Buy Your Home and Auto Insurance Together and Save Money

When it comes to insurance you always want to make sure you are covered for the least amount of money. After all the less money you pay on insurance the more stays in your pocket every month. One of the easiest ways to save money on all your insurance needs is to purchase it through the same insurance company. By combining your home and auto insurance with one provider you can not only save money but there are other benefits as well.

One of the first benefits that comes to mind is convenience. If all your home and auto insurance needs are covered by one company your life is much simpler. You will only have one set of contact information to keep track of which means only one phone number for any questions or claims you may have. This can also mean that you will only have to deal with one agent who understands your combined coverage’s. This agent will also be able to better keep on top of any changes to your policy that will be of benefit to you.

With a combined coverage your payments will be much easier. Most companies with combined home and auto insurance coverage’s will invoice you for both policies at the same time. This means that you will only have one payment a month for both types of insurance and would no longer need to remember which time of the month you would have to make a payment for which insurance.

As mentioned earlier a major benefit of combining your home and auto insurance into one package is saving money. Many companies will discount your insurance premiums up to 10% if you purchase a combined policy from them. Over the course of a year those savings can add up, meaning more money in your bank account.

If you currently have your home and auto insurance with separate companies you might consider asking both of them if they offer a combined policy and how much, if any, money you can save by switching to them. If you are able to this you will find your life to be a little easier and you can save some money in the process.

Posted in Uncategorized | Comments Off

Home and Auto Insurance Basics

If you have a car and a home, you already know that you must have some form of home and auto insurance. However, if you’re a first-time homeowner or car buyer, you may be confused as to what’s available and what you might need.

First, you have to remember that insurance laws vary slightly from state to state so you’ll want to keep that in mind when you are shopping around for quotes. Second, you will want to spend some time getting quotes from more than one company to make sure you’re getting the best coverage you can afford.

To make sure you are getting a good price for your home and auto insurance you will want to use a combination of methods. You should use a couple of online websites to provide you with quotes from a variety of providers. Additionally, you should take the time and actually make a few phone calls yourself. By calling the providers, you’ll be able to speak with a person who might be able to give you information regarding possible discounts.

For your auto insurance, you’ll need to make sure you at least carry the minimum coverage based on the laws of your state. Most states have very strict guidelines for the minimum amounts of coverage for personal injury, but it’s a good idea to maintain more than that minimum.

The same is true for most home insurance. Most states have a minimum dollar amount, but when something happens, repairs often cost more than anticipated so it’s a good idea to have coverage beyond the bare minimum.

When considering home and auto insurance, it’s a good idea to try to go with a company with an actual agent in your town so that if something happens, you’ll have a person there pretty quickly. However, keep in mind that many companies these days rely on call centers. This means that if you have a car accident or damage to your home, you’ll contact the call center (which may not even be in your state), and they will send someone out to you.

The vast majority of companies will provide you with a discount if you have both home and auto insurance from them. There are a number of possibilities for obtaining a discount for your home or auto insurance policy.

Some companies offer auto insurance discounts for the car’s safety features, an alarm system, having day-time running lights, and even if you’ve taken a defensive driving course.

Home insurance discounts are generally available for building materials (brick homes are considered to be flame resistant), having a fire station nearby, having a home security system, and even using solar energy in the home.

However, you have to ask for these discounts so you’ll need to do your homework when in the market for insurance.

Just remember, you want to make sure that your home and car are properly covered should you need to make a claim. Taking the time to do a little research into the best home and auto insurance for you will only be beneficial in the long run.

Posted in Uncategorized | Comments Off

How Does Newspapers Get News From All Over the World

It is a day written in gold for all citizens of India. An Indian shooter has reached the finals of the Olympics. Every Indian is eagerly awaiting the finals to begin, to encourage, to share, the joy of watching an Indian winning Olympic gold medal for the first time in history. His success will be the headline news in India.

It will probably make the front-page of all Indian newspapers both regional and national. The editors have a choice on how to cover the match. They can rely on various new-agencies and/or they can send their own sports reporter and a staff photographer to cover the event live. The editors decide to fly out their own team.

The reporters and photographers arrive in Beijing well ahead of the event. This enables them to prepare reports on the finalists to build-up interest in the competition.

The match is due to start. The results will be out soon. The reporters and photographers have to send their reports and photographs within the deadline prescribed.

The press box is busy. The reporters can type their copy into their portable word processor. Their laptop is a remote terminal of their papers main computer. When their stories are complete, the reporters simply attaches the audio coupler or adapter to the telephones, key the number of their newspaper, and the text is sent along the wires directly into their computers thousands of kilometers away. A 2000-word article is sent in less than a minute.

The final of the shooting competition ends in a brilliant and sensational victory for the Indian. In addition to their reports already sent, the reporters will now interview the winner.

The photographers request other international news agencies for picture-transmission equipment. The photographers processes their films and then feeds the best negative into a transmitter. This dispatches the image along a telephone line which emerges as high-quality duplicate negatives back in their respective newspaper computers.

After interviewing the shooter, the reporters prepare their final copy, rearranging and correcting the text on the laptop visual display unit screen and transmits their follow-up article. This gives more details and visuals than is found in the news-breaking television, radio, and print reports. This final report contains additional information about his future prospects, his family background, his other interests, and an account of his lifestyle.

Front-page Article

The respective sports editors at various newspaper offices access the report on their desktop screen. As per their discussions earlier at an editorial meeting, the report will be the sports page lead. There will also be a front-page news item adapted from the main article which also the editor can access on his own screen.

The subeditor then checks, corrects, and adjusts it to fit the space allocated on the page by the sports editor. The subeditor can access on his screen an image of the whole page showing all the other stories, headlines, and pictures plus advertisements that have already been set.

The subeditor knows exactly what space there is, as the editor has already chosen the picture that will illustrate the article.

The draft is now finally edited on screen to fit the space and an apt headline written to fit the picture and article. If needed, a picture caption is also written by the subeditor.

Now all copy for the first edition must be set in type to meet the deadline. This is done up with all the other copy for conversion into type by a high-speed phototypesetting machine. A 2000-word article is typeset in less than a minute.

The typesetter produces a ‘bromide’ (a print of the type on photographic paper) for positioning on the page according to the approved layout. This can be done by using the computer.

There are many newspapers that still prefer to physically cut up the bromides and paste them into position on a page-size card. The subeditor rechecks the article and picture and makes sure that no mistakes have happened before or during typesetting.

When all is set and ready (text, headlines, pictures, layout, and design) the complete page is photographed and a film negative (a large black and white film) generated from which the printing plates (plastic-coated zinc or aluminium printing plates) for the presses are made.

The drafts are circulated by the sports editor and the editor. Once the pages have been approved, and checked by the proofreaders, they are taken to the printing department.

Now, the final reports are ready to be photographically transferred to plastic-coated zinc or aluminium printing plates. The plates pickup the images in ink and transfer them to the paper.

The papers are now ready for distribution. The papers should reach the customers well in time. The success here is determined by the speed at which the newspapers distribute their copies to their readers. To help them achieve this, they first distribute the first edition to the far-flung areas and then to the nearer areas. These latter editions may look a bit different from the earlier editions as a result of fresh news breaking out which may in turn claim space on the front page.

All the newspapers in India are sold out the next morning. As all citizens of India are enjoying and discussing this first Olympic gold medal, quoting from various newspaper articles and pictures, the sports reporters and photographers are awaiting their next assignment from their editors. For these reporters and photographers their day is yet to begin.

Posted in Uncategorized | Comments Off

Publicity Predicament #9 – How Can I Take Advantage of Breaking News?

If a news story breaks that relates to the services or products you sell, become alert, find an interesting way to make the connection, and take action as soon as possible. This is one of the fastest and cheapest ways to earn media coverage that captures attention in the marketplace.

The news you use as a hook might be front-page stuff or much more obscure. It could be national, international or local.

Let’s say you’re a plumber and you learn that the price of copper, which has been sky-high for the last year, suddenly dropped. The connection is that homeowners will soon have an opportunity to undertake kitchen or bath renovations for less because the price of copper pipes will be lower.

Or an earthquake occurs halfway around the world, killing thousands, in a city thought to have a low risk of quakes. You own an insurance company. You now have an opening to offer advice on whether or not those living in your locale should have earthquake coverage.

Or a celebrity’s young daughter gets kidnapped, ransomed and returned home unharmed. Your firm manufactures bracelets that also secretly function as location devices. Had the daughter been wearing one of your bracelets, the police would have been able to find her within an hour.

Got the idea?

In the first two of these situations, the business seeking publicity serves local customers only, so they should direct their publicity tie-in efforts to local newspapers, TV and radio. In the third situation, the company should aim at national publicity first, since their customers live anywhere.

The simplest way to jump into action with your breaking news connection is to call a media outlet you have reason to believe would consider your story relevant and track down the reporter or editor who handles the subject matter. This is much easier than it sounds. You see, tips are the lifeblood of news organizations, so that unlike companies that shield employees from the public, they have to have a system of channeling story suggestions to the proper person.

All you have to do is call the main telephone number of the media outlet, ask for the “news desk” and then ask who you should contact about a real estate (for our first example), business (for the second) or child safety (for the third) story. When you reach the person covering your topic, explain your news connection in four sentences or less. If you’re leaving a voice mail message, end with your call-back number. If you’re talking to someone live, finish your pitch, shut up and wait for their response.

You can make this sort of pitch by email also, if you have a reliable email address for a reporter, tip line or topical editor. Keep it brief and to the point and include a phone number as well as your email address for a reply.

When you’re trying to interest national media in your story, pitching media outlets one by one takes too much time. If you have a particular media outlet you think would be a likely match for your publicity angle, contact them as described above. For example, the child safety bracelet story would be perfect for morning TV news shows like “Today” or “CBS This Morning.” Otherwise, writing and distributing a press release is the way to go.

A press release presents your news tie-in in a specific journalistic-style format. (Google “sample press release” to find models to follow.) Normally these are 400 words or less – a page or so – in length. Use a press release distribution service such as PR Newswire, PRWeb or Emailwire to get your release in front or media people and the public.

Above all, do not delay. What’s hot and exciting today may evoke no interest at all tomorrow or next week. Inform yourself now about all the steps described here so that when news breaks that can launch you into the public eye, you’re prepared to jump right into action.

Posted in Uncategorized | Comments Off

Forex News Trading – Trade the Forex News For Massive Pips

Having the answer to things like “where will the EUR/USD move to by the end of the day” would be worth a few pips in anyone’s book. More than likely a whole lot more than a few. Anybody with the power to tell the future would make a pretty fine forex trader!

Nuisance is, the capability to foresee the future isn’t included in my range of super-power, so I utilize more down-to-earth methods to spot trends. One of the biggest weapons I have in my forex trading arsenal is a solid insight of the value of trading the news.

There is a lot of argument about which is the best trading strategy to use. Technical analysis or news trading. Dart chucking even gets a mention in some circles. I’m open to most ideas but I prefer to have actual money in my trade accounts so I don’t think I’ll be using the dart system anytime soon.

I get my best results from trading breaking news. Catching an early trend, has opened some of the wildest, most moneymaking waves in my currency trading career. Yes, there have been some that didn’t work out exactly as planned, but overall, news trading has been how I paid my bills for many years.

Defenders of the technical analysis systems might argue that third-party information isn’t an accurate enough way to trade. I say bull-dust. Breaking forex news drives mass currency movements in both directions and catching a trend early is as good a way to almost guarantee profits as anything I know of.

Take a quick example. The Somewhere Land Central Bank decides their national currency is overpriced. An overpriced currency makes exports expensive, cutting down on export demand and ultimately leads to declining manufacturing output. Why make stuff nobody is going to buy? Falling production means less jobs, increased welfare costs and less spending cash for consumers. Not really what the Central Bank gurus had in mind for poor old Somewhere Land.

To counter the rise, the Central Bank sells local currency on the markets. A lot of currency. Billions. End result? Your dollar (or Canadian Dollar or Pound) is suddenly worth a lot more of Somewhere Land’s currency.

Had you caught the trend, then you would be trading as near the peak as possible. You probably won’t be in on it (unless you are on speaking terms with somebody within the Central Bank of Somewhere Land) so the next best thing is to get on the bandwagon as soon as the news breaks. The news breaks, you open your trades.

While you’re joyfully accumulating pips (and profits), the technical analysis traders are looking at their indicators trying to figure out where the next move is coming from. By the time their analysis catches the pattern, our forex news trades are making cold, hard cash for our accounts.

One of the sticky points for selecting a forex broker has to do with their level of news services. Your broker might well have the best applications, lowest spreads, best leverage, but if their level of news reporting is mediocre – you’re missing out on the big movers.

All the major trading houses around the world have dedicated news trading teams. They know the value of getting in while the going is good and fresh, so trading the forex news plays a big part in their overall strategy.

Quick question for you. Is your trading that profitable you can afford to ignore the tools the big trading houses use? Take the next step in your career and learn to trade forex news. Your fx trading profits will thank you for it.

Posted in Uncategorized | Comments Off

How to Approach News Breakouts

News break outs occur upon the release of major economic announcements. When released, these events can trigger moves of sometimes over 70pips in a few minutes. When a key or major fundamental announcement is to be made, a few minutes to this time we usually notice market moving in very choppy sideways or counter trend. During this time, straddle the news positions them well ahead of the said news event to take advantage of the initial price spike. Truth is, not all news events support this strategy. Before letting you into the news events that support this strategy, let me quickly bring to your awareness that you do not need to spend up to an hour trading this very approach.

You may need to be in the market or trade for just 15minutes and you are out for profit or for a little loss. How this happens is that you need to plan ahead of time the events that require the approach. You do this by running analysis using the economic calendar. The first thing you need to consider is the time of release of the event, followed by the impact of the event. The next is to determine whether the event supports this break out strategy as well as currency pair best suited for the event and the potential it has. To determine these, you may need the resources at forepeacearmy.

The 5 minutes trader report gives a guide on how to this with precision. Having determined the above, the next thing is to come to the platform at about10 or 5 minutes before the release and set up your orders. Doing it some 5 to 3 minutes before the release helps to more than position you for greater market move and also reduce the impact of high volatility that often characterize some of the events. At this time the market is usually quiet.

Technical break out: this kind of break out occurs without any news event in sight. It can happen in the morning during the opening hours as well as in the evening time towards the close of the market. Before the market opening for certain currency pairs and market sessions, the market is usually in a very choppy mode and very quiet too. During this time, the big moves are being planned and you should learn to move along with them. Quite often the market would have defined the direction it wants to go before it becomes quiet attempting to determine where to break out. For EURUSD and GBPUSD, this can happen early morning between 8 and 10 am when there is no news.

How to position you for the big moves: the key strategies that pay

To position you for taking advantage of the big moves during the time, some order types and how to go about placing them need your attention. There are basically 2 main order types for taking advantage of market break outs and these include: the buy stop and sell stop pending order.

The buy stop order is a pending order type that allows you to place a trade at less favorable price level. This is used when you are not certain of the current price level but still speculate that it will rise. However, it is also clear to you that when it riches that certain level you are planning to get into the trade, it may be almost impossible for you to enter due in large to pressure and busy context on the platform and of course most platforms. As a result the trader decides to enter ahead at a less favorable but still considerable profitable price level. To place a buy stop order, you simply consider the current price and then place your buy stop order some pips above the current price. For example, if current price for USDJPY is at 98.800, your buy stop order could be placed at anywhere above this price, say at 98.900 or above. Take profit will be above the entry price which 98.900 0r above and may be some 20pips or more above, while stop loss is set below the entry price.

Sell stop order is simply the opposite of buy stop and is set below the current market price when it speculated that price will fall with force. It is worthy of note to state that when placing any of the order types, consideration should be given to allow some allowance in the profit targets given that entering at a less favorable price higher or above the current price would be eaten into whatever potential the market may possess. This you need to determine in your analysis particularly for news break out. For technical break out, the pivot point and Fibonacci levels will be of great help.

Posted in Uncategorized | Comments Off

Health Wellness – News Break on Inflammation, the Secret Killer

Inflammation is on the increase causing chronic pain, discomfort and poor health that may lead to serious disease! Learn what you can do to fight it…

Inflammation is a culprit that can lead to chronic pain and serious disease. It seems that you hear about the word inflammation every day on the news. Scientists are now linking inflammation with a wide variety of conditions including:

All types of pain
heart disease
Alzheimer’s disease
Gum disease

Although inflammation has not been pinpointed as th cause of all these conditions, it has been well-documented as playing a part in them – often intensifying the symptoms and effects.

So what exactly is inflammation, how can it effect you?

What is inflammation?

Inflammation is your immune system’s response to damage. This damage can arise from trauma, bacterial, viral or parasitic infection, stress, genetic abnormalities, metabolic disorders and a host of other sources. Certain life style conditions can also contribute to inflammation: poor diet, stress, being overweight, a sedentary lifestyle and smoking. Inflammation can cause redness, swelling, heat, pain and loss of function.

When you are injured, the inflammatory response immediately moves into action. White blood cells rush to the scene of the damage and begin to destroy the damaged cells, while sending out chemical signals that call for more help. That is when unstable molecules called free radicals are released. Free radicals, now considered key players in many diseases, start to attack the damaged area, destroying some healthy cells in the process. This new damage leads to yet another round of inflammation. And so the cycle of inflammation continues: called chronic inflammation. And that is when the trouble begins!

How inflammation affects your body over time?

Though you may not see or even feel inflammation, it may be silently burning within your body right now. Over time, this collective damage can spell trouble for the immediate area of inflammation as well as your overall health.

Posted in Uncategorized | Comments Off