How to Get the Best Rates on Automobile Insurance in Wisconsin

A great time to start thinking about how to get the best rates on automobile insurance in Wisconsin is before you purchase a new vehicle. You can save money on auto coverage in Wisconsin when your vehicle meets certain discount criteria, so it only makes sense to pay attention to the kind of car you purchase if you want obtain affordable WI automobile insurance quotes.

Whether you’re browsing the car lot for a new or used vehicle, there are several points you should keep in mind that will help you obtain affordable WI automobile insurance quotes.

oFlashy, high-performance vehicles are usually more expensive to insure than modest, dependable vehicles. The same is true for convertibles, gas-guzzlers, and antiques. Look at it this way: If you purchase a modest vehicle that gets good gas mileage, not only do you increase your chances for obtaining cheap car insurance, but you also help out the environment.

oWisconsin car insurance companies love it when your vehicle is packed with safety features. Look for multiple impact air bags, automatic safety belts, anti-lock brakes, and anti-theft devices.

oSteer clear of used vehicles that have been modified, such as with car kits. Some auto insurance companies charge higher coverage premiums for altered vehicles. Too, think twice about modifying a vehicle once you’ve purchased it.

oConsider purchasing a vehicle when you have enough money to pay for it in full. If a lender has to help you pay for your car, you may also have to purchase some kind of full coverage insurance until you own the vehicle out right. Sure, it’s always safest to have full coverage, but it’s not always financially feasible. Your Wisconsin car coverage premiums will be cheaper if you only purchase the state’s minimum liability insurance requirements.

After you learn about additional ways to save money on auto coverage in Wisconsin at EZQuoteGuide.com, apply for your free instant car insurance quotes.

High Pay Still Found in Finance

Though the stock market remains wildly prone to fluctuations and the United States barely saved itself from veering off a fiscal cliff at the new year, the high pay of finance jobs has remained a steadfast thing. And the number of people seeking such jobs has, if anything, been on the rise-even as the amount of spots available moves the other direction on the number line.

“I’m looking to go into finance” is a common phrase among soon-to-graduate and recently graduated college students. But what exactly does “going into finance” look like? Finance is an industry, and the term blankets a lot of different positions. Finance jobs include everything from being an analyst to being a trader, from being a researcher to being a consultant. When most people think “finance,” investment banking, also called iBanking, is what first comes to mind. Specifically, bulge bracket banks like Goldman Sachs, J.P. Morgan Chase, and Morgan Stanley come to mind. But these firms only comprise a small (if highly profitable and reputable) piece of the finance pie. Job-seekers can also break into the finance career bubble through sales and trading divisions, corporate finance, hedge funds (a harder point of entry for fresh BAs), consulting firms, (McKinsey & Co., Boston Consulting Group’s HOLT associates division), private wealth (Charles Schwab, PNC Wealth Management) management firms, and even ratings agencies (Moody’s, Standard & Poor’s). And within iBanking alone, there is further job breakdown into three types of groups: capital market, product, and industry groups. Basically, “finance” is deceptively simple-there are dozens of ways to wriggle into the finance sector.

The pay, of course, differs from position to position and from company to company. At a big investment bank, first-year analysts will typically make around $70k base salary plus a $10k signing bonus and $50k to $60k year-end bonus. At a hedge fund, the hiring salary can go up to $90-$100k base plus an even more significant year-end bonus-but generally only analysts with an MBA or prior iBanking experience will make this kind of money right off the bat.Entry-level private wealth management salaries can also be over $80,000. First-year traders bring in similar base salaries to analysts but usually expect less of a bonus-around $20K to $30K. Ratings or credit analysts tend to make slightly less than these other positions, around $55K base salary, but compared to the larger scope of American and international pay grades, that is still a more-than-respectable entry-level salary. And once someone is inside the finance worlds, his/her chances for mobility into different sectors and positions greatly increase.

Of course, no money comes free, and no one getting into the finance world can expect to get his/her salary without doing a lot of work-sometimes 100 hours a week of it. Analysts joke that analysts don’t have a life, and at times that joke rings all too true. But the applications for finance jobs keep coming and will keep coming. The bonuses may not be as extravagant as they once were, nor is the path to rise through the ranks of a firm as smooth and certain. Yet no other industry can promise pretty much across the board $50k plus entry-level salaries, especially after the recession. High pay has remained a stable fact for those who can say they are “in finance,” and in unstable times, that kind of stability is something for which many are willing to fight.

Online Credit Card Dealings and Benefits

Applying for a credit card in the standard way usually involves submitting a set of documents to the sales agent who collects them on behalf of the credit card company you are dealing with. Although, there isn’t much trouble in this format, there is a chance that confidential information about you such as your salary slips, identification information etc. goes into the hands of people you are not sure are trustworthy.

It might lead to leakage of information, such as phone numbers inviting thousands of marketing calls or in serious scenarios, even identity theft. This is one reason why online card application process is much safer and smoother.

Online Process

The online process is very simple and involves submitting documents online. The credit card application too is via an online form, which can be done by the person applying for the card himself or herself. This is much safer as personal information is not divulged. The online application process itself is very transparent and customers can track the status, another of its benefits.

Online Payments

With the working hours of working people clashing with business hours of these card offices, telephone and electric bills etc. more and more people are resorting to online credit card payment of bills. Starting from the card itself, while some people still prefer to drop a check for the monthly payment of the outstanding balance, more and more people are resorting to online payment of these card bills.

Firstly, one can keep a screenshot or printout of the payment if they are very cautious. Secondly, online payments are always easier to track. Some people even connect the credit card balance with their checking account and the money is auto-debited from their accounts although this is not the preferred way.

Online card payments are also used for paying phone and electricity bills. In fact, many credit cards have utility features available to customers wherein they can connect to select service providers and clear their phone, internet and electricity dues.

Advantages Of Online Payments

These online payments have several advantages. Firstly, one doesn’t need to waste time commuting to and from the offices. Secondly, one doesn’t need to worry about them during office hours. Most of these credit cards allow recurring payments too for internet bills, prepaid phone bills etc. The biggest benefit of paying these bills this way is to keep track of the expenses and do all of them at the same time once a month. This also earns many rewards from the credit card offers itself, that includes cash back offers, reward points, airline miles, travel packages etc.

All in all online payments when clubbed with the advantages of credit card itself make the lives of people much simpler. It adds a good credit history to those who are regular in bill payments and more importantly brings planning and order to a person’s schedule instead of excessive wastage of time going around various offices once in a month.