How to Shop for Kentucky Automobile Insurance as a Bad Driver

By Steve Turner

It is almost always more difficult and more expensive to get automobile insurance in the state of Kentucky if you are a bad driver. It has always been like this because bad drivers are a higher risk to the insurance companies because they are more likely to get in an accident and require a pay-off. It is possible to get affordable Kentucky automobile insurance if you have a bad driving history, but it may require a little work.

It is common sense that if you are a bad driver, your insurance won't be as cheap as if you had a better driving record. Insurance companies give discounts for being a good driver because it is less likely that they will have to spend money on you. But if you do have a bad driving record, it is possible to take steps to get a better rate.

Because it is the first thing that companies look for, it is the most efficient to start by cleaning up your driving record. Make sure you are driving safe and responsibly to avoid additional marks against you. Taking a Basic Skills Driving Class or a Defensive Driving Course can erase past marks against you to lower your rate.

Because insurance companies often draw factors other than just your driving record, it is important to be responsible in all aspects of life. Since your credit score can often be factored in heavily to your premium price, make sure that you take care of your credit. If needed, necessary take actions to improve your credit.

If you are a student, be sure to get good grades and you will qualify for a good discount. Also be as specific as possible with your insurance agent because they can often find you a discount for having things as insignificant as an email address or an established bank account. All these factors are small separately but can add together to make your insurance significantly cheaper.

If you know you have a bad driving record or low credit, you can expect to have a higher rate initially. But if you apply these principals you are on your way to correcting the problem and getting the lowest rates offered to anyone. If you continue to be responsible and take these steps you will be able to dramatically cut the price of your premiums.

In shopping for insurance it is usually most effective to purchase car insurance through an Insurance Broker. These are insurance agencies that work with a number of different companies. This is helpful because they can find you the cheapest rates around. They can shop through all the different companies and find the one that is the most lenient with the problems you have.

About the Author:

Steve Turner is a dependable resource for purchasing Kentucky Automobile InsurnaceKentucky Automobile InsuranceSteve Turner additionally knows how to locate competitive insurance prices for bad driversKentucky Auto insurance for bad drivers

The Iron Condor, Elegant Bird Or Trading Strategy?

By Walter Fox

The Iron Condor is a commonly used stock option trading approach that employs two vertical spreads, a Bull Put Spread and Bear Call Spread that are positioned so that they both have the same expiration. In this strategy, the number of put spreads is the same as the number of call spreads.

To learn to day trade, one must know the origins of the terms commonly used with this technique. The shape of the profit to loss graph is the derivation of the Iron Condor term itself. This shape closely resembles a bird with wide, spread wings, like a condor. The abirda itself consists of two partsa"the inner options, or body, which refers to the inner options, and the outer options, which refers to the wings of the acondora.

The position of the spread symbolizes the Iron term. This is located across the price of the fundamental device. The fundamental device has one vertical spread that is below and above a current price. Different Condor techniques consist of the same basic shape as the Iron Condor, however they are worked in a different fashion.

There are two types of Iron Condor options trading a"the short Iron Condor and long Iron Condor. The short Iron Condor trading technique is an approach where a trader will trade or buy long options contracts for the inner (body) strikes. These strikes are both out-of-the-money strikes. In succession with the buying of long options, the trader will sell options contracts for the outer (wings) strikes.

The Long Iron Condor varies as it has a slight difference from the Short Iron Condor. The trader buys options from the outer wings and sells the options to the inner body. A bit of a reversal, however these are also out of the money strikes.

In adopting the Iron Condor, you may reap its positive benefits. A helpful benefit is the Iron condor has the same benefits and margin perquisites as a single vertical spread. The gains are a potential profit from double net credit premiums.

Another advantage is that further transaction charges can be prevented by letting the options contracts to expire. This is a direct result from the positioning of the spot price of the underlying line being between the inner strikes near the tail of the option contract.

As evident from the great advantages given by using the Iron Condor technique, this trading strategy is commonly used in option trading and taught to students attempting to learn to day trade. While only slightly different from other acondora-type trading techniques, the Iron Condor is significantly more advantageous in advanced situations where the buyer desires multiple options in situations when the trader needs to know how to trade options.

About the Author:

TheScienceOfTrading.com provides 90 free minutes of videos on stock option investing and provides a complete and detailed option trading course for beginners to experts.

Keep Your Home With Mortgage Payment Protection

By Chris Channing

You may have a mortgage on your home that you took out to help pay for some service or improvements on something. Taking on a mortgage can certainly put you into a deep hole of debt if you don't play your cards right. There is even the possibility that you will lose your home and all of the things you own if you are unable to make repayment on time, especially if you don't have an insurance plan like mortgage payment protection.

Becoming unemployed for any reason can make even the hardiest of us cry, especially if we have something as important as a mortgage to take care of every month. Losing your job because of accidents, sickness or plain being laid off from a good job because of downsizing is always allowable and you can feel safe knowing you are covered for such an accident. This way you can make sure that you can repay your mortgage obligations each month regardless of whether or not you are employed for a period of time.

You can be looking for work or healing from a serious injury while the mortgage payment protection service covers your payments to the bank or lender. Those who have suffered a bad accident and are no longer allowed to work until they heal do not have to worry as mortgage payment protection has them covered.

Being from age 18 through 65 years or older in some cases as well as being employed for over 16 hours a week are some of the requirements to be eligible for mortgage payment protection. You need to be self employed or under a long contract to be able to be eligible if that is your source of income.

The length of the coverage is usually for 12 months from the unemployment date. In some special cases and through some companies, a 24 month period of payment protection is offered. This is usually long enough for a client to get back on track with their health or to find a new job that is adequate enough to cover the costs of the mortgage repayment terms.

It doesn't matter what gender, age or occupation you are, you will be covered under the mortgage payment protection service if you met the requirements. Some of the younger users that sign up for this type of protection often have lower prices for mortgage payment protection. Some companies allow you to choose what benefits you use, often raising the price a little if you choose options that provide better coverage and terms.

Closing Comments

Being without employment seems like a dead end when you have a mortgage. As long as you have mortgage payment protection, you will be fine and not have to worry about repaying the loan for one to two months.

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Learn more on mortgage payment protection and Insurance.

Baby Phat Rush Card - Review

By Dan Moskel

This card was created by co founder of Def Jam record label, Russell Simmons. This is a prepaid card and is issued as the rush card or you can get a baby phat rush card.

The baby phat prepaid card works this way; you make a deposit on your card, then you can use your card to make purchases, then the funds to pay for those purchases are deducted from your card. The card offers 100% guaranteed approval.

There is no chex systems check or a credit check. The rush card comes as a black card and the baby phat rush card is a pink card.

This card does give you free direct deposit. To use this you will only have to fill out a form and turn it into your employers' payroll department.

Then you checks will be deposited into your rush card. You will still get a breakdown on your hours and how much the deposit was.

If you are in need of cash this card can be used at over 800,000 ATM's world wide. You also have free online account access.

You can use your card to make purchases online or over the phone. There is also another benefit; you can write physical paper checks from your rush card account.

To use this feature you visit the website and input the person or business that you want to write a check to. This includes name, amount of payment and address.

Then a physical check in your name is sent to the payee. This is a great way to pay your bills, no more buying money orders.

Using this service and direct deposit you can save a lot of money because you will no longer have to pay for money orders or check cashing fees again.

However, we do not recommend the rush card. This is because of the number of fees they have that other prepaid cards do not carry.

An example of these fees is the convenience fee the rush card has. With this fee you are charged every time you use your card.

The charge for this fee is $1.00. There is a maximum charge of $10.00 a month however you will be charged this $1.00 fee every time during that month.

You will have to wait till the end of the month and full calendar month later to have your extra charges refunded to your account.

That works out to almost 2 months before you will be issued your refund. These fees are ludicrous; there are very few people that only use their credit card ten times in a month.

Furthermore to be charged for every purchase you make seems outrageous. Then to have to wait for a full calendar month to expire before you are issued your refund is unbelievable.

Also with the rush card in order to use bill pay you must pay $2.00 and then an additional $1.00 for every check you write. There are many prepaid cards that offer this service for free.

The rush card proudly says there are no hidden fees with their card. However they have more fees than any other card we have reviewed. They carry a fee with every transaction you make with your card.

In sum, we do not recommend the rush card to anyone. There are good prepaid credit cards; however this is not one of them.

About the Author:

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Getting The Most Value In Your Home With Equity Release

By Chris Channing

Many people wonder what they will do with their home when they get older. You cannot take your home with you when you pass on, so what use is having it, especially if you have no heirs to receive it? Or maybe, you just do not want to leave anything behind for your heirs to fight over, especially if it is something like your house which simply cannot be split up into pieces.

You may have worked your entire life to gain and maintain a home. In all of that hard work, your time was spent making money just to survive, the most you can do before you die is have some fun right? Most people do not wish to live out their final years in nursing homes, especially with all of the bad media surrounding them today with abusive caregivers and more. Living in your own home until the end of your life is how it should work.

Equity release loans are a special type of loan used to remove equity from a home or property that you own. This way you can get some of the money out of the value of your home in a lump sum or over time like an income supplement.

You can secure your old age necessities with an equity release. Vacationing and general pampering as well as finding some good use for extra money are all simple ways to enjoy your later years. You get to keep your home as long as you are alive and kicking, meaning you can live in the home, make improvements, get a pool or anything else that you please.

There are only a few requirements for the basic equity release loans. You can apply for an equity release if you are about 55 years old. You have to also own your own home without having other types of loans on your equity. You can use this process to remove other taxes from what your heirs inherit if you leave them anything.

The basic way to get an equity release is through your local bank. You can have a visit with them to determine your equity release options and discuss the full terms there. Not all banks work the same way with equity release, and some require you to be older than 55 years of age. There are also many available options online that you can research to find the one that suits you best.

Closing Comments

Equity release is a great tool to help you reduce the equity in your home, or to enjoy your final years. You can use it however you see fit and you usually do not have to worry about paying it back.

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Learn more on equity release mortgages and equity release.

Equifax Dispute

By Justin Hutto

You can dispute a bad credit listing on your Equifax credit report by creating a dispute letter. In your letter you must identify the disputed listing and provide an explanation as to why it is incorrect.

There are two options to do this; you can do it yourself or hire a credit repair service to do it on your behalf. However be aware if you do it yourself that you must send a letter to each credit bureau.

This means that if you send a letter to Equifax and they remove the mark you will also need to send a letter to Transunion or Experian. There is no communication between the three bureaus regarding disputes.

Common reasons to dispute a bad credit item include; information is wrong, item is out of date, account paid in full and more. The Fair Credit Reporting Act passed by congress gives you the right to dispute any item on your credit report.

In addition this act says that any mark that can not be verified must be removed from your report. This is what the dispute process is based upon.

Upon receipt of your dispute letter the bureaus will investigate. During the investigation they will ask the creator of the listing to verify the account, the dates on the account, and the account balance.

In the item is not verified then the bureau must remove it from your credit report. Frequently investigations will result in the removal of bad credit from your report. This happens because many businesses are not willing to spend the resources to verify disputed debts.

However before the bureau will investigate your dispute they must say it is valid. There is no clear cut definition of what a valid dispute is.

Many claim that the bureaus are just avoiding having to hold an investigation so they will deem your dispute invalid and respond with a letter requesting more information about the dispute. It is widely speculated that this is nothing more than a stall tactic used by the bureaus.

This is because there is no money to be earned from the dispute process. It however will cost the bureaus time and money to investigate.

I suggest you hire a service if you have multiple items you wish to dispute on your credit. If you have only minor damage on your report then you can do it yourself, just remember to be persistent and have some patience.

In sum you do not have to wait seven years for a bad credit item to be removed from your credit. You can dispute the listing and have it removed immediately.

About the Author:

For a free credit repair letter to dispute items on your credit report or to read a review of Lexington Law a suggested credit repair service visit us.

Is There Such A Thing As Bad Credit Student Loans?

By Dave Davis

When I was younger, I absolutely destroyed my credit. I got two student credit cards in my first year of school and it all went downhill from there. My parents hadn't taught me about credit and honestly, my money management in general was just terrible. Since my parents couldn't help me with school, paying for it was always very difficult.

Since I ruined my credit, I had a hard time qualifying for anything. Trust me when I tell you that trying to run your finances with a 450 credit score is a quite interesting challenge. The worst part is getting denied for credit - the embarrassment will get to anyone. I honestly didn't think student loans were even a remote possibility.

Now that school is a thing of the past, I have started to learn a lot more about loans and credit. The funny thing is that I could have taken out student loans all along. There are a few different government programs that help people with bad credit.

The federal government has created the Stafford loan program which allows you to take out student loans regardless of your credit history. They guarantee the loans which takes away the risk from the institution that provides you with the loan.

Economically, it makes perfect sense for the government to loan money to students. Even students that have bad credit will increase their lifetime earnings significantly if they graduate from college. The government knows they will get more in taxes if they can get more people to finish school.

Qualifying for Stafford loans is actually quite simple. First, you will need to be a citizen of the United States that is 18 years old. Yes, minors can go to college. However, they can not legally get loans without a cosigner.

Defaulting on previous education loans can make you ineligible for Stafford loans. If you have an educational loan in default, you will have to pay it off and you can then qualify for a Stafford. If you haven't defaulted on a loan for education in the past, there's a pretty good chance that you can take out this type of loan.

If I had learned about these loan programs earlier, I could have finished school in a much shorter time period. As is, it took a few extra years. I guess you have to live and learn. Hopefully this article will help someone to learn that getting loans is an option now.

About the Author:

Dave helps people to learn about different types of guaranteed online personal loans and bad credit student loans online.

Saving Money Sucks Unless You Know This Important Fact

By Jenni Snook

Lately, with the current economic and debt crisis, we are encouraged more and more to start putting money aside. In spite of the economic booms of recent times, there still exists the possibility of being out of employment for both yourself and your partner. If you wish to ride out such a situation, it is highly recommended that you save 2-3 months worth of salary to cope with such a dire situation.

However, do you ever wonder why, even though you and your partner seem to make good salaries, it is impossible to save any money? You feel that the money quickly disappears just after seeing it arrive. you are really trying to save money but you find pretty much an impossibility.

Being able to save money isn't as impossible as you may think. The first major obstacles that is normally faced by those trying to save money is simply organizing their finances. I can pretty much guarantee that you are actually spending more money than you think and that you are oblivious to most of this spending.

One great way to saving money is by keeping track of what you spend. All you need to have do this is a notebook of some kind and a pen or pencil. You must take this everywhere with you to record all your purchases, to the exact cent. Even if the purchase may still small and meaningless, you must keep track of it.

You should aim to do this exercise for at least a 2-week period. This exercise could be a bit difficult, however, it will see you discover and break bad spending habits. After doing the exercise for 2 weeks, you will have to examine all your spending. You will soon start to realize where all that money is going.

It's perfectly normal to be shocked by how much you may be spending on what are seemingly small items. For example, spending 1 dollar on a newspaper each and every day may seem small, but it amounts to 365 dollars over an entire year.

Once you find out how much money goes towards what seem like insignificant items, 2 things will take place. Firstly, you will not be too happy about your spending habits. It isn't uncommon for people to spend thousands of dollars in a year on objects such as newspapers, coffees and small treats. As a result, people get angry with themselves about this. After getting angry with yourself, you will react by seeing how to reduce your spending. As a result, you will make a decision as to what items are necessary and what aren't.

If you want to start putting money aside, a great money saving tip is to first start tracking your finances. Such an exercise shows you first hand your spending habits and what you can do to fix them.

About the Author:

Jenni Snook is the head columnist of http://www.HealthyWealthySoul.com, a website dedicated to giving individuals recommendations and resources on personal finance planning to have both financial and spiritual bliss in their lives.

A warning to credit card tarts

By John Evans

Did you know that there is more than double the amount of credit cards today than there are people living in the UK? Last year there were over 145 million credit cards floating around and that figure is growing. Credit cards have become a major part of our financial life and there ain't a darn thing that we can do about. No credit crunch of any magnitude to going to change this. One of the major uses of credit cards, apart from purchases of course, has become for balance transfers. You may have transferred your balance in the past or perhaps you are considering the possibility in the future. Maybe you have even become a "card tart" - a serial balance transferor. However you have decided to play things, you need to be warned that changing credit cards over and over can and does have adverse effects.

Back at the dawn of time (at the turn of the century actually) when 0% balance transfer cards were introduced the companies didn't seem to realise that this was going to be the case. The rebels grew and grew. Fighting back, the card companies introduced balance transfer fees in around 2005. At this time it was estimated that credit card companies were losing around 1 billion a year in admin costs and lost revenue, so you can see why they made the move. Currently these fees are now around 3% of the balance that you wish to transfer. Still this didn't deter the card tarts and people still regularly transfer. Now in a startling turn of events card companies are once again banishing fees to the outer regions but why?

A sign that credit cards were beginning to wise up came along in 2004 when a major credit card company introduced credit card balance transfer fees. Nowadays these fees are around 3% of the balance you want to transfer; transfer 1000 and you will be charge 30. The fee was introduced because it was estimated that switching cards was costing credit card companies up to 1 billion a year in administration costs and other financial losses. With that kind of money disappearing into the ether credit card companies simply couldn't afford not to do something. Unfortunately (or fortunately depending on which side of the fence you're on) this didn't seem to stop anyone.

Now credit card companies are on the look out for card tarts in a similar way to police scouring the streets for people selling dodgy goods. They expose tarts by examining credit histories. Your credit history is what determines whether you are accepted for credit or not. It is held by a credit reference agency, which then discloses the details to the banks. The credit reference agencies simply compile data on credit use. On your credit file will be all of the cards to which you have applied, have been accepted for and the credit limits given. It also has details of repayments you have made - or failed to make.

So what's the deal? Yes you can by all means transfer from card to card in order to take advantage of those lovely 0% credit card balance transfer offers but you must remember that it is recorded on your credit history. In the future this can affect new card applications. Is there a way around this? Well you could possibly make sure that the rest of your rating is as perfect as possible. Or you could throw the odd purchase on the card whilst paying off the balance. You could even keep hold of the card for a while after the 0% period ends just to make all of the credit companies happy. In the end it is entirely up to you - but you have been warned!

About the Author:

John Evens is a financial writer based in London. He writes for popular financial-based websites and likes to provide indepth credit card information to consumers. Find out more about compare credit card and the UK card here.

Why Teenage Drivers And The Car They Choose Impacts Pricing

By Chris Channing

A teenager eagerly awaits his or her first vehicle, since it is a memorable moment as well as one of the first steps into adulthood. Teenagers often drive better cars than their parents, which is no surprise. These cars however, may be influencing your auto insurance more than you think, and that is why you should heavily consider the options and costs of that car your teen has been coveting.

SUV's and other large clunky vehicles are high risk. Auto insurance for teens will cost considerably more if you are insuring an SUV or other popular large vehicle. These vehicles are unsafe and roll over badly in wrecks. Auto insurance companies see them as very high risk, and its not worth it to them to offer you cheap insurance. Even if your teenager desperately wants an SUV, avoid getting him or her one, especially if it lacks a considerably amount of safety features.

If you are considering purchasing your teenager an older model vehicle, it could be a pretty good move. Of course it all depends on the vehicle itself. Older vehicles that are on a safe list, easy to repair, and in good condition can be insured for very reasonable rates; especially when paid for in cash. Older cars that are not in good standing are likely to come with high insurance rates that are undesirable to most.

The car that you choose to buy your teenage greatly impacts the auto insurance rates for your teen. A vehicle with few safety features and too many risks will result in sky high insurance rates. A vehicle that is too new will also result in very high rates.

Cars that are at high risk for being stolen or damaged are also likely to come with higher teen auto insurance rates. This is unpleasant, especially since the expensive cars are the ones that teenagers typically want. You should do the opposite, and get them a car that is in both their best interest, and yours.

Older and newer cars alike have risks associated with them. Some are more expensive to fix, some are not as safe, and some are hot on the market for theft. You have to draw a boundary line and choose what will work best for your families budget. Teen auto insurance rates are not fun to pay, so getting a lower cost insurance is a much better option.

Closing Comments

Choosing the right vehicle is important, especially when it comes to your teen auto insurance rates. High premiums can be avoided fairly easily. They can be knocked down to manageable rates.

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Learn more on bad credit auto loans and auto loans .