tag:blogger.com,1999:blog-34815906949333107132011-11-27T15:58:13.553-08:00Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.comBlogger1571100tag:blogger.com,1999:blog-3481590694933310713.post-32468893499269845562011-06-12T06:19:00.000-07:002011-06-12T06:20:55.376-07:00

.Even if you get a great deal on a computer, you still need software to make it do anything. And that can get expensive. That’s where shareware comes in.Shareware is software you download and try for free. If you like it, you pay a fee to keep it. Freeware is similar to shareware, except there’s never a fee. Either way, you pay less than you would for packaged software from major vendors. You can

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-33773080828918728972010-04-04T02:39:00.001-07:002010-04-04T02:39:44.289-07:00

.If you do a lot of printing, you use a lot of ink and that costs a lot of money. But now there’s a way to control how much ink you use. By extending the life of each cartridge, you can save hundreds of dollars in ink costs over the life of your printer.Just buy InkSaver software. It works with all inkjet printers and all types of ink, including refill kits. You can adjust InkSaver for a maximum

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-48265164184321133632010-02-11T14:48:00.001-08:002010-02-11T14:48:43.850-08:00

.Save up to 80 percent on printer cartridges by shopping online. Many Web sites sell replacement cartridges, which work just as well as the brand names but at a fraction of the cost. Make sure you know your printer model so you can find a compatible cartridge.Check out the savings at sites like www.123inkjets.com, www.abcco.net, www.inksell.com, www.pacificink.com, and www.printpal.com. Compare

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-51670714350207853692010-02-10T15:04:00.001-08:002010-02-10T15:04:51.600-08:00

.Paper may come from trees, but printer cartridges sure don’t grow on them. Luckily, there’s a money-saving alternative to buying cartridge after expensive cartridge. Refill your cartridge – and your wallet – with an ink refill kit.The idea behind ink refill is simple. Instead of tossing your empty cartridge, you recycle it. Just refill it with some new ink, and it’s as good as new. You should be

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-5183069512561969002010-02-09T15:00:00.001-08:002010-02-09T15:00:48.800-08:00

.When is the cheapest printer not really the cheapest printer? More often than you think. Here are some of the hidden costs to watch out for when shopping for a printer. * Ink or toner. This is where the printer companies get you. They can sell the printer dirt cheap, but make their money back – and more – by charging a lot for this essential item. Consider these expenses when comparing printer

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-41284004472650216422010-02-08T15:03:00.001-08:002010-02-08T15:03:57.156-08:00

.There’s nothing better than getting money back after you buy something pricey, like a computer. Go to your favorite search engine, like Google, and enter the brand name of the computer you’re eyeing and the word “rebate”. You’ll get links to Web sites that offer rebate information you can print or download.All the best,Timben

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-32957491207575730152010-02-07T14:46:00.000-08:002010-02-07T14:47:20.476-08:00

.You’ve heard the expression “good as new.” Buy a refurbished computer, and you’ll get one that may be even better. Not only do you get a quality computer with as much power as you need, you can also save a lot of money.Refurbished computers come in all shapes and sizes. While the computer might have been returned because of slight defect, often it’s something much less serious. Maybe it had a

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-42521795320969560092010-02-06T18:44:00.001-08:002010-02-06T18:44:55.281-08:00

.Instead of buying a high-priced computer from one of the top brand names, consider clones. You can save lots of money without giving up quality. Think of clones or white box PCs, as generic versions of name-brand models. They’re basically the same, without the fancy label.Often, you can configure your own system, choosing from a wide selection of components. This is probably best for when you

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-76536542358357653452010-02-06T03:58:00.001-08:002010-02-06T03:58:31.248-08:00

.You wouldn’t buy the latest, greatest food processor to make a peanut butter and jelly sandwich. Similarly, you don’t need to buy a state-of-the-art computer if you’re only going to use it for basic functions, like word processing, surfing the Internet, and sending e-mail. Luckily, many stores or manufacturers let you configure your own system. It’s a good way to save money on some areas and

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-52266803771909599932010-02-02T15:19:00.001-08:002010-02-02T15:19:40.636-08:00

.You no longer need a computer to sell items on eBay. Now, a company called AuctionDrop will do it for you and even pack and ship it to the buyer. Call them toll-free at 866-376-7486 or fill out a form online at www.auctiondrop.com. Then drop off your item at one of the company’s 3,700 drop-off locations. AuctionDrop photographs your item, puts it on eBay, and ships it to the buyer. They tell you

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-70524020562013819632010-02-01T14:45:00.000-08:002010-02-01T14:46:12.726-08:00

.The Federal Trade Commission (FTC) hears lots of complaints about online auctions every year. Most involve sellers who fail to ship items, ship them late, or falsely advertise their wares, while some deal with fake electronic payment services and con men posing as legitimate dealers. You don’t have to be a victim. Follow this advice from the FTC.* Read the auction site’s Terms of Service

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-21075884242090559812010-01-31T14:57:00.001-08:002010-01-31T14:57:29.737-08:00

.Online auctions, like eBay, let you choose from a huge selection of items and, generally, pay less for them than you would anywhere else. Some people even make a living buying goods at Internet auctions and reselling them retail.Competition can be stiff, so be prepared to fight for what you want – at least until it costs more than you can spend. Try these bid-winning tips from eBay the Smart Way

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com2tag:blogger.com,1999:blog-3481590694933310713.post-31260830180075750982010-01-29T18:56:00.001-08:002010-01-29T18:56:53.636-08:00

.Internet auctions work a lot like regular auctions – Yahoo, eBay, Amazon.com and other virtual auction houses act as proxies between buyers and sellers, awarding goods to the highest bidders.* You can buy anything under the sun at mega auction sites, but don’t sell the small ones short. Large auction sites, like eBay, don’t guarantee and item’s authenticity, but some specialized Internet auction

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-42400680836406350632010-01-28T15:26:00.001-08:002010-01-28T15:26:23.262-08:00

.Not every flea market item is a steal, but savvy collectors know how to sniff out the best deals. This guide can help you walk away happy, too.* Arrive early for the largest selection. The best deals disappear early.* If you need a particular item, find how much it sells for in retail stores before you hit the flea market.* Inspect items carefully for chips, missing pieces, or tears before you

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-88035008881000306572010-01-27T15:06:00.000-08:002010-01-27T15:07:23.986-08:00

.Flea markets are like giant indoor yard sales with vendors hocking the usual toys, tools, and clothing. But they’re also treasure troves of art, antique furniture and jewelry, and other collectible wares.By shopping these bazaars, you can decorate like royalty – without spending a fortune. Make the most of flea market finds with this advice from Secrets to Affordable Antiques. * Look for

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-42601391776459978262010-01-26T15:00:00.000-08:002010-01-26T15:01:31.999-08:00

.Is that old penny really worth $100? Find out using free information about coin collecting. The United States Mint – the ultimate coin authority – offers free information for both, avid and amateur coin collectors on its Web sites, www.usmint.gov. Click on Consumer Awareness for valuable tips on how to tell real collectibles U.S. coins from fakes. Or click on About Us and go to the Collector’s

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-70286401208996584482010-01-25T15:01:00.001-08:002010-01-25T15:01:23.304-08:00

.Dry cleaning can give your clothes a longer life. They won’t shrink or bleed as much when they’re dry-cleaned, and dry cleaning can get rid of oily stains that don’t come out in the wash. Also, have your clothes dry-cleaned of you think they might lose their shape or their colors in the washing machine. Not all clothes with the “Dry Clean Only” care label have to be dry-cleaned. You can wash

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-37938958824872376182010-01-24T15:23:00.000-08:002010-01-24T15:24:19.620-08:00

.Chances are a small change to an out-of-style outfit hanging in your closet could make it fashionable again. If you’re handy with needle and thread, you can update your wardrobe with a few minor alterations. In fact, even paying for an alteration can be cheaper than buying new clothes. Think about putting in or removing shoulder pads or changing buttons and other trim. Something as simple as

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-43724179107002742052010-01-21T15:02:00.001-08:002010-01-21T15:02:25.137-08:00

.Quality clothes look better, fit better, and last longer. Buying cheap clothes and replacing them when they fall apart can be expensive. Spending a little more money on clothes you can wear again and again will save you money in the long run.Shop for clothes that are well-made. When you see a pierce you like, inspect it for quality workmanship before you buy it. There are lots of clues that tell

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-40540038939024579052010-01-20T15:11:00.000-08:002010-01-20T15:14:09.519-08:00

.You need new shoes. Don’t worry. There are good deals all over the place. You just have to find them. Follow the sales and make use of coupons, and you’ll never have to pay full price again.Always look for quality before you look at the price. Quality shoes may cost a little more, but they’ll last longer, which means you won’t have to keep buying new shoes. When your shoes wear out, have them

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-44578993141157708502010-01-19T14:58:00.001-08:002010-01-19T14:58:48.816-08:00

.You can stay on budget by avoiding impulse buying. Studies have shown that impulse buys make up 27 to 62 percent of all purchases made in department stores.Save money by making a list and only buying what’s on the list. If you see something else you like, wait until you get home and add it to the list for next time so you’ll have time to think before you buy the item.If you don’t have a list but

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-83819338568218689242010-01-18T15:09:00.000-08:002010-01-18T15:10:22.819-08:00

.Schedule your big shopping trips so they coincide with big sales. Wait until mid-summer to buy warm weather clothes and bathing suits Fourth of July sales. If you’re really patient, get your beachwear at the Labor Day sales in September when it’s on clearance. The same goes for winter clothing. Retail stores stock up on winter clothes before Christmas and then mark them down by 50 percent

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-56196145814318492752010-01-17T15:07:00.001-08:002010-01-17T15:07:23.524-08:00

.You can save a lot of money with department store credit cards if you use them wisely. Department stores give you additional discounts on purchase when you use their store credit card. Some stores also invite you to private sales where the store is only open to employees and cardholders for a short time. Just remember to pay off your balance every month, and never use the card to buy anything

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-45893616772344412972010-01-15T16:19:00.001-08:002010-01-15T16:19:45.851-08:00

.Price tags aren’t set in stone. It takes a little courage, but you can bring down the price of secondhand clothes just by haggling a little with the salesperson. They’re more flexible than you’d expect. You may need to get over any fears of seeming pushy or cheap, buy once you get going, you’ll save money left and right. Here are a few tips to remember:* Ask for a discount if there’s a flaw,

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-47383921973229952862010-01-14T14:50:00.001-08:002010-01-14T14:50:31.387-08:00

.Look through a favorite catalog and rip out the page of any item you’re interested in. After that, pull out the order form and throw away the rest of the catalog. Wait a day or maybe even a week, then look over your torn out pages again. If you still want an item, you’ll know this isn’t an impulse purchase, and you can spend the money in good conscience. In addition, since you’re only looking at

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-13881634623801636922010-01-13T14:55:00.000-08:002010-01-13T14:56:00.092-08:00

.Outlet malls may seem like bargain heaven at first, but keep an eye for full-priced merchandise in disguise. Some outlet stores sell their products at full price. Find out how much the clothes would cost at a retail store before you buy them so you know exactly how much you’re saving.Another trick to look for is “cut-ups.” Rather than selling discounted retail clothing, the outlet sells last

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-75533482051847583652010-01-12T14:47:00.001-08:002010-01-12T14:47:23.132-08:00

.At consignment shops, you can buy classy clothes at below wholesale prices. Consignment shops sell higher quality clothing than thrift stores, carry a greater selection than garage sales, and offer deep discounts over retail. They’re even better than outlet stores, especially for specialty items like formal wear and business suits. At consignment prices, you can save a bundle and look great

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-88344004521073762802010-01-11T14:48:00.001-08:002010-01-11T14:48:35.447-08:00

.A thrift store is a great place to go for rock-bottom prices on clothes and accessories. Thrift stores are nonprofit organizations that offer previously owned items at bargain prices. They get their inventory through private donations, as well as manufacturers and retail stores.The Salvation Army and Goodwill are both popular thrift stores, though there are others, like TVI/Value Village and

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-32930925740502109902010-01-10T15:03:00.001-08:002010-01-10T15:03:40.354-08:00

.Save as much as 80 percent, no matter where you shop. Get great quality, as well as low, low prices when you visit DealHunting.com. This incredible Web site offers bargains from hundreds of well-known stores in over 30 categories. After you select a store or a category, you’re immediately taken to a list of items on sale. Sometimes you’re given a coupon code to enter. At other times, the site

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-55345251295640673792010-01-09T20:00:00.000-08:002010-01-09T20:02:20.281-08:00

.Many of your favorite china makers offer special deals and discounts directly from their Web sites. You could save anywhere from 15 to 74 percent on select patterns and pieces, all while shopping from home.So skip the middleman. Just type the name of a china manufacturer, like Mikasa, into the address line of your Web browser, then check their home page for mentions of clearance items or special

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-90161774370549344422010-01-07T15:00:00.001-08:002010-01-07T15:00:24.541-08:00

.If you are an outlet store warrior, you’ll love www.outletbound.com. This Web site lets you search for outlet stores and centers across the nation by brand name, category, or location.You can even sign up for a “shop Like a Pro” VIP voucher worth hundreds of dollars at participating outlet centers. Just fill out a short questionnaire online to receive your voucher. You will have to give Outlet

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-82711378512123113412010-01-06T15:02:00.001-08:002010-01-06T15:02:38.472-08:00

.Think you can’t find fine China at outlet stores? Think again. Mikasa, Lenox, Noritake, Fitz&Floyd, and Royal Doulton are just a few famous brand names with outlet stores around the country.You can save anywhere from 10 to 80 percent off retail by shopping at these factory outlets. What’s more, you can buy a lot more than China at an outlet center. Make the most of your trip by:* Checking every

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-59445671836083832012010-01-05T15:01:00.001-08:002010-01-05T15:01:42.318-08:00

.Avid readers have always enjoyed browsing bookstores and libraries for good books. Now it’s time to browse digital libraries on the Internet. Think of them as huge libraries with an infinite variety of books. The best ones don’t charge subscription fees or accept advertising.Try visiting some of the old standby sites like Bartleby.com at www.bartleby.com, Project Gutenberg at www.gutenberg.org,

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-66035148272446562282010-01-04T15:28:00.000-08:002010-01-04T15:29:16.517-08:00

.Finding a rare book is what book lovers dream about. But shopping without a guide can end up costing you a fortune. Save a bundle on first editions and rare, signed, or out-of-print volumes by shopping with a trained eye. Several valuable guides can give you just the help you need.* Official Price Guide to Collecting Books by Marie Tedford and Pat Goudey.* Book Finds: How to Find, Buy, and Sell

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-63561275501246113812010-01-03T18:00:00.000-08:002010-01-03T18:01:05.228-08:00

.The Internet is the place to go for any book you could possibly want. Take advantage of the Web’s exciting book-finding technology. You’ll find retail and discount prices on new, used, rare, and out-of-print books – even scratch and dents. Here are a few sites to get you started.* Abebooks.com at www.abebooks.com * AddALL at www.addall.com * AllBooks4Less.com at www.allbooks4less.com * Amazon at

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-65255522317186383622010-01-02T15:11:00.000-08:002010-01-02T15:12:00.984-08:00

.You love books. You’re are an avid book buyer, and you like giving them as gifts. Yet, serious book buying can be expensive. A number of bookstores and their online counterparts offer membership clubs as a way for you to enjoy extra savings. Yes – you’ll have to buy the discount card, but devoted book buyers may find the savings offset the membership price.* Barnes & Noble’s $25 annual

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-56478742949271424742010-01-02T07:24:00.000-08:002010-01-02T07:25:24.182-08:00

.Book clubs are like getting books by subscription. You just agree to purchase a few books during the membership period. If you want the selected title or an alternative selection, it’ll be sent to your door at your request.If you’re regular book buyer, clubs can be a convenient option to going to bookstores, and they may offer savings to boot.Among the best known clubs are Book of the Month Club

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-3385238227257159702009-12-31T15:08:00.000-08:002009-12-31T15:09:34.190-08:00

.Involuntary unemployment insurance is similar to credit disability insurance. It covers the minimum amount of your credit account payments for six to 12 months after you lose your job. Coverage usually costs 70 cents for every $100 on the credit balance. But the policy only covers the minimum payment due, so interest adds up. You will probably wind up owing more money than you did when you had a

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-29026673180651534792009-12-30T20:12:00.000-08:002009-12-30T20:17:43.241-08:00

.Insurance is for people, not for loans. Just say “no” to anyone who offers you Credit Disability Insurance.An individual Credit Disability Insurance policy covers your monthly loan payment if you ever become disable and can’t make the payment yourself. Typically, the policy pays the minimum amount due up to 36 months.With costs near $21 for every $1,000 of coverage, these policies are not worth

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-31790657609032662222009-12-29T09:54:00.000-08:002009-12-29T09:55:31.692-08:00

.Refinancing isn’t just for homeowners anymore. You might never have thought about it, but refinancing your auto loan could slash your monthly payment.You should consider refinancing if interest rates have gone down since you bought the car. It’s also a smart option if your credit rating has gone up because you’ll be eligible for a lower rate.Applying online can get you through the process in

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-59301659864272613342009-12-28T14:50:00.000-08:002009-12-28T14:51:23.869-08:00

.Once out of every three people buying a house today will borrow money with an adjustable-rate mortgage (ARM). Interest rates for an ARM are usually lower than fixed-rate mortgages – at first. But there is no guarantee market rates won’t rise suddenly, and your mortgage payment will rise with them.If the economy shows signs of inflation, go ahead and convert that ARM to a fixed rate before your

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-78740973157407202622009-12-27T14:30:00.000-08:002009-12-27T14:31:13.172-08:00

.Refinancing your mortgage can cut your interest charges, but what about cutting the cost of refinancing? If you’ve refinanced once or twice before, you can knock at least $400 off the closing costs using what is called, “streamlined refinancing.”Streamlined refinancing means you skip some of the steps you had to take last time you refinanced. If it’s been two years or less since you refinanced,

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-43930655013732465312009-12-26T15:42:00.000-08:002009-12-26T15:43:22.450-08:00

.Refinancing your home can save you thousands, but only if the time is right. Before you decide to refinance, ask yourself a few questions:* How much will I save each month?* How much will it cost to refinance, and will I live here long enough to make it worthwhile?* Will the new term be the same or shorter than the term is now?Experts say if you can drop your interest rate by at least one

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-91488992259848301122009-12-25T16:57:00.000-08:002009-12-25T16:58:13.726-08:00

.Another way to pay less interest is to split your monthly mortgage payment in half, and pay that amount every two weeks. By making biweekly payments instead of monthly payments, you’ll make an extra mortgage payment by the end of the year.For example, if your monthly payment is $2,000, and you pay that amount 12 times a year, that’s $24,000. On the hand, if you pay $1,000 every two weeks, or 26

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-18182819203733858452009-12-25T07:25:00.000-08:002009-12-25T07:26:45.205-08:00

.Make an extra monthly payment on your mortgage every year, and you’ll save thousands of dollars in interest. Just add a little to you check each month. Over the course of the year, it will add up to an entire extra payment.For example, suppose you have 25 years left on a fixed-rate 30-year mortgage of $200,000 at 7-percent interest. If you add just $150 to your $1,300 monthly payment, you’ll

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-60690054700162128012009-12-23T17:13:00.000-08:002009-12-23T17:14:35.372-08:00

.You can get an easy discount by having your loan payments automatically deducted from your checking or savings account. Most lenders will lower your APR by 0.25 percent or 0.50 percent just for making automatic payments.Lenders like automatic deductions because it gives them less paperwork to do. At the same time, it’s good for borrowers in a couple of ways. Not only do you get the lower APR,

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-86285257118414568672009-12-22T17:45:00.000-08:002009-12-22T17:46:21.501-08:00

.Save tens of thousands of dollars by choosing a 15-year mortgage instead of a 30-year term. Your monthly payment will be higher, but cutting the time of the loan in half cuts off years of interest charges. Plus, interest rates are lower most of the time for loans with shorter terms.Say your annual percentage rate is 7 percent, and you choose a 15-year fixed-rate mortgage over a 30-year mortgage.

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-6831195241511802472009-12-21T18:02:00.000-08:002009-12-21T18:03:43.999-08:00

.You can use a home equity line of credit (HELOC) to actually buy a home. A HELOC is an adjustable-rate loan that works as a credit line rather than a mortgage. Usually, you get a HELOC with the equity you build up on a home. Now you can make a down payment on your home and use a HELOC to pay for the rest. The interest rates for HELOCs are around 4 percent, which can save you a lot of money in

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-89583556313082596892009-12-20T20:27:00.000-08:002009-12-21T18:02:33.197-08:00

.You already know you can save money by shopping around for the best mortgage rates. Now you just have to make sense of all the numbers you found. Put those figures into an online calculator to organize your information. You can find calculator programs at Web sites especially designed to help you compare loans.LendingTree.com is a great place to start. You can submit an application and get rates

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-87982778229526729672009-10-18T17:33:00.004-07:002009-12-19T20:32:02.518-08:00

. Nothing is written in stone when it comes to the cost of a mortgage. With some research in hand, you can use your negotiating skills to bring down lender’s rates, points, or even fees. The key is to arm yourself with information. Check the newspaper for current mortgage rates and points. Look online at Web sites like HSH Associates at www.hsh.com and LendingTree.com to compare rates from

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-41731138748686162362009-10-18T17:33:00.003-07:002009-12-18T17:42:51.310-08:00

. A mortgage broker can be a big help when you need a loan but don’t know where to start. These experts can look through loan offers and find the one that’s best for you. According to the National Association of Mortgage Brokers, more than two thirds of homebuyers choose to get a mortgage through a broker. They save you time, and depending on their fees, can save you money. Broker fees usually

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-26787078297515264162009-10-18T17:33:00.001-07:002009-12-17T21:08:56.612-08:00

. Need money for home improvements? Got a kid in college who needs tuition? Maybe you need start-up cash for a new business. You may want to consider a home equity line of credit (HELOC). Although you borrow money against the equity in your house, it works like a credit account. Rather than take out one lump sum, you have access to the money as you need it. You don’t pay interest until you

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-12910455989281532842009-10-17T19:38:00.003-07:002009-12-16T15:58:00.481-08:00

.Simplify your life by simplifying your loans. If you have several loans, you may be able to consolidate them at a low rate, saving thousands of dollars in interest.Student loans in particular are easy to lump into one consolidation loan. If you have a child or grandchild who is graduating, he probably has more than one loan, each with its own interest rate. By combining all the loans, he can

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-11549388104174963032009-10-17T19:38:00.001-07:002009-12-15T15:57:21.209-08:00

.You may get a lower interest rate on your credit card just by asking. If you’re a long-standing customer with good credit score, try bargaining with you current credit card company. You might be successful at getting a better rate.You’ll have even more bargaining power if you get another credit card offer with lower rate. If it’s a genuinely good deal, use it to persuade your current card issuer

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-82706665221133264592009-10-17T19:37:00.002-07:002009-12-14T15:39:58.994-08:00

.The latest credit card scams may seem so genuine that you may not know you’ve been shammed until too late. Learn what you need to know to stop a scammer cold.You may get a call from a con artist claiming to be the credit card issuer, your bank, or the police. The scammer may say your card has suspicious activity. He may even ask you specific questions about a purchase you never made and promise

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-43679330467387008272009-10-17T19:37:00.001-07:002009-12-13T15:57:15.096-08:00

.For most of us, credit life insurance is just plain bad policy. Credit life insurance may claim to pay off your credit card debt if you die, or cover your payments if you become disabled of unemployed. But this insurance is notorious for overpricing, so consider buying term life insurance or expanding your life insurance coverage instead.However, if you can’t qualify for regular life insurance

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-28449441360179787992009-10-17T19:36:00.003-07:002009-12-12T20:16:01.652-08:00

.Even if you’re offered credit card loss insurance for just $7 a month, don’t take the bait. This insurance promises to pay the charges if someone steals your card and runs up a bill. But federal law would prevent you from paying more that $50 of the stolen charges anyway. If you buy credit card loss protection, you’ll spend $84 per year. Don’t waste your money.All the best,Timben

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-10899569015797433272009-10-17T19:36:00.001-07:002009-12-11T16:34:10.867-08:00

.Identity theft insurance doesn’t necessarily cover the charges a thief runs up on your credit card or money stripped from your accounts. Instead, you may pay up to $180 per year just for the cost of repairing your credit after the theft. You’re better off skipping this insurance and checking your credit report regularly instead.All the best,Timben

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-89798791098162614762009-10-15T16:37:00.003-07:002009-12-10T15:36:29.981-08:00

. That credit card upgrade from your mailbox may sound like a new and different card – and it could be one you don’t want. According to The Wall Street Journal, changes in your credit contract terms can be legally be called upgrades, even if they mean higher costs for you. For example, upgrades to rewards cards may carry a higher annual fee. If you get a card upgrade, read the fine print

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-23440217165398263392009-10-15T16:37:00.001-07:002009-12-09T16:30:19.623-08:00

. Credit card companies try all sorts of legal tricks to get your money. Fight back each month by scouring your credit card statement for surprise like these: * Check the due date for your next payment. Card-holders have been blindsided by late fees and other charges because they didn’t notice the changed – and earlier – date. * Monitor the interest rate. Even a fixed-rate card can change its

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-82121900362774933602009-10-15T16:36:00.003-07:002009-12-08T15:39:42.316-08:00

. A credit card that delivers rewards can be a good deal. Just make sure you study the fine print in the offer or card agreement, and decide if the benefit is worth it. Web sites like these can help: * www.creditcards.com * www.e-wizdom.com * www.creditcardscenter.com According to the Wall Street Journal, cash reward cards give back around 1 percent. That means you have to charge a lot to earn

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-84528769753350053652009-10-15T16:36:00.001-07:002009-12-07T15:35:31.180-08:00

. Get help finding a credit card that will save you money by using a free tool on the Web. Visit www.cardweb.com for a credit glossary, news about the credit card industry, useful articles, and a page that helps you find better credit card rates. On the Web site, click on the Find a Card link. Either chooses the type of card you want – such as low rate, rewards, or no annual fee – or fill out a

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-64498189073515687262009-10-15T16:35:00.000-07:002009-12-06T15:34:01.607-08:00

. Budgeting your money so you don’t depend on credit cards is the responsible way to live. But when you do use credit cards, a wise strategy can help you build or restore a good credit score. Keep a good credit rating with these tips: * Avoid frequently opening new credit card accounts. * Open a new account only when essential, and be sure to read all the fine print before you do – especially

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-55881485825364349242009-10-13T23:36:00.001-07:002009-12-05T15:27:16.619-08:00

. Belinda has five credit cards. Two are idle, so she decides to cancel one. But before she does, she checks whether cutting a card might cut her credit score as well. Belinda’s current total balance is $1,500, and her total credit limit is $12,000. She is currently using a 12.5 percent (1500/12000) of her available credit, which is well below the 12-percent recommended limit. But that number

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-33783801915399956842009-10-13T23:35:00.000-07:002009-12-04T18:32:48.018-08:00

. Closing several credit card accounts won’t improve your credit score and could bring it down. Here’s why. One factor credit scoring considers is how much of your total credit you use. To calculate that, credit scorers divide the total balance on your credit cards by the total credit limit available on those accounts. The results is a fraction – the lower, the better, Canceling cards can raise

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-69368887923270031462009-10-13T23:34:00.000-07:002009-12-03T15:13:59.615-08:00

. Opening a new zero-interest card account every few months may seem like a money-saving idea, but it could sink your credit score. A number of factors go into calculating your credit score. How often you’ve applied for credit recently is one of them, and so is the percentage of available credit you’ve used. Each new card may knock your credit score down a little more. However, if you have a

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-8698477482661977602009-10-06T17:14:00.002-07:002009-12-01T15:15:40.945-08:00

. “You’re pre-approved for thousands with our platinum card,” proclaims that tantalizing offer from you mailbox. But that offer can pile up interest charges, build debt, and raise your risk of identity theft. Don’t be tempted, especially if you’re debt prone. Instead, help yourself save money by opting out. Opting out means you ask the credit card bureaus to strip your name from their marketing

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-89972790322317858102009-10-06T17:14:00.001-07:002009-11-30T15:15:34.839-08:00

. You might save thousands of dollars in interest just by controlling credit card debt. Get started with these nine ways to erase your credit card debt fast. * Find out how much total credit card debt you owe. Then figure out how long it will take to pay it all off – with the interest charges included. * Transfer your high-interest-rate balances to one card with a low interest rate. Or pay off

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-71397751440198553502009-10-06T17:13:00.000-07:002009-11-29T15:08:05.103-08:00

. Checking your credit report at least once a year can pay off – especially if you catch mistakes that affect your credit rating. And now you won’t have to pay for the report itself, thanks to a change in the Fair Credit Reporting Act. After Sept. 1, 2005, you can get a free credit report every year from each of the three major credit bureaus. Even if the program is not yet available in your

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-47836986619849069502009-10-05T19:52:00.001-07:002009-11-28T22:46:34.258-08:00

. A credit score is a number between 300 and 850 that serves as a snapshot of your credit report at any given time. A low credit score could cost you up to $240 extra per month on a $100,000 mortgage, according to one estimate. That’s more than $2,800 per year – even with rock-bottom interest rates. Improving a low score can benefit you because a variety of people use it to help make decisions.

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-26250169644655549882009-10-05T19:50:00.002-07:002009-11-28T22:46:34.262-08:00

. Imagine having the money-managing power of Intuit’s Quicken or Microsoft Money without paying for the software. You might – if you ask about free online services available from your bank or broker. Compare the features of financial software with online services to see if online tools offer everything you need. For example, if you plan to spend hours tracking every penny for budgeting, Quicken

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-82921499651201079702009-10-05T19:50:00.001-07:002009-11-26T18:59:09.528-08:00

. Online bill paying could be a clever way to save – especially if you can do it for free. While the cost of mailing bills may not seem like much, it adds up quickly. And if you’ve ever had bills buried under paperwork or get delayed in the mail, you know how expensive late fees can be. But online bill paying allows you to pre-arrange payments each month – perhaps up to a year in advance for

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-41929246347514853632009-10-05T19:49:00.000-07:002009-11-25T15:13:06.751-08:00

. You may get a much better price on checks if you buy from a third-party check seller. Order a catalog or visit Web sites of vendors like these. * www.walmartchecks.com * www.checksunlimited.com or 800-204-2244 for a catalog. * www.checkworks.com * www.4checks.com * www.checksinthemail.com or 866-639-2432 for a catalog. * www.deluxe-check-order.com Compare the prices these sellers charge with

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-38554994036091858192009-10-05T19:48:00.000-07:002009-11-24T15:53:53.104-08:00

. A bounced check can trigger multiple penalty fees from your bank as well as additional fees from the business receiving the rubber check. The best way to avoid such fees is to manage your account so you don’t overdraw any checks. But if you think you need overdraft protection, your bank may allow you to cushion checks with money from your savings account, credit card, or a line of credit.

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-71635031511747102992009-10-03T18:02:00.001-07:002009-11-23T15:06:47.259-08:00

.Banks may surprise you with discounted or free checking if you agree to “direct deposit” service. Under direct deposit, your employer deposits your paycheck directly into your bank account instead of giving it to you first. That means, you won’t have to visit the bank to deposit a check – and your paycheck can’t get lost or stolen.Ask your employer if direct deposit is available. Then ask your

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-42968136887752433952009-10-03T18:01:00.002-07:002009-11-22T15:20:42.993-08:00

.Don’t get nickel and dimed to death by automated teller machine (ATM) fees. Use these tips to help avoid them.* Use your own bank’s ATMs whenever possible.* Find out if your bank belongs to a selective surcharge network. If so, you can use an ATM from any bank in the network without being charged for a fee.* Ask for cash back when you use your debit card for a purchase.* If you’re shopping for a

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-43013418639755502492009-10-03T18:01:00.001-07:002009-11-20T18:25:17.524-08:00

.You could save 26 percent on groceries and get rock-bottom deals on many other items at warehouse clubs, such as Costco, Sam’s Club, and BJ’s. These stores keep their costs low by selling in bulk, running a no-frills store, hiring less staff, and not advertising as heavily as their competitors. They pass the savings along to you. Often, they sell appliances, office supplies, even electronics in

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-31222164242970790832009-10-02T18:50:00.001-07:002009-11-19T15:12:32.773-08:00

.Giant specialty retailers, like Babies “R” Us, Toys “R” Us, even PetSmart and others, are neither discount stores not outlets. They are large, specialized department stores. In general, they don’t offer cut-rate merchandise. Instead, they offer a better variety than you’ll find at most other stores, but with bare-bones service. It’s a trade-off – more choices, less service, and few discounts.All

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-11120990364001451792009-10-02T18:49:00.002-07:002009-11-18T15:09:56.867-08:00

.Classified ads, thrift stores, and yard sales can be the best places to pick up inexpensive baby gear and furniture. But for safety’s sake, make sure the items passes these tests before you take it home:* Is the construction still sound? Check for broken pieces, loose joints, and splinters.* Do all the parts work properly? You don’t want a stroller to collapse with your child in it, or the car

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-8038088411835808042009-10-02T18:49:00.001-07:002009-11-17T15:01:51.979-08:00

.* Make a list of things you need to buy over the next several months, then stick to it. Items you don’t really need will just clutter your house.* Start early or go late. You’ll find the best variety first thing in the morning, especially in furniture and appliances, but you’ll snag the best deals at the end of the day when weary sellers are ready to bargain.* Look for lifetime guarantees. No

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-27329026211848111462009-10-02T09:59:00.002-07:002009-11-16T15:06:48.765-08:00

.From clothes to a playpen, you can get virtually everything you need for free or darn close to it. * Stop by garage sales. You could snag fantastic deals, especially if you offer to take an entire bag or box of baby things off their hands. * Create a network of people who know your needs. A quick phone call or e-mail is a great opportunity to let friends, neighbors, and family members know you’

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-39826299381756728382009-10-02T09:59:00.001-07:002009-11-15T14:58:14.177-08:00

.Pocket an extra $100 a month or more with money-saving auto insurance discounts, available from most insurance companies that could save you a bundle:* Good driving record* Mature Driver* Longtime Customer* Defensive driving course* Carpooler or low-mileage driver* Anti-theft device or car satellite recovery system* Safety measures, like air bags and anti-lock brakes* Nonsmoker* Good studentAll

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-49677752971186533062009-10-02T09:58:00.003-07:002009-11-13T17:36:44.008-08:00

.There are even more ways to save money on auto insurance for the determined car owner. Driving less frequently or car-pooling could earn you a discount, especially if you drive fewer then 5,000 or 6,000 miles a year. Parking your car in an enclosed garage instead of parking on the street could also get you a discount. Some companies even give discounts for being a police officer, a teacher, or a

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-27244951686908231772009-10-02T09:58:00.001-07:002009-11-12T15:00:52.176-08:00

.GAP insurance keeps you from paying for a car you no longer have. This Guaranteed Auto Protection insurance pays the amount you’ll owe if your car gets totaled and you’re left with a loan that is more than the total worth of your car.So if you owe $20,000 for a car the insurance company says was only worth $16,000 when it was totaled, GAP insurance will cover the remaining $4,000. At prices from

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-79048038239933464122009-09-29T08:34:00.001-07:002009-11-11T15:09:14.055-08:00

. Many great things come in pairs – peanut butter and jelly, Astaire and Rogers, auto and home insurance. Getting your auto insurance and your home insurance from the same carrier could earn you a big discount. You’ll typically save 10 to 15 percent off your premiums. All the best, Timben

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-39173419750108474252009-09-29T08:33:00.002-07:002009-11-10T15:04:46.444-08:00

. Rather than finance your insurance payment into six monthly installments, pay your 6-month premium all at once. When you choose the extended plan and divide up your payments, the insurance company adds what they call an “installment payment service fee.” It’s a small fee they add to your payment each month for their processing expenses, but you don’t get more coverage. Pay in full twice a year

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-29932348867933069732009-09-29T08:33:00.001-07:002009-11-09T15:03:33.642-08:00

. The American Automobile Association (AAA) is an organization well-known for offering dependable roadside assistance, but why pay for an extra service when your own auto insurance offers it? Most insurance companies offer roadside assistance programs for as little as $12 a year. That small fee usually entitles you to jump starts, lockouts, tire changes, towing, gas, and a toll-free phone number

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-57411489674587257762009-09-27T08:15:00.002-07:002009-11-08T15:06:11.815-08:00

. You can save money by buying just the insurance coverage you need. Try raising your deductible for comprehensive and collision coverage. You can cut 15 to 20 percent off your insurance rate by increasing your deductible from $250 to $500 or $1,000. You may be able to stop paying for comprehensive coverage altogether. If your car is paid off, switch to just liability insurance, and you could

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-90204031909516941742009-09-27T08:15:00.001-07:002009-11-08T01:50:41.231-08:00

. The best way to find the lowest price on car insurance is to do your homework. Shop around before you sign up with any auto insurance carrier, and you’ll be sure to save money. Rates vary from one carrier to another, so call each company to find out what they charge and give them the same details. Tell them how much coverage you’re looking for, the amount of deductible you want, how frequently

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-82028778618854421852009-09-27T08:14:00.002-07:002009-11-08T01:50:41.234-08:00

. The easiest way to keep your auto insurance down is to have a perfect driving record, but for drivers with less-than-perfect histories, there are still ways to make the best of the situation. If there is a flaw or two on your record, contact your local Department of Motor Vehicles to find out exactly how many points you have and when they expire. It may not be long before some of those points

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-68389709861488065092009-09-27T08:14:00.001-07:002009-11-05T14:59:51.817-08:00

. Checking your credit report for errors at least once a year can do wonders for your insurance premiums. If your credit report has mistake – and mistakes do happen – dispute the error. You credit score affects your insurance score, which then affects your insurance rates. Correcting mistakes in your credit report could bring down your insurance rates. Generally, an insurance score above 760 is

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-17509138474032639982009-09-27T08:13:00.003-07:002009-11-04T15:00:58.931-08:00

. Owning a car is expensive. Once you do the math, your total cost of gas, insurance, and maintenance, plus your monthly car payment, could be $600 to $700 a month. That’s okay if you use your car a lot, but what if you use it less than an hour a day, and two or three hours on the weekend? Then you may be spending more than you need. Instead, check into joining a car-sharing program, like

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-86749720468314811082009-09-27T08:13:00.001-07:002009-11-03T15:35:24.841-08:00

. Don’t pay for insurance twice. Check with your credit card company first to see what kind of insurance coverage they offer when you’re renting a car. Dinner’s Club is the only card that offers primary coverage in the United States, but American Express, Visa, and MasterCard – at gold level or higher – typically provide secondary collision damage coverage. Pass on the collision damage waiver

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-12552128653171455962009-09-25T08:24:00.001-07:002009-11-02T14:52:57.578-08:00

. You may want to think twice when the car rental company offers you a free upgrade. When you upgrade from a four-cylinder compact to a six-cylinder intermediate, you spend more money on gas. Four-cylinder cars give you more miles per gallon than six-cylinder cars. Your extra cost will depend on how many miles you rack up, whether you’re driving in the city or on the highway, and the price of

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-1676438634308059162009-09-25T08:23:00.004-07:002009-11-01T15:04:19.632-08:00

. You can receive a discount at most car rental companies if you’re a member of an organization, like AARP. In fact, some car rental companies give discounts for having a specific type of credit card. The important thing is to be assertive and ask. Most companies won’t automatically tell you about their discounts, so rattle of all the organizations you belong to and see if you qualify. Being a

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-19900325698740111972009-09-25T08:23:00.003-07:002009-10-31T19:08:55.140-07:00

. You can save at least 25 percent by making your reservation at an off-airport location, even if you rent from one of the major providers. Rental companies at airports usually charge “airport location fees” and security taxes, so it pays to take a cab or a shuttle to another location. Most of the time, you can return the car to an airport location without being charged extra. All the best,

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-16289002660388136382009-09-25T08:23:00.001-07:002009-10-30T21:39:44.175-07:00

. Booking a rental car online can save you money. In 2004, over 44 million Americans made some or all their travel reservations online. Of those people, 40 percent made rental car reservations over the Internet. If they can go online to save money, so can you. Compare prices and find the best deals by looking at the different rates available on these travel sites: * www.travelocity.com *

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-8658767188895775102009-09-24T08:28:00.001-07:002009-10-29T16:00:06.298-07:00

. Renting a car should be cheaper than buying one. Remember these tips the next time you rent, and you’ll be able to spend all that extra money on vacation souvenirs. * Book early. If you make the reservation for a rental car at least 7 to 14 days in advance, you are more likely to get a lower rate. Since rental car companies don’t charge cancellation fees, book a car as soon as you can. If you

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-56262306550675043482009-09-24T08:27:00.003-07:002009-10-28T16:23:03.628-07:00

. You can save more than $200 a year on fuel costs by following some simple rules: * Keep engine tuned. * Replace air filter regularly. * Use recommended grade of motor oil and gasoline. * Keep tires inflated to the recommended pressure. * Avoid jackrabbit starts or sudden stops. * Keep it under 60 on the highway. * Avoid buying gas at highway stations. * Shut the car off instead of idling.

Bizmindhttp://www.blogger.com/profile/01679779128707303846noreply@blogger.com0tag:blogger.com,1999:blog-3481590694933310713.post-20189354554077293622009-09-24T08:27:00.001-07:002009-10-27T16:27:07.476-07:00

. Develop a relationship with a good repair shop – one that knows your car – and you will be ahead of the game when it comes to maintenance. Learn which shops in your area have the best reputation. Good credentials are important for both shop and mechanic. A shop that’s affiliated with a reputable parts distribution and repair network (like NAPA) has an edge when it comes to getting quality

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