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Car Drivers are now facing a New Problem called the “Lender Problem”

Mr. Smith was in a hurry to reach his office, but his car would not start. He checked the engine and concluded that there was no mechanical problem with the car. Suddenly, he realized that it was the “Lender Problem.”

What is the “Lender Problem”?

A car is suffering from the “Lender Problem” if the lender has disabled it because of the following reasons:

>> Car driver was falling behind on payments

>> The car was leaving the pre-approved driving area

How do Lenders disable a Car?

Lenders use a GPS-based device called ignition kill switch to stop a car from running. The device is a simple starter-interrupt switch that allows the lender to immobilize a car from a distance. He can simply use a computer or a smartphone to stop the car.

How are Car Drivers reacting to the Device?

Lenders have installed the device in approximately two million vehicles. The ignition kill switch has left car drivers outraged because it raises serious privacy questions. Following are the few problems caused to car drivers because of the ignition kill switch:

>> One Texan woman’s car was disabled by the lender when she left the pre-approved driving area. She was not going on a trip or a vacation but leaving to seek protection at a shelter for battered (assaulted) women.

>> Bolender family of Las Vegas faced the same problem when they had to take their daughter to the hospital. The car would not start because the lender had disabled it.

Why are Lenders installing the Device in Cars?

Lenders give the following reasons for installing the device:

>> It provides security

>> It makes repossession easy

>> It reduces the risk and enables lenders to provide loans to people with very bad credit score

>> Many investors demand it from lenders as it increases the safety of their investment

Even though car drivers are feeling insecure with the installation of ignition kill switches in their cars, lenders claim that they don’t disable the car without prior warning. If a car driver doesn’t make payments after repeated warnings, only then the lenders make use of the device.

What if the Lender wants to install the Device in your Car?

If you have a sub-prime credit score, your lender may insist on installing an ignition kill switch in your car. But, before you agree to the installation, check whether the use of the device is legal in your state. For example, Wisconsin has banned its use. You must also apply with other lenders to check whether you can avail an auto loan without installing any device in your car.

If you have no other option but to agree to the installation, you must discuss the following things with the lender:

>> In what circumstances will he disable your car?

>> How many warnings will be given before disabling your car?

>> Will you be permitted to take your car out of the pre-approved driving area during emergency?

How to overcome the “Lender Problem” successfully?

Even if the lender installs the ignition kill switch in your car, you can avoid the “Lender Problem” by staying on top of payments. You can make regular payments by undertaking the following pre-loan application tasks:

>> Calculate car budget and ascertain a monthly payment amount

>> Make down payment to make your payments affordable

>> Save money to make payments in rainy days

So, this is how you can overcome the “Lender Problem” and drive your car without any worry.

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Hydraulic Equipment: Usage & Importance of Routine Maintenance

The first thing that you might want to know is where are hydraulic tools being used. This isn’t something that is getting used at home a lot, except if you are running a business from home.

Most of the hydraulic tools are being used at construction, manufacturing companies, and building facilities. Where heavy equipment and products are produced or transported. There are smaller hydraulic tools that you are using at home. But, this isn’t the hydraulic tools that we are talking about. Today, we are talking about the huge tools, those that are costing thousands of dollars to get repaired or replaced.

The importance of getting your hydraulic tools serviced

Why is it important to get your hydraulic tools serviced regularly? Many think that repairing their tools as it breaks is a lot better than spending money on servicing something that isn’t broken in the first place.

One thing that they don’t consider is the fact that if they don’t service the tools on a regular basis, it is going to break down a lot faster. And, this means that repairs are going to be a lot more expensive. Or, it breaks beyond repairs and you need to replace it. With doing regular maintenance, you are making sure that the tools aren’t breaking and that you aren’t spending as much money on repairs as needed. The last thing that you want is to break the tools that you have paid so much money for, just because you weren’t servicing it on a regular basis.

Servicing the Hydraulic tools yourself, or hiring a professional?

Should you service the hydraulic tools yourself, or should you hire a professional who specialises in mechanical services? A question that you need to consider before you decide to service the hydraulic tools yourself.

If you have the right experience and qualifications, you can service the tools yourself. This is a great option to get qualified to service hydraulic tools if you are using these tools on a daily basis. It will ensure that you save a lot of money at the end of the day.

However, if you don’t have the experience or the qualifications you should not service the hydraulic tools yourself. You just might damage it more and then you need to repair or replace the tools. Costing you more money. Don’t do the servicing if you know that you can’t do it yourself. If this is the case, then seeking the services of a mechanical engineering specialist is the smart option.

Avoid costly repairs when it comes to your hydraulic tools

Yes, you can avoid costly repairs when it comes to your hydraulic tools. This is to take proper care of it. This is why servicing is important, why you need to use it carefully, and why you should purchase high-quality tools in the first place.

This is everything you need to know about hydraulic tools and servicing it. Taking care of your hydraulic tools means that it will be in good condition for a long time. And, you won’t need to replace it, or even spend thousands of dollars in repairing it. With a bit of care and getting it serviced regularly, your hydraulic tools will be in perfect condition.

CR Asia is a leading industrial maintenance and shutdowns specialist, providing a comprehensive range of services to the oil, gas, chemical, refining and power industries, including mechanical and plant maintenance services, mechanical engineering services, heat exchanger maintenance and cleaning services and more.

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Heat Exchanger Examinations

What are heat exchanger examinations?

Firstly, what is heat exchange inspections? This are inspections that are getting done on the heat exchange system in your home or even in your office. Many things can go wrong with a heat exchange system, especially if the system is old and not getting maintained very well.

These inspections should be done on a regular basis and need to be done by someone that has experience with heat exchange inspections and how different heat exchangers work. These examinations are making sure that there aren’t any damage, leakage, or risks of explosions of the exchanger.

The importance of heat exchanger inspections

It is extremely important to get heat exchanger examinations done on a regular basis. And, that it should be done by a professional with the right experience. In homes, there are small children, and families that can get seriously injured when a heat exchanger malfunction and cause an explosion or a leakage of hot water or steam.

The problem is that because these examinations cost money and most of the time require repairs, many homes, and office owners don’t get examinations done. They hope that the heat exchangers are still in good condition and that it won’t cause problems in the near future.

Things that should be examined with the exchanger

There are a couple of things that should be analysed with the heat exchanger. Firstly, al the valves need to be inspected. It needs to be inspected for leakage and valves that might be on the verge of breaking. The whole system needs to be examined for spots where leakage can start, or that already has started.

It is important to make sure that the whole system is examined to make sure that everything is working correctly and that there isn’t any blockage or any other problems that can cause the system to explode. Yes, this can happen under extreme cases, and when the system isn’t analysed on a regular basis. Places on the heat exchanger that might start to rust, or that aren’t in a good condition needs to be replaced. If anything isn’t according to the rules and regulations of having a heat exchanger, you won’t get clearance and certification about the examination.

Who should be doing these heat exchanger examinations?

No, this isn’t something that you can do yourself. You can go over the heat exchanger to see if there is anything that needs to be replaced before you hire an experienced heat exchanger maintenance specialist. But you can’t do the inspection yourself and think that the heat exchanger is in good condition and that you don’t need to worry about it any further.

The only way that you can say that the heat exchanger is in a good condition is if the inspector from a reputable mechanical services company has given you a clearance certificate.

Heat exchanger examinations. If you have a heat exchanger in your home or office, this is something that you need to do regularly. Especially before winter starts. With this guide and information, you will know why it is important to do the examinations on a regular basis and why you need to hire a professional inspector for the job.

CR Asia is a leading industrial maintenance and shutdowns specialist, providing a comprehensive range of services to the oil, gas, chemical, refining and power industries, including mechanical and plant maintenance services, mechanical engineering services, heat exchanger maintenance and cleaning services and more.

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