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  • Car Insurance

  • More Drivers Seek Car Insurance Advice on Social Media

    Social media networks are quickly becoming a primary source for car insurance advice and shopping tips.

    A survey from the Gartner research firm suggests that more consumers trust online commentary and reviews from other users. “The majority of consumers rely to some extent on social networks to guide them in their purchase decisions,” said the research firm.

    The reason for the shift? Only 14 percent of shoppers put faith in traditional advertisements while an overwhelming 78 percent rely on user-generated commentary and product reviews.

    Three out of four Americans now use social technology, with thousands joining Facebook, Twitter, YouTube and other networks daily. And while word-of-mouth has always been the most popular form of marketing, social media is word-of-mouth on steroids.

    Take this example: Jody Walsh, a receptionist in Oregon, uses social media on a daily basis. After a fender-bender left her rear bumper smashed last month, she filed a claim. “They sent me to a cut-rate body shop to get it replaced. It took almost a week and, when I finally got my car back, the bumper was painted a slightly different color.”

    After complaining to her agent, she was told to take it up with the body shop. “He totally washed his hands of the situation,” she said. “It was very frustrating.” So, she decided to vent her frustration online. “I posted about it on Facebook and got dozens of suggestions from friends. After I finally got my bumper repainted, I cancelled my policy and switched insurers.”

    In the era of social media, a scathing review like this can send shockwaves through a company. The average Facebook user has 130 friends; Jody’s post went out to over 500.

    Insurers are beginning to understand the power of social media in today’s market. That’s why sites like Facebook, which has 149 million users in the U.S. alone, have become promotional battlegrounds for local and national insurers. Farmers Insurance currently leads with over 131,000 “likes” from Facebook users; State Farm trails with 96,000.

    But people are not only researching car insurance online, they’re buying online, too. A recent J.D. Power survey found that 54 percent of car insurance purchases are initiated online.

    Social media networks are quickly becoming a primary source for car insurance advice and shopping tips. A survey from the Gartner research firm suggests that more consumers trust online commentary and reviews from other users. “The majority of consumers rely

    April 10, 2016 | 0 comments | View Post

  • 2012 Boss 302: The Backstory

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    or 2012, Mustang Boss revives a legendary name known for uncompromising performance on the road and the track. Arriving in 1969, the first Mustang Boss was forged from a simple mandate by Ford management to the designers and engineers: Create a Mustang that would be unbeatable on SCCA race courses and local drag strips alike.
    By then, Mustang sales success was assured thanks to its sporty nature. As a true high-performance icon, however, the car’s history had yet to be written. That changed when company leadership decided to pursue dominance in the popular SCCA Trans-Am road racing series. They chose to homologate their new NASCAR 429 engine using the Mustang, directing engineers to begin creating performance that would become legendary.
    The result – Boss – spanned three engine configurations across two Mustang bodystyles, each of which remains a coveted classic among enthusiasts and collectors today.
    With styling tweaked by newly arrived Ford designer Larry Shinoda, the new-for-1969 Boss 302 sported front and rear spoilers, a blacked-out hood treatment, and racy side stripes for a look that screamed performance.
    Under the bodywork, the Boss 302 didn’t disappoint. Its engine combined a four-bolt main Windsor small-block with reworked heads from the then-new 351 Cleveland engine. A forged steel crankshaft, connecting rods and pistons rounded out the reciprocating assembly. The result was a free-breathing, high-revving powerplant making what Ford claimed was 290 gross horsepower – though actual output is estimated to be significantly higher.
    Ford engineers also thoroughly massaged the Mustang’s suspension in an effort to meet then-boss Semon “Bunkie” Knudsen’s mandate to “build absolutely the best-handling street car available on the American market.” Stiffer springs and shocks, special sway-bar tuning, a stiffened chassis and wide tires led to the fastest Mustang ever to lap the Ford test track up to that point.
    While the Boss 302 was intended to be a perfectly balanced road race car, the Boss 429 had a decidedly different mission in life – uncompromised acceleration. Although the exterior appearance was similar to that of the Boss 302, the 429 engine under the hood was a heavily detuned version of a new Ford NASCAR racing powerplant.
    The choice of Mustang as the model used to meet the 429’s homologation requirements – rules dictating a certain number of a manufacturer’s stock car engines were actually sold in production vehicles – was considered unusual given that Torino was Ford’s NASCAR flagship at the time. Plus, the effort required to shoehorn the huge 429 between the narrow Mustang shock towers dictated that the cars were heavily modified under the skin – work farmed out to Ford vendor Kar Kraft. Much of the front suspension was re-engineered to make the transplant work, and the battery was relocated to the trunk to provide additional room.
    Even with special chassis bracing and a unique rear sway bar, the “Boss Nine” was at its best when pointed in a straight line: With a few owner modifications to undo the factory detuning, the car could yield quarter-mile times in the low-12-second range. That performance, coupled with big-block appeal and low production numbers, has conspired to make the Boss 429 perhaps the peak of Mustang collectibility.

    or 2012, Mustang Boss revives a legendary name known for uncompromising performance on the road and the track. Arriving in 1969, the first Mustang Boss was forged from a simple mandate by Ford management to the designers and engineers: Create

    April 10, 2016 | 0 comments | View Post

  • Life Insurance

  • What If You Are Gay And Want Life Insurance?

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    You are possibily going to want life assurance cover if you would like to protect your income or your health should you become very il and incapable of working – something which is extremely essential for single people or people with dependents, plus a same-sex partner.

    Furthermore there are instances, like buying a home property, when life insurance may be needed. Insurers might want to be acquainted with the fact that you are gay. They will require you to fill in an application document which will involve information on whether your live-in partner is in the homosexual sector.

    The question may not be instant but the company will consequently post out an intrusive questionnaire on daily life.

    It would be tempting not to release information or to provide made up details but this will only make your insurance invalid and is subsequently an extremely bad idea. Besides, this could cause substantial difficulties when submitting an application to other insurance companies.
    When the application form has been filled in, you may then be requested to undergo a blood test to discover wether you are Human Immunodeficiency Virus (HIV) positive. There are no  fixed rules on testing and companies are fairly random in their selection procedure.

    If  it turns out that you are HIV positive, it would be problematic to purchase products associated with life assurance cover. Just having the blood test alone can result in a rebuttal of cover by some insurers, even if the test is negative.

    Even having passed all the tests satisfactorily various insurers will in spite of everything double or treble your premiums. A lot of companies will be adamant that they want Human Immunodeficiency Virus (HIV)  testing for homosexual gentelmen who request income protection or critical illness cover even though neither would settle an HIV related claim.

    Michael Smith, of Smythes and Co, a financial adviser situatued in the Life Insurance Shop in Cheshire, says: ‘it’s  not nice knowing the insurance company can claim ownership to some of your blood.” Unsurprisingly the test and blood tests can be distressing.

    He suggests that you take the test on your own  terms before involving  an insurer. To avert insurance companies having the right to sections of your medical records, a number of people advise getting drug or STD treatment at anonymous clinics which are available in almost every city or town. The National Aids Helpline or the Henry Jacobs Trust should be able to assist you in locating the right one.

    There is currently an agreement among The ABI  and The British Medical Association (BMA) whereby doctors should not be asked to give details on Sexually Transmitted Infections (STIs) and negative HIV  tests. Different proposals will help to make the risk assessment undertaken by insurance more up- to- date by making certain that protected sexual behaviour, rather than sexuality, is the criterion.

    You are possibily going to want life assurance cover if you would like to protect your income or your health should you become very il and incapable of working – something which is extremely essential for single people or people

    April 10, 2016 | 0 comments | View Post

  • Family Life Insurance

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    Most people try to be prepared before starting a family. Couples usually consider if a house is big enough, their income, jobs stability, and if they know anyone reliable in case something happens.
    At American Income Life we provide life insurance coverage and help young families in case of an unpredicted accident. So along with the fun stuff like decorating your new home, deciding on your baby’s name, and choosing your vacation as a family, also think about the crucial things, like life insurance.
    Life insurance is very important especially when you’re considering having a child. A life insurance policy can relieve some of the final expenses which result from the death of a loved one.
    Family life insurance can be very helpful with covering future expenses. We all want the best for our children. What if we don’t get the chance to help them receive the best education? That’s where your life insurance can make things a little easier and support your children with tuition costs in the event of your death.

    Most people try to be prepared before starting a family. Couples usually consider if a house is big enough, their income, jobs stability, and if they know anyone reliable in case something happens. At American Income Life we provide life

    April 10, 2016 | 0 comments | View Post

  • Easy Loan

  • Make Your Life Faster with Online Loans

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    Every type of work should get served instantly only as a result of involvement of online practices every where. Since, monetary needs are one of the key requirements of one’s life, it too is sent to you fast by using online service. Now, Online Loans are making the ideal of having an immediate monetary help true and you also arrive here dozens of facilities which you access with the traditional one.

    Online loans are the loan facility that’s provided to you practicing a totally online processing. These financing options are faster at approval and help you get an instantaneous financial solution for your needs. Numerous lenders are for sale to these services that produce your approval vary fast. An easy online search can expose you using a number of options available there. You are able to apply here for your loan facility with simple online form which is fulfilled shortly.

    Online loans will come for you in numerous forms. Depending upon your needs you opt for anybody. The loans that are generally available listed below are personal loans, pay day loans, car loans, mortgages, bad debt loans, and debt consolidation reduction loans.

    The complete variety of loans are further categorized into two forms which can be obtained either in secured or perhaps unsecured form. Based upon picking a the shape for any particular loan facility, you may be asked for a certain qualification. For instance, the secured form needs a security within you while unsecured form is granted assessing your income level and repaying capability.

    The speed of great interest with online loans usually remains somewhat higher, but the stiff competition on the market has moderated it considerably. The rate of interest not at all times remains same and may also vary with all the form and circumstances along with you while availing it.

    Online loans are also available a bad credit score holder, with there being several options available there that don’t discriminate the borrowers for a bad credit score. So, even though you have a bad credit score score, it is possible to for these loan facilities.

    Every type of work should get served instantly only as a result of involvement of online practices every where. Since, monetary needs are one of the key requirements of one’s life, it too is sent to you fast by using

    April 10, 2016 | 0 comments | View Post

  • Direct payday loan lenders

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    When considering always a paycheck, it is best available with direct payday loan lenders there are two types of go paycheck advances, loan brokers and direct lenders. Direct payday advance loans come directly from the source, people are actually lend you the money straight payday loans are quick and easy. You can book by phone or apply online. The application only takes a few minutes and once approved, the money in your account within a few hours, and often even before Always check the condition of being that are not always direct loans and cash advance a loan from a broker. You save a lot of money by choosing the right lender There are many lending institutions direct their online presence. Almost anyone can get a payday personal loan from such suppliers. However, if you are looking for online lenders, you must be careful to do some research before getting a credit card company at the time of your need some demand for direct payment by a lender, you save because you do not pay the costs of the Committee. Fees to be paid when a lender or a broker network for cash loans will be short, if you research and compare the various activities of the direct lender payday loans, you will be able to find the lowest interest rates and those that you are able to get the money the fastest. And ‘advisable that you go with a loan of confidence and well-known direct payday lenders.

    When considering always a paycheck, it is best available with direct payday loan lenders there are two types of go paycheck advances, loan brokers and direct lenders. Direct payday advance loans come directly from the source, people are actually lend

    April 10, 2016 | 0 comments | View Post

  • Credit Cards

  • New online credit card scam hits consumers

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    Scareware scammers have found a new way to target consumers by impersonating credit card companies through spam emails that supposedly notify ‘customers’ that their credit card has been blocked.

    The fraudulent emails are very convincing and resemble spam emails that are more commonly used for phishing attacks. The emails are well detailed and advise readers to open an attached file which supposedly contains information as to why the credit card was been blocked – but in fact executes a program that runs in the background of the users’ computers, downloading a rogue anti-virus package.

    Users are then prompted to purchase anit-virus software that has no real value through a series of bogus warning messages, designed to trick them into believing the software is legitimate. In some cases the ‘anti-virus’ software actually disables existing security packages while also connecting to a botnet of compromised PCs.

    According to Websense, the timing of the scam may have some significance. Websense has warned internet users to be vigilant.

    Amon Sanniez, a security researcher at Websense Security Labs said: “People worried about being away without a card that works, or afraid their card info was leaked in one of the many data breaches that has hit the news lately, may lower their guard and click on the attachment.

    Scareware scammers have found a new way to target consumers by impersonating credit card companies through spam emails that supposedly notify ‘customers’ that their credit card has been blocked. The fraudulent emails are very convincing and resemble spam emails that

    April 10, 2016 | 0 comments | View Post

  • Best College Student Credit Cards

    imageWhat’s the best credit card for college students? Some would argue that there isn’t one and that college students should avoid credit cards at all costs. On the other hand, the argument can be made that wise student credit card use could lead to many benefits down the road.  I can only speak from my experience with student credit cards. For me a credit card in college was the quickest way to access credit and to start building my credit. Even though I messed up (a few times), I was still able to build my credit and buy my first investment property in my early-20s. You can also start to build you credit in college.
    But I’m not here to preach.  Below you’ll find a quick review of five credit cards designed for students which are all good to own.  If you decide to apply, make sure to stay within your credit limit and ALWAYS pay your bill on time.

    What’s the best credit card for college students? Some would argue that there isn’t one and that college students should avoid credit cards at all costs. On the other hand, the argument can be made that wise student credit card

    April 10, 2016 | 0 comments | View Post

  • Other Recent Articles

  • Provide loans of honor

    The Ministry of Industry gave nearly 2,700 loans of up to 60 000 pesos to zero or loans of honor (to be returned only if the project succeeds) to young entrepreneurs across the country. The National Bank presented the third section of Line 400 exclusive bonus SMEs with the Ministry of Industry and allows SMEs […]

    April 10, 2016 | 0 comments | View Post

  • Credit card and bank account

    Having a credit card is actually a great thing, although most are hard to obtain for those with a less than perfect credit history. The restrictions for getting most credit cards are so tough that those who have bad credit may find it almost impossible to get a credit card, or are stuck with very […]

    April 10, 2016 | 0 comments | View Post

  • Modern Car Insurance Changes

    There are big changes on the way to how car insurance benefits will work for Licensed drivers in Ontario. Starting September 1, 2010, the Ontario Government through the Financial Services Commission of Ontario (FSCO) announced Ontario Regulation Number 34/10; which changes how auto insurance works. The Ontario Government makes changes to Ontario’s car insurance around […]

    April 10, 2016 | 0 comments | View Post

  • Banorte bank accounts to mobile

    Before the banking process performed by the Mexican financial system, Banorte created a bank account in which the holder is free to go to the branch opening, it may operate via mobile phone and banking correspondents.

    April 10, 2016 | 0 comments | View Post

  • Historical Past And Principles Involving Insurance

    A determination because of your insurance company you will be not covered is simply not the final expression, but only the start of a process to obtain the insurance which you bought. Your group health care insurance broker is accountable to providing answers so that you can questions similar around nature. There are a lot […]

    April 10, 2016 | 0 comments | View Post

  • The Steps to Get a Cheaper Personal Loan

    Getting a cheapest personal loan is not an easy task, as in the current economy, the interest rates and the additional fees related to the loans tend to vary a great deal and the lenders often charge a lot of money to ensure that they are covered if you can not make the payments. However, […]

    April 10, 2016 | 0 comments | View Post

  • How to compare credit card offers?

    A credit card is a plastic friend in our pocket to help us in any bad financial situation. Just like choosing a good friend we are in need to choose a best credit card. We have many types of credit cards which we can use according to our financial ability, some types are listed below: […]

    April 10, 2016 | 0 comments | View Post

  • Motor Insurance Quotes

    Motor Insurance Quotes: Why Do We Need It and How to Lower Its Premium? motor-insurance-quotesChecking Motor Insurance Quotes is one thing we should do if we want to buy a vehicle. It is because there are so many assurance companies that serve services that look similar, but actually serve completely different policies and price. Therefore, […]

    April 10, 2016 | 0 comments | View Post

  • Business Bank Account

    What features are important for a small business bank account? When comparing business bank account offers, the rates, offers and specials can be confusing. What are the most critical aspects that I should review when deciding to open a small business bank account? Is the size of the bank important? You might have heard the […]

    April 10, 2016 | 0 comments | View Post

  • Term Life Insurance

    Inexpensive term life insurance to cover your income producing ability is a product that is really needed today to give peace of mind. Life insurance in Australia was originally conceived to protect a man’s family when his death left them without income. Over time is has developed into a variety of policy plans. In a […]

    April 10, 2016 | 0 comments | View Post