Sunday 29 July 2012

Air Powered Cars: Just a Lot of Hot Air?

If you’ve ever been to an auto repair shop, you’ve heard the whine and pop of pneumatic wrenches powered by compressed air.  Now that same technology is being harnessed to propel car engines.

The push toward lowering our reliance on petroleum and reducing our carbon footprint has brought us innovations such as hybrid vehicles and plant-based fuels like ethanol and biodiesel.  But few of us would have ever dreamt that something as all-pervasive as the air we breathe could be harnessed to power our vehicles.

Researchers have to dream big to stay on ahead of the pack on the racecourse of innovation. They’ll tell you that anything and everything is up for grabs when it comes to finding new ways to reduce our dependence on oil and lowering auto emissions.  To that end, air powered cars have become a reality.

Compressed air was first used a century ago to power mining cars, but until now it hasn’t been seriously considered as an alternative fuel source for modern vehicles.  H...

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The Correct Approach For Getting The Cheapest Van Insurance Packages Online

Frequently cheap van insurance policies often provides a selection of possibilities to choose from as prices may also differ according to whether or not the function of the van is either for household or enterprise utilization.

1. Staying lawful on the road additionally indicates getting the right van insurance policy, most essentially for consumers shopping for the cheapest van insurance policy that will would match their demands. Usually, all vans will require fire as well as theft coverage as well as public liability policy. Nevertheless business vans in addition need 3rd party coverage along with other coverage which cover the van but do not stipulate individual driver. Even so, specific staff might be appointed for eligibility of reduced cost.- http://www.cheapestvaninsurance.org/

2. Comprehensive insurance coverage normally include optional extras that could include things like fixtures as well as audio system or legal prices as well as breakdown insurance and you can obtain reduce amounts of protection to save cash on these kinds of options. There are other methods to save money on comprehensive protection; for individuals that drive fewer millage, discounts for mileage can help decrease your cost noticeably as well as possessing high experience levels in addition.

3. Numerous individuals consider raising their voluntary excess amounts simply because they can reduce their monthly premium through forking out a lot more on the 1st portion of the claim, if the car crash is not evaluated a ‘non-fault’ incident. Non claimants who have security alarms and also immobilisers added within their vehicle or use very protected garages to store their vans overnight are actually usually rewarded with enormous savings by insurance companies.

4. You’ll often recognize that the criteria needed by insurers change from one insurance provider to another. Usually the size and the engine capacity of a vehicle may influence a person’s van insurance premium with some insurance companies while others may also cut down a policy premium for simply just sticking a label on your bumper showing phone number other road users may call up to report an unsafe driving.

5. One additional technique of minimizing one’s premium is through seizing opportunities for savings, increasing the amount of your van insurance excess in addition to switching out of monthly premiums to annual settlement- this should stop you from having to pay the interest on the full premium.

6. Optional protection for legal cover, accidental damages to third party possessions, breakdowns and many more are add-on that insurance providers can simply include in a policy. Nevertheless checking and comparing prices with other insurance providers might allow you detect whether to add them to your policy. Since you’re obligated to settle the overall amount of your van insurance protection, you may also be in a position to change certain features that come with your protection plan so as to reduce your quote.

7. Always bear in mind that cheap van insurance premiums can vary significantly from one insurer to another due to the cost of the van making up the premium and the various risks being exposed to the insurer on a daily basis when you use your van. Transporting hazardous items will no doubt shoot up your van insurance premiums in addition to carrying of products deemed as expensive, as these pose a greater risk to the insurers .Getting many different independent quotes for cheap van insurance can often be a time and money saver when looking for that elusive cheapest van insurance policy.

A number of van insurance comparability web-sites can be found at present that will provide you with many different extras and options to pick from. Add-on like break down policies, personal accident injury insurance protection are usually a few of the alternatives you may select from all at very inexpensive quotes .

Ultimately, it always pays to be tolerant when searching for a cheap van insurance quote. Find as many quotes as you can doable then you’ll be in a better position to establish what policy is the best for you together with best value for money. Nevertheless though, a lot of van insurance you can choose from, which range from one day van insurance, short term van insurance commercial van insurance and much more. Acquiring enormous reductions from all of these insurance policies also requires similar technique as well as persistence.

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Don' t be dogged by fund failures

Many household name funds have been identified as consistently underperforming 'dogs' by investment platform Bestinvest.

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Saturday 28 July 2012

Money market account and rates in Elmira, New York

Money market accounts are a safe investment. They get insured up to $250,000 per depositor per bank. But with yields at lows, it's getting hard to keep savings in one of these accounts and still beat out inflation. Fortunately, there are still some institutions offering better-than-average rates. But you'll have to do some shopping in

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The Confusing SR 22

Compulsory insurance is one of those areas within motor vehicle law that tends to be confusing. We all need something, even if it’s just cheap car insurance covering only liability, but throw in the question of the SR 22 filing it can be downright baffling. Laws about SR 22 documents, when they need to be filed, and who is required to file them, are different from one state to the next. If you have questions about the SR 22 your best bet is to contact your state department motor vehicles or a lawyer experienced in traffic law.

As a general rule, the SR 22 is a legal instrument demonstrating to your state that you have some way of meeting your financial responsibilities in the event you cause an accident. Most states call this proof of financial responsibility. The SR 22 is filed by a car insurance company in some states, the individual driver in other states, or either one in still others. Some of the reasons you might be required to file an SR 22 include:

  • multiple speeding violations, accidents, or DUI/DWI convictions
  • car insurance lapses due to nonpayment of premiums
  • license or registration suspensions
  • inability to pay liability claims after accident

SR 22 from State to State

Just to show you how confusing SR 22 requirements can be we’ll use Iowa as an example. Iowa is unique in that it’s the only state with no mandatory insurance requirement. Iowa residents can purchase a car and drive it on the public roadways with only a valid registration and inspection. However, should a driver be involved in an accident must be able to prove to a court he have the financial means to meet any obligations that might result from his part in the crash.

Most Iowa drivers don’t take their chances. They purchase a liability policy and show their ID cards as proof of financial responsibility. Some other drivers will post a bond if they fell that is a better option.

Either way, if a driver is unable to furnish that proof he will be immediately required to obtain a liability insurance policy if he wishes to continue to drive. He’ll also have to file an SR 22 as proof that he has a valid insurance policy and that he has the financial resources to keep it in force throughout its entire term. The insurance company files the form for the driver when they are satisfied he can adequately meet his premium payments.

In the meantime, even if a driver is able to prove financial responsibility after an accident but his license or registration is suspended because of some violation relating to the crash, he may still have to file the SR 22 upon reinstatement of the license or registration suspension. If he has no insurance policy he’ll have to get one in order to satisfy the SR 22 requirement.

Confused? Just to add a little more, there are eight states that don’t have any SR 22 laws. Cheap car insurance is the proof of financial responsibility.

Length of Time

How long an SR 22 requirement remains in force depends on the individual state; a typical term would be 1 to 3 years. If you are currently driving under an SR 22 and move to a different state, you’ll need to contact both your old and new states to find out if you’re required to continue with the SR 22 until the end of its term. In some states you’ll be able to drop it; in others you’ll either continue or have a new one filed in the new state.

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Money market account and rates in Hanover, New Hampshire

In the past, it wasn't too hard to find a money market account with a decent yield. Currently, rates are low. The average is at a dismal 0.12 percent. But there are still some better than average rates out there. In order to find a decent money market account and rates in Hanover, NH, and

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Friday 27 July 2012

Monteray to Receive 135 Vans from Carillion Fleet Management

Monteray Ltd. is receiving 135 Peugeot vans from Carillion Fleet Management, the vans make up a portion of a 700 strong fleet and will be replacing vans currently in the fleet as the vehicles reach the end of their usefulness.
Van insurance comparison site from The Van Insurer
Monteray Ltd. is a national joint venture company that was established to supply facilities management to BT’s 8500 sites throughout the United Kingdom. The Monteray management contract includes overseeing security, office moves plus heating and maintenance agreements.
The 135 Peugeot vans include Peugeot’s Boxer, Partner, and Expert models, the vans will be used in diverse BT facilities across the nation.
Rob Gaskill, Monteray’s Fleet Manager commented that Monteray chose to use the Peugeot because Peugeot offered a very modern range of vehicles of all sizes, ranging from vans derived from cars to 3.5 tonne vehicles.
The 135 Peugeot vans will be under a four-year Carillion full maintenance contract hire plan that will cover servicing expenses and a yearly mileage that ranges 15 to 20,000 miles. Ever since their start-up. Carillion’s goal has been to provide efficiency in all aspects of fleet management for their clients. Carillion at the present time oversees a fleet that numbers over 5,700 cars and 6,000 commercial vehicles, which include LCV’s and HGV’s. Through the consolidation of resources and making the most of technology, Carillion has been able to continue providing valuable solutions at a low price to their customers.
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5 tips to see the Continent and spend fewer euros

A European vacation is rarely cheap. These hints will help you keep travel costs down.

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7 Great Road Trip Movies to Kick Off Your Summer

It's summertime, the livin' is easy, and you're preparing to go on a road trip. Your playlist is ready, you know your route, and you've got a full tank of gas. But before you drive off into the sunset, spend a day immersed in the cinematic poetry of the American road trip. Let your passengers do the packing; you should sit back, relax, and draw some off-road inspiration from these seven great road trip movies to kick off your summer.
  1. Easy Rider

    "I mean, it's real hard to be free when you are bought and sold in the marketplace."
    It's No. 1 with a bullet. Definitely the best road trip movie out there, and one of the best films ever, Easy Rider encapsulates the freedom and philosophy of the nomadic American hippie. Proving to us that long-haired hippie freaks can be patriots (while also finding free love and cheap drugs), Easy Rider is an easy pick — for road trips, summer or otherwise.
    Honorable Mention: Steve McQueen in The Reivers

  2. Thelma and Louise

    "You shoot off a guy's head with his pants down, believe me, Texas ain't the place you want to get caught."
    Hillbilly tries to rape woman. Best friend kills rapist hillbilly. Women go on the run in a convertible '66 Thunderbird. Instant classic. Directed by Ridley Scott. What more could you possibly need?
    Honorable Mention: National Lampoon's Vacation and a documentary about truckers called Big Rig. Watch the full documentary here.

  3. Motorcycle Diaries

    "What do we leave behind when we cross each frontier? Each moment seems split in two; melancholy for what was left behind and the excitement of entering a new land."
    Here's another one for all you motoring hippies. An improvisational trip spanning an entire continent. 5,000 miles in four months. You'll see the beautiful South American countryside through the eyes of one of the 20th century's most controversial figures. Bonus for the Lazy Socialist: If you hate reading, but you want to know what Che kept in his diary as a 20-something, this is the movie for you.

  4. Smokey and the Bandit

    "Go, girl, go!"
    "I'm goin', I'm goin! I got the metal to the petal and the thing to the floor!"
    Moonshine, Burt Reynolds' mustache, and a lot of '70s kitsch. What could be better to prepare you for a road trip? If Bandit, Cledus, and their journey across the American South can't get you in the mood to motor, nothing will. Chock full of classic quotes and scenes, Smokey and the Bandit is both a road trip and an often-referenced cinematic gem.
    Honorable Mention: The oft-debated Vanishing Point, plus the 1978 film Convoy, which you can watch in its entirety here.

  5. Planes, Trains, and Automobiles

    "Train don't run out of Wichita … unlessin' you're a hog or a cattle."
    Best for those with a hellish road trip ahead or for those with holiday travel horror stories of their own. The John Hughes' 1987 road trip comedy classic starring Steve Martin and John Candy was an instant hit, and hopefully serves as a slapstick reminder of both cruel fate and the importance of great care in choosing a travel companion.
    Honorable Mention: Sideways and Dumb and Dumber

  6. TransAmerica

    "You don't have to say 'like.' 'Probably disemboweled by a ninja' is sufficient. And please don't put your feet up on the dashboard.
    It's a beautiful movie about discovery — those we have in life and behind the wheel. A pre-operative male-to-female takes both a personal journey and one across America. Bree (brilliantly portrayed by Felicity Huffman) takes a road trip with her estranged son, who she's just bailed out of jail. Their car and money get stolen by a peyote shaman hitchhiker, and the road trip takes an unexpected turn.

    Honorable Mention: Little Miss Sunshine and The Adventures of Priscilla, Queen of the Desert

  7. Beavis and Butthead Do America

    "Beavis and Butt-head, on behalf of your fellow Americans I extend my deepest thanks. You exemplify a fine new crop of young Americans who will grow into the leaders of this great country."
    "Huh huh huh huh. He said, 'extend.'"
    They're looking for their stolen TV, but it's really just an excuse to see the vulgar teens quip across the country, from sea to shining sea. With a soundtrack that reeks of 1996's zeitgeist, the movie was an instant classic for the MTV generation. Where else can you see Cornholio's take on the White House tour?
    Honorable Mention: Road Trip and Borat: Cultural Learning of America for Make Benefit Glorious Nation of Kazakhstan

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Thursday 26 July 2012

Planned fuel duty for August postponed by Government

Chancellor George Osborne announced yesterday that the planned 3p rise for fuel duty that was due to be applied in August has been postponed.

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Tullow Oil PLC - Holding(s) in Company

TR-1 (i ) : NOTIFICATION OF MAJOR INTERESTS IN SHARES 1. Identity of the issuer or the underlying issuer of existing shares to which voting rights are attached : TULLOW OIL PLC 2. Reason for the notification ...

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SAGA RUBY RETIRES IN 40TH ANNIVERSARY GLORY

Saga Cruises has today announced that Saga Ruby, the last cruise ship built in the UK, will be retired from the Saga fleet at the beginning of 2014.

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Wednesday 25 July 2012

Money market account and rates in Hanover, New Hampshire

In the past, it wasn't too hard to find a money market account with a decent yield. Currently, rates are low. The average is at a dismal 0.12 percent. But there are still some better than average rates out there. In order to find a decent money market account and rates in Hanover, NH, and

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Put in a safe room as armor against disaster

Here's advice on making sure your family survives a storm, even if most of your home does not.

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Tuesday newspaper round-up: Dividends, Northern Rock, Solar panels

Investors enjoyed an 18 per cent leap in dividends paid by UK-quoted companies during the second three months of 2012. The amount paid was 22.6bn pounds - a second quarter record and taking the total for ...

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Tuesday 24 July 2012

HSBC unveils lowest-ever fixed rate mortgage

The banking giant is giving customers the chance to fix their mortgage at 2.99% until 2017. Is there a catch?

Let’s start by saying HSBC’s deal is undeniably attractive – allowing homeowners to pay below three per cent on their mortgage for the next five years. In fact, it is the lowest home loan of its type ever offered by any lender.

However, the deal does carry a few possible downsides. First off, HSBC requires a deposit of 40%, which means many potential borrowers won’t qualify.

What’s more, those who are accepted will pay a pretty substantial booking fee of £1,499.

In addition to the market-leading five-year deal, HSBC has launched a seven-year mortgage with a rate of 3.99% and fee of £1,499.

Peter Dockar, Head of Mortgages at HSBC, said ‘Every borrower has different needs from their mortgage. We recognise that many are looking for certainty with their mortgage payments over the longer term and have launched these products to meet that demand.’

Other long-term fixes

If HSBC’s deal doesn’t appeal to you, there are a number of attractive alternatives available.

In the five-year fix market, Yorkshire Building Society charges 3.79% to borrowers with a 35% deposit. Although this deal is fee-free for new customers, existing customers face a charge of £499.

Those who would prefer the security of an even longer fixed rate mortgage could consider a 10-year deal with Leeds Building Society. The lender offers a rate of 4.58% to those with a 25% deposit for a booking fee of £199.

What about a tracker?

With the Base Rate held at 0.5% since March 2009 and experts predicting a rise is unlikely to come any time soon, many borrowers might be considering taking out a tracker mortgage.

The Post Office has a two-year tracker with an initial rate of 2.89% (2.39% above Base) and a £995 arrangement – available to those with a 25% deposit.

With HSBC’s lifetime tracker, borrowers with a 40% deposit can pay an initial rate of 2.64% (2.16% above Base) for the entire term of the loan.

Although HSBC doesn’t charge any early repayment charges, there is a booking fee of £999.

**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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Motorists choose to reduce their car use to save on fuel

Research Published by British Car Auction (BCA) has revealed that a number of people have reduced their car use over the last 12 months.

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Money market account and rates in Savannah, Georgia

In our latest rates survey, the average money market account rate remained unchanged. It's been at 0.12 percent for the last three straight weeks. There are some institutions offering higher yields, but you'll need to do some shopping around in order to find them. Use our rates survey to find a money market account and

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Monday 23 July 2012

OFT given power to suspend credit licences

Which? has welcomed the government's plan to give the Office of Fair Trading (OFT) power to suspend consumer credit licences with immediate effect.

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Week ahead: Hammerson, ARM, AstraZeneca

Next week looks like a busy week for corporate trading statements and results, as blue chips begin to update the market on their performance at the interim stage, including FTSE 100 peers Hammerson, ARM ...

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How to make your car last longer

Auto mechanics provide advice to drivers on how to make your car last longer in a new survey.

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Sunday 22 July 2012

Out-of-control debt? Rein it in to fix credit

Get your financial life on track by knowing why you are racking up so much debt.

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CD rates in Edisto, South Carolina

There's some bad news and some goods for savers this week. The bad news is that the average one-year CD yield dropped to 0.31 percent in our latest rates survey. And the good news is that there are still some institutions offering higher rates. In order to find the best CD rates in Edisto, SC,

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SHIFT TO LATER PARENTHOOD LEADS TO LATER LIFE DEBTS

• A fifth of over 50s had their last child between 35-40
• One in twenty of today’s over 50s have children from second marriage
• Those with later life children have considerably higher debt

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Saturday 21 July 2012

Bricklayer breaks back in fall

A Southport bricklayer broke his back after falling through exposed floor joists in Widnes.

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Understanding commercial van insurance?

If you use your van just for business reasons instead of social and domestic pleasure then commercial van insurance policies are an essential purchase for your business. The goal of commercial van insurance cannot be overemphasised. Nevertheless, it is intended to protect against any kind of scenarios in the near future; for instance, in the risk that your van becomes stolen- the van insurance provider is more than prone to compensate the depreciated value of your van.
 
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Considerably reducing your expenses to a minimum is a possible means for running a easier enterprise, this also consists of shopping around to find the best quality van insurance policy for your business vans that won't set you back an arm and a leg. Purchasing the lowest cost insurance would undoubtedly save you loads of cash at first. However, your business could still pass up substantially in the event the right coverage isn't choosen, so be meticulous when analyzing your van insurance demands prior to staying in a particlular cover.

The sorts of insurance policies that you can secure is often dependant on several requirements, factors like level you would like to be protected by, the make and model of the van, or possibly vehicles that you own and the term of the protection.

A number of insurance providers gives insurance coverage to private firms, sole traders and big business owners as these protects ranges from diverse levels. The three or more principal styles of covers that you may obtain for your van comprise of fully comprehensive, third party fire and theft and third party commercial.

The most costly as well as most complicated sort of insurance coverage is the fully comprehensive cover mainly because it has a tendency to safeguard every type of accidents as well as accidental injuries that may take place. The comprehensive insurance policy is a cover that protects against damages to the belongings of parties involved in an automobile accident, protects against accidental deaths resulting from a vehicle accident and finally, covers from injuries sustained due to any sort of accident.

Comprehensive van insurance also covers against any kind of harm to both you and the 3rd party's vehicle after a major accident, covers against theft, burglary, vandalism as well as entitles you to courtesy vehicle when your van is off the road for repairs. If you store equipment in your van subsequently it is really worthwhile confirming that these can also be protected through your comprehensive insurance protection.

In addition to the comprehensive policy, third party fire and theft tackles the security of destruction, losses and also liabilities resulting from third parties which includes fire, theft, burglary, vandalism as well as collisions as well. It is prudent to remember that this sort of insurance policy protection will likely not protect you and your vehicle if the third party does not have his/her own insurance in the course of the car accident.

Third party commercial van insurance policy is usually the lowest priced, and most significant form of van insurance policy not to mention protects you from any kind of damages to a third party. Due to the fact third party insurance coverage usually do not safeguard against your company's car, you'll be responsible for repairing the car belonging to the 3rd party if it's established that you were responsible for the accident.

An old banged up van that cost next to nothing could be used for your business to avoid high cost of insurance policies. By taking out a third party policy only, you could fulfil your legal obligation of being legal on the road whilst saving loads of your insurance premium monthly.

No matter how much you use your van, you can also customize it with additional add ons on offer by business van insurance firms. Add ons like ability to drive other vans, being able to drive in other countries whilst being covered, being protected up to your legal expenses all come very handy in the course of your business operations.


One of the best approach of obtaining cheap van insurance (http://www.cheapestvaninsurance.org/) is by doing a  van insurance comparison on quotes proposed by insurance firms. Also corporate organisations get incredible bargains on their commercial van insurance therefore keeping part of their outgoings to a minimum.

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Problems Of A Good Van Insurance Discount- Things To Refrain From Doing

Looking for the best van insurance policy coverage should really be a very simple experience. You unearth the proper coverage, receive a very good value and have your vehicle covered by insurance. Still even the best tasks provide their personal hazards attached.

Cheap van insurance is a chief instance on this. In writing, it is an easy process, however you need to be wary of potential issues, similar to spending above the odds or even having the flawed sort of policy totally. Consequently to help you avoid any such likely stumbling blocks, here is a information to 5 of the most typical pitfalls that individuals come up with when buying or renewing their van insurance coverage policy.

1. Providing Incorrect Data.

Vans are usually designed as multi-purpose vehicles. Therefore the actual insurance that protect them must provide account considering all of these likely functions. This may give a a number of difficulty to the applying course of and should even lead to unnecessary issues being prepared in the info a person present.

For instance, should you fail to call an everyday driver of your vehicle or perhaps declare that it is used for a purpose when it's truly used for another, this will cause major matters. Bearing in mind that insurance coverage is a authorized requirement, in case your coverage is undoubtedly invalidated through mere inaccuracies, it's possible you'll experience more considerable issues compared with simply discovering it slightly difficult to make a successful compensation claim.

2. Never Checking Your actual Cover Before Restoring It.

A 12 months period is usually a very long time within the lifetime of a vehicle and a corporation. Various matters can modify during this era, a few of which may need to be reflected within your insurance coverage. Lack of ability in order to correctly replace the particulars might lead to lots of the problems featured in the earlier part. Whilst an inexpensive offer may be just what you are after, in the end you need to possess vehicle insurance that can truly provide you with the cover you desire.

Subsequently be sure you spend time to assessment your current renewal request consider this as a chance to create just about any necessary modifications simply whether it is just a trivial modification as part of your expected twelve-monthly mileage or adding a new individual. Use your current coverage as a sign after which make modifications to accommodate. Modifying it throughout the time of your policy can end up costing you a typical payment each occasion, therefore it is price doing it whenever you will have the opportunity.

3. Not Bothered To Take A Look At the Quotations Of Other Insurers.

Whilst you could be glad together with your current insurance firm and have received a decent offer for your new policy, which can in no way mean that it will possibly definitely not possibly be improved upon somewhere else. Get on-line and investigate. Use your same particulars along with a variety of van insurers and determine everything that is offered for your needs plus pick out where savings might be generated without the need to lower your stage of cover.
It is easy to undertake, and because of the Internet, it is amazingly reachable as well as quick as well. So there is absolutely no excuse for paying extra for a similar policy by way of ignorance.

4. Assuming They Are Of Similar Quotations Together With Other Insurance Organizations.

Certainly, there are apparent same things amongst the two forms of cover; however, there are additionally an identical quantity of variations that will mark them apart. For those who usually are not necessarily cautious you possibly can skip essential knowledge (once more, as specified within the first part) or even depart yourself seriously under protected. Perceive your main car, actually is used for, where it is actually kept as well as whom might be utilizing it. Only by finding these right would you have a coverage that really gives the coverage required.

5. Buying Excess Amounts Or Too little Advised Add On.

For those who panicking that you simply had not implemented the correct particulars or maybe exaggerated the extent of cover that you wanted, you are way more likely to fork out greater than is actually strictly obligatory on your insurance cover. In the event you hadn't applied beforehand, consult any individual that has to obtain advice and even get in touch the insurance organisation for them to guide you through the appropriate procedure. A telephone query is usually a great way to question issues while you actually go alongside, so long as you have all the knowledge handy obviously.

Provided you're absolutely serious pertaining to discovering the perfect achievable cheap van insurance offer then you should just keep clear of these kind of obstacles. On the grounds that these tendencies are sure to discourage you from your preferred target- to save funds with your van insurance rates. Presently there are alternative effective selections to adopt any time you are wanting for alternatives to pay off a much lower van insurance insurance rate- 6 month van insurance, less expensive van insurance quotes and also cheapest car insurance quotes as well as many other van insurance comparison techniques.

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Friday 20 July 2012

Brilliant options exist for UK camping and caravanning

There has been a continued pressure on people's wallets across the UK in the last few months, which is likely to lead to an increase in the number of holidaymakers who choose to head off somewhere in the UK for their holiday with their cheap travel insurance, rather than taking the traditional option and flying elsewhere.
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Top 4 Van Insurance Money Saving Suggestions

Everybody likes to save some cash, particularly in the present economic crisis. Consider it or not, one place you could possibly be reducing cost is on your insurance to your van. Finding the right insurance is crucial as it safeguards you and your van against a lot risks, not to mention that it's required by law inside the UK.

Which means you must have insurance, however it doesn't mean you need to pay a high price. You'll find affordable deals, however you have to know the best way to approach the purchase of your insurance policy. Here is a look at a few wonderful money saving suggestions you should use as you look for an ideal offer when insuring your newly purchased van- http://www.cheapestvaninsurance.org/

1 - Spend Time Procuring Around

At first, if you wish to lower your expenses on your van insurance, you are going to spend a while in shopping around. It doesn't need to take much time though. Typically the internet has produced comparability shopping easier than ever. All you have to do is jump on-line, go to some comparison websites on the web, fill out a quick type and you'll be comparing prices quickly. Simply ensure that you always take a look at more than the quote. Finding the right cover is also vital, so examine core features and price for one of the best all around package for your requirements.

2- Decrease Your Rates with a Increased Voluntary Excess

One other manner though which it can save you and decrease your rates is to go along with a higher voluntary excess. It's a very simple principle to remember. The larger your voluntary excess you opt for, decrease the price on your insurance will likely be to suit your needs. Simply increasing the voluntary excess simply by a number of quid could make a huge distinction. Work out exactly what you'll be able to afford to spend to be your voluntary excess. Therefore go with that choice to be sure to plug spending leaks on your van insurance coverage costs.

3 - Do not Allow The Insurance coverage to Lapse

Don't enable your insurance coverage to lapse if you wish to avoid wasting cash with your van insurance. If you happen to wind up permitting the coverage to lapse, insurance firms are going to take a look at you as a huge risk. They might even suppose that you are somebody that's irresponsible. In many cases you will end up paying out extra for the insurance you want, in case you have left your insurance coverage on the van to lapse. Ensure you preserve your coverage going, even when you need to go along with a brief time period option, while in search of one of the best long run policy for your needs.

4 - Search for Any type of Doable Discounts

Just remember to search for any potential reductions. Many individuals don't realize what number of reductions are available and they never think to look for them or ask about them. Saving a little occasionally with discounts can actually add up to a nice financial savings on your policy. You will find discounts for buying on-line, reductions for a number of policies, secure driving savings, discounts for safety devices and more. Ask about discounts available and try to get every low cost that you can get.

The more discounts you get, the more you may save on your van insurance coverage. In concluding, you can easily obtain cheap van insurance, low cost van insurance quote, tool insurance, short term van insurance, cheap quotes from 1st central car insurance as well as Autonet van insurance by doing adequate and quality van insurance comparison when searching for van insurance.

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Thursday 19 July 2012

European Central Bank drops rates

U.S. consumers who think interest rates are too low might have some new company in Europe now that another interest rate is chopped.

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Retirement planning in Salem, Oregon

Build a comprehensive fund while retirement planning in Salem, OR, by visiting our site. Utilize the guides and tools available to help you succeed. If you're searching for a low-risk investment with a better yield than your savings, consider a money market account for retirement planning. Let us assist your retirement planning in Salem, OR, with our rate tables that

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Planned fuel duty for August postponed by Government

Chancellor George Osborne announced yesterday that the planned 3p rise for fuel duty that was due to be applied in August has been postponed.

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Wednesday 18 July 2012

European Central Bank drops rates

U.S. consumers who think interest rates are too low might have some new company in Europe now that another interest rate is chopped.

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Ed Miliband attacks rip-off pensions

Which? findings on pension fees have been used as the basis for Miliband’s proposal of capping pension charges in the name of ‘responsible capitalism’.

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Great to Work With

Wisconsin Auto Insurance Customer Sends Kudos about Working with Serenity

Jennifer was great to work with. I am happy to give a testimonial.
Thanks Jennifer!
Imana
WI SR22 insurance customer

Imana needed a Wisconsin car insurance policy with an SR22 filing and was very happy working with Jennifer to get this done.
Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer affordable auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

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Tuesday 17 July 2012

Is your insurer being unfair?

UK motorists could be paying £225 million too much for their car insurance. We show how you can cut the cost of your premiums.
According to the Office of Fair Trading (OFT), insurers are competing with each other unfairly, which means motorists are paying way more than they should be for cover.
The government department has now asked the independent Competition Commission to investigate these claims.
Competition
Let’s say you and another driver are involved in a car accident, but it’s the fault of the other driver.
The other driver’s car insurance company will cover the cost of damage to your vehicle, but it doesn’t have any say in who carries out the repairs.
Your insurer will sort out who repairs your vehicle, and may opt for a really expensive mechanic, just because it’ll make a huge dent in the pocket of their competitor – the other driver’s insurer.
It may also decide to get other third parties involved, such as courtesy car providers, so then rebates and referral fees have to be paid by the other driver’s insurer as well.
‘We believe the focus that insurers have on gaining the competitive edge through raising their rivals' costs means that drivers pay more than they need to for their motor insurance policies,’ explained John Fingleton, Chief Executive of the OFT.
The Competition Commission will take a closer look and, if it’s findings support those of the OFT, legislation may be introduced to reduce unfair competition.
Whiplash
Earlier in the year, a report from the Transport Select Committee blamed the recent increase in claims for whiplash injury for the spike in the price of car insurance.
The report shows that the number of people injured in UK road accidents decreased by 62,369 from 2005 to 2010.
However, the number of motor insurance injury claims recorded by the Compensation Recovery Unit increased by a massive 324,902 in the same period.
In light of this evidence, the Transport Select Committee urged the government to crack down on insurance companies and their links to injury lawyers.
Cut your costs
Until the car insurance industry is more closely regulated, there are actions you can take to try and reduce your premiums.
Shop around: first of all, if you’re looking for a new car insurance policy, use a comparison website so you can see which insurer offers a deal that suits your needs for the cheapest price.

Opt out of added extras: you can choose to opt out of certain extras such as breakdown or windscreen cover, but before you do, consider whether you need them.
Fit an alarm: improving the security of your car should make it less likely to be stolen and, therefore, may be less expensive to insure.
Pay annually: it’s usually cheaper to pay for your insurance in one lump sum, rather than in monthly instalments.
**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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Falling demand for commercial vehicles

Across the EU, demand for commercial vehicles has dropped almost 12% over the past year. This includes sales of CVs which have also dropped off significantly since the beginning of 2011.

We’re not sure what this means for commercial vehicles, but we’re sure it has a whole lot to do with the current financial climate. Let’s hope things pick up in the commercial market and that the introduction of further electric vehicles takes off. With the Olympic Games this summer, trade and business will be busier than ever- just the boost we all need!

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Why Minorities, Immigrants, Working Poor, Unemployed, and Single-Parent Households May Pay More for Insurance New Guide Explains What to do About it


New York, NY (PRWEB) June 25, 2012

Studies repeatedly find that minorities such as the African-American, Hispanics, immigrants, disabled people, seniors or veterans, unemployed or even single mothers tend to pay higher car insurance rates for the same or similar vehicles. The situation is alarming and does not seem to improve, explains Steve, project manager at http://www.carinsurancecalculator.info. It is sometimes hard to understand why those who already might suffer from financial hardship or even discrimination tend to be disadvantaged when it comes to financial security mechanisms such as insurance. Some would suspect insurance companies even of redlining.

Examples, such as given in a study by NAIC, 2010 show rates of up to 26% higher in Latino areas for basic coverage, or even the plain unavailability of insurance for certain groups. The very same study cites critics attacking the scoring system as flawed, socially unwise and unfair to individuals. The study is a mere example of many.

This is a very interesting and ample field of research, and an important debate adds Steve, We felt it would be best to not only summarize these findings in plain English, but also to offer countermeasures and fitting strategies for consumers, whether affected or not, to keep their rates low.

The new guide issued by CarInsuranceCalculator.info is available free at http://www.carinsurancecalculator.info/490/why-minorities-and-the-poor-pay-more-for-auto-insurance-and-what-to-do-about-it/ and names the main areas which may make LMI vulnerable to higher auto insurance rates. These are in short:

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Monday 16 July 2012

Pay off student loan, or fund emergency account?

When deciding to pay down your student loan or pad an emergency fund, think about risk.

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Talked Through Insurance Buying Process

Wyoming Car Insurance Customer Pleased with Service

Will was just awesome on the phone. He helped me over the past weekend and made sure I was comfortable with the policy coverage and understood what was going on. He really talked me through everything and the experience was just great.
Thank you,
Charles
WY car insurance customer

Charles needed a Wyoming auto insurance policy and Will talked him through the process so that he was comfortable with the purchase of his policy.
Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.


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Fantastic turnout for Commercial Vehicle Show 2012

Crowds numbered over 16000 at this year’s CV Show, up by 10% on last year’s figures and an impressive feat given the current state of our economic climate, especially as many of those in attendance were buyers.

Show organisers were more than happy with such a fantastic turnout and just what the CV Show 2012 has proved about the commercial vehicle market- it remains sufficiently healthy despite the decline of other industries in the UK, defying economic uncertainty.

These figures also bode well for 2013, when the Commercial Vehicle will also be able to boast official international accreditation. All this seems to promise an even bigger and even better show for next year.

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Sunday 15 July 2012

Out-of-control debt? Rein it in to fix credit

Get your financial life on track by knowing why you are racking up so much debt.

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Libor and your credit cards

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Mortgage rates in Brookings, South Dakota

Treasure your home by utilizing our site -- where you will find the most current mortgage rates in Brookings, SD. Whether you are purchasing a new home or refinancing, we provide the ability to check local mortgage rates in Brookings with our easy rates search function. It offers real-time, accurate data on mortgage rates throughout South Dakota and the country.
Rates

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Saturday 14 July 2012

Video: State of the market - UKGI in 2012

Insurance Times asks what insurers can expect in 2012

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Hot Car Deals, 3 July 2012

Which? Car Deals: Today we have deals on the sporty Volkswagen Scirocco, the practical and safe Mazda6 hatchback, and Peugeot’s frugal 508 turbodiesel saloon.

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CD rates in Whidbey Island, WA

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