

For the bank and other lenders, it is very important to do a thorough check on potential clients. This will give an idea on the chances of defaulting. The lender will be in a position to determine the risk involved in lending the client. This information will also be necessary for determining the interest rate to be charged, the riskier the client is, the higher the interest charged.

In conclusion, as financial trade continues to grow exponentially, it is very important to ensure that your loans are well secured. The surest way of ensuring this is by engaging companies that will manage all your commodities collected from the clients not only to avoid disputes but to also be sure of high returns on the sale of such commodities.




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Tips For Getting A Reliable RV Williston ND Dealer

By Tanisha Berg


Many people relish the experience of a road trip. However, when you think of the cost of accommodation in some locations, it can be too expensive and you may not stay as much as you would have wished. However, if you owned a motorhome, things would be quite different, as you would not have to pay for hotel rooms. In that case, if you are looking for an RV Williston ND has some reliable dealers you can purchase one from.

Everyone loves a good service, be it in the restaurant or in a hotel. While many businesses know this, some may only act nice before you purchase their goods or services, but once the deal is done, they will not value you anymore. Before you buy a motorhome, ensure that the services are outstanding.

To get a reliable seller, ask the locals. You cannot fail to see a motorhome when it passes you on the road. If you come across one, you can talk to the owner and request him or her to refer you to the dealership where they bought theirs. However, you should first seek to know whether they are happy with the services.

Check the local business guides. You can try the newspaper-classified section, although many businesses target the older generations when they use newspaper ads. The younger generation are more likely to use the internet. Therefore, if you fall under this group, you can check online for local business listings. Get the phone numbers of the dealers so that you can call them.

Check the ratings. For a business to continue drawing visitors, it must be good at what it does. The most important thing to consider is how long the yard has been running in that location. If they are new, you can give them the benefit of doubt. However, if it is an old business, ensure that they have more than average ratings.

Visit the dealership first. Come up with a list of local motorhome sellers and arrange them in order of rating. You cannot go to all the yards you have identified, so pick the top three and visit them. Check out the type of vehicles they have, but also talk with the management and let the, know what you want.

Know the costs. RVs vary widely when it comes to prices, depending on the class of the motorhome you are looking for. If you are looking for something really equipped, then you will have to part with a lot of cash. However, you can buy one that does not have so many amenities so that you can add the rest on your own.

Consider the selection. You should have a wide selection to choose from. You may be looking for something fully customized or one that is just a shell so that you can design the interior your own way. Whatever you want, you should be able to get it from the best dealer.

Once you have used the above tips to select a suitable dealer, you can then arrange the payment. Ask about the payment options available. You should also ask if they offers services, in case you do not have one close to your home.




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