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SunnyNovember 17, 2018
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1min70

नई दिल्ली: ठंड ने दस्तक दे दी है। जैसे-जैसे सर्दी बढ़ रही है वैसे वैसे हर इंसान को गर्मी की जरूरत महसूस हो रही है। घर हो या कार हर जगह लोग कुछ दिनों में हीटर का इस्तेमाल आम बात होती है। लेकिन कई बार सर्दी भगाने के लिए हीटर का इस्तेमाल आपकी जेब पर भारी पड़ता है। दरअसल हीटर चलाने पर कार का माइलेज कम हो जाता है। जिसके बाद कार पर होने वाला खर्च बढ़ जाता है। हीटर के इस्तेमाल से हम सर्दी से तो बच जाते हैं लेकिन कार के घटते माइलेज पर से हमारा जोर खत्म हो जाता है। चलिए आपको बताते हैं कैसे आप अपनी और अपनी कार की सर्दियों के मौसम में हीटर से देखभाल करें।

कार को स्टार्ट करते ही हीटर चलाने की गलती कभी न करें ऐसा करने से फ्यूल की बर्बादी लाजमी है क्योंकि उस समय गाड़ी का इंजन ठंडा होता है। बता दें, जब भी आप गाड़ी को स्टार्ट करते हैं तो इंजन को गर्म करने में ज्यादा मात्रा में फ्यूल खर्च होता है और ऐसे में हीटर भी आॅन कर देने से कार का फ्यूल दोगुना खर्च होता है।

इसके साथ ही सबसे आम बात है कार के हीटर को आॅन करने के साथ एसी का बटन भी आॅन हो जाना। ऐसे में जरूरी है कि आप कार के हीटर को आॅन करते समय एसी का बटन बंद करना ना भूलें। इन छोटी-छोटी बातों का ध्यान रखकर आप कार के माइलेज के साथ समझौता करने से बच सकते हैं।

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SunnyNovember 16, 2018
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8min90

For many Americans—black or white—car insurance is typically a big expense in any budget. A recent survey released by Consumer Reports revealed that only one in four car insurance policyholders searched for a better deal in the previous year. The survey also showed that service outweighed cost when policyholders were asked to offer views on what they looked for the most from their insurer.

Insure.com, an independent consumer insurance website, recently ranked the best auto insurance companies across the country, with USAA, American Family, and Allstate respectively seizing the top three spots. The website’s findings were based on a survey of 3,160 current customers.

In assessing their car insurance company, a preponderance of consumers talked about how the business treated them and how reactive the insurer was in answering questions on coverage or claims. Consumers also commented on various aspects of coverage, including discounts, apps or roadside service. Price was cited, but it wasn’t the main factor for why drivers favored or did not favor their insurer.

Insure.com also reported insurers with the most market share nationally were ranked based on ratings from the policyholders evaluated in multiple categories. Those categories included the value for the price, customer service, claims satisfaction, usefulness, and how easy it is to use the insurer’s website and mobile apps. Another bracket was if consumers would recommend the insurer to a friend. The website does a yearly analysis to compile the ranking, which includes details on how companies ranked overall and other information.

Additionally, motorists should do their homework before choosing an auto insurance company. There are several options beyond the price that drivers should consider than just finding the best bargain.

How To Choose The Best Car Insurance

Here are a few other tips to keep in mind when shopping around for car insurance, based on a report published by Black Enterprise in 2015.

  • Before you begin comparison shopping, find out your state’s minimum insurance requirements and make sure you’re covered for an amount equal to the total value of your assets.
  • Keep premiums low by choosing collision coverage with a high deductible and plan to pay routine repair costs out-of-pocket.
  • Be sure to comparison shop. Visit insurancepanda and Insurance.com to complete an application form for comparison quotes from several insurance companies.
  • There are three kinds of insurers: Direct sellers such as GEICO and Progressive that sell coverage directly to you, large national brands such as Allstate and State Farm, and independent insurance agents that offer various insurance options from many different companies. Direct sellers favor drivers with impeccable driving records so you may have trouble qualifying for coverage if you have a history of accidents or moving violations. National brands are helpful for drivers with spotty records and their rates are usually competitive. Independent agents have great inroads to help get you better coverage at better rates than what you’d find on your own.
  • Ask about all available discounts. There is almost always a way to save money. You may get a discount if your car has antilock brakes, if you don’t drive your car often, or if you take a defensive driving class. Request a list of all possible discounts to see if you qualify.
  • Skip towing insurance. It’s better to take that extra money and join an auto club such as AAA instead. In addition to towing, you’ll have roadside assistance when you need it.
  • Bundle if you can. More insurance companies are offering substantial savings—up to 20%—when you protect all your property with one insurer. Multiple-policy discounts can apply to combinations of home, auto, life, and even motorcycle insurance.

Join the Conversation

Jeffrey McKinney is a long-time freelance business writer and reporter, contributing to Black Enterprise magazine for several years on broad range of business and financial topics. He also writes regularly for Franchise Times, a highly regarded publication covering the franchise industry.


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SunnyNovember 16, 2018
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8min90

Pete: 

You need to reveal a hidden expense that can easily be stopped. That expense is eating out. All over America, at every income level, people who shouldn’t eat out are. Cooking at home every day, three times per day, is a lost art. Bring bagged lunches to work and school. No more swinging by restaurants to pick up carry-out on the way home.

Dan, Florida

I passed my driver’s test in December of 1993. Sixteen, excited, and ready for the freedom that came with a little piece of plastic adorned with a grainy photo of a freckled face, I drove to my best friend’s house, picked him up, and we went to our favorite fast-food restaurant. We had food at home, we had time. But when moved by the spirit of freedom and choice, we chose to commemorate a monumental moment by spending $18 on double-bacon cheeseburgers, cheese fries and chocolate shakes.

This is the complexity of choosing to dine out over cooking at home. 

Don’t get me wrong, I agree with you, Dan. Choosing to spend money on something you don’t need is fundamentally a poor decision. But for better or worse, the fast-paced nature of life today makes home-prepped meals more unrealistic than you’d like. And for some, dining behavior can be influenced by the availability of fresh food in the area in which they live.

People dine out for several reasons, but I find all of them fall into two main categories: entertainment and convenience. 

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I am tickled when a chef can make simple ingredients taste like magic. How can a piece of fish taste fine when I make it, but transform into an ethereal experience when prepared by a master? Whatever the answer, I’m willing to pay for that moment. I’m also willing to pay to watch a group of relative strangers place a sombrero on my kid’s head, and sing Feliz Cumpleaños off key. In fact, I place moments like these in my entertainment budget, and you should too.

But convenience is an entirely different story, one that tempts us all with the slipperiest of slopes. 

Convenience is when a person chooses to exchange money for time. On the way home from your kid’s soccer, gymnastics or falconry lessons, you decided you weren’t willing to spend time preparing a meal when you got home. And you certainly didn’t spend time preparing one before you left. Instead, you paid money to save time.

But food convenience has gone too far. From purchasing pre-made peanut butter and jelly sandwiches with the crust cut off to pre-peeled garlic, you have to wonder how much time we’re really saving. I mean, spend 90 seconds peeling the stinking garlic yourself, and save yourself a couple of bucks.

I chose to answer this particular question this week as a catharsis. I fancy myself a learned financial mind. So why do I consistently have food delivered to my house, at a fee, when I could drive the two miles and five minutes to secure it myself? In this area of my life, I’m lazy. I’m not proud of it, but I’m willing to admit to it.

If, upon inspection, a person feels as though they’re not accomplishing their financial goals because of the amount of money they spend on food, then obviously further scrutiny is needed. However, it’s been my experience that most folks simply don’t have hard and fast financial goals, therefore overspending on food can’t be blamed for a lack of success, because success is undefined. If I were to tie my desire to keep my kids from having student loans to the pizza I pick up on the way home from soccer, we’d likely just have a can of soup when we got home. 

But I … I just can’t. Does that make me a hypocrite? I don’t know. Although I can say with certainty that my well-established financial goals aren’t impacted by my dining habits, that doesn’t mean I should feel justified in objectively lazy acts. 

My assertion is most people who spend too much on dining out do so because of their relationship with convenience. Spending money to save time, isn’t always a good idea. I’m personally reflecting on this idea as I write it. Thousands of articles have been written about meal prep, meal planning and cheap eating. And it would behoove Americans to adopt healthier practices in these areas. But none of it matters if definitive financial goals aren’t in place to counterbalance our urge to live a convenient life. 

Dan, your suggestion is correct, to the point and indisputable. But when you wrote “easily … stopped”, well, easy is in the eye of the beholder. That’s the frustrating part about human behavior: We often act in ways that don’t make a lot of sense. 

Peter Dunn is an author, speaker and radio host, and he has a free podcast: Million Dollar Plan. Have a question about money for Pete the Planner? Email him at AskPete@petetheplanner.com

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SunnyNovember 16, 2018
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6min90

The standard prescription cost in England is currently £8.80 per item. If you have a long term condition and rely on regular medication to manage the condition, the costs can start to add up.

Our resident pharmacist Rita Ghelani gives the inside scoop on money saving tips, so you can focus on getting the best from your health:

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1.Buy a prescription season ticket

If you plan ahead you can cut the cost of repeat prescriptions by buying a prescription prepayment certificate (PPC). This is a bit like having a medication season ticket. You can pay £29.10 for three months or £104 for 12 months to cover all the prescriptions charges you would otherwise have to pay.

This means that you can save more than £105 over 12 months if you have two medicine each month. You can purchase a prescription prepayment certificate either online or by phone – contact the NHS PPC services.



2. Opt for own-branded medicines

Buying own-branded medicines from a pharmacist can help you save money, as these are usually cheaper than the branded version. To compare medicines, look for the active ingredient listed on the packaging and the dose.

3. Shop around

The price of own branded medicines can vary quite a bit, so it’s worth doing some research to get the best deals. It is also worth shopping around if you have a private prescription, as the cost of these can also vary depending on the pharmacy retailer – either in the high street or online.


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4. Consider over-the-counter

If you’re prescribed a common medication such as a painkiller, a cream for eczema, or antihistamines that is not a prescription only medicine, it may be cheaper to buy them from the pharmacy rather than get them supplied on a prescription.

There is no hard and fast rule on this, as it may be cheaper to get your medication on prescription if your doctor has given you a large quantity to last for several months. For example, if your doctor has kindly given you three months’ supply of antihistamines for the summer months, it would be cheaper for you to use this prescription rather than buy three months’ supply of antihistamine from the pharmacy. Ask your pharmacist to help you decide.



5. Avoid targeted painkillers

Targeted medicines such as those labelled specifically for headaches and back pain are just there to make you buy a certain brand, but many contain the same active ingredients as generic medicines, and will do the same thing.

The price is usually higher on the branded or targeted ones, so take a look at the list of ingredients and opt for the generic versions to save money.

6. Are you entitled to free prescriptions?

The current cost of a prescription is £8.80 for each medicine you have on your prescription. The cost of this can soon add up if you take medication regularly.

If you think you might be entitled to free prescriptions or if you’re unsure then you can check this by using an NHS online tool – check before you tick, which will tell you if you are entitled to free prescriptions.



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SunnyNovember 15, 2018
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3min90

CASPER, Wyo. The biggest problem business owners see is many people start preparing for Thanksgiving at the last minute.

They say starting to shop early is one way to save both money and time.

With Thanksgiving just a week away, many of us are making our final preparations.

Between cooking and picking decorations, preparing can be time consuming and costly.

Many stores already have Thanksgiving items on sale.

One item that catches us off guard is the turkey.

Different sizes cost different amounts, so it is important to choose the right one for your family.

It’s also important to know where you pick your food up.

Local stores are good to try out and often present better deals.

Owners say it also helps them get to know customers personally and ease holiday stress.

“They support us. They make us- us. Do you know what I’m saying? So there’s just a special connection there. I look forward to seeing our customers.” Said Brittanie Brattis of Brattis Meat Market.

Buying in bulk can also help save a few dollars and keep your wallet as well as well as your stomach full this Thanksgiving.

a 2017 study by the American Farm Bureau Federation, the average cost of Thanksgiving dinner is around 50 dollars, but that can change depending on how many people are being fed and how much food you buy.

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SunnyNovember 15, 2018
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1min80

In 2008, I lost my job under some of the worst circumstances. Not only was the US in the middle of an economic recession, but I was also three months pregnant with my first child. What I was lacking in income I was forced to make up for in creativity.

By making a few changes to my spending habits and saying goodbye to a few unnecessary expenses, I was able to pay my bills and even put aside a few dollars for a rainy day.

Here are some easy ways to save money even when finances are tight.

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SunnyNovember 14, 2018

12min100

Get this: Americans spend, on average, 34 percent more money on Fridays and Saturdays than they do on Mondays and Tuesdays, according to a Gallup report that tracked the spending habits of 1,000 adults over 11 months.

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When you think about it, it makes sense. Many activities and household errands we tackle on the weekends are costly. (When else are you going to take the kids apple picking, restock the pantry, or see a movie with your hubby?) It is possible, though, to slash your spending without giving up the things you and your family enjoy. It just takes a bit of planning.

The tips below are easy to integrate into your routine and will help you save some cash this weekend and beyond. Pick a few that seem doable, and keep some extra money comfortably tucked away into your bank account.


Take the plastic out of your wallet.

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Getty Images/Image Source

“When you pay with a debit or credit card, you don’t ‘feel’ it,” says Liz Revenko, a San Francisco-based certified financial planner. “Paying with cash helps you see what you’re actually spending, and you can’t spend what you don’t have with you.”


Plan your route.

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Ford

Think strategically about your itinerary, so you’re not wasting gas (and subsequently, money) by logging extra miles. To save even more, invest in a large family car with fold-flat seat backs like the Ford EcoSport. This way, you can fit grocery bags, donations for the school festival, and the kids, too, and cut down on the number of trips needed to finish all your errands.

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Look for freebies.

Children and man grilling at Lake Starnberg, Bavaria, Germany

Getty ImagesJan Greune / LOOK-foto

Family fun time doesn’t have to be pricey, says Revenko. Search for free concerts or movies in the park; borrow classic movies from the library; ride your bikes or go hiking; or have a picnic or a backyard bonfire. Or, you know how you’re always saying to your friends, “We should all get together?” Invite everyone to bring a dish to an impromptu potluck.


Keep your eye on the prize.

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JGI/Jamie Grill

Get your kids on board with cutting costs by talking to them about what matters to you as a family. Are you trying to save for college or a vacation? A new TV? A prom dress? “Whatever it is, get the kids involved in the idea that every penny you don’t spend today can go toward saving for what’s important to you as a family tomorrow,” Revenko says.


Pack snacks.

Keep some “emergency” food in your car or purse, such as individual packages of nuts, popcorn, granola bars, or no-sugar-added dried fruit. Being armed with filling, healthy food at all times will keep the kids—and yourself—from getting “hangry” while you’re out, and makes it easier to say “no” to fast food or snacks from the gas station, two sneaky money drains, Revenko notes.

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Compare fuel prices.

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Getty ImagesSol de Zuasnabar Brebbia

Instead of picking up gas wherever you happen to drive by a station, be strategic—it’s so easy these days. Download an app like GasBuddy, which can help you find the best rates for fuel in your area, or consider getting a car that will do the heavy lifting for you.

For example, the Ford EcoSport can compare fuel prices in your area, so you can locate the best rates near you without having to fumble around with your cell with cranky kids whining in the back.


Fill up.

 

Ford

Your tires, that is. According to the National Highway Traffic Safety Administration, properly inflated tires can save you as much as 11 cents per gallon on fuel and extend the average life of a tire by 4,700 miles. Not sure how to check your tire pressure? Don’t sweat it. Some cars, like the Ford EcoSport, have features that monitor your tire pressure, so you’ll know when its time to add air. If you rather check your tires the old-school way with a handheld pressure gauge, our friends at Car and Driver have a handy guide that can help.

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Map out your family’s meals.

Mother and young daughter preparing healthy salad lunch together

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Taking time to meal plan and grocery shop over the weekend will save you money—not just the following weekend, but during the week, too. Plenty of restaurant favorites like spaghetti and meatballs, chicken Caesar salad, and chicken parm can easily be made in your kitchen for a fraction of the price. Plus, when you eat at home, there’s no need to factor in tax and tip.

Another win: Homemade food is usually lower in calories and contains less sodium, so making the time to meal plan may also help keep your family healthy, too. (Need some culinary inspiration? Try some of these healthy meal prep ideas that will save you during busy weeks.)


Start a “fun fund.”

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Antonio_Diaz

All chores and no play week after week will make you very, very crabby. “Establish limits, but create a dedicated amount you can afford to spend for fun,” says Revenko. Set up the auto-save feature on your bank account so when you do want to eat out with the kids or go to a movie on the spur of the moment, it won’t blow your budget.

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SunnyNovember 11, 2018
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1min130

देश का पैसा अमेरिका जाने से रोकने के लिए केंद्र सरकार की ओर से प्रभावी कदम उठाया गया है। अब केंद्र सरकार की तरफ से मेक इन इंडिया अभियान के तहत अमेरिका के एडवांस ट्रामा लाइफ सपोर्ट प्रोग्राम (एटीएलएस) सेंटर की जगह नेशनल इमरजेंसी लाइफ सपोर्ट (एनईएलएस) स्किल सेंटर खोले जाएंगे। ताकि कोर्स की एवज में दिए जाने वाला पैसा अमेरिका न जाकर देशवासियों को स्वास्थ्य सेवाएं मुहैया कराने में लगाया जा सके। केंद्र सरकार के स्वास्थ्य एवं परिवार कल्याण मंत्रालय की ओर से पीजीआई के ट्रामा सेंटर में भी एनईएलएस स्किल सेंटर खोला जाएगा। 2 करोड़ 60 लाख के बजट को मंजूरी मिल गई है।

ऐसे समझें इस ट्रेनिंग को…

जल्द लागू होगा नियम, ट्रेनिंग के बगैर डॉक्टर शुरू नहीं कर सकेंगे प्रैक्टिस

अभी तक अमेरिका के एटीएसएस कोर्स के तहत सरकारी और निजी डॉक्टरों को ट्रामा में आने वाले गंभीर रूप से घायल मरीजों का इलाज करने के लिए विशेष ट्रेनिंग दी जाती थी। इस ट्रेनिंग का मतलब है कि घायल होने के एक घंटे यानी गोल्डन ऑवर में मरीज की जान बचाई जा सके। एटीएलएस प्रोग्राम के तहत प्राथमिक उपचार (एबीसीडी) यानी घायल के ट्रामा में आने के बाद एयरवेज, ब्रीदिंग, सर्कुलेशन और डिसेबिलिटी को मैनेज करने की ट्रेनिंग दी जाती है। ताकि घायल को सांस लेने में तकलीफ न हो, खून का बहाव रुके सके। यूएसए-यूके में डॉक्टरों के लिए एटीएलएस की ट्रेनिंग करना आवश्यक है।

ट्रेनिंग भारतीय देते थे, फिर भी विदेश जाता था पैसा

एटीएलएस की ट्रेनिंग को भारतीय डॉक्टर देते थे, लेकिन अमेरिका का प्रोग्राम होने के कारण उन्हें ट्रेनिंग लेने वाले प्रत्येक डॉक्टर के हिसाब से 15 से 20 हजार रुपए का भुगतान करना पड़ता था। हर वर्ष हजारों डॉक्टर ट्रेनिंग लेते थे। इसी पैसे को विदेश जाने से बचाने के लिए केंद्र सरकार ने एटीएलएस की जगह खुद का एनईएलएस प्रोग्राम तैयार किया है।

पीजीआई के अलावा सरकारी अस्पतालों में भी शुरू होगा कोर्स

केंद्र सरकार की ओर से देश की हेल्थ यूनिवर्सिटी, मेडिकल कॉलेज के अलावा अन्य सरकारी अस्पतालों में भी एनईएलएस सेंटर खोलकर कोर्स को शुरू किया जाएगा। इसमें सरकारी अस्पताल, मेडिकल कॉलेज, सीएचसी, पीएचसी के इमरजेंसी विभाग में काम करने वाले डॉक्टर, नर्स और पैरा मेडिकल स्टाफ को विशेष ट्रेनिंग दी जाएगी।प्राथमिक तौर पर देशभर में 86 नेशनल इमरजेंसी लाइफ सपोर्ट स्किल सेंटर खोले जाएंगे।

स्किल सेंटर में डॉक्टरों को कराए जाएंगे यह कोर्स

इस स्किल सेंटर में डॉक्टर के लिए नेशनल इमरजेंसी लाइफ सपोर्ट कोर्स फोर डाक्टर, नेशनल इमरजेंसी लाइफ सपोर्ट कोर्स फोर नर्स, प्री-हॉस्पिटल इमरजेंसी लाइफ सपोर्ट कोर्स फोर पैरा मेडिकल के बारे में पढ़ाया जाएगा। इसके तहत डमी मरीज पर घायल का मेकअप कर ट्रेनिंग दी जाएगी।

5 दिन की होगी ट्रेनिंग

सरकारी अस्पताल, मेडिकल कॉलेज, सीएचसी, पीएचसी के इमरजेंसी में लगे डॉक्टर, नर्स व पैरा मेडिकल स्टाफ को ट्रेनिंग प्रोवाइडर द्वारा पांच दिन की ट्रेनिंग दी जाएगी। स्किल सेंटर में इमरजेंसी मेडिकल सर्विस सुधारने के साथ स्टाफ को एम्बुलेंस इमरजेंसी की ट्रेनिंग दी जाएगी।

पैसा बाहर जाने से बचेगा

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SunnyNovember 10, 2018
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1min110

Publish Date:Sat, 10 Nov 2018 05:08 PM (IST)

जासं, मझौवां (बलिया) : केहरपुर व सुघर छपरा में कटानरोधी कार्य के लिए उत्तर प्रदेश सरकार ने 38 करोड़ 59 लाख 19 हजार रुपये स्वीकृत किया है। जिसमें 24 करोड़ 94 लाख 83 हजार रुपये केहरपुर गांव के सुरक्षा के लिए रिवेटमेंट निर्माण तथा 13 करोड़ 63 लाख 36 हजार रुपये सुघर छपरा में रिवेटमेंट निर्माण के लिए स्वीकृत किया गया है। सुघर छपरा की परियोजना मुख्य अभियंता द्वारा अनुमोदन किए जाने के बाद तकनीकी सलाहकार समिति को अनुमोदन के लिए भेजा गया है जबकि केहरपुर परियोजना तकनीकी सलाहकार समिति से अनुमोदित हो चुकी है, जिसे स्थाई संचालन समिति को अनुमोदन के लिए भेजा गया है। अधिशासी अभियंता ¨सचाई ने बताया कि इंटक के जिलाध्यक्ष विनोद ¨सह ने सैकड़ों गामीणों के हस्ताक्षरयुक्त प्रार्थना पत्र जिलाधिकारी को देकर इन दोनों गांवों को गंगा से बचाने की गुहार लगाई थी। इस क्रम में जिलाधिकारी भवानी ¨सह खंगारौत ने अपने संस्तुति पत्र के साथ शासन को उक्त पत्र प्रेषित किया था जिससे यह दोनों परियोजनाएं स्वीकृत हुई है।

Posted By: Jagran

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SunnyNovember 7, 2018
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6min170

Image: Pixabay

MoviePass competitor Sinemia announced new discounted subscription plans this week for people who are willing to only use the service to see movies on weekdays. The weekday-only plans are around 20% off the company’s standard price and start at $3.99. They can only be used Monday to Thursday.

If you’re not familiar with Sinemia, the service works similarly to MoviePass in that you pay a set rate each month in order to see a predetermined number of movies. Unlike MoviePass, with Sinemia you can purchase those tickets in advance through any ticketing site you’d like and select seats. There are also family plans available. With many theaters, you’ll also have to pay credit card processing fees of around $1 a ticket when you make that reservation.

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I have a subscription to the service that I purchased through a separate promotion—for $9 a month my boyfriend and I can go see one movie together and we get a $25 restaurants.com gift certificate each month. I exclusively use my Sinemia subscription to purchase tickets at our local Alamo Draft House where I’m also earning rewards, so while I haven’t used a single one of those restaurants.com certificates, I have earned a free popcorn or two along the way.

Here are the new weekday-only subscription plans:

•$3.99 per month (instead of $4.99 standard price) – One ticket to any movie per month.

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•$8.99 per month (instead of $10.99 standard price) – Three tickets to any movie per month.

•$9.99 per month (instead of $12.99 standard price)- Two tickets to any movie per month including 3D, 4D and IMAX formats.

•$14.99 per month (instead of $17.99 standard price) – Three tickets to any movie per month including 3D, 4D, IMAX formats.

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•$23.99 per month (instead of $29.99 standard price) – One ticket to any movie per day (aka unlimited) 2D movie tickets

These promotions typically don’t last long—so if this sounds like a great idea to you, don’t wait too long.

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