There are ways to reduce your premiums without giving up coverage. One of the easiest things to do is get auto insurance rate quotes online. This will allow you to comparative shop stress free.
Are You Wealthy Yet?
Marty and his wife live at home with their 2 children. They own
a 3 bedroom house in a middle class neighborhood and try to live
within their means. Marty works full time in the Printing
Industry, while his wife is in charge of the home and looking
after the children.
They've accumulated some credit card debt and have 2 years left
on a car loan. They try to stay out of debt as much as possible
and together they've managed to contribute a total of $32,000 to
their own Retirement Fund. It is kept in term deposits receiving
5% interest annually.
Two years prior, the couple bought an older house that they
fixed-up and rent out for $850 a month. After paying the
mortgage and taxes $300 is left over each month. This goes into
their savings account each month.
At Christmas, the family bought themselves a new computer and
decided to start a home-based business. Things started out
fairly slowly but after 8 months they were receiving a steady
check of $400 a month which also goes into their savings
account. This part-time business will continue to grow with the
effort they dedicate to it.
This business also offers them some very lucrative tax savings.
By taking advantage of these Tax Strategies they are able to
save an additional $300 a month on tax that was normally
deducted from Marty's paycheck at work. This monthly income is
also added to the couple's savings.
Marty has just begun writing an E-book about his "production
expertise" at work. His plan is to market this book on the
internet for profit
Every Sunday the couple takes a drive to stay familiar with the
Real Estate market in their area. They're looking for another
property, a "handyman's special" to fix-up and rent out. They
have saved enough for a down payment and their credit with the
bank is well established.
The family's total monthly expenses are $2000. Now, here's the
question:
Does Marty's family have Wealth yet?
To answer this question properly you first have to understand
exactly what "wealth" means.You achieve wealth when: *Your
Passive Income is the same or greater than your Expenses.* So
what does this mean?
First, what is Passive Income?
Passive Income is money that you are paid over and over again
for work that you only do once. (This excludes using a gun or
finding cash on the street) Some examples of this would be
royalties for writing a book or a song, commissions that you
receive for sales that others make and interest from bank
savings or dividends on stocks/options that you own.
Second, what Expenses are we talking about? This one's a little
easier to understand. Expenses are the total amount it takes to
run your household and your life. This includes, rent, mortgage
payments, car insurance, food, credit card and loan payments,
etc………
Let's look at Marty's family a little closer…………. Does Marty
have any Passive Income? Yes he does. Marty's salary is not
considered Passive Income. That's because he has to work 40
hours a week just to get the basic amount. If Marty doesn't go
to work then he doesn't get paid. His overtime also doesn't
count as Passive Income.
The interest from their Retirement Fund does though. It's paid
to him month after month as long as it's left in that account.
So, $32,000 at 5% is $1600 a year. Divided by 12 months equals
$133 a month in interest. Ok…..what else?
After the mortgage and expenses are paid with the rent money
they receive on their rental property they are left with $300
every month. This is Passive Income. Just as long as the tenant
stays and pays his monthly rent.
How bout that $400 from the home-based business and the Tax
savings. Is this Passive Income? Well, Marty's wife made sure
that she chose a company where she could sign new business
accounts and get paid commissions on those accounts over and
over again. They've made a 5 year commitment to build this
business part-time. So yes, both the $400 and the $300 in Tax
Savings would apply as Passive Income. Let's add up Marty's
total Passive Income.
Interest $166.00 Rental Income $300.00 Home Based
Business$400.00 Tax Savings $300.00 Total $1166.00
Not including Marty's salary from work, his family's Passive
Income is $1166.00. Not bad. Every month this amount flows into
the family's bank account, regardless of anything else they do.
We said that Marty's monthly expenses total $2000.00 a month.
And we also said………… You have Wealth when: *Your Passive Income
is the same or greater than your Expenses.*
$2000 Expenses subtract $1166 Passive Income = $834 monthly
balance needed to have Wealth.
Marty's Expenses are still more than their Passive Income so
they're not wealthy just yet. But they're well over half-way
there. With this kind of knowledge a family can know exactly
where to focus their financial attention.
Maybe when Marty writes that ebook he could get some sales and
royalties from it. Also the new Real Estate and more work on
their Home-based business would certainly help them to attain
more Passive Income. Once Marty's Passive Income is more than
the family's Expenses then Marty could start to have much more
freedom. He may even choose to quit his job and continue
developing his Passive Income streams.
by: Al Walker http://www.businessprogramreviews.com
a 3 bedroom house in a middle class neighborhood and try to live
within their means. Marty works full time in the Printing
Industry, while his wife is in charge of the home and looking
after the children.
They've accumulated some credit card debt and have 2 years left
on a car loan. They try to stay out of debt as much as possible
and together they've managed to contribute a total of $32,000 to
their own Retirement Fund. It is kept in term deposits receiving
5% interest annually.
Two years prior, the couple bought an older house that they
fixed-up and rent out for $850 a month. After paying the
mortgage and taxes $300 is left over each month. This goes into
their savings account each month.
At Christmas, the family bought themselves a new computer and
decided to start a home-based business. Things started out
fairly slowly but after 8 months they were receiving a steady
check of $400 a month which also goes into their savings
account. This part-time business will continue to grow with the
effort they dedicate to it.
This business also offers them some very lucrative tax savings.
By taking advantage of these Tax Strategies they are able to
save an additional $300 a month on tax that was normally
deducted from Marty's paycheck at work. This monthly income is
also added to the couple's savings.
Marty has just begun writing an E-book about his "production
expertise" at work. His plan is to market this book on the
internet for profit
Every Sunday the couple takes a drive to stay familiar with the
Real Estate market in their area. They're looking for another
property, a "handyman's special" to fix-up and rent out. They
have saved enough for a down payment and their credit with the
bank is well established.
The family's total monthly expenses are $2000. Now, here's the
question:
Does Marty's family have Wealth yet?
To answer this question properly you first have to understand
exactly what "wealth" means.You achieve wealth when: *Your
Passive Income is the same or greater than your Expenses.* So
what does this mean?
First, what is Passive Income?
Passive Income is money that you are paid over and over again
for work that you only do once. (This excludes using a gun or
finding cash on the street) Some examples of this would be
royalties for writing a book or a song, commissions that you
receive for sales that others make and interest from bank
savings or dividends on stocks/options that you own.
Second, what Expenses are we talking about? This one's a little
easier to understand. Expenses are the total amount it takes to
run your household and your life. This includes, rent, mortgage
payments, car insurance, food, credit card and loan payments,
etc………
Let's look at Marty's family a little closer…………. Does Marty
have any Passive Income? Yes he does. Marty's salary is not
considered Passive Income. That's because he has to work 40
hours a week just to get the basic amount. If Marty doesn't go
to work then he doesn't get paid. His overtime also doesn't
count as Passive Income.
The interest from their Retirement Fund does though. It's paid
to him month after month as long as it's left in that account.
So, $32,000 at 5% is $1600 a year. Divided by 12 months equals
$133 a month in interest. Ok…..what else?
After the mortgage and expenses are paid with the rent money
they receive on their rental property they are left with $300
every month. This is Passive Income. Just as long as the tenant
stays and pays his monthly rent.
How bout that $400 from the home-based business and the Tax
savings. Is this Passive Income? Well, Marty's wife made sure
that she chose a company where she could sign new business
accounts and get paid commissions on those accounts over and
over again. They've made a 5 year commitment to build this
business part-time. So yes, both the $400 and the $300 in Tax
Savings would apply as Passive Income. Let's add up Marty's
total Passive Income.
Interest $166.00 Rental Income $300.00 Home Based
Business$400.00 Tax Savings $300.00 Total $1166.00
Not including Marty's salary from work, his family's Passive
Income is $1166.00. Not bad. Every month this amount flows into
the family's bank account, regardless of anything else they do.
We said that Marty's monthly expenses total $2000.00 a month.
And we also said………… You have Wealth when: *Your Passive Income
is the same or greater than your Expenses.*
$2000 Expenses subtract $1166 Passive Income = $834 monthly
balance needed to have Wealth.
Marty's Expenses are still more than their Passive Income so
they're not wealthy just yet. But they're well over half-way
there. With this kind of knowledge a family can know exactly
where to focus their financial attention.
Maybe when Marty writes that ebook he could get some sales and
royalties from it. Also the new Real Estate and more work on
their Home-based business would certainly help them to attain
more Passive Income. Once Marty's Passive Income is more than
the family's Expenses then Marty could start to have much more
freedom. He may even choose to quit his job and continue
developing his Passive Income streams.
by: Al Walker http://www.businessprogramreviews.com
A Home Based Business That Works
Everyone seems to be trying to work from home today. With the success most people are having from running a home base business everyone wants to get in on it. I myself have started up a home based business, but I keep my full time job. I have the time and freedom to do what I want to my business when I want.
Starting a home business is not that easy though. You have to be willing to work hard to get it up and running to the point where it almost makes you money with out you doing anything. Once you have reached that part of your business that is when most people will start another home business. That is how they make even more money by running more then just one home business. It took me a good two months before my home business got off the ground and into gear.
I have the found the perfect work from home business that anyone can do. With my hard work I put into my home business I started to see results a few months after I started. What is this business? It’s working with the e-currency exchange program. It is simple to start but hard at first because there is a learning curve. I bought a simple guide that showed me step by step how to start off in this amazing business. Once I was done I invested $400 and applied the steps that I learned, and watched my money grow to $4,000 in under Two months.
The more you put in the more you will make. My little brother (21 years old) didn’t think it worked but gave it a shot and only invested $100 into it. Before he knew it his money turned into $700 in under 32 days. You can see just that little more put in will make a big difference. The great thing about the e-currency exchange program is that your money grows everyday by 1.5% - 4.0%. There is nothing better then watching my money grow day after day. This is the easiest home business that I found that really does work.
by: Chris Rohrer
About the author:
Starting a home business is not that easy though. You have to be willing to work hard to get it up and running to the point where it almost makes you money with out you doing anything. Once you have reached that part of your business that is when most people will start another home business. That is how they make even more money by running more then just one home business. It took me a good two months before my home business got off the ground and into gear.
I have the found the perfect work from home business that anyone can do. With my hard work I put into my home business I started to see results a few months after I started. What is this business? It’s working with the e-currency exchange program. It is simple to start but hard at first because there is a learning curve. I bought a simple guide that showed me step by step how to start off in this amazing business. Once I was done I invested $400 and applied the steps that I learned, and watched my money grow to $4,000 in under Two months.
The more you put in the more you will make. My little brother (21 years old) didn’t think it worked but gave it a shot and only invested $100 into it. Before he knew it his money turned into $700 in under 32 days. You can see just that little more put in will make a big difference. The great thing about the e-currency exchange program is that your money grows everyday by 1.5% - 4.0%. There is nothing better then watching my money grow day after day. This is the easiest home business that I found that really does work.
by: Chris Rohrer
About the author:
Learn how I invested $400 and made it $4,000 in under 2 months time. Please visite E-currency Online
for more information.
Seven No Cost Tips to Market Your Business
Marketing a business can be fun, exciting and creative. It can also be very frustrating and expensive if one doesn’t know what outcome they are looking for or how to evaluate cost effective methods of marketing.
Over the years people have come to know me for my unique ability to develop low cost and no cost strategies to market and promote a business, product or service. Strategies that have realized incredible returns.
Some of my successes have included:
- Before my last book was published I pre-sold over $8,000 in books
- Over 250 people registered for a recent seminar in less than 2 weeks and the cost to promote was under $25
- One company used my strategies for a career expo and made over $180,000 in consulting fees
- One speaker sold over $23,000 in product sales back of the room at a two hour seminar with strategies outlined in my program
I don’t share this to impress anyone, rather to impress upon you when using the right strategies for your market, you can realize some incredible results.
People have also come to know me as someone who is a stickler when it comes to putting systems in place. My marketing successes are a direct result of the systems I have implemented.
With a bit of forethought, planning and desire, you can successfully market your business in a very effective manner. Below are seven proven strategies sure to increase visibility, leads and sales.
1. Business Cards
Business cards are often one of the most underutilized tools in one’s marketing.
Use the front and back of your business card to gain full benefit. Depending on your market you can put some very valuable information on the back such as a sports schedule, emergency numbers, or special dates people want to remember.
Keep some in your wallet, your automobile, on your desk, and some at home. Be sure to carry them with you wherever you go and be willing to hand them out as opportunity presents itself.
Creatively distribute your card. When you eat out you can leave one with the tip.
If you borrow a library book, use one as a book mark. Hand them to clerks in stores who may know other people who could use your product or service.
When someone gives you their business card be sure to enter their information in your database. Send them a short note or email within 48 hours of meeting them to keep your name fresh in their mind.
2. Send a picture
A great way to keep your name fresh in a customer’s mind is to send them a picture of when they purchased a product or service from you.
Put a picture of a buyer’s auto purchase in a beautiful calendar. Likely, the proud owner of the vehicle will display the calendar for the next 365 days.
For specialty gift shops, when a customer makes a substantial purchase, have a picture taken with the shop owner. Frame the picture and send it to the customer.
Chances are very good the picture will be displayed proudly for friends and family to see.
A dentist who specializes in smile makeovers can easily arrange to have a professional makeup artist and photographer capture the patient’s beautiful new smile. No doubt the patient will be more than happy to show others their new look.
3. Associations
Associations particular to your market are a great resource for marketing. There are associations specific to virtually any industry, job type or business. A quick web search will likely show you how much is available.
A major opportunity within many organizations is the chance to network. Additionally, to make presentations. Along with presentations come publications.
Often, when you do a presentation, you will get a mention in the association newsletter, their Ezine and/or on their website.
In many cases, when an organization has a newsletter or Ezine, they welcome the presenter writing a press announcement for them. It saves them time and often assures you have a better chance of the information making it into the publication.
They may also welcome you writing an article for their publication or website.
This lends itself to pre-presentation visibility. Additionally, you will position yourself as an expert and increase credibility.
Most organizations have the following opportunities that can help you to gain visibility and do some very effective marketing:
-Newsletters
-Internet listings
-Links to you website
-Discounted advertising rates
-Networking opportunities
-Business referral services
-Special recognition events
-Education seminars
-Business and membership directories
In many cases you will need to be a member of the association to take advantage of the multiple marketing opportunities. In other cases membership is not necessary.
4. Committee Involvement
Committee involvement is a great way to give back to the association or community while building visibility for you and your business. In some cases, you may even want to get involved in a committee where you have little experience or knowledge. This will give you an opportunity to stretch yourself and meet and network with individuals you may not have otherwise had the chance to meet.
5. Contests and drawings
Contests are a favorite for many businesses such as restaurants or those that have high foot traffic. Contests are a great way to build your database quickly.
You are generating very hot leads when you have a contest with people who have already frequented your place of business. The key though is to do back -end marketing. Far too many businesses hold contests, get lots of names and do nothing with them. In this case, it is a complete waste of time to hold a contest.
You can advertise a contest to gain new foot traffic in your place of business.
Trade show booths are a great place to hold a contest. Pre-show marketing helps to generate traffic at your booth. Invite people to stop by booth # _____ (whatever your booth is) to enter to win. Creative contests can also generate free publicity.
6. Cross-promoting
Join with other companies who have products or services that compliment yours and promote each other. Let’s say you have a massage business. You could partner with a candle company to sell their candles to your massage clients. They can give out coupons for your massage business. Or the candle company can partner with a gift basket company. Cross-promoting is only limited by your imagination.
This can considerably cut down the cost of business promotion and allow each business to use promotion techniques that might be too expensive to implement alone.
7. Bonuses
Secure special offers from various businesses who want to share a similar market as you. When a customer buys a minimum amount they receive a bonus packet with the various offers from the other vendors. This is a win/win all the way around. The other vendors gain visibility, you have something extra to offer you customers and the customers get incredible value for their purchase.
by: Kathleen Gage
Over the years people have come to know me for my unique ability to develop low cost and no cost strategies to market and promote a business, product or service. Strategies that have realized incredible returns.
Some of my successes have included:
- Before my last book was published I pre-sold over $8,000 in books
- Over 250 people registered for a recent seminar in less than 2 weeks and the cost to promote was under $25
- One company used my strategies for a career expo and made over $180,000 in consulting fees
- One speaker sold over $23,000 in product sales back of the room at a two hour seminar with strategies outlined in my program
I don’t share this to impress anyone, rather to impress upon you when using the right strategies for your market, you can realize some incredible results.
People have also come to know me as someone who is a stickler when it comes to putting systems in place. My marketing successes are a direct result of the systems I have implemented.
With a bit of forethought, planning and desire, you can successfully market your business in a very effective manner. Below are seven proven strategies sure to increase visibility, leads and sales.
1. Business Cards
Business cards are often one of the most underutilized tools in one’s marketing.
Use the front and back of your business card to gain full benefit. Depending on your market you can put some very valuable information on the back such as a sports schedule, emergency numbers, or special dates people want to remember.
Keep some in your wallet, your automobile, on your desk, and some at home. Be sure to carry them with you wherever you go and be willing to hand them out as opportunity presents itself.
Creatively distribute your card. When you eat out you can leave one with the tip.
If you borrow a library book, use one as a book mark. Hand them to clerks in stores who may know other people who could use your product or service.
When someone gives you their business card be sure to enter their information in your database. Send them a short note or email within 48 hours of meeting them to keep your name fresh in their mind.
2. Send a picture
A great way to keep your name fresh in a customer’s mind is to send them a picture of when they purchased a product or service from you.
Put a picture of a buyer’s auto purchase in a beautiful calendar. Likely, the proud owner of the vehicle will display the calendar for the next 365 days.
For specialty gift shops, when a customer makes a substantial purchase, have a picture taken with the shop owner. Frame the picture and send it to the customer.
Chances are very good the picture will be displayed proudly for friends and family to see.
A dentist who specializes in smile makeovers can easily arrange to have a professional makeup artist and photographer capture the patient’s beautiful new smile. No doubt the patient will be more than happy to show others their new look.
3. Associations
Associations particular to your market are a great resource for marketing. There are associations specific to virtually any industry, job type or business. A quick web search will likely show you how much is available.
A major opportunity within many organizations is the chance to network. Additionally, to make presentations. Along with presentations come publications.
Often, when you do a presentation, you will get a mention in the association newsletter, their Ezine and/or on their website.
In many cases, when an organization has a newsletter or Ezine, they welcome the presenter writing a press announcement for them. It saves them time and often assures you have a better chance of the information making it into the publication.
They may also welcome you writing an article for their publication or website.
This lends itself to pre-presentation visibility. Additionally, you will position yourself as an expert and increase credibility.
Most organizations have the following opportunities that can help you to gain visibility and do some very effective marketing:
-Newsletters
-Internet listings
-Links to you website
-Discounted advertising rates
-Networking opportunities
-Business referral services
-Special recognition events
-Education seminars
-Business and membership directories
In many cases you will need to be a member of the association to take advantage of the multiple marketing opportunities. In other cases membership is not necessary.
4. Committee Involvement
Committee involvement is a great way to give back to the association or community while building visibility for you and your business. In some cases, you may even want to get involved in a committee where you have little experience or knowledge. This will give you an opportunity to stretch yourself and meet and network with individuals you may not have otherwise had the chance to meet.
5. Contests and drawings
Contests are a favorite for many businesses such as restaurants or those that have high foot traffic. Contests are a great way to build your database quickly.
You are generating very hot leads when you have a contest with people who have already frequented your place of business. The key though is to do back -end marketing. Far too many businesses hold contests, get lots of names and do nothing with them. In this case, it is a complete waste of time to hold a contest.
You can advertise a contest to gain new foot traffic in your place of business.
Trade show booths are a great place to hold a contest. Pre-show marketing helps to generate traffic at your booth. Invite people to stop by booth # _____ (whatever your booth is) to enter to win. Creative contests can also generate free publicity.
6. Cross-promoting
Join with other companies who have products or services that compliment yours and promote each other. Let’s say you have a massage business. You could partner with a candle company to sell their candles to your massage clients. They can give out coupons for your massage business. Or the candle company can partner with a gift basket company. Cross-promoting is only limited by your imagination.
This can considerably cut down the cost of business promotion and allow each business to use promotion techniques that might be too expensive to implement alone.
7. Bonuses
Secure special offers from various businesses who want to share a similar market as you. When a customer buys a minimum amount they receive a bonus packet with the various offers from the other vendors. This is a win/win all the way around. The other vendors gain visibility, you have something extra to offer you customers and the customers get incredible value for their purchase.
by: Kathleen Gage
Kathleen Gage is a business advisor specializing in marketing and promotions for small and home based businesses. She is a keynote speaker and the author of -101 Ways to Get Your Foot in the Door - and - 101 No Cost and Low Cost Tips to Market and Promote a Product, Service or Business. To access her FREE report, Learn How One Salt Lake City Consultant made Over $100,000 from One Idea, visit www.streetsmartsmarketing.com
The 5 Steps To Buying Your Car
Most people do not enjoy buying a car. A survey conducted by CNN revealed that 75% of people would rather visit a dentist than face visiting a car dealership. It's not that people don't want a car - it's just that there are so many pitfalls to negotiate and not everyone can be sure of the right steps to take. Here are a few points to keep in mind to make the process easier.
1. Ask questions, lots of questions. Try to ask sensible questions that will enable you to base your decisions on solid ground. But don't be afraid to just ask and only stop when all your concerns have been properly addressed.
2. Do not let emotion drive you. Pretty cars with all the bells and whistles can blind you to the truth. More often than not you will end up paying more than you need to if you buy with emotion. Be impartial and see the car for what it is and not what you may have fallen in love with.
3. Know exactly what you want before you put a single foot inside the dealership door. An open mind can be easily manipulated, and usually not in your favor. Use brochures, etc, beforehand to determine exactly what you want within your budget, and don't be swayed by smooth talk.
4. Talk to the dealer about the price and not the payments. Dealers who keep referring to the "easy" payments could be avoiding the issue of overall price, and you need to know why. Do your homework and you will know exactly what price fits into a payment plan to fit your budget. But if you focus on payment, you may end up paying more than you bargained for.
5. Know when the time has come to make a decision. That decision could be to walk away, or it could be to close the deal. You should constantly monitor how you feel about the offer being made to you. If it all feels right, then stay with it and see it through. But if you get even just a tiny twinge of something not quite right, be prepared to walk away.
by: Jack Hill http://www.actcars.com
1. Ask questions, lots of questions. Try to ask sensible questions that will enable you to base your decisions on solid ground. But don't be afraid to just ask and only stop when all your concerns have been properly addressed.
2. Do not let emotion drive you. Pretty cars with all the bells and whistles can blind you to the truth. More often than not you will end up paying more than you need to if you buy with emotion. Be impartial and see the car for what it is and not what you may have fallen in love with.
3. Know exactly what you want before you put a single foot inside the dealership door. An open mind can be easily manipulated, and usually not in your favor. Use brochures, etc, beforehand to determine exactly what you want within your budget, and don't be swayed by smooth talk.
4. Talk to the dealer about the price and not the payments. Dealers who keep referring to the "easy" payments could be avoiding the issue of overall price, and you need to know why. Do your homework and you will know exactly what price fits into a payment plan to fit your budget. But if you focus on payment, you may end up paying more than you bargained for.
5. Know when the time has come to make a decision. That decision could be to walk away, or it could be to close the deal. You should constantly monitor how you feel about the offer being made to you. If it all feels right, then stay with it and see it through. But if you get even just a tiny twinge of something not quite right, be prepared to walk away.
by: Jack Hill http://www.actcars.com
The 5 Steps to A Great Rental Car Experience
There are times in one's life when the use of rental cars cannot be avoided. When someone plows into you at an intersection, when you are taking a 2-day trip and your compact car just does not have enough room to stretch out, these are times when you are happy that there are rental cars at your disposal. Before you rent that car, though, you should know some things about the process.
1- The first step involved in obtaining a rental car is to do research on the companies in your local area. There are a number of nation wide companies and more than likely local companies to choose from when conducting your research. Try to narrow them down to three or four companies that are closest to either your pick up location or your destination.
2- You will want to ask about procedures that may be required by the rental company. Many companies require that the car be fueled up before its return, if this is not done, they will charge you extra for it. It may also be in your best interest to ask what the fee would be if the car is needed for longer than expected as well as what the rate is for late drop off.
3- If you have personal auto insurance, call your agent to see if you are insured with a rental car as well. This will allow you to save money by turning down the insurance offered by the rental company at the time of vehicle pick up.
4- Finally, you have chosen the company and the car, its time to pick it up. Make sure that you have the paper work that you will need. Most companies will require you to show your drivers license, be sure to have it. Also, your proof of auto insurance, if you will be turning their insurance down. A major credit card is necessary; if you are not using cash to rent your car, do not count on them taking a check.
5- Be sure to read the contract and ask questions about anything that you do not understand. It's better to take sometime at the counter or on the phone to pin down the details, than to think you got it and have to deal with the company in the event of an accident. Ask questions!
by: John Mancini
1- The first step involved in obtaining a rental car is to do research on the companies in your local area. There are a number of nation wide companies and more than likely local companies to choose from when conducting your research. Try to narrow them down to three or four companies that are closest to either your pick up location or your destination.
2- You will want to ask about procedures that may be required by the rental company. Many companies require that the car be fueled up before its return, if this is not done, they will charge you extra for it. It may also be in your best interest to ask what the fee would be if the car is needed for longer than expected as well as what the rate is for late drop off.
3- If you have personal auto insurance, call your agent to see if you are insured with a rental car as well. This will allow you to save money by turning down the insurance offered by the rental company at the time of vehicle pick up.
4- Finally, you have chosen the company and the car, its time to pick it up. Make sure that you have the paper work that you will need. Most companies will require you to show your drivers license, be sure to have it. Also, your proof of auto insurance, if you will be turning their insurance down. A major credit card is necessary; if you are not using cash to rent your car, do not count on them taking a check.
5- Be sure to read the contract and ask questions about anything that you do not understand. It's better to take sometime at the counter or on the phone to pin down the details, than to think you got it and have to deal with the company in the event of an accident. Ask questions!
by: John Mancini
Tips For Winter Driving
Before winter arrives, have your car inspected to be sure it is ready for the road conditions. You can do this yourself or take it to a qualified mechanic. Check the battery, wipers and fluid, thermostat, brakes, ignition system, antifreeze, exhaust system, lights, oil level, heater and defrosters. Make sure everything is in good working order to keep you safe throughout the cold weather.
Check your tires to be sure they are road ready. Install tires that are appropriate for the driving conditions. In moderate amounts of snow, all weather radials will do the job nicely. If you live in a climate where you experience a lot of snow, consider snow tires. These have better tread to deal with snow and ice.
Prepare an emergency kit to keep in the back of your car. This will ensure that you are prepared in the event that you get stuck in the snow. Things to include in the kit:
Ice scraper
Small broom
Small shovel
Kitty litter or a bag of sand (to give traction if you get stuck in snow or ice)
Blankets or a sleeping bag
Flashlight with batteries
Flares or warning triangles
Plastic bags
First aid kit
Tool kit
Jumper cables
Bright cloth to use as a flag
Help sign for back window
Extra hat and gloves
Food and water to sustain you if you get stuck
A book, Bible or Prayer Cards to keep you busy and calm in the event you get stuck.
Charged cell phone (always carry this, especially in the winter)
Keep your gas tank at least half full at all times. This adds weight to the car and will ensure that you won’t run out of gas in the event you get stuck.
Driving in the Snow
Pay attention to the weather forecasts and road conditions in the winter months. If the weather is bad, stay home if at all possible. If you must venture out, travel in the daylight. You are more likely to find help if you get stuck during the day. Never warm up your vehicle in the garage. This releases carbon monoxide, which is toxic and can kill you.
When driving, always wear your seatbelt. Wear sunglasses to protect your eyes from the glare of the sun reflecting off the snow. Know your car and how it handles in the snow. Features like traction control and antilock brakes can be useful in bad weather conditions. Know how these work and if your car is new, practice driving it in a snow covered parking lot before venturing out on the road.
Take it slow, especially in icy conditions. Don’t tailgate and be sure to allow a safe distance between vehicles. Do everything slowly, stopping, accelerating and turning. Leave plenty of time and space to maneuver. Sliding and skidding usually happen when turning, stopping or accelerating. Going extra slow will ensure your safety.
If the visibility is low, slow down even more. Consider getting off highways and driving even slower. This will take you out of the path of large trucks that can cause accidents. Use only your low beams, as your high beams will reflect back off the snow and won’t increase your visibility. Turn on your hazard lights to be sure other drivers see you.
In the event your car gets stuck, don’t get out. Put up the hood and tie your cloth to the antennae. This will make you more visible to emergency vehicles and other drivers. Keep the windows, air grill and tail pipe clear of snow. Wrap up in blankets and huddle up with passengers to stay warm. Run the heat for fifteen minutes each hour to keep from freezing. Move your body around to stay warm.
Keeping your car clean throughout the winter is important. Salt on the roads is important for safety, but will wreak havoc on the finish. If left on for long periods, it can cause rusting. Wash your vehicle weekly to remove salt and wax to protect the paint. Salt also leaves a coating on your headlights that can impair their operation. This will make you less visible to other vehicles. New Lite Headlight Cleaner and Restorer will return the lights to like new condition.
by: David Maillie He can be reached at M.D. Wholesale: http://www.mdwholesale.com.
Check your tires to be sure they are road ready. Install tires that are appropriate for the driving conditions. In moderate amounts of snow, all weather radials will do the job nicely. If you live in a climate where you experience a lot of snow, consider snow tires. These have better tread to deal with snow and ice.
Prepare an emergency kit to keep in the back of your car. This will ensure that you are prepared in the event that you get stuck in the snow. Things to include in the kit:
Ice scraper
Small broom
Small shovel
Kitty litter or a bag of sand (to give traction if you get stuck in snow or ice)
Blankets or a sleeping bag
Flashlight with batteries
Flares or warning triangles
Plastic bags
First aid kit
Tool kit
Jumper cables
Bright cloth to use as a flag
Help sign for back window
Extra hat and gloves
Food and water to sustain you if you get stuck
A book, Bible or Prayer Cards to keep you busy and calm in the event you get stuck.
Charged cell phone (always carry this, especially in the winter)
Keep your gas tank at least half full at all times. This adds weight to the car and will ensure that you won’t run out of gas in the event you get stuck.
Driving in the Snow
Pay attention to the weather forecasts and road conditions in the winter months. If the weather is bad, stay home if at all possible. If you must venture out, travel in the daylight. You are more likely to find help if you get stuck during the day. Never warm up your vehicle in the garage. This releases carbon monoxide, which is toxic and can kill you.
When driving, always wear your seatbelt. Wear sunglasses to protect your eyes from the glare of the sun reflecting off the snow. Know your car and how it handles in the snow. Features like traction control and antilock brakes can be useful in bad weather conditions. Know how these work and if your car is new, practice driving it in a snow covered parking lot before venturing out on the road.
Take it slow, especially in icy conditions. Don’t tailgate and be sure to allow a safe distance between vehicles. Do everything slowly, stopping, accelerating and turning. Leave plenty of time and space to maneuver. Sliding and skidding usually happen when turning, stopping or accelerating. Going extra slow will ensure your safety.
If the visibility is low, slow down even more. Consider getting off highways and driving even slower. This will take you out of the path of large trucks that can cause accidents. Use only your low beams, as your high beams will reflect back off the snow and won’t increase your visibility. Turn on your hazard lights to be sure other drivers see you.
In the event your car gets stuck, don’t get out. Put up the hood and tie your cloth to the antennae. This will make you more visible to emergency vehicles and other drivers. Keep the windows, air grill and tail pipe clear of snow. Wrap up in blankets and huddle up with passengers to stay warm. Run the heat for fifteen minutes each hour to keep from freezing. Move your body around to stay warm.
Keeping your car clean throughout the winter is important. Salt on the roads is important for safety, but will wreak havoc on the finish. If left on for long periods, it can cause rusting. Wash your vehicle weekly to remove salt and wax to protect the paint. Salt also leaves a coating on your headlights that can impair their operation. This will make you less visible to other vehicles. New Lite Headlight Cleaner and Restorer will return the lights to like new condition.
by: David Maillie He can be reached at M.D. Wholesale: http://www.mdwholesale.com.
Bully Riders on Big Bikes
Big bikes have this striking appeal to people. Not only because they are big but also because they have what it takes to be B-I-G.
Aside from that, big bikes and riders connote a negative impression. Riders riding big bikes are presumed to be rough, rude and bullies. Nonetheless, a lot of expectators are dreaming of possessing one.
Driving big bikes need special attention. This is because newbie riders have to practice the proper parking, stopping and running the bike plus the fact that they must also gain knowledge about its maintenance and emergency repairs.
Even if you are accustomed to riding smaller bikes, you will likely find yourself adjusting more to big bikes. Therefore, before you plan on roaming with your big bike, know it first. It means that you have to sit on it, try to make a feel and know where the controls are. Learn the basics. It is better to learn them early on because it is hard to be caught off guarded and terrified. Be familiar with everything in your bike even those you presume of lesser importance like the mute button. Chances are they may be needed in the future.
Riding a big bike is also pretty exciting. In fact, the very thought of being fast and mobile while exploring the roads is an overwhelming thought. However, if you are not familiar with the one you are riding and you are not protected, accident is always anticipated. Therefore, every rider must be prepared. He must don motorcycle accessories like reverse gears and guards to be always protected.
There are certain instances when newbie riders become hesitant like dropping the bike, braking and turning at low speeds. They can overcome these by practicing on a grassy area. They can drop the bike gently from a standstill several times in order to master standing on the high peg as well as stepping away. In braking, master the manner of controlling your bike through the clutch and foot brake. In cases of making turns at low speed, minimum pressure on the rear brake can help the rider maintain control of the degree of lean.
by: Maricon Williams http://www.streetmotorcycleaccessories.com
Aside from that, big bikes and riders connote a negative impression. Riders riding big bikes are presumed to be rough, rude and bullies. Nonetheless, a lot of expectators are dreaming of possessing one.
Driving big bikes need special attention. This is because newbie riders have to practice the proper parking, stopping and running the bike plus the fact that they must also gain knowledge about its maintenance and emergency repairs.
Even if you are accustomed to riding smaller bikes, you will likely find yourself adjusting more to big bikes. Therefore, before you plan on roaming with your big bike, know it first. It means that you have to sit on it, try to make a feel and know where the controls are. Learn the basics. It is better to learn them early on because it is hard to be caught off guarded and terrified. Be familiar with everything in your bike even those you presume of lesser importance like the mute button. Chances are they may be needed in the future.
Riding a big bike is also pretty exciting. In fact, the very thought of being fast and mobile while exploring the roads is an overwhelming thought. However, if you are not familiar with the one you are riding and you are not protected, accident is always anticipated. Therefore, every rider must be prepared. He must don motorcycle accessories like reverse gears and guards to be always protected.
There are certain instances when newbie riders become hesitant like dropping the bike, braking and turning at low speeds. They can overcome these by practicing on a grassy area. They can drop the bike gently from a standstill several times in order to master standing on the high peg as well as stepping away. In braking, master the manner of controlling your bike through the clutch and foot brake. In cases of making turns at low speed, minimum pressure on the rear brake can help the rider maintain control of the degree of lean.
by: Maricon Williams http://www.streetmotorcycleaccessories.com
Are You Tired of Trite Tips on Fuel Savings
In these days of record high fuel prices affecting already stretched budgets, many of us are looking for tips on fuel savings. Unfortunately, most tips are “no-brainers”.
Some suggest staying within posted speed limits because “…the faster you drive, the more fuel you use.” Daah !!! Explain that to a teenager!
Oh, here’s one – “combine errands”. Come on, anyone who runs a household figured that one out eons ago, just to maintain sanity.
Here’s another I just love – remove excess weight. Hmm… let me think, I can make the kids walk to their sports events or mall, and meet them when they arrive. And, of course, ban any friends from catching a ride. But then again, when the riot occurs, the police will have to use their fuel instead.
After much research, here’s a few fuel savings tips I found that actually make sense:
1. Depending on a vehicle’s condition, you can increase fuel savings simply by keeping your engine tuned.
2. Maintaining proper inflation of tires can increase fuel savings by up to 6%.
3. Replace air, oil, and fuel filters regularly. Clogged filters decrease fuel savings.
But the best tip to date is this simple fuel savings solution:
A small Power Pill, the size of a penny, that can be dropped into the tank at fill up. Here’s what the PowerPill does:
· Provides fuel savings averaging 15% on cars and 20% on diesel trucks
· Conditions the engine by cleaning it, resulting in eliminating and preventing what is known as “carbon deposits”, the culprit behind decreased fuel savings.
· Lowering octane requirements, thus saving an additional 5¢ to 10¢ per gallon.
· More savings on maintenance by extending the life of spark plugs, valves, engine, and frequent oil changes.
· Environmental benefits by significantly reducing toxic pollutants, which in essence allows us to breathe cleaner air and live longer.
by: Dee Scrip -http://www.helpwithfuelprices.com
Some suggest staying within posted speed limits because “…the faster you drive, the more fuel you use.” Daah !!! Explain that to a teenager!
Oh, here’s one – “combine errands”. Come on, anyone who runs a household figured that one out eons ago, just to maintain sanity.
Here’s another I just love – remove excess weight. Hmm… let me think, I can make the kids walk to their sports events or mall, and meet them when they arrive. And, of course, ban any friends from catching a ride. But then again, when the riot occurs, the police will have to use their fuel instead.
After much research, here’s a few fuel savings tips I found that actually make sense:
1. Depending on a vehicle’s condition, you can increase fuel savings simply by keeping your engine tuned.
2. Maintaining proper inflation of tires can increase fuel savings by up to 6%.
3. Replace air, oil, and fuel filters regularly. Clogged filters decrease fuel savings.
But the best tip to date is this simple fuel savings solution:
A small Power Pill, the size of a penny, that can be dropped into the tank at fill up. Here’s what the PowerPill does:
· Provides fuel savings averaging 15% on cars and 20% on diesel trucks
· Conditions the engine by cleaning it, resulting in eliminating and preventing what is known as “carbon deposits”, the culprit behind decreased fuel savings.
· Lowering octane requirements, thus saving an additional 5¢ to 10¢ per gallon.
· More savings on maintenance by extending the life of spark plugs, valves, engine, and frequent oil changes.
· Environmental benefits by significantly reducing toxic pollutants, which in essence allows us to breathe cleaner air and live longer.
by: Dee Scrip -http://www.helpwithfuelprices.com
After The Sale
Enjoy your car... that's simple huh? Well it's not really that simple. Here is a list of things to think about after the sale.
Notify your insurance agent about the new car.
Read the entire owners manual. Familiarize yourself with the service requirements. Understand when you need to change oil, filters, and other major things like timing belt and driveline fluids.
Get used to operating the heating/AC controls and the radio so you do not have to fumble around and risk an accident while on the highway.
Pop the hood and find the oil filler cap, the oil dipstick. If you bought a car with an automotive transmission there will be a dipstick for the transmission fluid also.
Find the spare tire and jack. Make sure you know where to jack the car when changing a tire and how to remove the spare when you need it. There is nothing worse than getting a flat tire in a new car and having to struggle to change it the first time.
by: Kevin Schappell http://www.carbuyersclub.com
Notify your insurance agent about the new car.
Read the entire owners manual. Familiarize yourself with the service requirements. Understand when you need to change oil, filters, and other major things like timing belt and driveline fluids.
Get used to operating the heating/AC controls and the radio so you do not have to fumble around and risk an accident while on the highway.
Pop the hood and find the oil filler cap, the oil dipstick. If you bought a car with an automotive transmission there will be a dipstick for the transmission fluid also.
Find the spare tire and jack. Make sure you know where to jack the car when changing a tire and how to remove the spare when you need it. There is nothing worse than getting a flat tire in a new car and having to struggle to change it the first time.
by: Kevin Schappell http://www.carbuyersclub.com
Tips : 18 Simple Ways To Save Money On Your Car
The upkeep of your vehicle can be quite an expense - from initial purchase to insurance to maintenance. And sometimes we get the sinking feeling that every time we need a car repair, we’re going to get taken for a ride. (pardon the pun!) Actually there are some ways to make sure you don’t get a raw deal when dealing with a local body shop.
After you get recommendations for honest mechanics, call around to check out the prices for certain jobs. It’s always smart to get a second opinion.
How about some preventative medicine? Keep your gas tank filled. This will help you avoid the gas line freezing up in cold weather. Also, driving on “fumes” allows little pieces of dirt at the bottom of your gas tank to run through the fuel lines with the last drops of gas. This debris clogs up the fuel filter and can cause carburetor damage as well.
Sometimes a problem with your car’s electrical system results from a simple blown fuse. Check to see if you have any blown fuses before investing in a tow truck!
Keep track of how much oil your car uses. A sudden change in oil consumption means you need to see a technician.
Save your brakes by having your brake fluid changed every 30,000 miles.
Check your tire pressure once a month. This simple maintenance check can add up savings at the gas pump!
Stop and go traffic causes excess wear and tear on your vehicle. Go ahead and give your car a nice twenty minute ride at 55 mph on the highway every couple weeks if you “major” in short trips.
There are other ways to save money on car expenses. Let’s look at the insurance payments.
If you’ve budgeted for possible out-of-pocket expenses in case of a car accident, you might want to consider increasing your insurance deductible to $500. This will lower the cost of your insurance.
Talk to your insurance agent. If your car is as old as the hills, you might want to drop collision coverage to save money.
Car insurance companies offer a variety of discounts. Ask your agent if the company offers reductions for driver training courses, anti-lock brakes, car alarms, air bags, mature drivers, good students or maintaining a good driving record.
Before you purchase from a dealer, ask about the dealer's return policy, get it in writing and read it carefully. Dealers are not required by law to give used car buyers a three-day right to cancel.
Visit http://www.fueleconomy.gov to find cars that are fuel efficient.
Each 5 mph you drive over 60 mph is like paying an additional $0.10 per gallon for gas.
In most cases, using cruise control on the highway will save gas.
Replacing a clogged air filter can improve your car's gas mileage by as much as 10 percent. This isn’t going to cost you an arm or leg either.
Do your homework when buying a car from an auction. Many vehicles that have been damaged by floods and hurricanes are going on the market. These won’t last long – leaving you with a flood of bills. Be a little concerned if the carpet looks too new, and check carefully for signs of rust.
Carfax.com shares info on inspecting a used car to make sure you get the best deal.
by : Jeff Slokum
After you get recommendations for honest mechanics, call around to check out the prices for certain jobs. It’s always smart to get a second opinion.
How about some preventative medicine? Keep your gas tank filled. This will help you avoid the gas line freezing up in cold weather. Also, driving on “fumes” allows little pieces of dirt at the bottom of your gas tank to run through the fuel lines with the last drops of gas. This debris clogs up the fuel filter and can cause carburetor damage as well.
Sometimes a problem with your car’s electrical system results from a simple blown fuse. Check to see if you have any blown fuses before investing in a tow truck!
Keep track of how much oil your car uses. A sudden change in oil consumption means you need to see a technician.
Save your brakes by having your brake fluid changed every 30,000 miles.
Check your tire pressure once a month. This simple maintenance check can add up savings at the gas pump!
Stop and go traffic causes excess wear and tear on your vehicle. Go ahead and give your car a nice twenty minute ride at 55 mph on the highway every couple weeks if you “major” in short trips.
There are other ways to save money on car expenses. Let’s look at the insurance payments.
If you’ve budgeted for possible out-of-pocket expenses in case of a car accident, you might want to consider increasing your insurance deductible to $500. This will lower the cost of your insurance.
Talk to your insurance agent. If your car is as old as the hills, you might want to drop collision coverage to save money.
Car insurance companies offer a variety of discounts. Ask your agent if the company offers reductions for driver training courses, anti-lock brakes, car alarms, air bags, mature drivers, good students or maintaining a good driving record.
Before you purchase from a dealer, ask about the dealer's return policy, get it in writing and read it carefully. Dealers are not required by law to give used car buyers a three-day right to cancel.
Visit http://www.fueleconomy.gov to find cars that are fuel efficient.
Each 5 mph you drive over 60 mph is like paying an additional $0.10 per gallon for gas.
In most cases, using cruise control on the highway will save gas.
Replacing a clogged air filter can improve your car's gas mileage by as much as 10 percent. This isn’t going to cost you an arm or leg either.
Do your homework when buying a car from an auction. Many vehicles that have been damaged by floods and hurricanes are going on the market. These won’t last long – leaving you with a flood of bills. Be a little concerned if the carpet looks too new, and check carefully for signs of rust.
Carfax.com shares info on inspecting a used car to make sure you get the best deal.
by : Jeff Slokum
This 5 Automotive Tools Every Auto Owner Needs
by: Mike Scurria
Automobiles are sizeable investments. As a car becomes older, its maintenance becomes increasingly important. There are many tools that every auto owner should have. Auto shops can sometimes charge exurbanite amounts for a simple fix that could have been done at home for much cheaper. Having the proper tools and knowledge will allow any auto owner to save money, learn more about their automobile, and maintain their car.
1. Every auto owner should have a jack and jack stands. When working on a car, more often than not, the car must be elevated. Simple procedures like rotating tires can be done at home with the help of a Jack. Additionally, all car owners should have a jack in their car with them wherever they go. In the unfortunate event of a flat tire, having a jack and a spare tire can lead to a simple tire replacement. In a garage, having a powerful jack and strong jack stands makes it possible for an auto owner to reach every point underneath the car and thus solve problems more efficiently.
2. One of the most important car maintenance practices is the oil change. To maintain an automobile, the oil should be changed once every 3,000 miles. Quintessential to a successful oil change is having an Oil Wrench that takes the oil filter off and allows the oil to be changed expediently. Without an oil wrench, an auto owner may be forced to take their car to an auto shop and overpay for a simple oil change.
3. Often when dealing with parts of the engine, or the hard-to-reach spots under the hood, proper tools are required. A 3/8-inch Socket Set can allow an automobile owner to loosen and subsequently tighten a wide variety of bolts. Different extensions allow the auto owner to obtain the best angles for torque and therefore make auto jobs quite a bit easier.
4. When changing oil, having a funnel, some rags, and a bucket is very helpful. Once again, the oil change is one of the most important maintenances for a car, and it can be done easily by anyone. However, many people do not have the proper tools or knowledge for a successful oil change. Having a funnel can also be useful when refilling any other fluids in one’s car. The funnel serves to make sure that fluids do not get over filled, which can lead to significant problems.
5. Finally, every auto owner should have a pair of solid vice grips. Some times a part will just not come loose. Other times, a car part may not seem to be tight enough despite one’s best efforts. Vice grips can hold a wide variety of car parts and allow the user to obtain more leverage for either tightening or loosening a part. When encountering a part that will simply not come loose, many auto owners will give up and take their car to a shop. Having vice grips can help one to avoid this problem.
Automobiles are sizeable investments. As a car becomes older, its maintenance becomes increasingly important. There are many tools that every auto owner should have. Auto shops can sometimes charge exurbanite amounts for a simple fix that could have been done at home for much cheaper. Having the proper tools and knowledge will allow any auto owner to save money, learn more about their automobile, and maintain their car.
1. Every auto owner should have a jack and jack stands. When working on a car, more often than not, the car must be elevated. Simple procedures like rotating tires can be done at home with the help of a Jack. Additionally, all car owners should have a jack in their car with them wherever they go. In the unfortunate event of a flat tire, having a jack and a spare tire can lead to a simple tire replacement. In a garage, having a powerful jack and strong jack stands makes it possible for an auto owner to reach every point underneath the car and thus solve problems more efficiently.
2. One of the most important car maintenance practices is the oil change. To maintain an automobile, the oil should be changed once every 3,000 miles. Quintessential to a successful oil change is having an Oil Wrench that takes the oil filter off and allows the oil to be changed expediently. Without an oil wrench, an auto owner may be forced to take their car to an auto shop and overpay for a simple oil change.
3. Often when dealing with parts of the engine, or the hard-to-reach spots under the hood, proper tools are required. A 3/8-inch Socket Set can allow an automobile owner to loosen and subsequently tighten a wide variety of bolts. Different extensions allow the auto owner to obtain the best angles for torque and therefore make auto jobs quite a bit easier.
4. When changing oil, having a funnel, some rags, and a bucket is very helpful. Once again, the oil change is one of the most important maintenances for a car, and it can be done easily by anyone. However, many people do not have the proper tools or knowledge for a successful oil change. Having a funnel can also be useful when refilling any other fluids in one’s car. The funnel serves to make sure that fluids do not get over filled, which can lead to significant problems.
5. Finally, every auto owner should have a pair of solid vice grips. Some times a part will just not come loose. Other times, a car part may not seem to be tight enough despite one’s best efforts. Vice grips can hold a wide variety of car parts and allow the user to obtain more leverage for either tightening or loosening a part. When encountering a part that will simply not come loose, many auto owners will give up and take their car to a shop. Having vice grips can help one to avoid this problem.
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