The Travelers Companies Inc (TRV) – Aiken Advocate

Shares of The Travelers Companies Inc (TRV) are moving on volatility today -1.03% or -1.37 from the open. The NYSE listed company saw a recent bid of 132.19 and 500649 shares have traded hands in the session.

Investors may be trying to figure out how long the stock market bull run will continue. There are plenty of commentators who think that a downturn is coming soon, but there are plenty who believe that the market still has plenty of room to push higher. Preparing the portfolio for any market scenario can help ease the investor’s mind. Putting in the time to research investments as well as global economic data might help keep focus clear when things get cloudy. Closing in on the end of the year, investors may be conducting year-end portfolio reviews. Figuring out what has worked and what adjustments can be made may help iron out the wrinkles heading into the next few quarters.

Digging deeping into the The Travelers Companies Inc (TRV) ‘s technical indicators, we note that the Williams Percent Range or 14 day Williams %R currently sits at -69.48. The Williams %R oscillates in a range from 0 to -100. A reading between 0 and -20 would point to an overbought situation. A reading from -80 to -100 would signal an oversold situation. The Williams %R was developed by Larry Williams. This is a momentum indicator that is the inverse of the Fast Stochastic Oscillator. 

Investors are paying close attention to shares of The Travelers Companies Inc (TRV). A popular tool among technical stock analysts is the moving average. Moving averages are considered to be lagging indicators that simply take the average price of a stock over a specific period of time. Moving averages can be very useful for identifying peaks and troughs. They may also be used to help the trader figure out proper support and resistance levels for the stock. Currently, the 200-day MA is sitting at 125.00, and the 50-day is 131.85.

The Travelers Companies Inc (TRV) currently has a 14-day Commodity Channel Index (CCI) of -68.84. Active investors may choose to use this technical indicator as a stock evaluation tool. Used as a coincident indicator, the CCI reading above +100 would reflect strong price action which may signal an uptrend. On the flip side, a reading below -100 may signal a downtrend reflecting weak price action. Using the CCI as a leading indicator, technical analysts may use a +100 reading as an overbought signal and a -100 reading as an oversold indicator, suggesting a trend reversal.

The RSI, or Relative Strength Index, is a widely used technical momentum indicator that compares price movement over time. The RSI was created by J. Welles Wilder who was striving to measure whether or not a stock was overbought or oversold. The RSI may be useful for spotting abnormal price activity and volatility. The RSI oscillates on a scale from 0 to 100. The normal reading of a stock will fall in the range of 30 to 70. A reading over 70 would indicate that the stock is overbought, and possibly overvalued. A reading under 30 may indicate that the stock is oversold, and possibly undervalued. After a recent check, the 14-day RSI for The Travelers Companies Inc is currently at 46.47, the 7-day stands at 36.57, and the 3-day is sitting at 20.54.

Another technical indicator that may be a powerful resource for determining trend strength is the Average Directional Index or ADX. The ADX was introduced by J. Welles Wilder in the late 1970’s and it has stood the test of time. The ADX is typically used in conjunction with the Plus Directional Indicator (+DI) and Minus Directional Indicator (-DI) to help spot trend direction as well as trend strength. At the time of writing, the 14-day ADX for The Travelers Companies Inc (TRV) is noted at 23.19. Many technical analysts believe that an ADX value over 25 would suggest a strong trend. A reading under 20 would indicate no trend, and a reading from 20-25 would suggest that there is no clear trend signal.

Traders may be scanning through the playbook while trying to come up with some new ideas. Technical analysts may be setting up the charts to help spot the next big trade. Because there are so many different angles to take when approaching the stock market, traders may want to start with a simpler system before diving into deeper waters. Figuring out the proper approach may take some added time and dedication.


Lowering The Cost of Your Home Insurance Quote

Your home is likely to be the largest investment you'll ever make, so protecting it against potential disadvantages is a smart and logical step to consider. If you have a mortgage, it will likely be part of the conditions that you have insurance to cover the cost of rebuilding your home in the event of fire or other serious damage. Unlike car insurance, home insurance is not compulsory by law so if you own your home outright you might think to save yourself a few pounds and forgo the cost of home insurance. However, house insurance need not be expensive and can provide valuable peace of mind in the event disaster strikes.

The premiums offered by insurance companies will be dependent on your circumstances and the amount and type of cover you need. Buildings insurance, for example covers the structure of your home and permanent interior fittings such as baths, toilets, fitted kitchens and interior décor, as well as protecting you in the event of serious damage, like fire, flood or collapse. Contents insurance covers your movable belongings, while joint cover protects both buildings and contents under one policy. If you require both types of cover, it's often cheaper to have a joint policy and you may find it easier to only have to deal with one company. However, there are also other ways to help reduce the cost of your home insurance.

If you're moving into a new home, you never know who might have a key for your front door, so it's a good idea to change the locks. Fitting approved locks on doors and windows will help reduce your premium, so consider fitting key locks to windows and patio doors and BS 3621 deadlocks to your outside doors. Also consider installing an approved burglar alarm, which can cut your premium by up to 10 per cent and, if your neighborhood has one, it's a good idea to join the neighborhood watch scheme – a move that could lower your premium by up to five per cent. However, remember to inform your insurer of any changes you make to your property, as failing to do so could invalidate your insurance.

Many break-ins happen when its dark and you're not around. Using time-switch lights (which turn lights on and off at a given time) gives the impression that someone is at home, meaning burglars are more likely to think twice about trying a break-in. Alternately, consider light-sensitive switches which turn lights on or off depending on levels of ambient light, and can be set to switch on and off at random intervals. Installing motion-activated exterior lighting can also help deter burglars as unwelcome guests are less likely to loiter if they're in the spotlight, while animal lovers could also lower the cost of their premium by employing man's best friend to guard the house when you ' re not around.

Increasing the standard policy excess is another method of reducing the cost of your insurance premium. If you are willing to cover more of the cost of any claim, you'll pay less for your premium as a result, while having no record of previous claims will also help to keep costs down. If you do have to make a claim, consider whether it's worth doing or cheaper to foot the bill yourself so future premiums do not increase.

The home insurance quote is not necessarily the cheapest quote, so be sure to shop around to make sure any quote encompasses all your requirements. Use a financial services comparison website to explore the insurance market, while getting a quote and buying online can often yield further discounts; but check to make sure that the levels of cover offered are sufficient to replace your possessions in the event of loss, and that you're not paying for added extras you do not need.

Remember, the world of insurance is competitive and insurance companies want your business. If you find a cheaper quote elsewhere that meets your requirements you may be able to haggle a better deal from your existing insurer.

Buy/Sell Signals for The Travelers Companies, Inc. (TRV) and Dollar Tree, Inc. (DLTR)

Shares of The Travelers Companies, Inc. (NYSE:TRV) observed rebound of 17.41% since bottoming out on Sep. 07, 2017. Meanwhile, due to an ongoing pressure which caused a decline of almost -1.33% in the past five days, the stock price is now up 9.1% so far on the year — still in strong territory. In this case, shares are down -3.18% , the 52-week high touched on Dec. 04, 2017, and are keeping their losses at 9.99% for the past 12 months.

TRV Target Price Reaches $132.94

Brokerage houses, on average, are recommending investors to hold The Travelers Companies, Inc. (TRV)’s shares projecting a $132.94 target price. Analysts‟ target price forecasts are a prediction of a stock‟s future price, generally over the 12 months following the release date (Asquith et al., 2005). This forecast is a point estimate that provides investors with a benchmark against which to directly compare stock price in the short run.Target prices made by analysts employed by large brokers, who have access to a greater resource pool, are more likely to be met over the 12-month forecast period.

How Quickly The Travelers Companies, Inc. (TRV)’s Sales Grew?

TRV’s revenue has grown at an average annualized rate of about 1.7% during the past five years. However, the company’s most recent quarter increase of 5.2% looks attractive. The sales growth rate for a stock is a measure of how the stock’s sales per share (SPS) has grown over a specific period of time. It tells an investor how quickly a company is increasing its revenues. The sales growth rate helps investors determine how strong the overall growth-orientation is for a stock or portfolio.

Dollar Tree, Inc. Achieves Above-Average Profit Margin

The best measure of a company is its profitability, for without it, it cannot grow, and if it doesn’t grow, then its stock will trend downward. Increasing profits are the best indication that a company can pay dividends and that the share price will trend upward. Creditors will loan money at a cheaper rate to a profitable company than to an unprofitable one; consequently, profitable companies can use leverage to increase stockholders’ equity even more. Profitability ratios compare different accounts to see how efficiently a business is generating profits. These ratios show how well income is generated through operations, and are important to both creditors and investors. They help determine the company’s ability to continue operating. Currently, The Travelers Companies, Inc. net profit margin for the 12 months is at 10.15%. Comparatively, the peers have a net margin 5.7%, and the sector’s average is 29.11%. In that light, it seems in good position compared to its peers but weakness can be witnessed when compared with the sector. The profit margin measures the amount of net income earned with each dollar’s worth of revenue. It shows the percentage of sales that remain after all of the company’s expenses have been paid. The higher the ratio, the better.

Dollar Tree, Inc. (NASDAQ:DLTR) is another stock that is grabbing investors attention these days. Its shares have trimmed -3.13% since hitting a peak level on Dec. 12, 2017. Thanks to an increase of almost 12.7% in the past one month, the stock price is now outperforming with 36.81% so far on the year — still in strong zone. In this case, shares are 60.89% higher, the worst price in 52 weeks suffered on Jun. 16, 2017, and are keeping their losses at 45.18% for the past six months.

Analysts See Dollar Tree, Inc. 1.89% Above Current Levels

The good news is there’s still room for Dollar Tree, Inc. (DLTR) to grow. At recent closing price of $105.59, DLTR has a chance to add $1.89 or 1.79% in 52 weeks, based on mean target price ($107.48) placed by analysts.The analyst consensus opinion of 2.1 looks like a hold. It has a 36-month beta of 0.61 , so you might not be in for a bumpy ride.

Are Dollar Tree, Inc. (NASDAQ:DLTR) Earnings Growing Rapidly?

For the past 5 years, Dollar Tree, Inc.’s EPS growth has been nearly 13.4%. Sure, the percentage is encouraging but better times are ahead as looking out over a next 5-year period, analysts expect the company to see its earnings go up by 13.48%, annually.

Is DLTR Turning Profits into Returns?

Dollar Tree, Inc. (DLTR)’s ROE is 17.31%, while industry’s is 25.59%. The average ROE for the sector stands at 12.64%. The return on equity (ROE), also known as return on investment (ROI), is the best measure of the return, since it is the product of the operating performance, asset turnover, and debt-equity management of the firm. If a firm can borrow money and use it to achieve a higher return than the cost of the debt, then the leveraging creates additional revenue that accrues to stockholders as increased equity.

Dollar Tree, Inc.’s ROA is 5.82%, while industry’s average is 9.69%. As with any return, the higher this number the better. However, it, too, needs to be taken into the context of a company’s peer group as well as its sector. The average return on assets for companies in the same sector is 6.26. The return on assets (ROA) (aka return on total assets, return on average assets), is one of the most widely used profitability ratios because it is related to both profit margin and asset turnover, and shows the rate of return for both creditors and investors of the company. ROA shows how well a company controls its costs and utilizes its resources.

Mortgages For Debt Consolidation

Unsecured loans are some of the most available ways to consolidate your debts because, as the name suggests, they do not really need you to put anything on the line. Thus credit cards and similar debt consolidation arrangements have become very common in recent years.

However, one big problem with unsecured loans for debt consolidation was that they usually had high interest rates attached to them. With credit cards, for example, that interest could reach as high as 30%. If that sort of figure is too much for your income and budget, you might want to try one of the other very available methods of debt consolidation, the mortgage.

Your Debts under One Roof

A mortgage is, in essence, a loan with your home or real estate used as collateral or security. Therefore, it offers all the usual benefits of debt consolidation plans, such as simplified payments and an extension on what would otherwise have been overdue and interest heavy debts.

The added advantage of getting a mortgage to consolidate your debts is that the interest rates associated with mortgages are usually lower. Sure, it is being getting a bit more expensive in recent years as all the borrowing and other market forces have pushed the interest rates upward.

Neverheless, getting a mortgage to put all your debts in one place is still a cheaper option than unsecured debt consolidation methods such as using credit cards. You can take comfort in the fact that you would not be forced to pay the sky high 30% APR that some credit cards tend to charge.

Along the obvious advantage provided by lower interest rates, using a mortgage for your debt consolidation offers you another plus. In most cases, your payments on your mortgage (or, at least, the interest on your mortgage) can actually be deductible from the property taxes that you have to pay.

Add up all the mortgage payments you will have to make and you can see that you will be saving yourself quite a tidy sum in taxes in the long run. You get to hit two financial problems with the same amount of money.

The Cons of a Mortgage

Because it is a loan that is secured using your house, the most obvious and the most urgent drawback of getting a mortgage is that your house and real estate is on the line. Before taking out a mortgage loan, you have to make sure that you will be able to make mortgage payments regularly and on time to keep your house yours. There are also closing fees that you will most likely have to deal with at the end of the loan term.

Mortgages are a great debt consolidation option for those who have secured regular income for the span of the loan term, as well as considerable home equity. It offers significantly lower interest rates than other non secured loans and consolidation methods, so you will be paying less in fees through the term of the loan. At the same time, you get a chance to make some of your payments tax deductibles, saving you even more money. And when it comes to debt consolidation, saving money is what counts.

Scam, Bam, Thank You Ma’am

Senior citizens can be fraud victims in their homes, cars, churches or social clubs.

When he was a teenager, Justin Ray White traveled around the country with his father as part of a nation-wide band of con artists called “travelers.” Now an inmate in the Idaho state prison, White relates how his father would have him roll down his truck window to listen to how his dad would talk to elderly people so the boy could “pick up pointers about how to hustle them.”

The multi-million-dollar racket: door-to door home repairs such as roofing, painting, asphalt paving, termite spraying. White’s advice after his life of crime: “Never hire anyone to do work for you that shows up on your doorstep. They are there to steal your money.” Other warning signs of a traveler, says White, are contractors whose pickup trucks have no license plates; who offer a discount because they have “left over materials from another job;” or who insist on being paid in cash or having the customer go to the bank to write a check to be cashed immediately.

Preventative medicine, says White, is to scatter a few toys in your front yard, “so it doesn’t look like old people live there. . .just a couple of these is enough to throw a traveler off.”

Safe at Home?

But not all crooks come in the front door. Other “portals” for the con artist are through your telephone and your computer.

According to the Social Security Administration, telemarketing fraud is a multi-billion dollar business, and seniors are “special targets.” Scams offered over the phone include prize offers, travel packages, vitamins and health products, investments and charities.

Tip-offs to phone fraud:

“You must act now or the offer is no good.”

You’ve won a “free” prize but you must pay “handling” or other charges.

You’re pressured to make a decision without written documents, or getting advice from your family, lawyer, or Better Business Bureau.

The telemarketer is a stranger who asks for a credit card, bank account number, or for a courier to come to your home to pick up a check.

The solution? Simply say “Take me off your call list,” and hang up. However, don’t depend on the Federal Trade Commission’s national “do not call list” to protect you from con artists. “Some are simply ignoring it and counting on the fact that they’ll be gone before the FTC can respond,” cautions James Walsh, author of books on risk and personal finance for consumers.

The Internal Revenue Service last year issued a warning to families of those serving in the Armed Forces. A telephone caller posing as an IRS employee will call a family member, telling him that he is entitled to a $4000 tax refund because his relative is in the military. All that is necessary for processing the check, says the caller, is a credit card number to cover the $42 postage and handling fee. The caller will provide a legitimate IRS telephone number, but by the time the victim discovers the scam, the scammer has racked up major purchases with the credit card number.

Crooks will also try to get at an elderly person’s money through email. One of the most popular-and enduring-email con games is the “Nigerian scam.” The letter looks innocent enough, coming supposedly from a Nigerian lawyer (or banker or pastor) who enlists the email recipient’s help in getting millions of dollars out of the country. It asks for private information, like phone numbers and bank account numbers, purportedly to help keep the money “safe” in the United States. In exchange, the money’s “host” will get a hefty percentage of the cash. According to U. S. Senator Larry Craig-who has himself received such an email– two years ago a Boise, Idaho man who lost $11,000 in this scam went to Nigeria as part of the scheme, where he was kidnapped and had to pay a $3000 bribe to his captors. Another man, not so lucky, was murdered in Nigeria as the result of a similar scam.

Peril on the Streets

James Quiggle, Director of Communications for the Coalition Against Insurance Fraud, says that crime rings target senior citizens, looking on city streets for elderly motorists they can involve in “staged” accidents. “As the fraud artists see it, seniors drive slower, they’re less alert to setups on the road,” says Quiggle. “They’ll panic and forget details at the crash scene, and can be easily intimidated.”

Quiggle advises three tactics:

1) Keep on the lookout for an older car that seems to be “shadowing” you

2) Don’t tailgate. “Many crooks try to lure you into a rear-ender,” says Quiggle.

3) Keep a disposable camera in your glove compartment so you can document what really happened at the scene of any auto accident.

Crime Among Friends

James Walsh, author of You Can’t Cheat an Honest Man (Silver Lake Publishing), emphasizes that senior citizens — who in our modern society often live alone and have money available in pension or retirement funds –are particularly vulnerable to financial scams. Crooks know that, and according to Walsh, they customize their pitches to fears about current events.

“In the wake of the Enron and Tyco corporate accounting scandals, I noticed a number of ‘investment seminars’ being promoted in Southern California that promised to show how to take advantage of the Wall Street turmoil and ‘reap big profits,'” says Walsh, who says scammers use financial planning and investment seminars to recruit victims. “So I suspect some of these seminars were crooked.”

Walsh’s advice: “In general, stay away from any investment which ‘guarantees’ big ‘risk-free’ profits–25 percent per year is often the starting point, and the promises go up from there. There are big profits to be made in a capitalist economy–but bigger profits always mean bigger risk, and no guarantees.”

Con artists also know greed is not the only emotion that fuels their scams: Fear, loneliness, and other “negative” feelings make the scams against a senior citizen work. But sometimes scammers play off positive, healthy qualities, like friendship, loyalty, and patriotism.

Walsh says these investment-scheme “perps” are also good at insinuating themselves into groups–social, church-based, professional–where trust is assumed. “Retirees should be wary of mixing business with pleasure,” cautions Walsh. “They should think twice about putting their money with anyone they meet socially. A good response to any offers of big profits is, ‘No thanks, my money is all committed to an investment plan I set several years ago.'” Walsh says the scam artist, who is looking for hesitation and indecision, will usually move on to another prospect when they get a firm, no-quarter-given response like that.

Frank W. Abagnale, the con-artist-turned-crime-consultant whose life was portrayed in the recent movie, Catch Me if You Can, cites a prevalent and effective scam that has been working well for 40 years; one that requires no technology, just a helpful, civic-minded senior citizen.

Abagnale describes the scenario.

“Two men sit outside a savings bank looking for an elderly woman departing the bank.  They follow her to her home, ring the bell and identify themselves as FBI agents.  They say they are investigating the bank that she banks at because they believe one of the tellers is embezzling money.  The government is asking for her help in catching this embezzler. 

“They instruct her to return to the bank and withdraw all of her money in cash and return home. The imposters say that they are going to leave for a couple of hours and take the money back to their office to have the money marked.  Then they will return all of the cash to her to re-deposit into her account so they can catch the embezzler.  She will be doing her country and the bank a great service, but she cannot confide in anyone at the bank as they are not sure who the embezzler is.  Of course, they never return.”

 

“Though this sounds simple, and most good scams are,” says Abagnale, “hundreds of people fall for it each year.”

The Travelers Companies Inc (TRV) Holds Steady Above Rising Trendline – Concord Register

The Travelers Companies Inc (TRV) moved -0.57% in the most recent session, touching a recent bid of 133.56.  Current price levels place the shares above the rising trendline.  

A principle of technical analysis is that once a trend has been formed (two or more peaks/troughs have touched the trendline and reversed direction) it will remain intact until broken. That sounds much more simplistic than it is! The goal is to analyze the current trend using trendlines and then either invest with the current trend until the trendline is broken, or wait for the trendline to be broken and then invest with the new (opposite) trend.

One of the basic tenets put forth by Charles Dow in the Dow Theory is that security prices do trend. Trends are often measured and identified by “trendlines.” A trendline is a sloping line that is drawn between two or more prominent points on a chart. Rising trends are defined by a trendline that is drawn between two or more troughs (low points) to identify price support. Falling trend-s are defined by trendlines that are drawn between two or more peaks (high points) to identify price resistance.

Taking a glance from a technical standpoint, The Travelers Companies Inc (TRV) presently has a 14-day Commodity Channel Index (CCI) of -6.82. Typically, the CCI oscillates above and below a zero line. Normal oscillations tend to stay in the range of -100 to +100. A CCI reading of +100 may represent overbought conditions, while readings near -100 may indicate oversold territory. Although the CCI indicator was developed for commodities, it has become a popular tool for equity evaluation as well.

The 14-day ADX for The Travelers Companies Inc (TRV) is currently sitting at 24.97. Generally speaking, an ADX value from 0-25 would indicate an absent or weak trend. A value of 25-50 would indicate a strong trend. A value of 50-75 would signal a very strong trend, and a value of 75-100 would indicate an extremely strong trend. The ADX is a technical indicator developed by J. Welles Wilder used to determine the strength of a trend. The ADX is often used along with the Plus Directional Indicator (+DI) and Minus Directional Indicator (-DI) to identify the direction of the trend.

Moving average indicators are used widely for stock analysis. Many traders will use a combination of moving averages with different time frames to help review stock trend direction. One of the more popular combinations is to use the 50-day and 200-day moving averages. Investors may use the 200-day MA to help smooth out the data a get a clearer long-term picture. They may look to the 50-day or 20-day to get a better grasp of what is going on with the stock in the near-term. Narrowing in on Moving Averages, the 200-day for The Travelers Companies Inc (TRV) is at 124.95, the 50-day is 131.67, and the 7-day is resting at 134.21. The RSI is computed based on the speed and direction of a stock’s price movement. The RSI is considered to be an internal strength indicator, not to be confused with relative strength which is compared to other stocks and indices. The RSI value will always move between 0 and 100. One of the most popular time frames using RSI is the 14-day. The 14-day RSI is presently standing at 52.34, the 7-day sits at 46.83, and the 3-day is resting at 37.49.

Investors may be watching other technical indicators such as the Williams Percent Range or Williams %R. The Williams %R is a momentum indicator that helps measure oversold and overbought levels. This indicator compares the closing price of a stock in relation to the highs and lows over a certain time period. A common look back period is 14 days. The Travelers Companies Inc (TRV)’s Williams %R presently stands at -52.57. The Williams %R oscillates in a range from 0 to -100. A reading between 0 and -20 would indicate an overbought situation. A reading from -80 to -100 would indicate an oversold situation.


A State's Car Insurance Regulations

As with every state, relating to vehicle, AZ car insurance is mandatory. There is a choice, you can have a regular insurance policy, a bond, certificate of deposit or cash in the amount of $ 40,000. All must be registered with the Department of Motor Vehicles.

Arizona requirements are 15/30/10 regarding liability. That is $ 15,000 for one person's bodyily injury, $ 30,000 for two or more and $ 10,000 property damage. With today's high medical and replacement or repair of a vehicle costs, it is obvious that this is not enough to cover a serious accident. Therefore, it is your best interest to have more coverage than required.

Law requires this insurance coverage to be obtained from a company that is authorized to do business in the state. In addition, this liability insurance includes golf carts, motorcycles and mopeds. Prices on the premiums depend on a statewide pool of automobile accidents and insurance company losses that they had to pay to settle claims.

It is possible to lower the cost of your insurance through a variety of discounts available. They include a good driving discount and combining auto insurance with homeowner insurance. Others are having more than one vehicle, good student, nonsmokers and passive restraint (air bags or seat belts). Having higher deductibles also lowers the premium.

As a rule, traveling out of state your insurance coverage is valid. However, you should be aware that if you travel to Mexico you must have a separate liability coverage from a Mexican insurer. If going within 25-50 miles of the border the Arizona insurance may have some limited coverage but does not meet Mexico requirements. If you are in an accident, while in Mexico, you could wind up with a heavy fine and possibly spending some time in their jail.

Each insurance company is required to report to the state when someone lets their insurance policy lapse, this suspends the registration and license. Of course, anyone caught driving without the insurance incurs fines and, if this happens a number of times can lose the car. If your vehicle is inoperable or is in storage for a time it is possible to get the insurance. This form is filed with the state informing them that the vehicle will not be driven on the highway so does not need insurance. This is stated in your license registration record.

In driving on any highway, in any country, it is the responsibility of the car's owner to have insurance for liability in case there is an accident and someone is injured. AZ car insurance is no different. Having insurance is a protection, both for yourself and for anyone else involved in an accident.

Aged Internet Mortgage Leads

High-quality, aged mortgage leads can be very hard to find. However, the Internet offers a fast, easy, and convenient way for any mortgage broker to find good mortgage leads with a high success rate. If you are looking for aged Internet mortgage leads, you will find that there are a huge number of mortgage lead companies you can choose from.

These mortgage lead companies acquire their leads in a variety of ways. These companies also offer you different options for choosing and buying leads. Prices also varies greatly from one lead company to the next. Finding the best aged Internet mortgage leads is an important key to success in the competitive mortgage industry.

If you are buying aged mortgage leads through the Internet, you should know that lead companies offer different varieties of leads, including real-time or fresh leads and recycled leads. Recycled leads are much less expensive, and you will most likely buy such leads in bulk. If you choose to buy fresh leads, you will have to invest more. However, since these leads are "hot off the press," you have a better chance of closing some loan deals than if you purchased recycled leads. Plan wisely to get the most out of your investment.

An important factor to consider when buying aged Internet mortgage leads is to know where the company obtains their leads. Pick a lead company that owns and runs its own website to acquire leads – this ensures that you get guaranteed fresh leads instead of those that are bought from other lead companies.

Choose an Internet mortgage lead company that lets you start an account at a lower cost. Make sure that the company's return and refund policy allow you to get refunds if the leads you purchase are not good quality. Compare various lead companies and talk with their sales representatives before making a decision.

The Travelers Companies Inc. (TRV) Closes 0.59% Down on the Day for December 13

Shares of The Travelers Companies Inc. (TRV) ended the trading day Wednesday at $133.56,
representing a move of -0.59%, or $0.79 per share, on volume of 1.32 million shares.

The Travelers Companies Inc operates in property and casualty insurance industry. Its operations are divided into three segments: Business and International Insurance; Bond and Specialty Insurance; and Personal Insurance.

After opening the trading day at $134.37, shares of The Travelers Companies Inc. traded between a range of $133.22 and $134.37. The Travelers Companies Inc. currently has a total float of 273.7 million
shares and on average sees 1.63 million shares exchange hands each day.

The stock now has a 50-day SMA of $130.69 and 200-day SMA of $124.16, and it has a high of $137.95 and low of $113.76 over the last year. Its P/E ratio is 13 and its P/B ratio is 1.81.

The Travelers Companies Inc. is based out of New York, NY, and has 30,900 employees. The company’s CEO is Alan D. Schnitzer.

For a deeper dive into the fundamentals of The Travelers Companies Inc., check out equities.com’s Stock Valuation Analysis report for
TRV
. Want to invest with the experts? Subscribe to Equities Premium newsletters today! Visit http://www.equitiespremium.com/ to learn
more about Guild Investment’s Market Commentary and Adam Sarhan’s Find
Leading Stocks
today.

GET TO KNOW THE DOW

The Dow Jones Industrial Average is the oldest and most-often cited stock market index for the American equities market. Along
with other major indices such as the S&P 500 and Nasdaq, it remains one of the most visible representations of the stock market to the outside world. The index consists of 30 blue chip companies and
is a price-weighted index as opposed to a market-cap weighted index. This approach has made it somewhat controversial among market watchers. (See: Opinion: The DJIA is a Relic and We Need to Move On)
The history of the index dates all the way back to 1896 when it was first created by Charles Dow, the legendary founding editor of the Wall Street Journal and founder of Dow Jones & Company, and
Edward Jones, a statistician. The price-weighted, scaled index has since become a standard part of most major daily news recaps and has seen dozens of different companies pass through its ranks,
with only General Electric ($GE) remaining on the index since its inception.


To get more information on The Travelers Companies Inc. and to follow the company’s latest updates, you can visit the company’s profile page here:
TRV’s Profile
. For more news on the financial markets and emerging growth companies, be sure to visit Equities.com’s
Newsdesk
. Also, don’t forget to sign-up for our daily
email newsletter
to ensure you don’t miss out on any of our best stories.

All data provided by QuoteMedia and was accurate as of 4:30PM ET.



DISCLOSURE:
The views and opinions expressed in this article are those of the authors, and do not represent the views of equities.com. Readers should not consider statements made by the author as formal recommendations and should consult their financial advisor before making any investment decisions. To read our full disclosure, please go to: http://www.equities.com/disclaimer

Purchasing the Best Car Insurance

In the past, car insurance was not a necessity, as some people went for it and some did not. However, today an auto coverage policy is one of the crucial things in your life, if you own a car. People need proper coverage, no matter how luxurious or modest their car is.

The way people buy insurance has also changed. In the past, buying a car insurance just meant to meet your neighborhood agent and ask him for it. But now, it is somewhat different, as you have got lots of other options at your disposal from where you can get your vehicle insured, with some entirely new coverage choices.

Buying car insurance: Which method to choose?

When you want insurance for your car, you might be puzzled as from where you should get it. Should you deal with an insurance agent or should you go online? You can choose among different options for getting your car insurance. This includes:

  1. Buying from captive agents
  2. Buying from independent agents
  3. Buying online

People, who prefer personal services and like to form face-to-face relationships, should certainly purchase their policy from an agent. But, since there are different agents, they need to decide which one is the best for them.

Among these, some are called ‘independent agents,’ who sell insurance for numerous companies and some are ‘captive agents,’ who sell insurance for just one firm. Let us see the different features of these agents, so that you can decide easily and quickly the right agent for yourself.

1. Buying from captive agents

You should buy your coverage from a captive agent, if you are dedicated to a specific insurance firm. Since captive agents deal with only one company, they will know all the different insurance options offered by that company. And, thus they can assist you to build the right package based on your needs. However, captive agents may take more time to respond to your questions and to know your needs as compared to independent agents who work for commission.

2. Buying from independent agents

You should buy a policy from an independent agent, if you want to check out the different insurances provided by different companies, as independent agents deal with several companies and not just one particular insurance firm. This way you can get a better rate.

And, since independent agents are not directly employed by any one firm, they would not push one specific product and will tell you the right things about all the insurances. Thus, independent agents can aid you to find inexpensive coverage for your car. However, since they work for commission, they are under more pressure to grab a deal as soon as possible.

3. Buying online

The third option is to skip insurance agents completely and to work directly with the company online. However, for this you have to do most of the work yourself. You have to conduct a thorough research on different coverage providers, what they offer, the rates of their insurance, and what all their policies covers. Then, you can talk to the company, that best fits your needs to procure the coverage itself.

Among these, some insurance companies that employ agents do not necessitate you to work with them and a few of them do not employ agents at all. Buying auto insurance online is one of the best options for you if you do not have much time and want to get inexpensive car insurance, as it saves you from paying commission to an insurance agent. If you are not sure about your car insurance needs, then buying car insurance online, without an insurance agent can cause you to buy the wrong, too little, or too much insurance.

Select your type of coverage

Besides deciding which company to go with, you must also consider which policy you want. There are three main types of policies, including traditional, usage-based, and per-mile car insurance. So, have a look at these three car insurance coverage programs before you settle for one particular car insurance.

1. Traditional auto insurance

In this type of auto insurance, the insurers determine the quotes for the policy with the help of various personal factors, such as your age, driving history, gender, credit score, etc. Generally, the more risk you have as a driver as per these factors, the more high your insurance rates will be. In this, you can opt for a minimum coverage amount as per the state law or else you can select from a long list of different types of auto insurance coverage.

2. Usage-based auto insurance

As opposed to the traditional car insurance, where insurers presume your driving skills depending on a list of different risk factors and your accident history, usage-based car insurance providers offer you car insurance by seeing you in action in real. In this type of car insurance, like Allstate’s Drivewise or Progressive’s Snapshot, you get a telematic device, which you have to plug-in your car. This device records how you drive and your driving behavior, especially your bad driving habits like accelerating or hard braking.

So, if the device records that you are a low-risk driver, then you can save your money with usage-based car insurance. However, if it records that you frequently drive late at night or you drive fast, then it would not help you save money with your car insurance. Additionally, many usage-based car insurance programs are not available in each state. Therefore, if you are devoted to one insurance company, then you may have to switch your company, in case you move to a different state.

3. Per-mile auto insurance

Per-mile auto insurance providers also use a telematic device, but they focus on just one thing, that is how little or how much you use your car. However, this car insurance type is still new and is not available in every state. Among others, Metromile is the best provider of per-mile car insurance and is available in seven states until now, which are California, Illinois, Oregon, Pennsylvania, New Jersey, Washington, and Virginia.

Additionally, per-mile providers use the same elements as traditional insurers in determining your car insurance rates, but you can save some money through its telematic device. If you do not use your car much and use it only for emergencies, then your premium may be cut significantly. However, if you normally drive your car, then there are fewer chances of you saving money from it.

Shop around

No matter how you purchase your insurance, whether you go for a dedicated agent or you directly sign up with a car insurance provider, you must shop around in order to get the best rates. Do some homework and do not just settle for the first deal that comes your way. This is because rates for the same policy can differ from one company to the other by thousands of dollars. Therefore, comparing different car insurance offers is the best possible way to land up a good deal.