Iraqi dinar is creating a new sensation in the business world. With a promising future of Iraqi economy being touted by the economists and catching attention of the investors, the demand for Iraqi currency is on steep rise. Investing in 10000 dinar is believed to bring an outstanding return as soon as the ravaged economy recuperates and registers an impressive growth rate.
The potential investors must keep an unblinking watch on the current exchange rate to estimate the return on their investment. The official currency of Iraq came into the market only after great gulf conflict. Now, how can buying currency of a war ravaged country benefit you? 10000 dinar is at all time low in value but things will swing to a favorable change once the devastated economy gradually revives. So, your present investment will get translated into excessive profit in future.
Iraq has the second largest crude oil reserve in the world. The top-most position is occupied by Saudi Arabia. Natural resource of Iraq is a lure to the capitalist economies and international oil companies. Some foreign companies have already set up their establishments on the Iraqi shore. With advanced technology implemented by these companies, the oil reserve has gone up by a remarkable margin. Expectantly, everybody will want to capitalize this situation. Therefore, there is a greater possibility that Iraq will come out of the perilous and parlous situation in near future. Once the government takes initiative to implement the measures for development, 10000 dinar will gradually rise in value. Now you have understood the importance of investing into Iraqi currency dealing.
10000 dinar possesses the most advanced anti-counterfeit features. Watermarks, security thread, optical variable ink, metallic ink etc. are the latest techniques to frustrate the effort of the counterfeiters. All these modern techniques are included in the newly introduced 10000 dinar. Exchange rate of currency is not a static figure but a dynamic one. In accordance with a recent report regarding the Iraqi budget for the financial year 2011, the exchange rate is expected to slide up. This is definitely good news for the investors. Every investment is attached with some risks. Risk aversion is not possible though you can keep it at minimum level. This can be ensured if you are guided by an expert and experienced Iraqi dinar dealer.
Dinar scams are on rise due to possibility of surging profit from such investment. So, you must do extensive research on the dealer before hiring his/her service. Here are some simple tips just for you to avert the scam problems during online purchase:
Invest into the new Iraqi currency instead of old one. The 10000 dinar includes some newest features regarding security. If you are dealing with an honest dealer, the person will take the responsibility to make you understand each and every feature.
The dealer's name must be registered with USA Treasury Department and the Better Business Bureau. Only the registered dealers are identified as the certified ones. They are the trusted persons to seek advice while purchasing 10000 dinar.
For a considerable period of time, the country has been a safe heaven for the smugglers, robberies, drug peddlers and even terrorists. So, make sure not to invest in illegally transported Iraqi dinar because the smuggled 10000 dinar is easily available in the international market.
Do not rely on the dealers who try to convince you that your investment will make a tidy fortune in the shortest time. Daydreaming must not be your cup of tea while deciding on the 10000 dinar investment. You will surely earn profit but it will take years instead of a very short span of time.

The issue of how to invest, where to invest, when to invest and how much to invest has been bordering many investors including analysts for ages. Having $10,000 or more to invest in 2011 and beyond profitably is highly achievable and simple as well. In order to make this a reality taking into consideration the economic and political environment across the globe, planning is key.
The first approach for success is to know where to invest. To make this appropriate, diversification should be the pillar. This is because it is not advisable to put all your $10,000 and more into only one stream of investment. Spreading your $10,000 or more among different assets such as money market instruments, bonds, stocks, and real estate is ideal. It is highly impossible for all of these assets to lose excessive value simultaneously.
Money market instruments such as fixed deposits and treasury bills are less risky, hence lower returns comparatively. They provide the investor with ready access. Bonds have higher interest rate but highly affected by interest rate fluctuations. When interest rate goes up, bond prices incidentally falls. It is there reasonable to invest in medium term bonds to lower the effects of interest rate movements in the near future. Equity funds are very volatile but can give an investor who has $10,000 or more to invest an outstanding return when companies are carefully selected. Here, companies with international presence are recommended so as to reduce systematic risk. A well diversified portfolio that includes real estate equities is also encouraged.
The second approach is to know how much or how to invest your $10,000 or more profitably. This decision is very much dependent on the risk tolerance level of the investors. Some investors are risk loving, neutral and averse. So your attitude towards risk should be the motivating factor to help you in making the right decision. If you consider yourself a risk loving or aggressive investor then invest about 60% of your funds in the stock funds including other volatile funds and 40% in the money market and bond funds. However, if you are risk averse, then invest 40% in more risky and volatile funds and 60% in the less risky or less volatile funds.
In 2011 and beyond, knowing where to invest and how to invest a $10,000 or more especially in a well diversified portfolio is the gate way to financial freedom. The years ahead looks brighter amidst the socio-economic challenges but can only be rewarding for investors and analysts who can plan, and adapt to changes and approaches as described above.

Investing money in 2011 and 2012 puts the investor between a rock and a hard place as investing has become more difficult. Investing in stocks has gained favor vs. bonds in recent months. What's going on, how should you invest, and why do I say investing has become difficult?
The stock market just about doubled in value between early 2009 and early 2011, and investing money in stocks (equities) and selling bonds appeared to be the new trend in investing for 2011. Does this mean that investors are confident that the U.S. economy is well and getting better? Not necessarily. More than likely it means that investing in equities appears to be the lesser of two evils. Bonds and bond funds have a cloud hanging over their head. Interest rates could start rising significantly in 2011 or in 2012 and this spells trouble for anyone investing in bonds.
There are very few statements you can make in the world of investing money that are universally accepted as fact. One of them is this: when interest rates go up, bond prices (values) go down. In simple terms, the fixed interest payments that these securities pay become less attractive to investors as rates go up. So, many investors will sell their bonds... sending prices down... and put their money someplace else. Since the government had been holding interest rates down for months to stimulate the economy, rates are likely to go up in 2011 or 2012, if the government stops this policy as planned. Investing money in bonds will then be a loosing proposition if rates rise significantly. That's a fact and about as black and white as investing gets.
Stock investing is more of a gray area. High and rising interest rates can slash corporate profits and this tends to send stock prices down. But in early 2011 rates might have been rising, but they certainly were not high by historical standards. Corporate profits were strong and investors dumped bonds and switched to stocks. The other major alternative for investing money was safe investments like one-year CDs and money market funds. With both of them paying less than 1% a year, there was little reason for the average investor to invest in either. The only real advantage in safe investments at these low interest rates is safety and liquidity.
In other words, none of the three basic investment areas where most people invest look very attractive. That's what makes investing money in 2011 and going forward difficult. If interest rates continue to climb bonds are guaranteed losers and stocks will eventually get hit. Safe investments might not look attractive when they start paying at 1% or 2%, but they will at 3%, and that's where folks will put there money.
So, how should most people invest money for 2011-2012? Cut your exposure to bonds and avoid long-term bonds and funds that invest in them. Long-term bonds and funds will get hurt the most if rates rise significantly. Go with intermediate or shorter term bond funds. Move some money into money market funds. They are safe and the interest they earn will automatically go up with rising interest rates. Investing money in stocks or equity funds should remain a part of your overall strategy, but avoid aggressive growth issues or growth funds that don't pay significant dividends. Look for dividend yields of at least 2% in high quality stocks or equity funds. Growth stocks are often hardest hit when corporate profits fall.
Diversification and balance are your keys to success when investing money in 2011-2012. There are times you can invest aggressively, and there are times when a more cautious approach is called for. With interest rate hikes looming over the markets, this is not the time to throw caution to the wind.

There is a method that will give you the best return on investment but it requires a bit of homework to discover. It may only take you five minutes or it may take you a week, but there is one particular method that will give you the best return on your investments. The method you like will be specific to you.
In previous articles I have written about fundamental analysis and technical analysis with and without charts. One of these methods will form the foundation for how you develop your best method of investment to get the best returns. In other words, there is not one do-it-all for everyone.
The keys to finding your best return method are to first write down:
• Time - how much time are you willing to spend each day or week on making your investment decisions.
• Are you interested in long-term (many years) to cash in your profits or do you need to make money quickly or rapidly or in substantial amounts?
• Are you willing to take risks or do you want to play it safe?
Mutual funds, stocks and ETFs can work for almost all investors. The difference comes in how you screen them to meet your objectives based on how you answered those three key questions. The answers to some questions may not work with the answer to another question. For example, if you only have an hour of so a week, rapid stock trading isn't going to work as that requires at least 30 minutes a day. If you are willing to let your profits accumulate over long periods of time, even years, then you may only need to trade once or twice a month at the most.
Long term investing can be accomplished with either technical or fundamental investing. Short and medium term trading (where you own a stock or ETF for days, weeks or months instead of many, many years) is best accomplished with technical analysis.
So, what is the best method for you?
Only want to spend an hour or two a month on medium to longer term investments?
• Technical analysis
• Stocks, ETFs, funds
Can spend many hours at a time but only a few times a year on long term investments?
• Fundamental or technical analysis
• Stocks, ETFs, funds
Can spend an hour a week on medium or long term investments?
• Technical analysis
• Stocks, ETFs, funds
You have an hour or more most days for short, medium or long term investments?
• Technical analysis
• Stocks, ETFs, some funds
The key to these methods is using a methodology that fits your trading pattern. Software programs are designed for investors who trade during the day, or investors who trade based on the end-of-day pricing either daily, weekly, monthly or even less frequently. Most chart programs can be used for any of these technical investment methods but they tend to be aimed at day or frequent traders.
Investment programs can be online, from an online broker or one you purchase separately. Some are easy to learn, others may take weeks or months. Some offer free, quick customer service, others charge after a certain time period. Some can be customized to work with your answers to the three key questions, your method and objectives; others have a particular set method that must be compatible with your objectives.

There are more cases of investors losing their shirts buying these kinds of stocks than there are success stories of huge winners. Since few young growth companies are profitable, what should you be on the lookout for? Gross margins and cash flow are two vital metrics to follow when analyzing early-stage companies.

Sizzle, but no Steak
Younger companies must spend heavily to expand their nascent businesses and gain a foothold in their markets. This is expected and even necessary. The logical result of this is for the company to show losses in the first few years of its lifetime. That being said, you should not give a company a free license to bleed red ink 'til kingdom come. It is crucial to determine whether or not the company is on the path to profitability.

Profit Margins
Early-stage companies exhibit explosive revenue growth, but how efficient is the management team in turning those sales into profits? Calculating a company's profit margin is an excellent way to examine how a company generates and retains money.
Gross margin is the best tool to analyze a young company's potential for profitability. This tells you the profit made on the cost of sales. Basically, it is how efficiently management uses labor and supplies in the production process. It can be calculated using the following equation:
Gross Profit Margin = (Sales - Cost of Goods Sold)/Sales
For example, assume that a company has $1 million in sales and the cost of its labor and materials amounts to $600,000. Its gross margin rate would be 40% ($1,000,000 - $600,000/$1,000,000). The static number (40%) is important, but less so than the trend. Be on the lookout for increasing gross profit margins, as this could be a telltale sign of a company on the path to profitability.
Another reason increasing gross margins are important has to do with research and development. Early-stage companies, especially in the biotech and technology sectors, need money to invest in R&D, which is the lifeblood of a young company. Firms with increasing gross margins will have more cash to invest in the future of their businesses.

Feel the Flow
Sometimes, young companies do not survive long enough to realize the glory of their dreams because they don't have adequate cash on hand to fund operations. If a company burns through its cash too fast, it runs the risk of going out of business. So what should you look for?
Operating cash flow is simply the cash generated by a business while running its "normal" operations. Think of a company's normal operations as its core business. For example, Dell's normal operations are selling personal computers. Cash flow is absolutely vital because it allows a company to pay its bills on a daily basis. Operating cash flow can be found on the company's statement of cash flows.Look for young companies that are cash flow positive, even if they are losing money overall. Positive and growing operating cash flows will ensure a company's survival. After all, not many bankrupt companies can grow to be the next Microsoft.

How do you make your Investment decisions? Well, this article is not about the technical terms that are being used in accordance with the term investment. Rather, it concentrates on the social part of every investment. Interesting? Read on!
While making some investment decisions, we like to behave in certain ways. Besides making the basic research before investing, we like to generate references for the same. This article is all about those social aspects of investment and focuses and how it can help us to make some better investment decisions.
Nowadays, almost everybody owns stocks (including you of course), in different forms like pension plans, mutual funds, stock ownership funds, brokerage accounts etc. Everybody likes to talk about their investments in a social format. Whether it is in the workplace, online forums or even on a phone chat, people like to discuss it. Especially when you a newbie and out in the market to invest.
Earlier, investment decisions were made according to the advice of the full-service brokers. Now, it has been totally replaced by many other options. You can easily get some useful advices from your favorite financial website/s. Numbers of people are discussing about the investment online. Experts are continuously giving advices on various investment opportunities. Here pops up the question - why should we listen to those people? The answer is quite simple- Investment is not an easy task and expert plus reference tips really help. Even the analysts use the price ranges for their expectations, not the price. Then how the common people can make some decisions themselves?
This is why the concept of socialization is valid in investment. Comments of analysts, newsletter, and news channels are thus helping the common investors to make some really good decisions. This has actually created a social pressure to move towards a particular direction. We can't ignore the voice of those experts and act according to their suggestions.
It all creates a mentality to move with the crowd. There are both pros and cons of doing this, but, in fact, we can't avoid this; it's in our psychology to go with the herd. We act in such a way because we don't want to be left behind. This is the reason why we continuously check the news updates, search online if there is any change in stock market and this is one of the reasons why we are desperate to get the fastest connection.
It is a common belief of the investors that moving slowly in investment is definitely a call to death. The socialization of investment is therefore playing an important role here. If you are not getting the news fast, there is no need to worry; your friend must have got it.
The investment clubs are also a result of socialization of investment. In these investment clubs, groups of people come together, pool their money and invest in the stocks. Investment clubs may consist of co-workers, friends or even family members. These clubs create an environment for learning and in the same time get some good returns on their investment. It helps in making better group decisions.
This is how we react socially while some investment decisions are being made. These things are important to all of us, because if we know how we react in a particular situation, then we get the chance to avoid the negative ones while making the next decision.

It takes a little bit of awareness to invest and prosper. According to research conducted by experts, it is due to lack of awareness among common people that investment activity is so low. However, few people would mind a little profit, so investment is a kind of activity, which anyone with a tiny bit of desire and devotion can try his/her hand in. There are two reasons why we cannot make up our minds and go for it: lack of awareness and overloaded work schedules. To help you get through, we recommend that you consult a financial planner and a little written material on the best investments for 2011 for you to go through.
What Are the Best Investment Options for 2011
Investing in Gold
Gold investments are still the safest of all existing investment alternatives today's market can offer. The times of gold purchased in shops and stashed in the remotest corner of your home are long gone. With electronic payment systems readily available, you can do the trick without leaving your home. You can buy gold when gold prices lower, but you can just as well profit when they go up. It should be noted that gold prices tend to grow during feasts and special events, so you can take advantage of these moments.
Investing in Commodities
These have been the best investments for 2010 and are expected to be for 2011. This market is less predictable than gold market, because metal prices depend on the situation in the world market, which is in no way stable. Therefore, if you have decided to go this way, a piece of advice from an experienced and reputable broker is a good option. Go through the best investment firms you know who you think can shed some light on the situation.
Investment in Mutual Funds
These are among the best investments for 2011, since this option appears to be a way around the risks brought on by direct stock market investments. You get a chance to invest in both highly and lowly capitalized companies, so you can even out the risk. This strategy requires patience and strategic thinking, since it is the global economy that defiles the degree of risk and the tactics. Actually, what investors get from it is reputation and portfolio.
Investing in Fixed Deposits
This is the best investments for young people who plan and save for years to come. Banks attract customers by affordable interest rate levels and fixed percentage returns, which are much less volatile than those offered by other best long term investments.
Investing in Real Estate Property
It is not unlikely that real estate investments are the best investments for 2011. All you need is a little knack for negotiation and distinguishing between different types of real estate property. One more thing you need is a little patience, because, like any other kind of long-term investment, this one does not feed back immediately. Most probably, the best thing to consider is investing in rapidly growing and evolving towns and cities.

I am not a lawyer or financial adviser, I am a judgment referral expert (Judgment Broker). As with paintings, judgments can be bought and sold. Just like paintings, you can buy junk or buy good investments.
Unlike a painting, you do not buy a judgment for it's looks, just to hang on a wall. Anyone who buys one should plan on either enforcing it, having some entity enforce it, or to sell it later, hopefully for a profit.
There are at least four good reasons to buy judgments:
1) Judgments have state-mandated interest rates. For example, in California, the interest rate is currently 10% simple interest per year. Very few investments can match this interest rate.
2) They can be renewed for a long time.
3) They can be purchased at a huge discount.
4) Once a judgment is purchased, liens can be placed on real property and sometimes the personal property of the judgment debtor.
There are at least four reasons not to buy judgments:
1) They are not cash, and are not fungible. You cannot bring a judgment to a bank and get any cash for it, or use one as collateral to get a loan.
2) They are risky. Everything depends on the health and finances of the judgment debtor. If the debtor dies, moves out of the country, becomes disabled or sick, or successfully files for bankruptcy protection, the value of the judgment can fall to zero.
3) They cost money to recover or sell. If you have a judgment and want it enforced, the average cost is 50%. Worse yet, there is no guarantee, as repayment depends on the judgment debtor. If you sell your judgment for cash, you may get more or less than you paid for it.
4) Judgment liens may not pay off on "underwater" property (where there is no equity). Judgment liens can be stripped off by a bankruptcy court, or have very little effect in places like Florida.
Should you buy a judgment as an investment? The answer depends on the details of the debtor, and the price you must pay to buy ownership of the judgment.
A judgment broker, who knows about thousands of judgment sales, can give you an estimate of a judgment's worth. However, only the market and the details about the debtor, determine the actual sale price of any judgment.
As an investor, you should always buy judgments outright, where you own all rights, title, and interests in the judgments. Never share the ownership of a judgment, unless you seek the advice of an attorney, and they have verified any shared ownership proposals.
Unlike cash or gold, a judgment is a piece of paper that only has value to the current owner. A stolen judgment is useless. Also, if you lose a judgment, the court (for a fee) can easily replace it.
If you can afford to take some risk in your portfolio, and you can find a bargain where the risks are moderate, judgments may be no more risky that stocks. If the economy bounces back, they might become the best investments around.

Safe conservative investing is possible. Yes, investing in the markets can be risky but you can minimize the risk dramatically. And you need not be a retiree to want to invest conservatively.
Even if you are not a "conservative" investor you may still want to invest a portion of your portfolio conservatively to help balance or diversify your portfolio. This can be accomplished as quickly as you decide how much of your investment portfolio you want to be "conservatively" safe.
Safe, conservative investing may not make you super rich overnight, but safe investing will preserve your cash and grow your portfolio. And a conservative portfolio started when someone is in their 20's, 30's or even 40's can grow into a very large sum, creating substantial wealth and security.
The steps to a conservative portfolio are straightforward:
• How much of your cash should be considered safe & conservative?
• How will your investments be made?
o By yourself
o By using an Investment Advisor
o By following an investment newsletter
If you decide to use an Investment Advisor or Financial Planner, I suggest:
• Interview three or four to see if their investment philosophy meshes with yours and if your personalities are compatible.
• Discuss fees and commissions.
• Discuss goals and objectives
• Understand that most advisors will not accept clients with less than $100,000 - $250,000 and some want you to have a much larger portfolio.
If you decide to follow an investment newsletter, I suggest:
• Research newsletters; don't just go with the offers that drop into your mailbox.
• Examine their track records.
• Do they offer timely advice when there are sharp market movements?
• Can you use the newsletter for all types of conservative investments (stocks, ETFs and mutual funds)?
If you decide to manage your own investments, I suggest:
• Research and pick a software program that you can customize to work your way.
• Decide if you need current income from your investments or if the income will be automatically re-invested to help your portfolio grow further.
• Choose or assort your investment positions from:
o Dividend producing stocks, ETFs or funds
o Short to long-term bonds
o Stocks, ETFs or funds with minimal risk and long-term growth potential
• Be willing to adjust the positions in your portfolio on an occasional time frame, but to take a 30 minute look every week or every few weeks.
Safe, conservative investment requires a bit of discipline. You have to remember that you are investing for the long term and that a one-day drop in the markets is not reason to panic and sell, in contrast to a sustaining market decline which could be reason to re-examine your positions. But if your positions are all producing strong income and are the type to come back after a decline, then decide carefully whether or not to sell. When you do sell in a market downturn, a conservative attitude would move either to cash or into more bond positions.
The other discipline is to not allow yourself to be swayed into risky or aggressive investments. This may seem logical, but human, emotional beings that we are, we are all susceptible. Remember a safe, conservative portfolio or sub-portfolio of all your investments, may be part of the answer to securing your money for the future.

For those willing to take the certain amounts of risk involved in the trading market, the concept of Contract for Difference Trading will be an interesting one. CFD as it is popularly know is gradually being considered one of the safest forms of trading currently available. In fact it is a quite a reliable source in terms of investment. Here is how CFDs can be beneficial.
The first advantage you get in CFDs is that it allows you, as a trader to go long or short. This means that you can choose to go in for shorter time frames for trading or longer ones. Either ways, growth will remain on a steady uphill. When you are trading with CFD, it will be possible for you to be more profitable even if you have a smaller float. In order to maximize your profits however, you will need to know how CFDs work inside out and have an efficient system in place.
Another benefit of CFD trading is that you will be given a CFD Day Trading option. This will ensure that you do not need to foot the costs of overnight interest. The flexibility that CFD can offer to its investors makes it possible for you to place all your trades, irrespective of the time of day. Also the lack of an expiry date makes it all the more beneficial. When you trade as a CFD trade you do not have to wait for an execution. While in regular share trading you need to wait for an executive in CFD its almost instantaneous.
CFD trading does not stop at just one financial instrument. With these, you can trade across the entire spectrum of the market. All this can be done having just one CFD trading account for all markets. In CFD, the income is instant. This means that as long as you know your markets well, even the smallest of them can give you instant returns. What you do have to keep in mind is that when you need to purchase share deals for the short term advantages and hang onto them for a while. In CFD you can also make a profit when the market grows as well as when the prices begin decline.
There is a steady demand for this form of trading simply because it brings in instantaneous results. However, even here there is a need to be thorough about the processes involved or else you are not likely to make the most of it.

If you are an average investor and want to invest money in an alternative investment like gold, silver or real estate don't invest until you know the best investment form to invest in. Where you invest is crucial in 2011, 2012 and beyond because these alternative investments have become volatile. If the markets go against you you'll want to be able to liquidate your investment quickly and easily.
A few years ago investing money in real estate, precious metals or other commodities was out of the question for most folks. These are called alternative investments, and there were two roadblocks if the average person wanted to invest money there. First, it was complicated and risky to play the commodities markets (and still is). Second, liquidity can be a major issue if you take ownership in the physical form. Have you ever tried to sell a property or silver coins in a hurry? Simply put, it can't be done at a fair price. That's called poor liquidity.
In 2011, 2012 and beyond you can invest money in these areas with excellent liquidity and simplicity. Your best investment alternative: exchange traded funds (ETFs). Let me use silver in 2011 as an example. If you held silver coins (rounds) going into 2009 or 2010, you watched prices soar through early 2011. It was probably the best investment around until May of 2011. As silver approached $50 an ounce it got hit hard and the price fell fast. If you wanted to take profits (liquidate) on your silver coins there was no quick and easy way to do it, so you probably did nothing.
Nobody knows where to invest money at all times to earn the best returns in terms of precious metals vs. stocks and bonds vs. real estate. But there is a best way for average investors to go about investing money in all of the above. In our silver example, an exchange traded fund with stock symbol (SLV) was probably your best investment. It is a fund that tracks the price of silver and trades as a stock. If you want to buy or sell you can do it any time (at market price) the stock market is open... on the internet... for a commission of about $10. That's called liquidity, and all you need is an account with a major discount broker to play the game.
With exchange traded funds you can trade the markets, or you can invest money for the long term by putting together your own best investment portfolio that is both diversified and balanced. These funds offer average investors a broad spectrum of choices for 2011, 2012 and beyond. You are missing out on opportunity if you are only investing money in stock funds and bond funds. Put some alternative investments in your portfolio as well. The answer to where to invest in them: exchange traded funds.

Online trading from a person's home can be an enjoyable and lucrative opportunity. More and more people who used to only trade the traditional way offline are now becoming virtual traders because of some proven advantages.
Be Your Own Boss
In any economy, many people would love to be their own boss but they don't know how to go about it or what type of business to start. But by trading online at home, even a newcomer to the trading markets can set up his own office and workspace and focus all his energies and attention on trying to earn a substantial living with his trades. It's also a convenient way to earn income as well. This self-employment aspect is extremely satisfying to a large group of people. And if a person already has significant experience with trading, he can still attempt to go at it alone at home and be successful like so many before him have.
Lower Costs Per Trade
Online trades from the privacy of a person's home invariably costs less per trade than traditional trading methods. It can be a highly profitable work at home career for the intelligent investor who knows the importance of conserving all possible costs associated with each trade. Trading at home allows people to coordinate their trades with an online brokerage firm, and the commission's savings simply can't be surpassed.
Better Technology
Trading at home offers the benefits of utilizing state-of-the-art software and research tools to help traders take better advantage of current and forthcoming trends and substantial profit opportunities. This software technology is intricately designed yet truly easy and straightforward to use. There's no question it greatly benefits any online trader who's handling his trades alone from home. He will definitely feel a greater sense of security and trust when using this technology during each trading session. His online trading confidence levels will also be much improved knowing he has the best possible tools at his disposal whenever he feels the need to use them.
Why Join Trading Education?
Studying at an online trading academy is one of the wisest steps to take to expand a trader's knowledge base. In a rather short span of time, he can learn all he needs to know about Forex trading, stock and options trading, plus any other areas of trading knowledge that he may have felt deficient in before enrolling in the trading academy. Highly experienced academicians and veteran traders design and teach the courses offered at the academy. The cost of completing the training requirements is quite reasonable as well. Without the advanced knowledge base offered at an academy, an at home trader can be at a distinct disadvantage from other online traders who have passed the academic disciplines involved in the study modules.

Emerging market investments offer potential for higher returns while being highly volatile. Investors therefore include emerging markets ETFs in their ETF portfolio. A popular emerging market ETF is iShares MSCI Emerging Markets Index Fund (EEM).
Regional emerging markets ETFs like iShares MSCI Eastern Europe Index Fund (ESR) and iShares S&P Latin America 40 Index Fund (ILF) offer exposure to different geographic segments.
Now a new ETF has become available for investment specifically in Southeast Asia... the Global X FTSE ASEAN 40 ETF (ASEA). The ETF seeks to track the price and yield performance of stocks included in the FTSE ASEAN 40 Index.

ASEAN
In 1967 Indonesia, Malaysia, the Philippines, Singapore and Thailand formed an economic bloc called the Association of Southeast Asian Nations (ASEAN) to promote economic growth through free trade amongst those countries. Since then, ASEAN has expanded and currently includes Brunei, Cambodia, Laos, Myanmarand Vietnam.

Benefits & Risks of ASEAN ETF
The Global X ASEAN ETF invests in the 40 largest companies in the five founding member nations of ASEAN. The ETF currently has the following weightings: Singapore 41%, Malaysia 33%, Indonesia 15%, Thailand 11%, and the Philippines 1%.
Southeast Asia is one of the fastest growing regions in the global economy. Singaporeis considered a developed market. The economies of Indonesia, Malaysia, the Philippines and Thailand are expanding rapidly thanks to their economic liberalization policies promoting foreign direct investments, availability of skilled labor at low wages and bilateral trade with China. A fast growing affluent middle class drives up demand for a multitude of consumer goods and services.
Over 40% of Global X ASEAN ETF's assets are invested in Singapore, posing country concentration risk. Another risk is the dependence of ASEAN countries on China. Like other emerging markets ETFs, the ASEAN ETF carries risks associated with foreign currency, higher inflation and nationalization of companies the ETF invests in.

Investment Strategy
Investors can use a core and satellite strategy to build an emerging markets ETF portfolio. They can consider using the Vanguard ETF (VWO) for the core portion of the ETF portfolio. The Vanguard ETFs as well as sector and industry group index funds are designed to track a target index. VWO tracks the Morgan Stanley Capital International's (MSCI) Emerging Markets Index.
With only 7% of its assets invested in the emerging markets of ASEAN, the Vanguard ETF offers only a limited exposure to ASEAN. Investors can use Global X ASEAN ETF as the satellite portion of their ETF portfolio.

Country Specific ETFs
Investors have the option of investing in country specific ETFs in ASEAN.They are iShares MSCI Indonesia Investable Market Index Fund (EIDO), iShares MSCI Malaysia Index Fund (EWM), iShares MSCI Philippines Investable Market Index Fund, (EPHE), iShares MSCI Singapore Index Fund (EWS), and iShares MSCI Thailand Investable Market Index Fund (THD).

St. Kitts and Nevis is one of the few places in the world to offer a government run Citizenship by Investment Program. This program ultimately grants citizenship to those who have made a significant investment in the country, namely in real estate. The Citizenship and Passport Program in St. Kitts and Nevis was established in 1984.
How does Citizenship by Investment Work?
In St. Kitts and Nevis, a significant financial investment must be made in real estate. Once this and other requirements are met, the government will grant the investor a Government Certificate of Registration as a Citizen as well as a passport. Once this process is completed, all paperwork is exactly as that of all other citizens. Investors can then choose to acquire a driver's license if they would like to drive.
The Requirements
There is first a registration fee of $35,000 for the applicant. Additional family (dependants) must be registered as well for an additional fee of $15,000 per person. A minimal real estate investment of $250,000 is required in order to gain the status of citizen. You are not required to pay the fees until your application for citizenship has been approved by the government. The real estate purchase is required to be completed once you have obtained the appropriate documents.
During the application process, you will be asked for identification. This will include a birth certificate for the applicant, and birth certificates and/or marriage certificates for the spouse and children (or in some cases grandchildren). Applicants over the age of 12 must complete an HIV exam and everyone should submit 2 passport sized photos of themselves.
Why Invest in St. Kitts and Nevis?
The landscape alone is gorgeous enough to make anyone want to stay there for as long as possible. Aside from that, the relaxing atmosphere, rich culture, and friendly natives only make it more tempting. Economically, if you wanted to live there only part time, it is a great investment.
There are real estate management companies ready and able to maintain your property in addition to leasing or renting your space when you are not using it. You can enjoy the property for yourself at your own leisure, and earn a return on your investment while you live elsewhere. There aren't any restrictions if you decide to eventually sell your property, and chances are that you will find an eager buyer quickly, just because of the neighborhood and the eye-catching views.
With the Citizenship by Investment program, you will also be able to enjoy Visa free international access to the United States, the United Kingdom, Hong Kong, and more than 65 other countries around the world. There is also no personal income tax, so that is a freedom in and of it.
Nevis Real Estate is certainly a worthy investment that has many benefits. Citizenship is a great option, and you do not have to denounce your existing citizenship in order to obtain it there. It is a beautiful island and a good opportunity.

All investing is a bet on the future. The difference is how you arrive at your bet. A review of the decision making methods may help you decide which works best for you.
Options for making your investment decisions include:
• Hunches - sometimes our instincts can be rewarding, but just as often they can cost us money because a hunch is based on what we think we know and not on what is possible to know with research or analysis. Do I sound like I don't recommend this method? You bet I don't.
• Tips - a suggestion from a friend, co-worker, cousin or uncle can come from something they heard (another tip), something on TV, the internet or just about anywhere. The question again, is the tip validated with research or analysis?
• The Press - TV shows, internet articles & forums, magazines and newspapers along with newsletters with 'buy' suggestions. Usually these are backed by some type of research so the question then becomes, "What is the batting average of the source, the person making the recommendation?" Without knowing the batting average these recommendations may not have any more value than an ordinary tip.
• Fundamental Research and Analysis - you can do it yourself or read someone else's reports about the management of a stock or fund, the industry and product trends and viability along with their financial status. Decision making based on fundamentals is primarily for long term investing because a thorough analysis can take days, weeks and even months.
• Chart Analysis - Reading charts can provide you with indications or indicators of future performance based on past performance of a ticker symbol. There are more chart types than it is possible to list in a short article. There are also free internet chart services plus chart programs that cost. Some software programs offer just the most popular or most relevant charts so the choice because yours and this choice relates to time: time to learn a chart program can be many months; and time to review charts on a regular basis can involve minutes or a full day depending upon how they are used.
• Technical Analysis - evaluating the data of a particular ticker symbol or group of symbols can produce either or both charts, spreadsheet results or reports based on the analysis. Chart analysis is a type of technical analysis but a true technical analysis program can go further by allowing you to evaluate the symbol or group data in additional ways and provide reports "in plain English" that make decision making easier. Depending upon your objectives and time frame these software programs can involve as little as 30 minutes a week and provide reliable investing recommendations.
In other words, investing need not be a bet. You have choices based on your preference for doing things and how much time you want to spend at it to make sound investment decisions.
Personally I like to use technical analysis that gives me an easy to read report coupled with key charts that can confirm recommendations. Key charts like moving average and full stochastic can be especially helpful when the markets are volatile and jumping up and down from day to day or week to week.

For the past few years, the US government has increased its deficit spending by more than a trillion dollars a year. This amount of spending is unprecedented. For the current year, our elected officials are talking about a budget which includes approximately 1 ½ trillion in deficit spending. Pumping dollars into the economy at this level is similar to adding a gallon of water to a can of orange juice. As more and more dollars are poured into the economy, the dollar's value is diluted. This dilution increases inflationary pressures which in turn have an impact on your investments.
In an inflationary environment, people who live on a fixed income are typically hurt the worst. As prices increase, they are not able to buy as much as they did before. Creditors with contracts which include fixed interest rates are also negatively impacted. Suppose you were a creditor and you made a loan. The loan has a fixed annual interest rate of eight percent. Inflation was five percent when you made the loan. This means your real rate of return was three percent. If inflation increases to 10 percent next year, your real rate of return would be negative two percent. On the other hand, if you're not the creditor but the borrower, inflation allows you to pay your fixed debt payments with cheaper dollars. You'll be able to pay off your debt faster with diluted dollars.
Investing in stocks may not be as bad as you might think. If a company is run by competent managers who increase prices as costs increase, the company's revenues and earnings should increase as inflation increases. Be sure to invest in stocks that have returns higher than the inflation rate. You can also purchase inflation protected investments like inflation indexed bonds and Treasury Inflation Protected Securities (TIPS). These investments are impervious to inflation risk because their rates move with inflation. An investment portfolio with fixed income securities that are not protected against inflation will see a deterioration of value. If your portfolio has fixed income securities that aren't inflation protected and you expect higher inflation in the future, I recommend moving your money out of these fixed income securities.
In a high inflationary environment, investors look more for investments with a short-term maturity horizon. Investors tend to shy away from investments with long-term maturities due to the increased uncertainty. Because inflation makes it difficult to predict future expectations, investors are unwilling to enter into long-term contracts. Over time this unwillingness has a negative affect on economic growth.
Investors also utilize "stores of value" to hedge against inflation risk. Throughout history precious metals have been used as stores of value. People purchased metals like gold and silver. They have also used other stores of value like real estate, works of art, precious stones, and livestock. Eventhough the value of these commodities change over time, they have shown to retain some value in almost any situation.

Is your laptop running slow? Does it take a long time for your computer to boot? Don't know what is wrong with your computer? Well, there are lots of different factors that might contribute to that. Keeping a computer healthy is not an easy task. Sometimes, technical knowledge is needed to maintain a computer and keep it running the way you want it to. So, what are the factors that can cause a computer to run slow and what can we do about them?

Too many programs

Your memory also known as the RAM of your computer is not unlimited. All processes that run in your machine needs to be handled by the memory. Too many programs can cause a very high percentage of RAM usage. When the RAM is used at almost full capacity, the program loading and response becomes really slow.

There are two things you can do, first, to increase your memory and second is to uninstall unnecessary programs. Personally, I suggest option number 1 because it is more practical because apparently you have unnecessary programs installed and you can do anything without them.
Mala-wares, Viruses and Spy-ware

This is the most obvious cause of most computer related problems. These are little programs that attack your computer and have different purposes. Some destroy and corrupt your files some makes your laptop running slow and steal important data from your machine; some can fill your hard drive with useless data and some can even damage your hardware. Some of these run quietly in the background thus using some of your resources. To protect yourself, you have to get anti-virus, anti-malaware and anti-spy ware programs. Some of these can be obtained for free.

Fragmentation of Hard Drive

Your hard drive is just like your room. There are lots of things in it. It is also made up of sectors. Because there are lots of files, your computer has to look for a particular file if there is a request for it. If the files are not organized it will take your Computer longer than usual for it to find the needed file. If you tried looking for something in a messy room, you will know what I mean. If the programs are organized just like my room, looking for the right files will be much easier. To be able to keep your hard drive defragmented, you should always defragment it whenever there are lots of fragments. You should monitor this always.

Hardware

Some people tend to forget this one. A damaged hardware is bad hardware. No matter how much you maintain the software, if the hardware is not good, the results will be the same. The tip here is that you should always take care of your computer. Protect it from bumps, drops, and temperature changes.

Oil and gas investing begins with the investor determining what oil and gas stocks he should invest his hard earned cash into. While some will focus on oil and gas stocks which yield a higher return on investment opportunities like oil sands stocks and Canadian oil stocks, we feel that you should begin by reviewing the following key three factors:

1) Is the Oil Stock Over valued?

This is probably the first question you should ask yourself as a lot of oil stocks are more hype than actual value. A good indicator of an oil stocks value is the oil stocks price earnings ratio. If the price earnings ratio is greater than 20, we would suggest you further investigate why the oil stocks price earnings ratio is so high. If it is due to an aggressive growth strategy including a recent land acquisition or a large drilling program that is to take place in the future, attempt to determine the impact these events will have on the oil stocks earnings. In a lot of cases the future event's impact on the oil stock will not be what the investment community forsees.

2) Trust Unit versus Common Share

There are a significant amount of oil and gas stocks which have converted to become trust units. The main purpose of these oil stocks becoming trust units is to save and defer tax to unitholders. However, the distributions that these oil stocks (trust units) pay out require a significant amount of cash flow and therefore reduce the growth capability of the specific oil stock. Therefore if you are looking for an oil stock which will provide you with steady cash flow than an oil stock which is a trust unit is your choice. Whereas if you would like to hold an oil stock in your portfolio which has a high growth potential you should stay away from oil stocks which are trust units. This is because normal public company shares usually do not pay out large dividends to shareholders as they prefer to reinvest their hard earned cash in their capital program. Oil and gas capital programs include purchasing land, mineral rights, drilling programs etc., all of which are more likely to generate shareholder value rather than just paying these funds out to unitholders.

3) Natural Gas versus Oil

Investors should be aware what percent of their oil and gas stocks interest is in natural gas versus oil. This is important as if you buy a natural gas focused oil and gas company and the price of natural gas is at an all time high then this is probably not the time to buy. However this is probably a good time to consider selling depending on what commodity experts feel the price of natural gas will do in the years/months to come. The same goes for oil stocks, although it is our feeling that the price of oil is much less volatile as it is doubtful the price of oil will be reduced by 50%. Whereas the price of natural gas can easily be reduced by 50% in a given year. If you are planning on holding your oil and gas investment for an extended period of time then do not fret too much about the commodity prices as they should increase with inflation over an extended period of time. If you are buying and selling oil and gas stocks for short periods of time, then commodity prices become extremely important as you can make a significant return in a short period of time.
By considering the above three factors you will be on your way to earning black gold. All oil and gas investors should also monitor insider trades of oil and gas public companies. http://www.findst.com is a invaluable resource for oil and gas investors as it helps oil and gas investors monitor their oil and gas stocks.

The Pacific Ocean is the greatest illustration of marine biodiversity in this world with its vibrant population of whales, sharks and fish. That's why it is very important conserve this diverse marine life through education.

If you would like understand everything with regards to the ocean and marine life, the best place to begin with is the largest ocean on earth, the Pacific Ocean. It covers about 135,663 kilometers of coastline and about 28% of the world's surface. It stretches through the coastlines of continents such as North America, South
America, Asia, and Australia. The Mariana Trench is the deepest portion of any ocean on earth with a depth of 36,201 feet. Numerous islands also dot this wide ocean, which includes Tahiti, Fiji, and Hawaii.

Because of its vastness, the Pacific Ocean is additionally the place to find numerous sea animals. It is one of the most diverse habitats in this world as you'll find whales, dolphins, fish, and crustaceans here. From the most fearsome sharks to tiny planktons, you will find a diverse assortment of ocean life in this part of the world. This huge number of marine life helps make this ocean among the finest sites for biodiversity on earth.

Just what sorts of sea animals is found in the Pacific? On the topmost tier of the food chain is the whale. The blue, humpback, and sperm whales are just many of the beings which thrive in this ocean. These gentle beings are important in the environment and diversity of the Pacific. Krill, plankton, as well as other tiny fish are a significant part of the diet of the gentle giants, however the killer whale can consume other whales and seals. Sadly, a few of these sea animals are on the brink of extinction.

Various types of sharks also call the Pacific Ocean their home. These kinds of predators are sometimes misrepresented in movies and in books, and this has sometimes added to the species' vulnerability and near extinction. Its skin comprises of cartilage material (a stuff that is present in human noses and ears), which makes it very hard to cut into.

The Pacific Ocean is also home to a lot of types of fish used in industrial fishing which includes salmon, sardines, and mackerel. Extraordinary kinds of fish such as the Cocinero, Hawaiian ladyfish, and Bering flounder are also found in this ocean. This kind of marine life feeds many people, which is one of the reasons why it is really worth protecting.

The world's greatest coral reefs are also in the Pacific. These coral reefs are the place to find a diversity of ocean life, which is why a lot of energy is invested in preserving them. Reefs can take thousands of years to develop plus some have even taken up to millions of years to build. The Pacific Ocean is home to wonderful coral reefs such as the ones situated in Australia, New Caledonia, and Papua New Guinea. These reefs contain huge ocean life which needs to be preserved.

The Pacific Ocean isn't just a large, blue, and vacant space. It's full of sea animals as well as other organisms that contribute so much to the harmony in the eco-system. We need to understand the value of the ocean and the marine life for us to learn ways to safeguard our heritage for ourselves and for the future generation.

Preserving this vast collection of ocean life needs to be one of the top priorities in our preservation efforts, and education plays a large role in this. With the right education, we may just be able to preserve many of the sea animals on the brink of extinction these days.

Prudential plc is a leading financial services company from England that stood since 1848. Prudential plc has the aim to assist communities in planning their finances and families by providing them with products to prevent financial risks in accordance with the selected financial plan.

Prudential insurance group has a strong position on the 3 largest markets and most profitable in the world namely UK and European, U.S. and Asia. In the third of this market increasing global wealth and demographic dynamic raises a big demand for products with a long-term protection of investment.

Prudential insurance always maintain a harmonious relationship and continuing with our clients through provision of products and services that offer added value in terms of finance and protection.

The most important fact about prudential plc
- Prudential Group manages more than GBP249 billion of funds
- Total sales based on prudential APE group is more than GBP3 billion
- Serving more than 21 million customers worldwide
- Move through a multi-channel distribution
- Diverse revenue sources from different geographical areas

Prudential UK

Prudential is a service provider of life insurance and pension funds of leading in the UK. Has more than 7 million customers and 6700 employees (data as at 30 June 2005). Prudential operations in Belfast, Dublin,

London, Mumbai, Reading and Sterling
Jackson National Life (JNL)
Is one of the largest life insurance companies in the U.S. JNL offers insurance products namely fixed index, annuities are not permanent, term life insurance and permanent as well as institutional life insurance products. Through its affiliated companies, JNL also provides asset management and retail securities trading services.

MetLife is an insurance provider that covers various types of insurances. MetLife dental insurance is one of them and is intended for those people who require cheap dental insurance. They offer both PPO and HMO insurance plans. Additionally, they are interconnected with a diverse portfolio of dentists providing top quality services to patients. The Preferred Dentist Program (PDP) is the basic dental program offered by MetLife.

PDP provides its members with an opportunity to pick a dentist of their own choice. The customers are assisted by MetLife in their choice of dentist. This is how the mechanism works. The patient is provided with a catalogue listing all the dentists that are part of the MetLife dental Insurance portfolio. The patient is free to pick whoever they want. Once the dentist has been chosen, the patient becomes eligible for discounted services.

At present MetLife has round about 90000 dentists in its network. All these dentists are part of the discounted services program. There is no restriction to necessarily choose a dentist provided on the list. The patient is free to choose someone from outside the list. They would still receive discounts on the services the utilize. However, there would be some elements of the services that would cost more for an outside dentist.

For instance if the patient visits a dentist, not on the MetLife insurance network, they may have to pay for 10 - 40% of the services while the remaining amount is covered by the insurance plan. Such matters should be enquired from MetLife help centers. A patient could either visit a local office or make a call. Such information regarding various packages and their particulars is also available on the internet. The fees would be considerably lower if the patient visits a dentist who is on the network. The payable fees on such occasions would only be those listed on the insurance policy.

The sporting season is ON in Dublin. The sports lovers are going to have great fun in this year. There are many exciting football and rugby championships that are going to entertain the sports lovers. All these events are going to take place in Dublin's Aviva stadium. The massive Aviva stadium has a capacity of 51,000 spectators. The stadium was opened last year and many grand events were conducted. It is the biggest stadium in Ireland.
The Irish sporting season in the new year started off with football and rugby in February. After the Rugby match in February with France, Ireland is going to face its rival England on the 19th of March which is the final match of the RBS six nations rugby fixture.
After the exciting rugby season it is time for football. Ireland is going to head with Macedonia in the qualifier match for the European championship which is very crucial for both the nations.After that, Ireland is going to play against Uruguay in another friendly fixture which is going to be held in the end of March.The action does not end here. The exciting quarter final of Heineken cup between Leinster and Leicester is going to take place on 9th April. This is the best competition in April.
The month of May is going to start off with the much awaited UEFA Europa League. The football action continues with the four nation international tournament where Ireland, Northern Ireland, Scotland and Wales are going to participate.
After the excellent football action, Aviva stadium is all set for the musical concerts. The most talented and popular musician Neil Diamond's Concert is going to take place in the end of June. After Neil Diamond's concert it is the time for the Irish stars Danny O' Donoghue and Mark Sheehan to rock at the script concert in July. These concerts are going to rock the music fans.
The Aviva stadium is all set to entertain the sports lovers and also the music lovers in the first half of the year. There are may more awaited sporting events and musical concerts that are going to take place later this year.
If you are looking for Aviva Stadium Hotel accommodation, there are plenty of places in the surrounding area to stay in, with access to town via trams and local trains. The Aviva Stadium Hotel is the best and economical place for the people attending the events.

Article Source: http://EzineArticles.com/6044992

Why Should You Compare Insurance?
Lots of people just purchase insurance policies because they saw a cute advertisement on TV or a friend sent them to the company that they use. This can be an expensive mistake. Different companies all have their own ways of rating applicants, and you should figure out which insurer will be the best choice for you.
In my opinion, you should always compare before you buy. After all, for most of us, our insurance premiums are a big part of our local budget. When you add up your auto, home, life, and heath insurance premiums, you may be spending thousands of dollars every year. Why not take advantage of an opportunity to cut your bills or get better coverage?

Examples To Illustrated Why You Should Compare Policies
To illustrate the importance of comparing quotes and plans, look at an example. A few years ago, I was very satisfied with my old auto policy and company. I had been with the same company for several years, and my experiences were positive. I believed the premium was fair. I had experienced good customer service when I did need to make a claim.
But when I tried to add a teen driver to my family coverage, that old company tripled my rates! I tried to call and reason with them, but they could not make me a better offer. They said that my teenager was a high risk driver, and that it always would be expensive to cover him.
Instead of just accepting that high price, I obtained competitive quotes from a handful of major companies in my area. A very well known company had attractive discounts that I could qualify for. They gave me a premium estimate which combined by home and auto policy, and which saved me $200 a month.
Saving two hundred dollars a month meant that I saved over $2,000 a year. In my opinion, that savings was worth a little bit of time spent shopping.

How Should You Start Comparing Insurance Policies?
If you have ever studied your own policies, you probably thought they looked pretty confusing. There are so many things to consider. You will need to select the amount and type of coverage, deductible amounts, and which features to accept or decline.
In addition, it used to be very tough to actually compare different companies. In the old days, you would have had to set appointments with a handful of agents, sit through presentations, and set aside quite a bit of time. Many of these agents had an agenda. They wanted to sell you on their particular company. You could not be sure you were getting unbiased advice. This made the whole process of comparing companies very time consuming and stressful.
Because it used to be so hard to compare policies, many people never really do a good job of researching this important purchase. They still believe that the only way to shop for a new policy is to do it the old fashioned way.

Compare Insurance The 21st Century Way!
However, the 21st century gave us the Internet Revolution. Now we have access to high-tech quote systems that run on any computer with access to the web. You can find some simple and quick quote forms that only take a few minutes to use.

• Look for a quote form that compares multiple insurers. Also look for a secure server so your information is safe. Third party verification, like the Better Business Bureau, can also tell you if other people were satisfied with this service. You should see this information displayed before you start the quote form.
• It takes less than 5 minutes to complete the online quote form. The type of insurance you want will affect some of the details that are requested. Other information, like your zip code, will always be asked for.
• After you complete the form, you will get to compare more than one insurance company and/or policy. You should also get a phone number and email address for agents and representatives who can answer your questions. Sometimes you can complete your transaction online or over the phone.
• You should never be under any obligation to purchase an insurance policy. You are free to keep your old policy, keep shopping, or purchase a policy from one of the insurers you see on your quote form.

Combine Technology with Expert Advice
In addition to using the online systems to get matched with good companies, you can also take advantage of the contact information for local agents and company representatives. You are free to call or email these people if you have any final questions that can help you decide.
Personally, I like to use the computer systems to help me narrow down my choices. I always like to speak to somebody at the company before I make a final decision. Beyond the price I will pay, I also like to make sure I will be dealing with a friendly and helpful company.
The systems are totally free, and they do not put you under any obligation to purchase a policy from one of the participating insurance companies. Since they are quick to use, and they do not cost anything, this is a great way to save money and time when you are trying to compare policies.

Giving a tough fight to our distant neighbours, India impressively won against Pakistan, leading the nation towards the magnanimous Cricket One Day World Cup 2011 final against Sri Lanka. And then, as Oracle Bejan Daruwala had very rightly prophesised, history recreated itself when the Indian cricket team lifted the World cup after 28yrs of waiting...that too winning it on our soil and in my very own city of Mumbai. What more could we ask for huh!

Height of Ecstasy
It was a volcanic blast of patriotism and pride that erupted on that winning day, the 2nd Apr 2011. Winning the world cup brought 1.2 billion Indians together as one nation irrespective of the diverse cultures, languages spoken, social status, and religion prevalent in secular India. Look at what eleven men of the Indian cricket team have done to this nation! They have not only won the World Cup for us but, they have united the nation giving it a long lasting ecstasy that no other drug can give. And as lover boy Enrique Iglesias would say, "I'm addicted, I'm out of control, but you're the drug that keeps me from dying." This is exactly what the cricket drug has done to Indians all round the world. We are still reeling in euphoria and this feeling is still sinking in. The India that was celebrating with fireworks, whistling through the vuvuzela, dancing to the World cup signature tune, draping herself with the tricolour flag, and hugging each other till eternity is the real India which erupted in national harmony since a long time. Even I saw the real India on that very glorious night. Frankly...it gave me goose bumps!
Our maiden World Cup win was in Y1983. The difference however was that, we were the underdogs then...the apple of no one's eyes. But today, things have changed...tables have turned. India is not only brimming with her cricketing glory but also with her brilliance showcased in each and every sphere of life. After this huge win, the emotionally gripped Kapil Dev, the captain of the Y1983 World Cup winning squad said that the team that he captained is different from the Team India of today. Today's team he said were under tremendous pressure and that they are better players that the players of 1983. What more could Team India 2011 ask for!

Demigod of Cricket
As a young boy, God of Cricket, Sachin Tendulkar always dreamt of winning a World Cup. The World Cup 2011 win by far was the best moments he had been waiting for since 21 years. It might have taken this master blaster two decades to see this glory, but happy are those youngsters in the team who got to see this big day very early in their life...some of them hardly a year old in their careers.

Beyond Cricket
Supposedly, the gentleman's game (Cricket) may not be India's national game (Hockey), but this game has got more focus, resources, infrastructure, funding, passion, and dedication than any other game played in India. Thus making it one of the most sought after careers among young India.
There is hence an urgent need for our sports cabinet to rethink their strategy towards inducing the same passion towards other sports in India, including games like hockey, tennis, shooting, boxing, sprint, badminton, to name a few. India is brimming with talented young men and women who would love to make a sporting career, provided the sport is driven with the same motivation like cricket. Indian parents still dream of making their child a doctor or an engineer, and hence it is now time for us to think beyond these conventional careers.

Where is Poonam Pandey?
In the midst of all the excitement that has still not sunk in, everybody is on the lookout for maiden stripper, Poonam Pandey who has gone rogue after India's win in the World Cup. Before the world cup, Poonam promised to strip every piece of clothe on her skin to celebrate India's win. But it has already been two days after India's glorious win and the mysterious lady is gone missing. So, here is a call to readers...if you happen to find or see Poonam Pandey in the vicinity or in around your circles, please report it as soon as possible. The whole of India is waiting for her to do her thing.

Post script
On a lighter note, there is this hilarious joke doing the rounds that I would like to share with you. A Sri Lankan was sitting at the corner of the street slurping tea from a saucer. Looking at him, a passerby asked him why is he drinking his tea in a saucer...and prompt comes the reply...India took away the cup. LOL

1. Consider where you save
Interest rates are not what they once were. Check to see that you have the best interest rate for your savings and don't be afraid to switch to another bank or building society in order to save more. The interest rates on fixed-rate bonds are climbing and so if your financial position is secure, then this is something to consider.
2. Avoid Credit Card debt
Try not to overspend on your credit card! The interest rates are normally high, and so consider switching to a 0% APR credit card - it may mean that you're charged for transferring the balance, but this will be nothing compared to the continuing interest that you will pay should you continue to rack up costs on your original credit card.
3. Think about your overdraft situation
Many banks will charge you for being overdrawn. Shop around to find a bank that will not charge you a fixed fee or interest for being overdrawn. If you can't find one, work out whether a fixed overdraft cost would be cheaper for you than paying interest on your overdraft.
4. Avoid renewing contracts without shopping around
This applies to phone, internet, and TV right through to insurance renewals. Customer loyalty is not always rewarded and so don't just renew your contract assuming that you will be offered the best deal. Shop around and you may just find something better - quote this to your existing provider and they may just match or better it!
5. Look for special offers, discounts and coupons
It's an obvious point but one that so many people ignore. When shopping for food, clothes and whatever else be sure to shop around and see what is on offer. Many stores compete for your business and will offer 'buy one get two free' and other great offers. Collect coupons too, and search online for vouchers and discount codes!
If you do find yourself in financial difficulty consider approaching someone with a reputation for effective money management and asking for help. Only use a reputable company and check online for any reviews. They will be able to talk to you about such things as IVAs - individual voluntary arrangements, bankruptcy and debt management. This can include debt consolidation and remortgaging. Don't let debts spiral out of control - as soon as you think you could be struggling talk to a professional.

If we look around we will come to know that every other person is looking for the ways of getting out credit card debt in 2011. Although, recession is over but still people are suffering from its after effects. They are still not able to get them out of their massive liabilities. Now they are living a helpless life where they have massive liabilities waiting to be paid and at the same time they have no financial assets to get them cleared.

When the government saw so much depression among people, it introduced many ways of getting out of credit card debt in 2011.These relief options include many different programs such as reduction of debt like negotiations, student loans, reduced APR's, debt counseling and a list of other plans as well. Best of all these plans is the debt settlement program.

In this plan, a person has to hire a debt settlement company. Experts of these settlement firms negotiate with the credit card company and get a reduction for the debtors. Another thing which is worth mentioning over here is that when people saw the demand of settlement deals, many fake companies also entered the industry.

They used to charge advance upfront fee from the clients and then afterwards they used to tell them that negotiations have failed and they will have to pay full amount. It made people run away from such deals again.

The Government once again introduced new debt settlement laws. These new laws now ensure the safety of the debtors more than ever before. According to these laws, no company can ask for any kind of advance fee until and unless reduction is being granted to the debtor. Moreover getting out of credit card debt in 2011 can be attained by adopting the debt settlement method.

Overall it can be said that the New Year is around and everyone is busy in making New Year's resolutions. People under massive credit card debt are thinking to make it a resolution that they will be looking for and will be following all the ways that will lead them towards getting out of credit card debt in 2011. Need of the hour is to understand all the debt relief options and make use of the plan which best suits the financial requirements.

Many companies need translators for a variety of reasons. Maybe they are printing documents in a second language, or maybe they are delivering abroad and need to be able to read and reply to customers' emails in a second language.
And if you have a second language, this is where you can come into action. If these businesses are not doing enough trade to employ full time language specialists, or their language specialists are on holiday, then they need short term translators working for them.

You don't need to be fluent in both languages
However, it is not always the case that you need to be fluent in both languages. This is certainly the case for a lot of people who are able to best make use of this idea.
For example, I know of someone who moved from Spain to England. Her English wasn't that great, but she was able to find plenty of work translating from English into Spanish - her native language.

Businesses can't always use translation tools
If a business is dealing with customers who speak a different language that business is probably happy putting the foreign language emails through a translation tool. It gives a near enough translation for what is required. However, typing in English and then translating to Spanish with a tool is not a good way to send an email to a new customer.
However, if you can then put that translation by a native Spanish speaker, or someone who has a good understanding of the language, then the translation can be cleaned up and can look completely correct.

Your job in the translation
And if you are also living abroad where the local language is different to your native language, this is how you can work. Even if you don't yet have a full grasp of the local lingo then you can use a translation tool to get most of the way there and then read through the draft, retyping it in the correct grammar.
With time, hopefully you will pick up the second language and be able to translate fully, but that then begs the question of how to find these companies.

Finding translation work
Well there are a lot of freelancing websites that advertise opportunities for freelancers to pick up a bit of work, and translations are one of the aspects that are covered by these sort of sites. So dig out a few such sites that cover wherever you are living and see what opportunities there are for translating work.
You could also visit some of those automated translation tools and take a look around their website. Many offer paid additional services in which a human translates the provided text. When you find these, drop them a line asking if they are taking on any translators in your field!