Tips on HOW TO SAVE MONEY ON YOUR MOTOR INSURANCE

If you have a motor vehicle, insurance is a necessity. Here are ten TIPS to cut the cost of your car insurance.

1.       Stop Around

Many people just renew their insurance with the same company for convenience. However, by spending time shopping around you can be offered a range of quotes some of which could save you hundreds of pounds. In as much that you’re reading this blog means you got internet access. So why not try www.comparethemarket.com. The site compares the insurance markets in an instant.

Other sites to check out: www.gocompare.co.uk; www.confuse.com

2.       Restrict the number of drivers

The less people who drive your car, the cheaper your insurance should be. Don’t insure it for ‘any driver’ if only you will drive it. If you insure your teenage children to drive your car, it will bump up your policy, just like stating ‘any driver’ can drive the car. If more than one driver does drive the car, the person named as the main driver may influence the cost of the insurance. Example, if husband and wife drive the same car, having the wife as the main driver may cut the cost slightly. The main driver shouldn’t in high risk job.

3.       No claims

The more years of no claims, you have the cheaper insurance should be, so consider wisely before you make a claim. If you have reversed into your fence, it may be better getting your car fixed at your local garage than claiming off your insurance, since no one else is involved.

4.       Make Your Car More Secure

Make your car more resistant to thieves. Get your car fitted with alarm and immobiliser and some insurance companies will offer you a 10% to 20% discount. If you keep the car in the garage at night, tell the insurer, this could give you an extra 10% off your premium.

5.       Lower Mileage

If you don’t travel much a year, you could get a discount, because the less you use the car the less you are likely to have an accident, so less risky you are to insure.

6.       Extra Voluntary Excess

Many policies require you to pay excess to make a claim, but if you opt to pay more you could get a discount.

7.       Get correct Policy

Make sure the policy the company is offering is suitable for you. Some companies automatically add money on for cover overseas. Check this out. If you need it, fine, otherwise, ask to be taken out.

8.       Check out Owner’s Club

Sporty or classic car owners’ club usually offers insurance cover cheaper as compare to the big names. Check it out.

9.       Get A Different Car

If the insurance is ridiculously high, then may be the kind of car is the problem. Maybe change to smaller car, a British made which is usually easier to repair.

10.   Third Party Policy

If every company is quoting high, there is the option of taking out Third party fire and theft cover. These are cheaper, but they don’t offer same standard of protection. Consider this option very carefully. It may not work out to be beneficial as fully comprehensive cover, if you did have an accident.

How to Change a Flat Tire

What you’ll need

-          A fully inflated spare tire

-          A jack

-          A lug wrench

-          A pair of gloves (optional)

The spare tire is usually found under the floor of the trunk or under the rear of the trunk. Make sure that it’s properly inflated. The jack should be there as well. It is possible that it is missing or incomplete especially if you bought the car used. Most cars comes with a lug nut remover, that‘s nearly useless. Buy one that’s ‘cross’ shape wrench. This one will give you a much better shot at removing a frozen wheel lug. Make sure that one end of the socket fits your wheel lugs securely.

Step 1. Find the right Spot.

Before you begin, find the right spot that is safe, out of the way of the traffic, and a level  area. It’s dangerous to jack a car on an incline.

Step 2. Get the Spare Tire, the Jack and the Jug wrench.

Step 3.  Loosen the lug nuts

There are usually 4 or 5 lug nuts near the center of the wheel. Sometimes these are hidden under the hubcap. If this is the case, use the end of the jug wrench handle to remove the hubcap by inserting it at the edge of the hubcap Assuming that using the recommended ‘cross’ shape wrench, loosen the jug nuts by putting the right end of the wrench that fits the nuts properly. Turn the wrench counter clockwise. Hold it at opposite ends and use the leverage to loose the lug nuts.

Here are some tips if you have the trouble of removing very firmly tightened lug nuts.

-          Hold steady the wrench and step down hard on one end

-          Place your foot carefully into the wrench, holding on to the car, step with your full weight. Bound up and down on that end until the lugs loosens.

-          Extends the length of the wrench by inserting the end to a bigger metal tube making this an extended leverage and make easier to loosen the lugs

Turn the lugs until loose enough so that you can do it by hand without the use of the wrench. Do not totally remove it yet. Do the same to the rest of the lugs.

Step 4. Jack up the car.

To get the wheel off, you’ll need to raise that corner of the car, enough so that it just touches the car. Almost all jacks are raised by inserting the jack’s handle into a socket on the jack body and turning the handle.

Position the jack properly. Each car manufacturer has a designated place for the jack contact. This is the spot where the jack lifts the car. It is usually a foot in front of and inside the front wheel, and a foot behind and inside the rear wheel. Make sure that this is flat on the ground, then continue turning the handle (of the jack) so that the car rises off the flat tire, and giving it a few extra turns to make enough room for the fully inflated tire that replaces the flat one.

Step 5:  Remove the flat wheel.

Remember you left the lugs on the wheel? It’s time to remove them totally by hand. Put them aside, in the hubcap, if you have one. Grab the wheel by two sides, at the 3 o’clock and 9 o’clock positions and pull it out. Roll the flat tire on one side.

 Step 6: Put the inflated tie on.

Grab the wheel by two sides,  again at the 3 o’clock and 9 o’clock positions. Visually try to align the holes of the wheel over the threaded shafts that they fit over, and then slide it until you cannot push any further

If there’s not enough room, put aside the inflated wheel and turn the handle of the wrench a few more times, then try the above procedure again.

Using your hands put on the lug nuts. Using the wrench turn them so that they all rest against the wheel, but don’t tighten them yet. Lower the jack so that the tire just rests on the ground. Tighten one of the lug nuts well. Do the same on the one exactly opposite the one you’ve just tighten. Do the rest exactly the same. If you have 5 lug nuts, tighten every one until they’re all tight.

Step 7: Get Ready to Hit the Road

Lower the car fully by turning the jack handle the other way. Take the jack out and under the car, continue turning the handle until the jack is fully closed.

If the wheel has a hubcap, replace it. Hold it one side in place and banging on the opposite edge with the back of your hand, side of your fist, or the jack handle.

Put the flat tire in the spare’s compartment, or space bracket, secure it. Do the same to the jack and lug nut remover (wrench)

You are ready to hit the road again. Careful with your driving.

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How to PAY OFF YOUR MORTGAGE Early Without Paying Too Much Interest to the Bank

Most couples’ dream is to own their own house. No wonder most of us consider our home as our biggest investment and greatest asset. It represents financial security now and in the future. It is a wonderful automatic savings plan for our future.

Now a days, it is very difficult  a First Time buyer to get into the property/housing ladder because of the very stringent  credit criteria and deposit requirements of the bank/lenders. But for those who already got the mortgage/home loan, there’s a way to pay off your existing mortgage early and without paying too much interest to the lender/bank.

This is how it works.

Every time you make a payment, usually monthly, to your bank or Building Society, the money is going to pay off your mortgage. At the end of your mortgage term, you will be the proud owner of a property with a real tangible market value.

Due to the...’They don’t make land anymore...’ the value of the property cannot go down in the long term. Yes, just like any other commodity, there may be brief times in history when prices may stabilise or can drop 1% or 2%, but it is never long before prices will take off again. You will be seating on a golden nest egg which may will be worth a fortune by the time you retire.

So, HOW TO DO IT?

Simple, PAY BI-WEEKLY instead of the usual monthly. How you do that? Go to your lender/bank. Tell them you want to pay BI-WEEKLY instead of monthly. No, you don’t have to refinance you present home loan/mortgage. Ordinarily, a BI-WEEKLY payment program is set up with your present mortgage.

Start benefitting immediately. On the following illustration, you will see how much you would save over the very first year.

There are 26 BI-WEEKLY periods in each year. 26 one-half payments equals to 13 full normal monthly payments, as compared to 12 normal monthly payments in a year. Therefore, painlessly, you accumulate one (1) full payment each year. And it is this which is applied to reduce your home loan/mortgage balance, so your lender/bank charges you less and less interest each year, increasing your net worth/equity in your home quicker. Take note, you’re paying 15 days earlier and your payment were applied earlier thereby reducing your home loan balance and reducing the interest).

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How to do the PERCENTAGES

 
How to Do PERCENTAGES


Percent is a way to express a number as a portion of 100.

Percent means "per hundred" and is the amount out of 100. The symbol (%) is a simplistic way to write a fraction that has a denominator of 100. As an example, instead of stating 5 out of 100 people surveyed are women, you could state, " 5% are women." When working with percentage problems, write down the numerical information. This can help with finding the solution.

Instructions

1. Divide the number (N) by 100 to obtain a decimal, and then move the decimal point two places to the right    to obtain your percentage (P).

In the example above, N is 5 women out of 100 people so that...,
                  N / 100 = P
                  5 divided by  100 = .05, (that is.05), then move the decimal point two places to the right to make it 5, then put the percentage sign % to appear as 5%.

2  Convert a fraction or decimal to a percent by multiplying by 100.

Instructions: Divide the given amount (N) by the total amount (T) and multiply by 100 for the percent (P). i.e.,

          where P is the percentage, N is the number out of T, the total amount.

For example, 2 men (N) out of 10 (T) receives an equal share of the money from a property sold. Divide the given amount (N) by the total amount (T) and multiply by 100 for the percent (P).
          N/T x 100 = P
         2 divided 10 x 100 = 20 or 20%

3. Convert a percentage to a fraction.

     Instructions: Divide the percentage by 100 and then simplifying.

                        Example: 20% divided by 100
                                       20/100 = 1/5

4. Convert a percentage to a decimal.
       Instructions: Move the decimal two places to the left. (Note: The decimal point in a percentage is in the                    position of the percentage place)

           Example:  20% = 20.0 = .20
                           200% = 200.0 = 2.0

5. Convert to like measurements before calculating percent. When determining a percentage of differing measurements, you must first have all elements the same.

How to get that JOB

All the hard work of filling in Job Applications Forms or Writing CVs is likely to be wasted if the Covering Letter is not RIGHT.

Follow the following guide to the letter and that JOB could be yours. Follow the 10-point guide to making sure it does not undo all your good work.

1. Be Brief. The covering Letter should be a snapshot of your CV. It should have two concise paragraphs outlining the skills and experience that you reckon make you perfect for the position in question.

2.Address the letter to a particular person. If you do not know who to send your application to, phone the company and find out before starting it. This is vital with big companies that may have many recruitment officers dealing with different vacancies.

3.Do not handwritten letter unless an advert specified this. Recruiters are busy people and reading slows them down. It may also make them cross with you, which is not recommended.

4.If sending a similar letter to many companies, change details each time. An application that is obviously standardised will go straight into the waste bin.

5. Do not get someone else to write the letter for you. The style will not be yours and if you then get and interview that involves more writing, it will be difficult to back it up. But once a letter is written, it is a good idea to get someone else to look over it.

6. Do not use long words in the belief that it will make you sound intelligent. Professional writers use words of more that  two syllable only when absolutely necessary.

7. If you are not replying to a specific advert but are asking a company it it has any vacancies,say what skills you have, the kind of job you want and what you could bring to the business. If you do not, you run the risk of looking lazy.

8. Pick up on specific parts of an advert that appeal and demonstrate why you think you are suitable.

9. Do not complain that your present job is badly paid or that you do not get on with the boss. This is off-putting and will virtually guarantee a rejection. Instead, be positively enthusiastic. Make a potential employer think that this is the job for which you have been waiting all your life.

10. If still in doubt, remember that recruitment consultants can help with all aspects of an application. In fact, they will probably shepherd you through the whole thing.
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