Book Review - Why are we so Clueless about the stock market?

Are you in the dark about the stock market? If so, or if you are not sure, Mariusz Skonieczny's book is for you. Why are we so Clueless on the stock market? is a quick read of 150 pages that focuses on the principles expressed by some of the most successful investors in the world. MagicDiligence recommends the book for both new investors and experienced investors who are looking to "get back to basics".

First chapters of the book covers a fact that often gets lost in the din of the forecasts of trend following technical and macro-economic: under a title is a business, and the result of these activities determines the outcome of an investment in its stock, the long term. Skonieczny briefly outlines what a business, and then talks about how a business creates wealth for its owners. For companies listed on public markets, the owners are equity investors. I liked how the book follows the example of a master lemonade stand, starting with "why start the stand"? The answer, of course, is to earn a better return on investment of capital that can be achieved through alternative solutions, such as a savings account. The author then goes through the factors that can erode the returns on capital, particularly competition, and how to have an economic moat protects against this.

Subsequent chapters cover the other points that investors should consider, such as diversification, broader economic trends, investment and more IPOs. MagicDiligence found most useful of these chapters to be those related to the assessment, complete a series of discrete, real-business examples. Mariusz has a slightly different method for inventory valuation and then discounted the traditional method of discounting free cash flows. Is done in a similar way, though. An investor with his method should use a range of expected growth rates, estimated a final P / E ratio, assign a required return (discount rate), and also estimate a payout of dividends over a period of 10 years. Using these, we can determine two components of the final return is the value of capital stock and dividends paid. Add these two together and you get a share price target. Using the range of targets, we compare against the current price to see if there is a significant safety margin. If there is, you buy.

These examples are very well documented too - the graphics of the book can be easily converted into a spreadsheet. Skonieczny also provides a little 'help, providing a "normal" range of discount rates, as well as using historical data to assign other values. I liked this approach. While the discounted cash flow free (DFCF) is the theoretically correct method for the value of a warehouse, in this way is concentrated on the estimation of the potential returns to real life. DFCF not really adjust to the realities of the stock market, as the average P / E ratios that differ by industry, or its payout of dividends between different companies.

Another chapter that I found particularly interesting described in a concise but complete as such, large reputable companies like Fannie Mae (FNM), Freddie Mac (FRE), AIG (AIG) and Long-Term Capital Management can implode in a matter of weeks. While the Magic Formula screens specifically financial companies such as these, which is absorbing reading about how debt can quickly destroy these companies. The explanation of leverage, why companies use it, and the dangers of using it was great.

Mariusz Skonieczny obviously shares many of the same influences as MagicDiligence. Why are we so Clueless ... corresponds exactly with Magic Formula Investing (MFI) using return on investment to determine what is a good deal and what is not. But the duration of that quality requires an analysis of the competitive advantages that this book and MagicDiligence believe is best explained in Pat Dorsey two books (The little book that builds wealth and the five rules for successful stock investment) by factors As regulatory barriers, unique goods, and economies of scale. MFI shorthand for the evaluation, the final performance gains can also be improved with a future-oriented examination like in the book. If the final performance gains is not sustainable, or if the earnings yield is not outside the realm of historical evaluation, the title can not be that cheap. This type of analysis to protect investors magic formula to buy into "value traps".

Finally, the brevity of the book may be its single greatest asset. Commonly cited investing primer, such as security analysis of Ben Graham, are, frankly, very long and mostly boring reads, whose salient points were extracted and compiled effectively in numerous shorter books, including this. Keeping the focus and not getting too technical, Skonieczny presents only the important parts of successful investment fundamental. For beginning investors, this is a very good background. Experienced investors value can not find a lot of new material here, but it's still a good refresher for staying the course ....

Southern California Individual Health Insurance Quote - Low Cost Online Quotes

Looking at low-cost Southern California individual health insurance quotes online? This article will give you some basic information about health insurance Southern California, then you give link at the end where you can get cheap California health insurance quotes instantly!

California Health Insurance Plans

Choose from all the different health insurance plans can be a real pain. There is a plan most suitable for everyone. A good program for a family, can not be a good plan for you. In order to help narrow down your choices for health insurance, here are some items to pay particular attention to.

This is a Biggie. The annual amount of the deduction. For an individual, deductibles can range from $ 500 to $ 5000 a year. The amount you choose will make a huge difference in the monthly premium to pay. If you plan to stay in relatively good health, a (HDHP) Health Plan High Deductible can be a good choice for you.

For others who need healthcare the most frequent, a lower deductible would be the best choice. With a little time to study health plans, you will be able to make a better decision before buying. Today's health insurance plans to offer greater flexibility than ever before. You can take a basic plan, adding preventive care benefits, and do a complete low-cost health plan that is right for you.

California Health Insurance Quotes

One of the best ways to learn more about California health insurance is to go to an insurance quote website and request free quotes. Immediately after you complete their short form, you will have lower cost HSA, HMO, PPO, and POS quotes while still online. Once you have your quotes, compare plans and visit their websites for more detailed information .......

Investing - Options Trading Basics

The options can be a good way to invest your money, even if they are not rich to begin with. If you already have a basic knowledge of trading in shares and bonds, you are well aware of the wide range of strategies that can be used. Everything from the basic buy and hold for those using complicated technical methods of analysis are used. Similarly, there is a similar series of strategies, which can be used for the exchange of options.

Essentially, the options are contracts giving the right to buy or sell a specific stock, bond or other underlying instrument at a particular pre-determined price within a specified timeframe. Options, which give an investor the right to purchase, are known as call options, while those that give the right to sell put options.

The investor may act at any time up to and including the expiration date, if one takes what is known as an option "American", while those known as "European" options may be granted an effective date. There is no real geographical difference in these types of multiple options, even though they historically belong to the United States and Europe. American options are often used for stocks or bonds, while the European versions are commonly used for indexes.

The date usually falls on Saturday after the third Friday of the month in which the option contract. Since most investors will be able to contact a broker on Saturday, and U.S. exchanges closed, the due date will actually be the third Friday of the month.

With an investment in an American style option, for example, an option in shares, there are two possible outcomes. The investors can wait for the expiration date, or may act before the option is mature. (Obviously, for a European style option there is no such decision to be made). Many investors do not wait for the expiration date before you do anything, no matter what option they have.

A typical choice will be for a hundred lots of action. If the investor is buying a call (right to buy) option for two dollars in a way that has a strike price of twenty dollars, then this will cost them (2 + 25) x 100 U.S. dollars, which is $ 2700 , plus commissions. As long as the market price is higher at twenty dollars, the investor is doing well.

If the investor believes that the price has reached its peak before the due date, it is unlikely to recover again, and is especially twenty-seven U.S. dollars, which then can sell quickly and make a good profit.

It can also be sensitive to sell before maturity if the price is lower than the strike price and is likely to continue to decline, or is already very close to the expiration date and probably will not be able to recover. Leaving early can reduce the overall loss. E 'can use this loss to offset capital gains tax too.

There is a third choice, and instead to act before the expiration date or waiting for the option to reach maturity. The option is the ability to buy or sell, but does not require the investor to do so. The contract may be allowed to expire, no action or before the due date. Can result when a minor loss to let the option expire instead of using it. There is no obligation to make your purchase or sale of rights, as opposed to when you put your money in the future. Whether or not it is a good idea to give your law depends on a number of factors such as the strike price, the market price and the premium.

As with any investment, options involve risk. The rise and fall of stock prices and other underlying instruments occur unpredictably unpredictable periods of time. The price of an option can vary over time based on these fluctuations and the length of time remaining before expiration. The expiry date is an important feature of trading options, such as its distance in time to influence investor decisions .......

How to do a lot of money and generate cash flow when you're broke

I am proud of you who have decided to read this article. These methods had helped me a lot, especially when I was in college. Many of you have written me and asked me how to make money and how to generate extra money when it is broken. So many of you are still in school and a lot of employers just want to give a minimum wage and can barely survive on minimum wage. Some of you are working hard every day and live from paycheck to paycheck.

I can relate to what you're experiencing now, so hard and be ready to see big and positive changes in your life today after reading this article!

I used to save remaining food from the canteen where I worked in college, so I could survive, because they do not have the money to buy food that summer. I had to borrow money to buy my super-expensive college textbooks. So I can understand what you're going through right now.

Listen carefully to this, you can change your income significantly, and your life by changing your daily habits. You must be willing to change! You must be willing to work hard to make the changes.

It does not take an intelligent people to understand because they go broke. It means that our spending is more than what they earn. People go broke because their expenses are higher than their income!

The first thing I want to do when you're broke is to start writing your expenses on a piece of paper down to every penny of it. It's called, reviewing the equity. Want to know how much money in your bank accounts and your wallet!

You must write your expenses, income, and this is a must! You can trace what he can not see. Please listen to this, start learning how to keep track of expenses and revenue! Having a small book or a PDA with you all the time to write down your expenses and income.

You need to know how much money they have and if they have no time, you need to know how much money you want to have in the future. Make sure you write a reasonable goal that can be obtained, as from 30-Oct-I $ 300 in my savings account, and from 30 December, I will have $ 600 in my savings, and so on. Believe me, when you know that your goals and target and you know where you're going, that will give you the motivation to go there!

Now get ready for life changing methods that can help out your challenges and tests. These are the methods that will help you to change the level of income!

1. You must change your daily routine!

I like what the Bible says, "watch and observe the ants." Why would I want to watch and observe the ants? The reason why you want to be like ants, the ants are not lazy! They work day in and out, are willing to save some 'food for the winter working very hard in the summer. Believe it or not, the ants do not eat more than you earn. They know how much food to give to their colony, they know how much food they need, so you can have enough food to eat for everyone in their colony of ants. The willingness to work hard to get the food they need for the winter, even when it comes to sacrifice their lives for the life of their colony. That is why sometimes; ants will frustrate you, because they continue to come to your house until you are sure to have enough supply for every ant in their colony. They stop coming to get food when they know they have a lot of food to survive during the winter.

Listen, your time is the most valuable thing you and I! We can exchange our time to solve the problem of money for someone. Find what you're good at and use your time, talents and gifts to start making money for you.

I was good at computers, so I loaded the students and faculty of the school, if I want to fix their computers.

Early in the morning and use the day wisely to make money. Have you ever noticed that people who sleep too much and people who watch TV and movies do not have too much money? The reason we do not have much money, because they are not willing to trade their time for the money they need. They waste their time for something that will make them rich. Your time is like the energy in a battery, sooner or later will run out of it, if you do not know hot to use it wisely.

So, get up! Stop being lazy! The rich and the poor both have 24 hours a day, 7 days a week, that the rich have more hours than the poor, but what makes a big difference is the way they use their time to create wealth!

Vai to work an hour earlier and go home an hour late. You have to work harder to regulate and smarter than anyone else! Most people like to come late and leave early, that's why they are poor.

If you own your own business, be sure to give your customers the best for the dollars! It makes them want to do more business with you in the future. The next time you are tempted to waste your time, think twice!

Your everyday habits will determine your future and what you do today to decide what is coming to you in the future.

2. You must learn how to sell!

I used to buy lots of computer parts cheaply and on UBID.com EBAY.com and sold them to students who needed computer parts. Before I bought them, I asked several students if they buy computer parts from me when I got them. When I had buyers for the products, then I bought them cheap at auction sites and sell higher than the cost of their purchase.

You should be aware of the trend in your school! I remember the day when the network connection T1 was popular in our school. I sold the network cards like cakes, because back then not every computer has a network card. How about iPod? See how many people have an iPod and start selling the iPod case, covers and accessories!

Keep your eyes open to the latest trend and new things that are in your area!

You must learn to sell. Many students are hungry at night, so I made a little 'food in my fridge and sold them to people who do not have a car to go to the store!

Read books and listen to the tapes that teach you how to sell better. Use your mind to think of ways to make money.

Making a DVD rental in your dorm room! You can buy 100 DVDs on Ebay for $ 100 and make your place for rent in your dorm room! Charge students $ 1 for a day to rent the DVD! Make sure not to steal your DVD! Keep track of people who rent DVDs. 100 students to rent the movie, which is $ 100/day!

You can also start using the Internet to generate money by selling on Ebay! Ebay is a great money making tool I'm using to generate extra income these days. Learn how to make money on the Internet. Investing your time and money to learn more about ways to make money on the Internet.

I do not care how well computers, web design or to make up, but if you can not sell your skills, you will not make money in your capabilities. You must learn to sell and market their skills and learn to be good at selling.

You see, when you use the mind to think, a lot of ways to make money can come to your mind and you will never be broken ever again in your life! A lot of people are broke because they do not use their minds to think!

3. Invest 10% of your money in skills that can help create more money!

When I got to college, I did not know how to do web design and how to develop a website, but I used 10% of my income to buy books that teach me to be a web designer and developer! I took my time to develop my skills to become a web developer! Within a year of learning, I started building websites for other people on campus and have higher incomes than the rest of college students.

You need to invest in other skills that will help you make more money. If you want to make up, well you may want to invest books about becoming a makeup artist! You can charge people to do their hair and make up for them when they want to go to a party and other special events. I know a guy in college who has made money by cutting hair. You pay $ 8 for a haircut, while Super Cut pay $ 15. So people came to him for a haircut.

I knew that some students who have made painting the house to the other people in the community on weekends.

There are thousands of ways to make money when you're broke, just find the right kind of skills for you and the will to act and do it.

4. Exercise, eat well and stay healthy.

Your mind is your most powerful you will ever have in your lifetime. Your mind can help to create wealth! Then listen, "stop the body and mind!" Eating healthy, exercising and getting enough rest.

I learned that when I feel good, I think well. I can think of ways to make money when I feel good about myself.

How can you think when you have a heat pack on his head, a thermometer in your mouth and a blanket over your body? When you're sick, you can not use your mind to think! So make sure you stay healthy and well!

I remember one of my martial arts masters told me to drink alcohol. When you are drunk! You can also fight defend yourself! So how can you think of ways to get rich when you're drunk! The best way to be ready for a fight must be sober. The best time for you to think about is, when you're sober. If you like to drink lots of alcohol, you may want to consider quiting your drinking habits.

Take care of yourself and be good to you and your body. Keep your body and mind healthy and well, so they can help you think well.

5. You have to believe that circumstances today are only temporary, they will change!

High achievers do not look at their current situation, but always consider how they can be in the future. Look, you might think that your situation will never change. When you go through some trials and financial challenges, you can feel like you are not making any progress in your life, but believe me, it's only temporary. Try to extract the wisdom and understanding from the trials and challenges that are facing right now. When hard times hit us, our mind will be forced to think.

I got my motivation to work hard when I have food to eat that summer in college, my stomach was hungry, and I had to eat food remnants. I have not had a car for 6 years, believe me, it was tough, when you had to ask your friends to accompany you everywhere when you need to go somewhere.

I swore to myself that I will work hard to achieve my goals and dreams. I realized that no other body would help me except myself. I was the one who was responsible for my destiny and life. I was the one who could change my life. I swore to myself that I would work hard to have patience and determination, the will to change my daily habits, in the future, I have to eat the food left over, I can drive any car I want, and my place to live.

If you believe in God, it's time for you to kneel on my knees and really spend time with him. Pray about it, ask God to bring the wisdom and financial prosperity in your life! Do not be afraid to ask the Lord for a blessing! He is God who created you, He is the God who will give you strength, courage and wisdom to move forward! Create a special moment for you to talk to God and pray every day!

I believe in you are my friend, I believe in you! As you sit there now, I want to see yourself as someone special with a special gift and talent that can be used to get you out of trouble! The best days of your life are right in front of you! May not be able to see the days in front of you! But have faith! Have faith! You can do great things in your life! You can make a difference in your life! You have the strength and power to make your life better! I believe in you're my friend! I believe in you! Get up, get up and walk tall! Are you with a great mind to think! Your mind can help so many ways to set you free! Get up and stand my friend!

Say to yourself out loud right now as you read this aloud to repeat after me "I can change my life! I can go through this process that I'm living, I will stand tall, and will not be defeated by these tests and challenges, I am special, I am unique, and I think the best days than I have in front of me! Everything will be alright, now I swear that I will give my best to work hard for my future! I not be lazy! I will form good habits everyday now! I will not lie to myself again, when I say I will, I will, tomorrow will be a new day, and I confidently face tomorrow be a new day for me! "

Tip: How do you $ 40/hour? When I was in college I lived in a dorm and I noticed some of the guys were lazy to wash their clothes. Listen to this story carefully. So I asked them if I could do laundry for them for $ 40/hour, believe me or not, some of them were willing to give me $ 40/hour to do the laundry. Some of you may say: "I do not want someone else to do laundry." I know, but while the rest of the campus made only $ 4.25/hour, while I was making $ 40/hour. It took nine hours and a half for everyone else that he was embarrassed for the laundry of other people to make $ 40. Can you imagine how much money you have if there are nine people who want to wash clothes! 9 people * $ 40/hour = $ 360/hour. The point I'm trying to do is, you do not really need a job to make money! If you only know how to observe the needs of other people around you. You can serve the needs of those people make a lot of money.

I love each and everyone of you and with all my heart, I think you can do and you can start building your wealth today!...

Eagle Creek Centerline Load Warrior LT 30

I was looking for a discount on luggage or wheeled duffel bags in preparation for my well-deserved two week vacation away from work. Recently, the nearest shop tools travel began offering discount luggage and duffel bags wheels in anticipation of the holiday season. I'm just going on a trip of 2 weeks so I will not need a huge, bulky luggage. My options were limited to the duffel bags and since I do not like to carry a heavy load all the time, I had to go duffel bags with wheels. Of all the duffel bags discounted wheels on display, only one caught my attention: The Eagle Creek Centerline Load Warrior LT 30.

The Eagle Creek Centerline Load Warrior LT 30 is a bag with wheels for a relatively large duffel bag with his 59 linear inches (30 inches by 17 inches in size 12 inches). To help with its large, cleverly called the Warrior takes load compression straps to keep its entire cargo safely.

The seemingly large off-road wheels are integrated with a robust set of platforms, providing a smooth ride on all terrains and reliable. As an added bonus, a soft touch telescoping handle makes for a versatile and adjustable handle length.

Made with the intent to be compressed from one end, this bag duffle wheels is very similar to a book, making for an extremely easy access and packaging. It also has a handy laundry chute pocket, accessible from inside, designed to separate dirty clothes from clean, making it ideal for separating laundry from clothes reserved. There is also a lower compartment "boot", which is ideal for storing shoes and separating it from the clean dishes (my shoes seem to be too large for the compartment, but I guess other people with smaller feet may be useful for intended purpose).

Returning to its relatively large size, multiple handles have been designed in the Warrior load to make it easier to move. Comfortable handles are positioned on the top, bottom, and the center for an easy grip and go feature. This highly efficient large wheels worked fine when I tried it on ruts, uneven gravel outside the store, making it easy to roll and drag the bag around, especially with his balanced frame, which means it does not tip when left alone.

All in all, the Eagle Creek Centerline Load Warrior LT 30 is an ideal bag for short off wheels, 1 to 2 trips per week. Available in dark gray finish with silver handles and red tomatoes. I bought mine as a special discount store hand luggage and duffel bags promo wheels, but was told the clerk that is usually expressed in the midrange. Even at that price, all the features of the Eagle Creek Centerline Load Warrior LT 30 make it a reasonable purchase and well worth your money .......

Insurance Companies Listings and Evaluation guide for insurance agents and brokers

Here's the latest, revised version of the best listings of insurance companies. These are listed in a guide format top 100 votes. The lists are in alphabetical order to help insurance agents and brokers to find an insurer. Find out how your opinion compares. How do you rate an insurance company? I will mention briefly the various ways, showing the method I used for this article, and why.

NUMBER OF AGENTS

This guide lists evaluation method assesses the insurer on the number of insurance agents and brokers currently approved and under contract. with carriers. I think this assessment is not useful for a multitude of reasons. First of all there are a number of health career and life insurance agencies that have thousands of representatives. However, of these, up to 80% of the total agents are relatively new in the attempt to establish credibility in the industry. Four years down the line only 6% of many a force agency insurance company will keep the production needed to remain representatives of career.

Also, find out my results inaccuracy of this method due to the license renewal process state departments of insurance require the insurer. Most services state insurance renewal forms to send reports on an annual basis. There is a fee paid by each agent ins renewed. What makes it difficult is the variation of the bureaucratic procedures other than individual states to remove inactive reps ins. The paperwork consists of expensive, time consuming forms and procedures for the insurance company to make changes. Renew all sales representatives are often less expensive, and frequently takes the path to the insurer. This also gives the right of insurance companies to brag about how many sales people write for them.

Personally, I was shown in a state insurance department licensing records for 11 years after writing my last chance.

Insurance Co ANNOUNCEMENTS FINANCIAL RANKING
There are four or five best independent companies which use this assessment insurer of a society based on a multitude of financial factors. Much has to do with projecting the financial stability of the insurer. This is obtained by cutting closely past and present financial history. It covers areas such as investment insurance run, and the rate of return. An assessment of insurance also takes into account the amount of cash on hand, and what exists in reserves pay current and future claims.

There is a consensus among the members of the Life Insurance Association to believe that the highest rated insurers are the best of the bunch. However, members of the association representing less than 12% of the total base manufacturer. Insurance agents and other intermediaries, (the majority), I disagree that these are always the best to use for the needs of their customers. Logic tells you that a newer quality insurer has no past history to start ranking among the best. In my situation, customers have bought the one who presented it. Almost half the time it was the highest rated company by the rating agencies. But I sold to the customer what their emotional needs required. Many insurance companies with the best ranking in the past 100 after failed financially, and yet it often happens in today's world.

IN RANKING premiums earned

This is a very common type of listing and ranking insurance company for the production. Insurance companies are valued based on the total number of awards have collected that year. It seems rather unfair to mix with all annuity premiums in dollars raised. The producers know that is easier to sell an income $ 20,000 $ 20,000 premium of an insurance policy term. The other fault I find with the use of total premiums collected is with those who actually contributed a piece of premiums collected. With some companies a huge amount of these awards have not been collected from a normal person sales. A lot of institutional buyers directly bought hundreds of thousands of dollars of annuity premiums.

RATING BE IMPORTANT FOR SELLERS health and life

This is my way. How fair and balanced in terms of representative as feasible. Premiums are collected from 1,500,000 agents, trying to make a living selling insurance policies in this area. Often these sales are made one by one. Moreover, of these independent brokers 450.00, semi-independent, agents and some repetitions of writing career, depending on which company, 50% to 100% of that activity co insurance.

This method of judgment is required because I find the list of insurance companies is intended to be a beneficial directory. One that independent brokers, semi-independent agents, along with some other career can apply. This directory is a guide for other insurers that you can consider writing production.

The list of insurance companies and guide for the first 100 votes are deliberately arranged in alphabetical order instead of the data or financial rewards. You may not completely agree with the list, because we have left some companies with a high percentage of business sold annuities and investment products.

In the eyes of a typical broker health and life, this guide is for health and life insurance companies is as accurate as possible.

1. Aetna 2. AIG Life Insurance Company ** 3. Allianz Life Insurance Company of North America 4. American Family Life Assurance Co. of Columbus 5. American Fidelity Assurance Company 6. American General Life and Accident INS Co ** 7. American General Life Insurance Co ** 8. American Income 9. American Memorial 10. American National Life 11. Americo Financial Life And annuity 12. Anthem Blue Cross Aurora National Life Assurance 13 14 Aviva annuity and Company 15. 16.Bankers AXA Equitable Life and Casualty Company 17. Banner 18. Beneficial life 19. C.M. 20 Life Ins. Colonial Life and Accident 21. Columbus Life 22. Conseco Life 23. Farmers New World 24. First Penn-Pacific 25.Forethought 26. American General 27. Genworth 28. Gerber 29. Great American 30. Great-West Life and annuity 31. Guardian 32. Hartford Life and Accident Ins 33. Hartford 34. Homesteaders 35. Indianapolis Life 36. ING 37. Jackson National 38. John Hancock 39. John Hancock Life Insurance Company USA 40 .. Kansas City Life 41 .. Lafayette 42 .. Liberty Life Assurance Co. of Boston 43 .. Liberty National 44 .. Life Ins Company of North America 45. Life Ins Company of the Southwest 46. Life Investors Ins Co of America 47. Advantage Lincoln 48. Lincoln Heritage 49. Lincoln National 50. Massachusetts Mutual 51. Metropolitan 52. Midland National 53. Minnesota Life 54. Monumental Life 55. MONY - 56 America. MONY - New York 57. National Guardian 58. National Life 59. New England Life 60. New York Life Ins and Annuity Corporation 61. New York Life 62. North American Co. for Life and Health Ins. 63. Northwestern Mutual 64. Ohio National Life 65. OM Financial 66. Pacific Life 67. Penn Mutual 68. Phoenix Life Ins 69. Primerica 70. Principal 71. Protective 72. Provident Life and Accident 73. Pruco 74. Prudential - America 75. Reassure America 76. Reliance standard 77. ReliaStar 78. Riversource 79. Security Life of Denver y 80. Standard 81. Stonebridge 82. Sun Life and Health 83. Sunset 84. Surety 85. Symetra 86. Transamerica 87. Transamerica Occidental 88. Trustmark 89. Budget of the United States 90. Central Union 91. Union Security 92. United Healthcare 93. United Ins Company of America 94. Investors United 95. 96 United of Omaha. United States life 97. Unum 98. West Coast 99. Western and Southern Life 100. Western Reserve Life Assurance Co. of Ohio Note: Sagicor Life, Forest Service, and Illinois should see each other on the bottom 3 lists, instead of the companies listed above as # 6, 2, and 7.

** AIG Life Insurance Company, American General Life, American General Life and Casualty comments

This group of companies used to be one of the highest generation of high quality, high insurance companies classified in the United States. Yet, after two massive federal bailouts, the future is uncertain. Consequently, AIG Life is no longer worthy to be on this top 100 list guide.

GUIDE TO LISTING questionable Life Insurance Company

The following insurance companies insertions can often be included in some different types of charts top 100 Life Ins company if you are considering awards. Sometimes the prizes consist of a considerable amount of annuity premiums. Again, insurers would be counted, where most of the sales do not come from representatives and salespeople. Instead it is written emergency stocks by brokerage firms, independent brokerage and investment contracts not governed by the variable insurance services. In other cases, products may be directly strictly toward teachers, military, or credit unions. In a few cases, there are companies with pending litigation. A representation of this mix of insurers listed below:

1. Cuna Mutual 2. Genworth Life and annuity 3. Hartford life and annuity y 4. John Hancock Variable Life 5. Mayflower National 6. Metlife - Connecticut 7. MetLife Investors USA 8. MML Bay State 9. National 10. Life at the national level and yield 11. NYLife of AZ 12. PHL Variable 13. Sun Life Assurance Co of Canada 14. Teachers Ins and Annuity Assoc of America 15. USAA 16. Shenandoah - financial difficulties

There are a total of over 600 licensed Life / Health Companies "active" in every U.S. state. However, some are not currently writing new business. In addition, there are many active in only one or a few states, so that you will find them missing from the lists best insurance companies. Most states have a real list of 220-330 counts real life and home health offices are currently accepting new cases authorized agents and brokers.

Predition Advisor. If I choose the provider from the lists above, Forest would be my first choice as the next rising star. Its innovative niche products are starting to create a strong demand. Also look at Genworth, its stock value has grown and the company is very adaptable to market opportunities .......

Your Personal Financial Budget - The real purpose is to save and create wealth

A personal budget is a financial plan for the allocation of money that is part of the financial plan that allows you to define your financial goals. Establish a personal financial budget is not difficult and huge profits. You can further define and regulate the financial resources, set and achieve your financial goals, and make decisions in advance about how you want your finances to work best for you.

The main idea in creating a personal financial statement is to set aside a certain amount of money for expected as well as unexpected costs, based on previous expenses and bills, and to define the amount of savings in its optimal state. It therefore enables to position itself to build wealth over the long term. In order to create a personal financial accounting benefits as part of personal financial planning is necessary to do the following:

Step 1. Determine how to allocate compensation to first identify your spending habits. Define the fixed costs (eg, home, car, utilities, insurance, etc.) to the fund for a month and write down everything and add it. Even if your utilities are floating a little 'you can estimate the cost after a month on average. Through proper determination of the "spending patterns", you can immediately identify solutions for creating an effective budget for your personal financial needs.

For example, when you have a constant net monthly income (after tax take home pay) of $ 5,000, you should subtract all your monthly income identified by that - make a list of regular monthly amounts. Spreadsheets are often useful to keep track of this information. Many people often create a budget spreadsheet Excel to keep track of expenses. There may be benefits to creating ten more levels of personal financial budget.

Step 2. So, consider other bills, such as may occur periodically throughout the year. These can be estimated and then subtracted the amount of your income. You have one of two ways to do it. The first way is to calculate the total for a year, divide the total by 12 and subtract that amount monthly by putting money into savings for the building until you need it. The second way is if you have enough surplus can complete its annual, semiannual or other invoice in whole or in some other payment arrangement.

Step 3. The balance that remained after fixed costs can be budgeted for miscellaneous expenses between home and savings. Budgeting, saving is often overlooked and therefore often do not get done. In the short term, 2-5 years, the savings target needs a minimum of 2 years of a personal financial statement so you can see where you're going. A short-term impulse buying is often what prevents people from saving and accumulation of wealth building.

Step 4. To determine the best way to be sure to contribute to the savings, you can do this in two ways. You could use dollar amounts for a group call number such as gas, clothing, entertainment and food. Some people promote proportions or percentages. But think about it, if your income increases, the miscellaneous expenses should or should instead increase your savings? Then, using dollar amounts instead of percentages may be beneficial to your savings goal.

Step 5. The ideal is to have a minimum of 3 cash or bank accounts. These costs should be allocated on 2 accounts - the first to pay bills and transfer money for at least a second account and a savings account (if you do not have direct deposit on all these accounts). The second would account for your family, various, and not spend money on recurring invoices. Then a third short-term savings / emergency account (then adding long-term savings accounts, obviously), but these are starting points that not many people put into practice.

These are ways to establish a basic financial plan and to prevent the use of money is not allocated for other expenses or impulse. These are the starting points that many people do not put into practice that are beneficial and may be built upon, long-term financial planning .......