Little Steps Can Add Up To Big Savings At The Pump

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Everyone is looking for ways to reduce “gas pains” from high fuels costs. There are some easy things you can do to put yourself on the road to gas economy.

Little Steps Can Add Up To Big Savings At The Pump

Everyone is looking for ways to reduce “gas pains” from high fuel costs. There are some easy things you can do to put yourself on the road to gas economy.

• Light on the Pedal-Ease on the accelerator when you start from a red light. Your car will run leaner and won’t use as much gas. On the highway, run about five miles under the posted speed limit to save.

• Crank the A/C-It used to be true that not using the air-conditioning (A/C) in warmer months would save on fuel economy. That’s not true anymore. With the aerodynamics of today’s vehicles, by turning off the A/C the resistance created by the wind causes more drag on the vehicle when the windows are rolled down.

• Use the Right Fuel-Never use a higher octane gasoline than your engine needs. It’s like trying to put 16 ounces of fluid into a 12 ounce glass. Use the right octane and you can save about a dime or more per gallon at each fill-up.

• Keep Up the Pressure-Make sure you have the correct pressure in each of your tires. With too little air in the tires, the friction that it takes to roll the car is much greater, thus reducing fuel economy.

• Keep It Clean-Keep your engine clean of debris by changing its oil and fuel filter.

• Get It In Gear-Most modern transmissions are electronically operated by controllers. Transmission fluid that’s broken down may keep your car from going into its highest gear. Have the transmission fluid changed in the 36,000 to 50,000 mile range.

• Stir It Up-There are lots of different gadgets on the market that claim to increase fuel economy. In all of our testing, we have virtually found no improvement in anything, with one exception. It is a device called Tornado that’s put into the air intake, closest to the throttle plate, and stimulates the air to get it really turbulent. That causes a good fuel atomization within the engine itself that caused an increase in fuel economy in the applications we tested by an average of one to two miles per gallon.

With gas prices over $2 and approaching the $3 mark, if you can save one or two miles per gallon every time you fill up, that can translate to about $300 or $400 of savings per year under normal driving conditions. I think everybody’s interested in that.

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Bad Credit Loans: Offers Financial Help Irrespective of Bad Credit Record

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Bad credit loans offer finances which in turn stabilize the borrower’s financial condition to a great extent. These loans are offered in secured and unsecured form. To acquire low rates on the loans borrower can employ the services of online mode.

Personal Loans, Unsecured Payday Loans, Payday Loans, Fast cash, Bad Credit Unsecured Loans

How are you going to survive when all the financial help are shut, just because of a poor credit record? Generally borrowers with poor credit such as CCJs, IVA, etc are not favoured by the lenders. So, availing financial help becomes very much difficult for the individuals. Although now you can take respite from the fact that lenders in the financial market are now offering Bad Credit Loans.

Bad credit loans offer finances which can be used for a number of purposes. With the help of finances obtained, you can go for renovation of home, purchasing a car, financing education, going for family vacation, wedding any many more. In fact you can use the amount to pay off all the existing debts and in turn improve the credit score.

These loans are available in the financial market in the classical format of secured and unsecured form. Secured form of the loans can be availed if and only if you are ready to pledge any valuable asset such as home, real estate etc as security. Based on the equity value of collateral placed lenders approve the amount which is usually in the range of

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Trading Systems for Metastock

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Technical analysis has been developing dynamically for the last years. It has evolved to a large extent from a kind of art and psychology knowledge to the pure science. The trading systems for Metastock and other programs, which enable testing your own trading strategies, have started to be of great importance.

Metastock, trading systems

Trading systems for Metastock usually use indicators and oscillators known from the technical analysis. Apart form simple systems which are based on one or two indicators, there are also many complex platforms that are able to adapt themselves to the current market conditions. They recognize whether there is a trend or consolidation and choose the most suitable strategy.
Metastock trading systems enable testing your individual trading ideas based on historical data which makes it easier to take decisions on their future use. Although creating and testing the Metastock trading systems is usually time-consuming and requires considerable expertise, it brings profits in the long term. To earn high profits you should combine particular tools of technical analysis into one coherent and logic integrity. While building a Metastock trading system you need to make sure it is logic and coherent, not only thinking of the possible profits it could bring you based on historic data. First of all you should define the operating conditions of the system, when it should be unbeaten and when it might fail. This will let you check if the eventual losses result from the error in the strategy itself or it is due to particular market conditions. When the system is built randomly with accidental indicators and oscillators selection, it often generates profits only in the case of the historical data but in the real market conditions it brings losses. The parameters of trading systems are usually being matched to the historical data by optimization. It consists of choosing such indicators that would bring the highest profit in the testing period. Different values of parameters are checked for each indicator or oscillator and then the possible profit that would have been reported is being calculated. The next step includes combining the outcomes and choosing the most profitable parameters. There is a risk of over-optimizing the system. That means that the values of tested indicators failed to match the historical data without logic and cohesion of the strategy.
After understanding the general idea of the trading system and defining the rules of entering and exiting the market there comes a testing process. Thanks to the programs such as Metastock or TradeStation it is possible to make thousands of tests in order to choose the best parameters of the indicators. It is possible if you follow several rules. In both of them setting the value of indicators lies at the end. They are usually connected with generally accepted value or with the ones selected in the optimization process. Both ways have their own advantages and disadvantages but none of them should be rejected beforehand. The selection of the parameters for indicators should be considered according to the philosophy of the entire system and its tools. At the same time however, taking into account the accepted assumptions, the decision about their precise value shall proceed to a larger extent by optimization.
The second most important issue, apart from optimizing parameters of the metastock trading system, is evaluating its efficiency. In order to do it you can use various statistics such as the proportion of the profitable transactions to the lost ones, comparison of the average transaction profit to the highest loss or average profit of profitable transaction to the transaction at a loss. Safety of the system is also defined by a proportion of total profit from all transactions to total loses from all transactions. The analysis of the capital curve is also a useful tool. It brings a lot of precious advice. Thanks to the capital curve you can easily find out whether the profit, which the system brings you, has risen evenly or it was the result of the one very profitable transaction. You will also know how often and how strong the changes of the capital are etc. By comparing the capital curve with the quotation, you can easily notice the moments when the system fails or define whether the system is better during strong trends or during horizontal movements.
Evaluation of the Metastock trading system efficiency is not a simple task. At the beginning you can get the wrong impression that the best system is the one that brings the highest profit. But the truth is much more complicated. Although in a final reckoning the rate of return from invested capital is always important, you should remember that system is tested based on historical data which usually are matched to the value of parameters. It means that a good result which was achieved in the last year doesn’t necessarily have to be repeated in the next period. That is why first of all we should take into account the safety of the system and as the second thing its profitability.

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401(k) Participants Turn to Pros For Help Managing Their Money

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You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

401(k) Participants Turn to Pros For Help Managing Their Money

You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.

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Balance Transfer – This card is not like the other

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How to use a credit card balance transfer to suits some of your needs and save some money.

Balance transfers, balance transfer, APR, teaser rate,

As another way to get your business, many card issuers offer balance transfers. This can give you some leverage as a consumer and a opportunity to save some interest. Most credit cards offer a 0% APR for 6 to 12 months with no transfer fees. This is sometimes referred to as the teaser rate.

A balance transfer can be a good way for a you to consolidate debt. You can take your outstanding balance on one or two or more cards and transfer it to a card with a lower rate. Once approved, you would have all your payables on one credit card and essentially had taken two or more interest rates and transformed them into one lower rate.

If you want to carry on a balance, look for the credit card that offers the best interest rate or the annual fee offer. However, if you intend to pay for the credit every month, then look on the one that offers the lowest interest rate. Take note of the new rate after the introductory offer is over. Is it going to higher than what your have now? Are there any other fees involved? Make sure. Also does the introductory offer apply to balance transfers and purchases?

You can choose the credit card that offers the lowest annual percentage rate (APR). APR’s could either be a “fixed” or a “variable” rate. Fixed rates do not change as the name implies but is higher. Variable rates changes depending on the economic trends. I usually avoid anything that’s variable but you should explore your own options carefully. This is to be taken into consideration if you’re deciding on carrying a balance and for how long.

Other factors involved in your decision for a balance transfer might be the rewards (reward points)or cash back a card offers. You may want to look into something you purchase often, like airline miles or gas rebates if you drive more than usual. Other cards even offer cash back for paying home utilities and mortgage, like the Citi?Home Rebate Platinum Select?MasterCard? There is much competition for your money and if you take time to explore your options, you can turn some disadvantages on your present credit card balance back your way.

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Change A Light, Change The World With Energy Star

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Most people want to do their part to help reduce greenhouse gas emissions and save on their energy bills, but don’t know what they can do. Using energy efficiently at home is an important start, and, it can be as easy as changing a light bulb.

Change A Light, Change The World With Energy Star

Most people want to do their part to help reduce greenhouse gas emissions and save on their energy bills, but don’t know what they can do. Using energy efficiently at home is an important start; and, it can be as easy as changing a light bulb. The Environmental Protection Agency (EPA) and Department of Energy (DOE) are calling on Americans to join the growing number of individuals switching their current lighting to energy-efficient light bulbs and fixtures.

Many people don’t realize it, but the average home is responsible for twice as many greenhouse gas emissions as the average car. In fact, if every American home replaced its five most frequently used light fixtures or the bulbs in them with ENERGY STAR qualified ones, the amount of greenhouse gases we could prevent is equivalent to the emissions from more than 8 million cars. Not only does energy-efficient lighting help protect the environment, but it also saves consumers money since lighting accounts for nearly 20 percent of home electricity costs. Each home making this “5 light fixture change” could save about $60 a year in energy costs.

As part of the annual ENERGY STAR Change a Light, Change the World Campaign, the EPA and DOE have declared Oct. 4, 2006 “ENERGY STAR Change a Light Day.” Americans are invited to take a pledge online at energy star.gov/changealight and commit to replace at least one incandescent bulb or fixture in their home with one that has earned the government’s ENERGY STAR for energy efficiency. Individuals who have pledged are already having a dramatic combined impact. Pledges taken in 2005 alone will result in the reduction of 33 million pounds of greenhouse gas emissions. The goal is to encourage at least 500,000 individuals to join the community and take the ENERGY STAR Change a Light Pledge. This is a step in the right direction, to ensure that our children have a bright future ahead.

ENERGY STAR is a government-backed program helping individuals and businesses save energy and protect the environment through superior energy efficiency.

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