Having your car fixed when trouble arises can be a costly bill, especially if you need more than one part replaced on your car. You could choose to have a friend or family member fix it, or you could fix the car yourself, but many people don't have time for this or are not mechanically inclined. Either way, you can save money on replacing parts for your car, even if you have an auto mechanic to do it. Here are some tips for saving money by purchasing car parts elsewhere rather than having the auto mechanic who's fixing your car order them.
Get a detailed list from the auto mechanic (or friend/family) who's fixing your car. Find out how many car parts you need to be replaced and get an elaboration on what each part is for and the name of it. Tell the auto mechanic to print you out an estimate detailing all that is wrong with your car. Find out what price the auto mechanic is asking for the parts and labor. Tell him to put this on the estimate as well so that you can compare prices later.
Make a list of local junkyards within a 50-mile radius from your home (or further if your willing to travel). Contact each junkyard and request a price of the car parts you need. You'll need to make sure they have these parts in stock or can get them from another junkyard and find out what condition they are in. If your car is used, you can get away with used car parts, but just make sure they are still usable or have little miles. Try to get parts that match the make, year, and model of your car.
Sometimes you have to leave your information with a junkyard so that they can look and see if they have the parts you need or can order them. In the meantime, check out car parts online. Find the pricing of car parts for sale either on eBay or other various car part sites. There are many online websites that offer used auto parts and new parts for lower prices than an auto mechanic would charge. Be sure you know the make, model, and year of your car to search for parts and have an exact list of the parts you need. Make a note of the seller's contact information so that you can email or call them to be sure the parts they have are truly the parts you need. See the resource list below for links to car parts online.
Ask friends, family, and coworkers if they know of anybody selling parts for your particular car. Often times, people are selling cars for parts and would be willing to give you a deal for the parts needed for your car. Also, you could put an ad in the newspaper requesting parts for the car you have. Be sure to include your make, model, year, type of parts needed and contact information in the newspaper ad so that anyone calling will know the exact details of what you are looking for.
Request your car parts on Craigslist. Craigslist is an online list of classified ads where people can browse ads to find what they are looking for or place an ad to request the items they need. You can either search ads already in place to find used car parts or place an ad to ask if anyone has the car parts you need. Again, just like placing a newspaper ad, be sure to include your make, model, year, car parts needed, and contact information. You may only want to include your email address on Craigslist for safety reasons and to wean out all the people who will call and call if you leave a phone number.
How to save money on your home energy bills is not quite so straightforward as simply using less energy. While this factor naturally features prominently within the equation, one also has to very carefully consider how to ensure that one requires to use less energy and that the energy provider is the one best suited to one’s personal circumstances, at the most competitive price.
The first step in how to save money on your home energy bills is in examining the supplier of one’s home energy services and the charges levied by the same in comparison to any alternative home energy suppliers within one’s immediate locale. It is, of course, an unfortunate fact that not everyone will have the luxury of making comparisons in this respect and that very often no alternative energy provider will be available but Google searches, asking around among friends and colleagues and even consulting the Yellow Pages can reveal alternatives in this respect where none are initially perceived to exist.
Making one’s home energy efficient is the next step in saving money on home energy bills. This could include insulation in the loft or walls, or checking all doors and windows for draughts and if the money is not available to replace the doors or windows, at least taking steps to seal them to greater effect. Heat escaping in one of these fashions is one of the biggest causes of excessive home energy consumption and expenditure, and although it may, of course, be necessary to spend money in the short term in order to resolve this problem, the savings in the longer term could be considerably more substantial.
How to save money on your home energy bills is in the third sense about examining in great detail how energy is used within the home on a daily basis. Is the central heating timed to come on when no one is likely to be home? Are electrical appliances such as TV’s and PC’s left switched on in standby mode instead of being switched off when not in use? Are lights left on for lengthy periods in unoccupied rooms? This aspect of how to save money on your home energy bills is both about touring one’s own home and asking oneself such questions and then educating one’s family members accordingly.
Determining how to save money on your home energy bills can, therefore, require a bit of time, a bit of expenditure and a bit of patient education of family members; but the potential long term benefits are likely to prove more than fruitful to the household budget and benefit everyone accordingly.
Slash grocery bills and still serve hearty, satisfying, and nutritious meals by using these foods, which are the top five meal stretchers.
So many people to feed, so little food. Happens in kitchens all across this great land of ours every day. These tops five meal stretchers will help you stretch food further to feed more people plus lower the grocery bill too.
Pasta is Number One Meal Stretcher
It’s no wonder pasta is the number one meal stretcher, it’s cheap and comes in so many shapes, sizes, and even flavors, that pasta can please every family member. When pasta s used as the main ingredient of a meal, it can stretch a little meat and sauce a long way.
Toss cooked pasta with herbs, a cheese or tomato sauce, then top with a little cooked chicken, turkey, or ground beef for an inexpensive weekday meal.
Cooked Rice Stretches Food
Rice makes a perfect bed for steamed vegetables and can make a few vegetables into a full bowl of food. Leftovers can be re-vamped by serving on a bed of freshly cooked rice, or a single serving can of beef stew, or beef soup can be stretched to feed more than one person when served over rice. Rice is also a great filler food for tacos, burritos, and wraps.
Canned Salmon is Protein Rich
Canned salmon is a cheap alternative to fresh salmon, and the canned variety still contains all the good-for-you omega-3s. Canned salmon is a cheap source of protein when used as a meal stretcher. Crumble canned salad to top a salad or pasta. Fold canned salmon into omelets or add to chowder. One can of salmon be stretched to feed several people by adding a binding ingredient ( like an egg) and dry ingredients (like flour or bread crumbs) to create fried or baked salmon patties.
Canned Beans are Low Fat Protein Source
Canned beans are high in fiber, low in calories, and are a source of protein. Canned beans can be used to replace some of or all of the meat in soups and chili. Canned pinto beans can be mashed to use as a meat replacement of filler food in tacos, burritos, and wraps. Add canned red beans to cooked rice to create a filling, protein-rich food that will feed the family and save the grocery budget.
Canned Vegetables are Nutritious Meal Stretchers
Canned vegetables can be served as-is, heated right out of the can, and served as a meal stretching side dish. Canned vegetables can be added to soups and stews to make them stretch farther, or add bits of leftover chicken into the pot while heating canned vegetables for added flavor and protein. For a quick, satisfying, vegetarian meal, serve canned vegetables over cooked rice.
Many of our readers are confined to their homes and need food to put on the table. Sure, local grocery stores are open, but most shelves are empty, and they are booked out days and days in advance for home delivery.
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Putting a little money away for a rainy day isn’t always easy. You may have some good intentions, but at the end of the day, there just isn’t any money left. Somehow whatever you make is spend before you make it to the next paycheck.
Start by making a personal budget. Take a look at what you bring in each month. Next, write down your fixed expenses. These are things like rent, car payments, utilities etc. Figure out how much you need each month for groceries and other essentials. This is your bare bones budget. It’s good to know what you need to get by each month.
Next it’s time for a little bit of math. Start with what you bring in each month and subtract all your core expenses. What you’re left with is your discretional income. This will pay for entertainment, clothes, getting your nails done etc. And from here on out, part of that discretional income will go into a savings account.
Pick a number you’re comfortable with. Maybe that’s just $20 per month, maybe it’s $500. Put it in your budget and treat it like any other bill. It won’t take you long to get into the habit of setting aside that money for savings.
To make it even more hands-off, talk to your bank about setting up a separate savings account. Then set up an auto-deposit to have the savings transferred to the new account as soon as your pay check comes in each month. If you don’t see it, you’ll never miss it and your savings will run on autopilot.
Don’t forget to audit your savings from time to time. Take another look at your budget. Can you increase your savings a little more? Another great way to boost that savings account is to take any extra money – thinks like birthday cash, tax return, bonuses etc. – and put them straight into the savings account. Again, you won’t even miss the money, but it will help you build up your savings quickly.
Make sure your savings are sitting in an interest bearing account. Since you won’t be touching this money unless it’s a dire emergency, you should be able to earn at least a little interest. Talk to your banker about your best options and start putting your savings on autopilot.
One last tip: Talk to your employer about matching 401K funds. You may be able to get a contribution from the company you work for towards your retirement savings account.
Many times, certain things happen unexpectedly wrong. The place where we live burns so rapidly all in one go, there comes an earthquake, our car strikes into something, or we get bit out of sorts, there comes a possibility that we have to suffer such loses for which we have to pay heavily that even we can’t afford. Due to efforts of some people in the past years, we are now able to overcome those storms without being involved in any risk factor. We can help each other by spreading the risk among us as a group, and that’s what insurance does.
Let us first tell you what exactly is insurance and how does it work?
What is insurance?
Insurance is a promise by the insurance companies that they would compensate for specific losses occurred by ill-fate i.e. any natural disaster, illness, death, fire etc.
If we buy an insurance policy it will reduce the rate of risk factor by being transferred from us to the company. In actual, the there is no complexity in Insurance. It’s a simple way to proceed. We have to pay a particular amount to as insurance company that is known as Premium. In case, if certain tragedy happens, that can be enveloped by policy words, either lost or damaged items can be repaired or replaced by our insurer or they pays wholesome amount of it.
Kinds of insurance you need
Everyone knows many kinds of insurance exist such as life insurance, health insurance, car insurance, rental and home insurance, etc. but you do not need every kind of insurance. The exact type of insurance you need can be decided by your circumstances and your outlook. Before buying any insurance, you must mention following four questions directly;
- Explain the risk I would be insuring averse to?
It could be a sudden death factor, burning at home or car being stolen or being severely sick and under treatment.
- Mention the number of chances for it being occurred
There exist a small probability of fire at home but if it happens, you have to pay heavily for it. The risks of car being stolen are high but it won’t cost you as high as losing your home.
- What will happen if it occurs?
What happens if you die or your home gets fire or your car gets stolen? Will you be able to bear the expenses?
May be you have enough balance saved to overcome the cost or maybe you surely want to use your balance for this.
Purchasing insurance from the providers of insurance will help you to buy around and compare quotes and cover. Maximum tasks for this are being done online. There are many different types of insurance covers and insurance policies. The insurance brokers and companies are always available for you help. They will explain how the policies work; they can find you one suited to your circumstances and even help in claiming. All these insurance companies, insurance brokers and financial advisors have to follow the protocol and get registered on the official government website Financial Service Providers Register (FSPR). Please note that this is for New Zealand only and varies from state to state and country to country.
Here are the few tips that you must keep in mind when buying a policy.
- Read the policy carefully.
- Always choose the right excess.
- Have an emergency fund.
- Be honest and tell the truth.
- Shop around.
- Don’t double up.
- Combine insurance.
- Look for a credible.
- Take precautions.
Right cover is the key
All the insurance policies are not same. They have different rules and regulations. It’s better to compare policies as the decision will become easier for you. Go for the right cover as two policies can have same price. For example, a trauma policy will only cover certain named diseases, not all illnesses or injuries. There are few cheaper house policies which cover specific events such as fire, theft etc. but not all risks.
Also, some policies will pay for the damaged or stolen items. Others may only pay ‘present value’. If you want to know all the details, go to Insurance Council website. All insurance policies have different conditions and exclusions. These exclusions are for unfavorable events that take place without your control.
The crux of this discussion is that read the policy carefully. Know the terms and conditions in detail. Clear your mind; otherwise you may be paying money for policy that will not help you when you need it the most.
In a perfect world, you would call an insurer and get fixed what is broken. But the world we live in is not perfect. Here, the process of claim is a little more complicated than that. There should not be any misunderstanding about the claim. Your claim will vary according to the type of insurance you need (home, life, health etc.).
The procedure for every insurance claim is quite same with a slight difference. Claims for home owners and car insurance require same basic steps. Claims for health insurance are slightly different.
Make the right phone call. No matter what kind of claim you are filling, get in touch with your insurer as soon as possible. The faster you get the ball rolling, the sooner you will receive the outcome.
Fill out the required forms. After you have contacted your insurer, they will send you few forms to fill. Many insurance companies give facility to fill online forms which makes process much smoother and quicker.
Get your damages assessed. Most insurance companies will ask you to get damages priced by an approved party to make sure that they are paying you a right amount.
Cover your deductible. You have to cover your deductible in full before insurance company will fork over its share of the total cost.
Make sure that you contact your insurer soon after the damage happens. The settler may choose to settle the claim by paying a sum of money. They may or may not repair or replace the items that have been damaged. In most policies, there is a value you have to pay as the first step of the claim. Be honest as insurance companies are wary of fraud and they will investigate if they have a slightest doubt of betrayal.
The amount of time it takes to settle a claim depends on different factors. It also depends on the severity and complexity of damage, how you quickly contact the insurer, how soon an adjuster is available, whether the company is handling multiple claims at once such as in case of natural disaster and so on. Considering all these factors, it is hard to tell the average time for claim settlement. The best thing you could do to settle claim in a timely fashion is to file as soon as possible and stay in constant contact with your insurer.