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	<title>Car Refinance &#187; ryc-car-refinance-auto-refinance-guide</title>
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	<description>Car Refinance</description>
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		<title>gps auto tracking device</title>
		<link>http://www.refinance-your-car.com/shopping/gps-auto-tracking-device.html</link>
		<comments>http://www.refinance-your-car.com/shopping/gps-auto-tracking-device.html#comments</comments>
		<pubDate>Fri, 26 Feb 2010 23:29:28 +0000</pubDate>
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				<category><![CDATA[Shopping]]></category>

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		<description><![CDATA[gps auto tracking device
gps auto tracking device road tidy along with ultra-cool , you can count on top of nüvi 200 en route for find you present on top of occasion along with during fashion . gps auto tracking device shiny pilot along with tour travel companion come by way of preloaded map in favor [...]]]></description>
			<content:encoded><![CDATA[<p>gps auto tracking device</p>
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<p><a href="http://topgpsdevices.info/gps-auto-tracking-device.html" target="_blank" rel="nofollow">GPS Auto Tracking Device</a><a href="http://topgpsdevices.info/gps-auto-tracking-device.html" target="_blank" rel="nofollow"></a></p>
<p>gps auto tracking device by somu</p>
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		<title>Comprehensive Car Insurance</title>
		<link>http://www.refinance-your-car.com/finance/comprehensive-car-insurance.html</link>
		<comments>http://www.refinance-your-car.com/finance/comprehensive-car-insurance.html#comments</comments>
		<pubDate>Wed, 10 Feb 2010 11:05:26 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Comprehensive Car Insurance
I wanted to break down the main parts of car insurance for you to understand what each are and why you have to pay so much for each part. The three main parts are liability, collision, and comprehension. This article is about comprehension car insurance.
This portion of your insurance covers damages caused by [...]]]></description>
			<content:encoded><![CDATA[<p>Comprehensive Car Insurance</p>
<p>I wanted to break down the main parts of car insurance for you to understand what each are and why you have to pay so much for each part. The three main parts are liability, collision, and comprehension. This article is about comprehension car insurance.</p>
<p>This portion of your insurance covers damages caused by break-ins, theft, hail storms, tree limbs, vandalism and fire. One hail storm could total out your car due to the cost of popping out all the dents. Not sure if you&#8217;ve been through that before, but I have, and it was very expensive. Also, a friend of mine, just this week, got their back window shot out of their van. Doesn&#8217;t sound so bad, but it was vandalism with a pellet gun. The glass replacement was $700 and they had a deductible of $500. You do the math. Ouch.</p>
<p>Sometimes it doesn&#8217;t pay to have comprehension insurance. If you have an older car that isn&#8217;t worth much, then you&#8217;d be better off to save the money towards a new car or just save it to pay for any damages that may occur. You have to look at the cost of comprehension insurance and the value of the vehicle. I know some people want it no matter how old or junky their car is. But why pay for hail damage and radio theft if your old car doesn&#8217;t have a radio. Besides, if you have an old car, the radio is probably old, too.</p>
<p>But when you go and buy a new or newer car, having full coverage makes sense. Finding old junkyard parts on a new car is quite difficult and if you find the part, they are rare &#8211; hence &#8211; expensive. Now, most people have comprehension insurance because the bank or finance company requires this coverage. If you finance a car, then they make you pay for full coverage insurance. Not fair? But think about Mr. Banker for a moment. You have to carry insurance and keep the car in good shape so it can be sold in case you don&#8217;t pay for it. So if you don&#8217;t have insurance on your new Dodge Ram, and a hail storm comes and instantly depreciates out your truck by $6,000 &#8211; ouch.</p>
<p>In summary, comprehension insurance is required if you finance the vehicle. You can raise the deductible to keep your payment low. You also might want to consider dropping this insurance if you car isn&#8217;t worth $3000 or if its 10 years old or older.</p>
<p>About the Author</p>
<p><a href="http://www.car-insurance-denver.com/" target="_blank" rel="nofollow">http://www.car-insurance-denver.com</a> </p>
<p>Comprehensive Car Insurance by Stuart Simpson</p>
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		<title>Obtaining a Free Car Insurance Quote</title>
		<link>http://www.refinance-your-car.com/finance/obtaining-a-free-car-insurance-quote.html</link>
		<comments>http://www.refinance-your-car.com/finance/obtaining-a-free-car-insurance-quote.html#comments</comments>
		<pubDate>Wed, 10 Feb 2010 00:22:15 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Obtaining a Free Car Insurance Quote
Insurance is one of those things that we all need to protect us from the unforeseen. When it comes to obtaining coverage for our vehicles many of tend to find one insurer and stick with them. However, smart consumers know that by being a comparison shopper when it comes to [...]]]></description>
			<content:encoded><![CDATA[<p>Obtaining a Free Car Insurance Quote</p>
<p>Insurance is one of those things that we all need to protect us from the unforeseen. When it comes to obtaining coverage for our vehicles many of tend to find one insurer and stick with them. However, smart consumers know that by being a comparison shopper when it comes to obtaining coverage can significantly reduce their monthly premiums. Many insurers have made being a smart consumer easy by offering the ability to get a free car insurance quote directly through your computer.</p>
<p>One of the largest insurance companies out there that focuses most of its marketing efforts and sales online is Progress Auto Insurance. They are unique in that they not only will give you their rates, but also provide rates from competing companies. Many times they are the lowest, but on occasion other companies can beat their rates and they actually encourage you to use the other guy if they can&#8217;t match or beat the competition! Talk about customer service!</p>
<p>Of course, there are hundreds of insurers you could use. Since you probably don&#8217;t want to spend days or weeks online or on the phone getting quotes it is best to narrow your selection down to about 10 companies and go from there. Remember, the reputation of the company is as important as the rate you receive &#8211; you want an insurance company that will be there for you, not just one that collects the premiums and then disappears into the night when you need to file a claim.</p>
<p>Once you find an insurer with a good rate you might want to do a little background research on them online by seeing what others are saying. How is their customer service? What about claims handling? Do they offer low rates at first and then raise them significantly when it comes time for renewal?</p>
<p>Being a smart consumer means you will be able to find the best deal to meet your insurance needs while making sure you have a reputable company to stand behind you if you are ever involved in an accident.</p>
<p>About the Author</p>
<p>Marvin Toller is a writer and internet publisher who likes to provide <a href="http://www.11-car-insurance.com/car_insurance_information_list.html" target="_blank" rel="nofollow">Car Insurance Information</a>&nbsp;. Check out his car insurance news and in depth information website <a href="http://www.11-car-insurance.com/" target="_blank" rel="nofollow">11-car-insurance.com</a>&nbsp;.</p>
<p>Obtaining a Free Car Insurance Quote by Marvin Toller</p>
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		<title>Premiums on Car Insurance</title>
		<link>http://www.refinance-your-car.com/finance/premiums-on-car-insurance.html</link>
		<comments>http://www.refinance-your-car.com/finance/premiums-on-car-insurance.html#comments</comments>
		<pubDate>Tue, 09 Feb 2010 13:20:46 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Premiums on Car Insurance
Few people own &#8216;high-performance&#8217; cars that insurance companies consider when deciding on cost of coverage. The High-Performance vehicles often have higher maintenance expenses, coupled with higher repair expenses. It depends on the area, but High-Performance vehicle coverage can cost up to $10,000 per year, therefore you want to shop around to find [...]]]></description>
			<content:encoded><![CDATA[<p>Premiums on Car Insurance</p>
<p>Few people own &#8216;high-performance&#8217; cars that insurance companies consider when deciding on cost of coverage. The High-Performance vehicles often have higher maintenance expenses, coupled with higher repair expenses. It depends on the area, but High-Performance vehicle coverage can cost up to $10,000 per year, therefore you want to shop around to find the best rates. Insurance companies will also consider age group, gender; region lived in as well as other factors when considering pricing on insurance.</p>
<p>Unfortunately, few car insurance companies are slackers and will frequently provide customers with the first quote that comes to mind rather than searching for the deals to help the customer save money. Few car insurance companies may even deny customers of coverage if they have a High-Performance vehicle. Still, few companies may offer the coverage, however, may not provide the customer with the coverage he requested. The smaller insurance companies may present superior premiums and quality service; therefore, you should shop around before taking out car insurance.</p>
<p>Legalities regarding car insurance have existed since the beginning of the 19th century; however, the government has increased the stipulations and requirements. The government has passed new laws. The law states that drivers of vehicles is &#8220;responsible&#8221; for their vehicle, thus they must have insurance, if just &#8220;third-party&#8221; coverage. The law codes called the drivers &#8220;users&#8221; and the recently the government again updated the &#8220;Road Traffic Act.&#8221; Thus, having insurance coverage is important since you are at risk of fines, jail, and tickets if you have no coverage. In some states, if you do not have coverage the law can tow your vehicle and place a bar across the stern wheel until you show proof of coverage. Once you receive your policy, it is important to keep the policy in the glove compartment of your vehicle, making it ready in the event you are pulled over.</p>
<p>The policies have proof of information, including drivers&#8217; names, coverage, and premium information. The companies once you are insured will send through snail mail a &#8220;cover note&#8221; and you may use this to show proof until the &#8220;certificate&#8221; arrives in the mail. The certificate again will hold off trouble until the policy itself arrives in the mail. The certificate has the registration information, policyholder names, expiring dates, and other important details. The certificate will also entail restrictions if applicable. The &#8220;Motor Insurers Bureau&#8221; put the claims in affect and the goal is to provide liability coverage in the event an accident occurs and the policyholder is accused of negligence.</p>
<p>The Principals are built-into the policy. When the customer applies for insurance, the insurance agent will ask details to provide your coverage. The questions will include personal information, such as locality, age, SS#, and so forth. If you lie to the agent it will hurt you later, therefore, being honest is the best policy. Once you have provided the information to the agent, only then will they factor costs of coverage and premiums, including how much coverage are needed. The agent starts by basing the information on a &#8220;maturity level,&#8221; the worth of your motor vehicle, age, tickets received in the past, and so on.</p>
<p>The principal then is intended to provide coverage, since the agent is moving ahead, thinking that in the event you are in an accident what are the financial loss if you cannot prove that you were not at fault. The agent will also consider theft. Furthermore, the agent will consider arrangement fees, which is the base pay the agent receives for providing you insurance and doing the ground and paperwork. The principal will also cover grounds that in the event you are in an accident or your vehicle was stolen, that you will suffer financial loss. The moral is to halt insurance fraud. If a driver is in an accident, then the driver is expected to &#8220;prove &#8216;proximate cause.&#8217;&#8221; If you can prove that the accident was the fault of another driver, then you will need at least two quotes from car repair shops to receive disbursement.</p>
<p>Finally, it is under law that ever driver have insurance coverage to protect their rights and the rights of others. To save cost you may want to shop around to find the best rates and comprehensive coverage.</p>
<p>About the Author</p>
<p>Tony Robinson is a Real Estate Investor &amp; has had experience with many types of insurance. Visit <a href="http://www.betterinsurancesite.com/" target="_blank" rel="nofollow">http://www.betterinsurancesite.com/</a> for his tips on insurance.</p>
<p>Premiums on Car Insurance by Tony Robinson</p>
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		<title>USED MOTORBIKE FINANCE: Fulfill Your Desire To Ride A Bike</title>
		<link>http://www.refinance-your-car.com/finance/used-motorbike-finance-fulfill-your-desire-to-ride-a-bike.html</link>
		<comments>http://www.refinance-your-car.com/finance/used-motorbike-finance-fulfill-your-desire-to-ride-a-bike.html#comments</comments>
		<pubDate>Fri, 22 Jan 2010 08:41:32 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[USED MOTORBIKE FINANCE: Fulfill Your Desire To Ride A Bike
So you have had your mind set on buying that bike since you can&#8217;t remember when. But you never had the money for it. Now that you know that a bike of the same make and mode has been put up for sale, you are all [...]]]></description>
			<content:encoded><![CDATA[<p>USED MOTORBIKE FINANCE: Fulfill Your Desire To Ride A Bike</p>
<p>So you have had your mind set on buying that bike since you can&#8217;t remember when. But you never had the money for it. Now that you know that a bike of the same make and mode has been put up for sale, you are all excited to make your purchase. If you find yourself still short of cash, you can take the help of used motorbike finance.</p>
<p><a href="http://www.bikefinance.org.uk/used-motor-bike-finance.htm" target="_blank" rel="nofollow">Used motorbike finance</a> is a loan that funds the purchase of used motorbikes. It may be of any make, size or model. The only thing that you have to make sure is that the bike is not more than 5 years old. The reason behind this is that you will end up paying quite a sum for its maintenance. It might cost you more than you bargained for.</p>
<p>There is no fixed range of loan amounts for this form of loan. The amount that you borrow will depend on the cost of the used bike you are interested in buying. Your first priority should be finding a good dealer. And then you should check out the state of the bike itself. Is it in a good condition? Does it need any repair? Find out the total cost of the used bike.</p>
<p>Used motorbike finance can provide the sum of money necessary for the overall cost of the used bike. You can take this loan by providing collateral if you wish to but unsecured form of used motorbike finance is also available. For a secured type, the same used bike you are interested in buying can be pledged as collateral. Interest rate could come a little lower through this option. Weigh your options carefully and go for the one which is more cost-effective for you. Repayment term under both forms lasts for a period of 5-7 years only. You can make the payments in the form of easy monthly installments.</p>
<p>Used motorbike finance can finally make your long-cherished dream come true- namely, zooming around town in that much-desired bike. There are many lenders who provide this loan scheme. Always compare a variety of quotes to select lower rates.</p>
<p>About the Author</p>
<p>Kara Wade works as a consultant in Bikefinance.org.uk. He is proficient in the Finance market because of a degree in finance from the esteemed University of Oxford. He has also done his masters in insurance management from the Risk Management Research Institute. To find how to get new motor bike finance, used bike finance, personal bike finance visit <a href="http://www.bikefinance.org.uk/" target="_blank" rel="nofollow">http://www.bikefinance.org.uk/</a></p>
<p>Tag: financing motorcycles, motorbike finance, motorcycle dealers, motorcycle finance, motorcycle financing, used motorbikes, used motorcycle, used motorcycles</p>
<p>Used motorbike finance: fulfill your desire to ride a bike&nbsp;&nbsp; by kara wade</p>
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		<title>Mortgage Refinance Loan Tips</title>
		<link>http://www.refinance-your-car.com/finance/mortgage-refinance-loan-tips.html</link>
		<comments>http://www.refinance-your-car.com/finance/mortgage-refinance-loan-tips.html#comments</comments>
		<pubDate>Thu, 21 Jan 2010 14:29:47 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Mortgage Refinance Loan Tips
If you&#8217;re like many homeowners, you dream of better days when your property is paid in full and you don&#8217;t have to make those dreaded mortgage payments anymore. But, getting back to reality, many are turning to mortgage refinance services in order to cut their monthly loan payments or to extend their [...]]]></description>
			<content:encoded><![CDATA[<p>Mortgage Refinance Loan Tips</p>
<p>If you&#8217;re like many homeowners, you dream of better days when your property is paid in full and you don&#8217;t have to make those dreaded mortgage payments anymore. But, getting back to reality, many are turning to mortgage refinance services in order to cut their monthly loan payments or to extend their loan periods. Keep these hints in mind before choosing a refinance plan:</p>
<p>&nbsp;&nbsp;&nbsp; * When to Refinance: When you already have a mortgage and wish to apply for a second, be sure the amount you save on interest rates balances fees paid during refinancing. Lending Tree is a great resource when debating the &#8216;apply/not to apply&#8217; question, as they offer certified lending and allow you to compare multiple offers online.<br />&nbsp;&nbsp;&nbsp; * Loan Options: Determine whether a fixed rate mortgage or adjustable rate mortgage is in your best interest. Fixed rate mortgage monthly payments tend to remain steady despite market conditions. E-LOAN allows you to compare both loan options and to outweigh the pros vs. cons before you make your decision.<br />&nbsp;&nbsp;&nbsp; * Cash-out refinances: These allow you to refinance with a loan amount larger than your current mortgage&#8230;while you keep the cash difference. The catch? Your home equity must qualify before you can go through with it.<br />&nbsp;&nbsp;&nbsp; * No Closing Cost Refinances: If you wish to save on up-front fees, this is probably your best choice. Depending on whether or not the prevailing market rate is lower than your existing rate by at least 1.5%, you are sure to reap the benefits.</p>
<p>&nbsp;</p>
<p>StarReviews reports that sites such as E-LOAN provide mortgage refinance loans, as well as useful information on home equity, home and auto purchasing, and personal loans. Utilizing features such as &#8216;The Loan Advisor&#8217; allow you to enter information such as credit ratings, how much you intend on borrowing, estimated property values, and current mortgage balances. They, in turn, will recommend which loan route to take. Remember, saving money is key in your refinance loan search.</p>
<p>Arthur Maxx is an Editor for StarReviews. This article is available for distribution on the internet but must include this footer. For more information about <a href="http://www.starreviews.com/Mortgage-Refinance-Loan-Reviews.aspx" target="_blank" rel="nofollow">mortgage refinance loans</a>, please visit <a href="http://www.starreviews.com/" target="_blank" rel="nofollow">StarReviews</a>.</p>
<p>About the Author</p>
<p>Arthur Maxx is an editor of StarReviews, a site dedicated to providing expert reviews on software, products and websites. For more information, please visit StarReviews.</p>
<p>Mortgage Refinance Loan Tips&nbsp;&nbsp; by Kelly Liyakasa</p>
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		<title>Quick car loans: Get your dream car fast</title>
		<link>http://www.refinance-your-car.com/finance/quick-car-loans-get-your-dream-car-fast.html</link>
		<comments>http://www.refinance-your-car.com/finance/quick-car-loans-get-your-dream-car-fast.html#comments</comments>
		<pubDate>Wed, 20 Jan 2010 13:51:23 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Quick car loans: Get your dream car fast&#160; If you are planning to change your car because you have got sick of using the same car or you are planning to buy a new car and finance is coming your way then the Quick car loan is there for you. As the name itself suggests [...]]]></description>
			<content:encoded><![CDATA[<p>Quick car loans: Get your dream car fast<br />&nbsp; <br />If you are planning to change your car because you have got sick of using the same car or you are planning to buy a new car and finance is coming your way then the Quick car loan is there for you. As the name itself suggests that you will be getting a car loan which will be helpful in meting your finance requirements quickly. Your problem of quick car loan could be solved easily with it, as it will help you in seeking your dream car.</p>
<p>The rate of interest for the quick car loan depends upon lender to lender. This is because each and every lender has different policies. According to the policies of the lender you have the interest rates. You can avail lower interest rates on quick car loans as there are lenders in U.K. who can provide you the loans at cheap interest rates because of growing competition among the lenders.</p>
<p>You can avail a car loans quickly because there is an online application meant for it. Lenders can seek you a quick <a href="http://www.adverse-credit-car-loans.co.uk/" target="_blank" rel="nofollow">car loan</a> provided that you should get a right lender. It is your duty on your behalf to look for the right lender as they can provide you with a suitable rate of interest and can process the loans as fast as possible, so that there should not be any delay in buying your new car.</p>
<p>Lenders can offer you a loan especially tailored for your need. Even if you have a poor credit history, adverse credit score, CCJs, defaults and arrears then also you can go for the quick car loans. You can get an opportunity to improve your credit score<br />as well as you get the finances for buying your new car.</p>
<p>So, now you can think that you will avail all the facilities by seeking a quick car loan, as it will not only meet your dream of buying a new car quickly but it can even help you in improving your credit scores if you have an adverse credit history.</p>
<p>Tag: quick car loans, car loan, uk adverse credit car loans</p>
<p>Quick car loans: Get your dream car fast by CATI ROY</p>
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		<title>Car Insurance: Mini Motorbike Offences Drive Up Premiums</title>
		<link>http://www.refinance-your-car.com/finance/car-insurance-mini-motorbike-offences-drive-up-premiums.html</link>
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		<pubDate>Fri, 08 Jan 2010 21:44:39 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Car Insurance: Mini Motorbike Offences Drive Up Premiums
They are tiny bikes that reach great speeds and make a lot of noise. But police have had enough of youths creating havoc on mini-motorbikes and now have powers to seize the annoying and sometimes dangerous toys.
What&#8217;s more, if children are riding these miniature vehicles on the pavement [...]]]></description>
			<content:encoded><![CDATA[<p>Car Insurance: Mini Motorbike Offences Drive Up Premiums</p>
<p>They are tiny bikes that reach great speeds and make a lot of noise. But police have had enough of youths creating havoc on mini-motorbikes and now have powers to seize the annoying and sometimes dangerous toys.</p>
<p>What&#8217;s more, if children are riding these miniature vehicles on the pavement or road, they face prosecution just like adults. Any penalty points handed out by the court will be kept on file and activated as soon as they are old enough to apply for a driver&#8217;s licence.</p>
<p>For those who have penalty points, it becomes increasingly expensive to gain car insurance. And with respect to mini-motorbikes, you could have a situation where children have been prosecuted for dangerous driving on these vehicles and then struggle to find an insurance company<br />willing to offer them a policy to insure their car once they are at the age of 17 and have passed their driver&#8217;s licence. The best case scenario is probably going to be that their premiums are sky high.</p>
<p>A spokeswoman for Direct Line Insurance says mini-motorbikes are now being treated as road vehicles and drivers of them have to abide by all the same traffic rules as anyone else. But while police can now prosecute youths on mini-motorbikes, they are not entirely sure yet what the nuisance makers will be prosecuted with. &#8220;You could get prosecuted for uninsured driving, paying no road tax or driving without a licence,&#8221; she says.</p>
<p>She also points out that just how high insurance premiums will be for those with mini-motorbike offences will depend on what police prosecute the offenders with. &#8220;It depends on what the points are for&#8230;For a speeding offence it is not going to make a big difference, but for a drink driving offence it is going to make a massive difference.&#8221;</p>
<p>She says for example of how prosecutions can drive up premiums, take an 18-year-old boy living in Hove, East Essex. The youth drives a 2001 Ford Fiesta car. He has been prosecuted for dangerous driving and has only had his driver&#8217;s licence for a short time. To obtain fully comprehensive cover under a Direct Line insurance policy he would pay annual premiums of &pound;2473.80. Without the conviction the price would be &pound;1908.90.</p>
<p>What is interesting about this is that if you take a female of the same age, driving the same car and from the same area, she would pay just &pound;1218 without a conviction and &pound;1576.05 if she had a driving conviction. So she would in fact pay less for insurance even with a conviction than a male her age without one. Why the difference in price between young men and women? The spokeswoman says that it is because statistics show that one in three young men have a serious accident within their first year of driving.</p>
<p>A spokeswoman at the Association of British Insurers says the chances are if you have been caught speeding on a motor bike you are going to be more at risk behind the wheel of a car than others. It&#8217;s a known fact that young men are the most at risk of having a car accident, which is why they pay so much more for their car insurance.<br />&#8220;I think they make up 3% of the driving population but account for over 30% of all of the driving convictions. It depends on the insurance company, but we (the insurance industry) insure on risk and therefore we calculate our premiums accordingly.&#8221;</p>
<p>Car Insurance: Mini Motorbike Offences Drive Up Premiums / Michael Challiner</p>
<p>Car Insurance route is a large website that offers uk residents <a href="http://www.car-insurance-route.co.uk/" rel="nofollow">car insurance</a>.</p>
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		<title>Motorcycle Cover &#8211; you and your Bike</title>
		<link>http://www.refinance-your-car.com/finance/motorcycle-cover-you-and-your-bike.html</link>
		<comments>http://www.refinance-your-car.com/finance/motorcycle-cover-you-and-your-bike.html#comments</comments>
		<pubDate>Fri, 08 Jan 2010 21:29:28 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Motorcycle Cover &#8211; you and your Bike
Statistics say that 10,000 bikers in the UK cancel their insurance policies over the winter months every year.
Many bike owners will lock away their two wheels but unfortunately, even when locked in a garage, their bikes remain at risk.
Thieves are quite aware that many motorbikes are stored in garages [...]]]></description>
			<content:encoded><![CDATA[<p>Motorcycle Cover &#8211; you and your Bike</p>
<p>Statistics say that 10,000 bikers in the UK cancel their insurance policies over the winter months every year.</p>
<p>Many bike owners will lock away their two wheels but unfortunately, even when locked in a garage, their bikes remain at risk.</p>
<p>Thieves are quite aware that many motorbikes are stored in garages over the winter months and over 600 bikes are stolen every month.</p>
<p>If you have cancelled your policy and your bike is stolen you cannot make a valid claim. However, it should be possible to reduce the cover, save money and still maintain the essential minimum cover against fire and theft over the winter.</p>
<p>An annoying feature of existing motorbike insurance policies is that discount bonuses are not able to be accumulated over time. You may be able to get some form of discount should you remain claim free for a certain period with the same insurer, but this is a rare occurrence.</p>
<p>There are a few types of motorcycle insurance policy, Specified Rider Policy, Specified Bike Policy, Third Party Insurance and Comprehensive Insurance. A specified rider policy will specifically cover the rider and not the bike. The benefit of this policy is that it will allow you to ride any motorcycle up to a specified size.</p>
<p>A specified bike policy is directly the opposite and will only cover the motorbike and not the rider. This would be a suitable policy if you wish to insure a number of riders on the same bike.</p>
<p>Unfortunately for motorbike riders, particularly younger riders, they will have to pay higher premiums for their insurance policies due to the increased risk of their chosen method of transport.</p>
<p>Third Party is the legal minimum type of insurance and the cheapest. The &#8216;third party&#8217; is any person you might injure or property you might damage. You will not be paid for anything else and you will still have to pay the excess.</p>
<p>Comprehensive Insurance is the most expensive and the one that pays for repairs to your motorcycle if it is damaged in an accident. It also means that if the accident was not your fault you do not need to wait for the other party&#8217;s insurance to come through as your insurance will pay anyway. However, you will have to pay the excess but you will get it back when the others party&#8217;s insurance reimburse your insurance company. These policies often include extras such as breakdown cover included.</p>
<p>Some of the key factors affecting premiums are age. Young motorcyclists have an alarmingly high accident rate and, according to statistics, are far more likely to be involved in an accident than more mature riders. The damage they can cause to themselves is very often costly and long lasting.</p>
<p>Occupation is also a deciding factor of premiums. Workers who spend many hours on the road travelling from one location to another will be subject to much higher premiums the more hours that are spent on the road the more likely accidents occur.</p>
<p>If you have made any claims in recent years for driving related accidents you should expect this to be reflected by a higher than average premium.<br />Security devices such as immobilisers, alarms, steering locks and other security devices are only useful if they are activated. However their presence will result in a significantly lower premium, particularly in inner city areas.</p>
<p>As with any motor insurance, the more powerful the bike, the higher the premium is likely to be. The make of the bike may influence the premium also. Expensive bikes are also likely to attract higher premiums.</p>
<p>As with cars, most motorbikes will depreciate quite rapidly. In the event of a material damage claim, insurance companies will only pay the current market value of your bike. In these circumstances it may not be worth paying the additional premium for comprehensive cover over third party, fire and theft only.</p>
<p>If you get points on your license for speeding, dangerous driving etc your premium will go up, if you are disqualified for a period you will find insurance is very expensive when you get your license back.</p>
<p>You can sometimes get discounts because of the training you have done, passing an advanced test will usually get you a discount.</p>
<p>All of the above affect your premium, but it will also vary when the insurance companies are trying to balance their risks and you will usually find big differences in prices. Do your research though and don&#8217;t just go for the cheapest as sometimes, insurance company&#8217;s try to reduce premiums by reducing the cover.</p>
<p>Remember it is illegal to ride without insurance and always remain honest with insurance companies. If they were to discover that you have not told them something that they should have known, you may find that your insurance is invalid. Aside from the fact that they would not pay a claim, this could also leave you to prosecution for driving without insurance.</p>
<p>Motorcycle Cover &#8211; you and your Bike / Michael Challiner</p>
<p>Car Insurance engine are a <a href="http://www.car-insurance-engine.co.uk/" rel="nofollow">car insurance quote</a> website.</p>
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		<title>Tips to Search for an Auto Insurance Policy</title>
		<link>http://www.refinance-your-car.com/finance/tips-to-search-for-an-auto-insurance-policy.html</link>
		<comments>http://www.refinance-your-car.com/finance/tips-to-search-for-an-auto-insurance-policy.html#comments</comments>
		<pubDate>Fri, 08 Jan 2010 21:23:47 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Tips to Search for an Auto Insurance Policy
When you are searching for auto insurance you should do some analysis. It will help you to find out what kind of car insurance quote will be require for your vehicle. The coverage and the policies may vary from different states. Not all states need the same levels [...]]]></description>
			<content:encoded><![CDATA[<p>Tips to Search for an Auto Insurance Policy</p>
<p>When you are searching for auto insurance you should do some analysis. It will help you to find out what kind of car insurance quote will be require for your vehicle. The coverage and the policies may vary from different states. Not all states need the same levels of <a href="http://www.1-auto-insurance.info/" rel="nofollow">auto insurance quote</a>. So do your research accordingly your vehicle need and your budget and the state you are in.</p>
<p>When you search for the best possible car insurance quote, take in to account some factors. There are certain things which you should keep in mind like registration number and state where you registered your car, condition of your vehicle. If you want to do complete analysis, take help of online information. There are many sites which are providing through information about quote, policies and coverage.</p>
<p>While searching you should take consideration of various companies in the market and their policies. These companies decide your premiums only on risk factor. Insurance companies<br />do search about your car and mark the risk factor associated with your car. They have various records with them. These companies keeps record of every insurance paid. They keep record of many thing such as car model, coverage amount, gender and age of driver, license number etc.</p>
<p>Many insurance companies give Comprehensive coverage. You search about this kind of coverage. Comprehensive coverage is compensation paid by company for loss of vehicle other than an accident. There are many things bound to happen so you should be ready for any natural disaster. So always ask insurance company about this comprehensive coverage. It will also cover your cost if your car stolen or your car got damage due to some disaster.</p>
<p>So whenever you choose a <a href="http://www.1-auto-insurance.info/" rel="nofollow">car insurance </a>policy, ask for comprehensive coverage if it&#8217;s not included selects it as an extra. If you want more information about car insurance you can log on to 1-auto-insurance.info.</p>
<p>Visit our website <a href="http://www.1-auto-insurance.info/" target="_blank" rel="nofollow">http://www.1-auto-insurance.info</a> for further information</p>
<p>Tips to Search for an Auto Insurance Policy / Mady Joseph</p>
<p>Mady joseph is expert in <a href="http://www.1-auto-insurance.info/" rel="nofollow">auto insurance </a>domain and also the webmaster for <a href="http://www.1-auto-insurance.info/" rel="nofollow">car insurance quote uk </a>website. Visit our website for more knowledge and information.</p>
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		<title>8 Easy Routes to Cheaper Car Insurance</title>
		<link>http://www.refinance-your-car.com/finance/8-easy-routes-to-cheaper-car-insurance.html</link>
		<comments>http://www.refinance-your-car.com/finance/8-easy-routes-to-cheaper-car-insurance.html#comments</comments>
		<pubDate>Fri, 08 Jan 2010 21:07:50 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[8 Easy Routes to Cheaper Car Insurance
Car insurance is one of the most expensive costs involved in driving a car, and it&#8217;s not something you can avoid &#8211; a minimum level of insurance is required by law. That doesn&#8217;t mean you have to blindly pay whatever your insurer quotes though, as there are several simple [...]]]></description>
			<content:encoded><![CDATA[<p>8 Easy Routes to Cheaper Car Insurance</p>
<p>Car insurance is one of the most expensive costs involved in driving a car, and it&#8217;s not something you can avoid &#8211; a minimum level of insurance is required by law. That doesn&#8217;t mean you have to blindly pay whatever your insurer quotes though, as there are several simple things you can do to reduce the cost of your premiums.</p>
<p>1) Shop around and buy online: Figures show that many people simply renew their current policies without shopping around. The internet makes it easy to compare prices from different insurers, so why not take advantage of this? Plus, you&#8217;ll usually get a discount of 10% or more just for buying your policy online.</p>
<p>2) Policy type: do you really need a comprehensive policy with all the extras? Going for a third party fire &amp; theft policy can reduce your premiums hugely, and is definitely worth considering if your car isn&#8217;t an expensive model.</p>
<p>3) No claims discounts: Nearly all policies feature a discount that increases for every year you don&#8217;t make a claim. The higher the discount available, the more you could save. Also look at insurers offering a &#8216;no claims bonus for life&#8217; feature, where your current discount level can be fixed forever, even if you have to make a claim somewhere down the line.</p>
<p>4) Excess: The excess on a policy is the amount of a claim you have to pay before the insurer pays the rest. Choosing to have a higher than standard excess level will usually mean lower premiums.</p>
<p>5) Security: Fitting your vehicle with an alarm, immobiliser, or other security devices can lead to premium reductions. Parking you car off-road, for example on a driveway or in a garage, will also mean a cheaper policy.</p>
<p>6) Pay annually: Many insurers charge you interest for the privilege of paying in monthly installments. Pay annually if you can afford it to avoid this, or look for one of the companies who don&#8217;t charge extra for monthly payment.</p>
<p>7) Mileage: The more mileage you run up every year, the more your insurance will cost. Even if you can&#8217;t reduce your mileage, make sure you&#8217;re not overestimating how much you actually do drive, and give your insurer an accurate figure.</p>
<p> <img src='http://www.refinance-your-car.com/wp-includes/images/smilies/icon_cool.gif' alt='8)' class='wp-smiley' /> Drivers: The more drivers you have on your policy, the more it will cost. Reduce the number of people insured to drive your car to the minimum possible, and try to get the policy in the name of a driver with the lowest risk profile. For example, if a car is driven by both a man and a woman, insuring it in the woman&#8217;s name will often result in a cheaper quote.</p>
<p>8 Easy Routes to Cheaper Car Insurance / Nicholas Hunt</p>
<p>Nicholas Hunt is a contributing writer for <a href="http://www.1stop-finance.co.uk/" rel="nofollow"></a><a href="http://www.1stop-finance.co.uk/" target="_blank" rel="nofollow">www.1stop-finance.co.uk</a>, where you can browse <a href="http://www.1stop-finance.co.uk/insurance/car_insurance/" rel="nofollow">car insurance reviews</a> or read a more detailed article about getting <a href="http://www.1stop-finance.co.uk/insurance/car_insurance/cheaper.html" rel="nofollow">cheaper car insurance</a>.</p>
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		<title>Lower Auto Insurance Quotes? Here&#8217;s How!</title>
		<link>http://www.refinance-your-car.com/finance/lower-auto-insurance-quotes-heres-how.html</link>
		<comments>http://www.refinance-your-car.com/finance/lower-auto-insurance-quotes-heres-how.html#comments</comments>
		<pubDate>Fri, 08 Jan 2010 21:05:05 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
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		<description><![CDATA[Lower Auto Insurance Quotes? Here&#8217;s How!
There isn&#8217;t a driver out there who wants to pay more than necessary for auto insurance premiums. It&#8217;s an important part of auto ownership, but far less enjoyable than the vehicle itself. Combined with a car payment, a car insurance premium can really put a dent into your monthly finances. [...]]]></description>
			<content:encoded><![CDATA[<p>Lower Auto Insurance Quotes? Here&#8217;s How!</p>
<p>There isn&#8217;t a driver out there who wants to pay more than necessary for auto insurance premiums. It&#8217;s an important part of auto ownership, but far less enjoyable than the vehicle itself. Combined with a car payment, a car insurance premium can really put a dent into your monthly finances. Although we can&#8217;t help you with the car note itself, here are a few tips to get a lower auto insurance quote, and therefore, a lower monthly insurance bill to ease up on those debts.</p>
<p>First point; check your credit<br />reports for errors-one from each of the three main credit bureaus- Experian, Equifax and Trans Union (available at each bureau&#8217;s website, one free report annually from each bureau -by law). Your credit history and current score have a drastic impact on your insurance premiums, so by clearing up and misinformation or inaccuracies on them, you&#8217;ll receive lower auto insurance quotes from potential insurers. Keeping up on your credit and paying your bills on time will help to ensure low rates on loans and insurance in the future.</p>
<p>Second, slow down! Speeding tickets and other traffic violations, including any sort of vehicle related ticket (parking included) issued by law enforcement, PLUS accidents, are another key factor in calculating your insurance premiums.</p>
<p>Next point of interest: Students with good grades will have better insurance rates than those with less than high scholastic ambitions. This is good news for parents and children alike, for it provides a wonderful bartering tool for moms and dads.</p>
<p>Another key point: Group discounts are often a money saving tool within the insurance industry. If you have homeowners, life, or any other type of insurance policy, having them all written by the same insurer will yield you a sometimes hefty discount.</p>
<p>Be sure to get a quote on an insurance policy before driving off in your new car. Each vehicle on the market will vary greatly from each other as well as individual insurance providers as to their insurance premiums. Don&#8217;t assume that just because something is a four door sedan that the insurance rates will be less than a two door coupe, or visa versa. Insurance costs vary for many different reasons, sometimes for the car&#8217;s speed, while other times a car might be a high theft risk in your area.</p>
<p>Finally, shop around. Don&#8217;t assume that just because one particular insurance company considers you a risk that another will feel the same. Obtaining quotes from multiple insurers will create competition between then, granting you a &#8220;win-win&#8221; situation.</p>
<p>If after trying all of these ideas you&#8217;re still not completely happy with your insurance quote, you may want to consider raising your deductible for collision and comprehensive coverage. If your policy&#8217;s coverage now contains a $250 deductible, raising it to $500 will save you some money on your auto insurance premiums.</p>
<p>Lower Auto Insurance Quotes? Here&#8217;s How! / Jill Quinn</p>
<p>Jill Quinn recommends that you visit <a href="http://www.cheap-autoinsurance.com/" target="_blank" rel="nofollow">http://www.cheap-autoinsurance.com/</a> for more information on auto insurance quotes.</p>
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		<title>You Can Save on Gasoline!</title>
		<link>http://www.refinance-your-car.com/finance/you-can-save-on-gasoline.html</link>
		<comments>http://www.refinance-your-car.com/finance/you-can-save-on-gasoline.html#comments</comments>
		<pubDate>Sat, 02 Jan 2010 19:26:02 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[You Can Save on Gasoline!
Over the past year you have probably seen countless numbers of articles giving motorists advice on how they can save on their fuel purchases. The advice is usually helpful and can lead to savings of 10% or more if tires are kept inflated, jackrabbit starts are avoided, and regular gas is [...]]]></description>
			<content:encoded><![CDATA[<p>You Can Save on Gasoline!</p>
<p>Over the past year you have probably seen countless numbers of articles giving motorists advice on how they can save on their fuel purchases. The advice is usually helpful and can lead to savings of 10% or more if tires are kept inflated, jackrabbit starts are avoided, and regular gas is selected instead of premium. Beyond that, savings can only come from restricting one&rsquo;s driving or finding the cheapest gas available. While you may not be able to do the former, you certainly can do the latter and accomplish that task online. Read on to uncover an important way you can save dimes at the pump!</p>
<p>Gas Buddy &ndash; This website tracks all of the latest prices by bringing together information gleaned from more than 170 websites to determine current prices in your area. For U.S. prices, key in your zip code for prices near your home; the results are listed by the gallon. For Canadian prices, click on the province and narrow down the list by area; the results listed will be by litre of fuel. You can find the site at GasBuddy.Com</p>
<p>MSN Autos &ndash; Similar to Gas Buddy, MSN Autos will list prices in your area. You can enter your zip code and a map of all of the gas stations in your area will appear with numbered results on it. These results correspond with current prices making it simple for you to find the lowest price in your area. Visit Autos.Msn.Com for up to the moment pricing information.</p>
<p>Ethanol &ndash; A blend of fuel that is catching on is ethanol which is marketed as E85 in the U.S. or 85% ethanol and 15% straight fuel. Approximately five million vehicles in the U.S. can run on E85 or straight fuel and prices have typically been considerably lower than gasoline over the past year. You can find E85 prices for pumps in the Upper Midwest region of the USA by visiting CleanAirChoice.Org for member listed prices.</p>
<p>As far as diesel prices go, both Gas Buddy and MSN Autos will list those prices too.</p>
<p>So, why visit these types of sites? Well, if you have been pumping your gas at &ldquo;X&rdquo; station and hadn&rsquo;t realized that &ldquo;Y&rdquo; station down the street and around the corner is charging ten cents less per gallon, then you could be missing one more important way to save on gasoline.</p>
<p>We need every edge we can get these days; check online for the best gas, diesel, and ethanol prices in your area and head down the road to valuable savings!</p>
<p>You Can Save on Gasoline! / Adam Heist </p>
<p>Adam Heist has helped many internet surfers since launching his website. If you have questions or concerns or are wondering about the different <a href="http://www.firmfinancecompany.co.uk/" rel="nofollow">Secured Personal Loan</a> that are available, click on over to our site in order to find the information you are looking for.</p>
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		<title>Refinance Car Loan</title>
		<link>http://www.refinance-your-car.com/finance/refinance-car-loan.html</link>
		<comments>http://www.refinance-your-car.com/finance/refinance-car-loan.html#comments</comments>
		<pubDate>Sat, 02 Jan 2010 13:34:30 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Refinance Car Loan
Do you have a car loan and need to refinance? How do you know you need to refinance? Well, most people will refinance a loan when they find it hard to pay off the loan. If you are ever offered to refinance for a lower payment, you should never take the offer serious [...]]]></description>
			<content:encoded><![CDATA[<p>Refinance Car Loan</p>
<p>Do you have a car loan and need to refinance? How do you know you need to refinance? Well, most people will refinance a loan when they find it hard to pay off the loan. If you are ever offered to refinance for a lower payment, you should never take the offer serious unless your payments are going out later and later.</p>
<p>You should know that every time that you refinance your car loan you are saving your credit rating, however, you are also extending the loan out. Instead of paying 60 payments, you will most likely pay out 80 or less. In the short run, you do save a lot of money per month, however, you also give away lot of money by the added interest. Even though you may not see an increase, or even a decrease in interest rates, you still pay out more because of the interest that will build up.</p>
<p>When you need to refinance, you need to set up an appointment with your creditor and tell them that it is regarding the loan. They will assume that they need to get your finances<br />redone and they will come to the meeting well prepared. However, you should know that some banks love to refinance at a higher rate. You will save some money per month, but you will end up paying out more in the end. If you are going to refinance, make sure that the rate stays the same or that it is lowered. Don&#8217;t ever go with a higher rate unless you are desperate for money.</p>
<p>When you refinance, it will be on your credit report, but it won&#8217;t affect your credit rating too much. In fact, refinancing can save your rating. If you don&#8217;t refinance and you keep missing your payments, the creditor will file suit against you. This will show up on your credit rating as well as your report.</p>
<p>To refinance, you don&#8217;t have to go with your original creditor. You can refinance will any creditor. When you refinance with someone else they will pay off your loan amount and then they will give you monthly payments to pay off the loan. See, when you finance the second time, the bank doesn&#8217;t own the car anymore, but the creditor you lent you the money. Once you pay off your loan you will then be able to afford other things and own the car.</p>
<p>Refinancing can be a blessing during the hard times. You may end up having to take a pay cut, find another job, or collect unemployment. You need to think about your credit rating and how to protect it. Everyone has refinanced something so there is no shame in doing so. You should be happy that it helps you with your credit rating in such hard times.</p>
<p>Refinance Car Loan / James Gunaseelan</p>
<p>James Gunaseelan Writes articles &amp; Reviews for <a href="http://www.bharathautomobiles.com/" target="blank" rel="nofollow">India&#8217;s No.Auto Portal</a>. He also advises consmers on buying &amp; selling of used cars &amp; Automobiles in India.</p>
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		<title>The Benefits of Auto Lease Assumptions-Take Over An Existing Lease</title>
		<link>http://www.refinance-your-car.com/finance/the-benefits-of-auto-lease-assumptions-take-over-an-existing-lease.html</link>
		<comments>http://www.refinance-your-car.com/finance/the-benefits-of-auto-lease-assumptions-take-over-an-existing-lease.html#comments</comments>
		<pubDate>Wed, 30 Dec 2009 08:47:53 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[The Benefits of Auto Lease Assumptions-Take Over An Existing Lease
If you are considering an auto lease, you may be able to get a better deal and more benefits if you take over a prior lease from an individual, instead of leasing a vehicle directly through a dealer. Because auto leases are for a relatively short [...]]]></description>
			<content:encoded><![CDATA[<p>The Benefits of Auto Lease Assumptions-Take Over An Existing Lease</p>
<p>If you are considering an auto lease, you may be able to get a better deal and more benefits if you take over a prior lease from an individual, instead of leasing a vehicle directly through a dealer. Because auto leases are for a relatively short period of time, it can be difficult to exit a lease early and return the vehicle. Many dealers will apply early termination fees, or insist on all of the remaining lease payments. Auto lease assumptions allow you to take over the rest of the lease term from the individual, including the monthly payments, so the lease contract is fulfilled and the person is not hit with additional fees.</p>
<p>Why would you consider an auto lease assumption? This approach has several advantages over traditional leasing. First of all, you will not have to come up with a down payment in order to start driving the vehicle. All you have to do is take over, or assume, the monthly lease payments. If a person paid $2000 down and has a $299 monthly payment, you just have to take over the monthly payment portion, which creates a big savings.</p>
<p>Another distinct advantage is the ability to have a shorter and more flexible lease term. A traditional lease is usually four-five years. However, with auto lease assumptions, the lease term is normally just two years, and in some cases you can get an assumption with just one year left on the lease. That way,you won&#8217;t be stuck with a vehicle you might be tired of, and will be ready to trade in for a new one.</p>
<p>Auto lease assumptions are relatively easy to initiate and complete. There are several popular sites that allow the holders of a lease to advertise a vehicle, and the sites will help guide you through the transfer process. The online sites are usually the best place to start.</p>
<p>The first thing to do is to get pre-approved for a lease assumption. Like getting a new lease, taking over an existing one does require relatively good credit. If you are shopping through a website, you will normally be able to fill out an application online. Like getting pre-approved for a home loan before you start house shopping, get pre-approved for auto lease assumptions first will give you the most choice and flexibility.</p>
<p>The next thing is to chose the vehicle. You will normally get to see photos first, which will help you make your initial decision. If you are live long-distance from the seller, you can usually make arrangements to get the vehicle inspected for you, the third party companies who help facilitate the assumption will often offer an inspection service. You certainly want to get the vehicle properly inspected before you take over the lease.</p>
<p>Once you and the seller agree on the vehicle, the seller will initiate the transfer. Your credit application is sent to the original leasing company,and when approved, they will create the new leasing documents that both you and the seller need to sign. Once the leasing company has verified everything and the new paperwork is issued, the seller is notified, and you will make arrangements to receive the vehicle.</p>
<p>Auto lease assumptions have many benefits. They allow you to lease a vehicle of your choice for a shorter period with out a down payment. If you are willing to do some research and to work with a seller, you can often get a great deal.</p>
<p>The Benefits of Auto Lease Assumptions-Take Over An Existing Lease / Amy Wells</p>
<p>Amy Wells writes and reports on <a href="http://www.autolease.yourtechtool.com/" rel="nofollow">auto leasing </a>and other consumer finance issues. Visit <a href="http://www.autolease.yourtechtool.com/" rel="nofollow"></a><a href="http://www.autolease.yourtechtool.com/" target="_blank" rel="nofollow">http://www.autolease.yourtechtool.com</a> for money-saving auto lease tips. and insider auto lease information.</p>
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		<title>Refinance Scams &#8211; A Few Things To Watch Out For When Refinancing Your Mortgage</title>
		<link>http://www.refinance-your-car.com/finance/refinance-scams-a-few-things-to-watch-out-for-when-refinancing-your-mortgage.html</link>
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		<pubDate>Tue, 29 Dec 2009 06:11:05 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Refinance Scams &#8211; A Few Things To Watch Out For When Refinancing Your Mortgage
Refinancing your mortgage is a big decision, and one that shouldn&#8217;t be made blindly. Here are a few things to watch out for when refinancing your mortgage.
Beware of a broker that is reluctant or refuses to disclose their YSP, or &#8220;yield spread [...]]]></description>
			<content:encoded><![CDATA[<p>Refinance Scams &#8211; A Few Things To Watch Out For When Refinancing Your Mortgage</p>
<p>Refinancing your mortgage is a big decision, and one that shouldn&#8217;t be made blindly. Here are a few things to watch out for when refinancing your mortgage.</p>
<p>Beware of a broker that is reluctant or refuses to disclose their YSP, or &#8220;yield spread premium&#8221;. That term refers to the amount of money the lender is giving to the broker in exchange for charging you a higher interest rate or enacting a longer or more severe pre-payment penalty. Statistically, unsolicited refinance offers have a much higher likelihood of coming from &#8220;predatory&#8221; lenders.</p>
<p>Be careful&#8211;all Good Faith Estimates are just that; estimates. They are all subject to change.</p>
<p>RESPA (Real Estate Settlement Procedures Act, a federal consuming protecting statue first enacted in 1974) prohibits any settlement service provider from giving or receiving anything of value for the referral of business in connection with a mortgage or charging fees or markups when no additional services has been provided. Mention &#8220;RESPA&#8221; to your lender, ask for a list of fees (they cannot charge you $25 for a credit report that cost them $8.50, for example), and be candid about shopping elsewhere if you feel slighted. At the same time, blindly shopping around may keep the broker from going the extra mile for you if something goes wrong and he/she feels that you haven&#8217;t placed faith in them.</p>
<p>Trust your gut. If something about your refinance transaction consistently feels wrong, there&#8217;s a good chance it is. Many lenders will gloss over the fact that you have a &#8220;Right of Recession&#8221; where you have from the day the loan closes until midnight three days later to cancel the deal, and you cannot be fined for that termination (except for losing any out of pocket expenses, such as an appraisal). That being said, almost everyone feels some sort of &#8220;buyer&#8217;s remorse&#8221; soon after closing a major financial transaction, even if that transaction is in your best interest.</p>
<p>Refinance Scams &#8211; A Few Things To Watch Out For When Refinancing Your Mortgage / CL Haehl</p>
<p><a href="http://www.mortgagesanity.com/2007/02/06/mtg-lenders/" target="_new" rel="nofollow">Low Rate Mortgage Refinance Companies &#8211; Recommended Leading Lenders Online</a> &#8211; We maintain a list of reputable lenders online and update the list regularly.</p>
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		<title>Refinancing Your Home Loan &#8211; Apply With A Leading Lender Online</title>
		<link>http://www.refinance-your-car.com/finance/refinancing-your-home-loan-apply-with-a-leading-lender-online.html</link>
		<comments>http://www.refinance-your-car.com/finance/refinancing-your-home-loan-apply-with-a-leading-lender-online.html#comments</comments>
		<pubDate>Tue, 29 Dec 2009 06:00:47 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Refinancing Your Home Loan &#8211; Apply With A Leading Lender Online
If you are looking to refinance your home mortgage loan, make sure you apply with one of the internet&#8217;s leading lenders. You want to be absolutely sure that your application is secure online. All reliable, major loan companies online use encrypted applications for the best [...]]]></description>
			<content:encoded><![CDATA[<p>Refinancing Your Home Loan &#8211; Apply With A Leading Lender Online</p>
<p>If you are looking to refinance your home mortgage loan, make sure you apply with one of the internet&#8217;s leading lenders. You want to be absolutely sure that your application is secure online. All reliable, major loan companies online use encrypted applications for the best security online.</p>
<p>Avoid Applying With Smaller Companies &#8211; Applying for a mortgage online with a company that is small or not very established could be risky, if their application process is not secure, but it can also be a waste of time. Smaller mortgage companies online do not usually work with a large network of lenders and loan programs. So, for filling out your application and having your credit pulled, you might only be offered one or two different mortgage options.</p>
<p>Leading Lenders Have Thousands of Loan Programs Available &#8211; If you apply with a leading lender online, they usually have hundreds of lenders and thousands of programs they work with and with one application and one time of pulling your credit report, you can have loan offers that are competitive and realistic.</p>
<p>No Commitment &#8211; Another benefit to applying for a mortgage online is that there is no commitment. You can apply with no obligation of accepting any loan offers that you might receive. When you work through a broker that you know and have met with. You usually feel quite a bit of pressure to continue working with him/her once that person has started to put time and energy into helping you find a loan.</p>
<p>Make sure you complete your application as accurately as possible and describe your credit as accurately as possible in order to get the most realistic mortgage quote. If you fudge those numbers initially, you will just be disappointed later when the mortgage loan you thought you could qualify for will not be available to you.</p>
<p>Refinancing Your Home Loan &#8211; Apply With A Leading Lender Online / CL Haehl</p>
<p><a href="http://mortgagesanity.com/2007/02/22/mortgage-quotes-from-leading-lenders/" target="_new" rel="nofollow">Apply With a Leading Mortgage Lender Online</a>- We have researched some of the most reputable mortgage lenders online and maintain a list of them. That list is updated regularly.</p>
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		<title>Refinance After Bankruptcy &#8211; How Does Your Bankruptcy Affect Home Mortgage Refinancing?</title>
		<link>http://www.refinance-your-car.com/finance/refinance-after-bankruptcy-how-does-your-bankruptcy-affect-home-mortgage-refinancing.html</link>
		<comments>http://www.refinance-your-car.com/finance/refinance-after-bankruptcy-how-does-your-bankruptcy-affect-home-mortgage-refinancing.html#comments</comments>
		<pubDate>Tue, 29 Dec 2009 05:40:29 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Refinance After Bankruptcy &#8211; How Does Your Bankruptcy Affect Home Mortgage Refinancing?
There are a few basic concepts one should know when looking into refinancing a mortgage after a bankruptcy. Most importantly, you need to know the two different types of personal bankruptcy that you can declare.
Chapter 7 Bankruptcy, often called &#8220;straight bankruptcy&#8221;, is an attempt [...]]]></description>
			<content:encoded><![CDATA[<p>Refinance After Bankruptcy &#8211; How Does Your Bankruptcy Affect Home Mortgage Refinancing?</p>
<p>There are a few basic concepts one should know when looking into refinancing a mortgage after a bankruptcy. Most importantly, you need to know the two different types of personal bankruptcy that you can declare.</p>
<p>Chapter 7 Bankruptcy, often called &#8220;straight bankruptcy&#8221;, is an attempt for someone financially overextended to liquidate most of their assets to satisfy creditors, keeping only a few personal assets needed for the basic necessities of life such as an economical car, personal clothing, etc.</p>
<p>In Chapter 13 Bankruptcy, your assets are not liquidated. Instead, you come to an agreement with an appointed trustee where late charges and other penalties are eliminated and you start a payment plan to repay much of the debt owed. This process can take over a year or two, but will allow you to retain belongings (and property). Also, it is looked at more favorably by lenders because you are attempting to repay your debts, not just write them off. Lenders will look at both the date the bankruptcy was filed and when it was discharged.</p>
<p>A Chapter 13 Bankruptcy &#8220;buyout&#8221; is a refinance loan, taking out a new loan to cover the existing mortgage and some or all of the other debts. This is basically considered a &#8220;cash-out&#8221; refinance. Most Chapter 13 Bankruptcy refinance loans are limited to roughly 85% of the value of your home.</p>
<p>When refinancing out of a Chapter 13 Bankruptcy, or soon after a Chapter 7 or Chapter 13 Bankruptcy, you will almost certainly be working with a sub-prime or &#8220;non-prime&#8221; lender. These lenders specialize in helping borrowers with blemished credit histories. Often, borrowers refinancing near the time of a bankruptcy will seek the assistance of a mortgage broker, many of whom have experience with this type of loan. If possible, it is best to wait at least two years after the discharge of your bankrupty to refinance your mortgage. This will help you to receive a better interest rate. Start now to pay your bills on time and in full. This will help to repair your credit and give you even better chances of a lower rate.</p>
<p>Refinance After Bankruptcy &#8211; How Does Your Bankruptcy Affect Home Mortgage Refinancing? / CL Haehl</p>
<p><a href="http://www.mortgagesanity.com/2007/02/08/bad-credit-mortgage-companies/" target="_new" rel="nofollow">Mortgage Refinance Companies Who Service People With a Past Bankruptcy</a> &#8211; We maintain an updated and current list of mortgage companies online who service borrowers with credit problems.</p>
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		<title>Remote Car Starters</title>
		<link>http://www.refinance-your-car.com/shopping/remote-car-starters.html</link>
		<comments>http://www.refinance-your-car.com/shopping/remote-car-starters.html#comments</comments>
		<pubDate>Mon, 28 Dec 2009 00:14:51 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Shopping]]></category>

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		<description><![CDATA[Remote Car Starters
The primary purpose for remote starters is convenience. You could warm up your car that is out in frigid and chilly weather while you&#8217;re warm staying inside. You could also do the same in blistering hot weather; remotely turn-on your engine with the A/C switch on so that it&#8217;s nice and cool by [...]]]></description>
			<content:encoded><![CDATA[<p>Remote Car Starters</p>
<p>The primary purpose for remote starters is convenience. You could warm up your car that is out in frigid and chilly weather while you&rsquo;re warm staying inside. You could also do the same in blistering hot weather; remotely turn-on your engine with the A/C switch on so that it&rsquo;s nice and cool by the time you get in. Another purpose for remote ignition is security reasons. Whether you&rsquo;re a male or a female, it&rsquo;s always nice to have your car ready to go whenever you are, especially when you are in shady parts of town. And of course, the last purpose to having remote starters is the show-off factor because it completes the true wow-element of your vehicle. After all, who doesn&rsquo;t want to show off like James Bond?</p>
<p>There are a few things to be mindful of. Virtually every remote car start system includes vehicle security and of course with that, they include some kind of remote. The pricing on these remote start security systems depend mostly on the abilities of the remote. I know it sounds crazy, but it&rsquo;s the truth. In essence, the price is based upon how smart your system is.</p>
<p>The more buttons the remote has, the more money it&rsquo;ll cost, because the more buttons usually mean more programmable functions such as delayed starts, valet mode, and multi-tone activation. Another consideration is the ability for the system to communicate 2-way rather than just the typical 1-way. 2-Way remotes allow the system to not only be controlled remotely by the user but also communicate to the user any disturbance to the car. This is crucial if you&rsquo;re dining out or shopping at the mall and your car is out of your sight. 2-Way remotes typically features a small LCD display to tell you exactly what&rsquo;s going on and they usually have symbols to represent different things on your car that is disturbed (if your car is equipped with the sensors). Some systems indicate glass-breakage indicators or vicinity alarms to specify exact disturbances.</p>
<p>Lastly, remember that once you wire your vehicle up for remote ignition, it is possible for thieves to steal your remote&rsquo;s code and frequency allowing them to impersonate you through their remote and driving off with your car. Though the possibility of this is unlikely, it is still possible. Some <a title="remote car starters" href="http://www.sonicelectronix.com/cat_i98_remote-start-car-alarms.html" rel="nofollow">remote car starters</a> systems feature code-hopping countermeasures, allowing your system to change codes frequently to prevent thieves from finding the same one&mdash;giving an astronomically impossible combination of codes to be deciphered. Again with this added feature, expect the price to be higher.</p>
<p>Remote Car Starters / yh786515</p>
<p>Get more information about <a href="http://www.sonicelectronix.com/cat_i98_remote-start-car-alarms.html" rel="nofollow">remote car starters</a> and <a href="http://www.sonicelectronix.com/cat_i133_standard-car-alarms.html" rel="nofollow">car alarms</a></p>
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		<title>Learn More About Auto Insurance Claims</title>
		<link>http://www.refinance-your-car.com/finance/learn-more-about-auto-insurance-claims.html</link>
		<comments>http://www.refinance-your-car.com/finance/learn-more-about-auto-insurance-claims.html#comments</comments>
		<pubDate>Sat, 26 Dec 2009 15:11:17 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Learn More About Auto Insurance Claims
A car accident can be a scary time in anyone&#8217;s life. Even if the damage is minimal there is a police report to file, the other driver to deal with and an auto insurance claim to file. If it is your first accident you may find yourself overwhelmed and unsure [...]]]></description>
			<content:encoded><![CDATA[<p>Learn More About Auto Insurance Claims</p>
<p>A car accident can be a scary time in anyone&#8217;s life. Even if the damage is minimal there is a police report to file, the other driver to deal with and an auto insurance claim to file. If it is your first accident you may find yourself overwhelmed and unsure what to do first. Fortunately filing a claim is a step by step process that is relatively simple to learn and understand.</p>
<p>You must keep many things in mind in order to file a successful claim. Everything you say and do from the moment of the accident may have an impact on your claim. You must be certain that the police report is complete and accurate and that you have accurate information from the other driver. You should also be sure to file your insurance claim in a timely manner.</p>
<p>Determining &#8220;relative fault&#8221; in an accident is a complicated process that can only be handled by experts. &#8220;Relative fault&#8221; is the percentage of fault for an accident that lies with each driver. In most jurisdictions even the driver who is in the right has a responsibility to try to avoid an accident. Since relative fault will not be determined at the scene of the accident, it is important to stick to the facts and avoid a discussion of fault.</p>
<p>You should write your own statement of what happened for your records at the scene if possible or as soon as you get home. You also need to get the other driver&#8217;s full name, insurance information and vehicle details. Also try to get a police report for even minor accidents.</p>
<p>After the Accident<br />Contact your car insurance company immediately. The insurance company will probably send you forms to fill out and will likely request the police report and the other driver&#8217;s insurance information. If you have any questions at all on how to fill out the forms do not hesitate to call your insurance company. The forms are the primary documents used to settle your auto insurance claim so be sure that they are accurately and completely filled out. What happens next depends on the type of insurance you have, your insurer&#8217;s policies and procedures and their determination of fault.</p>
<p>If the other driver was at fault then you will normally receive a quick settlement offer from his insurance company. Read the offer carefully and have it reviewed by an attorney if possible. You will likely lose your right to sue if you take the settlement offer but a reasonable settlement will put money in your hands long before a lawsuit will. Only you and your attorney can decide whether to accept the settlement.</p>
<p>A car accident is scary for anyone. The paperwork that follows can be even scarier. However, filing a claim is a step by step process that anyone can learn. Simply follow the above tips and be sure to ask a lot of questions. You can be successful in filing your auto insurance claim.</p>
<p>Learn More About Auto Insurance Claims / Levi Quinn</p>
<p>Shop for the best rates on local car insurance, such as <a href="http://www.autoinsuranceratesdirect.com/city/denver-auto-insurance.html" rel="nofollow">Denver Auto Insurance</a>, at AutoInsuranceRatesDirect.com.</p>
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		<title>Why Luxury Auto Leasing Can Be The Best Type of Auto Lease</title>
		<link>http://www.refinance-your-car.com/finance/why-luxury-auto-leasing-can-be-the-best-type-of-auto-lease.html</link>
		<comments>http://www.refinance-your-car.com/finance/why-luxury-auto-leasing-can-be-the-best-type-of-auto-lease.html#comments</comments>
		<pubDate>Sat, 26 Dec 2009 14:29:29 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Why Luxury Auto Leasing Can Be The Best Type of Auto Lease
Luxury auto leasing has become extremely popular in the last five to ten years. Luxury cars often retain their value at the end of the lease, and so the depreciation costs of the lease are smaller when compared to a more moderate vehicle. While [...]]]></description>
			<content:encoded><![CDATA[<p>Why Luxury Auto Leasing Can Be The Best Type of Auto Lease</p>
<p>Luxury auto leasing has become extremely popular in the last five to ten years. Luxury cars often retain their value at the end of the lease, and so the depreciation costs of the lease are smaller when compared to a more moderate vehicle. While it might seem a paradox, a luxury auto lease may give you the best value for your leasing dollar.</p>
<p>Unlike a traditional auto loan, usually a luxury auto lease will have a lower down-payment, and in many cases, lower monthly payments as well. A high-end car, like a fully loaded SUV, or sports car, can have an enormous monthly payment if you were to purchase the vehicle, but a monthly lease payment will be lower and much more attractive.</p>
<p>Leasing a luxury auto allows you to experience the pleasure of driving a luxury car for a few years, and then you will have the opportunity to trade it in for another vehicle, if you wish. If you like having an luxury auto that is always under warranty and comes with the latest options and safety features, a lease lets you experience this at a fraction of the cost of actually purchasing a vehicle. Most leases last around 2-3 years, which gives you time to enjoy the vehicle without experiencing any of the significant mechanical problems that can come with long-term ownership.</p>
<p>Finding a competitive luxury auto lease is somewhat different from leasing other types of vehicles. Luxury car dealers don&#8217;t offer as many incentives because they don&#8217;t want to be seen as discounting such an expensive purchase. You probably won&#8217;t find many competitive deals in the newspapers, or on television, like you would for more of a low to mid-range vehicle.</p>
<p>Its better to work with companies that handle primarily luxury vehicles. Independent leasing companies that specialize in luxury auto leases will usually offer you the best deals. You can find many companies by searching online, and filling out an application for a variety of offers that you can compare. Another option is using a broker who will try to find the best overall financing for you.</p>
<p>If you are intrigued by auto leasing, don&#8217;t ignore the luxury auto makes or models. The very features you are looking for in a lease, like affordability, and the enjoyment of a newer vehicle, are made for luxury auto leasing. Leasing a luxury car gives you the best of the many benefits to leasing.</p>
<p>Why Luxury Auto Leasing Can Be The Best Type of Auto Lease / Amy Wells</p>
<p>Amy Wells writes and reports on <a href="http://www.autolease.yourtechtool.com/" rel="nofollow">consumer finance</a>. Looking for auto leasing information information? Find up-to-date auto lease resources, methods, and consumer tips at: <a href="http://www.autoleaseyourtechtool.com/" rel="nofollow"></a><a href="http://www.autolease.yourtechtool.com/" target="_blank" rel="nofollow">http://www.autolease.yourtechtool.com</a></p>
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		<title>Interest Only Refinancing Loans</title>
		<link>http://www.refinance-your-car.com/finance/interest-only-refinancing-loans.html</link>
		<comments>http://www.refinance-your-car.com/finance/interest-only-refinancing-loans.html#comments</comments>
		<pubDate>Fri, 25 Dec 2009 20:26:02 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Interest Only Refinancing Loans
An interest only refinancing loan is a great way for savvy homeowners to maximize their cash flow. Interest only refinancing loans are different than a tradition refinancing loan. With a traditional refinancing loan, you pay both the principle of the loan and the interest of the loan. With interest only refinancing loans, [...]]]></description>
			<content:encoded><![CDATA[<p>Interest Only Refinancing Loans</p>
<p>An interest only refinancing loan is a great way for savvy homeowners to maximize their cash flow. Interest only refinancing loans are different than a tradition refinancing loan. With a traditional refinancing loan, you pay both the principle of the loan and the interest of the loan. With interest only refinancing loans, the homeowner is given the option of paying both the principle and interest of the loan or only the interest, using the extra money that would have been spent on the principle to purchase or invest for other things.</p>
<p>Interest only refinancing loans can be very similar to traditional refinancing loans. For instance, both types of mortgages usually have the same interest rate, so you don&#8217;t usually save from one product to another and you can take out an interest only loan with either a fixed rate or adjustable rate.</p>
<p>For the most part, most interest only loans allow the borrower to choose between paying both the principle and interest or just the interest for a set term. For instance, your interest only loan will give you the option for the first 10 years of the loan. After 10 years have passed, you must always pay both the principle and interest.</p>
<p>Advantages of Interest Only Refinancing Loans</p>
<p>The main advantage of an interest only refinancing loan is that the homeowner can maximize their cash flow from month to month. For instance, need a few extra dollars one month, forgo paying the principle, some savvy homeowners even forgo paying the principle and instead take that money and invest it into their 401K or other investment vehicles.</p>
<p>Another advantage of these types of loans is for homeowners that intends to sell their home before the end of the loan term. Having extra cash flow when you need it can be a great way to buy the things you need most and since you will be moving before the end of the loan, with the sale of the home and its built up equity, you can easily repay your loan.</p>
<p>While interest only refinancing loans can be a popular alternative, they are not without risk. For those that rely on not paying the principle due to the fact that they have trouble paying their mortgage completely, this can signal trouble ahead. Make sure that if you choose this type of loan, you can handle the perks. Make sure you have control of your finances and refrain from digging yourself in a hole.</p>
<p>Interest Only Refinancing Loans / Connie Barker</p>
<p>Connie Barker is the owner of several financial websites including those which deal with <a href="http://www.badcreditloandirect.com/Bad-Credit-Refinancing.html" rel="nofollow">Bad Credit Refinancing</a></p>
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		<title>Enjoy The I-phone Music Through Your Car Stereos</title>
		<link>http://www.refinance-your-car.com/shopping/enjoy-the-i-phone-music-through-your-car-stereos.html</link>
		<comments>http://www.refinance-your-car.com/shopping/enjoy-the-i-phone-music-through-your-car-stereos.html#comments</comments>
		<pubDate>Mon, 21 Dec 2009 22:18:00 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Shopping]]></category>

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		<description><![CDATA[Enjoy The I-phone Music Through Your Car Stereos
When it comes to playing your I-phone songs through your car speakers, you often face a lot of problems while playing. This is because of a dock not installed on your stereo that will accept your I-phone songs. The simplest and easiest way to solve this problem is [...]]]></description>
			<content:encoded><![CDATA[<p>Enjoy The I-phone Music Through Your Car Stereos</p>
<p>When it comes to playing your I-phone songs through your car speakers, you often face a lot of problems while playing. This is because of a dock not installed on your stereo that will accept your I-phone songs. The simplest and easiest way to solve this problem is by using i-phone 3G FM transmitters.</p>
<p>There are two types of i-phone 3G FM transmitters available in the market: &#8211; wired and wire-free or wireless types. Basically a wired i-phone 3G Fm transmitters allows you to connect your i-phone directly to your car stereo, while the wireless ones uses radio frequencies to play files through car stereo. These i-phone 3G FM transmitters allow you to broadcast the music files stored on your i-phone to any FM radio wirelessly. This type of accessories gives people the freedom to listen and share their music.</p>
<p>The mode of operation of these i-phone 3G FM transmitters is that you can plug it to your i-phone and picks up a signal from your car&rsquo;s radio stations. The frequency range of such i-phone 3G FM transmitters is very limited and will work only for stations between 88.1 MHz to 107.9 MHz. Other stations will not receive any sound signals coming from the i-phone 3G FM transmitters. It is not possible to increase the available stations since the FCC (Federal Communications Commission) rules and regulations for radio will not allow it as broadcasting signals above 18.75 nano watt will not work well.</p>
<p>Different types of <a title="iphone 3G FM transmitters" href="http://www.phonecasestore.com/FM_Transmitters_s/12.htm" rel="nofollow">iphone 3G FM transmitters</a> are available in market. Out of which Belkin Tunecast II is the most popular one. It is very strong and picks up radio frequency signals very clearly. You should check whether it&rsquo;s a battery operated one or a plugs into your cars cigarette adapter one while shopping for your i-phone 3G FM transmitter. Both works well, but plug to your cars cigarette adapter type helps you to charge your i-phone while playing. The Flexii 3G i-phone FM transmitter is a portable hi-tech device build for entertainment. This i-phone 3G FM transmitter incorporates additional FM features in an incredibly portable shell. The i-phone 3G FM transmitters that are attached to 3G i-phones allows you to transfer your favorite 3G i-phone based songs over the FM radio frequency band.</p>
<p>Enjoy The I-phone Music Through Your Car Stereos / Robert Scott</p>
<p>The Author is a professional writer, presently writing for <a href="http://www.phonecasestore.com/iPhone_Silicone_Skins_and_Covers_s/23.htm" rel="nofollow">iphone 3g silicone case</a> related topics for Phonecasestore.</p>
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		<title>How to Get the Best Deal on a New Car Lease</title>
		<link>http://www.refinance-your-car.com/finance/how-to-get-the-best-deal-on-a-new-car-lease.html</link>
		<comments>http://www.refinance-your-car.com/finance/how-to-get-the-best-deal-on-a-new-car-lease.html#comments</comments>
		<pubDate>Sat, 19 Dec 2009 02:54:26 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[How to Get the Best Deal on a New Car Lease
Since you are reading this, I am going to assume that you are looking into the lease options for your next new carinstead of purchase options. A new car lease MAY be a good deal for you but it is something that you should examine [...]]]></description>
			<content:encoded><![CDATA[<p>How to Get the Best Deal on a New Car Lease</p>
<p>Since you are reading this, I am going to assume that you are looking into the lease options for your next new car<br />instead of purchase options. A new car lease MAY be a good deal for you but it is something that you should examine very carefully, since you may end up in a much worse position.</p>
<p>On the up side, a new car lease is almost certainly going to have lower monthly payments that a purchase, compared with the same amount of money out of pocket at the time of signing. You can usually get a good deal on a car lease for less than a couple thousand out of pocket. The monthly payment is going to be determined by what the estimated resale value of the car will be at the end of the lease. So a car with poor resale value is going to have higher monthly payments than a car with a much better average resale value.</p>
<p>But on the down side, you are still responsible for the maintenance of your leased car &ndash; gas, oil changes, tires, tune-ups, insurance, and all the other things that normally accompany car ownership, but you are NOT building any equity in the car. In other words, you are in effect RENTING the car, except that you also have the responsibility for the maintenance of it.</p>
<p>Not all new car leases are created equally. You should definitely do your homework as far as what leasing programs are available, what they include and exclude, and most of all, what is it going to cost you. One big thing in almost all car leases is a mileage cap, where a typically mileage cap says that you will put no more than 12,000 miles a year on the car. So at the end of a three year lease, you can have no more than 36,000 miles on the car. You do not get any extra brownie points if there are fewer miles on it, but if there are MORE miles than that on it, you will pay through the nose for it, something like 30 cents per mile. So in this example, at the end of the lease you have 40,000 miles on it, it is going to cost you an additional $1200 to turn in the car. Ouch!</p>
<p>Over the course of a lease, you may want to terminate the lease early. If this might even be a remote possibility, know what your options are up front. In most cases, there is an early termination fee. Sometimes if you leased your car from a large dealership, they will allow an early termination fee without penalty if you are within about 6 months of the end of the lease, but only if you sign another agreement on another new car lease.</p>
<p>I would strongly encourage you to do a fair amount of homework before you sign on the dotted line. Even if the lease being offered by the dealership on your new car lease appears to be incredibly good, you can almost always be assured that there is a better program available. Sometimes the payments might be the same, but other programs may allow a higher mileage cap, might have lower or no early termination fees, and a variety of other subtle differences that could make a huge difference to you and your intended use of the new car.</p>
<p>How to Get the Best Deal on a New Car Lease / Jon Arnold</p>
<p>Jon is a computer engineer who maintains web sites on a variety of topics based on his knowledge and experience. You can read more about getting new car leasing deals at his web site at <a href="http://www.car-loan-resources.com/car-leasing.php" rel="nofollow">Car Leasing Guide</a>.</p>
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		<title>The Cheapest Car Insurance For Teens &#8211; Keep The Rates Down</title>
		<link>http://www.refinance-your-car.com/finance/the-cheapest-car-insurance-for-teens-keep-the-rates-down.html</link>
		<comments>http://www.refinance-your-car.com/finance/the-cheapest-car-insurance-for-teens-keep-the-rates-down.html#comments</comments>
		<pubDate>Sat, 19 Dec 2009 01:53:03 +0000</pubDate>
		<dc:creator>ryc-car-refinance-auto-refinance-guide</dc:creator>
				<category><![CDATA[Finance]]></category>

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		<description><![CDATA[The Cheapest Car Insurance For Teens &#8211; Keep The Rates Down
We love them even though they are expensive &#8211; a fact that doesn&#8217;t change once they get older. They become extra costly once they become teens. Their taste in clothing becomes more expensive. Santa no longer brings stuffed animals; he&#8217;s hauling the newest Nintendo in [...]]]></description>
			<content:encoded><![CDATA[<p>The Cheapest Car Insurance For Teens &#8211; Keep The Rates Down</p>
<p>We love them even though they are expensive &#8211; a fact that doesn&#8217;t change once they get older. They become extra costly once they become teens. Their taste in clothing becomes more expensive. Santa no longer brings stuffed animals; he&#8217;s hauling the newest Nintendo in his bag. They need money for proms, football camps, cheerleading uniforms, and band instruments.</p>
<p>What happened to the days when peek-a-boo was enough to make them smile?</p>
<p>Teens are also notorious for having more expensive car insurance rates than older drivers. This is mainly because car insurance companies view teens as less experienced drivers and more risky to insure. Since age is already working against them, teens must take extra care to make other factors car insurance companies look at work for them.</p>
<p>Despite the rising costs of raising teens, there is a way to get cheap car insurance for teens &#8211; actually, it could be the most important way to get cheap car insurance for your teen. Buy your teen a practical, affordable, and safe car.</p>
<p>Teens dream about the day they become old enough to drive, and many teens get their first car when that day comes; however, if it is a flashy, expensive, unsafe car the car insurance company will see it as likely to be stolen or robbed, costly to repair in the event it becomes damaged, and likely to not protect against accidents.</p>
<p>On the other hand, if the car is modest in appearance and price, as well as equipped with safety features, the car insurance company will be more likely to offer a cheap car insurance quote for the teen.</p>
<p>By purchasing your teen an affordable, practical car, not only are you helping to get cheap car insurance for your teen, you are also helping to keep your teen safe which makes buying your teen this kind of car the most important way to get cheap car insurance for your teen.</p>
<p>The Cheapest Car Insurance For Teens &#8211; Keep The Rates Down / Elizabeth Newberry</p>
<div class="text"><a href="http://www.ezquoteguide.com/car/" rel="nofollow">Cheap Car Insurance for Teens and How You Can Save Money</a> <a href="http://www.myquoteguide.com/car-teen.shtml" rel="nofollow">How to Find budget car insurance for your teen</a></div>
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