US Dollar Still Ahead of other Currency Markets

The US dollar has been outdoing other currencies for a while now. While other countries are being bombarded by economic struggles, the US economy seems to be standing firm on its own.

Volatility prices are decreasing at a rapid rate, which is forcing the US to consolidate. Meanwhile, the Dow Jones Dollar Index is reporting an upward surge in the US greenback when compared to other currencies such as the Australian dollar and the Japanese Yen. As the US dollar continues to stay on top of other currencies, binary option like Scam Watchdog is making sure that dealers in foreign currencies have the right information when it comes to their security.

 

Asian Currencies

Asian stocks received some encouragement based on the positive report given by the US Federal Reserve. The Feds painted a positive picture of the country’s performance in the past and leading up to the present. Asian stocks rose base on positive performance that the US is expecting to continue generating growth for the rest of 2015 and leading into 2016. The Japanese Nikkei rose 1.2 percent while shares on the Australian market went down 0.7 percent.

Asian Pacific shares went up 0.4 percent and this is showing a certain level of confidence in the US economy. In this week, the greenback rose to its highest gain to 0.1 percent when trading took place on the Asian exchange. The dollar traded at 124.075 yen.

The euro went down 0.2 percent and stood at $1.0964. The fall of the euro might be a reflection of a strong risk appetite, which is being used as a currency to fund risk assets investments.

In the US, positive inflation and housing data led to an outstanding performance by the country’s currency. Since the information about inflation and housing was revealed, Janet Yellen who is the Federal Reserve chairperson hinted that it might be time to lift the country’s interest rates sometime down in the year.

 

New Zealand Currency Ranks High With the Dollar

New Zealand’s currency was the only bright spark when compared to the US dollar. The Kiwi currency went into recovery mode after slumping for six years with an amount of $0.6498. The recovery brought a sense of relief to financial analysts in the market. An acceptance therefore came about among key players in the economy that the finances of the country are picking up at a rapid pace. The fast growth of the Kiwi economy is causing a concern among big financial players in the economy and thus there is now a move on by government to cut interest rates to facilitate growth.

 

Since the US dollar has shown an increase over the past week, dollar bulls are investing in the country’s currency in an effort to snatch greater profits from their investment. One dealer that deals with an international bank based in London says, “All of the commodity currencies are taking a hammering from the dollar’s rise”.

How Will the Gold Market Preform Against the Dollar

The gold market also helped to strengthen the US dollar. As gold went down 4 percent, the dollar went up because of added pressure placed on other currencies such as the Canadian and Australian dollars as well as the Norwegian crown.

While the euro and other world currencies directions are heading downwards, the US dollar is on an upward trend. With many woes facing certain countries like Greece and others, the value of international currencies are expected to continue falling. However, with a strong US economy to contend with, the greenback will always be outperforming other country currencies.

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New Year’s Day 2019 – Wall Street

New Year’s Day, also called simply New Year’s or New Year, is observed on January 1, the first day of the year on the modern Gregorian calendar as well as the Julian calendar.

In pre-Christian Rome under the Julian calendar, the day was dedicated to Janus, god of gateways and beginnings, for whom January is also named. As a date in the Gregorian calendar of Christendom, New Year’s Day liturgically marked the Feast of the Naming and Circumcision of Jesus, which is still observed as such in the Anglican Church and Lutheran Church.[2][3]

In present day, with most countries now using the Gregorian calendar as their de facto calendar, New Year’s Day is probably the most celebrated public holiday, often observed with fireworks at the stroke of midnight as the new year starts in each time zone. Other global New Year’s Day traditions include making New Year’s resolutions and calling one’s friends and family.[1]

In Christendom, under which the Gregorian Calendar developed, New Year’s Day traditionally marks the Feast of the Circumcision of Christ, which is still observed as such by the Anglican Church and the Lutheran Church.

Mesopotamia (Iraq) instituted the concept of celebrating the new year in 2000 BC, celebrated new year around the time of the vernal equinox, in mid-March.[4][5] The early Roman calendar designated March 1 as the new year. The calendar had just ten months, beginning with March. That the new year once began with the month of March is still reflected in some of the names of the months. September through December, our ninth through twelfth months, were originally positioned as the seventh through tenth months. (Septem is Latin for “seven”; octo, “eight”; novem, “nine”; and decem, “ten”.) Roman legend usually credited their second king Numa with the establishment of the months of January and February. These were first placed at the end of the year, but at some point came to be considered the first two months instead.

The January Kalends (Latin: Kalendae Ianuariae) came to be celebrated as the new year at some point after it became the day for the inaugurating new consuls in 153 BC. Romans had long dated their years by these consulships, rather than sequentially, and making the kalends of January start the new year aligned this dating. Still, private and religious celebrations around the March new year continued for some time and there is no consensus on the question of the timing for January 1’s new status.[6] Once it became the new year, however, it became a time for family gatherings and celebrations. A series of disasters, notably including the failed rebellion of M. Aemilius Lepidus in 78 bc, established a superstition against allowing Rome’s market days to fall on the kalends of January and the pontiffs employed intercalation to avoid its occurrence.[7][8]

In AD 567, the Council of Tours formally abolished January 1 as the beginning of the year. At various times and in various places throughout medieval Christian Europe, the new year was celebrated on December 25 in honor of the birth of Jesus; March 1 in the old Roman style; March 25 in honor of Lady Day and the Feast of the Annunciation; and on the movable feast of Easter. These days were also astronomically and astrologically significant since, at the time of the Julian reform, March 25 had been understood as the spring equinox and December 25 as the winter solstice. (The Julian calendar’s small disagreement with the solar year, however, shifted these days earlier before the Council of Nicaea which formed the basis of the calculations used during the Gregorian reform of the calendar.) Medieval calendars nonetheless often continued to display the months running from January to December, despite their readers reckoning the transition from one year to the next on a different day.

Among the 7th century pagans of Flanders and the Netherlands, it was the custom to exchange gifts on the first day of the new year. This custom was deplored by Saint Eligius (died 659 or 660), who warned the Flemish and Dutch: “(Do not) make vetulas, [little figures of the Old Woman], little deer or iotticos or set tables [for the house-elf, compare Puck] at night or exchange New Year gifts or supply superfluous drinks [another Yule custom].”[9] However, on the date that European Christians celebrated the New Year, they exchanged Christmas presents because New Years’ Day fell within the twelve days of the Christmas season in the Western Christian liturgical calendar;[10] the custom of exchanging Christmas gifts in a Christian context is traced back to the Biblical Magi who gave gifts to the Child Jesus.[11][12]

Because of the leap year error in the Julian calendar, the date of Easter had drifted backward since the First Council of Nicaea decided the computation of the date of Easter in 325. By the sixteenth century, the drift from the observed equinox had become unacceptable. In 1582, Pope Gregory XIII declared the Gregorian calendar widely used today, correcting the error by a deletion of 10 days. The Gregorian calendar reform also (in effect) restored January 1 as New Year’s Day. Although most Catholic countries adopted the Gregorian calendar almost immediately, it was only gradually adopted among Protestant countries. The British, for example, did not adopt the reformed calendar until 1752. Until then, the British Empire – and its American colonies – still celebrated the new year on 25 March.

Most nations of Western Europe officially adopted 1 January as New Year’s Day somewhat before they adopted the Gregorian Calendar. In Tudor England, New Years Day, along with Christmas Day and Twelfth Night, was celebrated as one of three main festivities among the twelve days of Christmastide.[13] There, until the adoption of the Gregorian Calendar in 1752, the first day of the new year was the Western Christian Feast of the Annunciation, on 25 March, also called “Lady Day”. Dates predicated on the year beginning on 25 March became known as Annunciation Style dates, while dates of the Gregorian Calendar commencing on 1 January were distinguished as Circumcision Style dates,[14] because this was the date of the Feast of the Circumcision, the observed memorial of the eighth day of Jesus Christ’s life after his birth, counted from the latter’s observation on Christmas, 25 December. Pope Gregory acknowledged 1 January as the beginning of the new year according to his reform of the Catholic Liturgical Calendar.[15]

 

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14 Very Successful People who Wake up Very Early

The saying goes “the early bird catches the worm,” and as it happens, research would suggest that there’s some level of truth in this old adage.

Waking up either before or with the sun permits high-level executives to get a good head start on the day ahead. They knock out task after task well before the rest of the world has even thought about rising from bed.

And those extra hours provide them with some time to do creative thinking, perhaps fit in a workout, and to spend a little bit of time with the family.

 

CEO at General Motors: Mary Barra

Just as her predecessor was before her, the current chief executive at GM, Mary Barra, is very much an early riser. Regularly, she arrives at the office by 6 a.m., and she’s been doing just that even prior to her appointment as CEO.

 

CEO at AOL: Tim Armstrong

According to Tim Armstrong’s interview with The Guardian he’s not a big sleeper. He wakes around 5 or 5.15 a.m. and then works out, reads, and tinkers around with AOL’s products, as well as answering e-mails.

 

CEO at Xerox: Ursula Burns

Burns rises at 5.15 a.m. even though, sometimes, she’ll work until midnight. When she rises, she’ll catch up with her e-mails. Further, she schedules a bi-weekly 6 a.m. workout.

 

CEO at GE: Jeff Immelt

Immelt rises at 5.30 each morning and does a cardio workout. Simultaneously, he watches CNBC and reads the papers. Apparently, over the past 24-years straight, he’s worked 100-hour weeks.

 

CEO at PepsiCo: Indra Nooyi

Nooyi rises at 4 a.m. She told Fortune that sleep is a gift from God, a gift that she was never given. She arrives at work every day never later than 7 a.m.

 

CEO at Fiat Chrysler: Sergio Marchionne

Marchionne is in the habit of waking at 3.30 a.m. to catch up with European markets. According to an executive he works with, Marchionne would travel to Italy when it’s a holiday in the U.S. And when it’s a holiday in Italy, he’ll return to the U.S. to continue with work.

 

Cofounder of PIMCO: Bill Gross

Now managing portfolios at Janus Capital in Denver, Gross begins his day at 4.30 a.m. to assess the world markets. He’s always in the office before 6.

 

Founder and chairman of Virgin Group: Richard Branson

Branson usually wakes at 5.45 a.m., irrespective he’s holidaying on his private island. He always leaves the curtains open to allow the sun to wake him. His habit is to exercise prior to breakfast, and then go to work.

 

CEO at Virgin America: David Cush

Cush wakes at 4.15 a.m. to get on with e-mail correspondence and calls to business associates in the East. Next, he reads the paper while listening to sports radio, then goes to the gym for some cardio.

 

CEO at Square: Jack Dorsey

Dorsey, who cofounded Twitter, wakes at 5.30 a.m. and meditates prior to going for a six-mile jog.

 

Founder and CEO of Hint Water: Kara Goldin

Goldin wakes at 5.30 a.m. “on the dot,” and checks over her calendar. She then catches up on any unread e-mails. Next, she sips a double latte and goes for an early morning hike together with her husband and dogs before getting on with work-related calls at 7.15 a.m.

 

CEO at Apple: Tim Cook

Cook wakes at 3.45 every morning to get on with e-mails for the first hour. He then heads to the gym, then to Starbucks where he deals with more e-mails, and then to work. He says that if you really love what you do then it’s never thought of as work and this is his good fortune.

 

CEO at Disney: Bob Iger

Iger rises at 4.30 in the morning and reads the papers while exercising, listening to music, watching TV, and checking e-mails – all at once. It’s his “quiet time,” but he’s still intent on multi-tasking.

 

Chair at Ellevate: Salle Krawcheck

Former Citigroup CFO and current chair of Ellevate, Sallie Krawcheck says that she’s always most productive at 4 a.m., at which time she brews some coffee, keeps the lights on low, and occasionally will light up a fire at home. She also says that at 4 a.m. it’s the best time for her to “have a rush of ideas.”

Perhaps it’s too much to ask of your own employees to begin work at 6 a.m. each morning, but with a tool such as Clockspot on your side, you’ll certainly enjoy a far more productive workforce.

Successful people wake up early

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Wall Street Expected to Dominate Cryptocurrency Trading in Future

A New Era for Wall Street

Cryptocurrency continues to gain mainstream acceptance as many investors look to go digital. Interest among Wall Street power brokers appears to be gaining momentum after Goldman Sachs made known its intention to open a bitcoin trading section.

Similarly, the New York Stock Exchange’s parent company, Intercontinental Exchange (ICE), is thought to be working on a bitcoin trading platform of its own. The Wall Street Journal revealed that ICE had discussions with some financial companies regarding the project, which is still under development. While ICE is believed to be working on adopting cryptocurrency, there’s still no further information concerning the project yet.

Of these companies, Goldman Sachs seems to be the most serious about getting involved with cryptocurrency. The American multinational investment bank and financial services company is also considering offering a Bitcoin Futures.

If it ends up doing so, the New York-based organization will join the likes of the Chicago Mercantile Exchange (CME) and the Chicago Board Options Exchange (CBOE), which are already providing Bitcoin Futures contracts to their customers as one of the few firms to allow exposure to the price of cryptocurrencies without owning them.

It may seem too soon to talk about the Wall Street allowing investors to invest in cryptocurrency, but the move by the likes Goldman Sachs and Intercontinental Exchange represents a significant shift from a sector that was once very unwelcoming to digital currencies. Indeed, their involvement may yet prove to be a game changer.

Wall Street’s Anticipated Domestication

Newsbtc.com reports that UK’s Barclay’s Plc had revealed its plans to embrace cryptocurrency per clients’ demands. Several other firms within the financial services sector are also said to be pondering similar moves. The Newsbtc piece suggests that investment banks are open to the possibilities of trading cryptocurrency, provided it enables them to meet customers’ needs.

Beyond broking, custody, and everything in-between, Matt Levine, a former investment banker with Goldman Sachs maintains that banks must consider it a necessity to trade cryptocurrencies, so long as clients expect to be rendered such services.

The emergence of the Bitcoin futures contracts is believed to have made the market more accessible to money managers. Levine reckons banks may one day domesticate cryptocurrency if clients demand is high enough.

It may take some time before Wall Street finally dominates cryptocurrency trading. However, the perception shifts in the financial services industry suggest that day may not be very far away after all.

More so, the fact that Bitcoin Futures makes it possible for investors to speculate on the currency’s price without actually needing to own it could lead to more widespread adoption shortly.

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5 Efficient Ways To Save Up Money To Travel

Travel Fund

People often find themselves questioning how best to quickly save up money to get out and travel the world and we don’t blame them! Saving money is hard enough, but add in a desperate want to explore the hidden gems of the world and a lack of money to get there and it can be frustrating! Luckily, saving up to travel doesn’t have to be difficult, nor does it need to be a long process. With the right frame of might, you can save up all the money you need and jet off in as little as couple of months – well, once you have completed your E111 renewal application, of course! From having a dedicated travel fund, to resisting buying those clothes you want, but really don’t need, we’re here to explain efficient ways you can save up money to travel in more detail below.

Have A Dedicated Travel Fund

When you have a dedicated travel fund, you will save up money to travel much quicker than if you put the odd couple of pounds aside in your purse, and if you really want to travel, you won’t dip into your saved funds! It doesn’t matter whether you decide to open a savings account or simply start a money jar to get you started, when its staring at you, you’re far more likely to put the cash you need aside in order to travel.

Spend Less On Lunch

A great way to save up money to travel is by spending less on your lunch. These days, it’s far too easy to pick up a meal deal on your way into work, and whilst a £3.00 meal deal seems like a good deal for a sandwich with your favourite filling, packet of Walkers crisps and can of coke, the cost can add up quicker than you can eat it! Think of it this way, if you buy a £3.00 meal deal for every working day of the week, you are spending approximately £60.00 a month on your lunch alone, which could cover the cost of your flight depending on where you plan to travel to! The moral of the story? Make your own packed lunch!

 

Two businesswomen having lunch

Stop Buying

Saving up money to travel can be as simple as to stop buying. Whilst you will (obviously) need to buy groceries, you can save a tonne of money by restraining yourself buying the latest gadgets or clothes. The next time you want to buy something, ask yourself: do you really need it? More often than not, the answer will be no. It takes a whole load of courage to put something you really want – but don’t need – down, but when you step on board that plane, you’ll be more than happy that you did!

Cancel Subscriptions & Memberships

It’s a given. Almost all of us are subscribed to websites, such as Netflix, and have gym memberships we try our utmost to avoid no matter what we promise ourselves in the New Year. In order to save up money to travel, get rid of any subscriptions you no longer need and any memberships you can simply do without, because, let’s face it, if you haven’t already used your gym membership card, it is highly unlikely that you will in the next few months!

Write A Shopping List, And Stick To It!

The next best way to save up money to travel is to write a list when you go shopping, and stick to it! It is far too easy to walk into your local supermarket and pick up the latest offers, snacks that tickle your fancy and food you simply don’t need to buy. In order to avoid impulse purchases, a grocery list is the perfect way to save money that you can put towards travel and it save time because you will know exactly what you will be having for dinner before you step through the sliding doors.

There a countless ways you can efficiently save money to travel, these are just some of them. From cancelling unwanted subscriptions and costly memberships to spending less on lunch by quitting the meal deal fad and making your own packed lunch, saving up money to travel really isn’t as difficult as you may think.

 

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INTERNATIONAL COMPANIES CUTTING COSTS – Wall Street

Over the next few years, a large majority of international businesses are expected to experience a cost cutting drive in order to adjust to lower prices, increasing competition and an unpredictable economy. There are many reasons as to why international businesses are deciding to embark on huge cost cutting drives, with one of the most significant being as a method to significantly transform the company and work towards development and growth. So, how are international businesses choosing to cut costs? Here are just some of the most common cost-cutting methods that those working for international companies can expect to see.

Performance Tracking

Many companies are taking on the lean method of business as a way of cutting costs over time. This involves ongoing performance tracking, something which is laid out as one of the key components of six sigma certification (see 6 Sigma for more information). This type of ongoing performance tracking will help international companies to better determine which costs are necessary, and which are not. Ongoing tracking and evaluation of performance gives businesses a better chance to discover which product lines and/or services are not profitable enough, so that they can cut the cost of these as soon as possible.

Employee Training

Smart employee training is going to see a surge as the cost cutting drive continues for many international businesses. As more and more businesses realize that employee training on a regular and ongoing basis is a smart investment to make, there will be less costs as employees are better equipped to deal with their tasks or any problems which might arise that are not a standard part of their day to day tasks. Although this method of cost cutting may seem more like an extra expense, smart business owners internationally are realizing that in order to cut costs, it is often necessary to make some investments.

Increased Efficiency

International businesses worldwide are attempting to increase efficiency significantly in order to be in with the best chance of effective cost-cutting. Increased efficiency using methods such as replacing manual labour with machines, is likely to speed up hundreds of different business processes, reduce wages, and allow more to be completed in a shorter amount of time. Because of this, investing in methods to create more efficiency in a business is expected to increase among many international companies as the cost-cutting drive continues.

Why Cut Costs?

For a business which is experiencing a positive cash flow, it’s often still necessary to cut costs. This could depend on a number of different reasons, for example the business’ future predictions, their current sales trends, and whether or not there are simply any costs in existence which are unnecessary to the running of the business and can be gone without. This allows businesses to cut as many costs as is possible in order to keep profitability at the maximum.

Is your business planning a cost-cutting drive? Why, and how do you plan to cut costs? Join the discussion in the comments below.

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How to Choose the Ideal Health Related Online Course

Ask Yourself the Following Questions:

Do you want to work in healthcare or add to your current healthcare qualifications and experience? If this is the case, there are many different public health degree online courses to choose from. However, there are certain things you should consider before you make this important decision, some of which are listed below.

The Area of Healthcare You Are Interested In

It’s much easier to study a topic you are interested in learning about. This is particularly true when it comes to the public health course you select. Epidemiology, environmental health, global health, nursing, children’s health, infectious diseases, women’s health, men’s health and health policies are just some of the areas covered by health-related courses.

Employability and Career Progression

In most instances, a person who enrolls in a healthcare related course such as the Masters in Public Health online course will eventually work in the healthcare sector. This is why it’s important to choose a course that increases your job prospects or helps you progress in your healthcare career if you are already working in healthcare.

Course Accreditation

Like any type of course, some healthcare related courses are better than others. Do your homework before deciding what course to take and make sure it is accredited through a trusted health education authority, such as the Council on Education in Public Health

Future Salary

Most people work in healthcare to help other people. However, you still have to pay your bills and ensure that you can provide for yourself and your family. This is why you should be aware of the potential salary you can earn, once you get a particular healthcare qualification. A range of healthcare salary websites provide this information, so you know exactly what salary you can expect to earn when you enter a particular healthcare profession.

Time Span of the Course

When you start an online course such as the Master of Public health course, you may have to put many other things on hold and become more disciplined. This includes allocating time to study online, work or family commitments. The weekly hours required to study and the overall amount of time needed to complete the course should be understood before you make your final decision about whether or not to take a particular course.

Talk to People Who Know What’s Involved in a Particular Health-related Course

Learning from the experiences of others will save you a lot of time and help you avoid many problems in the future. The most effective way to do this is to talk to current and previous students on the course you are interested in. Approaching lecturers and educational institutions that provide these healthcare related online courses will also give you a clearer picture of the course, what’s expected of you and how it can benefit you once you graduate.

There are many factors you should consider before you begin an online healthcare related course. The most important factors are listed above. Once you understand every aspect of a course and how it will affect your life going forward, you can make a much more informed decision.

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How Technology is Affecting the Financial Markets.

 

Technology is shaping many different areas of the world, it is speeding up manufacturing, improving our quality of life, making many aspects of life more efficient and effective. One area that has been revolutionized by the advances of technology itself is the financial markets and the stock market. There are several ways how technology has changed and shaped the current state of the markets, and also the future direction. Firstly, ease of use, through technology it is now easier than ever to trade on the stock market, secondly speed, making transactions is faster than ever, and finally depth of information.
Ease of Use

 

 

Apps Like Robinhood

Apps like RobinHood Trading has made it easier than ever to access stock market trading. By being a technology driven brokerage they are able to operate with substantially less overheads seeing a significant reduction in fees. These fees often make casual traders be turned off the idea of the stock market, as low amounts they want to invest will not be worthwhile after paying the various fees to most companies. This has seen a new type of trader, with a lower amount of wealth be able to effectively utilize the markets.
Additionally since it is an app that is available on smartphones, it allows for people to trade anytime and anywhere. This means people are a lot less restricted in trading, and may encourage more people to trade as it is easier than ever. This unrestricted method opens up a wide range of possibilities, and overtime, may influence the way trades are conducted.
Also there are several different types of software and websites that offers free trading. Effectively allowing you to play with “pretend” money to give you a learning experience. This is simpler than ever to use and can easily help you track investments and give you a good immersive experience before risking your own money.
Speed of transactions.

The speed of transactions are now faster than ever. Traditionally trades were done by shouting from one human to another, then through telephones and now the internet. With faster transactions more trades are occurring, and when market changes are occurring, investors can react as quicker than ever. Quicker reaction to new information will mean the markets are constantly changing faster than ever.
Depth and Availability of Information.

Due to the rise of the internet the availability of information allowing people to make an informed decision is easier than ever. Instead of relying on other people’s recommendations and analysis it is extremely easy to access company reports and see for yourself whether or not it would be a good investment. The information is now more in-depth as well, as technology is able to perform complicated algorithms to analyse company data to allow you to form a more educated opinion. Many companies provide real time data on the stock markets, allowing you to see completely up to date information and see the start of any potential trends allowing you to capitalise and take advantage of the changing market.

NEW YORK, NY – JUNE 21: ING Groep N.V. CEO Jan Hommen rings the opening bell at the New York Stock Exchange on June 21, 2012 in New York City. (Photo by Ben Hider/NYSE Euronext)

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Do You Need Taxi Insurance

 

Looking for the short answer? Yes! If you drive a taxi for a living, standard car insurance policies do not cover your needs. They will not protect your customers, your car – or you – in the event of an accident or incident. You need specialist coverage like taxi insurance to ensure that your livelihood is safeguarded.

Public or Private Taxi?

 The specific type of taxi insurance cover you need depends on the type of taxi you drive. It may be private (i.e. booked in advance) or public (i.e. those that can be hailed by people on the street and do not require pre-booking). You must have public taxi insurance if you pick up customers without booking – even if you typically only do private hire.

                                       

                                    What Level of Protection Do You Need?

 

Just like regular motor insurance, taxi cover has three levels:

Comprehensive: This is the most… well, comprehensive cover you can purchase. It covers accidental damage to a third-party property, and typically also personal injury, windscreen damage, personal possessions and more. So, for example, if you cause an accident, this will pay for the damage to the other vehicle as well as your car and any third property damaged (e.g. a wall, a fence, etc.).

Third Party, Fire and Theft: This insurance protects you against damage you cause other drivers, as well as damage caused by fire or theft. What it does not cover is the damages to your car in an accident.

 Third Party Only: The most basic cover, this only pays for damage to vehicles you damage in an accident, as well as passengers in your car who may have been hurt. As a taxi driver, you should carry a much higher level of protection.

Comprehensive is best in terms of protecting your income,  choose from key add-ons:

 

Unlimited Mileage: Depending on how much you drive, this can be worth it so you do not exceed your cover.

Public Liability: This should be included in your taxi insurance policy; it covers you if a passenger has an injury or damage to property while in your vehicle. It also covers claims that may result from those incidents.

Personal Use Cover: If you use your taxi as a personal vehicle on off days, invest in this protection.

 Taxi Insurance Criteria

 Depending on your insurance company, you may have to meet some or all of the following criteria:

 

  • Held a taxi badge for at least 1 year.
  • Held a driving license for at least 3 years.
  • Lived in the UK for at least five years.
  • Work as a full-time taxi driver.
  • Are 25 years of age or older (though some policies specify 21).
  • Passed Driving Vehicle Standards Agency taxi driving test (if applicable).

 

 

If you drive a taxi for a living, ask your insurance company about specific cover. It is required by law, and it is a smart business move. Protect your passengers, your vehicle and yourself.

 

 

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The Structure and Patterns of Horse Racing The Beginner’s Guide

 

 

 

Many people love to watch horse racing, and it is, of course, one of the ancient animal sporting events that still exists with the same enthusiasm. Whether you just love to watch horse races out of interest or being passionate about going place to watch racing, it is essential to understand the racing structure. Here, let’s explore the basic structure of this sport.

When you are down to it, there are four major categories of races to explore as:
  1. Maiden Races
  2. Claiming Races
  3. Allowance races
  4. Stakes races.

There are various other subsidiaries of these four classes too, but to serve the purpose of this article to provide some beginner information about horse racing patterns, let’s focus on these primary categories.

Maiden races are the favorite choice of many. It features a field of maiden horses which have never won a race previously. One among these is obviously going to taste its first victory in life, and then the maiden tag of that horse is broken. However, the horses never won need not be limited to only maiden races, but they can contest in other horse races too.

These races are also called the shopping races as all horses in the race may up for sale too. Anyone can claim the horse before the race.

If you have followed TVG Horse Racing, you should know that the prize money (usually called the purses in racing terminology) is higher than the other types of racing discussed before. The horses participating in it will be those that meet certain conditions of non-winning. There are specific codes to understand this. For example, NW3X is the code for those horses which haven’t won 3 races other than one maiden, starter, or claim.

Most of the racing fans are after this type of racing. The most popular races in this category are Belmont Stakes, Kentucky Derby, and Breeders’ Cup. All the top horses used to run in these races. The stakes are also high, in which the graded stakes races are the top options. Races are usually ranked as G1, G2, and G3, and G1 is the top grade. Stakes races do have feature horses participating from across the country and many times from other parts of the world too.

Apart from the types of the races, the horses are also categorized into various forms and knowing it will further enhance your knowledge and insight about races and help better understand the racing scenario, which we will discuss in the forthcoming articles.

Horse racing tourism is one of the most upcoming specialties in travel and tourism, which is explored by many. However, many people just want to watch races by being ignorant about the technical aspects of it and without knowledge about the rule of the games. However, it will be a fascinating affair if you know the rules of the races well and plan your trip accordingly if you want to explore the best races across the country or abroad.

 

Author Bio: Silvia Watson is a freelance content writer. She has written many good and informative articles on different categories such as technology, health, fashion, education, career, travel etc. She is a featured author at various authoritative blogs in the health and fitness industry and currently associated as a blogger with https://www.tvg.com/

 

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