Wednesday 31 October 2012

Five car insurance secrets

Car insurance can be pretty confusing. Discover five things you might not know about your policy.

With new car number plates released in September, many of us might be in the market for a new or second-hand car at the moment.

Many of those buying a new car may also be looking to take out a new insurance policy. If you’re shopping around for a policy, it makes sense to become acquainted with all the loopholes and technicalities or you might not be covered when you need to claim.

Here are five facts you might not know about your policy.

1. Being too trusting can cost you dear

Your insurance company may not pay out if you fall prey to a fraudster when selling your car.

This deception clause covers any number of fairly common scams. For instance, the insurer might not cough up if a buyer pays for the vehicle with a cheque that bounces or tricks you into parting with your car during a test drive.

Also, you may not be protected if you purchase a stolen vehicle that is subsequently returned to its legal owner.

2. You may not have comprehensive cover abroad

A comprehensive insurance policy provides the most extensive cover if you’re driving in the UK. Once you leave British roads and head to the Continent, however, you may find your protection plummets.

For instance, some insurers only offer third party cover abroad even if you have a comprehensive policy in the UK. Other companies only pay out if you have provided advance warning you’ll be driving in another country.

Before you head off on holiday, it would be wise to check your policy’s fine print. If you visit the Continent frequently, you might also want to consider adding European cover as an extra feature.

3. Your job could push up your premiums

If you’re filling in a car insurance application, you’ll almost certainly be asked for details of your profession. How you answer this question could have a significant impact on the cost of your premiums.

If your job involves an element of driving you could pay more for car insurance. Statistically, the more time you spend on the roads, the more likely you are to be involved in a collision. Even midwives who drive to home births could face higher premiums.

4. Your premiums can still go up if you protect your no claims

With no claims discounts (NCD) offering significant reductions on premiums, the idea of protecting your NCD may well be appealing. However, this doesn’t necessarily prevent your premiums from increasing if you have an accident.

Insurance companies may still take the accident into account as part of your driving record when calculating your premiums – although you will still qualify for the discount, the underlying premiums will be higher.

5. Paying monthly could be more expensive

Some insurance companies hike their premiums for customers who pay in monthly instalments.

To keep costs down, it might be worth paying in one lump sum. If your finances won’t stretch to the full amount, you could try paying with a credit card that has 0% purchasing power.

With the Tesco Clubcard Credit Card, for instance, you won’t pay any interest on purchases for a market-leading 16 months.

**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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Hold half your emergency money in a Roth IRA?

You need an emergency fund but don't need it all in cash. A Roth IRA is just one alternative.

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Hot Car Deals, 03 August 2012

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

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Tuesday 30 October 2012

Mountain Insurance Brokers Expands to La Junta, Colorado

Mountain Insurance Brokers Expands to La Junta, Colorado
This includes Auto Insurance, Life Insurance, Health Insurance, Homeowners Insurance, Renters Insurance and Business Insurance. With many years of experience Paula has helped many families and businesses throughout the south east corner of …
Read more on Equities.com

Auto Insurance Quotes For High Risk Drivers-Learn How To Get A Good Quote
“It could be possible to find the auto insurance for high risk drivers with bad driving record these days. Some online companies offer such insurance solutions to help buyers with bad driving records insure vehicles. Their eligibility guidelines could …
Read more on TheDay.com

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Aviva suffers fresh blow amid S&P downgrade

Rating agency Standard & Poor’s questions chairman’s plans to shake up business

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Mileage to be stated on MOT certificates

Vehicle and Operator Services Agency (VOSA) have announced that MOT certificates will now state a vehicles mileage to prevent clocking.

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Monday 29 October 2012

Ford sets blistering Nürburgring time with EcoBoost Formula Ford

Ford Europe

Fresh off their 2012 International Engine of the Year award for its new 1.0-liter EcoBoost engine, Ford continues to push the development envelope for its newest engine. Yesterday, the company announced that a one-off, road-going Formula Fordrace car, powered by the esteemed EcoBoost mill, set a blistering pace of 7 minutes and 22 seconds at the famed Nürburgring Nordschleife circuit. The time for the purpose-built race car bested even the multi-hundred thousand-dollar exotics, like the Lamborghini Aventador, Ferrari Enzo, and Pagani Zonda, all of which pack 600+ horsepower. No other three- or four-cylinder car has ever posted a faster time at the circuit.

The mighty little Ford was able to best the exotics through months of preparation from Ford Engineers who worked to switch the Formula Ford’s usual 178 hp, 1.6-liter EcoBoost four-cylinder to the specially prepared 202 hp, 1.0-liter three-cylinder. The project team also had to modify the race-only chassis so that it would be fully street legal for on-road use on the Nordschleife circuit, since the track is technically classified as a toll-road in Germany. To do so, the team fitted the car with wheel covers, front and rear lights and indicators, aerodynamically designed wing mirrors, and a horn. The car was also fitted with a 6-speed manual transmission and was driven on road-legal tires instead of the racing slick tires the car would normally be fitted with when in full racing trim.

The team’s engineers estimate that the vehicle can reach a top speed of 158 mph, as well as achieve 0-60 mph in less than four seconds. The team also recorded phenomenal fuel economy during in-house testing that showed 118 mpg at 35 mph, and 57 mpg at 75 mph. The tiny, fuel-sipping 1-liter EcoBoost was helped by the Formula Ford’s lightweight and aerodynamic chassis.

After achieving such phenomenal results in testing and on track, Ford of Europe’s Vice President of Marketing and Sales, Roelant de Waard, proclaimed that there was no better way to show the amazing capability of the 1-liter EcoBoost than by beating some of the best supercars in the world on the Nordschleife, while only using a fraction of the fuel.

Unfortunately, the 1.0-liter EcoBoost-powered Formula Ford isn’t available to buy, and Ford has yet to release information as to when we might see the power plant in U.S.-spec production. But the European Ford Focus equipped with the new engine is already proving to be in a hit in Europe, and approximately 30% of new Focus buyers in Europe have opted for the 1.0-liter EcoBoost variant since it has hit showrooms.

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Hot Car Deal – Mazda 3

Hot Car Deal: We've found some great deals on the Mazda 3, including £3,250 off our Top Choice model.

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SAGA COMMENTS ON EQUITABLE LIFE RALLY

Dr Ros Altmann, Director-General of Saga, comments on today's Equitable Life rally:

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Sunday 28 October 2012

Money market account and rates in Lewes, Delaware

Money market accounts don't have the greatest yields right now. The national average is currently at 0.12 percent. Fortunately, there are some credit unions and online banks offering better deals. Use our research to find a money market account and rates in Lewes, DE, and in other areas of Delaware, today.
MMAs can be a good

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Fed noiselessly keeps rates low

Interest rates will remain painfully low for savers, while borrowers who qualify will find the mortgage rates of a lifetime. Credit card rates will remain low, as will car loan rates.

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Young people 'priced out' of pubs

Over 8,000 pubs across the UK have closed in the past seven years, coinciding with a drop in the number of young people drinking in local watering holes, according to research.

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Friday 26 October 2012

CD rates in Charleston, South Carolina

The average one-year CD rate is currently at 0.3 percent, which isn't much to take home. But there are still some institutions offering better-than-average rates. Credit unions and online banks, for example, tend to post higher yields. Use our research to find the best CD rates in Charleston, SC, and in other areas of South

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Insurers pay £200 million a day to customers

The Association of British Insurers has published figures in their UK Insurance-Key Facts revealing how much money is paid out to UK customers each day.

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Top Four Van Insurance Coverage Cash Saving Suggestions

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

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

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

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

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

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

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Thursday 25 October 2012

Six top money-saving websites

From bidding in police auctions to avoiding expensive premium rate numbers, logging on can be a fantastic way to keep costs to a minimum.

Since the advent of price comparison sites and online vouchers deals, many savvy Brits are reaping the financial benefits of spending time online.

With this in mind, we’ve rounded up six of our favourite money-saving websites.

1. Bumbleebee Auctions

This is an official online auction site to sell lost or stolen items that have been recovered by police and can’t be reunited with the rightful owners.

With objects for sale including cars, motorbikes, mobile phones and an intriguingly-titled ‘miscellaneous’ category, it could be worth taking a look if you’re keen to find a bargain.

Even if you don’t make a purchase, you could satisfy your curiosity about the kind of items that end up on the site.

2. Say no to 0870

Ringing premium rate 0870 numbers can cause your phone bill to sky rocket. If you do need to contact a company with one of these numbers, check out Say no to 0870.

When you enter the name of the company, the site provides a list of cheaper alternatives numbers.

3. Split your ticket

You’ve probably heard of split ticketing – the idea that you can pay less for a train journey if you split your trip into different legs and pay for each portion separately.

As long as the train stops at all your departure and arrival stations, you’ll normally be able to stay on the same train.

In theory, an officious member of the train staff could force you to get off and back on again, but this is pretty unlikely.

If you think this sounds a little too labour intensive, you can enter the details of your journey into Split your ticket. The site then suggests possible ways in which you can split your journey and details how much money you could save.

4. The Energy Saving Trust

For many Brits, the rising cost and gas and electricity is one of the biggest financial worries.

In fact, ‘big six’ energy supplier SSE recently announced its decisions to increase prices by 9%. If past trends are any indication, it may not be long until other providers follow suit.

If you’re worried about rising utility bills, it could be wise to try to cut your gas and electricity use. The Energy Saving Trust website contains a variety of tips on how to reduce your energy consumption, which may also cut the cost of your bill.

5. mySupermarket

Trudging round the supermarket on a Saturday afternoon is nobody’s idea of a good time. With shopping website mySupermarket.co.uk, however, you could cut both your anxiety and food bill.

This site compares the prices of thousands of items sold at Tesco, Sainsbury’s, Asda and Ocado and allows you to buy your groceries from the store with the lowest prices.

6. BeatThatQuote.com

Of course, it wouldn’t be right to finish without a reference to our favourite money-saving website, BeatThatQuote.com. Here, you’ll find the latest financial news and information on top money deals.

If you’re inspired to spend more time on the internet, check out Three ways to make money online.

**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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Sporting registration plates to go on auction

From Thursday June 7th, the DVLA will be auctioning some of its most coveted personalised registration plates- and they certainly come at a price. In the past decade, football related number plates have sold for thousands in auction: ‘WE57 HAM’ (£57,000), ‘AR53 NAL’ (£36,000), ‘V1LLA’ (£35,000). This year’s auction will see ‘FU1 HAM’ go under the hammer, perhaps another dedicated fan will become the proud owner of this number plate.

As an official licensee of London 2012, the DVLA will also be auctioning new Olympic Games related plates: ‘2012 OG’, ‘GO11 DEN’. These are sure to go for particularly hefty sums as well, as prized mementos of this exciting event.

So if you’re thinking of bidding for one of these fabulous registration plates, you’ll want to be saving a little elsewhere – be sure to compare van insurance with The Van Insurer and find the cheapest van insurance quote for you.

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Chevrolet Trax

The Trax, unveiled at the 2012 Paris Motor Show, is one of many new mini SUVs and is Chevrolet’s version of the Vauxhall Mokka.

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Wednesday 24 October 2012

Insurers pay £200 million a day to customers

The Association of British Insurers has published figures in their UK Insurance-Key Facts revealing how much money is paid out to UK customers each day.

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BRITAIN’S OLYMPIC BOUNCE IN HAPPINESS & WELLBEING

• Saga Quarterly Report shows how Britain’s golden summer lifted the nation’s mood
• SMILE index turns positive for all over 50s
• Happiness index also positive for sixty-somethings and women
• Saga calls on policymakers to capitalise on ‘feel good’ factor

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Does The Bull Market Start Here?

Whisper it softly, but the world economy, which has been in horrendous trouble for the past five years, seems slowly to be healing.The US unemployment rate has finally fallen below 8%. The UK unemployment ...

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Tuesday 23 October 2012

Welcome to Enjin!

Welcome to your new website! This post will serve to introduce some of the advanced features and customization options Enjin offers.

Editing your website content quickly.
You can quickly edit anything you see on your website by clicking "Quick Edit" in the top left area. After clicking “Quick Edit” you will notice “Edit” links appears above each module. Click “Edit” to quickly edit the content and settings.

Adding new content & pages
The layout editor allows you to add or move content, make new pages, change columns and much much more. Click "Edit Layout" in the top left area of your website to begin. Please also watch the layout editor video help.

Recruitment & applications
Create application forms with any type of questions and items by editing your application form module. To set the specific ways you wish to handle user registration go to your admin > settings > user registration. Submitted applications will appe...

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Mortgage rates in Sacramento, California

 Looking for assurance that you’ll find the best mortgage rates in Sacramento, CA? Then check out our site. We provide all the guides, tools and calculators needed to make an informed decision. Rates can change throughout the day and week, but our easy search function allows to you to check local mortgage rates in Sacramento and throughout

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What is a Diminished Value Claim?

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

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

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

Pursuing a Diminished Value Claim

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

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

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

History on Your Side

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

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Monday 22 October 2012

How To Get The Best And Affordable Van Insurance Cover For You A

Investing in vans or similar vehicles has resulted in many businesses doubling or even tripling their profits because of the role these vehicles play. No matter the type of vans employed in the running of a business, the law requires that every vehicle must be covered with an up to date insurance policy before being driven on the roads or used for any business activity.

Getting the right insurance coverage for a van can become extremely expensive for businesses, especially those requiring fleet insurance for their numerous vans. So what are the most effective ways for lowering van insurance costs?

Whether renewing your current policy or buying a new policy, one of the most efficient ways for lowering your premium is to take the time out to compare different quotes from insurers. In this day and age, the way we search for information has been greatly influenced by the advent of the internet, and so provide the best place to begin your search for the least expensive van insurance quotes.

Take Time Out To Begin Your Research Online

The days of painstakingly calling and dealing with several insurers at a time to compare quotes are now over. Comparing quotes one by one is a boring and tedious way of getting cheap quotes, but with the use of comparison websites, you can get dozens of quotes within minutes thereby saving you time, energy and money . You would be able to gain access to numerous quotes from different insurers once you complete the form.

However though, not all quotes will be suitable for your needs, you will discover that some insurers will be in a much better position to provide you with a decent level of cover at a low cost rate . Before you completely commit to the insurance quote, it's always advisable to call the insurer and discuss the terms of the policy and to see if you can even get a reduced rate for the policy.


While the net is one of the best places to commence your search, calling the quote provider to lower the quote even further is an ideal strategy to getting the cheapest premium possible. It's a great way to discover exactly what's contained within the policy cover you're buying and, most importantly, what they do not include. After giving the insurance company any new information regarding your policy, they should now be in a much better state to give you their final quote.

Discuss Your Policy In Detail By Phoning The Insurer

Van insurance being a specialist type of insurance cover can be rare in comparison to all other known insurance. Not every insurance company would offer cheap policies, in particular competitive premiums. Often times, motorists prefer to go with the easy option by dealing with previous insurers they used in the past instead of trying new insurance companies. Nonetheless, if you're serious about obtaining cheaper premiums you might just want to go deeper.

Being satisfied with your current insurer doesn't mean you cannot go out there looking for better bargain premiums, there's a lot to be gained by shopping around and comparing quotes. Not a lot of motorists understands that finding cheap quotes can be inexplicably very easy, what ever type of approach you adopt in finding bargain insurance quotes, your desired outcome is within your grasp.

Getting a cheaper quotation from an insurer, you can persuade other insurance companies you approach to beat that particular quote thereby making your premium even cheaper on the long run. Insurance companies are in no obligation to change the quote they've given you, when approached most will categorically decline your request, but it's just a good way of establishing a medium of communication between you and the prospective insurer.

Proposed Changes To Your Coverage

Bare in mind that your utmost goal is to lower your premium quiet considerably, so you should decide what part of your policy is needed and what's not, in order to maintain a balance between reasonable premium and adequate cover. Some policies might include other products you really do not need, for instance, step up cover, protected no claims bonus (PNCB), personal injury cover, third party injury cover, European cover, legal expenses cover and so on. There is no need allowing them in your policy when you do not need them.

Obtaining a cheap van insurance premium entails taking out any unwanted extras withing the policy so you can pay for what you require only- thereby saving you money. Don't go increasing your level of excess by an insane amount, just make sure you aren't paying for unwanted add- on. Getting rid of all the unwanted optional extras from your policy will help you save loads.

In a nutshell, you cannot discover cheap van insurance quotes or premiums if you do not take out time to commit towards finding it. Irrespective of you conducting researches that involves you calling your prospective insurer or getting quotes from numerous insurers, there are many different choices you could make to get you the right outcome.

Resources:
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Understanding Your Car Insurance Policy’s Terminology

It is important for drivers to understand the terminology that is in their car insurance policy. It can be confusing to learn all of the terms so let us explain several of them so that you can get a firm grip on how to handle your policy.

The first term is surcharge. Many people incur surcharges and are unsure of why they have occurred. Basically, a surcharge is an increase in your insurance premiums. It happens because of an infraction such as getting a traffic ticket or causing a car accident. You can try to appeal a surcharge if you feel that you received it when you should not have.

The second term is step down. Some car insurance companies have something called step down provisions. These are provisions that are in some policies in which if someone who is not listed on your car insurance policy gets into an accident then your liability insurance coverage will get dropped down to the state’s minimum provisions.

This can end up costing drivers a lot of money if they let someone use their vehicle when they should not have and they wind up causing an accident. It is important to know in advance if your car insurance policy has this type of provision in it.

The third term is emergency responder fee. Some cities and towns allow emergency responders to charge a fee for their services. For example, if you are in a car accident and an ambulance came to help you then they could bill you a few thousand dollars for their services.

This fee could end up being yours to pay if you have liability only insurance or have a deductible. It is important to know if your car insurance company will cover these fees so check with them in advance.

The final term is SR-22. A SR-22 is a form that drivers must get if they have are high risk driver. These are typically for people who have been arrested for DUI’s or who have been caught being uninsured or those who have caused accidents. The form basically says that they will take responsibility for being insured at all times.

When a person must get a SR-22 they have to stay insured or they will potentially lose their driving privileges. If you have been told that you have to get a SR-22 then contact your car insurance company immediately. It pays to read your insurance policy carefully. You never want to be caught off guard if an accident happens so read your policy today and speak to an agent if you have any concerns.

Understanding Your Car Insurance Policy’s Terminology is a post from: Cheap Car Insurance News Blog

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Van operator licensing legislation passed in Northern Ireland

The Goods Vehicles Licensing of Operators Transport Bill submitted by Environment minister Alex Attwood has been passed by the Northern Ireland Assembly. This legislation is something which the Freight Transport Association has campaigned for, for many years.

Put into action, this system will extend Operator Licensing to all operators of commercial vehicles exceeding 3.5 tonnes. It is designed to improve road safety and environmental standards, whilst helping to nurture fairer competition through tackling organised crime. Legislation of a similar nature has been enforced for many years throughout England, Scotland and Wales. Therefore, this decision will bring Northern Ireland in line with the rest of the UK.

Tom Wilson, head of FTA policy, Northern Ireland: “The final hurdle has been cleared and the much needed legislation has now been approved…We acknowledge the Minister’s support and commitment to making this important piece of road safety legislation a reality.”

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Sunday 21 October 2012

Tighter rules for some borrowers

Condo buyers and self-employed borrowers may soon have to jump through additional hoops to get a mortgage.

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Package holidays becoming more popular as DIY breaks slump

When it comes to planning a trip overseas, many holiday insurance customer would rather opt for a package deal than organise their travels themselves.

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Mortgage rates in Kansas City, Missouri

Moving and looking for mortgage rates in Kansas City, MO? Let our site assist you by providing tools to help you make your decision. Mortgage rates can change throughout the day and week, but our easy rates search function allows you to check local mortgage rates in Kansas City and throughout New Missouri. 
Rates are subject to fluctuation throughout the day

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Saturday 20 October 2012

Sick of rising bank fees? Go small

Free checking is on the decline and fees are rising at large banks, but that's not as true at credit unions and small banks.

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London close: Stocks hold on to gains despite Eurozone uncertainty

Chinese data and US figures lift sentiment; all eyes on Spain and Greece ahead of EU summit; Citi economist predicts 'Grexit'.

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Welcome to The Website!

This particular one is just freshly installed or under heavy development. Want one too? Go to Sauropol.com and sign up for free website!

Are you the site owner? To log in, type /editor after the site URL or head to www.sauropol.com/login.

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Friday 19 October 2012

Can you score a cheap rate for life insurance?

Are you a good risk or a bad risk? Life insurance ratings answer that and help set premiums.

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Motorists urged to be aware of MOT printouts

The Trading Standards Institute has spoken about the potential issues MOT printouts can cause when purchasing a new vehicle.

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SAGA SUPPORTS KINGS FUND REPORT INTO OLDER PEOPLE AND EMERGENCY BED USE

Commenting on the Kings Fund report into older people and emergency bed use, Ros Altmann, Director-General, Saga Group says: We whole-heartedly support the findings of the Kings Fund report, it backs up what we have been saying for some months.

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Thursday 18 October 2012

Drain retirement fund to pay debt?

Cut spending rather than tap retirement savings to pay off credit card debt.

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Retirement planning in Rochester, Minnesota

On the lookout for tips on retirement planning in Rochester, MN? Raise your strategy and let our site do the work for you. Use our tools, calculators and guidelines to satisfy all your retirement planning needs. Consider investing in a money market account as a safe and secure vehicle for retirement planning in Rochester, MN.
Check out our money market account comparison tools

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University students urged to protect their belongings

Students leaving for university are being urged by the Association of British Insurers to protect their belongings with the correct insurance cover.

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Wednesday 17 October 2012

London & South East goes 'al desco'

Since the Olympics began last weekend the number of people working from home in London and the South East has shot up by nearly a third, according to new data.

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PPI 'win' cost me £1,090 in interest on my credit card

Redress Claims deducted £3,190 for £195 win … then took another £139

I received a call from Redress Claims in May last year, offering to win me compensation for mis-sold payment protection insurance. They told me they operated on a no-win, no-fee basis. Their terms and conditions said they would charge a fee no higher than £495. But when my credit card statement arrived they had deducted £3,190. As a result, I accrued £1,090 interest on the card, the payment method they insisted on.

DT, Ware, Herts

You've misread their terms and conditions; they charge up to £495 for each credit check and then expect 25% of any compensation you receive, although it claimed 100% of one £36 award. What the company does to earn these huge sums for claims people can make themselves for free is a mystery and will remain so because Redress Claims phone lines no longer accept incoming calls due to "high demand" and when my email is finally answered by a third-party business management advisory company, Scott Roberts LLP, that question remains unanswered . But Redress Claims does very well out of its business for you tell me it won for you a total of £195 in compensation, £139 of which it deducted for itself. This is in spite of its own terms and conditions which promise not to pursue claims where the likely compensation would be worth less than the fee. Roberts merely tells me that its client has suddenly discovered, 17 months on, that you were not eligible to make several of the claims for which you've presumably paid (it claims you failed to return some paperwork) and it will refund you all but the cost of your claim for missold mortgage PPI. It doesn't specify how much this will be. Redress Claims, along with similar firms, is licensed by the Ministry of Justice which, in response to previous complaints, has imposed conditions, including an obligation to issue an invoice and receipt when any money is debited from a customer. You say you received neither. Redress Claims is under investigation by the authorities and if malpractice is discovered, the outcome can be new conditions governing its trading, temporary suspension or withdrawal of its licence. In the meantime, you could claim for the £3,000 against your card issuer which is held jointly liable for disputed transactions under Section 75 of the Consumer Credit Act.

Mark King is away. If you need help email Anna Tims at your.problems@observer.co.uk or write to Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU. Please include an address and phone number.


guardian.co.uk © 2012 Guardian News and Media Limited or its affiliated companies. All rights reserved. | Use of this content is subject to our Terms & Conditions | More Feeds

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7 Tips for Buying a Vintage or Classic Automobile

Collector cars include both vintage and classic cars. “Vintage” refers to cars made from 1919 through the 1930s, the Ford Model T being one popular example, while “classic” refers to cars made post-World War II on up to the 1970s. Cars made just 20 years ago can be collectible as well. Buying vintage or classic cars can be a truly intimidating and somewhat complicated process. We know you’re imagining the looks from your neighbors as you cruise the streets in a restored beauty, but before you run out to an auction with check book in hand, take a look at these seven tips for buying a vintage or classic automobile.

  1. Know where to look:

    To get an idea of what kinds of vintage and classic cars are available on the market, visit Hemmings Motor News and Sports Car Market and check out their listings of cars for sale. Find out if there’s a car club near you or a car show or auction coming up in your area where you can meet experienced car collectors and ask them for advice. Check out the websites for RM Classic Cars and Dan Kruse Classics for car auctions scheduled around the country.

  2. Ask yourself “How popular is the model?”:

    Understanding which vintage and classic car models are popular and considered collectible will help you decide what you want to purchase and why, as well as how much you’re going to have to spend. Generally speaking, you may find that maintaining and repairing a less-popular or rare car is especially difficult simply because there is little interest in the car among collectors. If selling and making a profit on your investment is what concerns you, then definitely take time to get to know the market and which cars have a following among collectors.

  3. Have the car appraised by an expert:

    Before you spend money on collector car, have it inspected by an experienced, classic-car appraiser. This is a crucial, not-to-be-skipped step when purchasing any kind of used car, and it’s especially important when you are purchasing one that is vintage or classic. The quality of any restoration can be the difference between a car that is a great investment, and one that will begin falling to pieces once try to start it up. So spend what will mostly likely be less than a few hundred dollars to get your potential purchase checked out and appraised.

  4. Know in advance where you’ll store your car:

    Make arrangements in advance for a place where you can safely and properly store and maintain your collector car. Your home garage is fine for a lawnmower, but the lack of ventilation and excessive humidity make it a terrible place to park your vintage or classic car. Local car clubs are one source for locating dust-free, dry storage facilities, and may offer group rate and member discounts.

  5. Get insurance:

    You will need to purchase full-coverage insurance for your vintage or classic car, valued at what your car is currently worth on the market. An appraiser can assist you in determining that figure, and you should review your policy at least once a year and account for any changes in the collector market. Hagerty Insurance specializes in insurance for vintage and classic cars and motorcycles.

  6. Prepare for repairs and maintenance:

    Once you have your vintage or classic car, get ready to spend a lot of time with repairs and maintenance. But hey, this is part of the fun of owning a collector car, stepping up to the challenge of keeping it running and looking good! If you don’t have the car’s original manual, network car clubs and fellow collectors for advice as to what parts may need particular care and attention. Replacement parts can be quite expensive, so be sure any part you order is coming from a reputable dealer. (That said, comedian and dedicated car collector Jay Leno demonstrates in a video on his Jay Leno’s Garage website how a 3D printer can be used to model and produce molds for classic car replacement parts.)

  7. You don’t have to buy a rare collector’s piece:

    We know we said you should buy what is popular, but most car collectors (like Leno) suggest that you instead just buy what you like. You don’t necessarily have to break your bank and buy “the best car you can afford” in order to enjoy the hobby (or is it obsession?) of car collecting. A less expensive, less “collectible” car that needs some (or maybe a lot of) restoration could become just the car you need to cruise around your neighborhood and share a little bit of automotive history.

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Tuesday 16 October 2012

Travellers becoming more money savvy when booking flights

There are a number of ways that holiday insurance customers in the know manage their budgets, from choosing cheaper hotels to opting for all-inclusive deals.

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Will Direct Line Soar At IPO?

Did you know that the insurer Direct Line is part of Royal Bank of Scotland (LSE:  RBS)? Direct Line is, in fact, a group of companies providing insurance and related services. Other parts of the group ...

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5 things to know: 10-12-12

If you're like me, you always thought accounts of people saving money were myths of sorts. This and more, today on Bankrate.com.

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Monday 15 October 2012

Money market account and rates in Steubenville, Ohio

The national average money market account rate has been at 0.12 percent for the last thirteen weeks. It's a good thing that some institutions are offering better-than-average yields. You can generally find some decent rates from credit unions and online banks. Find a money market account and rates in Steubenville, OH, and in other areas

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Process to Reinstate Driving Privilege in Colorado

Colorado drivers whose licenses have been suspended, revoked, canceled or denied must go through a process of reinstatement to have their driving privilege restored, but not until specific conditions are satisfied.

To reinstate after a suspension or revocation:

  1. Drivers must identify their eligibility date communicated at the hearing or via mail and specific reinstatement requirements, which may include filing an SR22.
    • If you are unable to locate this information, call Customer Service at 303-205-5613
  2. Certain Full Service Driver’s License Offices can reinstate Point Suspensions and revocations, provided that the requirements listed below have been met:

Point Suspensions

  • Period of suspension complete
  • Evidence of current liability insurance with your name on the policy (SR22)
  • $95.00 reinstatement fee

For mail-in applications:

  1. Complete the Application for Reinstatement (Form DR 2870)
  2. Mail the completed application, check or money order for $95 and specific requirements (for example: evidence of insurance, SR22, etc.) to the address noted on the application.  You must clearly write your name and date of birth on the coupon when paying by money order.
    • Mail this information approximately 30-60 days before your eligibility date.  this allows the CO DMV to complete your request in a timely manner.
  3. Allow up to 20 business days after mailing for the DMV to complete your application.
  4. Once the DMV has verified that all the necessary information has been received and they have processed the application, they will mail a Letter of Clearance to the address you listed on the application.

To meet SR22 requirement

To obtain SR22 insurance in CO, contact Serenity Insurance, a high risk auto insurance broker specializing in SR-22 filings since 1994.  Call or click to get a free SR22 Insurance Quote.
1-800-774-0520

 

 

Information source: www.colorado.gov

 

 

 

 

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Sick of rising bank fees? Go small

Free checking is on the decline and fees are rising at large banks, but that's not as true at credit unions and small banks.

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Sunday 14 October 2012

6 home fixes that aren't worth the money

An added bathroom isn't going to pay for itself. And don't even think of a big-bucks home office.

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UK Trying to Change Young Driver Laws to Reduce Car Accident Rates

Drivers who are under the age of 25 can be more expensive to insure in both the United States and the United Kingdom. The UK is now deciding on whether or not they should implement new rules for younger drivers.

The statistics paint a very bleak picture. Younger drivers are 300% more likely to be involved in a car crash than their parents. This is due to the fact that many young people become distracted when they have other passengers in the car with them.

The new rules that have been proposed by car insurance companies in the country would make it so that young drivers have to study for one year to get their driver’s license. They would also have restrictions on their driver’s license for at least six months.

One of the main problems that 16 to 21 year old drivers have to deal with is the fact that they are too overconfident. They think that they know everything about driving a vehicle even though their skills are at an amateur level at best. It takes years for people to adapt their eyes and reflexes so that they can be exemplary drivers.

The additional restrictions that would be imposed mainly involve the hours in which young drivers can be on the roads. The new restrictions would prohibit them from driving between the hours of 11 pm and 4 am. They would also not be allowed to drink alcohol and they would have no passengers with them in the car for six months.

Many insurance insiders think that intensive driving courses such as those who can get a young person a week should be banned. They feel that this would allow young people to essentially cram for a driver’s test and then they would not really retain any of the content that was taught to them by their instructors.

It is crucial for young people to make sure that they have studied as much as possible with hours of driving observation so that they can become a well-rounded driver.

If a person is able to obtain a driver’s license in a meager seven days then they are more likely to cause a mistake that could end up costing someone their life.

The rules might not go over over well with drivers but it is very important to reduce the number of vehicle fatalities and accidents that happen every year. By having much stricter guidelines for younger drivers, it can help them eventually evolve into better drivers once they are over the age of 18. Education is key because if kids do not have enough time and practice behind the wheel then their bad driving habits will go undetected until it is too late to correct them.

UK Trying to Change Young Driver Laws to Reduce Car Accident Rates is a post from: Cheap Car Insurance News Blog

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Naskah Pementasan "Lautan Jilbab"

A

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Saturday 13 October 2012

Adding A Spouse To An Auto Insurance Policy

Getting married is a joyous but often stressful time in a couple’s life together. Weddings can be expensive, wedding planning is often exhausting, and after the wedding, there are piles of thank you notes to write. One wedding related task that many individuals fail to complete is combing insurance policies. Because many auto insurance providers [...]

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CD rates in Las Vegas, Nevada

It's pretty tough to find a great yield in this low-rate environment. The national average one-year CD rate is currently at 0.3 percent. But several credit unions and online banks are offering better-than-average rates. Use our research to find the best CD rates in Las Vegas, NV, and in other areas of Nevada.
CDs are safe

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Fuel sales fall

Official figures from the Department of Energy and Climate Change (DECC) have shown petrol sales have fallen for this year.

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Friday 12 October 2012

Money market account and rates in Aleutians, Alaska

The average national money market account rate has been stuck at 0.12 percent for over three months. But there are several lenders offering rates well above that average. Credit unions and online banks seem to be offering the best rates. You can use our survey to find a money market account and rates in Aleutians,

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Mortgage rates in Baltimore, Maryland

Looking for assurance that you’ll find the best mortgage rates in Baltimore, MD? Then check out our site. We provide all the guides, tools and calculators needed to make an informed decision. Rates can change throughout the day and week, but our easy search function allows to you to check local mortgage rates in Baltimore and throughout

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AA’s fight for fair fuel prices backed by government

The government has stepped up to help the AA’s campaign for fail fuel prices by calling on fuel providers to give customers access to daily fuel values- therefore ensuring that blanket prices are marketed across the entire country. The AA hopes that implementing this will ensure that the whole country benefits from lower fuel prices.

It seems that oil price hikes are quickly mirrored at the pumps, but any drop in price takes a long time to filter down to us as consumers- let’s hope this changes following these reforms, as the government has promised to take further action against fuel retailers if new regulations are not adhered to.

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