Cars and Transportation http://www.wisebread.com/taxonomy/term/4812/all en-US 9 Things You Should Always Carry on an Economy Flight http://www.wisebread.com/9-things-you-should-always-carry-on-an-economy-flight <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-things-you-should-always-carry-on-an-economy-flight" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/great_music_in_the_airplane.jpg" alt="Great music in the airplane" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Flying in economy class today is a far cry from the golden age of flying, when a standard flight provided free blankets, meals, and even alcoholic drinks in some cases. Airlines these days compete to offer the lowest prices possible, and to do so, they&rsquo;ve stripped out many of the amenities they used to provide free on domestic flights.</p> <p>If your flight is more than an hour or two, it&rsquo;s usually worth bringing along some items that can make your flight more comfortable. Below are nine things to consider packing in your carry-on.</p> <h2>1. Water</h2> <p>Anyone who&rsquo;s ever flown knows the dry cabin air can leave you dehydrated. It&rsquo;s recommended you drink at least eight ounces of water per hour you&rsquo;re in the air. While many airlines still give you water for free, some discount airlines don&rsquo;t. Either way, it can take up to an hour after you board the plane for beverage service to start, so it&rsquo;s best to bring your own water.</p> <p>Though you&rsquo;re not allowed to take liquids through TSA checks, you can bring an empty bottle and fill it up once you&rsquo;re past airport security. If you&rsquo;re in a country where the water in the airport is not safe to drink, you may need to buy a bottle of water from a vendor in the airport. That&rsquo;s still better than not having any water with you on the flight. (See also: <a href="http://www.wisebread.com/5-cheap-ways-to-make-flying-coach-feel-like-first-class?ref=seealso" target="_blank">5 Ways to Make Coach Feel Like First Class</a>)</p> <h2>2. Snacks or a light meal</h2> <p>While some airlines still offer a small bag of pretzels to passengers, it&rsquo;s increasingly common to find there is no free food at all on a flight. Instead, many airlines offer overpriced meals or snacks that you can buy. If you don&rsquo;t want to pay those inflated prices, bring your own healthy nibbles. (See also: <a href="http://www.wisebread.com/15-easy-to-pack-delicious-and-cheap-airline-snacks?ref=seealso" target="_blank">15 Easy-to-Pack, Delicious, and Cheap Airline Snacks</a>)</p> <p>Light and lean proteins are best for long-distance flights because they are easy for your body to digest while sitting down for long periods of time. Turkey, chicken, tuna, and hard boiled eggs are good options that can easily be packed for your flight.</p> <p>Avoid foods that are deep fried, processed, or high in sugar, as they can make you feel fatigued and restless. It&rsquo;s equally important to watch what you eat before a flight. Gassy foods such as onions, broccoli, and carbonated beverages can make you feel bloated during long periods without physical activity.</p> <h2>3. Entertainment</h2> <p>Keeping yourself occupied is the easiest way to make a long flight go faster. That&rsquo;s why most planes come with some sort of in-flight entertainment. But many airlines now charge for movies, with prices topping $5 for a single film.</p> <p>If you don&rsquo;t want to pay those prices, plan ahead and make sure you bring something with you to do. Download your favorite film or show onto a tablet, bring a book or e-reader with you, or if you&rsquo;re traveling with friends or family, consider bringing a pack of cards or games you can play from your seat.</p> <h2>4. Headphones</h2> <p>Even airlines that do provide free entertainment tend to not provide the headphones to allow you to listen to it. The crew will offer headphones for sale at the beginning of the flight, but they&rsquo;ll be poor quality and expensive. Avoid that frustration by bringing your own pair of headphones so you can plug in for free if you get lucky with an in-flight movie.</p> <p>You might even consider upgrading to good pair of <a href="http://amzn.to/2ntqM8T" target="_blank">noise-cancelling headphones</a>, which can drown out unpleasant or distracting sounds.</p> <h2>5. Earplugs</h2> <p>Maybe you&rsquo;re the type of person who likes to catch a few winks on a flight. Earplugs are a must if you don&rsquo;t want a fitful nap interrupted by constant noise, especially in the tightly packed economy section.</p> <p>Believe it or not, earplugs are not all created equal. I always go for the plugs that cancel out the most noise, while still feeling comfortable. <a href="http://amzn.to/2jOUtfF" target="_blank">Mighty Plugs</a> are a great option for planes.</p> <h2>6. Eye mask</h2> <p>Once you&rsquo;ve planned for the noise situation, it&rsquo;s time to think about light. It can be difficult to catch some quality z's when the sun is streaming in through the windows and the cabin lights are on. An eye mask can be a godsend in these situations, providing you with the darkness you need.</p> <p>When shopping for a mask, look for something made from a cool, comfortable fabric with an adjustable strap. You may also want to consider a contoured shape that pushes the mask out from your face so it&rsquo;s not resting uncomfortably on your eyelids. (See also: <a href="http://www.wisebread.com/the-5-best-eye-masks?ref=seealso" target="_blank">The 5 Best Eye Masks</a>)</p> <h2>7. Pillow and blanket</h2> <p>Not so long ago, an airline branded pillow and blanket wrapped in a cellophane bag on your seat was a common sight. These days it&rsquo;s rare for airlines to provide them as standard in economy class. Even in the unlikely event that you do find a blanket waiting for you, you probably won&rsquo;t want to use it. Airline employees have admitted that the blankets are infrequently washed. You can buy travel blankets that roll up to a compact size. Another option is to wear a large scarf that you can cover yourself with.</p> <p>If you plan to do any sleeping, you&rsquo;ll want a pillow, too. An inflatable neck pillow is good because it folds up small for carrying. If you take frequent long-haul flights, you may even want to consider a <a href="http://amzn.to/2ikHnXi" target="_blank">lean-forward pillow</a>, which lets you use the space in front of you for a more comfortable sleep. (See also: <a href="http://www.wisebread.com/the-5-best-travel-pillows?ref=seealso" target="_blank">The 5 Best Travel Pillows</a>)</p> <h2>8. Compression socks</h2> <p>One of the best ways to get comfortable on a flight is to kick back and take your shoes off. But no one will appreciate it if your socks smell like you&rsquo;ve just run a marathon. The easiest way to ensure you don&rsquo;t stink up the cabin is to bring an additional pair of socks with you.</p> <p>Shell out a little extra for a pair of <a href="http://amzn.to/2iit5WQ" target="_blank">compression socks</a>, which will also significantly reduce your risk of suffering Deep Vein Thrombosis during your flight. Though they&rsquo;re particularly effective on long distance flights when the risk of DVT is higher, there&rsquo;s no harm in wearing them for flying short distances, as well.</p> <h2>9. Hand sanitizer and sterile wipes</h2> <p>Studies have shown that airline cabins are filthy spaces. Tray tables, seat belts, arm rests, and even suitcases are rife with bacteria. The pressure to quickly turn around an aircraft between flights inevitably means that they&rsquo;re not cleaned to a high standard.</p> <p>Since most of the harm materializes as a result of touching infected areas, you can reduce the potential by keeping good hygiene. Use sanitizer spray or sterile wipes on the surfaces around you, as well as regularly on your hands.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/9-things-you-should-always-carry-on-an-economy-flight">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/11-essentials-every-business-traveler-needs-to-pack">11 Essentials Every Business Traveler Needs to Pack</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-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</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/do-these-9-things-now-to-make-holiday-air-travel-easier">Do These 9 Things Now to Make Holiday Air Travel Easier</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/3-flexible-ways-to-cash-in-your-miles-and-points">3 Flexible Ways to Cash In Your Miles and Points</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-simple-ways-to-travel-greener-that-could-save-you-money">8 Simple Ways to Travel Greener That Could Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Travel Coach coach seat economy flight flight essentials flight tips frequent flyer luggage packing tips travel tips Fri, 08 Dec 2017 09:30:11 +0000 Nick Wharton 2067353 at http://www.wisebread.com Best Money Tips: Things Your Uber and Lyft Drivers Wished You Knew http://www.wisebread.com/best-money-tips-things-your-uber-and-lyft-drivers-wished-you-knew <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-things-your-uber-and-lyft-drivers-wished-you-knew" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_lyft_driver_811450666.jpg" alt="Uber driver telling woman what he wished she knew" 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 articles on things your Uber and Lyft drivers wished you knew, how to host a hoppin&rsquo; cookie exchange party, and ways to get free shipping on Amazon without paying for Prime.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.popsugar.com/smart-living/What-Uber-Lyft-Drivers-Want-Passengers-Know-43867390">11 Things Your Uber and Lyft Drivers Wished You Knew &mdash; Before Getting in Their Cars</a> -- Don't request an Uber Pool or Lyft Line if you're not okay with the driver picking up other passengers or dropping them off before you. [PopSugar Smart Living]</p> <p><a href="https://savingdollarsandsense.com/how-to-host-a-successful-cookie-exchange-party/">How to Host Successful Cookie Exchange Party</a> -- A cookie exchange party is a great way to spend time with your loved ones, and as a bonus, everyone gets to go home with a variety of yummy holiday cookies! [Saving Dollars &amp; Sense]</p> <p><a href="https://adebtfreestressfreelife.com/ways-to-get-free-shipping-on-amazon/">5 Ways to Get Free Shipping On Amazon</a> -- You can still enjoy free shipping on Amazon without a Prime Membership. Certain lightweight products may ship for free with no minimum order. [A Mess Free Life]</p> <p><a href="https://mattaboutmoney.com/2017/11/28/how-healthy-is-your-financial-environment/">How Healthy Is Your Financial Environment?</a> -- Your financial environment can impact how you use your money&hellip;but often in unhealthy ways. Learn how you can change aspects of your environment to encourage better money practices. [Matt About Money]</p> <p><a href="https://www.thepennyhoarder.com/make-money/how-to-make-money-off-your-emergency-fund/">This is How to Start an Emergency Fund &mdash; and Put It to Work for You</a> -- You have a number of options if you want your emergency fund to grow in an account AND be accessible when you need it. [The Penny Hoarder]</p> <h2>Other Essential Reading</h2> <p><a href="https://www.thesimpledollar.com/six-essential-strategies-for-negotiating-a-raise-at-work/">Six Essential Strategies for Negotiating a Raise at Work</a> -- If your workplace offers performance reviews, use the most recent ones as a template to see if you have a good case for asking for a raise or other benefits. [The Simple Dollar]</p> <p><a href="https://due.com/blog/4-small-business-pain-points-fix/">4 Small Business Pain Points And How to Fix Them</a> -- Delayed payments can cause serious cash flow issues for small businesses. Make it easier for you and your customers by using a digital accounting solution that offers online invoicing. [Due]</p> <p><a href="https://blog.mint.com/family/6-unique-holiday-gifts-that-dont-require-wrapping-paper/">6 Unique Holiday Gifts That Don&rsquo;t Require Wrapping Paper</a> -- The easiest way to avoid wrapping gifts (short of not giving gifts) is to give something that the recipient can do or experience. [MintLife Blog]</p> <p><a href="https://www.runthemoney.com/cycling-to-work-2/">4 Of The Best Reasons to Start Cycling to Work Today</a> -- Riding your bicycle to work is a great way to get some exercise into your day. [Run The Money]</p> <p><a href="https://www.getorganizedwizard.com/blog/2017/11/are-you-blind-to-clutter/">Are You Blind to Clutter?</a> -- When you have a high tolerance for piled clutter -- you've learned to work around the clutter and you don't feel the urgency to clean up the mess -- you have become clutter blind. [Get Organized Wizard]</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-things-your-uber-and-lyft-drivers-wished-you-knew">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/7-ways-to-earn-extra-money-with-your-car">7 Ways to Earn Extra Money With 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/how-to-make-more-money-as-an-uber-driver">How to Get a High Rating and Make More Money as an Uber Driver</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-uber-saving-or-costing-you-money">Is Uber Saving or Costing You 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/8-seasonal-side-hustles-thatll-cover-your-holiday-spending">8 Seasonal Side Hustles That&#039;ll Cover Your Holiday Spending</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/dont-get-audited-how-your-side-gig-needs-to-handle-taxes">Don&#039;t Get Audited! How Your Side Gig Needs to Handle Taxes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips lyft Uber Thu, 30 Nov 2017 09:30:10 +0000 Amy Lu 2063674 at http://www.wisebread.com 3 Flexible Ways to Cash In Your Miles and Points http://www.wisebread.com/3-flexible-ways-to-cash-in-your-miles-and-points <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-flexible-ways-to-cash-in-your-miles-and-points" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/i_can_not_wait_to_get_on_that_plane.jpg" alt="I can&#039;t wait to get on that plane" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you're a beginner at traveling for free using miles and points, it makes sense to think of each program as a separate entity. Want to fly for free on American Airlines? Get some American AAdvantage miles. Want to stay at a Hilton for free? Start saving up Hilton Honors points.</p> <p>But once you've mastered the basics, you'll find that limitless opportunities arise when you start mixing and matching your programs, and adding in points from banks or credit card issuers, which can be traded for a variety of point types. When you start doing this, you not only gain more flexibility, but sometimes you're able to take advantage of deals and bargains that help you wring more value out of the points you have. (See also: <a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value?ref=seealso" target="_blank">Which Credit Cards Have the Best Travel Redemption Value?</a>)</p> <p>For example, I will soon be using British Airways' Avios points to fly from California to Hawaii. Does British Airways fly from California to Hawaii? Nope. I'll be flying on Alaska Air. Alaska is a partner of British Airways, and accepts Avios for flights. Why use Avios? Because each airline has its own ways of calculating how many points different flights cost, and British Airways' system makes flights from the West Coast to Hawaii a better deal than I would get using Alaska Miles or other domestic carrier programs. Generally, booking a flight from the West Coast to Hawaii costs 12,500 Avios points each way, compared to 17,500 to 30,000 Alaska Airlines miles each way. Also, I happen to have plenty of Avios, but no Alaska Airlines miles. (See also: <a href="http://www.wisebread.com/how-airline-partnerships-can-supercharge-your-travel-rewards?ref=seealso" target="_blank">The Secret to Redeeming Travel Rewards With Airline Partners</a>)</p> <p>Here are the three main ways you can travel using points from different companies to get the best deal possible.</p> <h2>Use miles on a partner airline</h2> <p>The major airlines belong to large partnership programs. For example, United Airlines belongs to the <a href="https://www.united.com/CMS/en-US/Marketing/CustComm/Promotions/Pages/AirlinePartners.aspx" target="_blank">Star Alliance</a>, allowing its MileagePlus members to use or earn United miles on 26 other airlines, including Lufthansa and Singapore Airlines.</p> <p>Sometimes these mileage partners show up when you search for flights to book on an airline site, so you might not even notice that you're flying a partner airline until you get to the airport. Other times, you need to work a little harder. For my flight to Hawaii, for example, I will have to make the reservation by phone, because Alaska Airlines flights don't show up on the British Airlines booking site.</p> <p>Besides helping you get a good deal, this method can help you use your miles to access routes or destinations that aren't served by the airline with which you hold the miles. For example, last year I wanted to fly direct from San Francisco to Sydney, Australia. I had accumulated a lot of American AAdvantage miles, so that's the &quot;currency&quot; I wanted to pay with. American doesn't fly to Sydney from San Francisco, but its partner Qantas does, so I used my AAdvantage miles to fly Qantas. (See also: <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better?ref=seealso" target="_blank">Which Airline Loyalty Program Has the Best Value for Their Miles?</a>)</p> <h2>Transfer points from one program to another</h2> <p>You can't generally transfer miles from one airline to another, but you can often transfer points from a hotel loyalty program to an airline or from a credit card travel rewards program to an airline or hotel. These companies all have exchange agreements with select partners &mdash; and sometimes you can actually gain value by moving your points from one program to another. But beware, in some cases you lose value in the transaction.</p> <p>Before you start converting points, check the conversion rate carefully. Most of the time it'll be 1:1, meaning one credit card reward point can be converted to one airline mile. But other times, it might take two credit card rewards point to get one airline mile. Sometimes this is still going to be worth it to you, because that airline is the only one that will get you to your destination. But other times, it's better to consider another option that does give you a 1:1 ratio.</p> <p>However, another scenario is when you get a <em>better</em> value than 1:1. Some programs will give you a bonus for transferring your points. That's why it pays to shop around when <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=internal" target="_blank">choosing a travel rewards credit card</a>.</p> <p>What if the airline you want to fly doesn't have a partnership with the points program you want to use? All's not lost. You can arrange a double transfer. A what now? Well, imagine you have a bunch of rewards points, but it doesn't transfer to the airline miles you want. But do a little digging and you notice that the credit card rewards program allows you to convert to a certain hotel program, which allows you to transfer those hotel points to its partner airline program, the very airline you want to fly. Unfortunately, many times this sort of double transfer will cause you to lose lots of value in your initial points. Especially since hotel loyalty programs generally have poor exchange rates. So consider the double exchange a last resort in most cases.</p> <p>It's always a good idea to search for a more direct strategy before resorting to a double transfer. Or if that sounds too complicated, try method three, below.</p> <h2>Spend points like cash on a travel portal</h2> <p>Credit card rewards programs have portals through which you can book flights on a variety of airlines (and hotels) using points. Usually, when going this route, your points will be converted to a discount on the cash price of the flight, and if you don't have enough points, you can pay the remainder in cash.</p> <p>The value per mile you get when shopping through the airline portals is often a little less than you would get by redeeming miles directly through an airline, but there is also an advantage to doing it this way: The airlines see your booking as a cash purchase, not a miles redemption. This means that you're not limited to the sometimes small number of award seats made available by the airlines, or by holiday blackout dates. Even better, when you book this way, you can earn miles on the flight. And some flights booked this way may be eligible for upgrades.</p> <p>Sometimes, the credit card portals sweeten the deal. Because I hold a premium card, for instance, I got a points rebate for my flight purchase, reducing the total cost of the trip. My card also gives me five points for every dollar I spend on the portal, so between getting miles for flying, a points rebate on some of the points I spent, plus five points for every dollar cash I paid, I considered this a win/win/win.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F3-flexible-ways-to-cash-in-your-miles-and-points&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F3%2520Flexible%2520Ways%2520to%2520Cash%2520In%2520Your%2520Miles%2520and%2520Points.jpg&amp;description=3%20Flexible%20Ways%20to%20Cash%20In%20Your%20Miles%20and%20Points"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/3%20Flexible%20Ways%20to%20Cash%20In%20Your%20Miles%20and%20Points.jpg" alt="3 Flexible Ways to Cash In Your Miles and Points" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/3-flexible-ways-to-cash-in-your-miles-and-points">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-19"> <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/how-to-earn-airline-miles-while-you-shop">How to Earn Airline Miles While You Shop</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/9-things-you-should-always-carry-on-an-economy-flight">9 Things You Should Always Carry on an Economy Flight</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/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</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/6-things-its-better-to-buy-at-the-last-minute">6 Things It&#039;s Better to Buy at the Last Minute</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/get-started-with-travel-rewards-in-4-simple-steps">Get Started With Travel Rewards in 4 Simple Steps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping Travel airline miles airline points free travel frequent flyer miles shopping tips travel tips Wed, 29 Nov 2017 09:30:10 +0000 Carrie Kirby 2062562 at http://www.wisebread.com Best Money Tips: Must-Have Car Features That Will Save You Money http://www.wisebread.com/best-money-tips-must-have-car-features-that-will-save-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-must-have-car-features-that-will-save-you-money" 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_624494938.jpg" alt="Woman with new car and must-have car features" 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 articles on must-have car features that will save you money, the best hacks for saving on Black Friday, and ways to make money in the next hour.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.dumblittleman.com/car-features-to-look-for/">8 Must-Have Car Features That Will Save You Money</a> &mdash; These are the best features to look for if you want to lower future expenses on your car. [Dumb Little Man]</p> <p><a href="https://wellkeptwallet.com/save-money-black-friday/">The Best Hacks to Save Money on Black Friday</a> &mdash; If you know which stores you'll be shopping on Black Friday, join their loyalty program to start receiving discounts and advanced notice on upcoming sales. [Well Kept Wallet]</p> <p><a href="https://shebudgets.com/personal-finance/how-to-make-money/make-money-next-hour/58787">10 Ways To Make Money In The Next Hour</a> &mdash; Return any items that still have the tag attached. If you can't return it, sell it! [SheBudgets]</p> <p><a href="https://www.popsugar.com/smart-living/How-Stop-Being-Nosy-43468370">6 Major Benefits to Minding Your Own Business</a> &mdash; When you aren't so focused on other people's business, you have more time and energy to spend on bettering your own life. [PopSugar Smart Living]</p> <p><a href="http://www.freemoneyfinance.com/2017/11/how-to-buy-a-side-hustle-franchise-in-7-steps.html">How to Buy a &ldquo;Side Hustle&rdquo; Franchise in 7 Steps</a> &mdash; Some franchises work great as a side hustle. Here's what you need to know to get started. [Free Money Finance]</p> <h2>Other Essential Reading</h2> <p><a href="https://moneyqanda.com/how-to-save-money-on-christmas-gifts/">5 Smart Ways to Save on Gifts this Christmas</a> &mdash; Use price comparison apps and tools to track down the best deals for holiday gifts. [Money Q&amp;A]</p> <p><a href="https://www.moneyspruce.com/smart-ways-invest-future/">Smart Ways to Invest in Your Own Future</a> &mdash; Make these smart investment moves early so you can make the most of compound interest. [Money Spruce]</p> <p><a href="http://yourmoneyyourfreedom.com/graduate-grad-school-debt-free/">The Art of Graduating Grad School Debt Free</a> &mdash; Grad school debt can be a heavy financial burden. Follow these tips to make your quest for higher learning more affordable. [FreeUp]</p> <p><a href="https://www.positivityblog.com/make-someone-happy/">24 Quick Ways to Make Someone Happy Today</a> &mdash; Share your hobby! Give away pieces that you produce, like a bracelet or a drawing. [The Positivity Blog]</p> <p><a href="https://www.stevenaitchison.co.uk/7-healthy-habits-stronger-mind/">7 Healthy Habits for a Stronger Mind</a> &mdash; Setting a fixed bed time can help you with time management. You're more likely to get things done early when you know there's a deadline to the day. [Change Your Thoughts]</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-must-have-car-features-that-will-save-you-money">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-things-you-should-always-carry-on-an-economy-flight">9 Things You Should Always Carry on an Economy Flight</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/can-acetone-dramatically-increase-your-gas-mileage">Can Acetone Dramatically Increase Your Gas Mileage?</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/17-things-car-salesmen-dont-want-you-to-know">17 Things Car Salesmen Don&#039;t Want You to Know</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/remove-car-dents-quickly-and-cheaply">Remove Car Dents Quickly and Cheaply</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/bookmark-this-save-money-with-an-easy-to-follow-car-maintenance-checklist">Bookmark This: Save Money With an Easy to Follow Car Maintenance Checklist</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips car features Thu, 16 Nov 2017 09:30:10 +0000 Amy Lu 2054952 at http://www.wisebread.com Cutting Your Car Payment Is Easier Than You Think http://www.wisebread.com/cutting-your-car-payment-is-easier-than-you-think <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/cutting-your-car-payment-is-easier-than-you-think" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businesswoman_a_toy_car_and_a_stack_of_coins.jpg" alt="Businesswoman a toy car and a stack of coins" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Buying a car can be one of the most expensive purchases you'll ever make. Because most people don't have enough cash saved to buy a new vehicle, they often turn to auto loans to finance the purchase. But, the interest rates and monthly payments on a car loan can eat up a lot of your budget. In fact, Experian reported the national average payment for a new-car loan is $509.</p> <p>If you have not-so-great credit, that payment can be even higher. And, you'll pay hundreds or even thousands more in interest.</p> <p>However, you don't have to remain stuck with a bad loan. There's a way to reduce payments and save money on a car loan: refinancing. Best of all, it only takes about 10 minutes. (See also: <a href="http://www.wisebread.com/6-smart-auto-finance-options?ref=seealso" target="_blank">6 Smart Auto Finance Options</a>)</p> <h2>What is car loan refinancing?</h2> <p>When you purchased your car, you took out a loan through the dealership or bank for the amount you paid. At that time, you agreed on the loan amount, interest rate, repayment term, and monthly payment.</p> <p>By refinancing, you change all of those terms. When you refinance a car loan, you apply for a new loan with a bank or credit union. Depending on your credit, you could get a new loan with a lower interest rate or smaller monthly payments.</p> <p>Refinancing makes sense when you are struggling to keep up with your payments. By taking out a new loan with a longer repayment term, you can dramatically reduce your monthly bill. You'll pay more in interest over time, but extending the loan's payment period can give you necessary breathing room in your budget.</p> <p>Or, if your goal is to become as debt-free as possible, refinancing can also help you save money and pay off debt sooner. With a lower rate, more of your payments go toward the principal rather than interest.</p> <h2>How much you can save</h2> <p>The average interest rate for a used car loan is 8.88 percent, according to Experian. However, if you have bad credit, rates have been reported as high as 29.99 percent.</p> <p>When you need a car <em>right now</em>, such as when you need transportation for a new job, you might not give much thought to the interest rate. But that high rate can cost you.</p> <p>Let's say you have poor credit and you buy a used car with a $10,000, 72-month loan at 15 percent interest. Your monthly payment would be $211. However, that high interest rate would cause you to pay back $15,224 in total &mdash; more than $5,000 over what you originally borrowed.</p> <p>If you improved your credit and were approved for a refinance at just 8 percent interest, the savings would be significant. If you kept a 72-month term, your monthly payments would be reduced to $175 a month. But, even better, you'd pay back just $12,624 over the length of your repayment. Refinancing your loan would save you $2,600.</p> <h2>How to refinance your auto loan</h2> <p>If you're interested in refinancing, it's a simple process. Many banks and credit unions offer refinancing options for car loans. And, many allow you to get an estimate and apply for a loan online in just a few minutes. Some banks also allow you to get a rate quote with just a soft credit pull, so your credit score is not affected. (See also: <a href="http://www.wisebread.com/how-credit-inquiries-affect-your-credit-score?ref=seealso" target="_blank">How Credit Inquiries Affect Your Credit Score</a>)</p> <p>Each bank has its own eligibility requirements, but in general, lenders require your car to be relatively new. Many will only work with you if your car is less than 10 years old. There's usually a minimum amount you can refinance, so if you only owe a few thousand dollars on your car loan, it might not be the right option for you.</p> <p>Most lenders also require you to be current on your payments. If you're behind, you'll have to get back on track before you are able to refinance.</p> <h2>Compare offers, too</h2> <p>If you got stuck with a high-interest loan due to poor credit earlier on, refinancing your car loan can be a smart way to save money, cut your payments, or pay off your debt faster. Make sure to compare offers from multiple banks or credit unions to get the best possible loan terms.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fcutting-your-car-payment-is-easier-than-you-think&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FCutting%2520Your%2520Car%2520Payment%2520Is%2520Easier%2520Than%2520You%2520Think.jpg&amp;description=Cutting%20Your%20Car%20Payment%20Is%20Easier%20Than%20You%20Think"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Cutting%20Your%20Car%20Payment%20Is%20Easier%20Than%20You%20Think.jpg" alt="Cutting Your Car Payment Is Easier Than You Think" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/cutting-your-car-payment-is-easier-than-you-think">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/could-you-put-away-a-million-dollars-by-driving-a-used-car">Could You Put Away a Million Dollars by Driving a Used 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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-you-buy-a-car-with-a-credit-card">Should You Buy a Car With a Credit 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/buying-a-rental-car-heres-what-you-need-to-know">Buying a Rental Car? Here&#039;s What You Need to Know</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/should-you-hire-a-broker-to-buy-a-car">Should You Hire a Broker to Buy a Car?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation auto loans buying a car car loans car payments interest rates refinancing saving money vehicles Fri, 03 Nov 2017 08:30:10 +0000 Kat Tretina 2045996 at http://www.wisebread.com How to Get the Most Out of Airport Lounge Access http://www.wisebread.com/how-to-get-the-most-out-of-airport-lounge-access <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-the-most-out-of-airport-lounge-access" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/waiting_for_the_flight_0.jpg" alt="Waiting for the flight" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I once averted my eyes when passing an airport lounge, and even stooped to literally lurking outside its walls to borrow the Wi-Fi signal emanating from within. But nowadays, there are a number of ways for us less-than-elite travelers to get through those doors. With a membership to Priority Pass, which gets me into more than 1,000 lounges worldwide, and a <a href="http://www.wisebread.com/the-5-best-premium-credit-cards?ref=internal" target="_blank">high-end credit card</a> that gets me into others, I have the option to stop by an airport lounge almost every time I fly. Other travelers can get in by buying a day pass. Since these lounges typically offer free Wi-Fi, a calm atmosphere, comfy seats, and also free alcoholic beverages, coffee, and buffets, lounge access can totally change a day of flying for the better. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=seealso" target="_blank">5 Best Credit Cards with Airport Lounge Access</a>)</p> <p>What I learned from this experience is that lounge life isn't as simple as showing up and preparing to be pampered. You have to keep a thing or two in mind to make the most of your lounge access.</p> <h2>1. Bring the right credentials</h2> <p>Some lounges require that you bring the credit card that qualifies you <em>plus </em>an ID, while others, like Priority Pass, will want to see your membership card. (Most lounges will also accept the digital version of the card on your phone.) You usually also need to show your boarding pass.</p> <p>Even with the right credentials, note that not all lounge access programs get you in free. Some, like the basic Priority Pass membership, simply affords you the opportunity to enter participating lounges for a fee. Others simply offer a discount.</p> <h2>2. Know who you can bring in</h2> <p>The first time I flew with my fancy-schmancy credit card, I was excited to see that the company had just opened a new lounge at my airport. I was less excited when I found out that I could only bring in two guests, which was awkward since I was traveling with my three children. It wasn't exactly <em>Sophie's Choice</em>, but there was some bitterness afterward from my teen, who was left at a cafe outside the lounge for about half an hour while the rest of us checked the place out and stuffed our faces with fresh-baked cookies.</p> <p>Since the lounge I visited was operated by a credit card I held, the staff were able to tell me exactly how many people I was allowed to bring in. But beware: Both individual lounges and lounge membership programs vary on how many guests are allowed, and the staff at the lounge may not know the details of your plan. What this means is that if you show up with a guest and your Priority Pass card, for example, you'll both be admitted, but your credit card might be billed an entrance fee for the guest later.</p> <p>How can you avoid unexpected charges? Log into your membership account or check your credit card terms before you visit so you know exactly how many guests you can bring, and at what, if any, cost. Lounge rules also vary on kids, with some banning them and others allowing kids under a certain age free entry. (See also: <a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had?ref=seealso" target="_blank">12 Travel Perks You Didn't Know Your Credit Card Had</a>)</p> <h2>3. Know where the lounge is located in the airport</h2> <p>Airports are big places, and sometimes sheer distance could keep you from enjoying the lounge. Last time I flew out of San Francisco Airport, I had access to the Air France/KLM lounge, but I couldn't visit it because that lounge is in the international terminal and I was flying domestic. There is a secure passageway between the international and domestic terminals, but I didn't arrive early enough to cover all that ground. Another time, I wanted to visit a particular lounge on a layover, but the lounge and our gate were separated by a nonsecure area, meaning that we would have to pass through security in order to get back to our gate. With only an hour layover, that was a chance I couldn't take.</p> <p>Find out where the lounge is in advance by checking the airport website or your lounge program site or app. (See also: <a href="http://www.wisebread.com/15-airport-hacks-from-professional-travelers?ref=seealso" target="_blank">15 Airport Hacks From Professional Travelers</a>)</p> <h2>4. Budget your time accordingly</h2> <p>Of course, even if the lounge is far from your gate, you should be able to take advantage of it if you budget enough time. You should also factor in activities that are available in the lounge, into your time budget. While a lot of lounges' main offerings are food, drink, workspaces, and Wi-Fi, some have showers, sleep suites, spa services, and even entertainment such as pool tables or a putting green. One good resource for figuring out the amenities your lounge has is <a href="https://www.loungebuddy.com" target="_blank">LoungeBuddy</a>, which has a website and mobile app full of lounge info.</p> <p>Some lounges also impose time limits, so keep that in mind before arriving at the airport <em>too</em> many hours early or booking a flight with a 12-hour layover. If you belong to multiple programs or even just one great one, you might qualify to enter several lounges in one airport; airline perks geeks like me will want to schedule enough downtime to check them <em>all</em> out, if possible. (See also: <a href="http://www.wisebread.com/5-smart-travel-hacks-only-frequent-flyers-know?ref=seealso" target="_blank">5 Smart Travel Hacks Only Frequent Flyers Know</a>)</p> <h2>5. Be prepared hunger-wise</h2> <p>Travelers love sharing photos of airport lounge food. From Facebook, I know that some lounges leave tired travelers hungry, while others provide meals so good that first class passengers end up skipping the gourmet meals onboard.</p> <p>Check LoungeBuddy or other online reviews before you go to figure out if you should expect a full meal from your lounge or just a snack.</p> <h2>6. Understand that some lounges are actually restaurants</h2> <p>This confused me at first, but my credit card app lists some locations as lounges that look like ordinary restaurants or bars. Here's the deal: Some lounge programs have partnered with eateries to provide members with a credit toward food and drink &mdash; effectively converting the restaurant into a lounge. For instance, Priority Pass members can get <a href="https://www.ausbt.com.au/priority-pass-now-offers-36-of-food-drink-at-sydney-airport" target="_blank">$28 worth of free food</a> and drink from seven different establishments in the Sydney airport.</p> <h2>7. Know the rules</h2> <p>Some lounges post dress codes; <a href="http://www.executivelounges.com/blog/post/09/2015/our-dress-code" target="_blank">Swissport Executive Lounges</a>, for example, bans tracksuits and baseball caps. Other common rules include no outside food and drink, no sleeping in the seats, and no smoking. You might be allowed to bring your pet in &mdash; but your pup or cat <a href="https://www.delta.com/content/www/en_US/traveling-with-us/airports-and-aircraft/delta-sky-club/house-rules.html" target="_blank">probably won't be allowed to sit in a chair</a>.</p> <h2>8. Realize that not everything is free</h2> <p>In the first lounge I ever visited, there was a price list behind the bar. At first I thought this meant I had to pay for any cocktail, so I got out my card when ordering a bloody mary. However, the bartender kindly explained that only the premium liquors cost money in this particular lounge; if I ordered my drink with a well liquor, it would be free.</p> <h2>9. Bring tips, just in case</h2> <p>Naturally, I wanted to tip the bartender who had clued me in on how the bar worked, but embarrassingly, I had to borrow two dollars from my little daughter to do so. Next time, I'll bring small bills for tipping the bartender. Some lounges have self-service bars, eliminating the issue.</p> <p>Same goes for food. If there is only a buffet, you won't need tipping money, but if there's table service, you'll want to tip, especially if you're in the United States. Spa treatments are another service with tipping potential. Look up these details online in advance, and you'll know how much tipping money to bring, if any. (See also: <a href="http://www.wisebread.com/bookmark-this-how-much-to-tip-in-almost-every-situation?ref=seealso" target="_blank">Bookmark This: How Much to Tip in Almost Every Situation</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-get-the-most-out-of-airport-lounge-access&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Get%2520the%2520Most%2520Out%2520of%2520Airport%2520Lounge%2520Access.jpg&amp;description=How%20to%20Get%20the%20Most%20Out%20of%20Airport%20Lounge%20Access"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Get%20the%20Most%20Out%20of%20Airport%20Lounge%20Access.jpg" alt="How to Get the Most Out of Airport Lounge Access" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/how-to-get-the-most-out-of-airport-lounge-access">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-things-you-should-always-carry-on-an-economy-flight">9 Things You Should Always Carry on an Economy Flight</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/3-flexible-ways-to-cash-in-your-miles-and-points">3 Flexible Ways to Cash In Your Miles and Points</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/9-ways-to-protect-your-luggage-on-your-next-trip">9 Ways to Protect Your Luggage on Your Next Trip</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/25-secrets-from-the-worlds-most-frugal-frequent-travelers">25 Secrets From the World&#039;s Most Frugal Frequent Travelers</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/save-big-with-a-dream-wedding-overseas">Save Big With a Dream Wedding Overseas</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Travel airport airport lounge airport lounge access free lounge access travel tips Wed, 25 Oct 2017 08:30:11 +0000 Carrie Kirby 2041942 at http://www.wisebread.com Bookmark This: Save Money With an Easy to Follow Car Maintenance Checklist http://www.wisebread.com/bookmark-this-save-money-with-an-easy-to-follow-car-maintenance-checklist <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/bookmark-this-save-money-with-an-easy-to-follow-car-maintenance-checklist" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_car_mechanic_578100924.jpg" alt="Man saving money with car maintenance checklist" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When I was in college, I had a big problem with car maintenance &mdash; mainly, I didn't do much of it. As a result, I burned through cars like there were plenty more coming off the assembly line with my name on it. That wasn't the case, of course, which meant that I had to hit up my parents and grandparents regularly for money to resolve my automotive neglect. When I bought my first new vehicle with my own hard-earned money a couple years after graduation, however, you can bet I took care of that baby. But while I was keen to take it in for regular oil changes, I still wasn't exactly sure of the timeline for other issues.</p> <p>If you're not 100 percent clear on when your car needs a checkup or lights replaced, this checklist if for you. Memorize it, bookmark it, and keep it handy. Staying ahead of your car's issues will save you a ton of money over its lifetime. (See also: <a href="http://www.wisebread.com/do-these-5-car-maintenance-tasks-and-keep-your-car-on-the-road-forever?ref=seealso" target="_blank">Do These 5 Car Maintenance Tasks and Keep Your Car on the Road Forever</a>)</p> <h2>Changing your oil</h2> <p>You probably have it in your head that your car needs its oil changed every three months or 3,000 miles &mdash; whichever comes first. That used to be standard practice back in the day, but most cars can go at least 5,000 to 7,500 miles before having to pull into a Jiffy Lube. You can drive even longer if you have a modern car that runs on synthetic oil, which requires an oil change every 10,000 miles. The cost of the synthetic oil change is a bit more than a regular oil change on the front end, but it'll conserve cash on the back end because your vehicle doesn't require the change as often. Consult your owner's manual to find out the type of motor oil your vehicle requires.</p> <p>You also can usually find coupons for oil changes in your junk mail, by the way. If it's about time to take your car in, keep an eye out or search your favorite oil change provider's website for promotions.</p> <h2>Changing your battery</h2> <p>As a preventive measure, you should replace your car's battery every three to four years. This is an area where it's better to be ahead of the game so you're not stuck in a mall parking lot with a dead-as-a-doornail battery because you sucked every last bit of juice out of it. Having AAA or another on-demand car maintenance service will help you get out of that bind &mdash; they'll come to you wherever you're broke down &mdash; but you'll pay more for the replacement battery, plus service, than if you proactively replaced it with a battery from a discount big-box store that carries automotive batteries, like Sears or Walmart.</p> <p>If you're careful enough, you can avoid the service fee altogether by changing the battery yourself.</p> <p>&quot;When you're ready to tackle this task, you can replace the battery at home with a wrench kit, being sure to remove the black negative cable <em>first </em>when taking out the old battery and replacing the negative cable <em>last </em>once you have installed the new battery,&quot; says Richard Reina, auto expert and product training director at CARiD.com. &quot;Be careful when switching cables as a mistake could lead to a short circuit.&quot;</p> <p>Also, it's wise to carry jumper cables in your car. Most of the time, your battery will at least get enough charge from the battery of a helpful driver to get you to a safe place. From there, you can have your car towed to the mechanic the next day if needed, or straight to the mechanic if your battery dies during normal business hours. (See also: <a href="http://www.wisebread.com/8-easy-diy-car-repairs-to-save-big?ref=seealso" target="_blank">8 Easy DIY Car Repairs to Save Big</a>)</p> <h2>Changing your brake pads</h2> <p>It's best to check your brake pad thickness every 10,000 miles, but look out for excess wear and tear that will depend on external factors, such as frequent use and driving style.</p> <p>&quot;Your pads should never drop below 2 to 3 mm in thickness,&quot; Reina says. &quot;DIY brake pad maintenance is simple and quick, requiring only a [lug nut] wrench, some [other] basic wrenches, pliers, a jack, and a set of jack stands.&quot;</p> <p>Personally, I'm not confident enough to start poking around the brakes. If you feel similarly, it's best to take this issue to the professionals.</p> <h2>Changing transmission fluid</h2> <p>Most of us know about the importance of regular oil changes, but what about transmission fluid? People seem to underestimate &mdash; or are completely unaware of &mdash; the importance of changing transmission fluid. Changing transmission fluid allows your car to operate more smoothly and helps it to last longer. Change your transmission fluid every 30,000 miles, or once every two years.</p> <h2>Checking tire pressure</h2> <p>Tire pressure is the unsung hero of car maintenance. It's inexpensive yet incredibly valuable. It helps improve gas mileage and it's integral to maximizing the life of your tires.</p> <p>&quot;Tire pressure can fluctuate with the temperature, so it's smart to carry around a pressure gauge in your vehicle just in case,&quot; says Joshua Lombardo-Bottema, CEO of GoWrench Auto, a mobile mechanic service. &quot;Remember, your tire's ideal pressure is written in the owner's manual, not the tire wall. The number written on the side of the tire describes that particular tire's maximum pressure, which may not be ideal.&quot;</p> <p>A good rule of thumb, according to one of Los Angeles' top mechanics Charbel Radi of Full Service Automotive in Hollywood, is to check your tire pressure with the change of seasons.</p> <h2>Keeping your coolant topped off</h2> <p>I was the king of overheating my jalopies when I didn't know any better. Smoke everywhere while I'm on the phone with my dad telling him I did it <em>again</em>. I usually didn't have any water in the car with me, so one time he told me to pee on the radiator to cool it down, but I prefer this advice from Bridgestone.</p> <p>&quot;Just as motor oil has vital engine performance additives, coolant has additives that prevent boiling, freezing, and corrosion,&quot; explains Jamie Bullis, lead technician at Firestone Complete Auto Care in Minnetonka, Minn. &quot;When these additives are depleted, contaminants and debris can begin to build up on your vehicle's radiator, affecting its performance. Basically, coolant fluid is a warm blanket in the winter and a misting fan in the summer. Radiator repair and maintenance is essential to the health of your engine and your vehicle.&quot;</p> <h2>Getting a basic auto tuneup</h2> <p>The traditional timeline of an annual tuneup is not always necessary with modern vehicles since they're programmed with electronic controls that will notify drivers when maintenance is necessary. If you have an older car, it may be in your best interest to follow the once-a-year rule, but don't let the mechanic take you for a &quot;ride.&quot;</p> <p>&quot;Some professionals will try to push service beyond what is recommended by the manufacturer, which should be an immediate red flag,&quot; says Reina. &quot;Instead of focusing on a yearly tuneup, base this schedule on mileage and your manufacturer's suggestions. For example, modern spark plugs should last about 100,000 miles on average.&quot;</p> <p>Lombardo-Bottema adds, &quot;Getting a regular tuneup means that you catch minor problems before they become major ones, which can make a huge difference in your wallet. I would suggest a tuneup every 30,000 to 40,000 miles for optimum results.&quot; (See also: <a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you?ref=seealso" target="_blank">8 Common Car Repair Mistakes That Can Cost You</a>)</p> <h2>Cleaning the fuel system</h2> <p>The Car Coach, Lauren Fix, who provides up-to-the-minute automotive information and car and product reviews on her website, says you can save hundreds of dollars by cleaning your fuel system.</p> <p>&quot;It can restore and improve fuel economy, increase horsepower, reduce deposit-related engine knocking and pinging, and it's a superior corrosion and oxidation inhibitor. A fuel system cleaner and stabilizer for all gasoline and diesel vehicles will save you money and time at the mechanic.&quot;</p> <p>This doesn't take much effort, either. Just add a premium formula fuel system cleaner to your gas tank, according to the directions.</p> <h2>Checking the rubber parts</h2> <p>We worry about the major parts of our vehicles when it comes to maintenance, but there are dozens of little things that need TLC, too.</p> <p>&quot;Damaged wiper blades, tires, hoses, and belts can both leave you on the side of the road and with a large maintenance bill,&quot; Fix warns. &quot;Windshield wiper blades should be replaced every six months. In winter, use a beam wiper blade or winter blades.&quot;</p> <p>This is especially important considering that 80 percent of your driving decisions are based on visibility. If your wiper blades crap out during a heavy rain or snowstorm, the only safe choice is to pull over to the side of the road and wait it out. (See also: <a href="http://www.wisebread.com/9-car-parts-that-are-safe-to-buy-used?ref=seealso" target="_blank">9 Car Parts That Are Safe to Buy Used</a>)</p> <h2>Replacing headlights</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/1Ofx1mGgqLM" frameborder="0" allowfullscreen=""></iframe></p> <p>Headlights are an often-overlooked safety component, but they're the first line of defense to avoid the hazards associated with nighttime driving. In fact, a survey conducted by Sylvania Automotive found that more than one third (34 percent) of drivers have never changed their headlights, although the majority of respondents (83 percent) agree that better down-road performing headlights are definitely connected to increased vehicle safety. Every second counts when reacting to a situation on the road &mdash; the farther down the road the driver can see the obstacle or oncoming vehicle, the quicker the ability to react. Check out these<a href="https://www.youtube.com/watch?v=1Ofx1mGgqLM" target="_blank"> video tips on headlight maintenance</a> from Sylvania to keep you and your family safe when driving at night.</p> <h2>Get your car winterized</h2> <p>There are several pre-emptive measures you can take to best prepare your car for the harsh conditions of winter. For instance, you want to ensure that your battery and connections are in good condition, defrosters are in working order, tires are properly inflated (underinflated tires can mean disaster on icy roads), and that you carry a survival kit in your vehicle in case you're stuck in snow or ice without immediate rescue. Bullis adds, &quot;When driving in snow and ice, you may use a lot of washer fluid in an effort to keep your windshield clean. In order to properly winterize your car, maintain a nearly full washer fluid reservoir and consider keeping a spare bottle or two in the trunk.&quot;</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fbookmark-this-save-money-with-an-easy-to-follow-car-maintenance-checklist&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FBookmark%2520This-%2520Save%2520Money%2520With%2520an%2520Easy%2520to%2520Follow%2520Car%2520Maintenance%2520Checklist.jpg&amp;description=Bookmark%20This%3A%20Save%20Money%20With%20an%20Easy%20to%20Follow%20Car%20Maintenance%20Checklist"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Bookmark%20This-%20Save%20Money%20With%20an%20Easy%20to%20Follow%20Car%20Maintenance%20Checklist.jpg" alt="Bookmark This: Save Money With an Easy to Follow Car Maintenance Checklist" width="250" height="374" /></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/bookmark-this-save-money-with-an-easy-to-follow-car-maintenance-checklist">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/12-cheap-ways-to-make-your-car-look-awesome">12 Cheap Ways to Make Your Car Look Awesome</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/five-reasons-why-i-love-public-transportation">Five Reasons Why I Love Public Transportation</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/how-to-tell-if-a-car-service-plan-is-worth-it">How to Tell If a Car Service Plan Is 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/save-more-gas-by-safely-following-trucks">Save More Gas by Safely Following Trucks</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/do-these-5-car-maintenance-tasks-and-keep-your-car-on-the-road-forever">Do These 5 Car Maintenance Tasks and Keep Your Car on the Road Forever</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Cars and Transportation bookmark this car maintenance car repair Cars changing oil flat tire tuneup Tue, 29 Aug 2017 08:30:08 +0000 Mikey Rox 2011518 at http://www.wisebread.com The 5 Best Electric Bicycles http://www.wisebread.com/the-5-best-electric-bicycles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-electric-bicycles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_electric_bicycle_517640743.jpg" alt="Man riding electric bicycle " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>An electric bicycle can provide the perfect hassle-free commute for urban dwellers. The alternative form of transportation can save you money on parking, gas, and car maintenance. It can also help you quickly navigate through traffic, cut down on your commute time, and reduce your impact on the environment. Best of all, in most states, you don&rsquo;t even need a license or registration for your new e-bike.</p> <h2>What is an electric bicycle?</h2> <p>An electric bicycle has pedals and an electric motor, so it looks like a bike but rides like a motorcycle. The rider can usually choose to manually pedal the bike or use the electric power of a battery and motor.</p> <p>An electric bike puts much less stress on the knees and joints, so they are less tiresome to ride than a traditional bicycle. Pedal-assist can help you go further with less effort by assisting when you are climbing up hills and reducing how much you need to pedal.</p> <h2>Top 5 electric bicycles</h2> <h3>Ancheer Power Plus Electric Mountain Bike</h3> <p><a href="http://amzn.to/2uhAEkj"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ancheer.jpg" width="245" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in adult electric bicycles, the <a href="http://amzn.to/2uhAEkj" target="_blank">Ancheer Power Plus Electric Mountain Bike</a> has a lightweight, ergonomic design that allows for easy travel and storage. It has a power display, carbon steel comfort shock absorption, anti-slip wear-resistant tires, high-efficiency front and rear disc brakes, adjustable seat, bright headlight, horn, three-speed smart meter button, and high-carbon aluminum alloy frame. It has two modes: e-bike and assisted, so you can enjoy pedal-assist for easier cycling. The quiet, antiskid high-speed brushless gear motor can go up to 30 miles at more than 15 mph.</p> <p>It includes a removable environmentally friendly lithium ion battery for low carbon travel, a smart lithium battery charger, and easy charge port system for easy charging in four to six hours. It also includes a tool kit and assembly instruction video, or you can choose the free assembly service. This is one of the &ldquo;most wished for&rdquo; items on Amazon and is frequently recommended online.</p> <p><a href="http://amzn.to/2uhAEkj" target="_blank"><em>Currently $615.99 on Amazon</em></a></p> <h3>Cyclamatic CX2 Bicycle Electric Foldaway Bike</h3> <p><a href="http://amzn.to/2uWpYtg" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cyclamatic.jpg" width="245" height="201" align="right" alt="" /></a>The convenient <a href="http://amzn.to/2uWpYtg" target="_blank">Cyclamatic CX2 Bicycle Electric Foldaway Bike</a> quickly folds in half for easy storage and transport thanks to a unique quick-lock-release system and quick-release front wheel. It features six-speed Shimano gears and front and rear electric lights. The powerful 250-Watt brushless motor is low maintenance and can go a max distance of 31 miles at a max speed of 15 mph. The upgraded quick-release lithium ion battery offers a full recharge in four to six hours.</p> <p>You can use this as a normal bike or with the &quot;partial electric assist&quot; mode to get you further with less effort. It is also safe to ride in the rain thanks to front and rear mud guards. It is ideal for anyone who doesn&rsquo;t have a lot of space to devote to a new bike. It is an Amazon best-seller and has outstanding reviews online.</p> <p><a href="http://amzn.to/2uWpYtg" target="_blank"><em>Currently $549.99 on Amazon</em></a></p> <h3>Watseka XP Cargo-Electric Bicycle</h3> <p><a href="http://amzn.to/2uhbFh9" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/watseka.jpg" width="245" height="165" align="right" alt="" /></a>The <a href="http://amzn.to/2uhbFh9" target="_blank">Watseka XP Cargo-Electric Bicycle</a> offers both selectable pedal assist and a twist throttle for greater rider flexibility. It reaches speeds up to 14 mph and travel distance up to 18 miles. It has plenty of power thanks to a 250-Watt brushless rear drive motor with a 36V 9Ah removable AGM battery pack for long lasting battery life. It also has impressive features like a step through/low step frame design, easy shift six-speed Shimano gear set, telescopic front-fork suspension, seat springs, adjustable seat and handlebar height, and easy tilt seat design for quick battery removal.</p> <p>The commuter bicycle offers the ultimate in convenience thanks to a front basket and rear cargo rack. It also includes a charger, front light, rear light, horn, bell, and two ignition keys. It is available in two colors and only requires minor assembly. It comes from the trusted Watseka brand and is recommended by Heavy.com.</p> <p><a href="http://amzn.to/2uhbFh9" target="_blank"><em>Currently $499.99 on Amazon</em></a></p> <h3>SWAGTRON SwagCycle E-Bike</h3> <p><a href="http://amzn.to/2uWgGxx" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/swagtron.jpg" width="207" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2uWgGxx" target="_blank">SWAGTRON SwagCycle E-Bike</a> offers a pedal-free design that feels like a bicycle but rides like a moped. The lightweight folding e-scooter features a durable aerospace-grade aluminum frame, bright headlight, brake light and reflector, horn, and micro USB charging port. It can go 15 mph and has a 10-mile range. It uses a high-capacity 36V lithium ion battery and a 250-Watt motor that recharges in as little as two and a half hours. With the handlebar display, you can accelerate, brake, check battery life, turn on the headlight, and honk the horn. The collapsible front stem allows you to easily store and transport the bike.</p> <p>This has zero emissions and is eco-friendly. It is available in black or white, and includes a charging adapter. It is an Amazon best-seller and one of the &ldquo;most wished for&rdquo; items on Amazon. It is also covered by a one-year limited warranty.</p> <p><a href="http://amzn.to/2uWgGxx" target="_blank"><em>Currently $399.99 on Amazon</em></a></p> <h3>Cyclamatic Power Plus CX1 Electric Mountain Bike</h3> <p><a href="http://amzn.to/2w3wxdH" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cx1.jpg" width="245" height="165" align="right" alt="" /></a>The <a href="http://amzn.to/2w3wxdH" target="_blank">Cyclamatic Power Plus CX1 Electric Mountain Bike</a> features a premium mountain bike frame design with the convenience of three pedal assist modes. It is easy to use thanks to a quick-shift 21-speed Shimano gear system, quick release front wheel, and Kenda Tyres. The upgraded model also has a 250-Watt brushless motor and upgraded lithium-ion battery for a smoother ride. The comfortable bike can reach speeds of up to 15 mph, with a range of 25-31 miles per four- to six-hour charge.</p> <p>The popular e-bike is suitable to ride in most terrains and can be safely used in the rain. It has minimal assembly and comes with free optional professional bike assembly and basic fit. It also comes from the trusted Cyclamatic brand and is recommended by Heavy.com.</p> <p><a href="http://amzn.to/2w3wxdH" target="_blank"><em>Currently $549.99 on Amazon</em></a></p> <p>And those are our recommendations for the best electric bicycles. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-electric-bicycles&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Electric%2520Bicycles.jpg&amp;description=The%205%20Best%20Electric%20Bicycles"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Electric%20Bicycles.jpg" alt="The 5 Best Electric Bicycles" width="250" height="374" /></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-5-best-electric-bicycles">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/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</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-5-best-bicycle-lights">The 5 Best Bicycle Lights</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-mountain-bikes">The 5 Best Mountain Bikes</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-swim-goggles-for-adults">The 5 Best Swim Goggles for Adults</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-robotic-mops">The 5 Best Robotic Mops</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping 5 best bikes e-bike electric bicycle product reviews shopping transportation Wed, 02 Aug 2017 08:00:08 +0000 Andrea Cannon 1974060 at http://www.wisebread.com Best Money Tips: Practical Driving Tips That Save Gas — And Money http://www.wisebread.com/best-money-tips-practical-driving-tips-that-save-gas-and-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-practical-driving-tips-that-save-gas-and-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_driving_car_512161202.jpg" alt="Woman using driving tips to save gas and money" 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 articles on practical driving tips that help you save on gas, summer essentials that are good for your body and your budget, and sneaky ways to get paid for exercising.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.dumblittleman.com/fuel-efficient-driving-tips/">3 Practical Driving Tips To Save You Money On Gas</a> &mdash; When you reach the top of a hill, use the downhill slope to gain speed without using any gas. [Dumb Little Man]</p> <p><a href="http://shebudgets.com/lifestyle/summer-essentials-designed-to-save-your-life-and-your-budget/67796">Summer Essentials Designed to Save Your Life and Your Budget</a> &mdash; Your lips are part of your skin and need to be protected, too. Use lip balm with SPF when you'll be out in the sun, and carry some with you so you can reapply throughout the day. [SheBudget]</p> <p><a href="https://www.thepennyhoarder.com/jobs-making-money/ways-to-get-paid-to-exercise/">16 Sneaky Ways to Get Paid While You Get in Shape</a> &mdash; Become a walking tour guide and share your town's history and nature. You'll get good exercise in and be paid for it! [The Penny Hoarder]</p> <p><a href="https://www.popsugar.com/smart-living/How-Travel-Without-Hurting-Environment-43715397">Here's How to Travel in Ways That Don't Trash the Planet</a> &mdash;Embrace the bicycle, especially if you're visiting a city. Odds are, they'll have a bike share so you don't even have to bring your own. [PopSugar Smart Living]</p> <p><a href="http://everythingfinanceblog.com/20818/pay-your-bills-ahead-schedule.html">6 Reasons You Should Pay Your Bills Ahead of Schedule</a> &mdash; Paying your bills early will give you more time to fix any mistakes that may crop up. [Everything Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.bestkeptself.com/six-tips-slaying-self-doubt/">Six Tips For Slaying Self-Doubt</a> &mdash; One of the easiest ways to build your confidence is to set a small goal &mdash; and hit it! [Best Kept Self]</p> <p><a href="https://lifehacks.io/start-talking-to-strangers-with-ease/">7 Simple Hacks To Start Talking to Strangers with Ease</a> &mdash; A surefire way to start a conversation with a stranger is to say hello with a big smile. [Life Hacks]</p> <p><a href="http://productivitytheory.com/5-ways-not-let-peoples-stress-wear/">5 Ways Not to Let Other People&rsquo;s Stress Wear You Down</a> &mdash; When you feel yourself experiencing secondhand stress, it's okay to end the (often one-sided) conversation. [Productivity Theory]</p> <p><a href="http://www.positivityblog.com/improve-mood-right-now/">How to Improve Your Mood Right Now: 3 Simple Habits</a> &mdash; Sometimes you don't feel positive or enthusiastic, but you can act as if you are and have the emotions follow. [The Positivity Blog]</p> <p><a href="https://www.csmonitor.com/Business/2017/0713/Male-nurses-Female-firefighters-Yes-as-career-boundaries-erode">Male nurses? Female firefighters? Yes, as career boundaries erode.</a> &mdash; More women are entering traditionally male-dominated fields, and vice versa. [The Christian Science Monitor]</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-practical-driving-tips-that-save-gas-and-money">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-things-you-should-always-carry-on-an-economy-flight">9 Things You Should Always Carry on an Economy Flight</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/can-acetone-dramatically-increase-your-gas-mileage">Can Acetone Dramatically Increase Your Gas Mileage?</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/17-things-car-salesmen-dont-want-you-to-know">17 Things Car Salesmen Don&#039;t Want You to Know</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/remove-car-dents-quickly-and-cheaply">Remove Car Dents Quickly and Cheaply</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/bookmark-this-save-money-with-an-easy-to-follow-car-maintenance-checklist">Bookmark This: Save Money With an Easy to Follow Car Maintenance Checklist</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips save gas Mon, 17 Jul 2017 08:30:10 +0000 Amy Lu 1984727 at http://www.wisebread.com 6 Reasons You Should Buy the Rental Car Insurance http://www.wisebread.com/6-reasons-you-should-buy-the-rental-car-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-reasons-you-should-buy-the-rental-car-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/loss_adjuster_inspecting_car_involved_In_accident.jpg" alt="Loss Adjuster Inspecting Car Involved In Accident" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Erika Plank Hagan knows all too well the value of buying rental car insurance. In July 2013, Hagan and her family drove from Connecticut to Ohio in a rental car to attend her brother's wedding. While they were on the road, Hagan's eldest son, who has special needs, got bored in the back seat and decided to wrap the middle shoulder harness belt around his neck &mdash; when it suddenly locked.</p> <p>They happened to be driving through a construction zone at the time, meaning there was no place for them to pull over. Hagan's husband was driving, so she leapt into the back seat and wedged two fingers between the seat belt and her son's neck, and they drove that way until they were able to pull over. The belt would not unlock, and so the Hagans had to cut their son out of the shoulder harness. Thankfully, he was shaken, but unharmed.</p> <p>This terrifying story has Hagan almost believing in premonitions, however. Her husband just happened to pack a pair of scissors, which he normally wouldn't do because he was so used to traveling by air. In addition, though the Hagans do not usually buy car rental insurance, they happened to agree to the rental insurance for this trip, meaning they did not have to pay for the cut shoulder harness.</p> <p>This is the story that also got me to question my own belief that rental car insurance is an unnecessary add-on that car rental companies use to upsell their customers. While few drivers will experience a scenario like the one Hagan and her family went through, it is important to recognize that there are definitely good reasons to sign up for the rental car insurance.</p> <h2>1. You will have to pay your auto insurance deductible</h2> <p>Relying on your own personal insurance can be more costly than signing up for the rental car insurance because of your deductible. Depending on what you have set as your deductible, you might find yourself staring down a bill as high as $1,000 after an accident in a rental car. The daily cost of rental insurance will surely be less expensive than your deductible, and paying that cost can provide you with a great deal of peace of mind.</p> <h2>2. Your auto insurance does not cover &quot;loss of use&quot;</h2> <p>The majority of auto insurance policies will cover your rental car within the limits of your collision and comprehensive coverage. As long as you are prepared to pay your deductible in the event of an accident or other damage to the car, then it can seem as if your personal auto insurance should be enough.</p> <p>Unfortunately, that assumption does not take into account all of the costs of damage to a rental car. In many states, automobile insurance does not cover what's known as &quot;loss of use.&quot; When the rental car is in the shop for repairs, the company is losing the money it would earn from renting that car out. You will be on the hook for that cost if you are relying on your auto insurance to cover damage to a rental car.</p> <h2>3. Rental car insurance might protect you from auto insurance rate hikes</h2> <p>One major downside to relying on your personal auto insurance to cover a claim on a rental car is the fact that your insurance rates will probably go up afterward. However, using the rental car insurance you purchased from the company will not increase your auto insurance premiums in certain cases. According to Hannah Rounds, Consumer Finance Expert at Unplanned Finance, &quot;If you hit a pole while insured by a rental car company, you'll probably escape rate hikes. If you hit another vehicle, you should expect to see your primary auto insurance rates increase.&quot;</p> <p>Here's how it works: National rental car companies sell primary collision damage waivers, which means your rental vehicle is covered at 100 percent. If you purchase the rental car insurance and have an accident, the rental car company won't go after your personal insurance for money, and they normally don't report damage. As a result, your insurance claim remains outside of mainstream reporting, and your rates remain unchanged. However, if there are police involved in your accident, then the incident will be reported to your Motor Vehicle Record, which means you might see your premiums rise even if you don't make a claim with your insurance.</p> <p>Finally, there are multiple types of rental car insurance. Supplemental liability insurance through the rental car agency covers any damage not already covered by your personal auto insurance, meaning that a claim will be made to your insurance and you will likely be seeing a rate hike as a result.</p> <h2>4. Insurance provided by your credit card may not cover enough</h2> <p>Travelers who have both a robust automobile insurance policy and a credit card that offers car rental coverage may believe that they are completely covered in case of a rental car mishap. Unfortunately, credit card coverage is not nearly as comprehensive as you might think. (See also: <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card?ref=seealso" target="_blank">What Does Car Rental Insurance Really Cover On Your Credit Card?</a>)</p> <p>To start, some cardholders may not be aware that they need to use the specific card offering rental car insurance benefits when they rent the car. It's not enough to be a cardholder. You must use the card with rental insurance benefits to rent the car in your own name in order to access the benefits. You must also decline all optional coverage offered by the rental car company.</p> <p>In addition, not every card offers these insurance benefits, so you need to know ahead of time if your card will protect you.</p> <p>Credit card rental insurance also has some pretty specific limitations. For instance, some types of vehicles are excluded from credit card rental insurance coverage, including pickup trucks, some SUVs, and expensive and/or exotic vehicles. The traveler who dreams of exploring the city in a Porsche needs to remember this limitation.</p> <p>Furthermore, many card policies won't cover administrative fees charged by the rental car company, and none will cover diminished value. Diminished value refers to the reduction in a rental car's resale value caused by an accident. If you get into a crash that is serious enough to lower the car's value but not serious enough to total it, you'll be on the hook for that diminished value if you are relying on your credit card for rental insurance coverage.</p> <h2>5. Business travelers may not be covered by personal auto insurance</h2> <p>My father used to fly to Arizona for an annual business conference, and then stay for a few extra days to enjoy the sunshine. That kind of business/pleasure trip can be a land mine for car renters. That's because while their company may cover the insurance for car rental during the business portion of the trip, their personal auto insurance will likely not cover them for the pleasure part of the trip. One workaround for this would be returning the car and then re-renting it once the trip ticks over from business to pleasure &mdash; but you might find that buying the rental car insurance from the start is an easier fix for this problem.</p> <h2>6. International travel is often excluded from personal auto insurance</h2> <p>If you are renting a car outside of the United States, you may or may not be able to count on your personal auto insurance and/or your credit card's rental insurance for coverage. Many auto insurers specifically limit their coverage to driving in the States, and credit cards specifically exclude several countries from their rental insurance benefits.</p> <h2>Better safe than sorry</h2> <p>By its nature, insurance is something you hope you never have to use. The cost of rental car insurance can make it seem like it's financially smarter to skip it and hope for the best. But if you ever do have a problem with a rental car, you'll be glad you bought the insurance and didn't rely on hope to keep you financially fit.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-reasons-you-should-buy-the-rental-car-insurance&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Reasons%2520You%2520Should%2520Buy%2520the%2520Rental%2520Car%2520Insurance.jpg&amp;description=6%20Reasons%20You%20Should%20Buy%20the%20Rental%20Car%20Insurance"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Reasons%20You%20Should%20Buy%20the%20Rental%20Car%20Insurance.jpg" alt="6 Reasons You Should Buy the Rental Car Insurance" width="250" height="374" /></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-reasons-you-should-buy-the-rental-car-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-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/3-things-you-should-know-about-rental-car-insurance">3 Things You Should Know About Rental Car Insurance</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-you-need-to-know-about-filing-an-insurance-claim-after-a-natural-disaster">What You Need to Know About Filing an Insurance Claim After a Natural Disaster</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/heres-how-the-right-rv-and-vehicle-insurance-protects-your-summer-fun">Here&#039;s How the Right RV and Vehicle Insurance Protects Your Summer Fun</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/7-times-you-shouldnt-file-an-insurance-claim">7 Times You Shouldn&#039;t File an Insurance Claim</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/heres-how-a-claim-will-impact-your-car-insurance">Here&#039;s How a Claim Will Impact Your Car Insurance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Insurance accidents auto policies collision damage deductibles international travel loss of use rate hikes rental car insurance waivers Thu, 13 Jul 2017 09:00:10 +0000 Emily Guy Birken 1981389 at http://www.wisebread.com Ask the Readers: What Do You Look For in a Car? http://www.wisebread.com/ask-the-readers-what-do-you-look-for-in-a-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-do-you-look-for-in-a-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_184374908.jpg" alt="Woman looking for specific things in a new car" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to Elena, Emily, and Christie for winning this week's contest!</em></p> <p>When you shop for cars &mdash; or trucks, or motorcycles &mdash; odds are you have an idea of the kind of vehicle you want. And depending on the stage of life you're in, and the kind of lifestyle you lead, there will be certain functions and features that you'll be looking for.</p> <p><strong>What do you look for in a car?</strong> Do you prefer one carmaker over the rest? If you don't currently own a car (or truck, or motorcycle), what forms of transportation do you use instead?</p> <p>Tell us what you look for in a car and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win:</p> <ul> <li>Follow us on Twitter</li> <li>Tweet about our giveaway for an entry.</li> <li>Visit our Facebook page for an entry.</li> </ul> <p>Use our Rafflecopter widget for your chance to win one of three Amazon Gift Cards:</p> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa308/" rel="nofollow" data-raflid="79857dfa308" data-theme="classic" data-template="" id="rcwidget_kdoeetix">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, July 17th at 11:59 p.m. Pacific. Winners will be announced after July 17th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook or Twitter.<br /> &nbsp;</li> <li>You must be 18 and U.S. resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us what you look for in a car and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-what-do-you-look-for-in-a-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/ask-the-readers-do-you-return-gifts-chance-to-win-10">Ask the Readers: Do you Return Gifts? (Chance to Win $10!)</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-the-readers-budgets-are-they-hot-or-not-your-chance-to-win-10">Ask the Readers: Budgets - Are They &quot;Hot&quot; or Not? (Your Chance to Win $10!)</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/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</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/7-ways-to-earn-extra-money-with-your-car">7 Ways to Earn Extra Money With Your 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/ask-the-readers-what-is-your-new-years-resolution">Ask the Readers: What Is Your New Year&#039;s Resolution?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Giveaways Ask the Readers car Tue, 11 Jul 2017 08:30:07 +0000 Ashley Jacobs 1980306 at http://www.wisebread.com Should You Buy a Car With a Credit Card? http://www.wisebread.com/should-you-buy-a-car-with-a-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/should-you-buy-a-car-with-a-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/businesswoman_hold_credit_card_a_toy_car_and_a_stack.jpg" alt="Businesswoman hold credit card, a toy car and a stack" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While most people rely on cash or bank financing to buy a car, it may be possible to make all or part of your vehicle purchase with a credit card instead. This might seem like a risky proposition, but there are real, tangible benefits that can come from using this payment method if you're careful.</p> <p>With the right credit card strategy, you could earn rewards for your car purchase, save money on interest, and potentially pay your car off faster. Obviously, there are also a lot of things that can go wrong with this strategy. If you can't afford a car and are looking at a credit card as your way to finance it because you have no other options, forget it. You'll end up worse off if you can't make payments on your credit card.</p> <p>Even if you can afford the car, you'll need to answer a few questions. Let's talk about whether charging it makes sense &mdash; and when it's possible.</p> <h2>Is it possible to buy a car with a credit card?</h2> <p>First, you need to determine whether the dealership or car lot you're buying from will allow it. There are instances when a car lot may let you&nbsp;pay for your entire car purchase with credit, but those situations are rare.</p> <p>More likely, if a dealership lets you pay with a credit card at all, it will cap the amount at, say, $5,000. The main reason dealerships hesitate to let you charge tens of thousands of dollars to your card is that, like other merchants, they pay interchange fees to accept credit cards. These fees are usually around 2 percent, sometimes higher. So, if you charge a $30,000 car, your dealership could be on the hook for at least $600 in processing costs.</p> <p>The other thing you need to note is your available balance. Obviously, you can't charge more than your credit limit, so you'll need to be aware of that limit.</p> <h2>Earning rewards with a car purchase</h2> <p>While there is more than one way charging your car to a credit card can leave you ahead, the most intriguing opportunity is the rewards you could earn. You can get <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back</a> or <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel rewards</a>. You might even want to use a <a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car?ref=internal" target="_blank">co-branded car credit card</a> (yes, they exist!). This can provide you a hefty discount when you are ready for your next car.</p> <p>Obviously, this strategy is only worth pursuing if you have the cash in the bank to pay your card off right away. While the cards with the most lucrative rewards programs help you earn &quot;free money&quot; on large purchases, the interest rates they offer tend to be higher than average. If you put $30,000 on a credit card that charges 15 percent and it took you five years to pay your loan off, you would fork over $12,822 in interest alone.</p> <h2>Saving interest on a car purchase with a 0% APR card</h2> <p>This leads to the second reason some people may choose to charge their car purchase &mdash; to save money on interest. While many rewards cards charge higher interest rates than most, an array of cards charge <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?ref=internal" target="_blank">0% APR for new purchases</a> for 12&ndash;21 months.</p> <p>The key to making a 0% APR card work in this scenario is making sure you can pay the balance in full before your introductory offer ends. Once it's over your rate will reset to a regular credit card interest rate, which is almost certainly higher than the rate you'd get on a car loan.</p> <p>Before you pick a 0% APR card for your car purchase, make sure you can pay the balance in full before the introductory offer ends. That way, you can truly save money on interest &mdash; and not end up potentially paying more in interest than if you'd just gone with a loan.</p> <h2>Buying a car with a credit card</h2> <p>If you're dead set on charging your car to a credit card, it's important to think through several important scenarios first. Here are four tips that can help you get the most out of the situation.</p> <h3>1. Don't talk about payment until you've negotiated a price</h3> <p>While there's nothing wrong with using credit for a car, your car salesman may want to make up for their fees by charging you a higher sales price. That's why you should never reveal that you intend to pay with credit until you've negotiated the terms of the sale. By slow-rolling your credit card payment plan, you can get the best price possible while also gaining the benefits of using a card.</p> <h3>2. Make sure you're getting the best deal possible</h3> <p>As with any car purchase, you should research the cars you're interested in online before you ever step into a dealership. Websites like&nbsp;Kelley Blue Book&nbsp;can help you figure out exactly what a car is worth based on its make, model, and condition. If the dealership wants you to pay more than a car is truly worth, the rewards you're earning probably won't be worth it, especially if they decide to tack on a fee for using a credit card.</p> <h3>3. Do the math before you buy</h3> <p>While getting 0% APR on your car purchase can pay off, it's important to do the math if you don't think you'll pay off the entire purchase before the introductory offer ends. If you need several years to pay your car loan in full, for example, you will be better off with bank or dealership financing &mdash; even if the ongoing APR seems high.</p> <h3>4. Decide what you want &mdash; 0% APR&nbsp;or&nbsp;rewards</h3> <p>While a slew of popular credit cards offer rewards or 0% APR for a limited time, few cards offer the best of both. Before you charge your car to a credit card, make sure you have defined goals and a plan to reach them. And if you don't have the right credit card to meet your needs for this purchase, explore your card options and apply for a new card before you step into a dealership.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fshould-you-buy-a-car-with-a-credit-card&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FShould%2520You%2520Buy%2520a%2520Car%2520With%2520a%2520Credit%2520Card-.jpg&amp;description=Should%20You%20Buy%20a%20Car%20With%20a%20Credit%20Card%3F"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Should%20You%20Buy%20a%20Car%20With%20a%20Credit%20Card-.jpg" alt="Should You Buy a Car With a Credit Card?" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/should-you-buy-a-car-with-a-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-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-secrets-to-a-higher-car-trade-in-value">8 Secrets to a Higher Car Trade-In Value</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/5-times-you-can-score-a-great-deal-on-a-new-car">5 Times You Can Score a Great Deal on 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/10-new-car-costs-the-dealer-is-hiding-from-you">10 New Car Costs the Dealer Is Hiding From You</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/10-magic-words-to-say-to-get-the-best-new-car-price">10 Magic Words to Say to Get the Best New Car Price</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/cutting-your-car-payment-is-easier-than-you-think">Cutting Your Car Payment Is Easier Than You Think</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation APR dealerships fees financing interest rates negotiating new car rewards vehicles Wed, 05 Jul 2017 08:30:12 +0000 Holly Johnson 1974820 at http://www.wisebread.com Best Money Tips: Save Money on Your Next Car Rental http://www.wisebread.com/best-money-tips-save-money-on-your-next-car-rental <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-save-money-on-your-next-car-rental" 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_153571311.jpg" alt="Woman saving money on her next car rental" 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 articles on ways to save money on car rentals, home swimming pool safety tips, and money mistakes to avoid in your 20s.</p> <h2>Top 5 Articles</h2> <p><a href="http://shebudgets.com/lifestyle/travel/save-money-on-car-rentals/66393">How To Save Money on Car Rentals</a> &mdash; Bidding on a rental car through sites like Priceline can help you score a vehicle for as little as half the usual price. [SheBudgets[</p> <p><a href="https://blog.allstate.com/4-home-swimming-pool-safety-tips/">4 Home Swimming Pool Safety Tips</a> &mdash; Keep flotation devices and a pool hook near the pool in case someone or something needs rescuing. [The Allstate Blog]</p> <p><a href="http://www.mydollarplan.com/8-money-mistakes-to-avoid-in-your-20s/">8 Money Mistakes to Avoid in Your 20s</a> &mdash; Many 20-somethings overpay in rent &mdash; don't be one of them! [My Dollar Plan]</p> <p><a href="https://blog.cheapism.com/picnic-food-that-spoils-13923/">10 Fast-Spoiling Foods to Avoid</a> &mdash; Mayonnaise can sour quickly in warm weather. If you're have a side dish with this condiment, like potato salad, egg salad, or coleslaw, make sure it's stored in a cold place until eaten. [Cheapism]</p> <p><a href="https://www.smallfootprintfamily.com/eco-friendly-office">4 Powerful Ways To Be Eco-Friendly At The Office</a> &mdash; One easy way to be green at the office is to keep a recycling bin at your desk. [Small Footprint Family]</p> <h2>Other Essential Reading</h2> <p><a href="https://www.csmonitor.com/Environment/2017/0623/Excitement-for-solar-eclipse-builds-but-are-small-towns-in-prime-viewing-locations-ready-for-the-crowds">Excitement for solar eclipse builds, but are small towns in prime viewing locations ready for the crowds?</a> &mdash; Sleepy towns like Madras, Oregon are preparing for the unprecedented crowds that are coming to watch the first coast-to-coast total solar eclipse to cross the continental U.S. in 99 years. [The Christian Science Monitor]</p> <p><a href="https://www.popsugar.com/smart-living/International-Travel-Tips-43654181">12 Things You Need to Do Before Your First International Vacation</a> &mdash; If you don't speak the language of your destination, try to learn a few key phrases like &quot;Please,&quot; &quot;Thank you&quot;, and &quot;Do you speak English?&quot; [PopSugar Smart Living]</p> <p><a href="http://www.experian.com/blogs/news/about/first-time-home-buyers-tips/">Money-Smart Tips for First-Time Home Buyers</a> &mdash; Join Experian's #CreditChat tomorrow at 3 p.m. ET for a discussion on smart financial tips for first-time homebuyers. [Experian]</p> <p><a href="http://www.lehighvalleymomma.com/how-to-bring-out-your-childs-inner-athlete/">How To Bring Out Your Child&rsquo;s Inner Athlete</a> &mdash; Encourage your child to join an athletic club or Little League where they can play a sport that they love and meet other athletic children. [Lehigh Valley Momma]</p> <p><a href="https://www.dumblittleman.com/jobs-for-introverts/">5 Tips On How To Land The Best Jobs For Introverts</a> &mdash; Look for job opportunities that align with the levels of interaction that you're comfortable with. [Dumb Little Man]</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-save-money-on-your-next-car-rental">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/how-to-travel-in-style-for-free">How to Travel in Style...For Free</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/9-things-you-should-always-carry-on-an-economy-flight">9 Things You Should Always Carry on an Economy Flight</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/can-acetone-dramatically-increase-your-gas-mileage">Can Acetone Dramatically Increase Your Gas Mileage?</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/17-things-car-salesmen-dont-want-you-to-know">17 Things Car Salesmen Don&#039;t Want You to Know</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> Cars and Transportation best money tips car rental Tue, 27 Jun 2017 08:00:14 +0000 Amy Lu 1973129 at http://www.wisebread.com The High Cost of Buying a Boat http://www.wisebread.com/the-high-cost-of-buying-a-boat <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-high-cost-of-buying-a-boat" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_new_boat_529666414.jpg" alt="Man learning the high cost of buying a boat" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;It's like glass, honey,&quot; my dad would whisper to my mom. &quot;That water. Like glass.&quot;</p> <p>My mom and dad, both avid water skiers and all-around fun folks, got lots of worth out of the beat-up old ski boats my dad managed to buy. We spent summers on the lakes and rivers. In between camping and skiing, Dad did the boat repairs himself and cursed the cost of engine parts. Owning a boat is fun, but is it worth the time and cost of upkeep? Calculate the price in full before you buy.</p> <h2>The initial purchase cost</h2> <p>Buying a used boat is the most cost-effective way to become a boat owner. Purchasing a brand-new boat is like <a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car?ref=internal" target="_blank">purchasing a brand-new car</a>; you'll pay a huge premium for that brand-new label, and it'll depreciate after you buy it. According to Boatshed's Market Report 2016, those sleek and speedy <a href="http://www.boatshed.com/market-report-2016-blog-32532.html" target="_blank">power boats depreciate the most</a>, but all new boats drop in value dramatically in the first three years of ownership.</p> <p>If you buy a used boat from a dealer, you may get a warranty of some kind. Or you may not. If a warranty is included, get specific information on what it covers.</p> <p>There are no guarantees when you buy from an individual. Ask to see a maintenance log and receipts for parts or repairs. Don't expect a guarantee on a boat's continued performance. Once you buy, that boat is yours to take care of, for better or for worse.</p> <h2>Boat repairs</h2> <p>If you're mechanically inclined, you can do some repairs and maintenance on the boat yourself. My dad spent his high school summers working at a marina; he handled basic stuff. If your boat needs major repairs, you'll need a pro.</p> <p>Expect to pay from $65 to $115 per hour for work by a certified marine mechanic. Replacement parts can be pricey, too. A new water pump, for example, can cost anywhere from $100 to over $1,000, depending on the size and style you need.</p> <p>Even if your boat is in great shape, mechanical failures are probable at some point. It's a machine, which makes wear and tear inevitable. Other common repairs needed on a boat include cracks in the deck, saturated foam (causing the boat to sit unevenly), rot, and joint separation. Cosmetic repairs, such as replacing upholstery or repainting the hull, can be delayed. But others, such as cracking or leaks, must be dealt with immediately. Otherwise, your boat will incur more damage, lowering its value and adding to repair costs.</p> <h2>Seasonal maintenance</h2> <p>Don't forget to factor in the cost of seasonal maintenance work when estimating a budget for boat ownership.</p> <h3>Engine winterization</h3> <p>For boats that will be stored for winter, or for any extended period of time, engine winterization is important to prevent damage. You can do the work yourself (use this <a href="http://www.boatus.com/boattech/casey/winterizing-your-engine.asp" target="_blank">helpful winterization checklist</a>) or pay a shop. Average cost depends on the size of your boat.</p> <h3>Hull cleaning</h3> <p>Larger boats that stay in the water need their hulls cleaned periodically. Hull cleaning prevents damage and increases fuel efficiency. Professional boat services either have divers go under and clean while the boat is in the water, or, if repainting is also needed, have the entire boat lifted out of the water to do the work. Rates vary widely based on location, size of the boat, and how long it's been since the last hull cleaning.</p> <h3>Cabin cleaning</h3> <p>You can do cabin cleaning yourself, or hire a professional to do the job. Regular cabin cleaning is important in order to find, repair, and prevent permanent damage, such as corrosion or rust.</p> <h2>Regular maintenance</h2> <p>Some other maintenance items include greasing the rudder box, checking belts and hoses, checking engine alignment, and replacing brake fluid.</p> <h2>Insurance, registration, and other fees</h2> <p>The cost of registration and licensing fees varies from <a href="http://www.americasboatingcourse.com/lawsbystate.cfm" target="_blank">state to state</a>. If you're going to travel between countries, you will need to get an International Certificate of Competence. Insurance is optional in most states, but you might want to have it anyway. You'll pay a boat sales and <a href="http://www.boatus.com/gov/states/default.asp" target="_blank">use tax in most states</a>, as well.</p> <p>You'll need to pay lock fees to use canals and move from one body of water to another. You may also be required to pay for port fees and customs at various points of entry.</p> <h2>Necessary boat gear</h2> <p>Life jackets are a requirement on any boat, under any circumstances. <a href="http://www.uscgboating.org/recreational-boaters/life-jacket-wear-wearing-your-life-jacket.php" target="_blank">U.S. Coast Guard regulations</a> require one life jacket for every person on board. Other gear you'll want depends on what you want to do on your boat: fishing poles, tackle and bait, or skis, ski ropes, and tubes. Of course, you need to stock essential safety and health supplies such as a <a href="http://www.wisebread.com/the-5-best-first-aid-kits">first aid kit</a>, sun protection, and drinking water.</p> <h2>Docking and storage</h2> <p>If you want to dock your boat in a protected place, and you don't own a spot yourself, you'll need to pay a slip fee. A slip fee is typically calculated per foot of boat: so, for a 30-foot boat, you might pay $3 to $5 per foot, per day, to dock your boat at a marina. Marinas often have weekly, monthly, and annual rates, as well. Expect to pay more for a covered and protected slip, and pay for additional services like trailer storage or use of a boat lift or boat cover.</p> <p>Our old ski boat lived in our backyard, covered in a tarp during winter. In the mild Mississippi winters, that was an acceptable storage solution. But in more extreme environments &mdash; or for boats with a slightly higher investment point &mdash; you'll want covered, protected storage from the elements. Maybe you have a place for your boat, such as an enclosed garage or barn. In that case, you'll save the cost of paying for storage. But you will need to have a way to get your boat from the water to your garage.</p> <h2>Trailer and transportation costs</h2> <p>If you don't own a boat trailer, you'll need to buy or rent one in order to move your boat from a body of water to any other location. Boat trailers need to be licensed and registered, and you'll pay personal property taxes on a trailer as well as on the boat. Fees vary from state to state.</p> <p>Renting a boat trailer can be a better solution if you don't need to move your boat often. Trailer rentals run from about $50 a day (for a 20-foot trailer) to around $150 per day (for a triple axle trailer that can haul up to a 33-foot boat). Bigger boats, of course, require a bigger trailer and a vehicle that is powerful enough to tow it.</p> <p>Whether your boating dream is a yacht or a fishing boat, consider the costs carefully before you invest. It's one thing to relax on a boat. It's quite another to pay for it.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-high-cost-of-buying-a-boat&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%2520High%2520Cost%2520of%2520Buying%2520a%2520Boat.jpg&amp;description=The%20High%20Cost%20of%20Buying%20a%20Boat"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%20High%20Cost%20of%20Buying%20a%20Boat.jpg" alt="The High Cost of Buying a Boat" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/the-high-cost-of-buying-a-boat">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/rural-living-in-a-world-with-expensive-fuel">Rural living in a world with expensive fuel</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-dirt-on-travel-insurance">The Dirt on Travel Insurance</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/hostels-vs-hotels-choosing-the-perfect-place-to-stay-within-your-budget">Hostels vs Hotels: Choosing the Perfect Place to Stay Within your Budget</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-unexpected-costs-of-political-activism">5 Unexpected Costs of Political Activism</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-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Lifestyle boat boat maintenance buying a boat high cost investment money pit money suck Mon, 26 Jun 2017 08:30:18 +0000 Annie Mueller 1971791 at http://www.wisebread.com Here's How the Right RV and Vehicle Insurance Protects Your Summer Fun http://www.wisebread.com/heres-how-the-right-rv-and-vehicle-insurance-protects-your-summer-fun <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-the-right-rv-and-vehicle-insurance-protects-your-summer-fun" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_riding_jet_boat.jpg" alt="Couple Riding Jet Boat" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Summer can be a great time to get the big toys out of the garage. Jet Skis, off-road vehicles, RVs, and other expensive forms of transportation can make a summer trip more enjoyable.</p> <p>Those toys also need insurance to fix or replace them if they're damaged or destroyed in an accident. Here's what you need to know to keep all your forms of transportation protected this summer.</p> <h2>RV insurance</h2> <p>Most owners of recreational vehicles, or RVs, only use their vehicles for a few months a year and may be able to get their existing auto and home insurance policies extended to their RV for those few months a year. But if you live in one full-time or rent an RV, you'll want separate RV insurance. A bank may also require you to have it if you're financing the purchase of the vehicle.</p> <p>Insurance for an RV isn't as straightforward as auto insurance. Because an RV is essentially a house on wheels, it requires a mix of travel, auto, and home insurance. Your existing auto insurance policy may cover some insurance needs for an RV, but because of the high value of an RV, specific RV insurance will also likely be needed.</p> <p>An RV insurance policy can provide personal property coverage, which will cover your RV when it's parked at your home and when it's out on the road. Your home or auto insurance policies may cover <em>some </em>things stolen from an RV, but only up to certain limits or on specific items. Expensive camping equipment and a flat-screen TV inside an RV, for example, will likely require extra personal property coverage in an RV insurance policy.</p> <p>If an entire RV is stolen or damaged in an accident, you'll want full replacement cost coverage. It's offered only for newer RVs, while the actual cash value, or depreciated value, is available for older vehicles. Full replacement coverage can be worth having if you just bought a new RV and don't have the money in the bank to pay for repairs. Without it, the depreciated value may only be covered, and new vehicles depreciate quickly in the first year.</p> <p>Laws in your state may require a minimum amount of liability insurance, and some also require uninsured and underinsured motorists coverage. You can set the collision and comprehensive insurance limits.</p> <p>RV insurance averages $550 per year for a motor home and $250 for a trailer that doesn't have a motor. This low cost is partly due to the fact that RV owners are usually more experienced drivers. Age, driving record, and credit score also affect rates.</p> <p>RV insurance rates will also be affected by how often you drive the vehicle, the type of RV you have, how old it is, where it's stored, and if you use it as a primary home.</p> <h2>Personal watercraft insurance</h2> <p>Personal watercraft insurance, or PWC insurance, is for a Jet Ski or other watercraft that's part boat and part motorcycle. It protects against accidents, vandalism, and liability, regardless if you use the vehicle yourself or loan it to someone else. PWC insurance can be bought as a separate policy or can be added to an existing boat policy.</p> <p>PWC insurance can cover you in many instances. For example, you may crash into a dock or another boat, causing death or injury. PWC insurance can include bodily injury liability to pay the medical bills of someone you injure in an accident. It can also include property damage liability coverage in case you damage someone else's property. Or, if you let someone else use your personal watercraft and they're negligent &mdash; such as by towing water skiers or wakeboarders, or getting too close to other watercraft &mdash; PWC insurance could help.</p> <p>Areas that typically aren't covered include a craft that's been modified to improve speed or performance, after dark usage, and operating a PWC without a valid driver's license.</p> <p>Depending on the type of watercraft, coverage options, deductibles, and your driving record, PWC insurance costs $300 to $500 per year.</p> <h2>ATV insurance</h2> <p>A standard homeowners insurance policy doesn't normally cover off-road vehicles such as an ATV, golf cart, dune buggy, or dirt bike. It will cover your off-road vehicles when they're on your property &mdash; but once the vehicle leaves your property, you're probably no longer covered by a homeowners policy.</p> <p>ATV insurance can protect the vehicle and owner against liability, collision, and other things. For example, collision coverage can cover the cost of replacing a fence you've hit, and then can pay to repair your vehicle.</p> <p>Like extra coverage for watercraft, there are two types of liability insurance you may want for ATVs &mdash; bodily injury liability and property damage liability.</p> <p>Comprehensive coverage pays for damage to your ATV during a severe storm or other natural disaster, or if it's stolen.</p> <p>Annual premiums for ATV insurance range from $99 for bodily injury and property damage coverage to $1,500 for every type of coverage.</p> <h2>Yes, your toys need insurance</h2> <p>However much money you've spent on your summer toys, factor in</p> <p>their cost and how much liability you're willing to expose yourself to if you cause an accident. Chances are they weren't cheap, and they can cause just as much damage as an accident in a car.</p> <p>That's what insurance is for &mdash; to cover catastrophic expenses you can't cover on your own. Even during the joys of summer that's something worth remembering.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fheres-how-the-right-rv-and-vehicle-insurance-protects-your-summer-fun&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHere%2527s%2520How%2520the%2520Right%2520RV%2520and%2520Vehicle%2520Insurance%2520Protects%2520Your%2520Summer%2520Fun.jpg&amp;description=Here's%20How%20the%20Right%20RV%20and%20Vehicle%20Insurance%20Protects%20Your%20Summer%20Fun"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Here%27s%20How%20the%20Right%20RV%20and%20Vehicle%20Insurance%20Protects%20Your%20Summer%20Fun.jpg" alt="Here's How the Right RV and Vehicle Insurance Protects Your Summer Fun" width="250" height="374" /></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/heres-how-the-right-rv-and-vehicle-insurance-protects-your-summer-fun">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/6-times-when-its-okay-to-drop-insurance">6 Times When It&#039;s Okay to Drop Insurance</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/everything-you-need-to-know-about-flood-insurance">Everything You Need to Know About Flood Insurance</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/3-things-you-should-know-about-rental-car-insurance">3 Things You Should Know About Rental Car Insurance</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/6-reasons-you-should-buy-the-rental-car-insurance">6 Reasons You Should Buy the Rental Car Insurance</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-easiest-ways-to-save-on-your-next-rv-camping-trip">The Easiest Ways to Save on Your Next RV Camping Trip</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Insurance atvs collision coverage jet skis liability off road vehicles policies recreational vehicles rvs summer watercraft Tue, 20 Jun 2017 08:30:17 +0000 Aaron Crowe 1966174 at http://www.wisebread.com