FOREX: A HUGE FINANCIAL MARKET

the foreign exchange market, or forex market, is the most liquid market in the world. In this market, government, banks and some multinational companies trade currencies from several countries.

The process always involves two currencies: buying one currency while selling another. The opportunities of profit is then in all cases, whether the currency goes up or down. Let’s take an example: USD/EUR this is what we call a pair. The US dollar/Euro is the most volatile pair and then the most profitable one.

Suppose you are expecting a good US economy’s condition, then the US Dollar will increase, that is why you will go long in this pair, which means you will buy US dollar while selling EUR. When the USD goes up then you will go short, meaning that you will sell the Dollars that you already bought.

On the other had, if you expect a weak dollar, you may too profit from it. In this case, you will go short with this pair: selling USD and in the same time you are buying EUR. When the USD goes down it means the EUR is up, then you will sell the EUR you have.

The advantages of the forex market is that it is very liquid: any time you can buy or sell instantly. This market is also hard to manipulate because of the important amount of currencies traded. No country can manipulate the market for its profit.

HOME INSURANCE

home insurance, or property insurance, is an insurance contract which covers any loses occurred to someone’s house. This includes loses due of home content, the use of the house or accidents happening inside the house. That is why this type of insurance is called multiple line insurance because in one contract, you cover all the risks.

The premium paid to the insurance company depends on many factors: the house’s age, the use of the property (seasonal or primary house), the price of the house and the number of house owners.

Some types of risks are not covered, these are the “Act of God” events, like flood, earthquake or war. While fire insurance requires the installation of smoke detector.

Microeconomics: a branch of economics

Microeconomics is a branch of economics that analysis the behavior of households, individuals and firms. The aim of this analysis is to determine the prices of certain goods based on demand and supply.

Microeconomics science shows that as the demand increases without an increase in supply, prices will automatically grow. Let’s take an example: in period of droughts, there are less vegetables, and people are asking for them (high demand), but there agriculture is suffering from drought and there is not enough vegetables (less supply). This will make the price of vegetable rises a lot.

Conversely, when there is high supply and less demand, prices go down. This is the case of real estate market in these days of crisis. A lot of homes are offered by owners but people have not the intention to buy. This made the prices of homes sinking down to the lowest levels.

Microeconomics explains too the theory of monopoly, cost opportunities, economies of scale and many other topics.

TYPE OF INSURANCE CONTRACTS

Insurance is a contract by which,  a person, the insurer, covers the risks that another person, the insured, may encounter in exchange of an amount of money, the premium.

In other words, Insurance is a sort of risk management used to lower to the maximum the losses that could happen in case of an event.

there are many types of insurances, but we will talk only about the more important: car insurance, life insurance and health insurance.

Car Insurance: This is the most used insurance in the world. Anyone owning a car should subscribe a car insurance to cover the risks of driving a vehicle. This insurance covers medical expenses for the drivers and passengers in case of an accident, and also for victims of these accidents. This contract could cover too expenses in case of a law suit or if the car is stolen. the premium in this type of insurances is based on the driver condition (age, health condition, prior accidents) and the car condition.

Life insurance: Life insurance is contracted to make relatives of a person make some revenue when that person is dead. This revenue could be served to the family of a dead man either as a whole one time amount, or in a monthly basis. This type of coverage is contracted by persons who have little children with no one to work for them in case of a death. The premium in this case is based mainly on the person’s health condition and age.

Health insurance: It is mainly subscribed to cover health expenses in case of a disease. It covers the hospital costs, medicines and sometimes, it could even cover the salary for the period spent in the hospital. About the premium, it depends on what type of expenses that are covered and how many persons are protected by the contract.

Other types of insurance are used like home insurance, credit insurance, casualty insurance…

for more information, send an email to forex4free@gmail.com

MARKETING PLAN

A marketing plan is a document established by a company mostly when introducing a new product into the market.

This document is a road map that helps that helps the company to have a clear vision about the future of its product. The plan usually covers the coming 2 to 5 years.

The marketing plan contains many sections according to the size of the company and the nature of the product; but in most cases, it contains a detailed analysis of the targeted customers or market, the forecasted budget, a description of the product itself and the geographic area in which it will be sold. Other plans may contain a mathematical analysis to determine the best price (pricing strategy) and a SWOT analysis.

For more information, send an email to forex4free@gmail.com

Types of Taxes. free term paper

Taxes are means that a country uses to get resources and money. Any government chooses its own fiscal system based on many factors and variables, and each fiscal system is composed of many taxes depending on the government needs. So, we can find many taxes in any country, but there are three main type of taxes that are used in almost all fiscal systems: Income Tax, Corporate Tax and VAT (Value Added Tax).

Income tax: Its a tax which is applied on persons’ income: salary or if you have a professional income on which you did not choose to apply corporate income. In most cases, Income Tax is applied on a progressive basis and based on annual income, and always there is an exempted income with 0% tax (usually the minimum wage). The high Income Tax rate varies, according to countries, from 10% to 60%.

Corporate Tax: It is applied on Corporate profit. the tax is applied after deducting all the costs necessary to make that profit. This tax rate is usually a fixed percent (except is some countries where a progressive rate is applied). This rate rages from 10%  to 50% but the most widely used rate is 30% to 35% .

VAT: A tax which is paid by almost all the citizens of a country with the same rate whither they have a high or small income. this tax is included in the price of almost all the product you buy (except in some countries where the necessary products are exempted from VAT). When you buy a computer, the price you are paying is composed of two amounts: the real price of the computer determined by the seller and the VAT which is a percent of the price of the computer. The same thing is for all the other products from bred to your private jet. The rates are based on many things: the type of the product, the use of the product and the fiscal system of the state. It ranges from 5% to 25%.

For more information, send an email to forex4free@gmail.com

how to prepare a good business plan?

Any company, whatever its size, is required to prepare a business plan before starting any new project.

let’s say a car company is willing to introduce a new car into the market, it will not blindly get that product without prior study. here is the role of a business plan.

a business plan is a document in which the company forecasts all the events for the coming 5 years. it includes a forecast of financial plan, marketing plan, contingency plan and all whatever will affect the future of its product.

A good business plan will need good and updated information and statistiques, and sometimes it could need some market research and surveys.

for more information, send an email to forex4free@gmail.com

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