The best and worst PIN numbers

Do you have one of the most predictable PIN numbers in the world? If so, your cash could be at risk.

I’m going to try to guess your PIN number… is it 1234? According to new research, there is a pretty good chance I’m right. If I were a criminal who had stolen your card, I could be emptying your account right now.

Shockingly, research by technology consultancy Data Genetics has found that almost 11% of the population chooses this number – with 1111 and 0000 being the second and third most popular options.

Not surprisingly, fraudsters have a pretty easy time cracking such predictable codes and the data reveals that it is possible to guess 10% of PINs in just one attempt.

In contrast, the random (and far less memorable) collection of numbers 8068 is the least common PIN – though there’s a pretty good chance that will change now this research has been published.

In order to conduct the research, Data Genetics looked at the details of 3.4 million four-digit passwords that have been leaked via security breaches.

Although these codes are computer passwords, the study assumes that most people will use a similar set of numbers for their PINs.

Here are the 10 most common choices according to the data:

1. 1234

2. 1111

3. 0000

4. 1212

5. 7777

6. 1004

7. 2000

8. 4444

9. 2222

10. 6969

Source: Data Genetics

The least common PINs

Of course, not every PIN is so easy to guess. If there is no obvious pattern, it stands to reason that it will be more difficult to guess.

Here are the 10 least common:

1. 8068

2. 8093

3. 9629

4. 6835

5. 7637

6. 0738

7. 8398

8. 6793

9. 9480

10. 8957

Source: Data Genetics

How we choose our PIN

Many people appear to opt for significant dates such as birthdays and anniversaries as codes beginning with the numbers 19 feature highly in the list.

Fans of George Orwell don’t appear overly concerned that Big Brother will guess their PIN – 1984 is the 26^th most common choice. Likewise, fans of James Bond could possibly be using their PIN as a way to pay homage to their hero as 0007 is the 23^rd most popular choice.

Keeping your PIN safe

Fortunately there are a number of things you can do to keep your PIN safe.

Avoid the obvious:

As well as the codes mentioned on the list above, stay clear of having your date of birth, your children’s birthdays or a wedding anniversary.

In fact, try to keep it random – even the most scatterbrained individual can probably remember four numbers.

Keep it secret

Although you might be tempted to share your PIN with friends or family, this could leave you thousands of pounds out of pocket. If you were the victim of fraud and your bank discovered you had shared your PIN details, it might refuse to refund your money.

Take care at the cash machine

In order to steal PIN details, fraudsters place hidden devices and cameras in ATMs. Although these can be almost impossible to detect, it’s wise to avoid any cash point that appears to have been damaged or vandalised.

Remember, a bank will never ask for details of your PIN number over the phone. If someone calls claiming to be from your bank and asks for this information, you’re probably speaking to a fraudster.

For more articles like this, check out How you’re putting your cash at risk and Is your bank password a hacker’s dream?

**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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Consumerwatchdog, the Libya Tragedy and a Californian Auto Insurance Campaign CarInsuranceCalculator.info Wraps Up: What Consumers Need to Know About Prop 33

New York (PRWEB) October 29, 2012

On September the 13th 2012 a spokesperson of Consumerwatchdog, a Californian consumer advocacy group commented on heavy comparisons used in their struggle against the overhaul of a Californian auto insurance law. More precisely, Jamie Court drew the conclusion that the ad campaign http://www.consumerwatchdog.org/story/consumer-watchdog-slams-calif-prop-33-campaign-over-libya-tragedy [supporting __title__ ] the new draft of the law would be spitting in the eyes of foreign service officers and other heroes following with the Libya tragedy (used by proponents in this very ad campaign) as explicit example of how the law could disadvantage military staff (cf. sources above). Proponents of the law of course stress that Prop 33 enjoys the support of the military from day one. Since then, the campaign on both sides has been continued in heated discussions across national media.

Giving examples is always a good method of explaining the impact of a law...

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Disadvantages To A Fantastic Van Insurance Deal

Purchasing van insurance policy coverage need to be a very simple adventure. You dig up the suitable quote, receive an excellent value and get your van covered. But then even the best duties have their own individual potential risks attached. http://www.cheapestvaninsurance.org/

Inexpensive van insurance is a major instance on this. On paper, it is a straightforward course of, however you must be cautious of likely points, reminiscent of paying beyond the odds or acquiring the improper sort of cover fully. Nevertheless to help you steer clear of this kind of possible hindrances, here is an a guide to five of the most typical errors that folks carry out when buying or restarting their vehicle insurance policy.

1. Providing Incorrect Details.

Vans are generally designed as flexible vehicles. Therefore the insurance coverage which insures them has got to provide account considering all of these potential applications. This can give a certain difficulty to the appliance process and should even lead to needless errors being created within the info an individual present.

For example, when you fail to call a daily car driver of your car or even declare that it’s used for one purpose while it’s actually used for an additional, this will trigger important matters. Bearing in mind that insurance is a authorized obligation, in case your policy is undoubtedly invalidated by means of any inaccuracies, you may face larger problems as compared to simply finding it a little bit tough to get a profitable compensation claim.

2. Not Checking Your current Cover Earlier Before Renewing It.

A year generally is a very very long time in the lifetime of a vehicle including a corporation. A lot of issues can change during this era, some of which can must be reflected with your insurance packages. Lack of ability to correctly amend your particulars might lead to lots of the problems shown in the earlier part. Whilst a cheap offer could also be what you are after, in the end you need to have vehicle insurance that can actually provide you with the policy you need.

Subsequently be sure to spend time to evaluate your current renewal application consider it as a possibility to produce any kind of obligatory changes even whether it is just a insignificant adjustment in your expected twelve-monthly mileage or perhaps including a new individual. Use your current policy as a marker and then prepare changes to match. Modifying the application through the duration of your policy can end up costing you a normal charge each time, therefore it is price executing it any time you’ve gotten the opportunity.

3. Not Bothered To Take A Look At the Quotations From Other Insurers.

While you may be joyful together with your present insurance provider and also have received a good offer on your new policy, that do not even imply that it will possibly not necessarily end up being enhanced for some other place. Get on-line and observe. Apply your own similar details along with a wide range of van insurers and see just what is obtainable for your needs and figure out the place financial savings will be generated without having to eliminate your primary level of policy.
It is actually easy to carry out, and thanks to the actual Internet, it is amazingly accessible and also fast also. Subsequently there should be absolutely no excuse for shelling out extra for the same policy by ignorance.

4. Assuming They Are Of Similar Premiums Along With Other Insurance Companies.

Presently there usually are obvious similarities among the two types of cover; nonetheless, you’ll find also the same amount of differences that will distinguish them apart. If you usually are not necessarily cautious you could miss essential data (again, as detailed in the first section) or perhaps go away your self seriously less than covered. Perceive your main vehicle, precisely what it is utilized for, where it is kept and who will be utilizing it. Solely by getting all of this correct would you have a coverage that basically gives the cover required.

5. Buying Excess Amounts Or Too Few Suggested Add On.

If you happen to be panicking that you hadn’t applied the correct details and also exaggerated the level of cover that you simply required, you’re way more likely to fork out greater than will be strictly obligatory on your insurance cover. Should you hadn’t applied beforehand, seek the advice of any person who may have to get recommendation or even talk to the insurance organization to be able to show you through the correct process. A telephone call is commonly a great way to question unfamiliar things while an individual go alongside, as long as you have all the information handy certainly.

So if you are really serious on the subject of owning the perfect possible cheap van insurance offer you should completely stay clear of these kind of hindrances. Simply because these actions are proven to avoid you beyond your wanted goal- safeguarding money on your van insurance quote. Furthermore there are a few other efficient opportunities to follow when you are hunting for tactics to shell out a lesser van insurance cost- 1 month van insurance, less costly van insurance quotes as well as cheapest car insurance quotes coupled with alternative van insurance comparison approaches.

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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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U.S. Government Begins Safety Study of Self-Driving Cars

A self-driving Ford Focus spotted in Mountain View, Calif., is one of Google’s employee cars currently in testing. (Photo credit: Flickr: Mark Doliner)

Thanks to the folks at Google, self-driving cars are the next technology that will change the world. The average driver may not be ready to turn the wheel over to a robot car, but the U.S. government and many car companies are taking this technology very seriously.

David Strickland, the head of the National Highway Traffic Safety Administration, believes that, although these cars may not be commonplace on the road for another decade, they would eliminate a huge factor responsible for 90% of traffic deaths — human error.

“We have the chance of saving thousands and thousands of lives as cars in use today are replaced with automated vehicles,” Strickland said.

With NHTSA in the national seat for creating automotive safety standards, the question is, are they ready to re-write the book of the rules of the road to include completely autonomous cars? Strickland would not say while speaking on the topic at a recent industry gathering in Washington.

“Setting such standards would require the government to fundamentally rethink the way it evaluates auto safety,” he said.

This is only a test

What that would involve is testing several cars that can each communicate with each other — which is just what the government is doing in a massive, year-long road test that started this summer in Ann Arbor, Mich.

The road test, conducted by the University of Michigan’s Transportation Research Institute, uses 3,000 cars, trucks, and buses set up with V2V (vehicle-to-vehicle) technology. These vehicles were donated by many of the car companies developing this future technology and include Ford and GM.

A goal of the testing is for regulators to be directly involved in setting industry standards to make sure that each type of technology can communicate with another in an open system.

The companies known to be already testing robotic cars include GM, Ford, Mercedes-Benz, Volkswagen, Audi, BMW, Volvo, and Cadillac. But the technology that started this craze began in 2005, when a professor named Sebastian Thrun and his Stanford team won a contest called the 2005 DARPA Grand Challenge. The vehicle they created successfully traveled 132 miles across the desert.

Since then, Thrun has headed up a three-year partnership with Google Maps and has driven more than 300,000 miles in its many autonomous vehicles. Google has also been a driver of the government’s involvement and its lobbyists have convinced Florida, Nevada, and California to make self-driving cars legal for testing. Next in line are Hawaii, New Jersey, Oklahoma, and Washington, D.C.

Critics have valid points

But as the wonders of the technology are being lauded, others are concerned about the implications of this brave new world. The legal implications of accidents, liability, and integrating self- and non-self drivers on the road, have some legislators worried. Some traffic laws for motor vehicles have been on the books for 100 years, meaning new laws would have to be created from the ground up.

Other naysayers include consumer groups who fear that companies like Google and major auto manufacturers will use data they collect via GPS, radar, and computer vision techniques for marketing purposes.

The biggest hurdle will, of course, be consumer willingness to turn over the wheel to a computer-based system. With technology advancing as fast as the speed of light, we may be ready in another 10 years. One thing is certain — our government has taken the stance of encouraging this behavior to further the cause of safety. So in reality, the road from horseless carriages to driverless vehicles may be much closer than we think.

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Britain's FTSE ends in red after turbulent session

Britain's top shares fell onFriday, as worry over the United States's looming "fiscal cliff"overshadowed robust U.S. consumer sentiment data. The FTSE 100 closed down 6.37 points, or 0.1 percentat ...

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CARE CRISIS COULD BE BIGGER THAN PENSIONS CRISIS EVER WAS

Dr Ros Altmann, Director General of Saga welcomes the Local Government Association’s report that continues to highlight the crisis in care that is being faced by millions.

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Mortgage rates in Cary, North Carolina

Shopping for a low mortgage rate in Cary, NC? Go to our site to find all the rates and calculators you will need whether you are purchasing a new home or looking to refinance. We provide the ability to check local mortgage rates in Cary with our easy rates search function. It offers real-time, accurate data on

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Fuel sales fall

Official figures from the Department of Energy and Climate Change (DECC) have shown petrol sales have fallen for this year.

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Ford Fusion Wins Top Safety Pick in IIHS Crash Test

(Photo credit: Ford Motor Company)

A completely redesigned 2013 Ford Fusion has been picking up all sorts of kudos among the automotive press since it arrived on the scene in the last few months. New from the ground up, the Fusion is considered Ford’s most significant midsize car since the Taurus in the early ’90s.

This makes its recent achievement as a Top Safety Pick by the Insurance Institute for Highway Safety (IIHS) even more significant. Ford has suffered in quality ratings due to its high-tech MyFordTouch infotainment system, which uses voice and touch commands to interact with many different Internet-based apps, but the distraction its systems may cause was not a part of the IIHS testing.

IIHS crash testing mainly rates vehicles good, acceptable, marginal, or poor based on performance in high-speed front and side crash tests. It also conducts a rollover test, plus evaluations of seat/head restraints for protection against neck injuries in rear impacts, which is a common accident.

Belt and Bag Technology

Ford points to its many new safety technologies as the reason for the win. Its new safety belt and frontal impact airbags have futuristic computerized brains to know how to assess a crash situation and act accordingly. From a central “chip,” something called the restraint control module (RCM) can translate information from the front crash sensors, front safety belt buckle switches, driver-seat track position, and passenger seat weight sensor. With all this information, the RCM activates the safety belt pretensioners and determines how the dual-stage front airbags will deploy. All this technology results in adapting the airbag release to the size of the person.

Airbags have become increasingly complicated in the competitive landscape of safety technology. The strategy Ford is employing seems to create the right airbag to go off for the right-sized person. If the occupant is large, the side airbag lines up with the shoulder, keeping the side airbag solidly inflated. On smaller passengers, the side airbag vents, keeping the firm part of the bag at shoulder height for smaller people.

Filling in Blind Spots

Other safety features on the all-new Fusion include blind spot information system with a cross-traffic alert for making maneuvering in parking lots and traveling open roadways safer. The Fusion has something called BLIS (Blind Spot Information System) to sound an alert when the car is detected entering a blind spot. Cross-traffic alert warns if traffic is detected approaching from the sides, such as when you are leaving a parking space in reverse.

Competition is Steep

Ford needed to score this safety test to continue playing in the big game of finding enthusiastic buyers for its mid-size, moderately-priced cars. Most of the biggest contenders in this market have won the same honor. Toyota Camry, Honda Accord, Chevrolet Malibu, Hyundai Sonata, Kia Optima and Volkswagen Passat have each won the honor for their latest model year, making crash test scores simply a cost of entry for the segment.

Also, coming in at pricing that undercuts some of the most popular sedans is a smart strategy for Ford. A base Fusion with an Appearance Package lists for $25,745 — which is thousands less than a comparable VW Passat.

No doubt Ford is glad to accomplish this safety testing for the Fusion. Still to come are the government tests conducted by the NHTSA, which determine other types of safety. A car that achieves high scores on both these tests is usually in pretty good shape from a safety aspect.

Steve Kenner, Ford’s global safety chief, said that Ford’s safety technology efforts have paid off so far.

“The new Fusion is another example of Ford’s commitment to the highest standards of safety and we are proud that IIHS has recognized these efforts,” Kenner said.

 

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SAGA WARMLY WELCOMES LOWEST ENERGY TARIFF MOVE

Dr Ros Altmann, Director-General at Saga:

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Learning About Vehicle Insurance Suitable for Young Vehicle oper

Auto insurance policy here in the UK

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

Why must you have a motor insurance cover policy?

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

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

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

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

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

1, You may incur endorsements on your licence which may hinder your ability to secure a job that involves driving or even risk losing your licence all together.

2, It's common for persistent offenders to get couple of months or even several years ban for not having an insurance policy on the car they drive.

3, Offenders do get minimal or massive fines which will depend on how severe the offense might be- some offence may carry up to a maximum fine of £3000 if it endangers life or property. 

4, There have been known cases of prolific offenders doing time for the amount of damage they've caused as a result of not having a policy.

Things to consider before taking out a policy

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

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

Ways to lower your car insurance premium

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

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

Where to get cheaper premiums

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

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

Acknowledgement

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

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

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

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Volvo V40 falls short in Which? economy tests

Eco version of Volvo's all -new V40 hatchback falls 20mpg short of official fuel efficiency claims.

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US fiscal cliff concerns weigh on blue-chips

The FTSE 100 has ended the week on a negative note.

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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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Why I'll never get travel insurance

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What’s your retirement risk?

A report points out that from 2007 to 2010, retirement risk jumped 9 percentage points.

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Mortgage rates in Casper, Wyoming

 Shopping for the lowest mortgage rates in Casper, WY, can be exhausting. Check out our site where you will find all the latest news on mortgage rates. Whether you are purchasing a new home or refinancing, we provide the ability to check local mortgage rates in Casper with our easy rates search function. It offers real-time,

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3 Smart Motorists Tricks For Paying Cheaper Premiums Every Year

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

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Fuel sales fall

Official figures from the Department of Energy and Climate Change (DECC) have shown petrol sales have fallen for this year.

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FTSE 250 movers: Shanks tops risers after recycling success

Leading the way higher was waste management firm Shanks after saying that the Silverburn Shopping Centre in Glasgow is no longer sending any of its waste to landfill since appointing Shanks to handle its …

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5 Driver Laws You Probably Don’t Know You’re Breaking

Many laws, especially laws related to driving and driver safety, are so broadly defined or so rarely enforced, that even the most experienced drivers may not be aware that they’re breaking them. State-to-state, the laws regarding handheld cell phone use, honking your horn, and sleeping in your car for example, are different, leaving cross-country travelers at the mercy of the highway patrol and vaguely worded laws that date back to the 1950s. With that in mind, here are five driver laws you probably don’t know you’re breaking. For more information, check out the website of the Governors Highway Safety Association.

1. Playing music too loud:

   

   We’re not sure why your neighborhood ice cream truck can get away with it, but chances are good that your city has laws that prohibit drivers from playing music at an excessive volume. Extra stereo equipment in a car such as a subwoofer can boost sound frequencies to a point where they’re audible a block or two away. If when standing outside of your car with the doors shut and windows rolled up you can still hear whatever music you’ve got cranked on the car stereo, then rest assured, it’s too friggin’ loud, and you’re risking getting a ticket.

2. Honking your horn:

   

   This is a tricky one. The laws regarding car horn use state-to-state all basically say the same thing, don’t use your car horn unless it’s necessary as a warning to insure the safe operation of your car. Which means that if, as you’re pulling out of the driveway of a friend’s house where you’ve just enjoyed a nice meal, you give them a friendly goodbye beep, technically speaking, you are breaking the law. Probably the most helpful thing to remember here is to not use your horn as a tool for expressing your anger. Which leads us to the subject of…

3. Road rage:

   

   The National Highway Traffic Safety Administration, or NHTSA, describes aggressive driving, which can include speeding, improper lane changing and passing, and failing to signal, as a traffic offense. Road rage on the other hand is a criminal offense and is defined as “an assault with a motor vehicle or other dangerous weapon by the operator or passenger(s) of another motor vehicle or an assault precipitated by an incident that occurred on a roadway.” Generally speaking, road rage cases are prosecuted as assault and battery either with or without a vehicle. However, verbal abuse is considered to be a form of road rage, so if you are prone to roll down your window and lean your head out so you can scream obscenities at another driver, don’t be surprised when you are eventually ticketed or worse by the police.

4. Sleeping in your car:

   

   Is it illegal to sleep in your car? In many states, yes, although it is usually okay for you to sleep in your car in an area designated for sleepy travelers. You definitely don’t want to park somewhere in suburbia in order to take a quick snooze. And if you’re driving cross country and need to take a nap, it’s advisable that you stop at the nearest motel or rest stop instead of pulling over to the shoulder and zonking out.

5. Cell phone and texting:

   

   Amazingly, despite the fact that cell phone use continues to cause traffic-related accidents and deaths, no state in the U.S. has banned cell phone use for all drivers, although an exception is made in many states for “novice” and school bus drivers. Handheld cell phone use is prohibited in 10 states, D.C., Guam, and the Virgin Islands. Thirty-nine states, along with D.C., Guam, and the Virgin Islands, have banned text messaging for all drivers. New laws continue to be proposed and passed as the dangers of distracted driving become more apparent, so be aware of your state’s highway laws.

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SAGA COMMENTS ON EQUITY RELEASE COUNCIL QUARTERLY FIGURES

Commenting on the quarterly sales figures released by the Equity Release Council, Roger Ramsden, Chief Executive, Saga Services said:

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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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SAGA INTRODUCES CASH BENEFIT FOR CANCER PATIENTS TO PAY FOR PARKING

• 27% of people cite parking charges as their biggest concern when being treated in an NHS hospital*
• On average cancer patients spend over £100 on parking when receiving treatment**

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Admiral shares pick up a puncture

The FTSE 100 group was the heaviest blue-chip faller today.

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SAGA COMMENTS ON EQUITABLE LIFE RALLY

Dr Ros Altmann, Director-General of Saga, comments on today's Equitable Life rally:

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Turn your hobby into a second income

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

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

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

1. Web design

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

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

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

2. Become a mystery shopper

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

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

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

3. Car booting

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

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

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

4. DIY

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

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

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

5. Arts and crafts

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

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

6. Going to the pub

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

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

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

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

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

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

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Admiral shares pick up a puncture

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How To Get The Best And Affordable Van Insurance Cover For You A

Investing in vans or similar vehicles has resulted in many businesses doubling or even tripling their profits because of the role these vehicles play. No matter the type of vans employed in the running of a business, the law requires that every vehicle must be covered with an up to date insurance policy before being driven on the roads or used for any business activity.

Getting the right insurance coverage for a van can become extremely expensive for businesses, especially those requiring fleet insurance for their numerous vans. So what are the most effective ways for lowering van insurance costs?

Whether renewing your current policy or buying a new policy, one of the most efficient ways for lowering your premium is to take the time out to compare different quotes from insurers. In this day and age, the way we search for information has been greatly influenced by the advent of the internet, and so provide the best place to begin your search for the least expensive van insurance quotes.

Take Time Out To Begin Your Research Online

The days of painstakingly calling and dealing with several insurers at a time to compare quotes are now over. Comparing quotes one by one is a boring and tedious way of getting cheap quotes, but with the use of comparison websites, you can get dozens of quotes within minutes thereby saving you time, energy and money . You would be able to gain access to numerous quotes from different insurers once you complete the form.

However though, not all quotes will be suitable for your needs, you will discover that some insurers will be in a much better position to provide you with a decent level of cover at a low cost rate . Before you completely commit to the insurance quote, it’s always advisable to call the insurer and discuss the terms of the policy and to see if you can even get a reduced rate for the policy.

http://www.cheapestvaninsurance.org/

While the net is one of the best places to commence your search, calling the quote provider to lower the quote even further is an ideal strategy to getting the cheapest premium possible. It’s a great way to discover exactly what’s contained within the policy cover you’re buying and, most importantly, what they do not include. After giving the insurance company any new information regarding your policy, they should now be in a much better state to give you their final quote.

Discuss Your Policy In Detail By Phoning The Insurer

Van insurance being a specialist type of insurance cover can be rare in comparison to all other known insurance. Not every insurance company would offer cheap policies, in particular competitive premiums. Often times, motorists prefer to go with the easy option by dealing with previous insurers they used in the past instead of trying new insurance companies. Nonetheless, if you’re serious about obtaining cheaper premiums you might just want to go deeper.

Being satisfied with your current insurer doesn’t mean you cannot go out there looking for better bargain premiums, there’s a lot to be gained by shopping around and comparing quotes. Not a lot of motorists understands that finding cheap quotes can be inexplicably very easy, what ever type of approach you adopt in finding bargain insurance quotes, your desired outcome is within your grasp.

Getting a cheaper quotation from an insurer, you can persuade other insurance companies you approach to beat that particular quote thereby making your premium even cheaper on the long run. Insurance companies are in no obligation to change the quote they’ve given you, when approached most will categorically decline your request, but it’s just a good way of establishing a medium of communication between you and the prospective insurer.

Proposed Changes To Your Coverage

Bare in mind that your utmost goal is to lower your premium quiet considerably, so you should decide what part of your policy is needed and what’s not, in order to maintain a balance between reasonable premium and adequate cover. Some policies might include other products you really do not need, for instance, step up cover, protected no claims bonus (PNCB), personal injury cover, third party injury cover, European cover, legal expenses cover and so on. There is no need allowing them in your policy when you do not need them.

Obtaining a cheap van insurance premium entails taking out any unwanted extras withing the policy so you can pay for what you require only- thereby saving you money. Don’t go increasing your level of excess by an insane amount, just make sure you aren’t paying for unwanted add- on. Getting rid of all the unwanted optional extras from your policy will help you save loads.

In a nutshell, you cannot discover cheap van insurance quotes or premiums if you do not take out time to commit towards finding it. Irrespective of you conducting researches that involves you calling your prospective insurer or getting quotes from numerous insurers, there are many different choices you could make to get you the right outcome.

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

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It's always a good idea to check your

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Van operator licensing legislation passed in Northern Ireland

The Goods Vehicles Licensing of Operators Transport Bill submitted by Environment minister Alex Attwood has been passed by the Northern Ireland Assembly. This legislation is something which the Freight Transport Association has campaigned for, for many years.

Put into action, this system will extend Operator Licensing to all operators of commercial vehicles exceeding 3.5 tonnes. It is designed to improve road safety and environmental standards, whilst helping to nurture fairer competition through tackling organised crime. Legislation of a similar nature has been enforced for many years throughout England, Scotland and Wales. Therefore, this decision will bring Northern Ireland in line with the rest of the UK.

Tom Wilson, head of FTA policy, Northern Ireland: “The final hurdle has been cleared and the much needed legislation has now been approved…We acknowledge the Minister’s support and commitment to making this important piece of road safety legislation a reality.”

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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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What Do You Mean My Cut-Rate Car Insurance Doesn’t Cover That?

While getting a great price on car insurance is always a bonus, be sure to read all of the fine print. Like many things in life, if a deal seems too good to be true, it probably is. When dealing with car insurance you want to make sure that you have the proper coverage and cut-rate policies will often contain surprises that you might not be aware of until you need to make a claim. While getting in an accident is never fun, adding the stress of a less than stellar insurance policy can make it even worse.

Experts advise that when comparing insurance policies shopping by price alone is a mistake. Finding a policy that offers the protection you need combined with great customer service is the best way to go.

Following are a few pitfalls that are common in low priced insurance policies:

1. Low Coverage – The best way to lower policy prices is to lower the coverage. Many cut-rate policies will only offer coverage limits that are mandated by the state the policy is being written in.  States only require liability coverage and the limits are quite low. If you are at fault in a serious accident the policy limits will not cover the expenses, meaning you will be on the hook for the excess.

If your cut-rate policy only offers liability coverage, there is no protection for your car. Collision and comprehensive cover the costs to repair your car in the event of an accident, or damage caused by fire, flood, vandalism or theft. Without this coverage you will be paying for the repairs.

2. High Deductibles – Cut-rate policies often have high deductibles which can be a great way to save money, until you need to make a claim. If you are carrying a $1000 deductible be sure that you have the money put aside, you never know when an accident will happen. A high deductible can quickly get expensive if you have more than one accident in a year.

3. Limited Coverage for Repairs – If your cut-rate policy does offer collision and comprehensive there is a good chance there will be limitations. Non-standard policies often factor in depreciation, even for repairs. As an example, if a car were hail damaged, instead of covering the full amount to repair the vehicle the policy would only pay a percentage based on the depreciated value of the car.

4. Poor Customer Service – A cheap policy is no longer cheap if you cannot get the help you need when an accident happens. Slow response times, adjusters that take forever to look at your vehicle and cheaply done repairs are just a few things you may be in store for with cheap policies. Ask friends and family for recommendations when shopping for a new policy, specifically ask them if they have made a claim and how they were treated.

5. Friends Not Covered – Cheap car insurance will often exclude friends and even family members who are not listed on the policy. This can be a problem if you let friends borrow your car on a regular basis. Some of these policies will extend coverage but will drop it down to state minimums when a non-listed driver is behind the wheel, drastically reducing your protection. Since it is your car you will be on the hook if your friend gets in an accident.

Saving money on car insurance is always a good idea but be sure you know what you are getting into when it comes to cut-rate insurance.

What Do You Mean My Cut-Rate Car Insurance Doesn’t Cover That? is a post from: Cheap Car Insurance News Blog

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