Facebook page for Tan Kin Lian

Many social issues are now being discussed actively in my Facebook page. You can also see the views of many readers there. My Facebook page is:  www.facebook.com/kinlian.

If you wish to contribute, you can register a Facebook profile on www.facebook.com, click on "like" in my page and post your comments.

Join now. It is a great place to discuss issues that concern your future, and that of your children.

Discount on TKL books

You can get a discount on TKL books from iShop, compared to the normal price in the bookstores. The popular books are Financial Planning, Life Insurance, Intelligence Quiz, Tangram, Shape Quiz. Order here.

Investing in life insurance policies

Some people asked for my advice about specific types of life insurance policies that is being sold to them. I suggest that they attend my talk on life insurance - as it gives examples of the yield on the popular insurance policies that are being sold in Singapore.

It cost only $30 to attend the talk and can save you $5,000 to $10,000 in lost premiums due to the commission that you have to pay to the agent. Do not expect to get advice for free, without effort - as it will lead to a big loss for you.

Click here.

Six investment scams to avoid

This article describes 6 investment scams to avoid in USA. I urge readers to learn the lesson and be aware that many similar scams can be found in Singapore. You should be careful of all types of shady investments and avoid them. The best bet is to invest in an indexed fund (or ETF based on a market index) for the long term. All other types of investments should be avoided, unless you are really an expert and able to carry out your own evaluation. Do not trust a financial intermediary who is interested to earn the commission by selling the investment to you. Some of them may not be aware that they are selling you a scam!

How to pick the best Trading Academy? - finance articles on ...

Currency trading signals from Forex Signal vendors will not be continually profitable, therefore it is vitally important to think about the track records of those services to get a hint if they are even worth your time and efforts. Not surprisingly, no past performances can promise results, but having an incredible track records from your Forex Signal service provider generally is a solid indication that the Forex System is worthwhile, especially when you see track records lasting many years.

Seeing as no Forex Signals are going to be profitable completely of the time, some level of error really should be allowed during analysis. Given That there is no-one to calculate the way the market will probably react to the ever changing financial system, you will have to get ready for the potential damage in a system. That said, a good Forex Signal provider will invariably give clear entry and stop levels, while being conscious of the the chance of drawdown. Watch out for Forex signals that won?t use stop loss or a stop loss order that is about couple of hundred pips. usually this type of Forex System is just a complete distruction waiting for happen.

Consider this, a lot of Forex System designers use historical data to optimize their systems, and the way they attain this is choosing a historical time frame, such as from January 2000 to Jan 2010. Then they perform a range of parameters to find the the best results achievable. These parameters consist of entry levels, stop loss levels, not to mention the take profit levels. Forex signals made out of this kind of of program are unsafe because the service is basically attempting to curve- fit his Forex system with optimized settings. If the near future market fails to perform within the same situation as the historical period of time, the forex system will crash and burn miserably.

So, it is usually the best to check out Forex signals generated from a Live Trader who has been around for a while and his Forex System stands the test of time. Now understand that there?s an undeniable truth with individual subconscious that allow us to do some things better, despite of given the same set of resources. It is just basic logic that ifa live trader has been around for a while, his Forex system must be doing something right. Also find Forex signals that offer Forex Online Trading room, a live chat room or trading academy, as it would be priceless to receive on the spot live feedback to Forex Signals and market situations. Also choose Forex Signals that offer 30 days guarantee. If the trader is not confident to offer a guarantee, neither should you.

Additionally purchasing an excellent Forex Signal or Forex System is crucial for any beginning trader. You no longer need to reinvent the wheel, just get a Forex Online Trading method that works and stick to it. It is always much better to use a trading academy or a Foreign Exchange coaching service that also delivers Forex signals, since they will not only enable you to make pips each day, but also coach you on how to make pips by yourself.

Last But Not Least, i want to point out that a remarkable Forex system founded on Forex News Trading has been changing the way in which people trade Forex. Forex News Trading Academy is really a Forex system dedicated to news trading. Its Forex signals are issued in real time. It?s the embodiment of perfect Forex Online Trading.

For more information on Forex Online Trading, please visit us at forex online trading

Source: http://jealouseating.com/2011/09/how-to-pick-the-best-trading-academy.html

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How The Price Of Your Auto Insurance Is Calculated

You will discover an enormous number of different particulars about you that could affect the expense of your auto insurance. Below are many of the biggest ones, but remember that every question an insurance company asks will have some bearing on your premium - after all, that is why they ask them.
Answering these questions more than and over once more can be definitely mundane so use our comparison tool, enter your particulars when, and get quotes from over 100 corporations.
Save time and cash on your car insurance
Elements that impact the cost you pay

The automobile: Certainly, this makes a huge distinction. As an example, the far more costly a car is, the far more it costs to replace, and also the more appealing it's to thieves. Each and every vehicle is also categorised into a car insurance group by the Insurance Group Rating Panel, based on many diverse aspects including the cost to repair the vehicle, safety ratings and maximum speed. These groups range from 1 (the least expensive to insure) up to 50 (the most high-priced to insure), and form a base around which car insurance providers construct your quote.

Postcode: In the event you live in a city or town centre, insurers see you as a greater risk. Urban areas have a tendency to have higher crime rates, so devices like alarms, immobilisers and trackers can support to decrease the added price of your auto insurance- which is even greater in case you park on the street in these areas.

Age and Expertise: If you are a newly qualified driver, under the age of 25, or each, you are deemed to be of a greater risk than other motorists by insurance companies, and as such you can have to pay far more for exactly the same cover. The younger and as a result much less experienced you are, the additional it's best to expect to pay; this also applies to any policies you're added to as a named driver.

No-claims history: It is very simple: the much less you expense your insurance enterprise, the much less they charge you. Most organizations will give you a discount for each year you do not make a claim, ordinarily up to a maximum of five - and this is transferrable across insures too in case you decide to switch.

Occupation: Your profession can alter the price of your vehicle insurance too; for example a teacher will usually come across cover to be less expensive than a taxi driver as the insurance business makes an assumption based on prior statistics as to how properly that person will drive. Journalists, as an example, will struggle to obtain cheap auto insurance as it is assumed that their driving style will not be as safe as other people.

Excess: This is how much your vehicle insurance provider will anticipate you to pay just before they'll contribute to your repair bill. As a rule, the additional funds you are prepared to stump up yourself, the lower your premium - though there's a 'tipping point' exactly where growing your excess won't impact the premium.
Ways you are able to lower your car insurance premium

It's always worth checking how unique insurers handle no-claims discounts; most offer 30% discount for a year's no claims, increasing to around 65% immediately after 4 to five years, but some will give larger discounts early on, or deliver a larger discount for a clean five-year record.

Attending a particular course like the Pass Plus or Institute of Advanced Motoring course can save you dollars on your cover, too as producing you a better driver. Even though these courses is often quite highly-priced, the saving created in premiums over the years more than makes them worth the initial outlay.

It is also worth shopping about for your cover every year; it is possible to potentially save hundreds of pounds by altering insurers as opposed to automatically renewing with your existing vehicle insurance provider.

The best way to Make A Car Insurance Claim

Insurance firms pay out millions of pounds just about every year in order to pay for automobile insurance claims created by drivers involved in accidents, victims of vandalism, people who have had vehicles stolen, and a lot of others.

In the event you locate oneself in a scenario where you'll want to make a vehicle insurance claim, you might not know what the very first steps are in order to start out the process. Our guide will enable you to to get the ball rolling.

Initiating a claim on your car insurance policy

The first step is to inform your auto insurance organization. You ought to do this as soon as you possibly can - most insurers have a 24 hour helpline, and if your corporation is one of those, then this should be your very first port of call.

Write down everything that happened as soon as achievable, take photos if important, and base your auto insurance claim on this data. Whenever you speak to your insurer, be sure to learn what they expect you to do and what supporting evidence they call for from you.
Save time and funds on your auto insurance

Also, make certain the very first story you give your insurance organization is accurate and full - changing your story later on makes your claim appear awkward and could lead to your insurer doubting its validity.

Obviously, if the case involves a criminal offence (for example a theft from the vehicle, damage towards the vehicle, or the actual vehicle itself being stolen), it's best to inform the police straight away, and try not to touch or move anything. You will receive an incident number from the police; ensure that you maintain this as your insurers will want it as a way to procedure your claim
Once your claim has been made

Just after initial make contact with has been created along with your insurer, ensure that which you keep all documents you get sent in a secure location (too as copies of any quotes or receipts you receive), at the same time as ensuring you are uncomplicated to obtain in contact with should your car insurance corporation or the police will need to get in touch with you.

It is best to also maintain a record of telephone calls (a lot of insurers can deliver you having a reference number for every individual call, and if not you need to keep a note of the name of the person you might have spoken to along with the time).

Even though waiting for your claim to be processed, do not be tempted to just take your auto to be repaired within the hope that your insurer will pay for it. Insurance firms have specific garages that carry out work for them, and are far happier to pay for function carried out by them.
Also remember that until your insurer agrees to pay for the repairs, any repairs created to the vehicle are your responsibility. Make sure you have confirmation before finding the vehicle repaired, or you can come across oneself with a hefty repair bill which you might have to pay.