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Cars are more complicated today than ever before. Most systems in your car are computerized and need specially trained mechanics to deal with major repairs. But that doesn’t mean that you should give up on the notion that careful car maintenance will help keep your vehicle looking and running well, and, more importantly, out of the repair shop where the charges are usually going to be higher than you would like them to be. The most important thing you can do regarding your car’s safety and longevity is to read your owner’s manual and find out when your car should be brought in for scheduled maintenance. It’s always better to spend some money on a regular basis, than to wait for something to go seriously wrong. It’s also a lot better to be safe than sorry… …But there are also things that any car owner can do on his or her own. Unfortunately, most people overlook some of the simple things they can accomplish in their own driveway or garage, with a little time, a modicum of elbow grease and an assortment of simple tools. So, if you want to save money and extend the working life of your vehicle, […]
Budget… …The very word sends shivers down the spines of even the most competent people. “Live within your budget,” is the rallying cry for all husbands and wives, congress people and senators, bosses and financial advisers. There’s the household budget, the national budget, a budget for every business and organization. Nobody wants to deal with budgets, yet everyone knows they have to, sooner or later. So why should the concept of budgeting money be so filled with fear and loathing? It really shouldn’t. Stripped of all its emotional baggage, a budget is simply a way of showing how much money is coming in – to a home, a business, or a government – and how those funds are being spent. A budget is merely a tool. But it’s an important tool because it’s essentially a road map for building a successful financial future. A budget is a plan for getting the most out of one’s money. And regardless of your age, your economic condition, or your occupation, creating and managing a budget will give you a sense of control over your money, and by extension, your life. If you haven’t created a budget yet, there’s no better time than now. […]
Thanksgiving is less than a month away. But that doesn’t mean there’s time to waste. If you really want to enjoy the holiday, don’t wait until the last minute to get ready. Whether you’re hosting your family’s festivities for the first time or you’re a Thanksgiving Day veteran, it pays to plan ahead. Here is an outline of things to think about and get done in advance, so that you have everything ready for your festive meal: Plan the Gathering What type of gathering do you want? Will it be just for family, or you going to invite friends? If so, how many people can you accommodate? Do you need to take care of out-of-town guests, or will everyone be local? Will there be kids? Will it be a whole day affair or just a meal? Will it be a sit-down dinner or a buffet-style lunch while the football game is on? What time do you expect to eat? These and other questions like it are the first ones you need to address, so that you have the makings of a clear battle plan. Once you’ve figured out the number of people you’re going to invite, and who they are, […]