Online Auto Insurance Quotes The Good, the Bad and the Ugly
January 31, 2008
Chosing the right auto insurance these days can be pretty tough. After all, we have so many different options available to us. All of them claim to have the best plans or coverage, but in general, like most other things it all comes down to price.
One reason, why choosing the right insurance is so important, is because people simply can’t afford to pay the extra money. With the cost of gas and electricity rising, it is getting much harder to cover all of the expenses, and some things unfortunately have to be cut from the budget.
Getting a reliable online auto insurance quote, might be a little tricky, due to the many different options available to you. One of the things you want to keep in mind when searching for an online quote, is that you will have to give up some personal information about yourself before you can reciveve your quote. Now when dealing with the big insurance companies such as Allstate or GEICO,things are prety safe. However what about getting quotes from other insurance websites?
When searching for an auto insurance quote you will probably run into three types of websites. The first ones being the big well known insurance companies like GEICO, Allstate etc. These are the companies that you’ve heard of and have a reputation to maintain. However, if you just stick with these you will be limiting you options, and your information.
The second kind of sites that you will run accross in your search , are those that claim to keep a database of auto insurance quotes, or can get you quotes for all of the top insurance companies. They may also have a few helpful articles that will give you additional information.
And finally the third kind of sites, are those that are fakes and are set up to capture your personal info. These are the ones that you want to watch out for. It’s always a good idea to check to see how many years a website has been going and exactly who endorses the web site. Generally, information like this is found on the home page of the website. And more important info can be found on the about section of a site. It never hurts to do a little research on who’s providing the information. You probably won’t have to worry about these kinds of sites, but they do exsist.
Having a good auto insurance plan is a good thing, however in my opinon the system really hurts good drivers. Because they pay a large amount of money every year to a company that is doing nothing for them in return.
That’s why it is so important to get the cheapest rate available. In recent years it has been made a lot eaiser for consumers to find the best rates through the use of free online quotes. So take advantage and find the right auto insurance for you.
Herbert Redd is a writer for http://onlineautoinsurancequote.5star-ratings.com/, if you’re looking for more auto insurance information, then checkout our growing online auto insurance quote resource page. It is full of helpful information and many links to other auto insurance resources.
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Mom And Pop Shops In Texas Encounter Hurdles When Buying Health Insurance
January 29, 2008
The results of an April 2004 Commonwealth Fund white paper* show that the economics of small business group insurance makes offering health benefits to employees is risky. The current lack of health insurance for individuals in Texas, as well as the rest of the country, is closely associated with the inadequacies of the small employer market. Of the approximately 44 million individual Americans without health insurance, over 80 percent come from working families. Nearly 50 percent of uninsured workers are either self-employed or work for firms with fewer than 25 employees.
Small and Large Companies Benefits and Premiums
Surveys of employers from 1989 to 2003 reveal that more rapid premium increases are forcing small firms to impose higher cost sharing. In 2003, premiums for small firms (3,199 workers) increased 15.5 percent, outpacing the 13.2 percent increase for large firms (200+ workers). From 2000 to 2003, deductibles among small firms increased 100 percent in PPO plans when employees use in-network providers and 131 percent when they use out-of-network providers. For large firms, deductibles in PPO plans increased 33 percent and 44 percent, respectively. Also in 2003, 40.3 percent of employees in the smallest firms contributed 41 percent or more of the total family premium, compared with only 11.2 percent of employees in large firms.
Share of Premium Contribution
In addition to paying higher deductibles, employees in small firms contribute a greater share of the premiums. In 2003, 40.3 percent of employees in the smallest firms contributed 41 percent or more of the total compared with only 11.2 percent of employees in large firms. Among all small firms, 38.2 percent of employees contributed 41 percent or more of the family premium. For single coverage, 7.6 percent of employees in the smallest firms contributed 41 percent or more of the premium, compared with 3 percent of employees in the largest firms. However, employees of the smallest companies were more likely to contribute none of the premium (61.6% vs. 14.0%).
This increased cost sharing, especially of family plans, in small firms is consistent with the finding that small employers get less value for their premium dollar than large employers.
Small Equals Less, Plus More Risk
Small employers not only get less value than large employers when they provide health benefits, but they face greater financial risk in doing so. Lower value is a natural consequence of small size and the failure to join together in pooled purchasing groups with a long-term commitment to shared risk.
In any given year, premium increases, the cost of single coverage, and employee contributions vary more from firm to firm for small than large firms. Small firms lack purchasing power in the insurance market and unlike larger companies, are unable to reduce insurance costs by bearing the risk themselves and self-insuring.
This means a fundamental change in the small employer market is necessary. This change requires new options for helping small firms gain access to the advantages larger firms have in purchasing health benefits. Burdened with inherently higher administrative costs, having fewer lives over which to spread the risk of catastrophic costs, and lacking the purchasing power of large firms to negotiate with insurers, small employers are doomed under current practices to separate but unequal status.
What nobody knows is how many individuals decide not to start a business because of the greater risk in the small employer market when purchasing health insurance. Yet if small employers are the principal source of innovation, as well as economic and job growth in the American economy, then this greater risk costs, not only small employers and their workers, but the overall American economy.
Pat Carpenter writes for Precedent Insurance Company. Precedent puts a new spin on health insurance. Learn more at Precedent.com
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Online Auto Insurance Quotes The Good, the Bad and the Ugly
January 26, 2008
Chosing the right auto insurance these days can be pretty tough. After all, we have so many different options available to us. All of them claim to have the best plans or coverage, but in general, like most other things it all comes down to price.
One reason, why choosing the right insurance is so important, is because people simply can’t afford to pay the extra money. With the cost of gas and electricity rising, it is getting much harder to cover all of the expenses, and some things unfortunately have to be cut from the budget.
Getting a reliable online auto insurance quote, might be a little tricky, due to the many different options available to you. One of the things you want to keep in mind when searching for an online quote, is that you will have to give up some personal information about yourself before you can reciveve your quote. Now when dealing with the big insurance companies such as Allstate or GEICO,things are prety safe. However what about getting quotes from other insurance websites?
When searching for an auto insurance quote you will probably run into three types of websites. The first ones being the big well known insurance companies like GEICO, Allstate etc. These are the companies that you’ve heard of and have a reputation to maintain. However, if you just stick with these you will be limiting you options, and your information.
The second kind of sites that you will run accross in your search , are those that claim to keep a database of auto insurance quotes, or can get you quotes for all of the top insurance companies. They may also have a few helpful articles that will give you additional information.
And finally the third kind of sites, are those that are fakes and are set up to capture your personal info. These are the ones that you want to watch out for. It’s always a good idea to check to see how many years a website has been going and exactly who endorses the web site. Generally, information like this is found on the home page of the website. And more important info can be found on the about section of a site. It never hurts to do a little research on who’s providing the information. You probably won’t have to worry about these kinds of sites, but they do exsist.
Having a good auto insurance plan is a good thing, however in my opinon the system really hurts good drivers. Because they pay a large amount of money every year to a company that is doing nothing for them in return.
That’s why it is so important to get the cheapest rate available. In recent years it has been made a lot eaiser for consumers to find the best rates through the use of free online quotes. So take advantage and find the right auto insurance for you.
Herbert Redd is a writer for http://onlineautoinsurancequote.5star-ratings.com/, if you’re looking for more auto insurance information, then checkout our growing online auto insurance quote resource page. It is full of helpful information and many links to other auto insurance resources.
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Unclaimed Money Throughout History
January 23, 2008
Over the years, the issue of unclaimed money has been debated again and again. Who does this money belong to? To get a better understanding of the matter, let us understand what exactly is unclaimed money. If a person dyes or vanishes without relatives to claim his or her money and property, then all his possessions are said to be in the unclaimed category.
So does it really happen? Yes. Today many African countries are torn apart by strife. People who were happy and smiling one day vanish the next. All their money remains unclaimed in European or American banks.
Let me quote a classic example of unclaimed money in history. After the devastating Second World War, the Jewish holocaust victims never returned to claim their funds from Swiss banks. All this money by law reverted to the nation and went into the government. All the former soviet allies in the east European region having communist governments also followed the same principals and appropriated the funds for their use.
Almost sixty years later, the Jews demanded this money from the Swiss. They declared that the government had to pay a certain amount as compensation for the funds taken. In reply to this, the Swiss had to pay over a billion dollars to the Jewish people. Today, the Jews have forced many countries to pay back all the money they had taken. Are they right to demand those funds?
There are critics who do not agree with the Jewish people. As I said earlier, unclaimed money are those funds that have not been claimed by any relatives after a person’s death. So what rights do the Jews have to claim money in the name of people dead long time back without any relatives? If communities can make such claims, then all our community members are our relatives and any property we leave on dying without relations and proper setup through a will should revert to the community or society. Meaning which I mean the countries where the communities reside.
However courts in many countries have a law that if a property belongs to somebody then anything and everything on that particular sight belongs to that individual. If this is the case, then the unclaimed funds should rightfully belong to the countries they were invested in. If we follow this principal, then the Jews are making unfounded claims on money they never owned nor earned as individuals.
Do we have an answer? Well, the debate still rages. The Swiss banks paid up the money to the Jews. This proves to some extent that people believe in money for the community. Or was it sympathy? May be they did not want to look hard hearted in front of others.
S. Stammberger is the editor of Unclaimed Money Kit. Instantly find out if there is unclaimed money waiting for you.
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Forex Candlestick Chart Patterns
January 21, 2008
Once the basics of the Forex candlestick charts have been mastered, the Forex trader will find out that there is a great deal that can be learned from a candlestick chart that has been well put together.
With the rectangle that indicates the opening and closing prices (also known as the the “candle”) and the wicks that represent the highs and lows, a trader can find out a great deal about the foreign exchange market and make wise trading decisions.
The color of the rectangle representing the candle can also provide a great deal of information.
If the currency price in question goes up, the body is white, with the opening price at the bottom and the closing price at the top. If however, the body of the candle is black, this indicates that currency price went down and the closing price is found at the bottom and the opening price at the top.
As long as the vertical axis of the candlestick chart is in proportion, a trader can tell a lot about the Forex market at a glance!
When the coloring and size of the candle and the height of the wicks are understood, a Forex trader will be better able to read the charts quite quickly.
Within the color and the length of the wick is a lot of information that is presented. With a little bit of practice, a trader will be able to tell quite a bit about the selected time frame of the Forex market with a single look at one of these highly useful charts.
When the lower wick is at least the size of the body, this signals a bullish market, where investor confidence is high. This condition is called a long lower shadow.
Conversely, a long upper shadow occurs when the upper wick is at least as long as the body of the candle, and signals a bearish market. The longer the wicks are in their respective positions, the greater the sentiment expressed.
When a hammer configuration is observed, which is a candle with only one wick, this is also significant.
With a long lower wick and a small candle, this indicates a bullish market. An inverted hammer, with no lower wick and a tall upper wick, signals a bearish market.
It is important that the trader remember to take into account the color of the body of the candle as well, for the most accurate reading.
With its Japanese roots, the Forex candlestick chart system will have several names in Japanese. For instance, Marubozu white, when there is no wick at all the body is white, indicates a dominant bullish trade, while Marubozu black indicates dominant bearish trades.
When the trader has learned to read the Forex candlestick charts accurately, he will be able to get good, comparative information in a glance. Once a little experience at reading these charts has been gained, it becomes quite easy to effectively use them in a trading plan.
Dave Hikade began trading over 10 years ago and provides a FREE Forex Trading Newsletter: http://www.forex-trader-basics.info More information on Forex Candlestick Charts may be found here: http://dachsales.com/rec/candlesticks
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Home Grants And What You Need To Know About Them
January 19, 2008
Do you need cash to build or improve your home?
You’re probably thinking of mortgage, but, what if you can’t afford a mortgage? With all those monthly payments, and interest rates, it’s fairly hard to understand and even very hard to apply for one. Mortgage can be very risky even if it has low interest rate. You also need to meet a deadline to pay the mortgage to avoid penalty fees and also avoid the property to be foreclosed by the financial institution you applied for.
One such way to own a home without investing money is through home grants. There are private organizations that funds housing grants and there are also government sectors that have home grants. Government home grants usually have low interest and sometime no interest loans that can help you if you have financial problems.
Some grants are free for qualified individuals. If you are qualified for a free grant, you will never have to pay it back. It can usually be available for Native American Indians, family members of veterans, for veterans, low income families, first time home buyers, researchers, the disables, homeless people, teachers and more.
If you are a member of one of these groups then you are eligible for a housing grant from the government.
If you are a member of the military, the government will usually provide you with free housing grant as part of your benefit. It is very convenient for you and your family because you will be having housing funds provided by the government. And, the good thing about this is that it’s free. This means that you’ll never have to repay the government for the housing grant they provided you.
You can also qualify if you are a family member of a veteran, usually in the first degree. This means that if you are a child of a retired military or a veteran, you can also qualify for the government’s free housing grant.
Another person who can qualify for a home grants are persons who are disabled. The government will provide housing grant for disabled people. If you are disabled physically, all you have to do is ask the government for housing grants. They will usually give it to you.
Native American Indians also qualifies for housing grants. They are even given by the government reservations for tribes. Being a member of a particular Native American Indian tribe will give you housing grants from the government.
However, not only governments provide housing grants, private organizations do too. There are a lot of private organizations that both operate nationally and internationally to benefit homeless people, especially in third world countries. They are usually non profit organizations that travel around the world, particularly in impoverished countries to give families home grants from their organization. The members of these kinds of organization usually works for charity and will not ask any money in return.
The good thing about private organization home grants is that it’s usually fast and requires no papers or anything to qualify for the home grant. They will just look at the situation, seek local community approval and start building homes for impoverished people for free.
Home grants are a great way to get a home even if you have financial troubles. You can just ask your government for it or inquire in private organizations for the home grant requirement.
Some home grants can even provide you money if you need to pay off your mortgage or you need home improvement. Keep in mind that not everyone is qualified for the home grant. You should be able to qualify in their standards in order to qualify for a home grant.
S. Stammberger is the editor of Grants Central. Find out all you need to know grants, financial aids, and scholarships.
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Snatching Farm Land for Sale in Texas
January 16, 2008
Farm land for sale in Texas is a highly prized commodity. Texas’ increasing popularity along with the reasonable pricing of Texas farm land has brought many people to the Lone Star state in search of the perfect piece of land. Those in search of land for sale in Texas have found some of the sweetest little treasure just waiting for new ownership.
Fortunately, the majority of land for sale in Texas is still being sold to people interested in farm land ownership rather than development. While this is backwards in comparison to most of the rest of the country, it’s becoming a basic snatch it while you can mentality.
Due to increasing popularity, the land in Texas currently is bound to increase in price over the next several years. This is in part due to the quality of land, and in part due to the pristine environment associated with most of Texas. Texas offers a varying landscape, untouched territory, peaceful communities, and quiet retirement, a little something for everyone regardless of age or walk of life.
The faster individuals snatch up the land for sale in Texas, the harder it will be for the developers to get their hands on it. Texans are quite serious about keeping their valuable property away from the developers. This is of course a natural inclination of farmers everywhere, but somehow Texans seem just a little more devoted to their cause.
Fortunately snatching up land in Texas is momentarily not that difficult. With the price of properties currently more than reasonable and the market fairly good for farm land, there are also ample farm properties for sale in Texas. A quick internet search reveals several mortgage companies who offer flexible payment plans and mortgages that are more than fair even for people with less than perfect credit. Keeping the land in Texas as farm land is really that important to Texans.
The majority of land has been farmed by members of the same family for multiple generations. Selling this farm land is not an easy decision. Often this land ends up for sale due to the loss of a generation to pass it on to. Some of it is a lack of interest by younger generations in farming as they have left behind the farming way of life for careers and an urban lifestyle.
Buying a piece land is actually like purchasing a piece of living history. The families which own these farms have had generations of babies born in the bedrooms and often die in the same bedrooms. They have had grandfathers, fathers, and sons, all work the farm side by side, and mothers and daughter pass on generations of family secrets. This is certainly worth more than the sale of the farm land in Texas to the developers of a Wal-Mart.
Seeking the perfect land in Texas is a journey of discovery, as each farm comes with its own history, its own story, and of course, its own sense of pride. With every prospective buyer, the farm land for sale in Texas creates a story all its own that can never be recreated once it is sold. It is a beautiful experience, and one that can only be truly appreciated when in the hunt for that perfect piece of farm land for sale in Texas.
Owning farm land in Texas is like a badge of honor, as if owning the piece of history makes you part of it somehow. Living smack dab in the middle of the history, you are free to add your own legacy to the story, whether it is a new generation born in the bedroom or the passing of a generation in the bedroom across the hall. Each piece of land is simply waiting for a new writer to take up the story and create the history which will someday turn to legend.
The land for sale in Texas at this time is workable, cherish-able land. Anyone who is looking to make a new start in a place that is completely unique unto itself is looking for land in Texas, whether or not they know it. This is the state with everything to offer. From its land to its cities to its coastline, Texas is considered the most unique and diverse state in the country. Anyone can find lifelong happiness in Texas.
Barry Tipton is President/Founder of GoodLandDeals, a comprehensive website that brings together motivated buyers and sellers of land. Tipton boasts over 32 years experience in the land development, land sales and marketing, ranch sales and resort sales. Visit http://www.goodlanddeals.com
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Save Yourself With Some Bankruptcy Alternatives
January 13, 2008
How good is a bankruptcy alternative form bankruptcy? Bankruptcy is a legally-declared inability of an individual or organization to pay their creditors. It is legal process by which people and businesses can eliminate all, or a portion, of their debts by extending the time to pay-off their debts under the protection and supervision of a court and trustee.
Once an individual receives a bankruptcy-discharge, hes no longer obligated on those discharged/erased debts, and giving the debtor a fresh start financially. Yet as already mentioned, bankruptcy cannot always protect one from creditors efforts to collect secured-debts. It cannot wipe-out all debts, plus, the new bankruptcy law has made it harder for some to file bankruptcy. The new bankruptcy law was intended, to eliminate the bankruptcy of convenience. It makes sense then that indebted consumers/businesses want to seek a bankruptcy alternative. Debtors still need to find some other way to manage their increasing debt, but there are a lot of things that bankruptcy can and cannot do, and also the ensuing financial disadvantages in the future. To avoid the negative impacts of personal bankruptcy, individuals-in-debt should recourse to a number of bankruptcy alternative(s).
Bankruptcy Alternative(s):
No Action. Judgment from creditors could do nothing to the indebteds judgment proof of really not having anything for payment. It couldnt do anything more on the financial situation. It is unlikely that creditors could collect anything against the judgment, particularly if the debtor doesnt expect to have regular income or property a creditor could attempt to seize.
Self Money Management. Debt comes from spending more than one’s income. The most obvious solution is reducing monthly spending to allow room for unwanted debts that could be easily remedied by creating a personal budget and analyzing expenses to find areas to reduce expenses reducing food costs, taking public transportation, and eliminating unnecessary telephone and cable-television services.
Negotiation With Creditors. While negotiation may also buy the debtor some time to rebuild their finances, most creditors are also familiar that bankruptcy is an ordinary option for the indebted so they are willing to negotiate a settlement so that they receive a portion of their money, instead of also risking loses in a bankruptcy.
Debts-Consolidation. Borrowing from one lender at a low interest rate, replacing many payments to many different creditors with one monthly payment, plus taking care of guarantee-property could provide sufficient funds to repay a number of higher interest rate debts (such as Credit Cards) thereby simplifying the debtors monthly budget.
Formal Proposal to Creditors and Individual Voluntary Arrangements Plan. A formal proposal or deal with the creditors instead of against the creditors may be a wiser bankruptcy alternative allowing a debtor to reach a formal repayment arrangement with their creditors usually over a 5-year-period.
Bankruptcy would not be just a financial and emotional and mental burden; hence taking one bankruptcy alternative might just save you. Avoid the debt-trap as much as possible - save, and be saved.
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College Kids Ask Do I Need Renters Insurance
January 10, 2008
You can be all set to become independent in college. College is the time when you have to start preparing for your future, after all. So if you’re enrolled in a university, renting a dorm room, an apartment room or a boarding house is when you start taking responsibility for all your possessions. This is also the time when you normally ask yourself: do I need renters insurance?
Even as a young person just starting to make his or her way alone in the world, one already finds that there are an overwhelming number of things to set aside money for: credit card bills, rent, food allowance, tuition, life and health insurance, etc. Young people who ask themselves “Do I need renters insurance?” are people who are getting ready to face the adult world, and the obligations that come with it.
There’s no saying that you’ll actually be suffering from accidental damages, theft and other unforeseen occurrences if you’re living in a secure building, but with the way things are in this day and age, you just never know. In college, especially, kids can get a bit rowdy! You may be held liable for your own wild nights out, if you aren’t careful.
Unforeseen occurrences are exactly what renters insurance is for. Your landlord has only insured your building, after all, not the possessions that you brought into it. Jewelry, personal computers, multimedia equipment, antique furniture and other valuables could stand a bit of extra protection.
Another advantage to having renters insurance is being protected against liability charges. Say you accidentally left your tub running, hopelessly flooding your entire floor as well as the rooms directly beneath yours - don’t be surprised if the owners of the property damaged by the flooding will hold you liable for damages. If you’re already paying renters insurance, you can rest easy: this will help protect you from these charges, as well as assure that you have adequate compensation for the inconveniences you may personally suffer.
To the untrained eye, renters insurance is a bit extravagant. But the installments could actually go down to around $10 or $20 a month, depending on the worth of your possessions. Asking yourself “Do I need renters insurance?” is a good way to start training for when you own your own home, and are working out the kinds of insurance that you need to protect your assets and belongings.
Insurenters.com provides you with information on renters insurance related issues like do i need renters insurance, the pitfalls and the best tips. We help you find your renters insurance. http://www.insurenters.com/
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Best Performing Exchange Traded Funds for 2006 Thru August
January 8, 2008
Now that we are approaching Labor Day we are at a transformation point for the trading year. The slow low volume trading of summer is about to come to an end and we are likely to see higher trading volumes going into the fall.
Looking at the top ten ETFs for this year so far, we see two groups that stand out. We see the country funds of China ( no surprise), Spain , Belgium and France all in the top ten performing funds so far this year. Perhaps one of the biggest surprises is the Spain (EWP) fund. This is a rather obscure fund that is under the radar. This fund has $159 million in assets while the Japan fund (EWJ) has $13.5 billion in assets.
Spain has strong economic gains and low interest rates. To keep everything in perspective, Europe as a whole is out performing the US markets. Spain is outperforming the rest of Europe. In Spain the first quarter gross domestic product grew 3.5%. Since inflation rates are still relatively low, this market has room to grow.
Another fund flying under the radar is the Belgium Fund (EWK). Belgium has a very low interest rate and the stock market is undervalued. This is another low volume ETF with the daily average volume around 67,000 shares.
One of the hottest Exchange Traded Funds continues to be a China Fund (FXI). This fund has grown almost 20% in the last two months. In the same time period the NASDAQ Trust is down 4% and the SPYDERS have been hovering around their 5% gain for the year. The US markets are just not moving.
The FXI is an excellent way to invest in the China markets. The top two holdings in this fund are China Mobile and PetroChina. This economy is poised to move more then the US economy in the next year.
The other group that stands out when we look at the top ten ETFs for 2006, is real estate related Exchange Traded Funds. The news is filled with doom and gloom about the residential real estate market, however, the real estate related ETFs tend to focus on commercial real estate. The fund leading the pack so far this year is iShares Cohen & Steers Realty Majors (ICF).
These funds tend to invest is things like shopping centers, office parks and shopping centers. Also the investments tend to be in commercial real estate over a large and diverse geographical area. In this way the fund is protected against a downturn in one geographical region. These exchange traded funds are tied more to the US economy as a whole then residential real estate. They are not immune to downturns, however they are a good choice because they are less vulnerable then the over inflated housing markets.
The commercial real estate market continues to outperform most of the other sectors. One factor is a stagnant supply along with a growing demand. This is a much different situation then the residential real estate market. This is leading to rising rents and rising revenue growth for commercial real estate owners.
The outlook for real estate REITs continues to be good. The fundamentals of the commercial market remain strong, and as long as the interest rates remain low, the conditions for REITs look positive.
In the world of Exchange Traded Funds there are also foreign REITs. The markets that look good are in Europe and Asia. The market in Hong Kong looks particularly strong.
In the domestic markets the hotel sector is looking particularly attractive. This is due to a healthy increase in revenue per room.
The lesson is to learn the markets. With all the negative press on the real estate market, many uninformed investors will be directed away from looking at REITs as a good investment. It is important that investors become more informed. As investors have choices they never had before because of the growing diversity of Exchange Traded Funds, the investors have a responsibility to be informed on specifics of markets that they may have not had to pay attention to in the past. There are opportunities there, however the investor will have to work hard to make the correct decisions.
As summer ends the trading volumes will pick up. Always keep an eye on the commodity related exchange traded funds. Even though they all seem quiet now, they can change quickly.
Andrew Goldman is president of Metal Rabbit media services, the operator of Get ETF Info He has written a number of articles on finance and environment over the last ten years.
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