These days the market for golf carts for personal and commercial use is rapidly expanding. You can find these vehicles in a wide range of different environments, being used for all sorts of activities: hunting camps, airports, farms, resorts, casinos, large factories and industrial plants, on the beach, storage facilities, apartments and condos, and of course, on the golf course. Some places are tougher on a golf cart than others.
A new gas golf cart can cost as much as a motorcycle or compact car, and even a used golf cart will cost a few thousand dollars. So with that kind of money tied up in a vehicle, it is important to keep it running well, which will prevent breakdowns and the accompanying repair bills. The good news is that it is very simple, easy, and inexpensive to perform preventative maintenance on you gas-powered golf cart.
Here are the 5 most common procedures which prevent 90% of gas golf cart breakdowns:
Clean the battery posts and connections. Just disconnect the wires and wipe them down with a clean rag or give them a scrubbing with a brush or scouring pad of some kind. Lubricate and re-connect the wires and tighten down the clamps for a good connection.
Maintain the engine oil level at the “full” mark and change the oil often. Most specifications books for gas carts will tell you to change the oil every 200 to 250 hours, but I suggest you change the oil at least twice a year or every 100 hours, because 250 hours is a long time to run an engine that heats up to 400 degrees. Do not just use the owner’s manual as your guide, you should always keep good, fresh oil in the engine.
Keep a clean air filter. Most golf carts do not have a pre-filter you can wash off with water. You wll need to take out the air filter (which is very easy to do) and knock off the dirt and dust. Or even better – blow out the filter with compressed air or a cool-air hair dryer. Change the filter when it gets too dirty.
Lubricate the forward/reverse mechanism. If this switch gets too dirty and un-lubricated, it will get stuck and not work correctly or at all. It is easy to visually determine if there is a potential problem building up on this part. If so, clean it off thoroughly, and lube it up with some WD-40 or something similar.
Make sure the tires stay fully inflated. Because of a gas golf cart’s gearing and power output, low tires will put serious strain on the cart and can cause the engine to run even hotter (Remember the part about changing the oil?). So the 50-cent compressed air machine at the gas station for tire air could save you a $1,000 engine repair bill.
Taking these five painless steps on a regular basis will help you avoid the vast majority of costly major repairs and keep your vehicle running at its peak for years to come.
Shayne Hall is an entrepreneur and blogger who is also works at Cajun Carts http://www.cajuncarts.com in Lafayette, LA. You can find out what Shayne is up to at http://www.shaynehall.com or contact him at shayne@hall-partners.com.
Filed under auto insurance price quote by on Jun 29th, 2010. Comment. 
Car Insurance vs.Health Insurance?
I was in a car accident a few months ago. I was at fault 100%, so my insurance company paid for the property damage but the amount for bodily damage is set too high by their attorney.Does n’t health insurance contribute to an extent for the injuries and medical bills etc. or is it the 100% responsibility of the car insurance company to pay for the whole amount that is medical bills etc. incurred by the individuals and their health insurance combined?
This question is actually more complicated than you realize. Your best bet is to call the adjuster handling your claim. They will be able to tell you how this works in your state.
Here’s some very general information-
If you cause property damage/injuries to someone else – your liability coverage pays for that.
But what happens if your limits are not sufficient to pay for all of it?
This depends.
Do you have assets? If yes, then expect to get sued. They injured parties lawyer is going to come after you. And assets don’t mean just a bank account, retirement fund etc. It can mean land. So, if you live on the farm land that has been in your family for 100 years…..yep- they will come after that.
If you do not have assets – You are much less likely to get sued. It can still happen -but it’s less likely. A lawyer will want to make sure you have something he can take before he comes after you.
If the injured party has health insurance — that’s not going to help you at all. The injured party having health insurance does not reduce your legal liability to him at all. Many states have a Collateral Source Rule that prevents you from getting any type of credit for any medical bills paid by his health insurance.
If you do not have sufficient limits and no assets — then most likely the injured party would file under his Under-Insured Motorist Coverage. (if he has this coverage on his policy). Usually in this situation – the injured party just settles for your policy limit and his UIM (if he has it).
In some states, the UIM carrier can come back after you for repayment (for what they had to pay the injured party). If they do this – they will set up an interest free payment plan with you. As long as you make all your payments on time, there is no further action taken. If you stop paying – then they can (and will sue you), suspend your drivers license and/or turn you over to a collections agency.
If a law suit gets filed against you – your insurance company will hire an attorney to defend you (in accordance with your policy language). The suit papers will be served on you (usually by process server or certified mail). Immediately take those papers to your adjuster or agent. Your insurance company will get those papers to an attorney.
However, if you get served with suit papers — your attorney has 30 days to get an answer on file. The clock starts running when you get served. So the faster you get the paper to your insurance company the better.
If you think you are going to get served — don’t hide from it. If they can’t get you served by process server or certified mail – they may do it by publication. And who actually reads the legal notices? So, you end up getting served with out even knowing it. — Does not matter though. If you don’t answer with in 30 days it’s a default judgement against you (that’s an automatic you lose).
Again- call your adjuster. He/She will be able to give you more detail regarding your case. Adjusters know that this is all new to you……there is no such thing as a stupid question. So call and ask any that you have. That’s what the adjuster is there for.
**not legal advice– only an attorney can give legal advice.
Filed under Health Insurance by on Jun 28th, 2010. Comment.
Philadelphia is Pennsylvania’s largest city and is a bustling manufacturing and financial business center. There are many businesses that have a thriving practice in the city and starting a retirement planning service can be an ideal business idea. It will be necessary for you to be knowledgeable about the various retirement plans for individuals and business owners.
Careful retirement plans can lower taxes and one can defer payment of taxes until the retirement funds are withdrawn from the plan. Though it is beneficial, but there are so many rules and regulations of the IRS (expand), the Employees Retirement Income Security Act (ERISA), and the Department of Labor that you need to follow wile starting up this business. Thus, it is recommended to use the services of a retirement planning service unless you are confident about doing it yourself. Retirement planning services guarantees a secure financial future for both the employer as well as the employees.
Start Up Facts:
o It will be necessary to give your business a legal structure and registering a business name that has been formed in compliance with applicable State laws.
o Make sure you hire the services of an attorney to help you figure out the right legal structure as well as assist in getting necessary licenses and permits to begin your operations legally.
o Get appropriate insurance coverage for your business.
o Do extensive market research and competitive analysis to help understand factors influencing your business better as well as to gain a competitive edge.
o Draft a good business plan that will also come in handy to get loans for your start up etc.
o Determine the services you will offer, if you will service both individuals as well as businesses or concentrate on one aspect only. Determine the kinds of plans that you will recommend. Defined Benefit Plans, such as Profit Sharing Plans and Money Purchase Plans etc.
o Determine the rates you will charge for your services.
o Select an appropriate location in a commercial area within easy access to offices and other business establishments. Make sure your attorney studies the lease agreement too.
o Determine the experience, qualification and number of staff required. Make sure organizational structure is clearly established. Keep them motivated and that they treat the customers in the right manner.
o Marketing your services is extremely important, as it will help improve as well as develop your business. Make sure ads are well placed, regular and are a consistent item in your local newspaper and radio, TV etc. and a well designed and easily navigate able website can be a great promotional tool too.
o It is recommended that you use the services as well as products that numerous firms offer to improve the business started by new entrepreneurs.
Alexander Gordon is a writer for http://www.smallbusinessconsulting.com – The Small Business Consulting Community. Sign-up for the free success steps newsletter and get our booklet valued at $24.95 for free as a special bonus. The newsletter provides daily strategies on starting and significantly growing a business.
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Filed under Health Insurance by on Jun 25th, 2010. Comment.