Do you know anybody who isn’t trying to save more money? Our savings and retirement accounts seem to be worth less these days. Meanwhile the banks are hitting us with higher interest rates and fees. This makes it much harder to save for the future. Sometimes we just have to figure out how we can spend less so we can increase savings, cut our debt, or just make our money last until the last bill gets paid off. Learn about some simple ways to save more money this month.

Most drivers have to purchase auto insurance in order to be legal drivers. On the other hand, car insurance companies have to do business by competing with many other insurers. This can give consumers a great opportunity to save money by comparing car insurance prices.

You really should compare quotes every year. This is true if you have had your policy for 20 years. It is especially true if you have changed anything like bought a new vehicle, added another driver, or moved to another zip code. You should shop the top insurers to make sure they are giving you the best deal on auto insurance.

Nobody can tell you which insurer is the cheapest one for you without knowing anything about you. Different insurers have different rate charts based upon many unique factors like driving history, age, and the type of vehicle. If you need to cover multiple drivers, this gets even more complicated. You can use an internet quote form to find the best insurer for you or your family.

Now let us look at another common bill. Almost everybody has to do grocery shopping a few times a month. This is a fact of life if we want to eat. But it is also a variable bill that we can control. I do not really think that saving coupons or making detailed lists helps that much.

I would suggest having a general idea of the things you want to buy. Then look for store specials. I usually plan meals around what I find on sale. And while I try to look for coupons, they are not usually useful to me. Coupons seem great, but only if you can find one for something you intend to buy anyway. I usually get better deals by buying store brands or looking for sales.

And finally, be sure you prepare some sort of budget. Look at last month’s expenses to see where you may be leaking money. You may be surprised. I know that I was spending a lot of money on some convenience items, and could actually save a lot by planning ahead and buying them in larger sizes to have on hand.

We should compare insurance quotes every year to make sure you are getting the best deal.

Most car insurance policies have certain aspects of it that you will have to pay for if you have an accident or if your car gets vandalized. This part of the policy is commonly referred to a waiver of excess in many countries such as the UK. In the United States the waiver of excess is more commonly referred to as a deductible. If you’re in the UK and decide to rent a car then you’ll encounter a waiver of excess.

When the insurance coverage exceeds the deductable amount the waiver of excess will be paid in full. SO if you accumulate $5,000 in an accident then you will have to pay the excess waiver that was on the insurance policy. This fee is not included with your insurance premium and you’ll have to pay it when you report an accident that you want your policy to cover.

In the example above you’d be better off paying the $2,000 rather than having the insurance company pay the difference and then raise the premium of your car insurance because you made a claim. If you’re a young driver you should be cautious before reporting an insurance claim as most insurance companies will increase the premium by a good amount.

Your excess waiver amount will vary depending on what insurance plan you decide to go with. The higher the deductible that you choose the lower insurance premium will be. If you are a safe driver and have very few claims then you will benefit more from having a higher deductible. However this can cause problems if you are in an accident and end up not being able to pay the excess waiver at the time.

If you have an insurance policy and find the waiver of excess to be a percent rather than a figure you should consider asking if they can get a regular figure for it. This is because the percent can hurt you if you are involved in an expensive accident and have to pay thousands of dollars rather than a set price.

A waiver of excess is usually used to pay off damage that has occurred to your car due to an accident, theft, or harsh weather. Liability only will never have a waiver of excess since it only covers damages done to other vehicles. It’s possible to have better coverage for your waiver of access as well as a lower amount that you have to pay. However this will also increase the cost of your monthly payments.

You might have been led to believe that the waiver of excess is only for auto insurance. However there are many types of insurance that have a waiver of excess on them. Some other types of insurance that you’re likely to see a waiver of excess is health, travel, and home insurance. If you do rent a car in the UK it’s important that you understand that your credit card can and may be charged for damage before it’s reimbursed by the insurance company.

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal, which helps people save on their car insurance.

Take Your Company Public: A Must Read Before You Do Anything! As a consultant in the business of structuring companies, setting up strategic alliances for clients, writing business plans and PPM’s and taking companies public on the OTCBB, I must admit I’ve seen my share of scams and swindling of uninformed clients. One sad issue that permeates the industry is clients who believe that their only option is to give up substantial equity while paying hefty fees to consultants who take your company public.

Here is the reality. When you are investigating the industry to find a consulting firm to work with to facilitate your ‘go public’ process, the first thing you need to do is make sure you are hiring a ‘turn-key’ solutions consulting group; meaning they need to offer everything soup to nuts in house because the second your consultant outsources anything, accountability is lost.

Next, on the issue of paying fees and also giving up equity, it should be either or, not both. If a company tells you that they want you to pay them in both upfront fees and in equity, you should laugh and walk away. In actuality the best deals for the client are those that are simply fee based, not equity based.

It’s better to pay 100k in a few easy installments than to pay millions in stock that will only be liquidated after the IPO which will completely obliterate your stock price and almost certainly ruin your company’s chances of success. It baffles me to see the scenarios that uninformed company owners accept. Currently there is a company that is promoting all over Google Adwords that they will take your company public for $25k and after a month of talking to the company, when you finally agree to use them they break the bad news that they are not going to charge you $25k or anything even close to that, they are, in fact, going to charge you $125k upfront, plus $10k to $20k for your initial SEC audit and on top of all of that they are going to take 30% of your company! It’s shocking but this group of consultants, because of their extensive advertising, has no problem bringing in clients and turning the tables on them at the last minute and sadly, because the client is uninformed, they accept the contract and pay the fees.

If you are going to give up any amount of equity in exchange for the process of going public, it should be with a licensed broker dealer and there should be zero out of pocket expenses from you. Your broker dealer should pay for the SEC audit, S-1 filing, SEC approval, FINRA approval, Symbol achievement and ongoing investor relations to keep your stock price solid. Unless your broker dealer is doing all of this, you need to find a new, full service broker.

Keep in mind, each consulting firm you talk to will give you a million reasons as to why their fee structure and process is the best but here are some comparable facts so that you can make the right decision on how to proceed. First of all, if you get an emotional consultant that acts like he is excited about your project and ‘can’t wait to get started’ this is bogus and you should walk away. The best consultants keep clients at arm’s length and never get emotional because it clouds the process and makes them ineffective. Besides, if they are acting so excited about your company it’s probably because they are trying to convince you of their legitimacy that won’t stand on its own merit.

Next you want to make sure that you are getting a quote on your specific company type which includes at a minimum: corporate structuring, strategic alliance facilitation, board of directors evaluation, business plan authoring built for IPO, investor finder service, SEC audit (the should be able to give you a general idea of the cost of the audit and have a company that you can use as most consultants don’t employ an auditor on staff), S-1 filing, SEC approval, FINRA approval, symbol achievement, market maker or broker dealer relationship/contract setup and investor relations for long term success.

For Corporate Turnaround Services or Investor Finder Services, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!