Car Insurance Policy- When To Choose A High Deductible?

By Chimezirim Odimba

It is very important to choose the right deductible on your auto insurance policy. Have you made the right choice? The premium charged on your auto insurance policy is inversely proportional to your policy's deductible. Did you know that? Permit me to explain why your deductible is so important and how you can use it to get more out of your policy.

Deductible refers to the amount that the insured will have to pay before claiming protection of his or her policy. How does the deductible affect your premium? the premium on your auto insurance policy will go down as your deductible rises. Since higher deductibles implies lower risk for insurers, you can easily bargain and bring down premium charged on your policy.

One should offer to pay a high deductible if risk of accident, theft or vandalism to one's automobile is not very high. If you live in a safe neighborhood or are an experienced driver or have installed alarms in your car, offer to pay a high deductible and bring down your premium. If you are certain that you will not qualify for affordable auto insurance, you can offer to pay a high deductible and bring down cost of your policy.

You should keep in mind that paying high deductible is not a bad thing per se. It all depends on your conditions and requirements. Offering to pay more in the future to save money immediately is smart thinking. Always pay high deductible on your policy. You can always use money saved on your auto insurance premium to pay the deductible when the need arises. Of course, if you never make a claim, this amount is saved on your premium is a bonus.

On the other hand, if risk of theft, accident or damage is very high, it is better to opt for a low deductible policy.

If you want to increase your deductible and bring down your auto insurance premium, you should search for the right auto insurance deal on the World Wide Web. Online insurers are flexible in their approach and offer many benefits in exchange of the promise to pay a high deductible. Online quotes help you determine your exact savings if you offer to pay a high deductible.

All you need to do is input the information required and the relation between your premium and deductible will be on your screen. The biggest advantage of online quotes is that they are available for free and come with no strings attached. Take advantage of your deductible to bring down your auto insurance costs today. Log on to the web for the best deals. - 23211

About the Author:

Learn more here: Safe Auto Insurance and Really Cheap Auto Insurance. Chimezirim Odimba is an insurance expert.

Forex Options Strategy

By Hass67

Have you heard about George Soros; The legendary manager of Quantum Hedge Fund who had made a cool $1 Billion profit from a single bet. In the early 1990s, one day he was sitting in his office discussing currency markets with his associate. Both of them were of the opinion that the British pound was overpriced and Bank of England could not sustain its price for long.

He purchased $10 Billion of puts and calls forex options by gambling all the assets under his control as collateral on a single bet that in the end made history.

George Soros had perfect knowledge of the currency markets. He was sure of his bet and had the conviction that the Bank of England could not prop the overpriced British pound for long. His conviction was shared by other currency speculators. The only difference between him and them was the huge amount of the bet he placed. Bank of England was forced in just of 24 hours to take the British pound out of the European Monetary System and let it float freely. His gamble had paid off.

The value of British pound plunged. George Soros gamble paid off. He is now famously called the Man who broke the Bank of England.

Currency markets are huge. Everyday roughly $3 trillion gets transacted in the forex markets. There are many methods, the traders can use for profiting from the volatility in the currency markets.

As a retail forex trader you can trade any of these contracts: spot, futures and options. Forwards and swaps are two contracts that are also traded in the forex interbank market between large institutions like banks, corporations and hedge funds.

What are forex options? Options are derivative instruments that allow you to buy or sell an underlying asset at a price known as exercise price before or on a certain date called strike date. There is no obligation on you to actually buy/sell the currency like that in futures.

Currency is the underlying asset in forex options. You can purchase a forex options on payment of a certain premium. This is the price that you pay for getting the right but not the obligation to buy/sell a certain currency.

How do you profit from forex options? When the currency price is above/below the strike price, you can exercise your option to buy/sell that currency by buying/selling the currency at the strike price. The difference between the strike price and the currency market price is your profit.

If the currency market price is below/above the strike price of the forex options contract that you had purchased by paying a small premium; you can simply let the options contract expire. You only lose the premium.

If you want to try forex options then there is a very good forex options strategy that lets you profit regardless of the direction in which the currency market is moving.

This forex options strategy guarantees 30-50% ROI sure shot profit for you. If you feel satisfied with this much return you need to take a look at this method. - 23211

About the Author:

Mr. Ahmad Hassam is a Harvard University Graduate. He is interested in investing, options and forex trading. Read more about Forex Options Non Direction Trading System. Discover a revolutionary new Forex Robot

Trucking Insurance Coverage at the Best Rates

By Steve Turner

With the competitive market right now it is possible to get great rates for your trucking insurance policy. Drivers of commercial trucks should get a quote from an insurance provider that specializes in trucking insurance to see if they are more cost effective.

Trucking insurance coverage does not generally take into account the age of the truck in determining the rate. This is because insurance providers have seen that for the most part older trucks are taken better care of than newer trucks.

Tires, brakes, and safety features should always be kept in the best condition. To purchase trucking insurance you have to prove that the truck has passed a Department of Transportation inspection.

Safety is one of the biggest concerns in the trucking insurance business. Putting into place additional safety features and reporting them to your insurance provider could qualify you for discounts on your policy.

The more experience that you have as a driver the cheaper your premium rates will be. If you have a clean driving record you may also see a reduction. Insurance providers could also reduce your rates if you have been insured with them for a number of years.

Trucking insurance coverage can be purchased for usually around $750,000 and $1,000,000. Adding cargo insurance to the basic policy is generally a good idea for all commercial truck drivers.

A wonderful resource to utilize when shopping for trucking insurance is an insurance broker. Since brokers work with numerous insurance providers they are able to help you obtain the best purchase price for your policy. - 23211

About the Author:

Steve Turner will be able to quickly help a driver to find the lowest Trucking Insurance rates. Trucking Insurance Rates Steve Turner works with numerous providers and can find a driver the most competitive price for a driverr Trucking Insurance policy. Trucking Insurance Prices

Review of Forex Megadroid

By Brandy Winehouse

Are you searching for a Forex robot? One that is engineered to perform amazingly accurate? The solution may be in the Forex Megadroid. What it does is simply amazing. It is simply a carp-shoot to accurately predict the immediate future from 2-4 hours using only your human mind. But with Forex Megadroid, you will become like a Forex prophet who profits by predicting the forex results in the an uncanny 95.82% accuracy.

Why is this important? There is huge profits to be made in the Forex trading market Currencies are always fluctuating. As a Forex trader having this tool, knowing the immediate market trends can make a world of difference in your trading. It is reported on average that this robot has turned every dollar invested in 2009 into three dollars. That is an astounding 200% profit Some have even done better than that.

Because the forex market is so volatile, you need a forex robot that can reliably predict the profitable pip moves before they happen. What is so special about Forex Megadroid is that it can predict the Forex market in any kind of financial environment using proprietary computer-based permutations called RCTPA or "Reverse Correlated Time and Price Analysis."

However, please keep in mind that the founders of Forex Megadroid, John Grace and Albert Perry, are not just some nerdy brainiacs who wear horned-rimmed glasses, out-of-date cloths, and pocket protectors. No, quite the contrary... These guys have 38 years of real world experience in foreign exchange trading. They know through through this experience what are the common indicators of up or down forex movements. It was based upon this experience that the inner workings of the forex prediction robot called Forex Megadroid was conceptualized.

Foex Trading on Auto-Pilot - Powerful Stuff!

Having a system that will help you trade forex effectively on auto-pilot is the perfect way to become financially independent. If you are looking for a system to base your investing future on, look no further than the Forex Megadroid robot at http://www.forexmegadroidreview.com/. - 23211

About the Author:

Forex Megadroid review. Get Weekly Updates on the Progress of Forex MegaDroid from someone you can trust!

Using Stocks To Manage Your Investment Risk

By C.P.Billows

Whenever you invest, you are taking a risk. The goal is the manage it and not avoid it.

Every good investor knows that he should set aside some of his portfolio for long-term, lower-risk investments. The other portion can be used for medium to higher-risk investments depending on your financial circumstances and other life factors.

Allocate Wisely

A good rule of thumb to follow is: Allocate 50% of your portfolio for the long-term, lower risk category no matter how great a speculative short term pick may appear.

This will take discipline, but on more than one occasion it will probably save you in no small way.

Most of the systems and strategies you find on the Internet are high-risk, high-gain where you can be wiped out in a single transaction.

Take a risk! I do, but only with a certain percent of my funds. You should do the same.

So let's say for example that you choose to invest in long-term, lower-risk stocks with 50% of your portfolio.

Let's start by defining what a good long-term stock is. Some will call them large-cap stocks, other's call them Blue Chip stocks.

Blue Chips will be the common stock of a nationally known company that has a long record of profit growth, dividend payments, and a reputation for quality management, products, and services. Some examples would be International Business Machines, General Electric, and DuPont. They are relatively high priced and have moderate dividend yields.

There is no true master list of Blue Chip stocks. That is because the definition of what is and isn't a blue chip stock varies greatly. Essentially though, its a consistent top performing stock.

Look to such indexes as Dow Jones Industrial Averages and Standard and Poor's 100 Averages to see such lists.

The problem is that you may invest in long-term, lower-risk stocks that stagnate for years on end. Yet, even such stocks have their ups and downs and the profit you see (or don't see) can be exacerbated by current market conditions.

Your entry time could be poor and you may have to wait years to see a break-even point on such a stock.

You still need a proven strategy with so-called "stable" investment stocks.

Buy and Sell Wisely

To get the most gain out of the stocks you buy and help to minimize your risk, you need to employ one of the tools used by professionals, which is Technical Analysis. You will use some Technical analysis to help you determine the price to buy in and the price to sell. Technical analysis is merely putting a stock through a mathematical formula.

When you employ this tool properly, you can get many times the profit you currently get or others get with the old 'buy and hold' strategy.

Each technical indicator is made to tell you something slightly different. Some will tell you the momentum of a stock, its trend strength, volatility limits, how much its diverging from previous price patterns.

Some of these indicators, while good, are for short-term action. Others are more geared for long-term action. So just because someone swears by an indicator, it doesn't mean that its the right indicator for you in a certain application.

The indicator that we have become familiar with is called the Stochastic oscillator. This indicator is a momentum indicator that is based on closing prices of a stock that doesn't take into account wild daily fluctuations. It bases the current close against previous closes to indicate buying pressure or selling pressure.

Simple use of this indicator can make you lose money quick should you not understand how to properly use it. If you have ever traded using momentum indicators, you know that many false signals can be created. Whipsaws or false movements that quickly reverse in the indicator create further problems. The more people try to compensate for the weaknesses in the indicator, the worse it seems to get.

That is until development of the K-39 Theory, also called the Last Stochastic Theory. This theory will guide you in how to ignore those false signals and take advantage of the built-in momentum of the stock.

This way you can find ways to trade the best Blue Chip stocks and know when are the better times to buy and sell. You will then have the bluest of the blue chips thanks to this method. - 23211

About the Author:

C.P.Billows is the publisher of In The Money, the Stock Options Trading Course, a 60 page eBook available at www.mandalainvesting.com. The eBook has given hundreds of people the investing edge they need to keep ahead of inflation and taxes. Click here to submit article.