Claim Negotiation - Beat the Insurance Company

Is there a correct way to a successful claim negotiation? Yes there is. But you must be willing to play hard ball. I am not kidding you. Insurance companies are the very best negotiators out there. They know the

rules, and they know when to break them. They understand the system, and they can and will take advantage of the unwary.

It does not matter if you are dealing with a personal injury claim, a health insurance claim, or the total loss value of your car. Insurance companies will use "dirty techniques" to get you to settle for the

least amount possible. For example, in the case of a total loss, they will cut your rental car early so you do not have a car to drive. The only way to get money to go find another car is to settle your total loss right then.

How can you handle a good claim negotiation? Or better yet, how can you play hard ball and beat the insurance company? The best thing you can do is to document in writing everything about your claim. If the insurance company contacts you and tells you that the value of your car is at most

$10,000, then you need to tell them to put it on writing. Everything the adjuster says must be on writing. This makes insurance companies nervous because you can always show that an adjuster has misrepresented the facts or the law and they can be suit for bad faith.

You can ask the insurance adjuster to follow up in writing. However, you can also write a letter stating the highlights of your conversation. You can also ask the adjuster for written evidence of what they

say is in your policy or is required by law. For example, you can write the following:

Ms. Adjuster, per our conversation today, you have stated that you cannot provide a rental car for

more than three days. Please provide the pertinent statute that states that. You also told me that per my policy, I had agreed to go to arbitration if you and I disagree to the value of the settlement. Please provide the exact policy language, noting page, paragraph, policy edition, and all pertinent definitions.

Thank you."

You are now binding the insurance company to its words. If you send a letter to the insurance company, make sure you send it certified or at least you get delivery confirmation; if you ever need to prove that you did send it, then you can do that with no problems.

Documenting everything with the insurance company is also an effective way to avoid the common technique of "changing adjusters." Insurance companies and their managers know when the "claim negotiation" is not going their way. They love to switch adjusters on you so you have to renegotiate

points that you have already settle on. Most insurance companies will tell you that the adjuster went on vacation, is ill, left the insurance company, or that they had to reassign the claim for some other reason. Although this could be legitimate, it is also very convenient. Be aware.

If you have everything documented, a new adjuster cannot just tell you: "well sir, I am sorry Bob said that he would give you $7,000 for your car, that is clearly a lot more than I would ever be able to give you, I can only settle for $5,500." If you do not have anything in writing, then you could have an uphill battle getting the value back to $7,000. But if you have this in a letter, you can show it to a lawyer, a jury, or the office of the department of insurance. You've got them!

The only way you can really beat the insurance company is by making sure everything is in writing, every negotiation, every law, every quote or estimate. This is the only way you can hold the insurance company up to their promises.

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Worst Cars To Buy

First of all, avoid any car the first year it's released. I noticed in the paper this morning that you could lease a new Ford whatever their new SUV/sedan cross is for the same price you lease a Ford Explorer. What fool would buy a new car, before the manufacturer has had a year or two to iron out the bugs? They're in constant contact with dealers and service departments to find out how their new cars are performing and what customers like and don't like about them. Give them some time to fine tune the car before buying it for yourself.

Never buy whatever car is super popular. You'll pay top dollar, and you'll never get that money back out of it. No car dealer will dealer on a hot car. Why should they, if someone else who's willing to pay full price will buy it later that day? It's often hard to find a dealer who even has a hot car on his lot. There's no way in the world they're going to give you a price break if they're the only dealer within 200 miles who has the car everyone wants. And two or three years later, when you're ready to sell the car, there are enough of them available, and they may no longer be the hottest car, that you won't be able to sell it for the same top dollar you bought it for.

A car that you only keep for a year or two definitely qualifies as a 'worst car to buy.' One study I read found that if a person kept every car they bought for ten years or more, instead of buying or leasing a new one every three years, that they would save $400,000 by the time they turned 65. It didn't matter whether they bought the car new or used, or what kind of car they bought. It was cheaper-significantly cheaper-to buy it and pay for whatever repairs came up. Cars are lasting longer every year, so it's possible you could keep your car even longer than ten years, and save even more money. Please don't be one of those people who buys a new car every four or five years.

Please don't make the terrible mistake of leasing your next car. Car salesmen can convince anyone that this is a great way to go if you don't have a lot of money to put down for your car (who does?) or if you want to buy a nicer car that you couldn't afford otherwise. You can't afford to lease a car; even Bill Gates can't afford to lease a car. Please cross leasing off your list of car options. We can't find anything truly worthwhile about leasing.

And now our list of worst cars to buy for 2007 (by make and model):

BMW 7 Series and X5

Chevy Astro, Blazer, Express, S-10 with 4WD, Venture,

Chrysler Town & Country (with all wheel drive)

Dodge Grand Caravan (all wheel drive)

GMC Jimmy, Sonoma 4WD, Safari, Savana

Infiniti QX56Jaguar S and X-types

Jeep Grand Cherokee

Kia Sedona (the 2006 is acceptable, if you must buy a Kia)

Land Rover Discovery

Lincoln Aviator and Navigator

Mercedes-Benz CLK, M- and S-Classes, SL

Nissan Armada, Titan

Oldsmobile Bravada, Cutlass and Silhouette

Pontiac Aztek, Trans Sport,

Volkswagen Cabrio, Jetta Turbo, Jetta V6, Beetle, Touareg

That's our politically correct list. But the fact is, in a million years we'll never buy: any British car (Land Rover, Jaguar, Mini-Cooper, Lotus, etc.); any German car (Volkswagon, BMW, Mercedes, Porsche, etc.) or any French car. Have you ever sat in the back seat of a BMW? If you're more than five feet tall, there's no headroom. A lot of these cars have become associated with the rich-you've made if you drive a Mercedes. But I've never met anyone who any of these who was really happy with it. We know all about the numbers of repairs per vehicle, but we've own a lot of these cars, or had family member or close friends who owned them. Please don't make the same mistake these people did. Buy yourself a nice Honda or Toyota.

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Understanding Your Incentive Stock Options

If you receive stock options as part of your employee compensation package then you are one of the lucky ones. This article is intended to shine a little light on how one of these options, incentive stock options, works from an employer incentive standpoint and how they function for tax purposes.

The fact that you are receiving stock options is a testament to your value as an employee. Management realizes that competent people are critical to the success of any organization. For public companies, stock options are a way to motivate employee behavior, while at the same time anchoring good employees to the company by virtue of placing certain vesting requirements or restrictions on the exercise of the stock options.

How valuable are stock options? Let me give you an example that, to this day, is still fresh in my memory. When I was just starting out my career and working for a large international accounting firm, I was put on assignment for a project with a large, publicly-held pharmaceutical company. I was into my sixth month on the project and I remember it was a Friday and there was an unusual congenial buzz about the facility, much more than the typical Friday in the summer in New Jersey.

I began to ask around as to the source of this congeniality and soon found out that some stock option vesting window opened (vesting is a restriction on an employee's ability to exercise stock options) and because the stock price had been flying high at that moment, there were many individuals who were about to make a lot of money by exercising their stock options (purchasing the stock) and selling their newly acquired shares.

Well, the weekend passed uneventfully for me, but on that Monday, when I made my way into the parking lot of my big client, I noticed something very different. It appeared to me as if the parking lot had, over the weekend, transformed itself into a new car dealership -- BMWs here, Mercedes' there. It seemed surreal to me, all these new cars magically appearing over the weekend. It quickly dawned on me that, indeed, there had been some spending of those stock options over the weekend. This disproportionate distribution of wealth is what stock options are all about. The American Dream of "overnight" wealth.

Companies that grant stock options to employees refer to such grants as Compensatory Stock Options. These are broken down into two categories: Incentive Stock Options ("ISO", the subject of this article) and Nonqualified Stock Options. Most employees receive incentive stock options. Nonqualified stock options are usually earmarked for senior executives or non-employees that the company feels are critical to the management of the company's business.

ISOs give the employee the right to purchase the company's stock (called "exercising" the stock option) at a fixed price (called the "exercise price"), for a period of time not to exceed ten years from the date the options are granted to the employee (called "grant date"). The employee can only exercise the ISO as long as they are an employee of the company or within twelve months after termination of employment. There is no taxation to the employee when they receive their ISOs. Even better, there is no regular income tax when the employee exercises the stock option (buys the stock). Taxation occurs in two instances:

1. When the employee exercises the stock option (purchases the stock) there is no regular income taxation, but there may be an alternative minimum tax on the excess of the fair market value of the stock on the exercise date over the employee's exercise price (discounted purchase price of the stock).

2. When the employee exercises the stock option (purchases the stock) and subsequently sells the stock there is taxation. Here is where ISO taxation gets complicated. When you buy your company stock (exercise the stock option) and sell the company stock the taxable amount is determined based on when you sold the stock. You can purchase the company stock (exercise the ISO) and sell the stock in the same year (called a disqualified disposition) or you can purchase the company stock and sell the stock in a subsequent year. When you sell the company stock in a subsequent year the regular tax treatment depends upon how long you held the stock and how long you held the stock options.

*Buy and Sell the company stock in same year or within twelve months. You may have both W-2 income and short term capital gain income as follows:

- W-2 Income is equal to either A or B below, whichever is the lower amount:

(A) The fair market value of the employer stock on the exercise date (date you purchased stock) over the exercise price (discounted purchase price) or

(B) The sales proceeds on the sale of the company stock over the exercise price (discounted purchase price) and

- Short-Term Capital Gain Income is equal to the excess of the sales proceeds on the sale of the company stock over the fair market value of the company stock on the exercise date (date of purchase).

* Buy company stock in one year and sell it in the next year. If you hold the stock for more than twelve months (and you held the ISO for more than two years), then the difference between the sales price and the exercise price is a long term capital gain which is subject to a maximum 15% federal tax rate. If you hold the stock for twelve months or less than the tax calculation is the same as if you had bought and sold the stock in the same year (W-2 income and possibly short-term capital gain income).

ISO Example: Stan Smith is an employee of Savurlife Pharmaceutical Inc. and is given ISOs on January 1, 2004 that entitle him to purchase (exercise) 100 shares of Savurlife at $1,000 (exercise price) on January 2, 2006 (exercise date/purchase date). The fair market value on January 2, 2006 is $3,000. If Stan does not sell the stock in 2006, then $2,000 ($3,000 less $1,000) will be subject to alternative minimum tax in 2006, but not subject to any regular income tax in 2006. If Stan sells the stock in 2006 for $3,000 then the $2,000 will be treated as W-2 wages in 2006. If Stan sells the stock on January 3, 2007 (one year and one day after purchase and ISO held more than two years) for $3,000 then the $2,000 gain will be treated as a long-term capital gain and taxed at no more than the maximum capital gains federal tax rate of 15%.

Employers will grant ISOs to employees but place certain restrictions on an employee's ability to exercise the ISOs. This is done, in part, to provide a means of preventing employees from seeking employment elsewhere. Employers use "vesting" (a typical restriction placed on the employee's ability to exercise an ISO that may be tied to some vesting date) as a means of motivating the employee to stay with the employer. ISOs are typically granted annually and may be tied to some specific goal achieved by the employee or an overall goal (i.e. earnings target) achieved by the company. Over time these ISOs can become a substantial incentive to stay with the employer. If you find yourself the lucky recipient of an ISO, bide your time, work hard, and wait for that ISO Friday to cash in on the American Dream.

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Cheap Full Coverage Car Insurance

Do you know what it means to have full coverage car insurance? Having full coverage car insurance means you have more than just the minimum car insurance to "get by" in your state. With full coverage car insurance, you and your car are just that - fully covered and protected against anything that may happen to you or your car.

Obviously full coverage car insurance is going to cost more than the minimum car insurance requirements in your state. This is because you are covering everything. Because of the difference in cost, many car owners choose to purchase their state's minimum car insurance requirements rather than purchase a full coverage car insurance policy.

Nice solution, but it won't work for everyone. Some people, for a variety of reasons, are required to purchase full coverage car insurance.

So, how can you get cheap full coverage car insurance?

There are a couple of ways to get cheap full coverage car insurance. First, search, search, search! Don't just choose the first car insurance company you find in the yellow pages - use all available resources. This includes newspaper advertisements, classifieds, commercials, billboards, word-of-mouth, and the Internet.

Second, search for a car insurance company that offers discounts for various reasons. Some car insurance companies offer discounts for good driving records, your age, the kind of car you drive, and the number of cars on your car insurance policy. There are also insurance companies that sell more than one kind of insurance policy, and will offer you discounts if you purchase two or more insurance policies from them. For example, you may be able to get cheap full coverage car insurance if, in addition to purchasing full coverage car insurance, you also purchase a homeowner's insurance policy from the insurance company, too.

More coverage doesn't always have to mean more money. Choosing the right company and finding discounts can help you get cheap full coverage car insurance.

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Car Financing With Bad Credit - Don't Settle For Abuse

Not everybody has good credit. This should not be news. But what may be news to people with less than stellar credit is that they don't have to settle for abuse when financing a car with bad credit. They just have to be aware of the different set of circumstances that is likely to apply to their situation.

If you're going to finance a car, even if you have good credit, it is often wiser to get a car loan from a bank. That can give you cash in hand when you walk into the dealer, which often can get a better deal on the vehicle (the dealer does not want to let a cash buyer walk away).

Unfortunately, if you have bad credit some banks will not lend you money for a car. Credit markets are tight these days after the subprime blowup, and banks are getting a bit pickier. That means you might be forced to finance through a dealer. This is where the potential for abuse comes in.

Some dealers will jack up the price of a car for borrowers with bad credit. This is often the case with dealers who say they specialize in helping bad credit borrowers. They might also add on extra "features" to your purchase price, like credit insurance. Their tactics are not necessarily a scam, but ignorance of what they're doing can cost you.

The best defense is knowledge. Here are some things to keep in mind if you finance through a dealer:

Often dealers use what is called a "captive" financing company (meaning it is owned and run by the auto manufacturer), and they need your business. You are not really in complete control, but you do not have to feel like you're begging either.

Research the price of the car before you buy. Do not settle for a 50-100% sticker markup because you think that is what you have to stomach due to your bad credit. Find the real price, then add $200-600 for dealer profit.

Be prepared to offer a solid down payment. If you can't put any money down at all, you will find yourself abused by financing companies, including dealers. If you can offer a larger down payment, you'll be a more attractive prospect...but don't forget that advice about not paying too much.

Consider dealer networks. These are what they sound like-networks of dealers. They compete for business, much like the members of a financial network like LendingTree do. If you have bad credit, submitting your information online to a dealer network might produce several dealer options for you.

In a nutshell, financing with bad credit does not have to be fraught with danger. You do not have to settle for abuse just because your credit is not perfect. But you do have to be smart to keep yourself from being raked over the coals.

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Terms to Know Before Leasing A Vehicle - Leasing Jargon Simplified

So, you've decided that you want to lease that next vehicle. Can't really blame you. With today's incentives, rebates, and favourable lease rates why wouldn't you. Not only do you get to drive a new car, but a new car that you wouldn't otherwise be able to afford if you were to purchase and finance it. Buyer beware though. With leasing comes new and sometimes rather confusing vocabulary. Don't get lost in a sea of leasing jargon. Protect yourself. Learn and understand the industry language. For those seriously thinking of leasing that next vehicle, here is a useful glossary of "new" terminology that you should familiarize yourself with BEFORE you negotiate a lease:

Acquisition Fee: An administrative charge levied by the leasing company for processing a lease. This fee is typically NOT negotiable and can have a significant bearing on the overall cost of the lease.

Base Interest Rate: This is the cost of leasing and using a vehicle and is measured by the interest paid over the lease term.

Buy at end-of-term interest rate: This is the net interest rate for the lease if the lessee, at the end of the lease term, purchases the vehicle at the end-of-lease purchase price.

Capitalized Cost: This is the total purchase price of the vehicle. The price includes the cost of all extras such as vehicle options, extended warranties, life insurance, and rustproofing. The capitalized cost equals the amount you would pay for the vehicle if the vehicle were being purchased.

Capitalized Cost Reduction: A capital cost reduction is a down payment, in the form of cash or trade-in, that is applied to the final purchase price of the vehicle reducing the monthly lease payment.

Closed End Lease: Leases in which the lessee's financial obligation rests only with the negotiated monthly lease payment. Since the residual value of the vehicle is stated in the lease contract, the lessee is not financially responsible if the actual value of the vehicle is less than the stated residual value. The lessee need only return the vehicle at the end of the lease term with no further obligation.

Dealer Participation: A rebate or discount, contributed by the dealer, reducing the final purchase price of the vehicle.

Depreciation: The decrease in value of a vehicle over time. Depreciation in automobile leasing is the difference in value between the cost of a new vehicle and the value of the vehicle at the end of the lease term.

Disposition Fee: A fee charged by the lessor at the end of a lease to ready the car for sale. The lessor may apply this fee against the deposit made by the lessee at the beginning of the lease term.

Down Payment: A sum of money paid at the beginning of a lease contract, usually at the time of signing, that is applied to the final purchase price. In leasing, the down payment is referred to as the capitalized cost reduction. Typically, the larger the down payment, the smaller the lease payment.

Early Termination Fee: A penalty paid by the lessee for terminating a lease contract early. A lessee pays for the depreciation of a vehicle in equal monthly payments. Since a vehicle's depreciation is highest in the first months of a lease, terminating a lease early results in the lessee using more of the vehicle's value than what they've paid for subjecting the lessee to penalty.

End-of-Lease Purchase Price: Also known as the residual value. This is the price at which the lessee may purchase the vehicle at the end of the lease term.

Excess Wear & Tear: Wear and tear beyond what is deemed acceptable by the leasing company. It is the responsibility of the lessee to take reasonable care of the car and to ensure it is returned at the end of the lease term in good condition. Bald tires, body dents, and engine trouble due to neglect could subject the lessee to repair and replacement charges.

Gap Insurance: The name given to a type of insurance coverage that covers the difference between the actual cash value of the leased vehicle and what is still owed on the lease contract. If a leased vehicle is destroyed in an accident or stolen, gap insurance coverage protects the lessee against additional losses due to "gaps " between the insurance settlement and the lessee's financial obligations set out in the lease contract.

Independent Lessor: These are non-traditional lessors, usually an individual business, that can structure and write a lease for most makes and models of vehicles. The terms and conditions of the lease agreement can be customized to accommodate different lease and mileage conditions.

Lease Extension: This is the continuation of a lease, beyond the original lease contract. Payments are continued on a month-by-month basis at the same sum negotiated at the beginning of the lease term.

Lease Term: This is the length of the lease contract. Most vehicles can be leased for 12, 24, 36, 48, and 60 month lease terms. The monthly payment of a lease will vary depending on the length of the lease term.

Lessee: Name assigned to a person or party who signs a lease and agrees to assume responsibility for a vehicle and the lease payments.

Lessor: Name assigned to a person or party that owns the vehicle and agrees to lease it to the lessee.

Mileage Allowance: Lease agreements establish a maximum mileage allowance that the car may be driven over the life of the lease. The agreement will also specify the cost per mile or kilometer the car is driven over and above the allowance that is due and payable at the end of the lease term.

Money Factor: This is a number used to calculate the base interest rate of a lease. To arrive at a base interest rate, leasing companies will multiply a money factor by 2400. The money factor of a lease is known by the leasing and sales consultant at the dealership and is used to calculate the cost of money in the same fashion as an interest rate does. The lower the money factor, the lower the monthly lease payments.

Monthly Payment: A payment made on a specified date each and every month as specified in the lease contract. Monthly lease payments calculated on a lease contract typically include all applicable taxes.

Net Interest Rate: This is the total interest rate for a lease and represents the true cost of the lease. The lower the net interest rate, the lower the cost of the lease.

Open-End Lease: Leases in which the lessee's financial obligation may exceed the negotiated monthly lease payment. In an open-end lease the residual value is set at the beginning of the lease term. The lessee is financially responsible if the actual value of the vehicle is less than the stated residual value.

Purchase Option: Option extended to the lessee, at the end of a lease contract, to purchase the vehicle at the pre-determined purchase price. The pre-determined purchase price is normally the stated residual value in the lease contract.

Residual Penalty: This is the penalty a lessee pays if the end-of-lease purchase price is greater than the expected value of the vehicle at the end of the lease term.

Residual Value: This is the expected or pre-determined value of a leased vehicle at the end of the lease contract. The stated residual value on a lease contract is normally the buyout price at the end of a lease term. The residual value also determines whether the lessee should purchase the vehicle at the end of the lease term. If the residual value is less than the actual market value it would be advantageous for the lessee to buy the vehicle and sell it to a third party.

Security Deposit: This is a sum of money, paid up front, as security for excess wear and tear on the leased vehicle. The amount is refunded if the vehicle is returned in good condition. In some cases, the deposit may be applied against the final monthly payment.

Good luck and happy negotiating!

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Buy cheap luxury cars - Government Seized Car Auction

Low cost luxury cars are the best way to improve the image of a company. Contrary to popular belief, there is no need to spend a lot of money. These luxury cars can be very cheap or rented as well.

If there are special occasions, you can rent by the day and return it, saving a lot of money. There are many companies that do this type of activity and it is almost like an independent automotive.

Many companies use car technology worldwide and the design of its products at low cost. Chrysler is one of those companies. Opened a new avenue for luxury cars with $ 30,000. The most popular models include the Chrysler 300 and the Lexus IS 250.

In India, there are many transport companies that sell and rent luxury cars at low prices. These are generally provided for officials from other countries, tourists, and fairs.

Hotels also offer their customers luxuryAuto> for best results. Do not charge a lot for the transportation and SUVs like Innova and Tavera are used Mercedes for a team from the World Bank and Mitsubishi for all Japanese visitors.

The best place to find luxury cars are cheaper at auctions in Japan. There are car auctions in Japan, where you can buy a used car and export to your country. This saves a lot of money when compared to the purchase of a luxury to a local dealer.

TheJapanese are known for their models of Toyota, Nissan, Subaru and Honda. They offer all the comfort, safety and equipped with the latest technologies. But it is very important to find a reliable company, which is associated with the government.

Second-hand dealers are not reliable and may be unreliable. This process of buying a luxury car is very simple, you can do online. Normally, it sold 40,000 vehicles a day. The only drawback is that the process couldbe very slow.

There are many things you need to know when buying a luxury car cheaper to prevent fraud. Many people regret their decision after buying the car.

The first thing to do is care insurance. The car must be justified, some insurance companies do not provide safe to use, car insurances">cheap car. Then, the luxury car and the better the car needs to be revised. Must be considered and studiedcarefully before buying an expensive luxury car.

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Pay As You Go - Car Insurance?

We're all used to the concept of a pay as you go mobile phone, but now there is the option to apply the same principle to your car insurance. This latest type of insurance is a step to cut costs for younger drivers.

While it won't bring the premiums of a 19 year old down to the level of a 40 year old, it will help secure a substantial saving on their policy. Insurers are recognising that although drivers under 25 have a higher percentage of road accidents, not all drivers in this age group are unsafe or reckless.

Therefore, a driver in the high-risk age group can opt for a 'black box' - similar in principle to the ones used in aircraft - fitted to their car. This sends details of journeys to the driver's car insurance company, who can then work out the costs per mile. During the day, driving is relatively low-cost, starting from 5p per mile, in quiet times. During rush hour the cost per mile will raise, and the highest cost comes between the hours of 11pm and 6am, when the fee is a flat £1 per mile.

The aim of this is to prevent young drivers from using their cars late at night, which is when most accidents tend to happen. There is a fee for fitting the box, but for a young, safe driver the benefit of cheap car insurance will compensate for this. The average saving this type of premium can give is around 30 - 40%. To an age group traditionally quoted in the region of £2000 per year for insurance, that's an amount not to be scoffed at.

Of course, if you don't like the idea of a black box tracking your every move, you can always opt for taking a Pass Plus course, which can give you a similar discount. If you've already taken one of these courses, mention it next time you apply for a car insurance quote and you may be surprised at the difference.

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Company Contract Hire is Cost Effective

Saving money is the goal of every business out there, but they want to make sure that the work they have gets completed. Company contract hire is cost effective as it allows them to get employees when they need them. These are on a contract basis though which means they may not have to pay them as much money. They also won't have to offer paid vacations, health insurance, unemployment insurance, and other benefits.

Cutting down on the cost involves in those areas alone can save a business a great deal of money. Sometimes company contract hire employees will remain with the business for a very long time. As long as there is work they can continue to be offered a position. Such a job can be a great entry level place to start. Once an employee has their foot in the door though they can apply for regular positions within the company that open up.

Other times company contract hire is for a specific period of time. For example they may have a particular project that needs to be completed. The employees will be contracted for either a specific period of time or until that project has been completed. A business may hire them for the holidays when their level of business is much higher than normal.

For those that aren't sure what type of career they want to take part in, company contract hire is a good way to explore many different ones. It can also lead to becoming passionate about a given type of work that a person wasn't really exposed to or interested in before.

Someone that is only available to work during the summer or the holiday time due to college or other commitments can also benefit from company contract hire. They get the chance to develop new skills, work with a variety of people, make money, and to get some great job experience.

You will find that company contract hire is a very common when it comes to the world of online businesses. A business owner can hire someone on a contract basis to create and maintain their website, to write articles for search engines, to develop marketing strategies, for customer service, and much more.

Not everyone out there is a fan of company contract hire though. They feel this is a way for businesses to get out of paying for health insurance, good wages, and other types of coverage that employees would normally gain by working for them. Yet it gives the company the same benefits from regular employees because they are getting the work that they need done.

You will have to make up your own mind about company contract hire. It may work well for you based on your needs at this point in time. However, if you have a family you may really need the health insurance coverage but it isn't offered. Many people are thankful for any job though in today's economy so they take what they can get in the hopes something more permanent will come along.

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The Only Way to Find Auto Insurance Discounts

How can you find auto insurance discounts in a world that that begs for money? It's no secret that the auto industry is hurting right now, even after the billion dollar bailout package was passed. You might think that high insurance rates come with the territory, but if that's the viewpoint you carry, then you might miss out on some considerable discounts.

What are some ways to find auto insurance discounts? For starters, consider the occupation that you are currently working. Insurance companies collect information about all types of people and notice various trends relating to choice of career. Naturally, full time drivers get into more accidents than the average office worker. Statistically speaking, engineers seem to get into fewer accidents than the average driver. In the insurer's mind, it is a fact that engineers are safer drivers. You can benefit from your insurance company's research report.

You can also receive auto insurance discounts based on your vehicle's safety features. Some cars are loaded with safety features; some of these might include anti lock brakes, automatic seatbelts and airbags. Some car models are built to survive collisions. You can't even compare an old model Mercedes Benz to a Kia! Bigger and longer cars are statistically safer than lighter, faster cars. That means a lot to an insurance company who might be stuck paying for high medical expenses.

Another option that may help you is to assume more risk when it comes to collisions. There are auto insurance discounts available for drivers that keep their deductible high. By agreeing to take on more responsibility for minor accidents on your own, you can save money on premium rates-rates that are partially based on minor collision damages.

Another way to increase your personal responsibility, which will also provide you with more auto insurance discounts, is to drop certain types of insurance coverage. For example, if you drop your collision insurance policy and keep basic liability, you can easily reduce your monthly rate by 50%-70%! If you drive an older model car then you don't have much to lose. The car is probably not even worth the amount you spend on full coverage insurance. Save your money and pay for repairs on your own.

Start comparing auto insurance coverage today by using an insurance comparison website! You may be able to find a policy that is fair, affordable and much less expensive than the policy you currently have!

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Free Mercedes Automobiles

If you want a FREE Mercedes Benz for a year (insurance included), then watch this video!

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Are Certified Cars Worth the Extra Cost?

Are certified used cars really a great thing, or is it just another way for dealerships to charge extra money for a car and get away with it? Certified used cars or certified pre owned car programs started in the early 1990s by luxury car brands like Lexus and Mercedes Benz. It was a way to sell cars just coming off leases back to consumers instead of taking them to auto auctions or used car lots. These certified cars were ideal for luxury car buyers on a budget.

Certified pre owned cars must pass a safety inspection and carry a warranty. Due to these requirements, certified pre owned cars cost more than a car just like it but not certified. Certified used cars make up over 40% of all used car sales. That main reason these cars are so popular is because it gives consumers a chance to get a nearly new car at a price they normally couldn't afford. It's much cheaper to get a certified used luxury car than buying the luxury car new.

A big draw of these certified car programs is the guarantee that consumers will have a like new car at close to used car price. Most certified programs include 100 point inspections, reconditioning, warranty coverage and roadside assistance. Some even have a return or exchange policy.

The peace of mind from buying an inspected car with warranty is worth the extra cost to many consumers, which is exactly what dealerships and manufacturers want you to think. These certified vehicle programs were actually developed after consumers asked for easier ways to buy used cars. It's just a benefit to dealers that they can charge more for a certified pre owned vehicle.

By getting a vehicle certified, the dealer can raise the asking price of the vehicle. The certification cost is probably only one half to one third of what the dealer is actually charging. Most dealers will only certify and purchase warranties on the cream of the used car crop. Dealers will tout the fact that the vehicles are repaired, returned to manufacturer's specifications or upgraded in the certification process. The reality is that during the inspection if the vehicle is found to have a major problem then it's taken out of the certification process and sold as is or wholesales to an auto auction house.

When buying a certified vehicle, only purchase a factory certified vehicle and not a dealer certified one. The dealer certified vehicles can be a gamble and not a sure thing like the factory certified cars.

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2008 Mercedes-Benz SLK-Class #M160079 in Chicago Ifyou are looking for real value on a great used car, Fletcher Jones Imports Chicago invites you to come in and test drive this 2008 Mercedes-Benz SLK-Class, stock# M160079. We are conveniently located near Chicago Schaumburg, IL and known for our great selection, reliability and quality. Come take a look at this 2008 Mercedes-Benz SLK-Class today. Fletcher Jones Imports Chicago 1100 N. Clark Chicago Schaumburg IL, 60610 (800) 251-2797 Although Fletcher Jones' name is relatively new to Chicago, it comes with a rich automotive history. Fletcher Jones opened his first dealership in Los Angeles, CA in 1947. In 2002, Fletcher Jones Jr. partnered with Mike Sullivan to open Mercedes-Benz of Chicago and Fletcher Jones Imports. Our organization learned early on the key to any successful operation is customer satisfaction. For this reason, every member of our team focuses on just that. Our location is convenient for public transportation as well as all major expressways, making the dealership literally minutes away from anywhere in Chicagoland. Customers can take advantage of free indoor parking as well as shop in climate-controlled comfort. More than 1000 Mercedes-Benz, Audi, VW, Honda and luxury used cars are displayed indoors side by side for easy comparison. Thank you for visiting another one of Mercedes Benz of Chicago's exclusive listings! There is still plenty of tread left on the tires. The paint has a showroom shine. This vehicle was tastefully optioned ...

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Insurance Mercedes Benz - Mercedes Car Comparison Insurance Quo

Compare Prices on Mercedes Benz Car Mercedes system we offer compared to find the highest quality Mercedes auto insurance at lower prices.

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Crash Test of 2003- 2007 Mercedes E-Class E 500 IIHS

Mercedes E class 2003-06 models mfg. after Dec. 2002FRONTAL OFFSET TEST OVERALL EVALUATION: Good Structure/safety cage Injury measures Restraints/dummy kinematics Head/neck Chest Leg/foot, left Leg/foot, right Good Good Good Good Good Acceptable Important: Frontal crash test ratings can be compared only among vehicles of similar weight. Test details: The Mercedes E Class was redesigned for the 2003 model year. 2003 E Class models manufactured after December 2002 include structural changes to improve occupant protection in frontal offset crashes. (Note: Information about when a specific vehicle was manufactured is on the certification label typically affixed to the car on or near the driver door.) The Insurance Institute for Highway Safety has evaluated the crashworthiness of an E Class with the structural changes in a 40 mph frontal offset crash test into a deformable barrier. Restraints/dummy kinematics — Dummy movement was reasonably well controlled. During rebound, the dummy's head moved partway out the open window and hit the B-pillar and window frame. Injury measures — Measures taken from the dummy indicate a low risk of any significant injuries in a crash of this severity. Head acceleration from the B-pillar/window frame hit was low. Left to right: * Action shot taken during the frontal offset crash test. Larger photo * The dummy's position in relation to the steering wheel and instrument panel after the crash test indicates that the driver's survival space was ...

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Insurance Research Determines the Ultimate Mid-Life Crisis Car

Recently a motor insurance company conducted some research into it's customers and was able to determine that certain age groups have an affinity to certain car types. This research was able to pigeonhole certain brands to age groupings partially because the particular age group was only able to get car insurance on that particular class of vehicle. Obviously the richer and later in life people get the more money they potentially have to spend on a car and its corresponding insurance.

With younger drivers, Fiat and Peugeot cars were most popular with the average driver age being 31 and 32. This is pretty much a given as smaller engine models such as the Fiat Punto and Peugeot 106 are popular first cars for many younger drivers and much easier to get insured on.

Minis were also popular amongst younger drivers with their average age being 33 years old too, the marketing of these vehicles tend to appeal to younger drivers too which may also contribute to the choice of vehicle.

More mature drivers choose the type of car you may already expect, being Volvos and Jaguars. One surprising statistic is that the Nissan Micra only had an average of 35, and in the motoring industry this is regarded as a car typically driven by the grey hair brigade. Larger older vehicles such as Jaguars have classic high cost parts which would cost a lot to replace and so car insurance on some of these older vehicles will be understandably higher.

Despite it's image in recent years of being the ultimate in celebrity excess, Mercedes-Benz has an average age much higher than the typical movie star and is considered to have the same age driver as the Jaguars and Volvos. This is something that stars like Britney Spears who drives a Mercedes SL500 and Jim Carrey, with a McLaren SLR, will no doubt be rather embarrassed about.

But the most obvious result from the insurance survey is what car type tops the list of the mid-life crisis crowd, the Porsche. Porsche cars like the 911, Boxster and Cayenne all have an average age of around 39. As the old saying goes, if you know you've hit your mid-life crisis when you buy a guitar, get a girlfriend half your age or buy a Porsche.

So in this research the insurance companies have found some drivers fit their stereotype but interestingly some did not. Obviously there will be some that don't follow the trend and will have a different car but more and more we are seeing people buying cars that will get them cheap car insurance as opposed to turning heads on the high street.

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Auto Transport Broker

An auto transport broker is a person who typically acts as middleman between the auto transport carrier companies and you. Brokers are often not liked by people. They are the main marketing force behind the promotion of the auto transport companies.

The auto transport brokers may be individuals or companies who provide the information about the various transport carriers. These brokers can be considered as the directory to the auto transportation industry, they possess a vast knowledge about the different carriers and they enable you to get the best of the carriers from their list according to your need. They charge a professional fee for this service.

Many people prefer to go directly to the transport carriers without the service provided by the brokers; this is only possible if they are aware of the carriers and they get their preferred carriers which could serve their need of fulfilling both the time and route criterions as many companies travel through the specific routes. Brokers are the real energy drink or an effective marketing tool for the success of any industry.

However there are many other valid reasons as to why there is a requirement for an intermediary. One reason for which there is an involvement of brokers in any industry is the flexibility and the availability of the service. Since the auto transport companies deliver through specific routes it is often not possible for the consumers of the service to directly deal with the shippers. Hence the brokers deal and get the shipping board.

One service which the brokers provide for which they are preferred by many people is that they are capable of finding a company which can offer to transport your vehicles at an affordable price you require and they also take care about your time preference or the delivery schedule. They usually have a wide network chain due to this reason they provide a very satisfactory service. Another fascinating thing about the brokers is that they often offer service at a price that is almost equivalent to or better than incase you had approached a carrier company directly.

Hence, to summarize the brokers act as an agent who helps the consumers to track the right transporting companies and with view point of the transporting companies they act as a tool that increases the awareness of their companies. The responsibility of the brokers gets over after they locate the right transporting company for the customers. The brokers do not take care of the insurance facility, and it is the actual carrier that bears the responsibility for damages.

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