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There are a number of ways in which you can protect your car from being targeted unnecessarily by joy riders and thieves. Here are 8 tips that we have compiled, they may seem obvious but it is often little mistakes than can lead to great expense and heartache.

Like the day you forget to lock the boot, or the time you left the car running while you nipped to the cash machine.

Take a look at our list of how to keep your car as safe as you can.

When you park your car in a car park that requires a ticket in order to exit, make sure you take the ticket with you.

Do not leave any possessions on display; when you leave valuables or possessions in your car make sure you put them in the boot and lock it. If you do not have room in the boot try to hide any valuables under the seats. Mobiles, cigarettes, CD’s and bags are all prime targets for thieves.

Always try and park in a well-lit and public place, or in a car park that has a security guard or cameras in order to deter thieves and joy riders.

Always double-check that you have shut all the windows including the sunroof, as it is easy for a thief to get in by using the sunroof. Finally, double check that you have locked all the doors, and the boot before leaving your vehicle.

Never leave your keys in the ignition, even for a moment while you pop into a shop or to the cash machine. It only takes 3 seconds for a thief to get in and drive off.

Have the registration number of your car etched into every window. This will discourage thieves, as it increases their workload.

Look into getting a good steering wheel lock and an alarm this acts as a deterrent as it will delay a potential thief. Also, many, insurance companies will give discounts on your premium if you have a quality security device fitted.

If you park your car in a driveway at night, it may be a good idea to invest in some good gates or a removable bollard.

Don’t use your mobile when driving.

One of the most popular hobbies and past times on the internet today has to do with setting up and maintaining your own blog. Blogging is all about creating an online journal or diary that people can read and comment on, so there is a huge community aspect to it. Blogging is all about writing down your thoughts, opinions and ideas, telling stories, posting pictures, creating videos and so much more. One of the biggest questions that comes up when it comes to blogging is which platform for blogging is better for a casual blog writer, WordPress or the Google Blogger platform?

Some people really only set up blogs to create some basic entertainment. These are people who simply enjoy writing. They sit down and begin to type, and they don’t worry about money or visitor counts or anything else like that. Blogging is a great way to meet people, communicate with people all over the world, get your thoughts out, and let out your frustrations or elations at what is happening in your life.

There are also people, however, that are concerned with earning an income, gaining traffic numbers and other serious matters, and for these people, understanding which platform is the best to use is much more important, especially when the two choices at hand are Google Blogger and WordPress. One platform, after all, may be capable of garnering more traffic than the other, and more traffic translates into increased profits for these serious Google Bloggers.

So what is the difference between WordPress and Google Blogger, and why and to whom does it matter?

Google Blogger - Google Blogger is a free, simple and quick platform to work with, but Google Blogger does not give much control, so serious Google Bloggers cannot have all of their needs met with this type of blogging platform. Also, because Google Blogger.com has control of your blog, it can be shut down or taken from you for pretty much any reason at all, meaning that you are leaving your work in someone else’s hands, and that’s not really the best option for anyone that is serious about their content.

WordPress - WordPress is ideal if you are looking for a situation that is more permanent in terms of blogging. WordPress does have a free service, but if you want a permanent or long term blog, you should host your WordPress blog on your very own server – This is something that Google Blogger has not made possible! Hosting for your own site can be found for $10 or less on many websites, and with some simple installation, you can have your own WordPress blog, completely under your own control without anyone being able to tell you what you can or cannot say online.

If you want easy, choose Google Blogger. If you want slightly more complicated but with a lot more control as a result, then WordPress is the only way for you to go.

Interest only mortgages are a relatively new phenomenon in the re-financing industry as well as the home buying industry. While the appeal of an interest only mortgage is typically a greater monthly cash flow, this increased cash flow can come with a hefty price tag. In exchange for more cash flow each month, the homeowner may be sacrificing the ability to obtain a fixed rate mortgage as well as the ability to build equity. This article will further examine these features to provide the reader with more information on the subject of interest only mortgages.

Greater Monthly Cash Flow

The one main advantage for many homeowners in an interest only mortgage is the ability to increase monthly cash flow. Homeowners who re-finance by utilizing an interest only mortgage will likely have more money available each month because they will only be paying interest on their mortgage initially. The reduction of the principal payment can make it easier for the homeowner to either afford a larger house or have the ability to live more extravagantly on their budget. However, there is often a significant price to pay for these types of re-financing options.

While interest only loans may not be ideal, they can be beneficial in the situation where the homeowner is having a great deal fulfilling his monthly obligations. In this case, the homeowner may be willing to sacrifice an overall financial loss for the ability to continue to pay monthly bills in a timely fashion.

Unknown Risks of an ARM

Interest only re-finance loans are typically offered with an adjustable rate mortgage (ARM) this means the interest rate is not fixed and may fluctuate with the rise and fall of the prime index. This risk can be quite costly for the homeowner if the interest rate rises significantly. There is usually a cap placed on the amount, in terms of percentage, the interest rate can rise in a certain period but this can still be a very costly mistake for the homeowners.

An ARM re-finance option with an interest only component may be worthwhile in some situations. For example if the homeowner has a hybrid mortgage which features a fixed interest rate during the interest only portion and an ARM during the principal and interest portion of the loan they might benefit from this situation if they do not plan to stay in the home for longer than the interest only period. This period may vary depending on the lender and the circumstances. Homeowners who plan to sell the house before the interest only period ends and the ARM period begins enjoy the benefits of lower monthly payments and the security of fixed interest rates before they ever have to worry about repaying the principal or dealing with the varying interest rates.

No Equity in the Home

Another disadvantage to the interest only re-finance loans is they do not allow the homeowner to build equity in the home during the initial period where only the interest on the loan is repaid. This can be a problem for homeowners who are looking to profit through the sale of their home. These homeowners may find the participation in an interest only re-finance has had a damaging effect on the profit they are able to generate from the resale of their home.
Like this article? Re-Financing with an Interest Only Mortgage