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Entry bubble Read the Fine Print

By: Nicole | August 29, 2008 | Category: General

Mouse DetectiveHave you ever wondered about the full page of microscopic text that flashes for .02 seconds at the end of a car commercial? Well, the folks behind MousePrint.org certainly have. In fact, they have taken the time to review lots of ads to see what information is hidden in the fine print, and they’re willing to share their discoveries.

The website doesn’t just cover car ads either. Their retail section can keep you up-to-date on which companies are downsizing their products to hide rising costs, and their sweepstakes section can give you the skinny on unlikely giveaways.

If you have a complaint about a misleading advertisement, you should contact the company first. If that doesn’t work, there are steps you can take to resolve the issue.

And while we’re on the topic, I have some fine print to share about myself. I’ve accepted a new position at the Federal Trade Commission. Don’t worry. I will still be hard at work empowering consumers, and I will be leaving you in very capable hands. Our new Friday blogger, Ginger, is sure to keep you on your toes.*


*Nicole cannot be held accountable for Ginger's ability to keep you on your toes. All previous claims from Nicole expire as of August 29, 2008. Sorry, no refunds.

| View Comments [4] | envelope E-mail This Entry | Tags: ads   advertisements   cars   claims   complaints   consumer   nicole   retail   shopping   sweepstakes  

 

Entry bubble How Are You Saving Money These Days?

By: Nancy | July 31, 2008 | Category: Money

Has your credit card been seeing less daylight lately? According to a new study on how Americans are handling their money in the current economic downturn, 37 percent of people surveyed said they're cutting down on how often they use their credit cards. They're either going to a cash or debit card basis or are just plain spending less.blog wallet The same survey says that 57 percent of respondents are being more careful about dining out and 46 percent are shopping more at discount superstores.

Some people I know are even going back to the old fashioned, pre-credit card era practice of envelope budgeting. It's low-tech wonderful. After working out their weekly and monthly budgets to find out exactly what their expenses are (and finding "leaks" in their budget—expenses that they weren't really aware were adding up) they take out cash and divvy it up into envelopes for each expense—insurance, rent or mortgage, food, utilities, etc. And when that money's gone at the end of the month, it's gone. No borrowing from another envelope and going into debt.

There are so many other ways you can save by auditing your lifestyle:

  • What are your phone habits? Are there cheaper plans that meet your calling needs better?
  • When you go grocery shopping, are you making a list before you go, sticking to it and shopping on a full stomach or do all the displays and smells get you to fill your cart with things you hadn't planned to buy?
  • Once you've paid off your car, are you setting aside some money every month to help pay for your next vehicle so your car loan will be smaller? If you're shopping for a car right now, are you armed with the info you need to get the best deal?

I could write a 10,000 word blog entry on all the ways to save. But my bosses nudge me nicely when I go over Gov Gab's 300ish word limit. And I'm over it now. We don't have any limits on blog comments though. So please help me out and share what you're doing differently these days to save more and spend less.

| Post a Comment | View Comments [10] | envelope E-mail This Entry | Tags: cars   credit   nancy   phone   saving   shopping  

 

Entry bubble Hit the Road, Not the Wildlife

By: Stephanie | April 28, 2008 | Category: Travel

Passing a dead armadillo on a road in Orlando last week, I began to wonder about roadkill. ants crossing signI mean, should I have reported the stiff little critter? Is there anything being done to prevent such accidents?

I learned later from USA.gov's FAQs that I could have contacted the police or the local, county, or state road commission to report the roadkill. And if an endangered species is injured or killed in traffic (not an issue in this situation), I should call the state fish and wildlife agency or the nearest FWS Ecological Service field office.

To avoid hitting the animal that we so often see dead on the side of the road—deer—the U.S. Forest Service suggests keeping a close watch for them at dawn and dusk; flashing your lights or honking your horn to frighten deer that are near the road; and looking for other deer after one has crossed the road. If you hit a deer, don't get near it, remove your vehicle from the roadway if you can, and call the police.

Some agencies are using innovative ways to make thoroughfares more wildlife friendly. The Federal Highway Admininstration's website, "Critter Crossings: Linking Habitats and Reducing Roadkill," presents strategies that range from goat bridges to salamander tunnels to help keep animals from being hit by vehicles.

And "Keeping It Simple: Easy Ways to Help Wildlife Along Roads" allows you to search for wildlife friendly road projects in your state. Iowa, for example, has put up a fence along a highway that protects threatened turtles, and Alabama has created a boardwalk to help keep the endangered Perdido Beach Mouse from being stepped on.

Even NASA has to deal with roadkill of a sort: apparently the Space Shuttle hits a few birds on its way up. The agency is looking at an avian radar detection system to solve the problem.

But in spite of an agency's best efforts, roadkill is inevitable sometimes. The results can still be dealt with in an environmentally friendly way, though. So talk about "going green": the Montana Department of Transportation offers a manual on composting roadkill such as deer, elk, bison, and moose. One of their better composting tips: "The more remote the site, the better."

| View Comments [2] | envelope E-mail This Entry | Tags: accidents   animals   cars   endangered   roadkill   stephanie   threatened   vehicles   wildlife  

 

Entry bubble Buying A New Hot Rod

By: Sam | January 16, 2008 | Category: Home and Family

So long Charlie, hello, Big Al. That’s right, I finally took the plunge and parted ways with my old car, Charlie. And even though parting is such sweet sorrow, I couldn’t be happier with my new ride.

Before I could buy Al, I had to first figure out what to do with Charlie. I weighed the pros and cons of trading in vs. selling, which included looking up Charlie’s value (priceless, of course) in the Kelley Blue Book. And after reading Nancy’s post, I also considered purple cargoing the donation route. For me, selling Charlie was the best option, because it added some extra money to my down payment.

Since I had been shopping around for a couple of months, I had a pretty good idea of what make and model I wanted. And after a quick assessment of how energy efficient this new car would be, my next step was to figure out if I could really afford it. To do so, I used Consumer Reports’ online calculator, which enabled me to play with different figures, including my loan term and interest rate.

Speaking of, a key step to my car buying process was researching my financing options and finding the best loan. After comparing rates and terms from multiple finance sources like my bank, credit union, and potential car dealers, I decided to go with a loan from my credit union. I did a quick check of my credit report through annualcreditreport.com, just to make sure all my info was correct, and then applied for the loan online. It really was easy as pie!

With my financing in place, I was now ready for the fun part: wheelin’ and dealin’. Armed with advice from the pub “How to Get a Great Deal on a New Car” and my Dealer Visit worksheet I was ready for business. I checked a couple of car buying sites to see what the going sale price was in my area and then I stared negotiating for the price I wanted and could afford. And before I knew it, I was cruisin’ around town in Big Al.

All in all, the entire process wasn’t as bad as I imagined. Feel free to add any tips or stories you have for our readers who’re thinking about buying a car as well.

| View Comments [3] | envelope E-mail This Entry | Tags: car   cars   credit   financing   loan   vehicle  

 

Entry bubble Smile! It's the DMV

By: Nancy | November 08, 2007 | Category: General

Every five years, around birthday time, my state's division of motor vehicles likes to connect with me—show me a little love in the form of a renewed driver's license. When I turn an age than ends with a "zero," like I did recently (40—ouch!) they want me to stop by, get my vision checked and smile for the camera. When I turn an age that ends with a "five," I can reuse my current picture and renew my license online. I like the "five" birthdays. The "zeroes," not so much.

But it was ok this year. For starters, I think the guy who took my picture must moonlight at the mall down the street from the DMV at one of those glamour photo places. My picture looked less "mug shot" and more "America's Next Top Model."model with photo shoot team

Really. Ok maybe I'm exaggerating a little. A lot. I am exaggerating a lot but I passed my license around the office and everybody said "Wow, you DO look better on your driver's license than you do in real life." Um, thanks.

It wasn't just the great picture that surprised me at the DMV, though. The amount of time I was there was a shocker too. I waited about 90 seconds before my name was called to begin the renewal process. My total time at the DMV, from entrance to exit and all paid up, vision-tested and photographed was a mere 11 minutes. On a Friday. At the end of the month. Incredible.

Turns out, it's a new era for state motor vehicle offices as they shift more and more of their services to the Internet. USA.gov has a page with links to motor vehicle offices in all 50 states, Puerto Rico and the District of Columbia. A majority of states let residents renew their licenses and/or vehicle registrations online. Many have even more online services that'll save you a trip to the motor vehicles office. Here's a quick sample of what I found:

Take a peek at your own state and find out what you can do online that'll save you the trouble of standing in line at your local DMV office.

| Post a Comment | View Comments [3] | envelope E-mail This Entry | Tags: cars   dmv   license   nancy  

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