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Beware! Ghosts and goblins, Batmen and mermaids will be roaming the streets again at sunset on October 31st! Many of us think about the kids in the neighborhood, but these days there are folks on every street enjoying the Halloween spirit! Halloween should be a happy day, but the American College of Emergency Physicians notes that twice as many kids are hit and killed on Halloween than any other day of the year. Here are 10 safety tips to help you and your loved ones safe this holiday!

Consider these factors before you take sides.

Oh my gosh! Ask 20 different people about the pros and cons of buying a new car vs. buying a used car and you'll most likely get 20 different answers split 50/50 on the reasons why they prefer to buy a new car over a used car or a used car over a new car.

When it comes to purchasing a "new to you" vehicle, there are many factors to consider, but in reality it simply comes down to two (with some gray area overlap in the middle); 1. Financial status, and 2. Personal preferences.

CREDIT. Everyone wants good credit, but everyone hates credit. According to NerdWallet, “the average U.S. household with debt carries $15,310 in credit card debt and $132,086 in total debt.” Of course, paying your debts on time helps your credit grow stronger, but we know that bad stuff happens, even to the best of us. Bad credit can keep us from buying things that we really need, like cars, and homes. Bad credit can linger in the background of our lives for years as a dark cloud. So what can you do about it? The good news is, it is not too difficult to rebuild credit, fairly quickly.

It's September Already!

....and the kids are back in school. This means it is even more important to be vigilant on the road in Hampton Roads.

It's impossible to miss the herds of yellow school busses rolling through our neighborhoods and plying our secondary roads. Yes, it can be frustrating when you're running late and you find yourself behind a school bus that is stopping every few blocks and you need to go! Shake off that sense of urgency and remember that these yellow beasts are transporting some very special cargo.

You just left the pump, and you are back at the pump already. Gas prices are better than they were a few years ago, but every time you fill your tank, you are emptying your wallet. What can you do about it, though? You have to get to and from work. Otherwise, you will never be able to afford to put gas in your car to get to and from work! Have you been skipping out on trips to the beach or mountains because another tank of gas just is not in the budget? Here are a few tips on how to get better gas mileage.