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Avoid making these mistakes while buying auto insurance

Avoid making these mistakes while buying auto insurance

Auto insurance is mandatory, and one must buy or renew policies with every vehicle they acquire. The premiums and coverage vary between states, so you must compare and purchase policies accordingly. First-time buyers tend to make some common mistakes and end up with insufficient insurance coverage. Vehicle owners need to ensure their auto insurance provides adequate protection. Here are six such mistakes to be wary of while buying auto insurance. Failing to research Don’t buy insurance only based on the cheapest quotes you can find online. Not all policies will be beneficial as they will have varying coverage and limits. Use tools available for comparing the top insurance quotes for auto insurance. For example, Gabi is a dedicated platform recently acquired by Experian, one of the three premier credit rating agencies. The service locates the best policies online based on your coverage needs and allows you to switch to the new coverage hassle-free directly from their platform. You save time, money, and effort while getting better coverage. The Zebra is an alternative platform that provides similar third-party services for comparing best quotes. Paying only the minimum coverage All states mandate a minimum policy to be taken by drivers who own a vehicle.

6 useful tips for a DIY oil change

6 useful tips for a DIY oil change

Changing the oil on your vehicle may look straightforward enough. But often, the simplest tasks are the ones that can result in unexpected problems if you are not paying attention. Just investing in premium quality oil to keep the engine running is not enough; you also need to follow the proper steps to ensure there are no engine troubles arising from poor maintenance. Here are a few simple tips to get you started right. 6 useful tips for a successful DIY oil change Buy the right oil You cannot just use one motor oil for different vehicles. Note that motor oil comes in different forms of density and viscosity, each formula unique to the engine that needs servicing. So, before comparing the best brands to buy premium motor oil, check and confirm if it matches the engine and vehicle configuration. Your vehicle manufacturer will mention the type of motor oil suggested for the current make, year, and model. Do it step by step The first thing to do is use the correct size wrench and unplug the oil filter. You need to first unlock the pan screw and allow the old engine oil to drain. It is better to use a jack to lift up the car so that you have more space to work with rather than trying to fit under the vehicle when it is sitting level.

4 amazing used SUV options to choose from

4 amazing used SUV options to choose from

Shopping for cars has always been a task, and when it comes to buying used ones, the job becomes more difficult. SUVs are one of the best choices available, as they provide space, functionality, affordability, and reliability. Hence, it’s no shock that, slowly and steadily, SUVs have been rising to the top as one of the most bought car types in the country. Furthermore, buying a used SUV saves a lot of money. The best-used SUVs to buy One’s favorite car may depend on many factors, especially the choice between a rugged automobile that can traverse the country or a vehicle that suits both the countryside and the city. Hence here is a list of the best-used SUVs and their features. Chevrolet Equinox An extremely reliable SUV, this model reigns on top of the list. It’s extremely handsome and can be driven on any terrain with its 301 horsepower V6 engine. It can also be called an all-rounder as it brings Apple Car and Android Auto connectivity as a standard. Additionally, this automobile features 64 cu-ft of cargo space ( with the rear seat folded comfortably), can be employed to fit sports kits or a dozen shopping bags and is ideal for road trips.

4 party ideas for Xmas

4 party ideas for Xmas

Christmas is right on the horizon and it might be getting difficult for some of you to hold in your glee. After all, it is like the oscar of the festivals, there is some drama, some family time, some entertainment, and a lot of gifts and sweets. As much as we love keeping up the traditions, it doesn’t hurt to change things up a little. Here are a few ideas that can give you one more reason to celebrate the impending celebration Have a gift wrapping race Every year when the holiday season is around the horizon everyone gets busy shopping for gifts and then wrapping them. This year make an event out of it. Inform everyone beforehand so that you all can arrange cardboard or plain boxes and Christmas cards on time. This will help you keep things a surprise for the giftee and you can have a fun time seeing how lousy the packaging can get if there is a clock ticking in the background. DIY holiday cards If you’re looking for an activity that would keep everyone right from kids to grandparents occupied, this might be the one for you. Arrange a family day where you all sit around the table reminiscing about your older Xmas memories and your favorite things about the holiday season.

4 mistakes to avoid before buying an SUV

4 mistakes to avoid before buying an SUV

Buying a new car, like an SUV, is usually a major purchase decision. It is typically a one-time investment for many who do not plan to switch vehicles for a few years. This means that simply opting for the latest make and model is not enough. You must consider the necessary features based on your and your family’s needs. So, here are a few mistakes to avoid when buying a new SUV: Focusing on the exterior Major brands manufacture compact SUVs, mid-size SUVs, and even luxury SUVs that come with many features and upgrades, each usually better than its predecessor. However, you need to compare features and not just go for only the exterior build and design, as what matters more is the car’s performance, engine, and comfort. Going for unnecessary accessories Premium and luxury cars are already loaded with advanced features. So when buying a new SUV, do not overspend on extra upgrades that the salespeople may make you believe are crucial. Install what is essential as there is always room for upgrades later. Underestimating safety features Modern vehicles, especially SUVs, come with safety features that are a mandate in many states. Some of the crucial safety features you need to consider are automatic braking, stability control, airbags, and sturdier builds.

5 common mistakes that rookie truck drivers should avoid

5 common mistakes that rookie truck drivers should avoid

Beginning a new career, especially one that involves driving across the country, can be exciting. Truck drivers transport everyday essentials, whether it’s phones, clothes, or construction materials, making their job crucial for the functioning of businesses and households. However, many rookie drivers can make mistakes in their first few days on the job. Some such mistakes can cause significant damage to life and property. So, here are common lapses that rookie truck drivers should avoid: Going too fast Truck driving regulations in the country allow up to 20,000 pounds per single axle and up to 34,000 pounds per tandem axle, meaning the load can exert a lot of pressure on the wheels. Driving too fast may result in a loss of control and subsequent overturning of the vehicle or an accident. This is why it is best to practice caution while driving the truck, and remember that an accident can slow you down way more than driving at reduced speeds. Rookie drivers should be even more careful when going downhill, as downshifting and slowing down may become tougher in that stretch of road. Ignoring road signs One of the most common rookie truck driver mistakes is not paying attention to road signs.

Be wary of these common used car buying mistakes

Be wary of these common used car buying mistakes

Buying a used automobile comes with its risks and benefits. You buy cars for a lower on-road price and have the luxury of modifying them to your liking. But also, you need to verify every purchase-related factor as this is not a factory or dealership-sold vehicle. Also, it doesn’t matter if you are buying for the first time or have bought one before. Here are 5 used car buying mistakes to avoid. Not knowing your type of vehicle Not knowing what type of vehicle you need is one of the common mistakes to absolutely avoid. Don’t just browse the market and go for the cheapest deal. You should always start with a basic budget and compare automobile brands that offer vehicles for that purchase price. Also, price should not be the only determining factor as you must find a vehicle suitable for daily driving. For example, don’t buy a sports sedan when you actually should buy a large six SUV at that same price for family use. Not taking a test drive Used vehicles should always be taken for a long test drive. Remember, this vehicle has not come fresh from the factory manufacturing unit and is transported straight into the showroom.

Steer clear of these 5 mistakes when replacing engine oil

Steer clear of these 5 mistakes when replacing engine oil

All vehicles come with moving mechanical parts that grind against each other. Here’s where one needs to add oil to the engine and other vehicle components to ensure these parts move smoothly. However, engine oil can lose viscosity with time and must be changed regularly. But a person may make several mistakes when replacing the oil in a vehicle. Here are six errors to avoid to improve the lifespan of a vehicle. Not warming up the engine Engine oil at cooler temperatures might be sluggish when drained from the engine. This may increase the time it takes to drain the oil. What’s worse is that the liquid will not fully drain from the engine, and there will be residue still stuck in the engine parts. So before draining the engine oil, a person must start the vehicle and let it run on idle for about five to ten minutes. Idling the engine will bring the oil up to the normal operating temperature, ensuring it drains correctly. Putting back the drain plug incorrectly Most people are oblivious to how tight they should make the drain plug when they screw it back on. Some people leave it loose and end up staining the interstate and stalling halfway through their journey.

5 rookie mistakes pickup truck drivers should avoid

5 rookie mistakes pickup truck drivers should avoid

Pickup drivers, typically beginners, often find themselves navigating a learning curve filled with trials and errors. While owning a pickup truck can be exhilarating and practical, it comes with its set of challenges. This article explores some rookie mistakes pickup truck drivers should be mindful of to ensure road safety and their vehicles’ durability. By steering clear of these errors, novice drivers can enjoy a smooth and enjoyable journey with their pickup trucks. Overloading the truck bed One of the most common mistakes new pickup truck drivers make is overloading the bed. It can be tempting to pile on a heavy load, but exceeding the vehicle’s payload capacity can lead to dangerous handling, reduced fuel efficiency, and excessive wear and tear on the truck’s suspension and brakes. One should consult the truck’s owner’s manual to determine its maximum payload and adhere to it. Moreover, weight should be distributed evenly, and appropriate tie-downs should be used to secure cargo. Ignoring towing capacity Understanding and respecting the towing capacity is paramount for those who use their pickup trucks for towing. Novice drivers may attempt to tow loads that exceed the truck’s limits, jeopardizing safety on the road. To avoid this mistake, one should confirm the truck’s towing capacity and ensure the trailer and load fall within those limits.

6 mistakes to avoid while changing a Jeep’s oil

6 mistakes to avoid while changing a Jeep’s oil

Changing engine oil is a mundane yet essential task to improve a car’s performance, durability, and mileage. This is true for all cars, including Jeep models. Not changing the oil can cause the automobile to overheat, increasing maintenance and repair costs. Typically, Jeep SUVs require an oil change every 3,000-5,000 miles and 7,500-10,000 miles for conventional and synthetic oil, respectively. One must avoid making these mistakes while changing the oil in Jeeps. Using the wrong oil Using the wrong oil can cause significant damage to a vehicle’s components. It can increase the rate of wear and tear and result in substantial maintenance costs. Hence, customers must understand which type of oil to use and when. For example, since the oil tends to thicken during the winter, thinner oil works well. Similarly, one may use thicker oil during warm weather conditions. Individuals may use either conventional or synthetic oil in a Jeep. Synthetic oil is preferred because it is more refined and ensures better longevity. It also ensures better performance during extreme weather conditions. Experts say one must continue using the same type of oil and avoid mixing. Not considering the Jeep model one owns Jeep suggests using specific types of oils for its models.

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How SBA’s guaranteed loans are beneficial for small businesses

How SBA’s guaranteed loans are beneficial for small businesses

Running a small business during financially turbulent times can be extremely trying. But, monetary aid, specifically small business loans, can definitely make things easier for both the business and its employees. Funded and guaranteed by the federal government, 7(a) loan programs have been designed by keeping business-owners’ best interests in mind. Here are answers to some commonly asked questions regarding small business loans: What is an SBA loan? Loans by the Small Business Administration (SBA) are guaranteed business loans that are given to small businesses by participating lenders. Since these loans are guaranteed by the federal agency, they are much more manageable than those provided by private agencies. SBA loans also have the added advantage of lower interest rates. These loans are available in a broad range in order to suit specific business needs. You can get a loan that ranges anywhere from $500 to $5.5 million to fund your entrepreneurial adventure. Further, the loan can be accessed in the form of fixed assets or working funds. Types of SBA loans SBA loans are available in many types. Some of them include—SBA flagship loans, microloans, SBA disaster loans, and 504 loans, among others. Each of these loans comes with different funding criteria.

Benefits of investing in NNN properties for sale

Benefits of investing in NNN properties for sale

Long-term investments do not necessarily mean that your money becomes inflexible. Instead, you should invest in such a way that you can generate a steady income. To ensure this, you need to invest intelligently by aligning your portfolio to your investment goals. Furthermore, you need to ensure that your returns outweigh your risks. One of the surest ways to ensure this is by investing in NNN properties that are for sale. Continue reading to know more about NNN properties and benefits of buying them. What are triple net(NNN) properties? NNN properties are pieces of real estate that can be leased to commercial franchises or corporations. Here, the tenants undertake all operational and management responsibilities of the property apart from paying rent to the owner. No investment is risk-free; however, investing in NNN properties has proven to be a highly profitable venture for investors. To invest in NNN properties, you must have an accredited net worth of at least $1 million. This value is excluding the value of their residential real estate or $200,000 in income. Other investors who have lower net worths can invest in NNN properties for sale by investing in REITs or Real Estate Investment Trusts. Benefits of buying NNN properties for sale:

Four reasons why a reverse mortgage is not a sound idea

Four reasons why a reverse mortgage is not a sound idea

A reverse mortgage is a loan taken against the value of the home (equity) to meet certain expenses, debt obligations, and even supplement income during a financial crisis. It allows homeowners to convert a part of their home value into cash for expenses and retain the ownership of the property simultaneously. However, reverse mortgage eligibility and feasibility are quite complicated and there are times when it is not a good option, especially for seniors (common applicants for a reverse mortgage) above the age of 60. Here are a few reasons why. Home eligible for inheritance Senior homeowners can benefit from reverse mortgage eligibility only if they can take a loan against their home and repay the same in a timely manner. However, in case the homeowner passes away and the property is inherited by their children, who might not be in a financially sound position to repay the impending mortgage. The inability to do so can result in selling the property to repay the outstanding debt and in the process lose complete ownership. So before taking a reverse mortgage, homeowners must account for the financial status of the people who will inherit the home in the future. Sharing owned property People living on the property are forced to vacate it in case the owner is unable to repay the reverse mortgage.

10 debt settlement companies you can consider in times of crisis

10 debt settlement companies you can consider in times of crisis

Though debt such as student loans, car loans, and mortgage on the house is part of life, it does become a hindrance that affects your savings and future financial goals. As per the Federal Reserve, Americans owe more than $4 trillion in consumer debt, and this number does not account for mortgages. So, if you’re facing crushing debt and want to avoid bankruptcy, you can always engage the help of debt settlement companies. Here is a list of top 10 debt settlement companies that can help you in a financial crisis. National Debt Relief The National Debt relief offers a debt settlement service that lasts for around two to four years and charges a 15% fee. They cover all kinds of debts, including unsecured debts. Freedom Debt Relief With average fees and AFCC accreditation, Freedom Debt Relief is one of the oldest debt settlement companies in the country. They are present in 37 states and have been in operation for over 17 years. Guardian Debt Relief Guardian Debt Relief specializes in working with customers who have a debt of more than $10,000. They usually charge a 20% fee and a monetary fee of $200, which goes into the settlement account.