Important Information on Extended Warranties From Car Dealers

Car dealers offer extended warranties to provide their customers peace of mind that they’ll be covered should something unexpectedly go wrong with their vehicle. However, there are times where purchasing a warranty will be in your best interests, and other times where it will not. Here’s some information on how to tell the difference and to buy the one that is best for you.

What It Is

An extended warranty can be compared to insurance. You pay for liability coverage in case you’re in an accident and someone is hurt, although you don’t expect it to happen. In the same vein, a warranty will cover you if your vehicle needs a repair that you didn’t expect.

What to Look For

It wouldn’t make much sense to pay for a partial coverage plan – if you’re going to get a warranty, don’t go halfway. You’d be surprised at how many people make this mistake and not only end up paying for the coverage but for a large repair bill as well. Get the most coverage you can afford so you can rest assured it will be there should you need it.

Car dealers typically offer a wide range of options, so you’ll want to do a little homework before you purchase your new vehicle. Have the best possible idea of what will be covered and ask the right questions. For instance, get the amount of the deductible, find out what components of the vehicles are covered, and ask whether or not you need to take it to a certain shop for repairs. In addition, find out if you’ll have to pay for your rental car and any towing that may be needed.

Generally, car dealers offer power train warranties that cover any problems with the drive shaft, axles, transmission and engine. Again, make sure you know the exact parts that are covered. The most comprehensive type of plan is typically known as “bumper to bumper.” This will cover just about all your vehicle’s parts.

Setting a higher deductible could help you offset upfront costs; you just need to remember to set aside extra money should something go wrong. Does your credit card offer free roadside assistance? If that’s the case, then you can take towing off of your warranty and save a little money that way.

Is It For You?

If you have a deep emergency fund and could financially withstand having to pay for a big problem, then you might be fine if you didn’t purchase a warranty. However, if you’re like most people and you couldn’t handle a repair bill in the thousands of dollars, then you’ll more than likely be better off paying for a warranty. The monthly payments are affordable and you’ll have the added benefit of peace of mind.

Top 10 Business Podcasts

If you are a business owner then this list of the top 10 business podcasts is a must for you.

As a business owner/ entrepreneur, we all know that maintaining and growing a business can be extremely difficult and taxing at times.

In order to keep growing and moving forward with our businesses, we have to constantly learn and develop new skills. That doesn’t sound too difficult in theory but with the daily pressures of operating a business, it’s not always easy to find the time to learn these new skills.

There’s only so many hours in the day so we need to be smart about how, and what we spend our time on.

A great way of achieving this is to maximize our downtime by listening to podcasts. Even busy business owners have downtime (walking the dog, going for a jog, commuting during the day etc) so it’s a perfect opportunity.

So now you’ve decided to check out some business podcasts where do you start? Well finding the right podcast can be tough, anyone with a microphone and a computer can basically record a podcast so let me show you the best business podcasts so you can cut the fluff and get straight to the gold.

TOP 10 BUSINESS PODCASTS

TED Talks Business
StartUp
Entrepreneurs On Fire
The Gary Vee Audio Experience
Social Media Marketing
Marketing School
Masters Of Scale
The Joe Rogan Experience
The Tony Robbins Podcast
The Tim Ferris Show

The Good, the Bad, and the Not So Ugly Casino Bets

When walking through a casino, you may scratch your head and contemplate, “which game should I play? Maybe the slot machines?” There’s thousands of them enticing you take little spin. “Perhaps a little blackjack?” This game is not your Father’s blackjack any more. It has since evolved into many variants. Considering craps? Those tempting props bets can deplete your bankroll quickly.

Here are some of the best, worst, and not so ugly bets of casino games:

Machines

· The Good – Video Poker.

Learn basic strategy on the Jacks or Better, Bonus and Double Bonus games offering a 5 coin maximum bet. Always check the machine pay tables for one that pays at least 9/1 for a full house, and 6/1 for a flush. These games have over a 98% return and your money may last longer. Do not play those with pay tables less than 9/6.

· The Bad – Penny Slots

Very popular with exciting themes, colorful graphics, and attractive bonus features. However, the return is in the 80% range. Casinos have to hold more because they make less money on them. The hit frequency is about one in three spins but many so called win returns are less than your original wager.

· The Not So Ugly – Traditional 3 Reel Slots

If you positively must play the slots, try the non-progressive 25 cents, 50 cents, or 1 dollar machines that accept a two or three coin maximum wager. (While they’re still around). Returns average about 95%, and when you score a hit, your smallest win will be at least the amount of your original wager.

Tables

· The Good – Traditional Blackjack

Stay with the tables that pay 3/2 for a blackjack, deal from shoes and offer liberal rules such as allowing re-splits, soft doubling, double after split and late surrender. Learn basic strategy first. Avoid the optional side bets.

· The Bad – 6/5 Blackjack

Many casinos have reduced their BJ payout from 3/2 to 6/5. A player can expect three to four BJ’s per hour. Receiving $12 instead of $15 at a $10 table will deplete your bankroll quicker. Another bad bet is playing at a table with a continuous shuffle machine. The hands played per hour jump from about 60 to 80.

· The Not So Ugly – Blackjack Switch

This game is catching on fast. You play two hands at once and are allowed the option of switching the top cards to create better hands. Blackjack only pays even money but the game has some advantages for the player. After the switch is made, basic Blackjack rules apply. You can split, double, etc.

· The Good – Craps: pass line with odds.

There is a reason why this bet is the most popular at the table. When you make an odds wager behind the pass line after a shooter’s point number is established, you will be paid in true odds if the point is made before a seven is rolled. For example, the true odds on numbers four and ten are 2/1. A $10 odds bet would pay $20.

· The Bad – Craps: one roll proposition bets

You have one chance to wager that a certain number will emerge on the next roll. For example, a bet on the two or twelve will pay 30/1 if it hits. Truth is you only have a 1 in 36 chance of winning.

· The Not So Ugly – Craps: wrong betting

A wrong or don’t bettor is a player that bets against the shooter. When a wager is made on the don’t pass bar, the player is hoping that the shooter will roll a seven before the point number. This is called a seven out; all bets lose to the house except the wrong bettor(s). Don’t bettors also have an odds bet option, but they have to lay odds instead of taking them. For example, an odds bet against a point four or ten would cost $20 to win $10.

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