Cars and Transportation http://www.wisebread.com/taxonomy/term/4812/all en-US 8 Crazy Things Tomorrow's Cars Will Do http://www.wisebread.com/8-crazy-things-tomorrows-cars-will-do <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-crazy-things-tomorrows-cars-will-do" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/toyota_fv2.jpg" alt="Toyota FV2 futuristic concept car of tomorrow" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The funny thing about concept cars is that they're just that &mdash; concepts. They're futuristic ideas displayed at auto shows, designed to highlight advanced technologies and stylistic directions of cars that may never actually see the light of day.</p> <p>While we don't pretend to predict which future features are likely to catch on, there are plenty of cool bells and whistles that are worth hoping for. Some are more conceptual than others, and some more likely to be seen in the next few years than scrapped. Here are our top eight:</p> <h2>1. Flying Cars</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/bp2TWNpTA7s" frameborder="0" allowfullscreen=""></iframe></p> <p>Even before the Jetsons made it to primetime, a flying car has been seen as a futuristic solution to every commuter's problems.</p> <p>Trademarked as the <a href="http://www.terrafugia.com/tf-x">TF-X</a>, a company called Terrafugia says it's making a car that becomes airborne like a helicopter, and then flies like a plane. The company makes another flying car, called the Transition, that has wings and takes off as a plane (and amazingly is road legal for driving). You just may need to land at an airport and then drive to your destination. Both flying cars still appear to be in the experimental stages.</p> <h2>2. Motorcycle-Car Combos</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/RZXCqGiBxYY" frameborder="0" allowfullscreen=""></iframe></p> <p>Toyota's <a href="http://www.toyota-global.com/innovation/personal_mobility/i-road/">i-Road concept car</a> has two wheels in the front and one in the back, with an enclosed area for two passengers. The front wheels are powered by electric motors that share a lithium-ion battery. It has a driving range of 30 miles and goes up to 30 mph, making it best for short trips.</p> <p>This electric vehicle made its second appearance at the Chicago Auto Show, giving the impression that it's more of a concept than reality &mdash; for now.</p> <h2>3. Clean Cars</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/tesla_model_x.jpg" width="605" height="340" alt="" /></p> <p>Electric vehicle innovations are already numerous, and more are on the way. Major carmakers are getting into the hybrid business, and some, such as the <a href="http://ec.europa.eu/research/transport/projects/items/lean_and_green___the_clever_vehicle_en.htm">CLEVER</a> vehicle designed at the Technical University of Berlin, have a compressed natural gas engine to cut carbon dioxide emissions.</p> <p>If you're looking for a clean car that's beyond the concept stage, the Tesla <a href="http://www.teslamotors.com/modelx">Model X</a> is scheduled for delivery in early 2016. It's an electric car that's designed as an SUV/minivan mashup that may have two different battery packs available. Teslas have some of the longest battery life of EVs, traveling 230-300 miles when driven at 55 mph.</p> <h2>4. Solar-Powered Cars</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ford_c_max.jpg" width="605" height="340" alt="" /></p> <p>The Ford <a href="https://media.ford.com/content/fordmedia/fna/us/en/news/2014/01/02/let-the-sun-in--ford-c-max-solar-energi-concept-goes-off-the-gri.html">C-Max Solar Energi Concept</a> has a solar panel roof that draws power from a solar concentrator lens like a magnifying glass. A day's worth of sunlight produces a range of up to 620 miles. The 2015 version of this gas/electric hybrid doesn't have a solar roof, so we can only guess that this concept car is either still in the planning stages or shelved.</p> <h2>5. External Airbags</h2> <p>Safety technology maker TRW Automotive is developing <a href="http://www.digitaltrends.com/cars/attack-of-the-stay-puft-marshmallow-man-external-airbags-coming-to-the-side-of-a-car-near-you/">external airbags</a> for below the exterior of car doors to protect a car's occupants. While a full-car bubble wrap isn't part of the plan, TRW plans on having the airbags on a German luxury car by the end of the decade, likely the Mercedes-Benz S Class.</p> <h2>6. Extended Tailgates</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/hyundai_santa_cruz.jpg" width="605" height="340" alt="" /></p> <p>Have you ever needed to haul something in your truck and the truck bed just wasn't long enough? The 2015 Hyundai <a href="http://www.hyundainews.com/us/en/media/pressreleases/42741/hyundai-introduces-convention-shattering-santa-cruz-crossover-truck-concept-at-detroit-international">Santa Cruz</a> concept crossover truck is an experimental vehicle with a tailgate extension to make the bed length similar to a mid-size pickup. It has a drawer-like sliding function for longer cargo.</p> <p>The Santa Cruz was at the Chicago Auto Show in February, when manufacturers judged the public's reaction to the prototype. That's another part of being a concept car &mdash; weighing the public's interest in its features. (Some may be too far ahead of their time or garner no interest at all.)</p> <h2>7. Large Touchscreens</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/Concept_GC_PHEV_21.jpg" width="605" height="403" alt="" /></p> <p>The Mitsubishi <a href="http://media.mitsubishicars.com/releases/mitsubishi-motors-concept-gc-phev-makes-north-american-debut-at-the-2015-chicago-auto-show">GC-PHEV</a> concept car has what Mitsubishi calls a &quot;Tactile Table&quot; that's a large flat touchscreen running from the center console all the way back to the second row of seats. The blue-lit screen looks like something you'd use to plan Death Star attacks. However, Mitsubishi has other uses in mind, including allowing passengers to put their smartphones on top of it and create, collect, exchange, and share information with others through the car's communication system. At least it <em>sounds</em> like fun.</p> <h2>8. No Steering Wheels</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/1i4NnqrTMs4" frameborder="0" allowfullscreen=""></iframe></p> <p>The <a href="http://www.toyota-global.com/tokyoms2013/fv2/">Toyota FV2</a> concept car is a single-person vehicle that doesn't use a steering wheel; instead, the driver shifts their body weight to intuitively move the vehicle and steer it. The car also uses &quot;voice and image recognition to determine the driver's mood, accumulated driving history to suggest destinations, and driving skill information to assist the user,&quot; according to Toyota. The carmaker compares it to &quot;the relationship of trust and understanding that a rider might have with his or her horse.&quot;</p> <p>If having trust in your car like you would a horse is too much to ask, then a <a href="http://www.theblaze.com/stories/2015/03/10/mercedes-benzs-self-driving-cars-took-to-the-streets-of-san-francisco-and-residents-were-mesmerized/">self-driving car</a> may be more to your liking. Those look to be a bit more realistic for the foreseeable future.</p> <p><em>What futuristic car features are you most excited about?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/8-crazy-things-tomorrows-cars-will-do">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/should-your-next-car-be-electric">Should Your Next Car Be Electric?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-gasoline-pump-y2k-problem">The Gasoline Pump &quot;Y2K&quot; Problem</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-this-the-best-search-engine-ever-for-new-used-cars">Is This the Best Search Engine Ever for New &amp; Used Cars?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/10-steps-you-must-take-if-youve-been-in-a-car-accident">10 Steps You Must Take If You&#039;ve Been in a Car Accident</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Technology auto shows concept cars flying cars future cars hybrids Wed, 25 Mar 2015 17:00:09 +0000 Aaron Crowe 1354153 at http://www.wisebread.com 10 Steps You Must Take If You've Been in a Car Accident http://www.wisebread.com/10-steps-you-must-take-if-youve-been-in-a-car-accident <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-steps-you-must-take-if-youve-been-in-a-car-accident" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/car_accident_000035665620.jpg" alt="Guy making phone call after car accident" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Getting in a car accident can be one of the most unnerving moments in a person's life. The unexpected has just happened. If you're lucky, no one has been injured.</p> <p>Then comes all of the hassles that can be part of being in an accident: filing police reports and insurance claims, getting your car fixed or replaced, and many other things. Remembering what steps to take can be difficult. Here are some things drivers should do after a car accident. (See also: <a href="http://www.wisebread.com/what-to-do-and-not-do-when-youre-in-a-car-accident?ref=seealso">What to Do (and Not Do) When You're in a Car Accident</a>)</p> <h2>1. Stop</h2> <p>Don't drive or run away from the scene of the accident &mdash; you could be arrested for leaving, even if it's minor.</p> <p>If your car is still operable, drive it off to the side of the road and out of traffic. If you can't safely drive it, leave it to a tow truck. Assuming you can safely get out of your car, put warning flares out and turn your flashers on to warn traffic of your accident.</p> <h2>2. Seek Medical Care</h2> <p>Are you, or is anyone else in your car, injured? How about in the other car? If you think someone needs urgent medical help, call 911. Injuries often aren't immediately apparent in auto accidents, so you may need to see your doctor or go to a hospital emergency room a day or so later.</p> <h2>3. Call the Police</h2> <p>Even if no one is injured, calling the police is a good idea. They can help with traffic control so another accident doesn't occur, and can collect evidence, talk to witnesses, and file a report that will help both drivers with their insurance claims. Unless the vehicles interfere with traffic, they should remain where they are so police can determine what happened.</p> <p>When talking with the police, tell them exactly what happened. If you don't know certain facts, don't fudge them and say that you're unsure. If an officer asks if you're injured and you don't know, say that you're uncertain instead of no. Pain from an accident can come hours later, so saying you're not injured when you don't know could be held against you later in an insurance claim.</p> <h2>4. Take Notes</h2> <p>To help your insurer, draw a map of the accident scene and write down property and vehicle damage. Also take note of the weather conditions, which can negatively affect drivers ability to travel safely. According to the Federal Highway Administration, <a href="http://www.buyautoinsurance.com/ultimate-bad-weather-driving/">weather related factors</a> account for 24% of the 6.3 million car crashes each year. Get the names and phone numbers of any witnesses, as well as the other driver involved in the accident. Also be sure to get their insurance information, and write down their license plate number.</p> <h2>5. Take Photos</h2> <p>Even if you have a dash camera going at all times, get out your smartphone and take photos of the accident scene. Take videos if possible. Without getting in the way of the police, take pictures of any visible damage to the vehicles. If you can't get photos at the scene, take them as soon as you can afterward.</p> <p>Some smartphone apps have <a href="http://www.consumerreports.org/cro/news/2012/07/smart-phone-apps-that-can-help-after-a-car-crash/index.htm">insurance reporting tools</a> that help collect photos, audio, and provide checklists of what to do after an accident.</p> <h2>6. Exchange Information</h2> <p>If police are on the scene, they'll be gathering contact information from everyone involved in the accident. But if police don't respond, you should still get the name, phone number, and address of everyone involved, including drivers, passengers, and any witnesses. Don't stand between two cars while exchanging information &mdash; your cars could be hit by a rubbernecker.</p> <p>Ask to see the insurance card of the other driver. If police are there, ask for the police report number so you or your insurer can get a copy of the report later.</p> <h2>7. File an Insurance Claim</h2> <p>Once you've received medical attention and are in a safe place, call your insurance company to file a claim. Your insurer should be available 24 hours a day, so contact them as soon as you can. A claims adjustor may need to see your car, either at your home or the repair shop.</p> <p>If your car has a black box in it, your insurer may need access to the data port. These black boxes record vehicle data from the last 20 seconds before the crash and help determine how it happened. This information can include vehicle speed, wheel direction, when airbags were deployed, and if the brakes were applied.</p> <p>Find out if you have medical benefits as part of your auto insurance coverage. If you do, you'll likely have to submit any medical bills related to the accident directly to your insurer.</p> <h2>8. Get Your Car Repaired</h2> <p>Your insurer should help you with a lot of this by recommending repair shops, and help you get a tow truck to the scene if necessary. They should also help you get a damage appraisal, and tell you when, if at all, you'll have to pay a deductible for repairs. If your car is totaled, ask when you can expect to receive a check.</p> <p>If you have rental car coverage, they can also help you arrange for a rental to use while your car is in the shop.</p> <h2>9. Keep a File</h2> <p>To keep track of all of the paperwork, start a file with the insurance claim number on it so you can keep on top of what's happening with your vehicle. It should include the contact information for the claims adjustor who is handling your case, along with contact information for everyone involved in the accident. Also keep receipts for your rental can and other related expenses.</p> <p>Your insurance company should be your first contact to make sure everything is being done to fix your car and your medical needs are being paid for. Your insurance agent or claims adjustor should contact the insurer for the other party in the accident.</p> <h2>10. Alert the DMV</h2> <p>Within a day or so of the accident, contact your local DMV office and tell them your car was in an accident. This is required by most state laws.</p> <p>After doing all of this, you should hopefully be able to relax and get back to driving.</p> <p><em>Have you ever been in an auto accident? What steps did you take?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/10-steps-you-must-take-if-youve-been-in-a-car-accident">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/what-to-do-and-not-do-when-youre-in-a-car-accident">What to Do (and Not Do) When You&#039;re in a Car Accident</a></span> </div> </li> <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/disguise-your-stuff-to-prevent-car-break-ins">Disguise Your Stuff to Prevent Car Break-ins</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/keys-locked-in-the-trunk-heres-what-to-do">Keys Locked in the Trunk? Here&#039;s What to Do</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth">Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-lifesaving-skills-everyone-should-know">10 Lifesaving Skills Everyone Should Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation General Tips auto insurance car accident insurance claim safety Fri, 20 Mar 2015 11:00:04 +0000 Aaron Crowe 1349077 at http://www.wisebread.com Capital One BuyPower Credit Card: Get Your Dream GM Car http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/capital-one-buypower-get-your-dream-gm-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_car_lady_keys_000013029608.jpg" alt="Lady with keys to her new car" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Credit cards come with features of all sorts that aim to fit a myriad of lifestyles. There are many different types of rewards programs that award the purchases made with a card with <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">cash back</a>, points, and miles, which can convert into extra cash for spending or free travel. Capital One and GM, however, offer a program with the <a href="http://www.wisebread.com/capital-one-buypower?ref=1348813">BuyPower Credit Card</a>, that awards all purchases made with the card for rewards that can be used toward the purchase of a Chevrolet, Buick, GMC, or Cadillac vehicle.</p> <p>The BuyPower Credit Card also includes virtually no fees and an introductory APR on purchases. If you plan on purchasing a GM vehicle, you may want to consider this card to help cut down on some of the expense.</p> <h2>Some Card Highlights</h2> <ul> <li>Every purchase earns rewards that can help you save toward a new Chevrolet, Buick, GMC or Cadillac vehicle</li> <li>Get 5% Earnings on your first $5,000 in purchases every year</li> <li>Unlimited 2% Earnings on every purchase after that</li> <li>Your Earnings don&rsquo;t expire and there&rsquo;s no limit on how much you can earn or redeem</li> <li>For an even better value, use your Earnings on top of your best agreed-upon price and most current GM offers</li> <li>0% intro APR on purchases for 12 months, then 11.9%-19.9% variable APR on purchases</li> <li>No foreign transaction fees</li> <li>No annual fee</li> </ul> <p>&nbsp; &nbsp; &nbsp;<a href="http://www.wisebread.com/capital-one-buypower?ref=1348813"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" width="154" height="50" alt="" /></a></p> <h2>BuyPower Rewards Program&nbsp;</h2> <p>You can earn 5% rewards on the first $5,000 spent with the card each year, with the year starting when you open your account. After you have reached the $5,000 cap, your purchases earn 2%, which is unlimited. Rewards earned with the card do not expire.</p> <p>You can redeem your rewards at any time toward the purchase or as a down payment on Chevrolet, Buick, GMC, or Cadillac vehicles. When you purchase your vehicle, your rewards can be deducted from the purchase price, which lowers your monthly payments. Your rewards can also be used to pay for upgrades such as leather seats, all-weather floor mats, or premium sound systems.</p> <h2>Other Benefits</h2> <p>The BuyPower card includes benefits by World Elite MasterCard such as concierge serve for assistance in purchasing tickets, buying gifts, and making dinner reservations, $1 million in travel accident insurance against accidental death or dismemberment, and car rental insurance through MasterRental. Additionally, if you find that a purchase made with your card is available at a lower price within 60 days, MasterCard will reimburse you for the price difference through MasterCard&rsquo;s price protection feature.</p> <h2>Costs</h2> <p>There is no annual fee, balance transfer fee, or foreign transaction fee with the Capital One BuyPower Credit Card.</p> <p>The APR is 0% on purchases for the first 12 months, then is 11.9%-19.9% variable APR based on your credit worthiness</p> <h2>Pros</h2> <p><strong>0% introductory APR. </strong>There is an introductory APR of 0% for purchases from 12 months of account opening. If you are planning on making a large purchase, this gives you a year to pay it off without paying any interest on the purchase.</p> <p><strong>No fees. </strong>There is not only no annual fee for the card, but no balance transfer fee, and most significantly, no foreign transaction fee. Although the introductory APR of 0% is not offered for balance transfers, if you have a balance on a card with a higher APR, you can save money transferring and paying it off, without paying a balance transfer fee. The balance transfer fee with credit cards is typically the greater of $5 or 3%, which means on a balance of $5,000 you can save about $150 just in fees. Furthermore, if you travel abroad frequently, you definitely want to make sure you maximize you earning potential by using a rewards card that does not charge a foreign transaction fee, which can be as much as 3% on foreign purchases.</p> <p><strong>No rotating spending categories.</strong> Often times, reward cards offer special spending categories that earn more cash back than other purchases. Other cards also usually offer higher awards only on specific purchases such as airfare, grocery, or gas, which limits the categories that earn the most rewards.</p> <p><strong>High rate of rewards.</strong> There are virtually no other credit cards which allow you to earn as much as 5% rewards in any category, on any purchase. Although there is a limit of $5,000 in spending per year to earn the 5% rewards with the BuyPower Credit Card, it still allows you to earn as much as $250 in rewards each year, plus an unlimited 2% on the rest of your purchases, which, even at 2%, is still competitive with the rewards earned from other credit cards.</p> <h2>Cons</h2> <p><strong>No sign-up incentive.</strong> Many rewards cards offer incentives or sign-up bonuses to attract new customers which result in extra cash back or, in the case of travel rewards cards, free flights or hotel stays if you spend a certain amount with the card within a designated time frame. Although the BuyPower card offers an introductory APR for purchases, there is no extra bonus available for new customers.</p> <p><strong>Limited redemption options.</strong> The rewards earned with Capital One&rsquo;s BuyPower Card can only be redeemed toward purchase, down payment, or extra features such as leather seating on new Chevrolet, Buick, GMC, or Cadillac vehicles. You do not have the option to redeem for cash or spend your rewards on gift cards or other merchandise. The upside of this, however, is that you can redeem your rewards at any time without accumulating a certain amount of rewards first.</p> <h2>Who This Card Is Best For</h2> <p>It goes without saying that the BuyPower Credit Card by Capital One is best for those who plan on eventually purchasing a Chevrolet, Buick, GMC, or Cadillac vehicle. It&rsquo;s great for anyone who&rsquo;s trying to save for their dream GM car -- all their credit card purchases can contribute to this cause.</p> <p style="text-align: center;"><strong><a href="http://www.wisebread.com/capital-one-buypower?ref=1348813">Click here to apply for the Capital One BuyPower Card today!</a></strong>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-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-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/the-5-best-secured-credit-cards">The 5 Best Secured Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/discover-it-for-students-rewards-for-smart-spending">Discover it for Students: Rewards for Smart Spending</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/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One Secured MasterCard: The Best Option for Repairing Your Credit</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/discover-it-miles-simple-and-flexible-travel-rewards">Discover it Miles: Simple and Flexible Travel Rewards</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/discover-it-chrome-for-students-simple-rewards-for-responsible-spending">Discover it Chrome for Students: Simple Rewards for Responsible Spending</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards credit card review GM Fri, 20 Mar 2015 06:04:23 +0000 Christina Majaski 1348813 at http://www.wisebread.com Keys Locked in the Trunk? Here's What to Do http://www.wisebread.com/keys-locked-in-the-trunk-heres-what-to-do <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/keys-locked-in-the-trunk-heres-what-to-do" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-keys-car-beach-iStock_000048938318_Small.jpg" alt="man keys car" title="man keys car" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's not a small problem. It's not a slight inconvenience. It's something you don't want to happen. Ever.</p> <p>I say this because it recently happened to me, and I thought it would be a really easy problem to solve. Hours later, after calls to a lot of locksmiths and some major cab fares, I realized this is something most people don't even consider being prepared for. And then, one day, you're stuck in a parking lot, scratching your head and wondering how you're going to get out of it.</p> <p>So, here's what you need to do if you happen to close the trunk with your keys still nestled safely inside it.</p> <h2>1. Call Specialized Auto Locksmiths</h2> <p>The first thing you'll need to do is call a series of locksmiths who deal with this specific situation. A regular locksmith may be able to get into your car, but the trunk is a whole different animal. It is designed to be a safe; impossible for thieves to get into, and therefore, you as you try to break into your own car. Here's what you need to know.</p> <ul> <li>Use your smartphone (hopefully you have one) to search for auto locksmiths in the area. You need to call more than one to get estimates on times and prices. Do this first, and quickly. You can always call back and cancel if you figure something else out, but get the ball rolling.<br /> &nbsp;</li> <li>Most of these locksmiths will advertise a very low price, between $15 and $20 for the service. This is usually the cost for unlocking a car with a child trapped inside it. You will be paying much more than this. Typically, it's a $20 call-out charge and $35 or more for the actual unlocking.<br /> &nbsp;</li> <li>Ask for a realistic time. They may say 15 minutes, but in my case it took over two hours. If it's rush hour, you'll wait even longer.<br /> &nbsp;</li> <li>You must tell the dispatcher to notify the technician that your keys are in the trunk. Break into any modern car, and the alarm will go off; often shutting down the electrics responsible for the trunk release. The technician will need a series of tools to break into the trunk, including a snake camera.<br /> &nbsp;</li> <li>When the technician arrives, remind him or her again of the situation. When mine arrived I assumed he knew what was going on. After breaking into the car and the alarm going bezerk, he asked me where the keys were. When I told him they were in the trunk, he just went quiet and said, &quot;Ooh. That's a big problem.&quot;<br /> &nbsp;</li> <li>Be prepared for the technician to be unable to solve your problem. It's very possible that they won't be able to get inside the trunk. Modern carmakers have gone to great lengths to secure it. The release levers for the back seats are now inside the trunk; the trunk release is protected by the battery. You may very well need to move on to stage two at this point.</li> </ul> <h2>2. Get the Spare Keys</h2> <p>Consider that it could take one to two hours for a technician to reach you. They may be unable to help once they arrive. In the time that has taken, and the money spent, you could have gotten the spare keys. Some things you need to consider:</p> <ul> <li>Does someone you know have access to the spare keys, and can they come to you with them? For instance, if the spare set is at home with your partner, and they are less than an hour away, it may well be a better plan to call them after you have called locksmiths. If they can do it, ask them to bring them, and cancel the locksmith at this point. If not, can you call a friend who can take you to your home, and back?<br /> &nbsp;</li> <li>If no one has access to the spare keys, you're on your own.<br /> &nbsp;</li> <li>Can you get a cab to and from your current location without breaking the bank? In my case, it cost me $60 round trip in an Uber cab, and took 55 minutes (this was after spending almost three hours in the parking lot). You could leave the car there overnight, and perhaps ask a friend to take you back the next day. Or, just take the cab back the next day.</li> </ul> <h2>3. No Spare? Order a New Key</h2> <p>This will not be a quick process, and you will need to have the VIN of your vehicle and proof of ownership. If you bought your car from a licensed dealership, they should be able to help you. They may well be able to do it in a matter of days, but this can also take a week or two. In the meantime, you'll need to have the car towed to your location, and this will also cost money. You could try leaving it where it is, but it could get towed anyway, or broken into. (Although probably not the trunk.)</p> <h2>4. Override the Trunk Release</h2> <p>This is not easy for a novice, and every car is different. However, if you have some skill, and a battery source (you can always figure out a way to use the car battery), you can find ways online to access the fuse box and create a short that will pop the trunk. There are several videos online, but they are definitely not something you want to follow if you have little or no automotive experience.</p> <h2>5. The Last Resort: Break Into the Trunk</h2> <p>The locksmith who tried to help me told me of an incident similar to mine several months ago. The driver couldn't get into the trunk, he had no spare, and he was in a desperate hurry to get home. So, he told the locksmith to use his tools to break into the trunk through the back seats. After an hour or so, and a lot of damage, they got into the trunk and the customer said he would simply order a new back seat when he got home. That's an expensive solve, but if it's one you deem necessary, you could consider it.</p> <h2>Make Sure This Never Happens to You</h2> <p>One of the simplest ways to avoid this ever happening to you is to make sure your keys are always in your pocket or another safe place before ever opening the trunk. In my case, I had placed a bag inside and had to do a little reorganization. I had my keys in my hand, and put them down to move things about. Then, I closed the trunk. Bad move.</p> <p>Of course, accidents happen, so consider a back-up plan. You may want to have a spare key placed inside the car, hidden from view. This will be easily accessible once a locksmith has got you into the car, and you can turn off the alarm and open the trunk again.</p> <p>Another option is to have a spare key hidden inside a magnetic strongbox somewhere under the car. This has a few downsides. First, a thief could find it, but the chances are they won't even bother searching for it as very few people do this. Second, it could fall off; especially if you go over bumpy terrain.</p> <p>Just remember, locking your keys in the trunk is nothing like locking your keys in the main body of the car. Be prepared for a lot of time and trouble to be spent fixing your silly mistake.</p> <p><em>Have you ever locked your car keys in the trunk? What'd you do?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/keys-locked-in-the-trunk-heres-what-to-do">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/10-steps-you-must-take-if-youve-been-in-a-car-accident">10 Steps You Must Take If You&#039;ve Been in a Car Accident</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/do-you-know-how-to-use-a-parking-meter-serious-question">Do you know how to use a parking meter? Serious question.</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/skills-that-can-save-you-money-part-1-parallel-parking">Skills That Can Save You Money Part 1: Parallel Parking</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-wisebread-helped-me-get-45mpg-out-of-my-28mpg-car">How Wisebread helped me get 45mpg out of my 28mpg 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/how-to-check-if-a-flight-is-delayed-online">How to check if a flight is delayed</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation General Tips car keys locked out stranded Mon, 16 Mar 2015 10:00:07 +0000 Paul Michael 1338557 at http://www.wisebread.com Gas Prices Begin a Rebound: 5 Things to Know Now Before You Buy Your Next Car http://www.wisebread.com/gas-prices-begin-a-rebound-5-things-to-know-now-before-you-buy-your-next-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/gas-prices-begin-a-rebound-5-things-to-know-now-before-you-buy-your-next-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-salesman-car-dealership-Dollarphotoclub_46013877.jpg" alt="car dealership" title="car dealership" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Five years ago I traded in a nimble 500 horsepower sports car for a hulking half-ton pickup truck. That's quite a change in daily driving habits, no doubt. But I remember my biggest shock: that first visit to the gas station. It cost over $100 to fill up the truck, twice what I was used to. I felt a little twinge of dread in the gut.</p> <p>It was really just psychological; the truck's gas tank was twice as big as the sports car's &mdash; they both got about the same gas mileage. But that pain in the pump stuck with me as gas prices rose for the next couple of years to about $4 a gallon.</p> <p>We've all enjoyed the break in the cost of a gallon of gas over the last half year. But lately, those pump prices have begun to rebound a bit. The AAA <a href="http://www.fuelgaugereport.com/">reports</a> the national average for a gallon of regular gas is up nearly 30 cents from a month ago, to $2.29. Though that's still more than $1 cheaper than the average of a year ago.</p> <p>A lot of folks believe the pump price jump is just beginning. A <a href="http://www.consumerfed.org/pdfs/150215_gasprices_pressrelease.pdf">national survey (pdf)</a> by the Consumer Federation of America (CFA) says most Americans believe we're going to see at least a 50% increase in the next two years &mdash; to well over $3 per gallon &mdash; and an 80 percent hike in the next five years &mdash; back to near $4. Some <a href="http://www.usatoday.com/story/money/2015/01/19/gas-oil-five-dollar-gallon/21865975/">experts are saying</a> we're heading to $5 per gallon before too long. (See also: <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?ref=seealso">Best Credit Cards for Gas Rewards</a>)</p> <p>If we really think the good times of gas prices are numbered, how does that impact our next vehicle purchase? Here are five takeaways.</p> <h2>28 MPG or Better</h2> <p>On average, the consumers surveyed said they would be looking for the gas mileage of their next vehicle to around 30 MPG, compared to the 25 MPG rating of what they're driving now. That's a solid step to savings. Based on the poll's price expectations, driving an 18 MPG gas guzzler would cost you nearly $5,000 more on gas over the next five years than driving a 28 MPG vehicle. Most of us keep a vehicle for an average of at least five years, and with where we think prices are headed, driving an 18 MPG vehicle would see your current $178 average monthly gas costs nearly double in five years to $325 per month. Maybe our motto should be &quot;28 MPG or better.&quot;</p> <h2>Shop Smart &mdash; It's Not All Gravy</h2> <p>A hybrid vehicle can generally cost you a <a href="http://www.edmunds.com/hybrid/before-buy.html">20% premium</a> over an identical conventional gasoline engine model. Electric or part-time electric models are usually even more expensive. The break-even point a couple of years ago was about four years, however these days it can take closer to eight years to recoup your investment. But as gas prices go higher, that investment break-even point will shrink once again.&nbsp;</p> <h2>Green Cars Are Going for Less Green</h2> <p>While some consumers with short memories and unbridled optimism are buying trucks, SUVs and other gas guzzlers while fuel prices are low, dealers are discounting the currently out-of-favor fuel-efficient vehicles, plug-ins, and hybrids. Discounts on green cars are running <a href="http://www.hybridcars.com/why-now-is-a-good-time-to-buy-a-hybrid-or-plug-in-car/">15% or better</a>, and you're banking as much as 40-50 MPG.</p> <h2>Get the Credit You Deserve</h2> <p>Some advanced hybrid and electric vehicles like the Chevrolet Volt and Nissan Leaf are eligible for a $7,500 federal tax credit, with additional credits available in some states.</p> <h2>Savings Are Not Just on New Cars</h2> <p>Cheap gas is also impacting the used vehicle market. The National Auto Dealer Association says used mid-sized and full-sized pickups and SUV prices are up as much as 5%, while midsize and compact cars are discounted that much, or more.</p> <p>There's not a straight-up &quot;final answer&quot; on whether to go green on your next vehicle purchase. But fuel-efficient and fuel-alternative cars are getting cooler. With the introduction of the BMW i3 and the continued brisk sales of the upscale Tesla, going green has never been more popular. And keeping an eye on the MSRP and the MPG is a good way to boost your ROI.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/hal-m-bundrick-cfp">Hal M. Bundrick CFP</a> of <a href="http://www.wisebread.com/gas-prices-begin-a-rebound-5-things-to-know-now-before-you-buy-your-next-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/should-your-next-car-be-electric">Should Your Next Car Be Electric?</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-joy-of-buying-a-new-car-9-car-buying-tips">The Joy of Buying a New Car: 9 Car Buying Tips</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/dropping-the-price-of-gas-to-250-a-gallon-in-a-week">Dropping the Price of Gas to $2.50 a Gallon in a Week</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-wisebread-helped-me-get-45mpg-out-of-my-28mpg-car">How Wisebread helped me get 45mpg out of my 28mpg 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/one-way-to-combat-high-prices-just-run-out-of-gas">One Way to Combat High Prices - Just Run Out of Gas</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Financial News car buying gas prices Tue, 24 Feb 2015 20:58:45 +0000 Hal M. Bundrick CFP 1309178 at http://www.wisebread.com Best Money Tips: How to Drive More Efficiently http://www.wisebread.com/best-money-tips-how-to-drive-more-efficiently <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-drive-more-efficiently" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-driving-car-thumbs-up-186331725-small.jpg" alt="man driving car" title="man driving car" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on ways to drive more efficiently, how to follow up without being pushy, and why positive thinking sucks.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.thesimpledollar.com/eight-strategies-for-fuel-efficient-driving">Eight Strategies for Fuel Efficient Driving</a> &mdash; Don't accelerate hard after a stop &mdash; acceleration devours gasoline. Instead, get up to full speed at a gentle pace. [The Simple Dollar]</p> <p><a href="http://www.carefulcents.com/art-of-the-follow-up/">How to Follow-Up and Get a &quot;Yes&quot; Without Being Pushy or Annoying</a> &mdash; Give the other person a week to respond before you send a short and to-the-point follow-up message. This shows you're committed to the request and increases your chances of getting a response. [Careful Cents]</p> <p><a href="http://www.adaringadventure.com/life-coaching/positive-thinking-sucks">Why Positive Thinking Sucks</a> &mdash; If all you have is positive thinking, there's nowhere else to turn when things go south. Reframing events to help you deal with them while remaining optimistic is a healthier option. [A Daring Adventure]</p> <p><a href="http://www.popsugar.com/smart-living/Sleep-Facts-Tips-Insomnia-35132314">16 Solutions for Your Best Sleep Ever</a> &mdash; Warming up your hands and feet will help you fall asleep faster, so pull on those wool socks! [PopSugar Smart Living]</p> <p><a href="http://www.lifehack.org/articles/productivity/ultimate-productivity-hacks-you-need-try.html">Ultimate Productivity Hacks You Need to Try</a> &mdash; Do something useful on your commute, whether it's listening to a podcast while you drive or walking to work for the exercise. [Lifehack]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thousandaire.com/how-to-break-up-with-your-cable-provider/">How to Break Up With Your Cable Provider</a> &mdash; These days, all you need to satisfy almost all your entertainment needs are a streaming service and a device to play your shows and movies. [Thousandaire]</p> <p><a href="http://www.artofmanliness.com/2014/11/10/reviving-blue-collar-4-myths-about-the-skilled-trades/">Reviving Blue Collar Work: 4 Myths About the Skilled Trades</a> &mdash; Who says blue-collar work isn't creative or intellectually stimulating? The skilled trades simply offer a different kind of creative outlet than a trendy office job might. [The Art of Manliness]</p> <p><a href="http://www.shebudgets.com/health/nutrition/order-get-best-possible-nutrition-chipotle">What to Order to Get the Best Possible Nutrition at Chipotle</a> &mdash; Some extras are better for you than others. Go for some salsa or salad (no dressing), but skip the cream, cheese, and chips. [SheBudgets]</p> <p><a href="http://rhondasherwood.com/9-questions-think-planning-retirement/">9 Questions to Think About When Planning Your Retirement</a> &mdash; It's important to plan for medical and home care costs, as they will likely increase dramatically in the next 10-15 years. [Rhonda Sherwood]</p> <p><a href="http://parentingsquad.com/how-to-treat-a-stomach-virus">How to Treat a Stomach Virus</a> &mdash; It's important to stay hydrated, but don't only drink water. Drink clear broths or oral rehydration solutions, too, to replenish the electrolytes that you lose when you're sick. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-drive-more-efficiently">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-crazy-things-tomorrows-cars-will-do">8 Crazy Things Tomorrow&#039;s Cars Will Do</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/remove-car-dents-quickly-and-cheaply">Remove Car Dents Quickly and Cheaply</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-steps-you-must-take-if-youve-been-in-a-car-accident">10 Steps You Must Take If You&#039;ve Been in a Car Accident</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/repair-the-car-or-spend-the-cash">Repair the Car or Spend the Cash?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips efficient driving Fri, 14 Nov 2014 20:00:07 +0000 Amy Lu 1255177 at http://www.wisebread.com Best Money Tips: Secrets to Save Money on Gas http://www.wisebread.com/best-money-tips-secrets-to-save-money-on-gas <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-secrets-to-save-money-on-gas" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/gas-station-103582811-small.jpg" alt="gas station" title="gas station" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some amazing articles on secrets to save money on gas, things you'll be proud of doing, and things you are likely paying too much for.</p> <h2>Top 5 Articles</h2> <p><a href="http://bargainbabe.com/10-secrets-save-gas/">10 Secrets to Save Money on Gas</a> &mdash; To save money on gas, take advantage of grocery shopping rewards and don't wait until you are on empty to fill up. [BargainBabe]</p> <p><a href="http://www.popsugar.com/smart-living/Things-Do-Make-Yourself-Proud-34837079">17 Things You'll Be Proud of Doing</a> &mdash; Chances are you'll be proud of yourself for setting aside time for loved ones. [PopSugar Smart Living]</p> <p><a href="http://www.threethriftyguys.com/2014/09/5-things-you-are-likely-paying-too-much-for/">5 Things You Are Likely Paying Too Much For</a> &mdash; It is likely that you are paying too much for gas and entertainment. [Three Thrifty Guys]</p> <p><a href="http://staplerconfessions.com/index.php/how-to-make-money-selling-at-consignment-sales/">How to Make Money Selling at Consignment Sales</a> &mdash; It is important to carefully clean your items before you sell them at a consignment store. [Stapler Confessions]</p> <p><a href="https://www.creditkarma.com/article/key-moments-for-your-credit-score">3 Key Moments When Your Credit Score Matters</a> &mdash; Did you know that your credit score matters when you are moving? [Credit Karma]</p> <h2>Other Essential Reading</h2> <p><a href="http://moneysmartlife.com/convert-employer-individual-insurance/">How to Convert Employer-Paid Insurance to an Individual Policy Upon Layoff</a> &mdash; If you want to convert your employer-paid life insurance to an individual policy, check for a conversion provision. [Money Smart Life]</p> <p><a href="http://www.investopedia.com/articles/professionals/100314/top-ways-fund-your-new-business.asp">The Top Ways to Fund Your New Business</a> &mdash; When finding funding for your new business, consider borrowing money from the SBA. [Investopedia]</p> <p><a href="http://www.getrichslowly.org/blog/2014/10/08/i-want-christmas-to-be-debt-free/">I Want Christmas to Be Debt-Free</a> &mdash; To keep your Christmas debt-free, opt out of gift exchanges and don't buy &quot;hot&quot; gifts. [Get Rich Slowly]</p> <p><a href="http://www.fivecentnickel.com/2014/10/06/planning-a-fun-frugal-halloween/">Planning a Fun, Frugal Halloween</a> &mdash; Keep your Halloween fun and frugal by making your own costume and using what you already have to decorate. [Five Cent Nickel]</p> <p><a href="http://parentingsquad.com/5-ways-to-instantly-make-a-house-feel-like-a-home">5 Ways to Instantly Make a House Feel Like a Home</a> &mdash; Embracing knick knacks can make your house feel like a home. [Parenting Squad]</p> <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/best-money-tips-secrets-to-save-money-on-gas">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/five-reasons-why-i-love-public-transportation">Five Reasons Why I Love Public Transportation</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/running-the-numbers-on-the-bigger-car-what-s-your-cost-and-is-it-worth-it">Running the numbers on the bigger car: what’s your cost and is it worth it?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/it-bear-repeating-driving-slower-saves-you-money">It Bears Repeating - Driving Slower Saves Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them">A Used Car Salesman Reveals Dirty Tricks (and How to Beat Them)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-your-new-tires-really-6-year-old-ticking-time-bombs">Are your new tires really 6-year old ticking time-bombs?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips Cars gas saving Fri, 10 Oct 2014 19:00:05 +0000 Ashley Jacobs 1231316 at http://www.wisebread.com Best Money Tips: The Best Time to Buy a Car http://www.wisebread.com/best-money-tips-the-best-time-to-buy-a-car-0 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-best-time-to-buy-a-car-0" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-buying-car-99704034-small.jpg" alt="couple buying car" title="couple buying car" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on the best time to buy a car, online jobs for college students, and Warren Buffet's tips for investing.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Best-Time-Buy-Car-34024797">The Best Time to Buy a Car</a> &mdash; Did you know the best day of the week to buy a car is Sunday? [PopSugar Smart Living]</p> <p><a href="http://christianpf.com/online-jobs-college-students/">6 Online Jobs for College Students</a> &mdash; For college students looking to make some extra money, Swagbucks and writing blogs are a couple good online options. [Chrisitan PF]</p> <p><a href="http://thecollegeinvestor.com/3395/warren-buffetts-top-5-tips-investing/">Warren Buffet's Top 5 Tips for Investing</a> &mdash; Learn a lesson from Warren Buffet and remember that cash is king. [The College Investor]</p> <p><a href="http://theconsciousspender.wordpress.com/2011/08/11/summer-is-fun-when-money-is-involved/">Summer Is Fun When Money Is Involved</a> &mdash; When shopping for a summer pool party, take the opportunity to teach your kids a financial lesson by showing them the art of meal planning. [The Conscious Spender]</p> <p><a href="http://www.moneycrush.com/6-ways-to-improve-your-focus-and-beat-procrastination/">6 Ways to Improve Your Focus (and Beat Procrastination)</a> &mdash; If you want to improve your focus, turn off your technology and set a mini-goal. [Money Crush]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cheapsters.org/coffee-shop-workspace-etiquette-101/">Coffee Shop Workspace Etiquette</a> &mdash; When turning a coffee shop into your workspace, be sure to buy at least one thing for every three hours you spend working there. [Cheapsters]</p> <p><a href="http://luke1428.com/all-work-and-no-play-combating-the-dangers-of-workaholism/">All Work and No Play: Combating the Dangers of Workaholism</a> &mdash; To combat the dangers of workaholism, take the time to relax and reflect. [Luke 1428]</p> <p><a href="http://www.monicaonmoney.com/the-surprising-habit-thats-making-you-poor/">The Surprising Habit That's Making You Poor</a> &mdash; Did you know that social media usage can wreak havoc on your finances? [Monica On Money]</p> <p><a href="http://livingonthecheap.com/how-to-hire-handyman/">How to Hire a Good Handyman</a> &mdash; Sites like Angie's List can help you make sure you hire a good handyman. [Living on the Cheap]</p> <p><a href="http://parentingsquad.com/5-creative-ways-to-capture-vacation-memories">5 Creative Ways to Capture Vacation Memories</a> &mdash; Creating a photo wall is just one way to capture vacation memories. [Parenting Squad]</p> <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/best-money-tips-the-best-time-to-buy-a-car-0">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-to-drop-collision-coverage-on-your-car">When to drop collision coverage on your car</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dead-car-battery-give-it-a-glass-of-red-wine">Dead car battery? Give it a glass of red wine.</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/did-your-car-break-down-check-for-recalled-parts-and-fix-it-for-free">Did your car break down? Check for recalled parts and fix it for free!</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/giving-up-your-car-may-be-easier-than-you-think">Giving Up Your Car May Be Easier Than You Think</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-bank-of-gasoline-0">The Bank of Gasoline</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best best money tips car purchase time Wed, 13 Aug 2014 19:01:47 +0000 Ashley Jacobs 1183627 at http://www.wisebread.com Best Money Tips: Ways to Lower Your Car Insurance Premium http://www.wisebread.com/best-money-tips-ways-to-lower-your-car-insurance-premium <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-lower-your-car-insurance-premium" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/insurance-agent-134214747-small.jpg" alt="insurance agent" title="insurance agent" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some stellar articles on lowering your car insurance premium, helping friends who are bad with money, and what to buy in August.</p> <h2>Top 5 Articles</h2> <p><a href="http://smartmoneychicks.com/2995/5-ways-to-lower-your-car-insurance-premium/">5 Ways to Lower Your Car Insurance Premium</a> &mdash; If you want to lower your car insurance premium, ask about discounts and change your coverage. [Smart Money Chicks]</p> <p><a href="http://www.moneyunder30.com/how-to-help-friend-who-is-bad-with-money">Money Matters: How to Help a Friend Who Is Bad With Money</a> &mdash; To help a friend who is bad with money, point him or her in the direction of financial tools. [Money Under 30]</p> <p><a href="http://savingslifestyle.com/2014/07/what-to-buy-in-august/">What to Buy in August</a> &mdash; August is a great time to buy linens and bicycles. [SavingsLifestyle.com]</p> <p><a href="http://simplefinanciallifestyle.com/is-fear-preventing-you-from-simplifying-your-finances">Is FEAR Preventing You From Simplifying Your Finances?</a> &mdash; Just doing it and starting small can help you simplify your finances. [Simple Financial Lifestyle]</p> <p><a href="http://www.consumerismcommentary.com/depression/">How Depression Threatens Financial Well-Being</a> &mdash; Since depression causes people to not have the same thoughts as someone who isn't depressed, it can threaten their financial well-being. [Consumerism Commentary]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.frugalrules.com/frugal-tips-foodies/">3 Frugal Tips for Foodies Who Love Eating Out</a> &mdash; If you have a friend who is a foodie, take them to a restaurant week. [Frugal Rules]</p> <p><a href="http://www.savvysugar.com/Uses-Lemon-23121786">Beyond Lemonade: 25 Cool Uses for Lemons</a> &mdash; You can use lemons to disinfect wounds and refresh your garbage disposal. [PopSugar Smart Living]</p> <p><a href="http://frugalbeautiful.com/blog/iced-coffee-home-coffee-maker/">How to Make Iced Coffee at Home (Without a Coffee Maker)</a> &mdash; You don't need a coffee maker to make iced coffee. All you need is a jar, a strainer, and coffee grounds! [Frugal Beautiful]</p> <p><a href="http://ptmoney.com/dealing-with-small-business-debt/">3 Questions You Must Ask Yourself Before Dealing with Small Business Debt</a> &mdash; Before you deal with business debt, figure out the debt time frame. [PT Money]</p> <p><a href="http://parentingsquad.com/where-and-how-to-celebrate-world-breastfeeding-week-this-august">Where (and How) to Celebrate World Breastfeeding Week This August</a> &mdash; Did you know August is National Breastfeeding Month? [Parenting Squad]</p> <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/best-money-tips-ways-to-lower-your-car-insurance-premium">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-to-drop-collision-coverage-on-your-car">When to drop collision coverage on your car</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dead-car-battery-give-it-a-glass-of-red-wine">Dead car battery? Give it a glass of red wine.</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/14-things-insurance-agents-dont-want-you-to-know">14 Things Insurance Agents 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/did-your-car-break-down-check-for-recalled-parts-and-fix-it-for-free">Did your car break down? Check for recalled parts and fix it for free!</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/giving-up-your-car-may-be-easier-than-you-think">Giving Up Your Car May Be Easier Than You Think</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips car insurance Thu, 07 Aug 2014 19:00:04 +0000 Ashley Jacobs 1178258 at http://www.wisebread.com Best Money Tips: Maintain the Value of Your Car http://www.wisebread.com/best-money-tips-maintain-the-value-of-your-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-maintain-the-value-of-your-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family-car-88749620-small.jpg" alt="family car" title="family car" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on maintaining the value of your car, things you should buy in bulk, and organizational tools.</p> <h2>Top 5 Articles</h2> <p><a href="http://cashmoneylife.com/maintain-value-of-your-car/">Ten Ways to Maintain the Value of Your Car</a> &mdash; Getting the oil changed regularly and driving it easy can help you maintain the value of your car. [Cash Money Life]</p> <p><a href="http://www.cashthechecks.com/7-things-you-should-buy-in-bulk/">7 Things You Should Buy in Bulk</a> &mdash; You should consider buying toilet paper and vitamins in bulk. [Cash the Checks]</p> <p><a href="http://www.savvysugar.com/Organizational-Tools-35359021">Get Your Life Together With These 15 Types of Organizational Tools</a> &mdash; Desk organizers and DIY memory boards are just a couple tools that can help you get your life together. [PopSugar Smart Living]</p> <p><a href="http://www.getrichslowly.org/blog/2014/07/28/using-decisive-for-your-decisions/">Using &quot;Decisive&quot; for Your Decisions</a> &mdash; If you want to make smart decisions, find a way to be detached from your short-term emotions. [Get Rich Slowly]</p> <p><a href="http://moneysmartlife.com/early-retirement-higher-medical-bills/">How Early Retirement Could Mean Higher Medical Bills</a> &mdash; Did you know retiring at 62 instead of 65 could mean up to $51,000 more in medical bills? [Money Smart Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.stackthechips.com/6-purchases-that-pay-for-themselves/">6 Purchases That Pay For Themselves</a> &mdash; Reusable water bottles and programmable thermostats are a couple purchases that will pay for themselves. [Stack the Chips]</p> <p><a href="http://www.moneyunder30.com/easy-ways-to-save-money-on-your-wedding">Three Easy Ways to Save Serious Money on Your Wedding</a> &mdash; Save money on your wedding by renting a wedding dress. [Money Under 30]</p> <p><a href="http://www.fivecentnickel.com/2014/07/21/whos-the-boss-of-your-finances/">Who's the Boss of Your Finances?</a> &mdash; To take charge of your finances, stay informed and analyze your mistakes. [Five Cent Nickel]</p> <p><a href="http://www.threethriftyguys.com/2014/07/how-can-i-save-money-on-kids-sports-pictures/">How to Save Money on Kids Sports Pictures</a> &mdash; Taking your own pictures of your kids when they play sports can help you save. [Three Thrifty Guys]</p> <p><a href="http://parentingsquad.com/7-rules-for-the-21st-century-parent">7 Rules for the 21st Century Parent</a> &mdash; It is important to know your children's passwords (depending on their age) to keep them safe online. [Parenting Squad]</p> <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/best-money-tips-maintain-the-value-of-your-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-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-to-drop-collision-coverage-on-your-car">When to drop collision coverage on your car</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dead-car-battery-give-it-a-glass-of-red-wine">Dead car battery? Give it a glass of red wine.</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/did-your-car-break-down-check-for-recalled-parts-and-fix-it-for-free">Did your car break down? Check for recalled parts and fix it for free!</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/giving-up-your-car-may-be-easier-than-you-think">Giving Up Your Car May Be Easier Than You Think</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-bank-of-gasoline-0">The Bank of Gasoline</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips car value Fri, 01 Aug 2014 19:00:06 +0000 Ashley Jacobs 1173260 at http://www.wisebread.com Best Money Tips: The Car Edition http://www.wisebread.com/best-money-tips-the-car-edition <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-car-edition" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/car-shopping-478789579-small.jpg" alt="car shopping" title="car shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some of the best articles from around the web on keeping your car expenses from draining your bank account.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneyunder30.com/car-buying-tricks">Car Buying Guide: Tricks to Save Thousands</a> &mdash; Negotiating via phone or email and financing wisely can help you save thousands when buying a car. [Money Under 30]</p> <p><a href="http://www.savvysugar.com/Questions-Ask-Used-Car-Seller-31000145">8 Questions to Ask When Buying a Used Car</a> &mdash; When buying a used car, ask the seller for maintenance records. [PopSugar Smart Living]</p> <p><a href="http://sustainablepersonalfinance.com/16-driving-tips-to-improve-gas-mileage/">16 Driving Tips to Improve Gas Mileage</a> &mdash; You can reduce your gas mileage by using cruise control and checking your gas cap. [Sustainable Personal Finance]</p> <p><a href="http://www.budgetblonde.com/2013/07/26/buying-and-leasing-cars/">The Difference Between Buying and Leasing Cars</a> &mdash; If you move around a lot for work or pleasure, leasing a car may be a better option for you than buying one. [Budget Blonde]</p> <p><a href="http://www.thousandaire.com/how-to-protect-your-car-from-depreciation/">How to Protect Your Car from Depreciation</a> &mdash; Keeping your mileage down and holding onto your maintenance records can protect your car from depreciation. [Thousandaire]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.consumerismcommentary.com/save-money-at-the-gas-pump/">Save Money at the Gas Pump</a> &mdash; To save at the pump, maintain your car properly and plan your trips efficiently. [Consumerism Commentary]</p> <p><a href="http://www.dumblittleman.com/2007/01/20-ways-to-waste-money-on-your-car.html">20 Ways to Waste Money on Your Car</a> &mdash; Using a dealer for oil changes and not changing your fuel filter can end up costing you more on your car. [Dumb Little Man]</p> <p><a href="http://moneyqanda.com/car-salesmen-tricks-they-do-not-want-you-to-know/">Car Salesman Tricks They Do Not Want You to Know</a> &mdash; Car salesmen do not want you to know the car's real invoice cost. [Money Q&amp;A]</p> <p><a href="http://livingonthecheap.com/live-without-car/">How to Live Without a Car</a> &mdash; If you want to eliminate your car expenses entirely, consider using services like ZipCar. [Living on the Cheap]</p> <p><a href="http://parentingsquad.com/surviving-and-thriving-on-an-extended-car-trip-with-your-kids">Surviving and Thriving on an Extended Car Trip with Your Kids</a> &mdash; Packing treats (or &quot;bribes&quot;) can help make extended car trips with your kids a success and keep them frugal. [Parenting Squad]</p> <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/best-money-tips-the-car-edition">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/it-bear-repeating-driving-slower-saves-you-money">It Bears Repeating - Driving Slower Saves Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them">A Used Car Salesman Reveals Dirty Tricks (and How to Beat Them)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-your-new-tires-really-6-year-old-ticking-time-bombs">Are your new tires really 6-year old ticking time-bombs?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/would-you-drive-one-of-the-10-smallest-cars-ever-made">Would You Drive One of the 10 Smallest Cars Ever Made?</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> Cars and Transportation best money tips car Cars Fri, 18 Jul 2014 19:00:06 +0000 Ashley Jacobs 1146782 at http://www.wisebread.com Best Money Tips: Ways to Save on Gas http://www.wisebread.com/best-money-tips-ways-to-save-on-gas-0 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-save-on-gas-0" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pumping-gas-82635537-small.jpg" alt="pumping gas" title="pumping gas" class="imagecache imagecache-250w" width="250" height="148" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on saving on gas, upcycling ideas that will blow your mind, and how to keep your identity safe.</p> <h2>Top 5 Articles</h2> <p><a href="http://kiplinger.com/article/saving/T050-C000-S001-five-ways-to-save-gas-money.html?si=1">5 Ways to Save Gas Money</a> &mdash; Targeting the best day and time to buy gas can help you save at the pump. [Kiplinger]</p> <p><a href="http://www.savvysugar.com/Cool-Upcycling-Projects-24338804">221 Upcycling Ideas That Will Blow Your Mind</a> &mdash; Would you have ever thought to repurpose your old maps into coasters? [POPSUGAR Smart Living]</p> <p><a href="http://www.creditsesame.com/blog/5-minutes-safer-identity/">5 Minutes to a Safe Identity</a> &mdash; To protect your identity, check your bank accounts daily. [Credit Sesame]</p> <p><a href="http://www.moneytalksnews.com/2014/06/27/are-you-making-these-6-costly-college-planning-mistakes/">Are You Making These 6 Costly College Planning Mistakes?</a> &mdash; When planning for college, don't make the mistake of not understanding how 526 plans work. [Money Talks News]</p> <p><a href="http://www.mightybargainhunter.com/allowance-teaching-tool/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+mightybargainhunter+%28MightyBargainHunter.com%29">Five Keys to Making a Child's Allowance a Teaching Tool</a> &mdash; Make your child's allowance a teaching tool by making it so that eventually they outgrow their allowance and have to find other ways to make money. [Mighty Bargain Hunter]</p> <h2>Other Essential Reading</h2> <p><a href="http://sustainablelifeblog.com/tips-save-energy-costs-mercury-rises/">Tips to Save on Energy Costs as Mercury Rises</a> &mdash; Adding some shade to the sunny side of your home can help you reduce your energy costs this summer. [Sustainable Life Blog]</p> <p><a href="http://parentingsquad.com/7-things-your-family-can-give-up-to-make-your-summer-more-sane">7 Things Your Family Can Give Up to Make Your Summer More Sane</a> &mdash; To make your summer more sane, your family can give up long car trips and enrichment activities. [Parenting Squad]</p> <p><a href="http://www.bargaineering.com/articles/ready-insurers-car-happened-accident.html">Be Ready for Insurers to Ask Your Car What Really Happened in an Accident</a> &mdash; If you are in an accident, your insurer may ask to download data from your car to find out if you are giving an accurate account of the accident. [Bargaineering]</p> <p><a href="http://www.moneycrashers.com/part-time-jobs-health-insurance-benefits/">11 Best Part-Time Jobs With Health Insurance Benefits</a> &mdash; Costco and Lowe's offer health insurance benefits for part-time employees. [Money Crashers]</p> <p><a href="http://www.smartasset.com/blog/personal-finance/top-4-budgeting-tips-for-new-parents/">Top 4 Budgeting Tips for New Parents</a> &mdash; Are you a new parent? Be sure to add up your out-of-pocket medical expenses. [SmartAsset Blog]</p> <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/best-money-tips-ways-to-save-on-gas-0">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-gas-dont-make-left-hand-turns">Save gas; don&#039;t make left-hand turns.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-gas-by-safely-following-trucks">Save More Gas by Safely Following Trucks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-do-you-spend-money-to-save-time">How do you spend money to save time?</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-cheap-ways-to-save-money-on-gas">8 Cheap Ways to Save Money on Gas</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-gasoline-pump-y2k-problem">The Gasoline Pump &quot;Y2K&quot; Problem</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips gas money save Mon, 07 Jul 2014 19:00:05 +0000 Ashley Jacobs 1152747 at http://www.wisebread.com A Used Car Salesman Reveals Dirty Tricks (and How to Beat Them) http://www.wisebread.com/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/car-salesman-151336938-small.jpg" alt="car salesman" title="car salesman" class="imagecache imagecache-250w" width="250" height="146" /></a> </div> </div> </div> <p>Used car salesmen are generally portrayed in the media as sleazy, greasy guys in too-tight polyester suits that are trying to take you for a ride &mdash; and not just in that lemon sitting on the lot. Of course, not all used car salesmen fit that stereotype, but at least part of that image is accurate: There are dirty tricks that they're putting into action to get that bill of sale signed&hellip; by you. (See also: <a href="http://www.wisebread.com/17-things-car-salesmen-dont-want-you-to-know?ref=seealso">17 Things Used Car Salesmen Don't Want You to Know</a>)</p> <p>Jason Lancaster made a living as a used car salesman for a decade &mdash; at an &quot;upstanding dealership,&quot; he says &mdash; but he's now committed to exposing the less-than-ethical business practices because he believes that &quot;customers deserve better.&quot; He left the car business in 2007 and started a website &mdash;<a href="http://www.accurateautoadvice.com">Accurate Auto Advice</a> &mdash; devoted to sharing accurate advice and information with consumers. According to Jason, &quot;The mission of the site is to give consumers advice that's 100% true. A lot of the info I see about car buying is false or misleading, and I'm trying to correct that.&quot;</p> <p>Lancaster exposes some of the more dastardly car-buying schemes in the following four tactics &mdash; and some advice about combatting them.</p> <h2>1. The Scream</h2> <p>Think of &quot;The Scream&quot; tactic as a riff on the good cop/bad cop scenario. The gist of it is that the buyer wants a certain car or a certain price that the dealer doesn't have or can't match. At the same time, the buyer says that they're not ready to buy at the moment. Instead of sending the buyer on their way without any hope of getting what they want &mdash; which, in truth, isn't available &mdash; the salesperson plants a seed that what the buyer wants may be available when he or she is ready to buy and suggests that they contact the dealer before they make any decisions at another dealer.</p> <p>&quot;Then, you sit back and wait for the phone call,&quot; says Lancaster. &quot;If the customer calls you for an unbelievable price, you tell them that you remember what they want and they need to come in to complete the deal. They come down to the dealership believing that you're going to meet their price, get their car, etc., and THEN you tell them the bad news.&quot;</p> <p>That's where the namesake &quot;scream&quot; comes in. Angry that they came back to a dealer that isn't willing to give them what they want when it was suggested that they would, the buyer, in theory, takes their frustration out on the salesperson &mdash; or the bad cop, if you will. And that's when the good cop &mdash; the manager, in most cases &mdash; comes in to seal the deal.</p> <p>Lancaster continues, &quot;The manager comes over, apologizes, then explains how the customer wanted a price that wasn't realistic (or a car that isn't available), that $XX is the very best price there is, offers to throw in a freebie, and makes the deal. If the salesperson is sufficiently scolded, and the manager is good at calming people down, it can work OK.&quot;</p> <p>The problem with this scenario, as Lancaster points out, is that the buyer no longer trusts the salesperson, which means that they'll never come back to them again. &quot;It's great in the short term, but really damaging to the dealership in the long term, so a lot of dealers won't permit it.&quot;</p> <h3>How to Avoid The Scream</h3> <p>First, don't let on that you're not ready to buy right now. That's basically where this scheme begins. Instead, inform the salesperson that you're looking for a car, and you want to find the best price possible, so you're keeping your options open by visiting other dealerships.</p> <p>To flip this tactic on its head altogether, round up a few prices on comparable cars from area dealers and bring them to the table with each salesperson. If the salesperson doesn't want to be competitive, and you don't feel like you're getting the best or fairest deal possible, walk. Simple as that. If they want your business, they'll work with you to find the most reasonable deal for the dealership and for you.</p> <h2>2. Rolling a Car They Know You Can't Finance</h2> <p>What's a dealership manager to do when he wants to move a vehicle off the lot, but he's dealing with a buyer who won't agree to make a sufficient or realistic down payment or who has bad credit with no chance of getting a good finance rate? Lancaster says there are two choices:</p> <ul> <li>The salesperson can tell the buyer what a realistic interest rate will be, and what that means for their payment; or<br /> &nbsp;</li> <li>The salesperson can tell the buyer whatever they want to hear about interest rates, have them sign paperwork and take delivery, then call them back in a week or so and tell them the terms have changed.</li> </ul> <p>Did you just have a WTF moment, too? Truth is this tactic works &mdash; and it's still used fairly often for three important reasons, according to Lancaster:</p> <ol> <li>People want to believe the dealer tried to get them a good interest rate, says Lancaster. &quot;If you bring them back, show them all the decline notices from the banks, etc., you can prove to them that you tried. Then they'll admit their credit is bad and agree to a higher interest rate and payment.&quot;<br /> &nbsp;</li> <li>People usually show their new car off to friends and family, often the day they get it or the day after. Losing the car a week later would be embarrassing, so people will often pay more just to avoid that embarrassment.<br /> &nbsp;</li> <li>Most dealerships make customers sign something called a &quot;bailment agreement&quot; that says the dealership can charge a very high fee for the use of the vehicle if financing falls apart, according to Lancaster. &quot;When I was in the business, bailment was $50 a day and $0.50 a mile. If someone drives a car for a week, that's $500+. That's a big cash penalty a lot of people don't want to pay.&quot;</li> </ol> <h3>How to Avoid This Trick</h3> <p>To avoid the dealer changing your finance rate after you take delivery, consider these three suggestions:</p> <ol> <li>Secure financing before you arrive at the dealer; or<br /> &nbsp;</li> <li>Request that the dealer show you a copy of the bank approval (they can print it out and show you easily enough); and/or<br /> &nbsp;</li> <li>Don't sign a bailment agreement, at least not one that specifies payment of a penalty for miles driven and days of use.</li> </ol> <p>&quot;The bailment agreement is typically the first or last document the dealer will show you,&quot; says Lancaster. &quot;If you see anything that says you agree to pay for vehicle use should financing fall through, don't sign it. However, understand that this may keep you from buying a car if you have poor credit. Sometimes, people with poor credit don't have much of a choice, unfortunately.&quot;</p> <h2>3. &quot;This Is the Finance Rate the Bank Came Back With&quot;</h2> <p>As you may know, dealers can make a percentage of a vehicle's interest rate if they can mark it up. One of the easiest ways to mark up interest rates is to bring a customer into the finance office, ask them a series of probing questions about their credit report, make a show of submitting something to &quot;the bank,&quot; then showing them a piece of paper and saying, essentially, &quot;this is what the bank came back with.&quot;</p> <p>Another dirty trick, of course, but it works.</p> <p>&quot;The customer assumes that whatever you're showing them is the actual interest rate they qualified for, not realizing that the dealership has marked the interest rate up 2% to 3%&quot; Lancaster explains. &quot;This is done all the time. Even at nice dealerships. Even today.&quot;</p> <h3>How to Avoid This Trick</h3> <p>The best way to avoid this trap? Join a credit union and ask them for pre-approval on a vehicle loan. Credit unions almost always offer excellent finance rates. From personal experience, I can tell you that my husband has done this in the past, and it's always resulted in a smoother negotiation. Lancaster echoes that sentiment and offers an additional tip: &quot;If you can't join a credit union, I'd go online and see what you can do to secure a loan from one of the lenders that partner with <a href="http://www.edmunds.com/">Edmunds.com</a>, <a href="http://www.cars.com/">Cars.com</a>, etc.&quot;</p> <h2>4. Failing to Disclose Damage</h2> <p>Prior damage to a vehicle will almost certainly play a part in your decision to buy a particular used car. But how do you know what that car has endured? Unfortunately there's no easy way to find this out &mdash; and it's not entirely the fault of the salesman or dealer.</p> <p>&quot;Depending on the damage and the state you live in,&quot; Lancaster says, &quot;dealers may not be under any legal obligation to disclose a vehicle's prior history. The vehicle could be a 'lemon' (manufacturer buy-back), it could have suffered damage while on the dealership's lot, it could have substantial body damage &mdash; and the dealership doesn't have to say a word about it.</p> <p>&quot;While a CARFAX report can help, CARFAX reports are often incomplete. I've seen CARFAX reports that are missing considerable information, to the point where it makes me doubt the quality of their service. In any case, dealers will lie about damage or problems because they're under no obligation to tell the truth, and the consumer can't prove the dealership lied after the fact.&quot;</p> <h3>How to Avoid This Trick</h3> <p>So what can you do to at least try to get the most up-to-date, complete, and accurate information about the vehicle? The answer here isn't the most appealing, but it's sort of a better-safe-than-sorry situation.</p> <p>&quot;The best way to protect yourself is to pay for an independent vehicle inspection and buy a CARFAX or AutoCheck report,&quot; advises Lancaster. &quot;A good inspector can usually spot a vehicle with undisclosed damage, and CARFAX/Autocheck reports are usually good about indicating if a car is a manufacturer buy-back (AKA someone else's lemon).&quot;</p> <p>If you choose to go this route, there are mobile used car inspection services in most medium-sized cities. If you live in a small town, you can take your car to the nearest independent mechanic and ask them to look it over.</p> <h2>How to Beat a Used Car Salesman</h2> <p>In addition to revealing these trickster tactics, Lancaster also has advice for car buyers, so you can walk into the dealership knowledgeable and (hopefully) maintain the upper hand.</p> <h3>Buy From a Reputable Franchise</h3> <p>Buy from a franchised new car dealership, as most of these &quot;tricks&quot; won't fly. New car dealers are carefully monitored by state authorities and the automakers they represent, so they're very careful.</p> <h3>Get It Inspected</h3> <p>Have whatever it is you're buying professionally inspected. It costs $100 to $150, and it's worth every penny.</p> <h3>Secure Financing First</h3> <p>Arrange financing at the local credit union then ask the dealer if they can beat that rate. Outside of a credit union, most of the larger banks have some sort of auto finance program, and most of the popular car sites have a partnership with finance companies.</p> <p><em>Have you ever scored a great deal on a used car from a dealership? How did you do it? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-on-your-new-car-send-mom-not-dad-to-the-dealer">Save on Your New Car: Send Mom, Not Dad, to the Dealer</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/why-is-gasoline-so-cheap-a-cost-comparison-of-40-common-household-liquids">Why is Gasoline So Cheap? A Cost Comparison of 40 Common Household Liquids</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/car-buying-part-2-into-the-devils-domain">Car Buying Part 2 – Into the Devil&#039;s domain.</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/12-cheap-ways-to-make-your-car-look-awesome">12 Cheap Ways to Make Your Car Look Awesome</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping car dealerships Cars scams shopping used car Thu, 03 Jul 2014 13:00:04 +0000 Mikey Rox 1153218 at http://www.wisebread.com 14 Things Insurance Agents Don't Want You to Know http://www.wisebread.com/14-things-insurance-agents-dont-want-you-to-know <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-things-insurance-agents-dont-want-you-to-know" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/senior-insurance-178525693-small.jpg" alt="senior insurance" title="senior insurance" class="imagecache imagecache-250w" width="250" height="153" /></a> </div> </div> </div> <p>Ignorance is bliss.</p> <p>The less that you know about how insurance works, the happier insurance agents are. As friendly as geckos, generals, cavemen, and ducks may look on TV, you shouldn't forget that insurance is a multi-billion dollar industry. These companies are out there to make money. It is the job of insurance agents to make as much as they can, too.</p> <p>Here are 14 things that insurance agents don't want you to know.</p> <h2>General Tips</h2> <p>Let's start with some tips that apply to several types of insurance.</p> <h3>1. Non-Smokers Pay Less</h3> <p>Non-smokers pay less than smokers for any type of insurance, including car insurance, home insurance, and life insurance. If you don't see a non-smoker discount listed on your policy, call your company and ask about it. Usual discounts for non-smokers range from 5% to 15%.</p> <h3>2. Quick Settlements Are Often Not the Best Deal</h3> <p>A quick settlement offer is never a good sign. This means that you are entitled to a payout, but the insurance agent is aware that if you look into it, you could get more. Remember that insurance companies are for-profit, so don't fall for those &quot;get on with your life&quot; and &quot;put this tragedy behind you&quot; comments. Take the time to carefully review a settlement offer before you accept it.</p> <h3>3. Payouts Can Be Extremely Slow</h3> <p>The airline insurance industry is an example of how slow insurance payouts can be. Lawyers are speculating that the litigation for <a href="http://fortune.com/2014/05/01/the-big-money-surprise-about-malaysia-airlines-flight-370/">Malaysia Airlines flight MH370</a> could take five years, with some families waiting up to 10 years for compensation. Airline insurance litigation in the U.S. can be complex as different states have different caps on damages for victims, so lawyers battle to file suits in states that benefits their clients. For example, in 1949 an <a href="http://ghostsofdc.org/2012/02/27/planes-collide-near-national-airport-killing-55-d-c-loses-home-rule-advocate/">Eastern Airlines plane</a> was cut in half. One half fell in Virginia, where then the cap was set at $15,000, and the other on Washington, D.C., where there is no cap.</p> <h3>4. Low, Low Premiums Can Hide Real Costs</h3> <p>Some insurance agents present you a quote so low that you won't believe your eyes. The reason that the quote is so low is that you would be opting for high deductibles and low coverage limits. These cookie-cutter policies may not only be a bad fit for you, but also end up costing you a lot in case of a claim.</p> <p>To avoid falling for a low-ball price and inappropriate insurance, compare apples to apples by requesting a quote for a policy with the exact same features. Take a second look at any quote that is way below the price of the others.</p> <h2>Car Insurance</h2> <p>Don't fall for cute mascots and look deeper into the coverages for those policies.</p> <h3>5. Credit Score Is a Major Criteria</h3> <p>Not used by just money lending institutions, credit scores provide insurance companies a look at your credit history as a predictor of potential payouts. The FTC also agrees that <a href="http://www.ftc.gov/reports/credit-based-insurance-scores-impacts-consumers-automobile-insurance-report-congress-federal">credit scores are effective predictors</a> of risk for auto insurance policies. This is why insurance agents request your social security number &mdash; so that they can pull up your credit report.</p> <p>Despite the validation by the FTC, this practice has been labeled as discriminatory by many consumer advocacy groups. Those struggling with debt or starting to build their credit history are hit with another big bill. This is why the states of California, Hawaii, and Massachusetts have prohibited car insurance companies from using credit-based insurance scores. (See also: <a href="http://www.wisebread.com/how-to-improve-your-credit-score?ref=seealso">How to Improve Your Credit Score</a>)</p> <h3>6. If You Move or Change Insurance, You Get a Refund</h3> <p>It is a good practice to pay your car premiums in a lump-sum payment because you prevent insurance agents from tacking on a &quot;convenience fee&quot; to smaller payments. However, this doesn't mean that they have all of your money for good. They have to earn it. Your lump sum payment covers several months, so if you have to move to another state, the insurance company owes you a refund for the unused months.</p> <p>Make sure to check the fine print on your policy before cancelling. Some companies may have an early termination fee or require a 30-days notice. Also, plan to have new insurance already in place when the old one is done.</p> <h3>7. &quot;Optional Coverages&quot; May Be Necessary</h3> <p>Insurance agents have to meet sales quotas. Sometimes they may suggest to leave certain &quot;optional coverages,&quot; such as underinsured motorist coverage, to lower your quote and get you to sign.</p> <p>For example, residents of California, Colorado, Georgia, Illinois, Ohio, and Louisiana are not mandated to get coverage for underinsured drivers. Still, it is a good idea to get it. Across the U.S. about <a href="http://www.insurance-research.org/sites/default/files/downloads/IRCUM2011_042111.pdf">one in seven drivers</a> is uninsured. But in some states, such as Florida, Oklahoma, Mississippi, New Mexico, and Tennessee, the estimated percentage of underinsured motorists is 24% and above.</p> <p>If you are the sole breadwinner in your family, does it make sense to risk the chance of a huge, unexpected bill?</p> <h3>8. You Don't Have to Speak to the Other Guy's Claims Adjuster</h3> <p>Just like in those cop dramas, &quot;you have the right to remain silent and everything you say may be used against you in a court of law.&quot; In the case of a car accident, the claims adjuster from the other party might claim that she &quot;must&quot; have your recorded statement or &quot;requires&quot; your medical records.</p> <p>Don't cave in to these requests, unless ordered by a court or other authority, because the claims adjuster is trying to gather evidence against you. Even your most innocent comment could be twisted as an attempt to delay or deny your claim.</p> <h3>9. &quot;Captive Agents&quot; Cannot Offer You the Best Deal</h3> <p>For the next 30 seconds, write down all the car insurance companies that you can think of. Once the time is up, count how many you got. Three? Five? Ten?</p> <p>Here is some food for thought: There are about <a href="http://www.cheapcarinsurancequotes.com/car-insurance-companies/">100 car insurance companies</a> in the U.S. By only looking up the quotes from two or three companies, you're decreasing your chances of getting the best possible price for your insurance. On top of that, an insurance agent from a company can offer you only options that that company sells. Don't fall for their online comparison tables because those quotes are not accurate &mdash; they are just estimates. The final price can only be achieved by considering your credit score, driving history, and other factors.</p> <p>The easiest way to cover the most ground is to work with an independent insurance agent. She represents several insurance companies, so she is not limited to offer you products from a single company.</p> <h3>10. Rental Car Insurance May Be Unnecessary</h3> <p>Check what your policy has to say about car rentals. You may be surprised that your car policy may provide sufficient coverages. Also, some <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about">credit cards</a> offer rental car insurance when using them as form of payment.</p> <p>Before you rent a car the next time, make sure to have read the contracts from your existing car insurance and credit card(s). Remember that personal auto insurance often doesn't cover rentals for business use.</p> <h2>Home Insurance</h2> <p>Home sweet &quot;appropriately insured at the right price&quot; home.</p> <h3>11. Force-Placed Insurance Is Expensive</h3> <p>While home insurance is necessary, it doesn't need to be prohibitively expensive. Some banks will try to issue you a Force-Placed insurance, which is very expensive and provides the bank a kickback from an insurance company. This practice is not only unfair to the homebuyer, but also illegal in the eyes of the <a href="http://www.consumerfinance.gov/regulations/2013-real-estate-settlement-procedures-act-regulation-x-and-truth-in-lending-act-regulation-z-mortgage-servicing-final-rules/#date">Consumer Financial Protection Bureau</a>.</p> <p>Make sure to read all letters from your lender because they have to provide a written notice in case of a Force-Place insurance policy. If the bank is trying to force you into a insurance policy, find an alternative policy that meets the required coverages (e.g. hazard insurance, replacement cost) but at a lower price. If you are able to find an appropriate policy, contact your lender to cancel the forced policy immediately.</p> <h3>12. Little Known Home Insurance Coverages</h3> <p>Your home insurance policy may be stronger than you think. Here are some lesser-known coverages:</p> <ul> <li>If you're out of power for several days due to a natural disaster and your refrigerator is full of food that goes bad, you may be able to claim compensation.<br /> &nbsp;</li> <li>Your children's property is protected by your homeowner's insurance as long they are living in campus dorms.<br /> &nbsp;</li> <li>Home updates required by law, such as a storm cellar, may be covered by your home insurance.</li> </ul> <p>Check your home insurance policy for more details. (See also: <a href="http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance?ref=seealso">8 Surprising Things Covered by Home Insurance</a>)</p> <h3>13. Private Mortgage Insurance Can Be Removed</h3> <p>The <a href="http://www.federalreserve.gov/boarddocs/supmanual/cch/hpa.pdf">Homeowner's Protection Act</a>requires homebuyers, who finance more than 80% of a new home's value, to purchase Private Mortgage insurance (PMI). This is an expense that you have to keep for several years. The good news is that once your loan-to-value ratio is close to 20%, you can request your lender to remove PMI from your mortgage.</p> <p>Here is an overview of requirements:</p> <ul> <li>No second mortgages on your home</li> <li>Current on all payments by the anticipated cancellation date</li> <li>No late payments within the last two years</li> <li>Good credit score</li> <li>No dramatic market value change of home</li> </ul> <p>Finally, here is a type of policy that is so easy for insurance agents to sell that it deserves a mention of its own.</p> <h3>14. Disease-Specific Insurance</h3> <p>The slight mention of AIDS and cancer are enough to send a shiver down anyone's spine. This is why policies for these diseases are an easy sell for insurance agents. By preying on your fear, they get you to hand over cash for something that you may never use.</p> <p>If you have a health plan or life insurance, you may be already covered for these diseases. By duplicating the coverages, you're just wasting money. If a specific disease runs in your family, get a comprehensive health plan that includes treatment for that specific disease.</p> <p><em>What are some other things insurance agents don't want you to know?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/14-things-insurance-agents-dont-want-you-to-know">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/repair-the-car-or-spend-the-cash">Repair the Car or Spend the Cash?</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/not-insuring-these-6-things-could-bankrupt-you">Not Insuring These 6 Things Could Bankrupt You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-to-drop-collision-coverage-on-your-car">When to drop collision coverage on your car</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance">8 Surprising Things Covered by Homeowner&#039;s 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/getting-by-without-a-job-part-3-cut-spending">Getting by without a job, part 3--cut spending</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Real Estate and Housing car insurance homeowner's insurance insurance life insurance Mon, 23 Jun 2014 09:00:05 +0000 Damian Davila 1145900 at http://www.wisebread.com Do These 5 Car Maintenance Tasks and Keep Your Car on the Road Forever http://www.wisebread.com/do-these-5-car-maintenance-tasks-and-keep-your-car-on-the-road-forever <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/do-these-5-car-maintenance-tasks-and-keep-your-car-on-the-road-forever" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/car-inspection-173299274-small.jpg" alt="car inspection" title="car inspection" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>You know the feeling: You start the car, and there's a weird noise. Or the check engine light starts to flash halfway into a road trip. Or before leaving for work you discover a disturbing pool of liquid under the car. Pangs of fear course your nervous system, and you frantically check your online banking portal to see if taking the car in will kill your budget. (See also: <a href="http://www.wisebread.com/6-slick-tools-to-save-money-on-car-repairs?ref=seealso">6 Slick Tools That Can Help You Save on Car Repairs</a>)</p> <p>All it takes is some foresight to take some preventative measures that keep you from needing major repairs or even replacing your car. You can pay small amounts of money and time for minor improvements in the present that will save you lots of money in the future. Here are five types of maintenance that could save you from costly repairs or even needing a new car.</p> <h2>1. Regular Oil Changes</h2> <p>The average car needs an oil change every 3,000 to 7,000 miles, depending on your car and how often you drive it. At the very least, you should know where and how to check your car's dipstick or gauge to monitor the oil level. It doesn't hurt to learn <a href="https://www.youtube.com/watch?v=nng2Ey3z8to">how change your own oil</a>, either &mdash; that would save you about $40 every few months, and up to $200 a year!</p> <h2>2. Replace the PCV Valve</h2> <p>You car's positive crankcase ventilation, or <a href="http://www.agcoauto.com/content/news/p2_articleid/197">PCV valve</a>, is an important hub that ensures pressure is being relieved. This prevents such costly events as sludge buildup or engine oil leaks, which over time cause expensive damage to the engine. The PVC valve itself costs only $25, and remembering to change it out every 30,000-40,000 miles would prevent up to $1,000 in engine damage! The math is clearly in your favor. This is typically a repair that a confident DIYer can handle.</p> <h2>3. Brake Inspections</h2> <p>Oh, the brakes. So many things can go wrong. If you live in an area with tons of traffic (ahem, Los Angeles), you are putting crazy wear and tear on your brakes. The easiest thing you can do on your own is have your <a href="http://www.allstate.com/tools-and-resources/car-insurance/check-brake-pads.aspx">brake pads</a> inspected every 3-6 months, depending on your mileage. Not checking for wear early and often can lead to exorbitant rotor and disc repairs and replacements.</p> <h2>4. Replace Timing Belt</h2> <p>The timing belt is a crucial piece of simple machinery that synchronizes the turns of the crankshaft and camshaft(s). This ensures the valves, cylinders, and other components work well. If not replaced, the belt could fail while driving, which would cut the engine and potentially cause engine damage before the car slows to a halt (up to $2500 worth). <a href="http://www.motoringassist.com/motoring-advice/car-maintenance/engine-and-transmission/guide-servicing-timing-belt-replacement/">Change the belt</a> every 60,000 miles.</p> <p>This is not, however, an inexpensive maintenance item. Shop around and ask your mechanic to look at other items, such as possible oil or radiator fluid leaks, which may be more accessible while the timing belt is being replaced. You may be able to bundle the services and save. (See also: <a href="http://www.wisebread.com/save-time-money-and-hassle-by-bundling-your-home-repairs?ref=seealso">Save Time and Money by Bundling Your Home Repairs</a>)</p> <h2>5. Prevent Rust</h2> <p>It seems simple, but in many areas of the US, it's unavoidable. Driving in a rainy, snowy climate can be a costly combo. Rust may be unsightly, but it can also cause other problems. Be careful to not let rust spread on your engine, chassis, exhaust system, frame, and trunk, because it can cause unsafe corrosion. Take simple measures to prevent it from spreading, such as a <a href="http://www.treehugger.com/green-home/rust-never-sleeps-you-can-stop-it.html">salt and lime treatment</a>.</p> <p><em>Any other simple or affordable car maintenance items that your regularly perform? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/do-these-5-car-maintenance-tasks-and-keep-your-car-on-the-road-forever">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-gas-by-safely-following-trucks">Save More Gas by Safely Following Trucks</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/cash-for-clunkers-bill-passed-by-congress-what-does-it-mean-for-consumers">&quot;Cash for clunkers&quot; bill passed by Congress - what does it mean for consumers?</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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them">A Used Car Salesman Reveals Dirty Tricks (and How to Beat Them)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Cars and Transportation automotive Cars mechanic Fri, 06 Jun 2014 11:00:19 +0000 Amanda Meadows 1141811 at http://www.wisebread.com