Full Editorial, Author at The Dishh

4 Benefits of Using a Consumer Proposal to Reduce Debt

By Full Editorial on September 22, 2024

When you’re over your head with debt, it’s easy to feel like there’s no way out. Making minimum payments only to watch your balances rise from added interest can be a vicious cycle. As your finances spiral out of control, you could soon find yourself on a fast track to bankruptcy. There is a way you may be able to halt your slide toward insolvency, however. It’s called a consumer proposal. It offers a way to stop accumulating interest and settle your debt for less than you owe. Here are four of the benefits of using a consumer proposal to get your debt under control.

1. It Safeguards Your Assets

One of the scariest things about debt is that it can lead to the seizure of your assets. When you default on a debt, creditors may ask a court to garnish your wages and seize your home, car, furniture, and anything else you own of value. A consumer proposal immediately halts collections and prevents the seizure of your assets. The only exception is when you have debts secured by specific assets. Protecting your assets from seizure provides peace of mind while you work to resolve your debt issues.

2. It’s a Legally Binding Process

A consumer proposal is also a legally regulated and binding process. It means your creditors must abide by it, and you will gain legal protection if they don’t. A consumer proposal requires the participation of a licensed insolvency trustee. They’re the ones who help you draft your proposal and whom you pay according to your agreed-upon schedule. Then, the trustee distributes the money to your creditors, so you don’t need to manage the process yourself.

3. It’s Less Damaging to Your Credit

A consumer proposal will also do less damage to your credit than a bankruptcy. A first bankruptcy will remain on your credit for six to seven years. A second one will stay on your report for 14 years. A consumer proposal only stays on your credit for three years after you complete payments. Plus, it may only appear on your credit report for six years from when you sign it. Plus, a consumer proposal on your credit report equates to an R7. Bankruptcy is an R9. The higher the number, the more impact the negative mark has on your credit.

4. You May Reduce Your Debt by up to 80%

Finally, a consumer proposal can significantly curtail how much of your debt you must pay. You can cut your overall debt load by up to 80%. That can turn a $50,000 debt into a much more manageable $10,000 one. Plus, when you finish paying the reduced figure, you get a certificate declaring you’ve satisfied your obligation. Your creditors can never try to collect the rest of the original debt total from you.

End the Debt Cycle

A consumer proposal may be ideal for you to regain control of your finances. It comes with significant benefits if you abide by the terms you agree to. However, you should always consult a qualified counsellor before entering into any financial agreements. If you take advantage of the consumer proposal process, you can emerge debt-free from the other side, ready to resume your life unencumbered.

How to Decide Whether to Lease or Buy a New Vehicle

By Full Editorial on September 1, 2024

If your current vehicle is no longer reliable or is too small for your household, a purchase may be the best option. Drivers who don’t tend to put a lot of miles on their vehicle each year may be better suited to a lease. The tips below can help you make your decision.

Your Personal Finances

Make a list of what you need out of your next car and compare it to what’s available from your dealership. With this information, you can get a ballpark understanding of what your payment will be and the available loan terms.

As a general rule, a lease payment is going to be less than a loan payment. Of course, you’ll want to do your own comparisons. However, if you don’t plan to take the vehicle on long road trips, it’s entirely possible that leasing a vehicle may actually be easier on your budget, especially if you need a larger vehicle than you currently have.

Parents with children getting ready to leave the nest may struggle to pack the whole family into one vehicle. A short lease of a larger vehicle, such as an SUV with seating for 7 or more may be ideal. You may be able to purchase a smaller, less expensive sedan in just a year or two to use as a daily driver.

Necessary Vehicle Capabilities

If you have a small business and need a truck for work, purchasing a working vehicle with the towing and hauling capacity you need is key. However, many work trucks have limited space for passengers. Pickups at a higher trim level might have more room for people, but the cost of any truck at these higher trim levels may get in the way.

In such cases, it may make sense to purchase a certified pre-owned work truck with the capacity you need, especially if you currently have a reliable family vehicle. Bring your requirements to your dealership so you can carefully study the specs; even a rugged work truck can become overloaded and become a danger to drive.

Location Considerations

Weather can also have an impact on the best vehicle for you to drive. Those used to mild winters may need to spend a few years in the frozen north. In such cases, your rear wheel drive truck or SUV may not be safe.

If you’re planning a temporary relocation in snow country, leasing a vehicle that is known for great handling could be a terrific investment in your safety. An all-wheel drive SUV will ride a bit higher, making it easy to stay out of mud, slush, and snow. The all-wheel drive feature can even give you a bit more purchase on icy roads. If you choose to stay in a cold country, you can purchase the vehicle or extend the lease and keep enjoying those safety features.

There are many new cars with a terrific price point right now, especially if you can work with a base model trim level. Don’t rule out your ability to afford a purchase! If your budget is stretched too far, a lease can be an affordable option.

3 Ways How Installing a Sump Pump Can Help Your House

By Full Editorial on September 1, 2024

3 Ways How Installing a Sump Pump Can Help Your House

Managing runoff around your home is a very important step in protecting it. That’s why we install gutters and downspouts that properly move water away from the house during rain events. However, the water that gets under your house requires just as much attention, and a sump pump can prevent just as many problems as your gutters do. Here are three ways that you can help your house by installing a sump pump.

1- Preventing Basement Flooding

Even the best-built homes are subject to flooding when rainfall rates outrun the natural ability of the basement floor to contain the water beneath it until it can drain away. When heavy rain hits, a basement without a sump pump will quickly experience a backup that can cause several problems when it finally gets into the living space.

Floor coverings like carpet and wood laminate will become waterlogged and ruined, as will the baseboards and the lower portion of paneling or sheetrock. Furniture and other upholstered items can be damaged or destroyed. Even unfinished basements can see damage as the water finds its way into stored items like clothing. A sump pump can keep the backlog of water from rising high enough to enter the living space, saving the basement’s finishes, furnishings, and contents.

2- Reducing Pressure on Basement Walls

One of the most problematic developments in homes with basements is cracks in the walls that allow water to seep into the basement. These can be even more problematic than backups under the floor because even a minor rainfall can start dribbling through the walls. Waterlogged soils against the walls are often to blame for these cracks as the heavy soil pushes in against the walls. Poured concrete walls are more durable than block walls, but neither is totally immune from this problem.

A sump pump will pull the water out from under the basement floor, allowing water to drain quickly down from the walls and under the floor where the pump can remove it. The resulting reduction in pressure on the walls will reduce the risk of cracks developing.

3- Fighting Mold Growth

Indoor air quality is a very important topic for homeowners. One of the biggest reasons for problems with allergies inside a home is high moisture levels that support the growth of mold and mildew that trigger breathing problems. Basements are particularly problematic with this issue because they are darker, cooler, and less likely to air out throughout the day because they aren’t commonly occupied.

Water leaching into the basement can support the growth of problematic mold and mildew, so using a sump pump to control that water is a major step toward creating better indoor air quality.

The most damaging environmental factor for your home is water. Whether you’re making sure it runs properly off the roof or moves quickly out from under your basement, you’re doing your home a favor by managing runoff properly. Making a sump pump part of the plan is an upgrade your home can’t do without.

7 Ideas to Help Create a Better Sleep Routine That Works for You

By Full Editorial on September 1, 2024

As you go through your daily life, it can be difficult to fall asleep because of all your worries. This does not have to be the way it is for you for the rest of your life. You can promote a better sleep routine, and you will learn how here.

1. Go to Bed and Wake Up at the Same Time Every Night and Day

Your body has an internal clock, known as the “circadian rhythm.” You train this clock to put you to sleep at night and wake up in the morning by going to bed at the same time every night. You must also get up at the same time in the morning. This means that you will not be able to sleep in on Saturday and Sunday, but it will be for an important cause. Once your body becomes accustomed to going to sleep at the same time every night, you will begin to fall asleep without tossing and turning. In the morning, you will notice that you are especially refreshed.

2. Do Not Eat During the Night

Try to stop eating for two or three hours before going to bed. This gives your digestive system time to work its magic and settle down before it is time to fall asleep. You will want to avoid alcohol, nicotine, and caffeine at this time because the effects of nicotine and caffeine will take longer to wear off and will keep you up at night. Although alcohol has a sedative effect, it does not keep you from waking up during the night.

3. Do Not Sleep During the Day

If you take a long nap during the day, it will affect your nightly sleep. If you sleep during the day and work at night, you may take a nap before work so that you reduce your sleep deficit.

4. Make Your Bedroom a Comfortable Place

The bedroom is for very specific activities. Therefore, you should not wait until you are in bed to have long discussions, watch movies, or work on your laptop. If you do these things, you will not have the best sleep hygiene, and it will not lead to the best quality of sleep. Turn your bedroom into a place that encourages sleep. This includes setting the temperature between 60 and 67 degrees Fahrenheit, putting up black-out curtains, placing comfortable pillows on the bed, and keeping all screens out of the bedroom.

5. Choose to Exercise Long Before Bedtime

Exercise is a good way to promote good sleep hygiene, but if you do it at the wrong time, it will not have the intended effect. When you exercise, it increases the number of hormones that stimulate your body, and this is not what you want to do before you try to go to sleep. The best times for exercise are in the early morning or the afternoon. If you exercise an hour before bed, you will have difficulties falling asleep.

6. Relax Your Mind

Bedtime is not the time to begin worrying about everything under the sun. To avoid this, you can meditate, do yoga stretches, or progressive muscle relaxation before going to bed.

7. Try CBD Products

CBD products exist that help you fall asleep and get the best quality of sleep possible. It’s best to speak to a healthcare professional who can help you find the right CBD products for your needs and lifestyle.

Security Measures For Every Car Owner: Easy Tips to Keep Your Ride Safe

By Full Editorial on July 2, 2024

You might also consider investing in a steering wheel lock or a wheel clamp. These visible deterrents make your vehicle a less appealing target for thieves.

Parking in well-lit areas or using a secure garage can further enhance your car’s safety, minimizing the chances of break-ins.

Additionally, don’t underestimate the importance of regular maintenance checks.

Ensuring your car’s security features are functional can prevent potential mishaps.

Implementing these measures can significantly reduce the risk of your car being stolen or damaged.

Understanding Car Theft

Car theft is a significant concern for many vehicle owners, but by knowing the common methods and potential impacts, you can better protect your vehicle.

Common Types of Vehicle Theft

Hot-Wiring: Thieves bypass the ignition system to start the car without using a key. This method is less common in modern vehicles with advanced security systems, but it remains a threat for older models.

Relay Attacks: This technique targets keyless entry vehicles. Thieves use devices to capture and amplify the signal from your key fob, tricking your car into thinking the key is nearby.

Key Cloning: Criminals copy the signal from electronic key fobs when they’re close enough, often by using sophisticated electronic equipment. This method allows them to unlock and start your vehicle without physical keys.

Breaking and Entering: This method involves physically breaking a window or using a tool to unlock the car. It’s straightforward but noisy and risky for the thief.

VIN Cloning: By replacing your Vehicle Identification Number (VIN) with a fake one, thieves make it more challenging to track and recover stolen vehicles.

Risks and Impacts of Car Theft

Financial Loss: Replacing a stolen vehicle can be expensive, especially if your insurance doesn’t cover the full value. Lease and financing obligations don’t disappear with the theft of your car.

Emotional Stress: Beyond the monetary cost, there’s a significant emotional toll. The feeling of violation and the inconvenience can be distressing.

Insurance Premiums: Vehicle thefts can lead to higher insurance premiums. Each claim impacts your record, potentially raising costs.

Legal Complications: If your stolen vehicle is used for criminal activities, you could face legal complications or need to clear your name.

Asset Recovery: According to the National Insurance Crime Bureau, only a percentage of stolen vehicles are recovered. Even when they are, they may be damaged or stripped of valuable parts.

Proactive Security Measures

Taking steps to enhance the security of your vehicle can significantly decrease the chances of theft or damage.

Combining physical anti-theft devices, technological theft deterrents, and personal safety practices makes your car less appealing to thieves.

Physical Anti-Theft Devices

Installing physical anti-theft devices is one of the most visible ways to safeguard your vehicle.

Steering wheel locks, wheel locks, and pedal locks act as strong deterrents.

Steering wheel locks attach across your steering wheel, making it impossible to steer.

Wheel locks secure the wheels of the vehicle, preventing them from being easily removed.

Pedal locks stop the brake or clutch pedal from being pressed. Using a combination of these devices can be particularly effective in preventing theft.

Technological Theft Deterrents

Technological solutions add another layer of security.

Alarm systems not only alert you of unauthorized access but also scare off potential thieves.

GPS tracking devices allow you to track your vehicle’s location in real-time, which is invaluable if your car is stolen. Visit PAJ websites to know more about GPS tracking devices designed specifically for your car.

Consider passive immobilizers, which prevent the car from being started without the correct key or key fob.

Install a dashcam to record activity around your car and provide valuable evidence if needed.

Personal Safety Practices

Your habits play a significant role in vehicle security.

Always lock your vehicle and take your keys with you, even for short stops.

Avoid leaving valuables in plain sight; store them in the trunk or take them with you.

Opt for well-lit areas when parking, as thieves often target dark or secluded spots.

If you have a garage, utilize it for parking to add another barrier against theft.

Smart Car Protection Tactics

To enhance your car’s security, focus on integrating advanced technology and staying alert to new threats.

Integrating Advanced Security Technology

Equipping your car with the latest security technology significantly increases vehicle safety.

Car alarms are essential; opting for systems with loud, distinct sounds can deter thieves.

Consider car trackers as well. GPS tracking devices help you locate your car if it’s stolen, providing peace of mind.

Keyless entry systems are convenient but can be vulnerable.

Using a Faraday pouch for your key fob blocks signals, protecting against relay attacks.

Additionally, some systems allow you to disable the key fob’s wireless signal, adding another layer of security.

Installing a steering wheel lock can also serve as a physical deterrent.

Adapting to New Threats

Stay informed about the latest car theft tactics.

Keyless car theft is on the rise, so it’s crucial to update your car’s software regularly to patch security vulnerabilities.

Manufacturers often release updates to counter new hacking techniques.

Be wary of where you park. Well-lit, busy areas reduce the risk of theft.

Installing a tracking device also helps recover your car quickly if it gets stolen.

Remember to use visible deterrents like steering locks and etching your vehicle identification number (VIN) on your windows.

What To Do If Your Car Is Stolen

If your car is stolen, acting promptly increases the chances of recovery.

Immediate actions include contacting the police, notifying your insurance company, and using vehicle recovery systems.

Immediate Actions Post-Theft

As soon as you realize your car is missing, stay calm. Double-check that your car wasn’t towed or borrowed.

If you confirm it’s stolen, gather your vehicle’s details, such as make, model, year, color, and license plate. These details are crucial for reporting the theft.

Notify your local law enforcement right away.

Provide all necessary information about your car, as well as any personal belongings inside the car.

Consider using vehicle recovery systems if your car is equipped with one, as they can help track your car’s location.

Engaging with Law Enforcement

Contact the police to file a police report.

Be sure to give a detailed description of your car, including any unique features or identifiers.

Provide your contact information and be available for follow-ups.

Ask for a copy of the police report and the report number, as you will need these for your insurance claim.

The Role of Insurance in Recovery

Your insurance policy can greatly assist in the recovery process.

Report the theft to your insurance company as soon as possible and provide them with the police report number.

Check your policy details on coverage for stolen vehicles.

Many insurance companies might cover a rental car or other transportation costs after a theft.

They will also guide you through the claims process and inform you about what to expect in terms of payout or recovery assistance.

Keep track of all correspondence and documentation related to the theft and the ongoing investigation.

This helps ensure smooth communication and might speed up the resolution of your claim.

5 Signs of a Detached Retina and When to See a Doctor

By Full Editorial on June 3, 2024

Retinal detachments are fairly common but have the potential to permanently damage your eyesight. That’s why you need to know the symptoms of this eye issue so you can seek immediate medical attention. Retinal detachments can be repaired, often during outpatient surgery, but you need to act quickly.

What is a Retinal Detachment?

A retinal detachment has various causes, but they all lead to the retina pulling away from the other eye tissues. It can be a complete or partial detachment, but in both cases, it needs to be reattached as soon as possible.

Types of Retinal Detachment

Rhegmatogenous – This type is caused by a tear in the retina that allows fluid to pass through and collect under it. As the pressure builds, your retina will begin to detach. When the retina pulls away, blood flow to the area stops and you begin to have impaired vision. Aging is the most common cause of this type of retinal detachment because the gel in your eye changes consistency and may tug on your retina as it separates.

Tractional – This detachment type occurs when scar tissue grows on the retina, pulling it away from the back of the eye. It is often caused by diabetes or other chronic health issues.

Exudative – With this type of retinal detachment, fluid collects beneath the retina without any holes or tears being present. Age-related macular degeneration, eye injury, inflammatory disorder, or tumors may be the cause.

5 Symptoms of Retinal Detachment

1- The Sudden Appearance of Floaters

Many people have some floaters, specks, or worm-like material that floats across your field of vision. A sudden burst of these floaters may indicate a detached retina.

2- Blurred Vision

If objects suddenly become blurry, you should consult your medical professional. It may be a sign of a detached retina or other eye issue.

3- Light Flashes (Photopsia)

If you experience flashes of light in an eye or eyes, it may indicate a retinal problem.

4- Loss of Peripheral Vision

A detached retina can cause you to slowly lose your side vision.

5- Curtain Shadow

This symptom is one of the most startling. A curtain-like shadow will descend over your vision as the retina pulls away from the rest of your eye.

A detached retina is not painful, so you may be tempted to overlook some of these symptoms. However, you should consult your eye specialist if you develop any of these symptoms. You may be fine, but only a medical professional can make sure.

Treatment

Two main treatments for a detached retina are Cryopexy/laser and surgery. Cryopexy, also known as freeze treatment or laser surgery, allows your doctor to use a freezing probe or medical laser to seal any tears in your retina. These are usually outpatient treatments.

Surgery

When much of your retina is detached, your physician may choose to perform surgery on your eye. The doctor will reposition the retina using a small band. You will be under anesthesia, but it is usually an outpatient procedure.

In some cases, the doctor performs a vitrectomy, a procedure where they make a small opening in the affected eye and remove most of the gel, or vitreous, using a suction tool. The doctor may then repair the retina using a laser or freeze treatment or inject a bubble of air or gas to keep the retina in place.

Detached Retina Process

If you suspect you have a detached retina, contact your eye specialist. Time matters when you have this condition, and prompt treatment can prevent vision loss. Your symptoms may not be the result of a detached retina, but they indicate something is wrong with your eyes. So contacting a medical professional is essential for your eye health.

Remember, a detached retina is painless. The lack of discomfort causes some people to downplay their other symptoms, but no pain does not mean your eyes are okay. See your doctor if you suspect you might have a detached retina.

How to Choose a Floor Plan That Matches Your Family’s Needs

By Full Editorial on May 22, 2024

When it comes to purchasing or renting a home, the floor plan is the foundation of your family’s comfort and happiness. It’s more than just the number of rooms or the layout of the kitchen. It’s about creating a space where memories are made and life unfolds. Selecting the perfect layout is a high-priority task. The floor plan should be designed to accommodate you and your family. There are several factors to consider when hunting for the perfect fit. It is important to secure your investment by ensuring you get nothing less than what is needed.

Think About Family Lifestyle and Special Needs

Determine the number of bedrooms and bathrooms you will need by the size of your family composition. If you frequently entertain or have sleepovers, you will need to consider additional space. A workout room, home office, or playroom may be ideal for some of the household members. Accessibility options should be prioritized for seniors or those with mobility impairment who will be residing in the home.

Research Space and Lighting

The size and design of each room will help you ascertain the type of furniture and decor that is compatible. Having nice-sized closets and cabinets is essential for big families and will decrease the chances of clutter. Having closed or open areas impacts engagement, lighting, and privacy. Quick access and visibility to certain areas can be necessary commodities for your family. The location and size of the windows will affect the amount of natural lighting that flows throughout the home.

Consider Long-Term Goals

The length of time you plan to occupy the home could be a deciding factor in the layout you prefer. The floor plan should be adaptable during your years of occupancy. Certain rooms or areas may eventually require an upgrade or serve a different purpose altogether. Also, consider the ease of mobility within the house, especially if you plan to age there. For temporary stays, you can be more flexible with your demands.

Keep Your Pets in Mind

Look for floor plans with open living areas where your pets can move freely. Spacious rooms allow them to chase toys, stretch, and explore without feeling cramped. Create specific areas for your pets. Whether it’s a cozy corner in your bedroom or a bonus room, having a designated spot for their bed or crate ensures they feel secure and comfortable. If you have cats, you might consider a special closet with a cat opening in the door to store the litterbox so it can still be accessed without being visible. An open floor plan also encourages interaction between pets and their humans, promoting a sense of togetherness and unity.

Selecting the right layout is a process that requires careful consideration of your family’s present and future needs. A well-thought-out floor plan will enhance your living experience, providing comfort, functionality, and a sense of well-being. By assessing your lifestyle, thinking long-term, balancing communal and private spaces, and maximizing natural elements, you can choose a floor plan that meets your family’s needs and turns your house into the perfect sanctuary for you and your loved ones.

5 Benefits of Purchasing Your Headstone Before You Die

By Full Editorial on May 22, 2024

Many people will purchase a burial plot years before they pass away, but should you buy the headstone too? As awkward as it may seem to think about such things, it’s a big part of pre-planning for your final arrangements. You’ll be able to enjoy the following benefits by purchasing your headstone before you die.

1. Financial Security

Inflation affects everything, and this includes headstones. If you purchase yours now, you’ll be getting it at today’s prices. Waiting could mean that your family will spend much more on the exact same stone. While this may not seem like a big deal now, think about the long-term benefits. The money you save will become part of the estate you leave behind. Best of all, your family won’t be tempted to overspend on extravagant details you don’t want during what is an emotional time for everyone.

2. Personalization

Your headstone should reflect who you are. It’s a deeply personal memorial. You want it to remind your family of exactly who you were. There are a variety of options to choose from. Along with selecting the type of stone and inscription, you can have images of your favorite things added to the design. There may be things that are important to you that others won’t think to include on your headstone. For example, an animal lover may want an image of a dog or kitten on their headstone.

3. Peace of Mind

Not only will you have peace of mind knowing that your headstone will reflect you personally, but your loved ones won’t be responsible for this task. Rather than guessing, they’ll know your memorial is just the way you wanted it to be. It’ll bring them additional peace at a very difficult time in their lives. Instead of trying to handle a multitude of details at your passing, they can focus on being there for one another.

4. Ensure Your Legacy

If you don’t have a headstone already purchased, the funeral home or cemetery can provide a temporary marker for your grave. Unfortunately, some families never buy their loved ones a stone. It’s not always due to neglect. It’s a difficult task that is far too emotional for many. By pre-purchasing your headstone, it ensures that your final resting place is permanently marked. It’s a lasting legacy for future generations to enjoy.

5. Comfort

It can be a comfort for all involved to know your final arrangements are taken care of. This includes buying the headstone before you die. You’ll take comfort in knowing you helped your children, spouse, or any other loved one left behind through a difficult time. They’ll take comfort in knowing that your final wishes were perfectly honored. If you’re sitting on the fence when it comes to deciding whether or not to take this step, keep in mind that it’s a wonderful way to show your unconditional love for them one last time.

While your death might not be something you want to think about now, it’s important to spend time thinking about what you want and purchasing the headstone you desire.

5 Tricks to Negotiating a Great Deal on a New Vehicle

By Full Editorial on May 22, 2024

In tough economic times, negotiating with a seller for a new car can be a major challenge for even the most battle-hardened consumers. However, by employing a few simple tactics, anyone can get a commonsense deal and drive away from the dealership without feeling cheated. In fact, the following five tips include all you need to know to bargain like a champ.

1. Be Willing to Say “No”

Honest, experienced dealers will respect a buyer’s decision to “walk away” at any time during negotiations. However, most consumers never even attempt this strategy. Your goal is to remove the pressure to buy by being 100% ready to say “No” to any deal that doesn’t meet your minimum criteria.

Doing so is an excellent way to show the seller that you will not be a pushover. Expect a counteroffer when you say no, but some dealerships won’t make one for a day or two. The good news is you’ll have extra time to investigate other offers during that interval.

2. Pay Attention to Timing

Never underestimate the power of strategic timing. A little bit of planning in this area can save buyers thousands of dollars with little effort. Call local dealers and ask about special pricing, advertised discounts, and upcoming sales. Most sellers have annual, monthly, and other time-sensitive sales quotas. The most common quotas for dealerships occur at the end of each month. Similarly, year-end clearance events can be the perfect time to snag your favorite vehicle and take advantage of a significant price cut.

3. Shop Around

The easiest tip to implement: Shop at least three dealers to find the best price on the exact vehicle you want. Let dealers know you’re shopping around, and be willing to use the prices you get from one seller as leverage when negotiating with others.

4. Perform Targeted Research

Spend at least two hours online checking out prices and availability of your preferred make and model. Read reviews on major car-related websites, like Car & Driver, Edmund’s, and Motor Trend. Before heading into the dealership, arm yourself with specific data regarding price range, market value, and typical dealer incentives. Look at local dealer websites for special promotions and sales.

5. Focus on “OTD” (Out-the-Door) Price, Not the Sticker

Ignore the sticker price and focus on the total cost to drive away, also known as OTD or out-the-door price. The number usually includes the base price, registration fees, taxes, and various dealership fees. Include them all to find out your actual cost to take ownership of the vehicle.

Before You Shop

Review the tips above in order to prepare yourself. Doing research and planning to buy at the right time comes easily to most individuals. Some need to practice the art of assertiveness before plunging into the search for a new car. Try saying no to a few people in other aspects of your life to get a feel for what it’s like to be firm but pleasant.

That way, it’s much easier to boost your chances of getting a reasonably good deal on the next vehicle you purchase. Preparation is the secret ingredient, so use a friend to do a few practice sessions in which they play the role of the dealer. It’s time well-spent and can save any consumer a substantial amount of money.

5 Great Advantages of Starting Kids Off on Balance Bikes

By Full Editorial on May 22, 2024

You may remember learning to ride your bicycle as no big deal. It does come naturally to some kids as young as 4 and 5. For others, the journey is more difficult. Some kids have not developed enough balance to ride without falling. Others are frightened of losing control and crashing. That’s why a balance bike is a good way to introduce cycling to your little ones. These pedal-less creations allow children to learn basic bike riding skills before needing to pedal. Below are five advantages of introducing your child to a pedal bike.

1- Safety

Balance bikes are not as tall as pedal bikes because the child’s feet have to reach the ground. They push with their feet and learn balance without risking a big fall. Pedal bikes have to be taller, to give your child room to pedal. When your kid’s balance fails or they hit a rut, they can take a hard fall to the ground. Children can fall off of balance bikes, but the fall is a short one that hurts less.

2- Weigh Less

Balance bikes are much lighter than pedal bikes. Typically, pedal bikes for young children weigh around 12-15 pounds in contrast to balance bikes which weigh around 6-9 lbs. Your child can manage a balance bike more easily than a heavier model. A pedal bike is about half of some children’s body weight, which makes it difficult for them to push it or steer it. These bikes can easily fall on them, too. Lighter rides encourage your child to get more exercise because they can ride longer without getting tired. Your child will probably be worn out after a short ride on a pedal bike. And hills will seem impossible to climb.

3- Balance Development

Experts note that kids continually learn to balance as they progress from walking to running to climbing, etc. Jumping to a pedal bike may be too big of a leap for some. A balance bike allows them to keep both feet on the ground, which is a more natural progression than trying to pedal right away. The balance bike teaches children how to stay upright, which should make learning to pedal a bike easier in the future. Also, your child may not need training wheels when they begin riding a pedal bike if they start on a balance model.

4- Turning

Remember freezing on your pedal bike when first learning to steer? Many children have difficulty learning to turn on a pedal bike. This problem leads to crashing into hedges, parked cars, and pedestrians. A balance bike teaches children to turn naturally. They lean into turns the way adults and older children do, and the bike encourages them to. A pedal bike is less flexible and requires more effort to turn, especially with training wheels. That is why new riders have so many accidents.

5- Handles Rough Ground

An uneven sidewalk, road rut, or uneven turf can upset the balance of a small child. The ground is seldom perfectly smooth, and an inexperienced rider can take quite a few falls on a pedal bike. In contrast, a pedal bike makes maneuvering through rough ground easy. Your child simply uses their feet to balance until they hit smooth ground again. Then they can lift their feet and ride away.

Riding a balance bike will build your child’s confidence. Days spent falling off a pedal bike or needing help to ride it can make them feel like failures. Instead, they can hop on their balance bike and be competent in no time. This greater confidence will make riding a pedal bike less challenging later on.

If you are like many adults, you have a few scars from your early bike riding years. You may even brag about these scars. But honestly, wouldn’t you rather your child have an easier experience? They can if you start them off with a balance bike.