How to Get the Best Rates on Automobile Insurance in Georgia

In terms of car insurance rates, people living in Georgia can expect to pay more than people living in more than twenty other states. The good news is that they will also be paying less than a driver should expect to pay in many states, but regardless everyone living in Georgia who needs car insurance is still going to be looking for the best rate possible.

In order to seek out the lowest rate, a driver should know exactly what level of coverage they need before contacting even one car insurance agent. If you are prepared when talking to insurance agents you have a much better chance of getting a good rate. Decide if you are comfortable with just basic liability coverage or if you prefer having collision and comprehensive coverage in addition to uninsured motorist coverage.

An easy way to find a better rate is to investigate whether your already existent health insurance policy will provide coverage if you are injured in a car accident. If it will, you can waive that coverage and you’ll instantly enjoy a lower rate on your premiums.

Another method of saving money is to refuse the towing coverage that most car insurance policies offer as well as the rental car coverage. Auto club members will typically already have this coverage offered to them, so there’s really no need to double up on the coverage.

If you haven’t invested in a new vehicle yet and the one you drive now is more than a few years old, don’t purchase the collision and comprehensive coverage. In some cases the portion of your premium that is dedicated to that particular coverage amounts to as much as forty percent of what you are paying. Dropping it and pocketing that extra money may result in you being able to actually afford a newer vehicle sooner. Only do this if the value of the car you currently drive is low.

Can You Trust Your Financial Adviser?

Heroes or villains?

“All industries have a few bad apples. I would say that 80% of financial advisers are either good or very good” or “It’s just 99% of financial advisers who give the rest of us a bad name”

Financial advisers, also called financial consultants, financial planners, retirement planners or wealth advisers, occupy a strange position amongst the ranks of those who would sell to us. With most other sellers, whether they are pushing cars, clothes, condos or condoms, we understand that they’re just doing a job and we accept that the more they sell to us, the more they should earn. But the proposition that financial advisers come with is unique. They claim, or at least intimate, that they can make our money grow by more than if we just shoved it into a long-term, high-interest bank account. If they couldn’t suggest they could find higher returns than a bank account, then there would be no point in us using them. Yet, if they really possessed the mysterious alchemy of getting money to grow, why would they tell us? Why wouldn’t they just keep their secrets to themselves in order to make themselves rich?

The answer, of course, is that most financial advisers are not expert horticulturalists able to grow money nor are they alchemists who can transform our savings into gold. The only way they can earn a crust is by taking a bit of everything we, their clients, save. Sadly for us, most financial advisers are just salespeople whose standard of living depends on how much of our money they can encourage us to put through their not always caring hands. And whatever portion of our money they take for themselves to pay for things like their mortgages, pensions, cars, holidays, golf club fees, restaurant meals and children’s education must inevitably make us poorer.

To make a reasonable living, a financial adviser will probably have costs of about £100,000 to £200,000 ($150,000 to $300,000) a year in salary, office expenses, secretarial support, travel costs, marketing, communications and other bits and pieces. So a financial adviser has to take in between £2,000 ($3,000) and £4,000 ($6,000) a week in fees and commissions, either as an employee or running their own business. I’m guessing that on average financial advisers will have between fifty and eighty clients. Of course, some successful ones will have many more and those who are struggling will have fewer. This means that each client will be losing somewhere between £1,250 ($2,000) and £4,000 ($6,000) a year from their investments and retirement savings either directly in upfront fees or else indirectly in commissions paid to the adviser by financial products suppliers. Advisers would probably claim that their specialist knowledge more than compensates for the amounts they squirrel away for themselves in commissions and fees. But numerous studies around the world, decades of financial products mis-selling scandals and the disappointing returns on many of our investments and pensions savings should serve as an almost deafening warning to any of us tempted to entrust our own and our family’s financial futures to someone trying to make a living by offering us financial advice.

Who gets rich – clients or advisers?

There are six main ways that financial advisers get paid:

1. Pay-Per Trade – The adviser takes a flat fee or a percentage fee every time the client buys, sells or invests. Most stockbrokers use this approach.

2. Fee only – There are a very small number of financial advisers (it varies from around five to ten percent in different countries) who charge an hourly fee for all the time they use advising us and helping to manage our money.

3. Commission-based – The large majority of advisers get paid mainly from commissions by the companies whose products they sell to us.

4. Fee-based – Over the years there has been quite a lot of concern about commission-based advisers pushing clients’ money into savings schemes which pay the biggest commissions and so are wonderful for advisers but may not give the best returns for savers. To overcome clients’ possible mistrust of their motives in making investment recommendations, many advisers now claim to be ‘fee-based’. However, some critics have called this a ‘finessing’ of the reality that they still make most of their money from commissions even if they do charge an often reduced hourly fee for their services.

5. Free! – If your bank finds out that you have money to invest, they will quickly usher you into the office of their in-house financial adviser. Here you will apparently get expert advice about where to put your money completely free of charge. But usually the bank is only offering a limited range of products from just a few financial services companies and the bank’s adviser is a commission-based salesperson. With both the bank and the adviser taking a cut for every product sold to you, that inevitably reduces your savings.

6. Performance-related – There are a few advisers who will accept to work for somewhere between ten and twenty per cent of the annual profits made on their clients’ investments. This is usually only available to wealthier clients with investment portfolios of over a million pounds.

Each of these payment methods has advantages and disadvantages for us.

1. With pay-per-trade we know exactly how much we will pay and we can decide how many or few trades we wish to do. The problem is, of course, that it is in the adviser’s interest that we make as many trades as possible and there may be an almost irresistible temptation for pay-per-trade advisers to encourage us to churn our investments – constantly buying and selling – so they can make money, rather than advising us to leave our money for several years in particular shares, unit trusts or other financial products.

2. Fee-only advisers usually charge about the same as a lawyer or surveyor – in the range of £100 ($150) to £200 ($300)) an hour, though many will have a minimum fee of about £3,000 ($4,500) a year. As with pay-per-trade, the investor should know exactly how much they will be paying. But anyone who has ever dealt with fee-based businesses – lawyers, accountants, surveyors, architects, management consultants, computer repair technicians and even car mechanics – will know that the amount of work supposedly done (and thus the size of the fee) will often inexplicably expand to what the fee-earner thinks can be reasonably extracted from the client almost regardless of the amount of real work actually needed or done.

3. The commission paid to commission-based advisers is generally split into two parts. The ‘upfront commission’ is paid by the financial product manufacturers to the advisers as soon as we invest, then every year after that the adviser will get a ‘trailing commission’. Upfront commissions on stock-market funds can range from three to four per cent, with trailing commissions of up to one per cent. On pension funds, the adviser could get anywhere from twenty to seventy five per cent of our first year’s or two years’ payments in upfront commission. Over the longer term, the trailing commission will fall to about a half a per cent. There are some pension plans which pay less in upfront commission. But for reasons which should need no explanation, these tend to be less popular with too many financial advisers. With commission-based advisers there are several risks for investors. The first is what’s called ‘commission bias’ – that advisers will extol the massive potential returns for us on those products which earn them the most money. So they will tend to encourage us to put our money into things like unit trusts, funds of funds, investment bonds and offshore tax-reduction wrappers – all products which pay generous commissions. They are less likely to mention things like index-tracker unit trusts and exchange traded funds as these pay little or no commissions but may be much better for our financial health. Moreover, by setting different commission levels on different products, it’s effectively the manufacturers who decide which products financial advisers energetically push and which they hold back on. Secondly, the huge difference between upfront and trailing commissions means that it’s massively in the advisers’ interest to keep our money moving into new investments. One very popular trick at the moment is for advisers to contact people who have been saving for many years into a pension fund and suggest we move our money. Pension fund management fees have dropped over the last ten to twenty years, so it’s easy for the adviser to sit a client down, show us the figures and convince us to transfer our pension savings to one of the newer, lower-cost pension products. When doing this, advisers can immediately pocket anywhere from three to over seven per cent of our total pension savings, yet most of us could complete the necessary paperwork ourselves in less than twenty minutes.

4. As many fee-based advisers actually earn most of their money from commissions, like commission-based advisers they can easily fall victim to commission bias when trying to decide which investments to propose to us.

5. Most of us will meet a bank’s apparently ‘free’ in-house adviser if we have a reasonable amount of money in our current account or if we ask about depositing our savings in a longer-term, higher interest account. Typically we’ll be encouraged by the front-desk staff to take a no-cost meeting with a supposed ‘finance and investment specialist’. Their job will be to first point out the excellent and competitively high interest rates offered by the bank, which are in fact rarely either high or competitive. But then they will tell us that we’re likely to get even better returns if we put our money into one of the investment products that they recommend. We will be given a choice of investment options and risk profiles. However, the bank will earn much more from us from the manufacturer’s commission selling us a product which is not guaranteed to return all our capital, than it would if we just chose to put our money in a virtually risk-free deposit account. A £50,000 ($75,000) investment, for example, could give the bank an immediate £1,500 ($2,250) to £2,000 ($3,000) in upfront commission plus at least 1% of your money each year in trailing commission – easy money for little effort.

6. Should you have over one million pounds, euros or dollars to invest, you might find an adviser willing to be paid according to the performance of your investments. One problem is that the adviser will be happy to share the pleasure of your profits in good years, but they’ll be reluctant to join you in the pain of your losses when times are tough. So, most will offer to take a hefty fee when the value of your investments rises and a reduced fee if you lose money. Yet they will generally not ever take a hit however much your investments go down in value. The benefit with performance pay for advisers is that they will be motivated to maximise your returns in order to maximise their earnings. The worry might be that they could take excessive risks, comfortable in the knowledge that even if you make a loss they’ll still get a basic fee.

Am I qualified? I’ve written a book!

One worrying feature with financial advisers is that it doesn’t seem to be terribly difficult to set yourself up as one. Of about 250,000 registered financial advisers in the USA, only about 56,500 have the most commonly-recognised qualification. Some of the others have other diplomas and awards, but the large majority don’t. One source suggested that there may be as many as 165,000 people in Britain calling themselves financial advisers. Of these about 28,000 are registered with the Financial Services Authority as independent financial advisers and will have some qualifications, often a diploma. But only 1,500 are fully qualified to give financial advice. The in-house financial advisers in banks will usually just have been through a few one-day or half-day internal training courses in how to sell the particular products that the bank wants to sell. So they will know a bit about the products recommended by that bank and the main arguments to convince us that putting our money into them is much more sensible than sticking it in a high-interest account. But they will probably not know much about anything else. Or, even if they are knowledgeable, they won’t give us any objective advice as they’ll have strict sales targets to meet to get their bonuses and promotion.

However in the world of financial advisers, not having any real qualifications is not the same as not having any real qualifications. There are quite a few training firms springing up which offer financial advisers two- to three-day training courses which will give attendees an impressive-looking diploma. Or if they can’t be bothered doing the course, advisers can just buy bogus financial-adviser qualifications on the Internet. A few of these on an office wall can do much to reassure a nervous investor that their money will be in safe and experienced hands. Moreover, financial advisers can also pay specialist marketing support companies to provide them with printed versions of learned articles about investing with the financial adviser’s name and photo on them as ostensibly being the author. A further scam, seen in the USA but probably not yet spread to other countries, is for a financial adviser to pay to have themselves featured as the supposed author of a book about investing, which can be given out to potential clients to demonstrate the adviser’s credentials. If we’re impressed by a few certificates on a wall, then we’re likely to be doubly so by apparently published articles and books. In one investigation, journalists found copies of the same book about safe investing for senior citizens ostensibly written by four quite different and unrelated advisers, each of whom would have paid several thousand dollars for the privilege of getting copies of the book they had not written with themselves featured as the author.

Of course, only a very small number of financial advisers would resort to tricks like fake qualifications, false articles and bogus books. But the main point here is that far too many of them may know a lot about a few specific products which they are highly incentivised to sell, but may be insufficiently qualified to offer us genuine financial advice suited to our particular circumstances.

Choose Your Personal Life Insurance Plan

Personal life insurance quotes are a kind of safety valve against uncertainties that leave you and your family vulnerable, for example you could be changing jobs or be involved in a serious accident that could affect your daily life. The insurance business is growing rapidly in a dynamic market and has now begun to offer a vast range of insurance products, apart from the traditional ones like life, family health, home, automobile and accident insurance plans.

Now you can choose from a wide variety to suit your needs like travel insurance, critical illness insurance, loan cover term insurance, unit linked endowment plans etc. The entire concept of personal life insurance plans has been re – oriented to not only provide you and your family with insurance against accident and death but also to help you accumulate wealth in the process.

The unit linked pension plans let you choose how you will ive after retirement. These personal life insurance plans allow you to retire comfortably with a retirement income and lets you maximize your investment.

The whole life single premium plan aims at giving you long term growth on your investment, gives you the flexibility to choose the guaranteed surrender periods and you need not undergo any medical check up. The main benefits of this personal life insurance plan is that in the unfortunate event of your demise, your family gets the entire sum assured decided by you, along with the vested bonuses.

A group insurance plan will last as long as you are in service but personal life insurance plan will stay with you for life and will provide succor to your family even after your death. If you have just entered a job then you can choose an endowment policy which essentially gives you savings and protection.

Though it may not give a guarantee of a fixed amount at the end of the specified term but it will give you the guarantee of a certain sum assured in case of death during the specified period. An endowment policy stresses on financial security and personal safety with reasonably good returns. It is the best type of policy to go for if you are planning your child’s future education or marriage, purchasing a house or thinking of taking a vacation.

Unplanned medical emergencies can sap you of all your savings so take a health insurance plan that covers you against any medical emergency or critical illness.

You may think of a long term investment with a universal life insurance policy which gives you a tax benefit and you need not pay premium for the entire term. This kind of policy is good for people who feel the need to be insured even at 70 years of age.

Whenever you buy a personal life insurance policy ensure that you have a low rate of premium to maximize your returns. This is possible is you are mentally and physically fit and are not engaged in any high risk activities that could lead to a higher rate of premium.

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