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Auto Repair

Grow Your Business With Visa Business Credit Cards

Grow Your Business With Visa Business Credit Cards

You finally have your own business. You invest both time and money in it. But does it end there? It shouldn’t. Your business will not grow on its own. It takes determination, a lot of hard work, and ready spending power to turn your business from good to great. If you’re running high on dreams but low on cash, the Visa business credit cards program is the solution to your money woes.

Benefits of Visa Business Credit Cards

Your company’s financial health can be supplemented with Visa business credit cards. Visa business credit cards can provide your company with immediate cash flow. The good thing about Visa business credit cards is that they come with other benefits, such as:

Visa Business Auto Rental Collision Damage Waiver

This benefit allows reimbursement for damage to rental vehicles due to theft or collision at no extra cost, as long as certain terms and conditions are met.

Travel and Emergency Assistance

Visa business credit cards provide help when you need it. Moreover, as a cardholder, you are just a phone call away from assistance. Should the need arise, Travel and Emergency Assistance will put you in touch with emergency services. There is no extra charge for cardholders. Immediate family members, colleagues, and employees may also take advantage of this service.

Purchase Security and Extended Protection

This benefit provides automatic protection to your retail purchases, at no additional charge. Purchase Security can replace, repair, or reimburse selected items charged to your Visa business credit cards at the provider’s discretion for up to 90 days, in the event of theft or damage. Extended Protection doubles the original warranty period of up to one full year.

Emergency Cash Disbursement and Card Replacement

If your Visa business credit cards are ever lost or stolen, assistance is just a phone call away. What’s more, cardholders can get emergency cash advance delivered 24/7, as well as card replacement.

Earn Points and Rewards

Visa business credit cards offer several rewards and rebates programs. Choose the card with the program that is most beneficial to you.

How Do Visa Business Credit Cards Help You?

Visa Business Credit Cards can help your business in a variety of ways. Visa provides you with tools for record-keeping and reporting, provides bills payment facilities for easier tracking, and helps you manage your money through a simplified accounting approach, with Visa Information Source Select. With the Visa Business Partner Advantage, you are entitled to discounts on certain products and services suitable for your business. Visa also gives you updates, conference and event information, and even online workshops to help your company succeed.

Providers

Visa teams up with reputable financial institutions to come up with the Visa business credit cards best suited to your needs.

Alaska Airlines Visa Business Card, for example, gives you control of your business expenses. You will also receive travel rewards from Alaska Airlines and its affiliates at the same time. There is a 0% introductory APR for purchases and balance transfers during the first 9 months. When that expires, rates on purchases and balance transfer range from only 6.99% to 9.99. Bonus miles are earned with every purchase and can be redeemed for travel on 11 airlines with over 700 destinations.

Offering the same rates and introductory APR is the Power Rewards Platinum Visa Business Card from the Bank of America. The Power Rewards Platinum Visa Business Card also offers a variety of other rewards, aside from travel. You can opt for gift certificates, brand-name merchandise, and even cash rewards.

The Chase Platinum Visa Business Card offers a 0% introductory APR for 12 months. After the 12-month introductory period, the Chase Platinum Visa Business Card offers a reasonable APR of 12.24%. Eligible purchases can earn you a 3% cash back reward. Other purchases entitle you to a cash back rate of 1%.

There are several other Visa business credit cards tailored to fit your needs. Visa is committed in helping you grow your business. So, if you are an entrepreneur and you choose Visa, be rest assured you made the right choice.

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Auto Repair

Self Motivation With Your Other-Than-Conscious Mind

Self Motivation With Your Other-Than-Conscious Mind

“It is as if evolution has built a safety device in our nervous system that allows us to experience full happiness only when we are living at 100% – when we are fully using the physical and mental equipment we have been given.” ~Mihaly Csikszentmihalyi

Physically, mentally, spiritually, financially, persuasively. . . are you functioning at 100% of your capacity? We’re born to learn, thrive, live and search for happiness, meaning and fulfillment, and yet many find these things to be out of reach. Why is it that some people struggle with their finances, their love relationships, their weight, and a general lack of motivation, while others seem to live up to their full potential with ease?

We’re living in accelerated times with technology advancing faster than we can keep up with it. As a result of all the external stimulation, I believe we have a disconnect with our other-than-conscious selves. Once we repair that disconnection, amazing, miraculous things can happen.

If we consider our subconscious mind a friend, and communicate with it directly, succinctly and, in a way, strictly, we can move mountains.

The gentle giant is a power capable of being harnessed to aid us in our pursuit of fulfillment. They’ve been with us since the minute we were born and since then, they’ve been learning by observing what it is we hear and do.

Everything that goes on around us is being filtered into this other-than-conscious.

As children we were conditioned whether that be through rewards, punishments, through school and experiences. Our other-than-conscious learned too–it learned to expect certain ways of being, creating metaphorical maps of what we could expect out of life based on this early conditioning.

Of its many roles, the subconscious is a powerful persuader–self-persuader–and when you understand this, you are naturally able to engage its help.

The main function of the other-than-conscious is to keep us alive. Another is to keep us doing exactly what we’ve always been doing. This is, at times, problematic, especially when you’re trying to make big changes in your life.

It’s possible that your other-than-conscious has been sabotaged by negative conditioning. It runs on a ‘I can’t do that’ program. This part of the brain is responsible for turning something into a habit by helping you know something on ‘auto pilot’ instead of having to ‘remember’ it. This works both positively and negatively for us.

As we reframe the power of our other-than-conscious as a partner instead of something we hardly ever consider or communicate with, it can really make an enormous difference in our lives.

So the big question is: how do we befriend this gentle giant? Well. . . how do you make any other friend? You gain rapport with them. It’s that easy.

I thought this was silly at first too. I thought, ‘Why do I have to make friends with a part of myself?’ Take that leap of faith and you’re going to find a huge difference in your life.

And this is how to do it: Give yourself a little pep talk. Ask for what you need help with. ‘Dear Gentle Giant. . . I’d love to double our income. I think we’re absolutely worth it.’ Or maybe, ‘Hi. I know we’ve had some rocky relationships and there has been a bad pattern created and now, I’d like to end that and have a great connection. What do you think? Let’s do it together.’

You could also ask for help with things you’re learning, as in, ‘Gentle giant, I would absolutely love to have my persuasion skills increase exponentially. You are really the one I can count on for help.’

Everything that you are, everything that you do, and everything that you have began with your intention to have it in one way or another is controlled by your other-than-conscious mind. All you have to do is tap into your persuasive power and your persuasion skills will naturally develop.

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Auto Repair

FTC Names Dirty Dozen Email Scams

FTC Names Dirty Dozen Email Scams

The Federal Trade Commission is responsible for issuing and enforcing rules for consumer issues on the Internet. As part of this process, the FTC has published a list of the 12 scams you are most likely to receive as email.

The Dirty Dozen Scams

The “dirty dozen” are:

1. Business opportunities

These business opportunities make it sound easy to start a business that will bring lots of income without much work or cash outlay. The solicitations trumpet unbelievable earnings claims $1,000 a day or more without doing any work. Many business opportunity solicitations claim to offer a way to make money in an Internet-related business. Short on details but long on promises, these messages usually offer a telephone number to call for more information. In many cases, you’ll be told to leave your name and telephone number so that a salesperson can call you back with the sales pitch.

The scam: Many of these are illegal pyramid schemes masquerading as legitimate opportunities to earn money.

2. Bulk email

Bulk email solicitations offer to sell you lists of email addresses, by the millions, to which you can send your own bulk solicitations. Some offer software that automates the sending of email messages to thousands or millions of recipients. Others offer the service of sending bulk email solicitations on your behalf. Some of these offers say, or imply, that you can make a lot of money using this marketing method.

The problem: Sending bulk email violates the terms of service of most Internet service providers. If you use one of the automated email programs, your ISP may shut you down. In addition, inserting a false return address into your solicitations, as some of the automated programs allow you to do, may land you in legal hot water with the owner of the address’s domain name. There are also very strict rules, known as the CAN-SPAM Act, regulating bulk email marketing.

3. Chain letters

You’re asked to send a small amount of money ($5 to $20) to each of four or five names on a list, replace one of the names on the list with your own, and then forward the revised message via bulk email. The letter may claim that the scheme is legal, that it’s been reviewed or approved by the government; or it may refer to sections of U.S. law that legitimize the scheme.

The scam: Chain letters are almost always illegal and nearly all of the people who participate lose their money. The fact that a “product” such as a report on how to make money fast may be changing hands in the transaction does not change the legality of these schemes.

4. Work-at-home schemes

Envelope-stuffing solicitations promise steady income for minimal labor-for example, you’ll earn $2 each time you fold a brochure and seal it in an envelope. Craft assembly work schemes often require an investment of hundreds of dollars in equipment or supplies, and many hours of your time producing goods for a company that has promised to buy them.

The scam: You’ll pay a small fee to get started in the envelope-stuffing business. Then, you’ll learn that the email sender never had real employment to offer. Instead, you’ll get instructions on how to send the same envelope-stuffing ad on your own. If you earn any money, it will be from others who fall for the scheme you’re perpetuating.

5. Health and diet scams

Pills that let you lose weight without exercising or changing your diet, herbal formulas that liquefy your fat cells so that they are absorbed by your body, and cures for impotence and hair loss are among the scams flooding email boxes.

The scam: These gimmicks don’t work. The fact is that successful weight loss requires a reduction in calories and an increase in physical activity. Beware of case histories from “cured” consumers claiming amazing results and testimonials from “famous” medical experts you’ve never heard of.

6. Effortless income

The trendiest get-rich-quick schemes offer unlimited profits exchanging money on world currency markets; newsletters describing a variety of easy-money opportunities; the perfect sales letter; and the secret to making $4,000 in one day.

The scam: If these systems worked, wouldn’t everyone be using them? The thought of easy money may be appealing, but success generally requires hard work.

7. Free goods

Some email messages offer valuable goods-for example, computers, other electronic items, and long-distance phone cards-for free. You’re asked to pay a fee to join a club, then told that to earn the offered goods, you have to bring in a certain number of participants. You’re paying for the right to earn income by recruiting other participants, but your payoff is in goods, not money.

The scam: Most of these messages are covering up pyramid schemes, operations that inevitably collapse. The payoff goes to the promoters and little or none to you.

8. Investment opportunities

Investment schemes promise outrageously high rates of return with no risk. Many are Ponzi schemes, in which early investors are paid off with money contributed by later investors. This makes the early investors believe that the system actually works, and encourages them to invest even more.

The scam: Ponzi schemes eventually collapse because there isn’t enough money coming in to continue simulating earnings. Other schemes are a good investment for the promoters, but no for participants.

9. Cable descrambler kits

For a small sum of money, you can buy a kit to assemble a cable descrambler that supposedly allows you to receive cable television transmissions without paying any subscription fee.

The scam: The device that you build probably won’t work. Most of the cable TV systems in the U.S. use technology that these devices can’t crack. What’s more, even if it worked, stealing service from a cable television company is illegal.

10. Guaranteed loans or credit, on easy terms

Some email messages offer home-equity loans that don’t require equity in your home. Usually, these are said to be offered by offshore banks. Sometimes they are combined with pyramid schemes, which offer you an opportunity to make money by attracting new participants to the scheme.

The scams: The home equity loans turn out to be useless lists of lenders who will turn you down. The promised credit cards never come through, and the pyramid schemes always collapse.

11. Credit repair

Credit repair scams offer to erase accurate negative information from your credit file so you can qualify for a credit card, auto loan, home mortgage, or a job.

The scam: The scam artists who promote these services can’t deliver. Only time, a deliberate effort, and a personal debt repayment plan will improve your credit. The companies that advertise credit repair services appeal to consumers with poor credit histories. Not only can’t they provide you with a clean credit record, but they also may be encouraging you to violate federal law. If you follow their advice by lying on a loan or credit application, misrepresenting your Social Security number, or getting an Employer Identification Number under false pretenses, you will be committing fraud.

12. Vacation prize promotions

Electronic certificates congratulating you on “winning” a fabulous vacation for a very attractive price are among the scams arriving in your email. Some say you have been “specially selected” for this opportunity.

The scam: Most unsolicited commercial email goes to thousands or millions of recipients at a time. Often, the cruise ship you’re booked on may look more like a tug boat. The hotel accommodations likely are shabby, and you may be required to pay more for an upgrade. Scheduling the vacation at the time you want it also may require an additional fee.

In Closing

Don’t check your common sense at the door simply because you are surfing the web. If it seems to good to be true, it is. Don’t fall victim to these scams.

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Auto Repair

How To Compare Low Cost Car Insurance In California

How To Compare Low Cost Car Insurance In California

Without a doubt the best way to find low cost car insurance in California is to compare prices. Although the process of contacting several agents to get quotes may seem a bit tedious and time consuming it can result in a substantial savings. The most important thing to note when you are ready to undertake this low rate finding mission is what coverage do you absolutely need and what coverage is optional.

If you drive an older vehicle you may want to purchase only the minimum amount of liability insurance required by law in the state. This amounts to $15,000 for the medical expenses of one injured person, $30,000 for the medical expenses of two or more injured people and then an additional $5,000 which would be used to cover the vehicle of the person you hit. Obviously this coverage isn’t going to be enough if you happen to hit a late model mini van and injure an entire family.

A better approach is to compare low cost insurance rates for a policy that provides enough coverage that should you cause a collision, you won’t be facing bankruptcy. If you have a newer car, you’ll also want to ask about collision and comprehensive coverage. These protect you in the event that your own vehicle is damaged and needs repair or replacement.

You’ll need to divulge any prior accidents you’ve been responsible for as well as how many speeding tickets you’ve accumulated while driving. The agents will also ask questions pertaining to your age, the average number of miles you travel each week or month as well as the type of car you want to insure.

Ask each agent you contact about the length of the policy they are quoting you on as well as what payment arrangements they prefer. This will help you to determine which company has the lowest rates per six month period or perhaps even per year.

Unfortunately for many people living in California, automobile insurance is one expense they simply can’t afford. For some of these people, the alternative to not driving at all is to drive without insurance. This is never advised and many people who fall into this category are actually eligible for coverage under California’s Low Cost Auto Insurance Program. The determining factors regarding who does and doesn’t qualify include the age of the car as well as the income of everyone residing within the home.

For people who aren’t eligible for this coverage they need to find suitable insurance that isn’t too expensive. Finding the best rates on automobile insurance in California primarily involves being prepared when you go shopping for quotes.

Even though insurance agents quote a price when asked, motorists should be aware that this is rarely the lowest price they can get. The reason is that most insurance companies offering automobile coverage in the state of California have discount programs in place. This means that if the driver qualifies for the discount, their quoted price will be reduced.

A few examples of possible discounts include:

• Low mileage discount.

• Air bag and anti-lock brakes discount.

• Safety discount which generally is offered when a vehicle either has a security system installed or is parked in a garage.

• Multi-policy discount. This is offered to individuals who choose one insurance company for more than one type of coverage. For instance, taking out policies for both health and automobile insurance from one insurer.

• Retirement discount. When an individual retires it tends to mean less time commuting each day. Many insurance companies offer a retirement discount. In addition, mature drivers can also enjoy a discount if they take a defensive driving course once they reach the age of retirement.

Asking several different insurance agents for quotes will likely yield different prices. This makes it easier for the driver to ensure they are getting the best coverage for their dollar, as they can choose the company they feel offers the best rates for the most coverage.

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Auto Repair

5 Perfect Christmas Gift Ideas For Him

5 Perfect Christmas Gift Ideas For Him

It’s holiday time again and what should you get for him? He has everything, so what else could there possibly be? Don’t give up yet because there are plenty of unique ideas for the man who’s difficult to shop for.

Gift Idea For Him #1: Naming a Star in His Honor

If the man in your life is also a star in your eyes, let him know with the perfect Christmas gift idea. There are many online novelty stores, which offer star naming kits. For a set price, you can have a star named after the man in your life. The complete kits come with a certificate, a map so that he can locate his special star and other information about star naming and astronomy. You can also select a date in which the star was officially named. Maybe it’s an Anniversary or Birthday. Perhaps, it’s in honor of Christmas. The star naming service will imprint any date that you choose on the certificate. Many of the stores offer custom framing, or you can find a frame at a local department store. If he’s into astronomy, of just to let him know that you think he’s a star, this is a great gift. In addition, it’s unlikely that most people would already have a star named after them so this would be very original.

Gift Idea For Him #2: A Watch

If you want to let him know that you love it timeless, buy him a watch. It’s practical, thoughtful and carries a wonderful meaning. Slip a note inside the watch box, which reads “Time flies when I’m with you.” Gold watches are nice and they don’t always have to be expensive. Shop around at some of the online stores and browse their huge selection of watches.

Gift Idea For Him #3: Tools

If the gentleman in your life is also the home’s handyman, consider a toolkit. There are some terrific kits, which contain hundreds of items, which are available and make wonderful Christmas gift ideas. When searching for the perfect toolkit, keep in mind what he likes to do. If he prefers to build things, look for a kit with the tools necessary for building. If he likes to repair, look for a kit with a lot of fix-it tools and spare gadgets. You know what they say – busy hands are happy hands.

Gift Idea For Him #4: Unique Sports Items

If your guy is a sports nut, consider the ultimate unique gift. Log on to his favorite team’s website and read about any construction or new projects being built for use by the team. Many times, during construction of a new facility or building, the teams will sell customized bricks to help with financing of the project. You could purchase a brick used for construction, have it engraved with his name and present a certificate to let him know that he will forever be a part of his favorite sports team. If his favorite team is building a new stadium or other brick structure, the brick would be used and forever remain as part of the facility. Talk about a homerun, this will be it! A better Christmas gift idea, for a sports fan, would be difficult to find. If he’s a race fan, check out the Auto Racing Hall of Fame & Museum in North Carolina, where you can purchase actual race-used tires from some of NASCAR’s top drivers for less than $100.00, which includes the Certificate of Authenticity.

Gift Idea For Him #5: A Gift Card

If you’ve looked all around and still can’t find the perfect gift, consider a gift card. For the man that is truly impossible to shop for, let him do the shopping for himself. Gift cards are great because they give the recipient an opportunity to buy anything in the store, as determined by the value of the gift card, without spending a dime.

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Auto Repair

Important Factors to Consider When Buying an RV for Travel

Important Factors to Consider When Buying an RV for Travel

Are you looking to buy a motor home? If you are, is your intended purpose for doing so to enjoy long distance trips across the country? If so, you are not alone. Many individuals enjoy traveling long distances in RVs as they have many of the comforts of home. If this is one of the many reasons why you want to buy a motor home, you need to exercise caution when looking to make your RV purchase. RVs come in a number of different formats, but not all may be perfect for your wants and needs.

The first factor to take into consideration, when looking to buy a motor home, is whether you would like a new RV or a used RV. You should have both options to choose from. When looking at both new and used RVs, your financial resources and your travel intents should be examined. For example, how much do you have to spend on a motor home and how much do you plan to use it? These two questions can help you decide whether you should buy new or used.

If you are interested in buying a used RV, mileage is another important factor to take into consideration. Mileage is important for used RVs that will be used to travel long distances. If you want to take extended or long distance RV trips, a used motor home with relatively low mileage is advised.

Cost is another factor that should be examined, when looking to buy either a new or used RV. You will not want to overspend. With that being said, many motor home owners are able to secure financing from a local lender or bank. Still, judgment should be used. You shouldn’t have to go without anything just to own a motor home. Also, remember that you should always carry extra money when traveling by RV. For that reason, you will want to look for the best prices and price compare when needed.

Size is also important when looking to buy a new or used RV. What you will want to do is take a close look at those who you are likely to travel with, like your family. If you are a family of four, be sure to purchase a motor home that sleeps at least four. Many RV owners also report success when having extra space to move around, so an even larger size may be best for you and your needs.

Features are another important factor that should be taken into consideration, as they can help you buy the RV of your dreams. When examining RV features, be sure to take your wants and needs into consideration. For example, do you want to have a full shower or an RV that comes equipped with a television? If so, look for RVs that boost these features when you shop.

When looking to buy a motor home, it is also important that you do the proper amount of research. Most car buyers do not buy cars without first doing the proper amount of research. This research often involves checking out rating and reviews online. The same should be said for RVs. Never buy an RV without first doing research online. Be on the lookout for RVs that have been recalled or ones that are known for having problems, which may end up costing you money to repair later on.

When looking to buy a new or a used RV, remember that you do have a number of options, in terms of purchase points. All across the United States, there are RV dealers. These are individuals and companies who specialize in the selling of motor homes. Occasionally, you may find a car dealership that has RVs available for sale. As for used motor homes, be sure to examine your local newspaper classified ads, namely the auto section. Many motor home owners who wish to sell their RV start advertising locally first.

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Auto Repair

Reasons to Join a Collectors Car Club

Reasons to Join a Collectors Car Club

Everyone who decides to join a car club usually has different reasons for being interested in the process, the majority of people tend to join for different reasons, but on occasion the reasons you are interested in joining coincide with someone else’s reasons and at other times they tend to conflict. You should join a car club for your own personal reasons and try to avoid reasons that are inconvenient for you, or do not combine well with your needs.

Each car club is very different, there are some clubs that are designed mostly for younger adults, while others are geared towards older adults or even women. This type of organization helps very well to allow people to interact with people who are similar and share at least one common thing. This can be a great way to acquire some new friends, and check out some fabulous cars all at the same time.

Another reason that many people start looking into joining a car club is so they can look around for people who are experienced in the style of cars they enjoy. For example, you wouldn’t do the same maintenance to an old classic car as you would to a kit built car. There are some distinct differences and joining a car club can help you learn those differences quickly.

Many people who are new to the car world tend to use a car club as a way to find a mentor. This allows them to really work with people who are very experienced and can help them get as much information as possible from the meetings or even just hanging out in general. Those who are looking for a mentor generally have a large selection of members to choose from and are able to find someone who is knowledgeable and willing to work with them rather quickly.

It is well known that most people who are involved in a car club have at least one possibly more incredible cars that are gorgeous, or well on the way to becoming gorgeous. If you are looking to buy and sell cars this can be an important place to make some great connections. Similarly if you are involved in an auto repair business, or even a body shop this is once again a great place to make some highly valuable business connections. People are much more likely to work with someone whom they know on a personal level which can make your time very valuable.

Still others join car clubs because they love the thrill of the car. There is simply nothing better than being surrounded by powerful machines that are gorgeous and properly kept and maintained. A restored car is a special treat that not everyone enjoys. Those who do enjoy the treat are often hard pressed trying to locate different cars that they can view. A car club takes away part of the hassle and allows you to quickly and easily locate numerous gorgeous cars and since most members take their special car to the meetings you have ample opportunities to look at how gorgeous an old banged up car can really be with some work.

Regardless of the reason you are looking for a car club there is no reason to justify it to yourself. If you are interested in cars, or just enjoy looking at them there is almost always a good car club that you can join. Many car clubs do not even require you to own a car, though there are some that are model specific and require you to own a specific model of car in order to have your membership approved. Look around, you are going to find hundreds of incredible people, thousands of fabulous cars and the opportunity to be at the center of it all with a great car club membership. Never before has the idea of being around so many incredible cars been such a reality.

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Auto Repair

How to Apply For An Online Payday Cash Advance Loan

How to Apply For An Online Payday Cash Advance Loan

Not enough money at the end of the month? Have an unexpected car repair or other emergency? Do you have a bill that has to be paid before your next paycheck arrives? These are all good reasons to apply for a payday cash advance loan.

Payday loans are relatively small, short-term, unsecured, consumer loans. Consumers apply for payday loans through the Internet, with loans ranging from $100-$1500. If approved, the loan amount is then deposited into the applicant’s checking account the next day.

Applying online for a payday loan is quick and easy and offers several advantages over applying at a traditional payday loan or check cashing storefront. You are able to apply directly from the privacy of your home or office computer via the Internet, never having to stand in line or wait in a crowded store. It is much more comfortable and safe applying online than going to a store that specializes in payday loans and check cashing.

The online payday loan application process can also be a significant time saver. In-store applications must be handwritten, and completed entirely in the store. If an applicant does not have all the required information and paperwork they are unable to complete the application and the loan cannot be processed.

Online payday loan applications can be completed in minutes. A steady job and a bank account are all you need to qualify for a payday loan. You usually need to complete a short application. Provide your bank details and occasionally fax the lender your last pay stub and a bank statement. There are a number of lenders that offer no fax payday loans, especially if you have your paycheck direct deposited into your account. There are no credit checks done, so even if you have less than perfect credit you can still be approved. Once approved, the money will be deposited directly into your checking account usually the next day. When it comes time to pay it back, the lender will debit your checking account the amount owed, unless you decide to pay back a portion or roll it over. Most lenders require a 3-day notice before the due date.

The term on payday loans typically range from 5 to 30 days, coinciding with your next payday. Usually on the application you will be required to list your next 2 pay periods. Some lenders charge a flat fee regardless of the length of the payday loan, while some lenders vary the interest rate depending on the length of the payday loans. Most payday loans lenders offer clients the option of “rolling over” a loan, meaning that the loan is extended to the next payday and the subsequent fees are doubled. The larger and more reputable online lenders will allow a client to roll over payday loans no more than one to two times.

Currently, fees charged on payday loans online range from $10s to $30 on each $100 advanced. Stated another way, annual percentage rates for payday loans generally range between 400 and 1000 APR. However, the cost of getting payday loans should be viewed as a service charge. According to market research, banks and merchants charge an average non-sufficient funds fee of $30 per check. Credit card companies impose an average late fee of $35, while auto finance companies charge $32. In contrast, the average finance charge on a payday loan is about $18 per $100 borrowed.

Payday loans are a great alternative to bouncing checks, pawning personal property, or borrowing money from family and friends. Consumers may also use payday loans to avoid late-payment penalties and negative marks on credit ratings. Ideally, individuals have money saved from each paycheck to prepare for financial shortfalls or unexpected expenses. Realistically, many people have a periodic need for short-term financial assistance. When used responsibly, payday loans can provide valuable assistance to these short-term cash needs.

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Auto Repair

How to Get Better Fuel Economy

How to Get Better Fuel Economy

Poor fuel economy can put a costly damper on any summer vacation taken in the family vehicle. But there are a few simple things you can do to enhance your fuel economy no matter what type of vehicle you drive, which means you’ll buy less gas and have more money to enjoy the summer.

Let’s go through a few ideas that are proven to improve your fuel economy.

Get the junk out of the trunk. I own an auto-repair facility, and you’d be amazed at the amount of stuff I find in trunks of cars these days. I’ve seen junk in the trunk of cars equivalent to a full-size man. Why haul the dead weight? Remove unnecessary winter supplies such as bags of salt and tire chains from the trunk of your vehicle. Get that bag of old newspapers to the recycling bin. Your vehicle will require less energy to move without the dead weight. So ask yourself if you really need to be transporting around that card table, set of golf clubs or storage container, and unload any unnecessary items from your trunk.

Keep air in your tires. Remember what it was like riding your bike as a child with half-flat tires? It was hard to get the bike moving. Once you inflated the tires, your bike was like a new sports car; it went faster with far less effort. Your car feels the same pain when the tires are at, say, 28 psi instead of the recommended 35 psi. (Just to be clear: Not every tire should be inflated to 35 psi. Look for the recommended psi rating on a label on your driver’s door or in the glove box.)

Use the right motor oil for your vehicle. I can’t overstate the importance of using good motor oil. To illustrate what I mean, try a little exercise. Take your hands and place them together with palms touching. Then rub the palms against each other quickly. Feel that warmth generated by friction? That’s exactly what is happening inside your engine. If you rubbed your hands together like that for an hour, you’d probably do some damage to your hands (which means you can stop rubbing your palms together now). And you’d also have to work much harder to rub your hands together.

Now you know why motor oil is so important to the efficient performance of your engine. If you put motor oil between those two sliding surfaces, a lot of that friction goes away, and the engine doesn’t have to work as hard. As a result, your engine is more fuel efficient.

But not every motor oil is created equal. Some last longer than others. While certain motor oils may lose their effectiveness after a few thousand miles, others are designed to last for a very long time. ExxonMobil makes an oil, Mobil 1 Extended Performance, that is actually guaranteed to protect and perform for up to 15,000 miles.

Keep your vehicle clean. Believe it or not, that layer of dirt on your exterior creates drag that, over long distances, hurts your miles-per-gallon count. Keeping your vehicle washed and waxed will improve your vehicle’s aerodynamics, improving your fuel economy. And you’ll feel good about driving around in a clean vehicle.

Consider the best option for ventilation. Conventional wisdom says that cars are always more fuel-efficient when the air conditioner is off. On long trips or highway driving, however, using the air conditioner is actually more fuel efficient than rolling down the windows. When driving fast, open windows create a drag that forces the engine to work harder to maintain speed. If you’re driving on short trips or in city traffic, roll down the windows and enjoy the breeze, but on the highway, turn on the air.

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Auto Repair

Birth Control 101

Birth Control 101

We now live in a world where sex is as normal as going out to the movies. Even teenagers as young as fifteen years old are aware of the concept of premarital sex. And chances are, a lot of adolescents aged 15 to 19 are already sexually active. It is because we take sex so lightly that the rate of accidental pregnancies are going higher and higher up the charts.

While we’re on the subject of being permissive enough to ignore teenage sex, think about this: Do these teenagers know what contraceptives are? Do they know which ones to use and how to properly use it? This article will help children understand birth control more.

What is contraception and how does birth control work?
Birth control is a set of actions, devices, medications used for the sole purpose of preventing conception or pregnancy. It works in three ways:
1. It prevents the monthly release of an egg cell (ovum) from the ovaries during menstruation.
2. It thickens the cervical mucus lining so that sperm cells would not be able to swim and join with an ovum.
3. It changes lining of the uterus to make implantation of a fertilized egg difficult.

What are the different birth control types available?
There are natural methods of birth control. These do not require the aid of any device of medication. The natural method of contraception includes:
1. Abstinence. This requires a person to totally abstain from engaging in sexual activities of any form.
2. Withdrawal. This requires the man to pull his penis out of his partner’s vagina before he reaches his climax and ejaculates.
3. Sexual outercourse. It allows sexual gratification by means of non-penetrative sex. It may be in the form of oral sex or masturbation.
4. Fertility awareness. This method allows for couples to determine a woman’s safe and unsafe periods by means of careful recording of the woman’s basal body temperature, her first and last day of menstruation, and the consistency of her vaginal mucus secretions.

The barrier method of contraception includes:
1. Male condom. It is a latex or polyurethane rubber cylinder worn on the man’s penis to block sperm from going into the partner’s body.
2. Female condom. It is a thin sheath or pouch worn to line the vagina to collect sperm ejaculated by a man during sex.
3. Cervical cap. It is a barrier made out of either latex or silicone which is placed over the cervix to prevent sperm from entering the female reproductive tract.
4. Diaphragm. It works much like the cervical cap.

The hormonal birth control method includes:
1. Oral contraceptive pills. These are pills that contain synthetic versions of the female hormones estrogen and progesterone which aim to normalize a woman’s hormone level to prevent ovulation.
2. Injectables. It is a progestin-only solution that is injected to prevent ovulation for three months.
3. Hormonal patches. It is a thin, 2in by 2 in patch that slowly releases hormones into the body within the span of a week before it is replaced.
4. Birth control implants. It is a thin flexible plastic rod to be inserted under the skin of the upper arm of the woman to slowly release synthetic hormones into the body within the span of a year before it is replaced.

The intra-uterine device (IUD) is a T-shaped rod placed inside the uterus to created a localized inflammation so that the bodies auto-immune system will create white blood cells to repair the infection and in turn kill sperm cells that get within the vicinity of the inflammation.

Choosing the best birth control method to use is a serious matter. Consult your doctor to know more about the different risks and benefits of these contraceptive methods before picking one to use.