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After spending most of the summer above $3 per gallon throughout most of the United States, gasoline prices appear to be dropping a bit. That may or may not be temporary; the price of crude oil is affected by many factors, and all of them are volatile. This much is certain, however - gasoline at a dollar a gallon is gone forever. From now on, American consumers are going to have to adjust to spending a lot more money on gasoline than they are accustomed to spending. Spending more dollars per gallon than one is used to does not mean that buying gas needs to drain your bank account. There are numerous ways to save money on gas. Some are obvious; others are less so. Each of them saves a little bit and has a cumulative affect of keeping your bank balance a bit healthier. Aside from the obvious savings obtained by buying a fuel efficient car or driving the speed limit whenever possible, here are some other tips for saving money on gas: Gasoline is denser at cooler temperatures. You might get a bit more for your money if you buy it in the morning, before the day's temperatures cause it to expand. This is particularly true if the gas at the station is stored above ground. Walk whenever possible. Sure, this one is obvious, but it saves money and is good for you, too. When traveling on a freeway, you might save a few pennies per gallon by avoiding the stations that are right at the end of the ramp. You will always pay more for convenience. Use your cruise control. Cars get their best mileage at 50-55 miles per hour, so don't exceed the speed limit and keep your speed as steady as possible. Using your cruise control can help a lot. Keep an eye on your tank when you are filling up. It's convenient to use the locking mechanism that keeps the pump going without your having to touch it, but the safety switch that shuts off the pump when your tank is full doesn't always work. When that happens, you will find yourself spilling $3 gas all over the parking lot, where it does you no good at all. Each of these steps, in its own little way, will save you a bit of gas. The cumulative effect, especially when combined with good driving habits, can save a noticeable amount every month. Buying gas is something that no one likes to do, so every little bit of money you save is money you can spend on something you do like to buy. Buying a used car from either an individual or a professional car dealer can be a bit of a scary experience. Used car buyers have the protection of auto lemon laws in all fifty states. If the car turns out to be habitually defective, buyers have recourse and can receive either a refund or a replacement vehicle. Used car buyers have no such assurances. Unless the dealer offers a written warranty, the buyer is stuck if anything goes wrong, even if it happens five minutes after the car leaves the dealer's lot. That situation will improve in California as the state has put into effect a car buyer's Bill of Rights. This new law offers a number of protections for buyers of used cars. The bill isn't perfect; like all such legislation, compromise was required. It is a step in the right direction, though, and one that would be nice to see in all fifty states. There are numerous provisions to the bill, but perhaps the most significant is the option offered to buyers to return the car to the dealer within two days if they are not satisfied with it. There need not be anything wrong with the car; buyers may return it for any reason or no reason at all. This will protect buyers against any problems that "magically" show up right after the car leaves the dealer's lot. The dealers are permitted to charge a fee for the return privilege; buyers may elect to skip it or may negotiate the price for it. The price will range up to $250 for cars priced at up to $30,000. Cars priced at higher values are exempt from the law. There is also an additional charge for returning the car, which dealers say is necessary to prepare the car for resale. While the option to return the car is not free, it is available, and many buyers will be grateful for that. Other provisions of the law require dealers to show prospective buyers price lists for the vehicle both with and without any additional options the buyer may wish to purchase. The law also restricts the amount of money that the dealer may make from financing a vehicle through a third party. California's passage of a lemon law in the early 1980's helped spur the creation of similar laws in other states. Car buyers everywhere would benefit greatly if the other states paid attention to California's used car protections. While the law isn't perfect, it does represent a step in the right direction for which all used car buyers should be grateful.

While the media and Press are always advertising for affordable and cheapest homeowners insurance, it is a difficult task in reality to get one if you don't have the elementary knowledge of homeowners insurance. The most important issue is to know from where to start. Here are some guidelines to look for the cheapest homeowners insurance. How to shop around for cheap home owners insurance? Your search for a cheap home owner insurance does not need a lot of time or numerous phone calls- you can just do it with the help of your PC. While using internet, search for homeowners insurance quote because it is free and at the same time speedy and you don't need to talk to anyone, hence it is time saving. You can use Internet 24 hours a day and 7 days a week. With online homeowners insurance quote you can get discount from your insurer because there is less administration to do for the insurer. So you can get a discount of 10%- 15%. You should collect at least three home insurance quotes to ensure that you find the right policy at the best price. You can get some discount without help of any insurance agent as some home insurance companies provide discount on the basis of your home security system. So by installing home security equipment( from the insurance company's associates) like home video camera, fire alert, burglar alarm, carbon monoxide detector and smoke detector you can get discount up to 10%. Many insurance companies offer you discount if every member of your family is non-smoker because main cause behind home fire is smoking. Age group also plays a role in getting discount. If you belong to "62 or 62+" age group then you can apply for a discount of 10%-12%, as some companies provide discount for senior citizens. New cars and trucks have become quite expensive over the years. Inflation only tells part of the story; a lot of the increase in price is due to technology. Air bags, antilock brakes, and computer systems that control everything have added to the price, too. On the plus side, cars perform better and more safely than they did a generation ago. Safer or not, cars are expensive, and buying one affordably is a problem that most consumers eventually face. The most affordable way to buy a new car or truck is to take advantage of manufacturer-offered low interest rates, which can occasionally run as low as zero percent. Those rates, while generous, aren't offered very often and are generally available only to buyers with the highest credit scores. Otherwise, consumers are generally forced to use other, more traditional, lending options, such as bank loans or dealer financing. There is one other, and often overlooked, financing option that may work well for a lot of buyers - using a home equity loan. A home equity loan is a loan that uses the portion of your house that you own as collateral. If you have a house that is valued at $150,000 and you still owe $100,000 on your mortgage, the remaining $50,000 is your equity. Lenders will issue loans to consumers using that equity as collateral, and there are some definite advantages for consumers who elect to do so: Interest rates are more favorable - Interest rates for home loans are lower than those for either unsecured loans, such as credit card loans, or car loans. The rates can be several percent lower, saving the buyer quite a bit over the life of the loan. The interest is often tax deductible - Interest on most home equity loans is deductible from Federal income tax, effectively reducing the interest rate for the borrower. Buyers who consider a home equity loan for financing should be aware that they are putting their home at risk should they fail to pay off the loan. Lenders could potentially foreclose and sell the home to recover their money. Borrowers should also be careful to make sure that the repayment schedule for the loan runs about the same length of time as the buyer expects to own the car. Don't take out a loan with a ten year repayment schedule if you only expect to have the car for four or five years. The rising price of houses during the last five years has left millions of Americans with substantial equity in their homes. If you are one of the lucky ones, you might wish to consider using a home equity loan to finance your next new car or truck.

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