Buying Cheap Gold Coins

One option that is currently very attractive is the purchase of gold and precious metals within a Self Directed IRA account. For example, only specific US gold, silver and platinum coins are allowed like the US Gold and Silver Eagles, along with other bullion coins that meet specific fineness standards (.999 pure) such as the Canadian Maple Leaf.

The trap is this, if you purchase proof gold for your IRA account, you will end up paying a premium above the actual value of the gold IRA itself.

Your best deal is to just purchase regular old mint state gold and silver bullion coins and you will be way ahead of the game.
However, you can’t just drop down to a local coin dealer and buy the coins yourself. In order to qualify as an IRA investment, you need to set up a Self Directed IRA account.
Under the IRS rules, as the IRA account owner, YOU CAN NOT have control over the underling assets (your coins), nor can the administrator. All the coins, bars and assets in your self directed IRA should be held in a depository, an ultra secure location that is both insured and approved to store precious metals.
The depository has two forms of storage, Fungible meaning your coins are grouped in with other peoples coins and Segregated, where your coins are separate from others within the storage facility, insuring that the exact coins you purchased are the ones returned to you or sold on your behalf at sometime in the future
Depositories charge a small annual account fee plus a storage fee based upon the total value of the account, with a slightly higher amount for segregated storage.
So now, Goldstar has signed an exclusive agreement with DDSC (Delaware Depository Service Center) as the sole depository that Goldstar uses.

Make sure the coins you purchase are “Qualified” to be included in an IRA gold.The more that each of these are responsive to your needs and requirements, the better off you will be and the easier it will be to sit back and enjoy your 401k gold investment performance.

How to find cheap car insurance

Dear readers, this time we give you an artikel about how to find cheap car insurance. There's fair, and then there's fair or not as the case may be. Looking around our fair land, it would be great to see only good stuff. But the world isn't made like that. We found a vast expanse of space, and then the people came and messed it up by building places to live and burning fossil fuel to fill the air with city smog. And people, being people, stayed selfish and potentially criminal, so some areas have a bad record for behavior. Of course the wealthy can buy their own plots of paradise and build a wall around it. Security guards keep the rest of the world at bay. But the rest of us have to live in this urban sprawl where the problems of unemployment and the credit crunch are putting everyone under pressure.

So where do we choose to live? Most of us are trapped into an area by birth. It's surprising how hard it is to leave our roots even when things start going bad. When we do move, it's usually to find work. This again can be a trap. Sometimes, the places with work are in the rougher neighborhoods. Then we're into playing the game of deciding just how far we want to commute everyday from our haven to work and back. And don't think this is just a problem for the individuals. It's a problem for local government as well. There's the mayor and the elected officials with the responsibility of providing a safe place to live, a good place for business. If people are moving out of an area or refusing to move into it, this is bad for the local economy. There are less people paying taxes, so there's less money to spend on anything important.

There's a website run by the National Insurance Crime Bureau. It shows you how many vehicles are stolen around the country. The good news is the rate of thefts is falling, but there remain major areas where you no sooner park your car and walk away before it's driving off. California and Texas are top of this list of shame. This is bad news for anyone outside California looking for cheap car insurance quotes. Inside California, the law was changed to prevent insurers from loading the premium rates based on your ZIP code. Everyone else gets hit when the accident statistics and theft rates combine in a perfect storm of insurance claims.

You can only do so much in fitting anti-theft devices and GPS trackers. In the end, all you can do is insure and hope to recover most of the lost value if your vehicle disappears. Get the maximum number of car insurance quotes and compare the premiums. One or two of the local insurers may have lower rates. Rates should be but no one said insurance or any part of our lives here had to be fair.

*And just in case you can't remember, the title of this article is a reference to the "bad hat" line in Jaws, now used as the catchphrase by Brian Singer's production company at the end of House.

Buy a new automobile with Auto Insurance

Dear readers, when you buy a new automobile, not only do you have a monthly car payment to make, but you also have an insurance bill to pay. Because you know that going in, you have a glorious bit of power that you should exercise, and that power is to buy an automobile that insurance companies will love to insure so that you can get a cheap auto insurance quote.

Consideration 1: Easy to repair
Instead of choosing an expensive foreign model with fussy repair requirements, choose a classic model that is easy to repair. As an added benefit, these models are generally less expensive, requiring lower auto insurance limits. Also, since many of these models tend to have aggressive speed capabilities, they are higher risk.

Consideration 2: Safety measures
The less risk you offer an insurer, the less costly your insurance policy will be. One of the risks that an insurer takes on when insuring you is the risk of bodily injury. Airbags, anti-lock brakes, automatic seatbelts and daytime running lights are all relatively standard safety measures that will reduce your insurance expenses. Side airbags, rearview cameras and other electronic notification measures are newer methods of ensuring safety that an insurance company will look kindly on.

Consideration 3: Anti-theft and recovery measures
A car with a car alarm or locking steering wheel reduces the risk that your car will be stolen, which means your insurance company is less likely to have to pay for the theft of your car. A service like OnStar can increase the chances that your vehicle will be recovered if it does happen to be stolen.

The Next Step
Once you have done your research, test drove some possible car choices and narrowed down your options to a vehicle that is cheaper to insure, it is time to get your cheap auto insurance quote. When you do, don't just get the quote from one company. Instead, compare the auto insurance quotes of multiple insurance companies so that you know you get the cheapest coverage possible. Make sure you think about any discounts you might be entitled to and that those are factored into the quote.

Don't Scrimp Just to Save
One final note about making sure that you secure that cheap auto insurance quote; it is important that you don't choose a super low limit and super high deductible in order to save money on your monthly auto insurance premium. While it might sound smart to choose a high deductible, if you actually have an insurable incident, that high deductible could stand between you and getting your car back on the road. And the same goes for high limits - if you don't insure your car for what it is worth and opt for bodily injury liability limits that could actually pay real costs for a possible injury, the difference is going to come out of your pocket, whether you can afford it or not.

Car insurance quotes for home-based enterprises

Dear readers, as we know, when small business owners who have their home-based enterprises think of buying a new car that is to be used by the business, they always confront with the dilemma whether they need individual or commercial vehicle insurance. In many cases the coverage provided by personal policy carried by business owners provide just the right amount of coverage to have the vehicle protected. Still, for home-based businesses the picture might be quite different.

Insurance experts agree that it depends on the exact purpose of your vehicle's use in the business. If you're a real estate broker, for example, and simply drive to work from home, taking clients with you on occasion then you don't need commercial auto insurance since your personal policy will be enough to cover any costs. However, if you have a regular delivery of products with your car or take passengers all the time as a part of your job then you will have to purchase commercial auto insurance, since the vehicle will be regarded as a part of your business assets and has to be covered respectively.

For home-based enterprises it's very important to have the third party liability limits in check in order to assure that both personal and business assets are covered properly. Because of this, the amount of your liability coverage and your deductible are the main variables that will determine the cost of auto insurance for your business. The larger is the amount of coverage and the lower is your deductible, the more you will have to pay for insurance in premiums. And don't forget about your yearly mileage, driving record and the list of persons who will operate the vehicle - these factors will also affect your insurance premiums.

In order to lower the risk for your business, your liability coverage limits should be higher with a commercial insurance policy as compared to an individual policy. As a business, you may be subjected to larger claims, because the other party involved in the accident can follow you both as an individual and as a business. Because of such vulnerability, car insurance quotes for commercial auto insurance tend to be higher when compared to individual policies with the same coverage amounts.

In case your business involves taking a lot of equipment with you while you're driving the car, and you also have a homeowners insurance policy, your equipment will have a certain amount of coverage. Still, in case if the value of the equipment is rather high, your car and home insurance policy can provide too little coverage, so you'll have to buy a rider and get additional coverage amount for your equipment. A typical business owner insurance policy will cover damage and liability in the amount of up to $10,000. If this is not enough to replace your equipment in case it gets destroyed, then you definitely have to buy more coverage.

Commercial auto insurance goes by the same rules as any other form of insurance. If you want to get better rates, you should check car insurance quotes and do some comparison shopping with different companies. However, keep in mind that you will have to get car insurance quotes with respect to your higher liability limits. Don't strip down the policy to the bare minimum as your business may depend on it.

Home insurance: Flooding problems

Dear readers, we should know there are several facts clear. When you look at all the different types of natural disaster that can affect your home, flooding is one of the most common. It makes no difference whether you live in a city or the countryside, when enough rains fall, either the drains back up or the ground gets so saturated, the water has nowhere to go but across the ground in a flood. In fact, even if you have a home in an area supposedly rated as a low flood risk, you can still get caught. Whether climate change is real, one thing does seem clear. We have had a lot more weather recently, and it has been causing damage to the structures of our homes and ruining the contents. So, no matter where you live, remember your home is the biggest single capital investment you make. Some coverage is better than no coverage.

Except, there's a strange plague sweeping the country. It seems insurance companies have decided to stop offering wind and water-related insurance cover. We could be cynical and say this is just capitalism at work but, when you can't get coverage yourself, you find that ever helpful mortgage holder comes up with a policy that brings tears to your eyes. In all this, there's one fact that's supposed to make this all bearable. There's always flooding coverage from FEMA.

Introduced in 1968, the Federal Flood Insurance Program is intended to give you cover so long as your community participates. This allows owners, renters, business operators and condominium unit owners the chance to get some cover. So what has to happen? There has to be a mapping exercise which captures where the local floodplain lies and in which direction the floodways run. Getting this information right requires input from hydrologists and other experts. But FEMA has been in financial difficulties and one of the economies it has made is in the mapping department. That's why many of its maps show floodplains and floodways as straight lines. No real money has been spent on matching the maps to the rise and fall of the local land. According to FEMA, it's all flat.

This failure creates genuine hardship. You may know your home is built on higher, well-drained ground but, when it comes to the cost of insurance, you're treated the same as people whose homes are most at risk at the bottom of the hill. Since commercial insurers use FEMA's maps, you can end up paying hundred more dollars than you should. It can be worth paying for an expert's report to appeal the mapping, but not everyone has the cash available to pay for that.

So always check the homeowners insurance quotes to see whether flood coverage is included and, if so, whether it's limited in ways that make it poor value. Talk to your neighbors and find out how their insurers define the area's risk level. If you have a well-organized area, there should be a person designated as your area's floodplain manager. Your local manager should be able to offer detail advice. To get the best value homeowners insurance, you really do need a community response, particularly if you want to appeal FEMA's maps.

How to Find Special Insurance Rates for Military Personnel

Dear readers, as we know, USA has lots and lots of services you can rent. But together with each service companies like to sell their bloody insurances. If we are honest, insurances are for the best. At first you get an idea of payment for nothing but believe us, when the time comes, and if it does, you are very lucky to be insured under a good insurance plan. Each plan has its own limitation, condition, provisions, exclusions and specifics. You might want to consider them before you make a purchase. Where can you always collect the information that will help you go further with the insurance? You can find it either from an agent in the company or online.

Military personnel often have to adjust to a quick change of plans. Maybe you are deployed. Maybe you are just transferred to a new base. No matter what the reason, your primary concern is your family.

Unfortunately, the little nagging concerns like insurance need to be dealt with as well. If you're leaving family behind, you have to make sure that they are covered and the payments get in on time. If you are single, you'll have to either cancel your insurance or arrange payment while you're gone.

At least, that's what you thought.

Some insurance companies actually have special policies for military men and women, and their vehicles of course.

Readying Your Information
There is some basic information companies will need to know from you.

Classification
They are going to need to know if you are listed as active, reserved, or retired.

Time of Duty
If you know when you will be out of the country on active duty and when you or someone else will be using the vehicle, insurance providers will want to know.

Risks and Disasters
If you are going to be driving in another part of the world or country, make sure you get coverage for specific risks, like tornadoes, hurricanes, monsoon, typhoon, earth quakes, fires, floods, volcanoes, and even vandalism.

Deductibles
Like any other insurance, you will need to know how high a deductible you are willing to pay. Remember, the higher you can go, the lower your premiums will be. Just make sure to set the deductible money aside for when you need it.

Special Skills and Abilities
If you have specific training when it comes to driving, don't hesitate to let the insurer know. Mark down any special training or programs you have participated in and be prepared to provide a certificate or some kind of proof. You may get a discount.

Emergency Deployment Clause
If there is a chance that you'll be deployed all of a sudden, you should find an insurer that has something called an emergency deployment clause. With one of these, you will have a set special arrangement to sort out what happens to your insurance policy if you are deployed or transferred to another state or country. You may be able to terminate the policy with no penalty.

If you are planning on storing the vehicle should you be deployed, make sure you have covered storage. This may save you money on car insurance as well.

Finding a Provider
Military personnel have the special option of using a dedicated military insurance company for their insurance. One such company is the Government Employees Insurance Company, which has special coverage-including car insurance-for military combat personnel and other employees. These dedicated companies will be able to offer lower rates and more flexibility. However, it is still worth checking around to see if you can save any more money.

Start by getting some free quotes. Just use these quotes as guidelines about who has the cheapest prices. You are still going to have to do some calling around if you want to make sure you really get the best deal. Give the cheapest companies a ring and ask about military pricing.

As it should be, America's best get the best deals on car insurance.

How To Making Insurance Affordable

Dear reader, there's so many people, when looking for health insurance quotes or other types of insurance premium pricing information, begin to feel like they would be better off just saving their money rather than sending it to an insurance company to make a premium payment. They often feel this way because they think that the likelihood that they will actually use the insurance that they are paying for is low, so they will spend all this money on premiums and then have nothing to show for it, which leads many individuals to decide that it would be better save their money and put it into an interest-bearing account and forgo the insurance policy.

Savings vs. Insurance
An insurance policy pays for large expenses - things it would likely take you years to save enough money to pay for on your own. And these expenses aren't just big in terms of cost, they are important. For instance, staying with the example of health insurance - let's say you need knee surgery. If you haven't saved enough money (tens of thousands of dollars) to pay for this and you don't have insurance, then you need to wait until you have the money in your account before you can get it done. That means you will have impaired mobility for years until you have enough to pay for the surgery. If you have insurance, however, you can get the surgery post haste. You can also get treatment for emergency medical needs and not have to leave the hospital wondering how you are going to pay for it.

Making Insurance Affordable
The real issue here is making sure that you can afford the insurance premiums you are paying. Avoiding insurance and trying to save the premium dollars will probably leave you high and dry when you actually need the money. But creating an insurance premium that you can actually afford to pay - and don't resent doing so - will be a better plan. Here are a few tips to help you do so:

1. Look for discounts: Whether they come from bundling several insurance policies through one insurer, from taking the necessary steps to be a low-risk customer, or from paying your entire bill annually, take advantage of all the discounts you can. They add up!
2. Get only the insurance coverage you NEED: No matter what type of insurance you're looking at, get only the amount you actually need to cover that individual risk. Being over-insured doesn't provide you with any extra protection. Insurance is meant to make you whole, so the insurance company isn't going to give you an extra payment if the value of what you are insuring wasn't worth that much (the exception here being life insurance, which pays out your death benefit in full).
3. Continually review your policies: Your lifestyle and situation can change continuously and when it does, so too should your insurance. Every year before you renew, make sure there isn't anything frivolous that you are paying for and no longer need and adjust anything else that could have a bearing on your premium.
4. Get new quotes: Insurance rates vary from company to company, and the initial search that you do for insurance quotes is not always relevant a year or two later. Getting regular quotes from other insurance companies can help you to ensure that you really are getting the best deal out there.

If you plan it well and stay aware of discount opportunities, you will maximize your insurance premium dollars without sacrificing the coverage you need.

How to cut your car insurance costs

Dear readers, most drivers like us, especially the younger ones. Probably know that insuring a teen driver will cost you much more than a driver of any other age below 70. This is because teen drivers are considered to be the highest risks when it comes to assessing insurance risks. Still, there are effective ways of lowering your auto insurance costs, and if you're determined to get what you want for a lower price, then you should definitely follow the general tips mentioned below.

How to cut your car insurance costs
One of the most optimal ways of cutting insurance expenses is of course buying a car that is insurance friendly and safe in general. Look for a vehicle that has both front and side airbags, additional seatbelts, antilock breaks, anti-theft alarm and improved locks. Most insurance providers will give you a discount if your car can be considered as safe and protected from theft. Besides, if speaking of discounts, you should join an auto club as members of such usually get some discounts as a part of their membership.

In case your vehicle is rather old and has low market value, you may want to drop collision and comprehensive coverage altogether. While this type of coverage is really useful with new cars, the deductibles you will have to pay after filing a claim with an old car may be even higher than the actual value of the vehicle. So it's better to be off without any collision and comprehensive at all.

If you're planning to become married in the near future, this is your chance to get lower insurance rates as well. Married drivers are usually regarded as lower risks by the insurance companies, even if you are a rather young driver. Besides, reaching the age of 25 will also give you a drop in insurance rates, since drivers aged 25 and older are viewed by the insurance companies as having more driving experience and posing less risk on the road.

In case you still live at your parents' house and don't have a vehicle on your own, you might want to stay under their policy as they will usually have better insurance rates. But if you decide to purchase your own vehicle, with most insurance providers you will be obliged to purchase an individual policy for owning the vehicle.

Don't forget that you can drop specific types of coverage in certain situation in order to avoid double insurance. For example, if you have good health insurance rates or are covered by an employer-sponsored group plan, you may want to drop personal injury protection from your car insurance policy since you will be covered by the health insurance policy in case of an accident. So why paying twice for the things you already have?

And of course, you should take some time to compare car insurance quotes before buying a policy in your own. Get as many car insurance quotes from different providers as you can as it will give you a good opportunity to get the most competitive rates out there. So take your time and do some comparison shopping as you can get really good quotes if you're persistent.

how to avoid auto insurance fraud

Dear readers, do you know that auto insurance abuse and fraud has become quite a problem in the past few years as there was a rise in fraud reports and diversification of schemes used to affect fraud victims. It has come to the point where many drivers feel that the auto insurance quotes and rates they get are too high because of the abundance of fraudulent claims filed to insurance providers. In fact, each claim filed by using an abuse or fraudulent scheme ultimately leads to the overall increase in rates for all consumers, who even didn't face fraud on their own.

In order to minimize the risk of auto insurance fraud and abuse, and protect lawful car owners from becoming victims of illegal schemes, insurance providers and experts recommend following these five helpful tips that will protect you paying for an abusive claim:

1. Contact your insurance provider as soon as possible when ending up in an accident. You may want to call your insurance representative before calling the police, in order to provide all the information regarding the accident. You will be informed about the right repair shops, legal advisors and rental car services to use. Quite often these third party representatives make part of fraudulent schemes.

2. Only use repair shops preferred by your insurance provider or you are common with. In many cases fraud schemes involve certain repair shops that charge higher rates for making a standard repair and abusing your insurance claim.

3. Be cautious about the towing companies that arrive to the site of the accident. You may end up dealing with a towing company that receives referral fees for directing customers to specific repair shops or other services that will charge you more than your insurance company's preferred providers.
4. In case you're injured during the accident and have to use medical services, keep track of all the treatments, prescriptions and doctors you receive care from in order to compare the records with your insurance provider later. Sometimes inaccuracies in these records can be a sign of insurance fraud that will ultimately reflect in your insurance rates.

5. Never sign blank documents or any contracts or forms without reading them first a towing truck driver, repair shop worker, legal advisor or medical care provider will give you. In many cases fraudulent contracts are offered for signing during stress that the victim goes through after and accident. And later you may be legally obliged to pay for things you didn't expect.

Always make sure to get auto insurance quotes from a company willing to fight and investigate fraudulent acts or insurance abuse. It's a matter of customer support, and if your provider doesn't want to deal with things like that, obliging you to pay higher premiums regardless whether you were a victim of a fraud scheme or not, you definitely don't want to insure your auto with such a provider. So get your auto insurance quotes from an insurer that you can really trust. Otherwise you may end up paying more money and being a victim of insurance abuse someone makes money from.