Buying vs. Leasing a Car

Having access to a vehicle is a must in today’s world. Often, not having a car can mean all the difference, whether it’s for personal or professional matters. But it’s also really important to have a reliable car, not just any car. There are several factors to consider when it comes to buying a car. Cars aren’t cheap, especially when buying one outright. In order to make a smart financial decision, be sure to take the following into account.

If you’re a person that likes to drive good cars but doesn’t always have the finances to afford one, leasing is an incredibly affordable option in most cases. Not always, because owning a car means that after you pay it off, it becomes yours to do what you wish with it, but for the short term having a lease negates many of the downsides of owning a car.

If you don’t spend too much time on the road or you can’t afford to purchase a car outright due to the loan being too expensive or the down payment too high, for a smaller cost you can lease practically any car you want. For example, you could lease a Mercedes and still be able to pay off the lease, because in most cases, the lease only lasts for two or three years.

Owning a car means it’s yours to do whatever you please. If you have a loan on it, every payment you make builds equity, and once you pay it off it’s completely yours. But remember, loans are more expensive and generally require bigger down payments, so if you need access to more cash each month, then leasing is the more favorable option.

One thing to note when leasing a car is that while it’s a great alternative to owning, there are some factors to consider before signing on the dotted line. Firstly, be aware that your leasing company has a limit on how many miles you can drive within the terms of the lease. If you manage to go over them you will need to pay additional fees for every mile driven over the limit. In some cases the mileage limit can be negotiated, or you can pay to increase the limit when signing the lease.

Also, if you’re accident prone or have young children that might be pose a risk of scratching the vehicle then a lease may not be the best option. Damage fees for leased vehicles can vary but they´re generally limited to the total amount of three month’s worth of lease payments.

In conclusion, both owning and leasing have their pros and cons. If you don’t have the money to purchase a new car, and maintaining an older vehicle feels like too much of a hassle, then leasing is definitely the way to go. If you plan on using the same car for the foreseeable future, and you’re looking to spend less money in the long run, then buying a car would make a lot more sense.

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3 Reasons Why your Next Holiday Should be a Cruise

Picking a destination for a relaxing holiday can be difficult. There are so many wonderful places in the world to see and explore. Deciding on a location also depends on the type of activities that you would like to do. A great way to explore and relax simultaneously is to go on a cruise.

Visit many locations within your budget

When going on a holiday you will most probably want to make the best of it. Most people cannot take very long breaks from their everyday jobs, but they would like to visit as many places as possible during their break. When you go on a cruise, you can visit lots of different locations during one single holiday. There are lots of different cruise options out there that will meet everybody’s expectations for location and budget. Some cruises can be expensive but often you can find a great deal on a last minute cruise and this way you can keep your exploration within budget. Typically, the price of a cruise includes food and access to the facilities available onboard. If you add up the cost of a regular holiday with travel, hotel and entertainment expenses then you will discover that a cruise might even be cheaper or roughly similar. Therefore, cruises are great value for money as all your basic needs will be covered with no extra spending.

Stress-free travel

On a cruise you have the benefit of your accommodation “moving around” with you. If you were to travel to different locations, moving from one hotel to the next whilst having to bring your luggage with you, can get very stressful and you might not enjoy this kind of holiday. Whilst on a cruise you don’t have to worry about this. When you arrive at your location, you simply disembark the ship with just your camera and you can explore the city, without having to worry about your personal belongings – when you get tired you can just return to the ship to relax. This stress-free mode of travel is perfect for the ultimate relaxing holiday. Cruise ships have lots of activities available onboard but in the end, it is up to yourself if you would like to do something or just relax and enjoy.

Activities galore

There are so many different things you can do on a cruise. Relax by the pool, getting a spa treatment, sightseeing and enjoying the entertainment onboard are just a few of the possibilities. Most ships have restaurants, bars, gyms, spas, shops and some even have jogging tracks or basketball courts. The amount of possible activities onboard can be overwhelming and there are even more options when you arrive at the port and you can visit the city. Cruise ships are a great holiday for young people, couples, families with small children and seniors.

There is no denying that a cruise is a wonderful vacation. You have the chance to visit many different places and do lots of different activities in a relaxing environment while creating memories that you will cherish for years to come.

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Top 5 Things To Do In Paris

Paris, the city of lovers, one of the most historic cities in the world, and one with nearly limitless entertainment. If you really want to see everything in the city you will need more than one trip. However, if you want to get the five best experiences out of the way follow along with our list.

1. Visit The Eiffel Tower

The number one must see attraction that everyone knows about, the Eiffel Tower is a must see location. While most people love to go during the day, the best view, and the shortest lines, are actually during the evening. This destination doesn’t take very much time to visit, but is one of the most romantic places in the world. Be sure to snap the classic picture in front of the tower, everyone you talk to will ask to see it when you get back.

2. Go To The Louvre

Home to some of the most amazing pieces of art in the world, this amazing museum is a must see for anyone and everyone. The museum itself is also a piece of art, created in a style that has never been fully replicated since. While you won’t be drawn into a mystery DaVinci code style, you will see all of the artworks mentioned in books, movies, history books, and more. Make sure to ask if they have guided or audio tours available in your language.

3. Try Real French Food

Everyone has heard of crepes, croissants, French wine, and other parts of French cuisine, but few have ever tasted them done correctly. Paris has some of the best food chefs in the world and even the corner bakeries are known for their culinary skills. Be sure to ask for the best wine or coffee pairings for each dish to really get the best flavors during your visit.

4. Moulin Rouge Show

One of the top things to do in Paris is to see a Moulin Rouge show. More than just a 90’s song, the Moulin Rouge is a real place and offers some of the most amazing shows in the world. With over 100 years of history, the amazing show includes both cabaret and amazing food. The show features amazing costumes, quick and fascinating dance sets, skilled artists, and more laughter than you would have ever thought possible. Packages offering champagne, cruises along the Seine River, and more are available.

5. Visit The Catacombs

Located underneath the city proper, the Catacombs of Paris are an underground network of tunnels that hold the remains, memories, and life history of more than six million people who lived in Paris during their lifetimes. While these tunnels extend under most of the city, only certain parts are open to the public. Guided tours are offered each day and multiple languages are supported, making it possible to enjoy yourself without struggling to remember your 10th grade French class. Take comfortable shoes and plan to be gone for about 3 hours if you go on one of these tours.

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JUDGING THE BENEFITS OF A GOOD BOARDING SCHOOL

Boarding schools sit at the top of the education ladder for students, and few would deny that they provide a superior education in an environment that best prepares students for higher education and beyond. Like many quality things in life, tuition for boarding school can also be costly. What many do not take into consideration is the “value” that the students receive, and joy it brings to the parents.

There is no doubt that  boarding school costs  are high when compared to other options. Many boarding schools have programs that allows for students from less affluent families onto their campuses. They do this primarily by offering needs-based financial aid to families. Student’s academics and community service records become essential when reviewing a student’s application.

However, even if there is no financial assistance available, parents can look at the benefits that boarding schools provide and find that they outweigh their costs. Let’s examine some of those benefits and determine why this is the case.

TEACHERS, EDUCATION TOOLS, AND CURRICULUM

Boarding schools provide students a powerful mix of academic benefits. These include; an education-focused, immersive environment, and a proven track record of results. They also invest in the best school curriculums sourced from top educators all around the world.

In terms of teachers, only the finest are hired. For explanation’s sake, the finest means teachers with the highest accreditation who consistently demonstrate their ability to get students to excel, and have a passion for teaching and motivating students .

Supporting the teachers and the curriculum is an infrastructure of administrators, tutors, teacher assistants, and additional staff members all focused on helping students to achieve academic excellence.
Finally, boarding schools have the most robust learning tools and facilities of any learning institutions. The campus may boast multiple libraries, state of the art labs, world-class theater, as well as study and practice halls equipped with computers, and other useful learning support tool that are available. Made accessible to every student.

THE SCHOOL’S CHARACTER AND VALUES

Boarding schools thrive because of their ability to graduate well-educated and complete students to top universities. They also excel because of the culture the traditions they celebrate. Parents expect that their kids will not only be educated well when they attend a boarding school, they also want them to become more well-rounded people who have a greater sense of the world, a stronger grasp on good morals, and to exude high character traits

Boarding schools pride themselves on delivering students who fit this description. They indoctrinate students into a proven culture that has produced results for decades. They have strict codes around dress, behavior, and actions that all students must follow to the letter. When rules are not adhered to, they have a clear set of procedures to correct things. Their dogged adherence to these high codes of conduct, excellence, and good citizenship serves students well and give them an advantage over other students when they enter higher education and the job markets.

STRUCTURE

Today both parents often have to work to make ends meet. As a result, many kids do not have their attention consistently. This can often lead to a lack of structure and the young one feeling lost and even acting out. We hear of many cases of this, even with good kids who sometimes never recover.

Boarding schools provide the structure and consistency for kids that is often lacking in the home. After an initial period of adjustment, students will thrive knowing that there is structure they can lean on reliably. Many of the most reluctant students end up being the most prominent boarding school advocates after they spend a semester in the school. And parents can count on well-behaved and focused learners who direct their energies toward their bright future.

The benefits of a boarding school are plentiful and undeniable. When you place them alongside other education options for your child, they will prove to be the best choice.

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Natural Fertilizers and Their Benefits

Winter has a tendency to destroy lawns. According to professional lawn care company TruGreen complaints about winter include that it kills the blades, injures the roots, and saps any remaining life out of soil. Unless you have signed up with a professional lawn service like True Green, you will spend all of spring and most of summer trying to restore your lawn, only for it to start all over again. Yet, if you know how to treat your lawn, using natural products, essentially becoming Mother Nature’s best customer, you may be able to avoid this. And this is particularly true if you sign up with a proper service like True Green, who use natural products only.

The Importance of Going Natural

True Green prides itself on avoiding chemical products, something that is clearly appreciated. If you read the company’s reviews about the different lawns that they service, you will in fact see that this is one of their key advantages. The company also encourages anyone who finds a review helpful to comment. In commenting on this review, they benefit future customers as well.

So why is it so important that they only use natural products? There is, unfortunately, a widespread belief that natural products aren’t as strong and that chemicals are therefore superior. While it is true that chemicals will work, perhaps even better, this is only for a very short period of time. Not just that, when you start to introduce chemicals to the environment, you are causing untold damage to a variety of other things as well, including plants, groundwater, and more.

When you use something natural and go organic, you allow Mother Nature to do what she is best, and that is to support natural plants. There are lots of fantastic organic products out there and they work incredibly well. Not just that, you can also use organic fertilizers on any edible produce you grow in your garden, and you never have to worry about your pets or children accidentally come into contact with toxins. The simple fact is this: if you wouldn’t let your child ingest something, don’t feed it to the earth either, as your child will then indirectly ingest in anyway.

If you decide to go organic and to use natural products, you will see that your lawn effectively learns to support itself. Your grass will become luscious and green, and the envy of the neighborhood. With winter fast approaching, now is the time to call in the True Green experts so that they can apply a dormant fertilizer to your lawn, in the right amount and concentration. This will ensure that your lawn can rest over the next few months, ready to begin growing again in summer (at which point you need to fertilize again, by the way). Only natural products will be used, which means that you allow nature to do its work, the way it is supposed to do. Avoid chemical products and companies that use chemical products, the future of the planet depends on it.

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Tips for Reaching and Staying at Your Target Weight

More and more around the world people are struggling with weight issues. This regrettable fact is one that has nations gripped in fear because it is causing many of its citizens to suffer. The incidences of heart disease, diabetes and high blood pressure has risen to epic heights and is now nearly an epidemic even in children.

There are many culprits: a sedentary lifestyle, too much fast food which contains lots of preservatives and sodium, not enough fiber in our diets, and simply consuming too much food. Individually each of these would create problems, collectively they paint an alarming picture of society today.

The primary issue seems to be bad eating habits. The reaction by governments has been to spend billions to educate the public on good eating habits and to regulate out the worst type of food offenders. In New York, the mayor even tried to outlaw the sale of super large sized sodas because he believed that their consumption was directly contributing to New Yorkers excessive weight gain. Although the measure was struck down in court, it shows desperate times are in many places to get people to do better managing their weight.

Because of the many unhealthy food choices available today it is really difficult to get fit, however there are some things that one can do to reach and maintain a healthy weight. Here are some tips.

Set up a Healthy Diet Plan

A healthy diet plan allows you to aim toward eating the right food and staying on track throughout your day. Reaching your ideal weight and staying there is a day to day activity, so creating a plan is essential to your goal. Your plan should have the following:

Eating Smaller Meals More Often – People in Asia and certain parts of Europe have been able to maintain healthy weights by altering their eating habits. Whereas the traditional style of western eating has been three large meals during the day, they eat as much as six smaller meals approximately 3 hours apart. Each meal contains a fat, carbohydrate and protein and is prepared low fat. This eating plan will take the pounds off.

Use a Weight Management System – A weight management system consists of a complete group of products and strategies that will help you lose weight. A great example is the ZEN Project 8™ by Jeunesse. Over the course of 8 weeks, you’ll be guided through 3 easy-to-follow phases with premium ZEN products, expert coaching, and ongoing support from an active community of like-minded participants. It’s never been easier to stay on plan as you clean, sculpt and reprogram your body. This strategy allows you to jumpstart your weight loss activities and have the support of others who are invested in your success.

Never Order Fried Food

Fried food is food that has been cooked in some type of oil at high heat. It does not matter the type of oil used because all oils when heated to frying temperature become very unhealthy and turn into substances that are very unhealthy for the body. In fact there is no more unhealthy food than fried food. So you should avoid it at every meal. A much better option is sautéed, steamed or baked provided you do not stack up the oils and butter during this process. This should include deserts such as donuts other pastries that are also fried.

Set a healthy diet plan and stay away from foods that undermine your goals and you will be the healthiest you have been in your life.

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Judging the Benefits of a Good Boarding School

Boarding schools sit at the top of the education ladder for students, and few would deny that they provide a superior education in an environment that best prepares students for higher education and beyond. Like many quality things in life, tuition for boarding school can also be costly. What many do not take into consideration is the “value” that the students receive, and joy it brings to the parents.

There is no doubt that boarding school costs are high when compared to other options. Many boarding schools have programs that allows for students from less affluent families onto their campuses. They do this primarily by offering needs-based financial aid to families.  Student’s academics and community service records become essential when reviewing a student’s application.

However, even if there is no financial assistance available, parents can look at the benefits that boarding schools provide and find that they outweigh their costs. Let’s examine some of those benefits and determine why this is the case.

TEACHERS, EDUCATION TOOLS, AND CURRICULUM

Boarding schools provide students a powerful mix of academic benefits. These include; an education-focused, immersive environment, and a proven track record of results. They also invest in the best school curriculums sourced from top educators all around the world.

In terms of teachers, only the finest are hired. For explanation’s sake, the finest means teachers with the highest accreditation who consistently demonstrate their ability to get students to excel, and have a passion for teaching and motivating students.

Supporting the teachers and the curriculum is an infrastructure of administrators, tutors, teacher assistants, and additional staff members all focused on helping students to achieve academic excellence.

Finally, boarding schools have the most robust learning tools and facilities of any learning institutions. The campus may boast multiple libraries, state of the art labs, world-class theater, as well as study and practice halls equipped with computers, and other useful learning support tool that are available. Made accessible to every student.

THE SCHOOL’S CHARACTER AND VALUES

Boarding schools thrive because of their ability to graduate well-educated and complete students to top universities. They also excel because of the culture the traditions they celebrate. Parents expect that their kids will not only be educated well when they attend a boarding school, they also want them to become more well-rounded people who have a greater sense of the world, a stronger grasp on good morals, and to exude high character traits.

Boarding schools pride themselves on delivering students who fit this description. They indoctrinate students into a proven culture that has produced results for decades. They have strict codes around dress, behavior, and actions that all students must follow to the letter. When rules are not adhered to, they have a clear set of procedures to correct things. Their dogged adherence to these high codes of conduct, excellence, and good citizenship serves students well and give them an advantage over other students when they enter higher education and the job markets.

STRUCTURE

Today both parents often have to work to make ends meet. As a result, many kids do not have their attention consistently. This can often lead to a lack of structure and the young one feeling lost and even acting out. We hear of many cases of this, even with good kids who sometimes never recover.

Boarding schools provide the structure and consistency for kids that is often lacking in the home. After an initial period of adjustment, students will thrive knowing that there is structure they can lean on reliably. Many of the most reluctant students end up being the most prominent boarding school advocates after they spend a semester in the school. And parents can count on well-behaved and focused learners who direct their energies toward their bright future.

The benefits of a boarding school are plentiful and undeniable. When you place them alongside other education options for your child, they will prove to be the best choice.

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How to Finance Your Honeymoon Expenses

Your wedding is probably one of the most memorable experiences in your life. You and your partner have planned for this event for so long and you’re about to spend a lot of money.

Although weddings will always make us happy; it is the honeymoon that will increase that happiness manifold.

Now, weddings are already expensive and during the honeymoon, you will also need to spend some money as well.

Fortunately, there are ways to finance your honeymoon expenses. Here are some tips:

1.    Wedding Loans

Wedding loans- or personal loans that are used for wedding expenses- is a great way to finance your honeymoon.

In this type of loan, you can borrow as much as $35,000, provided that you have a good credit score. Typically, you can get the money within 3-5 days after applying for the loan.

Just remember to pay it promptly since there are financial institutions which have high interest rates.

2.    Crowdfunding

Another great way to earn money for your honeymoon expenses is through crowdfunding. Although some people might not agree with this, most people that do crowdfunding for their weddings actually do not mind. In fact, there are some people who are willing to donate some money for such a momentous event.

When you’re planning for the wedding, you’re also planning for the honeymoon. The money that you can get from crowdfunding can be used for all of the expenses; including your honeymoon vacation.

3.    Credit Card Perks

If you own a credit card, you can make use of the perks. There are some credit card companies that offer frequent flyer miles or points that you can use for travel.

There are also some perks that make use of points in exchange for cash or other things including food, clothing, etc.

4.    Cash Advance Schemes

There are some cash advance methods you can apply for. Cash advance is a way to get some money, especially for your honeymoon.

Fortunately for you, getting money from this method is easier than ever. Aside from your local lenders, you can also apply on the internet as there are cash advance programs online.

If you borrow money from cash advance programs, make sure that the lender you’re going to get money from has a license to operate. This is to ensure your safety when transacting with them.

5.    Book in Advance

This is not financing, per se, but you can save more money when you book your honeymoon plans beforehand.

There are some packages out there that give you amazing discounts if you book way ahead of time.

Furthermore, booking in advance will ensure that you will get a reservation, especially when you’re going to a place where there are a lot of people.

Conclusion

Financing your honeymoon expenses is actually quite easy. You can book in advance so that you can avail of certain discounts.

If you own a credit card, you can make use of the points or avail of the perks. There are also cash advance programs as well. The options you have are limitless.

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The First-Time Buyer’s Guide to Buying Fantastic Home Furniture

If you have bought a new apartment recently and want to design its interiors on your own, you need to use your inventiveness to the fullest. You can’t design beautiful home interiors until and unless you have a basic idea of how furniture, colors, textures, and patterns work together to create a fine balance in your space.

We all aspire to have a picture-perfect house but fail to understand the fact that our strong involvement is very important when it comes to decking it as per our requirements. For creating unique and spectacular spaces you have to think beyond your imagination and implement out-of-the-box ideas.

Whether you believe it or not, your creativity has the potential to bring a world of difference in the way you adorn your house. If you use it accordingly you can surely create magical interiors.

One of the most important things that you must keep in mind while furnishing your house is you should give equal attention to each room. If you give additional importance to any particular room over others, it shows that you have little knowledge about creating balanced spaces.

So, if you are planning to deck your house from scratch, here is what all you need to buy.

Get Comfy Living Room Furniture

While designing a living room, you must focus on the comfort quotient at the first place. Order the kind of pieces that can liven up your space and can offer great comfort to you and your guests. A couch remains an integral part of living room furniture and hence you should try to order the best one for your house that comes under your budget.

When it comes to creating a perfect seating space in your living room, you can either choose a love seat, a sectional sofa or recliners. In addition to that, you can also go for a sleeper sofa, if you have a small house.

Apart from a couch, the other important living room furniture pieces include a center table, armchairs, ottomans, and sideboards etc. Depending upon the availability of the space in your room you can order the pieces that you feel are important.

Order Quality Bedroom Furniture

Once you are done with deciding what all you require for your living room, you then need to concentrate on your bedroom. When it comes to decking your bedroom, the first thing that you should buy is a quality and comfortable bed. Some people easily get attracted to expensive furniture and order it immediately without giving a thought to their actual requirements. You need to save yourself from such conditions.

Before ordering a single item, you have to analyze which are those pieces that are truly important for you. Apart from having a bed that can last at least for a decade, you also have to buy a cupboard (wherein you can arrange all your clothes) and a dresser and mirror. No one can do without a dresser and mirror, so that’s very important for you, after the bed.

While ordering the furniture for designing your personal space, you have to think more about your own taste.

Get Functional Dining Room Furniture

After designing your living room and bedroom, you now have to think about dining room furniture. When it comes to buying those elegant pieces for your dining room you will be spoil it for choice. Nowadays, dining tables are available in multiple designs and styles, all you have to do is consider the size of your room and then order a perfect piece for it which serves the requirement of your family in the best way possible.

While buying a dining table you have to give a lot of importance to the material because it affects its durability. The other important pieces that you must include in your dining room are servers, buffet, and display cabinets.

Buy Astonishing Kids’ Room Furniture

If you are blessed with lovely kids, it’s important for you to design a comfortable space for their personal use. Your little ones love to spend a lot of time in their own room because that’s the place where they enjoy the maximum freedom in the house. Deck your little ones’ room with quality kid’s furniture so that they can enjoy the ultimate comfort. You can involve them in the shopping process if you want to make them really happy. Kids have their own taste, so it’s better to order furniture for their rooms after consulting them.

Last but not the least, no matter what kind of furniture you buy for your house, you should always give sufficient importance to its color and texture if you want to create glamorous spaces.

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Is a DUI Charge Going to Drive Your Future?

Being saddled with a driving under the influence (DUI) charge can harm you in several ways.

To start, there is the scenario where you end up going to jail and losing your driving privileges for some time. When you add in a big fine, the outcome can seem rather dire.

Another scenario is when you’ve not only gotten a DUI charge, but your actions led to an accident. As a result of that accident, one or more people get hurt. In the event the injuries prove fatal, you could be steering at some major hard times ahead.

With that being the case, it is imperative that you have an experienced DUI attorney by your side.

He or she can assist you in mounting a legal defense. That defense should do everything possible to show that you are innocent of the said charges. If it appears you will not be able to beat those charges, you at least want to fight for the best available plea deal.

So, is a DUI charge going to drive your future?

Presenting Your Side of the Story

When you are facing DUI charges, don’t take them for granted. Such charges can impact not only the present time, but also your future.

With that in mind, look at how a DUI conviction could alter your life moving forward.

Among the ways:

1. Career aspirations – For some, finding and keeping a job can be challenging enough in today’s world. Now, imagine if you’ve got a DUI conviction hanging over your head to boot. Such a conviction could hamper a present job or the ability to locate a new one. This is why beating the conviction is so important. With the right attorney by your side, you stand a better chance of walking away from the charges.

2. Personal life – Some family and friends may look at you in a different way with a DUI conviction. The level of trust you had with some of these people could change moving ahead. If someone relies on you for transport, would they again get in a vehicle with you? They may now consider you an unsafe bet when you get behind the wheel. If you have children, what kind of example would you be setting for them with a DUI conviction in your life?

3. Financial ramifications – Last, having a DUI conviction can also cause financial ramifications. For example, the fines that go with such charges can be hefty. When you have to apply again for a driver’s license, you’re looking at more money. Last, expect your auto insurance to go up with a DUI conviction on your record. As you can see, you’re not getting out of this situation with more money in your wallet.

Avoid Being a Repeat Offender

In the event you are unable to shake a DUI charge, learn from your mistake.

Sure, it can be a costly experience, but it is one that you do not want to go unnoticed.

Think twice before having a drink and getting behind the wheel next time. If you were lucky, your DUI experience did not result in an auto accident.

If you convicted of more than one DUI experience, you may lose your driver’s license for good.

Next time you think about drinking and driving, think about the repercussions.

In the end, chances are you won’t make the same mistake twice.

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