6 Surprising Hidden Sources of Sugar
A common misconception among people regarding sugar is that its appearance is only visual. When you see some cake frosting or candy, you know there's sugar in it and you're inclined to stay away from refined foods. What people fail to grasp is the fact that most of your daily sugar consumption comes from hidden sources of food that you tend to use from day to day.
Read Also - 3 Ways to Consume Less Sugar
Rules for Sugar
A recently published study from the 'American Heart Association' has provided guidelines for the average American's sugar consumption. According to these guidelines, the sugar intake for women should be limited to a hundred calories or six teaspoons a day, while the sugar intake for men should be limited to nine teaspoons which is 150 calories per day.
Americans tend to disregard these guidelines and go on with consuming at least 475 of sugar calories per day. What's amazing is the fact that these people don't even realize where all this added sugar is coming from. Hence, it's about time you took a good hard look in your kitchen and got rid of the sources that provide this hidden sugar.
Monday, September 3, 2012
30 Ways to Prevent Heart Attacks
MensXP.comMensXP.com – Fri, Aug 31, 2012 12:00 PM PHT
With the stress of maintaining a professional career, heart health is truly going to the dogs.
Because of this, heart attacks are common occurrences today. Here are some steps to do away with heart ailments for good.
1. Biking
The benefits of regular exercise have been unanimous in promoting physical health. Studies have shown that regular workouts have reduced the risks of heart attacks and other cardiovascular ailments.
2. Dark Chocolate
Flavonoids contained in dark chocolate are anti-inflammatory agents, which also maintain arterial flexibility, apart from reducing cholesterol levels in the blood. Dark chocolates also boost serotonin levels in the blood and render proper recovery from physical shocks.
3. Beer
Light-beer contains heart-healthy antioxidants, which reduce bad cholesterol levels in the blood. Having a beer everyday may have some benefit to immunity. However, one should exercise moderation while consuming beer, as over-consumption can cause more harm than good.
4. Vitamin B Complex
Regular intake of Vitamin B complex supplements tends to lower the levels of homocysteine, a compound that elevates risks of heart diseases. The blood vessels are also suitably enlarged to allow improved circulation of blood.
5. Sleep Apnea
Commonly termed as snoring, sleep apnea has been a potent reason for heart diseases in men. Snoring accounts for sporadic or constricted breathing during sleep, causing interrupted rest. This upsets the repairing cycle, thus increasing chances of cardiac arrests in the long run.
6. Sleep
People sleeping less than 7 hours are at higher risks for contracting heart diseases than people with optimum amounts of rest at night. Uninterrupted sleep is absolutely essential for maintaining blood pressure and cholesterol levels.
7. Fish
Fishes are replete in Omega-3 fatty acids, which aid in arterial cell renewal and maintain proper cholesterol levels in blood. Apart from that, it also reduces arterial fibrillations. Consuming salt-water fishes like halibut, cod and salmon, twice a week, will aid in excellent cardiovascular health.
8. High-Fibre Breakfast
With low glycemic levels in the mornings, a high-fibre breakfast is the best way to kick-start the metabolic rate. Studies have shown that men consuming multi-grained breakfast have had 23% less chances of developing heart ailments than those who do not.
9. Flaxseed
Flaxseeds are miracle pills for optimum cardiovascular health. Replete in good quantities of fibre and essential fats, these seeds can be eaten whole, ground or in the form of cooking oil.
10. Garlic
The pungent-tasting clove is an excellent agent in reducing cholesterol. It boosts hormonal activity and purges the blood of impurities. Consuming one or two cloves daily will result in optimum health of your heart.
11. Tea
Be it black or green, tea has been unanimously effective in contributing to cardiovascular health. The rich antioxidant content is said to regulate fluid control and arterial cleansing, and also facilitate low cholesterol levels. People consuming two cups of tea every day have only 11% chance of suffering a stroke in their lifetime.
12. Hazelnut
Consuming 425 grams of hazelnut daily will reduce the risk of coronary blockage by 16%. Its essential oil content is beneficial to the delicate cellular lining of the heart and blood vessels. Whether eaten whole, ground, or roasted, hazelnuts are excellent additions to the daily diet.
13. Legumes
A healthy inclusion of legumes is essential for efficient cardiovascular functions. Rich in fibre and mineral content, legumes provide the right amount of nutrients needed to ensure the proper functioning of the heart.
14. Sex
A good sex life is paramount in maintaining optimum physical functions and this holds true for heart-health, as well. Sex promotes hormonal production, neural stability and vascular strength, among its many benefits. Studies have shown that men having sex twice a week have lesser chances of contracting strokes in their 50’s than those who do not.
15. Ecosprin
The anti-inflammatory power of Ecosprin tends to reduce blood pressure and emotional anxiety. However, it should only be taken according to the doctor’s prescription.
16. Cherries
The sweet little nubs are miraculous in reducing risks of heart disease. Studies conducted show that the anthocyanine pigment, responsible for lending colour to cherries, is also a key ingredient aiding uric acid reduction. An excess of uric acid in blood will eventually lead to cardiac arrest. Consuming a handful of cherries, whether whole, dried or juiced, will ensure a healthy heart for a long time.
17. Beans
Beans contain good quantities of folic acid and are downright essential for maintaining the fluidity of blood, without which it is impossible to ensure cardiovascular wellness. Consuming a cup of beans every day will provide you with all the essential nutrients you need to keep your heart healthy.
18. Oranges
Oranges, one of the richest sources of Vitamin C, lower cholesterol levels and clear arterial blockages. Oranges are versatile fruits, which can be consumed whole or made into juices. Eat an orange every day to reap benefits of good health.
19. Skip Aerated Beverages
Aerated drinks only provide a host of empty calories to the body, while upping sugar levels in the blood. These commercial drinks are responsible for obesity and heart ailments. Opting for water or fruit juices instead, will minimize risks of heart damage.
20. Water
Proper hydration maintains blood fluidity and reduces chances of internal coagulation. Drinking 2.5 litres of water daily will flush the toxins from the system and optimize cholesterol levels.
21. Ginger
Inflammation is one of the many causes of cardiac arrest. Thus, including anti-inflammatory supplements is paramount in keeping vascular infections at bay.
22. Bladder Control
Recent studies have displayed that men exercising great bladder control are more prone to cardiac arrests than men who relieve themselves at the slightest urge. An overloaded bladder induces faster palpitations and causes the arteries to contract, thereby resulting in fatal strokes. Timely urination, thus, will not only preserve the heart, but will also reduce chances of prostrate troubles in the future.
23. Regular Vacations
All work and no play not only make Jack dull, but also make him prone to cardiac arrests. Studies have shown that people taking regular vacations from their strenuous work-life have lesser chances of heart ailments, than people working continuously for months, at a stretch.
24. Heart Rate Variability
HRV is the heart’s ability to respond to various activities and situations. Hotter climates and overexposure to pollution has been one of the prime factors in its rampant increase. Living in artificially cooled and germ-free environments helps reduce the chances of overworking the heart.
25. Multivitamin Supplements
Due to a compelling work-life, it is not always possible to maintain a healthy diet. Taking dietary supplements thus, makes up for all impending nutrient losses. Ask your doctor to prescribe multivitamins for you to take on a daily basis. This will strengthen your immunity, maintain proper vascular viability and keep your overall health in good shape.
26. Stress Management
Stress is the ultimate deterrent to achieving proper heart health. Stress creates a hormonal influx, elevates the heart rate and in doing so, causes the heart to pump at a rate beyond its capacity. Not only does this weaken the heart in the long run, but also makes one susceptible to cardiac arrests. Doing away with stress will increase your resistance to heart ailments.
27. No Smoking
One cannot emphasise on the disadvantages of smoking enough. Studies show that regular smokers have 25% more chances of suffering a stroke by their 50’s than non-smokers. Thus, by quitting, one can lead a healthy life.
28. Diabetes Check
Diabetic patients, due to their high insulin resistance, run the risks of quickly developing heart ailments. Keeping a regular check on blood sugar-levels will be an excellent way to keep the circulatory system in a healthy condition. With proper diet and medication, the effects of diabetes can be kept in check.
29. Depression
Depression is one of the prime psychological reasons behind increased susceptibility of strokes. The depressed have shown marked reduction in oxytocin and serotonin production, which in the long run have resulted in poor circulatory health. With proper counselling and psychiatric aid, one can escape the risks of fatal strokes.
30. Regular Cholesterol Check-ups
Annual cholesterol-level checkups are essential to monitor any semblance of cardiac damage. This will help in diagnosing the correct dosage, diet and exercise required, to bring the body back to health.
By following the above-mentioned steps, you will never run the risk of heart attacks.
MensXP.comMensXP.com – Fri, Aug 31, 2012 12:00 PM PHT
With the stress of maintaining a professional career, heart health is truly going to the dogs.
Because of this, heart attacks are common occurrences today. Here are some steps to do away with heart ailments for good.
1. Biking
The benefits of regular exercise have been unanimous in promoting physical health. Studies have shown that regular workouts have reduced the risks of heart attacks and other cardiovascular ailments.
2. Dark Chocolate
Flavonoids contained in dark chocolate are anti-inflammatory agents, which also maintain arterial flexibility, apart from reducing cholesterol levels in the blood. Dark chocolates also boost serotonin levels in the blood and render proper recovery from physical shocks.
3. Beer
Light-beer contains heart-healthy antioxidants, which reduce bad cholesterol levels in the blood. Having a beer everyday may have some benefit to immunity. However, one should exercise moderation while consuming beer, as over-consumption can cause more harm than good.
4. Vitamin B Complex
Regular intake of Vitamin B complex supplements tends to lower the levels of homocysteine, a compound that elevates risks of heart diseases. The blood vessels are also suitably enlarged to allow improved circulation of blood.
5. Sleep Apnea
Commonly termed as snoring, sleep apnea has been a potent reason for heart diseases in men. Snoring accounts for sporadic or constricted breathing during sleep, causing interrupted rest. This upsets the repairing cycle, thus increasing chances of cardiac arrests in the long run.
6. Sleep
People sleeping less than 7 hours are at higher risks for contracting heart diseases than people with optimum amounts of rest at night. Uninterrupted sleep is absolutely essential for maintaining blood pressure and cholesterol levels.
7. Fish
Fishes are replete in Omega-3 fatty acids, which aid in arterial cell renewal and maintain proper cholesterol levels in blood. Apart from that, it also reduces arterial fibrillations. Consuming salt-water fishes like halibut, cod and salmon, twice a week, will aid in excellent cardiovascular health.
8. High-Fibre Breakfast
With low glycemic levels in the mornings, a high-fibre breakfast is the best way to kick-start the metabolic rate. Studies have shown that men consuming multi-grained breakfast have had 23% less chances of developing heart ailments than those who do not.
9. Flaxseed
Flaxseeds are miracle pills for optimum cardiovascular health. Replete in good quantities of fibre and essential fats, these seeds can be eaten whole, ground or in the form of cooking oil.
10. Garlic
The pungent-tasting clove is an excellent agent in reducing cholesterol. It boosts hormonal activity and purges the blood of impurities. Consuming one or two cloves daily will result in optimum health of your heart.
11. Tea
Be it black or green, tea has been unanimously effective in contributing to cardiovascular health. The rich antioxidant content is said to regulate fluid control and arterial cleansing, and also facilitate low cholesterol levels. People consuming two cups of tea every day have only 11% chance of suffering a stroke in their lifetime.
12. Hazelnut
Consuming 425 grams of hazelnut daily will reduce the risk of coronary blockage by 16%. Its essential oil content is beneficial to the delicate cellular lining of the heart and blood vessels. Whether eaten whole, ground, or roasted, hazelnuts are excellent additions to the daily diet.
13. Legumes
A healthy inclusion of legumes is essential for efficient cardiovascular functions. Rich in fibre and mineral content, legumes provide the right amount of nutrients needed to ensure the proper functioning of the heart.
14. Sex
A good sex life is paramount in maintaining optimum physical functions and this holds true for heart-health, as well. Sex promotes hormonal production, neural stability and vascular strength, among its many benefits. Studies have shown that men having sex twice a week have lesser chances of contracting strokes in their 50’s than those who do not.
15. Ecosprin
The anti-inflammatory power of Ecosprin tends to reduce blood pressure and emotional anxiety. However, it should only be taken according to the doctor’s prescription.
16. Cherries
The sweet little nubs are miraculous in reducing risks of heart disease. Studies conducted show that the anthocyanine pigment, responsible for lending colour to cherries, is also a key ingredient aiding uric acid reduction. An excess of uric acid in blood will eventually lead to cardiac arrest. Consuming a handful of cherries, whether whole, dried or juiced, will ensure a healthy heart for a long time.
17. Beans
Beans contain good quantities of folic acid and are downright essential for maintaining the fluidity of blood, without which it is impossible to ensure cardiovascular wellness. Consuming a cup of beans every day will provide you with all the essential nutrients you need to keep your heart healthy.
18. Oranges
Oranges, one of the richest sources of Vitamin C, lower cholesterol levels and clear arterial blockages. Oranges are versatile fruits, which can be consumed whole or made into juices. Eat an orange every day to reap benefits of good health.
19. Skip Aerated Beverages
Aerated drinks only provide a host of empty calories to the body, while upping sugar levels in the blood. These commercial drinks are responsible for obesity and heart ailments. Opting for water or fruit juices instead, will minimize risks of heart damage.
20. Water
Proper hydration maintains blood fluidity and reduces chances of internal coagulation. Drinking 2.5 litres of water daily will flush the toxins from the system and optimize cholesterol levels.
21. Ginger
Inflammation is one of the many causes of cardiac arrest. Thus, including anti-inflammatory supplements is paramount in keeping vascular infections at bay.
22. Bladder Control
Recent studies have displayed that men exercising great bladder control are more prone to cardiac arrests than men who relieve themselves at the slightest urge. An overloaded bladder induces faster palpitations and causes the arteries to contract, thereby resulting in fatal strokes. Timely urination, thus, will not only preserve the heart, but will also reduce chances of prostrate troubles in the future.
23. Regular Vacations
All work and no play not only make Jack dull, but also make him prone to cardiac arrests. Studies have shown that people taking regular vacations from their strenuous work-life have lesser chances of heart ailments, than people working continuously for months, at a stretch.
24. Heart Rate Variability
HRV is the heart’s ability to respond to various activities and situations. Hotter climates and overexposure to pollution has been one of the prime factors in its rampant increase. Living in artificially cooled and germ-free environments helps reduce the chances of overworking the heart.
25. Multivitamin Supplements
Due to a compelling work-life, it is not always possible to maintain a healthy diet. Taking dietary supplements thus, makes up for all impending nutrient losses. Ask your doctor to prescribe multivitamins for you to take on a daily basis. This will strengthen your immunity, maintain proper vascular viability and keep your overall health in good shape.
26. Stress Management
Stress is the ultimate deterrent to achieving proper heart health. Stress creates a hormonal influx, elevates the heart rate and in doing so, causes the heart to pump at a rate beyond its capacity. Not only does this weaken the heart in the long run, but also makes one susceptible to cardiac arrests. Doing away with stress will increase your resistance to heart ailments.
27. No Smoking
One cannot emphasise on the disadvantages of smoking enough. Studies show that regular smokers have 25% more chances of suffering a stroke by their 50’s than non-smokers. Thus, by quitting, one can lead a healthy life.
28. Diabetes Check
Diabetic patients, due to their high insulin resistance, run the risks of quickly developing heart ailments. Keeping a regular check on blood sugar-levels will be an excellent way to keep the circulatory system in a healthy condition. With proper diet and medication, the effects of diabetes can be kept in check.
29. Depression
Depression is one of the prime psychological reasons behind increased susceptibility of strokes. The depressed have shown marked reduction in oxytocin and serotonin production, which in the long run have resulted in poor circulatory health. With proper counselling and psychiatric aid, one can escape the risks of fatal strokes.
30. Regular Cholesterol Check-ups
Annual cholesterol-level checkups are essential to monitor any semblance of cardiac damage. This will help in diagnosing the correct dosage, diet and exercise required, to bring the body back to health.
By following the above-mentioned steps, you will never run the risk of heart attacks.
Sunday, September 2, 2012
How to be a responsible co-borrower on a housing loan
– Fri, Aug 17, 2012 10:41 AM PHT
By Mike Aquino for Yahoo! Southeast Asia
Serving as a co-borrower on a housing loan can be an awesome good deed, but it also puts you at some risk. For every responsible relative who deserves your help in securing a bigger loan, you’ll find plenty of others who run the risk of defaulting, leaving you to carry the bag.
What exactly does it mean to be a co-borrower on a loan? It means you’re lending your own good credit—you, along with the main borrower, become just as responsible for the payment of the loan, even if you’re not shelling out any money. If the main borrower fails to meet his payment obligations, the lender can go after you instead. If it all goes wrong, your net worth will take a hit, not to mention your credit standing.
So before you sign on the dotted line…
1. Know who you’re signing for. Co-signing on a housing loan is not the same thing as providing a character reference. As a co-borrower, you can be found jointly and severely liable for the loan; you assume the duty of paying off the loan if the main borrower fails to hold his end up of the deal. So don’t take the obligation lightly.
Make sure the person you’re co-signing for can be trusted to pay off the loan. Be realistic about the person’s capacity to pay. If you have your doubts, proceed only if you have the financial muscle to assume the balance the borrower may eventually default on.
Chances are, you are a close relative of the main borrower: for major commitments like housing loans, “some lenders are wary of those who co-sign, allowing only parents and close relatives to co-sign,” notes Armando Ang, author of Tips and Traps When Buying or Building a Home. “If the cosigner is one of those big-time businessmen, there should be no problem with the credit investigation.”
2. Try to limit your liability. Don’t risk your financial position any more than you need to. If you can manage it, ask the bank to limit your responsibility to part of the loan—maybe you can co-sign on just the principal, not the whole thing.
Check with your lawyer to see how little of yourself you can leave exposed to risk. That may be easier said than done—“some lenders may insist that co-signers also appear as co-owners during the duration of the mortgage,” reminds Ang. Ask your attorney about the implications of your decision, and don’t forget to collect copies of all the vital paperwork.
3. Hope for the best, prepare for the worst. Ask yourself: in the worst case scenario, are you financially prepared to assume responsibility for your relative’s debt? Talk with your lawyer, and draw up plans that you can put into effect in case the borrower defaults.
Once the loan has been approved, keep tabs on the borrower. Insist on monthly updates. Ask for statements, receipts or other evidence that show how the borrower is meeting their obligations. For instance, you might request a duplicate of the monthly statement, or request online access to track payments. Do not lose contact with the principal, and be proactive if the principal shows signs of being unable to do their duty.
Being a co-borrower on a housing loan is tricky—it leaves you with few benefits, but plenty of obligations. For older, more stable relatives trying to give their younger kin a step up in life, being a co-borrower can be its own reward, particularly if the borrower finishes the loan term without risking you or your credit standing. Just do your due diligence so that good deed doesn’t risk your bottom line any more than necessary!
– Fri, Aug 17, 2012 10:41 AM PHT
By Mike Aquino for Yahoo! Southeast Asia
Serving as a co-borrower on a housing loan can be an awesome good deed, but it also puts you at some risk. For every responsible relative who deserves your help in securing a bigger loan, you’ll find plenty of others who run the risk of defaulting, leaving you to carry the bag.
What exactly does it mean to be a co-borrower on a loan? It means you’re lending your own good credit—you, along with the main borrower, become just as responsible for the payment of the loan, even if you’re not shelling out any money. If the main borrower fails to meet his payment obligations, the lender can go after you instead. If it all goes wrong, your net worth will take a hit, not to mention your credit standing.
So before you sign on the dotted line…
1. Know who you’re signing for. Co-signing on a housing loan is not the same thing as providing a character reference. As a co-borrower, you can be found jointly and severely liable for the loan; you assume the duty of paying off the loan if the main borrower fails to hold his end up of the deal. So don’t take the obligation lightly.
Make sure the person you’re co-signing for can be trusted to pay off the loan. Be realistic about the person’s capacity to pay. If you have your doubts, proceed only if you have the financial muscle to assume the balance the borrower may eventually default on.
Chances are, you are a close relative of the main borrower: for major commitments like housing loans, “some lenders are wary of those who co-sign, allowing only parents and close relatives to co-sign,” notes Armando Ang, author of Tips and Traps When Buying or Building a Home. “If the cosigner is one of those big-time businessmen, there should be no problem with the credit investigation.”
2. Try to limit your liability. Don’t risk your financial position any more than you need to. If you can manage it, ask the bank to limit your responsibility to part of the loan—maybe you can co-sign on just the principal, not the whole thing.
Check with your lawyer to see how little of yourself you can leave exposed to risk. That may be easier said than done—“some lenders may insist that co-signers also appear as co-owners during the duration of the mortgage,” reminds Ang. Ask your attorney about the implications of your decision, and don’t forget to collect copies of all the vital paperwork.
3. Hope for the best, prepare for the worst. Ask yourself: in the worst case scenario, are you financially prepared to assume responsibility for your relative’s debt? Talk with your lawyer, and draw up plans that you can put into effect in case the borrower defaults.
Once the loan has been approved, keep tabs on the borrower. Insist on monthly updates. Ask for statements, receipts or other evidence that show how the borrower is meeting their obligations. For instance, you might request a duplicate of the monthly statement, or request online access to track payments. Do not lose contact with the principal, and be proactive if the principal shows signs of being unable to do their duty.
Being a co-borrower on a housing loan is tricky—it leaves you with few benefits, but plenty of obligations. For older, more stable relatives trying to give their younger kin a step up in life, being a co-borrower can be its own reward, particularly if the borrower finishes the loan term without risking you or your credit standing. Just do your due diligence so that good deed doesn’t risk your bottom line any more than necessary!
Cut Car Repair Costs!
Fri, Aug 31, 2012 11:10 AM EDT
Although you'd rather use your money on more interesting things, you're likely to spend a huge chunk of change maintaining and repairing your car. According to the American Automobile Association (AAA), it now costs nearly $9,000 a year to drive an average-size sedan. And if you own a four-wheel-drive SUV, your annual expenses are more than $11,000. Photo credit: Getty Images
You can't control the roller-coaster costs of gas. And you have only a little wiggle room on insurance fees. But you can save big bucks on car maintenance and repairs. Here's how to keep your car in good running condition-without shelling out too much.
1. Maintain and prevent.
The number-one way to pay less on car repairs is to avoid them in the first place. Keep your ride in prime shape by following the manufacturer's recommended maintenance schedule. You'll find it in your car owner's manual (lost yours? find it on Edmunds.com), and service is usually suggested every 15,000 to 30,000 miles. "But don't go by the recommended list of services a dealer or an auto shop hands you; they may suggest extras you don't need," warns Carroll Lachnit, consumer advice editor for Edmunds.com. Also, change your oil as regularly as the manual mandates, which is probably every 7,500 to 10,000 miles, says Lachnit-and not every 3,000 miles as the quickie-lube type shops may advise.
2. Find a reputable shop and be loyal.
Never pick a repair shop out of the phone book or based on an ad. Ask for recommendations from friends, family or coworkers, advises Jim Houser, co-owner of Hawthorne Auto Clinic in Portland, OR. And once you find a good shop, stay with it. "Shops tend to offer regular customers special money-saving coupons and breaks on repair costs because they know you'll return," he says.
3. Stick with independent shops.
Unless your car is under warranty and you must go to your dealer for service, head to an independent shop. While these smaller outfits charge close to the same as dealers for parts and labor, you'll save because "they won't sell you unnecessary repairs and services," says Houser. Since dealer service managers often work on commission, it benefits them to sell you as many services as possible-whether or not you need them.
4. Get a second opinion.
If a dealer pushes a service or repair that your warranty doesn't cover, ask another dealer for their take, suggests Pam Oakes, owner of Pam's Motor City Automotive, in Fort Myers, FL. If you bring your car to an independent repair shop, get a second opinion for any fix over a few hundred dollars. Try another independent shop that specializes in your car's model or a chain like Honest 1 or Meineke if friends or family have recommended them. Even if you have to pay to get the car towed to the second shop, it's worth it, says Oakes. "You could save $1,000 or more if you don't need the suggested repair or learn there's a cheaper workaround," she says.
5. Do your homework and ask educated questions.
Look online for basic info about your car's problem or suggested repair. You could save money because you may learn which repairs are required and which are just suggested. Then, prepare your questions. "The shop's staff will respect you for being a good researcher and consumer," says Oakes. A reputable shop should be willing to explain in lay language-and even show you-what's going on with your car. If the owner or mechanic is annoyed by your questions or talks over your head, he or she may be trying to intimidate you, sell you unnecessary services or overcharge you. Find a new shop, pronto.
6. Know average charges for repairs.
Websites like RepairPal.com and AutoMD.com offer estimates for common repairs to your make of car in your part of the country. Not sure what's wrong with your ride? You may be able to take a diagnostic quiz to pinpoint the problem. And then you'll get a rough idea of what repairs should cost so you're sure you're getting a fair price.
7. Pay attention to warnings your car gives you.
They're your vehicle's way of telling you it needs some TLC. Ignoring those signals puts you at risk for doing major, expensive damage. So if your check-engine light comes on, get it evaluated at a reputable shop within a few days. If that light flashes, don't drive at all-get your car towed instead. If your oil light comes on, immediately call for a tow. Hearing an odd sound? Take the car in, suggests Lachnit. If it's a simple fix, you'll get it taken care of before it morphs into a more expensive repair.
8. Become a DIY-er.
You don't need to be that handy to change your windshield wiper blades, swap out your air filter or put air in your tires, but doing these yourself can save you money. For instance, oil-change shops charge $29 to $60 to replace an air filter, but Lachnit says you can buy one for less than $15 and install it in five minutes. If you're hesitant about making any of these fixes, ask your favorite mechanic for a few pointers after you've developed a good rapport with him or her.
9. Baby your car.
Have your vehicle thoroughly washed and detailed every few months. It may sound silly, but Oakes says car owners tend to drive more gently and get repairs faster if their ride looks nice. A good-looking car also discourages fellow drivers from casually dinging your door in the parking lot. Likewise, be picky about where you park-even if you have to walk a bit farther to your destination-so you avoid careless drivers and scratchy bushes that may send you to the body shop.
10. Get a check-up before you travel.
Have your mechanic top off your car's fluids and inspect the tires in advance of a trip. After all, you don't want your car to break down in an unfamiliar place and be towed to a mechanic you don't know if you can trust. According to Oakes, anytime you end up in a shop you haven't researched-or in an emergency situation when you can't compare repair prices-you risk spending more than necessary and getting shoddy service.
Fri, Aug 31, 2012 11:10 AM EDT
Although you'd rather use your money on more interesting things, you're likely to spend a huge chunk of change maintaining and repairing your car. According to the American Automobile Association (AAA), it now costs nearly $9,000 a year to drive an average-size sedan. And if you own a four-wheel-drive SUV, your annual expenses are more than $11,000. Photo credit: Getty Images
You can't control the roller-coaster costs of gas. And you have only a little wiggle room on insurance fees. But you can save big bucks on car maintenance and repairs. Here's how to keep your car in good running condition-without shelling out too much.
1. Maintain and prevent.
The number-one way to pay less on car repairs is to avoid them in the first place. Keep your ride in prime shape by following the manufacturer's recommended maintenance schedule. You'll find it in your car owner's manual (lost yours? find it on Edmunds.com), and service is usually suggested every 15,000 to 30,000 miles. "But don't go by the recommended list of services a dealer or an auto shop hands you; they may suggest extras you don't need," warns Carroll Lachnit, consumer advice editor for Edmunds.com. Also, change your oil as regularly as the manual mandates, which is probably every 7,500 to 10,000 miles, says Lachnit-and not every 3,000 miles as the quickie-lube type shops may advise.
2. Find a reputable shop and be loyal.
Never pick a repair shop out of the phone book or based on an ad. Ask for recommendations from friends, family or coworkers, advises Jim Houser, co-owner of Hawthorne Auto Clinic in Portland, OR. And once you find a good shop, stay with it. "Shops tend to offer regular customers special money-saving coupons and breaks on repair costs because they know you'll return," he says.
3. Stick with independent shops.
Unless your car is under warranty and you must go to your dealer for service, head to an independent shop. While these smaller outfits charge close to the same as dealers for parts and labor, you'll save because "they won't sell you unnecessary repairs and services," says Houser. Since dealer service managers often work on commission, it benefits them to sell you as many services as possible-whether or not you need them.
4. Get a second opinion.
If a dealer pushes a service or repair that your warranty doesn't cover, ask another dealer for their take, suggests Pam Oakes, owner of Pam's Motor City Automotive, in Fort Myers, FL. If you bring your car to an independent repair shop, get a second opinion for any fix over a few hundred dollars. Try another independent shop that specializes in your car's model or a chain like Honest 1 or Meineke if friends or family have recommended them. Even if you have to pay to get the car towed to the second shop, it's worth it, says Oakes. "You could save $1,000 or more if you don't need the suggested repair or learn there's a cheaper workaround," she says.
5. Do your homework and ask educated questions.
Look online for basic info about your car's problem or suggested repair. You could save money because you may learn which repairs are required and which are just suggested. Then, prepare your questions. "The shop's staff will respect you for being a good researcher and consumer," says Oakes. A reputable shop should be willing to explain in lay language-and even show you-what's going on with your car. If the owner or mechanic is annoyed by your questions or talks over your head, he or she may be trying to intimidate you, sell you unnecessary services or overcharge you. Find a new shop, pronto.
6. Know average charges for repairs.
Websites like RepairPal.com and AutoMD.com offer estimates for common repairs to your make of car in your part of the country. Not sure what's wrong with your ride? You may be able to take a diagnostic quiz to pinpoint the problem. And then you'll get a rough idea of what repairs should cost so you're sure you're getting a fair price.
7. Pay attention to warnings your car gives you.
They're your vehicle's way of telling you it needs some TLC. Ignoring those signals puts you at risk for doing major, expensive damage. So if your check-engine light comes on, get it evaluated at a reputable shop within a few days. If that light flashes, don't drive at all-get your car towed instead. If your oil light comes on, immediately call for a tow. Hearing an odd sound? Take the car in, suggests Lachnit. If it's a simple fix, you'll get it taken care of before it morphs into a more expensive repair.
8. Become a DIY-er.
You don't need to be that handy to change your windshield wiper blades, swap out your air filter or put air in your tires, but doing these yourself can save you money. For instance, oil-change shops charge $29 to $60 to replace an air filter, but Lachnit says you can buy one for less than $15 and install it in five minutes. If you're hesitant about making any of these fixes, ask your favorite mechanic for a few pointers after you've developed a good rapport with him or her.
9. Baby your car.
Have your vehicle thoroughly washed and detailed every few months. It may sound silly, but Oakes says car owners tend to drive more gently and get repairs faster if their ride looks nice. A good-looking car also discourages fellow drivers from casually dinging your door in the parking lot. Likewise, be picky about where you park-even if you have to walk a bit farther to your destination-so you avoid careless drivers and scratchy bushes that may send you to the body shop.
10. Get a check-up before you travel.
Have your mechanic top off your car's fluids and inspect the tires in advance of a trip. After all, you don't want your car to break down in an unfamiliar place and be towed to a mechanic you don't know if you can trust. According to Oakes, anytime you end up in a shop you haven't researched-or in an emergency situation when you can't compare repair prices-you risk spending more than necessary and getting shoddy service.
"Raindrops Keep Fallin'" songwriter Hal David dies at 91
LOS ANGELES (Reuters) - Hal David, a lyricist who along with composer Burt Bacharach took the pop world by storm in the 1960s with hits such as "Raindrops Keep Fallin' on my Head" and "Walk on By," died in Los Angeles on Saturday at age 91, a representative said.
David died at Cedars-Sinai Medical Center of complications from a stroke, said Jim Steinblatt, spokesman for the American Society of Composers, Authors and Publishers, or ASCAP.
Earlier this year, David and Bacharach received the Gershwin Prize for Popular Song from the Library of Congress, during a White House musical tribute.
David, a native of Brooklyn, New York, began his songwriting career in the late 1940s by collaborating with writers he had met at Manhattan's famed Brill Building, which at the time was the center of the pop industry.
He started working with Bacharach in the late 1950s and their songs were recorded by such artists as Frank Sinatra, Marty Robbins, Tom Jones and Barbra Streisand.
The singer most associated with the songwriting duo is Dionne Warwick, who rose to fame by scoring a number of Top 10 hits in the 1960s with material from David and Bacharach.
Bacharach's and David's song "Raindrops Keep Fallin' on my Head" was written for the 1969 movie "Butch Cassidy and the Sundance Kid" and won the Academy Award for Best Song.
They also won a Grammy in 1969 for best score from an original cast show album for their Broadway musical "Promises, Promises," which included the song "I'll Never Fall In Love Again." The play returned to Broadway in 2010 starring Kristin Chenoweth and Sean Hayes.
The songwriting duo's other hits included "What the World Needs Now Is Love," "I Say a Little Prayer," "Do You Know the Way to San Jose," and "(They Long to Be) Close to You," which is best known from a version by the Carpenters.
David and Bacharach parted ways in the early 1970s. David went on to work with other composers. With Albert Hammond, he wrote the hit "To All the Girls I've Loved Before."
Eunice David, the songwriter's widow, who married him in 1988, said she used to watch him sit in an old rocking chair and write on a legal pad.
"All of a sudden, I'd look up and there it was filled with lyrics," she told Reuters. "It never ceased to amaze me how that happened."
Songwriter Paul Williams, president and chairman of ASCAP, said in a statement that David was "simple, concise and poetic."
"It is no wonder that so many of his lyrics have become part of our everyday vocabulary and his songs ... the backdrop of our lives," Williams said.
David served as president of ASCAP from 1980 to 1986.
His parents were immigrants from Austria. His older brother, Mack David also achieved success by composing or co-writing a number of songs, including the 1944 "Candy" and the English version of Edith Piaf's "La Vie En Rose."
David is survived by his wife, sons Jim and Craig, three grandchildren and two stepsons.
"Raindrops Keep Fallin'" songwriter Hal David dies at 91
By Alex Dobuzinskis | Reuters – 5 hrs ago
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Lyricist Hal David (R) and composer Burt Bacharach pose after receiving the Grammy Trustee Award in 1997, in this undated handout photo. REUTERS/Courtesy Hal David/Library of Congress/HandoutEnlarge Photo
Lyricist Hal David (R) and composer …
LOS ANGELES (Reuters) - Hal David, a lyricist who along with composer Burt Bacharach took the pop world by storm in the 1960s with hits such as "Raindrops Keep Fallin' on my Head" and "Walk on By," died in Los Angeles on Saturday at age 91, a representative said.
David died at Cedars-Sinai Medical Center of complications from a stroke, said Jim Steinblatt, spokesman for the American Society of Composers, Authors and Publishers, or ASCAP.
Earlier this year, David and Bacharach received the Gershwin Prize for Popular Song from the Library of Congress, during a White House musical tribute.
David, a native of Brooklyn, New York, began his songwriting career in the late 1940s by collaborating with writers he had met at Manhattan's famed Brill Building, which at the time was the center of the pop industry.
He started working with Bacharach in the late 1950s and their songs were recorded by such artists as Frank Sinatra, Marty Robbins, Tom Jones and Barbra Streisand.
The singer most associated with the songwriting duo is Dionne Warwick, who rose to fame by scoring a number of Top 10 hits in the 1960s with material from David and Bacharach.
Bacharach's and David's song "Raindrops Keep Fallin' on my Head" was written for the 1969 movie "Butch Cassidy and the Sundance Kid" and won the Academy Award for Best Song.
They also won a Grammy in 1969 for best score from an original cast show album for their Broadway musical "Promises, Promises," which included the song "I'll Never Fall In Love Again." The play returned to Broadway in 2010 starring Kristin Chenoweth and Sean Hayes.
The songwriting duo's other hits included "What the World Needs Now Is Love," "I Say a Little Prayer," "Do You Know the Way to San Jose," and "(They Long to Be) Close to You," which is best known from a version by the Carpenters.
David and Bacharach parted ways in the early 1970s. David went on to work with other composers. With Albert Hammond, he wrote the hit "To All the Girls I've Loved Before."
Eunice David, the songwriter's widow, who married him in 1988, said she used to watch him sit in an old rocking chair and write on a legal pad.
"All of a sudden, I'd look up and there it was filled with lyrics," she told Reuters. "It never ceased to amaze me how that happened."
Songwriter Paul Williams, president and chairman of ASCAP, said in a statement that David was "simple, concise and poetic."
"It is no wonder that so many of his lyrics have become part of our everyday vocabulary and his songs ... the backdrop of our lives," Williams said.
David served as president of ASCAP from 1980 to 1986.
His parents were immigrants from Austria. His older brother, Mack David also achieved success by composing or co-writing a number of songs, including the 1944 "Candy" and the English version of Edith Piaf's "La Vie En Rose."
David is survived by his wife, sons Jim and Craig, three grandchildren and two stepsons.
LOS ANGELES (Reuters) - Hal David, a lyricist who along with composer Burt Bacharach took the pop world by storm in the 1960s with hits such as "Raindrops Keep Fallin' on my Head" and "Walk on By," died in Los Angeles on Saturday at age 91, a representative said.
David died at Cedars-Sinai Medical Center of complications from a stroke, said Jim Steinblatt, spokesman for the American Society of Composers, Authors and Publishers, or ASCAP.
Earlier this year, David and Bacharach received the Gershwin Prize for Popular Song from the Library of Congress, during a White House musical tribute.
David, a native of Brooklyn, New York, began his songwriting career in the late 1940s by collaborating with writers he had met at Manhattan's famed Brill Building, which at the time was the center of the pop industry.
He started working with Bacharach in the late 1950s and their songs were recorded by such artists as Frank Sinatra, Marty Robbins, Tom Jones and Barbra Streisand.
The singer most associated with the songwriting duo is Dionne Warwick, who rose to fame by scoring a number of Top 10 hits in the 1960s with material from David and Bacharach.
Bacharach's and David's song "Raindrops Keep Fallin' on my Head" was written for the 1969 movie "Butch Cassidy and the Sundance Kid" and won the Academy Award for Best Song.
They also won a Grammy in 1969 for best score from an original cast show album for their Broadway musical "Promises, Promises," which included the song "I'll Never Fall In Love Again." The play returned to Broadway in 2010 starring Kristin Chenoweth and Sean Hayes.
The songwriting duo's other hits included "What the World Needs Now Is Love," "I Say a Little Prayer," "Do You Know the Way to San Jose," and "(They Long to Be) Close to You," which is best known from a version by the Carpenters.
David and Bacharach parted ways in the early 1970s. David went on to work with other composers. With Albert Hammond, he wrote the hit "To All the Girls I've Loved Before."
Eunice David, the songwriter's widow, who married him in 1988, said she used to watch him sit in an old rocking chair and write on a legal pad.
"All of a sudden, I'd look up and there it was filled with lyrics," she told Reuters. "It never ceased to amaze me how that happened."
Songwriter Paul Williams, president and chairman of ASCAP, said in a statement that David was "simple, concise and poetic."
"It is no wonder that so many of his lyrics have become part of our everyday vocabulary and his songs ... the backdrop of our lives," Williams said.
David served as president of ASCAP from 1980 to 1986.
His parents were immigrants from Austria. His older brother, Mack David also achieved success by composing or co-writing a number of songs, including the 1944 "Candy" and the English version of Edith Piaf's "La Vie En Rose."
David is survived by his wife, sons Jim and Craig, three grandchildren and two stepsons.
"Raindrops Keep Fallin'" songwriter Hal David dies at 91
By Alex Dobuzinskis | Reuters – 5 hrs ago
Related Content
Lyricist Hal David (R) and composer Burt Bacharach pose after receiving the Grammy Trustee Award in 1997, in this undated handout photo. REUTERS/Courtesy Hal David/Library of Congress/HandoutEnlarge Photo
Lyricist Hal David (R) and composer …
LOS ANGELES (Reuters) - Hal David, a lyricist who along with composer Burt Bacharach took the pop world by storm in the 1960s with hits such as "Raindrops Keep Fallin' on my Head" and "Walk on By," died in Los Angeles on Saturday at age 91, a representative said.
David died at Cedars-Sinai Medical Center of complications from a stroke, said Jim Steinblatt, spokesman for the American Society of Composers, Authors and Publishers, or ASCAP.
Earlier this year, David and Bacharach received the Gershwin Prize for Popular Song from the Library of Congress, during a White House musical tribute.
David, a native of Brooklyn, New York, began his songwriting career in the late 1940s by collaborating with writers he had met at Manhattan's famed Brill Building, which at the time was the center of the pop industry.
He started working with Bacharach in the late 1950s and their songs were recorded by such artists as Frank Sinatra, Marty Robbins, Tom Jones and Barbra Streisand.
The singer most associated with the songwriting duo is Dionne Warwick, who rose to fame by scoring a number of Top 10 hits in the 1960s with material from David and Bacharach.
Bacharach's and David's song "Raindrops Keep Fallin' on my Head" was written for the 1969 movie "Butch Cassidy and the Sundance Kid" and won the Academy Award for Best Song.
They also won a Grammy in 1969 for best score from an original cast show album for their Broadway musical "Promises, Promises," which included the song "I'll Never Fall In Love Again." The play returned to Broadway in 2010 starring Kristin Chenoweth and Sean Hayes.
The songwriting duo's other hits included "What the World Needs Now Is Love," "I Say a Little Prayer," "Do You Know the Way to San Jose," and "(They Long to Be) Close to You," which is best known from a version by the Carpenters.
David and Bacharach parted ways in the early 1970s. David went on to work with other composers. With Albert Hammond, he wrote the hit "To All the Girls I've Loved Before."
Eunice David, the songwriter's widow, who married him in 1988, said she used to watch him sit in an old rocking chair and write on a legal pad.
"All of a sudden, I'd look up and there it was filled with lyrics," she told Reuters. "It never ceased to amaze me how that happened."
Songwriter Paul Williams, president and chairman of ASCAP, said in a statement that David was "simple, concise and poetic."
"It is no wonder that so many of his lyrics have become part of our everyday vocabulary and his songs ... the backdrop of our lives," Williams said.
David served as president of ASCAP from 1980 to 1986.
His parents were immigrants from Austria. His older brother, Mack David also achieved success by composing or co-writing a number of songs, including the 1944 "Candy" and the English version of Edith Piaf's "La Vie En Rose."
David is survived by his wife, sons Jim and Craig, three grandchildren and two stepsons.
Saturday, September 1, 2012
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8 Words that Most Liars Use
By Cosmopolitan.com | Love + Sex – Fri, Aug 31, 2012 11:09 AM EDT
Liar, liar. Pants on fire.Liar, liar. Pants on fire.Odds are, you and your guy have a great relationship, and the only lies he tells are little fibs. But it's good to know how to spot the signs he could be telling a whopper. Lie detection expert Janine Driver, author of the new book, You Can't Lie to Me, fills us in on the words that give away a liar.
By Korin Miller
"Left"
Sure, sometimes 'left' is the only word you can use in a situation, but there's some kind of drama involved when he uses it in place of another word that will do (think: "I left the bar at six" vs. "I went home at six"). It could be due to his desire to "leave" the lie behind.
"Never"
The big thing to look out for is when he says "never" when "no" will do. It's a sign he's overcompensating. For example, if you ask, "Did you just look at that girl's butt?" and he says, "Never!"
"That"
Like never, it depends on how he uses it. If he puts "that" in front of a noun, like "that woman" or "that money," it's a subconscious attempt for him to distance himself from the word. This is a common trick of manipulators.
"Would"
If he skips "no" and goes straight to "I would never do something like that!" when talking about a past event, be wary. For example, "Are you still talking to your ex?" "I would never do that to you!" "Would never" suggests that he plans to do it in the future.
"Yes, ma'am"
If your guy is a Southern gentleman, then this doesn't apply. But if he suddenly says "ma'am" to you out of nowhere, be cautious. It's a sign that he feels like he's feeling stressed and knows he's in trouble.
"By the way…"
Liars use phrases like this to try to minimize what they say next-but usually it's what's most important to the story. Pay extra attention to what he says afterward.
"But"
Liars usually try to downplay what they say with this word, so pay attention when he says something like, "I know this is going to sound strange, but…" or "I know you think I'm lying, but…"
"Why would I do that?"
It's a favorite stalling line of liars, so they can buy a little time to work out what to say next. These phrases also fit the bill: "What kind of person do you think I am?", "Are you calling me a liar?", and "I knew this was going to happen to me!"
By Cosmopolitan.com | Love + Sex – Fri, Aug 31, 2012 11:09 AM EDT
Liar, liar. Pants on fire.Liar, liar. Pants on fire.Odds are, you and your guy have a great relationship, and the only lies he tells are little fibs. But it's good to know how to spot the signs he could be telling a whopper. Lie detection expert Janine Driver, author of the new book, You Can't Lie to Me, fills us in on the words that give away a liar.
By Korin Miller
"Left"
Sure, sometimes 'left' is the only word you can use in a situation, but there's some kind of drama involved when he uses it in place of another word that will do (think: "I left the bar at six" vs. "I went home at six"). It could be due to his desire to "leave" the lie behind.
"Never"
The big thing to look out for is when he says "never" when "no" will do. It's a sign he's overcompensating. For example, if you ask, "Did you just look at that girl's butt?" and he says, "Never!"
"That"
Like never, it depends on how he uses it. If he puts "that" in front of a noun, like "that woman" or "that money," it's a subconscious attempt for him to distance himself from the word. This is a common trick of manipulators.
"Would"
If he skips "no" and goes straight to "I would never do something like that!" when talking about a past event, be wary. For example, "Are you still talking to your ex?" "I would never do that to you!" "Would never" suggests that he plans to do it in the future.
"Yes, ma'am"
If your guy is a Southern gentleman, then this doesn't apply. But if he suddenly says "ma'am" to you out of nowhere, be cautious. It's a sign that he feels like he's feeling stressed and knows he's in trouble.
"By the way…"
Liars use phrases like this to try to minimize what they say next-but usually it's what's most important to the story. Pay extra attention to what he says afterward.
"But"
Liars usually try to downplay what they say with this word, so pay attention when he says something like, "I know this is going to sound strange, but…" or "I know you think I'm lying, but…"
"Why would I do that?"
It's a favorite stalling line of liars, so they can buy a little time to work out what to say next. These phrases also fit the bill: "What kind of person do you think I am?", "Are you calling me a liar?", and "I knew this was going to happen to me!"
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