Most people dream of taking that fabulous once in a lifetime holiday but very few people actually turn that dream into a reality these days. The main problem that stands in most people’s way is the lack of funds. Holidays mean having access to a lot of cash upfront and unless you’ve been saving for years, they can be out of reach. If you’ve been dreaming of getting away, but you’re not sure how to fund your big trip, a personal loan might be what you need to get. Is a personal loan right for you? Ask yourself the following questions -How much do I want to borrow and how much can I afford to pay back each month if I decide to go?  So ask yourself how much you can afford to borrow for your holiday. The answer will depend on a lot of different factors, such as your income and the expenses you have. Write up a budget and determine how much can I afford in repayments per month? Remember you will be paying this back for maybe a year or two or even more depending on the cost of the trip.

How quickly can I pay off the loan? Can I afford to make extra repayments to cut down the loan period? Do the research and do it thoroughly. Once you have an idea of how much you can spend, you can tailor your holiday to suit. This is the fun part. Go online and start planning. To get the most value out of your personal loan, you’ll need to factor in all the expenses you can think of, including airfares, applicable airport taxes or duty, hotel prices, car rental costs, food budget, drinks, expenses you can think of, including airfares, applicable airport taxes or duty, hotel prices, car rental costs, food budget, drinks, entertainment costs,  petaccomodation , Transport to the airport etc.

Don’t forget about incidentals. A personal loan for travel is not just useful for paying for airfare or hotels. You can also use the money for meals, sightseeing and a bit of shopping. Remember to include these costs in your loan amount. Be wary about putting the cost of your holiday onto a credit card. Credit cards generally have a higher interest rate than an unsecured personal loan which means it could take longer to pay off and could cost you more in the long run. It’s a great idea to travel with a credit card in case of emergencies though – as long as you resist the temptation to use it on a whim. Once you’ve done your research and worked out how much you’ll need, you can start putting your holiday plan into action. Applying for a personal loan is easy and can be done over the phone or online. Just answer a few quick questions, and if you’re approved, you’ll have fast access to your holiday funds. Taking off on a dream holiday is simple with a personal loan. The hard part is deciding what to pack.

So remember to not over spend. Talk to one of our consultants and get a great rate on your personal loan or boat loan – 1300 633334.

Please be advised that as of 1 January 2011, new Australian Consumer Law will become effective. This includes a strengthening of consumer protection laws and enforcement powers of the consumer regulators (such as the ACCC) and a new prohibition impacting upon extended warranties, which will apply to all new & used car dealers and Boat and motorbike dealers. As part of the Australian Consumer Law package of reforms, a new consumer guarantee regime will be introduced. The regime requires suppliers, such as new & used car dealers and boat dealers and motorbike dealers, to provide certain statutory guarantees to consumers in relation to the goods and services they supply. For example, dealers who sell motor vehicles will provide a statutory guarantee that those motor vehicles are of acceptable quality. Such guarantees may go beyond those provided under State statutory warranty requirements.

In some respects the new regime reflects existing implied terms under the Trade Practices Act and fair trading legislation, but specific differences include:

• Remedies will be set out in the legislation (e.g. repair or refund) so that consumers are aware of what they are entitled to when things go wrong; and
• Consumer regulators such as ACCC and ASIC will have the power to take representative action on behalf of consumers for breach of the guarantee

In addition, the new laws include a prohibition on making false or misleading representations concerning the requirement to pay for a contractual right that is wholly or partly equivalent to any condition, warranty guarantee right or remedy that a person has under a law of the Commonwealth, a State or Territory. Swann believes this new prohibition could be used to target extended warranties sold by car dealers. Accordingly Swann is reviewing, and where appropriate modifying, our extended warranty product wording, dealer training and procedures, to help ensure our authorised representatives will be fully compliant with the new requirements. New extended warranty policy wording and education of all applicable Swann authorised representative staff, will be completed before 1 January 2011.

For those motor vehicle dealers who either issue their own extended warranty products and /or distribute extended warranty products issued by other insurers, we strongly recommend that a complete and thorough review of your sales and marketing processes and procedures be undertaken before 1 January 2011 so as to avoid breach of the prohibition and the potentially serious consequences flowing from such a breach. A breach of the new prohibition can result in civil pecuniary penalties, infringement notices, actions for redress by consumer regulators and possible criminal sanctions.

A greener Aussie is a better Aussie. What we do to try foe a greener planet.

• Ramp up your recycling of all paper and packaging – don’t wast paper.
• Set your computer to sleep mode when you are not using it and always remember to turn it off when you leave work.
• Use local products to cut back on transport costs.
• A new design of green furniture can be reused.
• Remove bottled water from vending machines and use tap water at work plus use your own cup and cutlery at work.
• Buy office computers, monitors and printers that use less energy to achieve the same results.
• Turn off the lights if you are the last one out and use natural light where possible – even car park lights should be turned off when not in use.
• Print on both sides of the paper – send your faxes to the computer before you print so you only print what you need.
• Use non-toxic cleaning products
• Cut down on travel; use the phone.

Aussie Loans Boat Finance provides quality boat finance products and has done so since 2000. Call 1300 633334 for any loan needs.

Evinrude outboard motors include High Output, V6 Engines, V4 Engines, Inline Engines, Multi-fuel Engines and Commercial Engines. Ranked the highest in customer satisfaction, Evinrude engines allow you to spend more time on the water, and less time and money on engine maintenance.

Evinrude High Output Engines are high performance motors with extreme durability tested to go the distance. From 15 Hp to 250 HP, there’s an H.O. Evinrude for your boat. For easy starts first time, every time a High Output Evinrude gives you nearly twice the available amperage of competitive engines. With lower emissions, less vibration and less noise, you can be satisfied knowing your engine is in-tune with the environment (as well as saving you money in efficient fuel usage).

Every revolution in an Evinrude Outboard Engine is a power stroke; giving you maximum strength and power. The computer controlled engine management system delivers the perfect fuel mix giving you instant throttle response. This unique management system makes more than 8 million calculations per second giving you the exact amount of fuel you need at any given rpm and not a drop more.

As well as efficient and economic fuel consumption, Evinrude outboard motors automatically fog themselves in minutes. Treating your engine during the off season will extend your engine’s life. Protecting the internal engine parts from rust and corrosion through frequent lubrication is essential for engine storage during the colder off season. Fogging oil is important to the process of preserving an engine. Evinrude’s instant self fogging capabilities provide you with hassle-free, low maintenance storage allowing you to take the boat out at any time of year. Living in a Coastal Region? Evinrude motors automotive fogging means you won’t have to worry about salt air and corrosion.

Evinrude Outboard Motors innovative and distinct electronic engine control features make it the industry’s most advanced outboard motor provider. Known to be whisper quiet, extremely low maintenance, durable, quality and reliable as well as environmentally responsible, Evinrude can give you low horsepower outboards while maintaining excellent power and torque.

Spend more time on the water, doing what you love with Evinrude outboard motors. For more information on finance for Evinrude Outboard Engines visit Aussie Loans. Find new and used boats and accessories, insurance and finance options as well as the latest in weather information at Aussie Loans.

Owning a trailer gives you greater freedom to explore different waterways with your boat. Moving your boat becomes as simple as choosing where to go and hitching up!

Certification

The most important factor when researching used trailers is that the trailer complies with Australian Certification and safety regulation standards. This certification includes area of registration procedure, brakes, lights ID plates, capacity ratings and couplings. The aggregate trailer mass (ATM) will determine whether it needs to be inspected before registration. The details of the registration will vary between the different states and territories.

Used boat trailers are a great alternative if you are looking to save a bit of money. Be careful however, that you are getting the right trailer for your boat.

Weight

When buying a trailer separate to the boat consider choosing a boat with a higher weight than that of just your boat. You are likely to store additional equipment in your boat, including fuel, that won’t be accounted for in the “dry weight” of your boat.

Make sure you have a vehicle that has a towing capacity to match the boat and trailer weight. You can find your vehicles towing limitations and further information in your vehicle owner’s manual. Ensure you have the right man power when handling your boat at the ramp. Boats over 25 feet will often need more than one handler when launching off a boat ramp.

Water proofing

Make sure the lights and electrical components of your boat trailer are waterproofed allowing drive on capabilities of the boat when launching into the water. Salt and fresh water environments require different types of water proofing. Enquire as to the standards of waterproofing on any new or used trailer you might purchase.

New and Used Boat Trailer Parts

Some things to check on inspection of a boat trailer before towing your boat include checking the coupler, hitch, hitch ball and safety chains. Make sure all fasteners and wheel lug nuts are tight and secure. Ensure all when bearings are properly adjusted and maintained. Tires should be properly inflated and fit the maximum load carrying capacity. Check all indicators and brake lights are working correctly; brakes quality must be certified against state motor vehicle standards.

High quality trailers might reflect their price range. Be careful when purchasing a trailer that appears cheap. Make sure you double check the condition and registration of a used trailer. Rust or corrosion will not only prevent re-registration but could compromise the safety of your boat and other road users. Any boat owner will tell you the importance of a durable, quality boat trailer.

Not only is a boat trailer a flexible way to utilise your surrounding waterways and boat capabilities , it is a much more affordable way of storing your boat than a permanent marina berth. My boating shop has a range of quality new boating trailers as well as a great selection of affordable used boating trailers. For more information on boats, visit aussieloans , the boating finance specialists

Some Fish recipies for the weekend.

PLUS

ave a great weekend and if we can help you have a little more fun along the way, we would be only too pleased to help.

GPS systems can also be purchased for cars and motorcycles as well, and hikers sometimes use such systems to determine where they are while walking. Cyclists should not be left out of the mix, and runners, joggers, and skiers use navigation systems to prevent themselves from becoming lost in an unfamiliar area. Some PDAs – personal digital assistants – even mobile phones are equipped with built in navigation devices, while some Palm devices also include such systems.

Navigation systems are sold with a variety of features and what kind of features you should look for is solely dependent on two factors – price and need. The most basic of navigation systems will provide you with a route from one waypoint to another waypoint or to multiple waypoints, depending on your destination and trip plan. A benefit of such navigation systems is that they not only serve as a guide to your preplanned destination, they also serve as guide back to where you started. Any route you plan in a navigation system is completely reversible thanks to the innovative design of such systems.

Alternatively, you may pay more money for a navigation system that has voice capabilities. You can purchase a navigation system that will guide you to your destination vocally and while speaking to you it will offer up a turn-by-turn dictation of your journey. Conversely, those individuals that spend the majority of their time travelling – like a delivery man may find that they prefer a navigation system that they can preplan many destinations at one time and then move from one set of directions to another. Thus, such individuals require a uniquely designed navigation system -one that possesses multi destination capabilities. Finally, there are different navigation systems for boats, motorcycles, cars, and joggers so you will need to be sure to purchase the product you require for the use for which you intend it.

Navigation systems can be easily ordered from online distributors. If you are interested in purchasing a navigation system you may want to read the myriad reviews offered pertaining to such products before you make your purchase. In doing so, you will have a better idea of the various brands available and what other people recommend. Also, you will find complete reviews that will allow you to engage in comparative shopping – this way you know you will be able to find the best navigation system to meet your needs at a price that suits your budget.

Navigate your way to Aussie Loans for all your finance and Insurance needs. Call us on 1300 256267.

For example, protecting your asset with a boat cover, whether it is a large boat or a tinney or even the family ski boat, it is a wise choice. Boat covers for the most part are easy to use and they are designed to protect your boat from the elements. Normally very simple to put on, whether you are mooring, storing in your garage or dry-docking your boat, a good cover will actually extend the life of your boat and make it easier and cheaper to maintain. If you tow your boat behind your vehicle, the sun and chemicals from road spray can all contribute to the breakdown of the exterior finish. Boat covers come in many different shapes and sizes and can offer protection for your Deep-V Cuddy cabin, Jet boat, pontoon boat or the family ski boat.

Boat protection covers come in a variety of materials including lightweight material such as DuPont Tyvek which is a lightweight, bonded polyethylene This tyvek material actually weighs 60% less when compared to canvas material and is extremely durable, definitely worth looking at. Did you know that microscopic pores trap moisture in and around your boat and cause mildew? A good water-repellent cover is going to prevent this annoying moisture from deteriorating your boat’s surface.

The sun’s UV rays are another enemy of your boat’s surface. The Tyvek cover once again does its job and blocks out 99% of these rays, thus protecting the interior of the boat by keeping it cooler. This great boat cover comes with reinforced seams, specially designed loops for secure tie-down, adjustable shock cord locks, and is machine washable. This great cover also has strong double-sewn center seam construction that eliminates leaking and ripping problems common to boat tops and covers. Most boat manufacturers will make a cover that exactly fits your make and model of boat. Even if you have aluminum fishing boat, a good boat cover is going to prevent the aluminum from oxidizing and deterioration will be less. After all, your boat is not a cheap investment and you want to get as many enjoyable years as possible. Boat covers are an essential item that all serious boaters should consider.

So keep this in mind andkeep us in mind. We strongly support the boating industry and are proud to do our part. Call us on 1300 627666 for any finance and insurance enquiry.

Petrol or Diesel Fuel – Which one suits!

Petrol Motors and Diesel Engines – there have been endless discussions on this topic among Boat enthusiasts across the world for years.

The most distinguishing feature of the diesel engine is that it uses compression ignition to burn the fuel, which is injected into the combustion chamber during the final stage of compression. In a diesel engine, fuel is injected at high pressure into the hot, compressed air in the cylinder, which causes it to burn and no spark is required for this. Thus, “compression ignition” is done rather than “spark ignition”. The petrol engine is known as a “spark ignition” engine. Both different systems yet achieve similar outcomes.

The Petrol engine uses the Otto cycle in which a fuel/air mixture is ignited by a spark plug. The air and fuel mixture when ignited by a spark burns and thereby expands to force the piston down. In case of a petrol engine, fuel and air are pre-mixed usually before compression. Earlier the pre-mixing used to be done in a carburetor but now (except in the smallest engines) electronically-controlled fuel injection is used for this. The pre-mixing of fuel and air makes a petrol engine to run at a much higher speed than a diesel. However, it severely limits their compression, and thus efficiency.

With diesel engines offer better fuel efficiency when compared to petrol due to the fact that they have higher compression ratio. Another advantage is that, a diesel engine can be more easily turbocharged than a petrol engine because of the fact that if the compression ratio and the pressure in the cylinder are high during the inlet stroke, the mixture starts to burn to soon, while the piston is on its way up. The diesel engine has no fuel in the cylinder and thus allows the turbocharger to suck as much air as it can without creating any problem. The higher compression ratio is helpful in raising fuel efficiency. Diesel engines are much more efficient than petrol engines when at low power and at engine idle. Diesel engines, unlike the petrol engine, lack a butterfly valve (throttle) in the inlet system, which closes at idle. This creates parasitic loss and destruction of availability of the incoming air, reducing the efficiency of petrol/gasoline engines at idle. This mechanism makes the diesel engine an attractive choice for many. Diesel engines are left idle for many hours or sometimes days in many applications, such as marine, agriculture, and railways. The engines are more efficient when compared to petrol engines of the same power. They consume significantly lower fuel and offer better mileage.

A diesel engine can relatively last longer, due to the fact that petrol destroys lubrication and diesel doesn’t. While all the above support diesel engines, a major advantage of petrol engines is that they are relatively lighter than diesel engines. Engine weight is a very important factor which affects speed and performance of a car or truck. This is one of the reasons why some of the fastest boats in the world run on petrol. It should be noted that even though diesel engines are heavier and make the Boat heavy, they have more torque.

Engines and Emissions

Diesel engines consume around 30% less fuel than petrol engines and this results in much lesser carbon dioxide emissions. The diesel engines produce virtually no carbon monoxide and are much safer than petrol engines. Tests done on car emissions reveal that while Nitrogen Oxides are higher in a new diesel engine when compared to a new petrol engine. But by the time they cover 60,000 kilometres or so, they are the same and after that the petrol engine produces more Oxides than the diesel engine. Hydrocarbon emissions contained in petrol engine emissions are considerably more than that in diesel engine emissions. However, diesel is certainly more dangerous from the point of view of Suspended Particulate Matter (SPM). SPM refers to solid particles suspended in open air, such as soot generated by combustion of various fuels. They might cause respiratory problems because of their tendency to deposit themselves in the lungs. Though much has been done to improve the fuel efficiency and reduce emissions from the petrol engine, still more needs to be done.

It doesn’t matter what you choose, please call Aussie Loans on 1300256267 to assist with any New Boat Finance or Used Boat Finance or even a Personal Loan – we are on your side.

If you know you are going through a lean time, then designing a budget that fits your finance is an important first step. You should take into account the cost of bills, food and personal expenses etc, and do your best to stick to it.

Draw up a frugal budget – factoring in the cost of food, travel, other expenses etc – and try your best to stick to it. To get things started, look at any loans outstanding and try to pay one at a time out in full.
2. Look To do things On The Cheap

If you intend to celebrate at all by dining out, then scope out a place that is inexpensive and fun to do it in first. Don’t make the mistake of deciding on somewhere without considering the cost first, and running the risk that your bill ends up tearing your budget to shreds.
3. Always Compare Prices where you can

If you are doing shopping for a car, boat or bike then always look for the best price for the items you want, and using price comparison websites is an easy way to find the best deals out there.
4. Hunt For cheap finance

Before you go out and spend money on the luxary car, you should hunt around usind a finance broker for a great finance deal.
5. Look For The Cheapest Travel

Try buyind a 4 cylinder car like a BMW or Mercedes. This will keep your costs down.
6. Buy The Cheapest Petrol

If you are driving a fait bit, then check out comparison websites like motormouth.com.au to find the cheapest petrol prices in your area.
7. Look For Secondhand Bargains

Before forking over for a brand new boat, you should see if you can hunt down a second hand boat for a few dollars less. It’s all out there, try to get the boat that suits your budget best.

We all are determined to spend less on the costs of running our Marine craft. We need to tighten our belts. Whether it is through eating out less, shopping less or traveling less, most try to cut costs in their life, timed to act now.

Your boat can be a great “boat” if you save money. By implementing some simple tips, you can save some serious cash by paying attention to your boats health.
After their homes, most people’s second-largest financial investment is their vehicle, then comes the boat, so helping it stay in good working order for as long as possible should be a top priority.

Since money is often tight in the given economy, you may be reluctant to spend on services or maintenance that you think can be put off at least for the short term. Such decisions, however, could potentially shorten the life of a boat motor, decrease its fuel efficiency or even put you and your family at risk.

To be prepared for the way ahead, here’s a simple checklist of tips you should perform to help keep your engine running longer, safer and more cost-effectively:

* Breathe Free:

Replacing a dirty air filter can increase a boats life expectancy and fuel efficiency by reducing the strain on the engine, especially during warmer months. Over the winter months, salt, sand and other impurities may build up in a boat motor’s air filtration system and could be robbing it of as much as 10 percent in fuel efficiency.

* Keep It Clean:

Consumers’ boats and marine craft are likely weathering the harsh conditions and corrosive elements associated with winter, including freezing rain, snow, ice, sand and salt. Keeping the hull clean will help protect them from the chemicals and dirt that may attack the finish and underside. Be sure to use quality cleaners and waxes specifically designed for handling a boat’s finish as regular dish soap will actually break down your wax and could harm the underlying paint.

* Keep It Flowing:

Oil is the lifeblood of the engine, helping to keep it running efficiently and effectively. Not sure what oil to use? Defer to a professional or use the grade of motor oil recommended by the Boat manufacturer to achieve optimum engine protection and fuel efficiency.