Jan 31
adminHpi Check 1cc, Added Convenience, Additional Power, Aluminum Panels, Drive Axles, Four Wheel Drive, Gear Assembly, Gearbox, Pistol Grip, Radio Gear, Radio Systems, Rear Exhaust, Savage, Savage 21, Savage 25 Rtr, Savage Ss, Shock Absorbers, Slipper Clutch, Speed Transmission, Ss Version, Starter System
Savage 21
The original ready-to-run (RTR), and now discontinued, Savage 21 served as the basis for the vehicles that came after. It featured a unique boxed chassis with parallel aluminum panels (known as Twin Vertical Plates, TVP) surrounding the transmission and drive axles, two-speed transmission, heavy-duty slipper clutch, eight oil-filled coilover shock absorbers, four-wheel-drive, HPI .21ci (3.4cc) pull-start engine with rear exhaust and an HPI 27 MHz three-channel pistol grip radio. A “reverse module,” sold separately, mounts inside the transmission where it replaces an idler gear assembly. It utilizes the factory-installed radio’s non-proportional third channel and an additional servo to add the convenience and fun of reverse when the model is first brought to a complete stop. The savage is pretty much most durable truck for heavy bashing on the market.
Savage 21
Savage SS
Shortly after the Savage 21 was released, the Savage SS (Super Sport, meaning kit version) was released. It was an unassembled version of the Savage, based on the Savage 21, but came with some pre-included option parts such as an aluminum tuned pipe and an upgraded S-25 engine. The S-25 engine later became standard in the Savage 25 RTR. Unlike the RTR versions of the Savage, the SS version was supplied without radio gear based on the assumption that drivers already had advanced radio systems perfect for the Savage SS.
Savage SS
Savage 25
The Savage 21 was replaced by the updated Savage 25. This version added both a larger HPI .25ci (4.1cc) engine, the S-25, for additional power and torque as well as HPI’s unique “Roto-Start” electric starter system. The Roto-Start kept the weight-saving advantages of the pull start with the extra added convenience of electric starting via an external electric starter. This starter, standard on most new HPI RTR models, incorporates a gear-driven one-way bearing mounted on the engine in lieu of the pull starter. The external starter is a motor-driven gearbox which spins a hexagonal steel shaft and is powered by a standard 7.2v nickel cadmium battery pack. A pinned ball joint at the end of the shaft mates with a socket on the rear of the engine-mounted one-way bearing assembly. The system has proven to be a popular one, with third-party engine manufacturers such as O.S. Engines and Team Orion designing their replacement engines to accept the assembly. An limited edition version of the Savage 25 added a three-speed transmission along with updated wheels and tires. These parts can easily be retrofitted to previous versions.
Savage 25
Savage ATV
A mechanically identical (save for springs) variation of the Savage 25 replaces that model’s Lexan pickup truck body with that of a Kawasaki KFX700 all-terrain vehicle with articulated rider figure designed to move with the model’s steering motions. This model sold poorly, probably due to the effect of the expensive body on overall price and that it was still a Savage 25 when the Savage X was in production.
Savage ATV
Savage 4.6 SS
When the Savage 25 was released, the Savage 4.6 SS kit was updated to include the more powerful engine, improved differentials and other upgrades. A ready-to-run version, the Savage 25 Limited Edition, added colored shock absorber springs, a 3-speed transmission, and a commemorative bodyshell to differentiate it from the kit version.
Savage 4.6 SS
E-Savage
An electric version, dubbed E-Savage, is a 1/10th scale version similar in design to the original. It is powered by two HPI “GT550″ 14.4v electric motors and competes in the market defined by models such as the Traxxas E-Maxx and Kyosho Twin Force. It shares no parts at all with the full size Savage because it is simply a rebadged Hot Bodies E-Zilla.
There is also an E-Savage Sport. The only difference between the E-Savage and the E-Savage Sport is that the Sport does not include the battery packs and charger.
E-Savage
Savage X
The next ready-to-run version was the Savage X. It had a new Force Engine-built 25 motor. The Savage X has addressed the criticisms of the original twin chassis design, which were poor radio box access and difficult access to the differentials. The enlarged radio box is now easier to open and the differentials can now be removed from the new “split bulkhead” design by removing only 6 screws. The new chassis plates lower the motor and transmission slightly to improve CG, and it now includes a standard composite roll bar and detachable roll hoop to protect the engine.
Savage X
Savage X SS
A variation on the Savage X, the Savage X SS, has a .28ci (4.6cc) engine that has 10% more displacement than the S-25 Model. The Savage X SS also features a hardened steel spur gear, chromed dog bones and 6 gear spider diffs for enhanced drivetrain durability to cope with the extra power of the .28 engine. With this engine the SS version will easily pull wheel stands and an optional wheelie bar is available for the Savage to prevent it from flipping over backwards under hard acceleration.
The Savage X SS is now available with the K5.9 engine from the Savage XL.
Savage X SS
Savage X 4.6
At the end of summer 2007, HPI released the Savage X 4.6 RTR. This model features the Force Engine-made F4.6 motor. The new F4.6 motor retains the reliability of HPI’s motors while adding more power, though it is not as powerful as the K4.6. The driveline has been upgraded with new alloy differential cases, reversion to the more reliable 21/25-style slipper clutch, and a dual fiberglass brake disc kit. The clutchbell is now a 17 tooth unit.
Savage X 4.6
Savage XL
Released in april 2008. This Savage includes a new K5.9 (.36) motor with aluminum tuned pipe and a stretched chassis. Several changes have been made to improve on the truck, including stronger diff gears, steel spur gear, uprated driveshafts, thicker chassis, metal geared steering servo, aluminum clutch shoes, 3-speed gearbox as stock, and much more. New wheels and tires and a new body complete the truck, which is RTR and comes with a rechargeable receiver pack and charger.
Savage XL
Savage Flux HP
In 2009 HPI released the first electric variant of the Savage monster truck, the Savage Flux HP. The Savage Flux HP offers an easy plug-and-go alternative to the Nitro versions of the Savage. The addition of two matching battery packs is all that is needed to get the Savage Flux HP up and running and there is no break-in procedure required, unlike the nitro-powered Savages.
The Savage Flux HP is capable of speeds up to 62 mph with the standard brushless motor.
Savage Flux HP
Savage 5T
The Savage 5T is the largest out of its series. It does not have many changes comparing to the Savage XL. The 5T has an extended chassis, which makes it 930mm long. It includes the same engine as on the Savage XL (K5.9).
Savage 5T
External links
Current Savage Line-up from HPI
HPISF – Savage Forum
Savage-Central Forums, News & more
more information about various Savage models
RCU-Worlds Largest and Most popular RC forum
Detailed Savage Flux review
References
^ Video demonstration of Savage engine break-in
Categories: Radio controlled cars
Jan 30
adminStudent Loan 8 Ways, Americorps, College Debt, Consolidating Student Loans, Exchange Work, High Interest Savings, Income Areas, Income Students, Loan Forgiveness Programs, Marketing Service, National Center For Education Statistics, Peace Corps, Rate Of Inflation, Scholarships And Grants, Shortage Of Teachers, Student Loan Debt, Student Loan Forgiveness, Student Loan Forgiveness Programs, Volunteer Work, Work Study Job
A recent study by the National Center for Education Statistics shows that 50% of recent college graduate have student loans, with an average student loan debt of $10,000. The average cost of college increases at twice the rate of inflation. With the rising costs of college it is difficult for aspiring colleges students to get enough scholarships and grants to pay for college and basic necessities. More and more college students are forced to use credit cards to pay for basic essentials such as books and school supplies. According to the United Marketing Service (UCMS) the average number of credit cards per student is 2.8.
Here are 8 ways to help with paying off student loan debt:
1. Develop a plan. Develop a plan to pay off your student loan debt before you graduate.
2. Save your money. Each summer throughout your college education, get a job or internship. Save half the money in a high interest savings account such as http://www.emigrantdirect.com (5.05%) or http://www.ing.com (4.5%). After a few months, consult a financial advisor to earn the highest possible return on your money. After college, you can use the money saved during all 4 years to pay down your college debt.
3. Use caution with consolidation. Consolidating student loans combines your loans into one payment but may or may not provide you with a lower interest rate. Do extensive research before consolidating your student loans. In addition, you may not be eligible for various student loan forgiveness programs if you consolidate your student loans.
4. Exchange work to reduce debt. Perform volunteer work or work for the following in exchange for reducing student loan debt: teaching in certain locations with low-income students or areas with shortage of teachers, providing legal and medical services in low-income areas or working for Americorps or the Peace Corps.
5. Get a work-study job. To help pay for the costs of college get a work-study job on campus to help defray the cost of college. Go to your campus employee office to ask about their work-study program. Work study Jobs pay at least the minimum wage for that state.
6. Apply for lots of scholarships. In recent years, money has been reduced from the budget for college scholarships so it is harder to get a scholarship to go to college. You can increase your changes of getting a scholarship by completing as many scholarship applications as you can. If you complete at least 50 you should receive at least 5 scholarships. Also, go to your campus financial aid office and ask about financial aid programs that the schools provides to students. Become friendly with the financial aid office employees who will alert you to financial aid programs when they become available. You can also search the internet for scholarships. Some scholarship websites are http://www.fastweb.com, http://www.scholarships.com, http://www.finaid.org, [http://www.college-scholarships.com] or http://www.scholarshiphelp.org.
7. Apply for grants. Apply for as many grants and scholarships as possible. You can also apply for federal grants such as the Federal Pell Grant (Pell Grant), the Federal Supplemental Educational Opportunity Grant (FSEOG) Program, Leveraging Educational Assistance Partnership (LEAP), and National Science Scholars Program. Some grant websites are http://www.scholarships-ar-us.org/grants/, http://www.scholarships-ar-us.org/grants/women.htm, http://www.careersandcolleges.com.
8. Protect your credit. Try to avoid making late payments on your student loans, if you do this will be reported on your credit report and can remain for up to seven years. If you are having financial hardship call the student loan company and inform them of your situation, ask for a hardship or loan deferment to ensure your credit is not damaged until you are able to start making payments again.
Jan 29
adminList Insurance American Life Insurance, Burial Costs, Buying Life Insurance, Companies, Dependants, First Insurance, Genworth, Genworth Financial, Guardian Life, High Risk, Insurance, Life, Life Insurance Company, Life Insurance Plan, Life Insurance Policies, Life Insurance Policy, List, List Of Insurance Companies, Northwestern Mutual, Northwestern Mutual Life, Protective Life, Protective Life Corporation, Providing, Ship Owners, United Health
A mention of life insurance conjures up thoughts about death. This is what life insurance is most associated with. For many people, buying life insurance means they are planning ahead as concerns the future of their dependants.
Even though planning for one’s death is not something to rejoice over, it is the most practical thing to do because eventually, everyone has to die at some point in time. People are increasingly becoming more open-minded about this, with majority going ahead and purchasing life insurance policies.
With the right life insurance plan, your family will benefit in the event of sudden death. In order to choose the right plan, you must understand what your needs are and the kind of benefits you want for your family. Then you can look for a plan that gives you just that.
Lloyd’s insurance company in London was the first insurance company to provide life insurance policies to people whose jobs exposed them to high risk of death. They included traders, merchants and ship owners. The first American life insurance followed suit in 1760, offering life insurance policies that were modeled on the Lloyd policies.
A life insurance policy covers the burial costs of the policy holder, settles any debts he may have left behind and provides financial support to his beneficiaries. When choosing a life insurance company, go for a company that is not only licensed to operate in your area, but one that is also reliable, especially when it comes to claims settlement.
Here is a list of insurance companies providing life insurance plans:
- Allstate
- American National
- Liberty National Life
- Northwestern Mutual Life
- Guardian Life
- The Hartford
- United Health
- Protective Life Corporation
- Genworth Financial Group
- Jackson National Life
There are many more companies whose services are just as good as those offered by the above companies. It could be that they are not as big or have entered the market recently. You can find them by searching on the web. It is important to check their credibility before signing up with them. First of all, they must be registered to operate in your area. A good starting point would be visiting your state’s department of insurance and requesting for a list of insurance companies in the area.
Beware of fraudsters operating online. There are plenty of them posing as genuine insurance agents. Run a background check on everyone you are dealing with online to ascertain that they are indeed trustworthy before doing any transaction with them.
Jan 28
adminHome Loan Credit Reporting Services, High Interest Rates, Home Investment, Home Loan Lenders, Home Loans, Junk Fees, Loan Fees, Loan Practices, Loan Terms, Manufactured Home Loan, Manufactured Home Loan Lenders, Mortgage Lenders, Predatory Lenders, Predatory Lending Practices, Predatory Practices, Pressure Sales Tactics, Proper Steps, Prospective Homeowner, Sub Prime Loans, Unnecessary Costs
With the recent upheaval in the mortgage lenders market the instances of predatory lending practices have decreased. These lenders used high pressure sales tactics to induce manufactured home buyers into home loans with high interest rates and junk fees tacked on. With that said it still is in the home buyer’s best interest to be aware of these types of lenders and take the proper steps to protect themselves.
The hard part can be spotting less then honest home loan lenders. The easiest way is to get multiple quotes from several lenders and then compare the interest rates, terms, and fine print included within the quotes. Even borrowers with good credit need to protect themselves from these predatory practices.
Here are some of the more well known predatory lending practices: Predatory lenders will keep homeowner’s unaware that they may qualify for lower interest rates. They also add unnecessary costs, referred to as “junk fees”, to their loans. They are also more active in getting their customers to refinance repeatedly in order to collect more loan fees.
Homeowner’s can protect themselves by learning how to shop for good loans that protect their home investment.
The first thing the prospective manufactured home buyer needs to do is obtain a copy of their credit report and FICO score. All three major credit reporting services are required by law to provide consumers one free report per calendar year. The better the credit rating the better the loan terms will be.
If the borrower has bad credit he or she is more susceptible to these types of loan practices because they are considered a high risk borrower. Poor credit means the prospective homeowner will not be offered the best loan terms with the lowest rates. Instead they will qualify for what are called sub-prime loans which need to be approached with caution.
Sub-prime loans have the following characteristics; high interest rates and fees with monthly payments that may only cover only the interest owed and does not reduce the principal balance. They may also have adjustable interest rates that change at designated times resulting in an increase in the monthly payment. Many sub-primes also have pre-payment penalties which prevent the homeowner from paying off the loan early. And lastly a balloon payment due once the loans term is up.
It is best to avoid any loan that has these types of terms in the paper work.
The best way to avoid possible problems is by getting more then one quote from multiple sources including local banks, credit unions, or mortgage brokers who have a good history of brokering loans. Any good lender will offer a Truth in Lending Disclosure which states the basic terms and conditions of the loan they are offering the borrower. This form should also include the interest rate and monthly payments which should not change at closing.
By getting multiple quotes from manufactured home loan lenders the homeowner can compare terms and weed out those lenders that may be less then they seem.
Jan 28
adminHome Loan 10 Years, Bankruptcy Loan, Bankruptcy Search, Bargain, Closing Costs, Credit Report, Finance Package, Financial Institutions, High Interest Rate, Home Equity Loan, Loan Lenders, Loan Process, Mortgage Lender, Necessary Bills, Payback, Paybacks, Paying Debts, Recovering From Bankruptcy, Repayment Plan, Scar
A person becomes bankrupt when he/she is not capable of paying debts as at when payable. This incidence leaves one broke, unable to pay necessary bills. It leaves a scar on your credit report which will need about 6 – 10 years to completely heal, this means that it will nullify the credit facility within this time. But, you can reduce this time by using the Home equity bankruptcy loan process. With this option you will not need to wait for 6 – 10 years to elapse before accessing a credit facility from any of the financial institutions or individuals.
If you have just gone through bankruptcy like I said, you will definitely find it hard to get a loan. Home equity loan is the way out because it helps you to consolidate your debts, and does not require closing costs. It is important for you to realize that a search needs to be carried to get the right lender, who will offer a loan at a low rate. It is not advisable for you to opt for just any available loan, because the loan with high interest rate will not be suitable since you just recovered from bankruptcy.
Go in search of the lender and bargain for a suitable finance package, that for the interest rate that is suitable. If you don’t find what you want, then go for the lowest rate available. Start by applying through your present mortgage lender, and with a good history of payment your application will be accepted. In this case there is a great possibility for you to have a lower interest rate bargain.
Continue your search if the present mortgage lender does not meet your satisfaction. You can finally settle for the best deal package. Another factor to consider is the monthly repayment plan, if your income is high that you can go for a high monthly payback. If not, you can negotiate for a longer period of payback which will reduce the weight of the monthly paybacks. With this you will find out that even after recovering from bankruptcy you can get a loan using the home equity option and also find a lender with lower rates.
Older Entries
RSS