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HGV Insurance – The Right Insurance For Heavy Goods Vehicles

HGV insurance stands for heavy goods vehicle insurance. This type of insurance is highly recommended for anyone owning a vehicle over seven tonnes that is used to transport goods from one place to another. The benefits to heavy vehicle owners of this insurance are many, and cover a range of things that conventional motor vehicle insurance does not. In order to ensure you obtain the right cover for you it is important to gain an understanding of the range of cover available for HGVs.

There are several reasons why special insurance for HGVs is required. Firstly these vehicles are constantly traveling and the sheer time they spend on the road means that the risk of something unforseen happening is increased. They are also carrying goods that belong to others, and HGV insurance will cover against any damage or losses of the goods in transit. If goods are damaged while being transported, lorry owners are required to pay for these losses, which could be costly. Taking out the right kind of insurance provides security not only for the heavy vehicle owner but for their customers as well.

The cost of insurance cover for HGVs varies and is generally dependent on the weight of the vehicle as well as the risk it undertakes. Because of this, some insurance premiums can be expensive but now many insurance companies offer packages that can prove to be better value for money. Many of these companies also offer pay by the month premiums which may be worth looking into. There are introductory offers available if you shop around and could save you up to 60{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of your premium for the first year. While your transport business is being established, a saving of this magnitude in the first twelve months would be of great benefit.

When shopping around for HGV insurance there are several things that you need to look for. A good insurance package for HGVs should include cover for goods in transit, public liability cover as well as employer's liability coverage for those lorry owners who employ drivers. There are also many other options that you can select from, such as insurance against violations and legal costs, and the options that you choose for your insurance will be dependent on your individual needs. You also need to consider where your HGV travels. Whether your transport business operates locally, nationally or internationally – a good insurance provider should be easily contactable from any location your business takes you.

Obtaining insurance for your HGV can be costing, depending on the range of cover you take. Having said that, however, it is certainly not something that anyone in the transport industry can afford to overlook. The risks that face heavy goods vehicles are significantly higher than other motor vehicles and their value, as well as the value of the goods they transport, is too high to neglect covering yourself against any unforeseen circumstances. Be sure to protect your business by shopping around for the best heavy goods vehicle …

Are You Willing To Bet?

If you won an all-expenses paid trip to Las Vegas, would you do any gambling while you were there? Yes, no, well maybe? When my daughter was maybe 16 or 17 years old (you probably remember that time in your life that you were almost an expert at anything) we took a family vacation to Las Vegas. We walked into Caesar’s Palace and she saw a sports car on top of a group of slot machines. The car was the grand prize to be awarded to the lucky winner on that series of slot machines. She promptly informed Mom and Dad that SHE was going to be that lucky someone.

One roll of quarters and three minutes later she told us, “Gambling sucks.”

Do you consider yourself to be like our daughter and want nothing to do whatsoever with gambling? Are you one of those people who think that you never, ever gamble? Well I hate to tell you this, but the insurance industry and insurance policies are built on a gambling premise.

You will be well served to remember this basic principle: The business of insurance is a bet. Insurance is nothing more than a large company (as is a casino), with a large balance sheet, playing the odds against you… on your health, risk of an accident, storm damage, theft, death or other potentially catastrophic loss. Insurance companies educate themselves in extreme detail on the odds of actually having to pay out money on a claim. From this data, they calculate how much they can charge you based on the possibility that you will file a claim, and they still will be able to make a profit!

When you own any kind of property, whether that property is possessions like furniture, clothing, an automobile or a house, when you purchase an insurance policy you are gambling. You are gambling your money every time you make a monthly premium payment. You are betting the premium amount that you spend that something unfortunate will happen to you.

The insurance company is betting also, they’re just not betting with their own money. Not yet, that is. They are betting with a promise! Their promise is that if you experience a loss, they will spend a little bit of their money to make things right for you. The thing is, the insurance company is like the casino. All the odds are stacked in their favor. They pay large amounts of money to actuaries, specialized number crunchers, to determine the odds of you winning the game (having a covered loss). You see, as far as the insurance industry is concerned, the only way you win as a policyholder is for you to lose and have to file a claim. If you don’t win, you lose (you lose your premium payments). If you do win, you lose (something bad has happened to you). What a great game!

If you don’t lose, you lose your premium money. If you win, the best that you can …

Car Insurance – Lowest – 5 Ways to Save Money on Auto Insurance

So – you want to save on car insurance and wonder what the lowest prices around are? Check out the money saving tips below before signing on that dotted line.

Car Insurance Lowest: Shop Online

Selling insurance online provides savings that are passed on to customers by way of lower premiums. If you are comfortable with doing business online, this may be the way to go for you.

You should, at least, start your insurance shopping process on the internet. Use a website like Quote Wizard or 2Insure4Less to obtain aful of quotations from different companies. Now you have a basis for comparing coverage and prices.

Car Insurance Lowest: Find an Insurance Company that Caters to your Driving Record

To a great extent, auto insurance rates are set based on your driving record. So, you need to find an insurer that offers a good deal for your type of driving record. This is where comparison shopping comes in. Use one of the websites mentioned above. You'll need to complete an online form with info about you, your vehicle, you driving record, etc. You do that one time and 3-4 quotes will be emailed to you. You'll be surprised at how much prices will vary among companies. Those companies that are not particularly keen to insure drivers with your type of driving record will stick out like a sore thumb … their quotes will be higher.

Regardless if you're guilty of running a few red lights, or pressing too hard on that pedal or are even a "model" driver – the search should be on! Comparison shopping is the # 1 way to save money on your car insurance.

Car Insurance Lowest: Got a "Rough" Driving Record?

Check out companies specializing in high-risk insurance policies.

How do you find them? As mentioned above, use Quote Wizard. They will direct the appropriate insurance companies to you.

Car Insurance Lowest: Review your policy

I strongly encourage you to check rates by shopping around at least once a year to be sure your car insurance company is keeping up with market rates. You do not want to be the guy who stayed with one carrier for 15 years only to learn one day you have been paying twice what the market is charging.

Car Insurance Lowest: Have a Look at Your Deductible

The price difference between a policy with a tiny $ 100 deductible and a mega $ 2,000 will affect insurance premiums by as much as 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. These are outside amounts-the most deductible is around $ 500.

Keep in mind that your deductible does not apply to liability cover. Meaning that if you are at fault in an accident and have adequate coverage, your policy will cover any damage you caused to other parties and their property. Your deductible is applicable only to repairs and replacement cost for your vehicle.

How much are you willing to pay out of your pocket for damages to or loss of your car? Set your deductible at …

This Time It's Personal – The Benefits of a Personal Trainer

Most gyms these days offer personal training as part of their portfolio and probably promote it with all the zeal of timeshare salespeople.

At some point you will consider it, if not now, then later when you hit a motivation or performance plateau that you do not know how to get over. So what will you get for your money? And how can you decide if a personal trainer is for you?

Let's be clear about what a personal trainer means. We're not talking about having someone knock up a trained training routine for you when you first start – all gyms should do that as a matter of course. Personal trainers will dedicate themselves to you and you alone for each hour that you book. They should assess your fitness level, set up a program complete with goals and waypoints, and provide the motivation to achieve them.

If you're thinking of opting for personal training, ensure that the trainer:

– Has a recognized personal trainer qualification.
– Is a member of the Fitness Australia. (Or the country that you're in, in case it's not Australia)
– Has a valid CPR (cardio-pulmonary resuscitation) certificate.

Recognized qualifications (as defined by Fitness Australia) include:
– Certificate III Fitness Instructor
– Certificate IV Fitness Trainer
– Diploma of Fitness
– Or a BA-level degree in sports and fitness

Why would you pay the extra?
Given what you're already expecting out for the gym, why would you pay extra for a personal trainer? If you have a clear idea of ​​your fitness goals, the knowledge of how to hit them and a high level of self-motivation, then the honest answer if that you do not need a trainer. If, however, you find that motivation is a big problem, or you have an unusual target (say new sport), or you're going now and do not know what to try, then a personal trainer could be exactly what the doctor ordered.

What can I expect?
Depends entirely on what your agreed goals are. If your aim is to lose weight and tone up, then you can expect to start off with a cardio warm up before going onto weights and moves that you would not normally do. In the process you will learn a lot about form, posture, technique and the use of different pieces of equipment. It also makes the gym session an appointment, a commitment that you can not back out of, and introduces the trainer as a kind of external conscience nagging you if you let things slip. Sort of.

Your aim is to lose weight and tone up. …

Understanding the Advantages and Disadvantages of Sale and Leaseback

Sale and lease back options are increasing in popularity as companies throughout the USA are looking for ways to give their company a cash boost. Many companies are newly purchased as operating concerns with property attached; ridding yourself of the property can give you the necessary cash needed to expand.

At the same time as with any agreement, there are advantages and disadvantages to take into consideration and you need to decide if the advantages outweigh the disadvantages before signing on the dotted line.

Start by looking at the advantages of sale and lease back opportunities and how it can help your business moving forward.

Of course the main advantage to this option is that you sell your building and receive the cash, which you can use how and when you wish, whether it’s to invest in other buildings, expand your business or pay off your debts.

Another advantage is that you rent the property back from the new owner. This has the added advantage of a set rental amount which agreed upon for a set several years, which is normally fifteen years or more.

In addition to this, it means you don’t have to move properties, confusing your customers and saving you money on marketing your new information, such as address and telephone number.

Then there is the advantage that if you choose a sale and lease back option, you get to pay off your mortgage, which is always a winning opportunity. Without mortgage repayments you can take pleasure in the fact that you have a set rental amount which you can offset against your tax return.

This is why many companies choose the sale and lease back options is that they can take advantage of the tax savings they get when renting.

Rental payments are tax-free, which adds cash to your bank balance, increasing the amount of cash you have in your pocket to help your business grow to the next level.

When you give up your ownership rights to the property, you also decrease your maintenance costs, depending on the type of sale and lease back agreement you choose.

There are a number of options, triple net leases are generally a cheaper rental amount, but you stay responsible for all maintenance or you can choose a slightly higher rental amount, handing over the maintenance responsibilities to the new landlord.

The last advantage you will want to take into consideration is whether the agreement you sign gives you the ability to buy back the property after the agreed rental period. This is something you must take into consideration and a huge benefit when the lease comes to an end.

Then there are the disadvantages. While there aren’t many, you need to weigh them up against the sale and lease back advantages to decide if it is the right choice for you before going ahead.

One of the disadvantages you may want to consider is that you lose certain rights to the property when you become a tenant, this …

Making Money Easy – Do These Things and Start Making Money Fast

Making money easy used to be something most people could dream about. This has all changed since the internet came along. Making quick and easy cash is now entirely achievable for any one who wants it. Continue reading this to find out what it takes and what you should know before starting.

Take your mind away from anything illegal. You can make all the legal cash you need as fast as you want. It all depends on how much work and dedication you want to put into it. My online money making career began with my need for some really quick money.

I had the bills pilling up and lots of financial commitments to fulfill. I really had to gain access to some quick finds. That's when I thought of the different legal options of achieving the financial freedom I need. Out of the various options I could read about, the online option was the most flexible.

What I loved about it was the fact that I could make money from home. This is truly the best way to go about making money easy. Different ways of profiting from the internet market are available. Do not get scared by computer terminologies. You do not need a lot of computer knowledge to make money from the available methods.

You can focus on one method initially. So do not get distracted, and then later add more methods to your stream of income. I previously do everything for blogging, affiliate marketing's, online surveys, eBay marketing to information product creation.

Some of this information requires few weeks to get rolling, but some of them are really very fast. I still use those methods when I need some extra, quick boost of cash. But you need to get going on time and avoid that terrible spirit of procrastination. This will keep you from doing anything. That is the only way to defeat the spirit of doubt.

Making money easy can be achieved when you really do something on time and learn about the many money making methods available to you. …

Fundamental Lessons Necessary for Making Money Online

There are many people searching the internet for that one program that will enable them to make money online. Many have lost their money in worthless scams, many have lost their money in programs which jargon was too difficult to understand. People need to be able to recognize a program worthy of their time and money.

What's important is the fact that you need basic fundamentals to become successful at making money online. Most online training courses are not complete or their language is not for the layperson. Computer jargon can be difficult to master. Once you figure out what they're trying to say, then you have to piece it all together to start making money online.

The majority of the people searching for ways to make money online fall in the newbie category. Online training courses should step up and effectively describe the fundamentals in extreme detail. Hands on projects should be included to teach the different strategies, such as exploring for niche products or how to generate a keyword list. Reading about it is one thing, but actually doing it and understanding what you just did is another. The course should also be affordable so more people can partake in a training that could one day give them the lifestyle they have always dreamed of.

The fundamentals you need to learn include finding top niche products, how to generate traffic, affiliate marketing, creating your own website, types of hosting, blogging, importance of keywords, creating your own product, content, search engines, PPC advertising, article writing . There is a ton of information out there that can be overwhelming and cause people to be confused and not know where to start. The key to remember is to start out slow. Start by using free methods until you start generating a profit. Once you start seeing some income, re-invest those profits into your business and then you can make it grow a little easier and faster. You will have to put in some work, but it will be well worth it in the end an you will be making money online.

Do not pick a program that only offers one aspect of internet marketing. Be patient and allow yourself some time to learn and understand the secrets to make money online. Do yourself a favor and invest in a complete online training course that will teach you the fundamentals you need from the beginning and to the end. Make sure the program also offers technical support at all times. Work smart and play hard. …

Insurance Jargon Explained and Decoded

Accidents happen. It is just a fact of life. Safety is the best prevention, but sometimes the inevitable cannot be avoided. Having insurance is a worthwhile investment for protecting you and your loved ones. However, getting insurance of any kind can involve a lot of jargon that is not always easy to grasp. Before taking the leap into monthly payments, educate yourself so that you get a plan that works best for you. An insurance agent can help fill in the gaps, but below is a group of terms to become familiar with. Even if you already have a plan, this guide can help you better understand the terminology.

General Terms

A premium is the amount of money that must be paid to the insurer who provides coverage. This fee is usually due on a monthly basis. To achieve a lower premium, shop around for the best possible quote and try to maintain a good credit record. The deductible is the portion of money that you, the policyholder, must pay in the case of an accident. The insurer is then responsible for covering the remainder of costs. Generally, higher deductibles result in lower premiums. If you decide to go this route, make sure that you have enough money set aside to cover your higher deductible. A claim is a request made by the policyholder if an accident occurs. This request is for costs to be covered by the insurer. The adjuster is the person who analyzes a claim and provides recommendations for a settlement based on the damage and policy. Preferred Risk is the term for when an applicant shows lower risk for accident or injury than the average person. These applicants tend to be eligible for rate discounts.


Accident forgiveness is an option provided by some companies to protect drivers. This option prevents the driver’s premium from increasing after their first at-fault accident. It is especially helpful when the company extends this forgiveness to others on the policy, such as teen drivers. Other potential discounts to look into include low annual mileage on your vehicle, having no accidents in three years, and having multiple cars on the same plan.


There are several different ways of getting health coverage. Group Health is when an employer provides health insurance plan options for its employees and their dependents. The policies are normally at a reasonable or discounted rate. Many people take advantage of this opportunity because it is convenient and secure. Health Maintenance Organization (HMO) is when the insured person pays a fixed membership fee ahead of time. In return, they receive comprehensive health care from a list of approved providers in a certain area. HMOs are usually more affordable, but they do not provide as much coverage. Preferred Provider Organization (PPO) is a health plan that lists preferred health care providers. When patients visit the preferred providers, they may receive incentives such as a lower copay. Copay is a flat rate that the patient must pay each time they …

Top 10 Travel Advice

  1. Always ensure that you have checked the latest travel advice for the destination you wish to travel so subscribe to any free email notifications each time the travel advice is updated.
  2. If need be opt for travel insurance and make sure this is arranged before hand to cover any activities you wish to participate in as well as insurance for all your baggage.
  3. Check to see if you are in need for a visa for the countries you are going to visit, however be aware that you may need more than just a visa to enter the country so find this out by contacting the Embassy or High Commission before hand.
  4. Confirm you flight details and all reservations for cars, hotels and activities before you leave.
  5. Organize your money. Make sure you are sure of which credit / debit cards you will be taking and find out the best rates for converting currency and purchasing travelers checks.
  6. Make a list of all emergency contact numbers, for example lose and stolen credit cards, and leave a copy of your travel itinerary with a friend of family member so they can contact you if need be.
  7. Check the weather at your travel destination so that you can pack the appropriate gear to suit the climate.
  8. If you are going to be flying then make sure you have an essential carry on bag just encase you bags get delayed.
  9. If you are going to be driving then make sure you have a road map, GPS handy so you can look up any directions when needed.
  10. Pack you camera and video equipment atleast 24 hours before you leave, so that you can check and charge any batteries beforehand.

Act Like a Millionaire

Did you know that there are now 10.1 million households in the US with $ 1 million or more in investable assets, excluding the value of their primary residence? This is from a 2015 article by CNBC. What do these folks do and how do they act? Let's talk about money in a way that might shift your view of rappers, like 50 Cent, posing with stacks of movie prop cash to create the illusion of immunity wealth as it navigates our banking system. Heck, let's just talk about money.

I read an article recently, written by Dan Kennedy who is internationally recognized as the "Millionaire Maker," helping people in just about every category of business turn their ideas into fortunes. His article was published in my business coach's newsletter. My coach, Richard James gets his coaching from Dan Kennedy, so by default, I receive the benefits from Dan Kennedy too. Since the primary focus of my law practice is to help my clients attain freedom from their debts, I focus much of my articles on money.

According to Dan's article, entitled, "the 5 'tools of the mind' you need to become a millionaire thinker," lays the universal foundation that most people think about money in a negative way like, "worrying, budget-wrestling, can ' T afford, and jealousy of others. " I'll add that we feel guilty when we can not pay our debts and feel an awful MORAL obligation to repay our debts. I believe that it is our thoughts about money that keep us perpetually stuck in a cycle of debt and poverty consciousness. I "m on a personal mission to wipe out the personal debts for my clients and partner with them to shift their perspectives about money, wealth and retirement through my bankruptcy practice.

What is Dan's secret? He says that your dominant thoughts are things and cited to Napoleon Hill's book, Think and Grow Rich. What this means is that if you're constantly seeing lack, you'll get more lack. If you're focused on thoughts that you can leverage, to initiate positive and right actions in your life, then you can kickstart your journey to a better financial life. It all starts with a decision; A choice.

Dan's five tools include planning, environment, reading, engaging in the right activities, and having the right associations. Have not you heard that you are the sum total of the five people you spend the most time with? I can tell you that I personally find that I grow in environments where I am not the smartest person in the room. I'm a student of life and soak up these environments like a sponge. Guess what? My business grew by 17{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} last year and is on target for a 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} growth in 2016. The bottom line is that we start with our thoughts and then take decent actions toward our goals.

This works by opening you up to opportunities you may have never considered, like bankruptcy to quickly eliminate your …