Cars 
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How to get the most from your auto insurance claim


Being involved in a car accident is scary and stressful. So is dealing with the aftermath.

It’s in the insurance company’s best interest to minimize your claim, but you’ll be able to secure a fair settlement with these four tips.

Don’t admit fault

You typically must file a police report after a car accident. There are situations when you aren’t required to, but to be on the safe side, file a report.

Describe to the police as accurately as possible what you believe happened, but don’t admit fault or say anything to the police, the other driver or any witnesses that might incriminate you.

Gather evidence that might help you later. Photograph the accident scene, capturing the location, license plates and damage. Collect contact information from any witnesses, passengers and other drivers.

At this stage, only discuss the accident with the police to minimize your chances of being misheard or misunderstood.
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 This is why you're broke 
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‘Free’ smart phone game is a shameless money suck


As always, there’s another scam to separate you from your hard earned money. Only this time, we can stop the madness.

The latest money grab comes from none other than Kim Kardashian, who has partnered with Glu Mobile on Kim Kardashian: Hollywood, a smartphone game where users advance by living the celebrity lifestyle.

In order to go from an E-List to an A-list celebrity, players do things like going to fashion shoots and hanging out with other celebrities.

Yes, it’s vapid, but a lot of online games are. It’s not like there’s any existential meaning to Angry Birds or Candy Crush.

The problem is that people are blowing millions – yes millions – on the game.

The game itself is free but Kardashian and Glu Mobile makes their real money from in-app purchases. Players can buy “koins” to move ahead in the game, and can spend anywhere from $4.99 to $99.99 in one shot.

Estimates put those in-app purchases at $700,000 a day.
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 Career 
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New law mandates in-state tuition for vets studying at all public colleges starting next year


Good news for U.S. vets: starting next year, you’ll qualify for in-state tuition at any public school, no matter where you live.

This perk was part of the $16.3 billion Veterans Administration reform bill that President Obama signed into law last Thursday.

Thirty states already offer in-state tuition to all veterans. But this will extend the discount to the remaining 20 states, including California.

At the University of California, for example, in-state tuition and fees are right at $13,200 a year. For non-California residents, it’s more than $36,000.

So the new law could save a Berkeley or UCLA-bound vet $22,800 a year – which is not small change.
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 The Home 
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Some surprising help turned my long search for new windows into a low-cost (or lower-cost) reality

I was clicking around the Groupon app one evening on my iPad when I ventured beyond the food and drink deals I normally scout to ones for home services.

I expected to find discounted housecleaning, not a significant savings on windows and installation.

But two months later, five new vinyl replacement windows graced our condo — purchased in part with a $1,999 Groupon.

My husband and I had been eyeing new windows for the rear of our home for some time.

When our century-old Chicago home was rehabbed in 1984, the majority of its windows were “updated” with aluminum windows.

Thirty years later, they were a struggle to open. If you did manage to push one up, it wouldn’t stay up.

The pane would come crashing down the second you let go of it. On every aluminum window, the balance — that handy mechanism inside a window that keeps it open — was kaput.
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 Cars 
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Stop worrying…You probably didn’t pay too much for your new car


Most of us like to tell “fish stories,” and they often include tales about the great deal we negotiated on our new car or truck.

But behind closed doors, many of us obsess that we really paid too much.

At least that’s the conclusion of the first annual TrueCar Buyer Study, which polled more than 3,000 consumers across the country.

Despite all of the pricing information at our fingertips on sites like Kelley Blue Book (kbb.com) and Edmunds.com, it seems many new-car shoppers have no real idea how much the dealer is making in any given deal.

Because of that, 26% of new-car buyers believe they overpaid for their car.

Many of those surveyed guesstimated the dealer makes about 20% profit on the sale of a $30,000 new car. That would be about $6,000.
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 Shopping 
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Online coupons and discount codes can save lots of money, at lots of stores, on lots of stuff

Although I’m a frugal person, I’ve never been a couponer.

Cutting out and organizing paper coupons takes a lot of time. I saw my mom do this when I was a kid and it looked like an exhausting way to save a couple bucks.

So beyond checking out the ValPak that comes in the mail (there, I get $1 off at the local bagel shop and $7 off an oil change), I don’t clip.

But I still want to get the best possible price. That’s why I check for online coupons and discount codes before shopping almost anywhere, for almost anything.

Here are three sites that can help you with that, no scissors required.
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 Culture Cents 
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Go to the movies? At these prices it’s got to be a great flick to get me off the couch

If you decide to spend a night out at the movies, you better be certain you’re going to love that film.

In my opinion, movie-going has become too expensive to be a casual pastime anymore.

The theater industry says the average ticket costs right around $8, but that has to include discounted prices for kids and seniors.

I don’t know about you, but I can’t remember the last time I paid anything like $8 to get into a movie. So I went online to see how much the typical adult ticket cost.

I found theaters charging $13.75 in New York City and $12 in San Francisco. Prices were somewhat lower at suburban Boston ($11) and Minneapolis ($10.75) and a big college town like Austin ($10).

But $8? Not until I checked a theater in Grinnell, Iowa (population 9,100). There I found an $8 adult ticket.

If you want to see that blockbuster action flick in 3-D or IMAX, expect a $3 to $5 surcharge added onto every ticket.
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 Bank Deals 
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Kick start your savings with goal-based accounts


Saving money is always one of the top New Year’s resolutions, but halfway through the year, you’ve usually kicked that goal to the curb.

Hard to believe, but some banks and credit unions actually want to help you make those resolutions stick, paying higher interest rates or bonuses if you stash money in your savings regularly.

Play it right and you could get an extra $250 added to your account or earn 2.50% APY on your savings.

What’s the catch? You typically need to contribute monthly to these goal-based savings accounts, and leave it there. No making withdrawals to buy Justin Timberlake concert tickets or the latest Coach handbag.

It’s tempting to “want to spend money to keep up with the Joneses,” says Brett Engel, manager of deposit products at Baxter Credit Union, or BCU as it is usually called, in Vernon Hills, Ill. But once you start setting money aside, “you get excited. You want to see more digits in your bank account.”
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