European Stars and Stripes (Newspaper) - July 13, 2007, Darmstadt, Hesse                                July 2007 stars and stripes Page is your Money time throws wrench in filter theory dear Tom and Ray while i was attending the University of Oklahoma in a study was done by the Petroleum Engineer ing the question was is draining Oil from a vehicle necessary they worked with White trucking and tested their theory on Long haul using Only a toilet paper filter and Only add ing they ran one set of trucks against ones that received Oil and filter changes for the re sults showed no significant Wear differences Between the they also concluded that the Oil in the no change vehicle was because the weak molecules in the Oil broke Down and evaporated this study was going on at about the time that the Conoho Oil company was working on Bio fuel and had developed a Plant in but then both the study and the Plant were suddenly and i never heard any what is your take on the Oil change theory Don Tom i remember that it was funded by Ray while we dont know anything about that particular id take it with a Grain of Tom first of motor Oil has improved dramatically in the past 50 so whatever was done then probably Doest apply Ray diesel trucking engines Are built to last much longer than automobile so Miles might not have been enough to show the damage of forgoing Oil Click and Clack Tom and Ray Magliozzi wednesdays Market i indexes High Low chg chg chg Dow Jones industrials Dow Jones transportation Dow Jones utilities nose composite amex Index Nash a composite Russell 2000 of Wilshire 5000 1 ii most Active or Active or More most Active name last last chg name forum 609767 1436911 push Sqq 908308 Micron 416995 711962 Intel 513371 Pfizer 405371 435195 Microsoft 413906 Motorola 375797 261790 Cisco 405213 so map 334780 188342 Sun Micro 337134 Geneles 319205 160132 Levels 297718 pm cup 275994 111467 Apple inc 287048 pm Orch 271778 78746 at Mel 286998 i Tigre 245897 69853 Oracle 281019 and 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requires men to change a Roll of toilet Tom aside from that fatal weve had Good reports about it from our customers Dur ing the but keep in mind that anyone who would go through the trouble of in stalling and using one of these things obviously is very interested in car care and that kind of person probably tends to take particularly Good care of his car in All kinds of other which could skew the Ray in any our personal experience at the garage suggests that changing the Oil and filter regularly is and not changing the Oil and filter regularly can be very bad even catastrophic Over the Long Tom and its relatively cheap its or a few times a for most so we still strongly believe in changing the Oil in your and changing the Toile paper Roll in the and not vice got a question about cars write to Click and Clack in care of this or email them by visiting the car talk web site at Exchange rates military rates euro costs july Dollar buys july British Pound july japanese yen july South korean won july commercial rates Bahrain British Canada China Denmark Egypt Hong Kong Hungary Israel Japan Kuwait Norway Philippines Poland saudi Arabia Singapore South Korea Switzerland Thailand Turkey new military Exchange rates Are those available to customers at military Bank ing facilities in the country of issuance for South the Netherlands and the United for no local currency Exchange rates purchasing British pounds in Germa Check with your local military Bank ing commercial rates Are inter Bank rates provided for reference when buying All figures Are foreign currencies to one except for the British which is represented in and the which is precious metals new York merc close Gold Silver interest rates prime discount Federal funds Market rate 3month 30year sources the associated Bank of America when buying dont learn on Fly or till Cost you special to stars and stripes nearly 17 million americans will Purchase a new vehicle this savvy car buyers should take the proper Steps to finance and insure their new car and protect their financial Well being be fore making such a major commit choose carefully dont let that new car smell Cloud your judgment Analyse your financial situation to deter mine what monthly payments you can really afford while still Devot ing some disposable income to pay ing off saving and compare competing models in the same class and dont forget to account for insurance a vehicle that is less More expensive to or has High records of theft May Cost More to once you decide on a make and enlist a service that can quickly scan dealer inventories nationwide to locate a car with the features you it might save you Money and the trouble of driving All Over most dealerships will negotiate on the manufacturers suggested retail Price researching what the dealer paid for the and what incentives they receive for Selling can work in your favor As you approach the bargain ing in most theres room to lower the Price and still allow the dealer to earn a reason Able buying blunders As the summer car buying sea son heats you May be tempted to snatch up what sounds like a Good before you Rush make sure you dont let emotions Rule your Deci that red sports car might make your heart go but if you need room for car keep your dream car can become a Nightmare if it Doest fit your lifestyle or the monthly pay ments and insurance Bills stack up to More than you can neglect car sales people Are masters at negotiating the Best Deal possible for them selves or the that dont go shopping use the Auto or consumer reports to read car compare vehicles and options and print out detailed pricing save your i person Homework for test ignore pricing it May be fun to buy a new car As soon As it hits the but you could pay a Premium for that that because when next years cars first reach dealers in August and september they tend to sell for closer full prices drop As each month forget to shop for car waiting until youre at the dealer ship to think about financing limits your Many dealerships count on you being unprepared so they can finance your car and too often its not at the most competitive Check your credit report shop for and get Preap getting pre approved Means youve set a limit on what to spend so no one can talk you into you also can shop like a Cash but to get the lowest Price keep that information to yourself until youre ready to you can always accept a dealers financing if the rates bet offer your Trade in right a Trade in should never be part of the initial negotiations save this discussion until after youve agreed on a Price for the new dealers May offer a below Market Price for your Trade in and use the difference of what you Shoul Dve received As a discount on the new cars dont go for if they give you for a Trade in value and then take off the new car youre simply at breakeven and Haven gained a insist they keep the Trade in amount and any discounts Sepa pay the sticker except on the hottest and rarest you have Power to negotiate if you know the going Price for cars in your car buying web such As Kelley Blue Book and also can provide these the United services automobile association is a financial services company and a provider of investments and banking products to members of the military and their Gas country unleaded plus unleaded change in Price cents cents cents in Price South cents change in Price cents cents cents in Price cents cents cents change in in change in change in Price Italy change in no the week of july 1420 diesel end