how to fix my car

I was in a car accident recently. It was the other person’s fault and I was written a check for the damage. Its a good sum of money (about 500 bucks). I’ve been debating whether or not to get it fixed or just keep the money.

The car is a 2004, has about 40 k miles on it. Its not paid off yet and the money would def help pay it off. I know I’m going to drive it for another 3 – 4 years and over 100k miles before I trade it in/sell it.

I guess my question is, how much will this damage affect the value of the car in 3 years…will it severely reduce the amount i get for a trade in?

Heres is a picture of the damage

http://new.photos.yahoo.com/goldzooki/album/576460762401524154/photo/294928804381135168/1

Dude, I don’t even need to look at the photo. If you wait 4 years to sell it then a $500.00 loss on an 8 year old vehicle will not affect the value by $50.00.

I just bought a car and I’m happy with it. however there are a couple things that need to be change/fixed. there is a bad wheel bearing which apparantly the previous driver had been driving on for several months. (after hearing the sound I don’t know how they did that) I live in Michigan which means it gets cold this being one of those colder days, and the previous owners being polite cleaned out the car and washed it. So today I was putting the window down (its a old fashioned roller window) there was a snapping sound and all of a sudden the window looked all wonky. I was wondering how difficult it would be to repair those things myself? and if I would need any special tools and suggestions on how to do it (I’ve changed brake pads on a car before if that helps). thanks for you help

Clay B, Try visiting an auto repair shop in your area. http://www.autorepairshopreview.com They can help you get on the right track. Try vistiting multiple places and compare what they say.

I am interested in fixing car sound system which include 1 unit of subwoofer, 1 unit of amplifier and 2 unit speaker for my home. Is it possible to do so? How to fix it?

theres 2 things that can go wrong with a sub

1 the voice coil blows
meaning the coil of coated copper wire burned out or is shorted out

2 the rubber is perished, ripped, broken

1 is the hardest to fix cas you have to unwind the original coil and replace the wire with new coated copper wire to equivalent spec
(looks like this http://cgi.ebay.com/5ft-COATED-COPPER-WIRE-22GA_W0QQitemZ150341663950QQcmdZViewItemQQptZLH_DefaultDomain_2?hash=item150341663950&_trksid=p3286.c0.m14&_trkparms=72%3A1205|66%3A2|65%3A12|39%3A1|240%3A1318|301%3A1|293%3A1|294%3A50
ask for it at your local electronics store)
that sounds easy but can take up a fair bit of time
wouldn’t recommend it unless its a good sub
2 is real easy just buy a tube of regular black silicon and using your finger spread it over and fill all the rips and blemishes in the rubber
hope that helps
if its something els email me
peace XP

Car selling is a tough job but if acted wisely this tough job can be completed with ease and convenience. Everyone desires to get the best value for their used cars and this greatly depends on the condition of your car and your behaviour with the prospective car buyer.

Here are the top 10 car selling tips that may help you finalize a better deal:

1. First you need to know the market value of the car. This will help you put a reasonable price tag to your used car.
2. Then fix a price range for your car between which you feel that negotiation with the car buyer will be reasonable. You know the condition of your car both in terms of looks and performance and so you can decide the maximum down price below which you cannot afford to sell your car.
3. It is very important to wash and wax your car before displaying it for sale. This is because the exterior look of the car holds the first impression that may appeal the buyer.
4. Fix all small problems in the car including transmission problem, wheel imbalance, misalignment or steering problems. Don’t give any chance of complains to the buyer. At least the basic functions of the car should be well-operating condition.
5. Clean the car interiors well so that the upholstery, car seat covers, and other interiors look fresh and impressive.
6. Keep all the car documents ready. No buyer will show interest in buying your car if you don’t have the registration certificate, insurance papers, and maintenance records in position.
7. Now, when you are all set to sell your car, search for some good medium of advertisement. These days’ online car advertisements are much in favour. You can even add some quality car pictures with a brief description of your car to be sold. This will ease your car selling process.
8. If any buyer show interest in your car, start boasting about your car and make a clear mention of all the new car components that you have installed. Let the buyer know that you taken good care of your car. This will help him take a faster car buying decision.
9. Let the buyer inspect the car from all aspects. Let him take a test drive but before that check whether the buyer has a valid driver’s license. Allow him to be satisfied with the car.
10. Then, once he is satisfied, finalize the deal with him at a valuable price tag. Make sure that you complete all the paper works including the transfer of name formalities before you actually sell off your car.

Carazoo.com
http://www.articlesbase.com/cars-articles/top-10-car-selling-tips-676244.html

You can save a lot of time and fuel by making a list of questions to ask when buying a used car, and phoning around before you try and drive. In part three of my used car buying tips article series, I covered the topics of organized note taking during phone interviews, rust awareness, and problems the owner may have knowledge of concerning their own car. In this part I’ll go over some specific mechanical aspects which are typical problem areas with used cars.

Engine Issues:

How is the engine? Does it burn oil? This is a good thing to know because an engine that burns oil is worn out to some degree. When a car is burning oil it means that the oil in the engine, which is there for lubrication and cooling purposes, is escaping into the combustion chamber somehow, and going out the tailpipe as blue stinky smoke. That means that the car is excessively polluting the air, and more oil must be added to replace what has been lost. These things can be expensive to fix.

Similarly, oil leaking from the seals of the engine will land on the ground and end up polluting the streams, rivers and oceans in your area. Like the increased air pollution from an oil burning car, the oil leaking car is an environmental menace. Repair of oil burning problems usually requires a major overhaul of the engine. Oil leaks may require similarly complex repairs, or they may be much simpler. A leaking valve cover gasket is a very common oil leak affecting many cars which can be repaired with a $6 gasket and an hour of labor.

Transmission:

Ask the owner if the transmission shifts without any grinding. If not, this can be expensive to fix. Ask them about the clutch, when it was last replaced, and if they have the bill for it. If it has never been replaced, that’s not necessarily a bad thing. It may indicate that the car has been driven gently. It could be a $500+ job if it needs one though, which is ok if the asking price reflects that needed work.

Tires and Wheels, Glass and Exhaust:

Ask them about the tires. New tires cost around $100 each and up, depending on the car. Are the wheels steel or aluminum? Aluminum ones cost more when the car was new, and are generally more valuable, and nicer looking. Is the windshield cracked or pitted? New ones start at around $200 and go up from there. How about the muffler? Is it quiet? When was it last replaced? A new one of decent quality will cost a few hundred bucks minimum.

Brakes:

Brakes need to be done every couple of years on any car. When were they last done? Both front and rear? You can expect to pay $100 per wheel to have them done at least. You will need to have the brakes up to standard to insure your newly purchased used car, as a vehicle inspection is usually required by insurance companies. This is a good thing since it can save your life and the lives of others.

Paint:

What color is the car? How does the paint look? Like the rust question, this is a matter of perceptions, but its worth asking. Has the car ever been painted? If so, when? New paint may indicate that the car was rusted, or in an accident. New paint can be a good thing, especially if the paint has been there for a few years and still looks good. Original paint is the best though, because then you can see that there’s no rust or accidents, and they do paint right at the factory!

Interior Condition:

How is the interior? The condition of the upholstery is easy to see, and may reflect the level of care that has been taken in looking after the rest of the car. Find out what color the interior is too. Do you like that color? Asking if the car has ever been smoked in is a good idea if you like things that are clean. The difference in cleanliness between the interiors of a smoker’s car and a non-smoker’s car is quite remarkable.

The Price:

What is the asking price? It says in the ad, but ask anyway and make sure you are both on the same page about this important detail. Are they flexible on the price? See what they say.

The Location:

Find out where the car can be seen, and when. If they don’t want to meet you at their home, that should be a red flag. They may have lots of cars there, and try to meet you somewhere, anywhere but their place! Seeing where they live and the condition of their home will give you greater insight into how they take care of their lives, and therefore their cars. I like to go to their place to see what it looks like, so I can get a feel for how they take care of their stuff.

Mike Willis
http://www.articlesbase.com/automotive-articles/questions-to-ask-when-buying-a-used-car-part-4-56695.html

How much insurance does one need? You have the big four: home, health, life, and car insurance. Then there’s a second category, which starts getting a little hazy with credit card insurance, purchase protection plans, fraud insurance and more. Extended warranties, also called extended service contracts, or extended service policies fall into the mist of this second category.

Extended warranties are supposed to pay (in full or in part) for specified repairs for a specific period of time after the expiration of the factory warranty. They can be a great value. They can also be a significant waste of money. It gets quite foggy in the details. What exactly is covered? How long? How much? Are there hidden charges?

There are numerous extended warranty companies and an even wider variety of warranty packages available: silver, gold, platinum, platinum-plus, and a host of other confidence-building words. What’s the best plan, and are extended service contracts worth the money? Extended warranties, like life insurance policies, are a numbers game. They’re a gamble. You pay $2500-$4500 for a 2 year, 100,000-mile protection plan and hope that you get at least that back in warranty repairs. The provider on the other hand, hopes to pay out less than it insured.

There are three major types of plan providers: The manufacturer, the dealership/third party, and third party providers. Each one has its assets and liabilities (discussed ahead).

What exactly is covered in an extended service plan? As mentioned above, what’s covered depends on the package purchased. Some plans only cover the power train: the mechanical components of the engine, transmission, and rear-end. Others cover the power train plus some electrical components. Still others cover electrical, advanced electrical, and computer components. Some only cover what’s listed in the contract. This is called a “Stated” or “Named” contract. This means that if it’s not stated, it’s not covered. Some cover bumper-to-bumper, similar to a manufacturer warranty, except trim pieces, upholstery, exterior components, cosmetic items, and a number of other exclusions.

Never before has the adage, “The devil’s in the details,” been so applicable.

Manufacturer Extended Plans:

Extended service plans from the manufacturer are the best in terms of coverage, convenience, and quality. Coverage is similar to the warranty while the vehicle was under its original factory warranty—with similar exclusions stated above. The billing is direct, meaning you don’t have to pay out-of-pocket, except for a deductible, if applicable. Quality is great too, as an extended warranty from the manufacturer will only use factory parts. They also have money, so there’s less risk of bankruptcy.

The down side of manufacturer extended service plans is that they are not cheap. These plans are generally the most expensive, require low mileage standards, and necessitate servicing your vehicle at a dealer for coverage.

Dealership/Third Party Plans:

Extended warranties from a dealership are actually from a third party insurer. These providers are “generally” reputable, but not always. However, if there is an issue (such as the warranty provider filing chapter 11, which is quite frequent in the extended service contract business), the dealer “may” step in to cover any repairs that would have been covered under the defunct plan. Also, claims are easier: billing is direct because the dealership has a working relationship with the provider, and there is usually agreement on price.

Some dealers set up their own “internal extended warranty,” which is honored by the selling dealer. This is rare, and should not be confused with a manufacturer warranty. Important: extended warranties are often passed off as “manufacturer” warranties. They’re not. This is a sales trick. Also be aware that there is a significant mark up, as the dealership is merely acting as the middle man. Lastly, extended warranty companies often go bankrupt without warning.

Third Party Plans:

These plans are called third party plans because they are outside the responsibility of the manufacturer and the service center performing the repairs (unless there’s a working relationship with a repair shop as stated above).

There are hundreds of extended service contract companies. Some have good reputations, some don’t. Third party plans are frequently sold by used car dealers. You may also receive an official looking notification in the mail stating that your warranty is expiring, and directing you to call an 800 number ASAP. This is a marketing tactic by an independent warranty provider. Despite the “official” appearance of the postcard or envelope, it’s not from the manufacturer. Manufacturers do not send out reminders about warranty expirations.

Given the wide-variety of third party plans there are numerous red flags.

1) Claims: Extended warranty companies will be quick to tell you that filing claims is easy, and that the service center gets paid immediately via a credit card. Thus, there’s no out-of-pocket expense for you. However, the warranty company can’t dictate a service center’s policies. Some service centers will only accept payment from the repair customer. Thus the burden is on the repair customer to fill out the forms, contact their warranty company, and await reimbursement via check, which can take 2-8 weeks.

It is the service center’s responsibility to contact the extended warranty company to let them know what’s wrong with the vehicle and to check coverage. This process can take anywhere from 20 minutes to 20 days, sometimes more, depending on the degree of repairs and especially the amount. (See $1000 and Adjusters ahead)

Service centers and extended warranty companies frequently battle over the “fair” price of repairs. Many repair shops no longer negotiate, and just state the price, leaving the contract holder (i.e., the service customer) responsible for the difference.

2) Rentals: Rental coverage is a great benefit. However, there are fixed rates and time limits. In other words, the warranty company is not going to pay to have you drive a Mercedes-Benz, even if you drive a Benz. Rental allowances range from $25 to $35 per day. Also, rental coverage is based on the number of hours it takes to repair the vehicle, NOT how long your car has been at the shop.

3) $1000 and Adjusters: Repairs that approach $1000, or that require a significant amount of work, will be cause for the warranty company to call in an adjuster to confirm the diagnosis. This will delay the repairs by a minimum of 24-48 hours. It may cost you additional money when an adjuster is involved. You may be charged to have your vehicle pulled back into the shop for inspection, as well as for the time spent with the adjuster.

4) Tear-down Charges: In many cases, an extended warranty company will require that a particular component be taken apart for inspection to determine if the repair is indeed needed and covered. This puts the service customer in a very awkward position. The customer will have to authorize potentially hundreds of dollars of tear-down expense in the hopes that the repair is covered. If it’s not, the customer is out the hundreds in tear-down PLUS the actual repair. This does happen!

Common Myths:

1) “Extended warranties cover maintenance services and brake work.”

No. Extended warranty plans do not cover maintenance or wearable items. Brake pads and rotors are wearable parts. Maintenance such as coolant, brake and transmission flushes, tune-ups, services, oil changes, bulbs, wipers, and more are not covered.

2) “They told me it’s bumper-to-bumper, so it covers everything right?”

Wrong. Not even a factory warranty covers everything. When pitching the sale for the extended warranty, one is very often lead to believe that he or she will have nothing to worry about. This is just not true on so many levels. For example, if your bumper falls off it’s not covered.

3) “I don’t have to pay anything, right?”

Wrong. Despite the claims of 100% coverage, there are many factors involved. The labor rates, labor hours, diagnostic times, parts prices, and machine work are just a few items that often conflict with a service center’s policies. Some extended contracts only pay a maximum of $55 per hour, and only allow one half hour for diagnostic time. This is generally unacceptable to the service center, as labor rates have skyrocketed to over $100 per hour at many dealerships, and average $75 at local shops. Moreover, with the complexity of today’s vehicles, diagnostic time is at a premium. The customer pays the difference.

4) “If I have an expensive problem, I can just purchase an extended service contract.”

It’s unethical, but it’s an option many attempt. However, most service contracts have a minimum time requirement before the first claim can be filed: usually three months. Also, many contracts require that your vehicle be inspected by a service center to check for pre-existing conditions—just like life insurance.

5) “My contract lasts up to 100,000 miles.”

Only if the time limit doesn’t run out first. All extended warranty plans have a time limit. For example, a typical contract will state that the vehicle is covered for two years or 100,000 miles, which ever comes first. During the sales pitch, however, the emphasis will be on the 100,000 miles, not the time.

6) “If my car breaks, it gets fixed like new.”

Actually, depending on the contract, an extended warranty company can insist on installing remanufactured or even used parts.

Items commonly not covered by extended warranties:

• Any component with a pre-existing condition

• Any component related to a Technical Service Bulletin (TSB)

• Many components that has been updated by the manufacturer

• Extra components necessary “due to manufacturer updates” to complete the repair

• Trim pieces: molding, cup holders, dashboard, console, body parts, glass

• Many accessories: radios, DVD players, TVs

• Many expensive electronics: climate control units, navigation assemblies

Service contract positives:

Some service contracts are transferable, and may thus increase the resale value of a vehicle. Many come with trip interruption reimbursement, towing and 24-hour road side. Some plans can also be financed, or have E-Z Pay Plans. Others offer a money-back guarantee.

What should you do?

You’ll get lots of advice about doing the research, comparing plans, and reading the fine print. This is all sound advice. But what about doing the math?

Let’s say a plan costs $2500 for 2 years or 100,000 miles, whichever comes first. To break even you’ll need a minimum of $1250 per year in covered repairs, excluding regular maintenance. Remember covered is the vital word here.

Another way to break it down is to anticipate having to pay $104.17 per month over the next two years in “covered” repairs. Do you want to take that bet?

What could happen?

You could double your money or more in repair work. You could conceivably get a new engine and transmission (or used ones anyway). You could also easily spend $2500 for a service contract, and still have to pay another $2500 for repairs, which for a variety of reasons, were not covered under your plan. Now you’re out $5000.

Alternatively, you could keep the initial $2500. In many ways all an extended warranty does is prepay for repairs. You could stick the money in the bank and collect interest. Then you could withdraw the money for repairs as needed.

Another consideration that’s rarely discussed is the cause of the problems. Many car repairs problems are the result of wear and tear, neglected maintenance, physical damage, or acts of God—such as flood damage. None of this is covered. The gamble only covers failed components.

If the vehicle you’re driving does cost $2500 to $4500 in repairs due to outright failed components, is it a vehicle you even want to consider keeping? A vehicle that needs this kind of repair work due to mechanical, electrical, or computer failures may not be worth it. The $2500-$4500 would be better spent on an upgrade to a quality vehicle rather than insuring a lemon.

There’s no question that auto repair is expensive, and even quality cars break from time to time. But do they breakdown to the tune of $2500-$4500? That’s a hefty bet on a “possibility.”

Terence O’Hara from the Washington Post makes an excellent assessment about extended warranties in general. He writes:

…extended warranties play upon a basic human trait to avoid loss, even if it means sacrificing a possible future gain…the gain is all the other things of value that a consumer could buy with the money that was spent on a warranty

What’s the best plan?

Money in your bank account!

Theodore Olson
http://www.articlesbase.com/automotive-articles/auto-repair-insurance-extended-warranties-myths-and-facts-68518.html

Cash loans offer small financial help so that you can easily fix up short term expenses. They offer timely monetary assistance so that you can overcome financial deficit immediately. Cash loans are an instant source that can be depended on, for your urgent needs.

Cash loans are open to all borrowers. The no credit check feature of cash loans allows even bad creditors to access the funds. The borrower with poor credit scores and bad credit like CCJs, IVA, late payments, bankruptcy can apply for cash loans.

Cash loans are short term loans and are therefore provided at slightly higher rates of interest. The loan amount can be acquired for meeting various small expenses like:-
• Paying utility bills
• Electricity bills
• Medical expenses
• College fee
• Car repair cost
• Other such expenses

You can advance a loan amount ranging from £100-£1500 for a term of 15-30 days. You can borrow an amount that is required. The repayment date can be fixed on your upcoming payday so that it becomes easy for you to repay.

You can easily apply for cash loans online and online. Stiff ongoing market competition among lenders enables you to avail a lucrative deal at lower rates of interest. But you will have to do your homework of researching thoroughly. Just fill up a simple application form and start right away!

To get cash loans you need to fulfill the basic eligibility criteria. The borrower must be 18 years of age, should have a regular employment and must hold a valid bank account. If you successfully fulfill the criteria then you can easily get the loan approval.

Cash loans are approved instantly and the cash amount is transferred to borrower’s bank account within 24 hours. The significant features like no credit check, no documentation and no paperwork results in quick loan processing and fast approval. The borrowers are provided with timely cash assistance to meet all requirements.

charly groom
http://www.articlesbase.com/loans-articles/cash-loans-quick-cash-to-fix-up-small-financial-needs-692421.html

Your insurance company will shoulder most of the bills for car repairs and you save a fair amount on your other coverage. Life usually comes to a standstill when you are running short of cash in between paydays as urgent payments can not be made. Some people use their home equity to borrow. Loans are taken to meet a sudden and unexpected expense. However, you can save on your repair bills and still keep your vehicle well maintained. Auto repairs are a necessary, but often high priced expense. Almost all automotive repair questions can now be answered online, right at your fingertips.

Money is available for the emergent needs that occur in life and personal financing can be obtained for new appliances, automobile repairs and home improvements. Personal loans are a great option if you need money to consolidate debt, pay for automotive repair, repair the home, go on a vacation, or even go to school. The automotive insurance company usually sends a check for the funds directly to you to help you get the automotive repaired or to replace the vehicle. Of course, you then need to pay recovery charges to get your automobile home or to a garage and then get the automotive repaired. Auto expenses includes everything from car washes, insurance, automobile repairs, tires, interior detailing, and even air fresheners and oil jobs. With the help of this mortgage, borrower can easily meet various personal needs like paying, automotive repair bills, credit card dues, home repair and so on. On the job training not only improves your skills, it also gets you working in the automobile repair industry sooner.

When handled correctly, receiving an online payday loan is an advantageous economical alternative to costly overdraft fees, bounced check charges, taxes or possibly losing your job if you do not have money on hand for a needed automobile repair. There may be a time where you are hit with an unexpected cash emergency, such as a bank overdraft, an unforeseen auto repair or unexpectedly high utility payment. You may get paid to take survey about automobile repair or insurance, baby products if you are a new parent, travel plans for business and pleasure, or any number of topics that someone is willing to pay for information. If managed correctly, a loan of this type would be a smart alternative to paying costly dishonor bank fees, late rent fees or possibly losing your job if you are unable to afford a much needed car repair. Actually there are many people who are afraid of that day when they will have to get their auto repaired.

The hassles of insurance, car repairs, and treating possible injuries can alter your daily or weekly routine for quite a while. These days, there is nothing daunting for car repair shops as a weathered convertible top. Although SMART repair services are quite comprehensive, if you lurch forward in slow moving traffic and smash into cars in front causing considerable damage, SMART vehicle repair technicians may not be able to fix it. Make use of SMART vehicle repair services, which also include a auto diagnostics service to ensure the problem does not escalate. Techniques that SMART vehicle repair undertake include painless dent removal, seat and trim repair, plastic welding and bumper repair, air conditioning repair, and alloy wheel repair. In addition, many SMART vehicle repair jobs can be done on your premises, saving you the petrol used to travel there, as well as time and inconvenience.

Auto Repair and Motoring Nowadays, when taking care of the environment has become a priority, it has been realized that enough small changes made by many people can make a difference. Visit your favorite repair shop mechanic and auto dealer The vehicle enhancement options available are vast. As long as you have quick payday loans, then you will be able to get what you need, pay those unexpected bills and have some money left for repairs or family emergencies. The reason repair is set up for negotiation is because your mechanic or service manager knows that he can give you a discount but he certainly is not going to offer it. When people are looking for products and services such as restaurants, repair shops and florists, they tend to spend their money in an area near where they live, work or play. If a repair shop does not offer any type of guarantee on their work, consider shopping around for another tire shop. Even though you may have worked on your own cars as a teenager or still consider yourself to be an amateur repair specialist I recommend that you leave the work to a qualified mechanic who has been trained to do the job properly.

Ronald W. Firquain
http://www.articlesbase.com/cars-articles/how-to-pay-for-your-car-repair-533367.html

Students are increasingly worried about credit and credit scores – and for good reason. Student debts are rising and the numbers of students who leave school with ruined credit scores is rising as well. Many experts blame larger credit card debts and rising tuition costs (that lead to larger student loans). Despite the pressures, it is possible to leave school financially sound and in fact, to develop good financial habits that can lead to a lifetime of financial success. Here are a few tips that can make the college years a credit-booster instead of a credit disaster:

If you are a student, you have a great secret weapon for credit repair and free credit repair advice – your school’s financial aid office. If you are a college student, your school’s financial aid office should be one of your first stops at the campus. Few students visit this office regularly while they are in school, and this is a mistake. The financial aid office at most universities and colleges can offer students free credit repair advice to help you keep your credit score in tip-top shape.

Additionally, the financial aid office offers one-on-one financial counseling, information about scholarships, tips on budgeting, books on money, and many more resources. The officers at your university or college financial aid office can offer you help on almost any aspect of financial help – including helping you figure out a financial plan that can keep you out of debt.

Plus, many financial aid offices have workshops that can teach you about dealing with money and credit, and even offer free tax filing services – services that are extremely useful. In fact, the financial aid offices at most colleges and universities are so useful that you may want to call the school you attended in the past to ask whether alumni are eligible for any services at the financial aid office. The free credit repair advice and other resources that you a get from these offices, are simply too good to miss.

Another thing that students can do to protect their credit is to try to pay for education through means other than loans. Student loans are becoming a problem for more and more students. Many parents and students are now waking up to the fact that huge student loans can be a terrible financial burden after graduation. While it is true that most college and student loans do not have to be repaid until after graduation, the time after graduation usually carries some large financial responsibilities.

Many college graduates want or need a car, a good job, and possibly their own home or apartment. Each of these things requires a good credit standing, but too large student loans not only require larger monthly repayments but also may affect credit scores by overextending credit. As tuition fees rise, larger student loans are becoming the norm, leading to financial hardship – and in many cases disaster. To avoid this, you should try to live within your means and rely on such resources as jobs, savings, scholarships, bursaries, and other forms of financial aid to pay for your tuition and living expenses.

Another thing that students can do is save money by taking advantage of student discounts on student life. One of the advantages of student life is that it is inexpensive. Student housing or rooms rented with roommates create inexpensive living, on-campus facilities offer great services at discount rates, and many businesses offer student-only deals.Try to take advantage of these offers to make your student money stretch further.

Look around to find the best student-deal offers, ranging from travel deals to free tax filing services, available from your campus and from surrounding businesses. Make use of the free services on campus – such as renting movies for free from the film department or working out in the school gym – rather than paying for these same services outside the campus.

Many students fall in love with their credit cards. Credit card companies know this, too, and routinely heavily advertise on college campuses, even offering students free food or gifts to fill out a credit application. While the convenience of credit cards is tempting, it is a good idea to stay away from credit cards altogether. This is because studies have repeatedly shown that those who pay cash for items routinely spend less than those charging or using credit cards to pay.

An alternative to using a credit card is a prepaid debit card. Prepaid debit cards are a great asset to students because it can teach students great financial management skills. Using a prepaid debit card for entertainment and other small needs ensures you won’t spend more than you have to and also ensures that you won’t end up paying for months for something that is long gone.

Following the free credit repair advice give in this article can help you with credit repair before it becomes a necessity. More importantly, this information can help you to establish good credit habits early and will help ensure that you have a long (and good) credit history by the time you graduate from college.

Sandra Clair
http://www.articlesbase.com/non-fiction-articles/student-credit-repair-free-credit-repair-advice-for-students-to-help-avert-financial-disaster-119595.html

I have always wanted to learn a little about car repair. I have never in my life known anyone who was into that kinda thing so I dont know anyone who can teach me. I dont want to become a menchanic so Im not talkin about going to a school or something like that. Im just lookin for maybe a book or website or anything that could maybe help me pick up a few things when it comes to car repair

Buy a repair manual for your vehicle and start doing maintainance and easy repairs on your own vehicle. Also there’s a book out there called ‘Car Repair for Dummies’ or something like that which is supposed to be very helpful. =)