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EUR/USD Currency Pair

January 12th, 2019 Comments off

EUR/USD is the most liquid and the most popular currency pair among the forex traders. Trading currencies can be exciting and lucrative. Its a great market because of the way politics affect the trends. Elections, strikes, and sudden developments, both good and bad, can lead to significant trading profits if you stand ready to trade the euro is a convenient currency because it encompasses the policies and the economic activity and political environment of a volatile but predictable part of the world: Europe. EUR/USD is the most heavily traded currency pair in the global currency markets at the moment.

In the United States, where the free-market approach and a usually vigilant Federal Reserve make more frequent adjustments on interest rates. France, Italy, and Germany, the largest members of the European Union (EU), normally operate under high budget deficits and tend to keep their interest rates more stable.

Fed changes its interest rates frequently keeping in view its inflation and unemployment targets. The general tendency of the Fed is to make the dollar trend for very long periods of time in one general direction. Here are some general tendencies of the EUR/USD currency pair on which you need to keep tabs aside from the technical analysis:

1) Given Germanys history of hyperinflation in the first half of the 20th century and the repercussions of that period, namely the rise of Hitler, the European Central Bank (ECB) is almost fanatical about inflation. That means that the European Central Bank raises interest rates more easily than it lowers them.

– The European Central Banks actions become important when all other factors are equal, meaning politics are equally stable or unstable in the United States and Europe, and the two economies are growing. For example, if the U.S. economy is slowing down, money slowly starts to drift away from the dollar. In the past that meant money would move toward the Japanese yen; however, because the market knows that Japans central bank will sell yen, the default currency when the dollar weakens is often now the euro.

– The flip side is that the market often sells the euro during political problems in the region, especially when the European economy is slowing and the economy in the United Kingdom (UK), which often moves along with the U.S. economy, is showing signs of strength.

As a word of caution, its okay to form an opinion and have some expectations, but the final and only truth that should make you trade is what the charts are showing you. As usual, you want to closely monitor major currencies and the cross rates. The direction that counts is the one in which the market is heading.

It is always best to choose only two or three currency pairs and become a specialist in them. Two currency pairs that I would recommend for you are the EUR/USD and the GBP/USD. Both these currency pairs are highly liquid and very popular among the currency traders. Fundamental analysis can help you determine the strong/weak currency pair. Use fundamental analysis to determine if USD is expected to lose value and EUR is expected to gain more strength that means that the currency pair EUR/USD is perfectly timed for swing trading. Use technical analysis to make the entry and exit decision. Combining fundamental analysis with the technical analysis can give you the edge as a forex trader. Sometimes there is a fundamental shift in the direction of a currency pair. As long as you are not following a currency pair like EUR/USD on the daily basis, you wont be able to understand what is happening.

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Medical Insurance For College Students

January 12th, 2019 Comments off

While all grownups get coverage from their jobs, it might be a little different in the case of college students. Not every student has good medical insurance and consequently, might have to look at their options in order to account for their health coverage. This can get tricky and might require the help of someone knowledgeable to understand how to go about it and get the kind of coverage that is affordable as well as adequate for their needs. There are some distinct options available for college students to choose from and depending on their situation, they can opt for one of them.

The first option that college students have for medical insurance is to just go in for the health plan offered by the college. All colleges today have some sort of health plan that you can choose from, and it is important to know the kind of medical insurance that is being offered by your college so that you can be sure that your protected and are covered in case of an emergency. In fact, most colleges today have tie-ups with leading healthcare providers to bring very good policies at extremely nominal rates.

The second option that you have is to join the family health plan. Since most parents have healthcare from their company or have purchased healthcare on their own, there might be provisions for children to be add-ons in these plans for some extra amount. Usually, the child can be on the plan for up to 24 years of age, regardless of the physical location of the child. Hence, even if your child goes to a college in another state, you will get some kind of reimbursement if he ever makes use of the healthcare near her/his campus. This is a convenient option, and is used by a significant number of parents today.

It is wise to do research before choosing on either of the above options. Often, medical insurance is probably the last thing on the mind of the parents and the students before heading out to college. Luckily, most colleges are readily equipped to offer medical insurance for the student even if they havent seriously considered the prospects of getting one before heading away from home.

On the other hand, if you feel that your health coverage is better than what the college offers, talk to your insurance company and have them know about you adding your family member to the plan. Most companies will be okay with this, unless they have specified some rule earlier on that prohibits you from doing so.

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Affordable Health Insurance For Beginners

January 10th, 2019 Comments off

Health insurance doesnt always have to be costly and it is possible to have health insurance for low monthly rates as well. There are a number of options when it comes to choosing health insurance and you dont always have to go in for the most expensive one.

In fact, many people who want health insurance think twice before getting independent coverage because they wouldve heard from someone or somewhere that individual insurance is very costly. This is not entirely true and one can go in for easy and affordable health insurance as well. The only necessity is that you need to do some research before you can make your final decision.

The first thing about affordable health insurance that you should be aware of is that it should not be confused with cheap health insurance. Affordable doesnt necessarily mean inferior quality health insurance. There are companies out there offering affordable health insurance that has decent coverage. The only thing is that you need to get out there and do some research and get to know which those companies are so that you dont end up opting for the wrong ones. Always read the fine print before signing up with anything and make it a point to not sign on anything without knowing all information about it.

Next, you can even work out a solution wherein a bunch of you looking for individual health insurance can go in together as a group. Insurance companies like it when buy the insurance policies in bulk and will give you better rates if you go together rather than buying it separately. Also, you might get some more benefits in additional to lower costs if you do buy it as a group. The company might offer more coverage or might even give you additional options since you are going to be buying a high number of policies together.

Hence, when you do venture out to shop for health insurance, keep in mind that you are not alone and that you do have additional options to choose from. The only requirement is perhaps to do some research and learn about the different options so that you are informed before making a final decision. If you feel even that is too much, there are a number of independent brokers in the market who are willing to provide you information in exchange for a commission or a fixed fee.

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Medical Insurance and the Uninsured

January 10th, 2019 Comments off

Medical insurance is something that everybody should have in today’s world. The growing cost of seeking care from a health professional, urgent care center, or a hospital makes it financially dangerous for anyone to live without some type of health care insurance coverage.

Research has shown that nearly 40 million people in the US are currently without health insurance. Many either work for an employer who does not offer a health care plan, are self employed, or work part-time and are not eligible for medical coverage from their employer. These people are at a major financial risk and are an accident or illness away from potential financial ruin.

There is a large segment of working Americans who are now being forced to turn down the coverage offered to them through their employer. The cost of the coverage is more than they can afford to pay with little options for reduced coverage plans.

The unemployed, self-employed, and part time workers simply do not earn enough money to afford a good health insurance plan. Many despite working or drawing unemployment can afford private health insurance or COBRA or can’t get coverage due to pre-existing conditions. It is estimated that nearly 15% of the United States population currently is without medical insurance of any kind.

It is too early to determine what the long term results may be of this trend in uninsured Americans. Seeing that young children are not getting regular health care, there may be lasting effects both medically and in how health care is viewed when these children become adults.

Needless to say, everyone should obtain some form of health insurance. At some point everyone will need medical care from a hospital or a their family doctor.

Closing Comments

The 80 million uninsured Americans have options for acquiring health insurance, many just don’t know where to look or who to ask help from. Many carriers now offer high deductible plans and health savings accounts that don’t require employer participation to get.

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NC Private Communities – Bald Head Island

January 9th, 2019 Comments off

If privacy and island living is what you are seeking, then Bald Head Island is right for you. As the southernmost island in North Carolinas cape islands, Bald Head Island is a 12,000 acre private island community accessible only by 20 minute ferry ride from Southport, North Carolina.

Beautiful luxury homes overlook thousands of acres of preserved lands and salt marshes. The only transportation on the island is electric golf carts and bicycles, which allow for a peaceful getaway from traffic with all the luxuries and amenities of other gated communities.

Bald Head Island features 14 miles of pristine, sandy beaches, an 18-hole championship golf course, two clubhouses, fitness facilities, tennis courts, swimming pools, a full-service marina, vast network of walking and biking trails meandering through the island, and a range of shops and restaurants.

Created by designer George Cobb, the championship 18 hole golf course at Bald Head Island is integrated into the islands marshlands, sand dunes, and marine woodlands. During the courses construction much of the preserved landscapes were left untouched.

Tennis players will love the four soft-surface tennis courts at Bald Head Island. The club house also has exercise rooms, mens and womens locker rooms, and a resort style swimming pool. There is also a second swimming facility at the Shoals Club that has a lap pool and kiddie pool.

The ten acre Bald Head Island harbor and marina has boat slips from 30 to 100 feet in length. From the marina residents have access to the Cape Fear River and the Atlantic Ocean.

If you love food, you can enjoy the casual and formal dining or shop at the islands grocery store for all your supplies you’ll need on your stay.

Bald Head Island has it’s own fire and police department. All the firefighters are certified paramedics, and the fire department has a basic medical treatment room in the case of medical need. If an emergency arises, transportation is available to one of the nearby hospitals on the mainland.

Customized residential houses, villas, town homes, and buildable home sites available to purchase through the islands realty agency. If you are looking to build your dream home, a featured builder program offers custom home plans to fit your needs. There is even a fractional ownership option available with prices beginning at $150,000.

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