WAJAH SEIRAS ARTIS DAN ARTIS YANG ADA DI MALAYSIA YANG RAMAI TAK PERASAN

WAJAH SEIRAS ARTIS DAN ARTIS YANG ADA DI MALAYSIA YANG RAMAI TAK PERASAN

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Choose a broker who offers an appropriate trading platform

It is important to choose a broker who offers a trading platform that will allow you to do the analysis you require. Choosing a reputable broker is of paramount importance and spending time researching the differences between brokers will be very helpful. You must know each broker's policies and how he or she goes about making a market. For example, trading in the over-the-counter market or spot market is different from trading the exchange-driven markets. In choosing a broker, it is important to know your broker's policies. Also make sure that your broker's trading platform is suitable for the analysis you want to do. For example, if you like to trade off of Fibonacci numbers, be sure the broker's platform can draw Fibonacci lines. A good broker with a poor platform, or a good platform with a poor broker, can be a problem. Make sure you get the best of both.

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Sumber: superkiram.net

Forex Trading Tips: Tricks of the Successful Forex Trader

For all of its numbers, charts and ratios, trading is more art than science. Just as in artistic endeavors, there is talent involved, but talent will only take you so far. The best traders hone their skills through practice and discipline. They perform self analysis to see what drives their trades and learn how to keep fear and greed out of the equation. In this article we'll look at nine steps a novice trader can use to perfect his or her craft; for the experts out there, you might just find some tips that will help you make smarter, more profitable trades too.

Define your goals and choose a compatible trading style

Before you set out on any journey, it is imperative that you have some idea of where your destination is and how you will get there. Consequently, it is imperative that you have clear goals in mind as to what you would like to achieve; you then have to be sure that your trading method is capable of achieving these goals. Each type of trading style requires a different approach and each style has a different risk profile, which requires a different attitude and approach to trade successfully. For example, if you cannot stomach going to sleep with an open position in the market then you might consider day trading. On the other hand, if you have funds that you think will benefit from the appreciation of a trade over a period of some months, then a position trader is what you want to consider becoming. Just be sure that your personality fits the style of trading you undertake. A personality mismatch will lead to stress and certain losses.

Choose a broker who offers an appropriate trading platform

It is important to choose a broker who offers a trading platform that will allow you to do the analysis you require. Choosing a reputable broker is of paramount importance and spending time researching the differences between brokers will be very helpful. You must know each broker's policies and how he or she goes about making a market. For example, trading in the over-the-counter market or spot market is different from trading the exchange-driven markets. In choosing a broker, it is important to know your broker's policies. Also make sure that your broker's trading platform is suitable for the analysis you want to do. For example, if you like to trade off of Fibonacci numbers, be sure the broker's platform can draw Fibonacci lines. A good broker with a poor platform, or a good platform with a poor broker, can be a problem. Make sure you get the best of both.

Calculate your expectancy

Take a look at your last 10 trades. If you haven't made actual trades yet, go back on your chart to where your system would have indicated that you should enter and exit a trade. Determine if you would have made a profit or a loss. Write these results down. Total all your winning trades and divide the answer by the number of winning trades you made. Here is the formula:

E= [1+ (W/L)] x P – 1
where:

W = Average Winning Trade
L = Average Losing Trade
P = Percentage Win Ratio
Example:

If you made 10 trades and six of them were winning trades and four were losing trades, your percentage win ratio would be 6/10 or 60%. If your six trades made $2,400, then your average win would be $2,400/6 = $400. If your losses were $1,200, then your average loss would be $1,200/4 = $300. Apply these results to the formula and you get; E= [1+ (400/300)] x 0.6 - 1 = 0.40 or 40%. A positive 40% expectancy means that your system will return you 40 cents per dollar over the long term.

Keep a printed record

Keeping a printed record is a great learning tool. Print out a chart and list all the reasons for the trade, including the fundamentals that sway your decisions. Mark the chart with your entry and your exit points. Make any relevant comments on the chart. File this record so you can refer to it over and over again. Note the emotional reasons for taking action. Did you panic? Were you too greedy? Were you full of anxiety? Note all these feelings on your record. It is only when you can objectify your trades that you will develop the mental control and discipline to execute according to your system instead of your habits.

Source:www.investopedia.com/articles/forex/08/successful-trader-traits.asp#ixzz4vabFlWGi

Pemilik Restoran Beri Sarapan Percuma Sejak 2015

Pemilik Restoran Beri Sarapan Percuma Sejak 2015

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HOW TO TRADE FOREX SUCCESSFULLY

Learning how to trade Forex successfully is certainly not a random endeavor, it is a structured approach based on planning, executing, reviewing, and adjusting the plan as necessary. The continuous application of this cycle allows us to have a beneficial trading mindset and behavior which leads to consistent profits, the ultimate goal of every beginning trader.

Here are three critical metrics that every trader should keep an eye on and use to assess his/her performance.

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Trades executed as planned

This is probably the single most important metric to monitor, and it’s the percentage of trades that were executed as per plan without any deviations. In order to develop this metric, every trade without exception should be reviewed and assessed whether it was as per plan or not, and if possible take a snapshot of the trade setup and save it as a picture file for later review. A professional trader is easily capable of achieving 95% or higher, and that is what every beginning trader should aim for.

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Sumber: lobakmerah.com

Forex Trading Tips

As a forex trader, you need to be able to turn your strategy into action, to execute your trading plan while managing your risk. Beyond picking individual forex trades, there are some fundamental tips that will help you to become a more confident and competent forex trader.

Stick to your plan

Your choice of forex trading strategy will depend upon your trading goals, your attitude to risk and your reading of the market. Establishing how you intend to employ your investment capital to achieve your goals will give you a trading plan, every trader’s most essential tool.

Following your trading plan is easy when your forex trades are making money, much less so when your trades are losing. But remember, not even the most successful trader has a 100% strike rate. The key to your performance over the long term is how well you manage your losses as well as your profits, and this is where your plan is vital.

Test your provider

There are many forex trading providers out there and you should be able to find one to suit your trading needs. Do you need free charts or trading signals? Are you looking for reliable execution? Is personal customer service a high priority?

Your choice of forex provider is one of your most important trading decisions, as it affects both the value of your trades and the level of support you will receive. You should make sure your provider matches up to your checklist, and be prepared to switch providers to receive the service you need.

Practice makes perfect

The best way to learn how forex trading works is by placing trades. When you’re starting, you should open a forex demo account. This will allow you to place virtual forex trades risk-free and learn by experience.

A demo account also helps you to explore the trading service offered by a forex provider before opening a live account. InterTrader offers a free Demo Account that allows you to trade a wide range of forex pairs and other markets risk-free, with a virtual cash balance of £10,000.

Choose your trading tools

There are many different trading tools available. As a new forex trader you need to work out which tools best suit your approach to trading. If you trade on the basis of macroeconomic data you’ll need one or more reliable news feeds. If you trade on the basis of financial statements you’ll need a fundamental analysis package. If you trade using technical analysis you’ll need access to historic price data and informative research.

Whatever tools you choose, over time they should become part of your daily trading routine. Planning, research and trading are all critical parts of your trading process. By establishing a routine that schedules uninterrupted time for each of these three activities you’ll ensure the basis of effective forex trading.
Source: intertrader.com

7 SEBAB KENAPA SUAMI ISTERI KENA TIDUR BERPELUKAN SETIAP HARI, INI FAKTANYA!!!!

7 SEBAB KENAPA SUAMI ISTERI KENA TIDUR BERPELUKAN SETIAP HARI, INI FAKTANYA!!!!

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FOREX RISKS

The trading of foreign exchange currencies involves risks. The evaluation of the grade or severity of risk should always be taken into account before executing a trade.

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Sumber: ceritakembor.com

HOW TO TRADE FOREX SUCCESSFULLY

Learning how to trade Forex successfully is certainly not a random endeavor, it is a structured approach based on planning, executing, reviewing, and adjusting the plan as necessary. The continuous application of this cycle allows us to have a beneficial trading mindset and behavior which leads to consistent profits, the ultimate goal of every beginning trader.

Here are three critical metrics that every trader should keep an eye on and use to assess his/her performance.

The Profit Factor

This is simply the average profits from all the winning trades divided by the average losses from all the losing trades. A “Profit Factor” higher than 1 means the account is growing, and a value of less than 1 means the trading account is shrinking. A trader should aim for a value of 1.5 or higher. The reason this metric is such a valuable one is because it can replace two other metrics, the “Reward-to-Risk Ratio” and the “Win-Loss Ratio”, as neither of them on its own can tell us if the trader is being profitable or not.

Average Pips per Day/Week/Month

This is the average number of pips gained or lost across all the trades taken. Day traders should focus on the “Average Pips per Day”, swing traders on the “Average Pips per Week”, and position traders on the “Average Pips per Month”. A good benchmark to aim for is an average of +30 pips per day for day traders, +200 pips per week for swing traders, and +1,000 pips per month for position traders. Once a trader identifies his average number of pips and builds confidence in his ability to achieve this average over and over, all he has to do is increase his position size to increase his profits.

Trades executed as planned

This is probably the single most important metric to monitor, and it’s the percentage of trades that were executed as per plan without any deviations. In order to develop this metric, every trade without exception should be reviewed and assessed whether it was as per plan or not, and if possible take a snapshot of the trade setup and save it as a picture file for later review. A professional trader is easily capable of achieving 95% or higher, and that is what every beginning trader should aim for.

Monitoring these three metrics and taking corrective actions based on their values is a crucial exercise that every trader needs to perform in order to climb the ladder of consistent profits.

FOREX RISKS

The trading of foreign exchange currencies involves risks. The evaluation of the grade or severity of risk should always be taken into account before executing a trade.

The following are the major risk factors in FX trading:

• Exchange Rate Risk
• Interest Rate Risk
• Credit Risk
• Country Risk
• Liquidity Risk
• Marginal or Leverage Risk
• Transactional Risk
• Risk of Ruin

Exchange Rate Risk

Exchange rate risk is the risk involved based on the effect of the continuous and usually volatile shift in the worldwide market supply and demand balance on an outstanding foreign exchange position. For the period the trader’s position is outstanding, the position is subject to all price changes. This risk can be quite substantial and is based on the market's perception of which way the currencies will move based on all possible factors that happen (or could happen) at any given time, anywhere in the world. Additionally, because the off-exchange trading of Forex is largely unregulated, no daily price limits are imposed as exist for regulated futures exchanges. The market moves based on fundamental and technical factors - more about this later.

Interest Rate Risk

Interest rate risk refers to the profit and loss generated by fluctuations in the forward spreads, along with forward amount mismatches and maturity gaps among transactions in the foreign exchange book. This risk is pertinent to currency swaps; forward outright, futures, and options. To minimize interest rate risk, one sets limits on the total size of mismatches. A common approach is to separate the mismatches, based on their maturity dates, into up to six months and past six months. All the transactions are entered in computerized systems in order to calculate the positions for all the dates of the delivery, gains and losses. Continuous analysis of the interest rate environment is necessary to forecast any changes that may impact on the outstanding gaps.

Credit Risk

Credit risk refers to the possibility that an outstanding currency position may not be repaid as agreed, due to a voluntary or involuntary action by a counterparty. Credit risk is usually something that is a concern of corporations and banks. For the individual trader (trading on margin), credit risk is very low as this also holds true for companies registered in and regulated by the authorities in G-7 countries. In recent years, the National Futures Association (NFA) and the Commodity Futures Trading Commission (CFTC) have asserted their jurisdiction over the FX markets in the US and continue to crack down on unregistered FX firms. Countries in Western Europe follow the guidelines of the Financial Services Authority in the UK. This authority has the strictest rules of any country in making sure that FX companies under their jurisdiction are keeping qualified customer funds secure. It is important for all individual traders to thoroughly check out companies before sending any funds for trading. It is fairly easy to check out the companies you are considering by visiting the authorities' websites: The CFTC's website is http://www.cftc.gov/, the NFA website is http://www.nfa.futures.org/, and the FSA's website is http://www.fsa.gov.uk/. Most companies are happy to answer inquiries from customers and often post notices pertaining to security of funds on their website. It should be noted, however, that minimum capital requirements for Futures Commission Merchants ("FCMs") registered with the CFTC are much less than those of banks, and under present CFTC regulations and NFA rules, protections related to the segregation of customer funds for regulated futures accounts do not extend fully to funds deposited to collateralize off-exchange currency trading. For these and other reasons, the CFTC and NFA discourage any representation that the registration status of a Futures Commission Merchant substantially reduces the risks inherent in over-the-counter Forex trading.

Dictatorship Risk

Dictatorship (sovereign) risk refers to a government's interference in the Forex marketplace. Although theoretically present in all foreign exchange instruments - currency futures are, for all practical purposes, exempt from country risk, for the reason that the major currency futures markets are located in the US.

Counter-party Default Risk

Over-the-counter ("OTC") spot and forward contracts in currencies are not traded on exchanges; rather, banks and FCM's typically act as principals in this market. Because performance of spot and forward contracts on currencies is not guaranteed by any exchange or clearing house, the client is subject to counter-party risk -- the risk that the principals with a trader, the trader's bank or FCM, or the counter-parties with which the bank or FCM trades, will be unable or will refuse to perform with respect to such contracts. Furthermore, principals in the spot and forward markets have no obligation to continue to make markets in the spot and forward contracts traded.

Country and Liquidity Risk

Although the liquidity of OTC Forex is in general much greater than that of exchange traded currency futures, periods of illiquidity nonetheless have been seen, especially outside of US and European trading hours. Additionally, several nations or groups of nations have in the past imposed trading limits or restrictions on the amount by which the price of certain Foreign Exchange rates may vary during a given time period, the volume which may be traded, or have imposed restrictions or penalties for carrying positions in certain foreign currencies over time. Such limits may prevent trades from being executed during a given trading period. Such restrictions or limits could prevent a trader from promptly liquidating unfavorable positions and, therefore could subject the trader's account to substantial losses. In addition, even in cases where Foreign Exchange prices have not become subject to governmental restrictions, the General Partner may be unable to execute trades at favorable prices if the liquidity of the market is not adequate. It is also possible for a nation or group of nations to restrict the transfer of currencies across national borders, suspend or restrict the exchange or trading of a particular currency, issue entirely new currencies to supplant old ones, order immediate settlement of a particular currency obligations, or order that trading in a particular currency be conducted for liquidation only. OTC Forex is traded on a number of non-US markets, which may be substantially more prone to periods of illiquidity than the United States markets due to a variety of factors.

Leverage Risk

Low margin deposits or trade collateral are normally required in Foreign Exchange, (just as with regulated commodity futures). These margin policies permit a high degree of leverage. Accordingly, a relatively small price movement in a contract may result in immediate and substantial losses in excess of the amount invested. For example, if at the time of purchase, 10% of the price of a contract were deposited as margin, a 10% decrease in the price of the contract would, if the contract were then closed out, result in a total loss of the margin deposit before any deduction for brokerage commissions. A decrease of more than 10% would result in a total loss of the margin deposit. Some traders may decide to commit up to 100% of their account assets for margin or collateral for Foreign Exchange trading. Traders should be aware that the aggressive use of leverage will increase losses during periods of unfavorable performance.

Transactional Risk

Errors in the communication, handling and confirmation of a trader's orders (sometimes referred to as "out trades") may result in unforeseen losses. Often, even where an out trade is substantially the fault of the dealing counter-party institution, the trader/customer's recourse may be limited in seeking compensation for resulting losses in the account.

Risk of Ruin

Even where a trader/customer's medium to longer term view of the market may be ultimately correct, the trader may not be able to financially bear short-term unrealized losses, and may close out a position at a loss simply because he or she is unable to meet a margin call or otherwise sustain such positions. Thus, even where a trader's view of the market is correct, and a currency position may ultimately turn around and become profitable had it been held, traders with insufficient capital may experience losses.

Source: tradingacademy.com

Lelaki Ini Dikatakan Jelmaan Micheal Jackson,Biar Betul Ni ??

Lelaki Ini Dikatakan Jelmaan Micheal Jackson,Biar Betul Ni ??

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Experimental Mesothelioma Treatments

In addition to more conventional therapies, researchers are constantly looking for new ways to treat mesothelioma patients. Some extremely promising emerging treatments have come out of clinical trials, in some cases extending the lives of mesothelioma patients by months or years.

Immunotherapy
Immunotherapy enhances the immune system to treat diseases. Immunotherapy is being heavily researched as a potential treatment for certain types of cancer, including mesothelioma.

Mesothelioma immunotherapy drugs are still considered an emerging treatment, used mostly in clinical trials. However, some forms of immunotherapy, such as pembrolizumab (Keytruda) and bevacizumab (Avastin) have already shown promise as effective ways to treat mesothelioma.

Immunotherapy comes in two primary forms: active and passive. Each of these forms of immunotherapy can be specific (i.e., target a particular type of cancer) or non-specific (i.e., prompts a general immune response).

Gene Therapy
Gene therapy attempts to fix a problem with the genetic structure or function of a cell. As one of the most promising emerging treatments today, gene therapy is actively being tested in clinical trials to treat mesothelioma and other types of cancer.

The concept behind cancer gene therapy is easy to grasp. Cancer is generally caused by a genetic malfunction or mutation of some kind that causes cells to multiply more rapidly than normal cells. Gene therapy works by replacing the faulty genes in these cells with one that work as they are supposed to.

Photodynamic Therapy
A treatment for cancer that has definitely shown some promise in the last several years, photodynamic therapy (PDT) uses light and drugs known as photosensitizing agents to kill cancer cells and stop cancer from spreading. A novel treatment that causes far fewer side effects than some traditional cancer therapies, photo-dynamic therapy is currently being used to treat some skin cancers, esophageal cancer, non-small cell lung cancers, and mesothelioma. While still in a somewhat experimental stage, doctors have found PDT to help alleviate symptoms and improve quality of life for those diagnosed with mesothelioma cancer.
Source: mesothelioma.com

5 Wajah Seiras Selebriti Malaysia

5 Wajah Seiras Selebriti Malaysia

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5 Tips Buying Car Insurance Online

Start The Countdown
It seems like every time you turn on the television, you encounter a commercial that asks whether you're paying too much for your car insurance. Chances are your insurer won't be champing at the bit to tell you the answer, so the burden is on you to find out. But with an Internet connection and a little planning, you can do it on your lunch hour.

Whether you're shopping for your first policy or looking for a better rate, going online is a gateway to a world of auto insurance quotes and information about the companies that issue them. As you'll see, low cost is just one factor to consider. Let's take a look at five tips to keep in mind when you go online to buy car insurance.


Searching Online Is Just One Option
While there is a seemingly endless number of companies issuing auto insurance policies these days, there are really just two ways to buy car insurance: You can purchase a policy in-person through an agent -- a licensed individual who sells policies on behalf of one or more insurance companies -- or you can buy directly from an insurer via Web site or telephone.

Buying car insurance online still accounts for a relatively small portion of total auto insurance sales, but it's increasing in popularity. According to a 2011 survey by the Internet marketing research company ComScore, just 20 percent of new auto insurance policies were purchased online, compared to 43 percent purchased from an agent. However, the number of online purchases represents an increase of 5 percent from just two years earlier, while the number of agent purchases represents a 6 percent decline. Additionally, a 2011 survey by J.D. Power and Associates showed that 54 percent of new auto insurance owners applied for a rate quote online, the first time this has happened for a majority of respondents.

Prepare Before You Search
Whether you shop for car insurance online or go one of the other routes, make sure you come prepared with all of the information you need to get an accurate quote. Take stock of your car's make, model, year, vehicle identification number (VIN), the zip code of where you park the car at night and any aftermarket safety or anti-theft accessories installed on the car. Get the license numbers of every driver to be insured under the policy, as well as the date when they were first licensed, and obtain a copy of your driving record. Get an updated credit score as well -- your credit rating can affect your auto insurance premiums, since some insurers say those with poor credit scores are more likely to file claims [source: Roberts-Grey].

There are a few steps you can take to get lower insurance premiums, as well. Tally up the number of miles you drove this year versus the previous year -- a significant decrease in the mileage you drive might help you get a lower quote. Consider completing a defensive driving course online, insuring multiple vehicles (or your home) through the same insurance company or looking for a plan with a higher deductible. You might even want to eliminate certain types of insurance not required by law in your state; you could forego collision and comprehensive coverage on very old cars, for instance.


Shop Around
You should take a look at your auto insurance policy every year to find out how much you're paying in premiums and how much coverage you're getting in return. The cost of the same policy can vary widely between companies based on factors like how much the company spends on advertising, commissions paid to the agent and the risk levels of the company's pool of insured drivers.

To start comparing quotes, try logging on to an auto insurance aggregator Web site like NetQuote.com, Insure.com or InsWeb.com, where visitors submit information about their car and driving history in exchange for an array of quotes from different insurance companies. Typically, many of the quotes come via follow-up e-mails and phone calls from insurance agents. You can also try searching Web sites for companies like Progressive and Geico, which sell insurance directly to consumers and provide quotes immediately.

Before you submit any sensitive information through a Web site, look for a security policy to ensure that any communications are reasonably protected from third parties, and set your Web browser to notify you when you leave a secure connection.


Visit Your State Insurance Department's Web Site
Auto insurance is regulated on a state-by-state basis, and your state's insurance department usually has a bunch of relevant information to your search in the consumer information section of its Web site. Search the National Association of Insurance Commissioners State Web Map to find a link to your state insurance department [source: NAIC].

The depth of information varies, but these Web sites often include profiles of the different insurance companies licensed within the state, sample price comparisons charged by competing agencies to cover common vehicles, and consumer guides to auto insurance. Many insurance departments also provide complaint indexes, which tally the number of consumer complaints upheld against a particular company versus the number of policies they have issued. This information can be valuable in determining which company to sign with.

If you're unsure if a prospective insurer is licensed within your state, ask an agent. If the company falsely claims to be licensed in your state, report them.


Don't Go By Price Alone
Just because a company offers you a cheap quote doesn't mean you should let it insure your vehicle. Take a close look at the terms of your policy to ensure it matches your last auto insurance policy, and that you're getting an equivalent amount of coverage (or at least the minimum amount required by law in your state). Examine the terms of the agreement to make sure the company don't require the use of cheaper aftermarket materials for repairs instead of the original factory parts, which can pose safety hazards.

In addition to the complaint indexes maintained by state organizations, you can refer to consumer satisfaction databases on Web sites like ConsumerReports.org and JDPower.com [source: Reed]. You should also make sure that your insurance company is financially stable before purchasing your policy. In addition to checking with your state insurance department, ratings organizations like A.M. Best and Standard and Poor's are good resources to determine a company's financial state. And look to your friends and family for recommendations, as well.
Source: http://money.howstuffworks.com

Foto Neelofa Berhijab Tetapi Nampak Rambut Cetus Kontroversi, Ini Penjelasan Neelofa!!

Foto Neelofa Berhijab Tetapi Nampak Rambut Cetus Kontroversi, Ini Penjelasan Neelofa!!

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Tips Buying Car Insurance Online

Start The Countdown
It seems like every time you turn on the television, you encounter a commercial that asks whether you're paying too much for your car insurance. Chances are your insurer won't be champing at the bit to tell you the answer, so the burden is on you to find out. But with an Internet connection and a little planning, you can do it on your lunch hour.

Whether you're shopping for your first policy or looking for a better rate, going online is a gateway to a world of auto insurance quotes and information about the companies that issue them. As you'll see, low cost is just one factor to consider. Let's take a look at five tips to keep in mind when you go online to buy car insurance.


Searching Online Is Just One Option
While there is a seemingly endless number of companies issuing auto insurance policies these days, there are really just two ways to buy car insurance: You can purchase a policy in-person through an agent -- a licensed individual who sells policies on behalf of one or more insurance companies -- or you can buy directly from an insurer via Web site or telephone.

Buying car insurance online still accounts for a relatively small portion of total auto insurance sales, but it's increasing in popularity. According to a 2011 survey by the Internet marketing research company ComScore, just 20 percent of new auto insurance policies were purchased online, compared to 43 percent purchased from an agent. However, the number of online purchases represents an increase of 5 percent from just two years earlier, while the number of agent purchases represents a 6 percent decline. Additionally, a 2011 survey by J.D. Power and Associates showed that 54 percent of new auto insurance owners applied for a rate quote online, the first time this has happened for a majority of respondents.

Prepare Before You Search
Whether you shop for car insurance online or go one of the other routes, make sure you come prepared with all of the information you need to get an accurate quote. Take stock of your car's make, model, year, vehicle identification number (VIN), the zip code of where you park the car at night and any aftermarket safety or anti-theft accessories installed on the car. Get the license numbers of every driver to be insured under the policy, as well as the date when they were first licensed, and obtain a copy of your driving record. Get an updated credit score as well -- your credit rating can affect your auto insurance premiums, since some insurers say those with poor credit scores are more likely to file claims [source: Roberts-Grey].

There are a few steps you can take to get lower insurance premiums, as well. Tally up the number of miles you drove this year versus the previous year -- a significant decrease in the mileage you drive might help you get a lower quote. Consider completing a defensive driving course online, insuring multiple vehicles (or your home) through the same insurance company or looking for a plan with a higher deductible. You might even want to eliminate certain types of insurance not required by law in your state; you could forego collision and comprehensive coverage on very old cars, for instance.


Shop Around
You should take a look at your auto insurance policy every year to find out how much you're paying in premiums and how much coverage you're getting in return. The cost of the same policy can vary widely between companies based on factors like how much the company spends on advertising, commissions paid to the agent and the risk levels of the company's pool of insured drivers.

To start comparing quotes, try logging on to an auto insurance aggregator Web site like NetQuote.com, Insure.com or InsWeb.com, where visitors submit information about their car and driving history in exchange for an array of quotes from different insurance companies. Typically, many of the quotes come via follow-up e-mails and phone calls from insurance agents. You can also try searching Web sites for companies like Progressive and Geico, which sell insurance directly to consumers and provide quotes immediately.

Before you submit any sensitive information through a Web site, look for a security policy to ensure that any communications are reasonably protected from third parties, and set your Web browser to notify you when you leave a secure connection.


Visit Your State Insurance Department's Web Site
Auto insurance is regulated on a state-by-state basis, and your state's insurance department usually has a bunch of relevant information to your search in the consumer information section of its Web site. Search the National Association of Insurance Commissioners State Web Map to find a link to your state insurance department [source: NAIC].

The depth of information varies, but these Web sites often include profiles of the different insurance companies licensed within the state, sample price comparisons charged by competing agencies to cover common vehicles, and consumer guides to auto insurance. Many insurance departments also provide complaint indexes, which tally the number of consumer complaints upheld against a particular company versus the number of policies they have issued. This information can be valuable in determining which company to sign with.

If you're unsure if a prospective insurer is licensed within your state, ask an agent. If the company falsely claims to be licensed in your state, report them.


Don't Go By Price Alone
Just because a company offers you a cheap quote doesn't mean you should let it insure your vehicle. Take a close look at the terms of your policy to ensure it matches your last auto insurance policy, and that you're getting an equivalent amount of coverage (or at least the minimum amount required by law in your state). Examine the terms of the agreement to make sure the company don't require the use of cheaper aftermarket materials for repairs instead of the original factory parts, which can pose safety hazards.

In addition to the complaint indexes maintained by state organizations, you can refer to consumer satisfaction databases on Web sites like ConsumerReports.org and JDPower.com [source: Reed]. You should also make sure that your insurance company is financially stable before purchasing your policy. In addition to checking with your state insurance department, ratings organizations like A.M. Best and Standard and Poor's are good resources to determine a company's financial state. And look to your friends and family for recommendations, as well.
Source: http://money.howstuffworks.com

9 Artis Malaysia Paling Cantik 2017

9 Artis Malaysia Paling Cantik 2017

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How to trade in Forex

Below are some tips that can help you become a successful trader in the Forex market. These tips will help you understand how to trade on Forex, especially if you are an absolute beginner.

Invest what you can bear

One of the best tips for any new trader is to start with small amounts and only increase the capacity of your account with your profit - not by further deposits. You don't have to invest a large amount to earn profit - you can maximise your investment however small it is. By starting out small, you cut down the risk of heavy losses when large volumes of cash are involved. This is an essential part in understanding how Forex works and how to trade Forex online.

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Sumber : kamiviral.com

Forex Trading Tips: Tricks of the Successful Forex Trader

For all of its numbers, charts and ratios, trading is more art than science. Just as in artistic endeavors, there is talent involved, but talent will only take you so far. The best traders hone their skills through practice and discipline. They perform self analysis to see what drives their trades and learn how to keep fear and greed out of the equation. In this article we'll look at nine steps a novice trader can use to perfect his or her craft; for the experts out there, you might just find some tips that will help you make smarter, more profitable trades too.

Define your goals and choose a compatible trading style

Before you set out on any journey, it is imperative that you have some idea of where your destination is and how you will get there. Consequently, it is imperative that you have clear goals in mind as to what you would like to achieve; you then have to be sure that your trading method is capable of achieving these goals. Each type of trading style requires a different approach and each style has a different risk profile, which requires a different attitude and approach to trade successfully. For example, if you cannot stomach going to sleep with an open position in the market then you might consider day trading. On the other hand, if you have funds that you think will benefit from the appreciation of a trade over a period of some months, then a position trader is what you want to consider becoming. Just be sure that your personality fits the style of trading you undertake. A personality mismatch will lead to stress and certain losses.

Choose a broker who offers an appropriate trading platform

It is important to choose a broker who offers a trading platform that will allow you to do the analysis you require. Choosing a reputable broker is of paramount importance and spending time researching the differences between brokers will be very helpful. You must know each broker's policies and how he or she goes about making a market. For example, trading in the over-the-counter market or spot market is different from trading the exchange-driven markets. In choosing a broker, it is important to know your broker's policies. Also make sure that your broker's trading platform is suitable for the analysis you want to do. For example, if you like to trade off of Fibonacci numbers, be sure the broker's platform can draw Fibonacci lines. A good broker with a poor platform, or a good platform with a poor broker, can be a problem. Make sure you get the best of both.

Calculate your expectancy

Expectancy is the formula you use to determine how reliable your system is. You should go back in time and measure all your trades that were winners versus losers. Then determine how profitable your winning trades were versus how much your losing trades lost.

Take a look at your last 10 trades. If you haven't made actual trades yet, go back on your chart to where your system would have indicated that you should enter and exit a trade. Determine if you would have made a profit or a loss. Write these results down. Total all your winning trades and divide the answer by the number of winning trades you made. Here is the formula:

E= [1+ (W/L)] x P – 1
where:

W = Average Winning Trade
L = Average Losing Trade
P = Percentage Win Ratio
Example:

If you made 10 trades and six of them were winning trades and four were losing trades, your percentage win ratio would be 6/10 or 60%. If your six trades made $2,400, then your average win would be $2,400/6 = $400. If your losses were $1,200, then your average loss would be $1,200/4 = $300. Apply these results to the formula and you get; E= [1+ (400/300)] x 0.6 - 1 = 0.40 or 40%. A positive 40% expectancy means that your system will return you 40 cents per dollar over the long term.

Source:www.investopedia.com/articles/forex/08/successful-trader-traits.asp#ixzz4vabFlWGi