Tuesday 26 May 2015

Fantastic turnout for Commercial Vehicle Show 2012

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

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

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

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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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Monday 25 May 2015

Third-party cover meant we couldn’t get our Rangemaster cooker repaired

A repair was attempted by HomeServe, but the cooker remains broken

Encouraged by your column’s coverage of a faulty Ikea kitchen, I write as a peeved and frustrated owner of an induction hob that has failed completely and had repairs that fall way short in efficiency.

We have a Rangemaster cooker with five induction plates – all of which suddenly stopped working in mid-January, two months after the manufacturer’s warranty ran out. However, we had taken an extended warranty with HomeServe, which sent repairers from a partner company.

Continue reading...

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RECETARIO


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Cash Isa deals of the week 7 May 2015

Which? Money provides our weekly round up of the best deals on the market to help you invest your cash Isa allowance for 2015/2016

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Sunday 24 May 2015

When to Settle a Car Accident Without an Insurer

By Aaron Crowe

One of the first inclinations after being in a car accident is to call your auto insurance company. After making sure everyone is safe and you’ve contacted the other driver, calling your insurer for help can be one of the first things you want to do.

That can often be a smart move. Insurance agents are there to help you through the insurance process and want to make sure that your car and any injuries you have from the accident are taken care of quickly.

There are some times after an auto accident, however, when there really isn’t a need to contact your insurer. Filing an insurance claim could lead to a rate increase somewhere down the road.

Going it alone without insurance isn’t right in every circumstance. You should at least exchange insurance information at the accident scene with the other driver, just in case you need to contact them later or decide to file a claim anyway.

Here are some times when it’s worth considering not contacting your insurer:

1. You’re in a minor accident.

If no one is injured and both cars have minor damage, or if it’s only your car that was damaged — such as from backing out of a parking space — then a claim might not have to be filed.

A minor accident in a parking lot where you barely hit another car, for example, could be the right time not to file a claim. But only if the other person doesn’t dispute it and you can pay for the damage yourself, says Spencer Ruyle, a State Farm agent in Jefferson City, Missouri.

Get an estimate from a mechanic for the cost of repairs, and if it’s more than the amount you can afford to pay, then you may want to call your insurer.

A simple rule of thumb to remember after getting an estimate is if the cost is greater than your deductible, you may want to consider using your insurance to pay for it, Ruyle says.

2. You don’t have questions for your agent.

If the accident doesn’t lead you to any questions that you’d have to call your insurance agent to get answers to, then you might be OK by dealing with it yourself.

Remember to not mention this accident to your insurance agent because from an insurer’s perspective, “we should be filing a claim immediately” and are obligated by contract to do so, Ruyle says.

It can lead to a slippery slope if you call for advice because you’re upset after the accident and want answers quickly, he says.

“I’m supposed to file a claim if I hear from them,” and not just give advice, Ruyle says.

3. You’re at fault and have filed a few claims lately.

Avoiding a rate hike is a major reason not to report an accident, especially if you’re at fault and you’ve filed some insurance claims in the last few years.

Having an at-fault accident on your record could lead to higher rates after the next accident, even if it’s minor. Paying to repair that minor damage out of your own pocket could be cheaper than going through your insurance company.

“The more claims you have, the more likely you are for some adverse actions to be taken,” Ruyle says.

If the accident isn’t your fault, you won’t benefit by settling the claim privately. Your rates won’t rise if you make a claim, either through your own insurance or the other driver’s liability coverage.

4. You know the victim.

If you hit a relative’s car or somehow know the other person involved in the accident, it’s a lot easier to settle who pays for the damage than if it’s a stranger. If your cousin is responsible, you’re more likely to accept a private deal than you would with someone you don’t know.

The same goes if you’re at fault. It’s easier to deal with payment privately if you know your friend won’t take advantage of you by asking you to pay for damage that happened previously.

If you get in an accident with a stranger who you somehow find trustworthy, you should still gather their personal and insurance information in case you decide to file a claim later. An insurance claim can be filed within one year of an accident, Ruyle says.

When to file a claim

On the other side of the insurance claim issue, there are times when it’s definitely worthwhile to call your insurance agent and file a claim. Here are four:

1. Major damage.

If either car suffers major damage, it’s an obvious sign to contact your insurer, whether or not you’re at fault. Repairs will likely be expensive, and even if the at-fault driver promises to pay for them out of pocket, you’ll be safer with the assurance of your insurer that you’re covered and they’ll represent you.

If your car is totaled, your insurer can help solve issues that are too complicated for you to deal with alone, such as determining the value of the car.

2. Someone is injured.

Whether it’s you, your passengers, someone in the other car or bystanders, you’re better off calling your insurance company if anyone is injured in a car accident you’re in.

Without it, you risk being sued, not getting all of your medical bills paid, paying for treatment for fake injuries, and other potential hassles.

3. Fault is disputed.

If there is any dispute over who is at fault in the accident, then file an insurance claim, Ruyle recommends. Your insurer will represent you and help determine who was at fault.

“The quicker that you file the claim, the quicker we can be on top of it and the sooner you can be taken care of,” he says.

4. The other driver offers cash or is adamant that you go to their mechanic.

If an at-fault driver throws down cash at an accident scene to pay for your damaged car, it’s probably not a good idea to take it. It’s too early to know the extent of the damages, to yourself or your car, and it can be a clear sign that the other driver doesn’t want their insurance company called.

The same goes if he offers to fix the car himself or insists you take your car to his mechanic. Each driver should choose their own repair shop, or better yet, have their insurance company recommend a mechanic.

 

Aaron Crowe is a freelance journalist who covers the auto industry for CheapCarInsurance.net.

When to Settle a Car Accident Without an Insurer is a post from: Cheap Car Insurance News Blog

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Older travellers paying too much for travel insurance

Older holidaymakers face huge increases in the cost of travel insurance despite claiming less, Which? research has revealed.

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Cash Isa deals of the week 13 May 2015

Which? Money provides our weekly round up of the best deals on the market to help you invest your cash Isa allowance for 2015/2016

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Friday 22 May 2015

Selecting Smart Auto Insurance Premiums

Auto insurance premiums do not have to be incredibly expensive if you know how to choose them. Smart auto insurance purchases provide you with the coverage you need without requiring that you pay for anything you will never use. Only Pay for What you Need Begin shopping for auto insurance premiums based on the legal [...]

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Top Four Van Insurance Coverage Cash Saving Suggestions

Everybody likes to avoid wasting cash, particularly in the current economic situation. Consider it or not, one place you possibly can be saving is on your insurance coverage on your van. Obtaining the appropriate insurance coverage is imperative as it protects you as well as your van against many dangers, not to point out that it is compulsory legally inside the UK. This means that you have to have insurance coverage, but it does not mean it's important to pay a excessive quote. You'll find affordable deals, however it's important to know easy methods to deal with the purchase of your insurance coverage. This is a short look at a few wonderful cash saving tips you should use as you search for a terrific package when insuring your new van.

1 - Spend Time Shopping All around At the beginning, if you wish to save money on your van insurance coverage, you are going to spend some time in buying around. It does not have to take a lot time though. The internet has made comparison purchasing simpler more than ever. All you must do is jump online, visit some comparability websites on the net, fill out a quick form and you may be evaluating rates quickly. Just be certain that you all the time have a look at more than the cost. Obtaining the proper cover can also be important, so evaluate core features and price for the perfect throughout deal for your needs.

2- Lower Your Rates with a Greater Voluntary Excess Another approach though which it can save you and lower your rates is to go along with a better voluntary excess. It's a quite simple rule of thumb to recall. The higher the voluntary excess you choose, lower the premium on the insurance is going to be for you. Merely raising the voluntary excess by several pounds could make a huge difference. Work out precisely what you'll be able to afford to pay as voluntary excess. You should go along with it option to make sure you save much on your van insurance coverage premiums.

3 - Don't Permit Your Insurance coverage to Lapse Don't enable your insurance to lapse if you want to save some money with your van insurance. If you happen to find yourself allowing the policy to lapse, insurance companies are going to take a look at you as a huge risk. They could even assume that you are somebody that's irresponsible. In lots of circumstances you will end up paying more for the insurance coverage you want, if you have left your insurance coverage on the van to expire. Make sure you preserve your policy going, even when you have to go along with a short time period choice, while looking for one of the best long run policy for your needs.

4 - Search for Any type of Attainable Discounts Just remember to look for any potential bargains. Many individuals do not understand how many discounts are available and they never assume to search for them or ask about them. Economizing a little occasionally with reductions can really add as much as a nice financial savings in your policy. There are discounts for buying on-line, discounts for a number of insurance policies, safe driving reductions, discounts for security devices and more.

Ask about discounts available and attempt to get each discount that you simply can get. The more discounts you get, the more you'll spend less on your insurance for van. In a nutshell, these are very effective ways for reducing one's van insurance premium to obtain that elusive cheap van insurance everyone's talking about. There are also great ways to find affordable tool insurance, compare van insurance quote, check and compare 1st central car insurance with van insurance comparison, one day van insurance and many more

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Market Study: Fertilizers - Europe (2nd edition)


Agricultural fertilizing becomes more and more targeted and sparing. Demand for fertilizers rises nonetheless in environmentally friendly Europe, albeit not as dynamically as in the past. "We forecast consumption to increase by, on average, 1.5% per year", says Oliver Kutsch, CEO of Ceresana. The market research institute has scrutinized the European market from top to bottom.

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Thursday 21 May 2015

Is a $26M inheritance enough?

The question of how much to leave to heirs is a sticky one for wealthy parents.

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Flash: Obamacare makes you smarter!

Starbucks springs for employee college tuition now that Obamacare takes care of their health insurance.

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How Auto Insurance Offers Information on Driving Courses

To some, driving is a hassle, but you know that things would be even worse without insurance. Driving securely with the knowledge that your comprehensive auto insurance will cover you in the event of an unforeseeable accident, is crucial, and the policies you take out do more than just guarantee your safety. A car insurance [...]

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Wednesday 20 May 2015

Pharmaceutical Coil Ensure Product Stability & prevent product degradation


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What supermarkets don’t want you to know

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

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

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

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

Changing layouts

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

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

Dynamic pricing

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

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

The eyeline trick

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

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

Dodgy price drops

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

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

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

Does size matter?

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

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

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

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Mobile app review: Bill Keeper

This app organizes your bills all in one place, helping make sure you never miss a payment.

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Tuesday 19 May 2015

Mortgage rates in San Francisco, California

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 the San Francisco Bay area.

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Five Safe and Affordable Cars for Teens

Top 5 Safest and Affordable Cars for Teens

Experts agree that a teen driver should drive the safest, most reliable, and newest vehicle if at all possible. So does this mean that when it comes to your teen’s safety, less expensive or used vehicles are out of the question? No, but not surprisingly, you will need to do some research in order to find a budget-friendly vehicle with all or most of the now Federally-required safety features found in new vehicles.

Some important things to consider when purchasing a car for a teen driver include:

  • Midsize cars are big enough to protect the driver and passengers in the event of a crash, but small enough for teen drivers to handle easily.
  • A four-cylinder engine, as opposed to a V6 engine, has limited acceleration capabilities, making it far less likely for your teen to drive beyond the speed limit.
  • Older, used cars may not have the latest safety features Federal law requires of all new vehicles. However, many can come close. Highly recommended safety features include front and side air bags, an antilock braking system (ABS), automatic transmission, electronic stability control (ESC), and daytime running lights.
  • The National Highway Traffic Safety Administration (NHTSA) conducts crash tests on new vehicles and reports their performance on its safercar.gov website. The Insurance Institute for Highway Safety conducts its own testing program and issues safety ratings as well. Both are good resources to check when shopping for a car for your teen.

The five cars listed below are recommended by either Consumer Reports or Edmonds for their affordability and safety features particularly suited to teen drivers. Upon further research, you may find an even lower-priced vehicle, so consider the list below a place to begin shopping for your teen.

  1. 2005 Saab 9-3 Linear: The mid-sized, relatively inexpensive 2005 Saab 9-3 features plenty of passenger room and trunk space. Safety features include stability control and front and side airbags. Teenagers might not be thrilled with its unexciting interior and weak sound system, but may come to appreciate that this is a car designed to keep its driver and passengers safe.
  2. 2009 Honda Accord Sedan: All Accords come with antilock brakes, stability and traction control, and front and side airbags. The 2009 Honda Accord sedan received five starts in government crash tests and currently has one of the highest resale values around.
  3. 2010 Chevrolet Malibu: Yep, you guessed it, it’s another sedan (do you sense a pattern here?). The fuel-efficient 2010 Chevrolet boasts high crash test scores, including a perfect five stars in all government frontal and side crash categories. Standard safety features include antilock brakes, stability and traction control, front and side airbags, and the OnStar emergency communications system.
  4. 2008 Saturn Aura XE: The attractively-designed and budget-friendly 2008 Saturn Aura includes stability control for all V6 models. Additional safety features include antilock disc brakes, front and side airbags, traction control, and the OnStar emergency communications system.
  5. 2013 Chevrolet Malibu: Newest and priciest on our list of safe, budget-friendly cars for teens, the fully redesigned 2013 Chevrolet Malibu is a stylish, mid-sized sedan with a full complement of standard safety features. Rear side airbags will be standard on all Malibus beginning in the summer of 2013. Interestingly, the 2013 Chevy Malibu was worked on by a team of engineers who also happened to be moms!

The post Five Safe and Affordable Cars for Teens appeared first on CarInsurance.org.

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HSBC launches 1.99% five year fixed-rate mortgage

Mortgage lenders have continued to slash interest rates on fixed-rate mortgage deals. Last week HSBC launched the lowest ever five year fixed-rate mortgage.

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Monday 18 May 2015

The best and worst PIN numbers

Do you have one of the most predictable PIN numbers in the world? If so, your cash could be at risk.

I’m going to try to guess your PIN number… is it 1234? According to new research, there is a pretty good chance I’m right. If I were a criminal who had stolen your card, I could be emptying your account right now.

Shockingly, research by technology consultancy Data Genetics has found that almost 11% of the population chooses this number – with 1111 and 0000 being the second and third most popular options.

Not surprisingly, fraudsters have a pretty easy time cracking such predictable codes and the data reveals that it is possible to guess 10% of PINs in just one attempt.

In contrast, the random (and far less memorable) collection of numbers 8068 is the least common PIN – though there’s a pretty good chance that will change now this research has been published.

In order to conduct the research, Data Genetics looked at the details of 3.4 million four-digit passwords that have been leaked via security breaches.

Although these codes are computer passwords, the study assumes that most people will use a similar set of numbers for their PINs.

Here are the 10 most common choices according to the data:

1. 1234

2. 1111

3. 0000

4. 1212

5. 7777

6. 1004

7. 2000

8. 4444

9. 2222

10. 6969

Source: Data Genetics

The least common PINs

Of course, not every PIN is so easy to guess. If there is no obvious pattern, it stands to reason that it will be more difficult to guess.

Here are the 10 least common:

1. 8068

2. 8093

3. 9629

4. 6835

5. 7637

6. 0738

7. 8398

8. 6793

9. 9480

10. 8957

Source: Data Genetics

How we choose our PIN

Many people appear to opt for significant dates such as birthdays and anniversaries as codes beginning with the numbers 19 feature highly in the list.

Fans of George Orwell don’t appear overly concerned that Big Brother will guess their PIN – 1984 is the 26th most common choice. Likewise, fans of James Bond could possibly be using their PIN as a way to pay homage to their hero as 0007 is the 23rd most popular choice.

Keeping your PIN safe

Fortunately there are a number of things you can do to keep your PIN safe.

Avoid the obvious:

As well as the codes mentioned on the list above, stay clear of having your date of birth, your children’s birthdays or a wedding anniversary.

In fact, try to keep it random – even the most scatterbrained individual can probably remember four numbers.

Keep it secret

Although you might be tempted to share your PIN with friends or family, this could leave you thousands of pounds out of pocket. If you were the victim of fraud and your bank discovered you had shared your PIN details, it might refuse to refund your money.

Take care at the cash machine

In order to steal PIN details, fraudsters place hidden devices and cameras in ATMs. Although these can be almost impossible to detect, it’s wise to avoid any cash point that appears to have been damaged or vandalised.

Remember, a bank will never ask for details of your PIN number over the phone. If someone calls claiming to be from your bank and asks for this information, you’re probably speaking to a fraudster.

For more articles like this, check out How you’re putting your cash at risk and Is your bank password a hacker’s dream?

**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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More people delay Social Security

Fewer people are claiming Social Security at age 62, according to a new analysis.

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Mortgage rates in Atlanta, Georgia

See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.

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Sunday 17 May 2015

Should Elderly Drivers Have Their Licenses Slowly Taken Away?

By Aaron Crowe

Just as graduated driver licensing keeps teens safe by not allowing them to drive late at night and earn driving privileges gradually, would it also work for elderly drivers?

Elderly people drive a lot less than teenage drivers do. Still, per mile traveled, fatal crash rates increase at age 75 and increase notably after age 80, according to the Centers for Disease Control and Prevention. These deaths are largely due to increased susceptibility to injury and medical complications among older drivers, rather than an increased tendency to get into crashes, according to the CDC.

Would taking away an elderly driver’s driving privileges gradually lessen the amount of crashes they get into? Will not allowing them to drive at night, for example, when it can be more difficult to see the road, result in fewer accidents by elderly drivers? Or a mandated annual driving test?

The good news is that elderly drivers often self regulate their driving habits. Older drivers tend to limit their driving during bad weather and at night, and drive fewer miles than younger drivers, the CDC says.

Driving is a privilege

One basic argument against gradually taking away an elderly driver’s license is that driving is an earned privilege, and “once a test is passed, not a good idea to second guess it,” says Bonnie Russell, who writes about retirement in California.

But state Departments of Motor Vehicles have the authority to determine if someone can drive safely, and can retest them as they deem necessary. The National Highway Traffic Safety Administration, or NHTSA, recommends states require elderly drivers renew their licenses in person, says Susan Cohen, founder of Americans For Older Driver Safety, or AFODS.

The requirement could stop some unsafe drivers from coming in for their license renewal, and could help eliminate elderly drivers who are too impaired to drive.

“We want older adults to stay on the road as long as they’re safe,” Cohen says.

Another thing to keep in mind when considering taking away an older driver’s license to drive in stages is that two 80-year-olds can have different driving abilities, she says. You can’t judge someone’s driving ability by age alone. “We each age very differently from another,” she says.

Russell says she’s seen drivers well past age 80 who are safe drivers. “My dad is 92 and still driving without a problem,” she says, “and his neighbor just got his license renewed for three years — when he’s 103.”

License renewal laws for older drivers vary by state, with 28 states and the District of Columbia having provisions for older drivers, according to AFODS. Several require in-person renewal and a shorter renewal period for older drivers.

Illinois, for example, sets the standard renewal at four years, but increases it to every two years at age 81 and annually at 87 years old. Iowa requires a renewal every two years beginning at age 70, and at five years for younger drivers.

Screening supported by motorist group

The National Motorists Association, an advocacy group for drivers, “doesn’t support putting age-based restrictions on driving since they would be arbitrary and end up penalizing many responsible drivers,” says NMA spokesman John Bowman. “Extending driving privileges to anyone, whatever their age, should be based on their demonstrated ability to drive safely and responsibly.”

The NMA recommends screening criteria to ensure that older drivers meet basic safe driving requirements, Bowman says:

A license holder of any age with a combination of three separate at-fault accidents or three separate traffic violations, or a combination of the two over six months would be required to attend an evaluation session, followed by a comprehensive test.

Licensing agencies could be petitioned to do an evaluation of a license holder based on first-hand knowledge of family members, law enforcement, or the courts. A driver who loses their license could appeal.

If the evaluation finds significantly diminished physical or cognitive abilities, the agency would revoke the driver’s license.

If a pattern of bad judgment, bad luck or a short-term emotional disruption such as a divorce or death in the family, the license holder would be channeled back to the conventional system that deals with accidents and violations, the NMA recommends.

What to look for

Taking away the keys from an elderly driver isn’t easy, but there are certain signs that family members, the DMV or medical professionals can look for.

Declined vision and hearing, reduced flexibility and being unable to turn their head to check blind spots, delayed reaction time and cognitive abilities to reason and remember are some elderly driver attributes that should be checked regularly.

Cognition, for example, declines for people in their 80s on financial decision making, according to a study by the Center for Retirement Research at Boston College, though their confidence in their ability doesn’t waver.

The ability to scan their environment while driving and anticipate what happens next drops as people age, Cohen says, and they may only focus on what’s in front of them. The ability to process information quickly — a cognitive ability — drops in old age, she says.

“A lot of these changes with aging happen so gradually that people don’t even realize they’re changing,” Cohen says.

What older drivers can do

The good news is that crash rates for drivers 70 and older are falling, which has been attributed to safer vehicles and healthier seniors who are better able to survive crashes.

Older drivers are better at self regulating, meaning they’re aware of their impairments and may not drive at night if they have impaired vision, or stay off the roads during commute hours. Older drivers are less likely to drink and drive than other adult drivers, according to the CDC.

The CDC recommends older drivers:

  • Exercise regularly to increase strength and flexibility.
  • Have their medicines reviewed by their doctor or pharmacist to reduce side effects and interactions.
  • Have annual eye exams and wear glasses as required.
  • Drive during daylight and in good weather.
  • Find the safest route with well-lit streets, intersections with left turn arrows, and easy parking.
  • Leave a large distance from the car in front of you.
  • Avoid distractions such as listening to a loud radio, talking on the phone, texting, and eating while driving.
  • Consider alternatives such as riding with a friend or using public transit.

In general, auto insurance rates start to increase after age 70 because the cost to insure seniors is greater due to impaired vision, physical ability and other attributes, says, Chrissy Nigro of Nigro Insurance Agency in Philadelphia.

Things seniors can do to keep their auto insurance rates down, Nigro says, include taking a defensive driving course, exploring different carriers such as Hartford that offer discounts for seniors, changing the primary driver on their insurance policy if that child does the majority of the driving for them, and maintain a clean driving record.

Aaron Crowe is a journalist who covers the auto industry for CheapCarInsurance.net.

Should Elderly Drivers Have Their Licenses Slowly Taken Away? is a post from: Cheap Car Insurance News Blog

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Google launches cheap wireless service

Google plans start at as little as $20 per month with all the standard bells and whistles. But the pricing isn't what's revolutionary.

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5 Stunning Growth Stocks To Boost Your ISA: Standard Life Plc, Glencore PLC, Anglo American plc, Persimmon plc And Legal & General Group Plc

These 5 stocks could be all set for stellar returns: Standard Life Plc (LON: SL), Glencore PLC (LON: GLEN), Anglo American plc (LON: AAL), Persimmon plc (LON: PSN) and Legal & General Group Plc (LON: LGEN)...

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Wednesday 13 May 2015

St James’s Place Wealth Management Hosts Capital Markets Briefing

LONDON--(BUSINESSWIRE)-- St. James’s Place plc St James’s Place Wealth Management hosts Capital Markets Briefing St James’s Place plc (“SJP”), the wealth management group, is today hosting a Capital Markets ...

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BUZZ-UK election plays set for best day this year

** Financials, utilities and housebuilders all set for solid gains according to broker indications following the ruling Conservative Party's strong showing at the polls ** Set to be best day for a number ...

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Video: Your job is your most important investment

Your job -- and specifically, your earning power -- is the greatest investment you have because it allows you to make investments, says Jean Chatzky.

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Monday 11 May 2015

Sunday 10 May 2015

Deadly Driving: A Look At Teen Drivers

If you’re seeking a car insurance plan, there are many, many factors that get taken into account, particularly if you have a family with kids in it—kids who will one day likely be sitting behind the wheel of your family car. Getting your teen started down the road with a learner’s permit can be one of the most nerve-wracking experiences in your entire adult life. Most teens are ready and eager to hit the open road, but there’s a lot of consideration that needs to go into making sure your teen is safe and insured properly for any circumstance that may arise. Teenagers and younger drivers are hands-down the most accident prone demographic on the road: They crash more, seem to think less, and tend to engage in more risky behaviors, like drinking and driving or texting while behind the wheel. You want your teen to be safe, and you also want them to be taken care of by your insurance plan. If you’re curious about the proper way to be sure your teen is well cared for by your insurance plan, check out this handy guide to the best insurance for your young driver. Every parent’s ultimate desire is for their teen to stay safe, but the odds of your 16-year-old getting into a fender bender are too high to not make entirely sure that your insurance policy is reliable and effective for any situation. Whether you’re the parent of a soon-to-be-driving teen yourself or you simply want to be more aware of those young folk you share the road with, the following infographic takes an in-depth look at some of the dangers that are present among teen drivers today.

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Smoking in Cars with Children Called Child Abuse

By Aaron Crowe

For nonsmokers driving with a smoker, slightly cracking open a window to let the smoke out isn’t enough to prevent them from breathing secondhand smoke, according to nonsmoker advocates. It certainly isn’t enough to protect children, they say.

In an effort to protect children from secondhand smoke, the city of Tempe, Ariz., is considering fining drivers who smoke with a child in the vehicle. Police wouldn’t be allowed to stop someone solely for smoking, but if a driver is pulled over for another reason, such as speeding, then they could be cited if they’re smoking and a child is in the car.

If the proposal becomes law, it would be the first in Arizona. Seven states have laws that prohibit smoking with kids in cars: Arkansas, California, Louisiana, Maine, Oregon, Utah, Vermont, along with Puerto Rico. Cities and counties in five other states also have similar laws. Nevada, Illinois and Connecticut are considering similar legislation.

Some laws apply to children under age 8, while others are for smoking in a car with anyone younger than 18. Oregon has some of the stiffest penalties, with a $250 fine for a first offense and $500 for others.

Smoking in a car exposes people “to toxic air that is many times higher than what the EPA considers hazardous air quality, even when a window is down,” according to the group Americans for Nonsmokers’ Rights. The U.S. Surgeon General says there is no safe level of exposure to secondhand smoke.

More Areas Consider Banning Smoking in Cars With Kids

Banning smoking with children in cars is a “no-brainer,” says Dr. Mary Ann Block, a doctor in Hurst, Texas.

“Smoking in a car where a child is present is child abuse,” Block says. “The dangers of side stream smoke are well known, causing the same serious and life threatening health issues that first line smoking cause,” including cardiovascular disease and cancer.

“An innocent child has no control over this exposure unless someone steps in and makes it illegal,” she says.

VJ Slight, a former smoker and author of “How to Win at Quitting Smoking,” agrees that smoking in a car with children equates to child abuse, but says the secondhand smoke exhaled by the smoker isn’t the main problem, it’s the side-stream smoke that comes off the tip of the cigarette.

“The smoke is formed at a lower temperature, which causes more cancer-causing chemicals to be created versus the smoke that is inhaled by the smoker,” Sleight says.

When the smoker inhales, the smoke is taken in at a higher temperature because oxygen is being pulled through it and it’s then filtered by the cigarette filter and the smoker’s body, she says.

“Children are more affected by smoke because they are still developing,” Sleight says. “Children exposed to side-stream smoke are more prone to ear and respiratory infections including pneumonia and bronchitis, wheezing and coughing, (which) triggers asthma attacks, and for infants they can be at risk for sudden infant death syndrome.”

A Bigger Goal

The bigger issue with these bans and proposed laws is that they’re meant to drive smokers underground more while giving them fewer places to legally smoke, ultimately leading to preventing people from smoking in their homes, says Theodore King, the Oklahoma state coordinator for the Citizens Freedom Alliance, a smokers’ rights group.

“It’s tyranny,” says King, author of “The War on Smokers and The Rise of The Nanny State.”

“If they want to pull you over with your kid in your car, they will safely assume that the kid is in your house and that you probably smoke in your house,” he says.

One of the ultimate goals behind these laws is to collect a smoker’s name and address, and later send a representative from Child Protective Services to the home and determine that the home isn’t safe for the child to live in, King says.

“Basically, it’s trying to get into your house,” he says.

Smokers have fewer and fewer places where they can smoke legally, King says. Public parks, beaches, courthouses, and outside patios at bars and restaurants ban smoking in some cities. The University of Kentucky bans smoking on its campus.

Even in Arizona, where a hot summer day can cause a smoking driver to blast the air conditioning and not roll down a window, secondhand smoke is something that King, 46, and others lived with as children, he says.

“This thing is not the monster that people make it out to be,” King says.

 

Aaron Crowe is a journalist who covers the auto industry for CheapCarInsurance.net.

Smoking in Cars with Children Called Child Abuse is a post from: Cheap Car Insurance News Blog

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Why Car Insurance May Be Cheaper After A Move

Everyone who drives a car is looking for cheaper car insurance, and a company that is more effective when it comes to dealing with accidents and claims. Auto insurance rates are a source of great frustration to Americans, many of who feel like they have done everything in their power to make themselves attractive to [...]

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Friday 8 May 2015

Finding The Best Auto Insurance For Seniors Over 65

Auto insurance for senior citizens is the product of a gradually growing number of drivers over 65 and the increasing amount of competition for business by insurance companies. Seniors have extensive driving histories that insurers can use to determine what kind of risk they might be taking by offering seniors’ auto insurance policies. Seniors with [...]

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BUZZ-UK election plays set for best day this year

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New Minimum Coverage Requirements in Ohio

It is illegal to drive any motor vehicle in Ohio without insurance or other proof of financial responsibility. To comply with Ohio’s financial responsibility requirements, individuals must maintain insurance or get a bond.  If your driver’s license has been suspended and you are required to file an SR-22 in OH, a new law could make it more expensive to get your license back. An SR-22 shows the Bureau of Motor Vehicles (BMV) that you have at least the state minimum coverage for liability insurance. Most insurance companies file the SR22 with the BMV electronically. The required minimum for Bodily Injury Liability Coverage in Ohio is currently $12,500 per person injured in any one accident and $25,000 for all persons injured in any one accident.  The required minimum for Property Damage Liability Coverage is $7,500 for injury to or destruction of property of others in any one accident. By December 22, 2013, new law raises the minimum limits to $25,000 per person injured in any one accident with a $50,000.00 maximum for all persons injured in any one accident. The minimum Property Damage Coverage will be $25,000 for property of others.  The law requires companies to begin issuing policies with these new limits for new and renewal business no later than December 22, 2013. Failure to keep your car insurance policy active when you have an SR-22 is a serious problem. If your policy has a lapse in coverage due to failure to make the payment, or for any other reason, will cause the SR-22 filing period to start over from the beginning. This could mean a minimum of another three years having the SR-22 filed with your insurance policy.   Source: http://www.insurance.ohio.gov

The post New Minimum Coverage Requirements in Ohio appeared first on SR22 Insurance.

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Thursday 7 May 2015

What supermarkets don’t want you to know

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

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

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

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

Changing layouts

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

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

Dynamic pricing

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

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

The eyeline trick

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

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

Dodgy price drops

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

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

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

Does size matter?

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

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

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

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