The last budget speech saw an increase in car tax and a 2p rise in fuel costs effective from October 2008. Critics believe that these increases will put a strain on car drivers who are already paying the highest ever prices for fuel, another bone of contention is whether the tax cuts for greener ca…
The last budget speech saw an increase in car tax and a 2p rise in fuel costs effective from October 2008. Critics believe that these increases will put a strain on car drivers who are already paying the highest ever prices for fuel, another bone of contention is whether the tax cuts for greener cars will encourage drivers to consider cleaner transport.

The only good news for drivers that came out of the budget changes was that the Chancellor decided to delay to 2p increase on fuel prices until October 2008, however since the cost of fuel is already at an all time high currently at 106.1p per litre.

Ashton Berkhauer, an insurance expert at uSwitch.com said: “The budget announcement may prove a bitter pill to swallow for Britain’s 41.7 million motorists. Only those drivers opting for the least polluting vehicles, currently representing just 0.2% of all cars on the road will be incentivised.”

The head of insurance.co.uk, Steve Grainger said: “For those who are already stretching to meet petrol prices, October will arrive all too quickly.”

There has been a lot of speculation in recent months that the highest polluting vehicles will start to face penalties and environmentally friendly drivers will be rewarded. So the announcement that from 2010 drivers with the most environmentally friendly vehicles will not pay any tax in their first year was no surprise. The most polluting vehicles can expect to see an increase in the price of their tax, Band G vehicles are expected to see an increase of 233% from ?300 to ?1,000 in the first year.

Berkhauer said: “Drivers of green vehicles are best off financially. Our research shows that eco-friendly car owners currently save ?165.40 a year on fuel compared to those driving standard cars. The increase in October will boost this saving to almost ?170 a year.”

“The new proposal could see larger family cars, such as the Renault Espace, being subjected to the same tax as a new Lamborghini Gallardo. An extra ?1,000 may be small change to a Lamborghini buyer considering the ?126,350 price tag. However, this could be a real strain on an average family’s budget.”

It is estimated that Britain’s roads will house 55,900 green cars by the end of 2008, although this only makes up 0.2% of all UK registered vehicles.

Some critics are disappointed that the Chancellor hasn’t done more to encourage green transport. Tescocompare.com’s spokesman Matthew Dransfield said: “We fully support today”s announcement to encourage consumers to be more environmentally conscious when buying a car. However, we are disappointed that the Chancellor did not look wider to the cost barriers for purchasing green cars and consider cutting Insurance Premium Tax for these cars as an added incentive to go green.”

Car insurance for a green car can cost ?50 more than a non-green car of a similar size and with similar features because it costs more to repair green cars. Dransfield explained: “With the average car insurance premium being ?400 - the removal of the 5% insurance premium tax on “green” cars would make the cost of insuring one equivalent to a similar standard car. Motorists can do a lot to cut their carbon emissions as well as their insurance costs by reducing annual mileage, having their car serviced regularly, regularly checking tire pressure and limiting the amount of time spent idling, all of which will increase fuel efficiency and decrease carbon emissions.”

There are a couple of car insurers who offer special policies for green vehicles and customer’s attitudes towards green vehicles are changing dramatically meaning that more insurers will need to offer reasonable policy prices for green vehicles.

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Like any other type of insurance, shopping for auto insurance can cost you a lot. There are several factors that will help determine your best choice when it comes insurance policies. These include the laws and regulations of the state you are living in, age, driving records, and your other needs….
Like any other type of insurance, shopping for auto insurance can cost you a lot. There are several factors that will help determine your best choice when it comes insurance policies. These include the laws and regulations of the state you are living in, age, driving records, and your other needs. It is important for you to look into different insurance policies and prices. This way, you will be able to shop for affordable car insurance that fits your requirements well. But other than driving records and age, the car that you are driving also determines the rate of the insurance. If you want to educate yourself regarding the different types of auto insurance, you can check out insurance auto pro.

Sports cars are very cool, with sleek exteriors and interiors. However, they are not the lowest cars to insure. The reason for this is that sports cars lead to more accidents and damage since they more often than not driven fast. You seldom see owners of this kind of vehicle driving slower than sixty miles per hour. With such high-speed driving, the chances of getting into an accident are high. Sports cars are also more likely to be stolen. On the average, sports cars in the United States get stolen more. When incidences of stealing or accidents happen, insurers are compelled to pay expensive liabilities. This is the reason why they charge highly for this type of cars, and why these types of cars definitely do not belong to the list of lowest cars to insure.

If you want to avail of affordable car insurance, your vehicle should have maximum safety features. Among these are airbags, anti-locks, alarm systems, and steering wheels that are lockable. When your car lacks these features, there is more possibility that it will get stolen. Make sure that your vehicle is equipped with safety features to help lessen the cost of insurance policies. When your car lacks certain elements that ensure safety, you might want to have them fitted with it to have them labeled among those lowest cars to insure.

When you want to shop for low-cost auto insurance, look around different insurance products first. Determine which car model or make requires cheaper policies. After you have gathered enough data, you can buy a car that complies with the safety specifications of car insurance companies. Compare the features that you have searched for from the Internet. While comparing, you are more likely to find a car that will help you avail of cheap insurance policy rates. You have to remember that there are vehicles that require expensive insurance like sports cars. When you have an existing car but it does not comply with the safety requirements of car insurance companies, you might want to install safety features to your vehicle.

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If you are planning on taking your cars on holiday this summer, you need to make absolutely certain that your car insurance policy covers all eventualities across the border, including in particular, protection for breakdown or if you are involved in an accident.

According to research ca…
If you are planning on taking your cars on holiday this summer, you need to make absolutely certain that your car insurance policy covers all eventualities across the border, including in particular, protection for breakdown or if you are involved in an accident.

According to research carried out by Marks & Spencer Money, a shocking one in five drivers who took their cars on holiday last summer had taken out the appropriate cover in case their vehicle broke down, and only a third were insured against theft and damage. The majority of motorists are unaware of the fact that while their fully comprehensive policy will cover them adequately on British soil, this does not necessarily extend to the Continent with only one in ten policies including European breakdown cover. Consumers are advised to shop around for the best motor insurance deals as well as the cheapest breakdown cover; it might even be worth asking your neighbours how much they are paying and where they purchased their motor cover.

Most insurance policies will only provide the minimum legal requirement third party cover when driving outside the UK. However, comprehensive policies offered by insurers such as the AA, esure, Churchill and Endsleigh will still apply on the Continent. M&S Money’s motor insurance also includes comprehensive and breakdown cover as standard, but with all policies you need to check how many days driving abroad you are covered for. The majority will apply for up to 90 days, however, others will limit you to 30 so make certain that you have investigated this prior to your trip or you could find your holiday being cut short.

Another point to research while planning your vacation, is whether the country you intend to visit is included as one of the locations your insurance provider deems applicable to cover you for when driving abroad. Those countries that are within the jurisdiction of the European Union will have the same rules as the UK, and this includes Switzerland. However, if you are travelling to a non-EU destination you can add comprehensive cover abroad at a relatively low cost. Taking out full comprehensive cover is definitely worth considering, as thieves are more likely to target cars bearing foreign number plates. Moreover, the chances of having an accident is highly increased due to the fact that you are driving in places that are unfamiliar to you, not to mention the fact that in most cases you will be driving on the opposite side of the road than you are used to.

If your policy will not permit you to include European breakdown cover free of charge, the AA and RAC offer stand-alone policies which you can purchase for a potentially lower cost. The AA’s prices start at around ?64.80 for a fortnight’s holiday for a family of four in mainland Europe, and ?117 for annual cover, with each trip lasting up to the maximum 90 days. Breakdown cover from the RAC includes you and up to seven passengers across 47 countries. Policies tend to start from ?10 a day, but the cost may be affected somewhat by how many people you are travelling with, the age of your car, the places you intend to drive through as well as the dates you are going to be on holiday, peak periods dependent on destination may hike up the cost. Members of the AA and RAC are entitled to a discount. There are also 10% discounts available when you buy your policy over the internet.

Basic facts to be aware of when driving abroad are as follows: in most cases the driver must be over 21, as the majority of insurers will not provide comprehensive cover for use on the Continent; you must have with you both parts of your full and valid driving licence; original vehicle registration documentation; an up-to-date MOT certificate; a GB sticker if you do not have an EU number plate with the GB symbol and a spare set of car keys. In some countries you may also require a first aid kit and a hazard triangle in case you are involved in a road accident. Take the correct precautions and have a safe journey.

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Many couples have been merrily breezing along then, IT happened. There was not enough money to meet all the monthly obligations. Living in the suburbs, a two-paycheck family with 2 children with soccer, little league baseball, golf and club memberships, spas all sandwiched and woven into the tapest…
Many couples have been merrily breezing along then, IT happened. There was not enough money to meet all the monthly obligations. Living in the suburbs, a two-paycheck family with 2 children with soccer, little league baseball, golf and club memberships, spas all sandwiched and woven into the tapestry of the McDonald family. Steve and Karen had considered themselves, being well educated and well read, above the fray of the struggles of the other “Jones”. There was no reward unworthy of their attention.

Suddenly the kitchen table, with a stack of unpaid bills, became the center of their universe. Steve and Karen came to a quick conclusion, that they now had a severe financial problem. Denial was no longer an option. Previously, Steve and Karen had noted in the church bulletin announcing an ongoing class in credit counseling. Churches and other non-profits became aware of the degree of pain and deep divisiveness that a credit challenged family will undergo. Many a credit crisis ended in divorce and even a loss of their home and much of their self-respect. It has been found anyone going through this credit-challenged period may suffer mental depression, which can magnify health issues. Masking with alcohol abuse or worse just prolongs the inevitable. This ongoing program had some success with several couples. Testimonials touted the change in enrollees credit situations over time. Early on it was noted that a blue print could be provided and worked out, but the parties have to repair their credit themselves. It was a Do-It-Yourself Credit Repair program. The helping hand was right at the end of the elbows of each couple.

The meetings turned out to be on a Monday evening. Because this was a family based program focused on getting every member of the family on board; the children were in attendance with childcare provided on site. Depending on the ages of the children, there was a segment allocated to exactly what was going on with the whole family involved with individual family break out sessions. Later on, it would make for short family discussions of why this or that activity or entertainment needed to be changed or cut back. At this break out session, a family consensus was necessary on a course of action to proceed to the next step. Each enrolled couple needed to pay for a credit report from each of the three main credit bureaus. This generally ran $10-$12 per credit reporting agency or a little over $30. You can get a free credit report from the bureaus, but it does not have the credit scores, which will serve as a ready benchmark for progress in the program. The first order of business was to deal with the shame and embarrassment of a couple finding themselves in this situation. With ready credit being offered with each delivery of mail, all you have to do is sign your name and you got some plastic money. Like drugs, “Just Say No”.

With the credit reports in hand and each outstanding bill with account numbers and contact phone numbers carefully catorgized on a summary sheet together with a priority selection of secured debt and unsecured debt the process began. Secured debt would be a house payment, car, etc. If one does not pay these secured debts they foreclose on the house or repossess the car. Unsecured debt is the credit cards. Armed with income, tax with holding, history of income tax refunds and such a budget was roughed out for each family. At this point, decisions on the order of importance of the debts would be hashed out and decided. The key to a proper work out is to start the communication process with creditors immediately and include them in your plan to rebuild your credit.
The counselor went over their situation and a plan was developed and agreed to. For now, the McDonalds needed to focus on paying 100% of the secured debt. So the house and car payments (for now) would be paid on time and as agreed. The unsecured debt, such as all the credit cards, would need to be worked out with a reduced payment plan. The counselor shared that this would not be the first time that anyone had contacted them with a work out plan. In no case, should any work out plan with a credit card company be worked out that cannot be maintained. If nothing else, go for severely reduced payment plan or share that the alternative would be nothing. That has consequences, however.

There are really only three things that can be done in this situation. Increase income, reduce expenses, or do both. In this case, Steve got a part time job. Unnecessary expenses were eliminated. Both cars were upside down, meaning they owed more than they were worth. Nine months of over payments got the car loan below book value and they were sold. Two good used ones were bought. Deals on every credit card were worked out at lower payments. Every card except one was cut up. Club memberships were terminated-no contracts. Golf was in the park shagging balls and the kids kept the soccer and little league play going. In 18 months the McDonalds had cash flow help through credit repair.

Dale Rogers
www.brokencredit.com

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The Visa card consumers will enjoy easy online access to register their purchases and they can file their claims. VISA provides this free service to the benefits of its consumers. The consumer can shop with confidence, knowing that virtually everything they purchase with their covered Visa card is…
The Visa card consumers will enjoy easy online access to register their purchases and they can file their claims. VISA provides this free service to the benefits of its consumers. The consumer can shop with confidence, knowing that virtually everything they purchase with their covered Visa card is protected in case of theft or damage for the first 90 days from the date of purchase. This is really a specific feature of ths VISA card. Provides automatic protection of many retail items purchased with the consumers eligible Visa Business card. Also provides return protection, that means if a cardholder makes an eligible purchase with their Visa card and is dissatisfied with that item within 90 days from the date of purchase, the cardholder is eligible to receive reimbursement on items they purchase. There are hundreds of VISA Credit card offers are available in market. Let”s see the benefits and detailed descriptions of specific offers.

Hawaiian Airlines® Visa ® Platinum: The Intro APR is 1.9% for the period of 6 billing cycles. The annual fee is $50 for platinum plus and $25 for preferred card. Provides 10,000 bonus miles with first purchase and 1 Hawaiian Mile for every net retail dollar spent up to 100,000 miles per calendar year. Provides 2,000 miles each anniversary for a cardholder and 2 Hawaiian Miles for every dollar spent on tickets purchased directly from Hawaiian Airlines up to 100,000 miles per calendar year. There si Total Security Protection with this card.

Mexicana® Airlines Visa® Platinum: The Intro APR is 1.9% for the period of 6 billing cycles. The annual fee is $45 for this card. The card members receive 1 free companion ticket coupon, after their first purchase and also receive a $99 companion ticket coupon each year there after. The card members will earn 1 Frecuenta Mile for every dollar they spend in net retail purchases and earn 2 Frecuenta Miles for every dollar they spend with Mexicana Airlines. Also provides 4,000 Welcome Miles when the card members join the Frecuenta Program and 2,000 Anniversary Miles each year.

Starbucks Card Duetto™ Visa®: This VISA card offers 0% intro APR for up to 6 billing cycles, there is no annual fee and a wide range of Visa benefits. The card members will get $10 Duetto Dollars in their Starbucks Card Account when they make their 1st Visa purchase and get 1% of all their Visa purchases back in Duetto™ Dollars. Provides fast and frequent rewards at Starbucks.

United Mileage Plus® Signature Visa® Card: This card offers 20,000 Bonus Miles One-way, 1,000 mile, One-class Upgrade Certificate and $25 United Discount Travel Certificate after first purchase. Also provides 1 mile for every dollar spent on purchases – up to an annual cap of 60,000 milesVisa Signature Benefits.

BP Visa® Rewards Card: This card offers double rebates for two months and 5% rebates on all participating BP location purchases. Provides 2% rebates on all eligible travel and dining purchases and 1% rebates on all other eligible purchases. There are no limit on rebates and the card member can redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund.

Volkswagen Platinum Visa® card with Rewards: This card offers 0% Introductory APR for up to twelve months and there is no annual fee. The card members will earn 2 points for every dollar on VW purchases and 1 point for every dollar spent on all other purchases. The card members can redeem points for VW cars, gear, service, and other rewards.

Borders 3.2.1 SM Visa®: This card offers 0% Introductory APR for up to twelve months and there is no annual fee. The card members will earn 3 points for every dollar spent at Borders®, Borders Express, Borders.com, Waldenbooks® and Waldenbooks.com, 2 points for every dollar spent on eligible Gas, Dining and Grocery purchases and 1 point for every dollar spent anywhere else. There is no cap on points earned. The card members can redeem points for Cash or Rewards.

Sony CardSM: This card offers 0% Introductory APR for up to 12 months and there is no annual fee. Provides 1,500 Bonus points after first use, 1 Sony Reward Point per dollar spent, 3 Sony Reward Points per dollar spent on Sony products and 5 Sony Reward Points per dollar spent at MySony. The card members can redeem points for Sony products.

BoatU.S.™ Platinum Plus® Visa® Card: This card offers 0% Intro Annual Percentage Rate (APR)on balance transfers and cash advance checks for the first 12 billing cycles. The card user can earn 1 point for every net retail purchase dollar spent and also he can redeem points for travel, merchandise, gift certificates, and cash. Provides Access to the MyConciergeSM service, a unique personal assistance service. There is absolute fraud protection against unauthorized use, online and offline. And there is no annual fee.

Chase Platinum Visa® Card: This card offers 0% Intro APR for up to 12 months on purchases and balance transfers. There is no annual fee. The time period for the introductory APR and the balances to which it will apply will be based on the review of the applicants application and credit history. Provides flexible rewards program such as the card members will earn one point per dollar spent and they can redeem for their choice of Cash Back, Merchandise, Travel or Gift Cards. Provides free online account access and free travel services including Auto Rental Insurance and Worldwide Travel Accident Insurance.

Chase Free Cash RewardsSM Visa® Card: This card offers 0% fixed APR for up to 12 months on all purchases and balance transfers. There is no annual fee. The card members will earn 1 point for every dollar in purchases and they can choose from a variety of great brand name products. Provides 1,000 Bonus Points with their first purchase and the time period for the introductory APR and the balance transfers to which it will apply will be based on the review of the applicants application and credit history. The card members can get their rewards with as few as 2,500 points and they can choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned.

Bank of America Visa® Platinum Plus®: This card offers 0% Intro Annual Percentage Rate (APR)on purchases and balance transfers for the first 6 months.There is no no annual fee. The Credit lines as high as $25,000. Provides online Banking Service and Total Security Protection.

Financial Rewards® Visa® Platinum Plus® Card: This card offers 0% Intro APR on purchases and balance transfers for the first 6 billing cycles. The card members will earn 5 bonus points with their first purchase and the earned points do not expire for 5 years. Provides online banking service and total security protection. There is no annual fee.

Citi® Hilton HHonors® Visa® Signature Card: This card offers 15,000 Hhonors Points with the very first purchase. The card members earn Double Dip® and receive both Hilton HHonors Points and Airline Miles for the same stay at Over 2,500 hotels and more than 55 participating airlines. The card members will earn three HHonors Bonus Points for every dollar spent using the card at Hilton Family Hotels, plus two HHonors Bonus Points for every dollar spent on other purchases. Provides complimentary silver VIP membership for the first year. There is no annual fee.

The Chase Business Cash Rewards Card: The card user will earn up to 5% cash back with unlimited rewards potential. There are no merchant or category spending restrictions, the card memeber can earn points by shopping wherever he want, for whatever he want. Provides 0% APR on purchases and balance transfers for up to 12 months. There is no annual fee. The card user can opt for additional cards for his employees.

Bank of America Student Visa® Platinum: The Intro APR is 19.24% and there”s no intro period and no annual fee. This card helps the card user to build his own credit history. No cosigner required for this card. provides features like online banking service and Total Security Protection.

Wired Plastic™ Prepaid Visa® Card: No upfront payment required for this card. The applicants will recieve their new Visa card in as little as 3 days. Provides overdraft Safety Program – Qualify to receive up to a $1500 cash advance directly to the card. The card members will earn 1 point for every $1 spent, redeem points for; LD Phone Calls, Prepaid Wireless Airtime and Music Downloads. Provides Integrated Bill Pay Service that means the card members can pay any bill online or over the phone, even if they don’t accept credit or debit cards. Also provides convenient loading options – Free Direct Deposit or add cash instantly at over 100,000 retail locations nationwide.

Chase Overstock.com Rewards Visa® Card: This card offers 0% Introductory APR for up to 6 months and there is no annual fee. Provides $25 Bonus Overstock.com Reward certificate after the first purchase. Provides more great savings like the card members will earn 3 rewards points on purchases made at Overstock.com with their Overstock.com Rewards Visa card. The card members can Save every where they shop. Also provides 1 rewards point on all other purchases. That means the card members will earn 1 point for every $1 spent at places such as grocery stores, gas stations, restaurants and more. For every 2,500 Rewards Points, the card members will automatically receive a $25 Overstock.com Reward Certificate.

Chase Flexible Rewards Platinum Visa® Card: This card offers 0% Intro APR and the intro period is 6 months. There is no annual fee. The card members will earn 1 point for every dollar spent and the card members can earn travel fast! that means all their purchases earn points for them. Also provides 0% introductory APR for up to 12 months on all purchases and balance transfers. The card member can save even more with low rates. The time period for the introductory APR and the balance transfers to which it will apply will be based on the review of the applicant”s application and credit history.

Chase Travel Plus Platinum Visa®: This card offers 0% Intro APR and the intro period is 6 months. The annual fee for this card is $29. The card members will earn 1 mile for every dollar in purchases and they redeem their points for flights, hotel stays, car rentals, cruises and more! Provides the option to choose from over 250 airlines without restrictions. Also provides 0% Introductory APR on purchases and balance transfers for up to 12 months. The time period for the introductory APR and the balances to which it will apply will be based on our review of your credit history.

The WorldPerks® Visa®: The Intro aPR is 17.75% and there is no intro period for this card . The annual fee is $55. The card members will earn up to 10,000 Bonus Miles with the WorldPerks® Visa® Card and the WorldPerks Visa Card offers a fast and easy way to earn additional WorldPerks miles without leaving the ground. The card members can also use their WorldPerks Visa Card to charge everyday purchases as well as large purchases like home furnishings and travel, and earn WorldPerks miles for the dollars they spend. Now that Northwest Airlines® is a member of the SkyTeam® Global Alliance, the card members will have even more redemption opportunities! Combine the miles they earn with their Northwest Airlines flight miles and other partner miles to earn award travel faster on Northwest Airlines, KLM Royal Dutch Airlines, Continental Airlines, Delta Air Lines, Alaska Airlines and other qualified WorldPerks Airline Partners.

Alaska Airlines Visa® Signature: The Intro APR for this card is 15.24% and there is no intro period. The annual fee are $75 for Visa Signature® and $45 for Preferred. But there are certain considerable benefits such as $50 round-trip companion ticket upon approval and on each anniversary as a cardholder. 5,000 Bonus Miles upon approval and 1,000 additional bonus Miles upon approval for applying online. 2,000 Anniversary Bonus Miles. The card user can redeem miles with Alaska or any of its 10 airline partners - award travel begins at just 20,000 miles. Additionally this card provides 1 mile for every net retail purchase dollar spend.

Money Return Visa® Platinum: This card offers 0% Intro Annual Percentage Rate (APR) on purchases and balance transfers for the first 6 billing cycles. The card user gets back 10% of yearly interest charges and there”s no annual fee, provides Online Banking Service and Total Security Protection.

Pet Rewards™ Visa®: This card offers 0% Intro APR and the Intro Period is Six Billing Cycles. There is no annual fee. Gives 500 bonus points after first purchase. 1 point for every dollar spend on everyday purchases and rewards begin at just 750 points. The card user can earn points toward veterinary services, pet food discount certificates, and shelter donations also earn two PetRewards Points for each dollar spend at participating veterinary clinics, pet food retailers, farm and feed stores, and neighborhood pet specialty stores.

Chase Freedom Cash: This card offers 05 intro APR and the APR period is for 6 months. There is no annual fee. The card member can Earn 3% cash back for every eligible $1 spent in purchases at Grocery Stores, Stock up on food, household goods and more. Also earn 3% cash back for gas station purchases such as using the card for fuel, repairs, car washes, and other purchases. The same 3% cash back offers also applicable for purchases at Quick Service Restaurants, the rewards add up fast from pizza to hamburgers to tacos - even sandwich shops, coffee houses and more. The card members earn 1% cash back for every $1 spent in purchases everywhere else. The card members get a $50 Check once they have earned $50 in rewards. The card members can save up to $200 in rewards and redeem for $250 cash back.

These are some of the recommendable offers available in market. But please go through the terms and conditions carefully before applying for a credit card.

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Purchasing a new car can be a very exciting time, particularly if you are finally getting rid of that unreliable old banger that has been causing your stress and costing you money for many years! However, for most people buying a new car means having to take out finance, and this is the part of car…
Purchasing a new car can be a very exciting time, particularly if you are finally getting rid of that unreliable old banger that has been causing your stress and costing you money for many years! However, for most people buying a new car means having to take out finance, and this is the part of car purchasing that can become quickly confusing and frustrating. However, there are a few different options available to those looking for car finance, and a number of steps that you should consider when considering getting finance for your car.

How to finance: There are a number of options open to those that want to take out a car loan. You can check with your bank to see what they have to offer in terms of car loans, and for homeowners there is the additional option of taking out a secured loan, which will mean the availability of longer repayments terms and lower monthly repayments. You should check on the interest rates that are on offer to see what sort of loan will best suit your needs, and also by finding out how much you can borrow you will have a far better idea of the type of vehicle you should be looking at. When you take out a loan to purchase a car one of the major benefits is that you can get your car from any showroom, or even purchase privately, rather than having to purchase from a particular place.

1. Consider PCP: PCP or Personal Contract Purchase has become a popular option for many people looking to get their hands on a new car. This is where you take on a personal contract with a provider, whereby at the end of a specified term, such as three years, you can hand back the vehicle to the provider or you can choose to purchase it. Throughout the term and whilst you have the vehicle as part of the PCP you continue to make set monthly repayments on it.

2. Dealership finance: Some people decide to opt for finance through a dealership, but this something that you should carefully consider before rushing in. Often, dealership finance can work out far more costly, although for some consumers, such as those with poor credit, this may be the only choice and is likely to be very costly. This also means that you have to choose a vehicle from that particular dealership, which means reduced choice.

3. Taking out a personal loan: This can be in the form of a homeowner secured loan, or an unsecured loan. Financing you new car purchase via a personal loan will give you the flexibility to either buy from any garage or buy privately if you know about cars and what to look out for mechanically. As a “cash” customer you may be able to negotiate a much better deal.

4. Finding a reputable showroom for your purchase: As with any other type of business, when it comes to showrooms there are less than reputable companies that will practically twist your arm to make you buy a vehicle, and then there are showrooms that will offer help and advice in assisting you to find a vehicle and will not rush you into a decision. In order to avoid ending up at a showroom with overly pushy sales staff, inflated prices, and a dodgy reputation you should ask around and even look at online reviews wherever available.

5. Extended warranty: Most reputable dealerships will offer some form of warranty when you buy a new or used vehicle. However, you will most probably be asked about taking out an extended warranty, and there are pros and cons to this. The downside is, of course, that it is all extra money and can be pricey. However, the obvious benefits are that you will be covered against certain problems and repairs for a longer period, which can offer real peace of mind particularly if you are buying a used car.

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Liability to value added tax (VAT) VAT is charged on the value of supplies of taxable goods and services made in the UK, including some exports to EU countries. It is also chargeable on imports of goods from outside the EU.
The main rates are zero and 17.5%, but a few supplies are charged at 5%….
Liability to value added tax (VAT) VAT is charged on the value of supplies of taxable goods and services made in the UK, including some exports to EU countries. It is also chargeable on imports of goods from outside the EU.
The main rates are zero and 17.5%, but a few supplies are charged at 5%.

Registration
The supply of any goods and services, which are subject to VAT at any rate are called taxable supplies whether you are VAT registered or not. All traders must register for VAT if they make taxable supplies which exceed the set limits. Where the value of taxable supplies in the previous 12 months was more than ?61,000, or is likely to exceed this annual limit within the next 30 days, the trader has to register within 30 days. Failure to notify on time attracts penalties.

The VAT system
A registered trader must charge customers output VAT on any sales. The value of input VAT can be offset against output VAT and the excess output VAT is paid over to Customs and Excise. Where there is an excess of input VAT, tax may be reclaimed.

Some input VAT cannot be reclaimed:
• Purchases of motor cars, except cars bought wholly for business purposes.
• Business entertainment expenses.
Most businesses have to account for VAT at the date that the invoice for the supply is raised. However, traders can claim VAT bad debt relief on debts more than six months old that have been written off.

Traders with a turnover of not more than ?660,000 may account for VAT on a cash basis rather than an invoice basis, thereby obtaining automatic relief for any bad debts. This limit is due to be increased to ?1,350,000 probably from 1 April 2007, subject to EC approval.

Exempt supplies

Certain supplies are exempt from VAT. Output VAT is not charged on such supplies and, in principle, input VAT attributable to such supplies cannot be reclaimed (or the claim is restricted).
Relatively small businesses may be able to reclaim all their input VAT - even for their exempt supplies. The input VAT attributable to their exempt supplies must not exceed ?7,500 a year and must be no more than half the VAT on all their purchases.
• Exempt supplies include: insurance, finance, health, education, and burial and cremation services.
• In general, leases and sales of non-domestic land and buildings, other than newly built ones, are exempt, unless the option to tax has been exercised.
• A taxable person may choose to charge output VAT on supplies of existing buildings and land (including rents) that are not used for residential or charitable purposes.
• Sales of new buildings are standard-rated unless they are used for residential or charitable purposes.

Zero-rated supplies

If a business makes zero-rated supplies, it does not charge VAT on supplies but can reclaim input VAT.

Zero-rated supplies include :
• Most food and some drinks - but not catering, restaurant meals or hot take-away food.
• Domestic supplies of water and sewerage.
• Books and most other publications.
• Sales of new residential buildings and buildings for use by charities.
• Supplies of services by contractors when constructing new residential buildings or buildings for charities.
• Alterations to some buildings where listed building consent is needed.
• Public transport of passengers.
• Drugs, medicines and aids for the disabled.
• Clothing and footwear for children.
• Exports of goods and certain services to non-EU countries.
Reduced rate supplies

Some supplies are charged at a rate of 5%. They include:
• Domestic power and fuel and certain energy saving materials for residential or charitable use.
• The grant funded installation of heating equipment and the connection of a mains gas supply in the sole or main residence of an individual aged 60 or more or in receipt of social security benefits.
• Woman”s sanitary protection products.
• Children”s car seats.
• Cycle helmets.
• Conversions of residential property into a different number of dwellings, certain conversions into care homes or multiple occupancy dwellings, and certain renovations or alterations of property that has not been lived in for three years.
EU single market

Where sales are made to businesses that are registered in other EU countries, the supplier need not charge VAT.
• The customer”s VAT number must be shown on the sales invoice. Jobs2india.
• The customer is then responsible for accounting for output VAT on the goods on its own VAT return, but may claim input VAT if the goods are for use in making taxable supplies. Convert2cad.
• However, output VAT must be charged on sales to private individuals in other EU states. Where such sales exceed that state”s registration threshold, the trader must register for VAT in that state. Btassociate.
Collection of VAT

Registered traders normally have to submit VAT returns, and pay any VAT due, every three months.
• Traders who regularly reclaim VAT from Customs and Excise may apply to submit monthly returns.
• Some large companies have to pay monthly.
• Tax on imports from outside the EU has to be paid at the time of importation, unless special arrangements are set up.
• Traders with a turnover of ?1,350,000 a year or less can complete annual returns only, making nine monthly VAT payments on account, with a final payment due along with the year-end return.
• Very small businesses can simplify their accounting by applying to pay VAT at a flat rate on total turnover without deducting input tax. The business must have taxable turnover (including exempt supplies) up to ?150,000 and total turnover of not more than ?187,500. The rate is determined by trade sector.
• Penalties are charged for late or incorrect VAT returns.
• A default surcharge of between 2% and 15% of the VAT payable is charged where returns are late.
• A penalty of 15% is charged for serious or persistent misdeclarations.
• Interest can also be charged on VAT paid late.

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The purpose of cheap unsecured loans is to enable borrowers to take out loans at rates and costs that suit their pockets; and as there is no need to offer collateral these loans prove extremely popular with tenants, non-homeowners and students who perhaps don’t actually own any assets like a home o…
The purpose of cheap unsecured loans is to enable borrowers to take out loans at rates and costs that suit their pockets; and as there is no need to offer collateral these loans prove extremely popular with tenants, non-homeowners and students who perhaps don’t actually own any assets like a home or a car.

Cheap unsecured loans carry cheaper interest rates without the need for any collateral and they can be used for a multitude of purposes such as debt consolidation, weddings, holidays, cars, education or home repair or renovation to name but a few.

The repayment period for cheap unsecured loans can range from as little as 6 months to 10 years and the loan amount can be anywhere from ?1000 to ?25,000. Availing this type of loan is also a very quick process as there is no need spend time with valuations, as there would be perhaps with secured loans.

Cheap unsecured loans are also open to borrowers with a poor credit history such as CCJ’s, bankruptcy or IVA, defaults, arrears etc and still carry a cheaper interest rate, however a better interest rate will be given to borrowers with a good credit history.

As with all financial products it is always a good idea to research and shop around to get the best rate and also the most applicable terms and conditions for your needs. Cheap unsecured loans can be obtained at banks, high street financial institutions and also on-line. By applying and availing a cheap unsecured loan on-line you will find the process easy, convenient and very quick. It is simply a case of completing an on-line application form and when you receive the quotes you can select the loan from the lender offering the best overall deal to suit your needs and requirements.

In the main cheap unsecured loans are available for borrowers who either don’t possess collateral or perhaps don’t want to offer any collateral to avail the money they need, at the time that they need it and with a pleasantly cheaper interest rate.

Auto insurance is not a luxury but a necessity. And in order to get the maximum advantage experts recommend that you should shop around for auto insurance every 2-3 years. As policies change and newer players enter the market there are so many new attractive auto insurance schemes that you could be…
Auto insurance is not a luxury but a necessity. And in order to get the maximum advantage experts recommend that you should shop around for auto insurance every 2-3 years. As policies change and newer players enter the market there are so many new attractive auto insurance schemes that you could benefit from. You should consider changing your auto insurance when:

• You are availing a huge mortgage to buy property and the bank or institution offers you a lower interest rate on home and auto insurance through their tie –ups.

• You have moved to another state where the auto insurance rules are different and you will make a saving by transferring your insurance to a new car insurance company. Or when your old car insurance company does not offer service in your new state.

• You want to cut costs and are trying to run your life on a budget. Shop around online for competitive auto insurance rates and change the car insurance company to one who offers the best deal.

• You have purchased a new car and the dealer is offering free insurance for three years. New cars have lower insurance rates so it is best for you to do a comparative study and find a car insurance company that offers a great deal. Car insurance rates vary greatly between car brands and types; find out which car insurance company offers the maximum coverage for the lowest rate.

• You are getting married and now will have two cars. Think about cancelling your individual car insurance policies and getting a joint one for both cars. Similarly if your family is growing and you have many cars used by adults as well as kids, ask auto insurance companies about group insurance schemes that will cover all the cars and drivers in your home. Most companies offer great discounted rates for combining car insurance policies.

• You are retired and now a senior citizen. Car insurance companies offer discounts to those who are 55 and above. There are a great many discounts available for a car that has a good insurance claim record, a car that is not driven every day, and a car that is single driver driven and well maintained.

• You are eligible for coverage through your new job. Many large companies have facilities like auto insurance schemes at premium rates lower than the market. If you are working in such a firm then you must consider cancelling your old policy and taking a new one with the car insurance company chosen by your workplace.

• When the rates being paid by you are high and your car insurance company shows no inclination to offer you a competitive rate. If you are paying too much for car insurance its time you changed your car insurance company to one that is offering you great facilities and rates.
Whatever the reason to change your car insurance company, the World Wide Web has sites where you can compare offers as well as quotes. Sites like LowerMyBills.com give quote comparisons in a click. So, read all you can about car insurance and the companies and determine which car insurance company offer will suit you best.

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Really cheap auto insurance , know how to get one.

Looking for really cheap auto insurance? Everyone tries to save money in insurance premiums are interested in buying really cheap auto insurance There are different ways to purchase really cheap auto insurance and we are going to dis…
Really cheap auto insurance , know how to get one.

Looking for really cheap auto insurance? Everyone tries to save money in insurance premiums are interested in buying really cheap auto insurance There are different ways to purchase really cheap auto insurance and we are going to discuss the same for all our visitors on this page. In case you do not own a car and are planning to buy one then consider asking your auto insurance agent about the cars that have cheaper insurance premium, please also remember to get more options before making a decision. Understand it this way, If your car is more likely to be stolen , mostly likely you”re required to pay high premium, see the list of good cars for insurance companies, and try to think the way they do.

The 10 easiest car to get insured:-
1. Oldsmobile Silhouette
2. Pontiac Montana
3. Saturn L Series Wagon
4. Chrysler PT Cruiser
5. Saturn L Series Sedan
6. Chevrolet Venture
7. Chevrolet Astro
8. Saturn Vue
9. Jeep Wrangler
10. Oldsmobile Bravada

As a rule of thumb , the larger trucks and cars are usually the easiest and cheapest to insure, as long as they do not do heavy damage to other vehicles in an accident. If you total another person’s vehicle, your rates will definitely increase.

Top 10 hardest car(most expensive) to get insured :-
1. Lexus IS 300
2. Land Rover Discovery Series II
3. Audi S4
4. Jaguar X-Type
5. Mercedes SLK Class
6. Lexus GS 430
7. Land Rover Freelander
8. Mitsubishi Montero
9. BMW X5
10. Toyota 4Runner

Top10 most stolen car
1. Honda Civic
2. Toyota Camry
3. Honda Accord
4. Dodge Caravan
5. Chevrolet C/K 1500
6. Ford F-150
7. Dodge Ram Pickup
8. Acura Integra
9. Toyota Pickup
10. Nissan Sentra

The best possible way to have really cheap auto insurance is to drive safely and do not get tickets. Make sure to negotiate with your insurance company about your clean driving record, and if they hesitate to provide you really cheap auto insurance, try another you surely will get the benefit of being a good driver. Ask the agent or the company upfront if they are offering any discounts. It might save you some cash on the insurance purchase. Even in case you have an old car that has a very low selling value, make sure that you have proper insurance plan to protect yourself in case of an accident .

Oh ya, a reminder from me, Insurance companies are inter-linked with each other, it’s better to be honest with them. That’s why providing precise and accurate information to get free auto insurance quotes is really important , make sure you give the same information to every insurance company. Don’t simply try out by filling the quotes with different information, they have information exchanged everyday and they would know. You will end up getting free auto insurance quotes which are much more expensive and there will be no chance to lower the premium down.

More Really cheap auto Insurance information can be located at : www.Get-Insurance-Today.info

All the best,
David

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