Bond’s car sells for £2.9 million

An American businessman bought James Bond’s 1964 Aston Martin DB5 for £2.9 million at a London auction yesterday. The car driven by Sean Connery in his portrayal of the suave but lethal British secret agent in Goldfinger and Thunderball sold for less than its 3.5-million pre-sale estimate to businessman Harry Yeaggy, auctioneers RM Auctions said.

“This is a car that I’ve always wanted, after all it is the most famous car in the world,” Yeaggy said in the statement. “My plan is to display it in my private car museum in Ohio just as it is.” Yeaggy is only the second ex-factory owner of the distinctive silver-coloured car. Seller Jerry Lee purchased the car direct from the Aston Martin Lagonda factory for $12000 in 1969.

Share |

Read more...

Getting good business from a bulk oil service

Do you own a construction company? Are you in charge of operating a trucking business? If you business utilizes machinery, one important thing in constant demand is oil and lubricants. Various commercial endeavors require bulk oil services for the proper functioning of their machinery.

Whether your business involves mining or railroad, construction or transportation, only a competent service would be able to cater to your regular bulk oil requirements. The first question is what kind(s) of oil your business requires. The usual requirements are for Hydraulic Oils, Compressor Oils, Motor Oils, Lubes, Tractor Fluids, Greases, etc.

Ask the service provider whether they offer the right variety of bulk oil that you need. Sometimes, a special blend is necessary for a particular type of equipment. In such a circumstance, you also need to enquire whether that particular blend would be available in large amounts from the service provider.

The next question is the delivery of the oil. It is in this regard that you understand why choosing a local service is a better option. This makes the delivery of the product easier. For a South Carolina based business, you need to find a South Carolina bulk oil services to make it more convenient.

Does the service provide proper and timely delivery? A good service can easily handle the delivery of the oil to your facility. Ask whether they can tackle all ranges of bulk oil delivery – from comparatively small to huge amounts. Moreover, you also need to know whether they provide on-time delivery or not.

The quality of the goods and the service and a reasonable price for both make for good bulk oil service. Another important factor is the efficiency of the staff and technicians handling the task. After all, only when the owner/operator of a business is satisfied with the job, would they return to the same service the second time.

Share |

Read more...

Things to Look Out for in an Income Protection Policy

Income protection forms an integral part of a life insurance policy. This ensures the fact that you are not caught in the midst of a financial crunch in the event of an accident or an illness. This also helps to get coverage against mortgage payments, any outstanding bills or medical bills. The insurance may provide coverage following an injury or an illness or may be applicable after a while, after the employer has settled all the outstanding bills. The income protection policy normally offers a certain percentage of the previous income amount and is exempted from taxes.

There are various types of income protection policies that are available. The plans differ based on the span for which it is valid, the time from which they are initiated and the amount of coverage provided. This way you can personalise the income protection insurance to suit your personal requirements and opt for a policy that turns out to be the most affordable option.  The things that should be considered before opting for a policy include:

Policy Terms: The policy holder can decide the time from which they want the policy to be in operation. Most often the policy term begins after a span of four to eight or sixteen weeks after the individual suffers an illness or injury.

Duration of the Policy: If you opt for a long term income protection policy then you can avail benefits right from the moment when you are struck by a disability till the time you retire from your job.

Coverage: The coverage amount differs from one policy to another. For some people, the amount that they need is sufficient to provide coverage for the mortgage payments. There are others who may wish to incorporate additional funds for other expenses such as medical bills.

Keeping these factors in mind, you can choose a policy that is affordable and at the same time matches your requirements.

Share |

Read more...

Planning your Pension Scheme

People who do not have a pension plan of their own often reason against it as being too expensive to set up. They are also cautious of the fact that brokers may charge a lump sum as commission. A pension scheme helps you save for the future when you retire from your job. It is an investment for the safety and security of your future.

As part of a personal pension scheme, the individual contributes regularly to the fund, either on an ad-hoc basis or on a monthly basis. The money is collected and invested in the funds. It is an important consideration for most individuals. You might think about the relevance of such long term planning. But it is necessary to understand the fact that you will not be able to work throughout your life and age and infirmity will get the better of you.

Pension schemes may appear to be complicated and people often tend to put it on the last position in their savings scheme as there are more urgent financial needs to be met. While people in their twenties think that saving for a pension scheme is meant for those who are over 30 years of age, there are others who cannot afford to pay for a pension scheme.

While these concerns are valid in their own right, saving early for the future always reaps in rich benefits. It is important to choose the right pension plan where you can invest a certain portion of your salary.

You may find it difficult to decide on the way you can save money for your pension. You can determine a personal program plan with the assistance of pension brokers in Dublin.  This way you can properly allocate funds as your savings and enjoy its benefits during your retirement years.

Share |

Read more...

Choosing a Health Insurance Plan

The cost of healthcare insurance is increasing by the day and so is the premium amount. However, the rising costs cannot act as a deterrent when it comes to opting for a health insurance. It may not appear to be consequential in case of a broken leg or a lab test, but when it comes to the expenses of a surgery or the treatment of a chronic disease, it turns out to be absolutely necessary. With a little bit of planning, you can substantially reduce your healthcare insurance costs and at the same time obtain adequate medical coverage.
 
It is important to determine what health insurance options you have. You can also check the fact whether your employer offers the benefits of a health insurance. There are many employers who offer health benefits to the permanent employees on their rolls. Then there is the option of group health insurance which is the cheapest way to acquire medical coverage.
 
It is important to choose the appropriate health insurance plan. The choice is based on a number of factors. These include:
 
Finding out the appropriate health insurance plan with a network that fulfils al your requirements
Looking for a plan that offers coverage that meets most of your expenses
Obtaining a health insurance with low premiums
 
Health insurance companies have an extensive network of hospitals and clinics. If you opt for treatment in any of these hospitals, then the cost of treatment is completely covered under your health insurance plan.
 
Health insurance policies are the most complicated policy purchase that an average family does. It often becomes difficult to understand how a health insurance policy can cover up for the medical bills that one needs to pay. You need to understand the complete implications of the plan before choosing to opt for it.

Share |

Read more...

Fire Insurance Claims And Insurance Loss Assessors - Help Your Business Survive

Any kind of disaster at you work premises can have a disastrous and catastrophic effect on your business but fire can be absolutely devastating – but what can you do to ensure the financial impact on your business is minimised? The obvious answer is to ensure that you have adequate insurance in place. Most people would think this would be enough and that you would get adequate financial compensation for your losses – unfortunately this is not always the case.

Following a fire at your business premises there are going to be a multitude of problems to address – the fire may have damaged, stock and premises. There is going to be an immense amount of work in putting all the necessary plans into action, all of this alongside the fire insurance claim. Many businesses assume that the insurance company will take control of the all the issue surrounding the claim, but in actuality this is something you will be dealing with yourself. The insurance company will appoint a loss adjuster to deal with your claim – but like their name suggest they are there to adjust the claim. The insurance company is a business like any other and making money is paramount on their mind. The loss adjuster (whilst working in line with the law) will try and ensure that the insurance company pays out as little as possible.

So how can you combat this when you have little knowledge or expertise in the area of insurance claims?

When the phrases insurance loss assessor is thrown around it is usually in the same breath as loss adjuster which results in may people thinking that they are one and the same – that they carry out the same job. In fact the insurance loss assessor will be employed by your company to act on your behalf and they will carry out all the tasks that you would have had to take on if you were dealing the fire insurance claim. Because the insurance loss assessor is working for you they will have your interests in mind and will be working with the loss adjuster and insurance company to ensure that you get the best possible financial outcome.

The expertise that an insurance loss assessor brings the table is crucial for giving your business a stable future – many businesses fold within the first year and a half after a major disaster at the workplace, be it fire, flood, earthquake or similar. You owe it to your company and your employees that this doesn’t happen to you.

Wayne Barker writes for Harris Balcombe, the foremost Claims Recovery Specialist in the UK.

Share |

Read more...

Conquering Your Debts-The Sensible Effective Five Step Plan

Conquering debts can seem like some kind of unachievable dream to many people. Credit has enabled a lot of people to live the life of their dreams. From buying a car to purchasing their first home, credit and the debt that goes with it have made it possible to buy things that we otherwise could not afford to pay for upfront.

The problem comes when the debt starts to get out of control. For a lot of people rising debt is a cause for worry, stress, and can even create tension in a family. Finding ways to manage debts and start dealing with the bills may seem like an unwinnable task, but there are ways to get your debt under control.

1. The first step is to create an essential only spending strategy. While you take a closer look at your finances it is a good idea to place a hold on spending for anything but the essentials. By saving a little here and there you can see the savings start to add up pretty quickly.

2. Cut back on over-easy living habits. Instead of eating out for lunch, packing one from home can easily save a sizable amount of money over the course of just a month. Getting rid of monthly expenses that are not being utilized is also a good idea. If you have a subscription service that you are not using, cancel it.

3. Stop being deluded. Sounds harsh, but it happens to many of us. The next step is to take a good long look at your debt and to be honest with yourself. A lot of individuals have deluded themselves into thinking they can afford a lifestyle that they simply can't. If you are living beyond your means it is only a matter of time before it catches up with you. Realizing what the truth behind your debt is and facing the realities honestly will help making and sticking to a plan a lot easier. It will not be possible to manage your debt if you are not realistic about it.

4. Focus on the fact that it will be possible to achieve your objectives to get on top of your debt. We have seen single parents with three kids or more get a handle on debt all by themselves, so if they can do it so can you. Once you make a plan, stick with it. Set goals and keep them in mind if things get a little rough.

5. Go through your credit cards and pay down the higher interest card first. A lot of credit card companies will work with you if you call them and tell them your situation. The important thing is to remember to be patient. Debt can take a long time to accrue and it can take even longer to get rid of. It does not disappear instantly but if you stick to a plan, it will disappear eventually.

Share |

Read more...