Cars and Transportation http://www.wisebread.com/taxonomy/term/4812/all en-US 7 Money Mistakes Everyone Makes When Buying Their First Car http://www.wisebread.com/7-money-mistakes-everyone-makes-when-buying-their-first-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-money-mistakes-everyone-makes-when-buying-their-first-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_new_car_000023883579.jpg" alt="Woman making money mistakes everyone makes with their first car" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's easy to make money mistakes anytime you buy a car &mdash; but your first car is especially risky. Here are some expensive first-time car buying mistakes and how to avoid them.</p> <h2>1. Buying the Wrong Kind of Car</h2> <p>When shopping for your first car, it's easy to overlook how you're going to actually use it in the long term. You might think about picking up friends to go out, but overlook routine chores such as hauling groceries home. Your car needs can change rapidly. You don't want a two-seater if your family could grow to three or more within a couple short years. The best way to save money on car expenses is to drive the same car for many years, so choose wisely!</p> <h2>2. Buying a Car With Poor Fuel Economy</h2> <p>If you are buying your first car, you probably aren't used to experiencing pain at the pump, and consequently you may not consider the cost of keeping gas in a pick-up truck. With the current low gas prices, you may not feel that fuel economy is a major consideration &mdash; but don't fall for this expensive mistake. If you choose a car that gets half the fuel economy, you'll pay twice as much for gas &mdash; no matter what happens to the price of gas. And just because gas prices are low today doesn't mean they'll stay low forever. If you buy a fuel hog and gas prices go up, it could seriously impact the resale value of your vehicle down the road.</p> <h2>3. Surprise Maintenance Required</h2> <p>Used cars are much less expensive to buy than new, and are a great choice for a first car. But sometimes a used vehicle can have expensive problems that are not obvious until after you have driven off in it. Never buy a vehicle with a check engine light on unless you understand what maintenance is required to resolve the issue. The problems indicated by a check engine light can cost only a few dollars to repair &mdash; such as replacing the gas cap &mdash; or thousands. The only way to know is to get the car checked out by a mechanic who can read the diagnostic codes, investigate the trouble, and provide an estimate for repairs.</p> <p>Even if the check engine light is not on, I recommend having any used vehicle checked over by a mechanic before you buy it. Getting a vehicle inspection can be a bit inconvenient and costs around $50, but you could save thousands by avoiding a car with expensive maintenance needs. You can also use the inspection report as a bargaining tool to get a better price. Do you really want to risk buying a used car without knowing what could be wrong with it?</p> <h2>4. Buying to Impress</h2> <p>Start your car search by thinking of the things you need a car to do. It needs to be reliable, get you to where you are going, and hold the things you need to haul. That's pretty much it. There are all kinds of options and upgrades available, but these do not change the basic functionality of a car.</p> <p>It is easy to think that a nice car will impress people and make your life better, but any reliable car provides the same basic utility. Try to approach buying a car as you would buying a tool, and don't let emotion overcome your judgment about what a car can do for you.</p> <h2>5. Thinking of a Vehicle as an Investment</h2> <p>Just because cars are expensive doesn't mean they are an investment. Almost any car you buy will drop significantly in value after only a few years. Dealers may encourage you to buy a more expensive car so it will have better resale value later. It is true that certain options such as automatic transmission and all-wheel drive improve resale value, but other options that add thousands of dollars to you car cost may bring only a few hundred dollars of resale value years later. Buying a car is an expense, not an investment. Try to minimize how much you need to spend to obtain safe, reliable transportation.</p> <h2>6. Not Negotiating on Price</h2> <p>Price negotiation can be a new concept for first-time car buyers. Car prices are not like prices for other items for sale &mdash; the sticker price is only a suggestion, and the seller is almost always ready to sell it for less. If you pay full asking price for a car, you are likely paying hundreds, or even thousands, more than you need to pay. With a few minutes of research on the Internet, you can arm yourself with the information you need to confidently negotiate a lower price. (See also:&nbsp;<a href="http://www.wisebread.com/speed-past-car-debt-with-this-simple-timing-trick">Speed Past Car Debt With This Simple Timing Trick</a>)</p> <h2>7. Getting Tricked Into Dealer Financing</h2> <p>At the end of the car buying process, there is one more chance to make a costly mistake &mdash; dealer financing. The dealer may try to convince first-time car buyers that it will be difficult for them to get financing at all. After taking down some information and working some magic, they will appear with a financing offer and say that you were lucky to qualify. Just sign and the car is yours &mdash; along with its big monthly payments. The problem is that the interest rate from the dealer may be substantially higher than the rate you could get elsewhere. Avoid this trap by getting prequalified for financing at an online lender, credit union, or bank before you go car shopping. This way, you will know how much you can borrow and find a good interest rate before you fall in love with the car.</p> <p><em>What mistakes did you make when buying your first car?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr. Penny Pincher</a> of <a href="http://www.wisebread.com/7-money-mistakes-everyone-makes-when-buying-their-first-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-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/how-wisebread-helped-me-get-45mpg-out-of-my-28mpg-car">How Wisebread helped me get 45mpg out of my 28mpg car.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car">3 Reasons Why You Should Never Buy a New Car</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-how-the-high-cost-of-cheap-gas-hurts-you">This Is How the High Cost of Cheap Gas Hurts You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/speed-past-car-debt-with-this-simple-timing-trick">Speed Past Car Debt With This Simple Timing Trick</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/to-change-the-bulb-just-remove-the-bumper-wait-what">To change the bulb, just remove the bumper. Wait, what? - UPDATED.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation financing fuel economy gas prices maintenance Mistakes negotiating new cars Tue, 02 Feb 2016 10:00:09 +0000 Dr. Penny Pincher 1647337 at http://www.wisebread.com 3 Reasons Why You Should Never Buy a New Car http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-reasons-why-you-should-never-buy-a-new-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_new_car_000014380432.jpg" alt="Woman learning why she should never buy a new car" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I don't know what it is, but there's something really exciting about being the first person to own a car. Maybe it's because brand new cars come with the latest technologies, extremely low mileage, and that new car smell you just can't duplicate. Plus, there are no animal crackers stuck between the seats from the previous owner's three-year-old.</p> <p>But these aren't the only perks of buying new.</p> <p>Unless you have the misfortune of getting stuck with a lemon, new cars typically have fewer maintenance problems, too. In most cases, you don't have to think about replacing the brakes, tires, or other minor repairs for at least a few years. If you run into some defect, most car manufacturers offer a three-year limited warranty, which provides added peace of mind. Additionally, if you're financing, banks usually offer lower interest rates on newer cars. For example, Toyota sometimes runs a 0% financing promotion (or financing as low as 1.9%) on new models for well-qualified buyers.</p> <p>But while there are benefits to buying a brand new car, it might not be the smartest financial choice. At the end of the day, you have to decide whether to buy brand new or used. However, before you think a car with only 10 miles is the better deal, here are three arguments for never buying a brand new car. (See also: <a href="http://www.wisebread.com/10-new-car-costs-the-dealer-is-hiding-from-you?ref=seealso">10 New Car Costs the Dealer Is Hiding From You</a>)</p> <h2>1. The Obvious Reason &mdash; You'll Pay More</h2> <p>If money is the least of your worries, it probably doesn't matter whether you buy new or used. But if you identify with the rest of us and you're pinching your pennies, you need a monthly payment that doesn't stretch your budget or cause unnecessary financial strain.</p> <p>The good news is that buying a car doesn't have to complicate your financial life. If you have good credit and you're able to qualify for a new car loan with no hassles, banks may compete for your business and offer the best rate possible.</p> <p>But even with low-rate auto financing on a new purchase, a new car will be more expensive than an older version of the same car. Not only because of the higher sale price &mdash; you'll also pay more in other areas. Brand new cars can have higher insurance premiums than used cars. And if you live in a state with personal property taxes, the newer your car, the more you'll pay in taxes each year.</p> <h2>2. Faster Depreciation and Negative Equity</h2> <p>It's not fair or right, but <a href="https://www.trustedchoice.com/insurance-articles/wheels-wings-motors/car-depreciation/">new cars depreciate faster</a> than used vehicles. The sad reality is that the average new car can depreciate as much as 19% in its first year &mdash; and that's just an average. What does this mean for you? To put it simply, if you buy a brand new car without a down payment, or if your monthly loan payment isn't high enough to compensate for depreciation, you could end up owing more than the vehicle is worth.</p> <p>Let's say you pay $20,000 for a brand new car and $3,000 in finance charges over the length of a five-year term. This brings the total cost of your car to $23,000. We'll factor in a 19% rate of depreciation for the first year, which brings the value of the car down to $16,200. Your payments are $350 a month, or $4,200 a year, so by the end of year one, you'll owe the bank $18,800. Sure, you're making progress on the loan. But since the value of your car dropped nearly $4,000, you now have negative equity and you owe $2,600 more than the car is worth.</p> <p>Negative equity isn't the worst thing to happen if you plan on keeping the car until it's paid off. But if you're the type of person who trades in vehicles every two or three years, negative equity can increase the cost of your next vehicle. If the dealership gives you $19,000 for your trade-in, yet you owe $22,000, the $3,000 difference doesn't disappear. Instead, the dealer tacks the negative equity onto your next car loan. So instead of a sale price of $27,000 for your next vehicle, you end up financing $30,000.</p> <p>On the other hand, if you skip the brand new car and buy a vehicle that's one or two years old, you'll be able to get the car at a price that's more comparable to its actual value, and possibly avoid an upside-down loan.</p> <h2>3. You Get More for the Money Buying Used</h2> <p>Since cars depreciate rapidly within the first year, buying used is an opportunity to get more for less. I have a friend who purchased a one-year old Toyota Camry XLE back in 2010. It was a top-of-the-line Camry with wood grain, leather seats, sunroof, rims, heated seats, JBL sound system, dual temperature control, <em>fully loaded</em>. Just one year prior, the car sold for about $28,000 brand new. However, she was able to purchase the vehicle for a little more than $20,000. The car only had 13,000 miles and not a single scratch or stain. It was like buying a brand new car, without the brand new price tag.</p> <p><em>What do you think? Are you a new car loyalist, or have you found value in buying not-so-new? I'd love to hear you take on this discussion in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-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-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-money-mistakes-everyone-makes-when-buying-their-first-car">7 Money Mistakes Everyone Makes When Buying Their First 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/speed-past-car-debt-with-this-simple-timing-trick">Speed Past Car Debt With This Simple Timing Trick</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">8 Common Car Repair Mistakes That Can Cost You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-simple-ways-to-cut-your-car-expenses">5 Simple Ways to Cut Your Car Expenses</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-websites-you-must-visit-when-buying-a-new-car">7 Websites You Must Visit When Buying a New Car</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation buying used depreciation equity new cars used cars vehicles Mon, 01 Feb 2016 16:00:04 +0000 Mikey Rox 1646407 at http://www.wisebread.com This Is How the High Cost of Cheap Gas Hurts You http://www.wisebread.com/this-is-how-the-high-cost-of-cheap-gas-hurts-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/this-is-how-the-high-cost-of-cheap-gas-hurts-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000079647883_Large.jpg" alt="the cost of cheap gas is actually hurting her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When I first started driving in the mid-1990s, gas prices generally hovered around $1.25 a gallon, and I could fill up my Chevy Cavalier with just $20 &mdash; and receive change back.</p> <p>In the last few years, it seemed as though the $20 fill-up was a thing of the past. That's why the last several months have been pretty exciting for drivers, as gas prices have once again dipped below $2.00 a gallon and stayed there. And why shouldn't we be excited? Low fuel prices means cheaper goods and services, as well as fat wallets.</p> <p>But that's not the whole story. While cheap gas certainly does help to stimulate our economy and improve household budgets, there is a dark side to the cheap gas. The low prices can often mask high costs elsewhere in the economy or the future. Here are four reasons why cheap gas costs more than you think.</p> <h2>1. Buying More Car Than You Need</h2> <p>Human beings have a hard time recognizing that things change, even when we have recent experience that tells us otherwise. This is called the <a href="http://www.wisebread.com/5-common-logic-traps-you-may-be-falling-for">forever changeless assumption</a>, and it's the reason why drivers flock to large gas-guzzlers when the price at the pump is low, and then race out to buy hybrids when prices spike. The rise of fuel-efficient Japanese cars in the '70s and early '80s, followed by the ubiquity of SUVs in the '90s, then the rise of the hybrid in the 2000s, has lead us to this point.</p> <p>The problem is something that automotive auctioneer and Yahoo Auto contributor Steven Lang refers to as &quot;the 1% solution.&quot; Drivers will buy a vehicle because they are trying to solve a problem that only plagues them 1% of the time. For instance, when gas prices are low, a car buyer might focus on the need to haul the entire extended family and buy a three-row minivan, even though the family only makes family visits once a year. When gas prices go up, worries about the price at the pump make car buyers chase fuel economy and ignore the higher sticker price on the efficient car.</p> <p>You might be thinking that this issue is relatively rare. Except for the Richie Rich types, not many people buy cars every couple of years, and the majority of drivers keep their gas-guzzling vans during periods of expensive fill-ups or keep their hybrids even when a gallon of gas is cheaper than a gallon of milk.</p> <p>But America's fleet of cars is older now than it has ever been with a remarkable average age of 11.5 years. Though the cars produced in the past 12 years are durable, they will eventually need to be replaced. Americans were already buying cars at record rates in 2015, and the trend is expected to continue.</p> <p>That's not to say that you'll jump from driving a Honda Fit to a Ford F-350 just because gas is cheap. According to Steven Lang, &quot;Car buyers tend to take two steps to the right when gas prices are low. If they would normally look at a sub-compact, they'll buy a sedan instead.&quot;</p> <p>The problem with the 1% solution is not just the sticker price, which tends to be higher on larger vehicles. Everything from the cost of regular maintenance to the price of tires goes up with larger cars. And there is no guarantee that cheap gas will remain forever changeless &mdash; and good luck unloading your gas-guzzler when the price of oil spikes again.</p> <h2>2. Wear and Tear on Your Vehicle</h2> <p>There is some debate as to whether consumers are likely to drive more when gas prices are low. One study has shown that Millennials in particular are <a href="http://jalopnik.com/cheaper-gas-is-making-millennials-drive-a-ton-1701419095">likely to drive more</a> when the cost of gas is low, while the Energy Information Administration (EIA) claims that <a href="http://www.eia.gov/todayinenergy/detail.cfm?id=19191">gasoline is an inelastic resource</a>, which means demand does not change when prices fluctuate.</p> <p>However, AAA calculates that 46.6 million Americans <a href="http://newsroom.aaa.com/2015/11/46-9-million-americans-to-travel-for-thanksgiving-according-to-aaa/">traveled for Thanksgiving 2015</a>, which is the highest number of travelers for that holiday since 2007. The low cost of gas certainly played a factor for many travelers.</p> <p>But driving more &mdash; even if it's just additional, special occasion driving &mdash; does put wear and tear on your car. Calculating the exact cost of wear and tear is difficult, but AAA found the average cost per mile in 2014 to be <a href="http://exchange.aaa.com/automobiles-travel/automobiles/driving-costs/#.Vp_km1MrJ-1">44.9 cents per mile</a> for a small sedan driven about 15,000 miles per year. (This cost does include the price of gas.)</p> <h2>3. Traffic Fatalities</h2> <p>Driving your car more is not just potentially costly for your vehicle. It also increases the statistical likelihood that you will get into a wreck. According to sociologist Guangqing Chi of South Dakota State University, a 20-cent decline in gas prices in Minnesota correlated with an additional <a href="http://www.npr.org/2015/01/06/375308884/the-downside-of-cheaper-gas-more-accident-fatalities">15 traffic-related deaths</a> per year. He surmises that a $2 drop in gas prices could translate to an additional 9,000 traffic fatalities per year nationally.</p> <p>There are a number of reasons for this. Cheaper gas means drivers often take more trips &mdash; both long road trips and regular errands &mdash; rather than staying home or combining local trips to save gas. In addition, the fluctuating cost of gasoline has a larger effect on young drivers. When gas prices are low, there are more young and inexperienced drivers on the road since they can afford a tank of gas &mdash; and those are the drivers who are at the greatest risk of being in a car accident.</p> <h2>4. Environmental Concerns</h2> <p>We all know that driving is not great for the environment. Not only do the emissions of <a href="http://homeguides.sfgate.com/am-harming-environment-driving-78514.html">hydrocarbons, nitrogen oxides, and carbon dioxide</a> from each and every tailpipe contribute to ground-level ozone and global warming (not to mention the human health implications of carbon monoxide), but the production of fuel creates a significant amount of similar emissions, accounting for 19% of the emissions produced during the life cycle of the average car.</p> <p>This is problematic both because cheap gas can potentially encourage more driving, and because low prices at the pump make society as a whole less interested in fuel efficiency. According to Michael Sivak, research professor at the University of Michigan Transportation Research Institute, &quot;Fuel economy for new cars, light trucks, and sport utility vehicles rose fairly steadily from 20.1 miles per gallon in October 2007 to 25.8 MPG in August 2014&hellip; [but] since then, fuel economy of the new-car fleet has reversed course, <a href="http://www.nytimes.com/2015/12/13/business/energy-environment/cheap-gas-is-a-thrill-but-a-costly-one.html?_r=0">dropping to 25 MPG in November [2015]</a>.&quot;</p> <p>Even environmentally-conscious consumers are less likely to make decisions in the best interest of the earth when gas is cheap. Without the immediate pain of costly fill-ups, it can be difficult for drivers to remember that every trip they make contributes to the deterioration of the environment.</p> <h3>Striking a Balance</h3> <p>Cheap gas is not as cheap as it may seem, since our behavior adjusts to low prices in ways that can be very costly. It's a good idea to think of gasoline as an expensive and precious resource, even when a gallon costs less than a bottle of water, since that will help you to remember the hidden costs.</p> <p><em>Do you buy cheap gas? Share your opinion on this trend in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/this-is-how-the-high-cost-of-cheap-gas-hurts-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/how-wisebread-helped-me-get-45mpg-out-of-my-28mpg-car">How Wisebread helped me get 45mpg out of my 28mpg car.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-driving">Here&#039;s How Rich You&#039;d Be If You Stopped Driving</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-money-on-gas-free-ebook">Save money on gas + free ebook</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/fill-your-tank">Fill your tank</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/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> </ul> </div> </div> </div> </div><br/></br> Frugal Living Cars and Transportation car costs cheap gas gas gas mileage gas prices new car Thu, 28 Jan 2016 18:00:04 +0000 Emily Guy Birken 1646414 at http://www.wisebread.com Speed Past Car Debt With This Simple Timing Trick http://www.wisebread.com/speed-past-car-debt-with-this-simple-timing-trick <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/speed-past-car-debt-with-this-simple-timing-trick" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_new_car_000063781465.jpg" alt="Woman speeding past car debt with simple timing trick" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I like goals that are challenging, but achievable. Accordingly, I set a goal to keep a car for 12 years before burying it. A few decades ago that would have been unrealistic. Thankfully today's vehicles, if properly maintained, can run for 200,000 miles or more.</p> <p>This is good news for the frugal, because it creates an opportunity to be without monthly car payments for years. Even if you're a two-car household, with a little creativity and discipline, you can still eliminate those nasty car payments for years at a time. (See also:&nbsp;<a href="http://www.wisebread.com/7-easy-ways-to-calculate-your-new-car-budget?ref=seealso">7 Easy Ways to Calculate Your New Car Budget</a>)</p> <p>Why is it so important to be vehicle debt-free? Because cars and trucks are bad investments. They lose value. To make matters worse, while their value falls, they also drain your monthly income as you make loan (or worse still, lease) payments along with maintenance and repair expenditures. That's money you could otherwise put to much better use. (More on that later.)</p> <h2>How to Stagger Car Purchases and Minimize Debt</h2> <p>So, how do you minimize the financial damage by staggering purchases? Here's a schedule to consider following (it's the one we follow in our household):</p> <ul> <li>Now through year six: Household member #1 buys a car, takes out a loan, and pays it off in three years.<br /> &nbsp;</li> <li>Year six: Household member #2 buys a car, takes out a loan, and pays it off in three years.<br /> &nbsp;</li> <li>Year 12: Household member #1 replaces 12-year-old car with a new one; takes out a loan and pays it off in three years.<br /> &nbsp;</li> <li>Year 18: Household member #2 replaces 12-year-old care with a new one; takes out a loan and pays it off in three years.<br /> &nbsp;</li> <li>So on and so forth.</li> </ul> <p>This allows you to spread out new car purchases every six years. Because each car is paid off in three years, you never have more than one car payment to make at a given time, and 50% of the time you don't have any. If we assume a loan payment of $400/month, then for each three-year period when you have no payments, you can save $12,000, or $24,000 in a single 12-year cycle.</p> <p>What will you do with that extra cash? Prepay another debt. For example, pay off your unpaid credit card balance. Or maybe a student loan. Doing so frees up even more monthly cash flow. Maybe then you'll have saved enough for a down payment on a house.</p> <p>See where this is going? You're getting ahead financially, big time! And it all started with spreading out and staggering your vehicle purchases.</p> <p>So take financial advantage of advances in automobile technology. Change the oil regularly, free up cash flow, and use it to get farther ahead on other debts.</p> <p>And while you're at it, consider saving up for any future vehicle purchases, thus avoiding car notes, in the first place. By doing so, you'll eventually stop the cycle of car debt altogether.</p> <p><em>How long do you keep a new (or new to you) car before replacing it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/keith-whelan">Keith Whelan</a> of <a href="http://www.wisebread.com/speed-past-car-debt-with-this-simple-timing-trick">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/7-easy-ways-to-calculate-your-new-car-budget">7 Easy Ways to Calculate Your New Car Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-mistakes-everyone-makes-when-buying-their-first-car">7 Money Mistakes Everyone Makes When Buying Their First Car</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car">3 Reasons Why You Should Never Buy a New Car</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-fastest-method-to-eliminate-credit-card-debt">The Fastest Method to Eliminate Credit Card Debt</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-you-spend-on-a-new-car">How Much Should You Spend on a New Car?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation debt loans new cars pay schedules payment plans staggering Tue, 26 Jan 2016 14:00:03 +0000 Keith Whelan 1642987 at http://www.wisebread.com The 5 Best Jump Starter Kits http://www.wisebread.com/the-5-best-jump-starter-kits <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-jump-starter-kits" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_car_repair_000013809202.jpg" alt="Couple using best jump starter kits to get car started" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are few things worse than getting in your car only to realize that you can&rsquo;t get it started. While there may be a complicated underlying problem, sometimes, the battery just needs a quick charge. Unfortunately, there isn&rsquo;t always someone around to give your car a jump start when you need it. That&rsquo;s when a good jump starter kit can come in handy.</p> <h2>What Is a Jump Starter?</h2> <p>Whether your vehicle won&rsquo;t start thanks to extreme weather changes, because you left the lights on, or because you just don&rsquo;t drive your car often enough, a jump start kit can help you safely start your vehicle in no time. Some jump starters can also serve as a backup power unit, which you&rsquo;ll be happy to have in the event of a power outage. You&rsquo;ll be able to get the power you need, right when you need it most.</p> <p>If your battery dies, you just need to hook the clamps to your vehicle&rsquo;s battery, turn on the switch to the jump starter, and wait for your vehicle to power up again. You don&rsquo;t need to worry about hooking it up to another vehicle or searching for jumper cables. Everything you need will be included in your jump start kit. Compare that experience to standing on the side of the road waiting for AAA or for another driver to pass by that might be willing to give you a jump.</p> <h2>Top 5 Jump Starter Kits</h2> <h3>Antigravity Batteries Micro-Start Jump Starter/Personal Power Supply</h3> <p><a href="http://www.amazon.com/gp/product/B00FDYYK4A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00FDYYK4A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=MLDJUGVINDPDXDSD"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/antigravity%20batteries.jpg" width="245" height="132" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B00FDYYK4A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00FDYYK4A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=MLDJUGVINDPDXDSD">Antigravity Batteries Micro-Start Jump Starter/Personal Power Supply XP-1</a> is Consumer Reports&rsquo; top choice for jump starters. The 12000mAh jump starter can start any automobile, truck, motorcycle, ATV, or UTV with ease. Along with getting your battery going again, it can also charge your electronics when you&rsquo;re in a bind. It offers unmatched device charging capacity with two USB ports and several laptop connection options. With dual USB ports, you can charge two electronics at the same time.</p> <p>It comes with 12 and 19-volt DC outputs, battery clips, and a cell phone charging cable, all housed in a small, soft-shelled case. It also includes a set of mini jumper cables, eight different charger tips to fit most laptops, and two tips to fit most 12V accessories. It also has a battery indicator light and a hi-power LED light with two flash patterns, including an SOS pattern.</p> <p>The jump starter and personal power supply is only around six inches long, so you can easily fit it in your glove compartment, backpack, or emergency kit. To preserve the battery life, it has an automatic power off when not in use and built-in over-charge and over-discharge protection. You can also prolong its useful life by recharging it just once every six months when not in use. It has outstanding reviews online, is one of Amazon&rsquo;s bestselling jump starters, and was selected as one of the best jump starters of 2015.</p> <p><a href="http://www.amazon.com/gp/product/B00FDYYK4A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00FDYYK4A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=MLDJUGVINDPDXDSD"><em>Currently $103.95 on Amazon</em></a></p> <h3>Stanley Peak Amp Jump Starter with Built-in Compressor</h3> <p><a href="http://www.amazon.com/gp/product/B002X6VXL4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002X6VXL4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=UDQWN5EVZ3LYJIQX"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/stanley.jpg" width="180" height="200" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B002X6VXL4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002X6VXL4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=UDQWN5EVZ3LYJIQX">Stanley Peak Amp Jump Starter</a> will be your best friend in an emergency. With 1000 Peak Battery Amps and 500-Amp Instant Starting Power, it can power a car, truck, motorcycle, boat, RV, tractor, or any other vehicle with a 12V battery system. It holds a charge well and is simple to recharge. You simply pull back the cover on the back of the jumper, plug in any household extension cord, and charge it until the indicator light turns green.</p> <p>It includes a high-powered, ultra bright LED light that rotates 270 degrees, allowing you to safely power your vehicle on the side of the road, in the middle of the night. It also includes heavy duty metal clamps and a top-mounted, easy-grip rubber molded handle. It also features an alarm that will sound if the clamps are not attached properly, making it even easier to use.</p> <p>It features a built-in 120 PSI air compressor with a brass tipped SureFit nozzle, so you can easily inflate your tires or pump up your sports equipment. This will help you better maintain your tires and vehicle over time. Along with serving as a jump starter and compressor, it can also serve as a portable power unit, so you have the power you need in the event of a power outage. It has a USB power port and 12-volt DC outlet, so you can charge whatever you need to, whenever you need to. In fact, you can even charge two devices at once. It offers an incredible value and can even save you money by allowing you to fill up your tires at home, instead of wasting money at the gas station air pumps. The Stanley J5C09 1000 Peak Amp Jump Starter is Amazon&rsquo;s #1 best seller in jump starters, one of the &ldquo;most wished for&rdquo; items on Amazon, and was selected as one of the best jump starters of 2015.</p> <p><a href="http://www.amazon.com/gp/product/B002X6VXL4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002X6VXL4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=UDQWN5EVZ3LYJIQX"><em>Currently $79.88 on Amazon</em></a></p> <h3>Jump-N-Carry Peak Amp Ultraportable 12V Jump Starter with Light</h3> <p><a href="http://www.amazon.com/gp/product/B000XQ9MGE/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000XQ9MGE&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=EOPD4SJJMOG3N24V"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/jump%20n%20carry.jpg" width="245" height="179" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B000XQ9MGE/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000XQ9MGE&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=EOPD4SJJMOG3N24V">Jump-N-Carry JNC300XL 900 Peak Amp Ultraportable 12V Jump Starter</a> is one of Amazon&rsquo;s bestselling jump starters for a reason. With more than 1,000 five star reviews on Amazon, it&rsquo;s helped a lot of people out of binds over the years. The reliable jump starter weighs only nine pounds and is very small, so it is easy to store and effortless to use for men, women, and teens. It&rsquo;s very powerful, with 12-volt operation, 900 peak amps, and 225 cranking amps. It can power most vehicles: four cylinders, six cylinders, and larger vehicles. The 12V socket will allow you to easily power a number of accessories. It has an impressive 27&rdquo; cable reach and full size clamps to penetrate battery corrosion. It also has a battery indicator light and a flashlight to help you quickly jump start your car, even on the side of the road.</p> <p>Along with being ultraportable, it is also the most affordable option on our list. It can last for years, as long as you maintain it by plugging it in once every three months, if you aren&rsquo;t using it. This was selected as one of the best jump starters of 2015 because it provides a strong electrical connection and can easily recharge even a corroded battery. If you&rsquo;re looking for something a bit larger, consider other bestselling jump starters from the brand, such as the <a href="http://www.amazon.com/gp/product/B000JFJLP6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000JFJLP6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=ZVBHYUQKIMPZXHOI">Jump-N-Carry JNC660 1700 Peak Amp 12-Volt Jump Starter</a>.</p> <p><a href="http://www.amazon.com/gp/product/B000XQ9MGE/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000XQ9MGE&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=EOPD4SJJMOG3N24V"><em>Currently $64.95 on Amazon</em></a></p> <h3>PowerAll Rosso Portable Power Bank and Car Jump Starter</h3> <p><a href="http://www.amazon.com/gp/product/B00D42AFS8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00D42AFS8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=R6IBG5HQ5WDPEBNA"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/powerall.jpg" width="200" height="183" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B00D42AFS8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00D42AFS8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=R6IBG5HQ5WDPEBNA">PowerAll PBJS12000R Rosso Red/Black Portable Power Bank</a> is a 400 Peak Amp Jump Starter and 12,000 mAh High Capacity Battery. It can charge your battery in a matter of seconds, while some other jump starters can take up to 20 minutes. This portable battery charger and charging adapter has built-in protection against short circuit, over current, overload, over-charge, and over voltage. At just over one pound and six inches long, you can easily store this in your glove box, backpack, or emergency kit.</p> <p>While it is a very small, portable size, it is powerful enough to jumpstart your vehicle 20 times on a full charge. It includes battery indicating lights and a bright LED light on one end with three different modes: a flashlight, strobe light, and SOS light, which can last for 120 hours. There is also an AC adapter, 12V DC adapter, a set of clamps and jumper cables, and two USB ports, so you can easily charge your devices in an emergency. It also includes eight different charging adapters to fit all your portable electronic devices.</p> <p>This can get you out of a number of jams. Whether your car won&rsquo;t start up or you need to charge your smartphone, this can do it all. With dual USB ports, you can even charge two devices at the same time. After the devices are fully charged, this will enter sleep mode so you don&rsquo;t lose the charge. It can last for years, if you maintain it properly by charging it at least once every three months when not in use.</p> <p>This is one of the &ldquo;most wished for&rdquo; items on Amazon and one of Amazon&rsquo;s bestselling jump starters, with nearly 1,000 five star reviews. Consumer Reports selected this as one of the best jump starters because it offers strong performance and good accessory charging options. It has been selected numerous times as the best compact battery booster, including by CNET, who selected it as one of the best pocket-sized jump starters. It was also selected as one of the best jump starters of 2015.</p> <p><a href="http://www.amazon.com/gp/product/B00D42AFS8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00D42AFS8&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=R6IBG5HQ5WDPEBNA"><em>Currently $89.75 on Amazon</em></a></p> <h3>Schumacher DSR ProSeries 2200 Peak Amps Jump Starter and Portable Power Unit</h3> <p><a href="http://www.amazon.com/gp/product/B000N4UQL6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000N4UQL6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=2P2NWIXNQEBE36H4"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/schumacher.jpg" width="198" height="220" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B000N4UQL6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000N4UQL6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=2P2NWIXNQEBE36H4">Schumacher DSR ProSeries 2200 Peak Amps Jump Starter</a> portable power unit is one of Amazon&rsquo;s bestselling jump starters, commonly recommended by professionals, used in professional auto shops, and is even used by AAA representatives when you need a jump. It has 2200 peak amps, 330 cranking amps, and 275 cold cranking amps. It also has a three-amp built-in automatic charger, reverse hook-up alarm, heavy duty clamp with replaceable copper jaws, four-gauge 50 inch cables, high impact rubber base, and a durable polypropylene vented case. It&rsquo;s sturdy, safe, and easy to use. Along with serving as a backup jump starter, it can also power 12V DC accessories. If you charge the professional grade, high output battery once you receive it, it can hold the charge until you need it.</p> <p>Most reviewers agree that this durable jump starter will last for years, even if you use it multiple times throughout the year. It can jump several cars multiple times with no problem. If this doesn&rsquo;t provide the amount of power you need, Schumacher offers jump starters ranging from 1800-4400 Peak Amps. Both the Schumacher PSJ-2212 DSR ProSeries 2200 Peak Amps Jump Starter and Portable Power Unit and the <a href="http://www.amazon.com/gp/product/B004EIAADG/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004EIAADG&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=XNLJPUFNDQDDU4EP">Schumacher XP2260 1200 Peak Amp Instant Portable Power Source</a> were voted some of the best jump starter kits of 2015, so you are sure to love either of these bestsellers.</p> <p><a href="http://www.amazon.com/gp/product/B000N4UQL6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000N4UQL6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=2P2NWIXNQEBE36H4"><em>Currently $150.34 on Amazon</em></a></p> <p>And those are our recommendations for the best jump starters. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-jump-starter-kits">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-car-battery-warmers">The 5 Best Car Battery Warmers</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-winter-tires">The 5 Best Winter Tires</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-lip-stains">The 5 Best Lip Stains</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-facial-cleansing-wipes">The 5 Best Facial Cleansing Wipes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-laundry-detergents">The 5 Best Laundry Detergents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping auto repairs car kit car parts car repair jump starter kit product reviews Thu, 21 Jan 2016 10:00:04 +0000 Andrea Cannon 1634657 at http://www.wisebread.com 3 Ways Your Commute Is Killing You — And What to Do About It http://www.wisebread.com/3-ways-your-commute-is-killing-you-and-what-to-do-about-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-ways-your-commute-is-killing-you-and-what-to-do-about-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_driving_mad_000082141745.jpg" alt="Woman learning ways her commute is killing her " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How many times have you pounded your fist on the dashboard of your car and moaned, &quot;This traffic is killing me!&quot;</p> <p>What if I told you it literally <em>is</em> killing you? Here are all the ways the better part of an hour that you spend driving to work each day is doing you real harm&hellip; and some healthier alternatives that might just save you.</p> <h2>Time in the Car Is Sedentary</h2> <p>People who <a href="http://www.ajpmonline.org/article/S0749-3797%2812%2900167-5/abstract">commute more than 20 miles a day</a> are more likely to have high blood sugar, high cholesterol, depression, and anxiety, according to a study of Texas road warriors. The authors blamed the health consequences on the fact that long drives leave less time for exercise.</p> <h2>The More You Drive, the More You Weigh</h2> <p>Daily <a href="http://www.ajpmonline.org/article/S0749-3797(12)00776-3/abstract">car commuters gained more weight</a> over a four-year period than occasional car commuters, and nearly twice as much as non-car commuters, an Australian study found. Overweight and obesity combined are the <a href="https://www.wvdhhr.org/bph/oehp/obesity/mortality.htm">second-leading cause of preventable death</a> in the United States.</p> <h2>Even on Public Transit, Long Commutes Wear You Out</h2> <p>A survey of <a href="http://www.journalsleep.org/ViewAbstract.aspx?pid=24164">Long Island rail commuters</a> published in the journal Sleep showed that the longer the commute, the less sleep riders got at night. A Swedish study compared folks who drove or <a href="http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3226527/">took transit to work</a> to those who biked there; the train riders were more likely to feel stressed and exhausted, miss sleep, and call in sick.</p> <p>Unfortunately, most of us can't just call our bosses and explain that commuting is unhealthy and therefore we can't go to work. Well, we can, but we won't get paid. So here are some more practical ideas for avoiding death by commute.</p> <h2>Consider Travel Time When Home and Job Shopping</h2> <p>Since commute time is a serious health issue, it's worthwhile to make it a priority right up there with the quality of schools and the cost of homes when you're deciding where to live. Whenever my family relocates for work, we start our home search with a local transit map. We pinpoint communities where we could walk or bike to a train or, in our current location, ferry. Where we live now, we are lucky enough to be able to get around <a href="http://carfreemom.com/">without owning a car</a>. Both my spouse and I have turned down job offers that would have forced us to drive long distances.</p> <p>When you account for the impact on health, travel time becomes just as relevant as the pay and benefits offered.</p> <h2>Look Into Bike Commuting</h2> <p>People who <a href="http://www.ajpmonline.org/article/S0749-3797(15)00159-2/abstract">pedal to work tend to get more exercise</a> overall, because it's not as if they sit around more after work once the trip is done, according to a study of Spanish bike commuters. In my experience, many members of our community are unaware that it's possible to bring your bike along on the bus, train, and ferry, making it quite practical to pedal at least part of a long commute. (See also: <a href="http://www.wisebread.com/the-5-best-road-bikes">The 5 Best Road Bikes</a>)</p> <h2>Ask for Work Flexibility</h2> <p>Even if you can't avoid driving to work, you may be able to change your work hours slightly so that you drive before or after the peak traffic hours. Other professionals have success requesting one or more work-from-home days per week, which can free up time for a jog.</p> <p><em>How do you get to work in the morning? Share with us 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/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/3-ways-your-commute-is-killing-you-and-what-to-do-about-it">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/10-smart-things-to-do-during-your-commute-even-if-you-drive">10 Smart Things to Do During Your Commute (Even If You Drive!)</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/heres-how-rich-youd-be-if-you-stopped-driving">Here&#039;s How Rich You&#039;d Be If You Stopped Driving</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/alternatives-to-drunk-driving">Alternatives to drunk driving</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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/safety-tips-for-holiday-driving">Safety Tips for Holiday Driving</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Cars and Transportation commute drive to work driving Health work commute Fri, 08 Jan 2016 12:00:02 +0000 Carrie Kirby 1634703 at http://www.wisebread.com 4 Ways Being a Safe Driver Will Save You Big Money http://www.wisebread.com/4-ways-being-a-safe-driver-will-save-you-big-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-being-a-safe-driver-will-save-you-big-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_driving_car_000052861520.jpg" alt="Woman learning how being a safe driver will save her big" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>That speeding ticket can cost you &mdash; to the tune of an initial fine of $100 or more. That's bad enough, but then comes the hit to your insurance premium. You can expect the cost of your auto insurance to jump by at least 20% if you're caught driving 15 miles per hour over the speed limit, according to a study by InsuranceQuotes.com.</p> <p>But if you follow the speed limit, you don't have to worry about this financial hit. (See also:&nbsp;<a href="http://www.wisebread.com/10-new-car-costs-the-dealer-is-hiding-from-you">10 New Car Costs the Dealer Is Hiding From You</a>)</p> <p>That's just one of the ways that being a safe driver can save you a load of money. Here's a look at the financial benefits that a safe driving record will bring you.</p> <h2>Lower Insurance Rates and Discounts</h2> <p>A clean driving record &mdash; one free of auto accidents, speeding tickets, or other moving violations &mdash; can dramatically reduce the amount you pay to your auto insurer each month.</p> <p>Insurance Quotes and Quadrant Information Services studied the impact of traffic incidents on insurance rates, and discovered that driving under the influence increased auto insurance premiums by an average of 93%. Reckless driving boosted it upward by an average of 82%. For speeding, the average increase varied, but those drivers going up to 15 miles per hour over the limit generally saw their insurance premiums jump by 21%.</p> <p>Another study by InsuranceQuotes.com, released in early 2015, found that drivers who make one accident claim will see their auto insurance rates jump by an average of 41%. Those who make two claims in a year will see their auto insurance rates increase by 93%.</p> <p>If you're a safe driver, you can actually be rewarded and save money by way of discounts. Allstate offers savings of 22% on policies after three consecutive years without any violations or accidents. After five years without any violations or accidents, drivers can reduce their insurance rates by 35%. Allstate also offers a defensive-driver discount. Under this program, drivers who are 55 or older and who complete six or more hours of defensive-driving courses can save up to 10% on their auto insurance.</p> <p>Don't have Allstate? Geico offers a discount of 26% for drivers who have been accident-free for five years. American Family offers drivers without accidents, violations, or claims a discount of 5% to 10%. Contact your auto insurance provider and see what safe driver discounts are available.</p> <h2>No Speeding Tickets</h2> <p>Getting a speeding ticket isn't much fun. It's costly, too. Last year, NerdWallet took a look at what a speeding ticket can cost drivers in California. According to the site, those drivers who were ticketed for going 15 miles per hour over the speed limit paid an average of $234 when fees and surcharges were taken into account.</p> <p>In 2013, insurer Esurance reported that the average speeding ticket costs drivers throughout the United States $150. That's a lot of money. And it doesn't even take into account how much your insurance rate will jump after a speeding ticket. Speaking of which...</p> <h2>Gas Savings</h2> <p>You might not think that driving the speed limit will save you money at the fuel pump, but it will. According to the Department of Energy's FuelEconomy.gov, aggressive driving &mdash; which includes speeding, rapid acceleration, and hard braking &mdash; can lower your car's gas mileage by 33% at highway speeds and by 5% when you're driving in town.</p> <p>By driving the speed limit, and by avoiding rapid acceleration and braking, you can save up to 21 cents per gallon in fuel costs.</p> <h2>Fewer Traffic Accidents</h2> <p>Car accidents are terrifying events. They're also expensive ones.</p> <p>Speeding, not paying attention, or driving under the influence can not only result in terrible injury or death, but tremendous economic impact. According to a 2010 study by the National Highway Traffic Safety Administration, the overall cost of motor vehicle crashes in the U.S. amounted to nearly $1 trillion. By being more aware, you can save yourself and others the costly financial burden of deductibles, auto and property repairs, rate hikes, and bodily injury.</p> <p>Driving safely and at the speed limit won't completely protect you from car accidents and their costs. But it will help.</p> <p><em>Do your driving habits help or hurt your wallet?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/4-ways-being-a-safe-driver-will-save-you-big-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-steps-you-must-take-if-youve-been-in-a-car-accident">10 Steps You Must Take If You&#039;ve Been in a Car Accident</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-what-that-ticket-you-got-will-do-to-your-car-insurance-rate">This Is What That Ticket You Got Will Do to Your Car Insurance Rate</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/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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-dangerous-mistakes-even-safe-drivers-make">8 Dangerous Mistakes Even Safe Drivers Make</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/3-ways-your-commute-is-killing-you-and-what-to-do-about-it">3 Ways Your Commute Is Killing You — And What to Do About It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation auto insurance discounts driving rates safety tickets Tue, 05 Jan 2016 18:00:07 +0000 Dan Rafter 1629243 at http://www.wisebread.com The 5 Best Car Battery Warmers http://www.wisebread.com/the-5-best-car-battery-warmers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-car-battery-warmers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_driving_winter_000017948081.jpg" alt="Couple using best car battery warmers on winter drive" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Winters can be harsh on your vehicle. If you&rsquo;re struggling to battle the cold winter weather, keep in mind that your car is too. It can become more difficult to start your vehicle during these cold months because the battery fluid can freeze over if you don&rsquo;t take precautionary measures now.</p> <h2>What Is a Battery Warmer?</h2> <p>A battery warmer can keep your battery insulated and warm throughout the cold winter months. This will help to prevent the battery fluid from freezing over and will allow you to get your car started much more quickly in the morning. They are very easy to install and should make your life a lot easier. Typically, the warmer can be plugged into any standard outlet and can be easily wrapped around your car battery.</p> <p>Having a jump starter kit can help to get you out of a bind when your car won&rsquo;t start in the morning. However, having a battery warmer in place will help prevent a problem from occurring in the first place. Auto fluids can thicken at cold temperatures, but battery warmers will transmit the heat continuously, to ensure the liquids stay fluid, so you can start your vehicle right away.</p> <p>Along with keeping your battery warm in cold climates, it can even help extend your battery&rsquo;s life, deliver better fuel economy, reduce wear, and protect your engine from cold weather damage. To ensure you choose the correct battery warmer, simply measure the distance around your battery and select the warmer length closest to that distance.</p> <h2>Top 5 Car Battery Warmers</h2> <h3>Kat's 22200 Battery Thermal Wrap</h3> <p><a href="http://www.amazon.com/gp/product/B000I8XD9E/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000I8XD9E&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=YSXUVIEMST4XIOAF"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kat%20battery.jpg" width="245" height="172" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B000I8XD9E/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000I8XD9E&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=YSXUVIEMST4XIOAF">Kat's 22200 80 Watt 36&quot; Battery Thermal Wrap</a> can help protect your vehicle from the cold weather, and all the associated problems it brings. This is one of the most widely recommended battery warmers and has exceptional reviews online. It offers easy installation and can perfectly fit most batteries. It is also vinyl covered to protect against oil and acid, ensuring a longer life.</p> <p>Kat&rsquo;s offers some of the most popular battery pad heaters on the market, so you really can&rsquo;t go wrong with any Kat&rsquo;s battery warmer. You may also want to consider the <a href="http://www.amazon.com/gp/product/B000I8XDAS/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000I8XDAS&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=L6YXP6NJT6HCNMAA">Kat's 22400 60 Watt 5.5&quot;x 8.5&quot; Battery Pad Heater</a>, which can fit most car and truck batteries.</p> <p><a href="http://www.amazon.com/gp/product/B000I8XD9E/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000I8XD9E&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=YSXUVIEMST4XIOAF"><em>Currently $29.24 on Amazon</em></a></p> <h3>Zerostart 280-0063 Blanket Style Battery Heater</h3> <p><a href="http://www.amazon.com/gp/product/B002UNASS4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002UNASS4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=3LVQZOAC2UJP7ANU"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/zerostat.jpg" width="245" height="134" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B002UNASS4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002UNASS4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=3LVQZOAC2UJP7ANU">Zerostart 280-0063 Blanket Style Battery Heater</a> is an Amazon bestseller. The 160-Watt heating unit can help you quickly start your car, even in the coldest climates. It features a molded rubber cord, flexible heater sheathing, and is flame retardant and oil and acid resistant.</p> <p>The battery heater is really easy to install on a clean, dry battery with up to a 36&rdquo; perimeter. You simply wrap it around your battery and hold it in place with the included ties. The cord is installed into the blanket with a brass grommet, designed to prevent tearing and prolong the heater&rsquo;s useful life.</p> <p><a href="http://www.amazon.com/gp/product/B002UNASS4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002UNASS4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=3LVQZOAC2UJP7ANU"><em>Currently $37.99 on Amazon</em></a></p> <h3>GM # 10952544 Battery Heater Blanket</h3> <p><a href="http://www.amazon.com/gp/product/B000FE7IIS/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000FE7IIS&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=NVJD2572IZYIGQRP"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/gm.jpg" width="200" height="200" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B000FE7IIS/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000FE7IIS&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=NVJD2572IZYIGQRP">GM # 10952544 Battery Heater Blanket</a> is a genuine OEM factory part. You simply wrap this around your battery to help you start your vehicle in no time, even in the coldest climates. It can keep your battery warm year-round and is commonly chosen for snowplows in the middle of winter. The 80-Watt battery blanket fits batteries with a 32&quot;-38&quot; perimeter. It is easy to install and plugs into any standard outlets.</p> <p><a href="http://www.amazon.com/gp/product/B000FE7IIS/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000FE7IIS&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=NVJD2572IZYIGQRP"><em>Currently $25.36 on Amazon</em></a></p> <h3>Kat's 1160 Magnum Handi-Heat Magnetic Heater</h3> <p><a href="http://www.amazon.com/gp/product/B000I8YOR4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000I8YOR4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=ZONMOWHKENJN6AVL"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kats%20magnum.jpg" width="245" height="203" align="right" alt="" /></a>If you want to protect your vehicle and ensure that it starts up faster during the coldest times of the year, then you need the <a href="http://www.amazon.com/gp/product/B000I8YOR4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000I8YOR4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=ZONMOWHKENJN6AVL">Kat's 1160 300-Watt Magnum Handi-Heat Magnetic Heater</a>. It is easy to install and will fit securely, with a universal fit for all cars, trucks, vans, SUVs, farm equipment, snowmobiles, motorcycles, snow blowers, and chainsaws. Along with warming your vehicle battery, it can also warm hydraulic systems or thaw frozen gutters, livestock feeders, locks, and pipes. It heats about 20 square inches of surface area and features two powerful magnets.</p> <p>For smaller applications, such as snowmobiles and small engines, consider the <a href="http://www.amazon.com/gp/product/B000BOABS6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000BOABS6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=WSAEOUFEUPW4F655">Kat's 1153 Handi-Heat 200 Watt Magnetic Heater</a>. Kat&rsquo;s offers some of the most popular battery pad heaters on the market, so you really can&rsquo;t go wrong with any Kat&rsquo;s battery warmer.</p> <p><a href="http://www.amazon.com/gp/product/B000I8YOR4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000I8YOR4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=ZONMOWHKENJN6AVL"><em>Currently $44.51 on Amazon</em></a></p> <h3>DEI 010480 Cell Saver</h3> <p><a href="http://www.amazon.com/gp/product/B000MY0MQ6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000MY0MQ6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=H6UVDZVMYPEZ44VI"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/dei.jpg" width="220" height="188" align="right" alt="" /></a>The <a href="http://www.amazon.com/gp/product/B000MY0MQ6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000MY0MQ6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=H6UVDZVMYPEZ44VI">DEI 010480 Cell Saver</a> can do more than just warm your battery; it can also help to protect it from overheating. With a reflective layer on the outside, it can absorb and neutralize any leaking battery acids and can withstand radiant temperatures of up to 2,000 degrees. It can protect your battery against heat and vibration that could cause premature failure and hazardous leaks during the summer, while keeping it warm during the winter. You can use this on its own or use it along with a battery thermal wrap, if you live in particularly cold climates.</p> <p>It comes with a complete battery insulation kit and everything you need. It is easy to install and should fit like a glove. You can trim the wrap to fit your battery and use the supplied edge sealing tape to secure it in place. It also comes with a base mat.</p> <p><a href="http://www.amazon.com/gp/product/B000MY0MQ6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000MY0MQ6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=H6UVDZVMYPEZ44VI"><em>Currently $20.28 on Amazon</em></a></p> <p>And those are our recommendations for the best car battery warmers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-car-battery-warmers">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/the-5-best-jump-starter-kits">The 5 Best Jump Starter Kits</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-winter-tires">The 5 Best Winter Tires</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-lip-stains">The 5 Best Lip Stains</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-facial-cleansing-wipes">The 5 Best Facial Cleansing Wipes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-laundry-detergents">The 5 Best Laundry Detergents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping car battery car battery warmer car repair product reviews winter Thu, 31 Dec 2015 10:00:02 +0000 Andrea Cannon 1629637 at http://www.wisebread.com 6 Smart Auto Finance Options http://www.wisebread.com/6-smart-auto-finance-options <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-smart-auto-finance-options" 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_000033988744.jpg" alt="Learning smart auto finance options" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Finding the right auto financing is one of the most important parts of the car buying process. But how do you figure out which option is right for you? We've come up with some general guidelines to help you find the best financing for your budget, credit, and personal needs. (See also: <a href="http://www.wisebread.com/17-things-car-salesmen-dont-want-you-to-know?ref=seealso">17 Things Car Salesmen Don't Want You to Know</a>)</p> <h2>1. Direct Lending Options</h2> <p>Some of the best sources for direct lending include banks, credit unions, and private online dealers. You may want to start your search with any bank or credit union that you already have a relationship with. If you have good history with them, they will likely have special offers on auto financing. If you receive offers from private online lenders or dealerships that you aren't familiar with, make sure to look them up on the Better Business Bureau to ensure they are reputable.</p> <p>When you get a loan directly from a bank or credit union, you may have more flexibility with the dealership. They might work harder to beat the deal you have and offer even better rates. By having an auto financing deal set up before you visit the dealership, you can focus on getting the best price for your new car and the highest price for your trade-in, rather than having to worry about haggling for better financing offers.</p> <h2>2. Benefits of Going With the Dealership</h2> <p>According to the Center for Responsible Lending, eight out of 10 car buyers choose to finance with the dealership. That's partially because choosing the dealership's financing can provide more than just a better APR. For instance, it will be easier for you to negotiate a lower price if you are also working with the dealership on financing. Your business will be even more important to them, so they may be willing to work with you on the total cost of the vehicle, or even throw in some free upgrades.</p> <p>It is often easier to get approved for a loan through a car dealer. However, they don't always have the best rates available, so you may save more with direct lending through a bank or credit union. Before you head into the dealership, it's helpful to have another financing offer in hand. Even if you choose to go with the dealership's financing, you'll have a rate for them to beat.</p> <p>The dealer may be able to offer special manufacturer incentives, such as lower APR, no down payment offers, or cash back. You may also be able to negotiate the APR, loan term, or monthly payment. Even if you do decide to finance with your dealership, going in empty-handed will make you an easy target.</p> <h2>3. Know What You Can Afford</h2> <p>When comparing auto financing offers, there are certain things you will want to take note of, including:</p> <ul> <li>Annual percentage rate (APR): A lower rate will save you more money.<br /> &nbsp;</li> <li>Loan term: A shorter term means higher monthly payments, but less interest paid overall, and possibly a lower APR. Most dealerships offer loan terms between 36&ndash;60 months.<br /> &nbsp;</li> <li>Down payment: The higher your down payment, the shorter your loan term will be, and you may possibly enjoy a lower APR.<br /> &nbsp;</li> <li>Monthly payment: This will be affected by the APR, loan term, and down payment.</li> </ul> <p>Keep in mind that determinants like the length of the loan term and how much of a down payment you can afford will change your monthly payment and the APR. For instance, if you can put down a larger down payment or pay off the loan faster, the interest rate will likely go down.</p> <h2>4. Know Your Credit Standing</h2> <p>Your credit is a huge determining factor of how good a financing offer you will receive. If you aren't sure of what your credit is looking like, visit AnnualCreditReport.com for your free credit report. If you notice any errors, make sure to have them corrected before you apply for auto financing.</p> <p>If you have bad credit or no credit at all, there are still loan options available to you. However, you may not be eligible for favorable rates or loan terms. If you need a car now, consider getting the best loan available to you at the moment and then refinance it in the future when your credit has improved. You might also consider applying with a co-signer.</p> <h2>5. Shop Around</h2> <p>Don't settle for the first offer you find. In fact, you should have at least three offers in hand before visiting a dealer. Make sure you have done your homework and compared various offers before stepping foot into the dealership. This will give you more bargaining power and a greater understanding of what to expect.</p> <h2>6. Lease It</h2> <p>When all else fails, you can lease. This is similar to a long-term rental agreement. This is a great option if you aren't concerned about owning a car, or if you like to frequently upgrade your vehicle.</p> <p>You will receive various leasing offers from the dealership based on your credit and ideal loan term. Be sure to consider the number of months and miles that you need the vehicle for. At the end of the lease agreement, you may be able to buy the vehicle at an agreed-upon discounted price, or you can simply return it and pay any remaining fees.</p> <p><em>Do you have other tips for finding the right auto financing offers? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/6-smart-auto-finance-options">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-calculate-your-new-car-budget">7 Easy Ways to Calculate Your New Car Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/speed-past-car-debt-with-this-simple-timing-trick">Speed Past Car Debt With This Simple Timing Trick</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/6-things-you-should-never-do-when-applying-for-a-credit-card">6 Things You Should Never Do When Applying for a Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation auto financing car dealerships credit leasing loans price comparisons Tue, 22 Dec 2015 22:00:04 +0000 Andrea Cannon 1621621 at http://www.wisebread.com 8 Things You Should Always Buy Used http://www.wisebread.com/8-things-you-should-always-buy-used <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-things-you-should-always-buy-used" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sale_sign_000062762852.jpg" alt="Woman learning which things she should always buy used" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Sure, everyone loves the smell of a new car. And there's something appealing about the thought of a brand new home that hasn't suffered the wear-and-tear of past owners. But there are some purchases that you should never make new, no matter how tempting. Here are eight items that you're better off buying used. (See also: <a href="http://www.wisebread.com/10-things-you-should-never-buy-used?ref=seealso">10 Things You Should Never Buy Used</a>)</p> <h2>1. Cars</h2> <p>You've heard that a new car starts losing value as soon as you drive it off the lot. That's not a myth &mdash; it's a fact. Just as importantly, new cars cost thousands of dollars more than vehicles that are just one model year older.</p> <p>Here's an example: TRUECar says that dealers are offering the 2016 Subaru Forester SUV for about $25,000. The same website found a 2015 Subaru Forester for $23,000. You could save $2,000 just by buying a new car one model year older. If you're willing to go with an even older model, you'll save more. TRUECar listed a 2013 Forester for $18,556.</p> <h2>2. Homes</h2> <p>It might seem tempting to buy a new home. You won't have to worry about a 10-year-old water heater suddenly bursting, or a 15-year-old roof springing an unexpected leak. But new homes are also more expensive than existing ones.</p> <p>The National Association of Realtors reported that the median price for existing homes across the country stood at $221,900 in September. That's 6.1% higher than where this figure stood in September of last year, but it's still lower than the median sales price for a new home.</p> <p>According to the Federal Reserve Economic Data gathered by the Federal Reserve Bank of St. Louis, the median sales price for new houses sold in the United States hit $296,900 in September of this year, more than $70,000 more than the median price for existing homes.</p> <h2>3. Textbooks</h2> <p>If you're a college student, you should know this already &mdash; but it rarely makes sense to buy textbooks new. (See also: <a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks?ref=seealso">20 Places to Buy Used or Rent Textbooks</a>)</p> <p>The College Board estimates that the average college student in the United States spends about $1,200 a year on textbooks and supplies, while the Government Accountability Office reported that from 2002 through 2013, the price of college textbooks jumped 82%. Then, when students sell these books back at the end of the year, they often receive just pennies on the dollar.</p> <p>The better move is to hunt for used versions of these textbooks. It can save you hundreds of dollars a semester.</p> <h2>4. Pets</h2> <p>It always makes financial sense to buy a &quot;used&quot; pet from your local humane society. It may not even cost anything to adopt your new companion from the shelter.</p> <p>Buying a pet from the humane society is also a good thing to do. The ASPCA says that about 2.7 million animals are euthanized each year &mdash; 1.2 million dogs and 1.4 million cats. If you adopt from your local animal shelter, you'll do your part to reduce these numbers.</p> <h2>5. Baby Clothing</h2> <p>Here's a truth about baby clothes: Your infant will barely wear each of the fuzzy outfits you buy. That's because babies grow so fast that they're constantly &mdash; and rapidly &mdash; getting too big for their outfits.</p> <p>This is why it makes financial sense to purchase your baby clothes used. You can save a bundle when compared to buying new. And if you end up with some outfits that aren't your favorite? Don't worry, your baby will outgrow them quickly enough.</p> <h2>6. Furniture</h2> <p>Furnishing a new home or apartment can cost a small fortune. But you don't have to overspend on a couch, loveseat, or end table if you buy them used.</p> <p>There are plenty of sources for used furniture. You can find value-priced items at estate sales, antique stores, flea markets, and yard sales. Sure, you'll be sitting on a sofa that many others have sat on before, but think of how much fatter your wallet will be.</p> <h2>7. Tools</h2> <p>You don't need the latest year's screwdriver, do you? You don't need a shiny new hammer, either. Tools are one of the best items to buy used because there's little difference between a 10-year-old hammer and one manufactured yesterday.</p> <p>As with furniture, you can find plenty of used tools at garage and estate sales. You can also hunt sites such as Craigslist for deals. But you should draw the line at tools with motors and moving parts. You don't want to buy an old power tool that might malfunction and leave you with a few less fingers on your favorite hand.</p> <h2>8. Musical Instruments</h2> <p>Ask parents who've had to buy their children tubas, baritones, or saxophones for the elementary school band: Musical instruments are pricey.</p> <p>If you buy these instruments used, you can save a bundle. And many of the used trumpets, clarinets, and guitars that you buy will have been refurbished so that they feel like new. Many of these used instruments have rarely been played before hitting the resale market.</p> <p><em>What products do you like to buy second-hand?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/8-things-you-should-always-buy-used">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/beware-of-pretty-things-4-reasons-im-keeping-my-ugly-old-stuff">Beware of Pretty Things: 4 Reasons I’m Keeping My Ugly, Old Stuff</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-free-things-that-arent">8 &quot;Free&quot; Things That Aren&#039;t</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-car-battery-warmers">The 5 Best Car Battery Warmers</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/8-ikea-shopping-tricks">8 IKEA Shopping Tricks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Real Estate and Housing Shopping baby clothes furniture musical instruments pets secondhand textbooks used Fri, 11 Dec 2015 12:00:04 +0000 Dan Rafter 1619233 at http://www.wisebread.com 10 New Car Costs the Dealer Is Hiding From You http://www.wisebread.com/10-new-car-costs-the-dealer-is-hiding-from-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-new-car-costs-the-dealer-is-hiding-from-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/buying_a_car_000033988744.jpg" alt="Learning new car buying costs that the dealer is hiding" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Car dealers are experts at extracting as much money as possible from buyers. Of course, the dealer will try to get the highest price they can on the cars they sell, but there are many other sneaky costs involved. Here are some of these hidden new car costs and how to avoid them.</p> <p>See also: <a href="http://www.wisebread.com/17-things-car-salesmen-dont-want-you-to-know?ref=seeals">17 Things Cars Salesmen Don't Want You to Know</a></p> <h2>1. Tax, Title, and License</h2> <p>You may think you've finished negotiating the price down to a level you can afford, but wait &mdash; there's more! When you see the final cost for your vehicle, you will be hit with tax, title, and license fees on top of the price you negotiated. This can add up to thousands of dollars on your new car.</p> <p>Save by keeping these costs in mind when selecting a vehicle (less expensive vehicles have lower tax and title fees). Here is a calculator you can use to&nbsp;<a href="http://www.carmax.com/enus/tax-title-tags-fees-calculator/default.html">estimate tax, title, and license </a>costs in your state. Negotiate the vehicle price considering the full cost including these fees, so you can end up closer to the total you had in mind.</p> <h2>2. Splash Guards and Bug Shields</h2> <p>Since you are spending so much to buy a new car, why not spend a few hundred dollars more to protect it? The dealer may offer to install splash guards and bug shields to help protect your new vehicle from damage. These items are very profitable for the dealer.</p> <p>Save by having accessories installed elsewhere for much less if you decide you still want them.</p> <h2>3. Extended Warranty Coverage</h2> <p>New cars come with warranty coverage, but you can extend the length of the warranty or add additional items to be covered for an additional price. Are extended warranties a good deal? Not according to Consumer Reports. On average, you will pay <a href="http://www.consumerreports.org/cro/magazine/2014/04/extended-warranties-for-cars-are-an-expensive-game/index.htm">more for the extended warranty</a> coverage than you will gain from having it.</p> <p>Save time and money by skipping the extended warranty coverage offered on your new car.</p> <h2>4. Oil Change Packages</h2> <p>Your dealer may offer you a chance to pre-pay for a number of oil changes. This special offer may make the cost of the dealer shop competitive with your regular shop. This is a good deal only if the dealer is in a convenient location, and only if you stick to just getting the discount oil changes. Service is typically more expensive at dealer shops.</p> <p>Only buy the oil change package if the dealership is in a convenient location. Otherwise, you will spend more time and money getting there, or may not get around to using it at all.</p> <h2>5. Gap Insurance</h2> <p>If you are financing your vehicle, you may be offered gap insurance from your dealer. This protects you from the depreciation of your vehicle if it is involved in an accident and is a total loss. Your comprehensive and collision coverage will only pay for the current value of the vehicle, which can be less than amount you would need to pay off your entire car loan balance. Buying gap coverage at the dealer is typically much more expensive than adding this coverage with your insurance agency.</p> <p>Save on gap insurance by purchasing this from your insurance agent instead of the dealer.</p> <h2>6. Rustproofing</h2> <p>Unlike the bad old days, new cars now come with efficient rustproofing. There is no need to add anything else to improve the rust protection of your vehicle.</p> <p>Save hundreds of dollars by skipping the rustproofing offered at the dealer.</p> <h2>7. Fabric Protection</h2> <p>You may be offered impressive-sounding fabric treatment to protect your car's interior from stains. Modern car interior materials are already stain-resistant if you wipe up spills promptly, so there's really no need for this add-on.</p> <p>If you have kids or pets and are especially worried about protecting your fabric, get a can of Scotchguard and apply it yourself. You'll save tons of money.</p> <h2>8. Paint Protection</h2> <p>It is a good idea to wash and wax your new car regularly, but it is not necessary to pay a lot of money for paint protection. Modern auto finishes do not require a paint sealant, and applying anything to the paint of a brand new car is typically not recommended for a few months to allow the paint to fully cure.</p> <p>Skip the paint protection and get some synthetic car wax instead for much less.</p> <h2>9. VIN Etching</h2> <p>You will want to do everything you can to protect your new car from being stolen, and your dealer may offer to help with this by suggesting VIN etching. Etching your vehicle's VIN number in the windshield can be useful as a deterrent to theft, but having this done at the dealership may cost hundreds of dollars versus doing it yourself with a kit for less than $50.</p> <p>If you have never heard of anyone getting a car stolen where you live or work, you may not need to bother with VIN etching.</p> <h2>10. Higher Interest Rates With Dealer Financing</h2> <p>If you sign up for financing from the dealer, you may be paying a higher interest rate than if you secure financing directly from a bank. Some dealers will give you the best rate they can find for you, but others will mark up the interest rate and keep the difference.</p> <p>Shop for financing at banks and credit unions to find the best rates before you go car shopping and avoid giving extra money to the dealer.</p> <p><em>Have you ever been surprised by hidden car buying fees?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr. Penny Pincher</a> of <a href="http://www.wisebread.com/10-new-car-costs-the-dealer-is-hiding-from-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/10-magic-words-to-say-to-get-the-best-new-car-price">10 Magic Words to Say to Get the Best New Car Price</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-how-the-high-cost-of-cheap-gas-hurts-you">This Is How the High Cost of Cheap Gas Hurts You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/5-myths-about-car-insurance">5 Myths About Car Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-sneaky-investment-fees-to-watch-for">4 Sneaky Investment Fees to Watch For</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation dealerships fees hidden costs new car salesman Wed, 02 Dec 2015 16:00:34 +0000 Dr. Penny Pincher 1617393 at http://www.wisebread.com The Best Gas and Military Credit Card: USAA Cashback Rewards Plus American Express http://www.wisebread.com/the-best-gas-and-military-credit-card-usaa-cashback-rewards-plus-american-express <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-best-gas-and-military-credit-card-usaa-cashback-rewards-plus-american-express" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000015473263.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>This is one of the newer rewards credit cards added to the USAA family. While some of the other rewards cards have featured a couple disadvantages such as a tiered program based on spending, the <a rel="nofollow" target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26086820&amp;fot=1278&amp;foc=1">USAA Cashback Rewards Plus American Express</a> has handled these issues, resulting in an improved product. Because of the new and improved features, the USAA Cashback Rewards Plus American Express is not only one of the best USAA credit cards available, but one of the best all around rewards cards as well.</p> <h2>Why We Like This Card</h2> <ul> <li>Military Benefits</li> <li>Cashback on gas and military base purchases</li> </ul> <h2>How This Card Works</h2> <p>Earn 5% cash back for gas and military base purchases such as those made at commissaries, exchanges, and shoppettes on base, up to a total of $3,000 in purchases per year. You also earn 2% for grocery store purchases up to $3,000 in purchases per year, and 1% cash back for all other purchases. Once you have reached the annual cap, your purchases in those categories earn 1% cash back for the rest of the year. You can earn an unlimited amount of cash back in the 1% category and your rewards do not expire. You'll receive a rebate of your rewards annually in January, for the cash back earned in the prior year.</p> <h2>Other Benefits</h2> <p><strong>USAA MemberShop.</strong> MemberShop is a free shopping portal online where cardmembers can earn extra rewards with popular retailers such as The Home Depot and Macy's. These rewards and savings opportunities are in addition to the rewards earned when you use your card.</p> <p><strong>Reduced APR.</strong> You can qualify for a reduced APR of 4% for up to 12 months during deployment or PCS on all balances and on existing balances when you enter active military duty. Those who participate in a qualified military campaign such as The Global War on Terrorism or Operation New Dawn, can also receive a rebate of all finance charges accrued during the military campaign. USAA membership also includes qualified experts for assisting with military-related questions and for help preparing for, during, and after deployment.</p> <p><strong>Chip card.</strong> Provides extra protection when you use your credit card. Chip cards are accepted worldwide and often preferred over the standard cards with only the magnetic stripe.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>12.15% to 26.15% APR</li> <li>3% Balance Transfer Fee (Up to $200 maximum fee)</li> <li>1% Foreign Transaction Fee</li> </ul> <h2><a rel="nofollow" target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26086820&amp;fot=1278&amp;foc=1"><img width="154" height="50" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a></h2> <h2>Pros</h2> <p><strong>5% cash back for military base purchases. </strong>There are very few cards that award as much as 5% cash back for purchases of any type, except for cards with rotating quarterly categories. Even fewer cards reward extra cash back for purchases made at commissaries, shoppettes, and exchanges, which, for many military members and family who live on base, are their primary stores.</p> <p><strong>5% gas and 2% grocery stores.</strong> Even if you don't frequently shop on base, 5% cash back on gas and 2% on grocery stores purchases are both among the highest cash back rates available for these categories.</p> <p><strong>No rewards tiers.</strong> Unlike the other USAA credit cards, the amount of cash back you earn isn't dependent on how much you spend with your credit card. Regardless of how much you spend per year, you earn 5% cash back on gas and military base purchases, 2% on grocery store purchases, and 1% cash back on all other purchases.</p> <p><strong>Military benefits.</strong> The most significant perks of USAA credit cards are the military benefits which not only help you save money with opportunities for reimbursement of fees and lower APRs, but when you have questions or concerns, you can work with experts who are familiar with your lifestyle and situation. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-for-military-personnel-and-families?ref=review">Best Credit Cards for Military Personnel and Families</a>)</p> <h2>Cons</h2> <p><strong>Annual rebate. </strong>You only receive your cash back once per year in January, for the cash back earned the prior year. While other rewards credit cards allow you to redeem when you reach a certain amount, often as low as $10 or $20, you must accumulate your cash back for the entire year before you receive it.</p> <p><strong>Low limit on bonus categories.</strong> The limit on the 5% cash back categories is $3,000 per year, which only allows approximately $250 per month. If your spending in these categories is regularly more than $3,000 per year, you can earn more cash back with a card that offers a higher limit. For example, the <a href="http://www.wisebread.com/get-cash-back-for-everyday-purchases-with-the-american-express-blue-cash-everyday-card?ref=review">American Express Blue Cash Everyday Card</a> awards 3% for up to $6000 per year in groceries, 2% for gas and department stores (without any limits), and 1% everything else.</p> <p><strong>Foreign transaction fee.</strong> The foreign transaction fee of 1% can become costly if you frequently travel abroad. No annual fee cash back cards which also do not carry foreign transaction fees are rare, and basically include cards like the <a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card?ref=review">Capital One Quicksilver Card</a> and the <a href="http://www.wisebread.com/new-discover-it-chrome-card-no-fuss-rewards?ref=review">Discover it Chrome</a>. If the majority of your spending falls within the 5% cash back categories, the 1% foreign transaction fee may still be worth carrying, especially if you don't use your card often for foreign purchases.</p> <p><strong>Less accepted American Express.</strong> The American Express brand is still not as commonly accepted by retailers as the Visa and MasterCard brands. This can pose a problem if you live in a smaller area or are deployed to a country that prefers Visa or MasterCard. The <a href="http://www.wisebread.com/barclays-rewards-mastercard-review-a-promising-new-card-from-an-old-bank?ref=review">Barclaycard Rewards MasterCard</a> awards 2x points on gas, groceries, and utilities, and 1x points on all other purchases.</p> <h2>Who This Card Is Best For</h2> <p>Of the USAA rewards credit cards, the USAA Cashback Rewards Plus American Express offers the best opportunity for earning the most cash back on your purchases. It is best for members of the military and their families, who frequently shop the 5% categories, but not significantly more than $3,000 per year. It is also best for those living and traveling in areas where the American Express brand is accepted, and for consumers whose purchases are primarily domestic.</p> <p><a rel="nofollow" target="_blank" href="http://track.linkoffers.net/a.aspx?foid=26086820&amp;fot=1278&amp;foc=1"><strong>Click here to learn more and apply for the USAA Cashback Rewards Plus American Express 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/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/the-best-gas-and-military-credit-card-usaa-cashback-rewards-plus-american-express">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/usaa-secured-card-platinum-mastercard-review">USAA Secured Card&amp;reg; Platinum Visa&amp;reg; Review</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/usaa-secured-card-american-express">USAA Secured Card&amp;reg; American Express&amp;reg;: Military Benefits, Low Fees, and Interest on Your Deposit</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/this-is-how-the-high-cost-of-cheap-gas-hurts-you">This Is How the High Cost of Cheap Gas Hurts You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-gamers-card-capital-one-playstation-credit-card">A Gamer&#039;s Card: Capital One PlayStation Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bank-of-america-cash-rewards-for-business-mastercard-review">Bank of America Cash Rewards for Business MasterCard Review</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards credit card reviews gas military USAA Fri, 16 Oct 2015 05:14:31 +0000 Christina Majaski 1568600 at http://www.wisebread.com 6 Ways to Drive a Hybrid or Electric Car on the Cheap http://www.wisebread.com/6-ways-to-drive-a-hybrid-or-electric-car-on-the-cheap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-drive-a-hybrid-or-electric-car-on-the-cheap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/car_gas_tank_000023830503.jpg" alt="Learning how to get a hybrid or electric car on the cheap" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you've considered switching from a conventional gasoline vehicle to an electric or hybrid car, you'll be happy to know that you can expect to save money in the long run. The purchase price may be higher upfront as compared to a traditional gas model, but we've found a number of ways to help you get a green car on the cheap. Consider these options.</p> <h2>1. Buy It Used</h2> <p>Whether you decide to buy new or used, it's important to look for the best deals in your area before you ever step foot into a dealership. By purchasing a used hybrid vehicle, you won't have to sacrifice any of the features you want and can also save some significant money in the process. And since it can take many years for a new hybrid car to pay off in value, a used vehicle makes even more sense from a financial perspective. Make sure to research tips on buying a <a href="http://www.edmunds.com/car-buying/tips-for-used-hybrid-car-shopping.html">used hybrid or electric car</a> for additional ways to save.</p> <h2>2. Research Before You Buy</h2> <p>Green cars aren't always more expensive upfront than comparable gas models. By doing your research and choosing the right model, you can save thousands of dollars on your purchase. You can easily compare the cost of a hybrid versus a non-hybrid from the same manufacturer to determine if buying a new or used hybrid can save you money.</p> <p>When you are comparing various options, make sure to consider more than just the base price. You'll also want to compare things like the mileage, range, charge, charging times, battery life, battery replacement and maintenance costs, power, specs, and your personal driving comfort so that you can get the best vehicle for your needs and lifestyle. The more features you add to your new car, the higher the price tag will be.</p> <h2>3. Watch the Gas Prices</h2> <p>Did you know that <a href="http://time.com/money/3529146/cheap-gas-prices-hybrid-electric-car/">cheaper gas prices</a> also translate to cheaper prices on hybrids and electric cars? Cutting back on gas is one of the major benefits of having a hybrid or electric car, but when gas prices drop, that benefit is suddenly less valuable. And as gas prices drop further, you can expect the price of hybrid and electric cars to continue falling as well.</p> <p>Use this as a bargaining tool when purchasing a new or used electric or hybrid vehicle. If you have a plug-in hybrid vehicle, then make sure to keep the battery fully charged so that it will use as much electricity possible, which will save you money at the pump.</p> <p>See also: <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?ref=seealso2">Best Credit Cards with Gas Rewards</a></p> <h2>4. Take Advantage of Available Incentives</h2> <p>Keep in mind that once you purchase a hybrid or electric car, you may be eligible for <a href="http://driveclean.ca.gov/pev/Costs/Vehicles.php">special incentives</a>, which will result in you saving more money. In fact, you may be eligible for as much as $7,500 in federal tax credits and another $2,500 in state incentives just for making the switch to a more environmentally friendly vehicle.</p> <h2>5. Lease It</h2> <p>Electric cars depreciate in value very quickly, as is the case with traditional gas models. Leasing the vehicle &mdash; rather than buying it &mdash; is a great solution if you aren't planning on keeping the car for the long-term, because you won't have to worry about the large initial depreciation hit. There are some great lease deals available and the low monthly payments can save you even more in the end.</p> <h2>6. Sign Up for Zipcar's Plan (In Select Cities)</h2> <p>If you aren't sure that an electric or hybrid vehicle is right for you, then consider signing up for <a href="http://www.zipcar.com/press/releases/zipcar-pilots-electric-vehicle-program-in-chicago">Zipcar's car-share pod</a>. The Electric Vehicle Pod is available to members by the hour, which will result in only a fraction of the cost of owning an electric vehicle. You can use the service the same as you would a normal Zipcar; simply rent the electric car when you need it, for as long as you need it, and return it when you are done. This is especially ideal for city-dwellers who don't drive on a daily basis. Check the site to see if it's available in your area.</p> <p><em>Do you know of other ways to get a hybrid or electric vehicle on the cheap? Please share your thoughts in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/6-ways-to-drive-a-hybrid-or-electric-car-on-the-cheap">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-your-next-car-be-electric">Should Your Next Car Be Electric?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-mistakes-everyone-makes-when-buying-their-first-car">7 Money Mistakes Everyone Makes When Buying Their First Car</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car">3 Reasons Why You Should Never Buy a New Car</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-how-the-high-cost-of-cheap-gas-hurts-you">This Is How the High Cost of Cheap Gas Hurts You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-car-repair-mistakes-that-can-cost-you">8 Common Car Repair Mistakes That Can Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Green Living electric cars gas prices going green hybrids ride sharing vehicles Mon, 12 Oct 2015 15:00:26 +0000 Andrea Cannon 1571535 at http://www.wisebread.com 5 Wild Rides You Can Absolutely Afford http://www.wisebread.com/5-wild-rides-you-can-absolutely-afford <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-wild-rides-you-can-absolutely-afford" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/water_jet_pack_000045068932.jpg" alt="Man riding water jet pack that anyone can absolutely afford" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A hot air balloon ride will set you back a few hundred dollars. A seat on the planned 2026 one-way mission to Mars might cost you your life. But there are a few quirky rides you can take with a little bit lower stakes. Read on for our roundup of crazy lifts that <a href="http://www.wisebread.com/7-edible-adventures-anyone-can-afford">won't break the bank</a>.</p> <h2>1. E-Wheel</h2> <p><iframe src="https://www.youtube.com/embed/jzXy1g2PEoA" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>What's more compact than a bicycle, more sophisticated than a skateboard, and designed to take you anywhere you wish to go? No, it's not a magic carpet. It's the electric self-balancing unicycle &mdash; a wheel you wedge between your feet and roll toward your next destination using the power of something called &quot;self-balancing technology.&quot; That's a fancy way of saying the E-Wheel reacts to your center of gravity.</p> <p>Simply step on the foot stands and lean into your desired direction. These <a href="http://www.ewheel.net/">strange unicycles</a> are available for a free test drive in places like New York. Whether you're looking to tour the Big Apple, cruise up and down the beach, or mix up your morning commute, the E-Wheel is a compact option with enough practicality to add a bit of speed and efficiency to your day &mdash; and enough flair to make you stand out in the crowd.</p> <h2>2. Stretch Taxi</h2> <p><iframe src="https://www.youtube.com/embed/qAW2OnuxDSQ" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Anything goes on the streets of Cuba. And in this case the anything is a Soviet-era Russian car called the <a href="http://metro.co.uk/2013/05/29/gallery-wacky-wheels-crazy-cars-and-manic-motorbikes-3813984/a-man-drives-his-modified-soviet-era-russian-lada-in-havana/">Lada</a> &mdash; with a strange twist. A do-it-yourself stretch job and a coat of yellow paint has transformed this particular Lada into a makeshift taxi cab. The cost of a ride in this cartoonish set of wheels all depends on where you're going.</p> <h2>3. Stretch Bus</h2> <p><iframe src="https://www.youtube.com/embed/pTHJyoVSG2E" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Public transit in Brazil's Curitiba is by way of bus &mdash; that is, the <a href="http://www.busandcoach.travel/en/latest_news/april11_news04.htm">world's longest articulated bus</a>. The vehicle, made in Brazil by Volvo with a Neobus chassis, can seat 250 passengers. It's 92 feet long, nearly nine feet wide, and powered with biodiesel made from soybeans. The massive vehicle went into service on the city's public transportation grid in 2011. It's a great way to get around the city &mdash; and it won't break the bank.</p> <h2>4. Sperm Bike</h2> <p><iframe src="https://www.youtube.com/embed/t3Z8jmPRPUQ" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>A <a href="http://www.seattlepi.com/local/komo/article/Sperm-bike-attracts-attention-in-Seattle-2239447.php">giant two-wheeler</a> specifically designed to transport sperm samples sure looks the part. Custom-made and nearly 10 feet long, the sperm bike is designed to resemble one, big, oversized sperm. A ride on the bike, found in Seattle, is only possible if you get a job with the program that uses this innovative set of wheels to move sperm samples from the Seattle Sperm Lab to reproductive centers and fertility clinics. But if you find yourself in that position, you'll actually get paid to ride it. Other perks include the ability to make passersby blush and giggle as you pedal by on the bustling city streets.</p> <h2>5. Jetpack</h2> <p><iframe width="420" height="315" src="https://www.youtube.com/embed/aiE58Ri5axQ" frameborder="0" allowfullscreen=""></iframe></p> <p>If you've ever wanted to walk on water, here's the ticket. Strap on a Jetpack &mdash; a vest that uses water propulsion to make you feel like a bird soaring up to 30 feet above the surface of any ocean or lake &mdash; and you can do just that. A rental flight can set you back as much as a couple hundred bucks. But there are some tricks you can utilize to fly like Superman for free. Jetpack rental companies sometimes offer free flight promotions when they first launch their business. At Jetpack America in San Diego, you can <a href="http://www.sandiego.com/jetpack-america-san-diego">score a free flight</a> by posting a YouTube video of your flight experience so long as it attracts more than 200 views.</p> <p><em>What's the craziest thing you've ever ridden?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/5-wild-rides-you-can-absolutely-afford">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/alternatives-to-drunk-driving">Alternatives to drunk driving</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-weird-money-laws-you-may-have-broken">7 Weird Money Laws You May Have Broken</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-good-life-on-less-energy-even-in-the-us">The good life on less energy--even in the US</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-mistakes-everyone-makes-when-buying-their-first-car">7 Money Mistakes Everyone Makes When Buying Their First Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car">3 Reasons Why You Should Never Buy a New Car</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Entertainment articulated bus bike crazy rides getting around jetpack taxi weird Mon, 14 Sep 2015 11:00:36 +0000 Brittany Lyte 1556228 at http://www.wisebread.com The 11 Best Parking Apps for Your City http://www.wisebread.com/the-11-best-parking-apps-for-your-city <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-11-best-parking-apps-for-your-city" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_texting_000038591624.jpg" alt="Woman using apps to find affordable parking" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Finding affordable parking can be a challenge, especially when you live in a heavily populated area. In fact, IBM found that 30% of a city's traffic is attributed to drivers looking for parking. Fortunately, there are a number of apps available to help you find and compare spots, save money every time you park, and even reserve a parking space right from your phone. This will help you get out of traffic and into a safe spot in a fraction of the time and effort.</p> <h2>1. BestParking</h2> <p><a href="http://www.bestparking.com/">BestParking</a> is a top parking app, and has been featured in The New York Times, Wall Street Journal, New York Magazine, Forbes, ABC, FOX, CBS, and NBC. It locates all the available parking spots in your area so you can quickly compare and save. Available in 105 cities and 115 airports throughout North America, it will find you the best spot, no matter where you are. It even sorts spots by price, so you can instantly visualize where the most affordable (and most expensive) spots are. The app has 850,000 monthly users and is backed by outstanding reviews from people who have <a href="http://www.wisebread.com/4-ways-outsourcing-chores-can-save-you-time-and-money">saved time and money</a>.</p> <h2>2. Parker</h2> <p><a href="http://www.streetline.com/find-parking/parker-mobile/">Parker</a> can help you find available parking spots, prices, and hours for 24,000 garages and lots. You can also filter parking spots by space, payment type, and more. Built-in GPS navigation can even guide you to the nearest open spot, so you will never have to drive around confused in a new city again. It can help you find a spot in a parking lot or garage, or it can help you navigate local street parking. It will also run a timer, so you don't have to worry about parking tickets. Parker has outstanding online reviews and was voted one of the most highly recommended apps by Forbes and Mashable.</p> <h2>3. SpotHero</h2> <p><a href="https://spothero.com/">SpotHero</a> is an app recommended by Forbes because it can help you find and compare parking and reserve a spot for up to 50% off the drive-up rate. The app has its own dedicated unsold spots from parking facilities in the area. You can quickly reserve one of those spots from your phone and enjoy a discounted rate in the process. Not only will you save money, but you also won't need to worry about losing your prized spot to another driver. It is available in most large cities and is introducing new locations everyday.</p> <h2>4. ParkMe</h2> <p><a href="https://www.parkme.com/">ParkMe</a> offers the largest and most accurate parking database in the world. With over 84,000 locations in over 64 countries, it can compare the most available spots and save every time you park. You can also reserve a spot in advance with your credit card so you never have to worry about losing your spot again. The app can even tell you where to find parking up to two weeks into the future.</p> <h2>5. Parking Mate</h2> <p><a href="https://www.cars.com/articles/2012/10/trying-to-find-a-parking-spot-can-be-a-hassle-when-the-meter-runs-out-or-when-you-cant-find-your-car-among-the-maze/">Parking Mate</a> shows you where the closest and safest places are to park. It also keeps a log of where you've parked and how much time you have left in your spot, notifying you when you are getting close to expiration. You can even add parking rules to the app to inform others of neighborhood parking regulations. The app is also highly reviewed online and recommended by Mashable.</p> <h2>6. Parking Panda</h2> <p><a href="https://www.parkingpanda.com/">Parking Panda</a> is recommended by Forbes because it sets itself apart from the rest. It partners with stadiums, family attractions, and other events so that you can find a spot close to the action without wasting time searching for parking. There is also a referral program, which will allow you to earn free parking.</p> <h2>7. ParkWhiz</h2> <p><a href="http://www.parkwhiz.com/">ParkWhiz</a> is another app recommended by Forbes because it promises to help save you more money than all the rest. While most apps can only promise savings of about 50%, this app promises savings of up to 60%. The app will help you compare, reserve, and pre-pay for parking in no time.</p> <h2>8. City Specific Apps</h2> <p>There are several options for city specific apps, which are ideal when you live in a large, heavily populated city. Some of the apps for big city parking that you may want to check out include:</p> <ul> <li>VoicePark &mdash; San Francisco</li> <li>Can I Park Here? &mdash; New York</li> <li>PrimoSpot &mdash; New York, Boston, Seattle</li> <li>Chicago Parking &mdash; Chicago</li> </ul> <h2>Avoid Driving Altogether</h2> <p>If you're still having trouble finding parking, consider alternative transportation. Riding a bike is good for your fitness, taking your city's public transportation system will save you money, and walking when you can is great for your health, so try giving your car a break when you can.</p> <p><em>Do you know of any other apps that can help you find affordable parking in your city? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-11-best-parking-apps-for-your-city">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/9-skills-that-will-be-obsolete-soon">9 Skills That Will Be Obsolete Soon</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-back-to-school-iphone-apps">10 Back-to-School iPhone Apps</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-cell-phone-app-thats-saving-me-a-smal-fortune">The Cell Phone App That&#039;s Saving Me A Small Fortune</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-crazy-things-tomorrows-cars-will-do">8 Crazy Things Tomorrow&#039;s Cars Will Do</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Technology apps big cities parking spaces reservations Mon, 31 Aug 2015 15:00:28 +0000 Andrea Cannon 1536846 at http://www.wisebread.com