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Friday, 31 August 2012
10 cars for going back to school
Kelley Blue Book culled its data to develop a list of the top 10 cars for students that can be purchased for less than $16,000.
Thrifty Car and Van Rental announce charity partners
Thrifty Car and Van Rental has announced which local and national charities it is to support this year; and the lucky two are the NSPCC and Hospiscare. Thrifty has pledged to do what it can to raise as much money as possible throughout 2012 via a wide range of activities including dress down days, raffles and even donating £1 for every rental which goes through its website. Once all donations and money raised have been totted up, the final total will be split equally between the two charities.
Linda Paul, Director of Central Services for Thrifty Car and Van Rental said;
‘Everybody will be getting into the charitable spirit this year by taking part in dress down days and holding raffles. We hope to raise a significant amount of money which will make a huge difference to everyone involved with and benefiting from Hospiscare and the NSPCC.’
Hospiscare is delighted to have been chosen by Thrifty especially because, as a local charity, its profile isn’t as high as some other better known causes. Marc Astley, Hospiscare’s PR and Marketing Officer said;
‘Thrifty has been a wonderful partner and we are extremely grateful they have continued to support our charity. Not only have they raised lots of money, they have also supplied Hospiscare with a number of vehicles to help transport donated items to our chain of shops across Devon.’
Geraldine Harman, NSPCC’s Corporate Business Manager said their charity is equally as delighted to be receiving the much-needed support from Thrifty;
‘Without the support of companies such as Thrifty we simply wouldn’t be able to continue to run our services to help those children affected by abuse and neglect. We can’t wait to hear about the company’s fundraising events as we work closely with them throughout the year.’
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Admiral shares fall due to car insurance growth fears
Shares in Admiral, the owner of Confused.com, came under pressure as fears over slowing growth in its key UK car insurance arm overshadowed an eighth consecutive year of record profits.
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Thursday, 30 August 2012
RCT Leans Towards Renault Vans
The staff of RCT Homes opted for Renault when they were given the opportunity to choose which manufacturer would provide their new fleet. RCT Homes, Wales’ largest social landlord put in an order for 51 of Renault’s Master vans for their maintenance crew who traverse all over Wales taking care of homes on more than five dozen housing estates and in 27 sheltered housing schemes.
Van insurance comparison from The Van Insurer
RCT Homes has a new way of taking care of housing; RCT does this by being a community mutual organisation. By being a community mutual organisation, RCT Homes has five of their tenants sitting on the RCT Homes Board; the tenants play a major part in looking over new policies and procedures and in the oversight of RCT Homes major decisions. In choosing which vans to order, one member from each trade team of RCT Homes was involved in checking out the interior of the vans to make sure that the vans that the organisation leased would be practical and meet the needs of the team out on the road. The teams went to Shropshire so that everybody had an opportunity to test drive the new vans.
After putting various demo vans through rigorous tests, the drivers were asked to respond to a survey, the survey showed that the drivers preferred Renault hands down.
One of the tradesmen of RCT Homes, Andrew Rigby commented that involving the workers in the decision making process has resulted in the boys being happy about having new vans that are suited to their personal trades.
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Top Four Van Insurance Coverage Cash Saving Suggestions
Everybody likes to avoid wasting cash, particularly in the current economic situation. Consider it or not, one place you possibly can be saving is on your insurance coverage on your van. Obtaining the appropriate insurance coverage is imperative as it protects you as well as your van against many dangers, not to point out that it is compulsory legally inside the UK. This means that you have to have insurance coverage, but it does not mean it's important to pay a excessive quote. You'll find affordable deals, however it's important to know easy methods to deal with the purchase of your insurance coverage. This is a short look at a few wonderful cash saving tips you should use as you search for a terrific package when insuring your new van.
1 - Spend Time Shopping All around At the beginning, if you wish to save money on your van insurance coverage, you are going to spend some time in buying around. It does not have to take a lot time though. The internet has made comparison purchasing simpler more than ever. All you must do is jump online, visit some comparability websites on the net, fill out a quick form and you may be evaluating rates quickly. Just be certain that you all the time have a look at more than the cost. Obtaining the proper cover can also be important, so evaluate core features and price for the perfect throughout deal for your needs.
2- Lower Your Rates with a Greater Voluntary Excess Another approach though which it can save you and lower your rates is to go along with a better voluntary excess. It's a quite simple rule of thumb to recall. The higher the voluntary excess you choose, lower the premium on the insurance is going to be for you. Merely raising the voluntary excess by several pounds could make a huge difference. Work out precisely what you'll be able to afford to pay as voluntary excess. You should go along with it option to make sure you save much on your van insurance coverage premiums.
3 - Don't Permit Your Insurance coverage to Lapse Don't enable your insurance to lapse if you want to save some money with your van insurance. If you happen to find yourself allowing the policy to lapse, insurance companies are going to take a look at you as a huge risk. They could even assume that you are somebody that's irresponsible. In lots of circumstances you will end up paying more for the insurance coverage you want, if you have left your insurance coverage on the van to expire. Make sure you preserve your policy going, even when you have to go along with a short time period choice, while looking for one of the best long run policy for your needs.
4 - Search for Any type of Attainable Discounts Just remember to look for any potential bargains. Many individuals do not understand how many discounts are available and they never assume to search for them or ask about them. Economizing a little occasionally with reductions can really add as much as a nice financial savings in your policy. There are discounts for buying on-line, discounts for a number of insurance policies, safe driving reductions, discounts for security devices and more.
Ask about discounts available and attempt to get each discount that you simply can get. The more discounts you get, the more you'll spend less on your insurance for van. In a nutshell, these are very effective ways for reducing one's van insurance premium to obtain that elusive cheap van insurance everyone's talking about. There are also great ways to find affordable tool insurance, compare van insurance quote, check and compare 1st central car insurance with van insurance comparison, one day van insurance and many more
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1 - Spend Time Shopping All around At the beginning, if you wish to save money on your van insurance coverage, you are going to spend some time in buying around. It does not have to take a lot time though. The internet has made comparison purchasing simpler more than ever. All you must do is jump online, visit some comparability websites on the net, fill out a quick form and you may be evaluating rates quickly. Just be certain that you all the time have a look at more than the cost. Obtaining the proper cover can also be important, so evaluate core features and price for the perfect throughout deal for your needs.
2- Lower Your Rates with a Greater Voluntary Excess Another approach though which it can save you and lower your rates is to go along with a better voluntary excess. It's a quite simple rule of thumb to recall. The higher the voluntary excess you choose, lower the premium on the insurance is going to be for you. Merely raising the voluntary excess by several pounds could make a huge difference. Work out precisely what you'll be able to afford to pay as voluntary excess. You should go along with it option to make sure you save much on your van insurance coverage premiums.
3 - Don't Permit Your Insurance coverage to Lapse Don't enable your insurance to lapse if you want to save some money with your van insurance. If you happen to find yourself allowing the policy to lapse, insurance companies are going to take a look at you as a huge risk. They could even assume that you are somebody that's irresponsible. In lots of circumstances you will end up paying more for the insurance coverage you want, if you have left your insurance coverage on the van to expire. Make sure you preserve your policy going, even when you have to go along with a short time period choice, while looking for one of the best long run policy for your needs.
4 - Search for Any type of Attainable Discounts Just remember to look for any potential bargains. Many individuals do not understand how many discounts are available and they never assume to search for them or ask about them. Economizing a little occasionally with reductions can really add as much as a nice financial savings in your policy. There are discounts for buying on-line, discounts for a number of insurance policies, safe driving reductions, discounts for security devices and more.
Ask about discounts available and attempt to get each discount that you simply can get. The more discounts you get, the more you'll spend less on your insurance for van. In a nutshell, these are very effective ways for reducing one's van insurance premium to obtain that elusive cheap van insurance everyone's talking about. There are also great ways to find affordable tool insurance, compare van insurance quote, check and compare 1st central car insurance with van insurance comparison, one day van insurance and many more
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SEC scraps money fund reform
The controversy over money market fund reform may be over for the moment as the SEC announced plans to scrap a vote on new proposals.
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Wednesday, 29 August 2012
Retirement planning in Rochester, Minnesota
On the lookout for tips on retirement planning in Rochester, MN? Raise your strategy and let our site do the work for you. Use our tools, calculators and guidelines to satisfy all your retirement planning needs. Consider investing in a money market account as a safe and secure vehicle for retirement planning in Rochester, MN.
Check out our money market account comparison tools
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Phoenix Grp Hldgs - Chairman Appointment
Directorate Change Phoenix Group appoints Chairman Phoenix Group Holdings is pleased to announce the appointment of Sir Howard Davies as Chairman of the Phoenix Group, succeeding Ron Sandler with effect ...
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Auto loan rates in Florence, Alabama
The average national auto loan rates dropped in our latest rates survey, with the average 48-month new-car loan rate falling to 4.25 percent. That's low, but there are some lenders offering even lower rates. You can use our research to find the lowest auto loan rates in Florence, AL, and in other areas of Alabama.
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Tuesday, 28 August 2012
Saving Money On Your Temporary Van Insurance Premium
The utilization of long term cheap van insurance policy is really so popular amongst everyone using their van on a long term basis. On the other hand, not every individual is aware of how abundant they can save for their premiums when they basically utilize their van on limited time period basis primarily.
You could need a short term van insurance coverage that ranges from 1 day van insurance coverage to 28 days van insurance policy if your van usage is meant for short term use only. Another fantastic way to save on your premiums is the choice to choose whether or not you need a business cover or just a personal cover. So, why spend money for a protection plan that covers you all year when you only need coverage for a short while?
You can certainly save a huge amount of money once you go along with personal van insurance for forty eight hours Get up to 36 quotes here- http://www.cheapestvaninsurance.org/
Specifically Tailored For Businesses in Need of Short Term Van Insurance Cover
Business owners often look for van insurance coverage without actually knowing how much money they could save on short term van insurance coverage when they use their van on very short periods. Keeping a van insured all year round can be expensive especially when you do not use it all the time, but when you choose a temporary van insurance, you're guaranteed to save money instead of paying for a policy that you do not need.
Suitable for Short Breaks and Vacations with Family Members
You'll discover that having private van insurance is an ideal solution for your short term use of your van on vacations and holidays with your loved ones and close friends as well. While you may never use your van on a day to day basis, if you are going on a vacation, you may want to take a van since it has more room in it. However, if this scenario is true then there is no doubt you will not be needing an insurance policy of some sort. So a short term van insurance cover would be ideal for you.
Try not to go on your vacation without adequate van insurance cover that will protect you while you're gone.
Quick and Easily Obtainable
You'll also come across that private van insurance for 48 hours is simple and fast to have. Within a few minutes you can easily receive the policy you need online or on the web, In concluding, if you have a van you seldom make use of throughout the year, then you will need to buy a short-term van insurance policy that should cover you for the period. You can also obtain one day van insurance up to 28 days van insurance cover here- http://www.cheapestvaninsurance.org/one-day-van-insurance.html
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You could need a short term van insurance coverage that ranges from 1 day van insurance coverage to 28 days van insurance policy if your van usage is meant for short term use only. Another fantastic way to save on your premiums is the choice to choose whether or not you need a business cover or just a personal cover. So, why spend money for a protection plan that covers you all year when you only need coverage for a short while?
You can certainly save a huge amount of money once you go along with personal van insurance for forty eight hours Get up to 36 quotes here- http://www.cheapestvaninsurance.org/
Specifically Tailored For Businesses in Need of Short Term Van Insurance Cover
Business owners often look for van insurance coverage without actually knowing how much money they could save on short term van insurance coverage when they use their van on very short periods. Keeping a van insured all year round can be expensive especially when you do not use it all the time, but when you choose a temporary van insurance, you're guaranteed to save money instead of paying for a policy that you do not need.
Suitable for Short Breaks and Vacations with Family Members
You'll discover that having private van insurance is an ideal solution for your short term use of your van on vacations and holidays with your loved ones and close friends as well. While you may never use your van on a day to day basis, if you are going on a vacation, you may want to take a van since it has more room in it. However, if this scenario is true then there is no doubt you will not be needing an insurance policy of some sort. So a short term van insurance cover would be ideal for you.
Try not to go on your vacation without adequate van insurance cover that will protect you while you're gone.
Quick and Easily Obtainable
You'll also come across that private van insurance for 48 hours is simple and fast to have. Within a few minutes you can easily receive the policy you need online or on the web, In concluding, if you have a van you seldom make use of throughout the year, then you will need to buy a short-term van insurance policy that should cover you for the period. You can also obtain one day van insurance up to 28 days van insurance cover here- http://www.cheapestvaninsurance.org/one-day-van-insurance.html
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Earn cashback in bars and restaurants
If you’re planning to spend plenty of time in bars and restaurants over the coming months, Santander offers a new way to earn rewards.
In a bid to tempt more customers to take out its 123 Credit Card, Santander is giving borrowers the chance to earn 1% cashback in ‘all major’ bars and restaurants this summer.
This offer is on top of the existing cashback deal, which pays up to 3% depending on your spending habits.
Although there’s a £24 annual fee, it’s possible to avoid this charge if you also take out a particular current account with Santander.
So what’s happening this summer?
The first thing you might want to know is whether transactions in your favourite eating places and watering holes will be eligible for rewards.
While the family-run bistro at the end of your street might not qualify, the list of participating bars and restaurants is certainly extensive.
Among the more well-known are: All Bar One, Carluccio’s, Domino’s, Frankie and Benny’s, La Tasca, McDonald’s, Nando’s, Pizza Express, Pizza Hut, Starbucks, TGI Friday and Wagamama.
However, there are many others – for a more comprehensive list of where else you can earn cashback, check out the PDF on Santander’s website.
The additional cashback offer will run until 30 September 2012.
How else can you earn rewards?
The card also pays 1% cashback on supermarket spending, 2% in department stores and 3% at petrol stations.
As a potential downside, there is a £9 monthly limit on the amount of cashback you can earn on fuel spending.
Whenever you earn cashback, Santander will credit this amount to your next monthly statement.
How do I avoid the £24 fee?
If you take out a 123 Current Account in conjunction with your credit card, Santander will refund your fee for the first year.
This 123 Current Account offers up to 3% cashback if you pay household bills by direct debit and also pays up to 3% gross AER on the money in your account. However, it does come with a £2 monthly fee.
For more information on the 123 Current Account, read our review Earn money just by paying your bills.
Anything else I need to know?
Whenever you use a rewards credit card, it’s wise to ensure you can pay off the balance in full each month – and this offer is no exception.
If you leave a debt on this card, you’ll pay interest at a rate of 22.8% APR representative, which means these payments could soon wipe off the value of any cashback you earn.
What else is on offer?
The Capital One Aspire World Card pays 5% cashback for the first three months – up to £100. After the initial period has elapsed, you’ll earn up to 1.25% cashback.
With the American Express Platinum Cashback Credit Card, you can also earn 5% cashback in the first three months – up to £100.
Thereafter, you can earn 1.25% on your spending, which is doubled to 2.5% for one month of the year. Beware, however, this card comes with a £25 annual fee.
In a relatively new entry to the rewards card market, Asda has launched a card that pays 1% cashback on shopping in the supermarket and 0.5% on other spending.
Apply for the 123 Current Account
**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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SAGA INTRODUCES HOLIDAYS TO MOZAMBIQUE
(and a host of other destinations you might not have expected)
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Monday, 27 August 2012
Hot Car Deals, 03 August 2012
Which? Hot Car Deals: Three great discounts on the Ford Fiesta, including Zetec and Econetic models.
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COMMENTING ON TODAY’S INFLATION FIGURES, DR ROS ALTMANN, DIRECTOR-GENERAL OF OVER-50S SPECIALISTS SAGA SAYS:
“Today's inflation figures show that the Bank of England cannot be complacent. I would warn against another damaging bout of quantitative easing which by the Bank of England’s own estimates has already pushed up UK inflation.
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Sunday, 26 August 2012
Week Ahead: Bovis, Persimmon, Diageo, UK GDP
Results season for the house builders is upon us, and Bovis Homes kicks it off on Monday after releasing what Peel Hunt regarded as the weakest trading statement of all the companies in the sector back ...
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5 things to know: 8-17-12
Put on your flip-flops and grab a pina colada because paradise might just be within your reach. This and more, today on Bankrate.com.
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Top 50 Insurers 2011: usual suspects top rankings
Lloyds, Aviva and RBSI on top, as QBE grows in Top 50
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Saturday, 25 August 2012
NFU Mutual achieves underwriting profit in 2011
Combined operating ratio down to 91% in 2011
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Five of the craftiest holiday cons
With the average victim of theft abroad losing £414, we reveal five of the most common scams.
Some 7% of Brits who have been abroad within the past two years have lost money through theft or fraud, according to research from Sainsbury’s Finance.
On average, the value of these stolen items totals £414 – a sum few of us could afford to lose after paying for a holiday. Perhaps unsurprisingly, cash is the most common target for thieves.
If you’re worried about falling victim to crime abroad, Sainsbury’s research revealed five techniques fraudsters employ to trick tourists.
1. The seat belt fine
If you’re taking a taxi during your holiday and the driver informs you need to pay a seat belt fine, there’s a good chance you’re being set up.
After taking your ‘fine’, the driver may disappear around a corner and pretend to be handing the cash over to an official.
Alternatively, the trick may involve another scammer playing the role of a police offer who collects your cash.
To avoid getting caught out by these types of hoaxes, it might be worth researching local laws in your destination before leaving the UK.
2. The beachcomber
If you’re soaking up the sun on your holiday, you should be especially vigilant for fraudsters who operate on beaches.
Using this trick, a thief observes their potential targets and swoops in to steal their bag and possessions when they go for a swim in the sea.
3. The distraction dupe
Thieves and scammers often work in tandem in order to hoodwink their victims.
As one of the pair distracts you with a false story or by making conversation, an accomplice is busy stealing from your bag or pockets.
4. The bus breakdown
If you’re on a bus that suddenly experiences mechanical problems, you should be on the alert for a possible scam.
With the bus breakdown con, the driver will stop the vehicle in some deserted location and insist the passengers pay an additional fare to be collected by a second bus.
5. The note switch
When handing over your cash in a bar or taxi, keep an eye open for the note switch trick.
Criminals may accept a large note, swap it for a smaller denomination and then claim you have underpaid.
Admittedly, it can be difficult to get to grips with a new currency when you’re travelling. However, few of us would readily hand over more cash if this situation arose in the UK, so don’t be duped on holiday.
Where you’re most at risk
According to Sainsbury’s data, scams and thefts are most likely to occur in hotel rooms or on public transport.
Other common crime hotspots include tourist attractions, beaches, bars, ATMs, cars and shops.
Will travel insurance pay out?
Most travel insurance policies are designed to cover you against losses that result from crime, but there are a number of ways you could inadvertently invalidate your policy.
If, for example, you have consumed excessive amounts of alcohol at the time of the crime, the insurer may decide you have taken an unjustifiable risk and refuse to cover your claim.
Many insurance companies also require you report any incident to the local police within a set time period – often 24 hours. If you fail to meet the deadline, you may be unable to claim.
Of course, we’re not trying to put a damper on your holiday plans. As long as you’re sensible, there’s no reason you should fall prey to any of these scams – just remember to be on your guard as you’re lounging in the sun.
For more articles like this, check out Holiday rip-offs revealed and The worst travel insurance blunders.
**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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Friday, 24 August 2012
Will you break the law this summer?
More than three million Brits will risk breaking the law overseas this summer. Will you be one of them?
An estimated 10 million people will drive their cars abroad this summer, research conducted by car insurer AXA has revealed.
More than one in three of these motorists will risk breaking the law in ways they wouldn't do at home.
Some 27% of those surveyed said they’re less concerned about speeding when they’re abroad and 18% said they take drink driving less seriously on holiday.
Before you head overseas this summer, there are a number of things you can do to ensure your trip goes as smoothly as possible.
Ensure you’re covered
Have a look at your car insurance policy to see whether you’re covered for driving abroad.
Not all insurance policies cover this, but you can often pay a one-off fee to add this extra cover.
If you’re not sure or can’t find your policy documents, give your insurer a call.
Check the local laws
Different countries ...
An estimated 10 million people will drive their cars abroad this summer, research conducted by car insurer AXA has revealed.
More than one in three of these motorists will risk breaking the law in ways they wouldn't do at home.
Some 27% of those surveyed said they’re less concerned about speeding when they’re abroad and 18% said they take drink driving less seriously on holiday.
Before you head overseas this summer, there are a number of things you can do to ensure your trip goes as smoothly as possible.
Ensure you’re covered
Have a look at your car insurance policy to see whether you’re covered for driving abroad.
Not all insurance policies cover this, but you can often pay a one-off fee to add this extra cover.
If you’re not sure or can’t find your policy documents, give your insurer a call.
Check the local laws
Different countries ...
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Financial pros and cons of shacking up after 60
Love is great, but it's probably best to have a contract no matter what your marital status.
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'Glenstrata' merger at risk as Qatar drags its feet
Shares in Xstrata were under heavy selling pressure on Monday after Qatar Holding raised its stake in the miner, increasing speculation that the group could move to block its merger with commodities giant ...
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Thursday, 23 August 2012
Fannie, Freddie payments rev up
A revised bailout plan will accelerate dissolution of the mortgage giants.
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Will you break the law this summer?
More than three million Brits will risk breaking the law overseas this summer. Will you be one of them?
An estimated 10 million people will drive their cars abroad this summer, research conducted by car insurer AXA has revealed.
More than one in three of these motorists will risk breaking the law in ways they wouldn't do at home.
Some 27% of those surveyed said they’re less concerned about speeding when they’re abroad and 18% said they take drink driving less seriously on holiday.
Before you head overseas this summer, there are a number of things you can do to ensure your trip goes as smoothly as possible.
Ensure you’re covered
Have a look at your car insurance policy to see whether you’re covered for driving abroad.
Not all insurance policies cover this, but you can often pay a one-off fee to add this extra cover.
If you’re not sure or can’t find your policy documents, give your insurer a call.
Check the local laws
Different countrie...
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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Wednesday, 22 August 2012
Sitting Your Kids Below The Ages Of 2 Within A Rear Facing Position Is Notably Less compromising In comparison with Any Other Sitting Position Claims The United states School For Pediatrics
This innovative discoveries by the American Academy of Pediatrics (AAP) will surprise most parents / guardians in to altering their unconventional practices of safeguarding their infants inside vehicles. 
Enclosed inside a new policy released in the issue of April 2011 of Pediatric medicine, fathers and mothers are advised to keep their children within a rear-facing infant car seat up till the age of two or better still when they have gotten to the required height and also body weight for their specified seat. Also, the AAP also reminded parents about the basic requirement for their children to use booster seats that seat belt positioned until the height of 4' and 9" in height as well as reaching the ages of 8-12 years of age.
A previous policy published in 2002 also advised that it is much safer for toddlers and infants to be placed in a rear facing up position up to the limits of the car seat, also indicating age 12 months and 20 pounds as absolute minimum. Noticeably, a huge percentage of parents were observed changing their child's car seat position to a front facing one from rear-faced position upon their babies turning one.
"Transition from one stage to another often gets parents excited, but these transitions must generally be delayed until they are absolutely necessary, as the child fully develop and outgrows the restrictions for his or her present stage," said Dennis Dubin, MD, FAAP, leader and author of the policy statement as well as the accompanying technical report.
"A rear-facing child safety seat does a better job of supporting the head, neck and spine of infants and toddlers in a crash, because it distributes the force of the collision over the entire body," dr durbin said. "with larger kids, a harness fitted forward facing seat is a lot safer than booster seats, and a belt positioning booster seat gives the most protection possible than just a seat belt alone until the seat belt can work correctly."
While the rate of deaths in motor vehicle crashes in children under age 16 has decreased substantially, dropping 45 percent between 1997 and 2009, it is still the leading cause of death for children ages 4 and older. Totalling children and teenagers up to the ages of 21 years, over 5,000 deaths are recorded each year. The amount of casualties can be alarming: for every fatality, approximately 18 children get admitted in hospital while more than four hundred are seriously injured enough to need medical assistance.
Results from research made have uncovered the truth that kids are safer in rear-facing car seats. The 2007 journal injury prevention study unveiled that children within the ages of 2 yr were 75% less likely to be killed or obtain very severe injuries in the event of a crash if they are sat in a rear facing manner.
The age 2 recommendation is not a deadline, but rather a guideline to help parents decide when to make the transition, Dr. Durbin said. Smaller children will benefit from remaining rear-facing longer, while other children may reach the maximum height or weight before 2 years of age.
Children must be transitioned from a rear facing car seat to a forward facing car seat that comes with harness for optimal safety, this should continue until they reach the required height and weight. Then a booster will make sure the vehicle's lap-and-shoulder belt fit properly. The correct positioning of the seat belt should be for it to lie across in between the shoulder and the chest rather than laying across the face or the neck- as this can be dangerous in the event of an accident .
While the lap belt on the other hand must fit low and snug on the upper thighs and hips instead of the belly. A number kids will most definitely require a booster seat until they've grown till four feet and nine inches tall as well as being 8 to 12 years of age.
Children should ride in a http://www.primoeurobath.com/booster-seat.html or an http://www.primoeurobath.com/infant-car-seat.html in the rear of a vehicle until they are 13 years old.
An appropriate age and size restraints are still needed for children under the ages of 2 years to ride on the laps of an adult even though the Federal Aviation Authority permits kids to ride on adult's laps.
Just to recap, whatsoever method of transportation, children must be secured or restrained adequately to avoid severe injuries should an accident occur, whether by air, sea or land kids should always be retrained properly, Dr Durbin said. http://www.primoeurobath.com/, http://www.primoeurobath.com/baby-strollers.html, http://www.primoeurobath.com/baby-monitor.html and safe http://www.primoeurobath.com/baby-swings.html are a few of the most valuable baby products recommended for kids safety in their everyday life.
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Auto loan rates in Biloxi, Mississippi
Average car loan rates are low. In fact, the average 48-month new-car loan is currently at 4.33 percent. And several lenders are offering even lower rates, making it a good time to finance. You can use our rates survey to find the lowest auto loan rates in Biloxi, MS.
There are more hybrids and electrics on
There are more hybrids and electrics on
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Tuesday, 21 August 2012
Can your lender foreclose after bankruptcy?
Bankruptcy may have put your debts behind you, but it doesn't erase the bank wanting your house.
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7 Tips for Teaching Your Teen How to Drive
Want to raise your blood pressure? Teach a teenager how to drive. If you’re about to let your child on the road, no doubt you’ve been coaching them on safe driving techniques. And if the safety of your progeny isn’t enough, avoiding normal teen driving mistakes will keep your car insurance rates low. Here are seven tips for parents to help maintain their sanity:
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Start Young
Transportation should always be a part of life. Teach young children about travel, and speak to them intelligently about driving from a young age. Emphasize the benefits of responsible travel behavior and safety. Bonus points for including energy conservation and emissions in the conversation.
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Drive With Pride
Drive responsibly when with your child, and have conversations about the driving process. Your driving will set the example for your teen. Point out when someone (including yourself) commits a driving offense, but avoid giving in to road rage.
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Make Your Negatives Positive
If you’ve got to criticize a young driver, do it in a positive way. Offer positive feedback first, then proceed to corrective comments. Your goal is to empower your teen to drive safely and competently, not to scold. Try asking questions about their decision-making process versus screaming at them on a crowded highway.
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Outsource It
If you don’t feel comfortable teaching your teen to drive, enlist (read: pay) a friend or tutor to act as a mentor. Better yet, send your child to driver’s education school. Just make sure you know your state’s requirements before letting your teen loose on the open road.
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Monitor Unnecessary Driving
A young driver should concentrate on gaining meaningful road experience, but they’re likely to have their eyes on a different prize. Don’t let your teen drive to social events if they’re not ready — especially if they are likely to have teen passengers or access to alcohol. Motor vehicle crashes account for more than one-third of all teen deaths, and crashes are more common with teen passengers in the car.
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Find Ease With the Five Keys
The Smith System is a set of driving techniques encouraging intuitive, proactive decisions. The system’s “Five Keys” are as follows: 1) look far ahead; 2) get the big picture; 3) keep your eyes moving; 4) leave yourself a traffic out; 5) make sure other drivers see you.
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Nothing Tops Blood on the Highway
It’s a gruesome truth. Be as sensitive as you can, but don’t think twice about firm discussions with your teen regarding driving safety. Even service provider AT&T is buying commercial time on television to share distracted driving horror stories from accident victims and their families. Distracted driving accounts for 6,000 highway deaths per year, and teenagers are involved in three times the fatal crashes of other age groups. Educate and teach your young driver to exercise proper caution and care when alone on the open road. Learn more about teen driving facts here.
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ChipsAway to Use Cost Effective VW Transporter
It has been confirmed by ChipsAway, national automotive body and paint repair provider, that the new Volkswagen Transporter will be the only vehicle that has approved for their fleet of 350 plus mobile technicians.
Van insurance comparison from The Van Insurer
ChipsAway, who performs minor auto paint and body repair to damage incurred by scratches, bumps, and scuffs has chosen the new Volkswagen Transporter for several reasons.
Quality
Reliability
Cost-effectiveness
Lloyd Evans, Chief Executive remarked that these factors were not only important to ChipsAways’ business philosophy but were also were factors when choosing a vehicle that suited their needs.
Good choice for mobile workshops.
Evans also cited that the VW Transporter was clearly the best choice for their mobile workshops. Evans noted the consistent brand image that strengthens ChipsAway’s reputation as being the leader in the speciality field of minor automotive paintwork repairs.
Evans hailed the Volkswagen Transporter as a van that enables ChipsAway to provide their customers service that is high quality, good value, same day and at a location that is convenient.
The Head of Marketing for Volkswagen Commercial Vehicles remarked that the Volkswagen Transporter had evolved through five generations during the past six decades to be one of the best and most popular vans that has ever been.
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Monday, 20 August 2012
Ryan’s support of the wealthy
Republican Paul Ryan has made no secret of his support of the rich.
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How to look after yourself when trekking overseas
When it comes to an adventurous holiday, there are many preparations that need to be made before you can set off.
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Mortgage rates in Bellows Falls, Vermont
Locate the best opportunity when searching for mortgage rates in Bellows Falls, VT, by using our site. Mortgage rates can change throughout the day and week, but our easy rates search function allows to you to check local mortgage rates in Bellows Falls and throughout the Vermont area. If you are looking to purchase a new home
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Sunday, 19 August 2012
Auto loan rates in Biloxi, Mississippi
Average car loan rates are low. In fact, the average 48-month new-car loan is currently at 4.33 percent. And several lenders are offering even lower rates, making it a good time to finance. You can use our rates survey to find the lowest auto loan rates in Biloxi, MS.
There are more hybrids and electrics on
There are more hybrids and electrics on
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Hostels are well-suited to young world travellers
Holidaymakers in search of somewhere affordable to stay on their travels should consider finding a hostel at their destination of choice.
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Saturday, 18 August 2012
Which professions make the worst drivers?
Did you know motorists with certain jobs and first names are more likely to be caught speeding? We reveal Britain’s fastest drivers.
I don’t know about you, but if I met a surgeon called Rupert, I’d probably assume he was a pretty sensible chap who could be trusted to follow the rules of the road.
Likewise, I’d imagine a chartered surveyor by the name of Juliet would be a responsible motorist, but it seems I’d be wrong. In fact, these may be two of the most reckless motorists on the roads.
In order to identify Britain’s speediest drivers, women’s insurers Diamond looked at more than three million motorists to identify the first names and occupations of those most likely to have a speeding conviction.
Some of the results were pretty surprising to say the least.
The worst offenders
Surgeons are most likely to have a speeding conviction, followed by chartered surveyors, area sales managers and commercial chairpersons.
For men, those with the first names of Rupert, Julian and Piers are most likely to receive a fine. Women named Juliet, Susannah, Justine and Deidre have the worst records for this type of offence.
Britain’s speediest professions
| Rank | Occupation |
| 1 | Surgeon |
| 2 | Chartered surveyor |
| 3 | Area sales manager |
| 4 | Commercial chairman |
| 5 | Chiropractor |
| 6 | Royal Navy commissioned officer |
| 7 | Travelling sales manager |
| 8 | Royal Air Force commissioned officer |
| 9 | HM Forces commissioned officer |
| 10 | Money broker |
| Source: Diamond | |
‘It was most surprising to see surgeons and other well-qualified professions top the list of occupations most likely to have a speeding conviction,’ said Diamond managing director, Sian Lewis.
In contrast, school students, au pairs, college students, dinner ladies and driving instructors are among the least reckless motorists.
Top 10 names for speeding convictions
| Rank | Women | Men |
| 1 | Juliet | Rupert |
| 2 | Susannah | Julian |
| 3 | Justine | Piers |
| 4 | Deirdre | Giles |
| 5 | Alexis | Justin |
| 6 | Juliette | Jon |
| 7 | Phillipa | Huw |
| 8 | Miranda | Guy |
| 9 | Kaye | Grahame |
| 10 | Adrienne | Jeremy |
| Source: Diamond | ||
‘Many people would consider the names Juliet, Alexis, Rupert and Piers as traditionally middle class names so it’s interesting to see them feature highly,’ said Lewis.
According to Diamond’s data, men named Connor, Terrence and Jake are least likely to have a speeding conviction.
When it comes to the female of the species, women with the names of Paige, Molly and Shannon are most law-abiding motorists.
I wasn’t speeding I swear
Whatever their first name or occupation, it seems men are more likely than women to believe they are the victim of an unjust speeding conviction.
According to research from insurer Saga, male motorists are twice as likely as women to say their speeding fine was unfair. In fact, some 7% of men have challenged a ticket compared with 3% of women.
What does this mean for car insurance?
Luckily for all you Ruperts and Juliets, insurance companies won’t automatically assume you’re some kind of speed demon just based on your first name and then hit you with massive premiums.
However, the issue is somewhat more complicated when it comes to your profession. Statistically, insurers calculate that people who work in certain fields are more likely to be involved in an accident ­– often those who will frequently be driving at busy times of the day.
If you’re using a price comparison site, you could try a number of different options to describe your job and see how this affects the cost of your premiums.
As long as you choose a job title that reasonably fits what you actually do, this is perfectly legal.
To read more articles like this, check out The 10 most vandalised cars and Would you lie to avoid a parking fine?
**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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When is a Car Considered “Totaled”?
Recently a New Jersey father took his young son down to a local river to watch and feed the birds. As he slowed the vehicle in preparation to park it, the boy bolted from the car and headed for the river’s edge. The understandably panicked father also jumped out of the vehicle to prevent his son from falling down the embankment. While he saved his son, his vehicle went off the road, rolled down the embankment, and ended up in the water.
The story has a happy ending as far as father and son are concerned, but the vehicle is another story. Although it started right up as soon as police fished it from the water, the owner told reporters he assumed his car insurance company would total it.
His comment raises an interesting question. If the engine runs normally and there appears to be no major structural damage, why would an insurance company total it? To understand that, we must look at some other factors.
What It Means to Be “Totaled”
Before talking about the vehicle and the damage it might have sustained, it’s important to first understand what it means when a car is “totaled.” When a car insurance company uses that designation they are essentially saying the car is a total loss from a financial standpoint. In other words, regardless of whether the owner purchased the cheapest car insurance possible or a top-of-the-line policy, the insurance company has decided they will spend less money to replace it then to repair it.
In most states when a car insurance company totals a vehicle they take ownership of that vehicle once the owner accepts a claim check and cashes it. If the insurance carrier believes it can make a little money by selling the vehicle at a salvage auction they will make arrangements to come and tow it from the customer’s property. If they decide they can’t make any money they will sometimes tell the customer to dispose of it as they see fit. Either way, the car insurance company has the final say.
What May Have Happened
In the case of a New Jersey man, we don’t know exactly sort of damage was incurred by his vehicle. But there are couple of things we can speculate on. First of all, regardless of whether or not he had cheap car insurance we can say that he did have collision and comprehensive coverage; otherwise, the idea of the insurance company totaling the vehicle would be irrelevant. Knowing that, we can look at a couple of things that might have driven the repair costs too high.
If the front end of the vehicle suffered body damage when it hit the river bed, or perhaps dents and dings on its way down the hill, they could result in repair costs of up to several thousand dollars. The insurer must also consider having the engine taken apart and checked for water damage despite the fact the vehicle started right up.
Third, there’s the issue of drying out the vehicle’s interior; this might be the most costly part of the procedure. In order to prevent mold from growing the car’s interior would have to be dismantled, disinfected, and properly dried. That job would probably be worth at least several thousand dollars if the potential water damage was serious.
If you add up the costs of all three types of repair work it’s conceivable a claim could cost the car insurance company $8K-$10K. If the vehicle is more than three or four years old it could be replaced for less money.
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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.
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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