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Cheap Auto Parts – Why Discount Auto Parts Are Better Than Used Car Parts

It is extremely common for a car to break down and need a part replaced. Most car owners have already experienced this, and those who haven’t, will do so at some point in the future. Many car owners are also aware that cheap auto parts are available if one knows where to look for them. However, this is where most people’s understanding of cheap auto parts available at discount prices ends. Either most people end up paying premium prices for the parts, or trust that the cheap used car part being installed by the mechanic is indeed the best deal available. But is this true?

Most used car parts on the market today are salvaged from cars that were completely wrecked in accidents. As such, these are some of the worst car parts to use for repairs and replacement. Various studies undertaken on such parts have shown that these parts require frequent replacements and repairs. Additionally, these parts may adversely affect the safety, comfort, and gas mileage of the car. This is because many parts have internal damage that is not visible easily, even to the trained eye. Yet, these car parts are used many times simply because the car owner cannot afford to use new and more expensive car parts. junkyards near me

Of course, there are parts that you can compromise on and get a used part, while there are other’s that you can’t on. For example, transferring a headlight or tail-light from a used car is not a problem in most cases (though it will wear out sooner than a new one). However, transferring an air filter from a used car may be counter-productive since it may already have dust and dirt in it that will harm your car instead of helping it. The same goes for more sophisticated parts such as transmission. A general rule of the thumb is that more the internal and smaller moving components in an auto part, the riskier it is to acquire a used one for replacement.

The problem with cheap car parts has been increased even more due to the fact that there are very few regulatory agencies (private or government) that can test the used car parts before they are installed in a car as replacement. However, there are ways to obtain cheap auto parts that won’t break your bank balance, and yet be as reliable as new car parts. Many used car parts may seem cheaper on paper, but frequent repairs, lower mileage and missed car-days due to the car being in repair shop add up to quite a bit in the long run. As such, one must make the effort to avoid these parts. The alternative is using discount stores, both online and offline that provide new auto parts at discounted prices.

The auto parts bought from these stores have already undergone testing in many cases and the prices are lowered primarily by lowering overhead and reducing the profit margin. This allows such dealers to provide cheap auto parts, often at over 15-20% discount, and sometimes even more. The benefits of getting these parts over seemingly cheap auto parts are obvious. The parts are tested, and can be returned in case of defects. Since these parts are new, they often last far longer than used parts and provide optimum performance. As such, there is no danger of the hidden costs often associated with used car parts. These stores are often found online far more than offline since the overhead of running an online store is far lower than a brick and mortar business. Searching online for “cheap auto parts” and “discount auto parts” may yield some good results. However, be careful since many places online are auctions for old used parts, not discount stores for new parts at lower prices than others.

General

Fight Rising Texas Health Insurance Costs

In a statement made by Texas State Representative John Smittee, “You look at the cost of health care in general and it’s increasing faster than the cost of living.” According to a Commonwealth Fund report, we have seen individual Texas health insurance premiums increase by almost 50 percent in the past eight years. The rise in family and group Texas health insurance plan premiums was even greater. A 2011 survey conducted by the Kaiser Family Foundation found that the cost of giving health benefits to employees increased by 118 percent for large firms and 103 percent for small firms in the past 10 years.

Health Savings Accounts Made Available To Texans

Under the “IRC Section 223” or state “Qualifying High Deductible Health Plan,” certain high-deductible Texas insurance plans are allowed to pair with a Health Savings Account or HSA. Health Savings Accounts started back in 2004. Since then, there had been an influx in people enrolling in HSA plans. Health Savings Accounts are available to Texans who buy their own TX health insurance plan, who are self-employed or who have employer-provided HSA plans.

In a study by United Benefit Advisors it showed that HSA-qualified plans have fewer and lower rate hikes as well as lower premiums compared to traditional health care plans. The rate of HSA premium increases is one third to one half that of what traditional plans has been. Results showed that the cost of HSA plans had only risen by an average of 3.4 percent while premiums for all plans combined increased an average of 9.6 percent in 2005 alone.

Between 2004 and 2005, Health Savings Account plan premiums increased by an average of 2.8 percent while the combined cost of Texas health plans rose by 7.3 percent as affirmed by a survey released by the Deloitte Center for Health Solutions.

Employers And Employees Can Both Benefit From A Health Savings Account

Since Health Savings Accounts started, many employers have realized that switching from group coverage to Health Savings Account plans offered in the individual market increases their savings that permit them to fund an HSA for every employee. Thanks to the new health care reform law, HSA plans now cover preventive health care from in-network providers with no out-of-pocket costs. This is even before the policyholder meets their deductible. If the medical expenses are not covered by their health insurance plan, employees can withdraw HSA money tax-free to pay for qualified medical expenses.

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Uncategorized

Choosing The Right Online Casino To Deposit

There is an interesting background to the Cambodia casinos that lie just across the border from neighboring Thailand, where casino gambling is illegal. Eight casinos are situated in a relatively small area in the city of Poipet in Cambodia. This conclave of Cambodia casinos is in a prime location, a three to four drive from Bangkok and Macao, the two biggest gambling centers in Asia. Cambodia casinos do a thriving business with Thai workers and visitors from Malaysia, Japan, South Korea, and Singapore, with only very few Westerners. The phenomenal income gained from the casinos ranges from $7.5 million to over 12.5 million, and there are few restrictions or registration requirements for casino ownership. Ownership is presumed to be largely Thai; however, investment sources are vague. The borders are officially open from 9:00 a.m. to 5:00 p.m., and although visas are supposedly required to cross, there are ways around this, as is true of most border crossings. UFABET

The first Cambodia casinos opened in Phnom Penh in 1994, but were forced to close in 1998, leaving only one casino in the capital, the Naga Resort. The Naga, a stationary boat casino, features 150 slots and sixty table games. The Naga casino is open 24 hours with 42 tables of mini-baccarat, four tables of blackjack, 10 of roulette, two of Caribbean Stud Poker, and one each of Pai-Gow and Tai-Sai.

The first casino in Poipet, the Holiday Palace, opened in 1999 and the Golden Crown soon followed. There are 150 slots and five table games at the Golden Crown and 104 slots and 68 table games at the Holiday Palace. The newer Holiday Palace Casino and Resort features 300 slots and 70 table games and the Princess Hotel and Casino, also in Poipet, has 166 slots and 96 gaming tables, including 87 baccarat (the most popular game), Fan Tan, and Pai Gow. In addition, there is the Casino Tropicana, with 135 slots and 66 of the familiar table games, as well as one table of Casino Stud Poker. Another one of the eight casinos in Poipet, also in a hotel, is the Princess Casino with 166 slots and 97 games. The Star Vegas Casino is part of an international resort and hotel complex that features a number of amenities in addition to the casino, which has 10,000 square feet of 130 slots and 88 table games.

Across the Cambodian border at Asmech/Surin is one casino, the Casino O Samet, with 100 slots and 50 tables of baccarat. In addition, the Koh Kong Casino, in the province of Trat, is open daily from 9:00 a.m. to 10:00 p.m., with 100 slots and four table games. A smaller casino, Le Macau Casino and Hotel, opened recently at Bavet on the Vietnamese border.