Chances are you rely on your vehicle to get you where you need to go — and when you need to go — whether it’s to work, school, the grocery store, or the soccer field. But if you’re late with your car payments, or in some states, if you don’t have adequate auto insurance, your vehicle could be taken away from you.
When you finance or lease a vehicle, your creditor or lessor has important rights that end once you’ve paid off your loan or lease obligation. These rights are established by the contract you signed and the law of your state. For example, if you don’t make timely payments on the vehicle, your creditor may have the right to “repossess” — or take back your car without going to court or warning you in advance. Your creditor also may be able to sell your contract to a third party, called an assignee, who may have the same right to seize the car as the original creditor.
The Federal Trade Commission, the nation’s consumer protection agency, wants you to know that your creditor’s rights may be limited. Some states impose rules about how your creditor may repossess the vehicle and resell it to reduce or eliminate your debt. Creditors that violate any rules may lose other rights against you, or have to pay you damages.
Seizing the Vehicle
In many states, your creditor can seize your vehicle as soon as you default on your loan or lease. Your contract should state what constitutes a default, but failure to make a payment on time is a typical example.
However, if your creditor agrees to change your payment date, the terms of your original contract may not apply any longer. If your creditor agrees to such a change, make sure you have it in writing. Oral agreements are difficult to prove.
Once you are in default, the laws of most states permit the creditor to repossess your car at any time, without notice, and to come onto your property to do so. But when seizing the vehicle, your creditor may not commit a “breach of the peace.” In some states, that means using physical force, threats of force, or even removing your car from a closed garage without your permission.
Should there be a breach of the peace in seizing your car, your creditor may be required to pay a penalty or to compensate you if any harm is done to you or your property. A breach of peace also may give you a legal defense if your creditor sues you to collect a “deficiency judgment” — that is, the difference between what you owe on the contract (plus repossession and sale expenses) and what your creditor gets from the resale of your vehicle.
Selling the Vehicle
Once your vehicle has been repossessed, your creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. In some states, your creditor must let
Vehicle Registration Summary:
Information about the cost of new car tags/vehicle registration can be found by clicking on your state. Find out if you’ll receive a temporary license plate/temporary tags while you wait for your permanent registration to arrive. You may find that your state offers a vehicle registration fee calculator to make it easy to determine your total registration cost.
After you buy a car, you’ll need to register it with your local Department of Motor Vehicles (DMV), Secretary of State (SOS), Department of Revenue (DOR), Motor Vehicle Division (MVD), or other local entity that sets vehicle regulations in your state. If someone is asking for your vehicle registration number, they are probably referring to your Vehicle Identification (VIN) number.
Before you can register your car, your vehicle will likely need to:
- Have a title in your name.
- Pass an emissions test or smog check.
- Pass a vehicle safety inspection.
- Be covered by car insurance.
Find an auto insurance policy that’s right for you.
Get car insurance quotes with our insurance center and find your perfect policy.
Register Your Car in Your State
Did you know? Branded Titles
If you want to register a vehicle with a branded title, abandoned vehicle title, or a salvage title, be sure to contact your state DMV/motor vehicle agency before visiting your local office. There may be special forms and registration fees you’ll need to provide to your state motor vehicle agency.
Whether you want to register a car, truck, motorcycle, ATV/recreational vehicle, or trailer, visit your state’s vehicle registration page for more information about:
- Registration documents.
- Vehicle registration forms.
- Registration fees.
- County/state taxes, if applicable.
Click on your state below to find out how to register your vehicle with your local DMV.
Source Article …
BICYCLE OWNERS BEWARE!
READ ABOUT A SOLUTION
I’ve had 3 bicycles stolen in 18
months and I can verify that “even the very best bicycle lock can be opened in
You Don’t Believe Me
To See It Being Done!
Still not convinced? OK,
check this list provided by Google. The last time I looked there were
125,000+ web pages warning us of bicycle u-lock weaknesses.
I know what you’re thinking. The manufacturer of that particular u-lock has
probably fixed the design fault. Am I right? Well, yes, that’s probably true.
They would be daft not to. If so you’re probably safe until someone works out
another way to break a u-lock. Unfortunately you will not have to wait too long.
As you can see from the movie, it didn’t involve heavy investment in R&D to
break the last top of the range bicycle u-lock!! In fact I found a tool to open
almost any bicycle u-lock, and it costs less than £50 ($90). No it’s not a gold
plated Bic pen!
I was astonished when I looked into bicycle theft protection systems. For
example, have you seen the protection these so called “high security rating”
bicycle u-locks provide?
How many hours of protection do you think a top of the range
bicycle u-lock is
guaranteed to provide. Did you say 1 maybe 2 hours? – No chance. You are talking
about anywhere between 20 seconds and 3 minutes protection – AND THAT’S IF YOUR
LUCKY!!!! It’s sometimes quicker for the thief to cut the railing the u-lock is
attached too. Phone the manufacturer of your u-lock and ask them if you don’t
Just out of curiosity I decided to investigate how secure a chain lock would be.
I didn’t waste time on one of those flimsy cheap chains. I selected one of those
chains that looked thick enough to be used to pull a small boat and long enough
to fit around a lamp post twice. It also had a plastic sheaf to protect against
rust. I also bought an enormous pad lock. Well, it had to be to fit the chain
links. Unfortunately the chain and lock weighed 15lbs but I didn’t care about
how practical it was. I just wanted to know how secure it would be. Do you know
what I found out? Well, the chain is great. The weak link is the
be picked in seconds.
No wonder bicycle theft has reached epidemic proportions!!!
The results of many studies show; the best way to protect your bicycle is to
make it a less-attractive target. What does this mean? Well, one way is to keep
the bicycle out of sight. What can’t be seen is unlikely to be stolen. Another
way is to have more security on your bike than the bike it’s next to. Basically
this means if the bike next to yours has 1 u-lock,
Before you start shopping for a used car, do some homework. It may save you serious money. Consider your driving habits, what the car will be used for, and your budget. Research models, options, costs, repair records, safety tests, and mileage — online and through libraries and bookstores.
Whether you buy a used car from a dealer or an individual:
- Test drive the car under varied road conditions — on hills, highways, and in stop-and-go traffic.
- Ask for the car’s maintenance record from the owner, dealer, or repair shop.
- Determine the value of the vehicle before you negotiate the purchase. Check the National Automobile Dealers Association’s (NADA) Guides, Edmunds, Kelley Blue Book, and Consumer Reports. Some of these organizations charge for this information.
- Research the upkeep costs for models you’re interested in, including the frequency of repairs and maintenance costs.
- Examine the car using an inspection checklist. You can find checklists in magazines, books, and on websites that deal with used cars.
- Check whether there are any unrepaired recalls on a vehicle. Start by asking the dealer if the vehicle you’re considering has a recall. You also can check yourself by entering the VIN at safercar.gov, or by calling the National Highway Traffic Safety Administration’s (NHTSA) Vehicle Safety Hotline at 1-888-327-4236. If there is a recall, ask the dealer to fix it, or to give you information showing it was fixed. Keep in mind that federal law doesn’t require dealers to fix recalls on used cars, so you might need to get the repair done yourself. But don’t wait — according to NHTSA, all safety recalls pose safety risks and, left unrepaired, might lead to accidents.
- Get an independent review of a vehicle’s history. Check a trusted database service that gathers information from state and local authorities, salvage yards, and insurance companies. For example, the Department of Justice’s National Motor Vehicle Title Information System (NMVTIS) offers information about a vehicle’s title, odometer data, and certain damage history. Expect to pay a small fee for each report. The National Insurance Crime Bureau (NICB) maintains a free database that includes flood damage and other information. You can investigate a car’s history by its Vehicle Identification Number (VIN). You also can search online for companies that sell vehicle history reports. If the report isn’t recent or you suspect that it has missing or fabricated information, verify it with the reporting company. The information in the reports may not be complete, so you may want to get a second report from a different reporting company. Some dealer websites have links to free reports.
- Consider hiring a mechanic to inspect the car.
You have two choices: pay in full or finance over time. Financing increases the total cost of the car because you’re also paying for the cost of credit, including interest and other costs. Consider how much you can put down, the monthly payment, the financing term (such as 48 months), and the
Kiosks Available for Parking Permits
Two kiosks are located by the Parking/ID Card Cashiers’ area in Barnes & Noble bookstore and one will be at the NMSU Police Station’s reception area. Kiosks will have printer access and will print temporary permits. Your confirmation receipt will serve as your temporary permit and must be displayed on the dash of your vehicle.
PARKING PERMITS will only be available for purchase online — not in person. Kiosks are also available to register and print a temporary permit.
NMSU Parking Rules are in effect from 7:30 a.m. – 4:30 p.m. Monday – Friday with free parking on the evenings and weekends, and free parking lots located around campus.
NOTE: Parking citations are administered by the NMSU Police Department. Questions or comments should be directed to email@example.com or 575-646-2418.
Free Parking and Shuttle Service
NMSU makes it easy and affordable to park and commute around campus. Aggie Transit provides free shuttle routes that transport riders with a valid Aggie ID from free parking lots (identified in brown on the parking map).
Permitted Parking Lots
A variety of NMSU Parking Permits are available for those who wish to park in a designated “permitted” parking lot. Parking rules are enforced Monday – Friday from 7:30 a.m. – 4:30 p.m. Please consult the parking map for designated parking locations.
NMSU Departments may request a special placard that will allow parking in specified areas of campus.
For those who only visit campus periodically, a variety of Visitor Permits are available.
Plenty of Spaces!
There are about 13,500 available parking spaces on campus. However, during the university’s peak hours (9 a.m. – 2 p.m. weekdays), only about 7,900 of those spaces are filled at one time. Therefore, there are generally at least 5,600 open spaces available when you arrive!
HELPFUL TIP: The lots around the center of campus near Corbett Center Student Union (CCSU), the Horseshoe, and the Barnes & Noble at NMSU Bookstore & Café tend to fill up very fast and remain occupied most of the day. Reduce the time and stress of driving around looking for a spot by simply parking in the “All Permits” lots east of Chamisa Village on Stewart Street. These lots are historically underutilized and are only a couple minutes walk from CCSU.
Parking & Traffic Regulations
Click here for parking & traffic regulations.
Road & Parking Closures
Click here for information on campus road and/or parking closures.
Questions? Click here for more information.
Transportation & Parking Services is pleased to employ nearly two dozen NMSU students!
Switch to Transportation Services
Source Article …
It is hard to trace the history of the modern bicycle back to its original origins, as no one seems to know exactly when that was!
Bicycles on Pavement
Archeologists have discovered bas-relief and hieroglyphic evidence of two-wheeled vehicles existing in ancient Babylonian and Egyptian societies,
but no ancient relics have ever been found.
Many people believe that the bicycle was invented by Leonardo da Vinci according to a drawing in a notebook;
however, most experts believe that it was either done by his assistant or a fake that was drawn much later.
One thing that experts do not dispute is the creation of the draisine around 1817 by Baron Karl Drais de Sauerbrun of Germany.
This machine was constructed of two wheels connected to a simple wooden frame with a steering mechanism and was patented as a walking machine,
enabling riders to travel up to ten miles an hour.
During the same period, in 1820, a similar machine known as the swift-walker was patented in the United States by W. K. Clarkson.
These become popular in New York City but eventually disappeared due to city ordinances.
Around 1860, a French man named Pierre Michaux attached crank handles from an old grindstone
to the front wheel of the swift-walker, creating the velocipede, a forerunner of the modern bicycle.
One of his employees, Pierre Lallement, contended that he conceived of this idea first and took it to the United States, where he patented it in 1866 and introduced it to the public.
The 1870s brought such improvements as lighter steel frames, solid rubber tires, tension-spoked wheels, ball-bearings, brakes, and lights.
It was during this time that the swift-walker or velocipede officially became known as the bicycle.
Eventually the size of the front wheel was increased and it was not uncommon to see bicycles with front wheels up to five feet in diameter.
In 1884, John Kemp Starley invented the chain-drive mechanism, allowing the two wheels to be much closer in size.
Tires with inflatable tubes became standard in the 1890s, as did caliper rim brakes, and multi-gear derailleur systems.
By the turn of the century, over 10 million Americans owned bikes and bike racing had become a major international sport.
However, the industry declined heavily by 1903, in large part due to the automobile.
It was partially revived during the gas rationing of the Great Depression and World War II, and then again in the 1960s and 1970s.
BMX, triathlon, and mountain bikes came on to the scene in the 1970s and 1980s, further revolutionizing the bicycle industry.
A Cyclist Rides a Bicycle (Animation)
Today’s bicycles have continually become sturdier, more lightweight, and more aerodynamic.
With an estimated 2.5 billion people worldwide riding bicycles for transportation or simply recreation, the bicycle is one invention that has profoundly affected our civilization.
Bicycle-related organizations include the Bicycle Product Suppliers Association,
the National Bicycle Dealers Association, and
the League of American
History is a platform that provides users with overall information about vehicle history. With the help of the tool, the users can check vehicle history of any car, bike or scooter and get the vehicle history report and generate a certificate. The certificate generated by History helps you check vehicle history online. This full vehicle history report is very useful for the buyers as well as sellers as it helps the users by providing all the details which are crucial while buying or selling a used automobile. It is India’s most comprehensive Car, Bike and Scooter History Tool that let the user know about the background of any used vehicle or the detailed vehicle information. This is the reason why the report is also coined as a vehicle information report.
History is an unbiased certificate that reveals the overall information about any vehicle’s background. You can check vehicle information such as vehicle registration details, loan history of the vehicle, vehicle owner details, fitness certificate validity of the vehicle, how old the vehicle is, check if the vehicle is blacklisted, check a number of times the vehicle resold, check vehicle accident history free, etc. In this way, you get to know all the necessary details about the vehicle you are planning to buy. The users need to provide the vehicle registration number to check vehicle history and he/she can avail a detailed used car or used bike certificate.
How Does it Work?
History has data for more than 200+ million registered vehicles in more than 1000 Regional Transport Office across the country. This data has been consolidated from multiple authoritative sources with more than 60 lakh vehicle’s data updated in real time. To get a detailed certificate about any used car, the users need to opt for online vehicle registration by entering the car’s registration number; as soon as the registration number is provided, the user will get a vehicle history report.
Benefits of History
History is very beneficial to any user who is looking to buy or sell a used vehicle. The data provided by history helps buyers to make a more informed decision while buying a used car. It provides used vehicle history by generating vehicle history certificate. You can check the background of any vehicle and get a vehicle history report online for free within 10 seconds. This way you get quick and easy access to information about any kind of vehicle registered in India. It gives you authentic data which makes you more confident about your buying decision.
Being the most advanced and comprehensive used car and used bike history checker, History is based on true facts and provides the most genuine vehicle history report in India. This is the most authentic way to check vehicle registration details, as History takes the data from RTO vehicle information. Regional Transport Office (RTO) is the only Government of India organization that is authorized to maintain a database of vehicles for all states and
Our Free VIN Decoder will allow you to lookup any VIN number on any vehicle in the United States. A VIN Number is a Vehicle Identification Number. It is the identifying code for a specific vehicle. This can be a car, truck, van, SUV, motorcycle, RV and more. Every vehicle that was manufactured in the United States has a VIN number stamped on it in multiple places on the vehicle. The most noticeable location you can find a VIN number is on the dash board. You might also find it on the frame of the vehicle, on the engine block or on the body stamped on the door. With all modern cars, manufactured in the last 20 years, the VIN number is a 17 digit alpha-numeric code. It will be in all capital letters and typically stamped on a piece of metal. All you need to do is find that VIN Number and enter it into our Free VIN Decoder and we’ll show you everything you ever wanted to know about your vehicle.
Free VIN Decoder Results
What you will find using our Free VIN Decoder is a multitude of vehicle information. Since the VIN number is applied by the manufacturer it will include details such as; Year, Make & Model, Engine & Body Type, Interior & Exterior Options, Fuel Type, Suspension& Braking Information, Electronics & Power Options, Airbag & Safety Information and dozens more. Additionally with the Free VIN Decoder you can find the License Plate Number & potentially owner information if you sign up for our premium services. There you can search unlimited license plate numbers and VIN numbers. You can access all this information and more from any device that has internet access. All searches are anonymous and confidential and no one will ever know you’re looking up their VIN Number or information.
With this VIN Decoder you can find all the pertinent information about your vehicle as well as
uncovering the vehicle history. A VIN check can offer you insights that can be very helpful when
purchasing a used vehicle such as; owner information, accident history, safety and recall information
and NHTSA data.
Another helpful feature of the VIN Decoder is you don’t need to know the make and model of the
vehicle you’re performing a VIN lookup on. The 17 alpha-numeric VIN code has all that information
imbedded in there. This means all you need is a VIN number to find the truth about any vehicle.
VIN Information is public record so anyone with an internet connection and a computer, tablet or
smartphone can access this information instantly. Make sure to double check the VIN number when
entering it in the VIN Decoder as one misplaced character can change the specs of the vehicle
All VIN Searches are anonymous and confidential, no one will ever know you’re looking up their vehicle