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XFR Financial Ltd – What Does Technical Analysis In Forex Involve?


Technical analysis refers to the activities involved in speculating development of future price by viewing history of market information. Continue reading →

How to buy Cheap gas for Your Business

All business owners should try to reduce their overheads, so finding a cheap, suitable energy supplier is important. Usually, electricity and gas is purchased well ahead of time, and energy companies speculate on the wholesale price movement. Consequently, when the energy comes to be sold, no two suppliers are in the same financial situation, so they charge different amounts.

As a result, to find the most competitive energy rates, it is wise to research the prices of several different suppliers, prior to choosing one. Thankfully, the world wide web has made this a simple task, because an energy supplier comparison website is the best way to find a good deal. A variety of suppliers and energy plans are offered throughout the UK. On many websites, you can type in your postcode, and it will list the suppliers that are local to you.  Have a look here for example:

Another factor that can influence your choice of energy plan is the quantity of energy your company uses. Some energy firms will request a recent copy of your gas bill, to help them assess your present energy consumption. Some energy plans feature fixed standing fees, along with a reduced per unit price for electricity and gas. This is counterproductive for companies that use a relatively small amount of energy, but beneficial for companies with high energy consumption. Fixed priced plans allow businesses to know in advance how much their energy bills will be, so they can budget accordingly. For some business owners, this is considerably more convenient.

Occasionally, after using a comparison website, you may find that the most suitable energy plan for your business is through a provider that you are unfamiliar with. However, most of these websites display links to customer feedback scores as well. This means that you can compare different energy suppliers, based on price and customer ratings. In a worse case scenario, if your provider fails to maintain your energy supply, Ofgem has introduced measures to ensure that you are compensated.

Certainly, you should not experience any blips with your energy supply. The same cables and pipes will be used to deliver your gas and electricity. Therefore, when conducting your research into different energy plans, you can rest assured that there will be no power outages, if you do opt to change suppliers.

Although shopping around to ensure that you are getting value for money is important, reducing your energy consumption is a more effective way of lowering your energy costs. Installing half hourly meters on your business premises enables you to regularly check your energy usage. This way, you can identify money saving opportunities.

Half hourly meters measure power consumption every thirty minutes, and relay this data to your energy supplier. As a result, your readings are constantly updated, and no manual intervention is required. Best of all, you only have to pay for the power your company uses. The Business Energy Store, which was started by two brothers called Jonathan and Keith, specializes in the bespoke gas and half hourly markets.

How to claim back PPI

If you’ve had a credit card, catalogue, car finance or overdraft in the past, there is a good chance you could successfully claim back PPI.


PPI means Payment Protection Insurance and was sold alongside financial products for a number of years and was designed to help if you were off work through sickness or lost your job through redundancy.

It has come to light that many PPI policies were mis-sold and all financial institutions have been ordered by the courts to repay the money if it is proved that the insurance was taken out following poor advice.

Over £12 billion has now been refunded and all the major banks have set aside large amounts of funds to cover the money which is still to be returned.

If you were sold PPI with any financial product, it is worth checking to see if you are eligible for your money to be refunded to you.

Check the details on the policy or if you don’t know if you had PPI, call or write to the relevant company. They will let you know. You can make a claim for an account which is still open or one which was closed some time ago.

The most important aspect to consider is whether you feel that PPI was mis-sold to you. If you were told or discover any of the following:

–        It was compulsory

–        you didn’t realise they had added it to the  finance package without your knowledge

–        you were sold something you didn’t need as you’re already covered elsewhere

–        you were self-employed, retired or unemployed

–        you had medical problems in the past

–        the provider has already been fined

then there is a strong possibility you have a case.

Telephone the lender and tell them you want a refund and the reason why. Some are now handling the issue directly over the phone which makes things easy to resolve. If not, there is a questionnaire to complete which has been issued by the Financial Ombudsman. Complete this and you will receive a reply. If you receive an offer, ensure they include all the money you are owed. If rejected, write to the Financial Ombudsman who will look to handle the case for you.  The Ombudsman is free to use and their role is to settle disputes between customers and companies.

If paying PPI has left you short each month and you now need to pay for an emergency situation such as a post-winter utility bill, you can look to redress the balance with a small loan until you hear about your refund.  Visit payday choice to compare payday loans as they understand that situations crop up in life where you need an injection of cash for a short amount of time.  Payday loans don’t include PPI, so you can rest assured that whilst you are dealing with your refund, you can relax and know the rest of your finances are covered.

PPI has been claimed back by millions of people so don’t delay if you feel that you are owed money.


Insurance Information For High-Risk Drivers

Insurance is mandatory for drivers across the country. How much you pay for liability coverage depends on your age, driving record and a variety of personal factors. It’s the insurance company’s responsibility to assess the level of risk and determine the likelihood of your filing a claim. Insurance rates depend on where you drive, how much you drive and where you park your car. Premiums are also determined by your personal history, driving record and past claims. All drivers have some level of risk. Yours might be higher or lower depending on your history.


What is a High-Risk Driver?


Just like teen drivers pay more for insurance, some adult drivers have increased rates because they fall in a high-risk category. Usually, high-risk drivers have let their insurance lapse or have driven without any insurance for some time. Intoxicated driving and reckless driving will put you in the high-risk category as will multiple tickets, traffic violations and unpaid fines. High risk car insurance allows these drivers to purchase coverage if they pay more based on the increased chances of a claim being filed. It’s also possible that drivers will be denied altogether or won’t be able to receive coverage through their preferred provider.  For more information:


Am I a High-Risk Driver?


If you have a poor driving record or convictions, companies won’t want to insure you. The same is true if you were caught driving without insurance or without a license. In other cases, you might not understand why your rates are so high. One thing that you can do is request a copy of your driving record by visiting your local DMV website. If you’ve been in an accident or filed a number of claims, order a free copy of your Comprehensive Loss Underwriting Exchange (CLUE) auto claims report from LexisNexis Personal Reports. Car and home insurance companies track your claims and use this information to assess your risk. You should also know that many companies check your credit score when calculating premiums.


High Risk Car Insurance Options


As a rule, high-risk drivers pay more for car insurance and have fewer options. Follow the same guidelines that you would when shopping for traditional car insurance. Contact several licensed insurance companies, and compare rates. Premiums can be as much as 60 percent higher compared to low-risk drivers. These surcharges generally apply for three years. In addition to comparing rates online or through brokers like, there are other steps you can take to lower your risk and insurance costs. Make sure that any fines and tickets have been resolved, and let your insurance company know. You could also drop comprehensive and collision coverage or use a less expensive car. Completing a defensive driving course is another way to reduce your risk and get points taken off your license. In extreme situations, you may receive repeated denials. Some states have special insurance pools to cover drivers who can’t get coverage on their own.


Auto insurance is a necessity that protects you financially if you damage another vehicle or injure another driver. Even if you’re a high-risk driver, you should do your best to adopt safe driving practices. Checking your CLUE report and driving record are the best ways to ensure that insurance companies are using accurate, current information. If you find errors or believe you were denied coverage based on your race or national origin, you might have a right to sue. Being a high-risk driver isn’t the end of the world, but it is a good reason to improve your record and become a better driver.


Holiday Prep 101

This holiday season may find you doing something completely new, or just settling into familiar routines, like visiting with family, or even experimenting with some pretty elaborate and over-the-top menus. Doesn’t sound like there could be much danger in this, right? Well, you’d be surprised! Adults and children alike often use the holidays as a time to relax and free themselves of certain limitations. These can lead to accidents that, when left unattended or poorly attended to, can affect both yourself and your home. You don’t want to have to dip into your homeowners insurance just because of a holiday mishap, do you? Have a look at some of our basic holiday Prep tips to help you get through the holidays without a scratch!

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Car Insurance Basics

Car insurance is mandatory, which means that you have to have it. Most people look forward to dealing with an insurance agent with about the same level of enthusiasm they show for their dentist just after he mentions a root canal, but purchasing car insurance doesn’t have to be a painful experience. According to the CNN Money there are several important factors involved in choosing a company to provide you with car insurance.

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Insurance for Independent Living at Any Age

Driving your own car is one of the first signs of true independence. Passing the driving test and suddenly having the freedom to go wherever you want, whenever you want, is one of the most liberating feelings. Something many people do notice, however, is that their car insurance is pretty expensive when they are younger. There aren’t too many great things about getting older, but one of them is that your car insurance does tend to be cheaper. You are considered less of a risk on the road due to years of experience, and if you are lucky enough to build up a solid no-claims discount then this will knock pounds off your quote.

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What to Do in the Days Following a Car Accident

Getting in a car accident can be a scary situation, but it is important to use your head. There are certain steps that should be taken in the moments, hours and days after a car accident, so make sure to keep these steps in mind if you happen to get into a wreck.

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