Wednesday 27 February 2013

Pleural effusion

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Fantastic turnout for Commercial Vehicle Show 2012

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

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

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

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UPDATE 1-AIA says will open representative office in Myanmar

AIA Group Ltd,Asia's third-biggest insurer, said on Wednesday that it wasplanning to open a representative office in Myanmar, as part ofa strategy of targeting demand in fast-growing Southeast Asianeconomies. ...

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Tuesday 26 February 2013

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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Yikes! A grown kid's on our auto insurance

Keep your auto insurance rates and risk down when an adult child lives at home.

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The £2,817 fortune in your attic

Can’t be bothered to clean out your attic? Perhaps the possibility of making £2,800 would motivate you.

The average UK homeowner has £2,813 of clutter going unused in their attic, according to research from the Co-operative Bank.

Common items stored away include books, children’s toys and Christmas decorations. Shockingly, 22% of people have as many as five TVs collecting dust in the loft.

However, few of us appreciate we could be sitting on a potential gold mine. When asked to estimate the value of the goods in their attic, people guessed an average of £559 – less than a fifth of the potential worth.

Surprisingly, some 30% of those surveyed wouldn’t consider parting with their clutter in order to make some cash.

James Hillon, Head of Home and Family at the Co-operative Bank said: ‘For many, just the thought of having a clear-out is a cause of worry, so much so that the term ‘hoarder disorder' has been coined to explain the scientific symptoms and medical reasons behind our hoarding habits.’

But just how would you go about making a little extra cash and break the hoarding habit?

Selling online

Although your first thought might be to opt for a well-known site such eBay or Amazon, there are plenty of alternatives so it could be worth doing your research.

Preloved is a site dedicated to selling second-hand goods and allows you to place a free ad without any listing or selling fees.

With musicMagpie, users can earn extra cash by trading in their old CDs, DVDs, games and technology.

Rather than selling your stuff in an auction, the site pays a set amount for each item – you can find out how much your goods are worth by entering the barcode or the name and model.

If you use online charity bookstore Green Metropolis, you’ll receive £3 for every book you sell – though you’ll need to cover the cost of postage yourself and this can range from 50p to £2.50.

Alternatively, you can become a charity seller and 50p or £1 of your profit for each book will be donated to a nominated charity.

Car boot sales

If you can brave the early start, you could dispose of your clutter by having a car boot sale.

Websites such as Yourbooty.co.uk and CarBootJunction contain listings of sales in your area or you could try checking the local paper to find a suitable venue.

Remember, if you want to bag a decent pitch, it could be worth turning up as early as possible to beat the competition.

Also, be prepared to haggle over price ­– many seasoned car booters will be in the market for a bargain and might try to put in a cheeky offer.

If your main goal is to spring clean, however, consider lowering your prices toward the end of the day if you need to get rid of excess stock.

Upcycling

This suggestion will perhaps work best for those with a creative bent or a talent for DIY.

Upcycling is the process of transforming items you no longer need into new, more useful objects.

Cutting up unwanted clothing and using it to cover stains or tears on other material is an obvious example. However, you can check out websites such as this for more tips.

For more articles like this, see Six top money-saving websites and Do you have a hidden fortune?

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

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Monday 25 February 2013

Driving High Can Still Result in a DUI

Voters in Washington and Colorado are legalizing recreational use of marijuana, but that still doesn’t make drugged driving in those states legal.  Both states — as well as the 17 where medicinal use is approved — penalize stoned drivers the same way they do drunken drivers.

Washington’s ballot measure establishes a concentration of 5 nanograms of active tetrahydrocannabinol (THC) per milliliter of blood as proof of impaired driving. Backers of Initiative 502 say a marijuana smoker who lets several hours pass before getting behind the wheel should fall beneath that standard.  But most other states – where marijuana is still considered an illegal substance — have a zero-tolerance standard.

Those who are convicted of impaired driving face major legal and financial issues.  In most states, a driver convicted of a first-offense DUI is required to spend at least some time in jail — 24 to 72 hours is common.  Monetary penalties can reach as high as $5,000 and you can lose your license in some states for a year.

Drivers with a DUI are typically required to file an SR-22 form, an insurance company’s guarantee to the state that you are carrying the mandatory coverage. The form is cheap, and can be provided by insurance brokers like Serenity Insurance who specialize in high-risk auto insurance.

At least you won’t face a possession charge in WA or CO if you are carrying less than an ounce of marijuana.  You will, however, have to purchase high-risk auto insurance.  Insurance companies don’t care what you ingested, only that you have a conviction on your driving record.  You should expect your standard insurance rates to rise for as long as the DUI is on your record; in most states, that’s three years.

If you are required by your state to purchase SR-22 Insurance, contact Serenity Insurance today at 1-800-774-0520.  Agents are standing by to help you find affordable SR-22 insurance.  Alternatively, visit www.serenitygroup.com and submit a free quote request to see how much money you can save.

 

 

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Money market account and rates in Oakland, California

It's tough to find a money market account with a decent yield right now. In fact, it's tough to find any banking product that yielding much. But you still need somewhere to stash your cash. MMAs can be a good option if you're looking for safety and liquidity. Use our research to find a money

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Cash Isa deals of the week 21 February 2013

With the deadline to put money into your tax-free cash Isa account fast approaching, Which? looks at the best deals out there.

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Sunday 24 February 2013

IEEE Predict That 75% of Cars Will Be Autonomous By 2040

While flying cars and homes built high into the sky still seem to be out of reach for the foreseeable future, one group of experts believes that we'll see sweeping changes in the way we travel by car in the coming years. The Institute of Electrical and Electronics Engineers have made the bold prediction that 75% of the world's vehicles will be autonomous by 2040.

The group, which contains the world's largest professional organization dedicated to advancing technology for humanity, are putting their faith in the autonomous vehicle as the most promising form of intelligent transportation of the future. While it may seem like a bold prediction, one of the group's senior members, Dr. Alberto Broggi (a professor of computer engineering at the University of Parma in Italy) is already an expert on the subject. Broggi was the director of a 2010 project that enabled two driverless cars to successfully complete an 8,000-mile road trip from Parma to Shanghai, China.

When it comes to transportation, one of the more obvious hurdles that must be overcome is the need to establish and build infrastructure, which the group believes already gives autonomous cars an advantage compared to other forms of transportation. Broggi believes that autonomous cars of tomorrow could simply travel on existing roadways (with modified traffic control systems in place), sparking dramatic changes to intersections, traffic flows, and highways, which will all but end the need for drivers' licenses.

Broggi and his colleagues anticipate that driverless cars will operate by using sensors equipped in each vehicle that will allow vehicle-to-vehicle and vehicle-to-infrastructure communication, which will mean the end for traffic lights and stop signs. Broggi believes that intersections equipped with sensors, cameras, and radar systems will monitor and control traffic flow, helping to promote more efficient traffic patterns, and help eliminate driver collisions.

Dr. Azim Eskandarian, the director of the Center for Intelligent Systems Research and IEEE member, believes that new traffic flow systems combined with more autonomous vehicles on the road will revolutionize highway travel as well. He believes that future highways will utilize their own designated lanes for autonomous and traditional vehicles, which will help minimize traffic jams, increase efficiency, and allow for faster speeds. This will enable autonomous vehicles to travel more safely than they would in traditional highway traffic, and enable the self-driving vehicles to drive faster with closer gaps between cars while platooning – having a lead car with other autonomous cars in tow. In fact, Broggi said that he believes autonomous cars should be able to safely travel at speeds up to 100 mph.

While potential benefits of using the system could truly be breakthrough, there are a number of obstacles that must be overcome before autonomous cars can become a reality. For the IEEE, the biggest roadblock will be the consumer. So far, drivers have remained hesitant to get behind the widespread adoption of driverless cars, according to the IEEE. However, the advent of new technologies, such as self-parking features, auto-brake, and lane-departure assistance systems, may help change consumers' minds as they trickle down to more affordable vehicles.

The post IEEE Predict That 75% of Cars Will Be Autonomous By 2040 appeared first on CarInsuranceQuotes.net.

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Foreign home sale impacts wife, husband differently

Your home sale in Norway could affect your U.S. tax return, but won't hit your husband.

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Personalizing your ATM trips

Wells Fargo will begin offering an ATM experience customized to meet account holders' banking routines.

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Saturday 23 February 2013

Money market account and rates in Chapel Hill, North Carolina

The Federal Reserve plans to keep rates on hold until the unemployment rate drops to 6.5 percent. So finding a banking product with a decent yield is tough right now, but it's not impossible. There are still some institutions offering attractive rates. To find the best money market account and rates in Chapel Hill, NC,

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Survey reveals drivers don’t know the motorway speed limit

A survey carried out by the AA Charitable Trust has found that the equivalent of 250,000 drivers don’t know what the motorway speed limit is.

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Cash Isa deals of the week 21 February 2013

With the deadline to put money into your tax-free cash Isa account fast approaching, Which? looks at the best deals out there.

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Friday 22 February 2013

Methods For Acquiring Cheap Van Insurance Quotes Online

There can be numerous types of van insurance packages to consider while amount c (Read more ...)

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Retirement planning in Claremont, New Hampshire

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

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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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Thursday 21 February 2013

Your kids will cost you £313 this month

Do you feel as though you’ve had less and less disposable income every month since becoming a parent? You could be right.

If you’re a parent, you could be forking out as much as £313 per month on essentials for your little darling.

According to research from Santander, the average parent spends this amount on items such as food and drink, entertainment and babysitting. Over the course of a year, this expenditure equates to £3,762, which is more than 14% of the average Brits’ £26,100 salary.

If you already have children, you might want to stop reading now as the statistics are about to become even more alarming. During the course of 18 years, the average parent will spend £67,700 per child. Scarier still: this astronomical figure doesn’t factor in the cost of university.

Regional variations

Like almost everything else, the North/South divide comes into force with essential childcare costs. According to the data, the average parent in the South is spending £4,163 compared with a slightly more modest (though still pretty painful) £3,275 in the North.

The cost of food and drink is at its highest in the capital with typical spending of £106.30 and Londoners are also spending £50 per month on their child’s transport.

When it comes to activities, Scots are most generous and spend £52.20 per month compared with £30.90 in the North.

Cost of children essentials per month and year

London

Rest of South

Midlands, Wales

North

Scotland

Average

Food and drink

£106.30

£89.70

£84.70

£89.50

£99.00

£91.50

Entertainment

£33.50

£29.40

£30.30

£30.10

£39.10

£31.20

Toys and gifts

£23.30

£22.90

£21.60

£23.10

£24.00

£22.90

Holidays

£65.40

£65.00

£59.90

£49.00

£44.60

£58.10

Activities

£37.10

£39.10

£36.70

£30.90

£52.20

£37.40

Transportation

£50.00

£35.40

£32.80

£35.60

£44.80

£37.10

Babysitting

£17.90

£65.40

£36.10

£14.70

£47.80

£35.30

Monthly totals

£333.50

£346.90

£301.80

£272.90

£351.50

£313.50

Annual totals

£4,002

£4,163

£3,625

£3,275

£4,218

£3,762

Source: Santander

So, how can parents cut costs if they’re struggling to cope with these monthly expenses?

Wise up to supermarket tricks

Wherever you live in the UK, food is the biggest expense for families and the average parent spends £91.50 on feeding their child per month.

Whenever you head to the supermarket, remember the main goal of most retailers: to tempt you to hand over as much of your money as possible.

Be wary of any two-for-one deals or other special offers, don’t be persuaded to buy more than you’ll actually use and try not to give into nagging for treats if you take your kids with you.

To learn more, check out What supermarkets don’t want you to know and Stop wasting £680 a year on food.

Check your benefits

Even if you’re working, you might still be able to claim some form of state benefits, such as tax credit or child benefit. If you believe you may be entitled to benefits you’re not already receiving, try consulting an online state benefit checker.

Teaching kids the value of money

Educating your children about money management while they’re young might help them avoid common financial pitfalls in adulthood.

According to an encouraging piece of research from Halifax, some 63% of children between the ages of eight and 15 perform household chores in order to boost their income.

As soon as your kids have put some cash aside, you could encourage them to open a savings account and explain about the benefits of earning interest.

A number of banks and building societies allow you to put parental controls on the account until the child is old enough to manage their own money, which would come in handy if you’re worried about you child blowing the whole lot in one weekend.

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

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Foreign home sale impacts wife, husband differently

Your home sale in Norway could affect your U.S. tax return, but won't hit your husband.

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Video: State of the market - UKGI in 2012

Insurance Times asks what insurers can expect in 2012

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Wednesday 20 February 2013

Few Tips That Could Save You A Fortune On Your Van Insurance Bill

The use of vans in businesses cannot be over-emphasized, hence, they play a pivotal role in the daily activities of every business.  Irrespective of whatever services or business operations vans are used for, whether moving goods from one location to another or used for carrying building tools and machinery, all vans must be protected by an up to date van insurance policy.

Due to the expensive nature of certain insurance policies, a huge majority of small businesses now underinsure their vans in order to save money on their policies. Below are some few tips and tricks that will help you obtain that elusive cheap van insurance quotes you've been searching for.

If you're looking to renew the current policy or wanting to buy a new one, you can increase your chances of finding a cheaper premium by conducting research that would help you unveil the cheapest and best quote for you or your business.  The net has changed the way we search for data and information on this basis offers the ideal starting point for all reseach to be conducted.

Research Online and Save Time and Money

Typically, not a lot of individuals and businesses posses the time and patience to be calling insurers one by one to obtain quotes with the view of saving money on their premium. Using the services of a van insurance comparison website is an ideal way of saving you time and money because they compare quotes from dozens of van insurance companies to bring you the cheapest quotes. What you'll need to do is complete the form on the site as accurately as possible and then see and go through live quotes from hundreds of other insurers within a few minute.

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 . Armed with your chosen quote, it's time to call up the insurer to discuss details of the policy and to see if you can get an even further reduction on your premium. There is no harm in trying.

Calling the insurer after settling for your chosen quote to see whether they can reduce it further is the best way to obtain the best deal possible.  It's an ideal opportunity for you to determine what is contained within the policy you're buying and what is not in it. After giving the insurance company any new information reagarding your policy, they should now be in a much better state to give you their final quote.

Phone Up Your Insurer To Discuss The Policy

Insurance for van is a little more of a specialist type of cover than car or even home insurance. Not every insurance company can offer you competitive quotes. Most times motorists just prefer to take the easiest option by settling for what they've been used to, in particular, things they've been familiar with in the past . Nonetheles, if you're serious about obtaining cheaper premiums you might just want to go deeper.

Being contented with your current premium does not really stop you from shopping around and obtaining a cheaper quote elsewhere. Finding cheap van insurance quotes can be extremely very easy no matter what means of search you implore- a number of motorists often prefer comparison websites while others prefer to approach individual insurer one by one.

You can easily use a cheaper quote to obtain a more cheaper premium by using it to approach another insurer so they can try and offer you a much lesser quotation- it's been one of the oldest trick in the insurance industry. Really, they are not obligated to change their quote, and majority of insurers will not bulge, but it gives a great way of opening the lines of communication and opening the possibility of lowering your premiums without changing policy.

Verifying Your Policy

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. Typically, insurers would like to cross sell you on other insurance packages like legal expenses cover, personal injury cover, European cover and lots more. But, there isn't any point buying any of these package when you really do not need them.

Taking out all unwanted products from the policy before buying is the ideal way to save money on your premium, products like accidental break down cover, legal expenses, third party injury liability, personal effect protection are just a few to keep an eye out for. Increasing your level of excess to an unscrupulous amount can be tempting, but always remember that should you be involved in an accident your insurers would request that you pay up the entire amount before your vehicle can be repaired. Saving a significant amount from your premium can only be attained when you eradicate unwanted optional extras.

Lessons to be learned here is that to get a cheap van insurance premium, you'll have to be prepared to fold your sleaves and dig dirty. 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.

More resources:

http://www.cheapestvaninsurance.org/

http://www.cheapestvaninsurance.org/one-day-van-insurance.html,

http://www.cheapestvaninsurance.org/short-term-van-insurance.html

http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html

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Three days in the temple

A

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5 cars that created buzz at the Chicago Auto Show

People gawk. People talk. That's what happened with these cars at the Chicago Auto Show.

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Monday 18 February 2013

Dell bondholders not psyched

Dell bondholders quickly tried to sell their bonds when the company announced it was going private.

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Karen Went Above and Beyond the Call of Duty

Good afternoon,

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

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

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

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

Have a great afternoon!

Regards,

Todd in FL

 

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info@ernlive.com – The Drive with Alan Taylor


info@ernlive.com – The Drive with Alan Taylor

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Saturday 16 February 2013

Fuel duty hike could be postponed until April 2013

The planned fuel duty hike for January could be postponed again as campaign groups have urged the Government to tackle the problem of increased fuel costs.

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Can the U.S. Learn to Love Diesel? U.S. Manufacturers Aim to Find Out

If U.S. carmakers have anything to do with it, diesel engines will soon lose the image of being primarily for delivery vehicles and semi-trucks. 

European drivers have happily gone the diesel route for decades because of their high performance value and fuel efficiency, but Americans have been slow to adopt the vehicles.  The perception among most consumers is that they’re noisy, smelly and slow, but changes in diesel technology mean that’s not true anymore.

Manufacturers like Mercedes-Benz, Porsche, Audi, BMW and Volkswagen have all attempted to sell consumers on the attributes of diesel vehicles, yet they still only amount to roughly 3% of the market, a figure that’s about the same as hybrid sales. In Europe, diesel-powered vehicles amount to about half the auto market.

Automakers are geared to make a big push to convince U.S. buyers to embrace diesel technology.  New CAFE (Corporate Average Fuel Economy) laws http://www.nhtsa.gov/fuel-economy that require an increase in fuel economy to the equivalent of 54.5 mpg for cars and light-duty trucks by 2025, means that manufacturers are gearing up to find ways to meet those standards by all means necessary.  They’re poised with new diesel models and new marketing efforts to convince buyers to buy them.

GM is leading the pack of automakers with the Cruze 2.0 Turbo Diesel http://www.chevrolet.com/cruze-diesel-reveal.html that it just introduced at this year’s Chicago Auto Show.  The vehicle, which begins mass production in Ohio this spring, will hit showrooms this summer with a price tag of $25,695. That figure is higher than that of the gas version of the vehicle, which is priced at $17,940. However, the company rationalizes the rise in price by saying that the average cost in the U.S. is roughly $28,000 per vehicle.  The diesel’s gas savings at a combined city and highway rate of 42 miles per gallon makes the price increase well worth it.  They estimate the car will get 50 mpg on the highway. GM says the engine has an impressive 248 lb.ft. of torque and can accelerate from 0 to 60 mph in a speedy 8.6 seconds. They expect sales of the Cruze diesel to be roughly 10,000 vehicles per year, mostly on the East and West coasts.

GM’s press release about the vehicle boasts: “Cruze Clean Turbo Diesel fills an important role in Chevrolet’s diverse four-cylinder lineup, and is primed to win over diesel devotees and compact car buyers with its performance, torque and fuel economy. We leveraged engineering expertise from around the globe to develop a world-class, low-emissions engine to give U.S. and Canadian customers a car that’s both fun to drive and practical at the pump.”

The Cruze is the first diesel sedan that GM has made since it unleashed the Chevrolet Chevette diesel in 1986.  Oldsmobile’s diesel version of the Cutlass Supreme in 1979 is considered by auto aficionados to be one of the worst cars ever manufactured.  Its colossal failure is blamed for turning Americans against the vehicles and making diesel a dirty word, according to Edmunds http://www.edmunds.com/.

With gas prices continuing to escalate, 2013 might just be the year that auto buyers learn to love the diesel engine. According to Diesel Technology Forum http://www.dieselforum.org/, U.S. sales of diesel vehicles rose by 35% in the first quarter of 2012, over 2011.   Diesel-powered engines are estimated to be 30 to 35% more fuel-efficient than gasoline engines.  They also produce a higher rate of torque, which gives them more power. 

The trade-off in diesel power and fuel efficiency is the higher price of diesel fuel, which is averaging around $4 a gallon, versus about $3.56 for gasoline.  But then again, diesel engines tend to last longer than those powered by gas, and diesel vehicles have a higher resale value.

As more car makers jump on the diesel bandwagon, consumers in the U.S. will see more vehicles hit showroom floors in the near future. According to the Practical Environmentalist, http://www.practicalenvironmentalist.com/, the 2012 diesel lineup includes the Volkswagen Beetle TDI, the BMW 33d Sports Wagon, the Mercedes GL250 BlueTEC SUV and the Porsche Cayenne Diesel SUV. They estimate that more rigorous diesel emissions standards in Europe as of the year 2014 will result in more diesel vehicles crossing the Atlantic to U.S. markets.

Other new American diesel models include the Jeep Grand Cherokee sport utility vehicle and the Mazda6 sedan.  Time will tell if consumers on this side of the Atlantic will embrace the benefits of diesel power over gasoline. 

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Company fined for unsafe structure

A court has ordered Surrey construction company Landmark Groundworks Ltd to pay £160,000 in fines and costs after the collapse of nine tonnes of steel and concrete nearly killed a worker.

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Friday 15 February 2013

Hot Car Deal – BMW X5

BMW X5 deals from Which? Car: Discounts on the seven-seat 4x4, including more than £9,000 off a BMW X5 diesel.

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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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Mortgage rates in Livonia, Michigan

Allow our site to guide you in finding the best mortgage rates in Livonia, MI. Whether you are interested in purchasing a home, or looking to refinance, finding the mortgage rate that is right for you is a big concern and we supply current, accurate information on mortgage rates. As data fluctuate, our search function gives up-to-date information

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Thursday 14 February 2013

One in four is 'reluctant retiree'

A quarter of people who are planning to retire this year do not feel ready to give up work, research suggested today.

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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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Which? helps you find the best car insurance

Which? has added eight more car insurance company reviews to our unique directory that outlines how we rate providers' policies.

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Wednesday 13 February 2013

PPI payouts expected to rocket in 2013

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Park home down-payment savings in CDs?

When saving up for a home, there are better places to put your money than a CD. Here's why.

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Buying A 2014 Corvette Stingray? Be Prepared To Insure It

By Aaron Crowe

Buying a Corvette — the iconic American sports car — is expensive enough at a base price of $56,000 for the 2014 Chevrolet Corvette Stingray. Now try insuring it.

Introduced at the Detroit Auto Show on Jan. 14, the latest Corvette is the seventh generation of the car and replaces the C6 generation of 2006-13. The original Sting Ray (two words) came out in 1963 and sold for $4,257, and the original Corvette was introduced 60 years ago in 1953 for $3,498.

Insuring a sports car can be more expensive than a family car because the faster cars have a higher risk for insurers. Corvettes are two-seaters that are more likely to be stolen or broken into, and their low frame makes them more likely to be in a rollover when they crash, says Dale Jewett, technical editor at Autoweek.

While he’s not versed in insurance costs, Jewett says the Corvette, like many sports cars, will likely have higher premiums because it has qualities that insurers consider risky. The 2014 Stingray sits on a light aluminum frame and has a 450 horsepower engine that can get to 100 mph in a few seconds.

“From everything I can see, it’s a modern, comfortable, technologically advanced sports car,” Jewett says.

Any sports car can be expensive to insure for a variety of reasons, with speed high on the list, says Tim Dodge, head of communications for the Independent Insurance Agents & Brokers of New York, which doesn’t quote insurance prices but works with agents.

“There’s the assumption that anyone who buys a sports car drives it at a fast speed,” Dodge says.

And not only is the car expensive to buy, it’s probably costly to repair, he says.

“There’s probably going to be a relative few car insurers that are willing to insure a car like that,” he says, adding that bigger insurers might be more willing to take on the risks.

Security precautions such as garage alarms could be required by insurers. “A car like that can definitely be a target for theft,” Dodge says. How much protection a car provides its occupants in a crash is also a concern.

Since Corvettes retain their value so well, many drivers of the older models take good care of their cars and don’t drive them much, says Brian Duncan, a Seattle resident who owns four Corvettes and plans to buy the new Stingray. Duncan says he typically keeps a Corvette for 10 years before selling it for more than he paid.

He once bought a used Corvette from an owner who never drove it in the rain, and wouldn’t let Duncan drive it home in the rain after buying it from him.

Duncan, 52, says he pays less than $70 a month to insure a Corvette. The price is low because he’s an older driver with a clean driving record, and he also doesn’t drive them much, he says, mostly in local car shows. 

Most major car insurers offer discounts for low mileage drivers. Driving less than 7,500 miles a year can reduce premiums 10-12%. Changing driving habits from “drive to work” to “pleasure driving” can drop rates 5-15%.

Duncan estimates he drives 3,000 to 4,000 miles in a Corvette each year, a low enough amount to help keep his insurance premiums low.

A Corvette can get to 120 mph in six seconds, which Duncan sees as making it less reckless than other sports cars because it doesn’t take as long to get a Corvette to more than 100 mph. Someone wanting to test the car’s speed will get it to 100 mph in a shorter distance, meaning less time driving fast, he says.

“I’m not one who likes the attention of driving the car. I could care less,” he says. “It’s a fun car to drive.”

As with many Corvette fans, Duncan says the new Stingray has an appealing look and is supposed to have seats that are more comfortable in turns.

“They’re a great driving car,” he says of Corvettes. “They have a ton of storage. The only downfall is they’re only two-seaters.”

As far as downsides go, that’s not much for a sports car.

 

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

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Tuesday 12 February 2013

UPDATE 1-Insurer Admiral's profit rises on UK strength

British motor insurer Admiral reported a better-than-expected 7 percent increase inhalf-year profit as an improved performance at home outweighedwider losses at its fledgeling overseas businesses. Cardiff-based …

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Hot Car Deals – Nissan Note

Which? Car deals: We've found three great deals on the supermini-sized MPV Nissan Note. Find out more on the Note and how to take advantage of the deals.

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Hot Car Deal – Vauxhall Astra

Which? Hot Car Deals: Save over £6,600 on a new Vauxhall Astra diesel and over £5,000 on a new petrol Vauxhall Astra

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Monday 11 February 2013

Seat release special edition Mii city car

Seat has unveiled the Mii Vibora Negra - a hot-hatch take on its new city car. But don’t be fooled by the looks; it has the same performance as a standard Mii.

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RECORD NUMBERS OF OVER 65s IN EMPLOYMENT

Poor pensions and rethinking retirement help redefine later life work

Dr Ros Altmann, Director-General of Saga, comments on the ONS Labour statistics showing the highest ever employment rate amongst over 65s:

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Asbestos failures lead to fines

Failure to protect construction workers from asbestos exposure has cost a contractor and a retailer a combined total of almost £7,000.

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Sunday 10 February 2013

Latest Auto Insurance News

Car Insurance Florida Specialists Announce “Tailored To Fit” Auto Insurance
The insurance agents at Car Insurance Florida in Longwood now offer tailored auto insurance policies for Florida drivers. “A driver can now literally call in and tailor their own auto insurance policy” says Simone Baldwin, Owner/Agent of Car Insurance …
Read more on PR Web (press release)

Car Insurance Quotes Site Shares Free Video Guides
AutoInsurance-Quote.net, the new and innovative U.S. auto insurance quote site with the possibility for national, state and ZIP code searches, now features a selection of animated video guides. Narrated by “Dave,” each page of the site has a …
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Hagens Berman Investigates Infinity Auto Insurance Company
Hagens Berman Sobol Shapiro LLP, a law firm with extensive experience in court cases involving the insurance industry, is investigating whether Infinity Auto Insurance Company, a subsidiary of Infinity Property & Casualty Corporation (NASDAQ: IPCC …
Read more on TheStreet.com (press release)

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Auto loan rates in Toledo, Ohio

Car loans are cheap right now. You can get a 48-month or 60-month new-car loan for around 4 percent. That makes it a lot easier to afford the monthly payments on a new vehicle. Use our research to find the lowest auto loan rates in Toledo, OH.
Don't forget to create a budget before you start

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Private health insurance – what's available and how to claim

The NHS will meet most family's health needs. However, some people want additional peace of mind when it comes to the their own wellbeing and that of their family, and that is where private medical insurance can have a place. There are different types of insurance and different levels of cover. Here's a guide to what you may want to consider, along with information on how to claim on a policy you might already own.

Private medical insurance (PMI)

Also known as private health insurance, this allows you to pay for private medical care if you would rather not wait for treatment on the NHS. Some policies allow you to choose when, where and by which specialist you are treated. In addition, PMI typically pays for a well-furnished private room if your treatment requires a hospital stay.

The insurance lasts for a year at a time. Provided you keep up to date with the payments, most insurers will automatically renew the policy each year – although premiums may increase at renewal. The policy pays out if and when you need treatment, provided the illness is covered.

According to ActiveQuote.com, a 38-year-old single, non-smoking male could expect to pay anything from £10 a month for very basic cover (no inpatient cover but no-frills outpatient cover such as specialists fees and diagnostic tests), up to £102 for the most expensive comprehensive cover which includes cash benefits for NHS treatments and cover for all inpatient and outpatients treatments and services.

Similarly, a non-smoking couple in their mid- to late-thirties with an eight-year-old child could obtain the most basic level of cover for £23.50 a month or £229 for the most expensive, comprehensive cover.

PMI pays for the private treatment of "acute" conditions, which means illnesses that are short term and curable – provided they were unforeseen at the time you took out the policy. Although there may be a cap on the amount you can claim in each category, policies will usually pay out for: fees charged by private medical staff for both diagnosis and treatment; operating expenses including surgeons', anaesthetists' and operating theatre fees; accommodation and nursing charges; x-rays, dressings and medication while an inpatient; specialist treatment such as radiotherapy, chemotherapy and physiotherapy; as well as home nursing costs, outpatient and day care treatment if linked to treatment received as an inpatient.

PMI will not cover routine check-ups with your GP. Moreover, because private medical insurance covers the unforeseen, you will not be able to get cover for an illness you developed shortly before taking out the policy or for the recurrence of a recent illness, known as a "pre-existing medical condition". Pregnancy and childbirth do not tend to be covered, nor is A&E treatment, incurable or chronic conditions, long-term illnesses such as asthma, diabetes and multiple sclerosis or cosmetic surgery.

What you pay for PMI depends on your age, sex, health and where you live. The more comprehensive the cover offered, the higher the premiums. Because policies vary widely in the cover they offer, the best way to buy PMI is through an independent financial adviser – they can trawl through all the policies on the market to find one to meet both your circumstances and your budget.

How to claim: For a claim on a PMI policy to be valid it must begin with a referral by a GP to a specialist. At this point you should check with your insurer that your illness is covered by your policy, and if it is, you must get a claim form.

Both your GP and the specialist will need to fill in and sign the form, for which your GP may make a small charge. Your insurer will then be able to tell you how much of the cost of treatment, including tests and so on, the policy will meet. Your insurer should also tell you whether it will meet your medical bills directly or if you will be required to pay them and claim the money back later.

Cash plans

Health care cash plans are not strictly insurance policies, but they offer cash assistance in paying towards medical expenses such as dentist visits and optician's costs.

You take out a policy, which costs as little as £6 a month, and a cash plan pays out whenever you visit a dentist or other practitioner. You must pay the bill yourself but, depending on the level of cover, your cash plan will pay you a certain amount back – which may or may not cover the total cost of the treatment.

Most plans cover dentists and optician costs, but some include the likes of chiropody, acupuncture, podiatry, and physiotherapy. If you take out a plan, providers will usually extend it to cover your children free of charge –though given that many treatments such as dental work and opticians are free under the NHS for children the benefit is not as generous as it initially appears.

The more times you visit a certain practitioner, the more cash you receive from your plan, so it is often the people who make frequent trips who end up getting the best value. However, the amount you can claim for costs is usually capped, so it's worth analysing how many times you are likely to visit a practitioner in a single year and how much you are likely to get back.

Pricier higher levels of cover guarantee greater returns of cash. So while a £6 a month plan may guarantee 70% of a dentist's costs capped at £100 a year, a more expensive plan may have a cap of £500 a year.

Only by calculating how many of the benefits you are likely to take and offsetting this against the policy cost plus the cost for treatment, can you gain a understanding of whether a plan is right for you.

How to claim: You must pay for whatever treatment you need yourself and then, if that particular treatment is covered, submit a form to your provider, who will transfer the cash to you or send a cheque. There are usually deadlines on how long you have to claim, so check as soon as possible and be prepared to act swiftly when making your claim.

Dental insurance

Dental plans usually pay out for both standard and emergency dental treatment plus general check-ups, and are an alternative to NHS dental fees (where you pay as you go) and private dental costs. They routinely cover expensive treatments such as fillings, root canals and crowns, but cosmetic work is usually excluded.

Some plans pay out an unlimited amount towards treatment on the NHS, but private policies tend to cap annual payouts – unsurprising when private dentist fees are higher than NHS dentist costs. According to Which?, the average cost for a dental insurance policy for a 55-year-old man using an NHS-only dentist ranges from £105 to £176, with the cheaper policies capping annual payouts for treatment.

How to claim: You must pay your dentist first, then make a claim to your insurer via the usual methods.

Paying for private upgrades

It might make sense for some people to simply pay into a savings or investment plan of their choosing, and then use this capital to upgrade to a private room should they require it. Many NHS trusts allow you to do this, although few hospitals can guarantee that a room will be available at any given time.

Rooms can be costly - one hospital quotes £280 a night for a private room, and a private menu with cooked breakfast and three course meals at lunch and supper time.

Getting health insurance when you are already sick

If you buy PMI when you are already sick you will not be covered for the pre-existing condition, however you may still be able to take out a policy that covers non-related illnesses. This is complex, however, and it is worth speaking to an IFA or insurance broker before taking out a policy so you can be sure that you are definitely covered for other conditions and any subsequent claim will not be turned down.

Many employer private medical plans do not require you to disclose a pre-existing condition, so if you join a new company it is definitely worth checking out their health insurance provision – you just might find you are covered regardless of how long you have been living with your condition.


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