Dollar Pinching: A Consumer's Guide to Smart Spending (Money - America's Financial Advisor)

Dollar Pinching: A Consumer's Guide to Smart Spending (Money - America's Financial Advisor) Review

Dollar Pinching: A Consumer's Guide to Smart Spending (Money - America's Financial Advisor) Overview

Shows how average Americans can save large sums of money on their most expensive purchases, from decreasing their mortgage, medical, and insurance costs to buying designer clothes at discount rates to lowering their credit card fees.

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Memphis BBQ - Seven Restaurants in Seven Days.

I am a huge Barbecue Fanatic. So one of my favorite places to visit on Earth is Memphis, Tennessee. The home of the Blues is also the home of some delicious Memphis Barbecue.

There is nothing else quite like sinking your teeth into the smokey goodness of the just right ribs at Charlie Vergo's Rendezvous or enjoying the Blues-backed tangy sauces on Beale Street. If you live for good barbecue it's hard to go wrong in Memphis because there is a great joint on almost every corner. Your biggest problems you will have will be deciding were to begin, where to go next and not wanting to leave.

Here are my can't-miss choices for Memphis Barbecue Heaven if you have a week to eat in the Home of the Blues.

I'd suggest beginning at the most storied of all of Memphis barbecue restaurants, Charlie Vergo's Rendezvous. You enter the restaurant from an alley that's full of heavenly smells of smoking pork and customers waiting to get a seat. How can you not love a world famous barbecue joint that's in an alley? The 'Vous is known for it's "dry ribs" that use only a spicy barbecue rub and no sauce. Not to worry if you love barbecue sauce -- a cold drink of beer with each bite will work just nicely.

The Rendezvous is in midtown near the world famous Peabody Hotel. Head a couple of blocks south to "The Home of the Blues", Beale Street, and you will find several more excellent restaurants to try. Sitting right across the street from each other at the entrance to Beale are B B King's and Blues City Cafe. Both serve tangy sweet, sauce covered ribs and pulled pork with a backdrop of some of the best blues music you'll ever hear. Both restaurants feature full menus, ranging from gumbo to crab. But who cares -- we're here to eat barbecue!

East a bit on Beale, past the Elvis stores, the Blues bars and Fed-Ex Forum, you'll find Silky O'Sullivan's. Don't let the Irish name fool you. Mr. O'Sullivan knows his barbecue. Start your meal with a plate of BBQ Nachos then get down to serious eating with a rack of the ribs. Just be careful with the "Diver!"

Getting out of the downtown area, don't miss Corky's and Interstate. Even though both places have gone "chain" and are apt to be full of tourists, both have excellent barbecue and you can pick up a bottle or two of their sauce to take home with you.

On the last night of your stay treat yourself with a trip to the place where the locals go when they want barbecue, Cozy Corner. Michael Stern of "Roadfood" says, "If you have time for just one barbecue meal in Memphis (or anywhere on earth), go to Cozy Corner." The specialties of this down-home joint are barbecued cornish game hens, barbecued spaghetti and barbecued baloney. All three have to be tried to be believed.

That's seven day's worth of Memphis barbecue for a normal person to try or about a day and a half's worth for the true barbecue Nut. But even if You eat barbecue for lunch and dinner, you can get your fill in Memphis.

Michigan Cheap Car Insurance

To get cheap car insurance in Michigan, you must first start with Michigan's minimum car insurance requirements. After all, there is no reason to purchase cheap car insurance if it is not going to be deemed a legal amount of coverage.

With the exception of motorcycles and commercial motor vehicles, all cars in Michigan must carry no-fault insurance. You can not register your car in Michigan without first having no-fault car insurance. In a nutshell, no-fault insurance provides car insurance coverage for you, the policyholder. The other party involved is covered by his or her own car insurance company.

There are three kinds of car insurance coverage required by Michigan: personal injury protection (PIP), bodily and property damage (BI/PD) and property protection insurance (PPI). A car insurance policy in Michigan covering these three components is a basic car insurance policy.

None of these car insurance requirements provide insurance coverage in the event your car is damaged or stolen. In Michigan, you must purchase collision insurance coverage and comprehensive insurance coverage in order to insure your car in the event of damage or theft. Collision car insurance coverage provides coverage for damages to your car, while comprehensive car insurance coverage provides coverage for theft of your car or its components and contents.

Michigan drivers are able to get cheap car insurance when they opt to purchase only the PIP, BIPD, and PPI car insurance coverage requirements. Collision car insurance coverage and comprehensive car insurance coverage is not normally required of Michigan drivers unless they have borrowed money to purchase their cars and their lenders require those coverages.

Of course, there are many other ways to get cheap car insurance in Michigan without simply purchasing the minimum car insurance coverage requirements. Ask your car insurance company or agent about the various discounts for good drivers, good students, driver education course completion, and multi-line policies that they offer and whether you are eligible.

Auto Insurance Rankings - Best Companies - Best Rates

Looking for auto insurance rankings? Want to find the best companies with the best rates? Here's how ...

Best Auto Insurance Companies

Here are three websites that rank auto insurance companies:

Your State's Department of Insurance Website

All states have a department of insurance website, and most publish consumer complaints that have been filed against insurance companies. Most companies have complaints filed against them, but if a company has a lot of complaints compared to other companies, you should avoid them.

A.M. Best (ambest.com)

A.M. Best publishes insurance companies financial and credit ratings. These ratings give you an idea about an insurance company's ability to pay its claims. You should go with a company that has a B+ rating or higher.

Epinions (epinions.com)

At Epinion's, customers rate companies by customer service, website experience, response to claims, and price confidence. Customers also write reviews about each company. These reviews range from "The best insurance we've ever had!" to "The WORST customer service you could imagine."

Best Auto Insurance Quotes

Here's how to get the best auto insurance quotes:

Comparison shop - Because insurance quotes can vary by $1,000 or more from one company to another, the first thing you need to do is go to an insurance comparison website. You'll fill out a simple form so you can get quotes from a number of A-rated companies, then all you do is pick the company with the cheapest quote.

The best insurance comparison sites have an online chat feature and an "800" number so you can talk with insurance experts to get answers to your insurance questions.

Consolidate your insurance - Insurance companies will give you a 10% to 15% discount if you purchase your auto insurance and your homeowners or renters insurance through them.

Raise your deductible - Raising your insurance deductible from $250 to $500 can save you as much as 30% on your premium.

Drop collision and comprehensive coverage - If your premium plus your deductible is more than your car is worth, consider dropping your collision and comprehensive coverage.

Get safety and security discounts - Insurance companies give good-sized discounts if you have air bags, anti-lock brakes, car alarms, and anti-theft devices installed on your car.