5 Shares For 2013

2012 has been a decent year for the FTSE 100 (UKX). So far this year, the index has risen 7.1%. That's in line with the long-term average return on equities.I've looked through the FTSE 100 to find five ...

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Retirement and the ‘fiscal cliff’

Higher tax rates will provide a good incentive for retirement savings, according to Michael Barry, president of the Plan Advisory Services Group.

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The Best Custom Car Shops in the U.S.

If you’re new to the custom car world or are looking to get your first auto customized or restored, you may not know where to start. There are so many car shops out there that we thought we’d give you a hand. Here are some of the best custom shops in the nation. With such a small list, we’ve obviously missed some, so tell us your favorites in the comments.

1. West Coast Customs:

   A good place to start when dipping your foot into a new world is with some of the most famous examples. West Coast Customs is a well-known shop with franchises across the world, and we bet you’ve heard at least something about it. This shop was the original site for Pimp My Ride on MTV. It’s now featured on Velocity’s Inside West Coast Customs. This Corona, Calif., shop has done jobs for celebrities like will.i.am and Mark Wahlberg.

2. SoCal Speed Shop:

   Founded by hot rod legend Alex Xydias, SoCal Speed Shop continues to produce high-caliber custom autos. Under President Pete C...

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Top 50 Insurers 2012

The results are in … who’s topped the list?

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Learning About Vehicle Insurance Suitable for Young Vehicle oper

Auto insurance policy here in the UK

Car insurance policies insurance rates have gotten so excessive that car owners cringe at the sound of it. Mainly because of the prices sky rocketing to a level of no return. During the years, car insurance policy has been on the rise- it has now become a portion of 'household' expenditures and obtaining a bargain coverage is without question easy starting to become an illusion compared with reality. On the other hand, although prices are ever rising, it's still a requirement for each and every drivers to own. 

Why must you have a motor insurance cover policy?

In most nations, vehicle insurance is considered vital for all drivers. Primarily here in Great Britain, its a primary obligation for all motorist to obtain a policy on any car they operate. Currently there are numerous gains to holding an insurance coverage- however , the two most significant are:

To help protect you against 3rd party allegations and court costs: If connected in an impact which is caused by you, a third party could prosecute you for negligence or any burden they could have sustained due to the impact. 

Driving a vehicle while you are unprotected can result in a disqualification from driving as much as several years, get penalty points on your driving licence, you would required to retake your test of driving ability and risk of prison time for constant culprits.

What to expect when you drive without using the proper insurance cover

Driving a motor vehicle without an ideal insurance cover is an offence. The following are what may happen if you're arrested for driving with no an insurance protection: 

1, You may incur endorsements on your licence which may hinder your ability to secure a job that involves driving or even risk losing your licence all together.

2, It's common for persistent offenders to get couple of months or even several years ban for not having an insurance policy on the car they drive.

3, Offenders do get minimal or massive fines which will depend on how severe the offense might be- some offence may carry up to a maximum fine of £3000 if it endangers life or property. 

4, There have been known cases of prolific offenders doing time for the amount of damage they've caused as a result of not having a policy.

Things to consider before taking out a policy

Young and new drivers attempting to by car insurance for the first time can rather find it complex- as they may not know what to look out for in a policy. With all the 'jargon', 'lingo', terms and conditions contained within the policy, new drivers might often need experienced drivers to explain the policy to them in plain and simple English. Nevertheless, there are still important things to consider in a policy before even considering to buy it. These are just a few of the many factors to consider: 

• What level of cover would be suitable for your situation? the three basic level of cover include- third party, third party cover and theft and comprehensive policy. 
• Most insurers in the UK require excess- level of excess is the amount you contribute towards repairing your car when you're involved in an accident. Voluntary excess is not mandatory while compulsory excess is 
• Avoid settling for the first quote that comes your way, otherwise, you'll lose out on cheap deals. Compare as many quotes possible.
• Always observe the special conditions that applies to your policy- whether you're protected when you drive within other European countries, are you entitled to a courtesy vehicle should your car be out on repairs? are you allowed to drive other cars with the owners permission? 

Ways to lower your car insurance premium

Apparently, there is no cheapest car insurance provider. There are too many factors that influence the price of car insurance premiums: the type of vehicle you drive, who you are, your driving history, where you reside and your occupation all help decide the kind of quote you get for your policy. Your sole objective will now be to spot the cheapest car insurance deal possible by:

• Getting a car that's categorized to fall within the low insurance group. For example, smaller engine sized cars like Fiat Punto, Vauxhall Corsa all fall within the low insurance group of cars as a result of their small engine capacity. Typically, vehicles with small engine sizes all fall within the low insurance groups- the bigger the engine sizes the higher premium you'll end up paying.
• Two types of excess: compulsory excess is amount you've agreed with your insurer to pay in the event of an accident, voluntary excess is amount you're willing to pay - the higher your excess the cheaper your policy, vice versa.. Resist the temptation of inflating it, stick with an amount you're comfortable with.
• Parking your vehicle in a garage overnight can help lower your premium. Minimizing the risk of criminal damage, burglary and theft should enable your insurer offer you cheaper premiums in return. 
• Installing security gadgets like tracker, alarm and immobilizer often reduce or prevent theft of vehicles as such insurance companies reward drivers with such security measures with discount premiums on their policy.
• Comparing car insurance prices also means shopping around for the best deal on offer, price comparison website like www. cheap car insurance x. org/ allows you compare quotes from 110 car insurance companies within minutes- saving you valuable time and money.

Where to get cheaper premiums

Discovering affordable premiums can some times become mission impossible. Good number ways you can find discover these elusive low cost quotes will be to minimize your perceived risk factor to the insurance company and compare insurers.

There are so many insurance packages that insurance companies offer to motorist, the package you request would depend on the quote form you're given, typical examples are: quotes for student car insurance-http://www.cheapcarinsurancex.org/cheap-car-insurance/student, green motor insurance www.cheapcarinsurancex.org, pay as you go car insurance under 25 and many more.

Acknowledgement

It's more expensive driving a motor car without having an insurance policy than one with a valid coverage: Your basis of being insured individual is to protect against any liability or litigation that could come up resulting from a loss of revenue or liability caused by collision caused by the policy holder. 

One example is, paying off third party insurance claims that can easily measure to signifigant amounts of pounds, your motor vehicle written off mainly because of crash, legal expenses as well as some other unpredictable liabilities you can incur because of not obtaining an insurance policy.

In contrast, protecting your motor car only provides you reassurance and faraway from problems. Refrain from driving a motor vehicle that's without insurance.

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Holiday Driving Rise Means Crowded Highways Over Christmas and New Years

If you’re taking a road trip this holiday season, be prepared to meet plenty of fellow travelers on the highway.   AAA is estimating a record 93.3 million American drivers will be hitting the road for the holidays.  That’s an increase of 1.6% over last year and just 400,000 people less than the biggest holiday travel year in 2006. 

The high price of plane travel is blamed for the increase in driving this holiday season.  The highest travel days will occur between December 22 and January 1, when 84.4 million Americans will take to the road.  That means that roughly one-quarter of all Americans will be driving at least 50 miles during that time, making for crowded highways, rest stops, toll booths and off-ramp gas stations.

U.S. gas prices are at an average of $3.23 per gallon, which is roughly what drivers paid during last year’s holiday season.  Although the price is relatively high, the fact that it’s come down over the last few months helps drivers justify driving long distances, versus going by plane.  Prices are expected to range from $3.20 to $3.40 a gallon between Christmas and New Years.

AAA president and CEO Robert Darbelnet says, “The year-end holiday season remains the least volatile of all travel holidays as Americans will not let economic conditions or high gas prices dictate if they go home for the holidays or kick off the New Year with a vacation.”

The rise in Christmas and New Year’s driving follows an upsurge in road travel during Labor Day, when roads saw a 2.9% rise over last year.  The Memorial Day and Labor Day holidays also saw driving increases of 1.2% and 4.9%, respectively.  

AAA’s travel survey was performed by IHS Global Insight and is based on interviews with 655 people about their holiday travel plans.

Approximately 15 million people will avail themselves of the nation’s airlines between Dec. 17 and Jan. 6, a figure that’s up from 2011’s holiday air travel figure. 

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6 reasons why it's dumb to buy a smartphone

Smartphones may be indispensable, but we found six good reasons not to buy one.

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Retirement planning in Paterson, New Jersey

Retirement planning in Paterson, NJ,  is an essential step in securing your future and out site has the tools to help. Money market accounts offer a safe and easy way to invest for your retirement, and we provide the best money market rates in your New Jersey neighborhood. Put your retirement planning in place with the help

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New York top New Year destination for Brits

With the biggest party night of the year fast-approaching, now is the time to decide how we're going to spend New Year.

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Few Tips That Could Save You A Fortune On Your Van Insurance Bill

The use of vans in businesses cannot be over-emphasized, hence, they play a pivotal role in the daily activities of every business.  Irrespective of whatever services or business operations vans are used for, whether moving goods from one location to another or used for carrying building tools and machinery, all vans must be protected by an up to date van insurance policy.

Due to the expensive nature of certain insurance policies, a huge majority of small businesses now underinsure their vans in order to save money on their policies. Below are some few tips and tricks that will help you obtain that elusive cheap van insurance quotes you've been searching for.

If you're looking to renew the current policy or wanting to buy a new one, you can increase your chances of finding a cheaper premium by conducting research that would help you unveil the cheapest and best quote for you or your business.  The net has changed the way we search for data and information on this basis offers ...

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The Best Custom Car Shops in the U.S.

If you’re new to the custom car world or are looking to get your first auto customized or restored, you may not know where to start. There are so many car shops out there that we thought we’d give you a hand. Here are some of the best custom shops in the nation. With such a small list, we’ve obviously missed some, so tell us your favorites in the comments.

1. West Coast Customs:

   A good place to start when dipping your foot into a new world is with some of the most famous examples. West Coast Customs is a well-known shop with franchises across the world, and we bet you’ve heard at least something about it. This shop was the original site for Pimp My Ride on MTV. It’s now featured on Velocity’s Inside West Coast Customs. This Corona, Calif., shop has done jobs for celebrities like will.i.am and Mark Wahlberg.

2. SoCal Speed Shop:

   Founded by hot rod legend Alex Xydias, SoCal Speed Shop continues to produce high-caliber custom autos. Under President Pete C...

   Related content.. Similar articles.. Read more.. Related posts.. Similar posts..

Tax planning in these uncertain times

Uncertainty surrounds taxes these days. Find out how to clarify your financial picture.

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Mortgage rates in Fairbanks, Alaska

 Assure yourself you are finding the lowest mortgage rates in Fairbanks, AK, by visiting our site. We provide the ability to check local mortgage rates in Fairbanks with our easy rates search function. It offers real-time, accurate data on mortgage rates throughout Arkansas and throughout the country.Rates are subject to fluctuation throughout the day and

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Learners to be allowed on motorway

It has been announced that, from 2012, learner drivers will be allowed on motorways. This is of course with the provision that motorway driving is undertaken as part of a driving lesson with a fully qualified instructor.

The reasons behind this change in legislation come as part of an initiative aiming to improve road safety and thus cut the number of accidents involving young/new drivers.

Road safety minister, Mike Penning suggested that perhaps current driving tuition merely teaches drivers to pass a test, rather than prepare them for real-life driving situations. However, motorway driving will not become a compulsory requirement when it comes to getting your full driving licence as far too many people live too far away from a motorway for it to be incorporated in their tuition.

The Driving Standards Agency has also announced that as of January 2012, changes will be made to the theory test. The test will be instead be made up of multiple-choice questions which are not published in learning materials- this is in a bid to stop candidates from simply memorising theory test questions and answers and regurgitating them during the test.

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Government announce energy bill

The Government have announced proposals that will aim to save homeowners money on their energy bills.

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Motorists put themselves at risk during winter

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What supermarkets don’t want you to know

Discover the tricks supermarkets use to encourage you to spend more on your weekly shop.

Do you always seem to come away from the supermarket with a couple of items that weren’t on your shopping list or having spent more than you had intended when you walked into the store?

This probably isn’t an accident and, in fact, you may be doing exactly what the retailer expects of its customers.

With this in mind, we reveal five of the most common supermarket tricks.

Changing layouts

As well as being inconvenient for regular customers, changing the layout of a store is a ploy to encourage shoppers to spend more time searching for their items and probably spending more money.

While you’re traipsing through the aisles looking for a carton of semi-skimmed, you might be tempted to pick up a six-pack of your favourite lager.

Dynamic pricing

You might logically assume that supermarket chains have one price for every item that is applied across all of its stores. Unfortunately not…

Most supermarkets follow a practice known as ‘dynamic pricing’ in which they set prices according to regional trends. This means you’ll probably pay a higher price for your groceries if you live in a wealthy area than you would in other parts of the country.

The eyeline trick

Retailers often place their more expensive, branded items at customers’ eye level, while placing less costly alternatives on top and bottom shelves.

In order to boost their profits, supermarkets spend millions of pounds analysing shoppers’ behaviour and psychology. Based on this research, they know we’re much more likely to opt for items right in front of us than scour the shelves for a cheaper deal.

Dodgy price drops

Imagine you’re in a supermarket and see that an item that had been £6 has been reduced to £4.99. Clearly this is a bargain, right? Not necessarily.

Supermarkets often temporarily inflate the price of goods before putting them on ‘sale’. This way, they can advertise the new price against the previous, inflated price to give the appearance of an attractive saving.

This practice is perfectly legal. As long as the supermarket has charged the higher price for at least 28 days prior to the sale, retailers can market this as a price cut.

Does size matter?

Supermarkets are fond of telling us we’ll get better value if we buy our food in larger portions. You might therefore assume that a 1kg tub of butter will offer better value overall than a 500-gram tub.

However, it may work out cheaper to buy two smaller packs. In order to form an accurate comparison and find the most competitive deal, it’s worth comparing the price per 100 grams.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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FOREX-Yen dips as premier-elect Abe heaps pressure on BOJ

The yen dipped and neared a20-month low versus the dollar on Monday after incoming premierShinzo Abe renewed pressure on the Bank of Japan to adopt a 2percent inflation target. The yen, which rose on Friday ...

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Auto loan rates in El Paso, Texas

Looking for car loan rates in Texas? It's a good time to be financing. Auto loan rates hit record lows in our most recent rates survey. The average 48-month new-car loan rate dropped down to 4.09 percent. Use our research to find even lower auto loan rates in El Paso, TX.
Make sure to correct errors

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Issues chasing country to edge of 'fiscal cliff'

Expiring tax breaks and spending cuts may create an avalanche of revenue, but look out!

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Public reject plans for new toll roads

Research by car website motors.co.uk has revealed that the public have rejected the Government’s plans of increasing the amount of toll roads in the UK.

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Busy week in health care reform

Feds hold firm on Medicaid expansion offer to states and add three-year pre-existing condition fee to most health plans.

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CD rates in Paterson, New Jersey

Are you looking for a certificate of deposit in New Jersey? Make sure to shop around thoroughly. Rates are low throughout the nation, but there are several institutions offering better-than-average deals. Use our research to find the best CD rates in Paterson, NJ.
CDs are insured up to $250,000 per depositor, making them safe. Just keep

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Historic bell stolen from arts site

Thieves have stolen an historic bell from an arts centre in Ireland.

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Government announce energy bill

The Government have announced proposals that will aim to save homeowners money on their energy bills.

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CD rates in Cedar Rapids, Iowa

Rates are low across the country. That's because the Fed has promised to keep a hold on rates in order to give the economy a boost. But there are still some better-than-average rates out there. Use our research to find the best CD rates in Cedar Rapids, IA.
Traditional CDs are insured up to $250,000 per

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Holiday DUI could cost HOW much?

Having one for the road this holiday season could leave you with a monstrous financial hangover.

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Auto loan rates in El Paso, Texas

Looking for car loan rates in Texas? It's a good time to be financing. Auto loan rates hit record lows in our most recent rates survey. The average 48-month new-car loan rate dropped down to 4.09 percent. Use our research to find even lower auto loan rates in El Paso, TX.
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Money market account and rates in Tampa, Florida

It's no secret that rates are low. The Fed is keeping a hold on rates until mid-2015 in order to give the economy a bump. But there are several institutions offering better-than-average rates. Use our research to find a money market account and rates in Tampa, FL, and in other areas of Florida.
MMAs are insured

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Saving Money On Your Temporary Van Insurance Premium

The utilization of long term cheap van insurance policy is really so popular amongst everyone using their van on a long term basis. On the other hand, not every individual is aware of how abundant they can save for their premiums when they basically utilize their van on limited time period basis primarily. 

You could need a short term van insurance coverage that ranges from 1 day van insurance coverage to 28 days van insurance policy if your van usage is meant for short term use only. Another fantastic way to save on your premiums is the choice to choose whether or not you need a business cover or just a personal cover. So, why spend money for a protection plan that covers you all year when you only need coverage for a short while? 

You can certainly save a huge amount of money once you go along with personal van insurance for forty eight hours Get up to 36 quotes here- http://www.cheapestvaninsurance.org/

Specifically Tailored For Businesses in Need of Short Term Van Insurance Cover 

Business owners often look for van insurance coverage without actually knowing how much money they could save on short term van insurance coverage when they use their van on very short periods. Keeping a van insured all year round can be expensive especially when you do not use it all the time, but when you choose a temporary van insurance, you're guaranteed to save money instead of paying for a policy that you do not need. 

Suitable for Short Breaks and Vacations with Family Members 

You'll discover that having private van insurance is an ideal solution for your short term use of your van on vacations and holidays with your loved ones and close friends as well. While you may never use your van on a day to day basis, if you are going on a vacation, you may want to take a van since it has more room in it. However, if this scenario is true then there is no doubt you will not be needing an insurance policy of some sort. So a short term van insurance cover would be ideal for you. 
Try not to go on your vacation without adequate van insurance cover that will protect you while you're gone. 


Quick and Easily Obtainable 

You'll also come across that private van insurance for 48 hours is simple and fast to have. Within a few minutes you can easily receive the policy you need online or on the web, In concluding, if you have a van you seldom make use of throughout the year, then you will need to buy a short-term van insurance policy that should cover you for the period. You can also obtain one day van insurance up to 28 days van insurance cover here- http://www.cheapestvaninsurance.org/one-day-van-insurance.html

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Hot Car Deals – Toyota Prius

Which? Car deals: The Prius+ is Toyota's new seven-seat version of the Prius hybrid and aims to offer MPV practicality with eco credentials - a world first.

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The £48,940 cost of your holidays

Believe it or not, the average Brit takes 54 holidays during their lifetime and spends almost £50,000 in the process. Here's how you can cut costs.

As the age of austerity shows little sign of abating, many of us may be forced to sacrifice our annual two weeks in the sun to make ends meet.

Despite the current financial squeeze, however, research from Sunshine.co.uk has found that the typical person takes 54 holidays during their lifetime – costing a whopping £48,940.

Where exactly does this money go?

Flights and accommodation

When it comes to holidays, there’s no denying that flights and accommodation are among the biggest expenses. According to Sunshine.co.uk’s data, the average person spends £450 on flights and accommodation per holiday.

However, there are ways to cut back on your spending. For example, you could consider flying during the week, rather than on a Saturday or Sunday ­– the weekend is normally the most expensive time to travel.

You could also get a better deal if you fly at an unsociable time when fewer people are willing to travel – as long as you’re willing to get to the airport at three a.m that is.

You could potentially save hundreds of pounds on your hotel bill if you opt for a less popular holiday destination.

Spending money

During a typical holiday, the average Brit will fork out as much as £300 on spending money alone.

The trick is to ensure you don’t spend more than you had budgeted for. Putting all your spending on a prepaid card could help you stick within your spending limit.

With one of these products, you load a certain amount onto the card before leaving the UK, which could be useful for those who struggle with self discipline on vacation. If you do run low on cash, you can always top up the card.

Travel insurance

Buying travel insurance is a wise move before any trip and this type of cover could pay out if your luggage is lost or you need to stay in the hospital.

With the data revealing that the average person spends £16.30 on insurance per trip, many of us are already receiving a pretty competitive deal.

However, you could potentially find cheaper premiums by comparing a range of offers before buying your policy. Likewise, frequent travellers may also save by opting for annual multi-trip insurance, rather than paying for each trip separately.

What you might not have budgeted for…

Of course, the cost of your holiday isn’t confined to the obvious big-ticket items and holidaymakers would be wise to factor in other miscellaneous costs too.

According to the research, we each spend a massive £100 per holiday on clothes and accessories. Likewise, the cost of a transfer between the airport and the hotel is typically £20 per person.

Finally, one of the most hated holiday rip offs is still costing us money as Brits are paying £20 per person for airport parking. Although this might not sound too extortionate, it would total £80 for a family of four.

What else can you get for £48,940?

Now just imagine that you had never been on holiday in your life. How else could you have invested your cash? According to Sunshine.co.uk, this money could also get you:

A holiday home in Spain

A luxury all inclusive round the world cruise

A second hand helicopter

4,078 bottles of Nivea sun cream

A private island in South America

48,900 items from the pound shop (with change)

For more articles like this, check out Five of the craftiest holiday cons and Holiday rip-offs revealed.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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Turks and Caicos Islands win 'best beach' award

If you've had a long and stressful few months at work, then there's often nothing more relaxing than investing in some holiday insurance and jetting off to an exotic destination for a couple of weeks lazing on the beach.

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Few Tips That Could Save You A Fortune On Your Van Insurance Bill

The use of vans in businesses cannot be over-emphasized, hence, they play a pivotal role in the daily activities of every business.  Irrespective of whatever services or business operations vans are used for, whether moving goods from one location to another or used for carrying building tools and machinery, all vans must be protected by an up to date van insurance policy.

Due to the expensive nature of certain insurance policies, a huge majority of small businesses now underinsure their vans in order to save money on their policies. Below are some few tips and tricks that will help you obtain that elusive cheap van insurance quotes you've been searching for.

If you're looking to renew the current policy or wanting to buy a new one, you can increase your chances of finding a cheaper premium by conducting research that would help you unveil the cheapest and best quote for you or your business.  The net has changed the way we search for data and information on this basis offers ...

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Penguin Reaches Ebook Price-Fixing Settlement

Penguin has reached a settlement with the US Justice Department after it accused America's largest book publishers of colluding with Apple to raise the price of ebooks.The US government claims Apple conspired ...

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4 ways to pay off your mortgage earlier

Dream of owning your house free and clear? Here's how.

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Social Security extends CAL

Social Security announced this week that it has added 35 more conditions to the compassionate allowances list, or CAL.

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IEEE Predict That 75% of Cars Will Be Autonomous By 2040

While flying cars and homes built high into the sky still seem to be out of reach for the foreseeable future, one group of experts believes that we'll see sweeping changes in the way we travel by car in the coming years. The Institute of Electrical and Electronics Engineers have made the bold prediction that 75% of the world's vehicles will be autonomous by 2040.

The group, which contains the world's largest professional organization dedicated to advancing technology for humanity, are putting their faith in the autonomous vehicle as the most promising form of intelligent transportation of the future. While it may seem like a bold prediction, one of the group's senior members, Dr. Alberto Broggi (a professor of computer engineering at the University of Parma in Italy) is already an expert on the subject. Broggi was the director of a 2010 project that enabled two driverless cars to successfully complete an 8,000-mile road trip from Parma to Shanghai, China.

When it comes to transportation, one of the more obvious hurdles that must be overcome is the need to establish and build infrastructure, which the group believes already gives autonomous cars an advantage compared to other forms of transportation. Broggi believes that autonomous cars of tomorrow could simply travel on existing roadways (with modified traffic control systems in place), sparking dramatic changes to intersections, traffic flows, and highways, which will all but end the need for drivers' licenses.

Broggi and his colleagues anticipate that driverless cars will operate by using sensors equipped in each vehicle that will allow vehicle-to-vehicle and vehicle-to-infrastructure communication, which will mean the end for traffic lights and stop signs. Broggi believes that intersections equipped with sensors, cameras, and radar systems will monitor and control traffic flow, helping to promote more efficient traffic patterns, and help eliminate driver collisions.

Dr. Azim Eskandarian, the director of the Center for Intelligent Systems Research and IEEE member, believes that new traffic flow systems combined with more autonomous vehicles on the road will revolutionize highway travel as well. He believes that future highways will utilize their own designated lanes for autonomous and traditional vehicles, which will help minimize traffic jams, increase efficiency, and allow for faster speeds. This will enable autonomous vehicles to travel more safely than they would in traditional highway traffic, and enable the self-driving vehicles to drive faster with closer gaps between cars while platooning – having a lead car with other autonomous cars in tow. In fact, Broggi said that he believes autonomous cars should be able to safely travel at speeds up to 100 mph.

While potential benefits of using the system could truly be breakthrough, there are a number of obstacles that must be overcome before autonomous cars can become a reality. For the IEEE, the biggest roadblock will be the consumer. So far, drivers have remained hesitant to get behind the widespread adoption of driverless cars, according to the IEEE. However, the advent of new technologies, such as self-parking features, auto-brake, and lane-departure assistance systems, may help change consumers' minds as they trickle down to more affordable vehicles.

The post IEEE Predict That 75% of Cars Will Be Autonomous By 2040 appeared first on Car Insurance Quotes.net.

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US open: Homebuilder confidence back at levels from 2006

-Home builder confidence at 2006 levels-Several M and A transactions in the news-Single currency moving higher

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Retirement planning in Oakland, California

Peer into your future when retirement planning in Oakland, CA, by using our site's tips, tools and calculators. Retirement planning is an essential step in securing your future, and we have the tools to help. Money market accounts offer a safe and easy way to invest for your retirement. Put your retirement planning in place

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3 investing lessons from 2012

Investing stories this year included market volatility, a Facebook flop and the ongoing yield drought. What can investors learn?

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What Criteria To Consider During Auto Insurance Comparison

When getting multiple car insurance quotes, there can be some confusion as to what criteria to consider during auto insurance comparison. It is important to look past the advertising offered by the insurance providers and realize which categories should appeal most to the owner or driver. Thankfully, with today’s technology, more diversity and selection is [...]

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Hot Car Deals – Land Rover Freelander

Which? Car deals: The practical Freelander 2 has been with us since 2006. It's bigger than the original and comes with a powerful 2.2-litre diesel engine.

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Eight top money-saving apps

Buying a smartphone isn’t cheap, but did you know these devices could also save you money?

If you own a smartphone, you probably love the convenience of having the internet and GPS quite literally at your fingertips.

However, these devices can also be fantastic money-saving resources. Here are eight of our favourite financial apps.

1. RedLaser

By using your phone’s camera, you can scan in an item’s barcode and RedLaser will compare prices in local shops and online retailers.

You can also use the app to check stock levels and reserve items you’d like to buy.

Free

Available on iPhone, Windows Phone and Android

2. Nosey Parker

With this app, iPhone users can search for the cheapest and safest parking spaces near their current location.

Nosey Parker could be especially useful for anyone who frequently drives in busy city centres or visits areas they’re not familiar with.

£2.99

Available on iPhone

3. Vouchercloud

By using GPS technology, Vouchercloud pinpoints the vouchers and offers nearest you. Once you have found a deal, the voucher will be delivered to your mobile.

After you have downloaded the voucher, you can either use it immediately or save it for the future.

Free

Available on iPhone, Windows Phone, Android and BlackBerry

4. Wine Search

If you enjoy the occasional glass of vino, you probably know that this particular indulgence can be pretty pricey.

With this app, you can compare prices in various shops and also on restaurant wine lists.

In another interesting feature, you can also see the mark-up that the restaurant charges – which could be pretty infuriating for a frugally minded oenophile.

£1.49

Available on iPhone

5. CashPointer

Not being able to find a cashpoint can be infuriating and being charged to withdraw your own money can be even more annoying.

CashPointer allows you to search for the nearest ATMs in your area and even specify if you’re looking for a machine that doesn’t charge.

Free

Available on iPhone

6. UK Salary Calculator

If you’ve accepted a new job, had a promotion or a rise, this app gives you an overview of your new financial position.

It will break your salary down into an hourly, daily and monthly wage and also takes into account factors such as National Insurance contributions, student loan deductions and pension contributions.

Free

Available on iPhone

7. Onavo

If you would get more benefit from your phone’s data allowance, Onavo’s makers claim this app could extend your usage by up to five times.

The app routes all your internet usage through its own servers, compresses the data and send it back to your phone.

Free

Available on iPhone and Android

8. British Gas meter readings

If your energy bill is based on estimated usage figures, there’s a strong chance you’re either over- or underpaying on your bills.

However, British Gas customers can submit their own, actual readings using the company’s app, which will help ensure their bills are accurate.

Free

Available on iPhone and Android

If you’re with another energy provider, it could be worth checking whether your supplier offers a similar service for smartphones.

Remember, these are just a sample of our favourite money-saving apps and there are countless others out there.

For more articles like this, see Beat bank charges with your phone, Six top money-saving websites and Three ways to make money online.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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What Are Deductibles?

Perhaps you’ve heard people say that one way to reduce your car insurance premiums is to increase your deductibles. But do you know what deductibles are? If not, we’ll explain them here. Needless to say, deductibles are part of the standard auto insurance policy everyone should be familiar with. They play an important role in how much we pay for our policies as well as how much we might potentially have to pay after an accident.

In the simplest terms possible, a deductible is the amount of money the customer is required to contribute in order to pay for repairs to a damaged vehicle. Deductibles apply in the case of collision and comprehensive insurance. So if you have a $500 deductible on your auto policy and you file a $5,000 claim after an accident, your insurance company will only pay $4,500. You will be responsible for the other $500.

It’s important to note that deductibles work on a “first pay” system. In other words, the customer pays the first $500 (or whatever the deductible is) and the insurance company picks up the rest. In some cases a repair shop may require customers to pay their portion before a vehicle will be released; others allow some time for the customer to pay his bill.

Why Deductibles Are Good

Deductibles can be looked at as a good thing for a couple of reasons. The first is the fact that they encourage consumers to shop around for repair estimates before choosing a garage; much the same way they shopped around for car insurance quotes before purchasing a policy.

They aren’t shopping around for the best price, mind you; they’re shopping around for the best quality. As long as it’s going to cost them $500 out of pocket they want a garage that will do the repair the right way. Even though it might cost more the insurance company a little bit more, there’s less of a risk that the consumer will come back with another claim because the first repair wasn’t done correctly.

Deductibles are also good in the sense that they encourage drivers to be more careful behind the wheel. With a significant deductible hanging over their heads they are more likely to drive safely and avoid accidents. That’s good for the individual driver, his car insurance company, and for everyone else on the road.

Why Deductibles Are Bad

Deductibles can be looked at as a bad thing from the perspective of insurance fraud. Unfortunately, garage owners and operators have figured out they can make customers happy by inflating repair estimates to cover their deductibles. In cases where an insurance company makes payments to the customer rather than the repair shop, this type of fraud is very easy to perpetrate. In cases where the insurance company pays the repair shop, it requires a little bit more cooperation between the shop and the customer.

It must be said that the vast majority of repair shops are going to be honest when it comes to estimates and deductibles. But the consumer needs to be aware of the possibility of fraud and make sure he’s not a participant or contributor. Insurance fraud accounts for millions of dollars in car insurance company payouts every year. Drivers who participate are only raising the rates for everyone.

Now that you know a little bit about deductibles you are better prepared to compare car insurance quotes. You can get lower rates if you’re willing to accept higher deductibles in exchange. On the other hand, you might be willing to pay a little more to avoid them.

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Retirement planning in Savannah, Georgia

Create a peachy outlook when retirement planning in Savannah, GA, by utilizing the tools, guides and calculators at our site. Build a safe, strong retirement plan with a money market account. A money market account is a reliable vehicle for retirement planning, and we provide the best money market rates in your Georgia neighborhood. The tables are updated throughout the day

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What Criteria To Consider During Auto Insurance Comparison

When getting multiple car insurance quotes, there can be some confusion as to what criteria to consider during auto insurance comparison. It is important to look past the advertising offered by the insurance providers and realize which categories should appeal most to the owner or driver. Thankfully, with today’s technology, more diversity and selection is [...]

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Money market account and rates in Fort Lauderdale, Florida

In order to give the economy a bump, the Fed is keeping a hold on rates. That's causing money market account rates to stay south. The average is currently at 0.11 percent. But there are some institutions offering better deals. Use our research to find a money market account and rates in Fort Lauderdale, FL,

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Firm fined for safety failings

A construction and design company in Berkshire has been fined and ordered to pay costs after a bricklayer broke his pelvis and wrist following a fall.

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Lloyd's plans for Euro collapse

Market prepared to take writedowns if single currency collapses

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Ford sets blistering Nürburgring time with EcoBoost Formula Ford

Fresh off their 2012 International Engine of the Year award for its new 1.0-liter EcoBoost engine, Ford continues to push the development envelope for its newest engine. Yesterday, the company announced that a one-off, road-going Formula Fordrace car, powered by the esteemed EcoBoost mill, set a blistering pace of 7 minutes and 22 seconds at the famed Nürburgring Nordschleife circuit. The time for the purpose-built race car bested even the multi-hundred thousand-dollar exotics, like the Lamborghini Aventador, Ferrari Enzo, and Pagani Zonda, all of which pack 600+ horsepower. No other three- or four-cylinder car has ever posted a faster time at the circuit. The mighty little Ford was able to best the exotics through months of preparation from Ford Engineers who worked to switch the Formula Ford's usual 178 hp, 1.6-liter EcoBoost four-cylinder to the specially prepared 202 hp, 1.0-liter three-cylinder. The project team also had to modify the race-only chassis so that it would be fully street legal for on-road use on the Nordschleife circuit, since the track is technically classified as a toll-road in Germany. To do so, the team fitted the car with wheel covers, front and rear lights and indicators, aerodynamically designed wing mirrors, and a horn. The car was also fitted with a 6-speed manual transmission and was driven on road-legal tires instead of the racing slick tires the car would normally be fitted with when in full racing trim. The team's engineers estimate that the vehicle can reach a top speed of 158 mph, as well as achieve 0-60 mph in less than four seconds. The team also recorded phenomenal fuel economy during in-house testing that showed 118 mpg at 35 mph, and 57 mpg at 75 mph. The tiny, fuel-sipping 1-liter EcoBoost was helped by the Formula Ford's lightweight and aerodynamic chassis. After achieving such phenomenal results in testing and on track, Ford of Europe's Vice President of Marketing and Sales, Roelant de Waard, proclaimed that there was no better way to show the amazing capability of the 1-liter EcoBoost than by beating some of the best supercars in the world on the Nordschleife, while only using a fraction of the fuel. Unfortunately, the 1.0-liter EcoBoost-powered Formula Ford isn't available to buy, and Ford has yet to release information as to when we might see the power plant in U.S.-spec production. But the European Ford Focus equipped with the new engine is already proving to be in a hit in Europe, and approximately 30% of new Focus buyers in Europe have opted for the 1.0-liter EcoBoost variant since it has hit showrooms.

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Head To Head: Legal & General vs Standard Life

In this series, some of your favourite FTSE 100 (UKX) shares go head to head in a three-round contest for superiority.In Round 1, the firms fight on earnings; in Round 2, on dividends; and Round 3 is a ...

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Choosing private medical insurance

How to find the best health insurance policy at the right price

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Don’t Get Caught without Car Insurance

For a lot of people, car insurance is one of those things we purchase grudgingly because the law requires us to do so. If we had our way we wouldn’t bother sinking tens of thousands of dollars, over the course of a lifetime, into a product we may never use. But it’s better to purchase insurance than be caught without it.

These days’ state laws take driving without insurance very seriously. And with good reason. As the cost of health care and consumer prices continue to rise, the potential financial loss represented by even a minor car crash are higher than they’ve ever been. The damage caused by a serious accident could push someone to the brink of financial ruin.

Whether we agree with insurance laws or not, make no mistake that every state requires drivers to make good on any damage they cause or injuries they inflict through car accidents. In legal terms this is called “financial responsibility.” With the exception of Idaho, every state requires drivers to prove financial responsibility before they are legally allowed to register and drive a car.

Immediate Consequences

If you’re pulled over by a police officer or involved in an accident, having no insurance coverage will usually result in immediate consequences. At the very least you’ll be given a citation and forced to pay a small fine. But most states are not that easy. Most will impose severe penalties such as:

• severe fines in the hundreds of dollars
• suspension of a driver’s license and registration
• vehicle impound
• potential jail time

Each state is obviously different in the penalties they impose and the means by which they do so. But make no mistake about the fact that driving without insurance is not taken lightly. If you’re caught, you will pay.

Future Consequences

In addition to the immediate consequences of having no insurance, there are some future, long term consequences as well. First off is the fact that an insurance violation will most certainly result in higher rates on future policies you purchase within the next couple of years.

Second, insurance companies do have the right to reject you for a policy if you have a no insurance citation on your record. You may try to get a policy through half a dozen companies only to be rejected by all of them. In such a case you would be left to purchase your car insurance from a company specializing in high risk; this means higher rates.

Third, repeat offenses can land you in jail in many states. Once that’s on your record it will forever affect lots of things including job prospects, housing options, and so on.

While it’s true many Americans have a hard time finding cheap car insurance they can afford, being caught without it is even more unaffordable. Think long and hard before getting behind the wheel of an uninsured vehicle. It’s not worth the potential fines, suspensions, and jail time just to get where you’re going.

 

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Tate & Lyle reduces pension risk

Sweeteners and food products giant Tate & Lyle has agreed to a 347m-pound partial pensioner buy-in which covers nearly half of its total pensioner liabilities.

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Why Leather Seats Are Better Than Cloth

It’s an age-old argument: Leather vs. cloth. Car enthusiasts and everyday drivers alike have been discussing the advantages and disadvantages of leather and cloth interior for many years, but, no matter what, it always comes down to personal preference. People are quick to shoot down the idea of leather interior because it’s more expensive, but they’re also forgetting the aesthetic, maintenance, and resale perks of choosing leather. If you’re in the market for a new car but are on the fence about whether you should get leather or cloth interior, then check out these pro-leather points to help make your decision a little clearer.

1. More durable:

   Leather is much more durable than cloth. After all, it’s cowhide you’re sitting on! Normal wear and tear can cause rips and holes in cloth seats, but leather can withstand more of a beating when properly maintained. If you keep up with proper cleaning and conditioning, your luxurious leather car seats can add...

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