Some things in life are of course the privilege of health insurance can be one of them. Employers need to benefit their employees a type of program in their compensation package. The staff expects that he loves and the security, health insurance. Everything changes when a worker leaves the employer. Decisions should be taken in relation to insurance. No one can escape this process. An employee who soon discovers the cost of insurance remains much longer than expected, and they scramble to start alternatives. Are there alternatives? What can we do to reduce the cost?

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Global equity markets are going through a very hectic period at present and, on average, about ten per cent has been removed from some key markets during the last month. In this article I write about how a personal note, I try to record a series of different financial products which helps to spread risks, including those where we have stock market declines.

I started to save money on a regular basis about five years ago. At this point, the stock market in the United Kingdom had taken a dramatic drop after the terrorist attacks in New York. I wanted to build a kind of rainy day fund and decided to invest the monthly premiums in a mutual fund. I started to save £ 50 per month and over time I increased that figure.

I must say I was very lucky that my investment has done very well, I even over the last two years, cashed in some of the units to pay for our family vacation. Earlier this year, the stock market in the UK showed its highest level in five and a half.

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What type of policy is best for you, time or a lifetime? The answer depends on several factors, including:

At your needs. If you need coverage until your children graduate from university, for example, you might be better with a term life policy.

Cash-value insurance is better suited for long-term needs, such as inheritance tax planning and security for life for your spouse. Some long-term policies can be renewed after the age of 70 or 80 and can become costly to renew to the approach of this age.

Cost. If life insurance is best suited to your budget and you want to cover life, consider a term life policy that can be converted into a whole life policy. Then you can convert the policy whenever your cash flow or needs. You can also buy a combination of term life and whole life insurance and gradually shift into whole life insurance over time.

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An options strategy called covered call options is a prudent strategy to reduce risks and increase revenues for investing in stocks. In short, stock options are contracts you buy or sell the right to buy or sell. Although there are eight types of options contracts, we are interested here in low-risk “covered call.”

Here’s how it works: Say it’s August and you buy 300 shares of XYZ at a price of $ 48 per share. XYZ pays a quarterly dividend of 50 cents per share. Therefore, if the price never moves, you’ll earn 4.2% per year.

At the same time, you would participate in covered call options. To do this, you “write three Janvier 50 calls.” This means that you are selling (“writing”) the right for someone else to buy shares from you (they “call” it Away) between now and the third Friday of January to the price of $ 50. (all contracts expire the third Friday of each month.)

Each contract represents 100 shares, therefore, three contracts. Buyers will pay a fee (called “premium”) of $ 3.5 per share, or $ 1.050. (The premium is based on the amount of time until expiration, and the gap between current price and the exercise price, “in this case $ 50. Therefore, changes in premiums permanently. )

Assuming you have not canceled, only two things can happen: The contract will have exercised or it will expire worthless in January. Anyway, you keep $ 1,050. Clearly, this strategy can produce big rewards. Among the advantages are:

1. You are establishing a profitable selling price the day you buy the stock. If exercised, you are guaranteed a profit;

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