Auto & Motor

Three Things to Consider When Taking Out Motor Trade Insurance

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If you run a company where you or other staff members need to drive vehicles belonging to customers, you will require trade insurance to ensure you and your colleagues are covered in the event of an accident or other issue. Here are the basics you should know before you select a trade insurance policy for your business.

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The Type of Policy You Need

There are different levels of insurance you can take out for your business, just as there are when you take out private insurance for your own vehicle. You can opt for third party insurance, which is the legal minimum and affords you only a basic level of protection. In the event you or a colleague hits a third party, your policy would cover their costs but not those of you and your vehicle. The next level of insurance is third party, fire and theft. This covers a third party in the event you hit them, and also covers your vehicle for fire or theft. Fully comprehensive insurance is the highest level and covers you for third party damage, fire, theft and any other accidental or malicious damage.

Shop Around

As with private insurance, you’ll find …

Business

How to Get Qualified for a Payday Loan

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Sometimes, your paycheck doesn’t last as long as you would like it to. Other times, an unexpected expense occurs and you can’t wait until your next paycheck arrives. This is when you can look into getting payday loans Mississippi residents often rely on. Getting qualified may be easier than you think.

Have a Job

The first thing you need in order to qualify for a loan is a job. You will need to show your work history as well as paycheck stubs. This way, a lender can verify that you’re employed. They can also determine how much to lend you based on what the amount of your next paycheck is likely going to be.

Determine the Amount of the Loan

Consider how much you need. It may be a hundred dollars or considerably more. Be sure that you only borrow what you need. You will typically have to pay back the full amount of the loan with your next paycheck. If you’re unable to do that, it can result in high fees as well as the inability to borrow from the lender again.

Submit an Application

Once you can prove that you’re employed, and you know how much you need, …