What You Need To Know About Getting Car Insurance

It’s stressful when the time is nearing to renew your policy. Are you looking for a company that can process policy quotes quickly? Money Expert is one of the leading car insurers in the UK helping you to find a new policy. It provides accurate quotes based on your car and driving history.

Things That You Need For a Perfect Policy Plan

  • Providing your identity to the insurer guarantees an accurate quote to get the perfect policy plan. Personal details such as your age, occupation, and details of your driver’s license are essential.
  • The cost of the policy will be based on how much the car was purchased. The number plate is the primary requirement, but the model information can also help as well as the details of any modification.
  • The insurer needs to know your claims history such as any accidents that occurred in the past five years. Providing the specifics of your no claims bonus if you have would also help.
  • Money Expert can always guide you choose the right policy type that you need such as third party car insurance policy, third party fire & theft car insurance policy, and fully comprehensive car insurance policy.
  • The price of the plan also depends on the number of other drives that will be sharing your premiums.
  • You’ll be paying more in the event of an accident. However, the higher you set your voluntary excess, the fewer you’ll spend each month.

Identifying the Types of Car Insurance Policy


  • Third-party Only


This is the cheapest among the car insurance policy types. It doesn’t cover any upkeeps that you need to make to your motor, but this policy can significantly help you pay for you if you damage another person’s vehicle or property.


  • Third-party Fire & Theft


This policy includes the basic of what the third-party car insurance policy has. It’s the second most expensive car insurance policy, but it can cover against theft, damage done during an attempted burglary, and fire damage.


  • Fully Comprehensive


It’s the highest-priced car insurance policy because it provides the most significant level of cover available on the actual plan. This offers complete peace of mind.

6 Top Tips To Save More For Car Insurance Policy

Car insurance inclines to go up every year, so it’s wise to be careful. Here are the top tips that can help you lower down your costs when finding the right policy:

  1. Improved Security

One of the efficient ways to help you reduce down your premiums is by adding extra security devices such as steering wheel locks. This protects your car as well as less risk for the insurer to take.

  1. No Claims Bonus

If you protect your No Claims Bonus, this helps to reduce your expenses. You can do this by doing small repairs for your car. The insurer can acknowledge this.

  1. Reduce Your Mileage

Take note that when you opt for a policy, one of the things the insurer needs from you is providing the estimated distance that your car should take. Going over that may invalidate your car insurance policy.

  1. Integrating Black Box

To protect your vehicle, it will be perfect if you install a black box or telematics device as it records information on the speed and mileage while driving. You can be rewarded with lower premiums if you’re a safe driver.

  1. Sharing with Named Drivers

Another best ways to lower down the cost of your policy is sharing the plan with an experienced Named Drivers, for example, your spouse or parent. Encourage them if they’re willing as it’s convenient.

  1. Pay Annually

Do you know that you can tremendously decrease your expenses by paying your premiums annually? Don’t let yourself be included to around 50% of individuals still paying their dividends monthly or quarterly.

Who To Trust

At www.moneyexpert.com/car-insurance/, there’s a vast hand-picked list of over 90 various providers including these leading companies:

  • AXA
  • Admiral
  • Abbey Insurance
  • Endsleigh
  • RAC

Wrapping Up

Don’t get stressed when the renewal date of your policy is approaching. You could save more up to £200 through MoneyExpert which is recommended by 92% of users. The company has earned a score of 9/10 in Trustpilot reviews. It’s the perfect one to trust. Get instant quotes now in minutes by visiting www.moneyexpert.com/car-insurance/.


20 Digital Marketing Tips for Your Home-Based Business

home business

Running a home-based business becomes even more joyful when you make the effort to market it online using the right channels. Here are 20 tips to help you get started with promoting your venture online.


  1. Create a simple business website using free or inexpensive templates and themes available online. You don’t need to be an expert in web development to build a simple website, so go for it and take professional help when you’re ready to take it to the next level.
  2. Integrate a blog into your site and use it to post announcements, promotions, how-to articles, tips, testimonials, experiences and so forth.
  3. Use relevant keywords throughout your website to enable search engines to find it when users type those search words.
  4. Use search engine optimization (SEO) to improve your website’s ranking on Google and other search engines. SEO is a specialized internet marketing tool—you can learn the basics online, but for running an advanced and effective SEO campaign, you may need to hire a digital expert.
  5. If you’re not keen to spend heavily at this point, consider hiring a freelancer to create an affordable yet effective SEO strategy for you.
  6. If you have a list of email addresses of present and past clients, use email marketing to inform your customers about promotions, events, product/service updates and limited-period deals.
  7. Start collecting contact details of visitors to your website. Offer a discount or free gift in return.
  8. Use the good old press release to get the word out regarding your new business.
  9. Make business pages on social media platforms such as Facebook, Instagram, Twitter and Pinterest.
  10. To keep your audience interested, make it a habit to post engaging, relevant and useful content on your social media accounts.
  11. Use social media marketing (for instance, Facebook advertising) to reach out to your target market.
  12. Create a professional profile on LinkedIn and other local professional networks to enable B2B clients, investors and others to reach you.
  13. Boost your email database through credible email lists.
  14. Create a profile in relevant local online business directories.
  15. Write guest posts on influential websites in your niche to spread word about your business and establish yourself as a knowledgeable expert in your field.
  16. If marketing your newly found business on your own sounds too overwhelming, hire a local digital agency for the job.
  17. Focus on a building digital campaign to gain genuine leads and measurable results and create a strong online presence. The full-service digital agency https://digitrio.com.sg offers tailor-made SEO and digital marketing plans for local business owners looking to expand their reach and increase their revenues.
  18. Use a link-building service to create a network of authentic content that links back to your website.
  19. Use PPC (pay-per-click) advertising by Google to bring your business to the top of search results via paid ads.
  20. As your business grows, upgrade your website to improve user experience.




How to Take Timely Care of Appliances in Your Business – Maintaining the Budget

business appliances

No business runs without money and frankly, to get the desired results one needs to spend money in the first place. However, spending wisely is what makes a business going. If you do not know how to spend on your business then you will soon go out of cash or would not be able to reach the break-even point. Whilst starting a business, the outflow of money is huge as compared to the inflow. Therefore, expecting profits in the first few months is quite a difficult task.

If a budget is prepared then you would know beforehand only what your business needs and where you need to invest the most in order to make it a huge success. Not only this, a budget helps in knowing what amount of money you need to keep aside for repairs, replacement, and when the breakdown of anything happens within the business.    

Here is a list of things that you need to maintain:

Prepare A Maintenance Chart:

In a restaurant business, a lot of pieces of equipment needs repairs. From kitchen equipment to eating area furnishing, everything needs proper maintenance. Before the equipment stops working, it is always better to schedule a repair time for all these equipment. Once, these are checked after frequent months, the chances are their break down will not happen for a longer period of time. Remember the mantra – prevention is always better than cure.

In fact, regular cleaning and servicing ensure not to put a load on your budget. Also, maintain an emergency fund in case you need some extra money to buy a new equipment. Try to decrease your expenses and increase your revenue by taking wise precautions.

What is The Average Repair Cost For A Restaurant?

All restaurants set aside a maintenance fund based on their sales. According to the Restaurant Facility Management Association report, the restaurants keep one percent to three percent of their sales for repairs and maintenance of the appliances. In that case, ensure you pick the best service company https://www.touchstonecommercialservices.com/ in your town.

The budget varies because the cost varies as a lot of factors play a major in repairing the equipment – age of the appliance, warranty, quality of the product etc. Based on these, you can segregate the money for your repairs and maintenance fund.  

What Budget Strategy will Work For You?

As discussed above, during the initial months, the cash outflow is more than the inflow. Ensure to keep a separate fund for maintenance so that you do not have to pay an extra rate of interest to your bank. Also, show these expenses in your accounts yearly to attain benefits.

Inspection of equipment after a couple of months will help you in understanding as and when you need to make any changes in your maintenance budget. Also, during the hot weather special precautions needs to be taken for AC and refrigerators.

Following are some budget tips that you ought to follow for your restaurant business:

Keep a record of what you will be needing and tentatively how much extra money you will have to loan for a bank.

Mark the pricing of the products wisely and ensure to know the tentative sales number you want to reach in a year. The number of customers you want to cater in a year and the staff that you need to hire.

No business is successful without marketing. Therefore, ensure you have a separate strategy for online advertising – social media platform, website building, and sales team.

While preparing the budget, keep the costs segregated – variable cost, semi-variable cost, and fixed cost.

Instead of opting for a notebook methodology, use software that are specially invented for budget maintenance – Excel and Tally.  


Regardless of the business, preparing a budget is essential as helps in managing the cash inflow and outflow. Therefore, you will always be able to keep cash aside for emergency situations. “Do not save what is left after spending, but spend what is left after saving” – Warren Buffett.

The budget helps us in understanding what we were doing wrong, what new needs to be done, and what changes need to be implemented for the future to reach the ultimate goal.

Helps in analyzing the growth of the business from the very start – when did the business achieve break-even point and yearly profits after that.

Also, the budget makes sure we do not put our repairs on hold in order to save a little money now which later on will cost us huge.

How To Get Quality SEO When You Are On A Limited Budget

SEO help

Search Engine Optimization (SEO) is the mainstay of a digital strategy as an online business cannot sustain unless its website finds a place in the top search rankings. However, several small businesses tend to avoid doing SEO because they think that they cannot afford it. But the fact is that it is far more cost-effective as compared to other digital strategies like PPC, affiliate marketing and social media marketing. So if you are looking to get quality SEO right within your budget, here are some tips to help.

  1. Strengthen your local positioning

If you are on a bootstrap budget but still want the best results from your SEO strategy, focus on strengthening your local positioning rather than targeting the prospective customers from far and wide. The best way to do so is by optimizing the local listings of your business. Ensure that you have a business listing page which has accurate and descriptive information about your business.

  1. Serve relevant and fresh content

Content is one element that can help you to boost your site’s SEO without much effort. A website that serves genuine, informative and relevant content is valued by Google and can fetch high ranking for your site. So refreshing the site with quality content (probably on its blog) is a good way to leverage the ranking without burdening your budget.

  1. Integrate the right keywords at the right places

The content on your site should not only be fresh and relevant but also be optimized with the right keywords. You need to identify the best ones, think of long-tailed variants and incorporate them within the website’s content. Have them placed naturally in the page titles, URLs and headings. But make sure that their density is optimal as going overboard with their usage can do more harm than good.

  1. Get quality links for your site

If you are looking to get impressive results with SEO right within your budget, link building will do the job for you. More quality links to your website from third-party sites translate into higher search engine rankings. Business directories, local publications, yellow page listings and article submission are some core link building strategies that you can take up. The idea is to make your site visible from as many online sources as you can.

  1. Have a professional SEO team

Having a professional SEO team can make all the difference to the search ranking of your website because experts can optimize your site as well as take care of its ongoing health. While having an in-house team may be an expensive option, you can avail expert services on hire. You can check out https://www.submitcore.com to learn more about engaging skilled SEO experts at an affordable price.

SEO is a powerful digital strategy that delivers lasting results and plays a key role in propelling sales as well as building your brand. The visibility it builds for your site gets you higher traffic and fortifies your online reputation. So it deserves your attention and a formidable share in your marketing budget as well.

Adderall in the Workplace: A Dangerous Trend

This is not news; it is now a trend if you look at the number of people who are dangerously using Adderall to enhance work their work performance. Over the last decade, we have seen articles published on how workers in tech, business, finance, arts, and other professions misuse medicines like Ritalin, Concerta, and Adderall to have a competitive advantage over their peers.

This is a dangerous trend that guarantees a fall, even when some users believe that they are controlling their use. Luckily, there are warning signs that will present themselves along the way to notify users to stop or get some help.

We should not be surprised that most people at work use stimulant medications to handle ADHD. For years, we know that students have used stimulant addiction to enhance their performance at school. For these students, it makes sense to continue using the same stimulants when they start working; why should they change a habit that has been working well enough at school? That is the reason why it is not shocking as to why it is a trend. People used to take stimulants at school, and they successfully graduated with good grades because of the drugs. Why change it when it has helped someone to get a good job?

Now, one reason people using them need to stop is that life is not a finals test. Life does not stop. When you are working, especially in a competitive space, there is no extension for the semester break for recovery and rest. There is no starting anew on the next semester at the workplace. There is no perfection in this time of life. Even those who are called masters of their craft can’t finish everything they want to do.

If you are using the orange pills to get ahead in life and you relate with one of the following points below, it might be time to rethink about the path you are taking by getting some help. Remember that someone who decides to make a sprint on the third mile of the marathon in their career may experience the thrill of leading the race temporarily, but they are unlikely to finish the race at the top.

4 warnings to indicate that your use of Adderall is out of control 

You are using it socially 

According to research, ADHD stimulant medications are drive drugs and not smart drugs as they are reputed to be. They help to extend the awake time and make someone focus on attention. They do not have a healthy reason for using them in social events. If you find yourself not psyched up for an event because you are tired, take a nap instead of a pill. If you think the business event will not be interesting, read a book or find a friend you have not met in a while to spend some time with. When you realize you are using Adderall, there is an issue developing.

You are using it frequently on a routine basis 

Do not take stimulant drugs like coffee because they can be dangerously addictive. You might be getting on dangerous grounds when you use them routinely rather than on special circumstances. If you realize that you do not consciously have a risk/reward calculation about whether to use a pill or not, then you need to rethink what you are doing. When you realize that your use of Adderall is the only way you get work done, then there is a problem.

You believe that using Adderall guarantees success 

Everyone has an internal narrative about who they are. These stories help to define identities. In some cases, Adderall users attribute their success to the number of milligrams of Adderall they use, and the manufacturers they prefer; they do not attribute it to talent, circumstance, and hard work. Success to them comes through the drug. If you realize that your professional identity is heavily centered on the drug, you need to get help.

You are afraid not to use it 

One of the best flags you need to be aware of can come in the following way. You have a weekly progress report to finish or a quarterly morning meeting, and you do not have Adderall with you. When you feel anxious because you have not popped a pill to be ready for a particular defining moment at the workplace, you are in trouble, and you need help.


Keeping it by the Book: 4 Advantages of Letting a Professional Handle Your Taxes

Filing your taxes is a must. Also, you must do it on time and properly. Failing to file taxes on time or failing to file altogether can attract stiff penalties. No one wants that.

This is one of the reasons many small business now retain the services of professional tax preparers. Their knowledge and professionalism means that you’ll never hear about penalties at any point.

But not just that; here are four other advantages of working with a professional tax preparer rather than doing your taxes on your own or relying on online tax tools.

  1.     Ease the burden

Tax matters are complicated. An SMB owner filing returns on their own has to complete and file a number of forms including the IRS 1040, Schedule A, Schedule C, and Schedule SE. Completing each form isn’t something you can do in one sitting. You need to gather several documents and records and capture information from 1099s or 1099-INTs. It gets worse; you may not even understand these documents in the first place, putting an even greater burden on your shoulders. Hiring a professional tax preparer takes such duties off your mind allowing you to focus on growing the business.

  1.        Keep errors to a minimum

Another issue with taxes is errors. The IRS, on its website, keeps a list of the most common errors people make when filing returns. You’ll be surprised at how long the list is and how petty some errors are. For instance, it’s been noted that a significant number of those filing their returns enter payments on the wrong line. Another common error is basic arithmetic mistakes. When you do this, the tax body may be forced to reject or levy a fine on your filing. Also, mistakes in tax files can potentially delay any refunds due, resulting in unnecessary interest. Professional tax preparation keeps errors to a minimum.

  1.       Avoid adverse consequences

It’s not just fines and interests that you could be faced with though. Improper filing or failure to file can result in severe consequences, possibly culminating to legal battles. You could easily be taken to court for tax offences such as evasion. These suits attract hefty penalties and even imprisonment in some cases. Additionally, your credit history might be affected too. If the IRS files a lien, that information can remain on your credit history for 7 years. Above all, the IRS is allowed to levy your account, garnish your wages, and seize your property. Consider professional tax preparation to avoid these situations.

  1.      Get crucial tax advice

Finally, a professional tax company will provide valuable tax advice that can help you save a lot of money in the long run. From deductions you qualify for to credits and everything in between, they know exactly what you could do to lower your tax burden.

Choose Wisely

Doing your taxes on your own or using online tax tools might seem cheaper. But the professionalism of established tax experts protects you from unforeseen consequences that may prove very costly in the long run.

What is Football Player Corey Coleman’s Net Worth?


Corey Coleman is a professional football player in the NFL.  He is a wide receiver who has played for teams like the Cleveland Browns, Buffalo Bills, and New England Patriots.  He was recently released by the Patriots and is not currently on an active roster.

Image result for corey coleman's net worth


Coleman attended Baylor University for his college career.  After redshirting his freshman season, Coleman made a quick impact for the team.  In his first season on the field with the team, Coleman recorded over 500 yards receiving.  In his two seasons that followed, he recorded over 1000 receiving in each of the seasons along with a total of 31 touchdowns.  His senior year was incredibly impressive as he recorded 20 receiving touchdowns on his way to winning the  Fred Biletnikoff Award given to the nation’s best receivier.


After a successful college career, Coleman decided to forgo his senior year and enter the NFL draft.  He was selected in the first round by the Cleveland Browns in 2016 as the 15th overall pick.  Corey Coleman’s net worth currently sits at $4 million thanks to his rookie contract.  His initial NFL contract was for four years and valued at over $11 million.  Included in this contract was a signing bonus worth $6.6 million.


Coleman’s NFL career got off to a fast start.  During his rookie season, Corey totaled 33 catches for over 400 yards and three touchdowns.  This was despite only playing in ten games due to a broken hand.  In the following season, Coleman posted solid numbers yet again before suffering another hand injury.

Before the start of the 2018 NFL season, the Cleveland Browns traded Coleman to the Buffalo Bills for a seventh round pick.  After spending most of the preseason with the Bills, Coleman was eventually cut.

Coleman ended up signing a contract with the New England Patriots after Week 1, but didn’t even make it a week with the team before he was waived again.


By all accounts, Coleman has not panned out the way he was supposed to.  Drafted for his speed, Coleman showed signs of greatness, but ultimately was hindered by injuries.  First round draft picks are supposed to be on an NFL roster 3 seasons after they have been drafted.  While only time will tell if Coleman is able to find his way on another NFL team in the future, one thing is for sure, Corey Coleman’s net worth is currently at a standstill.


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If reading this blog post makes you want to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

Go-To Strategies for Minimizing Losses When Day Trading

You can’t be a successful day trader without understanding and counteracting the risks. No trader has a perfect track record, and you must prepare for losses. The amounts of your losses, however, are always within your control. When you risk only 2 to 3 percent of your account balance, this minimizes your loss potential and keeps you afloat while still providing the chance to earn a profit.

One of the first steps you need to take when day trading is comparing your expected returns. Look at stocks you’re wanting to trade and then compare their projected returns. Now, pinpoint which ones make the most sense to invest in. Never invest more than 1 percent of your account balance on a single trade. This type of risky trading is setting you up for failure and huge losses. Even if you’ve heard through the grapevine to make more than a one percent investment because the stock is going to rise in value, don’t.

Day trading success is about finding a balance. You’re going to have losses, and you’re going to miss out on money-making opportunities from time to time because you chose not to invest more than 1 percent on a single trade. Finding this balance allows you to minimize your losses and enjoy long-term success as a day trader. You’ll also want to choose a daily stop-loss amount. Once you hit this amount, stop trading for the rest of the day. You’ll be glad you did, especially when you see over time how much money you’re saving by using the stop-loss concept.

How To Get Started With Penny Stocks

Breaking into trades by making your first investments is a huge milestone. If you’re a new trader looking for opportunities, it’s important that you make wise decisions while you continue learning about how markets work, and which trades are worth making and why. Before you move forward with making investments, make sure you’ve considered all of your opportunities. Namely, you should take a closer look at penny stocks and understand why these are appealing for new and experienced investors alike.

Penny stocks are classified as shares worth less than $5 a piece, though many are valued at under a dollar — thus the name. These are good for new investors since you can purchase enough shares to have the potential for a high rate of return. Also, since you won’t need to make as large a purchase as you would on other markets, you can get started with penny stocks without having to risk your entire budget. So, you can build your portfolio while you continue learning and gaining experience as an investor.

This doesn’t mean that you shouldn’t do your due diligence before investing. Yes, these trades are affordable compared to shares from major companies, but this is because it’s often new startups without an established record that issue penny stocks. Without a documented financial history to go on, which is a major source of data for other types of investments, you need to analyze penny stock trends and look at information from other sources to inform your decisions. This process is explored in greater detail in the infographic below.

Smart Ways To Manage Your Finances After A Car Accident

If you’ve been in a car accident, you’re sure to know that the entire experience can be costly. Even though it may not have been your fault, being in a car accident can dramatically affect your finances. Luckily, there are quite a few smart ways to manage them after such a serious situation.

  1. Have Savings In Case of Another Accident. Though most people will only have one car accident in their lifetime, there’s no guarantee that you won’t have another. That’s why it’s a good idea to put some money aside to cover car repairs and replacement. If you were to have another car accident, it can be hugely comforting to know what you have the funds to fix the damage.
  2. Reconsider Your Car Insurance. After you have had a car accident, you’ll notice that your car insurance will increase in price. This is to be expected, as you will have made a claim. However, you may be able to get a better deal elsewhere. Rather than simply staying with your car insurance provider year after year, see if another car insurance provider will charge you less in spite of you having had an accident. For example, you may want to add SR22 insurance.
  3. Don’t Drive Without Car Insurance. Though many people are tempted to avoid paying out for car insurance, this isn’t a smart financial move. A car accident can be costly in both car repairs and medical bills. However, these costs are greatly reduced when you have car insurance to rely on. Rather than seeing car insurance as a cost that’s easy to avoid, see it as a way to keep your vehicle costs down in the long run.
  4. Pay Professionals to Service Your Car. A lot of car accidents are caused by unsafe vehicles being on the road, which is why it’s always worthwhile paying for a professional to look over things. Though carrying out a repair yourself is usually a lot cheaper, it can lead to more extensive repair work being needed in the long run. By paying professionals to service and repair your car, you are managing your future finances and reducing the chances of avoidable vehicle costs.
  5. Have a Back Up Vehicle. Whether you’re able to borrow a vehicle from a friend or your car insurance offers one, it’s a smart financial move to have a backup vehicle. As you’ll know from having a car accident, you can be left without a mode of transport for weeks at a time. Not only is this an inconvenience, but it’s also costly when you factor in having to pay for public transport and taxis. Instead, a back up vehicle can help you to keep costs down if you’re in another accident.

As you can see, there are a lot of smart ways to manage your finances after a car accident. If a car accident should teach you anything, it’s that there’s no point in cutting corners when you’re vehicle is concerned.