February 22, 2012

3 Reasons Why Plastic is Safer Than Cash

Visa Debit card from Bank of America

Image by MoneyBlogNewz via Flickr

There are many arguments for using cash when paying for things. One of the main arguments is that it helps you save money because when you see the cash leaving your hand, you are less likely to spend as much. But paying with a credit card or debit card is much safer than using cash. Here are three reasons why plastic is safer than cash.

Ability to Cancel Charges
If you have a wad of cash stolen from your wallet or purse, you can pretty much forget about ever getting it back. But if you have a credit card or debit card stolen, you can cancel your account right away. In most cases, you aren’t even responsible for the fraudulent charges made on your cards if they are stolen. This means you can recoup your losses and simply get a replacement card for your account.

Disputing a Purchase
Have you ever purchased something and had it break the next day? When something like this happens and you have used your credit or Reach card to purchase the item, you can contact your card company and they will fight for a refund on your behalf or try to reach a resolution with the seller of the merchandise.

Keep Track of Your Spending
By getting a monthly statement or being able to look up your charges online, you can make sure there are no unauthorized charges on your card. If there are, you can contact your card company and have those charges investigated.

No form of payment is without its disadvantages. But plastic seems to be one of the safer and most accepted forms of payment in our society.

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Gas Saving Tips that Work

Example variable speed limit sign in the Unite...

Image via Wikipedia

With the price of gas constantly on the rise, finding workable gas saving tips is now a national pastime. These tips may do little to impact gas prices but they can help keep a few more dollars in your pocket. Some of these are well known but require a little practice. Others may be new but are worth trying out.

How to Improve Gas Mileage

Some of the things that motorists can do to improve gas mileage include:

  • Servicing their vehicles regularly. Properly tuned engines work better and burns less gas.
  • Improperly inflated tires also put added strain on a car, requiring more gas for it to move and work efficiently. Car tires should always be kept at the right pressure.
  • Follow the speed limit and drive at a moderate speed. Fast starts actually burn fuel needlessly so take your time when moving off.
  • Drive during off-peak hours when possible. The constant stopping and starting in heavy traffic is another way gas is used up inefficiently.
  • Plan ahead and map your route. Also, where possible reduce the number of trips you take. Try to get your errands done with one trip, especially if they are on the same route.
  • Avoid carrying too much weight. The lighter the car the less effort it needs to operate and therefore less gas is used.

Since carpooling is not always possible, it makes sense to conserve and increase our gas mileage in other ways. The changes suggested above are not hard to follow. Over time and with practice they will become second nature. Best of all, by following some of the tips listed you will also extend the life of your vehicle.

 

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Common Auto Maintenance Mistakes

List of car audio manufacturers and brands

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While our vehicles generally play important functions in our daily lives, we sometimes don’t take care of  them as we should. Auto care is directly linked to the issue of safety, and a car maintenance schedule can help detect problems early. Sometimes the simple things we ignore can become major headaches in the long run. A few transgressions some motor vehicle owners are guilty of include:

  • Poor maintenance schedule: Today’s cars don’t need the strict servicing timetable cars did twenty years ago. However, this is no excuse to take a tune-up for granted. Follow the guidelines in the car’s manual and then adjust this based on your driving habits.
  • Not checking of brakes: Given the importance of this small component it is hard to imagine that it could be ignored but it does happen. As soon as the brake light shows up your dashboard, get the vehicle checked. Alert your mechanic if you notice even minor changes in braking.
  • Using old windshield wipers: There is no timetable for replacing wipers as the wear depends on how they are used. Worn wipers will limit your ability to see in bad weather. They are inexpensive so change them as soon they start smearing the windshield. This could help you avoid an accident.
  • Not checking the tire pressure: This is another easy to perform task that is often ignored. The correct tire pressure improves gas mileage and it protects tires from blowouts. Car owners should buy pressure gauges at their local auto stores so they can make weekly checks.

In and of themselves these are not the only factors to be aware of in automotive maintenance, but they are important ones. A commitment to performing these tasks when necessary could save you money, especially on insurance premiums.

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