Here we stand in the middle of the toughest credit crunch in modern history, and on the one hand, we are informed that the worst of the financial part of the crisis is over. Unfortunately we are informed that unemployment is nowhere near its peak, and in the UK is expected to grow from the already historic high of 2.2 million, right up to 3 million.

In the current climate car owners are significantly reducing the mileage they do in their cars, therefore they require less and less servicing and wear parts, and as the credit crunch continues to take effect, especially when unemployment adds to it, there will be many people giving up their cars completely.

Therefore, if you’re an automotive retailer, which goods should you stocking in order to protect your profit, and so overcome the negative effect of the credit crunch on your income?

You’ll probably already know that, universal wear-parts and consumables are constantly excellent sellers, and as the credit crunch deepens, more and more people change over to doing their own simple maintenance tasks. This means that bulbs are a good item to stock. There aren’t too many different SKUs to fit the entire range of cars on the market. Wiper Blades are the same. Not too many sizes cover the whole market, they’re easy to fit, and frequently need replacing. It’s the same situation with items such as Oil and Air Filters, Spark Plugs etc., as drivers begin to do their own simple maintenance.

As a retailer, you’ll also see that sales of car care products such as quality car shampoo and Car Care Wax will increase as drivers move away from using car washes as they try to reduce costs, and take steps to better maintain the condition and value of their car.

Other items to stock in a credit crunch are upgrade or luxury items like in-car entertainment and Sat Nav Systems, as well as items for customising your car, like sports steering wheels, seats etc. These items cover a wide range of prices with the cheapest items starting at less than £10, being things like Gear Stick Knobs, performance Car Wipers or even retrofit Flat Wiper Blades. At the top of this range of products people will spend thousands on a customised interior, sports suspension, performance brakes etc , etc.

The paradoxical thing about a credit crunch is that sales of this type of product will hold up, or even increase. That’s because those people who are still in work often find that they have more money to spend. Interest rates tumble, reducing their mortgage payments, and many commodity prices also drop. However, because of uncertainty about their job security, these same people are unwilling to commit to major capital expenditure such as buying a new car. They therefore end up holding onto their car longer, and so they start to indulge themselves by spending their increasing disposable income on upgrading, updating or personalising their car.

from your current provider on your Home and Car Insurance policies. After mortgages, this is the best area to save money by requesting new quotes. According to the RAC, the average quote of £629 for car insurance falls to £415 if you shop around, while home insurance cover tumbles from £385 to £250. The internet makes it incredibly simple to find quotes, and if you don’t spend at least one lunch hour a year finding a better deal then I wish I had as much money as you!.

1. Reclaim Loan protection insurance
Pricey and poorly sold, Loan protection insurance is one of the most profitable products formed by the finance industry. It can add £3,000 to the cost of a £7,500 secured loans. Many people who were sold ppi could’t claim on it against it these people are abel to demand their money back again.

Many companies will attempt to claim the money back, but you will pay a 25% premium on the monies awarded. Instead, call the FOS which is currently upholding around four out of five complaints about being missold PP . Helpfully, it offers a factsheet on how to make a complaint about PPI which you can find at financialombudsman.org.uk

2. Cancel your mobile phone insurance
Naive youngsters are strongly pressured in phone shops into spending between £50 and £70 a year on this insurance. But the benefits are minimal: most won’t cover you for the only major risk, airtime abuse (if your phone is ued to call overseas, and if your phone is lost your home and contents should coiver it.

Mobile phone insurance is easy to cancel just stop the direct debit.

3. Rethink your life insurance
You can also cancel your life insurance. Just because the life insurance was sold to you with your mortgage you don’t need to to stick with that provider for the life of the home loan. the policy can be canceled at any time to get a cheaper quote. With the human lifetime improving (ie. fewer people dying), the insurers have been cutting rates for many years.

If you are in a job at a big employer, it is likely to offer “death in service” benefit worth up to three times your annual salary, and often more. Do you really need all that life cover on top as well?

4. Don’t pay for travel insurance you don’t need
Step 1 Obtain a European Health Insurance Card (EHIC) from ehic.org.uk or at your local Post Office. This has replaced the old E111 forms and gives you reducedcost or free medical treatment in EU countries and Iceland, Liechtenstein, Norway and Switzerland. You may even obtain treatment faster, as you won’t have to rely on a hospital waiting to receive authorisation to treat you from an insurer.

Step 2 Check your home insurance policy. most cover your belongings ouside your house.

Step 3 Check your medical insurance policy, if you have one. These often pay treatment costs incurred abroad. If traveling to Europe, the only real benefit that travel insurance cover brings is cancellation cover. Can you justify paying the premiums?.

For those who travel outside the EU, travel insurance is a must, though. Policies that last for a year and cover you for more than one trip always make sense if you go away more than once a year don’t pay for what you don’t need. E.g., f you don’t ski or snowboard, you don’t need winter sports cover.

A person who is being charged with a crime has intrinsic rights and is protected by applicable provisions of the constitution. It is also crucial to recall that there are legal procedures that must be followed when charging a person for a criminal offense that differs state to state. Your complete awareness and understanding of your constitutional rights and the protection of your constitutional rights are the primary concern of a Cincinnati Criminal defense attorney. If you are being accused of a crime, it is essential that you know when it is time to get the services of a Cincinnati criminal defense lawyer.

A person can actually have a criminal case before being arrested. In this situation, a magistrate or judge authorizes the arrest of a person being charged with a criminal offense with the issuance of an arrest warrant. Police authorities will implement the arrest warrant by locating the person being charged with the offense.

The procedure for the implementation of the arrest warrant requires that the person being arrested is furnished with a copy of the arrest order. Be aware that the authorities are not required to have a copy of the arrest warrant in order to implement the order. However, they are required to give him a copy of the order for his arrest within a reasonable period of time lest they be penalized for illegal arrest. This is when the person who is subject of the arrest warrant should seek the advice of a criminal defense lawyer.

Once the person is arrested, he undergoes the booking procedure. This includes the documentation process where the fingerprinting and other procedural requirements are done by police authorities. The arrested person is given the chance to talk to his attorney while the booking procedure is being done. While the person is in police custody, he is allowed to talk to a criminal defense lawyer. The arrested person will remain in the custody of the police until the court hearing is arranged and such court hearing must be done within 48 hours from the time the person is arrested. It is crucial for the accused to talk to his attorney especially before the court hearing is done.

The person being charged with the criminal offense will be asked by the judge to enter a plea after being presented with the specific charges filed against him in court. The plea can either be guilty, no contest or not guilty. If the defendant chooses not to enter any plea, the court, through the judge shall enter a not guilty plea in his behalf.

Notwithstanding the circumstances of the charged person, they should plead not guilty particularly if it is believed there isn’t enough evidence. Then the court hears the case to decide if the person can be convicted or acquitted of the crime that he is being accused of.