by: David Petersen
Used Cars Can Offer Great Insurance Premium Value
Let’s face it—you don’t generally buy a used car to impress your neighbors or indulge in a midlife crisis whim. Used cars are proven money-savers, often allowing you to save over half the sticker price of a comparable new model. The money-saving benefit of buying a used car carries over into the insurance realm too.
Used Cars Mean Reduced Rates on Comprehensive and Collision Coverages
As a general rule, auto insurance companies are able to charge significantly lower premiums for used car insurance. Why? It’s a simple matter of value: Since used cars are worth less than their new counterparts, it costs an insurer much less to compensate for the value of a used car in the event of theft or irreparable damage. This means an auto insurance company can charge a reduced rate for comprehensive and collision coverages for the used car auto insurance(http://justautoins.com/get_a_quote), thus drastically lowering the owner’s premium payments.
Liability Coverage Holds Steady For Used Cars
Liability coverage premiums for used cars and new cars a like tend to be similar. It makes sense if you think about it… A used car and a new car are liable to cause equal damage to pedestrians, buildings, and other vehicles. It doesn’t matter if you hit someone’s Mercedes convertible with your 1992 Cutlass Sierra or your vintage Rolls Royce—the dents and dings on the unfortunate Mercedes will still cost the same amount to repair.
Increase Your Deductible for Used Car Savings
With used cars, you also won’t need to purchase as much comprehensive and collision insurance coverage as you would for a new car. In fact, if the car is old enough and lacks sufficient value, you can often choose to dispense with comprehensive and collision coverages altogether. Along these lines—used car owners should consider paying a higher deductible—and hence a lower premium—for any comprehensive or collision coverage. Since the car is not worth as much, you can factor the additional risk into your budget.
Additional Used Car Money Savers
Insurance companies take into consideration many factors when determining insurance rates for a used car, including:
• The model of the car: Since there’s potentially years worth of safety and performance data on a used car’s model year, an insurance company can use this data to reward reliable and safe car models. Make sure to research which models insurers like best.
• Your driving record: Just as for a new car, a rash of speeding tickets or moving violations will inflate your used car insurance premium.
• Parking arrangements: Is it possible to park your used car in a garage on a safe street? Doing so will save you money.
• Miles driven: If your commute is long and treacherous, expect to pay more in auto insurance premiums no matter if your car is used or new.
In closing, we wish you luck with the purchase of a used car. It’s possible to realize hefty savings on used car insurance, but shopping around is key! If you take the time to research different used car makes and models, you should absolutely compare different used car insurance quotes.
Copyright © 2001-Present ArticleCity.com
Wednesday, July 14, 2010
Saturday, July 10, 2010
How To Save On Your Holiday?
by: Jane Thomas
1. Book Early
Holiday industry is like any other business affected by the basic economics factors of supply and demand.
2. Buy a Holiday Package
If you are booking a flight and a car, or flight and accommodation, by packaging the two deals together, an agent can often offer a much better deal than if you were to book separately, even online.
3. Travel at unsociable times
4. Surf for a deal
It's one of the things the internet does best. Compare the flights, create your own holidays and book online.
5. Check back later
Travel agents and internet users can reserve flights and holidays for several days without purchasing them. So if at first you find a deal is unavailable at the price you want to pay, you have a choice: pay the higher price or wait a few days to see if the places become available again.
6. Sign up for special offers by email
Any airline or travel agent worth its reputation has a service that allows you to hear about the deals first. Choose a few of your favorites and sign up. You could access big savings for a few minutes' effort.
7. Think about cheap hotel chains
In France there are tons of them dotted all over the country with rooms for three people from less than £20 a night. They're close enough to all the major tourist areas to make it a real viable option for the cost-conscious people.
8. Do your own research online
You don't have to pay a fortune or spend years traveling the globe for the hidden gems. Just log on one or more of the travel websites and read the views of previous guests. Remember: cheap doesn't have to mean nasty.
9. Collect newspaper tokens
Many newspapers have a travel club or offer travel discounts that involve collecting tokens. Some of them offer a fantastic opportunity to save money on your holiday. Others don't, so always read the small print.
10. Check the latest exchange rates
Fluctuations in the value of the pound can mean the difference between being able to afford a holiday.
11. Visit cheap countries
Sounds obvious but take Greece - once a cheap option for a holiday. less reliable.
12. The packed lunch trick
If you're flying, you can pay several pounds for an in-flight sandwich and drink or you can take your own. With some of these low-cost deals, the cost of your food can be more expensive than the cost of your flights. There's a principle at stake here more than just a free lunch.
13. Don't fly on Fridays or Saturdays
If you want to get away for a week at half-term but during the summer or Easter if you can fly on weekdays you can save a lot of money.
14. Track down local restaurants
In Venice, in general, the closer a restaurant is to St Mark's Square the more touristy and expensive it is. Remember, wherever you go local people eat out too. Avoid the tourist traps and you'll be better fed and richer.
15. Make friends
Cultivate friendships with people who live in places you would like to visit. There are many websites for international friendship. You could have a free place to stay, free touring information, practice a new language and maybe even have a new partner.
Copyright © 2001-Present ArticleCity.com
1. Book Early
Holiday industry is like any other business affected by the basic economics factors of supply and demand.
2. Buy a Holiday Package
If you are booking a flight and a car, or flight and accommodation, by packaging the two deals together, an agent can often offer a much better deal than if you were to book separately, even online.
3. Travel at unsociable times
4. Surf for a deal
It's one of the things the internet does best. Compare the flights, create your own holidays and book online.
5. Check back later
Travel agents and internet users can reserve flights and holidays for several days without purchasing them. So if at first you find a deal is unavailable at the price you want to pay, you have a choice: pay the higher price or wait a few days to see if the places become available again.
6. Sign up for special offers by email
Any airline or travel agent worth its reputation has a service that allows you to hear about the deals first. Choose a few of your favorites and sign up. You could access big savings for a few minutes' effort.
7. Think about cheap hotel chains
In France there are tons of them dotted all over the country with rooms for three people from less than £20 a night. They're close enough to all the major tourist areas to make it a real viable option for the cost-conscious people.
8. Do your own research online
You don't have to pay a fortune or spend years traveling the globe for the hidden gems. Just log on one or more of the travel websites and read the views of previous guests. Remember: cheap doesn't have to mean nasty.
9. Collect newspaper tokens
Many newspapers have a travel club or offer travel discounts that involve collecting tokens. Some of them offer a fantastic opportunity to save money on your holiday. Others don't, so always read the small print.
10. Check the latest exchange rates
Fluctuations in the value of the pound can mean the difference between being able to afford a holiday.
11. Visit cheap countries
Sounds obvious but take Greece - once a cheap option for a holiday. less reliable.
12. The packed lunch trick
If you're flying, you can pay several pounds for an in-flight sandwich and drink or you can take your own. With some of these low-cost deals, the cost of your food can be more expensive than the cost of your flights. There's a principle at stake here more than just a free lunch.
13. Don't fly on Fridays or Saturdays
If you want to get away for a week at half-term but during the summer or Easter if you can fly on weekdays you can save a lot of money.
14. Track down local restaurants
In Venice, in general, the closer a restaurant is to St Mark's Square the more touristy and expensive it is. Remember, wherever you go local people eat out too. Avoid the tourist traps and you'll be better fed and richer.
15. Make friends
Cultivate friendships with people who live in places you would like to visit. There are many websites for international friendship. You could have a free place to stay, free touring information, practice a new language and maybe even have a new partner.
Copyright © 2001-Present ArticleCity.com
Monday, July 5, 2010
Simple Carbohydrates are WAY More Dangerous Than We Thought
by: Paula Stone
For years in my own writings and my own kitchen I have avoided eating a lot of sugar, white flour and other things that go to sugar in the blood stream quickly.
The main reason I avoided these things is that they are not precisely “food”.
They have little or no nutritional value.
And I can’t see much point in buying or eating something that has no nutritional value.
But I learned today in an article in the current issue of Scientific American magazine that there are bigger problems than a lack of nutrition in all foods with a high glycemic index.
An article by Melinda Wenner Moyer states that in the 30 years during which the government has been recommending that people reduce their intake of saturated fat to help prevent heart disease
1. Obesity has more than doubled.
2. Diabetes has tripled.
3. Heart disease is still the country’s biggest killer.
She goes on to say that, “Processed carbohydrates, which many Americans eat today in place of fat, may increase the risk of obesity, diabetes and heart disease more than fat does—a finding that has serious implications for new dietary guidelines expected this year.”
The article further states that “some studies done by Meir Stampfer, a professor of nutrition and epidemiology at Harvard School of Public Health indicate that carbohydrates may be worse than saturated fats in their connection to obesity, diabetes and heart disease.”
In one of his studies, “Although subjects on the low-carb diet ate the most saturated fat, they ended up with the healthiest ratio of HDL to LDL cholesterol and lost twice as much weight as their low fat eating counterparts.”
He also did studies that showed that women have worse problems with weight, diabetes and coronary artery disease if they consumed higher amounts of high glycemic-index foods.
I think it appears sugar definitely seems to be making them fat and sick.
I worked as a social worker for over 9 years after I got out of college. Many of my clients were diabetics and they were often the sickest of all my clients, too.
Their horrifying health issues were all the incentive I needed to start avoiding sugar.
I have always maintained that eating sugar and refined grains is going to impact the body negatively.
But the sugar lobby in Washington works hard to protect their markets. They know these foods are not healthy, but they have a big financial stake in continuing to sell these products. They also have plenty of influence.
Fast foods and convenience foods are full of this stuff and really low in nutrients.
But you have control of your grocery cart and your kitchen. Protect yourself. Skip the white stuff like refined flour and sugar. Cook at home using real food with real nutrients.
Human bodies were not designed to process a lot of sugar and other high glycemic-index foods safely.
In fact sugar is not a necessary nutrient.
So-called “high glycemic” foods are just wrong and unnatural, essentially useless in any diet so stick with healthier more nutrient rich foods to kick up your health along with drop those excess pounds.
Copyright © 2001-Present ArticleCity.com
For years in my own writings and my own kitchen I have avoided eating a lot of sugar, white flour and other things that go to sugar in the blood stream quickly.
The main reason I avoided these things is that they are not precisely “food”.
They have little or no nutritional value.
And I can’t see much point in buying or eating something that has no nutritional value.
But I learned today in an article in the current issue of Scientific American magazine that there are bigger problems than a lack of nutrition in all foods with a high glycemic index.
An article by Melinda Wenner Moyer states that in the 30 years during which the government has been recommending that people reduce their intake of saturated fat to help prevent heart disease
1. Obesity has more than doubled.
2. Diabetes has tripled.
3. Heart disease is still the country’s biggest killer.
She goes on to say that, “Processed carbohydrates, which many Americans eat today in place of fat, may increase the risk of obesity, diabetes and heart disease more than fat does—a finding that has serious implications for new dietary guidelines expected this year.”
The article further states that “some studies done by Meir Stampfer, a professor of nutrition and epidemiology at Harvard School of Public Health indicate that carbohydrates may be worse than saturated fats in their connection to obesity, diabetes and heart disease.”
In one of his studies, “Although subjects on the low-carb diet ate the most saturated fat, they ended up with the healthiest ratio of HDL to LDL cholesterol and lost twice as much weight as their low fat eating counterparts.”
He also did studies that showed that women have worse problems with weight, diabetes and coronary artery disease if they consumed higher amounts of high glycemic-index foods.
I think it appears sugar definitely seems to be making them fat and sick.
I worked as a social worker for over 9 years after I got out of college. Many of my clients were diabetics and they were often the sickest of all my clients, too.
Their horrifying health issues were all the incentive I needed to start avoiding sugar.
I have always maintained that eating sugar and refined grains is going to impact the body negatively.
But the sugar lobby in Washington works hard to protect their markets. They know these foods are not healthy, but they have a big financial stake in continuing to sell these products. They also have plenty of influence.
Fast foods and convenience foods are full of this stuff and really low in nutrients.
But you have control of your grocery cart and your kitchen. Protect yourself. Skip the white stuff like refined flour and sugar. Cook at home using real food with real nutrients.
Human bodies were not designed to process a lot of sugar and other high glycemic-index foods safely.
In fact sugar is not a necessary nutrient.
So-called “high glycemic” foods are just wrong and unnatural, essentially useless in any diet so stick with healthier more nutrient rich foods to kick up your health along with drop those excess pounds.
Copyright © 2001-Present ArticleCity.com
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