Saturday 28 February 2015

Last weekend to buy health insurance

Obamacare's second open enrollment period ends Sunday, Feb. 15. Buy now or risk a higher tax penalty.

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Is therapy worth the cost? 'At its best, it's paying for a friend'

John, a 27-year-old New Yorker, started going to therapy after a painful heartbreak and says he found it ‘vital’ to working through his feelings

This is one of seven interviews with young professionals about their experiences with therapy and its costs. Read the rest here.

In 2007, a breakup left John reeling.

Related: The price of mental health: ‘therapy is not a magic wand’

I started because I was working through my feelings of abandonment and hopelessness, and then my father died two years later and that sort of became a whole other chaotic catastrophe.

“I was in a play once where somebody described therapy as paying someone to be your friend and I think that that’s true. I think it is to some extent paying someone to be your friend at its best. But it’s a friend that will never tell anyone anything and it’s a friend that gives better advice than your other 26- [or] 27-year-old friends do.”

Related: The price of mental health: 'I'd rather be sad'

Continue reading...

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Coasts to get EV charging corridors

Electric car drivers on the East and West coasts will be able to take longer trips thanks to a new fast charging network being built by BMW, Volkswagen and ChargePoint.

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Friday 27 February 2015

Should integral communications systems be as standard in vans?

It has been suggested that integral communications systems in vans should be made an as standard addition by van manufacturers, as an increasing number of van operators would benefit greatly from communication devices which helped them to stay in touch with colleagues or customers.

A range of communication equipment that adheres to stringent safety guidelines could allow business van drivers to improve their overall performance and productivity, perhaps with the use of a smart phone- utilising its multiple functions (sat nav, email, calls etc.)

Vans fitted with integral communications systems would also sell well on the used van market. Currently used van sales are high for vans fitted with satellite navigation systems- so one can only predict that full communications systems would fare well too.

Read more.. Related posts.. Similar posts.. More sites on related content.. van insurance comparison

Cash Isa deals of the week 12 February 2015

Which? Money's weekly look at the best cash Isa deals to help you invest your cash Isa allowance for 2014/15

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Sector movers: RSA drags non-life insurers lower as results underwhelm

Underwhelming results from RSA were weighing down on the non-life insurance sector on Thursday despite the FTSE 100 company swinging to a profit and recommencing its dividend payment.

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Thursday 26 February 2015

St James's Place posts FY profit beat, ups dividend

Strong asset growth helped British wealth manager St James's Place beat full-year cash profit forecasts on Wednesday, underpinning a surprise rise in its dividend and boosting its shares.

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What commercial van insurance can I choose for my vehicles?

If your van is mainly for commercial purpose of doing business then you’ll be required to get a commercial van insurance. 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.

To keep your business healthy and profitable, you must ensure that your business overheads are kept to a minimum by reducing all expenses charged to the business. This also entails looking for a cheap van insurance cover for your vans. Purchasing the cheapest insurance possible will save you money initially but remember that your business could lose out substantially if you don’t have the correct type of cover, so analysis your insurance needs carefully before agreeing on a policy.

Most insurance cover are quiet dependent on a number of factors to determine whether it suits your purpose or not. Criteria like the type of vehicle your insuring, it’s capacity, the term of the policy and most importantly the kind of services you’ll be rendering with your van.- http://www.cheapestvaninsurance.org/

Most insurance firms provide insurance cover for different organizations that ranges from big organizations, private firms and even sole proprietors. And the caliber of cover they provide also ranges from one organization to the other. There are 3 major range of insurance coverage you can expect from most insurance companies; they include third party commercial insurance policy, third party fire and theft cover and fully comprehensive cover.

The fully comprehensive insurance coverage is for the protection of every eventualities perhaps that’s why it’s the most cumbersome and most expensive policy you can buy. This kind of insurance policy insures the liability for loss of life or personal injury to any individual in the van as well as protecting any kind of destruction to the property of the other party.

Apart from the protections mentioned earlier, comprehensive policies does also covers damages to your van as well as third party’s vehicle. In addition, accidents, fire and theft, vandalism are also covered as well as being provided a courtesy van when your van’s being repaired. If you store tools in your van subsequently it is really worth confirming that these will also be protected by your comprehensive insurance coverage.

Third party fire and theft Insurance policy will protect any kind of loss as well as damages induced by a third party, specifically criminal damage, car accident, fire, theft or burglary. It is worth observing that this particular kind of insurance coverage would certainly not protect you if your van was damaged by a motorist who did not possess insurance policy.

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. Third party policy cover do not often cover against business vans. So, if your involved in an accident then you will be personally responsible for the cost of repairing the third party’s vehicle.

If you have an aged van or do not feel that your van is not worth very much then you can take out a third party commercial van insurance coverage to satisfy your legal responsibility of getting your van covered.

Irrespective of the way you use your business van, you could also customize your policy with additional features and add on provided by your insurance providers, for instance, policies that offer you the benefit of driving other cars or driving abroad and most importantly legal expenses cover.

Related posts:

  1. How to select the right commercial van insurance for your business
  2. http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html
  3. http://www.cheapestvaninsurance.org/short-term-van-insurance.html

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Monday 23 February 2015

How to Avoid Buying a Flood Damaged Vehicle

Flooded cars can be a nightmare for their owners.

Flooded cars can be a nightmare for their owners. (image via Gawker.com)

If it sounds too good to be true, it probably is.

You’ve driven up to a car dealership. They have a few rows of cars of the specific make and model you’ve been interested in. They are each the current model year or perhaps just a model year behind. They all have low miles, but they’re not “new” cars. And the salesperson just cannot wait to get you into one, your choice of color and options, for a price that seems way below what you were expecting based on your research of the model.

But more than that seems “off” about some of these cars. Some of them seem to smell funny – a bitter, biting and musty smell greets your olfactory system as soon as you open the door, and there’s also a hint of “new car smell” spray and shampoo. In fact, it’s almost as if too much of that spray and shampoo smell has been applied to disguise the musty smells, and they all coalesce into a horrible shock to your senses.

“Don’t worry about that,” says your salesperson. “It’ll be gone in no time.”

Chances are, you might be about to purchase a vehicle that has been flooded.

Before we go further – it is possible to restore and refurbish a car that has been flooded, but it is not for the faint of heart. It requires disassembly of most of the interior, and replacement of all carpets, padding and upholstery. All electrical connections must be replaced.It is by no means a simple undertaking, and it must be done properly for the car to have any serviceable life. And you should know upfront what you’re buying and how detailed the restoration process is, not to mention exactly how the car was flooded. It may have been exposed to water filled with sewage, salt-water or perhaps the windows were down during a torrential downpour. It’s highly unlikely you will ever know.

While some may consider the savings on a flooded car worth the potential risks – just like many do with other automobiles with a salvage title – for most of us, they’re an experience best avoided. Here’s what you need to look for if you believe a car has been subjected to flooding in the past.

Check the Car’s Title.

Your first consideration should be the title. If the car has a clear, rather than a salvage title, make sure the dealership provides you with a vehicle history report based on the car’s VIN from a reputable industry leader, like Carfax, for example.

“Carfax should disclose that if they claim any damage from flooding to their insurance,” said Scott Bratton, a mechanic of 37 years and owner of Auto Check in Katy, Texas.

It is important to note that flood-damaged cars will only have incidents on the vehicle history report if it has been declared a total loss by an insurance company in the past. If the car was not totaled, the title will be clean and the history report may be as well. But the history report is a must, as it is possible for a car to be totaled in one state, and then shipped off to another state where eventually, a clean title is issued for the car.

“I would be concerned if it was a salvaged title. I’d ask why it was salvaged or why it was totaled. That could be due to a flood or a wreck that they went ahead and fixed with cash,” Bratton, whose customers bring in cars to be inspected before they’re purchased, explained. “For the most part I question them about where they’re buying it from. If it’s a Joe Blow lot on the side of the road then I’d really look into how they do business before I deal with them.”

Warning Signs

The musty smell isn’t the only possible hint of a flooded car. Check the car’s lights and reflectors. If they contain moisture, it is possible the car has been submerged. But the real evidence will likely be on the inside of the car.

  • Inspect the gauges on the dashboard. Again, moisture or other residues are what you are looking for. Test the operation of each gauge as well as the lighting of the gauges and the driver warning lights. They should all be operational.
  • Test everything in the car that’s electrical in nature: all switches, controls like headlights, turn signals, climate control system, stereo and any 12v auxiliary outlets. All should be operational. Check the visible wiring under the dashboard for brittleness and loss of flexibility.”If the water got high enough to get into the computers or modules, which are mounted under the seats, long-term they’ll start having problems as the moisture will cause a corrosion of the wires in the modules,” Bratton said.
  • Rust is another giveaway. Interior screws or bolts with visible rust indicate a water issue, Bratton explained. Also check the engine compartment and trunk for signs of rust as well. Any metal that is exposed – not painted or coated – and has been in contact with a significant amount of water will be rusted.
  • The padding underneath the carpet could be an indication as well since it tends to hold moisture for a long time. A visible water line could be another sign, but that would require pulling off the door panels.”If I suspected it was potentially water damaged I pull the carpet up and feel underneath it and see if the padding under the carpet has been replaced or if it feels wet,” Bratton said. “Normally we don’t pull carpets unless there’s a musty smell, because that’s hard to get rid of.”

    Other potential signs include sand or grit or mud that seems to be embedded into any cracks, crevices or in the upholstery itself.

If you find any of these issues on a car, it has likely been flooded. We’d recommend you walk away, regardless of the potential savings, unless the car has been completely refurbished. If it has been, any reputable dealer would let you know upfront the history of the car with details on how it was restored. If they are hiding or denying any knowledge, despite the evidence to the contrary, then they simply do not deserve your business.

Finally, check out our visual guide to inspecting a car for evidence of flooding. It offers an easy checklist of tips of where to look and what to look for to help you determine if a vehicle has been involved in a flood.

The post How to Avoid Buying a Flood Damaged Vehicle appeared first on CarInsurance.org.

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How Auto Insurance Can Help You Earn A Drivers License

Three scenarios where prospective drivers try earning a drivers license include young people who are ready to get their first license, adults who are trying to re-qualify for a drivers license and immigrants who require a US license. Young, first-time drivers must pass several state administered tests to earn a drivers license. In the US, [...]

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Autonet Insurance secure advertising opportunity for upcoming England game

Autonet Insurance, one of the UK's leading van insurance brokers is delighted to announce that an advertising opportunity has been secured for an upcoming England game.

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Sunday 22 February 2015

Credit Rating Can Affect Car Insurance Rates

You may already know that car insurance companies use a long list of factors to determine how much each of us will pay for car insurance. Things they take into consideration include:

- age and sex of driver
- driver history
- make and model of the car we drive
- geographic location

What you may not know is that credit ratings are also factored in. This suggests that a poor credit rating could possibly have a negative effect on insurance rates. Indeed, that is exactly the case.

The Definition of “Credit Rating”

Before we talk about how your credit rating affects your car insurance rates it’s necessary to explain the credit rating process. In the United States a consumer credit rating is expressed in a number that can range anywhere from 300 to 800, depending on the baseline used.

That number is the result of a mathematical equation created by two engineers in the 1950s. They created the formula to see if they could predict if, and when, a consumer would default on his credit. Surprisingly, their formula turned out to be an incredibly accurate.

When this mathematical formula is applied to an individual, the resulting number is known as the “credit score.” That score tells a bank, store, or insurance company how likely you are to miss payments or fall permanently behind. Most notably, it predicts the likelihood that you will fall behind within the first six months of establishing credit.

Credit Rating Can Affect Car Insurance Rates

Credit Rating Can Affect Car Insurance Rates

Credit Rating and Car Insurance

Your credit score is important to an insurance company because they need to be confident you will make all of your payments on time and without question. They are depending on your payments as a means of helping support their cash position while also giving them some money to invest. If you have a low credit score your insurance company has reason to worry that you will miss a payment or two.

If you have a bad credit score (below 500 is considered bad) you’re likely to see higher car insurance rates. You can bring those rates down in the future by improving your credit score. As an added bonus, an improved credit score means your financial situation is healthier all the way around.

State Laws

By and large, state laws make it perfectly legal for insurance companies to consider your credit rating when determining your car insurance rates. But most of them make it illegal for an insurance company to refuse to cover your based only on your credit score. In other words, it can be a factor, but your credit score cannot be the sole determiner of your rates or whether or not you get a policy.

In addition, if you are rejected by an insurance company, state laws require that company to inform you in writing; they are required to include the reasons for rejecting you in their statement. If you see your credit score as being a factor, you know you need to work on improving that.

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Are married couples really happier?

Happiness is one of those things that can't be measured with certainty.

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America’s 12 most dangerous banks

A new report released by the Treasury's Office of Financial Research scores banks on the scale of risk they pose to the financial system, and Chase came in at No. 1 overall by a wide margin.

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Saturday 21 February 2015

The spend-it-all retirement plan

You might have planned to save for retirement, but do you have a spending strategy?

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Regression with Desmos


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Vehicle Insurance Facts To Remember Always

Introduction to car Insurance

The thought of car insurance premiums do often make motorists cringe- because of exorbitant nature that insurance for vehicles have become. Consequently, high premiums in recent years is a major determining factor. The last decade has seen the steady rise of premiums nationwide at an alarming rate that getting a cheap premium is getting more difficult by the day- without concerted efforts. No matter how pricy car insurance premiums can be- they are still vital for driving any vehicle on the road.

Why we need car insurance policy

Motor insurance policy is considered mandatory for every motorist in most countries. In the UK for instance, the law enforcement agencies are always on the prowl to enforce drivers have valid insurance policies for the cars they use. The major advantages of being adequately covered are::

Coverage against claims from motorists or passengers looking to exercise legal obligation against a policy holder that is the major cause of an accident in which losses and or damages occurred as a result.

Secondly, it is against the law in the UK to drive a vehicle without a valid insurance cover- offenders can have endorsements on their licence, get a fine, be disqualified from driving, or even imprisoned for severe and unique cases.

Risk for not having a valid insurance policy

Do not drive a vehicle which you do not have a valid insurance policy on. Below are some of the risks you face for driving without an insurance policy:

  • Endorsements are points added to your licence for breaking any of the road traffic offenses- this also not having an insurance cover to drive a particular vehicle- endorsements can also hinder one’s inability to work for an organisation that requires a clean licence.
  • 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.
  • 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.
  • 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.

What to look out for when choosing a policy

It can easily become overwhelming for new drivers attempting to get an insurance policy for the very first time. New drivers usually find it difficult to comprehend the terms or wording of their policy document- experienced drivers would be in a better position to interpret it in a simpler language for them. Nevertheless, there are still important things to consider in a policy before even considering to buy it. Below are a few important ones to look at:

  • 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.
  • Your level of excess is a major determining factor on your premium- the higher your excess, the lower your premium respectively
  • If your premiums are unaffordable then it’s time to keep on comparing quotes until you find a cheaper and much more affordable quote.
  • Your policy contains special conditions which you must comply with to avoid breaching any clause in the policy- for instance, does your policy allow for you to drive other cars? Does your policy cover you for driving in other European countries? Is break-down cover included in your policy?

Five ways to obtain low-cost quotes from insurers

Apparently, there is no cheapest car insurance provider. Basically, there are overwhelming variables that can influence the cost of vehicle insurance coverage: who you are, what you do for a living, where you live, the type of car you drive and your driving history, all contribute to what insurers use to determine the amount of premium you pay for your policy. You are now compelled to get the most affordable motor insurance deal possible by:

  • Acquiring a car that falls within a low insurance group. Some examples of cars within the low insurance group bracket includes: Vauxhall Corsa, Fiat Punto and Nissan Micra because of their small engine sizes. Obviously, the bigger the engine size of the vehicle the more power it generates and the higher the insurance premium.
  • Increasing your excess levels would decrease your premium but exercise due caution when setting your level of excess because, the amount you state on your quote form is required of you in the event of an accident. Stick with an amount that you are comfortable with and avoid pledging an amount you cannot pay out in the event of an accident.
  • Parking your vehicle in a garage overnight can help lower your premium. Reducing the risk for break-ins, theft, fire and criminal damage for the insurers will enable you get cheaper premiums from your insurance company.
  • Install security systems like alarms, immobilizer and even trackers.
  • Shop around, compare quotes, use car insurance comparison sites like www.cheapcarinsurancex.org/ to compare over 110 insurance companies from selected low cost insurers.

Where to get discounts for your premium

Knowing the insurance company that can offer you the cheapest quote is like finding a niddle in a haystack. 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 http://www.cheapcarinsurancex.org/cheap-car-insurance/student, www.cheapcarinsurancex.org/cheap-car-insurance/green + green car insurance, get pay as you go car insurance at www.cheapcarinsurancex.org/cheap-car-insurance/short-term/pay-as-you-go and many more.

Conclusion

Driving whilst under insurance protection is a lot cheaper than driving without one: The consequence of not having an insurance policy on the car you drive can be quiet costly when involved in an accident. Examples of risk motorists face for not having appropriate insurance cover on their vehicle includes- the risk of their cars been seized or destroyed by local authorities, fines, claims from other third parties and so on.

On the other hand, insuring your vehicle only gives you peace of mind and away from trouble. Always make sure you insure your car with at least the most basic level of cover before you drive on the road.

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Friday 20 February 2015

The changing face of travel for the over 50s

Over half of over 50s have changed their holiday travel habits in the last 10 years
Only 4%* haven’t taken a holiday in the last decade
Over two-thirds* travel more frequently

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New proposals for more driving penalties

If new government proposals are to go ahead, then driving penalties could get a lot more severe very soon. Offences such as speeding are to have their penalties increased by up to 50%, so instead of three points and a £60 fine, those breaking the limit could be looking at double that amount. It isn’t only speeding that is destined to be treated more severely, as using a hand-held mobile phone or not fastening your seat belt could also see you in severe driving hot water.

If fines were to go ahead, then the government could stand to gain an extra £33.5 milion a year in driving penalties alone, but they haven’t stopped there. They are planning to introduce fines for other offences, such as tailgating and cutting up other drivers, which would incur an on the spot £90 and three points on your licence.

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

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

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Thursday 19 February 2015

January sales 2015

Daily updates on the best January sales deals spotted in the New Year sales. We round up the best tech and home bargains, including online and high street deals

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Tax ID theft and e-filing concerns

Tax identity theft and fraud is a growing issue, highlighted by problems with recent state e-filings. Will security concerns affect how you file your 1040?

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The price of mental health: 'I'd rather be sad'

After a childhood filled with periods of intense therapy, Alex, a 27-year-old New Yorker with a career in theatre, doesn’t expect to go back

This is one of seven interviews with young professionals about their experiences with therapy and its costs. Read the rest here.

By the time Alex turned 18, he couldn’t remember a time when he hadn’t been on medication or in therapy.

Continue reading...

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Wednesday 18 February 2015

7 ways to fix up a home for your golden years

Are you already living in your dream home? Fix it up so you can stay there for life.

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Cash Isa deals of the week 22 January 2015

Which? Money's weekly look at the best cash Isa deals to help you invest your cash Isa allowance for 2014/15

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You Could Earn A 7.7% Yield From The FTSE 250: Lancashire Holdings Limited, Vedanta Resources plc, Berkeley Group Holdings PLC, Esure Group PLC & Ladbrokes PLC

FTSE 250 (INDEXFTSE:MCX) members Lancashire Holdings Limited (LON:LRE), Vedanta Resources plc (LON:VED), Berkeley Group Holdings PLC (LON:BKG), Esure Group PLC (LON:ESUR) & Ladbrokes PLC (LON:LAD) all ...

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Tuesday 17 February 2015

Should integral communications systems be as standard in vans?

It has been suggested that integral communications systems in vans should be made an as standard addition by van manufacturers, as an increasing number of van operators would benefit greatly from communication devices which helped them to stay in touch with colleagues or customers.

A range of communication equipment that adheres to stringent safety guidelines could allow business van drivers to improve their overall performance and productivity, perhaps with the use of a smart phone- utilising its multiple functions (sat nav, email, calls etc.)

Vans fitted with integral communications systems would also sell well on the used van market. Currently used van sales are high for vans fitted with satellite navigation systems- so one can only predict that full communications systems would fare well too.

Read more.. Related posts.. Similar posts.. More sites on related content.. Click here for more..

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ISN


ANDROiD project

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Obama’s budget plans for retirees

The president's 2016 budget proposal has lot of suggestions that affect older Americans.

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Monday 16 February 2015

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.

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4 money mindsets that trip you up

Are these four money mindsets hindering your financial goals?

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I can’t believe I haven’t refi’d

When 65 percent of homeowners say they are "very confident" that they know their mortgage rate, most of them are overconfident.

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Sunday 15 February 2015

Wage gains deliver mixed news

Higher mortgage rates are coming, maybe soon. That's what the January employment report implies.

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Nursing homes: Guardians of elderly?

Seniors can have a power of attorney in place, a health care directive and a will, but all of that planning can be overturned by a guardianship being established by a nursing home.

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AutoGlass chooses the Transit Custom

Glass manufacturer AutoGlass is refreshing its 1250-strong Transit Fleet by adding 90 long-wheelbase 2.9 tonne Custom vans.

Each van will be fitted with the bespoke interior needed by AutoGlass, especially the racking which carries the windcreens safely to vehicles. Each Transit Custom will go through a 4 year/100,000 mile lifecycle with the business. AutoGlass’ Fleet Manager, Ged Raymond said:

‘The glass we have to carry is getting bigger and therefore so must our vehicles. The Transit Custom meets our needs perfectly and is being well-received by our mobile technicians. They have always loved the Ford Transit and they like this one even more.’

The Van Insurer is on hand to provide you with a fantastic van insurance quote. We’ll even beat your cheapest.

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Saturday 14 February 2015

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

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

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Autonet Insurance launch new mobile technology

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

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Seat release special edition Mii city car

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

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Friday 13 February 2015

Methods For Acquiring Cheap Van Insurance Quotes Online

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

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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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10 Great Cars for New Parents

As an expecting parent, you will need to invest in a new car that can accommodate your new baby’s needs, including room in the back to properly install a car seat, additional space for storing a stroller and other baby supplies, and features like a sound system you can easily access and operate to play your baby’s favorite music. When you’re looking for a new car we suggest you search for cargo space, ease of access, standard features, available warranty, and the vehicle’s safety rating. Below you’ll find a list of 10 new cars selected for their ratings on several trusted websites, including J.D. Power and Associates, Edmunds, and Vroomgirls. Keep in mind that these cars aren’t listed in any particular order and they’re simply suggestions.

Honda CR-V:

  • Base (LX) MSRP: $22,495
  • MPG: 23 city/31 highway

Honda has become synonymous with quality, and its CR-V crossover is no exception. The 2012 edition offers space for five passengers, and the base model features automatic headlights, cloth seats, full power accessories, cruise control, and a rear view camera for added safety. Speaking of safety, the Honda CR-V comes with side curtain air bags and active head restraints. All of the CR-V’s trims come with a five speed automatic transmission that offers 185 horsepower and gets up to 31 mpg, making this an economical option in this class. The 2012 Honda CR-V won J.D. Power’s overall quality award, and it received top marks for its overall performance and design and predicted reliability.

Toyota RAV 4:

  • Base (A4) MSRP: $22,650
  • MPG: 22 city/28 highway

The Toyota RAV 4 is another “tweener” option for new parents who want space for numerous passengers but don’t want to drive a behemoth. The RAV 4 has enough space for five passengers and when the rear seats are folded down offers 73 cubic feet of cargo space. Standard features include keyless entry, a six-speaker sound system, some power accessories, and air conditioning. Safety-minded parents will find a good match in the RAV 4, which offers standard anti-lock disk brakes, traction control, front-seat and side air bags, and side curtain air bags. Similar to other vehicles in its class, the Toyota RAV 4 gets a combined 24 mpg from its 2.5-liter 179-horsepower engine. J.D. Power gave the RAV 4 top marks for overall quality, although it was judged average in overall performance and design and predicted reliability.

Toyota Venza Crossover:

    • Base (LE) MSRP: $27,425
    • MPG: 21 city/27 highway

Toyota’s Venza Crossover offers a roomy interior that accommodates five passengers and rides a little higher than most cars in its class. The base model features dual-zone automatic climate control, power accessories, and a six-speaker sound system with integrated Bluetooth connectivity. Although the standard features are nice, most parents are probably going to be more concerned about the car’s safety. The Toyota Venza has anti-lock disk brakes, traction control, and front-seat side, driver knee, and side curtain air bags. In government impact tests the Venza received four stars for rollover protection and five stars for side-impact protection, making this one of the safest cars on the road today. J.D. Power gave the 2012 Toyota Venza a four out of five for overall quality and predicted reliability, which shows this car could be a good long-term investment. The deal is sweetened by Toyota’s basic warranty, which covers 36 months or 36,000 miles, and its maintenance warranty of 24 months or 25,000 miles.

Honda Odyssey:

      • Base (LX) MSRP: $28,375
      • MPG: 18 city/27 highway

Similar to other large vans in our list, the Honda Odyssey has seating space for up to eight passengers and offers easy access via its sliding side doors and extra cargo space in the back for your baby’s supplies. Standard versions of this car come with cloth upholstery, full power accessories, keyless entry, cruise control, air conditioning, and a 60/40 split-folding third-row seat. Higher trims offer a rearview camera which could be helpful when you’re trying to back out of a parking spot. The 2012 Honda Odyssey performed exceedingly well in government crash tests: it received an overall rating of five out of five stars from the NHTSA and a “Good” rating, the highest available, for frontal-offset and side-impact crashes from the IIHS. The 2012 Honda Odyssey also received a five out of five rating for overall performance and design and a four out of five in overall quality from J.D. Power. However, the publication gave it a two out of five for predicted reliability, which is an issue you should be aware of as you shop around.

Ford Edge SUV:

      • Base (SE) MSRP: $27,770
      • MPG: 19 city/27 highway

The Ford Edge SUV is another medium-sized crossover vehicle that is ideal for parents who want plenty of space but aren’t interested in driving a van. This model’s standard features include air conditioning, full power accessories, cruise control, a tilt-and-telescope steering wheel, and more. Higher trim levels have other options, such as keyless entry code pad or an upgraded audio system. The base model comes with a 285 horsepower engine that gets up to 27 mpg, which is competitive for a car of its size. The Edge’s interior has space for five passengers and a large rear compartment that can store all of your baby’s supplies. The back row of seats can also be folded down for extra cargo space. Similar to other vehicles in this list, the 2012 Ford Edge SUV has received good reviews for safety. The NHTSA gave it an overall rating of four out of five stars, and it received a “Good” rating for roof strength and frontal offset and side-impact crashes.

Nissan Quest S (CVT):

      • Base (S) MSRP: $25,990
      • MPG: 19 city/24 highway

Stepping up in size is the Nissan Quest S CVT, which has space for seven passengers and standard features that include cruise control, ambient interior lighting, a four-speaker sound system, and a trip computer. Access to the second and third-row of seats, which are raised about the front-floor level to improve visibility, is aided by power sliding doors that open with a single touch. Under the hood the Quest has a 3.5-liter V-6 engine that offers 260 horsepower and a combined 21 mpg. The 2012 edition was one of the highest-rated vehicles by J.D. Power, which gave it five stars for its overall quality, performance, and design.

Nissan Murano SUV:

      • Base (S) MSRP: $29,960
      • MPG: 18 city/23 highway

Nissan’s Murano SUV offers a wide range of standard interior and safety features well-suited for new parents. The base model features dual-zone automatic climate control, cloth upholstery, some power accessories, and a six-speaker sound system. Higher trim packages offer other perks, such as rearview cameras and an upgraded sound system. Standard safety features include stability control, active front head restraints, anti-lock disc brakes, and front side and side curtain air bags. This model also has a pretty sizable rear storage space and the back row of seats can be set down to increase cargo space. The IIHS gave the 2012 Murano “Good” ratings for frontal offset and side-impact crash tests, and J.D. Power gave the SUV a five out of five for overall quality.

Toyota Prius C:

      • Base (One) MSRP: $18,950
      • MPG: 53 city/46 highway

The relatively compact Toyota Prius C delivers 50-plus MPG in the city, features no fewer than nine airbags, and has more interior room than it would appear from the outside. You’ll have to take a little more time to fit in a stroller and baby bag and the engine can be noisy under heavy acceleration, an issue that might put off parents of newborns. However, the Toyota Prius C’s price and top-of-the-line safety features make it a good option for new parents. The Prius C received “Good” ratings from the Insurance Institute for Highway Safety for all crash protection tests, and the hybrid model was named a top safety pick for 2012. J.D. Power gave the Toyota Prius C a four out of five for predicted reliability.

Kia Soul:

      • Base (M6) MSRP: $13,900
      • MPG: 25 city/30 highway

The stylish, well-priced Kia Soul compact hatchback offers plenty of space, utility, safety features, and a strong warranty. It has space for five passengers and the base model has cloth seats, full power accessories, USB audio jacks, and air condition. Cruise control, keyless entry, and other amenities are offered in the higher trim levels. The 2012 Soul has been updated with more powerful engines, 15-inch steel wheels, and wider tires. The base engine is a 1.6-liter four-cylinder that puts out 138 horsepower, while the plus version has a 2.0-liter engine rated at 164 horsepower. Although the plus version’s engine makes for a more exciting driving experience, the base model offers better gas mileage.

The Kia Soul’s safety features include side curtain air bags and stability control, and it received a “Good” rating, the highest possible, from the Insurance Institute for Highway Safety for frontal offset and side-impact crashes. Budget minded shoppers will like Kia’s basic warranty, which covers the car for 60 months or 60,000 miles. New buyers also receive a powertrain warranty that covers 120 months or 100,000 miles. J.D. Power awarded the 2012 Kia Soul awards for performance and quality. Although the Kia Soul isn’t the largest vehicle on the list it’s still a great option for new parents who want a fun car that meets their needs for space and safety.

Honda Pilot:

      • Base (LX FWD) MSRP: $28,620
      • MPG: 18 city/25 highway

With enough space for eight passengers, the Honda Pilot is one of the largest vehicles in its class. It offers a wide range of standard features, including full power accessories, split-folding second and third-row bench seats, and remote keyless entry. The higher trim levels offer a rearview camera which can be helpful for maneuvering out of parking spots safely. This car is powered by a 3.5-liter V-6 engine that is rated at 250 horsepower and gets as much as 25 mpg. In addition to its standard features, space, and relatively good gas mileage, the Honda Pilot has received high marks for its safety. The SUV, which comes with side curtain air bags for all three rows, received a frontal crash rating of four out of five stars from the National Highway Traffic Safety Administration. J.D. Power gave the 2012 Honda Pilot high marks for its overall quality and performance and design. Due to its size this may not be an ideal option for new parents, but could be a wise investment if the space is going to be needed in the future.

The post 10 Great Cars for New Parents appeared first on CarInsurance.org.

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Thursday 12 February 2015

US predicts strong tourism growth

US predicts strong tourism growth

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Your kids will cost you £313 this month

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

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

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

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

Regional variations

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

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

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

Cost of children essentials per month and year

London

Rest of South

Midlands, Wales

North

Scotland

Average

Food and drink

£106.30

£89.70

£84.70

£89.50

£99.00

£91.50

Entertainment

£33.50

£29.40

£30.30

£30.10

£39.10

£31.20

Toys and gifts

£23.30

£22.90

£21.60

£23.10

£24.00

£22.90

Holidays

£65.40

£65.00

£59.90

£49.00

£44.60

£58.10

Activities

£37.10

£39.10

£36.70

£30.90

£52.20

£37.40

Transportation

£50.00

£35.40

£32.80

£35.60

£44.80

£37.10

Babysitting

£17.90

£65.40

£36.10

£14.70

£47.80

£35.30

Monthly totals

£333.50

£346.90

£301.80

£272.90

£351.50

£313.50

Annual totals

£4,002

£4,163

£3,625

£3,275

£4,218

£3,762

Source: Santander

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

Wise up to supermarket tricks

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

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

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

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

Check your benefits

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

Teaching kids the value of money

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

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

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

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

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

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Fantastic turnout for Commercial Vehicle Show 2012

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

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

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

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