Reed Elsevier was the top riser after it reported a 4% increase in half year revenue at constant currency and a 5% increase in the dividend.
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Extremely toxic drivers, such as those convicted of driving under the influence of drugs or alcohol, may make an exclusion a necessity. (image by seattlepi.com)
As one’s household grows, so too, does their auto insurance policy. While this is a pretty standard and expected occurrence, it’s important for people with an increasing number of licensed drivers under one roof to realize they have options. Should any of their family members threaten their driving reputation and quotes, policyholders have the option to remove and exclude them from their insurance plans, making auto coverage someone else’s problem and responsibility.
If you’re a policyholder interested in excluding one or more individuals from your policy, then you need to contact your insurance company and/or agent. Your request will have to be in writing and might also come with additional forms and paperwork, depending on who your insurance company is. It’s also important to note that requesting an exclusion may cause your rates to increase a bit, but some view this cost as a much more affordable expense than the potential damages they might be held accountable for when the dangerous driver(s) in question get in a serious accident or have repeated traffic offenses.
Now that you know how to request an exclusion, it’s important to understand WHO to exclude. You should exclude anyone you see as high-risk, unreliable and irresponsible. Individuals who show no regard for rules and regulations and could care less what happens to your name and record in the process are other obvious options. To help make the choice easier for you, below is a list of three individuals you definitely don’t want on your policy.
While a fluffy, cute member of the family, Mittens also has a wild side with which you are all too familiar. She is open about her late-night romps with her neighborhood friends, often coming home as the sun rises. She’s practically nocturnal! Those crazy hours coupled with her sassy attitude are a recipe for disaster for you and your record, so nip this problem in the bud while you still can — before Mittens brings you down with her.
Six-year-old Ben is your pride and joy. He’s cute and sweet, but let’s be honest — the boy is growing up too fast. Rather than run the risk of him growing up, stealing your car and running away, it’s probably best to exclude him from your policy to keep that from happening. You might not be able to stop him from physically growing, but you will darn sure try to stop him from leaving you!
Sure you let him borrow a cup a sugar once, but does that really warrant unannounced pop-ins or the dreaded ‘surprise I was waiting for you to get home from work’ visit? The answer is obviously no, but that doesn’t stop your too-close-for-comfort neighbor from doing just that and more. A sweet, eager individual with no concept of social norms, this neighbor is here so often you’re worried he thinks he’s actually a part of the family. While you technically shouldn’t have to cover him on your insurance, the lines that surround your whole relationship — and evidently your property— have been blurred. So, just to be on the safe side, you better exclude him. Who knows, maybe one day he’ll get really comfortable and decide to take your car for a spin and get locked up for grand theft auto — maybe then at least you’ll get to cook in peace again!
Obviously, these examples of potential exclusions are extreme and ridiculous, but that’s just the point. Auto insurance exclusions are a serious issue that should be treated as such. They shouldn’t be added to policies willy-nilly and on a whim, but rather after serious thought and consideration has been given to the situation. It can be a pricey and potentially lengthy process that should only be implemented after you have determined there is no other feasible option.
You should only opt to exclude drivers with repeated violations such as driving under the influence of alcohol or drugs, speeding or any other behavior that shows a disregard for the law. It’s also important to note that exclusions can also apply to non-related roommates. Depending on your policy and location, it might be a smart idea to exclude any irresponsible roommates you might have, should they try to drive your vehicle without permission and thus endanger your reputation and record.
We do hope you’re never presented with having to exclude a family member from your auto policy. Keep in mind, it’s only advisable when the said-driver is extremely toxic. Most of the time, excluding a single driver will only lead to higher rates for everyone involved.
You’ll know they are a real risk if they cause you to be subjected to higher rates, or worse, put you in danger of losing your coverage altogether — those are costly expenses worth the fees that come along with an exclusion.
If you are seriously considering opting for an exclusion, talk with your insurer to explore all of your options and alternatives. They should help point you in the right direction for your future.
The post Everything You Need to Know About Excluding People From Auto Insurance appeared first on CarInsurance.org.
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Extremely toxic drivers, such as those convicted of driving under the influence of drugs or alcohol, may make an exclusion a necessity. (image by seattlepi.com)
As one’s household grows, so too, does their auto insurance policy. While this is a pretty standard and expected occurrence, it’s important for people with an increasing number of licensed drivers under one roof to realize they have options. Should any of their family members threaten their driving reputation and quotes, policyholders have the option to remove and exclude them from their insurance plans, making auto coverage someone else’s problem and responsibility.
If you’re a policyholder interested in excluding one or more individuals from your policy, then you need to contact your insurance company and/or agent. Your request will have to be in writing and might also come with additional forms and paperwork, depending on who your insurance company is. It’s also important to note that requesting an exclusion may cause your rates to increase a bit, but some view this cost as a much more affordable expense than the potential damages they might be held accountable for when the dangerous driver(s) in question get in a serious accident or have repeated traffic offenses.
Now that you know how to request an exclusion, it’s important to understand WHO to exclude. You should exclude anyone you see as high-risk, unreliable and irresponsible. Individuals who show no regard for rules and regulations and could care less what happens to your name and record in the process are other obvious options. To help make the choice easier for you, below is a list of three individuals you definitely don’t want on your policy.
While a fluffy, cute member of the family, Mittens also has a wild side with which you are all too familiar. She is open about her late-night romps with her neighborhood friends, often coming home as the sun rises. She’s practically nocturnal! Those crazy hours coupled with her sassy attitude are a recipe for disaster for you and your record, so nip this problem in the bud while you still can — before Mittens brings you down with her.
Six-year-old Ben is your pride and joy. He’s cute and sweet, but let’s be honest — the boy is growing up too fast. Rather than run the risk of him growing up, stealing your car and running away, it’s probably best to exclude him from your policy to keep that from happening. You might not be able to stop him from physically growing, but you will darn sure try to stop him from leaving you!
Sure you let him borrow a cup a sugar once, but does that really warrant unannounced pop-ins or the dreaded ‘surprise I was waiting for you to get home from work’ visit? The answer is obviously no, but that doesn’t stop your too-close-for-comfort neighbor from doing just that and more. A sweet, eager individual with no concept of social norms, this neighbor is here so often you’re worried he thinks he’s actually a part of the family. While you technically shouldn’t have to cover him on your insurance, the lines that surround your whole relationship — and evidently your property— have been blurred. So, just to be on the safe side, you better exclude him. Who knows, maybe one day he’ll get really comfortable and decide to take your car for a spin and get locked up for grand theft auto — maybe then at least you’ll get to cook in peace again!
Obviously, these examples of potential exclusions are extreme and ridiculous, but that’s just the point. Auto insurance exclusions are a serious issue that should be treated as such. They shouldn’t be added to policies willy-nilly and on a whim, but rather after serious thought and consideration has been given to the situation. It can be a pricey and potentially lengthy process that should only be implemented after you have determined there is no other feasible option.
You should only opt to exclude drivers with repeated violations such as driving under the influence of alcohol or drugs, speeding or any other behavior that shows a disregard for the law. It’s also important to note that exclusions can also apply to non-related roommates. Depending on your policy and location, it might be a smart idea to exclude any irresponsible roommates you might have, should they try to drive your vehicle without permission and thus endanger your reputation and record.
We do hope you’re never presented with having to exclude a family member from your auto policy. Keep in mind, it’s only advisable when the said-driver is extremely toxic. Most of the time, excluding a single driver will only lead to higher rates for everyone involved.
You’ll know they are a real risk if they cause you to be subjected to higher rates, or worse, put you in danger of losing your coverage altogether — those are costly expenses worth the fees that come along with an exclusion.
If you are seriously considering opting for an exclusion, talk with your insurer to explore all of your options and alternatives. They should help point you in the right direction for your future.
The post Everything You Need to Know About Excluding People From Auto Insurance appeared first on CarInsurance.org.
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Do you feel as though you’ve had less and less disposable income every month since becoming a parent? You could be right.
If you’re a parent, you could be forking out as much as £313 per month on essentials for your little darling.
According to research from Santander, the average parent spends this amount on items such as food and drink, entertainment and babysitting. Over the course of a year, this expenditure equates to £3,762, which is more than 14% of the average Brits’ £26,100 salary.
If you already have children, you might want to stop reading now as the statistics are about to become even more alarming. During the course of 18 years, the average parent will spend £67,700 per child. Scarier still: this astronomical figure doesn’t factor in the cost of university.
Regional variations
Like almost everything else, the North/South divide comes into force with essential childcare costs. According to the data, the average parent in the South is spending £4,163 compared with a slightly more modest (though still pretty painful) £3,275 in the North.
The cost of food and drink is at its highest in the capital with typical spending of £106.30 and Londoners are also spending £50 per month on their child’s transport.
When it comes to activities, Scots are most generous and spend £52.20 per month compared with £30.90 in the North.
Cost of children essentials per month and year
| London | Rest of South | Midlands, Wales | North | Scotland | Average | |
| Food and drink | £106.30 | £89.70 | £84.70 | £89.50 | £99.00 | £91.50 |
| Entertainment | £33.50 | £29.40 | £30.30 | £30.10 | £39.10 | £31.20 |
| Toys and gifts | £23.30 | £22.90 | £21.60 | £23.10 | £24.00 | £22.90 |
| Holidays | £65.40 | £65.00 | £59.90 | £49.00 | £44.60 | £58.10 |
| Activities | £37.10 | £39.10 | £36.70 | £30.90 | £52.20 | £37.40 |
| Transportation | £50.00 | £35.40 | £32.80 | £35.60 | £44.80 | £37.10 |
| Babysitting | £17.90 | £65.40 | £36.10 | £14.70 | £47.80 | £35.30 |
| Monthly totals | £333.50 | £346.90 | £301.80 | £272.90 | £351.50 | £313.50 |
| Annual totals | £4,002 | £4,163 | £3,625 | £3,275 | £4,218 | £3,762 |
Source: Santander
So, how can parents cut costs if they’re struggling to cope with these monthly expenses?
Wise up to supermarket tricks
Wherever you live in the UK, food is the biggest expense for families and the average parent spends £91.50 on feeding their child per month.
Whenever you head to the supermarket, remember the main goal of most retailers: to tempt you to hand over as much of your money as possible.
Be wary of any two-for-one deals or other special offers, don’t be persuaded to buy more than you’ll actually use and try not to give into nagging for treats if you take your kids with you.
To learn more, check out What supermarkets don’t want you to know and Stop wasting £680 a year on food.
Check your benefits
Even if you’re working, you might still be able to claim some form of state benefits, such as tax credit or child benefit. If you believe you may be entitled to benefits you’re not already receiving, try consulting an online state benefit checker.
Teaching kids the value of money
Educating your children about money management while they’re young might help them avoid common financial pitfalls in adulthood.
According to an encouraging piece of research from Halifax, some 63% of children between the ages of eight and 15 perform household chores in order to boost their income.
As soon as your kids have put some cash aside, you could encourage them to open a savings account and explain about the benefits of earning interest.
A number of banks and building societies allow you to put parental controls on the account until the child is old enough to manage their own money, which would come in handy if you’re worried about you child blowing the whole lot in one weekend.
**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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African Barrick Gold: UBS ups target price from 260p to 290p and maintains a buy recommendation. Deutsche Bank cuts target price from 300p to 280p and reiterates a buy recommendation. Westhouse Securities ...
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Anglo American: Jefferies raises target price from 1550p to 1700p and reiterates a hold recommendation.
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Widows are being threatened with legal action from some of Britain's biggest annuity providers if they fail to return payments made soon after their spouse's death.
Rules for conventional annuities say that any remaining pot cannot be passed to survivors on death; payments stop as soon as an insurer is informed. But there is evidence that some firms are taking a heavy-handed approach to recovering money paid out in the period between someone's death and the cancellation of the policy.
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* UK to scrap requirement for pensioners to buy annuities * Finance ministry sees little immediate market impact LONDON, July 21 (Reuters) - Britain will give more workers a choice to cash in their pension savings, the government said on Monday, expanding reforms set out earlier this year that hit insurers' share prices. Finance minister George Osborne caught Britain's pensions industry by surprise in March when he said he would scrap a rule forcing many people to buy an annuity, a financial product which converts a retiree's pension pot into a guaranteed income.
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The DVLA has warned that there is a scam email in circulation and that anyone receiving an email which appears to be from the DVLA requesting personal information should ignore it.
With a link to a fake DVLA data input form, this email suggests that any driver failing to give this information will be required to re-take their driving test. The DVLA has spoken out in warning against this, reminding drivers that they would never request these details online- and that drivers who do input these details could become the victims of identity fraud.
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Get Breaking News First
But many teens are driving older vehicles that don't have the best crash protection and lack updated safety technology, according to new research from the Insurance Institute for Highway Safety. Of 500 parents surveyed, a little more than half said …
Read more on CBS Local
MyLicence: driver database will cut some car insurance premiums
The MyLicence driver database means drivers won't be able to lie when applying for car insurance. Insurers are confident that MyLicence, a Big Brother-style insurance database, due to go live in the next few weeks, will put an end to motor insurance …
Read more on Aol Money
Halifax couple wins battle with insurance group after car fire
A Halifax couple says they've gone through insurance hell trying to prove they didn't set their car on fire. Becky Loughead and James Messervey's 2008 Dodge Caliber was parked in front of their Halifax home when it went up in flames in the early hours …
Read more on CBC.ca
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If you want to save 15% or more on car insurance, you may have to move to a white, suburban neighborhood
It has long been government policy to root out overt discrimination based on race, sex, age, religious and, increasingly, sexual orientation. But in America, it remains politically correct and (in most states) legally permissible to profile based on postal code. They are routinely used by local governments to apportion tax dollars for public education and by banks to deny or charge extra for loans to households in lower-income or working-class neighborhoods.
Nowhere is zip code profiling more obvious, and in no area does it more obviously violate basic notions of merit, than in auto insurance rating pricing. Where one lives rather than how one drives is in fact the primary determinant for how much you can save (or will be legally forced to spend) on auto insurance.
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* UK to scrap requirement for pensioners to buy annuities * Finance ministry sees little immediate market impact LONDON, July 21 (Reuters) - Britain will give more workers a choice to cash in their pension savings, the government said on Monday, expanding reforms set out earlier this year that hit insurers' share prices. Finance minister George Osborne caught Britain's pensions industry by surprise in March when he said he would scrap a rule forcing many people to buy an annuity, a financial product which converts a retiree's pension pot into a guaranteed income.
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Frequently cheap van insurance policies often provides a selection of possibilities to choose from as prices may also differ according to whether or not the function of the van is either for household or enterprise utilization.
1. Staying lawful on the road additionally indicates getting the right van insurance policy, most essentially for consumers shopping for the cheapest van insurance policy that will would match their demands. Usually, all vans will require fire as well as theft coverage as well as public liability policy. Nevertheless business vans in addition need 3rd party coverage along with other coverage which cover the van but do not stipulate individual driver. Even so, specific staff might be appointed for eligibility of reduced cost.- http://www.cheapestvaninsurance.org/
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3. Numerous individuals consider raising their voluntary excess amounts simply because they can reduce their monthly premium through forking out a lot more on the 1st portion of the claim, if the car crash is not evaluated a ‘non-fault’ incident. Non claimants who have security alarms and also immobilisers added within their vehicle or use very protected garages to store their vans overnight are actually usually rewarded with enormous savings by insurance companies.
4. You’ll often recognize that the criteria needed by insurers change from one insurance provider to another. Usually the size and the engine capacity of a vehicle may influence a person’s van insurance premium with some insurance companies while others may also cut down a policy premium for simply just sticking a label on your bumper showing phone number other road users may call up to report an unsafe driving.
5. One additional technique of minimizing one’s premium is through seizing opportunities for savings, increasing the amount of your van insurance excess in addition to switching out of monthly premiums to annual settlement- this should stop you from having to pay the interest on the full premium.
6. Optional protection for legal cover, accidental damages to third party possessions, breakdowns and many more are add-on that insurance providers can simply include in a policy. Nevertheless checking and comparing prices with other insurance providers might allow you detect whether to add them to your policy. Since you’re obligated to settle the overall amount of your van insurance protection, you may also be in a position to change certain features that come with your protection plan so as to reduce your quote.
7. Always bear in mind that cheap van insurance premiums can vary significantly from one insurer to another due to the cost of the van making up the premium and the various risks being exposed to the insurer on a daily basis when you use your van. Transporting hazardous items will no doubt shoot up your van insurance premiums in addition to carrying of products deemed as expensive, as these pose a greater risk to the insurers .Getting many different independent quotes for cheap van insurance can often be a time and money saver when looking for that elusive cheapest van insurance policy.
A number of van insurance comparability web-sites can be found at present that will provide you with many different extras and options to pick from. Add-on like break down policies, personal accident injury insurance protection are usually a few of the alternatives you may select from all at very inexpensive quotes .
Ultimately, it always pays to be tolerant when searching for a cheap van insurance quote. Find as many quotes as you can doable then you’ll be in a better position to establish what policy is the best for you together with best value for money. Nevertheless though, a lot of van insurance you can choose from, which range from one day van insurance, short term van insurance commercial van insurance and much more. Acquiring enormous reductions from all of these insurance policies also requires similar technique as well as persistence.
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Can’t be bothered to clean out your attic? Perhaps the possibility of making £2,800 would motivate you.
The average UK homeowner has £2,813 of clutter going unused in their attic, according to research from the Co-operative Bank.
Common items stored away include books, children’s toys and Christmas decorations. Shockingly, 22% of people have as many as five TVs collecting dust in the loft.
However, few of us appreciate we could be sitting on a potential gold mine. When asked to estimate the value of the goods in their attic, people guessed an average of £559 – less than a fifth of the potential worth.
Surprisingly, some 30% of those surveyed wouldn’t consider parting with their clutter in order to make some cash.
James Hillon, Head of Home and Family at the Co-operative Bank said: ‘For many, just the thought of having a clear-out is a cause of worry, so much so that the term ‘hoarder disorder' has been coined to explain the scientific symptoms and medical reasons behind our hoarding habits.’
But just how would you go about making a little extra cash and break the hoarding habit?
Selling online
Although your first thought might be to opt for a well-known site such eBay or Amazon, there are plenty of alternatives so it could be worth doing your research.
Preloved is a site dedicated to selling second-hand goods and allows you to place a free ad without any listing or selling fees.
With musicMagpie, users can earn extra cash by trading in their old CDs, DVDs, games and technology.
Rather than selling your stuff in an auction, the site pays a set amount for each item – you can find out how much your goods are worth by entering the barcode or the name and model.
If you use online charity bookstore Green Metropolis, you’ll receive £3 for every book you sell – though you’ll need to cover the cost of postage yourself and this can range from 50p to £2.50.
Alternatively, you can become a charity seller and 50p or £1 of your profit for each book will be donated to a nominated charity.
Car boot sales
If you can brave the early start, you could dispose of your clutter by having a car boot sale.
Websites such as Yourbooty.co.uk and CarBootJunction contain listings of sales in your area or you could try checking the local paper to find a suitable venue.
Remember, if you want to bag a decent pitch, it could be worth turning up as early as possible to beat the competition.
Also, be prepared to haggle over price ­– many seasoned car booters will be in the market for a bargain and might try to put in a cheeky offer.
If your main goal is to spring clean, however, consider lowering your prices toward the end of the day if you need to get rid of excess stock.
Upcycling
This suggestion will perhaps work best for those with a creative bent or a talent for DIY.
Upcycling is the process of transforming items you no longer need into new, more useful objects.
Cutting up unwanted clothing and using it to cover stains or tears on other material is an obvious example. However, you can check out websites such as this for more tips.
For more articles like this, see Six top money-saving websites and Do you have a hidden fortune?
**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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* UK to scrap requirement for pensioners to buy annuities * Finance ministry sees little immediate market impact LONDON, July 21 (Reuters) - Britain will give more workers a choice to cash in their pension savings, the government said on Monday, expanding reforms set out earlier this year that hit insurers' share prices. Finance minister George Osborne caught Britain's pensions industry by surprise in March when he said he would scrap a rule forcing many people to buy an annuity, a financial product which converts a retiree's pension pot into a guaranteed income.
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Widows are being threatened with legal action from some of Britain's biggest annuity providers if they fail to return payments made soon after their spouse's death.
Rules for conventional annuities say that any remaining pot cannot be passed to survivors on death; payments stop as soon as an insurer is informed. But there is evidence that some firms are taking a heavy-handed approach to recovering money paid out in the period between someone's death and the cancellation of the policy.
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As the US economy roils through up and down revisions, a new report tries to puzzle how the new healthcare system fits in
Love or hate Obamacare, it boosts health spending
Economists get their 'dismal science' wrong all the time
The Affordable Care Act, or Obamacare, is wreaking havoc with our view of the American economy.
This year, every revision of gross domestic product our measure of GDP has provided a new read on what Obamacare is doing for the economy. Initially, the health insurance program appeared to give an enormous boost to healthcare spending in the US, indicating that Americans were rushing in droves to sign up.
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What would it take to make you happy? For some of us, it could be as simple as saving £1.66 per day.
£1.66… it doesn’t sound like a particularly earth-shattering sum, does it? In fact, it’s the kind of loose change you often find rattling around at the bottom or your bag or collecting dust on the mantelpiece.
However, some 9 million Brits would feel happier with their lot if they were able to put aside this amount every day, which would equate to £50 over the course of a month.
This is according to research from government savings arm NS&I, which also found that 62% of Brits are dissatisfied with the amount of savings they have.
With this in mind, we’ve rounded up some tips that could potentially help you save. You’re probably not going to attempt them all, but taking up just one or two could help you hit that £50 target.
Save on showers
Following a recent spate of price hikes, the topic of energy bills is a huge source of concern for households across the UK. Luckily, there are numerous ways you could slash your energy bill with minimal effort.
You could, for instance, replace your traditional showerhead with a water-efficient model. According to the Energy Saving Trust, this could save the average family of four around £72 a year on water heating and another £78 on water bills.
Once you factor in the £27 cost of the showerhead, that’s an annual saving of £123 or just over £10 per month. While it doesn’t exactly meet the £50 target, it’s a decent start.
Remember this tip only applies if your shower currently takes water directly from your boiler or hot water tank.
POTENTIAL MONTHLY SAVING: Around £10 or higher if you also try other tips.
Stop wasting food
According to research from the Waste and Resources Action Programme, the average family with children wastes 680 a year on food. Doing the maths, that’s almost £57 per month.
Check out Stop wasting £680 a year on food for tips on how you could save.
POTENTIAL MONTHLY SAVING: Almost £57
Cut the interest on your debt repayments
If you’re currently paying expensive interest on your credit card, you might able to save money with a 0% balance transfer card as these products won’t charge any interest during an introductory period.
Imagine you have a debt of £2,500 and are paying interest at a rate of 20%, you would be paying £38 in interest alone this month.
With a balance transfer card, you could avoid these interest payments during the 0% period and focus on paying down your debt.
Just one word of caution – most lenders charge a one-off fee if you would like to transfer a balance onto a card and it’s wise to take this in account.
POTENTIAL MONTHLY SAVING: Depends on your level of debt
Ditch the vending machine
By now, you’re probably sick of being told how much money you could save by taking a packed lunch into work every day, but have you considered how much you spend on snacks?
Say you buy two cans of cokes and a bar of chocolate from the vending machine every day, you could easily be spending £1.66. Ditch this habit and you could potentially save £50 a month.
POTENTIAL MONTHLY SAVING: £50
We can’t promise eternal happiness, if you follow our money-saving tips. However, you might be able to put a little extra into your savings each month and perhaps feel a little less financially frustrated.
**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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The following financial services industry appointments were announced on Monday. To inform us of other job changes, email moves@thomsonreuters.com. DEUTSCHE ASSET & WEALTH MANAGEMENT The unit of German ...
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Hello and welcome to this week's Money Talks a round-up of the week's biggest stories and some things you may have missed.
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If you were to compare car insurance rates by state you’d find that similar drivers with similar vehicles pay different rates depending on the state where they live. This is one of the curious aspects of car insurance a lot of people don’t understand. That misunderstanding comes by way of the fact that so many drivers think of cheap car insurance as a static product similar to a computer or television set. By “static” we mean a product that comes off a production line and is identical among all pieces of the same line.
The thing about car insurance is that it’s not static. For example, two different drivers may both have collision and comprehensive coverage on their vehicles but pay different rates for it. This makes complete sense when you consider one driver owns a BMW while the other driver owns a Kia. The values of their respective vehicles heavily influence the cost of their collision and comprehensive insurance.
United States of America
In terms of the various states, here are a couple of things that influence auto insurance quotes:
State Laws – Far and away the biggest influence on cheap auto insurance at the state level comes by way of insurance regulations. A state where insurance is heavily regulated to the point that it chokes out competition will see higher car insurance costs. Other regulatory conditions that contribute to annual premiums include minimum liability requirements, taxes and fees, how the state’s high risk pools are funded, and how traffic violations are dealt with.
Population Density – Population density is another big factor at the state level. States with high population densities such as California and Massachusetts have the potential for higher insurance rates because there are more drivers on the road to cause accidents.
Accident Rates – The different states experience different accident rates depending on a whole host of factors. Weather, average driver age, road conditions, and economic conditions all play a part in influencing accident rates. Like population density, a state with a higher rate of accidents per capita will see that reflected in car insurance quotes.
Job Outlook – Believe it or not insurance statistics show a greater propensity for insurance claims among specific occupations. Insurance companies can look at those statistics from one state to the next and partially determine rates of accident claims based on occupation and income levels.
Suffice it to say there are a number of things at the state level that contribute to how much you and I pay for insurance. When you’re searching for car insurance quotes, it’s best not to about worry what your cousin and his neighbor are paying two states away. Your state is what it is and that’s not likely to change. By the same token, if you’re thinking of moving to another state and you’re not restricted in your choices, taking into account the likelihood you’ll be able to find cheap car insurance may be a factor in your decision.
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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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Aviva plc (LON: AV), Prudential plc (LON: PRU), RSA Insurance Group plc (LON: RSA), Old Mutual plc (LON: OML) And Legal & General Group Plc (LON: LGEN) have great potential, argues this Fool.
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