Young Adult Article Links:

Shopping for a Mortgage?  Do your homework first.  Speciality Mortgages:  What are the Risks and Advantages?

Your 5 Minute Guide to Money in your 20s.  It might be a cold, cruel post-college world out there, but these 26 suggestions can help warm things up for you. 

How to build your first budget - Learn how to master food, housing, savings and the rest, and you can fend off ugly money problems. 

9 ways to build a killer credit score - It's much easier to start from scratch than to repair black marks later on. 

5 rules for buying that first new car - If you must buy a brand new car, keep these rules in mind.


  Smart Gas-Saving Tips

We’ve all certainly felt the effects of high fuel costs this year. The summer driving season is in full swing. The following are some smart gas-saving tips to ease the shock at the pump this season.

Avoid Excessive Idling: You get zero miles per gallon when idling. Go inside to do your banking or order your food if the drive-thru lines are long.
Avoid Fast Starts: Rapid acceleration and braking waste gas. It can lower your gas mileage by up to 30% or more.
Observe the Speed Limit: Fast driving lowers fuel economy dramatically. You can figure roughly that every 5 MPH over 60 MPH costs you an additional 20 cents per gallon.
Keep Your Engine Tuned: An engine that is not tuned properly can waste as much as 40% of your gas.
Use the Correct Grade of Fuel: Many people think that they need Premium when Regular will do just fine. Read the owners manual and use the recommended fuel.
Check and Replace Filters: A clogged air filter can cause damage to your engine, as well as decrease gas mileage by up to 10% - that’s like paying an extra $.30 a gallon*.
Cut Wind Resistance: Flying a flag from the antenna, having a roof rack/carrier, or driving a pick-up truck with the tailgate down can reduce mileage by up to 30 percent.
Tires: Check the air pressure often – low air pressure can reduce mileage. Keep your tires rotated and aligned - misaligned tires can cause drag.
Source: *Savings are based on $3.00 per gallon of gas.  



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