Wednesday 31 July 2013

ABTA gives its top tips to travellers

With the summer now in full swing and schools about to break up, we're about to enter the peak holiday season.

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ABB orders fall on utility delays, project refocus

ZURICH (Reuters) - Swiss engineer ABB's more selective approach to projects and delays by utilities in starting new schemes drove a fall in second-quarter orders below expectations, sending its shares ...

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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:

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Tuesday 30 July 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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Six things to do before Christmas

Now that December almost here, we reveal six ways to safeguard your finances before Santa arrives.

With presents to open and trees to decorate, Christmas can be the perfect time of year to indulge our inner child.

However, this doesn’t mean we can forget about our financial responsibilities. If we’re not vigilant, Christmas can end up being one of the most painful times for our wallets, so we’ve drawn up a six-point Christmas financial checklist.

1. Check your presents are insured

Some insurance companies automatically increase the value of your home contents cover around Christmas. The Post Office, for instance, raises contents cover by 10%, but other insurers will not so it makes sense to check your policy’s fine print.

Most insurance policies carry a single article limit (SAL) which is the maximum you can claim for an individual item. Beware, the limit could be just a few hundred pounds.

If your presents exceed the SAL, contact your insurance company as you may need to name them separately on your policy or even purchase separate cover.

2. Sort out your tax return

If you need to send a self-assessment tax return, the online deadline is 31 January.

However, it’s wise to get this sorted as soon as possible rather than getting caught up in a last-minute scramble. If you fail to meet the deadline, you could face a £100 fine.

People who need to fill in an online form include the self employed, those who need to pay Capital Gains Tax and anyone whose income is above a certain level. However, this list isn’t extensive so check the HM Revenue & Customs website for more details.

3. Get your boiler serviced

If your boiler has ever given out during winter, you probably know how stressful the experience can be.

However, it can also work out extremely expensive if you don’t have some form of home emergency cover included on your home insurance.

Rather than risk your boiler dying on a freezing winter night, it might be easier and cheaper to have it serviced by a registered gas engineer over the next few weeks.

4. Cut the cost of your energy bills

As you probably remember from the past couple of winters, our gas and electricity bills have been getting more and more expensive.

The situation is bound to get worse this year. During the past six months, five of the Big Six energy suppliers has raised prices. As a result, the typical household now faces energy bills of £1,283 a year, according to research from Skipton Finance Services.

However, you may be able to offset these hikes by changing to a new energy supplier. In some cases, it’s possible to save several hundred pounds.

5. Prepare your car for winter

Every couple of years, antifreeze and engine coolant levels deteriorate, which leaves your engine at risk of freezing. Antifreeze is necessary to prevent the engine from overheating or freezing during the winter months.

Before the temperature drops even further, it might be a good idea to top up your anti-freeze and perform a check on your car. In all likelihood, this will be much cheaper than repairing serious engine damage further down the line.

6. Set your financial goals for 2013

Whether you want to clear existing credit card debt, get on the property ladder or start saving, it’s a good idea to set your financial priorities as early as possible.

Once you’ve got a clear idea of your goals for next year, you can relax and enjoy the festive season.

**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.**

Click here for more.. How to get cheap van insurance quotes Read more here.. Where to get cheap quotes Check out more...

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Mortgage rates in Los Angeles, California

See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in Los Angeles.

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Sunday 28 July 2013

Recycling firm fined over safety

A metal recycling firm in the West Midlands has been handed a huge fine after an employee broke his arm in an unguarded conveyor belt.

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Learning About Vehicle Insurance Suitable for Young Vehicle oper

Auto insurance policy here in the UK

Car insurance policies insurance rates have gotten so excessive that car owners cringe at the sound of it. Mainly because of the prices sky rocketing to a level of no return. During the years, car insurance policy has been on the rise- it has now become a portion of 'household' expenditures and obtaining a bargain coverage is without question easy starting to become an illusion compared with reality. On the other hand, although prices are ever rising, it's still a requirement for each and every drivers to own. 

Why must you have a motor insurance cover policy?

In most nations, vehicle insurance is considered vital for all drivers. Primarily here in Great Britain, its a primary obligation for all motorist to obtain a policy on any car they operate. Currently there are numerous gains to holding an insurance coverage- however , the two most significant are:

To help protect you against 3rd party allegations and court costs: If connected in an impact which is caused by you, a third party could prosecute you for negligence or any burden they could have sustained due to the impact. 

Driving a vehicle while you are unprotected can result in a disqualification from driving as much as several years, get penalty points on your driving licence, you would required to retake your test of driving ability and risk of prison time for constant culprits.

What to expect when you drive without using the proper insurance cover

Driving a motor vehicle without an ideal insurance cover is an offence. The following are what may happen if you're arrested for driving with no an insurance protection: 

1, You may incur endorsements on your licence which may hinder your ability to secure a job that involves driving or even risk losing your licence all together.
2, It's common for persistent offenders to get couple of months or even several years ban for not having an insurance policy on the car they drive.
3, Offenders do get minimal or massive fines which will depend on how severe the offense might be- some offence may carry up to a maximum fine of £3000 if it endangers life or property. 
4, There have been known cases of prolific offenders doing time for the amount of damage they've caused as a result of not having a policy.

Things to consider before taking out a policy

Young and new drivers attempting to by car insurance for the first time can rather find it complex- as they may not know what to look out for in a policy. With all the 'jargon', 'lingo', terms and conditions contained within the policy, new drivers might often need experienced drivers to explain the policy to them in plain and simple English. Nevertheless, there are still important things to consider in a policy before even considering to buy it. These are just a few of the many factors to consider: 

  • What level of cover would be suitable for your situation? the three basic level of cover include- third party, third party cover and theft and comprehensive policy. 
  • Most insurers in the UK require excess- level of excess is the amount you contribute towards repairing your car when you're involved in an accident. Voluntary excess is not mandatory while compulsory excess is 
  • Avoid settling for the first quote that comes your way, otherwise, you'll lose out on cheap deals. Compare as many quotes possible.
  • Always observe the special conditions that applies to your policy- whether you're protected when you drive within other European countries, are you entitled to a courtesy vehicle should your car be out on repairs? are you allowed to drive other cars with the owners permission? 
Ways to lower your car insurance premium

Apparently, there is no cheapest car insurance provider. There are too many factors that influence the price of car insurance premiums: the type of vehicle you drive, who you are, your driving history, where you reside and your occupation all help decide the kind of quote you get for your policy. Your sole objective will now be to spot the cheapest car insurance deal possible by:

  • Getting a car that's categorized to fall within the low insurance group. For example, smaller engine sized cars like Fiat Punto, Vauxhall Corsa all fall within the low insurance group of cars as a result of their small engine capacity. Typically, vehicles with small engine sizes all fall within the low insurance groups- the bigger the engine sizes the higher premium you'll end up paying.
  • Two types of excess: compulsory excess is amount you've agreed with your insurer to pay in the event of an accident, voluntary excess is amount you're willing to pay - the higher your excess the cheaper your policy, vice versa.. Resist the temptation of inflating it, stick with an amount you're comfortable with.
  • Parking your vehicle in a garage overnight can help lower your premium. Minimizing the risk of criminal damage, burglary and theft should enable your insurer offer you cheaper premiums in return. 
  • Installing security gadgets like tracker, alarm and immobilizer often reduce or prevent theft of vehicles as such insurance companies reward drivers with such security measures with discount premiums on their policy.
  • Comparing car insurance prices also means shopping around for the best deal on offer, price comparison website like www. cheap car insurance x. org/ allows you compare quotes from 110 car insurance companies within minutes- saving you valuable time and money.
Where to get cheaper premiums

Discovering affordable premiums can some times become mission impossible. Good number ways you can find discover these elusive low cost quotes will be to minimize your perceived risk factor to the insurance company and compare insurers.

There are so many insurance packages that insurance companies offer to motorist, the package you request would depend on the quote form you're given, typical examples are: quotes for student car insurance-http://www.cheapcarinsurancex.org/cheap-car-insurance/student, green motor insurance www.cheapcarinsurancex.org, pay as you go car insurance under 25 and many more.

Acknowledgement

It's more expensive driving a motor car without having an insurance policy than one with a valid coverage: Your basis of being insured individual is to protect against any liability or litigation that could come up resulting from a loss of revenue or liability caused by collision caused by the policy holder. 

One example is, paying off third party insurance claims that can easily measure to signifigant amounts of pounds, your motor vehicle written off mainly because of crash, legal expenses as well as some other unpredictable liabilities you can incur because of not obtaining an insurance policy.

In contrast, protecting your motor car only provides you reassurance and faraway from problems. Refrain from driving a motor vehicle that's without insurance.

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Great Wall heads to Northern Ireland

Great Wall, the Chinese pick-up manufacturer, is getting ready to set up in Northern Ireland. It has appointed Londonderry based Eakin Bros as its premier Northern Irish dealership and will begin sales with the brand new ‘Steed’ pickup. It will also offer dedicated parts and service facilites. Managing Director, Paul Hegarty said;

‘The appointment of Eakin Bros offers Great Wall a fantastic opportunity to expand our network into an important new market for the brand. We believe that the dealership is in an excellent position to help our expansion and look forward to a long and prosperous partnership.’

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Saturday 27 July 2013

91% OF OVER 50s DON'T UNDERSTAND THE CARE CAP

The cap on care costs was launched amidst a swathe of publicity as the safety net that would prevent people having to sell their homes to pay for care, and it appears that many have been misled by the hype.

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Retirement planning in San Antonio, Texas

Look at our site’s scorching tips for retirement planning in San Antonio, TX. Consider investing in a money market account for a safe and easy way to save for your retirement. We make finding the best money market rates for retirement planning in San Antonio, TX a breeze.  The rate tables are updated throughout the

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Commercial van insurance for every business owners

Commercial van insurance for every business owners Commercial van insurance are mainly for vans or vehicles that are used for business purposes only. If you intend using your van for commercial use then commercial van insurance is what is required for that purpose.

The objective of a commercial van insurance cover is for the protection of your van with any content that may be included inside, it also covers your business against any eventualities that may occur in future. However, they usually do not come cheap thats why most prudent businesses set out for cheap van insurance policies to cut overhead.

Drastically reducing your outgoings to a minimum is a viable means for running a more lucrative business, this also includes shopping around for the best quality van insurance policy for your business vehicles that won't cost you an arm and a leg..Getting the cheapest insurance can save you money at the beginning but on the long run you could end up loosing a great deal due to the type of policy you purchased. So it's good to always be thorough when looking for the most appropriate insurance for your business otherwise yoo could end up loosing out on the best policy for your business.

There are various insurance policies out there, but the specific cover that you require could depend on various factors and criteria for you to obtain. Such factors might include the capacity of the van, age and model, period of cover and much more.Most insurance providers will certainly provide you with insurance coverage designed for private, sole trader as well as company van use along with with different grades of protection.Full comprehensive cover, third party fire and theft and third party only cover are the major insurance cover that all major insurance companies provide on a regular basis.

The fully comprehensive insurance coverage is for the protection of every eventualities perhaps that why it's the most cumbersome and most expensive policy you can buy. Comprehensive cover protects against liability for accidental deaths of any individual involved in an accident, covers against injuries sustained and also covers against damage to properties of any party.Comprehensive van insurance also covers against any damage to both you and the third party's vehicle after an accident, protects against theft, burglary, vandalism and also entitles you to a free van when your vehicle is off the road for repairs.Always make sure that if you're going to be living tools and other contents in your van, they must be covered under your policy against theft.

On the other hand, third party fire and theft policy cover would protect against any liability caused by any third party that includes vandalism, fire, theft , any accidents and of course burglary of your van.Third party fire and theft covers unlike comprehensive policy does not honour a claim if the third party to the accident isn't insured at the time of the collision.The last and final insurance cover is the third party commercial cover. Often the least expensive out of the entire three policies and also very basic or simple cover, it protects your van against damages caused to a third party only. It's so unfortunate to note that your business van cannot be covered by this policy due to it's short comings compared to more extensive policies like comprehensive and third party fire and theft cover. 

However, if you're involved in a collision, you would have to pay the repair cost of the third party motorists.To fulfill your legal obligation of being legal on the road you can get a van that's worth next to nothing and take out a third party cover only . This will save you money on the long run and ensure you remain legally insured on the road. No matter how much you use your van, you can also customize it with additional add on on offer by commercial van insurance firms. Add ons like ability to drive other vans, being able to drive in other countries whilst being covered, being protected up to your legal expenses all come very handy in the course of your business operations.

Related posts:

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Friday 26 July 2013

The worst regions for mobile phone theft

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

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

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

Crime hotspots

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

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

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

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

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

Any chance I’ll get my phone back?

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

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

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

Should I take out insurance?

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

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

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

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

Mobile phones and your data

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

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

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

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

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FTSE 250 movers: Fenner, DCC, Chemring, Rank Group

British manufacturer of industrial belting products, Fenner, rose to the top of the leaderboard after analysts at Citgroup reaffirmed a 'buy' rating for the stocks. The company said revenue and earnings ...

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Home equity loan rates for July 25, 2013

Here are the average home equity rates from Bankrate's weekly survey of large banks and thrifts.

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Wednesday 24 July 2013

4 times you can save by spending

Here are four times when spending more can help you save.

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Auto loan rates in Eugene, Oregon

There's no doubt that it's a good time to be in the market to finance a new vehicle. Auto loan rates in Eugene, OR, and in cities throughout the nation, are low. In fact, you can currently pick up a 48-month new-car loan for an average of 4.01 percent. Use our tools to find the

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Your biggest wastes of money

Buying flashy cars and not planning for the future are just a couple of mistakes people make with their finances.

Unfortunately, there is quite a gap between what people would like to do with their money and what they actually do. For many, buying a house, taking trips with family or even retiring may present difficulties if drastic changes aren’t made in spending and saving habits.

Financial planning is vital for attaining realistic goals. Investing for the future should be a regular habit.

Here are some common financial mistakes that people make.

Not paying bills on time

Many people look at credit cards as a means to improve their lifestyle. So the end of the month rolls around and you receive that dreaded envelope in the post from your credit card company.

If you've ever paid a bill late, you will have probably noticed that you're charged a fine.

Brushing aside your bill or ignoring it all together could be detrimental to your credit rating and cost you more through the interest payments.

Trying to make an impression

Just because your neighbour has a flashy new TV, doesn’t mean you need to get one.

Buying for status is perhaps one of the worst financial mistakes. There is no evidence to prove that impressing others with a fancy car can make you happier. In fact, the debt you take on while acquiring these assets could prove to be costly. Never think about what others have as there are financial consequences of buying more than you need.

Overusing credit cards

Time and time again cards are used to purchase the smallest of things – from a loaf of bread to a packet of crisps.

The cost of the items you have charged becomes the purchase price plus interest. Before you know it, you’ll have filled the car up with petrol, bought a new duvet cover and have acquired the entire Monty Python DVD box set. Next time you make impulsive purchases, ask yourself if what you are buying is worth the interest.

Not planning for the future

Taking control of your spending and managing your money can help pave the way to achieving financial goals.

Failure to plan ahead can be a result of inexperience or may even be attributed to ignorance and fear. Although you may not want to face the future, it is just around the corner and without significant planning, you will find life much more difficult.

Lack of life insurance and health insurance could leave you in a difficult situation if problems were to arise. After all, life insurance is an asset for an individual.

Acting as a guarantor

Those of you with good credit may sometimes be tempted to guarantee a tenancy agreement or mortgage for a friend or family member with a history of financial problems.

But be prepared for what this implies. When you guarantee a mortgage or tenancy agreement, you’re taking on a risk that a professional lender or letting agent won’t take. If they can’t repay the debt, then you will be responsible for it. You may be better off staying away from playing the sugar daddy or a good Samaritan and keep your financial records on track.

**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.**

Related content.. Similar articles.. Read more.. Related posts.. Similar posts..

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Tuesday 23 July 2013

ANIMAL MAGIC

Is there anything more thrilling than spotting wildlife in a natural habitat? Saga Holidays has created tours so guests can enter the greatest animal kingdoms on earth - without paying the earth.

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Which? Car Survey: The most reliable cars of 2013

Which? has crowned the budget-friendly Peugeot 107 the most reliable new car of 2013.

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Understanding commercial van insurance?

If you use your van just for business reasons instead of social and domestic pleasure then commercial van insurance policies are an essential purchase for your business. The goal of commercial van insurance cannot be overemphasised. Nevertheless, it is intended to protect against any kind of scenarios in the near future; for instance, in the risk that your van becomes stolen- the van insurance provider is more than prone to compensate the depreciated value of your van.
 
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Considerably reducing your expenses to a minimum is a possible means for running a easier enterprise, this also consists of shopping around to find the best quality van insurance policy for your business vans that won't set you back an arm and a leg. Purchasing the lowest cost insurance would undoubtedly save you loads of cash at first. However, your business could still pass up substantially in the event the right coverage isn't choosen, so be meticulous when analyzing your van insurance demands prior to staying in a particlular cover.

The sorts of insurance policies that you can secure is often dependant on several requirements, factors like level you would like to be protected by, the make and model of the van, or possibly vehicles that you own and the term of the protection.

A number of insurance providers gives insurance coverage to private firms, sole traders and big business owners as these protects ranges from diverse levels. The three or more principal styles of covers that you may obtain for your van comprise of fully comprehensive, third party fire and theft and third party commercial.

The most costly as well as most complicated sort of insurance coverage is the fully comprehensive cover mainly because it has a tendency to safeguard every type of accidents as well as accidental injuries that may take place. The comprehensive insurance policy is a cover that protects against damages to the belongings of parties involved in an automobile accident, protects against accidental deaths resulting from a vehicle accident and finally, covers from injuries sustained due to any sort of accident.

Comprehensive van insurance also covers against any kind of harm to both you and the 3rd party's vehicle after a major accident, covers against theft, burglary, vandalism as well as entitles you to courtesy vehicle when your van is off the road for repairs. If you store equipment in your van subsequently it is really worthwhile confirming that these can also be protected through your comprehensive insurance protection.

In addition to the comprehensive policy, third party fire and theft tackles the security of destruction, losses and also liabilities resulting from third parties which includes fire, theft, burglary, vandalism as well as collisions as well. It is prudent to remember that this sort of insurance policy protection will likely not protect you and your vehicle if the third party does not have his/her own insurance in the course of the car accident.

Third party commercial van insurance policy is usually the lowest priced, and most significant form of van insurance policy not to mention protects you from any kind of damages to a third party. Due to the fact third party insurance coverage usually do not safeguard against your company's car, you'll be responsible for repairing the car belonging to the 3rd party if it's established that you were responsible for the accident.

An old banged up van that cost next to nothing could be used for your business to avoid high cost of insurance policies. By taking out a third party policy only, you could fulfil your legal obligation of being legal on the road whilst saving loads of your insurance premium monthly.

No matter how much you use your van, you can also customize it with additional add ons on offer by business van insurance firms. Add ons like ability to drive other vans, being able to drive in other countries whilst being covered, being protected up to your legal expenses all come very handy in the course of your business operations.


One of the best approach of obtaining cheap van insurance (http://www.cheapestvaninsurance.org/) is by doing a  van insurance comparison on quotes proposed by insurance firms. Also corporate organisations get incredible bargains on their commercial van insurance therefore keeping part of their outgoings to a minimum.

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Monday 22 July 2013

Car Insurance Coverage in Mexico

A driver in Washington State sits at the border crossing with Canada waiting to be interviewed by a customs officer. During that wait he might be thinking about meeting up with friends or relatives in Vancouver. He might be thinking about sites he plans to see while in Canada. He may be thinking any number of things; he probably won’t be thinking about is car insurance. But the California driver crossing the border into Mexico doesn’t have that luxury.

The United States and Canada have a reciprocal agreement whereby both recognize car insurance policies written by companies in the opposite country. There is no such agreement between our country and Mexico. So while you can travel in Canada without buying Canadian car insurance, you cannot do so in Mexico. If you plan to drive your car south of the border you must purchase an insurance policy written by a Mexican company and recognized by the Mexican government.

Short Trips versus Long Trips

The good news about driving in Mexico lies in the fact that you can get a pretty cheap car insurance policy to cover a short-term visit. The bad news is that Mexico has some very strange and strict laws concerning car insurance and accidents. Let’s start with distance first.

Mexican law creates a “buffer zone” in which Americans can operate their vehicles while still considered being in the country on a short-term basis. There are two types of zones known as the Border Zone and the Free Trade Zone. If you plan to venture outside one of these two zones Mexico requires you to file for recognition as a vehicle importer. And unfortunately, imported vehicles command a higher price for car insurance.

Accidents and Criminal Investigations

The other quirky thing about Mexican traffic law is the fact that all auto accidents, no matter how minor, are investigated as criminal matters until it can be determined otherwise. Practically speaking, this means an American driver would automatically be suspected of a crime if he was involved in an auto accident.

If the crime investigation reveals the driver did not have proper auto insurance that individual is quite likely to do some time in jail. In cases where a court forgoes jail time, he still could face severe fines, vehicle seizure, and a temporary or lifetime ban on re-entering Mexico.

Purchasing Cheap Mexican Car Insurance

Fortunately for Americans, purchasing cheap Mexican car insurance is fairly simple. There are lots of companies offering policies online you can purchase in just a matter of minutes. Should you prefer to get your policy through a human agent, there is no shortage of Mexican insurance companies located in border cities.

The most important thing to remember is to get your insurance documents written in English. Either that, or be fluent in Spanish. You don’t want to pay for a policy that provides you with little or no actual coverage. The only way to know that is to read it for yourself.

 

Happy trails!

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Historic bell stolen from arts site

Thieves have stolen an historic bell from an arts centre in Ireland.

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Ancient coins stolen from museum

Coins dating back more than 800 years are among a £53,000 hoard of artefacts stolen from a museum storage facility in Derby.

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Sunday 21 July 2013

Refinance in Fairbanks, Alaska

On the lookout for tips regarding a refinance in Fairbanks, AK? Expand your strategy and let us do the work for you. Now may be the best time for you to refinance, but use careful consideration and our guidelines to make your decision. As data fluctuate, our search function gives up-to-date information on the lowest refinance rates in Fairbanks and

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Figures reveal fuel prices increase for January

Today the AA have revealed that fuel prices have increased by 5p a litre in just one month, highlighting that predictions of an increase were correct.

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Credit card use to cost holiday-makers £327m

A uSwitch survey suggests up to 12 million holiday-makers could rack up £327 million in card fees this summer. Which? shows you how to avoid these fees.

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Saturday 20 July 2013

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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Dos As well as Don'ts When Searching For A Less Expensive Van Insurance Quote

Getting the best van insurance policy should be a easy experience. You discover the precise policy, obtain an excellent price and get your van insured. Nonetheless even the easiest tasks provide their own hazards fixed.

Cheap van insurance is a prime example in this. In writing, it is an easy process, but it's important to be cautious of potential points, reminiscent of spending well over the percentages or perhaps acquiring the unsuitable type of policy entirely. Nevertheless to help you avoid this kind of potential stumbling blocks, right here is a information to five of the most common errors that individuals execute while buying and also restarting their van insurance coverage policy.

1. Providing Incorrect Data.

Cars are developed as multi-purpose vehicles. Subsequently the insurance that protects them is required to have an account in consideration of these kinds of likely uses. This will add a a number of complication to the application course of and will in fact result in needless blunders being generated in the info an individual present.

For example, in the event you forget to name a daily driver of your vehicle or even claim that it is used for a objective while it's truly utilized for another, this may trigger major problems. Making an allowance for of which insurance is a authorized requirement, in case your policy is invalidated by any errors, it's possible you'll encounter more considerable issues in comparison with merely finding it a little troublesome to make a profitable compensation claim.

2. Not Verifying Your Coverage Before Restarting It.

A 12 months period could be a very long time in the life of any vehicle and a corporation. A lot of things can change during this period, some of which may need to be mirrored within your insurance. Lack of ability to be able to correctly update your particulars may lead to many of the issues featured in the previous section. Whilst a cheap offer may be what you are after, finally you wish to possess van insurance that can really offer you the policy you need.

So ensure you spend time and energy to review your current renewal request consider these as a chance to make any crucial modifications even if it is just a minor modification in your anticipated twelve-monthly usage or even including a brand new individual. Use your present policy for a marker and then prepare adjustments to suit. Modifying it during the use of your current coverage may find yourself costing you a regular fee each occasion, so it's price executing it whenever you've gotten the chance.

3. Failing To Check Out the Rates From Other Insurers.

While you might be completely happy together with your present insurer and still have obtained a good offer on your new policy, that do not necessarily imply that it might not really end up being improved for in other places. Look on-line and observe. Use your current similar details along with a wide range of insurers to see specifically what is obtainable for your needs and also find out the place savings might be generated with out being forced to decline your current stage of cover.
This is actually straightforward to do, and thanks to the actual Internet, it is amazingly accessible and also fast too. So there should be no reason for spending more for the same policy by way of ignorance.

4. Assuming They Are The Same Quotations Along With Other Insurers.

Presently there are usually obvious similarities in between the two forms of packages; nevertheless, you will discover additionally an identical amount of differences which mark them apart. In case you are generally not cautious you could neglect important advice (again, as detailed in the first part) or perhaps leave your self seriously under covered. Understand your van, actually is worked for, where it is actually parked as well as whom will be using it. Solely by getting all of this right would you have a policy that really gives the cover required.

5. Buying Excess Amounts Or Too little Highly recommended Policy.

If you are anxious that you haven't used the proper particulars or overstated the level of protection that you required, you can be much more likely to shell out more than might be firmly crucial on your insurance policy. If you happen to have not yet utilized beforehand, seek the advice of someone who has to receive recommendation or even get in touch the insurance company for them to guide you along the process. A cell phone query is usually a good way to find out issues as an individual go alongside, so long as you've all the data handy obviously.

Provided you're really serious with regard to getting the perfect viable cheap van insurance (http://www.cheapestvaninsurance.org) deal however just refrain from these obstacles. In view that these routines are definite to prohibit you from your ideal target- safeguarding money on your van insurance premium. Certainly there are a few other powerful methods to adopt when looking for techniques to fork out a lower van insurance monthly premium- one month van insurance (http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html), cheaper van insurance quotes as well as , cheapest car insurance quotes also several other van insurance comparison approaches that will enable you purchase cheap van insurance quotations within minutes.

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6-month CD rates in Raleigh, North Carolina

Rates are low throughout the country. Yet, one bank in this survey is offering 0.61 percent on 6-month CD rates. That's over four times the national average. You can use our research to shop for the best CD rates in Raleigh, NC, today. Before you settle on a lender, make sure to check out the

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Friday 19 July 2013

Sporting registration plates to go on auction

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

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

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

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Top Four Van Insurance Coverage Money Saving Tips

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China’s business stars set to burn brightly in the West

Unheard of in Europe, six executives have ambitious plans for growth, says Andrew Cave .

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