Quitting Now Could Save Smokers a Small Fortune, Advises Moneynet
(ContentDesk) February 18, 2006 -- Following yesterdays decision by the Government to impose a total ban on smoking in pubs and clubs, Moneynet (http://www.moneynet.co.uk) highlights the true extent of the financial cost of smoking. A smoker applying for life assurance will find themselves facing almost double the premium of a non-smoker, said Moneynet chief executive Richard Brown. Add that to the price of the cigarettes and the cost of smoking plainly threatens your wealth not just your health. With a packet of cigarettes currently costing around ?5, a husband and wife who both smoke 20 a day will already be spending a staggering ?3,640 a year on their habit.
Should this couple, aged around 40, want to take out life assurance including critical illness cover with Norwich Union for example, they would be looking at a monthly premium of ?213.30. For a non-smoking couple the cost would be just ?112.20.
Add this extra charge to the huge sum already going up in smoke on cigarettes and they would find themselves blowing more than ?400 a month on smoking thats ?4,800 a year. If the couple were to quit smoking and invest the money they would have spent on inflated premiums and cigarettes, based on an average rate of 7.5%, they would amass around ?250,000 after 20 years. And Moneynet advises consumers not to fib to try to get lower cost life cover. Many people are tempted to lie about their smoking habits when applying for life assurance, but this is a false economy, said Brown. Should you become ill or die from a smoking related condition, your insurance wont pay out and then youll fully understand what smoking has cost you. Consumer enquiries: 0208 460 2833/ http://www.moneynet.co.ukPress enquiries:Richard Brown, Chief Executive, 020 8313 9030 David Andrews, David Andrews Media Ltd 07941 255855/01273 774109
Editor's notesMoneynet.co.uk is the UKs longest established online personal finance research and data analysts.
The company offers consumers a choice of thousands of low cost financial services products. From mortgages, personal loans to motor, home and medical insurance, credit cards, savings accounts and best buy fixed rate products, Moneynet is one of the most comprehensive online services of its kind in the UK. Founded by chief executive Richard Brown, the Moneynet brand is destined to become one of the UK's major players in consumer finance products.Disclaimer:All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986..
Saturn Relay, Not Just another Van
The Saturn Relay is another vehicle that is running under the great big umbrella of General Motors, one of the largest automobile manufacturers in the world, and comes from the corporation's Saturn division. This vehicle, the Saturn Relay has been in production since last year, 2005, and is still being produced presently. When this vehicle was introduced, it actually took the spot and the niche which the Oldsmobile Silhouette (also known as the Buick Terraza) left blank. The Saturn Relay is a minivan and has been made available in one body style only which is a van holding four doors.
The Saturn Relay has been built and mounted on the FF/AWD U body platform.
Upon its introduction, it has been equipped with a 3.5 liter LX9 V6 engine. It has been said that its major competition in the world of automobiles include the Chevrolet Uplander, and the Pontiac Montana SV6. Also a competition for this minivan is the Buick GL8 despite the fact that the latter is sold...
Saturn Relay, Not Just another Van
Auto insurance > Saturn Relay, Not Just another Van
Flat Tires Need Not Be A Burden
When your car's tires go flat, this kind of situation should not be a burden for you. After all, most cars already come with spare tires and a jack, along with other odds and ends that would help you facilitate changing your tires in no time at all.
To change a tire or a couple of tires, park your car first in an area where the ground is level. Do not forget to put on the parking brake. If your car is equipped with a manual transmission system, place it in gear.
Turn off your engine for there is no need for it to be turned on and running. However, if you have parked in an area where there is an incline, put a huge rock or a wheel chock beneath the opposing wheel so that you would not find your car rolling down the incline.
This is now the time to take out your spare tire as well as a tire iron and the jack. If you have to remove a hubcap, do such. Then, loosen the lug nuts on your wheel.
Do this before you place the jack in your car....
Flat Tires Need Not Be A Burden
Auto insurance > Flat Tires Need Not Be A Burden
MedSave.com Enrollments Hit Record Level
(ContentDesk) April 5, 2006 -- MedSave.com recorded a record number of individuals enrolling in health insurance and related benefit plans during the month of March 2006.
This small business was founded in 1998 by personal finance writer Tony Novak to help his clients find trustworthy low cost health insurance online.
Since then, the business has grown to be one of the nation's largest enrollers of individual health insurance.
MedSave.com operates in all 50 states and the District of Columbia.Novak suspects that there are several reasons contributing to the increase in business.
First, the increase in consumer-driven health plans makes more consumers more aware of their options.
Employees changing jobs, for example, are far more likely to choose a commercial short term medical insurance now rather than COBRA coverage.
In the past, they may not have been aware of these options that generally offer better coverage at a lower price.
...
Auto insurance > MedSave.com Enrollments Hit Record Level
Mercedes Benz C230: Ready to Play the Game
The game begins. Well, that is for the sports sedans of the automobile industry. And Mercedes Benz decided to enter the competition with its Mercedes Benz C230. Taking a look at this new vehicle, one could simply think that no this vehicle surely is able to take charge of the whole game. It come standard with a six speed manual transmission system along with the 1.8 liter engine that is supercharged.
To be able to take the lead among its competition, it has 17 inch wheels plus a sport tuned suspension. This Mercedes Benz C230 has power, passion, and style - all in just one vehicle.
The Mercedes Benz C230 comes as a luxury sedan or luxury sports sedan. It is available with four doors and could take in a maximum number of five passengers in its comfortable interior. It is said that the main rivals of this vehicle are the Acura TSX, the 2002 ? 2003 BMW 325i, and the 2002 ? 2003 Audi A4 3.0.
This vehicle could actually do some 130 mph. It has an estimated curb...
Mercedes Benz C230: Ready to Play the Game
Auto insurance > Mercedes Benz C230: Ready to Play the Game
Florida Insurance Council & The Slevin Group Receive PRSA Silver Anvil Recognition
Patrick Slevin announced today that the Florida Insurance Council and The Slevin Group are one of 100 finalists selected from more than 650 entries in the 2005 Public Relations Society of America Silver Anvil Awards.
Chosen from these finalists, the Silver Anvil and the Award of Excellence winners will be announced on June 9, 2005, at the Silver Anvil Celebration Event in New York City.
"Receiving national recognition as a finalist for a Silver Anvil Award is very gratifying and validates the work we accomplished during the unprecedented hurricane crisis last year.
It was an A-Team effort comprised of FIC staff, members, national trade associations, and The Slevin Group," said Sam Miller, executive vice president of the Florida Insurance Council.
"Winning a Silver Anvil Award will be a testament to professionals dedicated to serving Floridians during times of crisis and we hope we do not have to repeat such an endeavor in the future."The Slevin Group,...
Auto insurance > Florida Insurance Council & The Slevin Group Receive PRSA Silver Anvil Recognition
Wheeler & Taylor, Inc. Hires Long-Term Care Insurance Specialist to Help Berkshire Residents and Business Owners Cope with Deficit Reduction Act Amendments
Great Barrington, MA (ContentDesk) February 11, 2006 -- With the Presidents signature on 2006 amendments to the Deficit Reduction Act of 2005, the Federal government has changed the rules for older Americans trying to find suitable long-term care arrangements. The new laws, designed to protect the long-term viability of the Medicaid safety net, now place many more Americans at risk for devastating financial losses in the event they need long-term care.Key provisions include:1. The look-back period for all asset transfers has increased from 3 to 5 years, making it more difficult to qualify for Medicaid coverage.2. The penalty period now starts at the time you apply for Medicaid benefits, meaning you could get stuck without any coverage for months.3. Medicaid can now deny benefits if you have more than $500,000 equity in your primary home.
4. Limitations in the protection provided by annuities.5. Fees paid to continuing care retirement communities are countable assets for Medicaid...
Wheeler & Taylor, Inc. Hires Long-Term Care Insurance Specialist to Help Berkshire Residents and Business Owners Cope with Deficit Reduction Act Amendments
Auto insurance > Wheeler & Taylor, Inc. Hires Long-Term Care Insurance Specialist to Help Berkshire Residents and Business Owners Cope with Deficit Reduction Act Amendments
Focusing on Space and Cargo
Introduced in the year 2000, the Focus is another vehicle from the line up of the Ford Motor Company of the United States. The most recent model of this vehicle is the 2006 Ford Focus and this vehicle continues to show just how good it is and how much of a success it has already achieved. From the spacious storage space to the wide range of trim levels to convenience features to a very reasonable price, customers and Ford patrons have certainly been flocking to buy the Ford Focus.
As for the present Ford Focus' model line up, the list includes a choice of four different engines among which three are variations of an I4 engine. Along with that, this vehicle also provides a wide range of choice for its trim levels with seven choices.
The options package is still another story to tell. This vehicle has been made available as a sedan with four doors, a wagon with four doors, and as a hatchback with two doors or four doors. Among the features that this vehicle...
Focusing on Space and Cargo
Auto insurance > Focusing on Space and Cargo
pool table Auto insurance Quitting Now Could Save Smokers a Small Fortune, Advises Moneynet
Barclays launch pension term assurance direct to the market
On June 12 Barclays will become the first retail bank to launch an online pension term assurance product direct to consumers, offering one of the best value life insurance deals on the market. Barclays is so confident in its product and price that it will offer ?50 to anyone who purchases cover but had been accepted for cheaper like-for-like cover elsewhere.*
Prices are being driven down partly due to new tax laws introduced...
Auto insurance > Barclays launch pension term assurance direct to the market
No Money Down And High Loan-To-Value Home Purchases
Copyright 2006 Jason P Bertrand
In many cases it is difficult to obtain financing with little or no down payment. The lender will usually look for very high credit scores and a very thorough payment history. In some cases it may be easier than one would think. Twenty years ago it was always a rule of thumb that one needed to put down at least 20% in order to purchase a home. Last year over 40% of home purchases were made at 100% loan to value.
One reason that people avoid...
Auto insurance > No Money Down And High Loan-To-Value Home Purchases
The Dog Breeders List Launches a Highly Developed and Economical Website for Dog Breeders and Their Customers
Charlotte, NC (ContentDesk) July 29, 2006 -- A new website for dog breeders has been created specifically to give breeders an enhanced ad and their customers greater search capabilities.The website; www.dogbreederslist.com; The Dog Breeders List, offers an innovative online advertising method for dog breeders by allowing potential customers the ability to search by criteria when selecting a purebred dog. The websites foundation was...
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Auto insurance > The Dog Breeders List Launches a Highly Developed and Economical Website for Dog Breeders and Their Customers