RV Money Saving Tips – 10 Ways to Save on Your RV’s Propane Gas Consumption

Most appliances in an RV are fueled by propane gas. This includes the furnace, stove, oven and hot water heater. The refrigerator is usually operated on electricity but it is fueled by propane gas when not connected to electricity.

Some higher end RVs can have an electric heat pump which will work in moderately cold temperatures but switches to the propane fueled furnace in extremely cold environments. Some RV’s can also have an electric hot water heater system that can be switched to propane gas.

At most RV parks, electricity is provided as part of your RV site rental (although we have encountered a few parks that charge for electricity). So it makes sense to fully utilize the park’s electricity instead of your RV propane supply. Most of our tips will focus on ways to use the RV park electricity instead of the RV’s propane gas.

Here are ten ways you may not have thought of to reduce the propane gas consumption in your RV:

1. If you have room to store a crock pot/slow cooker in your RV, this is a great way to prepare dinner in the morning and your meal will be ready after a day of sightseeing. In the cooler months, it also helps keep the RV warm as dinner cooks. No need to run the heat all day or come back to a cold RV!

2. Again, if you have storage space, an electric skillet can be used instead of the propane fueled stove. This uses the park’s electricity instead of your propane gas.

3. If you do not have the storage room for an electric skillet, you may want to consider what we have always called a “fifth burner”. It is an electric burner used like a stove (since most stoves have four burners – hence the name the fifth burner). Use it either inside the RV instead of the gas stove to save propane or use it to cook outdoors to save propane and keep the heat out of the RV kitchen in the warmer months! Make sure to use a heavy duty extension cord when using outdoors. There are one and two burner models available.

4. Use the RV’s electricity powered microwave/convection oven instead of the stove and oven that uses propane gas. When I cook in our motorhome, I like to make more than we will eat in one meal so we have leftovers that we can pop into the microwave to reheat.

5. We have used an electric ceramic heater to save RV furnace propane consumption. We do not recommend using a ceramic heater while away from the RV or while sleeping. We used it mostly in the afternoon or evening while watching television and turn it off before going to bed.

6. Since most RV hot water heaters are fueled by propane, consider using the RV parks bathhouse for showering. Check the park’s rules first – some parks will charge for shower use.

7. If your RV’s primary heat is the propane fueled furnace and you travel in cooler months often, you might want to invest in an electric blanket or electric mattress pad. Then turn down the RV’s furnace before going to bed and still keep warm.

8. Upon arrival at your destination and after you plug into the electrical outlet, make sure your RV refrigerator switches over from propane gas to electric. For some reason occasionally our refrigerator will not automatically switch over which burns propane unnecessarily.

9. Cooking outside on a gas grill may not save you as much propane since the gas grill uses propane but there are some benefits. If you can cook your meat plus vegetables and warm the bread all on the grill, this saves using the gas stove and oven in the RV. It also keeps the heat and cooking smells out of the RV. Plus there is the added bonus of enjoying the great outdoors!

10. Over the years, we have noticed more parks banning outdoor fires and not providing the fire pits so common years ago. This seems to be especially true for parks in the western U.S. where it is drier and more prone to wildfires. If the park you are staying at allows outdoor fires either in a fire pit or provides a grill, have a good old hotdog roast and end your meal with roasted marshmallows!

These are some of the ways we have identified to save on our RV’s propane gas consumption. You may identify other ways to save money on your propane gas consumption based on your RV’s features and your RV lifestyle. Most important is to get out in your RV and enjoy the adventure!

How To Get Financing For Aftermarket Car Parts Joss Finance

Many people think of financing in terms of vehicle purchasing. In a typical financing plan, buyers can spread out payments over a period spanning 24 to 36 months. Fortunately these days, buyers who wish to upgrade their vehicles can also get financing on aftermarket parts. Aftermarket parts are designed to add more practicality and utility to trucks, cars, and SUVs. These parts range from performance parts, work parts such as tow hooks and shackles, off roading gear, or general protection of truck bumpers, radiators, and grille. With financing, you will not have to shell out all money at once, and the protection can help drivers save on the costs of repairs in the long run.

Bill Me Later

Bill Me Later is one of the most effective ways to get financing for aftermarket parts. Bill Me Later is a secured financing company in partnership with PayPal. When looking for financing for aftermarket parts, simply ask if the store will let you check out online with Bill Me Later. This payment program offers low financing and relatively easy credit approval. Purchasing with Bill Me Later can be completed in one of two ways.

If you do not have a PayPal account, you will need to sign up for PayPal first. Choose to checkout with PayPal when you are making your purchase. Create a PayPal account and select Bill Me Later as an option. You will be asked to fill out a short form and then wait for approval. This type of approval is usually instant and your purchase process is complete. If for whatever reason your application is not approved, you will simply be re-directed to your site and can choose other payment options.

If you already have a PayPal account, you can simply sign in to PayPal from a store checkout page and pick Bill Me Later as your checkout option. You will be asked to fill out the short form and wait for their approval. If the application is approved, then your purchase is complete. If not, then you will have to pay through PayPal the standard way.

Bill Me Later is currently a very popular option for financing due to customer choice such as offering interest free payments if the customer pays off balance in six months. Alternatively, the customer can chose to make no payments for 90 days, and then follow up with a low interest rate.

Other Financing Options

Other financing options also exist for getting the right aftermarket parts for vehicles. Many companies offer coupon codes for purchasing bulk orders. It is advisable to call companies ahead to arrange discount for bulk orders. Other financing options that are available include student discounts, military discounts, and layaway plans. These typically vary by company and shoppers can normally obtain these rates by contacting a representative.


While most people use financing plans to pay off their vehicles, few people realize that they can get financing on aftermarket parts to improve their vehicles over time. Whether a car owner needs performance parts, work parts, or protection from damage, getting financing for these parts can be simple with today’s fast and efficient options.

Free Government Grant Money For Financial Crisis Joss Finance

During times of economic financial times, the government has been providing billions of dollars in free grant money that never has to be repaid. There are a number of government grant programs for a variety of purposes, but many are made available to help US citizens with personal needs, while others are provided as a way to stimulate the economy.

For example, there are free government grants to help people pay their bills, credit card debt, and other personal debts that may be preventing them from being able to make ends meet. There are free government grant programs to help Americans buy new homes and investment properties, and there are even grants to help single mothers go back to school and pay their college tuition.

There are hundreds of government grant programs and even more private foundation grants that provide free money that never has to be paid back. This money is used to either help the individual and economy from going through a major downturn, or the money is provided as a way to move America forward so it can remain a competitive nation. That is why you’ll find billions of dollars in grant money that is given away for free to help people start a small business or go back to school to further their education.

These funds are financed by American taxpayers, which means that not only is anyone over the age of 18 allowed to apply for these funds, they are entitled to this money. As long as you are an American citizen and pay your taxes, you can quickly qualify to receive some of this money from the hundreds of government and private foundation grant programs that are available.

Marketing a Dog Training Business: 5 Easy Steps to Attract Clients and Make More Money

Want to know how to market a dog training business?

Today there are more and more people who want to train dogs for a living. Unfortunately many dog trainers are forced to train dogs on the side of a regular job, or struggle to get enough clients to train dogs full time. The sad part is that this isn’t because the person doesn’t know how to train dogs, or help people. The reason is that they don’t know how to effectively market their business in a way that will show value and attract the type of clients they want to work with. But don’t worry! We are going to teach you five steps you can take today that will fix that.

Step 1. Think like a client, not a dog trainer. This is the golden rule for dog training success. You need to lose all the dog trainer jargon from your website, conversations with clients, training programs, and all marketing materials. When a client’s dog has trouble coming when called, they don’t think, “Oh I wish my dog had a better recall.” They would call you on the phone and ask if you can teach their dog to come when called. Or teach their dog to not run away.

You want potential clients to identify with you as a regular person who happens to train dogs and can help fix their problems. They won’t do that if you are speaking in a way that they don’t THINK in their own heads.

Step 2. When it comes to training, people aren’t spending their money on their dogs, they’re spending money on themselves. Many trainers we teach tell us that the people they service would never spend $1500 or more on their dog. That’s true, but they are really spending the money on themselves to make THEIR lives happier and probably to remove dog behaviors that are making THEM miserable. So the lesson here, is when you are writing on your website, or speaking to people, you need to focus on how their life would improve with a dog that listens. For example, you could write on the front page of your website, “Imagine the peace and quiet you will enjoy from not having your dog bark at every noise he hears.” Once you can establish in the person’s mind the benefits they will receive from working with you, they will be ready to sign up!

Step 3. The purpose of your website is to get people to contact you. Your website should NOT be a library of resource information on dog training. It should also not be a too much about you and your training credentials. Everything you write should be about the dog owner, what they’re going through now, and how life will be after you resolve the struggles they’re having.

You also need a lead-capture box on all the pages of your site. This is also called an “opt-in” box. This is a box where they can leave their e-mail address. They will be more likely to leave their info if you offer then something free, like 5 tips on how to housebreak a dog. Or 5 common mistakes dog owners make. Don’t forget your location, phone number and e-mail address must be prominent on all the pages of your site.

Step 4. Focus on benefits, not just features. The features of your programs are things like the number of commands, the number of lessons, the length of stay for a board and train program. The benefits are things like, ‘your dog will walk next to you on a leash so you won’t have your arm pulled and won’t be embarrassed in the neighborhood.’

The benefits are the positive changes the client will experience in their life. Another example: The feature would be the off command, the benefit would be that the owner would not have to worry about their dog jumping and hurting someone. So when you are writing your programs, do not only write a list of features, but write the benefits each option will provide to the owner.

Step 5. Attract your ideal clients. You might be surprised, but the people you want to contact you are not just limited to people with money and a dog. People want a specialist, not a generalist, and will pay more for it. So what are you particularly good at? If you had an engine problem in your car, would you want a mechanic who did a little of everything? Or someone who only worked on engines and specialized on it?

Think about what you do best and what type of person you like to work with most and write a description of them. Think about the best client you have ever had. Why did they come to you? What did they say? What did they need? What were their problems? What results were they looking for? What was their personality like? What did they enjoy most about working with you? When you write all your materials, pretend you are writing personally to them. For example, our ideal client is a family or person who is teachable, friendly, has a dog with common behavior problems, and has tried other training before maybe it hasn’t worked well enough for them. When we write, we write to that person, so we tend to attract that kind of person.

If you really think about these 5 fundamental steps when you’re marketing your dog training business, it will help you be more successful than most other dog training companies who haven’t considered these things at all. You will automatically stand out, be able to charge more, and you’ll get more clients. For more client attraction tips and training videos, go to http://www.makeitasadogtrainer.com.

Personal Financial Planning – Risk Management Joss Finance

Risk management in financial planning is the systematic approach to the discovery and treatment of risk. The objective is to minimize worry by dealing with the possible losses before they happen.

The process involves:

Step 1: Identification

Step 2: Measurement

Step 3: Method

Step 4: Administration

Risk Identification

The process begins by identifying all potential losses that can cause serious financial problems.

(1) Property Losses – The direct loss that requires replacement or repair and indirect loss that requires additional expenses as a result of the loss.

(For example, the damage of the car incurs repair cost and additional expenses to rent another car while the car is being repaired.)

(2) Liability Losses – It arises from the damage of other’ property or personal injury to others.

(For example, the damage to public property as a result of a car accident.)

(3) Personal Losses – The loss of earning power due to death, disability, sickness or unemployment and the extra expenses incurred as a result of injury or illness.

(For example, the loss of employment due to cancer and the required treatment cost in addition to normal living expenses.)

Risk Measurement

Subsequently, the maximum possible loss (i.e. the severity) associated with the event as well as the probability of occurrence (i.e. the frequency) is quantified.

(1) Property Risk – The replacement cost necessary to replace or repair the damaged asset is estimated by a comparable asset at the current price. Indirect expenses for alternative arrangements like accommodation, food, transport, etc, needs to be taken into account.

(2) Liability Risk – This is considered to be unlimited as it will depend upon the severity of the event and the amount the court awards to the aggrieved party.

(3) Personal Risk – Estimate the present value of the required living expenses and additional expenses per year and computing it over a predetermined number of years at some assumed interest rate and inflation.

Methods Of Treating Risk

A combination of all or several techniques are used together to treat the risk.

(1) Avoidance – The complete elimination of the activity.

This is the most powerful technique, but also the most difficult and may sometimes be impractical. In addition, care must be taken that avoidance of one risk does not create another.

(For example, to avoid the risk associated with flying, never take a flight on the plane.)

(2) Segregation – Separating the risk.

This is a simple technique that involves not putting all your eggs in one basket.

(For example, to avoid both parents dying in a car crash together, travel in separate vehicles.)

(3) Duplication – Have more than one.

This technique requires preparation of additional back up(s).

(For example, to avoid the loss of use of a car, have 2 or more cars.)

(4) Prevention – Forestall the risk from happening.

This technique aims to reduce the frequency of the loss occurring.

(For example, to prevent fires, keep matches away from children.)

(5) Reduction – Minimize the magnitude of loss.

This technique aims to reduce loss severity and can be used before, during or after the loss has occurred.

(For example, to reduce losses as a result of a fire, install smoke detectors, sprinklers and fire extinguishers.)

(6) Retention – Self assumption of risk.

This technique involves retaining the risk consciously or more dangerous as unconsciously to finance one’s own loss.

(For example, having 6 months of income in savings to protect against the risk of unemployment.)

(7) Transfer – Insurance.

This technique transfers the financial consequences to another party.

(This will be covered in more detail as a topic.)

Administration Of Method

The selected methods must be implemented.

And finally to close the loop for the process, new risks must be continually identified and all risks needs to be re-measured when required. Treatment alternatives should also be reviewed.