The government of US gives ability to investors to assess the progress and the history of companies, as well as it also helps to make the much reasonable assumptions about their future through the set of requisite filings. Such kind of filings is mainly the registration statements, periodic and formal reports and different kinds that are offered to U.S. Securities and Exchange Commission which is also known as SEC.

The SEC was created in year 1930 help to stop the fraud and manipulation of stock, it is the regulatory watchdog. They help to collect documents detailing complete financial as well as operational health of the domestic as well as foreign companies which have also traded and owned the stock by public.

Key pointers!

  • Investors may even assess health of the company and make some assumptions about their future by reviewing the requisite SEC filings.
  • The statement of Registration offers you with the details about security and about the profitability of the company.
  • A report of 10-K provides the much comprehensive yearly summary of the financial performance of company.
  • The Proxy statements are required prior to soliciting the investors and include the procedure of voting, background information of the directors, salaries of managers, and other crucial information that are not accessible readily in different statements.

Registration Statements

The Registration statements offer the investors with a clear understanding about the offered securities as well as about profitability of company. All the companies, despite of the fact they are foreign or they are domestic, you must file these kind of statements and qualify for any such exemption.

10-K Report

The 10-K offers the investors with the most comprehensive analysis of company. This is quite much similar to the prospectus and it also contains more details as compared to the annual report. For example, financial statements are quite detailed and even the companies should submit the lengthy annual filing in just 90 days of end of every fiscal year.

If you’re planning a vacation you’ve probably already been offered travel insurance more than once. And if you’re like most people you quickly dismissed the idea and went about your business.

But don’t be so quick to decide. While travel insurance is not always a good idea, there are times when it can come in handy.

What is covered?

While coverage can vary from one carrier to another, travel insurance policies generally cover:

Trip cancellation or interruption due to weather, sickness, airline bankruptcy/strike, or terrorist activity.

Medical expenses incurred while in a foreign country. If you get sick while on African safari, you may find that your medical plan does not cover foreign care or that the coverage is severely limited.

Baggage and belongings that are lost, stolen, or damaged.

Accidental death and dismemberment if you are seriously or fatally injured while on vacation.

So when should I buy travel insurance?

Well, if you are going on a relatively inexpensive trip that is not likely to be canceled or delayed and you are young, healthy, and not planning on doing anything dangerous then you can probably skip it.

But if you are planning your honeymoon or a once in a lifetime trip, especially to a an area where weather is a concern, you should consider travel insurance. The small investment will be well worth it.

If you are elderly or in poor health you’re more likely to need medical attention while on vacation. Likewise if you are planning to take part in potentially dangerous activities such as rock-climbing or cliff diving.

Remember too that you don’t have to be doing anything risky to get hurt. You could be taking a lazy afternoon sightseeing drive and get hit by a reckless driver. If that happens, you’ll be glad you bought some extra insurance.

The idea behind insurance is to make sure that you are prepared for the direct and indirect expenses that an accident can cause you to incur. There are several types of insurance, and these days, it is possible to insure just about anything and buffer yourself from costs, income loss and even liability. However, one area that many people don’t take into consideration is properly insuring their children.

Many people with children just cannot entertain the thought that their child might some day be taken from them. However, this is a tragic part of life for some people, and it can be a devastating setback from more than an emotional standpoint.

It should not be thought morbid or tempting fate to take out a life insurance policy on your child. There are some schools of thought that tend to consider this sinister. As with any insurance policy, taking out an insurance policy on your child is simply preparing for a worst-case scenario. Losing a child can be crippling to parents and siblings, and can have a subsequent financial impact. Beyond covering any burial costs, it takes no imagination whatsoever to see that the loss of a child could be emotionally debilitating to the entire family.

Divorce and family dysfunction are alarmingly common after the loss of a child. A parent will want to give themselves the time needed to grieve. Insuring your child will help ensure that you will be able to afford the time off that you will need. In addition, such a loss may have an emotional impact felt deeply by a family and family dynamics often go into a spin. Parents may need grief counseling as well as professional help to deal with siblings or other family members impacted by the loss. Family counseling is often recommended by clergy and clinical professionals.

This is the thought process behind a life insurance policy that is taken out on a child. You can ensure that in the aftermath of an unthinkable loss, the financial impacts, temporary earnings loss and professional counseling needed are not additional stresses that prevent you and your family from healing, and even worse can tear it apart. If you have children, this is something that you will want to take into account.

First of all, we’ve all heard of life insurance. Many of us even have it. But what is term life insurance? The meaning of term life insurance is in its name—it covers its policyholders for a certain amount of time—a certain term. It costs much less (except for the very elderly) than whole life insurance and can be covered in two types of premiums—level-term and annual renewable. The premiums of level-term stay the same throughout the duration of the policy and can usually be purchased in terms up to 30 years; however, annual renewable premiums increase as the policyholder gets older.

Although term life insurance is already less expensive than whole life insurance, there are ways to find discount term life insurance. We all want to save as much money as we can while getting the best coverage possible, right? As when searching for any insurance, the best way to find discount term life insurance is to research several different life insurance providers. However, you don’t want to simply find a seemingly decent term life insurance provider, search for a policy that’s cheap in price, and sign up. If you do, you could end up with a policy that doesn’t actually suit you at all (that is, if you even qualify for it) and spending much more than you would have if you had searched around for a bit longer.

When shopping for discount term life insurance, look for reputable, financially stable life insurance companies that have well-trained, objective, unbiased insurance agents. These unbiased agents will take your information—your needs and the needs of your family members—research your options, and present the best discount term life insurance to you—not them. You can find information about an insurance agency online or directly from the agency, but you’re more likely to get a reliable review from someone who has used, or is currently using, their services.

Life insurance agents have a very challenging occupation. To be a life insurance agent, you must be able to combine the gentle and responsive nature of a friend with the cold and almost ruthless salesmanship of a hardened professional. The best life insurance agents are able to make this tough job look effortless, but making a good living in this field is more like a walk on a tightrope than like a walk in the park.

Selling people life insurance seems innately difficult, because it is no easy task to talk somebody into spending the remainder of his or her life paying money for something that won’t benefit anybody until after he or she is dead. Some policies are more flexible, allowing for some liquidity so the beneficiaries can access a portion of the money during the customer’s lifetime, but other kinds of policies often make the complete sum of accumulated money untouchable until the customer is deceased. This makes many people reticent to invest in a life insurance policy when they could easily put that money into a potentially more lucrative and certainly more flexible portfolio of stock or mutual fund investments. A good life insurance agent must be able to express to these kinds of potential customers why life insurance is a better choice than the other fiscal options available, and being able to do so requires not only very firm conviction under pressure but a talent for articulation and persuasion as well.

Most salesmen and saleswomen are able to walk away as soon as the customer has signed on the dotted line, but being a life insurance agent requires a substantial degree of involvement with the customer all the way until the point in time when the money is paid out to the beneficiaries. Once a customer has purchased a life insurance policy, the agent’s job is far from over, which has quite a bit to do with how agents attract potential clients. Today, life insurance agents get a large percentage of their business through word of mouth referrals. This makes it absolutely imperative for an agent to keep up relationships with all of his or her clients.

To keep up a strong relationship with his or her customers so that they will send over their friends and neighbors to take out policies as well, a life insurance agent must be in contact with his or her clients on a regular basis just to check in. If a problem does arise, the agent must be responsive and quick to act in order to keep the customer’s confidence, because confidence translates into referrals. Given that being a life insurance agent requires a strong bond between agent and client, it is little wonder then that many life insurance salespeople are starting to branch out into other areas of financial planning as well. By being able to offer a customer a variety of services, the agents are maximizing their own efficiency and earning potential while also increasing their customers’ satisfaction.

Going back to Roman times, risks have been shared during times of tragedy and unforeseen circumstances, such as earthquakes, floods and the like. The first formal and recorded insurance company, Lloyd’s of London, was formed in 1769 and their founding principal remains intact today – to gather the premiums of clients as a pool of resources in order to return to clients who experience unexpected and unforeseen but covered events. So, that is the secret really, plan for the unexpected and unforeseen and make sure you’re covered, especially when you’re travelling. Whether your trip is a quick one or a round the world cruise, there are many good reasons for travel insurance. Here are just 7 things you should do before you buy your travel insurance:

Whatever you do, please explore the market and educate yourself with all the terms and terminologies of the travel insurance cover that will help you to avail the best travel insurance.

Certainly check what is included in your travel insurance policy but most importantly, check what is EXCLUDED from your travel insurance policy.

Research the area you are going to. What is the weather likely to be like? Is there any danger of hurricanes or tropical storms? Floods? How about Mosquito borne disease? What is the crime rate like? Whatever the perceived dangers your research uncovers then make sure that your travel insurance covers you for that eventuality. It is no good after the event to find out that you are not covered for rabid dog attacks (because there are so many in that particular area).

Discuss Your Existing Medical Conditions and Requirements – You need to carefully assess your likely medical requirements and make sure that these are declared to the travel insurance company.

If you intend to drive make sure that you are adequately covered. Many hire companies charge astronomic excesses in case of an accident. Make sure that you insured for that excess (and it will be a lot cheaper than paying the hire company’s rates for that same cover).

Make sure you have the necessary documentation for travel in that country. Take Spain for example which is part of the European community and will offer free health care say to a UK citizen on holiday or living there. There are certain conditions, one of which is that you must have a UK E111 form, if you don’t have that, you will not be treated. You must also go to a national health hospital, which are not in abundance in certain areas of Spain.

If travelling in Europe, it may pay to get a EHIC (European Health Insurance Card) as this will remove a lot of worry should you need any emergency treatment.

Okay, so there you have it. 7 things to do before buying travel insurance for the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there’s an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print first. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, (insert for your favourite potentially dangerous sport here), scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on. That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.

Although it makes sense to get in touch with a life insurance company to cover your dependents in the eventuality of your untimely death, there are integrity issues surrounding the insurance companies and agents. Broadly there can be 3 ways your life insurance company is scamming you. We have enlisted them for your benefit.

Selling Coverage that you don’t need!
The insurance companies thrive on the fact that most people don’t understand their life insurance needs. With standard products, they try to sell you coverage that you might not need, but, which are lucrative for them. The insurance agents expedite the process so that you skip the fine print and sign up for a coverage that is ill-suited to your needs. The trick is to play on your fear factor and sell you heavy insurance, even if you don’t have dependents.

Coaxing you to pay ‘Cash’
We strongly suggest, do not pay your premium through cash to an agent. Further, do ensure that you get a receipt for the payment. There are numerous fraudulent entities posing as genuine insurance agencies that extract hard cash from you in lieu of insurance premium. They ask you to sign at blank spaces in a form, assuring you that it is just a formality. Once you have fallen for their trick, you are left without an insurance coverage. The worst part is that most victims only come to know of this scam, when they have met with some mishap and there is not insurance to cover them.

Luring you with benefits!
Insurance agencies and agents have a way of promising you unbelievable benefits out a life insurance policy. Life insurance agents might offer you plans, with a guarantee that the policy would run premium-free for a specific period. Some agents play it smart and offer you great discounts for signing you up for a new policy, while replacing an old policy. The trick is that the old coverage gets terminated and new coverage does not get initiated due to the cumbersome procedural bottlenecks. Thus, exposing you to risk without cover.

According to a recent survey almost a quarter of UK citizens are over weight but, says Cancer research UK, 25% of these are simply not interested in losing weight. We are in fact the second most obese nation in Europe, second only to Greece.

This not only concerns the UK Government, who have just announced a concerted campaign to tackle the problem via GP’s, but also the life insurance industry.

The problem is that many people are still sensitive about their weight. Sensitive to the extent that they’ll convince themselves that they’re sticking to a diet when they are patently not. The loss of a pound or two occasions celebration, whereas the same two pounds going back the next day remains unannounced. Ring any bells for you?

Well normally, a porky or two about your true weight doesn’t harm anyone – other than perhaps yourself. But now life insurance companies are having to take a much closer interest. They suspect that lots of people are telling lies about their weight on their life insurance applications.

Consequently, Scottish Provident, one of Britain’s biggest life insurers, is tightening up its application procedures. Now, as well as asking applicants how much they weigh, they’ll be asking when they last weighed themselves. It’s an attempt to encourage applicants to answer more accurately rather than pluck a figure out of thin air or being economical with the truth.

A spokesman for the insurer said, “We know that people normally understate their weight, mainly because they are in denial about the subject, although there are also some people who will lie just to get cheaper premiums?.

The British Medical Association classifies someone as “obsess? if their Body Mass Index (BMI) exceeds 24 but most insurance companies are now using 30 as their obesity definition. Above that figure and you’ll find that they’ll load your premium and even ask to have a medical examination. Anyone who is overweight could easily see their life or critical illness insurance premium loaded by up to 50% – and extreme cases, cover will be refused.

So, if you want to know your BMI, take your height in meters and multiply it by itself. Then take the result and divide it by your weight in kilograms. The result is your Body Mass Index.

Whilst BMI has become the accepted method of assessing someone’s weight, it does have limitations as it doesn’t discriminate whether the weight is being carried in fat or muscle. And a study of 33,000 adults reported recently in The Lancet, concluded that the medical profession’s “over 24? BMI obesity definition could be raised to “over 25? without harming health. That’s the equivalent of adding an extra half stone. Their research also found that only adults with BMI’s in excess of 35 suffered a pronounced lowering in life expectancy.

But in accepting a BMI level of 30, the life insurance industry has taken a cautious mid position. Well, if it was your money at risk, wouldn’t you?

As a nation we in the UK are becoming wealthier. With the rise in our overall wealth has come a desire to spend our money on certain luxuries we enjoy. And one of the boom industries when it comes to spending this money is on the second home – the cottage in the countryside where we can spend the weekends. However, as this is considered your second home, and not your principal residence, the home insurance is going to cost you more than it will do for your principal residential home. To avoid this expense becoming burdensome, however, you may want to consider taking the following steps:


The Number 1 reason why your second home will cost you more to insure than your principal home is because you are not there as often. As such, your lack of presence providers potential thieves with more of an opportunity to steal items from your home. In order to mitigate the chances of this happening, and so as to placate your home insurance provider into lowering your home insurance premiums, you will need to make sure that your second home has a sufficiently good security system. In effect, what this means is that you second home should have:

– a central alarm system
– a smoke detector
– deadbolt lock systems on your doors
– no area of the garden should be obscure, so you may need to cut back trees
– adequate lighting, which you should have on a timer system so that you second home is not consistently in the dark
– secure main entrance and back door
– secure garage area

Home insurance loss assessment advisors calculate that you are 20 – 30 percent less likely to have your home broken into if you have a good security surveillance system in place than if you do not.

Employ and agent

Employing an agent or friend to check in on your house daily and clear away any junk mail or local newspapers that may be delivered to your home can also help to reduce the chances of your second home being broken into, thus reduce your second home insurance premiums. Keep in mind that nothing makes a house look unlived in more than a collection of mail on the floor mat.

Select a relatively crime free neighbourhood

Finally, when looking around to buy your second home, make sure that you select a neighbourhood where the crime figures are relatively low. Crime figures are a major factor in calculating home insurance, so if you chose to live in an area where the crime figures are high, you should automatically expect to be paying more in home insurance premiums for that home.

There are numerous people who love to travel. It gives them a feeling of contentment and excitement for they are bound to discover new things from a strange and new place. Whatever your reasons are in traveling to another place, wouldn’t it be more secure to have even a cheap travel insurance?

Nowadays, it is quite important to have travel insurance. Just because you’re getting a cheap one does not necessarily mean that you’re getting the worst. There are good cheap travel insurance policies out there and you can easily find them if you know where to look.

So the next time you fly to another country, try to obtain a cheap insurance policy. This way, you can enjoy traveling and you will have peace of mind. You see, accidents can happen any time and if you’re prepared, you will have fewer things to worry about. Hospital bills and medical treatments are rather expensive abroad. Things can get even worse if you’re injured or severely ill and needs to be evacuated back to your home country. The medical evacuation alone can cost over $50,000. Your ordinary medical insurance may not be accepted in the place that you’re planning to visit. But if you have travel insurance, your trip can be covered.

Because of the use of the internet, it is much easier to obtain cheap travel insurance nowadays. Simply make a search in any search engine online like Google, Yahoo, and other search engines. The search results will be displayed and you can click on the links posted on the screen. If you’re diligent in your search, you can find the best cheap travel insurance online. Remember, it would be best to choose an insurance provider with a good reputation and who has been around for several years in the industry.

Oftentimes, cheap policies are valid for short term only but at least you can insure your travel over a specified period. You can compare several travel insurance policies online by getting insurance quotes. There are websites that can be of help to you as well. Look for a good comparison website to aid you in your search. You only need to provide pertinent personal information and your specific needs. After providing your personal information, you will be able to receive quotes from different insurance providers. This is by far the quickest and easiest way to compare and choose cheap travel insurance.

Travel insurance is more costly these days. However, you have a choice and that is to get a cheap policy. As mentioned earlier, try to hunt for the cheap policies online because the insurance companies offer them cheaper online since you don’t have to consult an agent. You can even save about 20%; so you see, this is already a good deal.

When looking for cheap travel insurance, you should also consider the premium and the deductibles. By paying lesser premiums, you will have higher deductibles. Before choosing any travel insurance, it is very important to check the premiums. In the end, it will be up to you and the policy that you choose. Try to familiarize yourself first with the insurance policies especially if this is your first time to secure one.

Cheap travel insurance is easy to find online. Try to look at different websites now so that you can already start with your search. You can even ask a friend or family member to help you in your online search.

To start with review and understand your life insurance requirements. Figure out if you really need life insurance at this point in time or not. If you don’t have any dependents, then don’t go in for life insurance policy.

Consult an insurance Broker! Consult an independent insurance agent/broker to get an unbiased understanding of the market. The agent/ broker would be in a better position to synchronize your unique insurance requirements with the most affordable option available. It is known that even after procuring the policy these agents help in getting the most out of the plan.

Go the Online Way! Some of the cheapest life insurance quotes come from online insurance companies. This is because they have lower overheads as compared to traditional service providers. Also, the fact that it is easier to compare plans and rates over the internet puts additional pressure on these online vendors to downgrade their quotes.

Shop, Compare and Bargain Hard! Explore the market thoroughly. It would be one effort you would not regret. Gather the quotes for different coverage tiers in line with your requirements and then compare them judiciously. Ensure that you compare apples to apples! Keep in mind that a quote that comes with the lowest initial payment might not be the cheapest one. When you talk about life insurance, think long term. A policy with a higher premium might be a value for money plan. Once you have short-listed your best picks, it is time to sit down with the respective insurance companies and negotiate the best price. Remember, information is power – if you know the market, you can bargain hard and get the lowest possible quote.

At the end of it all, do remember that life insurance is not a mere cost, but an investment that you are making to secure your family. So, try to decide on the coverage and then try to minimize the cost.

There comes a time in everyone’s life when you just don’t have enough money to cover your expenses between paydays. Whether it’s due to an emergency car repair, an injury not covered by health insurance or some other emergency it happens to more people than you think and you’re not alone. Most everyone has run out of money before they’ve run out a month and sometimes a payday loan is the right solution for your situation.

Below are 10 tips you need to consider before applying for a payday loan.

1. In order to qualify for a payday loan you need to be at least 18 years old and have a job on a full-time basis.

2. You need to be receiving a steady income on weekly, bi weekly or monthly basis.

3. You need to have a checking or savings account.

4. When you apply for a payday loan online or in person you will need to have proof of these items to convince the lender you are a trustworthy risk and you will be able to pay back your payday loan.

5. When choosing a payday loan company be sure it is registered and in good standing with the Better Business Bureau with no outstanding or unresolved complaints.

6. You need to understand the terms of the payday loan you are applying for.

7. When selecting a payday loan company online their website needs to clearly state the fees involved and the interest rate being charged.

8. You need to know the penalties if you do not pay the loan back on time.

9. You need to read and understand the fine print of your payday loan.

10. If you can not easy find the above information on the lenders website then don’t use them.

There are plenty of payday loan companies online that are completely legitimate but you need to protect yourself by reading the fine print. One rule of thumb I use is if a company is advertising on the internet they are most likely trustworthy because it cost money to advertise and the company would have to be profitable to pay for the advertising. Most customers will not deal with a non-reputable company very long and they eventually will be out of business with no profits to spend on advertising.

As you consider the above tips keep in mind you need to be able to repay your payday loan and still cover next weeks bills. Payday loans at times make perfect sense and you need to use them wisely to help your short term cash flow problems.

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