Saturday, 18 February 2017

Punya banyak lelaki yang ada kat Malaysia ni, lelaki Nepal juga yang dicari.Masa tu, diorang tengah sedap main tetiba bilik diorang kena sebu





























Foreign exchange market

The foreign exchange market (forexFX, or currency market) is a global decentralized market for the trading of currencies. This includes all aspects of buying, selling and exchanging currencies at current or determined prices. In terms of volume of trading, it is by far the largest market in the world, followed by the Credit market.[1] The main participants in this market are the larger international banksFinancial centres around the world function as anchors of trading between a wide range of multiple types of buyers and sellers around the clock, with the exception of weekends. The foreign exchange market does not determine the relative values of different currencies, but sets the current market price of the value of one currency as demanded against another.
The foreign exchange market works through financial institutions, and it operates on several levels. Behind the scenes banks turn to a smaller number of financial firms known as "dealers", who are actively involved in large quantities of foreign exchange trading. Most foreign exchange dealers are banks, so this behind-the-scenes market is sometimes called the "interbank market", although a few insurance companies and other kinds of financial firms are involved. Trades between foreign exchange dealers can be very large, involving hundreds of millions of dollars. Because of the sovereignty issue when involving two currencies, forex has little (if any) supervisory entity regulating its actions.
The foreign exchange market assists international trade and investments by enabling currency conversion. For example, it permits a business in the United States to import goods from European Union member states, especially Eurozone members, and pay Euros, even though its income is in United States dollars. It also supports direct speculation and evaluation relative to the value of currencies, and the carry trade, speculation based on the interest rate differential between two currencies.[2]
In a typical foreign exchange transaction, a party purchases some quantity of one currency by paying with some quantity of another currency. The modern foreign exchange market began forming during the 1970s after three decades of government restrictions on foreign exchange transactions (the Bretton Woods system of monetary management established the rules for commercial and financial relations among the world's major industrial states after World War II), when countries gradually switched to floating exchange rates from the previous exchange rate regime, which remained fixed as per the Bretton Woods system.
The foreign exchange market is unique because of the following characteristics:
  • its huge trading volume representing the largest asset class in the world leading to high liquidity;
  • its geographical dispersion;
  • its continuous operation: 24 hours a day except weekends, i.e., trading from 22:00 GMT on Sunday (Sydney) until 22:00 GMT Friday (New York);
  • the variety of factors that affect exchange rates;
  • the low margins of relative profit compared with other markets of fixed income; and
  • the use of leverage to enhance profit and loss margins and with respect to account size.
As such, it has been referred to as the market closest to the ideal of perfect competition, notwithstanding currency intervention by central banks.
According to the Bank for International Settlements,[3] the preliminary global results from the 2016 Triennial Central Bank Survey of Foreign Exchange and OTC Derivatives Markets Activity show that trading in foreign exchange markets averaged $5.1 trillion per day in April 2016. This is down from $5.4 trillion in April 2013 but up from $4.0 trillion in April 2010. Foreign exchange swaps were the most actively traded instruments in April 2016, at $2.4 trillion per day, followed by spot trading at $1.7 trillion. According to the Bank for International Settlements,[4] as of April 2016, average daily turnover in global foreign exchange markets is estimated at $5.09 trillion, a decline of approximately 5% from the $5.355 trillion daily volume as of April 2013. Some firms specializing on the foreign exchange market had put the average daily turnover in excess of US$4 trillion.[5] The $5.09 trillion break-down is as follows
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Friday, 27 May 2016

Top 10 Forex Strategies



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Top 10 Forex Strategies


The most important thing in the forex trading is to select the strategies to be used while trading to get maximum profits. You can find free guide for the strategies in our site.
Here are few strategies explained which can be followed in order to have a successful trade along with more profits

Forex Trading Strategies

Forex strategies can become very important for all of the traders. These strategies can never be calculated exactly. And the other important point here to be noted is about the difference in outcome all of the strategies will generally yield.
Few strategies will yield better returns than others by their performance. It depends on the individuals to choose some strategies which will be fitting their need in trading than the others.
  1. Bladerunner
    This is one of the exceptionally wonderful strategies which will be suitable for most of the timeframes and the pairs of currencies traded. It is a strategy that attempts to get the breakouts from a continual series and subsequently trade them.
  2. Daily Fibonacci Pivot
    This particular style brings together the Fibonacci styles and the extensions along with periodical pivots that happen on daily basis, weekly basis, monthly basis and even yearly basis. The significant advice in the strategy here is on usage of these combinations with daily pivots. But this idea can be taken easily into other longer timeframes while bringing in different combination in pivots.
  3. Bolly Band Bounce
    This is the best style which is being used in the market. Though this may be having less reliability among the strategies, many traders makes use of this along with the confirming signals in order to ensure greater effect.
  4. Forex Dual Stochastic
    This style of trade generally uses two paces. Slower and the faster are the paces that can be used in combination in order to choose areas where the price is shooting but goes overextended in a period of short term retracement. And while getting back it gets into a continuation of the same trend.
  5. Forex Overlapping Fibonacci
    These trading styles are the most favourable choices of many traders who attempts to do forex trade. Though there are lesser beliefs on reliability on these styles than the others, this can bring in more benefits when used along with the suitable signals which help in making them more accurate.
  6. London Hammer
    The London Hammer style is the choice of many traders who does on an attempt in order to capitalise on their opportunities. This can be certainly used at places when the price is expected to be trending up strongly unidirectional, and that also can possibly get follow back from the position of resistance.
  7. The Bladerunner Reversal
    The Bladerunner style is just a trend which is following a specific strategy. But the Bladerunner reversal style is just effective and chooses entries from scenarios where the trend inverses and the price start trading on the opposite side.
  8. Pop ‘n’ Stop
    This style of trade will be very useful in the situation where you track the price as it goes upside but you start suffering losses when the trend back tracks very quickly. This is where you will need to have the secret of this style of trade. This can be very simple one while determining the trend and if the price will keep moving along the side of breakout. Hence you have to know all these things in order to achieve more profits.
  9. Drop ‘n’ Stop
    This is a simple style where it trades savage when breaking outs to the downside.
  10. Forex Fractal
    This is not only a strategy but also a main concept of market basics that you will really need to know so that you can understand about how the price is doing, why is it doing so, and who makes it to move.
Apart from the above mentioned strategies there are also many more that is being used by the traders. But as said earlier, they can just provide a simple description along with little proof confirming they can work genuine. But this will need a greater amount of research on your part prior to start using any of these strategies for trading with your real money.

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Monday, 23 May 2016

What is Bodily Injury Liability?


What is Bodily Injury Liability?
Bodily injury liability provides coverage in case you cause an auto accident in which another person (or people) is hurt. It covers the damages that you're legally responsible for, and provides a legal defense if someone sues you for damages.


Bodily injury coverage is mandatory in most states, and most states have a minimum limit, so be sure to check your state’s insurance requirements.

What does Bodily Injury Liability cover?
Bodily Injury liability limits are typically shown like this: $50,000/$100,000.

This is meant to represent the highest amount per person and per accident that your insurance company would pay if you had to use this insurance.

So for example, if your limit was $50,000/$100,000 and you caused an accident that injured other people, your insurance would pay for up to $50,000 of one person's medical bills and up to $100,000 for more than one person.

How much coverage do I need?
When choosing your Bodily Injury liability limits, you should consider all of your assets, including your home and future earnings. Why? Because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit.

What is Comprehensive Coverage?
Comprehensive Coverage covers losses resulting from incidents other than collision. For example, you are covered if your auto is stolen or damaged by flood, fire or vandalism. Ever had a tree limb fall on your car during a storm? Or had someone break into your car? That's what this coverage is for.

If you own or lease your car, your bank may require you to carry Comprehensive Coverage.

What should my comprehensive deductible be?

When choosing a comprehensive deductible, or if you want to purchase Comprehensive Coverage at all, it's important to think about the age of your car and how much you think repairs might cost you.

A comprehensive deductible is the amount of money you would be comfortable paying out of pocket if you ever suffered this kind of loss. So if your car was stolen and you had a deductible of $500, you would pay $500 out of pocket and Liberty Mutual would handle the rest of the expenses.
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Thursday, 19 May 2016

Protection from high medical costs


Health insurance provides important financial protection in case you have a serious accident or sickness.
People without health coverage are exposed to these costs. This can sometimes lead people without coverage into deep debt or even into bankruptcy.
It’s easy to underestimate how much medical care can cost:
  • Fixing a broken leg can cost up to $7,500
  • The average cost of a 3-day hospital stay is around $30,000
  • Comprehensive cancer care can cost hundreds of thousands of dollars
Having health coverage can help protect you from high, unexpected costs like these.

How a Marketplace health insurance plan protects you

When you have coverage, your plan protects you from high medical expenses 3 ways:
  • Reduced costs after you meet your deductible Once your spending for covered services reaches your plan’s deductible, the plan covers part of your medical expenses. Marketplace plans cover between 60% and 90% of your covered expenses after you’ve met your deductible.
    • Example: If your plan has a $1,000 deductible, you pay the first $1,000 in covered services. After that, your plan pays between 60% and 90% of your covered expenses, depending of what kind of plan you have. You pay between 10% and 40% of the costs as coinsurance or copayments.
  • Out-of-pocket maximum This is the total amount you'll have to pay no matter how much covered care you get in a plan year.
    • Example: If your plan has a $3,000 out-of-pocket maximum, once you pay $3,000 in deductibles, coinsurance, and copayments the plan pays for any covered care for the rest of the year. This provides important peace of mind and protection from very high medical costs.
  • No yearly or lifetime limits Health plans in the Marketplace can't put dollar limits on how much they’ll spend each year or over your lifetime to cover essential health benefits.
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Saturday, 14 May 2016

How to Compare Car Insurance



How to Compare Car Insurance

There's more to car insurance than the dollar amount.


woman considers how to compare car insurance
When comparing car insurance quotes online, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Here are some things to be looking for when you compare car insurance quotes:

Ensure Coverages, Limits and Deductible Amounts are the Same
Higher coverages and limits, as well as lower deductibles, will raise the premium you pay. At the same time, lower coverages and limits and higher deductibles will lower your premium. Be sure, also, that you are comparing the same coverage period, usually a 6-month or 12-month term.

Use the limits listed on your current policy, or use our Car Insurance Coverage Calculator to select the amounts you'll use to compare car insurance rates.

Know What Coverage You're Getting
Auto insurance policies have a number of components. When you compare car insurance it's a good idea to be familiar with concepts such as:

  • Liability
  • Medical payments and personal injury
  • Uninsured/underinsured motorists
  • Collision and comprehensive
Before you compare car insurance quotes, learn more about Car Insurance Coverages.

Know What Policy Features are Included
When Liberty Mutual provides you with a car insurance quote, we list all coverages and features of the policy so that you know exactly what's included in your quote, and which items may have an additional cost, such as towing or car rental coverages. When you compare car insurance, make sure you're getting the coverage you need and the features you want.


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Rights to Sell Structured Settlements


Structured settlement terms are unable to be renegotiated once the annuity contract has been issued. For some, this means not being able to access their money when they need it.
The structured 
However, for those who have a financial need, there is a way to access their funds by selling payments. The structured settlement secondary market emerged because people wanted a way to sell future payments for a lump sum today. So companies now exist which buy structured settlements in exchange for cash now.
As with any major financial decision, the choice to sell should be something you carefully consider. Federal and state regulations requires the sale of structured settlement payments to go through a judge to ensure it’s in the best interest of the person selling.
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Structured settlements

Taxes Decoded: Qualified vs. Unqualified

Structured settlements are often divided into two categories: qualified for tax exemption and unqualified for tax exemption.
Exceptions can exist however, so consult a financial professional when preparing your state and federal taxes.
Qualified Structured Settlements

Qualified

The traditional structured settlement for physical injury or sickness claims must meet certain requirements in order to qualify for tax exemption. These requirements include: the settlement amount has to be placed in an annuity, periodic payments are fixed and determinable as to amount and time of payment, claimant cannot modify the periodic payments, and those payments must be payable to the recipient or liability insurer.

Unqualified

This type of settlement is used when claims for damages fall outside the usual scope of physical injury, sickness or wrongful death and thus are not tax exempt. They are often used for claims involving racial discrimination, sexual harassment, wrongful termination, or violation of the Americans with Disabilities Act of 1990 or the Employee Retirement Income and Securities Act of 1974. The tax benefits differ among the types of transactions.
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Structured Settlements Explained


Legal language aside, structured settlements are simple. In a civil case, someone is either forced or agrees to pay someone else money to right a wrong. Instead just writing a check, the at-fault person outs the money towards an annuity from a life insurance company. In that annuity contract are details on the series payments the person who was wronged will receive from the life insurance company. quickly.
The process is around 40 years old. In the 1970s, the courts ruled that a medication called Thalidomide given to pregnant women was responsible for serious, lifelong birth defects, structured settlements emerged as a way to make sure the money awarded to the child lasted a lifetime.
Still, today, most settlements from civil cases are lump sums. There are two key differences between lump sum settlements and structured settlements: long term security and taxes. By structuring the money over a longer period of time, a structured settlement offers a better future guarantee of money than a single payout which can be spent quickly. Money you receive from a personal injury is almost always tax free when you receive it. However, once the money is yours, you’re liable for taxes and dividends from the lump sum.
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