Top 5 Reasons to Play Daily Fantasy Sports

The latest addiction in the virtual world, daily fantasy sports is a fun game that fuels the mind, gives you a rush of adrenaline and of course, there’s the possibility of attaining instant gratification. But if you’re someone who has not been previously exposed to this new breed of gaming, why should you play it in the first place?

Here are five reasons for you to get started on building your own fantasy sport team.

1. Play anytime.

Perhaps it is this freedom of time that makes daily fantasy sports extremely popular. Unlike the traditional sports game, there is no season-long commitment when you’re playing. You can start creating your team whenever you have the time and then put them to rest when you’re already busy with work or study.

2. There’s mathematics involved.

Yes, this game is not just about who has the faster internet connection or the luck to win. You have to have strategy and you need to master the mathematics behind it so that you be declared as the winner.

Unlike playing cards in casinos, daily fantasy sports do not call you a cheat if you use math. Rather, it’s an excellent winning strategy to spend some time scouring analytics on players and matchups. In fact, one avid fan of the game shares that it is best to start by picking on the weaker teams and work your way up the ranks.

3. It is a legal money play.

No, it is not gambling. According to the provisions stated in the Unlawful Internet Gaming Enforcement Act, daily fantasy sports are completely legal. Although some states may have a few exceptions but nevertheless, there is always a possibility of making substantial amount of money with daily fantasy sports. Some people even play this sport for a living.

4. Ready availability of athletes.

When you’re managing a team of professional players, there is always the risk of injuries. If the injured player happens to be your star, you team’s power will be affected and you might even loss a game.

But if you’re playing daily fantasy sports, all your players have been crafted to be as powerful and competent as the other. So even if a player gets injured, you will still have your team’s power intact because anyone else can take his place. Of course, you have the option not to draft the injured player for an upcoming game and just keep him on the bleachers until he’s ready.

5. Variety of Opponents

With this setup, you have the freedom to play against several opponents. This enhances your gaming and thinking skills and in the long run, provides more chances for you to win some real money.

When you’re playing daily fantasy sports, you have to understand that it’s more numbers-driven. So your winnings, as the owner and manager of the team, will be determined by your team’s score. You also have the option to play one-on-one or against two to 25 players at a time. But of course, you need to shell out some money per entry too but you’ll realize that your investment can go a long, long way.



Source by Ralph Wilhelm

Magic Formula Investing to Improve Financial Returns

Magic formula investing is an effective investment method outlined by Joel Greenblatt. This technique helps to make good money within short investment period. This investment became more popular in 2009 because of its unique features and procedures. There are certain facts that need to be considered before investing in magic formula investment program.

First, all the credit card debts need to be cleared before starting this program. Higher interest rates debts and auto loan should be cleared. This formula helps to get the benefit of constant return from the investment and all the procedures are mostly based on value investment techniques. Also, this investment plan is well enhanced with different trading amounts.

Second, before implementing this program, if a person wants to fund their account, then they should create an emergency account themselves. This emergency cash funds are very helpful during unpredictable expenses such as auto repairs or medical expenses. Also, emergency account serves as a great tool to evaluate the monthly expenses.

This formula depends on many important components, but building and maintaining the right investment portfolio is the critical component. The steps for building the right portfolio are choosing stocks with minimum market capitalization of about $ 50 million or more, exclude stocks of financial and utility companies, and exclude stocks of foreign organizations.

Selecting the right stocks with minimal market capitalization can be easily realized by following few steps. First, company's annual earnings yield and return on invested capital need to be determined. The stocks should be chosen by ranking them to find stocks that are above market capitalization threshold. The ranking can be done based on return on capital and earning yields per year.

Then, one can invest in stocks that are in 20 to 30 rankings in the list. In addition, the stock's performance should be analyzed in twelve months time-frame. The highest performing stocks start accumulating 2 to 3 positions monthly in a year. Every year the portfolio requires re-balancing and this inclusion selling poor performing stocks and sometimes even high performing stocks.

Poor performance stock need to be sold before one week of the one year mark and the high performance stocks can be sold after one week from the one year mark. By systematically following these methods for about 3 to 5 years, one could easily enjoy the benefit from this investment technique. This investing method is the best turnover strategy and it is very simple to understand. This strategy is totally logical, simple, straightforward, and gives exceptional out-performance.



Source by Alex Garcia

Vintage Car Insurance – How to Find the Best Rates

If you have a vintage car then it probably cost you a lot of money. Most people who buy vintage or classic cars do so not only because they like them, but because they see the vehicle as an investment. Once you have spent thousands, if not hundreds of thousands of thousands of dollars on a vintage car, you need to be sure that you have the right kind of insurance policy.

When you are shopping for car insurance you’ll find that the type of insurance you need will be different to that for ordinary cars. Once you start looking you should try and find an insurance company that specializes in insuring vintage cars. Vintage cars require specialist coverage. The type of coverage you will need will depend very much on how your car is used. You will need a different kind of premium if the car is only driven to specialist shows and exhibitions, than you would if you drove your vintage car like a regular vehicle.

Providing you take the time to look for the right kind of policy for your car, then it is possible to save money on car insurance. You should not insure a classic or vintage car under a standard insurance policy. If you have bought your car as an investment piece then you don’t want to be driving it around in the same way that you would an ordinary car.

There are guidelines for insuring different types of vehicles and you should be familiar with these before you insure your car. If you want an insurer to give you a good quote for your vintage car then you need to have been driving for at least five years as insurance companies want to protect your asset as much as you do. Providing you are twenty five or older it should be easy to find insurance for your vintage car as insurance companies will look on you as less of an insurance risk than a younger driver.

When you insure a car, insurers will want to assess both your security and your driving skills before they will allow you to take out a speciality premium. You should have a car that is old enough to be considered a vintage vehicle and this standard will depend on the company that you buy your insurance from.

Some insurance companies will only give vintage status to cars that are nineteen seventies vintage or older. You should know that policies will differ depending on the age of your car. Another thing that insurers will take into consideration is whether you have an insurance policy of an ordinary car before they grant you a special policy.

If you do tend to drive a vintage car on a daily basis then insurance companies may regard that car as too much of a risk, as the more a car is driven the sooner it is likely to deteriorate and decrease in value. Insurance companies offer special premiums based on the actual cash value (ACV) of your car, the stated value (SV) and the agreed value (AV) of the vehicle.

When you give the insurance company a value for your car they will pay it but they cannot insure you for the stated value. Most vintage car owners get their insurance on the basis of an agreed value of the car. This means that they will agree with you a value for your car and take into consideration your investment and any maintenance, and then they will give you a policy for that value.



Source by Andy Darwinson

Travel Insurance – A Must-Have For International Travelers

Traveling is one activity that every individual must undertake at one time or the other; it does not matter what the purpose of travel is, or whether the travel is local or international. A lot of people actually look forward to traveling to other parts of the world for various reasons and purposes, including but not limited to business, tourism, vacation, pilgrimage, education and for medical attention.

The euphoria to travel outside of one's domain usually comes with a lot of preparations, and more often than not, a great deal of resources are deployed to ensure that the travel is actually takes place; and these include acquisition of an international passport, medical tests (where applicable), expensive visa processing fees, flight booking and hotel reservation.

A lot of people will do anything and everything just to actualize their international travel ambition. And to be very candid here, international travel is actually fun and something to look forward to. Traveling, especially international travels, is a form of education for the travelers as they have an opportunity to see new environments, meet new people, and learn how things are done elsewhere.

International travel affords the traveller a lot of opportunities irrespective of their original purpose of travel. These include business opportunities, educational opportunities, employment opportunities and even maritime opportunities. Unfortunately, however, it is only these and many other opportunities that these (would-be) travelers see. They seem to be ignorant or care less about risks that are embedded in international travels, so they do not take any steps towards mitigating such risks.

At this joke, you may be tempted to ask the question: "What are those risks that are associated with international travels?" Very good question. Just read on, as most of those risks are discussed in the following paragraphs.

Risks Associated with International Travels

As interesting, fun, enjoyable, profitable and educated as international travels may be, they also come with their own downsides – the risks – just as every other thing in life. And very fortunately for travelers, most of these risks can be transferred to professional travel insurance providers, by way of buying a travel insurance – also referred to as "travel health insurance" or "travel medical insurance".

These international travel risks are many and varied, and they include, but not limited to:

  • Sudden illness in the country of destination requiring urgent medical attention and / or hospitalization.
  • Involvement in an accident leading to bodily injuries, temporary or permanent disability, or death
  • Loss of checked-in baggage
  • Loss of valuable items such as international passport, drivers' license, national identity card, etc.
  • Personal liabilities abroad
  • Emergency dental cases
  • Hijacking
  • Arrest by law enforcement agencies requiring sealing and legal defense

Another question that may be asked at this joke is: "Do travel insurance policies cover all the above-mentioned risks?" And the answer is a big YES, and so much more.

Covers and Benefits Provided by Major Travel Insurance Policies

Below is a list of most of the covers and benefits provided by travel insurance policies – depending on the providers. So the next time you buy a travel insurance policy, look out for these covers and benefits.

  • Medical Expenses and hospitalization abroad
  • Emergency Medical Evacuation
  • Repatriation after treatment
  • Emergency dental care
  • Repatriation of family member traveling with the insured
  • Travel of one Immediate Family Member
  • Emergency Return Home following Death of Close Relative
  • Repatriation of Mortal Remains
  • Medical Assistance
  • Legal Assistance
  • Pre-Departure Services
  • International General Assistance
  • Abroad Information Assistance about lost Luggage and Passport,
  • Delivery of Medicines
  • Legal Defense
  • Advance of Bail Bond
  • Hijacking in means of Public Transport
  • Loss of Passport, driving license, national identity card abroad
  • Compensation for in-flight loss of checked-in baggage
  • Compensation for delay in the arrival of luggage
  • Delayed Departure
  • Location and forwarding of baggage and personal effects.
  • Accidental Death
  • Permanent Disability
  • Personal Civil Liability
  • Trip Cancellation Expenses

Risks Not Covered By Travel Insurance Policies

Having talked about the covers and benefits afforded by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:

  • Participation in criminal acts, or as a result of his / her fraudulent, seriously negligent or reckless actions including those actions of the Insured in a state of derangement or under psychiatric treatment costs for which are themselves excluded;
  • Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any exceptional atmospheric, meteorological, seismic or geological phenomenon any other type of natural disaster;
  • Events arising from terrorism, mutiny or crow distortions;
  • Events or actions of the Armed Forces or Security Forces in peacetime;
  • Wars, with or without prior declaration, and any conflicts or international interventions using force or duress or military operations of whatever type.
  • Participation in bets, challenges or brawls, save in the case of legitimate immunity or necessity;
  • Pre-existing Illness or injuries
  • Participation in competitions, sports, and preparatory or training tests;
  • Motor racing or motorcycle racing, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous;
  • Participation in competitions or tournaments organized by sporting federations or similar organizations.
  • Hazardous winter and / or summer sports such as skiing and / or similar sports.
  • Work-related accidents
  • Internally and locally recognized epidemics.
  • Illnesses or injuries arising from chronic ailments or from those that exist prior to theception date of the policy;
  • Death or injuries as a result of suicide or attempted suicide or any self-infected injuries.
  • Illness, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines accepted without medical prescription, as well as any kind of mental illness or mental imbalance;
  • Illness or injuries caused by pregnancy and childbirth or any complication therefore or voluntary termination of pregnancy;

Where to Buy Travel Insurances

Travel insurances can be bought online – and there are many travel insurance providers to buy from. All you need to do is locate your preferred provider, and complete the online form or questionnaire, and make your payment, and policy is made available to you for immediate printing or sent to your email address.

You can also buy travel insurance offline from a local insurance company or travel agency. whatever method of purchase you choose, you can rest assured that you will be fully protected against insurable gravel insurance risks.

Using Your Travel Insurance

After you have bought your travel insurance policy, whether it is self-purchased using the provider's online portal, at a travel agency or through a local insurance company, you should make sure that you do not forget to take the document with you while traveling. This is so important because you may be required to produce that document by relevant bodies.

You should take particular note of your policy number (if possible copy the number somewhere else) as it will be required by the service providers to property identify you when you call them for assistance.

Another thing you should take note of on your travel insurance certificate or policy document is the Assistance Company's telephone numbers that you need to call when you need help. These numbers are always conspicuously written on the travel insurance document – so take note of them.

You should endeavor to read as much of the document as possible so as to understand the covers provided, the terms and conditions of the policy as well as its exclusions. And very importantly, when making a claim on your policy, be honest and avoid every form of fraudulent practices .

Summary and Conclusion

There are other benefits that travel insurance policies provide which can not be exhaustively discussed here. But having read the few benefits discussed above, you will agree that really, Travel Insurance is a must-have for a successful trip. So the next time you are planning an international travel, make the purchase of a travel insurance a top priority. It is quite affordable, and anyone can buy it. The peace of mind and the protection it will afford you are awesome.



Source by Anthony Ekanem