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Car insurance premiums rise year after year,Although your car insurance premium largely depends on your Car, Age and discount there are a few steps you can take to help stop the rise or even reduce your premium.

1. Buy from the internet.

Most companies offer a discount for online applications as this is automated process and costs them a lot less to process your application, you can usually see discounts of 5%-10%.Click here to get a instant online insurance quote

2. Shop around.

All insurance companies use different formulas to calculate your insurance premium by adding or detracting money after each question the ask you.By shopping around you could find big savings on your insurance premium.

3. Buy extra products.

Most insurance companies also do other insurance products ie”Building’s and content’s insurance”.Most insurance companies will give extra discounts for purchasing more than one product,by doing this you could save a fair amount on all your insurance premiums.

4. Pay your insurance premium in one go.

By paying your insurance premium in full you can avoid paying costly interest charges that would be added if you paid your insurance premium by instalments.Some insurance companies may charge as much as 15% APR on instalments.You may even receive a discount for paying in full.If you can not afford to pay in full check out what rate a small loan would be you may still save some money.Fill out a online loan application.

5. Increase your voluntary excess.

Your excess is the amount paid by you in the event of a claim,by increasing this your insurance company should reduce your premium.

6. Lower your annual mileage.

Lowering your annual mileage can reduce your premium,most insurance companies will quote you for around 12,000 miles a year.Try and work out how many mile’s you will do if it’s likely to be less you may get a discount.Be honest about this as your insurance company may ask to see old MOT’S and service history to verify your mileage in the event of a accident.

7. Have a Alarm,Immobiliser or Tracker fitted.

Theft of and from your vehicle play a major role in the calculation of your insurance premium.Having a alarm or immobiliser fitted will give you a small discount to your premium and having a tracker fitted could make you quite a saving.

8. Take the advanced driving test.

Passing your advanced driving test will show your insurance company that you have extra skill when driving and are less likely to be involved in a accident.

9. Don’t inflate the value of your car.

Adding extra value to your car when you apply for your insurance quote will do nothing for you apart from increase you premium.In the event your car is stolen or written off you will only be paid the market value of your car at the time of your accident.

10.Look after your credit rating.

Insurance companies are now looking at your credit score as part of the calculation for your insurance premium.Maintaining a good credit rating could avoid unnecessary additions to your premium.

11. Insure your car Third Party Only.

Third party only is the minimum cover you are required to have by law it’s also the cheapest.If your vehicle is of a low value then you could consider this type of cover.You need to remember that with this type of cover if you was to have a accident that any damage to your vehicle would not be covered for repair.

12. Keep a clean licence

Insurance companies take driving convictions very seriously and can dramatically increase your car insurance premium,by maintaining a clean licence proves to the insurance you are a safe and careful driver.

13. Remove any unnecessary drivers.

If you have a young driver on your insurance policy that no longer use’s the vehicle you should remove them as this will reduce your premium.

14. Young driver’s add a older driver.

Some insurance companies will reduce young drivers premiums if they have a older named driver on the insurance.

15. Build up your no-claims discount

One of the biggest factors affecting your car insurance premium is the number of years no-claim’s discount.You could receive up to 75% discount for around 5 years of no claims.The more years you can stay claim free the safer driver your insurance company will see you as.

16. Protect your no-claims discount.

Although this will increase your insurance premium if you have a lot of years of no-claims you may want to protect this as a small claim may increase your premium by up to 75%.

17. Buy a lower insurance group car.

A very important factor to your insurance premium is what car you drive.Most insurance companies adopt the Association Of British Insurance Group Rating.This rates vehicle’s from 1 – 20 generally speaking the higher the group the higher the premium.By buying a car with a lower group rating can lower your premium especially for young or inexperienced drivers.

18. Join a car club.

If your vehicle is a classic or specialist consider joining a club related to your car most clubs offer insurance schemes which have very good premium rates.

19. Put your spouse as a named driver.

Some insurance companies offer discounts when you add a spouse as a named driver as opposed to unmarried couples,they see marriage as a sign of stability and associate stability with safe driving and there for give you a discount.

20. Take pass plus.

If you are a new driver consider taking your pass plus.some insurance companies could give you as much as a 25% discount and when you have just passed your test and have no no-claims this could make a considerable saving.

 

When getting loans you should always understand what you’re getting yourself into before you sign up. So here are 4 important facts you should know about consolidating student loans.

Fact 1: Same Interest Rates For Everyone At The Start

All federal student loan consolidation rates must start with the same rates that are suggested by Congress every year. Student loan consolidation companies are required to give everyone the same federal rates

Fact 2: You Save Money On The Benefits

If it’s your first time consolidating your loan then the real savings are in the benefits and discounts of signing up.
Standard benefit: 0.25% off your rate for using automatic checking account withdrawal.

Standard benefit: 0.6% off your repayment rate if you consolidate in your grace period.

Extra benefit: if you have more than $20,000 in federal student loans, 1.0% off after your first 36 on time payments.

Ok let’s start with a scenario, of $25,000 in federal Stafford loans and your rate before 1 July 2006 is at 3.37%. If you’re still in your grace period (6 months before your payments start only for graduates) you’re rate will decrease to 2.875%.

Automatic checking account withdrawal will reduce is further to 2.625% and after your 36th on time payments your rates will drop a further 1.0% to a new low of 1.625%. This is how the benefits of student loan consolidation really works and it really saves you a lot of money.

Fact 3: Read The Fine Print Before You Sign Anything!

Some loan companies will give you a list of borrower’s benefits for signing up with them. For example if you make 24 on time payments you’ll get 1% off which is great but in the fine print it’s only available for loans above $50,000. Statistically, only 17% of all graduates will have a loan debt this high so it’s not advised to sign up with this particular company.

Other companies give even better benefits like 2.5% off your rate but they’ll only give you a grace period of 3 days. That’s not going to work because what happens if your mail got delayed or worse you didn’t check your mail? It means that you’ll loose your benefits so be careful and always read the fine print.

Fact 4: Good Customer Service Is Important

Some student loan companies will do anything to make you call them but when you do you find yourself lost because some companies don’t train their phone staff well and they fail to answer simple questions. So when ringing up loan companies make sure they are well versed in their products and they know their products and rates. Also make sure that when you wait on the phone for a consultant, that you don’t wait too long like 1 hour because it could mean they are under staff or they are taking on too many applications at one time which means they might not always be able to take your call after you’ve sign up.

I hope these facts will help you in your decision and may you have a successful time finding the best student loan consolidation company.

Day trading the stock market involves the rapid buying and selling of stocks on a day-to-day basis. This technique is used to secure quick profits from the constant changes in stock values, minute to minute, second to second. It is rare that a day trader will remain in a trade over the course of a night into the next day. These trades are entered and exited in a matter of minutes.

The main question that most people ask when it comes to <a href=”http://www.rockwelltrading.com/daytradingcoach/01_dtc_landing_page.html”><b>day trading</b></a> is simple: ‘is it necessary to sit at a computer watching the markets ALL day long in order to be a successful day trader?’

The answer is no. It’s not necessary to sit at a computer all day long. There are a number of factors to consider, but generally the rule of day trading is to trade when everyone else is trading. In other words, trade in the morning.

As with all financial investments, day trading is risky – in fact, it’s one of the riskiest forms of trading out there. The stock prices rise or fall according to the behaviour of the market, which is entirely unpredictable. Day traders buy and sell shares rapidly in the hopes of gaining profits within the minutes and seconds they own those particular stocks. Simple to do in theory, harder to do in practice.

If you are constrained by a small amount of capital, you may not be able to buy large amounts of a stock, but buying only a small amount can add to the risk of a loss. And, obviously, it is impossible to predict with certainty which stocks will result in profits and which in losses. Even the best of traders must learn to accept both outcomes.

It’s also important to know that in day trading, it is the number of shares rather than the value of shares that should be the focus. If you day trade, you WILL face losses, but even for the more expensive stocks, the loss should be marginal, because prices do not usually fluctuate to an extreme degree over the course of just one day.

The day trading industry deals in a large variety of stocks and shares. Here are just a few:

Growth-Buying Shares – shares made from profit, which continue to grow in value. Eventually, these shares will begin to decline in price, and an experienced trader can usually predict the future of this type of share.

Small Caps – shares of companies which are on the rise and show no signs of stopping. Although these shares are generally cheap, they are a very risky investment for day traders. You’d be safer to go with large caps and/or mid-caps, which are much more secure and stable thanks to a premium.

Unloved Stocks – company stock that has not performed well in the past. Traders buy these shares in the hopes of generating profits if and when the stock rises in value. As with small caps, unloved stocks can be a risky choice for day traders.

These examples are NOT your only options when it comes to day trading stocks. The best way to determine which type of stock is right for you is to invest some time for careful research, a knowledge of market patterns, a solid strategy, and a disciplined trading plan.

The key to successful day trading is to be prepared. Know as much as possible about the industry before you begin actually trading. You need to learn to trade ONLY when the market gives the right signals, and ONLY when the volume of activity in the market supports a successful

In the years that a baby is born, the parents will already raise the kid to do certain things. This includes toilet training, cleaning up after playing and enjoying certain sports that are shown on television.

There will come a time that the kid will not only want to watch but also learn to play that sport. There are clinics that can teach these skills but the first thing the parents must get is the right sports apparel for the kid.

For basketball, the player will need the proper clothing and the right footwear.

The clothing is easy because this is only getting a top and a pair of shorts. Those without sleeves are much better since this allows better movement when dribbling the ball or taking those shots.

The fabric should also be able to absorb sweat so that it isn’t that heavy when the player is on the move.

The next is shoes. The person will surely notice that there are a lot of brands on the display shelves in the store. The customer can choose from New Balance, Nike and Reebok among others that will do well in the basketball court.

The other accessories that are minor are a good pair of socks. This will help the person absorb the impact of jumping into the air and landing back on the ground.

Some people are not contented with the plain colored shirt that is available in the store. In order to be like the stars, it helps to dress like the stars. Some sporting goods store such as City Sports or Footlocker may have this but if the price is a bit expensive, then its time to look in other places.

There could be an outlet store selling the same or similar item. This could be a long drive but the customer can probably get two or three for the price of one in a regular establishment.

Another place is the Internet. The individual can also check out some online stores that are known to sell these at discounted prices. It is best to get right measurements first since it will be hard to change should this not fit.

Kids can have more fun in learning and playing a sport by wearing the right apparel. This will help prevent injuries and perfect the skills of the individual that could help make this person a star in high school, college or even in the professional league.