Archive for December, 2009

Car insurance sector hit by driver phone use


12 Dec 2009

Use of handsets increases accidents and car insurance costs. Increasing numbers of UK motorists are adopting the dangerous habit of using their mobile phone handsets while on the road, leading to higher accident rates and car insurance premiums.

Figures from the Transport Research Laboratory (TRL) suggested that the proportion of motorists breaking the rules in this way has risen from 2.6% in 2006 to 2.8% in 2009.

This is despite the fact that tougher punishments for drivers found to be using their handsets in cars, which can include three points on the motorist’s licence and a £60 fine, were introduced two years ago.

Data from TRL suggested that mobile phone use distracts the driver from the road, making them four times more likely to crash.

Higher accident rates lead to more car insurance claims being made, which in turn results in costlier premiums.

Edmund King, president of motorists’ group and car insurance provider the AA, told the BBC: “I think we need more police campaigns [on the issue], I think we need more publicity campaigns.

“If you think back to seat-belt wearing, ‘clunk, click, every trip’ … Full Article…

Posted by admin No Comments

Tags: Car Insurance Use

Appreciating Mexican Church Architecture


11 Dec 2009

For hundreds of years, the Catholic Church has been a strong presence in Mexican culture. During these past centuries, ornate churches have been constructed, visually displaying Biblical themes, diverse architectural styles and region-specific craftsmanship. These buildings were so well constructed that many of them still stand today and welcome visitors.

Before your travel into Mexico’s great architectures begin, travel experts strongly suggest you buy Mexican insurance online. Buying Mexican Auto Insurance Online allows you to make sure you get the policy you need at the best possible price, instantly. Review and compare Mexico Insurance online for comprehensive, reliable Car Insurance for Mexico and Mexico car insurance protection.

Most of these older churches are located in Southern Oaxaca. Their designs are based on a combination of Egyptian, Greek and Roman influences which formed the basis for European Medieval and Renaissance style cathedrals and monastic institutions. In Mexico, these trusted and standard designs were further refined to accommodate available resources and landscape requirements.

Full Article…

Posted by admin No Comments

Tags: Church Mexican Church

Debit card spending to hit £23bn


11 Dec 2009

Spending on debit cards is set to rise this Christmas

We all like to splash the cash at Christmas and it appears more of us are turning to our plastic friends as we do so.

Consumers are expected to spend a record £23 billion on their debit cards during December despite the economic downturn.

A further 17.8 billion of cash is also expected to be withdrawn from ATMs during the month, according to Barclays.

The group, which based its research on spending trends in the past two years, expects debit card spending to be 4% higher than during December 2008.

It said the extra bank holiday over the Christmas weekend was likely to benefit high streets and shopping centres as Britons used the additional day off to hit the sales.

People are expected to spend £5 billion on their debit cards in supermarkets this month, as well as £1 billion in petrol stations.

Debit card spending in department stores is expected to hit £650 million, with jewellers taking in £210 million.

People are also expected to spend £600 million in restaurants and pubs during the month, while they will use their debit cards to spend £75 million in off-licences.

Posted by admin No Comments

Tags: Debit Card Spending

Bagging up the Savings


10 Dec 2009

More and more grocery stores are offering a discount or financial incentive for shoppers who bring in their own bags. Reusable bags save stores money and are a more ecologically friendly alternative. Many stores now have affordable bags available near the cash registers, making it easy to accumulate a collection of practical and inexpensive shopping bags.

While the environmental benefits of reusable shopping bags is clear, you may be surprised to consider some of the other benefits. Large reusable shopping bags can be more comfortable to carry, making it easier to bring that load of groceries in the house. Square or rectangular bottomed shopping bags line up neatly in the trunk or cargo area of your vehicle, allowing you to make the most of the available space and avoid having your purchases spill.

Depending upon the store, discounts range from 3 cents per bag to as much as 10 cents per bag. While the cost difference on a small one bag purchase is minimal, if you routinely purchase 15 to 20 bags worth of groceries, the discount can be much more substantial.

Full Article…

Posted by admin No Comments

Prudential Disability Insurance Policyholder – A Successful ERISA Appeal from Frankel & Newfield


10 Dec 2009

Despite bringing in one of the insurance industry’s big guns for hire – a doctor whose practice is more focused on helping insurance companies keep a healthy bottom line than with patient care – Frankel & Newfield has won an ERISA appeal for yet another client.

The Prudential disability insurance policyholder was a Vice President with a global financial company, with a disability insurance policy commensurate with her income level. She suffers from several severe orthopedic conditions, including coccydydnia and lumbar radiculopathy. She is unable to sit in a car or at a desk, and the intense pain makes it impossible for her to perform at the high levels that got her to the senior position she held.

Prudential first delayed, then denied the claim. We knew that the high dollar value of the monthly benefit was the real reason the disability insurance company was trying to stop her claim. We also knew that she could not work, and deserved the benefits in her policy. Prudential brought in an insurance doctor whose presence always signifies a serious and expensive claim.

Full Article…

Posted by admin No Comments

Tags: Insurance Insurance Policyholder

Craigslist, Ebay and other Ways to Make Cash on the Side


09 Dec 2009

Queercents.com is back and we thought it would be good to start out with an article about money making in these tough times.

In today’s tight economy, many people are finding themselves in need of extra money due to a job loss, higher bills or other worries. While fewer people are spending, you may still find that you can bring in a little extra money online. Keep in mind that some services may charge fees and have additional costs that can reduce your overall profits. Working smart can help you make extra money off items you have around the house or simple old fashioned hard work.

E-Bay remains a popular choice for both buyers and sellers. While seller fees have risen in recent years, e-Bay remains a good option if you need to sell collectibles, electronics, or higher quality items. Small items and handmade goods sell rather poorly on e-Bay and fees may eat up your profits if the margin is slim. Avoid selling items with a poor profit margin and take advantage of flat rate shipping options offered by the US Postal Service for the most convenient shipping. Y

Full Article…

Posted by admin No Comments

Raising Capital: Equity vs. Debt


09 Dec 2009

In November 2008, Donn Flipse was forced to close one of his three flower superstores in Florida’s Broward and Palm Beach Counties. Nine months later, Flipse expanded by acquiring the business of a retiring florist in a wealthy section of South Miami. Those two events normally would have led Flipse to lean on his $500,000 line of credit. But that credit line had been personally guaranteed by a family member who, because of a decline in that person’s own finances, was unable to continue the guarantee. Flipse paid off the revolving loan with “the only thing available”—money from two of his grown children, both of whom are shareholders and sit on the company’s board. Now, for the first time in its 19-year history, Field of Flowers, which employs 46 people and expects to bring in $6 million in sales this year, doesn’t have bank financing.

Like thousands of other small business owners with good credit histories, Flipse also found his credit-card companies lowering his limits. He plans to pay back his kids in early 2010, after the Valentine’s Day and Easter rushes bail him out. “

Full Article…

Posted by admin No Comments

Page 5 of 6« First...«23456»