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Even if you don’t live in a climate that turns harsh in the winter, there are still ways you should probably prepare your vehicle for the chilly months to ensure you don’t have to deal with potential major repairs down the road. This especially applies if your car is an older model or has a lot of miles on its engine. Even so-called “mild” temperatures (50’s and 60’s) in places like Phoenix and Las Vegas will have an effect on your car, especially since they spend part of the year laboring through very high temps in the summer time. Here are some ways you can winterize your car and save money: Don't Buy Snow Tires What? You read that right. Unless you live in a climate that gets a foot or more per winter during the winter, buying snow tires and having them installed for four months is likely unnecessary and a waste of money. When we say “snow tires” what we mean are those tires that come with small metal studs embedded in the tread. If your car has such features as traction control, or all-wheel drive, then you should consider buying studded snow tires only if you live where you get several feet of snow per winter, otherwise you are just as well off. You’d be surprised how many residents in an environment as mild as Phoenix still get a set of studded snows just in case that one freak ice storm shows up. Plus they won’t take up space in your garage the rest of the year. Speaking of tires… Check Your Tires Make sure your tires are properly inflated and check to make sure you’ve got decent tread depth. A lot of people think proper inflation of a tire is the number printed on the sidewall of the tire itself. This is actually not true. Most proper tire inflation numbers are written inside the driver’s side door of your car, or in your vehicle’s owner’s manual. Since air expands and contracts in your tires during times of varying outside temperatures, it’s best to inflate them to the manufacturer’s specifications, and not the maximum psi listed on the side of your tire. Check your tread quickly by placing a penny with Lincoln’s head facing downward into one of the grooves on your tire. As long as you cannot see the top of Lincoln’s head, you’re in good shape. If you can, then get your tires replaced immediately. Not only will your car handle better, but you reduce the risk of a flat and having to replace/repair the tire, not to mention the potential of getting a flat in bad weather and having to deal with the problem on a nasty day. Check Your Battery If it’s more than three years old, then you will want to consider replacing it with a new one. Cold weather – even so-called “mild” winter temps – can drain amps from your car’s battery, and having to replace it with the added expense of a tow means a bigger headache down the road. At the very least make sure you are carrying jumper cables in your car if your battery is more than three years old and you decide not to replace it. A quick jumpstart from a highway assistance vehicle will at least give you the ability to get to a place where you can go ahead and replace that battery if necessary. Check Your Hoses and Wipers Rubber tends to crack and break in dry climates, especially when the weather turns cold. Make sure your wipers are functioning properly and replace them if they are severely damaged. If not, then check your local auto parts store for ‘wiper restoration’ products. These are liquid solutions intended to restore mildly worn windshield wipers. They’re cheaper than replacing your wipers and can extend their life. While at home, pop the hood of your car and give your belts a firm tug. Inspect them to make sure there are no cracks or rips. Tugging on them will check to see if they break off in your hand, in which case you will need to replace the broken belt. As aggravating as this might be (if it breaks), it will save you money over having the belt break while out on the road and having to call for roadside assistance. While you’re checking your windshield wipers, go ahead and make sure your windshield fluid reservoir is full of winter formula windshield wiper fluid that not only will not freeze when the temperature drops, but can remove ice from your windshield when you start it up in the morning. This will save you from having to scrape your windshield as well as keep it free of ice and snow while you are out on the road. Some folks still pout warm water on an icy windshield before they head off to work in the morning. This is not a good idea. First, there is every likelihood you windshield might crack from the sudden temperature change, and second, warm/hot water actually freezes faster than cold water, which lends potential headache to your icing problem. Get a Tune-Up Now If you have a tune-up coming due, don’t wait until after winter to do it. Getting a tune-up sooner will replace older fluids and will help your car perform better in colder weather. Keep Gas in the Tank An empty fuel tank runs the risk of developing ice or even condensation in the tank which can damage your car’s engine. Keep it above the quarter filled mark during the winter months to prevent potentially costly repairs. Keep an Emergency Kit in Your Car This, of course, is primarily for safety reasons in case you are stranded during inclement weather. However, if something happens and you know how to fix it (let’s say you’ve been keeping that new belt in the trunk until the current one actually breaks and you know how to make the adjustments necessary to install the new one), then the emergency kit will come in handy if your DIY roadside project take a couple hours longer than you wanted it to. Stay hydrated, even – and especially – in cold wet weather, and keep a supply of energy (such as a granola bar) in your emergency kit. Got an Oil Change Due in December? Get it done a month early in order to get fresh, winter weight oil into your car’s engine and help keep it running smoothly. Aftermarket Options to Winterize Your Car Nevada is a cold and rugged mistress during the winter months. Even if you live in Las Vegas, journeying beyond those borders to higher elevations can create quite a bit of snowy turmoil. So, if you happen to be in the market for a different car you'll want to consider these fabulous freeze-free features. By the way, have you ever sat in a car with heated seats during the frosty months? It's pretty amazing. Adaptive Headlights These headlights, that move according to the steering wheel position, are not available on most vehicles. But if you can find an affordable used vehicle that has them - It's a great option to increase visibility on winding Nevada roads. All-Wheel Drive (AWD)  You may wonder if you really need AWD . It is the priciest of winter features. But, if you live in parts of the U.S. that are prone to slick conditions and heavy precipitation, All-Wheel drive will give you piece of mind. If you're concerned about fuel economy, AWD may not be for you. An added bonus is that your resale value will be a good return on that investment. Here's a good list of AWD vehicles around $20,000 . Engine Block Heater Hey Hosehead , if you live in the super cold northern parts of the U.S. or Canada - then you know starting up your car with a frozen engine block is a great way to ruin your day. For those of you not in the know: Engine block heaters keep your car's oil thin and cozy like warm syrup, unlike your Aunt Verna's crusty, sludgy pancake batter. If your oil is cold and grumpy and you think you could use one, always talk with your car dealership peeps before buying. You can usually find an engine block heater on the cheap. Heated Front Seats Get comfy in the cold winter months while relaxing those chilly muscles. These aren't so much a safety feature, although it could be argued that a stressed out and shaking driver could pay less attention to the road. Heated Rear Seats If you frequently transport passengers in the rear seats, including children in car seats, look for a used car that has heated rear seats as a feature. Or if you are the DIY type, you could also install your own heated rear seats for 50 bucks . Heated Side Mirrors These mirrors heat up to reduce the fog that builds up, melts away ice and prevents snow build up while you're driving. All of this increases visibility which ensures a much safer drive. Heated Steering Wheel Ditch the gloves and give your hands a warm hug with comfy benefits of a heated steering wheel. Now you can use your car’s touchscreen controls. You can always spring for a heated steering wheel cover that warms up in 10 minutes for 80 bucks. Remote Vehicle Start Many used cars today have some sort of remote start. But, if you can't afford one - There are quite a few after-market remotes to get your vehicle cozy before you even venture out to the frozen tundra. Before you buy one, here's a great article on common mistakes when buying a remote starter . Roadside Assistance Yo probably think of roadside assistance after it's too late or you're picking up a friend at 3 am who's stranded in the middle of nowhere. If you do nothing else this winter to improve your car's safety - Consider paying for some type of service. Some used car dealers offer it when you purchase a car and there other ways to score cheap or free roadside assistance . Slush Mats Keep your vehicle value on point with molded all-weather floor mats. These will protect your interior carpet from the slush and mud and that coffee you seem to spill in stop-and-go traffic. Windshield Wiper De-Icer Peeling your wiper blades off a chunk of ice is usually not how we want to start our day. You can find plenty of used cars that have de-icer for the windshield blades. There are also heated wiper blades that crank up the heat to 105 degrees. Winter Tires There are pros and cons to winter tires, but buying a set of these that you change during snow season might be your best investment and upgrade. If you find a used vehicle being sold with an extra set of tires for a few bucks, we think you should go for it. CASH 1 wants you to be safe and save money this winter. If you find yourself in a financial bind, come see us and find out if a Nevada title loan in Las Vegas or Reno is right for you. We also offer title loans in the Greater Phoenix Metro Area.

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Save Money Winterizing Your Car

There are ways you should prepare your vehicle for chilly months so you can save some money and avoid potential major repairs down the road.

Save Money Winterizing Your Car | CASH 1 Blog - News

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Tax season is coming to an end, you all know this by now. You also probably know that your refund – assuming you got one – didn’t quite measure up to expectations. Summer’s near and you’re still trying to catch up on bills and necessities because of this. You’re not alone. The most frequently asked question at Turbo Tax online is ‘why is my refunds smaller this year, or why didn’t I get one as opposed to last year?’ You can read most of the common reasons at the link, but there are additional factors at play this year. One of those factors is the Affordable Care Act, which enacts new taxes not only on individuals, but employers as well. This has had a significant impact on the way a lot of people have filed their taxes this year, not to mention the fact that many have been taxed because they did not purchase the mandated insurance by the deadline. We know this is something of a political issue, and we aren’t all that interested in wading into the political foray, but the fact does remain that many people were hit with an unexpected tax either from the insurance purchase mandate section of the Affordable Care Act, or from the penalty that is assessed from not purchasing the mandated insurance. To be blunt: many people are short funds this year thanks to new tax regulations such as the previously mentioned Affordable Care Act . There’s no question that it’s frustrating not getting as much money as you expected on your tax returns. Used to be a time when a tax refund was extra cash at a certain time of the year. Many people would invest it or go and purchase new items for themselves. But an increasing number of people are now relying on tax refunds to help pay off debt, or float through a transitional income-shortage. The worst part is, here we are, several months after the tax filing deadline has passed and a lot of people are still trying to recover from the fact they didn’t get as much as they were hoping or expecting to in their refund. Worse still, many people find themselves owing taxes for the first time in their lives; people who can’t just up and pay a tax bill simply because the IRS has moved them into a taxable bracket. We don’t like it, and we know you don’t either. If you find yourself still short and trying to recover after that unexpectedly small tax refund you got this year, come see us online at CASH 1 for Personal Loans for people with bad credit . We want to stress, however, that you should only get a personal loan to cover immediate expenses such as back-owed debt like a credit card or if you’re behind on your bills. We do not recommend a personal loan to pay off a tax bill. If you still owe the government money, call your local IRS office and they will work with you to get your tax bill settled. Here’s hoping next year’s refund will be a better one.

Tax Refund Not What You Expected?

Did you get a low tax refund? Here's how to get a bigger tax return.

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Did you get a low tax refund? Here&#39;s how to get a bigger tax return.

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Are you in a financial pinch? An urgent one at that? Lots of people need to generate some quick cash (and before you take on new debt), read this article to learn seven ways to make money fast. Sell an Asset Selling an item is the most common way of generating immediate cash. This can include jewelry, furniture, CDs, DVDs, books, and clothes. Sites like Decluttr and Letgo enable you to unload stuff to make money fast. Do you have any unspent gift cards laying around? You could make money fast by selling those at a slight discount from their face value. Consider intangible property too. Perhaps you had a business plan and registered a domain name and aren't likely to use. You could potentially sell that on a site like Sedo. Do you have a vehicle you could sell? An old clunker that has a scrap value? Many folks own one car which they rely on for transportation, and couldn't survive without it. But it is possible to get money for your vehicle without selling it . Return Items to a Merchant Another way to make money fast is to return items to a store. People often buy things they think they need and then end up not needing them. If you have purchased unnecessary items on maxed out credit, returning them may not help you. If, however, you used cash or debit card on items you don't actually need (or at least don't need right now), returning the unused goods will free up extra cash fairly quickly. Many stores require a receipt unless you are merely exchanging items. If you don't have receipts, get into the habit of retaining them. While this is far from having an emergency cash fund , a stockpile of merchandise can nevertheless operate as a small bank in times of need. Open a New Bank Account Some banks will give you money just for opening up a new checking account and promising to have your paychecks direct-deposited into it. Some banks won't even require a direct deposit. Check out this list of banks or look for such offers in your mailbox. You will eventually have to pay tax on this free money. But otherwise, as long as you keep the account open with a potential minimum balance per bank guidelines there are no other strings. 'Bonus tip': If you don't already have an emergency fund set up, you may wish to designate this account for that. This will remind you that having an emergency fund can rescue you from unexpected financial pitfalls. When you have an emergency account and need to make money fast, you can be your own banker. Generate Extra Income If opening a second account is not for you, you don't have extra stuff laying around to convert to cash, or just need more money, then a boost in income might be your next step. If obtaining a raise or advance from your employer is not possible, then consider the following: Start a Small Business By 'business' you don't need anything fancy. If you have a mop and a bucket you can start a cleaning business. If you have a truck, you can start a moving business. Check out our 10 ways to make extra money from home article for more ideas. Good with dogs? Kids? Good at reading? You can start a dog-walking business, date-night babysitting service or answering questions at tutoring lessons. Perhaps you know how to do things that others don't know. Or you naturally do certain things better than other people can. This is a good time to start noticing and taking inventory of every skill you have that perhaps you take for granted. What skills can you turn into good money? Even if you aren't necessarily more knowledgeable or better, there are things that people will pay other people to do just because they would rather have more free time doing something else. Lawn-mowing is an example of this. Pre-Sell a Service or a Project Even if no one is in immediate need of your business services, you can design and sell gift certificates for them, offering a discount for prepaying for your service. You will want to put an expiration date on the certificate so that it doesn't get redeemed at a time you are unable to fulfill it. You can also leverage any special knowledge or expertise you have into what is known as 'information marketing.' This could include the creation of an e-Book, webinar, or a toolkit of some sort that you could even deliver by mail. You can quickly and easily create a website for free to show people what you have to offer and promote it through your social media channels. Collect money now, deliver later. (Just make sure you do deliver as promised.) Become a Driver Depending on where you live, you could do well as a driver with Uber or Lyft. Both companies have vehicle requirements that your car has to meet (such as age and body style). Also, tires and so forth have to meet safety standards. Uber drivers report making between $19-23 per hour , so this could be a great way to make money fast once you're in the driver pipeline. It could take a week for the application process (including a background check) to run its course. Collect Debts Does anyone owe you money? This is the time to shake the trees and see what you can collect. If you need cash (and your debtor could use a break) you could create a win-win by providing an incentive to settle up with you. You accept less money but a bird in the hand is worth two in the bush, as they say. In most cases, if you are owed less than $5,000 you don't need an attorney to start collecting the money you are owed. Even if a loan you made was not in writing you can still collect it. Reasons You Might Need Money Quick Most people tend to agree that you should avoid utilizing a cash advance service from a credit card company, but sometimes there are necessities. We’re going to list a few reasons why you might need money quick and discuss whether it’s better to use a cash advance service or perhaps the convenience of a loan institution such as CASH 1. Utility Bills You are short on funds, and your utility bill is due. Most utility companies won’t take credit card payments, preferring to leave the hassle of writing a check or purchasing a money order up to you. While it is true that some companies have online payment services, many still won’t take credit card payments. So, you need to get some cash into the bank to cover the bill this month. Should you get a cash advance from your credit card or consider utilizing services like a same day quick loan from places like CASH 1? There are factors to consider. How large is the bill? Will you be able to repay the cash advance or would it be better to have a short term structured loan you know you can pay off? Some quick money services require a minimum amount that you must borrow even if you don’t need that much. Car Repairs You’re driving, on your way home from a vacation. Suddenly, the car stalls and you need to pull over. You’ve got an auto club card but that only covers the expense of towing, and the local mechanic won’t take credit cards or doesn’t take the one credit card you have with you. You’ve spent all the money you budgeted for the trip, but you’re nowhere near home. In this case, an auto repair loan will help you to pay the mechanic. Overspent You’ve had a little too much fun in Vegas playing the machines. No big deal, you’ve got just enough money to get home, and payday is coming in a few days. But you’ve got this feeling. You’ve been playing this one machine, and you are sure it’s about to pay off. You’ve got a little room on your credit card, but the machine doesn’t accept it, but there is an ATM nearby. This would be where you need to step back from the machine, maybe take a walk and see all the free attractions Vegas has to offer . This is not a time to use either a cash advance or a quick cash loan. If you find it’s too difficult to step away from the machine, we recommend you call 1-800-522-4700. That’s the hotline for the National Council on Problem Gambling. Just about every type of scenario can fit into one of the hypotheticals we’ve described above. Use common sense when you find you need cash, and make sure you explore all your options. Many times, a credit card cash advance is not the best answer. Make Money Fast Hopefully, you have found something of value in this article. Even if you have but still find yourself short on money (and don't have an emergency fund set up yet) you may be eligible for a quick cash loan . For assistance call 888-858-9333.

7 Quick Ways to Make Money

Living paycheck to paycheck is stressful and you need quick money. Find out how you can make money fast with these ideas and get yourself ahead of your bills.

7 Quick Ways to Make Money | CASH 1 Blog - News

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7 Quick Ways To Make Money

 Qualities to Look For in a Cryptocurrency Broker Trading With Cryptocurrency Is Now One of the Most Sought-After Trading To choose a cryptocurrency broker wisely, read this list of qualities that will save you from any complications or scams in the future. broker wisely. Below are some qualities to look for in a cryptocurrency broker before finalizing one From coffee corners at work to dinner with friends, time and again, you may be hearing about exciting ventures people are making into the world of trading with cryptocurrency. When you are buying cryptocurrencies through an exchange, then you are purchasing the coins. To start with trading, you will need to create an exchange account and store the cryptocurrency tokens in your e-wallet. You can then decide to sell it or keep it as it is. As the cryptocurrency market is decentralized, it is not issued or backed by any government or central authorities. It runs across a network of computers wherein you can buy and sell cryptocurrencies through an exchange and store them in wallets. They exist only as a shared digital record of ownership as opposed to traditional currencies. This record is further stored on a blockchain . A digital wallet is used when cryptocurrency owners want to sell the units to another user. It is then verified and added to the blockchain, without which it is not completed. As the trading and investment in cryptocurrencies rise, the demand for crypto trading bots , systems, and platforms has gone up, too–and so has the need for reliable crypto trading brokers. While there are numerous stories of brokers who have helped new and accomplished traders in this field, many stories of people are being scammed by the same. Hence you must choose a broker wisely. Below are some qualities to look for in a cryptocurrency broker before finalizing one. Online Platform This is an absolute first aspect to look at when you are looking for a cryptocurrency broker. If they do not have any online platform for its users, that should be your vital red flag that this broker cannot be trusted. Trusted online broker platforms https://www.trusted-broker-reviews.com/olymp-trade-india/ provide many benefits to its users. These platforms can help users deal with crypto trading with ease. When you are provided a well-designed platform, you can choose from many options available at your convenient location. It is simple to understand if you are a novice or an experienced trader. Make sure you find a platform that is up to date and features the latest news about cryptocurrency trading. You can also check to see whether the platform is secure by looking at the top left of your search bar. If there is a visible SSL certificate, then it is a safe site, and your private information will not be leaked to hackers. Credibility Though the crypto trading market is new, it doesn't mean that all the brokers that you find will be inexperienced. Look for credible and experienced brokers who can help you trade properly. Check their credentials, licenses, and even reviews. Reviews can provide important insight into the services of the broker to determine if they are a right fit for you or not. Another important aspect to look for when checking the broker's credibility and their platform is to check how long they have been in the market. When a broker platform is in the market for a long time, it indicates that they are providing the right services as people continue to rely on them. Customer Service Provided As a trader, there will be many times when you will need to contact the customer service of the broker platform for a query. As crypto trading can be done regardless of what time it is, you should have access to customer support at any time of day. Therefore, look for a broker platform that provides customer service 24/7. They should be competent and help you answer any questions or queries promptly. If the customer service is not up to the mark and takes a long time to reply to you, then you could, in later stages, be frustrated when facing a problem and waiting for the reply. Technical Support While customer support will provide you solutions to more generic problems, it is the technical support offered by trading platforms that helps you deal with more intense ones. Customer service and technical support are not the same. Technical support teams help users with problems that require professional help in specialized areas. Many cryptocurrency brokers do not have technical support, which is a huge drawback. Technical support is critical to solving user problems in the crypto industry that require more experience. These professionals know all the in and out of how everything works and can help solve a problem within minutes. Look for a broker platform where the technical support is prompt as that can save a lot of your time. Sign Up Process User experience is gaining more importance than ever before. An easy sign-up process is one telltale sign of how your experience on that platform in the future will be. A good broker platform can easily be identified by checking if the sign-up process is accessible or not. If there is a large depositing fee requested during the sign-up process, that is a red flag. This is mostly done when the broker platform is going to scam you. Good cryptocurrency brokers take little to no money for signing up potential users. When you have found such a broker, do not let your guard down but rather also check the commission and fees charged by them in later stages. This will prepare you for any financial risk, and you can make your decision on trading accordingly. The Whole Point Is To Have Convenience Of Trading The whole idea of hiring a crypto broker is to get the benefit of convenience. If that is not provided, it loses the point. The crypto industry is galloping at a fast pace and going through rapid changes. To stay on top of everything, you need a variety of features from the broker so you can make timely decisions. The platform should be compatible with different gadgets so you can conveniently trade from a laptop or your phone. The visibility and mobile-friendliness of the broker will be an integral point when you need to access your account on the go and not miss out on anything important.

Qualities to Look For in a Cryptocurrency Broker

To choose a cryptocurrency broker wisely, read this list of qualities that will save you from any complications or scams in the future.

Qualities to Look For in a Cryptocurrency Broker | CASH 1 Blog - News

https://www.cash1loans.com/blog-news/qualities-to-look-for-in-a-cryptocurrency-broker

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Qualities To Look For in a Cryptocurrency Broker

Continuing our series on money saving tips for travel , we want to turn our attention to hotels, and the best ways to save money on lodging at our favorite destination. Saving money while traveling can be a daunting prospect, and sometimes it’s a frustrating experience when you come home from your vacation and find out you could have saved more on that hotel room. We’ve been there, and in order to help you avoid having that experience yourself, we’re offering up some money-saving travel advice. These are tips that don’t just apply to getting a hotel room, they can be used in other aspects of travel as well, but for this post, we want to help you save money on lodgings when you take a vacation. Instead of specific tips this time, we’d like to offer some general advice for your next vacation: How to Save Money on Hotels   Have Room to Move  If you have room to move regarding the dates of your vacation, you can likely find a great price on that really nice hotel. A lot of people clear a specific week or so from their place of employment and then start putting together the vacation they want to take. But consider the idea of booking a hotel for a certain week that matches the best possible price and then clearing that week with your employer. Sometimes we don’t have that luxury, but if you have a flexible boss, it’s a good idea to use flexible dates when looking for a hotel room.     Keep track of deals and coupons.  Some websites like ‘Groupon’ offer deals at hotels that can get you a really nice room for an affordable rate. Sign up for e-mail notifications when your favorite destination is offering price cuts and book your vacation accordingly.     Not All Bundles Offer Savings  Are you booking that hotel through a website that offers savings on extra activities like tours or amusement park tickets? Many times those bundles don’t come with actual discounts, but instead offer the convenience of getting your activity booked on the same site. It’s always worth the time to go directly to that activity’s website and find out if they offer a lower price for booking with them directly.       Go to the Same Hotel  Do you like to go to the same destination every year? Then it’s likely you already belong to their rewards program, but if not, sign up for it immediately. Many hotel rewards programs will retroactively include previous stays if you booked it under the same name as that shown on your rewards program card. These will pay off in the long run when you go back to that same resort and are able to get one or more nights at no charge thanks to the points you’ve built up.     Consider the Alternatives  Going to Europe and don’t really care about getting a nice hotel room? Search online for the network of hostels that will let you stay for 20/night or less. Take a look at the website of ‘Airbnb’ , which is an online network of homes available to stay at for very reasonable rates. Make sure you only stay at properties that have been thoroughly reviewed and have received positive ratings.  Don't Stick to One Hotel Chain One way we can save money is by not sticking to just one hotel chain. Sure, we all love staying at the Sheraton – or the Best Western – but if we’re looking to save money, then we should consider giving up our brand loyalty. We’re talking about those websites that offer hotel rooms at a significant discount without telling you exactly which hotel you will be staying at until you’ve made your purchase.  Hotwire.com is the most popular website that does this. Priceline.com also offers this service. Not to worry, you will not be stuck in a flophouse while paying money for a three star hotel. Both websites (and the others that offer this service) explain up front what their star rating service means; what amenities you will be getting and whether or not there are extra services like free breakfast. The only mystery is what chain of hotel you will be staying at. The reason this is done is because hotels – like airlines and rental car agencies – always want to fill up their rooms. Even if you get a significant discount, many hotels, especially the popular resort destination types, are counting on the likelihood that you will spend your money in their restaurant, or take advantage of their other charge services, like the spa, or even the gift shop if they have one. So let’s say you’ve never used one of these websites and the idea might be a little intimidating. That’s perfectly understandable. Always read as much as you can, not only on the website, but about it. Do some research online as to whether it’s a reputable service. The ones we mentioned above have solid reputations, and offer good hotels for the prices you pay. But let’s run through a quick scenario; this is something you can actually do for practice without having to make a purchase. Go to Priceline.com and choose ‘hotel only’ to start. Once you’ve done this, enter some hypothetical dates as though you are going on a real vacation (don’t forget to enter your favorite destination city, such as Las Vegas or something similar). Note that when you’ve done this, a list of different types of hotels in different areas will pop up. Some of the hotels will be near the airport; others will be downtown, etc. Once you choose a specific area where you want to stay, you’ll then notice listings for different types of hotels within that area. For instance, the first entry might say something like “3 star hotel in downtown area for $59/night”. Try it for fun. The best part is you don’t have to make a purchase until after you’ve made a selection. If you’re looking for something for your vacation, run through the process two or three times so you’re comfortable with it. Once you’ve made your purchase, you will get a confirmation page that tells you which specific hotel you’ll be staying in, and all their information (such as their phone number in case you want to confirm your reservation). Save on Extended Stays For most of us, extended vacations are a rare opportunity to get away from it all and either get some real “down” time (time to relax and take it easy), or the opportunity to explore a part of the world you’ve always wanted to visit. With these two facets of travel in mind, let’s take a look at how you can save some money. First, we’ll start with the extended “down time” vacation. If you are determined to spend more than a week at your favorite destination, the first thing we’d recommend is finding out whether there is an “all inclusive” resort where you want to go. These types of resorts include your hotel stay, all your meals, and a lot of activities that might otherwise cost extra, such as parasailing. Most of these types of resorts are located in tropical destinations, but there are certainly exceptions such as ‘Dude Ranches’ and ‘The Catskills’ . The main point in saving money here is that all your necessities (food, shelter, transportation and activities) are taken care of with one fee. Of course, if you wish to visit a dude ranch for that authentic western experience, all-inclusive will likely be your only option, but for the tropical locations, take a look at the hotels in the area that are not all-inclusive resorts and start pricing things like rental car, food, and activities and see if the final tally is not actually higher than the all-inclusive price (for food, just look up restaurants in the area and average their menu prices). Nine times out of ten, the all-inclusive price will save you money, and give you an excellent, relaxing vacation. You Can Save on Explorer Vacations Too OK, let’s take a look at the extended ‘explorer’ type vacation. This is when you want to get out and see all the interesting points of a region while saving as much money as possible. Example: You’re finally going to get out and see all those amazing national parks in the western United States; Yosemite, Yellowstone, Natural Bridges, Zion, Cascades, Glacier, etc. You’ve given yourself two weeks to get to as many of the parks as possible before you return home. You can book a bunch of plane trips, hotels and rental cars, then spend at least a third of your time traveling, packing, unpacking, etc. In addition, you’ll incur some serious costs just to accomplish the logistics of it all. The alternative: rent an RV. Most RV rentals cost about a hundred dollars a night, though the price does go down the longer you rent the vehicle. The advantage of this is the fact that you never have to pack/unpack until the end of your journey. In addition, you’ll likely bring your own food for most of your meals, and this will save you a bundle. Most RV rentals don’t require a special license, and are easy to navigate after a short training session from the rental facility. Do an online search for ‘RV Rental’ and check around for the best prices. CASH 1 always enjoys saving money, and likes to help you save money for a trip whenever possible. If you took that long vacation and had an emergency expense, come see us and find out if title loans in Las Vegas or hassle free payday loans are right for you.

How To Save Money On Hotels & Extended Stays

Do you love travelling, but can't seem to get the money together to take that dream vacation? Here are the best ways on how to save money on hotels at your favorite destinations.

How To Save Money On Hotels & Extended Stays | CASH 1 Blog - News

How To Save Money On Hotels &amp; Extended Stays

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How To Save Money on Hotels & Extended Stays

Cooking on a budget is not impossible. If you are focused on saving money in the kitchen more efficiently, at this point, you should know that eating at home, as opposed to dining out saves you money. Read on for some simple saving tips for groceries that won't sacrifice quality or taste by making smarter choices about what you eat and what you buy.  Let's Start Budget Cooking!   Eat Less Meat  Meat is an expensive item. If you decrease the amount of meat in your meals or you purchase less expensive cuts, you will save money. There are other tasty protein alternatives to meat that cost less. If you don't care for tofu, you can add quinoa, lentils or kidney beans to your shopping list and recipes. This doesn’t mean that you should stop using meat altogether, but use it sparingly.     Drink More Water  Seriously, stop drinking soda and drink more water. Soft drinks, energy drinks and 'fruit' drinks inflate your food budget and your waistline with all those empty calories. Have you seen the price of Red Bull lately? Limit yourself or stop buying them altogether. Many money savers out there used to stress avoiding bottled water too, but some tap water just isn't safe. So, have your water tested for a piece of mind and get to drinking that healthy H2O from the tap.     Eggs Are a Cheaper Option  When you get hungry and don’t have much money or time to make a new dish, an egg, not a Snickers bar, will satisfy your appetite. You can use eggs on toast, in a sandwich, with fresh veggies and they're cheap. A dozen eggs are still around $3. They have 100 calories each and 6 grams of protein. Cook them in a variety of ways to never get bored of them. Here are some great recipes for eggs.     Use a Slow Cooker  Make dinner out of less expensive cuts of meat. Most cookers come with a few recipes to get you started, or you can look on the web for recipes. Learn to cook anything from unique casseroles to whole chickens, to stews, just by dropping some essential fixings in the pot and letting them gradually cook for 4 to 8 hours.     Slow cookers require little exertion to create remarkable meals. Toss in some meat or veggies in the morning, and let it stew on a low setting throughout the day. When you return home, you'll have some excellent food waiting for you.     Store Leftovers  Stop wasting food and store your leftovers. If you have a demanding job and can’t cook on a daily basis because of your availability, then cook five or six dishes over the weekend. When you cook meals separately, there are chances ingredients are not fully utilized and some food is left over. You must store the leftovers properly in the refrigerator instead of wasting it. You can use it in the future at one time and save your money and effort.  When deciding your meals, you must be very careful about the likes and dislikes of your family. If there's food they don’t like to eat, don’t waste energy and money on cooking those dishes instead make ones liked by everyone. Follow the seasons while deciding and preparing food. In essence, if you cook out of season items like fish in the summers or vegetables that have the best taste in winter, then your family will not eat and waste food. This would increase your expense at the end because they could order some other food from any food chain to fulfill their appetite. Saving Money on Groceries Buy in Bulk Spices, meat, whole chicken and blocks of cheese are often cheaper in bulk. Be sure to cross reference the bulk price per unit with each item.  Purchase Wisely Don't be tempted by coupons for things that you would not regularly purchase. Because an offer is alluring, it doesn't mean you need to buy it. With that being said, use coupons that offer great discounts on items that you do use. Stick to the List Stick to only the basics and try not to deviate from the grocery list you have with you. If you find that shopping with friends or family causes you to make purchases you didn't initially need, then shop alone.

Cooking on a Budget

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Life is filled with unexpected changes. You never know when the unexpected can happen. It could be a medical bill or job loss or something as small as a lost phone. That is why everyone needs to save for the unexpected. An emergency fund can keep you afloat when you are unable to earn an income due to a medical emergency or a job loss without going into debt. When you have nothing in reserve, you could start living on your credit card(s), or maybe even look for a short-term loan to cover the costs of an emergency. But an emergency fund gives you a financial cushion and way to not go further into debt. So what steps do I take to start building up an emergency savings fund? Here are a few ways to find money to build an emergency fund, whatever your current income. Build an Emergency Fund Now Save First The key thing to savings is to get into the habit of saving money that you can set aside to put in your emergency savings fund. But you may be wondering how you can find enough spare cash in your budget to set aside for a rainy day. The best way to do that is to put aside a certain amount towards your emergency fund each time you get paid. Saving first at the beginning of the month or each time you get paid will gradually build your fund over time. To make the process easier for you, set up an automatic transfer from your salary or checking account to your savings account each time you get a paycheck. If you find that you are not missing that money in your budget, you may increase the amount you are setting aside for a rainy day. Stash Your Windfalls If you get a rebate check, a tax refund, a cash gift, bonus, or any extra cash that is outside of your regular earnings, use some or all this unexpected money to build your emergency savings fund. So, resist the urge to spend cash gifts, bonuses, or other amounts that are outside of your normal earnings because you probably were not counting on this money as part of your monthly budget.  A tax refund can give a real boost to your emergency fund. The average tax refund is in the thousands, which can get your emergency savings funds off to a great start. Stash it immediately in your emergency savings fund since you will hardly miss it. Save it and other 'found money' to build your emergency fund and keep watching your fund grow. Start Small, but Start The key to building an emergency fund is to start setting aside a little each month. If you do not have much to save, it does not matter. Start small, but start whatever your current income. Contributing a small percentage of your income from each paycheck, for instance, is one of the best ways to do that. It will feel good when you see at least a little in your savings. And you will soon be motivated to try to save more towards your emergency savings fund. You might start seeking out more ways to save. The important thing is just to start, whatever your income and you will reach your goal over time. Make Extra Cash You could look for ways to generate extra cash to stash your emergency fund. If you have a marketable skill, you could earn extra money using that skill. And you can make money from the comfort of your home these days thanks to the internet. Here are some ideas to generate some extra cash. Work overtime - To build up the emergency fund faster, you can try to work a little overtime. Save the extra money you earn working overtime to stash in your emergency fund. Get a second job on the side if you have time. Freelance - If you have a flair for writing, you can write articles, blog posts or web page content for businesses and individuals to make money immediately . Many websites accept articles on a wide variety of topics from contributors. You can also create profiles on freelancing sites and writing jobs sites to bid on different jobs or pick up writing assignments directly, depending on the sites. If you have accurate and fast typing speed, then you can work as a data entry worker. Can you speak a second language? Then you could become a translator. If you have good organizational and communication skill, then you could make money by helping small business owners and individuals on the web by becoming a virtual assistant. Become a home-based employee - Many companies hire home-based workers in customer service, sales, virtual assistance, transcription and more areas. If you have the time, you may be able to work part-time for one of these companies, depending on your skill set. Sell things online - You could also sell your unwanted items on eBay or other online marketplaces. Another option is to buy new and used products cheaply and resell them for a profit. Save Spare Change in a Jar Stash your change. Every little bit helps. Do not spend any coins you get. When the jar fills up, put the money in your savings account towards your emergency fund. This can add up faster than you think. You could save several hundred dollars or more over time by collecting coins. When you get $1 or $5 small change after breaking a $20 or $100, keep those $1 and some of those $5 bills in an envelope or jar at home. Save them to put in your emergency fund. It will add up quite quickly. Cut Back on Costs If you cannot find spare cash to set aside towards an emergency fund, look at how you are spending money now. Can you find some things that can be cut back? There are some ways to trim your weekly or monthly spending such as, cooking meals at home, eating out less, avoiding take out coffee, etc.  Cut down on your grocery bill . Buy the stuff you need. Cut your cooling and heating bill by installing a programmable thermostat and programming it as and when necessary. Do you need to eat out three times a week? You will save quite a bit if you prepare even a fancy meal or two at home instead of going out for an expensive dinner once or twice a month. You could cut down on gas and car maintenance costs if you get in the habit of using public transportation for your commuting needs. Get on the bike if you live relatively close to your workplace to cut down on your commute costs. If you quit smoking or drinking, you could save a considerable amount and put it into savings. Trim unnecessary monthly bills. Do you need to pay for premium cable channels that you never watch at all? Trim as much as possible and take that same amount to stash in your emergency savings. Set a Goal If you are living paycheck to paycheck, you are probably not looking to build a fully-funded emergency fund at once that can cover six months' worth of expenses. But you do not have to save up that much cash at once. One great way to start building your emergency fund is to set reasonable milestones. Make it your first milestone, for instance, to have an emergency fund of just $250 or $500. When you reach that first milestone in a few months or even less if you are in a good income situation, you will be glad that you have at least some savings that can make a huge difference when you have an emergency. The key is to set a monthly savings goal to build your emergency fund. You could contribute a small percentage of each paycheck to your emergency fund. This will get you into the habit of saving regularly and will grow your fund over time. Where to Put Your Emergency Savings Fund? You will want to earn interest on the money you put aside for your emergency fund and at the same time to withdraw your money quickly when you need it the most. Savings and checking accounts do not offer great interest rates now. Some checking accounts even charge you for account usage. But your money will be safe in a savings or checking account and you will be able to withdraw it easily. If you want to earn higher interest, you can open a high-yield savings account or money market account to use for your emergency fund. If you are looking for financial security, put your savings into a savings account so you can withdraw your funds without hassle in case of a real emergency. Your money can also grow a bit while it sits there. If you are looking for growth in your savings fund, put it in a money-market account or high-interest bearing online savings account. The bottom line is the best place to put your emergency fund is where your funds work for you. An emergency fund will provide you with peace of mind knowing your life will not be disrupted if an emergency arises. If something unexpected happens and you do not have anything in reserve, you could rack up debt on your credit card or maybe even consider a personal loan or instant loans to cover the expenses of a real emergency.

How to Build an Emergency Fund

You don’t you have an emergency fund? Don’t sweat it, here are some great tips on how to build an emergency fund for any financial crisis that occurs.

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How To Build an Emergency Fund

So you’re poor and single; that doesn’t mean you shouldn’t have a social life, right? Many of us who find ourselves between jobs or transitioning careers (or other similar circumstances) want to have a social/dating life but oftentimes we tell ourselves we’ll get around to that when we’re more financially stable. CASH 1 is know for our easy to get installment loans, but today we're asking you the all-important question: why wait to date? Dating doesn’t have to be expensive. In fact, we see no reason why it should cost you very much at all. Before you start fretting over whether or not we’re giving out dating tips, the answer is: sort of. We’re not going to tell you how to find the right person, or how to look at compatibility issues and so forth. Frankly, that’s just too complicated to stake our reputation on. But what we are willing to guarantee you is ways to save money while dating. Whether or not your dates go well, or you end up married is entirely up to you, but if it does all work out we’d like some feedback as we are considering the “CASH 1 Title Loan and Dating Service” business model. No we’re not, we are totally kidding about that. That would just not be a good idea. But we are totally not kidding about saving you money on a date. Read these tips on how to save some money while still having a social life!  Meeting People  Dating websites often cost money and bombard you with unwanted spam e-mail. That’s because they make part of their income by selling your information to third party spammers. Not cool, at least not in our eyes, and often the data points for your matchup are processed by a program with specific algorithms intended to check for potential compatibility. We’re not necessarily saying dating websites don’t work , we’re just saying they can’t account for the infinite human variables that arise from individuality. Often times, when the matchups aren’t successful, people get discouraged and inappropriately blame themselves when in reality; they should be blaming a computer for putting them with the wrong person in the first place. Try this: join online communities that have similar interests to yours. Like music? Join the local symphony fan club. Like comic books? We bet there’s an online community in your area that has a comic book fan website. Don’t do it for the purpose of hooking up with people, do it so you can make new friends and as you do so, you will probably find a few folks you’d like to ask out. This takes the pressure off trying to find that “perfect someone” through a dating website and allows you to get to know real friends and potential significant others based on mutual interests. And hey, if it doesn’t work out, at least you’ve met some new people and made new friends!  The Long Distance Date  The long distance relationship – which used to be thought of as a bad thing – has become an important facet in the world of modern dating and we’re going to give you some pointers on what you can do if you meet someone who happens to live three time zones away, and you’re both on a budget. So, we've pointed out how you could meet local people with similar interests and not spend a fortune hitting up all the nightclubs and so forth. But let’s say you have an interest in model trains and there’s no local club or website for that (which would be a mistake, who doesn’t like model trains?), and you’ve found yourself having to join an international website for model train enthusiasts. On the plus side, you’ve begun making new friends all over the world! On the downside, you think you may have met that certain someone special, but they live in Alaska…on an oil rig…and they work nights. Dating can be very challenging in this situation. Challenging, but not impossible. So what if neither of you can afford plane tickets to see each other twice a week? There are still a host of things that you can do across vast distances to foster and grow your relationship! Get to know each other in a “private” setting. Set up a private message board that only you and Oil Rig Worker can access. You can spend lots of hours chatting and getting to know each other. There’s no limit to the possibility of things you can discuss and it only costs whatever you’re paying in internet fees. But there’s more. If Oil Rig Life Partner gets a cell signal, you can start dating by phone, and we’re not just talking about talking. Pull up the same movie on your favorite Streaming Entertainment Website and if you both have the ability to count to three and push “play” simultaneously; presto! Instant long-distance movie date! Enjoy the movie and have a chat afterward about how much you liked or didn’t like it, and perhaps how the theme of oil rigs was crucial to the international spy finding the villain just before he triggered his doomsday device. You can get to know a lot about a person these days without ever actually meeting them face to face. What happens once Oil Rig Spouse-to-be has moved to your neck of the woods?  Dinner and a Movie  So, Oil Rig Honey has cast aside his or her life of relative solitude to come and be with you. Romance and bliss are in the air, happiness is surely in your future, but you’re still poor and Oil Rig’s bank account was drained from the relocation. How to commence dating without endless repetitions of home cooked meals and watching TV? Here’s how: That foundation of American dating can be enjoyed in so many more ways than simply hitting your favorite theater and the local eatery; or vice versa. Want a cheaper version? Try the drive-in. There are drive-in movie theaters in Reno, Las Vegas and of course, there’s the Glendale 9 in Arizona. Take some beach chairs and a take-out dinner and enjoy a warm evening under the stars watching the latest blockbuster. Drive-ins have cheaper admission fees, so you’ll save a bit right there. Of course, this really only works best in the warmer months. In colder months, we recommend an actual theater (check local listing for matinee showings) as “Closed for the Winter” is not really a movie. Still too much for your budget? Set your laptop up on your back patio, bring a couple of candles, and take your dinner outside for “Homemade Drive-in Theater”. You can still watch last year’s blockbuster on your favorite streaming entertainment service. Check for local festivals and art shows . Most events hosted by your local municipal government are free of charge and culturally enriching. Whether it’s a performance of Shakespeare at your local park or the symphony orchestra giving a performance, events like these can spark interesting conversations and chances to get to know your date in terms of art appreciation and preferences.  Picnic, Picnic, Picnic!  Find out if a local dairy, farm or historic mansion offers free tours. These can be opportunities to get to know each other without having to sit silently through a movie or performance type activity.  Local High School Sports  Find out what you both like, and go cheer on your local budding high school athletes. You’d be surprised how much fun a local high school football game can be even if you don’t know anyone on either team.  Local Wineries or Microbreweries  Find out if you have any local wineries or microbreweries . Most of them offer free tours and samplings. Combine that experience with the aforementioned local symphony orchestra performance and you’ve got a very high-class date that will cost less than dinner and a movie! Love isn’t cheap, it’s priceless, but you can save a few bucks while dating. CASH 1 believes in old fashioned romance, modern long distance dating, and helping people out if they find themselves in a financial bind. If you find yourself short of cash, come see us for personal installment loans . In the meantime, best of luck to the happy new couple.

How To Date On The Cheap

Read these tips on how to save some money while dating!

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How to Date on the Cheap

Once was a time when the American Dream was to own a home, two cars, have a family and maybe ultimately become independently wealthy. Those days are not necessarily gone, and for a lot of people that dream has not changed, but in the last few decades, about half of middle class America has had to reduce to one car, while simultaneously increasing to two incomes. Used to be a time when we said ‘tough times are here, but things will get better’. But one economic study after another has indicated that two-income single car households are now the norm, and the dollar does not go as far as it used to. So Americans have decided to find alternate ways to make that second income. If having a yard sale isn't going to cut it, the most ideal situation for a second income is the ability to work from home, but there are very few jobs that will allow a person to ‘telecommute’. That doesn’t mean you can’t earn money from home, however. When you need money quick, here are ten of the best ways to earn an income from your own home. Note: these are legitimate tips on how to make money from home, not ‘get-rich-quick’ schemes or minor activities that only net you ten or twenty bucks a month. Your success depends on you. We make no guarantees of income and cannot promise you will be able to work from home simply because you tried one of these ideas. 1. Make and sell your stuff. Usually when people hear this, they think of things like carpentry; furniture makers or skilled craftsmen, or people who make decorative crafts and sell them on boutique sites. But there are any number of things you can make at home and sell online to supplement your income. Got a super-secret tasty BBQ sauce recipe? What about an authentic spaghetti sauce? You can make it and sell it online! And we’re not just talking about specialty sauces. Increasingly, comfort food saues like salsa or pasta sauces are becoming big sellers online to those who just don’t have the time to cook a full meal at home, but want that home cooked taste that doesn’t come from a store brand jar or can! And, of course, if you do have a talent for arts or crafts, there are plenty of outlets for you to sell your products. 2. Work remotely for a call center. If you have a computer, internet connection and a good landline, chances are you already have the tool to remotely work for a call center. Many call service oriented businesses are realizing they can cut a lot of costs by having their employees make calls from home. You can work for a politician, survey taking business, or any number of services that involving contacting people by phone. If you use your computer to make the calls, there are lots of online programs that will keep track of your calls and you can be paid on that basis. Do an on line search for ‘call center employment’ and check out the results. 3. Become a consultant. Do you have specialized knowledge about a given subject? Got experience and knowledge about such things as interior design, or financial counseling, or something else that would be useful to the public? Start your own consulting business. You don’t necessarily have to shell out a whole lot of expense to get the word out. Social media is a great source to advertise your service, and enlist your friends to help spread the word about the services you offer. The rest is up to you. 4. Sell your words. Like to write? Check out online services such as ‘Upwork’ or ‘Freelancer’. These services connect freelance writers with businesses who need to have their content written in a professional, humorous, or simply plain communicating manner. Thanks to these online services, freelance writing is not just for those who were lucky enough to get into the business. As always, it is important to build and maintain a good reputation, but eventually you could find your services in high demand. (Note: the person who wrote the words you are reading right now did so from his office at home. It does work.) 5. Medical transcriber. It may sound similar to freelance writing, but this particular service does require specialized training, usually from your local community college or an online service. The cost is around $3,000 for the certification process. This is because medical transcription is an exacting task, and you need to be familiar with a lot of terminology that is not typically used in the public vernacular. But, if it’s something you think you would enjoy, then consider the cost an initial investment in your home business. Check first with your local community college and see if they offer training as a medical transcriber. 6. Open up a bed and breakfast. Got an extra room or two? Live in a place tourists like to visit? Do you have a very high tolerance for strangers being in your home, and don’t mind making them breakfast? You might want to think about operating your own bed and breakfast . In most states, B&B’s don’t have to have the same kind of business license as regular hotels/motels, and if you live in a highly desired destination, you could put your extra bedrooms to work for you. This is especially appealing to those whose children have recent grown and moved out of the house. We don’t recommend just hanging out a shingle with “B&B” painted on it. Do plenty of research into what it will take to operate a successful one, so you know what you’re getting into. 7. Sell used books. If you have one or two used bookstores in your town, or some thrift stores that have a book section, you might be able to make a profit from buying those books and selling them online. Amazon is a good place to do this. Even if you sell a book that costs you a dollar for three or four dollars online, you’ve made a decent profit that can really add up over the course of the week. Remember: buy low, sell high. 8. Be an online juror. This one will demand your time and concentration, but it can provide a few extra bucks by working from home. Check out website like ‘ejury’ or ‘online verdict’. These are companies that ‘sell’ juries to law firms who stage mock trials in order to get a feel of how a real jury would vote. This is completely legit. Essentially, these attorney firms prefer to try out arguments on synthetic juries who can give them potentially valuable feedback on how to conduct their actual cases. 9. Try Tutoring. Simply put, if you have decent knowledge in an academic subject, you can very likely make money tutoring those who need help in that academic subject without ever leaving your home. Everything is conducted online, sometimes via live video (so make sure you’ve got the right equipment). There are a few services out there that will link you up with potential clients. Check out ‘tutor.com’ and go from there. 10. That one great idea. Are you the inventive type? Do you have a product in mind that you think would sell millions if only there were someone who could help you get started? We could name any number of stories about someone who built a light camping trailer and wound up selling millions because it was a unique design or had incredibly useful features, or that other someone whose grandmother had recipes for homemade soap in her attic and now she markets an entire line of personal cleansing products. If you have that one great idea floating around in your head, you could be sitting on a potential gold mine of income. Not sure how to get started? Try this search: “How do I get my invention to market?” Skip over all the “sponsored” links and thoroughly read through all the articles you can find. Once you’ve done that, make sure you do some research on how much you will need in startup costs. As with all new products, there is always an initial investment, and we want to make sure you understand all the risks involved. Once you’ve done that and you find you still need seed money to get the materials to fire up your new invention, come see us at CASH 1 and get cash for title loans with Nevada title loans or Arizona title loans .

10 Ways to Make Extra Money from Home

Make extra money from home. These are legit tips, not ‘get-rich-quick’ schemes or minor activities that only net you ten or twenty bucks a month.

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10 Ways To Make Extra Money From Home

We’ve covered elsewhere the possibility that you may have an unexpected but necessary auto expenditure. In other words, your car breaks down at the least opportune time (and really, when is there an opportune time for your car to break down?), and you find yourself in the position of having to pay to fix it, but you don’t have the extra money. That’s when you come see CASH 1 for hassle free payday loans, car repair loans or online title loans with no traditional credit check . But there are other potential auto expenditures that can pop up (also at the most inopportune time) that don’t necessarily constitute an emergency; at least not immediately. Tires Your tires are the only contact your vehicle has with the road while you are driving. They are the final determining factor in whether or not your vehicle will turn effectively or safely. You want to save money on tires , but when the tread wears, that effectiveness is reduced. Bald tires are far more likely to give way and send your vehicle into a skid when cornering than tires with sufficient tread, even in dry weather. Many people make the mistake of thinking the tread on their tires is just for weather-related issues; rainy or snowy roads. But gravelly conditions on a perfectly dry road calls for good tread in order to avoid losing control of the vehicle. Some mechanics will advise you to replace the tires when the treads have worn down to 2/32 of an inch. But studies have shown that a car with that tread depth takes more than a hundred more feet to come to a stop than a car with tread twice that deep, even when the brakes are in perfect working order! It’s a good idea to replace your tires when they reach 5/32 of an inch to maintain effective safety and mobility. Brakes Have your brakes checked twice a year. Most brake shops will do this for free. Your brakes are just as important as your tires in terms of maintenance when it comes to handling and stopping capability. Worn brakes can take up to three times the distance necessary to stop a vehicle. Don’t just trust your mechanic to tell you when you need your brakes redone. If your car wobbles whenever you apply the brake, or there are squealing noises, or the pedal feels ‘soft’, you need to have your brakes inspected immediately and have repairs done if necessary. Transmission This is not so much a safety factor as it is a convenience factor. Ignoring issues with your transmission will very likely lead to far more costly repairs and potentially dangerous situations down the road, particularly if your transmission fails on a remote road and you are unable to call for help. The most serious symptom of a bad transmission is called ‘shift shock’. If your transmission shifts abruptly into another gear, then it is not performing as it should. Also be aware of other signs such as ‘slipping’ (when a transmission hesitates between gears) and difficulty downshifting. Sure, if the radio goes out, you can let that slide until you have some money to fix it. Same with the Air Conditioner (although increasingly in newer model cars, the AC is used to help defrost your windshield), but the above three factors cannot and should not be ignored. If you have any of these issues, get your car checked out, and if you’re looking for car repair assistance for low income come see us at CASH 1 for pre approved payday loans or fast title loans. We have services in Arizona and Nevada. Here's an infographic to remind you that prevention and small actions can help avoid costly car repairs. Happy motoring!  Avoid Doing This to Keep Your Car Maintained    Long idle periods   Rapid acceleration   Speeding above 65 mph   Crossing 3,000 rpm   Overloading the vehicle with weight Best Practices to Save on Car Repairs   Accelerate gradually   Shift to neutral or stop the engine at red light   Check frequently – Engine oil, brake fluid, coolant, power steering fluid, transmission fluid   Conform proper wheel alignment   Check tires pressure including spare   Ensure proper battery cable connections and terminals are corrosion free   Get it insured

Maintain Your Vehicle and Happy Motoring

Here's an infographic to remind you that prevention and small actions can help avoid costly car repairs. Happy motoring!

Maintain Your Vehicle and Happy Motoring | CASH 1 Blog - News

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Here&#39;s an infographic to remind you that prevention and small actions can help avoid costly car repairs. Happy motoring!

According to the American Pet Products Association, Americans have spent over $50 billion annually on their pets since 2011. It’s estimated that we will pay over $58 billion this year . That's more than the average household spent on alcohol. Considering this enormous dollar amount, we thought it would be a good time for you to ask yourself these questions and save some money in the process. Are you overfeeding? An estimated 54% of dogs and cats in the United States are overweight or obese. Americans have spent almost $22 billion on food in 2013 so it’s not surprising. If you go to the vet on a regular basis (like you should) you will know if you have a fatty. Are you hiding from the vet? The best way to save on veterinarian expenses is to keep up with those annual checkups, vaccinations and medications. Cancer is the number one natural cause of death in older pets. Catching it early can save your pet’s life and help you avoid expensive treatments. Brushing your pet’s teeth once a day can prevent periodontal disease. 85% of pets have it by the age of 4. Not taking your pet in for routine dental cleanings will result in a mouth full of painful teeth and damage to their internal organs when they are older. Are you paying pet rent? Higher deposits and possibly paying extra cash every month for Fluffy and Fido could cost you hundreds, maybe even thousands, of dollars a year. There are quite a few landlords that love animals and usually have some pets of their own. They understand that it isn’t fair to charge more for your beloved pets. Start looking for a pet-friendly rental a few months before your lease has expired. It does take more time to find one, but think of all that money you’ll be saving. Do you travel with your pet? Bringing your pet with you on vacation saves you money on boarding services and in-house pet sitters. Check out pet-friendly hotels and rentals with the AAA PetBook. Are you preventing injuries? An inescapable yard and walking your dog with a leash can keep your buddy safe. If you care about your cats, then having them as indoor-only pets will triple their life expectancy. Pets that have been hit by a car or poisoned can cost hundreds to several thousands of dollars. In 2013, The ASPCA's Animal Poison Control Center (APCC) in Urbana, Illinois, handled nearly 180,000 cases about pets exposed to possibly poisonous substances. Topping the list for the sixth year in a row are prescription human medications. Go through your home and find these hazards and keep foods with c hocolate, coffee and caffeine away from your pets. You can follow these savings tips, but we understand that emergencies can still happen. If you need extra money for your pet applying for Arizona Registration Loans or a Nevada Title Loan online, over the phone (800-431-3532), or at one of CASH 1’s convenient store locations in Arizona or Nevada could be an excellent option.

Are You Spending Too Much Cash On Your Pet?

Pet spending is at an all time high. Are you spending too much on your pet? Here some tips to save money...

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Are You Spending Too Much Cash on Your Pet?

Are you running out of cash? Are you looking to buy that perfect item that's been lying in your shopping cart since forever? Here's a mini-tutorial on how you can get extra money when you you need cash in Utah . Work from Home Jobs in Utah  1. Surf the Internet. Get Paid for It  There's no need to reread the title; it's true! You can make money online right now by surfing the internet on search engines like Bing. For every search, a certain amount is credited into your account by Bing Rewards. You obviously can't make a fortune doing this, but if you're running short of cash for a good meal and a drink, give this a try and make money in Utah.  2. Register for Online Focus Groups  Focus groups are an extremely easy way to make quick money. Most groups will require you to fit certain criteria, depending on the focus, but if you fit the bill, they'll pay you anywhere from $50 to $150 per session. That's a pretty good payday for one or two hours of your time and your opinion. Check out the Find Focus Groups website website to search for focus groups.  3. Rent Your Junk  We get it; this is tough. If you love all of your stuff, renting or selling it goes against everything you believe. But there's this tiny little chance that you may end up enjoying this. If you're into making money with almost no investment, this is a good option. Sign up for an account at Fat Lama , list items that you don't use or need anymore, and wait until someone wants to rent it out. Bonus - When you sign up, you get a $25 credit to rent items from other platform users!  4. Download Apps  Countless companies talk about how good their apps or websites are, and they're willing to do anything to convince you. This includes paying users to download and review their apps . If you think it's just a few small companies, you'll be surprised. Companies like Google, Facebook, and such also offer cash for you to download the app, and they keep doing so for as many months as you have apps installed. Out of the House Jobs in Utah If you're more into on-location jobs or sitting at a desk makes you happy, we suggest you look for jobs around you. Approach your local restaurants and check if they have any opportunities. You can also advertise your freelance services in the neighborhood to get more bucks (and clients!) or check the local newspaper for job offers that meet your requirements!  5. Deliver Happiness  You may find the title for this one a little dramatic, but come on, some food at times can be synonymous with happiness. Deliver delicious food from local restaurants in Utah through Uber Eats and make money anytime you like. Delivery time can be the day, night, or any other hour you're happy with. It's flexible, it's great work, you get tips, and you get paid weekly! What could be better?  6. Drive Around  Well yes, you do need driving skills for this one, but who doesn't drive these days? You? You can most definitely learn. Once you do, register yourself as a driver on Uber and drive people around town. You can strike up conversations, learn from tourists, or maybe guide them on where to go! Here's some good news- Since Uber's introduction of the instant payout option, you can get paid even faster!  7. Odd Jobs  If you know anything about Craigslist, you know you can make a lot of money doing everyday chores . Just sign up as a part-timer and take your neighbor's dog on a walk, babysit kids, make deliveries, etc. Of course, the work is entirely flexible, and you have total control over the sort of work you're comfortable with. Sometimes the demand is good, so if you're active often enough and respond swiftly, there's a huge chance you can develop a pretty solid client base.  8. Amazon Flex - Be a Delivery Driver  In West Valley City, there are multiple openings for Amazon Flex drivers. Plus, points if you have any previous experience. The money ranges from $15 to $30 per hour and is enough to give you a financial head start. Also, driving for Amazon Flex has some moral benefits. You'd be delivering essential items to people in need of food or medicine during these tough times.  9. Work at Denny's in Tooele, UT  If serving, cooking, or hosting is your thing, the Denny's in Tooele is a great option. Entertain your guests and get paid for it. This is an especially good option if you're looking for a job in the service industry. Don't forget to check whether you're qualified for the position.  10. Salt Lake County - Public Information Officer  Ensure original/informative content on various issues to be released to the public. Writing, editing, and blogging skills are required. The best part? You'll be paid anywhere between $24-37 an hour, depending upon your performance and previous experiences. It's a full-time commitment, but if you think you can make it work, there's no reason why you shouldn't try. Let's also add that assisting with policies and legislative requirements is an important task, suitable for you if you're tired of small odd jobs.  11. Work as a Customer Service Agent  Answer calls from patients at Sutter Health, Salt Lake City . Your duty may include answering general inquiries, creating payment plans, registering new patients, and scheduling appointments. The job requires an AA in finance or a degree in HR/Business Management/other equivalents. According to the job, you must be familiar with basic MS-Office tools, have some experience in the healthcare department, etc.  12. Customer Service Representative  In Ogden, full-time positions for a customer service representative are available. At $16 an hour, the money is perfectly decent. Also, the quarterly performance bonus goes as high as $2,000! Other incentives include paid parental leave, paid time off, and employee discounts. You have to interact with the customers on call, assist them with post-order issues, maintain professionalism, and solve problems efficiently. No educational requirements are listed, and hence there are no barriers.  13. Packer at Frito-Lay  If you're wondering what qualifications are required for this job, you only need to be over the age of eighteen. All you have to do is construct boxes and pack them with amazing lip-smacking snacks . If you're lucky, you can also score job offers with the parent company PepsiCo. It's a great opportunity with around $16 an hour and working hours ranging from 40-50 hours a week.  14. Residential House Cleaner  This is a full-time position with a modern, fast-paced cleaning service that offers day-shifts. The recruiters have a very positive attitude towards work and personal development. All you need is a driver's license and cleaning skills. Once you are eligible, you can contact Happy House Cleaning in West Valley City, Utah . The pay? Anywhere between $700 to $800 per week. Not bad if you ask us. Get Out There and Make Some Extra Money We hope these money-making ideas inspire you to get some extra cash in Utah. Whether you're looking to work on location or you'd like to make money from home , these suggestions should help you find your perfect job. We wish you all the luck in your journey.

How to Make Money in Utah

Check out these great ways to make money in Utah. Some of these ideas are good for quick cash, while others could become legitimate streams of income.

How to Make Money in Utah | CASH 1 Blog - News

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How To Make Money in Utah

Young adults are often seen with energy and enthusiasm while moving out on their own. If you are a first time renter or renting with bad credit , you must be really thrilled to enjoy the fruits of your labor for the first time in life. We won’t be surprised if you say you are planning to rent a house rather than buying one in the city. Buying a home right out of college or right after moving out of your parent's place is unreasonable for most people, and you have decided to go with the much cheaper option when you move out and start living on your own. However, making any big life-changing decision requires you to do plenty of research and perform numerous checks before you finally move into the house or apartment. You won't be able to sit in one corner of the world and find that perfect place to live. First-time renters have done it and ended up with worse problems than tiny rooms and annoying neighbors. Renting may be one of the most significant financial steps you've taken, so naturally, you want to do it right. If you're renting for the first time with no credit, you may have to get a cosigner . A cosigner is someone else who will also be responsible if you are unable to pay your rent on time, this is usually done by your parents; however, if you are unable to get a cosigner, there are also some other options available to you. Let's not talk about the countless problems that other people may have encountered as first-time renters, but instead take preventative steps so that you never have to experience these problems first hand in the future. For this reason, here is a first apartment checklist for new renters. You can keep it handy when you are ready to go house hunting. We hope you find your new fortress of privacy and independence with this first-time renter's guide. We have tried to present them in the most appropriate chronological order as we could. Check #1: Be Budget Conscious Rent is going to be one of your most significant monthly expense from now on. It can either make or break the comfortability of your lifestyle. This makes it essential for you to identify how much you can afford to pay each month so that you have enough cash left to spend on food, fun, and unexpected expenses. Though you have the option to get emergency loans for rent, it's better to use them occasionally. Most experts say that to be on a safer side, your rent should be not more than 30% of your take-home pay. If you get the house that perfectly fits in your budget, don't forget to ask for a written transcript from your landlord about what expenses are covered and what is not. Check #2: Get Your Needs Met First Before dreaming about everything you want in your first rental home, it is essential to determine what you need. Trust us, your home search could be a great experience if you separate the things you truly need from the amenities you’d love to have but can live without. For instance, if you have no plans of buying a new vehicle shortly, it is good to find an apartment close to public transit or your office as you need to be able to get transportation to and from work or be close enough to walk or ride a bike. It is also essential to make sure you are close enough to a store to do your shopping. On the other hand, amenities like a gym, pool or movie theater on the premises could make your rent more expensive and are things you can live without. Check #3: Don’t Believe What You See Online Visiting your would-be apartment in-person can help you get more familiar with the neighborhood, you could ask essential questions upfront and also check whether your bed will fit in the room. Yes, you read it right. Many tenants often get carried away by the aesthetic of the home and forget to measure dimensions of places in the house to make sure their furniture will fit. You can surely get some quick funds to buy new furniture, but it is always wise to get spacious rooms that are the right size for your existing furniture to save money and not have to buy new ones. Also, make sure that all of the appliances are working correctly before your move into your new den as you'll want to make sure the landlord gets those fixed. Also remember that whenever things break down in the apartment or house, it may be covered by your landlord in the contract, so there is no need for you to pay someone to come and fix it. Check #4: Make Way for Deposits Being a first-time renter, you might not know that having just enough funds to pay your first rent is not all. To secure the apartment, you will need to pay the security deposit as well. They are often equal to your one month’s rent, while it isn't usually recommended you get a security deposit loan that is an option. However, security deposits are way better than spending on substantial down payment when you purchase a house, you need to be prepared for it. An application fee is typically required which can range between $25 and 100 and if you’re bringing your pet along, a pet fee/deposit is generally due before move-in. To avoid unpleasant surprises, read the lease and look for deposits or unexpected fees before signing it. And remember if you don't cause any problems or break anything in while you are renting, you can get the security deposit back after you move out. This brings us to the 5th checkpoint. Check #5: Pour over the Lease Agreement When you have the lease agreement in your hand, go over it carefully and make sure that everything you thought would be on there is. You should never feel rushed into signing a lease even if the house looks like the one in your dreams. Read the contract thoroughly and don’t hesitate in asking questions when you see something that concerns you. Be sure that what you and the landlord agreed on verbally is written verbatim in the lease agreement. For example, if your landlord ever mentioned that it’s acceptable to have a dog and no additional fees will be charged, make sure the lease agreement states it word for word. This can save you from making unexpected payments that your budget may not permit. Check #6: Make Minimum Use of Credit Cards Talking about payments reminds us of your Credit Card usage. Don’t be in a hurry to establish credit when your first paycheck is still due. Having a few credit cards and paying off a large sum of debt in a reasonable amount of time can definitely help strengthen your credit score. However, we would suggest you be Scrooge-like while using a credit card. Since it is easy to get funds even with no credit, avoid carrying over balances month-to-month. You may not realize how quickly your debts could start accumulating interest and before you know it you could be in financial trouble with those debts. Therefore, use credit cards only in case of emergencies whether you are a first time or a long time renter, or at least try and keep your credit card balances low and make sure you pay them off each month to avoid having to pay any interest on them. Check #7: Get Renters Insurance It probably sounds like yet another expense, but renters insurance really is necessary- almost as essential as your own home insurance. While your landlord gets his house covered against any structural damage, you can get insurance to cover the probable costs to your possessions too. Still on the fence about it? You probably plan to buy new furniture for your rental as you are moving out of your house for the first time. If God forbid, there’s a break-in inside your apartment, or your furniture gets damaged due to any unpleasant occurrence. It is always better to get coverage when all your renter's insurance typically costs you is $10-20 a month. For more information on why you should get renters insurance see: EffectiveCoverage.com .  Check #8: Plan Your Exit Strategy in Advance You will be excited about your first time as a renter, but you should be thinking about moving out before moving in. It might sound like a drag, but if you are only going to be living here for a year or two, you have to prepare for your eventual move out as well. This is because, when you decide to move out, your landlord and leasing companies know that the probability of you ever coming back is close to zero. They may intend to deceive you and try to take as much as possible from your security deposit. To avoid such situations, get some proof in the form of photographs of the place and the copy of all the documents that you sign. You'll also want to make sure that all of the things that are already damaged before you moved in have been noted in your renter's agreement before you move in. Otherwise, you could be charged for damages that you didn't cause. All in all, if you wish to make renting a pleasant experience with the right landlord and neighborhood, it's safe to stick to this checklist and avoid any rookie errors. For all the other goof-ups as a first-time renter that could put you in need of emergency loans for rent, you can rest easy knowing that CASH 1 has you covered.

How Can First Time Renters be Safe and Save?

If you are a first time renter and have little to no credit, here are some great tips. Follow this guide to make your first apartment experience a good one.

How Can First Time Renters be Safe and Save? | CASH 1 Blog - News

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How Can First Time Renters Be Safe and Save?

Most of us know that a car title serves as a certificate of legal ownership, but who knew it is also called a pink slip? When a car is purchased, the title is transferred to the new owner. Your state's DMV, MVD, or Secretary of State issues you the title. It indicates who the owner is and information about the car, such as the make and model. If you need to sell your vehicle, refinance or buy one, it's essential to know what each car title represents.  There are different classifications of car titles, and the main types include:  Clear Title Out of all of the different types of titles, a clear title means you have 100% equity in your car . This makes you eligible to sell your car to another party. This title indicates there is no outstanding financial burden on the vehicle to prevent it from being sold. Lienholder Title If your vehicle has a  title loan  or you are still making payments, the title is in possession of the lienholder. The title will list the lender as the lienholder, and you will be listed as the owner. Salvage Title A salvage title is issued to a car with a significant value decrease due to a substantial accident, subsequent repair, or theft. Typically, a vehicle will receive a salvage title if it loses more than 75% of its original value. A salvage title is generally issued by the car's insurance company. So long as the vehicle can pass a safety inspection, cars carrying this title are legal to drive. Dismantled Title A dismantled title is similar to a salvage title. It's given to cars that have been severely damaged, and repairing them would not make financial sense. Suppose the cost of repair is higher than the vehicle's value. In that case, a dismantled title is needed to sell any remaining valuable parts. Junk Title A junk title is issued to sell a car for parts or scrap metal if it has been sold to a junkyard. Bonded Title If a car has missing ownership documents, a bonded title is given along with a security bond equal to the car's value to the new owner to ensure they are protected should a future ownership claim arise. A bonded title is valid from three to five years. Reconstructed Title For cars that have gone through major repairs or transformation, the insurance company issues a reconstructed title. The care must be inspected and deemed safe for public roads before a reconstructed vehicle can be registered for normal use. Rebuilt Title Somewhat similar to a reconstructed title, but this title is for vehicles that have been significantly rebuilt. Much like the reconstructed title, it is issued by the insurance company or the place where the repair work was completed. Once the car passes a safety inspection, it is legal for use on public roads. Water Damage Title This title is issued to cars that have significant damage from water. As a best practice, you might consider having a car inspected for water damage, especially when buying a used car, to guarantee no surprises. Odometer Rollback Title It is illegal to turn back a car's odometer. If that has occurred, an odometer rollback title is given to the car. Lemon Title Although each state has different laws defining what makes a car a lemon, if a car has many components that don't function properly and is unsafe to drive, it may be branded as a lemon. However, before that occurs, the car has the opportunity to be repaired. If the problems persist, it will then be branded its official lemon title. Export Title To clear customs, an exported vehicle needs documentation. A clear title will not be possible if a vehicle is not declared at the exit point. To avoid port storage fees from accumulating, start the title process early. Import Title An imported vehicle to the U.S. must have a legal title to clear customs. Suppose your vehicle was not manufactured for the U.S. market. In that case, you'd need to meet certain requirements to certify that the vehicle is legal to operate in the United States. The Environmental Protection Agency (EPA), Department of Transportation (DOT), National Highway Transportation Safety Administration (NHTSA) , and other agencies need to verify that your vehicle meets standards for emissions, safety, and other guidelines before entering the states. Electronic Title Paperless or electronic titles are available from certain state title systems. You can request to obtain a title document for getting a loan or a transfer. Look Out for Car Title Laundering or Washing If you're buying a car that was last registered in another state, look out for title washing. Any attempt to hide or change a vehicle's designated title is against the law. This is designed to discourage car sellers from selling damaged cars for more than they are currently worth. States classify titles differently, which means if you purchase a vehicle in another state, it may not transfer. Research your state's title classifications to verify that a vehicle from another state has a valid title. It's always a good idea to have the car inspected by your mechanic and get a vehicle history report online. Research Title Types in Your State If you're ready to buy a car, it's best to be in the know about car titles. Check out your state's title classifications with these links.  Alabama Vehicle Title Information Alaska Vehicle Title Information Arizona Vehicle Title Information Arkansas Vehicle Title Information California Vehicle Title Information Colorado Vehicle Title Information Connecticut Vehicle Title Information Delaware Vehicle Title Information  Florida Vehicle Title Information Georgia Vehicle Title Information Hawaii Vehicle Title Information  Idaho Vehicle Title Information Illinois Vehicle Title Information Indiana Vehicle Title Information Iowa Vehicle Title Information Kansas Vehicle Title Information Kentucky Vehicle Title Information Louisiana Vehicle Title Information Maine Vehicle Title Information Maryland Vehicle Title Information Massachusetts Vehicle Title Information Michigan Vehicle Title Information Minnesota Vehicle Title Information Mississippi Vehicle Title Information Missouri Vehicle Title Information Montana Vehicle Title Information Nebraska Vehicle Title Information Nevada Vehicle Title Information New Hampshire Vehicle Title Information New Jersey Vehicle Title Information New Mexico Vehicle Title Information New York Vehicle Title Information North Carolina Vehicle Title Information North Dakota Vehicle Title Information Ohio Vehicle Title Information Oklahoma Vehicle Title Information Oregon Vehicle Title Information Pennsylvania Vehicle Title Information Rhode Island Vehicle Title Information South Carolina Vehicle Title Information South Dakota Vehicle Title Information Tennessee Vehicle Title Information Texas Vehicle Title Information Utah Vehicle Title Information Vermont Vehicle Title Information Virginia Vehicle Title Information Washington Vehicle Title Information West Virginia Vehicle Title Information Wisconsin Vehicle Title Information Wyoming Vehicle Title Information

What Are the Different Types of Car Titles?

Buying or selling a car? Know the different types of vehicle titles. Titles are branded differently from state to state. To avoid a scam, read this article.

What Are the Different Types of Car Titles? | CASH 1 Blog - News

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The headline at the link pretty much says it all: Americans are back to their pre-recession spending habits . As enthusiastic as the article is about the fact that Americans are spending more and saving less, we’re not so sure this is a good thing. In fact, we’re not so sure this is actually a tangible method for measuring economic growth, at least not when compared to other economic realities since 2008. So we thought we’d take a look at some of the factors trumpeted in the article as positives and see if they actually do measure up to economic success or if perhaps things aren’t as rosy as we’re being told they are (chances are, you already suspect this, but read on if you want to confirm your suspicions).    “The jobless rate is the lowest since 2008”. Well, that certainly sounds promising, right? The jobless rate has dropped. But note the key phrase here: “since 2008”. This means that the jobless rate is simply at its lowest since the start of the Great Recession. According to the Bureau of Labor Statistics however, the 4.9% unemployment rate is still higher than at any time since the early 1990’s. Don’t get us wrong, we’re glad unemployment is down, but many of you are still feeling the sting of being without a job, or in a household that has been reduced to one income.      “Overall spending on technology has trended upward since 2009”. As great as this may sound, there are several factors to consider here, not the last of which is the development and refinement of smartphone technology in the last five years. That may not seem too relevant until you note that most of the major cellular carriers have mandated an upgrade from their customers in order to eliminate the need for the upkeep of older technology. Last year alone, cellular companies Cricket, Verizon and AT&T switched to newer signal carrier technologies and compelled their customers to upgrade phones. Since more people now use their cell phones as their primary communications device, such required change is likely to be reflected in “an increase in spending on technology”.      “In March 2015, the current bull market hit a six year high, gaining more than 200 percent since it bottomed out in March 2009. At present, it is the third-longest bull market in history.” Again, this sounds like everything is back to where things were before the 2008 economic collapse. But again, it is unlikely this is an accurate indicator of economic growth (and thus, consumer spending confidence). Quarterly economic growth has averaged just 2% since 2009, according to Forbes Magazine. That is the slowest period of economic growth in U.S. history (including the Great Depression, which saw quarterly growth average over 3%). Employee salaries have not increased much either, rising less than 2% since 2008. That’s eight years without a significant raise. And yet:      “Americans spent the most on essentials such as housing, healthcare and transportation, which, when combined, account for more than half of all spending.” We have to wonder: is this a good thing? More than half of our income was spent on shelter, healthcare and transportation. One would think that essentials like food and clothing might be included in the top three things Americans spent their money on, but then consider the fact that the Affordable Care Act went into effect in 2013 and mandated all United States Citizens to have health care coverage or face punitive fines. Gallup notes that 75% of Americans claim their health insurance premiums have gone up every year for the last three years. For some, those premium increases are going to skyrocket this year (up from 25-49% in some American markets).      “The greatest spending gains for 2014 are mostly in the realm of nonessential categories such as alcoholic drinks (in home), dining out and vacations and tourism.” This means people are doing these things (drinking, eating out and vacationing) again where they simply weren’t when the recession was at its worst. It’s good to see that discretionary spending has increased, but since 2008, up was the only direction discretionary spending could travel.  Those are just a few of the aspects of the article we wanted to point out in order to make a point: just about anything can be spun to seem as though things are better than they were, but that doesn’t make a bit of difference to people who haven’t experienced these growth rates. Discretionary spending may be up, but according to the U.S Census Bureau, there are more people living in poverty (46.7 million) than at any time in U.S. History, including the Great Depression. That translates to 14.7% of the population, the highest rate since 1964. But American spending habits – even if they’re back to pre-recession levels – have changed a great deal, and it’s likely to be a permanent change. If you read the first linked article above, you might have seen that more people are spending money on vacations and travel. This is a drastic change from pre-recession spending which saw most discretionary spending going toward material goods. Yes, people are still spending money on material possessions, but where spending on things like cruise vacations and overseas travel is at unprecedented levels, department stores are actually seeing some of their worst years on record as folks spend less on things like clothes, jewelry, and the like. The shift seems to indicate an attitude that memories and life experiences have taken a higher priority than a large wardrobe. To bolster this sentiment, sales on things like movie tickets, gift cards for dining establishments and tickets to special events like concerts have hit record levels, while new car sales have slumped due to the fact that more people are keeping their cars longer. In fact, leases on automobiles are well off their 2006 peak. So this is what the economy looks like now, and this is how Americans are spending their money. In part 2 of this article, we’ll take a look at the things Americans waste their money on the most. In the meantime, if you find yourself short of cash and need a financial infusion, come to CASH 1 to see our title loan or payday loan requirements. Find out if our personal loans or Nevada title loans services are right for you.

American Spending Habits

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Developing good spending habits is essential to achieving financial freedom. However, changing your lifestyle is easier said than done. According to a study published in the European Journal of Social Psychology , it takes an average of 66 days for an action to become a habit. As such, staying focused on your goals and committed to breaking bad patterns is crucial to making better financial decisions. Here are nine easy ways to develop better spending habits that you can begin practicing today. Create a budget Writing out your monthly budget will provide you with a physical example of how you plan to accomplish your financial goals. Your budget should prioritize essential payments such as rent and groceries or paying off debt. However, you should also factor in a monthly amount to spend on fun activities such as going to the movies or having drinks with friends. Completely eliminating spending your money on activities you enjoy is unrealistic; such impractical expectations will quickly result in deviations from your budget, which eliminate the purpose of writing a budget in the first place. Track your spending habits The only way to know whether or not you’re sticking to your budget is to track your spending habits. By monitoring your expenses, you’ll be able to pinpoint your negative spending patterns and make changes accordingly. For example, you may not realize you’re spending hundreds of dollars while online shopping or by going out to eat each month. Making an effort to track what you spend money on will alert you to these negative habits. An easy way to do this is to use an expense tracking app such as Wally , which provide you with insights into your recent account activity. Set attainable goals Developing new habits takes time, and attempting to make too many changes at once may overwhelm and discourage you. Instead, try to set small, attainable goals to accomplish each day, week, or month. These objectives could be as minor as putting five dollars into a savings account each week or choosing to pack your lunch for work instead of eating out. By making these slight changes, you’ll develop better money-saving habits, which will pave the way for making bigger adjustments in the future. Have someone hold you accountable Accomplishing your goals is a lot easier when you have someone to hold you accountable when temptations arise. This person should be someone you can trust to be honest and tell you when you’re deviating from your financial goals. You could even choose someone who also wants to develop better spending habits. As budgeting buddies, you’ll be able to share tips and tricks as well as support each other when sticking to your budgets gets difficult. For example, if your buddy has to turn down an invitation to go out for drinks, consider joining them for an in-home movie night instead. When it comes to developing better financial habits, it’s helpful to have at least one friend, family member, or partner who has chosen to live the same lifestyle as you. Pay with cash instead of credit It may seem a little old-fashioned, but carrying cash is a great way to stick to your budget. If you’re planning on spending a day at the mall, where there are a lot of opportunities to splurge on unnecessary items, set a spending limit beforehand. Then, leave your credit card at home to ensure that you stick to the limit. By only carrying as much cash as your spending limit allows, you won’t have the option to make an impulse purchase or stray from your budget. Avoid temptations Impulse purchases are detrimental to any budget. Thanks to online stores, the road to developing poor spending habits is just a click away. As such, in order to develop better spending habits, you should make an effort to actively avoid temptation, whether that involves spending less time online or steering clear of shopping malls. When it comes to cutting back on unnecessary spending, 'out of sight, out of mind' is the best policy. Focus on your long-term goals Maintaining good spending habits is a lot easier when you have a clear vision of your long-term financial goals. Maybe you’re trying to save money so you can finally pay off your debts, kickstart your small business, or go on a big trip around the world. Whatever your ambitions are, reminding yourself of them each time you consider straying from your budget will make you less likely to make unnecessary purchases and fall back into your negative spending patterns. Prioritize paying off loans Debt from unpaid loans leads to additional stress and can put a strain on relationships. When you determine your monthly spending, it’s important to get in the habit of prioritizing you loan payments. In doing so, you’ll be able to get out of debt much quicker than if you continued to make the minimum monthly payments. Dedicating a large chunk of your paycheck to paying off your mortgage or title loan isn’t very enjoyable, but it’s essential to achieving financial freedom. Wait for sales Waiting for a sale can allow you to purchase the item you covet for a fraction of its original cost. To take full advantage of lower prices, try to keep track of when your favorite stores tend to have the best sales. For example, clothing stores typically offer huge discounts in January because they’re trying to get rid of their winter clothes to make room for their spring collections. Keeping track of these discount trends could easily save you hundreds of dollars over time. Plus, choosing to wait until there’s a sale will also prevent you from making costly impulse purchases. Changing your lifestyle to align with your financial objectives is not easy—it will take a lot of time, energy, and commitment. However, if you stay focused on your goals and regularly make efforts to break bad spending patterns, these nine easy ways to develop better spending habits will help you along your journey to financial freedom.

9 Ways to Develop Better Spending Habits

Bad payment patterns can derail your path to financial freedom. Fortunately, these easy ways to develop better spending habits will get you back on track.

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9 Ways To Develop Better Spending Habits

We’ve mentioned, and you probably know full well, that CASH 1 encourages responsible borrowing. A good rule of thumb in borrowing responsibly is as simple as one question: do you need the money? If the answer is no, then you should likely wait until a time comes that you do need some. Don’t worry, CASH 1 will still be here. We’ve been in business for more than fifteen years. OK, now here’s an interesting question. What if you don’t ‘need’ the money, but some extra cash could allow you to jump at an opportunity? For instance, if you found a business opportunity and you know you could make that business work, would it be irresponsible borrowing some money needed to help get the business going? Small businesses are built on loans . For many, it’s the only way they can get up and running. Now, you might be thinking we’re talking about opening a restaurant or a shop. We are certainly talking about that, of course, but these days, micro-businesses are doing really well thanks to marketplaces such as E-Bay or Etsy. Do you have a craft hobby? Are you good at it? You might be able to make some extra income through E-bay selling your hand-made goods to people who are interested in them. Used to be you could only find interesting home-made products at craft fairs or farmer’s markets, and for the people who sold them, it was a mostly ‘breakeven’ business. Now you can reach a potential worldwide audience who might want to have your one-of-a-kind decorative pieces, or your functional-yet-tasteful small furniture. Here’s a simple truth as to whether or not you might be able to make some extra money with your hobby: If you make something, and if just two or three people have not only complimented you on it, but one or two have asked if you could make one for them, then there is a market for your product. We know of a woman who orders plain baseball caps from a manufacturer, sews flowers and other accessories to the brims, and sells them on E-bay. She makes a nice extra income, and enjoys what she does. In addition, with the positive feedback she’s gotten from her customers in the form of favorable reviews on E-bay, she’s been able to expand her market and is making more than she thought she ever could. She certainly is making more than she would just trying to sell to her friends. Sites like Etsy and E-bay specialize in selling handmade crafts from micro-business owners. E-bay has an entire ‘ how to ’ page devoted to the selling of handmade crafts. Don’t think you have a craft you can sell? What about a catchy slogan on a T-shirt? You can order plain t-shirts from a manufacturer at two dollars apiece, have a funny or interesting slogan put on them, and sell them for ten bucks a pop. If it becomes popular, then you’re off to making a pretty decent profit. Of course, you need some start-up capital for your micro business. You’ll need to purchase all the materials necessary to get started. That’s where CASH 1 can help with a payday loan auto title loan . Share your talent with the world and make some extra income while you’re at it!

Could You Open a Microbusiness?

Do you have a what it takes to open a microbusiness? make money with these ideas.

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Saving money is not an easy task in this economy. Your dollar doesn’t go as far as it did even five years ago, and sometimes we all find ourselves falling a little short at the end – or the beginning – of the month. There are, of course, lots of ways to save money, and a few cents a day can add up to a lot of dollars over a short time. Some money-saving methods are tough to stick with, while others are so surprisingly easy, we wonder why we didn’t think of these before. Let’s take a look at ways to save money in a general sense. What we mean is: ways you can put money aside or save that aren’t necessarily categorized as “home savings” or “automobile savings” or other such headings. Some of these take real discipline, but others don’t even require a second thought. We’ll start with what is probably the most important method: Budget A lot of people don’t like this word. To some, it brings with it the feeling of restriction, the inability to be spontaneous, or just the perception of being less than wealthy. After all, wealthy folks aren't creating a budget , right? Actually, in many cases, this is part of how they became wealthy in the first place. In “The Seven Habits of Highly Effective People”, a famous self-help book from a few years back, financial budgeting was one of the most common practices of individuals who made over fifty thousand dollars a year. Many successful people continue to operate under a financial budget long after they’ve attained wealth and success. This is due in part because budgeting helps discipline the mind, helps a person develop other good habits and practices. As My Money Coach explains: “Budgeting is the process of creating a plan to spend your money. Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do.” We could easily devote an entire entry to the process of budgeting, and there are a lot of online tools dedicated to helping you manage your money (most of them free of charge, just use your search engine to find one that’s right for you), but you don’t even need to be computer savvy to operate a financial budget. Get yourself a pen, a piece of paper and a calculator. There’s probably a calculator function on your phone or computer. Write down what your monthly bills and expenditures are and add them up. Then write down what you earn each month and compare the numbers. Let’s assume you make just a few dollars more than you need to spend each month. Even if that number is a small amount, a budget will help you build up savings, or give you an idea where you can cut expenses, or just plain give you that much-needed feeling of control over your livelihood. Having these things written down on a monthly basis will allow you to continually adjust your expenditures and plan for the future, even for things like a vacation or improvements to your home. After a few months of doing this, you may find that budgeting becomes a habit, and it’s a good one to have. You might even find yourself budgeting other things like your time. Parsing out blocks of your time in order to use it wisely will pay off in lots of ways. Take a Cut off the Top While you’re budgeting, try this little trick: deduct five or ten percent of your earnings before you spend money on anything else and leave it in your checking account. If you make five hundred dollars a week, ten percent will net you two hundred dollars a month. Over the course of a year, that’s well over two thousand dollars! Of course, if your budget is tight, then try just five percent, which will net you twelve hundred dollars by the end of a year’s time. Treat the deduction as just another expense and don’t dwell on it. Simply deduct the figure from your records and pretend it’s not there. This will be difficult at first, but over the course of time, will become as much a habit as anything else you do on a regular basis. We think you’ll be pleased with the end result. Tip Yourself Here’s a fairly easy one. Get yourself a jar and put it on whatever surface you keep your wallet and keys. When you get home each day, take whatever change you were given as a result of any transactions and throw it in the jar. You’ll be surprised how quickly this adds up. Many people like to keep their change in their car or wallet in order to get rid of it when they purchase things. But some studies have shown a tendency in people to actually spend more when they engage in this practice. Instead, put any change you get back throughout the course of the day in your pocket and then into that jar. Next time you go to your grocery store, check to see if they have a coin sorting machine out front with the soda and snack machines. Many stores provide this service because they are often in need of change themselves; there are some machines that take your change and give back paper money. Otherwise, you can always take that jar to your bank and they will usually sort it for you. Just a dime a day into the jar adds up to three bucks a month. Doesn’t sound like much? That’s just the result of one dime every day. Imagine what a quarter and some other change every day can add up to. As a responsible lender, CASH 1 would like to encourage you to practice responsible money management. If for some reason you find yourself short of funds someday, come talk to us about personal loans for people with bad credit in Nevada or Arizona. We’ll help you get back to budgeting.  Check out our slideshare presentation.

These Common Sense Tips Will Save You Money

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We have a strong emotional association with our pets, who are family, could you imagine how horrible it would be when you have to cut back on your pet’s health care because of limited financial resources? With current economic conditions, you want to save money and the vet is one of many places where pet owners can save money. You should realize that veterinary care should be a part of your household budget . It's an important part of pet ownership that you provide them with proper medical care, but before you flinch at the high cost of a treatment, you can do the following things to save money while doing a great job taking care of your pet. Here's How to Save Money on Vet Bills Provide healthy food and maintain an ideal weight Americans spend over 13 billion dollars on their pet meds . Pets that are obese have a high risk for many medical issues. According to the Association for Pet Obesity Prevention, in the U.S. 44% of dogs and 57% of cats are obese and are suffering from diabetes, arthritis and various forms of cancer. Treatment of these diseases will add thousands of dollars to your budget. The best solution to this problem is to ask your vet for sincere advice about your dog’s waistline. If you're overfeeding, then put the recommended amount of food in the bowl. You'll save on the cost of food and it will get your pet back to healthy, and a healthier pet will translate into fewer veterinary bills. Regular walking is also good for weight loss. Remember that poor quality food can cause messy and unpleasant conditions like vomiting and diarrhea, always consult your vet for a balanced and healthy diet. Give nutritional supplements Nutritional supplements for your pets? In addition to a healthy lifestyle, vitamins and omega 3 fatty acids improve the immune systems of dogs, which in turn will help to stop infections and keep your pet healthy. Before you could consider supplements, but don't buy them on your own before asking your vet which ones they recommend. Always go for an annual examination You might think this suggestion is an unnecessary expenditure, but believe me, prevention is the best medicine and it will save you money in the long run. When a disease or medical is recognized in the early stages, it's easy to treat and could save thousands of dollars in medical bills. Pets that are one to six years old should undergo an annual physical examination and pets older that seven should undergo an annual examination plus urine and blood tests. Pets with ongoing issues should have a medical checkup after every 6 months. Vaccination Vaccination is a beneficial preventive measure used to help reduce the risk of adverse events and save money. In 2005, the USDA approved a new vaccine for dogs called Continuum DAP which means your dog needs shots for distemper, hepatitis and parvovirus every three years. They later approved the vaccine for cats in 2006. These vaccines will remain effective for three years and you should not go for yearly vaccination. Administering heartworm preventive is less expensive than treatment required for heartworm infection. Keeping your dog’s up-to-date on vaccination and sterilized it is both effective preventive measures. Get Pet Insurance You should go for some medical plans with low premium that are cost effective. It will help you in unexpected and expensive conditions and can end up saving you thousands of dollars in vet/surgical bills. Before getting a pet health insurance plan you should confirm what it includes and excludes. There are some discounts available for multiple pets. If you're feeling that no plan is suitable for your pet’s medical needs, then you can create your own account by depositing a small amount of money in a savings account on a monthly basis. This will help you in your hour of need when your pet experiences and unexpected emergency like a snake bite . Consult students Students in college who need training and want to get experience offer some basic treatments and services at discounted rates for those who are in financial need. Basic services include vaccination, checkups and spaying. Get a second opinion If your pet needs an expensive treatment, don't go with the first quote you get. Treatment costs for the same disease may differ greatly, so always consult another vet and go for the least costly treatment. For example, an abdominal ultrasound could be quoted anywhere from $350 to $2,000. Create a plan with your vet Payment plans offered by some veterinarians allow you to pay slowly over time and will help you cover high cost of treatments. Some vets offer a plan which covers vaccination, diagnostic tests, dental cleaning and office visits and also discounts on other treatments. You can also apply for CareCredit . Contact humane society The Humane Society can help you with the process of getting funds for pet treatment . Access to pet welfare charities There are many pet welfare organizations that can help with vet bills and pay for emergency veterinary treatments. They can also fund treatment for specific diseases. Ask for a written estimate of cost You should ask for a written estimate of treatment cost, so that you can avoid any surprises. Before the procedure or treatment you should know whether your bill is of $300 or $3,000, right? Brush teeth Most of the common diseases in dogs started with poor dental hygiene, so it's a good suggestion to brush your pet’s teeth to avoid heavy bills at the vet. CASH 1 knows that pets are family and if you find yourself needing an easy personal loan , feel free to check out our payday loan requirements and see if our loans are right for you. We hope you consider these tips and if you have any other pet vet savings tips - Drop some science below.

Save Money On Vet Bills

Vet bills can be expensive; can you provide your pet with the proper medical care? You can start saving money at the vet if you consider these simple tips.

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Save Money on Vet Bills

Do you think your work is horrible? Imagine the type of work you could have done long ago. There are so many jobs now which have replaced the old and unnecessary jobs. Luckily most of these are jobs that no longer exist anymore, and have either become obsolete or have been repurposed.   Here Are Some Crazy Jobs That No Longer Exist Before 1946, it was typically a teenager’s job to set and reset the bowling pins at bowling alleys. The machines now automatically reset the bowling pins, but people did it manually long ago and for very little pay. Some people might say that this was an easy job, but it was a lot of unnecessary and dangerous manual labor.      Pinsetters        Rat Catchers    Oh yes, people use to go out in the streets and catch rats physically. It was a popular job in the 1800s, where rats were a big infestation in London sewers, factories, and homes. Rats became abundant in certain seasons, and so the rat catcher job was heavily demanded. Many children preferred doing this sort of job instead of factory work, working in coal mines and cleaning chimneys. Children were also convenient for this job since they could fit into small spaces.        Factory Lectors    A lector is somebody who reads, whether it is aloud or not. During the 1900s, companies would hire lectors to entertain tobacco factory workers by reading newspapers or books. The reason why this was done was to help stimulate the minds of the factory workers who rolled cigar after cigar and found the work monotonous. Twenty-five or so cents were the weekly wages for these workers. Maybe they should have listened to these stop living paycheck to paycheck tips .        “Necessary Women”    This job is quite like the standard, domestic cleaners you get nowadays for households. The “necessary women” would be emptying and scouring chamber pots as well as general cleaning of the royal apartments. A woman in history known as Bridget Holmes died at the age of 100 and dedicated her life to this job as a “necessary woman” in the 17th century. She was well known for her portrait that was painted of her dated in 1686 in the Royal Collection by John Riley.        Fart-Focused Jesters    A jester was historically known as a professional joker which entertained people in a medieval court. There was a most famous flatulent in the early 1800s named Joseph Pujol , who entertained French audiences with this crazy farting. His stage name was known as Le Petomane which means “fart maniac”.        Powder Monkeys    In the 1800s the navies use to hire children to work for them as “powder monkeys”, which was a job that involved filling gunpowder into ship cannons and reloading them during battle. This job ceased after child labor laws came into place since this was a hazardous job.        The Human Alarm Clock    Instead of today's automatic alarm clocks, people had their friends to work as an “alarm” in the morning. A person would pay a “knocker-upper” to go knock on their windows with a stick so that they would be on time for work, usually the factory workers during the Industrial Revolution which always worked horrible hours.        Town Crier    Town criers involved wearing elaborate clothing and broadcasting news to the public. Imagine the newspaper boy telling you the day’s news on your way to work, instead of you reading it at your own pace in any way that you prefer. In the time that this was most popular (1800’s), there was little communication or broadcasting to a large audience. The only possible way to receive news was through a town crier that shouted the news to all passersby on their daily commute. The large-scale newspaper printing you know of was only beginning to emerge near the end of the century.        Elevator Operator    Currently, we must press a button to either move up or down on an elevator. Many years ago, it was someone’s job to control the elevator at the right time when you would like to get out. The operator was faced with the mammoth task of stopping the elevator at the right level, with precision, for you to get out safely, without missing your level. Nowadays computers control the whole process, even though a Good Samaritan will press the button for you on occasion.        Newspaper Reader    This one is like the town crier but came later. A newspaper reader would read the newspaper to the workers while they are working in the factories. A newspaper reader also read books to factory workers. These are jobs that no longer exist and have been replaced by radio and television offering all that a newspaper reader could offer and more.        Barber/Surgeon    The same person that trims your hair with the finest precision, giving you a clean shave, could also be your doctor/ surgeon. Many barbers were also surgeons, which was necessary at the time of the war, where medical attention was short-staffed because of the number of casualties. This double occupation is one of those jobs that no longer exist for obvious reasons.   The possible reason why these jobs have disappeared could be because of technological advancements, change in the law and social changes. An example of this would be the Industrial Revolution in Europe which was the beginning of mass production as we know it today. Many young children worked in factories producing different products, and as there was a rise in demand for certain products. Many doctors also found that children developed arthritis and osteoporosis at a much younger age because of manual labor. This was a social issue that had to change. Mechanization took place, meaning that machines replaced humans. Therefore, the human’s job was no obsolete, as machinery completed the same task much more efficiently. Those were the jobs that no longer exist anymore, which in some cases would be interesting to see a comeback for some, to bring about some nostalgia for many people, or for history fanatics.

Jobs That No Longer Exist

Do you think your work is horrible? Imagine the type of work you would have done back in the day. Check out these crazy jobs that no longer exist.

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When you live in Las Vegas, you can never have too much money to meet your family's needs. This is why side gigs have become such a common and popular way to earn money these days. If you are looking for side hustles in Las Vegas and own a car, you can do many things to earn extra money. Most of the time, it includes significant driving. So if you love driving, you'll love your job! Here's a list of popular and legitimate ways to make money with a car. A lot will also depend on your car's condition and age as well as your personal preferences. Drive for Ride-Hailing Apps Becoming a driver is a no brainer when it comes to making money with a car. You can become a driver for any of the ride-hailing apps to make money. Drop people from one point to another and receive a fair share of the money paid through the app. It's that simple. Every company values its customers above everything. So, becoming an employee of these apps requires that your driving record is clean, you have no criminal record, meet the minimum vehicle age, and meet quality standards. A profitable ridesharing driver does not stick to a 9-5 typical job schedule and usually works during rush hours to make substantial money. If we talk about any other city, it would have been an issue for people working different jobs. But Vegas never sleeps, baby! The city is always bustling with activities. You can always find customers from the city and beyond wanting to hail a ride. Becoming a driver can make you a lot of money, especially in Vegas. If you are looking for apps, here's something that may help. Uber We all know about this one! Uber is the most popular ridesharing app in States. To apply as a driver for Uber , you must be at least 21-years or older and US-licensed with at least one year of driving experience and a relatively clean driving record. The vehicle you own must be newer than 15 years old with four doors. Lyft Lyft is the biggest competitor of Uber. The most significant advantage for you here is that in-app tipping is mandatory. The requirements for Lyft are similar to Uber. They also offer a rental car for driving from their express drive for those who do not own a car. The exciting thing about becoming a driver is that you don't need to work exclusively under a single banner. You can switch between Uber and Lyft anytime you want. You can also sign up for both the apps and choose your rides depending on your time and the cash you need. Rent Your Car If you are not a driver or don't want to drive, you can always rent your car to others. Many tourists storm Vegas every day who would like to rent a car for however long they are staying. If you are working other jobs on the weekdays, this is the best way to earn extra money. Many sites and companies will rent your car. You can approach them to rent out yours and make money with your car. If you don't need your vehicle for most of the week, why not put it to good use and earn money? Turo  Turo is a popular rental service where you can register your car for rent. It's an excellent opportunity for people who want to earn money withtheir vehicle in Vegas. Your earnings depend on the market price and how long someone wants to rent your car. You have a good chance of earning at least 60-65 % of the income, depending on your vehicle's use and availability. You also have the leeway to choose the mileage, and the car is returned to you fully fueled. Getaround Getaround will let you rent your car out to people in your vicinity. So if you don't want your vehicle to go too far, you can trust Getaround to keep it safe in the city and pay you for renting your car. You'll get paid every month, and most people will make an average of $10,000 per year . You set the hours your car will be available and is fully covered by insurance during the rental period. HyreCar You can rent your car with HyreCar . Unlike other services, there is no strict and specific requirement for the drivers to register their vehicles. You can easily register your vehicle with them. The service takes a 15 percent commission on all rentals. However, you can set your price and choose to accept or decline a rental offer. HyreCar does not take care of any insurance or gas responsibilities. This is because most of the deals take place between the owner and the client. You should note that during any complaint from the client, the renter can get fined. Food Delivery Food delivery is another way to make money with a car in Vegas. Today, with UberEats and other such food delivery apps, you can now deliver to multiple restaurants and earn benefits. You can look for opportunities in: UberEATS UberEATS is an extension of the Uber ride-hailing app. Only here the drivers, instead of picking up riders, pick up food and deliver it to the customers. It also has similar requirements for the drivers. The drivers must be at least 21 years or older and pass a driving test. Usually, UberEATS offers flexible schedules for the drivers. DoorDash DoorDash also offers pickup and food delivery services. However, it only caters to businesses that do not have time to run out and pick up food orders for the company. The flat rate per delivery is 5 dollars, and the rates may vary depending on the market. To become a DoorDash driver , the person must be 18 years and older and carry a driver's license. Grubhub  Grubhub is another popular food delivery and pickup app in Vegas . Make use of your car and become their delivery driver to earn money. You can have a flexible schedule while making $13/hour with Grubhub. Grubhub requires that the drivers have at least two years of driving experience with a valid license, registration, and insurance. The drivers must be 19 years or older and pass a background check. Also, you must have a checking account for direct deposit of paychecks. Deliver Groceries and Earn Money Who knew delivering groceries can help you earn money? Now you can make money with your car by delivering groceries to other people. Some apps and companies provide such services. You can join these organizations for an excellent side hustle in Las Vegas. Shipt Shipt is one of those on-demand grocery delivery services that provide door-to-door services. You need to be at least 18 years or older to become a Shipt driver with a trusted vehicle. Additionally, you should also have a license, insurance, and registration of your car. It would be best if you also had a cooler for cold grocery delivery and a smartphone. The drivers are required to have a general idea about the groceries, brands, and stores. A Shipt driver earns $25 per hour along with a free Shipt plus membership. Overall, it's a good deal! Instacart Instacart is another popular grocery delivery app. If you're working for Instacart , you must have your car to become a contractor of the brand. You also have the liberty to work flexible and unlimited hours. You keep 100% of the tip with a $9-$20/hour shift depending on demand and rush. Amazon Flex While drones are yet to take the stage for deliveries, Amazon Flex offers independent contractor drivers $25 per hour to deliver the Amazon packages. You'll have a flexible schedule and can choose your own time to deliver the packages. You must have a driver's license and a vehicle that has valid registration and insurance. Make Money with Your Car! Now, you have plenty of options to explore. If you rarely use your vehicle, the best thing you can do is rent it to someone else. Renting your car will make your commute comfortable whenever you need it and help you earn some extra money. Las Vegas is a busy city that is always buzzing with activity, take advantage of this, and you can soon figure out what is best for you and your car! If you find that you are short on cash today and don't have the time to get an extra job, consider a title loan in Las Vegas from CASH 1. You can get up to $50,000 using your vehicle title as collateral.

How to Make Money With Your Car in Las Vegas

Looking for side hustles in Las Vegas? Make some extra cash with your car in Nevada with these profitable jobs.

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How To Make Money With Your Car in Las Vegas

It's summer, and if you live in Phoenix you know it may be time to take a look under the hood of your car. This is important because the season’s hot weather has an impact on your car and its performance. Without further ado, we are here to present a general maintenance checklist you can use to make sure your car is in tip-top shape before the temperature peaks. Making sure that your car is correctly maintained is essential especially if you have any plans this summer. You don’t want to have your car breaking down rand needing an auto repair loan right before you hit the road this summer, ruining whatever trip you had planned. Even if you don’t have plans, having your car break down while you are driving can be a real pain to deal with the high temperatures in Phoenix , especially with the heat. Here's Your Phoenix Summer Car Maintenance Checklist: Check your Oil: Making sure your oil is topped in any season is important, but it's especially important during the summer because the heat can cause greater wear and tear on your engine. Excessive heat can actually cause the materials that make up your engine to expand slightly, if your engine isn’t properly lubricated it can cause damages that will be expensive to repair. Oil is the lifeblood of your engine; it allows your car to keep running smoothly and makes it more durable. Change Fluids: Make sure to check the fluid levels of your car, as they evaporate at a higher rate during the summer from higher temperatures and general use of your car will also deplete them. Make sure you check the fluid levels of your transmission fluid, power steering fluid, and windshield wiper fluid. This is an easy step as it should only take a couple minutes to check and refill them. Get a Sun Visor: While this isn’t technically vehicle maintenance, it is still a good idea to get one to keep in your car. There are multiple reasons why you should get a sun visor to protect your vehicle from sun damage if you don’t already have one. Another reason to get a sun visor is that it will keep your car cooler by deflecting some of the sun’s rays so that you don’t have to face unbearable heat when you first get in your car after it's been sitting in the sun all day. The battery life: The summer months are known for shortening the life of your battery. Be sure to check your battery before the heat sets in and the sun is high in the sky. Also, make sure to keep some jumper cables in your car just in case you aren’t able to start your car. Tire Rotation: The best practice for rotating your tires is to do it every 5,000 miles to prevent your tires from wearing unevenly. Rotating your tires will maximize their lifespan and keep you from having to buy new tires too often. Also remember that tire material is affected by heat, and making sure your tires are in good shape is a great way to improve its performance. If you haven't done it in a while, now is a perfect time. Tire inspection: This is something that you can do yourself unlike getting your tires rotated. First things first, check your tire pressure to make make sure your tires are properly inflated, not only does this keep your tires from wearing down more quickly, but it will also save you money on gas because your car gets better gas mileage when its tires are properly inflated. Air Filters Cleaning: The air filter in your vehicle is responsible for filtering out airborne particles. Check your air filters to see if they are clogged with dirt, clogged air filters can’t perform efficiently and will interfere with your car’s operation. It needs to be cleaned often if you are taking your car on long trips this summer. Car’s AC: What do you think of when you think of summer? Warm weather right? Then it should be a no-brainer that the most important thing to keep in good condition is your car’s AC. Without it, you’ll have to deal with uncomfortably hot car rides in the middle of the summer if it breaks down. It’s better to check your air conditioning now before it gets too hot, especially if it only needs a few minor tweaks to get it performing at its best. Emergency Kit: Make sure you keep essentials like jumper cables, duct tape, road flares, extra coolant (in case of an overheated engine), a spare tire, and a basic toolkit in your car just in case you have a breakdown on the side of the road, run over some nails and get a flat, or are unable to start your car. You won’t want to be stuck in the heat for too long, so these things are nice to have. Wash, Wax, Ceramic Coating: Keeping your car well maintained includes washing your car regularly and waxing when it requires it. Waxing is very important as it keeps your car paint from peeling and fading. Waxing also gives your car a well-polished appearance too, making your car look better. Get extra protection with a ceramic coating for your car . You can go with a professional coating or DIY. Radiator Checkup: After a harsh winter, your radiator will need a checkup. If your radiator’s core was damaged at all during the winter, it could lead to coolant leaking which in turn can result in an overheated engine. Have a mechanic check your radiator for any damages or clogs before you leave on that summer Arizona road trip . Replace Windshield Wipers: You'll want to make sure your windshield wipers are still good, if they are not functioning properly or are more than 6 months old then you need to replace them. Signs that your windshield wipers should be replaced are splitting, cracking, or skipping on your windshield. Brake Check!: Going down a mountainside without brakes can be scary, make sure that doesn't happen with a basic checkup and replace them if needed. You don't want your brakes to fail you during one of your summer road trips. Preparing Your Car for Summer Your car’s maintenance is a highly important aspect of getting ready for the summer. Now is the perfect time for you to get your car serviced, you can also check out your local workshop for new stuff to add to your vehicle. Need a new car stereo? Get one put in while you are having all of this other work done. Another great thing about getting your car serviced before summer kicks off is the many discounts. Many and car companies and auto shops in Phoenix have sales going on to try and attract more customers during this time of year. Make sure to check for deals on services that you needed to get done anyways online or by calling the shops that you usually get your work done.

Phoenix Summer Car Maintenance Checklist

Check out our summer car maintenance checklist to avoid unexpected car repairs.

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As part of our freeze food and save money series we’re sharing how to freeze and refrigerate poultry. Chicken and turkey are on sale all the time, and if you know how to freeze them, you can save some serious cash . How Long Can You Freeze Chicken? The U.S. Department of Agriculture says if your freezer is kept at a temperature of 0 °F or lower, you could technically freeze your chicken forever. You should keep in mind that over time frozen foods do lose quality, flavor and texture. If you’re going to cook chicken that’s been in the freezer that’s over nine months old, you should consider cooking it and using the meat in a casserole or soup. How Long Does Cooked Chicken or Turkey Last in the Freezer? If you want to freeze your chicken or turkey leftovers, you’ll need to store it in a heavy duty freezer bag or an airtight container. Plain cooked chicken or turkey lasts in the freezer four months. Covered in broth or gravy your poultry will last six months. How Long Is Raw Chicken or Turkey Good in the Fridge? If you thaw chicken in your freezer, it can last a few days before you need to cook it. Thawing your chicken in cold water or the microwave needs to be cooked immediately. Can You Freeze Chicken Salad? Nope. Mayonnaise and egg based salads are not meant for the freezer. Should I Wash Raw Chicken? Raw chicken should never be rinsed because splashing water will spread Campylobacter bacteria on your hands, clothing, sink and work surface. Campylobacter causes food poisoning and you wouldn’t want that. Chicken and Turkey Storage Guidelines Whole Chicken or Turkey – Uncooked Freezer: 12 Months Fridge: 1 to 2 days Chicken or Turkey Parts – Uncooked Freezer: 9 Months Fridge: 1 to 2 days Giblets Freezer: 3 to 4 Months Fridge: 1 to 2 days Ground Turkey Freezer: 3 to 4 Months Fridge: 1 to 2 days Cooked Poultry Dishes Freezer: 4 to 6 Months Fridge: 3 to 4 Days Chicken and Turkey Pieces - Plain Freezer: 4 Months Fridge: 3 to 4 Days Chicken and Turkey - Covered with Broth or Gravy Freezer: 6 Months Fridge: 3 to 4 Days Chicken Nuggets or Patties Freezer: 2 Months Fridge: 3 to 4 Days

Save Money and Freeze Poultry

Save Money and Freeze Poultry to save money.

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With more than a billion cars owned and operational throughout the world, there is no doubting that people like to drive. Some do it for fun and others do it to save time and make life a little bit more convenient. However, cars will go through wear and tear over time. They need to be maintained from time to time, to make sure they remain in working condition and safe to drive. If maintenance is ignored, the vehicle will suffer. While this isn’t always the case, car maintenance can often come with some hefty costs . The maintenance costs can vary depending on the car brand, the age, and of course, what the problem is. Thankfully, there are a couple of different things you can do to make this maintenance a little bit easier on your pocketbook. Without any further ado, the tips included in this article will be able to help you save money on car maintenance. Keep the Car in Good Shape First and foremost, you need to do your part to keep your car in good shape. When you’re driving it, you need to make sure that you are careful when going over bumps, are driving the speed limit and not destroying the tires. Another thing to keep in mind is to keep the car clean using the right products. For example, steam washing your car using a steamer from Fortador USA can keep it free from dirt, dust and grime that can eat away at the coat or paint and affect performance. It will keep the car looking great, as well. Also, don’t hesitate to take the car in for routine maintenance every now and then. By taking your car in as a precaution, you will be able to catch issues before they get a chance to be a major (and expensive) problem. The more effort you put in to making sure the car is well cared for, the less expensive your trips to the shop will be. Shop Around for the Right Mechanic Another way to save on car maintenance is to take time to find the right mechanic. Your city or town is likely full of dozens of mechanics, each who claims to be the best in town. Be sure to reach out to many options, and take a close look at their experience, prices and reputation. If you simply work with the first mechanic you find, you might be spending far more than you have to. Sure, it can be a long process to shop around until you find the right mechanic, but it will be worth it in the end. You will not only get great service and quality work done, but also at a price that you are comfortable with. Also, even if you bought a car from a specific dealership, there are normally no rules stating that all of your work needs to be completed at that dealership. Buy Parts Either Online or Used While labor is a big part of maintenance costs, so are parts. When you need something fixed or replaced at the shop, they will normally provide the part themselves, for a cost. While it can vary, an auto body shop might charge you quite a bit for the part, as they had to buy it from somewhere themselves. If you don’t want to pay these potentially inflated costs for parts, you could consider buying them online. There are many online retailers that will sell certain car parts at a discount. You could also buy them used, as long as they are still in good and working condition. While you may still need a local mechanic or body shop to fix the car, providing the parts can save you a lot of money . In conclusion, we hope the car maintenance tips in this blog post have been able to help you save some money.

Saving on Car Maintenance is Easy With These 3 Tips

There are a couple of different things you can do to make car maintenance a little bit easier on your pocketbook. These tips will help you save money on car maintenance.

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Saving on Car Maintenance Is Easy With These 3 Tips

Money issues can be a severe obstacle in any relationship. There are endless stories of families that have taken to quarreling over money matters, and we could fill several articles just with those stories alone. It's not difficult to see why many of us borrow money from friends and family. There are no credit bureaus to deal with, even when the amount of money is considerable. There's generally no interest that's owed along with the primary loan amount, and terms are usually 'pay it back when you can.' It's that last factor that tends to drive rifts between friends and family members as personal loans take a lower priority. Sometimes the borrower becomes self-conscious about taking the loan, and the lender becomes too embarrassed to bring it up after a time. Most often a rift will arise because one family member loaned money to another and terms were never laid out in advance, or someone is having trouble paying the loan back, or any number of other reasons. Issues with money are the second leading cause of divorce in the United States , and while there are no statistics kept, you can probably think of friends or family member that had problems when they borrowed money from another friend or family member. Borrowing Money from Friends or Family Is a Tough Situation Our loved ones want to help, but too often don't consider the potential for conflict that can arise when everything is just based on a handshake or even less. Trust can be put to the test, miscommunication is often mistaken as a personal slight, and sometimes these rifts can last for years, taking a long time to heal. Reasons Why You Might Not Want to Borrow Money from a Friend or Family Member:  There are no terms. Whether deliberately or just by fault, friends and family members get uncomfortable when they bring up loan terms, and those who borrow money tend to set aside the courtesy to pay back the loan. It's almost as though a rift were set into the personal relationship before the money was even loaned. If you are borrowing money from a friend or family member, consider offering up some reasonable terms yourself, including one or two deferred payments if times get tough again. You'll be surprised at how willing your loved ones will be to agree to reasonable terms.  There are still no terms.  This is a point worth repeating. Loans from friends or family members generally don't have a repayment schedule, and 20 years from now, you may have trouble looking that family member in the eye at the reunion. Was it worth it? You'll already know the answer to that.  Offer up your own terms.  Another point worth repeating. Do some research on loans and go to your friend and family member with a reasonable repayment term and a small percentage of interest . This isn't just about repaying a loan, it's about demonstrating to your friend or family member that the relationship is far more critical to you than money. Give your lender the option of turning down terms rather than being felt compelled to bring them up.  Create a contract. Draw up a contract you can both sign and put in some reasonable clauses that will let you both continue to function in your respective relationships. You might be surprised how much freedom a contract will actually give you. When both parties know what's expected of them, then there's no need for uncomfortable talks or essential discussions. Few things are worse than lending money to a friend or loved one and then seeing that new sound system installed in their car, especially when you decided you couldn't afford one yourself.  The reasons may not mean you need the money.  Thinking about starting a business? Great! We wish you all the best of success in your new endeavor. But is this a good reason to borrow from a friend or family member? What will the amount be? What is the return on investment your friend or family member can expect? Had you thought that far ahead? Of course, you believe in yourself, and it's reasonable to expect the rest of the world to believe in you and your money-making ideas. But, not everyone has had your experiences, or perhaps some have had them and not experienced the success you intend to see. Don't blame others for being skeptical, it's only natural, and you might actually need to hear an objective assessment of your idea. Don't go to a friend or family member to help you start a business, take out a business loan or use your own assets such as a car to take out a title loan if you believe so much in your own idea. Besides, if you prove yourself a success, that same family member may be willing to help out when it's time for your business to expand.  Books, yes, school no. Maybe you've been accepted to that university, and your parents don't have enough to foot your tuition. Better to take out a student loan, or a personal loan to pay tuition and let the relative or friend help pay for your books or other school supplies. Your family member or friend now has a chance to help you along with your education without the worry of repaying a large loan. Most student loans are low interest anyway, and a few percentage points aren't worth the collapse of a meaningful relationship.  It's tough to enforce a loan.  Seriously, when is your friend or family member ever going to raise your interest rate or revoke your credit? The latter option does happen, but that only serves to drive a wedge deeper into the relationship. Sometimes the borrower can miss a payment and become afraid that the lender is angry and all communication ends completely.  The larger the amount, the deeper the wedge.  That's practically a given. If you borrow 50 bucks from a cousin, you can quickly pay it back, or they can easily shrug it off. But what happens if a friend loans you the down payment on your house and then you wind up in a bad financial situation or worse, you have to declare bankruptcy . Sometimes the lender will come up with creative ways to get the borrower to pay off the loan. OK so you borrowed money from your friend down the street, and he's entirely laid back about it. 'No problem,' he says. 'You can just do a few things for me around the house, and we'll call it even!' Now you find yourself painting his house, mowing his lawn and generally taking care of things he should have done for himself and without knowing it, you've entered into a relationship of indentured servitude. The practice is actually considered inhumane and illegal in most parts of the world.  You might be borrowing money from family for the wrong reasons.  We won't go into details here, but you can probably find examples of friends and family loaning money to loved ones thinking they are helping them out when in truth, all they are doing is enabling their bad behavior. In such cases, not only has a wedge been driven into the relationship, but the borrower may dig themselves deeper into that hole they so desperately want to get out of.  There's no stress about your credit score.  OK, so you blew off that thousand-dollar loan from your friend because there are no real consequences not to pay it back. Even your credit score won't be affected. No problem, right? Sure, if you don't really care about the relationship. Is that friend really a friend if you place money above the relationship? Maybe a family member you no longer talk to won't haul you into court, but we're willing to bet an ex-friend won't have any qualms about it, and that actually will have a profound effect on your credit score.  Cash only. No exceptions.  Yes, a check can stand in for cash, and it may not have even occurred to you. We are also aware of some 'loans' coming in the form of a borrowed credit card or even opening up a line of credit in the lender's name and leaving it to the borrower to pay it off. Do not do this. Whether you are lending or borrowing the money, do not under any circumstances give or take a credit card, or open up a line of credit for someone else.  Don't borrow what you cannot afford to repay.  It almost seems like this doesn't need to be said, but sometimes people will take advantage of a family member's generosity. And it is yet another point worth repeating. Do not borrow what you cannot afford to repay. What if they actually need the money? What happens when the friend or loved one you borrowed money from runs into an unexpected financial difficulty? How awkward are things going to be between you the next time you see them, and it is clear they are struggling? What if you lose it all? What if you run into additional financial difficulty and are unable to repay the loan amount to your family or friend? Then you've lost both money and an important relationship. Is it worth it? Seriously, is it? It brings up many interesting aspects to consider if you're thinking about borrowing money from a relative or friend. Is someone being taken advantage of for their generosity? Would someone give up much-needed finances to help someone else, and is that a good thing? So many things to think about in terms of the potential of a strained relationship and how much difficulty might come to someone's life if you borrow money from them.  How loan agreements work.  If you've had experience with an unsecured loan or a secured title loan from CASH 1 before, you'll know there is some amount of paperwork to read and fill out. There is a contract to sign and terms to be discussed and agreed upon. Many people think this is for the protection of CASH 1, but the truth is, a loan agreement protects both you and CASH 1 in many ways most people don't even consider. A contract is the set of rules that both parties are compelled to abide by when they sign. These rules are set up so that there are no lingering questions or doubt about what is expected from both the borrower and the lender. Contracts are a way of releasing both parties from any aspects that might arise from circumstances unforeseen. The terms of the repayment of the loan are laid out and are not negotiable. This is good for the consumer because they will be able to pay their loan back promptly and know with full knowledge when they will be able to move on after repaying their debt. We've heard stories of family members loaning large sums of money to other family members and then not paying it back for years, and sometimes never. You can imagine the apparent strain this puts on the relationship. And this isn't always because the loan receiver is somehow irresponsible. Sometimes circumstances arise, and they're unable to pay the relative back, and then they just get into a pattern of not having any extra money available for repayment.  Consider Borrowing from CASH 1 Loans  With a loan from CASH 1, the terms are all explained in detail upfront, and there is no worry whether or not the loan will be repaid. And most importantly, no potentially strained family relationship or friendships. CASH 1 can help you out of a temporary financial difficulty and avoid the potential embarrassment of having to ask a friend or family member for a loan. Our no-credit-check financial services like personal installment loans or title loans based on the value of your vehicle can get you cash today. Call, click or stop by.

Borrowing Money from Friends and Family? Read This First

Stop borrowing money from friends and family. Money issues can be a serious obstacle in a relationship. Any relationship.

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Borrowing Money From Friends and Family? Read This First

Stop living paycheck to paycheck. This could be your day to make a difference on the way you spend your hard earned dollars. Simple changes to your daily routine could save you thousands of dollars a year. Here are our suggestions. Stop Paying ATM Fees Non-network fees add up quick. Your bank could charge anywhere from 3 to 4 bucks a transaction and the ATM service provider could charge at least $1.50 for the privilege of using their machine. Credit unions and a handful of banks do not charge ATM fees or they reimburse you for those fees other banks charge. You can also avoid fees by pressing the cash back button when you make a purchase at a store. Stop Skipping Breakfast When you don't top off your tank in the morning, you make bad decisions. Bad eating and bad money decisions. Buying a $10 doughnut with zero nutritional value is a waste of calories and a waste of cash. Eat breakfast. It's still the most important meal since the beginning of time. Stop Buying Brand-Name Choosing to purchase generic will save you money. Brand-name products rarely equal higher quality. Take a blind taste test sometime. Generic drugs can also cut spending in half and the coinsurance payment is usually lower. Stop Paying Checking Account Fees Believe it or not, you can find a bank that offers free checking - and score a little interest. We recommend Capital One 360 and with the great tagline: 'Fees Wrecking Your Checking?' it's worth checking out. Credit unions or community banks are more likely to offer you free checking. You can search for credit unions at www.asmarterchoice.org or find a community bank in your area at the Independent Community Bankers of America site. Stop Visting Coffee Shops You could save up to a $1,000 a year... Seriously, start making your own coffee at home. Stop Using Cold Remedies The common cold is a $3 billion business in America. Zinc, Vitamin C and Airborne still have not been proven as effective treatments. In fact, if you're using intranasal zinc, the FDA has been warning people not to put it up their noses because you could damage your sense of smell. The best action to take is washing your hands often to avoid getting a cold. Stop Buying Expensive Gas If your auto manufacturer says regular fuel is fine for you car, then you don't have to use the premium. A smartphone app like Gas Buddy can help locate the lowest priced gasoline in your area. Stop Heating An Empty House You will save 5% to 15% when you turn down your thermostat 10 to 15 degrees for at least eight hours in the winter. The lower the interior temperature of a house, the slower it loses heat. A furnace uses more energy to warm a house back up after the thermostat has been set back. The longer you keep your house at a lower temperature, the more energy you save. Stop Driving With Low Tires Properly inflated tires increase the life of your tire and can improve your gas mileage by 3%. Check your owner's manual to see the recommended inflation. Stop Buying Organic Seafood Organic seafood does not exist in the U.S.. Fish labeled 'organic' must meet certain criteria and it's difficult to control the conditions how they are raised. It gets even more confusing when you order foreign fish in a restaurant because the rules for labeling outside of the U.S. are convoluted and difficult to enforce. Save yourself the money on fish because it's really not clear if paying more is higher in quality. Stop Paying For TV The average cable bill is around $90 a month and the prices keep rising. Streaming services average less than $10. You can do the math and see that cancelling your cable and only paying for broadband wireless and an inexpensive streaming service will save you money. HBO and CBS are planning to offer online streaming subscriptions at competitive rates. Stop Throwing Away Food Too Early Sell-By dates and expiration dates are completely different. People often confuse the two. You could be wasting perfectly good food and people in the U.S. are estimated to be throwing millions of dollars away every year. Remember the Sell-By date is meant for the store to know how long to display food for freshness. There are no official federal expiration dates for food, except for baby food. Stop Buying Toilet Bowl Cleaner Have you seen all the DIY cleaning posts using white vinegar or baking soda? Commercial toilet bowl cleaners are stuffed with toxic chemicals, cost money and are bad for the environment. The simplest solution is to pour a cup of white vinegar in your toilet and let it sit for 10 minutes, then scrub away. Now your toilet is sanitized and deordorized. Stop Buying at the Wrong Times Time is sometimes a luxury, but if you can plan ahead for large purchases you'll save hundreds of dollars. There are certain items that are less at certain times of year. Furniture prices drop during January and July. TVs and computers are extremely cheap on Black Friday. And, if you're flying, a trick to know is that domestic flights are cheapest 54 days in advance.  Check out our slideshare presentation.

Stop Wasting Money

Simple changes to your daily routine could save you thousands of dollars a year. Here are our suggestions.

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Do You know When These Items Expire? You can save quite a bit of money when you stock up on items that you use on a regular basis. Knowing when things expire can help you make better decisions about your purchases. Buying 30 gallons of paint at cost may seem like a great deal, but if you can't use it in a couple of years - you're wasting money . Here's a list of common items with their suggested expiration dates. Some of them may surprise you. Baking Soda | Expires 30 days Sure, the expiration date says three years from the purchase date, but baking soda loses its effectiveness the minute you open it. 30 days after opening is the amount of time that Arm & Hammer thinks you should change the box, but it's not really set in stone. You can test your baking soda by dropping a few teaspoons in some vinegar. If it bubbles up like your fave champagne, then it still retains its cleaning power. Mascara | Expires 3 months Have you been using your Mascara for more than three months? Throw it out. When it gets clumpy or smells strange, it's time to replace it. You can get a few more mascara miles if you wipe off the excess on a tissue after each use. That will help prevent clumping... And don't ever share your mascara, that's gross. Alcohol | Expires 2 months to 1 year Certain types of booze last longer than others. The hard stuff like bourbon, scotch or vodka last almost indefinitely unopened because of their high alcohol content. Beer and wine will vary depending on quality. Wine We hate to break this to you... Boxed wine only lasts for one year after its pumped into its bag! The bottled variety – usually cheaper ones – should be drank a few years after being produced. Opened bottles of wine begin to lose flavor after a few days. Liquor A general rule for all liquor is usually six to eight months after its opened. So that old open bottle of brandy with three years of dust on it should be tossed. Beer Have you noticed lately that most mass-produced beers have an expiration date on them? Drinking after that date may affect the taste, but it won't hurt you. If you like the craft beers, you should probably drink them a few months after bottling. Sunscreen | Expires 1 year Your sunscreen needs sunscreen and should be stored out of the sun. The moment you open that tube the water inside will start evaporating and creates an inconsistency in the formula. The active ingredients are not distributed evenly anymore. As a general rule, pitch it after your sunning season is over. A closed tube lasts about a year. Skin Moisturizers, Cleansers and Eye Creams | Expires 6 to 12 months Buying these products in a pump rather than a jar will decrease the chances of introducing bacteria and add a few months to their shelf life. As a general rule, all of your creams in jars should be disposed of within 9 months. Facial cleansers can keep for about six months, unless these products have hydroxy acids in them which give them a longer shelf life. Facial toners will last about a year unless they contain vitamin C, which decreases the potency of nutrients. A cool tip is to store your eye creme in the fridge to give it a longer shelf life and you can enjoy the soothing temperature on those tired eyes. Cleaning Products | Expires 12 to 18 months If you check under your sink you'll probably see a ton of plastic bottles with labels that are peeling off. Cleaning products really don't have expiration dates printed on them, but their potency can decrease over time. We'll make it simple for you with this quick list to help empty that plastic graveyard under your sink. Bleach In its bottle, undiluted, bleach will start to fade after six months. If you add bleach to your water for cleaning, the 10% solution only lasts for one day. Fabric Softener The softening power of dryer sheets or liquid will last for a year. Dishwashing Soap Dish soap can last up to 18 months and automatic dishwashing detergent can be stored for three months. Laundry Detergent Some laundry detergents actually have expiration dates printed on the cap or bottle. If your detergent doesn't, you should know that liquid and powder detergent can be stored up to six months. Disinfectant Sprays and Wipes You can store your anti-germ wipes and sprays for two years. A good test for their effectiveness is to sniff and see if there is still a fragrance. White Distilled Vinegar As a cleaning product, the USDA says white distilled vinegar has an indefinite shelf life because of its acidic nature. It may shift in color or get cloudy, but it's perfectly safe to use for cleaning. Face and Eye Powder | Expires 2 years Bacteria thrives in moist and warm places. Your powdered makeup lasts longer simply because there is little water. It's time to toss them when they become flaky or packed down. House Paint | Expires 2 years It's very common to have a few cans of paint lounging around somewhere in your garage or basement. Did you know that latex or oil-based paints only have a shelf life of two years? If they've been exposed to high or low temperatures in that time, then they have gone bad. Perfume | Expires 2 to 5 years An unopened fragrance can last up to five years if it's stored in a cool, dark place. Because of the heat and steam, the worse place to store your perfume is in your bathroom. If you really want to extend the life of a scent - buy an opaque bottle with a higher content of essential oils. Trust your sense of smell and if the fragrance has altered over the years, it's time to buy some new perfume. Lipstick and Lip Gloss | Expires 2 years Lip gloss and lipstick have a shelf life of one to two years. If you notice a change in color and smell or the texture has changed; your makeup has expired. You can get more usage by storing them in your refrigerator before and after you open them. Soap | Expires 3 years Commercial liquid and bar soaps lose their effectiveness after three years. It's still safe to use, but if you prefer a good lather and a fresh scent, you'll probably want to throw it out. Shampoo/Conditioner | Expires 3 years If there is no expiration date on the bottle a good rule of thumb is usually three years for an unopened bottle. An opened bottle should last up to 18 months. Baby Car Seat | Expires 6 years Car seats are an unexpected item that need to be replaced. Because they are costly, many parents keep car seats a bit too long . Most manufacturers suggest five or six years. If in doubt, there's usually an expiration date on the label. Fire Extinguisher | Expires 5 years Most fire extinguishers are made to last anywhere from five to fifteen years. They usually have an expiration date printed on them, but if the pressure gauge isn't green, you need to have them serviced or replaced. Motor Oil | Expires 5 years Stocking up on oil when prices are low can save you money if you buy a three-year supply. The shelf life is usually five years for an unopened container. Batteries | Expires 5 years Most batteries have a very clear expiration date on their package. Store your batteries away from any heat and it's not necessary to store them in the fridge despite what your dad might say. Cold storage for your little power producers could actually harm them. Keep them in a place at room temperature with a consistent humidity is the manufacturers' recommendation for your batteries. Smoke Detectors You really don't want weak smoke detectors in your house. Newly installed detectors will last eight to ten years and the whole unit needs to be replaced after that time. Most smoke detectors have their manufacturing date, but you can write the purchase date on the inside of the battery compartment. The batteries should be replaced every year. A great idea is to pick a date you won't forget: New Year's Day, Birthday, Anniversary, Holiday... We hope you learned a few things about expiration dates - we sure did. Remember that storing these items in a dry environment with a stable temperature will keep the product shelf life consistent. If you find that some of your pricier items have expired and your next payday is a few weeks away, you can see our payday loans requirements and apply for an online installment loan if those loan options can fulfill your needs. Check out our slideshare presentation.

These Products Do Expire

Save money and learn the expiration dates of common household items.

These Products Do Expire | CASH 1 Blog - News

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Around the holiday season each year, there seems to be an undeniable pressure surrounding shopping and gift-giving. Although most of us agree that the holidays are about spending time with friends and family, it can also be a time of spending more money than we planned to. The good news is, there are many ways you can still participate in the hustle and bustle of seasonal sales by placing a focus on smarter shopping habits to avoid breaking the bank. Create a Personal Budget An easy, yet often overlooked, way to save money while shopping is to create a budget and stick to it . Before you even head out shopping, make a plan for what you need to purchase and the amount you can spend based on your income. Don’t forget to subtract necessary monthly expenses, which may include grocery shopping, co-pays, and monthly utility costs, from what you allow yourself to spend. From there, determine how much leftover money you can use for shopping, leisure activities, or social functions. Consider who you need to make purchases for and think about what you would like to get them. There is nothing worse than receiving a credit card bill for purchases you made the month prior–that you now cannot afford. Sticking to your budget will be the best thing you do for your future self, even if that means not buying every little item on your wishlist. Utilize Technology to Stay on Track Once you’ve created a budget, it’s your responsibility to keep your finances in check as life gets busy. Rather than aimlessly swiping your credit card, hoping you’re still under budget, you need to be intentional about tracking your spending. Consider downloading a mobile banking app with no extra charges or hidden fees , which will help you avoid burning through additional money you could be saving. Mobile banking is a great way to keep track of how much you’re spending if you’re traveling or just constantly on-the-go. Life is full of unexpected circumstances, and it’s very likely that you will spend a few dollars on things you didn’t originally plan to buy. With that being said, the better equipped and informed you are on the state of your personal finances, the easier it will be to make smarter shopping decisions. Avoid Impulse Spending If you’re someone who gets overwhelmed and sidetracked at the store, you’re not alone. Most retail and grocery stores stage their products in the store based on what will grab your attention and simulate you during your shopping experience. It’s easy to get distracted as you’re walking down each aisle, convincing yourself how these products can enhance your life. To combat this marketing tactic, make a shopping list ahead of time , including everything you need and bring coupons you have for those products. You should cross off each item as you put it in your cart and make notes next to any products you don’t find or want to purchase elsewhere due to overpricing or poor selection. Making a list will help you strategize, be more productive, and save money as you shop for groceries or gifts for the holidays. Avoid Spending Money You Don’t Have Debt is a huge issue that is impacting many individuals, families, and businesses. We are spending money we don’t have, telling ourselves we will eventually earn that money and pay it back. What we often forget is the longer time passes, the more interest is tacked on, only prolonging our ability to pay it off. Try to avoid using credit cards for purchases you don’t have the money for at that time and avoid any high-interest rates. If you are considering getting a loan for a gift you’ve thoroughly thought out and researched, there are other more convenient 30-day loan options that might be more financially sensible. Utilizing a short-term, alternative financing option will not acquire as much interest and will force you to plan to pay back this money within the month. Search for Deals Saving money isn’t going to happen overnight, especially if you’re not putting in the additional time and research to help you get the best deals. Reading ads to see which stores have sales throughout the week does take some extra effort but will be worth the dollars saved. Comparing prices online is a great idea, especially when deliberating a large purchase. You don’t want to spend money irrationally only to find the same item for half the price at a later date from a different store or company. Consider price matching if a particular store honors this. Many stores will give you a better price for specific products offered at a lower rate from a competitor. Again, this takes some extra effort, but pinching your pennies will allow you more freedom to spend money in other places. Just like any habit, shopping can drastically help or hurt your personal budget. Many people have found financial success by merely adjusting their patterns of spending–and taking a more organized and planned approach to shopping. Building budgeting skills and strategizing spending money does take practice; however, it will help make better decisions and provide you with the flexibility that comes from more purchasing power.

Creating A Budget for Smarter Shopping

Building budgeting skills take practice, however, creating a budget will help you make better decisions when it comes to shopping and spending money.

Creating A Budget for Smarter Shopping | CASH 1 Blog - News

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