Moneymatters Advice

Don't wait until we're knee deep in white stuff to sort winter bills. Changes take time, so here are the key things to do now to keep winter's colds and cost at bay.

1.	It's NOT cheaper to leave heating on all day. We asked the Energy Saving Trust and it says it's an urban myth that it's cheaper to leave it on all day rather than set it for an hour before you get up and get home.


2.	Free £150 insulation for EVERYONE. Cavity wall insulation cuts a typical home's bills by £135/yr, loft insulation by £175/yr. The energy companies have latched onto this as part of their enforced obligations to promote energy efficiency so EVERYONE, whoever your provider, can get free insulation worth £150ish. Full info in the New Guide: Free Insulation for all

3.	Switch energy NOW for cheap winter bills. It's the perfect time to switch & many can save £250/year. Plus as Jan & Feb are the year's coldest months and switching takes 4-6 weeks, switch now to slash £100s off bills at the costliest time. Full info in Cheap Gas & Elec but for speed... Top Comparison: Energyhelpline* pays £15 per gas or elec or dual switch Dual Fuel: MoneySupermarket* pays £30 cash, Uswitch* a crate of wine, SimplySwitch* £40 cash. Also check out the Npower £130 cashback deal (cashback quoted is only via these links, not direct).


4.	Warning - find your water mains stop tap ASAP. Frozen pipes often burst when thawing which Axa says the damage costs an avg £25,000. Don't wait for an emergency, check now you know how to turn it off and if you go away, drain the water system or leave heating on a little each day

5.	Slash £100/yr off boiler cover costs. No need to stay with your energy provider's policy. Try comparison site uSwitch* (for belt 'n' braces add Energyhelpline* & Boiler Choices) then check those missed incl Npower's Hometeam 50 and Eon. Always read full policy info for exclusions first. Far more info, options & alternatives in the Cheap Boiler Cover guide.

6.	On prepay - you can still save. Step 1: Ask if you can convert to a 'credit meter' (where you get bills), some do it free. Step 2: If not or it's unaffordable, compare and switch prepay provider, both Energyhelpline* and Uswitch* have prepay comparisons. Step 3: When switching, favour those companies that may convert you to bills for free later - full list & help in Cheap Prepay Energy

7.	Don't walk round naked. If you're profligate with energy, retrain your instincts. If it's cold, it's cheaper to chuck on another jumper (or two) than turn the heat up (adding just one degree costs around £60/year). Plus draught-proofing, done properly, it can save £55/year (make a sausage dog).

8.	Save £100/year with monthly direct debit. Try to pay by MONTHLY direct debit, as you get a discount of around £100/year on typical usage. Your monthly bills are then estimated (if you overpay, it's paid back at the year-end), so always do a meter reading to keep them accurate.

9.	Are you eligible for winter fuel payments? Homes with someone born before 6 Jan 1951 are entitled to winter fuel payments of up to £200 tax-free (£300 for over 80s). If you've NEVER had it before you may have to register. Plus those on pension credit, income support or jobseekers' get £25 per 7 days the temp's below 0°C. Full winter fuel & cold weather help

10.	Check for £1,000s in free energy grants: There's huge free cash available for energy efficiency, eg, the Warm Front Grant pays out up to £3,500. Full info in the Guide: Energy Grant Grabbing

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THE ONES NOT TO MISS

16 Nov 2011

Urgent. Huge 11% cashback on ALL Xmas spends
Bag free £100 on a mammoth new credit card deal | Yet you MUST do a best-buy balance transfer

It's the biggest credit card cashback deal we've ever seen (or dreamed of). You need to pass a credit check, but play your cards right & this new Barclaycard Platinum* gives a free £100 cash (min £20k income). First the stats, then how to do it...

Cashback: 11p per £1 spent up to £100 (£909 spending) but only till 31 Dec. Paid as credit in Feb
0% deals: 20mth 0% balance transfer (2.6% fee), 3mths 0% on all spending
Cashback condition: Must do min £100 balance transfer by phone (£250 online), work-around below
Standard APR: after 0%, it jumps to 17.5% representative APR
When will card come? You can apply until 30 Nov. Should arrive a week after approval.

Get 11% cashback AND shift debts at 20mth 0%. View this Barclaycard* as a corking 20mth 0% with 2.6% fee balance transfer with up to £100 cash on top. Shift debts from other cards, then use it for ALL normal, planned Xmas spending (within credit limit) to max cashback. Best practice is to repay spending in the same month, so you're not increasing borrowing, and shift again or fully clear all debt within the 20mths to avoid the 17.5% rep. APR.

Work-around to use only for cashback. Do-able, but fiddly. As you must do a balance transfer to get the cashback, phone up to shift £100 from another card (if you don't usually use a card, just do normal spending on one to hit £100 then transfer it). Then use it for ALL normal & planned Xmas spend to max the cashback. For bigger planned expenditure, Capital One* (must be homeowner & earn £20k) pays 5% cashback for 3mths up to a maximum £100. With both cards, always set up a direct debit to repay IN FULL to avoid the 17.5%/19.9% rep APRs.

Full info & ALL best-buys in Guides: Top Cashback Cards, 0% Balance Transfers Related: Official APR Examples

Instant Gap 30% off voucher, Kurt Geiger 25%, Warehouse 20% off. Join B&Q 15% off code, Oasis 20% off, Body Shop 40% off, Boots £15 off £100 & more. See Deals Index: Discount Vouchers

£200 of free Disneyland Paris tickets with £10 ferry ticket. Collect 10 newspaper tokens to get 4 x free Disneyland tickets with £9.50 P&O Jan-March day car (up to 4 passengers) returns. It's £19.50 to go Wed-Sun, £29.50 half-term or an extra £30 overnight. Full info in the Deals Note: Disney Day Trip

50p BP car wash voucher (worth £6). It's back. Valid on drive-through or jet car washes. Ends Mon 5 Dec, perfect for clearing the guano. See Deals Note: BP vouchers

Airmiles dies today - urgent action needed
RIP Airmiles, embittered welcome to Avios | Act now to get max value for your points

Many Airmiles collectors nationwide have been spitting, kicking and protesting, but today's merger of reward schemes Airmiles and BA miles into Avios will go ahead. One Airmile becomes 10 Avios (while 1 BA mile becomes 1 Avios) and big changes are afoot. See our Airmiles Changes guide, here are the headlines.

Airmiles collectors can beat charges. Under Avios, for the first time, Airmiles collectors will pay taxes and charges when they book flights. Many will face a shock £300 on a New York return. Yet you can still book on the Airmiles scheme until 15 Dec, so if you've enough points, book soon to avoid paying more.
A few gain under short-haul changes. While most should book flights in Airmiles by 15 Dec, on some European routes from non-London airports you could be better under the new scheme. Here, taxes & charges are capped at £27 for most and the 'non-London' points premium's gone, so the loss in cash may be offset if you need fewer points. To find out how, see the book or wait tips in our guide.
Hold off exchanging Clubcard points for Airmiles. Unless you need the extra Airmiles to book before 15 Dec, wait before converting Tesco points to Airmiles until 26 Jan as there's a Clubcard promo starting for two months - instead of 250 Tesco points being worth the usual 600 Avios (60 Airmiles) they'll be worth 1,000.
BA Miles collectors - little change. Only a few changes to the zone map.

Urgent. £10 English National Opera tickets code (usually up to £98). For Castor and Pollux performances 19 & 24 Nov, 1 Dec at The London Coliseum. See Deals Note: Cheap Days Out

Free £20 Kurt Geiger accessories with giftcard in £4 mag. We thought it was shoes-only, now it's said £20 off also includes bracelets, cardholders & coin purses - cracking gifts. See Deals Note: Kurt Geiger

Flog it. Make fast cash by Xmas
Are you sitting on a hidden mini-treasure trove? Make £100s from unwanted stuff
If a few quid more in the Xmas fund would go a long way, now's the time to act. We've scythed through our Boost Your Income guide to find the floggable stuff where cash will come in time. Many small payouts can add up to a big windfall....

Old CDs, DVDs & computer games. For speedy sales plug info on old CDs, DVDs & computer games into Music Magpie* & TurnIntoCash to get an instant price, then they give you a freepost label to download. The cash should arrive in a couple of weeks, at roughly £30 per 20 CDs, £35 per 20 DVDs and £40 per 20 games. For newish items, if you've a bit more time, sell them on eBay* to make more.
Up to £250 for an old mobile. Whether you've recently upgraded or fancy a rummage through your drawers, old handsets can be worth serious cash. To find the best payer for any handset, use our MobileValuer comparison. There are huge differences between the best and worse. Eg, sell the HTC Desire S and get between £56 and £145. With selling iPhones, payouts can be £250.
Flog old gold for £100s. Postal gold produces more horror stories than Stephen King, but we've found a few good ones, eg, £105 for an 18ct gold ring. Full run-down and how to avoid rip-offs in the Gold Selling guide.
Clear your book-shelf for cash. Unless they're rare or collectable (then consider specialists) Amazon* & Green Metropolis are the best option for selling stacks of old books. Just tap out the title & a brief description. You may get £3 for a paperback in good condition, though this usually must cover postage costs, so factor that in.
De-junk everything. Don't stop there, whatever else you've got, if you don't need it and won't use it, flog it. It may also release valuable space in your home. An easy way is eBay it - see the Ebay Selling guide. There are also car boot sales, antiques markets, classifieds like Gumtree and more.

Related: Reclaim Lost Tesco Points, Rent your parking space, give yourself a full Money Makeover

£19 The Sanctuary gift set at Boots (usually £40). We've been tipped off it's in-store Fri 18 - 24 Nov. It has 6 items, incl body wash, body butter & bath oil. Usually hot with forumites. Deals Note: Cheap Beauty Deals

EXTRA 10% off code for up to Debenhams 40% Christmas sale. Use a discount code for an extra 10% off the online sale, ending Sunday, with free delivery to boot. See the Deals Note: Debenhams Sale


	Tell friends about us! They can get this free every week

10p/litre off petrol with £60 spend at Sainsbury's. Get vouchers in-store and online till Sunday, valid at its forecourts for two weeks. Or 6p/litre off with £40 spend at Morrisons. Updated Guide: Cheap Petrol

£25 for TWO La Senza PJs (usually £30 each). Very popular last year (though it was 2 for £20 then), it's in-store & online (£3.45 del.) till Mon 5 Dec. Top (& bottom) Xmas pressie. See Deals Note: La Senza PJs

Free landline installation
Want a new or second line? Cracking deals available | Or £7.75/mth for landline & broadband
We're held hostage by our landline, even if you don't use it for calls, we need them for broadband (unless you've cable). Thankfully, a few corking new promos can cut installation costs. Full info in Cheap Home Phones. Here are the headlines:

Free line installation with £13/mth line rent & b'band deal. Primus's* combined line rental and broadband's already cheaper than BT standard line rental alone, and we've managed to blag free line installation for MoneySavers on top (usually £59) if you sign-up to its £12.99/mth package for 12mths for inclusive evening and weekend calls to landlines, it's £1/mth more.
Cheapest BT deal £30. To get a new BT line* installed for £30, instead of the usual £130, take a BT phone package with an 18-mth contract, thought the cheapest line rental is £13.90/mth (rising to £14.60 in Dec). You'll need make at least 10 calls (free ones count) per month, or you'll be billed an extra £5.15/month.
Reminder: Landline & broadband for £7.75/mth(ish). This is the cheapest bundle we've ever seen. TalkTalk Essentials* has free evening and weekend calls plus broadband (available to 85% of UK) at £3.25/mth on a year's contract. Pay the £114 line rental upfront and sign-up via uSwitch (link takes you there) to get a £60 Tesco voucher. Factor that as cashback and it's £93 for the year, an average £7.75/mth.

For full info on all the latest landline deals Read: Cheap Home Phones. Related: Cheap Broadband.

Housing benefit cuts - are you affected? If you receive housing benefit or plan to, changes are coming on 1 Jan 2012 including 'you only get cost of bedsit/one room if you're single' now applying to under 35s (was 25). These & more in the Updated Guide: Housing Benefit Help

Forum Hottie

Urgent. Past Times 2for1 on ANYTHING code. Full price items only. Ends Thur 17 Nov. Popular code at the historical themed gift store. See the Deals Note: Past Times Discounts

FREE guard for your cards
Protect your credit, debit, loyalty and gym cards in case you lose them

We've all been badgered by card companies asking us to pay for policies to protect our cards against theft. For most, the benefits are limited, and there's much you can do yourself. To help, we've a free tool:

Try the free Cardsgone.com. Cardsgone.com allows you to list all your cards and then gives you a special link. Save the link & click it if you lose your cards and it lists them with all the up-to-date numbers you need to call to cancel. For security, by giving the results in a link, we never need store your personal info.
It includes credit, debit, loyalty, gym cards. We started off with the obvious: credit & debt cards, driving licences and loyalty cards. But over past 18 months we've been flooded with requests. So it now includes blood donor cards, Royal Horticultural Society membership and even Johnson's Dry Cleaners' card. Suggest more and we'll try to add them.
Don't double up on card protection policies. If you pay for policies such as CardGuard or Sentinel (different to PPI) for the convenience & insurance, one policy is normally enough for every card from everyone in a household. Check you're not double covered.

£10 London-Edinburgh train tickets. Travel Tues-Thur from Lndn to Ed'burgh £10 each way till 9 Feb. 700 available per day via The Scotsman newspaper's site. Details in Deals Note: Cheap Train & Coach Deals

Forum Hottie

3 x MUA make-up £2 at Superdrug. Choose from nail varnish, mascara, eyeshadow & lipstick, liked by forumites at £1 each, so they see this as a boon. See Deals Note: Cheap Beauty Deals

Restaurant Vouchers	Discount Vouchers	Top Deals
Strada 2for1	Gap 30% off	Kindle £79 with code (RRP £89)
Prezzo 2for1 for £2	B&Q 15% off	Tesco clothes sale incl £20 coats
YO! Sushi 5 plates £10	Body Shop 40% off	SMA follow-on milk free samples
Young's 2 mains & wine £20	Warehouse 20% off	£19 Dover-Calais rtn + 6 btls of wine
Toby Carvery Free ice-cream	Oasis 20% off + free p&p	Premier Inn £29 room sale incl Xmas
All Restaurant Vouchers	All Discount Vouchers	More Deals

Big & Easy Ways To Save
Quick links or click the titles for full pros, cons, alternatives & more savings

See all official APR examples

0% Balance Transfers: £3k+ transfer: 0% 22 mths, 2.9% fee & £40 refund Barclaycard*. Sub-£3k transfer: 22 mths, 2.9% fee, £30 cash via comparison site (both 17.5% rep. APR). 0% 20 mths, 2.99% fee: Virgin* (18.9% rep. APR).
Top Bank Accounts: Free £100 + 5% interest + 0% overdraft: Santander*. Free £100 + top cust service: First Direct*. £5 per mth: Halifax*
0% for spending: Tesco* 0% for 15mths & earn Clubcard pts (16.9% representative APR) or M&S* 15mths 0% plus 0.5% back in vouchers (15.9% rep. APR after)
Car Insurance: Use both MoneySupermarket* & GoCompare*, add Direct Line* & Aviva* that they miss then get cashback. Also see: Van, Motorbike
Home Insurance: Use as many as poss of GoCompare*, MoneySup*, CompareTM*, & Confused* + Direct Line* & Aviva* that they miss
Cheap Travel Insurance: Annual cover: Individuals from £17, couples from £35, over-65s £36 and more
Cheap Personal Loans: £5k-7.5k: Sainsbury's* 7.9% rep APR for 1-3 yrs loans (need Nectar card) or A&L* 8% APR. £7.5k-15k: Nationwide* 6.1% rep APR for Flexaccount holders, or 6.2% for everyone else. All APRs are representative rates
Free Printed 30 page+ MSE Guides: Remortgaging, Mortgages, Annuities, Mental Health & Debt

MORE MONEYSAVING

£22.50 tickets for West End Elvis musical Million Dollar Quartet. Usually £45, valid for Mon-Thurs shows until 13 Jan 2012. Pay £30 for Fri shows. See Deals Note: Cheap Days Out

Donate leftover paint to your community
The brilliantly named Don't put it in the shed, give it to us instead campaign is collecting leftover tins of paint to redistribute to local charities, community & voluntary groups and individuals on low incomes. Non-profit Community RePaint is asking for unwanted, half-empty tins of paint before winter ruins it, so if you have any, find your nearest collection point of 60 around the UK. Related: Freecycle/giveaway sites, eBay selling tricks Suggest yours: Please send us a campaign of the week suggestion

Free chicken tikka masala at Yates's (buy drink). New users sign up before Wed 30 Nov to get a free curry worth £6ish when you buy any drink. Deals Index: Restaurant Vouchers


	Spill the beans... how much do you splash per kid for Xmas? Is your spending higher than Santa flies, or do you have tips to keep it cheap? Is it in proportion to income and do you spend the same on each child? Spill 'em: How much do you spend on your kids for Xmas? Past topics: View all

Book Giveaway RESULT. Eragon. 50 copies blagged for MoneySavers. Check your inbox to find out if you got one

Real Life MONEY MORAL DILEMMA:
Our dog ruined the neighbour's curtains - should we pay?
This week's MoneySaver who wants advice asks...
Our friends offered to look after our dog while we were away on holiday "to have a trial run on what it's like to own a dog". The dog was kept in his cage when left alone (he's used to that) but fireworks distressed him and he managed to pull nearby expensive curtains into the cage and ruin them. Our friends' home insurance won't cover damage by pets and neither will our pet insurance. They say the curtains are worth £1,000 and expect us to pay up. Enter the Money Moral Maze: Should we pay for neighbours' curtains? Previous MMDs: View All Suggest: A Money Moral Dilemma

Spill the beans... revealed on renting a spare room for your holiday.
Last week we asked MoneySavers to share their experiences on renting a room from strangers. MoneySaver coolster1 managed to bag a posh $50/night room in New York, Frugaloo got guided tours while couch surfing and herbie_53 bagged a small flat for £30/night in South Korea.

CHEAP FLIGHT SALES ALERT:
Airline: Easy Jet Price: £28+ each way Ends: When 350,000 go
Our pick this week is the Easy Jet £27.99 sale: The promotion's on until all 350,000 promo flights have gone, for travel from 01 - 31 Dec 2011 and includes some taxes and charges. To find the cheapest seats quickly use the FlightChecker on a £30 max search. Extra charges warning: Avoid payment and check-in charges, see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance.


Quick Forum Tips	Andrea's Freebies

Top pick! Free McDonald's retro glasses with large meal. Lovin' it	Kerrygold recipe e-book
Lindt mini bags 2 for £2. Usually £2 each at Tesco. Excel-lindt	Pantene shampoo samples
£6.66 12 piece dinner set. Was £14.99 at Argos. Bargain	Huggies DryNites samples
Free £11 Ikea blanket with £3.30 mag. Fleecy good deal	Free iPhone apps
3for1 Bird's Eye Fishfingers, Kellogg's 2 for £4 at Morrisons. Stock up!
£3.50 wrapping paper & bow sets at Debenhams. It's a wrap
Debt Free Wannabe chat of the week: I started a spending diary
Competitions thread of the week: Designer wedding dress
Old Style (Thrift) Board thread of the week: What did you learn in 2011?
More Tips: Tips, Tricks & Treats	Try: Freebies Roulette

Martin's Stuff

Cheap Travel Cash

Latest Blogs
"I've had terrible service, why do you still recommend them?"
Giving my 'dance teacher' a shock

Appearances This Week: Wed 16th - Tues 22nd November
Lorraine, ITV1, Thurs, between 8.30 & 9.30am. Real Deals. Shelagh Fogarty, Radio 5, Thurs, 12-1pm. Consumer Panel. Daybreak, ITV1, Fri, between 7 & 8.30am. Subject tbc.

UK's Best Currency Rates
£100 will buy you:
		Best	Worst
	€	116.40	105.41
	$	157.80	142.89
	TL	277.00	252.13
Rates correct at 4pm Tues
Find all top currency rates Compare travel cash

Martin's Facebook Page

All Martin's Appearances

Cheap Travel Money Guide

BOARD OF THE WEEK:
Employment, Jobseeking & Training
This board is great for the jobless or unemployed to swap tips. Recent discussions include What's the job situation like in your area?, drop and go any good? and new job and lunch. Related Guides: Family MoneySaving, Boost Your Income

Question Of The Week

MoneySaving Polls

Q. I have legal cover on my car, home contents and buildings cover. Would having legal cover on just one of them be sufficient? Norma

MSE Tony's A: Legal cover is designed to help pay for legal expenses (such as personal injury claims you make after an accident), plus will mean someone does the donkey work for you when you're claiming off someone else's insurance. It's usually optional.

When you do go for it, the cover generally only applies to the specific insurance you are paying for it on, so your car insurance legal cover won't help with disputes on your home insurance. However, the main exception (good news for you, hoorah) is if you have separate buildings and contents insurance you do NOT need legal expenses on both, just on one of the policies.

So check the legal cover you get on those, choose which is cheapest (ensuring you are still covered for what needs protecting) then get rid of the other.

This week's poll:

How do you rate your telecoms provider?

Last week's poll result:

Which Prime Minister would you resurrect?

An overwhelming 60% of MoneySavers think Margaret Thatcher would be the best former Prime Minister to get Britain back in shape. Tony Blair was second with 14%, followed by Gordon Brown with 10%. 27,173 people voted.

Suggest a question of the week (big general issues not personal q's pls)

See Full Results


	Archna's FREE GAME OF THE WEEK: Focus

How goods' you're spelling and grammer...

That's it for this week, but before we goes. When you uses the forum or Facebook or Twitter, is you're grammer and spelling up to scratch. Theirs a great test that you should deinitely check out to see whether your getting it write take the spelling test

We hope you save some money,

Martin & the MSE team

Important. Please read how MoneySavingExpert.com works

We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

What you need to know

This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service.
We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips).
We often link to other websites, but we can't be responsible for their content.
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

Please read the Full Terms & Conditions, Privacy Policy and how this site is financed. Martin Lewis, MSE, Money Saving Expert, MoneySavingExpert and Moneysavingexpert.com are registered trademarks belonging to Martin S Lewis.

More about MoneySaving Expert and Martin Lewis

What is MoneySavingExpert.com?

Founded in February 2003, it's now the UK's biggest consumer help website with over 6 million people getting this email and nearly 10m using the site. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half of whom are editorial researching, analysing and writing to continually find ways to save money. More info: See About MSE

Who is Martin Lewis?

Martin set up and runs MSE, he's an ultra-focused money saving journalist and consumer campaigner. He has regular slots on Daybreak, Lorraine, Radio 2 Vine, BBC1 Watchdog, Radio 5 Consumer panel and presents ITV Tonight. He is a columnist for amongst others the Sunday Post as well as an author. More info: See Martin Lewis' biog

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As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too:

Unaffiliated web-addresses for links in this email

moneysupermarket.com, uswitch.com, simplyswitch.com, boilerchoices.co.uk, npower.com, barclaycard.co.uk, capitalone.co.uk, musicmagpie.co.uk, ebay.co.uk, amazon.co.uk, homephonechoices.co.uk, productsandservices.bt.com, uk.virginmoney.com, halifax.co.uk, santander-products.co.uk, firstdirect.com, money.marksandspencer.com, gocompare.com, directline.com, aviva.co.uk, comparethemarket.com, confused.com, americanexpress.com, sainsburysbank.co.uk, energyhelpline.com.

Financial Services Authority (FSA) Note

Referring people to insurers or insurance intermediaries can in some circumstances require FSA authorisation. For this reason, Martin Lewis of Shepherd's Studios, Charecroft Way, Shepherd's Bush, London W14 0EH is authorised and regulated by the Financial Services Authority.

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Facts, Tips & Tools to Build Your Millionaire Mindset - Issue 11

2011-11-11T22:57:00.001-08:00

All Money Matters
Facts, Tips & Tools to Build Your Millionaire Mindset
Issue 11
============================================================

To view this Newsletter online, go to:
http://www.allmoneymatters.com.au/factstipstools11.htm

Hi Moneymatters

FACTS
============================================================

Derivatives

"Derivatives" is a financial product (Options,
Warrants, CFD's and Futures) whose value is 'derived'
from another, linked financial product (shares or
commodities). Derivatives are used to gear or leverage
investments in shares and/or commodities. They do not
represent physical, tangible assets directly but are
linked, via the actual share or commodity, to those
assets.

For example, BHP Options give the option holder the
opportunity to purchase (Call Option) or sell (Put Option)
a given number of BHP Shares at a future date at a specific
and agreed price (this is called the "exercise price")
should that Option holder choose. 1 Option usually equals
1000 Shares.

Options and Warrants can also be used to earn extra income
and hedge against market fluctuations.

Derivatives are normally used by professional fund managers
and sophisticated investors. All derivatives are to be
treated seriously and with respect; yes profits can be
multiplied, but so can losses.

If you haven't understood the above description, take
that as a clear indication that you need to either stay
clear from this type of investing or learn more, much
more!

TIPS
============================================================

- Do your homework! Sign up for stock exchange courses, and
make a few hypothetical or "paper" trades to get a
concrete idea of the risk. Prices can move quickly, up and
down – that is part of the high risk/high reward profile.
After you are comfortable with the idea, see a stockbroker.

- This is a complex area of investing, don't use, or be
talked into using, derivatives until you completely
understand the concepts and processes involved.

TOOLS
============================================================
www.asx.com.au - This is the Australian Securities Exchange
website and it contains lots of educational material on
Derivatives. We have not suggested any other sites as we do
not wish to recommend any specific broking houses.

============================================================
"Investment must be rational;
if you can't understand it, don't do it."
Warren Buffet
============================================================

Till next time ...

Louise Brogan
All Money Matters
www.allmoneymatters.com.au

All Money Matters, PO Box 298, Palm Beach, NSW 2108, Australia

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Better Budgeting Class Starts Monday - Register Today!

2011-11-11T07:00:00.001-08:00

Living a Better Life ®
November Class Update
www.BetterBudgeting.com

Nov. 11, 2011

Thank you to everyone who has sent in well wishes and prayers for our
family's health issues. We are getting better, slowly but surely. Your
letters warm our hearts and give us hope for the future. We appreciate each
and every one of you. You are such a blessing to us, we hope we are a
blessing to you as well!

Our Nov. issue of Living a Better Life will be published next week; Lord
willing!

If you have already taken my class please disregard this friendly reminder.
(Class reminders are only mailed out a few times a year, about once or twice
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Daily Headlines: Thursday, November 10, 2011

2011-11-10T11:09:00.001-08:00

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November 10, 2011

News By Region National International East Midwest Southeast South Central West Video

Today's Headlines

National

U.S. Reopens Public Database of Malpractice Claims Against Doctors

The U.S. government reopened public access to a database of malpractice claims and damages paid by doctors, with new restrictions that ...

Electronic Medical Records Not Without Risks to Patient Safety: Report

The nation's transition to electronic medical records, now in full swing, risks overlooking potential patient safety problems, independent ...

Life Insurer Sues Bank of America Over Mortgages

Bank of America Corp. and its Countrywide Financial unit were on Wednesday hit with a new lawsuit alleging fraud in the sale of residential ...

Insurance Executives Turn Pessimistic Over Business Outlook: Survey

Many U.S. insurance executives believe that business conditions have worsened compared to a year ago. Faced with continuing economic ...

Allstate Announces $1 Billion Share Buyback Plan

Allstate Corp.'s board of directors has approved a new $1 billion share repurchase program. The Northbrook, Illinois-based company will ...

11/11/11: What's In a Number?

November 11, 2011 might hold special significance for some, since the date can also be written 11/11/11. When the calendar and its numbers ...

S&P Lowers State Auto Group's Operating Company Ratings to 'BBB+'

Standard & Poor's Ratings Services has lowered its counterparty credit and financial strength ratings on the operating insurance ...

Ratings Roundup: Torus Specialty, Assurant, National American

A.M. Best Co. has affirmed the financial strength rating of 'A-' (Excellent) and issuer credit ratings of "a-" of Torus Specialty ...

Towers Watson to Expand DriveAbility Program

With an increasing number of automobile insurers implementing usage-based insurance (UBI) products that analyze data from in-car devices ...

Architects & Engineer Class Held Hostage by Price Cutting, Overcrowding

Even with historically low rates, tough competition, and a reduction in business, the architects and engineers professional liability class...

More National News

East

Tower Group Has $16.4M Q3 Loss, Hurt By CAT Loss From Irene

Tower Group reported a net loss of $16.4 million attributable to common shareholders in the third quarter. In contrast, the insurer had ...

Selective Insurance Announces Two Promotions

Selective Insurance Group in Branchville, N.J., announced two promotions in its Selective Insurance Company of America subsidiary. Dana ...

CRC Insurance Services Appoints Casualty Broker in New Jersey

CRC Insurance Services, a wholesale broker headquartered in Birmingham, Ala., hired Kenneth Echols as a casualty broker for the Parsippany, ...

BDO Consulting Appoints Head of Insurance Claim Services in D.C.

BDO Consulting, a professional services provider, appointed Clark Schweers as managing director and head of its insurance claim services ...

More East News

Midwest

Missouri Pastor Pleads Guilty in Death of Congregant, an Insurance Agent

A former western Missouri pastor has pleaded guilty in the death of a former member of his church. Fifty-two-year-old David Love of ...

Signature Select LLC Acquires Kansas-based Cassell Insurance

Signature Select LLC, a retail insurance broker subsidiary of the IMA Financial Group Inc., has acquired Cassell Insurance of Wichita and ...

Bank of North Dakota May Offer Homeowners Low-Interest Disaster Loans

A key provision in the North Dakota Legislature's disaster aid bill would provide low-interest, unsecured loans of up to $30,000 for ...

More Midwest News

Southeast

Chaney Re-elected Mississippi Insurance Commissioner

Insurance Commissioner Mike Chaney won re-election in Tuesday's voting in Mississippi. Chaney, a Republican from Vicksburg, defeated ...

Florida Looks to Tampa as Leader in Fight Against PIP Fraud

The move by one Florida county to crack down on auto insurance fraud by targeting staged accidents and regulating clinics is being seen as ...

More Southeast News

South Central

Coast Guard OKs Winding Down BP Spill Cleanup

BP will no longer be responsible for cleaning up oil that washes up on the Gulf Coast unless officials can prove it comes from the ...

Former Louisiana Lawmaker Shepherd Released to Halfway House

A former Louisiana state senator who pleaded guilty to money laundering in a fraudulent security bond fraud case has been released from ...

IBTX Risk Services Moving to New North Texas Location

IBTX Risk Services is moving its Dallas/Fort Worth office location to the Las Colinas Corporate Center II in Irving, Texas. The Nov. 18 ...

Federation of Insurance Women of Texas Elects New Officers

The Federation of Insurance Women of Texas, or FIWT, has installed new officers for 2012. Newly elected officers are: President Conya ...

More South Central News

West

Another Suit Filed in Reno Air Race Tragedy

Another lawsuit has been filed in the Sept. 16 Reno Air Race crash that killed 11 people, including the pilot, and insured nearly 70 other ...

Powerful Storm Damages Roofs in Nome, Alaska

High winds and surging waves pummeled Alaska's western coast Wednesday, churning the Bering Sea and forcing residents of Nome and isolated ...

Colorado Wants Insurance Company to Cut Severance

Colorado wants top executives at the state-chartered workers' compensation insurance fund to waive big severance payments if the ...

Parents of Montana Shooting Victim Sue Shooter's Father

The parents of a 10-year-old boy who was shot and killed by another boy in March have filed a lawsuit against the shooter's father and the ...

More West News

International

AIR Updates Analysis of Thai 'Historic' Flooding; BI Will Impact Insurers

According to catastrophe modeling firm AIR Worldwide, "historic flooding in Thailand continues to damage residential properties and has ...

Australia Urges Breaking up Doha Round into Smaller Pacts

Australia wants World Trade Organization members to recognize that reaching a comprehensive deal in decade-old world trade talks has become ...

Zurich Reports $3.2 Billion 9-Month Net Income; Operating Profit $3.258 Billion

Zurich Financial Services Group reported a business operating profit (BOP) for the nine months ended September 30, 2011 of $3.258 billion, ...

Hannover Re Posts $518 Million 9-Month Net Income

Germany's Hannover Re expressed satisfaction with the Group's net income for the first 9 months of 2011, as it posted a profit of €381.7 ...

Willis Report Concludes Airline Industry is Buyers' Market

An analysis from Willis Group Holdings concludes that "despite ongoing global economic challenges, the airline industry continues to ...

Hicks Joins UK's Miller for Corporate Risks

London-based broker Miller Insurance announced that it is "expanding its successful Corporate Risks team and reinforcing its client service ...

More International News

Join the Insurance Journal Network

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	Does Innovation Miss the Mark? Michael Lee, founder, chairman and CEO of the Tower Group, doesn't believe innovation runs... Watch Now
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New Discussions in the Forums

What websites or app are agents using?
Posted: Thu Nov 10 -- Sethm, Could you be more specific regarding what software you use? Thanks, twobeacon

Energy Savings Insurance (ESI)
Posted: Thu Nov 10 -- According to an article I read, like any other insurance, ESI has its risks and coverages. Below are a few of them: - Not performing... robmejia

Business Loss - Travel Insurance
Posted: Thu Nov 10 -- Hi forumquestions, Can you elaborate on your question please? I'm wondering how business loss can be connected with a travel insurance. robmejia

Identity Theft coverage
Posted: Thu Nov 10 -- I read an article stating that it is stupid investment that one mustn't take. It's coverage is so small that it's basically a waste of... robmejia

Chicago IL area insurance agencies who sell TRAVEL Insurance
Posted: Thu Nov 10 -- There are various companies online who sell travel insurance depending on the location they're residing. I'm wondering this kind of... robmejia

Internet Seach Company
Posted: Thu Nov 10 -- Yeah I agree with chizcurl. It's better to have an in-house SEO so your website can be optimized thoroughly and continuously. It might also... robmejia

Inland Marine Fraud
Posted: Wed Nov 9 -- Our agency recently wrote an Inland Marine policy for a business that needed coverage for about $230K worth of equipment financed by a large... threed

Wholesale Distr to Oil & Gas contractors in AR
Posted: Wed Nov 9 -- I'd like to talk to you about this risk as I may be able to help. We've had experience with this type of risk in AR before. Not sure of the... dlaughlin

Dental Plan or Dental Insurance
Posted: Wed Nov 9 -- Dental insurance is NOT insurance. This is a fallacy that many patients do not understand. The benefit from a dental insurance is a fixed... gandk452

Go to Forums

Reader Comments

S&P Lowers Outlook on Allstate and Subs to Negative; Affirms Ratings
Posted: Thu Nov 3 -- To much Mayhem........ Agent

Motorcycle Helmet Repeal Approved in Michigan House
Posted: Fri Nov 4 -- Thank you, Michigan, for such a stupid decision! I have seen more than one commercial policy limits claim paid for drivers involved with an... Candace

Appeals Court Upholds Obama Healthcare Law
Posted: Tue Nov 8 -- Liberal legislation from the bench again. Just read the Constitution. General Welfare clause my A*s. Whats to prevent the Fed from telling... Sarah

Insurers, Policyholders Clash Over Business Interruption Claims
Posted: Mon Nov 7 -- The argument that the hotels would have profited from the hurricane if they hadn't been impacted is totally self-serving and illogical. If... Scott

Wisconsin Teen Settles Police Dog Bite Claim
Posted: Mon Nov 7 -- It is the "cheaper to settle" attitude that costs all of us in the future. $200k is a lot to pay when you've done nothing wrong and for a... hakadjuster

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New Markets Daily: November 10, 2011

2011-11-10T11:08:00.001-08:00

Having trouble reading this email? View it in your browser. Not interested anymore? Unsubscribe Instantly.

Market Directory | Featured Articles | Latest Forums | Ask a Question

November 10, 2011

Golf and Country Clubs

The Preferred Club Program is an industry leading insurance and risk management provider exclusively for golf and country clubs - and its underwritten by three A.M. Best "A" rated or better carriers.

States: All states

Offered by Venture Programs

View details

Market Announcements

Senior Centers/Independent Living

Our Independent Living Centers for Senior Citizens is a very competitive and complimentary program to our Assisted Living ...

States: AL, AR, AZ, CA, CO, GA, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY

View details

Security Guard Auto

Izzo Insurance has added an A XV admitted auto market for security guards and investigators to compliment their portfolio of ...

States: All except AK

View details

Medical Spa and Anti-Aging Facilities

Medical spas and related anti-aging facilities are owned and staffed by individuals with highly specialized knowledge, but they are ...

States: All states

View details

Dentists

Professional Liability, Fire, Earthquake, Property, Liability, EPLI, Personal Property

States: CA, TX

View details

Feature Articles

Architects & Engineer Class Held Hostage by Price Cutting, Overcrowding

Even with historically low rates, tough competition, and a reduction in business, the architects and engineers professional liability class... Read more

MyNewMarkets.com Call For Article Submissions & Guidelines

MyNewMarkets.com welcomes submissions of story ideas and bylined articles. Below you will find a basic guideline on how to submit a story... Read more

Risk Management a Hot Topic on Chubb's New 'Risk Conversation' Web Site

Chubb has created a new interactive Web site designed to offer risk management services to consumers and businesses. The new site, called... Read more

Latest Forums

Truck Brokers Insurance CA

Have a client who says they are a Truck Brokerage, new venture, and looking for insurance. They do not own any vehicles but they do ...
by terryduke on Wed Nov 9, 2011

E&O insurance agent calif

need a market to shop e & o.
by benkins on Wed Nov 9, 2011

Rough in AND Roofing - MO

I have a start up agency in northcentral Missouri. An Amish contractor wants GL coverage for his LLC - he does rough in ...
by franklininsurance on Wed Nov 9, 2011

Re: Freight Forward / Contract Carrier - Auto Liability

Dear Ryan, We manage several programs, some exclusive, for these operations. I can help and underwrite this risk but we need to ...
by rennaj on Wed Nov 9, 2011

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Insurance Mergers & Moves: Thursday, November 10, 2011

2011-11-10T11:07:00.001-08:00

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November 10, 2011

Business Moves & Mergers of Special Note

	LexisNexis Selling P/C Insurance Software Business Nov 9, 2011 -- LexisNexis Risk Solutions said it is selling its property/casualty insurance software business to a San Francisco-based private equity ...
	Wisconsin's Partners Mutual to Affiliate with Penn National Insurance Nov 8, 2011 -- Partners Mutual Insurance Co. (Partners Mutual), headquartered in Waukesha, Wis., and Pennsylvania National Mutual Casualty Insurance Co., ...
	Brown & Brown of Northern California Acquires Sitzmann Assets Nov 8, 2011 -- Brown & Brown of Northern California Inc., a subsidiary of Brown & Brown, Inc. has acquired substantially all of the assets of ...
	Marsh & McLennan Agency Acquires Gallagher & Associates Nov 3, 2011 -- Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., has acquired Minnesota-based Gallagher & Associates ...
	Arthur J. Gallagher & Co. Acquires Trissel Graham & Toole Nov 2, 2011 -- Arthur J. Gallagher & Co. has acquired Trissel Graham & Toole Inc., headquartered in Davenport, Iowa. With roots dating back to ...

Business Moves & Mergers

Validus' Increased Offer for Transatlantic Presented Directly to Shareholders

Nov 9, 2011 -- The ongoing battle between Validus Holdings and Transatlantic is heating up again, as Validus announced a series of moves aimed at ...

ISU Adds ISU Cunnington & Associates

Nov 8, 2011 -- ISU International has added ISU Cunnington & Associates to the ISU Network. Founded in 2005 and owned by Greg Cunnington, ISU ...

Mass.-based Farrell Backlund Agency Acquires Richardson-Cuddy

Nov 8, 2011 -- Taunton, Mass.-based Farrell Backlund Insurance Agency has purchased Richardson-Cuddy Insurance Agency in the nearby city of Attleboro, ...

Homeowners Choice Assumes HomeWise Policies in Florida

Nov 8, 2011 -- Homeowners Choice Property and Casualty Insurance Co. said it has acquired HomeWise Insurance Co.'s book of business in ...

Ohio's Dumbaugh Insurance Agency Joins Keystone Insurers Group

Nov 8, 2011 -- Mount Vernon, Ohio-based Dumbaugh Insurance Agency is now a partner in Keystone Insurers Group (KIG). Dumbaugh Insurance is Keystone's ...

Penn.-based Keystone Insurers Group Adds New Partner in Ohio

Nov 8, 2011 -- Keystone Insurers Group, a franchisor of insurance agencies headquartered in Northumberland, Penn., has added a new franchise ...

California MGA Yates Opens Northern California Office

Nov 8, 2011 -- Tustin, Calif.-based managing general agent Yates has opened a northern California office in Walnut Creek . Jon Uyeyama has joined the ...

Private Equity Firm Acquires DAVID Corp. of California

Nov 7, 2011 -- Private equity firm Phoenix Asset Management has acquired DAVID Corp., a provider of risk management and insurance software and services. ...

Medicus Gets "A" Rating from A.M. Best Following Acquisition by NORCAL

Nov 3, 2011 -- Insurance rating service A.M. Best has given Medicus Insurance Co. an A (Excellent) rating following the company's acquisition by San ...

BB&T Continues California Expansion with Precept Acquisition

Nov 3, 2011 -- BB&T Insurance Services has acquired Precept Group, an employee benefits consulting and administrative solutions firm, as part of ...

Liberty International Opens New Office in Hamburg

Nov 1, 2011 -- The London-based Liberty International Underwriters in Europe (LIU Europe), a member of Liberty Mutual Group, has opened a new office in ...

BrokersLink Adds 8 New Members

Oct 31, 2011 -- BrokersLink, a major independent international insurance broker network, announced that new brokers had joined the organization in Israel, ...

Hedge Fund Guru Cohen to Set up Reinsurance Business

Oct 28, 2011 -- Steven A. Cohen, who built one of the world's biggest and most successful hedge funds, is branching out and plans to set up his own ...

Best Sees No Rating Changes from of Flagstone Reassurance Restructuring

Oct 25, 2011 -- A.M. Best Co. has commented that the financial strength rating of 'A-' (Excellent) and the issuer credit ratings (ICR) of "a-" of Flagstone ...

Perr&Knight Relocates California Headquarters to Santa Monica

Oct 24, 2011 -- Insurance industry consultant Perr&Knight has relocated its headquarters from Pacific Palisades, Calif. to Santa Monica, in the heart ...

Markel's Investment Unit Buys Manufacturing Firm

Oct 24, 2011 -- Markel Corp.'s subsidiary Markel Ventures purchased a majority interest in WI Holdings, a Pennsylvania-based manufacturing firm. The ...

Florida Approves Insurer Targeting Foreign Nationals

Oct 18, 2011 -- Florida regulators have given the go-ahead for an insurer that wants to provide foreign nationals with access to the U.S. health insurance ...

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MoneyMattersUK | Financial News | Daily Headlines: Wednesday, November 9, 2011

2011-11-10T02:45:00.001-08:00

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November 9, 2011

News By Region National International East Midwest Southeast South Central West Video

Today's Headlines

National

Nationwide Test of Emergency Alert System Set for Today on Radio, TV

The Federal Emergency Management Agency (FEMA), along with its federal, state and local partners, is reminding the American public that ...

Firms Want Government Probes Banned from Gulf Oil Spill Liability Trial

The companies involved in the worst offshore oil spill in U.S. history are trying to prevent government investigations blaming them for the ...

Justice Department to Clarify Guidelines for Bribery Probes

A top Justice Department official said Tuesday the agency will clarify next year what triggers anti-corruption probes into U.S. ...

Lawmakers Urge U.S. Caution on Japan Trade Talks

Four senior U.S. lawmakers Tuesday urged President Barack Obama's administration not to make a hasty decision to begin free trade talks ...

LexisNexis Selling P/C Insurance Software Business

LexisNexis Risk Solutions said it is selling its property/casualty insurance software business to a San Francisco-based private equity ...

Wells Fargo Agrees to Settle Derivative Suits with Municipalities

Wells Fargo & Co. has agreed to settle class-action lawsuits filed by various municipalities alleging bid-rigging by Wachovia's ...

New Main Street America Unit Targets Large Surety Accounts

The Main Street America Group has created a commercial surety national accounts unit to focus exclusively on large accounts. The unit will ...

Sentry Expands Casualty Products to Clients with Overseas Operations

Sentry Insurance is now offering foreign general liability and foreign voluntary workers' compensation to U.S.-based clients with ...

Wells Fargo Insurance Introduces Affordable Housing Insurance Program

Wells Fargo Insurance Services USA Inc. and the National Affordable Housing Management Association (NAHMA) have launched a Multifamily ...

Architects & Engineer Class Held Hostage by Price Cutting, Overcrowding

Even with historically low rates, tough competition, and a reduction in business, the architects and engineers professional liability class...

More National News

East

Northeast Power Outages Hit Many Businesses Hard

Business owners and experts say the lengthy power outages caused by the freak October snowstorm have taken a toll on many companies and the ...

Markel Posts $54.7M Q3 Income, Sees Firming in Workers' Comp Market

Markel Corporation reported $54.7 million for its third-quarter net income, down 13.4 percent from one year ago when the specialty insurer ...

Alleghany Posts $19.2M Q3 Profit, Down 48% From Last Year

Alleghany Corp. reported $19.2 million in third-quarter net earnings, down 48 percent from one year ago when the company had $36.6 million ...

Mass.-based Farrell Backlund Agency Acquires Richardson-Cuddy

Taunton, Mass.-based Farrell Backlund Insurance Agency has purchased Richardson-Cuddy Insurance Agency in the nearby city of Attleboro, ...

Erie Indemnity Posts $47M Q3 Profit, Down 13% From Last Year

Erie Indemnity, the managing company for Erie Insurance Group's reciprocal insurance company, reported $47 million third-quarter profit. ...

More East News

Midwest

State Auto Financial Reports Loss of $58.7M in Q3

Columbus, Ohio-based State Auto Financial Corp. has reported a third quarter 2011 net loss of $58.7 million, or $1.46 per diluted share, ...

North Dakota Governor Asks Legislature to Approve Disaster Help

North Dakota Gov. Jack Dalrymple has unveiled a $569 million plan to provide disaster aid to flood-stricken areas and to help western North ...

North Dakota's Hamm Elected VP of National Insurance Regulators Group

North Dakota Insurance Commissioner Adam Hamm has been elected vice president of the National Association of Insurance Commissioners. Hamm ...

More Midwest News

Southeast

Georgia Allowed to Phase-In Healthcare Law's Medical Loss Ratio

Health insurers in Georgia have been granted a waiver to a new federal requirement that they spend certain minimums on patient care and ...

Kentucky Reports Year's 7th Miner Death

A foreman has been killed at an underground mine in eastern Kentucky, the third mine-related fatality in the state in 10 days. State ...

More Southeast News

South Central

Gulf Oil-spill Workers Sought for Study

Federal researchers are looking for cleanup workers willing to participate in a $17.8 million study of long-term health effects from last ...

Louisiana Commissioner Re-elected by Large Margin

While pundits were saying that Louisiana Gov. Bobby Jindal, with almost 66 percent of the vote, rolled up the most lopsided win in a ...

Texas Mutual Wraps up $155M Dividend Distribution

Texas Mutual Insurance Co. announced it has begun distributing about $1.5 million in workers' compensation dividends among approximately ...

More South Central News

West

Bering Sea Superstorm Slamming West Alaska

The National Weather Service is reporting an event billed as "The Bering Sea Superstorm" is striking the coast of Alaska. The storm is ...

Beazley Selected by CalSurance as Information and Privacy Liability Insurer

Orange, Calif.-based CalSurance Associates, a division of Brown & Brown of California Inc. has named Beazley, an insurer of data ...

Liberty International Underwriters Expands E&S Property Operations to West Coast

Liberty International Underwriters (LIU), the global specialty lines division of Liberty Mutual Group, has opened an excess and surplus ...

EPIC in California Adds to Leadership Team with Gunnison

San Francisco, Calif.-based Edgewood Partners Insurance Center (EPIC), a retail property, casualty and employee benefits brokerage, has ...

ISU Adds ISU Cunnington & Associates

ISU International has added ISU Cunnington & Associates to the ISU Network. Founded in 2005 and owned by Greg Cunnington, ISU ...

More West News

International

IMF Head Warns World Economy Risks a 'Lost Decade'

The head of the International Monetary Fund warned on Wednesday that Europe's debt crisis risked plunging the global economy into a "lost ...

UK Court Rules Catholic Church Liable for Priest Wrongs

A British court has ruled that Roman Catholic priests are equivalent to employees, a decision that could pave the way for victims of sexual ...

Aon's Study of Airline Insurance Industry Finds Divergent Trends

Aon Risk Solutions, the risk management business of Aon Corp., has released the latest edition of its aviation data report -"Airline ...

Validus' Increased Offer for Transatlantic Presented Directly to Shareholders

The ongoing battle between Validus Holdings and Transatlantic is heating up again, as Validus announced a series of moves aimed at ...

EU Finance Ministers Reaffirm Climate Funding for Developing Countries

EU finance ministers on Tuesday signed off on more than €4 billion ($5.5 billion) in short-term funding to help developing countries ...

Swiss Re Places $130 Million Cat Bond for Hurricanes, European Wind

Swiss Re has obtained a further $130 million in protection through the Successor X Ltd. catastrophe bond program, which covers exposures to ...

Best Affirms Torus Insurance Holdings and Operating Subs Ratings

A.M. Best Europe - Rating Services Limited has affirmed the financial strength rating (FSR) of 'A-' (Excellent) and issuer credit ratings ...

More International News

Join the Insurance Journal Network

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	Does Innovation Miss the Mark? Michael Lee, founder, chairman and CEO of the Tower Group, doesn't believe innovation runs... Watch Now
	Intermediary Value The prolonged soft market and tough competition in the property/casualty insurance industry... Watch Now

Watch more videos at InsuranceJournal.tv

New Discussions in the Forums

Online Insurance and Leads
Posted: Wed Nov 9 -- I wanted to share with you a company that I use and have used since 2006. Not only are the leads I receive good leads but they are usually... Eagleeye

What websites or app are agents using?
Posted: Wed Nov 9 -- I use tons of tools and applications, most of them in marketing, sales and lead generation. I use a CRM which is basically a contact manager... sethm

Wholesale Distr to Oil & Gas contractors in AR
Posted: Tue Nov 8 -- Not having any luck placing this account, hoping others may be able to help. Wholesale distributor concentrating on the supplies used by oil... bboswell

"Pay As You Go" Work Comp
Posted: Tue Nov 8 -- Appreciate the conversation about pay-as-you-go. Just wanted to give you a perspective from the payroll industry side. We operate a... Steve Scheu

Direct mail
Posted: Tue Nov 8 -- Hi Rochambeau, can you explain it briefly about that site or tool that manipulates Google search engine rankings? Thanks chizcurlz

SEO and buying back links
Posted: Tue Nov 8 -- A quick tip: 50% of the Google search engine algorithm is based on links. chizcurlz

Android Applications/Insurance Related
Posted: Tue Nov 8 -- I saw this in a TV show. Some people developed android applications as well as iPhone apps for insurance agents, brokers, and adjusters as... chizcurlz

Grow your business with new clients
Posted: Tue Nov 8 -- Ranking for keywords that generate not only traffic but also conversion is a great success for an online business or website. It is really... chizcurlz

Social Media and its potential
Posted: Tue Nov 8 -- Now that Social Media plays a big part in search engine result pages, it indicates that businesses should use this to increase their... chizcurlz

Go to Forums

Reader Comments

S&P Lowers Outlook on Allstate and Subs to Negative; Affirms Ratings
Posted: Thu Nov 3 -- To much Mayhem........ Agent

First Suit Filed in Reno Air Race Tragedy
Posted: Wed Nov 2 -- the crash was "the predictable result of a reckless drive for speed by a risk taking pilot and crew, coupled with an insatiable drive for... Darren

Go to Popular Comments

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Current Issue

Top Commercial Lines Agencies, Habitational / Dwellings, Agents' E&O Survey

November 7, 2011

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MoneyMattersUK | Financial News | New Markets Daily: November 9, 2011

2011-11-10T02:44:00.000-08:00

Market Directory | Featured Articles | Latest Forums | Ask a Question

November 9, 2011

Security Guards

BrownGuard provides specialty liability insurance for the Security Guard industry, with comprehensive coverages for private, government and proprietary security guard contractors and others. ...

States: All except NE

Offered by Brownyard Group

View details

Market Announcements

Contractors-Remodeling

American Safety Insurance underwrites residential, commercial and industrial construction risks, focusing on an array of contractor ...

States: All states

View details

Student Accident

CGL, Accident & Health, D&O, Excess Liability. With over 55 years of experience in administering student insurance plans, Bollinger ...

States: All states

View details

Transportation

Primary AL ($1mil), Physical Damage, GL, Trailer Interchange, Workers Compensation, Cargo, Occupational Accident (10+ drivers), ...

States: All states

View details

Equipment

Britt/Paulk's Equipment Program provides National, Admitted coverage. Quote & Issue Online! Types of ...

States: All states

View details

Feature Articles

Architects & Engineer Class Held Hostage by Pricing Cutting, Overcrowding

Even with historically low rates, tough competition, and a reduction in business, the architects and engineers professional liability class... Read more

MyNewMarkets.com Call For Article Submissions & Guidelines

MyNewMarkets.com welcomes submissions of story ideas and bylined articles. Below you will find a basic guideline on how to submit a story... Read more

Risk Management a Hot Topic on Chubb's New 'Risk Conversation' Web Site

Chubb has created a new interactive Web site designed to offer risk management services to consumers and businesses. The new site, called... Read more

Latest Forums

Freight Forward / Contract Carrier - Auto Liability

Hello All, If anyone knows a market that I can send this submission out to would be a great help! Insured: Currently one ...
by rplatz on Wed Nov 9, 2011

Liquor Liability for a Non Profit

Our chamber of commerce would like a liquor liability policy. Currently their GL excluded it. Every time they have an event they ...
by odiseus5 on Wed Nov 9, 2011

Farm Supply Delivery

Looking for a standard market my client currently with Travelers. Sic code 5191. Travelers is pricey and my other carrier won't do ...
by itchiemitten on Mon Nov 7, 2011

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