Business to Learn: March 2008

Monday, March 31, 2008

Bisnis Portal

Purpose and History of Bankruptcy in the United States

Posted: 30 Mar 2008 05:13 AM CDT

Bankruptcy is a declaration by a borrower of his or her inability to pay his or her debtors that balance that is owed. Companies can also declare it though it is usually declared by individuals whose debt has become overwhelming.

The main purpose of bankruptcy is to give a debtor a sort of fresh start by relieving him of most of his debts or to pay back his creditors what he can, though he might not be able to pay back everything. It usually allows people to be relieved of their legal obligation to repay most of their debts by submitting any non-exempt assets to a bankruptcy court so that the court can then distribute those assets among the accounts that are still owed money.
There are two forms declaring yourself bankrupt. The first kind is liquidation in which all of the person’s non-exempt assets are sold off in an attempt to settle debts with creditors. All of the other forms fall under the reorganization category, which is when the person or company is given an opportunity to restructure his or their assets and debts to better pay everything off. Typically creditors take a portion of the person’s income. Many businesses enter into reorganization to stay in an operating capacity.

In the United States, bankruptcies are under Federal jurisdiction by the Constitution as declared in article one, section eight of the Constitution. This article states that Congress can enact “uniform laws on the subject of bankruptcies throughout the United States.” The implementation of these laws, however, is found in statute law. These statutes are incorporated into the Bankruptcy Code which is found at Title Eleven of the United States Code and then is subject to state law in instances that the federal law is not sufficient to cover the circumstances of an individual’s case.

The United States requires all bankruptcy cases to be filed in the United States Bankruptcy Court, which is adjacent to the United States District Courts. These cases are very dependent upon individual state laws, especially when dealing with exemptions and claims. Because these cases are so dependent upon state law, bankruptcy is not usually recognized in more than one state at a time.

The United States has six types of bankruptcy:

Chapter Seven: liquidation for businesses and individuals Chapter Nine: municipal Chapter Eleven: reorganization and rehabilitation, usually used by businesses though it can also be used by individuals. Chapter Twelve: rehabilitation for fishermen and farmers Chapter Thirteen: rehabilitation that comes with a payment plan for people who have a regular income source Chapter Fifteen: for international and ancillary cases.

The most common chapters to be filed are chapter seven and chapter thirteen, and chapter thirteen is favorable to chapter seven in that an individual can keep his assets but is required to devote some of his income to the repayment of his debt, which is spread out over a period of three to five years. There are some who believe that bankruptcy does not actually benefit individuals and that credit counseling is better.

Saturday, March 29, 2008

Bisnis Portal

Facts About Diamond Appraisals

Posted: 28 Mar 2008 05:14 AM CDT

If you are planning to invest in diamonds, you’ll need two things: (A) a thorough knowledge of diamonds, and (B) diamond appraisal services. The latter is particularly important in determining the value of and diamonds you are planning to purchase, and should be performed by a party that is independent of any diamond wholesalers with whom you are considering transactions.

This can be challenging, because the entire diamond industry is controlled by a handful of corporate entities throughout the world. It may take a bit of detective work, but the time and trouble taken to locate and secure independent diamond appraisal services can be well worth it when it comes to insuring the value of your investment in loose diamonds.

What Are “Loose Diamonds”?

Simply put, loose diamonds are just that - diamonds that have not been placed in a setting, such as a ring, bracelet, necklace or other type of jewelry. Investors and diamond dealers usually purchase these from diamond wholesalers, either as a hedge against inflation or for use in the manufacture of retail commercial jewelry.

Diamond Appraisal and Lab Analysis

These diamonds are cut and ready for mounting, and the quality of this cutting work can have a great effect on the value of such stones. A certificate from a gemology laboratory can provide a great deal of objective, quantifiable information about diamonds, including:

- carat (basically the weight and mass of the stone; a carat equals 1/5 of a gram) - grade (the overall quality of the stone in terms of color and clarity) - dimensions - quality of the cut and shape of the stone

Such a report, while important, does not necessarily determine the value of diamonds however.

In contrast to a lab report, a diamond appraisal determines the market value of the stones. Essentially, a diamond appraisal is required in order to place a dollar value on the stones, particularly for insurance and marketing purposes.

While the lab report contains information that remains constant, a diamond appraisal can change depending on numerous factors, not the least of which is market conditions. Due to currency fluctuation and exchange rates, diamonds may command a greater price in some parts of the world than others. Should stones be re-cut, this can also affect the value.

It’s a good idea to keep all of this in mind whether you are an investor or are among the diamond dealers seeking stones for commercial jewelry settings.

Avoiding Conflict of Interest

It may seem obvious, but it bears repeating: do not, under any circumstances, have your stoned appraised by the diamond wholesaler. While most are reputable and adhere to ethical standards, it is human nature for a merchant to place an elevated value on his own wares. An independent appraiser with nothing to gain but his own standard fee will provide much more reliable figures.

Friday, March 28, 2008

Bisnis Portal

The Stock Trading Robot - Is Marl All That He’s Cracked Up To Be?

Posted: 27 Mar 2008 05:15 AM CDT

Marl, The Stock Trading Robot, contrary to what it’s creators would have you believe is not unique. There have been automated trading systems for years on the internet, be they in Forex or the stock and bond markets. What is different about Marl is the way in which stocks are analyzed and the information relayed. I’m sure many of you (much like myself until a few years ago) possessed a very rudimentary knowledge of investment strategy and terminology. To me the stock market represented the boring few seconds before the newscaster got to sports. However, I now know that with a solid knowledge of the market and a tool like the stock trading robot the market can be a powerful money making tool.

What Exactly does Marl do?
When I first heard of the creation this was the first question on my mind, and at first the answer seems quite straight forward; Marl analyzes penny stocks. In essence, this is true however I feel that it is important to explain how exactly the process happens. It analyzes a stock’s trading patterns and looks for patterns using mathematical algorithms. Let’s say that company XYZ for a 7 day period of time traded at either +/- $0.50 of it’s beginning week value. Marl breaks down the trading record and determines at which points the stock peaked, and the points where it’s value declined. By doing this it is able to tell you a time to buy or sell the security.

Right now you may be thinking that the Stock Trading Robot is your ticket to early retirement, and if this is the case, please listen to what I am about to tell you. Human analysts have been trying to predict the stock market since its inception over a century ago, and they are still no closer. Tools like Marl are certainly helpful, but the best way to have a long term healthy return in the market is to utilize a sound investment strategy. I have known many people who lost huge portions of their savings by simply putting all of their eggs in one basket. The penny stock market which The Stock Trading Robot deals primarily in is a volatile market.

It has the greatest potential, risk and also the greatest potential return. For your investment strategies I highly recommend that you utilize knowledge and all other tools that may be available to assist you. Is the stock trading robot one of these tools? From my own experience, yes it can be. However, you as the investor must exercise both prudent financial judgment and common sense when dealing with any security.

Thursday, March 27, 2008

Bisnis Portal

Surefire Way To Making Money With Affiliate Programs

Posted: 26 Mar 2008 10:37 PM CDT

Don’t have a web site? Don’t have a list of avid buyers? No problem.

Making money with web marketing is not pretty hard. It’s been said that 5% or less of net entrepreneurs make enough money to buy a reasonable dinner or a pizza. But those ‘wanna be web entrepreneurs are spending the dinner money, the food money and in a fewsad cases are going into burdensome debt attempting to discover the holy grail leading to six figure incomes.
I know, been there, done that, and don’t want to ever go through it again. It is humiliating to look your spouse or girlfriend in the eyes and say that I know I’m close to riches, I just have to discover that hidden secret. Or you prematurely quit your day job when the cash seems to be flowing only to findGoogle, Yahoo or MSN have altered their Adsense contextual ad algorithms or your Adwords account is draining your bank account faster than the Rooter Router man.

However, don’t give up the ship yet, it only is leaking a little water and with the correct bilge pumps you can stay cruising, at least, until aid arrives.

Before you leap from one wonderful sounding ebook, software or membership site keep asking yourself if it fits in with your overall marketing plan. Only then, if it does, should you invest. Jumping from “this is the key, to this is a winner” and other ‘can’t miss’ sales copy is the #1 reason that 95% of newbies/net marketers fail to make significant income on the web. Becoming easily unfocused is a absolute pathway to failure!

Hopefully you won’t have to keep looking for that magic potion if you follow some of these appropriate steps:

After the smoke clears the victors left are those that had:

1. Luck (where action meets opportunity) 2. Determination (you have be super-focused and not let distractions mislead your marketing plan for success) 3. Guts (having the intestinal fortitude to think ‘outside the box’. 4. Vision (if you don’t know where you are going you will flounder on the rocks)

Here is one simple way to make money with affiliate programs.

1. Discoverpopular products on clickbank.com 2. Create a bonus 3. Write copy that pre-sells, web blog or newsletter to earn cash with affiliate programs. All it takes is a marketing plan and ACTION!

Getting The Best Stock Market Investing Guide

Posted: 26 Mar 2008 05:15 AM CDT

Now more than ever, online stock trading has become easy and accessible to beginners in the field. Online information and short courses on how to trade online are being offered by some of the most reliable sources for stock investment.

The best way to learn online stock trading is getting a good and reputable stock market investing guide. For this, you’ll need to sign up with an online trading firm. There are many online firms that offer free account registration. What matters is that you won’t be left on your own, once you’ve started. Here are some tips to picking a reliable stock trading site as your stock market investing guide:

Trustworthy online trading firm should not only instruct you the tools of the trade, but it should also be your online stock market investing guide.
Any online trading firm would want to have you sign up with them because it is profitable for them that you do. But there are many fraudulent online firms that would not hesitate at taking advantage of your investments. One of the most common schemes these fraudulent sites would try is the “Pump and Dump” scheme. They’ll hype and inflate prices of stocks and then dump these on investors who have no idea what they’re getting into. So be careful when choosing which online trading firm you would want as your stock market investing guide.

There are a lot of online trading firms that cater to individual non-professional stock traders who want that hands-on approach in dealing with their investments. A great stock market investing guide is one who can show you not only the tools of the trade, but how you can keep track of your stock investments, as well.

Look for an online stock investing guide that offers its non-professional investors with online trading support services.

Don’t be taken in by online trading firms that say you don’t need to worry about your investment and that they’ll take care of everything. That’s not a sign of a reliable stock market investing guide. Always ask to take control of your investments. Look for a trading site that offers services like direct investment options, listings of independent stock news sources, as well as courses on online stock trading. These are signs that a stock trading firm not only wants you onboard, it will take care of you and your investment by acting as a trustworthy stock market investing guide.

The bloodline in every stock market move is information. When choosing a online stock trading site, make sure that the one you is updated and well-informed, particularly in the markets you’re interested in. There are sites that serve that offer vital stock quote data, charts, news and information. There are also other sites that cater specifically to the online trading community in terms of offering tools and applications that help beginners with stock analysis, streaming stock quote data, and other useful information.

Don’t rely on your stock market investing guide alone. Choosing a reliable online trading firm as your stock market investing guide is half of the work done. The rest is up to you. Once you get the hang of online stock trading investments you’ll be more confident in investing bigger stock picks.

Wednesday, March 26, 2008

Bisnis Portal

Forex Day Trading For Novices

Posted: 25 Mar 2008 05:16 AM CDT

Most newbie forex traders go for forex day trading as a basis for their forex trading strategy, as they see it as a low risk way to trade and an opportunity to make small regular profits. This article is all about day trading for novices and what they need to know.

The rise of online forex trading, tighter spreads and lower minimums has led to an influx of day traders and there are plenty of vendors offering day trading or scalping systems which claim to make big profits but there is a problem.
They all lose - because day trading by its very nature is bound to fail. If you see a day trading forex track record chances are it has a disclaimer on it like the following one - take a read and you will see its not reality:

“CFTC RULE 4.41 - Hypothetical or simulated performance results have certain limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profit or losses similar to those shown”.

Of course it’s simulated knowing what happened and vendors can and do make up track records to sell to greedy naïve traders and the greedy herd all lose.

So why doesn’t day trading work then?

It’s obvious we have countless millions of traders all with their own different forex trading strategies and views and to say you can predict what they will do in a few hours is totally absurd.

Humans are not predictable in short time frames their the total opposite!

All the volatility in short term time frames is random, daily ranges cannot act as support and resistance and anyone trying to trade the data is wasting their time - its simply not valid.

If you want to win:

Keep in mind you need the odds on your side and that means trading longer term.

If you do, this you’re using valid data where you can win and it really is as simple as that. The shame is many day traders work hard (far harder than a lot of the traders who make big gains) but they lose through ignorance of how and why markets really move.

Day trading for novices is simply a quick lesson in how to wipe out account equity - PERIOD.

Tuesday, March 25, 2008

Bisnis Portal

A Review of High Yield Investments

Posted: 24 Mar 2008 05:45 AM CDT

If you are new to internet marketing, you may be little bit bit confused by the term “High Yield Investments.” Shouldn’t all investments be considered high yield? When used in this context (and keep in mind that there is some variation across the board), it refers to the potential for making money online in direct marketing opportunities, network marketing opportunities or through passive systems like pay to read systems. If you have a great deal of interest in getting involved in making money in these ventures, learning about the genre as a whole is a good way to get started.
The first tip that is usually given to people who are interested in High Yield Investments is that they need to diversify. If you are shortly getting into this field, you may be a little bit timid about spreading yourself too thin, but it makes sense. Many of these opportunities are fairly short term, and is usually a good idea to have something waiting in the wings in case one or more opportunities go bust in a short period of time.

When you are thinking about High Yield Investments , you should always think about what your goals are. Are you looking to make some money for Christmas or a special event, or are you trying to replace a full-time job? Be realistic about what you can invest in these opportunities and make sure that you never get in too deep to dig yourself out. Similarly, remember to do your own research and go with your gut; some High Yield Investments are quite risky when it comes to what they ask you to risk.

If you are getting involved in High Yield Investments, you need to remember that frequently, you will get out of what you put in. How much time are you willing to put in? Remember to do more than just weigh the tangible benefits. Will you be doing something else while you’re online or will you be simply spending time to online to commit to this opportunity? Think about what any of these opportunities are worth to you.

When you are considering getting involved with High Yield Investments, remember that there are as many good investments out there as there are bad ones, and though you should always be cautious, you shouldn’t be afraid to take a risk on something that you feel might be able to help you achieve your goals. Think of it as gambling money, if you put $100 or $200 in a program and it goes belly up, not all is lost.

Monday, March 24, 2008

Bisnis Portal

Day Trading Articles - How To Find The Best Authors

Posted: 23 Mar 2008 05:47 AM CDT

With the rise of day trading online, there are a lot of day trading articles on the net. If you want good information you want day trading articles that have been written by people who actually trade and thats what were going to look at here.

The vast majority of articles written on day trading are not written by traders at all. There normally written by people who are simply trying to make money by appealing to traders to visit their site where they have ad words or products from vendors for sale.

These products appeal to people who are looking for an easy way to make money in forex and they lose.

The fact is day trading simply doesn’t work.
As an experienced trader, I find it amusing that people actually believe what some authors say in terms of day trading, here are just some examples:

“Predict market tops and bottoms with 90% accuracy”

“Scalp profits everyday”

“Earn $10,000 a month with this system”

Of course these day trading systems don’t work as the track record that comes with them will have the disclaimer below (or a similar one), read it carefully:

What this means is a vendor can make up any track record they like in hindsight, knowing the closing prices - but trading is actually a little more difficult, you have to trade without knowing the closing prices!

You will never see a day trading system with a track record of real gains, audited with account statements over the longer term. If you do - let me know because I have been trading for 25 years and never seen one.

Day trading forex day trading stocks, day trading commodities, day trading CFD’s - it doesn’t matter - day trading does not work in any of them due to the following:

All volatility in short term time frames is random and prices can and do go anywhere, meaning that if you try and use support and resistance levels they wont help you with your trading signal or help you get profitable market timing.

You therefore can’t get the odds in your favour and will lose over time.

This is fairly obvious when you consider that the price in any financial market is made by a vast diverse group of traders.

You simply cannot predict what this vast mass of people will do in a period of a few hours - the time period is simply to short.

If you want to make money trading then you need to trade longer time frames, where you can calculate and get the odds in your favour. This means swing trading or trend following.

So the next time you read a day trading article you should be aware that the person writing it has probably got no experience on the subject they are actually writing about. There are lots of day trading articles and the vast majority of the authors have simply never traded.

Sunday, March 23, 2008

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Online Car Insurance Quote Uk: Easy Search For Car Insurance

Posted: 22 Mar 2008 05:53 AM CDT

Getting insurance for your car is an obligation for all to fulfill. But the search for the best and most suitable policy can be quite some hard work for people. Rather than conducting a physical search, it is more favorable for the car owners to take up the online quote for car insurance UK and get a favorable policy for insurance.

Through researching the online mode, the car owner can apply and get a quote for his car insurance UK and decide the insurance policy. The car owners do not have to waste their time and effort in the physical market in going to each and every insurer and then availing some insurance policy.

Instead of approaching the physical market, the car owner can apply online where he can get the comprehensive as well as the collision cover for his vehicle. The collision cover insures the car if it meets with any kind of accident irrespective of who caused the accident. The other option which is the comprehensive cover insures the car against any kind of theft, accidental damage, technical fault, natural calamity etc.

Low premium policies are available to those who have a safe record of driving as the chance of a claim are considerably reduced. Similar is the case with women drivers as they are alert drivers. High cost cars and sports cars are often charged high premiums as they are a common aim for thefts.

By obtaining an online car insurance quote UK, the owners find it very easy to zero in on an insurance policy as the premiums that they are to pay for the policies are very low if they apply online. It is due to the stiff competition between the online companies that provides this chance of benefit for the car owners.

Saturday, March 22, 2008

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Van Fleet Insurance Quote: Influencing Decisions

Posted: 21 Mar 2008 05:53 AM CDT

It is not possible to purchase policies for each different vehicle as it cost more and follows a lot of paperwork. But there is a simple way out. Van fleet insurance provides this provision at reasonable cost to business owners. This policy gives coverage to vehicle as well as to commercial transporting goods. So, get the van fleet insurance quote and insure your business. Quotes are like preface which helps the seeker to understand the benefits better.
In the quotes, a lot of information is embedded. For instance: premiums charges, mode of payments, riders to waive payments, late fee charges, tenure of insurance and documents that should be enclosed. If you take help of quotes then you can fix the premium according to the budget and premium paying mode.

The offers and benefits of insurers are not same. Thus, if you collect and compare quotes then you can trace low prevailing charges. But it should also be kept in mind that fleet insurance premiums are governed by the number and type of vehicles, their purchase date and present condition. If any applicants have to claim an insurance amount then the process of claiming is stated in the quote itself.

Van insurance quote helps the applicants in taking decisions and getting the right cover for your car. The quotes can be collected by sitting at home by considering the online. Online are showcase of host of quotes of numerous lenders. The quotes are offered without any cost and simple to understand.

So, pick the best policy and insure your business by van fleet insurance quote.

Friday, March 21, 2008

Bisnis Portal

Free Online Car Insurance Quote - How To Get One and Why

Posted: 20 Mar 2008 05:56 AM CDT

More and more people are shopping on line and this is only increasing. The security and convenience of on line shopping is also increasing over time giving people more confidence to shop. And with both the selection increasing and the number of people shopping, prices are decreasing, as sellers realize that they have to be more competitive.

This holds true for many things. It definitely holds true for auto insurance. Now the consumer can shop around online for a better deal for car insurance. Plus, many sites will now give you a comparison quote from many different companies saving you even more time and money. Now you can only give your information once, not 4 or 5 different times. You also dont have to wait on hold for the next operator. And of course, you can do it from the comfort of your home, any time of any day. And its all free.

With many sites, you can get a quote in minutes. Something to keep in mind though is the accuracy of the quote. Take the figure as an estimate. If it sounds promising, get in touch with the insurer either by phone or email. Or drop by the office if you are close. Let the agent know you are interested and want to find out more.

There are many sources on line to help you as well in your search. Tips on how to search, what companies to use, how to save money and more. So sit down with your coffee, relax, and get ready to save some money!

Thursday, March 20, 2008

Bisnis Portal

Car Insurance - Import Cars

Posted: 19 Mar 2008 05:56 AM CDT

For car enthusiasts, looking to the continent in order to find their perfect car can be an expensive business.

Imported cars are often specified to meet regulations in their country of origin, but these little differences can often lead to difficulties when used on the roads in the UK.

However there are two classifications which can help to determine usability in the UK. The two main types of import cars are grey imports and parallel imports. Both of which can lead to differences when looking for a car insurance quote.

Grey imports are usually vehicles which have been built outside of the EU - such as Japan and the United States - with Japan being the most popular choice for import buyers.
Through this chain, enthusiasts are able to purchase cars that are of a higher specification as compared to a UK model or are not available in the UK at all.

However, the process of buying, importing and finding suitable car insurance can be costly. Differences in technical regulations mean that buyers will have to shell out more to get the vehicle modified and tested through the Single Vehicle Approval (SVA) scheme to ensure they meet environmental and safety regulations within the UK.

Repairs can also be expensive for owners of grey import vehicles, services can prove trickier due to differences in parts and specifications. Some dealers may offer parts and servicing, but it’s always best to double check before committing to a sale.

Parallel imports are vehicles that have been purchased from within the EU, but still retain the specifications of the UK models â€” such as right-hand drive and safety checks.

All cars sold within Europe have to meet the same minimum standards for areas such as emissions and protection. Some features may be optional on some vehicles - such as sunroofs and interior trims - which would usually be included in the UK model, however some buyers will be happy to accept these minor differences if the price suits them.

It is advisable to check vehicle specifications and warranties when purchasing a vehicle from abroad, as this information can be vital when searching for a motor insurance quote.

Wednesday, March 19, 2008

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Breakdown Cover: Keep Inconveniences Away

Posted: 18 Mar 2008 05:57 AM CDT

In spite of sitting in a swanky Sedan or a flashy Ferrari, you can never ensure that your car engine will always work perfectly and you will be able to reach your destination without any breakdown on the way. In fact, breakdown is a common phenomena and it happens to all. That is why most of the vehicle owners make it a point that they have a breakdown cover along with the auto insurance they are legally bound to take.

Occurrence of sudden problem in a car engine is quite common. Nobody can predict when the engine of a car stops working and leaves him stranded on the spot. This may be true to the owner of a personal car or to the owner of a van or truck. And once the vehicle stops working and the person is left stranded, the difficulties to be faced are beyond description. Breakdown cover ensures that the owner does not face this difficulty.
Each moment carry immense importance when a person is going somewhere on a professional assignment. So, he will try to reach there as quickly as possible, without wasting a single moment even. When someone is in such hurry, the mental tension he will undergo if the car engine stops working is beyond imagination. In such a situation, breakdown cover will work like a godsend by ensuring the fact that the person gets a mechanic then and there.

Same may happen to the person who is going towards his destination with goods in his vehicle. He needs to deliver them to a certain address on a fixed point of time. If he gets late, lots of problems will be there. Suddenly if he meets with an accident and is left stranded on the spot, he will have to face a dire consequence. So, he needs a mechanic to repair the vehicle quickly so that he can reach on time. Nothing but a breakdown cover will do the work for him in a cost-effective manner.

Tuesday, March 18, 2008

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Low cost car insurance is available

Posted: 17 Mar 2008 05:58 AM CDT

If you want low cost car insurance then shopping online with a specialist broker is the place to go to get it. There are brokers who can shop around on your behalf and find you the best possible quotes. A broker is able to search the motor insurance market place and find among the cheapest premiums based on the circumstances of the individual.

Car insurance premiums do vary from provider to provider and they also vary on the individuals circumstances too. This means that shopping around and getting several quotes is a necessity when getting the best deal and this is where a broker can help. Doing it yourself takes an enormous amount of time, an individual also does not have access to the same lenders a broker does.
While the broker can find low cost car insurance on your behalf you do have to play a part in it. The broker will need to know your circumstances such as the type of car you want to insure, your age, gender and the type of cover you want.

Installing such features as security devices can also shave a little off the cost of your cover. Such features include steering locks, immobilisers, tracking devices or having the windows etched. Where you park your car is also taken into account. Parking it on the road will not be seen as safe as if you had parked it in a garage. Even the colour of the car can make a difference to the cost. Those who choose red for example are seen as being more of a risk than those who choose a brown car.

The named drivers on the insurance will also affect the premiums, with a named spouse attracting a discount while a younger driver pushes the price up.

Whichever type of insurance and whatever your circumstances a broker can help you to make huge savings. Insurance companies will offer special deals for those who fall into certain brackets for instance women drivers, younger drivers or older drivers. Younger drivers have been known to be at the high end of the insurance bracket as they have the least experience. Having a no claims bonus goes a long way to saving money on your insurance and a young driver does not have the experience. A younger driver can take advanced driving lessons to boost their record and make savings on their insurance.

One of the biggest factors you have to remember when getting low cost car insurance is to read the terms and conditions of the policy. This is where you can find any additional costs that come with the quote and also what is and is not covered in the policy. Comparing policies of a similar cost is essential because one policy could feature something which the other does not. Some policies for example include basic breakdown cover or handbag theft so it worthwhile not only comparing the costs but also the terms and conditions.

Monday, March 17, 2008

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Make your car insurance search online the easy way

Posted: 16 Mar 2008 05:59 AM CDT

A far better way of looking for the cheapest car insurance than looking yourself is to allow a broker to make a car insurance search on your behalf. By doing so you will not only save yourself money on cover, but also get your insurance quicker. This is because brokers know where to go when it comes to making savings.

It is also important for those who already have motor insurance to shop around and not just take a renewal on their policy year after year. While you can get a great deal when first taking out a policy, your insurance will normally creep up year after year. This means that many individuals who stick with their existing provider instead of getting a fresh quote could be paying way over the odds for cover.
A broker is without a doubt the easiest way when it comes to your car insurance search. They have access to the whole of the market place and will know from experience which insurers are more likely to be able to save you money. The cost of insurance will be based on many factors and there are many ways in which you can help to reduce the cost.

Some thought should be given to the type of car (ie the engine size) because this can go a long way to keeping down the cost. The bigger the engine size, then the more you can be expected to pay - a smaller model will cost less. If you do not need a large car then stick with a smaller vehicle because when insuring it you will save money.

Of course the amount of no claims bonus is one of the best ways to keep the cost of insurance down. The more experience you have when it comes to driving the better. If you have held a policy for many years and have never claimed against it you are able to make excellent savings.

Certain criteria such as whether you are a young driver, an older one or a woman driver can also affect the price of your car insurance. However there are insurance companies who will specialise in dealing with insurance for these and this is where you will get the best deal on your cover. A broker can take this into account and fix their search with those lenders who are most likely to offer the cheapest premiums. They are also able to do this in the shortest time possible.

When making your car insurance search online then allowing a specialist car insurance broker website to do it on your behalf is the best way to make huge savings. However you should always check the small print of any quote you are considering taking out. The terms and conditions are where you can find what will be included in your cover and what is not. Some policies can come with extras included which of course can be to your advantage and this is where you are able to find them.

Sunday, March 16, 2008

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Your car insurance policy can be found cheaper online

Posted: 15 Mar 2008 05:59 AM CDT

When you need to renew your car insurance policy you would be wise to shop around and get several quotes before deciding on a policy. However this is time consuming and a much quicker way is to allow a broker to scour the market place on your behalf. They will find you the best deal possible on a motor policy.

It is essential that you take the time to read through any terms and conditions of car insurance policy before you purchase as this is where you can find additional costs. It will also tell you what the policy covers and does not cover. Again this can vary with one company offering additional benefits for free where another company will charge a fee.
Of course there are many ways that you can make savings when it comes to your car insurance policy. The type of insurance you choose to take will depend how much you will be charged. There are three levels of insurance, these are fully comprehensive, third party and third party fire and theft. Fully comprehensive must be taken if your car is valued over a certain amount; fully comp is the most comprehensive type of cover and is also the dearest. Third party fire and theft falls in the middle and is usually more suited to a second hand car or a younger driver.

Third party only is a very basic insurance policy that covers any third party liability caused by you having an accident nothing else, so offers very little protection for your vehicle.

When looking for the cheapest car insurance policy there are many ways you can attract a discount on your premiums. For instance you can install security features. By installing alarms, etching your car windows, putting in a tracking system or fitting an immobiliser you can reduce the cost of your car insurance.

The amount you are asked to pay for your car insurance will also depend on such factors as your age, your gender and the amount of no claims bonus NCB or NCD- no claims discount) you have. The more no claims bonus, then the cheaper your insurance will be.

However new drivers will have not yet built up no claims but can take advanced driving lessons and the added safety these give goes a long way to reducing insurance costs. There are specific insurance companies that will offer cheaper insurance to younger drivers and women motorists - a broker will take this into account when looking for cheaper cover.

While the car insurance broker will be able to find you the cheapest car insurance policy in the end the individual should make sure the policy is suitable. You should go over the policies small print with a fine tooth comb to ensure that everything is included in the policy that you need. Signing up for cover without having read this could mean that an essential part of the cover is missed out. For example just because one policy includes basic breakdown assistance it does not mean they all do. A specialist’s website will hold valuable information on all aspects of car insurance. Sometimes you can also find such things as lists which include the top ten cheapest cars to insure and the dearest.

Saturday, March 15, 2008

Bisnis Portal

Finding that elusive cheap car insurance cover

Posted: 14 Mar 2008 05:59 AM CDT

While there are many things you can do to help yourself save when it comes to taking out car insurance cover, one of the best is to go online with a broker. A specialist car insurance broker is able to search on your behalf within the motor insurance market place to make sure they find the best deal.

However there are more benefits than just saving money. The time and aggravation you can save is enormous, you will get among the cheapest premiums delivered in the shortest time possible. The quotes you are given are almost instantaneous which then means you can sit back and take your time looking through them.
When it comes to helping yourself to knock off pounds on your car insurance cover there are several factors you need to be aware of. One of the best is experience in driving and a clean driving record. If you have an excellent no claims bonus then you can make savings too. For those who are just starting out and do not have no claims bonus they can take advanced driving lessons which many insurers will give you discounted premiums for.

The size of the car and engine will determine how much you pay for your insurance with larger engine sizes costing more to insure than a smaller one. Cars that are considered to be in the “flashy” range will also push up the premiums compared to a family model.

Your age and gender affects your car insurance cover too. Younger drivers are often quoted a lot more for their cover than an older driver. This is due to a lack of experience and historically, the increased likelihood of having a serious motor accident; however a younger driver can help to reduce their premiums by taking advanced lessons and sticking with a smaller car. There are also insurers who will specialise in offering cheaper car insurance for younger drivers and a broker will be able find these. The same goes when it comes to women drivers and drivers over a certain age.

Fitting your car with security measures can help you to make savings. Installing such items as steering wheel locks, tracking devices and having you windows etched can all go towards reducing the amount you pay for your motor cover.

The type of insurance policy you choose to take will also reflect on the cost of car insurance. The choices for cover include third party fire and theft, third party only and fully comprehensive. Third party only is the cheapest insurance you can take out but it is also the very basic. Third party fire and theft is a good choice for those buying a second hand car or for younger drivers and fully comprehensive is the dearest but gives the most cover.

A broker will be able to find the cheapest car insurance cover for all types of vehicles and along with this will be able to provide excellent advice on all aspects of insurance. You can find help by way of FAQs and articles which mean you get the right type of insurance for the lowest cost possible.

Get your motor insurance quote online with a brokers help

Posted: 13 Mar 2008 06:00 AM CDT

A broker can save you an enormous amount of time and money if you get your motor insurance quote online. They are able to gather quotes based on your individual circumstances a broker will know who is likely to offer the cheapest premiums for car insurance based on the information you give to them.

There are insurance companies who tailor car insurance to certain individuals. For example there are those who provide low cost insurance to younger drivers, women motorists or older drivers. A broker will be aware of this and so go with those lenders for your quotes. Of course you will have to decide which level of insurance you want and this will affect the cost.
Fully comprehensive insurance is the dearest type but gives the most cover. Third party fire and theft comes in the middle price range and is often more suitable for younger drivers. Third party only is the least amount of cover you can take and is the cheapest and basic insurance. The level you choose to take is affected by the cost of the car; if you buy a car over a certain amount then financially speaking, you have no option but to take out fully comprehensive in order to protect your investment adequately.

Once you have decided which level you require, then a broker will search based on this and other factors. Insurance companies offer a cheaper motor insurance quote based on many considerations. One of the ways which you can get a cheaper quote is if you have substantial no claims bonus. Drivers who have built this up with years’ of experience will be able to secure the cheapest premiums for their insurance.

Younger drivers often find that they are in the high end of the bracket when it comes to paying out for car insurance. The type of car you choose will add to the cost. If it is a sporty model with a big engine then you can expect to pay more for cover. A younger driver would be better off choosing a more sedate small model in order to keep the insurance costs down. Taking advanced driving lessons to improve your safety can help and a broker can certainly dig out those insurance companies who are more lenient with younger drivers.

Installing additional safety features on you car such as having windows etched, putting in car alarms and fitting a tracking device can all go a long way to keeping down the cost of your car insurance. A specialist website will be able to give you hints, tips and advice on many more ways to reduce the cost. Certainly getting your motor insurance quote online is the best way to not only make great savings but is also the easiest way. A specialist will provide you will the key facts of the insurance policy and this is where you can find what is and is not covered. It is essential you read these and compare them at the same time as comparing the premiums because they can vary quite a lot between quotes.

Monday, March 31, 2008

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