3 Technology Investments that could be your Golden Ticket

Technology Investments

Science and technology are, combined, one of the main areas that good investments are made in.  In the world of technology, new products are being pushed to market at an increasing rate, and the public’s desire for them is ever-increasing.

What this means is that if you’re thinking of investing in stocks and shares, you should probably turn to the world of technology to put you onto a winner.  Here are 3 of the best technology investments that you should consider; they could be your golden ticket.

 

Google

There are a lot of reasons to buy shares in Google in 2013. For a start, they’re the world’s largest search company, and in a society that is built upon the quick retrieval of information, this is a huge, growing industry that is sure to make you money.

 

A second reason is Google are invested in wearable computing with their Google Glass technology.  Wearable computing is almost certainly the way that technology is moving, with Samsung recently releasing their Samsung galaxy Gear product – a watch computer which pushes information from your Galaxy phone.

A potential downside could be that the company’s investment in emerging technologies makes them a gamble.  With this – and all other Google trends set to increase, investing in them could be worthwhile.

 

Twitter

Twitter won’t be releasing their shares package for at least another year, but considering the amount of buzz and growth in this social media platform, it seems like an option you should at least keep on the table.

According to Market Watch, when Twitter does release their stock to the market, it will only be available to people who have a net worth of over $1,000,000 and an annual income of over $200,000.

This means this option won’t be available to everyone – a potential downside to this option.   But to those who can stretch to afford it, it could be a sound investment idea, so long as the public’s interest in the platform doesn’t decrease.

 

Apple

Recently Apple’s share price took a dive when its CEO Steve Jobs died.  However, Apple is on the bounce back and its stock is becoming much more valuable with the reveal of the iPhone 5C and 5S.

As well as their physical product range, Apple is also a company which sells and leases a huge amount of music, films and TV, and iTunes is one of the most popular media distribution platforms that has ever existed. Despite this, popularity in the iTunes platform is decreasing as platforms like Spotify take precedence.

For these reasons, Apple should be kept on the table as a company to watch, but don’t take them as a definite money maker.

Remember, technology is an incredibly fast-moving industry. This means that a good investment today is a bad one tomorrow.  You should therefore seek advice from a private investment firm who can let you know when to sell your technology shares – they could be your golden ticket.

Online Stock Trading Strategies for Beginners

Stock Trading

Online stock trading can be a successful source of extra income if you learn to invest wisely and safely. Beginners often make rookie mistakes and end up losing money and making sometimes devastating errors. If you are new to online stock trading, it is important that you have a game plan upfront before you jump in. Here are a few helpful online stock-trading strategies for beginners.

First, you will need to have an online broker to help you with your stock-trading investments, especially when you are first starting out. Be sure to do some research before deciding to work with one individual or company exclusively. Make sure that they will receive a low commission from your investment successes. Also check to see that quality, reliable customer service is available so that you will feel secure knowing help will be available to you throughout your stock trading processes online.

Once you are all set with a broker through a site like callandput.com, you need to determine how much money you are willing to invest into your stock-trading endeavors. You should never use money that you will need in the near future to stock trade. Only use money that you have set aside for investment opportunities. Similar to gambling, never put down more money than you can afford to lose in the worst-case scenario. Investing in the stock market is a calculated risk, but a risk nonetheless. So, do not chance any money that you were planning to use for important expenses such as a new car or your child’s college tuition! Once you have determined how much you can spend, explain your circumstances to your broker so that he or she knows how much you are able to invest into stock trading comfortably and reasonably.

With your set funds, you can start looking into stocks that you would be interested in purchasing. Don’t give in to hyped-up stocks. Instead, do your own research thoroughly and objectively to see if the particular stock is a worthwhile and somewhat stable investment option. You should be able to buy 100 shares of stock at a time, so you should divide your pre-determined fund budget by 100 to understand how to look for stocks that are in your price range on a per stock basis. Look at the prospects and determine if this stock will likely see growth and progress in the long term.

Finally, you will be ready to purchase stocks. Be sure to monitor them carefully and regularly to see when they escalate in price enough so you can consider when you may want to sell the stocks and get a return on your initial investment. When in doubt, consult your broker for advice, suggestions and to answer questions you may have.

Remember, that as a beginner stock trader, you will likely experience some successes as well as a few failures and downfalls even when working with a stockbroker through a site like callandput.com. This comes with the stock market, so be mentally and financially prepared for any and all scenarios. As long as you go into your stock trading experience with an open mind, flexibility, patience, and with a strong basis of information, you will likely do well in the market over time.

 

Understanding How Forex Trading Market Works and Few Tips to Conquer It!

Forex Trading Market

Gone are the days when foreign exchange (Forex) trading was something that individuals had to come across, only when they travelled abroad. Nowadays, forex trading has become common as a kind of investment trading. Traders who are involved in Forex trading speculate on the varying currency values for profit and some simply doing it for fun!

Understanding the Working of the Foreign Exchange Markets

In the foreign exchange market, traders trade one currency for another. The two currencies that are being traded are called a currency pair. This kind of trading is usually done through a market-maker or a broker (usually found online) once the trader decides what currency he is going to trade with. As a Forex trader, you have the liberty to select a currency pair, which you hope will change according to your predictions.

Traders can place their orders with only few clicks and then the orders will be passed away by the broker to an Interbank Market partner to fill in your position. Once your trade is closed, the broker also closes the Interbank Market position and credits your account with the gain or loss. The whole process happens within just a few seconds.

No Centralized Transactions

Foreign currency transactions are not centralized on a specific exchange and so they take place all over the globe through telecommunications. Such trading is open all through the day right from Sunday noon till Friday noon. In most of the time zones from around the globe, there are dealers quoting for all major foreign currencies. It is common among the investors to speculate on the prices of currency by receiving a credit line and greatly increase their possible losses and gains (called marginal trading).

Basic Tactics in Forex Trading

The two basic strategies in Fx trading are Fundamental Analysis and Technical Analysis. A fundamental analysis assesses the present conditions in the nations of the currency, including things like its political situation, economy and other associated rumors. Going by the figures, the economy of a nation depends upon several proven measurements like the unemployment level in the nation, rate of interest of the Central Bank, inflation rate, and tax policy. But, a Forex investor can also expect less experimental happenings like political unrest. Before footing all forecast on just the factors, it is vital to keep in mind that the investors must also remember the expectations of the market participants.

The Technical Analysis Approach

Technical analysis is used by most medium sized and small sized investors. This method branches from the supposition that all details about the market and a specific currency’s upcoming fluctuations are seen in the price chain.

This implies that all the aspects that impact the price, have already been taken into consideration, by the market and mirrored in the price. This forces such investors to base their investments upon 3 basic assumptions-

  • The market movement considers all the factors
  • The price movement s directly associated with these events and is purposeful
  • History repeats itself

Investors using the technical analysis method look at the lowest and highest currency prices, the closing and opening price, and the transaction volumes.

Overall, Forex trading is a pretty complicated business and if traders don’t invest in the right currency pair, they may not be able recover from the loss for a long time.

Author Bio: Ruskin Mitchell has been trading on foreign currencies for more than five years, and managed to generate decent profits over the years, so he often shares his personal experiences, and gives handy tips to those who’re new to Forex trading.

 

 

5 Reasons Why You Should Supplement Your Income With Forex

Forex

If you own a computer or laptop with an internet connection, have a few hours to spare each week, and are interested in supplementing your income, then entering the world of Forex could be for you.

So just what is Forex?

Quite simply, Forex trading, also referred to as currency trading, is a huge financial market where people trade one currency against another in the hope of making a profit.

It might all sound rather complicated, but once you learn the basics and gain a bit of experience, it can be both very rewarding and profitable.

Still not convinced?

Here are 5 reasons why you should supplement your income with Forex…

24 hours a day

The world of Forex trading never sleeps, which means the markets are open for business 24 hours a day.

No matter where you are in the world or what time it is, simply turn on your computer to start trading currencies.

Largest financial market

What if we told you that $4 trillion US dollars is traded on the Forex market every single day…has that got your attention?

With so much money being traded, don’t you think that you could capture a tiny piece of that huge pie, so you could earn a nice amount each month to supplement your income?

Who knows, if Forex trading is something that comes natural to you, then it’s very possible that you could quickly be earning enough money to quit your job.

Capital

If you wanted to start trading on the stock market, then you would need to have a few thousand dollars deposited into a broker account before you could get started. This is not the case with Forex trading, and in fact, it’s more than possible to open a Forex broker account and deposit only $100 to get started.

Of course, we recommend that you deposit a bit more than that if you are still a beginner, as it can take a bit of trial and error before you start becoming profitable.

Return on investment

One of the main reasons why Forex is so popular, is because of the potential for a high return on investment.

In other words, it’s not a safe investment like bonds, which only yields a small ROI year upon year. Currencies on the Forex market often go through periods of huge swings, which means if you make the right trade at the right time, then expect to be rewarded with a huge ROI.

Low commissions

Another factor which makes Forex trading so appealing to the average man and woman, is the low commissions offered by many Forex brokers.

In other forms of trading such as stocks, the commissions are very high, which means it can be difficult for someone looking to supplement their income to make any profit.

Conclusion

As you can see, Forex trading is an excellent way to earn a little bit of extra money on the side, or even make enough to quit your job and start working for yourself. Just be careful about trying to do too much at first. Take your time, learn as much as you can, and even consider finding a mentor to help you.

About the author

David Simpson is an expert on the topics of optionsxo binary options and Forex trading. When she is not trading on the markets or writing articles about the subject, she likes to spend time with her 2 cats.

 

Why insure your park home?

Home Insurance

Insurance is one of those things where people either swear by it – never stepping foot anywhere without it – or they brush it off. The latter of these two kinds of people you might expect have never had any reason to have insurance. Perhaps they’ve been lucky all their lives never to lose anything, damage anything, or never been burgled.

However, just because these things haven’t yet happened, it doesn’t mean they won’t.

This is the calculated risk that everyone must take when considering insurance but when the stakes are so high – as they are in a high value property or park home – then you have to ask, can you really afford to be without it?

Those considering park home insurance for example might just think that because their home is in an isolated park which comes with security provided by site management, that it is safe. Well yes it is, to a certain extent.

What would happen if there were to be a fire in this said home? You would like to think that this wouldn’t happen while you’re asleep, and that your alarm system works, but there may be occasions where you aren’t in control of the circumstances; forcing you to abandon your home quickly.

Because park homes are naturally smaller and more contained, events like fire can spread quickly. While the fire service are likely to put out the fire, you may lose some valuables in the process. Rebuilding any life after an event such as this is tragic and one where safeguards such as insurance can help.

Theft, whilst also hopefully unlikely, can also occur. Simply forgetting to lock your door because you trust your neighbours could result in a similarly unpleasant outcome.

You can also find insurance policies which will cover you for specific types of damages, such as computer or data theft – which could occur if you access the internet using a wireless connection for example. Emergency assistance, or appliance assistance, like gas heaters, might also be covered.

Insuring your park home is ultimately another way of safeguarding it, for years and years to come.

————————————————————————————————————————————–

Author Bio:

Elliot Robinson has been a writer for a decade and has been contributing regularly for various insurance related blogs. He regularly keeps himself updated with recent trends in the financial market and shares various tips and tricks to run business successfully. To know more visit:

http://regencyparklifegroup.com/insurance.php

 

 

 

 

How Travel Insurance Can Save You Money on Your Holiday to Australia

Travel Insurance

If you are planning an Australian holiday, you need to do more than just book your airline tickets and choose the best car hire company. While it is exciting to plan for your trip, some of the most important planning is far from fun. Many travelers overlook the importance of comparing and purchasing travel insurance. But overlooking this very affordable insurance plan can cost you a significant amount of money on your holiday is things do not go as planned. Before you board the plane and touchdown in Australia, find out why buying travel insurance is a must.Minor Incidents Can Turn Into a Major Financial Loss 

Then entire purpose of travel insurance is to pass on the financial risk associated with traveling on to a travel insurer. While you hope that nothing will happen while you are on your holiday, you cannot assume that everything will go perfectly. While most travel insurance claims that are filed may be minor, these minor incidents can turn into a major financial burden for the traveler if they do not have protection. From trip cancellation costs to the cost of staying in a hospital overseas, you need to be prepared. If you are the type of person who likes peace of mind while you are trying to enjoy yourself, travel insurance will deliver this peace of mind.

What Types of Protection Does Travel Insurance Offer?

When you sign your car hire contract, you review all of the details to see just what type of liability and damage insurance is included. You should also take time to review travel insurance plans before you purchase them so that you know what is and is not specifically covered. Here are some of the most popular types of protection offered in basic and comprehensive plans:

* Coverage for Lost Luggage 

There is nothing more frustrating than packing all of your new outfits and finding out that the airline has lost your luggage. Not only can buying new clothes overseas be expensive, it can also be very inconvenient. If you have travel insurance, the plan may provide protection for lost luggage and also stolen valuables.

* Coverage for Medical Treatment and Hospital Stays 

You do not have to be an adventurous individual just to get injured while you are on your holiday. If you are traveling to another country, chances are your medical insurance plan will not pay for treatment outside of the country. Travel insurance will provide coverage for hospital stays, medical treatment, ambulatory transport, and transport to your country of origin if necessary. Some plans will also pay for family to be flown home or flown into the country to provide support.

* Delayed Flights and Trip Cancellation 

You cannot control the weather. The weather can cause your flights to be delayed or even cancelled. If this happens, you take on the responsibility of paying for your hotel and risk losing deposits you have made. With travel insurance, you not only receive financial protection in these cases, you will also get assistance on changing your flights, your car hire, and even your hotel booking.

If you want to have the best holiday possible, it is very important to be prepared. Failing to purchase travel insurance can cost a lot of money and cause unnecessary headaches. Compare several plans, cost the price of insurance, and choose a plan that offers adequate protection.

This has been a guest post from Skedaddle, if you’re planning a trip down under, they have a website with lots of resources on loads of Aussie destinations.

Do I Need Mobile Home Insurance?

Because mobile homes are built from different materials and actually have once been considered motor vehicles, they require a different type of insurance than traditional homes. Since RVs are considered both motor vehicles and homes, they require an even more specific type of insurance. Do you know which type of coverage is right for you?

Here are some general guidelines for coverage:

  • If you live in a modular home that was delivered in multiple pieces and then assembled on your land, you probably just need a standard homeowners insurance policy.
  • If you have a Class A, B or C motor home such as a motor coach, camper van, travel trailer or RV, you probably need an RV insurance policy.
  • If you live in a mobile home that was prefabricated in a factory and then brought to your land, you need mobile home insurance.

It’s extremely important to do some research and make sure you’ve got the coverage you need to help protect the people and things you love most.

What does mobile home insurance cover?

Mobile home insurance offers similar coverage options as any homeowners policy. The structure of your mobile home and any detached structures such as garages or sheds will be protected, as well as your personal property and the contents of your home.  This type of coverage offers peace of mind that your financial investments in the structure of your home are protected if they are ever lost or damaged in a fire, natural disaster or other covered peril.

Personal liability offers protection should a visitor get injured on your property, meaning you won’t face overwhelming medical bills on your own. For example, if one of the kids has a friend over and he falls off his bike on your property, you could be held liable for his medical expenses. If you’re insured, your policy could cover the costs of the child’s care.

You can also benefit from investing in loss of use coverage, which helps pay for your temporary living expenses if you ever have to evacuate your mobile home while it is being repaired after a covered peril such as fire. Covered expenses typically include restaurant tabs, hotel bills, Laundromat expenses and more.

What’s the difference between mobile home insurance and RV insurance?

Mobile homes can be moved if necessary but are typically transported from a factory and permanently placed on your land. That’s why mobile home insurance offers similar coverage as a standard homeowners insurance policy for traditional homes. However, if you use a recreational vehicle as a primary residence, you’ll need a hybrid of auto insurance and homeowners insurance coverage.

There are many types of RV coverage, including what’s often referred to as full-timers packages for those who use their RVs as a primary residence. There also are coverages for vacation liability, emergency expenses and other protections for those who will be driving around.

For example, RV owners should invest in personal liability coverage as well as medical payments to others coverage. If you cause an accident that results in the injury of another party, your personal liability can help cover the bills. If someone is injured because of an accident while on the property occupied by your RV (that’s being used as your permanent residence), your medical payments coverage will help cover the bills.

If you’re unsure about which type of coverage is right for you, work with a licensed agent. It’s always better to be sure you’ve got the protection you need than to find out you’re uninsured or underinsured when you need it most.

This article was written by Kelly McMurtie, staff writer for the HomeInsurance.com blog.

Holiday Home Insurance – It Is Just as Important as Regular Home Insurance

holiday home

If you are one of the people who are lucky enough to have a house they can go to for holidays throughout the year, then you hopefully already know that you need to have holiday home insurance. Even though you do not spend as much time at this house as you do your regular house, you want to keep it protected in the event that something happens to it. You just never know what can happen – fires can start, trees can fall on the roof or fall through and break a window, etc. In the event that anything like that happens, you will be covered for the cost with an insurance policy.

Generally speaking, holiday home insurance is usually about the same in cost as your regular home insurance. You may even be able to get a dual policy that covers both houses. That is definitely something to look into as it could provide you with a discount since you have more than one house covered by the insurance company. If you currently have both of your houses covered by two different companies, then you should give each of the companies a call and see which one can offer you the best deal on covering both houses. You never know how much money you can save by doing that.

Because your house for holidays is just as important as your regular house, then the holiday home insurance coverage is just as important as well. You do not want to get a cheap policy that only covers minimal things for your house for holidays. You need to be sure that not only your house is covered, but that any furniture, antiques, electronics, etc. are also covered under the policy. The more things you want covered, the higher your premium is going to cost each month, but you need to be sure everything is covered in case you ever have to replace it due to damage or theft.

Making sure that you are getting the best rate for your holiday home insurance is very important. If you are new to owning a house for holidays, then you can always look online for different insurance companies that offer policies just for houses that are used for holidays. You can find and compare several different companies and policies so that you can see what all is available and which policy it is that you need.

Motor Home Insurance – Ways to Lower Your Insurance Rates

Motor Home Insurance

If you have a motor home, then you likely have motor home insurance. Anything can happen to motor homes, so you need to be prepared with having coverage just in case the worst should happen. If you have had your motor home for a while, chances are good that you have not price checked policies in a good period of time. You should always check on policy rates at least once a year so that you can make sure you are getting the best deal for the coverage that you need.

One way you can get lower motor home insurance rates is to call your current coverage provider and see what they can do for you. More often than not, insurance companies are willing to work with you on getting a lower rate if they think you are going to switch to another company. After all, they want to keep their loyal customers happy and the best way to do that is to give them a lower rate for the policy they have. You might be able to get them to match a competing provider’s rates as well if you have that information available. Again, they want to keep their customers right where they are, so they are going to do what they can to help you out.

If talking your company into giving you a lower rate for your current motor home insurance coverage does not seem to work, perhaps you can get a cheaper policy. Find out what all of the extras are that come with your policy that does not come with the policy directly under it in price. You just may find that you do not need those extras with your current policy and can switch to the cheaper one instead.

Of course, you can also switch to another company for your motor home insurance. If your current coverage provider will not work with you and the lower priced policy does not have all of the coverage that you need, then you can get quotes online from other insurance companies. You can do this at one website usually. You perform once search and it brings up all of the coverage providers, how much their rates are, and what the coverage includes. They goal is to get cheaper rates, but get the right amount of coverage that you need for your own situation. Do not sacrifice part of coverage just to get a cheaper rate, unless it is a part that you can do without.

Caravan – Finding the Best Caravan Insurance Rates

All employers are required to carry employers’ liability insurance in the event that anything happens to one of their employees while they are on the job. There is no way of getting around this because it is mandatory and, if an employer does not have this type of insurance coverage, they will be fined for every day that they do not have coverage. As you can imagine, this can add up pretty quickly. But, just because you have to carry this type of insurance coverage does not mean that you have to spend too much on getting it. There are ways that you can find cheaper rates.

The first thing you should do when looking for cheaper employers’ liability insurance rates is to talk with your current policy provider. You can discuss with them ways to make the coverage cheaper for you while also still complying with the mandatory law. This will not always work, of course, but it can never hurt to ask. All they can do is say no and then you have to figure out another way to get a cheaper insurance rate.

If you fail to secure a cheaper rate for your employers liability insurance with your current policy provider, then you can go online to see what other providers there are and what they have available. Keep in mind that you have to have the minimum coverage as required by law. There are some websites where you can do one search and they will pull up rate quotes from various policy providers. You will not only be able to compare prices for the policies, but you will also be able to compare the benefits for each policy and pick the better one for your business needs. There are several different websites that do these kinds of searches and they are all free for you to use.

Another way to find a good rate for employers liability insurance is to call several of the companies directly and see if any of them will do price matching on policies. You can tell them that one company offers a specific policy for a certain amount of money and ask them if they can match that rate or beat it. There have been plenty of times when this has worked for employers so that they could get better policy rates for their coverage. And, again, all they can do is say no, so there is no harm in going ahead and asking them.