Category Archives: Finance & Insurance

China and Bitcoin

In 2015 China’s markets started to slow down – even crash some would say.  Capital is fleeing to safety in other countries.

Below are some thoughts from CoinTelegraph.com.

Sounds like a perfect spot for bitcoin to come to the rescue, no?

Bitcoin’s unique ability to move money globally in seconds seems like a natural fit for any financial market in need. With Bitcoin’s overall market value at a mere US$3.3 billion, a fraction of that investment into U.S. real estate would easily double bitcoin values.

A smart Chinese investor would look into the history of Bitcoin in 2013 when it was initially introduced to the Chinese market. Values jumped almost tenfold within one-quarter, in conjunction with Mt. Gox’s market accounting issues. With over US$22 trillion on deposit, the Chinese market making even a small shift towards bitcoin could make 2013 look like a mere token of their esteem.

How to Buy Penny Stocks

Penny stocks are stocks that are sold in the over-the-counter (OTC) markets at prices lower than $5 and as low as fifty cents. How is it a good source of profit?

You have a larger volume of shares to sell because of the cheap price. For instance, if you have $1000 as your capital, you can buy 2000 shares of stock worth fifty cents, compared with having 100 shares worth 10 dollars.

This makes penny stocks a good opportunity for gaining bigger profits. However, in this business, you have to be well-informed in terms of the different aspects of the business, most especially on how to buy penny stocks.

Penny stocks do not meet the minimum requirements needed to be traded in the major stock exchange. These are rather traded in over-the-counter markets because of its inconsistent values in the stock market trends and because of the very low price.

This means that penny stocks are not always in demand. The trading volume of penny stocks rise and fall all the time, almost every minute. That is why a penny stock investor will have to deal with these changes and learn to develop certain strategies to keep up with this kind of business.

There are many small companies that trade penny stocks. You can purchase from them the penny stock that you want to sell in the market. You can reach these companies online.

However, you have to presume that not all penny stock companies in the internet can be trusted.  For starters, you can seek recommendations from a stock broker. He can help you find reliable penny stock companies.

If you are not sure which penny stocks you will have to invest in, the best thing to do is to make a penny stock list. This will be a list of penny stocks worth investing in, their description, and sources.

This is quite challenging, because you have to figure out the movement of these penny stocks in the market. Your stock broker can always give you a hand in this case, or you can make a thorough research so you can better understand it yourself.

If you hired a stock broker, he will be the one who will make the deal between you and company. Once the deal is done and you have your penny stocks with you, you can now market them.

Ask assistance from your stock broker as you run your business and observe your penny stocks in the stock market. Make sure that you have with you some stock tips to help you achieve good profits.

Penny stock business offers big possibilities of good investment. However, be reminded that each decision you make in the business is crucial. That is why you have to be well-informed of the ups and downs of the business.  If your are not sure about what you are doing you won’t sleep well at night.

Make sure that you have the proper knowledge on how to buy penny stocks and learn to make wise choices as to which penny stocks you will be investing in.

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Budget Auto Insurance And Your Liability

Among all the things that a person needs to be careful about in buying, car insurance can be one of the biggest decisions. Although there is a lot of competition among insurance companies some people still end up paying more for their insurance because they do not know what they are dealing with.

The only way to get budget car insurance is through figuring out how to get a lower quote while getting sufficient coverage and what factors can actually affect the rates one gets on an insurance policy. Among the many other factors that can affect insurance rates is age which is something that can seriously have an impact on the kind of insurance rate one gets.

This is because all insurance companies want that they are safe and this can happen only if they sell insurance to risk free clients. But since this is not a possibility and they have to sell coverage to all types of clients, they make the premium and monthly rates higher for risky clients in order to save themselves from trouble. This is something that all insurance companies would do so there is not really any way out of it. But you can still try some things that can lower your self employed liability insurance quote.

For instance since drivers under the age of twenty five are provided with a higher insurance quote, it can really have a huge impact on the discount rate if one puts an adult’s name in the policy also. Gender can also have an impact on policy rates and women are more likely to have budget car insurance quotes because they are considered to be safer drivers.

Marital status is also something that can be indicative of accident risk since statistics imply that people with wives and children tend to drive safer since they tend to care that they want to be with their families for a long time. Even the fact about where you live can have an impact on your insurance quote simply because where you live is where your car is at and if it is a dangerous neighborhood then the car is more likely to receive damages.

In fact if you live in a low traffic area then you will be charged a lesser amount than someone living in the middle of a busy traffic city or suburb. Your previous driving record is of course another consideration when it comes to finding the lowest insurance rate because tickets and other misdemeanors on your record can be more risky for the insurance company. This is why if you have tickets that are about to be dropped you should take care about letting them drop first before you buy the insurance so you can get a lower rate.

The kind of car you have can also affect the budget car insurance UK or US quotes because the car type will specify how much the company will have to pay in case of accident. For a cheaper car you will have to pay lesser amount while an expensive car will be more expensive to insure.

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Options of Car Leasing

Car Leasing

If you are looking to buy a car, car leasing may be a better option for you.  Using the option of a lease means that you can drive a car that you usually may not be able to afford.  You can expect lower monthly payment, oftentimes a lower up front down payment, and even cheaper insurance at times.  Drive the car for a shorter period of time and then at the end of your lease agreement you have a couple of options available to you, return the car or purchase it.

The first is that you can sign into a new lease which means your monthly payments stay low and you will be driving another brand new car.  Car leasing also means that that you can drive a luxury vehicle, one that you normally could not or would not be able to afford.  Starting out with a low down payment is definitely a plus advantage of car leasing.  Some lease companies can also set you up with insurance and other benefits such as tire replacement and road side assistance.  If you don’t drive your car as much throughout the year you should look into the benefits of a car lease.

At the end of your car leasing agreement there are two options available to you.  You can purchase the car out right or you can return the car and start a new lease.  Purchasing the car is a plus because you can negotiate at a used car price.  You have already had the car for a period of two to three years so you know what to expect and how the car is running.  Most people who prefer leasing do so because they prefer to always being in a new luxury vehicle and they do not mind the lower payments.  Upgrading to a new car every two or three years appeals to them.

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Cheap Car Insurance for Young Female Drivers

It used to be a time that young female drivers weren’t considered to be an auto insurance risk, that was something that most people expected of young male drivers.

Not anymore. Today, young female motorists accounts for half of automobile-related accidents and deaths on the road today. It’s no surprise that many car insurance companies are now making their rates significantly higher when young motorists particularly under the age of 25 are involved.

The parents of such youngsters are also understandably concerned because it reflects on them and their budget, especially in these economically tense times.

So, the burning question, is there any available cheaper liability car insurance for young female drivers?  Well, that can depend on the record of the individual young female motorist and how responsible-or irresponsible they have been. If the young lady has a B driving record, they, the car insurance company, will give her a 15% insurance rate, provided if they are willing to take a refresher course with Drivers ed on defensive driving.

It can also help if the young woman drove a cheaper car, which would cut down immensely on auto insurance rates and premiums. When she gets little older and can fend for herself, then she can get her own car and pay her own insurance. Meanwhile, she’ll have to drive the family sedan.

Parents can also play a major part in bringing down their daughter’s auto insurance rates. They may set “grounding rules”, if she gets into one more accident or mishap, she’ll lose the car for the whole summer. That’s their version of lowering car insurance rates!

So young ladies under 25, if you want to find the cheapest car insurance for young drivers, you can only find it by taking a closer look at your driving habits, and if wanting, learning how to be a more maturer and more responsible driver.

In the meantime, be careful out there on the road!

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