While a majority of drivers are confident that they really cannot cause any damage to their own vehicle when at the wheel, the propensity to cause an accident has a 1 in 10 chance, within a decade of plying on the roads. It is important to note that automobile collision insurance depends primarily on the habitual makeup of a driver who frequently drives during night or even in areas prone with drunken driving. All these factors are seen as risk factors which have a bearing on the amount of automobile collision insurance. More so when it concerns a costly vehicle, collision coverage makes good the loss incurred by an accident.

Making the most of combined coverage

There are many insurance companies who offer discounts on the premise of multiple policies. Owners who have their eyes and ears open to such options can avail the benefits arising from a combination of policies such as auto insurance when combined with life insurance policies. In the event, the company does not offer any discount, it is a worthwhile move to check out other companies for car insurance quotes.

Safety measures – a definite cost saving

Better to be safe than to be sorry! Akin to this concept, cars fitted with safety devices attract lesser premiums when compared to their other counterparts. Auto insurance companies always pay a lot of attention to extra fittings when they compute the amount of insurance premium. Vehicles fitted with safety devices like alarm systems, anti-theft systems and automatic seat belts are prone to saving huge sums of money. Car insurance Australia will definitely not be an exaggeration to say that safety can indeed reduce costs, in more ways than one.

Deriving benefits from other discounts

It is all about saving driving dollars by making the most of positives. The following positives definitely work in favor of the owner to strike affordable car insurance. A senior citizen who has a clean driving record or even teenagers who have successfully completed a driving course initiated by a certified program warrant lower insurance premiums. But it is in the best interest for the owner to pose questions which will help him save money.

Unwarranted coverage best avoided

Introspection works best when planning to insurance an old vehicle. It also helps uncover certain facts which will have a bearing on the type of policy that can be finalized.

Having said this, while it is inevitable to proceed with car insurance, the owner needs to bear in mind the monthly expenditure that will be incurred as part of insurance premium. Therefore, it is in the best interest of the owner to ask pertinent questions which will prove beneficial in avoiding unnecessary costs – more so whether it includes the amount totaled because of damage history in the event of an accident. A word of forethought comes in the form of a suggestion to say that there are always options to arrive at a minimal insurance. It is for the owner to identify the best policy while adopting an open mind towards umpteen cost saving insurance alternatives. Click Here to know more.


Everything You Need to Know About Drone Insurance

by Allan Gray on

Unmanned aircraft, also referred to as drones, are becoming increasingly popular. This includes both personal and business use.


With improved technology and affordable models, the use of drones has expanded into a wide variety of industries. They are often used for aerial photography, in agriculture, and by first responders when responding to a fire or major disaster.

If you are thinking about buying a drone, you should make sure that you have drone insurance. Just as you would get insurance for your automobile or any other major purchase, drone insurance offers protection in the event of damage or theft.

Learn more about drone insurance, including the various types of policies available and the benefits of getting insurance for your drone.

What is Drone Insurance?

Drone insurance is used as coverage in case your drone is damaged or causes damage. This is especially important when you use your drone for commercial purposes. You may be flying your drone over residential areas.

If it happens to crash into a house, a vehicle, or a person, then you will be responsible for any damages or injuries. Having insurance will help you avoid having to pay out of pocket for these expenses.

When you have insurance, you get peace of mind. You get to relax knowing that you are protected if damage occurs. As you begin exploring different types of insurance policies for drones, there are a few factors that you will want to pay close attention to:

  • The coverage amount
  • The covered territories
  • The insurance rates and premium
  • The range of coverage

The coverage amount refers to how much the insurance company will pay out in the event of an accident. The covered territories are the regions or countries where you will be flying your drone. The rates and premium determine out of pocket costs. The range of coverage explains the conditions during which the insurance company will pay out.

What Types of Policies Are Available?

When you get drone insurance, you will need to choose from a few different policies. The policies offer various types of coverage, including coverage for damage to your drone and damage to third party property.

Most insurance policies for drones start at $1 million. You will need to determine whether this covers damages during flight or while grounded. Also, you should find out if the policy includes coverage for personal injury and damage to property. The range of the coverage will depend on the insurance provider that you choose.

Along with the range of coverage, you will need to look into the coverage area. Your policy may include worldwide coverage or solely provide coverage in your state.

When Do You Need Drone Insurance?

Anyone that wants protection while operating a drone should think about getting drone insurance. These are expensive pieces of equipment. Even basic coverage for your drone can be a life saver in the event your drone is stolen, vandalized, or damaged.

When you use your drone for commercial purposes, additional coverage can protect you in the event of damage or accidents. For example, if your drone crashes into an object and causes damage to private property, your insurance could cover the cost of repairs.

In addition to insurance, you may need to register your unmanned aircraft with the FAA. Your drone is considered an unmanned aircraft system (UAS) by the FAA (Federal Aviation Administration) if you meet the following:

  • Your drone is for commercial use
  • You use drone for anything other than recreation
  • You plan on using your drone outside of the US
  • Your drone weighs more than 55 pounds

This registration is required, but it is subject to change. It is a good idea to check with your local, state, and federal regulations before operating your drone outdoors. In some regions, you may even need insurance before you can fly your drone.

How Do You Get Drone Insurance?

In order to get drone insurance, you will need to contact a dependable insurance company. Discuss your insurance needs with one of their agents.

When you talk to an insurance agent, you should explain the type of drone that you have and what you use that drone for. This will help the insurance agent understand what type insurance policies will be suited for your needs.

They will be able to provide you with multiple options. While discussing these options, talk about insurance rates, liability limits, and other details.

Final Thoughts on Drone Insurance

Depending on where you live, drone insurance may not be a requirement. But, it can be incredibly beneficial. When you have insurance, you are protected in case your drone is damaged or causes damage.

Make sure that you learn more about the different type of policies, when you talk to an insurance agent. Check local, state, and federal regulations concerning insurance for drones. Also, remember to register your drone with the FAA if you are not using it for recreational purposes.

If you have not yet purchased insurance for your drone, then consider contacting an aviation or drone insurance company today.


When it comes to investing money, there is always some element of risk involved, which is why it is vital to reduce this risk as much as possible by making educated decisions about what to do with your money. Making investments that will be lucrative for you is always important but how do you know what investment will work for different people? The best thing to do is get some advice from a reputable investment specialist and it is a good idea to take advantage of specialist online tools that can help you to assess how much risk is involved before you make the investment.

Financial Advisors

These tools help you to estimate the risk involved by asking you a few questions and this type of handy investment risk profile tool can be found online on company websites that specialise in everything from pensions to investments. You will need to speak to a financial advisor before making any type of investment and they will also be on hand to help you to understand exactly how much risk is involved before you make an investment.

A financial advisor will be able to give you advice about which investment will best suit your financial situation but if you use a risk assessment tool as well, they will also be able to help you to identify investment opportunities that specifically match your needs and your requirements.

Risk Assessment Tool

Here are a couple of the things that a risk assessment tool will do for you:

  1. Assess your attitude associated with investment risks
  2. Match your attitude with suitable investment opportunities

Any good financial advisor will ask you to use a tool like this in order for them to work out which investment opportunities will best suit you.

Below are a few examples of the types of questions that you may be asked during an assessment:

  • Your age
  • How long you want to invest for
  • What your objectives are
  • How much knowledge of the investment sector you have
  • How much of a risk you would be prepared to take with your money
  • What your approach is when it comes to taking financial risks

They will also likely look into what your financial situation is, by asking questions about your savings to learn more about whether or not you have other finances to call upon if you were suddenly faced with an emergency situation in which you needed access to money quickly.

By answering the questions put to you, buy a risk assessment tool, you will get a better idea about what your attitude is to risk and this is vital before you make any type of investment. Also getting your overall financial situation assessed before making an investment is vital and all of these things can be done successfully with some advice and direction that can be provided by a financial advisor.


Discovering Tribal Loan Lenders

by Allan Gray on

Trying to navigate the waters of receiving a loan can be very tricky. If you are looking for a lender to make the process run much smoother, you may want to find out more about tribal loan lenders.

What Are Tribal Loan Lenders?

Tribal lenders are lenders or companies in American Indian reservations or owned and run by an American Indian community. Since American Indian reservations act as their own sovereign territory, you’ll be dealing with a different process of receiving a loan than you’re used to.

Tribal lenders can lend to whomever they please. Whether they would like to lend to tribe members, non-tribe members, or both, they have the options available. They are not restricted by as many of the same rules and regulations that state licensed lenders are. This gives them more freedom to run their loan services how they see fit.

Loans for Tribe Members

Within a tribe, the tribal lenders may be working with the tribe’s government to be able to provide loans that fit the needs of the tribe itself. This allows the tribe to prosper and get through whatever situations may happen because they have a tribal lender to help pull them through rough spots.

These tribal loan lenders can act as pretty typical lenders, providing services like credit counseling, home mortgages, land financing arrangements, long-term financing, short-term financing, and things like personal loans. There’s no rules saying they can’t provide the same services; they just get a bit more freedom.

Loans for Non-Tribe Members

It is good to be cautious when looking to borrow from any lender, tribal or not. With tribal lenders, keep in mind that they do not follow the same regulations as state licensed lenders, so not all of the rules you’re used to seeing will be followed. This can be beneficial or negative depending on the lender you choose, just consider who you choose carefully.

Regulations on Tribal Loan Lenders

It is true that tribal lenders don’t have to follow every state regulated law, they do have to follow federal laws for lending activities. This means that any federal regulation will still hold true if you go to see a tribal lender, even if the state regulations are different. The reason tribal lenders don’t have to comply with all state regulations is because they act as their own sovereign territory and are able to govern themselves, meaning they make most of their own rules.

Personal Finance Ideas That Help the Most

by Allan Gray on

There are things you can do to improve your personal finances, and even make your retirement possible. This article contains ten common sense personal finance ideas that could power you through to your financial goals.

1) Find a way to save, invest, and earn what you need. You can volunteer for overtime. You can search for part-time, casual, and seasonal employment. Could you get a less expensive home closer to work? Get good (for real) at work that most people aren’t good at. Become the “go-to” person at work.

2) Get out of actively managed funds. In Money mastery, Tony Robbins explains beyond a doubt, you want index funds, not managed funds. You’ll save tens of thousands in fees.

3) Buy an annuity or two from Vanguard. Vanguard offers very low fees. Why give retirement funds to a salesman? If you are worried about retirement income and/or young, it’s a good idea to have an indexed annuity or two that mature when you are 75, 80, or 85.

4) If you have extra funds that you could afford to lose, consider speculating in individual stocks. If you have market experience, are smart, and are willing to learn, you could search for stocks on your own.

5) Invest at least half of all pay increases. If you’re young, this one makes all the difference.

6) Back to saving. Eat cheap most of the time. Go to a discount outlet (or farmer’s market) and buy produce, bags of salad, ravioli, chicken, tuna, and staples. It won’t hurt your health.

7) Resist pressure from salesmen, bad “councilors,” phony friends, and TV to put on the dunce cap. Be wary of trolls making problems in your circle or at work.

8) Buy protective “puts” for large or risky holdings. A related rule is to “play with the house’s money.” That is to take your principal and leave profits invested.

9) Take the long-term view. Maintain a short-term focus and a long term vision. Ask yourself where you’re spending, employment, investing, and how you spend your spare time are leading you long-term.

10) Choose to give your brain a work out. Ask yourself questions like:

– How can I afford it?

– Why not?

– What if?

– How can I _____?

– Is there a better way?

Mark Rotstein can handle the management of household staff, create budgets for the family, take care of banking and bill paying, manage family properties, and educate family members on investment and estate planning.

Waiting to save – what’s the cost?

by Allan Gray on

Whether you want to save for your retirement, a child’s education or an overseas trip, starting now can significantly reduce the cost of reaching your goals. Each month that you put off saving in favour of spending either increases the amount that you’ll have to save in the remaining months, or pushes out the date at which you’ll reach your goal. This is true regardless of what product you choose, whether it is a retirement annuity or a unit trust or a tax-free investment account.

For example, ifinvestments are returning 9% per year and you need to meet your objective in 10 years’ time, delaying saving for just 18 months will increase the amount you need to save per month by more than 25%. In addition, if your timeframe is five years, an 18-month delay results in more than a 50% increase in the amount you have to save each month.

“With less time on your hands, the cost of a delayed start is naturally even more pronounced,” according toShaun Duddy, a business analyst at Allan Gray, and independent African investment manager.

“Starting to save earlier allows you to extract maximum benefit from the power of compounding,” says Duddy. “However, investors often have concerns about when the right time to invest is.”

While it’s true that you receive better value for money if you invest after the market has fallen, rather than at its peak, this doesn’t mean that you should put off saving if you’re unsure what the market will do next.

“In all but the most extreme situations, the cost of putting off saving exceeds the benefit of starting at the bottom. This is because even money that has decreased in value is a better contribution to a long-term objective than money that has been spent on short-term gratification. The right time to save is now. You can’t get time back once you’ve spent it.”

A key step when choosing your investment is to consider your risk profile and priorities and then to stay invested to reap the benefits, Duddy says. You may be tempted to time the market by investing into a money market fund for the first few months of saving and then switching into another fund, such as an equity fund, when you think the market looks more attractive.


While you may be able to make some gains by starting in this way, if these first contributions are a small percentage of your total contributions, the overall effect at the end of the investment term is likely to be small. This small benefit comes at the cost of having to carefully research and monitor the market and a selection of funds and then making a call when you believe the time is right. However, with no crystal ball available, you run the risk of mistiming the market and benefiting even less from your strategy.

Even more dangerous is an ongoing strategy of trying to time the market, says Duddy.  “Switching can significantly detract from value, and in discretionary investments, switching can trigger capital gains tax. Once you’ve chosen an investment, your ability to make the most of it depends on whether you’re able to remain committed for long enough to benefit from the potential returns, ride out the inevitable short-term ups and downs and allow the power of compound interest to increase the value of your money over time.”


Thandi joined Allan Gray in 2008. She is a senior member of the distribution team having previously worked in legal and compliance and marketing in the financial services sector. Thandi completed her Masters of Business Law at the University of KwaZulu-Natal and is an admitted attorney.

Urgent cash needs are baffling! Out of the blue, you need the money, but it is too fast to arrange anything. Your bank account needs replenishment; or, it may be inaccessible for the moment. Maybe, you have the cash, but spending it now makes it hard for ends to meet. What are your options? You need money now! Seeking to borrow it from friends and relatives is not an easy option always. Selling away something valuable to recover the cash is neither a decent choice. Big banks would not lend money so fast. The hidden stash is exhausted already. However, if you cannot meet the monetary requisite, everything is going haywire. Look up online money-lending avenues. Short term loans are available fastest.

What is it? 

Short-term finance refers to the loan you can secure fast, and also, you must repay it as fast. Licensed financial services offer credit in the UK. Complete professional assistance is available immediately at the click of your cursor. Such a service can guarantee immediate assistance, given that your requirement is not above the ceiling. All you need is to be sure that proper financial planning would clear the loan within the assigned tenure. Depending on the circumstances, you have tenure between 3 and 12 months for clearance. General eligibility criteria for securing short term loans include an active bank account of UK citizenship, regular income assurance, and age above 18 years.

The process

A service typically lends out a sum anywhere from £100 to £1000. The procedure is simple. Just visit your preferred website. Check out the details. Convinced, you register with a personal password. Select on the amount. Fill out a brief application form. The service conducts a verification check of your assets, bank balance, and credit score. Usually, the verification is over in 2/3 minutes! The money deposits directly in your bank account on agreed terms.

At the termination of your loan tenure, the repayment amount with calculated interest is conveniently deducted from your bank account to the lenders’. Companies hire short term loan brokers to facilitate transactions with you. Helpful brokerage agencies do not charge extra for their service.

The interest rate

The most crucial criterion is definitely fast availability of funds. However, obtaining funds is only half the story. The other half completes when you deliver full payback on agreed interest rates. Now, a key precondition of obtaining such fast cash is the relatively high APR and interest rate. Typically, a service seeks more than 300% in Representative APR. Furthermore, APR is variable without notice and you must comply. Such a high APR can be unnerving, but you can relax in the knowledge that the advertised rate is variable according to individual circumstances. It can as well be lower for you, to make sure the lender gets back the money comfortably.

Check out a suitable professional service for credit in the UK. Verify if they are proper licensed services. Check out the FAQs and talk with support staff. Discuss your requirements in details. See how soon they can work out a mutually convenient solution. Clarify all queries such as customer care timings, loan deferment, and credit score viability. Ensure full electronic safety of transactions. Once assured, procure the funds and save your urgent needs.


Are you interested to be at the top of Google result pages? Of course, yes, every online business owner is competing in the race to rank their sites higher in the Google. Being a popular search engine, Google is the most widely used search engine all over the world. From the Google perspective, if your site is SEO optimized, then it will remain on the top of the search engine, getting a higher rank in the SERPs. There are many techniques or practices that you can do to reach your SEO goals.

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However, there are a few techniques that the Google does not like at all, so, you must avoid them. That is why; every business holder wants to hire the services of an SEO company so that they might not adopt any bad SEO strategy to harm their business’s reputation and visibility. So, let us start with some SEO techniques, which must be neglected at any cost:

Auto-generated content

Content is the king. Search engines are all about the satisfaction of users. It means that when a user comes to any site, if he or she is not able to find the satisfactory content, then they might leave the site or skip to another. It will affect your search engine ranking. So, you need to have a unique content, which must be written by professional and talented writers.

Instead of getting the help from content writing services, business owners generate the content using the machines or tools. This leads to the generation of span content, which will kill your website greatly. So, it is important to have content on your site, which is of high quality and seems interesting to the visitors. For this, the content writing services are available to hire.

Misuse of the anchor text

Search engines used anchor texts to decide on the website relevancy, a while before. Now, the anchor texts can be used to check sites for different purposes, like keyword stuffing and spamming. Many business owners link with other sites using the same anchor text again and again. This way, most businesses are fooling the search engines. If they get noticed, then the Google will penalize those sites. It is necessary to make use of variations of different anchor texts. Many times, business holders are not sure of using those Google SEO techniques, and then they love to hire the Google SEO Singapore services, which can help them in raising the sites, using proper keyword stuffing in a variation manner.

Poor and improper link building

Links are the recommendations. The more chances you will get strong reputation in the online industry, if you have more high quality links.  Stop linking to unrelated sites, which is the most common mistake ever made by some business owners. Using the low quality or unrelated links might make your site go down. Are you worried about where to get high quality links? If you have hard time in getting the high quality links, then consulting a SEO provider will actually give you the sense of satisfaction.


by Allan Gray on

There are numerous options for choosing the good money lender in Singapore. One can look for a money lender for their financial concerns and satisfy their requirements easily. But for this to be possible, consider the following factors so that you effectively choose the best money lender Singapore:

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  1. Registration certificate

Before transacting with a money lender, it is crucial that you recognize them and find out about their registrations. Do not take a loan from an unregistered money lender as it might turn out to be very risky for you. Registration assures reliability and credibility of the money lender. Thus, before transacting, check the original registration certificate with its due date of validity and then only go ahead.

  1. He should hold a reputation

Asking your friends and neighbours can help you find which money lender would be more reliable. Consult someone who has already approached a money lender before. Thus, as for their feedbacks about the money lender you are thinking to borrow loan from. If you get positive feedbacks, you can go for further transactions. One can also check the reviews of the lender through online reviews. A reputed lender can be trusted in various factors like loan repayment, interest rates, etc.

  1. Interest rate

Before you agree to the interest rate asked by the money lender, find out the prevailing rate in the market. This will make you sure that you aren’t charged a higher amount than the prevailing one. Also, compare the effective interest rates of different money lenders and select the most economical lender.

  1. Go for the best deal

Search for a number of money lenders. Make a list of those you think will be reliable enough. Check all the services provided by each of the moneylenders. It is better to approach a lender near to your home or the workplace. This helps you create a better contact.  Then compare the services provided by each of the. Also, see if you can trust them for future. Keeping numerous factors in mind go for a lender who is providing you best and number of services as compared to others.

  1. Ask questions

You can ask those questions and enquire about their services. Asking questions about their company will help you understand better about the money lender and help you understand various factors about the money lender. The money lender who is able to convince you in a better way can be opted by taking a loan. Once you have considered these important factors, by now you might have chosen the most appropriate money lender for yourself.

Always remember, when you have chosen your best money lender, make sure you pay him the amounts on time to avoid creating of confusions and chaos. Maintaining a good relationship with your money lender ensures that the money lender is likely to provide all the services as promised.

With numerous options of money lenders in Singapore, one can opt for the best deal within a short period of time.


Embarking on a Website Project

by Allan Gray on

Today, everybody has a solid need for internet openness for a day by day work. The Internet is one of the propelled advances and correspondence ways. The Internet is only a combination of different websites covering all parts of human life. Where there is a website; web hosting is likewise alongside it.


In building a website, it’s generally a savvy move to around appraisal the expenses. The greater part of new substance arranged websites without online nearness, expenses are commonly least. However, for Ecommerce websites who are propelling to the web to amplify deals, the costs in setting up a website is fairly high. Arranging is certainly required concerning stores in order to settle on rushed choices about what to wipe out for a later period.

The larger part of little scale websites rely on upon natural advancement. These websites develop on a slower speed than websites that begin with huge website hosting project capital. Then again, dangers are much poorer if there should be an occurrence of natural advancement if the website neglects to work.

The web improvement or coding costs are frequently the biggest out-of-pocket expense for organizations and people. For individuals who know about the advances, they can set up the website themselves, so costs are for all intents and purposes zero however not contemplating the time spent on making the pages.

Hosting expenses ought not to be disregarded for significant websites working together on the Internet. Being tight on website hosting may prompt lost deals as a result of misfortunes showing up out of server downtimes and lost or unsteady data. Domain enlistment costs are reasonable for as low as 10 dollars. Hosting expenses can be as moderate with just 5 dollars a month for little websites with low movement while high activity websites request several dollars a month. Free hosting is not fitting following the downsides to dwarf the benefits of not paying a penny.

Internet advertising costs are reasonably cheaper and successful contrasted with the customary promoting mediums, for example, a large TV, radio and print media. Then again, rivalry powers advertising prices to get higher. Case in point, if your website is in the personals class, you can expect a high cost of showcasing. Fetched per click expenses can be as much as $0.65 to $5, the same with a cellular telephone deals website.

Including an Ecommerce constituent can push your costs higher if you’re not wary. There are costs related to dealer accounts, setting up some good shopping baskets, tolerating installments through the website and other support bills. Extortion is another key cost that is much of the time dismissed by new Ecommerce websites. A solitary fake chargeback can devour benefits created by moths of offers. It’s critical to appraise the expense of setting up a website for your business. When you have the evaluated expense and you have decided the website’s principal reason for existing, you’re more than prepared to build a brilliant site for your business.