Cheap Van insurance Tips And Tricks: October 2012

Wednesday 31 October 2012

Direction For Finding Lowered Van Insurance Rates Nationwide

Van insurance policies comes with different types of insurance policies for their drivers, although price of these kinds of coverage rely upon the exact type of insurance policy picked, it could some times rely upon the most important goal of the utilization of the van (irrespective of whether business or non commercialized use).

1. Regardless of how pricey a van insurance cover might be, your legal duty will be to at least get the most primary policy or protection against any uncertainty.Typically, all vans will require fire as well as theft policy besides public liability cover. But business vans also need 3rd party protection along with other policy which cover the van but do not identify anyone driver. On the other hand, particular personnel may be designated for eligibility of discounted price.

2. It is extremely very easy to add new add-ons to comprehensive insurance policies. A few of these add-ons may include additional protective cover for legal expenses coverage, fixture cover, breakdown protection as well as audio coverage. It's perfect in circumstances whereby saving money on policies has to be your uttermost purpose.If you do not drive numerous miles, mileage rate reductions can decrease your payment and experience levels can help save you cash on insurance policy.

3. A huge portion of insured drivers lower their monthly cost through preferring to pay off a considerably greater voluntary excess provided that an crash isn't their own carelessness.Special discounts could be available for those that did not made any kind of claims and put in security alarms or garage storage might dictate a cheap van insurance rates.

4. Insurance providers include varying policy demands when working out van insurance costs for people.Engine size and van capacity do determine rates in addition to small gestures that offer little bumper peel off stickers using telephone numbers for individuals to phone if a commercial van driver is being dangerous on the roads.

5. Insurance costs can easily be lessened if you are paying the full annual payment instead of per month payments- this would prevent you paying the interest fees on the full premiums that incorporates the monthly installments. And also, raising your amount of excess when signing up for the coverage from the outset can also help minimize premiums considerably.

6. Look into the optional protection coverage that your insurer may have included as part of your policy, determine whether you could actually save cash as you take them up or simply buy them cheaper some where else. Many insurers could have more suitable packages once you take up their policy while some will not. Since you're obliged to pay the total amount of your van insurance cover, you may also be in a position to change some features that come with your policy so as to lower your quote.

7. Always bear in mind that 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. Insurers tend to increase van insurance premiums when the goods and items been transported are quiet expensive and dangerous- this is because they are exposed to more financial risks .

Finding several van insurance quotes would enable you save money and time as it would help you determine the cheapest option to go for and the policy that offers the best value for your money.

Van insurance comparison websites have sprung up over the years to help individuals choose from a number of non-compulsory extras and add-ons along with supporting car owners establish a cheaper van insurance cover. Legal expenses, personal injury cover, breakdown cover are usually a handful of the numerous additional protection people are in a position to choose from .

Eventually, it always pays to be persistentwhen evaluating a cheap van insurance quote. Obtain as many insurance quotes as you can available then you will be in a better position to ascertain what insurance policy is the best for you and best value for money, get a quote here- http://www.cheapestvaninsurance.org/one-day-van-insurance.html. Nonetheless though, a lot of van insurance you may choose from, between cheap one day van insurance, short term van insurance premiums, cheap commercial van insurance here- http://www.cheapestvaninsurance.org/short-term-van-insurance.html and more. Having big price reductions from all of these insurance policies additionally involves similar tactic and also patience.
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Tuesday 30 October 2012

Road Rage, Distracted Driving Common Among Daily Commuters

A surprising poll recently conducted by Harris Interactive for the job-posting and career advice website CareerBuilder.com provided some interesting insight into American drivers and their habits behind the wheel. Not so surprisingly, the results showed that as a whole, drivers in the U.S. are an angry and distracted bunch.

The poll, conducted between May 14 and June 4 of this year, surveyed almost 3,900 motorists about their commutes to and from work. Of those polled, the vast majority (83%) drove to work each day as opposed to using public transportation. The poll excluded those who were self-employed or employed in government jobs.

According to Rosemary Haefner, Vice President of Human Resources at CareerBuilder.com, road rage is most associated with running late and dealing with long, far commutes. In total, 58% of all drivers said they experienced road rage during their commutes to and from work. This doesn't mean drivers with short commutes were immune to road rage, though, just that they were less likely to experience it. In fact, only 37% of drivers with a commute of five minutes or less experienced road rage, while 54% of those with commutes of 10 minutes or less admitted to experiencing road rage.

As surprising as it may seem, 61% of all women surveyed admitted that they experienced road rage at some point while making their daily commute, while only 56% of men admitted to losing their head behind the wheel. Regardless of gender, younger drivers are more prone to road rage than older ones, adhering to the stereotype that the older you get, the more you mellow-out. Approximately 68% of those surveyed between the ages of 25 and 34 years old said they experience road rage, while only 47% of those 55 and above admitted the same.

The weather also factored into a driver's likelihood of experiencing road rage. Nearly 17% of those surveyed said that when the temperatures go up in the summer, they experience road rage less. Only 10% claimed that the added heat of the summer months fueled their fury behind the wheel.

While a significant amount of Americans seem to struggle with anger issues during their commutes, the upside came from the fact that only 9% had actually been involved in to a fight with another driver.

Beyond angry driving, almost one in four commuters (24%) has been in an accident while on their way to work, while just under a third (30%) admitted to texting and driving while on their way to work. All in all, to keep your vehicle out of harm's way, keep calm and focus on driving while commuting — and watch out for those who don't.

Six top money-saving websites

From bidding in police auctions to avoiding expensive premium rate numbers, logging on can be a fantastic way to keep costs to a minimum.

Since the advent of price comparison sites and online vouchers deals, many savvy Brits are reaping the financial benefits of spending time online.

With this in mind, we’ve rounded up six of our favourite money-saving websites.

1. Bumbleebee Auctions

This is an official online auction site to sell lost or stolen items that have been recovered by police and can’t be reunited with the rightful owners.

With objects for sale including cars, motorbikes, mobile phones and an intriguingly-titled ‘miscellaneous’ category, it could be worth taking a look if you’re keen to find a bargain.

Even if you don’t make a purchase, you could satisfy your curiosity about the kind of items that end up on the site.

2. Say no to 0870

Ringing premium rate 0870 numbers can cause your phone bill to sky rocket. If you do need to contact a company with one of these numbers, check out Say no to 0870.

When you enter the name of the company, the site provides a list of cheaper alternatives numbers.

3. Split your ticket

You’ve probably heard of split ticketing – the idea that you can pay less for a train journey if you split your trip into different legs and pay for each portion separately.

As long as the train stops at all your departure and arrival stations, you’ll normally be able to stay on the same train.

In theory, an officious member of the train staff could force you to get off and back on again, but this is pretty unlikely.

If you think this sounds a little too labour intensive, you can enter the details of your journey into Split your ticket. The site then suggests possible ways in which you can split your journey and details how much money you could save.

4. The Energy Saving Trust

For many Brits, the rising cost and gas and electricity is one of the biggest financial worries.

In fact, ‘big six’ energy supplier SSE recently announced its decisions to increase prices by 9%. If past trends are any indication, it may not be long until other providers follow suit.

If you’re worried about rising utility bills, it could be wise to try to cut your gas and electricity use. The Energy Saving Trust website contains a variety of tips on how to reduce your energy consumption, which may also cut the cost of your bill.

5. mySupermarket

Trudging round the supermarket on a Saturday afternoon is nobody’s idea of a good time. With shopping website mySupermarket.co.uk, however, you could cut both your anxiety and food bill.

This site compares the prices of thousands of items sold at Tesco, Sainsbury’s, Asda and Ocado and allows you to buy your groceries from the store with the lowest prices.

6. BeatThatQuote.com

Of course, it wouldn’t be right to finish without a reference to our favourite money-saving website, BeatThatQuote.com. Here, you’ll find the latest financial news and information on top money deals.

If you’re inspired to spend more time on the internet, check out 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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When is a Car Considered “Totaled”?

Recently a New Jersey father took his young son down to a local river to watch and feed the birds. As he slowed the vehicle in preparation to park it, the boy bolted from the car and headed for the river’s edge. The understandably panicked father also jumped out of the vehicle to prevent his son from falling down the embankment. While he saved his son, his vehicle went off the road, rolled down the embankment, and ended up in the water.

The story has a happy ending as far as father and son are concerned, but the vehicle is another story. Although it started right up as soon as police fished it from the water, the owner told reporters he assumed his car insurance company would total it.

His comment raises an interesting question. If the engine runs normally and there appears to be no major structural damage, why would an insurance company total it? To understand that, we must look at some other factors.

What It Means to Be “Totaled”

Before talking about the vehicle and the damage it might have sustained, it’s important to first understand what it means when a car is “totaled.” When a car insurance company uses that designation they are essentially saying the car is a total loss from a financial standpoint. In other words, regardless of whether the owner purchased the cheapest car insurance possible or a top-of-the-line policy, the insurance company has decided they will spend less money to replace it then to repair it.

In most states when a car insurance company totals a vehicle they take ownership of that vehicle once the owner accepts a claim check and cashes it. If the insurance carrier believes it can make a little money by selling the vehicle at a salvage auction they will make arrangements to come and tow it from the customer’s property. If they decide they can’t make any money they will sometimes tell the customer to dispose of it as they see fit. Either way, the car insurance company has the final say.

What May Have Happened

In the case of a New Jersey man, we don’t know exactly sort of damage was incurred by his vehicle. But there are couple of things we can speculate on. First of all, regardless of whether or not he had cheap car insurance we can say that he did have collision and comprehensive coverage; otherwise, the idea of the insurance company totaling the vehicle would be irrelevant. Knowing that, we can look at a couple of things that might have driven the repair costs too high.

If the front end of the vehicle suffered body damage when it hit the river bed, or perhaps dents and dings on its way down the hill, they could result in repair costs of up to several thousand dollars. The insurer must also consider having the engine taken apart and checked for water damage despite the fact the vehicle started right up.

Third, there’s the issue of drying out the vehicle’s interior; this might be the most costly part of the procedure. In order to prevent mold from growing the car’s interior would have to be dismantled, disinfected, and properly dried. That job would probably be worth at least several thousand dollars if the potential water damage was serious.

If you add up the costs of all three types of repair work it’s conceivable a claim could cost the car insurance company $8K-$10K. If the vehicle is more than three or four years old it could be replaced for less money.

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Monday 29 October 2012

CD rates in Charlotte, North Carolina

Certificates of deposit aren't returning much right now. In fact, the average one-year CD rate is currently at 0.3 percent. But there are several institutions offering better-than-average rates. Use our survey to find the best CD rates in Charlotte, NC.
CDs are insured accounts. The FDIC insures them at banks. At credit unions, the NCUA keeps

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London close: Disappointing earnings and growth concerns spark sell-off

'Risk is officially off', says analyst; corporate earnings and growth worries sink stocks; miners drop, while ARM and Experian gain.

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Sunday 28 October 2012

Bankers pout about the umps

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Rates are subject to fluctuation throughout the day

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Holidaymakers crave Wi-Fi on airplanes

If airlines gave passengers the opportunity to enjoy Wi-Fi technology, a significant proportion would prefer this option over traditional in-flight entertainment.

Saturday 27 October 2012

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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Retirement planning in Mobile, Alabama

Let our site steer your course while retirement planning in Mobile, AL, with our guides, tools and calculators. Put your funds in a safe harbor by investing in a money market account for an easy way to begin your retirement planning. We make finding the best money market rates for retirement planning in Mobile, AL, a breeze. The rate tables are updated

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Money market account and rates in Steubenville, Ohio

The national average money market account rate has been at 0.12 percent for the last thirteen weeks. It's a good thing that some institutions are offering better-than-average yields. You can generally find some decent rates from credit unions and online banks. Find a money market account and rates in Steubenville, OH, and in other areas

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Friday 26 October 2012

House prices jump for October

Latest figures published today by property website Rightmove has revealed that the average asking price of a property has increased by 3.5%

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CD rates in Charlotte, North Carolina

The Correct Approach For Getting The Cheapest Van Insurance Packages Online

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Thursday 25 October 2012

What Do You Mean My Cut-Rate Car Insurance Doesn’t Cover That?

While getting a great price on car insurance is always a bonus, be sure to read all of the fine print. Like many things in life, if a deal seems too good to be true, it probably is. When dealing with car insurance you want to make sure that you have the proper coverage and cut-rate policies will often contain surprises that you might not be aware of until you need to make a claim. While getting in an accident is never fun, adding the stress of a less than stellar insurance policy can make it even worse.

Experts advise that when comparing insurance policies shopping by price alone is a mistake. Finding a policy that offers the protection you need combined with great customer service is the best way to go.

Following are a few pitfalls that are common in low priced insurance policies:

1. Low Coverage – The best way to lower policy prices is to lower the coverage. Many cut-rate policies will only offer coverage limits that are mandated by the state the policy is being written in. States only require liability coverage and the limits are quite low. If you are at fault in a serious accident the policy limits will not cover the expenses, meaning you will be on the hook for the excess.

If your cut-rate policy only offers liability coverage, there is no protection for your car. Collision and comprehensive cover the costs to repair your car in the event of an accident, or damage caused by fire, flood, vandalism or theft. Without this coverage you will be paying for the repairs.

2. High Deductibles – Cut-rate policies often have high deductibles which can be a great way to save money, until you need to make a claim. If you are carrying a $1000 deductible be sure that you have the money put aside, you never know when an accident will happen. A high deductible can quickly get expensive if you have more than one accident in a year.

3. Limited Coverage for Repairs – If your cut-rate policy does offer collision and comprehensive there is a good chance there will be limitations. Non-standard policies often factor in depreciation, even for repairs. As an example, if a car were hail damaged, instead of covering the full amount to repair the vehicle the policy would only pay a percentage based on the depreciated value of the car.

4. Poor Customer Service – A cheap policy is no longer cheap if you cannot get the help you need when an accident happens. Slow response times, adjusters that take forever to look at your vehicle and cheaply done repairs are just a few things you may be in store for with cheap policies. Ask friends and family for recommendations when shopping for a new policy, specifically ask them if they have made a claim and how they were treated.

5. Friends Not Covered – Cheap car insurance will often exclude friends and even family members who are not listed on the policy. This can be a problem if you let friends borrow your car on a regular basis. Some of these policies will extend coverage but will drop it down to state minimums when a non-listed driver is behind the wheel, drastically reducing your protection. Since it is your car you will be on the hook if your friend gets in an accident.

Saving money on car insurance is always a good idea but be sure you know what you are getting into when it comes to cut-rate insurance.

What Do You Mean My Cut-Rate Car Insurance Doesn’t Cover That? is a post from: Cheap Car Insurance News Blog

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The UK’s top earners revealed

Do you ever feel like you have very little to show for an hour's work? Well, these people may feel differently.

If you’re anything like us, you’d probably be pretty pleased to discover you were earning as much as David Cameron.

According to research from employment website People Per Hour, the Prime Minister picks up £80.24 per hour – not bad for 60 minute’s graft.

However, this amount would probably seem pretty meagre if you were earning the same as a Hollywood actor, supermodel or sporting star.

In fact, some of the most well-paid Hollywood stars receive the equivalent of more than £10,000 per hour.

In order to calculate hourly rates of pay for certain people and professions, the researchers first looked at the annual salary. They then broke the figure down assuming 48 working weeks – each of 37 hours – to arrive at an equivalent hourly rate.

The top earners revealed

Harry Potter fans might not be surprised to learn that JK Rowling picks up a massive £6,144.32 per hour.

In the sporting industry, tennis star Andy Murray receives £4,338.10 and the average Premier League footballer pockets £822.07 an hour.

Across the pond, Hollywood actor Johnny Depp picks up the equivalent of £10,841 every 60 minutes, while UK supermodel Kate Moss bags £3,326.45.

Remember, these figures are calculated on the basis of a typical working week and many of the people in this list might not work on a nine to five basis. This means they’re unlikely to receive a set hourly rate like the rest of us.

The 1,508% salary hike

People Per Hour isn’t the only organisation to have conducted research into levels of pay.

According to the High Pay Centre, top footballers saw their salaries increase by a massive 1,508% between 1992 and 2010 – compared with the average salary increase of 186% during this period.

In fact, footballers’ salaries now account for up to 70% of clubs’ turnover and the price of match tickets for fans has risen by up to 1,000%.

Best- and worst-paying professions

Of course, the average Brit will never earn an hourly rate anywhere near those of the rich and famous.

You might therefore be more interested in People Per Hour’s findings related to the average incomes for professions across the UK.

Amongst the more highly paid are directors and chief executives of major companies who make £63.15 an hour and army colonels who can earn as much as £50.34. Meanwhile, airline pilots and GPs pocket around £40 for one hour’s work.

At the lower end of the spectrum, waiters receive just £3.17 per hour and secretaries pocket £3.73. Those who work as receptionists earn £6.50 per hour and cooks pick up £7.97 per year.

Although you might be horrified to think of these people as earning below the minimum wage, remember some of these low earners probably work part time. This means their pay might not be quite as meager as it seems – though still nowhere near the sums made by Hollywood stars and Premier League footballers.

For more articles like this, check out How football adds 137% to a home’s value and The best and worst paid jobs.

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Supertrucks at Commercial Vehicle Show 2012

Specialist van bodywork supplier, Supertrucks has confirmed attendance at this year’s Commercial Vehicle Show. The company will take its largest ever stand at the event, promoting the latest version of its low-loading Space Van.

The Space Van is based on a Citroën Relay back-to-back cab, incorporates an expanded choice of side load doors and provides 20.4m3 of load space with a full payload potential of up to 1,260kg.

Peter Wright, Supertrucks Chairman: “We are pleased to make the commitment to exhibit at the Commercial Vehicle Show. Our company is currently expanding its output the CV Show fits well with our marketing strategy. If our previous experiences at the CV Show are anything to go by, we will gain several new customers at this event.

“We are very fortunate have a healthy a strong business flow at the moment and an innovative product range. We are also benefiting from high demands on various European export markets- a venture which now accounts for almost 20% of our business.”

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Wednesday 24 October 2012

Top 50 Insurers 2011: usual suspects top rankings

Lloyds, Aviva and RBSI on top, as QBE grows in Top 50

PENSION CRISIS CONTINUES AS MEMBERSHIP OF PRIVATE SECTOR SCHEMES FALLS TO LOWEST LEVEL SINCE 1953

As auto-enrolment starts, pensions trust and confidence is at record low

Without state pension reform, it is dangerous to lure workers into pensions without risk warnings

Auto loan rates in Buffalo, New York

Car loan rates are low throughout the nation. If you're looking to finance a new vehicle, it's a good time. The average 48-month new-car loan rate is at 4.22 percent, and there are several lenders offering even better deals. Use our research to find auto loan rates in Buffalo, NY, and in other areas of

Tuesday 23 October 2012

The UK’s top earners revealed

Do you ever feel like you have very little to show for an hour's work? Well, these people may feel differently.

If you’re anything like us, you’d probably be pretty pleased to discover you were earning as much as David Cameron.

According to research from employment website People Per Hour, the Prime Minister picks up £80.24 per hour – not bad for 60 minute’s graft.

However, this amount would probably seem pretty meagre if you were earning the same as a Hollywood actor, supermodel or sporting star.

In fact, some of the most well-paid Hollywood stars receive the equivalent of more than £10,000 per hour.

The top earners revealed

Harry Potter fans might not be surprised to learn that JK Rowling picks up a massive £6,144.32 per hour.

In the sporting industry, tennis star Andy Murray receives £4,338.10 and the average Premier League footballer pockets £822.07 an hour.

Across the pond, Hollywood actor Johnny Depp picks up the equivalent of £10,841 every 60 minutes, while UK supermodel Kate Moss bags £3,326.45.

The 1,508% salary hike

People Per Hour isn’t the only organisation to have conducted research into levels of pay.

According to the High Pay Centre, top footballers saw their salaries increase by a massive 1,508% between 1992 and 2010 – compared with the average salary increase of 186% during this period.

In fact, footballers’ salaries now account for up to 70% of clubs’ turnover and the price of match tickets for fans has risen by up to 1,000%.

Best- and worst-paying professions

Of course, the average Brit will never earn an hourly rate anywhere near those of the rich and famous.

You might therefore be more interested in People Per Hour’s findings related to the average incomes for professions across the UK.

At the lower end of the spectrum, waiters receive just £3.17 per hour and secretaries pocket £3.73. Those who work as receptionists earn £6.50 per hour and cooks pick up £7.97 per year.

For more articles like this, check out How football adds 137% to a home’s value and The best and worst paid jobs.

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Money market account and rates in Lewes, Delaware

Money market accounts don't have the greatest yields right now. The national average is currently at 0.12 percent. Fortunately, there are some credit unions and online banks offering better deals. Use our research to find a money market account and rates in Lewes, DE, and in other areas of Delaware, today.
MMAs can be a good

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It’s Not Easy Being Green: Your Eco-Friendly Car is Kinder to Some Cities

It’s no big secret that cars are responsible for a good deal of pollution: There are over 250 million of them in the US alone, and they pump out greenhouse gases by the truckload each day. For those looking to reduce their carbon footprint, electric cars have, for quite a few years now, been the most popular alternative to gas-powered cars. While electric cars are certainly considered to be the more eco-friendly mode of transportation, there is some discussion as to just how much greener electric vehicles really are. If you’re thinking that your next car might be an electric one, consider the following infographic before you settle on which e-vehicle you want. The fact is that, unbeknownst to most consumers, the “greenness” of your electric car depends a lot on just where you’re plugging it in. For residents of some cities, electric cars there may be far less green than in others. For those living in cities powered primarily by coal, the energy being expended in charging your car might be just as detrimental to the environment as just driving a gasoline-powered car. Since electric cars are typically more expensive than gas-fueled vehicles, the savvy car consumer should pause before buying and ask, “will an electric car really be greener in my city?”

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Monday 22 October 2012

BANK OF ENGLAND RIGHT TO HOLD BACK ON FURTHER QE

· QE policy only valid for an economic emergency
· Policy has damaged the economy via its effects on inflation, annuity and drawdown rates and pension fund deficits
· Saga’s latest Quarterly report shows that the over 50s are still cutting back on spending – contributing to a £25bn decline in GDP

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Insurers pay £200 million a day to customers

The Association of British Insurers has published figures in their UK Insurance-Key Facts revealing how much money is paid out to UK customers each day.

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AA’s fight for fair fuel prices backed by government

The government has stepped up to help the AA’s campaign for fail fuel prices by calling on fuel providers to give customers access to daily fuel values- therefore ensuring that blanket prices are marketed across the entire country. The AA hopes that implementing this will ensure that the whole country benefits from lower fuel prices.

It seems that oil price hikes are quickly mirrored at the pumps, but any drop in price takes a long time to filter down to us as consumers- let’s hope this changes following these reforms, as the government has promised to take further action against fuel retailers if new regulations are not adhered to.

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Sunday 21 October 2012

Mortgage rates in Bend, Oregon

Discover all the latest information on mortgage rates in Bend, OR, by visiting our site. We provide the ability to check local mortgage rates in the Bend area with our easy rates search function. As rates are fluctuating at this time, our search function offers users the ability to search for current rates throughout all

Commercial van insurance for every business owners

Commercial van insurance for every business owners Commercial van insurance are mainly for vans or vehicles that are used for business purposes only. If you intend using your van for commercial use then commercial van insurance is what is required for that purpose.

The objective of a commercial van insurance cover is for the protection of your van with any content that may be included inside, it also covers your business against any eventualities that may occur in future. However, they usually do not come cheap thats why most prudent businesses set out for cheap van insurance policies to cut overhead.

Drastically reducing your outgoings to a minimum is a viable means for running a more lucrative business, this also includes shopping around for the best quality van insurance policy for your business vehicles that won't cost you an arm and a leg..Getting the cheapest insurance can save you money at the beginning but on the long run you could end up loosing a great deal due to the type of policy you purchased. So it's good to always be thorough when looking for the most appropriate insurance for your business otherwise yoo could end up loosing out on the best policy for your business.

There are various insurance policies out there, but the specific cover that you require could depend on various factors and criteria for you to obtain. Such factors might include the capacity of the van, age and model, period of cover and much more.Most insurance providers will certainly provide you with insurance coverage designed for private, sole trader as well as company van use along with with different grades of protection.Full comprehensive cover, third party fire and theft and third party only cover are the major insurance cover that all major insurance companies provide on a regular basis.

The fully comprehensive insurance coverage is for the protection of every eventualities perhaps that why it's the most cumbersome and most expensive policy you can buy. Comprehensive cover protects against liability for accidental deaths of any individual involved in an accident, covers against injuries sustained and also covers against damage to properties of any party.Comprehensive van insurance also covers against any damage to both you and the third party's vehicle after an accident, protects against theft, burglary, vandalism and also entitles you to a free van when your vehicle is off the road for repairs.Always make sure that if you're going to be living tools and other contents in your van, they must be covered under your policy against theft.

On the other hand, third party fire and theft policy cover would protect against any liability caused by any third party that includes vandalism, fire, theft , any accidents and of course burglary of your van.Third party fire and theft covers unlike comprehensive policy does not honour a claim if the third party to the accident isn't insured at the time of the collision.The last and final insurance cover is the third party commercial cover. Often the least expensive out of the entire three policies and also very basic or simple cover, it protects your van against damages caused to a third party only. It's so unfortunate to note that your business van cannot be covered by this policy due to it's short comings compared to more extensive policies like comprehensive and third party fire and theft cover.

However, if you're involved in a collision, you would have to pay the repair cost of the third party motorists.To fulfill your legal obligation of being legal on the road you can get a van that's worth next to nothing and take out a third party cover only . This will save you money on the long run and ensure you remain legally insured on the road. No matter how much you use your van, you can also customize it with additional add on on offer by commercial 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.

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DVLA proposes rise in driving licence fees

The DVLA has proposed a rise in driving licence fees, starting April 2013. This comes in answer to their rising costs- costs which can only be fully covered by implementing these increased customer fees.

Clearly set out are three possible options: Application of the £20 common driver fee to provisional licences; implementation of 5-yearly renewal applications for vocational driving licences; increase in fee for a first provisional car or motorcycle licence to £52.25 and increase of common driver fee to £20.70.

With a view to making sure their final decision is best for all, the DVLA are consulting their customers in order to find out which plan is considered to be the most favourable. You can have your say via the DVLA website, comments must be made before August 14^th.

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Saturday 20 October 2012

Research shows young adults turn to their parents for help with home improvements

New research has revealed that young adults who have purchased their own home turn to their parents instead of a professional to help with home improvements.

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Study Shows Teens “Inherit” Poor Driving Habits From Parents

According to a new study from Liberty Mutual Insurance and Students Against Destructive Decisions (SADD), teens that engage in dangerous driving are not picking up poor habits on their own, but instead have observed their parents engage in them while riding as passengers. Out of more than 1,700 teens surveyed across the country, the vast majority pointed out a number of poor and dangerous driving habits exhibited by their parents.

The survey's results revealed that 91% of teens observed their parents talking on cell phones while driving, 88% observed their parents speeding, and 59% of parents were guilty of texting while driving. And beyond speeding and hot-topic driving hazards like cell phone use, almost half of the teens surveyed reported that they had witnessed their parents drive at least occasionally without a seatbelt. Even more disturbing was that 20% teens said they have observed their parents driving while under the influence of alcohol, while 7% have observed their parents drive under the influence of marijuana. The findings were disturbing, as teens practically mirrored their parents behavior in most categories.

Among the same 1,700 teens surveyed, 90% admitted to talking on their cell phones while driving, 94% admitted to speeding occasionally (while 47% said they speed often to very often), and nearly 80% admitted to sending text messages while driving. When it came to seatbelt use, 33% confessed that they have driven without a seatbelt. As far as driving under the influence, 15% of teens surveyed had driven under the influence of alcohol, while 16% had driven after using marijuana. For Liberty Mutual and SADD, the results provide a clear link between observed and self-reported driving behaviors.

Beyond a number of poor driving influences that teens admitted to witnessing from parents, 66% of teen drivers said that they are often instructed to "do as I say, not as I do" by their own parents when it comes to driving habits. According to Stephen Wallace, a senior advisor for policy research and education at SADD, this type of instruction from parents actually undermines the rules of the road they set for their teens. Wallace believes that the best instruction that a teen can receive when it comes to driving safely is for parents to set the example and become a good role model behind the wheel. Additionally, Wallace advises that parents should create an open dialogue about safe driving behavior with their teens, and also create and sing a parent/teen contract outlining in detail the types of positive driving habits both parties will adhere to when on the road.

Parent/teen contracts can be found on the Liberty Mutual website, or in most cases, on the website of your personal insurance provider.

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Money market account and rates in Cortez, Colorado

The average money market account remained the same in our latest rates survey. It has been at 0.12 percent for over three months. It's a good thing that some credit unions and online banks are offering better yields. Use our research to find a money market account and rates in Cortez, CO, and in other

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Friday 19 October 2012

FTSE 100 movers: Kingfisher leads gains after investor day

DIY shop retailer Kingfisher was a high riser following an analyst visit to its Screwfix operations on Friday. Espirito Santo, Jefferies and Panmure Gordon reiterated their 'buy' ratings on the stock today, ...

5 things to know: 10-11-12

Bring back the (gas guzzling) spirit of the '70s with these keen 2012 cars that have the mileage of a 1972 car.

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It’s Not Easy Being Green: Your Eco-Friendly Car is Kinder to Some Cities

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Thursday 18 October 2012

GENEROUS GENERATIONS

• One in three over 50s financially support a family member
• One in 14 over 50s financially support more than one family member
• 11% support their parents

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New proposals for more driving penalties

If new government proposals are to go ahead, then driving penalties could get a lot more severe very soon. Offences such as speeding are to have their penalties increased by up to 50%, so instead of three points and a £60 fine, those breaking the limit could be looking at double that amount. It isn’t only speeding that is destined to be treated more severely, as using a hand-held mobile phone or not fastening your seat belt could also see you in severe driving hot water.

If fines were to go ahead, then the government could stand to gain an extra £33.5 milion a year in driving penalties alone, but they haven’t stopped there. They are planning to introduce fines for other offences, such as tailgating and cutting up other drivers, which would incur an on the spot £90 and three points on your licence.

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Chevrolet Trax

The Trax, unveiled at the 2012 Paris Motor Show, is one of many new mini SUVs and is Chevrolet’s version of the Vauxhall Mokka.

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Wednesday 17 October 2012

RSA slips into H1 commercial lines loss

RSA’s combined ratio increase puts it on par with Aviva

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Ticketmaster charging people to print their tickets

Which? research has found that companies such as Ticketmaster are charging customers an average fee of £2.50 to receive tickets by email for some events.

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It’s Not Easy Being Green: Your Eco-Friendly Car is Kinder to Some Cities

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Tuesday 16 October 2012

Research shows young adults turn to their parents for help with home improvements

New research has revealed that young adults who have purchased their own home turn to their parents instead of a professional to help with home improvements.

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Jobs report: Surprise!

The unemployment rate unexpectedly fell to 7.8 percent, the lowest level in nearly four years. Good news for the president. Not so good for borrowers.

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Monday 15 October 2012

HAS BANK OF ENGLAND SCORED AN ‘OWN GOAL’?

SAGA RESEARCH HIGHLIGHTS DAMAGING IMPACT OF MONETARY POLICY

CUT IN SPENDING POWER OF OVER 50S MAY HAVE CAUSED £25 BILLION FALL IN GDP

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Money market account and rates in Florence, Alabama

The average national money market account yield is at 0.12 percent in our latest rates survey. It’s been there for quite a while. And with the Fed keeping a hold on rates until at least late 2014, chances are it won’t be moving up anytime soon. But there are still some higher rates out there.

PPI 'win' cost me £1,090 in interest on my credit card

Redress Claims deducted £3,190 for £195 win … then took another £139

I received a call from Redress Claims in May last year, offering to win me compensation for mis-sold payment protection insurance. They told me they operated on a no-win, no-fee basis. Their terms and conditions said they would charge a fee no higher than £495. But when my credit card statement arrived they had deducted £3,190. As a result, I accrued £1,090 interest on the card, the payment method they insisted on.

DT, Ware, Herts

You've misread their terms and conditions; they charge up to £495 for each credit check and then expect 25% of any compensation you receive, although it claimed 100% of one £36 award. What the company does to earn these huge sums for claims people can make themselves for free is a mystery and will remain so because Redress Claims phone lines no longer accept incoming calls due to "high demand" and when my email is finally answered by a third-party business management advisory company, Scott Roberts LLP, that question remains unanswered . But Redress Claims does very well out of its business for you tell me it won for you a total of £195 in compensation, £139 of which it deducted for itself. This is in spite of its own terms and conditions which promise not to pursue claims where the likely compensation would be worth less than the fee. Roberts merely tells me that its client has suddenly discovered, 17 months on, that you were not eligible to make several of the claims for which you've presumably paid (it claims you failed to return some paperwork) and it will refund you all but the cost of your claim for missold mortgage PPI. It doesn't specify how much this will be. Redress Claims, along with similar firms, is licensed by the Ministry of Justice which, in response to previous complaints, has imposed conditions, including an obligation to issue an invoice and receipt when any money is debited from a customer. You say you received neither. Redress Claims is under investigation by the authorities and if malpractice is discovered, the outcome can be new conditions governing its trading, temporary suspension or withdrawal of its licence. In the meantime, you could claim for the £3,000 against your card issuer which is held jointly liable for disputed transactions under Section 75 of the Consumer Credit Act.

Mark King is away. If you need help email Anna Tims at your.problems@observer.co.uk or write to Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU. Please include an address and phone number.

Anna Tims