Jun
28

- Video: Trade-in Tips: Getting Top Price for Your Used Car


– Video: Trade-in Tips: Getting Top Price for Your Used Car

from Smith Business Intelligence On Demand, Audio-Video Podcasts

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Apr
12

- Audio: Trade-in Tips: Getting Top Price for Your Used Car


– Audio: Trade-in Tips: Getting Top Price for Your Used Car

from Smith Business Intelligence On Demand, Audio-Video Podcasts

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Apr
01

Center for Primary Care Offers Skin Care Tips for Spring Break

Evans, GA (PRWEB) April 01, 2014

The Masters is returning to Augusta from April 7-13, and while golf fans flock to Augusta National, many residents pack up and head to the beach for a week. For those who are heading to the beach or are planning on standing in the sun on the course at Augusta National, the Center for Primary Care has some skin care tips to keep in mind.

Protection from the sun is essential to skin cancer prevention. Many non-melanoma skin cancers and melanomas are associated with exposure to UV radiation from the sun. Stay protected from the sun by using sunscreen on any exposed areas of the skin, including the feet and lips. Broad-spectrum sunscreen will protect against ultraviolet B and ultraviolet A rays. The Center for Primary Care recommends using SPF 30 minimally.

Sunscreen should be applied 30 minutes before heading outside and should be reapplied every two hours. Keep in mind that the suns rays are strongest between 10 a.m. and 4 p.m. and that a higher SPF does not offer longer protection and should still be reapplied every two hours.

Keep an eye on the sunscreens expiration date. The optimal shelf life is usually three years. Throw the sunscreen out if it is expired. Sunscreen should be stored in a cool place and not somewhere hot like a car glove box. Heat can damage the potency of the chemicals.

Children, especially infants, are at greater risk from the suns rays. Infants younger than six months should be kept out of the sun and dressed in lightweight clothing that covers arms and legs. Children under the age of 10 are at risk of damage to their eyes from UVR, more so than adults.

For those with kids, its important not only to buy a protective sunscreen, but also clothing with Ultraviolet Protection Factor, sunglasses that block 99-100 percent of UVA and UVD rays and a floppy hat for babies.

The medical experts at the Center for Primary Care are available to answer any questions about sun care. Visit http://www.cpcfamilymed.com for more information and to contact CPCs clinical offices.

About the company:

Center for Primary Care has been a leader in family medicine for families of the CSRA since 1993. The family medical practice features 27 family doctors, and seven existing locations throughout the Augusta, GA area. The primary care facility offers convenient office hours that include weekday evenings as well as weekend acute care.

CPC provides patients of all ages with the most accessible, convenient, personal healthcare available in a family practice. Among the many services offered include routine evaluations, physical exams by a family physician, diagnostic imaging and preventative care. Listings for all seven locations, including specific physicians, directions and hours of operations can be found on the Center for Primary Cares website. For more information, visit their website at http://www.cpcfamilymed.com.







More Use Car Press Releases

Jan
01

Home Security NW Introduces the Public to Five Type of Burglars and Tips on How to Stop Them


Seattle, WA (PRWEB) December 23, 2013

There is not just one type of burglar. While homeowners can protect their property against one type, another kind may literally come knocking at their door. Home Security NW recently released an article introducing the public to five different burglars. They include the Knock on Your Front Door Burglar, the Vacation Burglar, the Glove Box Burglar, the Lazy Burglar, and the Garage Rummaging Burglar. To view the full article, click here.

Each one of these thieves uses their own unique set of tactics. The article, therefore, recommends that homeowners take the initiative to defend their property against a variety of burglars. Homeowners are urged not to just lock the front door, but to also put a lock on their back gate, their garage door, and their glove box. Instead of turning off all of the lights when leaving for a vacation, homeowners are encouraged to leave at least one light on. Also, newspapers can be collected by a friendly neighbor.

No homeowner should assume they are always safe. It is not worth waking up in the morning to a broken car window and an empty glove box. It would be a sad ending to a lovely time away for a homeowner to return from vacation to find they had been robbed by the Vacation Burglar. Since the Lazy Burglar makes a habit of snatching bikes and tools from driveways, homeowners should make a habit of always putting their belongings behind closed and locked doors. Home Security NW suggests that homeowners should not just think about the guy who can pick the lock on the front door. He has friends, and they are out to loot the neighborhood as well, each in his own way.

About Home Security NW:

Home Security NW is a local Seattle home security company dedicated to keep you and your family safe. Their state-of-the-art equipment and affordable options make it easy to find solutions that fit a variety of home security needs. Visit their website for more information: http://www.homesecuritynw.com/.

1208 10th St #101

Snohomish, WA

(360) 339-8719







Related Used Cars Seattle Press Releases

Dec
22

InsuranceFishing.com Offers Tips on How to Find the Best Homeowners or Auto Insurance Policies


St. Louis, MO (PRWEB) December 19, 2013

InsuranceFishing.com, a company that specializes in helping consumers connect with local insurance agents, would like to offer some tips that apply to anyone looking to find the best homeowners or auto insurance policy for the best price.

The average homeowner spends about 2% of their annual income on their policy, so its important to maximize what you get for your buck, says Chans Weber of InsuranceFishing.com. Some homeowners are unaware that there are free quotes available online, and instead opt to pay for an insurance quote. However, there are websites, like InsuranceFishing.com, that offer insurance policy comparisons at no cost.

Finding a website to compare insurance quotes is especially helpful for first-time homeowners, who might not be aware of the variety of prices and policies available in the insurance marketplace. No matter if you are a first-time homeowner or already own a home, utilizing an insurance quote comparison website can save you money.

Complimentary insurance rate comparison websites have several advantages:

-Users can easily compare a variety of policies, side-by-side and at no cost

-Users can compare insurance both by company and price range.

Even if you are going to visit an insurance agent, arm yourself with knowledge and compare rates before you go to the local office. The information can help guide your decision making process and not all insurance agents have the gift of being able to explain policies and rates in a straightforward manner. There is no reason anybody should meet with an agent unprepared, says Weber.

So shop smart, use a rate comparison website and help make your purchasing decision easy. InsuranceFishing.com is your one stop shop for St. Louis insurance, New Orleans car insurance, Tulsa homeowners insurance and Tulsa auto insurance.

For more helpful information and to get the best insurance quote comparisons, visit http://insurancefishing.com/.

About InsuranceFishing.com:

InsuranceFishing.com is a one-stop website that quickly and easily connects consumers with live local insurance agents, so they can get the best possible rates and coverage on all of their car, rental and homeowners insurance needs. There is no cost to access the website and no registration is required. As part of its inaugural launch, InsuranceFishing.com is currently available to consumers with St. Louis insurance needs, Kansas City insurance needs, Orlando insurance needs, New Orleans insurance, and Tulsa insurance needs. Learn more at InsuranceFishing.com.







Related Used Cars Kansas City Press Releases

Aug
14

Tips How To Buy A Used Car PART 1

Part 1 of Part 2.

Mar
16

Drivers Are Finding The Best Auto Loan Rates Using Three Tips Presented By Complete Auto Loans


(PRWEB) March 16, 2013

Getting an auto loan has recently been a very difficult thing to do, but this is about to change. Consumers do not need to get loans through banks or other lending groups in order to get the financing they need for the vehicle they want.

Yesterday, if a someone had been bankrupt, suffered through repossession, or just didnt have any credit history at all, it was unlikely to say the least that they would get themselves a loan.

Today, however, is an entirely different story. Today, anyone willing can be approved for an auto loan. Whether the driver has had problems with their credit theyre the newest driver on the block, there is an auto loan for them. Complete Auto Loans has released an article explaining the three things drivers can do to get bad credit auto loans.

One thing drivers can do to get bad credit auto loans is to try installment payment agreements. Installment agreements are set up to take care of consumer payments on loan principle and interest according to real income cycles (e.g., when drivers get paid). This allows customers to build credit while they drive their new vehicle.

Forget the stress of credit approval. Complete auto financing on car purchases does not have to be difficult. There are loan companies that provide excellent auto loan rates, and flexible installment agreements according to income reporting.

For more information about auto finance, installment agreements and terms and conditions to consumer lending agreements, take a look at Complete Auto Loans: http://www.completeautoloans.com







Feb
25

Rate Digest Gives 6 Tips That Can Help Drivers Get Cheap Car Insurance Despite Their Age Or Driving History


Seattle, WA (PRWEB) February 23, 2013

There are many different things affecting a given drivers auto insurance bill. Most of these things are easily controlled no matter the age or driving history of a consumer. In most cases, what drivers choose as part of their coverage determines how cheap auto insurance is for them. Here is a detailed look into the 6 major things that affect drivers premiums, as well as a bit of advice on how to get cheap car insurance and save money.

As was just said, the bulk of a drivers bill comes from coverage- how much a driver is monetarily covered in the event of various accidents, whether they are responsible for them or not. The specifics of the coverage a driver has, as well as the deductible drivers are willing to pay in the event of those accidents, determines the monthly insurance bill.

Rate Digest suggests that, in order to lower premiums and get cheap car insurance, drivers take a look at how willing they are to pay before letting the insurance company take over. Since a higher deductible almost always means a lower monthly rate, drivers can save hundreds every year by simply increasing the deductible.

Also, Rate Digest advises that people look into how valuable coverage is to them. In the case of collision coverage, drivers with older cars are much less likely to see coverage returning their monthly investment, as older cars depreciate rapidly in value. This lowering of value makes older cars far more likely to become totaled in an accident, so drivers should keep it in mind when they sign up for collision insurance. It may not be worth the expense, and dropping it would certainly help drivers get cheap car insurance.

Also of heavy significance to a drivers premiums is the car being insured. Specifically, the higher the safety rating of a car is, the more cheap car insurance will be. Also, cars more likely to get damaged, such as sports cars, or cars more likely to be stolen will increase a drivers premiums.

The third major piece of a drivers insurance bill has to do with the drivers themselves. Of key importance to insurance companies is a drivers record, their age, marital status, and gender. If a given driver is under 25, single, and has been driving for less than three years, chances are very good that they will have a very high insurance premium. In these cases, Rate Digest suggests that young drivers take a driver safety course, which in some states can lower their premiums by a hefty amount. Also, drivers who are students may have additional discounts, depending their grades.

About Rate Digest

Rate Digest offers a free insurance comparison tool that lets consumers find the great insurance they deserve. http://www.ratedigest.com/







Dec
06

29 Used Car Buying Tips from a Pro

mymetrotoledo.net I buy cars for a living and have for most of the last 25 years. Here are 29 little tips that I would give my best friends or family members if they asked me how to pick out a great used car.
Video Rating: 4 / 5

Nov
02

Top 10 Money Tips to Achieve Financial Literacy


York, PA (PRWEB) September 29, 2012

From teenagers to Baby Boomers, and everyone in between, StageofLife.com presents its top ten money tips for consumers to consider as a path towards financial well-being and peace-of-mind. The list is part of the Stage of Life financial literacy initiative.

Top Ten Financial Tips for Life…

Tip #1: Make Financial Goals

Establish short and long-term goals, using a goal setting worksheet if necessary, to start planning goals within important areas of one’s life such as health & wellness, education, home, community, friends & family, travel, personal missions, and long-term dreams.

The first step for expanding one’s financial literacy is to clearly establish goals for life.

Tip #2: Follow a Budget

On its most fundamental level, financial well-being will stem from the ability to follow a budget. For some people, the word “budget” conjures up images of accounting software or other complex financial tools. But this doesn’t have to be the case. Essentially, a budget is a comparison of what a person takes in (income) verses what he or she spends (expenses).

Set up a budget, or use a budget worksheet if necessary, to start looking at how money comes into and out of the household. This process will get people thinking about money in new ways such as…

–What is money being spent on each month?

–Is money being put away for savings or investments first before making purchases or paying bills?

–Are there expenses in the household that someone could live without, thus increasing the ability to pay off debt or save more?

Tip #3: Respect and Build Credit

Credit cards are powerful financial tools. They help establish a credit history. They give people payment flexibility and provide protection from needing to carry cash. They also come with rewards programs, allowing consumers to earn points, miles or cash-back for regular, everyday purchases.

But for some people, credit cards can be negatively powerful as they allow those who don’t follow a budget (see Tip #2 above) to spend above their means and rack up massive amounts of debt. While “planned debt” (such as borrowing to remodel a home or making a large purchase such as a car) is something most people plan for and build into monthly budgets, “unnecessary debt” and the interest payments that go with it should be avoided at all cost.

Three quick tips for using credit cards would include:

1) Pay off credit card balances each month.

2) Make sure the credit card has a rewards program so that as the card gets paid off each month, the points, miles or cash-back bonuses can still be earned – which can later be used for special perks and premiums.

3) Make sure the credit card has an interest rate under 15%. If paying off a card balance each month isn’t an option, ensure that low interest cards are those carried top of wallet.

Finally, it’s not a bad idea for people to check their credit score and/or pay to have a credit report safety check in place to monitor illegal credit card activity or cards being taken out in the consumer’s name without permission.

Tip #4: Education and Learning Matter

There are statistics upon statistics pointing to greater career success, higher income and other beneficial life benchmarks when people add education to their lives. This doesn’t mean everyone has to get a four-year Ivy League college degree. Far from it.

Increasing one’s education level could come from…

–Going to trade or vocational school after high school

–Learning how to invest and how to save

–Taking a community class

–Attending a local college

–Going back for a GED

–Applying for a four-year degree university

–Working towards a Masters degree or Ph. D.

–Enrolling in an online class or college

–Taking classes, seminars, or workshops through work

–Attending a conference

–Reading a book

Whatever one’s education path may be, everyone should find areas in their lives to expand their learning opportunities, especially when it can improve one’s financial literacy.

Tip #5: Save Money – Use Coupons

Why pay full price for anything when consumers have access to so many great coupons, discounts and offers out there? Yes, it takes a little time to find and “clip” those coupons, but the time is worth it when people can save hundreds (if not thousands) of dollars each year.

Tip #6: Protect Yourself – Get Insurance

Insurance for one’s home, health, automobiles, business and other personal or professional assets is designed to do one thing…protect people in case of emergency.

It’s true that nobody particularly enjoys paying insurance premiums; however, given the choice between making a few monthly payments (as a part of one’s budget) in exchange for the protection and peace-of-mind insurance can bring a family, it goes without saying that insurance is indeed worth the time, energy and investment.

Consumers should find a trusted insurance agent or company that can help answer questions. Also, whether it’s for one’s home, car, life or health, people should make sure they understand what their insurance coverage will give them when the time comes to use it

Tip #7: Plan for the Future – Save & Invest

Everyone should sit down and ask themselves these questions…

–How much money is being saved each month?

–In case of job loss, is there enough in savings to live off of for six months?

–At what age will retirement come, and how much money will be needed?

Between high school and retirement, the average American has approximately 50 years to work, save and build up a “nest egg” to live comfortably on in the golden years. However, planning and committing to a savings and investment plan over 50 years is for most people, a daunting task, especially when asking teenagers to mentally buy into the process at such a young age.

It doesn’t have to be overwhelming. The idea of preparing for a positive financial future can start small by opening up a savings account, setting up an auto-deposit into that account, and scheduling time to talk with one’s bank or trusted financial advisor to discuss other investment options beyond the traditional saving account.

Tip #8: Own Your Home

Home ownership is a long term investment that over time (typically 15 – 30 years of paying off a mortgage) will leave people with an high-value asset. Several of the big questions people need to ask themselves when buying a home are…

–Is 20% saved to serve as a down payment on the home purchase? This may sound “old school” in a world where saving money is a foreign practice reserved for grandparents, but walking into a home purchase situation with cash for the down payment will lower one’s monthly payment, eliminate mortgage insurance, etc.

–Is the Realtor willing find good properties that are within a planned budget? Too many people are “house poor”, meaning they purchased a home with a price tag that was out of their budget once the monthly payments started.

–Is the Mortgage Broker lining up loan options that make sense and come from solid, healthy financial institutions?

–Is there a trusted home contractor to use if the home will need repairs?

Tip #9: Draft a Will

For many, discussions about death can seem uncomfortable or morbid. People avoid it. They don’t want to talk about it. Or maybe it’s simply a matter of procrastination. In any case, as one famous saying goes, “Death is certain…life is not.”

Regardless of whether it’s uncomfortable to discuss…death is a part of life.

Aside from the spiritual, emotional, and physical aspects of dying, as well as its effect on loved ones, a piece often overlooked is the financial outcome of death. Not everybody wants to talk about death and money when there are more important issues like enjoying time with loved ones and actually living.

The time invested in estate planning is well worth it, as those left behind will deal with how worldly assets are distributed once a loved one is gone.

Drafting a will doesn’t need to be daunting task. People should get recommendations from friends and family for estate planning attorneys. If someone is contemplating drafting a will or revocable trust agreement themselves, note that in many states a handwritten (holographic) will often is ineffective and not recognized under some state laws. In fact, Do-it-Yourself will kits and software may provide a legally binding will, but often raise problems after death with unintended results from provisions not properly understood by the decedent. Remember that cheaper does not always mean less expensive. Very often, wills drafted without the assistance of a competent attorney lead to much larger attorney costs after death to fix ambiguities or other unanticipated problems, and some of the problems may not be fixable at all. The best bet is to consult with an experienced estate planning attorney, who can make sure documents are drafted–and executed–correctly and can help talk through questions do-it-yourself software wouldn’t have thought to ask. Moreover, most reputable estate planning lawyers should be willing to provide an initial consultation at no cost (confirm that on the phone or in e-mail before meeting).

Consider these questions (among others) when having a will drafted:

–How much of the estate will go to the family? Which family members, and in what amounts? Should they receive the distributions all at once, or over time at certain ages, in trusts?

–Will there be gifts to individuals outside of the family?

–What are the gift tax consequences of gifts to people other than a spouse?

–How much money or assets will go favorite charitable organizations?

–Who should serve as the personal representative, executor, or trustee?

Other important documents to have include beneficiary designations for retirement accounts and life insurance (it is critical that these be coordinated properly with the will or revocable trust agreement, especially when they make up a significant part of overall assets), health care directives, and financial durable powers of attorney. Health care directives should contain statements about what kind of treatment is desired or not and in what circumstances (often called a “living will”), as well as appointment of a health care agent to make decisions when the person is not capable of making decisions (sometimes referred to as a “health care power of attorney”). A financial durable power of attorney appoints an attorney-in-fact to handle financial affairs in the event the person is incapacitated.

There is much to consider, and wise financial and legal advisors can help sort it all out. Having one’s affairs in order will provide great peace of mind and the knowledge that property and assets will go to the intended beneficiaries after death.

Consider these statistics for having a will:

–Once all funeral-related costs are factored in, the typical traditional funeral service will cost the average family close to $ 8,000 – $ 10,000, says Mike Testa of Funeral-Tips.com (June 2012 statistic).

–According to a 2012 AARP survey, 2 out of 5 Americans over the age of 45 don’t have a will. Some surveys put the percentage of adults without a will close to 60%.

Other considerations:

–For funeral or cremation preferences, don’t put them in the will, as that won’t be probated until well after the time for the funeral. Funeral instructions can be left in a separate document, or incorporated into a health care directive / living will. Most importantly, let closest family or loved ones know the “death plan”, i.e. “I want to be cremated.”

–Social media is a part of daily life, so what happens to the online content created once someone dies? If people are active online, they should consider creating a statement of how they would like their online identity to be handled, like a “social media will.” People should appoint someone they trust as an “online executor” (not to be confused with a legal executor). This person will be responsible for the closure of e-mail addresses, social media profiles, and blogs after death. (USA.gov)

TIP #10: Share Financial Wisdom

StageofLife.com welcomes people from every generation and stage of life to share their personal stories to help increase the collective wisdom on financial literacy. Maybe someone has been through a financial hardship and has insights to help others avoid the same situation. Or maybe someone has been extremely successful financially in some area of their life and would like to share tips to help others find similar success?

People are encouraged to take a moment to share their financial stories on StageofLife.com.

Additional financial literacy resources, links and free worksheets are available to accompany the above tips at http://www.stageoflife.com/FinancialLiteracy/Top10FinancialTipsforLife.aspx

NOTE: Stage of Life LLC does not provide legal or tax advice and its articles should not be relied upon as such. It is for educational and informational purposes only. Laws may vary by state. People should contact their own legal and tax advisors for advice on their particular financial circumstances.

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StageofLife.com is a free education-based blogging community with a digital literacy mission to encourage life-long readers and writers. It features monthly writing contests, free educational resources, Language Arts lesson plans, financial literacy tools, store coupons, and more.