Cheaper Home Owners Insurance Quotes -- Did You Try The Following Recommendations?

By Chimezirim Odimba

How well have you done in your quest to bring down your homeowners' insurance insurance rate? Have you limited yourself to one or two recommendations that your friends shared with you a long time ago? Won't you like to get more tips considering that will imply saving even much more? I have a few more guaranteed tips here...

1. Do you have a fire extinguisher or fire extinguishers in your house (depending on the number of fire sources presently in your house)? If you don't have any other place, make sure your kitchen has one. And do ensure that it is such that is adequate for the kitchen in question.

A fire extinguisher is only beneficial if it can be reached and as well works well. So make sure it is in its best condition and within easy reach. Doing this will help you reduce your premiums.

2. Your premium will be cheaper if you do routine maintenance of your home. Do you have dead branches on trees on your property? As soon as you spot it, take care of anything that could cause a damage or give rise to a liability claim. Such a good maintenance routine would reduce your home insurance premium.

Cheap Home Owners Insurance Rate

3. Make sure you do NOT fail to subtract the land's cost from the home's value while applying for a home insurance policy. Those who ignorantly do this pay for more insurance than would be of any benefit. They just insure their home for its complete value without removing the cost of the land.

If you did such ignorantly, you need to review your homeowner insurance insurance coverage and check it again with your agent. Subtract the cost of your land and buy coverage only for your house and its contents.

This means you will spend far less on home insurance. Since insurance is for things that can't afford to lose, insuring the land which can neither get lost or damaged isn't a smart move.

4. Everybody loves to own a beautiful swimming pool. Nevertheless, it will raise your rates substantially mostly if you do not have a fence round it.

While I won't tell you to avoid a swimming pool on your property, ensure that you take all necessary safety precautions. Doing otherwise will make you pay far higher rates.

5. You can get lower quotes on home insurance today by visiting not less than five quotes sites. Each quotes site will take you around 5 minutes or less to receive homeowners' insurance insurance quotes. (Some folks present information that is not really true about themselves. That isn't a smart move since the quotes you'll get this way will NOT do you any good). You'll have to pick the best home insurance quote for you from the list of quotes you've obtained. That's all there is to it. Nevertheless you could easily save hundreds of dollars. - 23211

About the Author:

Start making huge savings now here: Home owner Insurance Quote and Compare Home Contents Insurance. Chimezirim Odimba writes on financial matters.

S&P Futures Explained (Part III)

By Ahmad Hassam

The monthly identifiers for the E-mini S&P futures contracts are H for March, M for June, U for September and Z for December. The E-mini S&P futures contract trade almost 24 hours per day with a 30 minute maintenance break in trading from 4:30 to 5:00 PM daily.

The margin requirements for E-minis are much less than the normal contract. The day trading margin is less than the margin to hold an overnight position in S&P 500 E-mini Futures contract. If you are a new E-mini trader you be careful as traders are expected to pay for the difference between the margins for the entry and exit points. In case you lose at the end of the day you are likely to pay in a big way.

All futures contracts are settled daily (assigned a final value price). Based on this settlement price, the values of all positions are marked to the market each day after the official close. Your account is then either debited or credited based on how well your positions fared in that days trading session. In other words, as long as your positions remain open, cash will either come into your account or leave your account based on the change in the settlement price from day to day.

As losses are not allowed to accumulate without some response being required, this system gives futures trading a rock-solid reputation for creditworthiness. It is this mechanism that brings integrity to the marketplace.

Leverage: Because futures markets are highly leveraged, the effect of price changes is magnified. With stocks, you typically pay the price in full (i.e., without leverage) or on margin (50 percent leverage). If you speculate in futures and the market moves in your favor, leverage can produce large profits in relation to the amount of your initial margin. However, if the market moves against your position, you also could lose your initial margin and then some.

Suppose you buy one E-mini S&P 500 index futures contract when the index is trading at 1000 and you have decided to put $10,000 into your futures account. Your initial margin requirement for that one contract is $3,500.

You could realize a profit of $2,500 (50 points - $50) if the index increases 5 percent, to 1050 from 1000. Conversely, a 50-point decline would produce a $2,500 loss. Each one-point change in the index represents a $50 gain or loss because the value of the futures contract is $50 times the index. The $2,500 increase represents a 25% return on your initial investment of $10,000. It is a 71% return on your initial margin deposit of $3,500.

An increase or decrease of only 5 percent in the index could result in a substantial gain or loss in your account in either case. Thats the power of leverage. Similarly a decline would eat up 25% of your original $10,000. It is 71% of your initial margin.

Indeed, leverage is the key distinctive aspect of futures trading as compared with stock trading. It makes your money work harder and produces more in a shorter period of time when everythings going your way, than if you paid for everything in full, up front. In such a situation leverage can be a beautiful thing.

Now suppose you use $5,000 in your account to buy an E-mini S&P 500 contract worth $50,000. However, prices fall by 10 percent instead of going up, and the contracts value drops to $45,000. Your $5,000 is completely gone. This is the dark side to leverage. Youll be obligated to put up even more money if the market keeps moving against you unless you get out of the position with an offsetting sale when your maintenance margin level is violated. Leverage is the one ingredient that can produce either horror stories or happy endings. It is extremely important that you fully understand the power of leverage and how to manage it well to get the happy ending. - 23211

About the Author:

Mr. Ahmad Hassam is a Harvard University Graduate. He is interested in day trading futures and currencies. Trade Dow Futures and S&P Futures!

Visitor Insurance Policies For Visiting Parents

By Ray Sondeo

It is very important for visitors to the United States to be covered under a health insurance plan. Especially parents who visit the country to meet their children and friends need to be insured as the medical costs in the U.S are very expensive.

There are various U.S visitor health insurance plans available such as Visitor Medical insurance, Visitor Health Insurance and Non-U.S Citizen Insurance. These medical insurance plans have been underwritten by prominent U.S companies and all claims can be administered in U.S. Parents, immigrants, scholars and students can easily enroll online in these plans.

Visiting parents get a lot of benefits when they prescribe to health insurance plans. They can be made use of in the U.S as well as several other foreign countries. Several of these plans include a feature which allows visiting parents to visit and consult doctors and hospitals that fall under a U.S based PPO network and along with this, even the facility of direct billing is offered to visiting parents.

People residing in the U.S can search for different insurance policies that their parents can avail, on the insurance website and easily purchase them. They need to is fill in details of age, the maximum coverage needed, the extent of the coverage period required and citizenship. After analyzing the details given, a good number of options regarding the most beneficial health insurance plans are displayed from which an option has to be selected.

Visitor medical insurance plans are specially made to cover expenses arising from illness and injury when visiting the US or any other foreign country. Visitor medical insurance plans can be purchased before or during the time of travel from a time period of 5 days to three years.

The maximum medical coverage offered under visitor health insurance plans ranges from $50,000- $100,000. They cover several factors such as doctor's office fees, prescription drugs, emergency medical evacuation, repatriation of mortal remains, accidental death and dismemberment an as emergency medical expenses (both inpatient hospital and outpatient).

No matter how healthy parents are, one can never really tell when illness might strike or when an injury might occur. All ailments and injuries ranging from a twisted ankle to major accident require immediate medical attention which includes prescription medication, diagnostic tests and hospitalization and as such the total medical expenditure might prove to be very expensive. Taking visitors medical insurance plan can provide the much needed assurance to the insured and he can travel without worrying about such aspects.

Visitor insurance plans are available to suit every requirement and preference of the visiting parents. Thus, it is very essential that every visiting parent examines all the visitor insurance plans and takes up medical health insurance before going abroad. - 23211

About the Author:

Ray Sondeo often writes about Visitor insurance.

Cheap Homeowners' Insurance Rate -- Six Time-Tested Tips For Greater Savings

By Chimezirim Odimba

Do you want cheaperhomeowners' insurance rates? If answered "Yes" you need to do everything within your ability to find out as many steps as there are to cheaper rates. Following are several tips that will help you reduce your rate by up to 50% if you use them correctly...

1. Smoke and fire detectors will will go a long way in reducing your home's fire risk. Install the right numbers of smoke and fire detectors for your size and kind of house if you intend to use this to get cheaper rates. If you have them, don't forget to change their batteries twice every year.

With such detectors fires will be spotted on time and put off more easily before they can do any real damage. And since the risk of fire in a house is a defining factor in calculating home insurance premiums, you will spend far less by taking this step.

2. Get a group home owners insurance policy if within your reach because you'll pay less with it. You can check with associations you belong to because they may have group discounts for home insurance.

Though, before you use this option, compare the premiums you will get from such an association with what you'll spend with another insurance company. For a good number of reasons you could be better off NOT buying from a particular group's insurer. Shopping extensively will enable you get the best rates.

Cheapest Homeowners Insurance Quotes

3. Fixing special security and fire systems that are monitored 24/7 is a wise move. Apart from the peace of mind you will have in knowing your house is under constant surveillance by competent professionals, you will get cheaper home owner insurance premiums. Even though the discount this will attract will differ from one insurance company to another, you can expect to bring down your home insurance rate by as much as 25%.

4. Do you have locks on all your windows? If you do NOT you will be paying more because of that. You can take this to another level by fixing burglary-proof bars on all your windows. If you're not one of those folks who feel so uncomfortable with these kind of fittings, they'll help you get reasonable discounts. If you have nothing against this quickly fix them in your home and enjoy more affordable rates.

5. A fire-safe home exterior will help lower your premiums. You'll be doing the right thing if you don't have anything that is inflammable close to your building. Although cutting bushes around your house looks simple, you'll pay cheaper home owners insurance rates if you do maintain them at a distance of at least 10 feet from your building. The risk of a fire in a house is a very strong issue that influences your home insurance rate.

6. You can get better rates on home insurance now by visiting at least five quotes sites. Each quotes site will require around 5 minutes or less to request quotes. (Some people give information that is not really true about themselves. That isn't a smart move as the quotes you'll get this way will NOT do you any good). You'll have to select what represents the best home insurance quote for you from the list of quotes received. That's all there is to it. Nevertheless you could easily save hundreds of dollars. - 23211

About the Author:

Get more tips at Home owners Insurance Quotes and Cheap Home Contents Insurance. Chimezirim Odimba is an insurance expert.

Trusting A Nationwide Auto Insurance Agent

By Pedro Calfsman

Naturally there are heaps of different car insurance agencies that you could go thru, but if you'd like one that you can truly trust in, Nationwide is a name that you are going to wish to become more acquainted with. This is an auto insurance firm that is respected around the planet for their great offerings, and you may be a part of this too.

One of the finest parts? You can actually trust in a Nationwide auto insurance agent, something you wouldn't always be in a position to do if you were working with another automobile insurance corporation. If you're interested in finding a Nationwide auto insurance agent, there are a few ways you could go about this.

The Company

Before you worry about finding a Nationwide auto insurance agent, you must learn rather more about the company and what they have to give. For one, when you choose a Nationwide Blue Ribbon claim services, you get a written guarantee on repairs, and all repairs come with a written guarantee for as long as you own or lease the car.

Another great advantage is that you get a choice of qualified vehicle repair shops you can have faith in, and these shops are all pre-screened and pre-qualified for the absolute highest service level. This way you never need to fret about dealing with shady, unreliable mechanics, and know that you are always getting the absolute best price for your money.

Finding an Agent

The quickest way is perhaps for you to go on their Internet site if you're looking for a Nationwide auto insurance agent and click on the find an agent link. You are then brought to page in which you must enter a little bit of personal information including your address, city, state and zip-code.

After you have submitted this they're going to present you with the results, advising you of which Nationwide auto insurance agent is closest to you.

Of course there are other automobile insurance corporations that you could go through as well , but when you know that there is one you can trust and which is always going to offer you the lowest rates, why would you want to go anywhere else?

You count on your automobile to get you where you are going each day, and so of course you need to be able to count on your insurance company just the same. - 23211

About the Author:

Finding the right Nationwide car insurance.Agent selection will be easy. What you need to do is go to our Nationwide car insurance.Review website for readily available information on car insurance.