tag:blogger.com,1999:blog-16382188415277109822024-03-08T08:21:13.438-08:00Daily Financial Planning GuideRandom Ramblings on Financial Planningjudesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.comBlogger415125tag:blogger.com,1999:blog-1638218841527710982.post-35295157845226399962010-02-01T00:06:00.001-08:002010-02-01T00:06:01.367-08:00Invest On Annuities- The Best Solution For Your Retirement<div style='font-style:italic;' class='uawbyline'>By Maria Parker</div><br /><div class='uawarticle'>Investing your hard earned money on annuities can be a very good option for you because such an income guarantees you a regular income. You can also say that an annuity is a set of equal payments that you have to make during the specific time period. Annuities are issued by various financial institutions and big organizations. These institutions collect money from an individual in the form of annuities and then upon annuitization this money is paid back of the investor in lump sum.<br /> <br /> Investing on annuities can be a very profitable venture for you because through this way you can easily save a large amount of money for your retirement. If you want you can also take life annuities because they are highly beneficial for you. With the help of life annuities you would get a guaranteed regular income as long as you are alive.<br /> <br /> In this article I would mainly like to tell you about some advantages of investing your money on annuities.<br /> <br /> <b>Safe investment</b><br /> <br /> Annuity is just the opposite of an insurance policy. They guarantee you a regular payment for a specific time period. If you have invested your money on life annuities then you would surely get equal payment on a regular basis for the rest of your life. An annuity does not offer you life insurance cover but it surely provides you a regular income for a specified period of time.<br /> <br /> <b>Terms used in an annuity investment</b><br /> <br /> 1. The person who has undertaken the investment is known as an Annuitant. 2. Premium is the amount of money that the Annuitant receives for a specified period of time. 3. The person who enters into an annuity contract with the Annuitant is known as the owner. 4. Beneficiary is the person who receives the monthly payments after the death of the Annuitant.<br /> <br /> <b>Benefit of investing money on annuities</b><br /> <br /> There are various advantages of investing your money on annuities. Some of them are mentioned below: 1. You will get a regular income for the rest of your life if you have taken a life annuity. 2. After your death your Beneficiary will receive the payments until the expiry of the term.<br /> <br /> <b>Annuity and retirement</b><br /> <br /> Annuity is a very good investment tool with the help of which you can really save a large amount of money for your retirement. This investment guarantees you a regular sum of money for a specified time span.<br /> <br /> I am sure this article would certainly provide you all the essential information about annuity investment. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>An annuity is a contract that is developed between an individual or a married couple and their insurance company. Read more about <a target='_blank' href="http://structuredsettlementcashguide.com/go-ing-annuity-for-your-future/">ING Annuity</a> and <a target='_blank' href="http://structuredsettlementcashguide.com/understanding-met-life-annuity/">Met Life Annuity</a>. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-60912539865314034472010-01-31T00:23:00.001-08:002010-01-31T00:23:28.481-08:00The Numerous Services Provided By Your Nearest Phoenix Handyman<div style='font-style:italic;' class='uawbyline'>By Michelle Jones</div><br /><div class='uawarticle'>Phoenix is of course a desert city, so it gets hot. And with the heat comes the need for all sorts of gadgets and apparatus that people in cooler climates seldom use: air conditioners and shade ports, stick-on window tinting and garden wells are just a few of these. If you are not a very handy person, sooner or later you are going to need the services of your local Phoenix handyman.<br /> <br /> A <a target='_blank' href="http://www.5starhandyman.com/">handy man</a> is a blessing created by nature to make things just that little less hard for the rest of us. You will never fully understand the truth of this until you try to hang a door one day and after three days the door is full of holes, the hinges are all broken and the door frame will never be quite the same again. When you eventually phone the handyman, watch how he works. How completely effortless he makes this extremely complicated task look.<br /> <br /> These guys are not educated at Harvard Business School. Neither are they coached by lifestyle coaches working from plush boardrooms. They are born with skills and knowledge that the rest of us can only dream about. It's like their hands instinctively know how to handle a hammer and a drill, a pair of pliers and a screw driver. It's no use even trying to emulate them ' you will only make a fool of yourself.<br /> <br /> Many of these Phoenix handymen are also qualified electricians, plumbers and painting contractors. There is almost nothing in and around the home that they can not install or fix.<br /> <br /> If you bought an assemble-it-yourself dining room table that nobody in the family can figure out how to put together, your handyman will do it in a jiffy.<br /> <br /> The average Phoenix handyman provides such an array of services that for an outsider it will always be hard to understand how one person can know so much about so many things. Most of the time you will also be pleasantly surprised when the bill arrives ' another reason for you to rather use one of these guys next time rather than waste a couple of days trying to do it on your own. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Want to find out more about <a target='_blank' href='http://www.qualityelectrician.net/'>quality electrician</a> services, then visit Michelle Jones's site on how to choose the best <a target='_blank' href='http://www.painters4hire.net/'>painters</a> for your needs. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-60039962465813193032010-01-30T00:25:00.001-08:002010-01-30T00:25:51.957-08:00Seven Things You Should Know About Your Insurance Policy<div style='font-style:italic;' class='uawbyline'>By Chase Speegle</div><br /><div class='uawarticle'><b>Car/Auto Insurance</b> If you have been carrying the same coverage amounts for several years, you should re-evaluate your current policy. You may be able to save money at this very moment. An agent can also help you save money with auto discounts if you are a safe driver, or if your teenage driver has good grades, for example. Quality auto insurance is an important component of a sound financial plan. Protecting your assets when the unexpected happens is what the right coverage should do. New innovative features like accident forgiveness, deductible rewards, safe driving bonus, and new car replacement provide greater protection and bonus rewards from the start.<br /> <br /> <b>Home Insurance</b> Settling down in a home with your family does not mean your insurance needs are settled. Actually, they are frequently in need of adjustments. Your insurance policies should keep up with your ever-changing protection requirements. At first, basic coverage will help prepare you for any unexpected loss or damage while also laying out a valuable safety net for your property investment. As years pass, and you continue to invest in your home with renovations, these home improvement projects may warrant a review of your earlier coverage selections. New valuables inside the home may also require added protection. There is no place like home, so ensuring your abode and possessions are protected in the case of unfortunate events should be one of your priorities, Make sure you choose an agent that understands what is most important to their community's homeowners.<br /> <br /> <b>Condo Insurance</b> A good agent can help condominium owners find the right balance between individual property owner coverage and fellow condo owner protection. As a condo owner, you need to be aware of your individual as well as your common insurance needs. Individually, your personal property needs protection, while you also need coverage for liabilities and additional assessment fees. Building upkeep and common liabilities are items shared among all condo owners. Your agent will be able to help you understand what coverage you need to build your safety net. If you are having problems with your home owners association there are law firms that can help with <a target='_blank' href="http://aimlawgroup.com/PropManage.html"> condo law</a><br /> <br /> <b>Renter's Insurance</b> Renter's policies protect personal property the same way as home insurance. They cover clothes, CDs, technology, jewelry, and other valuables. Do you know what your landlord's insurance policy is? You may be surprised that your landlord may not be held responsible for any damages caused by fire, flood, vandalism, or burglary. Even in the case of an accidental injury in your apartment, you may be held liable, not your landlord. Good news is it costs a little to protect a lot. About 50 cents a day can help buy renter's insurance. Just ask your agent what level of coverage is right for you.<br /> <br /> <b>Power Sports Insurance: Boat</b> Thousands of boating accidents happen every year. In and out of the water, your boat needs to be protected. It is important to know if your insurance policy provides coverage while your boat is within the United States and Canada or outside of the country. Does your policy policy keeps protecting your boat, motor, and trailer up to policy limits?<br /> <br /> <b>Life insurance</b> Extending further than protection, life insurance can be crucial to your family's financial security by providing savings and wealth transfer opportunities. After safeguarding all your assets, you should realize that you should also protect the most important thing in your life: your loved ones. Life insurance helps ensure your family's financial needs are taken care of when you pass away. This type of insurance provides peace of mind above all else. If anyone is dependent upon your income or stands to inherit a financial burden upon your death, then you need life insurance. Like all other types insurance, your coverage needs to be reassessed annually. In general, policies should be worth about 7 times your salary, but as years pass, needs may change.<br /> <br /> <b>Visit www.allst8.com</b> To get a free quote, Speegle Insurance provides a quick link on their website. Find out how much money you could be saving by switching to Allstate today. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>In search of a dependable, established, <a target='_blank' href="http://allst8.com/">ohio insurance agent</a> with friendly agents who welcome your calls and inquiries? As Allstate <a target='_blank' href="http://allst8.com/">Agents in Kent, Ohio</a>, Chase and Dena Speegle know many local families. They understand the people in their community. They know what their needs are and that is what sets them apart from all other insurance providers - their outstanding level of service. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-52679711497773363092010-01-29T01:06:00.001-08:002010-01-29T01:06:42.622-08:00Take Your Company Public: Here Is Exactly How To Do It<div style='font-style:italic;' class='uawbyline'>By James Scott</div><br /><div class='uawarticle'>Going public, the ultimate in the evolution of companies who are seeking access to powerful global finance options for rapid expansion, deepening corporate roots and gaining industry prominence as a true powerhouse and player. The process of going public is technical yet pretty straight forward: business plan, Private Placement Memorandum, Direct Public Offering, Financial Audit, S-1 filing, SEC comments phase, SEC approval, FINRA approval, symbol and then you're public.<br /> <br /> Never price shop for consultants that take companies public and be weary of consultants that will start off a conversation by answering questions geared toward price and giving you quotes without understanding your business first; without the proper information a realistic quote can't be given anyway.<br /> <br /> When you've found a consultant that you're comfortable with you'll need to get a solid understanding of their full range of services. Of course you'll want a consulting firm that will handle all of the above for your company but you'll also need to consider the post IPO services. What happens after you're public? The reality is, selling off stock in a rapid fashion to raise capital is the last thing you want to do, instead you need to approach your consultant and market maker on how to cross collateralize your securities to raise equity loan capital.<br /> <br /> This can be done easily and quickly if you've brought on the right group of advisers to expand your company to the global public. When considering the idea of taking your company public it's important to note that there are many ways to raise capital after you are public without selling off chunks of your company (consult your financial advisers for more information).<br /> <br /> Next, when deciding on a consultant they should also have solid investor relationships to assist your company in raising the capital necessary to go public. A true turn-key consultant will have a database of investors seasoned in the process of pre-IPO finance and will often times jump at the chance of investing in the PPM and DPO phase at a discount for companies that are in the process of going public as this almost guarantees that the investor will double or triple their initial investment when the company achieves public status.<br /> <br /> Out of the hundreds of consulting firms that offer the 'take your company public' service, there are only a dozen or so that actually offer the complete full range of services needed to successfully accomplish public status in a way that maintains investor confidence and corporate longevity. Do your research and find a firm that is well seasoned in the turbulent waters of this industry. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'><a target='_blank' href='http://www.princetoncorporatesolutions.com'>Want To Go Public With Your Company</a>, call Princeton Corporate Solutions at 267-233-0183<a target='_blank' href='http://princetoncorporatesolutions.com/take_your_company_public.html'>Take Your Company Public</a> the easy way! </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-90156402924549664282010-01-28T00:18:00.001-08:002010-01-28T00:18:38.283-08:00Great Ways To Raise Money Fast!<div style='font-style:italic;' class='uawbyline'>By James Scott</div><br /><div class='uawarticle'>Regulation D, Under Sections 4(2) and 3(b) of the Securities Act of 1933, the SEC adopted Regulation D to coordinate the various limited offering exemptions and to streamline the existing requirements applicable to private offers and sales of securities. The Regulation establishes three exemptions from registration in Rules 504, 505, and 506.<br /> <br /> Rule 504, which provides an exemption for non-reporting companies unless they are "blank check" issuers or certain "shells", stipulates that: The sale of up to $1,000,000 of securities in a 12-month period is permitted provided that there is no general solicitation, the securities sold are restricted securities and cannot be resold except pursuant to a registration statement or exemption, and a notice must be filed with the SEC within 15 days after the first sale. Rule 504 does not provide an exemption under any state laws. In certain limited circumstances where an offering is conducted under state accredited investor exemptions, securities offered under Rule 504 may be freely transferrable. Unlike Rules 505 and 506, Rule 504 does not mandate that specified disclosure be provided to purchasers. Nonetheless, the business person should take care that sufficient information is provided to meet the full disclosure obligations which exist under the antifraud provisions of the securities laws.<br /> <br /> Rule 505 was adopted by the SEC to provide small businesses more flexibility in raising capital than under Rule 504 - but without the uncertainty of determining the quality of the purchasers that generally is involved in using Rule 506. Rule 505 provides issuers a limited offering exemption for sales of securities totaling up to $5 million in any 12-month period.<br /> <br /> Rule 505 contains certain restrictions regarding "accredited investors" and non-accredited persons. The-term "accredited investor" includes:<br /> <br /> Banks, insurance companies, registered investment companies, business development companies, or small business investment companies; Certain employee benefit plans for which investment decisions are made by a bank, insurance company, or registered investment adviser; Any employee benefit plan (Within the meaning of Title I of the Employee Retirement Income Security Act) with total assets in excess of $5 million; Charitable organizations, corporations or partnerships with assets in excess of $5 million; Directors, executive officers, and general partners of the issuer; Any entity in which all the equity owners are accredited investors; Natural persons with a net worth of at least $1 million; Any natural person with an income in excess of $200,000 in each of the two most recent years or joint income with a spouse in excess of $300,000 for those years and a reasonable expectation of the same income level in the current year; and Trusts with assets of at least $5 million, not formed to acquire the securities offered, and whose purchases are directed by a sophisticated person.<br /> <br /> If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish audited financial statements.<br /> <br /> If an issuer other than a limited partnership cannot obtain audited financial statements without unreasonable effort or expense, only the issuer's balance sheet (to be dated within 120 days of the start of the offering) must be audited.<br /> <br /> Limited partnerships unable to obtain required financial statements without unreasonable effort or expense may furnish financial statements prepared on the basis of federal income tax requirements and examined and reported on by an independent public or certified accountant in accordance with generally accepted auditing standards; and The issuer must also be available to answer questions by prospective purchasers about the issuer or the offering.<br /> <br /> Further restrictions under Rule 505 include:<br /> <br /> The total offering price of each issue of securities may not exceed $5 million. The offering may not be made by means of general solicitation or general advertising. The issuer may sell the securities to an unlimited number of "accredited investors" and to 35 non-accredited persons. There are no requirements of "sophistication" or "wealth" for persons to whom the securities are sold. A company must take any necessary steps to ensure that the purchasers are acquiring securities for investment only, not for resale. The securities are thus "restricted" and investors must be informed that they may not be able to sell except pursuant to a registration statement or exemption from registration. The issuer is not required to file any offering materials with the Commission. Fifteen days after the first sale in the offering, the issuer must file a notice of sales on Form D. The notice also contains an undertaking under this Rule for the issuer to furnish the Commission, upon its staff s request, any information given to non-accredited purchasers in connection with the offering. Rule 505 does not provide an exemption from state securities laws.<br /> <br /> SEC Rule 506 offers and sales of securities by an issuer that satisfy the conditions stated below are deemed transactions not involving any public offering within the meaning of Section 4(2) of the Securities Act. For an offering to be considered exempt from the registration requirements, Rule 506 stipulates: There is no ceiling on the amount of money which may be raised. No general solicitation or general advertising is permitted. The issuer may sell its securities to an unlimited number of accredited investors and 35 non accredited purchasers. Unlike Rule 505, all non-accredited purchasers (either alone or with a purchaser representative) must be sophisticated - that is, have sufficient knowledge and experience in financial and business matters to render them capable of evaluating the merits and risks of the prospective investment. The term "accredited investor" is defined under Rule 505.<br /> <br /> If the issuer sells any securities to non-accredited investors, it must furnish to all investors the same type of information as required by Regulation A. It must also furnish the same financial information as would be required by registration on Form S-1.<br /> <br /> If the issuer cannot obtain audited financial statements without unreasonable effort or expense, then financial statements may be provided in accordance with the special treatment described under Rule 505.<br /> <br /> The securities sold are "restricted" under the same stipulations in Rule 505.<br /> <br /> A company is required to file a notice of the offering on Form D at SEC headquarters within 15 days after the first sale in the offering. All states except New York provide an exemption from state securities laws for offerings under Rule 506 but the company must file a copy of the Form D and pay a filing fee in each state. New York has a distinctive law which makes a Rule 506 offering within that state impractical.<br /> <br /> Accredited Investor Exemption<br /> <br /> The Small Business Investment Incentive Act of 1980 created a new statutory exemption from registration under the Securities Act for transactions involving offers and sales of securities by any issuer solely to one or more "accredited investors." Under Section 4(6):<br /> <br /> The total offering price of each issue of securities under the exemption may not exceed the limit on small offerings set by Section 3(b) the Securities Act, which currently is $5 million per issue. The offering may not be made by means of any form of advertising or public solicitation.<br /> <br /> The term "accredited investor" is defined to include the same individuals and entities as included for purposes of Rules 505 and 506. The issuer is required to file a notice of sales on Form D with the Commission 15 days after the initial sale is made in reliance on the exemption. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'><a target='_blank' href='http://www.princetoncorporatesolutions.com'>Take Your Company Public</a>, call Princeton Corporate Solutions at 267-233-0183<a target='_blank' href='http://princetoncorporatesolutions.com/take_your_company_public.html'>Take Your Company Public</a> the easy way! </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-4770006258429812422010-01-27T00:15:00.001-08:002010-01-27T00:15:48.724-08:00Angel Investor Mind Control: Is This Process Real?<div style='font-style:italic;' class='uawbyline'>By James Scott</div><br /><div class='uawarticle'>Discovering the 'thumbscrews' of investors is crucial to getting them to take action. In over a decade of dealing with global investors there are several elements that I've discovered to be universal truths about the mind of the private investor (angel investor, accredited investor).<br /> <br /> When talking to an investor for the first time, it's more important to listen than to speak. It's more important to ask questions than answer them. It's more important to discover their needs and wants than to exclaim your own. Your first conversation with an investor should be all about piercing the armor and finding the trigger points that prompt a reaction that gets to the center of their 'childlike' state.<br /> <br /> What I mean by this is, investors, just like anyone else, has insecurities that are rooted in their childhood and what they are outwardly today, is typically a polar opposite of what they are on the inside. For example, an arrogant, chest beater seems proud and obnoxious on the outside but the reality is that they are over compensating for an insecurity that is rooted in an individual or collection of childhood incidents.<br /> <br /> Maybe they were made fun of as a child, maybe they're father was verbally abusive, maybe their teachers would single them out in class opening them up to playground mockery. When talking to these individuals it's important to listen to their voice and intonation when the conversation topic changes. Take notes on their psychological adjustments to the conversation. After you feel you have discovered the triggers that induce the 'pleasurable' responses, end the call, and set your second phone appointment with them.<br /> <br /> On that second call, you want to have your conversation ready to go using the triggers you found in the first conversation. Play off of those insecurities that you found, become their best friend without being chummy but it is your mission on this call to be the "guy that understand me" to the investor. You want the overall tone of this conversation to have the response from your target along the theme of, "wow, this guy gets me" , "I can see investing in this company".<br /> <br /> By using this method and not coming across as 'fake', you have become an investment opportunity and a shrink all rolled into one. You want to be the one person that this investor can lower his guard to because everything he says, you seem to be the one person who understands him at his deepest level. You seem to naturally be tuned into his insecurities, emotions, needs and wants. Sound strange? Try this out on the next investor you talk to, I guaranty you will be shocked with the results. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>For Corporate Turnaround Services or <a target='_blank' href='http://www.princetoncorporatesolutions.com'>Investor Finder Services</a>, call Princeton Corporate Solutions at 267-233-0183<a target='_blank' href='http://princetoncorporatesolutions.com/take_your_company_public.html'>Take Your Company Public</a> the easy way! </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-83410986331891438652010-01-26T00:06:00.001-08:002010-01-26T00:06:40.096-08:00Make Your Money Know With Forex Trading Software IvyBot<div style='font-style:italic;' class='uawbyline'>By John Adams</div><br /><div class='uawarticle'>Many people believe that IvyBot, the new forex trading robot, is one of the best ever released in the forex market. The IvyBot is likely to become some of the most popular forex trading software in the market. The forex trading program has been getting a lot of attention lately in foreign currency trading. The IvyBot shows and exhibits impressive results, it is 100% automatic and is easy to install and use. Now you can start to make money with IvyBot the automated forex robot.<br /> <br /> People consider IvyBot as one of the trading robots with the most advanced coding on the market today. At its current price range, you get four robots with each robot specializing in a specific currency pairing: EUR/USD, USD/CHF, USD/JPY, and EUR/JPY. This presents you with the opportunity to earn money on different fronts. This ability to specialize in multiple currencies may lead you to think that IvyBot is complex. No it's not. What attracts people to IvyBot is its simplicity and powerful automation.<br /> <br /> The Forex IvyBot comes with several notable features. It is the only one of its kind to offer a package that contains not just a single robot, but 4 independent robots. These 4 robots can work with 4 different currency pairs such as the USD/JPY, USD/EURO, USD/CHF and EURO/Yen. Each of the said 4 robots come with a specific algorithm based solely on a specific currency pair. With 4 Forex robots at your disposal, you are able to work on different markets without fear of missing a certain currency pair that might look quite profitable.<br /> <br /> There are many advantages in trading the in foreign currency market. IvyBot trades four pairs of currency using four separate robots, one for each currency pair. It is much better than other automatic systems that only trade one currency pair.<br /> <br /> The developers of IvyBot understands that the software is not for everyone. This is the reason why they offered the IvyBot with 60-day money back guarantee. No need to rely on unknown testimonials on how great the software is. You can try the Forex IvyBot for yourself. You can check if it suits your trading style and most important of all, if it does help you profit in Forex trading. If not, you can simply return the software and get a full refund. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Guaranteed 95.82% Accuracy, <a target='_blank' href="http://www.sneakymoneysystem.com">Best Forex Robot</a>,. Forex MegaDroid Indisputably Proves A Robot Can Trade With 95.82% Accuracy In EVERY SINGLE Market Condition And At Least Quadruple Every Single Dollar You Deposit. 38 years of combined <a target='_blank' href="http://www.sneakymoneysystem.com">forex trading</a>, experience delivers Megadroid RCTPA Technology. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-76245408287070907502010-01-25T00:04:00.000-08:002010-01-25T00:26:13.084-08:00You Cannot Do Without Adequate Car Insurance<div style='font-style:italic;' class='uawbyline'>By Tom Martens</div><br /><div class='uawarticle'>Car insurance is something that every car owner needs to purchase because of the high cost of an automobile and also because it is something that will stand you in good stead in the future. You should make it a top priority that you have adequate protection so that you can enjoy safe ownership and in addition you can also take good care of your car with the right coverage. Cars can easily be stolen and they can also be involved in accidents ' both of which will mean suffering substantial financial losses.<br /> <br /> In order to avoid such situations, car insurance is considered your best bet as it provides you with more than adequate protection from heavy financial losses. In fact, people today are using a wide variety of vehicles and these can range from costly vehicles to those that are quite cheap. Regardless, it is important that owners buy security for their cars as otherwise the cost involved in repairing/replacing the car can be a bit too costly to bear.<br /> <br /> There no doubts the fact that insuring a car provides you with multiple numbers of benefits though at the same time it is also true that insuring the car also can mean having to spend a considerable amount of money to buy the protection. In most cases, auto owners generally choose to purchase maximum coverage and this is one of the reasons why the premiums will be so high.<br /> <br /> However, there is also stiff competition among insurers and this will allow the astute buyer to obtain the most competitively priced policies. Therefore, before you buy the coverage for your automobile you have to look at a variety of quotes that can be obtained from a number of different insurers.<br /> <br /> The Internet offers you a lot of scope in finding all the required information about insurers and policies and you can also use it to obtain free and instantaneous quotes. There are many online insurers that will be willing to provide more affordably priced auto insurance rates that suit your exact requirements.<br /> <br /> All it therefore requires is for you to click your mouse button a few times and you should not then find it difficult to find the cheapest insurers and the best coverage. However, be sure that you ascertain beforehand that you are dealing with a reliable company. Some of these companies of course will display quotes for their customers which you can then compare with what is otherwise available on the market and then base your decision on whichever quote seems to be the best.<br /> <br /> By dealing with a preeminent company you also stand to get significant discounts that are normally offered as part of promotion schemes that can prove to be a real boon to the ordinary buyer. The right kind of car insurance will certainly provide you with many benefits and it will also give you greater peace of mind knowing that you are well protected against mishaps, thefts and other misfortunes.<br /> <br /> It therefore makes good sense for you to look at not only the insurer and their quotes but also the kind of coverage that is sufficient for your vehicle and then buy the best plan from a reliable and trustworthy insurance provider. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'><a target='_blank' href="http://www.carinsurancesa.co.za">Car insurance</a> is a must as an automobile is among the expensive items that an individual owns. It's therefore necessary that the automobile be kept safe and its proper care requires that the owner be very cautious especially when it comes to <a target='_blank' href="http://www.carinsurancesa.co.za/over-under-insurance.htm">Over Insurance and Under Insurance</a>. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-55756419777781590072010-01-24T00:56:00.000-08:002010-01-24T01:22:17.503-08:00Pass Investor Due Diligence<div style='font-style:italic;' class='uawbyline'>By James Scott</div><br /><div class='uawarticle'>Why pay a publicist outrageous fees to get you a tiny insignificant article in a newspaper or magazine rag when you can literally become an industry niche sensation overnight using a carefully constructed video and a handful of long tail industry specific keywords?<br /> <br /> Traditional publicity firms have become that'72 bowling ally loitering, disco dancing undesirable while a new breed of publicists have stepped in and transformed the industry from paper, to cyberspace in only a few short years. Why traditional publicists have been adjusting that pathetic comb over hairstyle, young and aggressive publicists have been creating publicity techniques that deliver results in 24 to 48 hours as opposed to 6 to 8 weeks and as far as results, there is no comparison.<br /> <br /> Internet marketing and publicity techniques such as strategic video submission, if done correctly will transform the direction of a failing company to "THE" industry powerhouse almost instantly by loading the video with solid, well thought out descriptions and targeted long tail keyword tags. A publicist who understand the concept of pure video publicity can tailor a campaign that can outperform any traditional publicity technique ever devised by the good ole' boy networks who overcharge and under deliver for their clients.<br /> <br /> Video marketing can stretch past the tiny geographic proximity of a city, across state lines and into international territory. Publicists that specialize in video marketing and other online methods used in strategic combination with one another, will have the client dominating every aspect of their industry niche.<br /> <br /> Targeted video marketing by the Web 2.0 type publicists translates into instant client results that build stronger client relations and can transform the future of any company in any industry. Publicity marketing will always offer a turn-key solution to massive amounts of traffic, branding, marketing exposure and all the bells and whistles of a dozen traditional publicity firms. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Want to work with a REAL <a target='_blank' href='http://www.princetoncorporatesolutions.com'>Publicity Marketing</a>, firm? Call Princeton Corporate Solutions at 267-233-0183 to feel the power of real <a target='_blank' href='http://princetoncorporatesolutions.com/princeton_corporate_solutions_publicity_marketing_services.html'>Internet Publicity</a> you can count on. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-33776936769128831062010-01-23T01:09:00.001-08:002010-01-23T01:09:13.148-08:00Tito Ortiz Returns To The UFC<div style='font-style:italic;' class='uawbyline'>By Ross Everett</div><br /><div class='uawarticle'>In the 'real world' time heals all wounds. In the fight game, money has the same curative effect. This was vividly illustrated with the recent announcement that Tito Ortiz has patched things up with Dana White and will return to the UFC. Tito left the promotion over a year ago after a highly publicized split with the UFC president.<br /> <br /> Ortiz has had several run ins with the UFC over their notoriously tight pay structure, and first left the promotion in 2005. He was back later that year for a run as a coach on The Ultimate Fighter against longtime rival Ken Shamrock. After losing to current light heavyweight champion Lyoto Machida in his last UFC appearance, he left the company and bounced around in a promotional capacity. He had surgery on his back in the process, and now claims that hes back to 100%.<br /> <br /> Tito may never regain his championship form as a fighter, but that is of minimal relevance due to one salient fact"people will pay to see him fight. Dana White evoked the same theme in his comments on Ortiz at a Friday press conference in Las Vegas:<br /> <br /> "Tito and I have a history that everyone knows. He's still a guy that everyone wants to see fight. He said his back has healed perfectly and he's ready to take a shot at the title. He's one of those guys that people love and people love to hate. We've put all our differences aside, have squashed everything and will move forward, and Tito will retire in the UFC."<br /> <br /> To which Ortiz offered this response:<br /> <br /> "Time really cures everything. Dana was a man of his word. Dana apologized to me. We're like boyfriend and girlfriend."<br /> <br /> Ortiz indicated that White and UFC co-owner Lorenzo Fertitta came to his home in Huntington Beach, California and made him the proverbial offer he couldnt refuse:<br /> <br /> "I'm happy, I'm satisfied, You'll never hear anything about money again.<br /> <br /> Sources suggest that Ortiz could debut on the UFCs New Years card against Mark Coleman. Coleman is coming off a unanimous decision victory over Stephan Bonnar at UFC 100 in mid July.<br /> <br /> Though he may be past his prime as a fighter, Tito Ortiz is a star. Some love him, some hate him but people pay to watch him fight. That dynamic is money in the bank to a fight promoter. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Ross Everett is a widely published widely published freelance sports writer and respected authority on sports betting <a target='_blank' href="http://www.oddsbay.com/">odds comparison</a>. He writing has appeared on a variety of sports sites including sports news and <a target='_blank' href="http://www.oddsbay.com/">betting odds portal</a> sites. He lives in Northern Nevada with three Jack Russell Terriers and a kangaroo. He is currently working on an autobiography of former energy secretary Donald Hodell. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-18385909049832429282010-01-22T00:32:00.001-08:002010-01-22T00:32:04.459-08:00The Perfect Solution To All Your Business Capital Needs: A Must Read For All Business Owners!<div style='font-style:italic;' class='uawbyline'>By James Scott</div><br /><div class='uawarticle'>How To Find All The Angel Investors And Venture Capital Financing You'll Ever Need! The once definitive line that would separate hard money and private/angel financing has merged into a hybrid of sorts in the past few years. As the economy has taken a dive and structured private lending firms have felt the crunch we are finding many of these lending solutions closing its doors and re-opening as privately owned and managed funding options with an interest in both lending and seed investment.<br /> <br /> Approval decisions that were once made by a group are not being made by an individual or duo with an eye toward optimal capitalization with both short term and long term agendas. As investors are, now more than ever, trying to get as much bang out of their buck, entrepreneurs are in the precarious position of accepting funding from virtually any and every enterprise that is making an offering. That said, it is more important now than ever to swing open your mind to the possibilities of mass exposure of your opportunity to the investment world.<br /> <br /> The best way to do this is to simply put your business in constant and automated 'introduction' mode so that you can be found by the moneymen. The best way to do this is to heavily investigate the venture capital industry for executives who have created offshoot programs that have deviated their process from the traditional path of simply approving or declining a transaction.<br /> <br /> There are many VC professionals who want to capitalize off of the projects that their firm cannot accept due to underwriting criteria and industrial genre specialization so they are starting these small but well managed financial source databases where members can place their transaction directly in front of thousands upon thousands of angel investors, private investors, hard money lenders, venture capital firms, private equity firms and other alternative finance solutions.<br /> <br /> These websites are now the hottest thing in the capital markets and will continue to grow because of the high success rate of individual executives and entrepreneurs who are able to find multiple streams of financing options with the click of a button. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Do You Need Financing For Your Business? Do You Need <a target='_blank' href='http://www.angelfundingproject.com'>Angel Investors, Private Investors or Venture Capital</a>, then visit Angel Funding Project's site and find the best <a target='_blank' href='http://angelfundingproject.com/angel_funding_project_investors_database.html'>Business Funding Sources</a> In The Industry. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-83875223212746204482010-01-21T02:13:00.001-08:002010-01-21T02:13:58.188-08:00Singapore Refinancing Your Home<div style='font-style:italic;' class='uawbyline'>By Felicia Chew</div><br /><div class='uawarticle'>When it comes to mortgages, many individuals don't refinance. A fundamental number are unaware they have the choice of changing their loan to another financier; others are simply indifferent. They stick with their very first lender and the "reward" for such loyalty tends to be higher interest rates. Due to the magnitude of housing loans and the tenure that the loan is amortized over, the interest we are speaking about here can easily stretch from thousands to 100,000's of dollars. Take a look at the following components to see whether it's time for you to consider refinancing.<br /> <br /> Current Mortgage Interest Rate<br /> <br /> It is definitely a good indication for you to explore refinancing when your current interest rate is higher than available home loan packages on the market. A first step to take is to go back to your existing banking company or financial institution and ask them to revise your package, otherwise known as repricing. If your lender comes back with an offer, it will ordinarily be better than your current one. You can then compare this offer with offers from other lenders to see whether you should switch or stay put.<br /> <br /> Lock-in and Clawback Periods<br /> <br /> When you take up a housing loan, there may be a lock-in period where your housing lender will charge you a penalisation fee, usually a percentage of your outstanding loan amount, if you were to fully repay your loan. Almost all mortgages also come with a clawback period where the lender will claim back "freebies", such as legal subsidies, that they "gave" you when you take up your mortgage (Note: lock-in period is separate from clawback period). It may not be worthwhile for you to refinance due to such costs.<br /> <br /> Loan Quantum<br /> <br /> The larger your loan amount, the larger your savings for the same reduction in interest rates. For instance, 1% on a loan of S$100,000 is much less than 1% on a loan of S$500,000. However, fixed cost to refinancing, which comprises mainly of legal fees, do not vary much with loan quantum. The difference between your existing and refinancing interest rates, therefore, has to be bigger for a relatively smaller loan as fixed cost eats into a more substantial share of your interest rate savings.<br /> <br /> Perceived Interest Rate Movements<br /> <br /> Your view on how interest rates is moving can be a factor when considering whether you should refinance. If you are currently on a fixed rate package and think interest rates are dropping, you may want to refinance to a floating rate package. Conversely, if you are on floating rates and believe interest rates are rocketing, changing to fixed rates may be a good choice.<br /> <br /> Individual Financial Assessment<br /> <br /> If there is a change in your financial state, you may want to vary your package particulars via refinancing. For instance, you are starting your own business organization and do not want volatility in other areas. Give some thought to taking up a fixed rate package. Maybe you want cash to invest in different property. Consider raising your loan quantum. Or your monthly income has increased and you want to minimise interest loan payments. Consider reducing your loan tenure.<br /> <br /> Consider calling us today if you are looking for refinancing in Singapore. We can save you a lot of money plus give you the latest advice all for free. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Learn more about a premier <a target='_blank' href="http://www.myhousingloan.com.sg/">Housing Loan</a> advisory firm, providing <a target='_blank' href="http://www.myhousingloan.com.sg/">Housing Loans</a> with free mortgage broking. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-77681253096929721982010-01-20T01:51:00.001-08:002010-01-20T01:51:04.472-08:00Preparing For Long Term Care Must Start Now<div style='font-style:italic;' class='uawbyline'>By Bob Dill</div><br /><div class='uawarticle'>Long term care is used by both the elderly and those who are disabled in some way that prevents them from taking care of themselves. It's not an eventuality people expect and ever so many don't include it in their existing insurance policies. But knowing that you could relieve the burden on friends and family, wouldn't you take that opportunity if you could?<br /> <br /> Becoming dependent on others can happen suddenly or gradually. Many healthy people take for granted the simple ability to dress one's self, to bathe alone, to go to the bathroom on their own. However, these are the sorts of things that one relies on long term care for, along with medical procedures and other forms of care.<br /> <br /> Even in the best countries, the government is not prepared to handle the growing population of people who require long-term care. Even in areas of the world considered more progressive when it comes to health care, like Europe, the burden of caring for the elderly or disabled is shouldered by younger family members or dear friends.<br /> <br /> Different medical programs in the United States cover long-term care in different ways. Medicaid requires eligibility, meaning that a person's finances and other resources are taken into consideration before their long term care will be covered. Medicare itself does not cover what is called custodial care, nor does it cover care provided by non-medical skilled personnel. However, at least in this respect several Nordic countries are ahead of the U. S. By providing long-term care givers with some sort of financial recompense as well as pension plans where appropriate. Family and friends in these countries can expect compensation for their noble efforts in caring for others.<br /> <br /> Of the twelve million Americans who are in the long term care system, five million are work-aged adults no longer able to care for themselves. Not everyone experiencing long-term care is elderly, though that is obviously the vast majority. Most people are caught unprepared by a worst case scenario, and long term care is the furthest thing from their minds. But while insuring your house, your car, your life, why not consider insurance to cover future long term care, should it become relevant?<br /> <br /> Three things should be kept in mind when considering long term care insurance. One is that the sooner you start planning for it, the better. Older adults are healthy enough to pass any required medical exams, and yearly premiums will be lower than if they start planning later. A second thing to consider is that the annual premiums will not rise should a later health condition arise. They will be locked in. The third thing to keep in mind when considering this type of insurance is that there is an elimination period just before your policy starts to cover your long term care. For sixty to ninety days, depending on the policy, you will not be covered and someone will need to pay for the stay, which can be up to or more than $150 a day.<br /> <br /> The number of elderly people is growing. This is natural, given how many different ways there are of prolonging someone's life. However, the population of people in long term care is also growing. Consider planning for the future, for both the best possibilities and the worst. Putting the right amount of money into the right type of insurance will not bring about the worst case scenario any sooner, and it's so much better to be safe than sorry. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Before you go out and buy a policy go to <a target='_blank' href="http://www.longtermcareinsurance-guide.com">Long Term Care Insurance</a>, ask questions and request a <a target='_blank' href="http://www.longtermcareinsurance-guide.com/long-term-care-insurance-quotes.html">long term care insurance quote</a>. We represent 20 of the top LTCi providers. This gives you tremendous options. For more information on how to <a target='_blank' href="http://www.clickadvant.com/">increase website traffic</a> visit Clickadvantage. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-65305823488158463002010-01-19T01:50:00.000-08:002010-01-19T02:24:00.917-08:00Why Is Ecommerce Shopping Cart Important?<div style='font-style:italic;' class='uawbyline'>By Benedict Perez</div><br /><div class='uawarticle'>Ecommerce shopping cart is definitely associated with global marketplace and increased sales. Hence, it is now viewed as among the necessary things that online businesses must have regardless of its genre for them to be able to cope with the demands of this competitive business world. It will certain give you the cutting edge as far as order processing, inventory management and information storage are concerned.<br /> <br /> Because of these essential and enticing things that this kind of software can do to boost any kind or size of business, it is now gaining popularity. As such, it is no longer hard to find it anytime you may decide to use it to enhance the ecommerce you are engaged in. This is indeed a must have stuff in order for your online business to cope with the demands of stiff competition.<br /> <br /> Having this kind of shopping you can definitely expand your market margins from being small scale to possible global horizons and highly focused market segments. Ecommerce shopping cart offers tempting yet economical boost to any kind or size of business. With this kind of shopping cart you can also boost your business' potentials and eventually giving you a prominent edge over your competitors.<br /> <br /> You need not have to worry much about the cost you need to incur to have the most efficient and reliable ecommerce shopping cart. Budget should not really restrain you from showcasing the potentials of your website with the right online shopping cart. You can always opt for much cheaper type of this stuff which is as efficient and as reliable as it can be.<br /> <br /> Ecommerce shopping cart can indeed do so much for any kind and size of businesses. It works a lot for changing prices listed in your website, customizing your products as will as making simple to intricate innovative models for the kind of business you are engaged in. These and more are the essential wonders that this kind of shopping cart can do for businesses regardless of its genre.<br /> <br /> This particular shopping cart will eventually sharpen the marketing as well as the promotion strategies of whatever business genre you got. It also helps in building a comprehensive customer database. This is very essential in collecting and managing valuable customer-related information, including customer's ordering patterns.<br /> <br /> Ecommerce shopping cart also provides the needed convenience for your clients and customers. Other than that it also gives them the chance to avail and reap the benefits of online shopping that most if not all shoppers are always looking forward to get. This is especially true with the big discounts they shall get aside from all the other freebies for them to grab whenever they do their shopping online.<br /> <br /> These are just a few of the many essential points that this kind of shopping cart essentially important in all kinds of online businesses. Now that most shoppers are eventually turning positive attitude towards faceless transactions of shopping online it is indeed essential to have especially. Hence, it is really important for you to get the edge over your competitors with the most efficient yet practical ecommerce shopping cart. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Online businesses have gone to a boom in today's genre. This is why it is easy to accept credit cards online through <a target='_blank' href="http://www.1automationwiz.com/shopping-cart-software.htm">online ecommerce shopping cart</a>. Or you may want to try <a target='_blank' href="http://www.1automationwiz.com/shopping-cart-reviews.html">website shopping cart software</a>. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-53488109901016719132010-01-18T01:43:00.000-08:002010-01-18T02:07:38.780-08:00Using A Mortgage To Consolidate A Multitude Of Debt Sources<div style='font-style:italic;' class='uawbyline'>By Chris Channing</div><br /><div class='uawarticle'>Handling multiple lines of credit isn't something the average home owner has the patience to handle if they find themselves in debt. Instead of paying creditors separately and paying different interest rates, a debt consolidation loan can be used to consolidate your efforts and even save you money.<br /> <br /> Before consolidating debts and taking a step in the right direction, first verify that you are both willing and able to make the new commitment to your mortgage loan. If you aren't, you could very well end up bankrupt and broken for years to come. Even though you might reason that you could be less careless with your money, actually being able to resist all urges to buy new things or go out to a restaurant takes character.<br /> <br /> It won't be easy paying your mortgage without first knowing what your commitments are each month in terms of expenses. Make a journal of every expense you have so that you can see where your money is going. Even though larger expenses might appear like the culprit, sometimes the smaller expenses can add up.<br /> <br /> Every expense that you have found in your monthly statement should be ranked according to necessity. Paying a water bill would be a necessity, for instance. Going to see a Broadway musical might not be the best use of your money if you are in debt. This type of organization will also make it easier to see which bills should be paid first, and what order to pay consequent debts.<br /> <br /> Your life seems easier somehow when you are paying the minimum amount on your mortgage loan. When you have less bills, you have more money to put towards your eating habits and entertainment, so naturally you will feel much more relaxed. The reality is that you will be paying years longer for a mortgage you didn't take seriously when compared to a mortgage that you worked hard to pay of as soon as you could.<br /> <br /> The smart home owner will refinance a consolidation loan every few years or so. The amount of time in which you can refinance depends on your contract with the lender- always check with them first before agreeing to refinance with a lender representing a different company. Some include fees if you repay the loan prematurely to prevent the lender from missing out on interest payments.<br /> <br /> In Conclusion<br /> <br /> Loans last decades in term life. As a result, there is bound to be at least one instance in which you could make an error or not be able to pay your bills. Be proactive about the situation by budgeting your finances and modularizing your payments, expenses, and savings. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Learn more on <a target='_blank' href="http://www.adverse-mortgage-centre.co.uk/debt-consolidation-mortgage-articles.html">Debt Consolidation Mortgage Articles</a> and <a target='_blank' href="http://www.adverse-mortgage-centre.co.uk/debt-consolidation-loan.html">Debt Consolidation Loan</a>. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-69480869354521572882010-01-17T00:08:00.001-08:002010-01-17T00:08:45.111-08:00Sources For Small Business Grants<div style='font-style:italic;' class='uawbyline'>By John Goldman</div><br /><div class='uawarticle'>Small business grants are a boon for businessmen eager to start their small but significant business. However many people are unaware about these types of grants and are confused about the myriad of information they get from friends and well wishers. <br /> <br /> Therefore, to get authentic and precise information about business grants you can depend upon the internet and gather information. There are sources which can provide you with best information on government grants. These links can also enable you to find the small business grants programs that are offered in your own native land. <br /> <br /> Helpful authentic factors:<br /> <br /> There are no direct small business grants that you can get from the federal government. However, there are state development agencies which can offer you some direct small business grants. There are also other types of financial assistance which is provided in order to encourage and also to assist the entrepreneurs to start or to expand small businesses. <br /> <br /> Some useful links:<br /> <br /> Various helpful sources:<br /> <br /> What is SBA?<br /> <br /> Define Small Business Administration:<br /> <br /> SBA is the US small business administration. It has provided assistance to lot many Americans to start small businesses. At the current scenario, the SBA offices in each and every state aid and assist you with information on financing, planning, and training and also on advocacy for the small firms. Moreover, SBA also works with many people with right to lending, training and learning foundations all over the state.<br /> <br /> Sponsoring your concern:<br /> <br /> Innovation grants for green technologies:<br /> <br /> There is also innovation of grants for the green technology development on the site which you get to preview. Through this link, you get to know about the financial assistance for small businesses that can develop green technologies. <br /> <br /> Are small businesses worth for getting the grant from the government?<br /> <br /> Are small businesses useful for getting the grant from the government?<br /> Approximately, fifty percent of the private employees are hired by 25 million of small businesses in America. Such business can generate more than fifty percent of the country's gross domestic product. This way, such small businesses are the principal source of new-found jobs in the market of US.<br /> <br /> Can SBA help a person for the grant facility?<br /> <br /> Of course, if one's business is at present or will be owned independently and also operated, the SBA can help that individual. Also, if the organization is not prominent in the discipline and meets all the business size principles that are vital, then also the SBA can help the person for the grant. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>John Goldman is one of the foremost advisor in matters relating to Government Grants and Financial Aid. To learn more about government grants and how to apply for them <a target='_blank' href="http://www.governmentgrantusa.org"> visit the Government Grant USA website </a> </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-76583464005051841622010-01-16T00:52:00.001-08:002010-01-16T00:52:36.994-08:00Record Companies Are Now Suing Mobile Carriers For Royalties<div style='font-style:italic;' class='uawbyline'>By Mallory McGuinness-Hickey</div><br /><div class='uawarticle'>Record companies have apparently found a new tactic to cash in on royalties. As we are well aware, at first these businesses sued individual users who illegally downloaded music. But this approach to collecting money in order to recover from major financial loss has destroyed their public image.<br /> <br /> Rather than lowering the cost of albums in order to compete with free music circulating through the internet, record companies have turned to collection agencies who are now suing cellphone companies over royalties from ring tones. They contested that ring tones counted as public performances and therefore cell phone companies should be obligated to pay performance fees. The courts quickly shot this down.<br /> <br /> After this unsuccessful attempt to collect money, Broadcast Music Inc is now suing T-Mobile over ring back tones, contesting that the cell phone company is selling them without agreeing to licensing agreements. Instead of ring tones, which play out loud when someone calls a cellphone, ring back tones play expressly to the person calling. That is to say, instead of hearing a cellphone dialing tone, the caller will hear a song chosen by the cell owner.<br /> <br /> Cynics are quickly to point out the seeming irony of this lawsuit. Ringtones which can be heard by anyone around a cellphone do not count as a public performance, so it seems ridiculous to sue the mobile carriers over a ringback tone that can be heard solely by the caller. The music industry, suffering from major financial losses, seems to be grasping at straws in order to collect any money that they possibly can.<br /> <br /> It does not seem that the idea of lowering the cost of CDs and DVDs has occurred to the record companies. There are still a large number of music lovers out there who would rather collect and own the media, but with prices constantly rising, downloading music for free seems more and more tempting. CDs are generally priced at seventeen dollars.<br /> <br /> A few bands have bypassed the issue of free music downloads through creative tactics. Radiohead, an alternative rock band, built a website where fans can obtain the mp3s for free, or for a donation. Nine Inch Nails' Trent Reznor made a similar site. The music industry's unsuccessful lawsuits and declining public image leads one to believe that thinking outside of the box and lower pricing may be more effective than bullying money out of mobile carriers and individual users. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Mallory McGuinness-Hickey is employed by debt collection agency <a target='_blank' href="http://www.rapidrecoverysolution.com">Rapid Recovery Solution </a> and writes free lance pieces on financial news. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-74320217306190059122010-01-15T00:13:00.001-08:002010-01-15T00:13:26.420-08:00How To Get Mortgage Loan Assistance?<div style='font-style:italic;' class='uawbyline'>By John Goldman</div><br /><div class='uawarticle'>US Government provides a variety of loans for individuals and one of them is the mortgage payments grant. This grant is beneficial while you are paying up the mortgage installments. <br /> <br /> This is a most important kind of the accommodation grants. Even when individuals are in search of a fantasy home, mortgage payment grants should be always sought so that a position of monetary instability doesn't arise. This state has taken an immense rise in the current history and government and the financial institutions have united hands to take this business ahead.<br /> <br /> US Government has made the detailed procedure very easy and the interest rates with which you purchase your property will be reduced if you have been approved a mortgage payment grant.<br /> <br /> The government funds are almost around $140 million in the home grants so that people can bring out the tasks in a faultless way and take pleasure in owning their property. <br /> <br /> Ways in which mortgage payment grants assist you:<br /> <br /> These kinds of accommodation grants are exceptionally useful to pay off the mortgage installments. You can apply for either the down payment grants or the mortgage payment grants. <br /> <br /> Many inhabitants can afford to make a guaranteed amount of down payment and therefore, they need certain negotiation in the installments that are paid thereon. This grant can help you prevent a condition of foreclosure and your property won't be sealed. <br /> <br /> An individual tries to purchase a property that is not within his/her purview and then finds difficulty in paying of the installments. This can be prevented easily if you plan your purchase in a desired manner and apply for a grant on the payment of the mortgage. Each time you acquire a property, you mortgage either the same part or some other asset with the lender so that it performs like a security for the advance that is being on loan. <br /> <br /> After making the lump sum down payment, you need to pay EMI's or quarterly installments in the repayment years. If you get federal grant for mortgage payments, your budget will not have to be altered too much and you will have some money left for other purposes too. <br /> <br /> The mortgage payments that are provided by the US government can assist those whose financial condition is not good. At times, when you get a Down-payment grant, you can also avail of the mortgage payment protection that will help prevent circumstances of bankruptcies and foreclosures. <br /> <br /> Mortgage payment grants for Organizations:<br /> <br /> There are number of charitable institutions and other foundations that are aided by the US Government. Apart from individuals, even numerous organizations and NGO's can avail of the grants and ascertain themselves.<br /> <br /> Government is investing completely in the housing sector to assist all classes of public own property. The institutions that are being run for social purposes stand a better chance of getting a grant issued as they are pursuing something that will contribute help in the overall advancement of the society. <br /> <br /> Mortgage payment grants are quiet useful to accomplish a state of monetary stability allowing you to count your blessings in the security of your own dear home. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>John Goldman is one of the foremost advisor in matters relating to Government Grants and Financial Aid. To learn more about government grants and how to apply for them <a target='_blank' href="http://www.governmentgrantusa.org"> visit the Government Grant USA website </a> </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-35973434391405850532010-01-14T00:49:00.001-08:002010-01-14T00:49:01.567-08:00Best Methods To Obtain Super Cheap Car Insurance<div style='font-style:italic;' class='uawbyline'>By Jim Hall</div><br /><div class='uawarticle'>It is very essential to obtain cheap car insurance because of current financial crisis and sky rocketing petrol prices. you should try to reduce the automobile insurance expenditure since you can certainly avoid it to some extent. One might feel that the car insurance company has all the authority and power to decide rate and premium. One can manage a lot if not all factors that decide insurance costs, from which company and what type of insurance policy you choose.<br /> <br /> There are three simple ways to obtain super cheap car insurance. They are as follows:<br /> <br /> <b>1. Judgment of several bad quotes</b><br /> It is a wide known fact that insurance premiums and excesses differ considerably from one company to other company. It thus pays or somewhat saves to do a little policy investigation. You will have to keep one thing in your mind that which is the cheapest insurance policy and how much coverage you will have to pay. One should always go for a package of best coverage and a vast rate. You should leave the insurance policy if you do not find it to be accurate. You will certainly find some of to be good and some of them to be bad. You will have to mention the marital status as well as the child and the driver addiction as well and not to forget the new car purchasing. The cheap car insurance will certainly have a great effect because of all of the above facts.<br /> <br /> <b>2. Improve your driving record</b> <br /> The best driving record without any traffic violations or road accidents is the best bet to secure cheap car insurance. The vital aspect that the insurance companies look is reducing risk as much as they probably can, and drivers with spotless driving record are usually considered to be a significantly lower risk.<br /> <br /> <b>3. Something to consider while buying a car</b><br /> You will certainly find the cars model very good for your car insurance. If a particular customer wishes to purchase a new car, it will make common sense to do essential study or research on the insurance expense connected with the new car you are willing to purchase.<br /> <br /> The car model certainly will have a very good effect on the car insurance scheme and you will certainly be able to get the best car insurance policy if you have the good car with you.<br /> <br /> Once you have found the car insurers then you will certainly have to look out for the best out of them and for this you will get the cheap quotes for coverage on your list of cars. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>If you want to get <a target='_blank' href="http://realautoinsuranceamerica.com/super-cheap-car-insurance.html">Super Cheap Car Insurance</a> then visit us and get more information about <a target='_blank' href="http://realautoinsuranceamerica.com/Inexpensive-Auto-Insurance.html">Inexpensive Auto Insurance</a> schemes out here. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-55703069286071821532010-01-13T00:40:00.001-08:002010-01-13T00:40:32.071-08:00Have You Filed? - Heavy Highway Vehicle Use Tax Return<div style='font-style:italic;' class='uawbyline'>By Veronica Carrillo</div><br /><div class='uawarticle'>If you are looking for a personal tax attorney, there are a few things you need to consider before hiring the first one that comes along. These attorneys have education and training that is specific to tax law. This allows them to distinguish themselves from other attorneys and allows them to provide service and represent their clients in a specific way. Here is a summary of what exactly a tax lawyer is. Tax attorneys can help you in many different ways. They can help you defend your rights when you are having a controversy in regard to your taxes. An example of this would be filing our taxes and then having the internal revenue service tell you that you have done something wrong. At this time, you would have to hire your legal help to help you get tax debt relief and remove any liens against your property or penalties that have been added to what you owe.<br /> <br /> For example, lawmakers in Sacramento have come up with a hybrid tax incentive to encourage businesses to make the switch from large, low-mileage behemoths to highly efficient gas-electric autos and trucks.<br /> <br /> Additional restrictions apply, however, before the interest is AMT-deductible. On home equity loans one must look to how the loan proceeds were used. If used to fix up or otherwise improve the primary residence, the interest is fully deductible for the AMT. If instead the money is used to buy a new car (a common way to get cheaper financing than a car loan), or other purpose not involving work on the residence, the interest is not deductible for the AMT.<br /> <br /> For example, assume $15,000 in interest on the first mortgage, and $2,000 of interest on the equity line of credit that was used to buy a new car. The total interest deduction for the Regular Tax is $17,000, yet for the AMT the deduction is limited to $15,000. That $2,000 is one of the items reported on the Form 6251.<br /> <br /> For Regular Tax purposes, a second home that will qualify for the mortgage interest deduction includes certain mobile homes or boats, in addition to the traditional single family home or condominium. For purposes of the Alternative Minimum Tax, however, only interest on real estate loans is deductible - interest on the mobile home or boat loan is not deductible for the AMT.<br /> <br /> Tax attorneys are one of the best friends you can ever have if you ever need to deal with the Internal Revenue Service. Depending upon the size of your problem, you may need to retain a tax lawyer to handle your particular situation. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Todo sobre <a target='_blank' href="http://www.ya-online-juegos.com">Juegos.com</a> para gente que le gusta jugar Encontrar un <a target='_blank' href="http://www.ya-trabajo-empleo.com">Trabajo Empleo</a> es fcil si sabe dnde buscar </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-17558322320449769352010-01-12T01:20:00.000-08:002010-01-12T01:52:19.024-08:00Buying A New Home: Nedbank Loans<div style='font-style:italic;' class='uawbyline'>By Tom Martens</div><br /><div class='uawarticle'>Buying a home is one of the biggest investments a person will ever make. That?s why you must take the time to shop for a home loan, do your research and make sure you find a home loan that suits your needs. You?ll want to use a qualified lender as well.<br /> <br /> Buyers want flexibility. Nedbank is dedicated to providing flexible home loans to their customers. Nedbank can tailor home loans individually to meet their clients. Whether this is your first home or your third, Nedbank is there for you.<br /> <br /> Nedbank home loans can be used to buy either an existing home or vacant land. Build the house of your dreams or move into one. Nedbank will finance between 70-100% of a vacant lot as well as cover 100% of the home?s value. A lot of this coverage falls under your credit history and the value of the property.<br /> <br /> Nedbank offers both fixed and variable interest rate home loans, as well as Nedbank Accelerated Payments, which enable the buyer to pay off their home loan faster than what is agreed upon in the home loan contract. Talk about a phenomenal way to say money on capital and interest.<br /> <br /> In order to qualify for a Nedbank home loan, you must be a South African resident with a good credit record. There are minimum monthly income requirements as well. Before you apply for a home loan, check your credit report. If there are any errors, contact the credit bureaus to have them removed.<br /> <br /> You can also pay down high credit balances to increase your score. Remember, lower interest rates are only offered with high credit scores. Also set aside two to three months of incomes for the first few loan payments, which is known as reserves.<br /> <br /> Buying a home means paperwork, too. You will need proof of identity, income verification, bank statements and the offer to purchase agreement. Make sure you have all the necessary documentation gathered before you apply for a home loan in order to speed up the process and not delay. A delay could cause you to lose out on your home purchase.<br /> <br /> Home loans require monthly payments, which are calculated beforehand. They will fluctuate or remain fixed, depending on the type of loan you have.<br /> <br /> When you are ready to purchase a home, make sure you see a qualified lender. They can review your situation, answer any questions you might have and develop a home loan proposal to meet your specific needs, while putting you on the path to a new home. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Tom Martens is the content coordinator for South Arica?s leading <a target='_blank' href="http://homeloans-southafrica.co.za/">Homeloans</a> portal which amongst others offers<a target='_blank' href="http://homeloans-southafrica.co.za/"> Bond origination</a> services for all major banks. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-58445737919295552352010-01-11T00:34:00.001-08:002010-01-11T00:34:21.790-08:00Learning About Real Estate Agents<div style='font-style:italic;' class='uawbyline'>By Tara van Millar Tara Guernsey Tara Kerr Tara Reid</div><br /><div class='uawarticle'>Realtors are professionals that help buyers and sellers connect. A lot of Realtors also assist with rentals. They connect tenants with landlords and sometimes will maintain a property for the landlords. Realtors work by connecting together the two parties and charging a commission to help bring the deal together.<br /> <br /> For sales, they charge commission to the seller but for rentals (i.e. agent managed rentals) the commission is charged to the landlord often inthe amount of one months rent or something as which is suitable. Real Estate Sales Representatives will often calculate their fee as a percentage of the selling price and as part of the rent when the property is a lease. Those who want to sell their property will leave details regarding the property with the Realtor (and in fact, even leave the keys of the house so that the real estate agent can arrange showings). The other interested party (i.e. the buyer), gets access to this information by contacting the real estate agent or buy looking online. That's how the Real Estate Sales Representative becomes a hub of property information.<br /> <br /> A lot of home buyers and investors use the services of Realtors for getting good deals but also getting information on the newest properties available. Realtors are the most familiar with the market situation and it makes sense to approach them to get an idea of the current market value for properties in that region. Realtors know the prices of various properties types in various locations and are always able to give a Current Market Evaluation to determine what a property might be worth.<br /> <br /> A home owner thinking of selling a property can get often get several thousand more for a property when following the advice received from a good Realtor. A good Realtor will also look at and follow the needs of a home buyer and try to make suggestions on the type of property that could be available within their budget.<br /> <br /> So a great real estate agent will not only throw out a list of current properties for sale to the buyer but will actually determine the needs and make suitable suggestions. This works to the benefit of both the client and the real estate agent. Firstly, if the Realtor is able to sell the house they get a commission and secondly, if the Realtor makes the buyer happy they earn a good reputation.<br /> <br /> However, it is worth noting that real estate agents work on seller's behalf. So, beware if they are trying too hard to sell a property. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>You can find great properties and properties in the Quinte area by looking on <a target='_blank' href="http://www.taralyons.ca">Quinte Real Estate</a> </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-2295970156720772032010-01-10T00:07:00.000-08:002010-01-10T00:22:17.652-08:00Making Good Medical Choices<div style='font-style:italic;' class='uawbyline'>By Ethan Kalvin</div><br /><div class='uawarticle'>There are many things that you can do to help secure a good future. There are no guarantees of course but there are many positive ways to point yourself in the right direction. There are some important things to tell you children too when it comes to thinking about the future. Too often people don't realize that there is so much that they can give their children from their life experience. You don't know what will happen, but you can take steps to make sure that some things don't go wrong. You can plan, educate, and protect.<br /> <br /> So, you are wondering what are the best things that you can do for your future. You need to educate yourself first of all to the possibilities and pitfalls of life. This is also what you need to educate your children in. Some people never realize all that they can strive for. So maybe what you need to say is not your children but all children need to be educated in all aspects of life.<br /> <br /> Education is king. If you want to understand more then you need to study. School is good but you need more than that. You need to study human nature. You will get a lot out of reading. It will improve vocabulary, give insight into different cultures and show how peoples lives unfolded. Biographies are great for seeing history and seeing how great people accomplished things. Frugality and caring is important too. If you teach a child to save money that will follow him into adulthood. If you teach a child to care then he will be less likely to cause harm as well.<br /> <br /> Some pitfalls are more easily avoided than others. You have no control over your health other than taking care of yourself and not doing stupid things that are obviously bad for you. You can protect yourself from unexpected health related things by getting health insurance and taking advantage of all the benefits. Go in for all those regular checkups and go see your doctor when you think you should. Health insurance will protect you by catching any illness in the beginning and by covering the cost if you end up in the hospital because of some accident.<br /> <br /> You can do a lot to get your future pointed in the right direction. Instilling positive values about finance in your children will go a long way. Providing your family a safety net in the form of medical as well as life insurance could possibly be the thing that saves them from disaster. All together it is the beginning of a pretty good plan of life. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>It may seem tough to find affordable <a target='_blank' href="http://www.gohealthinsurance.com/individual-health-insurance.html">individual health insurance</a>, now a days, however there is a solutions. check out www.individualhealthquotes.com and you can obtain <a target='_blank' href="http://www.gohealthinsurance.com/quote.jsp">health insurance quotes</a> from multiple companies at one time. </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-79659549074213487272010-01-09T00:57:00.000-08:002010-01-09T01:56:17.655-08:00What Is The Importance Of Minority Grants?<div style='font-style:italic;' class='uawbyline'>By John Goldman</div><br /><div class='uawarticle'>US Government has in fact lots of responsibilities to provide some useful facilities for their citizens. There are different citizens which are actually part of the huge population that exists and may vary according to several characteristics. These individualities normally include geographical and racial characteristics too. <br /> <br /> Individuals' belonging to the minority class of this vast population needs special attention and sources from which most of the people benefit There are numerous minority groups in United States and they are classified into different groups which include Native Americans, Asian Americans, African Americans and Hispanics Americans. <br /> <br /> In fact, minorities in United States make an important part of the population particularly when they are classified into just one group. But these minorities usually suffer from several disadvantages which exist due to the economic, cultural and few other reasons. <br /> <br /> Majority of these minorities are immigrants who did find it difficult to incorporate into the American community due to theirs hardships mainly with language and other factors related to American life. Despite these disadvantages minorities are still the part of the American residents and ought to have the benefits most of the majorities enjoy. <br /> <br /> There are numerous minority grants which are kept at the disposal of the minorities. A few of these minority grants help precise minority groups from a special background while other grants benefit to minorities in nearly all cases. In a set of circumstances these grants prosper an individual minority class then it is not completely distinct from other kinds of minority grants. <br /> <br /> For instance, grants provided to African American would be meant for schemes and projects which would benefit that particular minority group as a whole. A government grant actually ensures that people from these racial backgrounds get to benefit from this kind of financial support. <br /> <br /> Consecutively, to benefit from these grants that are particularly meant for specific minority groups applying for these grants can fulfill their personal requirements. People applying for these grants have to be US citizens as these grants are not provided to those people who are not US citizens. <br /> <br /> A government grant generally resolves number of monetary difficulties for large number of individuals. These numerous requirements range from points which are assorted to learning, fitness or accommodation grounds. Government grants may benefit for various reasons and for lots of reasons however the main cause for providing these grants is to manage the living standard of these minorities living in US not considering to wherever they stay in the country. <br /> <br /> By humanizing the living standard of the minority class in America can in reality lead to extra spending by the minority class. Learning grants for minorities for example are given to assist students of this group and also for better education prospects in future.<br /> <br /> So, providing better learning potentials to these minority students can direct to privileged paying job opportunities and therefore to high income tax for the US Government. Ultimately, these increased monetary help for minorities and the enhancement in tax revenues for the government completely assist to boost the US Economy. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>John Goldman is one of the foremost advisor in matters relating to Government Grants and Financial Aid. To learn more about government grants and how to apply for them <a target='_blank' href="http://www.governmentgrantusa.org"> visit the Government Grant USA website </a> </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0tag:blogger.com,1999:blog-1638218841527710982.post-14204212918044026972010-01-08T01:09:00.000-08:002010-01-08T02:14:59.966-08:00Why Car Insurance Is a MUST!<div style='font-style:italic;' class='uawbyline'>By Graham McKenzie</div><br /><div class='uawarticle'>Buying a car, especially your first, is the second largest purchase you will ever make following a house. It's hard to think about it in that manner, because it suddenly raises the flow of your blood and you begin to think about how important your vehicle is to your assets. Is it well protected?<br /> <br /> The law requires that every car on the road fall under basic or compulsory insurance. The law requires this insurance in the event of an accident where you are at fault with other vehicles. Your insurance will cover the damages done to other vehicles in the accident. The insurance will not cover your vehicle because you were responsible.<br /> <br /> The law requires that every car on the road is insured, which leaves you no choice but to take out compulsory insurance unless you want to get fined or imprisoned heavily for ignoring the insurance. Compulsory insurance only covers the other vehicles involved in the accident if you are the one held responsible for the accident.<br /> <br /> When accidents do occur, they are often deadly and tragic. The vehicles are usually demolished and totaled, and if fixable, they will cost a lot of money!<br /> <br /> Of course you do not. But people will refer to you as stupid if you go out, are involved in an accident, and now have no means to cover the damages. Now you are walking or biking to work.<br /> <br /> However if you are covered by comprehensive car insurance, the damages are covered by the insurance agency.<br /> <br /> Insurance premiums are not extortionate; instead they are calculated on an annual basis and should run at about 6% of the replacement value of your car.<br /> <br /> If you are buying your first car, this is especially important. Chances are you are young and somewhat inexperienced as a driver. Comprehensive coverage will protect your vehicle from one minor mistake you might make or from theft, especially if your vehicle contains a lot of desirable goods for thieves.<br /> <br /> If you are young you are going to pay a lot. Comprehensive car insurance also covers your vehicle in the unfortunate instance of a car theft.<br /> <br /> As you can see, ignoring comprehensive car insurance is a grave mistake. Save yourself the hassle and spend a little extra every year on your insurance policy. - 29970</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Graham McKenzie is the content Syndication Manager at <a target='_blank' href="http://www.insurance123.co.za">Insurance123.co.za</a> South Africans leading <a target='_blank' href="http://car.insurance123.co.za">car insurance</a> information portal </div><br /> </div>judesterhttp://www.blogger.com/profile/08148632144058566737noreply@blogger.com0