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Archive for March, 2010

Understanding How To Insure A Private Passenger Vehicle

Wednesday, March 31st, 2010

Many people that are getting insurance for the first time don’t understand all of the technical aspects of the process. Insuring a vehicle is an important part of owning any vehicle whether it’s new or used. If you’re looking to insure a passenger vehicle then you will want to understand what type of coverage you should get based on your vehicle.

You will be looking at getting one of two types of coverage for your vehicle. There are three factors that will help you choose what type of insurance you get. You will want to consider the type of car you have, how old it is, and how much value it has. Many cars that are older have very little value to them and only need liability. However if you have a new car or a car that still has a lot of value to it then you will want to get full coverage. This is because full coverage will cover your car in the event of an accident.

This may be your first time getting car insurance so you will want to factor in the value of your car versus how much you will be paying for in insurance. An easy way to do this is to add up the cost of your insurance over 3 years and compare it to the value of your car. If the insurance costs are greater than the value of your car then you will want to get liability only. If the costs are less than the value of your car then you should get full coverage.

The other type of insurance that you can get as an alternative to full coverage is liability only. Liability coverage will cover you if you are at fault in a car accident. In most states that you are required to have insurance you will be required to at least have liability coverage. Liability only should be used if your car is older or has very little value to it. This is because liability will not cover your car in an accident situation or if it gets vandalized.

If you want to protect your car from being vandalized then you will want to add another type of insurance on to your insurance plan. Comprehensive insurance isn’t a standalone insurance plan as it only protects your car from damages not due to an accident. Typically this will include fire, theft, weather, as well as some other conditions.

Comprehensive insurance is not a standalone insurance policy. It’s an add-on to your insurance to help cover damages that aren’t due to accidents. This type of damage is usually caused by vandalism or dangerous weather conditions. You will usually find this insurance in a full coverage plan however you will want to adjust the deductible accordingly. It’s important to note that if you change your deductible you will also change your monthly premium. This is handy if you’re looking to lower your overall premium.

You may be eligible for a premium up front discount rate if you pay your 6 month premium all at once up front. Most companies will only do this type of discount if you pay the first six months or a year up front.

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading Car Insurance portal, which provides cover for all Car Insurance types.

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Protecting Your Plasma TV

Wednesday, March 31st, 2010

The price of plasma TV sets have been dropping like a stone over the years, making them within reach of almost all middle class families. But, at the same time, there are few facts that everyone should know about their plasma TV.

A few people have been put off buying a plasma TV on the basis of a myth that has been spread, which is that these types of TVs only last 2-3 years before needing to be replaced. This is totally untrue, and the manufacturers of plasma TVs generally claim that you can watch them for at least 60,000 hours before they start to falter and fail.

Apart from taking some protective measures, like keeping it in a large space and providing it with a strong platform like a stand or a wall, you need to get a TV screen protector. A TV screen protector will protect the screen from damage. It is a fact that plasma television screens are extremely delicate and fragile.

The point of a TV screen protector is to take the damage, such as cracks and scratches, which would otherwise fall upon the screen of the plasma TV. Think of them as a shield or bodyguard for your plasma TV. A screen protector is purposely built to take ‘abuse’, whereas a plasma screen is not.

Keeping your TV clean is important to maintaining the high definition picture. Dust particles that would normally get stuck to the plasma screen will be deposited on the screen protector and you will be able to clean them easily and with little fear of harming the TV with chemicals or sprays. This will also help keep the television looking like brand new years after installation. Stopping unwanted scratches and damage to the screen.

A properly designed TV screen protector will be thick enough, 6MM or roughly 1/4″ of an inch. It should be held off the TV a distance to allow it to flex, 1/4″ or so. It also should be held securely onto the TV. An ideal solution is a lip on the top of the TV screen protector that allows the TV to carry the weight of the TV screen protector and straps going around it to secure it on the TV.

Michael Cunningham owns TV Armor, a TV Protector company located in Freehold, NJ. Thousands of LCD and LED TV screens are scratched or cracked each day to accidental contact with the screen. Pick up a TV Screen Guard before it happens to you. Protect Your TV!

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What Can You Do?

Wednesday, March 31st, 2010

There is no lack of good financial education content available-and much of it is even free and available on-line. The problem is execution. Unless we take the time or make the time to teach our children about money, chances are they will never learn it.

We are still not teaching money skills in school. While there are many wonderful organizations dedicated to improving financial literacy, and they are reaching more children every year, can you afford to wait? Can your children afford for you to wait?

I have also talked to many parents who have the fear of needing to have the right answers and taking the time to teach their children. At least we can encourage them to learn more and support them. In today’s day and age, often we are learning together with our children. Instead of having to be the one with all the answers I have trained myself to become a leader more than an instructor. It is critical that we as parents draw out of our children and not just try to put in. Our children have access today to the same information that we do, so let’s learn together. Let’s achieve together.

The other frustration I have is the lack of actual “Action Steps” in all the information available. There are a lot of lessons, and a lot of “you should’s”, but not enough “here’s how’s.” There is little or no practical advice, so I understand when other parents, say “I just don’t know how to get started.” This program has been developed as a result of that frustration. Some of the action steps we will provide will make sense and feel good to you while others may not work for you or feel like “too much effort.” Listen to your own inner voice as to what you want to do, and will do. If you’re ready to turn your concern into action, you will find definitive action steps that you can take to teach your children the basic financial principles they will need to not only survive-but to thrive-in the world they face.

Pay Your Family First is a company dedicated to creating and providing financial education products that teach financial education in a fun and experiential way. Our goal is to ignite the entrepreneurial spirit as well as the love for learning in young people today. For more information please visit www.payyourfamilyfirst.com.

The credit card regulations which went into effect on February 22, 2010 will prevent credit card companies from soliciting within 1000 feet of college campuses. While this is a huge step in the right direction it is still critically important for parents and grandparents to teach their children about money. Let them stub their toes while they are still at home instead of breaking their legs when they leave home!

Sharon Lechter can help you with your Money Issues.

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