What Qualifies As Driving Without Insurance

By Christos Chalfont

It is illegal to drive a motor vehicle without a valid insurance certificate covering you to use that vehicle at that time.

Due to the potential legal implications if you were to crash while driving an uninsured vehicle, this offence is taken very seriously by the Magistrates Court.

To be found guilty of driving without insurance the Prosecution simply have to prove that you were driving a motor vehicle on a public road at the time of the alleged offence. Because this is a documentary offence the burden passes to the Defendant (you) to prove that you were actually insured at the time you were driving. This is because it would be almost impossible for the Prosecution to prove that you were not insured and they would have to go through every insurance company in the Country using their insurance database to try and establish there was no certificate in place.

One of the most common ways in which people get caught out with the no insurance law is that they may not actually drive the car, but the law states that you only have to have use of the vehicle in order to be liable for punishment under the no insurance law. Having use of the vehicle can simply mean having the vehicle parked on a public road outside your house and if it is not insured, then you can be prosecuted.

Another way in which many people get caught out with the no insurance law is when they believe that their fully comprehensive insurance policy covers them to drive other peoples cars with their permission. A lot of the time, fully comprehensive cover does not actually include this in the policy.

It is of paramount importance that you understand the terms of your insurance policy and you make sure each and every time you drive either your vehicle or someone else's that you are actually insured. - 23208

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For more information about motoring law advice please click no insurance.

Learning About Short And Long Term Stock Market Investing

By Sam Smith

Investing during a transitional economy is risky. Investment options that were presented as secure a year or two ago are not now and there is a need for clever planning and preparation in order to spread ones risk in investments and saving.

With the stock markets being fluctuating the way they are these days many investors are not clear on what is the best approach to investing. The two basic approaches are the conservative and the aggressive strategies and while both can be fruitful the question is which one will produce the best results in market conditions like these.

The aggressive investors are the day traders. They are considered the mavericks of the trading world and they function by taking larger risks. Larger risks mean possibly larger profits or losses. The way a day trader works is by buying and selling stock many times in a single day.

Conservative investors are the ones that dont ride the market per se. They dont rely on statistical analysis like the day traders do. Conservative investors look at market trends and examine a companies history, management and resources.

When investing in turbulent economic times like the ones we are going through right now it is important to be able to minimize your risks. The way to do so is by varying your investment strategy in a way so that at least your risk is spread. This way when something goes bad you still have your other investments working for you.

Day trading can be both profitable and risky. It can be profitable because a day trader can see returns almost instantly and even during bad economic times by investing in penny stocks and on a regular sometimes daily basis. On the other hand this process is not cost effective in terms of fees and it an approach that requires constant monitoring and work.

Long term investors on the other hand dont really have to be on the lookout all the time, they buy and hold. This strategy involves much less stress than the day trading approach. The problem with long term investing is that it is difficult to jump out of an investment if it goes south. - 23208

About the Author:

Creating an investment strategy can be tricky. Finding the right advice is essential in Creating a solid investment strategy. Speaking to an Investment Adviser is very important and if you live in Toronto you should find an Investment Adviser Toronto.

About Gold Bars

By Jack Wagon

Thousands of years ago, a child was working in a cove were he discovered a rock that was very shiny. That was the time when humans first encountered the existence of gold. It was pale yellow in colour and had a sparkling appearance. Hence, it was given the name gold. Gold was one of the metals that humans discovered a long time back.

Soon it became so popular that it was considered an essential part of almost every human culture. Its endless lustre and fascinating beauty has been inspiring humans for centuries. They have always been found desiring for this metal and sometimes they were and are willing to take others' lives to have it.

Gold was found in various different parts of the world each having its own time lines of discovery, hence, it does not belong to a specific group who discovered it. The discovery of gold imparted exalted feelings equally to everyone.

Another thing, which distinguishes gold from other metal, is that it is one of the easiest metals to work on, as it is found in a pure and workable condition, while most of other metals occur in ore-bodies. In different cultures and civilisations of the world, gold has always been reckoned as a powerful stuff, which was usually associated with immortality, gods, and wealth in different cultures.

As gold can easily be moulded in different forms like nuggets and gold bars, the popularity of this stuff is always on increase in almost all well-known forms. Kings have been using that metal in their crowns. Women have always liked to adore themselves with it. It was also minted in coins and was used as a currency.

As humans have always associated this precious metal with power and glory, it has become one of the most essential objects for them. In the ancient times, gold was used in creating shrines and idols. Besides this precious metal was also used in making of plates, cups, vessels, vases and many other similar objects.

Gold never got its value as money, instead it was considered as priceless possession that every human could have. Hence, this was the reason that many people did all sorts of things to keep it under their possession. People who were slaves and prisoners in many civilisations such as the Indians, Egyptians, Phoenicians, and Hittites were sent into mines in search of gold. It was a time when gold was an obsession rather than just money.

These days gold is considered a must part of almost all types of precious jewellery and it's as adorable as in the past. Though some other precious metals are also being used for this purpose, however none is as popular as gold and none can offer the same grace and glory as gold can offer. It's no more used as money these days, but it is reckoned as something more precious than money. Humans have an eternal sort of love with gold, which doesn't seem to decrease in the near future. - 23208

About the Author:

Jack Wagon is a gold expert. Are you interested in knowing about buy gold bullion. Take his guidance about buying gold at http://www.goldmadesimple.com

IRS Provides Guidance on New COBRA Rules

By Doeren Mayhew

Recently, the IRS addressed how employers are to administer and seek recovery of the new COBRA premium subsidy enacted under the American ecovery and Reinvestment Tax Act of 2009 (P.L. 111-5). The IRS Act provides that an individual who has been involuntarily terminated on or after September 1, 2008, through the end of 2009 is required to pay only 35% of the group health insurance premium to secure COBRA continuation coverage (up to nine months).

The new guidance focuses on digit broad areas: Form preparation - the mechanics of how an employer recovers the COBRA payment subsidy through a payroll credit claimed on bureau Form 941, and administration and eligibility. The guidance also addresses common inquiries surrounding the timing of when the subsidy begins and ends.

How The Subsidy Will Work: Former employees and their family are "assistance eligible employees" if they are eligible for COBRA health insurance continuation coverage as a result of any involuntary termination occurring from September 1, 2008, through December 31, 2009. Those individuals are required to pay only 35% of the group health insurance premium that would otherwise apply.

Under the IRS Act, the "person to whom the premiums are payable" - generally, the employer - pays the other 65% of the COBRA continuation premium. The employer module then be reimbursed by means of a federal payroll tax credit claimed on Form 941.

The Payroll Credit Generally, an employer can claim the payroll credit for the COBRA premium subsidy on Form 941, Employer's Quarterly Federal Tax Return. To do so, the employer should enter the amount of any COBRA premium assistance payments paid on behalf of employees for that quarter on Line 12a. The amount entered should equal 65% of eligible workers' total COBRA premium payments - not amounts received from former employees.

In its Guidance, the IRS indicated that there has been some confusion surrounding the proper number of individuals to be reported on Line 12b as having received COBRA premium assistance reported on Line 12a. The guidance clarifies that only one individual should be counted for Line 12b purposes in a situation where a former employee has also secured coverage for other qualifying individuals such as a spouse and/or children.

Timing Issues from the IRS: The bureau has also clarified that the COBRA payment reduction applies as of the first punctuation of coverage beginning on or after February 17, 2009, for which a qualifying reflex terminated employee is suitable to clear 35% of the premium. The exact fellow of coverage is force upon the punctuation to which premiums are charged to the plan. The 35% payment subsidy generally applies until the earliest of three events: (1) when the past employee secures other health shelter coverage; (2) the fellow that is nine months after the first day of the first period for which the special COBRA payment subsidy provision applies; or (3) the fellow the individual is no individual suitable for COBRA continuation coverage. - 23208

About the Author:

Visit Doeren Mayhew online for more information. Doeren Mayhew is located in Troy, Michigan.

The Best Stocks To Buy Right Now

By Tom Tables

Learn about the best stocks to buy right now with some of the best information that you are going to find. There is a simple way to make money when you know what to buy, but the thing is that you have to learn how. Here are some tips to help with your purchasing decisions for stocks.

Right now, you are going to learn about some of the things, which most can dream. There is an easy way to make money with stocks, but the thing is that you have to know how. Following the trends in the market, allows an individual a simple way to make money.

Presently, two sites are making people a lot of money. This could be the reason why others do not want to share the secret of how they are making money with stocks. That kind of stuff tends to happen when others want to keep all of the profits for themselves and not let others in on it.

Many years of research has gone into the information that you will learn from TrendsFollowingStrategies.com, which is the place to go for trend following indicators. The best recommendation offered is a visit to their site, since no one can give you more indication for what they have to offer than the site itself. The company actually uses a system, which is automated and took them years to develop. The advantage of this kind of system, is how the company is alerted each time there is a change in the market.

At no point will you be exposed to the risky kinds of investments that some other companies tend to use. With EFTs (Exchange traded funds), the chance of losing money is slim. They feel so strongly, about what they have to offer, that they back to with a guarantee for the first sixty days. So, if you are not happy in any way they will not ask why, but give all of your money back.

The other place to go with a great source of information for the best stocks to buy right now is TodayHotStocks.com. You will find the option of a newsletter filled with great information, as well as some free tips and other information. Both of these sites are two places that you are sure to have an increase in the money that you make. - 23208

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Find more on hot stock buys and top stocks newsletter.