Crisis Fund
What would it be like to have a pot of money available when youhave an unexpected expense? I used to think that unexpectedexpenses was something that happened very rarely. But it seemslike these days I have as many unexpected expenses as I doregular bills. One of the vehicles is always needing tires orrepairs, the washing machine needs replaced or buying a newwater heater (like I did just last week). That is where theCrisis Fund comes in.If you have a budget in place, most of your regular paycheck isalready allocated for something. Ideally about 10% should be putaside for savings.
It would be a good idea to use about half ofyour savings for long term savings and half for your crisisfund. Your long term savings would be used for large purchaseslike a home or money for college for the kids while a crisisfund would be used smaller purchases.Your long term savings can be invested in many ways to yield thebest interest rate you can find since the money is intended tobe tied up for years. Your crisis fund needs to be in a savingsaccount or a checking account that earns interest to make themoney available on short notice.You may even want to use your crisis fund for bills or expensesthat you know will be due in the future. A few examples of thiscould be school clothes for the kids, insurance payments thatare due every three, six or twelve months or even a balloonpayment on your mortgage.One of the major reasons to have a crisis fund is to prevent theuse of credit cards. All of the purchases you would make with acredit card could be made out of your crisis fund.
With theaverage credit card interest being 18% or more, just having thecash available could save you hundreds of dollars a year.If you don't think you have money for a savings of any kind youmight want to think about ways of cutting back on something elseto creat a crisis fund. If money is extremely tight, you willprobably have to put off starting a long term savings.Even putting $5 or $10 a payday away will help when you need it..
Terry Rigg is the author of Living Within Your Means - The Easy Way http://www.homemoneyhelp.com/ebookadpage.html and editor of The FREE Budget Stretcher Newsletter and Budget Stretcher web site http://www.homemoneyhelp.com. He has 25 years of experience counseling individuals and families concerning their personal finances.Ideas for your New Work from Home Business
If you are reading this, chances are that you need to find a new way to make money online. There is good news. Every single topic can be turned into money when you know what to do and how to do it; but how to get new ideas? It's as easy as grabbing a pen and paper.Whether you want your business to be about cars or baskets; the same concept always applies. Choose your favorite topic. For example, let's say that you choose ?cars'.
Make a list of everything that you personally relate with cars. Your list may look something like this:CARS-Tires-Windows-Volkswagen [Some off topic ideas may pop out. Write them as well.]-Street-Stereo-Music-Wedding*Note that this varies greatly from person to person!The advantage of using this method is that those words you choose are related to you somehow. This means that you have some experience with them; and since you can make money out of mostly everything, this will help you have ideas that you never thought about.Next, choose one keyword out...
Ideas for your New Work from Home Business
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ETV Corporations VisiTyre Battery-less Tire Pressure Monitoring System and NHTSA Legislation are Hot Topics at SAE 2005 in Detroit
Sydney, Australia (ContentDesk) June 3, 2005 -- As one of the few interactive displays at this years SAE World Congress and the only TPMS technology company in attendance, VisiTyre drew a continuous stream of industry delegates to their Australian Trade Delegation booth, where a real time demonstration system highlighted the system's ability to immediately report pressures and temperatures of all four wheels plus the spare continuously from the moment of ignition, whether the tires were stationary or rotating. "The VisiTyre Inductive Coupling Technology provides a real solution for many of the contentious safety issues of the Final Rule of the TREAD ACT '' commented Phil Cohen, ETV's Chief Technical Officer, "TPMS disablement by tire replacement is just not an issue with VisiTyre technology, it is inherently transparent to all replacement tires regardless of ferrous or carbon content".VisiTyre utilises electromagnetic inductive coupling to create a ?power in - data out' non contact communication...
ETV Corporations VisiTyre Battery-less Tire Pressure Monitoring System and NHTSA Legislation are Hot Topics at SAE 2005 in Detroit
Toyo tires > ETV Corporations VisiTyre Battery-less Tire Pressure Monitoring System and NHTSA Legislation are Hot Topics at SAE 2005 in Detroit
Motorcycle Accessories Shop Sponsors CRA Winner
John Muntean, rider and Vice President of Motorcycle Dreamshop, won 3rd overall at Cable Creek near Toronto, Ohio on Sunday September 5th. The event was sanctioned by the CRA (Competition Riders of America). There were about 100 riders total in the event."It was a long race but I felt good all day and everything just came together. I couldn't have done it without my sponsor's help," said John. John Muntean is sponsored by Motorcycle Dreamshop, which offers high quality ATV and motorcycle accessories, parts, tires, discount street tires, and helmets as well as apparel and other gear.Many staff members at the family-owned and operated Motorcycle Dreamshop...
Motorcycle Accessories Shop Sponsors CRA Winner
Toyo tires > Motorcycle Accessories Shop Sponsors CRA Winner
Tires
Cambridge Dictionary defines tire as "a rubber ring, usually filled with air, that fits around the wheel of a car, bicycle, or other vehicle."
Tires have reinforcing treads within them. Based on the direction of the treads, tires may be classified as cross-ply or radial. Radial tires are standard for modern automobiles. They have belts that run around the circumference of the tire to give stability to the tread. Underneath the belt are multiple plies of steel, Kevlar, or other textiles that run vertical to the belt.
Beneath the belts is the casing, which is made of rubber, with polyester, nylon, or rayon cords within the rubber give it strength. Beneath the casing is the inner tube. There is no cord reinforcing here.
A monthly check-up of tire pressure is important. Under inflation causes reduced fuel efficiency and heat buildup in the tires. Over inflation wears tires out more in the center of the tread.
Friction from moving contact with the...
Tires
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Online Car Dealers
Automobile dealers are increasingly using the Internet to market new and used cars. Through web sites, consumers can easily access vehicle reviews, view pictures of vehicles, and compare models, features, and prices. Many web sites also allow consumers to research insurance, financing, leasing, and warranty options. As a result, consumers are generally better informed and spend less time meeting with salespeople.
Online car dealers work with an authorized network of car dealers all over the country. This makes it easier for them to find the vehicle the customer is looking for, locally.
They search the inventory of all the network dealers in the customer's area to find the right vehicle for their customers.
Their extensive network of car dealers also ensures that the consumer has one of the largest selections of makes and models available to choose from. Online car dealers offer nearly every type of car and truck available for sale. They also offer extended...
Toyo tires > Online Car Dealers
For Recall: 2002-2006 Jeep Liberty
The Chrysler Group of vehicles has recently released an announcement that they are recalling some 832,000 Jeep Liberty vehicles. This is according to some studies that they have regarding the mentioned vehicles. The company has found out that these Jeep Liberty vehicles manufactured from 2002 up until 2006 have a potential loss of control of steering which could definitely endanger the lives of those who drive it, those who ride it, and those who are in the vicinity of the vehicle.
Max Gates, the spokesperson for Daimler Chrysler AG, the company that manufactures vehicles under the Jeep brand, further claims that they have already received 111 complaints so far. And they were also able to receive reports of three injuries that were related to the problem.
If parts jeep were the problem, the situation would have been easier to contain. However, with such a case, the results could even be grave and could lead to serious injuries or even death.
The...
Toyo tires > For Recall: 2002-2006 Jeep Liberty
Toyo tires Crisis Fund potty training
Flattering Swimwear for Everyone ? Yes, Even YOU!
"There are so many styles of swimwear to choose from, especially if you are a women. With more options than ever, all women regardless of size or shape, can feel stylish wearing swimwear at the pool or on the beach this season."Summertime is inevitably a season when we all at some time or another bring out the swimwear. Whether it is at the beach, camping or the cottage, the warm weather and tantalizing water encourages a refreshing swim. There are some on the other hand who may not even use their...
Toyo tires Flattering Swimwear for Everyone ? Yes, Even YOU! Crisis Fund
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