Enhancing the Interior and Exterior of Your Dodge Charger With Aftermarket Accessories

Are you an automotive trendsetter or a follower? If you are a trendsetter, continue restyling. On the other hand, if you are a follower, please follow me to the restyling zone where automotive dreams are made of. This is not Facebook or Twitter follow me, just follow me, so I can show you how to enhance the internal and external features of your Dodge Charger with the latest aftermarket accessories. Not all of us are gifted equally when it comes to automotive restyling. If you are among the few that don’t know how to style your Dodge Charger, follow these simple suggestions.

If you are looking ahead to enhance the look of your Dodge Charger in every new season with fresh collection, how is the idea of adding custom aftermarket grilles? If you look around or drive down the street, you will practically see a whole lot of Chargers or mistake a Dodge Avenger for a Dodge Charger. Reason why? A dodge Charger that is not supped up just look plain and boring. However, you can do something about it; start with replacing the stock grille. One of the first options in styling your Dodge Charger is replace the boring one-style-fits-all factory grille with aftermarket options. There are several grille offerings from top manufacturers such as E&G Classics, T-Rex Billets, Asanti, Giovanna, Carriage Works, Putco, Precision, SES Trims and MVP Styling.

If you are a showoff enthusiast, try enhancing the exterior of your Charger. Among the many options; Body Styling kits, rear trunks spoiler, and rear roof wing. If you like to bling bling, add a dash of chrome trims to the exterior with chrome door handle covers, fender trim moldings, chrome taillight bezel, fender or rocker vents, rocker panel moldings and chrome body side moldings. Projector headlights, high intensity definition (HID), LED taillights are not a bad idea in any one way. For you to really exhibit a different persona for your Dodge Charger, upgrading of your wheels is a must. 20 inch, 22 inch and 24 inch wheels will do the trick. You might not believe me, but adding a set of square fender port holes will cap the finishing touch to the exterior of your ride.

Adding body kits and chrome trims is just a phase of your Dodge Charge enhancement. You are welcome to go extreme. A custom paint job that includes flames, two tone paint or even candy paint is a possibility. How about a Lambo vertical kit or even a suicide door? Enhancing the exterior of your Charger has no boundary or limit. If you have unlimited funds or simply have a serious passion for your ride, you may also make some aggressive styling that requires you replacing the front end with a Chrysler 300 front. It is possible and do-able. Mind you, these are suggestions; don’t over do it, as too many cooks spoil the broil.

Are you done enhancing your Charger yet? Of course not; it is not over until the fat lady sings. Since you do not know which of the fat lady is going to sing, I suggest you start decorating the interior of your Charger right now. The interior is definitely the home away from home. And as such, add accessories that encompass style, security, convenience, comfort and protection in any order. For comfort, I recommend seat covers, floor mats, dash covers, cargo liners, sunshades and legal window tint. Also, try upgrading the electronics of your Charger. There are lots of choices; back up sensor alarm or back up alarm is not a bad idea. You are also welcome to add dash accents, upgrade the audio, video, speakers, GPS navigation system, or simple plug-ins for your iPod, cellular phone chargers or what have you.

The availability of the interior and exterior auto accessories in different styling option would help you to add freshness to your ride. Each of them is made up of different kinds of style to reflect different features. However, all of them are designed to give you the ultimate comfort and style that you might seek in enhancing your Dodge Charger. The key to enhancing the interior and exterior of your Charger is coordination. A coordinated styling will eliminate the frustrating decision of attempting to install all the above accessories at one time or any time when your appearance needs to make a statement.

Foreclosure – Dodging the Sword

Like “the Sword of Damocles,” the threat of foreclosure hangs over any mortgaged home until the mortgage is paid off. Fall behind on a few mortgage payments and your mortgage lender could foreclose.

Foreclosure is the process by which a lender or mortgage company vastly accelerates the monthly payments into one lump sum; declaring the mortgage immediately due in full. If you can’t pay the entire cost of the mortgage at the time of foreclosure the lender can seize your home and resell it.

If your former home is resold for less than the cost of your mortgage at foreclosure you’ll be responsible for the remaining unpaid balance. You could end up homeless, in further debt and have your credit destroyed – all in one fell swoop.

Despite the grim possibilities surrounding a potential foreclosure, don’t panic if you think you may miss a mortgage payment. Even if you’re in a financial slump there are many things you can do to avoid foreclosure.

The first thing you should do is consult with an attorney to find out what your legal rights are. You may need legal representation to ensure your rights are upheld. You should also contact the U.S. Department of Housing and Urban Development (HUD) at 1-800-569-4287. HUD can provide you with the phone numbers of many reputable housing counseling agencies. The agencies can give you vital information on housing assistance programs offered by the government, private institutions and community organizations.

Luckily for borrowers, most mortgage lenders don’t like to foreclose on homes. If your home is repossessed the lender takes the risk of not recouping the full mortgaged value of the home at resale; a prospect no lender looks forward to.

Before you ever acquire a mortgage you should find out if any of your potential lenders will be flexible with you if you ever end up in a financial crisis. The best lenders will work with you to help you get back on track and start making regular mortgage payments again.

If you end up having difficulties making your regularly scheduled mortgage payments you need to reply to any and all letters the lender may send you regarding the status of your loan. Ideally, you should contact your lender as soon as possible if you have any problems making your mortgage payments. Request the contact information for the lender’s loss mitigation or foreclosure department for further assistance.

If you can provide documentation to support your claim of financial hardship your lender may be able to provide you with some alternatives to help you get back on track in paying off your mortgage.

Some of these alternatives include:

Repayment Plans

If you qualify for a repayment plan, your lender may allow you to add a percentage of your missed payments to your monthly payment once you resume making your regularly scheduled mortgage payments.

Mortgage Modification

If you qualify for a mortgage modification you can refinance your mortgage, extend the term of your loan or both. This will allow you to pay lower monthly payments.

Special Forbearances

If you qualify for a special forbearance you may be able to reduce or even suspend your mortgage payments for a few months. You may qualify if you lost your job, have your income cut or your living expenses drastically increase.

Partial Claims

If you have a mortgage insured by the Federal Housing Administration (FHA) or Veterans Administration (VA) and your loan is between 4 months and 1 year overdue, your lender may file a partial claim with HUD. You may qualify for an interest free loan to pay off your late payments if you can afford to resume regular payments. HUD will place a lien on your home for the amount of the loan, payable when you either pay off your mortgage or sell your home.

Whatever you do, don’t move out of your home if you’re having problems paying off your mortgage. You may be disqualified for payment assistance if your home is considered abandoned.

If you end up way over your head financially and won’t be able to save your home, even with assistance, you can minimize the financial damage of foreclosure proceedings by doing one of the following:

Holding a Pre-Foreclosure Sale

If you qualify for a pre-foreclosure sale you can try to sell your home for fair market value and your lender may forgive any remaining mortgage balance if your home sells for less than you paid for it. HUD may reimburse the lender if you qualify for a pre-foreclosure from the agency. To qualify, your mortgage must be at least 2 months overdue and your income must be cut or your expenses increase due to no fault of your own. Under a pre-foreclosure agreement, you may have anywhere from 3 to 5 months to sell your home before foreclosure takes place.

Giving Back Your Home

If all your available options have failed you may qualify for giving back your “deed-in-lieu of foreclosure.” You will lose your home but your credit won’t be as negatively impacted as it would if a foreclosure took place.

Whatever you do, you should explore every available option to avoid foreclosure on your home. If you can’t “dodge the sword” of foreclosure, the consequences may negatively impact your life for years to come.

Legal Considerations Regarding the Regulation of Signs

A sign is defined by the International Code Council as any device visible from a public place that displays either commercial or noncommercial messages by means of graphic presentation of alphabetic or pictorial symbols or representations. There are significant legal considerations that affect governmental agencies’ ability to enforce sign regulations without having the proper sign codes and ordinances capable of passing constitutional tests and judicial scrutiny. There is a strong need for local lawmakers to be cognizant of the challenges that can be presented when the enforcement of sign codes and zoning ordinances cause citizen discontent and possibly lead to claims of unfair treatment under the law. Many business owners may attempt to litigate increased signage regulation by claiming unconstitutionality. It is imperative to ensure that the service that is provided, and the codes that are enforced, are beneficial and lawful.

There are many reasons why a wide variety of signs are regulated. They may range from purely aesthetical concerns to the desire to promote cohesive business advertising and even for purposes of safety. Unregulated signage often leads to visual blight, cluttered storefronts, which also assist in limiting visibility to interior of stores from the exterior, a concern for law enforcement. Uncontrolled signage may become inefficient, as well as, unpermitted signs may become dangerous if improperly installed.

Since Zoning and Code Enforcement Agencies are part of governmental bodies, the administrative actions that are taken are subject to basic constitutional checks. The First, Fifth and Fourteenth Amendments to the United States Constitution all have some relevance to signage regulation and personal rights. The most critical issue that is usually raised when applying constitutionality is whether or not a sign code attempts to regulate sign content. The First Amendment to the US Constitution states that “Congress shall make no law respecting an establishment of religion or prohibiting the free exercise thereof; or abridging the freedom of speech.” In order for a sign code or zoning regulation to pass strict scrutiny under the First Amendment, it needs to be content-neutral. Sign codes that are content-based may be problematic to enforce lawfully. In the case North Olmstead Chamber of Commerce, et al v. City of North Olmstead, State of Ohio, 2000, the Federal Court struck ruled a sign code unconstitutional when a directional sign in front of a business could contain the words such as “Enter Here” but could not display the McDonald’s “Golden Arches” logo or the words “Honda Service.” The court also cited the fact that the local government had interpreted another content-based provision of the code by prohibiting a Dodge dealership from displaying on its sign a corporate logo.

Based upon the ruling in this case if a sign code contains regulations or ordinances that define sings by their use, such as identification sign, information sign, etc., the only way to actually classify a sign may be by the content of the message on the sign and such codes are therefore content-based. Basically, a sign regulation may be considered to be unconstitutional when regulation of a sing requires the reading of the message. In order for a sign code to be considered constitutional it has to avoid regulating a particular viewpoint or amount to censorship. Most signs codes should therefore have certain signs as being classified as exempt or not requiring a permit, but requiring limits on number and size.

The application of the Fifth Constitutional Amendment that guarantees that “no person shall be…deprived or life, liberty, or property, without due process of law; nor shall private property be taken for public use, without just compensation” towards the regulation of signage deals with actual government takings of sign through physical removal or prohibition. This provision may apply to signs that were once lawful, but have been taken or made to be removed by codes that severely limit the ability for a business to communicate to customers. Additionally, on-premises signs may be treated differently than off-premises ones involved in required removal or condemnation and may be suitable for Fifth Amendment compensation. If a code is being changed to prevent once authorized signs, careful consideration should be given towards the grandfathering-in of previously existing signs or an amortization period for the removal of those signs. The jurisdiction may also opt to provide for the removal of such signs at no cost to the sign owner.

The Failure to provide certain requirements such as reasonable permit fees or clear permit standards and codes may constitute a violation of the Fourteenth Amendment. In addition, due process irregularities may also violation the First Amendment and render a code unenforceable. Problems such as lack of due process, unconstitutionality and restrictions on personal rights, may lead to the filing of lawsuits and result in unnecessary litigation with sign owners, business owners and sign companies.

In 2003 the City of Sunrise, Florida was sued for unconstitutional inconsistencies discovered in their sign code which ultimately allowed Coral Springs Street Systems, Inc. to construct a billboard within the cities’ jurisdiction. The attorney for the plaintiff pointed out that permits were not needed to display temporary political signs, but required for other similar signs and this sign company had also won similar lawsuits against three other South Florida municipalities.

In the 1994 case of Ladue v. Gilleo, 512 US 43, the court found that a city ordinance was not constitutional when it aimed at prohibiting the posting of political signs in residential neighborhoods. The issue of this particular case was that the code restricted speck without an adequate alternative for people of modest means to express themselves. Such is the case where prohibiting the display of a “For Sale” sign at a residence could be viewed as unconstitutional because all other options for expressing the same message would be inadequate because of cost and lower likelihood of reaching persons who were deliberately seeking the information. Sign codes will typically allow for these types of signs only restriction areas such as size and number while still allowing for the accomplishment of the goal of the sign owner.

Before the mid 1970’s very little constitutional protection was afforded to advertising classified as “commercial speech.” However, in 1980, the Central Hudson Gas and Electric v. Public Service Commission, 447 US 557, case defined the test for constitutionality of restrictions on commercial speech which became known as the “Central Hudson” test. This test asks four distinct questions that determine allowable restriction that may be placed on commercial speech:

1) Is the speech protected by the First Amendment

2) Is a substantial governmental interest being served

3) Will there be a direct benefit to a legitimate governmental interest

4) Is the regulation more restrictive than necessary

Of course prohibited language that relates to items such as obscenity and illegal activity, for example, would not be protected speech.

Conclusion

While sign codes may lawfully regulate the height, size, location and other characteristics of business signs, regulations that define signs based on their content or the message that they display may infringe on constitutional rights. In order to regulate signs that are placed in residential areas, the codes or ordinances need to focus on the areas that may be regulated, such as limiting the size and height of signs that may be placed at a residence. When regulating business signs, zoning laws which may be constitutional do not allow for a governmental entity to fully remove all economical use of property through the exercise of police powers via zoning regulations and sign ordinances. Since the business community does heavily influence local politics, it is important to strike a balance between needs of regulation and advertising.

This article was designed to provide accurate and authoritative information in regard to the subject matter covered. It was written with the understanding that the author is not engaged in rendering legal or other professional service. If legal advice or other expert assistance is required, the services of a competent professional person should be sought.