Save Money with Accident Prevention Course

I love simple methods of saving money and reducing my monthly expenses.  A great way of saving money to get a reduced rate on insurance.  I'm not talking about switching insurance companies rather describing an accident prevention course to reduce your insurance cost.

You can save 10% on your car insurance

In many states it is mandatory that insurance companies give 10% off to drivers that have completed a DMV approved safety class.  In the past people have actually go to a driving class and hear a boring lecture.  Now you can actually register for a cheap class online and save on your insurance.

I found that the cost of class was made up in only a few months.  You can view the providers for your state on your states DMV website.  I actually found a class for a total of only $20!

The class I found was offered by the American Safety Council.  I used coupon code "NYMerchant" to save $5 dollars off the $25 fee for the NY class.  There site is newyorksafetycouncil.com for their New York Class.

The course was very simple and easy.  You can take the class whenever and wherever and have 30 days to complete the class.

Important thing to note
Some states charge a DVM reporting fee to the class providers to process paperwork.  I found some class providers will actually pass this cost onto people but not include it in the course cost.  Read the fine print carefully when pay and signup for a class.  The class I took ( did not require any type of extra fee or hidden cost.

Also, search for promo or coupon codes to save money for the classes.

eBay Costs and Fees

At the time of writing this article, the cost of selling an item on eBay is rather easy to calculate.  While eBay fees and selling policies are subject to change, here is the current fee structure:

10% Final Value Fee

The Final Value Fee is simply 10% of the total amount of the sale

There is also a fee imposed by PayPal for receiving payment for selling an item on eBay.  Currently the cost for business and premier accounts (the types required for selling on eBay) is $.30 per transaction and 2.9% of the money received.

Therefore the cost of selling an item is 12.9% and cost of selling an item on eBay (for all you algebra fans out there) would look like:
Cost of item *.129 +.30

Why might this be helpful?
Well for one thing it might give you an idea if its worth selling an item if you're going to be charged over 12.9% for selling an item.

You can also do what I do.  Simple make a spreadsheet in excel and input the formula.  Part of my spreadsheet looks something like this:

The fees column of the spreadsheet simply adds the previous two columns and adds up the fees:
(Item Sell Price + Shipping charge to buyer) * .129 +.3

Making a simple spreadsheet can help you to calculate eBay fees and is often easier to use than the fee calculator on eBay's website.

I could share my spreadsheet or you could find one someone created online but it might be best to simply create a simple one that fits your own needs.

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