Feb 21, 2011

How to Save Real Money When Running the Family Car

Your car will serve you well, and cost effectively, if you take the time to learn a few basic maintenance skills. Ready to start? Let's go.

There are many areas where you can save real money when running your car. Some of these are:
- Actual running expenses
- Minimizing serving costs
- Reducing the slide in value as it gets older

Let's look at each of these areas in turn.

Actual Running Expenses - save on day-to-day running costs

a) Go easy on the throttle and the brake pedals. If you anticipate the traffic and road conditions a little more, you can save fuel and brake pad wear. Don't be in such a hurry, go easy on the car controls.
b) Keep the tires at the correct pressure. If they look to be wearing unevenly, get them checked. Get a wheel alignment done at least once a year.
c) Shop around for the best fuel deal. Use coupons or dockets always.
d) When it's time for new tires, shop around. Don't be afraid to ask "What is your best price?" Compare prices and brands. Get to know the most suitable tire for your type of driving needs. Play off one retailer against another. The same goes for brake pads. Don't just accept any quote.

Minimizing Service Costs - keep these to a minimum

a) Learn to do your own oil change and greasing. This is not a very arduous job. I actually enjoy the time under the car. Changing the oil, oil filter and greasing only needs to take less than 1/2 an hour altogether, but can save you a substantial amount of money. Just be sure doing this does not void your warranty. You can also easily change the air filter saving you even more money.
b) Get to know the normal noises your car makes. If at any time these change, see if you can work where the noise is coming from. That way when you go to your mechanic you won't have to say "Just fix it", you will be able to offer some ideas as to the cause of the problem.
c) Keep an eye out for loss of any fluids. This is often a cause of large maintenance costs. Check regularly to ensure the radiator water level, engine oil level, brake fluid level, automatic gearbox oil level, power steering oil and/or clutch fluid levels are all close to, or at, the "full" mark.
d) Look at the garage floor. Has oil been dropped on it recently? Was it from the back or the front of the car? Don't let oil leaks go checked. Get them looked at right away.
e) If you choose to do your oil changes, shop around for the best price on good oil and filters.
f) If your car requires some specialized servicing or repair, shop around. Get competing quotes. Play off one repairer with another to get the best price.

Minimizing the Value Slide - get the most for your car when you sell

a) Keep the car clean inside and out.
b) Keep the car polished at least once a year. Twice a year is better. Use a good brand of polish
c) Use floor mats always. Keep them clean. Keep the carpets vacuumed regularly.
d) Keep a log book of all monies spent on the car and at what mileage/kilometers they were done. Keep the receipts. This will help you get the best price when you sell if prospective buyers can see you looked after the car well.
e) Use a good quality vinyl or leather protector on your dash, seats and door trims to save them from cracking and discoloration, as they get older.
f) Look for rust spots. These can occur around the windscreen, under the doors, in the door sills and other parts of the body. If you notice any, treat them immediately with a good brand rust killer. If you feel unqualified, get a specialist to fix it right away.
g) If you see stone chips, treat them right away. These can turn into rust spots if not cared for. You could either use a auto paint spray can of the same color or touch it up with a small paint brush and touch up paint.
h) The value of your car will be enhanced at sale time if you keep it as close to original condition as possible. Try to look after the car and keep it looking like it would have been when it was new.

These are just some ways you can minimize your car ownership costs and maximize the amount you receive when you go to sell the car.

Tips For Choosing High-Performance Mutual Fund


Most people who invest in mutual funds don't know what they are doing. They take advice from someone at a bank or perhaps a friend and plunk down money into a fund. Sometimes this strategy works, but most of the time, it doesn't.
When you invest your money in a mutual fund, you are trusting someone to invest in the stock market for you. Because of this, you want to be sure this person knows what he or she is doing. Also, you want to make sure that this person is not charging you too much to manage your money for you. Mutual funds fees are "hidden," in the sense that they do not charge you an upfront fee but rather a percentage of the amount of money in your account. If this percentage is too high, you would do better just blindly picking stocks yourself.
 Here are five helpful tips for choosing the right mutual funds.

1. Keep the fees low. Generally, expense fees should not be much higher than 1% if it is just a basic domestic equity fund. You should never invest money in a fund that also charges a "load," which is an additional fee that is ridiculous to pay. Never invest in funds that charge loads; those funds are for suckers.
2. Check the asset base. Mutual fund managers only know of so many good investments. When they have too much money to manage, they begin investing in stocks they don't like much but need to invest in anyway or else they'll just have money laying around. There's little reason to invest in a fund with over $5 billion in assets. It's best if it's under $2 billion generally.
3. Consider an index fund. This is a fund that tracks a stock index, such as the S&P 500. For these funds, the manager just buys whatever stocks happen to be in the index. Since this is not much work, the fees are much lower. Even though this method is simple, it has proven to perform better than most mutual funds. Some high performance index funds include FSMKX (Fidelity S&P 500) and VIMSX (Vanguard S&P 400 Midcap.
4.  Evaluate the fund's strategy. If you have a long term outlook, look for a more aggressive fund that invests in small-cap stocks, international stocks, and riskier stocks in general. High risk tends to result in high performance in the long run. If you are more risk-averse, consider an S&P 500 index fund.
 5. Keep the fees low. Did I mention this already? Well, I'll mention it again. This is where most people mess up. Make sure you are not paying a load or paying too much in fees to the mutual fund.
 More information about mutual funds can be found at

How To Get A Sugar Daddy For ME

How To Get A Sugar Daddy For ME




 



  • Ask yourself why your girl has chosen a sugar daddy relationship as opposed to a run-of-the-mill, catch-as-can union with someone else.


    • But that doesn't mean sacrificing your integrity. Consider it a privilege that your favorite lady thinks of you when she has a problem.
    • Understand the difference between sex and love. Many of her younger friends will be too caught up in their own hectic lives to devote themselves to her plight, whatever it is.

      A lack of kindness is something many women cite as being a flaw in younger men who are by nature often self-centred. Even if your girl is being impossible, and sometimes she just might be, be kind. The Sugar Daddy relationship is one that can have a great many benefits to both the 'daddy' and his girl.
    • She'll value your life experience and really appreciate you taking the time to help her. And if you're not in love, then understand the difference between selfless and selfish sex. Again, as a more mature Sugar Daddy, you have the advantage. If you want to be a truly good Sugar Daddy, make sure that you are a fun companion, but one who is also dependable and in tune with his lady. But remember that spending money isn't just about spending money, or about how much of it you spend! Thoughtfully chosen gifts are those that reflect the personality and the likes of the recipient.
    • Be there when she needs you. It's a myth that all gifts need to be expensive; the best presents show ingenuity and prove that the giver has a personal and deep interest and understanding of the recipient.

      As a Sugar Daddy who knows his girl you'll have her favourite colour, perfume, wine and flowers embedded into your psyche. And if you can, solve it, or help her to. It's usually because they are women who want something better, a lifestyle that's more luxurious culturally and in terms of freedom and stability.
    • Kindness. And if he is older than his lady and has more life experience he'll be able to tap into this wealth of carnal knowledge and really please his girl.

      Knowing your own worth will allow you to give the best of yourself to her.

      She'll appreciate it.



      Rayna Saloum is an commentator on coaching basketball who also discloses strategies pictures olympic sports,ski dictionary,ski dictionary on their site.

    Pilgrimage to Sturgis Without a Motorcycle; Atonement at Wounded Knee

    Pilgrimage to Sturgis Without a Motorcycle; Atonement at Wounded Knee

     

     
    Self Improvement,Spiritual,Travel & Tourism  
    My intention was to participate in the great biker hajj to Sturgis, South Dakota for Bike Week with several biker friends. "Sturgis" was about the only motorcycle experience I lacked. I bought a Honda Super Bee for $90 from a guy who was traveling cross-country and broke down in my hometown of Goshen, Indian when I was fifteen. I rode all over the Midwestern U.S. on that old Honda. When I was nineteen I did a 7,000 mile trip from Indiana down through Mexico on my next bike, a Suzuki 500. But after I wrecked my Harley and nearly killed myself, I vowed I was done with motorcycles. I’m a middle-aged attorney with wife and kids for Gods sake! That was my third serious bike wreck, and I feared three was all fate may have allotted me. But old biker friends were going to Sturgis, and that last adventure on a bike beckoned. How could I experience Sturgis without breaking my vow? A rental Harley seemed like a good solution, so I rented a Road King in July and did a weekend ride with three friends. But fear had a hold on me. When my front tire skidded on gravel on a curve on State Road 135 in Southern Indiana, I had flash backs to the last wreck. In that one I was thrown over the handlebars between a tree and a truck-size boulder as my out-of-control bike went over a creek bank and into the water. My front brake locked and I was thrown over the handlebars on a country road when I was sixteen, and was hit broad-side by a car at nineteen. I recovered and rode again. No problem. But my last wreck, maybe because I’m older with family responsibilities, imprinted a fear I’d not felt before. I decided the vow covered rental bikes too.
    But I was determined to experience Sturgis. I decided to drive my new Sebring convertible to Sturgis and hook up with my biker buddies out there.
    But Sturgis, I found, was not what I sought. I discovered what I was really seeking in small towns across the Midwest and in a spontaneous pilgrimage to Wounded Knee. On a hot cloudless day in August with the convertible top down I left Indianapolis and drove State roads across Western Indiana, Illinois and Eastern Iowa. When the Sun was setting I stopped in a little town, Allison, off State Road 3 to gas up and find a place to eat. A young woman pulled up beside me in the parking lot of Casey's Market and we struck up a conversation about her two little redhead kids in the back seat. When I asked her advice about a place to eat, she said there weren’t any places she could recommend, but she was on her way to a friend's for pizza and I was welcome to join them. So I spent the evening with two unwed mothers, Candace and Jen, and their four little kids eating pizza, drinking Pepsi and playing with sparklers.
    Jen's brother, Brian, had committed suicide just a few weeks prior and Jen told me that Brian had always wanted to go to Tibet and see the Himalayas. His ashes are interred in his mother's garden. I told Jen that I would put her in touch with my fiend KP in Nepal, who runs a Himalayan guiding company and he could arrange for some of Brian's ashes to be scattered in the Himalayas. She was very grateful for the offer, and Jen and Candace declared that I must be an angel sent by God to answer a prayer. (I would have thought that an angel deserved better than sleeping in his vehicle at a rest area on I-90 just west of Albert Lee, MN, but I was too tired to find a campsite and set up my tent by the time I stopped to sleep after leaving Jen’s house past midnight.)
    The next day in Sioux Falls, South Dakota, I met my friend Bernadette. We became acquainted the previous fall on a dive trip to Palau. She had invited me to participate in a Sioux Indian powwow through her brother Lantz's contacts, but Lantz's wife decided to have a baby instead. Bernadette explained that without Lantz, we would not be welcome as the powwow was not open to outsiders. It was ferociously hot, so instead, we went to Palisades State Park, which has “the old swimming hole” for locals. It’s where a creek balloons into what looks like a quarry to Hoosier eyes, but water can cut sheer walls in granite over tens of thousands of years just like the cutters did in a few decades to make the limestone quarries around Bedford and Bloomington, Indiana. We sat on a boulder dangling our feet in the water and reminisced about diving in Palau. Just down-stream three teenage boys in cut-off jeans repeatedly jumped off a 20-foot wall hooting and bellowing like crazy men.
    A surprise thundershower sent us briskly on our way to dinner at Crabby Bills -- a seafood restaurant in Corson, S.D.! (Probably borrowed the name of a well-known restaurant on the west side of Tampa Bay.) After dinner I returned Bernadette to her new-born niece's side and found myself again driving late at night and too tired to look for a campsite. I slept in my car at another rest area on I-90 (near Mitchell, S.D. famed for its Corn Palace). I thanked God and Lee Iacoca's successors for the comfort of my Sebring's reclining seats as the South Dakotan version of Crabby Bill's shrimp and I settled in for the night.
    Throughout the night of August 3d and the following morning rain was a constant companion. I passed thousands of bikers as I closed in on Sturgis. Maybe it was the rain, but they seemed like lemmings determined to reach their fated destination.
    The rain ceased and heat and humidity returned by early afternoon the next day, a Sunday. Creeping through Sturgis behind a seemingly endless line of Harleys, I finally made it to the Full Throttle Saloon, where I was supposed to meet John, Randy and Mark. I looked throughout the grounds, booths, pavilion, bars and port-o-pots of the Full Throttle, but didn't find my Indianapolis biker buddies. I crossed the street to the Glenco Campground, where they were supposed to have a campsite. They had checked in, as had 8,000 other campers who had paid the $100 fee, which Glenco charges whether you stay one night or all month. I snuck past security and hiked all over the sprawling grounds looking for my friends, but gave up after a couple hours of fruitless searching. No answer to my cell phone calls.
    I spent the rest of the day and evening trying to enjoy the Fellini-esque parade of bikers and "bitches" in their costumes of leather, blue jeans or buckskins with accessories of doo rags, ear rings, tattoos and pony tails or shaved heads. But I found myself alienated from the great congregation of tricked out bikers. I felt like a Christian in Mecca during Ramadan, or a Cathar-heretic during the Inquisition. While I could talk the talk and walk the walk, I just couldn't get into the performance art of it. I left my biker leathers at home, and was walking around in sandals, trekking shorts and a t-shirt bearing the logo of a climbing-gear company. Although leather-clad bikers like to think of themselves as rebels, their politics and cultural values tend to be extremely right-wing (except with respect to nudity, pornography, drugs and hard rock ‘n roll). Looking like a tree-hugger, I worried that I might be suspected of opposing global warming or advocating gun control.
    To escape the Sodom & Gomorrah of Sturgis, I drove out to Devils Tower, Wyoming in the early evening and stopped in Sundance on the way. The county fair rodeo was going on just outside of Sundance, and it was a joy to see the clean cut enthusiasm of the kids in their roping and riding contests. At a restaurant in Spearfish I chatted with Biker-for-Christ Don, who'd brought his 16-year old son to Sturgis to help witness to the godless hordes. They were dressed in typical biker uniform and Dad had the tattoos and accoutrements of the serious biker. I didn't despair of their ministry, because bikers are drawn to expressive affinity groups, but suggested they time their services to be late enough that hangovers had passed but earlier than when the serious substance abuse of the evening would commence.
    Refreshed by a break from Sturgis, I made another attempt to locate my friends at the Full Throttle. Alone and forlorn I stood on a table, while Joan Jette and her band belted out hard, but good-time rock and roll. While scanning the crowd for my wayward friends, I was forced to endure the view of an amazingly sculpted stripper who slowly rotated about on the mechanical bull in the middle of the grounds, while surrounded by chest-thumping and hooting bikers. After midnight I headed back to a rest area on I-90, just east of Sturgis and fell asleep once again in my car.
    The following day I drove up to Mt. Rushmore and spent an hour or so hiking around the grounds and not seeing the presidents because of fog. I pitied and feared for the hundreds of bikers that rode through the fog to see more fog at the end of their ride to the Park, but thankfully I saw no wrecks.
    During a late breakfast at the 1880 Keystone House Family Restaurant in Keystone, while studying my maps, I had an epiphany. Sturgis was no different than Daytona’s Bike Week without a beach; it was largely a larger version of other biker gatherings I’d experienced – macho exhibitionism, sex, drugs and rock & roll. I no longer fit. For me, it was a bridge to nowhere. To make this adventure meaningful, it would become a pilgrimage. I would go to Wounded Knee.
    An ancestor of mine was the only cavalryman killed in the "action" at Wounded Knee. My journalist Mother wrote a story for our hometown newspaper, The Goshen News, in 1977 about our ancestor, Lt. James DeFreese Mann, because she attended, as a representative of the family, his "Last Roll Call" -- the 100th anniversary of his graduation from West Point. I had recently re-read her article while perusing the family scrapbook during a visit with Mom.
    I find it both intriguing and perverse that I have an ancestor who managed to get shot, possibly by friendly fire, since the Sioux weren't doing much shooting, in one of the most notorious events in the sad history of the conquest of the Plains Indians by the U.S. Army. (Another ancestor is Cotton Mather of the Salem witch hangings infamy, but at least he had the compensating distinction of being a famed scholar, preacher and educator.) I don't pretend to know a lot about the Indian Wars generally or the Wounded Knee massacre specifically, but my Mom's article quoted from contemporary reports about the events of Dec 29, 1890, and Lt. Mann was even interviewed by reporters while he was dying from his wound. He claimed that the "Bucks" shot first and then the soldiers "poured it into them." Whoever shot first, the result was that the federal soldiers killed 300 Oglala Sioux, mostly women and children. As far as I know, no one from my family has made a pilgrimage to the place where our ancestor was shot while participating in the massacre. Perhaps a pilgrimage to Wounded Knee by Lt. Mann’s ancestor would qualify as some sort of atonement.
    Traveling through the Badlands National Park and the reservations of the Lakota, Oglala and Rosebud Sioux, one must be struck by the inhumane and cruel-joke of the government to have "reserved" this land for the Sioux people. While there is a stark beauty to some eyes, The Badlands are one of the most inhospitable areas in North America to human existence. The landscape is harsh, grim and the heat oppressive. And the cruel joke continues. State Road 40 is a rough but decently paved and maintained road angling southeast from Keystone toward the Pine Ridge Reservation. When it becomes a BIA (Bureau of Indian Affairs) road, it ceases to be paved. My poor Sebring endured 40 miles of gravel across Pine Ridge before reaching the Badlands National Park Visitors Center and pavement again.
    The ranger at the Visitors Center told me that I might be disappointed visiting Wounded Knee, because "there's not much there." There is certainly truth in his statement, but then, there is not much there throughout the Badlands.
    On the east side of the road at the site of the massacre were a couple forlorn booths with handcrafts for sale. An old man slept at one and a couple kids played in the dirt by the other. On the west side of the road is a white circular building containing mostly posters and propaganda for AIM (American Indian Movement). There are testaments to Russell Means and Leonard Peltier and the demonstrations, minor insurrections and violence perpetrated against and by AIM. There was surprisingly little information about the history and events of the 1890 massacre. On two hills behind the building are two small cemeteries. I looked around both, but didn't see any monument to the massacre. I asked, and a Sioux man pointed toward a fenced area of about ten by six feet back in the closest cemetery to the AIM building. Within the fenced area is a six-foot high granite monument with names of victims and a description of the massacre. (Although my Mom's article said 300 of the 350 Sioux at Wounded Knee were killed, I counted fewer than 40 names on the monument.) A few token offerings were scattered around the base of the monument.
    I placed two stones on top of a steer's skull at the base of the monument as my offering of symbolic atonement. I had purchased the rocks for $1 each from a group of Oglala kids at the intersection of two gravel roads on the reservation. Their Dad told me he wanted to “encourage entrepreneurship” among his kids. I stood alone by the monument and looked back across the road where the Sioux had camped under the leadership of Chief Big Foot, who was known as a man of peace. I prayed for the souls of the Indians who were killed there; and for all the other Indians who were killed to allow the western expansion of the USA; and for the sins our nation has committed against Red people and Black people in becoming the colossus it is; and that we Americans today will live up to the great principles of individual freedom and equal opportunity we profess; and for the soul of my ancestor, James DeFreese Mann, who spent 13 years of his life fighting in the Indian Wars for a cause in which he firmly believed, and who left a young widow and child at Ft. Riley Kansas, where he was temporarily buried before his remains were transported to Arlington Cemetery.
    Back in the AIM building, I made conversation with the middle-aged woman sitting behind a counter. No other visitors entered the building while I was there. I overcame my hesitation and told her about my ancestor's participation in the massacre. She evinced no hostility and only mild interest. She didn't know that a cavalryman had died in the action, but thought she recalled reading the old newspaper accounts that quoted Lt. Mann. She said the way the Center got most of its materials was from "people like me giving them stuff." I told her I'd try to send a copy of my Mom's article. (Another broken promise by the white man.) I donated a few dollars after being pestered by her son for a contribution to a fund for his baseball team. I felt gouged but also paid $20 for an AIM T-shirt.
    When I left the Center I started to drive into the town of Wounded Knee and was confronted by a hand-painted sign on poster board stuck on a rusted metal chair by the side of the road, "Drive Slow Stop Killing Our Children." The town had the depressingly ramshackle look of other Reservation settlements I'd seen. I made a slow U-turn at the first drive and then headed south to pick up US Highway 18.
    I drove old State highways most of the way home; US 18 across South Dakota, State Road 3 across Iowa, and US 150 across Illinois. And I finally got to use my tent and sleeping bag camping on the banks of the Missouri River at Snake Creek Park in South Dakota, Beeze Lake in Iowa, and Kickapoo State Park in Illinois. Ripping along the two-lane blacktop with the top down and then performing the rituals of setting up and taking down a tent in the great outdoors filtered the vestiges of alienation out of my system. I spent a delightful evening in Hampton, Iowa, taking in a Dixieland concert by a local group on the town square across from the courthouse. The easy grace, friendliness, and middle-American prosperity of the folks in Hampton are Exhibit A to counter the pundits’ contention that small town America is dying.
    I don’t claim that my little spontaneous pilgrimage was in any sense an act of redemption. My ancestor thought he was fighting on the right side of a war. It is hard for me to see things from his point of view, but I accept that he thought his side was in the right. But on the way back home to Indiana, I found myself wondering whether America would try to understand “the other” before we begin another war. We certainly didn’t in the invasion of Iraq. Do we have a deeper understanding of the people we are fighting in Afghanistan and Pakistan? I pray, futilely, I know, that our descendants will not need to make pilgrimages to atone for more massacres.
    What I sought in Sturgis was not there for me. I am no longer a biker, and felt more like a voyeur than part of that community. I was the other. But I found something else in my spontaneous pilgrimage and drive across the Midwest. I found a bridge and crossed it back into the dark past of my ancestors, who killed and herded the Natives of America into reservations. And I found that I still feel connected to communities like the one in which I grew up; small Midwestern towns and cities with folks friendly enough to invite a stranger in for pizza, where teenagers play in the ole swimming hole, and a band plays in the town square on a Saturday evening. Despite living in cities like London, Chicago and Indianapolis since I was nineteen, small-town middle-America still welcomed me as one of its own. It was not what I sought, but it was what I found on my way back home.

    Jeff Rasley is the author of "Bringing Progress to Paradise," a book about combining adventure travel with service work in Himalayan villages. Contact the author at http://www.jeffreyrasley.com






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