Cars and Transportation http://www.wisebread.com/taxonomy/term/4812/all en-US 6 Times When It's Okay to Drop Insurance http://www.wisebread.com/6-times-when-its-okay-to-drop-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-times-when-its-okay-to-drop-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_summer_happy_000034797820.jpg" alt="Woman learning when it&#039;s ok to drop insurance coverage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you really want to be safe, you could buy insurance for just about everything in your life. You can insure your car, home, life, possessions, and can even buy insurance to cover your funeral costs. But with all of that money going out the door, you might not have enough left over to enjoy those things you're insuring.</p> <p>Sometimes, the costs of insurance outweigh the benefits, and the money spent on premiums could be better spent elsewhere. Here are six times when it's worth considering dropping insurance coverage.</p> <h2>1. Collision Coverage</h2> <p>Collision coverage protects your car if it's damaged or suffers a total loss in an accident. If you're still paying off or leasing a car, your lender may require such coverage until you own the car outright.</p> <p>But because vehicle values depreciate every year, the insurer will only pay up to the actual cash value of your car after you've paid the deductible. A vehicle's condition is also factored, so knowing every year your car's actual cash value &mdash; or Blue Book value &mdash; can help you determine if you should drop collision coverage.</p> <p>One rule of thumb is to skip collision coverage if the vehicle's cash value drops below $4,000. The cost of insurance for a low value car could cost more than the total vehicle repair and replacement costs in an accident.</p> <p>Another rule is that if collision insurance costs more than 10% of the value of the car, then it's worthwhile to drop it and put that savings aside for a new car. For example, if collision coverage costs $200 a year on a car valued at $2,000, it's worth keeping the premium for yourself.</p> <p>However, if you don't have enough money set aside to pay for a major vehicle repair after an accident, then you may want to keep collision coverage.</p> <p>With or without collision coverage, you'll still need liability insurance to cover repairs to property damaged by your car in an accident.</p> <p>You also may want to consider where you're driving before dropping collision insurance. Some areas aren't as safe as they might seem, according to Auto Insurance Center. Some rural areas are <a href="http://www.autoinsurancecenter.com/americas-deadliest-driving-counties-and-states.htm">more deadly to drive in</a> than urban areas, the site found.</p> <h2>2. Comprehensive Auto Insurance</h2> <p>This type of auto insurance is usually sold together with collision coverage. Your insurance company may require having both. A comprehensive-only policy may be limited to special circumstances, such as for a classic car that's rarely driven.</p> <p>Comprehensive coverage covers you if the car is stolen, vandalized, or is damaged by fire, weather, natural disasters, or acts of God. It also provides coverage if you hit a house in a one-car accident, a deer or other animal runs into your car, you hit a fence, or experience damage in a riot.</p> <p>Like collision coverage, it could be worthwhile to drop comprehensive coverage if your car isn't worth much and repairing such damage would be more than the value of the car.</p> <p>However, comprehensive is usually a small part of an insurance premium, and you may not be able to drop it unless you also drop collision coverage.</p> <h2>3. Rental Reimbursement</h2> <p>Some insurers include rental car reimbursement in their policies. You may need a rental car if your car is damaged in an accident and is at an auto shop for a few days. But if the accident is someone else's fault, their insurance may pay for your rental car. If you're at fault, it's your expense.</p> <p>Check to see how much you're paying each month, or year, for this type of insurance, and determine if the costs outweigh what you'd pay yourself for renting a car. Is it worth the chance you'll need it?</p> <h2>4. Roadside Assistance</h2> <p>The same logic goes with roadside assistance sold with your car insurance. Chances are you rarely use it and that you have it mainly for the peace of mind when you get on the road.</p> <p>You may already have duplicate coverage by having AAA, OnStar, or some other service, so dropping this insurance coverage is a no-brainer. Or it may be cheaper to call a friend, relative, or even a tow truck when you're out of gas or need a flat fixed.</p> <h2>5. Term Life Insurance</h2> <p>Having term life insurance is meant for exactly that: a &quot;term&quot; of your life. It's a common type of insurance to buy when starting a family, so that your spouse and children aren't left without income if you die during your working life.</p> <p>But if your children are in college and no longer live at home, or you're retired, then extending a term policy may not be worthwhile.</p> <h2>6. Insurance Riders</h2> <p>As part of your homeowners insurance, you may have bought riders to cover expensive items that aren't covered under a normal policy. These can include expensive artwork, jewelry, or heirlooms you've inherited.</p> <p>If you've sold such things or donated them to charity and no longer own them, then it's time to drop these insurance riders.</p> <p>Having too much insurance is an enviable problem. Whether it's life insurance or over-insuring a home and its possessions, it's a good idea to check with your insurance agent each year to determine if you have too much (or not enough) coverage.</p> <p><em>What types of insurance coverage have you dropped?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/6-times-when-its-okay-to-drop-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/when-to-drop-collision-coverage-on-your-car">When to drop collision coverage on your car</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/repair-the-car-or-spend-the-cash">Repair the Car or Spend the Cash?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-mechanical-breakdown-insurance-worth-it">Is Mechanical Breakdown Insurance Worth It?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-your-car-stolen">How to get your car stolen</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-tips-to-save-on-car-insurance">4 Tips to Save on Car Insurance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Insurance auto collision coverage premiums rentals Wed, 06 May 2015 11:00:24 +0000 Aaron Crowe 1408966 at http://www.wisebread.com Get 20% Off Uber with Capital One http://www.wisebread.com/get-20-off-uber-with-capital-one <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-20-off-uber-with-capital-one" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_paying_for_uber_000042037726.jpg" alt="Woman paying for her Uber ride" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Uber just got a lot cheaper &mdash; 20% cheaper &mdash; for <a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Capital One Quicksilver</a> or QuicksilverOne cardholders. Now through next April, cardholders will get 20% back on all Uber rides, on top of the 1.5% cash back they already earn with their card. There is no need to sign up! Just pay with your card and automatically get 20% back as statement credit.</p> <p>Haven't tried Uber yet? Now's the time. For a limited time, eligible Capital One cardholders who are new to Uber can receive their first two rides free (up to $30 per ride). Just create a new Uber account or access an existing account, enter the code CAPITALONE by June 30, 2015, and then pay with an eligible Capital One card to claim the free rides. Cardholders will have until April 30, 2016 to redeem both free rides. This offer can only be used domestically, is not available for corporate or private label cardholders, and is not applicable to UberTAXI rides.</p> <p>The partnership between Capital One and Uber aims to combine the common focus that both companies have on simplifying life and saving their customers money innovative products and services. So whether you're a frequent Uber rider or someone interested in starting to utilize&nbsp;the ridesharing service or just a Quicksilver cardholder, there's plenty to be excited about after seeing these two lucrative new offers come this new partnership.</p> <h3>Capital One&reg; Quicksilver&reg; Cash Rewards Credit Card</h3> <p><a target="_blank" rel="nofollow" href="http://www.wisebread.com/capital-one-quicksilver-cash-rewards?ref=1408507"><img alt="" style="float: right; margin: 0px 5px 5px 10px;" class="img-exempt" src="http://content.linkoffers.net/SharedImages/Products/219963/598864.png" /></a>With the <a href="http://www.wisebread.com/capital-one-quicksilver-cash-rewards?ref=1408507">Quicksilver&reg; Cash Rewards Credit Card from Capital One&reg;</a>, you can earn unlimited 1.5% cash back on every purchase you make everyday, without having to worry about rotating quarterly categories. In addition, your cash back rewards will never expire, and you can redeem your cash back for any amount at any time. This card also comes with Capital One Credit Tracker free of charge, which allows you to easily monitor your credit score anytime and anywhere you want.&nbsp;This card has no foreign transaction fees and no annual fee.</p> <p>New cardmembers can earn a $100 cash bonus after spending $500 on purchases within the first 3 months from their account opening. You can also enjoy a special 0% introductory APR on purchases and balance transfers until February 2016. After that, the card will have a standard variable APR of 12.9%-22.9%, with a 3% fee that applies to each balance transferred.</p> <p><a href="http://www.wisebread.com/capital-one-quicksilver-cash-rewards?ref=1408507"><strong>Click here to apply for the Capital One&reg; Quicksilver&reg; Cash Rewards Credit Card today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/william-tran">William Tran</a> of <a href="http://www.wisebread.com/get-20-off-uber-with-capital-one">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/5-best-gas-rewards-credit-cards">5 Best Gas Rewards Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Doesn&#039;t Get Easier Than This: Capital One Venture Rewards Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/i-dont-love-capital-one-how-to-get-a-lower-apr-or-possibly-not">I Don&#039;t Love Capital One - How to Get a Lower APR, or Possibly Not</a></span> </div> </li> <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/citi-thankyou-premier-rewards-for-everyday-travel">Citi ThankYou Premier: Rewards for Everyday Travel</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/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> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards Capital One Uber Fri, 01 May 2015 21:21:18 +0000 William Tran 1408507 at http://www.wisebread.com 10 Magic Words to Say to Get the Best New Car Price http://www.wisebread.com/10-magic-words-to-say-to-get-the-best-new-car-price <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-magic-words-to-say-to-get-the-best-new-car-price" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/buying_new_car_000060315438.jpg" alt="Woman saying magic words to get best new car price" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most of us still go to a car dealership when we want a new vehicle. And most of us dread the experience.</p> <p>The problem is, you and the dealership are two parties on opposite ends of the spectrum. You want a great car for as little money as possible. They want to sell you the same car for as much as they can, and include a ton of extras. The battle for a compromise can take hours.</p> <p>However, you can make that battle much easier by learning, and using, the following ten phrases. They will save you time, money, and a lot of hassle.</p> <h2>1. &quot;I'm Already Pre-Approved for a Car Loan.&quot;</h2> <p>Before you go to any dealership, arrange your own financing with a bank or credit union of your choosing. Make sure you do your homework, find the best rate, and get written approval of how much you can borrow (along with the terms of the deal). When the dealer knows you are pre-approved, they won't try to hit you with a high-interest loan. Now, on occasion you may find 0% financing offers at the dealership. If it's a genuine offer, and doesn't take other discounts off the table, you can always choose it. But with pre-approval, you are keeping all your options open.</p> <h2>2. &quot;I'm Not Interested in Monthly Payments.&quot;</h2> <p>Even if you are, that is not the place to start. Car dealers can work all sorts of magic with the numbers to get you to the monthly payment you have in mind. But, it's a trap. It's not always an intentional one, but it's a trap nonetheless. Monthly payments on a $20,000 car can be $265 a month, or $865, depending on the interest rate and length of the payoff. You do not want to discuss monthly payments until you have agreed on a total purchase price for the car, including the extras the dealer may want to throw in. Once you've shaken hands on that, you can work on how to split the payments up.</p> <h2>3. &quot;Let's Talk About My Trade-In Later.&quot;</h2> <p>When you arrive at the dealership in your current vehicle, the salesman will immediately start asking you about it. They'll look around it, nodding, giving approving glances, even if it's a wreck. Before they go any further, tell them you don't want to talk about the trade-in yet. Don't say you are not going to trade it in at all, unless that's actually your intention. But the trade-in values can mess with your head, and alter the negotiation on the car price. Often, the salesman will start bumping up the value of your trade-in to get your monthly payment a little lower. The truth is, they were undervaluing your trade-in from the get-go. So, keep that one in your back pocket until you have agreed on the purchase price.</p> <h2>4. &quot;I'll Come Back Another Day.&quot;</h2> <p>This is Kryptonite to the dealership, and the salesman you are talking to. The second you pull out this phrase, be it after the test drive, or during the intense negotiations, they salesman will be immediately put on the defensive. When someone walks on the car lot, they are a potential sale. Potential sales mean commissions, and hitting sales figures. The second you walk away, you're gone. You may never come back. And their commission goes with you. Using this phrase is a great way to take back control of the negotiation.</p> <p>However, you have to be prepared to follow through. I have walked away from the dealership after two or three hours of time and energy. They just couldn't hit my numbers. Unsurprisingly, they called me the next day and asked me to come back; they had found a way to hit my asking price. Well&hellip;there's a shock.</p> <h2>5. &quot;I Don't Want the Extended Warranty &mdash; Or Rustproofing.&quot;</h2> <p>Once you have bought the car, the salesman will hand you off to the financing department. This is when they double-down with the pressure. They'll offer you an incredible bumper-to-bumper extended warranty, they'll show you all sorts of undercoats, tinting, clear bras, and other additions. Just say no. Whatever the dealership is offering, you can find it way cheaper from a third party. Once, the salesman whispered in my ear &quot;Don't buy the tinting, I'll get it down for you for half the price.&quot; And he did. Sure, he got a finder's fee, but he saved me a few hundred bucks.</p> <h2>6. &quot;Please&quot; and &quot;Thank You.&quot;</h2> <p>At the end of the day, this is a negotiation. Car salesmen are doing what they are paid to do, and you're doing your job as a savvy consumer. But there is never any call for rudeness, and being polite will go a long way to getting you to a place you want to be. Rudeness and demanding language will show you to be a bully, a difficult customer, and someone the dealership would probably rather not have around for the next few hours. Yes, your business is important. Very important. However, everyone has a breaking point, and exceptionally rude people just aren't worth it.</p> <h2>7. &quot;I Already Know What the Car Is Worth.&quot;</h2> <p>Before you set foot on the lot, do your homework. You need to know the TMV, or true market value, of the car you're buying. You should also know the Blue Book value of the one you're selling. Don't memorize these numbers; bring printouts with you. You want hard evidence, because it's way easier to bargain with it than a number you appear to have pulled out of thin air. When you know the TMV, go lower. Not by much, but by enough to let them know you want a deal. At the very least, you should walk away having paid what is fair.</p> <h2>8. &quot;I'm Just Browsing.&quot;</h2> <p>You can use whatever variation you like on that theme, including &quot;Oh, just looking around,&quot; or &quot;My daughter's going to need a car next year.&quot; Whatever you do, keep the energy down, and don't ever let on that you're there to buy a car. If a salesman strolls up to you and asks you why you're there, <em>never </em>say &quot;I want to buy a new car today!&quot; You'll be putty in the dealership's hands.</p> <h2>9. &quot;Can I See the Invoice Price?&quot;</h2> <p>The sticker you see on the window of the car, whether it's old or new, is not what the dealership paid. So, you do not want to use that as a starting point for your negotiations. You want to see the actual invoice, and not surprisingly, most dealerships are reluctant to show that to you. But, dig your heels in and politely ask for the invoice. Once you have it, you're in a better place to negotiate.</p> <h2>10. &quot;Tell Me What Incentives Are Available.&quot;</h2> <p>Every car dealership has a list of incentives that they're working with. If you look at the fine print on some of the deals you'll find in the local papers, especially for low APR financing, you'll see that you &quot;give up&quot; the customer incentives to get the deal. Well, if you have your own financing already, you want those incentives. So, make sure you ask for a list of incentives, and how to qualify for them. They can include military discounts, cash-back offers, and free upgrades.</p> <p><em>What other phrases have you used to successfully negotiate with car salespeople?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-magic-words-to-say-to-get-the-best-new-car-price">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/11-retailers-where-you-can-negotiate-a-lower-price">11 Retailers Where You Can Negotiate a Lower Price</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-tricks-you-should-learn-from-great-hagglers">10 Tricks You Should Learn From Great Hagglers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/my-car-payments-are-too-much-what-should-i-do">My car payments are too much! What should I do?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-this-the-best-search-engine-ever-for-new-used-cars">Is This the Best Search Engine Ever for New &amp; Used Cars?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-buying-a-new-car-and-be-happy">How to Save Money Buying a New Car and Be Happy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation dealerships haggling negotiating new car salesmen Tue, 28 Apr 2015 18:06:42 +0000 Paul Michael 1399137 at http://www.wisebread.com Citi ThankYou Premier: Rewards for Everyday Travel http://www.wisebread.com/citi-thankyou-premier-rewards-for-everyday-travel <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/citi-thankyou-premier-rewards-for-everyday-travel" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_road_trip_000023479361.jpg" alt="Couple on a road trip" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The problem with earning frequent flier miles is that the airlines control the game at their whim, and they love to move the goal posts quite regularly. Industry observers call it &quot;devaluation&quot; when an airline announces that it will require more miles for the same flight, or when it simply stops releasing award seats at the lowest mileage levels, without making any kind of announcement at all.</p> <p>For credit card users, one way to combat devaluation and continue to receive value from their rewards is to use a program that offers point transfers to miles with many different airlines. The <a href="http://www.jdoqocy.com/click-2822544-12186944-1429536352000?sid=jsteele-1322844">Citi ThankYou&reg; Premier card</a> offers points that can be transferred to miles eleven different airline frequent flier programs as well as Hilton HHonors points.</p> <h2>How This Card Works</h2> <p>Cardmembers get 3 points for every dollar spent on travel, which includes everyday stuff like gas, taxi, car service, parking, tolls, railways, as well as big ticket stuff like airfare and hotels. Get 2 points for every dollar spent on dining and entertainment, and 1 point on other purchases. There is an annual fee of $95 (waived for the first 12 months), no foreign transaction fees, and includes EMV chip technology.</p> <p>New cardholders earn 50,000 bonus points after spending $3,000 in purchases within the first three months of account opening. Cardholders earn triple points on travel and gas purchases and double points on dining out and entertainment charges. One point is always earned per dollar spent on all other purchases.</p> <p>Points can be transferred to eleven different airline partners including the Flying Blue program of Air France and KLM, Qantas Frequent Flyer, Singapore Airlines KrisFlyer, and Virgin Atlantic Flying Club. Points can also be redeemed directly for flights at a value of 1.25 cents per point.</p> <p><a href="http://www.jdoqocy.com/click-2822544-12186944-1429536352000?sid=jsteele-1322844"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" /></a></p> <h2>Other Benefits</h2> <p>This card comes with a variety of travel insurance and purchase protection programs including lost baggage protection, trip interruption coverage, and extended warranty coverage.</p> <h2>Costs</h2> <p>There is a $95 annual fee for this card that is waived the first 12 months, and no foreign transaction fees. This card comes with the standard variable APR of 13.99%-22.99% on purchases and balance transfers, based on your creditworthiness.&nbsp;</p> <h2>Pros</h2> <p>The ThankYou&reg; points program has been getting more and more valuable lately, as Citi continues to add transfer partners such as Qantas, Singapore, and Air France/KLM. And even when a frequent flier award is not available, receiving 1.25 cents in value per point towards airfare awards is not bad, especially when cardholders begin earning 3x points on all travel and gas purchases. Other nice things about this card include the generous sign-up bonus, the waived annual fee the first year, and the numerous travel insurance and purchase protection benefits.</p> <h2>Cons</h2> <p>Eleven airline transfer partners are good to have, but they are all based overseas.</p> <h2>Who This Card Is Best For</h2> <p>There is a vibrant market for travel reward cards that offer points that transfer to airline miles. With valuable bonus points and a strong package of benefits, this is a very competitive offering for those who want to earn award travel without being married to a single airline program that can be devalued at any time.</p> <p><a href="http://www.jdoqocy.com/click-2822544-12186944-1429536352000?sid=jsteele-1322844"><strong>Click here to apply to the Citi ThankYou&reg; Premier Card today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/citi-thankyou-premier-rewards-for-everyday-travel">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/for-all-those-nights-on-the-town-citi-thankyou-preferred-credit-card">For All Those Nights on the Town: Citi ThankYou Preferred Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-credit-card-that-rewards-you-for-online-shopping-att-access-more-card-from-citi">A Credit Card That Rewards You for Online Shopping: AT&amp;T Access More Card From Citi</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/citi-hilton-hhonors-reserve-enjoy-more-free-stays">Citi Hilton HHonors Reserve: Enjoy More Free Stays</a></span> </div> </li> <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/citi-platinum-select-aadvantage-world-mastercard-review">Travel with Comfort and Ease: Citi AAdvantage Platinum Select MasterCard</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/citi-prestige-card-world-class-benefits">Citi Prestige Card: World Class Benefits</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards Citi credit card review Tue, 21 Apr 2015 06:43:52 +0000 Jason Steele 1322844 at http://www.wisebread.com 6 Cars You Can Drive (Almost) Forever http://www.wisebread.com/6-cars-you-can-drive-almost-forever <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-cars-you-can-drive-almost-forever" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_driving_000025333884.jpg" alt="Man driving car with longest driving life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The most impressive car I've ever seen in person wasn't a Porsche 911, a Ford F-350, or even a Tesla Model S.</p> <p>It was a Toyota Land Cruiser.</p> <p>What made this car stand out, especially compared to my dream car, an incredibly powerful work truck, and futuristic automotive engineering, respectively? This particular Land Cruiser had an incredible 600,000+ miles on it &mdash; the highest mileage I have ever seen (or even heard of) on a daily usage vehicle &mdash; and was still in good, drivable condition.</p> <p>Automotive expert Steven Lang and statistician Nick Larivere have put together the <a href="http://tradeinqualityindex.com/index.html">Long-Term Quality Index</a> (LTQI), an exhaustive statistical analysis of over 674,000 used cars to help car buyers understand the real reliability of vehicles, beyond the typical three-to-five year &quot;long-term&quot; industry analysis. Each model in their statistical analysis has been assigned a reliability score out of 100, where 50 represents average reliability; 0 is terribly unreliable, and 100 means you could probably <a href="https://youtu.be/xnWKz7Cthkk">still drive the car</a> after letting it wash out to sea, driving it through a building, and hitting it with a wrecking ball.</p> <p>The following models &mdash; both those that have been discontinued and those that are still being manufactured &mdash; have objectively proven themselves to be capable of going the distance, provided you take good care of them:</p> <h2>First, 3 Discontinued Used Cars With the Longest Driving Life</h2> <p>For some of us, buying a well-reviewed used car is the smartest way to get long-driving, reliable wheels without breaking the bank.</p> <p>However, Lang is quick to point out that &quot;The <a href="https://autos.yahoo.com/blogs/motoramic/car-dealer-scientific-guide-10-best-used-vehicles-181842236.html">driving and maintenance habits</a> of the prior owner will have a far greater effect on a used car's longevity than the brand.&quot; That means it's up to the buyer to make sure the car passes a trusted mechanic's inspection before driving it home.</p> <p>That being said, the following used cars can offer surprisingly good reliability to second (or even third) owners for years to come, even though their manufacturers are no longer making them.</p> <h3>Chevrolet Prizm</h3> <p>This compact sedan was only manufactured from 1989 to 2002, and had the sort of forgettable 90s-era styling that made it very easy to lose in a crowded parking lot. But beneath the boring body was an engine mechanically identical to the Toyota Corolla's, with similar reliability to that best-seller. According to the LTQI, the average mileage on a Prizm, as recorded at dealer trade-in, is a decent 136,402 miles (the industry average is 126,358 miles), and issues with the powertrain, transmission, or engine are few and far between. Overall the Prizm receives a <a href="http://tradeinqualityindex.com/vehicles/Chevrolet_Prizm.html">reliability score of 69.1</a>.</p> <p>According to Cars.com, a 2002 Prizm with fewer than 80,000 miles can be snapped up for about $5,000.</p> <h3>Pontiac Vibe</h3> <p>This compact five-door hatchback was discontinued in 2009 (model year 2010) after a seven-year production run, when the Pontiac brand folded. Like the Chevrolet Prizm, the engine design was based upon the Toyota Corolla, meaning it also offered good reliability. The LTQI has shown an average mileage of 125,455 miles on the Vibe and gives the model a decent <a href="http://tradeinqualityindex.com/vehicles/Pontiac_Vibe.html">reliability score of 72.8</a>.</p> <p>You can purchase a 2010 Pontiac Vibe with less than 60,000 miles for under $15,000.</p> <h3>Ford E-Series Van</h3> <p>Also sometimes referred to as Econoline vans, the Ford E-Series full-size vans were manufactured from 1961 to 2014. They were discontinued last year and have been replaced with the Ford Transit. These are generally known as work vehicles, and the only families you see driving them usually have their own TLC television show. However, if you are looking for a working van or a mighty family hauler that can handle a whole brood of tuba-playing hockey goalies, this is the van for you. (Airbrush art on the side is optional but encouraged.) The LTQI gives the E-Series a commendable <a href="http://tradeinqualityindex.com/vehicles/Ford_E_Series.html">77.8 reliability score</a>, and notes that the average odometer reading is 131,483 miles.</p> <p>2014 E-Series vans with fewer than 30,000 miles can be found for under $34,000.</p> <h2>3 New Cars With the Longest Driving Life</h2> <p>The cars on this list are still currently manufactured, although you can also find used models for less. The LTQI only offers information through 2010 models, but these three cars have proven themselves over time. If you are able to afford one of these cars new or &quot;lightly&quot; used, you can likely expect to drive them for years to come.</p> <h3>Toyota Camry</h3> <p>These mid-size sedans have been part of Toyota's lineup since 1982, and they have earned a well-deserved reputation for reliability. On the LTQI analysis, the Camry ranks incredibly high with a <a href="http://tradeinqualityindex.com/vehicles/Toyota_Camry.html">reliability score of 80.4</a>. The average mileage on these cars is 145,496 miles.</p> <p>The base price for a 2015 Camry is under $23,000.</p> <h3>Lexus GS</h3> <p>This mid-sized luxury sedan is a great option for anyone who has good money to spend on a car, and who wants to combine the comfort of a well-appointed daily driver with the fun of a performance vehicle. The GS has been around since 1991, and it has consistently been highly ranked by car experts. It has a notable LTQI <a href="http://tradeinqualityindex.com/vehicles/Lexus_GS.html">76.8 reliability score</a>, and the average mileage is 142,057.</p> <p>The 2015 Lexus GS starts at $55,000. Unfortunately, the GS also holds its value very well, so even a used model can cost a pretty penny.</p> <h3>Toyota Land Cruiser</h3> <p>There is an excellent reason why the longest-lived vehicle I have ever seen was a Land Cruiser. These SUVs are not only Toyota's longest running series (the first Land Cruiser model was manufactured in 1951), but they are widely considered to be &quot;ruggedly dependable.&quot; They receive an astounding <a href="http://tradeinqualityindex.com/vehicles/Toyota_Land_Cruiser.html">reliability score of 100</a> on the LTQI and have an average mileage of 178,654 miles on the odometer.</p> <p>New Land Cruisers don't come cheap, however. The base price is over $80,000 for the 2015 model. And while it is possible to buy one that is a few years old, expect to find high mileage and a high price tag, since the longevity and reliability are well known.</p> <h2>Toyota for the Win</h2> <p>If you're keeping score at home, you might notice that Toyota is either directly or indirectly responsible for five of the six cars on this list &mdash; everything except the Ford E-Series van. (Lexus is Toyota's luxury brand.)</p> <p>I'm not a shill for Toyota, nor do I have any vested interest in the company. Quite simply,Toyota has proven itself to be an incredibly reliable automaker, and you can feel pretty confident about the longevity of many of the cars manufactured either under the Toyota brand or jointly with it.</p> <p><em>Did your heap make this list?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/6-cars-you-can-drive-almost-forever">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/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/5-simple-ways-to-cut-your-car-expenses">5 Simple Ways to Cut Your Car Expenses</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/remove-car-dents-quickly-and-cheaply">Remove Car Dents Quickly and Cheaply</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/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-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation driving life mileage reliable cars vehicles Thu, 16 Apr 2015 15:00:11 +0000 Emily Guy Birken 1382415 at http://www.wisebread.com Becoming a One-Car Family: 5 Points to Consider http://www.wisebread.com/becoming-a-one-car-family-5-points-to-consider <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/becoming-a-one-car-family-5-points-to-consider" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/one_family_car_000026960870.jpg" alt="Family deciding to become a one-car family after consideration" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're looking to simplify your life or just save money, leaning your family down to just one car can be a wise choice. My husband and I have been doing the one car thing for around a year, and it's working out quite well since our daughter is young and I work from home. We made the change after the repairs and gas costs started taking huge chunks out of our monthly budget, and it's proved to be a smart financial choice for us overall.</p> <p>While there are still times when owning two vehicles might be more convenient, with a little compromise and some planning, we're hoping to keep it simple for as long as possible. Here's how you can do the same.</p> <h2>1. Map It Out</h2> <p>Before anything else, click open a map to investigate the area around your home. When I checked our location, I discovered that our daughter's school, as well as a hospital, pharmacy, grocery store, and even a few restaurants and shops, were all within a mile of our front door. Since I work from home, knowing these amenities were in close distance helped us feel confident that we could access most of what we might need on foot in a pinch. You can also choose to switch banks, doctor's offices, pharmacies, and other spots to fit your new lifestyle.</p> <h2>2. Consider the Weather</h2> <p>That being said, we also live in an area where winter overtakes the region a good five months out of the year. If inclement weather is a factor that might make walking or other transportation difficult, weigh it in your decision accordingly. If you have kids, think down the line to when getting to school events or other activities might get tricky with just one vehicle.</p> <h2>3. Group Your Trips</h2> <p>A lot of the bumps in switching to just one car come from convenience and ease of transport. Sometimes you can't go where you want to go at the moment you want to go there. Start keeping lists of items (food, household, etc.) that you need and try to take shopping trips all at once. Group activities, like gym classes and other recreation, to get the most out of your trips. I find it particularly helpful to post a large calendar so my husband and I can see where the car is needed and when. Then practice before you drop that second car. Can you make it work?</p> <p>As a bonus, you may also find you save money by not running to the store every time you need something. Staying home more often has its benefits.</p> <h2>4. Consider Alternative Transportation</h2> <p>There's a lot on the spectrum between driving and walking. Check out the bike routes to work, for example. The average speed bike commuters travel is around 10 mph, and trips of three miles or fewer are actually faster by bike. Those of you who live in cities can check local bus and subway schedules to see if you can get where you need to go in good time. Buying frequent rider passes can be a great way to save on travel this way. Comb Craigslist and other classifieds for motorized scooters. Where there's a wheel, there's a way.</p> <h2>5. Dip in the Pool</h2> <p>Furthermore, if you live in a more spread out area, carpooling might be a good option &mdash; especially for your daily commute. Ask your coworkers or Human Resource office if any employees have organized groups. You may also find community programs by searching online. And there are lots of carshare and rideshare programs, like <a href="http://www.zipcar.com/webch&amp;gclid=COno04Os4sQCFdY8gQodw60Amw">Zipcar</a> and <a href="https://erideshare.com">eRideShare</a>, across the country that allow you to get from point A to point B without owning a car at all. Once you've surveyed all the options, make a plan that works for your family. (See also: <a href="http://www.wisebread.com/carpooling-pros-cons-and-how-to-stay-safe?ref=seealso">Carpooling: Pros, Cons, and How to Stay Safe</a>)</p> <p><em>We'd love to hear your tips on making just one car work for a family (or perhaps no car at all). Please leave your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/becoming-a-one-car-family-5-points-to-consider">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/7-unexpected-ways-stay-at-home-parents-save-big">7 Unexpected Ways Stay-at-Home Parents Save Big</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/6-sibling-discounts-that-can-save-you-big">6 Sibling Discounts That Can Save You Big</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-survive-with-one-car-in-suburbia">Can You Survive with One Car in Suburbia?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-gas-by-safely-following-trucks">Save More Gas by Safely Following Trucks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-simple-ways-to-cut-your-car-expenses">5 Simple Ways to Cut Your Car Expenses</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Family carpooling downsizing rideshare saving money simplifying life Wed, 15 Apr 2015 21:00:10 +0000 Ashley Marcin 1386019 at http://www.wisebread.com The 5 Best Winter Tires http://www.wisebread.com/the-5-best-winter-tires <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-winter-tires" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/winter_driving_000014996881.jpg" alt="Woman driving safely in winter with new winter tires" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are certain kinds of weather that can really throw any vehicle for a spin, both metaphorically and physically, and one of them is snow. Those winter months can be a dangerous time for anyone who requires a car or truck to go about their daily lives and the kind of tires on your vehicle shouldn&rsquo;t cause you any more stress than this time of year already brings. Instead of worrying about whether or not your tires are going to keep you safe this winter, make an investment in a spectacular set of winter tires to keep yourself sane and safe whenever snow threatens to fall.</p> <h2>What are Winter Tires?</h2> <p>Unlike their general counterparts, winter tires (also known as snow tires) are better and safer for the snowy months since they have more sipes (the thin slits in the rubber) which are perfect for traversing the rougher terrain. These tires give much better traction on the snow and ice, but not so much on the dry or wet roads. Though it is possible to use these tires all year round, it&rsquo;s not recommended since the dryer, warmer roads will cause the tires to wear out faster, and don&rsquo;t provide the same kind of handling that summer tires do in the summer months. Though changing them each time the season changes might be a pain, the extra safety and convenience you get from getting a great set of snow tires is worth the elbow grease. Since tires are specific to cars, the prices listed in this article will be the lowest prices from which the tires are available. This does not mean this will automatically be the price of the tires for your specific model of car, so make sure you are looking at the right size to see the correct price for your needs. &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</p> <h2>Top 5 Winter Tires</h2> <h3>Michelin X-Ice Xi3</h3> <p><a href="http://www.amazon.com/gp/product/B009B7WIGC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B009B7WIGC&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FVPBBWV47YAY7HWB"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Michelin%20X-Ice%20Xi3.jpg" width="155" height="250" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B009B7WIGC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B009B7WIGC&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FVPBBWV47YAY7HWB">Michelin X-Ice Xi3</a> is a top pick on Consumer Search and for good reason. It is one of the best tires that performs overall, during harcore snowy conditions and slightly snowy conditions. Though there is some room for improvement on the wet/dry condition performance of these tires, they are an excellent option for anyone who has to deal with severe winter weather for most of the season. Milder winter conditions are probably better handled by other kinds of snow tires, but if you need something heavy-duty, these are the tires for you. These tires have some serious grip on snow and ice, giving you excellent handling on what can be very nerve-wracking terrains.</p> <p>Though most snow tires don&rsquo;t come with a warranty, the Michelin X-Ice Xi3 comes with a 40,000 mile tread wear warranty that can be collected when the tires get down to 2/32 inches. This, however, is not recommended, as tires should be replaced when they get to 5/32 inches of tread are left on these tires.</p> <p><em><a href="http://www.amazon.com/gp/product/B009B7WIGC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B009B7WIGC&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FVPBBWV47YAY7HWB">Currently as low as $124.98 on Amazon</a></em></p> <h3>Bridgestone Blizzak WS80</h3> <p><a href="http://www.walmart.com/ip/Blizzak-Ws80-215-60R17/43075211"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Bridgestone%20Blizzak%20WS80.jpg" width="178" height="250" align="right" alt="" />Bridgestone Blizzak</a> tires are renowned for their ability in wet surface traction and spectacular performance in snowy or icy conditions. The Blizzak WS80 model takes a step up from its predecessor the WS70 by increasing the stability in handling when driving in dryer conditions. It comes with a Tube MultiCell Compound built into it which really helps during the wet conditions as it dispels water away to help with the handling on wet conditions. Still, some consumers have reported stopping on wet surfaces takes longer than they would like.</p> <p>The zigzag pattern on the tire isn&rsquo;t just for show; it increases the effectiveness of the tread by adding many biting edges to create the best traction it can on snow and ice conditions. With the amount of trust behind this brand of winter tire, you can be sure you&rsquo;re in for a great purchase.</p> <p><em><a href="http://www.walmart.com/ip/Blizzak-Ws80-215-60R17/43075211">Currently as low as $133 at Walmart</a></em></p> <h3>Continental ExtremeWinterContact</h3> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Continental%20ExtremeWinterContact.jpg" width="209" height="250" align="right" alt="" />The <a href="http://www.walmart.com/ip/Continental-ExtremeWinterContact-Tire-215-70R15SL-98T-BW/19889404">Continental ExtremeWinterContact</a> tires are great for any size car, from compact to SUV to light-duty truck. These tires show magnificent results in traction tests on ice and snow, comparable with even the Michelin X-Ice Xi3. One the tread is 50% worn, an indicator on the tire will let the owner know so that you can keep track of the tires&rsquo; level of safety. The breaking for these tires is great on all surfaces except wet ones, but even then it still performs well. This is a studless tire with plenty of void and grip edges in the center to intensify its traction on snow and ice. If you&rsquo;re looking for a great tire to perform for just about any kind of car, the Continental ExtremeWinterContact tires are worth your consideration.</p> <p><em><a href="http://www.walmart.com/ip/Continental-ExtremeWinterContact-Tire-215-70R15SL-98T-BW/19889404">Currently as low as $80 at Walmart</a></em></p> <h3>Yokohama iceGUARD iG52c</h3> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Yokohama%20iceGUARD%20iG52c.jpg" width="166" height="250" align="right" alt="" />The <a href="http://www.yokohamatire.com/tires/detail/iceguard_ig52c">Yokohama iceGUARD iG52c</a> tire is known for being able to fit a variety of car types from compact to van. It is made of a special compound from a combination of silica, multi-layer carbon, and micro bubbles that are coated in resin to give it excellent handling for winter tires in all kinds of cold weather. This is especially true with the Yokohama iceGUARD iG52c&rsquo;s ability to push away sludge and slush to keep it from being a concern as you drive in melting snow conditions. Since it is a high traction/soft compound combination, some consumers report these tires being pretty noisy, but that they still do a great job of handling on snowy, icy, and even wet surfaces.</p> <p>The best thing about these tires besides their impeccable performance is that they are eco-friendly, meaning you can help the environment while helping yourself to some amazing tires.</p> <p><em><a href="http://www.yokohamatire.com/tires/detail/iceguard_ig52c">Currently priced around $70, but since it depends on the dealer, please go to the below website and enter your zipcode to find the best price</a></em></p> <h3>General AltiMAX Arctic Winter Tire</h3> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/General%20AltiMAX%20Arctic%20Winter%20Tire.jpg" width="169" height="250" align="right" alt="" />The <a href="http://www.amazon.com/gp/product/B004QL5Z0Y/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004QL5Z0Y&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=W5CNDN34AN5HIT6B">General AltiMAX Arctic Winter</a> tire can fit a variety of car sizes. If you&rsquo;re looking for studded tires this winter, these tires can become studded with the purchase of additional studs to be installed. This tire has a Center Stability Rib to help with direction on dry roads and multiple sipes to help water evacuation from the tires to avoid hydroplaning. The radials on this tire have 270 degree siping that make for great grabbing action on snow and ice to increase traction.</p> <p>This tire also comes with Reactive Contour Technology that helps it adapt to roads that are wet, dry, and anything inbetween to consistently provide excellent handling experience for the driver. They are the least expensive tires on this list, but the General AltiMAX Arctic Winter Tire provides the same quality safety precautions and driving experience as many more expensive winter tire options.</p> <p><a href="http://www.amazon.com/gp/product/B004QL5Z0Y/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004QL5Z0Y&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=W5CNDN34AN5HIT6B"><em>Currently as low as $66.04 on Amazon</em></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janae-spinato">Janae Spinato</a> of <a href="http://www.wisebread.com/the-5-best-winter-tires">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/these-secrets-of-amazons-pricing-strategy-will-help-you-find-the-best-buys">These Secrets of Amazon&#039;s Pricing Strategy Will Help You Find the Best Buys</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-shouldnt-order-on-amazon">5 Things You Shouldn&#039;t Order on Amazon</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-cat-foods">The 5 Best Cat Foods</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hair-clippers">The 5 Best Hair Clippers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-fabric-softeners">The 5 Best Fabric Softeners</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping Amazon product reviews tires winter tires Wed, 08 Apr 2015 09:00:04 +0000 Janae Spinato 1370801 at http://www.wisebread.com 8 Crazy Things Tomorrow's Cars Will Do http://www.wisebread.com/8-crazy-things-tomorrows-cars-will-do <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-crazy-things-tomorrows-cars-will-do" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/toyota_fv2.jpg" alt="Toyota FV2 futuristic concept car of tomorrow" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The funny thing about concept cars is that they're just that &mdash; concepts. They're futuristic ideas displayed at auto shows, designed to highlight advanced technologies and stylistic directions of cars that may never actually see the light of day.</p> <p>While we don't pretend to predict which future features are likely to catch on, there are plenty of cool bells and whistles that are worth hoping for. Some are more conceptual than others, and some more likely to be seen in the next few years than scrapped. Here are our top eight:</p> <h2>1. Flying Cars</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/bp2TWNpTA7s" frameborder="0" allowfullscreen=""></iframe></p> <p>Even before the Jetsons made it to primetime, a flying car has been seen as a futuristic solution to every commuter's problems.</p> <p>Trademarked as the <a href="http://www.terrafugia.com/tf-x">TF-X</a>, a company called Terrafugia says it's making a car that becomes airborne like a helicopter, and then flies like a plane. The company makes another flying car, called the Transition, that has wings and takes off as a plane (and amazingly is road legal for driving). You just may need to land at an airport and then drive to your destination. Both flying cars still appear to be in the experimental stages.</p> <h2>2. Motorcycle-Car Combos</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/RZXCqGiBxYY" frameborder="0" allowfullscreen=""></iframe></p> <p>Toyota's <a href="http://www.toyota-global.com/innovation/personal_mobility/i-road/">i-Road concept car</a> has two wheels in the front and one in the back, with an enclosed area for two passengers. The front wheels are powered by electric motors that share a lithium-ion battery. It has a driving range of 30 miles and goes up to 30 mph, making it best for short trips.</p> <p>This electric vehicle made its second appearance at the Chicago Auto Show, giving the impression that it's more of a concept than reality &mdash; for now.</p> <h2>3. Clean Cars</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/tesla_model_x.jpg" width="605" height="340" alt="" /></p> <p>Electric vehicle innovations are already numerous, and more are on the way. Major carmakers are getting into the hybrid business, and some, such as the <a href="http://ec.europa.eu/research/transport/projects/items/lean_and_green___the_clever_vehicle_en.htm">CLEVER</a> vehicle designed at the Technical University of Berlin, have a compressed natural gas engine to cut carbon dioxide emissions.</p> <p>If you're looking for a clean car that's beyond the concept stage, the Tesla <a href="http://www.teslamotors.com/modelx">Model X</a> is scheduled for delivery in early 2016. It's an electric car that's designed as an SUV/minivan mashup that may have two different battery packs available. Teslas have some of the longest battery life of EVs, traveling 230-300 miles when driven at 55 mph.</p> <h2>4. Solar-Powered Cars</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ford_c_max.jpg" width="605" height="340" alt="" /></p> <p>The Ford <a href="https://media.ford.com/content/fordmedia/fna/us/en/news/2014/01/02/let-the-sun-in--ford-c-max-solar-energi-concept-goes-off-the-gri.html">C-Max Solar Energi Concept</a> has a solar panel roof that draws power from a solar concentrator lens like a magnifying glass. A day's worth of sunlight produces a range of up to 620 miles. The 2015 version of this gas/electric hybrid doesn't have a solar roof, so we can only guess that this concept car is either still in the planning stages or shelved.</p> <h2>5. External Airbags</h2> <p>Safety technology maker TRW Automotive is developing <a href="http://www.digitaltrends.com/cars/attack-of-the-stay-puft-marshmallow-man-external-airbags-coming-to-the-side-of-a-car-near-you/">external airbags</a> for below the exterior of car doors to protect a car's occupants. While a full-car bubble wrap isn't part of the plan, TRW plans on having the airbags on a German luxury car by the end of the decade, likely the Mercedes-Benz S Class.</p> <h2>6. Extended Tailgates</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/hyundai_santa_cruz.jpg" width="605" height="340" alt="" /></p> <p>Have you ever needed to haul something in your truck and the truck bed just wasn't long enough? The 2015 Hyundai <a href="http://www.hyundainews.com/us/en/media/pressreleases/42741/hyundai-introduces-convention-shattering-santa-cruz-crossover-truck-concept-at-detroit-international">Santa Cruz</a> concept crossover truck is an experimental vehicle with a tailgate extension to make the bed length similar to a mid-size pickup. It has a drawer-like sliding function for longer cargo.</p> <p>The Santa Cruz was at the Chicago Auto Show in February, when manufacturers judged the public's reaction to the prototype. That's another part of being a concept car &mdash; weighing the public's interest in its features. (Some may be too far ahead of their time or garner no interest at all.)</p> <h2>7. Large Touchscreens</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/Concept_GC_PHEV_21.jpg" width="605" height="403" alt="" /></p> <p>The Mitsubishi <a href="http://media.mitsubishicars.com/releases/mitsubishi-motors-concept-gc-phev-makes-north-american-debut-at-the-2015-chicago-auto-show">GC-PHEV</a> concept car has what Mitsubishi calls a &quot;Tactile Table&quot; that's a large flat touchscreen running from the center console all the way back to the second row of seats. The blue-lit screen looks like something you'd use to plan Death Star attacks. However, Mitsubishi has other uses in mind, including allowing passengers to put their smartphones on top of it and create, collect, exchange, and share information with others through the car's communication system. At least it <em>sounds</em> like fun.</p> <h2>8. No Steering Wheels</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/1i4NnqrTMs4" frameborder="0" allowfullscreen=""></iframe></p> <p>The <a href="http://www.toyota-global.com/tokyoms2013/fv2/">Toyota FV2</a> concept car is a single-person vehicle that doesn't use a steering wheel; instead, the driver shifts their body weight to intuitively move the vehicle and steer it. The car also uses &quot;voice and image recognition to determine the driver's mood, accumulated driving history to suggest destinations, and driving skill information to assist the user,&quot; according to Toyota. The carmaker compares it to &quot;the relationship of trust and understanding that a rider might have with his or her horse.&quot;</p> <p>If having trust in your car like you would a horse is too much to ask, then a <a href="http://www.theblaze.com/stories/2015/03/10/mercedes-benzs-self-driving-cars-took-to-the-streets-of-san-francisco-and-residents-were-mesmerized/">self-driving car</a> may be more to your liking. Those look to be a bit more realistic for the foreseeable future.</p> <p><em>What futuristic car features are you most excited about?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/8-crazy-things-tomorrows-cars-will-do">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/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-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/should-your-next-car-be-electric">Should Your Next Car Be Electric?</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/keys-locked-in-the-trunk-heres-what-to-do">Keys Locked in the Trunk? Here&#039;s What to Do</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-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/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/10-lifesaving-skills-everyone-should-know">10 Lifesaving Skills Everyone Should 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/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> </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 BuyPower Card from Capital One®: 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>5% Earnings on your first $5,000 in purchases every year</li> <li>Unlimited 2% Earnings on every purchase after that</li> <li>Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle</li> <li>No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees</li> <li>Save even more when you combine your available Earnings with most current GM offers and incentives</li> <li>0% intro APR on purchases for 12 months, then an 11.9% &ndash; 19.9% variable APR on purchases will apply</li> </ul> <p>&nbsp; &nbsp; &nbsp;<a href="http://www.wisebread.com/capital-one-buypower?ref=1348813"><img width="154" height="50" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" 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 BuyPower Card from Capital One&reg;.</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 Card from Capital One&reg; 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 &mdash; 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 BuyPower Card from Capital One&reg; 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-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/citi-thankyou-premier-rewards-for-everyday-travel">Citi ThankYou Premier: Rewards for Everyday Travel</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-secured-credit-cards">The 5 Best Secured Credit Cards</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/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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards">5 Best Gas Rewards Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Doesn&#039;t Get Easier Than This: Capital One Venture Rewards Card</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-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/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-2 views-row-even"> <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-3 views-row-odd"> <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-4 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-5 views-row-odd views-row-last"> <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> </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/iStock_000051470404_XXXLarge.jpg" alt="" title="" 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 reports the <a href="http://www.fuelgaugereport.com/">national average</a> 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 national survey by the Consumer Federation of America (CFA) says most Americans believe we're going to see at least a <a href="http://www.consumerfed.org/pdfs/150215_gasprices_pressrelease.pdf">50% price increase</a> in the next two years &mdash; to well over $3 per gallon &mdash; and an 80% hike in the next five years &mdash; back to near $4. Some experts are saying we're heading to <a href="http://www.usatoday.com/story/money/2015/01/19/gas-oil-five-dollar-gallon/21865975/">$5 per gallon</a> 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>1. 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>2. 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>3. 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. <a href="http://www.hybridcars.com/why-now-is-a-good-time-to-buy-a-hybrid-or-plug-in-car/">Discounts on green cars</a> are running 15% or better, and you're banking as much as 40-50 MPG.</p> <h2>4. 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>5. 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-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/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/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/extended-car-warranties-three-things-to-know">Extended Car Warranties: 3 Things 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/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> </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-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/remove-car-dents-quickly-and-cheaply">Remove Car Dents Quickly and Cheaply</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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-things-car-salesmen-dont-want-you-to-know">17 Things Car Salesmen Don&#039;t Want You to Know</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/repair-the-car-or-spend-the-cash">Repair the Car or Spend the Cash?</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> 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-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/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-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/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/the-bank-of-gasoline-0">The Bank of Gasoline</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/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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/better-cars-are-not-the-answer">Better cars are not the answer</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/think-you-can-afford-more-house-in-the-exurbs-think-again">Think you can afford more house in the exurbs? Think again.</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