Can age of the owner decide the premium price

Can age be a deciding factor for premium cost of car insurance policy? Yes, can increase or decrease your premium cost as per the terms of insurer. Formerly, average premium for women drivers over 60 were comparatively higher than men. Everything else was same. And the reason behind this peculiarity was explained by insurers. Women at this age drive because they do not have any male who can do the driving for them. That is the reason they are more likely to meet with major accidents. It was the most strikingly odd explanation for this discrimination price on the basis of age. In general, young female drivers pay higher premiums because statistically most of the fatal accidents or rash driving incidents reported were against people below 25. So, owners who are below the age of 25 years are considered to pay more premium cost. It is an obvious reason to apply such pattern. Given facts make it easier to understand the reason.

·         Around 20% of the drivers meet with accidents in their first year of driving.

·         According to a report, at least one driver below 25 was involved in 30% of major road accidents.

·         In 2015, more than 74 teenagers were killed while driving, and approximately 950 got seriously injured.

Although young females are considered as better and safer drivers than males but since the gender factor is out of the equation now, so premium costs will be the same for both of them.

What is Chapter7 Bankruptcy

As the name implies, the law of chapter 7 bankruptcy is contained in chapter 7 of the federal bankruptcy code. It is termed as ‘straight bankruptcy’. It provides an opportunity to the consumers to discharge their unsecured debts. It is a selling or liquidation proceeding in which the debtor’s non-exempt assets, if any are sold by the trustee and distributed among the creditors according to the priorities decided in the code. In most consumer cases, all the assets are free from obligation and therefore there are no assets to liquidate and there is no dividend to creditors. It is generally the easiest and quickest way of declaring bankruptcy and is easily available to individuals, married couples, corporations and partnerships. Common debts eliminated by filing for chapter 7 bankruptcy are credit cards, medical bills, personal loans and mortgages. At the time of filing chapter 7 case, all of the debtor’s property is temporarily supervised by the bankruptcy court and a case trustee. A bankruptcy attorney will help you to classify that which property comes under exempt property and which one under non-exempt. Exemption laws vary depending on which jurisdiction you live in.

Although a bankruptcy will stay with you on your credit record for a long time, the time to complete the chapter 7 bankruptcy processes, from filing the case to get final relief from debt, takes about 3-6 months. So, the compromise is a lasting impression against your credit which gives a freedom from most of the debts. Most state exemptions have very easy rules so that most things you own will be free from obligation from bankruptcy. Sometimes, it is allowed to keep more of your property than you need. Additionally, you will keep getting the salary or wages that you earn and the property you buy after filing for chapter 7. Your credit cards probably got you in this situation, so it is hard to see that as a bad thing. There are some lenders who specialize in lending to ‘bad risks’ although that is unfair characterization to make of someone who is trying to solve financial difficulties.

Now you can start rebuilding your credit sooner after declaring bankruptcy. Although, chapter 7 bankruptcy can be filed once in every six years, each filing appears on your credit record. Short of a court order from family court, nothing else will relieve you of your alimony and child support obligations. There is no way to get rid of student loan debt, and at least bankruptcy will save you from aggressive collection process of your lenders. Chapter 7 does not have any criteria for you to have debts of a certain amount in order to file for relief.

Can creditors take my pay check?

·         No, they cannot. Your wages won’t be garnished right away.

How will it impact on my credit score?

·         In this situation, you may be concerned about how to protect your credit score. Bankruptcy does have an effect on your credit score but not as bad as you might expect.

How much will it cost to file chapter 7 bankruptcy?

·         It will cost around $350 in filing and administrative fees.

Can I sell any of my property after filing for chapter 7?

·         Without the court’s consent, you cannot. Bankruptcy court will have the complete control of your all financial affairs.

Can I pay back family before bankruptcy?

·         No. Bankruptcy laws are set up so that you cannot treat one creditor differently than others.

How much will it cost to file for Chapter 7 bankruptcy?

Every individual who is thinking to file for bankruptcy needs to get an idea about the cost. After all, bankruptcy is a bad financial phase. A filing fee needs to be paid while filing for bankruptcy. For a chapter 7 case, the fee is around $350. There might be an additional fee of $15 to $20 which needs to be paid to bankruptcy. You may request to pay the filing fees in instalments, most courts will allow it if you can show it would be a financial deprivation to pay the complete amount at once. If you file under Chapter 7 and later convert to chapter 13, you won’t have to pay any extra fee. Aside from the filing fees, you will be required to obtain credit counselling that costs in between $60 to $90, depending on where you file.

You can file without the help of an attorney but the success rate is not good. Under chapter 7, you will forgo all of your non-exempt property to the bankruptcy trustee. Bankruptcy exemptions differ by district and some are more lenient than others. The trustee will sell that property and use the takings to pay your creditors. Once this process will be over, your remaining unsecured debt is discharged, which means it is forgiven. When you file under chapter 7, you will generally have to pay up-front. Across the country, the average attorney fee for a chapter 7 case is $1200. That cost may differ notably from the market. It might be possible that you will have to pay more in a metropolitan city than in a comparatively small town. Your fees might get affected by the complications in your case. One major thing, attorney fees are public record. We now know that attorneys may charge more for complications.

In every state, low-income individuals can get free legal help. If you are filing for bankruptcy or struggling with debt, you can get free credit counselling services.

The Aspinall Maestro Card

www.savinggorillas.com

About Website: Aspinall maestrocard is a prepaid card like pay as you go mobile phone and can used for online shopping, shop through mails or phone, and at the stores where mastercards are accepted. The money earned through these mastercards is used to spend for saving gorillas.

Online Since: October 11, 2007.

Technical Info: Apache server based website which requires active jscript and flash installed.

Whois Info: Available.

FAQ's:

Q: Had anyone heard of this Aspinall Maestro Card I want to know why is this card used for?

A: Saving gorillas card is a prepaid card like pay as you go mobile phones and you can spend the amount topped up in your aspinall maestro card. Your name and pin number is personalized with your card. You can also check your balances and transactions online with shopping worldwide maestro cards are accepted.


Q: Where can I contact for aspinall mastercard customer services?

A: You can call at 0871 641 9981 or submit your queries by visiting the website www.savinggorillas.com 'contact' page at the top right of the homepage.


Q: I want to apply for the savinggorillas foundation master card. What must be the requirements for applying for aspinal card?

A: For applying for the aspinal gorillas master card you must be the resident of the UK and above 18 yrs of age.


Q: How can I be able to activate aspinal foundation maestro card?

A: You must login to your aspinal card account by clicking at the link: https://secure.m-cube.co.uk/aspinall/auth/login and then follow the instructions and your card will be activated and ready to use.


Web Ranking: The internet ranking for aspinall card is #2,282,925 and the users are from United Kingdom only.

England Football Credit Cards

The most famous soccer credit card in England/UK is "FA England Credit Card" and is issued by MBNA Bank Europe.

It is alos known as "The FA, England National Team Rewards Credit Card"
Features:

• 0% p.a. on balance transfers (For 12 months)
• 0% p.a. on card purchases (For 3 months)
• £0.00 annual fee (For lifetime)
• 15.9% APR typical rate (variable)
• O Reward point for every £1 you spend

Other Soccer Credit cards Offers:

1. Arsenal Credit Card - The Arsenal Football Club Rewards
2. The Aston Villa Football Club
3. West Ham Credit Card
4. Tottenham Hotspur Credit Card
5. The Liverpool Football Club
6. Celtic Credit Card
7. The Rangers Football
8. Wigan Athletic
9. Middlesbrough Credit Card
10. Sheffield United
11. Charlton Athletic
12. The Blackburn Rovers Football Club Rewards CC
13. Bolton Wanderers
14. Manchester City
15. Reading Credit
16. Chelsea Credit Card
17. Portsmouth Football Club
18. Newcastle United Credit Card
19. Manchester United Credit Card
20. Fulham

I will get you a special Report on FIFA World Cup South Africa Credit cards soon...

Neiman Marcus Gift Card

About: Neiman Marcus is a famous online website for the collection branded wears for women, men and kids, beauty brands, designer jewelry and accessories, gifts for all occassions and luxurious decor and more.


Online Since: At the end of August, 1995.

Related Sites: www.bloomingdales.com, www.eluxury.com, www.chtah.com, www.bluefly.com, www.shopstyle.com, www.saksfifthavenue.com, www.nordstrom.com, www.shopbop.com, www.purseblog.com, www.net-a-porter.com, www.gucci.com

Technical Details: The website needs javascript to be active in your browser and flash must be installed.

Whois Info: Available.

FAQ's:

Q: How can I be able to get the Neiman Marcus Gift Card as the store is far away from my residence?

A: You can apply for it online in just few steps and get it at your home address. For details click:http://www.neimanmarcus.com/store/catalog/prod.jhtml?itemId=prod10400002&parentId=


Q: Can anyone tell me about the cutomer service number for nieman marcus gift cards?

A: You can call at 1.888.888.4757 number for your nm gift card queries.


Q: Where can I use my nm gift card? Any help plz!

A: You can use it at their nieman marcus stores or at their website neiman marcus.com for online purchasings.


Internet Ranking: #2,818 internet ranking for neiman marcus.com with approx 80% users from US only and others from China, Canada, India, S Arabia, Arabia, Iran, UK, Russia, Mexico and Australia.

Victoria Secret Gift card

www.victoriassecret.com

About: Victoria secret is tha world's most glamorous women's lingerie, intimate apparel, sleep wears, chic women's clothings, swim wear, with shoes and accessories including beauty products.

Online Since: January 23, 1995.

Related Sites: www.abercrombie.com, www.apc.fr, www.fredericks.com, www.forever21.com, www.bebe.com, www.bcbg.com, www.macys.com, www.m0.net, www.gap.com, www.armaniexchange.com

Technical Details: Apache server based website which requires active javascript.

Whois Info: Available for this website.

FAQ's:

Q: I am trying to access victoria's secret website but can't. Any help!

A: You must visit the webpage: https://www.victoriassecret.com/commerce/signin.vs?namespace=user&event=link.login and login to your account for knowing about your vs gift card.


Q: How can I be able to use my victoria gift card for online purchasings?

A: For online purchasings you must enter your gift card number and the PIN written on the back of the card while placing your order summary and payment reviews. Carefully read all the terms and conditions before doing any payments and also read their redeem policies for online purchasings.


Q: What is the victoria's secret customer services number?

A: You can call at 1.800.411.5116 for knowing about your queries related to victoria secret gift card?


Q: I had placed an order for victoria's secret clothings and want to know about the status of my order. How is it possible?

A: You must visit their website www.victoriassecret.com and click at the Check Order Status link given at the bottom of every page of the website or simply call at their customer service number.


Internet Ranking: #353 web traffic ranking for victoria secret. Most of the visitors are from United States and others from Russia,India, Mexico, Japan, China, Brazil, Canada, Azerbaijan, and Germany.