Sunday, October 14, 2012

NESCAFÉ® CLÁSICO™ Sorteo/Sweepstakes

Gracias | NESCAFÉ® CLÁSICO™ Sorteo





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Enter herePrizes
  • 500 winners will receive a Nescafe gift pack, including: 
    • 1 set of 4 Nescafe Classic Cups
    • 3 Jars of Nescafe Classic Coffee
    • 4 Boxes of Nescafe Instant Coffee Strips 
    • A Poty DVD with dance lessons 
    • A picture of 5 “x 7″ autographed Javier “Poty” Castillo
  • 4,500 winners will receive a set of 4 Nescafe Classic Cups (value $5)
  • Grand Prize winner will receive a party for up to 30 guests lasting 4-6 hours where Poty will attend with a group of at least five trained dancers to give a 2 hour performance. Food will also be provided. Plus, the winner will receive a check for $2,250! The Grand Prize is valued at $9,750
For official rules go here http://www.nescafeusa.com/en/sorteo/rules

Ten Really Expensive Auto Repair Mistakes to Avoid


Another great article from AutoMD.com. You should definitely add AutoMd.com to your favorites if you own a vehicle.

AutoMD.com’s Top Ten Really Expensive Auto Repair Mistakes:
Mistake #1: Neglecting preventative maintenance and minor repairs.
Cost: $1,000s
Ignoring simple preventative maintenance, like changing the engine oil and filter, could damage your engine and replacing that engine could cost thousands2 of dollars! Failing to make minor car repairs today, such as replacing a thermostat or front brake pads, could mean more expensive repairs tomorrow. Other simple, but important, repair and maintenance tasks car owners can do on their own - or have a mechanic perform at an affordable price -include changing the transmission fluid; checking the coolant level, mixture, and condition, and checking the vehicle’s tire pressure on a regular basis.
Bottom Line: Don’t put off to tomorrow, what can be done today.
Click here for a list of repairs car owners should never ignore.
Mistake #2: Not asking for your parts back.
Cost: Unnecessary $$
If a part needs to be replaced on your car, always ask for your old part back; simply ask the mechanic to place the old part in the new part’s box. Unfortunately, some dishonest repair shops may charge you for work that was not done or repairs that are not necessary. Asking for your old parts back confirms that the new part was actually installed, and it keeps the mechanic from replacing a part that is still good.
Bottom Line: Not asking for your old parts back could mean paying for an unnecessary repair, or paying for a job that was not performed!
Mistake #3: Neglecting your tires.
Cost: More gas $$$ + tire replacement ($140 - $600+3), and loss of safety (priceless!)
Driving on underinflated tires can shorten the life of your tires, increase tire wear and lead to significant tire damage from heat, potholes and other road hazards. If the tire fails completely, you could lose control of the vehicle! Plus, keeping your tires inflated to the proper pressure can improve your gas mileage by up to 3.3 percent. And don’t be tempted to get more mileage out of your tires than they can safely give by driving on them when they are bald. Driving on bald tires can reduce vehicle traction and lead to an accident.
Bottom Line: Proper maintenance not only extends the life of your tires, it means safer driving and better gas mileage.
Click here for AutoMD.com’s Tire Care Tips.
How to check tire pressure
Mistake #4: Ignoring dashboard warning lights.
Cost: $1,000s! Loss of safety (priceless!)
Dashboard warning lights are just that, warning lights! Pay attention to them – they could be warning you about a serious maintenance problem that could lead to expensive repairs or unsafe driving. Be sure to read your owner’s manual and familiarize yourself with what the different warning lights on your car’s dashboard mean – Check Engine Light, Oil Light, Temperature Light, Brake Light – and what action you should take for each. Never ignore your Check Engine Light, thinking the car is running fine. Your MPG could be reduced by as much as 30%. A blinking Check Engine light indicates a severe misfire that could damage your car’s expensive catalytic converter. Ignoring the oil and temperature lights can result in an engine replacement meaning thousands of dollars out of your pocket.
Bottom Line: Pay attention to all your car’s symptoms, including warning lights.
Mistake #5: Telling your mechanic what parts to replace.
Cost: Double your $$ (or more!)
Today’s vehicles are extremely complex, and while it is a good idea to do your research, some vehicle symptoms can be misleading. For example, you may be convinced that your car needs new spark plugs or an engine tune-up, when you really need the MAF sensor cleaned. If you tell your mechanic to replace the spark plugs instead of asking him to diagnose the problem, he will do it and charge you for it, leaving you with the same unresolved issue.
Bottom Line: Be informed, but listen to the experts, otherwise you could end up paying for an unnecessary repair, while the original issue remains unresolved.
Click here to see a list of commonly misdiagnosed vehicle symptoms and repairs.
Mistake #6: Not doing simple repairs yourself.
Cost: Up to $200!4
Rather than spending time and money at the repair shop, try doing some of the easiest repairs yourself, such as replacing wiper blades, replacing a light bulb, even replacing a fuse and an air filter. Reference your owner’s manual and go online for videos and how to guides (AutoMD.com’s how-to guides provide step by step instructions for these repairs). And, these jobs just may provide a stepping stone and the courage you need to attempt even more of your own car repairs, which can lead to more savings.
Bottom Line: Doing simple repairs yourself could actually save you time, as well as money.
Click here for a list of repairs car owners can, and should, do themselves.
Mistake #7: Failing to properly communicate your repair issue.
Cost: Time and $$ at the repair shop: Labor rate is $40-$200+/hour!5
If you can’t describe the problem effectively, your mechanic will spend more time diagnosing (meaning more labor costs) and may come to the wrong conclusion! Write down what you hear, feel, see, and smell before you arrive and keep a log of exactly when the symptoms occur (for instance, when you’re braking or when you’re driving over a certain speed), and share this with your mechanic. Also, note the location and frequency of the symptoms, and if any repairs were done on the vehicle recently - sometimes a problem is related to the last repair. You can also go online to get help diagnosing your car’s problem - AutoMD.com has an easy-to-use diagnostic tool that provides a list of questions your mechanic might ask, as well as assistance to help you troubleshoot the problem(s) yourself.
Bottom Line: Describing your repair issue accurately will save time, money and headaches.
Mistake #8: Driving on fumes.
Cost: $225+6
Most cars on the road today have electric fuel pumps mounted inside the fuel tank. Back in the 70s and 80s, when cars had carburetors, you could drive until all the gas was gone, re-fuel, and drive again with no problem. However, most of today’s vehicles have fuel-injected engines that rely on in-tank electric pumps that use gas to cool and lubricate its components. Driving your fuel injected engine frequently on fumes could cause the pump to fail, leading to a repair costing hundreds of dollars.
Bottom Line: Keep the fuel level above a quarter tank to extend the life of your fuel pump and... avoid running out of gas!
Mistake #9: Visiting the dealership for every repair/maintenance issue.
Cost: An extra $300 per year7
Car owners can save an estimated $300+ a year on average by opting for their local independent repair shop versus the car dealership7. In some cases, the dealership service center can make more sense than the local repair shop for recalls, warranty work or very complex repair issues. However, for many jobs, if you do your research and find the right independent repair shop, a repair can be done by an expert mechanic at a savings of potentially hundreds of dollars.
Bottom Line: Compare prices on routine jobs, find out how much the dealership versus your local repair shop charges.
Click here to read dealership vs. repair shop myths.
Mistake #10: Accepting the first repair shop quote.
Cost: 14% or more $$$!8
When it comes to a major auto repair, get a second opinion... and a third and fourth one. Comparing shops and prices can also help you avoid being charged for unnecessary repairs. Before authorizing work, go online to research various repair shops, read reviews, get ratings, etc. and be sure to call to get several quotes over the phone. In a nationwide analysis8 of repair shops by AutoMD.com, mystery shoppers were able to shave an average of nearly 14% from the quoted estimate given by the majority of the shops by countering with online information: i.e., specific, ’fair’ job estimate based on labor rates and labor hours required, as well as true parts cost.
Bottom Line: Shop around, check online, save money.
1Sources: AutoMD 2011 Mileage Repair and Maintenance Survey and AutoMD 2012 DIY Report
2AutoMD.com Auto Repair Estimate for a sample base model 2005 Toyota Camry in zip code 90746, home to the company’s headquarters. Engine Replacement on this vehicle is $4,115
3The cost of new tires is between $35 - $160 per tire, depending on size and quality: http://www.automd.com/about-automd/press/01-25-2011/
4Estimated average savings for five jobs that car owners can, and should, do themselves compared to average cost for each job at a repair shop or dealership: http://www.automd.com/about-automd/press/6-29-2010/
5Labor Rates available at www.automd.com/shops/; range shown is in zip code 90746, home to AutoMD.com’s headquarters
6AutoMD.com Auto Repair Estimate for a sample base model 2005 Toyota Camry in zip code 90746, home to the company’s headquarters
7Car Owners can Save an Estimated $300+ a Year Opting for an Independent Service Shop: http://www.automd.com/about-automd/press/5-17-2010/

Auto Repairs: What Do You Do If You Feel You Were Ripped Off


Auto Repairs:
What Do You Do If You Feel You Were Ripped Off

Article from AutoMD


If you feel like you were overcharged at the repair shop where you got your car serviced or that your car wasn’t fixed properly, what steps can you take?

  • Tell the repair shop manager you will post comments on AutoMD.com, Yelp, etc.
  • Post comment on AutoMD.com
  • Contact the Better Business Bureau

If you are pleased with your repair shop, one of the best things you can do is strengthen and build that relationship. 
After all, your car is eventually going to need other repairs.
Post reviews online at AutoMD.com and other online consumer review sites
Refer the business to friends and family, and let the shop know that you have

The Truth About The Auto Repair Industry

Avoiding Car Repair Fraud


My husband is at the auto repair right now.  The Bentley repair manual, estimated the job at 5 hours. The shop only took 3.5 hours, but they are going to charge him for the 5 hours that this book estimates. I am doing some research on the ethical of this move.

In my search, I found this great article, and decided to share it with you guys!


Basic information everyone should know: The best way to avoid auto repair fraud is to be prepared. To Know how your vehicle works and to identify common car problems is a start. It's also important to know how to select a good auto repair technician, what kinds of repair questions to ask, and your consumer rights to recourse of action. The Federal Trade Commission (FTC), the American Automobile Association (AAA), and the National Association of Attorneys General (NAAG), supply information about your automobiles that may help you keep auto repair mistakes to a minimum.

How to Choose Car Repair Facilities

  • Ask for recommendations from friends, family, and other people you trust. Look for an auto repair shop before you need one to avoid being rushed into a regretful decision
  • Shop by telephone for the best prices, and compare warranty policies on all repairs
  • Check for current licenses if state or local law requires repair shops to be licensed or registered. Also, your state Attorney General's office or local consumer protection agency will record of complaints about a particular repair shop so check before you take your car for repair
  • Make sure the auto repair shop will honor your vehicle's extended warranty if you have one

How to Choose a Qualified Certified Technician

  • Look for shops that display various certifications - like an Automotive Service Excellence (ASE) seal. Certification indicates that some or all of the technicians meet basic standards of knowledge and competence in specific technical areas. Make sure the certifications are current, but remember that certification alone is no guarantee of good or honest work
      • Ask if the mechanic or shop has experience working on the same make or model vehicle as yours

Repair Charges: Understanding the Meaning


Before you agree to have any work performed, ask shop labor rate and the full price on parts and supplies. Most shops charge a flat hourly rate for labor time. This published rate is based on an independent or manufacturer's estimate of the time required to complete repairs. If you need complicated or expensive car repairs, or if you have any questions about recommended work, consider getting a second opinion from another vehicle repair facility. Most shops have a diagnostic charge if you decide to have the work performed elsewhere. If you decide to have the work done they usually will roll the charge into the repair. If you decide to get the work completed, ask for a full written estimate.

What should a full written estimate include?


  • It should identify the condition to be repaired, the parts needed, and the anticipated labor charge. Make sure you get a signed copy
  • It should state that the shop will contact you for approval before they do any work exceeding a specified amount of time or money. State law may require this.
  • What should I know about the parts to be repaired or replaced?
Parts are classified as:

  • New - These parts generally are made to original manufacturer's specifications, either by the vehicle manufacturer or an independent company. Your state may require repair shops to tell you if non-original equipment will be used in the repair. Prices and quality of these parts vary
  • Remanufactured, rebuilt and reconditioned - These terms generally mean the same thing: parts have been restored to a sound working condition. Many manufacturers offer a warranty covering replacement parts, but not the labor to install them
  • Salvage - These are used parts taken from another vehicle without alteration. Salvage parts may be the only source for certain items, though their reliability is seldom guaranteed
What do I need after the work is done?
Get a completed repair order describing the work done. It should list each:
  •  repair parts supplied
  • the cost of each part
  • labor charges
  • vehicle's odometer reading when you brought the vehicle in as well as when the repair order was completed. 
  • Ask for all replaced parts. State law may require this.

What are the consequences of postponing maintenance?

Many parts on your vehicle are interrelated. Ignoring maintenance can lead to trouble: 


What maintenance guidelines should I follow to avoid costly repairs?

Follow the manufacturer's maintenance schedule in your owner's manual for your type of driving.
Some repair shops create their own maintenance schedules, which call for more frequent servicing than the manufacturer's recommendations. Compare shop maintenance schedules with those recommended in your owner's manual. Ask the repair shop to explain - and make sure you understand - why it recommends service beyond the recommended schedule.


What warranties and service contracts apply to vehicle repairs?

Warranties

There is no "standard warranty" on repairs. Make sure you understand what is covered under your warranty and get it in writing.
Be aware that warranties may be subject to limitations, including time, mileage, deductibles, businesses authorized to perform warranty work or special procedures required to obtain reimbursement.
Check with the Federal Trade Commission or your state or local consumer protection agency for information about your warranty rights.

Service Contracts

Many vehicle dealers and others sell optional contracts - service contracts -issued by vehicle manufacturers or independent companies. Not all service contracts are the same; prices vary and usually are negotiable. To help decide whether to purchase a service contract, consider:
  • Its cost.
  • The repairs to be covered.
  • Whether coverage overlaps coverage provided by any other warranty.
  • The deductible.
  • Where the repairs are to be performed.
  • Procedures required to file a claim, such as prior authorization for specific repairs or meeting required vehicle maintenance schedules.
  • Whether repair costs are paid directly by the company to the repair shop or whether you will have to pay first and get reimbursed.
  • The reputation of the service contract company. Check it out with your state Attorney General's office or local consumer protection agency.

How do I resolve a dispute regarding billing, quality of repairs or warranties?

  • Document all transactions as well as your experiences with dates, times, expenses, and the names of people you dealt with.
  • Talk to the shop manager or owner first. If that doesn't work, contact your Attorney General or local consumer protection agency for help. These offices may have information on alternative dispute resolution programs in your community. Another option is to file a claim in small claims court. You don't need an attorney to do this.

Heading Off Problems


The more you know about your vehicle, the more likely you'll be able to head off repair problems. You can detect many common vehicle problems by using your senses: eyeballing the area around your vehicle, listening for strange noises, sensing a difference in the way your vehicle handles, or even noticing unusual odors. 

Wet spots

Looks Like Trouble: Small stains or an occasional drop of fluid under your vehicle may not mean much. But wet spots deserve attention; check puddles immediately.You can identify fluids by their color and consistency:
  • Yellowish green, pastel blue or florescent orange colors indicate an overheated engine or anantifreeze leak caused by a bad hose, water pump or leaking radiator.
  • A dark brown or black oily fluid means the engine is leaking oil. A bad seal or gasket could cause the leak.
  • A red oily spot indicates a transmission or power-steering fluid leak.
  • A puddle of clear water usually is no problem. It may be normal condensation from your vehicle's air conditioner.

Smells

Smells Like Trouble: Some problems are under your nose. You can detect them by their odor:
  • The smell of burned toast - a light, sharp odor - often signals an electrical short and burning insulation. To be safe, try not to drive the vehicle until the problem is diagnosed.
  • The smell of rotten eggs - a continuous burning- sulfur smell - usually indicates a problem in thecatalytic converter or other emission control devices. Don't delay diagnosis and repair.
  • A thick acrid odor usually means burning oil. Look for sign of a leak.
  • The smell of gasoline vapors after a failed start may mean you have flooded the engine. Wait a few minutes before trying again. If the odor persists, chances are there's a leak in the fuel system - a potentially dangerous problem that needs immediate attention.
  • Burning resin or an acrid chemical odor may signal overheated brakes or clutch. Check the parking brake. Stop. Allow the brakes to cool after repeated hard braking on mountain roads. Light smoke coming from a wheel indicates a stuck brake. The vehicle should be towed for repair.
  • A sweet, steamy odor indicates a coolant leak. If the temperature gauge or warning light does not indicate overheating, drive carefully to the nearest service station, keeping an eye on your gauges. If the odor is accompanied by a hot, metallic scent and steam from under the hood, your engine has overheated. Pull over immediately. Continued driving could cause severe engine damage. The vehicle should be towed for repair.

Sounds

Sounds Like Trouble: Squeaks, squeals, rattles, rumbles, and other sounds provide valuable clues about problems and maintenance needs. 
Here are some common noises and what they mean:

  • Squeal - A shrill, sharp noise, usually related to engine speed:
Loose or worn serpentine belt.
  • Click: A slight sharp noise, related to either engine speed or vehicle speed
  • Loose wheel cover.
  • Loose or bent fan blade.
  • Stuck valve lifter or low engine oil.
  • Screech: A high-pitched, piercing metallic sound; usually occurs while the vehicle is in motion:
Caused by brake wear indicators to let you know it's time for maintenance.

  • Rumble: A low-pitched rhythmic sound.
  • Defective exhaust pipe, converter or muffler.
  • Worn universal joint or other drive-line component.
  • Ping - A high-pitched metallic tapping sound, related to engine speed:


Usually caused by using gas with a lower octane rating than recommended. Check your owner's manual for the proper octane rating. If the problem persists, engine ignition timing could be at fault.

Heavy Knock - A rhythmic pounding sound:

Clunk - A random thumping sound:


Loose shock absorber or other suspension component.


Loose exhaust pipe or muffler.

Feels Like Trouble
Difficult handling, a rough ride, vibration and poor performance are symptoms you can feel. They almost always indicate a problem.

Steering

  • Misaligned front wheels and/or worn steering components, such as the idler or ball joint, can cause wandering or difficulty steering in a straight line.
  • Pulling - the vehicle's tendency to steer to the left or right - can be caused by something as routine as under-inflated tires, or as serious as a damaged or misaligned front end.

Ride and Handling

  • Worn shock absorbers or other suspension components - or improper tire inflation - can contribute to poor cornering.
  • While there is no hard and fast rule about when to replace shock absorbers or struts, try this test: bounce the vehicle up and down hard at each wheel and then let go. See how many times the vehicle bounces. Weak shocks will allow the vehicle to bounce twice or more.
  • Springs do not normally wear out and do not need replacement unless one corner of the vehicle is lower than the others. Overloading your vehicle can damage the springs.
  • Balance tires properly. An unbalanced or improperly balanced tire causes a vehicle to vibrate and may wear steering and suspension components prematurely.

Brake problems have several symptoms. Schedule diagnosis and repair if:



The following symptoms indicate engine trouble. Get a diagnosis and schedule the repair.

 Transmission problem


Poor transmission performance may come from actual component failure or a simple disconnected hose or plugged filter.
Make sure the technician checks the simple items first; transmission repairs normally are expensive. Some of the most common symptoms of transmission problems are:


  • Abrupt or hard shifts between gears.
  • Delayed or no response when shifting from neutral to drive or reverse.
  • Failure to shift during normal acceleration.
  • Slippage during acceleration. The engine speeds up, but the vehicle does not respond.

Troubleshooting


Car trouble doesn't always mean major repairs. Here are some common causes of trouble and techniques to help you and your technician find and fix problems:


Alternator - Loose wiring can make your alternator appear defective. Your technician should check for loose connections and perform an output test before replacing the alternator.


Battery - Corroded or loose battery terminals can make the battery appear dead or defective. Your technician should clean the terminals and test battery function before replacing the battery.


Starter - What appears to be a defective starter actually may be a dead battery or poor connection. Ask your technician to check all connections and test the battery before repairing the starter.


Muffler - a loud rumbling noise under your vehicle indicates a need for a new muffler or exhaust pipe.


Tune-up - The old-fashioned "tune-up" may not be relevant to your vehicle. Fewer parts, other than belts, spark plugs, hoses and filters, need to be replaced on newer vehicles. Follow the recommendations in your owner's manual.

Auto repair is the number one service fraud in the country, so protect yourself and for more information, contact:


  • Bureau Of Automotive Repair 1-800- 952-5210
    • Autorepair.ca.gov - for California (substitute your state two letter abbreviation for the website in your area)
    • BBB - Better Business Bureau

Federal Trade Commission
Consumer Response Center
Washington, DC 20580
202-326-2222
TDD: 1-866-653-4261

The main office of your local American Automobile Association (AAA) motor club, listed under AAA in the telephone directory.

Your State Attorney General
Office of Consumer Protection
Your State Capital

Many Attorneys General have toll-free consumer hotlines. Check with your local directory assistance.




source:

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Reminder:ULTA Beauty’s Cut-A-Thon

The Salon at ULTA Beauty’s Cut-A-Thon is taking place on Sunday, October 14 from 11 a.m. to 6 p.m. at all  ULTA Beauty stores nationwide.
You'll receive a Free  cut, shampoo and style by ULTA Beauty’s professionally trained stylists or a Free Mini-facial (For a minimum suggested donation of $10)
One hundred percent of Cut-A-Thon proceeds will be donated to BCRF ( The Breast Cancer Research Foundation)
The Salon at ULTA Beauty uses Redken and CHI professional products.
Make your appointment now. To find a location near you, click HERE.
Can't attend, but will like to donate?
For details on ULTA Beauty’s Donate with a Kiss campaign visit ulta.com/donatewithakiss.

THE SALON Cut-a-ThonONE DAY ONLY! OCTOBER 14TH, 11 AM - 6 PM. WALK-INS ONLY - first come first serve. FREE SHAMPOO and CUT or MINI FACIAL with $10 minimum donation. FREE SHAMPOO AND CUT: Donate a minimum of $10 and a designer at THE SALON will shampoo, cut and blow-dry style your hair for FREE. 100% of the donations go to The Breast Cancer Research Foundation®. First come, first serve, WALK-INs only. Cannot be combined with any other discount at THE SALON. Other restrictions may apply. Valid 10/14/12 only. FREE MINI FACIAL: Donate a minimum of $10 and receive a Dermalogica MicroZone Targeted Skin Treatment from one of THE SALON’s skilled skin therapists. First come, first serve, WALK-INs only. Participating locations only. Availability may vary by location. Valid 10/14/12 only.
Valid 9/30/12-10/27/12 Only: FREE PINK ALTERNA 1 NIGHT HIGHLIGHT SERVICE with donation. (Donate a minimum of $5 per streak and a designer at THE SALON will add a pink temporary streak to your hair. 100% of the proceeds will be donated to The Breast Cancer Research Foundation®. $25 OPI PINK GELCOLOR NAIL SERVICE with donation - $5 per service will be donated to The Breast Cancer Research Foundation®. $30 PINK GLAM STRANDS - $5 per service will be donated to The Breast Cancer Research Foundation®.
Donate with a Kiss - For every $1 donation you make to the Breast Cancer Research Foundation®, we’ll add a “kiss” to our Windows. Join us in the fight against breast cancer, because one smooch goes a long way. Donations to benefit The Breast Cancer Research Foundation®. Give Now.

The Election Shop @ FAB

The Election Shop @ FAB

I never really get into politics because I spent most of my time at work. We all know, Politics and Religion are just a NO, NO in the office.

But these are awesome Election Items. I might have to get one for the first time EVER.
I still haven't told my Husband who I am voting for... This might be my disclosure tacit. lol


FAB thanks for this great collection.

If you are not a FAB member Yet, click HEREto join










Reminder: FREE lip gloss at American Apparel stores



Offer valid through 10/15/2012 and is subject to change at any time. One per customer while supplies last. Offer only valid at American Apparel retail stores. Offer NOT valid online.


Read more: http://gimmiefreebies.com/free-lip-gloss-at-american-apparel/#ixzz28riMSK7B