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Top Tips To Save Money on Buying and Insuring Cars
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Home Insurance Online Quote
Obtaining online home insurance quote is the best way to select and purchase a home insurance policy. Home insurance is a paramount requirement for those people who own a house or has given his house for rent. You save pounds after pounds to invest in your homes. Therefore you should make sure that it is taken of properly. And if some damage is done to your homes, you can easily, without spending ... Read insurance article
Health Insurance and Wellbeing
Life is full of unexpected situations which can affect our existence. Health is one of them. ''Health is wealth' is a proverb, which has lost its significance in the modern times. The fast-paced life of the contemporary world where everyone is trying meet deadlines and work in a jam-packed scheduled, health is often ignored. It is only when, we suffer from a sudden difficult health situation that ... Read insurance article
Top Tips To Save Money on Buying and Insuring Cars
With new cars in the UK coming at high prices, it's not surprising that many people turn to importing vehicles from other countries. If you are prepared to put in the effort it can save you a lot of money, but there are many things to be aware of when considering importing a car.
The Law
European Law prohibits any manufacturer from preventing an EU citizen from purchasing a vehicle at the pre-tax price in any other EU country. What this means is that there's nothing stopping you from buying a car from anywhere within the European Union. There are also no holds in place to prevent you from importing a car from America. However, bringing a car over from the states will cost you an extra 10% import duty as well as the standard 17.5% VAT.
Vehicle Specifications
One of the main things to be careful with when importing a vehicle to the UK is the standard and specifications of the car. Many vehicles which appear to be exactly the same can have subtle differences from country to country. Items such as headlights, steering wheels, mirrors etc. must meet the UK specifications if you want to be able to drive it over here. Find out which fittings come as standard as this can also vary from country to country, and make sure you get all details and specifications in writing from your dealer. Also remember to specify that you want a right hand drive vehicle.
Ensure that the car comes with an EU "Certificate of Conformity" approval to allow you to register the vehicle in the UK. Imports from America must pass the Single Vehicle Approval regulations (SVA).
Payment & Hidden Costs
When importing a car, it is worth being as secure as possible when parting with your money. Many dealers will ask for a large deposit up front, which you are unlikely to receive back if the dealer goes bust. For this reason it is advisable to pay by credit card so you have payment protection cover. Before making any deal however, and parting with any cash, you should consider all the costs involved with purchasing and transporting the vehicle over to the UK. Will it really save you as much money as you hoped? There will be a standard addition of 17.5% VAT for all cars purchased and brought into the UK, and as mentioned above, an additional 10% Import tax when buying from America. On top of this, you must consider shipping costs, shipping insurance while your vehicle is in transit, and the possibility of the increased cost of imported car insurance.
Shipping & Registering
Arranging shipping for your vehicle can be expensive, but their are a lot of companies that specialise in these services so shop around for the best price. Alternatively, you can travel to the dealer and drive the car back yourself if you really want to try and save a bit of extra money. You will require 'transit' or temporary plates for the journey home which will last a month and won't set you back too much. You also need to make sure you have insurance while travelling back.
Once the vehicle has arrived in the UK, it must be registered and taxed as soon as possible. The vehicle should not be used or kept on public roads until the registration and vehicle tax formalities have been completed. The only exception to this is if the vehicle requires an MOT or an SVA, in which case to vehicle may be driven to the pre-arranged appointment.
Once your vehicle is road legal, the only thing left to do is arrange insurance for your imported car.
For more information on importing vehicles, and to get deals on insurance for imported cars, visit QuoteA, a specialist in modified and imported car insurance.
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Social Security Privatization
You may recall the Bush Administration suffered a defeat in their attempt to privatize Social Security. After this initiative failed due to public outcry, the focus of Bush's presidency shifted back to the war in Iraq. This defeat does not mean the Republican efforts to outsource Social Security are finished, not by a long shot. The initiative to privatize Social Security, which is part of the "Contract with America" to reduce government, has shifted from a political campaign to a slanderous attempt to discredit the agency and sway public opinion back in favor of privatization.
This is being done by eroding the agency from within. They are discrediting Social Security's front line employees to make the agency look incapable of fulfilling its charter. Social Security's front line employees come in two varieties: service representatives you meet in your local field office, and Tele-Service representatives you speak with when you call the national 800 number. These front line workers are unionized under the American Federation of Government Employees (AFGE). After the Bush Administration's effort to privatize Social Security failed, the Administration took sweeping measures to limit AFGE's ability to represent its members. Social Security employees were given a contract that prevents the union from representing its members as it has in the past.
The Bush Administration is implementing a "pay-for-performance" appraisal plan for Social Security employees and a subjective call monitoring initiative that has resulted in the unprecedented attrition of Social Security employees. Social Security's 800 number representatives are monitored by members of management following subjective guidelines for quality; this monitoring is being enforced with a record number of employee suspensions at the nation's Tele-Service Centers. Employees are being suspended for infractions ranging from their "tone of voice" to what is being called "rude and discourteous behavior."
This may sound trivial to the casual observer; however, with no clear guidelines for Service representatives and without considering the context of the calls being taken, the one to five day suspensions being handed down are clearly designed to drive the employee attrition to current levels that call centers in the private sector would shudder at. The unprecedented levels of employee turnover has resulted in a hiring spree of new employees and the expense of their training; a blatant waste of your tax dollars.
Other initiatives designed to drive Social Security employees out are a mandatory four minute limit on each call. If an employee is unable to solve the caller's problem within four minutes they are required to place the caller on hold and seek assistance from their supervisor. How can a four minute limit on calls serve the best interests of the public? On top of this employee unfriendly work environment, the agency is threatening its employees with work furloughs where each employee would have mandatory unpaid time off each month. These furloughs are designed to further drive employee attrition and make the agency look incapable of managing its budget, all in an effort to sway public opinion in favor of private Social Security. Social Security's front line employees serve the public day in and day out; they deserve better treatment than this.
Jack Burton specializes in helping people understand Social Security programs for Retirement, Medicare, Supplemental Security Income (SSI), and Disability Benefits. The website Social Security Laid Bare presents information on all of Social Security's programs in an easy to read format, without technical jargon. For more information visit Social Security Laid Bare: http://www.socialsecuritylaidbare.com
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