Easy Ways to Save Big After College

Finally — the studying, the exams, the footnoted research papers are behind you. You’ve completed those last needed academic credits. And now you’re a college graduate. A mature. On your own. Paying rent, covering utility costs, paying off school loans, moving through the maze of insurance needs. Scared yet? Nearly all post grads are up against these financial pressures and a lot more. It IS scary, especially when you’re still on the bottom rungs at work or, worse, still trying to find a full time job. But you will find things you can do to acquire on track and stay on track and also begin planning and saving (! ) for the future. Keep calm, and browse on for the most sound advice on how recent graduates can get on the top and stay on top of their finances.

, Budget!Budget and Budget


We’ve all heard it — from employers, teachers and parents friends: “you’ve got to possess a budget! ” But no matter how much the newly graduated may resist, specially when you feel you might have almost absolutely nothing to budget, it is true. Admittedly, it is really not very much fun. But when you produce a basic spreadsheet of monthly costs, and you see in black and white that there’s more money heading out than coming in, it’s pretty clear that something must give.



So, you dine out less and eat in — actually figure out how to cook. That coat can last another season. Those new boots no longer really are a must-have but something you hope you might receive like a holiday or birthday gift. You no longer offer to pick up the tab at lunch or buy a friend a beer. You even give up the daily latte and figure out how to come up with a pot of coffee. The vacation to a exotic destination will have to wait another year. But you don’t have to despair. It’s not all the Raman noodles and an austerity program. Take pride in your newfound financial independence, and the new set of skills you’re developing as you find creative strategies to save. The very next time your friends attempt to drag you for a night on the town, invite them over for a home cooked meal instead.

Be A Conscious Commuter


One of the easiest ways to save money is commuting contentiously. If you inside the suburbs, consider carpooling by using a neighbor or nearby coworker. Take the train or bus to work to slice out fuel costs all together if you are lucky enough to live in a major city with a reliable public transportation system. That said, you don’t need to rely on public transit for the next decade. Consider investing in a used car and, even smarter, one that’s not a gas hog. One that is inexpensive to keep and that reduces your environmental footprint. An ideal example may be the Fiat 500 from www.ocfiat.com. This sweet driving, super cute compact car can be bought for under $15,000 at http://www.ocfiat.com, making it an incredibly smart and financially feasible investment.

Steps In Changing Your Tire


Most motorists may have face a flat tire at least. So becoming informed about the tools and methods on how to change a flat tire may be worth the effort and time to protect yourself from becoming stranded, or depending on an emergency vehicle once with their lives.

Much like being ready for changing a broken headlight, knowing how to modify a flat tire on some dark and stormy night is definitely a useful do-it-yourself survival skill for any car owner to possess.

Here’s how:

How to change a flat tire

Switch on your hazard lights and slowly pull off the road. Get the most level surface possible, avoiding soft areas or inclines. If you have them inside the trunk, place flares or traffic cones in front and back of the car to alert other motorists that you’re in distress.

Put car in Park and your emergency brake on, or even a put standard transmission car in gear. If possible, place a wheel chock or any heavy object (a brick or rock) in the diagonally opposing wheel to prevent the car from moving.

Remove the spare tire, tire iron and also the jack from your trunk. Remove the hub cap and use the tire iron to begin loosening the lug nuts. This will more than likely require a bit of strength! If possible, stomp down on the tire iron with the foot to discharge the lug’s grip. Just be certain you’re stomping in a counterclockwise position. Go ahead and loosen all of the lug nuts, but tend not to remove the them just yet.

Next, place the jack under a safe jacking point (consult your owner’s manual) under the frame nearby the tire that you are going to change. Jack in the car only enough so that the tire is off the floor, then get rid of the lugs using the tire iron or yourself. Set the flat tire aside, and make sure to place lugs in your pocket hence they don’t get lost.

Place the spare tire about the hub, and align the tire together with the wheel studs. Once into position, screw each of the lug nuts back on by hand, then finish tightening using the tire iron.

Using the spare tire now securely in place, slowly lower the jack and pull it away from beneath the car.

With all the car now firmly on the floor, tighten the lugs again as much as possible. Replace the hub cap, and you’re on your way.

Since some spare tires are only designed for emergencies, most manufacturers don’t recommend driving on one for more than 50 miles. As soon as possible, reach the nearest service station to acquire your flat tire patched or replaced.

Why You Should Think Twice In Getting A Cars Under 2800lbs


It’s no secret that lightweight cars are more fun. It’s a fact; a sad fact actually because car with sporty badges (R, RS, S and M AMG) are fun but could be so much better. It seems as if the formula for these halo cars is a huge motor, bulging fenders, a great deal of weight along with a healthy price tag, but you’re being fooled.

Just like the dude in a lifted pickup with train horns and Monster Energy stickers, these cars pack big displacement punches to make up for what they’ll never actually be: nimble.

In last month’s issue you’ll have read about our epic journey by two undeniably awesome cars, the Audi RS5 and BMW M3. Are also overweight, and driving the piss out of them got me wondering; where did we go wrong, though both were great?

Things are all more, heavier and larger powerful, but do the math and you’ll see little speed has become gained. Ability to weight is everything and, frankly, agility has been tossed out the window. And don’t come back at me with crap about safety standards being beefed up – if we can land a rover on Mars, making safe, lightweight cars shouldn’t be an issue.

Regardless of your love for European cars, you’re not oblivious to what’s happening outside this niche. The Scion FR-S/Subaru BRZ makes waves on the market and there were hundreds at SEMA 2012.

The car is downright awesome. You’ll stop caring about that when you realize how much unrestricted fun you’re having tossing its 2758 lb around a corner, when the rear-end steps out and you’re bouncing off the rev limiter on full opposite lock, although it’s underpowered, yes.

Oh, and back to that safety thing. The FR-S/BRZ is one of the only sports cars to be an IIHS (Insurance Institute for Highway Safety) Top Safety Pick, earning good ratings in front, side, roof and rear impacts.

Find me a current rear-wheel drive European car which will do this. You can’t. The Lotus Evora weighs 3047 lb and possesses the FR-S beat by 76hp but costs $40,000 more. Admittedly, I’m comparing kiwis to cantaloupes, but I’m trying to prove a point.

The 3 Series Coupe weighs about 3400 lb, with the 1 Series arriving only 200 lb less. To me, the 1 Series was a chance to get a jump on Scion/Subaru and although the 135i and 1M are undoubtedly exciting, they’re still bloated in both the waistline and price.

I fully understand most people use their cars for work, take the kids to the mall and possibly have some fun when possible. But for the Euro enthusiast looking for the fun the FR-S offers, you’ll need an E30 M3; a car produced 26 years ago.

Of course I’d choose an E30 M3 over the Scion but it’s sad that all Europe has for a rebuttal is this older car. It’s about the power-to-weight ratio; it’s the oldest trick in the book. Supercharge an E92 M3 whilst keeping another stock but gut it completely and you’ll be very impressed which is more pleasurable to drive.

This really is my request. I desire a European automobile that costs lower than 30 grand, is built for entertainment and won’t be difficult or stupidly costly to modify. This isn’t much to ask for, but the market is currently flooded with well-built, tech-savvy cars with huge motors, exotic exhaust notes and tank-like crash beams. It’s time to explore another direction.

The Cars Which Really Turn a Girls Head

Before you start this article may I just point out that I apologize to anybody who is offended in any way and point out that there are no guarantees that buying one of these simple cars is the only thing standing between you and the girl of your dreams?

However, unfortunately for guys, one of the things which many women find attractive in the man is money. They may not admit it, they may not really recognize the simple fact in themselves and categorically deny it but you can find scientific studies which have proven it to be true.

So, it makes sense that some women are attracted to guys who drive expensive cars. Now here’s the good part – not all women really know which cars are expensive and that happen to be not . . . well, not all men know that either to be honest. The important thing is for a car to look expensive to the driver to definitely be in with a possibility of catching the heart of the girl of his dreams.

It should also be claimed that girls have pretty unique tastes. Some may prefer sleek sports cars whereas others are more impressed by a strong truck and girls which are particularly worried about the future of the planet may be more astounded by one of the newer electric hybrid motors.

Let’s take a look at a couple of examples and don’t worry, it’s not every about Bentleys and Lamborghinis:

• Jeep Wrangler Rubicon – Jeeps have been capturing the attention and imagination of the nation at large considering that the 1970’s plus they still have oodles of appeal for the ladies. If you are an optimistic type then go for a larger version with extra passenger room. Have a look at www.ocauto.com.


• Dodge Challenger – this is one mean looking muscle car with a contemporary flair and makes a great impression on some ladies.

• Mustang GT Premium Convertible – this motor is a true American icon and will rarely fail. Require a spin in one of these babies and watch the heads turn as you drive by.

If you read the top of the page you’ll realize that it really doesn’t matter, • Mercedes Benz C350 Couple – this is certainly not one of the most expensive Mercedes cars but. The sheer proven fact that it looks expensive is all you need to know.

If you choose the model with the sport package, • Nissan 370Z Coupe – particularly. This certainly is the best of the bunch in relation to Japanese motors and is a good attention grabber.


• Audi A5 Convertible – this motor oozes German style and quality. The sexy drop top is sure to attract plenty of attention as you cruise along the highway.

• Range Rover Evoque – the Evoque is arguably the most striking of all SUV’s on the market today. Arguing? Who’s arguing? Certainly not me.

• Ford F-150 King Ranch – a subtle blend of utility, power and luxury. Okay, perhaps it’s about as subtle as being a sledge hammer but hey, it’s still a great way of attracting the interest of the opposite gender.

• Chevy Volt – this is one for the more environmentally friendly girl.


That’s an excellent cross section don’t you imagine? There should be something there to capture the imagination of most drivers and lots of different girls. Just because some of these cars look expensive it doesn’t necessary follow that they’ll leave a gaping hole within your bank balance, check out some of these and other fabulous motors at http://www.ocauto.com and remember.

Crucial Days For Teen Drivers

For many teens, the arrival of summer means the end of high school and the beginning of a whole new chapter of life. Teens use their spare time to socialize with friends, and safety often is one of the last things on their own minds.

However, summer isn’t quite as carefree as it seems. Memorial Day and Labor Day – the unofficial ending and beginning of summer – bookend what’s referred to as 100 deadliest days for teen drivers on our nation’s roadways. During this period, countless teens die in horrific and preventable car crashes. Each year, we work to decrease fatalities, and we ask parents to help.


It’s imperative parents don’t become lax with all the house rules, even though parents play a crucial role in keeping their teen drivers safe all year. Those liberties shouldn’t jeopardize safety, though it’s tempting to give teens additional privileges when they are away from school. Nothing – no trip to the beach, concert or movie night – is worth the danger.

Here are five reminders for moms and dads whose teens are navigating the deadliest time of the year behind the wheel:

Friends can be fatal. Driving or riding with other teens is one of the biggest risks facing teen drivers. Peers are distracting to new drivers. Parents must not allow their teen to carry or ride with other teens, regardless of state law. Just one teen passenger increases a teen driver’s crash risk by 48 percent.

Stay away from the roads in the evening. New drivers do not have enough experience to properly gauge the complex nighttime driving environment. And they don’t have to be out very late to be at an increased risk. Most fatal nighttime teen-related crashes happen before midnight. Before 10 p.m, parents should require their teens to become off the roads.

Seat belts save lives. Since they became mandatory in 49 states, seat belt use has significantly increased amongst the driving population. Unfortunately, teens still have the best seat belt usage rates. By using belts as well, parents should make sure their teens use seat belts on every trip and set a great example.

Silence the cell phone. Behind the wheel isn’t the place for chatting, updating statuses, texting or emailing. Cell phone use – handheld and hands-free – increases crash risk fourfold, no matter a driver’s age or level of experience. Parents should enforce a cell phone ban with their teen drivers.

Experience is critical. Parents should drive with their teens for at least a half-hour each week, even after teens receive unrestricted licenses. Supervised driving is one of the only ways teen drivers obtain the behind-the-wheel experience they need. Parents can sign up to receive weekly driving tips and lessons at driveithome.org.

Parents should establish household driving rules with their teens. To ensure accountability and complianceparents, accountability and teens can sign a parent/teen agreement the effects for violating set rules.