Selling a house: Which? reveals five quick wins

Selling a house: Which? research reveals estate agents' expert insights on how to sell a house quickly by making it more attractive to buyers.

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Autonet Insurance celebrates 15 years of business

The Staffordshire broker first began writing business in 1999 based in Newcastle-under-Lyme. Founders Glynn Keeling and Ian Donaldson, both local to the area, set up the award winning organisation to provide insurance solutions and advice for customers nationwide across a whole host of industry products.

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Saga plc's Capital Markets Day announcement

Saga plc's Capital Markets Day announcement is now available

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New tyre labelling regulations for 2012

Compulsory EU tyre labelling will come into effect in November of this year. The labelling system will show buyers the fuel economy and wet weather braking capabilities and noise levels of tyres. This tyre performance labelling could have an effect on the way in which we purchase tyres and the brands we choose.

Labels will rate tyre performance on a scale of A-G, similar to the scaling labels used on things such as domestic appliances. Therefore, customers will be able to see at a glance whether the tyre scores highly on performance. However, there is one area which cannot be rated on such a simple scale- tyre longevity. The conditions of use, wear and tear will ultimately determine this, but at least drivers will have some indication as to the quality of their tyres.

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Oo ban 19012015

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Hold on or move on in retirement?

Renting versus buying is another decision. What's available and affordable in the area where you decide to live is a consideration.

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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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Get your motor running: the retirement crowd going for motorcycle burn-ups

Saga makes move into older biker insurance, as mature female riders shun pillion for hand on throttle

It’s not so much a case of Born To be Wild as born to be mild: a new generation of bikers is taking to the road, and they are not twentysomething speed freaks but sensible fiftysomethings.

The number of over-50 silver-riders climbing aboard a motorbike is roaring ahead: they now account for some 30% of all spending on bikes – a total of £340m last year – up from 17% just seven years ago.

Related: Saga roars into middle-aged biker market with new acquisition

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It’s time to end the great home insurance rip-off

Co-op, the ‘ethical’ bank, repays loyalty with premiums which are £128 more than those quoted for new customers

Co-op, despite its many travails, is still the “ethical” bank. So how can the group’s insurance arm explain the lousy way it treats its loyal home insurance customers?

A reader from York, Paul Landais-Stamp, emailed me this week in fury over his home insurance renewal quote. Until now he has been one of the Co-op group’s strongest supporters – he and his partner have their current accounts at the bank, have taken out one of its mortgages, and have bought its insurance year in, year out. During the bank’s meltdown he stayed loyal, hoping that “out of the wreckage something resembling an ethical alternative to the major banks will re-emerge”.

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Saga and Tilney Bestinvest to create a new investment and financial planning service for the UK’s over 50s

Saga plc, the leading provider of services to the nation’s over 50s market, and Tilney Bestinvest, the award winning investment and financial planning group, are to launch a new joint venture. The business will be branded ‘Saga Investment Services powered by Tilney Bestinvest’ (the “JV”) and will be operational in the second half of 2015.

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Selling a house: Which? reveals five quick wins

Selling a house: Which? research reveals estate agents' expert insights on how to sell a house quickly by making it more attractive to buyers.

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Selling a house: Which? reveals five quick wins

Selling a house: Which? research reveals estate agents' expert insights on how to sell a house quickly by making it more attractive to buyers.

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The ‘problem’ of low prices

This week brings new inflation data, updated holiday sales numbers and a Bezos birthday.

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IH 722 Botswana

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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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Furnace burn company fined £12,000

A Nottinghamshire company has been fined after a worker suffered severe burns when he fell into a furnace.

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Will rich rule world’s wealth?

A new study claims that by next year, the wealthy will control the majority of the world's wealth.

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Pensioners set to liberate an extra £1.5bn from pension pots in 2015

• Over 50s hold 68.3% of all UK household wealth
• £1.5 billion of pensions savings will be unlocked this year

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Refinancing a mobile home loan at a lower rate

You save money by financing a mobile home as real estate instead of personal property.

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What investors can learn from traders

Investors can use a trailing stop that follows the stock price higher. A trailing stop can be set either as a percent or a dollar price.

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7 things to watch in the jobs report

The November jobs report was a stunner. Will the December numbers look good, too?

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Worker badly hurt in pipe accident

A worker suffered serious injuries after being struck by a pipe and falling from a stepladder, a court has heard.

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Worker badly hurt in pipe accident

A worker suffered serious injuries after being struck by a pipe and falling from a stepladder, a court has heard.

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Barcelona comedy club employs ‘pay-per-laugh’ scheme

Barcelona comedy club employs ‘pay-per-laugh’ scheme

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For the rich, cash is king

The ultra-rich are keeping their investment options open, with an eye toward real estate.

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The ‘problem’ of low prices

This week brings new inflation data, updated holiday sales numbers and a Bezos birthday.

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Top Four Van Insurance Coverage Money Saving Tips

http://www.cheapestvaninsurance.o (Read more ...)

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Money market account and rates in Florence, Alabama

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

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Top 10 Christmas holiday destinations

We reveal the most popular destinations for those who want to escape the UK over the festive period.

Let’s face it: Christmas in the UK isn’t all mistletoe and wine. As well as the festivities, this time of year can bring sub-zero temperatures, office party embarrassment and family tension bubbling beneath the surface.

With this in mind, you might decide to drop everything this Christmas in favour of a few days away. That only leaves one question… where to go?

According to research from discount site MyVoucherCodes.co.uk, Sydney is the most popular destination for Brits planning a break this year, followed by Dubai and New York City.

This data is based on the most searched-for terms related to Christmas breaks during the past three months.

‘Getting away for the Christmas period can be incredibly tempting, particularly given how stressful the thought of too much family time can be for many,’ said Mark Pearson, Chairman of MyVoucherCodes.co.uk.

‘It’s clear that some people want to get really far away from the annual game of Trivial Pursuit this year,’ he adds.

Most popular Christmas holiday destinations

1) Sydney

2) Dubai

3) New York City

4) Paris

5) Hong Kong

6) Venice

7) Cape Town

8) Tenerife

9) Copenhagen

10) Berlin

However tempting the idea of a Christmas break might seem, these holidays don’t come cheap – especially at a time when our budgets are already stretched.

Fortunately, Santa (well, BeatThatQuote.com) has a few tips on how to cut the cost of yuletide getaways.

Avoid rip-off credit card charges

If you’re using a credit card abroad, most lenders will load charges when you withdraw cash or make a purchase – normally between 2.5% and 3%.

To cut down on these fees, it might be wise to consider a card that allows you to make fee-free transactions abroad. For instance, Halifax’s Clarity Credit Card doesn’t charge borrowers a fee to use the card or withdraw money anywhere in the world.

Get the right travel insurance policy

Whenever you’re travelling abroad, it’s wise to consider travel insurance to protect your valuables and cover the cost of any medical treatment if something goes wrong.

When it comes to holidays over the Christmas period, it’s essential to pick the right type of policy. If you’ll be taking part in any activities such as skiing or snowboarding, you might need to add winter sports cover to your policy.

Set a strict budget for presents

If you and your other half are treating yourself to a trip away over Christmas, it might be sensible to forego presents entirely.

However, you might think this approach has tipped the balance from being frugal to Scrooge-like. If you absolutely have to give presents, try imposing a spending limit or even making your own gifts. While it might sound a bit cheesy, it could force you to get creative.

Now all that’s left to do is try not to get too nostalgic for Christmas pud and reruns of Santa Claus: The Movie come 25 December when you’re sunning yourself abroad.

For more articles like this, check out The £48,940 cost of your holidays and Holiday rip-offs revealed.

**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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Reasons To Insure Your Vehicle Every Time?

Basics of vehicle insurance throughout England

Motor insurance insurance rates have gotten so high that motorists shy away from the topic of  it. Certainly not because of the stress of restarting their insurance policy after expiration, but rather means of how they must 'hand out' their next payment.

Throughout the years, vehicle insurance policy has been on the rise- it has presently develop to be a portion of 'household' overheads and obtaining a less costly premium is undoubtedly speedily getting to be an illusion compared with reality. Regardless of how costly vehicle insurance charges could be- they're still crucial for driving any automobile on the road. 

Can we definitely manage to drive with no a coverage?

In certain countries around the world, it's a driving or criminal offence to operate a car without having an insurance coverage. Throughout the UK for instance, the law enforcement specialists are always on the look out to ensure drivers possess appropriate insurance coverage for the vehicles they utilize. The benefits of having a policy include:

Offer safeguard against injury claims from 3 rd parties wanting to claim from you if you happen to be the major cause of the crash- but since you are covered from 3rd party lawsuits, your policy would pay out instead of leaving you out of pocket . 

Also, it's unlawful in the united kingdom to use a car with no current insurance cover- offenders can aquire endorsements on their driving licence, get a fine, be banned from driving a vehicle, as well as imprisoned for serious and different situations.

Disadvantages of obtaining no policy whilst driving a motor vehicle

Don't have an insurance, you shouldn't drive- it's not worth the repercussion. These are the consequences of driving without a reasonable car insurance coverage: 

• You may incur endorsements on your licence which may hinder your ability to secure a job that involves driving or even risk losing your licence all together.
• Bans are often given to drivers without a valid insurance coverage on their vehicle, however, large fines do accompany these fines depending on the degree of the offence.
• Offenders do get minimal or massive fines which will depend on how severe the offense might be- some offence may carry up to a maximum fine of £3000 if it endangers life or property. 
• It might be astonishing, but people do get imprisoned in some special situations.

Points to take note of when purchasing a car insurance cover

It can be rather confusing for new and young drivers trying to buy an insurance policy for the first time. With all the complicated terms, words and policies, experienced drivers might need to explain these policies to them in plain and simple language. Even so, some important criteria will have to be acknowledged before buying the policy. These are primary factors to consider: 

• The 3 levels of cover you can select from includes: comprehensive, third party fire and theft and third party only. 
• Your level of excess is a major determining factor on your premium- the higher your excess, the lower your premium respectively.
• Compare quotes by shopping around. Quotes differ from one insurance company to another- the more insurers you approach the more likelihood of you getting a cheaper premium.
• Always observe the special conditions that applies to your policy- whether you're protected when you drive within other European countries, are you entitled to a courtesy vehicle should your car be out on repairs? are you allowed to drive other cars with the owners permission? 

How to get discounts from your premium

There is no cheapest vehicle insurer out there. Basically, there are overwhelming variables that can influence the cost of vehicle insurance coverage: a few of these factors are- who you are, where you live, what work you do, the type of car you drive, your driving record for the last couple of years are all major components that would determine what price tag an insurer place on the policy. Your major challenge will now be to search for the cheapest car insurance deal possible by:

• Buying a vehicle within lower car insurance groups. Some examples of cars within the low insurance group bracket includes: Vauxhall Corsa, Fiat Punto and Nissan Micra because of their small engine sizes. High insurance premiums are allocated to bigger engine cars while smaller engine vehicles attract lower premiums.
• Increasing your level of excess would inadvertently reduce your car insurance premiums quiet significantly. voluntary excess is the amount you pledge to contribute in the event of an accident while compulsory excess is what you must pay out. Try not to inflate your the amount too high unless you're comfortable paying it.
• Securing your vehicle in a locked up garage every night limits the risk of theft and damage. Minimizing the risk of criminal damage, burglary and theft should enable your insurer offer you cheaper premiums in return. 
• Install security systems like alarms, immobiliser and even trackers.
• Using price comparison websites to shop and compare quotes helps you save money and valuable time- websites like Websites enables you to compare up to 110 companies within a few minutes, all done by filling one quote form.

Where to obtain cheap quotes

Discovering affordable premiums can some times become mission impossible. Some of the most ideal ways for uncovering cheap premiums is to keep comparing quotes from different insurance companies as well as minimizing your risk factor (your insurers perceived risk about you).

There are so many insurance packages that insurance companies offer to motorist, the package you request would depend on the quote form you're given, typical examples are: quotes for www.cheapcarinsurancex.org/cheap-car-insurance/student, www.cheapcarinsurancex.org/cheap-car-insurance/green, pay as you go car insurance for 18 year olds and many more.

Finishing thought on motor insurance

It will be more expensive to drive your vehicle without any suitable insurance protection rather than when you own a suitable cover: If you're in an accident that was your negligence, without having insurance policy, you will risk being accused of damages by third parties and the cost of pay outs could become too much to handle if you do not have the financial means. Legal claims from those affected by the accident, your car getting seized or scraped and settling 3rd party litigations are all typical instances of peril drivers can are up against for not insuring their car.

Conversely, insuring your motor car only gives you reassurance and away from issues. Refrain from driving a vehicle that's without insurance.

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Different Car Insurance Rates Among Different States

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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The worst regions for mobile phone theft

With 264 mobile phone thefts reported to the police every day, we reveal the areas where you're most likely to be a victim.

If you’ve ever had your mobile phone stolen, you’re not alone. In fact, 264 mobile phone thefts are reported every day. This is according to research from insurance company LV=, which also found such crimes have increased by 25% during the past three years.

Pickpocketing is the most common form of mobile phone theft with one in six victims having their phone stolen this way.

Crime hotspots

If you’re planning a trip to London’s Hyde Park, you’d be wise to keep a close eye on your phone – 163 mobile phones were stolen in the area between May and August.

Over in Wales, police in Cardiff have received 125 reports of phone theft in the Greyfriars Road area so far this year.

Other high risk areas include Sheffield city centre, where there have been 1,309 thefts. Likewise, the Castle Ward in Leicester and Bristol city centre are also hotspots.

Gadget insurer Protectyourbubble.com also conducted similar research earlier this year. According to its data, those in Brighton are 4.4 times more likely to have their phone stolen than the national average. Next up, Manchester residents are 3.8 times more likely to fall victim to this type of crime.

In contrast, Hull and Sunderland experienced low levels of mobile phone theft, Protectyourbubble.com found.

Any chance I’ll get my phone back?

Sadly, the likelihood is that your phone is gone forever. According to LV=, only one percent of stolen phones is ever recovered... not great odds, then.

In fact, the research indicates that 40% of victims don’t report the incident to the police.

You could increase the chances that your phone will be recovered if stolen by adding your International Mobile Equipment Identity (IMEI) number to Immobilise – the national property register. The IMEI is unique to your phone and normally found underneath the battery.

Should I take out insurance?

The answer to this question inevitably depends on the type of handset you have. A couple of years ago, I had my phone taken by a pickpocket on a bus. Considering the handset had only set me back £10, it wasn’t a great financial loss, but it was infuriating nonetheless.

Even if I’d had insurance at that point, the excess would almost certainly have been more than £10, so there would have been little point in claiming.

If, however, you own an iPhone, Blackberry or Android, it could be worthwhile taking out cover and a number of insurers specialise in gadgets.

Alternatively, you might be able to add your phone to your home contents policy, which may mean it’s covered away from the property.

Mobile phones and your data

If your phone is stolen and the culprits get hold of information about you stored on the device, you could be at risk of identity theft.

To minimise the risk, it’s wise to remotely erase all your data if the phone is stolen.

A number of apps such as Where’s My Droid and Find My iPhone allow you to trace missing phones and, if necessary, delete data such as your contacts, social networking accounts and call history.

**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 2 Big Weaknesses That Make Direct Line Group plc, RSA Insurance Group plc and Admiral Group plc Bad Buys

Two standout factors undermining an investment in Direct Line Insurance Group plc (LON: DLG), RSA Insurance Group (LON: RSA) and Admiral Group (LON: ADM )

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Hold on or move on in retirement?

Renting versus buying is another decision. What's available and affordable in the area where you decide to live is a consideration.

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Autonet launch existing brand onto aggregator site

Autonet Insurance is pleased to announce the launch of one of their existing brands onto the popular aggregator site, Quotezone.

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The Most Significant European Cars Bound for the U.S. Market at the Paris Auto Show

BMW Group

While auto shows are constantly happening almost year-round an all around the world, there are a few that truly stand out, such as the Paris Auto Show, which runs from Sept. 29 – Oct. 14. As is the case with most significant car shows oversees, most of the models featured are, unfortunately, not for sale in the U.S. However, this year’s show offers a significant number of cars that could have huge potential for their respective manufacturers here in the states. Here are four such models making their auto show debuts in Paris:

BMW Concept Active Tourer

No, your eyes aren’t deceiving you. The image you see at the top of this post is in fact a BMW. The Concept Active Tourer will provide competition for Mercedes-Benz’s B-Class EV in the upscale, but efficient and utilitarian market. Both cars are aimed at buyers looking for a small, eco-friendly car that can comfortably fit four adults, all while providing more luxurious appointments than typical hybrids and EVs. Shockingly, the car also breaks with BMW tradition of powering the rear wheels by instead sending power from the car’s diminutive 1.5 liter 3-cylinder engine to the front wheels, while a synchronous electric motor powers the rear wheels. The electric motor can run without assistance from the internal combustion engine for almost 20 miles before its lithium-ion battery depletes. The battery can be recharged with a standard household 220-volt outlet.

Jaguar F-Type

The Jaguar F-Type marks a significant milestone for the British marquee brand. The all-new F-Type will be the first true convertible sports car the company has offered in, well, ages. The car is aimed at splitting the upscale, small sports convertible/coupe market between cars like the BMW Z4 and Porsche Boxter, and more expensive models like the Porsche 911 and Aston Martin Vantage. The all-aluminum chassis will come strictly as a two-seater, and will be available with a 3.0-liter supercharged V6 that pumps out 380 hp and 339 lb-ft. of torque, or a 5.0-liter V8 with a staggering output of 495 hp and 460 lb-ft. of torque. Surprisingly, the vehicle will only be offered with a ZF eight speed automatic transmission (with paddles at least). However, Autoblog.com suspects that a six-speed manual will be offered by the next model year, possibly on an even hotter R model.

2013 Range Rover

Despite the tight economic conditions still looming in the U.S., those who have the income to fork over big bucks for massive, luxo-SUVs continue to do so. For this reason, Land Rover’s new Ranger Rover needs to maintain its success on this side of the Atlantic. The previous model, which debuted in 2002, was a smash hit, and judging from the tweaked, yet familiar styling cues of the upcoming 2013 model, Land Rover doesn’t want to mess with success. While the 2013 model may look like only a sleeker version of the model it replaces from its profile, a substantially redesigned front head draws styling cues from the company’s radical Evoque, as well as a completely restyled interior. Like most manufacturers, even Land Rover is focused on improving efficiency, as the new chassis loses 700 lbs. thanks to an all-aluminum unibody structure.

2013 Volkswagen Golf

While it may not be as intriguing as the more expensive, luxurious, and sporty offerings mentioned above, the new Golf is certainly the most significant in terms of potential sales figures. The small, sporty-yet-practical hatch has been a hit for 20-something-year-old buyers in the states for decades, and VW needs a strong sales performance from the car in the U.S. to keep up with the company’s goals of being the world’s largest manufacturer, as well as the best in a tough economic climate. The new Golf features a complete redesign and an all-new platform that uses lightweight, high-strength steel. The new steel structure makes the car 220 lbs. lighter than the model it replaces, while growing a half-inch in width, and 2.3 inches in length. Expect the U.S. version to phase out the aging 2.5-liter five cylinder engine in favor of a new 1.8-liter turbo-four as well, along with a turbodiesel variant.

The post The Most Significant European Cars Bound for the U.S. Market at the Paris Auto Show appeared first on CarInsuranceQuotes.net.

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I have a preexisting condition. So what happens if Republicans repeal Obamacare? | Nell Boeschenstein

I have the BRCA1 breast cancer mutation. I also have a file of medical bills that my insurance currently covers because of the law the GOP promises to rescind

I keep good track of healthcare policy conversations. I was and am a supporter of the Affordable Care Act (known colloquially as Obamacare). I’m personally grateful it prohibits discrimination against patients with pre-existing conditions, like BRCA mutations or depression or high cholesterol, because it means that I no longer worry that I’m uninsurable.

I am a healthy 34 year-old woman – but I’m BRCA1 positive, meaning that I’m high risk for breast and ovarian cancers. I pay attention to my health – and my healthcare.

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Things To Be Wary Off When Searching For The Perfect Van Insurance Bargains

Ordering van insurance ought to be a uncomplicated adventure. You see the right (Read more ...)

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Jaguar XE

Jaguar XE first look from Which? Car. Full details of the new compact Jaguar XE saloon, including engines, prices and equipment.

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Jean Chatzky: Maximize airline miles

Frequent flier mile programs are changing for the worse. Use these strategies to maximize your rewards.

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Jean Chatzky: Maximize airline miles

Frequent flier mile programs are changing for the worse. Use these strategies to maximize your rewards.

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3 Stocks Primed To Deliver Stunning Growth Beyond 2015: ARM Holdings plc, easyJet plc And Prudential plc

Royston Wild explains why ARM Holdings plc (LON: ARM), easyJet plc (LON: EZJ) and Prudential plc (LON: PRU) are primed to deliver robust earnings expansion well beyond this year.

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Why car thieves like the cold

Resist the urge to warm up your car while waiting inside because it opens your car to being an easy target for theft.

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I have a preexisting condition. So what happens if Republicans repeal Obamacare? | Nell Boeschenstein

I have the BRCA1 breast cancer mutation. I also have a file of medical bills that my insurance currently covers because of the law the GOP promises to rescind

I keep good track of healthcare policy conversations. I was and am a supporter of the Affordable Care Act (known colloquially as Obamacare). I’m personally grateful it prohibits discrimination against patients with pre-existing conditions, like BRCA mutations or depression or high cholesterol, because it means that I no longer worry that I’m uninsurable.

I am a healthy 34 year-old woman – but I’m BRCA1 positive, meaning that I’m high risk for breast and ovarian cancers. I pay attention to my health – and my healthcare.

Continue reading...

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Record number of peak summer sale flights launched by easyJet

2014-10-08 Record number of peak summer sale flights launched by easyJet Budget airline easyJet has announced that it will be putting a record number of flights on sale for its 2015 peak summer schedule. Some 13 million seats on a record 79,000 flights are set to be made available at a reduced price

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Autonet announces their new affiliate partner TopCashback

Autonet Insurance, one of the UK’s leading van insurance brokers announces a new affiliate partner collaboration with TopCashback.co.uk.

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Hollywood Walk of Fame goes interactive with new app

Hollywood Walk of Fame goes interactive with new app

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Retirement resolutions for 2015

Resolve to manage your retirement planning better in 2015.

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Autonet Insurance launch new mobile technology

Autonet Insurance launch new mobile phone optimised site to enhance navigation and useability. Ian Donaldson and Lloyd Morris-Fletcher comment on the new technology and software used

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Profit From Insurance Industry Consolidation With Beazley PLC, Amlin plc, Hiscox Ltd, Lancashire Holdings Limited And Admiral Group plc

Beazley PLC (LON:BEZ), Amlin plc (LON:AML), Hiscox Ltd (LON:HSX), Lancashire Holdings Limited (LON:LRE) and Admiral Group plc (LON:ADM) are all great plays on insurance industry consolidation.

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Hold on or move on in retirement?

Renting versus buying is another decision. What's available and affordable in the area where you decide to live is a consideration.

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Jean Chatzky: Maximize airline miles

Frequent flier mile programs are changing for the worse. Use these strategies to maximize your rewards.

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DEALING DISCLOSURE - CATLIN GROUP PLC

LONDON--(BUSINESSWIRE)--               DEALING DISCLOSURE       1. KEY INFORMATION   (a) Name of exempt principal trader: BARCLAYS CAPITAL SECURITIES LTD (b) Name of offeror/offeree in relation to whose ...

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How to stop shopping after the holidays are over

Recoup your frugal groove in the new year instead of drooling over January sales.

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Podcast: What’s ahead for stocks?

Hear whether 2015 will be another big year for Wall Street. Does the market have momentum?

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Why car thieves like the cold

Resist the urge to warm up your car while waiting inside because it opens your car to being an easy target for theft.

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Family budgets can crumble in times of trouble

Our Money Pulse survey shows Americans like to budget. Are they ready if a crisis occurs?

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Common Winter Weather Car Maintenance Mistakes

Even drivers who take precautions through proper maintenance can make damage-incurring mistakes. While safe driving practices and regular maintenance are the most reliable ways to protect your vehicle, the only way to foolproof your vehicle this winter is to exercise a little common sense.

Mistake #1. Letting your car run idle to heat up in the morning.

Contrary to popular belief, this is not a good idea. Letting your car run idle to raise the temperature is the most inefficient method to heat your car. It also wastes gas, and it can overwhelm your car’s catalytic converter, which needs high exhaust temperatures to work properly. If you consistently leave your engine idling in cold temperatures for long periods of time, your converter can become “plugged” which will lead to poor gas mileage and dirtier exhaust.

Also, unless you have a garage, leaving your engine running as a way to heat your car generally means that you will be leaving your car unattended. This is not a good idea for the obvious reason that if someone wants to steal your car, the thief will have easy access and a warm ride to the nearest chop shop.

Mistake #2. Leaving your car parked with a low tank of gas.

During cold winter weather, the air inside your gas tank can become moist, which can crystallize and freeze. Keeping a full tank of gas means less air and less chance of frozen fuel lines. If it’s inconvenient to keep your tank full, keep a fuel deicer on hand to add to the gas tank. Either way, it’s best to be prepared. You don’t want to be late for work because you’re waiting for your fuel lines to thaw.

Mistake #3. Using hot water to remedy icy windshields.

Many novice car owners have walked outside during the coldest days of winter only to be perplexed by a sheet of ice that has enshrouded a vehicle. But don’t reach for the kettle because pouring hot or boiling water over an iced windshield can actually cause your windshield to break. This is because the rapid change in temperature for the glass — from freezing cold to scalding hot — causes the glass to expand and contract too quickly, leading to fractures. Instead, use an ice scraper. If you find yourself unprepared, grab a CD, a CD case, a spatula, or a credit card to scrape away that ice.

Mistake #4. Neglecting your tire pressure.

Colder weather means compressed air, which means lower tire pressure. Relying on emergency lights or visibly low tires as clues to keep your tire pressure in check can be dangerous, especially for those who commute long distances to work. Tire pressure must be monitored throughout the winter, as every 10 degree drop in temperature reduces the pressure in your tires by one pound per square-inch (PSI). Keep a pressure gauge and a portable air pump in the trunk to administer on-the-spot tire pressure maintenance.

The post Common Winter Weather Car Maintenance Mistakes appeared first on CarInsuranceQuotes.net.

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Jaguar XE

Jaguar XE first look from Which? Car. Full details of the new compact Jaguar XE saloon, including engines, prices and equipment.

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Discover the beautiful Indian Ocean islands on Saga’s new tour to Madagascar, Réunion and Mauritius

Board a catamaran from Black River to Coconut Island to swim and snorkel in the turquoise waters of Mauritius on Saga’s new Islands of the Indian Ocean tour.

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Elma maharani g 3401413119 macros

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Form 8.5 (EPT/NON-RI) - CATLIN GROUP PLC

LONDON--(BUSINESSWIRE)-- FORM 8.5 (EPT/NON-RI) PUBLIC OPENING POSITION DISCLOSURE/DEALING DISCLOSURE BY AN EXEMPT PRINCIPAL TRADER WITHOUT RECOGNISED INTERMEDIARY (“RI”) STATUS (OR WHERE RI STATUS IS NOT ...

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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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One reason to keep a landline: 911

It's easier for emergency responders to track a call from a landline telephone than from a cellphone, particularly indoors. A landline could do a better job of helping to save your life.

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Most generous donors of 2014

The top donations by Americans totaled more than $3 billion in 2014.

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Problems Of A Good Van Insurance Discount- Things To Refrain From Doing

Looking for the best van insurance policy coverage should really be a very simple experience. You unearth the proper coverage, receive a very good value and have your vehicle covered by insurance. Still even the best tasks provide their personal hazards attached.

Cheap van insurance is a chief instance on this. In writing, it is an easy process, however you need to be wary of potential issues, similar to spending above the odds or even having the flawed sort of policy totally. Consequently to help you avoid any such likely stumbling blocks, here is a information to 5 of the most typical pitfalls that individuals come up with when buying or renewing their van insurance coverage policy.

1. Providing Incorrect Data.

Vans are usually designed as multi-purpose vehicles. Therefore the actual insurance that protect them must provide account considering all of these likely functions. This may give a a number of difficulty to the applying course of and should even lead to unnecessary issues being prepared in the info a person present.

For instance, should you fail to call an everyday driver of your vehicle or perhaps declare that it is used for a purpose when it's truly used for another, this will cause major matters. Bearing in mind that insurance coverage is a authorized requirement, in case your coverage is undoubtedly invalidated through mere inaccuracies, it's possible you'll experience more considerable issues compared with simply discovering it slightly difficult to make a successful compensation claim.

2. Never Checking Your actual Cover Before Restoring It.

A 12 months period is usually a very long time within the lifetime of a vehicle and a corporation. Various matters can modify during this era, a few of which may need to be reflected within your insurance coverage. Lack of ability in order to correctly replace the particulars might lead to lots of the problems featured in the earlier part. Whilst an inexpensive offer may be just what you are after, in the end you need to possess vehicle insurance that can truly provide you with the cover you desire.

Subsequently be sure you spend time to assessment your current renewal request consider this as a chance to create just about any necessary modifications simply whether it is just a trivial modification as part of your expected twelve-monthly mileage or adding a new individual. Use your current coverage as a sign after which make modifications to accommodate. Modifying it throughout the time of your policy can end up costing you a typical payment each occasion, therefore it is price doing it whenever you will have the opportunity.

3. Not Bothered To Take A Look At the Quotations Of Other Insurers.

Whilst you could be glad together with your current insurance firm and have received a decent offer for your new policy, which can in no way mean that it will possibly definitely not possibly be improved upon somewhere else. Get on-line and investigate. Use your same particulars along with a variety of van insurers and determine everything that is offered for your needs plus pick out where savings might be generated without the need to lower your stage of cover.
It is easy to undertake, and because of the Internet, it is amazingly reachable as well as quick as well. So there is absolutely no excuse for paying extra for a similar policy by way of ignorance.

4. Assuming They Are Of Similar Quotations Together With Other Insurance Organizations.

Certainly, there are apparent same things amongst the two forms of cover; however, there are additionally an identical quantity of variations that will mark them apart. For those who usually are not necessarily cautious you possibly can skip essential knowledge (once more, as specified within the first part) or even depart yourself seriously under protected. Perceive your main car, actually is used for, where it is actually kept as well as whom might be utilizing it. Only by finding these right would you have a coverage that really gives the coverage required.

5. Buying Excess Amounts Or Too little Advised Add On.

For those who panicking that you simply had not implemented the correct particulars or maybe exaggerated the extent of cover that you wanted, you are way more likely to fork out greater than is actually strictly obligatory on your insurance cover. In the event you hadn't applied beforehand, consult any individual that has to obtain advice and even get in touch the insurance organisation for them to guide you through the appropriate procedure. A telephone query is usually a great way to question issues while you actually go alongside, so long as you have all the knowledge handy obviously.

Provided you're absolutely serious pertaining to discovering the perfect achievable cheap van insurance offer then you should just keep clear of these kind of obstacles. On the grounds that these tendencies are sure to discourage you from your preferred target- to save funds with your van insurance rates. Presently there are alternative effective selections to adopt any time you are wanting for alternatives to pay off a much lower van insurance insurance rate- 6 month van insurance, less expensive van insurance quotes and also cheapest car insurance quotes as well as many other van insurance comparison techniques.

Useful Links:
http://www.cheapestvaninsurance.org/
http://www.cheapestvaninsurance.org/one-day-van-insurance.html
http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html
http://www.cheapestvaninsurance.org/van-insurance-comparison.html

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Director/PDMR Shareholding

LONDON--(BUSINESSWIRE)-- RSA Insurance Group plc Transactions in shares by Persons Discharging Managerial Responsibility (“PDMRs”) Ordinary Shares of £1 each 09 January 2015 On 08 January 2015, RSA Insurance ...

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Why live on a budget?

Discover how evaluating your spending and saving habits can make a difference in your life.

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

While many people need cheap van insurance (

[Error: Irreparable invalid markup ('<a http://thomas1975.insanejournal.com/1248.html">') in entry. Owner must fix manually. Raw contents below.]

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How to get cheap van insurance quotes Read more here.. Where to get cheap quotes Check out more... When to obtain new quotes

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Reasons To Insure Your Vehicle Every Time?

Basics of vehicle insurance throughout England

Motor insurance insurance rates have gotten so high that motorists shy away from the topic of  it. Certainly not because of the stress of restarting their insurance policy after expiration, but rather means of how they must 'hand out' their next payment.

Throughout the years, vehicle insurance policy has been on the rise- it has presently develop to be a portion of 'household' overheads and obtaining a less costly premium is undoubtedly speedily getting to be an illusion compared with reality. Regardless of how costly vehicle insurance charges could be- they're still crucial for driving any automobile on the road. 

Can we definitely manage to drive with no a coverage?

In certain countries around the world, it's a driving or criminal offence to operate a car without having an insurance coverage. Throughout the UK for instance, the law enforcement specialists are always on the look out to ensure drivers possess appropriate insurance coverage for the vehicles they utilize. The benefits of having a policy include:

Offer safeguard against injury claims from 3 rd parties wanting to claim from you if you happen to be the major cause of the crash- but since you are covered from 3rd party lawsuits, your policy would pay out instead of leaving you out of pocket . 

Also, it's unlawful in the united kingdom to use a car with no current insurance cover- offenders can aquire endorsements on their driving licence, get a fine, be banned from driving a vehicle, as well as imprisoned for serious and different situations.

Disadvantages of obtaining no policy whilst driving a motor vehicle

Don't have an insurance, you shouldn't drive- it's not worth the repercussion. These are the consequences of driving without a reasonable car insurance coverage: 

• You may incur endorsements on your licence which may hinder your ability to secure a job that involves driving or even risk losing your licence all together.
• Bans are often given to drivers without a valid insurance coverage on their vehicle, however, large fines do accompany these fines depending on the degree of the offence.
• Offenders do get minimal or massive fines which will depend on how severe the offense might be- some offence may carry up to a maximum fine of £3000 if it endangers life or property. 
• It might be astonishing, but people do get imprisoned in some special situations.

Points to take note of when purchasing a car insurance cover

It can be rather confusing for new and young drivers trying to buy an insurance policy for the first time. With all the complicated terms, words and policies, experienced drivers might need to explain these policies to them in plain and simple language. Even so, some important criteria will have to be acknowledged before buying the policy. These are primary factors to consider: 

• The 3 levels of cover you can select from includes: comprehensive, third party fire and theft and third party only. 
• Your level of excess is a major determining factor on your premium- the higher your excess, the lower your premium respectively.
• Compare quotes by shopping around. Quotes differ from one insurance company to another- the more insurers you approach the more likelihood of you getting a cheaper premium.
• Always observe the special conditions that applies to your policy- whether you're protected when you drive within other European countries, are you entitled to a courtesy vehicle should your car be out on repairs? are you allowed to drive other cars with the owners permission? 

How to get discounts from your premium

There is no cheapest vehicle insurer out there. Basically, there are overwhelming variables that can influence the cost of vehicle insurance coverage: a few of these factors are- who you are, where you live, what work you do, the type of car you drive, your driving record for the last couple of years are all major components that would determine what price tag an insurer place on the policy. Your major challenge will now be to search for the cheapest car insurance deal possible by:

• Buying a vehicle within lower car insurance groups. Some examples of cars within the low insurance group bracket includes: Vauxhall Corsa, Fiat Punto and Nissan Micra because of their small engine sizes. High insurance premiums are allocated to bigger engine cars while smaller engine vehicles attract lower premiums.
• Increasing your level of excess would inadvertently reduce your car insurance premiums quiet significantly. voluntary excess is the amount you pledge to contribute in the event of an accident while compulsory excess is what you must pay out. Try not to inflate your the amount too high unless you're comfortable paying it.
• Securing your vehicle in a locked up garage every night limits the risk of theft and damage. Minimizing the risk of criminal damage, burglary and theft should enable your insurer offer you cheaper premiums in return. 
• Install security systems like alarms, immobiliser and even trackers.
• Using price comparison websites to shop and compare quotes helps you save money and valuable time- websites like Websites enables you to compare up to 110 companies within a few minutes, all done by filling one quote form.

Where to obtain cheap quotes

Discovering affordable premiums can some times become mission impossible. Some of the most ideal ways for uncovering cheap premiums is to keep comparing quotes from different insurance companies as well as minimizing your risk factor (your insurers perceived risk about you).

There are so many insurance packages that insurance companies offer to motorist, the package you request would depend on the quote form you're given, typical examples are: quotes for www.cheapcarinsurancex.org/cheap-car-insurance/student, www.cheapcarinsurancex.org/cheap-car-insurance/green, pay as you go car insurance for 18 year olds and many more.

Finishing thought on motor insurance

It will be more expensive to drive your vehicle without any suitable insurance protection rather than when you own a suitable cover: If you're in an accident that was your negligence, without having insurance policy, you will risk being accused of damages by third parties and the cost of pay outs could become too much to handle if you do not have the financial means. Legal claims from those affected by the accident, your car getting seized or scraped and settling 3rd party litigations are all typical instances of peril drivers can are up against for not insuring their car.

Conversely, insuring your motor car only gives you reassurance and away from issues. Refrain from driving a vehicle that's without insurance.

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One reason to keep a landline: 911

It's easier for emergency responders to track a call from a landline telephone than from a cellphone, particularly indoors. A landline could do a better job of helping to save your life.

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Technology developments will be key for ooh in 2015

On the back of a great 2014, the OOH sector is hoping to build on its success in the coming year too. With political stability in the centre and certain sectors like automobile and telecom once again ready to spend, agencies are expecting ad spends to increase even further this year. However, there are still some hiccups with traditional spenders like retail and real estate. Sanjeev Gupta, MD of Global Advertisers, says there is enough existing, ready to sell real estate stock to last two years. This coupled with liquidity crunch and high lending rates have made the going tough for the real estate sector, he claims. “These factors are at work across all important sectors like retail, manufacturing, jewellery and apparel, electronics and banking. One expects these conditions to prevail for the better part of next year. The most important response from the advertising industry to these challenges has been a willingness to craft campaigns that are shorter, cost-friendly and also make concessions in bill settlement schedules for clients,” he opined.

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Helping seniors is a SNAP

A $1 donation to the Supplemental Nutrition Assistance Program (SNAP) provides up to $60 in benefits to seniors.

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Common Winter Weather Car Maintenance Mistakes

Even drivers who take precautions through proper maintenance can make damage-incurring mistakes. While safe driving practices and regular maintenance are the most reliable ways to protect your vehicle, the only way to foolproof your vehicle this winter is to exercise a little common sense.

Mistake #1. Letting your car run idle to heat up in the morning.

Contrary to popular belief, this is not a good idea. Letting your car run idle to raise the temperature is the most inefficient method to heat your car. It also wastes gas, and it can overwhelm your car’s catalytic converter, which needs high exhaust temperatures to work properly. If you consistently leave your engine idling in cold temperatures for long periods of time, your converter can become “plugged” which will lead to poor gas mileage and dirtier exhaust.

Also, unless you have a garage, leaving your engine running as a way to heat your car generally means that you will be leaving your car unattended. This is not a good idea for the obvious reason that if someone wants to steal your car, the thief will have easy access and a warm ride to the nearest chop shop.

Mistake #2. Leaving your car parked with a low tank of gas.

During cold winter weather, the air inside your gas tank can become moist, which can crystallize and freeze. Keeping a full tank of gas means less air and less chance of frozen fuel lines. If it’s inconvenient to keep your tank full, keep a fuel deicer on hand to add to the gas tank. Either way, it’s best to be prepared. You don’t want to be late for work because you’re waiting for your fuel lines to thaw.

Mistake #3. Using hot water to remedy icy windshields.

Many novice car owners have walked outside during the coldest days of winter only to be perplexed by a sheet of ice that has enshrouded a vehicle. But don’t reach for the kettle because pouring hot or boiling water over an iced windshield can actually cause your windshield to break. This is because the rapid change in temperature for the glass — from freezing cold to scalding hot — causes the glass to expand and contract too quickly, leading to fractures. Instead, use an ice scraper. If you find yourself unprepared, grab a CD, a CD case, a spatula, or a credit card to scrape away that ice.

Mistake #4. Neglecting your tire pressure.

Colder weather means compressed air, which means lower tire pressure. Relying on emergency lights or visibly low tires as clues to keep your tire pressure in check can be dangerous, especially for those who commute long distances to work. Tire pressure must be monitored throughout the winter, as every 10 degree drop in temperature reduces the pressure in your tires by one pound per square-inch (PSI). Keep a pressure gauge and a portable air pump in the trunk to administer on-the-spot tire pressure maintenance.

The post Common Winter Weather Car Maintenance Mistakes appeared first on CarInsuranceQuotes.net.

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Wal-Mart launches gift card trade

The big box retailer is partnering with CardCash to let consumers exchange unwanted holiday gift cards from different merchants.

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