Money-Minder.com says it is time you reviewed your life insurance and gives tips on how to save money


According to recent figures released by Sainsbury's Finance, 60 per cent of people with life insurance don't contact their insurer when they have a significant change in their life.

Sleaford, Lincolnshire, UK, July 28, 2011 -- According to recent figures released by Sainsbury's Finance, 60 per cent of people with life insurance don't contact their insurer when they have a significant change in their life.

However, life and protection comparison website Money-minder.com says it’s far more important that they simply review their needs than necessarily go back to their existing insurer. In fact, by shopping around customers could save themselves some money.

For example, a 30 year old male non-smoker taking out £150,000 of level term life insurance cover for 25 years could find a ‘no-fee’ premium as low as £7.32 per month with Zurich through Money-minder.com. However, Skandia would look to charge around £20.85 per month if a consumer bought the same cover directly with them over the phone. That’s a saving of £13.53 per month, or to put it another way a saving of £4059.00 over the 25 year term of the cover.

Although it’s wise to review your life and protection cover regularly there may be some significant changes in your life when it’s essential to take a look at the cover you have and what you might need in the future.


1. Moving home - Whether buying your first home or increasing your mortgage for something bigger it's essential you have enough cover in place to at least pay off your mortgage if something happened to you, and your partner too if you're buying together. Make reviewing your life insurance part of your moving home 'to-do' list. And have your new cover ready to put in place as soon as you move in.

2. Having a baby - Once you start a family you have to start thinking about what would happen if you or your partner died while your child or children were still dependent on you. Just covering your mortgage won't be enough to pay for the upheaval the family would face if one of you wasn’t around to earn an income or look after the family so you have to look at the cover you’d need to replace an income or meet extra costs for childcare. You may need to allow enough money for them to live on until your children are grown up which could be many years. It’s not a nice thing to have to think about, but it’s better than leaving your loved ones in a financial fix.

3. Changing jobs - Some employers offer 'death in service' benefit to their workers. This means the company scheme will pay out a lump sum to your estate if you die whilst in their employment. It’s usually a multiple of your salary and despite what the name suggests you don’t have to die whilst actually carrying out your job, just while you’re employed by them. If you switch jobs or go self-employed you may have to replace this useful cover yourself.

Ray Black, MD and founder of Money-minder.com commented: "Life insurance isn’t the sort of product you renew every year like your car or home insurance so it’s easy to forget to include it when you review your finances. There are some key life events however when you absolutely must look at your life cover and perhaps consider other forms of cover too such as income protection or critical illness cover.

You should also think twice about going straight back to your existing insurance provider before you've shopped around. Our research shows that customers can make significant savings by arranging their cover through a discount broker who sacrifices all or some of their usual commission to give you lower premiums. This is especially true of customers who know exactly what they need and don’t want to pay for extra for advice. Over the term of the policy the savings could run into thousands of pounds.”

5 Top tips for getting the best life insurance deals

1.Shop around! Use trusted comparison sites like http://www.money-minder.com to compare lots of insurers quickly.
2.Don’t necessarily buy life insurance from your mortgage provider. - Previous research by Money-minder has shown that you may pay more for life insurance from your lender than by arranging it yourself.
3.Consider paying a one-off admin fee to get your insurance set up. The monthly premiums will be cheaper and you may save money in the long run.
4.Watch out for 'reviewable' premiums - Insurers can increase reviewable premiums throughout the life of the policy so what may start off as cheap insurance can become expensive. Choose ‘guaranteed’ premiums which are fixed for the life of the policy.
5.Get the right amount of cover. Some websites now have handy tools like Money-minder’s finance navigators to help you decide the type and amount of cover you need. Do your homework to ensure you know what you want before you start looking for quotes.

-Ends-

For further information please contact:

Jason Wyer-Smith at 42 PR on Tel: 07824 818242, E-Mail: jason@42pr.com

Notes to Editors:

To link to our site please use: http://www.money-minder.com

Money-Minder.com was founded and created by Ray Black, Dip PFS, an Independent Financial Adviser. Money-Minder.com is online personal finance website that incorporates an exclusive and unique interactive comparison service providing free genuinely online quotes and is full of useful information to help customers choose the right cover and product to suit their needs.

Money Minder Financial Services (UK) limited is authorised and regulated by the Financial Services Authority (FSA).

Affordable Holiday Travel for Singles

Singles are invited to avoid the dreaded "singles supplement" as they travel to exotic destinations worldwide over the Holidays.

San Rafael, CA - July 28, 2011 -- Contact: Tom Andrews, 415/479-3800

Romantic eligibles of all ages are invited to celebrate the holidays with new single friends:

- Ireland, Thanksgiving Week, November 19-26, 2011

- Thailand, Thanksgiving Week, November 17-29, 2011

- South America (Rio, Iguassu Falls, Buenos Aires), Thanksgiving Week, November 19-28

- New York City, December 15-19, 2011

- Bali and Hong Kong over New Years, December 26, 2011 – January 7, 2012

The Holiday Travel is co-sponsored by The Society of Single Professionals, the world’s largest non-profit singles organization, and The Singles Travel Company, CST#1002864-10.

In these difficult financial times, singles still want to enjoy international travel,” says Ann Thomas of The Singles Travel Company, “but it has to be affordable. We guarantee a roommate for anyone who wishes to avoid the dreaded singles supplement.”

Anyone wishing more information may visit http://www.singlestravelcompany.com or call 1-888-286-8687.

About The Society of Single Professionals:
Society of Single Professionals is the events division of American Singles Education, Inc., world's largest non-profit singles organization. We are the only organization that runs events for singles worldwide, on 6 continents. Our Singles Travel Company division organizes dozens of affordable group tours for singles each year, to exotic destinations worldwide. We also operate The Singles Podcasting Network, featuring interviews with major authors and experts on dating and the single lifestyle.

Contact:
Rich Gosse
Society of Single Professionals
205 Mark Twain Avenue, San Rafael CA 94903
Tel: 415-507-9962

Simulation Techniques Driving Use of Computational Fluid Dynamics Software in the Asia Pacific


Research conducted by TechNavio reveals that the Computational Fluid Dynamics (CFD) Software market in the Asia Pacific (APAC) region is expected to grow at a CAGR of 22 percent.

London, UK, July 28, 2011 -- Research conducted by TechNavio reveals that the Computational Fluid Dynamics (CFD) Software market in the Asia Pacific (APAC) region is expected to grow at a CAGR of 22 percent. Technavio's report, which focusses exclusively on the APAC region, indicates that the market is currently being driven by the increasing use of simulation techniques among other factors.

Several industries are adopting CFD instead of real-life modeling as it saves cost. It is expensive to test models in wind tunnels and other such environments. Hence, many industries also prefer to have validated CFD models built before designing a model for experimental purposes. The electronics, automotive, aerospace and defense industries are the major end-users of CFD and other simulation techniques,” reports a TechNavio analyst.

In spite of the demand for CFD software solutions in the APAC region, the lack of relevant expertise in developing countries is hindering the growth of this market. However, decreasing license costs are expected to drive the market. Moreover, the CFD Software market is witnessing the emergence of collaborative CFD templates.

These are just some of the important findings presented in the report that will enable companies to fully understand the potential in this market and formulate their own strategies.

The report, “Computational Fluid Dynamics Software Market in the Asia Pacific 2010–2014,” is based on extensive research conducted with industry experts, vendors, and end-users. It examines the key trends, drivers, and challenges impacting the evolution of this market. The report also contains an in-depth discussion and SWOT analysis of each of the key vendors in this market.

Companies mentioned in this report include: Ansys Inc., CD Adapco Ltd., and Mentor Graphics Corp.


Contact:
Ludmila Berkesova
Program Manager
Technavio
8 Wimpole Street
W1G 9SP London
United Kingdom
Tel: 0044 (0)207 367 2456
Fax: 0044 (0)845 280 2825

Increased Consumer Spending Power Driving the Automated Teller Machine Market in Brazil

Research conducted by TechNavio reveals that the Automated Teller Machine (ATM) market in Brazil is expected to grow at a CAGR of 16 percent.

London, UK, July 28, 2011 -- Research conducted by TechNavio reveals that the Automated Teller Machine (ATM) market in Brazil is expected to grow at a CAGR of 16 percent. Technavio’s report, which focusses exclusively on Brazil, indicates that the market is currently being driven by the increased spending power of Brazilian consumers.

The growing spending capacity and improved financial status of developing countries such as Brazil are increasing the demand for ATMs. The considerable number of cash transactions through ATMs is directly proportional to the number of customers capable of making a huge amount of frequent transactions. As the financial health of the population improves, spending capacity also rises, which in turn leads to a demand for more ATMs,” reports a TechNavio analyst.

In spite of the demand for ATMs in Brazil, the high installation cost is hindering the growth of this market. However, the consistent demand for financial self-services is expected to drive the market. Moreover, the ATM market in Brazil is witnessing a clear preference for refurbished ATMs over new ATMs.

These are just some of the important findings presented in the report that will enable companies to fully understand the potential in this market and formulate their own strategies.

The report, “Automated Teller Machine Market in Brazil 2010–2014,” is based on extensive research conducted with industry experts, vendors, and end-users. It examines the key trends, drivers, and challenges impacting the evolution of this market. The report also contains an in-depth discussion and SWOT analysis of each of the key vendors in this market.

Companies mentioned in this report include: Diebold Inc., NCR Corp., Itautec, and Wincor-Nixdorf.


Contact:
Ludmila Berkesova
Program Manager
Technavio
8 Wimpole Street
W1G 9SP London
United Kingdom
Tel: 0044 (0)207 367 2456
Fax: 0044 (0)845 280 2825

China's Refrigerated Road Transport Market Witnessing Better Quality Standards

Research conducted by TechNavio reveals that the Refrigerated Road Transport market in China is expected to grow at a CAGR of 10 percent.

London, UK, July 28, 2011 -- Research conducted by TechNavio reveals that the Refrigerated Road Transport market in China is expected to grow at a CAGR of 10 percent. Technavio's report, which focusses exclusively on China, indicates that the market is currently being driven by the growing need for better quality food.

Increasing health awareness among consumers is driving retail outlets to ensure that food is transported in a temperature-controlled environment. Moreover, with consumers willing to pay extra for fresh food, the Refrigerated Road Transport market in China has seen a major boost in sales,” reports a TechNavio analyst.

In spite of the demand for refrigerated road transport vehicles in China, increasing fuel prices are hindering the growth of this market. However, the rise of disposable income is expected to drive this market. Moreover, the Refrigerated Road Transport market in China is witnessing a clear improvement in pollution control standards.

These are just some of the important findings presented in the report that will enable companies to fully understand the potential in this market and formulate their own strategies.

The report, “Refrigerated Road Transport Market in China 2010–2014,” is based on extensive research conducted with industry experts, vendors, and end-users. It examines the key trends, drivers, and challenges impacting the evolution of this market. The report also contains an in-depth discussion and SWOT analysis of each of the key vendors in this market.

Companies mentioned in this report include: BeiQi Foton Motor Co. Ltd., Zhenjiang Speed Automobile Group Co. Ltd., CIMC Vehicles (Group) Co. Ltd., and Zhengzhou Hongyu Special Vehicle Co. Ltd.


Contact:
Ludmila Berkesova
Program Manager
Technavio
8 Wimpole Street
W1G 9SP London
United Kingdom
Tel: 0044 (0)207 367 2456
Fax: 0044 (0)845 280 2825