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Thursday, July 30, 2009

A Car Body Shop That Gets The Job Done Right

By Anthony James

When you get into a car accident it is a very agonizing situation. You don't need any more stress in finding a good and reliable car body shop. It is very important to choose the right company that is professional and can handle your repair job in a reasonable amount of time. It is not always easy to do that.

There is obviously more than one car body shop to choose from. Each one promises professional and fast results but only a few of them actually hold up to that promise. You will sometimes find a car body shop that is only trying to make easy money. They just want to do a fast repair job without quality.

They will leave quality at the door and only be interested in getting you in and out in the fastest amount of time possible. The trick to finding a good car body shop that has both fast and high quality service is all in the skill of knowing what qualities to look out for in a car body shop. The art of research has made thousands of happier collision victims and you can become one too.

Not only should you look into how trustworthy they are, but also look into the parts they are using. You want to look for high quality parts that will give you a guarantee of some type. Another trusted consumer source that tests and reviews parts is a consumer review sites.

They will approval only on high quality parts. This will give you the assurance you need and confirm that you are working with a reputable car body shop that uses quality parts.

Now that you have found a reputable car body shop, make sure to get a written agreement on the service they will provide. Have them guarantee their work and commit to doing the job right the first time.

This will increase your chances of not having to return to have the same job done twice but in the event that you have to return then they will honor your agreement to fix what they missed. If the company has past the high quality trustworthy test then they should have no problem presenting an agreement to you.

So to avoid the extra headaches in the event of a collision, and to get your car or truck looking normal again quickly, avoid the companies that operate at a sub-par level if you want the job done right. Put some time into research, and you will reap the benefits of choosing the right car body shop for your vehicle.

For more Information on how to find the best car body shop you can, visit customer review sites. You can research and locate the best car body shop for you on these sites. - 23211

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Compare Mutual Funds

By Bob Jones

For the person who is interested in investing in the stock market there are numerous funds that can be worthwhile investigating. When you are doing this type of research, it is best to choose a few different mutual funds. To compare mutual funds you will need to keep various goals in sight. The first one is comparing the performance of the different companies that you have chosen.

This entails looking to see how the company has weathered the ups and downs of the stock market over a previous number of years. While this is not an absolute indication of future success, it will let you know, whether the mutual fund company is capable of performing well, even if there is no clear indication of the prices of stocks changing. You can find this information in various financial papers.

You will get an idea of how the stock market affects different types of mutual funds from these different data sources and, once you have pondered these changes and the way your prospective portfolio is affected by them, you will know which funds are best avoided and which ones are alright to invest in. However, it takes more than merely looking through financial reviews to compare mutual funds effectively.

You will also need to see what types of expenses are booked by the different mutual funds on your list. These expenses will include administrative fees, advertising costs, buying and selling of stocks and bonds charges and also the types of load costs. As most of these expenses need to be borne by the customer, it is advisable for you to research this information thoroughly.

You can find this information in newspapers and on Internet sites. However, make sure that you understand all of the information that you read, as this makes investing in a mutual fund less risky. In addition to these ideas on how to compare mutual funds, you will also discover lots of in-depth articles.

These brochures will explain the different terminology used in mutual fund brochures. You will also be provided with details about the sorts of mutual funds that are available on the stock exchange at the moment.

By examining all of this information, you can make a well-balanced decision as to which mutual funds are worthwhile investing with. Be sure that you examine all of these details before you start investing. The details gleaned from comparing the mutual funds will give you the best chance for investing wisely in the very risky world of the stock exchange. - 23211

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Affordable Health Insurance

By Charlie Fleming

There are many different types of health insurance. One of them is called fee-for-service and is arguably one of the most versatile insurance plans on the market. This report explains what some of the advantages and disadvantages are.

The problem with pre-existing conditions is that they are costly for the health care system. In order for the entire health care system to work, most individuals need to pay more than they would use in their lifetime. People with pre-existing conditions would be using funds before they ever paid into the system.

One of the most popular health insurance carriers is blue cross blue shield. The company originated in Illinois. Now they have thirty-nine association insurance carriers across the nation.

WIC is a great program because it is designed to provide assistance to pregnant women and newborns. They provide milk and food; but not health care coverage. However, they do offer referral programs for health insurance.

Blue Cross Blue Shield is a great carrier to go with if you own your own business or your company does not offer insurance. They offer a flexible spending account for their members. This an automatic withdrawal from your paycheck and it goes directly to your premium.

That is why you need to maintain constant coverage. If you are waiting for insurance from work then buy some temporary insurance. If you are ever injured during a time of non-coverage, it could be up to a year before you can afford surgery.

Humana makes sure they offer health insurance for as many people as possible. They offer plans for governmental workers, senior citizens, families and individuals. They also work with providing healthcare to the military.

Maternity Advantage can help you handle financial hardship. They help lower medical costs and have affordable payments and support. This can assist you greatly.

If you have a pre-existing and you are shopping for insurance, make sure you ask about the pre-existing condition clause. See how long or how much they can give you for the operation. It might be enough to get you the surgery.

Health insurance can be costly. That is why you should estimate how much health care you will need. Some insurance companies have a cost calculator. You might have to do research and talk to a sales man as well.

As an expecting family, you will want to have health coverage. Over the next nine and a half months, you will be seeing the doctor a lot. If you do not have coverage, then you will need support because the bills will begin to add up. - 23211

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Most Common Variables Considered When Calculating Home Insurance Rates

By Amy Nutt

Home insurance provides coverage for homeowners against the risk of loss that may occur from damage, fire or theft. Home insurance rates look at the probability that a loss will occur based on the claims experience of the insured, who is the homeowner.

Home insurance uses individual underwriting standards to assess risk. Risk is the potential for a reduction in value that may occur. When a number of these occurrences happen for a particular insured, the insurance company either raises the rate or drops coverage. It is the hope of the insurance company to not have to pay claims and employ assessment factors to understand better the likelihood that a homeowner is exposed to loss and rates it accordingly.

Certain factors beyond the individual homeowners claim experience include zip code ratings, type of home owned, whether any commercial activity takes place in the home, and the home's overall value in comparison to similar homes within the area. These factors give the insurer the information needed to calculate the probability off loss and adjust rates accordingly.

Hazards are factors that can lead to a loss. There are three hazards, physical or tangible hazard, moral which is character and morale or indifference. For example homeowner A who buys home insurance policy for a home that is rented out to tenants will pay a higher rate than homeowner B buying home insurance on a similar home in which she resides. That is because homeowner A has a higher morale and physical hazard present in the home than homeowner B does. The tenants are not the owner and may not hold the same regard for the home as the homeowner does. This could lead to physical damage, deterioration or even theft.

A census or zip code assessment looks at the instances of crime and vandalism that occurs in a given area. Homeowners purchasing home insurance in high crime areas face higher premiums than homeowners who live in outlying suburbs. There is some controversy over this type of practice and was the basis of a group action lawsuit in Milwaukee in the late 1980s against American Family Insurance Company. The results of the suit led to changes in the underwriting practices in certain minority communities in the City of Milwaukee.

The likelihood that a loss occurs and the probability associated with it results in the rating factor. The rating factor may be set based on community experience or standards and may be reduced over time where individual claims experience results in better a rating.

All insurance provides an indemnity benefit to reimburse an individual for the value of their loss. An insured who believes that the purpose of insurance is to profit or get more than the fair market value of their property do not have the appropriate understanding of what insurance is for. Insurance is not for making a person rich but rather to keep them from becoming poor. To provide piece of mind risk ratings reflect experience, probability and the presence of other measurable variables that can be statistically tested. - 23211

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Understanding Forex Pips

By Bart Icles

The most important thing a new Forex trader must do is to lean how to understand the value of a PIP in a paired currency. A PIP is the acronym for Percentage In Point, or Price Interest Point which is the smallest measure of value in any paired currency in Forex.

Since Forex spreads are relatively very small, and Forex transactions involve mostly large amounts of currency, the currency pairs of majors are quoted accurately to the fourth decimal place, with the exception of the Japanese yen. For example, if the USD/EUR shifts from 1.2345 to 1.2346, the change is 1 Pip. If it shifts from 1.2345 to 1.2305, then it moved by 40 Pips. The 6 most liquid and widely traded currency pairs globally are the:

* EUR/USD, also called the 'EURO" * GBP/USD, also called the "CABLE" * USD/CHF, also called the "SWISSIE" * USD/JPY, also called the "NINJA" * USD/CAD, also called the "LOONIE", or "BEAVER" * AUD/USD, also called the "AUSSIE"

The currency pair of EUR/USD is the most widely-traded of the 6 majors, averaging 100 Pips a day.

Also, profits and losses are measured in Pips, with the exception of the USD/JPY, since it is quoted at the second decimal place due to having a cent or of a hundredth in some major currencies. The yen's Pip value is .01, while other majors are placed at .0001.

If you trade the currency pair of USD/JPY at 110.95 and moves to 111.0, it gained 5 Pips. With a quote of 77.48 that changed to 77.53 would mean a 5 Pip increase. If it were the USD/CAD pair while at 1.0234, then changes to 1.0224, 10 Pips would have been lost. Trading with the AUD/USD with an exchange quote of 1.9876, the Pip equivalent is .0001, as it set by market makers at 4 decimal places.

Basically, when you hear someone say, "30 Pips", it denotes thirty units of value in trading. Individual currencies are not similarly quoted in terms of Pips, so it's best to review all the currencies you encounter during your trading. Dealing with large sums might seem daunting at times, but will get easier gradually as you begin to get acquainted with Forex trading as time passes.

Many other currencies besides the Yen have a four decimal place - those mainly paired with the USD at .0001. If you just keep in mind that a Forex Pip is one unit of the furthest listed decimal place, and that each currency pair is assigned a different value, then you'll be well on your way to becoming a future, successful trader. - 23211

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