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Why isn't the U.S. Consumer being smarter about their money?
8/14/2007 5:23:38 AM
Why isn't the U.S. Consumer being smarter about their money?

Many people in the U.S. have seen the rise of gas prices and are feeling the effects of the cost eating away their incomes. Increases of over 320% in fuel costs alone are effecting U.S. families. Also, product sales, from groceries to clothing to utilities have increased anywhere from 40% to over 250%. Yet, saleries and wages have not changed. Yes, there was a new increase in minimum wage. But we are only talking about 60 cents an hour increase for the next year. That might help buffer your taxes.

So, I thought I would bring some insight into ways to help cut down on some of your biggest expenses.

The automobile and it's operational costs are the biggest waste to U.S. consumers. Cost of a vehicle, maintenence, insurance, fuel have become so rediculous and is not an appreciable item like a home. A disposable commodity that depreciates in value.

Yes, our society depends on a vehicle everyday. But more than 80% of it's use is wasted. You use it to go to work. But carpooling is not for you and so you drive with the rest of the car empty. There are other scenarios where you drive alone and have no purpose to wasting such fuel and placing wear and tear on such a high cost vehicle. And more people buy SUV's and such others for their vain status. Never mind paying this month's credit card, gotta pay for that high priced SUV.

Plus the cost of insurance for such vehicles, the maintenence ... you can be paying as much foor these as you pay for your home!!!

Ok, yes, you need a vehicle. but how about a suppliment that will not cost you an arm and leg, will get you around to an average of 70 to 100+ mpg, no insurance needed, no registration needed (in most states) and no special licensing? And you can save on your vehicle insurance by cutting mileage use down, save on less gas usage, save on maintenence intervals and more.

Some examples of savings are:

Let's say your solo travels (like going to work) are 15 miles one way per work day. So 30 miles a day by 5 work days equals 150 miles a week. and with 50 weeks of work (take out vaction time and/or time off of 2 weeks) and you can see your work mileage is about 7500 miles a year. This is looked at by the insurance companies at 7500 miles of risk. Add in family things like shopping, kids recitals/sports, etc ... and you have added to the mileage risk. Risk has a price. The more miles the higher the risk. How to bring the price down? Less risk - less miles. You save money on your premiums.

Now with bringing the mileage down on your vehicle you now are delaying time for oil changes, tire rotations and replacement, tune ups, front end alignments, shocks replacement, timing belt replacement ... I can keep going on. Instead of every one or two months to change your oil and filter it can now by every 6 or more months. Less mileage on your vehicle per year also means higher resale value.

Let's look at fuel costs for a moment. The average vehicle get between 22 to 25 mpg. Fuel cost around $3.00 a gallon. And let's say your annual mileage in 12,000 miles you can say that's about 480+ gallons of fuel that comes to somewhere near $1500.00 in fuel cost per year. Let's take your work mileage above, 7500, and convert that over to a 100 mpg alternative. that's about 75 gallons of fuel equalling to about $225.00 in annual fuel costs for work and add vehicle fuel cost (times you need to use the vehicle) for 4500 miles at a cost of $540.00. Your total fuel cost has dropped to $765.00, a savings of $735.00!



The last point I'll make here is that we, in the U.S., have overlooked what many other countries have used as a smart alternative to transportation and to save money. The scooter. A 49cc engine automatic transmission two wheeler that can pay for itself just by the savings you get from using it instead of your vehicle. A very simple an effective alternative to cut costs and is really fun to ride.

Today's scooters are nothing new. Scooters have been around for over 60 years and are used globally. People in the U.S. just haven't set their minds to practical necessity and money savings without any compromise to comfort and luxury. Besides, these are practical for teen youth when they come of age in your state and are being used more by college students on campuses throughout the U.S.

In conclusion, you as a consumer still have choices and control over one of the most expensive part of your life - transportation. A viable means to getting around at a cost that anyone can afford. Scooters make this very possible. Even motorcycle companies like Yamaha, Honda and Suzuki have been tapping into this market with some fine rides. Take a look at a few and see if you don't think it's a great cost saving alternative. They come in single and 2 person models. You can also get larger engine models that will handle 2 persons easily, and you can find touring models and more. Many choices to fit about anyone's taste.







Written by Kenneth R Sword Jr
Copyright 2007 Kenneth R Sword Jr
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Re: Why isn't the U.S. Consumer being smarter about their money?
8/14/2007 5:54:39 AM

Kenneth,

I like your way of thinking, I have been looking at scooters for quite some time.

Would'nt it be great if a vast majority of Americians switched over to using them!

Do you think that all of a sudden we would have an oil glut!

There is a divice that is being developed that will be installed in automobiles, which will allow them to get 50-100 miles per gallon.  The computers in automobiles are set to only allow a certain # of miles per gallon.  This device will over ride the computers and allow them to increase the milage per gallon.

In the testing and development stage is an electric generator that can be installed in homes and commercial buildings that will produce 15 times the electricity that the average home uses. 

Think of the savings that would be!

James Kinney The Cardioman Cardio Cocktail www.drinkcardiococktail.com/30724 Joint Cocktail:www.formor.com/30724 Check My Home Page http://www.viradyne.com/moneypartners
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"Gas-Saving" Products: Fact or Fuelishness?
8/21/2007 1:10:19 AM
I bring to you from the Federal Trade Commission their report:

"Gas-Saving" Products: Fact or Fuelishness?

You can also get the .pdf version here.

"Gas-Saving" Products: Fact or Fuelishness?

Gas prices are up, and so is the volume of advertising for "gas-saving" products. When gasoline prices rise, consumers often look for ways to improve fuel efficiency. Although there are practical steps you can take to increase gas mileage, the Federal Trade Commission (FTC) warns you to be wary of any gas-saving claims for automotive devices or oil and gas additives. Even for the few gas-saving products that have been found to work, the savings have been small.

"Gas-Saving" Advertising Claims

Be skeptical of the following kinds of advertising claims.

  • "This gas-saving product improves fuel economy by 20 percent."
    Claims usually tout savings ranging from 12 to 25 percent. However, the Environmental Protection Agency (EPA) has evaluated or tested more than 100 alleged gas-saving devices and has not found any product that significantly improves gas mileage. In fact, some "gas-saving" products may damage a car's engine or cause substantial increases in exhaust emissions.
    The gas-saving products on the market fall into clearly defined categories. Although the EPA has not tested or evaluated every product, it has tried to examine at least one product in each category. See "Devices Tested by EPA" at the end of this brochure for category descriptions and product names.
  • "After installing your product on my car, I got an extra 4 miles [6.4 kilometers] per gallon [3.8 liters]."
    Many ads feature glowing testimonials by satisfied customers. Yet, few consumers have the ability or the equipment to test for precise changes in gas mileage after installing a gas-saving product. Many variables affect fuel consumption, including traffic, road and weather conditions, and the car's condition.
    For example, one consumer sent a letter to a company praising its "gas-saving" product. At the time the product was installed, however, the consumer also had received a complete engine tune-up - a fact not mentioned in the letter. The entire increase in gas mileage attributed to the "gas-saving" product may well have been the result of the tune-up alone. But from the ad, other consumers could not have known that.
  • "This gas-saving device is approved by the Federal government."
    No government agency endorses gas-saving products for cars. The most that can be claimed in advertising is that the EPA has reached certain conclusions about possible gas savings by testing the product or by evaluating the manufacturer's own test data. If the seller claims that its product has been evaluated by the EPA, ask for a copy of the EPA report, or check www.epa.gov for information. In some instances, false claims of EPA testing or approval have been made.


Product Complaints and Refunds

If you're dissatisfied with a gas-saving product, contact the manufacturer and ask for a refund. Most companies offer money-back guarantees. Contact the company, even if the guarantee period has expired.

If you're not satisfied with the company's response, contact your local or state consumer protection agency or the Better Business Bureau.

Shifting Gears: Real Money-Saving Steps

There are numerous no- or low-cost steps you can take to combat rising gas prices. The most important place to start is at the gas pump; buy only the octane level gas you need. All gas pumps must post the octane rating of the gas under the FTC's Fuel Rating Rule. Remember, the higher the octane, the higher the price. Check your owner's manual to determine the right octane level for your car.

Here are some additional tips from the EPA to help you get better gas mileage.

Drive more efficiently

  • Stay within posted speed limits. The faster you drive, the more fuel you use. For example, driving at 65 miles per hour (mph), rather than 55 mph, increases fuel consumption by 20 percent. Driving at 75 mph, rather than 65 mph, increases fuel consumption by another 25 percent.
  • Use overdrive gears. Overdrive gears improve the fuel economy of your car during highway driving. Your car's engine speed decreases when you use overdrive. This reduces both fuel consumption and engine wear.
  • Use cruise control. Using cruise control on highway trips can help you maintain a constant speed and, in most cases, reduce your fuel consumption.
  • Anticipate driving situations. If you anticipate traffic conditions and don't tailgate, you can avoid unnecessary braking and acceleration, and improve your fuel economy by 5 to 10 percent. In city driving, nearly 50 percent of the energy needed to power your car goes to acceleration. Go easy on the gas pedal and brakes. "Jack-rabbit" starts and sudden stops are wasteful.
  • Avoid unnecessary idling. Turn off the engine if you anticipate a lengthy wait. No matter how efficient your car is, unnecessary idling wastes fuel, costs you money and pollutes the air.
  • Combine errands. Several short trips taken from a cold start can use twice as much fuel as one trip covering the same distance when the engine is warm.
  • Remove excess weight from the trunk. Avoid carrying unneeded items, especially heavy ones. An extra 100 pounds in the trunk reduces a typical car's fuel economy by one to two percent.

Maintain your car

  • Keep your engine tuned. Studies have shown that a poorly tuned engine can increase fuel consumption by as much as 10 to 20 percent depending on a car's condition. Follow the recommended maintenance schedule in your owner's manual; you'll save fuel and your car will run better and last longer.
  • Keep your tires properly inflated and aligned. Car manufacturers must place a label in the car stating the correct tire pressure. The label usually is on the edge of the door or door jamb, in the glove box, or on the inside of the gas cap cover. If the label lists a psi (pounds per square inch) range, use the higher number to maximize your fuel efficiency. Underinflated tires cause fuel consumption to increase by six percent.
  • Change your oil. Clean oil reduces wear caused by friction between moving parts and removes harmful substances from the engine. Change your oil as recommended by the vehicle manufacturer.
  • Check and replace air filters regularly. Your car's air filter keeps impurities in the air from damaging internal engine components. Not only will replacing a dirty air filter improve your fuel economy, it also will protect your engine. Clogged filters can cause up to a 10 percent increase in fuel consumption.

Consider buying a fuel efficient vehicle

Deciding which vehicle to buy may be the most important fuel economy decision you make. The difference between a car that gets 20 MPG (miles per gallon) and one that gets 30 MPG amounts to $3,125 over 5 years, assuming gas costs $2.50 per gallon and you drive 15,000 miles a year.

Visit www.fueleconomy.gov for more information. You’ll find gas mileage estimates and other data from EPA for 1985-2007 model year cars.

EPA Evaluation Efforts

The EPA evaluates or tests products to determine whether their use will result in any significant improvement or detriment to fuel economy. However, the EPA cannot say what effect gas-saving products will have on a vehicle over time because it hasn't conducted any durability tests. It's possible that some products may harm the car or may otherwise adversely affect its performance. In fact, today's vehicles' emission control systems are very sophisticated and complex. They have On Board Diagnostic features that alert the driver to problems associated with the emission control and fuel delivery systems. Retrofit products may have an adverse effect on these systems.

Devices Tested by EPA

The following list categorizes various types of "gas-saving" products, explains how they're used and gives product names. Those with asterisks may save measurable, but small, amounts of gas. All others have been found not to increase fuel economy.

Air Bleed Devices. These devices bleed air into the carburetor. They usually are installed in the Positive Crankcase Ventilation line or as a replacement for idle-mixture screws.

The EPA has evaluated the following products: ADAKS Vacuum Breaker Air Bleed; Air-Jet Air Bleed; Aquablast Wyman Valve Air Bleed; Auto-Miser; Ball-Matic Air Bleed; Berg Air Bleed; Brisko PCV; Cyclone-Z; Econo Needle Air Bleed; Econo-Jet Air Bleed Idle Screws; Fuel Max*; Gas Saving Device; Grancor Air Computer; Hot Tip; Landrum Mini-Carb; Landrum Retrofit Air Bleed; Mini Turbocharger Air Bleed; Monocar HC Control Air Bleed; Peterman Air Bleed; Pollution Master Air Bleed; Ram-Jet; Turbo-Dyne G.R. Valve.

Vapor Bleed Devices. These devices are similar to the air bleed devices, except that induced air is bubbled through a container of a water and anti-freeze mixture, usually located in the engine compartment.

The EPA has evaluated: Atomized Vapor Injector; Frantz Vapor Injection System; Hydro-Vac: POWERFUeL; Mark II Vapor Injection System; Platinum Gasaver; V-70 Vapor Injector; SCATPAC Vacuum Vapor Induction System: Econo-Mist Vacuum Vapor Injection System; Turbo Vapor Injection System.

Liquid Injection. These products add liquid into the fuel/air intake system and not directly into the combustion chamber.
The EPA has evaluated: Goodman Engine System-Model 1800; Waag-Injection System*.

Ignition Devices. These devices are attached to the ignition system or are used to replace original equipment or parts.
The EPA has evaluated: Autosaver; Baur Condenser; BIAP Electronic Ignition Unit; Fuel Economizer; Magna Flash Ignition Control System; Paser Magnum/Paser 500/Paser 500 HEI; Special Formula Ignition Advance Springs.

Fuel Line Devices (heaters or coolers). These devices heat the fuel before it enters the carburetor. Usually, the fuel is heated by the engine coolant or by the exhaust or electrical system.
The EPA has evaluated: FuelXpander; Gas Meiser I; Greer Fuel Preheater; Jacona Fuel System; Optimizer; Russell Fuelmiser.

Fuel Line Devices (magnets). These magnetic devices, clamped to the outside of the fuel line or installed in the fuel line, claim to change the molecular structure of gasoline.

The EPA has evaluated: PETRO-MIZER; POLARION-X; Super-Mag Fuel Extender; Wickliff Polarizer [fuel line magnet/intake air magnet].

Fuel Line Devices (metallic). Typically, these devices contain several dissimilar metals that are installed in the fuel line, supposedly causing ionization of the fuel.

The EPA has evaluated: Malpassi Filter King [fuel pressure regulator]; Moleculetor.

Mixture Enhancers (under the carburetor). These devices are mounted between the carburetor and intake manifold and supposedly enhance the mixing or vaporization of the air/fuel mixture.

The EPA has evaluated: Energy Gas Saver; Environmental Fuel Saver; Gas Saving and Emission Control Improvement Device; Glynn-50; Hydro-Catalyst Pre-Combustion Catalyst System; PETROMIZER SYSTEM; Sav-A-Mile; Spritzer; Turbo-Carb; Turbocarb.

Mixture Enhancers (others). These devices make some general modifications to the vehicle intake system.

The EPA has evaluated: Basko Enginecoat; Dresser Economizer; Electro-Dyne Superchoke; Filtron Urethane Foam Filter; Lamkin Fuel Metering Device; Smith Power and Deceleration Governor.

Internal Engine Modifications. These devices make physical or mechanical function changes to the engine.

The EPA has evaluated: ACDS Automotive Cylinder Deactivation System*; Dresser Economizer; MSU Cylinder Deactivation*.

Accessory Drive Modifiers. These devices reduce power to specific auto accessories.

The EPA has evaluated: Morse Constant Speed Accessory Drive **; P.A.S.S. Kit**; PASS Master Vehicle Air Conditioner**.

Fuels and Fuel Additives. These materials are added to the gas tank.

The EPA has evaluated: Bycosin; EI-5 Fuel Additive; Fuelon Power; Johnson Fuel Additive; NRG #1 Fuel Additive; QEI 400 Fuel Additive; Rolfite Upgrade Fuel Additive; Sta-Power Fuel Additive; Stargas Fuel Additive; SYNeRGy-1; Technol G Fuel Additive; ULX-15/ULX-15D; Vareb 10 Fuel Additive; XRG #1 Fuel Additive.

Oils and Oil Additives. Usually these materials are poured into the crankcase.

The EPA has evaluated: Analube Synthetic Lubricant; Tephguard.

Driving Habit Modifiers. These are lights or sound devices to tell the driver to reduce acceleration or to shift gears.

The EPA has evaluated: AUTOTHERM**; Fuel Conservation Device; Gastell; IDALERT**.

Miscellaneous. The EPA has evaluated: BRAKE-EZ; Dynamix; Fuel Maximiser; Gyroscopic Wheel Cover; Kamei Spoilers**; Kat's Engine Heater; Lee Exhaust and Fuel Gasification EGR; Mesco Moisture Extraction System; P.S.C.U. 01 Device; Treis Emulsifier.

* Indicated a very small improvement in fuel economy but with an increase in exhaust emissions. According to Federal regulations, installation of this device could be considered illegal tampering.

** Indicated a very small improvement in fuel economy without an increase in exhaust emissions. However, cost-effectiveness must be determined by the consumer for a particular application.

For More Information

For information about EPA test procedures and test results, visit www.epa.gov/otaq/consumer.htm or write: Verification and Compliance Division, Office of Transportation and Air Quality, Environmental Protection Agency, 2000 Traverwood Drive, Ann Arbor, MI 48105; or call: 734-214-4925.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

September 2006

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