Wednesday, 4 January 2017

Lelaki Mana Yang Tahan Kalau Digoda Hari-Hari-Nasir


Freeway Insurance has been around for decades and offers insurance policies only in specific states. Gap coverage is part of the comprehensive plan of its policies and is optional.
Established in 1987, Freeway is a privately-owned company that boasts about the size of the brokerage. Aside from auto insurance and gap insurance, it offers a variety of different plans that contain specific discounts that are not available with other providers. To help select a plan, the company offers English- and Spanish-speaking representatives. It is not available all over the United States. To get any insurance with this company, you must live in one of the following states: Arizona, California, Illinois, Nevada, New York or Texas.
The coverage provided for your vehicle is primarily determined on location. It must be located in one of the states specified above to qualify. Also, the vehicle has to be financed under a loan or lease to qualify. Those who own their vehicles do not qualify for Freeway's gap coverage. Freeway also offers insurance for homeowners, businesses, renters, motorcycles, life, health, landlords, AD&D, watercraft and commercial vehicles. When you combine policies, you become eligible for several discounts for keeping your coverage with the same insurance provider.
The actual gap insurance over that vehicle is typically the difference between what is owed and the cash value of the vehicle. Freeway calculates the total payout using a specific formula. The policy uses the difference between the amounts paid to the financial institution and the balance that is still owed on the vehicle. This coverage is not used during any accident. To use your insurance, your vehicle must be totaled and declared a total loss. If it is stolen, the insurance company must declare it a loss to pay out the money you qualify for. Without gap insurance, you may only receive the actual cash value instead of the money you paid out of your pocket. With it, you lose much less of your investment and can use that money toward a new vehicle that is the same or different from the one you picked. This company does not restrict it to a specific percentage, but you must get a quote from the provider to get specific details about your plan.
Freeway Insurance is limited in the total payout for gap insurance and is one of the younger insurance companies available. However, it does offer a variety of other coverage policies to combine with your gap policy. To get a full quote and complete policy details, you must enter your personal information on the company's site.

Nama aku Fatin. Aku nak cerita pengalaman aku amik lesen memandu. Oleh kerana aku terlalu yakin aku gagal test 1 dan ke 2. Ketika test ke 3, kebetulan abg JPJ tu putih hensem. Pastu romantik gila. Masa drive aku pegang la gear tp mcm pelik la gear aku tolak2 tak ke depan, pastu bila aku tengok rupa-rupanya.................. Malu weh.


Farmers Insurance offers gap insurance, called residual debt coverage, to provide additional protection to new and leased cars. New cars depreciate quickly, and many car owners find they owe more money on their vehicle than the market value. This additional coverage will protect you in the event your car is totaled or stolen and declared a total loss.
How does gap insurance work? If your car is totaled or stolen, residual debt coverage covers the difference between the value of your car and the amount you owe on your lease or loan. Auto policies without this additional coverage will only pay you the market value of your car. Since new cars depreciate quickly, you can end up owing money on your car loan even after the insurance claim is paid.
Gap insurance is an optional policy that you can add to your auto theft and collision coverage. Although any vehicle can qualify for residual debt coverage, drivers who made a down payment of less than 20 percent, lease a vehicle or have financed the vehicle for more than 72 months will benefit the most from this coverage. You can also benefit if you have rolled negative equity from a trade-in into your new car loan, or if you drive a vehicle that depreciates faster than typical vehicles, such as a luxury or sports car.
Farmers Insurance is one of the largest American insurance companies. It serves more than 10 million households across the United States and has over 50,000 agents. It offers a broad range of insurance and financial services products, including home, renters, auto, life, motorcycle and pet health. You can contact any of its numerous agents for additional information about its policies and for gap insurance quotes.
This insurance company also offers other auto coverage options that drivers appreciate, including accident forgiveness; no fault, no foul, small claim forgiveness; and incident forgiveness. With these additional coverages, your insurance rate remains unchanged if you are in an accident and it isn't your fault, if you are in a small fender bender (even if it is your fault), or if you get a speeding ticket but don't file a claim.
Farmers Insurance is a large insurance company that offers optional gap insurance for your car in addition to your auto policy. This additional coverage is a good choice for drivers who owe more than the market value of their vehicle on a lease or loan. Drivers who have older cars or who owe less than the car's value on a lease or loan may not benefit from this coverage.

Awas!! Tanda Bintik Di Bahagian Celahan Dada Ini Sebenarnya Pembunuh Secara Senyap - Tolong Sebarkan


Esurance has been around for several decades and offers a variety of other insurance policies. Gap insurance is part of its comprehensive coverage in the company's auto policies.
Esurance was established back in 1999, making it one of the younger auto insurance providers available in the United States. It is a subsidiary of Allstate and offers information on other companies on its website, along with its own rates. As one of the earliest companies to offer auto and gap insurance information online; it also was one of the first to give consumers information about those other companies to help make a fully informed choice, even if the best quote is not with Esurance.
In addition to establishing online quotes, Esurance also became the first auto insurance company to recognize same-sex partnerships and to give discounts for this demographic as well. This company offers a variety of other insurance coverages, including insurance policies for motorcycles, ATVs, boats, PWCs, RVs, homeowners, renters, floods, health, life, pets, cell phones and businesses.
The actual gap insurance over your vehicle is the difference between what is owed and the cash value of the vehicle. Esurance uses a specific formula to calculate how much is actually paid out. The policy uses the difference between the amounts paid to the financial institution and balances that are against the amount that is still owed on the vehicle. Then, Esurance pays that difference, but only up to 25 percent of the total worth of your car.
This coverage is not used during a regular accident. In order to use your gap policy, your vehicle must be totaled and declared a total loss. If it is stolen, the insurance company must declare it a loss in order to pay out the money you qualify for. Without this insurance, you may only receive the actual cash value, instead of the money you paid out of your pocket. With it, you lose much less of your investment and can use that money toward a new vehicle that is the same or different from the one you picked. You must get a quote from the provider to get specific details about your plan.
Esurance is an innovator in the way it offers information about its coverage and the coverage of other providers. Also, it offers a variety of other plans that you can bundle with your gap insurance.

Tuesday, 3 January 2017

RINTIHAN FATAH AMIN DALAM LAGU KHAS UTK NEELOFA-Lagu Terbaru Fattah Amin Untuk Neelofa Ini Buat Netizen Sebak

No 1 Di iTunes Malaysia, Lagu Terbaru Fattah Amin Untuk Neelofa Ini Buat Netizen Sebak

January 4th, 2017 | by Wan | 0 comments

Selepas kejayaan drama Suri Hati Mr Pilot, nama dua pelakon ini terus menjadi bualan netizen. Lebih manis Fattah Amin dan Neelofa dikatakan bercinta namun seperti yang dilaporkan media sebelum ini hubungan mereka didakwa mulai retak.
Fattah Amin bagaimanapun tampil dengan lagu baru berjudul ‘Wanita Terakhir’ yang dikatakan dibuat dan ditujukan buat ‘si dia’ iaitu Neelofa. Boleh tahan best juga, korang dah dengar belum? Power tak power siap trending!

Trending selepas dilancarkan

Baru je beberapa hari dilancarkan, lagu Fattah ini terus mendapat tempat di hati peminat. Siap trending dan di kedudukan pertama carta iTunes Malaysia.
Sementara itu rata-rata peminat memuji lagu ini dan menyifatkan ianya sebagai luahan isi hati Fattah terhadap Neelofa. Korang dengar lah sendiri, macam suara Irwansyah pun ada.

Lagu untuk si dia

Video live Fattah sebak bercakap tentang ‘si dia’

Sumber :  Fattah Amin 


Sunday, 4 September 2016

Capital market

Capital market

From Wikipedia, the free encyclopedia
The trading floor of the New York Stock Exchange, one of the largest secondary capital markets in the world. As of 2013, most of the NYSE's trades are executed electronically, but its hybrid structure allows some trading to be done face to face on the floor.
Capital markets are financial markets for the buying and selling of long-term debt or equity-backed securities. These markets channel the wealth of savers to those who can put it to long-term productive use, such as companies/ governments making long-term investments.[a] Capital markets are defined as markets in which money is provided for periods longer than a year.[1] Financial regulators, such as the UK's Bank of England (BoE) or the U.S. Securities and Exchange Commission (SEC), oversee the capital markets in their jurisdictions to protect investors against fraud, among other duties.
Modern capital markets are almost invariably hosted on computer-based electronic trading systems; most can be accessed only by entities within the financial sector or the treasury departments of governments and corporations, but some can be accessed directly by the public.[b] There are many thousands of such systems, most serving only small parts of the overall capital markets. Entities hosting the systems include stock exchanges, investment banks, and government departments. Physically the systems are hosted all over the world, though they tend to be concentrated in financial centres like London, New York, and Hong Kong.
A key division within the capital markets is between the primary markets and secondary markets. In primary markets, new stock or bond issues are sold to investors, often via a mechanism known as underwriting. The main entities seeking to raise long-term funds on the primary capital markets are governments (which may be municipal, local or national) and business enterprises (companies). Governments issue only bonds, whereas companies often issue either equity or bonds. The main entities purchasing the bonds or stock include pension fundshedge fundssovereign wealth funds, and less commonly wealthy individuals and investment banks trading on their own behalf. In the secondary markets, existing securities are sold and bought among investors or traders, usually on an exchange,over-the-counter, or elsewhere. The existence of secondary markets increases the willingness of investors in primary markets, as they know they are likely to be able to swiftly cash out their investments if the need arises.[2]
A second important division falls between the stock markets (for equity securities, also known as shares, where investors acquire ownership of companies) and the bond markets(where investors become creditors).[2]

The money markets are used for the raising of short term finance, sometimes for loans that are expected to be paid back as early as overnight. Whereas the capital markets are used for the raising of long term finance, such as the purchase of shares, or for loans that are not expected to be fully paid back for at least a year.[1]
Funds borrowed from the money markets are typically used for general operating expenses, to cover brief periods of liquidity. For example, a company may have inbound payments from customers that have not yet cleared, but may wish to immediately pay out cash for its payroll. When a company borrows from the primary capital markets, often the purpose is to invest in additional physical capital goods, which will be used to help increase its income. It can take many months or years before the investment generates sufficient return to pay back its cost, and hence the finance is long term.[2]
Together, money markets and capital markets form the financial markets as the term is narrowly understood.[c] The capital market is concerned with long term finance. In the widest sense, it consists of a series of channels through which the savings of the community are made available for industrial and commercial enterprises and public authorities.
Regular bank lending is not usually classed as a capital market transaction, even when loans are extended for a period longer than a year. A key difference is that with a regular bank loan, the lending is not securitised (i.e., it doesn't take the form of resalable security like a share or bond that can be traded on the markets). A second difference is that lending from banks and similar institutions is more heavily regulated than capital market lending. A third difference is that bank depositors and shareholders tend to be more risk averse than capital market investors. The previous three differences all act to limit institutional lending as a source of finance. Two additional differences, this time favoring lending by banks, are that banks are more accessible for small and medium companies, and that they have the ability to create money as they lend. In the 20th century, most company finance apart from share issues was raised by bank loans. But since about 1980 there has been an ongoing trend for disintermediation, where large and credit worthy companies have found they effectively have to pay out less in interest if they borrow direct from capital markets rather than banks. The tendency for companies to borrow from capital markets instead of banks has been especially strong in the US. According to Lena Komileva writing for The Financial Times, Capital Markets overtook bank lending as the leading source of long term finance in 2009 – this reflects the additional risk aversion and regulation of banks following the 2008 financial crisis.[3]