Wholesale – What Exactly is a Wholesale Distributor?

The term wholesale refers to any vendor who sells products to anyone other than the typical end consumer. Wholesalers sell their goods to business or professional users, retail stores, industrial, institutional or commercial clients, or to other wholesalers. Wholesalers may also act as a broker or agent for others wishing to purchase or sell merchandise. This merchandise can include either new or used goods or products. These vendors can either work from their own, independent locations, or can gather with other wholesalers in a specialized “wholesalers marketplace”. Currently, with the influx of trading on the internet, wholesalers have broken into the new market of e-commerce.

Wholesale vendors typically buy and large lots or bulk and sell in smaller pieces or groupings. Most of the time, wholesalers are not required to gather and pay sales tax, but on occasion, and based on location, may be required to pay a specialized wholesaler tax. Wholesalers may offer a small range of products, all made by the same manufacturer, or may offer to their clients thousands of items manufactured by many different producers. These products can include components of other end user items, such as electronic or automobile parts, or they may be the finished product, ready for consumer purchase.

Trade companies dealing in the wholesale market are critical to a healthy economy. Wholesalers provide governments, institutions and businesses a readymade, convenient and wide variety and source of goods, which allow the buyers to minimize housing of stock. Manufacturing companies rely on wholesalers to market and distribute their goods, which frees up their resources to do other mission critical tasks. Wholesalers also take on tasks of customer service, transaction processing and technical support. Some wholesalers even offer services to their customer base, such as financing, advertising, advising as well as repair and installation services.

There are two types of wholesalers. Merchant wholesalers buy products in bulk or lots, and take ownership of the goods prior to resale. Individual sales branches and offices of certain manufacturing companies also fall into this category. Merchant wholesalers deal in durable goods which have a shelf life of more than three years, including automobiles, furniture, sporting goods, parts and toys. They also buy and sell non durable goods, including groceries, drugs, gas, alcohol and books. The wholesale electronic markets, agents and brokers handle sales for others based on a commission or fee basis. They usually will never take official ownership of the goods.…

Total Car or Not – 5 Tips so Your Carrier Declares a Total Loss

Your total car is sitting in the backyard when you get a
telephone call from your insurance adjuster. They will fix your car! In many
occasions this is good news, but when your car is nearly destroyed, and the
insurance company wants to patch it together and give it back to you, then
you've got a problem.

Think about it. The car will never be the same. If you want
to trade it in or sell it, you will probably have to take a substantial
reduction in price to be able to get rid of it. You also need to consider the
safety aspect of the car. Will your car ever be as safe as it was before the

In most accidents, cars can be fixed with no major
problems, but when you have a total car (or you are almost there) and the
insurance company will repair it and return it to you, you can be faced with an
uphill battle.

Insurance adjusters decide if you have a total car or a
fixable car. They need to first determine the value of the car and then
determine if the repair estimate is less than 70, 80, or even 90% of the car's
value. So how do you protect yourself? Here are five simple tips.

Tip # 1: Ask for the repair estimate. Getting the
repair estimate will show you what the insurance company thinks is wrong with
your car. Review the estimate. Make sure the car will be painted and that all
the necessary parts to fix it are accounted for. If you do not know mechanics
that well, take that estimate to another shop and ask them to review it. You
will be surprised when other shops will tell you that your car should not be

Tip # 2: Make sure you have the insurance company
account for all the cost associated with fixing the car before they start
working in your car. Have them account for all the parts and the shipping cost.
Make sure that the parts they are buying are actually in inventory. In many
cases, insurance adjusters price a part, but can not find it. This will make you
wait longer and they would have to pay for more rental.

Tip # 3: Ask for a "tear down" so you know that
there is not a total car but a car that can be properly fixed. When insurance
adjusters and body shops write estimates, the do not get under the damaged
parts. They only look and estimate the damage that is visible. A tear down is
the process of taking off all the damage parts and looking to see if the parts
below are also damaged. More often than not, hidden damage will appear, and this
will make the estimate of damages higher and taking you closer to a total car.

Insurance companies do not want to pay for this tear down.
But if you insist, they will pay for it. This …

A Guide to Fuel Injector Cleaning – Methods and Precautions

The purpose of fuel injector cleaning is to remove the buildup of fuel varnish deposits and contaminants that clog injectors and affect their operation. They need periodic cleaning for optimal operation. Experts recommend fuel injector cleaning every 25,000 to 30,000 miles or once a year.

Fuel injector cleaning not only improves functionality but also helps restore and improve engine’s performance, reduce emissions and improve fuel economy.

One good thing in fuel injector cleaning is you can do it all by yourself, without the help of an auto mechanic. However, if the injector is badly clogged, you may need to take his help. Let’s take a look at the different methods used in the cleaning.

Method#1: Using fuel injector cleaning kits

Fuel injector cleaning kits are available at any auto supply store. Before connecting the kit, locate the fuel injector and take measures to prevent fuel entering the injectors. You can do this either by using tubing to bypass the fuel injector so that the fuel returns to the tank or by removing the fuel pump and blocking the fuel return line. Once it is done, disconnect the fuel pressure regulator.

Now, connect the cleaning kit to the fuel input port and remove fuel cap of the tank to release any pressure in the tank that may built up by the kit. Open the cleaning kit’s valve till its pressure value matches with the injection pressure value (you can find injection pressure value of your car’s engine from the manual).

Once the cleaning kit reaches the required pressure value, start the engine so that the cleaning solvent passes from the kit through the injector and removes the dirt and debris that clogged the fuel injector. This will take a few minutes. Once it is done, switch off the engine, remove the kit and reconnect the fuel lines, fuel pump and fuel pressure regulator. With this, the cleaning job is done. You can notice significant difference in your engine’s performance after the clean-up.

Method#2: Adding cleaner additives to the fuel

Adding cleaner additives, also called as detergents or deposit-control additives, to the fuel helps to control the dirt and debris accumulation in the fuel tank. These additives help reduce the volatility of lighter components of the fuel. Though, the fuel from gas stations do contain certain additives, some suppliers may not add the required amount of detergents; some even use use low cost, less effective alternatives. So, you need to add additional additives to fuel.

One of the commonly used best additives is polyetheramine (PEA). Though it is a bit expensive compared to others, it is proved to be effective in keeping the injectors, valves and combustion chamber clean and it does not require any additional fluidizers.

Method#3: Manual cleaning

On-car cleaning may not be that effective for a badly clogged injector because it cannot pass the cleaning solvent during the cleaning cycle. So, when on-car cleaning doesn’t work you can for off-car cleaning, which involves removing the injector from the vehicle …

RV Financing Frequently Asked Questions

It’s that time of the year again, when many people are considering purchasing an RV. When I was a sales manager and finance manager for an RV dealership I would get asked lots of questions about financing RV’s. I organized some of these questions and included them in the RV financing section of my book, “The RV Book”. Here is an excerpt from my book on RV financing FAQ.

Will one RV lender offer better interest rates than another RV lender?

Interest rates change frequently. If the prime rate goes up RV finance rates will go up too. RV lenders send updated rate sheets to RV dealers whenever their finance rates change. RV specialty lenders watch each other closely and if one lender lowers rates the other lenders will generally follow suit. They will usually stay within a quarter to a half point of each other.

Are there other factors that will determine what interest rate I get?

Yes, there are several factors that will determine the rate you get.

1) It depends if the RV is new or used. A used RV (normally over 3 or 4 years old) will get a higher interest rate than a new RV.

2) Your down payment will affect your interest rate. If you finance the RV on a zero down program the interest rate will be higher.

3) The term of the loan will affect the interest rate. The shorter the term the higher the rate, the longer the term the lower the rate.

4) The amount financed will affect the interest rate. The lower the dollar amount the higher the rate, the higher the dollar amount the lower the rate.

5) Your credit history (credit rating or score) will affect the rate. The higher your credit score is the lower the interest rate will be.

Should I shop around for a better rate, or will the rate a dealer offers be the best rate I can get?

You should be aware of what the current rates are for RV loans, and based on the criteria listed determine if you are getting the best possible rate you can get. If you think you qualify for a lower rate, by all means try securing a better rate elsewhere. There are several RV specialty lenders on the internet that would like your business and will offer competitive rates. Do not however let too many lenders run a credit check on you to try and get a lower rate. This can backfire so be selective about who, and how often your credit is being checked.

Can you explain more about financing an RV with no money down?

There are usually a couple of RV lenders that will offer no money down finance programs. These programs will have certain guidelines to qualify. The type of RV, dollar amount, term of the loan and your credit rating can all factor into these types of programs. The finance rate will usually be higher too.

What length of term

World Oil Deals – Finding Authentic Petroleum Products Suppliers, Qualities of Authentic Oil Sellers


In world oil deals involving the crude oil and petroleum products trading, especially in the so-called international “secondary” market, probably the single most fundamental and most thorny common problem which legitimate buyers frequently confront today, is the issue of the genuineness and authenticity of the supplier of product and the sales offer he presents. The central source of that problem can be summed up in one word – namely, most persons or entities who claim via the Internet to be oil or petroleum products suppliers or “sellers,” or to be suppliers of other similar commodities, either provide NO proofs or evidence at all of that, or provide proofs or evidence that are often absolutely meaningless because they’re unverified and unverifiable. Put very simply, for the serious or credible Internet buyer involved in the world oil deals seeking to find genuine suppliers, there are generally just NO duly VERIFIABLE authentic oil and petroleum products suppliers or trade offers in the so-called “secondary” market.

For the serious oil buyer, the problem is particularly acute and compounded by the fact that almost all “sellers” (or suppliers), or their brokers or intermediaries, that one meets on the Internet, are essentially unknown, unestablished dealers who lack any name, reputation or identity, or any known location on the planet, and lack any record or history of past performance in doing the business. In consequence, the serious buyer is often being asked — and actually being realistically expected — to, in effect, merely take “the word” of some dubious, anonymous, unidentified and apparently unidentifiable, phantom “seller” or “supplier” for it, with no credible supporting evidence provided, and no verification or authentication whatsoever of the Internet seller’s offer or claims. He’s being asked — and actually being expected — to risk, or, rather, to gamble away, his hard-earned mini-fortune of some $200 million merely on such a “word.”! This, it should be added, is being expected of the buyer in a business environment and climate that is patently awash in fraud and a network of notorious scammers worldwide!


Yet, probably the most sacred, inviolable credo of any respected experts or trading practitioners ‘in the know,’ is that no responsible buyer (or seller) may seriously entertain or consider a trade offer UNLESS he has first examined and verified it to be genuine, and first confirmed that the party selling or supplying it is real. In sum, when it comes to the business of world oil deals, finding authentic petroleum products suppliers that can provide some credible tangible proofs or evidence of being one, and which are actually verifiable, is the central, Number #1 need and requirement of any prudent and credible buyer.

As Davide Papa, a respected expert on the proper methodology and procedures of modern trading and the co-author with Lona Elliot of “International Trade & Successful Intermediary,” put it: “The golden rule of trading is this: never offer goods to anyone …