Whenever you rent a car, you always encouraged to purchase the collision damage waiver to eliminate your liability for the deductible or any uninsured losses to which the rental car agency is exposed. The usual fee is $9.00 a day.

In most instances, your personal auto policy or family auto  policy will provide coverage to secure you against payment of any of these deductibles. The only problem you have with using your own policy is that if your rental car is damaged at a time when your insurance agency is closed.

For example, say you return your rental car on a Sunday night and you have damage. You may have a hard time proving you have coverage and the rental car company may demand immediate payment for that damage.  How do you avoid this problem without paying that extra $9.00 a day?

Many credit card company have included automatic coverage in their package of benefits, saying that if you rent a car using their credit card, they will assume this liability. In most situations, rental car agencies have accepted the “credit card insurance” and not demanded immediate payment.

Make sure you check with your credit card company to see if you have car rental insurance option and check with your insurance company to find out how much your policy covers when you rent a car.

There are two reasons you may want to purchase the rental car insurance from your car rental agency:

1. Your auto insurance policy does not cover you for amounts the rental company charges you for the money it loses while the car you damaged is out of service.

2. Your insurance company may not reimburse the rental car agency quickly enough to satisfy them and the rental agency will insist on immediate payment from you if you did not buy the agency’s insurance.

For more information on saving money on auto car insurance policy quote see our site free insurance policy quotes

insurance,car rental insurance free online quotes,how much is rental car insurance,car insurance for rental,is rental car insurance necessary,rental car insurance

Share This

Technorati Tags: insurance, car rental insurance free online quotes, how much is rental car insurance, car insurance for rental, is rental car insurance necessary, rental car insurance

Online Video Rentals

Watching movies is great cheap entertainment. You make your own popcorn and the candy and soda is sure much less expensive than at the theater. Plus you get to watch in the comfort of your own home. With advent of video rentals online your choice of movies is unlimited. There are a few companies that offer video rentals online but Blockbuster Video rentals really seems to have the best deal because you have a lot of flexibility in terms of where you rent and what you can rent i.e. video games at a discount.

The BLOCKBUSTER Total Access™ program gives you the convenience of renting movies online and the ability to exchange them in-store for FREE rentals. When you’re finished watching a DVD, you have a choice:

1. You can return it by mail.

2. You can exchange it for FREE movie rentals or discounted game rentals at participating BLOCKBUSTER® stores (up to plan limits on exchanges).*

If you don’t have a BLOCKBUSTER store nearby or prefer the simplicity of a mail-only rental service, you can opt for the BLOCKBUSTER By Mail. BLOCKBUSTER By Mail lets you rent online and return movies by mail. If you happen to be near a BLOCKBUSTER  you can still return your online rentals to a BLOCKBUSTER store in exchange for discounted movie and game rentals.

There are no due Dates or late Fees if you are part of the online rental program. Plus there is no extra charge for Blu-ray. You can choose from more than 90,000 Titles, from Cinema Classics to the Hottest New Releases. DVDs usually arrive within 1-2 business days.

In addition to all that, as a BLOCKBUSTER Online member, you’ll receive emails for exclusive deals and discounts to use in the stores or with BLOCKBUSTERS online partners.

If don’t want to commit or just want to check it out, BLOCKBUSTER is offering a FREE TRIAL. Just click on the START YOUR FREE TRIAL NOW below and try it.

Share This

If you are planning on doing holiday baking start buying your ingredients now and put them in the freezer.  Prices can fluctuate tremendously over the course of just a few weeks.

Butter is a commodity and shortages in cream supplies and higher demand can drive prices up.

Industry executives explain that market pressures also affect prices. Butter tends to be cheaper in November than in December, when more people bake. Prices generally drop again in January.

Some supermarkets will offer discounts on their house brand to beat out competitors like Challenge or Land O’ Lakes.  A newspaper survey of prices in November and December showed major differences between months and between stores. Horizon was $3.99 in November and $4.99 in December at one store and at another store Horizon Butter was $2.89 in November and $4.19 in December.

One butter executive advises buying butter in November when it is cheaper and freezing it. While that changes its quality slightly, the savings can sometimes be as much as $1 per pound.

cost of butter,saving money tips,tips on saving money on groceries,how to save money on groceries,ways to save money on groceries

Share This

Technorati Tags: cost of butter, saving money tips, tips on saving money on groceries, how to save money on groceries, ways to save money on groceries

Here are some great tips I found in the weekly column from Dr. Oz and Dr. Roizen.  These tips will help your hair stay healthy and you will save money too because you will be using less hair products.

Skip shampoo - The natural oils produced by your scalp are moisturizing to your hair. Unless you’ve been working up a big sweat, wash you hair every two or three days. Other days, just rinse and massage your scalp with water, or water and conditioner.

Rinse promptly - After a day at the beach or pool, remove chlorine and saltwater which are drying to hair. You can get a head start at the pool or beach if you bring a can of club soda and pour it over your hair. My hairdresser taught me that one.

Avoid chemicals - Dyes and bleaches can cause hair to become fragile and prone to breakage. Avoid do-it-yourself products because they tend to be extra-damaging on the hair shaft.

Be gentle - Blot hair dry with a towel, skip heated irons and dryers, and use low heat if you must blow dry. Use a brush with smooth or rounded bristles.

Share This

Driving a  car that is classifed as “safe” will give you lower annual auto insurance premiums. If you want to find out if the car you own or the car you want to buy is a “safe” car, there is a place you can find out.  The safety ratings of a vehicles can be found at the Highway Loss Data Institute.  They list a  car’s safety records, based on its make, model, and year.

The Highway Loss Data Institute and the Insurance Institute for Highway Safety (www.hldi.org)  every year publish a summary of the current model year’s safest vehicles by category. They have several categories for rating starting with “good” for the safest and ending with poor for the least safe. These ratings are based on performance in high-speed front and side crash tests and evaluations of seat and head restraints for protection against neck injuries in rear impacts.

WANT A FREE AUTO INSURANCE QUOTE JUST CLICK ON THE BOX BELOW

Find out how to save on your Homeowners Insurance Quote visit us at Free Insurance Policy Quotes

Share This

Studies by the EPA (Environmental Protection Agency) concluded that air pollution levels in many U.S. homes are three to five times higher than outside. Here are some cheap ways to improve the air quality in your home:

Ban smoking in your home - Tobacco smoke contains more than 4,000 chemicals, 200 of which are know poisons.

Keep pets outside - especially if you have someone with pet allergies. Bathe and groom your pet regularly to reduce pet dander, a common trigger for allergies.

Buy air filtering houseplants -  The rule of thumb is one plant per ten square yards of floor space. Here are the 10 plant varieties researchers have found most effective in purifying household air: Rubber Plant, Boston Fern, English Ivy, Peace Lily, Weeping Fig, Australian Sword Fern, Areca Palm, Reed Palm, Dwarf Date Palm, Janet Craig Dracaena.

Check A/C. unit filters - If your AC/heating unit uses replaceable filters, look for the highest-efficiency filtr that elinimates pet dander, dust, smoke, mold and other small particles and allergens from your air. The American Lung Association recommends using filters that meet its indoor air quality guidelines and has a Minimum Efficiency Reporting Value (MERV) of 10 or higher.

Want to learn more about improving your home environment cheaply? See our post Cheap Ways to Save on Utility Bills

air filter,home air filters,green air filter,best air filter,whole house air filter,house plants indoors,the best house plant,non flowering house plants,allergen,indoor air quality,indoor air quality standards

Share This

Technorati Tags: air filter, home air filters, green air filter, best air filter, whole house air filter, house plants indoors, the best house plant, non flowering house plants, allergen, indoor air quality, indoor air quality standards

As the King of Siam would say vacuum cleaners are a puzzlement. Some friends tell me you can not buy a decent vacuum cleaner under $400.00. My mother swears by her $89.00 (purchased sometime during the late 1990’s) Regina Housekeeper Plus. Another pal says the only thing worthwhile purchasing is the $1000.00 Rainbow vacuum cleaner. My neighbor says she still has her $500.00 Electrolux from 20 years ago. While others sing the praises of the Dyson and that Australian guy.

I never actually had that much money to spend on vacuum cleaners but over the last ten years, I have probably spent $1000.00 because my vacuum cleaners keep breaking. I mean they lose suction just like the guy in the Dyson commercial says. I got so discouraged I went out and bought a cheap Shark vacuum cleaner and just used that for awhile. As you have probably guessed the Shark developed problems also. All three developed this mysterious problem with the roller brush. They were so cheap though, I just kept buying new ones. That is until the third one broke after only a month.

This is not cheapskate living I told myself. I cast my thoughts back to the last decent vacuum cleaner I owned. I don’t remember the model but I do remember I bought for about $85.00 from a shop that sold and repaired vacuum cleaners. It was a reconditioned model. Reconditioned means someone owned it previously  and the repair shop has gone over it and replaced any broken or worn parts. That vacuum cleaner lasted at least five years.

To find out which brands are the best buy go to a shop that repairs vacuum cleaners. Ask  the repair person what brand they would recommend and what brand they use. Often repair shops will have reconditioned vacuum cleaners that you can purchase for a fraction of the price of a new model. I recently purchased a $750.00 top of the line vacuum cleaner for $300.00 and the owner of the shop threw in a one year warranty.

A friend of mine purchased her vacuum cleaner (an Oreck) which usually would cost $400.00 new for $129.00 at a pawn shop and the owner even threw in an extension cord for free.

I know another woman who purchased her Dyson vacuum cleaner on eBay. If you choose this option, visit a shop and test it out first. Vacuum cleaners are a product that you really need to try before you buy.

cheap vacuum cleaners,good cheap vacuum cleaners,consumer guide to vacuum cleaners,upright vacuum cleaners

Share This

Technorati Tags: cheap vacuum cleaners, good cheap vacuum cleaners, consumer guide to vacuum cleaners, upright vacuum cleaners

Health Magazine reports a new study reveals that if you are going to spend money, spending it on a day at the beach or a night out with friends rather than a new handbag is much better for your health. The research presented at the annual meeting of the Society for Personality and Social Psychology, show that the handbag is likely to lose its appeal much more quickly than the happy memories of get-togethers.

Share This

Here are some cheap ways to cure the common cold that have been proven to work:

Neti Pots - Doctors and studies agree on this one: Rinsing out your sinuses with saline solution (or salt water) can drain nasal passages and keep your breathing clear. You can purchase Neti Pots at local drug stores.

Chicken soup - A not yet identified ingredient seems to ease upper-respiratory symptoms caused by colds. Even canned soup works.

Zinc - Numerous studies show that when taken early in a cold, zinc can keep the virus from replicating, reducing the time you’re sick by 50 %. Try to take 13 to 25 mg per day.

Vitamin C - A number of studies have shown that it may reduce cold symptoms and duration by around 20%. Check with your doctor first so you don’t take too much.

home remedies for the common cold,natural cold remedies,common cold remedies,home remedies for head cold,homeopathic cold remedies,cold home remedies,best cold remedies,home cold remedies

Share This

Technorati Tags: home remedies for the common cold, natural cold remedies, common cold remedies, home remedies for head cold, homeopathic cold remedies, cold home remedies, best cold remedies, home cold remedies

Got some great tips from Woman’s Day Magazine plus some of my own on recycling common household items. When you recycle household items you save money and the earth at the same time. A great thing to do and make you feel good about being an upstanding citizen of the planet Earth.

Old sheets and pillow cases - Fold them almost in half, leaving a top flap. Stitch up sides and use them to store blankets, comforters and pillows  dust-free. I use old sheets to protect my car seats and trunk when I am transporting plants from the nursery and also put them over plants in my yard to protect them from freezes.

Luggage - You can use these to store extra sheets and pillow cases or out of season clothes. I use them to store other luggage such as duffel bags. We also once used an old suitcase lined with a blanket for a dog bed.

Wastebasket - Use tall ones for storing rolls of gift wrap or use them to store extra paint rollers or outdoor toys in the garage.

Plastic grocery bags - Use them as padding in packages with fragile items or use them as trash can liners in small trash cans.

Trifle bowls - I seldom make Trifles ( a layered dessert) so I use my Trifle bowls to hold hair scrunchies and hair rollers.

Laundry baskets - I use these in the garage to store basketballs, soccer balls and some sports equipment.

Laundry hampers - I use these in the garage to store the old sheets I cover the plants with during a freeze.

Three Ring Binders - You can fill these with plastic page protectors and store recipes, kid’s artwork, school schedules, magazine articles you are saving or even important receipts.

Plastic Bins from ice makers - I use the plastic bin from the previous refrigerator to store lids to plastic containers. You can put them in size order for easy access.

recycle reuse,reduce recycle,why you should recycle,reasons to recycle

Share This

Technorati Tags: recycle reuse, reduce recycle, why you should recycle, reasons to recycle