Ink cartridges - shopping online
Getting ready to buy printer ink cartridges online? It really is amazing how much you can save versus store bought ink cartidges. The ability to compare prices really makes shopping online a sweet deal. There are however a few things you should look for in an online printer supply store before buying those ink cartridges.
The first thing you want is a low price. To determine this you will need to comparison shop. This can be fun. The next thing to consider is the store's reputation. You can find that out by looking them up in the search engines and by checking sites like Bizrate.com to see if they are listed and what their rating is. You want a store that ships a great product quickly, and handles any problems quickly and to the customers satisfaction.
Another very important thing to consider is the strength of any money back guarantee on printer supplies sold. You should be able to return ink cartridges that you are not happy with over a reasonable period of time for a full refund.
Lastly, consider the shipping policies. Do they ship for free? Can you qualify for free shipping if you spend some amount? This is important because shipping costs can eat into your savings.
So, you basically want the best combination of these qualities with your online ink cartridge store. This way you can save on high quality printer supplies and get to what the whole point of this is - low cost quality printing.
About the Author
Learn more about printer ink cartridges
Written by: Tom
31 July, 2009
30 July, 2009
Finance The New Feminism
Sisters are insuring themselves: how finance is the new feminism
According to a study by LifeSearch, the number of women in the UK buying life insurance in the UK has doubled over the last six years. As women are increasingly closing the gender related pay gap and even becoming the main breadwinners in a household, they are also becoming more vigilant about their finances and less financially dependent on their partners.
Linda Tyson, a policy advisor for LifeSearch stated that the increase was attributed to the “growing awareness of the importance of protecting the financial stability of the family. More and more women are either the main or only breadwinner and are realising the importance of protecting their incomes.”
An additional advantage for women is upon applying for cover, they pay less in premiums than men, which is additional money to save, invest or spend on holiday with the girls. This reduction in premiums is based on the fact that women live an additional seven years longer than men. Insurance companies deem men a greater insurance risk when it comes to life insurance. In general, a woman pays 25% to 35% less than a man.
The most cost effective way to buy life insurance is term cover, which allows for a lump sum to be paid out over a given period upon the death of the policy holder. The lump sum will protect the partner or family and the extent of the cover will vary on how much the policy holder wishes to invest and length of time over which they wish to invest it.
Alternatively, there is the option of whole-of-life insurance, in which case a lump sum will be paid out upon the death of the policy holder – whenever that happens. Given that the payout is guaranteed, the premiums for this type of life insurance are much higher, although women still pay less than men.
Websites such as moneynet provide an easy method for women to review different life insurance policies, the risks and associated costs and given that the ratio of male to female web users is almost 50:50, it’s not surprising that women have the web (and their finances) under their thumb.
Resources
Channel 4 Money
Moneynet Life Insurance
Women and life insurance
About Rachel:
Rachel is a straight talking little lady who lives in the Scottish hills. She survives on a diet of Irn Bru and haggis, which allows her to see wild animals in the night and roast them with her fiery breath. Rachel also writes for the personal finance blog Cashzilla: a wee bit of banter on finance related issues.
Web: http://www.cashzilla.co.uk
E-mail: rachel@positiveinterest.com
Phone: 0131 561 2251Written by: cashzilla
According to a study by LifeSearch, the number of women in the UK buying life insurance in the UK has doubled over the last six years. As women are increasingly closing the gender related pay gap and even becoming the main breadwinners in a household, they are also becoming more vigilant about their finances and less financially dependent on their partners.
Linda Tyson, a policy advisor for LifeSearch stated that the increase was attributed to the “growing awareness of the importance of protecting the financial stability of the family. More and more women are either the main or only breadwinner and are realising the importance of protecting their incomes.”
An additional advantage for women is upon applying for cover, they pay less in premiums than men, which is additional money to save, invest or spend on holiday with the girls. This reduction in premiums is based on the fact that women live an additional seven years longer than men. Insurance companies deem men a greater insurance risk when it comes to life insurance. In general, a woman pays 25% to 35% less than a man.
The most cost effective way to buy life insurance is term cover, which allows for a lump sum to be paid out over a given period upon the death of the policy holder. The lump sum will protect the partner or family and the extent of the cover will vary on how much the policy holder wishes to invest and length of time over which they wish to invest it.
Alternatively, there is the option of whole-of-life insurance, in which case a lump sum will be paid out upon the death of the policy holder – whenever that happens. Given that the payout is guaranteed, the premiums for this type of life insurance are much higher, although women still pay less than men.
Websites such as moneynet provide an easy method for women to review different life insurance policies, the risks and associated costs and given that the ratio of male to female web users is almost 50:50, it’s not surprising that women have the web (and their finances) under their thumb.
Resources
Channel 4 Money
Moneynet Life Insurance
Women and life insurance
About Rachel:
Rachel is a straight talking little lady who lives in the Scottish hills. She survives on a diet of Irn Bru and haggis, which allows her to see wild animals in the night and roast them with her fiery breath. Rachel also writes for the personal finance blog Cashzilla: a wee bit of banter on finance related issues.
Web: http://www.cashzilla.co.uk
E-mail: rachel@positiveinterest.com
Phone: 0131 561 2251Written by: cashzilla
29 July, 2009
Travel To Turkey And Greece
The Traveller Next Door: My Friend Carol - Expert on Turkey and Greece, (2)
5. You also spent a significant amount of time in Turkey. Please tell us where and how did that come about?
The first time I visited Turkey was July of 1978. My travel companions were two gay friends, one from Jordan and one from Britain. We took various buses to Jordan from Athens and stopped in Turkey and Syria on the way. What a trip! It was the year "Midnight Express" came out, a movie that didn't show Turkey in a favourable light at all, and Turkey did not seem the most desirable country to go to.
I knew nothing of Turkey, and imagined a country of "swarthy mustached barbarians", the typical stereotype. How wrong I was!
Back in Canada I eventually became a highschool math teacher. After 4 years I had enough and quit. I wanted to work in Greece for a year, but there was a problem with work permits. A friend phoned me in March of 1989 and told me he saw an ad in the Globe and Mail for English and Math teachers in Istanbul. I applied because I figured it was close to Greece. I was hired and off I went to Istanbul with 13 other Canadians to work in a private high school. Little did I know that it was in the far suburbs of Istanbul.
We were given apartments by the sea, with a view of the Princes' Islands. But we were isolated, no TV, no telephone, no English newspapers in our suburb. Work was difficult: 38 students in each of our 6 classes. And nothing to do at night.
I almost came home in March of 1990. But I started to be enamored with Istanbul during that summer and decided to come back and work in the center of the city. After one year back in Canada I did just that and stayed until December of 1998.
6. What was it like living and working in Turkey?
Living in Turkey was hard at first because of the language barrier. It became easier once we found our way around and learned some Turkish. I discovered many of the teenagers did speak English. And then it became very easy, because the Turks were so helpful. I never worried about finding my way. If I asked there was always a Turk to show me or take me where I wanted to go. Even when I didn't ask and looked lost. Turks really like foreigners. My neighbour sometimes looked at me as if I were from outer space. But my last neighbours were the best I ever had, so generous and kind.
Because I couldn't afford expensive apartments I lived many times without central heat. I wasn't used to being so cold in the winter. Now though many apartments have gas heating. Also in 1993, there was a water shortage for 400 days! More than a year! Our water was shut off most of the time, except every second evening and morning, and was never on during the weekend. We had to save water in containers. I had a lot of watermelon, hot dogs and pizza.
Electricity cuts were also quite common. One day we went for 3 days straight without any electricity. All the food in the freezers got spoiled.
A lot of things didn't work right, but a lot things did. It was easy to get anything fixed, for example. There were repair shops everywhere since the poor couldn't afford to buy new things.
Istanbul had a few malls, and lots of stores, but I bought many things from the vendors on the streets, trains and ferries. There was action everywhere. There were few beggars, the very poor held shoe-shining jobs, sold tissues, balloons, chicklets, lemonade, cold water, cucumber pieces, watermelon - anything to make a buck. I especially liked the pickle vendors.
You could also shop from your home, on the street a different vendor would walk by and utter a special call announcing his arrival, for example the plumber, the guys who collected old metal, the yoghurt man, the tomato and vegetable man, the used furniture man, the potato and onion man who came in a horse and cart, a man who sold a special millet drink in the winter. His call sounded like the word "boze", which he sang in a special melody, which I loved.
Another thing I loved were the movers. If you needed a pick-up truck, you just went to the intersection where they congregated and bargained a price, no booking ahead required.
Teaching in Turkey was a bit different than teaching in Canada, for the first years we only taught 3 ½ days of the week. This was fantastic. Then the Turks got "smart" and realized no other country did this.
I found teenagers to be the same everywhere. The students were no different really than here. The 11 year olds - my favourite group - were "younger" in maturity than here, which was nice to see. They seemed to grow up more slowly there. No drugs in high school. Many schools had a system where the students did an extra year after Grade 6 to learn English intensively for a year. Now they learn from kindergarten.
The system of testing was a bit different and more bureaucratic. Each class had 6 big common tests per course, which were taken during the regular school time. One thing I thought was very strange, was that the foreign teachers had to go to the general meetings which were held in Turkish.
I taught in 3 different high schools, my second was a charity-funded boarding school for children without fathers - wonderful kids. My last school was in the center of Istanbul and I had the privilege of working with an excellent team of English teachers, both foreign and Turkish, of which many have become friends. I was there 4 years, it was hard to leave then, but I visit now every year.
7. What can you tell us about the mentality of people in Turkey?
The mentality of the Turks is a whole topic within itself. Most Turks are poor, although there is a slowly rising middle class. They must work hard to survive, there is not much time for play. Turks tend to live for the moment because of this. When they are asked to do something, they tend to say what they think will make you happy, whether it is true or not. That took me a long time to get used to. Eventually they do get things done, but not at "your" time.
They are not a country to protest, I guess because of their politics. They are a quiet people who spend a lot of time waiting or lining up for things. It seems they have resigned themselves that if they are vocal still nothing will happen. One exception to this is their love of honking when driving. But still nothing much happens. My head of department waited 14 years for his home telephone. Now that's patience! That was a long time ago though and the world of technology has changed. Ironically Istanbul had way more bank machines than Toronto in 1989. And now everyone has a cell phone.
Because it is a poor country, my wallet was stolen 4 times and my TV and pay-TV decoder were stolen once from my house while I was sleeping. If you plan on visiting, watch your wallet.
About the author:
Susanne Pacher is the publisher of www.travelandtransitions.com It deals with travel to foreign countries and is chock full of advice, tips, real life travel experiences, interviews with travellers, insights, cross-cultural issues, and many other features. Participate in our travel story contest and win great prizes, a fabulous cruise to the Amazon. Life is a Journey - Explore New Horizons.
Written by: Susanne Pacher
5. You also spent a significant amount of time in Turkey. Please tell us where and how did that come about?
The first time I visited Turkey was July of 1978. My travel companions were two gay friends, one from Jordan and one from Britain. We took various buses to Jordan from Athens and stopped in Turkey and Syria on the way. What a trip! It was the year "Midnight Express" came out, a movie that didn't show Turkey in a favourable light at all, and Turkey did not seem the most desirable country to go to.
I knew nothing of Turkey, and imagined a country of "swarthy mustached barbarians", the typical stereotype. How wrong I was!
Back in Canada I eventually became a highschool math teacher. After 4 years I had enough and quit. I wanted to work in Greece for a year, but there was a problem with work permits. A friend phoned me in March of 1989 and told me he saw an ad in the Globe and Mail for English and Math teachers in Istanbul. I applied because I figured it was close to Greece. I was hired and off I went to Istanbul with 13 other Canadians to work in a private high school. Little did I know that it was in the far suburbs of Istanbul.
We were given apartments by the sea, with a view of the Princes' Islands. But we were isolated, no TV, no telephone, no English newspapers in our suburb. Work was difficult: 38 students in each of our 6 classes. And nothing to do at night.
I almost came home in March of 1990. But I started to be enamored with Istanbul during that summer and decided to come back and work in the center of the city. After one year back in Canada I did just that and stayed until December of 1998.
6. What was it like living and working in Turkey?
Living in Turkey was hard at first because of the language barrier. It became easier once we found our way around and learned some Turkish. I discovered many of the teenagers did speak English. And then it became very easy, because the Turks were so helpful. I never worried about finding my way. If I asked there was always a Turk to show me or take me where I wanted to go. Even when I didn't ask and looked lost. Turks really like foreigners. My neighbour sometimes looked at me as if I were from outer space. But my last neighbours were the best I ever had, so generous and kind.
Because I couldn't afford expensive apartments I lived many times without central heat. I wasn't used to being so cold in the winter. Now though many apartments have gas heating. Also in 1993, there was a water shortage for 400 days! More than a year! Our water was shut off most of the time, except every second evening and morning, and was never on during the weekend. We had to save water in containers. I had a lot of watermelon, hot dogs and pizza.
Electricity cuts were also quite common. One day we went for 3 days straight without any electricity. All the food in the freezers got spoiled.
A lot of things didn't work right, but a lot things did. It was easy to get anything fixed, for example. There were repair shops everywhere since the poor couldn't afford to buy new things.
Istanbul had a few malls, and lots of stores, but I bought many things from the vendors on the streets, trains and ferries. There was action everywhere. There were few beggars, the very poor held shoe-shining jobs, sold tissues, balloons, chicklets, lemonade, cold water, cucumber pieces, watermelon - anything to make a buck. I especially liked the pickle vendors.
You could also shop from your home, on the street a different vendor would walk by and utter a special call announcing his arrival, for example the plumber, the guys who collected old metal, the yoghurt man, the tomato and vegetable man, the used furniture man, the potato and onion man who came in a horse and cart, a man who sold a special millet drink in the winter. His call sounded like the word "boze", which he sang in a special melody, which I loved.
Another thing I loved were the movers. If you needed a pick-up truck, you just went to the intersection where they congregated and bargained a price, no booking ahead required.
Teaching in Turkey was a bit different than teaching in Canada, for the first years we only taught 3 ½ days of the week. This was fantastic. Then the Turks got "smart" and realized no other country did this.
I found teenagers to be the same everywhere. The students were no different really than here. The 11 year olds - my favourite group - were "younger" in maturity than here, which was nice to see. They seemed to grow up more slowly there. No drugs in high school. Many schools had a system where the students did an extra year after Grade 6 to learn English intensively for a year. Now they learn from kindergarten.
The system of testing was a bit different and more bureaucratic. Each class had 6 big common tests per course, which were taken during the regular school time. One thing I thought was very strange, was that the foreign teachers had to go to the general meetings which were held in Turkish.
I taught in 3 different high schools, my second was a charity-funded boarding school for children without fathers - wonderful kids. My last school was in the center of Istanbul and I had the privilege of working with an excellent team of English teachers, both foreign and Turkish, of which many have become friends. I was there 4 years, it was hard to leave then, but I visit now every year.
7. What can you tell us about the mentality of people in Turkey?
The mentality of the Turks is a whole topic within itself. Most Turks are poor, although there is a slowly rising middle class. They must work hard to survive, there is not much time for play. Turks tend to live for the moment because of this. When they are asked to do something, they tend to say what they think will make you happy, whether it is true or not. That took me a long time to get used to. Eventually they do get things done, but not at "your" time.
They are not a country to protest, I guess because of their politics. They are a quiet people who spend a lot of time waiting or lining up for things. It seems they have resigned themselves that if they are vocal still nothing will happen. One exception to this is their love of honking when driving. But still nothing much happens. My head of department waited 14 years for his home telephone. Now that's patience! That was a long time ago though and the world of technology has changed. Ironically Istanbul had way more bank machines than Toronto in 1989. And now everyone has a cell phone.
Because it is a poor country, my wallet was stolen 4 times and my TV and pay-TV decoder were stolen once from my house while I was sleeping. If you plan on visiting, watch your wallet.
About the author:
Susanne Pacher is the publisher of www.travelandtransitions.com It deals with travel to foreign countries and is chock full of advice, tips, real life travel experiences, interviews with travellers, insights, cross-cultural issues, and many other features. Participate in our travel story contest and win great prizes, a fabulous cruise to the Amazon. Life is a Journey - Explore New Horizons.
Written by: Susanne Pacher
28 July, 2009
Save Money
Are You saving Money With a Computer Support Plan?
As a computer troubleshooter and repair person, I see all kinds of
problems and possibilities. From the quick fix or answer to the
complicated repair, from the problem computer to the occasional
tweak another computer needs - it pays to know a good and
reliable technician to help you.
Lately there have been programs in which online support is offered.
This can be good or bad. The good is there are various programs
you can choose from, and the bad is you might choose poorly and
get stuck with a worthless plan - which in the long run will cost
you more in time and money. Sometimes online support is a much
more economical choice in getting help and support - because you
can avoid an up-front service charge from a hands-on repair shop
and often get enough information to fix something yourself. It won't
work in all cases, but perhaps it will save you some money in many
cases.
One online support company, for which I am a technician, at
http://sisugal.supportfreaks.com is a good example of a program
run correctly. People can ask a question and if it can be answered
fairly quickly, there is no fee - this can include support via email,
or chat, or phone. By chat or email, you can assess the technician's
capability before you end up requesting help from him/her. You
will have the opportunity to fund your support account - and then
use it any time you need - no monthly requirements or outlay.
There are over 1000 techies knowledgeable in nearly any capacity
dealing with computers, the Internet, peripherals, etc.
I question the concept of monthly fees for support - because there
are normally many months in which no support is needed. Yes, some
will use their accounts to ask frivolous questions they would never
pay to ask, but only to use up their monthly credits. Still others will
just let the monthly credits go to waste - like so many other plans
that get forgotten but are still paid into monthly.
If you have a truly problem computer that acts up on a regular basis,
then a monthly paid plan might be effective - depending on the
type of problem and whether the monthly allotment will be enough.
If you are still paying for extra support, it might make more sense to
purchase an account that has credits you can use at any time, and can
add funds to at anytime.
This is a similar concept to service plans on appliances - do you
really get your money's worth on those plans? If the appliance isn't
well made, you are better off with a service plan. If it is well made,
a service plan isn't necessary. A little assurance by having some
funds in a service account for when needed makes more sense.
Figure out how reliable or unreliable your computer is, and you will
figure out the best plan you should have. Don't jump on the
bandwagon of anything which, with hype, promises you riches and
gives you services and such that you really don't need. If you have
to pay for something you don't need, rethink your game plan. There
are other options out there. A monthly outlay of money may very
well just be going to waste. Would you rather spend $30/month or
more for a plan that gives you the same service as a $30 account
you can use anytime you want, and fund into it for extra services
if needed? Think about it - concerning your computer - which plan
makes more sense?
About the Author
Pauliina Roe is a hands-on computer troubleshooter/repairperson in
the Denver area, and also troubleshoots online and over the phone.
If you need computer support, give us a call if in the Denver area -
Leading Edge Solutions at 303-224-0797 (ask for Kevin) or try out
the support online at http://sisugal.supportfreaks.com
Written by: Pauliina Roe
As a computer troubleshooter and repair person, I see all kinds of
problems and possibilities. From the quick fix or answer to the
complicated repair, from the problem computer to the occasional
tweak another computer needs - it pays to know a good and
reliable technician to help you.
Lately there have been programs in which online support is offered.
This can be good or bad. The good is there are various programs
you can choose from, and the bad is you might choose poorly and
get stuck with a worthless plan - which in the long run will cost
you more in time and money. Sometimes online support is a much
more economical choice in getting help and support - because you
can avoid an up-front service charge from a hands-on repair shop
and often get enough information to fix something yourself. It won't
work in all cases, but perhaps it will save you some money in many
cases.
One online support company, for which I am a technician, at
http://sisugal.supportfreaks.com is a good example of a program
run correctly. People can ask a question and if it can be answered
fairly quickly, there is no fee - this can include support via email,
or chat, or phone. By chat or email, you can assess the technician's
capability before you end up requesting help from him/her. You
will have the opportunity to fund your support account - and then
use it any time you need - no monthly requirements or outlay.
There are over 1000 techies knowledgeable in nearly any capacity
dealing with computers, the Internet, peripherals, etc.
I question the concept of monthly fees for support - because there
are normally many months in which no support is needed. Yes, some
will use their accounts to ask frivolous questions they would never
pay to ask, but only to use up their monthly credits. Still others will
just let the monthly credits go to waste - like so many other plans
that get forgotten but are still paid into monthly.
If you have a truly problem computer that acts up on a regular basis,
then a monthly paid plan might be effective - depending on the
type of problem and whether the monthly allotment will be enough.
If you are still paying for extra support, it might make more sense to
purchase an account that has credits you can use at any time, and can
add funds to at anytime.
This is a similar concept to service plans on appliances - do you
really get your money's worth on those plans? If the appliance isn't
well made, you are better off with a service plan. If it is well made,
a service plan isn't necessary. A little assurance by having some
funds in a service account for when needed makes more sense.
Figure out how reliable or unreliable your computer is, and you will
figure out the best plan you should have. Don't jump on the
bandwagon of anything which, with hype, promises you riches and
gives you services and such that you really don't need. If you have
to pay for something you don't need, rethink your game plan. There
are other options out there. A monthly outlay of money may very
well just be going to waste. Would you rather spend $30/month or
more for a plan that gives you the same service as a $30 account
you can use anytime you want, and fund into it for extra services
if needed? Think about it - concerning your computer - which plan
makes more sense?
About the Author
Pauliina Roe is a hands-on computer troubleshooter/repairperson in
the Denver area, and also troubleshoots online and over the phone.
If you need computer support, give us a call if in the Denver area -
Leading Edge Solutions at 303-224-0797 (ask for Kevin) or try out
the support online at http://sisugal.supportfreaks.com
Written by: Pauliina Roe
26 July, 2009
Shopping And More # 5
Shopping For Formal Dresses In Plus Sizes
You have a big event scheduled, and you haven't a thing to wear. Don't despair! The selection of formal dresses in plus sizes has never been greater with the growing number of specialty retailers that cater to full-figured women. Whether you are in need of a bridesmaid gown, a prom dress, or a full wedding ensemble, you can find a bevy of choices. Before you head to your local mall, though you'll need a few guidelines for shopping for formal dresses in plus sizes.
Many special event dresses are by special order only. This means that you'll be measured for your dress, and the shop will place an order with the manufacturer. Generally, the retailer will ask for a deposit of up to 50 percent with the remainder due at the time you receive the dress.
While some special order, formal dresses in plus sizes can be ordered and received in less than a month, you can expect a wedding or bridesmaid gown to take up to six months for delivery. So, it is essential to plan ahead.
If you are short on time, there are many options for purchasing formal dresses off the rack. Boutiques that cater to plus size women and large department stores will have a bounty of different styles. You may also want to try searching online retailers, and there are many of them that specialize in plus size formal wear. If you are looking for a one of a kind gown, consider perusing the racks of vintage clothing shops or consulting with a dressmaker who can design a gown just for you.
As you sift through the different dress options, keep in mind the three "C's" of dress selection - cut, color, and comfort. First, look for a style that is flattering to your body type. Larger figures often look good in halter style dresses.
Then, consider the appropriate color. Perhaps, you need to stick with a color scheme of the wedding or party. If you have carte blanche to pick the color you want, you may want to select a dark shade that will slenderize.
Finally, comfort is of the utmost importance, as you will probably be spending several hours in the dress. Try on gowns and dresses with the right undergarments, and see how they fit and feel. If you have to tug on straps or suck in your tummy, you probably need a different size or style.
So, go ahead and look forward to that special occasion. With a little advanced planning you can have the perfect formal look that will give you the confidence to strut your stuff.
About the author:
Chrisy Diaz is a fashion advisor for plus size women. She has been helping women of all sizes look their absolute best while helping them find fantastic deals on plus size clothing. For the hottest tips, secrets and additonal articles , not to mention some great, plus size deals visit Plus Size Dress Apparel
Written by: Christy Diaz
You have a big event scheduled, and you haven't a thing to wear. Don't despair! The selection of formal dresses in plus sizes has never been greater with the growing number of specialty retailers that cater to full-figured women. Whether you are in need of a bridesmaid gown, a prom dress, or a full wedding ensemble, you can find a bevy of choices. Before you head to your local mall, though you'll need a few guidelines for shopping for formal dresses in plus sizes.
Many special event dresses are by special order only. This means that you'll be measured for your dress, and the shop will place an order with the manufacturer. Generally, the retailer will ask for a deposit of up to 50 percent with the remainder due at the time you receive the dress.
While some special order, formal dresses in plus sizes can be ordered and received in less than a month, you can expect a wedding or bridesmaid gown to take up to six months for delivery. So, it is essential to plan ahead.
If you are short on time, there are many options for purchasing formal dresses off the rack. Boutiques that cater to plus size women and large department stores will have a bounty of different styles. You may also want to try searching online retailers, and there are many of them that specialize in plus size formal wear. If you are looking for a one of a kind gown, consider perusing the racks of vintage clothing shops or consulting with a dressmaker who can design a gown just for you.
As you sift through the different dress options, keep in mind the three "C's" of dress selection - cut, color, and comfort. First, look for a style that is flattering to your body type. Larger figures often look good in halter style dresses.
Then, consider the appropriate color. Perhaps, you need to stick with a color scheme of the wedding or party. If you have carte blanche to pick the color you want, you may want to select a dark shade that will slenderize.
Finally, comfort is of the utmost importance, as you will probably be spending several hours in the dress. Try on gowns and dresses with the right undergarments, and see how they fit and feel. If you have to tug on straps or suck in your tummy, you probably need a different size or style.
So, go ahead and look forward to that special occasion. With a little advanced planning you can have the perfect formal look that will give you the confidence to strut your stuff.
About the author:
Chrisy Diaz is a fashion advisor for plus size women. She has been helping women of all sizes look their absolute best while helping them find fantastic deals on plus size clothing. For the hottest tips, secrets and additonal articles , not to mention some great, plus size deals visit Plus Size Dress Apparel
Written by: Christy Diaz
Shopping And More # 4
Shopping For A Car? Don’t Get Taken For A Ride!
Imagine this ... You're ready to buy a new car. You've done your research on the web at a site like Edmunds.com so you know what the dealer has paid for the model you want. Based on your information you've established your comfort zone for price haggling.
You walk into the dealership, meet with a salesperson, and begin negotiations. At the end of your test drive and haggling, you're confident that you've made the best deal possible. No way you're getting ripped off because this time you are an "informed consumer" unlike when you bought your last vehicle.
One final step stands between you and your brand new "ride" - financing. Your credit is outstanding so you get what you believe is the lowest possible interest rate from the dealership. You drive away in your shiny new vehicle triumphant!
Ready for a dose of reality? According to a new study, there's a 1 in 4 chance that you've been "taken for a ride" by the dealer's finance department, especially if you are female or a minority, by as much as an extra $1,000.
The Consumer Federation of America, a Washington, D.C.,-based consumer interest group, said consumers often pay additional fees in that process - totaling as much as $1 billion nationwide - without realizing they qualified for cheaper financing.
Here's what can happen behind the scenes: a bank approves an interest rate, the dealer tacks on additional percentage points as a kind of service fee and then the dealer and lender split the difference.
To be fair, not every dealer is guilty of this markup. However, enough are involved that many states are now considering new "truth in advertising" lending laws. New laws would require auto dealers to inform customers of the original rate offered by the bank and what the dealer is offering to the customer, after tacking on their additional finance fee.
Shopping around with your bank, credit union or the internet can help you to find the interest rate that you qualify for in a loan. Remember, the auto dealer is in business to sell cars, not to offer loans.
The next time you're in the market for a car, don't just research the model, make, and add-ons. Research fair interest rates as well so that you'll know if you're getting the best rate possible from the auto dealer or if you're being "taken for a ride."
© 2004, www.yourfreecreditreportnow.com
James H. Dimmitt is editor of "TO YOUR CREDIT", a weekly free newsletter. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com. He is also author of “Identity Theft - How to Avoid Becoming the Next Victim!” available at http://tinyurl.com/bc45
jimdim815@aol.com
Written by: James H. Dimmitt
Imagine this ... You're ready to buy a new car. You've done your research on the web at a site like Edmunds.com so you know what the dealer has paid for the model you want. Based on your information you've established your comfort zone for price haggling.
You walk into the dealership, meet with a salesperson, and begin negotiations. At the end of your test drive and haggling, you're confident that you've made the best deal possible. No way you're getting ripped off because this time you are an "informed consumer" unlike when you bought your last vehicle.
One final step stands between you and your brand new "ride" - financing. Your credit is outstanding so you get what you believe is the lowest possible interest rate from the dealership. You drive away in your shiny new vehicle triumphant!
Ready for a dose of reality? According to a new study, there's a 1 in 4 chance that you've been "taken for a ride" by the dealer's finance department, especially if you are female or a minority, by as much as an extra $1,000.
The Consumer Federation of America, a Washington, D.C.,-based consumer interest group, said consumers often pay additional fees in that process - totaling as much as $1 billion nationwide - without realizing they qualified for cheaper financing.
Here's what can happen behind the scenes: a bank approves an interest rate, the dealer tacks on additional percentage points as a kind of service fee and then the dealer and lender split the difference.
To be fair, not every dealer is guilty of this markup. However, enough are involved that many states are now considering new "truth in advertising" lending laws. New laws would require auto dealers to inform customers of the original rate offered by the bank and what the dealer is offering to the customer, after tacking on their additional finance fee.
Shopping around with your bank, credit union or the internet can help you to find the interest rate that you qualify for in a loan. Remember, the auto dealer is in business to sell cars, not to offer loans.
The next time you're in the market for a car, don't just research the model, make, and add-ons. Research fair interest rates as well so that you'll know if you're getting the best rate possible from the auto dealer or if you're being "taken for a ride."
© 2004, www.yourfreecreditreportnow.com
James H. Dimmitt is editor of "TO YOUR CREDIT", a weekly free newsletter. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com. He is also author of “Identity Theft - How to Avoid Becoming the Next Victim!” available at http://tinyurl.com/bc45
jimdim815@aol.com
Written by: James H. Dimmitt
Shopping And More # 3
Shopping For Your Bridal Gown
Shopping for your bridal gown is one of the most important essentials of your wedding preparation. It should be a lot of fun, and it's going to be if you do your homework. Although it might be difficult to resist at first, you should never shop for a bridal gown based on instinct.
You should research before you walk in to the first bridal gown salon. Chances are this is going to be the first time you shop for a bridal gown, so you need to prepare.
It is essential that you give yourself plenty of time to buy your bridal gown. Choosing your bridal gown up to one year prior to your wedding day is not unusual at all. If your dress needs to be ordered and altered you'll need that much time. Buying your bridal gown early is also a great stress reducer.
Before you visit the bridal gown retailer, you have to do your homework. To get a general idea of what's out there, you should start with magazines. Then, move on to the Internet for more detailed searches. There are thousands of Web sites dedicated to wedding shopping where you can learn about bridal gowns.
After you get a general idea of what you like, be sure to take detailed notes. Even if you have an excellent memory, it is best to make detailed notes for reference. You shouldn't just write down what you like about a bridal gown, but the reason why you like a particular feature. If you are well prepared, your sales person at the salon will be able to help you better.
Once you have a detailed list of designs and designers you'd like to try, you should make an appointment with a salon. Don't go by yourself. Take your mother, your sister, your girlfriends, your bridesmaids, your honor attendant, and your relatives. In other words, bring everyone that matters! Instead of bringing all of them to each salon at the same time limit the shopping team to no more than five members per shopping trip. It is OK to shop around for your dress by yourself if you need the privacy, but you shouldn't make your decision without some outside opinion.
You should bring the following with you on your wedding gown shopping trip.
· Shoes with the same height as your wedding shoes are going to be on your wedding day. · A bustier, a control-top panty hose and be sure slip a slip into your purse.
About the author:
Wedding Favors Wedding favors, personalized wedding favors and bridal shower gifts.
Written by: George Meszaros
Shopping for your bridal gown is one of the most important essentials of your wedding preparation. It should be a lot of fun, and it's going to be if you do your homework. Although it might be difficult to resist at first, you should never shop for a bridal gown based on instinct.
You should research before you walk in to the first bridal gown salon. Chances are this is going to be the first time you shop for a bridal gown, so you need to prepare.
It is essential that you give yourself plenty of time to buy your bridal gown. Choosing your bridal gown up to one year prior to your wedding day is not unusual at all. If your dress needs to be ordered and altered you'll need that much time. Buying your bridal gown early is also a great stress reducer.
Before you visit the bridal gown retailer, you have to do your homework. To get a general idea of what's out there, you should start with magazines. Then, move on to the Internet for more detailed searches. There are thousands of Web sites dedicated to wedding shopping where you can learn about bridal gowns.
After you get a general idea of what you like, be sure to take detailed notes. Even if you have an excellent memory, it is best to make detailed notes for reference. You shouldn't just write down what you like about a bridal gown, but the reason why you like a particular feature. If you are well prepared, your sales person at the salon will be able to help you better.
Once you have a detailed list of designs and designers you'd like to try, you should make an appointment with a salon. Don't go by yourself. Take your mother, your sister, your girlfriends, your bridesmaids, your honor attendant, and your relatives. In other words, bring everyone that matters! Instead of bringing all of them to each salon at the same time limit the shopping team to no more than five members per shopping trip. It is OK to shop around for your dress by yourself if you need the privacy, but you shouldn't make your decision without some outside opinion.
You should bring the following with you on your wedding gown shopping trip.
· Shoes with the same height as your wedding shoes are going to be on your wedding day. · A bustier, a control-top panty hose and be sure slip a slip into your purse.
About the author:
Wedding Favors Wedding favors, personalized wedding favors and bridal shower gifts.
Written by: George Meszaros
Shopping And More # 2
Shopping In London
Shopping In London By Lisa Mills
Shopping is one of the main reasons people flock to London in their hoards all year round. With over 40,000 shops from huge department stores to fabulous fashion shops, London is the heart for fashion, style and music. A wide variety of shops are all over London, from high priced exclusive clothing and goods, (some severely over priced I might add) to some amazing deals. For lovers of clothes and shoe shopping and more shoe shopping ladies, London has all the designs and the wackiest looks. But before you start, ring your bank, up your credit card limit, its time to start spending!
Camden Market is the place to go if you want cheaper stuff, it's located next to the Camden Locks; this is London's most popular market. It gets extremely busy here at weekends with thousands of traders, but watch out for the "buggy brigade" (parents with pushchairs!) your feet will be swollen, but not from the incessant shopping... from having them continuously rolled over and stamped on! Even so, you are sure to find the perfect pair of shoes to match that expensive designer outfit you just spent your whole months wages on. On the other hand, if you are looking for something a little different then Kensington Market might be a good choice, it's located on Kensington High Street, this market caters for the underground fashions. You can also find an extensive range of outrageous hair colours, punk and gothic clothing and accessories, record stores, the latest in techno, platform shoes, leather goods and jewellery.
Portobello Road Market features antique goods, as well as clothing and music, hundreds of stalls on weekends, and cafes and bars. It is also a "celeb hotspot" with many famous people living and shopping in the area.
Oxford Street & Regent Street are the main areas in which to find many High Street stores. All the main ones are here from Marks and Spencer, Debenhams, John Lewis, Boots, W.H. Smith, Bhs, C&A and of course Hamley's Toy Shop, which I must add is absolutely breath taking, especially at Christmas, every child and "older child's" dream come true. You may not find many low priced goods here, but it really is worth a look. So credit cards at the ready!
You will also find Harrods; most people make a visit to this shop just to look at the costly price tags, as well as the wide variety of food on offer. But be sure to dress respectively, no light coloured clothing caked in the muddy tyre marks from the "buggy brigade" in the markets!! There is a dress code to shop here!
And then there is Soho. Soho is the place to go for a variety of boutiques; Janet Fitch for designer jewellery, Metalmorphis for body piercings, and Ann Summers for kinky lingerie. Ambient Soho and Black Market Records stock the best of techno, jungle and dance music. Try the Vintage Magazine Shop for excellent movie & TV memorabilia and posters. Soho is the ideal place if you are looking for something to do "After Dark"; it offers a wide range of erotic videos, sex toys, good cafes and restaurants and strip clubs. Soho is an interesting place to wander around, especially for the men who like to "window shop"!!
Shopping in London can be an exciting experience, whether you want to spend or just browse. It's a vibrant city - buying something often involves discovering interesting surroundings and exploring new ones. At the seasonal times of year it is probably best to start early, London streets begin to look like an anthill around lunchtime! I myself am a true Londoner... born and bred, everyday there is something new to be found.
Top 5 'Must Buy Something In' Shops In London - (just for the feel good factor, oh, and the carrier bag!)
Hamleys Toy Shop
Wow! That is the only word that came out of our mouths when we walked through the doors of Hamley's, I lost my two kids and my husband immediately! Unfortunately, they found me again when they wanted money! But if you are looking for a reminder of your childhood or looking for something special for your own kids then this is the shop, and it really isn't that expensive either, you can pick up a gift for as little as a fiver. It really is magical, 7 floors of it, a definite must. Nearest tubes: Piccadilly Circus, Oxford Circus. Official website: http://www.hamleys.com/
Covent Garden
If you are on a visit to London then try to visit the very trendy Covent Garden, with all the up-to-date designer shops like French Connection, H&M, Calvin Klein and Gap to name but a few. If you are shopaholic like myself then you will love Covent Garden, a fair few celebrities also shop and eat here. The Ivy restaurant is a well-known celebrity hotspot, if you can't get in to enjoy the tasty food on offer then take a stroll past... 2 or 3 times... spot the celebrity! Nearest tube: Covent Garden
Harrods
A trip to London wouldn't be complete without a visit to world-famous Harrods. Some just want to check out the expensive price tags, others buy stuff just for the carrier bag. Even so, you will find everything you need here, mind you, the store is huge and it is easy to get lost. And remember; if you need the loo... take some money with you! Nearest tube: Knightsbridge. Official website: http://www.harrods.com
Carnaby Street
Carnaby Street has loads on offer for yourself and a guilt gift for him (well, we have to buy him something don't we? After all, it's his credit card!). For him, there are sports shops like Puma, Ben Sherman, G-room and if he's a budding DJ then there's Kingly Court, this a great place to buy great vinyls. Oh, and not forgetting a place where he can re-fuel... there's a few pubs too! And for the ladies, there is a number of fine cosmetics shops, a few boutiques selling vintage mod clothing, designer shoe shops and Liberty's is just round the corner in Fouberts Place. There are places where we can re-fuel too... coffee shops and sandwich bars. Nearest tube: Oxford Circus
New Bond Street and Old Bond Street
Just off of Oxford Street, is the less crowded but far more expensive New Bond Street and Old Bond Street, for all those that have an endless flow of cash then this is the place to spend all of it! Most of the shops here have "greeters" who will smile, open doors for you, and wish you a nice day! Oh, and keep your eyes open for the odd celebrity here too, London's Bond streets are well known for bringing out the odd one or two. Nearest tube: Bond Street
It's a vast, fast and vibrant city; London has it all. Don't miss it... come and visit!
24-7 London has loads of information to help visitors to London. Check out their website www.24-7london.co.uk
About the author:
Lisa Mills writes primarily for the entertainment website 24-7 London. as well as some others.
Written by: Lisa Mills
Shopping In London By Lisa Mills
Shopping is one of the main reasons people flock to London in their hoards all year round. With over 40,000 shops from huge department stores to fabulous fashion shops, London is the heart for fashion, style and music. A wide variety of shops are all over London, from high priced exclusive clothing and goods, (some severely over priced I might add) to some amazing deals. For lovers of clothes and shoe shopping and more shoe shopping ladies, London has all the designs and the wackiest looks. But before you start, ring your bank, up your credit card limit, its time to start spending!
Camden Market is the place to go if you want cheaper stuff, it's located next to the Camden Locks; this is London's most popular market. It gets extremely busy here at weekends with thousands of traders, but watch out for the "buggy brigade" (parents with pushchairs!) your feet will be swollen, but not from the incessant shopping... from having them continuously rolled over and stamped on! Even so, you are sure to find the perfect pair of shoes to match that expensive designer outfit you just spent your whole months wages on. On the other hand, if you are looking for something a little different then Kensington Market might be a good choice, it's located on Kensington High Street, this market caters for the underground fashions. You can also find an extensive range of outrageous hair colours, punk and gothic clothing and accessories, record stores, the latest in techno, platform shoes, leather goods and jewellery.
Portobello Road Market features antique goods, as well as clothing and music, hundreds of stalls on weekends, and cafes and bars. It is also a "celeb hotspot" with many famous people living and shopping in the area.
Oxford Street & Regent Street are the main areas in which to find many High Street stores. All the main ones are here from Marks and Spencer, Debenhams, John Lewis, Boots, W.H. Smith, Bhs, C&A and of course Hamley's Toy Shop, which I must add is absolutely breath taking, especially at Christmas, every child and "older child's" dream come true. You may not find many low priced goods here, but it really is worth a look. So credit cards at the ready!
You will also find Harrods; most people make a visit to this shop just to look at the costly price tags, as well as the wide variety of food on offer. But be sure to dress respectively, no light coloured clothing caked in the muddy tyre marks from the "buggy brigade" in the markets!! There is a dress code to shop here!
And then there is Soho. Soho is the place to go for a variety of boutiques; Janet Fitch for designer jewellery, Metalmorphis for body piercings, and Ann Summers for kinky lingerie. Ambient Soho and Black Market Records stock the best of techno, jungle and dance music. Try the Vintage Magazine Shop for excellent movie & TV memorabilia and posters. Soho is the ideal place if you are looking for something to do "After Dark"; it offers a wide range of erotic videos, sex toys, good cafes and restaurants and strip clubs. Soho is an interesting place to wander around, especially for the men who like to "window shop"!!
Shopping in London can be an exciting experience, whether you want to spend or just browse. It's a vibrant city - buying something often involves discovering interesting surroundings and exploring new ones. At the seasonal times of year it is probably best to start early, London streets begin to look like an anthill around lunchtime! I myself am a true Londoner... born and bred, everyday there is something new to be found.
Top 5 'Must Buy Something In' Shops In London - (just for the feel good factor, oh, and the carrier bag!)
Hamleys Toy Shop
Wow! That is the only word that came out of our mouths when we walked through the doors of Hamley's, I lost my two kids and my husband immediately! Unfortunately, they found me again when they wanted money! But if you are looking for a reminder of your childhood or looking for something special for your own kids then this is the shop, and it really isn't that expensive either, you can pick up a gift for as little as a fiver. It really is magical, 7 floors of it, a definite must. Nearest tubes: Piccadilly Circus, Oxford Circus. Official website: http://www.hamleys.com/
Covent Garden
If you are on a visit to London then try to visit the very trendy Covent Garden, with all the up-to-date designer shops like French Connection, H&M, Calvin Klein and Gap to name but a few. If you are shopaholic like myself then you will love Covent Garden, a fair few celebrities also shop and eat here. The Ivy restaurant is a well-known celebrity hotspot, if you can't get in to enjoy the tasty food on offer then take a stroll past... 2 or 3 times... spot the celebrity! Nearest tube: Covent Garden
Harrods
A trip to London wouldn't be complete without a visit to world-famous Harrods. Some just want to check out the expensive price tags, others buy stuff just for the carrier bag. Even so, you will find everything you need here, mind you, the store is huge and it is easy to get lost. And remember; if you need the loo... take some money with you! Nearest tube: Knightsbridge. Official website: http://www.harrods.com
Carnaby Street
Carnaby Street has loads on offer for yourself and a guilt gift for him (well, we have to buy him something don't we? After all, it's his credit card!). For him, there are sports shops like Puma, Ben Sherman, G-room and if he's a budding DJ then there's Kingly Court, this a great place to buy great vinyls. Oh, and not forgetting a place where he can re-fuel... there's a few pubs too! And for the ladies, there is a number of fine cosmetics shops, a few boutiques selling vintage mod clothing, designer shoe shops and Liberty's is just round the corner in Fouberts Place. There are places where we can re-fuel too... coffee shops and sandwich bars. Nearest tube: Oxford Circus
New Bond Street and Old Bond Street
Just off of Oxford Street, is the less crowded but far more expensive New Bond Street and Old Bond Street, for all those that have an endless flow of cash then this is the place to spend all of it! Most of the shops here have "greeters" who will smile, open doors for you, and wish you a nice day! Oh, and keep your eyes open for the odd celebrity here too, London's Bond streets are well known for bringing out the odd one or two. Nearest tube: Bond Street
It's a vast, fast and vibrant city; London has it all. Don't miss it... come and visit!
24-7 London has loads of information to help visitors to London. Check out their website www.24-7london.co.uk
About the author:
Lisa Mills writes primarily for the entertainment website 24-7 London. as well as some others.
Written by: Lisa Mills
Shopping And More
5 Tips to Getting Extra Money for Christmas Shopping
Christmas shopping is getting more and more expensive each year. With over 70% of Americans reported to be living paycheck to paycheck, where does the money come from for Christmas shopping? Here are 5 tips to getting some extra money for holiday shopping:
1 - Sell items on Ebay
Everyone is buying right now. Why not have them buy what you have for sale? All different types of items sell on ebay - the clothes your kids never even wore that still have the tags on them, DVD's, collectible items sitting around just collecting, and any other "hot" items you may have lying around.
2 - Garage Sale
Do a little 'Winter Cleaning" and make room for those Christmas decorations and presents. A Saturday morning garage sale can make you $50-$500, or more. One person's junk is another's treasure!
3 - Collect your Unclaimed Money
There is an estimated $25 billion dollars of unclaimed money in the U.S. On the Oprah Winfrey TV Show it was announced 8 out of 9 Americans have unclaimed money.This money comes from many places. For example it could be an old checking or savings account your forgot about, an inheritance, savings bonds, uncashed checks or money orders, the list goes on and on. This money is yours and just sitting there waiting for you to claim it. A simple search in a quality database that includes all states and federal unclaimed money could mean a check in your mailbox!
A simple search in a quality database that includes all states and federal unclaimed money could mean a check in your mailbox! www.cashunclaimed.com is the largest unclaimed money site and is a great place to conduct your unclaimed money search.
4 - Holiday Job or Overtime
Companies are hiring for the Christmas shopping rush. Usually they are simple retail positions that don't require specialized training or experience. A couple nights or days a week could be $1000 by Christmas!
If you are paid hourly at your job, and have enough work and flexibility with your schedule, you can put in some extra hours.
Workers who have restaurant jobs can pick up extra shifts.
Special Note: Many people claim 0 exemptions on their W4. If you have children, own a home, etc. increase your exemptions to the correct number. Your employer can assist you in filling out a new W4. This can mean an extra $50-$400 per paycheck!
5 - Reduce Expenses
You can reduce simple monthly expenses to keep more of the money you already have. Here are a couple money saving ideas:
*Eat in instead of dinning out A family of 4 that eats out twice a week spends about $100 per week.
*Pay minimum payments this month on credit cards Don't make this a habit, but for December it will give you a little extra rather than racking up more credit card debt
*Leave your ATM card at home, carry a little cash for what you need
*Make coffee at home and skip your morning latte (you'll live, really you will)
Now that you have the extra money - Merry Christmas Shopping!
About the author:
Nicole Anderson offers more information about unclaimed money at Cash Unclaimed. Would you like to receive your lost funds check without searching 100+ individual databases? A simple unclaimed property search could mean a check in your mailbox. Click on www.cashunclaimed.com for a free money search, that
Written by: Nicole Anderson
Christmas shopping is getting more and more expensive each year. With over 70% of Americans reported to be living paycheck to paycheck, where does the money come from for Christmas shopping? Here are 5 tips to getting some extra money for holiday shopping:
1 - Sell items on Ebay
Everyone is buying right now. Why not have them buy what you have for sale? All different types of items sell on ebay - the clothes your kids never even wore that still have the tags on them, DVD's, collectible items sitting around just collecting, and any other "hot" items you may have lying around.
2 - Garage Sale
Do a little 'Winter Cleaning" and make room for those Christmas decorations and presents. A Saturday morning garage sale can make you $50-$500, or more. One person's junk is another's treasure!
3 - Collect your Unclaimed Money
There is an estimated $25 billion dollars of unclaimed money in the U.S. On the Oprah Winfrey TV Show it was announced 8 out of 9 Americans have unclaimed money.This money comes from many places. For example it could be an old checking or savings account your forgot about, an inheritance, savings bonds, uncashed checks or money orders, the list goes on and on. This money is yours and just sitting there waiting for you to claim it. A simple search in a quality database that includes all states and federal unclaimed money could mean a check in your mailbox!
A simple search in a quality database that includes all states and federal unclaimed money could mean a check in your mailbox! www.cashunclaimed.com is the largest unclaimed money site and is a great place to conduct your unclaimed money search.
4 - Holiday Job or Overtime
Companies are hiring for the Christmas shopping rush. Usually they are simple retail positions that don't require specialized training or experience. A couple nights or days a week could be $1000 by Christmas!
If you are paid hourly at your job, and have enough work and flexibility with your schedule, you can put in some extra hours.
Workers who have restaurant jobs can pick up extra shifts.
Special Note: Many people claim 0 exemptions on their W4. If you have children, own a home, etc. increase your exemptions to the correct number. Your employer can assist you in filling out a new W4. This can mean an extra $50-$400 per paycheck!
5 - Reduce Expenses
You can reduce simple monthly expenses to keep more of the money you already have. Here are a couple money saving ideas:
*Eat in instead of dinning out A family of 4 that eats out twice a week spends about $100 per week.
*Pay minimum payments this month on credit cards Don't make this a habit, but for December it will give you a little extra rather than racking up more credit card debt
*Leave your ATM card at home, carry a little cash for what you need
*Make coffee at home and skip your morning latte (you'll live, really you will)
Now that you have the extra money - Merry Christmas Shopping!
About the author:
Nicole Anderson offers more information about unclaimed money at Cash Unclaimed. Would you like to receive your lost funds check without searching 100+ individual databases? A simple unclaimed property search could mean a check in your mailbox. Click on www.cashunclaimed.com for a free money search, that
Written by: Nicole Anderson
23 July, 2009
Cars And More # 10
Why does a car engine overheat?
There are many different reasons that can cause an engine overheat, but they all have in common three aspects. The three aspects which all engine overheat factors have in common are that they cause that the heating system can not get rid of heat, they cause a loss of coolant or they directly cause too much heat in the engine.
One first problem which might be the cause of an engine overheat is a problem with the radiator cap and the pressure it holds. If the radiator cap does not hold pressure correctly then coolant could boil and therefore the engine would overheat. Another reason might be caused by thermostat failures; it is recommendable that you check it.
The car engine might also overheat due to coolant leaks such as those from the radiator, the hoses, the water pump, the freeze plugs or any others. Also, problems in the water pump could be the cause and therefore you should check it and replace it in case it is needed.
Some other reasons by which the car engine could overheat are problems in the exhaust system which you can discover by checking vacuum readings, pipes and converter. Besides, you should also make sure that the radiator hose has not collapsed and the ignition timing is working properly.
You should also check the electric cooling fan by making sure that the fan motor, the relay and temperature are correct or otherwise it could cause the engine to overheat. Besides this, you should also check the radiator in case there are any debris in it as well as you should check its hose in case it has collapsed.
It is also recommendable that you check the antifreeze concentration which should be 50/50 in order to be correct, otherwise it could cause the car engine to overheat. If you do not find why your engine does overheat, you should ask a mechanic or an expert for advice. You should not try to fix this if you do not have the proper tools and general car knowledge necessary for it.
About the Author
Jakob Jelling is the founder of http://www.autorized.com. Please visit his website to learn about auto maintenance, auto insurance, auto safety and much more!
Written by: Jakob Jelling
There are many different reasons that can cause an engine overheat, but they all have in common three aspects. The three aspects which all engine overheat factors have in common are that they cause that the heating system can not get rid of heat, they cause a loss of coolant or they directly cause too much heat in the engine.
One first problem which might be the cause of an engine overheat is a problem with the radiator cap and the pressure it holds. If the radiator cap does not hold pressure correctly then coolant could boil and therefore the engine would overheat. Another reason might be caused by thermostat failures; it is recommendable that you check it.
The car engine might also overheat due to coolant leaks such as those from the radiator, the hoses, the water pump, the freeze plugs or any others. Also, problems in the water pump could be the cause and therefore you should check it and replace it in case it is needed.
Some other reasons by which the car engine could overheat are problems in the exhaust system which you can discover by checking vacuum readings, pipes and converter. Besides, you should also make sure that the radiator hose has not collapsed and the ignition timing is working properly.
You should also check the electric cooling fan by making sure that the fan motor, the relay and temperature are correct or otherwise it could cause the engine to overheat. Besides this, you should also check the radiator in case there are any debris in it as well as you should check its hose in case it has collapsed.
It is also recommendable that you check the antifreeze concentration which should be 50/50 in order to be correct, otherwise it could cause the car engine to overheat. If you do not find why your engine does overheat, you should ask a mechanic or an expert for advice. You should not try to fix this if you do not have the proper tools and general car knowledge necessary for it.
About the Author
Jakob Jelling is the founder of http://www.autorized.com. Please visit his website to learn about auto maintenance, auto insurance, auto safety and much more!
Written by: Jakob Jelling
Cars And More # 9
Customizing your Car- Pinstriping Basics
Did you know pinstriping has a long history? Even before the invention of automobiles, pinstriping was used as an ornamental decoration for horse and buggy carriages.
Custom pinstripes started appearing on automobiles in the mid-1950s. Although pinstriping had been on cars long before that, the last American car to appear with auto pinstriping had been made by General Motors in the late 30’s.
For those individuals with muscle or sports cars, customizing their ride is an important part of owning and showcasing the vehicle, and pinstriping is a final touch.
Pinstripes are commonly painted in two colors: one that sets off the body color, and another, thin line, in a color contrasted with the stripe to make it stand out.
Mechanical pin striping is the best way to stripe larger vehicles- trucks, vans, or station wagons. The benefit is it lays down stripes of constant width, letting you focus attention on getting the stripe oriented properly along your working surface. You can set up your stripe lines using magnetic pinstriping strips with center grooves designed to be paint templates. They hold fast to steel surfaces, and can also work as guidea for your hand.
Striping with stencil tape is also popular. There are several types of stencil tape that are suitable for auto pinstriping applications. Stencil tape striping uses brushes, and a specialized pinstriping brush is an essential ingredient in a successful project. Stencil tape allows you to apply different color stripes without needing the other stripes to dry.
Freehand pinstriping is the most difficult method, requiring the most practice to master, but permits unrestricted creativity. The simplest plan for a freehand striping newbie is to lay a strip of masking tape down approximately a quarter inch from where you want the finished line to be, and then use this tape as visual guiding for your stripes. Whatever you do, don’t use regular masking tape, or your pinstriping paint will bleed under the edge. Get some auto body masking tape from an auto supply store.
No matter what method you use, pinstriping is one of the finest ways to make your vehicle distinctive. Just like anything else worth doing right, practice makes priceless results but having the best equipment you can get your hands on helps too.
About the Author
Carlo Morelli is a contributor to Caroom.us where you can read more about pinstriping
Written by: Carlo Morelli
Did you know pinstriping has a long history? Even before the invention of automobiles, pinstriping was used as an ornamental decoration for horse and buggy carriages.
Custom pinstripes started appearing on automobiles in the mid-1950s. Although pinstriping had been on cars long before that, the last American car to appear with auto pinstriping had been made by General Motors in the late 30’s.
For those individuals with muscle or sports cars, customizing their ride is an important part of owning and showcasing the vehicle, and pinstriping is a final touch.
Pinstripes are commonly painted in two colors: one that sets off the body color, and another, thin line, in a color contrasted with the stripe to make it stand out.
Mechanical pin striping is the best way to stripe larger vehicles- trucks, vans, or station wagons. The benefit is it lays down stripes of constant width, letting you focus attention on getting the stripe oriented properly along your working surface. You can set up your stripe lines using magnetic pinstriping strips with center grooves designed to be paint templates. They hold fast to steel surfaces, and can also work as guidea for your hand.
Striping with stencil tape is also popular. There are several types of stencil tape that are suitable for auto pinstriping applications. Stencil tape striping uses brushes, and a specialized pinstriping brush is an essential ingredient in a successful project. Stencil tape allows you to apply different color stripes without needing the other stripes to dry.
Freehand pinstriping is the most difficult method, requiring the most practice to master, but permits unrestricted creativity. The simplest plan for a freehand striping newbie is to lay a strip of masking tape down approximately a quarter inch from where you want the finished line to be, and then use this tape as visual guiding for your stripes. Whatever you do, don’t use regular masking tape, or your pinstriping paint will bleed under the edge. Get some auto body masking tape from an auto supply store.
No matter what method you use, pinstriping is one of the finest ways to make your vehicle distinctive. Just like anything else worth doing right, practice makes priceless results but having the best equipment you can get your hands on helps too.
About the Author
Carlo Morelli is a contributor to Caroom.us where you can read more about pinstriping
Written by: Carlo Morelli
Cars And More # 8
Things to look for when buying a car stereo head unit.
There are so many car stereo head units on the market. How do you know what to choose? Let's take a look at some of the things you should look for when buying a head unit.
1. How user friendly is the head unit?
Your head unit must be user friendly. This is the part of your car stereo you will interact with the most so you must feel comfortable using it. Before buying one be sure to play around with it and see how easy and quick it is to change tracks on a CD, switch radio stations, and so on. Are the buttons too small? You need to be able to enjoy using your head unit.
2. How is the unit's power measured?
Pay close attention to power. Look out for models where the manufacturers exaggerate the unit's power. This malpractice is common among most manufacturers. Ensure that power is measures in RMS. Be very wary of terms like "music power" and "peak power". These terms mean nothing when it comes to measuring power.
3. Choosing between a cassette player and a CD player.
It's all about your personal preference. Do you use more cassettes than CDs? In that case you should probably go with a cassette player. Many of them give you the option of hooking up a CD changer. Your CD changer can be operated from your head unit.
The only problem with some CD changers is the fact that you may have to get to your trunk or under your seat to change CDs. With in-dash CD players everything is in reach and can be operated easily.
More and more people are using CDs these days. CDs have several advantages including better sound quality. Many of them can be hooked up to a CD changer as well.
4. Does the head unit include pre-amp outputs?
If you're serious about sound you wouldn't buy a head unit that doesn't come with pre-amp outputs. With these outputs, you can run an amplifier directly without any need for conversion. This output is the cleanest. Higher volt outputs are better as long as your amplifier or crossover can handle the voltage. For less noise choose 4 volts over 1-2 volts.
5. Is there a theft prevention scheme?
If theft protection is important to you buy a head unit that includes a theft prevention scheme. You can choose between a partially detachable and fully detachable face. Detaching the face of your head unit renders it useless. So this is obviously a great deterrent for thieves.
Kenwood has some models where the face flips around so the thief can't see the head unit.
Some head units like Eclipse's ESN system, require a reference CD when you first apply power to them. If it is stolen it is useless. You must have the reference CD for it to work. The only problem with this is that if the thief has no clue about this feature, your head unit would be stolen anyway. Your only hope would be if he foolishly takes it to Eclipse for repair. Eclipse would be able to verify that it was stolen.
Ordering your car stereo head unit online is quick and easy. Before buying your head unit be sure to check out some online reviews. Find out what customers like yourself think of the unit you want to buy. You can order one online today.
About the Author
Roger Charles is a successful author and publisher of Car Stereos Guide.com. A resource for information and tips on buying car stereo and audio products online.
Written by: Roger Charles
There are so many car stereo head units on the market. How do you know what to choose? Let's take a look at some of the things you should look for when buying a head unit.
1. How user friendly is the head unit?
Your head unit must be user friendly. This is the part of your car stereo you will interact with the most so you must feel comfortable using it. Before buying one be sure to play around with it and see how easy and quick it is to change tracks on a CD, switch radio stations, and so on. Are the buttons too small? You need to be able to enjoy using your head unit.
2. How is the unit's power measured?
Pay close attention to power. Look out for models where the manufacturers exaggerate the unit's power. This malpractice is common among most manufacturers. Ensure that power is measures in RMS. Be very wary of terms like "music power" and "peak power". These terms mean nothing when it comes to measuring power.
3. Choosing between a cassette player and a CD player.
It's all about your personal preference. Do you use more cassettes than CDs? In that case you should probably go with a cassette player. Many of them give you the option of hooking up a CD changer. Your CD changer can be operated from your head unit.
The only problem with some CD changers is the fact that you may have to get to your trunk or under your seat to change CDs. With in-dash CD players everything is in reach and can be operated easily.
More and more people are using CDs these days. CDs have several advantages including better sound quality. Many of them can be hooked up to a CD changer as well.
4. Does the head unit include pre-amp outputs?
If you're serious about sound you wouldn't buy a head unit that doesn't come with pre-amp outputs. With these outputs, you can run an amplifier directly without any need for conversion. This output is the cleanest. Higher volt outputs are better as long as your amplifier or crossover can handle the voltage. For less noise choose 4 volts over 1-2 volts.
5. Is there a theft prevention scheme?
If theft protection is important to you buy a head unit that includes a theft prevention scheme. You can choose between a partially detachable and fully detachable face. Detaching the face of your head unit renders it useless. So this is obviously a great deterrent for thieves.
Kenwood has some models where the face flips around so the thief can't see the head unit.
Some head units like Eclipse's ESN system, require a reference CD when you first apply power to them. If it is stolen it is useless. You must have the reference CD for it to work. The only problem with this is that if the thief has no clue about this feature, your head unit would be stolen anyway. Your only hope would be if he foolishly takes it to Eclipse for repair. Eclipse would be able to verify that it was stolen.
Ordering your car stereo head unit online is quick and easy. Before buying your head unit be sure to check out some online reviews. Find out what customers like yourself think of the unit you want to buy. You can order one online today.
About the Author
Roger Charles is a successful author and publisher of Car Stereos Guide.com. A resource for information and tips on buying car stereo and audio products online.
Written by: Roger Charles
Cars And More # 7
Anyone Can Clean their Car, but What About those Cloudy, Yellow Headlights?
It is a very common occurence. We see then every day. Its like a disease - yellow, cloudy headlight lenses. I even saw them on cars at the local carwash. It befuddled me that these people would take such great care - washing, vacuuming the interior, removing the floor mats and even hand drying their cars, but they still had those yellowed, cloudy headlights. Its not just a problem on old, very used cars. It is prevalent on 2 - 3 year old cars also. It doesn't matter if it is a Dodge, Ford, Mercedes, or a Porsche.
When questioned, most said they couldn't afford, or didn't want to pay the high prices of replacements from their local auto dealer. The average price for a pair of replacement plastic headlights at local auto dealerships was around $450 - that didn't even include installation and alignment (that would be another $60-120). Aftermarket headlights do exist, but have received mixed reviews, and the savings aren't that great, quality and fit is lagging, and then you still had to have them installed and aligned. And for what so you can do it again in another year or two?
There is another solution, there is a patented headlight cleaner and restorer kit. Its under $20, much less expensive than replacement lenses, and it works!
Plastic headlight lenses are the norm in the automotive industry now - every car has them. Some have fancy names like plexan and Lexan, but they all have the same problems. The sun, acid rain, harsh weather conditions, chemicals (brake fluid, power steering fluid, hot radiator fluids, hot water, harsh cleaners, etc...) will all cause the plastic lenses to degrade and weaken quickly. Some manufacturers have gone to including a protective film on the lenses. Regardless, they are all susceptible to this weakening and yellowing over time.
With this headlight cleaner and restorer even junk yard car lenses have been restored to brand new. These same lenses used to be discarded and now have become new profit centers for salvage yards all over. The treatment is applied to the exterior of the headlight lens where the damage is worst and it doesn't take a mechanic to do it.
It is easy to do, doesn't take very long, and the results are fantastic. So there is a very economic solution to the problem of yellow, cloudy, worn headlights. There's no excuse now to not have sparkling clean headlights. Car dealerships everywhere are using headlight cleaner and restorer on their cars and you can too.
About the author:
#resource_html#
Written by: David Maillie
It is a very common occurence. We see then every day. Its like a disease - yellow, cloudy headlight lenses. I even saw them on cars at the local carwash. It befuddled me that these people would take such great care - washing, vacuuming the interior, removing the floor mats and even hand drying their cars, but they still had those yellowed, cloudy headlights. Its not just a problem on old, very used cars. It is prevalent on 2 - 3 year old cars also. It doesn't matter if it is a Dodge, Ford, Mercedes, or a Porsche.
When questioned, most said they couldn't afford, or didn't want to pay the high prices of replacements from their local auto dealer. The average price for a pair of replacement plastic headlights at local auto dealerships was around $450 - that didn't even include installation and alignment (that would be another $60-120). Aftermarket headlights do exist, but have received mixed reviews, and the savings aren't that great, quality and fit is lagging, and then you still had to have them installed and aligned. And for what so you can do it again in another year or two?
There is another solution, there is a patented headlight cleaner and restorer kit. Its under $20, much less expensive than replacement lenses, and it works!
Plastic headlight lenses are the norm in the automotive industry now - every car has them. Some have fancy names like plexan and Lexan, but they all have the same problems. The sun, acid rain, harsh weather conditions, chemicals (brake fluid, power steering fluid, hot radiator fluids, hot water, harsh cleaners, etc...) will all cause the plastic lenses to degrade and weaken quickly. Some manufacturers have gone to including a protective film on the lenses. Regardless, they are all susceptible to this weakening and yellowing over time.
With this headlight cleaner and restorer even junk yard car lenses have been restored to brand new. These same lenses used to be discarded and now have become new profit centers for salvage yards all over. The treatment is applied to the exterior of the headlight lens where the damage is worst and it doesn't take a mechanic to do it.
It is easy to do, doesn't take very long, and the results are fantastic. So there is a very economic solution to the problem of yellow, cloudy, worn headlights. There's no excuse now to not have sparkling clean headlights. Car dealerships everywhere are using headlight cleaner and restorer on their cars and you can too.
About the author:
#resource_html#
Written by: David Maillie
Cars And More # 6
Tireless Servant Protects Your Car While You Sleep...
So here I am at the dealer about to purchase a brand new vehicle. My old car was a good one, but after being having it's frame and axle bent in a car accident, (that by the way wasn't my fault, but that's another story...) my old car was just never the same. It was about time I moved on, and got myself a brand new vehicle.
So I'm going through the usual list of standard options, and things I just got to have in this new car, when a guy car browsing next to me says, "Nice vehicle. Going to keep it on the street, or in your garage?". I said "Well, in my development, we have assigned parking spots, so I will keep it as close to my unit as I'm able".
He replied back "You better consider a custom car cover then, you want to protect your investment." A car cover, I thought to myself, I wouldn't have even considered that. I thanked the gentlemen, and continued with signing the papers for the new car.
I asked the dealer what he thought about car covers, and he said "They are a great investment if you don't have a indoor place to park your car. They help protect your vehicle from the elements, not to mention, other people." Seems I hit on a topic he knew about because he kept on talking.
"You're going to need a custom car cover for this vehicle, being it's a SUV, and there are plenty of places you can find that make them" he replied. He then went on to explain that not only will it help to retain a higher value of the car, but it will have less wear and tear, and it would help to avoid the usual nicks and scratches you get.
Most of the time you speak to people in casual conversation, you either forget what they were saying, or you just brush it off as nonsense, but I have to say, this time I sure am glad that complete stranger mentioned this to me. Protect what you have, get a better return on your investment, and keep your car looking newer, longer, with a custom car cover.
About the Author
R. Palkra has spent over 40 years in the automotive industry, and knows the "in's and outs' of the system. Now retired, his mission is to spread his knowledge, and help educate others, so they are armed with the information they need. You can find out more, voice your opinion, and share your experience at http://www.custom-car-cover-review.com
Written by: R. Palkra
So here I am at the dealer about to purchase a brand new vehicle. My old car was a good one, but after being having it's frame and axle bent in a car accident, (that by the way wasn't my fault, but that's another story...) my old car was just never the same. It was about time I moved on, and got myself a brand new vehicle.
So I'm going through the usual list of standard options, and things I just got to have in this new car, when a guy car browsing next to me says, "Nice vehicle. Going to keep it on the street, or in your garage?". I said "Well, in my development, we have assigned parking spots, so I will keep it as close to my unit as I'm able".
He replied back "You better consider a custom car cover then, you want to protect your investment." A car cover, I thought to myself, I wouldn't have even considered that. I thanked the gentlemen, and continued with signing the papers for the new car.
I asked the dealer what he thought about car covers, and he said "They are a great investment if you don't have a indoor place to park your car. They help protect your vehicle from the elements, not to mention, other people." Seems I hit on a topic he knew about because he kept on talking.
"You're going to need a custom car cover for this vehicle, being it's a SUV, and there are plenty of places you can find that make them" he replied. He then went on to explain that not only will it help to retain a higher value of the car, but it will have less wear and tear, and it would help to avoid the usual nicks and scratches you get.
Most of the time you speak to people in casual conversation, you either forget what they were saying, or you just brush it off as nonsense, but I have to say, this time I sure am glad that complete stranger mentioned this to me. Protect what you have, get a better return on your investment, and keep your car looking newer, longer, with a custom car cover.
About the Author
R. Palkra has spent over 40 years in the automotive industry, and knows the "in's and outs' of the system. Now retired, his mission is to spread his knowledge, and help educate others, so they are armed with the information they need. You can find out more, voice your opinion, and share your experience at http://www.custom-car-cover-review.com
Written by: R. Palkra
Cars And More # 5
Oil - The Lifeblood Of Your Car
I was actually a passenger in a car that was having an active oil leak. The driver knew what was happening, and was warned to pull to the side of the road and call a tow truck, but she wanted to try to make it home. Unfortunately, she didn't. The engine seized up, never to run again. What a foolish and costly mistake.
The simple fact is that the engine in your car cannot run without lubrication from oil. Heat and friction would, as illustrated in the case above, cause the engine to come to a full halt.
When I bought a new car many years ago and took it in for it's first oil change the mechanic said to me that if I kept the oil changed I'd get 200,000 miles out of the engine. He was right. I faithfully changed the oil every 3,000 miles and at 189,000 miles had to say goodbye to my faithful friend, not due to engine trouble, but due to a rusting frame. He also noticed that the oil filter that was on my vehicle from the manufacturer was larger than actually called for. He said this wasn't a bad idea. A larger amount of oil meant more flowing through the engine cooling and lubricating and cleaning the engine. When I started to change the oil myself I kept on using the larger oil filter.
Most new cars today don't call for their oil to be changed quite as often as every 3,000 miles. Generally it's 5,000 and some even more. I like to have the oil in my car changed at least every 5,000 miles. That oil change is actually more than an oil change. The technician gets to give your car a once over, checking belts and hoses and other vital fluids. Generally we don't even think about these things. It's much easier to change a worn belt while your car is in the shop than be broken down on the side of the road waiting for a tow truck.
The simple act of changing the oil in your car may be the best thing you can do to protect your car, and your investment in it.
About the Author
Written by: Jeff Slokum
I was actually a passenger in a car that was having an active oil leak. The driver knew what was happening, and was warned to pull to the side of the road and call a tow truck, but she wanted to try to make it home. Unfortunately, she didn't. The engine seized up, never to run again. What a foolish and costly mistake.
The simple fact is that the engine in your car cannot run without lubrication from oil. Heat and friction would, as illustrated in the case above, cause the engine to come to a full halt.
When I bought a new car many years ago and took it in for it's first oil change the mechanic said to me that if I kept the oil changed I'd get 200,000 miles out of the engine. He was right. I faithfully changed the oil every 3,000 miles and at 189,000 miles had to say goodbye to my faithful friend, not due to engine trouble, but due to a rusting frame. He also noticed that the oil filter that was on my vehicle from the manufacturer was larger than actually called for. He said this wasn't a bad idea. A larger amount of oil meant more flowing through the engine cooling and lubricating and cleaning the engine. When I started to change the oil myself I kept on using the larger oil filter.
Most new cars today don't call for their oil to be changed quite as often as every 3,000 miles. Generally it's 5,000 and some even more. I like to have the oil in my car changed at least every 5,000 miles. That oil change is actually more than an oil change. The technician gets to give your car a once over, checking belts and hoses and other vital fluids. Generally we don't even think about these things. It's much easier to change a worn belt while your car is in the shop than be broken down on the side of the road waiting for a tow truck.
The simple act of changing the oil in your car may be the best thing you can do to protect your car, and your investment in it.
About the Author
Written by: Jeff Slokum
21 July, 2009
Cars And More # 4
Mechanic reveals ways to make your car last longer
Every 2 weeks or 3,000 miles check engine oil, transmission fluid and coolant.
Once a month or 1,000 miles check tire pressure - with tire gauge. Check transmission fluid and brake fluid. Wax car to protect finish and a smooth finish will reduce the wind drag increasing your fuel economy. Check belts and hoses for excessive wear.
Every 3 months or 3,000 miles Change oil and oil filter or every 6 months or 3,000 miles depending on your driving habits. You will also want to lubricate the chassis check transmission fluid and check all drive belts (fan belts) replace frayed or cracked belts.
Every 6 months or 6,000 miles inspect suspension, rotate and inspect tires.
Every 12 months or 12,000 miles flush radiator, replace anti-freeze, check air conditioning system. Replace air filters and lubricate chassis.
Every 2 years or 24,000 miles replace spark plugs (30,000 miles average suggested for unleaded gas) and PCV valve. Change automatic transmission fluid, filter and pan gasket. You should also inspect brake linings at this time.
Every 3 years or 30,000 miles check and test ignition wires, test cooling system, heating hoses and drive belts, check brake shoes. (replace if needed)
Replace fluid in differential and manual transmission. (Every 50,000 miles)
If you have a major repair to do, it's wise to get at least 3 estimates, if possible, before you decide. It's hard to be overcharged when you get three estimates before you have the work done. Make sure you get promised repairs in writing including how much it will cost.
Read and follow your car owner's manual - it's your car's bible for making your car last longer.
Whether you are a man, woman, boy or girl; you should learn to do some routine maintenance on your car yourself. A multitude of books, videos, magazines and classes are available at your local library that will teach you for free if you don't know. Learn how to check your own oil, transmission fluid, tire pressure and coolant, etc.
If you find a good mechanic who you can trust, stick with him even if his prices are a bit higher - all things being equal. You'll always save time, money and aggravation in the long run.
Beware: Cheapest is not always the best. Normally, the best mechanics with the best equipment and training cost more. Often mechanics that charge extremely low prices have inferior or out-dated equipment, little to no formal training or are under-insured.
Complex electrical problems are so involved that serious electrical work should be done in an "Auto Electric" shop. They have the equipment, tool and training to do the job more efficiently than the average mechanic.
Avoid car dealers except to have highly specialized repairs done that can't be done properly anywhere else.
The best as well as the easiest ways to find a good car repair shop is by recommendation or referrals from satisfied customers.
To have work done on late model computer-controlled engines, make sure the shop you choose has the equipment to handle computer-electric service/repair. Sophisticated diagnostic equipment is a must.
To choose the right repair shop for you, it's wise to have a small or minor maintenance or repair job done first to see how the repair shop and mechanic treat you and your car.
You should give detailed description of your car's problem when you take it in for repairs. The more you can describe what your car is doing or not doing (thumping, squealing, clacking sound, etc.) the faster and less it will cost for your mechanic to fix it.
When in doubt about the cost of a repair or a mechanic's honesty get a second opinion. This is one of the best ways to protect yourself from being ripped-off until you can find a permanent repair shop.
Don't race or gun your engine when you start it up. Accelerate slowly and smoothly when your engine is cold,
Stop and accelerate gradually avoiding jackrabbit starts and stops. Avoid burning rubber it places excessive wear on the transmission and rear end, not to mention your tires.
An international tire company estimated that 33% of all tires on the road are under-inflated (low air). Under-inflated tires wear out quicker and have a tendency to blow out easier. Keep front-end aligned, for longer tire life and better gas mileage. Tires driven at 70 mph. wear out almost twice as fast as those driven 50 mph.
Avoid tailgating, tire squealing turns, flying over speed bumps, pot holes and revving your engine.
When possible, avoid driving your car during rush hour stop and go traffic periods.
If your car has "Cruise Control" use it. Using cruise control will save you 5% to 10% of a gallon of gas on long trips.
Avoid constantly pressing and releasing the accelerator when driving. This practice not only wastes fuel, but it puts excessive wear on the drive train of your car.
Don't ride your brake pedal, this wears out your brake linings pre-maturely, and wastes fuel.
Driving with your windows all the way down at higher speeds, will waste 10% more gallons of gasoline than driving with them closed.
Research by a major car manufacturer has revealed that neglect of proper routine maintenance is the number one reason for the enormous increase in car repairs being required.
Tires purchased at department stores such as Sears, Montgomery Wards, K-Mart etc., can be an excellent value because many are made by leading tire manufacturers. When purchasing or changing tires, make sure you have them spin balanced. For a list of what manufacturer makes which tires for what department store, write to: Tire Information Centre, P.O. Box 677, Syosset, NY 11791
Avoid cleaning your windshield with a dry rag or towel. Always dampen with water or some other cleaning liquid. Dry towels grind and scratch your windshield hindering your visibility.
Avoid turning on the car air-conditioning while running at highway speeds as this tends to put an immediate heavy load on your compressor and clutch. This could cause excessive wear and tear on these components. Instead turn your air conditioner on at car speeds below 25 to 30 mph. This helps to preserve your expensive compressor.
Try to avoid running your car with the tank low on gas. Keeping a low tank of gas increases the chance of dirt, water/moisture and rust forming in your fuel system. Keeping a full tank decreases the chance of dirt and other foreign matter forming in your fuel system.
Regular oil changes are the most important thing you can do to protect your engine and make it last longer. Each time you have your engine oil checked; have your transmission fluid checked also.
If you have a manual transmission it is better to down shift to slow your car down instead of using your brakes. This will save wear and tear on your braking system.
A garaged car lasts longer. A car port is next best, and a car cover is a distant third. Protect your car's interior and make it last longer - park your car in the shade or place a windshield guard or cover in the windshield. If you spill something inside your car, clean it up immediately before it dries. Delaying even 30 minutes can sometimes leave a permanent stain or spot. To better protect your car seats have them treated with scotch guard.
NOTE: According to current auto insurance statistics, the average U.S. car's useful life is 10 years or 100,000 miles. By following proper preventative maintenance you can often double your car's useful life, and spend less
About the Author
Pierre Schexneider is president of The Schexneider Group, LLC an E-commerce consulting business. As a consultant his research abilities have afforded him many opportunities to expand his knowledge base. For gas saving tips please visit:
How to Save on Gas
Written by: Pierre Schexneider M. Ed.
Every 2 weeks or 3,000 miles check engine oil, transmission fluid and coolant.
Once a month or 1,000 miles check tire pressure - with tire gauge. Check transmission fluid and brake fluid. Wax car to protect finish and a smooth finish will reduce the wind drag increasing your fuel economy. Check belts and hoses for excessive wear.
Every 3 months or 3,000 miles Change oil and oil filter or every 6 months or 3,000 miles depending on your driving habits. You will also want to lubricate the chassis check transmission fluid and check all drive belts (fan belts) replace frayed or cracked belts.
Every 6 months or 6,000 miles inspect suspension, rotate and inspect tires.
Every 12 months or 12,000 miles flush radiator, replace anti-freeze, check air conditioning system. Replace air filters and lubricate chassis.
Every 2 years or 24,000 miles replace spark plugs (30,000 miles average suggested for unleaded gas) and PCV valve. Change automatic transmission fluid, filter and pan gasket. You should also inspect brake linings at this time.
Every 3 years or 30,000 miles check and test ignition wires, test cooling system, heating hoses and drive belts, check brake shoes. (replace if needed)
Replace fluid in differential and manual transmission. (Every 50,000 miles)
If you have a major repair to do, it's wise to get at least 3 estimates, if possible, before you decide. It's hard to be overcharged when you get three estimates before you have the work done. Make sure you get promised repairs in writing including how much it will cost.
Read and follow your car owner's manual - it's your car's bible for making your car last longer.
Whether you are a man, woman, boy or girl; you should learn to do some routine maintenance on your car yourself. A multitude of books, videos, magazines and classes are available at your local library that will teach you for free if you don't know. Learn how to check your own oil, transmission fluid, tire pressure and coolant, etc.
If you find a good mechanic who you can trust, stick with him even if his prices are a bit higher - all things being equal. You'll always save time, money and aggravation in the long run.
Beware: Cheapest is not always the best. Normally, the best mechanics with the best equipment and training cost more. Often mechanics that charge extremely low prices have inferior or out-dated equipment, little to no formal training or are under-insured.
Complex electrical problems are so involved that serious electrical work should be done in an "Auto Electric" shop. They have the equipment, tool and training to do the job more efficiently than the average mechanic.
Avoid car dealers except to have highly specialized repairs done that can't be done properly anywhere else.
The best as well as the easiest ways to find a good car repair shop is by recommendation or referrals from satisfied customers.
To have work done on late model computer-controlled engines, make sure the shop you choose has the equipment to handle computer-electric service/repair. Sophisticated diagnostic equipment is a must.
To choose the right repair shop for you, it's wise to have a small or minor maintenance or repair job done first to see how the repair shop and mechanic treat you and your car.
You should give detailed description of your car's problem when you take it in for repairs. The more you can describe what your car is doing or not doing (thumping, squealing, clacking sound, etc.) the faster and less it will cost for your mechanic to fix it.
When in doubt about the cost of a repair or a mechanic's honesty get a second opinion. This is one of the best ways to protect yourself from being ripped-off until you can find a permanent repair shop.
Don't race or gun your engine when you start it up. Accelerate slowly and smoothly when your engine is cold,
Stop and accelerate gradually avoiding jackrabbit starts and stops. Avoid burning rubber it places excessive wear on the transmission and rear end, not to mention your tires.
An international tire company estimated that 33% of all tires on the road are under-inflated (low air). Under-inflated tires wear out quicker and have a tendency to blow out easier. Keep front-end aligned, for longer tire life and better gas mileage. Tires driven at 70 mph. wear out almost twice as fast as those driven 50 mph.
Avoid tailgating, tire squealing turns, flying over speed bumps, pot holes and revving your engine.
When possible, avoid driving your car during rush hour stop and go traffic periods.
If your car has "Cruise Control" use it. Using cruise control will save you 5% to 10% of a gallon of gas on long trips.
Avoid constantly pressing and releasing the accelerator when driving. This practice not only wastes fuel, but it puts excessive wear on the drive train of your car.
Don't ride your brake pedal, this wears out your brake linings pre-maturely, and wastes fuel.
Driving with your windows all the way down at higher speeds, will waste 10% more gallons of gasoline than driving with them closed.
Research by a major car manufacturer has revealed that neglect of proper routine maintenance is the number one reason for the enormous increase in car repairs being required.
Tires purchased at department stores such as Sears, Montgomery Wards, K-Mart etc., can be an excellent value because many are made by leading tire manufacturers. When purchasing or changing tires, make sure you have them spin balanced. For a list of what manufacturer makes which tires for what department store, write to: Tire Information Centre, P.O. Box 677, Syosset, NY 11791
Avoid cleaning your windshield with a dry rag or towel. Always dampen with water or some other cleaning liquid. Dry towels grind and scratch your windshield hindering your visibility.
Avoid turning on the car air-conditioning while running at highway speeds as this tends to put an immediate heavy load on your compressor and clutch. This could cause excessive wear and tear on these components. Instead turn your air conditioner on at car speeds below 25 to 30 mph. This helps to preserve your expensive compressor.
Try to avoid running your car with the tank low on gas. Keeping a low tank of gas increases the chance of dirt, water/moisture and rust forming in your fuel system. Keeping a full tank decreases the chance of dirt and other foreign matter forming in your fuel system.
Regular oil changes are the most important thing you can do to protect your engine and make it last longer. Each time you have your engine oil checked; have your transmission fluid checked also.
If you have a manual transmission it is better to down shift to slow your car down instead of using your brakes. This will save wear and tear on your braking system.
A garaged car lasts longer. A car port is next best, and a car cover is a distant third. Protect your car's interior and make it last longer - park your car in the shade or place a windshield guard or cover in the windshield. If you spill something inside your car, clean it up immediately before it dries. Delaying even 30 minutes can sometimes leave a permanent stain or spot. To better protect your car seats have them treated with scotch guard.
NOTE: According to current auto insurance statistics, the average U.S. car's useful life is 10 years or 100,000 miles. By following proper preventative maintenance you can often double your car's useful life, and spend less
About the Author
Pierre Schexneider is president of The Schexneider Group, LLC an E-commerce consulting business. As a consultant his research abilities have afforded him many opportunities to expand his knowledge base. For gas saving tips please visit:
How to Save on Gas
Written by: Pierre Schexneider M. Ed.
Cars And More # 3
Researching used car prices on the Internet
No sooner have you started searching for car prices on the Internet, your head will be spinning with competitive car prices and promises of prompt delivery, dedicated customer service response, and huge discounts. Are all of those promises and claims to be believed? Your guess is as good as mine, if you want the truth. But then, there are ways to help you find the less unscrupulous ones on the Internet and bring you honest-to-goodness car prices that are well worth your time and money.
There are tons of car and used car websites where you can research on car prices on the Internet. Some of the more popular ones are www.cars.com, www.invoicedealers.com, www.autoweb.com, www.carsdirect.com, www.edmunds.com, www.autos.com, www.car.com, and www.autousa.com. These websites are, essentially, websites that lets car sellers and dealers post their cars and used cars for sale together with the car prices that they are willing to sell the car for. Car buyers will log into the website looking for the car that they want and when the sale goes through, the car seller and car buyer will perform a transaction and the website gets a cut and the car seller gets the rest. The car prices consist of the price of the car, the commission of the seller and the commission due to the listing website. Well, that's if we assume that there are no other parties involved in this transaction. If there are more people stuck in the middle trying to make a quick buck out of the car sale, the car price will hike up accordingly.
If you already know the make and model of the car you're interested to purchase, the only thing left to do is to go to those car listing website, search through their database, check out the car prices they have there and compare the car prices they have with the ones in other websites. Don't forget to compare the car prices with the local car dealer and used-car dealer too, just for good measure. You'll be surprised, sometimes, the local car dealer may have better car prices for you. if not, perhaps the used car dealer may have a fabulous deal in store for you with a car with an unbelievable price and in perfect condition (not the banged-up, knocked-around, and shabbily fixed-up) kind.
Comparing car prices is important. You can do this with a spreadsheet like Excel file. This is easy but if you are going to take your own sweet time researching the car prices, make sure you mark down the date you extract the prices. Car prices go up and down faster than you can imagine. Try find car prices at http://search.ebay.com/car_eBay-Motors_W0QQsacatZ6000
When researching car prices, the more important thing to ensure is the condition of the car. One of the ways to determine if the car price is worth it is to take a look at the picture of the car, if personal examination is not possible at that point in time. However, pictures can be manipulated. And some pictures are not genuine, i.e., the picture is not the real car picture of the car that is for sale. So, be wary, keep in touch with the seller and if the seller sounds dodgy, dodge him...or her.
About the Author
Dakota Caudilla, journalist, and website builder Dakota Caudilla lives in Texas. He is the owner and co-editor of http://www.great-car-deals.com on which you will find a longer, more detailed version of this article.
Written by: Dakota Caudilla
No sooner have you started searching for car prices on the Internet, your head will be spinning with competitive car prices and promises of prompt delivery, dedicated customer service response, and huge discounts. Are all of those promises and claims to be believed? Your guess is as good as mine, if you want the truth. But then, there are ways to help you find the less unscrupulous ones on the Internet and bring you honest-to-goodness car prices that are well worth your time and money.
There are tons of car and used car websites where you can research on car prices on the Internet. Some of the more popular ones are www.cars.com, www.invoicedealers.com, www.autoweb.com, www.carsdirect.com, www.edmunds.com, www.autos.com, www.car.com, and www.autousa.com. These websites are, essentially, websites that lets car sellers and dealers post their cars and used cars for sale together with the car prices that they are willing to sell the car for. Car buyers will log into the website looking for the car that they want and when the sale goes through, the car seller and car buyer will perform a transaction and the website gets a cut and the car seller gets the rest. The car prices consist of the price of the car, the commission of the seller and the commission due to the listing website. Well, that's if we assume that there are no other parties involved in this transaction. If there are more people stuck in the middle trying to make a quick buck out of the car sale, the car price will hike up accordingly.
If you already know the make and model of the car you're interested to purchase, the only thing left to do is to go to those car listing website, search through their database, check out the car prices they have there and compare the car prices they have with the ones in other websites. Don't forget to compare the car prices with the local car dealer and used-car dealer too, just for good measure. You'll be surprised, sometimes, the local car dealer may have better car prices for you. if not, perhaps the used car dealer may have a fabulous deal in store for you with a car with an unbelievable price and in perfect condition (not the banged-up, knocked-around, and shabbily fixed-up) kind.
Comparing car prices is important. You can do this with a spreadsheet like Excel file. This is easy but if you are going to take your own sweet time researching the car prices, make sure you mark down the date you extract the prices. Car prices go up and down faster than you can imagine. Try find car prices at http://search.ebay.com/car_eBay-Motors_W0QQsacatZ6000
When researching car prices, the more important thing to ensure is the condition of the car. One of the ways to determine if the car price is worth it is to take a look at the picture of the car, if personal examination is not possible at that point in time. However, pictures can be manipulated. And some pictures are not genuine, i.e., the picture is not the real car picture of the car that is for sale. So, be wary, keep in touch with the seller and if the seller sounds dodgy, dodge him...or her.
About the Author
Dakota Caudilla, journalist, and website builder Dakota Caudilla lives in Texas. He is the owner and co-editor of http://www.great-car-deals.com on which you will find a longer, more detailed version of this article.
Written by: Dakota Caudilla
Cars And More # 2
Seven Steps to Filing Your Car Insurance Claim
Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible.
Step 1: Understand your policy
Before a loss, sit down and carefully read your insurance policy. Call your agent or company if you have any questions about what is or is not covered.
Step 2: Exchange information
If you are involved in an accident, get the other driver's name, address, phone number, insurance carrier, and insurer's phone number. Be prepared to give the same information about yourself to the other driver. You can find insurers' telephone numbers on the proof-of-insurance cards that should be carried on your person when operating a motor vehicle.
Step 3: Identify witnesses
Ask witnesses to the accident for their names and phone numbers in case their account of the accident is needed.
Step 4: File an accident report
Contact local law enforcement officers to have an accident report prepared. If law enforcement is not reachable, accident reports and detailed instructions are available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site.
Step 5: Notify your insurer
Contact your insurance company about the accident as soon as possible. An insurance adjuster will review the accident report to determine who caused the accident. If the accident was not your fault, you can have either your insurance company or the at-fault driver's insurance company handle the repair or replacement of your vehicle. If you use the other driver's company, you will not have a claim on your automobile policy and you will not have to pay a deductible.
Step 6: Do not release insurers too early
Do not relieve your insurance company of its responsibility until the damages are settled to your satisfaction. For example, have your insurance company handle the claim if the other party's insurance company questions its policyholder's negligence or offers an unacceptable settlement.
Step 7: Consider these settlement factors
. Bodily injuries: You may be entitled to a monetary settlement for injuries caused by another at fault (liable) party. It can take several days for some injuries to become apparent.
. Damages: The insurance company is responsible to pay for the reasonable cost of repairs to your vehicle. An insurance adjuster will assess the damage. Usually, insurance companies and auto body shops negotiate disagreements about what should be repaired. If you disagree with their conclusions, you have the right to obtain another appraisal at any auto body shop.
. Appraisal clause: Most auto insurance policies include an appraisal clause, which can be used to help settle disputes about physical damage claims between you and your insurance company. (The appraisal clause does not apply for claims you file with the other party's insurance company.) If you cannot reach an agreement with your company, you or your insurer can initiate the appraisal clause. Your appraiser and your insurer's appraiser then select an independent umpire to try to resolve the dispute. Check your policy or ask your agent or insurance company for more information about the appraisal clause.
And that is it. While filing a claim is certainly no fun, following these seven steps will make the process almost as easy as getting free quotes and purchasing your car insurance at http://www.carinsurance.com.
Visit http://www.carinsurance.com For Your Free Quote
About the Author
Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
CarInsurance.com offers the ability to shop for car insurance online. Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!
Written by: Jon Register
Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible.
Step 1: Understand your policy
Before a loss, sit down and carefully read your insurance policy. Call your agent or company if you have any questions about what is or is not covered.
Step 2: Exchange information
If you are involved in an accident, get the other driver's name, address, phone number, insurance carrier, and insurer's phone number. Be prepared to give the same information about yourself to the other driver. You can find insurers' telephone numbers on the proof-of-insurance cards that should be carried on your person when operating a motor vehicle.
Step 3: Identify witnesses
Ask witnesses to the accident for their names and phone numbers in case their account of the accident is needed.
Step 4: File an accident report
Contact local law enforcement officers to have an accident report prepared. If law enforcement is not reachable, accident reports and detailed instructions are available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site.
Step 5: Notify your insurer
Contact your insurance company about the accident as soon as possible. An insurance adjuster will review the accident report to determine who caused the accident. If the accident was not your fault, you can have either your insurance company or the at-fault driver's insurance company handle the repair or replacement of your vehicle. If you use the other driver's company, you will not have a claim on your automobile policy and you will not have to pay a deductible.
Step 6: Do not release insurers too early
Do not relieve your insurance company of its responsibility until the damages are settled to your satisfaction. For example, have your insurance company handle the claim if the other party's insurance company questions its policyholder's negligence or offers an unacceptable settlement.
Step 7: Consider these settlement factors
. Bodily injuries: You may be entitled to a monetary settlement for injuries caused by another at fault (liable) party. It can take several days for some injuries to become apparent.
. Damages: The insurance company is responsible to pay for the reasonable cost of repairs to your vehicle. An insurance adjuster will assess the damage. Usually, insurance companies and auto body shops negotiate disagreements about what should be repaired. If you disagree with their conclusions, you have the right to obtain another appraisal at any auto body shop.
. Appraisal clause: Most auto insurance policies include an appraisal clause, which can be used to help settle disputes about physical damage claims between you and your insurance company. (The appraisal clause does not apply for claims you file with the other party's insurance company.) If you cannot reach an agreement with your company, you or your insurer can initiate the appraisal clause. Your appraiser and your insurer's appraiser then select an independent umpire to try to resolve the dispute. Check your policy or ask your agent or insurance company for more information about the appraisal clause.
And that is it. While filing a claim is certainly no fun, following these seven steps will make the process almost as easy as getting free quotes and purchasing your car insurance at http://www.carinsurance.com.
Visit http://www.carinsurance.com For Your Free Quote
About the Author
Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
CarInsurance.com offers the ability to shop for car insurance online. Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!
Written by: Jon Register
Cars And More
Choosing the right car
We all dream about the car we’d like, Maybe we see one in the street and think “that’s the one for me” then, being fickle, will see another a little further along the street and say “No, that’s the car I want!”.
Don’t worry, this is quite normal, very few people know exactly what they want.
Here, we give you some considerations on choosing the right car for you so you don’t end up saddled with a car that, frankly, disappoints you! Remember that you are likely to spend a lot of your time sitting in it and the model you choose will say a lot about you to other people.
What will be your new car’s main purpose?
Your lifestyle and what your new car will be used for is the very first thing you need to think about. Basically, your dream car may be TT Roadster (a two-seater) bit if the car is to be used to drop the kids off to school, then it really won’t be suitable!
Consider this ….
• Is the car going to be used for family trips?
• commuting to work in? (then choose a diesel to get the most from your fuel)
• will it be a sporty second car for week-ends?
• Does it need to used for off-roading?
• Will it be needed for business?
• Are you married or single? Do you have children? etc etc
This will then help you build a picture in mind of the car that is realistically right for you
The costs
Another important consideration is running costs:
• What insurance group is the car? The higher the group, the more your insurance premium will be
• If your car is going to do a lot of mileage (over 12,000 miles a year), then think about choosing a car with a diesel engine – these are better on fuel consumption
• More expensive cars will have higher servicing and maintenance bills
Comfort
Depending on what purpose your car is used for, comfort is a consideration.
For commuting or high mileage vehicles, the car should be of the optimum comfort and, ideally, have air conditioning.
If it is a fun car, say a sporty number for weekends, then be prepared that the ride will be slightly harder (but a lot of fun!)
Featured Merchant
By now you should have a good idea of the type of car you want and what it needs to be like to suit your circumstances!
Now, think about how much you can comfortably afford and start doing your research!
The internet is a good place to start looking, you can research prices, specifications and, if you are after a new car, for a bit of fun, you can even visit a manufacturers site and build a car to your own specifications!
Also, scour the motor section of your local newspaper to see what finance deals and offers are on at local dealerships. You could pick up a good deal!
Happy Motoring!
About the Author
Jason Hulott is a Director of
Motor "http://www.motorcarloans.com" Motor Car Loans an automotive resource guide for those looking to buy, insure , sell or in fact do all most anything with a car. Sign up to our free car insurance course, send an email to motorcarloans@getresponse.com
Written by: Jason Hulott
We all dream about the car we’d like, Maybe we see one in the street and think “that’s the one for me” then, being fickle, will see another a little further along the street and say “No, that’s the car I want!”.
Don’t worry, this is quite normal, very few people know exactly what they want.
Here, we give you some considerations on choosing the right car for you so you don’t end up saddled with a car that, frankly, disappoints you! Remember that you are likely to spend a lot of your time sitting in it and the model you choose will say a lot about you to other people.
What will be your new car’s main purpose?
Your lifestyle and what your new car will be used for is the very first thing you need to think about. Basically, your dream car may be TT Roadster (a two-seater) bit if the car is to be used to drop the kids off to school, then it really won’t be suitable!
Consider this ….
• Is the car going to be used for family trips?
• commuting to work in? (then choose a diesel to get the most from your fuel)
• will it be a sporty second car for week-ends?
• Does it need to used for off-roading?
• Will it be needed for business?
• Are you married or single? Do you have children? etc etc
This will then help you build a picture in mind of the car that is realistically right for you
The costs
Another important consideration is running costs:
• What insurance group is the car? The higher the group, the more your insurance premium will be
• If your car is going to do a lot of mileage (over 12,000 miles a year), then think about choosing a car with a diesel engine – these are better on fuel consumption
• More expensive cars will have higher servicing and maintenance bills
Comfort
Depending on what purpose your car is used for, comfort is a consideration.
For commuting or high mileage vehicles, the car should be of the optimum comfort and, ideally, have air conditioning.
If it is a fun car, say a sporty number for weekends, then be prepared that the ride will be slightly harder (but a lot of fun!)
Featured Merchant
By now you should have a good idea of the type of car you want and what it needs to be like to suit your circumstances!
Now, think about how much you can comfortably afford and start doing your research!
The internet is a good place to start looking, you can research prices, specifications and, if you are after a new car, for a bit of fun, you can even visit a manufacturers site and build a car to your own specifications!
Also, scour the motor section of your local newspaper to see what finance deals and offers are on at local dealerships. You could pick up a good deal!
Happy Motoring!
About the Author
Jason Hulott is a Director of
Motor "http://www.motorcarloans.com" Motor Car Loans an automotive resource guide for those looking to buy, insure , sell or in fact do all most anything with a car. Sign up to our free car insurance course, send an email to motorcarloans@getresponse.com
Written by: Jason Hulott
17 July, 2009
Finance And More # 10
Bad Credit Mortgage Refinancing - Refinance High Interest Mortgage With Poor Credit
With bad credit, you can't afford not to refinance a high interest mortgage. Working with the right lender, you can trim your loan costs and help your monthly budget. You even have the option to cash out part or all of your equity to pay off high interest credit card debt. Subprime lenders can help you secure financing and reestablish your credit.
Ways To Reduce Your Rates
Even with poor credit, you can lower rates on a future refi loan. Adjustable rate mortgages offer lower initial rates than fixed rate mortgages. Often for two to seven years, rates can be guaranteed. After that, rates are based on an index fund, so they may increase. But with most lenders you can either lock in rates earlier or refinance.
Some lenders will also further reduce your rates if you opt for automatic payment. Your monthly mortgage payment is deducted from your checking account, so you don't worry about getting a payment in the mail.
The surest way to find low rates is to compare loan quotes. Each lender will offer you a different loan package with varying rates and fees. Base your loan decision on who can offer you the best overall financing. If you plan to keep your loan for seven years or more, consider paying a point or more to reduce your rate even more.
Kinds Of Rates To Expect
The best credit scores, 650 or higher, are eligible for market loan rates. Every 50 point drop, on average, adds a point or two to that loan rate. Closing fees are comparable to a conventional rate mortgage. A bonus with subprime lending is that you don't have to pay for private mortgage insurance.
Where To Find Subprime Lenders
Most financing companies now offer subprime financing to those with adverse credit. You can start your loan search with a mortgage broker. Simply mark that you have poor credit on your loan estimate form, and they will connect you to several competitive lenders.
Another option is to go directly to the lender sites. Either check their market rates on the homepage or request a quote. Make sure that you also note closing costs and fees. You don't want to get caught on early payment fees either.
About the author:
View our recommended Bad Credit Mortgage Refinance lenders or view all of our Recommended Refinance Lenders.
Written by: Carrie Reeder
With bad credit, you can't afford not to refinance a high interest mortgage. Working with the right lender, you can trim your loan costs and help your monthly budget. You even have the option to cash out part or all of your equity to pay off high interest credit card debt. Subprime lenders can help you secure financing and reestablish your credit.
Ways To Reduce Your Rates
Even with poor credit, you can lower rates on a future refi loan. Adjustable rate mortgages offer lower initial rates than fixed rate mortgages. Often for two to seven years, rates can be guaranteed. After that, rates are based on an index fund, so they may increase. But with most lenders you can either lock in rates earlier or refinance.
Some lenders will also further reduce your rates if you opt for automatic payment. Your monthly mortgage payment is deducted from your checking account, so you don't worry about getting a payment in the mail.
The surest way to find low rates is to compare loan quotes. Each lender will offer you a different loan package with varying rates and fees. Base your loan decision on who can offer you the best overall financing. If you plan to keep your loan for seven years or more, consider paying a point or more to reduce your rate even more.
Kinds Of Rates To Expect
The best credit scores, 650 or higher, are eligible for market loan rates. Every 50 point drop, on average, adds a point or two to that loan rate. Closing fees are comparable to a conventional rate mortgage. A bonus with subprime lending is that you don't have to pay for private mortgage insurance.
Where To Find Subprime Lenders
Most financing companies now offer subprime financing to those with adverse credit. You can start your loan search with a mortgage broker. Simply mark that you have poor credit on your loan estimate form, and they will connect you to several competitive lenders.
Another option is to go directly to the lender sites. Either check their market rates on the homepage or request a quote. Make sure that you also note closing costs and fees. You don't want to get caught on early payment fees either.
About the author:
View our recommended Bad Credit Mortgage Refinance lenders or view all of our Recommended Refinance Lenders.
Written by: Carrie Reeder
Finance And More # 9
Wedding Loans: Perfect Finance Option for a Perfect Wedding
After seeing each other for years and being tagged as ‘in love’ since eternity, you desire to bring this to a logical end. You are wrong if you think I am suggesting a divorce even before you are actually married. The end to every love is wedding -the wedding of two bodies and two souls.
Have you been planning wedding since a long time but have been hindered because of the huge cost weddings entail nowadays.
Worry not. Spend as much as you can, because wedding loans are there to pay every penny of the expenses.
Average wedding costs anywhere between $19,000 – $27,000. This may go much higher if one is planning to have a gala wedding with all the pomp and show included.
And why shan’t one. Wedding is a once in a lifetime event. People would take all efforts to make the wedding truly memorable.
But the society and the customs have changed much. Just as the parents or guardians lost their say over the choice of bride or groom, they have little to do in the planning and financing of the wedding. So it is the couple who does all the spending on the wedding.
So how do the couples bear the expenses of wedding, in spite of being new to their professions and low on the income graph?
Wedding loans are an effective tool in their hands which they use to pay the entire wedding expenses. Wedding loans can finance practically every wedding expense right from the elegant wedding dress to the exquisitely beautiful engagement ring, from the lavish reception to the impeccable church decoration.
There are a number of other expenses which seem insignificant if seen individually, but become difficult to repay when taken in totality. These can be very easily paid through wedding loans.
Besides, wedding loans can be a much cheaper option to use for the payment rather than credit cards or past savings. Using a credit card can be simple if one goes by the immediate outcomes. But when the credit card debts are due for payment you find them to be much more than what you really spent. No, the credit card company is not indulging in any king of overcharging or cheating. This is only because of the accumulation of interest. Payment through credit cards is just like drawing a loan, but at a much higher rate.
Utilizing past savings for a one day affair like a wedding would be a waste. It could have been a lot better had the past savings been used for some productive purposes.
A wedding loan allows the customer to enjoy two benefits. The first benefit of wedding loan is that the customer will not have to pay an exorbitantly high amount. Most of the lenders offer loans at reasonable rates of interest.
The second benefit is regarding the timing of payment. Even though a customer has to pay more than what he would have spent, he accepts this because he does not have to pay the whole amount at one go. Monthly payments require to be made towards the payment of loan.
A certain amount of planning is necessary when taking a wedding loan. If parents are ready to be a part of the finances then they must be included in discussions. How much can they spend on the wedding needs to be decided well in advance. This will determine the amount of wedding loan that needs to be applied for.
Secured wedding loans taken against ones home will be much cheaper. A valuation of the home or property will be done. One can draw loan depending upon the worth of his home. However there are options for those who do not have a home or who do not want to put their home under any kind of obligation.
Next comes the choice of lenders. It is no longer necessary to depend on lenders in one particular locality or region. Almost every big and small lender is available online. An internet connection is what is needed. One does not even have to leave his home or office, and loan can be applied for instantly. Such a relief from the previous times when a customer had to go to each and every lender to just get the quotes. Few customers were ready to go through this grind, and hence accepted whatever offer was given.
These loans are very easy to approve. With the valuation of property and credibility check over, it is very easy to get loans approved. Filling up each and every detail with caution and accuracy can save enough of time in the approval process.
Did you promise your wife an impeccable wedding ring? You can keep on the promise since wedding loans are there to meet the expense.
About the Author
Aditya Thakur is a financial consultant and is currently pursuing masters in journalism from JMI University. To find a secured loan that suits your need visit http://www.ukfinanceworld.co.uk
Written by: Aditya Thakur
After seeing each other for years and being tagged as ‘in love’ since eternity, you desire to bring this to a logical end. You are wrong if you think I am suggesting a divorce even before you are actually married. The end to every love is wedding -the wedding of two bodies and two souls.
Have you been planning wedding since a long time but have been hindered because of the huge cost weddings entail nowadays.
Worry not. Spend as much as you can, because wedding loans are there to pay every penny of the expenses.
Average wedding costs anywhere between $19,000 – $27,000. This may go much higher if one is planning to have a gala wedding with all the pomp and show included.
And why shan’t one. Wedding is a once in a lifetime event. People would take all efforts to make the wedding truly memorable.
But the society and the customs have changed much. Just as the parents or guardians lost their say over the choice of bride or groom, they have little to do in the planning and financing of the wedding. So it is the couple who does all the spending on the wedding.
So how do the couples bear the expenses of wedding, in spite of being new to their professions and low on the income graph?
Wedding loans are an effective tool in their hands which they use to pay the entire wedding expenses. Wedding loans can finance practically every wedding expense right from the elegant wedding dress to the exquisitely beautiful engagement ring, from the lavish reception to the impeccable church decoration.
There are a number of other expenses which seem insignificant if seen individually, but become difficult to repay when taken in totality. These can be very easily paid through wedding loans.
Besides, wedding loans can be a much cheaper option to use for the payment rather than credit cards or past savings. Using a credit card can be simple if one goes by the immediate outcomes. But when the credit card debts are due for payment you find them to be much more than what you really spent. No, the credit card company is not indulging in any king of overcharging or cheating. This is only because of the accumulation of interest. Payment through credit cards is just like drawing a loan, but at a much higher rate.
Utilizing past savings for a one day affair like a wedding would be a waste. It could have been a lot better had the past savings been used for some productive purposes.
A wedding loan allows the customer to enjoy two benefits. The first benefit of wedding loan is that the customer will not have to pay an exorbitantly high amount. Most of the lenders offer loans at reasonable rates of interest.
The second benefit is regarding the timing of payment. Even though a customer has to pay more than what he would have spent, he accepts this because he does not have to pay the whole amount at one go. Monthly payments require to be made towards the payment of loan.
A certain amount of planning is necessary when taking a wedding loan. If parents are ready to be a part of the finances then they must be included in discussions. How much can they spend on the wedding needs to be decided well in advance. This will determine the amount of wedding loan that needs to be applied for.
Secured wedding loans taken against ones home will be much cheaper. A valuation of the home or property will be done. One can draw loan depending upon the worth of his home. However there are options for those who do not have a home or who do not want to put their home under any kind of obligation.
Next comes the choice of lenders. It is no longer necessary to depend on lenders in one particular locality or region. Almost every big and small lender is available online. An internet connection is what is needed. One does not even have to leave his home or office, and loan can be applied for instantly. Such a relief from the previous times when a customer had to go to each and every lender to just get the quotes. Few customers were ready to go through this grind, and hence accepted whatever offer was given.
These loans are very easy to approve. With the valuation of property and credibility check over, it is very easy to get loans approved. Filling up each and every detail with caution and accuracy can save enough of time in the approval process.
Did you promise your wife an impeccable wedding ring? You can keep on the promise since wedding loans are there to meet the expense.
About the Author
Aditya Thakur is a financial consultant and is currently pursuing masters in journalism from JMI University. To find a secured loan that suits your need visit http://www.ukfinanceworld.co.uk
Written by: Aditya Thakur
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