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How to Improve Gas Mileage

This month in honor of our 30-Day Interest Free Title Loan promotion we’ve been focusing on how you can get the most out of your vehicle. In addition to getting money from a title loan you can also focus on saving money with your vehicle by getting the best fuel mileage. With the economy in the state that it is currently in, most everyone is looking to save a little pocket change. Maybe you’re trying to save up for that latest piece of technology, or maybe you’re trying to save money so that you can for your children to go to college.

Whatever the case may be, it is safe to say that most people wish they had a little bit more money. One way to get more money is to simply rearrange the money you already have to put it to better use.

There is no use in adding more hours at your current job if you can just make simple changes in the way you are handling your money now. One of the easiest ways to save money is to buy gas for your car less often.

The major way to buy gas less often is to get better gas mileage while you’re driving. This is one of the most common topics floating around the country today.

Many people complain about how high the price of gas is, but they don’t stop to think about what they’re doing to buy gas less often. Rather than complaining about what you can’t change, it is crucial that you make changes on the things that you can’t change.

One of the ways that you can make the biggest change in your gas mileage is to buy a fuel-efficient vehicle. While this will obviously not be an option for a lot of people, it is an option for a small population.
If you are looking to buy a new car, make a list of priorities of qualities that you want in your new car. Make sure that high gas mileage is near the top of the list.

Get Fuel Mileage AND Performance!

If engine performance is also a top priority for you, do not fret. There are still lots of vehicles that are performance vehicles that still get great gas mileage.

If you want a small car that still has a great engine, you could consider buying a Honda Civic Hybrid, a Volkswagen Jetta TDI, a Honda Civic HF, a Toyota Corolla LE, a Ford Focus SE SFE, a Honda Civic LX, a Dodge Dart Rallye, a Hyundai Elantra GLS, a Honda Civic EX, or a Nissan Sentra SV. All of these cars get great gas mileage and will accelerate from 0-60 mph in 10.9 seconds or less.

If you want to purchase a fuel-efficient hatchback, you could buy a Ford Focus Electric, a Nissan Leaf SL, a Chevrolet Volt, a Toyota Prius Four, a Toyota Prius C Two, a Lexus CT 200h Premium, or a Honda Insight EX. Each one of these hatchbacks can accelerate from 0-60 mph in 11.8 seconds or less.

As you can see from the above paragraphs, there are many, many options available to you if you’re looking for a car that gets great gas mileage. The Toyota Prius is not the only car on the market anymore that is fuel-efficient.

There are also fuel-efficient options if you are looking for a large SUV, a midsize SUV, a small SUV, a minivan, a roadster, a family car, a luxury car, a pickup truck, or a wagon. The possibilities are truly endless when it comes to fuel-efficient cars.

If you are not in the market to buy a new car, however, there are still things you can do in order to increase the fuel economy of your current vehicle. One of the main things you can do is to keep your car in good working order.

Make sure that your car has had a recent tune-up. Cars that aren’t well-maintained use more gas than cars that are well-maintained. You want your car to run as efficiently as possible.

In particular, make sure to change dirty air filters and old spark plugs. These things in particular can help improve your gas mileage on a daily basis.

It is also important that you keep your tires properly inflated. Having tires that are inflated too much or too little can greatly affect your overall gas mileage.

Another thing you can do is try to find the best gas prices in your area every time you fill up your tank. You can use sites like gasbuddy.com in order to find the best gas prices near you.

Should You Be Filing a Tax Extension?

It’s April 15, 2013 and that means that the mad dash to midnight has begun. For the tens of thousands of Americans who have left their taxes until the last minute it’s decision time, do you try to rush and get your taxes done and risk the chance of missing out on hundreds or thousands of dollars in missed tax deductions or do you file an extension and possibly prolong the stress of tax season. Well regardless of which route you decide to go Check City Lighting Tax Services can help. Here are several of the ways that our Lightning Tax services can help you this season.

File an Extension- If April 15th snuck up on you this year and you haven’t even begun to think about doing your taxes then you’ll probably want to consider applying for a tax extension. If you need help with this you can stop by any of our Check City locations for help with filing a tax extension including help with filling out the tax extension form and putting together a plan to get your taxes done as quickly as possible. One thing to keep in mind with a tax extension is that just because you file a tax extension it doesn’t mean that you no long have to pay on taxes you owe. In a recent study it was found that almost half of Americans weren’t aware that they still had to pay taxes even though they had filed a tax extension.

Still Do Taxes- While it may seem like very last minute, if you have all of your information ready but you’re intimidated by all of the tax forms there is still time to stop by your local Check City location and get your taxes filed. By taking advantage of our Lighting Tax program you can also see if you qualify for one of our tax return loans so that you can get your money more quickly. Also, it’s important to point out that if you don’t actually owe any money to the government they are more lenient on the tax deadline.

Set Up Payment Plans- Many people have no idea that you can actually set up a payment plan with the IRS. More and more people are using this option ith as tough as the economy has been in recent years. If you find yourself in the situation where you know you owe money but won’t be able to pay it all off right away you can stop by one of our many Check City locations and have our knowledgeable tax professionals help you file a payment plan. The great thing about these payment plans is that you can outline what you feel is reasonable and what you can work into your budget , however, it is up to the IRS to accept or reject your proposed payment plan.

Short Term Loans- If you know that you’ll have the cash within a couple weeks to pay off your taxes but you just don’t have the money right now then we recommend utilizing one of our many services to help you get the cash to pay off your taxes right now. If you own your car one of the best options right now is to take advantage of our 30-Day Interest Free Title Loan. By taking advantage of this interest free title loan you’ll be able to pay off your taxes now and not have to pay an interest on the loan for 30 Days! If you don’t have a title in hand with any of your vehicles then another option would be to get a cash advance or payday loan. As always we recommend being responsible with these loans so if you don’t think you’ll have the money to pay them off within a few weeks then the tax payment plan may be a better option for you.

If you have any tax questions feel free to stop by your local Check City or leave them in the comment section below.

Springtime Car Tips

Spring showed its beautiful face for only a couple days and gave all the hope that winter had past. But recent weather across the nation, and especially in the west, has showed that the winter is not over just yet.

Winter storms and winter weather are a common occurrence throughout the spring time for many areas of the country. The sporadic and varying warm and cold weather of spring has left many communities to claim that if outsiders don’t like the weather, all they need do is wait fifteen minutes.

While the colloquial saying has been adopted by numerous communities, there is still some shade of truth to be found in their assertions. Spring is a blending of weather, from rain to sunshine to and sometimes back to bitter cold and snow.

The continued cold weather means that all of the dangers associated with winter weather must still be considered and prepared for by all. For many, these winter preparations and precautions will include re-winterizing their vehicle for their daily commute.

Winterizing one’s vehicles, even at the tail end of the winter season, can greatly improve the reliability of a person’s vehicles throughout the spring and into the summer. The first step that people can take to guard their vehicle against the continued colder weather is to ensure that the car is up to date on its maintenance.

Vehicle Maintenance is Essential

Proper maintenance of the vehicle should include having the oil changed regularly. As the sporadic weather of spring turns an engine cold, the oil in that engine may thicken, reducing the oil’s ability to lubricate the engine properly.

By keeping up with the maintenance schedule of a vehicle, the vehicle’s owner will be able to ensure that the engine runs smoothly throughout the tail end of winter. Additionally, the owner’s manual of the vehicle may include suggestions as to which type of oil should be used during the cold months of next year to avoid this oil-thickening issue.

Other items on the vehicle can likewise be re-winterized to improve performance. Wiper blades can be upgraded to ensure clear visibility during the wet spring months as can the car’s battery to prevent the cold days from draining the vehicle’s power supply.

More winterizing tips for vehicles include purchasing and equipping snow tires, keeping those tires properly inflated, and using the right anti-freeze for the make and model of the vehicle. By re winterizing their vehicle properly, individuals can better ensure that their spring commutes will go more smoothly.

Need Cash? How About a Title Loan

Another responsible use of a person’s car is to help them get back on their feet financially with a title loan. A car is an asset owned by a person and can therefore be used to help the person or their family to achieve financial stability.

But what is a title loan? How can it help a family financially? These and questions and others like them are common questions that some people have when they hear the phrase “title loan”.

At its most basic level, a title loan from Check City is a loan issued to an individual that is borrowed against, and therefore based upon, the value of that individual’s car. Or in other words, a person can receive a loan from Check City by borrowing against the value of their car.

A title loan is an effective and efficient way to receive a loan because it is classified as a secured personal loan. This means that the loan’s interest rates will be lower and the terms of agreement for restitution will be more flexible than they would be for other types of loans.

A title loan from Check City can be a financially reasonable option for those who are in need of a short term loan of money to help them pay for such irregularities as an emergency hospital visit or an expedient home repair expense. These people should first determine whether they can afford a loan by looking at their finances and determining if their income is sufficient to support an additional debt.

It should be here noted, however, that for emergency situations a title loan is perhaps the best way to receive a safe and affordable loan from a trusted financial institution such as Check City. This is because a title loan will provide enough money in the form of a loan to cover expedient needs without charging exuberant costs in interest rates.

What Does it Take to Get a Title Loan?

Applying for title loans at Check City is surprisingly simple. All that is required by Check City to approve your title loan is the following:

  • Your vehicle on hand, the car’s title, and spare key
  • Valid Picture ID
  • Proof of insurance and registration
  • Proof of residence
  • Proof of income

Bring these items into one of our many Check City locations today to apply for and receive your title loan.

3 Fast Ways to Fix a Toothache

Getting Rid of a Toothache

A throbbing tooth can make it difficult to go about your day—it makes it hard to eat, drink, and enjoy doing the things you love the most.

Getting rid of a toothache should ideally involve you taking a trip to the dentist office. Most toothaches are caused by some sort of dental infection, and only a qualified dentist can diagnose the problem and effectively treat it. If a toothache gets worse, it can lead to increased pain and life-threatening blood poisoning (once the bacteria from the infection gets into your blood).

Of course, a toothache reaching this point is extremely rare. You’re probably more concerned at making the pain go away in the short term and getting rid of your toothache fast. Here are a few ways to ease the pain while you wait for your appointment with the dentist.

Fast Relief

One thing you can do right of the bat is take an anti-inflammatory pill (like Ibuprofen or Aspirin). This will ease your pain fairly quick, and perhaps make it more tolerable for a while until it dies down. Be sure to follow the directions on the package when using any over-the-counter pain medication.

Applying a cold press is another quick and effective method of calming tooth pain. Take some ice from the freezer and wrap it in a cloth, then press it against your cheek where you’re experiencing the toothache. Not only will it numb the pain, it will also help take down any swelling you might have.

Finally, one of the best ways to get fast relief from a toothache is to sleep it off. Although the pain may make it difficult to fall asleep, oftentimes you will wake up feeling better and energized. Also, your body needs sleep in order to fight infection, and depriving yourself of sleep will only make things worse.

Cleaning a Throbbing Tooth

You need to keep up your daily oral health routine even when you have a toothache. This means proper brushing and flossing. Carefully floss around the problem tooth, brush gently, and rinse with mouthwash. Sometimes this can help with the pain, and help it from getting worse.

Home Remedies That May Offer Relief

While you’re waiting for your dentist appointment, you may decide to try out a few home remedies to help ease the pain and get rid of your toothache fast. Here are a few ways that could prove beneficial:

  • Gargle salt water
  • Dab your tooth with a little clove oil (more than a drop or two can make the toothache worse)
  • Clean your tooth with a Q-tip dipped in hydrogen peroxide (do NOT swallow the hydrogen peroxide)

You might find that your toothache goes away after some quick home treatment. This doesn’t necessarily mean that you should cancel your dentist appointment. There may be some lingering problem that will just flare up again if you choose to ignore it.

See the Dentist

If you have a toothache that won’t go away, it is important that you go and visit the dentist as soon as possible. A dentist will be able to find the underlying problem that is causing your pain, and perform the correct procedures to alleviate it. This could include:

  • A dental filling
  • Root canal
  • Tooth extraction
  • Wisdom tooth removal

After your toothache is remedied by the dentist, be sure to follow all of the appropriate instructions for healing so you can have a healthy mouth once again. After all, prevention is far more effective than any form of treatment.

4 Useful Family Vacation Tips

Easily Plan a Vacation Your Whole Family Will Enjoy

Remember summer vacations as a kid? Most of them probably bring back good memories of relaxation, delicious food, and enjoying family time. However, now that you’re the adult planning your own family vacation, you start to realize how stressful and difficult that can be!

Finding available dates for your vacation, planning a trip that everyone will enjoy, and keeping a balance of play and rest can be tricky.

Follow these great family vacation tips for an amazing time with your family this summer.

Find Time

Summer months are busy and fly by fast! Your first priority when planning your vacation is scheduling the time off. You will need to decide what dates are going to work best for your entire family.

Sit down together with your work schedules, personal calendars and the summer activity schedules of your children. Once you find a chunk of time that works for everyone, block off this time in your calendars and label it: family vacation. By doing this, you can make sure nothing will get double-booked with your family vacation.

Request time off of work early so you know you won’t have any conflicts. If your children will be missing part of a summer activity, talk to their coach or leader and make sure they are aware that your child will be gone; ask what they will miss and if they need to make up any of those missed activities.

Budget

Consider how much money you have to spend. This will ultimately dictate where you can afford to go and for how long. Even a simple vacation close to home will be fun and memorable. It doesn’t take a lot of money to have a good time if you plan ahead. Finding family vacation ideas on a budget can really make the vacation creative and fun.

There are plenty family vacation ideas on a budget but a really important idea is to book in advance. Don’t put it off until the last minute, or you will have the consequence of a very expensive plane ticket, or hotel.

Plan a Destination

After deciding how long your vacation will be and when you are going to be gone, you can then start to decide which destination will be the best for your family. This decision usually goes smoother when made by the adults.

Your children may insist on going to a theme park when you would rather visit your parents this year. While doing this, plan the trip that will be the most memorable and meaningful and the one within your budget. Keep an early eye out on cheap family vacation ideas throughout the year to save money.

Some families like to stick with the same destination each year. Visiting the same location can create a sense of tradition for your family. You get to know the area very well over time, so you always know what to expect, what to pack, and what activities you can do while you are there.

Other families like to plan a sense of adventure and try new things when they head out on vacation. If you like to be more daring and choose a new destination every year, then you might want to plan your destination as a family.

Plan Activities

After you have decided on a location, you can start planning the activities. Talk with each of your children and make sure you plan something that they will all be excited about.

Your children may have very differing interests, but if they each have something to look forward to, they will be sure to enjoy the trip. They will also be more patient while participating in an activity that you or their siblings are excited about.

Be sure to plan some downtime. If you’ve booked too many activities, you could get grouchy with each other quickly. Keep in mind that vacations are about more than just filling your day with places to go and things to see. Schedule some time to catch your breath and unwind, too.

Most importantly, follow your schedule loosely; be adaptable when needed. For example, if you end up enjoying one activity, but have another one planned soon after, don’t feel rushed to leave. See if you can attend the next event later or on a different day, or maybe just cross it off your list and skip it.

As mentioned above, your budget for your vacation should be set early. However, if you find you don’t have enough funds once you are scheduled to go out on vacation, stop by a convenient Check City location to take out a title loan. We will have you out the door quickly, with your cash so you can get on your way to a great family vacation in no time. We hope you have learned great family vacation tips, thank you for reading!

3 Important Sun Safety Tips

Safely Enjoying the Sun

As summer starts, it is important to understand how you can safely enjoy the sun without getting burned. When the sun starts to come out and you’re relaxing on the beach, you want to enjoy the time in the sun without hurting your body. Here are some great sun safety tips:

Always Wear Sunscreen

First, you should always be wearing sunscreen. Your sunscreen should protect you against UVA and UCB rays. Reapply your sunscreen on a consistent basis and apply it with enough time to soak into your skin before heading out into the sun. Wearing sunscreen is very important for all ages and is a great sun safety tip.

There are a few spots that majority of people always forget to apply sunscreen to. For example, most people forget that when ears are exposed to the sun, they are the first things to burn. Another painful place to have a sunburn is the part in your hair. It may be uncomfortable to apply sunscreen there, but it’s even more uncomfortable when it’s burnt. For some reason many people forget that feet need sunscreen, too. The top of your feet are often forgotten when it comes to applying sunscreen.

Often times, young ones forget to apply sunscreen. Make sure your kids always have sunscreen applied frequently on them, to ensure they don’t get burnt. Kids are in the sun much more than adults and lose track of time because how much fun they are having. Making sure they are protected with sunscreen is great sun safety for kids.

Wear Protective Covering

Second, when you know that you are going to be in the sun for an extended amount of time you should have some type of covering. Whether this means bringing a big umbrella to the beach or wearing a hat when you are out walking, you want to cover your skin the best you can. Allowing yourself to have some shade can also be very refreshing when you are spending a lot of time in the sun. Protective covering is a great sun safety tip and is also very important for sun safety for kids and everyone.

Destinations that Need More Sunscreen

Beaches like Hawaii are dangerous places because of their proximity to the water and the sun. Not only can the water reflect the sun, but the sand can, too. Make sure to wear a powerful sunscreen and reapply it frequently.

Summer isn’t the only thing to worry about. Skiing in Colorado can be just as dangerous as swimming in Hawaii because of the high altitude and reflective snow. In fact, the higher the altitude, the higher percentage of UV radiation, making the UV rays in Colorado much stronger than at sea level. Don’t forget your sunscreen or sunglasses on this trip.

Going on a cruise to the Caribbean sounds like a relaxing vacation, but don’t forget to put on all the necessary sunscreen. With constant trips outside in the water to swim, snorkel, scuba dive, or play with dolphins and sting-rays, you may get sick of how often you have to apply and reapply sunscreen, but without it you’ll be burnt to a crisp before you know it.

Don’t let the cloudy skies fool you. You can still get extremely burnt on a cloudy day. Most people forget to apply sunscreen on a cloudy day. If you’ll be spending time outside, don’t underestimate the power of UV rays and wear sufficient protection. In fact, on a cloudy day, UV rays can be even more powerful than usual because they are magnified by the clouds.

If you plan on visiting any of these destinations, or any similar destinations with powerful UV rays, take extra precaution and bring plenty of powerful sunscreen to protect yourself. Skin cancer can manifest itself in freckles and moles, so cover any of yours with band-aids in the sun.

We hope you have enjoyed our sun safety tips. Thanks for reading!

What is a Title Loan?

If you have heard about title loans in the past, but you do not quite understand what they are you may want to learn more. A title loan is a fast and easy way to get the cash that you need. When you take out a title loan you will be taking out cash against the value of your car. The loan that you are taking out, you will be able to secure rates that are better than the majority of rates you will find with other types of loans. The terms on a title loan can also be much more flexible than the terms on other types of loans that you may find.

When you head into a Check City location to take out a title loan you want to make sure that you have your vehicle, title and a spare key. You should also be sure that you have proof of insurance and registration, a picture ID, proof of residence and also proof of income. Take time to collect all of these documents before you head into Check City to take out a title loan.

After you have all of these documents ready, you will want to make sure that you stop by a Check City location and fill out the application form that is required. After the application has been filled out, you will then have to wait as a Check City employee preforms a quick inspection and processes your application. The employee will then offer you a loan amount based on a percentage of the value of your car. Then, you can drive away in your car with the money that you need to make ends meet.

A title loan is a great way to get fast and easy cash. If you have never considered a title loan before you may want to look into this option when you need cash.

Planning Your Child’s Birthday Party

When you are planning a birthday party for your child, you should be sure that you are wise about the process.  You want to make sure that you are planning something that is age appropriate and comfortable for your child.  Be sure that you do not get too carried away with the planning process and forget to talk to your child about what he or she wants.

First, you will want to talk with your child about the type of birthday party he or she wants to have.  This way, you can be sure that you are focusing on your child throughout the planning process rather than planning what you think your child should have.  When your child is very young, you will have to choose the theme of the birthday party for your child.  You should also make sure that you are taking time to write out the guest list with your child.

Second, be sure that you are getting everything ready for the birthday party early.  You do not want to be running around on the day of the party putting things together last minute.  This will make you stressed and take the fun feeling out of the day for your child.  Be sure that the planning process is fun for your child.

Third, if you find that you are short on cash as you are planning a birthday party for your child and buying the right supplies, you will want to look into taking out a title loan. A title loan can is a safe, quick and easy way to ensure that you can get the cash that you need to get the supplies for your child’s birthday party.  You can walk away with your car and the cash that you need to ensure that your child’s birthday party goes off without a hitch.

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