Savvy
Consumer
Tips

by Chris Bjorklund



Ms. Bjorklund is the ombudsman for American Ratings Corporation and
long-time Bay Area consumer reporter.

She can be reached at info@diamondcertified.org.

Windshield Wiper Safety

Hotel Room Discounts

Carpet Cleaning

Keeping ID Handy in Airports

The Great Pre-Pay Question

Buying a Used Car? Critical Free Data

Ivy, Mold and the Southern Exposure

Puzzling over
Pre-paid Phone Cards

Lights Out - Now What?

Avoiding Junk E-mails

Don't Worry About Keeping Up with the Joneses

Low Flow, Oh No!

Late Credit Card Payment = Double Whammy

Don't Be a Fool —
Stay Cool

So You Want to Be a Star?

Carpet Cleaning Myths

Home Inspections — What You Don't Know Can Hurt You

Taking Complaints to the Next Level

The Secret to a Less Stressful Home Remodeling Experience

Smog Check Savvy

"Free" Credit Reports……Hmmm

Window Warranties

Avoid Flooring Fiascoes — Warning About Water!

Perfect Credit? Maybe Not.

Take It Off and Keep It Off

A Great Foundation Makes All the Difference

Tackling the Impossible!

Avoiding Health Plan Hassles

Don't Spend Real Money on Real Fakes

Unplugging an Extra Refrigerator May Cost You in the Long Run

Hold the Mold by Catching Leaks Early

How to Get the Most Out of Your Old Insulation

Keep Your Eye on the Prize When Refinancing

Are You Being Squeezed by a Lemon?

Gophers Be Gone!

All That Glitters Is Definitely Not Gold

Are You Wasting Money on Premium Gasoline?

A "Key" Strategy That Will Literally Open Doors

STOP THIEF! Be Careful What You Discard

A Simple Solution for Your Ant Problem

Lazy About Checking Your Oil? You Have Company.

The 411 on Directory Assistance

How to Give Your Doctor a Check-Up

How to Care for and Feed Your Garbage Disposer

Detecting and Plugging Hidden Leaks

Avoid Surprises — Get a Pre-Sale Home Inspection

Hot Tips on Buying Firewood

Storage: High & Dry!

No More Whining Over the Wine Tab

Don't Mix Cruise Control with Rain or Ice

Should You Get a Microchip ID for Your Pet?

Before You Buy: A Savvy Way to Check Out a Used Car

Give Your Dead Car Battery a Decent Burial

How Often Should You Dry Clean Your Drapes?

Who Should Pay for the New Fence?

Much More About Mulch

Don't Try This at Home

Dissecting Drips in Your Driveway

Car Accident Repairs: Know Your Rights

The Best Way to Preserve Priceless Memories

Use It or Lose It

The Connection Between Your Wallet and Back Pain

A Heads Up on Head Restraints

A Safety Inspection That Could Save You Thousands

Big Auto Repairs? Don't Despair.

Time for an Attic Inspection?

Kids, Social Security Numbers and Identity Theft

Confusing E-Mail Making Another Go-Round

Which Shampoo is Best for You?

Opening Stuck Windows

Why Your Wool Area Rugs Need Special Care

Two Ways to Save Money on Pet Drugs

Pre-Plan But Don't Pre-Pay for Your Funeral

A Word of Caution about Kids and Cords

How to Avoid the 3 Biggest Problems with Kitchen Remodelers

Cleanliness is…Try This at Home!

Auto Financing Secrets Revealed

A Warning for Job Seekers

Inspect Your Gutters Now!

Avoid Gift Card Glitches

Kids Away at College? Here's How to Save Money on Car Insurance

Caring for Stone Countertops

Don't Delay Dealing with Dirty Ducts!

Help Stop Junk Faxing

Deals on College Textbooks

When to Call a Handyman

Great Products for Cleaning Shower Glass

Tax Prep Tip

How to Sniff Out and Eliminate Bad Car Odors

Planning Landscaping that Lasts

A Winning Strategy for New Car Buyers

The Deep Dirt on Dishwashers

Cleaning Tips for Your Computer

Diets, Carbohydrates and Your Body

Extending the Life of Your Car

Expert Advice on Mold

Creating More Closet Space—Quickly & Inexpensively

Give Your Old Cell Phone a New Lease on Life!

Details About Auto Detailing

Say Good-Bye to the Moss on Your House

Time to Replace an Old Mattress?

A New Way to Prevent Cavities

Choosing Kid-Friendly Furniture Fabrics

Why a Solar System Makes Extra Sense - NOW!

Your Car's Blind Spot May Be Bigger Than You Think

House Painting Tips from a Professional

House Painting Choices – One Coat or Three Coats?

Sensible Kitchen & Bathroom Remodels Pay Off

The Latest in Lens Implants

Think About Depreciation When Choosing a New Car

Secret Credit Card Interest Rate-Hike Revealed!

A Tale of Two Auto Repair Shops

Keep Cool with an Attic Fan

Hair Growth Products that Work!

Here's the Deal on Decks

Get a Safe Summer Tan

Protect Your Dog from Heatstroke

Preventing and Controlling Mosquito Problems

A Sneaky Scam Going Around the Internet

The Ins and Outs of Pre-Planning Your Burial

Some Pearls of Wisdom about Pearls

Tricks to Getting the Best Airline Seats in Coach

Readying Your Roof for Winter Rains

How to Eliminate Brown Grass

Controlling Your Kids' Credit Card Spending

A Dry Cleaner's Warning About Holiday Dresses

Why Bother to Tint Your Windows?

Protect Your Hearing

Understanding Your Car's Over-Drive Feature

Does Your Kitchen Need a Tune-Up?

First Aid for Clogged Drains

Late Model Used Cars Offer Big Savings

Chemistry Matters When Choosing a Real Estate Agent

A Good Motto for Home Sellers

Water Heaters With a Lot of Pluses

A Good Motto for Home Sellers

Chemistry Matters When Choosing a Real Estate Agent

Too Many Keys Can Damage Your Car's Ignition

How a Notary Protects Your Personal Information

Sensible Advice for Sofa Buyers

Misconceptions About Fire Sprinklers

First Aid for a Leaky Roof

Leather Furniture Prices Are Coming Down

Disaster Planning For Your Furry Kids

Time to Replace Your Old Furnace?

How to Pass a Smog Check First Time!

Routine Maintenance Extends Your Car’s Life

Caring For Your Carpets Pays Off

Save $$ While Saving Environment by Going Solar Now

Landscaping Lighting – What You Need to Know

Avoid a Scam Called "Phishing"

The Three Doors to Home Ownership

Expert Tips on Choosing Paint Colors

Why Tire Pressure Matters

Time to Take Down a Tree?

Investing In Brand Name Kitchen Appliances

Which Dance Studio is Right For You?

Is Your Hot Water Too Hot?

Simple Adjustments Produce Better Photos

The Grass IS Always Greener!

Some Good News About Grout

Buy A Home With 100% Financing!

Getting The Most Out Of Your Air Conditioner

Why Women Trive on Group Excerise

Be Kind To Your Clutch

Avoiding Costly Camera Repairs

Get Softer Lighting with new Skylights

Say "Good-Bye" to Water Spots on Shower Doors

Don’t Miss These Mileage Tax Deductions!

How Long Will Your Hardwood Floors Last?

A Pitfall with Automatically Paid Bills

How to Compare Lenders and Closing Costs

Have You Considered Bamboo Flooring?

Rust is Your Car's #1 Enemy

Why Not Add a Wine Cellar to Your Home?

Prevent Sun Damage to Your Boat's Upholstery

Considering Cremation Options

Deferring Taxes With a Private Annuity Trust

Tips For Taking Care of Teak Furniture

Be Careful to Avoid An Outrageous Airline Charge!

Choosing a Contractor

Keeping your carpets "Healthy"

Unlicensed Contractors Hit the Streets

California Contract Law Protects Immigrants

Be Your Own Driveway Detective

Fluorescent Lights Have Come a Long Way, Baby!

Spiffing Up Your Car's Exhaust System

Designing Your Own Engagement Ring

Expert Advice on Sizing Up Used Cars

What to Expect With Kitchen Cabinet Refacing

Comparison Shopping for Custom Cabinets and Closets

Boost Your Home's Selling Price

Scientific Tree Care is a Sound Investment

Low Voltage Lighting's Many Benefits

Mosquitoes - A Threat to Your Pet

What You Didn't Know About "Test Only" Smog Centers

Who's Really Going to Do the Work?

Time to Chuck Your Old Hearing Aid?

Use Better Manners to Get Better Service

Big Fuel Savings With Diesel Cars

Buying Diamonds on the Internet?

Removing Pet Urine Stains from Hardwood

Correct Alignment Saves Tires and Gas

Protecting Natural Stone at Home

Your Refrigerator May Need a Steam Bath!

Double Your "Social Space" with a Sunroom

How Long Should a Paint Job Last?

Comprehensive Dental Exams Save Teeth

Learn About a Caterer from the Taste Test

Keeping Quality Furniture in the Family

Why Spend the Extra Money for Shutters?

Expect This from an Insurance Pro

Do Your Landscaping Little by Little

A Warning About Doggie Dental Care

Common Carpet Care Mistakes

Your CPA Can Help Most Now!

Juggling Two Escrows

Make Your Old Bike More Rider-Friendly

Moving Major Appliances and Electronic Equipment

Linoleum Versus Vinyl

Slow Computer Driving You Nuts?

Repair or Replace Your Windshield?

Clean Drains Before the Holidays

New Protections for Used Car Buyers

Can I Afford an Oriental Rug?

The Downside of Doing Your Own Plumbing

Tire Pressure - Details Do Matter

A Good Loan Agent is a Mortgage Matchmaker

Bed Bugs Invading Homes - Yikes!

Efficient Fireplace Burning techniques

Quality Paint Pays for Itself

Cost Effective Ways to Heat Your Home

Save Money by Recycling E-Waste

Cancellation Rights for Health Club Shoppers

Kitchen Cabinet Makeovers

Don't Panic When Check Engine Light Comes On

Ask Pool Contractors for Proof of Insurance

Is Slate Roofing Right for Your Home?

Beautify Your Home from the Inside Out

Keying in on Lock Bumping

Key Pointers on Buying New Condos

Give Your Doctor a Check-Up

Do You Want Whiter Teeth?

Home Inspectors Should Look High and Low

Buy the Right Surveillance System

Choosing Your Assisted Living Community

Window Washing Wisdom

Photos Help Seniors Transition to Retirement Communities

Keep Firewood (and Termites) Away from the House

Your Right to Choose a Body Shop

Have Trees Pruned, Not Butchered!

Make Those Hardwood Floors Last a Lifetime

Get the Right Price for Your Home

Learn from Watching Oil Change Experts

Guidelines and Options for Cremation

Your Feet Are Not Supposed to Hurt!

Curb Appeal and Your Garage Door

Shopping for a Mortgage? Disclosure is key…

Start Retirement Savings Now

Tired of Red, Teary, Irritated Eyes?

Why Use a Designer?

How to Pick the Right Moulding

If You Build It, Will They Come?

How to Test Your Alarm System

Get “M.O.R.E.” Out of Your Remodel

Get a Great Granite Job

Get Involved When Teens Start Driving

The Right Way to Maintain Redwood

Give Your Dry Cleaner All the Facts

How to Drive a Better Deal on a Rental Car

Your Car Needs More Than Just Oil Changes

How to Clean Up the Air Inside Your Home

Water Damage?  What Not to Do

The Latest Window Treatment Trend

The Grass is Green with Synthetic Turf

Be Wary of Debt Settlers’ Claims

Life is Easier with a Universal Remote Control

Facts About High-Quality Faucets

The “Must-Haves” in Kitchen Cabinets

A Growing Demand for Green Paints

Why Functional Fitness Matters

Do You Feel the Earth Moving Under Your Feet?

 

 

 

 

 

 

How Often Should You Dry Clean Your Drapes?
Experts say that if you care for your drapes properly, you may never have to dry clean them. The degree and frequency of care depends on environmental pollutants (from open windows, traffic exhaust, smoke, etc.). Regular maintenance is more important and cost effective than dry cleaning. You want to prevent dust build-up on the front and back of draperies. Dust on the backside will attract the sun's destructive rays like a magnet. This speeds up deterioration of the lining and drapery fabric. Shake the drapes while hanging to knock off dust or vacuum with an upholstery brush. Don't use the same upholstery brush you use on furniture as it may have broken bristles that will damage the drapery fabric. Use a new one. The industry says drapes should last 7 years, but with regular care, your drapes could well last 10 to 15 years!

Give Your Dead Car Battery a Decent Burial
Is a dead car battery cluttering up and rusting in your garage or carport? Old batteries contain more than 20 pounds of lead and a gallon of sulfuric acid. They are too toxic to throw into the regular garbage, but what is the safest way to dispose of them? According to the American Automobile Association's Vice President of Automotive Services David Whitgob, more than 200,000 dead batteries in California are just waiting for a decent burial. That's why the AAA is launching the annual "Great Battery Roundup" this week, in honor of Earth Day. Mr. Whitgob recommends using caution when handling the old batteries. Wear gloves and safety glasses and don't expose them to any open flames, and that includes cigarettes. Use a leak-proof box when transporting the battery, in case it is cracked and leaking acid. You can find a recycling location near you by going to aaa.com or BatteryRoundup.com.

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Before You Buy: A Savvy Way to Check Out a Used Car
People often make mistakes when they buy used cars because they don't do their homework. One owner of a Diamond Certified Auto Dealership, encourages customers to take their time and not to get emotionally involved with a particular vehicle. He also suggests getting deep background on a used car through a service called CarFax (carfax.com). This company has a database of roughly 2 billion vehicle history records from 800 sources. You type in a vehicle ID number, and within a matter of minutes, you get the lowdown on a car's odometer history, ownership, registration status, and accident record. You can also use the website to find out if the car is legally considered a lemon or if it has been recalled. A single report is $14.99 and it could save you aggravation.

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Should You Get a Microchip ID for Your Pet?
Would you ever be able to forgive yourself if your lost pet was put down because it could not be identified? That's what can happen in some counties if an animal has more than $100 worth of injuries and the owner cannot be found, according to Dr. Arnold Gutlaizer, owner of Broadway Pet Hospital and Hotel, a Diamond Certified company. Injecting a microchip between the animal's shoulder blades is not painful and the implant will last 25 years. Fees for the service range from $40 to $90. Humane societies, pet hospitals, and animal control facilities have scanners, which allow them to match the serial number on the chip with the owner's name. Along with dogs, cats and horses, birds can get microchips too. Dr. Gutlaizer says these high-tech IDs are now required for animals traveling internationally.

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Don't Mix Cruise Control with Rain or Ice
Never use the cruise control on your car in bad weather. That advice is coming from Augie Barone, Service Writer for a Diamond Certified company. What can happen is that traction control systems will not work in some vehicles when the cruise control is on. If you have to make a sudden stop, you might panic and slam on the brakes, which is the wrong thing to do. When you're dealing with wet or icy pavement, it's better to ease up on the accelerator and back off the throttle gradually. That isn't an option if the cruise control is on because you have to touch the brake pedal to disengage cruise control. It's best to use the cruising feature in good weather when you're traveling at high speed for long distances.

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No More Whining Over the Wine Tab
If you're paying the tab for any upcoming parties, one thing to keep an eye on is the wine and how it's served. Co-owners of a Diamond Certified company, tell clients to buy their wine from places that will let you return unopened bottles. They recommend asking the caterer or restaurant staff to save all the bottles, corks and empties too. You get an accurate count that way. Have the servers pour about 1/2 glass for starters, so guests can fully enjoy the flavor and bouquet. On average, you can count on getting 4 to 5 glasses per bottle. Finally, unfinished bottles are yours to take home. Just make sure you transport them in your trunk to be on the safe side.

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Storage: High & Dry!
When you packed up those cardboard boxes to store in the basement or garage last year, it may have been a warm sunny day. Now that it's raining, you may want to do an inspection to make sure everything is staying dry. Deborah Patterson-Garvin, owner of Aloha Moving & Storage, Inc., a Diamond Certified company, warns that any wet and dark area can produce mildew and mold. Boxes stored directly on concrete floors can absorb moisture. Not only do the boxes deteriorate, but moisture can get inside where it can damage papers, documents, books, and whatever else is stored. A good solution is to lay down some wood 2 X 4s, one foot apart and place the boxes on top. This keeps your items away from damp concrete and allows for airflow. At a professional storage facility, nothing is stored directly upon concrete. Everything is on pallets, shelves or racks.

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Hot Tips on Buying Firewood
If you've ever ordered a cord of firewood, you know it's a lot of wood. But you also know it's hard to tell whether you've gotten your money's worth. According to Amy Sinclair, Public Relations Officer for San Francisco's Department of Consumer Assurance (also known as the Department of Weights and Measures in some counties), the measurements of a cord should be roughly 4 feet high by four feet wide, by 8 feet long. The seller should provide a written receipt listing contact information and the type of firewood and amount ordered. With enough notice, a county inspector will even come out to your home to take measurements when the wood is delivered to make sure you're not cheated. These inspectors are also responsible for making sure all gas pumps, electronic scanners and parking meters are accurate.

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Avoid Surprises — Get a Pre-Sale Home Inspection
Getting your home inspected before you put it up for sale makes a lot of sense. Too many people make the mistake of assuming their house is in excellent condition just because they've lived in it for a long time. The knowledge you gain from a pre-sale inspection can virtually eliminate all the hassles a buyer's home inspection causes. If you know what the defects are early on, you decide which ones you will fix. You can take your time comparing repair estimates. Knowing the defects also helps you substantiate your asking price. You are less likely to have a deal that falls through because a home inspector finds a problem. In the end, a complete and formal disclosure report minimizes renegotiations between the buyer and the seller.

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Detecting and Plugging Hidden Leaks
Anytime you get an extraordinarily high water bill, it's time to investigate for hidden leaks. Your toilet is one possible culprit, according to Albert Nahman, owner of Albert Nahman Plumbing, a Diamond Certified company. To see if it's leaking, put a drop or two of food coloring into the tank. Wait a few minutes. If the color shows up in the toilet bowl, you've got a leak. Usually the flapper needs to be replaced. Underground leaks can also run up your bill. To detect those, Mr. Nahman says turn off the valve and make sure no live water is coming out of the faucets. Then go to your meter box. If the red indicator is spinning, you have a leak somewhere in the delivery pipe to your house. Underground leaks may cause wet spots in your yard, but sometimes there's no visible clue.

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How to Care for and Feed Your Garbage Disposer Every time a plumber comes out to unclog my kitchen sink, he tells me about one more thing I should not put down my garbage disposer. So the question I posed to Terry Boden, owner of Boden Plumbing, a Diamond Certified company, is what can I use this appliance for? Mr. Boden says it's best to stick with little things, like coffee grounds, apple cores and lemon peels. You should run the water into the disposer for 1-2 minutes after the food is gone! Ice cubes are good for disposals because they cut grease and sharpen the blades. Do not use your sink's disposer for anything that creates starches (potato peels and rice), fibrous fruits and vegetables (celery, banana peels and artichoke leaves) and don't dump things like big dishes of leftovers into the appliance. Remember that your disposer is not a garbage can.

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How to Give Your Doctor a Check-Up
Have you ever checked out your doctor's credentials? Sometimes those framed diplomas and plaques on office walls don't tell you everything you need to know. The Medical Board of California has a website featuring a service called Doc Finder. Spokeswoman Candace Cohen says once you type in the physician's name, you will see where he or she graduated from medical school, whether the license is up-to-date and if a doctor has been formally accused of wrongdoing by California's Medical Board. The Board discloses all reported cases of discipline by a hospital or another state's board, and felony convictions. Malpractice judgments and arbitration awards since 1993 are also part of a physician's profile. This year the state will start reporting on doctors who have 3 malpractice settlements exceeding $30,000 within a 10-year period for low-risk specialties and 4 or more for high-risk specialties. The website is www.medbd.ca.gov or call 916-263-2382.

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The 411 on Directory Assistance
The cost of calling directory assistance is skyrocketing as some phone companies dig deeper into your pockets, according to Linda Sherry, spokesperson for the non-profit group Consumer Action. In the latest survey, Ms. Sherry found that dialing the area code plus 555-1212 now costs $2.49 for MCI and Sprint customers. While AT&T and Verizon have not increased rates, the charges are high, $1.99 and $1.25 respectively. It is almost always cheaper to get local and national directory assistance by dialing 411, and Sherry says don't pay the extra fee to have them connect you. Residential customers get 3 local numbers free each billing period. After that, you pay 46 cents per call and are allowed 3 listings per call. National directory assistance (any listing outside your service area) is $1.25 per listing and you never get any freebies. You're charged even if the number is not found or unlisted.

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Lazy About Checking Your Oil? You Have Company.
About two-thirds of the people who come in for service at Pennzoil 10 Minute Oil Change are at least one quart or more low on motor oil, according to Darrin Schlafer, Operations Manager for this Diamond Certified company. He says you can't depend on the dashboard oil light to warn you that you're running low. In most cars, by the time the light goes on, your engine is starved for oil. Without enough oil, the system doesn't cool and lubricate properly and the oil breaks down faster. A warning light means you should stop and check the oil level immediately. To avoid engine damage, you must not drive your car if the oil level is low. To play it safe, Mr.Schlafer recommends eyeing the dipstick every time you fill up. Even every other time would be doing your engine a favor.

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A Simple Solution for Your Ant Problem
Spraying the base boards and outside perimeter of your house with pesticide is usually not enough to take care of your ant problem because you're not addressing the source of the infestation, according to a Diamond Certified pest control expert. Hendrick Wong, owner of Ensure Pest Control, says Argentine ants are common in this area, and you have to search out their colonies to get lasting results. You will find them proliferating in shallow soil, underneath flat-sided stones, and underneath bark and trees that attract aphids and other insects. To destroy the colony, pour a mixture of hot water with isopropyl alcohol and dish detergent over the affected areas. Get your neighbors to do the same thing. Only a joint effort will effectively eliminate the ants.

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STOP THIEF! Be Careful What You Discard
I will be the first to admit that I have never thought twice about throwing any and all pre-approved credit card solicitations into the trash. David Rhoads, Vice President of SureShred, a Diamond Certified company, warns against being so careless. He says that identity thieves can easily take these offers from the garbage, change the return address, sign it and get a credit card in your name. This can be just the beginning of your troubles. Once you put something in the trash, it is considered public property and anyone can sift through it. Besides pre-approved credit card ads, you should also destroy credit card and bank statements, driver's license renewal forms, hospital bills, old tax returns, and anything that has your social security number on it.

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A "Key" Strategy That Will Literally Open Doors
It happens all the time, according to locksmith John Anderson, a partner at Mainline Security, a Diamond Certified company. People try to open their front door and the key gets stuck. Kicking the door is not the best solution, although you may feel like it. Mr. Anderson says what you can do instead is turn the key to its usual removal position. Place a finger alongside the key and push in on the lock face before slowly withdrawing the key. This will prevent the key from breaking off in the lock. Spraying the lock with a quality lubricant may help, but avoid using graphite. You may still need to call a service technician later to tighten up the fasteners in the back of the lock cylinder, but the recommended strategy will get you inside and out of a jam.

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Are You Wasting Money on Premium Gasoline?
Many people do not believe Atle Erlingsson, spokesman for the California State Automobile Association, when he tells them that they don't need to buy premium gasoline for their cars. More than 90% of cars run perfectly fine on regular. It is purely a myth that premium gas is cleaner, improves mileage and overall is better for your car. One case where you may need a higher-octane fuel is if you hear a knocking sound after filling up. But Mr. Erlingsson says let your mechanic or auto manufacturer tell you whether you need to buy premium, not an oil company. By switching to a lower-priced fuel, the average driver will save about $200 a year. Some of that savings can be put toward oil changes every 3,000 miles. That will make a bigger difference in your car's performance than premium gas will.

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All That Glitters Is Definitely Not Gold
Why would a gold necklace a friend purchased overseas at a well-established store turn green when she got home? A goldsmith, diamond setter and co-owner of a Diamond Certified Jewelry company, says something can look like gold but only be gold-plated or filled. The necklace was probably made of brass and coated with a thin layer of gold that's worn off. The markings for gold-plated jewelry are 14k h.g.e. and gold-filled jewelry should be marked 1/20 12K k.g.f. Both types should cost a lot less than gold that's gold to the core. It's not wise to buy expensive jewelry when you're out of town on a holiday unless you know what you're doing. If you want a souvenir from another country, Mr. Jordan suggests you stick with the souvenirs!

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