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Finance
Understanding the car insurance market
Read MoreIf you own a car, you must know that to maintain a car with is very costly. To add to this is the car insurance. But there is good news for all the car owners that the car insurance premiums have started to come down in recent times. However, this does not cut down on your expenses. It will surely give you a big bite as usual. So, it is necessary for you to learn a few things about the different policies on offer.
Legal requirement and risk factors:
Do not run your vehicle without insurance as it is illegal. If you get caught with an uninsured car, you will have to give a penalty and eventually your vehicle will be seized and destroyed. As car insurance is all about risks, the more risk it covers, the more expensive it will get. Insurance companies look into various aspects before quoting a premium. Among those, your age plays a significant role as if you are an older person you are less accident prone than the younger people.
Types of car insurance:
There are three types of car insurances. One is third party car insurance which is the most basic and minimum legal requirement. This pays for the damage caused to any third party’s car or vehicle by you. This doesn’t pay for your vehicle’s damage.
The second one is third party fire and theft car insurance. This covers the cost of any damage caused by fire or theft to any third party’s car adding to your car’s damage as well. Even if the fault is yours, you’ll get the cover for your car.
The last and the most modified is the fully comprehensive car insurance. This gives you additional facilities, so the young drivers often opt for this cover. It may even cost you lesser than the other two. You must check whether your car is worthy enough for this or not. It is therefore important that you go through all the premiums on offer before choosing one for yourself.
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Automotive
The small SUV with not so small pricing – Buick Encore
Read MoreAre you one of those chic, cosmopolitan, young urban professionals? Or are you an affluent person who wants to add another SUV to your already existing fleet of vehicles? If you are either of these or are just researching options to purchase a small SUV, then the 2017 Buick Encore is definitely what you are looking for.
The well equipped Buick Encore cost is slightly towards the expensive end, at a starting price of $23,000 for the standard FWD, while the optional AWD is slightly higher.
The five trims available for this small SUV from Buick have a price differential amongst them. The ENCORE 1SV costs $239,15 and the PREFERRED costs $252,90. The third alternative, the SPORT TOURING is $264,90, while the fifth on the list is PREFERRED II at a cost of $277,90. ESSENCE and PREMIUM, the last two in the series cost $299,90 and $313,90 respectively.
This feature rich, expensive Buick Encore has a number of buyers for its smart, upscale looks. For those customers who are seriously considering buying one in the near future, there are a variety of ways to save on your acquisition. There is the traditional discount for cash purchases, then there are finance options, i.e. credit facilities for a particular term and interest rate on the sum you borrow. Additionally, you could also take your Buick Encore on a lease.
The original cost of the Buick Encore 2017 is $368,60. For a quick cash purchase, a discount of $41,13 is offered. Apart from this, there is a further price reduction of $14,16. So the final price you would pay for this luxury on wheels is $313,31. Eventually, you end up with a saving of $55,29 on the MSRP. You could alternatively lease a Buick Encore for as low as $149 per month for 24 months with $37,29 payable upon signing an Encore, or lease it for $199 per month for 39 months with $35,09 payable upfront for the Encore FWD. The attractive finance deals have a 0% financing for 72 months. Calculate the monetary aspect of owning a Buick Encore and be quick about the purchase, lest the offers may lapse.
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Phone Accessories
A guide to choose the perfect headphone
Read MoreIf you are planning to invest in a good headphone for yourself, you have before you a stunning array of headphones for you to choose from. Be it noise canceling headphones, wireless models, over the ear or earbuds you have in mind, the choices are just overwhelming. Given below are some simple guidelines that will help you pick the perfect headphone suitable for you in every sense of the word.
Size: One of the primary things you need to decide is whether you want to go in for small or big headphones. Different ones have different uses like for relaxing or for working. Smaller models have excellent portability and are lightweight that makes it convenient to slide into your pockets. But the sound quality is not as good when compared to bigger ones. Larger headphones although bulkier, are excellent in sound quality and are ideal for home use.
Design: Choose a model that will sync perfectly with what you are planning to use these headphones for. While over-the-ear models are ideal for use at home, they are too big to be used while traveling. If you plan on buying a headphone for some serious work or music listening, go for corded ones as they are found to be better rated compared to wireless models.
Different Types: Choosing an ideal model of headphone is completely personal. It depends on how comfortable you are inserting earphones that get embedded into the ear canal or just plain earbuds that rest on the ear bowl. The various kinds include-
On the ear: These models are quite light weight and do not put pressure on your head. They are available in both closed and open versions. However, the ear becomes hot with prolonged use.
In the ear: The earbuds position themselves on the ear bowl are most commonly found coming free along with iPods and audio players that can be ported. These models can be inserted into the ear canal isolating outside sounds.
Over the ear: They are available in two designs namely closed and open models. It depends on your preference what you would like to opt for.
Wireless models: These have become very popular and make use of Bluetooth technology. Wireless models that are digitalized have been found to offer better performance.
Noise reduction: These kinds of headphones are for people who want to cut outside noise completely and concentrate on working. There are various models of noise canceling headphones that you can browse before you make your final choice.