How To “Pump” Money Back Into Your Pocket. Gas Money Saving Tips.

by: Dmitry Popov

With Gas prices around $2.60 dollars a gallon, how would you like to get 15, 20 or even 35 cents off each gallon you buy? At www.pumpandsave.com you can learn gas saving tips, compare and apply for great offers and save Big at the Pump each and every time.

Here are few tips from www.pumpandsave.com:

1. Stay within posted speed limits. The faster you drive, the more fuel you use.

2. Use overdrive gears. Overdrive gears improve the fuel economy of your car during highway driving.

3. Use cruise control. Using cruise control on highway trips can help you maintain a constant speed and, in most cases, reduce your fuel consumption.

4. Anticipate driving situations. If you anticipate traffic conditions and don't tailgate, you can avoid unnecessary braking and acceleration, and improve your fuel economy by 5 to 10 percent.

5. Avoid unnecessary idling. Turn off the engine if you anticipate a lengthy wait. No matter how efficient your car is, unnecessary idling wastes fuel, costs you money and pollutes the air.

6. Combine errands. Several short trips taken from a cold start can use twice as much fuel as one trip covering the same distance when the engine is warm.

7. Remove excess weight from the trunk. Avoid carrying unneeded items, especially heavy ones. An extra 100 pounds in the trunk reduces a typical car's fuel economy by one to two percent.

8. Keep your engine tuned. Studies have shown that a poorly tuned engine can increase fuel consumption by as much as 10 to 20 percent depending on a car's condition.

9. Keep your tires properly inflated and aligned. Underinflated tires cause fuel consumption to increase by six percent.

10. Change your oil. Clean oil reduces wear caused by friction between moving parts and removes harmful substances from the engine.

11. Check & replace air filters regularly. Your car's air filter keeps impurities in the air from damaging internal engine components. Clogged filters can cause up to a 10% increase in fuel consumption.

12. Buy only the octane level gas you need. Remember, the higher the octane, the higher the price. Check your owner's manual to determine the right octane level for your car.

13. Own a fuel efficient vehicle. The difference between a car that gets 20 MPG and one that gets 30 MPG amounts to $1,500 over 5 years.

And here are the top best ranked Gas Credit card offers. You can easily compare the offers and choose the best gas cards at www.pumpandsave.com

· Gas credit cards will SAVE you money if you use them correctly.

· Discover® Platinum Gas Card consider to be the BEST overall Gas credit card. You can get up to 5% Cashback Bonus® on gas purchases & up to 1% Cashback Bonus® on all other purchases. Here is the best part you can DOUBLE your Cashback Bonus® when you redeem for gift cards or certificates. The APR starts off as low as 7.99% and it's easy to get approved! Get introductory 0% APR for 12 months, too.

· If you carry a balance or need to make a balance transfer, the Chase® Cash Plus Rewards card gives 0% APR for up to 12 months on both. Plus, get 5% cashback on ALL gas purchases.

· If you use Hess for your gas, use the Hess® Card from Chase. Get a full 10% cashback at Hess for 90 days, then 5% lifetime at Hess. Get 1% cashback everywhere else. The most popular station specific card.

· If you have Excellent credit, the Citi® Dividend Platinum Card gives you 5% cashback at all gas stations, supermarkets, and drugstores. A great way to save money on everyday purchases. Students can also get 5% cashback with the Citi® Student Dividend Card.

· We have found a list of all the best gas cashback credit cards.


About The Author


Dmitry Popov- the founder of www.pumpandsave.com- on line portal for the web users to learn money saving tips, compare offers and apply for the top performing gas crdedit cards to save money on high gas prices.

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Labels: bill consolidation, cash loan, debt consolidation, loan

Posted by dian, Friday, August 3, 2007 12:48 PM | 0 comments |

A Debt Checklist

by: Dave Wilder Jnr
A Debt Checklist is the only sensible way to organize and control your finances. Most people aren't actually aware quite how much debt they possess - in fact, a recent survey found that almost 75% of UK adults were up to £5000 out when asked to estimate their non-mortgage debt. They weren't much better when asked to produce a cashflow statement showing how their hard earned cash was being spent each month! A Debt Checklist is a plan you can use to get a grip on your finances, and will allow you to understand in black and white, where savings can be made, and how debt can be tackled most effectively.

Obviously, you will have a savings account. If you DON'T, go open one now. Choose a large, reputable bank or loan company so you won't have any problems getting access to your funds when you need them.

Secondly, you need to cut back on your credit card spending. Credit card companies do everything they can to encourage you to spend, and even more to try and cajole you into only paying off the minimum each month, making credit cards the MOST expensive way to borrow money you are ever likely to come across. If you find yourself paying for 'small' items with a credit card, you are asking for trouble. Not only will you be that annoying person in the front of the grocery queue at Walmart paying by card, but you will also rapidly lose ANY idea of what you have spent, and where. Debit cards are SLIGHTLY better than credit cards for these small purchases, but not much - you will still face a terrible temptation to spend more (up to 50% more than paying by cash, if recent surveys are to be believed!)

You MUST pay more than the minimum payment each month - if you don't your debts will be around for a LONG time! It can take over 20 years to pay off a measly $1,000 credit card bill if you simply pay the 2% minimum each month. At the end of this, the interest payments you have made will FAR exceed the original debt! And that, of course, is how credit card companies afford those swanky downtown offices.

If you have dependents, you need insurance. It may seem like an extra cost right now, but believe me, it is 'Murphy's Law' - if you don't have it, you will need it imminently! Auto insurance, Mortgage Payment Protection, house insurance and life insurance are a basic set you need. This point is related to pensions, too. Start as early as you can. If you don't have a pension plan now, start it immediately. The tax advantages just can't be missed. And the earlier you start, the sooner compounding has a chance to work it's magic. And compounding is the secret that will determine if you have a comfortable retirement, or live in a shack, eating beans. And don't try and kid yourself you won't make it to old age - bet you will, and bet you will be surprised how expensive everything is in 30 years!

Read up on money, and money topics. If you understand how cash works, the chances of getting into serious debt decrease dramatically. I'm not saying you have to read the Wall St Times, but an understaning of interest rates and compounding won't hurt.

That's about it for now - Get saving!

About The Author
Dave is a freelancer who contributes to www.NoDebtEver.com the free get out of debt fast site

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Labels: cash loan, debt, loan

Posted by dian, Friday, May 11, 2007 1:15 AM | 0 comments |

Manage your debts by consolidate your personal loans in to one

by: Gracy Parker
There are many people who are literally struggling with their debts. They have borrowed lots of loans and used credit cards to the maximum possible extent. You might find yourself in a financially dire condition. Now it is hard to pay off your debts. Your credit record is on the verge of getting dented. Would you prefer a single monthly lower payment? Why are you not considering about personal debt consolidation loans so that you can consolidate all your loans into one manageable monthly payment?

There are numerous benefits of a personal debt consolidation loan:

• You can consolidate all your loans , credit cards and store card bills into single affordable monthly payment rather than multiple payments

• Your current monthly interest rates will be lower

• After every monthly payment you will find yourself being relieved from your debts

• You will get relief from late fees and debt penalties

• Homeowners can get still cheaper interest rates by securing their property

• Your credit scores will keep on improving with every loan repayment

If your credit history is affected by County Court Judgements, bankruptcy, arrears on payments or defaults, you can avail bad credit debt consolidation loans. Such loans are specifically designed for those who have a bad credit history.

As debt consolidation loans are gaining popularity, more lenders are trying to put their hands in preparing alluring loan package deals. You can find them on their websites. There is a huge competition among lenders to offer a modest loan package that suits the needs of borrowers.

About The Author
Gracy Parker
The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Debt Consolidation Park as a finance specialist. For more information please visit: http://www.debt-consolidation-park.co.uk.

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Labels: cash loan, debt consolidation, loan

Posted by dian, Monday, April 16, 2007 3:30 AM | 0 comments |

Debt Consolidation vs. Debt Settlement

by: Nancy Smith
When you realize that you have a debt issue going on, you have several options to choose from: do nothing, create a budget, seek credit counseling, get professional debt consolidation help, opt for debt negotiation & settlement help from a specialized company or file for bankruptcy; this last option should always be considered as the last alternative in mind because of the consequences brought upon as result of it.

However, if you are looking to release yourself from debt, you should define your plan towards the following goals: lowering the amount of your debt, getting on a fixed payment plan that is comfortable for you and making sure your credit rating improves as result of this process.

First, you should know the differences between:

- Debt consolidation &
- Debt negotiation and debt settlement

Debt Consolidation and Debt settlement has its advantages and its disadvantages. Nevertheless, they both have one main objective in common, to free the consumer from debt.
Remember, it is very important to completely understand how every step of the process works in order to know which to apply to.

In debt settlement, negotiations take place with the creditors. A debt settlement companys main goal is to convince the creditors to give up a share of the money owed by the consumer.

Here is an example to further clarify this process: lets suppose that a friend of mine, James, borrowed $1600 from me. After a while, when I told him to pay me my money back, he said, “Nancy, I only have $700, would you settle for those $700 upfront and forget about the remaining $900. Occasionally, creditors take these type of offers into consideration because sometimes it is more expensive and time consuming to recover the rest of the money. So, its worth it to stick to what the consumer offers in order to settle the account.

Although at first, this seems like the best of all opportunities, it also has negative consequences:

- It will appear on your credit report for as long as 7 years, as a negotiated and settled debt, so any future creditor will check for this info, and that, could avoid you from getting any future credit or loans
- All future creditors will understand this as a warning that you did not fully pay your past debt.

So the question is, “When should you choose debt consolidation or debt settlement?”

- People that have pending balances with several creditors should choose debt consolidation
- However, if you are in a great amount of debt, do not see any possibility of repaying those accounts off, and taking bankruptcy into consideration, then you should opt for debt settlement.

Check these links to learn more:

http://www.bill-consolidation-and-debt-negotiation.com/consumer-credit-counseling/NJ-New-Jersey/Consumer-Credit-Counseling-NJ-New-Jersey.shtml


http://www.bill-consolidation-and-debt-negotiation.com/consumer-credit-counseling/NY-New-York/Consumer-Credit-Counseling-NY-New-York.shtml

About The Author
Nancy Smith is a contributing writer to http://www.bill-consolidation-and-debt-negotiation.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Debt Settlement Information and Debt Help Consultation, call toll-free 1-877-850-3328.

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Posted by dian, Sunday, March 18, 2007 5:31 AM | 0 comments |

The Basics Of Student Loan Consolidation

Records have shown that there are about 20% of college students who are using student loans to pay for their college education. This means that student loans are a great source of financial aid for students who are in need of financial assistance for their education. Unfortunately, students often leave college with debts that cause them huge burden



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Posted by dian, Tuesday, March 13, 2007 7:50 AM | 0 comments |

Best Student Loans Consolidation for Less

Student Loans Refinancing and Private Student Loans Consolidation



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Posted by dian, Monday, March 12, 2007 7:44 PM | 0 comments |
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  • How To “Pump” Money Back Into Your Pocket. Gas Mon...
  • debt consolidation and bill consolidation
  • A Debt Checklist
  • Manage your debts by consolidate your personal loa...
  • Debt Consolidation vs. Debt Settlement
  • The Basics Of Student Loan Consolidation
  • Best Student Loans Consolidation for Less
  • My Debts Consolidation
  • consumer debt consolidation