February 19, 2017 – Page 2

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Electronics Gadgets – 13-Plus Disclaimers and Disclaimer Templates to Keep You Out of Trouble

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Selling electronic gadgets can be a tricky business, because the products tend to be both physically fragile and can be prone to malfunction. One way to protect yourself is by using disclaimers.

Article Ref: S01GDR

Customers could begin returning defective gadgets in large numbers – disclaimers can protect you from being liable for a replacement or refund.

You must also look at packaging and your transit company’s shipping warranties, as deficient products and services in this regard can lead to damaged goods reaching the customer.

Some issues that may require disclaimers include:

* Laws in different countries

* Electronic standards used in different countries,

* Different operational methods

* The difficulty of installation

* Potential health hazards

A Typical Disclaimer

Usually labelled as Terms & Conditions, Important Terms, Disclaimers, Warranty and Exchange Information, or something similar. It’s usual to use several disclaimers to cover as many of your requirements as possible:

* Condition of the item being sold. Condition of the packaging.

* Shipment restrictions – which countries will you ship to? Is there a shipping warranty?

* Recommendations for restrictions on the products use – not to be used around pets or by small children, for example.

* Accepted payment methods.

* Availability of refunds, exchanges and warranties.

* Legal restrictions on the products use.

Disclaimer Examples

The following are somewhat random examples of disclaimers, all taken from eBay. Obviously, you’ll have to tailor each disclaimer to each product and your own shipping/payment/warranty/restriction needs.

** GSM Cell phones:

Online electronics gadgets sellers often need to add disclaimer notices to their cell phones because not all GSM cell phone network uses the same frequency.

With the traditional 2G and 2.5G networks there were four main frequencies: 850MHz, 900MHz, 1800MHz and 1900MHz.

Phones that used 900MHz, and 1800MHz bands traditionally worked in most countries (with the exception of the US, North America and US territories) while 850MHz and 1900MHz phones traditionally worked in the US, North America and US territories.

The 3G system has further compounded matters by working on a different frequency and not being compatible with some phones being produced now.

A good disclaimer for GSM cell phones would read as follows:

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NOTE: This product is compatible with GSM at the frequencies of 900MHz, 1800MHz. This cellphone will not work in North America.

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** Radar Scanners:

While radar scanners are popular, it is illegal to buy, or use them.

This is largely because their main purpose is to identify speed cameras or police officers to avoid speeding tickets. This essentially explains both its illegality and its popularity.

To cover yourself include the following disclaimer:

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NOTE: Certain countries prevent the use and ownership of these devices. You are solely responsible for finding out whether this product is legal to import and/or use in your country. We will send you the products you order and cannot accept any liability for customs issues or any implications of your ownership or usage of this device.

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** Ni-Cad Batteries:

Ni-Cad batteries have a memory, as a result they work better and have a longer lifespan if they are charged a certain way when they are first used.

As a result this would be a good disclaimer:

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NOTE: Ni-Cad batteries give their best performance if fully un-charged and charged three times after purchase.

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** Cell Phone/Wi-Fi/radio signal blockers:

Like radar detectors these items are not exactly legal in all situations. However, this doesn’t stop them being popular to certain people.

This is a suitable disclaimer to use with blockers:

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These devices may not be permissible to import into certain countries due to licensing of broadcast signals or other restrictions. Please check your country’s telecommunications regulations before placing your order.

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** Thermometers:

You’re not a health professional. The chances are the people buying these electronic gadgets from you won’t be either.

This won’t stop them blaming you if a loved one became seriously ill if they were ‘misdiagnosed’ because of a reading from a thermometer they brought from you.

To cover yourself include the following disclaimer:

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Note: This device is meant for personal uses only, please refer to a physician or health professional.

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** Breathalyzers:

We all know why people buy breathalyzers. It’s for them to check whether or not they are able to drive home, or whether they will need to catch a cab.

As a result, if they fly too close to the wind and get caught they’re going to try to use YOUR device in their defense.

This is a suitable disclaimer to use in this case:

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Note: This is a reference tool only and can not be used as a legal defense.

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** GPS Devices:

The type of disclaimers you need on GPS devices depend on the type of devices you are carrying and the level of support you are willing to give to customers.

If you are dealing with GPS receivers for example and are sourcing from a factory which offers GPS ready devices that don’t come with the necessary maps then you will need to let customers know that they will need to supply their own maps.

It is worth noting that very few vendors from China actually supply the genuine GPS map software and it may be worth getting a test order of a GPS receiver sent to yourself to make sure you’re not selling GPS devices with software that is cracked or a sample.

To cover yourself include the following disclaimer:

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The unit includes evaluation GPS software only. We recommend purchasing a GPS software package from your home country that best covers your region of the world.

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** GPS Trackers

A number of problems can arise from the sale of GPS trackers. If the tracker is small they can be used for nefarious purposes (maliciously keeping track of family members and loved ones for example). A customer may also expect to see GPS software when none is included.

As a result, you may want to include one of the two disclaimers:

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This model does not come with any GPS navigation map software

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Seller takes no responsibility for harm resulting from misuse of this item

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**Heart Rate Monitors:

You’re not a health professional. The chances are the people buying these electronic gadgets from you won’t be either.

This won’t stop them blaming you if a loved one became seriously ill if they were ‘misdiagnosed’ because of a reading from a thermometer they brought from you.

To cover yourself include the following disclaimer:

** Car DVD Players:

If you have ever dealt with car stereos (or anything else to do with cars or electronics) you’ll know how complicated they can be.

You’ll also know that the average consumer loves to blame you for their goof-ups.

As a result it may be a good idea to include this disclaimer with any car DVD players you sell

————————————————————————————————————

For optimum performance we recommend that you have this car DVD unit installed by a professional.

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** Spy Listening Devices:

While spy listening devices may seem cool it is illegal to use them in some locations and courts of law will not allow recordings from them to be used as evidence unless both parties taped have signed release forms.

To cover yourself include the following disclaimer:

** Fish Finders:

Fish are notoriously difficult to find. Even with a fish finder. As a result you will need to protect yourself in case somebody they complain that they haven’t been able to spot any fish.

To cover yourself include the following disclaimer:

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Seller takes no responsibility for environmental factors which may inhibit the performance of this device.

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** Chargers:

Regardless of whether you are selling a back-up battery or a solar charger there are always issues surrounding the connection type the voltage and the specific capacity of devices it is compatible with.

As a result you will need to list all the relevant details that apply to the charger you are listing and include the following disclaimer:

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This charger is only compatible with devices with the specifications listed. Please pay careful attention to the listing.

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** Spy Cameras with Audio:

While surveillance cameras are perfectly legal and respected cameras with audio devices are not.

To be used in a court of law both parties taped have signed release forms.

To cover yourself include the following disclaimer:

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NOTE: Certain countries prevent the use of recorded audio footage to be used as evidence in legal cases. You are solely responsible for learning and adhering to the standards of your country when using this product.

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** Car Electronics:

Depending on the age of electronics used in the car a number of issues may arise.

Most of these issues surround the compatibility between the device you are listing and the car that the potential buyer wants to put them in to.

You may want to include the following disclaimer:

————————————————————————————————————

This device is only compatible with devices with the specifications listed. Please pay careful attention to the listing.

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As I mentioned, these disclaimers are examples of what they should look like – you may want to write a disclaimer that suits your particular needs as a seller, taking into account the qualities of the product in question and both your location and the location of your customer.

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Source by Rose Li

The History of Automotive Repairs – Why We Need Trained Technicians in the Collision Repair Industry

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Vehicle History Overview

They don’t make them like they used to.

The First Cars

The first motor cars were nothing more than a buggy and engine (Generally repaired by blacksmiths and carpenters. These cars were very expensive, which only the wealthy could afford)
Model T was the first car mass production on an assembly line in 1908 (Ford’s Vision was to produce an affordable car the average person could purchase)
Model T’s came in black only to keep the costs down. (The price came down once the assembly line was streamlined, but in 1908, the cost for a Model T started at $825. By 1913 the cost of the car reduced to $550)

Cars in the 1960s

Cars were made the same basic way up through the 60s

Body Over Frame
Rear Wheel Drive (Same concept, but the cars were very big, bulky, and heavy)

Except people in the 60s wanted SPEED! They achieved this with Big Block Motors, which created a lot of Horsepower. (The Birth of Hotrods, Rat Fink, Flames, and Pin Striping).

Cars in the 1970s

The government place strict fuel economy and emissions control laws
Customers demanded cars with increased fuel economy
New laws and customer demands started the automotive explosion of engineering ideas and changes in the automotive industry

Changes to comply with Demands and Laws

Smaller bodied cars and smaller engines
Aerodynamics (Increase Fuel Mileage)
Lighter cars by using different materials and designs
More work-hardened areas created during formation of panel (Body Lines)
Safety

Construction of Interstate Highways + Higher Speed Limits + More High Performance Cars = Accidents and More

Deaths from Auto Accidents

Federal Laws were passed to regulate safety. These laws included:

Installation of seatbelts
Safety glass windshields
Head restraints
In 1979, the first driver side airbag was introduced
Airbags are mandatory in motor cars produced after 1990
Unibody Torque Boxes: Allow controlled twisting and crushing
Crush Zones: Made to collapse during collision (To act as an absorber, absorbing the impact)

Modern Day Cars

Carbon Fiber Parts
Aluminum Parts
More Plastic Parts
High Strength Steel
Boron Steel
Unibody Construction
Space Frame Construction
Computer
Hybrid Cars

Now they even have cars that will tell you when you’re lost, where to turn, Parallel Park for you.

Conclusion

While the modern day cars appear to be made cheap and unsafe, they are actually designed to crush or collapse, while transferring the energy around the stronger passenger compartment to protect the passengers from injury.

There is considerably more damage to modern day cars during a collision than the older vehicles, which gives the perception that “they don’t make them like they used to”. However, in reality the cars are taking the impact instead of the passengers.

The lesson was designed to give you a little history, but to also emphasize that just a hammer, dolly and a few wrenches are not going to repair today’s cars. We need highly trained collision repair and automotive technicians to repair today’s vehicles.

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Source by Donnie A Smith

Total Loss Vehicle Settlement – What Happens When Your Car Is Totaled

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In our last post I explained how your insurance company would likely determine if your vehicle was a total loss from a covered accident. Understanding how your company makes this determination is important, however, understanding how they will value your car is even more important.

Once your car is determined to be a complete loss, the process that follows can be confusing. I wanted to provide some insight, from an insurer’s perspective, that can help you get through the total loss process should you ever find yourself in that situation.

It is important to remember that, if your car is deemed a total loss, your carrier has a duty and obligation to pay you the ACV (Actual Cash Value) or fair market value for your vehicle. Understanding that, we want to be sure you are armed with solid & reliable information in the unfortunate event you find yourself in this situation.

The Value or ACV process:

The ACV or Actual Cash Value of your vehicle is a term that is meant to demonstrate & prove what the fair market value of your vehicle is on the date of the accident. Your carrier will have your car inspected, noting all options & features as well as estimating the condition of the vehicle prior to the accident. Below is a short list of some of the main variables involved when determining the value of your car:

Year, make & model
Features or upgrades on the car from the manufacturer
Is there aftermarket equipment on the car & if there is, does it add or detract from the market value
Condition rating: estimate of the condition of the vehicle prior to the accident
Mileage (this, as we all know, can have a substantial impact on value)

Your insurance carrier will then use a 3rd party, such as CCC, to secure a fair market value for your car. Here is a short list of things that a 3rd party will look at when estimating the value:

All of the vehicle details noted above
Your zip code, which tells them exactly where you live
Comps: most insurance companies will require at least 2 solid comparative vehicles

Note that where you live is important as vehicles can have different values based on where you live as the market (where you are) is what dictates what cars like yours would sell for at the time of the accident. Also note that the comps are how a price or value is determined as it is meant to convey what a vehicle like yours, same make/model/year, condition and features, would be worth in it’s pre-accident condition.

One question or issue that does come up at times is “there aren’t any vehicles exactly like mine where I live, now what?” In this scenario, most of the time the insurance company will then look for a vehicle that is a year newer than yours with similar features & in similar condition. It is usually not permitted to use an older vehicle as a comp in this case.

What if I don’t agree with the value?

This is most often one of the biggest challenges when trying to settle a total loss claim: I don’t agree with the valuation that my adjuster provided to me. It is ok, though, this happens frequently and if armed with good, accurate information, you can navigate your way through this. Here is how:

Request a copy of the valuation
Review the details and ensure it represents your vehicle: options, mileage, condition, etc.
If you feel the value is truly not accurate, do some research and find a few comps of your own, ensure they are accurate. Provide your supporting information to your carrier for consideration
If they don’t move, advise you are formally disputing the valuation.
Request that your insurance company issues payment for the “undisputed amount”
Secure your own independent valuation, your insurance company will get one of their own
The two of you will then come together and compare the valuations and reach a resolution

I know, you now have a few more questions, thought you might. Let’s address those:

What do you mean by “undisputed amount?” You don’t want your claim halted and, if you have rental coverage and are in a rental car, most insurance companies will only extend rental for a few days after they have made an offer to you to settle your total loss. The undisputed amount example: Valuation comes in at $20,000 but feel your car has a market value of $24,000 but are not disputing it is worth at least the $20,000. So, you accept the $20,000 but continue with the process. This will not prevent you from collecting more money should it be supported but it does get you something right now.

If you dispute the value and go down that path, you will have to, at your own cost, have an independent market valuation completed on your car. There are some great companies out there to help you, such as http://www.iada.org/.

I highly recommend that you work directly with your insurance company directly to resolve a dispute like this. Remember, this is a negotiation based on some subjective supporting evidence and some objective information as well, such as the make, model, year and features. The insurance carriers want to settle your claim and will, most of the time, be reasonable and work with you to settle your claim.

In addition, I strongly suggest you review your policy before going down the dispute path so you understand exactly what your policy states as it relates to this type of claim. All policies and companies have differences, some subtle and some not. Your policy will be the guiding rule over your claim so it is important to understand what it says and what your rights are.

You can also refer to your state’s Department of Insurance site to see if your state has specific rules and laws as it relates to the handling of a first party total loss claim.

So, in summary, hopefully now you have a better understanding of how a value is obtained, you also have an idea on what you can do if you happen to disagree with the value. Just remember to be sure you are able to support your dispute in value with solid information if you want your company to consider your position. And, recall, this IS a negotiation so be calm and deliberate with your argument and information. I can almost guarantee it will lead to a fair resolution of your total loss claim.

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Source by Marc R Berry

Why Won’t My Diesel Start?

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What It Takes To Make a Diesel Run

There are only three things that are needed to make a diesel run;.

(1) Heat from compression,

(2) Fuel at the Right time and pressure.

(3) Sufficient crank shaft speed to provide the compression. The engine must also have sufficient air.

A diesel in the purist form is a very simple engine.

What makes a diesel hard to start?

If the fuel is not injected into the cylinder at the correct time the engine will be very difficult to start. The fuel needs to be injected before the piston reaches top dead center to create a flame front in the cylinder. The timing is critical for correct engine operation.

If the fuel injection pressure is not sufficient the engine will be hard to start. Injection pressure is difficult to test and usually manifest it self in hard starting, lack of power and sometimes smoke from unburned fuel.

The engine must crank at sufficient speed to provide the necessary compression, heat in the cylinder to ignite the fuel. Many hard starting problems with diesel engines can be attributed to a poorly functioning starter.

How can I the do it yourselfer check some of these things?

If you own a diesel and are going to work on it, it might be worth while to invest in the tools to set the fuel injection timing. There are many methods of setting the timing of a diesel. Some older diesels use a drip tube. The V.W. diesels us a dial indicator for checking pump plunger travel on the IDI engines (Indirect Injection). Some of the Cummings diesels are timed in the same manner. Some of the new diesels are timed using a scan tool to inter face with the engine management computer.

If you are going to work on your diesel, buy a book, preferably the factory manual.

You can check to see if all fuel filters are clean.

You can check to see if your glow plugs are working. The best method that I have found to check glow plugs is to use a direct current (DC) amp clamp. This is a meter that clamps over a wire and read the amount of current flowing through it. Most glow plugs pull about 9 amps after the initial surge. You can get the correct figure from the manufactures technical data. DC amp clamps are a lot cheaper now than they were in the past. I bought the small hand held unit that our shop uses for Sears for under $50.00. If you use starting fluid in a diesel with glow plugs it nearly always burns out the glow plugs even if they are new ones.

The amp clamp that you bought to check your glow plugs is a good tool to check your starter. Measure the current draw of the starter and compare it to the manufacturers specifications. Any thing beyond these simple things will require specialized tools and knowledge.

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Source by Charles Evans

Describe the Utilisation of Coconut Shells

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The coconut shell is the strongest part of the coconut fruit. It is sandwiched between the flesh or meat of the coconut and coconut husk. The coconut meat inside will get easily damaged when the shell is broken. This is because the shell is the protective layer of the coconut.

It is considered as a God’s gift because you can use all its parts. There is absolutely no waste. While the tender coconut water is a health drink that is truly refreshing, the coconut meat is nutritious and tasty and can be used to make delicious curries. The coconut husk is used to make ropes, carpets, doormats, brushes, car seat covers, and bristles.

While the coconut meat is smooth and milky white, the husk is a fibrous material. It is rough and won’t get damaged easily if it gets into contact with water.

Similarly, the shell also has several amazing uses. We list out some of them.

Coconut shell handicrafts

It is used to make a number of handicraft items, which are in demand all over the world. Coconut shell creations have many takers since the shell is quite sturdy and eco-friendly. It’s handicraft industry is minting money in tropical countries, where tourism industry is thriving. It is ideal for handicrafts as they last long.

It’s used as a fuel

Apart from its decorative use, the charcoal we get when we burn shells is used as fuel. When compared to other charcoals the charcoal we obtain from coconut shell is considered far superior.

Industrial use

The charcoal is extensively used to make active carbon. Active carbon is charcoal that is treated with oxygen, and it is mostly used to get rid of dirt, and several industries use it for purification work. It is also used to brush and whiten teeth after mixing it with water. That is the reason why you see many leading toothpaste brands advertising their products as “charcoal-based”.

When compared to charcoals produced from other sources charcoal created from coconut shell is clean and is of high quality. As coconut trees grow abundantly in India as well as Sri Lanka various plants in these countries produce active carbon.

Beauty applications

Activated carbon produced using coconut shell charcoal has many industrial and beauty applications. Matured one’s are used to get high quality coconut charcoal.

The charcoal is used for barbecuing and grilling as it has a pleasant smell. The cosmetic industry mixes charcoal with thickening agents to produce various gels and creams for the skin.

Musical instruments & sound effects

Half coconut shells were used to make sound effects of a horse’s hoof beats in Hollywood films like the Holy Grail and Monty Python. The base of certain Chinese musical instruments like yea-hu and ban-hu is made using coconut shells.

Fashion accessories

The coconut shell can also be carved out to make fashion accessories like earrings, bangles, necklaces, pendants, and so on. These are also used to make buttons in Hawaii.

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Source by Amy Anderson Lee