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Tips For Your Car Insurance

Motor insurance is one of the fixed expenses that most families have to face at least once a year, when such a charge is not split up over the year. Unfortunately not all families have the sensitivity to analyze the cost of auto insurance and research the market for better opportunities to save money on auto insurance.

It is not understandable how such a charge can be overlooked by most car insurance customers, completely forgetting the potential savings present in car insurance. Fortunately the internet nowadays allows a generalized access to insurance simulators, and most insurers have been simplifying their simulators to satisfy a wider range of potential clients.

Market research

Market research

There are no gains without work and if the internet facilitates part of the work, the field work continues to have good indicators of savings. Ask for several simulations for your car insurance does not cost you any money, other than the search. This simple market prospecting can represent a saving of a few euros. If you think about it, € 5 a month represents € 60 a year…

Negotiate your Insurance Portfolio

Negotiate your Insurance Portfolio

All insurers are in the market to maximize their profits and period. Auto insurance is still a relatively profitable product for insurers, however, the vast majority of other insurances are much more appealing because of reduced claims and consequent attractive profitability.

If you play by insurance, you must have more than one insurance policy, such as for example, home insurance, personal accident insurance, life insurance, among others. Trading changes tone whenever a customer presents himself with an insurance portfolio and wants the best price for the overall portfolio where auto insurance is included. So, negotiate insurance portfolios and look for the best premium for all insurance. Whoever offers the best prize, will have the all insurance.

Do not Exaggerate in Coverages

Do not Exaggerate in Coverages

There are essential toppings, but there are others that do not have great applicability. If, by chance, you do not want your own damage insurance, the well-known insurance against all risks, then, evaluate the coverage of your car insurance. As a general rule, liability cover, driver and occupants and, in some cases, glass breakage is sufficient. Analyze your coverages.

Search for Additional Advantages

Search for Additional Advantages

Insurers have been making car insurance more attractive to the market by adding other benefits and benefits to everyone who chooses to take insurance from them. This procedure is a reflection of the rigidity of prices, that is, the premiums in the various insurers are similar which is not attractive for the insurance client to switch insurer. Thus, they created benefits so that the benefit was the attraction and not the price of insurance.

The truth is that many of these benefits represent money that can be assimilated as savings in car insurance premium. As you can see, this insurance, although mandatory, is no longer as competitive as it was previously with insurers. However, it is always worth looking for better opportunities and saving money on this demand.

The important thing is not to forget that insurance is to evaluate, year after year, always looking for the best prices and not to be forgotten as it is very usual to happen. If you liked this article why not subscribe to our newsletter to be privy to our tricks and tips? Sign up for our free online personal finance course (left box) and start saving money!

Life Insurance Mortgage

Have you made a mortgage loan in the past and do you consider that you are paying too much for the life insurance associated with it? Would you like to save money on insurance and not know what to do? In this article we will talk to you about the housing credit life insurance and show that it is possible to save a lot of money here.

 

Do You Know How Much You Pay For Your Life Insurance?

Many people have hired their housing credit only keeping in mind the spread practiced by the bank. Maybe they traded to lower the spread. But they will most likely ignore the other costs that in the meantime would be “hidden”. Excessive commissions and insurance premiums. Fortunately, the state has forced banks to publish the rate that incorporates all these costs (APR), a rate that allows comparing different alternatives in their overall.

Taking only the housing credit spread into account, banks will very likely take advantage to charge excessive premiums for the life insurance premium. And keep in mind that this premium will increase over time as you grow older. We know too many people who pay more for life insurance than for the provision of credit. Makes sense?

 

Banks Can not Rise Their Spread

The fear of many households in changing contracted products to reduce the spread of housing credit is closely related to the possibility of increasing the spread associated with credit (which for old contracts is very close to zero).

Today it is possible to withdraw products from your contract without having a loss in the spread. Even with losses, the monthly savings would often offset the rise in the financial cost. It’s all a matter of accounts. Here’s how you can save money on the life insurance of your housing credit.

 

Saving Money When Changing Homeowner’s Life Insurance

We suggest our readers to make a brief simulation of the new housing credit insurance premium. For rapid simulation, the following information is sufficient:

  • Total amount owed;
  • Age of credit proponents;
  • Final term of the contract.

You can save more than 50% on life insurance. I did this exercise twice in the last 3 years and achieved in the first a saving of 24% and in the second of 47%. In practice, I had a 60% reduction in my life insurance premium (went from € 17 to € 13 and then to € 7). Worth it. Imagine now that he was a little older and that the prize was € 70 … we would be talking about a saving of € 49 per month or € 588 per year. Worth it?

An immediate online payday loan to pay the 2,400 euros in gasoline you spend annually

Surely you make numerous accounts and, of course, you wind your brains trying to remember your visits to the gas station and still, you can’t count how much money you spend on fuel. Ok, well, we’re going to simplify the task because we have the exact date: you spend 1,185 euros per year. Do you think so much? Or maybe little?

Well, know that in some communities, spending on gas is even more expensive and worthy, therefore, of a fast online payday loan.

Perhaps this saving is due to the fact that we have traveled less or that we have simply opted for another means of transport, in addition to having adjusted our belts. The truth is that there are communities where this refueling came out by a peak, while in others the issue barely had an impact on the pocket drivers.

Which cities spent more on gasoline?

Which cities spent more on gasoline?

Thus, there are cities where it is practically necessary to apply for an online payday loan to fill out the deposit. At least that is the case of A Coruña, Pontevedra or Valladolid where its inhabitants have spent an average of 2,000 euros.

But the palm is taken by the small Galician municipality of The Bridges of Garcia Rodriguez, in A Coruña, whose 10,000 citizens have had to invest 2,240 euros this year to fill the deposit.

Although we are not aware of the concrete conditions that this town presents to spend so much on fuel. To top it off, also last year repeated as a locality that more money spent on fuel

The city that spends less gasoline in Spain

The city that spends less gasoline in Spain

However, there is a Spanish city where gasoline is hardly spent and therefore they hardly make a dent in the savings of their drivers their comings and goings with the car. Therefore, if in certain Spanish regions they suffer to defray an expense such as gasoline, in others, of course, online credits ask them for fatter matters.

Such is the case of Bilbao. In the Basque city, its citizens refuel at the gas stations for a total of 715 euros per year. Nor have cities like Ourense fared badly in this regard with an investment of the family budget of 723 euros and San Sebastián whose expenditure is estimated at 725 euros.

And you? How much money have you spent this year on fuel?

And you? How much money have you spent this year on fuel?

Well, it is best that you take a look at the graph that we attach to this news and consult your specific case, to know if you are lucky enough to be below the national average or at least not exceed it.

Apply for an online payday loan for your gas expenses?

Apply for an online loan for your gas expenses?

Well, do not run so much, we have a few ideas to combat spending and if our advice fails, you already opt for the fast credit application on the internet. You can consider it your wild card for your financial affairs.

So let’s address our savings recommendations first. In our loan comparator we are aware that dealing with the cost of our cars is not an easy task, especially now that we return to our daily routines and the car becomes essential.

  • If you drive, better with long gears whenever possible because they spend less.
  • If you thought that going with the windows down made you a saver of air conditioning, it turns out that you don’t force the car to consume more energy. Although this does not mean that we should throw ourselves into the arms of the air conditioner, since if we set it to 21st it will already start to result in excessive fuel consumption.
  • When you do not need the bowl, remove it, since it implies greater consumption.
  • Monitor the pressure of your tires, because, in addition to entailing a danger, it can have an increase in consumption between 2% and 4%.
  • Try refueling at independent stations or shopping malls since they usually offer very competitive prices.

Of course, there are more ways to control spending. In fact, web pages and applications abound whose mission is to pave the way for savings. Without going any further, in our loan comparator we have informed ourselves about a website where it is possible to calculate what cost in fuel a specific displacement can bring us.

To do this, they ask you for information such as, for example, if you will travel with passengers, luggage and even ask us to specify if the windows will be lowered during the journey or if we will have the air conditioner turned on during it .

Credit Card Banks for People Under 18

People under the age of 18 can use credit cards . Many banks even offer this application to their customers within the scope of parental control. Banks Persons over the age of 18 can easily issue a variety of credit cards. For those under 18, this option is very limited.

To open an account from a bank, the person must be 18 years of age. Therefore, many banks do not open an account for children under age and do not allow the use of credit cards. Among the banks that provide credit cards to people under the age of 18 

 

How to get credit card under the age of 18?

How to get credit card under the age of 18?

Minors under the age of 18 must be with their parents to apply for a credit card. Too many people who want to get a credit card at the age of 17. The majority of these people are high school age. If you are under 18 and you want to apply for a credit card under the age of 18, you can apply to the credit card of the bank you want from the details below with your parents.

 

How old is the credit card?

How old is the credit card?

The answer to the question of how old a credit card is taken can be quite variable. This situation, which varies from bank to bank, starts at least 16 years old. It is possible to apply for a credit card at the age of 16, but the control of spending and account movements of these credit cards, which can be taken under the supervision of the parents, is also carried out by the parents. Below is the information that some banks have provided credit cards since the age of 16.

 

Under 18 Credit Card Application

Under 18 Credit Card Application

The process of applying for a credit cards for people under the age of 18 started in 1987. This application was implemented by Wishbank for the first time. The persons who are over 12 years of age open an account to the banks within certain criteria and use credit cards . Already an account is required for people to use credit cards.

Parents of children under the age of 18 must go to the bank and open an account. After the account is opened, the child can do all the necessary procedures with the permission of the parent. Already the parent specifies the main criteria to the bank. Students can make transactions through ATMs. You can also apply for a credit card. With the arrival of the credit card, the necessary needs can be met within the limits.

 

MaxxPera Youth (-18) Card

For those under the age of 18, you can apply for a MaxxPera Youth Card offered by Wishbank and become a credit card holder before you reach the age of 18. The most beautiful feature of this card is that it can be controlled by parents. Below are the features of the card.

  • The card can be loaded at the desired amount and the desired amount of cash and withdrawal can be made.
  • You can also close the card for cash withdrawal.
  • You can deposit money on a weekly, monthly and quarterly basis by instructing the card to load regularly. Or, when the card falls below a certain amount, you can also make an automatic deposit.
  • The card, which allows you to apply for children 12, 13, 14, 15, 16, 17 and 18, also includes your child’s name.

 

HiSave Bank Exi 26

Wishbank First Signature Account

HiSave Bank opens a New Exi 26 account for people aged 16 to 17. As with other banks’ cards, Neo Exi 26 can be used to withdraw money from ATMs. In addition to withdrawal transactions, deposit, EFT and money transfer transactions such as money transfers can be made.

Persons wishing to benefit from this service provided by HiSave Bank should go to the nearest branch by taking their identities with their parents. If people under the age of 18 want to buy a credit card or their parents want to issue a credit card to their children, HiSave Bank must fulfill the requirements in this regard.

With this service offered by HiSave Bank, parents can easily monitor their children’s account statements. In fact, these transactions can be made from the official website of the bank outside the statement. In this way, by making payments on the day can control what their children do.

 

Wishbank First Signature Account

Wishbank is the first bank to implement accounts for children. It was first implemented in 1987. They issue credit cards for children under 12 years of age. Those who wish to carry out this transaction at Wishbank are obliged to apply to the bank branch with their parents.

It is mandatory that the child has an identification card. With the completion of the necessary signature procedures and authorization procedures at the Bank, the child may perform all the necessary transactions himself. You can pay through ATMs, shop in installments from the stores and make payments through ATMs. Only parents should provide their children with detailed information about the use of credit cards.

 

Securecash Bank Junior account

Securecash Bank Junior account

Securecash Bank is one of the banks that issue credit cards for people under the age of 18. You must go to the bank with your mother or father. After the application to the bank, credit and debit cards are issued. With the opening of accounts, shopping can be started immediately. In addition, mutual fund transactions can be made with Securecash Bank Junior account. Those who wish to apply for this account and credit card should go to the branch.

Participatory loans

Today we want to talk about participatory loans, those of which society in general have barely heard. It is a Good financial product between a business loan and a conventional loan and venture capital investments.

Objectives proposed in the business plan are achieved

Objectives proposed in the business plan are achieved

It stands out above all for the need not to have a guarantor but a good business plan that the banking entity sees as profitable and viable since the money is being slow as the objectives proposed in the business plan are achieved. These can be met in monetary terms of billing or sales, by customers, products, etc.

We are therefore facing a long-term loan with interests linked to the direct results of the company.

Regarding its conditions, they consist of a fixed interest and another variable that are established depending on economic indicators. An advantage in this regard is that these interests are also deductible on the Corporation Tax which must be paid annually.

The repayment term or date is established

The repayment term or date is established

The repayment term or date is established in the signing of the contract so that the loan can be converted into a percentage of the company and the lender does not participate in any of the efforts of the company although it would have a representative on the Board of Directors. Administration.

At present, this financial product has become one of the star products for entrepreneurs and companies that need liquidity for their business and do not want to apply for a conventional loan at their bank.

To be able to access them

To be able to access them

However, to be able to access them, you must be a small or medium-sized company legally constituted, have audited accounts, demonstrate a good economic situation and provide all the necessary documentation that explains the business project and its viability.

Therefore, participatory loans have become a great source of financing, although for self-employed cases, for example or when smaller amounts of money are needed, we can opt for fast loans whose conditions you can consult at Good Finance.