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Did You Make The List Of The Worst Passwords? Doesn't it seem like everything we do today requires a password? I would say that forgetting a password is like forgetting your keys, but it's probably worse. We all know how important passwords are, but honestly, strong passwords that are impossible to guess are also impossible to remember. This is why some of our passwords aren't as strong as they need to be. That being said, there is a difference between a weak password and a worthless password. And, far too many people are using worthless passwords. Obviously, no one deserves to be a victim of online fraud or identity theft, but some people are almost inviting criminals to ruin their lives. If you think this is being too harsh, think again. Look at SplashData's Worst Passwords of 2016, which is based on over 5 million passwords that were posted or advertised for sale on the Internet. 123456 password 12345 12345678 football qwerty 1234567890 1234567 princess 1234 This list makes it easy to understand how passwords can be rendered virtually worthless by being weak. It's absurd to think anyone is actually using these passwords, but it's true. Unfortunately, it doesn't look like people are learning their lesson. 123456 and password remain atop the list of worst passwords for the third straight year. Though eight new passwords cracked the top 25 in 2016, including hottie, loveme and flower, seventeen of them made the list in 2015. But wait, it gets even worse. These passwords are actually being used to protect a different kind of sensitive information. The kind of information that the world can know, but a spouse cannot. Millions of passwords were leaked during the Ashley Madison breach. If you thought people would use strong passwords to conceal their infidelity, if not their account numbers, you'd be wrong. Here are the top 5 passwords revealed by the breach: 123456 12345 password DEFAULT 123456789 Passwords are the first line of defense against unauthorized access to our personal and professional lives. Passwords that are memorable are typically weak. They must be strong to be effective. According to Microsoft, a strong password: Is at least eight characters long. Doesn't contain your user name, real name or company name. Doesn't contain a complete word. Is significantly different from previous passwords. Contains uppercase and lowercase characters, numbers and symbols. There are various insurance products specifically designed for identity theft and other cyber threats. Quite frankly, we've gotten to the point where everyone should have this kind of insurance coverage. Nevertheless, even though insurance can help you recover after an incident, preventing incidents from ever happening should still be the goal. To hackers and identity thieves, accounts protected by weak passwords aren't really protected at all. Weak passwords only provide the illusion of security. It's like hanging your spare key from the door knob. What's the point of even having a lock? If you have any questions about the information provided in this article, please visit Setnor Byer Insurance & Risk at http://www.setnorbyer.com or call us at (888) 253-8498. Setnor Byer Insurance & Risk is a full-service Independent Insurance Agency with over 30 years providing attentive and concierge-style service to meet the insurance needs of businesses and individuals throughout the U.S. Our cost-cutting and creative insurance and risk management solutions further enhance the client experience and bring substantive value to the insurance transaction.

Power of Analytics for Insurers to Assist Them With Fraud Analysis The insurance industry strives a lot to win the trust of their customers. Imagine a scenario where the right ones are not rewarded and the wrong ones are rewarded. This leads to chaos or loss of faith in a system. Now the question is 'what breaches the trust utmost'? In any business, it is the money that matters in return for the investment that the customer paid for a service or product. When it comes to insurance, customers expect a reward for the premium they paid. During risks/accidents/deaths they expect the reward from the insurer during the claims process. Because of this reason, claims processing is the most crucial stage for the insurers. It should be seen in the context that, not all those who claim are not genuine ones, but at the same time the genuine claims need to be rewarded. It is at this stage fraud analytics powered insurance processes comes to the aid of insurers. Why is it Important to Detect Fraud? According to FBI, about $45 billion is lost every year in insurance fraud. Handling claims is not a simple process. On the other, it is the most complex process in the insurance processes. Complexities include frequent file transfers, gathering adequate information, sieving misinformation from the right ones, etc. All these contribute to the complexities for the insurers. If the insurance carrier is unable to identify whether the claims are genuine or fraud, it is a foregone conclusion that the insurance carrier will undergo huge loss leading to a chain of losses to other sectors linked with it. Today, customers are looking at quick and quality services. Customers may not like a scenario where more time is required to conduct background checks. Even if the insurers use the best communication to soothe their feeling, customers leaving a sad note or unimpressed, can send wrong feedback on the social media. To avoid all such instances, the answer lies in fraud analytics. Technically speaking with the help of analytics insurance carriers need to integrate data sourced from claims notes, telematics data, social media, OFAC (Office of Foreign Assets Control), weather data etc., inspectors can develop pattern recognition algorithms to speed up the claims process. While developing the algorithms, reliable high-quality data is identified and correctly integrated with all the meta-data labels. The process includes analyzing, filtering and segmenting by a computer-based system that analyses various risks. Ultimately the bottom line is to provide nearly automatic clearance for simple, straightforward cases, and immediate expert attention on the complicated or suspected claims. Analytics also helps in streamlining the internal processes. This will result in saving the valuable time of the customers. If there is a possibility to reduce the waiting period of the customers with fraud analytics, they will hail this as a big success in the service area. Thanks to analytics, today insurance executives are empowered to make informed decisions for strategizing, carving new niche markets, as well as building loyal customers. Fraud analytics is promising for insurance carriers as it has the capability to respond to the evolving insurance industry. According to Coalition Against Insurance Fraud anti-fraud alliance, speaking for customers, fraud accounts for 5-10 percent of claims costs for insurers in U.S. and Canada. Nearly one-third of insurers (32 percent) agree fraud constitute to 20 percent of claims costs. To Pursue Path to Profit Power Insurance Processes with Fraud Analytics For insurance carriers, the main issue is to raise profits amidst tough competition. The facts and figures above mentioned states fraud constitute 20% of claim costs. Take the example of P&C industry to understand the impact of the loss. The insurance Information Institute says that the profit of P&C insurance industry income analysis, from 2010-2014 is $55.5 billion. If 20% can be added as profits through fraud analytics, it will immensely help the industry to contribute to the GDP of the nation benefitting all stakeholders. Therefore insurance carriers who are pursuing to install trust in their customers must power insurance processes with fraud analytics. PRIME's new Policy Administration System is a SaaS-based claims administration software designed with the latest technology, for property and casualty insurers of all sizes around the world. Supporting such standard practices as quoting, new business, and a multitude of other standard necessities for carriers, PrimePAS also offers its users a beautifully customizable insurance policy administration software - so you can tailor each aspect to your business's specific needs. for more information visit us at http://www.primepas.com

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Casey Murphy Forex Tutorial: Introduction to Currency Trading Forex Tutorial: What is Forex Trading? Forex Tutorial: Reading a Forex Quote and Understanding the Jargon Forex Tutorial: Foreign Exchange Risk and Benefits Forex Tutorial: Forex History and Market Participants Forex Tutorial: Economic Theories, Models, Feeds & Data Forex Tutorial: Fundamental Analysis & Fundamentals Trading Strategies Forex Tutorial: Technical Analysis & TechnicaI Indicators Forex Tutorial: How To Trade & Open A Forex Account Forex Tutorial: Currency Trading Summary What Is Forex? The foreign exchange market is the "place" where currencies are traded. Currencies are important to most people around the world, whether they realize it or not, because currencies need to be exchanged in order to conduct foreign trade and business. If you are living in the U.S. and want to buy cheese from France, either you or the company that you buy the cheese from has to pay the French for the cheese in euros (EUR). This means that the U.S. importer would have to exchange the equivalent value of U.S. dollars (USD) into euros. The same goes for traveling. A French tourist in Egypt can't pay in euros to see the pyramids because it's not the locally accepted currency. As such, the tourist has to exchange the euros for the local currency, in this case the Egyptian pound, at the current exchange rate. The need to exchange currencies is the primary reason why the forex market is the largest, most liquid financial market in the world. It dwarfs other markets in size, even the stock market, with an average traded value of around U.S. $2,000 billion per day. (The total volume changes all the time, but as of August 2012, the Bank for International Settlements (BIS) reported that the forex market traded in excess of U.S. $4.9 trillion per day.) One unique aspect of this international market is that there is no central marketplace for foreign exchange. Rather, currency trading is conducted electronically over-the-counter (OTC), which means that all transactions occur via computer networks between traders around the world, rather than on one centralized exchange. The market is open 24 hours a day, five and a half days a week, and currencies are traded worldwide in the major financial centers of London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris and Sydney - across almost every time zone. This means that when the trading day in the U.S. ends, the forex market begins anew in Tokyo and Hong Kong. As such, the forex market can be extremely active any time of the day, with price quotes changing constantly. Spot Market and the Forwards and Futures Markets There are actually three ways that institutions, corporations and individuals trade forex: the spot market, the forwards market and the futures market. The forex trading in the spot market always has been the largest market because it is the "underlying" real asset that the forwards and futures markets are based on. In the past, the futures market was the most popular venue for traders because it was available to individual investors for a longer period of time. However, with the advent of electronic trading and numerous forex brokers, the spot market has witnessed a huge surge in activity and now surpasses the futures market as the preferred trading market for individual investors and speculators. When people refer to the forex market, they usually are referring to the spot market. The forwards and futures markets tend to be more popular with companies that need to hedge their foreign exchange risks out to a specific date in the future. What is the spot market? More specifically, the spot market is where currencies are bought and sold according to the current price. That price, determined by supply and demand, is a reflection of many things, including current interest rates, economic performance, sentiment towards ongoing political situations (both locally and internationally), as well as the perception of the future performance of one currency against another. When a deal is finalized, this is known as a "spot deal". It is a bilateral transaction by which one party delivers an agreed-upon currency amount to the counter party and receives a specified amount of another currency at the agreed-upon exchange rate value. After a position is closed, the settlement is in cash. Although the spot market is commonly known as one that deals with transactions in the present (rather than the future), these trades actually take two days for settlement. What are the forwards and futures markets? Unlike the spot market, the forwards and futures markets do not trade actual currencies. Instead they deal in contracts that represent claims to a certain currency type, a specific price per unit and a future date for settlement. In the forwards market, contracts are bought and sold OTC between two parties, who determine the terms of the agreement between themselves. In the futures market, futures contracts are bought and sold based upon a standard size and settlement date on public commodities markets, such as the Chicago Mercantile Exchange. In the U.S., the National Futures Association regulates the futures market. Futures contracts have specific details, including the number of units being traded, delivery and settlement dates, and minimum price increments that cannot be customized. The exchange acts as a counterpart to the trader, providing clearance and settlement. Both types of contracts are binding and are typically settled for cash for the exchange in question upon expiry, although contracts can also be bought and sold before they expire. The forwards and futures markets can offer protection against risk when trading currencies. Usually, big international corporations use these markets in order to hedge against future exchange rate fluctuations, but speculators take part in these markets as well. Note that you'll see the terms: FX, forex, foreign-exchange market and currency market. These terms are synonymous and all refer to the forex market. Forex Tutorial: Technical Analysis & TechnicaI Indicators By Casey Murphy SHARE Forex Tutorial: Introduction to Currency Trading Forex Tutorial: What is Forex Trading? Forex Tutorial: Reading a Forex Quote and Understanding the Jargon Forex Tutorial: Foreign Exchange Risk and Benefits Forex Tutorial: Forex History and Market Participants Forex Tutorial: Economic Theories, Models, Feeds & Data Forex Tutorial: Fundamental Analysis & Fundamentals Trading Strategies Forex Tutorial: Technical Analysis & TechnicaI Indicators Forex Tutorial: How To Trade & Open A Forex Account Forex Tutorial: Currency Trading Summary One of the underlying tenets of technical analysis is that historical price action predicts future price action. Since the forex is a 24-hour market, there tends to be a large amount of data that can be used to gauge future price activity, thereby increasing the statistical significance of the forecast. This makes it the perfect market for traders that use technical tools, such as trends, charts and indicators. (To learn more, see Introduction to Technical Analysis and Charting Your Way To Better Returns.) It is important to note that, in general, the interpretation of technical analysis remains the same regardless of the asset being monitored. There are literally hundreds of books dedicated to this field of study, but in this tutorial we will only touch on the basics of why technical analysis is such a popular tool in the forex market. As the specific techniques of technical analysis are discussed in other tutorials, we will focus on the more forex-specific aspects of technical analysis. Technical Analysis Discounts Everything; Especially in Forex Minimal Rate Inconsistency There are many large players in the forex market, such as hedge funds and large banks, that all have advanced computer systems to constantly monitor any inconsistencies between the different currency pairs. Given these programs, it is rare to see any major inconsistency last longer than a matter of seconds. Many traders turn to forex technical analysis because it presumes that all the factors that influence a price - economic, political, social and psychological - have already been factored into the current exchange rate by the market. With so many investors and so much money exchanging hands each day, the trend and flow of capital is what becomes important, rather than attempting to identify a mispriced rate. Trend or Range One of the greatest goals of technical traders in the FX market is to determine whether a given pair will trend in a certain direction, or if it will travel sideways and remain range-bound. The most common method to determine these characteristics is to draw trend lines that connect historical levels that have prevented a rate from heading higher or lower. These levels of support and resistance are used by technical traders to determine whether or not the given trend, or lack of trend, will continue. Generally, the major currency pairs - such as the EUR/USD, USD/JPY, USD/CHF and GBP/USD - have shown the greatest characteristics of trend, while the currency pairs that have historically shown a higher probability of becoming range-bound have been the currency crosses (pairs not involving the U.S. dollar). The two charts below show the strong trending nature of USD/JPY in contrast to the range-bound nature of EUR/CHF. It is important for every trader to be aware of the characteristics of trend and range, because they will not only affect what pairs are traded, but also what type of strategy should be used. (To learn more about this subject, see Trading Trend Or Range?) FXTutorialFigure1.gif Graph created by E-Signal. Figure 1 FXTutorialFigure2.gifGraph created by E-Signal. Figure 2 Common Indicators Technical traders use many different indicators in combination with support and resistance to aid them in predicting the future direction of exchange rates. Again, learning how to interpret various forex technical indicators is a study unto itself and goes beyond the scope of this forex tutorial. If you wish to learn more about this subject, we suggest you read our technical analysis tutorial. A few indicators that we feel we should mention, due to their popularity, are: Bollinger Bands®, Fibonacci retracement, moving averages, moving average convergence divergence (MACD) and stochastics. These technical tools are rarely used by themselves to generate signals, but rather in conjunction with other indicators and chart patterns. For more on technical analysis and the forex, take a look at the following articles: Using Bollinger Band® "Bands" To Gauge Trends, Trading Double Tops And Double Bottoms, Introducing The Bearish Diamond Formation, Keep An Eye On Momentum and Consolidation - Trade The Calm, Profit From The Storm. Forex Tutorial: How To Trade & Open A Forex Account Read more: Forex Tutorial: Technical Analysis & TechnicaI Indicators https://wwwinvestopediacom/university/forexmarket/forex7.asp#ixzz5AqiIvvwi Follow us: Investopedia on Facebooksoftware untuk mengakses internet, plasa hosting, jasa pembuatan website iklan baris, spesifikasi komputer server, kumpulan software komputer, pengertian klaim asuransi, webhost indonesia, asuransi islam, dedicated server indonesia, pengertian premi asuransi, atlas indonesia, pengertian asuransi syariah, web hosting terbaik di indonesia , perusahaan keuangan di indonesia, hosting web 10 Easy Steps to Succeed in Your Online Classes Blog ini Berisi tentang segala berita ter update dan terbaru dan banyak sekali artikel bermanfaat didalamnya yang akan selalu menambah pengetahuan serta menambah wawasan anda sekalian selamat datang di blog sederhana nan penuh dengan informasi terkini Forex Tutorial What is Forex Trading Casey Murphy Introduction to Currency Trading What is Forex Trading Reading a Forex Quote and Understanding the Jargon Foreign Exchange Risk and Benefits Forex History and Market Participants Economic Theories, Models, Feeds and Data Fundamental Analysis and Fundamentals Trading Strategies Technical Analysis and TechnicaI Indicators How To Trade and Open A Forex Account Forex Tutorial Currency Trading Summary What Is Forex The foreign exchange market is the place where currencies are traded.Currencies are important to most people around the world, whether they realize it or not, because currencies need to be exchanged in order to conduct foreign trade and business. If you are living in the U.S. and want to buy cheese from France, either you or the company that you buy the cheese from has to pay the French for the cheese in euros EUR. This means that the U.S. importer would have to exchange the equivalent value of U.S. dollars USD into euros. The same goes for traveling. A French tourist in Egypt cant pay in euros to see the pyramids because its not the locally accepted currency. As such, the tourist has to exchange the euros for the local currency, in this case the Egyptian pound, at the current exchange rate. The need to exchange currencies is the primary reason why the forex market is the largest, most liquid financial market in the world. It dwarfs other markets in size, even the stock market, with an average traded value of around U.S. 2,000 billion per day. The total volume changes all the time, but as of August 2012, the Bank for International Settlements BIS reported that the forex market traded in excess of U.S. 4.9 trillion per day. One unique aspect of this international market is that there is no central marketplace for foreign exchange. Rather, currency trading is conducted electronically overthecounter OTC, which means that all transactions occur via computer networks between traders around the world, rather than on one centralized exchange. The market is open 24 hours a day, five and a half days a week, and currencies are traded worldwide in the major financial centers of London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris and Sydney across almost every time zone. This means that when the trading day in the U.S. ends, the forex market begins anew in Tokyo and Hong Kong. As such, the forex market can be extremely active any time of the day, with price quotes changing constantly. Spot Market and the Forwards and Futures Markets There are actually three ways that institutions, corporations and individuals trade forex the spot market, the forwards market and the futures market. The forex trading in the spot market always has been the largest market because it is the underlying real asset that the forwards and futures markets are based on. In the past, the futures market was the most popular venue for traders because it was available to individual investors for a longer period of time. However, with the advent of electronic trading and numerous forex brokers, the spot market has witnessed a huge surge in activity and now surpasses the futures market as the preferred trading market for individual investors and speculators. When people refer to the forex market, they usually are referring to the spot market. The forwards and futures markets tend to be more popular with companies that need to hedge their foreign exchange risks out to a specific date in the future. What is the spot market More specifically, the spot market is where currencies are bought and sold according to the current price. That price, determined by supply and demand, is a reflection of many things, including current interest rates, economic performance, sentiment towards ongoing political situations both locally and internationally, as well as the perception of the future performance of one currency against another. When a deal is finalized, this is known as a spot deal. It is a bilateral transaction by which one party delivers an agreedupon currency amount to the counter party and receives a specified amount of another currency at the agreedupon exchange rate value. After a position is closed, the settlement is in cash. Although the spot market is commonly known as one that deals with transactions in the present rather than the future, these trades actually take two days for settlement. What are the forwards and futures markets Unlike the spot market, the forwards and futures markets do not trade actual currencies. Instead they deal in contracts that represent claims to a certain currency type, a specific price per unit and a future date for settlement. In the forwards market, contracts are bought and sold OTC between two parties, who determine the terms of the agreement between themselves. In the futures market, futures contracts are bought and sold based upon a standard size and settlement date on public commodities markets, such as the Chicago Mercantile Exchange. In the U.S., the National Futures Association regulates the futures market. Futures contracts have specific details, including the number of units being traded, delivery and settlement dates, and minimum price increments that cannot be customized. The exchange acts as a counterpart to the trader, providing clearance and settlement. Both types of contracts are binding and are typically settled for cash for the exchange in question upon expiry, although contracts can also be bought and sold before they expire. The forwards and futures markets can offer protection against risk when trading currencies. Usually, big international corporations use these markets in order to hedge against future exchange rate fluctuations, but speculators take part in these markets as well. Note that youll see the terms FX, forex, foreignexchange market and currency market. These terms are synonymous and all refer to the forex market. One of the underlying tenets of technical analysis is that historical price action predicts future price action. Since the forex is a 24hour market, there tends to be a large amount of data that can be used to gauge future price activity, thereby increasing the statistical significance of the forecast. This makes it the perfect market for traders that use technical tools, such as trends, charts and indicators. To learn more, see Introduction to Technical Analysis and Charting Your Way To Better Returns. It is important to note that, in general, the interpretation of technical analysis remains the same regardless of the asset being monitored. There are literally hundreds of books dedicated to this field of study, but in this tutorial we will only touch on the basics of why technical analysis is such a popular tool in the forex market. As the specific techniques of technical analysis are discussed in other tutorials, we will focus on the more forexspecific aspects of technical analysis. Technical Analysis Discounts Everything Especially in Forex Minimal Rate Inconsistency There are many large players in the forex market, such as hedge funds and large banks, that all have advanced computer systems to constantly monitor any inconsistencies between the different currency pairs. Given these programs, it is rare to see any major inconsistency last longer than a matter of seconds. Many traders turn to forex technical analysis because it presumes that all the factors that influence a price economic, political, social and psychological have already been factored into the current exchange rate by the market. With so many investors and so much money exchanging hands each day, the trend and flow of capital is what becomes important, rather than attempting to identify a mispriced rate. Trend or Range One of the greatest goals of technical traders in the FX market is to determine whether a given pair will trend in a certain direction, or if it will travel sideways and remain rangebound. The most common method to determine these characteristics is to draw trend lines that connect historical levels that have prevented a rate from heading higher or lower. These levels of support and resistance are used by technical traders to determine whether or not the given trend, or lack of trend, will continue. Generally, the major currency pairs such as the EURUSD, USDJPY, USDCHF and GBPUSD have shown the greatest characteristics of trend, while the currency pairs that have historically shown a higher probability of becoming rangebound have been the currency crosses pairs not involving the U.S. dollar. The two charts below show the strong trending nature of USDJPY in contrast to the rangebound nature of EURCHF. It is important for every trader to be aware of the characteristics of trend and range, because they will not only affect what pairs are traded, but also what type of strategy should be used. To learn more about this subject, see Trading Trend Or Range Technical traders use many different indicators in combination with support and resistance to aid them in predicting the future direction of exchange rates. Again, learning how to interpret various forex technical indicators is a study unto itself and goes beyond the scope of this forex tutorial. If you wish to learn more about this subject, we suggest you read our technical analysis tutorial. A few indicators that we feel we should mention, due to their popularity, are Bollinger Bands®, Fibonacci retracement, moving averages, moving average convergence divergence MACD and stochastics. These technical tools are rarely used by themselves to generate signals, but rather in conjunction with other indicators and chart patterns. For more on technical analysis and the forex, take a look at the following articles Using Bollinger Band® Bands To Gauge Trends, Trading Double Tops And Double Bottoms, Introducing The Bearish Diamond Formation, Keep An Eye On Momentum and Consolidation Trade The Calm, Profit From The Storm. Forex Tutorial How To Trade and Open A Forex Account Insurance What is Insurance Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients risks to make payments more affordable for the insured. Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property, or from liability for damage or injury caused to a third party. ASSESSABLE POLICY INSURANCE CLAIM ULTIMATE NET LOSS COMMERCIAL LINES INSURANCE BREAKING DOWN Insurance There are a multitude of different types of insurance policies available, and virtually any individual or business can find an insurance company willing to insure them, for a price. The most common types of personal insurance policies are auto, health, homeowners, and life. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by law. Businesses require special types of insurance policies that insure against specific types of risks faced by the particular business. For example, a fast food restaurant needs a policy that covers damage or injury that occurs as a result of cooking with a deep fryer. An auto dealer is not subject to this type of risk but does require coverage for damage or injury that could occur during test drives. There are also insurance policies available for very specific needs, such as kidnap and ransom KandR, medical malpractice, and professional liability insurance, also known as errors and omissions insurance. Insurance Policy Components When choosing a policy, it is important to understand how insurance works. Three important components of insurance policies are the premium, policy limit, and deductible. A firm understanding of these concepts goes a long way in helping you choose the policy that best suits your needs. A policys premium is simply its price, typically expressed as a monthly cost. The premium is determined by the insurer based on your or your business risk profile, which may include creditworthiness. For example, if you own several expensive automobiles and have a history of reckless driving, you will likely pay more for an auto policy than someone with a single midrange sedan and a perfect driving record. However, different insurers may charge different premiums for similar policies so, finding the price that is right for you requires some legwork. The policy limit is the maximum amount an insurer will pay under a policy for a covered loss. Maximums may be set per period e.g. annual or policy term, per loss or injury, or over the life of the policy, also known as the lifetime maximum. Typically, higher limits carry higher premiums. For a general life insurance policy, the maximum amount the insurer will pay is referred to as the face value, which is the amount paid to a beneficiary upon the death of the insured. The deductible is a specific amount the policyholder must pay outofpocket before the insurer pays a claim.Deductibles serve as deterrents to large volumes of small and insignificant claims. Deductibles can apply perpolicy or perclaim depending on the insurer and the type of policy. Policies with very high deductibles are typically less expensive because the high outofpocket expense generally results in fewer small claims. In regards to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles. Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the tradeoff. Individuals and businesses are likely to be familiar with large insurance companies that provide a variety of different types of policies. In some cases, however, a group of businesses may pool funds together and form a corporation specifically to purchase insurance coverage for the group. The corporation formed is called a mutual company or mutual insurance company, and allows members to obtain insurance coverage at a cheaper rate than if they sought coverage on their own. Most insurance policies are considered nonassessable policies, and are owned by stockholders rather than by policyholders as in the case of a mutual insurance company. A nonassessable policy limits the liability of the policyholder to the amount of premium owed on the policy. If the insurer is unable to cover losses resulting from claims it must find funds from other sources, including its investments. Because utilizing investment income and other assets to cover losses means that the insurer will be less profitable, the insurance companyUSDs stockholders will ultimately be forced to absorb losses. State insurance regulators may place limitations on insurers that provide nonassessable policies. Such limitations typically apply to the amount of reserves that the insurer must set aside to cover liabilities, the type and number of policies it is allowed to underwrite, and the type of investments that it can invest its dividends in. The reason for the limitations are to ensure that the insurer is able to effectively cover its liabilities with liquid assets, since it is not allowed to demand additional funds from policyholders in order to make up for losses. Whether youre a new parent, a working spouse, or even an empty nester, life insurance could play a crucial role in your familys financial wellbeing if the unthinkable happens. Term life insurance is one way to get your family covered without spending a fortune. People often think life insurance is too expensive or they cant afford it because of other financial priorities, such as paying off debt or saving for retirement. However, depending on your age and the amount of coverage you need, term life insurance could cost you less than USD1 a day. Consistently consumers have told our researchers they believe they cant afford life insurance, but when we dug deeper, our research showed that many overestimate the cost by as much as 300 percent, says Robert Kerzner, LIMRAs president and chief executive officer. According to LIMRAs 2016 Trends in Life Insurance Ownership study and LIMRAs 2017 Insurance Barometer Study 30 percent of households dont have life insurance 20 percent of households with children under age 18 dont have life insurance 43 percent of families without life insurance say they would be in immediate financial trouble if a primary wage earner died If these sound like you, term life insurance could be a lowcost option to get coverage. Lets walk through term life and see if its right for you. What is term life insurance Term life insurance covers you for a set period, such as 10, 15, 20 or 30 years, and will pay your loved ones the face value of your policy if you die during that time. So if you purchase a 20year term, USD250,000 life insurance policy, and you die five years later, your beneficiaries would receive the USD250,000. The benefit ends after 20 years. Life insurance is cheaper when youre younger, so if you purchase it when youre in your 20s, your premiums will be much lower than if you wait until youre in your 40s. Thats one of the reasons its important to figure out in advance how long youll need the coverage. Youll end up paying higher rates if you decide to renew later because your age is a key factor in setting rates. Plus, youll likely have to go for a medical exam or answer questions about your health. If youre in poor health, your rates will be even higher, or you may find that you might not qualify for a term life insurance policy. You may have life insurance through your job or an organization. However, you may find these plans dont cover your needs. In that case, youll need to supplement your policy with individual coverage. Also, youll lose that group life insurance benefit if you leave your job. One reason some people may shy away from term life is that you pay premiums, but dont get any of that money back if you outlive the policy. There is an option in that case. Returnofpremium term life policies repay you the amount you paid in for coverage. However, those plans cost much more than regular term life policies. Another consideration is convertibility, which allows you to convert your term life policy to permanent life insurance without having to answer questions about your health. Some term policies let you make the switch within the first few years after youve obtained coverage. Other policies allow you to make the change at almost any time that you have the policy. Medical exams for term life insurance A medical exam may be required when applying for a standard term life insurance policy. The exam will cover your height, weight, medical history, smoking habits and include a blood and urine test. These tests will look for specific medical problems. The results of the tests may hinder you from getting approved for the insurance, or increase your rates, depending on the outcome. See How to ace your medical insurance exam. If that worries you, there is a term life insurance policy that doesnt require a medical exam. Guaranteed issue term life insurance coverage, also known as quick issue or simplified issue, is ideal if you have difficulty finding life insurance due to a medical condition or illness. You pay a higher premium because no medical exam is required. The insurance company views this as risky, so you pay more. The insurer may also have a waiting period before coverage takes effect, and may charge a yearly fee. How much term life insurance do you need A good starting point if you want to determine how much coverage youll need and how much you might pay is the life insurance calculator on LifeHappens.org. The website of the nonprofit organization Life Happens educates the public on life, disability and longterm care insurance. When deciding on how much life insurance you need, think about Funeral costs How much it will cost to replace your income The services that you provide your family, such as child care your outstanding debts, such as mortgages, credit card bills and loans Longterm financial commitments, such as paying for your childs college Once you figure out what your family might need financially, you can start figuring out if you need extras or riders on your policy. Term life extras and riders Term life policies can include extra features or riders. For example, your policy may include an accelerated death benefit. This type of rider lets people who are terminally ill, have a chronic illness or in longterm care tap into life insurance, while still leaving your loved ones with the remaining life insurance benefits. You also may receive a disability waiver of premium, which grants you a waiver on paying your premiums if youre disabled for at least six months. And some policies offer double or triple the payout if the death is an accident. Online College Success 10 Best Tips Online College SuccessWading into the waters of online education for the first time can pose unique challenges and take some getting used to for the uninitiated. There will likely be a learning curve, especially for those who are not technologically savvy. This article is designed to help you get your feet wet and guide you along with 10 helpful tips for online college success as you steadily immerse yourself into the online college experience. Online College Success 10 Best Tips 1. Self Determination As with traditional campusbased education, self determination is just as much of a key factor to success in online education. Education should be viewed as a means to improve your self and your circumstances it can be the key that unlocks all the doors. Develop a keen sense of self determination and self reliance, and that will help overcome whatever initial obstacles that may be faced in beginning an online education. 2. Gather All Resources Colleges that offer online programs know what is required to assist its students in succeeding in education, and as such, they offer many tools and resources which should be utilized. There are support teams such as tutors for help with coursework, technical supports, chat rooms in which students can communicate with fellow students and professors, online libraries, ebooks for textbooks which makes referencing much easier and ebooks are less expensive than textbooks, and other webbased options. It is important to be familiar with all of the means of help and the support system available to as a key aspect to online college success. 3. Understand Degree Program Options Probably the most important question to decide is what degree you want to get. If you have certain schools in mind, see what degrees the schools offer. For instance, Capella University offers degrees in marketing, business, finance, nursing, criminal justice, counseling, and others, with different concentrations in each subject. 4. Become Technologically Savvy Part of your success in taking online classes will rely on your ability to navigate various computer softwares, and it is important that you familiarize yourself with this technology, such as Blackboard. Also, the various resources that will be at your fingertips, such as chat rooms, tutors, etc., will be online in various software formats. You should be able to concentrate on the school work itself and not have any additional learning curve in using the relevant software that online college requires. Online College Success5. Effective Time Management While it is true that much online college coursework offers more flexibility than traditional college coursework, time management is still an important part of success. There are still deadlines and due dates for the coursework, and mapping out and scheduling the work accordingly can help greatly. A calendar and schedule is important to keep preferably on your smart phone or in some format that is always accessible and can be updated as necessary. 6. Begin Small As with any new experience and endeavor, start small and take some time to learn how the process works. Take just a few classes at first. Do not overburden or overwhelm yourself with too many classes and responsibilities. In this regard it may behoove you to take the first class in a summer semester and see how well you adjust and like program. 7. Write Well and Proofread Your Work Since a large part of online coursework will be in written form, there is an opportunity to submit wellwritten, polished work that will positively impact your grades. Good grammar and correct punctuation will help convey your message accurately, and its always a good idea to be clear and concise in your writing. I suggest reading Write to the Point by Bill Stott for direction in good writing. Online College Success8. Make Good Use of Downtime In online courses there isnt always going to be immediate feedback on your assignments that youve submitted, so while you are waiting try to use your time wisely. Dont spend excessive amounts of time watching television or playing games when you could be getting a head start in reading or writing for next weeks assignments it will only improve your grades by giving you time to learn and anticipate the next assignments. 9. Communicate Effectively with Faculty and Students A good understanding of the coursework and expectations of the professors is crucial to passing and making good grades in any given course. Since inperson communication is not an option, make use of email, chats, forums, and other formats to communicate with fellow students and professors if you have any questions and need any clarification. In this way you can avoid misunderstandings from the outset, greatly enhancing your online college success. 10. Make School Routine As with other aspects of life, we often learn by doing, and in doing we get most proficient when we get into a routine. The same is true for online education. It is best to determine what time of day and where you are most productive and can give your full attention to the coursework, and make that a habit. Online College SuccessIt will become evident that online courses are not vastly different from traditional education. You will find that most things are shared in common, only it is predominantly the means by which information is transferred that is different. Following the 10 best tips for online college success guidelines above will bring effective online education and avoid some initial challenges. Step 7 Seek Support from Your Employer People do not handle going back to school in the same way. Some are very excited about being a college kid, so they tell the world about their new online courses. Others are embarrassed that they do not have a formal education.The latter tend to keep quiet that they are going to college online because they do not want to draw attention to the fact that they have not yet earned a college degree. You would be surprised to learn how many highly successful people nearing retirement age go through their entire careers without the aid of a college degree Keeping quiet about college will make it difficult for you to garner support at work. For example, you may need to leave work 15 minutes early on Wednesdays to attend your required online class chat session.Many employers will subsidize at least a part of employees tuition and training bills. Dont forget to ask about tuition assistance plans at your place of employment. If you work for a small company, try asking for tuition assistance to cover the expense of specific online courses that may directly correlate to your work. software untuk mengakses internet, plasa hosting, jasa pembuatan website iklan baris, spesifikasi komputer server, kumpulan software komputer, pengertian klaim asuransi, webhost indonesia, dedicated server indonesia, pengertian premi asuransi, atlas indonesia, pengertian asuransi syariah, web hosting terbaik di indonesia perusahaan keuangan di indonesia,hosting web About the Author Vicky Phillips was cited in 2009 by US News and World Report as for 20 years the leading consumer advocate for online college students. In 1989 she designed Americas first online counseling center for distance learners on AOL. In 1998 she authored the first print guide to online graduate degrees Best Distance Learning Graduate Schools put out by the Princeton Review. In 2001 she authored Never Too Late to Learn the Adult Students Guide to College. Tips to a Successful Online College Experience Online learning is a new revolution in education. More and more schools now offer extensive catalogs of distance learning programs. From undergraduate to doctoral, you can earn a degree from an accredited college or university in a variety of subjects without stepping foot in a classroom. But online learning requires more than an Internet connection. In order to be successful in this new educational environment, youll need to plan carefully and be wellorganized from the start. Our list of 15 tips will help you make the most of your time online as a student and beyond Tip 1 Decide if Online Learning is for You Before you apply to an online program, make sure you know what online learning is all about. Its not for everyone Is facetoface interaction with teachers and classmates important to you Some students find they learn better in a physical classroom while others are comfortable learning independently. How good are you at managing your time Online learning requires high autonomy and high accountability. Tip 2 Find an Accredited School Accreditation is one of the most important factors in choosing an online school. It can mean the difference between earning a legitimate degree and one thats worthless and gets you nowhere. The accreditation database brought to you by the U.S. Department of Education can help prevent a costly mistake. Other accreditation databases include Accrediting Council for Independent Colleges and Schools Accrediting Commission of Career Schools and Colleges of Technology Accrediting Council for Continuing Education and Training Council on Occupational Education Distance Education and Training Council Tip 3 Choose the Right Program Accreditation and program assessment go hand in hand. Make sure you research each degree program carefully before making a decision. Enrolling in a program that does not relate to your career aspirations is a time and moneysink. We provide a list of top online colleges to help start your search. Tip 4 Meet the System Requirements An absolute must Make sure your computer meets the system requirements for all of your elearning courses. Check your computer – is it up to date Or is your box an old clunker running on fumes Call your school to verify that your computer is uptodate and ready to handle all the applications and data flow with acceptable performance. Windows Users Microsoft Internet Explorer 7.0 or higher, or Mozilla Firefox 3.0 or higher Mac OS Users Safari 3.0, or higher, or Mozilla Firefox 3.0 or higher Tip 6 Meet the Software Requirements Youll also be expected to meet specific software requirements. At a minimum, youll likely need the following Word processing software such as Google Docs, Microsoft Word, or OpenOffice Adobe Reader for Windows or Schubertit PDF Reader for Mac Presentation software such as Google Docs, Microsoft PowerPoint, or OpenOffice Tip 7 Ensure Reliable Internet Access While you might think duh, thats obvious, a reliable Internet connection is not always available in your area or deemed too expensive. Youll need to have a cable modem or a fast DSL connection in order to connect to your courses. Reliable is the key word here. If your Internet connection has a tendency to crash your browser or drop altogether, youll need to diagnose the source of a problem or find a new way to access the Web. Tip 8 Find the Right Study Environment Study space has a direct impact on study effectiveness. If youre home office is the family living room, you may find it hard to focus. Evaluate your current study locations to find the best spot to access the Internet, complete your assignments, and connect with your classmates and teachers. A quiet area with good lighting, comfortable seating, and enough space to spread out your books and papers can make all the difference in how productive you are. Tip 9 Participate, Participate, Participate Distance learning doesnt mean youre on your own. You dont have to study in isolation. In fact, you have all the support you need, if you take full advantage of it. Participate in online group forums and chats to stay connected with your peers and instructors. Discussion is a big part of learning, whether online or facetoface. Tip 10 Take Advantage of Student Services Think of Blackboard, Angel, or whatever learning management system your school uses as a college campus. Youll have access to a variety of student services, not the least of which includes library and bookstore Tip 11 Log On Each Day Log on to your courses a few times a day to read announcements and check the discussion board. This way youre always in the loop and uptodate with the latest news and events. Tip 12 Think Responses Through Before Posting This may seem like a nobrainer, but sometimes we click send or post too fast without reading through our comments. Be detailed and thoughtful and think responses through before posting. Tip 13 Stay Committed Commitment is critical and a commitment to your online learning experience requires you to Ask questions Be an active learner Think critically Set aside time Do your homework Tip 14 Embrace the Experience Youre part of a new and exciting chapter in education. With cuttingedge technology and rich online media, online learning offers you the ability to attend class on your own. Embrace this new platform with an open mind and heart for learning. Tip 15 Evaluate Your Courses When its all said and done, provide feedback – good and bad. Teachers and administrators want to know about your elearning experience. Consider the following when submitting your evaluations online organization and design instructional design and delivery faculty use of student feedback innovative teaching with technology learner support and access to resources Search for online degrees Mesothelioma Law Firm For decades, mesothelioma, a lifethreatening disease that can affect the lungs, abdomen, and several other major organs, has been linked to prolonged exposure to asbestos, resulting in many people seeking a mesothelioma law firm to get justice and help them cover the overwhelming expenses associated with the disease. Typically, mesothelioma victims were exposed to asbestos while working at a job site that used asbestoscontaining materials ACMs. In many cases, the manufacturers of asbestos and ACMs knew of the hidden dangers and risks of asbestos, yet failed to inform the public, as asbestos was an extremely profitable mineral. Because of the hindrance of information, workers who developed health issues from asbestos exposure may be eligible for financial compensation to cover expenses such as lost wages, medical bills, emotional suffering, physical pain, and more. If you suffer from mesothelioma, asbestosrelated lung cancer, or asbestosis, you may be eligible for a large amount of compensation. Currently, there is over 30 billion in asbestos trust funds, set up for those who have been diagnosed with an asbestosrelated illness. Fill out our form to receive our free Financial Compensation Packet. Our packet is loaded with information on leading mesothelioma attorneys in your area, how to file a claim for asbestos trust funds, how to get paid in 90 days, and more. What Does a Mesothelioma Law Firm Do Law firms specializing in mesothelioma are different from any other type of law firm. Whereas other firms may specialize in areas like car accidents or nursing home abuse, mesothelioma law firms focus primarily on mesothelioma and other asbestosrelated diseases. Its not recommended to retain legal representation from a general practice law firm or even a personal injury firm that specializes in a wide array of injury cases. Youll need an attorney who specifically specializes in mesothelioma cases, as these types of lawsuits are extremely intricate and require vast, indepth understanding of asbestos exposure and diseases. Attorneys at these law firms have knowledge and experience regarding federal and state laws concerning asbestos use and its history in the workforce. They also have sharp investigative skills and are able to dig deep to uncover when and where companies andor other entities exposed workers to asbestos. Additionally, these law firms are comprised of educated attorneys who understand the legal process involving courts, trials, settlements, and appeals. review of Our Services Dale R.When dad was diagnosed with mesothelioma, our world was turned upside down. Not knowing what to do next, I researched and interviewed many firms. Some firms were nothing more than marketers. Others offered up call screeners to take my name and number. And then there was Mesothelioma Lawyer Center. It was with them that I found peace, knowledge and professionalism. They have done everything they said they would do and then some. Contacting Mesothelioma Lawyer Center was the best decision I could have made for my family. Dale R. Moreover, an experienced firm understands that the victim is already suffering enough because of the medical and financial problems associated with asbestosrelated diseases. As a result, the firm will handle most everything regarding the lawsuit, including fighting for the legal rights of the client, interviewing witnesses, obtaining medical history, litigation, and more. An experienced law firm also understands the severe emotional impact that living with mesothelioma brings, not only to victims, but to family members and loved ones as well. An good firm takes this into account and helps ease the minds of victims and their loved ones throughout this enduring process. What Should I Look for When Hiring an Asbestos Law Firm Unfortunately, not all law firms specializing in mesothelioma are the same. While some may have several years of experience, other firms are relatively new to the area of mesothelioma. In addition, some law firms may concentrate on other areas of law besides mesothelioma while another firm may solely focus on asbestos cases. Aside from using your good judgement when determining which law firm you should use, there are several factors you should consider The law firm should have experience in dealing with mesothelioma cases. The law firm should be extremely knowledgeable in asbestos laws and prior cases. Look for a law firm that focuses solely on asbestosrelated cases. Look for law firms with a stellar reputation in handling asbestos cases. The law firm should not only understand asbestos laws, but should also have extensive knowledge of medical problems associated with asbestos diseases. The law firm should always keep you updated on whats going on in your case. Although attorneys are busy people, they should be accessible. You should always get an initial consultation at no charge before deciding on a firm. Keep in mind that its not recommended to retain a law firm that promises you that you will win your case no matter what. Although statistics show that the majority mesothelioma victims do go on to win their lawsuits, there are a variety of factors involved, and no case is guaranteed. An experienced law firm will help you to understand your chances and what is involved, but will never assure that your case is 100 guaranteed. Making Things Easier Although a law firm will do the majority of your case work, its always a good idea to be prepared and make things easier so that the process gets rolling faster. First, make sure to gather your medical documents, including when and where you were diagnosed, and bring this information to your initial meeting. This will allow the firm to determine if your case can be taken on. Next, be prepared to provide the law firm with your work history and information including the full company name, address, phone number, your job role, and how long you worked there. Finally, start keeping track of all expenses used pertaining to your disease. For example, always keep a copy of medical bills, hospital visits, mileage used to get to appointments, medical supplies, and anything other expense you paid out due to your illness. How Can a Law Firm Personally Help Me When first getting started, victims usually have a plethora of unanswered questions regarding asbestos and their rights. A good law firm should be able to provide you with following information Evidence Related to Your Exposure Once you provide the law firm with your work information, they should be able to investigate and determine how asbestos was used at your workplace. In some cases, they may already have the information available. If You Truly Have an Asbestos Claim Asbestos law firms understand whats needed in order to have a true asbestos claim. With this knowledge, they are able to determine how strong your case is and what the estimated chances are that youll win. Most attorneys make sure theyre confident in your case before taking it on. Be wary of any attorney who promises to take your case without knowing any of the details or an attorney who claims they can get you an exact amount of compensation before reviewing your case. Your Case Worth If the firm decides you have an asbestos case, they will then be able to come up with an average figure of how much your case is worth. This is including past expenses, daily expenses, medical bills, lost wages, emotional trauma, physical suffering, future expenses, and much more. Keep in mind, however, that there is no set formula as to how much your award amount may be. The aforementioned factors, along with other details, such as if your former company has a trust fund set up or not, will also come into play. Who Exactly is Responsible It can be difficult for the average person to determine who exactly is responsible for exposing victims to asbestos. For example, companies can move, go out of business, hide, suppress relevant information, and change ownerships. In some cases, your former company is responsible, the manufacturer of the asbestos products may be responsible, or supervisors andor owners may be responsible. In other instances, there may be just one sole responsible entity, yet in a different case, there may be several responsible parties. Remember that part of the law firms job is to research, seek out, and determine the entity or responsible parties that are liable for your exposure to asbestos. Forex Tutorial: What is Forex Trading? Casey Murphy Introduction to Currency Trading What is Forex Trading? Reading a Forex Quote and Understanding the Jargon Foreign Exchange Risk and Benefits Forex History and Market Participants Economic Theories, Models, Feeds & Data Fundamental Analysis & Fundamentals Trading Strategies Technical Analysis & TechnicaI Indicators How To Trade & Open A Forex Account Forex Tutorial: Currency Trading Summary What Is Forex? The foreign exchange market is the "place" where currencies are traded. Currencies are important to most people around the world, whether they realize it or not, because currencies need to be exchanged in order to conduct foreign trade and business. If you are living in the U.S. and want to buy cheese from France, either you or the company that you buy the cheese from has to pay the French for the cheese in euros (EUR). This means that the U.S. importer would have to exchange the equivalent value of U.S. dollars (USD) into euros. The same goes for traveling. A French tourist in Egypt can't pay in euros to see the pyramids because it's not the locally accepted currency. As such, the tourist has to exchange the euros for the local currency, in this case the Egyptian pound, at the current exchange rate. The need to exchange currencies is the primary reason why the forex market is the largest, most liquid financial market in the world. It dwarfs other markets in size, even the stock market, with an average traded value of around U.S. $2,000 billion per day. (The total volume changes all the time, but as of August 2012, the Bank for International Settlements (BIS) reported that the forex market traded in excess of U.S. $4.9 trillion per day.) One unique aspect of this international market is that there is no central marketplace for foreign exchange. Rather, currency trading is conducted electronically over-the-counter (OTC), which means that all transactions occur via computer networks between traders around the world, rather than on one centralized exchange. The market is open 24 hours a day, five and a half days a week, and currencies are traded worldwide in the major financial centers of London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris and Sydney - across almost every time zone. This means that when the trading day in the U.S. ends, the forex market begins anew in Tokyo and Hong Kong. As such, the forex market can be extremely active any time of the day, with price quotes changing constantly. Spot Market and the Forwards and Futures Markets There are actually three ways that institutions, corporations and individuals trade forex: the spot market, the forwards market and the futures market. The forex trading in the spot market always has been the largest market because it is the "underlying" real asset that the forwards and futures markets are based on. In the past, the futures market was the most popular venue for traders because it was available to individual investors for a longer period of time. However, with the advent of electronic trading and numerous forex brokers, the spot market has witnessed a huge surge in activity and now surpasses the futures market as the preferred trading market for individual investors and speculators. When people refer to the forex market, they usually are referring to the spot market. The forwards and futures markets tend to be more popular with companies that need to hedge their foreign exchange risks out to a specific date in the future. What is the spot market?

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Forex Tutorial: What is Forex Trading? Casey Murphy Forex Tutorial: Introduction to Currency Trading Forex Tutorial: What is Forex Trading? Forex Tutorial: Reading a Forex Quote and Understanding the Jargon Forex Tutorial: Foreign Exchange Risk and Benefits Forex Tutorial: Forex History and Market Participants Forex Tutorial: Economic Theories, Models, Feeds & Data Forex Tutorial: Fundamental Analysis & Fundamentals Trading Strategies Forex Tutorial: Technical Analysis & TechnicaI Indicators Forex Tutorial: How To Trade & Open A Forex Account Forex Tutorial: Currency Trading Summary What Is Forex? The foreign exchange market is the "place" where currencies are traded. Currencies are important to most people around the world, whether they realize it or not, because currencies need to be exchanged in order to conduct foreign trade and business. If you are living in the U.S. and want to buy cheese from France, either you or the company that you buy the cheese from has to pay the French for the cheese in euros (EUR). This means that the U.S. importer would have to exchange the equivalent value of U.S. dollars (USD) into euros. The same goes for traveling. A French tourist in Egypt can't pay in euros to see the pyramids because it's not the locally accepted currency. As such, the tourist has to exchange the euros for the local currency, in this case the Egyptian pound, at the current exchange rate. The need to exchange currencies is the primary reason why the forex market is the largest, most liquid financial market in the world. It dwarfs other markets in size, even the stock market, with an average traded value of around U.S. $2,000 billion per day. (The total volume changes all the time, but as of August 2012, the Bank for International Settlements (BIS) reported that the forex market traded in excess of U.S. $4.9 trillion per day.) One unique aspect of this international market is that there is no central marketplace for foreign exchange. Rather, currency trading is conducted electronically over-the-counter (OTC), which means that all transactions occur via computer networks between traders around the world, rather than on one centralized exchange. The market is open 24 hours a day, five and a half days a week, and currencies are traded worldwide in the major financial centers of London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris and Sydney - across almost every time zone. This means that when the trading day in the U.S. ends, the forex market begins anew in Tokyo and Hong Kong. As such, the forex market can be extremely active any time of the day, with price quotes changing constantly. Spot Market and the Forwards and Futures Markets There are actually three ways that institutions, corporations and individuals trade forex: the spot market, the forwards market and the futures market. The forex trading in the spot market always has been the largest market because it is the "underlying" real asset that the forwards and futures markets are based on. In the past, the futures market was the most popular venue for traders because it was available to individual investors for a longer period of time. However, with the advent of electronic trading and numerous forex brokers, the spot market has witnessed a huge surge in activity and now surpasses the futures market as the preferred trading market for individual investors and speculators. When people refer to the forex market, they usually are referring to the spot market. The forwards and futures markets tend to be more popular with companies that need to hedge their foreign exchange risks out to a specific date in the future. What is the spot market? More specifically, the spot market is where currencies are bought and sold according to the current price. That price, determined by supply and demand, is a reflection of many things, including current interest rates, economic performance, sentiment towards ongoing political situations (both locally and internationally), as well as the perception of the future performance of one currency against another. When a deal is finalized, this is known as a "spot deal". It is a bilateral transaction by which one party delivers an agreed-upon currency amount to the counter party and receives a specified amount of another currency at the agreed-upon exchange rate value. After a position is closed, the settlement is in cash. Although the spot market is commonly known as one that deals with transactions in the present (rather than the future), these trades actually take two days for settlement. What are the forwards and futures markets? Unlike the spot market, the forwards and futures markets do not trade actual currencies. Instead they deal in contracts that represent claims to a certain currency type, a specific price per unit and a future date for settlement. In the forwards market, contracts are bought and sold OTC between two parties, who determine the terms of the agreement between themselves. In the futures market, futures contracts are bought and sold based upon a standard size and settlement date on public commodities markets, such as the Chicago Mercantile Exchange. In the U.S., the National Futures Association regulates the futures market. Futures contracts have specific details, including the number of units being traded, delivery and settlement dates, and minimum price increments that cannot be customized. The exchange acts as a counterpart to the trader, providing clearance and settlement. Both types of contracts are binding and are typically settled for cash for the exchange in question upon expiry, although contracts can also be bought and sold before they expire. The forwards and futures markets can offer protection against risk when trading currencies. Usually, big international corporations use these markets in order to hedge against future exchange rate fluctuations, but speculators take part in these markets as well. Note that you'll see the terms: FX, forex, foreign-exchange market and currency market. These terms are synonymous and all refer to the forex market. Forex Tutorial: Technical Analysis & TechnicaI Indicators By Casey Murphy SHARE Forex Tutorial: Introduction to Currency Trading Forex Tutorial: What is Forex Trading? Forex Tutorial: Reading a Forex Quote and Understanding the Jargon Forex Tutorial: Foreign Exchange Risk and Benefits Forex Tutorial: Forex History and Market Participants Forex Tutorial: Economic Theories, Models, Feeds & Data Forex Tutorial: Fundamental Analysis & Fundamentals Trading Strategies Forex Tutorial: Technical Analysis & TechnicaI Indicators Forex Tutorial: How To Trade & Open A Forex Account Forex Tutorial: Currency Trading Summary One of the underlying tenets of technical analysis is that historical price action predicts future price action. Since the forex is a 24-hour market, there tends to be a large amount of data that can be used to gauge future price activity, thereby increasing the statistical significance of the forecast. This makes it the perfect market for traders that use technical tools, such as trends, charts and indicators. (To learn more, see Introduction to Technical Analysis and Charting Your Way To Better Returns.) It is important to note that, in general, the interpretation of technical analysis remains the same regardless of the asset being monitored. There are literally hundreds of books dedicated to this field of study, but in this tutorial we will only touch on the basics of why technical analysis is such a popular tool in the forex market. As the specific techniques of technical analysis are discussed in other tutorials, we will focus on the more forex-specific aspects of technical analysis. Technical Analysis Discounts Everything; Especially in Forex Minimal Rate Inconsistency There are many large players in the forex market, such as hedge funds and large banks, that all have advanced computer systems to constantly monitor any inconsistencies between the different currency pairs. Given these programs, it is rare to see any major inconsistency last longer than a matter of seconds. Many traders turn to forex technical analysis because it presumes that all the factors that influence a price - economic, political, social and psychological - have already been factored into the current exchange rate by the market. With so many investors and so much money exchanging hands each day, the trend and flow of capital is what becomes important, rather than attempting to identify a mispriced rate. Trend or Range One of the greatest goals of technical traders in the FX market is to determine whether a given pair will trend in a certain direction, or if it will travel sideways and remain range-bound. The most common method to determine these characteristics is to draw trend lines that connect historical levels that have prevented a rate from heading higher or lower. These levels of support and resistance are used by technical traders to determine whether or not the given trend, or lack of trend, will continue. Generally, the major currency pairs - such as the EUR/USD, USD/JPY, USD/CHF and GBP/USD - have shown the greatest characteristics of trend, while the currency pairs that have historically shown a higher probability of becoming range-bound have been the currency crosses (pairs not involving the U.S. dollar). The two charts below show the strong trending nature of USD/JPY in contrast to the range-bound nature of EUR/CHF. It is important for every trader to be aware of the characteristics of trend and range, because they will not only affect what pairs are traded, but also what type of strategy should be used. (To learn more about this subject, see Trading Trend Or Range?) FXTutorialFigure1.gif Graph created by E-Signal. Figure 1 FXTutorialFigure2.gifGraph created by E-Signal. Figure 2 Common Indicators Technical traders use many different indicators in combination with support and resistance to aid them in predicting the future direction of exchange rates. Again, learning how to interpret various forex technical indicators is a study unto itself and goes beyond the scope of this forex tutorial. If you wish to learn more about this subject, we suggest you read our technical analysis tutorial. A few indicators that we feel we should mention, due to their popularity, are: Bollinger Bands®, Fibonacci retracement, moving averages, moving average convergence divergence (MACD) and stochastics. These technical tools are rarely used by themselves to generate signals, but rather in conjunction with other indicators and chart patterns. For more on technical analysis and the forex, take a look at the following articles: Using Bollinger Band® "Bands" To Gauge Trends, Trading Double Tops And Double Bottoms, Introducing The Bearish Diamond Formation, Keep An Eye On Momentum and Consolidation - Trade The Calm, Profit From The Storm. Forex Tutorial: How To Trade & Open A Forex Account Read more: Forex Tutorial: Technical Analysis & TechnicaI Indicators https://wwwinvestopediacom/university/forexmarket/forex7.asp#ixzz5AqiIvvwi Follow us: Investopedia on Facebooksoftware untuk mengakses internet, plasa hosting, jasa pembuatan website iklan baris, spesifikasi komputer server, kumpulan software komputer, pengertian klaim asuransi, webhost indonesia, asuransi islam, dedicated server indonesia, pengertian premi asuransi, atlas indonesia, pengertian asuransi syariah, web hosting terbaik di indonesia , perusahaan keuangan di indonesia, hosting web 10 Easy Steps to Succeed in Your Online Classes Blog ini Berisi tentang segala berita ter update dan terbaru dan banyak sekali artikel bermanfaat didalamnya yang akan selalu menambah pengetahuan serta menambah wawasan anda sekalian selamat datang di blog sederhana nan penuh dengan informasi terkini Forex Tutorial What is Forex Trading Casey Murphy Introduction to Currency Trading What is Forex Trading Reading a Forex Quote and Understanding the Jargon Foreign Exchange Risk and Benefits Forex History and Market Participants Economic Theories, Models, Feeds and Data Fundamental Analysis and Fundamentals Trading Strategies Technical Analysis and TechnicaI Indicators How To Trade and Open A Forex Account Forex Tutorial Currency Trading Summary What Is Forex The foreign exchange market is the place where currencies are traded.Currencies are important to most people around the world, whether they realize it or not, because currencies need to be exchanged in order to conduct foreign trade and business. If you are living in the U.S. and want to buy cheese from France, either you or the company that you buy the cheese from has to pay the French for the cheese in euros EUR. This means that the U.S. importer would have to exchange the equivalent value of U.S. dollars USD into euros. The same goes for traveling. A French tourist in Egypt cant pay in euros to see the pyramids because its not the locally accepted currency. As such, the tourist has to exchange the euros for the local currency, in this case the Egyptian pound, at the current exchange rate. The need to exchange currencies is the primary reason why the forex market is the largest, most liquid financial market in the world. It dwarfs other markets in size, even the stock market, with an average traded value of around U.S. 2,000 billion per day. The total volume changes all the time, but as of August 2012, the Bank for International Settlements BIS reported that the forex market traded in excess of U.S. 4.9 trillion per day. One unique aspect of this international market is that there is no central marketplace for foreign exchange. Rather, currency trading is conducted electronically overthecounter OTC, which means that all transactions occur via computer networks between traders around the world, rather than on one centralized exchange. The market is open 24 hours a day, five and a half days a week, and currencies are traded worldwide in the major financial centers of London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris and Sydney across almost every time zone. This means that when the trading day in the U.S. ends, the forex market begins anew in Tokyo and Hong Kong. As such, the forex market can be extremely active any time of the day, with price quotes changing constantly. Spot Market and the Forwards and Futures Markets There are actually three ways that institutions, corporations and individuals trade forex the spot market, the forwards market and the futures market. The forex trading in the spot market always has been the largest market because it is the underlying real asset that the forwards and futures markets are based on. In the past, the futures market was the most popular venue for traders because it was available to individual investors for a longer period of time. However, with the advent of electronic trading and numerous forex brokers, the spot market has witnessed a huge surge in activity and now surpasses the futures market as the preferred trading market for individual investors and speculators. When people refer to the forex market, they usually are referring to the spot market. The forwards and futures markets tend to be more popular with companies that need to hedge their foreign exchange risks out to a specific date in the future. What is the spot market More specifically, the spot market is where currencies are bought and sold according to the current price. That price, determined by supply and demand, is a reflection of many things, including current interest rates, economic performance, sentiment towards ongoing political situations both locally and internationally, as well as the perception of the future performance of one currency against another. When a deal is finalized, this is known as a spot deal. It is a bilateral transaction by which one party delivers an agreedupon currency amount to the counter party and receives a specified amount of another currency at the agreedupon exchange rate value. After a position is closed, the settlement is in cash. Although the spot market is commonly known as one that deals with transactions in the present rather than the future, these trades actually take two days for settlement. What are the forwards and futures markets Unlike the spot market, the forwards and futures markets do not trade actual currencies. Instead they deal in contracts that represent claims to a certain currency type, a specific price per unit and a future date for settlement. In the forwards market, contracts are bought and sold OTC between two parties, who determine the terms of the agreement between themselves. In the futures market, futures contracts are bought and sold based upon a standard size and settlement date on public commodities markets, such as the Chicago Mercantile Exchange. In the U.S., the National Futures Association regulates the futures market. Futures contracts have specific details, including the number of units being traded, delivery and settlement dates, and minimum price increments that cannot be customized. The exchange acts as a counterpart to the trader, providing clearance and settlement. Both types of contracts are binding and are typically settled for cash for the exchange in question upon expiry, although contracts can also be bought and sold before they expire. The forwards and futures markets can offer protection against risk when trading currencies. Usually, big international corporations use these markets in order to hedge against future exchange rate fluctuations, but speculators take part in these markets as well. Note that youll see the terms FX, forex, foreignexchange market and currency market. These terms are synonymous and all refer to the forex market. One of the underlying tenets of technical analysis is that historical price action predicts future price action. Since the forex is a 24hour market, there tends to be a large amount of data that can be used to gauge future price activity, thereby increasing the statistical significance of the forecast. This makes it the perfect market for traders that use technical tools, such as trends, charts and indicators. To learn more, see Introduction to Technical Analysis and Charting Your Way To Better Returns. It is important to note that, in general, the interpretation of technical analysis remains the same regardless of the asset being monitored. There are literally hundreds of books dedicated to this field of study, but in this tutorial we will only touch on the basics of why technical analysis is such a popular tool in the forex market. As the specific techniques of technical analysis are discussed in other tutorials, we will focus on the more forexspecific aspects of technical analysis. Technical Analysis Discounts Everything Especially in Forex Minimal Rate Inconsistency There are many large players in the forex market, such as hedge funds and large banks, that all have advanced computer systems to constantly monitor any inconsistencies between the different currency pairs. Given these programs, it is rare to see any major inconsistency last longer than a matter of seconds. Many traders turn to forex technical analysis because it presumes that all the factors that influence a price economic, political, social and psychological have already been factored into the current exchange rate by the market. With so many investors and so much money exchanging hands each day, the trend and flow of capital is what becomes important, rather than attempting to identify a mispriced rate. Trend or Range One of the greatest goals of technical traders in the FX market is to determine whether a given pair will trend in a certain direction, or if it will travel sideways and remain rangebound. The most common method to determine these characteristics is to draw trend lines that connect historical levels that have prevented a rate from heading higher or lower. These levels of support and resistance are used by technical traders to determine whether or not the given trend, or lack of trend, will continue. Generally, the major currency pairs such as the EURUSD, USDJPY, USDCHF and GBPUSD have shown the greatest characteristics of trend, while the currency pairs that have historically shown a higher probability of becoming rangebound have been the currency crosses pairs not involving the U.S. dollar. The two charts below show the strong trending nature of USDJPY in contrast to the rangebound nature of EURCHF. It is important for every trader to be aware of the characteristics of trend and range, because they will not only affect what pairs are traded, but also what type of strategy should be used. To learn more about this subject, see Trading Trend Or Range Technical traders use many different indicators in combination with support and resistance to aid them in predicting the future direction of exchange rates. Again, learning how to interpret various forex technical indicators is a study unto itself and goes beyond the scope of this forex tutorial. If you wish to learn more about this subject, we suggest you read our technical analysis tutorial. A few indicators that we feel we should mention, due to their popularity, are Bollinger Bands®, Fibonacci retracement, moving averages, moving average convergence divergence MACD and stochastics. These technical tools are rarely used by themselves to generate signals, but rather in conjunction with other indicators and chart patterns. For more on technical analysis and the forex, take a look at the following articles Using Bollinger Band® Bands To Gauge Trends, Trading Double Tops And Double Bottoms, Introducing The Bearish Diamond Formation, Keep An Eye On Momentum and Consolidation Trade The Calm, Profit From The Storm. Forex Tutorial How To Trade and Open A Forex Account Insurance What is Insurance Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients risks to make payments more affordable for the insured. Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property, or from liability for damage or injury caused to a third party. ASSESSABLE POLICY INSURANCE CLAIM ULTIMATE NET LOSS COMMERCIAL LINES INSURANCE BREAKING DOWN Insurance There are a multitude of different types of insurance policies available, and virtually any individual or business can find an insurance company willing to insure them, for a price. The most common types of personal insurance policies are auto, health, homeowners, and life. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by law. Businesses require special types of insurance policies that insure against specific types of risks faced by the particular business. For example, a fast food restaurant needs a policy that covers damage or injury that occurs as a result of cooking with a deep fryer. An auto dealer is not subject to this type of risk but does require coverage for damage or injury that could occur during test drives. There are also insurance policies available for very specific needs, such as kidnap and ransom KandR, medical malpractice, and professional liability insurance, also known as errors and omissions insurance. Insurance Policy Components When choosing a policy, it is important to understand how insurance works. Three important components of insurance policies are the premium, policy limit, and deductible. A firm understanding of these concepts goes a long way in helping you choose the policy that best suits your needs. A policys premium is simply its price, typically expressed as a monthly cost. The premium is determined by the insurer based on your or your business risk profile, which may include creditworthiness. For example, if you own several expensive automobiles and have a history of reckless driving, you will likely pay more for an auto policy than someone with a single midrange sedan and a perfect driving record. However, different insurers may charge different premiums for similar policies so, finding the price that is right for you requires some legwork. The policy limit is the maximum amount an insurer will pay under a policy for a covered loss. Maximums may be set per period e.g. annual or policy term, per loss or injury, or over the life of the policy, also known as the lifetime maximum. Typically, higher limits carry higher premiums. For a general life insurance policy, the maximum amount the insurer will pay is referred to as the face value, which is the amount paid to a beneficiary upon the death of the insured. The deductible is a specific amount the policyholder must pay outofpocket before the insurer pays a claim.Deductibles serve as deterrents to large volumes of small and insignificant claims. Deductibles can apply perpolicy or perclaim depending on the insurer and the type of policy. Policies with very high deductibles are typically less expensive because the high outofpocket expense generally results in fewer small claims. In regards to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles. Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the tradeoff. Individuals and businesses are likely to be familiar with large insurance companies that provide a variety of different types of policies. In some cases, however, a group of businesses may pool funds together and form a corporation specifically to purchase insurance coverage for the group. The corporation formed is called a mutual company or mutual insurance company, and allows members to obtain insurance coverage at a cheaper rate than if they sought coverage on their own. Most insurance policies are considered nonassessable policies, and are owned by stockholders rather than by policyholders as in the case of a mutual insurance company. A nonassessable policy limits the liability of the policyholder to the amount of premium owed on the policy. If the insurer is unable to cover losses resulting from claims it must find funds from other sources, including its investments. Because utilizing investment income and other assets to cover losses means that the insurer will be less profitable, the insurance companyUSDs stockholders will ultimately be forced to absorb losses. State insurance regulators may place limitations on insurers that provide nonassessable policies. Such limitations typically apply to the amount of reserves that the insurer must set aside to cover liabilities, the type and number of policies it is allowed to underwrite, and the type of investments that it can invest its dividends in. The reason for the limitations are to ensure that the insurer is able to effectively cover its liabilities with liquid assets, since it is not allowed to demand additional funds from policyholders in order to make up for losses. Whether youre a new parent, a working spouse, or even an empty nester, life insurance could play a crucial role in your familys financial wellbeing if the unthinkable happens. Term life insurance is one way to get your family covered without spending a fortune. People often think life insurance is too expensive or they cant afford it because of other financial priorities, such as paying off debt or saving for retirement. However, depending on your age and the amount of coverage you need, term life insurance could cost you less than USD1 a day. Consistently consumers have told our researchers they believe they cant afford life insurance, but when we dug deeper, our research showed that many overestimate the cost by as much as 300 percent, says Robert Kerzner, LIMRAs president and chief executive officer. According to LIMRAs 2016 Trends in Life Insurance Ownership study and LIMRAs 2017 Insurance Barometer Study 30 percent of households dont have life insurance 20 percent of households with children under age 18 dont have life insurance 43 percent of families without life insurance say they would be in immediate financial trouble if a primary wage earner died If these sound like you, term life insurance could be a lowcost option to get coverage. Lets walk through term life and see if its right for you. What is term life insurance Term life insurance covers you for a set period, such as 10, 15, 20 or 30 years, and will pay your loved ones the face value of your policy if you die during that time. So if you purchase a 20year term, USD250,000 life insurance policy, and you die five years later, your beneficiaries would receive the USD250,000. The benefit ends after 20 years. Life insurance is cheaper when youre younger, so if you purchase it when youre in your 20s, your premiums will be much lower than if you wait until youre in your 40s. Thats one of the reasons its important to figure out in advance how long youll need the coverage. Youll end up paying higher rates if you decide to renew later because your age is a key factor in setting rates. Plus, youll likely have to go for a medical exam or answer questions about your health. If youre in poor health, your rates will be even higher, or you may find that you might not qualify for a term life insurance policy. You may have life insurance through your job or an organization. However, you may find these plans dont cover your needs. In that case, youll need to supplement your policy with individual coverage. Also, youll lose that group life insurance benefit if you leave your job. One reason some people may shy away from term life is that you pay premiums, but dont get any of that money back if you outlive the policy. There is an option in that case. Returnofpremium term life policies repay you the amount you paid in for coverage. However, those plans cost much more than regular term life policies. Another consideration is convertibility, which allows you to convert your term life policy to permanent life insurance without having to answer questions about your health. Some term policies let you make the switch within the first few years after youve obtained coverage. Other policies allow you to make the change at almost any time that you have the policy. Medical exams for term life insurance A medical exam may be required when applying for a standard term life insurance policy. The exam will cover your height, weight, medical history, smoking habits and include a blood and urine test. These tests will look for specific medical problems. The results of the tests may hinder you from getting approved for the insurance, or increase your rates, depending on the outcome. See How to ace your medical insurance exam. If that worries you, there is a term life insurance policy that doesnt require a medical exam. Guaranteed issue term life insurance coverage, also known as quick issue or simplified issue, is ideal if you have difficulty finding life insurance due to a medical condition or illness. You pay a higher premium because no medical exam is required. The insurance company views this as risky, so you pay more. The insurer may also have a waiting period before coverage takes effect, and may charge a yearly fee. How much term life insurance do you need A good starting point if you want to determine how much coverage youll need and how much you might pay is the life insurance calculator on LifeHappens.org. The website of the nonprofit organization Life Happens educates the public on life, disability and longterm care insurance. When deciding on how much life insurance you need, think about Funeral costs How much it will cost to replace your income The services that you provide your family, such as child care your outstanding debts, such as mortgages, credit card bills and loans Longterm financial commitments, such as paying for your childs college Once you figure out what your family might need financially, you can start figuring out if you need extras or riders on your policy. Term life extras and riders Term life policies can include extra features or riders. For example, your policy may include an accelerated death benefit. This type of rider lets people who are terminally ill, have a chronic illness or in longterm care tap into life insurance, while still leaving your loved ones with the remaining life insurance benefits. You also may receive a disability waiver of premium, which grants you a waiver on paying your premiums if youre disabled for at least six months. And some policies offer double or triple the payout if the death is an accident. Online College Success 10 Best Tips Online College SuccessWading into the waters of online education for the first time can pose unique challenges and take some getting used to for the uninitiated. There will likely be a learning curve, especially for those who are not technologically savvy. This article is designed to help you get your feet wet and guide you along with 10 helpful tips for online college success as you steadily immerse yourself into the online college experience. Online College Success 10 Best Tips 1. Self Determination As with traditional campusbased education, self determination is just as much of a key factor to success in online education. Education should be viewed as a means to improve your self and your circumstances it can be the key that unlocks all the doors. Develop a keen sense of self determination and self reliance, and that will help overcome whatever initial obstacles that may be faced in beginning an online education. 2. Gather All Resources Colleges that offer online programs know what is required to assist its students in succeeding in education, and as such, they offer many tools and resources which should be utilized. There are support teams such as tutors for help with coursework, technical supports, chat rooms in which students can communicate with fellow students and professors, online libraries, ebooks for textbooks which makes referencing much easier and ebooks are less expensive than textbooks, and other webbased options. It is important to be familiar with all of the means of help and the support system available to as a key aspect to online college success. 3. Understand Degree Program Options Probably the most important question to decide is what degree you want to get. If you have certain schools in mind, see what degrees the schools offer. For instance, Capella University offers degrees in marketing, business, finance, nursing, criminal justice, counseling, and others, with different concentrations in each subject. 4. Become Technologically Savvy Part of your success in taking online classes will rely on your ability to navigate various computer softwares, and it is important that you familiarize yourself with this technology, such as Blackboard. Also, the various resources that will be at your fingertips, such as chat rooms, tutors, etc., will be online in various software formats. You should be able to concentrate on the school work itself and not have any additional learning curve in using the relevant software that online college requires. Online College Success5. Effective Time Management While it is true that much online college coursework offers more flexibility than traditional college coursework, time management is still an important part of success. There are still deadlines and due dates for the coursework, and mapping out and scheduling the work accordingly can help greatly. A calendar and schedule is important to keep preferably on your smart phone or in some format that is always accessible and can be updated as necessary. 6. Begin Small As with any new experience and endeavor, start small and take some time to learn how the process works. Take just a few classes at first. Do not overburden or overwhelm yourself with too many classes and responsibilities. In this regard it may behoove you to take the first class in a summer semester and see how well you adjust and like program. 7. Write Well and Proofread Your Work Since a large part of online coursework will be in written form, there is an opportunity to submit wellwritten, polished work that will positively impact your grades. Good grammar and correct punctuation will help convey your message accurately, and its always a good idea to be clear and concise in your writing. I suggest reading Write to the Point by Bill Stott for direction in good writing. Online College Success8. Make Good Use of Downtime In online courses there isnt always going to be immediate feedback on your assignments that youve submitted, so while you are waiting try to use your time wisely. Dont spend excessive amounts of time watching television or playing games when you could be getting a head start in reading or writing for next weeks assignments it will only improve your grades by giving you time to learn and anticipate the next assignments. 9. Communicate Effectively with Faculty and Students A good understanding of the coursework and expectations of the professors is crucial to passing and making good grades in any given course. Since inperson communication is not an option, make use of email, chats, forums, and other formats to communicate with fellow students and professors if you have any questions and need any clarification. In this way you can avoid misunderstandings from the outset, greatly enhancing your online college success. 10. Make School Routine As with other aspects of life, we often learn by doing, and in doing we get most proficient when we get into a routine. The same is true for online education. It is best to determine what time of day and where you are most productive and can give your full attention to the coursework, and make that a habit. Online College SuccessIt will become evident that online courses are not vastly different from traditional education. You will find that most things are shared in common, only it is predominantly the means by which information is transferred that is different. Following the 10 best tips for online college success guidelines above will bring effective online education and avoid some initial challenges. Step 7 Seek Support from Your Employer People do not handle going back to school in the same way. Some are very excited about being a college kid, so they tell the world about their new online courses. Others are embarrassed that they do not have a formal education.The latter tend to keep quiet that they are going to college online because they do not want to draw attention to the fact that they have not yet earned a college degree. You would be surprised to learn how many highly successful people nearing retirement age go through their entire careers without the aid of a college degree Keeping quiet about college will make it difficult for you to garner support at work. For example, you may need to leave work 15 minutes early on Wednesdays to attend your required online class chat session.Many employers will subsidize at least a part of employees tuition and training bills. Dont forget to ask about tuition assistance plans at your place of employment. If you work for a small company, try asking for tuition assistance to cover the expense of specific online courses that may directly correlate to your work. software untuk mengakses internet, plasa hosting, jasa pembuatan website iklan baris, spesifikasi komputer server, kumpulan software komputer, pengertian klaim asuransi, webhost indonesia, dedicated server indonesia, pengertian premi asuransi, atlas indonesia, pengertian asuransi syariah, web hosting terbaik di indonesia perusahaan keuangan di indonesia,hosting web About the Author Vicky Phillips was cited in 2009 by US News and World Report as for 20 years the leading consumer advocate for online college students. In 1989 she designed Americas first online counseling center for distance learners on AOL. In 1998 she authored the first print guide to online graduate degrees Best Distance Learning Graduate Schools put out by the Princeton Review. In 2001 she authored Never Too Late to Learn the Adult Students Guide to College. Tips to a Successful Online College Experience Online learning is a new revolution in education. More and more schools now offer extensive catalogs of distance learning programs. From undergraduate to doctoral, you can earn a degree from an accredited college or university in a variety of subjects without stepping foot in a classroom. But online learning requires more than an Internet connection. In order to be successful in this new educational environment, youll need to plan carefully and be wellorganized from the start. Our list of 15 tips will help you make the most of your time online as a student and beyond Tip 1 Decide if Online Learning is for You Before you apply to an online program, make sure you know what online learning is all about. Its not for everyone Is facetoface interaction with teachers and classmates important to you Some students find they learn better in a physical classroom while others are comfortable learning independently. How good are you at managing your time Online learning requires high autonomy and high accountability. Tip 2 Find an Accredited School Accreditation is one of the most important factors in choosing an online school. It can mean the difference between earning a legitimate degree and one thats worthless and gets you nowhere. The accreditation database brought to you by the U.S. Department of Education can help prevent a costly mistake. Other accreditation databases include Accrediting Council for Independent Colleges and Schools Accrediting Commission of Career Schools and Colleges of Technology Accrediting Council for Continuing Education and Training Council on Occupational Education Distance Education and Training Council Tip 3 Choose the Right Program Accreditation and program assessment go hand in hand. Make sure you research each degree program carefully before making a decision. Enrolling in a program that does not relate to your career aspirations is a time and moneysink. We provide a list of top online colleges to help start your search. Tip 4 Meet the System Requirements An absolute must Make sure your computer meets the system requirements for all of your elearning courses. Check your computer – is it up to date Or is your box an old clunker running on fumes Call your school to verify that your computer is uptodate and ready to handle all the applications and data flow with acceptable performance. Windows Users Microsoft Internet Explorer 7.0 or higher, or Mozilla Firefox 3.0 or higher Mac OS Users Safari 3.0, or higher, or Mozilla Firefox 3.0 or higher Tip 6 Meet the Software Requirements Youll also be expected to meet specific software requirements. At a minimum, youll likely need the following Word processing software such as Google Docs, Microsoft Word, or OpenOffice Adobe Reader for Windows or Schubertit PDF Reader for Mac Presentation software such as Google Docs, Microsoft PowerPoint, or OpenOffice Tip 7 Ensure Reliable Internet Access While you might think duh, thats obvious, a reliable Internet connection is not always available in your area or deemed too expensive. Youll need to have a cable modem or a fast DSL connection in order to connect to your courses. Reliable is the key word here. If your Internet connection has a tendency to crash your browser or drop altogether, youll need to diagnose the source of a problem or find a new way to access the Web. Tip 8 Find the Right Study Environment Study space has a direct impact on study effectiveness. If youre home office is the family living room, you may find it hard to focus. Evaluate your current study locations to find the best spot to access the Internet, complete your assignments, and connect with your classmates and teachers. A quiet area with good lighting, comfortable seating, and enough space to spread out your books and papers can make all the difference in how productive you are. Tip 9 Participate, Participate, Participate Distance learning doesnt mean youre on your own. You dont have to study in isolation. In fact, you have all the support you need, if you take full advantage of it. Participate in online group forums and chats to stay connected with your peers and instructors. Discussion is a big part of learning, whether online or facetoface. Tip 10 Take Advantage of Student Services Think of Blackboard, Angel, or whatever learning management system your school uses as a college campus. Youll have access to a variety of student services, not the least of which includes library and bookstore Tip 11 Log On Each Day Log on to your courses a few times a day to read announcements and check the discussion board. This way youre always in the loop and uptodate with the latest news and events. Tip 12 Think Responses Through Before Posting This may seem like a nobrainer, but sometimes we click send or post too fast without reading through our comments. Be detailed and thoughtful and think responses through before posting. Tip 13 Stay Committed Commitment is critical and a commitment to your online learning experience requires you to Ask questions Be an active learner Think critically Set aside time Do your homework Tip 14 Embrace the Experience Youre part of a new and exciting chapter in education. With cuttingedge technology and rich online media, online learning offers you the ability to attend class on your own. Embrace this new platform with an open mind and heart for learning. Tip 15 Evaluate Your Courses When its all said and done, provide feedback – good and bad. Teachers and administrators want to know about your elearning experience. Consider the following when submitting your evaluations online organization and design instructional design and delivery faculty use of student feedback innovative teaching with technology learner support and access to resources Search for online degrees Mesothelioma Law Firm For decades, mesothelioma, a lifethreatening disease that can affect the lungs, abdomen, and several other major organs, has been linked to prolonged exposure to asbestos, resulting in many people seeking a mesothelioma law firm to get justice and help them cover the overwhelming expenses associated with the disease. Typically, mesothelioma victims were exposed to asbestos while working at a job site that used asbestoscontaining materials ACMs. In many cases, the manufacturers of asbestos and ACMs knew of the hidden dangers and risks of asbestos, yet failed to inform the public, as asbestos was an extremely profitable mineral. Because of the hindrance of information, workers who developed health issues from asbestos exposure may be eligible for financial compensation to cover expenses such as lost wages, medical bills, emotional suffering, physical pain, and more. If you suffer from mesothelioma, asbestosrelated lung cancer, or asbestosis, you may be eligible for a large amount of compensation. Currently, there is over 30 billion in asbestos trust funds, set up for those who have been diagnosed with an asbestosrelated illness. Fill out our form to receive our free Financial Compensation Packet. Our packet is loaded with information on leading mesothelioma attorneys in your area, how to file a claim for asbestos trust funds, how to get paid in 90 days, and more. What Does a Mesothelioma Law Firm Do Law firms specializing in mesothelioma are different from any other type of law firm. Whereas other firms may specialize in areas like car accidents or nursing home abuse, mesothelioma law firms focus primarily on mesothelioma and other asbestosrelated diseases. Its not recommended to retain legal representation from a general practice law firm or even a personal injury firm that specializes in a wide array of injury cases. Youll need an attorney who specifically specializes in mesothelioma cases, as these types of lawsuits are extremely intricate and require vast, indepth understanding of asbestos exposure and diseases. Attorneys at these law firms have knowledge and experience regarding federal and state laws concerning asbestos use and its history in the workforce. They also have sharp investigative skills and are able to dig deep to uncover when and where companies andor other entities exposed workers to asbestos. Additionally, these law firms are comprised of educated attorneys who understand the legal process involving courts, trials, settlements, and appeals. review of Our Services Dale R.When dad was diagnosed with mesothelioma, our world was turned upside down. Not knowing what to do next, I researched and interviewed many firms. Some firms were nothing more than marketers. Others offered up call screeners to take my name and number. And then there was Mesothelioma Lawyer Center. It was with them that I found peace, knowledge and professionalism. They have done everything they said they would do and then some. Contacting Mesothelioma Lawyer Center was the best decision I could have made for my family. Dale R. Moreover, an experienced firm understands that the victim is already suffering enough because of the medical and financial problems associated with asbestosrelated diseases. As a result, the firm will handle most everything regarding the lawsuit, including fighting for the legal rights of the client, interviewing witnesses, obtaining medical history, litigation, and more. An experienced law firm also understands the severe emotional impact that living with mesothelioma brings, not only to victims, but to family members and loved ones as well. An good firm takes this into account and helps ease the minds of victims and their loved ones throughout this enduring process. What Should I Look for When Hiring an Asbestos Law Firm Unfortunately, not all law firms specializing in mesothelioma are the same. While some may have several years of experience, other firms are relatively new to the area of mesothelioma. In addition, some law firms may concentrate on other areas of law besides mesothelioma while another firm may solely focus on asbestos cases. Aside from using your good judgement when determining which law firm you should use, there are several factors you should consider The law firm should have experience in dealing with mesothelioma cases. The law firm should be extremely knowledgeable in asbestos laws and prior cases. Look for a law firm that focuses solely on asbestosrelated cases. Look for law firms with a stellar reputation in handling asbestos cases. The law firm should not only understand asbestos laws, but should also have extensive knowledge of medical problems associated with asbestos diseases. The law firm should always keep you updated on whats going on in your case. Although attorneys are busy people, they should be accessible. You should always get an initial consultation at no charge before deciding on a firm. Keep in mind that its not recommended to retain a law firm that promises you that you will win your case no matter what. Although statistics show that the majority mesothelioma victims do go on to win their lawsuits, there are a variety of factors involved, and no case is guaranteed. An experienced law firm will help you to understand your chances and what is involved, but will never assure that your case is 100 guaranteed. Making Things Easier Although a law firm will do the majority of your case work, its always a good idea to be prepared and make things easier so that the process gets rolling faster. First, make sure to gather your medical documents, including when and where you were diagnosed, and bring this information to your initial meeting. This will allow the firm to determine if your case can be taken on. Next, be prepared to provide the law firm with your work history and information including the full company name, address, phone number, your job role, and how long you worked there. Finally, start keeping track of all expenses used pertaining to your disease. For example, always keep a copy of medical bills, hospital visits, mileage used to get to appointments, medical supplies, and anything other expense you paid out due to your illness. How Can a Law Firm Personally Help Me When first getting started, victims usually have a plethora of unanswered questions regarding asbestos and their rights. A good law firm should be able to provide you with following information Evidence Related to Your Exposure Once you provide the law firm with your work information, they should be able to investigate and determine how asbestos was used at your workplace. In some cases, they may already have the information available. If You Truly Have an Asbestos Claim Asbestos law firms understand whats needed in order to have a true asbestos claim. With this knowledge, they are able to determine how strong your case is and what the estimated chances are that youll win. Most attorneys make sure theyre confident in your case before taking it on. Be wary of any attorney who promises to take your case without knowing any of the details or an attorney who claims they can get you an exact amount of compensation before reviewing your case. Your Case Worth If the firm decides you have an asbestos case, they will then be able to come up with an average figure of how much your case is worth. This is including past expenses, daily expenses, medical bills, lost wages, emotional trauma, physical suffering, future expenses, and much more. Keep in mind, however, that there is no set formula as to how much your award amount may be. The aforementioned factors, along with other details, such as if your former company has a trust fund set up or not, will also come into play. Who Exactly is Responsible It can be difficult for the average person to determine who exactly is responsible for exposing victims to asbestos. For example, companies can move, go out of business, hide, suppress relevant information, and change ownerships. In some cases, your former company is responsible, the manufacturer of the asbestos products may be responsible, or supervisors andor owners may be responsible. In other instances, there may be just one sole responsible entity, yet in a different case, there may be several responsible parties. Remember that part of the law firms job is to research, seek out, and determine the entity or responsible parties that are liable for your exposure to asbestos. Forex Tutorial: What is Forex Trading? Casey Murphy Introduction to Currency Trading What is Forex Trading? Reading a Forex Quote and Understanding the Jargon Foreign Exchange Risk and Benefits Forex History and Market Participants Economic Theories, Models, Feeds & Data Fundamental Analysis & Fundamentals Trading Strategies Technical Analysis & TechnicaI Indicators How To Trade & Open A Forex Account Forex Tutorial: Currency Trading Summary What Is Forex? The foreign exchange market is the "place" where currencies are traded. Currencies are important to most people around the world, whether they realize it or not, because currencies need to be exchanged in order to conduct foreign trade and business. If you are living in the U.S. and want to buy cheese from France, either you or the company that you buy the cheese from has to pay the French for the cheese in euros (EUR). This means that the U.S. importer would have to exchange the equivalent value of U.S. dollars (USD) into euros. The same goes for traveling. A French tourist in Egypt can't pay in euros to see the pyramids because it's not the locally accepted currency. As such, the tourist has to exchange the euros for the local currency, in this case the Egyptian pound, at the current exchange rate. The need to exchange currencies is the primary reason why the forex market is the largest, most liquid financial market in the world. It dwarfs other markets in size, even the stock market, with an average traded value of around U.S. $2,000 billion per day. (The total volume changes all the time, but as of August 2012, the Bank for International Settlements (BIS) reported that the forex market traded in excess of U.S. $4.9 trillion per day.) One unique aspect of this international market is that there is no central marketplace for foreign exchange. Rather, currency trading is conducted electronically over-the-counter (OTC), which means that all transactions occur via computer networks between traders around the world, rather than on one centralized exchange. The market is open 24 hours a day, five and a half days a week, and currencies are traded worldwide in the major financial centers of London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris and Sydney - across almost every time zone. This means that when the trading day in the U.S. ends, the forex market begins anew in Tokyo and Hong Kong. As such, the forex market can be extremely active any time of the day, with price quotes changing constantly. Spot Market and the Forwards and Futures Markets There are actually three ways that institutions, corporations and individuals trade forex: the spot market, the forwards market and the futures market. The forex trading in the spot market always has been the largest market because it is the "underlying" real asset that the forwards and futures markets are based on. In the past, the futures market was the most popular venue for traders because it was available to individual investors for a longer period of time. However, with the advent of electronic trading and numerous forex brokers, the spot market has witnessed a huge surge in activity and now surpasses the futures market as the preferred trading market for individual investors and speculators. When people refer to the forex market, they usually are referring to the spot market. The forwards and futures markets tend to be more popular with companies that need to hedge their foreign exchange risks out to a specific date in the future. 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