Which? calls for reforms to the car recalls system

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Auto loan rates in Peoria, Illinois

There are four lenders offering auto loan rates in Peoria, IL, that are lower than the national average of 48-month new-car loans. The national average is currently 4.04 percent. To find the best rates in Illinois, use our research to shop for lenders today. If you're looking to combat fuel prices, there are some new

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Know Your Rights: What to Do When You Get Pulled Over

Nine times out of 10, during a traffic stop, the police officer is taking every step possible to ensure their own safety, without violating the rights of you or anyone else in the car you’re driving. But police officers may make some requests during a stop that you can legally refuse. Knowing your rights and what you can do to facilitate the needs of a police officer without giving up those rights can help prevent a routine traffic stop from escalating into something far more confrontational. You may even be able to avoid getting a ticket.

1. Pull over, turn off the ignition, and put your hands on the steering wheel: When you see flashing red lights, signal and pull over to the right as far as possible. Turn off the ignition, and place both of your hands on the steering wheel. Right off the bat you are letting the officer know you are not a threat. Any passengers should remain still for the duration of the traffic stop.
2. Roll your window down just half way: You may want to wait until the officer arrives at the driver side window before you roll it down. Use just one hand while keeping the other on the wheel. Rolling the window down just half way allows for a respectful exchange between you and the officer but prevents the officer from sticking his or her nose inside your car.
3. Wait until the officer asks to see your documents before retrieving them: This is something you should prepare for in advance. Officers will ask to see some combination of your driver’s license, proof of insurance, and vehicle registration. Make sure all of this documentation is up to date and easily accessible.
4. Do not incriminate yourself: If the officer asks you, “Do you know why I pulled you over?” or “Did you know that you ran that stop sign back there?” all you need to say in response is, “No officer.” You do not need to confess to an officer that you were speeding or otherwise breaking a law. Do not give up your Fifth Amendment right that states no person “shall be compelled in any criminal case to be a witness against himself.”
5. Do not take anything the officer says personally: A police officer might try to upset you by implying you are engaging in some kind of illegal activity:
   “There’s a lot of gang activity in this neighborhood. Are you in a gang?”
   “What’s a pretty lady like you doing driving this late at night?”
   “Looks like you’ve been partying. Have you been drinking?

As we have already pointed out, saying “No officer,” is a respectful way to respond to questions meant to trip you up and incriminate yourself. If necessary, you can file a complaint about an officer’s conduct later, but during a traffic stop, try not to take anything the officer says personally.

• Exit the car only if asked: You are required by law to step out of your vehicle if an officer asks you to. However, you can and should shut and lock the driver door behind you. Leaving the door open can be interpreted as your consenting to a search. If the officer asks why you locked the door, simply say, “I always lock my car doors, officer.”
• Do not consent to a search: Unless there is what’s known as probable cause, an officer will need your permission to search your vehicle. Without probable cause, you do not have to consent to a search. Remain calm, and simply say, “I do not consent to any searches officer.” Refusal to consent to a search does not give an officer the legal right to detain you, and consenting to a search makes the search legal in the eyes of the law. The officer may go ahead and execute a search anyway, but your statement will help you later in court.
• Stay cool If you find yourself standing outside of your locked car with an officer yelling and threatening you, try to remember he or she is most likely trying to get you to consent to be searched, admit a crime, or make a verbal threat. Breathe, and do your best to stay calm. You are within your rights to either remain silent or…
• Ask if you are free to go: Once the officer has returned your documents and license to you, unless you are being detained or arrested, you are legally free to go. But asking if you are free to go, and then waiting for a response, assures you that the officer isn’t going to accuse you of fleeing the scene of a crime. Simply saying, “Are you detaining me officer? Or am I free to go now?” is also a good way to respond if an officer tries to bait you into saying something self-incriminating.

 

Eight points to remember if you get pulled over by the police:

• Pull over, turn off the ignition, put your hands on the steering wheel
• Roll your window down just half way
• Wait until the officer asks to see your documents before retrieving them
• Don’t take anything the officer says personally
• Exit the car only if asked
• Do not consent to a search
• Stay cool
• Ask if you are free to go

Three things you should say if you get pulled over:

• “No officer. I don’t know why you pulled me over.”
• “I do not consent to any searches.”
• “Are you detaining me officer? Or am I free to go now?”

The post Know Your Rights: What to Do When You Get Pulled Over appeared first on CarInsurance.org.

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Fed boss lays out a road map

Bernanke says asset purchases could begin to slow down. He declines to discuss his future.

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What Are Deductibles?

Perhaps you’ve heard people say that one way to reduce your car insurance premiums is to increase your deductibles. But do you know what deductibles are? If not, we’ll explain them here. Needless to say, deductibles are part of the standard auto insurance policy everyone should be familiar with. They play an important role in how much we pay for our policies as well as how much we might potentially have to pay after an accident.

In the simplest terms possible, a deductible is the amount of money the customer is required to contribute in order to pay for repairs to a damaged vehicle. Deductibles apply in the case of collision and comprehensive insurance. So if you have a $500 deductible on your auto policy and you file a $5,000 claim after an accident, your insurance company will only pay $4,500. You will be responsible for the other $500.

It’s important to note that deductibles work on a “first pay” system. In other words, the customer pays the first $500 (or whatever the deductible is) and the insurance company picks up the rest. In some cases a repair shop may require customers to pay their portion before a vehicle will be released; others allow some time for the customer to pay his bill.

Why Deductibles Are Good

Deductibles can be looked at as a good thing for a couple of reasons. The first is the fact that they encourage consumers to shop around for repair estimates before choosing a garage; much the same way they shopped around for car insurance quotes before purchasing a policy.

They aren’t shopping around for the best price, mind you; they’re shopping around for the best quality. As long as it’s going to cost them $500 out of pocket they want a garage that will do the repair the right way. Even though it might cost more the insurance company a little bit more, there’s less of a risk that the consumer will come back with another claim because the first repair wasn’t done correctly.

Deductibles are also good in the sense that they encourage drivers to be more careful behind the wheel. With a significant deductible hanging over their heads they are more likely to drive safely and avoid accidents. That’s good for the individual driver, his car insurance company, and for everyone else on the road.

Why Deductibles Are Bad

Deductibles can be looked at as a bad thing from the perspective of insurance fraud. Unfortunately, garage owners and operators have figured out they can make customers happy by inflating repair estimates to cover their deductibles. In cases where an insurance company makes payments to the customer rather than the repair shop, this type of fraud is very easy to perpetrate. In cases where the insurance company pays the repair shop, it requires a little bit more cooperation between the shop and the customer.

It must be said that the vast majority of repair shops are going to be honest when it comes to estimates and deductibles. But the consumer needs to be aware of the possibility of fraud and make sure he’s not a participant or contributor. Insurance fraud accounts for millions of dollars in car insurance company payouts every year. Drivers who participate are only raising the rates for everyone.

Now that you know a little bit about deductibles you are better prepared to compare car insurance quotes. You can get lower rates if you’re willing to accept higher deductibles in exchange. On the other hand, you might be willing to pay a little more to avoid them.

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Recycling firm fined over safety

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

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Clean Diesel Sales Continue to Climb in U.S.

According to Autoblog.com, sales of environmentally friendly diesel vehicles, or clean diesels, are up by 27.5%, compared to sales numbers at the same point last year. The article cited a recent study by HybridCars.com and the automotive research and analysis company Baum and Associates. The study revealed that Americans have purchased 61,214 clean diesel-powered vehicles during the first six months of the year. Perhaps even more surprising is the fact that this figure does not include the sale of heavy-duty diesel pickup trucks. But while the sales numbers are significant, they still do not match the number of hybrids being sold in the U.S. According to the study, hybrid sales are up by 63.5% over 2011’s numbers, and beyond the sale of green vehicles, overall automobile sales increased by 14.9% as well.

For clean diesels, 2012 year marks the second straight year where sales have increased by double-digits. According to Allen Schaeffer, the executive director of the Diesel Technol…

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OVER 50s EXPERIENCE HIGHER INFLATION THAN THE UK AS A WHOLE

- Gas price inflation up from 7.6% in March to 8.3% in April

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Celebrity house for sale: Jessica Simpson

We're sure this house has plenty of closet space for the next "Fashion Star" who owns it.

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Cheap Car Insurance for College Students

If you have a college student heading off to school this fall, the last thing you need to worry about is making sure he or she has cheap car insurance. With all the expenses involved in sending a child to school it’s helpful to pay as little as possible. Thankfully, cheap car insurance is available.

The law in most states is very friendly to college students as it relates to car insurance. We’ll get to that in just a minute. For now it’s important to know that you and your students don’t have to simply settle for whatever your current car insurance company offers you. You can look around and compare offers from competing companies.

Keeping a Student on Your Policy

The best way to ensure the most affordable price for your student is to keep him or her on your policy for as long as possible. In most states, that means age 26. As long as your child is attending college or university during those years, he or she can be included on your policy under the student classification. Check with your insurance company to verify any upward age limits.

Also, consider there might be some residency restrictions. For example, if your child is attending school out of state he or she can remain on your policy as long as they do not continue to reside in that state while school is not in session. If they stay away from home year-round, they may be considered an independent adult requiring their own car insurance policy.

The Car Your Student Drives

The next thing to consider is the car your student drives. Car insurance companies base premiums, in part, on the make, model, and age of a car. They do so for two reasons:

• liability insurance – larger, heavier vehicles are more likely to do more damage in an accident
• comprehension/collision insurance – newer and more expensive vehicles cost more to repair or replace

If you want the cheapest car insurance possible for your college student, encourage him or her to buy a car that is older, does not require a blank loan, and is classified as a compact or subcompact. This will allow you to get the cheapest liability and comprehensive/collision rates.

If your student will be living at home and driving one of your vehicles, make sure your insurance company assigns them to the oldest and least valuable car. That’s not to say they cannot drive your new vehicle from time to time; rather, it is to say the older vehicle will be their primary mode of transportation.

Student Driver Discounts

An important part of cheap car insurance for college students are the discounts some insurance companies offer. One of the more popular of those discounts is one given for good grades. As the thinking goes, a student with good grades is less likely to be careless, will have less time for leisure activities, and will take their responsibilities behind the wheel more seriously.

If your student is eligible for the good grades discount, he or she will have to provide the insurance company with the proper records to demonstrate those grades. Those records can be obtained from the college or university they are attending.

Shop, Compare, Buy

When you are ready to start looking for a policy, we recommend you shop online. Using a website like ours is the quickest and easiest way to get multiple quotes. And with quotes in hand all that’s left to do is compare and buy. It’s just that simple.

For the cheapest insurance possible, remember to compare quotes at least once per year. Otherwise, you’ll never know if you are paying too much.

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End coming for Bernanke at the Fed?

The president gives a strong signal that change may be coming at the top of the Federal Reserve.

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Take out a short-term loan from your IRA

You can lend yourself money from your retirement account, but there are limits.

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Maniobras sincronizadas con autos – mad drivers

Maniobras sincronizadas con autos – mad drivers.
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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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Historic bell stolen from arts site

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

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Which? calls for reforms to the car recalls system

Which? Car investigates why Britain's toothless car recall system is failing consumers

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High price of smoking, drinking and other vices

Some habits cost big bucks. If you invest the money instead, you'll be much better off.

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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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Online Auto Insurance: Revisit Coverage as Storms Hit U.S.

Online Auto Insurance: Revisit Coverage as Storms Hit U.S.
As reports pour in about a Texas hailstorm damaging tens of thousands of cars and Missouri residents flee a flooded Mississippi River, OnlineAutoInsurance.com (OAI) recommends drivers unaffected by the events this time around revisit their auto …
Read more on PR Web (press release)

FSCO issues warning of auto insurance scam, fake broker ads on Craigslist
The Financial Services Commission of Ontario (FSCO) is warning consumers that CC&B Group Inc. and Serafattin Solak are not licensed to do insurance business in the province and are connected to a fake auto insurance scam. Scam. Solak (also goes by …
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Money market account and rates in Livonia, Michigan

It's rough out there for savers. But despite low rates, there are still some better-than-average deals out there. For instance, one bank in our survey has recently been offering 0.84 percent on a money market account. You can shop for a money market account and rates in Livonia, MI, by using our research. MMAs offer

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Tips On How To Limit The Losses On Your Van With A Van Insurance Cover

The main essence of a vehicle insurance policies are to protect against any kind of unforeseen disasters or incidents such as theft, accidents or fire. As a result, if perhaps your motor vehicle gets involved in an accident and gets damaged, your van policy protects it and it’s going to be repaired back to it’s original state. Realistically, car insurance policy is a massive relief for both vans and other automobile owners. Some individuals have this perception that van insurance is pretty expensive and therefore get frightened insuring their vehicles therefore breaking the law. Presently, getting cheap van insurance deal can be extremely very easy if you follow a few guidelines. – http://www.cheapestvaninsurance.org/

A few of the criteria needed for securing a cheap van insurance are: ensuring that you have not claimed from your previous policy for up to 5 years or more; making sure that your van is always packed in a secured garage at night. It is a common belief that only commercial vans needs to be insured but this is not the case rather non-commercial van insurance is important for everyone who drives a van whether for commercial purpose or non commercial purpose.

Extra insurance coverage could be needed for those that use their vans consistently on a daily basis. For individuals and small corporations, vehicles are one of the easiest choice for the moving of products as well as services. Vans have become very depended upon by people and corporations nowadays. In the event that these vans get damaged, then it adversely affects the whole business entirely as movement of goods and services are restricted. In such an ideal situation, that’s where van insurance policy comes in, they would reimburse expenses and losses derived as a result of the damages in addition to getting the vehicle back on the road.

So that the policy holder can be rest assured of not suffering further financial consequences. Before obtaining your van insurance quotes online, always ensure you determine the appropriate cover that meets your requirements and suitability. Whether comprehensive, third party fire and theft or just third party only, paying for a cover you don’t really need would end up costing you more money. Basically, if your premium is less than 10 times your six months comprehensive insurance then you might not need to take out the policy because your van might not be worth taking out the comprehensive cover on.

Some individuals feel they can select a different cover in order to have a cheaper premium but use their vans for a purpose contrary to the purpose they have stated with their insurers, These is very unwise as such acts can invalidate one’s policy. Van insurance brings with it considerable amount of benefits and rest of mind as well against any future eventualities. To help business owners and sole proprietors carry on with their businesses when their vehicle is off road due to an accident, most insurance companies always provide courtesy vehicles for their policy holders.

Business owners most especially benefit from this huge benefit especially those that cannot do without their vans on a daily basis. The insurance of vans includes two major covers that includes comprehensive cover and third party fire and theft. Collision or third party fire and theft entails cover for third party vehicles that are involved with yours in an accident and also covers your vehicles against fire and theft. This coverage is offered mainly for collision with other third party vehicles in an event of any collision whatsoever.

However, in the event of any natural disasters like flood, hail, thunder storms earth quakes and so on then comprehensive cover is the most ideal policy to undertake for your vehicle. A lot of superb advice exists that can help lower the amount of insurance premium billed by insurance firms.

Below are a number of ways to obtain a cheap van insurance-

(I) if you are a good driver, then you can increase your deductible amount and also avoiding any claims in order to lower down your premium.

(II) Installing car alarms and immobilisers do prevent car theft and burglary to a certain extent that the insurance companies are willing to credit you for installing them on your vehicle. Security systems are very effective for deterring break ins and theft and insurance companies give discounts by reducing premiums on vehicles that have installed security systems.

(III) Another great way of acquiring cheap van insurance is by just doing your research other van insurance websites to obtain the cheapest quotes for your needs. Comparing various insurance quotes would help you unveil numerous quotes you never knew existed before.

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Video: Unexpected ways to save for college

Need help paying for college? Try these savvy, nontraditional ways to save money.

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Start blogging by creating a new post. You can edit or delete me by clicking under the comments. You can also customize your sidebar by dragging in elements from the top bar.

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Happy days again for builders

The latest monthly survey shows builder confidence is soaring.

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Direction For Finding Lowered Van Insurance Rates Nationwide

Van insurance policies comes with different types of insurance policies for their drivers, although price of these kinds of coverage rely upon the exact type of insurance policy picked, it could some times rely upon the most important goal of the utilization of the van (irrespective of whether business or non commercialized use).

1. Regardless of how pricey a van insurance cover might be, your legal duty will be to at least get the most primary policy or protection against any uncertainty.Typically, all vans will require fire as well as theft policy besides public liability cover. But business vans also need 3rd party protection along with other policy which cover the van but do not identify anyone driver. On the other hand, particular personnel may be designated for eligibility of discounted price.

2. It is extremely very easy to add new add-ons to comprehensive insurance policies. A few of these add-ons may include additional protective cover for legal expenses coverage, fixture cover, breakdown protection as well as audio coverage. It's perfect in circumstances whereby saving money on policies has to be your uttermost purpose.If you do not drive numerous miles, mileage rate reductions can decrease your payment and experience levels can help save you cash on insurance policy.

3. A huge portion of insured drivers lower their monthly cost through preferring to pay off a considerably greater voluntary excess provided that an crash isn't their own carelessness.Special discounts could be available for those that did not made any kind of claims and put in security alarms or garage storage might dictate a cheap van insurance rates.

4. Insurance providers include varying policy demands when working out van insurance costs for people.Engine size and van capacity do determine rates in addition to small gestures that offer little bumper peel off stickers using telephone numbers for individuals to phone if a commercial van driver is being dangerous on the roads.

5. Insurance costs can easily be lessened if you are paying the full annual payment instead of per month payments- this would prevent you paying the interest fees on the full premiums that incorporates the monthly installments. And also, raising your amount of excess when signing up for the coverage from the outset can also help minimize premiums considerably.

6. Look into the optional protection coverage that your insurer may have included as part of your policy, determine whether you could actually save cash as you take them up or simply buy them cheaper some where else. Many insurers could have more suitable packages once you take up their policy while some will not. Since you're obliged to pay the total amount of your van insurance cover, you may also be in a position to change some features that come with your policy so as to lower your quote.

7. Always bear in mind that van insurance premiums can vary significantly from one insurer to another due to the cost of the van making up the premium and the various risks being exposed to the insurer on a daily basis when you use your van. Insurers tend to increase van insurance premiums when the goods and items been transported are quiet expensive and dangerous- this is because they are exposed to more financial risks .

Finding several van insurance quotes would enable you save money and time as it would help you determine the cheapest option to go for and the policy that offers the best value for your money.

Van insurance comparison websites have sprung up over the years to help individuals choose from a number of non-compulsory extras and add-ons along with supporting car owners establish a cheaper van insurance cover. Legal expenses, personal injury cover, breakdown cover are usually a handful of the numerous additional protection people are in a position to choose from .

Eventually, it always pays to be persistentwhen evaluating a cheap van insurance quote. Obtain as many insurance quotes as you can available then you will be in a better position to ascertain what insurance policy is the best for you and best value for money, get a quote here- http://www.cheapestvaninsurance.org/one-day-van-insurance.html. Nonetheless though, a lot of van insurance you may choose from, between cheap one day van insurance, short term van insurance premiums, cheap commercial van insurance here- http://www.cheapestvaninsurance.org/short-term-van-insurance.html and more. Having big price reductions from all of these insurance policies additionally involves similar tactic and also patience.
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London midday: Stocks rise as markets await Fed policy decision

Markets were issuing decent gains on Tuesday morning with investors choosing to be optimistic ahead of the all-important monetary policy meeting in the States which concludes tomorrow.

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Get deduction for school loan or take lower rate?

Your marginal tax rate determines if you should stick with a student loan or get a family loan.

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London midday: Stocks slip after EU jobs data

The upbeat tone seen from markets in early trading on Friday morning didn't last for long, with the FTSE 100 slipping into the red by midday after some gloomy data from Europe.

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FTSE 100 movers: Severn Trent sinks as takeover is put on the line

Water group Severn Trent was a heavy faller on the FTSE 100 on Monday after rejecting the latest takeover proposal from international consortium LongRiver Partners at 2,200p per share. A spokesman from ...

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6-month CD rates in Oklahoma City, Oklahoma

Shopping for the best 6-month CD rates in Oklahoma City, OK? While rates are fairly low throughout the country, there are still some institutions offering better-than-average rates. For example, one online bank in our survey has been offering 0.61 percent. So it's important to shop around thoroughly for the highest rates in Oklahoma. It's also

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Auto loan rates in Biloxi, Mississippi

Car loans rates are low throughout the country right now. The average 48-month new-car loan rate is currently at 4.02 percent, and there are several lenders offering even better deals. For example, there are at least three lenders in our Mississippi survey offering better-than-average rates. You can use our research to compare auto loan rates

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New bank account rules to save customers £200m

The Financial Conduct Authority has announced a new system to process payments that could save bank account customers £200m in bank charges.

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Mortgage rates in Portland, Oregon

If you are looking to purchase a new home or refinance your existing home then finding the best mortgage rates is imperative. For those looking for mortgage rates in Portland, OR, visit our site where an easy-to-use rates search function for the lowest mortgage rates is available. The search function provides current, up-to-date information on

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Commercial van insurance for every business owners

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

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

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

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

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

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

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

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When Should Parents Consider Child and Car Safety?

Keeping kids safe in the car is a concern for every parent. (image by babble.com)

If someone asked us when parents should consider and begin to practice child safety as it relates to cars, we’d answer that these things should start before their child is even born.

This may sound strange, but as any mother will tell you, the impact from a child begins months before birth. Thus, our answer to the previous question. Since mothers are carrying unborn children for the gestation period, child safety is impacted by the mother’s safety.

While expectant mothers are undergoing physical changes to their bodies, such as the expansion in their abdomens and widening of their hips in the first trimester — changes that continue for all 40 weeks they’ll carry their child — we suggest the same for them as we would any other driver. Wearing their seat belts.

We’ve heard the myth that seat belts endanger the lives of the unborn, but it’s just that — a myth, as long as seat belts are worn properly. That means expectant mothers should wear their seat belts, with the lap belt should be across her hips and below her belly, and the shoulder belt should be across her chest, between the breasts.

Car Seat Installation

With the new arrival of a bundle of joy, we shift from the safety of the mother to the child itself. It may be easy to think that installing a car seat is a simple matter. Put the child seat in the car, insert child, and we’re done, right?

Not so fast. The National Highway Transportation Safety Administration (NHTSA) says 75% of car seats are installed and/or used incorrectly. Fortunately, many hospitals have Child Passenger Safety (SPC) Technicians who can help parents of newborns properly install and secure their car seats.

But what do you do if you’re on your own? While the documentation and instructions included with the child seat is a good start, we think the NHTSA’s free child safety seatinspection centersare also worth the few minutes of time they’ll take to visit. These government-funded centers are based throughout the nation, and they’ll help to ensure a child seat is installed correctly,preferably using the LATCH system.

LATCH, or the Lower Anchors and Tethers for Children system, has been standard equipment on every car sold in the United States since 2002. All child seats produced since that time are also LATCH compliant. The system employs different sets ofÿanchors to be used with child restraints.

However, if you don’t have access to these resources then you’re left to install it yourself. With all the latches and straps installation may seem complicated. But don’t worry; we’ve got you covered below.

Installation for Infants

The primary role of a car seat for infants is to protect the head and neck, which are the most vulnerable to long-term complications in the event of a collision. There are two types of car seats for infants: rear-facing, infant-only; and convertible seats. Rear-facing, infant-only care seats are ideal for newborns but they become obsolete once the child grows to more than 20 pounds. When you’re installing your little one’s car seat we suggest you follow the steps outlined in the manufacturer’s instruction manual. However, here are some general tips that will help you properly secure your newborn. If you’re more of a visual learner you can watch installation videos provided by the NHTSA.

• If you can move the car seat more than an inch then the straps aren’t tight enough. To get them tight enough we suggest you find a way to put your weight into the car seat and then pull the straps as hard as you can. It’s important that the seat moves as little as possible while you’re in transit.
• Ensure the carrier straps are tight and the harness clip is even with your baby’s shoulders or armpits and the straps are in the slot that lines up close to the infant’s shoulders.
• If your baby has some extra space in the seat you can place rolled receiving blankets or towels on each side to keep him or her from wobbling. Avoid placing anything under the harness straps.
• Locking clips are necessary for some vehicles made before 1997. This is necessary because these vehicles don’t have seat belts that lock when the brakes are slammed, so the clip keeps belt from slipping if an accident occurs.
• Your baby’s head should be at least two inches below the top of the safety seat and make sure the seat is set at a 30 to 45-degree angle.
• You can see more tips at DMV.org or Kids Health.

Convertible seats, the alternative to rear-facing, infant-only seats, are designed so that they can be used by infants after they’re heavier than 20 pounds. When the baby reaches that weight the seat can be turned to face forward and it’s secured with three types of harnesses: T-shield, tray shield, and five-point. All of these types meet required safety standards, but the five-point harness is regarded as the best option since it can be tightened to fit snugly and it doesn’t get in the way of the baby’s head. When installing a convertible seat you should make sure all straps are as tight as possible to prevent it from wobbling.

Ages One to Three

While infants should always be placed in rear-facing car seats, once a child has reached at least one year of age and weighs at least 20 pounds they can utilize forward-facing child safety seats installed in the rear of the car. That being said, they’re safer in a rear-facing seat, so keep them in one for as long as possible.Forward-facing seats, like the ones that come before, should be installed using LATCH rather than seat belts, if possible. Here are some other tips:

• If you’re installing a forward-facing seat make sure it’s set directly against the back and bottom of the car seat. When you’re installing the seat make sure to put weight on the seat to push it back as far as possible so the straps will be as tight as they can be.
• Make sure the seat can’t move side to side or tip forward more than an inch. If it does then unbuckle it and try again.
• If your car was made before 1996 then you’ll probably need to buy a locking clip to prevent the lap and shoulder seat belts from slipping.
• Make sure the straps lie flat and tug on them to make sure they’re secure once your baby is fastened into the seat.
• If you can pinch any of the harness material between your fingers then it’s too loose and needs to be adjusted.

Ages Four to Seven

There are no rear-facing car seats available for this age group, and we don’t know of any children of this age group that would be content to sit facing the rear of the car. So, once a child reaches age four, you’ll have no choice but to move to a forward-facing seat.

Keep a child in this age range in their child seat until they outgrow either the height or weight limits specified by the seat manufacturer. Once this happens, it’s time to switch to a booster seat.

Ages Eight to Twelve

Once a child reaches eight years of age or is at least 4’9” tall, they should be placed in booster seats. Most booster seats simply elevate the child’s seating position and enable them to use the standard seat belts on a car. LATCH is not required nor should it be used with booster seats.

At some point during this period, you’ll likely transition the child from booster seat to just using the standard seat belt of the automobile with no otherÿencumbrances. Make sure they’re wearing the belt properly, with the lap portionÿacross their upper thighs and the shoulder portion across their chest.

Other Considerations

We’ve heard lots of chatter regarding the so-called “combination seats.” These seats are marketed as being able to go from a rear facing infant seat to a forward facing toddler seat and then finally to a booster seat for older children. A testing study performed by the Insurance Institute for Highway Safety (IIHS) found significant problemswith these combination seats.

Children should always ride in the back seat of a car, if possible, no matter if they’re in a car seat, a booster seat, or if they’re old enough to wear seat belts.ÿAll modern cars now have both driver side and passenger side front airbags, which are designed for full-sized adults. Airbags can injure or kill a child, and the back seat is simply the safest place in the car.

Finally, don’t assume that just because your child isn’t in a car that all auto-related dangers areÿabated. Child pedestrians are killed at a greater rate than any other age group. In fact,male children, aged 5 to 9 years old, are the largest group of pedestrians killed every year. Children can still fall victim to an automobile by darting into a road without looking or by playing on a street.

The post When Should Parents Consider Child and Car Safety? appeared first on CarInsurance.org.

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Banks should insure loans to small businesses, thinktank says

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London & South East goes 'al desco'

Since the Olympics began last weekend the number of people working from home in London and the South East has shot up by nearly a third, according to new data.

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7 reasons to hold multiple accounts at 1 bank

Variety is the spice of life except when banking. Perk up with all your accounts in one place.

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UNCOVER THE WORLD'S GREATEST ANCIENT CIVILISATIONS ON A SAGA ARCHAEOLOGY TOUR

Discover your inner Indiana Jones as you journey to uncover the secrets of mankind’s greatest civilisations. From hidden treasures to Wonders of the World, a Saga archaeology tour is your chance to immerse yourself in ancient culture.

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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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Mortgage rates in Dallas, Texas

While mortgage rates rose in the Dallas metro area this week, one of the area's real estate firms was listed among the top in the country. The benchmark 30-year fixed-rate mortgage in Dallas rose to 4.04 percent from 3.95 percent, according to the Bankrate.com national survey of large lenders. The mortgages in this week's survey had

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5 Tips to Get the Most for your Dollar at a Year-End Car Sale

The week after Christmas, dealerships begin liquidating inventory to make way for the new models that will fill the lots during the new year. Dealerships pay a pretty penny to advertise these year-end events, so now more than ever, salesmen are prepared to turn visits into transactions. With the opportunity to make many different sales, the sales team has less pressure to keep ticket prices high, leaving consumers more room to haggle. Traditionally, December 27 through New Year’s Eve are the best days for consumers to secure a discount on a new car, but shopping at the end of the year comes with its own unique hurdles.

1. Be prepared for a little give and take

Year-end discounts actually begin during September, but vehicle discounts, like fine wines, only get better as the products age. For the savvy consumer, waiting until the end of the year can reap the biggest financial savings, but you must also be prepared to select from a limited inventory. Like many post-holiday clearance sales, the selection is likely to be a sparse collection of unpopular items, and in the case of vehicles, this means quirky paint jobs and fewer bells and whistles. For the consumer who is prepared for a little give and take, year-end sales can be ideal savings events.

2. Consider models that will become outdated in the new year

Although all vehicles undergo minor upgrades with the new year, major upgrades are made every four to five years. Models that are outdated with the New Year will be sold at larger discounts to make way for the upgraded models. Researching which models are receiving major upgrades can better prepare consumers to find a high-quality vehicle at a year-end sale, as opposed to those models that have been deemed unpopular. However, these high-quality models may still only be available in unusual colors or without upgraded features, so keep that in mind.

3. Bigger is better

Families who are searching for minivans, large sedans, or SUVs can find many discounted options at year-end clearance sales. Also, large pick-up trucks can often be found at closeout prices during these events, offering thousands of dollars in cash-back rebates. And it’s not just the size of your future vehicle that matters; when shopping end-of-the-year car sales, it’s also important to consider the size of the dealership. The larger the dealership, the larger the inventory will be. A larger inventory offers more of a selection to consumers, and it also places more pressure on the sales staff to clear the showroom floor.

4. Choose discounted financing over cash-back rebates

Before visiting a dealership, consumers should consult their banks or loan providers to establish a budget. Discounted financing options with low interest rates and reasonable payment plans generally offer consumers greater discounts than cash-back rebates. These rebates, however, may be necessary to pad the down payment and to otherwise qualify some shoppers for a loan. While discussing payment options, consumers will do well to focus on the final pay-off amount. Many dealerships will encourage consumers to stretch out their payment periods to afford more expensive vehicles, b consumers should be wary of extending payment periods, as this costs more in the long run.

5. Haggle and keep a close eye on the invoice

Hard-nosed hagglers will still walk away from the dealership with the best deals. Remember, it never hurts to ask for more. After all, dealerships will certainly try to stick you with more than you’re willing to pay. Keep a close eye on your invoice to identify any unnecessary extras, such as rust-proofing, fabric protection, or paint sealant. These little fees can certainly add up, and though they won’t cost you thousands, a few hundred dollars saved is well worth the extra attention.

The post 5 Tips to Get the Most for your Dollar at a Year-End Car Sale appeared first on CarInsuranceQuotes.net.

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Road Rage, Distracted Driving Common Among Daily Commuters

A surprising poll recently conducted by Harris Interactive for the job-posting and career advice website CareerBuilder.com provided some interesting insight into American drivers and their habits behind the wheel. Not so surprisingly, the results showed that as a whole, drivers in the U.S. are an angry and distracted bunch.

The poll, conducted between May 14 and June 4 of this year, surveyed almost 3,900 motorists about their commutes to and from work. Of those polled, the vast majority (83%) drove to work each day as opposed to using public transportation. The poll excluded those who were self-employed or employed in government jobs.

According to Rosemary Haefner, Vice President of Human Resources at CareerBuilder.com, road rage is most associated with running late and dealing with long, far commutes. In total, 58% of all drivers said they experienced road rage during their commutes to and from work. This doesn't mean drivers with short commutes were immune to road rage, though, just that they were less likely to experience it. In fact, only 37% of drivers with a commute of five minutes or less experienced road rage, while 54% of those with commutes of 10 minutes or less admitted to experiencing road rage.

As surprising as it may seem, 61% of all women surveyed admitted that they experienced road rage at some point while making their daily commute, while only 56% of men admitted to losing their head behind the wheel. Regardless of gender, younger drivers are more prone to road rage than older ones, adhering to the stereotype that the older you get, the more you mellow-out. Approximately 68% of those surveyed between the ages of 25 and 34 years old said they experience road rage, while only 47% of those 55 and above admitted the same.

The weather also factored into a driver's likelihood of experiencing road rage. Nearly 17% of those surveyed said that when the temperatures go up in the summer, they experience road rage less. Only 10% claimed that the added heat of the summer months fueled their fury behind the wheel.

While a significant amount of Americans seem to struggle with anger issues during their commutes, the upside came from the fact that only 9% had actually been involved in to a fight with another driver.

Beyond angry driving, almost one in four commuters (24%) has been in an accident while on their way to work, while just under a third (30%) admitted to texting and driving while on their way to work. All in all, to keep your vehicle out of harm's way, keep calm and focus on driving while commuting — and watch out for those who don't.

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The truth behind car insurance myths

Everyone knows red cars are more expensive to insure, right? Wrong.

With the latest data from the AA revealing that the average comprehensive premium now costs £1,035.45, car insurance is a huge investment for most drivers.

Worryingly, however, there are a number of myths and misconceptions around car insurance. If you fall for one of these, you could end up overpaying for your cover or potentially invalidate your policy.

We reveal some of the most common car insurance myths.

If I don’t drive my car I don’t need insurance
Wrong. The Continuous Insurance Enforcement (CIE) law requires all registered vehicles to have insurance. It had previously only been illegal to drive uninsured, however, this law, which took effect last year requires all vehicles that are taxed to be insured, even if they are not used.

Those of you who own a car that is not insured must either take out insurance or make a Statutory Off-Road Notification (SORN) with the Driver and Vehicle Licensing Agency (DVLA) – even if you don't drive it.

If I get a speeding ticket my insurance rates will go up
A number of factors come into play here. Your first minor speeding ticket may not have an affect on your insurance rate. However, the speed you were travelling and the frequency of infractions will play a role in determining your premiums.

If I have comprehensive cover I will be insured abroad
A fully comprehensive insurance policy provides the most extensive cover if you’re driving on British roads. Once you leave the UK, however, you may find your level of protection plummets significantly.

For instance, some insurers will only offer you third party cover abroad even if you are fully comprehensive in the UK. This means the company would only reimburse other people for their injuries and damaged property. Other companies will only pay out if you have provided advance warning you will be driving in another country.

Before you head off on holiday, it would be wise to check your policy’s fine print.

My insurance will be more expensive because I am a man
From 21 December this year, insurers can no longer take gender into account as a risk factor when calculating the cost of insurance cover the European Union’s top court has ruled.

Historically, young women have paid significantly less than their male counterparts for their insurance premiums because women are less likely to be involved in an accident.

As a result of this ruling, it’s likely that premiums will increase substantially for many female drivers.

If I buy a red car it will cost more to insure
Wrong. This is a common misconception. Many believe that insurers automatically associate red with youth and aggressive driving but in reality, insurance companies are colour blind.

A spokesman from the AA said that there is no statistical evidence that a red car will increase your insurance premium. Insurers decide what rate you will pay based on the vehicle's year, make, model, body type, and engine size. Other factors that come into play are your driving record, safety statistics, price, and how attractive your vehicle is to thieves.

**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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