Automotive Filter Changes Importance

Humans require clean, easy-to-breath air in order to live. And just like humans, vehicles also need to be able to “breathe” clean air in order to survive. While human lungs make it possible to breathe, a vehicle’s air filters do just the same. But after some time, they begin to accumulate mass amounts of dirt, debris, and other airborne particles, which eventually decreases their quality and function. For this reason, it is critical to have your vehicle’s engine and cabin air filters inspected and changed on a routine basis to promote safe and efficient driving. Continue reading to learn more about the importance of routine automotive filter changes.

Air Filters

Keep in mind that your car’s air filters are your first line of defense against irritating and obstructive airborne contaminants. Dirt, dust, pollen, mold spores, exhaust gases, bacteria, and more are examples of airborne contaminants that have the ability to negatively affect the quality and performance of your engine and vehicle as a whole. And according to Community Car Care, there is a 1 in 5 chance that YOUR car needs an air filter change right now! Many drivers are guilty of overlooking this small but highly-necessary scheduled maintenance.

Engine Damage

The long list of airborne contaminants can have a powerful impact on your vehicle’s engine, and in a very negative way. Everything from pistons, cylinders, and cylinder walls, to piston rings and bearings, are just a few areas of a car engine that can begin to lose performance value from clogged or dirty air filters. Over time, neglecting to change them can lead to serious engine malfunctions and breakdowns, which means frustrating, costly repairs.

Cabin Filters

If you like to have clean, breathable interior air that smells good, you need to change your air filters on a routine basis. Once they start to become clogged, they begin to slowly lose their ability to do their job. So once they are entirely clogged, you can suffer some mild but irritating consequences, such as musty smells, sore throat, coughing, itchy eyes, tightening of the chest, and more. Changing them regularly keeps the interior environment of your car fresh and easy to breath.

Schedule

Refer to your vehicle’s owners’ manual for the manufacturer recommendations on factory scheduled maintenance. The general rule of thumb is to have your air filters inspected and changed every time you take your car in for an oil change. In fact, it is often a part of oil change packages. This should be every 3,000 miles or so. Talk to your mechanic for professional advice.

Great Success With Network Marketing Tips For Having

Who do you think you going to blame if your network marketing plan fails? Hopefully you have prepared yourself fully for any issues that might arise. Pay attention to this article and you will find some of the best tips and suggestions that are available in this day and age.

Don’t spend more than 15-20 minutes talking to applicants. It’s enough time for both of you to size up each other and decide whether you can work with each other or not. The rest of the talking can be done by members of your team. They can teach the most important tricks to the new member while you can deal with more important issues.

Know how you’re going to answer difficult questions about your network marketing business before they are asked. Inevitably, some people will ask you if your business is a pyramid scheme. Tell them that they need to look elsewhere if that is what they are interested in. Knowing the answers to difficult questions ahead of time will make you appear knowledgeable and savvy.

When prospecting, stop focusing on making the sale and focus on whether there is even a sale to be made. If you focus on making the sale, you will end up wasting your time on prospects that will never turn. Learn to listen to those cues that let you know you are barking up the wrong tree, so you can move on to more likely prospects.

Remember that going into network marketing is not to be treated like a hobby; it is a legitimate business. Hobbies are something you do in your downtime to kill boredom. Treating network marketing in this fashion will impede your progress by not allowing you to focus on building out your market.

Quality training may be in order to become a successful network marketer, so never scoff at the idea of checking out some viral videos or listening to books on tape. The more information you check out in the field of network marketing, the easier things will become for you. An informed marketer is a successful marketer.

If you let people know your network marketing business is open 24 hours a day, 7 days a week, they’ll expect it to be open those hours. That means people in your downline with a question will be calling at all hours of the day and night. Make yourself available, but ensure that your team members know that you do need some time to yourself as well.

Your downline is an essential resource of information, so don’t forget about them once they sign up under you. If you see that someone in your downline is making huge profits, ask them for advice! You’ve helped them become the marketer they are, so they’re likely to be more than willing to share their tips and tricks with you.

To summarize, you know that the responsibility comes down to only you for the proper implementation of your network marketing plan. You are the one who needs to prepare yourself both for how to make things run smoothly and also fix them when something goes wrong. Start now and use the suggestions that have been offered in this article.

Home Built Is Exciting

Experience

When it comes to custom homes, you don’t want to put that into the hands of just anyone. Look for a provider with a history of offering well-made homes. They should be completed on time, on budget, and with quality materials. They should have a reputation of listening to the buyers and offering a variety of floor plans as well as other options to pick from.

You need a provider who can guide you through the entire process from start to finish. It all begins with a free consultation where you can share your dream about custom homes. What would the ideal home look like and where would it be located? They can spend time giving you the opportunity to check land available, various sizes and layouts of homes, and more.

Getting Started

As you start to share with them what you want the outcome to be, they can give you more specific ideas and concepts. They can also give you an idea of what the cost will be. Typically, they are going to give you the base package price. As you add various upgrades, the cost can increase. Keep that in mind as you are making your final decisions.

If the cost is too much, you will either have to increase your budget or you will need to make some changes. It can be useful to get pre-approved for a loan before you discuss details with the creator of custom homes. This helps you to know how much you can afford to spend. It will also speed up the process of getting it all in motion once the last paperwork has been completed.

Communication

One of the key aspects of making it all fall into place is excellent communication. The provider should get back to you timely with information. They should be willing to sit down and discuss with you various options, show you samples of colors and materials, and make sure you feel comfortable with how it is all moving forward. You shouldn’t ever feel rushed or pressured.

During the planning stages, you need to ask questions as you go. Don’t feel intimidated or like you should know more than you do. Providers of custom homes deal with this all day, every day and they realize you are new to the process. They are going to be patient and they are going to be motivated to help you feel confident about the entire process.

Building Process

Once the specifics are in place and the financing has been taken care of, the real building can begin. Custom homes should be built to your specifications with quality materials. During various stages of the building there will be required inspections that have to be done. They are conducted by an outside 3rd party to make sure the home is being built safely and up to code.

It is a good idea to find out about any warranties that apply. Usually, there will be a warranty that is applied for the materials and another given by the contractor for their role in the construction of your new home. Find out exactly what is covered and what isn’t under such a warranty. You don’t want to feel blindsided if you need to make a claim down the road.

Care Costs in Retirement – Controlling Your Health

It’s no secret that health care becomes a bigger concern for most of us as we grow older. More ailments are likely to develop, which means more money spent to visit health professionals and buy medication. Even if you remain healthy through your later years, the costs of preventative care and preparing for potential unexpected health situations are rising.

Health-related expenses will likely be one of the biggest components of your retirement budget. You need to be prepared to pay for comprehensive insurance coverage and potential out-of-pocket costs for care. Here are three strategies to help you manage this critical expense in retirement.

Understand how Medicare works

The good news for Americans age 65 and older is that you qualify for Medicare. That makes increased dependence on health care services more affordable. At age 65, most people automatically qualify for Medicare Part A at no cost, which primarily provides coverage for hospital stays and skilled nursing care. Medicare Part B must be purchased (approximately $109 per month in 2017 for most retirees). Part B covers the costs of visiting a physician, but with some deductibles. Many people purchase additional coverage to use for out-of-pocket expenses, such as a Part D prescription drug plan or a Medicare Supplement policy.

With Medicare, timing is important. Signing up when you first qualify for coverage will keep costs at the lowest level. If you maintain insurance through your employer after turning 65, you can delay Medicare enrollment without risking late penalties.

If you retire prior to age 65, you will need to purchase insurance on the open market to cover health-related expenses until you become eligible for Medicare. Individual coverage tends to get more expensive as you grow older, so work the cost into your retirement budget. Some employers offer retiree health insurance as a benefit. Check with your human resources department to see if this option is available to you.

Allocate sufficient funds for health care costs

As you develop your retirement income strategy, make sure you have money set aside for health expenses that will be your responsibility. By one estimate, the average 66-year-old couple will need to tap more than half of their lifetime pre-tax Social Security benefits to pay for health care expenses throughout retirement. Most people will likely have to rely, in part, on their own savings to help offset some medical expenses.

Along with other retirement savings, you may want to establish a health savings account (HSA) during your working years. HSAs are designed to help build tax-advantaged savings to pay for out-of-pocket medical expenses you incur during your working years. However, any leftover funds can be applied to health expenses later in life, including premiums for Medicare and long-term care insurance. Keep in mind that you must be enrolled in a high deductible health plan to open an HSA.

Focus on your own health

One way to potentially keep health care costs under control in retirement is to create or maintain a healthy lifestyle. Small changes you make today, such as eating right or prioritizing sleep, could reduce the likelihood that medical issues will impact you later in life. Being physically active may also benefit your finances in retirement – according to the American Heart Association, it could potentially help you save $500 a year today on health-related expenses.

Having a plan doesn’t guarantee that you will avoid heath issues, but you may find comfort in knowing how you can tackle health care costs in retirement.