How To Save Money On Car Insurance

29. February 2012 · Write a comment · Categories: Money Investing · Tags: , ,

Article by Bill Funder

Many drivers over the age of 25 remember taking drivers training in high school before they qualified for their learners permit then their driver’s license. One of the things that should have been taught during drivers training in high school was how to get cheap automotive insurance. Sadly that is the topic wasn’t taught during drivers training and many drivers are paying for it today with the expensive cost of insurance premiums they are paying every month.

How To Save Money On Auto Insurance

Saving money on your current car insurance policy and even finding a cheap insurance policy for your vehicle is actually a lot easier than you think. Here are ten things that can help you start saving money on auto insurance this month. 1. Secure your car with a theft detection device. 2. Park in a garage at night. 3. Move to a safer neighborhood (if possible). 3. Pay a higher deductible. 4. Pay for the year up front instead of monthly. 5. Pay your premium on time when it’s due. 6. Always ask for discounts. 7. Bundle your car insurance policy with other insurance products that the same company has. 8. Maintain good credit. 9. Stay loyal and get to know the people In your insurance company. 10. Always maintain a clean driving record.

Did You Know?

Some of the things that most car insurance companies will never tell you are: 1. Higher profile, expensive cars cost more to insure than more affordable mid-sized cars. 2. The color of your car can also make your vehicle cost more to insure. 3. The condition of your vehicle will also affect the insurance price. These are just a few things your insurer probably never told you and if you’re more knowledgeable when speaking your insurer especially the next time you go for a new policy you will be better informed and more prepared.

Bill is a consumer journalist. He believes in bubble baths, red wine and cheap car insurance. He lives in North Carolina with his dog Regis.










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28. February 2012 · Write a comment · Categories: Money Investing · Tags: ,

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Ten Money Saving Tips

27. February 2012 · Write a comment · Categories: Money Investing · Tags: , ,

Thousands of people are becoming budget conscious everyday. In the current economy, it’s the wise thing to do. If you want to gain financial freedom, then having a good plan for saving money is critical. Here are ten money saving tips that you may not have thought of in the past.

Use Cash

Forget about your credit cards and use cash instead. You will avoid interest fees and it will help you fight temptations to making unnecessary purchases.

Trade In Unwanted Electronics

National retailers like Bets Buy, Costco and Sears have trade in programs. Some will accept Apple Ipods, Apple laptops, mobile phones and PC laptops and let you have gift certificates to use for new purchases.

Compare prices

Price comparisons help you save when grocery shopping. Use the Internet to do your best comparison shopping. Sites like groceryguide.com and mygrocerydeals.com allow you to compare prices in grocery stores that you shop at, saving you both time and money.

Research Your Insurance Coverage

Before buying insurance for you or your loved ones compare and analyze your risks in the insurance you are currently paying for.

Do you have enough to cover you in case of catastrophe? Make sure you are well covered to protect you from exorbitant losses. Meet regularly with your insurance man to discuss your protection.

Pay Insurance Yearly

You can avoid paying monthly fees if you pay annually. Every little bit of savings helps. Figure out how much you can save yourself by paying annually.

Use Coupons

If you add up the savings you get when using coupons, you may be surprised at how much difference they make. Check your local papers, magazines or surf the net for printable coupons.

Remember to check the fine print for any special rules that may apply.

Use Online Alerts

Many companies have an automated email alert system that will notify you of sales coming up for the products you normally buy. You can subscribe to money saving newsletters. You will be notified about amazing deals and discounts through email. Travel package deals are sometimes only available through specials advertised through email.

Walk More Often

Are there places you can get to by walking instead of driving? If you make it a habit to get exercise by walking places you would normally drive, you end up doing two good things for yourself. Save money on your gas expenses and your gym expenses. Maybe you’ll be able to give up an expensive gym membership with your new exercise plan.

Avoid Impulse Buying

Most retail prices are lowered to get you do buy things you weren’t planning on. So sometimes even though items are on sale, they may not be a good purchase for you. Impulse buying expensive items because they are on sale has risks that come along with it. Postponing purchases can give you extra time to make sure that you really want the item and that you can really afford it.

Keep Learning New Ways To Save

There are a lot of Internet sites devoted to helping you budget and save money. Read those often to keep yourself alert to new money saving tips. Before you know it, you’ll be a regular saver and will start enjoying the benefits of your planning.

Order cheap checks or business checks online and save yourself some money. Prices are up to 50% off regular bank prices. You have thousands of designs to choose from.

Hey everyone! Here are some money saving tips. I know a lot of people are finding it hard with tight budgets and everything, so here are some things you can do. They all wont work in every situation, but try them out this month, and see what you think! Don’t forget to write below what your suggestions are! Follow me on twitter: www.twitter.com/jazzgirl555 xoxo -jg

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Investing in Bonds Correctly

26. February 2012 · Write a comment · Categories: Money Investing · Tags: , ,

Article by Arthur Kaplan

It’s a common misconception to think of bonds as “plain-vanilla” investments that are appropriate only for certain types of people, such as financially conservative retirees. But in reality, bond investments may have the potential to add stability to a portfolio and help reduce overall investment risk – regardless of your age or financial outlook.

What Is a Bond?

Bonds are investment securities issued by corporations or governments to raise money for a particular purpose. Basically, bonds are the “IOUs” of the business world. There are different types of bond funds, each with varying levels of risk and return potential. Generally speaking, the higher the risk, the better the return potential. For example:

Government Bond Funds are mutual funds that invest in bonds issued by the U.S. Treasury. For that reason, they tend to be among the safest types of bond investments. However, they typically offer lower returns than other bonds.

Corporate Bond Funds invest in bonds issued by private companies. They can range from “investment grade” (safer, lower return potential) to “below investment grade” (riskier, higher return potential).

Know the Risks

Bond funds are subject to several types of investment risk, including:

Market risk – Like stock prices, bond prices move up and down. However, such fluctuations tend to be less severe in the bond market.

Interest rate risk – when interest rates rise, bond prices may fall, and vice versa.

Inflation risk – if the return on a bond fund does not outpace the rising cost of living, the purchasing power of your investment could decline over time.

Managing Risk

Despite these risks, investors may want to consider the potential benefits from putting some money in bond funds. Because bond funds tend to respond to market influences differently than stock funds, they may help balance out the risks associated with stock investing.

In addition, lower-risk bond funds, such as government and investment-grade corporate bond funds, may help protect some of your money from losses during turbulent times.

Government bonds and Treasury Bills are guaranteed by the US government and corporate bonds are guaranteed by their corporate issuers as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.

The market value of bonds will fluctuate and are subject to availability. If the bond is sold prior to maturity, the investor’s yield may differ from the advertised yield.

Mutual funds are offered with a prospectus. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. You can obtain a prospectus from your financial representative. Read the prospectus carefully before investing.

Pay It Forward … Learn. Understand. Profit.

KappaTrade, the most informative professional financial market news analysis provider, gives you daily stock picks on the NYSE, NASDAQ, and OTC, free newsletters with financial insights, Level I & II stock quotes, and online tools for educating our subscribers in basic & advanced investment trading.










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24. February 2012 · Write a comment · Categories: Money Investing · Tags:

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