A cheaper way to insure your treasures

Article Abstract:

It is worth considering using a specialist insurance policy for valuable art works and antiques, as premiums can often be lower than those offered by a non-specialist insurer. There are also benefits to be gained from dealing with an insurance company that has extensive knowledge of the antiques market. Nordstern Art Insurance Ltd, which specializes exclusively in art works and antiques, employs people who have a background in arts as well as insurance. It operates a system of agreed values, ensuring that in most cases a claim for losses is met very quickly and in full.

Insurance, Insurance Carriers and Related Activities, INSURANCE CARRIERS, Insurance industry, Art, Antiques

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When the bank is bare ...

Article Abstract:

It is worth considering trying to raise money from a pawnbroker if cash is required immediately for a short period and it is not possible to obtain money from a bank. There are around 600 pawnbrokers in the UK, while the National Pawnbrokers Association has 240 members. The APR quoted by a pawnbroker will seem much higher than that charged by a bank, but it is important to realize that a bank's APR does not take into account additional charges, such as letters on the state of the account.

Planning, Personal finance, Pawnbroking

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Britain joins the eco-tax warriors

Article Abstract:

The UK government's use of the tax system to encourage environmentally-friendly behaviour is discussed. The latest initiative is the climate change levy, a surcharge on all supplies of energy from fossil fuels.

Public Finance Activities, Corporate Taxes-Savings Incentives, United Kingdom, Analysis, Environmental policy, Tax incentives

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