Facts About Car Rental Insurance

Whether renting a car for business or for pleasure, the last thing anybody wants to have to worry about paying for damages to a rental vehicle should it happen. For this reason, there is car insurance to cover drivers who are operating a rental vehicle. Many people opt out of purchasing car insurance because they feel it is an unnecessary expense. The truth is, without car insurance a person could be liable for a lot more money than what the cost of car insurance would be if he or she were to sustain damage to a rental vehicle.

A common misconception among many people who rent a vehicle is that their personal auto insurance policy will cover them for rental vehicles as well. This is not always the case. Some personal auto insurance plans will cover a driver when he or she rents a vehicle but this is not the norm. A person should always consult his or her insurance policy or speak to his or her insurance agent to help determine if rental cars are covered on the personal auto insurance policy. If rental vehicles are not covered by the personal auto insurance policy, then the renter has a responsibility to secure rental insurance.

Car insurance can be purchased directly from the rental company. Many rental companies offer different insurance coverage plans to meet the individual needs of the renter. The car rental insurance premium is calculated by a daily rate and in some cases a weekly rate if a person is planning an extended rental period. The premium amount is added to the rental fees and paid for all together. A renter would have to opt for and purchase car rental insurance at the time of rental. It cannot be added at a later time. This alleviates the possibility of insurance fraud.

Purchasing car insurance is not always necessary when renting a vehicle. Some major credit card companies offer cardholders perks such as car rental insurance just for being a member. To be eligible for car rental insurance through a credit card company, that exact card will have to be used to secure the rental. Not all credit card companies offer this perk to its members. A person should always call and consult with an agent from his or her credit card company to determine if he or she has this coverage and what the eligibility requirements are to take advantage of this perk.

Despite the concerns of many individuals, car insurance is a solid investment. The cost for car rental insurance is far in comparison to the costs a person would endure if he or she would have to pay for damages out of pocket. Car rental companies always offer car rental insurance as an option at the time of rental. Some people may qualify for coverage either through their personal auto insurance or through their credit card company. They should always consult their insurance agent or credit card company to ensure they have coverage.



Source by Nelson McWilliams

Magic Formula Investing to Improve Financial Returns

Magic formula investing is an effective investment method outlined by Joel Greenblatt. This technique helps to make good money within short investment period. This investment became more popular in 2009 because of its unique features and procedures. There are certain facts that need to be considered before investing in magic formula investment program.

First, all the credit card debts need to be cleared before starting this program. Higher interest rates debts and auto loan should be cleared. This formula helps to get the benefit of constant return from the investment and all the procedures are mostly based on value investment techniques. Also, this investment plan is well enhanced with different trading amounts.

Second, before implementing this program, if a person wants to fund their account, then they should create an emergency account themselves. This emergency cash funds are very helpful during unpredictable expenses such as auto repairs or medical expenses. Also, emergency account serves as a great tool to evaluate the monthly expenses.

This formula depends on many important components, but building and maintaining the right investment portfolio is the critical component. The steps for building the right portfolio are choosing stocks with minimum market capitalization of about $ 50 million or more, exclude stocks of financial and utility companies, and exclude stocks of foreign organizations.

Selecting the right stocks with minimal market capitalization can be easily realized by following few steps. First, company's annual earnings yield and return on invested capital need to be determined. The stocks should be chosen by ranking them to find stocks that are above market capitalization threshold. The ranking can be done based on return on capital and earning yields per year.

Then, one can invest in stocks that are in 20 to 30 rankings in the list. In addition, the stock's performance should be analyzed in twelve months time-frame. The highest performing stocks start accumulating 2 to 3 positions monthly in a year. Every year the portfolio requires re-balancing and this inclusion selling poor performing stocks and sometimes even high performing stocks.

Poor performance stock need to be sold before one week of the one year mark and the high performance stocks can be sold after one week from the one year mark. By systematically following these methods for about 3 to 5 years, one could easily enjoy the benefit from this investment technique. This investing method is the best turnover strategy and it is very simple to understand. This strategy is totally logical, simple, straightforward, and gives exceptional out-performance.



Source by Alex Garcia

Auto Repair Basics: Opening Your Hood

Too many auto repair articles and videos assume a certain level of knowledge on the part of the reader / viewer. While it's nice to not feel condescending to, the truth is that many car owners know next to nothing about their vehicles. They know how to drive and change the radio station, but that's about all. And frankly, with a good mechanic no more than a phone call away, it is not always necessary to know much more than that. Of course, taking the first hesitant steps into doing your own car work (or even checking your oil) requires expanding your knowledge just a bit. So here's how to pop the hood.

The Lever
More often than not (at least if you drive a car made in the last twenty years), the first step to opening the hood will actually start inside the car. The lever for doing so will be located in a different place on every vehicle, but it's under the dash more often than not. It will usually-but not always-be a much larger lever than those used to pop the trunk and the gas tank, but it works in a similar fashion. Check your owner's manual for your car's location. Just give it a tug and you should hear the hood release pop open.

The Safety Latch
You're not out of the woods quite yet. To prevent the hood from accidentally flying open during vehicle operation, all cars are equipped with a safety latch. You'll need to press this in and lift the hood simultaniously. This is another situation where it's different on every model. Just pull the hood up as far as it will go and then feel around with your fingers until you come across it. If you're having trouble finding it, there should be a diagram in your owner's manual that will show you where to look. Press it in (or pull it out) and you should be able to lift the hood completely and access the engine for auto repair.

Keeping It Open
Hoods work in one of two ways: they either stay up on their own or have to be propped with a rod. If yours stays up on its own, congratulations! You're all done and you can commence to checking the oil, changing the spark plugs, or any other auto repair you had in mind. If you need a prop rod, you should find it located on the right side of your engine compartment. It will be connected to the car on one end and loose (well, held in a small latch) on the other. Pull it up and put it into one of the holes on top of the hood. Set the hood down gently and make sure it is not going anywhere. That's all there is to it!



Source by Alfred Ardis

Discover How You Can Get Cheap Car Insurance Rate And Minimize The Costs Of Your Car Insurance!

Getting cheap products and services are in everyone's mind nowadays since everything seems to have higher prices now compared to decades ago. Car drivers are facing problems with the hiking prices of goods and services. Petrol prices are getting steeper and governments seems to impede higher road taxes nowdays. For a car driver, getting cheap car insurance is no longer an option but it is now a necessity. Having cheap auto insurance can help car drivers to reduce their costs of owning a car. Car drivers are encouraged to practice some steps in order to get lower rates.

Firstly, a research companies insurance is very important to determine the cheapest auto insurance one can find. Online research is so far the easiest way to obtain a lot of quotes. Most insurance companies have their own websites to help potential customers get details and insurance quotes when they are looking for any type of insurance. There are also insurance comparison sites which car drivers can browse around to compare rates between several insurance companies. A research of insurance companies is very important as different insurance companies offer different rates.

Next, having secured cars also helps car drivers to be in a better position to get cheap car insurance. Secured cars are cars installed with adequate safety measures to avoid damages and thefts happening on the cars. When car drivers choose to fit in safety devices for their cars, this not only help to make their cars more protected from any sorts of mishaps, but also guarantee them a spot in getting cheap auto insurance. Car drivers should also get a safe parking space for their cars to minimize the risks of theft and accidents.

Beside that, car drivers with good driving history will have better chances to obtain a lower rates. Insurance companies will offer car drivers with lower drives driving profile lower rates as they are in lower risks to make claims from their respective companies. Therefore, car drivers should brush up their driving profiles in order to secure lower rates.

In addition, the type of cars owned by car drivers will also determine the rates. A car driver owning an expensive car will be guaranteed a higher rate. This is because the fees of repairing an expensive car tend to be very high when the car is damaged. The insurance company insuring the car also needs to pay big amount of money to the car owner when the expensive car is being stolen. Therefore, car drivers who want to get cheap car insurance should consider getting a sturdy and cheaper car which is less sooner to accidents and thefts.

An excellent car insurance is a insurance which is able to provide adequate coverage for a car and its driver yet manage to help the insurance policy holder to minimize the costs.



Source by Crex Sky

Easily the Best Way to Learn to Trade Forex

If you want to learn to trade forex, you're far from alone. Each day hundreds and thousands of would be traders blindly throw their hats into the forex ring with no more preparation than watching a few hours of financially aimed programming.

The best way to learn to trade forex is to acquire a demo forex account as there is no substitution for the real first hand experience. Through a demo account you can trade under the same conditions as real traders, but without having to risk a cent of your own money. Instead, you'll be trading with and keeping track of an amount of virtual money. This encourages you to make the learning mistakes which you would otherwise be unwilling to make had it been your real money that you were trading with. After a couple of months and number of successful trades under your belt, you'll be ready to transition into the real thing.

Beyond a demo account, there are steps you can take to lower the overall trading risk factor, as well as learn to trade forex a great deal more efficiently and accurately. Forex systems or software has been developed in recent years to make the trader's job that much easier. Some of the more reputable models easily and more than adequately take the place of a broker, which in the past was unheard of altogether.

Forex software first auto trades on your behalf in times when you are not able to. You determine just how much independence that your program has over your account, many traders leave their auto traders on autopilot. In this way, forex software is ideal for beginners as well as more experienced traders who simply do not have the full time to devote to it.

Arguably the best aspect of forex software is that it anticipates emerging trends in the market, both positive and negative, allowing you to trade accordingly and jump in and out of the market at peaks times. These trends are predicted as the program regularly analyzes market data and feeds it into pre-designed mathematical algorithms which yield remarkably accurate predictions.

They are able to be as precise as they are because said algorithms are tested for several months in advance, sometimes extending over the course of a year, to get an adequate slice of the market time and they are tweaked until the trends which they generate completely align with the real market data as it happens. The best trend indicating programs are hands down the best way to trade confidently and early and if you want the best information affecting your trades. It's a great way to learn to trade forex as reasonably and reliably as possible.



Source by Max Branner