Vehicle Safety – Learning from the Mistake of Others

Christian King / July 17, 2018

We can use the safety misfortunes of others to protect ourselves and learn from their mistakes. Let’s take a look at some common sense safety knowledge and some true-life examples of what can happen when they are ignored.

Behind the Wheel

When driving a vehicle, you need to give it your full attention.

January 2018 – A man goes to court this month for killing a woman and seriously injuring her young son. The Quebec man crashed head-on into the car carrying the two victims and speed was a factor. The man thought he was going 100km/h, but his odometer was in miles; he was traveling at 160 km/h when he lost control.

Texting while driving is a common cause of road accidentsWinter driving requires even greater concentration.

December 2017 – Highway 8 in New Brunswick was covered with snow on a Saturday morning, making it difficult to see where the lanes were. A school van hit the shoulder of the road before spinning into the path of a truck traveling in the oncoming lane of traffic. Seven students and a teacher were killed.

Keep your car equipped for survival during cold months.

January 2018 – A Colorado man and three boys ranging from five to nine years of age spent the night in a minivan when the vehicle got stuck in a snowdrift. They were driving home from a hockey tournament in a neighboring town and took a grid road home. When the sun rose, the man walked six kilometers to a farm for help.

Carjacking doesn’t just happen in the movies.

June 2007 – While traveling on the Trans-Canada Highway in south-eastern Ontario, a man was shot in the stomach during a carjacking. Police found him on the side of the highway. The man is expected to make a full recovery. In Winnipeg in October 2007, two teenage girls posed as police officers to carjack a pickup truck. They tied the victim’s hands and raided his pockets before taking off in the truck.

Do not leave children unattended in a vehicle.

January 2018 – On a blustery -20 C day in Calgary, a mother left her one-year-old twins locked in her car when she ran an older child into a doctor’s appointment. She returned 45 minutes later to find her vehicle surrounded by emergency personnel. The children were taken to hospital and are expected to make a full recovery from their frigid nightmare. A two-year-old Calgary girl wasn’t as fortunate in February 2017. Her mother left the girl and her older brother in a running Chevrolet Blazer while she ran an errand. The girl activated the power window button with her knee as she looked outside and her head got lodged in the window. She was later pronounced dead.
Bike light and fluorescent clothing are necessary when cycling at night

Cycling on the Road

Obey rules of the road when cycling.

September 2017 – At 6:30 AM, a man in Grande Prairie, Alberta, was riding his bicycle against oncoming traffic, a big no-no as you should go with the flow. To make matters worse, he was dressed in all black. He was hit by an oncoming vehicle and spent a week in the hospital.

Railway Crossing Safety

Railway crossings should be crossed with care.

January 2018 – A man was killed in Magog, Quebec when the front wheels of his motorized tricycle became caught in the tracks. A passerby tried unsuccessfully to pull the rider from the path of the oncoming train. The warning lights were functional at the crossing, and the train honked several times before the collision. The same day a car was struck by a train near Miramichi, New Brunswick, killing a young father and seriously injuring a two-year-old boy. The vehicle appears to have been stopped on the tracks when it was struck by the train. Investigations have been launched into both incidents.

Learn from the errors of other people to keep yourself safe.


Selling Your Car when It’s in the Brink of Repossession

Christian King / June 14, 2018

Consumers have the responsibility to look out for their own best interests and not depend on someone, or some business, to do it for them. This goes with any transaction, especially a car that one has fallen behind on.

When a person can no longer afford the vehicle she is driving; it is not uncommon that the car has sunken in value to an amount that is lower than the loan balance. This is common for any vehicle purchased with a loan that is greater than 42 months.

During such an event where repossession appears to be imminent, some will opt to forfeit the car to the lender to avoid any trouble. What would be better would be to sell the vehicle, and then pay off the difference. But this process involves more than just selling the car.

Selling a car you can no longer afford is better than get it repossessedHow to Execute a Private car Sale for a Vehicle with a Note

Selling a car privately involves a transfer of title. To do this, the lender must be paid off, or be informed that a sale is going to take place where the loan will be satisfied, but to satisfy the loan, the car has to be paid in full, which is not often possible through the sale alone.

To make up the difference, cash must be used. For those who do not have it, they must borrow money from a loved one or another lender. Believe it or not, this method saves more than not handling this before repossession.

Voluntary Auto Repossession Will Guarantee Collections

The reason that selling a car privately and then dealing with the difference is easier is that the dealer is going to get his money one way or another. So, if they sell it for $3,000 less, they do not mind because the previous owner (you) is on the hook for the difference between what is owed and what the car sold for. The car could sell for less for any number of reasons that could include cigarette burns in the seats, scratches on the dashboard, stains that won’t come out of the carpet, or a lot of mileage.

After the sale is executed, the dealership will likely assume that the client is not going to honor the loan, and rather than deal with him or her, the easier route would be to give it to their collections department. Either way, the money is going to be collected, but selling the car and taking responsibility will result in less damage to your credit, or even improving it if no payments were missed, because the loan will have been satisfied.


How to Dramatically Cut Your Driving Expenses

Christian King / February 2, 2018

As the price of gasoline and insurance skyrocket, everyone needs to cut driving expenses to stay competitive and liquid. Four major options can cut the driving expense budget and start you saving money quickly.

The biggest car expense is the gasolineGasoline

* Buy gasoline early in the morning or two hours after dark. The cold of the ground makes the gasoline denser, meaning more gasoline per dollar.

* Driving courteously. Quick starts and hard braking burn more gasoline than letting off one pedal and touching your foot to the floor before applying pressure to another pedal. The speed limit, or just a bit below, will produce better gas mileage.

* Empty your trunk and backseat. The least amount of excess weight in your car will require the least amount of gas to transport.

* Keep your tank full. This produces the least amount of gasoline evaporation breakdown in your tank, which causes poor fuel economy and reduced performance.

* Use cruise control every time possible. Although not recommended for mountainous regions, cruise control can save more than 7% of the gas used when driving manually.

* Use the correct grade of gasoline for your vehicle. Ensuring the proper burn of gasoline will produce the proper fuel economy.

Plan Ahead

* Plan excursions to include at least three stops. By combining trips for errands, you will burn less gasoline and time.

* Research rates for insurance before your policy expires. Getting a quote from another company will ping your credit report, but getting a better renewal quote from your current carrier will reduce your rates. Take advantage of longevity discounts by staying with the same company.

* Plan your maintenance. Proper maintenance of air filters, oil changes, fuel filters, spark plugs and your gas tank will keep your automobile running at peak efficiency, reducing gasoline consumption and high ticket maintenance.

* Leave on time. By scheduling properly, you will not be in a hurry driving to or from any place. This will burn less gasoline.

* Go with the flow. Driving in stop and go traffic (in other words: rush hours) costs much more than highway driving with no stopping.

Driving Alternatives

* When possible, walk or bicycle to your destination. Not only is this cheaper, but it is also very good for your heart.

* Carpool. Sharing a ride cuts expenses and is good for the environment.

* Public transportation. Weigh the cost of driving to and from work in your car (including gasoline, insurance, and maintenance) against taking a little more time to get there.

* Stay home. For the first time, you have the green light to procrastinate. Rather than go to the grocery for one ingredient, cook something else. Tomorrow, go to the supermarket when you pick up your prescription.

Assessing What You can Afford

* If your car payment is taxing, consider refinancing your vehicle to lower your interest rate.

* When the combination of the car payment, gasoline, insurance, and maintenance are too high, consider trading your vehicle in on one that is more fuel efficient, lower priced and less expensive to insure.

* Consider your commute. Relocation may well be an investment in future savings. Cutting the cost of your commute can pay for relocation quickly and begin to net savings.

Employing as few as three of these expense cutting tips can help you start saving money. Driving does not have to break the bank!