Author Archives: schatzi

Car Insurance – The First Thing to Do

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To buy a new car it is very important to shop around. This will help you to find a car that you can afford and also meets all you’re every need on the road. We all obviously would want something that would be for the long haul or at least as long as we still want to have it.

The importance of shopping continues when looking for car insurance policies. As insurers differ so do their policies and their rates. So to be able to get one that is adequate and won’t empty your pockets, you need to consider online quick auto insurance quotes.

Policies differ among insurance companies just as cars are different and therefore attract different insurance rates. Insurers take into consideration the cost to replace or repair a car when such is needed. Insurers also look at how the car owner handles the vehicle or is likely to do so from whatever data they might have on the applicant from his or her history.

Cars known for reliability attract excellent rates for your auto insurance coverage. This is just to restate the fact that your choice of car is very fundamental to the rates you would pay.

You will be needed to provide some information.

There are important information that you would have to provide to be able to get a quick auto insurance quotes. When you are filling out the form for a free quick auto insurance quotes, information like the type of car to be insured, you location and some other questions would be required of you.

It is necessary that you know the points on your license because you will need them if you want to receive a correct quote. Lying will do you no good since it would result in a wrong quote that would be useless to you.

Silver Bullion Bars – The Two Name Brands You Should Always Buy

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Silver bullion bars, also referred to as silver ingot bars, generally consist of 99.99% silver and range in size from one ounce to 5000 ounces. The 10-oz and 100-oz sizes are the most popular with investors. The 5-oz, 25-oz, and 50-oz size bars, which were produced in the early 1970’s, are difficult to find. However, the diligent collector can sometimes find these silver bars on popular online auction sites such as eBay.

Unlike silver coins, silver bullion bars are first and foremost an industrial product. They are intended to be used as a storage means and are consider a trading medium. They are very liquid, but should be purchased strictly as an investment and not used for bartering purposes.

Some of the advantages of owning silver bullion bars are:

  • Uniform size, making them very convenient to store and easy to handle.
  • Compact size, making them ideal for investors who want to secure a large amount of wealth in a relatively small storage area.
  • Recognizable hallmarks, making them readily accepted for resale and easily convertible to cash.

The 100-oz silver bullion bars are often called investment bars, because collectors who buy them usually do so for investment purposes, not as a hedge against inflation. These type of collectors will often sell when silver prices go up. The 100-oz silver bullion bars are desirable because they offer a low markup over the spot price of silver, although they aren’t as flexible as the 10-oz variety.

The most popular silver bullion bars are created by Engelhard and Johnson-Matthey. Although they are two of the world’s largest refiners, they have not mass-produced silver bars since the mid-1980s. This means Johnson-Matthey and Engelhard silver bars are only available when other investors decide to sell. More readily available are the 100 ounce Wall Street Mint and Sunshine Mining bars. The English Sheffield and Handy & Harman bars can be obtained, but are more difficult to find. The most popular size is the 100 troy ounce silver bar produced by Englehard, an American company.

Engelhard is renowned for producing quality silver bullion bars that are accurately stamped with the exact pureness of the silver that is contained in the bar. Investors know that the Engelhard symbol assures them of the ability to buy and sell silver bars with total complete confidence, anywhere in the world. Because of their low premium over spot, compared with silver bullion coins, the 100-oz Engelhard silver bars are an excellent way to invest in silver bullion.

Forex Auto Trading is a Way of Protecting You From Using Emotion in Your Decisions

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Before you enter the real world of trading investments on the Forex market, it is suggested you open a dummy account and use paper trade until you’re making a consistent profit. There are too many people who jump feet first into the Forex market and end up losing a lot of money before fully understanding how it works. This is why many take their time learning to trade properly before committing significant capital. Other people get into Forex auto trading where a program does all the work of finding where you should invest money. Some people use both methods and have a Forex broker to help them learn the process.

It helps to use Forex auto trading because the majority of the work is done by a robot. It will use mathematical algorithms to monitor the eight different currencies and ebbs and flows of the foreign exchange market. There will always be some fluctuations in the market, but the automated system doesn’t pay a lot of attention to the ups and downs and more on where profits can be made despite the everyday process. It also protects a person from trading and getting involved with emotion or speculation. It’s important to not keep track of mental stop-loss points if you aren’t capable of executing them at the appropriate time. This why using a automated system is beneficial, because it will make sure the stop-loss and take-profit points happen automatically.

The goal is to make money, but it can become difficult if you let emotions rule decisions. One day you can make a significant amount of money, but because you don’t get out in time, all of it is lost and more. This is another reason why Forex auto trading will help you make the correct decisions at the appropriate time.

Facing Foreclosure? Chapter 13 Bankruptcy Can Help

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There are many people across the country that are facing rough times in their lives due to the state of the economy. Many jobs have been downsized and even eliminated. Foreclosure has spread across the country claiming new victims daily. Many people feel like they have no choice but to accept the fact that they have lost their homes due to circumstances beyond their control. The banks say they will help people that fall behind in their payments but there is only so much they can do.

Chapter 13 bankruptcy is an option that many people are afraid to consider. They think they will lose all that they have anyway so why bother. This is simply not the truth. When you are faced with a foreclosure, a chapter 13 bankruptcy may be just what you need to get you through the tough times and back on the road to financial stability.

A Chapter 13 bankruptcy allows you to pay off your debts for just pennies on the dollar. Once you have filed for bankruptcy, there is an order put in place that ends all harassing phone calls from creditors and that protects your home from foreclosure. As long as you continue to follow the steps involved in the bankruptcy filing you can stay in your home and get back on track.

In order to file Chapter 13, you must make a list of all creditors to which you owe money. This includes any old debt that has been following you around for years like old medical bills. You should include any loans, both secured and not secured, and the total amount that you are behind on your mortgage. All of these bills will be considered in the Chapter 13 bankruptcy. If your home is currently in foreclosure, you can halt all proceedings and let the government negotiate a payment schedule for you.

You may also decide to include any auto loans that you have. If you have had poor credit in the past and are paying a very high percentage rate on your vehicle loan, including it in the bankruptcy is a great idea because you will likely receive a lower interest rate and the payments will be included in your monthly Chapter 13 bankruptcy payment. This will all depend on the age of the vehicle and how much you owe on it but a bankruptcy attorney can give you all of the details.

Your bankruptcy attorney will calculate the total amount that you owe out to your creditors and any funds that will stop the foreclosure and will come up with a repayment plan. They will allow you money out of your income to live on and to pay your daily and monthly expenses like your utilities and the rest will be paid to a trustee that will apply the payments as needed. Your creditors will be sent a notice that you have filed for Chapter 13 bankruptcy and they will be given a deadline to submit their claim. If they miss the deadline, they miss their opportunity to collect and the bill will be cleared without payment.

Foreclosure is a monster that can be beat. Chapter 13 bankruptcy is one means to remove the threat and to relieve some pressure while you overcome the obstacle that got you into this position. It is nothing to be feared, and can actually give you a sense of relief.