5 Auto Car Insurance Discounts For Good Drivers

car woman driverAuto insurance companies use statistics to predict a driver’s likelihood of getting into a car accident, and then set their rates accordingly. However, if you know what you’re doing, there are a variety of ways a good driver can get steep discounts on car insurance coverage. When you’re dealing with insurance companies, perception is the most important aspect of scoring a good rate.

Though it’s impossible to say that speeding and running a red light occasionally won’t happen at all, there are still a host of ways that you can save money on your car insurance by coming across as a more conscientious driver.

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Why Stop Receiving Junk Mail? 4 Types of Junk Mail I Actually Like Getting

junk mail boxIn another recent article here on Money Crashers, we offered some suggestions on how to opt out and get less junk mail coming to your house. You can even use websites like Catalog Choice to stop junk mail. I think the reasons for blocking junk mail are sound, and probably smart, except… well, I like junk mail.

I’m also the guy who likes to watch infomercials and listen to the full spiel of telemarketers when I have time. I have yet to participate in a telemarketer’s pitch or fall for an infomercial deal, but I still enjoy hearing what they have to say. Similarly, my dad has a hobby of trying to get telemarketers to hang up on him by asking all kinds of questions they can’t answer about the product. Maybe it’s one of those weird genetic things.

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The Real Cost of Using Credit Cards – Other Than Interest Rates, APR & Annual Fees

upset woman credit cardsFor many people, credit card debt becomes just another burden they feel they have to bear. They become complacent, continuing to carry balances throughout their working lives, and into retirement.

How do you get to the point where credit card debt is just a fact of life? One answer to this question lies in the bills themselves.

When carrying debt, most people look at the obvious numbers to determine what they’re paying to maintain them. The basic arithmetic of interest rates and annual fees can lull you into a false sense of security. If you never look beyond these numbers, you never have to face the true impact your debt is having on your life.

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Top 6 Places to Buy Natural Green Organic Cleaning Products & Supplies

organic cleaning productsThe word “organic” is typically synonymous with “expensive.” Organic cleaning products are no exception, often costing more than twice their traditional counterparts.

But I have allergies, and after reading about the upper respiratory problems that can come from breathing in bleach and formaldehyde in regular household cleaning products, I didn’t want to subject myself to unhealthy chemicals anymore. Plus, I like knowing that green cleaning won’t poison fish, pollute water sources, or put my household pets in danger.

So, what’s a frugal girl to do? Find ways to get organic cleaning products for cheap. Turns out it’s easy, if you know where to look.

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Debit & Credit Card Skimming Fraud – How to Avoid Card Skimming Devices

credit card scam skimmingI can vividly remember the day last summer when my wife and I were walking into a movie at the theater when I received a phone call from an unknown number.

I decided to listen to the voice message before we went in for the show. As I heard the words “your bank account has suspicious activity on it,” I got a little worried but figured Bank of America simply didn’t like one of the transactions we had made earlier.  So, I quickly took a look at our checking account transactions on the Bank of America iPhone app. That’s when my stomach shot up into my throat and my heart started racing. I saw two $1,000 deductions from our account for a shady sounding website that we definitely didn’t buy anything from. Our bank account had been compromised, and we were devastated.

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9 Green Energy Tax Credits for Home Improvement & Energy Efficiency

You probably know that you can save money on your utility bills go green tax creditsby making your home energy efficient. But you might not know that many energy-efficient upgrades can reduce your taxes as well.

In fact, there are a range of federal tax credits available that run the gamut from installing a geothermal heat pump to installing new insulation. If you’ve recently made improvements to your home, or are considering it, check the list of available tax credits and make sure to claim the ones you qualify for.

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Sick at Work? How to Prevent Germs From Spreading in Your Office Cubicle & Desk

germs in cubicleHave you ever given much thought to your cubicle at work? If you’re like most people, the answer is probably “no.” You go to work, do your thing, and then come home.

Well, that desk you sit at and eat at every day is probably one of the germiest, dirtiest things you come into contact with on a regular basis. Think I’m kidding? According to Discovery Health, the average desk contains about 400 times more germs than a toilet seat.

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What is a Netbook vs. Laptop Computer – Pros and Cons of Netbooks

netbook computer girlMy laptops have the habit of crashing repeatedly, year after year.

Freshman year of college, I learned to back up my files the hard way when my computer died and I had to send a panicked email to ask friends in my classes for their notes.

Sophomore year, my laptop had a really loud fan that was expensive to fix. It overheated in a matter of days afterwards.

Junior year when the BSOD (blue screen of death) appeared once again, I was done with laptops.

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5 Home Improvement & Repair Scams to Watch Out For – How to Find the Best Contractors

contractors hard hatsIf you’ve ever hired a contractor for a home improvement project, then you know how confusing it can be. Project estimates can vary wildly, and each of the contractors seem so sincere when they tell you that their price and service is the best.

While most are honest, good-intentioned businesspeople, you do need to be wary of home improvement scams. Scams have always existed, but they’re becoming so commonplace as the economy worsens that even primetime television networks, such as Dateline are calling attention to them. What’s worse is that oftentimes these scammers target the most vulnerable – senior citizens – because they generally are more trusting than others.

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What Are Blue Chip Stocks – Investing in Stocks That Pay High Yield Dividends

blue chip stockIf you polled a group of investors as to which stock type they felt was the safest investment, the majority would likely reply, “blue chips.”

You might respond, “Hmm, interesting.” But you might be thinking, “What the heck are blue chip stocks?” Well I’m glad you asked.

In this article, I’ll go over what a blue chip stock is exactly and provide tips on how you can safely invest in them and maximize your return.

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