Fuel Saving: Tips on Improving Fuel Economy

A fuel pump nozzle. How to save your car fuel?The fuel price has jump so high last year it until causes many other things to follow this trend. This has caused many of us to change our lifestyle especially in spending money. Fuel has sucks big portion of the income. What can we do to save on fuel?

Here are some ways to improve the fuel economy for vehicle:

Avoid Excessive Idling
If you are to wait for than a minute while you are not in traffic, stop the engine and start it again later. When warming up a cold engine, allow the engine to idle until the temperature gauge pointer comes up to the “C” position. In this position, the engine is sufficiently warm for starting off.

Avoid “Jackrabbit” Starts
Fast starts from lights or stop signs will consume fuel unnecessarily and shorten engine life. Start in a restrained manner.

Avoid Unnecessary Stops
Avoid unnecessary deceleration and stopping. Try to maintain a slow steady speed whenever possible. Slowing down and then accelerating back to speed uses more fuel.

Keep a Steady Cruising Speed
Keep as constant a speed as road and traffic conditions will permit.

Keep Air Cleaner Clean
A dirty air cleaner will cause the carburetor to supply too much fuel to the engine. The result is waste of fuel due to incomplete fuel burning.

Keep Weight to a Minimum
The heavier the load, the more fuel the vehicle consumes. Take out any luggage or cargo when it is not necessary.

Keep Tire Pressure Correct
Underinflation can waste fuel due to increased running resistance of tires. Keep our tires inflated to the correct pressures shown on the label on the driver’s side of your car instrument panel.

These ways ensure fuel economy of your car or vehicle without having to spend your money.

10-05-2009 by Sorli

Tips On Buying Used Car

Used car for sale.
To help you stay on the road to safety and savings the next time you buy a used car, the Federal Trade Commission offers this advice:

  • Before shopping for a car, think about your driving habits, your needs, and your budget;
  • If you finance the cost of the car, consider how much you can put down, your monthly payment, the length of the loan, and the annual percentage rate. Make sure you understand all aspects of the loan agreement before you sign any documents, including the exact price; the amount you’re financing; the finance charge; and the total sales price;
  • Learn about car models, options, and prices by reading newspaper ads, both display and classified;
  • The Federal Trade Commission requires dealers to post a Buyers Guide in every used car they offer for sale. Private sellers don’t have to use the Buyers Guide. The Guide tells you: – whether the vehicle is sold “as is” or with a warranty;
    - percentage of the repair costs a dealer will pay under the warranty;
    - that spoken promises are difficult to enforce;
    - to get all promises in writing;
    - to keep the Buyers Guide for reference after the sale;
    - the major mechanical and electrical systems on the car, including some of the major problems you should look out for;
    - and to ask to have the car inspected by an independent mechanic before you buy;
  • Examine the car using an inspection checklist. You can find these on Internet sites that deal with used cars;
  • Ask for the car’s maintenance record from the owner, dealer, or repair shop;
  • Test drive the car under varied road conditions – on hills, highways, and in stop-and-go traffic;
  • Talk to the previous owner, especially if the present owner is unfamiliar with the car’s history
  • Hire a mechanic to inspect the car for mechanical soundness as well as safety;
21-03-2009 by Sorli

12 Tips to Protect Yourself from Health Care Fraud

37% of Americans aged 62 –75 ranked fear of fraud ahead of concern for health crises and terrorism!

Health care fraud is not just about losing money, it can make you sick or hurt you. From unsafe drugs sold on the Internet as a “cure” for cancer, to wheelchair billing plots that try to bilk consumers and Medicare out of millions of dollars for unneeded or improper equipment, health care fraud is everyone’s concern!

Health care fraud, errors and abuse costs the US between $80 and $160 billion a year. $1 of every $10 spent on public insurance programs like Medicare and Medicaid is lost to fraud. Health care fraud causes big financial problems for you as well- the most recent estimate is that consumers themselves lose more than $10 billion each year to health care fraud.

Don’t Be a Victim!

Consumers like you play a big role in the fight against health care fraud by reporting errors and possible fraud. Law enforcement is important, but the best protection comes from preventing people from being cheated in the first place. There are 12 simple steps you can take to protect yourself and your family.

Take Action– post the 12 Tips to Protect Yourself on your refrigerator and use them as a daily checklist to make sure you are keeping your personal information and health safe.

12 Tips to Protect Yourself from Health Care Fraud

  1. Only visit your personal doctor, hospital or clinic for medical help. Only they should make referrals for special equipment, services or medicine.
  2. Never show anyone your medical or prescription records without first talking to your doctor or pharmacist.
  3. If someone calls and tries to threaten or pressure you into something – simply hang up the phone.
  4. If someone comes to your door and says they are from Medicare or some other health care company shut the door…It’s shrewd to be rude!
  5. Do your homework and talk to your health care provider before buying or investing in internet “cure-all” or “miracle” products or services.
  6. Don’t keep mail in your mailbox for more than one day. People steal personal information right out of your mailbox.
  7. Rip up or shred your Medicare or other health care papers and other important documents before throwing them away. Crooks go through the trash!
  8. Treat your Medicare & Social Security numbers like credit cards. If someone offers to buy your Medicare or social security number, don’t do it…it’s simply not worth it.
  9. Remember that “Medicare” doesn’t sell anything.
  10. Follow your instincts—if it seems too good to be true, it usually is!
  11. If you suspect an error, fraud or abuse related to health care, gather the facts and report it.
  12. ALWAYS read your Medicare Summary Notice (MSN) or health care billing statement. Your Medicare Summary Notice is the piece of mail stamped “This is Not a Bill” that comes in after you get medical care. Look for three things on your billing statement:
    • Charges for something you didn’t get
    • Billing for the same thing twice
    • Services that were not ordered by the Doctor

Everyone pays the price for health care fraud, errors and abuse, through higher insurance payments, increased costs for medical services and equipment, and greater expenses for Medicare and Medicaid. But more importantly, lives are at stake.
Source: The National Consumer Protection Technical Resource Center

13-02-2009 by Sorli

Tips: Why Should I Own An Insurance Policy?

Here are some reasons why that you should own insurance:

  • As a preparation if struck by a disaster, we do not know when an accident will occur.
  • Having insurance while still young and healthy can give higher returns when the insurance has matured.
  • As a future savings for a source after pensioning.
  • Increasingly higher cost for learning. For example, my child should possess insurance to ease our burden later.
  • As an inheritance to my child and heir if I died as a consequence of a disaster.
  • Health insurance is needed to accommodate the medical cost and treatment if I am hospitalized.

A lot of benefits when owning insurance. It is not a gamble of life but as a preparation to face the uncertainty.

by Sorli

Tips How to Get Cheap Auto Insurance Quote

Here are some useful tips on getting cheap auto insurance quote. These tips are from Brian, a former insurance agent and financial consultant. He gives some tips on how to get cheap auto insurance quote:

Examine Your Auto Insurance Policy – A few changes in the auto insurance coverage can save hundreds of dollars in the insurance premium.

Increase The Insurance Deductible – Deductible is the amount of money have to be paid before an insurance company pays a claim. Raising it can save hundreds of dollars per year of the car insurance.

Install a Security System – Most insurance companies will give discount if security system is installed to the car.

Decrease Your Mileage – The auto insurance that have to be paid is directly proportional to the number of miles you drive. So cut down your mileage, try car pooling or walking sometime.

Shop Online for Cheap Auto Insurance – Try to compare them online.

06-02-2009 by Sorli