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Your dwelling is often your most precious asset that you need to protect. We created a list of all savings opportunities associated with Home insurance. This list is the most complete perspective on home insurance savings tips. Numerous insurance brokers contributed to this list. So, let’s start!1. Change your content coverage: Renting a Condo? You can often lower your content coverage. No need to insure your belongings to up to $250,000 if you only have a laptop and some IKEA furniture!2. Renovations: Renovating your house can result in lower home insurance premiums, as home insurance premiums for older, poorly maintained dwellings are usually higher. Additionally, renovating only parts of your dwelling (e.g. the roof) can lead to insurance savings.3. Pool: Adding a swimming pool to your house will likely lead to an increase in your insurance rates since your liability ( e.g. the risk of someone drowning) and the value of your house have increased.4. Pipes: Insurers prefer copper or plastic plumbing – maybe it is a good idea to upgrade your galvanized / lead pipes during your next renovation cycle.5. Shop around: Search, Compare, and switch insurance companies. There are many insurance providers and their price offerings for the same policies can be very different, therefore use multiple online tools and talk to several brokers since each will cover a limited number of insurance companies.6. Wiring: Some wiring types are more expensive or cheaper than others to insure. Make sure you have approved wiring types, and by all means avoid aluminum wirings which can be really expensive to insure. Not all insurers will cover houses with aluminum wirings, and those that would, will require a full electrical inspection of the house.7. Home Insurance deductibles: Like auto insurance, you can also choose higher home insurance deductibles to reduce your insurance premiums.8. Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.9. New Home: Check if insurer has a new home discount, some insurers will have them.10. Claims-free discount: Some companies recognize the fact that you have not submitted any claims and reward it with a claim-free discount.11. Mortgage-free home: When you complete paying down your house in full, some insurers will reward you with lower premiums.12. Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount.13. Seniors: Many companies offer special pricing to seniors.14. Annual vs. monthly payments: In comparison to monthly payments, annual payments save insurers administrative costs (e.g. sending bills) and therefore they reward you lower premiums.15. Annual review: Review your policies and coverage every year, since new discounts could apply to your new life situation if it has changed.16. Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers.17. Employee / Union members: Some companies offer discounts to union members ( e.g. IBM Canada or Research in Motion)18. Mortgage insurance: Getting mortgage insurance when you have enough coverage in Life insurance is not always necessary: mortgage insurance is another name for a Life/Critical Illness / Disability insurance associated with your home only but you pay extra for a convenience of getting insurance directly when lending the money. For example a Term Life policy large enough to pay off your home is usually cheaper.19. Drop earthquake protection: In many regions, earthquakes are not likely – you could decide not to take earthquake coverage which could lower your premiums. For example, in BC earthquake coverage can account for as much as one-third of a policy’s premium.20. Wood stove: Choosing to use a wood stove means higher premiums – Insurance companies often decide to inspect the houses with such installations before insuring them. A decision to get rid of it means a lower risk and thus lower insurance premiums.21. Heating: Insurers like forced-air gas furnaces or electric heat installations. If you have an oil-heated home, you might be paying more than your peers who have alternative heating sources.22. Bicycle: You are buying a new bicycle and thinking about getting extra protection in case it is stolen when you leave it on the street e.g. when doing your groceries? Your Home insurance might be covering it already.23. Stop smoking: Some insurers increase their premiums for the homes with smokers as there is an increased risk of fire.24. Clean claim history: Keep a clean claim record without placing small claims, sometimes it makes sense to simply repair a small damage rather than claim it: you should consider both aspects: your deductibles and potential raise in premiums.25. Rebuilding vs. market costs: Consider your rebuilding costs when choosing an insurance coverage, not the market price of your house (market price can be significantly higher than real rebuilding costs).26. Welcome discount: Some insurers offer a so called welcome discount.27. Avoid living in dangerous locations: Nature effects some locations more than others: avoid flood-, or earthquake-endangered areas when choosing a house.28. Neighbourhood: Moving to a more secure neighbourhood with lower criminal rate will often considered in your insurance premiums.29. Centrally-connected alarm: Installing an alarm connected to a central monitoring system will be recognized by some insurers in premiums.30. Monitoring: Having your residence / apartment / condo monitored 24 hour can mean an insurance discount. e.g. via a security guard.31. Hydrants and fire-station: Proximity to a water hydrant and/or fire-station can decrease your premiums as well.32. Loyalty: Staying with one insurer longer can sometimes result in a long-term policy holder discount.33. Water damages: Avoid buying a house which may have water damage or has a history of water damage; a check with the insurance company can help to find it out before you buy the house.34. Decrease liability risk: Use meaningful ways to reduce your liability risk (e.g. fencing off a pool) and it can result in your liability insurance premiums going down.35. Direct insurers: Have you always dealt with insurance brokers / agents? Getting a policy from a direct insurer (i.e. insurers working via call-center or online) often can be cheaper (but not always) since they do not pay an agent/broker commission for each policy sold.36. Plumbing insulation: Insulating your pipes will prevent them from freezing in winter and reduce or even avoid insurance claims.37. Dependent students: Dependent students living in their own apartment can be covered by their parents’ home insurance policy at no additional charge.38. Retirees: Those who are retired can often get an additional discount – since they spend more time at home than somebody who works during the day and thus can prevent accidents like a fire much easier.39. Leverage inflation: Many insurers increase your dwelling limit every year by considering the inflation of the house rebuilding costs. Make sure this adjustment is in line with reality and that you are not overpaying.40. Credit score: Most companies use your credit score when calculating home insurance premiums. Having a good credit score can help you to get lower insurance rates.41. Stability of residence: Some insurers may offer a stability of residence discount if you have lived at the same dwelling for a certain number of years.

One of the greatest challenges facing any international business today is being found on the Internet. The Internet has changed the fundamental means for how we conduct international business. It provides instant, real time answers to many of our daily commercial and personal questions. But now that you have a Website, can your site be found when one performs a search on Google, Yahoo, Live.com or AOL for your company’s product or service?Chances are that when another domestic or international business seeks to find your products or services, they will not find you. Most Webmasters deal only with design and layout. They are graphic artists who have learned a little bit of HTML. They copy and paste written copy into a table and upload. They are not expected to be professionals in the art of international Internet marketing nor should they be.The Internet is a big place. An expanding and creative digital universe which demands a variety of professionals in hardware, software, graphics, copy writing, international marketing, domain retailers, operations, finance, journalism, advertising and public relations. But where can we find that magician called an SEO or search engine optimization international marketing professional?We find an avalanche of companies advertising themselves using Google AdWords as SEO international Internet marketing and Web promotion professionals. But sad to say, over 80 percent of these companies know very little about SEO Internet marketing and much about how to take your hard earned money.In May of 2006 the Interactive Advertising Bureau (IAB) and PricewaterhouseCoopers (PwC) announced that Internet advertising revenues reached a new record of $3.9 billion for the first quarter of 2006. The 2006 first quarter revenues represent a 38 percent increase over Q1 2005 at $2.8 billion and a 6 percent increase over Q4 2005 total at $3.6 billion.Last year, AdWords alone generated $3.4 billion for Google.With the Internet being the place to secure market share, many charlatans and wannabe international Internet marketing professionals are surfacing – thieves who know little more than how to cash your check and disappear quickly.So how does one go about shopping for an honest and successful company which specializes in international marketing and public relations on the Internet?You must ask several questions. Problem is, most companies seeking international SEO Internet marketing support do not know the questions to ask. Leyden Communications (Israel) provides below a list of questions for every company from Tel Aviv, London, Washington and New York, to Paris, Japan, India and China to ask the SEO or international Internet marketing company before they sign a contract.First, if your target audience is New York, London, Manchester or Los Angeles, or any native English speaking market, be certain to hire a native from that country. One whose English is at mother tongue level and understands the marketing culture of your target market. If you do hire an Israeli, make certain that they have lived and worked in your target market locale for at least ten years.Second, you want to know what experience and for how many years they have worked with international marketing, conventional distribution channels, sales, marcom, viral marketing, production of brochures, advertising and public relations?Third, what professional experience do they have in copy writing, journalism and research?Fourth, what practical experience do they have in programming?And last but not least, how long have they been working on the Internet?An international Internet marketing professional must wear many hats to succeed. The Internet SEO must be an experienced international marketing or PR person – one who understands how to penetrate and motivate a market outside of Israel without the Internet. They need to understand the basics of international marketing, branding, distribution and sales channels in order for them to integrate the digital world with the classic print, broadcast media and sales markets. The SEO must be an accomplished, creative and professional writer who can write for both the reader and the search engine.This article is an example of how one writes for both the reader and the Google and Yahoo search engines. The English suffers a bit as the writer finds a fine balance between getting your attention and the eyes of the search engines. But what is more important? The search engine!For if your customers in the UK, France, Germany, Brazil, Japan and South Korea do not find your Website, then having a Website with the best of conventional copy writing will find itself lost in cyberspace.Can you find a Webmaster, Internet graphic design, Internet programmer, professional Internet marketing, international marketing guru and professional journalist and or copywriter all in one person?
Many in Israel will tell you yes. I say, you will be lucky to find a team with each one of these professionals in no more than perhaps three international Internet SEO marketing companies in Israel.What then would be the real acid test for securing a professional SEO – search engine optimization Web promotion marketing company in Israel, New York, London, Paris or Beijing?Simply perform a search on Google for “Israel Internet Marketing” or “Israel International Marketing.”
If the SEO company you are talking to in Israel is not listed in the top ten, you must ask yourself one question: “How can they rank you, without the continued use of an expensive Google AdWords campaign, in a top ten position?”Google AdWords are a very powerful advertising tool used by SEO international Internet marketing companies in Israel, but they are not a substitute for having your commercial Website stand on its own digital legs. AdWords are not a substitute for getting out optimized news stories on Google News and PR news releases in to the many corners of the Net. AdWords do not substitute for creating blogs, professional rooms and forums in Google and Yahoo and the creation of videos for YouTube.Can a native born SEO in Israel find, let alone professionally write the English, French, Spanish or China copy and news you need for your Website and for international blogs and news releases?
Are they fluent in a variety of Israel export and import markets relating to hi tech, food, defense technology, agriculture, biotech, security, real estate, chemicals, metals, gaming, politics, crisis communications, education, plastics, music, shopping, telecommunications, sales, stocks, manpower, diamonds, Judaica, office products, food, beverages, tourism, games, textiles, dating, health, sports, news, videos, clothes, hotels, airlines and rental cars?Allow the native Israel SEO to market your products and services to domestic markets and sales cultures that they know best – Tel Aviv, Ra’anana, Ashdod, Herzlia, Afula, Haifa, Jerusalem, Kiryat Shomona and Eilat.Never look at office size as a measure of success. What you are paying for is knowledge and talent. Many SEO professionals and their complimentary staff of copy writers and programmers may work from a home office in Israel. Again, judge their international Internet marketing success by the ranking of their clients and their own personal search engine optimization ranking on Google and Yahoo.Never pay a maintenance fee. International Internet marketing SEO professionals are not servicing a car or cleaning a house. What you do want to invest in is more Web pages created by their Webmaster and more news stories and or news releases created by their PR firm to be placed on Google News.Never pay all that they ask for up front. Unless you know the company a good policy is paying half before the work begins and the balance once the work is completed. It takes about three weeks to begin seeing the results of SEO or search engine optimization. Although with some Israel SEO, you can see rankings improve within a matter of days by using Alexa.com. In using Alexa.com, it is a tool that you can use, one that cannot be played with by the SEO or SEM company.Lastly, if the SEO international Internet marketing company promises you a first place ranking, you will then know that they are bogus. No SEO or SEM can promise you something for which only Google, Yahoo, MSN and AOL control. They can promise you a higher ranking and depending on the link density of your industry maybe even a top ten position.Remember that the top ten search engine position that we are talking about would not be a paid Google AdWords sponsored link. It is your Web site, your Web pages standing on their own two feet that counts. Also having an optimized news story about your company’s products and services in a top ten position would equal your Website being in a high SEO ranking. In fact, as long as the SEO news / public relations story is in a high position, it reinforces your credibility as it serves as third party endorsement. It is far more potent than your Website ranking, as long as the story has a link to your Website.Your first stop in hiring an international Internet marketing company in Israel is a Google search.
Your second stop is to meet the SEO and SEM – search engine marketing team. If you don’t see a native English speaking, experienced international marketing professional who understands terminology such as POP, embassy commercial attache department, Israel Export Institute, packaging, four color bleed and what an optimized SEO news headline on the Internet looks like – keep walking.

Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC).

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While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&P 500 medical giants Vertex and Cardinal Health have been holding up, as health-care related plays tend to do well in down markets.

Steel Dynamics and Genuine Parts are both coming off strong earnings as both the steel and auto parts industries report optimistic outlooks. Meanwhile, Cheniere Energy saw sales boom in the second quarter as demand in Europe for natural gas continues to grow.

Major indexes have been making rally attempts with the Dow Jones and S&P 500 testing weekly support on Friday. With market uncertainty, investors should be ready for follow-through day breakouts and keep an eye on these stocks.

Cheniere Energy, Cardinal Health and VRTX stock are all on IBD Leaderboard.

Cheniere Energy Stock
LNG shares rose 1.1% to 175.79 during Friday’s market trading. On the week, the stock advanced 3.1%, not from highs, bouncing from its 21-day and 10-week lines earlier in the week.

Cheniere Energy has been consolidating since mid-September, but needs another week to forge a proper base, with a potential 182.72 buy point formed on Aug. 10.

Houston-based Cheniere Energy was IBD Stock Of The Day on Thursday, as the largest U.S. producer of liquefied natural gas eyes strong demand in Europe.

Even though natural gas prices are plunging in the U.S. and Europe, investors still see strong LNG demand for Cheniere and others.

The U.K. government confirmed last week that it is in talks for an LNG purchase agreement with a number of companies, including Cheniere.

In the first half of 2021, less than 40% of Cheniere’s cargoes of LNG landed in Europe. That jumped to more than 70% through this year’s second quarter, even as the company ramped up new export capacity. The urgency of Europe’s natural gas shortage only intensified last month. That is when an explosion disabled the Nord Stream 1 pipeline from Russia that had once supplied 40% of the European Union’s natural gas.

In Q2, sales increased 165% to $8 billion and LNG earned $2.90 per share, up from a net loss of $1.30 per share in Q2 2021. The company will report Q3 earnings Nov. 3, with investors seeing booming profits for the next few quarters.

Cheniere Energy has a Composite Rating of 84. It has a 98 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share price movement with a 1 to 99 score. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 41.

Vertex Stock
VRTX stock jumped 3.4% to 300 on Friday, rebounding from a test of its 50-day moving average. Shares climbed 2.2% for the week. Vertex stock has formed a tight flat base with an official buy point of 306.05, according to MarketSmith analysis.

The stock has remained consistent over recent weeks, while the relative strength line has trended higher. The RS line tracks a stock’s performance vs. the S&P 500 index.

Vertex Q3 earnings are on due Oct. 27. Analysts see EPS edging up 1% to $3.61 per share with sales increasing 16% to $2.2 billion, according to FactSet.

The Boston-based global biotech company dominates the cystic fibrosis treatment market. Vertex also has other products in late-stage clinical development that target sickle cell disease, Type 1 diabetes and certain genetically caused kidney diseases. That includes a gene-editing partnership with Crispr Therapeutics (CRSP).

In early August, Vertex reported better-than-expected second-quarter results and raised full-year sales targets.

S&P 500 stock Vertex ranks second in the Medical-Biomed/Biotech industry group. VRTX has a 99 Composite Rating. Its Relative Strength Rating is 94 and its EPS Rating is 99.

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Cardinal Health Stock
CAH stock advanced 3.2% to 73.03 Friday, clearing a 71.22 buy point from a shallow cup-with-handle base and hitting a record high. But volume was light on the breakout. CAH stock leapt 7.3% for the week.

Cardinal Health stock’s relative strength line has also been trending up for months.

The cup-with-handle base is part of a base-on-base pattern, forming just above a cup base cleared on Aug. 11.

Cardinal Health, based in Dublin, Ohio, offers a wide assortment of health care services and medical supplies to hospitals, labs, pharmacies and long-term care facilities. The company reports that it serves around 90% of hospitals and 60,000 pharmacies in the U.S.

S&P 500 stock Cardinal Health will report Q1 2023 earnings on Nov. 4. Analysts forecast earnings falling 26% to 96 cents per share. Sales are expected to increase 10% to $48.3 billion, according to FactSet.

Cardinal Health stock ranks first in the Medical-Wholesale Drug/Supplies industry group, ahead of McKesson (MCK), which is also showing positive action. CAH stock has a 94 Composite Rating out of 99. It has a 97 Relative Strength Rating and an EPS rating of 73.

Steel Dynamics Stock
STLD shares shot up 8.5% to 92.92 on Friday and soared 19% on the week, coming off a Steel Dynamics earnings beat Wednesday night.

Shares blasted above an 88.72 consolidation buy point Friday after clearing a trendline Thursday. STLD stock is 17% above its 50-day line, definitely extended from that key average.

Steel Dynamics’ latest consolidation could be seen as part of a larger base going back six months.

Steel Dynamics topped Q3 earnings views with EPS rising 10% to $5.46 while revenue grew 11% to $5.65 billion. The steel producer’s outlook is optimistic despite weaker flat rolled steel pricing. STLD reports its order activity and backlogs remain solid.

The Fort Wayne, Indiana-based company is among the largest producers of carbon steel products in the U.S. It engages in metal recycling operations along with steel fabrication and produces myriad steel products.

How Millett Grew Steel Dynamics From A Three Employee Business

STLD stock ranks first in the Steel-Producers industry group. STLD stock has a 96 Composite Rating out of 99. It has a 90 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share-price movement that tops at 99. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 98.

Genuine Parts Stock
GPC stock gained 2.8% to 162.35 Friday after the company topped earnings views with its Q3 results on Thursday. For the week GPC advanced 5.1% as the stock held its 50-day line and is in a flat base.

GPC has an official 165.09 flat-base buy point after a three-week rally, according to MarketSmith analysis.

The relative strength line for Genuine Parts stock has rallied sharply to highs over the past several months.

On Thursday, the Atlanta-based auto parts company raised its full-year guidance on growth across its automotive and industrial sales.

Genuine Parts earnings per share advanced 19% to $2.23 and revenue grew 18% to $5.675 billion in Q3. GPC’s full-year guidance is now calling for EPS of $8.05-$8.15, up from $7.80-$7.95. The company now forecasts revenue growth of 15%-16%, up from the earlier 12%-14%.

During the Covid pandemic, supply chain constraints caused a major upheaval in the auto industry, sending prices for new and used cars to record levels. This has made consumers more likely to hang on to their existing vehicles for longer, driving mileage higher and boosting demand for auto replacement parts.

Fellow auto stocks O’Reilly Auto Parts (ORLY) and AutoZone (AZO) have also rallied near buy points amid the struggling market. O’Reilly reports on Oct. 26.

IBD ranks Genuine Parts first in the Retail/Wholesale-Auto Parts industry group. GPC stock has a 96 Composite Rating. Its Relative Strength Rating is 94 and it has an EPS Rating of 89.