| Car Insurance - How Can You Lower Your Premiums? |
[13 Oct 2011|10:23am] |
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Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.
Consolidating policies
By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a ‘bulk buy’ discount.
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A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
Excess
By agreeing to pay a greater excess on each claim you can reduce your car insurance premiums. This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.
Your Vehicle
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The cheaper and slower your vehicle the lower your premiums are likely to be. If you are looking to buy a new vehicle make sure you fully consider the cost of insurance – you may be able to buy the car but can you afford to run it?
Mileage
You can control your insurance premiums by restricting your annual mileage. However, be aware that if you exceed the restricted number of miles you'll then become uninsured!
Parking
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Where you park your vehicle overnight is also very important to the insurers. If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.
Security
Security devices that prevent or hinder theft may also reduce your premium. Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.
No Claims Discount
Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
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By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums. Two key variables NOT within the policyholder's control.
Your Sex.
Women are statistically less likely to have an accident and, if they do, it's less likely to be serious. Because of these statistics women benefit from lower premiums. It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.
Your Age
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
One final piece of advice.
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A large percentage of car insurance is now sold on the Internet. That's because it's convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.ugg pas cher
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| Perform Your Own Automobile Maintenance |
[13 Oct 2011|10:23am] |
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Today’s cars can typically be expected to pass the 200,000 mile mark with consistent automobile maintenance. With the price of automobiles, you will want to protect that investment by performing regular maintenance. If you can do much of the work yourself, you will save a lot of money in labor. Invest in a good set of tools and choose quality parts when performing your own automobile maintenance.
If you have some skill, but want to learn more look for courses in general repairs and maintenance. These can often be found at your local community center, Community College or an automotive technical school in your area. Consider investing in a good repair manual for your car, such as a Chilton’s manual. The internet is a good place to look for articles and information. There are many sites devoted to auto repair and maintenance.nike air max pas cher
You will want to keep track of all maintenance performed on your car. You can do this in a log, a notebook or on your home computer. There is software available to help you keep track of maintenance. These programs track repairs, maintenance, replacement parts used on the vehicle and fuel consumption. You can use the same software for multiple vehicles.
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Most software allows you to create a service schedule and will remind you when it’s time to perform maintenance tasks on each vehicle in your household. The software contains a wide variety of tips for car care. In addition, many have reference and diagnostic tools to help you diagnose various problems with your cars. Many companies offer a free trial that can be downloaded on the internet. This allows you to try out the program before investing your money.
Your owner’s manual will give you some basic information about when certain maintenance tasks should be done. Most tasks will be listed according to the mileage on the car.
3000 Mile Maintenance
Change the oil in your engine every 3000 miles. The filter should be changed at the same time. Newer synthetic oils are said to last longer without breaking down. When you change the oil, check the fluids, the air filter, tires, hoses and belts. At this time check the battery cables and terminals for corrosion. This can be removed with a wire brush or sandpaper.
5000-10,000 Miles:
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Have your tires rotated and balanced every five to ten thousand miles. This helps the tires wear evenly and extends the life. The best tires should be put in the front of the car. Check the tire pressure regularly and check the tread for signs of uneven wear or damage.
15,000 Miles:
Change the air filter every 15,000 miles. A clean air filter improves the fuel economy of your car. A dirty air filter can cause the engine to run rough and stall. At this time you should also check the pads and shoes on your brake system. Check the brake fluid and top it of, as needed. The fluid should be clear. If you notice noise when the brakes are applied or the steering wheel shakes or vibrates, this can be an indication that the brakes need replacing. In this case, don’t wait check the brakes and replace as needed.
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Check the fluid level on your transmission. The owner’s manual will have information about the kind of fluid that should be used in your car. The manual should have directions on how to drain and replace the fluid. The pan gasket should be changed when the fluid is drained. Also at this time, give the car a tune up. Replace all spark plugs and wires.
50,000 Miles:
Change the coolant at 50,000 miles. See the owner’s manual for directions on how to perform this task.
Remember to take care of your car’s finish. You want the paint to remain in good condition for as long as possible. Wash the car regularly, even in the winter when salt from the roads can ruin the finish. Apply wax to protect the paint from the sun, salt and weather conditions. Don’t neglect the headlights, which can become cloudy and won’t operate as well. New Lite Headlight Cleaner and Restorer will return cloudy headlights to like new condition. Learn more about this product atpas cher air max
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| Refinancing student loans - A good idea? |
[13 Oct 2011|11:36am] |
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cherStudent loan refinancing, otherwise known as student debt
consolidation, is a system whereby a new loan can be taken out to
pay for a collection of old ones.
For example, if you've got a mortgage loan, an auto loan (or car
loan) and a personal loan (like a loan for a private holiday) you
could go to one of these businesses that consolidate consumer
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They would take all your loans, including your home loan, and
refinance them by paying them all off and giving you just one loan
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Really good businesses can actually save you thousands of dollars.
So instead of spending 30 years paying off 4 amounts that you've
borrowed, you only need to pay off one, plus interest of course.
And instead of 30 years it may only take 15 or 20.
Be very wary of some companies though. It may look like an easy
way out but if the interest is flexible it could mean that, if you
miss one payment, your interest rate suddenly doubles or trebles.
Always read the fine print.
"Hmm, but if, after refinancing my loan, I can pay everything off
within only 15 years, that means I could get another loan to go on
holiday. Great!" Noooo!!!!
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If you're a teacher, these articles can be used to help you create
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If you're a student, any reading is good English practice for you.
Read an article on a topic you like then research any vocabulary
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| Debt Relief From Debt Consolidation |
[13 Oct 2011|11:36am] |
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If you are up to your neck in debt, there may seem like there is
no relief in sight. In fact this is not necessarily the truth.
There are ways to take all of your stifling bills and roll them up
into one neat package by using debt consolidation in two very
popular forms Home Equity Loans, Refinancing Loans, and a
Consolidation Credit Card. All of these instruments provide the
debtor with one thing “relief” from the current debt by
shrinking it down to a single manageable debt.
Using home equity to consolidate debts
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One of the popular methods of debt consolidation today is the Home
Equity Loan. What happens is that the debt is extinguished using
the equity from a homeowner’s home. A loan is created outside of
the mortgage in order to satisfy the debts. Should the homeowner
default on the loan, their house is in jeopardy of being
foreclosed upon if that loan is not satisfied with a specified
amount of time.
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Refinancing loans
People often consume the debt by rolling it into a new mortgage.
This way the house costs more money to the borrower, but the debt
is extinguished at close and the debt is neatly rolled away into
the mortgage securely. Upon settlement of the loan, the debts are
paid in full and satisfied. The clock on the mortgage is reset to
day one.
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Credit card consolidation
A low interest credit card is offered to the borrower to include
any outstanding credit and loan balances. The interest rate is a
low fixed rate for a period of up to one year, upon the year’s
end it will resume at its normal rate. Upon acceptance and terms
the account should be closed once paid in full and payments be
made directly to the new credit card provider. Some people have
been able to master paying off one credit card with another to
keep the debt revolving and interest rates low. Some people fail
to close out the previous creditors account and run them back up
again as well.
All three of these options provide solid relief for the debt and
help them reconstruct and manage their debt better.
By Jakob Jelling
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