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	<title>Credit Medic Car Loans Kingston</title>
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		<title>Ways to Save Money This Summer</title>
		<link>http://www.carloanskingston.ca/creditmediccarloans/?p=151</link>
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		<pubDate>Thu, 17 May 2012 18:06:33 +0000</pubDate>
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		<description><![CDATA[The time between when the winter holiday splurging is paid off and when summer spending rushes in to fill the void is roughly 2.6 milliseconds. Ah, but what a joyous 2.6 milliseconds it is! With yard maintenance bills, air conditioning costs and the children home from school, summer can ravage your wallet all over again. Fortunately, multiple summer bills mean there are multiple [...]]]></description>
			<content:encoded><![CDATA[<div>The time between when the winter holiday splurging is paid off and when summer spending rushes in to fill the void is roughly 2.6 milliseconds. Ah, but what a joyous 2.6 milliseconds it is! With yard maintenance bills, air conditioning costs and the children home from school, summer can ravage your wallet all over again. Fortunately, multiple summer bills mean there are multiple opportunities to save money.</div>
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<div><img class="alignleft" title="Fruit" src="http://blogs.trb.com/features/consumer/shopping/blog/fruit.jpg" alt="" width="270" height="214" /></div>
<div>1. Grow your own food.</div>
<div>
<div>Growing your own food can really cut down on grocery bills. Seeds only cost $2-3 per packet, and seedlings cost about the same per plant. Considering how many pounds of tomatoes you can get from a single plant versus how many pounds of tomatoes you can buy at the store for $3, both seeds and seedlings are a great deal. If gardening isn&#8217;t your forte, make friends with green-thumbed neighbors who will give or sell you their excess produce. Farmers markets are also a great alternative, since they are cheaper and carry some of the freshest produce available.</div>
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<div><img class="alignleft" title="summer fun" src="http://blog.artviva.com/wp-content/uploads/2011/09/Florence-parks-fun-things-to-do-Florence-Florence-for-Kids-tours-Florence-for-families-fun-things-to-do-Florence.jpg" alt="" width="468" height="300" /></p>
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<div> 2. Child Care and Entertainment</div>
<div>
<div>To save money at the movies, get a subscription to a movie rental service or go to matinées and refuse the temptation of movie theater snacks. As for amusement parks, hold out for promotional offers, which are frequent in the summer. As in movie theaters, try to avoid all the expensive food once you&#8217;re in the gates.</p>
<p>Running errands with your kids can also add up. Hiring a sitter and running as many errands as possible at once may actually be less expensive than taking your kids to stores, which are laden with kid-friendly advertising.</p></div>
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<div><img class="alignleft" title="lawn" src="http://static.ddmcdn.com/gif/how-to-mow-your-lawn-1.jpg" alt="" width="342" height="197" /></div>
<div>3. Household Maintenance</div>
<div>
<div>To cut down on watering bills, water early in the morning or late in the evening rather than in the afternoon. The water you spray on your lawn evaporates much more quickly midday, and in turn, you&#8217;ll need more water to get the job done.</p>
<p>Also, weigh the pros and cons of doing your own lawn maintenance and landscaping versus hiring someone to do it for you. Depending on how much free time and extra cash you have, it may be more beneficial to hire professionals. Also consider hiring a neighborhood teen. The work might not be perfect, but you&#8217;ll save money and make an entrepreneurial teenager happy</p></div>
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<div><img class="alignleft" title="patio parties" src="http://www.styleathome.com/img/photos/biz/Style%20at%20Home/summer-entertain-guide-party.jpg" alt="" width="326" height="342" /></div>
<div>
 4. Patio Parties</div>
<div>
<div>If you like to entertain or spend time outdoors, chances are you&#8217;ll want to purchase some patio furniture. Buy your patio furniture late in the season or near major entertaining holidays like Memorial Day and July 4th to get a price break. Buy durable, low-maintenance items because patio furniture is subjected to the elements and tends to fade, crack and break.</p>
<p>For outdoor parties, forget about having food catered or delivered. If you already own a grill, barbecuing is a great way to cut costs. If not, cook the food in your kitchen. To further save money, buy items in bulk at a wholesale store or consider hosting a potluck. You could also use your home-grown produce to make a dish or two.</p></div>
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<div><img class="alignleft" title="bills" src="http://www.nickelbynickel.com/wp-content/uploads/2012/01/pay-off-bills.jpg" alt="" width="323" height="195" /></div>
<div>5. Monthly Bills</div>
<div>
<div>Consider limiting your AC use to the time of day when you need it most. Some people like to be cooler while they sleep; others may need the air more during the day while doing household chores like cooking and cleaning. When you&#8217;re doing something that involves sitting still, like watching TV, turn on a fan rather than AC. When you leave the house, turn the AC off. When you have the AC on, close doors to areas like closets and bathrooms that don&#8217;t have vents and don&#8217;t need to be cooled. Make sure the air filters in your air conditioning unit are clean – dirty ones will make your system work harder than it needs to, costing you money.</div>
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<div><img class="alignleft" title="energy" src="http://dsharma.org/wp-content/uploads/2011/05/save-energy-costs.jpg" alt="" width="286" height="155" /></div>
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6. Energy Costs</div>
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<div>Gas prices tend to go up in summer because of increased demand. Combining errands saves both gas money and time. Also, find the cheapest gas along your normal driving route. Try to choose regular gasoline, not premium, unless your cars manual specifies a higher octane fuel. Driving defensively, following speed limits and avoiding aggressive stops and starts also saves fuel. In addition, look for opportunities to walk, bike, take public transit or carpool. Finally, avoid driving in rush hour as much as possible. All that time spent idling in traffic wastes a lot of gas. Perhaps your employer will let you adjust your schedule so you can avoid traffic. Maybe you can even talk your company into letting you telecommute occasionally</p>
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<div>source: <a href="http://www.investopedia.com/slide-show/save-money-this-summer">http://www.investopedia.com/slide-show/save-money-this-summer</a></div>
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		<title>10 Summer Maintenance Tips For Your Vehicle</title>
		<link>http://www.carloanskingston.ca/creditmediccarloans/?p=145</link>
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		<pubDate>Tue, 24 Apr 2012 16:29:40 +0000</pubDate>
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		<description><![CDATA[As you are aware, summertime brings on the traveling! We all enjoy sunny days and open roads even with the price of gas! Before hitting the open road, there are some simple precautions you can take to keep your family safe and save money at the gas pump! Long drives in the extreme heat can [...]]]></description>
			<content:encoded><![CDATA[<p>As you are aware, summertime brings on the traveling! We all enjoy sunny days and open roads even with the price of gas! Before hitting the open road, there are some simple precautions you can take to keep your family safe and save money at the gas pump! Long drives in the extreme heat can be tough on vehicles! Cracked hoses, leaky radiators, underinflated tires and dirty filters can significantly lower your fuel efficiency, or worse, lead to a total breakdown.</p>
<p>&nbsp;</p>
<p>   <img class="aligncenter" title="Open Road" src="http://cupcakesandcashmere.com/wp-content/uploads/2008/12/road-trip.jpg" alt="" width="435" height="266" /></p>
<p><strong></strong> </p>
<p><span style="color: #008000;"><strong># 10: Check Your Tires!</strong></span></p>
<p><span style="color: #000000;">Tires are the most overlooked part of the vehicle. It says that 1 out of every 10 people know how to check there tire pressure correctly! In the summer heat, tire pressure changes with the temperature. Approximately one to two PSI (pounds per square inch) for every 10-degree increase in outside air temperature.</span></p>
<p>An under-inflated tire bulges outward and puts undo pressure on the <strong>sidewalls</strong> of the tire. With enough heat and pressure, that tire eventually will blow. An over-inflated tire, on the other hand, makes less contact with the road and can lead to hydroplaning in wet conditions.</p>
<p>&nbsp;</p>
<p>Use the penny trick to see if you still have enough tread on your tires. Stick a penny in the tread, and if Lincoln&#8217;s head disappears, you&#8217;re good. Your local service shop or specialty tire store can also check your tires for proper alignment and balance.</p>
<p>&nbsp;</p>
<p>And don&#8217;t forget about your spare! There&#8217;s no point in having a spare tire if your spare is in worse condition than the rest. Make sure the spare is properly inflated and has ample tread depth.</p>
<p><img class="aligncenter" title="Flat Tire" src="http://www.infobarrel.com/media/image/31841.gif" alt="" width="183" height="135" /></p>
<p>&nbsp;</p>
<p><span style="color: #008000;"><strong>#9 Change Oil &amp; Filter:</strong></span></p>
<p><span style="color: #000000;">Oil is the lifeline of your vehicle. It keeps all the hard working parts in your vehicle running clean and smoothly. The fact is, most of us do a lot of heavy driving during the summer when an engine is more likely to overheat. So at least check your oil before you head out on that road trip with the family.</span></p>
<p><span style="color: #000000;"><img class="aligncenter" title="Oil and filter" src="http://www.motorward.com/wp-content/images/2009/10/Remove-Oil-Filter.jpg" alt="" width="211" height="150" /></span></p>
<p><span style="color: #008000;"><strong>#8 De-Winterize your vehicle</strong></span></p>
<p>If you haven&#8217;t driven your car very much during the winter, or if you&#8217;ve had it in storage, then you need to check all of the fluid levels &#8212; coolant, transmission, differential, power steering and brake fluid &#8212; to make sure there weren&#8217;t any leaks. You&#8217;ll also want to change the oil, since oil gets thick and collects condensation if it sits in the engine all winter. If you haven&#8217;t used your battery in a while, you might need a recharge or a replacement.</p>
<p>It&#8217;s also important to really clean the <strong>undercarriage</strong> of the car after a long winter, especially if you live in a snowy climate. The salt that&#8217;s used to melt snow and ice on roads can get caked on the underside of your car and begin to eat away at the metal. Lots of caked-on gunk will also make your engine and transmission run hotter, because heat has a harder time escaping through the bottom of the car.</p>
<p>You can clean the undercarriage yourself using a plain water hose or high-pressure cleaning system. Many professional car washes and detailing services can also perform a high-pressure steam clean for really nasty build-up.</p>
<p><img class="aligncenter" title="Coolant" src="http://www.sddrivingschool.ie/userfiles/image/coolant.jpg" alt="" width="197" height="211" /></p>
<p><strong><span style="color: #008000;">#7 Check Hoses and Belts</span></strong></p>
<p><span style="color: #000000;">The key for summer driving is to keep your engine cool.  The hoses connected to the radiator help pump coolant to and from the engine block, and the belts run the fan that helps cool the system further. If the hoses crack or the belts snap, the radiator will quickly overheat, leaving you stranded.Belts can also be visually checked for cracks and damage. Take note if the belt looks excessively slick or smooth. Remove the belt to make sure that the material hasn&#8217;t started separating into different layers. Experts say the risk of belt failure rises dramatically after 58,000 kms.</span></p>
<p><span style="color: #000000;"><img class="aligncenter" title="Belts and hoses" src="http://www.integratire.com/wp-content/uploads/2011/11/cooling_system.jpg" alt="" width="202" height="165" /></span></p>
<p><span style="color: #008000;"><strong>#6 Change Your Air Filter:</strong></span></p>
<p><span style="color: #000000;">Over the winter, your car&#8217;s air filter can get clogged with salt and other thick debris. A clogged air filter can really lower your fuel efficiency. Replacing a dirty or clogged air filter can improve gas mileage by as much as 10 percent.</span></p>
<p>But how do you know when to change your air filter? The recommended interval is every 20,000kms but that can be affected by the particular road and air conditions in which you drive. If you do a lot of driving on dirt or gravel roads, then your air filter is going to clog up much faster than an air filter in a vehicle that&#8217;s used strictly for highway driving. The only real way to know if you need to replace your air filter is take it out and give it a quick inspection.</p>
<p>Interestingly, a slightly dirty air filter works better than a totally clean one. This is because the debris in the filter becomes part of the filtering process, trapping smaller particles that might have otherwise slipped past.</p>
<p><img class="aligncenter" title="Air Filter" src="http://www.carservicetips.com.au/wp-content/uploads/2009/12/Car-Air-Filter-300x224.jpg" alt="" width="209" height="165" /></p>
<p><strong><span style="color: #008000;">#5 Change Your Windshield Wipers:</span></strong></p>
<p>&nbsp;</p>
<p>The summertime is notorious for sudden, violent thunderstorms. When buckets of water are beating against your windshield, you need wipers that really work. Even more so at night, when a rain storm can decrease visibility to 15 or 20 feet in front of your vehicle.</p>
<p>&nbsp;</p>
<p>Winter can be tough on windshield wipers. Ice, snow, salt and extreme temperatures make cracks and tears in the rubber that lower the effectiveness of the wipers. If your wipers are leaving visible streaks or take several passes to clear away light rain, they need to be replaced.</p>
<p>Go to an auto parts store and they&#8217;ll be able to give you the right blades for your make, model and year. If you&#8217;ve never replaced wiper blades before, it can be a little tricky. Just take your time, read the instructions carefully and everything should work out. It&#8217;s also a good idea to observe the way your original wiper blades were attached. This may prove more valuable than anything printed on the new wiper blade box.</p>
<p><img class="aligncenter" title="Wipers" src="http://www.infobarrel.com/media/image/52834.jpg" alt="" width="231" height="129" /></p>
<p><strong><span style="color: #008000;">#4 Check Your Brakes:</span></strong></p>
<p>&nbsp;</p>
<p>Your brakes are the single most important safety feature on your car. Don&#8217;t put yourself or your family at risk this summer by riding around on worn down or faulty brakes.</p>
<p>&nbsp;</p>
<p>Brakes need to be replaced when the lining on your brake pad or brake shoe is worn down past the minimum thickness specified by the car manufacturer.</p>
<p>Here are some signs that your brakes need to be checked:</p>
<ul>
<li>Your brake pedal becomes very soft and mushy</li>
<li>Your brake pedal is very hard and resistant</li>
<li>Your brake pedal rests too low or too high</li>
<li>Indication or warning lights on the dashboard</li>
<li>Loud and constant scraping and grinding sounds coming from the brakes</li>
</ul>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><img class="aligncenter" title="brakes" src="http://www.cdxetextbook.com/images/disc_01.jpg" alt="" width="237" height="181" /></p>
<p>&nbsp;</p>
<p><strong><span style="color: #008000;">#3 Check The Coolant &amp; Radiator:</span></strong></p>
<p>&nbsp;</p>
<p>Cars are designed to run hot, but there&#8217;s a limit to how hot they should run. A combustion engine is most efficient at around 200 degrees Fahrenheit (93 degrees Celsius). But if an engine is allowed to get too hot, moving metal parts can actually start to melt and fuse together, causing a variety of internal problems for your engine &#8212; and, you guessed it, a hefty repair bill.</p>
<p>&nbsp;</p>
<p>Luckily, all modern cars have an ingenious cooling system that uses a chemical coolant, called <strong>antifreeze</strong>, and a series of pumps, hoses, thermostats and fans to keep the car at its optimal running temperature. But any problems with this system &#8212; low coolant levels, cracked hoses, loose or broken belts, a leak in the radiator or even a loose or missing radiator cap can cause your car to overheat and break down.</p>
<p>&nbsp;</p>
<p>The summertime is tough on cooling systems. Sitting in traffic on a hot day is one of the quickest ways to overheat your car. This is because there&#8217;s no air flowing across the engine to help keep it cool. A well-tuned cooling system can take long idles in hot weather, but if you have low coolant levels or a busted fan belt, your engine temperature is going to go up &#8212; and fast.</p>
<p>&nbsp;</p>
<p>Check under the hood and make sure that your coolant levels are fine. The general rule is to flush your radiator and add new coolant at least every two years. Flushing the radiator is done with a special chemical that cleans debris and build-up on the inside of the radiator. For summer driving, coolant should be added as a 50/50 mixture of antifreeze and water. You can even buy premixed coolant so you don&#8217;t have to bother with the measurements.</p>
<p>&nbsp;</p>
<p>If you see a small puddle of coolant under your car when it&#8217;s been parked for a while, then you have a coolant leak. Take it to the service station as soon as you can to get your system checked out.</p>
<p><img class="aligncenter" title="coolant" src="http://bimmerinfo.com/radiator_flush_files/diy%20radiator%20flush%2017.jpg" alt="" width="247" height="183" /></p>
<p>&nbsp;</p>
<p><span style="color: #008000;"><strong>#2 Clean Your Battery:</strong></span></p>
<p>The best way to keep your battery running smoothly is to keep it clean. Regularly detach the battery cables and wipe off the terminals. Make sure the battery is strapped down tightly and that all connections are secure.</p>
<p>If you suspect that your battery is being overcharged or isn&#8217;t holding a charge well, take it to a service shop where they can run a quick battery inspection. And if you need to replace the battery, make sure that it&#8217;s the right battery type for your specific make and model of car.</p>
<p><img class="aligncenter" title="battery" src="http://bestcaridea.com/wp-content/uploads/2012/02/electric-car-batteries.bmp" alt="" width="235" height="145" /></p>
<p><span style="color: #008000;"><strong>#1: Check Your Air Conditioning</strong></span></p>
<p>If you&#8217;ve ever lost your air conditioning on a hot summer day, then you know what a big difference a little cool air makes. The best way to tell if your air conditioner has a problem is if it can&#8217;t generate or maintain air temperatures that are 50 degrees Fahrenheit (10 degrees Celsius) below the ambient outside air temperature.</p>
<p>The most common cause of a malfunctioning air conditioning unit is a low level of refrigerant. This could be caused buy a leak somewhere in the system. Since modern air conditioning systems are complicated creatures, it&#8217;s best to have a professional check out the problem.</p>
<p><img class="aligncenter" title="air conditioning" src="http://mandrautorepair.com/wp-content/uploads/2011/05/Miami-AC-Repair-Air-Conditioner-Repair.jpg" alt="" width="257" height="194" /></p>
<p>Even if you faithfully follow our 10 maintenance tips, some breakdowns are unavoidable. Do yourself a favor and save some room in your trunk for the following items. They could turn a potential trip-wrecker into nothing more than an unexpected pit stop:</p>
<ul>
<li>Screwdrivers and wrenches of various sizes</li>
<li>Jumper cables</li>
<li>A jack and tire iron</li>
<li>A can of &#8220;Fix-a-Flat&#8221; for temporarily sealing and inflating a flat tire</li>
<li>Water for both the radiator and yourself</li>
<li>Emergency flares and reflectors</li>
<li>Gloves</li>
<li>Blanket and towel</li>
<li>Flashlight</li>
</ul>
<p>&nbsp;</p>
<p><img class="aligncenter" title="kit" src="http://theodmgroup.com/wp-content/uploads/2011/03/car-emergency-kit.jpg" alt="" width="324" height="229" /></p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<pre>source: <a href="http://auto.howstuffworks.com/car-driving-safety/accidents-hazardous-conditions/summer-car-maintenance10.htm">http://auto.howstuffworks.com/car-driving-safety/accidents-hazardous-conditions/summer-car-maintenance10.htm</a></pre>
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