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    Con$umer Wi$e: Part 2
    Con$umer Wi$e: Part 2
    Con$umer Wi$e: Part 2
    Ebook73 pages1 hour

    Con$umer Wi$e: Part 2

    By Valerie Hockert, PhD

    ()

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    About this ebook

    If only more of us had read these and followed the suggestions to be a wise shopper or consumer wise... perhaps we’d be better off today....

    These articles amazingly hold a lot of merit today.

    How to be money wise, save money, make wise purchases and more.

    If you like this, you will also like the first Consumer Wise.

    LanguageEnglish
    PublisherJustice Gray
    Release dateFeb 4, 2014
    ISBN9781311172921
    Con$umer Wi$e: Part 2
    Author

    Valerie Hockert, PhD

    Valerie Hockert, was born in the Midwest where she has lived all her adult life. She has had much life experience through her various entrepreneurial life. She has a Master's Degree in Liberal Studies, and a PhD in Literary Studies. Dr. Hockert has been teaching at a college level for many years. She was the first publisher of the Writers' Journal and Today's Family, two national publications. She is also a certified personal trainer, great chef, and the Publisher of an e-magazine: www.realitytodayforum.com.

    Read more from Valerie Hockert, Ph D

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      Book preview

      Con$umer Wi$e - Valerie Hockert, PhD

      Con$umer Wi$e

      If Only We Had Listened

      Part 2

      Edited by Valerie Hockert

      Valerie Hockert

      CollProf@aol.com

      Copyright 2012, Valerie Hockert, reprinted by permission from Today’s Family Inc

      Copyright 1993 by Today’s Family Inc.

      All rights reserved

      Smashwords Edition

      No part of this document may be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without prior written permission of author.

      Table of Contents

      Introduction

      Your Next Car: Lemon or a Peach?

      Hiring a Lawyer the Wise Way

      Give Yourself Credit: Part I

      Give Yourself Credit: Part 2

      Sensible Hair & Skin Care

      Summer is Not Just a Time of Year

      Credit Card is King

      After the Damage is Done

      Ten Tips to Entertain Children on a Tight Budget

      Read Thi$: It Can $ave You Thou$ands of Dollar$!

      Withhold From Yourself

      Introduction

      This is a collection of articles as originally published in Today’s Family magazine. The first three articles were published under the name Wi$e $hopper; after that the name was changed back to Con$umer Wi$e.

      These articles amazingly hold a lot of merit today.

      If only more of us had read these and followed the suggestions to be a wise shopper or consumer wise… perhaps we’d be better off today….

      –Valerie Hockert

      Your Next Car: Lemon or a Peach?

      By Valerie Bellis with Keith Bellis

      There is probably no doubt that next to your home, your biggest expense is the car you buy and drive. The payments, sales and license taxes, insurance and maintenance costs all add up. When you are on a budget, the idea of buying a car can be a drain on more than just your savings. It’s really a mixed bag of emotions, isn’t it? You may be looking forward to having a new car; it’s fun to shop around and think about driving this one or that one. When reality sets in and it’s time to get down to the business of buying and owning that car—those daydreams begin to look a little bleak.

      The problem I had with buying a car was simple education. I realized that I just didn’t know enough about what it takes to select the right vehicle. It takes a willingness to spend time and patience shopping around. It takes a little research and the right questions. If you are shopping for a car, these first steps will go a long way toward the final selection of the right one for you.

      New versus used. The appeal of a brand new car hot off the assembly line is great. New car looks, new car smell, new car cost—wait! The bubble just burst. If you are one of the lucky ones who have no problem with the idea of new car costs and upkeep, well, go no further. This article isn’t for you. So what’s the big deal? Money, plain and simple. It costs a lot to own a new car these days, especially a family-sized automobile. New cars depreciate in value as soon as you drive one off the car lot. In the next two years that depreciation gets worse. There are a lot of folks who buy a car new and end up selling or trading it in on another within that two year period. They fear the depreciation will greatly lessen the trade-in value of their car, if they wait longer than those two years. They’re right! That’s exactly what happens.

      Now, I know I’m upsetting a few car dealers telling you this. I wouldn’t for the world cut into their profits—or would I? I didn’t buy a new car. With the budget I’m on, I simply cannot afford one.

      Let’s look at buying a used car. And no, I do not mean a car that is ten years old and is rusty from bumper to undercarriage. My father recently traded in his 1900 Oldsmobile for a beautiful Mazda 926. It’s a 1990—one year old—and he got a great deal on that fine car. With trade-in (his had been a new car and he wanted to get all the trade value he could on his 1990 Oldsmobile) he financed $5,000 for the Mazda, plus he purchased an extended warranty which covers practically everything on the car—for $100. Now that’s a deal.

      Where you might begin is with the consumer reports and guides available to the public. These reports and magazines do not accept advertising. There is no incentive for favoring one vehicle over another, except the unbiased and thorough research put into the evaluation of practically every car on the market today. These reports rate the costs and reliability of motor vehicles, from trucks to sports cars. They are priceless for the information they provide the consumer. You’ll discover which car runs the best, uses less gas, has great handling power, as well as overall history of reliability and workmanship. The best part is: both new and older cars are listed.

      Insurance is another plus when buying a used car, depending upon the model you choose. Insurance costs will

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