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By Michael Challiner

Peter, our freelance journalists doesn’t take kindly to people driving into his beloved car. No, he doesn’t use his fourteen stone of gym-honed muscle to exact retribution nor is he into road rage. Of course he’s got his car comprehensively insured but he’s also covered another way. He’s got legal insurance. He included in his car insurance as an optional extra. This extra cover allows him to claim for costs and losses excluded covered from normal comprehensive and third party policies. So four months ago when his car was whacked from behind at the traffic lights, the legal profession swung into action! Not for free you understand, after all who’s heard of a solicitor labouring for free? No, but it was free to Peter his insurance company paid all his legal costs.

Whilst the garage appointed by his insurer made a beautiful job repairing his bent MX5, his comprehensive policy didn’t normally cover claims for personal injury or loss of earnings. So the extra 2 a month Peter forked out for legal expense cover, became money well spent. He’s already received compensation for the broken wrist he suffered and negotiations for his loss of earnings are well advanced. One-handed journalists aren’t much use in our office so he took a month off!

Legal expense insurance assists policyholders to claim back losses and compensation where the accident wasn’t their fault. The losses can include the cost of hiring a replacement car whilst yours is in the garage and, for those not comprehensively insured, the costs of having your car repaired. As in Peter’s case, legal expense insurance will also fund claims for personal injury and loss of earnings.

Cover for legal expense is one of those insurances that’s under rated until it’s called on. The insurer will run the claim for you and sends the settlement cheque at the end of the process. All you have to do is record the facts on the legal expense claim form, speak to the solicitor nominated by your insurer, be prepared to answer a few follow-up questions, and sit back. If the case goes to court, they’ll represent you and fight your corner although you may also have to attend.

Most car insurance policies sold on the Internet don’t automatically include legal expense cover it’s normally an optional extra. That’s because price competition on the net is so fierce that the insurers prefer to keep their headline premiums down as low as possible.

You’ll find that the optional cost of legal expense cover does vary from insurer to insurer. For example, More Than comes in at 17.85 per year, Direct Line 19.95, Churchill 21 and Budget 24 per year. Just a few insurance companies such as Admiral, include some legal expense cover for free.

So make sure you don’t forget legal expense cover when you buy car insurance. Complicated claims for compensation can drag on your years especially if severe injury is involved, and final settlements can end up in millions.

About the Author:

Brokers Online Life Insurance

specialise uk financial services including

Cheap Car Insurance

online

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By Jay Moncliff

Access to foreign exchange (forex), the most extensive market on the planet, is generally through an intermediary known as a forex broker. Similar to a stock broker, these agents can also provide advice on forex trading strategies. This advice to clients often extends to technical analysis and research approaches designed to improve client forex trading performance.

Financial institutions are generally the most influential in the forex market through high-volume, large-value forex currency transactions. Historically, banks enjoyed monopolistic access to the forex markets, but through the Internet, any forex speculator can also enjoy 24 hour access to the market via a forex broker.

Forex traders have the aim of using the smallest amount of one currency, say the US dollar, to purchase another currency like the British Pound. If supply of the pound lessens in a busy market, it will cost more dollars to buy pounds, and the forex trader hopes to sell their pounds at a higher than their purchase price.

Secure web connections today allow many forex traders to work from home, where ready access to news and other technical advice informs decisions on what forex positions to take. Similar moves are being made by stock brokers, who are also moving out of banks and other traditional institutions.

Your needs in the market will influence your choice of forex broker. Online forex brokerage firms, known as houses, provide those new to the forex market with detailed research, advice and simulators to learn how to use their forex trading tools. The experienced online forex trader is catered to by other broking houses, with in-depth advice, but less focus on forex trading instruction based on the assumption that you are familiar with the forex market. To make an informed choice, it is advisable to trial several differing online forex broking houses and their trading tools to find the best fit for your needs.

About the Author: Jay Moncliff is the founder of

forex-web.info

a website specialized on Forex Broker, resources and articles. This site provides updated information on Forex Broker. For more info on Forex Broker visit:

forex-web.info

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Submitted by: Joel Teo

Are you losing money in all kind of speculative instruments like share, bonds and forex and am wondering what asset class to invest in? Why not consider real estate investment with its traditionally higher yields as compared to leaving your money in your bank account. This article will highlight four common strategies that real estate investors use to make money in property investment.

Money Making Method #1 – Purchase run down property and spruce it up

This method involves finding a run down property in a good area that you think has promise for resale and sprucing it up like some of the shows where people do an extreme makeover on the property. Bring along a good structural engineer or architect when you do look for such properties so as to ensure that the renovation works that you have to do will not be so extensive that it does not become worth your while to purchase the property. Since the property is may be rather run down, you need to redecorate and repair it and then you can resell this real estate for a much higher price. The key consideration when investing in this kind of real estate is to keep your renovation costs low but ensure that the basic utilities like the electricity , water and gas pipes are in good working condition. Thus this buy at undervalue and upgrade real investment strategy requires good investment property valuation skills and the ability to keep your costs low.

Money Making Method #2 Find places with high rentals

Find areas with traditionally high rental returns that outperform the national average and then spend time looking for them and make money from the rentals. Here in this area of real estate investment, spending some time to find the real estate investment that is a bargain is a good idea so that you can get better return on investment.

Some people do not seem to get it that high rental yields are important to a real estate investor and think that most of their customers would pay anything to get a winter residence. I was at a property exhibition recently and spoke to a Spanish Real Estate Agent and when I asked her what the Return on Investment was on a piece of Bulgarian property that she was selling. Not only could she not even understand the concept of ROI but she even laughed off the question of rental yield when I asked her. I am sure she is not alone in his mistaken belief that people buy just because they like the real estate. Thus rental yields or return on investment is critical when you decide what type of real estate investment property to purchase.

Money Making Method #3- Purchase foreclosed property

Most people will know that foreclosed property usually fetches a lower price than the market value since banks are often eager to sell at a price that covers their mortgages or sometimes they just want to liquidate the property. Such properties tend to be auctioned off and you can then resell them for a higher value subsequently. However beware of hidden defects in auction properties and always arrange for a visit down to the property just to check it out.

Two people you should bring with you when deciding on a real estate investment is your professional engineer and your contractor. You want to check for hidden defects in your real estate investment to avoid buying a defective property that would cost loads of money just to repair. Thus purchasing foreclosed property may be profitable if you find a real bargain for your real estate investment portfolio.

Money Making Method #4- Cash Flow Investment

Robert T. Kiyosaki in his book explains this real estate investment strategy. He argues that the best investment you get is when you find a property at a bargain and then purchase it with as much debt as possible and then generate a cash flow from the difference between the monthly rent and the mortgage instalment. This method is highly interesting and requires you to really spend time looking for such a real estate investment that fits in that criteria.

Remember that real estate investment is dependent on rental and the higher the proposed rental the better your monthly cash flow is. You could also purchase the property at a lower price and this would mean that your monthly cash flow would improve. Note that once your property is partly paid up, you can refinance your loan and extract out some money and purchase a second property and so on. Soon you would have multiple streams of income from the purchase of one real estate investment property.

In conclusion, there are many ways to make money from real estate investment and what s missing is massive action on your part. Take massive action and start hunting for your ideal real estate investment property today and start generating substantial real estate investment property profits.

About the Author: Joel Teo takes a keen interest in real estate investment as part of a larger investment portfolio. For more tips on real estate investing check out our

real estate investment success series

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By Gerald Mason

When you have found a house in a desirable location that looks interesting, look it over carefully for evidence of quality construction or the lack of quality.

Does the house have the general appearance of being in good shape?

Do the doors swing freely, and do they fit the openings? A poor fit of the doors often indicates the foundation is settling.

Do the windows operate freely? If not, look out. Of course, sometimes paint may stick the windows and they can be pried loose and made to operate freely. Are the floors level and in good condition? If the floor is high in the center of the room, it is not because the floor has risen, but because the walls are settling.

Do not buy a house if the floors are not level. This situation is very difficult to correct and usually indicates a serious defect in the structure.

Look for evidence that water has been a problem. Are there spots on the ceiling or walls that show that water has been leaking around the roof area?

What about under and around the windows? Look around the bottoms of the walls near the baseboards for water marks. What about areas near the shower bath, or around the laundry trays?

What about water stains on the bathtub indicating a leaky faucet? Watch slab floors for signs of moisture; this might be indicated by buckled or uneven linoleum, or floor tile curled up at the corners. If you find many of these features, do not stop there, but keep on looking until you find another house.

If the floor is of frame construction, is the area under the house well ventilated? Crawl under the house and examine the framing under the floor.

Take your pocket knife and test the joists and sills to see if they have started to decay. Get up into the attic and look over the situation; it is surprising what you may discover. The two most important parts of a house are the foundation and the roof.

If these two are in good condition, it is a pretty good sign that the house is structurally sound. But structural soundness is not the only, or even the most important criterion to use in judging a house.

Study the Plan

The structure exists solely to enclose the space that you will live in. Study the room arrangement carefully. Does the passage from one room to another seem natural and easy, or do you have to walk too far to get anywhere? Do you enter the house gracefully?

Will the rain water drip down the back of your neck while you search through your purse for the key? Is there a closet near the front door for wraps? Do you come directly into the living room, or is there at least a hint of an entrance hall?

Will the living room be the principal passageway through the house, with traffic lanes across the carpet in a year or two? Where will you put the piano or the davenport? What about the television? Is there a good place for it and the spectators around it, where they can be out of the way of other activities?

Is the kitchen complete with adequate work areas where they will be convenient? Is there a good place to eat? Is there a place in the house for a dining table? What about the storage of food supplies?

Is the house light and cheerful, or dismal, dingy, and dark? A gloomy house can have a very depressing effect on a family.

Are there enough bedrooms, and are they large enough? Are wardrobes large enough, and fitted with rods, shelves and organized storage space? What general storage space is there for suitcases, fishing tackle, cameras, projectors, golf clubs, etc.?

Is there a special closet for cleaning equipment? Check the location and size of the bathrooms, and the arrangement of the fixtures.

In selecting a house, be sure to get the things in it that you have always wanted.

That is the reason you are buying instead of renting. If you want oak floors on a wood frame, don’t settle for asphalt tile on concrete, which is much cheaper to build.

Some people have trouble with their feet when they stand and work on hard cold floors, as concrete floors tend to be, even when covered with asphalt or vinyl tile.

If you buy a house to be paid for in twenty-five years, how old will you be when it is all paid for? How much repair will it need by that time? Will it still be a good house, or will it need to be replaced?

How long should a house last? If well built on a good concrete foundation and if the roof is kept in repair, a house should last several centuries. Many wood frame houses are still in use that were built in the colonial period of America.

They are still strong and in sound structural condition, but aside from their historic value, how well adapted are they to modern living? Houses do not ordinarily fall down; they just get out of date and show signs of the wear and tear of everyday living.

Minor repairs, patching and a good painting are all they need to be like new; that is, like they were when they were new. But fashions in houses change rapidly the same way they do in hats, except the fashion in hats may change a little faster than it does in houses.

When you do decide to purchase it is surprising how much you can save by using a mortgage calculator.

About the Author: How To Save On Your Mortgage:

Save Money With Mortgage Calculators

http://www.greatpublications.com/mortgagecalc.htm

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By Ed Sneineh

Many people heard of some awful stories about car insurance firms refusing to pay some car insurance claims based on definite ‘findings’ linked to the insured people. The problem that is asked very often: Does the insurance company have the rights to invalidate a car insurance policy after it policy is issued and even before a claim is paid? And if so, what are the situations under which an insurance company may withdraw an auto policy from the initial date of the policy? Before answering these questions, we need to be updated on a primary principle in the insurance business: The Principle of Utmost Good Faith. In Latin, this principle is also called uberrimae fidei.

The Principle of Utmost Good Faith is related to the doctrine underlining most financial contracts which require certain minimum standard from parties of the contract (ie the client and the insurance company) to act honestly toward each others, not to mislead, and not to withhold critical information from each others. That requires the insurance company, for example, to disclose its financial data, its claims procedures, etc. At the same time, the insured is required to disclose all pertinent information about self or about the subject of insurance, answer all questions in a truthful manner.

If a party to the contract breaches this doctrine and acts purposely in a different manner, then the other party will have the right to nullify the contract, or rescind the contract, or canceling the contract from the beginning like it never took place. Nullifying an insurance policy after a loss can be devastating not only to the person(s) insured, but also to other people that might have been involved in the car accident.

Answering the question above we can conclude that the car insurance company does indeed have the right to cancel the policy from the date of inception (the date the car insurance started, like no insurance has ever taken place.) The following are major reasons why insurance companies may do that:

A. Acts of Fraud. If an individual purchases a car insurance policy with the objective of tricking the insurance company then the insurance company has the rights to rescind (nullify) that policy. If someone pays for a full coverage automobile insurance contract on a car that is badly smashed with the intent of making claims on that damage later then this will be classified as fraud. In cases like this one the insurance company may also report this to the local authority for further examination. Deliberately hiding facts may be dubbed as fraud.

B. Misrepresentation. A representation is a statement made by the automobile insurance applicant(s) in the process of purchasing the car insurance policy. There are a few questions pertaining to age, gender, marital status, other drivers in the household, and driving history & records on the application. If the misrepresentation is material then the insurance carrier may have the right to nullify the contract.

What is a material representation? A material misrepresentation is related to the assumption that if the facts and truths were known by the insurance company, then the insurance carrier either would not have issued the policy at all, or would have issued it with different conditions and terms, and most likely would have charged the insured person(s) higher premiums. With that definition in mind, failure to report all modification of the insured vehicles, not disclosing youthful operators (under age 25) in the same household as well as failure to disclose motor vehicles activities related to the driving histories of all the people listed on the application, are all examples of material misrepresentations.

Insurance Fronting: Almost everyone knows that youthful drivers (broadly known as drivers under age 25 years) are charged higher premiums than other operators. If an insurance policy is procured under the parent’s name, while the driver is a young one then this is called fronting, and insurance carriers under these conditions do have the rights to rescind and nullify the insurance policy. While many companies pay for claims resulting from undisclosed youthful operators, others (especially if the claim is big) will fight and declare policy null and void (rescind policy.) This discussion about your auto insurance applies to your SR22 insurance policies and the non-owner insurance contract. All of these contracts are bound by the same rules.

It is forever better to tell all the details and facts when buying a car insurance policy because failure to do so may end resulting in you paying to accident’s claim from your own sack.

About the Author: Ed Sneineh, insurance professional for over 20 years, former college educator of insurance, and founder of Insurance Navy, a leader in providing Cheap car insurance quotes Chicago. Visit our website and get your Cheap SR22 insurance Illinois in 5 minutes or less. Insurance Navy represents major carriers such as AAA, Travelers, Progressive, Hartford, and more than 20 other carriers.

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By Jim Kibler

Auto insurance companies read this and Save 50% or more on your car insurance by learning how to buy cheaper auto insurance.

Everybody has their own idea as to which insurance company is actually the best but the truth of the matter is the best insurance company is the one that can give you and I do mean you the best insurance for the lowest price.

People have references when it comes to insurance companies and that preference may be determined by how many times you watch their commercials on television. We are overwhelmed by some company commercials telling us that they have the most discounts and the lowest prices and the best service and the friendliest people. What are you supposed to believe?

Do not let anyone tell you how to decide what to believe. Do your own research and then make up your own mind and you will make good decisions.

How to Lower your Car Insurance Rates with Insurance Companies:

1. Drop Comprehensive Insurance

You can save money on your car insurance by just getting a straight liability policy. Every state with the exception of a few requires people to have liability insurance and that’s all you really need. This will save you 20% or more on your insurance.

You will not be able to go with liability insurance if your car is financed because the finance companies will insist that you have comprehensive insurance in order to protect their investment.

2. Raise Deductible

If you raise a deductible up from $200 per accident to over $1000 per accident you will save a straight 40% on your car insurance.

It is always a good idea before raising your deductible to make sure that you have enough money on hand that you can pay any cost out of your pocket in the event you may cause an accident.

3. Park your Car in a Safe Spot

If you park your car locked garage you can save money on your car insurance as opposed to parking at a street in a high crime area.

4. Buy Homeowners Insurance and Car Insurance from the Same Company

If you do this you will get another 10% or more discount. I do this myself and even the direct automobile insurance companies cannot match the rates then I get with my company.

5. Good driving record will get you 10% discount. Be very concerned about what your driving record because automobile insurance companies love safe drivers and will reward them with lower rates.

If you have any issues with your driver license such as moving traffic violations, or if you have caused any accidents within the last five years go to traffic school and have the points removed from your license and then notify your insurance company.

Safety features. Make your car has safety features such as seat belts, airbags and antilock brakes. Any car without these features is going to cost more for insurance.

Best auto insurance companies are the ones that can give you low rates for your car insurance and any insurance company can be the best if you take advantage of the discounts.

About the Author: Save 50% or more on your car insurance by getting FREE LIST of available discounts by clicking here

Cheapest car insurance

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By Mario Churchill

Books and websites are full of free-for-the-taking tips and tricks for a kinder, gentler job search. There are free samples of virtually every kind of cover letter you can imagine – from teaching to taxidermy. Customer service, a wide and varied industry, is no exception to the rule. Advice on searching for a job in this field is every bit as diverse as the field itself. Just because the advice is free does not mean you should take it. A pre-formatted template cover letter will not provide the kind of information a hiring manager is seeking. When looking for a competent customer service professional hiring managers have a strong sense of what a business needs and are looking for a candidate to satisfy those needs. Your cover letter should convince the hiring manager that you are suited for and capable of the job.

All cover letters are on a mission – a mission to spark the reader’s desire to learn more about the applicant. The cover letter is the first thing a potential employer sees and hears about you. It should be a head-turner. Keeping the reader’s attention is necessary if you want them to make it as far as your resume. A good cover letter is just a hint of what is coming. Touch on achievements and experience without providing too much information. Indicate that more details are available in your resume, pressing the reader on to examine the finer points of your work history.

A bold headline that says something interesting about your customer service skills is a top-notch attention-grabber. Headlines like ‘CUSTOMERS ASK FOR ME BY NAME’ or ‘5 GOOD REASONS WHY I SHOULD WORK FOR YOU’ stand out from the boring, impersonal letters that hiring managers are accustomed to reading. If you want your cover letter to stand-up and get noticed right off the bat, cite specific examples to support that eye-catching headline. Let your personal customer service experiences speak for themselves.

Let the hiring manager know that you mean business. Use the first paragraph to establish how you heard about the opening and what you know about the company. Doing a little research on the company’s history and purpose builds credibility. Taking the time to learn about the challenges the company faces and the company’s goals for the future indicates a willingness to go above and beyond the call of duty. Customer service professionals must go out of their way on a regular basis. Proving beforehand, that you are willing to go the extra mile of your own volition, speaks volumes about your work ethic to a potential employer.

Written and verbal communication skills are an important part of any customer service position. Being able to understand the needs of the client or customer should be portrayed in your cover letter. Anticipating what the customer will want takes customer service to a whole new level. Use the content and construction of your cover letter to expound upon your ability to communicate effectively and thoroughly. Read the letter out loud to check for readability and comfortable flow. Consider letting a co-worker read over your letter. A different point of view may be the thing your customer service cover letter needs to be complete.

In the end, the customer service cover letter is an indispensable medium of expression. Allow the hiring manager to get to know a little about you as a person while they consider your prior experience and qualifications. Avoid just copying a sample of a free cover letter as a means to an end. Anything that easy cannot possibly hold up to the scrutiny of a manager that is looking for a first-class customer service professional. Spend the additional time to craft your own original thoughts and ideas about customer service into an appealing format. Make the reader believe that you are the one for the position with a combination of certifiable facts and passionate interest in providing quality service that keeps the customer and the company happy. Let your enthusiasm liven up what could be another submission bound for the not-interested pile of boring, run-of-the-mill applications. When the phone rings and the hiring manager asks you to come in for that interview you will be glad that you did.

About the Author: Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information on free sample cover letter customer service.

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