Cars and Transportation http://www.wisebread.com/taxonomy/term/4812/all en-US The 11 Best Parking Apps for Your City http://www.wisebread.com/the-11-best-parking-apps-for-your-city <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-11-best-parking-apps-for-your-city" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_texting_000038591624.jpg" alt="Woman using apps to find affordable parking" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Finding affordable parking can be a challenge, especially when you live in a heavily populated area. In fact, IBM found that 30% of a city's traffic is attributed to drivers looking for parking. Fortunately, there are a number of apps available to help you find and compare spots, save money every time you park, and even reserve a parking space right from your phone. This will help you get out of traffic and into a safe spot in a fraction of the time and effort.</p> <h2>1. BestParking</h2> <p><a href="http://www.bestparking.com/">BestParking</a> is a top parking app, and has been featured in The New York Times, Wall Street Journal, New York Magazine, Forbes, ABC, FOX, CBS, and NBC. It locates all the available parking spots in your area so you can quickly compare and save. Available in 105 cities and 115 airports throughout North America, it will find you the best spot, no matter where you are. It even sorts spots by price, so you can instantly visualize where the most affordable (and most expensive) spots are. The app has 850,000 monthly users and is backed by outstanding reviews from people who have <a href="http://www.wisebread.com/4-ways-outsourcing-chores-can-save-you-time-and-money">saved time and money</a>.</p> <h2>2. Parker</h2> <p><a href="http://www.streetline.com/find-parking/parker-mobile/">Parker</a> can help you find available parking spots, prices, and hours for 24,000 garages and lots. You can also filter parking spots by space, payment type, and more. Built-in GPS navigation can even guide you to the nearest open spot, so you will never have to drive around confused in a new city again. It can help you find a spot in a parking lot or garage, or it can help you navigate local street parking. It will also run a timer, so you don't have to worry about parking tickets. Parker has outstanding online reviews and was voted one of the most highly recommended apps by Forbes and Mashable.</p> <h2>3. SpotHero</h2> <p><a href="https://spothero.com/">SpotHero</a> is an app recommended by Forbes because it can help you find and compare parking and reserve a spot for up to 50% off the drive-up rate. The app has its own dedicated unsold spots from parking facilities in the area. You can quickly reserve one of those spots from your phone and enjoy a discounted rate in the process. Not only will you save money, but you also won't need to worry about losing your prized spot to another driver. It is available in most large cities and is introducing new locations everyday.</p> <h2>4. ParkMe</h2> <p><a href="https://www.parkme.com/">ParkMe</a> offers the largest and most accurate parking database in the world. With over 84,000 locations in over 64 countries, it can compare the most available spots and save every time you park. You can also reserve a spot in advance with your credit card so you never have to worry about losing your spot again. The app can even tell you where to find parking up to two weeks into the future.</p> <h2>5. Parking Mate</h2> <p><a href="https://www.cars.com/articles/2012/10/trying-to-find-a-parking-spot-can-be-a-hassle-when-the-meter-runs-out-or-when-you-cant-find-your-car-among-the-maze/">Parking Mate</a> shows you where the closest and safest places are to park. It also keeps a log of where you've parked and how much time you have left in your spot, notifying you when you are getting close to expiration. You can even add parking rules to the app to inform others of neighborhood parking regulations. The app is also highly reviewed online and recommended by Mashable.</p> <h2>6. ParkingPanda</h2> <p><a href="https://www.parkingpanda.com/">ParkingPanda</a> is recommended by Forbes because it sets itself apart from the rest. It partners with stadiums, family attractions, and other events so that you can find a spot close to the action without wasting time searching for parking. There is also a referral program, which will allow you to earn free parking.</p> <h2>7. ParkWhiz</h2> <p><a href="http://www.parkwhiz.com/">ParkWhiz</a> is another app recommended by Forbes because it promises to help save you more money than all the rest. While most apps can only promise savings of about 50%, this app promises savings of up to 60%. The app will help you compare, reserve, and pre-pay for parking in no time.</p> <h2>8. City Specific Apps</h2> <p>There are several options for city specific apps, which are ideal when you live in a large, heavily populated city. Some of the apps for big city parking that you may want to check out include:</p> <ul> <li>VoicePark &mdash; San Francisco</li> <li>Can I Park Here? &mdash; New York</li> <li>PrimoSpot &mdash; New York, Boston, Seattle</li> <li>Chicago Parking &mdash; Chicago</li> </ul> <h2>Avoid Driving Altogether</h2> <p>If you're still having trouble finding parking, consider alternative transportation. Riding a bike is good for your fitness, taking your city's public transportation system will save you money, and walking when you can is great for your health, so try giving your car a break when you can.</p> <p><em>Do you know of any other apps that can help you find affordable parking in your city? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-11-best-parking-apps-for-your-city">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-skills-that-will-be-obsolete-soon">9 Skills That Will Be Obsolete Soon</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-must-have-apps-for-roommates">4 Must-Have Apps for Roommates</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more">Can a Robot Called Digit Really Help You Save More?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Technology apps big cities parking spaces reservations Mon, 31 Aug 2015 15:00:28 +0000 Andrea Cannon 1536846 at http://www.wisebread.com 8 Common Car Repair Mistakes That Can Cost You http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-common-car-repair-mistakes-that-can-cost-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_car_trouble_000022274153.jpg" alt="Woman learning common car repair mistakes that can cost her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Until I bought my first new car with my own hard-earned cash, I took my previous, very used cars for granted. Maintenance<em> schmaintenance</em>, I thought &mdash; even though that likely resulted in most of those vehicles straight-up punking out on me. Like, stopping in the middle of the road and never starting again because they had had <em>enough</em>. My dad wasn't happy about it the first time, and he wasn't keen on my negligence the third time around either. Yeah &mdash; it was bad.</p> <p>Of course, I've wised up since my teenage and college days &mdash; if only because the maintenance and repair work comes out of my pocket now. Yet, there are still corners I try to cut here and there, as I'm sure you do, too. The unfortunate result of that frugalness, however, could turn into an even more costly prospect down the road if you're not careful.</p> <p>Take a look at these common <a href="http://www.wisebread.com/8-easy-diy-car-repairs-to-save-big">car repair</a> mistakes that you'll want to avoid lest you want your wallet running on empty.</p> <h2>1. Using a Discount Mechanic</h2> <p>We all want to save a few bucks on car repairs, especially if what needs to be replaced is already expensive. But just like all doctors and lawyers are not created equal, neither are mechanics &mdash; and it's in your best financial interest to know the difference. My rule of thumb when cost is a concern is generally to go middle of the road &mdash; not the cheapest, not the most expensive, but somewhere in the middle. I compare prices between service providers, consider online reviews, and also ask friends and families for referrals.</p> <p>Rob Infantino, CEO of&nbsp;<a href="https://www.openbay.com/">Openbay</a>, an app to compare, book, and pay for car repairs, seconds that philosophy.</p> <p>&quot;Choose a shop that's convenient to you and that's well rated,&quot; he says. &quot;If you chase the lowest price, you may not necessarily receive quality service. Corroborate the shop reviews on multiple sites, including Google, Openbay, and Yelp. Car repair can be a nuisance, so be sure the job's done once and done well. You don't want to have to head back to have a poor repair job fixed by someone else.&quot;</p> <h2>2. Filling the Engine With the Incorrect Weight/Type of Oil</h2> <p>My problem wasn't necessarily filling my car engines with the incorrect weight or type of oil (because, frankly, I had no idea that even mattered), but rather that I didn't fill the engine with oil very often, if at all. And because of that, you could totally hear me coming from three blocks away.</p> <p>Richard Reina, training director at&nbsp;<a href="http://www.carid.com">CARiD</a>, advises against that practice, of course, but also provides insight on why you ought to mind the oil you're using, especially in terms of weight and type.</p> <p>&quot;While this won't generally cause any catastrophic engine failure, using incorrect oil will cause your engine to run inefficiently and deteriorate over time,&quot; he says. &quot;Make sure to pay attention to the type of oil your vehicle recommends &mdash; synthetic, partial synthetic, or non-synthetic &mdash; and that you use the correct weight (i.e. 10W-30, 0W-40, 5W-20, etc.) for your vehicle and climate, and don't just choose what's on sale.&quot;</p> <h2>3. Skipping the Oil Change Altogether</h2> <p>This is pretty much how I blew up most of my cars' engines, as you've likely gathered by now. Perhaps I assumed the oil change fairy would swoop down in the middle of the night so I didn't have to worry about it? Things are a bit blurry from back then. In hindsight, I could have saved my parents, myself, and my college's campus safety department a world of hassle if I had just taken 30 minutes out of my day a few times a year to pop into a Jiffy Lube.</p> <h2>4. Letting Dirty Filters Go Unchanged</h2> <p>Air and fuel filters are an important part of your car's anatomy that when left unattended can lead to bigger problems. As Bankrate.com puts it, &quot;Dirty air or fuel filters can cause various sensors on a car to fail, resulting in a repair bill of hundreds of dollars. A failed sensor is a common reason for a 'check engine' light to illuminate and also results in the engine misfiring. Ignoring this problem could cause the larger problem of the catalytic converter failing, which would result in the car not passing an emissions inspection until it is repaired at a cost approaching $1,000 for many cars.&quot;</p> <h2>5. Forgoing Scheduled Maintenance</h2> <p>Believe it or not, you car manual has another purpose besides taking up space in your glove compartment. It contains everything you need to know about your car (including some DIY fixes for common car issues that can save you money if you just crack it open), as well as information on when you should have your car inspected and tuned up. Following these instructions gives your car the best chance for maximum longevity &mdash; without costly repairs at every corner &mdash; which, in the long run, can save you thousands of dollars on maintenance and the need to buy a new car prematurely.</p> <h2>6. Forgetting to Rotate Tires and Check Air Pressure</h2> <p>Not rotating your tires or checking your air pressure on a regular basis can cause uneven tread wear and the deterioration of your tires, which leads to many other potential problems including strain on steering and suspension parts (such as tie rod ends), uneven traction, and vibration when driving.</p> <p>&quot;Most shops will rotate your tires for a nominal fee, or you can do this yourself if you have a jack and jack stand at home,&quot; Reina says. &quot;Air pressure can be easily checked at most local gas stations.&quot;</p> <p>And remember, air temperature affects tire inflation, so even if your tires do not leak air, they will still need to be checked as the weather changes throughout the year.</p> <h2>7. Overlooking Wear on Brake Pads</h2> <p>Do people cringe when you turn a corner? Can't figure out what that screeching sound is when you come to a stop sign? That's actually your brakes crying for help, and you should have that looked at before you become a nuisance to your whole neighborhood, or, ya know, have an accident.</p> <p>&quot;By replacing brake pads on a regular basis, you can actually save money since a brake rotor lasts much longer when pads are changed regularly,&quot; Reina says. &quot;If pads are left until they are completely worn, they will scratch and score the rotor. When changing brakes, the most expensive part of the job is the rotors, so preserving them will save money in the long run.&quot;</p> <h2>8. Neglecting Brake, Transmission, and Other Fluids</h2> <p>One word: Antifreeze. I didn't learn it until it was too late, but there's still hope for you. In addition to winterizing your car with antifreeze, however, there are other fluids your car needs besides fuel to run efficiently. You can check your owner's manual for the list of fluids and their respective change schedules to stay on top of things. Most importantly, you can save yourself money on the front <em>and</em> backend by doing it yourself. Most of these fluids are easy to replace by even the most clueless of drivers; I'm living proof. If you're not completely sure what you're doing, ask one of your more rugged friends. They probably know what's up, and they won't mind helping out &mdash; so long as they can laugh at you a little bit first.</p> <p><em>Are there other costly but common car repair mistakes that you'd like to add to this list? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-calculate-your-new-car-budget">7 Easy Ways to Calculate Your New Car Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-your-new-tires-really-6-year-old-ticking-time-bombs">Are your new tires really 6-year old ticking time-bombs?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-diy-car-repairs-to-save-big">8 Easy DIY Car Repairs to Save Big</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-mechanical-breakdown-insurance-worth-it">Is Mechanical Breakdown Insurance Worth It?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-winter-tires">The 5 Best Winter Tires</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation auto repairs brakes engine mechanics tires vehicles Fri, 28 Aug 2015 15:00:10 +0000 Mikey Rox 1534338 at http://www.wisebread.com 7 Easy Ways to Calculate Your New Car Budget http://www.wisebread.com/7-easy-ways-to-calculate-your-new-car-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-easy-ways-to-calculate-your-new-car-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_driving_000053199698.jpg" alt="Woman finding easy ways to calculate her new car budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So you're looking for a new car? Congrats! If you're in the market for a new vehicle, you should first determine what you can actually afford. And if you're considering leasing or financing a vehicle, you should understand the total costs involved. That's because the total amount you can spend = the approved loan amount + cash down payment + trade-in amount. Consider the following factors when calculating your new car budget.</p> <h2>1. Total Price</h2> <p>The total cost of your vehicle is more than just the sticker price; it will also include things like the sales tax, title and registration fees, and optional items, like extended warranties. Keep these in mind and leave yourself some wiggle room with your budget when shopping for a new vehicle. Remember that you will also need to worry about auto insurance, gas, regular maintenance, repairs, registration, and other costs associated with owning a car.</p> <h2>2. Monthly Payments</h2> <p>If you will be financing or leasing a vehicle, then you'll need to calculate your ideal monthly payments. Keep in mind that your monthly payment will include both principal and interest. The loan term, interest rate, and down payment will all affect your monthly payment. If you can wait to make your purchase until interest rates are lower, then you can afford a more expensive vehicle or save money on your payments.</p> <h2>3. Down Payment</h2> <p>Most vehicle purchases are made with a down payment. The more you can devote to your down payment, the lower your monthly bill will be.</p> <h2>4. Trading In Your Old Car</h2> <p>Have you considered trading-in your old car? It will help reduce the total cost of the new vehicle and can improve your loan terms. Trading in your vehicle may also give you more pull when you are attempting new car negotiations. (See also: <a href="http://www.wisebread.com/the-joy-of-buying-a-new-car-9-car-buying-tips?ref=seealso">The Joy of Buying a New Car: 9 Car Buying Tips</a>)</p> <h2>5. The 10%&ndash;20% Rule</h2> <p>For drivers who want to be frugal with their purchase, you'll want to devote about 10% of your income towards your vehicle. This means that if you make $3,000 per month, you'll want to devote $300 per month towards monthly payments for all of your vehicles. (Most people spend about <a href="http://www.bankrate.com/finance/money-guides/how-much-car-can-you-afford.aspx">20% of their income</a> on their transportation, so this may be a more realistic estimate.)</p> <p>If you're not planning on financing your new car, then the 10%-20% rule still applies. You'll want to take 20% of your annual income to determine what you can afford to spend on a vehicle. For instance, at $36,000/year, you'll be able to spend $7,200 yearly on your vehicle ($36,000 x .20 = $7,200).</p> <h2>6. Your Total Debt</h2> <p>If you currently have a lot of debt and don't want to add too much onto your load, then there is a simple 36% rule to follow. Consumer Reports found that it is best to spend no more than <a href="http://www.consumerreports.org/cro/2012/04/how-much-can-you-afford-to-spend/index.htm">36% of your gross monthly income</a> on debt. Itemize what all of your monthly debt payments are, including mortgage, credit cards, and loans. Once you've totaled those, subtract them from 36% of your income to determine how much you can realistically add. For instance, if your income is $3,000 per month and you already spend $800 per month on credit card and loan payments, you can only afford a new monthly auto loan payment of $280, calculated as ($3,000 x .36) &ndash; $800 = $280.00.</p> <h2>7. Affordability Calculators</h2> <p>Every person's situation is different, so only you can determine what your budget is and what you are willing and able to spend on a new car. Fortunately, there are a number of <a href="http://www.edmunds.com/calculators/affordability.html">free affordability calculators</a> available online that can help you calculate your ideal price range. They can even account for things like your loan term, finance rate, down payment, and the value of your trade-in (if you have one). An <a href="https://www.bankofamerica.com/auto-loans/car-payment-calculator.go">auto loan calculator</a> can also help you find the ideal total price, based on how much you can afford to spend every month.</p> <p><em>Do you have other ways of determining how much you should spend on transportation? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/7-easy-ways-to-calculate-your-new-car-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">8 Common Car Repair Mistakes That Can Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-diy-car-repairs-to-save-big">8 Easy DIY Car Repairs to Save Big</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-qualify-for-a-mortgage-with-a-small-downpayment">5 Ways to Qualify for a Mortgage With a Small Downpayment</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-strategies-to-wipe-out-your-credit-card-balance">5 Strategies To Wipe Out Your Credit Card Balance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-you-spend-on-a-new-car">How Much Should You Spend on a New Car?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation debt down payments leasing loans trade-in vehicles Wed, 26 Aug 2015 15:45:19 +0000 Andrea Cannon 1533347 at http://www.wisebread.com What Does Car Rental Insurance Really Cover On Your Credit Card? http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-does-car-rental-insurance-really-cover-on-your-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000048091706.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Don't you hate the experience when you are renting a car, and the representative gives you the hard sell on their optional insurance? At that moment, you are pretty sure that your credit card has insurance that will cover your trip, but the sales agents will do their best to sow confusion and doubt in your mind. As a result, many will break down and purchase the over-priced coverage offered by the rental car agency, if only to get on with their trip. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=seealso">Best Credit Cards to Use While Traveling</a>)</p> <p>The only way to make this experience less stressful is to understand exactly what your credit card really covers, before you go to pick up your car.</p> <h2>What Credit Card Rental Coverage Is</h2> <p>Technically speaking, the coverage offered by your credit card is not considered to be insurance. Instead, it's referred to as a collision damage waiver policy. This benefit will cover you for damage due to collision or theft, up to the actual cash value of most vehicles, but there are numerous qualifications and restrictions that you need to be aware of.</p> <h2>Activating This Benefit</h2> <p>To use this benefit, you must pay for the entire rental with your eligible credit card, and you must decline all optional coverage offered by the rental car company. While you will be eligible for this coverage if you use a coupon or a discount, free rentals redeemed through a loyalty program will not be eligible, even when you pay for any additional taxes and fees using your credit card.</p> <p>You should also be aware of the many limitations of this coverage. For example, most credit card policies will exclude a wide variety of non-standard vehicles such as trucks, antiques, and expensive luxury cars. In addition, many credit cards have territorial limitations that exclude vehicles rented in popular tourist destinations such as Italy, Ireland, Israel, Jamaica, and Australia. Finally, the coverage will be invalid if you do anything that violates your rental car agreement. While this includes some obvious prohibitions such as commercial use or illegal activity, you also have to be careful to avoid some other common activities such as driving on unpaved roads, including those made out of dirt or gravel.</p> <h2>What's Not Covered</h2> <p>Even when you have successfully activated your card's collision damage and avoided any excluded vehicles, countries, or activities, you still might not be fully covered by your card's policy. Excluded costs typically include injuries as well as the damage or loss of personal items. In addition, many cards will not cover the rental car company's administrative fees, &quot;loss of use&quot; charges, or the difference between the car's actual value and its replacement value. Sadly, some of these costs can be quite expensive. And finally, many credit card insurance policies are considered secondary, meaning that they only apply to the deductible and other uncovered costs after you have filed a claim with your personal insurance, if it applies. Thankfully, there are some cards offered with primary rental car coverage, which doesn't require you to file a claim on your personal policy.</p> <h2>Recommendations</h2> <p>First, it is important that you do the research and find out how and where your card's policy covers you, and to what extent. And if you have multiple credit cards, you will often find that some offer better coverage than others, so you can choose your cards carefully when you pay for your car rental. To resist the hard sell, state very clearly that you are &quot;declining all optional insurance&quot;, and repeat that phrase until they move on.</p> <p>Finally, you should be aware of American Express's optional premium rental car coverage. This coverage is reasonably priced at $19.95 / $24.95 ($15.95 / $17.95 for CA Residents) per rental period, (not per day). This coverage is primary, excludes fewer vehicles, and has higher limits than the standard coverage.</p> <p>By understanding the value and the limitations of your credit card's rental car coverage, you can make the right decision the next time you are presented with a choice at the rental car counter.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/rewards-that-change-with-your-spending-us-bank-flexperks-travel-rewards-american-express-credit-card">Rewards that Change with Your Spending: U.S. Bank FlexPerks Travel Rewards American Express Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-hotel-rewards-card-for-free-nights-marriott-rewards-premier-credit-card">The Best Hotel Rewards Card for Free Nights: Marriott Rewards® Premier Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards Travel american express car rental insurance Fri, 14 Aug 2015 06:58:14 +0000 Jason Steele 1526016 at http://www.wisebread.com Best Money Tips: 11 Things to Do Before Buying a Used Car http://www.wisebread.com/best-money-tips-11-things-to-do-before-buying-a-used-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-11-things-to-do-before-buying-a-used-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_new_car_000064775071.jpg" alt="Woman learning what to do before buying a used car" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on things to do before you buy a used car, emotional mistakes that keep you poor, and major dos and don&rsquo;ts at a job interview.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2015/0726/Buying-a-used-car-Eleven-things-to-do-first">Buying a used car? Eleven things to do first.</a> &mdash; Always ask for a breakdown of the fees to make sure you have the budget for them. [The Monitor]</p> <p><a href="http://fitzvillafuerte.com/4-emotional-mistakes-that-cause-people-to-remain-poor.html">4 Emotional Mistakes That Cause People To Remain Poor</a> &mdash; Living on hope alone won't get you anywhere; you need to pair it with action, too. [Ready To Be Rich]</p> <p><a href="http://www.popsugar.com/smart-living/Dos-Donts-Job-Interviews-34040192">16 Major Dos and Don'ts at a Job Interview</a> &mdash; Bring extra copies of your resume and keep them in a professional-looking folder. [PopSugar Smart Living]</p> <p><a href="http://www.kiplinger.com/slideshow/real-estate/T010-S001-7-places-that-pay-you-to-live-there/index.html">7 Surprising Places That Will Pay You to Live There</a> &mdash; New Haven, Connecticut, has a homeownership rate of just 31%. To lure home buyers, the city offers down payment assistance, loans for home renovation, and free in-state college tuition.&nbsp;[Kiplinger]</p> <p><a href="http://www.productivity501.com/5-ways-my-phone-makes-me-more-productive/9179/">5 Ways My Phone Makes Me More Productive</a> &mdash; The quality of camera phones these days is high enough that you can use your phone as a portable copy machine / scanner. [Productivity501]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.creditsesame.com/blog/applying-for-a-personal-loan/">One Simple Thing You MUST Do Before Applying for a Personal Loan</a> &mdash; Doing this one thing will give you three very important advantages. [Credit Sesame]</p> <p><a href="http://www.thousandaire.com/how-to-go-on-a-vacation-that-fits-your-budget/">How to Go on a Vacation That Fits Your Budget</a> &mdash; Airbnb is a great option if you're traveling with a big group and you want a bigger space with kitchen. [Thousandaire]</p> <p><a href="http://moneysmartlife.com/overwhelmed-by-investing/">Don&rsquo;t Be Overwhelmed by Investing</a> &mdash; New to investing? Start with these strategies to avoid feeling overwhelmed! [Money Smart Life]</p> <p><a href="https://www.listenmoneymatters.com/pillars-of-financial-priority/">Pillars Of Financial Priority</a> &mdash; These pillars will guide your path to financial freedom.&nbsp;[Listen Money Matters]</p> <p><a href="http://parentingsquad.com/parents-we-owe-others-some-courtesy-including-diner-owners">Parents: We Owe Others Some Courtesy - Including Diner Owners</a> &mdash; Consider other people's position: would you like it if a baby screamed throughout your meal? If your child seems to be heading towards a meltdown, try to calm them down immediately, and be ready to leave if nothing works. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-11-things-to-do-before-buying-a-used-car">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them">A Used Car Salesman Reveals Dirty Tricks (and How to Beat Them)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/drive-the-old-car-or-buy-a-new-car">Drive the Old Car or Buy a New Car?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-reasons-to-love-that-used-car-smell">7 Reasons to Love That Used Car Smell</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-this-the-best-search-engine-ever-for-new-used-cars">Is This the Best Search Engine Ever for New &amp; Used Cars?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">8 Common Car Repair Mistakes That Can Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips used car Tue, 28 Jul 2015 19:00:15 +0000 Amy Lu 1505596 at http://www.wisebread.com 8 Easy DIY Car Repairs to Save Big http://www.wisebread.com/8-easy-diy-car-repairs-to-save-big <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-easy-diy-car-repairs-to-save-big" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/car_service_000017616649.jpg" alt="Car repairs you can easily do yourself" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of the monthly expenses many of us forget to include in our budgets is <a href="http://www.wisebread.com/6-slick-tools-to-save-money-on-car-repairs">car repair and maintenance</a>. Sure, we put down the price of gas, and maybe an oil change every two or three months, but we forget about most of the ongoing maintenance costs. Cars need regular maintenance over their useful lives, and most of us will pay through the nose to get it performed. But it doesn't have to be that way. With parts bought online, some simple tools, and a little basic knowledge, many car repairs can be done without visiting a mechanic.</p> <p>I talked to Richard Reina, the Training Director at <a href="http://www.carid.com/">CARiD</a>, about some of the easiest car repairs you can do at home. You can find most of the replacement parts at CARiD or similar sites, plus many instructional videos and fact sheets that will ensure you have the help you need every step of the way. I also talked to several mechanics, including a family member who has had over 20 years of experience fixing cars. He, like many other experts, was adamant that with preparation, you can save a lot of time and money on repairs.</p> <h2>1. Change Your Own Brake Pads</h2> <p>When I first heard that, my reaction was &quot;No way, I'm not messing with my brakes!&quot; But as Reina points out, it's a very simple and inexpensive procedure that mechanics and specialty brake shops will charge hundreds of dollars to do. The industry wants you to think it's hard, because they make a lot of profit from a very simple procedure, but pads are way easier to replace than old fashioned drum brake &quot;shoes.&quot;</p> <p>All you need is a <a href="http://www.amazon.com/gp/product/B004SEXO3E/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B004SEXO3E&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=HZG267264PF33LG4">wheel lug wrench</a>, some <a href="http://www.amazon.com/gp/product/B004QO9MAU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B004QO9MAU&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=NBJPGJ3TPWJWCZON">basic wrenches</a>, <a href="http://www.amazon.com/gp/product/B000NPXI0G/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000NPXI0G&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=4RW72BPDX4EJRYYP">pliers</a>, and of course a jack and set of jack stands (never get under a car unless it is on jack stands; you cannot rely on the jack as it may fail).</p> <p>A set of new brake pads will set you back just $20&ndash;$40, depending on the car and pad material. Compare that to the industry average of $250 per axle, and you can see how much this DIY job will save you. The procedure is basic. Take off the wheel, remove the hardware, pull out the worn pads, push in the caliper piston, install the new pads, and reinstall the hardware. You should be able to do all four wheels in under an hour, even if this is your first time doing the job. The new pads will last between 30,000&ndash;50,000 miles, and you should check them every 10,000 miles. When the pad thickness falls below 2mm&ndash;3mm, it's time for another replacement set.</p> <h2>2. Change the Battery</h2> <p>It amazes me how many people will get a shop to replace the battery, since this is by far the easiest of all DIY repairs. A battery will last 4&ndash;6 years, so you should be able to figure out when your current battery is ready to be changed. (Almost every battery will have a date stamped on it, so look for this if you want to be sure.) You <em>do not</em> want to wait until you start having problems. If you do, you could be stranded with a dead battery, and that's dangerous for many reasons.</p> <p>The average price of a new battery is around $80, although you can spend more or less depending on the make and model. A dealer will charge upwards of $200 to replace it.</p> <p>To do the swap, you just need a basic set of wrenches. The biggest warning here, Reina says, is the order in which you remove the replace the cables. Remove the NEGATIVE (black) cable FIRST, and when you have installed the new battery, replace the NEGATIVE cable LAST. If you don't do it this way, you could short circuit the positive (red) terminal to a grounded part of the car.</p> <h2>3. Do Your Own Oil Change</h2> <p>A typical quick lube place could charge anywhere from $30 to $70 for an oil change. Some can go as high as $90&ndash;$100, especially if you own an expensive import. But then you see signs like $15 oil change and think, &quot;Well I'd pay that for the oil and filter anyway, so why not let them do it for me?&quot;</p> <p>Here's why. First, there is always an asterisk on those oil changes. They come with conditions, and may not include the correct amount of oil required for your engine (this happens a lot when you bring in an SUV or truck). You will also be given a low-grade oil, rather than a full synthetic or even a synthetic blend. And most importantly, the cheap oil change is a loss leader.</p> <p>The loss-leader oil change is a great way to get you to hand over your car to the garage so that they can get under the hood and see if it has problems. A reputable place won't find any unless there are genuine problems. Others, well, let's just say they find problems that don't need attention.</p> <p>Suddenly, the $15 oil change has become thousands in major repairs. Poor establishments will use high-pressure tactics to get you to sign up for the work, and you may not even get the chance to get a second opinion.</p> <p>So, do it yourself. Buy a good quality oil filter and the best oil you can afford from your local supplier (it can be an auto specialist or a retail store). Other than jack stands and a jack, you'll need an <a href="http://www.amazon.com/gp/product/B000NPPB6U/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000NPPB6U&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=I2Q5NR76Q5CIAA3M">oil filter wrench</a> and a drain pan. These only have to be purchased once and will last you decades (my father-in-law has been using the same drain pan for 20 years). You can find videos online walking you through oil changes on a variety of different vehicles.</p> <p>And one final note. As Richard Reina points out, the days of the &quot;every 3,000 miles&quot; oil changes are long gone. Vehicles these days can often go 10,000 miles between oil changes. Check your manual.</p> <h2>4. Change Your Spark Plugs</h2> <p>There is an episode of the iconic TV series <em>Frasier</em> that shows Niles and Frasier Crane attending an automotive workshop. The very first lesson is how to change spark plugs. It's one of the easiest home repairs you can do, although these days it is very rare you'll even have to perform this service. On modern cars, extended-life spark plugs can maintain a precise gap for 100,000 miles. However, it is still wise to check them every 30,000-40,000 miles, just to make sure.</p> <p>When the time does come to replace your spark plugs, along with your regular set of tools you will need a <a href="http://www.amazon.com/gp/product/B0002KNZ8C/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B0002KNZ8C&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=URY7DFKT6D5FA6ZL">spark plug wrench</a>. Again, this is a &quot;buy once, use for a lifetime&quot; kind of purchase, and it's not very expensive (under $10 in most cases). (WikiHow has a great <a href="http://www.wikihow.com/Change-Spark-Plugs-in-a-Car">instructional piece here</a>.) And the savings&hellip;let's just say it's significant. You can pay over $300 for spark plugs to be changed, and spark plugs themselves are rarely more than $30 for a set.</p> <h2>5. Replace a Headlight or Taillight</h2> <p>If you are a good car owner, you will perform a regular walk around of your vehicle. It's important to do this for many reasons, but one of the biggest is to check that all the lights are working. Not only are lights essential for clear vision, and alerting drivers to your intentions, but you can also incur traffic tickets if they aren't working. So, try and do this at least once a month (you'll need someone to help you check the taillights).</p> <p>If one (or more) isn't working, it's time to buy a replacement and do it yourself. With the average hourly repair rate of a garage being $100, you could easily spend $25&ndash;$50 per bulb, especially if the shop has a minimum charge.</p> <p>One of the most important things to do is bring the old bulb with you to the store. You want to make sure you are getting like for like. And, when it comes time to change it out, never touch the bulb glass with your bare hands. The grease from your fingers can cause the bulb to burn out early.</p> <h2>6. Replace Your Windshield Wipers</h2> <p>Some people go to a garage or dealership to have their windshield wipers replaced. This is, without a doubt, a massive waste of your time and money. A set of wipers will run you between $20 and $40 on average, plus the dealer will charge you one hour of labor (that's about $100). Don't throw your money away. It takes minutes to replace the wipers on your vehicle yourself, and all of the instructions are provided in the replacement wipers you buy.</p> <p>When you go to a store &mdash; say Walmart or Target &mdash; they'll have a reference manual (these days it's often a small electronic terminal) which will tell you which wiper sizes you need to ensure a correct fit. In most cases, the old wipers slide out, and the new ones slide in. The last time I changed my wipers, it took two minutes for both&hellip;and most of that time was spent trying to hack open the vacuum-sealed plastic package!</p> <h2>7. Replace Your Air Filter</h2> <p>Richard Reina pointed out another simple fix that mechanics and dealerships will heavily mark up with labor costs and parts. And yet, it is a very quick fix (in most cases&hellip;if you happen to own a German import, you may have a few extra parts to remove to access the filter). On average, you'll pay over $100 in labor costs, and $50 for the filter.</p> <p>The typical cost of an air filter from a retail store is between $15&ndash;$20, but again, this can be higher depending on the make and model of your car. In most cases, you will simply have to open up the hood of the car, turn a few screws, open the air filter housing, swap out the old for the news, and replace the screws. It really is that simple, and you can save a ton of money doing it yourself.</p> <h2>8. Fix a Chipped Windshield</h2> <p>I recently had to do this one myself, and I can tell you&hellip;it's so simple. I had a small rock chip in the windshield. I was tempted to go by one of those &quot;fix it free&quot; places that hang out near malls, but they operate through your insurance company, and I wasn't keen on going through all that for a simple rock chip.</p> <p>On Amazon or eBay, you can find <a href="http://www.amazon.com/gp/product/B004GFS2C8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B004GFS2C8&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=TGVTUO2W4ELE2GOQ">windshield repair kits</a> for under $15. Some run as low as $8. When you get it, all you need to do is dig out any loose glass with the pin provided, and then thoroughly clean it, and the surrounding area. You will have to stick a small device to the windshield that forms a seal around the rock chip, and then a vacuum contraption will work to apply the resin into the crack. It's an operation that takes less than one hour, from opening the package to the finished result, and most of that is simply waiting time. Stop that crack from spreading, before you need to replace the entire windshield. That can be costly.</p> <p><em>Now, what services do you regularly perform on your own car that saves you time and money? Let us know in the comments below. </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/8-easy-diy-car-repairs-to-save-big">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-home-maintenance-to-dos-for-spring">8 Easy Home Maintenance To-Dos for Spring</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/to-change-the-bulb-just-remove-the-bumper-wait-what">To change the bulb, just remove the bumper. Wait, what? - UPDATED.</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-quick-clothing-and-shoe-repair-fixes-you-should-own">15 Quick Clothing and Shoe Repair Fixes You Should Own</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">8 Common Car Repair Mistakes That Can Cost You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/remove-car-dents-quickly-and-cheaply">Remove Car Dents Quickly and Cheaply</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Cars and Transportation DIY fixing maintenance mechanic repairs vehicles Wed, 15 Jul 2015 17:00:10 +0000 Paul Michael 1484612 at http://www.wisebread.com Here's How Rich You'd Be If You Stopped Driving http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-driving <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-rich-youd-be-if-you-stopped-driving" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_piggy_bank_car_000059532196.jpg" alt="Woman learning how rich she&#039;d be if she stopped driving" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Cars are useful, but they can also be an unnecessary burden on your budget. My first car was a sky blue 1993 Mercury Sable. It was a boat of a car, but it was lovely and near-mint because I bought it from a senior citizen who only used it for church and the grocery store. I lived in the suburbs, but I would often carpool with coworkers or take the bus to save money. Eventually, I sold my car and moved to a place walking and biking distance from work and school. With the money I saved, I paid for two years of college tuition!</p> <p>Here in Los Angeles, walkable neighborhoods are flourishing, plus bike lanes and new rail routes are opening regularly. I rarely need a car to run basic weekly errands. My household shares one Honda Fit and we invest the money saved by not owning a second car. Here's why you should try it, too.</p> <h2>Here's What a Car Costs You Every Year</h2> <p>Let's break down all the <a href="http://www.wisebread.com/6-cars-you-can-drive-almost-forever">costs associated with driving</a>, using average <a href="http://newsroom.aaa.com/2013/04/cost-of-owning-and-operating-vehicle-in-u-s-increases-nearly-two-percent-according-to-aaas-2013-your-driving-costs-study/">numbers crunched by AAA</a>, assuming annual driving of 15,000 miles.</p> <h3>1. Car</h3> <p>Many people <a href="http://www.wisebread.com/the-joy-of-buying-a-new-car-9-car-buying-tips">lease their cars</a>; but let's assume you buy yours outright. A car actually depreciates in value everyday you drive it &mdash; at an average total of $3,571 per year &mdash; depending on the type of car you have, of course.</p> <h3>2. Gas</h3> <p>Let's assume you don't live in major cities like L.A., Seattle, or NYC, where gas is the most expensive in the nation. In most other places, the average cost totals $2,168 per year.</p> <h3>3. Insurance</h3> <p>Another money-pit, insurance is legally mandatory almost everywhere. Depending on your age and driving history, it can be very pricey. The average cost overall is $1,029 per year.</p> <h3>4. Repairs</h3> <p>Depending on your car's age and whether it's domestic or imported, repairs can also be an unavoidable money drain. On average it can be 4.97 cents per mile, or $745.50 per year.</p> <h3>5. Services Like AAA or OnStar</h3> <p>While having a AAA membership is highly recommended, it is an extra cost of $66&ndash;$126 per year.</p> <p>Total Yearly Cost of Driving = $7,513.50*</p> <p><em>*Counting for depreciation of the average car per year, so that we can calculate a yearly savings. Car prices vary by make, model, and state of purchase, so I recommend subbing in the first value with your own. Here's a </em><a href="http://www.money-zine.com/calculators/auto-loan-calculators/car-depreciation-calculator/"><em>car depreciation calculator</em></a><em>. </em></p> <h2>What if You Invested That $7,513.50? Answer: $$$$</h2> <p>If you thought <a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-drinking-expensive-coffee">cutting out $5 lattes</a> was a big investment, this one will make your eyes pop right out of your skull!</p> <p>I calculated a 10 year plan with a <a href="http://www.bankrate.com/calculators/savings/compound-savings-calculator-tool.aspx">compound interest calculator</a>. Let's say you invest the same amount every year for 10 years, with a conservative 6% interest rate. At the end of year two you're looking at $16,408. In five years, you'll have $44,899. In 10 years? $104,983!</p> <p>Honestly? If you got rid of your car, you could buy real estate in just 10 years.</p> <p>Some might argue: &quot;If I ditch my car, I'll spend more on other costs <a href="http://www.wisebread.com/how-to-score-free-rides-on-uber-lyft-and-sidecar">like public transit and Uber</a>!&quot; True, but the difference could be negligible. The costs of those extras is generally not enough to compete with saving what you'd spend on a car &mdash; unless you use them with unusually great frequency.</p> <h2>Absolutely Need a Car? Consider Only One Car Per Household</h2> <p>In my household, my husband and I only need one car, as only one of us works outside the home part time. The rest of the week, we work together on our small business. We drive together on business trips. This means better fuel efficiency and ability to use the carpool lane.</p> <p>Try planning a carpool strategy that allows everyone to get to work and come home together. Here's why. You will benefit from cutting your commute related costs nearly in half, but you will get to spend more time together as spouses, family members, or friends.</p> <p>How do you decide whose car to keep? See who has the most of the following:</p> <ul> <li>Newest model;</li> <li>Best fuel MPG;</li> <li>Fewest recent repairs;</li> <li>Lowest insurance rate.</li> </ul> <p>If one car is at least three out of four, that's the one to keep! Alternatively, try these six ways to <a href="http://www.wisebread.com/how-to-cut-car-ownership-costs">cut car ownership costs</a>.</p> <p><em>How are you controlling your transportation costs?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-driving">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-gas-dont-make-left-hand-turns">Save gas; don&#039;t make left-hand turns.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-cheap-ways-to-save-money-on-gas">8 Cheap Ways to Save Money on Gas</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/it-bear-repeating-driving-slower-saves-you-money">It Bears Repeating - Driving Slower Saves Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-benefits-of-a-walkable-neighborhood">The Benefits of a Walkable Neighborhood</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/fill-your-tank">Fill your tank</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Cars and Transportation carpooling compound interest driving gas ridesharing Tue, 23 Jun 2015 17:00:15 +0000 Amanda Meadows 1460791 at http://www.wisebread.com 6 Times When It's Okay to Drop Insurance http://www.wisebread.com/6-times-when-its-okay-to-drop-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-times-when-its-okay-to-drop-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_summer_happy_000034797820.jpg" alt="Woman learning when it&#039;s ok to drop insurance coverage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you really want to be safe, you could buy insurance for just about everything in your life. You can insure your car, home, life, possessions, and can even buy insurance to cover your funeral costs. But with all of that money going out the door, you might not have enough left over to enjoy those things you're insuring.</p> <p>Sometimes, the costs of insurance outweigh the benefits, and the money spent on premiums could be better spent elsewhere. Here are six times when it's worth considering dropping insurance coverage.</p> <h2>1. Collision Coverage</h2> <p>Collision coverage protects your car if it's damaged or suffers a total loss in an accident. If you're still paying off or leasing a car, your lender may require such coverage until you own the car outright.</p> <p>But because vehicle values depreciate every year, the insurer will only pay up to the actual cash value of your car after you've paid the deductible. A vehicle's condition is also factored, so knowing every year your car's actual cash value &mdash; or Blue Book value &mdash; can help you determine if you should drop collision coverage.</p> <p>One rule of thumb is to skip collision coverage if the vehicle's cash value drops below $4,000. The cost of insurance for a low value car could cost more than the total vehicle repair and replacement costs in an accident.</p> <p>Another rule is that if collision insurance costs more than 10% of the value of the car, then it's worthwhile to drop it and put that savings aside for a new car. For example, if collision coverage costs $200 a year on a car valued at $2,000, it's worth keeping the premium for yourself.</p> <p>However, if you don't have enough money set aside to pay for a major vehicle repair after an accident, then you may want to keep collision coverage.</p> <p>With or without collision coverage, you'll still need liability insurance to cover repairs to property damaged by your car in an accident.</p> <p>You also may want to consider where you're driving before dropping collision insurance. Some areas aren't as safe as they might seem, according to Auto Insurance Center. Some rural areas are <a href="http://www.autoinsurancecenter.com/americas-deadliest-driving-counties-and-states.htm">more deadly to drive in</a> than urban areas, the site found.</p> <h2>2. Comprehensive Auto Insurance</h2> <p>This type of auto insurance is usually sold together with collision coverage. Your insurance company may require having both. A comprehensive-only policy may be limited to special circumstances, such as for a classic car that's rarely driven.</p> <p>Comprehensive coverage covers you if the car is stolen, vandalized, or is damaged by fire, weather, natural disasters, or acts of God. It also provides coverage if you hit a house in a one-car accident, a deer or other animal runs into your car, you hit a fence, or experience damage in a riot.</p> <p>Like collision coverage, it could be worthwhile to drop comprehensive coverage if your car isn't worth much and repairing such damage would be more than the value of the car.</p> <p>However, comprehensive is usually a small part of an insurance premium, and you may not be able to drop it unless you also drop collision coverage.</p> <h2>3. Rental Reimbursement</h2> <p>Some insurers include rental car reimbursement in their policies. You may need a rental car if your car is damaged in an accident and is at an auto shop for a few days. But if the accident is someone else's fault, their insurance may pay for your rental car. If you're at fault, it's your expense.</p> <p>Check to see how much you're paying each month, or year, for this type of insurance, and determine if the costs outweigh what you'd pay yourself for renting a car. Is it worth the chance you'll need it?</p> <h2>4. Roadside Assistance</h2> <p>The same logic goes with roadside assistance sold with your car insurance. Chances are you rarely use it and that you have it mainly for the peace of mind when you get on the road.</p> <p>You may already have duplicate coverage by having AAA, OnStar, or some other service, so dropping this insurance coverage is a no-brainer. Or it may be cheaper to call a friend, relative, or even a tow truck when you're out of gas or need a flat fixed.</p> <h2>5. Term Life Insurance</h2> <p>Having term life insurance is meant for exactly that: a &quot;term&quot; of your life. It's a common type of insurance to buy when starting a family, so that your spouse and children aren't left without income if you die during your working life.</p> <p>But if your children are in college and no longer live at home, or you're retired, then extending a term policy may not be worthwhile.</p> <h2>6. Insurance Riders</h2> <p>As part of your homeowners insurance, you may have bought riders to cover expensive items that aren't covered under a normal policy. These can include expensive artwork, jewelry, or heirlooms you've inherited.</p> <p>If you've sold such things or donated them to charity and no longer own them, then it's time to drop these insurance riders.</p> <p>Having too much insurance is an enviable problem. Whether it's life insurance or over-insuring a home and its possessions, it's a good idea to check with your insurance agent each year to determine if you have too much (or not enough) coverage.</p> <p><em>What types of insurance coverage have you dropped?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/6-times-when-its-okay-to-drop-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-to-drop-collision-coverage-on-your-car">When to drop collision coverage on your car</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/repair-the-car-or-spend-the-cash">Repair the Car or Spend the Cash?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-mechanical-breakdown-insurance-worth-it">Is Mechanical Breakdown Insurance Worth It?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-your-car-stolen">How to get your car stolen</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-and-not-do-when-youre-in-a-car-accident">What to Do (and Not Do) When You&#039;re in a Car Accident</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Insurance auto collision coverage premiums rentals Wed, 06 May 2015 11:00:24 +0000 Aaron Crowe 1408966 at http://www.wisebread.com Get 20% Off Uber with Capital One -- OFFER ENDED http://www.wisebread.com/get-20-off-uber-with-capital-one <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-20-off-uber-with-capital-one" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_paying_for_uber_000042037726.jpg" alt="Woman paying for her Uber ride" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><strong><span style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-style: normal; line-height: 22.1000003814697px;">(</span><em style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22.1000003814697px;">Note:&nbsp;This offer is no longer available.</em><span style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-style: normal; line-height: 22.1000003814697px;">)</span></strong></p> <p>Uber just got a lot cheaper &mdash; 20% cheaper &mdash; for <a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Capital One Quicksilver</a> or QuicksilverOne cardholders. Now through next April, cardholders will get 20% back on all Uber rides, on top of the 1.5% cash back they already earn with their card. There is no need to sign up! Just pay with your card and automatically get 20% back as statement credit.</p> <p>Haven't tried Uber yet? Now's the time. For a limited time, eligible Capital One cardholders who are new to Uber can receive their first two rides free (up to $30 per ride). Just create a new Uber account or access an existing account, enter the code CAPITALONE by June 30, 2015, and then pay with an eligible Capital One card to claim the free rides. Cardholders will have until April 30, 2016 to redeem both free rides. This offer can only be used domestically, is not available for corporate or private label cardholders, and is not applicable to UberTAXI rides.&nbsp;</p> <p>The partnership between Capital One and Uber aims to combine the common focus that both companies have on simplifying life and saving their customers money innovative products and services. So whether you're a frequent Uber rider or someone interested in starting to utilize&nbsp;the ridesharing service or just a Quicksilver cardholder, there's plenty to be excited about after seeing these two lucrative new offers come this new partnership.</p> <h3>Capital One&reg; Quicksilver&reg; Cash Rewards Credit Card</h3> <p><a href="http://www.wisebread.com/capital-one-quicksilver-cash-rewards?ref=1408507" target="_blank" rel="nofollow"><img src="http://content.linkoffers.net/SharedImages/Products/219963/598864.png" alt="" style="float: right; margin: 0px 5px 5px 10px;" class="img-exempt" /></a>With the <a href="http://www.wisebread.com/capital-one-quicksilver-cash-rewards?ref=1408507">Quicksilver&reg; Cash Rewards Credit Card from Capital One&reg;</a>, you can earn unlimited 1.5% cash back on every purchase you make everyday, without having to worry about rotating quarterly categories. In addition, your cash back rewards will never expire, and you can redeem your cash back for any amount at any time. This card also comes with Capital One Credit Tracker free of charge, which allows you to easily monitor your credit score anytime and anywhere you want.&nbsp;This card has no foreign transaction fees and no annual fee.</p> <p>New cardmembers can earn a $100 cash bonus after spending $500 on purchases within the first 3 months from their account opening. You can also enjoy a special 0% introductory APR on purchases and balance transfers until May 2016. After that, the card will have a standard variable APR of 12.9%-22.9%, with a 3% fee that applies to each balance transferred.</p> <p><a href="http://www.wisebread.com/capital-one-quicksilver-cash-rewards?ref=1408507"><strong>Click here to apply for the Capital One&reg; Quicksilver&reg; Cash Rewards Credit Card today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/william-tran">William Tran</a> of <a href="http://www.wisebread.com/get-20-off-uber-with-capital-one">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards">5 Best Gas Rewards Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card">What Does Car Rental Insurance Really Cover On Your Credit Card?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">When You Should Get A Business Credit Card Over a Consumer Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/asiana-american-express-card-from-bank-of-america-review">Asiana American Express Card from Bank of America Review</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/i-dont-love-capital-one-how-to-get-a-lower-apr-or-possibly-not">I Don&#039;t Love Capital One - How to Get a Lower APR, or Possibly Not</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards Capital One Uber Fri, 01 May 2015 21:21:18 +0000 William Tran 1408507 at http://www.wisebread.com 10 Magic Words to Say to Get the Best New Car Price http://www.wisebread.com/10-magic-words-to-say-to-get-the-best-new-car-price <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-magic-words-to-say-to-get-the-best-new-car-price" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/buying_new_car_000060315438.jpg" alt="Woman saying magic words to get best new car price" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most of us still go to a car dealership when we want a new vehicle. And most of us dread the experience.</p> <p>The problem is, you and the dealership are two parties on opposite ends of the spectrum. You want a great car for as little money as possible. They want to sell you the same car for as much as they can, and include a ton of extras. The battle for a compromise can take hours.</p> <p>However, you can make that battle much easier by learning, and using, the following ten phrases. They will save you time, money, and a lot of hassle.</p> <h2>1. &quot;I'm Already Pre-Approved for a Car Loan.&quot;</h2> <p>Before you go to any dealership, arrange your own financing with a bank or credit union of your choosing. Make sure you do your homework, find the best rate, and get written approval of how much you can borrow (along with the terms of the deal). When the dealer knows you are pre-approved, they won't try to hit you with a high-interest loan. Now, on occasion you may find 0% financing offers at the dealership. If it's a genuine offer, and doesn't take other discounts off the table, you can always choose it. But with pre-approval, you are keeping all your options open.</p> <h2>2. &quot;I'm Not Interested in Monthly Payments.&quot;</h2> <p>Even if you are, that is not the place to start. Car dealers can work all sorts of magic with the numbers to get you to the monthly payment you have in mind. But, it's a trap. It's not always an intentional one, but it's a trap nonetheless. Monthly payments on a $20,000 car can be $265 a month, or $865, depending on the interest rate and length of the payoff. You do not want to discuss monthly payments until you have agreed on a total purchase price for the car, including the extras the dealer may want to throw in. Once you've shaken hands on that, you can work on how to split the payments up.</p> <h2>3. &quot;Let's Talk About My Trade-In Later.&quot;</h2> <p>When you arrive at the dealership in your current vehicle, the salesman will immediately start asking you about it. They'll look around it, nodding, giving approving glances, even if it's a wreck. Before they go any further, tell them you don't want to talk about the trade-in yet. Don't say you are not going to trade it in at all, unless that's actually your intention. But the trade-in values can mess with your head, and alter the negotiation on the car price. Often, the salesman will start bumping up the value of your trade-in to get your monthly payment a little lower. The truth is, they were undervaluing your trade-in from the get-go. So, keep that one in your back pocket until you have agreed on the purchase price.</p> <h2>4. &quot;I'll Come Back Another Day.&quot;</h2> <p>This is Kryptonite to the dealership, and the salesman you are talking to. The second you pull out this phrase, be it after the test drive, or during the intense negotiations, they salesman will be immediately put on the defensive. When someone walks on the car lot, they are a potential sale. Potential sales mean commissions, and hitting sales figures. The second you walk away, you're gone. You may never come back. And their commission goes with you. Using this phrase is a great way to take back control of the negotiation.</p> <p>However, you have to be prepared to follow through. I have walked away from the dealership after two or three hours of time and energy. They just couldn't hit my numbers. Unsurprisingly, they called me the next day and asked me to come back; they had found a way to hit my asking price. Well&hellip;there's a shock.</p> <h2>5. &quot;I Don't Want the Extended Warranty &mdash; Or Rustproofing.&quot;</h2> <p>Once you have bought the car, the salesman will hand you off to the financing department. This is when they double-down with the pressure. They'll offer you an incredible bumper-to-bumper extended warranty, they'll show you all sorts of undercoats, tinting, clear bras, and other additions. Just say no. Whatever the dealership is offering, you can find it way cheaper from a third party. Once, the salesman whispered in my ear &quot;Don't buy the tinting, I'll get it down for you for half the price.&quot; And he did. Sure, he got a finder's fee, but he saved me a few hundred bucks.</p> <h2>6. &quot;Please&quot; and &quot;Thank You.&quot;</h2> <p>At the end of the day, this is a negotiation. Car salesmen are doing what they are paid to do, and you're doing your job as a savvy consumer. But there is never any call for rudeness, and being polite will go a long way to getting you to a place you want to be. Rudeness and demanding language will show you to be a bully, a difficult customer, and someone the dealership would probably rather not have around for the next few hours. Yes, your business is important. Very important. However, everyone has a breaking point, and exceptionally rude people just aren't worth it.</p> <h2>7. &quot;I Already Know What the Car Is Worth.&quot;</h2> <p>Before you set foot on the lot, do your homework. You need to know the TMV, or true market value, of the car you're buying. You should also know the Blue Book value of the one you're selling. Don't memorize these numbers; bring printouts with you. You want hard evidence, because it's way easier to bargain with it than a number you appear to have pulled out of thin air. When you know the TMV, go lower. Not by much, but by enough to let them know you want a deal. At the very least, you should walk away having paid what is fair.</p> <h2>8. &quot;I'm Just Browsing.&quot;</h2> <p>You can use whatever variation you like on that theme, including &quot;Oh, just looking around,&quot; or &quot;My daughter's going to need a car next year.&quot; Whatever you do, keep the energy down, and don't ever let on that you're there to buy a car. If a salesman strolls up to you and asks you why you're there, <em>never </em>say &quot;I want to buy a new car today!&quot; You'll be putty in the dealership's hands.</p> <h2>9. &quot;Can I See the Invoice Price?&quot;</h2> <p>The sticker you see on the window of the car, whether it's old or new, is not what the dealership paid. So, you do not want to use that as a starting point for your negotiations. You want to see the actual invoice, and not surprisingly, most dealerships are reluctant to show that to you. But, dig your heels in and politely ask for the invoice. Once you have it, you're in a better place to negotiate.</p> <h2>10. &quot;Tell Me What Incentives Are Available.&quot;</h2> <p>Every car dealership has a list of incentives that they're working with. If you look at the fine print on some of the deals you'll find in the local papers, especially for low APR financing, you'll see that you &quot;give up&quot; the customer incentives to get the deal. Well, if you have your own financing already, you want those incentives. So, make sure you ask for a list of incentives, and how to qualify for them. They can include military discounts, cash-back offers, and free upgrades.</p> <p><em>What other phrases have you used to successfully negotiate with car salespeople?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-magic-words-to-say-to-get-the-best-new-car-price">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-retailers-where-you-can-negotiate-a-lower-price">11 Retailers Where You Can Negotiate a Lower Price</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-these-8-questions-to-get-a-better-price">Ask These 8 Questions to Get a Better Price</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/my-car-payments-are-too-much-what-should-i-do">My car payments are too much! What should I do?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-home-improvements-you-should-always-negotiate">9 Home Improvements You Should Always Negotiate</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-little-words-that-will-get-you-the-best-price-every-time">10 Little Words That Will Get You the Best Price, Every Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation dealerships haggling negotiating new car salesmen Tue, 28 Apr 2015 18:06:42 +0000 Paul Michael 1399137 at http://www.wisebread.com Citi ThankYou Premier: Rewards for Everyday Travel http://www.wisebread.com/citi-thankyou-premier-rewards-for-everyday-travel <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/citi-thankyou-premier-rewards-for-everyday-travel" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_road_trip_000023479361.jpg" alt="Couple on a road trip" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The problem with earning frequent flier miles is that the airlines control the game at their whim, and they love to move the goal posts quite regularly. Industry observers call it &quot;devaluation&quot; when an airline announces that it will require more miles for the same flight, or when it simply stops releasing award seats at the lowest mileage levels, without making any kind of announcement at all.</p> <p>For credit card users, one way to combat devaluation and continue to receive value from their rewards is to use a program that offers point transfers to miles with many different airlines. The <a href="http://www.jdoqocy.com/click-2822544-12186944-1429536352000?sid=jsteele-1322844">Citi ThankYou&reg; Premier card</a> offers points that can be transferred to miles eleven different airline frequent flier programs as well as Hilton HHonors points.</p> <h2>How This Card Works</h2> <p>Cardmembers get 3 points for every dollar spent on travel, which includes everyday stuff like gas, taxi, car service, parking, tolls, railways, as well as big ticket stuff like airfare and hotels. Get 2 points for every dollar spent on dining and entertainment, and 1 point on other purchases. New cardholders earn 50,000 bonus points after spending $3,000 in purchases within the first three months of account opening. There is an annual fee of $95 (waived for the first 12 months), no foreign transaction fees, and includes EMV chip technology.</p> <p>Points can be transferred to eleven different airline partners including the Flying Blue program of Air France and KLM, Qantas Frequent Flyer, Singapore Airlines KrisFlyer, and Virgin Atlantic Flying Club. Points can also be redeemed directly for flights at a value of 1.25 cents per point.</p> <p><a href="http://www.jdoqocy.com/click-2822544-12186944-1429536352000?sid=jsteele-1322844"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" /></a></p> <h2>Other Benefits</h2> <p>This card comes with a variety of travel insurance and purchase protection programs including lost baggage protection, trip interruption coverage, and extended warranty coverage.</p> <h2>Costs</h2> <p>There is a $95 annual fee for this card that is waived the first 12 months, and no foreign transaction fees. This card comes with the standard variable APR of 13.99%-22.99% on purchases and balance transfers, based on your creditworthiness.&nbsp;</p> <h2>Pros</h2> <p>The ThankYou&reg; points program has been getting more and more valuable lately, as Citi continues to add transfer partners such as Qantas, Singapore, and Air France/KLM. And even when a frequent flier award is not available, receiving 1.25 cents in value per point towards airfare awards is not bad, especially when cardholders begin earning 3x points on all travel and gas purchases. Other nice things about this card include the generous sign-up bonus, the waived annual fee the first year, and the numerous travel insurance and purchase protection benefits.</p> <h2>Cons</h2> <p>Eleven airline transfer partners are good to have, but they are all based overseas.</p> <h2>Who This Card Is Best For</h2> <p>There is a vibrant market for travel reward cards that offer points that transfer to airline miles. With valuable bonus points and a strong package of benefits, this is a very competitive offering for those who want to earn award travel without being married to a single airline program that can be devalued at any time.</p> <p><a href="http://www.jdoqocy.com/click-2822544-12186944-1429536352000?sid=jsteele-1322844"><strong>Click here to apply to the Citi ThankYou&reg; Premier Card today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/citi-thankyou-premier-rewards-for-everyday-travel">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/retire-your-credit-card-debt-with-citi-simplicity-card">Retire Your Credit Card Debt With Citi Simplicity® Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/citi-hilton-hhonors-visa-signature-card-big-rewards-with-no-annual-fee">Citi Hilton HHonors Visa Signature Card: Big Rewards with No Annual Fee</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-credit-card-that-rewards-you-for-online-shopping-att-access-more-card-from-citi">A Credit Card That Rewards You for Online Shopping: AT&amp;T Access More Card From Citi</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car">BuyPower Card from Capital One®: Get Your Dream GM Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/citi-hilton-hhonors-reserve-enjoy-more-free-stays">Citi Hilton HHonors Reserve: Enjoy More Free Stays</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards Citi credit card review Tue, 21 Apr 2015 06:43:52 +0000 Jason Steele 1322844 at http://www.wisebread.com 6 Cars You Can Drive (Almost) Forever http://www.wisebread.com/6-cars-you-can-drive-almost-forever <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-cars-you-can-drive-almost-forever" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_driving_000025333884.jpg" alt="Man driving car with longest driving life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The most impressive car I've ever seen in person wasn't a Porsche 911, a Ford F-350, or even a Tesla Model S.</p> <p>It was a Toyota Land Cruiser.</p> <p>What made this car stand out, especially compared to my dream car, an incredibly powerful work truck, and futuristic automotive engineering, respectively? This particular Land Cruiser had an incredible 600,000+ miles on it &mdash; the highest mileage I have ever seen (or even heard of) on a daily usage vehicle &mdash; and was still in good, drivable condition.</p> <p>Automotive expert Steven Lang and statistician Nick Larivere have put together the <a href="http://tradeinqualityindex.com/index.html">Long-Term Quality Index</a> (LTQI), an exhaustive statistical analysis of over 674,000 used cars to help car buyers understand the real reliability of vehicles, beyond the typical three-to-five year &quot;long-term&quot; industry analysis. Each model in their statistical analysis has been assigned a reliability score out of 100, where 50 represents average reliability; 0 is terribly unreliable, and 100 means you could probably <a href="https://youtu.be/xnWKz7Cthkk">still drive the car</a> after letting it wash out to sea, driving it through a building, and hitting it with a wrecking ball.</p> <p>The following models &mdash; both those that have been discontinued and those that are still being manufactured &mdash; have objectively proven themselves to be capable of going the distance, provided you take good care of them:</p> <h2>First, 3 Discontinued Used Cars With the Longest Driving Life</h2> <p>For some of us, buying a well-reviewed used car is the smartest way to get long-driving, reliable wheels without breaking the bank.</p> <p>However, Lang is quick to point out that &quot;The <a href="https://autos.yahoo.com/blogs/motoramic/car-dealer-scientific-guide-10-best-used-vehicles-181842236.html">driving and maintenance habits</a> of the prior owner will have a far greater effect on a used car's longevity than the brand.&quot; That means it's up to the buyer to make sure the car passes a trusted mechanic's inspection before driving it home.</p> <p>That being said, the following used cars can offer surprisingly good reliability to second (or even third) owners for years to come, even though their manufacturers are no longer making them.</p> <h3>Chevrolet Prizm</h3> <p>This compact sedan was only manufactured from 1989 to 2002, and had the sort of forgettable 90s-era styling that made it very easy to lose in a crowded parking lot. But beneath the boring body was an engine mechanically identical to the Toyota Corolla's, with similar reliability to that best-seller. According to the LTQI, the average mileage on a Prizm, as recorded at dealer trade-in, is a decent 136,402 miles (the industry average is 126,358 miles), and issues with the powertrain, transmission, or engine are few and far between. Overall the Prizm receives a <a href="http://tradeinqualityindex.com/vehicles/Chevrolet_Prizm.html">reliability score of 69.1</a>.</p> <p>According to Cars.com, a 2002 Prizm with fewer than 80,000 miles can be snapped up for about $5,000.</p> <h3>Pontiac Vibe</h3> <p>This compact five-door hatchback was discontinued in 2009 (model year 2010) after a seven-year production run, when the Pontiac brand folded. Like the Chevrolet Prizm, the engine design was based upon the Toyota Corolla, meaning it also offered good reliability. The LTQI has shown an average mileage of 125,455 miles on the Vibe and gives the model a decent <a href="http://tradeinqualityindex.com/vehicles/Pontiac_Vibe.html">reliability score of 72.8</a>.</p> <p>You can purchase a 2010 Pontiac Vibe with less than 60,000 miles for under $15,000.</p> <h3>Ford E-Series Van</h3> <p>Also sometimes referred to as Econoline vans, the Ford E-Series full-size vans were manufactured from 1961 to 2014. They were discontinued last year and have been replaced with the Ford Transit. These are generally known as work vehicles, and the only families you see driving them usually have their own TLC television show. However, if you are looking for a working van or a mighty family hauler that can handle a whole brood of tuba-playing hockey goalies, this is the van for you. (Airbrush art on the side is optional but encouraged.) The LTQI gives the E-Series a commendable <a href="http://tradeinqualityindex.com/vehicles/Ford_E_Series.html">77.8 reliability score</a>, and notes that the average odometer reading is 131,483 miles.</p> <p>2014 E-Series vans with fewer than 30,000 miles can be found for under $34,000.</p> <h2>3 New Cars With the Longest Driving Life</h2> <p>The cars on this list are still currently manufactured, although you can also find used models for less. The LTQI only offers information through 2010 models, but these three cars have proven themselves over time. If you are able to afford one of these cars new or &quot;lightly&quot; used, you can likely expect to drive them for years to come.</p> <h3>Toyota Camry</h3> <p>These mid-size sedans have been part of Toyota's lineup since 1982, and they have earned a well-deserved reputation for reliability. On the LTQI analysis, the Camry ranks incredibly high with a <a href="http://tradeinqualityindex.com/vehicles/Toyota_Camry.html">reliability score of 80.4</a>. The average mileage on these cars is 145,496 miles.</p> <p>The base price for a 2015 Camry is under $23,000.</p> <h3>Lexus GS</h3> <p>This mid-sized luxury sedan is a great option for anyone who has good money to spend on a car, and who wants to combine the comfort of a well-appointed daily driver with the fun of a performance vehicle. The GS has been around since 1991, and it has consistently been highly ranked by car experts. It has a notable LTQI <a href="http://tradeinqualityindex.com/vehicles/Lexus_GS.html">76.8 reliability score</a>, and the average mileage is 142,057.</p> <p>The 2015 Lexus GS starts at $55,000. Unfortunately, the GS also holds its value very well, so even a used model can cost a pretty penny.</p> <h3>Toyota Land Cruiser</h3> <p>There is an excellent reason why the longest-lived vehicle I have ever seen was a Land Cruiser. These SUVs are not only Toyota's longest running series (the first Land Cruiser model was manufactured in 1951), but they are widely considered to be &quot;ruggedly dependable.&quot; They receive an astounding <a href="http://tradeinqualityindex.com/vehicles/Toyota_Land_Cruiser.html">reliability score of 100</a> on the LTQI and have an average mileage of 178,654 miles on the odometer.</p> <p>New Land Cruisers don't come cheap, however. The base price is over $80,000 for the 2015 model. And while it is possible to buy one that is a few years old, expect to find high mileage and a high price tag, since the longevity and reliability are well known.</p> <h2>Toyota for the Win</h2> <p>If you're keeping score at home, you might notice that Toyota is either directly or indirectly responsible for five of the six cars on this list &mdash; everything except the Ford E-Series van. (Lexus is Toyota's luxury brand.)</p> <p>I'm not a shill for Toyota, nor do I have any vested interest in the company. Quite simply,Toyota has proven itself to be an incredibly reliable automaker, and you can feel pretty confident about the longevity of many of the cars manufactured either under the Toyota brand or jointly with it.</p> <p><em>Did your heap make this list?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/6-cars-you-can-drive-almost-forever">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">8 Common Car Repair Mistakes That Can Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-calculate-your-new-car-budget">7 Easy Ways to Calculate Your New Car Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-diy-car-repairs-to-save-big">8 Easy DIY Car Repairs to Save Big</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-gas-dont-make-left-hand-turns">Save gas; don&#039;t make left-hand turns.</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-simple-ways-to-cut-your-car-expenses">5 Simple Ways to Cut Your Car Expenses</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation driving life mileage reliable cars vehicles Thu, 16 Apr 2015 15:00:11 +0000 Emily Guy Birken 1382415 at http://www.wisebread.com Becoming a One-Car Family: 5 Points to Consider http://www.wisebread.com/becoming-a-one-car-family-5-points-to-consider <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/becoming-a-one-car-family-5-points-to-consider" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/one_family_car_000026960870.jpg" alt="Family deciding to become a one-car family after consideration" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're looking to simplify your life or just save money, leaning your family down to just one car can be a wise choice. My husband and I have been doing the one car thing for around a year, and it's working out quite well since our daughter is young and I work from home. We made the change after the repairs and gas costs started taking huge chunks out of our monthly budget, and it's proved to be a smart financial choice for us overall.</p> <p>While there are still times when owning two vehicles might be more convenient, with a little compromise and some planning, we're hoping to keep it simple for as long as possible. Here's how you can do the same.</p> <h2>1. Map It Out</h2> <p>Before anything else, click open a map to investigate the area around your home. When I checked our location, I discovered that our daughter's school, as well as a hospital, pharmacy, grocery store, and even a few restaurants and shops, were all within a mile of our front door. Since I work from home, knowing these amenities were in close distance helped us feel confident that we could access most of what we might need on foot in a pinch. You can also choose to switch banks, doctor's offices, pharmacies, and other spots to fit your new lifestyle.</p> <h2>2. Consider the Weather</h2> <p>That being said, we also live in an area where winter overtakes the region a good five months out of the year. If inclement weather is a factor that might make walking or other transportation difficult, weigh it in your decision accordingly. If you have kids, think down the line to when getting to school events or other activities might get tricky with just one vehicle.</p> <h2>3. Group Your Trips</h2> <p>A lot of the bumps in switching to just one car come from convenience and ease of transport. Sometimes you can't go where you want to go at the moment you want to go there. Start keeping lists of items (food, household, etc.) that you need and try to take shopping trips all at once. Group activities, like gym classes and other recreation, to get the most out of your trips. I find it particularly helpful to post a large calendar so my husband and I can see where the car is needed and when. Then practice before you drop that second car. Can you make it work?</p> <p>As a bonus, you may also find you save money by not running to the store every time you need something. Staying home more often has its benefits.</p> <h2>4. Consider Alternative Transportation</h2> <p>There's a lot on the spectrum between driving and walking. Check out the bike routes to work, for example. The average speed bike commuters travel is around 10 mph, and trips of three miles or fewer are actually faster by bike. Those of you who live in cities can check local bus and subway schedules to see if you can get where you need to go in good time. Buying frequent rider passes can be a great way to save on travel this way. Comb Craigslist and other classifieds for motorized scooters. Where there's a wheel, there's a way.</p> <h2>5. Dip in the Pool</h2> <p>Furthermore, if you live in a more spread out area, carpooling might be a good option &mdash; especially for your daily commute. Ask your coworkers or Human Resource office if any employees have organized groups. You may also find community programs by searching online. And there are lots of carshare and rideshare programs, like <a href="http://www.zipcar.com/webch&amp;gclid=COno04Os4sQCFdY8gQodw60Amw">Zipcar</a> and <a href="https://erideshare.com">eRideShare</a>, across the country that allow you to get from point A to point B without owning a car at all. Once you've surveyed all the options, make a plan that works for your family. (See also: <a href="http://www.wisebread.com/carpooling-pros-cons-and-how-to-stay-safe?ref=seealso">Carpooling: Pros, Cons, and How to Stay Safe</a>)</p> <p><em>We'd love to hear your tips on making just one car work for a family (or perhaps no car at all). Please leave your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/becoming-a-one-car-family-5-points-to-consider">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-driving">Here&#039;s How Rich You&#039;d Be If You Stopped Driving</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-gas-by-safely-following-trucks">Save More Gas by Safely Following Trucks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/carpooling-pros-cons-and-how-to-stay-safe">Carpooling: Pros, Cons, and How to Stay Safe</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-simple-ways-to-cut-your-car-expenses">5 Simple Ways to Cut Your Car Expenses</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/downsizing-with-kids">Downsizing With Kids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Family carpooling downsizing rideshare saving money simplifying life Wed, 15 Apr 2015 21:00:10 +0000 Ashley Marcin 1386019 at http://www.wisebread.com The 5 Best Winter Tires http://www.wisebread.com/the-5-best-winter-tires <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-winter-tires" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/winter_driving_000014996881.jpg" alt="Woman driving safely in winter with new winter tires" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are certain kinds of weather that can really throw any vehicle for a spin, both metaphorically and physically, and one of them is snow. Those winter months can be a dangerous time for anyone who requires a car or truck to go about their daily lives and the kind of tires on your vehicle shouldn&rsquo;t cause you any more stress than this time of year already brings. Instead of worrying about whether or not your tires are going to keep you safe this winter, make an investment in a spectacular set of winter tires to keep yourself sane and safe whenever snow threatens to fall.</p> <h2>What are Winter Tires?</h2> <p>Unlike their general counterparts, winter tires (also known as snow tires) are better and safer for the snowy months since they have more sipes (the thin slits in the rubber) which are perfect for traversing the rougher terrain. These tires give much better traction on the snow and ice, but not so much on the dry or wet roads. Though it is possible to use these tires all year round, it&rsquo;s not recommended since the dryer, warmer roads will cause the tires to wear out faster, and don&rsquo;t provide the same kind of handling that summer tires do in the summer months. Though changing them each time the season changes might be a pain, the extra safety and convenience you get from getting a great set of snow tires is worth the elbow grease. Since tires are specific to cars, the prices listed in this article will be the lowest prices from which the tires are available. This does not mean this will automatically be the price of the tires for your specific model of car, so make sure you are looking at the right size to see the correct price for your needs. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</p> <h2>Top 5 Winter Tires</h2> <h3>Michelin X-Ice Xi3</h3> <p><a href="http://www.amazon.com/gp/product/B009B7WIGC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B009B7WIGC&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FVPBBWV47YAY7HWB"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Michelin%20X-Ice%20Xi3.jpg" width="155" height="250" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B009B7WIGC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B009B7WIGC&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FVPBBWV47YAY7HWB">Michelin X-Ice Xi3</a> is a top pick on Consumer Search and for good reason. It is one of the best tires that performs overall, during harcore snowy conditions and slightly snowy conditions. Though there is some room for improvement on the wet/dry condition performance of these tires, they are an excellent option for anyone who has to deal with severe winter weather for most of the season. Milder winter conditions are probably better handled by other kinds of snow tires, but if you need something heavy-duty, these are the tires for you. These tires have some serious grip on snow and ice, giving you excellent handling on what can be very nerve-wracking terrains.</p> <p>Though most snow tires don&rsquo;t come with a warranty, the Michelin X-Ice Xi3 comes with a 40,000 mile tread wear warranty that can be collected when the tires get down to 2/32 inches. This, however, is not recommended, as tires should be replaced when they get to 5/32 inches of tread are left on these tires.</p> <p><em><a href="http://www.amazon.com/gp/product/B009B7WIGC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B009B7WIGC&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FVPBBWV47YAY7HWB">Currently as low as $124.98 on Amazon</a></em></p> <h3>Bridgestone Blizzak WS80</h3> <p><a href="http://www.walmart.com/ip/Blizzak-Ws80-215-60R17/43075211"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Bridgestone%20Blizzak%20WS80.jpg" width="178" height="250" align="right" alt="" />Bridgestone Blizzak</a> tires are renowned for their ability in wet surface traction and spectacular performance in snowy or icy conditions. The Blizzak WS80 model takes a step up from its predecessor the WS70 by increasing the stability in handling when driving in dryer conditions. It comes with a Tube MultiCell Compound built into it which really helps during the wet conditions as it dispels water away to help with the handling on wet conditions. Still, some consumers have reported stopping on wet surfaces takes longer than they would like.</p> <p>The zigzag pattern on the tire isn&rsquo;t just for show; it increases the effectiveness of the tread by adding many biting edges to create the best traction it can on snow and ice conditions. With the amount of trust behind this brand of winter tire, you can be sure you&rsquo;re in for a great purchase.</p> <p><em><a href="http://www.walmart.com/ip/Blizzak-Ws80-215-60R17/43075211">Currently as low as $133 at Walmart</a></em></p> <h3>Continental ExtremeWinterContact</h3> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Continental%20ExtremeWinterContact.jpg" width="209" height="250" align="right" alt="" />The <a href="http://www.walmart.com/ip/Continental-ExtremeWinterContact-Tire-215-70R15SL-98T-BW/19889404">Continental ExtremeWinterContact</a> tires are great for any size car, from compact to SUV to light-duty truck. These tires show magnificent results in traction tests on ice and snow, comparable with even the Michelin X-Ice Xi3. One the tread is 50% worn, an indicator on the tire will let the owner know so that you can keep track of the tires&rsquo; level of safety. The breaking for these tires is great on all surfaces except wet ones, but even then it still performs well. This is a studless tire with plenty of void and grip edges in the center to intensify its traction on snow and ice. If you&rsquo;re looking for a great tire to perform for just about any kind of car, the Continental ExtremeWinterContact tires are worth your consideration.</p> <p><em><a href="http://www.walmart.com/ip/Continental-ExtremeWinterContact-Tire-215-70R15SL-98T-BW/19889404">Currently as low as $80 at Walmart</a></em></p> <h3>Yokohama iceGUARD iG52c</h3> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Yokohama%20iceGUARD%20iG52c.jpg" width="166" height="250" align="right" alt="" />The <a href="http://www.yokohamatire.com/tires/detail/iceguard_ig52c">Yokohama iceGUARD iG52c</a> tire is known for being able to fit a variety of car types from compact to van. It is made of a special compound from a combination of silica, multi-layer carbon, and micro bubbles that are coated in resin to give it excellent handling for winter tires in all kinds of cold weather. This is especially true with the Yokohama iceGUARD iG52c&rsquo;s ability to push away sludge and slush to keep it from being a concern as you drive in melting snow conditions. Since it is a high traction/soft compound combination, some consumers report these tires being pretty noisy, but that they still do a great job of handling on snowy, icy, and even wet surfaces.</p> <p>The best thing about these tires besides their impeccable performance is that they are eco-friendly, meaning you can help the environment while helping yourself to some amazing tires.</p> <p><em><a href="http://www.yokohamatire.com/tires/detail/iceguard_ig52c">Currently priced around $70, but since it depends on the dealer, please go to the below website and enter your zipcode to find the best price</a></em></p> <h3>General AltiMAX Arctic Winter Tire</h3> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/General%20AltiMAX%20Arctic%20Winter%20Tire.jpg" width="169" height="250" align="right" alt="" />The <a href="http://www.amazon.com/gp/product/B004QL5Z0Y/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004QL5Z0Y&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=W5CNDN34AN5HIT6B">General AltiMAX Arctic Winter</a> tire can fit a variety of car sizes. If you&rsquo;re looking for studded tires this winter, these tires can become studded with the purchase of additional studs to be installed. This tire has a Center Stability Rib to help with direction on dry roads and multiple sipes to help water evacuation from the tires to avoid hydroplaning. The radials on this tire have 270 degree siping that make for great grabbing action on snow and ice to increase traction.</p> <p>This tire also comes with Reactive Contour Technology that helps it adapt to roads that are wet, dry, and anything inbetween to consistently provide excellent handling experience for the driver. They are the least expensive tires on this list, but the General AltiMAX Arctic Winter Tire provides the same quality safety precautions and driving experience as many more expensive winter tire options.</p> <p><a href="http://www.amazon.com/gp/product/B004QL5Z0Y/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004QL5Z0Y&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=W5CNDN34AN5HIT6B"><em>Currently as low as $66.04 on Amazon</em></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janae-spinato">Janae Spinato</a> of <a href="http://www.wisebread.com/the-5-best-winter-tires">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-aging-creams">The 5 Best Anti-Aging Creams</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">8 Common Car Repair Mistakes That Can Cost You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hair-clippers">The 5 Best Hair Clippers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-iphone-6-covers">The 5 Best iPhone 6 Covers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-laundry-detergents">The 5 Best Laundry Detergents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping Amazon product reviews tires winter tires Wed, 08 Apr 2015 09:00:04 +0000 Janae Spinato 1370801 at http://www.wisebread.com 8 Crazy Things Tomorrow's Cars Will Do http://www.wisebread.com/8-crazy-things-tomorrows-cars-will-do <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-crazy-things-tomorrows-cars-will-do" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/toyota_fv2.jpg" alt="Toyota FV2 futuristic concept car of tomorrow" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The funny thing about concept cars is that they're just that &mdash; concepts. They're futuristic ideas displayed at auto shows, designed to highlight advanced technologies and stylistic directions of cars that may never actually see the light of day.</p> <p>While we don't pretend to predict which future features are likely to catch on, there are plenty of cool bells and whistles that are worth hoping for. Some are more conceptual than others, and some more likely to be seen in the next few years than scrapped. Here are our top eight:</p> <h2>1. Flying Cars</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/bp2TWNpTA7s" frameborder="0" allowfullscreen=""></iframe></p> <p>Even before the Jetsons made it to primetime, a flying car has been seen as a futuristic solution to every commuter's problems.</p> <p>Trademarked as the <a href="http://www.terrafugia.com/tf-x">TF-X</a>, a company called Terrafugia says it's making a car that becomes airborne like a helicopter, and then flies like a plane. The company makes another flying car, called the Transition, that has wings and takes off as a plane (and amazingly is road legal for driving). You just may need to land at an airport and then drive to your destination. Both flying cars still appear to be in the experimental stages.</p> <h2>2. Motorcycle-Car Combos</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/RZXCqGiBxYY" frameborder="0" allowfullscreen=""></iframe></p> <p>Toyota's <a href="http://www.toyota-global.com/innovation/personal_mobility/i-road/">i-Road concept car</a> has two wheels in the front and one in the back, with an enclosed area for two passengers. The front wheels are powered by electric motors that share a lithium-ion battery. It has a driving range of 30 miles and goes up to 30 mph, making it best for short trips.</p> <p>This electric vehicle made its second appearance at the Chicago Auto Show, giving the impression that it's more of a concept than reality &mdash; for now.</p> <h2>3. Clean Cars</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/tesla_model_x.jpg" width="605" height="340" alt="" /></p> <p>Electric vehicle innovations are already numerous, and more are on the way. Major carmakers are getting into the hybrid business, and some, such as the <a href="http://ec.europa.eu/research/transport/projects/items/lean_and_green___the_clever_vehicle_en.htm">CLEVER</a> vehicle designed at the Technical University of Berlin, have a compressed natural gas engine to cut carbon dioxide emissions.</p> <p>If you're looking for a clean car that's beyond the concept stage, the Tesla <a href="http://www.teslamotors.com/modelx">Model X</a> is scheduled for delivery in early 2016. It's an electric car that's designed as an SUV/minivan mashup that may have two different battery packs available. Teslas have some of the longest battery life of EVs, traveling 230-300 miles when driven at 55 mph.</p> <h2>4. Solar-Powered Cars</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ford_c_max.jpg" width="605" height="340" alt="" /></p> <p>The Ford <a href="https://media.ford.com/content/fordmedia/fna/us/en/news/2014/01/02/let-the-sun-in--ford-c-max-solar-energi-concept-goes-off-the-gri.html">C-Max Solar Energi Concept</a> has a solar panel roof that draws power from a solar concentrator lens like a magnifying glass. A day's worth of sunlight produces a range of up to 620 miles. The 2015 version of this gas/electric hybrid doesn't have a solar roof, so we can only guess that this concept car is either still in the planning stages or shelved.</p> <h2>5. External Airbags</h2> <p>Safety technology maker TRW Automotive is developing <a href="http://www.digitaltrends.com/cars/attack-of-the-stay-puft-marshmallow-man-external-airbags-coming-to-the-side-of-a-car-near-you/">external airbags</a> for below the exterior of car doors to protect a car's occupants. While a full-car bubble wrap isn't part of the plan, TRW plans on having the airbags on a German luxury car by the end of the decade, likely the Mercedes-Benz S Class.</p> <h2>6. Extended Tailgates</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/hyundai_santa_cruz.jpg" width="605" height="340" alt="" /></p> <p>Have you ever needed to haul something in your truck and the truck bed just wasn't long enough? The 2015 Hyundai <a href="http://www.hyundainews.com/us/en/media/pressreleases/42741/hyundai-introduces-convention-shattering-santa-cruz-crossover-truck-concept-at-detroit-international">Santa Cruz</a> concept crossover truck is an experimental vehicle with a tailgate extension to make the bed length similar to a mid-size pickup. It has a drawer-like sliding function for longer cargo.</p> <p>The Santa Cruz was at the Chicago Auto Show in February, when manufacturers judged the public's reaction to the prototype. That's another part of being a concept car &mdash; weighing the public's interest in its features. (Some may be too far ahead of their time or garner no interest at all.)</p> <h2>7. Large Touchscreens</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/Concept_GC_PHEV_21.jpg" width="605" height="403" alt="" /></p> <p>The Mitsubishi <a href="http://media.mitsubishicars.com/releases/mitsubishi-motors-concept-gc-phev-makes-north-american-debut-at-the-2015-chicago-auto-show">GC-PHEV</a> concept car has what Mitsubishi calls a &quot;Tactile Table&quot; that's a large flat touchscreen running from the center console all the way back to the second row of seats. The blue-lit screen looks like something you'd use to plan Death Star attacks. However, Mitsubishi has other uses in mind, including allowing passengers to put their smartphones on top of it and create, collect, exchange, and share information with others through the car's communication system. At least it <em>sounds</em> like fun.</p> <h2>8. No Steering Wheels</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/1i4NnqrTMs4" frameborder="0" allowfullscreen=""></iframe></p> <p>The <a href="http://www.toyota-global.com/tokyoms2013/fv2/">Toyota FV2</a> concept car is a single-person vehicle that doesn't use a steering wheel; instead, the driver shifts their body weight to intuitively move the vehicle and steer it. The car also uses &quot;voice and image recognition to determine the driver's mood, accumulated driving history to suggest destinations, and driving skill information to assist the user,&quot; according to Toyota. The carmaker compares it to &quot;the relationship of trust and understanding that a rider might have with his or her horse.&quot;</p> <p>If having trust in your car like you would a horse is too much to ask, then a <a href="http://www.theblaze.com/stories/2015/03/10/mercedes-benzs-self-driving-cars-took-to-the-streets-of-san-francisco-and-residents-were-mesmerized/">self-driving car</a> may be more to your liking. Those look to be a bit more realistic for the foreseeable future.</p> <p><em>What futuristic car features are you most excited about?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/8-crazy-things-tomorrows-cars-will-do">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-11-best-parking-apps-for-your-city">The 11 Best Parking Apps for Your City</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-gasoline-pump-y2k-problem">The Gasoline Pump &quot;Y2K&quot; Problem</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-this-the-best-search-engine-ever-for-new-used-cars">Is This the Best Search Engine Ever for New &amp; Used Cars?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-your-next-car-be-electric">Should Your Next Car Be Electric?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">8 Common Car Repair Mistakes That Can Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Technology auto shows concept cars flying cars future cars hybrids Wed, 25 Mar 2015 17:00:09 +0000 Aaron Crowe 1354153 at http://www.wisebread.com