LOAN SERVICES 87 North Clinton Ave Take the Hassle Rochester NY, 14604 Out of Car Buying Buying a used car has always been a risky venture, but there are tools and information available today that greatly reduce the uncertainty and stress that are typically associated with the experience. Checking the reliability rating of a vehicle is a highly recommended first step in the buying process, and is as close as the internet through MSN Autos (autos.msn.com). This is the premiere site for obtaining a free mechanical rating of the year, make, and model that you are interested in buying. Reliability data is provided for the seven categories displayed in the following sample and includes detail of the cost to repair any moderate or significant problems reported for the particular vehicle being researched. Your time is valuable and the report gives you the opportunity to qualify the vehicle as one worthy of a test drive and further inspection by your mechanic – an excellent way to take the hassle out of finding a dependable set of wheels. Category Engine Rating Comments Occasional problems on this ….. Transmission Infrequent problems & Driveline Steering Infrequent problems & Suspension Brakes An occasional problem on this….. Heating Infrequent problems & A/C Starting Infrequent problems & Charging Accessories Occasional problems on this…. Overall 4 out of 5 TEN SAVINGS TIPS 1. Write a list before you go shopping—and stick to it! 2. Eliminate snack foods and substitute with healthy replacements. 3. Shop generic brands for the items that you buy regularly. Then watch your grocery bill get smaller and smaller. 4. Cut coupons, but be careful—the generic brand may be less expensive than using a coupon for the name brand. 5. Compare prices from store to store and plan meals around what’s on sale instead of your cookbook. 6. Rent it out! Turn an extra bedroom into cash. 7. Stretch your wardrobe with clothes that mix and match well. 8. Bag your lunch during the work week, instead of eating out. 9. Turn off unneeded lights and switch to compact florescent bulbs as your incandescent light bulbs burn out. 10. Cell phone use has dramatically increased expenses for many households. Be sensible in choosing a plan that meets your basic communication needs. Does your house need insulation? Budgeting and Car Buying Seminars Energy Conservation All are Welcome Program (ECP) Call (585)442-4160 When it is cold outside, all families begin to consider the high cost of utilities. When you are under privileged and live in a house that may have sub-standard insulation, weatherization, or an old furnace, these concerns become even more critical, and indeed, sometimes dangerous. ECP's services include furnace repair or replacement, insulation, weather stripping, and emergency assistance. ABC's Energy Conservation Program works with individuals and families to ensure that all measures are being taken to properly weatherize homes and ensure peak efficiency of heating units for income eligible families. This not only provides safer environments for families, but helps to maintain and improve housing stock throughout the City of Rochester. The ECP team also seeks to make sure that customers are educated and well-informed about emergency energy and conservation measures that families may initiate on their own. Oct. 8, Nov.12, and Dec.10 Credit Workshop Oct. 29 , Nov. 19 & 26 and Dec. 17 Call 262-7833 to register and for times VOLUME 1, ISSUE 4 OCT 1, 2008 LOAN COORDINATORS: CELMIRA CUBILLOS, BILL HOHMAN & SHANNON CLEMENTS TRAINING & OUTREACH COORDINATOR RICK BURGHOLZER PROGRAM MANAGER CARL PANEPENTO