Mar 26

Dodge Diesel Performance by Parleys dieselThe Dodge Cummins diesel is a favorite of many diesel enthusiasts because of how many modifications can be done to it. The Dodge Cummins diesel comes stock with great power and fuel economy and can be tweaked to get diesel fuel mileage in the upper twenties and some even report low thirties in mpg. That is phenomenal economy for a truck. They can also be turned into ground pounding monsters. Today we will take a look at a few of the modifications that can be done to make the vehicle either more economical or more powerful.First the most popular modification for any diesel is a performance chip. These come in chips, modules and programmers. All have the same basic functions although they will all alter the fueling in slightly different ways and have a variety of safety features. Generally for a conservative driver, with almost any diesel chip about three to four mpg increases can be achieved. Most of these chips add about 120 horse power on their top setting. There are some extreme chips though that will add about 230 hp and over 400 torque to the dodge Cummins diesel.Probably the second most popular modification for the Dodge Cummins Diesel is performance diesel fuel injectors. Upgraded injectors can also add economy for a conservative driver. The injectors come in stages that range from 50 hp to 150 hp over stock, and even more extreme injectors can be custom made. 50 hp injectors would be for someone looking for a little more power and better economy. 150 hp injectors would be considered extreme. They also come in complete injector replacements or just nozzle or injector tip upgrades.For any diesel that is being modified, a higher flow exhaust should be added to help it keep exhaust gas temperatures down and to relieve engine stress. Most people upgrade the size of the entire exhaust from the turbo. Others use the Aero Exhaust which is a muffler replacement only. The design of the Aero Exhaust increases the speed of the exhaust like a jet would as the exhaust flows through it. On the 2005 Dodge Cummins diesel the Aero Exhaust adds 19 hp and 38 dyno tested torque by just replacing the muffler.Another popular modification is the cold air intake which allows more air into the engine which helps to combust a higher percentage of the fuel. This gets more power to the wheels instead of out the tail pip in a big black cloud.The Aero Exhaust and Diesel Performance Chips are basic Dodge Diesel Performance upgrades- Nathan YoungArticle Source:

YouTube Preview Image
Mar 20

By Amber Ladlie

Before tapping into one’s home equity, seniors should carefully consider both the pros and cons of a reverse mortgage. While these loans benefit many borrowers, it is important for seniors to consider all of their different options. To help determine whether a reverse mortgage might be in a consumer’s best interest, potential borrowers can review these reverse mortgage pros and cons.

Three Disadvantages of Reverse Mortgages

To cash-poor seniors, a reverse mortgage might seem like the best way to utilize their home equity. However, when discussing the pros and cons of a reverse mortgage, many seniors get stuck on the price of these loans. While reverse mortgages carry many of the same costs of conventional mortgage loans, borrowers who want a federally-insured loan, or HECM, must also pay mortgage insurance premiums (MIPs).

YouTube Preview Image

Depending on the loan product one chooses, borrowers will pay an upfront MIP of 2% or 0.01% of their claim amount, plus an annual MIP equal to 1.25% of the loan balance. While this might seem expensive, mortgage insurance is what guarantees borrowers that they will never owe more than their home is worth. Without this insurance, many seniors would end up owing thousands over the value of their home. Also, like all other fees, MIPs are financed into the loan, which eliminates any out-of-pocket costs to the borrower.

When considering the pros and cons of a reverse mortgage, it is also important to remember that borrowers must follow a few guidelines to keep their loan from becoming due. To keep a reverse mortgage in good standing, borrowers must make all necessary home repairs and maintain the condition of their home. Borrowers are also required to pay their property taxes and keep homeowners insurance. If a person cannot afford these costs, the loan will become due prematurely.

Reverse Mortgage Pros and Cons: Focusing on the Benefits

While it is important to consider both reverse mortgage pros and cons, many seniors focus on one very important fact: reverse mortgages allow seniors to stay in their homes while eliminating their monthly mortgage payments. Depending on a borrower’s age and amount of equity, he or she might also be eligible to receive additional cash. Because loan proceeds are not considered taxable income, borrowers get to keep their proceeds tax-free. For the same reason, a borrower’s Social Security and Medicare benefits will remain unaffected. Of all the reverse mortgage pros and cons, this is the benefit that tends to resonate with seniors.

However, reverse mortgages do not just eliminate mortgage payments; they also allow seniors to defer payment until both borrowers pass away, sell the home, or vacate the residence. If both borrowers decide to move into a nursing home, they will be given up to 12 months before the loan becomes due. Other types of mortgage loans simply do not offer this benefit.

Because reverse mortgages allow seniors to defer payment and repay their existing mortgage balance, these loans help to keep more seniors in their homes. Seniors who are in danger of foreclosure or are otherwise ineligible for a conventional mortgage loan might still qualify for a reverse mortgage. While consumers should weigh both the pros and cons of a reverse mortgage, one fact is abundantly clear: these loans provide seniors with an invaluable benefit–their financial independence.

About the Author: Amber enjoys teaching people about financial products that can be used to further their quality of life without putting an extra strain on their pocketbooks. For more information on

reverse mortgage pros and cons

, visit



Permanent Link:

Oct 8

Looking out for used heavy equipment? – SURF THE NET


Roger Ricafort

Dont underestimate the power of your fingertips, surfing the net can almost give you hints in anything that you are looking for. As the technology progresses the internet also find its way up. Finding used heavy equipments is also included in the list. Only people way back are the one who dont consider buying heavy equipments via internet. Options are given by the dealers online.

There are a lot of online sites that offers used heavy equipment, this is so closed at hand. Having access with this site gives a lot of variety locally or even worldwide. So close and all are seen in your computer screen as if its personal. You can now escape the problems you encounter in different dealers and auctions, having yourself caught in between with its expanded prices. This kind of buying system gives you opportunity to save money that you can use in more important thing.

Compare with regular thing this online auction presents a lot of options and you are all free to choose. The type of equipment is not a problem, though the options are greater in loader, dump trucks, garbage trucks, large commercial, or heavy duty trucks. Of course you can see a lot of options and different pictures in your screen, and you can even check for the bid cost. Taking a look at the details of the equipment is an important thing. Consider its description and look at the hours of the used equipment. The used hours are the corresponding miles on a road vehicle.

Looking up on the online sites gives the buyer a lot of benefits, there is a lot of options. And since there is an atmosphere of competition between the dealers the buyer can always get a good deal.

Here are the tips to consider when buying online. Check if theres any reserve limit when it comes to bidding. This indicates that the seller has a fixed amount and he will not consider anything less than this amount. In what way does he want to be paid? Is he accepting personal check? Is he considering cashiers check? Does the seller have an existing Pay Pal account? Also, one consideration is how much you are going to pay for the shipment of the equipment. Put that in mind, and be ready if you will be the chosen bidder.

Online sites are now booming and have gain a lot of progresses compare before where there are only physical auctions. Not to mention that the quality and value is of the same kind. Before, we used to present ourselves in coat and tie just to go in an auction, but now you can just sit with shorts and shirts at the front of your computer screen to do the bidding. One click and now you got it!

For more information just visit

Heavy Equipment for sale


Construction Heavy equipment


Article Source:

Looking out for used heavy equipment? – SURF THE NET }