#clearlane

[agamholdings]

Utilizing turn signals while trucking enhances the overall professionalism of truck drivers. It demonstrates a commitment to safe driving practices and consideration for others sharing the road so that other drivers are able to clearly indicate their intention to change lanes, make turns, or merge into traffic.

[smithwarner]

Revisión de préstamos para automóviles de Ally Clearlane: capacidad para precalificar para préstamos de refinanciamiento

[fulltecnoweb]

Revisión de préstamos para automóviles de Ally Clearlane: capacidad para precalificar para préstamos de refinanciamiento

[raufnirsramblings]

So your story is like Harry Potter then with magic and houses and stuff?

Ok, I’ll turn this into a bit of an info-dump post, so I hope you don’t mind, and thank you for asking about my story, Weaver of Threads.

SynopsisCharacter watercolour and doodle sketchesMap of the worldExcerpt One: Tomas and Atla banter and Tomas sees Kae againExcerpt Two: Kae and Tomas play a drinking game as their friendship grows 

The Black Citadel is more like a university than a school like Harry Potter, and the staircases definitely stay in the same place… The ‘cloisters’ more like individual colleges within the wider umbrella of the institution (think Oxbridge or Durham or other similarly-structured universities), where Magisters teach students in their own houses in small tutor groups, with larger and broader lectures taking place elsewhere. When mages arrive as novices, they have usually had a well-rounded education already, and novices are usually between the ages of 14-16. 

Novice mages learn the basics of runic theory, which includes a lot of what might be comparable to our maths and physics, as they have to calculate the energy of a system, and the decay rate of the magic around the runic circuit, and that kind of thing. After their first year, they take their exams and those that pass go on to begin more practical study. 

Apprentices are usually between 16-18yrs old, and High Accepted are kind of like post-docs or grad students, studying one specialism in preparation for becoming a full Black Sister or Brother. 

Apprentices are those who have been raised to the colour-trimmed grey cloak, and they have chosen a cloister. Cloisters are like little microcosms within the larger institution, and they allow for more specialised study. Once a cloister has been chosen, they acquire a coloured hem to the cloak, and when they attain full black robes, they wear the colour of their cloister on the hem. Students pick an area of interest which is most closely aligned with a cloister:

Ankar - Yellow hem to black robe. Historians andphilosophers, they study the history of magic use, and tend to argue the ethicsof runic practice much more than using the runes themselves.Meakon - Purple hem to black robe. Black Brothers andSisters from this Cloister often end up in the highest circles of politics.They know the history of the Three Kingdoms like none other, and have avery good grounding in the politics and customs of other nations, and theystudy mathematics and economics too. Not much (rune) magic used. Mostlyscholars and diplomats with average rune-magic training.Furlocke - Orange hem to black robe. They are the drivers ofindustry and invention. They create all sorts of machines and systems includinglighting etc. for mages and nobles, safes, heating systems, etc. Heavy use ofrune magic and mathematics/physics.Clearlan - Green hem to black robe. Healers, botanists,agriculture, husbandry, all things to do with nature, healing etc. Includesworking on crops to produce better harvest, splicing, genetics, disease studyetc. Relatively heavy use of rune magic, mostly passive ambient runes thanactive circuitry.Berrion - White hem to black robe. Closely related toFurlocke, and the two used to be one cloister, but as Astronomy developed and astudy of the universe became more involved, they split and formed their own.They study the stars, the motions of the planets. Working closely with those inFurlocke, they are currently working towards producing the largest telescopethe world has seen.

The cloisters are quite fluid and open, but students must declare forone when they become apprentices. They can study any class from any cloister,as long as the classes of their own cloister are passed. Students failing theirclasses are not allowed to progress, and can only repeat a year/course of studyonce before being asked to leave the citadel altogether.

Apprentices who do not gain the black robe often set up shopas minor rune merchants. They require a license from the Citadel to do so, andare only allowed to sell runes which do not require active channelling (like the illuminators sticks that basically function as lightbulbs). Anyonecaught selling runes without a license, or using/selling runes which requirechannelling can be thrown in prison, have their livelihood removed, or eventheir hands cut off. The Citadel takes this very seriously, as runes aredangerous, and misuse will bring the Citadel into disrepute.

The Citadel also trains Greycloak warriors (which is what Tomas came to the citadel to do), who do not use magic or learn runecraft, but are there to study combat and strategy, and become elite warriors. When they earn the prestigious Greycloak, they acquire significant social standing and respect, and certain privileges in the Central Kingdoms/Three Kingdoms, of Galēa, Varden and Ahir. They are also respected abroad as well. Greycloaks often go on to take positions in royal courts right across the continent, and if they form a soul-contract with a mage, the two of them frequently find themselves in the employ of a noble or royal family as adviser or court mage, and master at arms, or even personal bodyguard. 

Hope that makes sense, and thank you for asking about it. I’ll post some more snippets soon I think, and maybe a map and some geo-political stuff if anyone’s interested. 

[themoneybuff-blog]

Clearlane Auto Refinance Review

Clearlane, an online auto lending platform thats powered by Ally Bank, offers auto loan refinancing and lease buyout options for borrowers with nearly any type of credit score. They do so by utilizing a nationwide finance network and offering fast and easy online quotes. They even let you get pre-qualified online and without a hard inquiry to your credit report. If youre curious about refinancing your car or buying a car youre leasing, this online lender may be exactly what you need. Keep reading to find out how Clearlane works, where it falls short, and why you might want to consider it. Clearlane Auto Refinancing: Key TakeawaysRefinance your current auto loan or borrow through Clearlane to buy out your lease.Use your Clearlane loan to purchase a new or used car.You dont have to share your Social Security number to get pre-qualified.Get loan quotes from multiple lenders in one place.Interest rates run from 3.64% to 21.9%.Borrow between $5,000 and $100,000. Check Your Personal Loan Rates Answer a few questions to see which personal loans you pre-qualify for. The process is quick and easy, and it will not impact your credit score. Clearlane Auto Refinance Review: Solid Auto Loans for All Credit Types If you currently have an auto loan with a less than stellar interest rate, you may want to consider refinancing your car loan with a company like Clearlane. According to stats from the lending platform, refinancing an auto loan saves the average consumer $107 per month and $1,687 in interest over the life of their loan. Of course, those savings are predicated on qualifying for a lower interest rate with Clearlane. While the company does offer rates that start at 3.64%, keep in mind that the best rates and terms only go to consumers with excellent credit. If your credit is poor or just okay, its likely youll pay more than the lowest advertised rate. Then again, refinancing could still be a great deal, but only if youre able to secure a lower rate than youre paying now. Thats why auto loan refinancing is usually best for consumers who have improved their credit substantially since they first took out their car loan. With a better credit score, Clearlane and other auto refinancing companies may be able to get you into a new loan with a lower monthly payment and better terms. In addition to auto loan refinancing, Clearlane also lets you use their loan to buy out your lease. And with either option, you can get pre-qualified online without a hard inquiry to your credit report. Clearlane also offers auto loans for new or used vehicles, although cars must be less than 10 years old. Their loans also come with no application fee or hidden fees. What to Watch Out For Clearlane does offer some low starting rates on their auto refinancing and lease buyout loans but keep in mind that these loans arent for a new car purchase. Clearlane does offer auto loans for consumers who want to purchase a vehicle, but you cant apply for them on the Clearlane website. Another downside of Clearlane is the fact that they dont originate any loans themselves. Instead, they work as a loan marketplace that connects users with a nationwide network of banks and lenders. Thats not necessarily a bad thing, but youll need to do some research on any lenders you might end up connecting with once you get pre-qualified. Another thing to consider: Any time you refinance a loan to get a lower payment, you could be extending your repayment timeline in the process. If you choose to refinance your auto loan with Clearlane or any other company, make sure to keep that in mind. You may want to score a lower monthly payment, but perhaps not at the cost of paying on your car loan for several more years. As a final downside, Clearlane doesnt offer any specific eligibility requirements for their loans. This lack of transparency makes it difficult to know if youll qualify, although they do let you get pre-qualified without a hard inquiry on your credit report. Who Clearlane Auto Loans Are Best for:Consumers who have auto loans with high interest rates but may be able to qualify for a new loan with better terms.Anyone in a lease who wants to purchase their vehicle.Consumers with good credit who can qualify for Clearlane loans as low as 3.64% APR.How We Rate Clearlane Auto Loans At The Simple Dollar, we aim to provide a general overview of a lenders products and services through a standard rating process. After a thorough research and discovery period, heres howClearlane stacks up: Clearlane at a GlanceOverall Rating Affordability (interest rates, fees, and terms)Availability (credit requirements, geographic reach)Ease of UseTransparencyHow to Apply for Auto Refinancing with Clearlane Clearlane makes it easy to apply for auto refinancing or a lease buyout through their website, and they even let you get pre-qualified by offering only your auto details, loan payoff amount, your name, your birthday, your email, address, and your annual gross income.

Once you get pre-qualified, you can look at a selection of loan offers tailored to your unique borrowing needs. If you dont like your options, thats perfectly okay. But if you do, you can move forward with the full loan application by including more details such as your Social Security number, housing payment amount, and employment information. If youre approved, you may receive your loan funds or have them applied to your old auto loan within a few business days. The Bottom Line Refinancing an auto loan can make sense if your current loan isnt that great. Its possible your credit score and financial standing have improved enough that you could qualify for a better deal, so why not give it a try? Still, there are a lot of lenders that offer auto refinancing and lease buy-outs, and you should definitely consider more than one. Make sure to see how auto lenders stack up in terms of the interest rate you can qualify for and any fees they charge before you move forward. Related: https://www.thesimpledollar.com/loans/reviews/clearlane-auto-refinance-review/

[jdmrc93]

The best way to bypass security lines! #Clear #ClearLanes #ClearMe #TSA #TSAPreCheck (at Delta Terminal - Detroit Metropolitan Wayne County Airport)

[omgrefinanceautoloan-blog]

Best company to refinance auto loan with bad credit

What is the best company to refinance auto loan? The rates and conditions offered by different lenders for different types of lending may be different. If you want to have the best conditions, you must first evaluate the terms of the credit opportunity and compare them with the conditions you expect. In particular, loans with low-interest rates and long maturities are frequently preferred in recent years. It is very important for you to have detailed research, to learn about the different loans in the market and to learn the requirements of the auto loans. The advantages of loans can be extremely important. Keep in mind that credits may have different requirements. For example, some banks expect their customers to have a very high credit score in order to offer an advantageous car loan. So, if you are not satisfied with your credit terms, what should you do? Also, do not accept the credit in question and use the refinancing auto loan option. So, what is the best company to refinance auto loan with bad credit? This article will try to find the answer to this question.

Best company to refinance auto loan

Here the best auto loan companies: Bank of America: If you have a dream of buying a new car and you have a very low budget for it, Bank of America can be a great choice. Moreover, the most advantageous refinancing loan company in terms of maturity, interest rate and general policy conditions is known as the Bank of America. The loan interest rate offered by the bank starts at 2.74%. In addition, the car loan offered by the bank can be used in 50 different states of America. APR rates of loans start at 2.74% APR. For loans given for a used vehicle, this rate is 3.04% APR. Clearlane by Ally Bank: People who choose this institution are usually the ones who are evaluating refinancing auto loan alternatives. In addition, this loan agency offers interest rates between 3.99% to 10.24% for different auto loan alternatives. The minimum FICO requirement ratio of credits is known as 600 points. Therefore, this bank is known as the best company for refinancing auto loan. Capital One: Capital One is active in many countries around the world and has some very advantageous service packages. Furthermore, car loans to be used have interest rates ranging from 4.53% to 12.55%. Maturity periods for these loans are also extremely high. Those who are interested in auto loans for bad credit often prefer Capital Oe. Because the minimum FICO requirement ratio of this institution is 500. LightStream: The interest rates of the car loan alternatives offered by this institution range from 3.99% to 8.34%. Also, if you want to take advantage of these credits, you must have a minimum FICO score requirement of 660. This institution serves in a total of 50 different states. Read the full article

[stephenlevy]

Clearlane Auto Refinance Loans: 2018 Review

Clearlane Auto Refinance Loans: 2018 Review https://ift.tt/2MGKJRd

[demikbrayus]

Clearlane Car Loans Review

From Ally Bank, a prominent online banking institution, comes Clearlane, a nationwide finance network that matches auto borrowers with a variety of loan products. Clearlane isn’t a direct lender, so you can find offers from multiple financial institutions and compare the loan terms.

Network partners include national, regional, and local finance providers, helping people across the country meet their auto financing needs. Clearlane’s online process makes it quick and easy to get pre-qualified, so you can shop for a vehicle knowing what kind of financing to expect. You can also refinance an existing car loan through Clearlane’s partner network, or complete a lease buyout.

Learn more about Clearlane’s loan matching process and how to get started today.

Car Loan Application Requirements

Clearlane doesn’t list any specific application requirements since it works with a diverse range of lenders. However, there are five factors considered by Clearlane’s lender network when determining both your approval and your rates and fees. They are your:

Credit profile

Collateral

Location

Equity

Debt-to-income ratio

Like any other loan, your credit score impacts your interest rate and loan term. Collateral refers to the amount of down payment you have to put down; generally, the higher down payment you make, the better loan terms you’ll receive because you’re financially vested in the loan. The state you live in also may affect how high of an interest rate you can be charged.

When refinancing, the amount of equity you already have in the car also impacts your application. Finally, for all auto loans, your debt-to-income ratio determines how much you can borrow based on your monthly earnings compared to your monthly debt obligations.

Types of Auto Loans Available

There are three distinct types of car loans available through Clearlane: refinance, lease buyout, and purchase. Find out what to expect for each loan type when working with Clearlane.

Refinance

According to Clearlane, their customers boast an average monthly savings of $112 when they refinance through this loan broker.

So how does the refinance process work?

If you get approved during the pre-qualification process, you can potentially view multiple offers for a new auto refinance deal. If one of those offers looks like a good fit, you can submit a formal application directly to the lender.

They’ll give you a list of required documents to upload and then they’ll verify your application. Once the verification process is complete, you can review your loan documents, sign your loan agreement, and finalize the refinance process. Your new lender pays off your loan balance with your original lender. Then you start fresh with loan payments reflecting your new rate and terms.

Just know that even if you save money every month, you could end up paying more in interest if you extend the life of your auto loan. You simply need to weigh the pros and cons of each option to determine the right one for you.

Lease Buyout

A lease buyout allows you to purchase the car you’re leasing rather than turning it in. Again, you can get pre-qualified for this loan type as well, so you can preview rates before getting a hard credit check. Once you review those offers and select one, you can formally apply through your chosen lender. Simply upload some documents and sign your loan agreement to finalize the lease buyout.

Purchase

Clearlane makes the car buying process much easier; and what’s better is that you can complete a lot of the leg-work before you go into a high-pressure sales environment at your local dealership.

Here’s how it works.

You can start by either getting pre-qualified first or by searching for a vehicle first. Input your zip code to see what kind of inventory is available at local dealers near you.

No matter what order you decide to go with, you can go into a local dealer better equipped to negotiate because you’ve already been pre-qualified for your car loan. The online process is fast, simple, and best of all, you can take advantage of wholesale rates that could potentially save you a lot of money compared to other options.

Fees and Rates

It’s hard to pin down fees and rates since Clearlane is a matching service, not a direct lender. The service itself is free to use. Once you apply for a car loan, refinance, or lease buyout, you should carefully review the terms and conditions of your financing offer to understand all of the costs involved.

Just like any other type of loan, a car loan hinges greatly upon your credit score. Some lenders, however, use credit scoring models that are more specific to auto loans. FICO, for example, is the biggest credit scoring company out there. They offer a FICO Auto Score that puts more weight on your previous history paying back car loans.

This information, paired with your traditional credit score and income, have a huge bearing on what kind of interest rate you can expect to pay with your next car loan. Since Clearlane provides a pre-qualification without performing a hard credit pull, it’s easy to find out what kind of APR you can expect through their lender network.

Clearlane’s Application Process

The application process is fairly similar whether you’re using Clearlane for a refinance, lease buyout, or purchase. You can pre-qualify without entering your social security number or impacting your credit report and score.

Initially, any information regarding your application is communicated through Clearlane. After that, however, you’ll work directly with your new lender to begin making payments on your auto loan.

Special Features

Clearlane’s biggest winning feature is the fact that you can get near-instant quotes on your next car financing product. Another plus is that you can save your application if you don’t finish in one sitting. When you’re ready, you can simply log back on and start right where you left off at a more convenient time.

Bottom Line

Clearlane is backed by one of the nation’s largest online banks. That gives it some automatic clout because they have the size and technological capabilities to make the car loan process as easy as possible. You can shop for vehicles in your area and also get instantly connected to lenders who cater to your exact borrower profile.

Whether you have excellent credit or challenged credit, it’s likely that you can find the auto loan you’re looking for with Clearlane’s financial partner network. Plus, it’s a risk-free way to compare offers no matter what stage of the buying process you’re in right now.

The post Clearlane Car Loans Review appeared first on Crediful.

from Credit And Credit Repair https://www.crediful.com/auto-loans/clearlane/

[10bale]

Ally Financial, Fair link on financing, auctions

Ally and Fair have joined to offer consumers online vehicle financing through Ally's Clearlane, while Fair will send its off-lease cars to Ally's SmartAuction.

Source: http://www.autonews.com/article/20180410/FINANCE_AND_INSURANCE/180419951/ally-financial-fair-link-on-financing-auctions

[kishablyons]

Car loan refinancing in 3 steps

A car is often the second largest loan the average Canadian has; the first being a house loan. Refinancing your car loan can save you thousands of dollars if done right according to our source, macombdaily.com. We will source the article below so you can read their entire article here for your convenience.  Before we provide you with tips about your car, you should attempt to not have a car loan. Often Canadians buy cars with making a budget which can lead to you being in car debt for four to seven years. Loan Away advise spending a maximum of 15% of your net income on transportation. This includes car insurance, car payments, gas, and maintenance like weather tires. If you are spending more than 15% you should refinance your car loan or get a car that is within your budget. With all that being said, let’s get into macombdaily.com guide to refinancing your car loan.

   3 reasons to consider refinancing your car loan

Most people know they can refinance their mortgage, but less than half are aware that they can also refinance their auto loan, according to a study by Harris Poll for Ally Financial. It’s a simple task that could reduce your car payments by about $1,300 a year.

The following considerations can help you determine whether refinancing your auto loan is the right step for you.

• Interest rates: Can you reduce your monthly costs by lowering your rate? Compare your current interest rate to those advertised. Keep in mind that there are several aspects of your financial history that may have impacted your interest rate for a loan, including credit score and credit history. If your credit score has significantly increased since you financed your vehicle, it may be time to refinance to a lower interest rate.

• Tight monthly budgets: If you need to make some room in your budget due to changing life circumstances or simply have a desire to sock more money away into savings, refinancing your auto loan is a move that may have a substantial impact on your finances. For example, those who have refinanced their vehicles through Clearlane, Ally’s online auto financing platform, have reduced their monthly payments by an average of $112.

• Reducing the term: Another reason many choose to refinance is to reduce the number of payments they will have to make, with the goal of reducing the total amount of interest paid over the course of the loan. This may appeal to you if you can now afford a higher monthly payment than when you purchased your vehicle, thanks to a raise or new stream of income.

If you choose to refinance, be sure to review your loan agreement and terms to make sure you understand your current loan. You should also be aware of any costs that could be incurred by refinancing or changing the terms of your loan.

 Did you find the article informational? Employees at Loan Away sure did. Three employees are keen to refinance their vehicle to better suit their budgets. Some are going to have fewer payments and pay off the loan faster, while others are extending so have more disposable income. This decision is based on your current financial situation. If you have an extra $100 each pay, you should consider using that money to pay off your debt instead of saving it in a saving account. Saving accounts often have very low interest while car loans can be more expensive. Before anyone starts saving thousands of dollars, it is recommended to pay off your debts first. Saving and investing should always come last. Here are the steps you should follow.

Paying off any high-interest debt ( Car loan, credit cards, etc)

Creating an emergency fund of 3-6 months salary

Pay off low-interest debt ( Student loans, mortgage, etc)

Investing/saving

Very simple to follow right? If you are unsure how to invest, there are several investing great books available for your needs. If you enjoyed this post, share it to help the Canadian economy become more aware and educated on their car loans.

The post Car loan refinancing in 3 steps appeared first on Loan Away.

Car loan refinancing in 3 steps published first on https://loanaway.blogspot.com

[darrylhchapell]

Car loan refinancing in 3 steps

A car is often the second largest loan the average Canadian has; the first being a house loan. Refinancing your car loan can save you thousands of dollars if done right according to our source, macombdaily.com. We will source the article below so you can read their entire article here for your convenience.  Before we provide you with tips about your car, you should attempt to not have a car loan. Often Canadians buy cars with making a budget which can lead to you being in car debt for four to seven years. Loan Away advise spending a maximum of 15% of your net income on transportation. This includes car insurance, car payments, gas, and maintenance like weather tires. If you are spending more than 15% you should refinance your car loan or get a car that is within your budget. With all that being said, let’s get into macombdaily.com guide to refinancing your car loan.

      3 reasons to consider refinancing your car loan

Most people know they can refinance their mortgage, but less than half are aware that they can also refinance their auto loan, according to a study by Harris Poll for Ally Financial. It’s a simple task that could reduce your car payments by about $1,300 a year.

The following considerations can help you determine whether refinancing your auto loan is the right step for you.

• Interest rates: Can you reduce your monthly costs by lowering your rate? Compare your current interest rate to those advertised. Keep in mind that there are several aspects of your financial history that may have impacted your interest rate for a loan, including credit score and credit history. If your credit score has significantly increased since you financed your vehicle, it may be time to refinance to a lower interest rate.

• Tight monthly budgets: If you need to make some room in your budget due to changing life circumstances or simply have a desire to sock more money away into savings, refinancing your auto loan is a move that may have a substantial impact on your finances. For example, those who have refinanced their vehicles through Clearlane, Ally’s online auto financing platform, have reduced their monthly payments by an average of $112.

• Reducing the term: Another reason many choose to refinance is to reduce the number of payments they will have to make, with the goal of reducing the total amount of interest paid over the course of the loan. This may appeal to you if you can now afford a higher monthly payment than when you purchased your vehicle, thanks to a raise or new stream of income.

If you choose to refinance, be sure to review your loan agreement and terms to make sure you understand your current loan. You should also be aware of any costs that could be incurred by refinancing or changing the terms of your loan.

  Did you find the article informational? Employees at Loan Away sure did. Three employees are keen to refinance their vehicle to better suit their budgets. Some are going to have fewer payments and pay off the loan faster, while others are extending so have more disposable income. This decision is based on your current financial situation. If you have an extra $100 each pay, you should consider using that money to pay off your debt instead of saving it in a saving account. Saving accounts often have very low interest while car loans can be more expensive. Before anyone starts saving thousands of dollars, it is recommended to pay off your debts first. Saving and investing should always come last. Here are the steps you should follow.

Paying off any high-interest debt ( Car loan, credit cards, etc)

Creating an emergency fund of 3-6 months salary

Pay off low-interest debt ( Student loans, mortgage, etc)

Investing/saving

Very simple to follow right? If you are unsure how to invest, there are several investing great books available for your needs. If you enjoyed this post, share it to help the Canadian economy become more aware and educated on their car loans.

The post Car loan refinancing in 3 steps appeared first on Loan Away.

Car loan refinancing in 3 steps published first on https://loanawayblog.wordpress.com

[blackpjensen]

Ice Control For Wooden Decks

Residential clients will sometimes ask for the snow management professional to not only take care of the driveway and sidewalks, but also clear their deck during a storm. Wood and composite decking will react differently to deicing than the property’s concrete or stone sidewalks. These PlowSite members discuss their experiences with deicing wood decks.

flakesmeangreen: What’s the safest ice control to use on wooden decks? I know rock salt isn’t good for it, but I don’t know what is.

Mike Nelson: We have been doing 350 condo units all with wooden steps for years. We tried sand/salt, but the sand made a mess (tracking in the units). So, we went to straight salt. We also found out that the wooden steps would freeze before the roadways or our concrete walks. You could use treated salt (Iceban or Magic) or maybe try liquid applications (Iceban, Magic, Clearlane, etc.)

G.Williams: We use calcium chloride, it really melts well. It’s a little costly but works like a charm. Plus, it will melt to -20 below zero.

Taconic: The only problem with using calcium on wooden steps or decks is that it will take all the moisture out of the wood and can promote cracking on the deck because the wood shrinks and expands more than usual.

Mower For Less: I have a customer with a new wood deck, just built this summer, and has not stained or sealed it yet. It was built with regular pressure treated lumber. My question/problem is that the customer wants me to use an ice melter on it, but I don’t want to damage the deck. I have told them my fears and the reasons for them. I told them I will do it if they want, but they have to realize the damage it can cause to the deck. What I want to ask is, do you think calcium chloride on a new untreated deck will be OK? Would magnesium chloride be better? Would you think a stained/sealed deck would have better resistance to the damaging effects of the ice melter?

h_riderca: I usually shovel the snow off the deck and then let nature do the rest. After I shovel the snow off my cedar deck, the sun will melt what is left on the deck boards.

Mick: I put down Magic Salt before it snows. It’ll melt snow as it falls and keep it from bonding to the deck. Then just peel off anything it doesn’t melt. A few years ago, one application melted the first three snowfalls because it only snowed an inch or two at a time.

Mower For Less: Does this have any adverse effects on the deck? This customer is a year-round customer who I also do lawn, hedges and cleanups for. So I really want to be careful about the possibility of damaging their new deck.

Andy N.: Just tell them the adverse effects of it, have them sign off on it and do it. If they want it done that bad, just do it.

Grn Mtn: Andy is right, have them sign a letter that says “I, the customer, understand that using ice control products on my new, untreated deck will most definitely ruin it, but I don’t care because I like wasting money, and using sand is just too messy.” Then take their money with a smile and get into the decking business on the side.

Mower For Less: You suggest I word the letter just like that, do you? LOL. I went to salt last week, and I noticed they had applied their own salt to the deck, so I am just going to run with that, and they can ruin it on their own. I would much rather sell new deck board, having them think it was their fault, than sell a deck repair thinking it was my fault.

butler L&S: I do a townhouse complex that has wooden steps and a deck leading to the front doors and I use calcium chloride. Over time, the nails have started to pop up (major pain when shoveling). Other than that, the wood has held up well. Last year they started replacing and rebuilding many of these decks and I made sure they used screws. If the wood is treated regularly you should be OK using calcium chloride in my opinion.

Stumper1620: Just get a pressure washer to sell a deck wash in the spring, get the white salt lines out of the wood, pound the nails down or tighten the screws whatever it has holding it and go for it. Won’t hurt the wood, just stains it. Wash, wait a day and convince them to seal it.

Longae29: Is Magic Salt still the way to go, or has there been a new product introduced that would be more effective? According to their website, the closest dealer to me is about 40 miles away, if there is another product anyone could recommend it would be awesome. The customer calls the wood area a boardwalk. I’m not going to be able to use a ATV with a plow, but a small Toro snow blower should be OK.

Luther: Come on … what’s wrong with a plastic snow shovel?

Longae29: I’m pretty sure most of our sidewalk guys have no idea what a shovel looks like. I’m not that worried about the clearing of it, it’s only a 150-foot stretch. I’m more concerned about what to use to make it not slippery.

Luther: No matter what you go with, the concern would be how it affects the metal framing around the windows and railing (and the wood). Maybe you can also sell them on a product that you can apply to the framing to protect it for any corrosion before winter sets in.

Grn Mtn: Using a Toro or similar paddle-bladed snow blower is an excellent choice. They (the paddles) don’t harm the deck, yet clean it to the wood, making the chance of slipping reduced greatly. Using a liquid deicer sprayed from a pump sprayer will certainly help with any remaining ice, but as you already know this will cause the wood fibers to degrade more rapidly. How about talking with the property management and set up a signage program alerting users of the boardwalk that deicing will only be done in extreme cases and to walk with care?

Longae29: That’s what I figured about the paddle-bladed type. We haven’t dabbled that much in liquids, I did a bit more research, and from what I found I think magnesium chloride is my best bet, which is good because we have five or six pallets of it left from last year, so that’s what I used in my bid.

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[westernmanews]

WESTFIELD, Mass. (WWLP) – Smaller winter storms, like the one we are seeing Tuesday, are certainly keeping salt trucks busy. No matter how much snow or ice falls, the plows and salt trucks have to be out working.

Westfield’s Department of Public Works uses a de-icing product called: “ClearLane enhanced de-icer.” It contains a pre-wetting agent and color agent, which sticks to the road surfaces faster and more effectively than dry salt. That minimizes the loss of de-icer from wind and traffic.

Because of the somewhat mild winter we have been having, Westfield has enough salt so far.

“We have a salt shed and we try and keep it full for the season, and we might need to fill it a couple times. But these last two seasons have been a lot more mild, which we’re fortunate because three years ago, we couldn’t get the salt we needed,” Deputy DPW Superintendent Casey Berube said.

In just the past year, Westfield has developed a program that allows the DPW to track their plows, and also track their cost per hour.

[demikbrayus]

Best Auto Loans of 2018

This article first appeared on aaacreditguide.com at AAACreditGuide.

When you’re ready to buy a new car, you typically have two options: pay in cash or take out a car loan to cover the bill.

While we’d all like to have the funds to cover this purchase without a loan, that’s simply not a reality for most people in need of a vehicle. This is especially true if you want reliable transportation that lasts for more than just a few years.

If you’re looking for an auto loan in the coming months, there are countless options available to choose from.

You can find online lenders, traditional lenders, and even lenders that specialize in bad credit borrowers. To get started, check out our up-to-date top picks for the best auto loans in 2018.

Best Online Auto Lenders for Good Credit

MyAutoLoan

MyAutoLoan provides multiple loan product types, so it’s an ideal option if you need something beyond a straightforward car loan. For example, you can refinance an existing loan, get a lease buyout, or even get a loan for a third party purchase.

MyAutoLoan also gives you access to several handy tools to help you decide on the best loan product. There’s an interest rate chart that’s updated daily so you can see where rates are headed.

You can also get a customized interest rate estimated by providing your desired loan amount, credit score or category, and zip code. That’s extremely helpful information when determining how much car you can afford.

Once you’ve got your ballpark interest rate, you can use the auto payment calculator to figure out your estimated monthly payment. However, your minimum loan amount must be $8,000 and you must earn at least $1,800 each month.

Visit MyAutoLoan

LendingTree

LendingTree allows you to shop around and compare auto loan offers from multiple lenders. You’ll find options for new cars, used cars, refinancing for existing car loans, and even lease buyouts.

You can also get approved before you start shopping for a car, so you know exactly what your budget is and how much you’ll pay each month.

Shorter repayment periods and high credit scores are rewarded with LendingTree. For a new car, you could qualify for a 36-month loan as low as 1.85% APR if you have an 800+ credit score. With a 695 credit score and a 60-month loan term, LendingTree advertises an APR of 3.19%. Of course, your down payment amount also factors into the equation.

To see exactly what kind of auto loan you qualify for through LendingTree’s network of lenders, you can compare offers for free. And if your payments are higher than you’d like because of your credit score, you can always refinance later down the road, if that makes the most sense for you.

Visit LendingTree

CarsDirect

CarsDirect accepts borrowers of all credit types, so it’s an easy one-stop shop for anyone looking for an auto loan. They’ve been in the business for nearly 20 years and have helped 5 million customers in that time.

The application takes as little as 60 seconds, and once you submit it, you’ll receive multiple offers from various lenders. That’s a bonus for some people because you can compare loan products without filling out countless applications.

On the downside, however, you may have to deal with many lenders trying to contact you about a loan. The good news is that there’s no limit to how much you can borrow through CarsDirect. Because they partner with multiple lenders, you can find a loan matching your exact criteria for as large or small a loan as you’d like. You can also shop for cars directly on the CarsDirect website.

Visit CarsDirect

Clearlane

Clearlane, formerly known as Blue Harbor, is best known for its competitive refinance rates, but you can also get loans for a new or used vehicle. They are powered by Ally Bank.

When refinancing, the company says that customers on average lower their monthly car payments by $101. In fact, their refinancing rates start at just 2.49% APR. However, this doesn’t take into account whether or not the loan term is lengthened.

After all, even with a lower payment each month, you could end up paying more in interest if the repayment period is longer than your original term. But if you’re having trouble meeting your monthly payments, it could be a better option than defaulting on your car loan or any other financial obligations.

Clearlane also offers lease buyouts and private party loans, giving you plenty of options for purchasing your next car.

Visit Clearlane

Best Traditional Auto Lenders for Good Credit

Bank of America

Bank of America is also a large financial institution advertising low rates. Of course, your specific rate depends on your credit history, where you live, and other factors, but it’s a good place to begin.

New car loan rates start at 2.74% APR, used car loan rates start at 3.04% APR, and auto loan refinances also start at 3.04%.

If you bank with Bank of America and are enrolled in their Preferred Rewards program, you can receive rate discounts ranging from 0.25% to 0.50% depending on your membership level.

Another great feature from B of A is that you can get a 30-day rate lock. So if you know you need a car but want to take your time and shop around, this gives you the flexibility to do so without stressing about rising interest rates.

Visit Bank of America

Wells Fargo

Wells Fargo is another bank providing relationship discounts for existing customers seeking a car loan.

But even if you don’t currently bank with Wells Fargo, you may still find competitive rates and a fast decision on your application. Rates start as low as 3.12% APR. You also get a variety of options, including private party loans and lease buyouts.

Plus, loans can be closed within 24 hours. Just have some basic information on hand, including your social security number and information to verify your employment and income details. You can also add on a co-applicant who has better credit than you if you want to qualify for better terms and lower your monthly payment.

Visit Wells Fargo

Chase

Chase is unique in that it provides both loans and a car buying service by partnering with TrueCars. In fact, customers save an average of $3,106 off the MSRP.

You also get to see what other people paid for the same car, to give you an idea of what kind of deal you’re getting. If you don’t want to shop online for a car, you can just get a straightforward auto loan for a new or used vehicle.

Chase’s online portal lets you calculate payments and check on the status of your application. One thing to note is that the credit decision and closing processes differ depending on whether or not you’re currently a Chase customer. Look into those details before making a decision, particularly if you don’t have a Chase account of some sort.

Visit Chase

U.S. Bank

U.S. Bank boasts car loans with rates as low as 2.87% APR. This exact rate may not last forever, but it gives you an idea of the type of deal you can get with this lender.

You can get a loan for either a new or used vehicle, and can also refinance your current auto loan. A major bonus is that there is no down payment required, which is helpful if you’re cash-strapped at the moment.

You can also get a discount when you take out a green auto loan, covering any new or used car that is an EPA-certified SmartWay vehicle. For any vehicle you choose, it must be no more than six years old with a maximum of 100,000 miles logged. One of the convenient things about U.S. Bank is that you can apply online, over the phone, or in person.

Visit U.S. Bank

Best Auto Lenders for Bad Credit

Auto Credit Express

Not only can you qualify with poor credit at Auto Credit Express, you also face fewer restrictions on the type of care you can finance. For instance, there aren’t any age or mileage requirements, so you can get a car as old as you want.

You may also qualify for a $0 or low down payment amount, unlike many other lenders. However, you do need to meet a few basic qualifications, including a pre-tax monthly income of at least $1,500. You’ll also need to answer a few questions about your employment so they can confirm your income is steady enough to cover your monthly payments.

Visit Auto Credit Express

Capital One

Capital One accepts borrowers with less than perfect credit, but there are some standards your new car must meet. Mileage cannot exceed 120,000 and it must be no older than a 2007 model.

Loan amounts range from $4,000 to $40,000 so this is not the place for expensive luxury purchases or an extremely cheap deal. Additionally, Capital One only provides loans for new or used cars. If you want to buy out your lease or finance a purchase from a private party, you’ll need to look elsewhere.

Visit Capital One

Blue Sky Auto Finance

Rather than serving as a direct lender, Blue Sky Auto Finance aggregates multiple loan offers after you complete a single application.

All of their partnering lenders work with bad credit borrowers, so more than likely, you’ll find at least one match, especially if your credit score is at least a 550.

If your credit is under 652, you are required to show proof of income totaling at least $1,800 per month. In addition to relatively lax credit requirements, Blue Sky finds lenders who don’t require any money down for a loan. The maximum loan amount is $30,000, giving you a variety of options when it comes time to pick a car.

Visit Blue Sky Auto Finance

How to Pick the Best Auto Lender

Even if you’re in a rush to purchase a car, don’t automatically accept the first loan offer you receive. Take some time to sit down and thoughtfully weigh all of your options.

After all, this is a decision that will impact your finances for the next several years. There’s no need to go so fast that you end up missing out on the best loan experience. Here are a few tips to get you started with the loan process.

Set a Timeframe to Search

Whether your last car broke down yesterday or you’re simply looking for an upgrade in the next few months, give yourself a set timeframe to get a new car loan. Depending on how a lender’s decision process works, your pre-qualification or pre-approval may require a hard inquiry on your credit report.

If you’re shopping for the same loan type over the course of a month or so, each inquiry will most likely be lumped together as one since you’re clearly comparison shopping. If it’s spread out too long, however, your score could take a big hit, with each inquiry costing you around five points.

Another reason you want to give yourself a timeline is because of interest rates. If you get an estimate on your interest rate in the spring but wait until the fall to make a purchase, you may be in for an ugly surprise.

Interest rates are on the rise for all loan types, and while there’s no way to predict their exact trajectory, you likely won’t qualify for the same rate if you wait too long. That means you’ll either have to pay a higher monthly payment for the same car or purchase a less expensive vehicle just to keep your payment at the original price.

Select Your Loan Type

When searching for auto lenders, you can first narrow them down by the type of loan you need. You can tell after reading the reviews above that some lenders only offer loans for new and used vehicles from dealers. If you want to finance a vehicle from a private party, make sure you’re comparing a pool of lenders that actually offer that service.

The same holds true for refinancing an existing car loan and for buying out a leased vehicle. There’s no sense in getting quotes from a lender that doesn’t even provide your loan type, no matter how low their interest rates seem.

Compare Interest Rates and Fees

Speaking of interest rates, no two lenders are likely to offer you the exact same terms. You need to not only compare the interest rate, but also the APR, which incorporates any type of fee, such as an origination fee. Not only that, think about the length of the loan. One loan might offer a lower interest rate but last two years longer than another loan.

If you can afford both payments, which one will save you the most money over time? Does a lender charge any other fees, such as a check processing fee? How are origination fees paid for? These are all questions you need to ask to avoid any unpleasant surprises once the loan is fully processed.

Consider the Application Decision Timeline

Finally, remember to consider how long the application decision takes and how long it takes to get your funds in the bank. Even if you don’t need a car right away, this information is vital for you to plan when you can actually get the keys to your new vehicle. Most online lenders boast a quick application process, so delve a little deeper to get the actual details.

Even if you get a credit decision within moments, find out how long the underwriting process takes. If the lender boasts same day or next day funding, figure out what you need to do on your end to make that happen. In most cases, you’re responsible for providing income verification documents and signing a loan agreement before any funds can be released.

from Credit And Credit Repair https://aaacreditguide.com/best-auto-loans/

[blackpjensen]

2017 Product Roundup: Deicing And Application Equipment

SYNATEK Deicing Solution Entry is a new biodegradable deicing solution based on BASF’s formic acid. Potassium formate removes thin layers of ice, and prevents new snow and ice from accumulating. At a 50-percent concentration, the freezing point is reduced to approximately minus 63 degrees Fahrenheit. The low Chemical Oxygen Demand minimizes oxygen depletion of surrounding soil and surface water.

HIGHCOUNTRY Walk About 2 The Walk About 2 is a new liquid deicer sidewalk spreader from HighCountry. The frame is all welded aluminum for strength and weight reduction. No batteries and no pumps for less maintenance worries. The unit features a large 5-gallon capacity and gravity feed. It is designed to work with all deicing liquids according to the company.

PROMELT Magic Salt Magic Salt by ProMelt starts to work immediately, is longer lasting and delivers results at temperatures as low as -25 degrees Fahrenheit. Treated with the Magic -0 by ProMelt liquid, Magic Salt has earned the EPA “Safer Choice” Design for the environment designation. It is available in easy to handle and store 50-lb bags.

BOSS SNOWPLOW QuickCube The new QuickCube is a unique new skid-steerbased salting system. It utilizes weather-proof, poly cubes (hoppers) that can be filled with solid deicing materials and staged at job sites in advance. A fork-shaped spreader assembly is attached to the skid steer with a universal attachment system to pick up the filled cubes, move them and spread salt.

EASTERN FARM MACHINERY Snowline MINI60 The Snowline MINI60 walk behind spreader holds up to 2 cubic feet of wet sand, sand/salt or ice melter. Spreading width is 24 inches. With its changeable cams and adjustable flow control, accurate and even application rates are ensured and product waste is minimized.

HINIKER Hiniker SS600 and SS1000 The new Hiniker SS600 and SS1000 stainless-steel tailgate spreaders feature an in-cab variable- speed controller with blast control. The bubble auger design means the flow stops when the auger stops. Stainless-steel hoppers are available in 6 and 10 cubic foot capacities. A swing-away hitch for the unit is optional.

SNOWEX V-Maxx G2 The new V-Maxx G2 hopper spreaders from SnowEx include eight different V-box models ranging in capacity from 1.5 to 6 cubic yards. The digital, self-diagnosing unit is electric powered and features a direct-drive auger transmission. The spread width is variable up to 40 feet.

CARGILL ClearLane ClearLane enhanced deicer is a pre-wet sodium chloride made from a patented liquid magnesium chloride formula and mixing process. Combined with pre-wetting and deicing agents, including a PNS-approved corrosion inhibitor, a coloring agent, and a leaching inhibitor, ClearLane is a deicer for effective winter road maintenance that’s anti-corrosive and a better alternative to traditional road salt.

BOBCAT Hydraulic spreader (HS8) The Hydraulic spreader (HS8) attachment has a spread pattern controlled by hydraulic motor that gives spread pattern of 18 to 28 feet with three material flow gates. The self-loading, 8-cubic-foot hopper has an open top and can be used as a bucket, allowing an operator to fill the spreader from a pile rather than pour material into the top.

WESTERN SS-120 The SS-120 walk-behind sidewalk sprayer applies liquid anti-icing to help prevent snow and ice from forming a bond with the pavement. The sprayer features a battery-powered electric pump that sprays up to one gallon per minute from the 12-gallon poly tank. The height-adjustable nozzle sprays up to four feet wide.

    Have a new product? Submit entries using our Product Form for Turf, Turf Design Build and PLOW, a supplement to Turf.

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