December 1, 2008
(Ventura, California) - Tens of millions of Americans have already suffered substantial financial losses in the wake of the sub-prime mortgage crisis and subsequent financial challenges. A new survey from The Barna Group shows that more than 150 million adults said they have been affected by the economic turbulence, and most of them expect it to take several years before the nation fully recovers. Americans are now passing on their financial pain to churches and other non-profit organizations by cutting back substantially on their giving during the fourth quarter of 2008. Those reductions - occurring during the most important quarter of the year for donor-driven organizations - will cripple thousands of smaller and less stable donor-supported organizations.
Many People Hit Hard
Two out of every three families - 68% - have been noticeably affected by the financial setbacks in America. Nearly one out of every four (22%) said they have been impacted in a major way, almost four out of ten have been affected only somewhat and about one out of every twelve (8%) say they have not been affected too much.
Interestingly, the people least affected have been those under 30 years of age - perhaps because relatively few of them have substantial retirement funds - as well as Asian households and those who describe themselves as mostly conservative on social and political issues.
Overall, more than one-quarter of adults (28%) said they had lost at least 20% of the value of their retirement and 401K accounts. The same share of the public (28%) said they had lost 20% or more of the value of the stocks and bonds that they owned.
Born again adults were slightly less likely than were others to have sustained such substantial financial losses in recent months. While 30% of the born again public has lost 20% or more of its retirement portfolio value, the same was true for 37% of non-born again adults. Similarly, just 31% of the born again segment had lost 20% or more of the value of their stocks and bonds compared to 36% among the non-born again Christians.
No Quick Fix Expected
On average, Americans believe it will take about three years before the economy fully recovers. Only one out of four adults (24%) said the economy would completely recover within a year; 30% said it would take two or three years; and 32% said it would take more than three years. A small proportion (2%) said they do not believe the economy will ever completely recover.
The most pessimistic people are Asians, upscale adults, and sociopolitical liberals. The study also showed that people who voted for Barack Obama are significantly more likely to expect a prolonged period of recovery than are people who voted for John McCain.
Cutbacks in Church Giving
During the past three months, one of the ways that adults have adjusted to their financial hardships has been by reducing their charitable giving. In total, one out of every five households (20%) has decreased its giving to churches or other religious centers.
Church cutbacks have been most common among downscale households (30%) and those families which are struggling with serious financial debt (43%). Not surprisingly, 31% of those who have lost 20% or more of their retirement fund value have sliced their church donations, as have 29% of the people who have lost 20% or more of the value in their stock portfolio.
The degree of reduction in giving is significant for churches. Among people who have decreased giving to churches and religious centers, 19% dropped their giving by as much as 20%, 5% decreased their generosity by 21% to 49%, 17% reduced their giving by half, and 11% sliced their provision by more than half. In addition, 22% said they had stopped their giving altogether.
The most widespread reduction in amount of money given to religious centers was detected among people under 25 (47% who had been affected by the downturn reduced their gifts by more than half of what they usually gave); upscale households (48%); Hispanics (43%); non-born again Christians (40%); and sociopolitical moderates (39%).
How Churches Are Responding
The Barna study revealed that many churches have attempted to help their congregants understand and responsibly address the current financial challenges. Among those who attend a Christian church, the survey found that one-third (35%) said their church had offered a special talk about the financial situation and ways to respond to it. Such a presentation was more commonly cited by those who attend a Protestant church (38%) than by those who attend a Catholic church (27%).
A similar proportion (37%) said their church had offered specific opportunities for personal financial counseling. This response was more frequently cited by those who attend a Protestant church (39%) than by those who attend a Catholic church (28%).
Providing special prayer support for those who were struggling financially was noted by 73% of church-goers. Once again, this response was more likely to be identified by Protestants (78%) than by Catholics (64%).
About half of Christian church attenders (52%) said that their church had increased the amount of material assistance made available to congregants during the past three months, such as food, clothing and other basic needs. In this case, there was no difference in the responses of those attending a Catholic church and those going to a Protestant congregation.
Reductions in Giving to Non-Profits
The million-plus organizations recognized by the government as non-profit agencies have reason to worry about the economic climate, too. Nearly one-third of all adults (31%) said they have already reduced the amount of money they are donating to non-profit entities.
Cutbacks in gifts to non-profits are especially common among the one-quarter of the population who are immersed in serious financial debt (49%). It is also a common response among adults who are feeling stressed out (39%), African Americans (36%), downscale households (36%), and registered Democrats (36%)
Among those who are decreasing their giving to non-profits, 53% are simultaneously decreasing their generosity to churches or other religious centers, as well.
Other Responses to Financial Suffering
Americans have responded to the nation’s economic woes in other ways besides reducing their generosity. So far, 5% have moved to less expensive housing. This has been especially common among people with serious financial debt (14%), people under age 25 (13%), and downscale adults (11%).
Potentially Devastating Impacts
George Barna, whose company conducted the survey, commented that the economic woes hitting families will be felt in a major way by churches and non-profits by the end of the year. Most non-profits and churches count on the fourth quarter of the year to produce at least one-third of their annual income. Deficit spending is common during the first three quarters, with the expectation that holiday giving will enable the organization to meet its budget projections. This year is likely to be very different. The giving patterns we’re witnessing suggest that churches, alone, will receive some $3 billion to $5 billion dollars less than expected during this fourth quarter. The average church can expect to see its revenues dip about 4% to 6% lower than would have been expected without the economic turmoil. We anticipate that other non-profit organizations will be hit even harder.
Barna encouraged church leaders to embrace a new mindset for their financial projections. With a large share of congregants expecting the nation’s economic woes to drag on for several years, it would be wise for churches and non-profits to reconfigure their financial models and plan to spend more cautiously over the coming two or three quarters, he explained. Even if a congregation continues to grow numerically, this is not a good time to use dated financial projections and models. People’s attitudes about generosity have been altered, as shown by their immediate donation behavior. We anticipate that a greater percentage of church-goers will decrease both their giving levels and frequency over the next year or so. This is a time for church leaders to demonstrate restraint and wisdom in their financial decisions.

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The rate of interest on secured car loans is lower than the rate on unsecured car loans. If the borrower fails to repay a secured car loan as per the loan terms, the lender may repossess the car and sell it off to recover his money. Sometimes, a secured car loan is secured against the borrowers house. Such a loan is known as a homeowner loan. Another popular car loans is a personal loan. Personal loans can be taken out for a variety of purposes. Personal loans are unsecured loans, i.e. no collateral is required to obtain a personal loan.

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Now more than ever, travelers have to watch the dollars when they fly, perhaps this is the reason the number one subject that they talk about is airfare deals. Many airline companies have gone bankrupt in recent times but that does not mean that low cost air travel is dead even though it may depend on were you are in the world. The assistance of a good agent and some determined checking usually pays off.
Of course much of your success will require a certain flexibility on your part if you really want the best prices. Getting a cheap seat is always possible if you are that flexible and eager enough to adjust your schedule to the best day and time of the year to travel. If youre willing to modify your dates to suit one of the airlines programs to help save money by slotting people into empty seats, then you are good to go as you have benefited from their decision. Still, if the time and date dont work out, you can always change them but be prepared for an additional, often hefty, administration charge. You can only avoid this situation if you have decided to pay the full price for the ticket and travel on a scheduled flight.
If you have been travelling regularly, then you are more likely to have advanced experiences about the ins and outs of the competitive world of airlines and airfare deals. One thing that is pleasant about some airlines is the way they acknowledge and appreciate their good customers loyalty by designing a program called the frequent flyer program. It works in a way that passengers can have certain benefits to choose from and having a ticket for a partner is an example for which they can avail by collecting points or benefits each time they fly with a particular carrier. Some airlines have now joined forces in this to help retain customers, and formed partnerships with hotels that can be used as part of the arrangement.
Of course, these days it is the Internet where most of these tickets are sold and where the best airfare deals are to be found. While it is safer to book your flight with typical discount agents, it is also advisable to consider checking online sites that focuses in selling discounted airline tickets as many of them are also legitimate business ventures. The difficulty arises checking the validity of these discount sites and often it is not until after the customer has paid that they realise the deal was not genuine. A popular one to check out is Teletext Flights as everyone has heard of them and they can either check them out on the internet or via the text button on the tv. If you are able to, visit in person to the discount agents place of business and dont rely on email communication but if you cant get to see them, at least give them a call first. Ask as many questions as possible and find out any likely snags about their ticket deals, such as a stopover to an unattractive part of the world.
The importance of knowing exactly which airline you are flying with cannot be stressed enough so make sure you have this information. Even now, new airfare deals and opportunities are being made available on a regular basis so you have to keep up to date with whats happening in the industry if you fly regularly. By looking into the options carefully, you should succeed in finding the deal you want and to the right destination - just remember to be flexible.

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By: Maksym200 Holovchenko200

Online car insurance

The catch about online insurance companies is- they have a reputation to save you considerable amount of money. Interestingly, the car insurance rates among online auto insurance companies tend to vary a lot- even by a $100 amount. Here are some tips to help you compare among online auto insurance companies-

Dealing with auto insurance sites
Step A- Your quest should begin with a site that compared rates, quotes or offers of different auto insurance companies. Keep your eyes open for a company that has true professionals working for it.

Step B- Now you fill in the query format of the auto insurance of the company. Fill out and submit their online questionnaire. Mare sure you are providing authentic information. There are some situations when the state you reside in has less coverage compared to other states. As every state has a department of insurance and this department has their own site, you should see for yourself to know the details of the coverage.

Step C- Search the insurance companies in the comparison website. The comparison site with try to match your special requirements with the offers set by different auto insurance companies.

When you receive quotes from different companies, you can compare and pick the offer best suited for you.

The good sides of these comparative sites
As the comparison is done based on your information provided in their predefined format. Your are able to go for some trial and error comparison by changing the details in the predefined format. This shows you what if impacts on your online auto insurance quotes. Submit new info and you will be given different quotes.

Look for comparative sites that deal with only the auto companies listed under the Better Business Bureau. This way, you are making sure that you are dealing with only the most reliable or reputed auto insurance companies.

The advantage or information you are getting from any of the online comparative insurance quote sties is costing you zero cents. In terms of marketing, when you are out to compare the offers of different companies offline, you are incurring time, monetary and psychic cost.

Also, when you are comparing between the auto insurance companies by going from one site to the other- you are incurring a lot research hassle. The online auto insurance quote comparers free you from such hassle.

Consider visiting insurance directories
While you do this, there is a vital thing to remember. Do not just shop for auto insurance policies. Rather, look for a bulk purchase. This means that you will go for the auto insurance companies who provide home or medical insurance in addition to car insurance. This way, if you purchase coverage for multiple properties, you can get cheaper rates for all. Sounds smart, doesnt it?

Take your time to build your profile
Fortunate or unfortunate- the fact is that the auto insurance quote will tend to vary to large extent depending on your profile (or records). Of course you cant change your records (and it is illicit), but you can always craft your record nice so that you get the best rates possible with your present situation. Consult a professional if you have to. But the best cheap way out is to talk to a peer or relative who has done similar things before.

In fact, there is no offer on earth called the best. It depends how you will deal with that auto insurance offer and utilize it for your own benefits.

Maksym Holovchenko is author of this article on One Stop Shop for Insurance Shoppers. Find more information about Instant Insurance Quoting Service here.

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Americans are looking for smaller cars to save on spiraling gas prices and reduced emissions, but car insurance continue saving, too?
According to Autodata Corp., from June 2007 to June 2008, the total light truck sales fell 28.4 percent. Even those vehicles that have long reigned as the top-sellers - the Ford F-series pickups - have had a 40.5 per cent of sales affected from June 2007 to June 2008, according to Ford. Meanwhile, sales of the Toyota Corolla and Camry and the Honda Civic and Accord continue to rise, filling the sales gap. Honda reported that the Civic success of a new sales record in June 2008, up 23.1 percent from last year.
There are substantial fuel savings to be seen in the vehicle size changes. For example, switching from a Ford F-150 Pickup FWD (13 mpg city/17 mpg highway) for a Honda Civic (25 mpg city/36 mpg highway) will save about U.S. $ 2000 per year on gas. (That is a fuel cost of $ 2091 for the Civic and $ 4042 for the F-150 on the basis of 45 per cent of road driving and 55 percent in city driving 15,000 miles per year and 4.04 dollars per gallon.) If you want to perform side-by-side comparisons of vehicles fuel economy, visit www.FuelEconomy.gov.
Once you know how much you could save on gas, how about on car insurance? Do you have a vehicle to match lower rates of the small car insurance?
The answer is usually a big fat NO.
According to Insure.com s car insurance type of research, exchange of a bigger vehicle for a small car like a Honda Civic or the Toyota Prius is likely to raise its rate of car insurance (see chart). We surveyed rates of four of the nations largest insurer of cars in various area codes across the U.S. for 2009 Toyota Prius and Honda Civic against the top-selling cars bigger: The Toyota Camry (a sedan), Honda CR-V (an SUV) The Toyota Sienna (a minivan) and the Ford F-150 ( a van). The results: The Prius and Civic are the most expensive for the group.
Whats going on here? Make sure cars have no appreciation for the conservation of fuel, reducing carbon emissions and small footprints? The response of insurance companies is this: Only when it is justified by their claims experience.
Small cars tend to increase insurance costs, because they go into more accidents, said Russ Rader, spokesman for the Insurance Institute for Highway Safety (IISH). s a myth that a smaller car is more agile and helps avoid accidents, but smaller cars tend to have more loss of a collision.
Certainly not the cars causing accidents, are the people behind the wheel. Part of the reason is the driver, Rader said. Cars tend to be smaller and less expensive led by young, high-risk drivers. And they think they can zip around in traffic.
When insurers see the cars more frequent and more expensive claims is attached to certain vehicles, that the policies of the type of vehicles accordingly. Therefore, when you buy a smaller car that has a history of high insurance losses, is essentially to pay for the mistakes of other drivers that vehicle model. Past insurance losses for tracking the motorway from data loss Institute (HLDI), a division of IISH, gives an idea that these smaller vehicles have resulted in losses of insurance largest (the most recent data from 2004 to 2006 model vehicles):
* The Honda Civic is worse than average for the protection of personal injury and loss of medical payments. This means that the injured passengers are expensive for this car.
* The Honda Civic Coupe fares even worse: it is worse than average for personal injury and substantially worse than average collision, personal injury protection and medical payment losses.
* The Honda CR-V, classified as a small SUV, performs in for all categories except the complete loss of the losses, where it is substantially better than average. Comprehensive coverage includes payments for theft, arson, vandalism and natural disasters.
* The Toyota Sienna minivan is or substantially better than average in all categories of losses, that is, insurers are paying less in claims for drivers of Siena. (Very Large station wagons and minivans, like the Sienna, Honda Odyssey and Chrysler Town Country, did not show worse-than average in all the losses.)
* Ford F-150 tablets (not including FWD, supercab and supercrew) perform significantly better than average for the protection of personal injury and medical payment claims. Their only is the overall category of complaints, probably because the F-150 ranks at No. 4 on the most stolen vehicles list compiled by the National Insurance Crime Bureau.

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Auto insurance rates can sometimes come at a surprise if one does not research the cost of insuring a vehicle prior to purchasing it. This often leads to an overwhelmed person from an unexpected, but necessary expense.
There are many factors that are used to properly calculate premium rates including the price of the car, symbol, title, category, cost of replacement parts, among a few others. Vehicle value is also a very big part of determining insurable risk. Some companies may even set maximum acceptable values and a car with value exceeding the allowable limits may be turned down for physical damage coverage or even for any coverage whatsoever. Other details are also looked at for eligibility, for example, some carriers will not accept a vehicle with a salvage title since theyre considered structurally unsafe.
The rating system uses whats called a which is issued to each specific car for the purpose of assessing the risk factor involved in insuring the particular vehicle. Symbols vary no only between makes, models but sub-models such as EX, LX, SE, etc. The VIN number is what can be used to look up cars symbol, and generally, the higher the symbol, the more expensive it will be to
Why do you need car insurance.

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Tips Insurance Quotes Instant Car
Regardless of where you live in Missouri, if you dont have a job that offers a health benefits package, or if you dont work at all, youre most likely going to have trouble finding affordable health insurance in Missouri. Having come to the conclusion that you need life insurance for one reason or another, most people do not think that in some cases it could far more beneficial to take out two single life plans rather than a joint life first death. As mentioned above, a good place to begin the process of finding the best life insurance policy is to understand the two main types of life insurance. Many banks will make it mandatory for their customers to purchase home insurance, as this will protect the company in the event that the home is heavily damaged. When making the move from New Jersey to North Carolina in 2004 I knew two things about our health insuranceSave Big Bucks on Your Car Insurance By Matthew C.

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