Month : November 2014

Insurance

Comparison of Online Car Insurance Quotes By Useful Smartphone Apps

A lot of individuals wish to buy a new policy for car insurance or want to replace the existing policy with a new one. If you are one of them, then you can do it easily by comparing the quotes online with the help of your laptop. A lot of iPhone apps are available online for the quote programs, through which you will be able to compare several companies with each other. Every now and then, you can also use the downloadable iPhone apps for comparing the car policy rates. There are numerous advantages for finding the cheapest insurance so as to save money, and searching the web is the best way to do so. 

Effective search process 

A lot of iPhone apps can be downloaded without any difficulty in order to compare the car insurance quotes, and you can do it effectively by means of online websites. A lot of insurance companies possess their individual apps so that you can find the quotes, make the payment online, and change or manage the policies. Now, you will be able to search the quotes with the help of your Smartphone at any time, and at any place. Thus, this process is an effective and convenient method that will save you money and time to a large extent. If you visit the insurance company online, then you need to search the appropriate areas to compare the car insurance quotes.  

Value of technology 

A lot of websites of car insurance consist of a downlo ad section, where you will be able to add the apps directly on your iPhone. You can also search the various downloadable applications for finding the Smartphone apps, particularly with the online car insurance companies. You will need the car insurance for driving and owning a car. But you might not be aware of the appropriate car insurance policies for your requirement. Luckily, the technology has helped a lot in this matter. A lot of apps are designed that will assist you to make a refined assessment of your car insurance requirements. The various Smartphone apps offer precise information regarding the insurance products. It will also provide suggestions on the insurance products that you should get. 

Cartopia         

Nationwide Insurance launched this useful Smartphone app in the year 2009. With the help of this app, you can get access to various useful and valuable features that can be used by the Nationwide clients, as well as the car buyers, for their benefit. This app can be used without any difficulty. You have to enter the VIN of your vehicle, and then you will receive the Autocheck history score that is delivered by the Experian Automotive. Obviously, you will be able to get the free auto insurance quotes that are offered by the Nationwide Insurance. 

At the time of comparing the car insurance prices on your Smartphone, you need to be aware of the regulations and standards of each and every company. The car insurance quotes that are inexpensive can save your money, but you will also have to check the payments and rates that will be beneficial for you eventually. 

Author Bio: 

This post is by Sachin. He is a full time writer and a blogger. He loves to write on different and interesting topics. He has written many posts on car insurance as well as mobile phone insurance. UK.Protectyourbubble.com mobile phone insurance offers you easy and affordable insurance for your mobile phones and makes your experience and usage ever better. 

Travel

What is there to do in New Jersey?

New Jersey was in the news recently with hosting Super Bowl XLVIII. I visited there a couple of years ago and had a great time. It sometimes gets a bad rap but it’s definitely a place you need to put it on your bucket list. Here are a few things to check out when you go there.

Atlantic City Boardwalk

The Atlantic City Boardwalk has a lot of historical significance including the fact that it’s the very first boardwalk in the United States. The Boardwalk is important to Atlantic City and goes along the beach where visitors hangout and swim. Some of the best attractions are the House of Blues and Ripley’s Believe It or Now!

Ocean City

Ocean City is another beautiful place to visit in New Jersey. The 2 and half miles contain many places to have fun including a golf and water park. And what’s a visit to Ocean City without taking a trip on the 140 ft. Ferris wheel to view Ocean City.

New Jersey State Museum

What’s a trip to another state without getting a little bit of education? The New Jersey State Museum is one of the largest and oldest museums in the US, being built in 1895. The museum has a lot of fine artifacts that date back to the 19th century. The best part is admission is free so be sure to check out cheap entertainment that will educate you too.

Casino

You can’t talk about New Jersey without talking casinos. It’s definitely a good reason to visit. They’re so passionate about gambling they even started an online casino in nj. You don’t even have to actually go to a casino to gamble in New Jersey.

There’s a lot to do in New Jersey so put it as one of your stops when you’re thinking of the next spot for your vacation.

Insurance

4 Little-Known Benefits of Disability Insurance

Financial experts like debt guru Dave Ramsey and insurance advisor Courtney Rogers agree that only a few kinds of insurance are truly necessary. These include

  • Term life (while you’re working)
  • Homeowner’s (for any time you own a home)
  • Auto (required by law)
  • Disability (while you’re working)

Of these four, statistics show that disability insurance is the one missing from most homes. It might be that this insurance gets less attention in the media. It might be that people don’t understand the risk. Whatever the reason, those who are “working without a net” in regards to this important protection should consider these little-known benefits of disability insurance.

  1. 1.       Faster Recovery

This is a simple equation. Stress reduces the body’s ability to heal from illness and injury. Being out of work from a disability causes financial stress. If you’re hurt or ill with no income, your body can’t get you back to work as quickly as it would if you were getting paid. Being disabled without income also makes it harder to pay medical expenses, which can further increase how long it takes to get well.

  1. 2.       Return on Investment

Disability insurance premiums cost 10 percent or less the price of term life insurance. Further, you’re more likely to need it at some point in your life than to make a claim on your life insurance – and you’re infinitely more likely to need it more than once. Statistics show only auto insurance is more likely to result in a payout to you, and disability runs at about one-fifth the price of average auto coverage.

  1. 3.       Reduced Family Illness

While you’re down, it’s important for your family to operate at peak ability to take up the slack. Unfortunately, lack of sleep and worry about you make them more likely to become ill than at any other time in your life. Though the payments from disability insurance won’t end all of their stress, not having to worry about money will help their immune systems – and help pay for preventive care that will keep most illnesses minor.

  1. 4.       Enhanced Estate

If you want to leave a little something behind for your heirs, a long disability is one of the best ways to ruin that plan. The lost wages can force you to live off of savings, then borrow off of home equity, and dip into retirement funds until nothing is left to leave.  Although disability insurance won’t pay for the costs associated with hospice or in-home care, it will keep wages coming in while you’re ill.

Any horror stories about losing wages from illness or injury? Join the conversation and tell us about them below. 

Investing

Do you ever just “know” something’s right?

Investors in different walks of life will often tell you the same thing; there are times when they just have a gut feeling that something is right. If you’ve been investing in any way for a while, you may know this feeling yourself. It can be as simple as having bought a good home at the right price.

For investors who trade a lot, buying stocks and shares, for example, this gut feeling is usually also based on sound fundamental analysis and in-depth knowledge of a business sector and/or of a company’s balance sheet etc.

For other investors, this may be based more on what is called “technical analysis” or charting. This involved looking at patterns of share prices and other investments to predict where the price is likely to go to from any particular point in time.

When your gut feeling marries up well with your own detailed analysis – it’s often a good time to strike. One of the best ways to do this to leverage up your gains is via CFDs (“contracts for difference”). There’s plenty information around the web on CFDs – but they’re basically leveraged products that allow you to speculate on the margin prices of underlying investments. With a share, for example, you’re speculating that it will go up or down and investing a relatively small amount on the marginal differences in price. In this way, your gains or losses become magnified for a smaller outlay in cash than buying the underlying investment itself.

If this sounds at all complicated, don’t worry – it isn’t. The best platforms have plenty information to help you understand CFDs and enable you to trade in demo mode with no real cash involved. Trading with Tradefair CFDs, for example, is excellent as there are many different tools to help with your analysis and you can trade in demo mode only to your heart’s content. Tradefair is owned by Betfair and the same broad principles apply – in that you aren’t trading against the “house” in anyway.

The main thing to do is to get to understand the products and the markets in which you’re dealing in as much detail as you possibly can. The great thing about trading, then, in demo mode is of course that there is no real risk attached. Hopefully, this will give you a good indication of how much you can win or lose by trading CFDs. Using the site will also help you understand different ways to limit your potential exposure if markets go against you. This happens to all traders from time to time – so the trick is having tools in place that enable you to sleep well at night. The Tradefair site includes lots of information on the risk management side of things. But with any luck – you won’t need it!

Perhaps the best advice overall is not to over-trade. Early success is always dangerous in this regard – so try to learn to trade only when everything from your analysis falls into place – and your gut feeling tells you it’s the right thing to do.