The Pantera Webstore - automotive equipment.
Especially cool and warm boxes to keep food in during car journeys and jacks to be used when repairing and maintaining vehicles
Go here for main menu of car products and car information
Look further down to read about jacks and jack technology and there are some advices about leasing a vehicle
Click here for male and female products for sexual pleasure, potency and genital enhancement
See here for RC models, airsoft guns, science kits and other hobby gear
Smart natural drugs for the most common health problems you encounter
Drugs and items for beauty care, skin care and for physical and mental rejuvenation
BACK TO MAIN MENY - All products including fashion, watches, skin-care, electronics, home equipment
Good online sites for car equipment, garage tools and tour comodities
Welcome to this online store of cars and car parts. Buy clicking at the banners you will find a huge collection of car models or car parts. Further down on this page there is also an article about jack tecknology and about auto leasing.
Good online stores to buy equipment and tools for cars, trucks, vans, bikes and other vehicles
A good store to find parts, equipment and tools for four wheel driven vehicles, for trucks, fo offroad vehicles and for offroad work.
Please click here to see the store of 4 Wheel Parts - Off Road Parts & Accessories
Core mechanical, electric and engine parts. Also performance upgrades. Original and thirdparty parts for every thinkable car model. A great shop for cargo handling devices.
All kinds of equipement for the internal and external of your car. A great shop for car styling and performance parts.
Comodities to use in your vehicle and on journeys - a lot of audio, video and other electroni comodities. A lor of safety equipment. A great shop for garage tools and vehicle grooming products.
A general thechnology store with many good offers in car electronics like GPS map systems, tracking devices and communication equipment
Car product examples - especially of jacks and of containers, coolers and wormers for food and drinks
Other interesting products
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Provestra - Herbal capsules for women to enhance the sexual drive and good feelings in the genitals, to make the clitoris and vulva engorge better during excitement, to make more lubricating secretions, enhance potency for orgasm, reduce distress in heavy periods like the menstruation, and give these effects all day and night - please go here
Please click here to find more drugs to give greater sexual energy and abilities, and to increase your sexual pleasure - for men and women
All kind of hobby items - RC helicopters, RC cars, RC
airplanes, RC robots, RC boats, airsoft guns, electronics and much more
Natural drugs for common health problems
Supplements to maintain general health and condition
Skincare, cosmetics and fashion
Anti-aging supplements for the skin and the whole body
Cellphones, computers and electronic equipment
Information resources for our visitors - Here are some advices about vehicle leasing. To find other information resources, please go to this page
About jacks and jack technology
Tools or machines that are able to lift heavy weight or press things apart with a heavy power and then hold the weight statically are generally called jacks. Usually a jack is very small comapred with the power it can excert. Generally a jack is constructed in such a way that the heavy power is produced by a repetitive action of a smaller power. That smaller power can be muscular or electric.
Some jacks use a set of gears of various sizes coupled to each other so that each wheel drives a larger wheel around. Ultimately the largest wheel pushes along a tanned bar. There must also be a locking mechanism so that the whole meechanism does not run back again until so wanted.
The power in these jacks can derive from muscular circular actions or muscular pumping actions. The pumping action is usually derived from the use of a long handle giving a high power momentum. Such jacks can also be driven by an electric motor.
Other types of jacks use a cylinder with a piston into which one presses air or oil under high pressure. The high pressure is usually created in another cylinder with a piston used as a pump with repetive pumping actions. The pumping actions are usually done by muscle power using a long handle. There can also be gears between the handle and the piston pump that augments the poer. There must be a valve that hinders backflow of the air or the fluid until so is wanted to relieve the pressure from the jack.
Terms to Know Before Leasing A Vehicle - Leasing Jargon Simplified
By William Bolton
So, you’ve decided that you want to lease that next vehicle. Can’t really blame you. With today’s incentives, rebates, and favourable lease rates why wouldn’t you. Not only do you get to drive a new car, but a new car that you wouldn’t otherwise be able to afford if you were to purchase and finance it. Buyer beware though. With leasing comes new and sometimes rather confusing vocabulary. Don’t get lost in a sea of leasing jargon. Protect yourself. Learn and understand the industry language. For those seriously thinking of leasing that next vehicle, here is a useful glossary of “new” terminology that you should familiarize yourself with BEFORE you negotiate a lease:
Acquisition Fee: An administrative charge levied by the leasing company for processing a lease. This fee is typically NOT negotiable and can have a significant bearing on the overall cost of the lease.
Base Interest Rate: This is the cost of leasing and using a vehicle and is measured by the interest paid over the lease term.
Buy at end-of-term interest rate: This is the net interest rate for the lease if the lessee, at the end of the lease term, purchases the vehicle at the end-of-lease purchase price.
Capitalized Cost: This is the total purchase price of the vehicle. The price includes the cost of all extras such as vehicle options, extended warranties, life insurance, and rustproofing. The capitalized cost equals the amount you would pay for the vehicle if the vehicle were being purchased.
Capitalized Cost Reduction: A capital cost reduction is a down payment, in the form of cash or trade-in, that is applied to the final purchase price of the vehicle reducing the monthly lease payment.
Closed End Lease: Leases in which the lessee’s financial obligation rests only with the negotiated monthly lease payment. Since the residual value of the vehicle is stated in the lease contract, the lessee is not financially responsible if the actual value of the vehicle is less than the stated residual value. The lessee need only return the vehicle at the end of the lease term with no further obligation.
Dealer Participation: A rebate or discount, contributed by the dealer, reducing the final purchase price of the vehicle.
Depreciation: The decrease in value of a vehicle over time. Depreciation in automobile leasing is the difference in value between the cost of a new vehicle and the value of the vehicle at the end of the lease term.
Disposition Fee: A fee charged by the lessor at the end of a lease to ready the car for sale. The lessor may apply this fee against the deposit made by the lessee at the beginning of the lease term.
Down Payment: A sum of money paid at the beginning of a lease contract, usually at the time of signing, that is applied to the final purchase price. In leasing, the down payment is referred to as the capitalized cost reduction. Typically, the larger the down payment, the smaller the lease payment.
Early Termination Fee: A penalty paid by the lessee for terminating a lease contract early. A lessee pays for the depreciation of a vehicle in equal monthly payments. Since a vehicle’s depreciation is highest in the first months of a lease, terminating a lease early results in the lessee using more of the vehicle’s value than what they’ve paid for subjecting the lessee to penalty.
End-of-Lease Purchase Price: Also known as the residual value. This is the price at which the lessee may purchase the vehicle at the end of the lease term.
Excess Wear & Tear: W ear and tear beyond what is deemed acceptable by the leasing company. It is the responsibility of the lessee to take reasonable care of the car and to ensure it is returned at the end of the lease term in good condition. Bald tires, body dents, and engine trouble due to neglect could subject the lessee to repair and replacement charges.
Gap Insurance: The name given to a type of insurance coverage that covers the difference between the actual cash value of the leased vehicle and what is still owed on the lease contract. If a leased vehicle is destroyed in an accident or stolen, gap insurance coverage protects the lessee against additional losses due to “gaps “ between the insurance settlement and the lessee’s financial obligations set out in the lease contract.
Independent Lessor: These are non-traditional lessors, usually an individual business, that can structure and write a lease for most makes and models of vehicles. The terms and conditions of the lease agreement can be customized to accommodate different lease and mileage conditions.
Lease Extension: This is the continuation of a lease, beyond the original lease contract. Payments are continued on a month-by-month basis at the same sum negotiated at the beginning of the lease term.
Lease Term: This is the length of the lease contract. Most vehicles can be leased for 12, 24, 36, 48, and 60 month lease terms. The monthly payment of a lease will vary depending on the length of the lease term.
Lessee: Name assigned to a person or party who signs a lease and agrees to assume responsibility for a vehicle and the lease payments.
Lessor: Name assigned to a person or party that owns the vehicle and agrees to lease it to the lessee.
Mileage Allowance : Lease agreements establish a maximum mileage allowance that the car may be driven over the life of the lease. The agreement will also specify the cost per mile or kilometer the car is driven over and above the allowance that is due and payable at the end of the lease term.
Money Factor: This is a number used to calculate the base interest rate of a lease. To arrive at a base interest rate, leasing companies will multiply a money factor by 2400. The money factor of a lease is known by the leasing and sales consultant at the dealership and is used to calculate the cost of money in the same fashion as an interest rate does. The lower the money factor, the lower the monthly lease payments.
Monthly Payment: A payment made on a specified date each and every month as specified in the lease contract. Monthly lease payments calculated on a lease contract typically include all applicable taxes.
Net Interest Rate: This is the total interest rate for a lease and represents the true cost of the lease. The lower the net interest rate, the lower the cost of the lease.
Open-End Lease: Leases in which the lessee’s financial obligation may exceed the negotiated monthly lease payment. In an open-end lease the residual value is set at the beginning of the lease term. The lessee is financially responsible if the actual value of the vehicle is less than the stated residual value.
Purchase Option: Option extended to the lessee, at the end of a lease contract, to purchase the vehicle at the pre-determined purchase price. The pre-determined purchase price is normally the stated residual value in the lease contract.
Residual Penalty: This is the penalty a lessee pays if the end-of-lease purchase price is greater than the expected value of the vehicle at the end of the lease term.
Residual Value: This is the expected or pre-determined value of a leased vehicle at the end of the lease contract. The stated residual value on a lease contract is normally the buyout price at the end of a lease term. The residual value also determines whether the lessee should purchase the vehicle at the end of the lease term. If the residual value is less than the actual market value it would be advantageous for the lessee to buy the vehicle and sell it to a third party.
Security Deposit: This is a sum of money, paid up front, as security for excess wear and tear on the leased vehicle. The amount is refunded if the vehicle is returned in good condition. In some cases, the deposit may be applied against the final monthly payment.
Good luck and happy negotiating!
William Bolton is founder, owner, and operator of Leasedwheels.com, a website specializing in auto lease transfers and assumptions. If you're stuck in a lease you need out of or wish to take over an existing lease on a short-term basis with no money down, visit: http://www.leasedwheels.com