Car Insurance – Lowest – 5 Ways to Save Money on Auto Insurance

So – you want to save on car insurance and wonder what the lowest prices around are?  Check out the money saving tips below before signing on that dotted line.

Car Insurance Lowest: Shop Online

Selling insurance online provides savings that are passed on to customers by way of lower premiums.  If you are comfortable with doing business online, this may be the way to go for you.

You should, at least, start your insurance shopping process on the internet.  Use a website like Quote Wizard or 2Insure4Less to obtain a handful of quotations from different companies.  Now you have a basis for comparing coverage and prices.

Car Insurance Lowest: Find an Insurance Company that Caters to your Driving Record

To a great extent, auto insurance rates are set based on your driving record.   So, you need to find an insurer that offers a good deal for your type of driving record.   This is where comparison shopping comes in.  Use one of the websites mentioned above.  You’ll need to complete an online form with info about you, your vehicle, you driving record, etc.  You do that one time and 3-4 quotes will be emailed to you.  You’ll be surprised at how much prices will vary among companies.  Those companies that are not particularly keen to insure drivers with your type of driving record will stick out like a sore thumb…their quotes will be higher.

Regardless if you’re guilty of running a few red lights, or pressing too hard on that pedal or are even a “model” driver – the search should be on!  Comparison shopping is the #1 way to save money on your car insurance.

Car Insurance Lowest: Got a “Rough” Driving Record?

Check out companies specializing in high-risk insurance policies.

How do you find them? As mentioned above, use Quote Wizard.  They will direct the appropriate insurance companies to you.

Car Insurance Lowest: Review your policy

I strongly encourage you to check rates by shopping around at least once a year to be sure your car insurance company is keeping up with market rates.  You don’t want to be the guy who stayed with one carrier for 15 years only to learn one day you have been paying twice what the market is charging.

Car Insurance Lowest: Have a Look at Your Deductible

The price difference between a policy with a tiny $100 deductible and a mega $2,000 will affect insurance premiums by as much as 25%.  These are outside amounts-the most deductible is around $500.

Keep in mind that your deductible does not apply to liability cover.  Meaning that if you are at fault in an accident and have adequate coverage, your policy will cover any damage you caused to other parties and their property.  Your deductible is applicable only to repairs and replacement cost for your vehicle.

How much are you willing to pay out of your pocket for damages to or loss of your car?  Set your deductible at the highest amount that you can afford, but do not assume that you will never need to pay it.

Steps in Obtaining a Birth Certificate Copy Online

The Internet is a vast and truly wide repository of updated information, records, as well as archives of past data. In doing a search for public records online, experts note that the first crucial step towards quickly locating information about people, companies or personal data begins with gaining a thorough understanding of what defines a public record as well as private information. After gaining a clear overview of the limitations and scope of a public record search, you’ll find out how important this search mechanism is, especially in searching for information such as a birth certificate copy, among other sensitive and vital information.

In essence, personal or confidential data is considered as private and restricted information. Items such as date of birth, an individual’s Social Security number, insurance, medical, financial, as well as birth records are private by definition; however, online researchers note that confidential private data sometimes becomes public, which means that you may be able to locate or retrieve these types of records ethically and legally. This includes searching for a birth certificate copy.

The first step to do in finding birth certificate copies online is to type the name of the city/town where the person you’re looking for was born, along with the name of the county in the search engine. After this, locate the specific county register, by typing for example ‘county register/clerk recorder’. Once you get in the county registrar’s Web site, begin searching for the birth certificate. Once you’ve found the specific record, print out a copy of the certificate’s request form, fill the forms and read the instructions. Once you get the copy of the form, have it notarized and send it to the indicated address along with the required check or money order payment for the fees.

In obtaining birth certificate copies online, you should know that some US counties are so small that they may not have the required information posted on their web site. Should this be the case, and then call the phone number posted on their site for proper instructions. Online search records experts say that some counties will allow you to order a copy of you birth certificate online, and all you need to present is a valid credit card, as well as to fax the notarized request form to the county registrar. These days however, with concerns about identity fraud or theft, not all individuals are allowed to obtain certified birth record copies. The persons or individuals who are only allowed to obtain an authorized certified copy are the registrant himself or his/her parent and legal guardian. The individual or entity may also be allowed to obtain certified birth record copies online whenever this is mandated by a court order, or from a lawyer or a registered adoption agency that wants to obtain the person’s birth record copies in compliance with certain sections of the US Family Code. Law enforcement officials and representatives of a governmental agency are also allowed to access birth records, provided that they are conducting official business. Lastly, a child, sibling, spouse or grandchild of the individual may also be allowed to obtain copies of his/her birth records, as long as these persons have been properly authorized to do so.

Couples Vacations

Every couple need some time off to recuperate and rekindle their intimacy. Couples vacations provide opportunities for couples to discover various parts of the world and spend some time all by themselves, away from the stress of everyday life.

There are a huge number of tour operators who offer a wide variety of vacation packages for couples to almost all parts of the world. The location and duration of the vacation depends on a number of factors such as the time available, budget, and the type of vacation they want.

Vacations can range from adventure trekking to getaways at spa resorts and relaxing amongst idyllic surroundings at beautiful beaches. Some vacations involve a lot of physical exertion such as long walks, mountain climbing, and other activities. Others mostly involve rest and relaxation.

Most resorts and vacation places provide various kinds of service, depending on the charges they levy and their ratings. Most package tours have all-inclusive features that include a host of features and facilities.

Some of the facilities that can be expected at most vacation resorts are rooms at star hotels, pools, bars, gyms, spas, and tennis courts. If beaches are available, diving, snorkeling, swimming, and yachting are popular activities.

However, vacations do not always have to be at beaches or resorts. A lot of couples prefer sightseeing and like to gain some knowledge about the country, culture, and customs of the people among whom the vacation is enjoyed. Traveling to different cities in that country, photography and mingling with the people would be their main pastimes.

Hundreds of tour operators can be found on the Internet. All of them list the various destinies, the kind of service to expect and other details including prices.

Couples who wish to minimize costs can choose to plan their own vacations. This planning must take into account all possible situations including food, lodging accommodations, type of people, and the geographical nature of the area. Proper planning ensures a safe, incident free vacation.

How to Manage Your Personal Finances – Retirement Capital Requirements

Many articles have been written about the subject of retirement planning and there are many books published by experts on this very important issue. I have just recently joined the fold of the retired group and I have been through the mill (so to speak) of planning and implementing my retirement plan in it's initial phase. It is this, the initial phase, which I would like to concentrate on in this article.

So, how do I plan my retirement date?

Most companies have contractual dates for retirement. For example, retirement ages could range from 55 years old for early retirement to 60 years old for Directors to 65 years old for operational staff. These dates are generally a guideline since companies do exercise some flexibility when applying these parameters. However, each individual should be using these parameters as a benchmark and then build a projected financial model to see if they are adequately provided for in retirement. Note: The use of a financial advisor is highly recommended in this planning process.

Since the above guidelines, your retirement date is in fact flexible provided that you can satisfy the golden formula which is expressed as: "Accrued income plus passive income must exceed your current cost of living plus an adjustment (up or down) for lifestyle choice in retirement plus inflation projections and sufficient liquid cash for emergencies ".

Let's face it, the thought of early retirement is in the minds of all of us but if you can not afford it, you are heading for suicide.

Let me expand the golden formula as follows:

  • Accrued income is the monthly pension or income that you can derive from your pension accumulation through your working life. This figure will be provided to you by your pension fund or your investment institution.
  • Passive income is income from investments that you made through your working life. Here you consider regular income from property investments, equity investments, dividends, savings interest, business partnerships and any other form of reliable income which you will derive on a monthly basis.
  • Current cost of living is the full annual cost of your current lifestyle. Be extravagant in estimating this figure and be sure to include everything that you incur as a cost.
  • Adjust your retirement requirements up or down depending on your circumstances and your intended lifestyle in retirement.
  • Make adequate provision for injury during your retirement years. Your financial advisor should project your retirement capital adequacy over your expected lifespan.
  • Ensure that you have a 'nestegg "of cash available for emergencies such as buying a new car, unexpected medical bills, renovating your house, helping your kids, taking some holidays and anything else which is relevant to your situation.

I spend many hours pondering the above elements and I suppose it is only natural to be very conservative about whether you can actually go ahead and retire. Assuming that the criteria for the golden formula are met and in order to make the decision a little easier, the following points are highly recommended:

  • You should have no heavy debt burdens. Your mortgage should be paid off, your car hire purchase agreements should be settled and you should have no major debt commitments. In fact, you should be able to live from cash out of your wallet.
  • Your "wish list" for your activities in retirement must be catered for in your planned expenditure.
  • You must not have any plans that requires you to erode your capital base.
  • You need to be sure that your monthly income is pretty secure and you need to have alternative plans if for some reason, your monthly income drops.
  • You need to be able to save some of your retirement income monthly just to prove that you are coping.

In this planning exercise, you need to budget for everything that you want in retirement. Once you have taken the step, there is no turning back if you are serious about retiring. You also do not want to find out that you can not afford some of the things which you had in your vision.

In conclusion, the most important factor in planning your retirement is to ensure that your life partner (if appropriate) is fully informed and on board with the plan and that you create a mutual acceptance and arbitration about your future in retirement.

The above article is created to stimulate thought on your own unique circumstances and you need to tailor your plan accordingly.