Cheap Van insurance Tips And Tricks: January 2013

Thursday, 31 January 2013

Cellphones create driving dangers

Drivers who use cellphones in their cars are more likely to engage in other risky driving behaviors.

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Money market account and rates in Green Bay, Wisconsin

The Fed is keeping a hold on rates until the unemployment rate drops to at least 6.5 percent. That's keeping the average money market account rate right around 0.12 percent. But there are some institutions offering better-than-average deals. Use our research to find a money market account and rates in Green Bay, WI.
Looking for the

Joint life insurance: Policies built for 2

A joint life insurance policy can cover a couple more smartly than a pair of individual plans.

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Wednesday, 30 January 2013

Saving Money On Your Temporary Van Insurance Premium

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

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

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

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

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

Suitable for Short Breaks and Vacations with Family Members

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

Quick and Easily Obtainable

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

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The Best And Worst Songs To Drive To

By Aaron Crowe

Nothing gets your heart pumping like a good song. The lyrics to a Bruce Springsteen song or the pop song of the month might stay in your head all day, but the joy of listening to a fun song in the car can be expressed while you’re driving.

That could be good — making a long drive more enjoyable — or it could give you a lead foot and a speeding ticket.

Researchers in the United Kingdom found that certain songs, and certain types of songs, resulted in more accidents, and others gave drivers more concentration to be focused on the road.

The survey points out that the “golden oldies” were the most popular driving songs, and that types of music thought to have a relaxing effect on the listener didn’t lead to a more tempered driving style.

Blues fans were found to be the most likely to be caught speeding, followed by listeners to country, reggae, rap and hip hop, classical, and easy listening music.

Country music listeners were most likely to have an accident, followed by classical, easy listening, reggae, blues, and rock and pop.

Drivers who listened to talk-radio or nothing were found to be more focused on the road, with only 22% admitted to having a minor accident, compared to 78% of drivers who listen to music.

Everyone has their favorite songs to drive to, and what may lead to speeding for one person may calm another to drive slowly.

Former traffic school teacher Walter Meyer remembers hearing often the excuse from young drivers that “this really great song came on the radio and I sort of lost track of things and suddenly I was speeding,” Meyer wrote in an email.

But one of his elderly students had an interesting excuse: “It wasn’t my fault, it was Glenn Miller’s.” The song “American Patrol” came on the radio, and having grown up a Big Band fan, she couldn’t resist driving fast to the peppy song.

Meyer’s advice to his students who insisted on driving when drowsy was to avoid familiar music or music they liked that could easily lull them to sleep. He suggested listening to music they don’t know — such as rap or country — to keep them more alert and not allow them to get lost in a song they don’t know.

Music tastes are subjective, but we wanted to offer our own suggestions — with some help from music fans — for the best and worst songs to drive to. We don’t have any proof that they’ll lead to fewer accidents or speeding tickets, but they’re worth considering to either keep in the car turn them off if they come on the radio.

10 best songs to drive to

1. “Born to Run” by Bruce Springsteen. The entire album is great, and all of the songs are great to drive to, but “Born to Run” is fun to sing to and drive fast. Just don’t get caught.

2. “Should I Stay or Should I Go” by The Clash. Yes, go, but don’t drive too fast.

3. “Radar Love” by Golden Earring. Suggested by Ann Marie van den Hurk, a public relations executive, this song has a beat that catches you from the start and may give you a reason to look out for radar detectors.

4. “Beat It” by Michael Jackson. Music blog writer Fred Goodall surveyed his readers and found that this upbeat song was their favorite.

5. “Just What I Needed” by The Cars. Another song that’s easy to sing to. Jennifer Vanderslice, who suggested this song, remembers driving when she was 17 to this hit song and getting a heavy foot. She drove too fast around a curve and had to swerve to avoid hitting a car, but the rear of her car slammed into a mud hill on the other side of the road. A good memory, though her accident is a reminder to not hit the gas when a good song comes on the radio.

6. “Pump It Up” by Elvis Costello. It has nothing to do with pumping gas, but this peppy song puts Jennifer Towner, who suggested it, in a good mood while driving.

7. “25 Miles” by Edwin Starr. It’s a song about a man walking 25 miles to see his lady, but it’s still a good song about being on the road and watching the miles tick away, says fan April Whitney, an entertainment publicist at Chronicle Books.

8. “Wheel In The Sky” by Journey. Any of this band’s greatest hits are good to drive to if they’re upbeat with rolling beats, suggests John Noland, who sells car accessories.

9. “Girls Lie Too” by Terri Clark. Many country songs are good to sing to, but this one hits the spot.

10. “Movin’ Right Along,” sung by Kermit and Fozzie. This song from the first Muppet movie, as suggested by Dave Waldman, is a fun one to get the kids singing along during a road trip.

10 worst songs to drive to

1. “Highway to Hell” by AC/DC. Another song suggested by Goodall in his informal survey of readers. The reasons should be self-explanatory.

2. “I Can’t Drive 55” by Sammy Haggar. Another self-explanatory song that could lead to driving too fast and may not help your case if a police officer pulls you over for speeding.

3. “Pour Some Sugar on Me” by Def Leppard. The song is popular in strip clubs, but it’s not safe in the car “due to the extreme urge to throw your hair all over the place any gyrate,” says Sharon Rosenblatt. Lesson: Don’t headbang in a car.

4. “Summer In The City” by The Lovin’ Spoonful. It’s a great song, says Steve Silberberg, but any song with car horns blowing or ambulance noises is bad because drivers can mistake it for the real thing.

5. “Bat Out Of Hell” by Meat Loaf. This was the top song in the UK study cited above that led to blues music listeners to get speeding tickets.

6. “Born To Be Wild” by Steppenwolf. It’s a great song, no doubt, but it’s so good and catchy that it could lead to fast driving and accidents.

7. “Don’t Stop Me Now” by Queen. An excellent song but a title you don’t want to explain to an officer if you’re stopped for speeding.

8. “Beethoven’s 5th Symphony.” Classical music was cited in the UK survey as leading to minor accidents. Could it be because fans were cranking the sound so hard and driving so fast to this song that they weren’t paying attention to the road?

9. “One Piece at a Time” by Johnny Cash. You can’t beat Johnny Cash for great country music. But remember that in the UK study, country music was high in leading to accidents and speeding. This song is about a man who stole a car one piece at a time from the GM plant he worked at. Be careful not to let your singing along lead to carelessness.

10. “Are You Gonna Go My Way” by Lenny Kravitz. A strong beat that may be a little too strong for potential speeders.

That’s our list. What’s yours?

Aaron Crowe is a freelance journalist in the San Francisco Bay Area who writes for CheapCarInsurance.net.

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Lloyd's plans for Euro collapse

Market prepared to take writedowns if single currency collapses

Tuesday, 29 January 2013

Sitting Your Kids Below The Ages Of 2 Within A Rear Facing Position Is Notably Less compromising In comparison with Any Other Sitting Position Claims The United states School For Pediatrics

This innovative discoveries by the American Academy of Pediatrics (AAP) will surprise most parents / guardians in to altering their unconventional practices of safeguarding their infants inside vehicles.

Enclosed inside a new policy released in the issue of April 2011 of Pediatric medicine, fathers and mothers are advised to keep their children within a rear-facing infant car seat up till the age of two or better still when they have gotten to the required height and also body weight for their specified seat. Also, the AAP also reminded parents about the basic requirement for their children to use booster seats that seat belt positioned until the height of 4' and 9" in height as well as reaching the ages of 8-12 years of age.

A previous policy published in 2002 also advised that it is much safer for toddlers and infants to be placed in a rear facing up position up to the limits of the car seat, also indicating age 12 months and 20 pounds as absolute minimum. Noticeably, a huge percentage of parents were observed changing their child's car seat position to a front facing one from rear-faced position upon their babies turning one.

"Transition from one stage to another often gets parents excited, but these transitions must generally be delayed until they are absolutely necessary, as the child fully develop and outgrows the restrictions for his or her present stage," said Dennis Dubin, MD, FAAP, leader and author of the policy statement as well as the accompanying technical report.

"A rear-facing child safety seat does a better job of supporting the head, neck and spine of infants and toddlers in a crash, because it distributes the force of the collision over the entire body," dr durbin said. "with larger kids, a harness fitted forward facing seat is a lot safer than booster seats, and a belt positioning booster seat gives the most protection possible than just a seat belt alone until the seat belt can work correctly."

While the rate of deaths in motor vehicle crashes in children under age 16 has decreased substantially, dropping 45 percent between 1997 and 2009, it is still the leading cause of death for children ages 4 and older. Totalling children and teenagers up to the ages of 21 years, over 5,000 deaths are recorded each year. The amount of casualties can be alarming: for every fatality, approximately 18 children get admitted in hospital while more than four hundred are seriously injured enough to need medical assistance.

Results from research made have uncovered the truth that kids are safer in rear-facing car seats. The 2007 journal injury prevention study unveiled that children within the ages of 2 yr were 75% less likely to be killed or obtain very severe injuries in the event of a crash if they are sat in a rear facing manner.

The age 2 recommendation is not a deadline, but rather a guideline to help parents decide when to make the transition, Dr. Durbin said. Smaller children will benefit from remaining rear-facing longer, while other children may reach the maximum height or weight before 2 years of age.

Children must be transitioned from a rear facing car seat to a forward facing car seat that comes with harness for optimal safety, this should continue until they reach the required height and weight. Then a booster will make sure the vehicle's lap-and-shoulder belt fit properly. The correct positioning of the seat belt should be for it to lie across in between the shoulder and the chest rather than laying across the face or the neck- as this can be dangerous in the event of an accident .

While the lap belt on the other hand must fit low and snug on the upper thighs and hips instead of the belly. A number kids will most definitely require a booster seat until they've grown till four feet and nine inches tall as well as being 8 to 12 years of age.

Children should ride in a http://www.primoeurobath.com/booster-seat.html or an http://www.primoeurobath.com/infant-car-seat.html in the rear of a vehicle until they are 13 years old.

An appropriate age and size restraints are still needed for children under the ages of 2 years to ride on the laps of an adult even though the Federal Aviation Authority permits kids to ride on adult's laps.

Just to recap, whatsoever method of transportation, children must be secured or restrained adequately to avoid severe injuries should an accident occur, whether by air, sea or land kids should always be retrained properly, Dr Durbin said. http://www.primoeurobath.com/, http://www.primoeurobath.com/baby-strollers.html, http://www.primoeurobath.com/baby-monitor.html and safe http://www.primoeurobath.com/baby-swings.html are a few of the most valuable baby products recommended for kids safety in their everyday life.

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First Post!

Start blogging by creating a new post. You can edit or delete me by clicking under the comments. You can also customize your sidebar by dragging in elements from the top bar.

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FTSE 250 movers: Shanks tops risers after recycling success

Leading the way higher was waste management firm Shanks after saying that the Silverburn Shopping Centre in Glasgow is no longer sending any of its waste to landfill since appointing Shanks to handle its …

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Monday, 28 January 2013

Weatherwatch: In need of protection?

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Hot Car Deals, 03 August 2012

Which? Hot Car Deals: Three great discounts on the Ford Fiesta, including Zetec and Econetic models.

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Video: State of the market - UKGI in 2012

Insurance Times asks what insurers can expect in 2012

Sunday, 27 January 2013

Consumer Caution

Here at Autonet Insurance, we are always looking for ways to help our customers. That’s why we have put together our ‘Consumer Caution’ web page with some handy hints and tips for you to look through before you make your decision when buying a used vehicle.

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Bill of rights for mortgage borrowers

The CFPB says it will be vigilant about enforcing the rules on mortgage servicers. But will the rules work?

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Can you cut your taxes without itemizing?

Some taxpayers can claim up to a dozen or more deductions right on their 1040 return.

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Saturday, 26 January 2013

What is a Diminished Value Claim?

The information age has brought about an interesting quandary in the area of selling used vehicles previously damaged in an accident. Things like Carfax are now making it possible to track a vehicle’s repair history, making it easier for potential new owners to know what’s under the hood and body before they make a purchase. While this may be good from the standpoint of consumer protection, it’s bad in terms of the resale value of used vehicles.

To understand this principle, just ask yourself a question. If you we’re looking at a 2006 minivan that had sustained front-end damage in a crash, would you be more likely to forgo that vehicle in favor of another one of similar make and model for a similar price? If you’re like most of us you certainly would. The perception of diminished value goes hand-in-hand with cars that have been damaged and accidents — even when the vehicle is repaired to serviceable condition.

In the insurance world the principle of diminished value is a sticky one. Insurance companies obviously don’t want to pay out more in claims than they need to; at the same time they know offering the cheapest car insurance available is not necessarily going to be enough to keep customers happy after accident claims. There needs to be a balancing of profit and customer satisfaction. Diminished value makes achieving that balance a bit more difficult.

Pursuing a Diminished Value Claim

Unless you’re car insurance policy specifically prohibits diminished value claims you do have the right to pursue one with your insurance company. That doesn’t mean they have to honor your claim, but at least you have a shot at it. Depending on how large the difference is between the value of your repaired car and the Blue Book value of your make and model in general, it might even be worth it to hire an attorney. But the difference would have to be at least several thousand dollars to make it worth your while.

To give an example, let’s say an accident caused $5,000 damage to your three-year-old Dodge Durango. Because the Blue Book value of the car is still well over $10,000 your insurance company chooses to repair your vehicle. But then suppose the service writer at your repair garage informs you the truck will lose about $3,000 worth of value simply because it was involved in a crash. If your car insurance company only pays the $5,000 repair bill you have essentially taken a loss because the value of your Durango is now less.

This is a case where you might consider a diminished value claim to recover that $3,000. Whether or not you’re successful depends on your circumstances; circumstances that include the type of policy you have, the insurance company you purchased it from, and how well you can make your case. Rest assured that if you purchased a cheap car insurance policy from a discount broker you’re going to have more trouble with a diminished value claim than you would with a more reputable company.

History on Your Side

No matter how little you paid for affordable car insurance, you do have history on your side when it comes to diminished value claims. Owners of classic cars have been successfully filing such claims for decades. If you study up on the subject, read some articles from industry lawyers, and maybe pick the brains of others who have filed such claims, you can be successful in recovering diminished value in some cases. You can also file a complaint with your state insurance department or seek the services of a certified mediator.

Money market account and rates in Florence, Alabama

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

America’s Greatest Cars: The History of Ford Motors

If you’ve ever owned a Ford, there’s a good chance that it was a car you loved deeply. Fords have long been known for their reliability, durability, and cult-like fan base. If you are a die-hard Ford aficionado, you may or may not be familiar with the company’s history, and how it got to where it is today. Ford’s biggest, longest-lasting contribution to the industry is, firstly, how it revolutionized the manufacturing process, and secondly how it revolutionized employee rights and labor standards. With ingenuity in production coupled with an admirable and fair treatment of employees, Ford used its outstanding business practices to rise to the top of the US auto industry, and they’ve manufactured some well-loved rides as a result. The following infographic takes a trip down Ford memory lane and brings to life some of their greatest accomplishments. Whether you’re a Ford lover, car lover, or you’re more interested in ethical business practices, the history of Ford can offer something for everyone to admire.

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Friday, 25 January 2013

The Rationale behind Car Insurance

It’s probably safe to say that no one reading this article remembers a day when car insurance was not available. If you’re a senior, you may remember a time when it was not mandatory in your state, but the earliest forms of car insurance go back to the late 1800s. It has been a part of all of our lives to one extent or another.

The first car insurance policy on record was written in 1889 to cover the liability of a man named Truman Martin. Mr. Martin owned an early steam powered automobile which, while it was a great invention, was a source of worry in that it could damage property or injure people.

If you want to know the rationale behind mandatory car insurance, that’s it.

Car insurance is a necessity in order to protect us from the carelessness of other people who might cause injury or property damage. If insurance was not mandatory too many people would be at risk of financial devastation after an accident.

How Car Insurance Evolved

The first policies written in the 1800s were pretty much an experiment, given the fact that underwriters really had no idea how much damage a car could cause. Furthermore, so few people had automobiles that accidents between multiple drivers were unheard of. Those early liability policies were more focused on the possibility of damaging buildings, road signs, and pitching posts.

By 1925 there were enough cars in the road to significantly increase the likelihood of multi-vehicle accidents. That forced the insurance industry to reassess cover drivers and effectively deal with the question of personal injuries. That transition paved the way for what is today’s modern car insurance product.

A Policy for Everyone

Whether or not you agree with the compulsory insurance laws in your state, it can’t be denied that healthy competition among car insurance companies has resulted in a wide range of policies and options. As such, there is a policy out there for just about every driver and every need. That’s a far cry from the “one size fits all” policies of the 1920s.

You and I can shop for the cheapest car insurance possible, purchase a comprehensive policy that will cover everything under the sun, or settle on something in between. We can choose between liability limits, different deductibles, and whether or not we want to add items from a long menu of options. In other words, we have enough options to make car insurance accessible and affordable for everyone.

Next time you’re shopping for a new insurance policy remember the rationale behind it. That may not make things any more pleasant in terms of the shopping experience itself, but understanding why car insurance is necessary may take some of the edge off. And, though we sincerely hope it never happens, you’ll get a full appreciation of the rationale behind car insurance if there ever comes a time when you need to make a claim against someone else’s liability policy.

Supertrucks at Commercial Vehicle Show 2012

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

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

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

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

Palestra do ovo ao et

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Thursday, 24 January 2013

Techniques For Acquiring That Hard-to-find Cheap Van Insurance Quotes For Your Small Business

Everyone likes to save some money, especially in the current economic circumstance. Consider it or not, an important area you could be cutting down is on your insurance to your van. Getting the right insurance is imperative and it protects you and your vehicle against a lot dangers, not to mention that it’s imperative legally within the UK. – http://www.cheapestvaninsurance.org/

Which means you must have insurance coverage, but it does not mean it’s a must to pay off a excessive quote. Yow will discover cheap offers, however you must know how to accomplish buying your insurance. Here’s a look at some excellent money saving ideas you should utilize as you search for an awesome deal when protecting your newly purchased van.

A – Invest Some Time Shopping All-around In the beginning, if you wish to lower your expenses in your van insurance coverage, you are going to spend some time in buying around. It does not need to take a lot time though. Typically the web has made comparison buying simpler than ever. All it’s a must to do is bounce online, visit some comparison sites on the internet, fill out a fast form and you’ll be evaluating rates instantly. Simply be certain that you at all times have a look at more than the price. Finding the proper cover can be necessary, so evaluate core features and price for the most effective all around bargain for your needs.

B- Decrease Your Charges with a Larger Voluntary Excess Another way though which you can save and lower your charges is to go along with a higher voluntary excess. It’s a very simple rule of thumb to bear in mind. The bigger your voluntary excess you select, lower the amount on the insurance coverage is going to be to suit your needs. Simply maximizing the main voluntary excess simply by a few pounds could make a huge impact. Work out just what you can afford to pay as voluntary excess. Therefore go with it option to make sure you save on your van insurance coverage premiums.

C – Don’t Permit Your Insurance to Lapse Do not permit your insurance to lapse if you wish to avoid wasting money with your van insurance. In case you wind up allowing the coverage to lapse, insurance companies are going to take a look at you as a huge risk. They could even suppose that you are somebody that is irresponsible. In lots of cases you’ll end up paying out more for the insurance you need, in case you have left your insurance on the van to lapse. Make sure you preserve your policy going, even when you have to go along with a brief time period choice, while in search of the perfect long term coverage for your needs.

D – Look for Any Possible Discounts Make sure that you search for any possible deals. Many individuals do not understand what number of reductions are available and they never assume to look for them or ask about them. Saving a little occasionally with discounts can really add as much as a nice financial savings in your policy. You can find reductions for purchasing on-line, discounts for a number of insurance policies, secure driving discounts, discounts for safety devices and more.

Ask about discounts available and try to get each discount that you simply can get. The extra discounts you get, the extra you will spend less on your van insurance policy. In concluding, you can easily obtain cheap van insurance, low cost van insurance quote, tool insurance, cheap quotes from 1st central car insurance as well as Autonet van insurance by doing adequate and quality van insurance comparison when searching for van insurance.

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Using Your Van Short Term? Then You Need A Temporary Van Insurance Cover

While many people need cheap van insurance (

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Techniques For Acquiring That Hard-to-find Cheap Van Insurance Quotes For Your Small Business

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Wednesday, 23 January 2013

Hot Car Deals – Mazda 2

Which? Car Deals: The Mazda 2 is a finely packaged, fun-to-drive supermini with a price tag almost as eye-catching as its well-proportioned bodywork.

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INFLATION REMAINING AT 2.7% IS DAMAGING ECONOMIC GROWTH

â€¢ Food prices have increased again this month having a negative effect on older people and those on lower incomesâ€¢ Older generations inflation higher than national average as they cut back on spending

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Tuesday, 22 January 2013

He aquÃ, herencia de jehovÃ¡ son

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Video: State of the market - UKGI in 2012

Insurance Times asks what insurers can expect in 2012

Cat beats pro stock pickers

In a competition against professional stock pickers and students, Orlando the cat handily won with his stock picks in 2012.

Monday, 21 January 2013

BoJ expected to usher in fresh easing measures

A bank teller is pictured on September 22, 2010 counting yen notes in Tokyo. The yen has been in a steep decline as markets bet the Bank of Japan will inflate its 101 trillion yen asset-buying programme....

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Take out a short-term loan from your IRA

You can lend yourself money from your retirement account, but there are limits.

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All You Need To Know About Car Insurance

Nature of vehicle insurance

No doubt the mention of "car insurance premi (Read more ...)

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Sunday, 20 January 2013

Retirement planning in Bend, Oregon

Be proactive and strive to attain the best when retirement planning in Bend, OR, by utilizing the tools, calculators and guides at our site where you will find indispensable resources to succeed. If you're searching for a low-risk investment with a better yield than your savings, consider a money market account for retirement planning. Let us guarantee your retirement planning

Historic bell stolen from arts site

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

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Films inspire Brits 2013 holiday destination choices

At some point many of us will have longed to visit the exotic destinations we see in films, whether it's the rugged mountains of Nepal, the white sand beaches of the Caribbean or even Scotland's blustery Highlands.

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Saturday, 19 January 2013

Accidents increase for November

A study has revealed that November is the most dangerous month of the year for motorists.

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Auto loan rates in Eureka, California

Looking for a new vehicle in California? It's a good time to finance. The average 48-month new-car loan rate slipped down to 4.08 percent in our most recent rates survey. And there are even better deals out there. Use our survey to find the lowest auto loan rates in Eureka, CA.
Even though rates are low,

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Fed’s Beige Book: What ‘fiscal cliff’?

The latest economic roundup from the Federal Reserve suggests that much of the nation is going about its business without much concern.

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Friday, 18 January 2013

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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Sitting Your Kids Below The Ages Of 2 Within A Rear Facing Position Is Notably Less compromising In comparison with Any Other Sitting Position Claims The United states School For Pediatrics

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Illinois Financial Responsiblity (SR-22) Insurance

Financial Responsibility Insurance (SR-22) monitors the insurance of problem drivers and authorizes the Secretary of State’s office to suspend upon cancellation or expiration. Financial Responsibility Insurance is required in Illinois for individuals with safety responsibility suspensions, unsatisfied judgment suspensions, revocations, mandatory insurance supervisions and individuals who receive three or more convictions for mandatory insurance violations.

To obtain an SR-22, you must contact an insurance company authorized to write SR-22 policies for Illinois. The issuing agency also must have a power of attorney on file in Illinois. The SR-22 must be submitted on a Financial Responsibility Certificate from the home office of the insurance company. The SR-22 certificate is issued in one of the following forms:

Operator’s Certificate — covers the motorist in the operation of any non-owned vehicle.
Owner’s Certificate — covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for all owned vehicles.
Operators-Owners Certificate — covers all vehicles owned or non-owned by the driver.

When payment is made to an insurance agency, the agent will submit a request for an SR-22 certificate to the central office. The SR-22 certificate is sent directly to the Secretary of State’s office and may take up to 30 days for processing. The individual will receive a copy of the SR-22 from the insurance company and a letter from the Secretary of State’s office. The insurance must be maintained for three years. If the SR-22 expires or is cancelled, the insurance company is required by law to notify the Safety and Financial Responsibility Section by a SR-26 Cancellation Certificate. Upon receipt, the driving record will be suspended. This suspension cannot be removed until the insurance filing has been reinstated.

SR-22 insurance must be renewed a minimum of 45 days in advance to avoid future insurance-related suspensions. If the insurance agency does not receive a renewal 15 days before the insurance expiration, they are required by law to notify the Secretary of State’s office.

As an alternative to SR-22 insurance, an individual may deposit $55,000 in cash or securities with the Illinois State Treasurer, file a surety bond, or file a real estate bond approved by a court of record. Out-of-state residents may request their proof of financial responsibility for Illinois be waived by completing an Affidavit. The affidavit applies only to Illinois’ insurance requirements. In the event you move back to Illinois within three years from acceptance of the insurance waiver, your SR-22 requirement for Illinois would be reinstated.

Information source: http://www.cyberdriveillinois.com

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Thursday, 17 January 2013

Fed chastises JPMorgan over losses

In response to a $6 billion loss on derivatives, the Federal Reserve assigns JPMorgan extra homework.

NFU Mutual achieves underwriting profit in 2011

Combined operating ratio down to 91% in 2011

Karen Went Above and Beyond the Call of Duty

Good afternoon,

My name is Todd and I just wanted to write you to tell you about my positive customer experience with your organization, and with Karen Sills specifically. I first contacted Serenity around Veteran’s Day and Karen happened to receive my call. I am just now getting my license back after several previous indiscretions and I was trying to understand the insurance possibilities for my situation. I was interested in buying a luxury vehicle, but I didn’t want to commit to that if insurance would not be available or would be too costly. Karen took my information and assured me that I should be able to find coverage. Karen seemed pleasant so I asked if I could ask for her directly when I actually purchased a vehicle.

I believe I called Karen once or twice more with various questions and each time Karen was more than willing to help. Finally a week from this past Tuesday I find myself at the BMW dealership and the salesman wouldn’t move forward with the paperwork until I provided him with proof of insurance. I had saved Karen’s number in my phone for just this situation and gave her a call. Karen was able to located decent coverage but offered to do a little more research to see if she could do better since she knew my sales deal would take a while. When she called back not only had she saved me money but she stated that the coverage was also much better.

I realize I am getting a little long winded here, but I wanted you to know how much I appreciated Karen’s efforts in helping me through this process. I feel that she did her job extremely well, and probably went above and beyond the call of duty as well. In my opinion, you have a valuable asset in Karen and I wanted to share my experience.

If you have any questions please feel free to contact me.

Have a great afternoon!

Regards,

Todd in FL

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Wednesday, 16 January 2013

How To Reduce The Risks On Your Vehicle With A Van Insurance Policy

Van insurance gives you rest of mind for your van against any unforseen circumst (Read more ...)

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CHANGES TO PENSIONER BENEFITS MUST BE PART OF LONG-TERM REFORM

As Iain Duncan Smith defends Cameron’s pledge to keep Universal Benefits for pensioners but hints at changes beyond 2015, Dr Ros Altmann, Director-General of Saga, comments:

How to invest in US real estate recovery

Which is better: becoming a landlord, refinancing your mortgage or investing in REITs?

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Tuesday, 15 January 2013

Moody's assigns a Baa1 (hyb) rating to the USD700 million perpetual subordinated Tier 1 securities issued by Prudential plc

Prudential Public Limited Company

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Should you delay buying an annuity for your retirement?

With annuity rates remaining low, waiting to annuitise is tempting. But research from retirement specialist MGM Advantage shows you’d be better off buying now

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Duvg

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Monday, 14 January 2013

Hot Car Deal – Skoda Fabia

Which? Hot Car Deals: Great discounts on Skoda Fabia and Skoda Fabia Estate, including over £3,000 off a petrol hatchback model.

Who will win Car of the Year?

The coveted Car of the Year award has been narrowed down to Cadillac ATS, the Ford Fusion or the Honda Accord.

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Video: State of the market - UKGI in 2012

Insurance Times asks what insurers can expect in 2012

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Sunday, 13 January 2013

NoSql databases

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Drink drive campaign launched this week for the festive season

The annual THINK! drink driving campaign is scheduled to launch this week in a bid to tackle drink driving during the festive season.

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Who will win Car of the Year?

The coveted Car of the Year award has been narrowed down to Cadillac ATS, the Ford Fusion or the Honda Accord.

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Saturday, 12 January 2013

Study Shows Teens “Inherit” Poor Driving Habits From Parents

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

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

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

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

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

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