Save Money with Van Insurance

By Jim Frame

Commercial van insurance can be quite different from that of its domestic car counterpart. Though you may not be aware, there are subtle disparities between them that are important to know in order to get the best coverage for your money.

First, identify the inventory in question. The purpose of the van is an important aspect of determining the amount of insurance you will also need. If you are moving lumber, or produce, or require refrigeration for dairy products, you will need different levels of coverage; the higher the importance of product, the higher the level of insurance.

Specialized equipment (like refrigerators or humidifiers) must be taken into consideration on top of the type of inventory. Not only does the quality of your inventory depend on their peak performance, but damage that could occur in an accident or theft would also need to be covered.

Likewise, your liability premium may be higher than your family car because vans are large and dangerous. If you get into an accident--even if it is not your fault--you may cause more damage because of the size of your vehicle.

From weather conditions to mechanical failure, many measures outside the control of the operator can contribute to an accident and since vans are indeed much larger than cars, unfortunately they are also more susceptible to accidents. The damage you might cause to foreign property, or people themselves, must be taken into consideration when calculating your deductible. Most of the time these factors are outside your control and it depends on the policy of the insurance company how it will affect your premium.

Not only will you have to consider the calculated risks you could incur to other people or property, but you also face the threat of your own life if you find yourself in a major accident. Vans also maneuver different than cars--which are lower to the ground--and can roll from the combination of a sharp turn and high speed. Even safe drivers are caught off guard sometimes and that can affect the way insurance companies price their coverage. You may need an extra policy to cover this.

You can never be too cautious when it comes to your own safety (or that of the people who work for you). This type of coverage is not always included in standard services and you may need to seek it elsewhere.

Often times private companies (especially small, local ones) are more flexible with their conditions than the national chains. Third-party insurance (as it occasionally called) can be more affordable, however that depends on what you're hauling and how much coverage you ultimately need. If you use your van to deliver flowers, minimum coverage may be all you need, but if you are transporting vital organs for a medical company or fresh meat for a butcher shop, perhaps you should consider full coverage from a more recognized chain. Either way, knowing all the facts will help you make the most educated decision possible in regards to your van insurance. - 23211

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Insurance For Young Drivers And Civil Law Suits

By Jerry Dodd

In today's world, most people consider cars a necessity and not a luxury. However, cars are still considered large purchases, and not something we rush out and buy every day or at the drop of a hat. Maintaining a vehicle and the additional car insurance, gas and expenses that go along with owning one is a large chunk of anyone's budget and not an easy task to complete.

In almost every state in the USA, car insurance is a legal requirement. Young drivers often have a difficult time buying car insurance. This is because many young drivers have accidents. They also tend to drive fast, exceeding the posted speed limits. Even though it isn't easy to find, there are some insurance companies that are willing to write auto insurance policies for young drivers.

If you have a young child who is of driving age or about to be driving age, chances are strong that they are acutely aware and ready to take a vehicle out on the road. Before this can happen, one of the key considerations is an insurance policy for the vehicle they are going to drive in their own name. To find this coverage, you will need to compare the rates and policies of different insurance companies to find one with the coverage that you need at an affordable rate for your son or daughter.

Before issuing young car insurance, companies verify certain details like the model of the car and the safety devices installed. They also verify the academic record of your child because it is perceived that an academically brilliant student will be cautious on road too.

In addition to the information above, the insurance company will also want to know if the young driver has a clean driving record, even though they have not been driving for very long. If there have been accidents or citations issued, they will want to know. If the driving record is clean, with no citations or accidents, the the insurance premium rate will be lower.

Though there are many auto insurance companies which are wary of issuing insurance policies to teenagers and students, there are some insurance companies who are not averse to sanctioning polices if the youngsters satisfy all the stipulations laid out by them, which is a good news.

To give you an idea how insurance and the legal system would work in the event of an accident, let's look at a scenario in which your child was involved in an accident. In this example, your child is not at fault, the other driver caused the accident. There is damage to the vehicle your child was driving, so you make a claim under the auto insurance policy that was purchased in the child's name for the property damage to your vehicle. The insurance policy will pay for the damages per the policy agreement.

Let's say that after the policy has paid, there is still some property damage, perhaps things on the vehicle that were not included in the policy you purchased. Your child also suffered some minor injuries, and you had the mental anguish caused by dealing with such things. After the insurance has paid, you have the opportunity to file a civil law suit against the other party involved in the accident. The law suit would be for legitimate damages not covered by the insurance. Just remember, obtaining justice through the legal system can be a lengthy process, so you will need to remain patient. - 23211

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Before you get an auto insurance quote online, make sure you check out Jerry Dodd's excellent site on auto insurance and car insurance.

Forex Books Reveal All

By Anthony McDonald

Forex books are many. There are some that are free for anyone to download and there are some that are paid. Looking into the free books it seems like there is a lot of repeat information that can easily be found in your favorite search engine. Hoping to succeed on a free forex book is a bad start for a beginner trader.

It was clear that forex books that are free just can not give you the secrets of the trade that you need to succeed. Most of the free books seemed to have common sense in them that even the new trader should know, and many had useless or contradicting information inside. I hope that there is no one that relies on these free books as a guide!

With many forex books available to purchase I tested out quite a few to put them to a true test. The paid guides seemed to have a better quality of information and content, but for the most part they did not offer and gold mine tips that would change your trading to make the success they claim. It seemed like most of the information in these guides was nothing that the average trader could figure out in a matter of a few months.

Surprisingly many forex books avoid proper trading methods and management of your trades. At this point it nearly seemed like there was no hope for any of these online books. After some more research and testing i discovered a method that the big traders use that was very hard to find.

Sorting through all the forex books searching for one that had something to offer, this one method had more to offer than most of the forex books combined. It is no wonder the big traders have kept this as their little secret and chose not to share it with the public, the results are insane! In the first month of using this one method I had doubled my trading account and made record profits! - 23211

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Health Insurance In A Bird's Eye View

By J.D Theis

Understanding health insurance is not that simple as it appears to be. Just like any other insurance policies it also requires a vast knowledge and mastery of assessing risks and probabilities.

The insurance business was basically established to reduce the risks in the end of the people by charging them amounts of money that can assure their future financial stability. In general insurance policies on health care assures the policy holders that whatever the situation may be as long as it has medical and health concerns then you are covered by your insurance policy. But there is more to it that getting and giving money.

Health insurance just like other insurance types assists policy holders from future possible losses by collecting premiums. The premium rate of an existing insurance policy is determined by the risks that the company is taking in the stead of the policy holder. It can be said that the riskier you are, the more probable that you will be charged with expensive monthly premiums. The services rendered by the insurance company, in terms of its comprehensiveness and applicability greatly depend on the value of the premium being charged to the policy holder. Getting cheap insurance is not always the best choice.

There are medical insurance policies that put some situations in the policy holders' end that are excluded from the other compensation offered by the insurance companies. Some insurance companies even require the policy holders to be subjects of the insurance companies through the underwriting evaluation. The underwriting evaluation is the evaluative tool used by most insurance companies in computing for the value of the company's act o taking the risks of the policy holders. In this evaluation, the generalization on the policy holders' risks and profit ratio will be used by the company to decide whether they are insuring the person or not.

Healthcare insurance coverage does not cover every single expense that the policy holder has incurred. There are times where the policy holders are asked by the insurance company to fulfill deductibles and copay. Copay is also called as coinsurance which obliges the policy holders to shoulder some expenses in every prescription and visit to the doctor. There are cheaper insurance policies that even blind side the policy holders by giving very narrow coverage to the policy holder's medical needs. Fortunately, in the recent assessment of the Federal Government of the United States it is said that most insurance companies are still doing what they are deemed to do- protect individuals from future expenses. - 23211

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Shorting Stocks

By Ahmad Hassam

When the market is falling, investors sell short a stock with the goal of profiting from the fall in the price of that stock. Many beginning investors get confused when they realize that it is possible to make money when the stock falls in price. In practice, shorting a stock is as easy as buying stocks once you get hang of it.

The difference between the selling price and the buying price in case the price goes down is your profit. When you short a stock, you borrow it from your broker and sell it with the intention of buying it back at a lower price in the near term future and returning it to your broker.

When the price of a stock goes down, you make profit. You are anticipating further fall in the price of the stock when you short a stock. However, if the price of the stock instead of going down starts to go up, you get a loss.

Theoretically a stock price can go up and up making your loss as big as infinity. So shorting a stock without proper risk and money management is not wise. However, before that happens most probably you will receive a margin call from your broker that leads to a forced sale before your losses reach unmanageable proportions.

Some people are against the strategy of shorting stocks. In the stock market crash of 2008, many financial companies went bankrupt due to the short selling of their shares by the speculators. A temporary ban was put on shorting for sometime during that period.

In swing trading, we are simply looking to profit from the ups and downs of stock prices. When the price of a stock goes down, short selling is the best swing trading strategy. However, the goal of short selling is not to drive the price of a stock to zero and put the company out of business.

Negative news like poor earning, credit rating downgrade or a poor product launch can bring down a stock price in a matter of minutes and wipe out the steady gains made in months. One reason why swing traders love short selling is due to the velocity of the moves!

Shot selling can be a good hedging strategy for long term investors too. So if you a long term investor, you can lessen the impact of the sharp price drop on your portfolio by using a short selling hedging strategy. Swing traders always look for big winners and this brings them to the short side of the market. When the price of a stock starts to fall, chances are it will fall more before the market stabilizes and the price starts to rise again. - 23211

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