Friday 31 May 2013

Thursday 30 May 2013

Do You Want To Pay Cheaper Premium On Your Van Insurance Policy?

Investing in vans or similar vehicles has resulted in many businesses doubling or even tripling their profits because of the role these vehicles play. A current and valid insurance policy is a must have for all vehicles including vans irrespective of their shape, sizes and purpose of use.

Getting the right insurance coverage for a van can become extremely expensive for businesses, especially those requiring fleet insurance for their numerous vans. Finding an inexpensive van insurance premium can most times become a daunting task if you do not know how and where to find it- below are great tips you can adopt when searching for low- cost van insurance premium for your business.

Irrespective of your situation, searching for a new van insurance policy for your new van or perhaps, wanting to renew your existing policy, doing a little research can save you time and money on the long run. 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.

The Internet is a Good Starting Point For Your Van Insurance Research

Going through scores of different van insurance quotes manually is the perfect way to waste your time and money. Over the last decade comparison websites have sprung up to help you compare insurance quotes fast and saving you money on your premiums, use them!. All you need to do: fill out a simple form with your correct details on the comparison website then get lots of quotes from different insurers within seconds.

Although not all offer that;s guaranteed to meet your particular budget expectation, you will discover that some insurers are in a much better position to offer your desired level of cover at an incredibly reduced premium. After picking your ideal quote, it pays to always consult the insurer to confirm a detail or two about your chosen policy before committing to the insurance quote on offer.

While the internet is an ideal starting point for uncovering that elusive low cost van insurance premium, you also need to be prepared to contact your insurer to see what deal is available. It’s an ideal opportunity for you to determine what is contained within the policy you’re buying and what is not in it. Upon providing your new or amended details to the insurer after the initial quote, they may now use the new information to revise their previous quote which could even become cheaper still.- http://www.cheapestvaninsurance.org/

Call Up Your New Insurers To Discuss The Policy

Insurance for van is a little more of a specialist type of cover than car or even home insurance. Unfortunately, not all insurers can provide cover, in particular competitive premiums. Many a times, we avoid trying newer things instead, we stick with what we’ve been accustomed to, like getting quotes from the same insurer we’ve been with for ages . However, if you’re serious about reducing your premium you must to go the extra mile.

No matter how contented you may be with your current premium or insurer, it still pays to shop around to get even better bargain. Irrespective of the manner you search for a cheaper deal, using van insurance comparison sites or approaching individual insurers directly or through their websites, discovering discount quotes can be pretty straight forward.

If you are able to source a cheaper quote you can use that information to approach your current insurers (or indeed any others that you’re interested in) and discuss their competitor’s sites. These insurers are under no pressure to change their quotation, some might not even consider changing it, it simply establishes a medium of at least communication with the added chance of reducing your premium even further without amending your policy.

Confirming Your Policy

At this critical stage before your policy acceptance, you will be in a better position to figure out what’s best to retain or discard with your policy in order to keep your premium at a low. 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.

A policy thoroughly examined to strip of any unwanted extras and left with only the primary cover and protection needed. 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.

The bottom line though is when it comes to reducing van insurance premium you’ll need to be prepared to do some work. Whether that’s researching alternative providers online or phoning your current insurer to see if they can remove any unnecessary baggage, there are plenty of options to help you get the right result.

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

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

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

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Tuesday 28 May 2013

Is this the end of the FTSE 100 bull run?

The FTSE had a wobble this week but some shares still offer value. Emma Wall gets some expert tips

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Turn your hobby into a second income

From eating free meals in restaurants to buying alcohol, we reveal six ways you could make extra money in your spare time.

Think of a typical weekend. How do you spend your free time apart from watching TV and having one too many beers?

If you have a particular hobby or interest, you might not realise you could use this activity to supplement your income. We show you how.

1. Web design

Tech wizards could put their expertise to use by designing and building websites for small businesses and start-ups.

As soon as you have a few satisfied customers, you could pick up more business through word of mouth.

You could also try advertising your services through websites such as PeoplePerHour and Freelancer.co.uk.

2. Become a mystery shopper

Many retailers employ mystery shoppers to review the quality of service in their branches – something that will probably come naturally if you hit the shops most weekends.

If you visit restaurants, you could end up with a free meal and having your expenses reimbursed.

If becoming a mystery shopper appeals to you, visit websites such as Market Force and Retail Maxim.

3. Car booting

Do you love to spend a Sunday morning or bank holiday haggling at your local car boot sale?

Then, you could set up your own stall and clear out the kids’ old school uniform or your old university textbooks.

For more information on how to sell your clutter, check out The £2,817 fortune in your attic.

4. DIY

Anyone with a knack for making home improvements or decorating could supplement their earnings by taking on odd jobs.

The amount you can charge will depend on the average rate in your area and how specialised your skills are.

Let’s say, for example, you charge £15 per hour and work five hours a week. You could pick up £75 per week, which would equate to £300 per month.

5. Arts and crafts

If you have a flair for knitting, making jewellery or homemade cards, you could sell your creations at arts and crafts fetes.

If you’d like to increase your customer base, you could consider setting up your own website. Alternatively, websites such as Etsy and Misi allow users to sell arts and crafts.

6. Going to the pub

If you’re a regular in your local watering hole, you could try to pick up a few shifts behind the bar.

You’ll probably still be able to chat to the regulars and they might even buy you a drink or two. Just try not to overdo it ­– getting drunk on the job is rarely a wise career move.

If you’re 18 or 19, you could get paid to buy alcohol if you register with Serve Legal. This service sends young people into pubs, supermarkets and off-licences to buy alcohol, so they can check whether staff are asking for ID – pretty sure that would have been my dream job when I was 18.

Sorry to end on a dull note, but if you are able to earn extra income, don’t forget to inform HMRC. This extra money could affect the amount of tax you pay or any benefits you receive.

For more articles like this, check out Three ways to make money online and Six top money-saving websites.

**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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FairFuelUK urge Chancellor to cut fuel duty

Campaign group FairFuelUK have urged the Chancellor to cut the planned fuel duty tax in his March budget to help tackle the problem of rising fuel costs.

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Monday 27 May 2013

3 Smart Motorists Tricks For Paying Cheaper Premiums Every Year

Many businesses today can attribute their huge success to the everyday use of th (Read more ...)

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SUGGESTIONS BY THE FABIAN SOCIETY ARE LUDICROUS SAYS SAGA

"Today's comment from the Fabian Society is simply ludicrous." said Tim Pethick, Managing Director of Saga Magazine

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What Are Deductibles?

Perhaps you’ve heard people say that one way to reduce your car insurance premiums is to increase your deductibles. But do you know what deductibles are? If not, we’ll explain them here. Needless to say, deductibles are part of the standard auto insurance policy everyone should be familiar with. They play an important role in how much we pay for our policies as well as how much we might potentially have to pay after an accident.

In the simplest terms possible, a deductible is the amount of money the customer is required to contribute in order to pay for repairs to a damaged vehicle. Deductibles apply in the case of collision and comprehensive insurance. So if you have a $500 deductible on your auto policy and you file a $5,000 claim after an accident, your insurance company will only pay $4,500. You will be responsible for the other $500.

It’s important to note that deductibles work on a “first pay” system. In other words, the customer pays the first $500 (or whatever the deductible is) and the insurance company picks up the rest. In some cases a repair shop may require customers to pay their portion before a vehicle will be released; others allow some time for the customer to pay his bill.

Why Deductibles Are Good

Deductibles can be looked at as a good thing for a couple of reasons. The first is the fact that they encourage consumers to shop around for repair estimates before choosing a garage; much the same way they shopped around for car insurance quotes before purchasing a policy.

They aren’t shopping around for the best price, mind you; they’re shopping around for the best quality. As long as it’s going to cost them $500 out of pocket they want a garage that will do the repair the right way. Even though it might cost more the insurance company a little bit more, there’s less of a risk that the consumer will come back with another claim because the first repair wasn’t done correctly.

Deductibles are also good in the sense that they encourage drivers to be more careful behind the wheel. With a significant deductible hanging over their heads they are more likely to drive safely and avoid accidents. That’s good for the individual driver, his car insurance company, and for everyone else on the road.

Why Deductibles Are Bad

Deductibles can be looked at as a bad thing from the perspective of insurance fraud. Unfortunately, garage owners and operators have figured out they can make customers happy by inflating repair estimates to cover their deductibles. In cases where an insurance company makes payments to the customer rather than the repair shop, this type of fraud is very easy to perpetrate. In cases where the insurance company pays the repair shop, it requires a little bit more cooperation between the shop and the customer.

It must be said that the vast majority of repair shops are going to be honest when it comes to estimates and deductibles. But the consumer needs to be aware of the possibility of fraud and make sure he’s not a participant or contributor. Insurance fraud accounts for millions of dollars in car insurance company payouts every year. Drivers who participate are only raising the rates for everyone.

Now that you know a little bit about deductibles you are better prepared to compare car insurance quotes. You can get lower rates if you’re willing to accept higher deductibles in exchange. On the other hand, you might be willing to pay a little more to avoid them.

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Sunday 26 May 2013

What supermarkets don’t want you to know

Discover the tricks supermarkets use to encourage you to spend more on your weekly shop.

Do you always seem to come away from the supermarket with a couple of items that weren’t on your shopping list or having spent more than you had intended when you walked into the store?

This probably isn’t an accident and, in fact, you may be doing exactly what the retailer expects of its customers.

With this in mind, we reveal five of the most common supermarket tricks.

Changing layouts

As well as being inconvenient for regular customers, changing the layout of a store is a ploy to encourage shoppers to spend more time searching for their items and probably spending more money.

While you’re traipsing through the aisles looking for a carton of semi-skimmed, you might be tempted to pick up a six-pack of your favourite lager.

Dynamic pricing

You might logically assume that supermarket chains have one price for every item that is applied across all of its store...

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Refinance in Charleston, South Carolina

Mulling over a refinance in Charleston, SC? Refinancing can be tricky -- so utilize our calculators, tools and guides to help guide you in all aspects of refinancing. Trying to gauge how long will it take to break even on a mortgage refinance? We provide a mortgage break-even refinance calculator to guide your process. Rates are

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STUDENTS CAN SAVE MONEY USING THEIR PARENTS’ INSURANCE!

• Adding students to parents’ policies is cheaper than standalone cover
• Average student’s insurance claim is over £350

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Saturday 25 May 2013

FROM VIKINGS TO THE COLD WAR

Join Dame Stella Rimington to uncover tales of espionage, remember the fallen 100 years after the outbreak of the First World War, or join Viking expert James Hodge in Norway on one of 37 new cruises unveiled by over-50s travel specialist Saga Cruises for 2014.

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6-month CD rates in Lexington, Kentucky

There's one bank in our Kentucky survey offering 0.61 percent on 6-month CDs. That's close to four times the average of this term, which is 0.15 percent. So even though rates are low throughout the country, there are still some better deals out there. Use our research to find the best CD rates in Lexington,

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Overcoming 6 tax terrors when preparing your taxes

Afraid of the 1040 tax form? Relax, we haveรƒ‚ร‚ the remedies to combat your fears.

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Friday 24 May 2013

Refinance in Providence, Rhode Island

Searching for the tools to help you refinance in Providence, RI? Allow us to assist in your decision; we make the refinance process easier with our tools and calculators. Refinancing rates can change throughout the day and week, but our easy rates search function allows you to check local refinancing rates in Providence and throughout Rhode

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Should you delay buying an annuity for your retirement?

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

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SEC impedes crowd-funding revolution

Setting up the legislative framework of crowd funding was the easy part. Determining how it will all work seems to be another matter.

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Thursday 23 May 2013

Retirement planning in Lexington, Kentucky

Reach the finish line faster while retirement planning in Lexington, KY, by using our site's guides, tools and calculators. Build a safe, strong retirement plan with a money market account. A money market account is a reliable vehicle for retirement planning, and we provide the best money market rates in your Kentucky neighborhood. Our rate tables are updated throughout the

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Buffett: Life’s hard for CD investors

Billionaire investor Warren Buffett says he sympathizes with CD investors hard-hit by years of falling CD rates.

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Lincoln beef firm fined over fall

A beef supplier from Lincoln has been fined and ordered to pay costs after a worker suffered serious injuries as the result of a fall at an abattoir.

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Wednesday 22 May 2013

IRS under siege

Fired commissioner. Congressional hearings. Scathing tax watchdog report. It has been a terrible week for the IRS. And the tough times won't stop any time soon.

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Turn off your engine to save the planet!

For all you van drivers who spend the day on the road, the Energy Saving Trust is appealing to you! They are asking all motorists to take heed of warnings about pollution from vehicle engines and consider switching off your engine when stuck at lights or in a traffic jam, in an effort to reduce emissions levels.

Information from Transport for London shows that if all the drivers in the capital alone turned off their engines for just one minute instead of idling, the capital could reduce its emissions by 90kg a year. The were eager to point out to drivers who were concerned about fuel consumption that turning an engine on and off results in less fuel being used than if you left it running. Tim Anderson, Senior Knowledge Manager at the Energy Saving Trust said;

‘This small individual step can collectively make a significant difference and help improve life for everyone.’

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Hot Car Deal – Nissan Juke

Which? Car deal: The Nissan Juke is the original supermini crossover vehicle, mixing sporty styling with SUV robustness. Take a look at three of the best offers

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Tuesday 21 May 2013

Top 4 Van Insurance Money Saving Suggestions

Everybody likes to save some cash, particularly in the present economic crisis. Consider it or not, one place you could possibly be reducing cost is on your insurance to your van. Finding the right insurance is crucial as it safeguards you and your van against a lot risks, not to mention that it's required by law inside the UK.

Which means you must have insurance, however it doesn't mean you need to pay a high price. You'll find affordable deals, however you have to know the best way to approach the purchase of your insurance policy. Here is a look at a few wonderful money saving suggestions you should use as you look for an ideal offer when insuring your newly purchased van- http://www.cheapestvaninsurance.org/

1 - Spend Time Procuring Around

At first, if you wish to lower your expenses on your van insurance, you are going to spend a while in shopping around. It doesn't need to take much time though. Typically the internet has produced comparability shopping easier than ever. All you have to do is jump on-line, go to some comparison websites on the web, fill out a quick type and you'll be comparing prices quickly. Simply ensure that you always take a look at more than the quote. Finding the right cover is also vital, so examine core features and price for one of the best all around package for your requirements.

2- Decrease Your Rates with a Increased Voluntary Excess

One other manner though which it can save you and decrease your rates is to go along with a higher voluntary excess. It's a very simple principle to remember. The larger your voluntary excess you opt for, decrease the price on your insurance will likely be to suit your needs. Simply increasing the voluntary excess simply by a number of quid could make a huge distinction. Work out exactly what you'll be able to afford to spend to be your voluntary excess. Therefore go with that choice to be sure to plug spending leaks on your van insurance coverage costs.

3 - Do not Allow The Insurance coverage to Lapse

Don't enable your insurance coverage to lapse if you wish to avoid wasting cash with your van insurance. If you happen to wind up permitting the coverage to lapse, insurance firms are going to take a look at you as a huge risk. They might even suppose that you are somebody that's irresponsible. In many cases you will end up paying out extra for the insurance you want, in case you have left your insurance coverage on the van to lapse. Ensure you preserve your coverage going, even when you need to go along with a brief time period option, while in search of one of the best long run policy for your needs.

4 - Search for Any type of Doable Discounts

Just remember to search for any potential reductions. Many individuals don't realize what number of reductions are available and they never think to look for them or ask about them. Saving a little occasionally with discounts can actually add up to a nice financial savings on your policy. You will find discounts for buying on-line, reductions for a number of policies, secure driving savings, discounts for safety devices and more. Ask about discounts available and try to get every low cost that you can get.

The more discounts you get, the more you may save on your van insurance coverage. In concluding, you can easily obtain cheap van insurance, low cost van insurance quote, tool insurance, short term van insurance, cheap quotes from 1st central car insurance as well as Autonet van insurance by doing adequate and quality van insurance comparison when searching for van insurance.

Quick quotes in minutes:

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Dual fuel put brakes on One Call Direct car insurance policy

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Slow recovery has Americans guarded but optimistic

Consumers are still cautious when it comes to their spending habits, despite lower gas prices.

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Monday 20 May 2013

Around the world for $1.5M

Try to beat this exotic vacation itinerary.

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Getting Car Insurance After Several Minor Accidents

One or two minor accidents might not persuade your insurance company to bump up your insurance premiums by a great deal. But continue a pattern of small mishaps and you could find getting car insurance a more difficult, and expensive, process. Some states, in fact, let an insurer cancel policies of drivers who are involved [...]

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

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

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

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

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

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

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

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

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Sunday 19 May 2013

Saturday 18 May 2013

Retirement planning in Branson, Missouri

Strive to attain the best when retirement planning in Branson, MO, by utilizing tools, calculators and guides, all indispensable resources to help you succeed. If you're searching for a low-risk investment with a better yield than your savings, consider a money market account for retirement planning. Let us guarantee your retirement planning is sound with the use

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Top Insurance Tips to Protecting Your Car While Tailgating

Now that we are finally in the wondrous glow of football season, it's time to get out there and see your favorite team in action. But, if you are the type who likes to spend your days (or mornings) tailgating, make sure you are prepared before making your way to the stadium — and I don't just mean bringing enough hamburger patties for the crew, either. Below, you'll find a few helpful tips to make sure you, your vehicle, and your insurance policy are ready:

Make Sure You Have the Proper Coverage

One of the most common mistakes tailgaters make when heading out to the big game is not having the proper coverage for their vehicular pride and joy. Certain policies don't cover non-driving accidents, or personal property stolen from your vehicle. Remember, crashes aren't the only things that can cause significant damage to your car. Even an errant "Hail Mary" from one of your buddies can dent a fender or bust out a window. Also, leaving the game in bumper-to-bumper traffic often results in fender benders and collisions, so make sure your car is has enough coverage in the event you are in an accident leaving the game, too.

Burn Your Hotdogs, Not Your Car

Nothing ruins a day at the stadium quite like watching your trusty tailgate-mobile go up in flames. With that mental image still fresh in your mind, make sure to keep your grill (no matter the size) a safe distance from your car. Lastly, before packing up, make sure all charcoals and embers have gone out (and disposed of properly), and that the grill has had time to cool before you decide to pack it away in the back of your car. And finally, always bring a fire extinguisher, just in case things do go horribly wrong.

Don't Leave Valuables in You Vehicle

So, you've finished your tailgate and are ready to make your way into the stadium for kickoff. But before you go, make sure you have all your valuables on your person, or safely locked in the trunk or glove box. Parking lots are notorious targets for car break-ins and theft, even if the lot is well patrolled. Some auto insurance policies won't cover personal items that are left inside the car, so that's another reason to tote your stuff along or just leave it at home. Lastly, don't forget to lock your car before you rush off to get to the stadium.

Use Common Sense

Beyond big things like not burning your car down to the ground and getting your stuff stolen, there are a number of little things that are easy to forget during you tailgate experience that can result in headaches and frustration. When it comes to indulging and food and drinks, keep them away from your vehicle. Spending time cleaning your favorite pre-game meal out of, or off, your car is no way to spend your pregame. Also, if you plan on running any electronic devices off of your vehicle, or if you plan on using your vehicle's stereo system to jam to your "classic" Jock Jams CD, make sure to bring a pair of jumper cables along in case you run down your battery while pumping up the tunes. And, if you are brave enough to tailgate at an opponent's stadium, make sure not to put too many giant, obnoxious logos of your hometown team on your vehicle, or else you may fall victim to the wrath of an overzealous fan(s).

Don't Drink and Drive

One of the fastest ways to increase your car insurance premium – or even severely injure yourself, your passengers, and others – is to drink and drive. Even if you just get caught leaving the stadium after a few too many drinks, you could be looking at thousands of dollars in fines, not to mention the possibility of losing your license.

The post Top Insurance Tips to Protecting Your Car While Tailgating appeared first on CarInsuranceQuotes.net.

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Friday 17 May 2013

How to Live Out of Your Car

Most homeless people will tell you that there are two classes of homelessness: with car and without a car. If you are homeless, but still own a car, you may find yourself relying on it as a temporary shelter until you get back on your feet. Some cities have safe-parking programs that allow a person living in their car to park and sleep in a designated parking lot without fear of being hassled. However, more programs like this are needed if we, as a nation, genuinely wish to help the 3.5 million Americans who, according to the National Coalition of the Homeless, experience homelessness each year. Here are six tips for living out of your car if you are otherwise homeless.

  1. Find a place to park

    Finding a place to discreetly park your car so that you can rest is tricky, since the laws regarding parking on private or public property and sleeping in your vehicle vary from state to state. If there is no safe-parking program in your city, church parking lots, 24-hour shopping centers, and neighborhoods where you can park not in front of a home, but in between a residential and business property, are all potentially safe and discreet places for you to park and sleep. Parking consistently in the same spot or neighborhood will draw attention, so try to locate several places where you can park on any given night.

  2. Truck stops, rest stops, and Walmart stores

    For the weary traveler, a truck stop, rest stop, or a Pilot Travel Center are all safe, cost-free places to park and sleep. Chain truck and rest stops are well-lit and staffed with 24-hour security, and provide an oasis of amenities for the weary traveler, including showers and laundry facilities. Most, but not all, Walmart stores allow RVs and other vehicles to park overnight in their parking lots. Be sure to check with a store's manager in advance before parking and bedding down for the night.

  3. Using a car cover

    Consider using a car cover if you are unable to park at a truck stop or Walmart. A car cover will help you to remain discreet wherever you park and provide you with the privacy you need in order to rest and sleep. However, a car cover may draw the attention of thieves, who will assume that underneath it is an expensive car. And while a car cover is helpful for additional warmth in winter weather, in the summer, it will turn the inside of your car into an oven.

  4. Keep your car clean

    After a day or two of sleeping in your car, your car will start to stink. Try just barely cracking the windows before you go to sleep in order to keep the air inside fresh and circulating. Clean the interior and exterior of your car regularly, at a local car wash if you can afford it, just as you would if you were not homeless.

  5. Keep yourself clean

    Keeping clean and looking presentable when you're homeless is challenging, but absolutely crucial if you hope to find or maintain a job. Truck and rest stops usually have showers for travelers, but using one will cost you $7 to $10. Public beaches, pools, or community centers are all places where you can grab a quick shower for free. Wet Ones can be a surprisingly refreshing and thorough way to clean yourself up if you don't have access to running water or a shower.

  6. Stay safe

    Be smart about where you park your car; avoid sketchy neighborhoods, and try to park near or under a street lamp. While inside your car, make sure all four doors are always locked. If someone tries to break into your car unaware that you are inside asleep, you can almost always scare them off by honking your car horn.

The post How to Live Out of Your Car appeared first on CarInsuranceQuotes.net.

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Weather warnings issued for the UK

Weather warnings have been issued for the UK this morning after heavy snow and low temperatures hit most of the UK overnight.

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Airmax joins forces with the Royal British Legion

The Airmax telematics and remote vehicle diagnostics system is to be installed in all Royal British Legion vans as a part of the charity’s ‘Poppy Calls’ service fleet.

The Ford Transit vans are an essential part of helping the British Legion get to its members across the UK who need help with household repairs and installation. The system means the Legion can be informed about unsafe driving within the fleet, regarding such things as acceleration, braking and high speeds.

A spokesman for the Royal British Legion said;

‘Our prime motivator has always been to improve the levels of service that we can deliver to our members in need. The fact that we can now monitor driving style will allow us to detect unsafe driving practise and offer additional driver training where needed.’

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Thursday 16 May 2013

How Long An Accident Will Affect Insurance Costs

The length of time that your insurance costs will be impacted by an accident makes a big difference. The bottom line is that if you had to use insurance, accident records will cause your rates to be higher for some amount of time. Insurance Companies Not all insurance companies treat accidents the same way. Your [...]

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CFPB highlights student debt crisis

The CFPB held a field hearing Wednesday to explore student loan affordability issues and find ways for private student loan borrowers to manage their debt.

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Clean Diesel Sales Continue to Climb in U.S.

According to Autoblog.com, sales of environmentally friendly diesel vehicles, or clean diesels, are up by 27.5%, compared to sales numbers at the same point last year. The article cited a recent study by HybridCars.com and the automotive research and analysis company Baum and Associates. The study revealed that Americans have purchased 61,214 clean diesel-powered vehicles during the first six months of the year. Perhaps even more surprising is the fact that this figure does not include the sale of heavy-duty diesel pickup trucks. But while the sales numbers are significant, they still do not match the number of hybrids being sold in the U.S. According to the study, hybrid sales are up by 63.5% over 2011’s numbers, and beyond the sale of green vehicles, overall automobile sales increased by 14.9% as well.

For clean diesels, 2012 year marks the second straight year where sales have increased by double-digits. According to Allen Schaeffer, the executive director of the Diesel Technol…

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Wednesday 15 May 2013

6-month CD rates in Denver, Colorado

It's rough out there for savers. But there are still some institutions offering decent deals. One bank in our Colorado survey is offering 0.7 percent on a 6-month CD. You can use our tools to find the best CD rates in Denver, CO, today. Certificates of deposit are insured up to $250,000 per depositor. However,

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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 appear in the “Apps” section located in the top right corner of your website.

Manage users & ranks
Enjin features an in depth access management system. Access to anything is managed via user tags or creation of teams. Click Admin > Users to create and assign tags to users. Please watch the User Tags video help.

Characters & teams
First add your game(s) to the games section in Admin > Games. You can then manage users and add characters including creating new teams in Admin > teams. Enjin will automatically import your character data for supported games.

Changing themes & theme editor
Browse through our stunning selection of themes and headers. You can instantly swap themes in your admin > themes section by clicking “Use” above the theme preview. To create or edit an existing theme, click admin > themes > theme editor.

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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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Tuesday 14 May 2013

Around the world for $1.5M

Try to beat this exotic vacation itinerary.

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Take out a short-term loan from your IRA

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

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Retirement planning in West Palm Beach, Florida

Retirement planning in West Palm Beach, FL, can present an imposing obstacle without the proper tools available to guide you down a clear path. We provide you with indispensable resources to succeed. If you're searching for a low-risk investment with a better yield than your current savings account, consider a money market account for retirement planning. Let us

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Monday 13 May 2013

Chase sued over debt collection

The California state attorney general is suing Chase for alleged credit card debt collection abuses.

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Research reveals most common motoring convictions

Research carried out by Confused.com has revealed the top ten most common motoring convictions in the UK.

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Why You Need A Short Term Van Insurance Cover?

Over the years long term van insurance policies have been particularly very well-known owing to the amount of people embarking on new corporations. However though, short term van insurance policy have in no way experienced the same amount of recognition due to the temporary nature of the usage of individuals vans.
 
Generally there are also short term cheap van insurance- http://www.cheapestvaninsurance.org/ coverage ideal for you that hardly ever implement your van. These non permanent van insurance can easily range from one day van insurance to twenty eight days van insurance coverage. There are selections readily available for individual usage as well as commercial use as well when it comes to temporary cover.
 
Additionally, why buy an all year scheme as you only makes use of the van on couple of days of the year? This is complete waste of money. Huge sums of money could easily be saved when you opt for short-term van insurance plan.

Specifically Tailored For Businesses in Need of Short Term Van Insurance Cover
If you are into business and you use vans for short periods of time then temporary van insurance policy is what you need.

Keeping a van insured all year round can be expensive especially when you do not use it all the time, but when you choose a temporary van insurance, you're guaranteed to save money instead of paying for a policy that you do not need.

Excellent for Vacations

If you are embarking on a short vacation with members of your family and close friends, you'll discover that having a short term van insurance protection is what you need if you're serious about saving money on your policy.
 
Perhaps you may never use your van on a regular and consistent basis but if you are going on a short trip with friends and family then you cannot do without a van because it's got more room.
 
In this case you'll need some insurance while you're gone, so some short term van insurance will be just what you need. Endeavor not to go on your short trip without getting a temporary van insurance cover that would protect you while you're gone away.

Quick and Easy to Get
You will additionally come across that private van insurance for fourty eight hours is simple and fast to acquire. They could always be purchased online and in just a few minutes you are able to get the coverage that you need.
 
Therefore, if you have a van which you barely drive, contemplate going with some kind of short term insurance when it's needed.

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Sunday 12 May 2013

6-month CD rates in New York City, New York

The average rate on 6-month CDs is remaining low right now. But there are currently three intuitions in our New York survey offering better-than-average deals. One institution is offering nearly four times the national average on this term. And it doesn't require a minimum deposit. Use our tools to find the highest 6-month CD rates

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The Correct Approach For Getting The Cheapest Van Insurance Packages Online

Frequently cheap van insurance policies often provides a selection of possibilities to choose from as prices may also differ according to whether or not the function of the van is either for household or enterprise utilization.

1. Staying lawful on the road additionally indicates getting the right van insurance policy, most essentially for consumers shopping for the cheapest van insurance policy that will would match their demands. Usually, all vans will require fire as well as theft coverage as well as public liability policy. Nevertheless business vans in addition need 3rd party coverage along with other coverage which cover the van but do not stipulate individual driver. Even so, specific staff might be appointed for eligibility of reduced cost.- http://www.cheapestvaninsurance.org/

2. Comprehensive insurance coverage normally include optional extras that could include things like fixtures as well as audio system or legal prices as well as breakdown insurance and you can obtain reduce amounts of protection to save cash on these kinds of options. There are other methods to save money on comprehensive protection; for individuals that drive fewer millage, discounts for mileage can help decrease your cost noticeably as well as possessing high experience levels in addition.

3. Numerous individuals consider raising their voluntary excess amounts simply because they can reduce their monthly premium through forking out a lot more on the 1st portion of the claim, if the car crash is not evaluated a ‘non-fault’ incident. Non claimants who have security alarms and also immobilisers added within their vehicle or use very protected garages to store their vans overnight are actually usually rewarded with enormous savings by insurance companies.

4. You’ll often recognize that the criteria needed by insurers change from one insurance provider to another. Usually the size and the engine capacity of a vehicle may influence a person’s van insurance premium with some insurance companies while others may also cut down a policy premium for simply just sticking a label on your bumper showing phone number other road users may call up to report an unsafe driving.

5. One additional technique of minimizing one’s premium is through seizing opportunities for savings, increasing the amount of your van insurance excess in addition to switching out of monthly premiums to annual settlement- this should stop you from having to pay the interest on the full premium.

6. Optional protection for legal cover, accidental damages to third party possessions, breakdowns and many more are add-on that insurance providers can simply include in a policy. Nevertheless checking and comparing prices with other insurance providers might allow you detect whether to add them to your policy. Since you’re obligated to settle the overall amount of your van insurance protection, you may also be in a position to change certain features that come with your protection plan so as to reduce your quote.

7. Always bear in mind that cheap van insurance premiums can vary significantly from one insurer to another due to the cost of the van making up the premium and the various risks being exposed to the insurer on a daily basis when you use your van. Transporting hazardous items will no doubt shoot up your van insurance premiums in addition to carrying of products deemed as expensive, as these pose a greater risk to the insurers .Getting many different independent quotes for cheap van insurance can often be a time and money saver when looking for that elusive cheapest van insurance policy.

A number of van insurance comparability web-sites can be found at present that will provide you with many different extras and options to pick from. Add-on like break down policies, personal accident injury insurance protection are usually a few of the alternatives you may select from all at very inexpensive quotes .

Ultimately, it always pays to be tolerant when searching for a cheap van insurance quote. Find as many quotes as you can doable then you’ll be in a better position to establish what policy is the best for you together with best value for money. Nevertheless though, a lot of van insurance you can choose from, which range from one day van insurance, short term van insurance commercial van insurance and much more. Acquiring enormous reductions from all of these insurance policies also requires similar technique as well as persistence.

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