Monday, December 14, 2009
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USA Insurance
State wise Insurance list of USA | Insurance in USA | USA Insurance details and quotes
0 comments Posted by Steve Benn at 6:39 AMInsurance in USA, USA Insurance, USA Car Insurance, Travel
0 comments Posted by Steve Benn at 6:36 AM
Insurance in USA
The total assets of life insurance companies have grown at an average annual rate of 12 percent from 2002 to 2004, rebounding from slower growth of 3 percent from 2000 to 2002. Companies like MetLife, Prudential Financial, New York Life Insurance and others deal with the life and Health Insurances of the country.
Among other types of the insurances of the country Travel Insurance, Auto Insurances have a high demand. The Auto Insurance follows Liability coverage, Bodily Injury Coverage, Property damagecoverage, Medical payment coverage, Personal Injury Protection (PIP), Uninsured Motorist coverage and collision coverage.
- To increase your loan eligibility, combine your income with that of your spouse, children or parents
- Always negotiate - the first home loan interest rate quoted is never the final rate
- Before paying the loan processing fee request lender for preliminary check on the property
- Buy Loan Protector Life Insurance - ensure your family can use the house if you are not alive
- Immediate disbursement get best rates – talk to home loan providers when you are close to finalizing your property
Benefits aside, most of us still have to grapple with the fine print of a loan agreement.
A home loan helps you reduce your tax burden besides offering the pleasure of owning a house and living in it.
Increasing your loan eligibility
How to get the best rate for your loan
Can one get both exemption of HRA as well as deduction of interest payable on the home loan?
Funding your down payment requirement
In addition to above i would suggest some more way to save tax
BORROWERS INSURANCE ATTACHED TO HOME LOAN
1 some of the home loan company offer borrower insurance under which if borrower died no further payment of emi is taken from the survivors so it is a good insurance devise also. Suppose a borrower take loan of rs 10.00 lacs and after one year he died then rest of the loan woudl woudl be paid by the insurance companies. And survivors woudl be entitled for without encumberance home.
Maximum your tenure
Every assessee should take maximum tenure of loan. As such EMI would be less with .5% higher interest burden. He should deposit the differential [ EMI ON SHORT TENURE-EMI ON LOGEST TENURE ] with PPF. As the interest earned on PPF is same 8% but home loan interest is tax deductible so effective rate is less
For example if home loan interest rate is 8.5% and rate of Tax is 30% then effective rate comes to 8.5%-30% of 8.5% being tax saving
If the assess deposit the excess with PPF then after fifteen year he withdraw the money and repay his home loan he would be saving a lot
Further, with longest tenure his interest components will be more then Capital repayment comp
Cheap UK Car insurance and home insurance quotes comparison
0 comments Posted by Steve Benn at 6:15 AM
Price Watch
Pricewatch is unique one, they are the only broker in the UK that compares its own prices to the whole market to ensure that customers get the best possible rates.- Flexible Instalment Plans – Pay monthly for your car insurance
- Competitive Premiums – Compare motor insurance quotes from leading UK insurers to save you money
- Legal Cover Included – Our policies include legal as standard
- Young Driver Motor Insurance – We specialise in cheaper car insurance for young drivers.
7 ways to save Money on Auto insurance |Best auto insurance rates,quotes and delears
0 comments Posted by Steve Benn at 6:13 AM1st way:
Earn a Low Mileage Discount
Drive a Hybrid
go with $600 or $9,000 Deductibles
Buy Gap Insurance
Protect Your Credit
Earn Renewal Discounts
Insure Your Home and Auto Wisely
Get Real, Competing Car Insurance Quotes From 15 Top-Rated Carriers. Progressive Insurance The Hartford Travelers Insurance Liberty Mutual Insurance Safeco
Here is a list of Top 10 Best Car Insurance Companies
1) Esurance
2) Geico
3) Allstate
4) AAA
5) 21st Century Insurance
6) State Farm
7) Progressive
8) Liberty Mutual
9) Nationwide
10) American Family
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