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Wednesday 31 July 2013
More income equals more coupons?
Consumers with higher incomes search for deals more than those with less money.
Your biggest wastes of money
Buying flashy cars and not planning for the future are just a couple of mistakes people make with their finances.
Unfortunately, there is quite a gap between what people would like to do with their money and what they actually do. For many, buying a house, taking trips with family or even retiring may present difficulties if drastic changes aren’t made in spending and saving habits.
Financial planning is vital for attaining realistic goals. Investing for the future should be a regular habit.
Here are some common financial mistakes that people make.
Not paying bills on time
Many people look at credit cards as a means to improve their lifestyle. So the end of the month rolls around and you receive that dreaded envelope in the post from your credit card company.
If you've ever paid a bill late, you will have probably noticed that you're charged a fine.
Brushing aside your bill or ignoring it all together could be detrimental to your credit rating and cost you more through the interest payments.
Trying to make an impression
Just because your neighbour has a flashy new TV, doesn’t mean you need to get one.
Buying for status is perhaps one of the worst financial mistakes. There is no evidence to prove that impressing others with a fancy car can make you happier. In fact, the debt you take on while acquiring these assets could prove to be costly. Never think about what others have as there are financial consequences of buying more than you need.
Overusing credit cards
Time and time again cards are used to purchase the smallest of things – from a loaf of bread to a packet of crisps.
The cost of the items you have charged becomes the purchase price plus interest. Before you know it, you’ll have filled the car up with petrol, bought a new duvet cover and have acquired the entire Monty Python DVD box set. Next time you make impulsive purchases, ask yourself if what you are buying is worth the interest.
Not planning for the future
Taking control of your spending and managing your money can help pave the way to achieving financial goals.
Failure to plan ahead can be a result of inexperience or may even be attributed to ignorance and fear. Although you may not want to face the future, it is just around the corner and without significant planning, you will find life much more difficult.
Lack of life insurance and health insurance could leave you in a difficult situation if problems were to arise. After all, life insurance is an asset for an individual.
Acting as a guarantor
Those of you with good credit may sometimes be tempted to guarantee a tenancy agreement or mortgage for a friend or family member with a history of financial problems.
But be prepared for what this implies. When you guarantee a mortgage or tenancy agreement, you’re taking on a risk that a professional lender or letting agent won’t take. If they can’t repay the debt, then you will be responsible for it. You may be better off staying away from playing the sugar daddy or a good Samaritan and keep your financial records on track.
**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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6-month CD rates in San Antonio, Texas
It's a tough savings environment. CD rates in San Antonio, TX, and in other cities throughout the country, are low. Yet, there are still some decent deals available. One bank in this survey is offering 0.61 percent on 6-month CDs, which is over four times the national average. You can use our tools to shop
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Tuesday 30 July 2013
It's official, Speedos are back in fashion
When it comes to buying travel insurance and booking a beach holiday, the next big decision is to pick out the perfect swimsuit, and it's clear that this is one issue that splits opinions.
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Seven credit rating myths
Don’t be fooled by common misconceptions about your credit rating.
We’re constantly told about the benefits of checking our credit report. It could help us spot identity theft, correct mistakes on our file, assess our chances of getting a mortgage – to name but a few.
While these points are all true, there are a number of myths and misconceptions. We explain the truth behind seven of the most common.
MYTH ONE: Checking your own credit report damages your score
FACT: Your credit score will only be affected if your file is checked by a potential lender.
If your file is frequently checked by credit card companies, this could mean you are having financial difficulties.
MYTH TWO: I’m on a credit card blacklist
FACT: There is no industry wide ‘naughty list’ of people who can’t borrow money or get a credit card.
Most companies will look at similar criteria when assessing your application. However, they have different rules when deciding whether or not to lend you money. Being rejected by one company doesn’t automatically mean you will be declined every time you apply for credit.
MYTH THREE: My flatmates’ debt will lower my score
FACT: Unless you have financial ties with somebody (i.e. a joint account), this person cannot affect your own credit history – even if you live together.
Don’t stress if your housemate has racked up thousands on store cards, that’s his or her problem.
MYTH FOUR: Being a high earner means a high score
FACT: Although you may be asked your salary details when applying for a credit card or loan, your earnings do not affect your score.
However much you make, your score may be low if you have a history of debt and financial mismanagement.
MYTH FIVE: A criminal record affects my rating
FACT: Past offenses will not appear on your credit file – unless the crime was of a financial nature.
Your file will note if you have been declared bankrupt or have a county court judgement (CCJ). However, potential lenders will not be able to see if you have had any parking or driving fines.
MYTH SIX: Bad credit stays with you for life
FACT: The good news is that bad credit does have a shelf life.
While a bankruptcy is recorded for six years, it may only take a few months to clean up your report if your offenses are relatively minor (such as not being on the electoral roll).
MYTH SEVEN: You can be fired for bad credit
FACT: Although an employer may ask to check your credit report for proof of financial stability, the company will need your consent to do so.
If you are worried that your credit rating could affect your job, you might want to check the terms of your employment contract or seek professional debt advice.
**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.**
Click here for more.. How to get cheap van insurance quotes Read more here.. Where to get cheap quotes Check out more...
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Monday 29 July 2013
Summer holidays eat into Briton's savings
Even though the global financial crisis which has been looming over us for the past few years appears to be abating, many people are still finding it hard to put any sort of money away, with high living costs continuing to have an affect on our personal finances.
How to get cheap van insurance quotes Read more here.. Where to get cheap quotes Check out more... When to obtain new quotes
Seven credit rating myths
Don’t be fooled by common misconceptions about your credit rating.
We’re constantly told about the benefits of checking our credit report. It could help us spot identity theft, correct mistakes on our file, assess our chances of getting a mortgage – to name but a few.
While these points are all true, there are a number of myths and misconceptions. We explain the truth behind seven of the most common.
MYTH ONE: Checking your own credit report damages your score
FACT: Your credit score will only be affected if your file is checked by a potential lender.
If your file is frequently checked by credit card companies, this could mean you are having financial difficulties.
MYTH TWO: I’m on a credit card blacklist
FACT: There is no industry wide ‘naughty list’ of people who can’t borrow money or get a credit card.
Most companies will look at similar criteria when assessing your application. However, they have different rules when deciding whether or not to lend you money. Being rejected by one company doesn’t automatically mean you will be declined every time you apply for credit.
MYTH THREE: My flatmates’ debt will lower my score
FACT: Unless you have financial ties with somebody (i.e. a joint account), this person cannot affect your own credit history – even if you live together.
Don’t stress if your housemate has racked up thousands on store cards, that’s his or her problem.
MYTH FOUR: Being a high earner means a high score
FACT: Although you may be asked your salary details when applying for a credit card or loan, your earnings do not affect your score.
However much you make, your score may be low if you have a history of debt and financial mismanagement.
MYTH FIVE: A criminal record affects my rating
FACT: Past offenses will not appear on your credit file – unless the crime was of a financial nature.
Your file will note if you have been declared bankrupt or have a county court judgement (CCJ). However, potential lenders will not be able to see if you have had any parking or driving fines.
MYTH SIX: Bad credit stays with you for life
FACT: The good news is that bad credit does have a shelf life.
While a bankruptcy is recorded for six years, it may only take a few months to clean up your report if your offenses are relatively minor (such as not being on the electoral roll).
MYTH SEVEN: You can be fired for bad credit
FACT: Although an employer may ask to check your credit report for proof of financial stability, the company will need your consent to do so.
If you are worried that your credit rating could affect your job, you might want to check the terms of your employment contract or seek professional debt advice.
**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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Sunday 28 July 2013
Car Insurance Discover How To Save Cash On | Types of Car Insurance
http://howtocomparecarinsurance.com Car Insurance Discover How To Save Cash On | Types of Car Insurance , For many people vehicle insurance policies are a th…
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Vauxhall comes out on top for the 11th year running
Vauxhall has managed to produce the most commercial vehicles in the UK for the eleventh year running – beating its closest rivals by a significant number of units. The manufacturer managed to turn out an impressive 53,465 Vivaro-type vans from its Luton plant last year, while 5,373 Astravans rolled off its Ellesmere Port production line.
Hoping to cash in on some of the popularity, Renault is now producing its own version of the popular Vivaro, the Trafic, from its partner Nissan’s Barcelona plant this year. They should be available to buy in the UK later in 2013. Vauxhall UK Chairman and MD, Duncan Aldred said;
‘We are very proud of our manufacturing bases here in the UK, especially as we enter out 11oth year. Vauxhall has been building ans selling vehicles in Britain without interruption since 1903.’
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Which? calls for reforms to the car recalls system
Which? Car investigates why Britain's toothless car recall system is failing consumers
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Saturday 27 July 2013
Credit union checking: Free for the taking
Checking is free at most credit unions, according to Bankrate's survey. Are there any other perks?
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24% Of Drivers Admit To Coming Close To Causing An Accident While Texting
By Aaron Crowe
Almost one-fourth of drivers feel they’ve come close to causing an accident while using their cellphone while driving, according to a recent survey by CheapCarInsurance.net.
Overall, 28% of those surveyed say they’ve texted, emailed or browsed the Internet while driving, a part of distracted driving that the Centers for Disease Control and Prevention estimates is responsible for 10% of U.S. auto crash deaths each year.
The drivers aren’t uneducated poor people. Most are young (47% are ages 18 to 29), college educated (66% are college graduates or have spent some time at college), and have high incomes (40% earn $75,000 or more per year).
Women were more a little more likely than men (27% of women vs 20% of men) to admit to coming close to causing an accident while using a cellphone in the car.
The CheapCarInsurance survey was done June 20-23 of 1,005 adults 18 and older, and has a margin of error of 3.6%.
The survey results are lower than a 2011 study by the CDC that found that 68% of U.S. adult drivers aged 18-64 reported that they had used their cellphone to text or talk while driving. However, CheapCarInsurance’s survey results were a little higher than United Kingdom drivers in the CDC study, where 20% of UK respondents admitted to using their cellphone while driving.
The percentage of CheapCarInsurance respondents who admitted to texting and using their cellphone while driving is lower than a 2012 AAA study that found that 34% read a text or email while driving, and 26% typed one. AAA also found that views on distracted driving were more “Do as I say, not as I do,” with 80% saying its a very serious threat to safety, and 82% saying it’s completely unacceptable.
When comparing themselves to other drivers who use their phones to text or email while driving, many of the CheapCarInsurance respondents were overconfident in their ability to text and drive.
When asked what type of driver they think they are when using their phone, the biggest percentage (44%) think they’re average, but 36% said they were above average drivers. Only 18% said they’re below average.
Men were most likely to make this assumption, with 43% saying they’re above average, compared to 29% of women.
Among age groups, 83% of young people 18 to 29 say they’re average or better drivers while using their cellphones, and 84% of respondents in the next age group of 30-49 say the same thing.
“That overconfidence is a necessary part of psychological development,” says John Mayer, a psychologist in Chicago.
Overconfidence in one’s abilities, including driving and texting, is a developmental task that all young people go through and is gradually stripped away as they age, Mayer says.
“We’re born narcissistic, that the whole world revolves around us, and we can have whatever we want,” he says.
But before young people become responsible adults with children and a steady job, they need overconfidence to help them take risks they might not take otherwise, Mayer says. “These are important things. Otherwise you wouldn’t do anything,” he says.
The CDC study found that men and women are generally the same when admitting to using a cellphone while driving, but younger age groups were more likely to do it, says Rebecca Naumann, an epidemiologist at CDC’s injury center.
Young people have been found to be more likely to partake in high-risk behaviors such as speeding, drinking and driving, not wearing seatbelts and texting or using their cellphones in a car, Naumann says.
If parents engage in distracting behaviors while driving, then their teenage children are more like to do so too, according to a 2012 University of Michigan Transportation Research Institute study. Teens read or send text messages once a trip 26 times more often than their parents think they do, it found.
Overconfidence of people who use cellphones while driving has been found in other studies. A 2012 survey by the National Highway Traffic Safety Administration found that at least half of all drivers reported that talking on a phone makes no difference on their driving performance. When asked if sending text messages or emails while driving impacts their driving, 25% said it makes no difference, the NHTSA found.
The NHTSA distracted driving survey also found that drivers ages 25 to 34 reported talking on the phone at the time of a car crash or near crash 10% of the time, more than any other age group.
The CheapCarInsurance survey also found that people with low incomes rated themselves as better than average drivers when compared to others who use cellphones while driving, with 37% of those with annual incomes of $30,000 or less saying they’re above average drivers. They were more confident in their abilities to text and drive than all other incomes, except for 43% of those earning $50,000 to $74,900 per year.
The overconfidence of the low income respondents may come from having nothing to lose and the sense that a fatal driving accident while texting won’t happen to them, Mayer says.
When comparing themselves to other drivers on the road in general, respondents who use their cellphones while driving aren’t as confident in their texting and emailing abilities while driving, with only 28% saying they’re above average. Men remain more confident than women in this area (37% vs 20% saying they’re above average drivers), but more women say they’re average (47% vs 40%).
It’s a natural tendency to answer a phone or text message when a phone rings, but there are ways to move a phone lower on a priority list while driving, says Steve Dziadik, who owns a driving school in Florida.
There are plenty of apps that can help stop people from texting and driving, but probably the best method is to put the phone in the trunk. There’s nothing more important while driving than driving, says Dziadik, whose young students are at first frightened of all of the multi-tasking they’ll be doing while driving.
“You’re going to start driving and you’re going to start thinking that you have spare time while driving,” he says.
Young drivers will let some distractions slowly creep in to their driving, he says, such as letting the front-seat passenger hold the steering wheel while they text. Teens tell Dziadik that they can text blindfolded, and think they can text while driving.
“Driving is very, very multi-tasking,” he says, “and you’ve got to be focused on it all of the time, because it’s nothing but multi-tasking.
New drivers need three to six months of driving with no one else in the car with them, especially teens, he says.
“They’re not going to try to distract you because they have a death wish,” Dziadik says of teenage passengers. “They’re going to socialize because it’s natural.”
Aaron Crowe is a journalist who covers the auto industry for CheapCarInsurance.net.
24% Of Drivers Admit To Coming Close To Causing An Accident While Texting is a post from: Cheap Car Insurance News Blog
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Port operator fined over safety
A court has fined a Port of Tilbury berth operator £20,000 for safety failures that resulted in a worker having both legs amputated after they were crushed by a cargo container.
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Friday 26 July 2013
Auto loan rates in Ventura, California
Are you looking for the lowest auto loan rates in Ventura, CA? One lender in this survey has recently been offering 1.74 percent on a 48-month new-car loan. That's great, considering the average for this term is 4.01 percent. If you're looking to combat fuel prices, there are plenty of hybrids and electrics on the
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Not all savings accounts are equal
Savings accounts are still the best way to save for rainy day, but all accounts aren't equal.
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Mortgage rates find a direction: Down, barely
Rates are down a little. Looking for more good news? Well, homebuyers face less competition.
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Thursday 25 July 2013
4 ways to save on hair care
Here are four ways to save on hair care without sacrificing the basic quality of care.
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Auto loan rates in Elmira, New York
Shopping for auto loan rates in Elmira, NY? There are some great deals available. In fact, one lender in our survey is offering 1.74 percent on a 48-month new-car loan. Use our tools to shop for the best rates in New York. There are several lenders in this survey offering rates lower than the national
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Wednesday 24 July 2013
Don’t Get Caught without Car Insurance
For a lot of people, car insurance is one of those things we purchase grudgingly because the law requires us to do so. If we had our way we wouldn’t bother sinking tens of thousands of dollars, over the course of a lifetime, into a product we may never use. But it’s better to purchase insurance than be caught without it.
These days’ state laws take driving without insurance very seriously. And with good reason. As the cost of health care and consumer prices continue to rise, the potential financial loss represented by even a minor car crash are higher than they’ve ever been. The damage caused by a serious accident could push someone to the brink of financial ruin.
Whether we agree with insurance laws or not, make no mistake that every state requires drivers to make good on any damage they cause or injuries they inflict through car accidents. In legal terms this is called “financial responsibility.” With the exception of Idaho, every state requires drivers to prove financial responsibility before they are legally allowed to register and drive a car.
Immediate Consequences
If you’re pulled over by a police officer or involved in an accident, having no insurance coverage will usually result in immediate consequences. At the very least you’ll be given a citation and forced to pay a small fine. But most states are not that easy. Most will impose severe penalties such as:
- severe fines in the hundreds of dollars
- suspension of a driver’s license and registration
- vehicle impound
- potential jail time
Each state is obviously different in the penalties they impose and the means by which they do so. But make no mistake about the fact that driving without insurance is not taken lightly. If you’re caught, you will pay.
Future Consequences
In addition to the immediate consequences of having no insurance, there are some future, long term consequences as well. First off is the fact that an insurance violation will most certainly result in higher rates on future policies you purchase within the next couple of years.
Second, insurance companies do have the right to reject you for a policy if you have a no insurance citation on your record. You may try to get a policy through half a dozen companies only to be rejected by all of them. In such a case you would be left to purchase your car insurance from a company specializing in high risk; this means higher rates.
Third, repeat offenses can land you in jail in many states. Once that’s on your record it will forever affect lots of things including job prospects, housing options, and so on.
While it’s true many Americans have a hard time finding cheap car insurance they can afford, being caught without it is even more unaffordable. Think long and hard before getting behind the wheel of an uninsured vehicle. It’s not worth the potential fines, suspensions, and jail time just to get where you’re going.
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24% Of Drivers Admit To Coming Close To Causing An Accident While Texting
By Aaron Crowe
Almost one-fourth of drivers feel they’ve come close to causing an accident while using their cellphone while driving, according to a recent survey by CheapCarInsurance.net.
Overall, 28% of those surveyed say they’ve texted, emailed or browsed the Internet while driving, a part of distracted driving that the Centers for Disease Control and Prevention estimates is responsible for 10% of U.S. auto crash deaths each year.
The drivers aren’t uneducated poor people. Most are young (47% are ages 18 to 29), college educated (66% are college graduates or have spent some time at college), and have high incomes (40% earn $75,000 or more per year).
Women were more a little more likely than men (27% of women vs 20% of men) to admit to coming close to causing an accident while using a cellphone in the car.
The CheapCarInsurance survey was done June 20-23 of 1,005 adults 18 and older, and has a margin of error of 3.6%.
The survey results are lower than a 2011 study by the CDC that found that 68% of U.S. adult drivers aged 18-64 reported that they had used their cellphone to text or talk while driving. However, CheapCarInsurance’s survey results were a little higher than United Kingdom drivers in the CDC study, where 20% of UK respondents admitted to using their cellphone while driving.
The percentage of CheapCarInsurance respondents who admitted to texting and using their cellphone while driving is lower than a 2012 AAA study that found that 34% read a text or email while driving, and 26% typed one. AAA also found that views on distracted driving were more “Do as I say, not as I do,” with 80% saying its a very serious threat to safety, and 82% saying it’s completely unacceptable.
When comparing themselves to other drivers who use their phones to text or email while driving, many of the CheapCarInsurance respondents were overconfident in their ability to text and drive.
When asked what type of driver they think they are when using their phone, the biggest percentage (44%) think they’re average, but 36% said they were above average drivers. Only 18% said they’re below average.
Men were most likely to make this assumption, with 43% saying they’re above average, compared to 29% of women.
Among age groups, 83% of young people 18 to 29 say they’re average or better drivers while using their cellphones, and 84% of respondents in the next age group of 30-49 say the same thing.
“That overconfidence is a necessary part of psychological development,” says John Mayer, a psychologist in Chicago.
Overconfidence in one’s abilities, including driving and texting, is a developmental task that all young people go through and is gradually stripped away as they age, Mayer says.
“We’re born narcissistic, that the whole world revolves around us, and we can have whatever we want,” he says.
But before young people become responsible adults with children and a steady job, they need overconfidence to help them take risks they might not take otherwise, Mayer says. “These are important things. Otherwise you wouldn’t do anything,” he says.
The CDC study found that men and women are generally the same when admitting to using a cellphone while driving, but younger age groups were more likely to do it, says Rebecca Naumann, an epidemiologist at CDC’s injury center.
Young people have been found to be more likely to partake in high-risk behaviors such as speeding, drinking and driving, not wearing seatbelts and texting or using their cellphones in a car, Naumann says.
If parents engage in distracting behaviors while driving, then their teenage children are more like to do so too, according to a 2012 University of Michigan Transportation Research Institute study. Teens read or send text messages once a trip 26 times more often than their parents think they do, it found.
Overconfidence of people who use cellphones while driving has been found in other studies. A 2012 survey by the National Highway Traffic Safety Administration found that at least half of all drivers reported that talking on a phone makes no difference on their driving performance. When asked if sending text messages or emails while driving impacts their driving, 25% said it makes no difference, the NHTSA found.
The NHTSA distracted driving survey also found that drivers ages 25 to 34 reported talking on the phone at the time of a car crash or near crash 10% of the time, more than any other age group.
The CheapCarInsurance survey also found that people with low incomes rated themselves as better than average drivers when compared to others who use cellphones while driving, with 37% of those with annual incomes of $30,000 or less saying they’re above average drivers. They were more confident in their abilities to text and drive than all other incomes, except for 43% of those earning $50,000 to $74,900 per year.
The overconfidence of the low income respondents may come from having nothing to lose and the sense that a fatal driving accident while texting won’t happen to them, Mayer says.
When comparing themselves to other drivers on the road in general, respondents who use their cellphones while driving aren’t as confident in their texting and emailing abilities while driving, with only 28% saying they’re above average. Men remain more confident than women in this area (37% vs 20% saying they’re above average drivers), but more women say they’re average (47% vs 40%).
It’s a natural tendency to answer a phone or text message when a phone rings, but there are ways to move a phone lower on a priority list while driving, says Steve Dziadik, who owns a driving school in Florida.
There are plenty of apps that can help stop people from texting and driving, but probably the best method is to put the phone in the trunk. There’s nothing more important while driving than driving, says Dziadik, whose young students are at first frightened of all of the multi-tasking they’ll be doing while driving.
“You’re going to start driving and you’re going to start thinking that you have spare time while driving,” he says.
Young drivers will let some distractions slowly creep in to their driving, he says, such as letting the front-seat passenger hold the steering wheel while they text. Teens tell Dziadik that they can text blindfolded, and think they can text while driving.
“Driving is very, very multi-tasking,” he says, “and you’ve got to be focused on it all of the time, because it’s nothing but multi-tasking.
New drivers need three to six months of driving with no one else in the car with them, especially teens, he says.
“They’re not going to try to distract you because they have a death wish,” Dziadik says of teenage passengers. “They’re going to socialize because it’s natural.”
Aaron Crowe is a journalist who covers the auto industry for CheapCarInsurance.net.
24% Of Drivers Admit To Coming Close To Causing An Accident While Texting is a post from: Cheap Car Insurance News Blog
Where to get cheap quotes Check out more... When to obtain new quotes Click here now.. Why you need new quotes
Retirement planning in Columbus, Ohio
Discover new tips and guidelines while retirement planning in Columbus, OH, by visiting our site. Put your capital to optimal use by investing your money in a money market account. A money market account is for anyone who wants to save money and provides a safe and secure resource for your retirement planning. Information on retirement planning in Columbus, OH,
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Tuesday 23 July 2013
Research reveals the types of collisions women and men are involved in
A recent study carried out by Diamond car insurance has revealed the types of collisions men and women are involved in.
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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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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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SAGA MAGAZINE VOTED BEST 50+ MAGAZINE
Saga Magazine was yesterday awarded the title of Best 50+ Magazine in the UK - beating off other contenders including Good Housekeeping and Yours magazine.
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Monday 22 July 2013
Business news and markets: as it happened July 19, 2013
OECD proposes a rethink of the rules on taxing multinationals, taking aim at loopholes used by Apple and Google, as G20 finance ministers stress the need to create jobs.
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Broker tips: Smiths Group, Unilever, RSA
Investec has reiterated its 'buy' rating and 1,500p target price for Smiths Group despite the technology firm surprising the market with a profit warning on Wednesday, with the broker saying that its positive ...
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Sunday 21 July 2013
London midday: Unanimous MPC vote on QE takes markets by surprise
Minutes from this month's Monetary Policy Committee (MPC) meeting took markets by surprise on Wednesday morning, with the FTSE 100 slipping into the red after it was revealed that policymakers voted unanimously ...
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PATIENTS SAY COMMUNICATION IS AS IMPORTANT AS CLINICAL CARE
• Patients satisfied with clinical care on NHS, but feel softer aspects could be improved
• People want clean wards and to be treated with dignity
• 95% of people receiving private treatment felt they were treated with dignity, compared to 41% of those in NHS hospitals
• People want clean wards and to be treated with dignity
• 95% of people receiving private treatment felt they were treated with dignity, compared to 41% of those in NHS hospitals
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Aviva publish report to help tackle claims and rising premiums
Aviva have published a report in a bid to tackle how insurance claims are dealt with and to devise a solution to stop insurance premiums rising.
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Saturday 20 July 2013
Auto loan rates in Savannah, Georgia
Car loans are inexpensive throughout the nation. In fact, three lenders in this survey are offering rates below the current national average of 48-month new-car loans. You can use our research to shop for auto loan rates in Savannah, GA, and in other areas of Georgia, today. Before you decide on a lender, compare the
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End unfunded retiree benefits
Detroit and many other communities struggle to pay unfunded retiree health care benefits. The answer is to get rid of them.
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Research reveals the types of collisions women and men are involved in
A recent study carried out by Diamond car insurance has revealed the types of collisions men and women are involved in.
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Friday 19 July 2013
Your biggest wastes of money
Buying flashy cars and not planning for the future are just a couple of mistakes people make with their finances.
Unfortunately, there is quite a gap between what people would like to do with their money and what they actually do. For many, buying a house, taking trips with family or even retiring may present difficulties if drastic changes aren’t made in spending and saving habits.
Financial planning is vital for attaining realistic goals. Investing for the future should be a regular habit.
Here are some common financial mistakes that people make.
Not paying bills on time
Many people look at credit cards as a means to improve their lifestyle. So the end of the month rolls around and you receive that dreaded envelope in the post from your credit card company.
If you've ever paid a bill late, you will have probably noticed that you're charged a fine.
Brushing aside your bill or ignoring it all together could be detrimental to your credit rating and cost you more through the interest payments.
Trying to make an impression
Just because your neighbour has a flashy new TV, doesn’t mean you need to get one.
Buying for status is perhaps one of the worst financial mistakes. There is no evidence to prove that impressing others with a fancy car can make you happier. In fact, the debt you take on while acquiring these assets could prove to be costly. Never think about what others have as there are financial consequences of buying more than you need.
Overusing credit cards
Time and time again cards are used to purchase the smallest of things – from a loaf of bread to a packet of crisps.
The cost of the items you have charged becomes the purchase price plus interest. Before you know it, you’ll have filled the car up with petrol, bought a new duvet cover and have acquired the entire Monty Python DVD box set. Next time you make impulsive purchases, ask yourself if what you are buying is worth the interest.
Not planning for the future
Taking control of your spending and managing your money can help pave the way to achieving financial goals.
Failure to plan ahead can be a result of inexperience or may even be attributed to ignorance and fear. Although you may not want to face the future, it is just around the corner and without significant planning, you will find life much more difficult.
Lack of life insurance and health insurance could leave you in a difficult situation if problems were to arise. After all, life insurance is an asset for an individual.
Acting as a guarantor
Those of you with good credit may sometimes be tempted to guarantee a tenancy agreement or mortgage for a friend or family member with a history of financial problems.
But be prepared for what this implies. When you guarantee a mortgage or tenancy agreement, you’re taking on a risk that a professional lender or letting agent won’t take. If they can’t repay the debt, then you will be responsible for it. You may be better off staying away from playing the sugar daddy or a good Samaritan and keep your financial records on track.
**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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New home construction falters
Multifamily construction led a decline in housing starts.
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8 savvy secrets to creating a made-for-TV room
That room design on your favorite TV show is cheaper than you think. Here's how to get it.
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Thursday 18 July 2013
FROM BUST TO BOOM – SAGA GENERATIONS HOLD THE KEY
Britain’s baby-boomers have played a key role in keeping the UK economy from going bust – a Saga report has revealed.
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8 signs you're flirting with financial ruin
Are you marching toward a debt disaster? Look for these telltale signs that you need help.
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Wednesday 17 July 2013
9 reasons your credit card was declined
The shame of a declined credit card is bad enough. Why did it happen? Can you avoid it?
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Bringing all your policies together in one
Many companies in the UK will operate with more than one commercial vehicle. They will have a workforce that is big enough to use a variety of commercial vehicles to complete their daily jobs for their customers.
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6-month CD rates in Olympia, Washington
Shopping for the best CD rates in Olympia, WA? Despite low rates throughout the country, there are still some decent deals out there. For example, one bank in this survey is offering 0.61 percent, which is over four times the national average of 6-month CDs. You can use our research to shop for the highest
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Tuesday 16 July 2013
Six things to do before Christmas
Now that December almost here, we reveal six ways to safeguard your finances before Santa arrives.
With presents to open and trees to decorate, Christmas can be the perfect time of year to indulge our inner child.
However, this doesn’t mean we can forget about our financial responsibilities. If we’re not vigilant, Christmas can end up being one of the most painful times for our wallets, so we’ve drawn up a six-point Christmas financial checklist.
1. Check your presents are insured
Some insurance companies automatically increase the value of your home contents cover around Christmas. The Post Office, for instance, raises contents cover by 10%, but other insurers will not so it makes sense to check your policy’s fine print.
Most insurance policies carry a single article limit (SAL) which is the maximum you can claim for an individual item. Beware, the limit could be just a few hundred pounds.
If your presents exceed the SAL, contact your insurance company as you may need to name them separately on your policy or even purchase separate cover.
2. Sort out your tax return
If you need to send a self-assessment tax return, the online deadline is 31 January.
However, it’s wise to get this sorted as soon as possible rather than getting caught up in a last-minute scramble. If you fail to meet the deadline, you could face a £100 fine.
People who need to fill in an online form include the self employed, those who need to pay Capital Gains Tax and anyone whose income is above a certain level. However, this list isn’t extensive so check the HM Revenue & Customs website for more details.
3. Get your boiler serviced
If your boiler has ever given out during winter, you probably know how stressful the experience can be.
However, it can also work out extremely expensive if you don’t have some form of home emergency cover included on your home insurance.
Rather than risk your boiler dying on a freezing winter night, it might be easier and cheaper to have it serviced by a registered gas engineer over the next few weeks.
4. Cut the cost of your energy bills
As you probably remember from the past couple of winters, our gas and electricity bills have been getting more and more expensive.
The situation is bound to get worse this year. During the past six months, five of the Big Six energy suppliers has raised prices. As a result, the typical household now faces energy bills of £1,283 a year, according to research from Skipton Finance Services.
However, you may be able to offset these hikes by changing to a new energy supplier. In some cases, it’s possible to save several hundred pounds.
5. Prepare your car for winter
Every couple of years, antifreeze and engine coolant levels deteriorate, which leaves your engine at risk of freezing. Antifreeze is necessary to prevent the engine from overheating or freezing during the winter months.
Before the temperature drops even further, it might be a good idea to top up your anti-freeze and perform a check on your car. In all likelihood, this will be much cheaper than repairing serious engine damage further down the line.
6. Set your financial goals for 2013
Whether you want to clear existing credit card debt, get on the property ladder or start saving, it’s a good idea to set your financial priorities as early as possible.
Once you’ve got a clear idea of your goals for next year, you can relax and enjoy the festive season.
**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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End unfunded retiree benefits
Detroit and many other communities struggle to pay unfunded retiree health care benefits. The answer is to get rid of them.
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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.
- Great ways to obtain cheap van insurance quotes online
- http://www.cheapestvaninsurance.org/one-day-van-insurance.html
- http://www.cheapestvaninsurance.org/short-term-van-insurance.html
- http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html
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Monday 15 July 2013
Drunk Driving Classifications by State
While “DUI” is the most common classification for drunk driving, not every state uses DUI or driving under the influence when it comes to drunk driving convictions and arrests.
The following states use the term DUI: Alabama, Arizona, California, Colorado, Connecticut, Delaware, Washington DC, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Maryland, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia and Wyoming.
Still, DUI is not the only classification for drunk driving in these states. For example, in Colorado or New York you may also be arrested and charged with DWAI, which stands for driving while ability impaired. DWAI is a lesser charge than DUI, meaning that your blood alcohol concentration was between .05% and .079% at the time of the arrest. The sanctions against one’s driving privilege are also less for a DWAI charge.
Not as many states recognize the term DWI, which stands for driving while intoxicated. There are also certain states like Minnesota or New Mexico that only use the term DWI for drunk driving convictions. The states that use DWI are: Arkansas, Louisiana, Minnesota, Missouri, New Jersey, New Mexico, New York, North Carolina and Texas.
OUI or operating under the influence is a term used in the states of Maine and Rhode Island. OVI or operating a vehicle while impaired is a term used in Ohio. OWI or operating while intoxicated is a term used in Indiana, Iowa and Wisconsin.
There are also certain states that will use the term “OMVI” or operating a motor vehicle intoxicated. “OUID” or operating under the influence of drugs is used in some states. “OUIL” or operating under the influence of liquor is also used in a few states.
So as you can see just because someone is considered DUI in one state, does not necessarily mean that a person arrested for drunk driving in another state is necessarily facing a DUI charge.
Regardless of how your alcohol offense is classified, if you need SR22 or FR44 auto insurance, call Serenity Insurance for a free quote: 1-800-774-0520 or visit www.serenitygroup.com and submit a free quote request today. Serenity Insurance specializes in providing SR22 insurance for drivers with alcohol offenses and has access to the most affordable rates. Contact Serenity Insurance today!
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Invensys in talks with France's Schneider Electric after £3bn approach
British manufacturer Invensys is in takeover talks with Schneider Electric after receiving a £3.3bn preliminary offer from the French company.
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Couple's therapy? Keep separate bank accounts
Married couples often have joint checking accounts. Here are five reasons to go it alone.
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Sunday 14 July 2013
Turn off your engine to save the planet!
For all you van drivers who spend the day on the road, the Energy Saving Trust is appealing to you! They are asking all motorists to take heed of warnings about pollution from vehicle engines and consider switching off your engine when stuck at lights or in a traffic jam, in an effort to reduce emissions levels.
Information from Transport for London shows that if all the drivers in the capital alone turned off their engines for just one minute instead of idling, the capital could reduce its emissions by 90kg a year. The were eager to point out to drivers who were concerned about fuel consumption that turning an engine on and off results in less fuel being used than if you left it running. Tim Anderson, Senior Knowledge Manager at the Energy Saving Trust said;
‘This small individual step can collectively make a significant difference and help improve life for everyone.’
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Not Tesco's finest hour when it turned down insurance renewal
I claimed for storm damage on my Tesco Finest home insurance policy – but 18 months later it refused to quote for a renewal
I have a Tesco Finest home insurance policy. In January 2012 a huge ash tree in a neighbour's garden came down in strong winds, demolishing my shed, a low wall round a patio and stone garden furniture. Tesco eventually settled my claim and in May 2012 it renewed the insurance.
However, this year I was told that I did not meet its underwriting criteria. When I queried this, I was told it was because the claim came to just over £10,000. This seems ludicrous as the whole reason for insurance is to be prepared for the worst.
I have spoken to the Association of British Insurers and it says it is a commercial decision. Citizens Advice also says Tesco is entitled to refuse to quote. My problem is that when I try to get a quote I am asked whether I have ever been refused insurance and I fear that answering yes will affect my eligibility. CC, Sunbury-on-Thames, Middlesex
Few sectors punish customers as severely as insurance companies do for requesting the service that they have paid for. Usually, they do this by hiking premiums should you make a claim and Tesco's sudden rejection of you, over a year after the payout, seems inexplicable. Tesco, having stymied all your attempts to resolve the situation, is equally baffled when I query its logic and it decides to blame human error. "We have contacted Ms Cooper to apologise, as having reviewed her case we realise that we should have offered her the option to renew her policy," says a spokeswoman. You now rejoice in a new policy; good luck when you next have to claim on it.
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. Include an address and phone number.
guardian.co.uk © 2013 Guardian News and Media Limited or its affiliated companies. All rights reserved. | Use of this content is subject to our Terms & Conditions | More Feeds
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Mortgage rates in Hanover, New Hampshire
Moving and looking for mortgage rates in Hanover, NH? Let our site assist you by providing tools to help you make your decision. Mortgage rates can change throughout the day and week, but our easy rates search function allows you to check local mortgage rates in Hanover and throughout New Hampshire. Rates are subject to fluctuation throughout the day
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Saturday 13 July 2013
Refinance in Berkeley, California
Looking for assurance that now is the time to refinance in Berkeley, CA? Then check around and find guides, tools and calculators to help you make an informed decision on refinancing. Rates can change throughout the day and week, but our easy search function allows to you to check local refinancing rates in Berkeley and throughout California. Refinance mortgage rates in
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Mortgage rates in Boston, Massachusetts
See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Boston.
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