Forex

Archive for June, 2008

It is not difficult to understand what is whole life insurance, as the name implies, it is a life insurance policy that provides the insured a lifetime protection; it is a type of permanent life insurance. For example, if you bought a whole life insurance, you will have to pay a fixed amount of premium for life instead of the increasable premiums of term life insurance.

How long do we need to pay for a whole life insurance?

There are whole life insurance policies designed to mature at the age of 100, this is the age when premiums end and the cash value equals to the face value of the policy, and this cash value will be paid to the insured. Normally a whole life insurance policy doesn’t specified how long is the maturity, the premiums are calculated by the insured’s age, usually starts at the age when he buys until 85 years old, the male and female could be different because the females have a longer life span than the men. The premium is then calculated, and a fixed amount of premium needs to be paid, whether monthly, quarter yearly, half yearly or yearly.     

As long as the buyer pays the premiums, he will benefit the guaranteed death benefit. Should he die at old age or young, or should he die of accident or illness the life insurance company will pay a lump sum of money to the beneficiary, this amount of money is depended on how much the buyer wants to be insured, if he wants to have a coverage of $100 thousand, the beneficiary will receive a one lump sum of $100 thousand upon his death.

Whole life insurance provides the buyer with cash value, and the buyer can borrows money from the cash value, or if the buyer wished to stop paying the premium for some time, the cash value will pay the premiums automatically, so that the policy will not lapse. But if the cash value has used up, the buyer needs to start paying the premiums again or else the policy will lapse.

Another benefit for whole life insurance is, the coverage is adjustable, and it can be increased. If the initial coverage is $50 thousand, the coverage after some years could be more than $50 thousand. That is to say the insured now has a coverage of more than the initial $50 thousand without paying more on the previously stated premiums.     

Cash value accumulation

Another benefit of whole life insurance is the cash value accumulation. This cash value was built after the buyer paid his premium, this cash value increases each year, and the insurance company will increase the cash value as interest to benefit the policy holder. If the policy holder wants to surrender the policy and get the cash he is entitled to do so, but he will no longer under cover, but normally he is advised not to do so. The buyer has another option that is he can borrow the cash as loan and maintain his policy, so that he is still insured. The cash value taken out is tax-free, and in some countries the premium paid per annum is declarable for tax paying, that is the buyer can reduce his tax payment.  

This tax reduction is another benefit for a life insurance buyer.

Disability benefit

The buyer can add an additional premium rider to his policy, should he become disabled, after six months of that disability the life insurance company will pay the premiums for him, for the rest of his life.

Accidental benefit

Another benefit of whole life insurance is accidental benefit. The buyer can purchases an additional accidental policy, should he become partially or totally disabled, the insurance company will compensate the insured a percentage of payment as specified in the policy. The compensation varies according to individual policies; the buyers are advice to read through thoroughly.

For further definition on what is whole life insurance, life insurance companies and the agents are pleased and obliged to assist their customers, for this policy has been in the market for many years. There are some experienced life insurance agents very well versed on this particular policy, perhaps you can ask them to provide you more information on what is whole life insurance.

You can seek more information on other types of policies, or view our whole life insurance explanation, find out the reasons why this policy can survive almost hundred of years, or read more on this topic by clicking whole life insurance advice. Please feel free to visit us at http://www.indianapolislifeinsurance.net today.

Customer Acquisition is beyond doubt the number one priority for all serious business owners. Whether you’re a merchant or an associate/affiliate of a merchant, your goal is to grow sales. That is why the best in your industry are closely guarding their customer acquisition techniques. Regardless of what they’re telling you, they will not give up their competitive advantage and will hide their techniques and true motives behind “smoke and mirror” tactics.

Things aren’t always what they seem.

Two men are walking in a forest when they come across a deep hole in the ground. “Wow, that must be really deep”, says one man after throwing in a pebble and listening for the sound. “Lets throw in one of those large rocks and see how deep it goes.” The men throw in a football-sized boulder and wait anxiously for the sound… Nothing! “There is a railway sleeper over there in the bushes”, said the other man. “Help me throw it in, it’s definitely going to make a sound”. The two men heave the railway sleeper into the hole and watch it disappear in the darkness…again, Nothing! Suddenly a goat appears from the forest. It runs full speed between the men, leaps into the air and falls into the hole”. Just as the men exchange looks of utter bewilderment, a farmer comes running out from the trees yelling “Hey, have you guys seen a goat around here?” “Sure did”, replied the men. “It was the craziest thing. It ran right past us and leaped into that hole”. “Nah, can’t have been my goat”, said the farmer. “My goat was tied to a railway sleeper”.

The moral of the story is, “Don’t believe what you perceive”. Many successful businesses will guard their customer acquisition secrets by trying to convince you they’ve got to where they are by good honest hard work. Others will distract you by trying to sell you their unique system, packaged and guaranteed to generate you overnight success.

So what are your competitors really doing? Listen closely, I am about to reveal to you, the top 7 schemes they’re using to boost their sales and baffle their industry peers like yourself, making you wonder what the heck you’re doing wrong.

#1) Perception Management. Online businesses in particular are excellent perception managers. You’ve seen them before, professional looking web site with images of sexy sales people ready to take your order. Often however, they’re one-man operations run from the spare bedroom. No insurance, enforced customer privacy, or quality merchant processes. But on the surface, it’s intimidating to competitors and assuring to new customers.

#2) Strategic alliances. Most businesses do not make it on their own. Joint Ventures, and behind the scene business deals are often the true reason for rapid customer acquisition. Alliances are generally only revealed if customer acquisition can be further enhanced through brand alliance.

#3) Puppet Masters. Many businesses are in fact just small branches owned and controlled by a larger third party. They can afford to run without profit while lucratively appearing cost-effective. The business often exists not for profit, but as a strategic tactic to ensure the parent company has a finger in that market segment pie.

#4) Leveraging. Most of today’s technology would not be here without yesterday’s inventions. Imagine your home if plastic was not invented. Business is the same. Competitors will invest their time and money on safe, fast and cost-effective outcomes. Innovating new ways from scratch is risky. Leveraging existing customer acquisition services is favorable. For example, by creating incentives for your customers to recommend you to their network of contacts, is a viral marketing technique that leverages the customers you already have.

#5) Super-leveraging. You cannot use leveraging alone, as your competitor will have the same advantages you have. So unless you have the funds to buy out the customer acquisition service before your competitor discovers it, you need be creative and innovate smart methods before them. These are your intellectual property and competitive advantage, so guard them well. For example a merchant with an affiliate program would super-leverage it using a “customer acquisition exchange” service. This delivers a new sales channel (customer reciprocation) that can be competitively used in many creative ways to boost business.

#6) Intelligence and surveillance. Not only do successful business super-leverage known services for customer acquisition, they also super-leverage as a strategic intelligence move. For instance, online merchants will use Pay Per Click (PPC) advertising services like Google and Overture not to bring customers directly but to learn about their competitors and how much they pay for customer acquisition. Remember, they’re in the game to win and the more they know about their opponent the easier it is to manipulate them.

#7) Precision systems. A market leader will use targeted and measurable strategies. Every element is monitored and adjustable. Through trial and error, your competitor will tweak the customer experience for profit and growth. It is a systematic approach to customer acquisition that successful organizations like McDonalds use to thwart their competition.

So there you have it, just a few of the secret happenings that go on behind the scenes at your competitors business. Look out for more information about how to decipher your competitor’s business model to take the lead.

Regards

Michael Lever

If you are blogging for fun, then you can think of blogging about anything you want. But if you are serious about making money with your blog, them you should choose your blog niche very carefully. When we chose a wrong niche for our blog, that will lead to a unsuccessful blog. Here is the list of mistakes we generally make when choosing a niche for our blog:

1. Highly competitive niche: Some of highest competitive niches are credit cards, loans, insurance, mortgage, internet marketing, blogging, seo, make money, weight loss, health, computers, mobile phones, cameras etc. If you are thinking of blogging about and making money in highly competitive niches like some of niches I mentioned above, you have to remain ready for lots of competition and may have to wait for years for any big results to come in your favor. No doubt, there is lots of money you can make in these niches, but getting on top in these niches is also very difficult. So the key to success with blogging will be choosing a niche with lower amount of competition.
2. Choosing a niche you don’t understand: there are some people who choose to blog about a niche they don’t understand and are not knowledgeable about that niche. No doubt, we can learn about every niche when we spend some time on it. But when you are choosing the niche for your first blog, you should go for a niche you are most knowledgeable and passionate about. When you to chose a niche of your interest, that will help in creating and promoting your website in search engines.
3. Blogging about personal matters: there are some people who start blog with their names or surnames and discuss their personal matters on that blog most of the time. If you are serious about making money with your blog, I would suggest you to choose a topic on which you remain focused on most of the time on your blog like software reviews, digital cameras, Google products, Social media, blogging, seo, affiliate marketing, making money, weight loss etc.
4. Covering lots of niches on the same blog: no doubt you can be knowledgeable about many niches, but don’t cover too many niches in the same blog. Stay focused on a single niche only on a blog. When we try to cover too many niches, you face the problem of how to monetize this blog because we have readers of different interests. And when we blog about a particular niche like money making only on my blog, most of readers on my blog will be interested in money making matters and thus I can monetize my blog more easily.
5. Copying what others are doing: there are some people even who decide their blog niche just because of someone else is able to make some money in that niche without thinking about their interest or knowledge about that niche. You cannot b successful with a blog if you are not passionate about the niche you chosen for your blog.

Learn how to Make Money online Step by Step

Mums Working From Home

You might be trying to earn some extra money for the family while you look after your kids at home. Or you might be trying to earn some extra money after your normal work hours finish. This can be achieved quite easily, thanks to the hundreds of paid survey programs which are appearing from around the internet. These paid survey programs have contracts with bigger companies, to nominate members with the correct demographics to complete surveys and product reviews, so the companies can improve there profits. In the mean time the survey programs make money and so do members completing them, which can be you.

Working Time And How To Join

You can nominate how many surveys and hours per week you can put in, the more the better and the more money. There are literally hundreds of paid survey sites, just enter it into a search engine, or go through other sites that review the highest paying surveys.

http://highestpayingsurveysites.com/

How Much Money Can You Expect To Make?

Its totally up to you, the more survey programs you join the more money you can make. Most people earn part time incomes from just one paid survey program, these programs favour there long term members. So it makes sense to join up with as many survey programs as you possibly can, this way all your eggs aren’t in one basket and you have more chances of success.

With Africa and Asia getting increasing access to the internet the ways to earn money online is going to increase. So its definetely worth it to capitalize on the opportunity.

In order to understand the system known as London Forex Rush, it is necessary to understand that this system works on the Open Range Breakout formula that has been a constant in forex trading for generations. The Open Range Breakout formula is one in which a trader watches market movement and calculates the highs and lows before the trader decides to connect with the prevailing breakout trend, which can move in either direction.

The London market, which is the highest forex trading market in the world, opens at 3 am EST or 8 am London time. The Tokyo market, which is the smallest trading market in forex among the big three, (London, Tokyo and New York) closes between 2 and 3 am EST. For one hour between 3 and 4 am EST the Tokyo and London market overlaps.

By watching the volatility of the Tokyo market, a trader knows to watch the trends on the London exchange in the first two hours of trading. If the Tokyo market has been at an even level with no real volatility and the London market breaks either way into a volatile charge, a trader knows, having set his stop loss, it is safe to trade. If there is no volatility in the Tokyo market and none in the first few hours after the London market opens, a trader should turn off the computer and wait for another day.

Most experts advise that traders time the trailing of their stop loss to the first few hours of the opening of the New York market, which is the second largest forex trading market among the big three. In the opening hours of the New York market, often a break out trade will develop that can determine the forex trend for the day.