Copyright 2006 Debt Management Credit Counseling Corp.Maybe you want to do your part for the environment. Perhaps, you want a more economical way to travel since gasoline prices are on the rise. Or, you may want to purchase a vehicle that rewards you with federal tax incentives. Regardless of your reason for purchasing a hybrid vehicle, you need to do research and make sure you get the most out of this financial investment.There are many websites which help consumers with the process of purchasing a hybrid vehicle. However, the research itself can still be overwhelming. Therefore, below are some important aspects you should consider.Review Review ReviewThe cost to replace hybrid parts can be extremely expensive. Reviewing your options when considering these costs, can help you quickly eliminate some hybrids off your list. Check the Technical Service Bulletins (TSBs) and recalls. Go to edmunds.com and search for the vehicle you have in mind for more information.WarrantiesIf you are purchasing a used hybrid or plan on owning the vehicle longer than the standard warranty, really think about spending the extra bucks on an extended warranty. Because hybrid vehicles are loaded with new technology, the cost to repair them is going to be extremely high. Not to mention the cost of the knowledgeable mechanic working on these vehicles. So, between repair and labor, it may be a wise decision to purchase the extended warranty and have a little peace of mind. Be sure to look into what the manufacturer offers. If you cannot afford to buy the extended warranty at the time of purchase, consider buying it before the standard warranty expires.Compare a Hybrid to a Conventional CarModel: 2006 Honda Civic Hybrid | 2006 Honda Civic Sedan Base Price MSRP: $22,150 | $14,760Fuel Economy (Average between city and highway) Hybrid: 50 miles per gallon | Sedan:34 miles per gallonIf you drive 15k miles annually, how many gallons of gas will you use? Hybrid: 300 gallons | Sedan: 441 gallonsIf the cost of gas is $2.75 a gallon, how much will you spend annually on gas? Hybrid: $825 | Sedan: $1,212If you save $387 yearly on gas by driving the hybrid, how long will it take you to make up the difference of the MSRP between the Hybrid (including the $2,000 Federal rebate) and the Sedan? 14 yearsIs there a tax break for Hybrid owners? How much will I save? Yes, if you are a Honda Civic Hybrid owner, you will receive a $2,100 tax credit from the IRS.Buy That New Car and Control Your BudgetDo you still think you need that new car? The chart above is a perfect example where you can buy that new car, get great gas mileage and maintain a budget. The extra money you could save every month for purchasing a conventional car would look great in your savings account.How about?.Buy That New Car and Control Your Budget Do you still think you need that new car? The chart above is a good illustration of how much one would spend on either a conventional car versus a hybrid, plus the difference in gas mileage. It also shows how a budget will be affected by the purchase of a hybrid. The extra money you could save every month for purchasing a conventional car would look great in your savings account.
The secrets of the casinos are not the kind of secrets that you may think. They are not secrets like the third slot machine in every row pays out on the hour, they are more like things they do to distract you from the obvious.One of the biggest secret the casinos do not want you to know is that if you use your head and not act irrationally you can go home with some money in your pockets, unfortunately most people enter a casino and all logic flies right out of their heads. They start seeing the bells and whistles of the casinos, and people with stacks of chips and all they can think of is what they are going to do with all the money they are going to win from the casino. Using your head is the key to winning money in the casino. The first think you need to remember is that the odds of you winning the big jackpot are so outrageously against you, that it is not worth losing your hard earned money on. So by being smart and not trying to get rich on one spin of the roulette wheel, one toss of the dice at the Craps table or one go on the slot machine you can consistently win smaller amounts that at the end of the day can a large sum of money.Next time you are in the casino try going to the 10 dollar Roulette table and only play red or black. Each win you will double your bet, and at 10 dollars a spin you can make 100 dollars in less then 30 minutes. I usually walk up to a table and wait for the wheel to land on the same color 3 times in a row then bet on the other color. Then after I have made some money I will start to play some other bets, but I only stay on the outside of the board. The odds are much better at 3 to 1 or 4 to 1 instead of 40 to 1. Using this method I have managed to turn $20 into $900 in just over 3 hrs. It may not sound like a fortune, but as I said before walking in poor and walking out a millionaire is not realistic.Next time you are at a casino look for a clock or window. Ok do not waste your time, there are none. Another secret of the casinos is that they want you to have no concept of time. When you are gambling time seems to go faster, and if there were clocks or a window in the casino you would have some idea of how long you have been gambling and would then start to think about leaving the casino instead if losing all track of time and spending all day and night in the casino. They do this because at some point you will start to get tired but be kept awake from the adrenalin from gambling, and at this point you can't think straight, and you will start to spend money faster. Always remember the casinos are not there to make you dreams come true they are there to take you for all your money. Any time you leave the casino with some of the casinos money it was accidental.Some of the tricks the casinos use to keep you gambling are:No WindowsNo ClocksUgly colors in the rugs and walls around the exits, and nice colors around the gamming areas will subliminally make you not want to go to those areas. The worse the odds of you winning the nicer the colors of that area will be.By keeping this information in mind you will not be going home from the casinos and quitting your job but you will have more money in your pocket and you will have had a good time making that money.
Automobile dealers are the bridge between automobile manufacturers and consumers. Car dealers are primarily engaged in retailing new cars, sport utility vehicles, passenger cars and cargo vans. New car dealers employ 9 out of 10 workers in the automobile industry. Along with vehicle sales, car dealers provide and perform other activities such as repair services, selling used cars and selling replacement parts and accessories. Large dealers are a one-stop shop for customers who wish to buy, finance, and service their vehicle. Used car dealers specialize in used vehicle sales and account for 1 out of 10 jobs in the industry.Sales of new cars, trucks, and vans tend to depend upon changing consumer tastes and the price of fuel. The popularity of the manufacturers vehicle model and the intensity of competition with other dealers play a vital role in the sale of a car. Consumers are also highly sensitive to the cost of financing. Automotive dealers are more likely to offer generous incentives, rebates, and financing deals during sluggish periods to maintain high sales volumes and to reduce stocks.According to the National Automobile Dealers Association, new vehicle sales account for more than half of the total sales proceeds at contracted new car and new truck dealers. These sales generate additional revenue in other departments of the dealerships. By putting new vehicles on the road, dealers count on after-market additions, repairs, and service for added revenue.Leasing a car or truck is one financing option for consumers. Leasing services have grown in recent years to accommodate changing consumer-purchasing behavior. As vehicles have become more expensive, growing numbers of consumers are unable or reluctant to make a long-term investment in a new car or truck purchase. Car dealers are a key resource for manufacturers who use them to establish brands and motivate customers to purchase their automobiles.
Installing a quality tonneau cover on your pick up truck is a great idea that can only enhance your trucks look and value. You can shell out a little bit of money and get a cover that looks no better than a tarp or you can pay a lot of money and get a tonneau cover that really makes a statement. In the middle area -- where most consumers shop -- you can find more than a few sensibly priced designs that are sturdy, long lasting, and eye-catching. Some covers look cut-rate -- and they are, while others look costly -- but they really are not. For the most part you will pay less for a soft-top tonneau cover than for a hard-top cover, therefore it becomes a matter of personal taste as to which cover you select.Simple to maintain The way you wash your truck is the way you will clean your tonneau cover: just be careful not to use a car tire or dashboard cleaning agent on it. Simply follow the manufacturers recommendation on how best to maintain your cover. Most any auto supply retailer should stock products expressly developed for maintaining a tonneau cover.Secure for your stuff If you regularly carry valuable merchandise in your truck bed, consider purchasing a locking, hard shell tonneau cover. Covers such as those made by Truxedo or Extang are designed with your security requirements in mind and will keep probing eyes from seeing what is in the back of your truck.Enhance your trucks overall value If you keep your truck looking and running its best, a premium tonneau cover will only boost your trucks value. When it comes time to sell you truck, you should be able to command a better selling price.Save on gas Todays high gas prices mean you must think of innovative ways to save on fuel consumption. One way you can achieve decent savings -- as much as 10-15% -- is to have a tonneau cover installed. With a tonneau cover in place, wind drag is significantly reduced: the less drag on your truck, the better your fuel economy will be.Most tonneau covers come with a one year limited warranty which should be sufficient for you. A reputable online auto parts wholesaler can give you detailed information about the various product offerings, care and maintenance instructions, prices, shipping and handling information, and more.
They say the first step to beating an addiction is to admit that you have a problem. Dealing with someone who has a gambling addiction can be painful. They have a tendency to withdraw from family and loved ones, so what are you supposed to do when someone you care about has developed a "gambling addiction" .There are several things you will need to do and some of them are very hard to do. The first thing you have to do is to hide all your valuables, and if this person lives with you, then you need to keep them behind locked doors and if that is not possible then take them to a bank and lock them in a safety deposit box.If this person is you child or your spouse then you need to limit there access to your money. In many circumstances people have spent their family's savings and kid's college funds. So if at all possible try to get that persons name of the accounts if it is not already too late, and cancel all their credit cards.At some point you will have to confront them. When you do confront them it is important to not yell and do not get angry just tell them how what they are doing affects you. Make sure that all the persons close friends are there to help with this.It is important that everyone take turns and tell the person how his gambling has affected their relationships, but in a non angry, caring manner. This will help the person realize that the people that care about him see something that maybe he does not and hopefully will take an honest look at his gambling.Remember the goal of confronting someone is not to make them stop gambling, it is to help them recognize they have a gambling problem and to encourage them to seek professional help.Some people recommend that you try to get your friend to go to a gamblers anonymous meeting, but I do not recommend this. Gamblers Anonymous is a great organization that truly helps those with gambling problems stay away from gambling, but before you are ready for this most people need one on one sessions with a psychologist or a counselor trained to deal with gambling addiction.After all is said and done, you must be prepared because most of the time the gambler continues to gamble, maybe they will make a brief attempt to stop before starting again in secret.With most addictions the person with the problem needs to hit what they call a "bottom". This is when the gambler has lost everything that really meant anything to them, such as family and friends, and it is only at this point many will see the problem and seek help.If you know someone who is unwilling to admit their gambling problem I recommend that after you have tried your best to get this person to seek help if they do not, you may have to be prepared to leave them, remember at some point you have to abandon a sinking ship before you go down as well.To find more information on gambling addiction search gamblers Anonymous and Codependence websites.