Posted in Buy a Car

Buy Your First Car with Zero EMI

Many times, individuals have to postpone the purchase of a new car because they are unable to save enough for the same. Your prized possession should not burn a hole in your pockets. Considering the number of loan options available, purchasing a car has become easier.

Most banks finance about 80% of the value of the car, which means remaining 20% will be your down payment. The equated monthly installment (EMI) will have to be paid each month and it will be a fixed outgo from your monthly salary. So is there a trick to own a car without having to do this? Read on to find a way out.

Replace EMI with SIPs

Purchasing a car is not an overnight decision. It requires adequate financial discipline, planning, and market research, with the help of which, it can be possible to save enough to buy a car in the next five years.

When you seek a car loan, you will be required to pay EMIs for the next four to five years depending on the tenure and the amount of EMI settled with the bank. Instead, if you choose to start a Systematic Investment Plan (SIP) and invest regularly for these years before you plan to get your own car, you will have enough returns to accumulate the amount needed to buy a car. EMIs carry an amount of interest as well. With an SIP, there will be no additional amount you will have to pay. On the contrary, by investing in mutual funds, you will be able to earn enough to save for your car.

How mutual funds work

If you are wondering how mutual funds work, then let us tell you that mutual funds are managed by fund managers who collect money from investors and invest the same in order to generate higher returns. The fund manager tries to make the most of the investment and ensures that the risk is reduced to a minimum. It is a mix of debt and equity. The rate of return depends on the market volatility.

Advantages of mutual funds

Although market volatility does affect mutual funds, investing in them ensures you a high rate of return at a low-risk rate. Some of the primary benefits of mutual funds include the following:

  • Invest as an SIP

An SIP is an investment into mutual funds that enjoy a higher return and lower risk. A regular monthly investment will ensure that the returns at the end of the investment period are high. Since the portfolio will be diversified, the investor enjoys a lower risk and the returns can be as high as 15%.

  •  Enjoy liquidity

It is possible to get in and out of mutual funds with ease. In case you seek immediate liquidity of funds, it is possible to achieve the same. There is no lock-in period and you will receive your funds in no time.

  •  Avail of low transaction cost

With an SIP, the overall cost of a transaction will be low. Since new units are purchased each month, the total cost of purchase will come down. It allows transactions on a large scale but with less money.

With a regular SIP, you will be able to purchase the car without a bank loan and might also get an opportunity to buy a higher model. Right financial planning and decision making will help you save on the EMI and offset the car purchase with SIPs. There are a number of mutual funds in India for you to choose from. If you are a new investor, contact the fund manager to learn … Read more ...

Posted in Diesel Engine Design

Rudolf Diesel

Diesel Engine DesignThe diesel engine (also recognized as a compression-ignition or CI engine) is an internal combustion engine in which ignition of the fuel that has been injected into the combustion chamber is caused by the high temperature which a gas achieves (i.e. the air) when greatly compressed ( adiabatic compression ). Diesel engines operate by compressing only the air. Then in that case the initial stress ought to be sixty-four atmospheres, or for 800° centigrade the pressure ought to be ninety atmospheres, and so on. Into the air thus compressed is then progressively introduced from the exterior finely divided fuel, which ignites on introduction, since the air is at a temperature far above the igniting-point of the fuel.

Having said that the original cycle proposed by Rudolf Diesel in 1892 was a continual temperature cycle (a cycle based on the Carnot theory) which would demand much greater compression than what is required for compression ignition. To make this a lot more clear, let it be assumed that the subsequent combustion shall take place at a temperature of 700°.

Low-speed diesel engines (as made use of in ships and other applications exactly where overall engine weight is somewhat unimportant) can have a thermal efficiency that exceeds 50%. Notice that there is no longer a mention of compression temperatures exceeding the temperature of combustion.

Use in locomotives, trucks, heavy equipment and electrical energy generation plants followed later. Now all that is pointed out is the compression should be high adequate for ignition. This increases the air temperature inside the cylinder to such a higher degree that it ignites atomised diesel fuel that is injected into the combustion chamber.

This contrasts with spark-ignition engines such as a petrol engine ( gasoline engine) or gas engine (utilizing a gaseous fuel as opposed to petrol ), which use a spark plug to ignite an air-fuel mixture. A tiny efficiency loss is also avoided compared to two-stroke non-direct-injection gasoline engines since unburned fuel is not present at valve overlap and for that reason no fuel goes directly from the intake/injection to the exhaust.… Read more ...

Posted in Car Fuel Manager

My Fuel Manager App

Car Fuel ManagerYour steed speedily, thanks to our new application. Please check it last (18.01) version and create me setted point of entering into app (Settings-Interface). Great application to track fuel record This is really superior app which assists you to hold track record of your entire fleet. Fuel Manager will help control the expense of fuel and know when they have exceeded the spending budget.

Just you have to enter the record anytime you refuel your ride, else preserve it on app. Please create me from app – your information will be auto attached and I can support you. Fantastic app It would be nice to have the possibility for giving diverse measures for eks.

Excellent App Working with it considering that an year, shows precise no.s n terrific app to track vehicle expenses and milage. Very good sufficient (bug report) Double tap to exit doesn’t operate, just prompts the exit application window and I have to tap exit.

I used to like this app, but now my overview screen shows no numbers in my averages…. i also can’t appear to get it to show up even though all my info is still saved. Basic to use, gives me the info i want and quick to see gas consumption.

Please check it final (18.01) version and create me setted point of getting into into app (Settings-Interface). Amazing application to track fuel record This is pretty great app which helps you to retain track record of your whole fleet. Fuel Manager will assistance handle the expense of fuel and know when they have exceeded the price range.… Read more ...

Posted in Car Design Competition

Events & Contests

Car Design CompetitionThe Automotive Brand Contest is the only neutral, international style competitors for automobile marques. Accompanied by a wide-ranging PR and communication campaign, the unrestricted use of the winner labels, as nicely as bespoke media concepts designed for the winners, the Automotive Brand Contest 2017 will enable international media presence that is hugely productive in terms of marketing.

In the event of winning, a comprehensive promoting package will be made out there to the winners: LABEL (limitless use of the respective label) – CATALOGUE – On line GALLERY – WINNER’S CERTIFICATE – MEDAL (Greatest of Finest & Special Categories) – PR PACKAGE – ATTENDANCE GALA-DINNER.

If you have registered for a portfolio and wish to upgrade to a full individual subscription please click ‘Manage your account’ on the homepage. To read the complete range of CDN’s premium content material, please subscribe Your individual subscription automatically contains registration.

Coverage of the graduation shows from the world’s major design and style schools. The Automotive Brand Contest guarantees lengthy-term, neutral observation of marque presence in an international context for all providers in the automotive and supply industries, design, brand and communication agencies, and imported marques.

In 2017, the winners will be presented with their awards on the occasion of the International Motor Show (IAA) in Frankfurt/Principal. If you don’t know who that is please contact groupsubscribers@ or telephone Andrew Randall on. With around 900,000 visitors and roughly 265,000 sqm exhibition space the IAA is one particular of the most crucial international automotive shows and thus offers an desirable setting for the festive occasion.… Read more ...

Posted in Auto & Motor

Six Tips on How to Keep Your Car Looking New

There is more to maintaining a car than regular visits to the mechanic. To function effectively, a car needs to be clean, both inside and outside. Here are a few tips that will help you keep your car looking like it just came out of the showroom.

Wash Regularly

This may seem too obvious, but you may be surprised by the number of car owners who don’t wash their vehicles and end up needing detailing more than they should. Make it a habit of washing your car at least once a week. Doing so will enable you to maintain the original appearance of the car and reduce the need for regular detailing. If you have a busy schedule and unable to clean the car by yourself, take it to a car wash. Make sure the car wash has a good reputation and proper cleaning equipment.

Remove All the Parts That are Worn Out

Get rid of old seat covers, side mirrors, floor mats, license plates and cargo liners. These components can make your car look very old, even if you just bought it the other day. You can find replacements in local auto stores or car dealerships. Companies like Weathertech have a huge collection of car parts you can choose from.

Use a Leather Conditioner

It is also important to take into consideration the interior of your car. Torn and faded leather seats will age your car every single time. Keep the leather in good shape using a leather conditioner. A good conditioner will reduce fading, moisturize your leather and reduce the damage caused by UV radiation. However, this does not mean you ignore a conditioner if you don’t have leather in your car. You still need it to clean and condition the covering on your dashboard, door panels and console.

Organize the Paperwork

Do not forget about the papers that usually find their way inside the car. These may include registration and insurance documents, scribbled directions, maps and many others. Establish an accordion file in a small compartment within the car to prevent paper from scattering all over.

Apply a Tire Conditioner

One of the key signs of a poorly maintained car is its tires. Dry and faded tires make the car look very old. Use a nice coat of tire conditioner every time you wash the car. This will give the tires a new shiny and fresh look.

Change the Oil

Change the engine’s oil after every three months or 3,000 miles. This is important, especially if you drive in dusty areas or stop-and-go traffic. Apart from the oil, change the air filter, oil filter and fuel filter. Check if the PCV and spark plugs are operating well. Never attempt to change the oil or anything related to the engine if you don’t have any experience in handling cars. Visit a mechanic instead.

The life of your car depends on how well you maintain it. Wash your car regularly, change the engine oil, apply leather and tire conditioner and replace damaged parts if you want your car to last longer.… Read more ...