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Fuel Efficient

With gas prices sky high most individuals who drive are interested in ways they can make their car more fuel efficient and save as much money as possible. While there are no fuel saving tips that will keep your car full of gas without filling up, there are some tips that really can help you save money on fuel over the long run.

Fuel Efficiency Tip #1 Drive When You Crank Up This might seem obvious, but as soon as you crank up your car you should drive off. However, many people crank up and leave the car idling for a while. Instead of this, when you crank up drive off and only keep your car running when it is absolutely necessary.

Fuel Efficiency Tip #2Don’t Ride the Break Many drivers hit the break more often than is necessary. Additionally there are quite a few drivers that slow down for a braking car when they could easily switch lanes. Not riding the break can increase your fuel efficiency by up to 30%, so this is a great tip you should follow.

Fuel Efficiency Tip #3 Turn Off Your Car If you are going to be stopping for more than 10 minutes you should switch off your car to keep fuel efficiency at its peak and not burn more gas than is necessary.

Fuel Efficiency Tip #4 Don’t Turn Off Your Car If you are only stopping for a brief moment or less than 5 minutes then don’t turn off your car because the amount of gas used to crank up is more than you would burn in that short period of time.

Fuel Efficiency Tip #5 Inflate Tires Properly Too many drivers never think of their tires, unless one goes flat. However, having tires that are properly inflated can save fuel and make your car more fuel efficient, saving you money. Because of this, you should check your tire pressure on a regular basis.

While gas prices don’t seem like they will be dipping considerably in the next few months every tip to help you make your car more fuel efficient is helpful. So, follow the above fuel tips and you will see that over time your car really is more fuel efficient.

Written by: Craig Rowe

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Masterfu123

Your Business Finances

Whether you are a new entrepreneur or a more experienced business owner, taking control of your finances can feel like a part-time job.Some simple tipscan help you streamline your time, organize your finances and reduce the stress of business money matters.

1. Keep Your Bills in One Place: When the mail comes, make sure it goes in one place. Misplaced bills can be the cause of unwanted late fees and can damage your credit rating. Whether it’s a drawer, a box, or a file, be consistent. Size is also important. If you get a lot of mail, use an area that won’t get filled up too quickly.

2. Pay Your Bills on Schedule: Bill paying can be simplified if it’s done at scheduled times during the month. Depending on how many bills you receive, you can establish set times each month when none of your bills will be late. If you’re paying bills as you receive them, chances are you’re spending too much time in front of the checkbook. Although bills may state “Payable Upon Receipt”, there’s always a grace period. Call the creditor to find out when they need to receive payment before the bill is considered late.

3. Read Your Credit Card Statements: Most people take advantage of low interest credit card offers but never read their statements when paying the bill. Credit cards are notorious for using low interest as bait for new customers then switching to higher rates after a few months. Make a habit of looking at your statement carefully to see what interest rate you are paying each month and if any transaction fees have been applied. If the rate increases or a transaction fee appears on your statement, a simple call to the credit card company can oftentimes be beneficial in resolving the matter. If not, try to switch your money to a more favorable rate.

4. Take Advantage of Automatic Payments: Most banks offer a way to automatically deduct money from your account to pay creditors. In addition, the creditors usually offer a lower interest rate when you sign up for this payment option because they get their money faster and on-time. Consider it as one fewer check to write, envelope to lick and stamp to buy. Just make sure you record the deduction when the automatic payment is scheduled or you run the risk of bouncing other checks.

Written by: Michael G. Peterson

searchdragon.info

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Saving Tips

Here are four tips that’ll save you money when buying your next computer.

Tip #1 — Rebates: A rebate is not always a bargain. Computers with rebates are often close to being discontinued. You may pick up a good deal or purchase technology that’s about to become yesterday’s news. What’s more, stores will often package computers with a bunch of free items to make it look like you’re getting more value. Chances are the extras are either poor quality or items you’re unlikely to use. Also, they’re counting on you to not redeem your rebate, a very common occurrence.

Tip #2 — Extended Service Warrantees: Buyer Beware! They’re a gamble, but not always a bad idea. If you’re purchasing a laptop and you plan to travel a lot, an extended warranty that covers replacement of the monitor/display can be a good gamble. Replacing a display can cost $400-$600, making the warranty worthwhile. On the other hand, if you plan on buying the warranty for routine maintenance; save your money. Oftentimes it can take weeks for the store to send your PC out for service. Also, remember the store where you purchased your computer does not always do warranty work during the first year, instead you may have to ship it directly to the manufacturer. In general, extended warranties cover electronics [things you can't see]. They don’t usually cover physical damage. Most extended warranties have large gray areas, leaving the warranty provider a lot of room to reject claims.

Tip #3 — Monitors:Don’t throw away your monitor if it’s still working properly. Instead, keep it and save a chunk of money by just replacing your old CPU [computer tower]. Monitors last much longer than CPUs and the technology is usually compatible between your old monitor and the new CPU. However, if you’re dissatisfied, then monitors, keyboards and mouses are the three tools to spend extra money on, since you use them every day!

Tip #4 — Networking: How are you connecting to the Internet? If you’re using a high speed Internet connection, such as cable broadband or DSL, you’ll want to make sure you have a network card built into your system. If you have a wireless network at home or at the office, save money and installation time by buying the wireless card built right into the computer.

Written by: Sharron Senter

Safe Shopping

Online fraud is an increasing problem that can be avoided. Every year more and more people shop online, and every year seems to bring more ways to trick unsuspecting buyers. This report was written to help protect you as a consumer.

Following the guidelines set in this report will protect you from most types of online fraud, and help you recover in the event that you are taken advantage of.

——————-
Before You Buy
——————-
Before you buy anything online, review the store’s refund policy. Make sure they will accept returns on defective or wrong items. Also, see how long the return period is, usually, it is 30 days.

Review the store’s privacy policy. You want to know that your information is being handled responsibly before giving it to anyone.

——————-
During Check Out
——————-
Plastic or plastic? During the checkout process you will be given a few payment options. Of these, you will probably see credit or charge cards. As you know, if someone accepts credit cards, they also accept debit cards. Debit cards are not the same when it comes to limiting your liability for fraudulent use. Debit cards are fine for most things, but not online purchasing.

Credit or charge cards are the ideal way to pay online. If you pay by credit or charge card online, your transaction is protected by the Fair Credit Billing Act. Under this law, you have the right to dispute charges under certain circumstances and temporarily withhold payment while the creditor is investigating the disputed charges. In the event of unauthorized use of your credit or charge card, you generally would only be held liable for $50 worth of the charges.

Some credit companies even offer an online shopping guarantee that ensures you will not be held responsible for any unauthorized charges made online, and some may provide additional warranty, return and/or purchase protection benefits.

Double check everything. Make sure your billing, contact, and email addresses are correct and yours. You don’t want your purchases delivered to someone else.

Always ensure that the checkout is being completed on a secure server. You can tell if a server is a secure server by the web address, it should begin with an https://. In addition, the bottom of your browser should contain a padlock image.

——————-
After the purchase
——————-
Always keep a record. You should receive a receipt or invoice after your payment. If you do not, politely request one from the vendor.

Be sure to save this receipt, you will need it as a proof of purchase if the item is defective and needs to be returned, or was never received.

——————-
Ongoing Precautions
——————-
You should regularly check your credit card and bank statements for any unauthorized payments. If you notice anything that you did not authorize, be sure to notify your credit card company or bank immediately.

Some malicious applications will rest on your computer, and send your private information to someone else. This is a common cause of identity theft. For this reasons, you should always run the latest version of your antivirus program with the most recently updated databases. You should also run spyware removal programs regularly.

——————-
Conclusion
——————-
Following the guidelines outlined in this report should lead to a satisfying online experience. The only identity theft victims are people that don’t know or follow safe shopping practices.

Written by: Jeff Mueller

searchdragon.info

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Masterfu123

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