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Killer Commute? Here’s How to Stay Productive

Getting to work can feel like a job all on its own if you have a killer commute to tackle every day. Commuting on your own, carpooling, or using public transportation can get you where you need to go while draining away your energy for the upcoming day.

Commuting can be especially frustrating if you’re one of the workers facing travel times of an hour or more both ways every day.

Fortunately, you can snag your productivity back from the jaws of your commute. Check out these tips for staying productive during your commute so you can make it to work ready to seize the day.

Stay Focused and Protect Your Motivation

Driving on the same roads every day and battling traffic can drain away your energy, leaving you tired before you even get to work. Keeping your mind sharp can help ensure that you will be motivated to get through the workday by the time you arrive at your destination.

You can beat back the energy drain of commuting by:

Staying Mindful

You stay mindful by focusing on the present moment. Try to avoid letting yourself drift during a commute. Staying present might involve focusing on:

·         Physical Sensations

·         The Sounds of the Road

·         The Sights Around You

Mindfulness can also make it easier for you to accept frustrating parts of your commute, like slow traffic or bad drivers.

Engaging Your Body

Exercising during your commute might not sound feasible, but there are small exercises you can do to stay energetic. You can do a side twist by slowly twisting your torso from side to side. You can also practice hand-squeezes. Some people even choose to walk or bike for part of their commute to stay active.

Focus on the Day Ahead

Commute time can give you a chance to plan out your upcoming day. Rehearse any speeches or presentations you need to make. You can list out your goals for what you want to accomplish at work and go over them. Take a moment to breathe deep while you’re planning out your accomplishments.

Increase Your Commute-Time Productivity

Some commuters spend an hour or more getting to and from work every day. You can reclaim this time and use it productively in several ways. Planning is the key to making your commute productive. Make sure you get the most out of your trip by:

·         Making Sure All Your Devices Are Charged

·         Packing Extra Battery Packs

·         Gathering All Your Supplies

·         Planning Tasks You Want to Accomplish

It’s important that you have a plan to guide your work, as this can keep you from getting distracted and disheartened on the road. Knowing what you plan to accomplish will help you stay focused and productive as you travel. Depending on your commute method, you might be able to use your travel time to:

Strategize Your Work

Commuting often doesn’t allow for a lot of hands-on work. But it does give you time to take a deep breath and think about your overarching goals at work. Taking time to come up with a strategy means you’ll arrive on the job ready to go out and seize the day.

Staying productive might involve a daily session of strategizing and reviewing your options. You can:

·         Brainstorm Ideas

·         Go Over Your To-Do List

·         Explore New Ideas

Handle Catch Up Work

Do you have an inbox full of messages that need replies? You can knock out messages if you’re using public transportation or a ridesharing service for your commute. You can clear up these time-consuming tasks during your commute to free up work time for more in-depth activities.

Learn Something New

Podcasts, audiobooks, and online language learning options make it easy to broaden your mind during your commute. You can focus on information directly related to your job or branch out and explore new information.

Anyone can listen to something, which makes this a great option if you’re behind the wheel during your commute. You also have the options of bringing along newspapers, magazines, or books to read while someone else drives.

Record Your Thoughts and Ideas

Don’t forget to keep track of your moments of inspiration during your commute. If you aren’t behind the wheel, you can write down plans and strategies. If you are driving, you can use voice capture to speak your thoughts aloud and ensure they’re recorded.

Keeping track of the work you do on the road can help you stay motivated. You’ll then be able to see the direct benefits of your commute-time work.

Many of us don’t look forward to our daily commutes. Travel time can feel like a drain on your energy levels before you ever get to work. Fortunately, you can handle your killer commute by staying focused and productive.

Make sure you’re ready to take charge by turning your commute into a time to plan for the day, handle important tasks, and learn something new.

The post Killer Commute? Here’s How to Stay Productive appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/killer-commute-heres-how-to-stay-productive/

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An Insider’s Guide to Hilton Head SC

Hilton Head, S.C. is an island escape without the overseas flight. Located off the coast of South Carolina, Hilton Head mixes the charm of southern hospitality with the luxury of paradise. This island destination is popular with tourists who are looking for amazing beaches, great food and family entertainment and recreation. But, for couples, Hilton Head also is the ideal retreat for a honeymoon or just for a romantic escape.

More than 40,000 residents call Hilton Head home, and, while this population isn’t exactly super small town, it’s also not as busy as bigger cities like Charleston. Hilton Head isn’t lacking in excitement, and visitors will find that the island features a long list of activities, sites, sounds and tastes to stay busy for an extended vacation.   

Of course, an island vacation means fun in the sun…and on the beach! Plan to spend time enjoying the sand, surf and beautiful weather. But when you want to venture out, here’s everything to do, see, eat and enjoy when visiting Hilton Head Island.

Outdoor Recreation

Temps range from the high 50s (in January) to the high 80s during summer; so no matter what time of year you visit, plan to spend some time enjoying the nice weather outdoors. Although, you probably won’t want to swim in the surf during winter…unless you bring a wetsuit!

See the Dolphins

Take a cruise to see the dolphins frolic in the ocean. Several companies offer dolphin cruises and there also are different cruise options! Prices, and cruises begin in March and run through November.

Water Sports

Outside Hilton Head offers many opportunities for families to get out and play in the water. Take the family water skiing (on calm waters), go kayaking, try surfing or take a serene fishing trip. Water sports are great opportunities for bonding and family fun! Prices vary per experience.

Visitors also can rent boats, kayaks, paddle boards and jet skis at Sea Monkeys Watersports. The company provides nature tours, too!

A View from Above

Looking for a unique vacation adventure? Take a helicopter tour to see the island from above. Thrill seekers can choose to take the tour with no doors on the helicopter! Take the family or make it a romantic journey; this is also an amazing way to pop the question! Prices vary per tour package.

Great Golfing!

Hilton Head Island is an ideal destination for golfers. So, if you’re looking for the links, there are many golf courses available for play on the island. With the selection of courses available, you can choose the public course that’s right for your style, price point and ability.

Beaches

No matter what time of the year you visit, you’ll want to stroll along one of the island’s many beaches. No trip to an island is complete without walking along the shore and watching a beautiful sunset…or sunrise. During the summer, play in the waves and enjoy the sun and sand. If you’re taking the kids, don’t forget to pack shovels and materials to make sand castles. But if you forgot those sand toys, just head to a local store to stock up.

Depending on where you book your stay, your hotel or resort may be located on a beachfront. However, if you’re not staying on the beach, there are many public beaches to explore on the island. According to Discover South Carolina, those staying at the Marriot Grande Ocean Resort can easily walk to Alder Lane Beach. Other public beaches include Coligny Beach, Burkes Beach, Driessen Beach Park, Fish Haul Creek Beach, Historic Mitchelville Freedom Park, and Islanders Beach Park. Choose the beach that’s closest to your vacation rental, B&B, hotel or resort!

Museums

You can’t stay outdoors all day; well, ok, you can, but there is way too much left to explore on Hilton Head! Whether you want to gaze upon fine art, play with hands-on exhibits or need a place to explore with the kids, be sure to pay a visit to these great museums and cultural venues.

The Sandbox

Don’t be afraid to get your hands dirty! The Sandbox encourages kids (and adults) to touch the exhibits and explore them thoroughly! Let kids use their imagination as they “shop” at the grocery store, work at a café, pretend to fly an airplane, help build a house and much, much more. Admission is $7 for kids and adults; seniors and military receive a discounted price.

The Coastal Discovery Museum

This is an outdoor experience for the whole family. Learn more about the rich history and natural beauty of Hilton Head and the importance of conservation and preservation. Hike and explore the vast property, including historic buildings. This site is free for all, but donations are accepted.

Hilton Head Symphony Orchestra

Credit Andrew Yee

If you’re on the island for romance, or if you want to add a cultural element for a family vacation, buy tickets to a symphony concert. The Hilton Head Symphony Orchestra holds concerts from January through May; ticket prices vary.

Hilton Head Island Art Festival

Memorial Day weekend is the time for the Hilton Head Island Art Festival. This is an outdoor festival exhibiting lots of amazing artwork, including jewelry and sculptures. Pets are welcome, if they are leashed and friendly.

Shopping

Of course, you need a souvenir to remember your trip. Or maybe you can’t resist any local shopping scene; you won’t be disappointed, as Hilton Head is home to many unique local boutiques. Explore downtown and hidden treasures tucked away throughout the area. You never know what you might find, from clothing to crafts and even amazing paintings. If you’re a thrift store aficionado, check out the thrifty stores on the island. There’s always room for a bargain!

Don’t Forget the Dog!

If you’ve brought your favorite fur baby along for the vacation, head to the dog park located in Chaplin Community Park. Yes, your dog can be let off the leash…but only if s/he isn’t aggressive. Dogs also are allowed on beaches during certain times; however, owners should always clean up after pets. Be respectful! For all the beach rules concerning pets, visit HiltonHeadIsland.org.

A Taste of Hilton Head

When all the island life leaves you hungry, Hilton Head has you covered. There are many restaurant options on the island, and there’s something for every budget and taste bud. Check out these local dining spots:

A Lowcountry Backyard Restaurant

This restaurant was highlighted on the Travel Channel show Food Paradise! Dine on Potato Chip Meatloaf, burgers and other favorites. Or try house favorites like Shrimp & Grits or Seafood Purloo! There’s also a kid’s menu for younger diners. So how much will you drop? A burger is $11.95, Seafood Purloo is $23.95 and kids’ meals range from under $5 to $7.95.

Palmetto Bay Sunrise Cafe

You can order breakfast anytime! Choose from different types of Eggs Benedict, including the Crab Cake. Or order up a breakfast burrito or one of the many other classic breakfast favorites. Since you’re in Hilton Head, though, there is, of course, a Shrimp Hash on the menu! Not feeling the breakfast menu? Opt for a sandwich, a salad, soup or a heavier entrée (yes, there’s even a New York strip steak!). Breakfast dishes start at around $3.99 (for a half-order of biscuits and gravy); the most expensive entrée is $14.99.

Fat Baby’s Pizza & Subs

Looking for a place that offers just about everything? Head to Fat Baby’s to grab pizza, subs, pasta, calzones, burgers, hot dogs and even wraps! No one will leave hungry, and even the pickiest eaters should find something they like on the menu.

Hilton Head Ice Cream

Need dessert and something to cool you off? Hilton Head Ice Cream offers tons of flavors and bakery treats too! Feeling spicy? Try the Chocolate Cayenne! Or opt for something a little more traditional like Mint Chip. Don’t be surprised if kids are drawn to the Birthday Cake flavor! If you’re looking for an ice cream alternative, try the sorbet.

Sweet Carolina Cupcakes

Who can resist a cupcake? The menu might change with the season, but you’ll always find a cupcake flavor you can’t resist at Sweet Carolina Cupcakes. So what’s on the winter menu? Wedding Cake, Snickerdoodle, Carrot Cake, Peanut Butter Cup and more. Specialty flavors rotate through the week, but flavors like Classic Chocolate, Classic Vanilla, Red Velvet and Sweet Carolina are offered every day.

Duck Donuts

It seems like every town has its own donut shop. Duck Donuts bakes up classic favorites like Cinnamon Sugar, but it’s the iced donut selection that will leave you stumped about what to order. You can indulge in flavors like Chocolate Icing with Toffee Crunch & Marshmallow Drizzle, Peanut Butter Icing with Toffee Crunch & Hot Fudge Drizzle, Chocolate Icing with Toffee Crunch and many more. Good luck choosing…or just order a dozen and leave extra happy!

Hilton Head Island is a perfect island destination that won’t necessarily require you buy pricey plane tickets. If you live in a nearby state or if you’re ready to take a major road trip, Hilton Head may be the best bet for an island getaway for the whole family. Of course, Hilton Head also is a romantic choice for honeymooners or those just needing a romantic getaway. Head to the beaches, take a dolphin cruise or fly overhead via helicopter and see all this island has to offer. When you’ve hit the beach—and the surf—too hard, escape to a museum, a quaint boutique or just grab some dinner at one of the many restaurants on the island. No matter how long you stay, there is always something to do and see in Hilton Head!

The post An Insider’s Guide to Hilton Head SC appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/an-insiders-guide-to-hilton-head-sc/

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License to Drive – A Parent’s Survival Guide to New Teen Drivers

Fifteen is typically the age when teens take their written test in hopes of qualifying for their driving learner’s permit. For a year, many will practice driving around town, on highways and in parking lots to master the skills needed for that much-coveted license to drive. While teens see the driving privilege and the age of 16 as a rite of passage and a path to independence, parents tend to face the milestone age with more apprehension.

The driving statistics for teenage drivers illustrate just why parents worry when kids take the driver’s seat. According to DoSomething.org, new drivers (age 16) are the most prone to accidents. Even more unsettling? More than half of teen drivers talk on the cell phone when they are behind the wheel. And it’s distracted driving that has become one of the leading causes of deaths on the road. In fact, in 2016, more than 3,000 people died because a driver was distracted.

Parents can help teach new teen drivers how to be smarter (and safer!) behind the wheel by educating them about defensive driving techniques and good driving habits. While teens learn the basic rules of the road from state driving manuals, there are many other skills and engrained routines that will help keep teens safe on the road.

Driving Schools

Parents are often a teen’s first driving instructor. However, some teens need a little more professional guidance and a driving school or professional driving lessons could be the ideal option. Some schools, though, can be costly. However, one of the more inexpensive options can often be found at your teen’s school. Many high schools offer driver’s education courses that teach kids the basics of driving and the rules of the road. Fees for driver’s ed classes vary per school, though.

Non-profit organizations also may offer driving courses. Look for non-profits that are focused on teen safety or distracted driving awareness. Some organizations—like Doug Herbert’s B.R.A.K.E.S.—offer free courses but require that parents put down a refundable deposit. Online classes may be less expensive, although they won’t provide on-the-road instruction.

Budgeting for Driving Schools

Some areas might not have access to low-cost schools or programs, but parents may still want their teen to have professional driving instruction. Budgeting for expensive driving schools might mean cutting out fast food or entertainment expenses. Parents also can encourage teens to help earn money to pay for lessons. Teens may be able to mow lawns, babysit or take on another part-time job to earn the extra cash for driving school.

Safe Cars for New Drivers

The car that your teen drives also may help keep them safe on the road. While many parents might not have the budget for a new car for their new driver, they can investigate used automobiles. And some models might be better suited to less experienced drivers.

So what size car is ideal for new drivers? Larger automobiles are considered safer options, although mid-sized cars and SUVs might be a better option for maneuvering into tight spots.

Cars that accelerate to high speeds can be a dangerous—and potentially deadly—temptation.  The IIHS-HLDI advises parents to avoid allowing teens to have access to cars that boast high horsepower. Also, before teens secure the keys to any vehicle (even the family automobile), be sure that the car is up-to-speed on safety: lights should be in working order, fluids should be topped off, brake pads should be checked, etc.

Parents also need to decide on automatic or manual transmission options. Obviously, if a teen learned to drive on a manual transmission, then either option should be just fine. But learning a manual transmission takes some time, and some people NEVER catch on. So be sure that your teen is secure with the stick shift before sending them on their way. Otherwise, opt for an automatic!

Insurance Issues

Once teens earn their license, they also need to secure insurance. Insurance for new drivers can be incredibly expensive. If parents can’t afford the premium increase, then teens need to find a way to help pay for their coverage. To ensure that you get the best deal on auto insurance, shop around and review all the quotes and coverage options. Some companies may offer discounts for good grades. Never, ever, let your new driver on the road without insurance coverage!

Discuss Distracted Driving & Establish Guidelines

Distracted driving is dangerous, but it could also be lethal. Parents should discuss safe driving expectations with teens and establish guidelines for road privileges. Some parents create driving contracts that outline all the rules and responsibilities that are required for driving alone.

Cell Phone Use

Teach teens that using a cell phone while driving is dangerous. Distracted driving laws vary across the country, and a violation could lead to a fine. However, some states have extremely stringent guidelines about distracted driving, so it is very important that parents (and young drivers) understand the laws and the penalties in their state.

So how can parents set cell phone limits? Some phones can be disabled while a teen is driving…although they remain functional for emergency calls.  Proactive conversations also are important, so teens understand boundaries and expectations.

Other Distractions

Cell phones aren’t the only distractions while driving. Adjusting the thermostat, changing a radio station, eating and talking to friends can also take attention from safe driving. Parents may want to limit the number of friends in the car (or even prohibit teen passengers), and parents should teach drivers when is the safest time to adjust in the car (turning the station, etc.).

Drugs & Alcohol

Teens need to understand that it is never OK to drive impaired or under the influence in any way, and they should know to NEVER get in the car with anyone who has used drugs or alcohol. However, while the legal drinking age is 21, drinking and driving among teens remains problematic. The National Highway Traffic Safety Administration notes that “in 2016, almost one out of five teen drivers involved in fatal crashes had been drinking.”  Every year, thousands of people lose their lives because of drunk or impaired drivers. In fact, every year drinking and driving kills more than 10,000 individuals.

Nighttime Driving & Other Limitations

Parents of new drivers also may want to discuss time limitations for driving privileges. Some parents are not comfortable with allowing teens to drive at night or during bad weather. Teens should have boundaries as to when they can drive solo and what time periods are off limits.

However, at some point, teens need to understand how to navigate during dusk or darker periods and how to maneuver in bad weather. To help teens grasp the fundamentals of driving in bad weather, parents can help them practice in open areas like empty parking lots or streets with minimal traffic. Parking lots are ideal for helping teens navigate snow and learn how to brake properly during bad weather conditions.

Rewards for Safe Drivers

In the beginning, the rules for new drivers may be expansive. As teens exhibit more responsibility and show that they can be trusted to make smart driving decisions, parents may want to loosen the reins a bit. Eventually, all teen drivers will become adults who will make their own decisions—good and bad.

Set driving goals for new drivers that allow them to earn more driving privileges. For example, a year without accidents or a ticket can lead to more freedom on the road (in safe ways, of course). Parents should set their own goals and reward systems for newly-licensed teens. However, parents need to keep in mind that absolute independence is the eventual result once a teen becomes a legal adult.

When Teens Become Dangerous Drivers

Some new drivers might prove to be reckless on the road. Maybe they’ve had an accident, or the tickets are piling up. Parents of teens who exhibit poor driving choices and dangerous habits should evaluate the situation. While the situation may warrant driving school, it also may mean that the driver isn’t yet ready for the driving privilege. Parents need to be prepared to set penalties for poor choices. When creating the rules for driving, consequences for breaking those rules need to be very clear. Some parents may take away the keys. Others may create driving curfews. When you set consequences, follow through!

Fun Fact: Did you know LoanCenter offers auto loans and even offers a variety of cars you can browse online?

Driving is a privilege, not a right. And when teens turn 16 and earn their driver’s license, parents should be prepared to set rules and boundaries to ensure safety. Distracted driving and impaired driving can be lethal. It’s up to parents to educate teens about driving safety that goes beyond the basic rules of the road (like speeding!). Some parents may wish to create a driving contract that outlines all the details for driving privileges. However, the contract also should include rewards for safe and smart driving as well as consequences for those who don’t follow the guidelines of the driving contract. The goal for parents is to turn new drivers into safe and experienced drivers who don’t just understand driving laws but who also know how to engage in defensive driving habits. Because street smarts can be the difference between life and death on the road.

The post License to Drive – A Parent’s Survival Guide to New Teen Drivers appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/license-to-drive-a-parents-survival-guide-to-new-teen-drivers/

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How to Prepare for Tax Season in 5 Simple Steps

Spring means warmer weather and a new beginning. But it also means tax season. Read about some helpful tips for how to prepare for tax season and make this year’s filing a breeze. Get Ready to Do Your Taxes Know which forms you’ll need. W-2, W-4, 1040, 1099, and so many more. There are different types of tax forms required for different types of jobs. Your employer should mail the appropriate form to you sometime after January 1. If you don’t have anything by March, you should probably ask your employer for them. It’s also wise to keep all of your tax forms in one place. Decide how you wish to file. You can take your tax forms to a […] from News And Updates About Loans http://carolinacashfast.com/blog/prepare-tax-season-5-simple-steps/

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Here are the Secrets to Getting the Best Deal from a Car Salesman

The words “car shopping” can be enough to strike despair into the heart of anyone. Most of us picture several unpleasant scenarios when we consider car shopping: sitting in a waiting room, haggling for a fair price, and driving off unsure if you got a good deal.

Fortunately, you don’t have to go into the car buying process unprepared. There are tactics that can work to make purchasing a car easier and less stressful on your wallet. Here are a few secrets to get the best deal from a car salesman.

Success Begins with Preparation

You can just walk into a car dealership, pick out a vehicle you like, and sit down at buy it. But have a lack of strategy can end up costing you a lot of money. The real secret to getting the best deal on a new vehicle often begins with some preparation at home. Before you head to the dealership, you should:

Research the Vehicles You Want

The internet makes it easy to get a lot of information about the vehicles you might be interested in purchasing. Narrow down vehicles at home, focusing on the features you want and your price range. Some drivers also focus on the color they want. Note that the color of your vehicle can make re-selling later easier, so you might want to consider picking a perennially popular color like silver, white, or black.

You can use sites like U.S.News to learn about what the vehicles you are interested in should cost. Understanding what a fair price would require you to learn a bit about the different prices used in the world of car sales, including:

·         The MSRP (Manufacturer’s Suggested Retail Price). The MSRP is often the sticker price on a vehicle. This represents what the dealership would like you to pay. You should aim to pay below the MSRP.

·         The Invoice Cost. You can think of invoice cost as the amount of money a manufacturer would like a dealership to pay to purchase a vehicle. This number is often above what a dealership pays for a vehicle.

So, if both the MSRP and the invoice cost do not reflect hard and fast costs in the car buying world, what can they tell you? These prices give car buyers a place to start. Car buyers that know roughly what they can be expected to pay will have an easier time avoiding dealership schemes. Print off the information you find to back you up when you visit the dealership.

Research the Value of Your Current Vehicle

The majority of car buyers already have a vehicle that they are planning to sell or trade-in alongside their new purchase. It is very important that you research your current vehicle’s value before you begin the car buying process. Do not trust the dealership to give you a fair price out of the kindness of their hearts.

Sites like Kelley Blue Book can provide you with a rough estimate of what you might receive if you sell your old vehicle or trade it in. If you’re interested in online sales, you can even check auction sites like eBay Motors to see what vehicles like yours are going for.

You may also decide that you would rather sell your old vehicle on your own, without involving the dealership. You can often get more money for your vehicle by selling it privately. You can then use the money from the sale for whatever you want, including a down payment on a new vehicle.

Some people are not looking to get rid of their current vehicle at all. After all, maybe your family is growing and you need a new vehicle. You might be able to get the money for a down payment on a new vehicle by taking out a loan with your bank, the dealership, or with a car title loan.

Research Pre-Approved Car Loans

Car dealerships can make a lot of money by financing your vehicle. The interest payments you make on your vehicle add up and can fill the coffers at your dealership. Fortunately, you do not have to just accept a dealership financing deal.

New car buyers can secure pre-approved car loans before they ever head to the dealership. If you aren’t sure where you can go for a car loan, you can check out the rates you can right here on LoanCenter. Visit our auto loan page, and you can find how much you qualify for and even check out an online inventory of vehicles.

Research Any Special Deals

Sometimes, car dealerships run special deals to move vehicles that might be:

·         Ending Their Product Cycle

·         Not Selling as Expected

Some of these deals are heavily advertised, but others are not. You can check dealership websites to see if any specials are going on that might apply to the vehicle you are interested in buying.

You’re Ready to Visit the Dealership

Alright, so you’re armed with information about the vehicle you want, your old car, your financing options, and any relevant deals. That means it is time to visit a car dealership. Note that many people are buying cars online, which is a great way to get a vehicle. However, it is still recommended that you visit a dealership, at least to test drive the car that interests you.

Keep these tips in mind while at the dealership:

Remember to Shop Around

Many of us live within driving distance of several dealerships. However, there are only so many hours in the day. You do not have to physically visit each dealership that offers the vehicles you are interested in. Instead, you might contact a sales manager by phone or over the internet to discuss price quotes.

Car sales is a free market, which means you are allowed and encouraged to work to get the best price. Let other dealerships know if you are offered a better price elsewhere; they might match the price, or even underbid the other dealer.

The secret to getting the best deal is often printing out all the information you found about:

·         Prices Offered at Other Dealers

·         Sales

·         The Trade in Value for Your Vehicle

Bring this physical proof with you when you go to the dealership, so you can’t be pushed around or fed misinformation by salespeople. Don’t be afraid to walk away from a deal that doesn’t make sense for your budget.

Pick the Right Time

There are many sayings regarding the best time to buy a car. Some people say to go at the end of the day, others at the end of the month, or at the end of the year.

It turns out that there is a grain of truth in some of this accepted knowledge. Most car dealerships have sales goals that they expect to meet. Unfortunately, it can be hard for a car buyer to know when these sales goals will come due. Many dealerships set goals on a quarterly or yearly basis, but each dealership is operated differently.

Note that there are some days of the week that are better for car shopping than others. Dealerships are generally very busy on the weekends. This means that salespeople might not offer you much attention if they don’t think you’ll be a pushover. You can expect more time and attention if you visit a dealership during the week.

Always Stay Professional (Not Emotional)

Buying a car is a big decision that can impact your life for years to come. Most of us drive our vehicles every day, and it’s easy to get attached to the idea of the ‘perfect vehicle.’ The truth is, dealers are counting on you to get emotionally tied to your vehicle, so they can push you around on price.

Staying detached from your purchase can save you money in the long run. You’ll negotiate better with a clearer head, and sales people are more likely to treat you fairly if you are polite and pleasant. Becoming aggressive or mean-spirited will often work against you.

As with any other purchase, you also need to remain willing to walk if you aren’t getting a fair deal, or if you think the dealership is wasting your time to wear you down. Don’t be afraid to politely leave, letting the salesperson know that they can reach you if they find a way to get the vehicle into an acceptable price range.

Learn What to Expect in a Negotiation

Buying a car is often stressful because most of us do not negotiate the prices for other items we buy in our life. Most products or services have set prices and you’d be laughed out of the store if you tried to haggle them down. This means that negotiating is a skill most of us don’t get to practice, except when the time comes to buy a car.

With that in mind, keep these tips in mind as you plan to negotiate for your vehicle:

Don’t Show Your Hand

Buying a car isn’t quite a gamble, but it can feel like one. Make sure that you are careful about the information you share with a salesperson. Once you state your lower limit for a price, you won’t be able to walk that information back.

Focus instead on getting information from the salesperson. Find out what they want you to pay for the vehicle, so you have an upper limit to work with, and then focus on getting the price down. You can do this by:

·         Making Your Offer

·         Backing Up Your Offer with the Information You Brought Along

·         Waiting

Sitting can be uncomfortable, but let the salesperson lead the conversation to stay in a strong position for your negotiation.

Understand Dealership Strategies

Be aware that some dealerships will attempt to frustrate you into accepting a deal by making you wait for long periods of time. Do not be afraid to politely inform the salesperson that you will have to leave if they do not currently have time to help you.

Salespeople may also try to guilt you into purchasing a vehicle at a price that isn’t right. Don’t buy it if a salesperson complains about the time they spent talking to your or going on a test drive. They are only doing their job, after all.

Do Your Own Math

Most of us carry our phones everywhere, and most phones come with calculators these days. Salespeople can throw around figures and calculations that sound better than they are. Do the math yourself to make sure you aren’t taken in by a lot of numbers and figures.

Stay Strong Until the End

You haven’t successfully purchased a car until after all the paperwork is signed. This means that you will likely also have to negotiate when it comes to financing. Fortunately, you should have the research you did on pre-approved car loans to give you a leg up when it comes down to focusing on financing.

Dealing with Add-Ons

Note that car salespeople may also try to convince you to accept a bunch of extras and add-ons after settling on a vehicle. Most of these add-ons are simply not worth it, and they end up increasing your total price. You can always add on these extras later, if you really want, so don’t let a salesperson push you into adding them in the financing office.

Check the Fine Print

Buying a car means signing a lot of documents. You’ve made it this far. Take the time to carefully read all the papers put in front of you. Don’t ignore mistakes in the price or any other term included in the document.

And that’s it! You can summarize these tips and secrets together by:

·         Researching the Vehicle You Want, Your Trade-In, and Car Loans Before You Go

·         Shopping Around and Picking the Right Time

·         Staying Professional and Unemotional

·         Focusing on Your Negotiation Strategy

These steps can help you get the best deal from a car salesman, so you’re ready to drive home with the perfect new vehicle.

The post Here are the Secrets to Getting the Best Deal from a Car Salesman appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/here-are-the-secrets-to-getting-the-best-deal-from-a-car-salesman/

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The Difference Between Payday Loans and Car Title Loans

A loan is always there in a pinch. But just as there are many reasons for needing a loan, there are also several different types of loans. Two popular types of loans are payday loans and car title loans. Let’s look at the difference between the two to help you decide which one better fits your needs. What is a Payday loan? A payday loan is a type of short-term loan where the borrower simply writes a post-dated check to the lender for the amount of money needed plus some interest. The loan is paid out to the borrower immediately, and the check is not cashed by the lender until the agreed upon date. The agreed upon date is typically […] from News And Updates About Loans http://carolinacashfast.com/blog/payday-loans-vs-car-title-loans-what-you-need-to-know/

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I Really Needed a Big Tax Refund This Year…But I Didn’t Get It. Now What

For many families and individuals, filing a tax return leads to a refund. For others, though, that year-end return means writing a check instead of receiving money back. No tax filer should ever bank on a refund, but unfortunately, underpayments are a reality.

Adding insult to tax injury is the fact that January and February often usher in bills from holiday spending. The time has come for families to pay the credit card debt that accumulated to ensure a happy holiday season. According to Nerdwallet’s 2018 Holiday Shopping Report, pulling out the plastic was the planned payment method of choice for 73 percent of consumers. Most of these consumers weren’t naive about how long it would take to pay off those charges, either. Nerdwallet’s report noted that, per the respondents’ estimations, clearing off holiday debt would take some time—more than three months, in fact.

When money is tight, an infusion of extra funds from a tax refund may often be a family’s beacon of hope to ease their debt. According to a survey from GoBankingRates, 27 percent of respondents have earmarked their future (or hopeful!) refund for debt reduction.

What happens, though, when you expect a refund but receive a tax bill instead?

If you were expecting a big tax refund to pay off holiday debts or other unexpected expenses, having to make another payment can be a devastating blow to your finances. Even if you don’t get a tax bill, a smaller refund than expected can still pack a punch. Holiday bills are looming overhead, and credit card companies are expecting their payments.

Now is the time to look into other financing options.

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (or HELOC) is a loan that uses the equity of your home as collateral. So what is equity? The equity of your home is the difference between the outstanding loan principal and the appraised value of your home (basically, what you can sell it for on the market). Equity value can change over time and with the flux of the market. Paying down your mortgage principal can help increase equity, and the state of the real estate market can affect it, too (for better or worse).

Home values depend on many factors, and each real estate market may be different. However, if you’re interested in pursuing a HELOC, you need to talk to your bank or lending institution. Some homeowners apply for a HELOC with their current mortgage lender; others use a different bank or lender. Your credit score may affect the terms of your loan and the interest rate you can secure. Your loan also is based upon the equity limitations, so don’t expect an unlimited line of credit.

When you take out a HELOC, you are borrowing against the equity in your home, which could impact your finances if you need to sell your home in the near future. If you max out the equity in your home, selling could get complicated. So before you sign on the dotted line, make sure you understand the terms of your HELOC. This includes interest rates, any loan constraints, and the credit limit tied to your equity. Talk to your lender if you have any questions or concerns.

Payday Loans

Taking an advance on a future paycheck also can be a way to access money now. Payday loans allow consumers to receive money before their next payday by using the upcoming paycheck as collateral. Payday loans typically include a fee for the advance and the full amount is then owed when the paycheck is received.

There may be borrowing thresholds that limit the minimum or maximum borrowing amounts. Guidelines for these loans also may vary by state.  Understand all the fees associated with these loans as well as repayment expectations. Payday loans are meant to be a short-term solution; be sure to talk to the lender if you have any questions about these loans.

Title Loans

The equity in your car also may help secure emergency money. Title loans use the value of an automobile as collateral for the loan. Like payday loans, they are meant to be short-term solutions. While interest rates vary, they are typically higher than traditional loans. Individuals with poor credit may qualify for a title loan, but the interest rate may be even higher because of the credit risk.

There may be limitations on the minimum and maximum loan amounts. These amounts may be guided by state regulations and/or the lender. Recreation vehicles (RVs) and motorcycles also may be used for these loans, but, again, the loan value may be capped.

Loan amounts also are limited to the equity or resale value of an automobile. And there are many factors that affect the value of a car, truck, van or SUV. Age, condition, make/model, and mileage all can increase or lower the value. The title of the automobile also has to be ‘clean.’ A salvage title cannot be used for a title loan.

Always review the terms and conditions of your loan so you understand the APR and payment expectations. Again, title loans are meant to be short term solutions to a financial need. Those who already have a title loan but may be struggling to make payments because of high interest rates also can investigate refinancing the loan. Better terms may lead to lower payments.

Tax Return Loans

If a tax return shows a refund, you may be able to take an advance loan against that refund. H&R Block offers these loans. According to the H&R Block web site, there is a zero percent APR for these loans. And once your refund is received, the amount of your loan is deducted from your refund. They can also be taken via Refund Transfer (although H&R Block notes that this choice is optional).  Consumers may choose how much of an advance they need; amounts range from $500 to $3000. However, be aware that not everyone may qualify for these loans.

This type of loan may be an ideal solution for those who are expecting a refund but cannot wait for the IRS to process their return (and deposit the refund). And H&R Block isn’t the only option; according to the Detroit Free Press, TaxSlayer, Liberty Tax, and Jackson Hewitt offer similar loans.

While many families are hoping for a massive refund this tax season, not all filers will get good news on their return. For those who aren’t getting a large refund, there are options when finances are tight and holiday bills are busting the budget. A HELOC, payday loan, title loan or refund advance may be an option to help pay for unexpected expenses and/or credit card bills from holiday spending. Before you sign on the dotted line with any lender, though, be sure you understand all the loan terms including your annual percentage rate and repayment expectations. A loan should not add to your financial stress or drag you into deeper debt.

The post I Really Needed a Big Tax Refund This Year…But I Didn’t Get It. Now What appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/i-really-needed-a-big-tax-refund-this-year-but-i-didnt-get-it-now-what/

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What’s Actually Under the Hood of Your Car

Ever have a check-engine light come on and weren’t sure what was happening under your hood? Here’s a handy guide for the most common car-parts you may find under your hood.

The post What’s Actually Under the Hood of Your Car appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/whats-actually-under-the-hood-of-your-car/

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How to Capitalize on Investing in 2019

For many people, a New Year’s resolution is to start saving money. For others, it’s to stop saving money and start investing money. But if you’re new to investing, you may not know where to start. No worries. We’ve got you covered. Below are five good tips for anyone investing for the first time in 2019. Investing in 2019: Your Guide Gold Gold is generally considered a safe investment and many investors use it to diversify their portfolio. The value of gold is based on supply and demand, and gold is used in everything from jewelry and computers to dentistry and the aerospace industry. One advantage of investing in gold is that it often performs best when the rest of […] from News And Updates About Loans http://carolinacashfast.com/blog/investing-tips-for-2019-5-ways-to-give-yourself-a-boost/

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An Insider’s Guide to Huntington Beach, CA

Huntington Beach might just be the perfect beach town. While the California city offers many options for recreation, culture and delectable dishes, it’s also low-key enough to be an under-the-radar tourist delight. Those in the know understand that Huntington Beach is a dream destination that’s more relaxed than the craziness of larger coastal cities like Los Angeles and San Francisco but also offers plenty of must-see hot spots.

More than 200,000 live within the city limits of Huntington Beach, and this city is in no way a small town. But the laid-back vibe of the coastal lifestyle keeps this beach town chill, relaxed and the ideal destination for those seeking refuge from larger tourist locales.

So, what is the inside scoop on Huntington Beach? Here’s everything you need to see, do and eat when you’re heading to Huntington Beach.

Museums & Landmarks

International Surfing Museum

Huntington Beach’s moniker is Surf City USA, so, of course, this city has a museum paying homage to this sport. See exhibits like Surf2Skate or check out concerts during Surfin’ Sundays. The museum is extremely budget-friendly; visit for just $3!

Newland House Museum

The Newland House is the oldest in Huntington Beach! Learn about the Newland family and tour this expansive home, including the unique tower room, the sleeping porch where several of the girls slept (there are seven Newland sisters!) and more. The tour costs $2 for adults and only $1 for kids.

Surfing Walk of Fame

L.A. has the Hollywood Walk of Fame, but Surf City has the Surfing Walk of Fame! Located on Main Street, you can see the stars who owned the waves. Take a snap of your favorite star. Of course, it’s always free to stroll along the walk of fame.

Huntington Beach Art Center

The gallery is open Tuesday through Sunday. However, check out the Art Center’s web site for upcoming shows, exhibits and events. An art camp is offered during the summer for kids (6 to 12). Those interested in learning more about their own artistic talents can take a class from a professional artist.

Duke Kahanamoku Statue

 Duke Kahanamoku isn’t just the ultimate surf legend, he is noted as the “father of modern surfing.” Visit his statue, which sits outside Huntington Surf & Sport.

Car Shows

Surf City is big on car shows. So, if you’re visiting, you need to see the cars that make this city unique. Shows are held throughout the year, so, chances are, there will be something to see whenever you visit.

Concours d’Elegance

This car show features classic cars and motorcycles. The show is held in early June and admission is $10 a person per day, but discount admissions are available if you buy 2-day passes. Children under the age of 16 are free.

Huntington Beachcruisers

According to the website, this event “is open to all “Beachcruisin” vehicles manufactured through 1967. If you hauled your board, buddies, or babe to the beach in it, it’s a beachcruiser.” Proceeds from the event help the community and are also used to benefit the National Woodie Club Scholarship Fund. The best part? Spectators pay no admission price!

Surf City Veteran’s Day Car Show

Check out lots of classic cars, cool motorcycles and more. There is no fee to watch the show, but exhibitors must pay to register their vehicle. Proceeds help benefit non-profit organizations. This show is incredibly popular, so plan in advance!

Learn to Surf!

The surf culture in Huntington Beach is part of its charm. So if you’re interested in hanging out here for a day, a weekend or beyond, you might just want to learn how to conquer the waves. So where do you go for the best lessons? Surf City is ripe with surf schools and experienced surfers willing to teach newcomers a thing or two. You’ll need a board and a sense of adventure, though!

Banzai Surf School

This is just one of many local surf schools in Huntington Beach, and lessons can get pricey. A two-hour private lesson is priced at $159 and up. But if you go in a group, you can cut that rate to under $80! For additional classes, lessons and pricing, visit Banzai Surf School online.

Corky Carroll’s Surf School

This surf school offers private lessons, surf camps and more. Rates for private lessons (two hours) are around $130 per person. Again, though, if you go as a group, you can cut the cost. You also can opt for a quick one-hour session (during the summer season) if you just want to get a quick primer. Additional classes and pricing info is available online.

HB Surf School

Private lessons, youth lessons, summer camps and more, HB Surf School offers a variety of instruction levels. Private sessions are 90 minutes and priced at $145, but, again, the cost goes down with more participants (so make it a group activity!). Lessons for younger surfing enthusiasts are $200 but include four classes. For other classes and lesson options (and pricing!), check out the school’s website.

Caliblu

Caliblue offers one-on-one lessons, group sessions and more. Choose the option that fits your needs and your budget. There’s even daily beach yoga! Want multiple lessons? Buy a package!

There are many more surfing schools and options for surf lessons available in Huntington Beach, because this is Surf City USA. Research the schools and instructors that best fit your needs and personality. Then get out there and hit the waves!

Surf & Turf

Hitting the waves is hard work and helps work up an appetite. In Huntington Beach, you’re going to want to hit the best local hot spots for great grub, drinks and decadent desserts. Luckily, Surf City is home to many, many great restaurants. And, yes, many of them are located right on the beach!

BLK Earth Sea Spirits

Lobster Mac and Cheese? Yes, please! BLK mixes up the best from the sea and land for a vast menu of yumminess! Want a burger? Choose one filled with bleu cheese…or mac and cheese! Steak is also on the menu…and ribs, too (with a side of mac!). Looking for a taste of the sea? Choose lobster, the fish of the day, salmon, sea bass and more.

Ola Mexican Kitchen

Looking for something spicy? Head to Ola Mexican Kitchen and dine on tacos, enchiladas, fajitas, burritos and other traditional Mexican fare. Interested in something from the sea? Opt for fish tacos or a fish burrito. Or a lobster taco!

Simmzy’s

This restaurant has multiple California locations and offers traditional pub fare. Burgers, fish tacos and chicken sandwiches are just a few classics you’ll find on the menu. Kids can dine on chicken tenders, burgers or grilled cheese.  

Sugar Shack Café

While BLK and Ola are on the pricier side of the budget, Sugar Shack won’t put a major dent in the wallet. Serving up breakfast and lunch, Sugar Shack Café has been feeding Huntington Beach for more than 50 years.  The menu features breakfast burritos, omelets and classic egg and meat combos as well as burgers, sandwiches and salads, too. Want something on the sweet side? Order French toast or pancakes.

The Donuttery

For breakfast or just for a sweet treat, head to The Donuttery for the ultimate menu in donuts. Classic donuts like cake (lots of different varieties!), Long John’s and jelly fill the menu. But PB&J, Salted Caramel, Strawberry Nutella and other unique flavors add to the choices. This sweet bakery also is vegan friendly and features an extensive menu of vegan sweets (including a many tasty donut flavors)! You also can grab savory breakfast classics and order up lunch, too.

The Ice Cream Way

When it’s hot, cool off with ice cream! The Ice Cream Way offers vegan-friendly, dairy-free, gluten free and sugar free options! At the Ice Cream Way, you actually create your own unique flavor. Add candies and other toppings (or mix-ins) to kick up the sweetness or add a little savory. A small size is $5.95 and the regular is $7.95.

Huntington Beach is a surfing hotspot, but this beach city also features many unique attractions that make it a must-see when vacationing on the West Coast. Visit the International Surfing Museum, stroll along the Surfing Walk of Fame and check out one of the many car shows held in Huntington Beach. Of course, Surf City USA also lures visitors with its waves; if you’re hanging out by the beach, take a surfing lesson! Many surf schools in Huntington Beach offer private or group lessons to help you master the board and the waves. Once you’ve exhausted the sights and conquered the surf, head to a beach-side restaurant to enjoy the local flavors. Surf City isn’t short on surf and turf options; if you love seafood, indulge in the local catch of the day. For the sweet side of Huntington Beach, pay a visit to The Donuttery or create your own personalized cup of ice cream at The Ice Cream Way. There are so many other unique sites and tastes to experience in Huntington Beach, so take your time, chill out and enjoy all the city has to offer.  

The post An Insider’s Guide to Huntington Beach, CA appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/an-insiders-guide-to-huntington-beach-ca/

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Kid Superfoods: How to Improve Your Family’s Diet in The New Year

Finding meals and snacks that kids want to eat isn’t always the easiest endeavor. Most kids have their list of favorite foods, and the standard kid-friendly cuisine typically features not-so-healthy choices like hot dogs, pizza, chicken nuggets and macaroni and cheese.

Nutritious foods like lean meats, fruits, veggies, whole grains and dairy are important to help keep bodies strong and healthy. According to HealthyChildren.org, children should eat two or three servings each day of both fruits and vegetables, aim for between a whopping six to 11 grain servings each day and include two to three servings of dairy and meats too! But how many parents are following these recommendations? And just how many kids are getting the nutrition they need every single day? According to Health.gov’s Dietary Guidelines 2015-2020, “about three-fourths of the population has an eating pattern that is low in vegetables, fruits, dairy, and oils.”

For parents that want to encourage their children to eat healthier as the New Year rolls in, little changes can make a big difference for picky palates. This year, help your children hit all their daily recommended dietary needs by filling their plates with nutrient rich foods to fuel their growth and please their taste buds. Integrate these superfoods into your daily menus to pack a punch of vitamins and minerals that kids need to stay strong and feel their best.

Blueberries

Blueberries are a fun food choice, because their small size and soft texture are easy for little hands to grasp.  They’re also super healthy and are a good source of vitamin C. Be warned, though, small berries aren’t appropriate for babies and toddlers as they pose a choking hazard.

Some berries can be tart, and the pucker power might keep kids from loving the taste. But making blueberries a favorite requires serving them up the right way. Turn these berries into a sweet snack with these fun hacks:

Yogurt for Dipping

Serve blueberries with a small cup of yogurt for dipping to sweeten the tartness. When choosing yogurt, opt for brands without added sugar or artificial sweeteners. Many dairies even make yogurts formulated for toddlers.

Cheese, Please

Cream cheese also may be used as a dip alternative. You can spread cream cheese on whole wheat crackers and add berries on top. Whole grains, dairy and fruit…three out of four groups accomplished!

Peanut Butter Boats

If your child has a peanut or tree nut allergy, then choose sunflower butter instead! Make peanut-butter boats by slicing a banana lengthwise, spreading each half with peanut butter, then adding blueberries as the ‘passengers.’ The sweetness of the banana mixed with the savory peanut butter takes the bite out of the berry! And kids will love this easy-to-eat snack.

Avocados

Adults love their avocado toast and guacamole, but how do you get kids to eat this smooth spreadable and yummy healthy fat and protein-packed fruit? When kids see ‘green,’ they may turn away. So make this awesome superfood more palatable by pairing it with other tasty treats.

Avocado Parfait

Remember, avocados are fruit so you can pair them with other fruits! California Avocados has a recipe for a parfait that pairs avocados and tropical fruit. You can use whatever fruit your child loves—mangoes, papaya or maybe even pineapple. Alternate layers of fruit and yogurt (the site recommends Vanilla Greek but opt for one you know your kids will eat).

Avocado Grilled Cheese

Grilled cheese is a kid staple, but you can make your child’s a favorite sandwich a bit healthier by adding in some avocado and maybe even slices of tomato.

Fruit Salad

If you’re serving up fruit salad for a snack, dice up some avocado, too! Those green avocados will add some healthy fat to a daily dose of fruit.

Eggs

Eggs are an excellent source of protein. Some kids either love them or hate them, though. Make them irresistible with these hacks:

Cheesy Eggs

Scramble eggs with cheese to change up the flavor and make breakfast more fun. You can serve cheesy eggs as a sandwich with whole grain toast, or just plate those eggs.

Eggs in a Muffin

Healthy microwave muffin recipes typically call for a pop of protein: eggs! If your child won’t eat eggs as is or scrambled, mix them into muffin batter that you can microwave in a mug. One of the healthier muffin recipes just calls for mixing about ¼ cup of oats (or flour), an egg, a splash of milk (use traditional dairy, almond or soy), and some fruit (any fruit!). Add in a tablespoon of nut or sun butter for protein. Pop it in the microwave for about a minute.

Spinach

More green! Spinach often gets a bad rep from kids; it’s leafy and green…and notoriously healthy! While your kids might want to turn their noses up at this leafy superfood, they still benefit from all the vitamins and nutrients. So, add it into their diet, but be stealthy! Make sure you wash spinach thoroughly and be sure to take note of any produce recalls.

Power Smoothie

Mix spinach into a smoothie to give kids a punch of this superfood on the down-low. Spinach is loaded with B vitamins, potassium and other vitamins and nutrients. You can mix spinach with bananas and strawberries for a fruity breakfast smoothie. Everyone has their own preference as to whether to use frozen yogurt or ice (with regular yogurt), but the recipe works either way.

Spaghetti Sauce

Puree spinach and stir the veggie into a favorite pasta sauce. This ensures kids get their leafy veggie, but you don’t have to fuss at them to eat it!

Salad

Pssst, don’t tell your child that the lettuce in that sweet salad is spinach! Mix spinach with romaine lettuce and add in sliced strawberries, nuts and apples for a decadent dinner salad. Top with raspberry or strawberry dressing.

Kale

One of the buzziest superfoods of the last few years was—and is—kale. This veggie is packed with Folate, and Vitamin A, Vitamin C and Vitamin K. Like spinach, though, kale is leafy and not necessarily a kid favorite. This veggie screams healthy…and it is. But it’s also tasty.

Kale Chips

Making kale chips is so easy. Cut up your kale, drizzle with olive oil and sprinkle with a dash of salt. Bake in the oven for a crisp and healthy snack. The full recipe can be found over at Food Network.

Kale Applesauce

Yes, you can make applesauce in a slow cooker. And that sauce is even healthier if you add kale! Use about a three pound bag of apples for a larger batch, and mix in as much or as little kale as you’d like. Cut up apples into tiny pieces and slice up your kale. Throw the mix into the slow cooker and add about ½ cup of water. Sprinkle the pieces with cinnamon and cook for about 4 hours on high or 8 hours on low.

Pumpkin

Pumpkin is one sweet gourd, and it’s also a holiday and festive fall favorite. Pumpkin can be mixed into so many recipes and snacks for a sweet and healthy snack. According to Health.com, pumpkins are filled with beta carotene and vitamin K.

Pumpkin Oatmeal

Mix in a tablespoon or two of canned pumpkin with instant oatmeal. To sweeten it up, add a little brown sugar and sprinkle cinnamon and nutmeg on top.

Pumpkin Pancakes

Having breakfast for dinner? Whole Grain pancakes can be mixed with pumpkin for a special seasonal taste. Add in apples, too, for a heartier pancake mix.

Pumpkin Mac & Cheese

Whipping up some mac and cheese? Stir in a few tablespoons of pumpkin to add in some hidden vitamins. There are many variations on this recipe, but you can even try it for that typical in-the-box staple!

Greek Yogurt

Greek yogurt tends to taste more bitter than traditional yogurt varieties, but Greek yogurt is higher in protein. If your child has an aversion to new tastes, mixing this yogurt into smoothies and parfaits takes the bite out of the bitterness!

Dark Chocolate Greek Yogurt Shake

Blend yogurt, ice, banana, a splash of milk and little bit of dark cocoa powder for a sweet dessert that’s also healthy.

Powerful Parfait

Make a breakfast parfait by layering vanilla or regular Greek yogurt with fruit and granola. You also can grab your child’s favorite breakfast cereal and add it to the mix. Greek yogurt tastes great with chocolate puffs, fruity cereals or even simple corn puffs.

Frozen Yogurt

Mix your favorite flavor of Greek yogurt with fruit or jam, and place in a freezer safe container. Stick it in the freezer to firm up and enjoy easy frozen yogurt. Top with granola, nuts or maybe even sprinkles.

Quinoa

This is a super grain that’s also high in protein. Quinoa can be baked into muffins, pancakes or even made as a hot cereal. You also can serve it up as a savory side cooked in broth. But for kids, opt for the sweeter side of quinoa.

Hot Cereal

Instead of oatmeal or other hot cereals, serve quinoa. Martha Stewart’s recipe calls for mixing this grain with two cups of hot milk. Boil the milk, then add a cup of quinoa. You can mix in maple syrup, cinnamon, fruit…whatever your child likes.

Crumbles for Parfaits or Yogurt

Use the above recipe to also create a quinoa crumble to add into yogurt or parfaits.

Sloppy…Quinoa?

Delish features a meatless Sloppy Joe’s recipe that subs in quinoa! This is one sneaky and tasty way to give kids a daily dose of grains and protein!

Many parents find that their children favor certain foods that might not satisfy all their nutritional needs. It’s common for kids to love the same foods, but it’s also important to vary their diet so that they are exposed to all the vitamins and minerals needed for growth and good health.

Superfoods are super because they are chock full of vitamins and nutrients that fuel the body; everyone can benefit from these foods, especially kids. But not all superfoods may appeal to younger and more discerning palates. Parents can mix these healthy fruits, veggies, proteins and dairy options with other ingredients to create kid-friendly recipes that make these superfoods taste even better. Food battles are winless, so don’t fight them. Instead create meals that are healthy, fun to eat, tasty and infused with superfood treasures!

The post Kid Superfoods: How to Improve Your Family’s Diet in The New Year appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/kid-superfoods-how-to-improve-your-familys-diet-in-the-new-year/

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New Years New Tech! 7 Hottest Devices to Buy in 2019

The post New Years New Tech! 7 Hottest Devices to Buy in 2019 appeared first on 1(800) Car-Title®.

from News And Updates About Loans https://www.1800cartitleloan.com/blog/new-years-new-tech-7-hottest-devices-to-buy-in-2019/

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The Most Common Mistakes Parents Make With Money

All parents want to make solid decisions with their finances. Unfortunately, it can be easy to make money mistakes that have serious impacts on your family. Understanding these mistakes can help you avoid them or fix them if they’ve already occurred.

Check out these common money mistakes parents make to find out how you can get your finances back in order. Make sure to avoid these common mistakes parents make with money.

Going All Out with Baby Purchases

New parents often don’t know how much to spend to get ready for their first child. You’ll likely need:

Strollers

Car Seats

Cribs

Baby Clothes

Diapers

Baby Monitors

While you’re stocking up on the essentials, it can be tempting to buy all the newest gadgets. In truth, new parents can get by without a lot of the baby gear they see. You might not need to purchase:

Diaper Wipe Warmers

Multiple Strollers for Different Locations

Shopping Cart Covers

Crib Bumper Pads

And More…

For more detailed information about the important items you need to purchase for your baby, check out our other article here. You can avoid the mistake of paying thousands of dollars too much for baby gear by checking out second-hand stores and sticking to the essentials.

Overspending on Kids

Parents want their children to have the very best. Unfortunately, you can end up falling into a financial trap by trying to satisfy your children’s every want. Spoiling children can have a negative effect on the behavior of children. In fact, experts in child behavior say that spoiling a child is often a precursor to children having issues with peers, teachers, and employers as they get older.

You can also hurt your monthly budget by purchasing the newest and shiniest gadgets for your children. Focus on what children need, with a few extras thrown in throughout the year, to limit the impact of this money mistake.

You could also check out local consignment stores to get kids toys at reasonable prices. There are also online consignment shops, like swap.com, that allow you a wider selection. You can even re-sell your children’s once-loved toys in these stores.

Trying to Live Beyond Their Means

It’s easy for parents to fixate on a certain idea of what their life should look like. Parents can get swept up in wanting to take their children on the nicest vacations. It’s easy to overextend your budget while trying to secure the ‘best’ for your family.

You can resolve this money mistake by sticking to your budget, regardless of what other parents around you are doing. Don’t risk the high-interest rates associated with credit card debt by trying to push past the limits of your financial means.

Not Following a Budget

A budget helps you handle expected bills while also setting money aside to deal with unexpected expenses. Professional financial planners advise parents to work from a written budget, instead of allowing their income to go to waste.

Working from a budget can ensure that your money goes towards:

·         Emergency Savings

·         Retirement Savings

·         College Savings

You can sit down with your partner to hammer out a budget today. There are many free online tools that can help you figure out your budget, including sites like:

·         Mint

·         Personal Capital

·         BudgetPulse

·         MoneyStrands

If you have a large amount of outstanding debt, you might consider refinancing it with a loan, so you only have to worry about one monthly payment on your budget.

Mismanaging Financial Priorities

Parents can have a difficult time deciding how they should utilize their savings. It can seem logical and straightforward to put your savings into college funds for your children, especially as tuition rates go up around the country.

However, putting all your savings into a college fund often works against you in the long run. You need to focus on saving for your retirement through an IRA plan or a 401k. Remember, your children may be able to allay the costs of college with:

·         Loans

·         Scholarships

You need to ensure you have money set aside so you can retire and enjoy your golden years. You can speak with your employer about setting up a retirement fund to handle this common mistake parents make with money.

You can even set up a retirement fund if you are self-employed, or if you don’t want to set up a retirement fund through your employer for any other reason. You have many options for personal retirement funds, including: •           Traditional IRAs •           Roth IRAs •           Solo 401(k)s

Not Setting Up an Emergency Fund

Many parents fail to prioritize their savings properly. This can lead to a serious money mistake that many people only recognize after an emergency. All parents should focus on setting up an emergency fund to cover:

·         Emergency Medical Bills

·         Emergency Car Repairs

·         Emergency Trips

You can factor an emergency fund into your monthly budget to quickly correct this money mistake. You don’t have to save an incredibly large amount every month. Start small and, before you know it, your emergency fund will be in good condition.

Financial experts even recommend automating the emergency fund saving process. Set up your banking account to automatically put money in your emergency fund to take some of the stress out of this process.

Failing to Carry Enough Life Insurance

No parent wants to imagine being torn away from their family, but accidents and unexpected illnesses can strike without warning. Parents that do not carry enough life insurance can leave their children in dire circumstances.

Generally, your children and family might need 10 times your yearly income to:

·         Pay Bills

·         Handle Debt

·         Cover College

You can go over your insurance policy to make sure it is sufficient to take care of this common money mistake.

Neglecting Your Child’s Financial Education

Your children need to learn about financial literacy, just like they need to learn reading, writing, and arithmetic. Parents who don’t invest time in their children’s financial education can end up causing serious problems down the road. All children should be taught how to:

·         Balance a Checkbook

·         Write a Check

·         Budget Their Monthly Bills

·         Save Money

Avoid this financial mistake by talking about money with your children regularly. Before you know it, they’ll be financial experts, ready to handle their own bills and budget. Click here to read more information on ways to get kids excited about responsible money management.

Demonstrating Poor Financial Behavior

Spending time teaching your children about the best ways to handle their financial decisions is important. Your children will also build their financial knowledge by watching how you treat your budget and bills.

Parents who rely on their credit cards, run up their debt, and don’t use a budget are setting an example for their children to follow. Children who grow up without watching their parents carefully plan for purchases and set aside money often mimic these behaviors once they’re living on their own.

You can correct this money mistake by buckling down and focusing on demonstrating sound financial decision making in your day-to-day life. Include your partner in your financial discussions and you can show your children how to master their finances now.

You Can Put Mistakes Parents Make with Money Behind You

Many parents fall into common money mistakes because they’re busy trying to provide the best possible life for their children. It’s easy to make these mistakes as you work to pay bills, support your family, and save for the future.

Fortunately, you can square these mistakes away and move forward with your life on financially sound footing. Sit down with your partner and hammer out a monthly budget, making room for:

·         Retirement Savings

·         An Emergency Fund

·         Life Insurance

·         College Savings

Demonstrate good financial behavior for your children and soon these money mistakes will just be a distant memory.

The post The Most Common Mistakes Parents Make With Money appeared first on 1(800) Car-Title®.

from News And Updates About Loans http://www.1800cartitleloan.com/blog/the-most-common-mistakes-parents-make/

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5 Steps Toward Successful Budgeting for the New Year

The best way to save money is to form a budget. If your new year’s resolution is to sock away some cash, constructing a budget for the year is a good place to start. A budget helps you visualize the money that’s coming in and out of your everyday life and plan ahead to reduce the chances of financial trouble. Below are five tips for budgeting for the new year that will keep you on track with your finances. List your income and expenses On a piece of paper or the computer, make two columns. On the left side, write down all of your expenses for the year. This includes your rent or mortgage, all of your bills, child care, […] from News And Updates About Loans http://carolinacashfast.com/blog/5-steps-toward-successful-budgeting-new-year/

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An Insider’s Guide to Atlanta Georgia

Atlanta is rooted in southern history. The state capital of Georgia, Atlanta is home to nearly half a million residents. This is the city of the Falcons and the Braves, a former home to the Olympic Games, the headquarters to Coca-Cola and CNN, and underneath all the hustle flows a warm hospitality for which the south is renowned. Hip hop influences infuse the city with vibrancy, the food is pure comfort and soul, and there are so many activities for kids and adults that you’ll need at least a weekend to do and see everything.

To list every must-see site in Atlanta is impossible, because this city is so expansive, and the venues are so diverse. Discovering Atlanta is a treasure hunt, and each time you visit you’ll probably find something new.

Let’s look at the more unique offerings that this city offers as well as a few of the most popular venues. Ready to explore Atlanta? Here’s your insider’s guide to Atlanta Georgia!

Museums

Atlanta has an amazing variety of museums and cultural venues. You might not be able to explore them all during one visit, but that gives you an excuse to plan another trip! Here’s the insider’s guide to Atlanta Georgia if you love history and educational experiences!

Children’s Museum of Atlanta

This is a must-see for families. Hands-on exhibits make this museum so much fun for kids of all ages. Play pretend in a grocery store, explore the Earth from the crust to the core, or paint an amazing work of art! Map out your visit to get the full experience of this popular museum. Purchase tickets online for a discounted price! Just don’t plan your trip for Wednesday—the aquarium’s closed!

Georgia Aquarium

Clown fish, dolphins, jellyfish, sea lions, beluga whales and so many more sea and freshwater dwellers call this aquarium their home. The multitude of exhibits will keep you busy for hours. Want a more personalized experience? For an extra cost, visitors also can swim with whale sharks, get up close with penguins and even have a sleepover in the aquarium. “Early Bird” online ticket prices are $30.95 per person (free admission for kids who are 2 years old and younger). See the aquarium’s web site for more ticket info and pricing details.

Fernbank Museum of Natural History

Dinosaurs unleashed! The Fernbank includes the exhibit “Giants of the Mesozoic,” which pits the hunter against the hunted. But what makes this museum really fun and exciting for kids is the expansive nature walk, and, yes, there are exhibits on that trek! They can explore the exhibit “Wild Huts and Hollows” and take photos among the unique sculptures. Adult ticket prices (13-64) are $27, seniors and kids (12 to age 3) receive discounted admission. Members’ tickets are just $8.

World of Coca-Cola

Atlanta is home to one of the country’s favorite beverages! See how the that beverage gets into the bottle, take a picture with the famous Coca-Cola Polar Bear, learn all about Coca-Cola history and check out all the cool memorabilia. This is a can’t miss site for kids and adults! Admission is $17 for adults, but kids and seniors receive discounts. Littler ones—2 years and younger—are free!

Martin Luther King, Jr. National Historic Park

This is one of the most important sites to visit in Atlanta. You can visit his birthplace (tours are limited, though), see the “I Have a Dream” World Peace Rose Garden and The King Center. There is also a visitor’s center and other historic sites, including Fire Station No. 6 and the Historic Ebenezer Baptist Church.  The Behold monument was dedicated to the memory of Dr. King and was unveiled in 1990.

SCAD FASH Museum of Fashion and Film

Celebrating “fashion as a universal language, garments as important conduits of identity, and film as an immersive and memorable medium,” this museum features exhibits showcasing couture of the cinema and prestigious designers including Karl Lagerfeld and Tom Ford. Tickets are $10 for adults and discounts are offered to seniors and military members, SCAD alumni, and students. Families can also purchase a discounted group admission. Ages 14 and younger are free!

The Jimmy Carter Presidential Library & Museum

Tour the museum to see documents, photographs, a re-creation of the Oval Office and more as you learn about the 39th President of the United States. Ticket prices are $8 for adults, but discounted rates are available for seniors, military and students (with a valid ID). Younger visitors (16 and under) receive free admission.

Parks & Outdoor Rec

Atlanta is home to many great parks and outdoor recreational sites for kids and adults. Here are some of the best places to visit when you want to get out and enjoy the natural beauty of this city!

Centennial Olympic Park

Atlanta served as the host city of the 1996 Olympic Games, and Centennial Olympic Park serves as a reminder of the games (and the history!). Kids can play in the fountains, and parents can enjoy the Fountain of Rings show. The park also hosts events and music festivals.

Kirkwood Urban Forest Community Garden

Curbed listed this site on its “10 Parks, Secret Gardens and Green Spaces in Atlanta.” Walk along the trails, sit beside the pond, or just enjoy the soothing flow of the creek.

Atlanta BeltLine

This is a massive outdoor space of trails and activity. According to Atlanta.net, the BeltLine “is comprised of 22 miles of unused railroad tracks circling the core of the city’s in-town neighborhoods.” Yes, you can bring pets—but clean-up after them. Enjoy artwork, exercising and bring your skateboard…because there is a skate park. The BeltLine also runs along some amazing restaurants.

Zoo Atlanta

Pair the outdoors with animals! Zoo Atlanta is home to many animals including elephants, alligators, lions, tortoises, lemurs, zebras, pandas and more! Kids will love seeing all their favorite furry friends! Spend the day with the animals and make memories! Adult admission is $22.99 (or $25.99 at the gate), kids, seniors and college students (at the gate!) receive discounts. Military members and toddlers (2 and younger) are free!

Six Flags Over Georgia

If you’re looking for amusement park excitement, then make a stop at Six Flags. Ride the coasters, enjoy the thrill rides or just opt for a lazy drive on antique cars. There is a kid’s section for younger visitors. And lots of food, shows and treats! If you’re a Six Flags Season Pass holder, you can get in free (but still must pay to park). Ticket prices vary, as promotions may be available online (so head to the web site first!).

The Shops Buckhead Atlanta

Buckhead isn’t a park, but it is a major shopping district and destination in Atlanta. Buckhead encompasses six blocks that feature upscale shopping and numerous restaurants. You don’t have to spend money to enjoy the experience, though. Just take a stroll and window shop. Or pop into a café for a cup of coffee.  

Southern Comfort Food!

Atlanta is southern hospitality at its best—and that includes the food! While it’s impossible to list every great restaurant in this city, here are some of the city’s best bets. Here is the insider’s guide to Atlanta Georgia for your tummy!

The Varsity

This is a historic locale! The Varsity offers hamburgers, chili dogs, chili burgers, fries and more! And you can’t leave without ordering an Orange Shake. The Varsity has been an Atlanta staple for 90 years, so it’s a must-stop eatery!

Bones

Bones is one of Atlanta’s top steakhouses. Don’t like steak? Order seafood instead! But this is one restaurant you need to visit, even if it is a splurge! Make reservations in advance…just to be sure you can secure a table.

Eats

There is something on the menu for everyone at Eats. Try jerk chicken, lasagna, barbecue chicken and more. Don’t forget the sweet tea…and mac and cheese! And all the options are affordable—a meat and three veggie dinner is less than $10.

Big Daddy’s Southern Cuisine

The food that makes the heart and soul so happy! Step into southern comfort food heaven! Big Daddy’s serves up the classics: fried chicken, meatloaf, fried pork chops, baked turkey and dressing and so much more. But don’t forget the side dishes! Collard greens, black-eyed peas, yam soufflé, candied yams, mashed potatoes, and, of course, macaroni and cheese and many veggies, too. Want dessert? Big Daddy’s has cobbler, cakes and even banana pudding.

Sugar Shack

A dessert option is a must. Sugar Shack has every kind of sweet treat you could want, and, in the fall, the Sweet Potato cupcake is on the menu. Brownies, cookies, truffles, breads, cheesecakes, carrot cake, whoopie pies and more. Oh, and the Shack has a whole menu of tea options. So, choose the tea that best suits your sweet treat.

Atlanta is filled with historic sites, unique museums and fantastic outdoor locales. The hustle and bustle of this major city combined with its southern charm and hospitality make it a popular destination. Check out some of the major hot spots like the aquarium, Zoo Atlanta and, of course, the World of Coca-Cola. But nestled in this city are historic sites that cannot be overlooked like the Jimmy Carter Presidential Library and Museum and Martin Luther King, Jr. National Historic Park. Head outdoors to Centennial Park and play in the fountain or enjoy the rollercoasters and rides at Six Flags. But no trip to Atlanta is complete without sweet tea and comfort food! Grab lunch at The Varsity and enjoy the traditional food of the south at Big Daddy’s Southern Cuisine. Just don’t forget dessert, but good luck selecting just one type of cobbler, pie or cake! Hope you enjoyed our insider’s guide to Atlanta Georgia.

The post An Insider’s Guide to Atlanta Georgia appeared first on 1(800) Car-Title®.

from News And Updates About Loans http://www.1800cartitleloan.com/blog/an-insiders-guide-to-atlanta-georgia/

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An Insider’s Guide to Tuscon, AZ

More than half a million people call the city of Tucson, Arizona home. This desert city is the perfect southwestern destination when you’re on the hunt for unique sites, great food, and budget-friendly entertainment. Tucson has been the backdrop for hundreds of movies and television productions, but it also boasts “350 days of sunshine!”  This sunny city offers milder temperatures from Mid-fall (October) and into early spring (April), but when summer hits Arizona, the thermostat gets serious—the average temps in Tucson for June and July hit 99 degrees! In Tucson, though, both hot and cold converge–from spicy foods to cool and cold caves–and no matter if the temps rise or fall, there’s still sites to explore, new food to taste and lots of fun to enjoy! So what are the must-see sites and scenes in Tucson? Here’s your insider guide to Tuscon, AZ.

Museums

Every city has its own unique museums. And Tucson is home to several must-see sites. Whether you want to gaze upon art, learn more about the state’s history or check out tiny treasures of miniature displays, there is a museum that will make your Tucson visit top-notch. Admission prices vary, so plan your budget accordingly.

International Wildlife Museum

Check out more than 400 different species in dioramas of their natural habitats at this museum, which focuses on wildlife appreciation and education. Hands-on exhibits add to the exploration.  Tickets cost $10 for adults and $5 for kids (ages 4 to 12). Discount admission also is available for seniors and military.

Pima Air & Space Museum

This is the ideal museum for the aircraft enthusiast. Check out exhibits featuring a variety of aircraft on display and take a guided tour of the 80-acre site. You also can visit the “Aircraft Boneyard,” but reservations must be made 10 business days in advance. Admission prices range from $10 (kids 5 to 12) to $16.50 for adults. Two-day tickets also are available, and discount admissions also are provided for seniors, Pima County residents and groups (more than 20 individuals).

Tucson Museum of Art & Historic Block

The Tucson Museum of Art & Historic Block features art collections spanning numerous continents, influences and time periods. Different events also are held throughout the year, including a Holiday Artisans Market in November. Admission prices range from $12 for adults to $7 for students (with a valid ID). Kids under age 12 (and veterans and museum members, too!) receive free admission, and seniors also receive discounted admission.

Arizona History Museum

This museum is a must-see for families with a desire to learn more about this Arizona’s rich history. This museum also houses artifacts from Geronimo and Wyatt Earp, and visitors also can view firearms and Spanish Colonial silver. Kids and adults also can explore a mining tunnel and an exhibit (hands-on!) of 1870’s Tucson. Admission prices range from $10 for adults to $4 for kids 7-17.  Younger children, veterans and Arizona Historical Society members receive free admission. Adult students also receive a discount.

The Mini Time Machine Museum of Miniatures

Looking for a unique museum? Check out the vast collection of miniatures that are on display at the Tucson Museum of Miniatures. So what types of tiny treasures will you find here? The museum’s “Enchanted Realm” features fairy castles, woodland friends…and even teeny tiny witches! There also are antique and historical miniatures. You also can view tiny treasures from different countries. The standard admission price is $9 per person, but seniors, children and military members receive discounted admission. Children who are 3 years old or younger receive free admission.

Get Outdoors!

Tucson is a prime destination for hiking and exploring the outdoors. There are numerous parks, trails and outdoor retreats that are perfect for families. However, some of the trails areas are better suited for more experienced hikers. When you want to hit the trails, climb a mountain or just enjoy the outdoors, here are the best locations in Tucson.

Colossal Cave Mountain Park

Explore the cave via a guided tour. Or just hit the trails for a bike ride or a hike. This popular destination also features a petting zoo and butterfly exhibit that the kids will love! Admission prices are $18 for adults, $9 for those ages 5 to 12. Military members and their children receive discount admission, and younger children (4 and under) get in for free.

Rooster Cogburn Ostrich Ranch

Ostriches are too cute! Visit these tall birds at the Rooster Cogburn Ostrich Ranch (located outside of Tucson in Picacho). Visitors also can feed deer, Nigerian Dwarf Goats, ducks and more! The ranch also features Stingray Bay, an interactive stingray exhibit! Visit all the animals and be sure to snap lots of photos! There are two packages available for visitors priced at $10 and $13. Kids younger than 6, though, get free admission (although feed costs extra).

Old Tucson

Explore the old ways of the Wild West in the city of Old Tucson, this may be our most historical stop in our guide to Tuscon, AZ. Enjoy stunt shows, BBQ, antique car rides, a carousel, or hop on the train for a ride through this old town city. In Old Tucson, you are truly stepping into the movies, because this city was the site for hundreds of movie and television productions. Operation times may change through the year, so visit the site before you plan to visit.

Tucson Botanical Garden

Explore the flowers, trees and plants at the Tucson Botanical Garden. Exhibits include a Backyard Bird Garden, a Pollinator Garden, a miniature garden railway, a children’s area and more. Stroll at your leisure and take in all the beauty or choose a guided tour. Admission is $15 for adults, $8 for kids (4-17) and discounted admission for seniors, military and students. Garden members and younger children (3 and under) are free!

Seven Falls

Hike Seven Falls and see the seven waterfalls that dot the area. According to Arizona Hiker’s Guide, the difficulty level of this hike is considered moderate. However, the trail is NOT pet-friendly, so do not bring your furry friend! The total hike is more than eight miles, and the price is $5 per day.

Tumamoc Hill

Get your heart pumping! According to Tucsontopia, Tumamoc Hill is quite a hit of cardio. What makes this hike so major? Tucsontopia states that while the path is only a mile and a half, it slopes 600 feet. So get your climb on! The best part? It’s completely free!

The Taste of Tucson

After all those museums and hikes, you’ll need to re-energize with some great local food. So where do you go when you want your taste buds to be oh so happy in Tucson? Here are the top-rated restaurants that won’t drain your bank account.

Tucson Tamale Company

Rated as one of the city’s best low-cost dining spots by TripAdvisor, Tucson Tamale Company specializes in–you guessed it—tamales! And for $7.89 for a two-tamale meal (two sides plus a salsa bar…yummm!), you can’t really go wrong! The restaurant also offers burritos, quesadillas, nachos and more! Want to feed the family? Order the family platter for $29.99.

Poco & Mom’s

Breakfast burritos, tacos, nachos, enchiladas tortilla soup…the menu goes on and on. Maybe this is the reason why the restaurant’s tagline reads: “It’s hard not to be addicted to this place.” Yes, you can even order cheeseburgers and sandwiches…in case the kids are in mood for the old standards.

Boca Tacos

Looking for gourmet tacos that are a little different from the rest? Try Boca Tacos. The Poached Egg taco features ribeye steak and it’s less than $5. Want something from the sea? Try an octopus taco! Yes, there’s even dessert…and spirits, too!

Pin-Up Pastries Street Kitchen & Desserts

When you want sweet and decadent, you need a place that specializes in dessert. Pin-Up Pastries offers cupcakes, cookies, brownies, sundaes, and so much more! The only problem? Choosing one sweet treat! Pin-Up won Tucson’s Best Dessert Favorite in 2018 and 2015. And, yes, they also have a food truck!

Tucson is a family-friendly destination that offers many options for entertainment, outdoor exploration and, of course, food! While admission prices vary for museums, if you choose one or two of these destinations, you can still stay on budget. Tucson also is one of the best places to go for those who love hiking. This city is home to many parks and trails, although difficulty level varies. Be sure to research trails to find the one that is perfect for your family—some may be too difficult for kids.  

However, there are many outdoor exploration sites that are kid-friendly. Visit the botanical garden, explore a cave, feed the ostriches or go back in the past at the Wild West of Old Tucson. When you’ve run out all that energy, head to a local eatery to discover all the tastes of Tucson. Of course, you should delve into all the flavors of the southwest! But don’t forget dessert! Whether you choose baked goods, ice cream or maybe even something unique, there is something decadent to satiate every sweet tooth! While the temperatures may vary between seasons, the fun never stops in Tucson. This is, after all, a city that offers sunshine 350 days out of the year. So get happy, embrace the sun, the weather and the fun that is the city of Tucson. We hope you enjoyed our guide to Tuscon, AZ, and we hope you have a great time on your trip!

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from News And Updates About Loans http://www.1800cartitleloan.com/blog/an-insiders-guide-to-tuscon-az/

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20+ Car Fixes You Don’t Need a Mechanic For

There are so many costs that drive up your car expenses. And when it comes to our cars, most of these costs we can’t control. Yes, you can find coupons for lower-priced oil changes. There are even apps to help us find the best prices on gasoline, but, ultimately, many of us are subject to variable oil prices, mechanic costs, car payments and the insurance bill.

However, while it’s true that you need mechanics for major repairs, difficult mechanical issues and safety concerns, there are some repairs that you can do by yourself. These easy fixes can save you a decent amount of money each month!

If you are hands-on and feel confident, get ready to DIY! Here are 10+ repairs, fixes and improvements that don’t require a mechanic: Tire Repairs So you just blew out a tire. That thudding sound that a busted tire makes against the street is one that sends instant dread through our bodies. It’s the sound of money being thrown across the road…because we immediately think, “new tire!” If the tire is shredded, there is no saving that rubber. If the hole or damage is to the wall of the tire (that’s the side), then you must replace it…because walls can’t be repaired.

However, if you drove over a nail and punctured the tread, then you might be in luck. The tread of the tire is the part that can be repaired—if the damage isn’t too major. And for small holes and basic tread puncture wounds, you may even be able to tackle this issue on your own.

So what do you need? And how much is it going to cost? Auto repair stores usually sell a tire repair kit for around $7. These kits typically include tools, glue and plugs that fill the hole. Before you take on this repair, read all the directions on the kit first. After the repair, check to make sure that the leak is resolved. Use your tire gauge to measure the tire pressure Total Savings: Each shop may have a different price, but Angie’s List notes that this repair will typically cost around $20. So that total savings comes to around $13 give or take. Not too bad! Replacing a Headlight or Tail Light Did you just get pulled over for a burned out tail light, headlight or blinker? This is going to happen on every car eventually, but you can fix this light issue on your own. Head to the auto parts store and buy a replacement bulb. Not sure which one to buy? Tell an employee the make/model of your car, and they’ll direct you to the right choice. This is a simple fix that is quick and only involves a few steps. Thoughtco gives the exact step-by-step process for an easy installation. Just remember to check your lights after you replace the bulb!

Total Savings: According to Repair Pal, the cost associated with labor for this fix is around $39 to $51. So that DIY fix can save you the price of a tank or two of gas! Adding Oil Yes, your car may be able to go 3,000 miles between oil changes, but it also may be burning oil between those appointments. Some cars burn oil faster than others, and your engine needs oil for lubrication and proper performance. It’s a good policy to check your oil to make sure the level is normal. To do this, TURN OFF YOUR ENGINE! Never, ever check your oil while the car is running. After you turn off your car, wait a few minutes for the engine to cool off. Then, unscrew the cap to the oil reservoir and pull out the dipstick. Wipe the stick to remove any excess oil and then place the stick back in the reservoir. Remove the stick again to see where on the stick the oil level hits. This will let you know if you need to add a quart or two of oil to the increase the level. But always be sure your adding the right type of oil; some cars require conventional, others synthetic. Also, if you’re burning through oil, there could be other problems…or you may even have a leak! So proceed with caution.

Total Savings: The price of oil varies, and, if you need a top off, you will probably only save a few dollars doing it yourself. However, some oil change stores may actually top off your oil for free if you had your last oil change at that establishment. A New Air Filter Many oil change places will check your air filter when you request an oil change. A dirty air filter circulates dirty air…this isn’t good. So you’ll need to change that filter periodically. Air filters are fairly cheap, though, if you purchase them at an auto parts store. And they’re easy to install. So if that filter is dirty, head up to your local automotive store and request a new filter. When you’re ready to install it, use The Art of Manliness’ easy guide for this quick fix.

Total Savings: At auto parts stores, air filters can range from $10 and up (depending on your make/model). And there may be many different price points and brands that fit your vehicle. How much you save depends on what brands you choose. But if you go to a mechanic, Repair Pal states that the added labor might add around $29 to $38 to your bill. Repairing Chipped Paint or Scratches Did someone ding your car door’s paint job in the parking lot? We’ve all had an incident where the paint on our car was scratched by a careless person opening their door into our car. It’s annoying, and that paint chip seems to glare at you. This is an easy, easy fix though. Automotive stores sell touch up paint to easily cover these little imperfections. Before you fix that chip, you’ll need to wash your car! Then follow Advanced Auto Parts’ step-by-step instructions to this easy DIY repair!

Total Savings: According to Insurance.com, “a single stage enamel paint” can cost anywhere from a few hundred dollars to $1,000 to fix properly. But serious scratch repair will cost thousands! So if you can do this yourself, you could save a LOT of money. Replacing Your Battery Your car won’t start.You jumped your car and drove it home, but the car still won’t start on it’s own.. It just might be time to replace the car battery. But this is an easy fix! An automotive department in Walmart may be your cheapest bet for a replacement battery, but you don’t have to pay someone to install it! Buy your battery, turn in your old one and then follow this guide from Dummies to install that new battery and get back on the road! Be careful while installing your battery, and follow all safety procedures because there is the risk of getting shocked!

Total Savings: According to Car Service Costs, labor may run you between $30 to $50. But the store may also install it for free. Check into free install before you DIY. Window Stripping Your car windows are insulated with a material to keep out wind and rain. But over time, your window strips may deteriorate. Replacing them is easy, though. Most car part stores or automotive departments sell replacement stripping and swapping out the old with the new is pretty basic. Follow this step-by-step guide to DIY window strip replacement.

Total Savings: Depending on the price of the mechanic, you’ll at least save money on the hourly labor costs. This varies per shop, but it definitely adds up. Weatherstripping at the auto parts stores vary in price from around $25 and up. You also may need extra tools, too. Fixing a Chipped Windshield Rocks sometimes fly up from the road when we’re driving, and our windshield takes the abuse in the form of little chips. While larger cracks recall for a windshield replacement, those tiny dings may be fixed before they lead to major damage. Popular Mechanics notes that you can buy windshield repair kits that mend small dings and the site also gives one of the best explanations for how to handle this fix on your own.

Total Savings: Angie’s List looked at prices from three Chicago businesses, and the prices for windshield repair “ranged from $70 to $115 to $238 to repair the same nickel-sized windshield chip.” But a repair kit can be found for less than $10. Although you may prefer a higher priced kit. Mending Seat Damage While not a major car issue, holes and rips in interior can affect the look of your car and its value. So repair that damage! Amazon sells vinyl and leather repair kits to help you fix up that interior. Readers Digest has all the tips on how to tackle this repair without hiring someone.

Total Savings: Mobil notes that this DIY repair will cost you between $150 to $200 (for leather repair), but a full reupholstery will cost much much more. Reupholstering a leather seat will cost about $350. Replacing a Mirror Side mirrors are vital to safe driving. They help you see what’s going on in either lane, and without them you’re blindsided. Cracked or broken mirrors can impair your vision and can be dangerous. But it’s a simple procedure to replace them. Parts can be found at your local auto store, and Family Handyman has all the directions for tackling this DIY project; the site estimates you’ll spend between $20 to $100.

Total Savings: Auto Service Costs estimates that you may spend between $139 to more than $300 for this fix (that includes parts and labor). Some jobs may be more intense, and the site notes that mechanics may have to disassemble certain areas of the door in order to complete the fix (this might not be true for all vehicles, though). But, regardless, your savings for DIY is still significant if the replacement isn’t too difficult. Adding Coolant Your car needs antifreeze to keep the engine cool and running effectively. If the level drops, your car is in danger of overheating. If you notice that your engine’s temperature is starting to head upward (but not in the danger zone), you may need to top off the coolant (a hotter engine also could be indicative of other issues). According to How a Car Works, you need the right type of antifreeze for your car, so check with an auto expert for the right product. The site also gives you all the information on how to top off your coolant. Remember, antifreeze is poison…it needs to be disposed of the right way!

Total Savings: Antifreeze can cost $10 and up (depending on the type you need). So this isn’t an expensive DIY fix. But if your car is leaking antifreeze, take it in ASAP! You may need more significant repairs. Don’t just rely on a top-off! Gas Treatment Winter—and cold weather—is here for many parts of the country. During the cold season, you may want to use a gas treatment to help evaporate condensation from the fuel lines and clean the engine. To do this, you can purchase this product at local auto stores—and there are several brands that you could use. Be sure to read the instructions so you know exactly when to add it and how much to use. According to Advanced Auto Parts, “using too much of any particular fuel additive can damage sensors and other features.”

Total Savings: Fuel additives vary from a few dollars and up. But talk to an auto pro to decide which one to use for your vehicle.

Your car is expensive to own. Monthly payments, fuel costs, repairs and, of course, the cost of insurance all hit the budget hard. While many car repairs and adjustments require the skill of a trained mechanic, there are many repairs you can do yourself. Repairing punctured tire treads, adding oil, fixing scratches, adding more coolant and even putting new weather stripping in the doors are all easy updates that can save you money and time at the repair shop. When you do your own repairs, you automatically save on pricey labor costs. And the money you save can be stashed away to pay for more expensive repairs in the future, because, unfortunately, every car needs an expensive fix sooner or later.

The post 20+ Car Fixes You Don’t Need a Mechanic For appeared first on 1(800) Car-Title®.

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