Rising food and fuel prices are putting financial pressure on American families all across the country. Many consumers need to consider alternative methods for saving, just to scrape by. Everyday consumers hear more and more about global warming and the need to reduce their carbon footprint. For consumers already struggling to make payments, buying a new super fuel-efficient vehicle is out of the question. But what if consumers could eliminate the need to rely on fuel altogether? Here are some advantages to using alternative forms of transportation:

Saving Money
Taking public transportation can eliminate car expenses including: gas, maintenance, insurance, parking, and car payments. For every dollar earned, the average household spends 18 cents on transportation. The average family could save more than $6,000 annually by taking public transit. According to the American Automobile Association, the total annual cost of driving a mid-sized sedan 15,000 miles (just above the U.S. average) is nearly $8,000.

Saving Time & Energy
According to the Texas Transportation Institute, the average American will spend 38 hours per year in traffic, that's almost a full work week! This translates to 26 extra gallons of gas and $710 per person. Each year, public transportation use in the U.S. saves 1.4 billion gallons of gasoline. This represents almost 4 million gallons of gasoline per day. Public Transportation also allows passengers to relax, or do something productive with the time that would normally be wasted during their commute.

Stay Fit & Avoid the Rush
For people who live close enough to their work place, there is always the option of riding a bike or walking. This eliminates the reliance on fuel, the hassle of the pesky morning and evening rush, and allows for a great way to stay fit. Commuters who opt out of the daily drive will be doing their full part to reduce carbon emissions, no matter what form of alternative transportation they use.

ABOUT ACCC: American Consumer Credit Counseling (ACCC) is a non-profit 501 (c) (3) organization dedicated to empowering consumers to regain control of their lives through education, counseling and debt management. ACCC provides individuals with practical solutions for solving financial problems and recognizes that consumers' financial difficulties are often not the result of poor spending habits, but more frequently from extenuating circumstances beyond their control. As one of the nation's leading providers of financial education and credit counseling services, ACCC works with consumers to help them with the best plan of action to reduce their debt and regain financial stability. For more information or to access free financial education resources log on to http://www.consumercredit.com

Article Source: http://EzineArticles.com/?expert=Katie_Ross

Sometimes the hardest part of collecting a debt is finding the person who owes you the dough.

If you don't know where this person is, you can easily do a search. You can search by name, social security number or telephone number.

The initial cost for the basic search is free. More involved searches may cost a few bucks but don't you agree that it's worth it? After you locate the person, you can file actions no matter where you live.

Wouldn't you like to see the look on their face when they get the court appearance letter? They will wonder how in the heck you found them.

If you know where the person is, half of the battle is done. Check with your local courts but a very easy way to get a judgment against someone is through the Small Claims Court. They do have limits on the amount owed but it is very simple and you can add the costs of the action to the judgment. When and if you win, the loser needs to pay or you can ask the Court to sell valuables they own to pay the judgment. The Court will have the Sheriff tag items with an official seal preventing the items from being used until they are sold. When the Court starts this process, the loser usually pays up.

In Small Claims Court you have to be represented by an attorney if you are a corporation. If you are not, you can represent yourself.

If the amount is too high for Small Claims Court, then you will have to seek a remedy in the Court of the Common Pleas. This is a little different matter and more difficult and the Court isn't as helpful as in Small Claims. Seek advice from a local attorney.

The easiest people search engine to use is http://www.FreeSearchNow.info Go to the site, enter the information and the results will show in a matter of moments. Free Search Now can also connect you with more involved searches if needed. They are not expensive and well worth the time and expense. And, all costs associated with collecting the debt owed can be included in the judgment.

You should book mark the site so you have it handy to use over and over. Have you ever wondered what happened to an old boyfriend or girlfriend? Free Search Now will track them down for you.

Have you ever thought about saying thanks to someone who helped you once and you don't know where they are. Put http://www.FreeSearchNow.info on the trail and let them do the tracking for you.

Article Source: http://EzineArticles.com/?expert=Victor_Lewis

Banking services in India have undergone a remarkable change from the time when India got the independence on 15th august, 1947. Otherwise earlier the only mode of banking which was known to the common people of the country was the indigenous bankers like the private money lenders. But the services offered by these lenders used to be exploitative and also very fraudulent. This is the very basic reason why loan lending authorities failed to make a mark for themselves until the economic reformation in the early years of the decade 1990's occurred. That economic reformation also brought a revolution in the field of banking services in India.

This led to a global change in the entire concept of banking. The introduction of modern technology such as the use of computers significantly contributed to the welfare of banking services which ultimately gave birth to Online banking services.

Online banking services mark the phase where an almost new type of banking of started. But one more reason that contributed immensely to this concept was the entry of foreign players into the market of banking. These new entrants were the result of the liberalised policies that the government adopted. Since India was a potentially rich place for every type of business. Hence, there was flood of many new entrants. These new players proved to be fruitful for the entire Indian economy. It is because these new banks began to pose a serious threat to the already established nationalised banks. This ultimately resulted in the overall development of banking services in India. The concept of Online banking services is the result of this radical change.

Providing Online banking service has become an integral part of today's banking module. It is significantly important for the modern banking companies since as the rates of property are touching sky and also it is not possible to setup an entire branch at every place. Also it may lead to incurrence of extra costs. This type of Online banking service allows the bank to reach to the place where the concerned person is at ease. It also saves the users to stand and save their time by standing in long queue's and in meanwhile wasting precious time. Also today many Online banking services also provides the users to get the knowledge related to any kind of loan or share market aspect just at the click of button. User can also check their balance, withdraw money, transfer funds and perform all other functions just like a normal person in bank can do.

Another main feature that has today caught the eye of every person is the fixed deposit. Today almost every bank is offering rate of interest above 9% in fixed deposit. The advantage of this high rate of interest is not limited to a certain age group but it is open to a person belonging to any age group. The high rate of interest in the fixed deposit is the result of high intensity competition. This is why today every bank is trying to offer higher rate of interest than the other. While for the senior citizen, it is quite max in profits, for other age groups it is only marginally less than that of the senior citizens. One unique thing about these fixed deposits is that they are only for a short period of time. They are generally for a period of one year or one and half. This short period is the prime reason why now and more and more people are now going for it without hesitating.

About The Author: For more information about about online baking services in India and fixed deposit interest rate. Please visit our website: http://www.paisawaisa.com

Article Source: http://EzineArticles.com/?expert=Addi_Vardhaman