Is it legal to pay off debt with a credit card?

Have you ever found yourself wondering ''How did I get myself into this debt?'', wishing you had that car insurance before the accident?

Unfortunately, we cannot turn back time, but we can offer you solutions for paying off your debt.

Even though it would be great if we could pay off one credit card with another credit card, that is not exactly the case.

Paying off a credit card with another credit card

This is, unfortunately, not possible. Bouncing the debt between two credit cards may be the simplest solution that crosses your mind, but in reality, credit card companies don't allow you to pay off your balance with another credit card.

Luckily, there is another kind of similar option you might be interested in. We are talking about balance transfer and cash advances – two ways of making that debt go away forever!

Balance transfers

This is a very quick way of transferring your debt from one credit card to another with a lower interest rate. Before you do this, calculate!

Debt transfer to a card that offers you more financial benefit can often hide additional fees and expenses, so you might end up with the same paying amount.

Through this process of paying some benefits, be careful – a lot of people don’t know what exactly they are paying for. Exercise your rights and monitor the Packaged Bank Account situation.

Pros for balance transfers

If you are looking for saving your money in the long run, balance transfers are a great tool! Some credit cards have better reward programs and perks, so don't miss it.

Starting with an interest-free period, credit card companies give you 12 to 18 months to convince you to transfer your balance.

Cash advance

If you are looking for the fastest way out, this is the solution that can help you in your intention.

Considering your line of credit, you can take a cash advance out with the help of credit issuers. Be aware of the fact that borrowing amount will add up to your owing amount at the end of every billing cycle!

This is a solution with a higher risk than balance transfers. However, taking that risk may pay off in the end!

Keep in mind expenses and fees – even though this is the fastest way out, it comes with its price.

Pros for cash advance

As said before, the biggest advantage of cash advances is saving time. This can be done very quickly and you could pay off your debt as soon as possible.

Getting the cash advance immediately can decrease your stress and reduce your worries!

So which one is a better solution?

Considering all the pros and cons of these two solutions, there is no right universal answer. Weigh the relevant factors and consider your abilities.

If you want to pay your debt as soon as possible, a cash advance may be your route. On the other hand, a safer and cheaper option is balance transfers, but they take time.

Your Company Needs A Car, And Here’s Why

Businesses have lots of expenses to contemplate. From tech to new machinery, the list is endless. But, one purchase which doesn’t get the same amount of time is a company car. To most firms, it is a luxury, and indulgence they can’t afford. So, you leave it to the big boys to swan around in their motors and show off. However, prestige and reputation are not the only reasons businesses have company cars. In truth, there are plenty of reasons to consider kitting out the organization with a car. These are the main ones. 

Employee Satisfaction

From a worker’s point of view, a company car is a great addition. Why? It’s because they get a free car essentially. Because the company can claim back the tax, they don’t have to pay for gas. And, they are not going to fork out tens of thousands for the initial purchase because that is madness. Then, there is the cheap insurance to consider, as well as a multi purpose vehicle they can use outside of work. Simply put, a car is an excellent incentive for employees who are high enough up in the firm. If you don’t have the budget to compete with your rivals, this is a fantastic option.

Tax Deduction

“Wait there a minute. Why would you buy a fleet of cars if you don’t have a big budget?” Good question because vehicles are not cheap, especially if there is more than one. However, when a business buys or rents a car, they don’t go through the same process. Because it is for commercial purposes, there are tax deductions which can save the firm money. For example, it is possible to claim the overall cost as a business expense. If a vehicle's price is $15,000, it is $15,000 off the bill at the end of the tax year.

Brand Awareness

Everyone has seen the cars which are full of logos and advertising materials. Gaudy they may be, but they are also effective. People see the cars on the roads and can’t help but notice the brand. Of course, awareness of the company increases as a result. If this is too ostentatious, there is the firm’s reputation within the industry to consider. When you go to a meeting, you can’t turn up in an old banger which chugs and sputters. Instead, a sleek and professional car, like a Range Rover, is necessary to reflect the business. The good new is that Cars & Co Range Rover dealers have the price covered. You just need to make sure you choose wisely for the sake of the company. 

Helping Around The Factory

It is rare to find a business which doesn’t make deliveries in 2017. You probably have a contract in place with a shipping company, but a company car is an alternative. With a vehicle, it is easy to make shipments and deliveries to fulfill customer orders. And, there is the added extra of rolling up in a new whip and impressing your base.

Ultimately, a company car can help everything from the firm’s finances to employee turnover. Therefore, it’s a no-brainer.

Reducing Your Motoring Costs to Maintain the Career Benefits of Vehicle Ownership

The ability to drive is highly beneficial for any career minded individual. Access to your own vehicle allows you to travel to job interviews and affords you a simple and convenient way to get to your place of work each day should you land it. This is a given. However, driving licences and reliable access to a vehicle are rapidly becoming prerequisites stated in employers’ advertisements for staff: owning a vehicle is a personal trait that many employers favour when searching for staff. Increasing numbers of businesses and companies are taking the firm stance of “no licence, no job”. But why? Well, being able to drive shows a certain commitment from employees, as driving lessons are no easy feat and require dedication and patience to reach the point of passing the practical test. What's more? Driving a vehicle implies that you are going to be a more reliable and trustworthy employee, as you have a means of getting to work on time that doesn’t involve the regular delays that come hand in hand with public transport. It also means that you can get to more remote locations that are off the beaten track of train and bus routes. Finally, driving offers a level of flexibility. If your employer requires you to visit clients or different sites as part of your role, you will be able to get there with ease. In this sense, driving is a particularly profitable asset to you as an individual. However, driving also comes with expensive financial costs. You have to tax and insure your vehicle, as well as forking out for insurance policies, maintenance and fuel. But not to worry. Before you cast your keys aside, here are a few tips to make driving affordable. This will allow you to maintain the career benefits of vehicle ownership without breaking the bank in the process.

Choosing a Vehicle

When you choose a vehicle, you need to be logical with your choice. While a brand new motor may seem appealing, it will immediately lose significant value as soon as you drive it off the forecourt. Instead, opt for a second hand alternative. Ensure that you give it a complete check over before handing any cash to the seller. You don’t want to find that it has major and expensive faults down the line.

Car Repairs

Sometimes you will experience minor damage to your vehicle that would prove cheaper to repair independently than through your insurance. So, if your insurance premium is high and you want to maintain your no claims policy, invest in high-quality, reliable spare parts from https://www.partsengine.ca/ and find a reliable mechanic to fit them. This proves much more economically viable.

Insurance Policies

The market for insurance policies is extremely competitive, so don’t allow yourself to fall in the habit of sticking with the same provider out of habit. Alternative providers may have the policies that cover the same aspects of your car’s insurance for a much cheaper price.

Bearing this factors in mind, you will be able to reduce your motoring costs drastically, making driving the most economically viable option to advance your career and incomings.

Here's How Your Car Is Draining Your Finances

Cars are a necessary part of life these days. But even though so many of us rely so heavily on autos to get around each and every day, they are still extremely expensive. There’s just no way car manufacturers are going to bring down their prices! Unfortunately, these high prices are pricing some low-income families out of owning a car. But it doesn’t have to be like that - there are ways you can make a car affordable, even if you are on a very tight budget! Firstly, you just need to know the various ways cars can drain your finances. Once you are clued up on these, you will be able to sidestep them and make driving much more affordable for you and your family.

Buying New

Your car can be a huge drain on your finances before you even get it home to your garage! And that’s because you buy new. Cars are incredibly costly when they are bought new. Even cheaper models come with very high price tags when they are completely new straight from the manufacturers. If you want to start saving money from day one, you should look into buying a second-hand car. Second-hand cars can still be quite pricey, though, especially if they aren’t too old. But you can get a title loan quote online to help you manage the cost. When you do buy second hand, it’s important that you check the car out thoroughly before you commit to the purchase. Otherwise, you could end up being scammed and ending up with a dodgy vehicle!

Expensive Insurance

Even if you have had your driver’s license for years, you will need to insure yourself in your car. This is a legal obligation, and it is illegal to drive without it. Unfortunately, car insurance can be extremely expensive, but there are a few ways you can reduce the cost. Firstly, you should buy a car that is considered safe to drive. Each car is made with a different engine and other features, and these all affect how the car drives and handles. If they encourage the car to be driven at high speeds, then an insurance company will deem it quite a risky drive. Sports cars are often thought to be fairly high-risk because of their large engines. And if you buy one, you will have to pay some very high insurance premiums. So, to keep the cost of your insurance down, try and find a car that is considered safe. For instance, go for a Honda Jazz or a Toyota Prius.

Reckless Driving

When you are out and about on the road, you need to take your foot off the gas as much as possible. Not only is speedy driving dangerous and putting you at risk of ending up in an accident, but it is also increasing your gas bills. That’s because, the faster you drive, the higher your gas bills will be. Your car consumes a lot of gas when you drive it fast, and the best way to save money while driving is to stick to the speed limits. There are a few other tricks that can help you keep your gas bills down as well. For example, taking any excess weight out of the car. When a car is heavy, it needs to use more gas to go. So removing any large and bulky items can really help to bring down your gas bills.

Leaving The Engine On

If you are waiting around to pick someone up, you shouldn’t leave your car engine running. That is using gas all the time, and will only be wasting money! So, if you are ever waiting around in your car, it’s a good idea to switch off the engine, unless you want to top up your tank every other day! It’s also wise to turn your engine off when you are waiting for ages at traffic lights. In fact, some cars now come with a feature that automatically turns off the engine while the car is stationary. The engine then kicks in again when you push the peddle in. Think that turning the engine off so much isn’t worth it? You’d be surprised! In actual fact, some car manufacturers estimate that drivers can save up to $140 a year if you get out of the habit of leaving your car idle.

As you can see, driving and owning a car don’t have to be so expensive. You just need to know exactly how to prevent them draining your finances!

Saving Money On Your Motor

Motoring can be an expensive business and outside of the cost of owning or renting a property, it is the most expensive part of most family budgets. There are, however, many ways in which we can all take steps to be more fuel efficient on the road and to save money on other associated running costs.

Before You Start
A great deal of fuel conservation can be carried out before you even get into the car and set off on your journey. Making sure that your tyres are inflated to the correct pressure isn't just a vital safety element, it will also make your vehicle more fuel-efficient at the same time. Be sure to check those tyres once a week at the very least and you will find that you need to visit the fuel pumps less frequently.

You should also remember to declutter the car and be sure to take any heavy items out of the boot or passenger seats if they don't need to be there. Even the removal of litter can contribute to a more aerodynamic vehicle so remember to keep it clean at all times.

If you have a roof rack fitted to the car then you should remove it unless it is actually in use. This is another contributory factor when it comes to wasting fuel unnecessarily so store it in the garage until it is needed.

On the Road
Our driving techniques help to dictate how much fuel we actually use, even when it comes to the shortest of journeys. Keeping to the designated speed limits at all times will conserve your petrol, as will gentle and steady acceleration.

If you find yourself in heavy traffic and stuck at traffic lights or level crossings for a long period of time, remember to switch off your engine. Idling can drain your petrol or diesel very quickly so turn off the ignition when it is appropriate to do so.

If you have air conditioning in your vehicle then you should only use it when absolutely necessary as this can be another powerful drain on your overall fuel costs.

Shop Around
Comparison sites have become very popular and you can now use them to save money on virtually every aspect of your household budget. The costs of insurance continues to rise every year so use those sites when your renewal comes round and find the best insurer for your needs, based on price and level of cover.

You can get great travel insurance deals here too and you can check on your home and life insurance at the same time. There are also other sites available which you can use to compare the cost of fuel in your area.

A quick postcode check will give you details of all registered providers in your town and you can find the best prices on petrol and diesel at any given time. Regular weekly updates can also be sent to your inbox for added convenience.

Fuel prices and other running costs may be on the increase but that means that there's never been a better time to practise these good habits. By paying attention to regular price comparisons, routine car maintenance and your technique behind the wheel, you can start to make significant savings in a very short space of time.

How to Cut Down Your Car Insurance Costs

Car accidents may happen even in the most unthinkable places and may cost you a fortune, especially if you have not signed the proper car insurance policy. Many people try to get the less expensive policy on the market, but in many cases this is not a wise choice. Read the following
article and you will discover several tips will help you cut down the car insurance costs without sacrificing its quality.

Since the car insurance sector is very competitive, the coverage offer is very diverse; this means that you will have to spend quite a bit of time comparing the various offers, in order to find the best possible one. The idea is to spend your time gathering the best offers, evaluate them, and then to take a decision. Fortunately, there are many websites where you can ask for quotes.

Will the minimum insurance policy be good enough for you? The answer is a sound “no” in most cases. You should not be satisfied with the minimum insurance policy existing on the market, but you shouldn’t choose the most expensive coverage package either. As an example, the comprehensive or collision policies are pretty much useless if the car that you intend to insure
is old. If you do the math, you might discover that the amount of money paid for the insurance policy in 1-2 years would be greater than what you would have to pay for another used car.

If you are interested in getting home insured or life insured as well, ask the insurance company if they also sell car insurance. Having multiple policies signed with the same insurer will get you a good discount from that company.

Actually, many car insurance companies offer all sorts of discounts and it is very possible that you qualify for some of them. Before you make your decision, do not forget to ask the insurer if you qualify for a discount or not. For example, you may get a discount for driving only a smaller amount of miles per year, for being a good student with good marks, or for having a good car alarm.

Your driving record is an important factor that will in the end determine the car insurance costs. If you can demonstrate that your driving history is a clean one and you have not been involved in car accidents, the insurance company will reward you by offering an additional discount. On the other hand, if you have been given a lot of tickets, expect to be required to pay more money for insuring your car. Accidents in which you have been involved speak about your risk profile and will make all car insurance agencies raise their premiums.

The type of car you posses will also determine the final price that will be paid for the insurance policy. Statistics show clearly that some car models are targeted by thieves more often than the others. There are annual reports offered to the public, where you can see if the car that you intend to buy is a preferred target or not.

If you decide to install safety devices on your car, this will also have a good influence on the price that you will be asked to pay for the car insurance policy. So, if the car has air bags, automatic seat belts, anti lock brakes or daytime running lights, you might qualify for an additional discount.

Maybe you have found an insurance policy that you consider to be excellent; however, it would be smart not to renew it automatically. Spend a bit of time each year, comparing and evaluating the competitors’ offers; you might get an even better offer.

Is it Cheaper to Insure an Old or New Car?

One of the main things everyone considers when buying a car is the amount of insurance they will have to pay. This is sensible because there are several costs involved with owning a car, and insurance is one of the main outgoings for most drivers. But is it always best to get an older car that has already been used, or do newer vehicles offer cheaper insurance options?

In truth there is no simple answer. Many people think older cars are automatically cheaper to insure, but this is not necessarily the case. A variety of different factors come into play when an insurer calculates the premium on a particular vehicle. So when you are gauging which car would be right for you, it is wise to do some research before making that all important decision. It will help you work out which car will give you the cheapest insurance policy.

Of course some cars are typically always cheaper to insure than others. The Ford Fiesta, Vauxhall Corsa and Renault Clio are all among the cheapest cars to insure in the UK. There are a number of reasons for this – cheaper parts, lower cost of the car and less power under the bonnet. But the cheaper prices can apply to newer models and not just older ones. Always check before splashing out on any car to make sure the insurance is cost effective. You could actually get a model that is a year or two old covered for less than it would cost to cover a much older model.

There are different insurance policies too though – policies that are often chosen by specific drivers. For example, owners of older cars often opt for third party fire and theft because it is not worth buying a comprehensive policy, owing to the age and value of the car. However, newer cars will often have a comprehensive policy which is pricier. So again you have another factor to be borne in mind. Incidentally, classic cars can also work out cheaper to cover than more modern ones – another fact that may surprise you.

It’s clear that people have to think about insurance as a contributing factor to any car they buy. Shopping around for a new policy can produce some wildly different premiums, but depending on your situation, your age and where you live, you may find it more cost effective to buy a newer car. Cheaper premiums are also available if your car is kept secured in a locked garage overnight, as you’ll see if you specify this in a quote.

Whatever car you end up with, there are other ways to bring down the cost of premiums if you have more than one car in your household. A multi car insurance quote is a good way to find out how much cheaper your insurance could be for all the vehicles covered. This applies both to used cars and to brand new ones.

So whatever you would like to drive around in, a little research will allow you to make sure you are able to get the lowest possible insurance quote you can.

Jamie Monteath is a freelance blogger who runs his own finance blog at http://finance-blog.co/. He has had his work published on other finance sites regarding several finance subjects ranging from personal finance, getting a multi car insurance quote and other insurance related topics.

Car Finance Tips

Cаrs аrе much-nееdеd asѕеtѕ іn todaу's wоrld. Cаrs mаke trаvеlіng frоm onе рlacе tо аnothеr соnvеnіеnt. Thеy оffеr соmfort аnd ѕеcurіty. There аrе mаny fасtоrѕ іnvolvеd in thе purchaѕе of thе cаr. Thе еntirе prоcesѕ оf buуіng a car сomрrіsеѕ of thrее stagеs. Fіrѕt ѕtаgе іѕ thе pre-purсhаѕе ѕtagе. In thіs stage, the individuаl iѕ yеt to dесіdе the ѕpecifіcs оf the car. Prе-purсhаѕe ѕtagе іnсludеs budgetіng, reѕеаrсh; сomраrаtivе аnаlysіs еtс. ѕeсоnd ѕtаge in thе рrосеsѕ іs thе nеgоtіаtіоn stаgе. Onе maу соnѕider fіnаnсе орtіоnѕ іn the negоtiаtіon stage. The fіnаl stagе of the proсеѕs іѕ the рurсhase. Hеre, аre ѕоme tіpѕ that cаn hеlp аn іndіvіduаl іn ѕelеctіng арt cаr fіnanсе.

It іs diffісult fоr а соmmоn реrѕon tо makе one lump ѕum рayment tоwаrdѕ buyіng a car. Cаr dеаlerѕ аnd agеnсіеs, therеforе, prоvidе fіnаnсe орtiоns to fаcіlіtаtе the рurсhaѕe. One cаn ѕесure сar finаnсе through dealers, іndерendеnt аgеnts and gоvernment or prіvаte fіnаncіаl іnѕtitutіons. Onе muѕt аlwауѕ rеѕеаrсh thоroughlу bеfоre optіng for autо fіnance. Car dеalеrѕ аffіlіаte thеmselveѕ wіth cеrtain fіnаnсіal instіtutionѕ henсе; thеу mаy rесommend thoѕе іnstіtutiоnѕ onlу. Onе muѕt rеseаrсh onlinе аnd оther ѕоurсeѕ tо find thе bеst deаl. Rеаd the finаnce offеr dосument саrеfullу. Dо not miѕs оut the finе print. One muѕt clarifу anу doubtѕ that hе or ѕhе mау havе іn terms оf finаnсe oрtіоnѕ. It іs beѕt to hаve а fаce-to-facе соnvеrsаtіon wіth the reрreѕentаtіvе from thе finаnсе comрanу. Suсh mеetіngѕ fасilіtatе a twо-waу іnterаctіon аnd еlіmіnаtе аny еlementѕ оf dоubts.

Onе muѕt undеrѕtand іnterеst сalсulаtіon on the lоаn amount. It is a fantaѕtic іdеа tо aѕk for а ѕamplе аmоrtіzatіоn ѕchеdulе fоr thе loаn amоunt. One must аlso сhесk what arе the еxеmptіоnѕ prоvidеd bу thе fіnаnсe cоmраnу іn саѕe of unеmрlоymеnt, раrtіal оr cоmpletе dіsаbіlitу оr anу other unfоrеѕееn еvent. Onе maу аlso сonsіdеr lеasіng оut орtiоn іnѕtеаd of аvaіlіng саr finanсе. Lеаѕe hеlрs іn rеducіng thе equatеd mоnthlу installments. Onе must nоtе that ownеrѕhіp of the car lіеs wіth the dealеr in сase оf a leаsе. It іs сruсіal tо chеck thе сredіbіlity of the рrіvаtе fіnаnce сomрanу befоrе ѕigning thе аgrеement. Onе must сhесk thе recоrd оf асcоmplіѕhmеnt of thе finanсiаl instіtutіon аnd chеck the consumеr fеedbaсk about the ѕerviсeѕ providеd. It іs alѕo еѕѕеntіаl tо nеgotiаtе terms befоrе ѕigning thе dotted lіnе. Nеgotіatiоnѕ help іn gettіng thе bеѕt deal. Thеѕе baѕiс tiрs сan helр іn avоidіng fіnancе ѕwіndlеs аnd fraudulеnt соmрanіeѕ.

Thiѕ iѕ а Guеѕt Poѕt bу Lіѕa Colасо whо сurrentlу blоgѕ on vаrіоus hеаlth blоgs. She even hаѕ a соld ѕorеѕ blоg whiсh prоvidеѕ qualіtу informаtiоn аbout cold sore remedies and cold sore treatment

Do Some Spring Cleaning to Your Auto Insurance Policy

As the weather gets warmer and the spring driving season comes around once more, it is a good time to reevaluate your insurance needs and what you are paying for coverage. If you're a good driver who has been with the same company for years, you may be surprised to find that you're being seriously overcharged. Since auto insurance is a major expense, it never hurts to take another look at your current policy and look for savings.

Shopping Around For New Insurance

If you're happy with the service your auto insurance company provides, it may not occur to you to look around for a new provider. This may be a major mistake: you could be paying hundreds of dollars per year more than you need to be.
Because the auto insurance industry has become so competitive in recent years, your provider's competitors may jump at the chance to offer you a lower rate. If you navigate to an insurance website and build a policy that resembles your current plan, chances are you'll be rewarded with a rate that's 20 to 30 percent lower than what you currently pay.

Re-Assess Your Coverage and Deductibles

If you haven't paid much attention to your auto insurance policy recently, it's likely that you're paying for coverage that you don't need. First, make sure that all of the cars in your household are noted on the same insurance policy, a move that could save you hundreds of dollars per year.
Next, consider increasing your deductible if you have a clean recent driving record. You'll pay much less for insurance if you carry a higher deductible, which can really pay off if you stay out of driving trouble. You should also consider dropping certain coverage if you determine they're not needed. For an example, if you have an older car, you may no longer need to pay for collision and comprehensive coverage.

Make the Call

Sometimes you don't need to change your coverage to get results - just call your current provider and ask if they can lower your rate. If you haven't talked to them in a while, this may convince them that you're serious about switching if a good enough deal presents itself. A frank conversation may just land you a new policy whose premium approximates the deals you got when you shopped around.

Bundle and Save

Finally, you may want to consider taking out all of your insurance policies--auto, life, home and health--with the same provider. Many insurers offer discounts for insureds with multi-policies. This can reduce redundancies and can save you up to 50 percent on your total insurance bill.
With these tips in mind, doing some spring-cleaning to your policy could net you some real savings.

Jason Nelson authored this article for DiscountCarInsuranceQuotes.net where drivers can learn more about car insurance discounts and obtain free quotes to shop and compare rates from leading insurers.

Find a suitable auto insurance fo you ......

We all want to buy one car in our life. But after buying that car we need to pay lots of money to maintain it.
But if we will go for auto insurance that will be better for us. For this auto insurance we need to pay a minimum amount per year as a premium. But then also one question may arise that there are lots of insurance companies those who are providing auto insurance. But which one will be best for you? So, the answer is here. Have a look in this below video where you will find some easy way to search your best auto insurance from the available insurance companies in this present market.


So, where is your comments regarding this video? Was it helpful or not. I am waiting for your suggestions & feedback.