Tips When Seeking Your Automobile Extended Warranty

You may have heard that "research is critical" when it comes to purchasing an extended warranty for your automobile. Sometimes auto extended warranties are depicted in a negative light because of a few scam artists looking to capitalize off peoples' concern for their investments.

A recent Consumer Reports study recommended that people buy highly rated models only and that they invest in Money Market accounts to save for repairs, rather than invest in a warranty. However, if you tend to incur a good number of auto repair bills, if you plan on keeping your car more than three years and if you drive your car over the recommended 12,000 miles annually, then you are a good candidate for the extended warranty program .

Dealerships know that consumers trust them, by nature. An establishment that deals with billions of dollars in sales each year could not possibly rip you off over a technicality like the extended warranty, could they? Well, maybe they do not mean to rob you blind, but think of the dealership as a retail operation.

If you've ever worked in retail, whether it's clothing, furniture, consumer gadgets or automobiles, then you know that retailers mark up the cost of their items anywhere from 100% to 1,000% of the cost value! Now imagine how much extra you could be paying for your extended vehicle warranty. Do not be afraid to go directly to the source and purchase your warranty online from a trusted company like Warranty Direct.

Another factor to consider is auto warranty for "wear and tear." This type of warranty can be hard to find, since many only cover mechanical failure. However, you can definitely find extended warranty coverage that includes "wear and tear," thereby covering parts like the idler arm, piston rings, U joints, CV joints, wheel bearings, motor mounts, suspension bushings, tie rod ends, seals, gaskets and other engine parts that typically wear down and may or may not cause a mechanical breakdown.

If you have an anti-lock braking system, then you'll want to make sure your coverage extends to ABS and instances of overheating. The comprehensive website, carbuyingtips.com recommends Warranty Direct and Nation Warranty Corporation, which both include "wear and tear" in their plans.

The most important thing is that you do not feel rushed or hassled into securing the extended warranty for your car immediately. Most auto warranties allow you the option of buying later; yet of course, you should only delay as you research, rather than allowing enough time to elapse so your car is a liability. Like with health insurance, it's much harder to get coverage once problems arise.

As with anything, the extended auto warranty is a "buyer beware" scenario, but if you do some homework and understand your auto habits, then the couple of thousand you pay today can save you a small fortune tomorrow.

Web Hosting Options for Small Business

It seems that so many times it is hard for the little guy to get a leg up in the business world. Every supplier or service that you talk to is only interested in catching the larger fish and is totally disinterested in you. When it comes to finding a web host for your website it can often times be no different sometimes. Sure they have service plans that you can cut costs with but how do you know just what you need to get by.

There are a few simple rules to follow if you are in the market for a budget web hosting plan that at the same time does not leave you empty handed on the essential services that you will be needing from time to time. If your website is less than one-hundred pages and does not have any data intensive components such as streaming videos than you can get by with the bare minimum amount of bandwidth and gigabytes of memory and that means a basic plan for about $ 5.

If you have more than one-hundred pages and or your pages are heavy laden with text and photos then you may want to take the option of shared web hosting for about $ 10 which is going to give you more bandwidth and memory. That is what you will need for the bare bones basic web hosting service if that is all that you need. You have to bear in mind though that what you are going to be doing with your website also has to be considered.

For instance; if your site is just for reference purposes that is supporting a non Internet business in your community then you can still get by with the low cost basic web hosting service. If however your business is an Internet business that changes the picture considerably. This is because, unless you are marketing a product that only you have and no one can live without, you will be in competition of untold numbers of other people on the Internet.

This then means that you are going to have to engage in some level of website promotion or SEO which stands for search engine optimization. If you do not, then every time that someone types in the keywords to look for what ever it is that your website is selling you will be the last in line with regards to prospective sellers.

SEO can be approached two different ways with regards to a prospective web hosting service. The first way is to just pay them to promote your website and do the SEO for you but it is going to cost you.

The second way is to learn about SEO and then do it yourself. If you are going to do it yourself you will need to learn what basic tools you will be needing your web hosting service to have available. SEO is not overly complex but you do have to know what you are doing or all of your best efforts can be a waste of time.

Credit Card Debt Consolidation – The Hidden Dangers

Credit card debt consolidation sounds great, pay off high interest bills, but credit card debt consolidation has hidden dangers that you must be aware of before you proceed. Drowning in debt can be frustrating and anxiety filled but make sure the relief you seek is truly beneficial to you, let’s discuss what to watch out for.

Credit card debt consolidation loans offer the ability to swoop in and pay off your high interest card debt, allowing you to apply more of your payments towards your balance owed and seize control of your finances back from your creditors. It seems like an easy choice on the surface, and in most cases it is beneficial but there are some common financial traps you must avoid if you get a consolidation loan.

Remember that your new loan is just that, a loan, with financing fees and charges for the approval of your new consolidation loan. This in and of itself is normal, but be wary of companies that charge very high financing charges for the privilege of your loan. You may be reducing your rates with the new loan but there is no reason that you should pay more than you have to finance your consolidation.

Many credit card debt consolidation companies will offer to negotiate settlement of your debt on your behalf with your creditor. What this means is they will negotiate with your debt holder to have a portion of your debt forgiven in return for an immediate pay off of the remaining amount with the consolidation loan. This is very commonly accepted by credit card companies for delinquent accounts as they would rather write off the debt and get paid a little than risk your bankruptcy and non payment in full.

If you choose to settle your credit card debt, simply be aware of the tax ramifications for doing so, forgiven debt is typically looked upon as income come tax time with the IRS. For large settlements you might wish to seek the consultation of an accountant or tax attorney in order to receive a professional consult for your situation.

Also be aware of the affect settlement and consolidation will have on your credit score. You may already have bad credit, and are not in the process of rebuilding yet, then this won’t concern you much. Settlement of your debt has a negative impact on your credit score, and can take years to rebuild from.

Lastly, always be sure to work with a reputable and trusted online credit card debt consolidation company. There are many services fighting for your business, some promise more than they can deliver. There are companies that have earned their trust over many years through hard work and service to people just like you, stick with them for your next consolidation loan.

Family Tree Creation: Reasons To Create Your Own Family Tree

What is the purpose of family tree creation? Why would you set out to create a family tree, or even write the genealogy of your family?

For a lot of people, the answer is simple. They want to know where they are descended from. They want to know who was in their family before them and what those people’s lives were like.

But what more can family tree creation mean for you?

Surprising Information

Other than just satisfying the curiosity about your roots, you could stumble on to information that could change your life. Some of the greatest discoveries about people have been made in the process of finding out their family tree. People discover inheritances that were left for them, or family treasures, which they would otherwise never have known about had they not started to look into their family’s past.

A lot of people also discover great stories. Some of these stories have been published and have earned the authors a great deal of money. Alex Haley wrote the biography of Malcolm X, but that’s not what brought him into the limelight. He became famous when he took time to research 7 generations back into his family; he discovered great stories of how lives were lived, how hardships were overcome and successes made. When he wrote Roots, it was an instant hit; people like to read true stories of people who came before them because it validates their existence today.

There is nothing to stop you from doing the same. Perhaps your family tree creation project could turn you into a millionaire too! Each family, each person in your family, had a unique life that’s worth telling about if you can craft it in such a way as to make an interesting read.

Science and Medicine

Family tree creation is also a valuable scientific asset especially when it comes to researching genetics and diseases. There are particular diseases that seem predominant to very small sections of the population, and research into how these people are related, which has been done using family trees, has shown certain groups to all be descended from one gene. In terms of looking for cures, it narrows the scope so that scientists are able to isolate a single gene and deal with it if, for example, they were looking to cure or understand a disease.

Criminology

In criminology, it’s been found that some serial killers have a violent gene that runs ways back through the family lineage. If you have someone who is particularly errant in your family, you might want to trace your roots and learn about the lives of the people in your family who came before you because it could help explain why this particular person is the way they are – there may be people in your family tree who suffered similar problems and it would help to know this as you look for a solution.

Your Legacy

Family tree creation is also a way of leaving your own legacy behind for those who will come after you. There is no better gift to the next generation than handing them their genealogy: they will know from whom they are descended and somehow, this seems to give people a certain satisfaction. If you can put your family tree together for your kids or grandkids, it’s a perfect gift that they too can add onto and then pass on to the next generation – it means that no one in your family will ever go un-noted.

There are all kinds of ways in which family tree creation and writing your genealogy can be of benefit; it’s worthwhile spending the time recreating your family’s history because, unless you do, you will never know what wonderful stories are waiting there for you!