Best Prepaid Credit Card Features

The best prepaid credit card is one that allows you to rebuild your credit while helping you to avoid all the extra charges and pit falls of regular credit cards. In today’s economy this is an important and valuable alternative.

It is legitimately argued, that the credit card mess was widely due to people buying things with credit that were way above their means. However, there were also people who were responsible consumers that simply got into trouble due to timing rather than careless spending. Even a day or two late, a computer glitch with an online payment, etc. tacked on an extra thirty-five dollars in late fees plus interest charges. Some card companies even offer convenient online payments, but charge a fee to do that as well. Soon you’ve spent more in fees than you ever spent in merchandise. The best prepaid credit card is the one that helps you avoid all this nonsense.

To find the best prepaid credit card, one must do some responsible research. The Internet can be a great resource for information on prepaid cards. You can also check with your local financial institutions to see if they offer prepaid credit cards. Be sure to ask questions about policies, fees and any possible benefits.

One of these possible benefits should be a credit building program. Since prepaid credit cards are essentially cash secured, really, they are just like a debit card, the best prepaid credit card would eventually allow the cardholder to show good credit management at very low risk to the card issuer and gradually extend non prepaid credit to the cardholder, thereby raising the credit score. As far as fees go, most prepaid cards charge a small fee to open the account, much like a regular bank account, and will generally charge a fee for redepositing money into that account once the initial amount has been used.

Regardless of the benefit, it is still important to choose the best card for the individual and remember to always read the fine print. Be careful to avoid scams and unknown or unfamiliar financial institutions and never allow yourself to reenter the pitfalls that caused the issue in the first place.



Source by Louis Zee

4 Most Important Things to Know About Florida Motor Vehicle Dealer Surety Bonds

When you're considering the start of a new business, such as an auto dealership, there are many different steps you'll need to take, and many different requirements you'll need to meet. When it comes to obtaining your Florida auto dealers license, there are numerous specifics, and one of the most essential will be obtaining the proper Florida dealer bond insurance.

Use this guide to find the 4 most important things to know about Florida motor vehicle dealer surety bonds, to make sure you handle everything you need in the right way.

1. Dealer Bonds Are Always Required:

There are 10 different Florida auto dealers license types according to the Florida Department of Highway Safety and Motor Vehicles, but regardless of which type you have or need, you will need to have Florida dealer bond insurance in place. That requirement remains consistent, however, other factors as described below will differ.

2. Different Amounts:

Depending on the type of license you are operating under, you'll need Florida motor vehicle dealer surety bonds in different amounts. All motor vehicle dealers in the state need a $ 25,000 bond, for example. However, recreational vehicle dealers only need a $ 10,000 surety bond.

Additionally, you'll also have the option to pursue a line of credit in the same amount, as opposed to traditional Florida dealer bond insurance. This is a less common option though and often places more potential burden on the business owner. It may be easier for you to obtain though, depending on credit statuses and so forth.

3. Deadlines and Renewals:

In the state of Florida, motor vehicle dealer surety bonds are set to expire annually. However, different license types will have different expiration dates, so it's important not to make any assumptions.

For example, Independent Dealers, who have a VI license and sell only used vehicles, have an expiration date of April 30. However, Franchise Dealers with VF licensing, who can sell both new and used cars, have a December 31 expiration. Recreational vehicle dealers, both RV and RU licensing, expire on September 30.

These differenting dates are important to keep in mind, because if you miss your renewal date, you can unknowingly be committing a serious crime, and face major consequences. The dates are also different so as to reduce processing time across the year instead of having one major rush.

4. Other Requirements are Necessary:

Florida dealer bond insurance is one of the primary requirements for licensure. However, it's certainly not the only one. You'll also need proper garage liability insurance with the correct established minimums, and you'll need to ensure you file the right HSMV paperwork with the right fees, get a Federal employee ID number, get fingerprinted, undergo pre-licensing training, and more.

Hopefully by now you've learned more about Florida motor vehicle dealer surety bonds, and the different needs and requirements, and varying steps in the process. There's a lot to sort through, but having all the information available upfront will make everything much easier and smoother.



Source by John Rothschild

Car Shopping Tip – Save On Fuel And Get $ 1000 From The Canadian Government

Here is a car shopping tip you do not see everyday. In March 2007 the Canadian Government announced in their budget that a rebate would be available for fuel efficient vehicles, referred to as the ecoAuto Rebate Program.

The idea is to reward those drivers who are trying to help with the environment by driving vehicles that are more fuel efficient. So here is a win / win car buying tip for anyone in the market for a new vehicle, drive a vehicle that is more fuel efficient and then get $ 1000 back for your new car purchase!

If you are in the market for a new car you can follow the link at the end of this article for a list of vehicles that are included under this program. Keep in mind that the 2008 model year vehicles have not been released as of yet, but keep visiting the site and in time the 2008 model year will be included.

The an outline of the ecoAuto Rebate Program is as follows:

The progam is applicable to anyone buying or leasing a vehicle after March 20, 2007 as long as the car you purchased is on the list.

Only cars bought or leased in Canada are eligible for the Program. If you purchased your car in the USA then you are not entitled to the rebate.

Individuals, businesses and organizations can apply under the EcoAuto Rebate Program, again as long as the vehicle bought or leased is on the list of eligible vehicles.

It's a pretty simple process however there is no indication as to how long it will take for you to receive your ecoAuto Rebate, understand however that this rebate comes directly from the Canadian Government it is not associated with the car dealership where you purchase or lease your new vehicle. You can get the forms from the Dealership where you initially purchased our vehicle or again follow the ecoAuto Rebate Program link below for all the information you need!



Source by Dennise Ryder

Safety Signs in Cars

Safety signs are used to provide information on safe driving both for passengers travelling in the car, or as warnings for other vehicles passing the car on the road. They are warning signs intended to avoid or reduce any potential danger while driving. Special colors and shapes have been associated to safety signs in general. RED is used for prohibition. BLUE is used for mandatory actions. GREEN is used for positive action. A TRIANGLE shape is used for warnings. RECTANGLES and SQUARES are used for emergency signs.

For passengers traveling inside the car, safety signs as stated below need to be observed:

· Buckle up for safety – This is an important message, as it has been proved that without using the seat belts many people have suffered serious injuries when involved in an accident.

· No smoking in this vehicle – Smoking in cars can harm other passengers via passive smoking. In most countries smoking in cars has been banned.

· Cell phone free zone – Talking on the cell phone while driving can distract the driver who then becomes oblivious to lurking dangers on the road. So as applicable to smoking, talking on the cell phone while driving is also not allowed.

· Watch your mirror for motorcycles – Two-wheelers have a habit of sneaking up on cars and are known to make sudden turns. So all car drivers should be alert to any two wheelers on the road.

· No speeding – Some drivers love to speed. While this may prove exhilarating for the driver, it could lead to an accident. Excessive speed when driving does not give the driver enough time to break in the face of potential danger. Here driving at impossible speeds is recommended.

· Get off my back – do not tailgate . Such warning signs are used when a new driver is at the wheel. Other drivers on the road need to realize that the driver is a novice and should not pressurize the driver by honking and driving bumper to bumper. In the case of a first-time driver an 'L' plate is also prominently fixed on the car so other vehicles provide the necessary courtesies.

· How's my driving – call . This sign is used when a vehicle belongs to a company and is in the hands of a driver employee. The company management would like their vehicle to observe all proper driving rules, especially on speed and overtaking. To ensure that the driver obeys such rules, this sign is put in the car, so any other vehicle on the road noticing the driver over-stepping, can call in a complain.

· Fire extinguisher – This sign is displayed to inform the car inmates that a mini fire extinguisher is stored in the car. In case of a fire, the extinguisher can be quickly accessed.

· Disabled sign – When a handicapped person is driving or present as a passenger in the car, a special disabled sign is displayed on the windshield. This sign also helps other drivers on the road to give the car special road driving courtesies.

If the above warning signs are fixed inside vehicles, and both people in the car as well as other drivers on the road observe them, many potential risks and dangers can be avoided.



Source by John A Denver

Tips for Choosing the Right Auto Repair Services for Your Vehicle

If you are concerned about the poor show of your car lately, it is time to get it serviced at a dependable auto repair services shop. Automotive repair is a habitual maintenance practice procedure which is necessary for longer lifespan of any automobile. It is also a huge expense and with the increasing age of the automobile, the repairs requirements also increase. There are different options for auto repair in every place but selecting one depends on the category of vehicle owned as well as the closeness of the repair shop to your place.

Car repair is also reliant on seasons. For example, during the summer season, the engine has to be taken care of, specially if you are making plans to go for a road trip. Going in for a full service auto repair is a good decision to undertake in such a state to avert any problems during the trip. All car owners should also be conscious of certain small problems connected to their vehicle which can be effortlessly fixed by themselves whenever required.

It is sensible to start finding an auto repair shop when you buy a car as one never can say when the need might be there. Here are some tips to find steadfast auto repair services:

• One of the finest and most trustworthy options of getting an auto repair services is by asking friends and colleagues for such places. If they have the knowledge of getting first-class service frequently, it can be a great selection to choose.

• The auto repair shop must have qualified experts to undertake the repair and maintenance with no difficulty. A testimony of high quality is the relationship of the repair shop with AA, NAPA Autocare, ASP or Parts Plus. This organization makes sure that the repair shop has been subjected to high scrutiny of service and also has many satisfied clients.

• The ambiance of a repair shop is also vital. One can also take response from customers at the shop about the service given by the professionals and how content they are.

• Check out if the shop has professionals with certification like ASP, Delco or certification from manufacturers like Toyota, Ford, and GM. This shows how good they are in their job and service provided. This also indicated that they are acquainted with the new technology which is actually a sign of brilliance.

• Also, it is not essential that a bigger repair shop will be superior than a smaller one. Always search for prices in every shop you find out about because prices are usually close in any area.

• Look for newest equipments in the repair shop. Without a well equipped shop, complete repair cannot be given. This is even more essential if you own the most recent model of car.

Maintenance and auto repair services are very vital for any car. Although they may be tricky to pay at times, they are priceless when it comes to keeping the good health of your vehicle.



Source by Lason Frazier