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How To Buy Auto Insurance Online - Top Tips For Saving Big Bucks
By Brian Stevens
Looking to buy auto insurance online? Want to get the cheapest insurance rate with the best insurance company? Here's how ...
1. Comparison shop - Insurance rates can vary as much as $1,000 between companies, so the first thing you need to do is get quotes at an insurance comparison site before you buy auto insurance online. (See links below)
2. Increase your deductible - Raising your deductible by a couple of hundred dollars can save you up to 50% on your insurance premium.
3. Drop your collision and comprehensive coverage - If the cost of collision and comprehensive coverage for an older car is more than the cost of repairing that car, consider dropping these coverages.
4. Bundle your insurance -
Article continued below...
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Financing Your Child's Education<p>Did you know that a four year degree at a public university may cost upwards of $100,000 in 18 years? That's bad news for new parents who expect their kids to go to school, but fortunately it isn't that hard to save up the money needed for college if you start early. Time is on your site if you start early, but it becomes your enemy if you wait too long. So, here's <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/od/savingforcollege/a/Financing-Your-Childs-Education.htm">how to finance your child's education</a>.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm">Financing Your Child's Education</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/">About.com Financial Planning</a> on Monday, April 30th, 2012 at 14:51:31.</p><p><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/30/financing-your-childs-education.htm&zItl=Financing Your Child's Education">Email this</a></p>Get Help Getting Out of Debt<p>Credit card debt is one of the biggest problems most people face when trying to get a handle on their finances. Credit cards make it easy to spend more money than you have, and then the crippling interest rates and fees make it seem impossible to get out from under. While there isn't an instant cure for credit card debt, there are steps you can take to put yourself on a path to becoming debt free.</p>
<p>It takes a little planning, a little budgeting, and some time, but if you keep at it you'll find that you're getting out of debt faster than you had imagined. <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/od/creditdebtmanagement/qt/how-to-get-out-of-debt.htm">Here's the process to help you eliminate your credit card debt</a>.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/22/get-help-getting-out-of-debt.htm">Get Help Getting Out of Debt</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/">About.com Financial Planning</a> on Sunday, April 22nd, 2012 at 20:08:55.</p><p><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/22/get-help-getting-out-of-debt.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/22/get-help-getting-out-of-debt.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/22/get-help-getting-out-of-debt.htm&zItl=Get Help Getting Out of Debt">Email this</a></p>Mortgages for Military Personnel and Veterans<p>Mortgage rates continue to sit at historic lows, and it's a good time to buy a home if you're in the market for one. One of the most difficult aspects of buying a home is dealing with the mortgage process. There are countless loan options and lenders, and finding the best deal can ultimately save you tens of thousands of dollars.</p>
<p>Thankfully, the government steps in to help make the process a little easier for military personnel and veterans by offering a <a href="http://clk.about.com/?zi=1/1hc&zu=https://www.vamortgage.com/va-mortgage-loans">VA home mortgage</a>. Those who qualify are: Veterans, active duty personnel, certain reservists and National Guard members, surviving spouses of persons who die on active duty or die as a result of service-connected disabilities, certain spouses of active duty personnel who are (a) missing in action, (b) captured in line of duty by a hostile force, or (c) forcibly detained by a foreign government or power.</p>
<p>The VA loan program is relatively simple. You simply shop around through private lenders and once you provide eligibility, VA steps in to back the loan. What this means is if something happens and you find you are unable to make the payments, the lender can then turn to the VA for any losses that may occur. This type of insurance is what makes banks more willing to lend money since they know they are protected.</p>
<p>There are also a number of other benefits of a <a href="http://clk.about.com/?zi=1/1hc&zu=https://www.vamortgage.com/">VA mortgage</a>. You can often buy a home without a down payment as long as the appraised value doesn't come in below the sales price. This can be quite a help to those who might be returning home from deployment but may not have set aside the funds for a down payment yet. In addition, because these loans are "insured" by the VA you won't need to pay <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/od/realestatemortgages/qt/Eliminate-PMI.htm">private mortgage insurance</a>, which can be a costly addition to any mortgage. Finally, there are also limits as to how much you can be charged for closing costs, and in some cases closing costs may be paid entirely by the seller.</p>
<p>As you can see, there are a number of benefits available through a VA loan program. While the basics of buying a home still apply, there are certainly some added features and benefits that make buying a home with a VA mortgage a little more attractive.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/13/mortgages-for-military-personnel-and-veterans.htm">Mortgages for Military Personnel and Veterans</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/">About.com Financial Planning</a> on Friday, April 13th, 2012 at 11:26:31.</p><p><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/13/mortgages-for-military-personnel-and-veterans.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/13/mortgages-for-military-personnel-and-veterans.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/13/mortgages-for-military-personnel-and-veterans.htm&zItl=Mortgages for Military Personnel and Veterans">Email this</a></p>Where Do Your Social Security Taxes Go?<p>If you work and earn income, you are probably aware of the Social Security taxes that come out of your paycheck. Social Security Taxes, otherwise known as FICA Tax (Federal Insurance Contributions Act) is paid by employees and employers to fund the Social Security and Medicare programs. Since a fairly large portion of your income goes towards this tax, it is important to understand where it actually goes, and what benefit it may provide to you.</p>
<h3>Social Security</h3>
<p>The bulk of your FICA Tax money goes into the Social Security program. To be exact, roughly 85 cents of each dollar goes toward Social Security. The money that current wage earners put into the program goes into various trust funds that pay the monthly benefits to current retirees, families, and surviving spouses and children of workers who have died. Costs associated with administering the plan come directly from the trusts.</p>
<p>The administration claims that for each Social Security tax dollar you pay, less than one cent goes toward administration costs.</p>
<h3>Medicare</h3>
<p>The remainder of the FICA Tax money you pay, roughly 15 cents of each dollar, goes into the Medicare program. Like Social Security, the money paid by current wage earners goes into trust funds that pay for some hospital and medical care costs incurred by current Medicare beneficiaries.</p>
<h3>Plan Ahead so You Don't Need to Rely Solely on Social Security</h3>
<p>When you take a look at all of the money that you pay into Social Security to hopefully provide for old age retirement benefits and medical coverage, you better hope that you get every penny back and more. Well, if you still have some time yet until retirement, it is impossible to know what the future holds for these programs. The best thing you can do is to put some money aside for the future to supplement any benefits that you may receive. One way to do this is to open a <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/od/retirementplanning/a/traditionalira.htm">Traditional IRA</a>. Not only will you save some money on taxes right now, but you'll have a nice stash of money to supplement your government benefits.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/08/where-do-your-social-security-taxes-go.htm">Where Do Your Social Security Taxes Go?</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/">About.com Financial Planning</a> on Sunday, April 8th, 2012 at 20:13:11.</p><p><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/08/where-do-your-social-security-taxes-go.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/04/08/where-do-your-social-security-taxes-go.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/04/08/where-do-your-social-security-taxes-go.htm&zItl=Where Do Your Social Security Taxes Go?">Email this</a></p>What to do With Your Tax Refund<p>This is that time of year when you may be anticipating a beefy tax refund that could be anywhere from hundreds to thousands of dollars. The next question you may be asking is what to do with the money you get back from the IRS. You have a lot of options, and some are better than others. Here are a few ideas on <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/od/taxplanning/a/Spending-Your-Tax-Refund.htm">how to spend your tax refund</a>.</p><p style="background:#f5f3ef;border:1px solid #d5d0bf;clear:both;padding:.5em;"><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/03/29/what-to-do-with-your-tax-refund.htm">What to do With Your Tax Refund</a> originally appeared on <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/">About.com Financial Planning</a> on Thursday, March 29th, 2012 at 21:41:59.</p><p><a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/03/29/what-to-do-with-your-tax-refund.htm">Permalink</a> | <a href="http://clk.about.com/?zi=1/1hc&zu=http://financialplan.about.com/b/2012/03/29/what-to-do-with-your-tax-refund.htm#gB3">Comment</a> | <a href="http://financialplan.about.com/gi/pages/shareurl.htm?PG=http://financialplan.about.com/b/2012/03/29/what-to-do-with-your-tax-refund.htm&zItl=What to do With Your Tax Refund">Email this</a></p>
Including your auto insurance with your homeowners insurance can save you 15%. 5. Use one company - If you have two or more cars you can save up to 15% by insuring them with the same company. 6. Drop duplicate coverage - Eliminate your medical coverage if you're already covered under you heath insurance policy, and drop towing coverage if you're covered by AAA. 7. Install a security device - Most insurance companies will give you a discount if you install a car alarm or other anti-theft device. 8. Request discounts - Ask your insurer what discounts are available and take advantage of them. Get all the discounts you're entitled to for such items as automatic seat belts, airbags, and anti-lock brakes. 9. Check ratings - You're not saving a dime if your insurance company won't pay your claim. I recommend going to epinions.com to see what actual customers have to say about various auto insurance companies and how they pay their claims. Visit http://www.LowerRateQuotes.com or click on the following link to get free car insurance quotes from A-rated companies and see how much you can save. You can get more insurance tips by checking out their "Articles" section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to buy auto insurance online. Article Directory: http://www.articlecube.com
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Facebook, Zuckerberg ring in first day of trading from Menlo Park headquarters - San Jose Mercury News
<table border="0" cellpadding="2" cellspacing="7" style="vertical-align:top;"><tr><td width="80" align="center" valign="top"><font style="font-size:85%;font-family:arial,sans-serif"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNHki6S-Q_vMp5qsq-AGZSF0NEx8uw&url=http://www.theglobeandmail.com/news/technology/business-technology/live-coverage-of-facebooks-ipo/article2436745/"><img src="//nt0.ggpht.com/news/tbn/aGlDDyVx8M_-WM/6.jpg" alt="" border="1" width="80" height="80" /><br /><font size="-2">Globe and Mail</font></a></font></td><td valign="top" class="j"><font style="font-size:85%;font-family:arial,sans-serif"><br /><div style="padding-top:0.8em;"><img alt="" height="1" width="1" /></div><div class="lh"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNFYyWUJPHeb0xFU4B4jPzhYu9uh4A&url=http://www.mercurynews.com/business/ci_20653716/facebook-set-ring-first-day-trading-from-menlo"><b>Facebook, Zuckerberg ring in first day of trading from Menlo Park headquarters</b></a><br /><font size="-1"><b><font color="#6f6f6f">San Jose Mercury News</font></b></font><br /><font size="-1">By Jeremy C. Owens After the most successful technology IPO in history, Facebook prepared Friday for its first day on Wall Street, possibly pushing its record $104 billion valuation even higher. Facebook cofounder and CEO Mark Zuckerberg rang the <b>...</b></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNH8q111D-4ntMp9M0Vb8mrtMwh3MA&url=http://www.washingtonpost.com/business/pops-turn-into-flops-why-you-should-resist-buying-facebook-on-its-first-day-of-trading/2012/05/18/gIQAowlDYU_story.html?tid%3Dpm_business_pop">'Pops' turn into flops: Why you should resist buying Facebook on its first day <b>...</b></a><font size="-1" color="#6f6f6f"><nobr>Washington Post</nobr></font></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNFuHKH0QkUQevLHFIdTSPXI_hl_Yw&url=http://www.google.com/hostednews/ap/article/ALeqM5jwIdgRW76pXdy-yQRGjYzQIu6qpQ?docId%3D149b2659add147da9646b30bcf5c126f">FACEBOOK IPO LIVE: The social network goes public</a><link rel="syndication-source" href="www.ap.org/149b2659add147da9646b30bcf5c126f" /><font size="-1" color="#6f6f6f"><nobr>The Associated Press</nobr></font></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNEqfioI_4dMw4qCXdLsbKKfDA4UvQ&url=http://www.computerworld.com/s/article/9227277/Final_count_down_to_Facebook_s_IPO_begins">Final count down to Facebook's IPO begins</a><font size="-1" color="#6f6f6f"><nobr>Computerworld</nobr></font></font><br /><font size="-1" class="p"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNHZGEYGjragrdKkch7ebdtPyAj2kA&url=http://abcnews.go.com/Business/facebook-ipo-mark-zuckerberg-ushers-biggest-tech-us/story?id%3D16376373"><nobr>ABC News</nobr></a> -<a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNG-bnmTPnvIPy0AqZ7bcc-eI5L85w&url=http://marketday.msnbc.msn.com/_news/2012/05/18/11755789-facebook-founder-zuckerberg-opens-trading-at-nasdaq-stock-market?lite"><nobr>msnbc.com</nobr></a></font><br /><font class="p" size="-1"><a class="p" href="http://news.google.com/news/more?pz=1&ned=us&ncl=drf-zmr9A1gF3pM9lMXIRhqyvIzaM&topic=h"><nobr><b>all 9,606 news articles »</b></nobr></a></font></div></font></td></tr></table>Solar Installers Caught In Cross Fire Of Escalating China Trade War - Forbes
<table border="0" cellpadding="2" cellspacing="7" style="vertical-align:top;"><tr><td width="80" align="center" valign="top"><font style="font-size:85%;font-family:arial,sans-serif"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNEC-Jw6IgzyjpThSnu5gg530AwV3w&url=http://www.latimes.com/business/la-fi-china-solar-dumping-20120518,0,7419466.story"><img src="//nt2.ggpht.com/news/tbn/VlJ_7PYBgVleZM/6.jpg" alt="" border="1" width="80" height="80" /><br /><font size="-2">Los Angeles Times</font></a></font></td><td valign="top" class="j"><font style="font-size:85%;font-family:arial,sans-serif"><br /><div style="padding-top:0.8em;"><img alt="" height="1" width="1" /></div><div class="lh"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNFCPrUKv8Y3Hy4IoV2EFrFtykefAQ&url=http://www.forbes.com/sites/toddwoody/2012/05/18/solar-installers-caught-in-cross-fire-of-escalating-china-trade-war/"><b>Solar Installers Caught In Cross Fire Of Escalating China Trade War</b></a><br /><font size="-1"><b><font color="#6f6f6f">Forbes</font></b></font><br /><font size="-1">Will the booming US. solar installation industry become collateral damage in the growing solar trade war with China? On Thursday, the US Commerce Department issued a preliminary decision levying steep tariffs against Chinese solar manufacturers, <b>...</b></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNFlM_ypuDP7UpIs9Rhi8smA4RKNaQ&url=http://www.thestreet.com/story/11542229/1/facebook-ipo-china-rejects-solar-ruling-hot-trends.html">Facebook IPO, China Rejects Solar Ruling: Hot Trends</a><font size="-1" color="#6f6f6f"><nobr>TheStreet.com</nobr></font></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNEC-Jw6IgzyjpThSnu5gg530AwV3w&url=http://www.latimes.com/business/la-fi-china-solar-dumping-20120518,0,7419466.story">US orders tariffs on Chinese solar panels</a><font size="-1" color="#6f6f6f"><nobr>Los Angeles Times</nobr></font></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNGoQCn_EwBNgStzbpauubuf_wrNqg&url=http://www.kgw.com/news/business/Obama-tariffs-aid-Oregons-SolarWorld-feud-with-China-152023345.html">New tariffs will help Oregon's SolarWorld compete with China</a><font size="-1" color="#6f6f6f"><nobr>kgw.com</nobr></font></font><br /><font size="-1" class="p"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNFzoVbgIIguA8c-Ejb2Xx6wuqdaVA&url=http://www.newsmax.com/Newsfront/china-solar-panels/2012/05/18/id/439522"><nobr>NewsMax.com</nobr></a> -<a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNHVMc5I451q-ewKTWBlW87UiYKpeg&url=http://www.sacbee.com/2012/05/17/4498085/trina-solar-statement-on-preliminary.html"><nobr>Sacramento Bee</nobr></a> -<a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNHAtnubE4KuUpYyNeDseK2ZBTQ76g&url=http://www.elp.com/index/display/article-display/9399103656/articles/electric-light-power/renewable-energy/solar/2012/May/Chinese_government_rips_U_S__tariffs_on_solar_panels.html"><nobr>Electric Light & Power</nobr></a></font><br /><font class="p" size="-1"><a class="p" href="http://news.google.com/news/more?pz=1&ned=us&ncl=dG5KUJvKJJAlZtMh1_tRTQSBdJbWM&topic=h"><nobr><b>all 701 news articles »</b></nobr></a></font></div></font></td></tr></table>CORRECT: ECB, Commission Working On Greek Exit Plans-EU's De Gucht - Wall Street Journal
<table border="0" cellpadding="2" cellspacing="7" style="vertical-align:top;"><tr><td width="80" align="center" valign="top"><font style="font-size:85%;font-family:arial,sans-serif"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNFQYXOijH12tX-HL32lrNcDmKobFw&url=http://www.moneycontrol.com/news/world-news/euro-zone-finance-ministers-dismiss-greek-exit-_704396.html"><img src="//nt2.ggpht.com/news/tbn/6mPr7Erd3h-VzM/6.jpg" alt="" border="1" width="80" height="80" /><br /><font size="-2">Moneycontrol.com</font></a></font></td><td valign="top" class="j"><font style="font-size:85%;font-family:arial,sans-serif"><br /><div style="padding-top:0.8em;"><img alt="" height="1" width="1" /></div><div class="lh"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNEEIhIpXdmRKBfI0Mpwd6S4DQhf9g&url=http://online.wsj.com/article/BT-CO-20120518-706871.html"><b>CORRECT: ECB, Commission Working On Greek Exit Plans-EU's De Gucht</b></a><br /><font size="-1"><b><font color="#6f6f6f">Wall Street Journal</font></b></font><br /><font size="-1">("UPDATE: ECB, Commission Working On Greek Exit Plans - EU's De Gucht," at 1213 GMT, misstated the name of commision spokeswoman in the eighth paragraph. The correct version follows:) BRUSSELS (Dow Jones)--The European Commission and the European <b>...</b></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNHwN3Sl75NCJOwxDUqVhvqhpGQYMQ&url=http://money.cnn.com/rssclick/2012/05/18/markets/europe-asia-stocks/index.htm?section%3Dmoney_topstories%26utm_source%3Dfeedburner%26utm_medium%3Dfeed%26utm_campaign%3DFeed%253A%2Brss%252Fmoney_topstories%2B(Top%2BStories)">Europe fears pressure world markets</a><font size="-1" color="#6f6f6f"><nobr>CNN</nobr></font></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNFkwFQ6fg3BPNskEM7FTXDiEi4V4w&url=http://www.chicagotribune.com/news/sns-rt-us-ecb-greecebre84h0jf-20120518,0,4032186.story">ECB says won't speculate on Greek euro exit</a><font size="-1" color="#6f6f6f"><nobr>Chicago Tribune</nobr></font></font><br /><font size="-1"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNHUZVDpdutTInk3gwxL4j5xBTnxxg&url=http://in.reuters.com/article/2012/05/18/wrapup-1-europe-thinks-the-unthinkable-o-idINDEE84H0C420120518">Europe thinks the unthinkable on Greece</a><font size="-1" color="#6f6f6f"><nobr>Reuters India</nobr></font></font><br /><font size="-1" class="p"><a href="http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNEt_iGHiWXRhMS20wjnE_aV7LFc8Q&url=http://www.bbc.co.uk/news/world-europe-18114556"><nobr>BBC News</nobr></a></font><br /><font class="p" size="-1"><a class="p" href="http://news.google.com/news/more?pz=1&ned=us&ncl=dz4yjsxjBtbbByM_GTv3uWyE-nlYM&topic=h"><nobr><b>all 8,162 news articles »</b></nobr></a></font></div></font></td></tr></table>
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