Improving Your Home Is Not Just About Making Money Insuring Your Travel Tours Trading Forex With Pivot Points Your House For Money

Look around your property and you’ll probably be able to savour the fruits of your hard work over the years which may have enabled you to add on attractive features such as an extension, a conservatory, en suite facilities to bedrooms and many additional features.

We all continually look to identify areas of our homes which we can alter to make our living experience more enjoyable and inviting and landscaped gardens have the added benefit of something you can enjoy all year round.

It’s a well known fact that estate agents and property experts consider a well-landscaped garden to add a dramatic financial increase to the value of your home, often above and beyond a new kitchen or bathroom suite and people are increasingly turning towards a home improvement loan as a sure fire way to reap the benefits of a beautiful, uniquely designed garden to add even more value to their home.

However, it’s not only the financial benefits that you’ll reap even though many people will tell you that the market price of their home as a result of their new garden far outweighs the cost of the home improvement loan used to fund it.

For example, a well landscaped garden can actually lower your utility bills and help you to conserve energy. This is because newly planted trees, hedges, shrubs and grasses strategically situated can protect your home from winter winds yet simultaneously allow you to catch any winter sun. And, in the summer, the trees can absorb the heat and keep your home cooler.

If you enjoy wildlife, a good landscape gardener can design your new garden in such a way that it attracts wildlife such as birds, squirrels and insects. It also has environmental benefits in that the vegetation protects water supplies, can provide nutritious food in the form of organic fruit and vegetables that are far tastier and less expensive than similar supermarket varieties and your carefully designed garden can reduce air pollution and, in some cases, can lower noise pollution by blocking out surrounding sounds.

All of us like to sit outside on balmy summer evenings and to do that in a beautiful setting within the grounds of your property whilst perhaps listening to some relaxing music, enjoying a nice meal washed down with a fine bottle of wine and enjoying good company and conversation or, perhaps, listening to the birdsong or the gentle sound of water trickling down from the fountain into your pond has to make any investment worthwhile. There’s nothing much better than having a landscaped garden to make you long to get back home at the end of a tiring day at work.

If you are ready to book a vacation deal for you and your family, one thing you may want to consider is whether or not you need to invest in travel insurance. Many travel agents will tell you that you should always have travel insurance, just in case, to make sure you can get your money back for all those hotel reservations, airline tickets and travel tours, but you may be wondering if you really need it.

There are many things that could happen to make travel insurance a necessity. Some may relate to you, such as an illness that limits your ability to travel. Others may be things that are totally out of your control, such as an airline that goes out of business and leaves you with no flight at the airport. If you have travel insurance you will be able to recoup your expenses. Anyone who has ever found him or her self in such a situation likely thinks travel insurance is worth its weight in gold.

What if something happens to you when you are already traveling? If you are in a foreign country and are injured, it is possible that your medical insurance will not cover your expenses. If you have travel insurance it will cover the cost of your treatments for whatever medical issue you are experiencing.

Another consideration that no one wants to think about is if there is another terrorist attack. When 9-11 occurred, many people started to have second thoughts about traveling to countries where terrorism had occurred or where regular terrorist instances were likely. Just because an area is threatened by violence does not mean the airlines have to give you any of your money back if you decide not to fly, unless you have travel insurance.

There are many other things that may cause a flight to be cancelled. From weather to an airline strike, there are a lot of things that can happen to stop you from getting to go on a flight that you had paid for. If a flight is not rescheduled, it is possible that the airline will not offer a refund. This is another time travel insurance will come in handy, helping you get your money back if your flight does not take off, no matter the reason.

There is little worse than getting to your destination only to find your luggage has not made the trek with you. Sometimes the bag will turn up. Other times, it is lost for good. Travel insurance can lessen the impact of this loss by insuring the items that are inside your suitcase so you can replace what you have lost.

If you have decided travel insurance is the way to go, make sure to do a little research before you buy. Not all travel insurance plans are alike, and you should look through the offerings of a number of companies before settling on just one. Also, if you are a regular traveler, you may even want to look into a long-term travel insurance police.

Forex Pivot Point Trading are used today by Forex Traders and are calculated on the previous days move and trades are entered when the market hits a support or resistance line of the pivot point providing your OB/OS indicator is in agreement. All the support and resist lines are put in place 1st thing in the morning. then you wait for the market to hit those entry Points.

Contrary to what some might believe, trading Forex with Pivot Points are probably the most popular method used in trading the financial markets today. Long before the invention of computers this was the method used by the traders in the pits to determine hidden support and resistance levels.

The Pivot Point is still used by experienced floor traders and technical analysts alike. The major advantage now is that we now have computers and can calculate our points well in advance. Many charting packages can calculate them for you automatically, thus enhancing the use of Pivot Points.

Whilst there is a lot more to Pivot Point Trading in Forex Trading than we will be mentioned in this article, the purpose of this exercise is to introduce you to the concept of trading Forex with Pivot Points.

Remember the market can only go up, down, or sideways. It is like an elastic band that has been stretched, sooner or later it will rebound to an equilibrium point where the market is in balance, and then stretch the opposite way only to rebound and reach another balance point. Then some fundamental announcement or happening will drive the market in a new direction and so on day after day. Pivot Points can aid us in determining how far that elastic can stretch before it rebounds.

Whilst there are many time frames that can be used for calculating Pivots, for the purpose of this exercise lets concentrate on the daily time frame (i.e.: 24hr) Pivot Points are calculated using the previous days, Open, High, Low, and Close figures. There are many Pivot Point calculators available on the web so you don’t have to waste your time doing the calculations manually. Also bear in mind the longer the time frame you are using the longer you must be prepared to stay in the market or wait for the next entry point.

Pivot points unlike many other indicators are an objective tool. Because they are mathematically calculated, there can only be one answer for a specific time period.

Many subjective indicators like Fibonacci retracements, (and I am a great fib fan) Elliot waves etc. can have different people trading in different directions at the same time due to individual interpretation..

The PP’s can help you to predict the next day’s highs and lows in advance. PP’s can give you anything from 4 to 8 support and resistance levels. However you still have to be able to identify the trend to be a successful PP trader. Pivot Points also work best in a trending market.

Entry and exit points

Pivot Points can give you exact entry and exit points, rather than enter markets that are in the middle of a run, or about to turn the other way. Here is where we use other indicators to assist on the entry or exit. If the market stalls at a Pivot Point level, and you have an overbought or oversold indicator that will be a good time to get in or out. Or if a Fibonacci level coincides with a Pivot Point level it can make a strong case to enter or exit a trade. If the market is bullish and your favourite indicator is not near overbought, when it hits the first resistance level then you probably have a good case to stay in the market and make your profit target the next Pivot Point resistance line. The breakout above the 1st resistance level can then become your new stop or stop reverse.

Obviously the reverse is true of the support level as well. By combining the Pivot Points with your favourite indicator you can develop your own trading system that no one else uses.

Trading for the day will probably remain between the 1st support (S1) and resistance (R1) levels as the floor traders make their markets. Once one of these levels is penetrated other traders will be attracted to the market, and should the second level be breached, the longer term traders are attracted to the market.

Knowledge of where the floor traders are expecting support or resistance can be a distinct advantage especially when there is no outside influence in the market. Provided no significant market news has occurred between yesterdays close and today’s opening, the local floor traders and market makers tend to move the market between the Pivot Point (P) and the first support line (S1) and resistance (R1) If one of these levels is breached then expect the market to test the next levels (S2) and ( S3) or (R2) and (R3)

Whilst there are many other aspects to Pivot Point trading why not try this simple method first and see if you can develop your own strategy by using your existing trading technique’s in conjunction with the Pivot Points.

You need money. You need it badly. At 65, however, you don’t have the stamina to stomach the inconvenience a long-term loan would require. So, what do you do? You tap into the value of your home and convert it into cash! This is possible through reverse mortgage. Reverse mortgage lenders let you borrow money against your own property.

Why go to a reverse mortgage lender and not a bank? We asked people who have been to their reverse mortgage lenders, and these are the reasons they gave.

1. You do not need to pay back the loan UNLESS you decide to sell your house, change address, or – inconveniently for you and your reverse mortgage lender – die.

2. Release of the loan is not based on credit history. What is it based on then? The equity of your home is one factor, but there are also a host of others.

3. Payments, or non-payment for that matter, to your reverse mortgage lenders would not affect your Social Security, Medicare, or pension benefits.

4. Payments and loan amounts are tax-free.

5. You are given flexible options in receiving your loan. Reverse mortgage lenders could give you your money in a lump sum, in monthly installments, as a line of credit, or as a combination of the three methods.

How does one qualify for a reverse mortgage? Can anyone just call any reverse mortgage lender in the phonebook, and borrow against his or her own house? The answer is no. Reverse mortgage lenders wouldn’t touch you with a ten-inch pole unless you pass the following criteria:

1. You must be 62 years or older.

2. You must own your residence. This could be a house, condominium, or a townhouse. Additionally, this property should be listed as your primary residence. If you are co-op owner, you are not eligible.

3. Most reverse mortgage lenders require that there’s no other debt against the home.

Before you see any reverse mortgage lender, however, you should be aware of the following:

1. Aside from house equity, other factors reverse mortgage lenders consider are the age of the borrower, interest rates, and the loan fees.

2. Reverse mortgage lenders often give high costs to cover origination fees and closing costs.

3. Even with the help of a loan from your reverse mortgage lender, you will still be the one to keep paying for your property taxes, insurance and general housekeeping of your property.

4. Your collateral is your house. If you don’t give up the title or deed of the home at any point, the loan amount can never exceed your home value.

The principle behind reverse mortgage is simple. It treats your house as a valuable commodity, one with parts you could make money out of if you so choose. It gives you an alternative to the usual loans banks offer. Reverse mortgage might not always be the best solution to your cash woes. Still, there’s peace of mind that comes from knowing you could always run to a reverse mortgage lender should the need for one ever arise.

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