Which crypto currency to buy in 2019 and beyond

What are the crypto-currencies to follow closely?

Prospects for the future are therefore rather positive for the cryptocurrency market.

Bitcoin is the mainstay of the crypto-monetary movement. Leader of its market in value and notoriety, it is the locomotive of the sector. It continues to consolidate its value despite significant turmoil and is expected to continue to steady its uptrend.

To buy Bitcoin, our complete guide.

Ether has incredible abilities due to its own blockchain technology and will continue to grow. In the consequent increase in ICOs that we have seen, he has contributed to many of them by offering businesses the opportunity to use the Ethereum blockchain rather than having to create a new one.

To buy Ethereum, our complete guide.

The Ripple is the quiet force. A favorite of the traditional banking world, the banks gladly choose it for their interbank payments. Its current value is low, but according to the rules of finance, the lower the asset, the more accessible it is to investors of all kinds, and therefore the easier it will be to increase its value.

To buy Ripple, our complete guide.

What advice to secure your investments over the long term? If you want to buy cryptocurrency in the long term, the rule to follow is to choose the right trading platform to start so you can invest with confidence.

If the future of cryptocurrencies is not all traced, they nevertheless left to anchor in our society. As always, we will only advise you to be cautious. Choosing the right broker and not betting more than you would be willing to lose is also key. But beautiful hours and surprises are looming on the horizon, and confidence is good for the future of these new currency.

The future of crypto-currencies

Even though we are already in the middle of the year, 2020 seems to be on our doorstep. One wonders what future bridges crypto-currencies, these extremely volatile financial assets. What are the forecasts for 2020? What future can we foresee for this new financial system that covers all the chronicles? We will try in this article to enlighten you on the subject and bring you all the answers.

Cryptocurrency forecasts

This beginning of the year gave a good example of the unpredictability related to cryptocurrencies. If 2017 had been particularly exceptional, with record increases for the cryptocurrency market, has proved so far more unstable. This is due to external events, such as several hacks, which temporarily tense the market. The media phenomenon has indeed frozen the market and cooled investors, fortunately, for a short time. But these hacks are not the only factors in the decline experienced by virtual currencies. Indeed, another more natural phenomenon this time operated. There was indeed a so-called correction market reaction. When an excessive and rapid increase appears, a correction applies naturally. This decline still consolidates the crypto-currencies to significantly higher values. Currently, the price of Bitcoin (BTC) oscillates soar, the Ethereum price rises after a short decline and prices of Bitcoin Cash (BCH) stabilizes.

Which to Buy Cryptocurrency

In this context, it seems complex to be able to determine a future all traced for virtual currencies. Nevertheless, despite their volatility, many industry experts are certain that the value of cryto-currencies will continue to increase and that these will settle in our daily lives in a sustainable manner. If you wish you can consult our guide on how to buy crypto-currencies

Cryptocurrencies: a local and global economic challenge Since 2017, governments around the world have been wondering about cryptocurrencies. During the last G20, it was also a question of deciding on a regulation for a framing of cryptocurrencies. As the subject is complex to say the least, no decision has yet been taken. Nevertheless, some countries have not been asked to do their part. This is particularly the case of France, Canada or Belgium, which tax capital gains realized through their respective income taxes. Others, like Switzerland, have ruled on a tax on profits made without really fixing any specific tax rate. But that's not all. Other countries have clearly mentioned the possibility of creating their own cryptocurrency. Iran has indeed announced in 2018 its desire to create its own national cryptocurrency. China did the same last March with the announcement of the creation of the DCEP which would benefit from its own blockchain. Note that Japan had already given a Bitcoin legal tender in the country in 2017.

A professionalization of the cryptocurrency sector If 2017 and 2018 was a good year for the crypto-currencies, it was also the year of the ICOs. In fact, more than 200 fundraisers were identified last year. And this is not without consequences. These financial operations naturally attract more and more seasoned investors with much larger resources. Result? In the first half of 2018, the volume of ICOs has already supplanted 2017. This bodes crypto-currencies for a rather long-term future, since the imbalance between supply and demand continues to increase, very strongly ensuring a continuation of their values.

Prediction of cryptocurrencies

At the moment, we were just talking about a professionalization of the sector and that is where the future developments of cryptocurrencies are going to be. When we know that less than 1 in 100 people have already invested in cryptocurrencies on a global scale and that, according to studies of those who have already invested, they do not necessarily represent the wealthiest, future prospects are therefore well and truly elsewhere.

Many experts believe that an increase will still occur this year. And it will certainly come from large companies as well as investment funds still shy so far and who will invest significantly in virtual markets. At the individual level, by analyzing the statistics, by 2020, no less than 3 out of 100 people should have joined the cryptocurrencies.

How to monetize wepals.net

Wepals.net is so easy to use to make money online, not using it means losing income. Especially now, as Wepals offer a founder's position with great advantages.

You probably already use social media, but what if you could get paid to do it?

That is exactly what wepals.net is all about.

With wepals.net all you have to do is sign up and invite friends just like in any other social network then simply use it to chat or share.

Wepals.net gives back 90% of its income to the users, 10% per levels on 9 levels. Yes it is multi level marketing, but MLM is the only natural means of growing a business.

If you open a store at the corner of the street and never tell anyone, you will get people entering your store, then they will tell others etc.

Wepals is a social media, so you can also use it to promote anything you want, any other affiliate product or service, spread ideas etc.

Wepals.nt makes money by selling advertising.

Imagine if you were there at the very beginning of facebook and getting paid 10% on 9 levels on each sale they made from selling ads to people and corporations under you. Today, you would be billionaire.

Have a look at the website https://wepals.net and signup today.

How to find a good offshore bank account

How to find a good offshore bank account

Many publications on the web or in the press extol the advantages of opening a bank account abroad, that is to say in an offshore bank. Given the specifics of the operation, several questions may come to mind.   Why is the subject becoming more and more popular? Is opening an offshore bank account legal? What is the connection between offshore and offshore? How to find tax havens for offshore assembly?

Before going any further, ie opening an account abroad, these questions deserve the appropriate answers.

Offshore is a word of British origin. It means "off the coast". In this sense, an offshore bank account refers to an account in a bank located outside the country of residence of the holder.

This is often a non-resident account domiciled in a tax haven.

Compared to a typical bank account in your country of residence, this type of bank account has many tax and legal benefits.

Current account: bank account intended for the realization of regular operations.

Resident account: in a context where the account belonging to an offshore company is domiciled in the country of establishment of the company. The holder must be a non-resident.

Account created for the purpose of performing live stock trading.

Deposit account open to allow savings to grow.

Offshore bank account: for whom?

The existence of an offshore bank is completely legal. This is a bank doing the same activities as you know. Which means that there is nothing wrong with wanting to open an offshore account.

This is not a means to launder mafia money. Nevertheless, malicious people sometimes use this type of account illegally.

You do not have to be wealthy to open an offshore bank account. Indeed, this alternative is accessible to the general public.

The conditions to create an offshore account are: to possess a piece of identity, to provide some proof of residence and to make a first payment of about 1000 euros. The process of opening an account abroad is not complicated.

A large number of companies and individuals already have offshore accounts. Preparing for a departure abroad and retirement can motivate you to open an offshore bank account.

There are regulations to respect to have an offshore bank account. Indeed, it is essential to remain in the legality.

Thus, for any person residing in France, the statement of account to the French tax authorities (1) is mandatory. Failure to comply with this rule results in the application of a fine of more than 750 euros.

For an undisclosed account that is domiciled in an offshore bank located in a jurisdiction that does not have the same regulations as those applied by the French tax authorities, the fine may be up to 10,000 euros.

Open an offshore bank account: what benefits do you expect?

Investor or entrepreneur, you can open an offshore account and enjoy its many benefits.

If you want to create an offshore company, an adapted account will help you to better manage your activities abroad.

Some people choose to open an offshore account to benefit from a tax significantly more advantageous than in his country and not be subject to too much tax.

In some tax havens, you will not even be able to pay any taxes.

For different reasons, without being a bad person, you are a banking ban in your country? An offshore bank account is an interesting solution to work around this problem. It allows you to exercise your activities without constraints. You continue to be able to freely manage your money.

In addition, investors are interested in obtaining better investment rates compared to the profits that could be generated by investments made in France. The protection of wealth and succession is one of the advantages of an offshore account.

Individuals residing in a country where legal and political instability reign are geared towards opening an offshore bank account. Indeed, the security of their assets is not assured in their place of residence. With an account abroad, they can be more confident knowing that their money is safe. They will also be able to avoid the crisis and its economic consequences.

In your country, you no longer enjoy banking secrecy? You should know that in an offshore bank, discretion is 100% guaranteed, provided you have chosen a jurisdiction that ensures the preservation of banking secrecy.

The choice of jurisdiction is of great importance because the aim is to find a territory where the regulation applied in the sector concerned is more flexible. It should be noted that even in EU countries, opening an account in the name of an offshore company is the best way to guarantee anonymity.

An offshore bank account is also popular for the simplicity of the associated procedures, its often reduced fees, access to an offshore bank card and accessibility to loans with competitive rates. Indeed, like the opening of an account, all the banking operations are carried out without complications.

The low tariff is explained by the absence or weak control of the government, but also by the lower general costs than in some countries.

Open an offshore bank account: how to proceed

In the European Union, the legal opening of an offshore account is authorized to any citizen, on behalf of an association, an offshore company or on behalf of a natural person, since the year 1990.

In France, you must declare the existence of your account to the IFCS.

By choosing an offshore bank online, you have the option to open an account remotely. It is sufficient to provide the requested documents (ID + proof of residence) and make a first payment. The minimum amount of the latter varies from one bank to another. In general, the amount is set around 1000 euros.

Politicians, great entrepreneurs or celebrities can opt for opening an offshore bank account at a high-end establishment. These sometimes require a few hundred euros as down payment.

Some banks require a meeting with the account holder. In this case, you must be willing to travel to open your account abroad.

With regard to legal persons (association or offshore company), the offshore bank online can request a business plan.

Depending on the profile of the account holder and the banking institution he / she has chosen, opening an offshore bank account may take up to 2 days to a week.

To open your account abroad, you can go through an offshore provider. The latter is a professional who knows the principles of offshore accounts. He is able to represent you and guarantee your abilities, so that you no longer have the obligation to move. By seeking the services of an offshore provider, you will benefit from reduced rates.

Once your account is open, you can have your offshore bank card.

Open an offshore account: in which bank do it? If creating an offshore bank account offers multiple benefits, identifying the best tax havens is essential.

For greater profits and serenity, countries that lack political stability should be avoided. Finding out about each potentially interesting jurisdiction becomes relevant.

offshore-bank

Among the best options in terms of tax havens, note:

The Bahamas: in the Caribbean, this country is one of the richest. Its economic and political stability, with its attractive taxation, is one of its considerable assets. It puts at your disposal more than 250 banking institutions. Bank secrecy is also well guarded. However, expect larger agency fees. An estimated capital of $ 50,000 is required for companies wishing to open a bank account in the Bahamas.

Belize: In terms of accessibility, Belize offers more flexibility compared to the Bahamas. Taxation is one of the things that makes this country attractive. The first payment required by Belize banks ranges from $ 1,000 to $ 3,000. Despite higher bank management fees, you still have to take advantage of the offshore assembly facility in Belize.

The Cayman Islands: the largest offshore banking center internationally, they have a number of banks over 280. You have no fear of political stability, because the Cayman Islands depends on the United Kingdom . There is no tax to pay apart from the customs and stamp duty.

Luxembourg: an option to consider, given its good reputation. Discretion and security will be guaranteed. Banks in this country provide you with the financial expertise and advice of qualified professionals.

Panama: is characterized by very liberal legislation. The discretion is total, there is no exchange control. More than 100 banks await you with quality services.

Other: Other equally interesting alternatives exist: Guernsey, Hong Kong, Jersey, Liechtenstein, Monaco, Seychelles, Singapore, etc.

How to make money on social networks

How to make money on social networks

Of the 7.357 billion people in the world, there are more than 3.715 billion Internet users and of these 3.715 billion Internet users, 2.206 billion use social networks every month.

With regard to the hexagon the number of Internet users in 2016 amounted to more than 55.4 million and more than 31 million active users on Facebook.

Some tips for successful monetization.

Write content

For starters, take the example of the world's most famous social network "Facebook", but these tips can be used on other social networks.

Create a page to talk about a topic that you are passionate about and that can interest a lot of people (to attract the most "Fans" and "Likes").

Make a presentation and attractive visuals (a page with eye-catching visuals and good presentation earns 30% more fans than others).

Some simple rules to attract readers:

Provide good regular content.

The goal of sharing articles or videos via social networks is to make readers want to buy your products, services or follow you.

For this, we must offer them rich content, varied and free, quality, post links, images and interesting updates regularly.

Be very active.

Occupy the market. To make money on Facebook, what is important are the numbers, more than anything else.

Since marketing on Facebook costs nothing but time!

Have the most fans

Add as many people as you can and ask your loved ones to do the same.

People, in general, start giving credit to a page from 10,000 fans, so the more you get, the more you will succeed in monetizing your page.

Share the link of your page on Facebook groups or forums and like pages dealing with similar topics, participate in the discussions on topics related to your theme.

How to turn your page into real money?

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Affiliate

  • Make money with affiliate advertising

An affiliate program pays you a certain percentage for each sale made after a click on your link.

Several sites offer affiliations programs (amazon, itunes, dropbox, etc.), they give you a unique code and marketing material, then pay you a commission based on the income you generate.

On average, the remuneration varies between 20 and 40% on the generated income, so do not hesitate to register on several programs at the same time.

- Have referrals

If your page is very popular and your posts federate many thousands of fans, you can offer companies to sponsor some of your posts that are in their interest.

You will be able to negotiate between 50 € and 200 € per post, according to the number, the engagement of fans and the popularity of your page.

- Sell services or products on Facebook

You can, thanks to Facebook, offer products for sale, a very good solution to earn money. You will be able to sell digital products, clothes, "trainings" or coaching.

The most important thing is to offer products that are found nowhere else or very little, not too expensive products.

Some Facebookers win from their shop on social networks, between 400 € and 800 €.

- Propose ebooks on your page

Some people are good at writing stories, tips, or suggesting ideas on a variety of topics. If you are interested in a subject, you can create ebooks, they are books on the internet.

For example, create an ebook on the best method to relax or how to change your look, that you propose to 5 €. This can be a significant source of income if you have many thousands of fans.

Social networks have become a real source of business that can make you earn money, you just have to understand the workings and apply good practices.

Convinced? So, get started! Good luck !

What is Forex

The Forex (foreign exchange market) is the market on which the so-called convertible currencies (currency pair) are exchanged against each other at exchange rates that vary constantly. We can not exchange currencies but we buy a digital currency eur-usd that must then resell in euros. No conversion possible from the euro to the dollar. Forex is designed to bet the rise or fall of one currency against another.

Economic importance

This market, global by nature, is the second largest financial market in the world in terms of volume, behind that of interest rates. It is nevertheless the most concentrated and the first for the liquidity of the most traded products, like the euro / dollar pair: the average daily volume of trade was 5 100 billion US dollars in 2016, a 6% decrease in the volume compared to 20131. All figures that follow are also derived from the triennial survey conducted on the foreign exchange market by the Bank for International Settlements (BIS):

This average volume breaks down as follows:

  • $ 2,460 billion in swaps;
  • $ 1,652 billion in cash transactions;
  • 954 billion in futures, options and other financial products.

Volume transactions were:

  • 51% between financial institutions other than brokerage firms;
  • 42% between a bank and a brokerage firm; and finally for 7% between a bank and a non-financial entity such as a company or a government.

To ensure coverage of their customers, 24 hours a day, each major bank has a trading room on three continents. A team located in Asia or Australia succeeds another located in Europe and finally a third located in North America. Thus, the foreign exchange market is open from 10pm GMT on Sunday, at the opening of the Sydney session, at 10pm GMT on Friday at the close of the New York 2 meeting.

Nevertheless, despite this global nature and time spread between continents, a significant portion of market activity remains physically located in London.

According to the latest BIS report in 2016, foreign exchange trading has increased by 54% since 2007 to reach $ 5.1 trillion. The United Kingdom and the United States remain at the forefront of trade, with 36.9% market share for London and 19.5% for the United States in 2016. France is far behind with only 2 , 8% of world trade, against 3% in 2010.

The US Dollar remains the most traded currency, being present in 87.6% of transactions in 2016 compared to 87% in 2013. The Euro concerns 31.3% of transactions against 33.4% in 2013 and the Yen's share also fell from 23.1 to 21.6% from 2013 to 2016. In exchange, the share of emerging market currencies increased from 18.8% to 21.2% and that of the British Pound from 11.8% to 12.8%. % over the same period, again according to BIS figures.

This opens a chapter on Forex trading on which we will update regularly, give you excellent advices, brokers, strategies, softwares etc.

Stay with us.

What is structured settlement

Structured Settlements

A structured settlement is a regular stream of payments granted to the plaintiff in a civil lawsuit. Structured settlements guarantee lifetime income for the injured party.

What Is a Structured Settlement

Structured settlements are simple. Many lawsuits result in someone or some company paying money to another to right a wrong. Those responsible for the wrong may agree to the settlement on their own, or they may be forced to pay the money when they lose the case in court.

If the amount of money is small enough, the wronged party may have the option to receive a lump sum settlement. For larger sums, however, a structured settlement annuity may be arranged.

In this case, the at-fault party puts the money toward an annuity, which is a financial product that guarantees regular payments over time from an insurance company.

The agreement details the series of payments the person who was wronged will receive as compensation for the harm done to them. Spreading the money over a longer period of time offers a better future guarantee of financial security because a single payout can be spent quickly.

Structured settlements gained popularity in the 1980s after the U.S. Congress passed the Periodic Payment Settlement Act. According to the National Structured Settlements Trade Association, almost $6 billion in new structured settlements are issued annually.

How Do Structured Settlements Work? A structured settlement pays out money owed from a legal settlement through periodic payments in the form of a financial product known as an annuity. However, many legal settlements offer a lump-sum payment option, which provides a one-time sum of money. The key differences between both annuity settlement options are the long-term security and the taxes. For example, money received from a personal injury case is almost always tax free when you receive it. However, once the money is yours, you’re liable for taxes and dividends from the lump sum.

There are a number of reasons why an individual may receive a structured settlement.

The most common cases are:

Personal Injury

A personal injury case is a civil case where someone who’s been harmed files a lawsuit seeking money from the person believed responsible for the harm. Money in the form of a structured settlement helps recipient pay for medical expenses or other costs.

Workers’ Compensation

Most people know about workers’ compensation, which pays workers who get injured on the job while they recover. Payments can be used for medical treatment and wage replacement during periods when injured employees are unable to work and other expenses.

Medical Malpractice

In some unfortunate cases, doctors can do more harm than good. In this instance, injured patients or the families of deceased patients can sue for medical malpractice.

Wrongful Death

A structured settlement is also a common way to compensate family members who claim loved ones were victims of wrongful deaths. Families may be entitled to receive a stream of tax-free payments, to replace income after a loved one’s death.

Structured settlements — or structured annuities — are both financial products and legal judgments. While they function somewhat like private assets, they are also subject to complex regulations.

Learn about the process of being awarded a structured settlement annuity as well as the legal protections and advantages on the following pages:

Structured Settlement Payout Options

Compare and contrast the different ways to accept a cash settlement from a lawsuit.

Government Support for Structured Settlements

Learn about how the government uses the tax code to promote their use.

Structured Settlements for Minors

Read about why this type of settlement is typically used in cases involving children.

Payout Options for Structured Settlements

If you elect to receive your lawsuit payout through a structured settlement, you can determine whether to begin to receive the funds immediately or at a later date. Immediate payments can be beneficial if you require medical care, for example, or have lost your source of income. You may decide to postpone the payments until a later time, such as after you retire. During the waiting period, the annuity will grow as it earns interest.

You can also determine whether the annuity should be paid for the rest of your life, no matter how long that may be, or for a specified number of years.

You can also determine when you set up the annuity the schedule for receiving payments and whether the payments should go up or down over time.

Structured Settlement Pros and Cons

Structured annuities are ideally suited for many different types of cases. For additional information on how work, payout options, or how to access your cash ahead of the annuity contract schedule, the Structured Settlements FAQs page can be a beneficial resource.

These scheduled payments offer a number of advantages. When deciding on any financial investment, it is important to understand the benefits along with the risks.

Pros of Structured Settlements

Payments are tax-free. In the event of the recipient’s death, the heir can continue to receive tax-free payments. Payments can be scheduled for almost any length of time and can begin immediately or be deferred for as many years as requested. They can include future lump-sum payouts or benefit increases.

Spreading out payments over time can reduce the temptation to make large, extravagant purchases and guarantees future income. This is especially helpful if the recipient has a medical condition that will require long-term care.

Unlike stocks, bonds and mutual funds, structured settlements do not fluctuate with market changes. Payments are guaranteed by the insurance company that issued the annuity.

A structured settlement often yields, in total, more than a lump-sum payout would because of the interest your annuity may earn over time.

Cons of Structured Settlements

Once terms are finalized, there’s little you can do to alter them if they do not meet your needs. You cannot renegotiate the terms if your financial situation or the overall economy changes.

Funds are not immediately accessible in case of an emergency, and the recipient cannot place a lump-sum payout in other investments that carry higher rates of return.

Tapping into your structured settlement without selling payments will cost you money. You will pay surrender charges and IRS penalties if you withdraw funds before age 59½.

Some parts of a settlement, such as attorney’s fees and punitive damages, can be taxed.

Not all states require insurance companies to disclose their costs to establish a structured settlement or lump-sum annuity. Without this information, a recipient could lose a significant amount of money through administrative fees.

Options for Annuity Owners to Sell Payments

You should carefully consider the terms of your annuity because they can’t be renegotiated after the contract has been issued. That can limit your options if your financial situation changes due unemployment, illnesses or other setbacks.

However, annuity owners may have the option to get cash in advance of their contract schedules. Owners may sell some or all payments to structured settlement buyers. Some buyers may inaccurately refer to these sales as “structured settlement loans.” In reality, they are actually purchasing your settlement, which will effectively halt your regular payments. Such sales must be approved by a judge. The role of the judge is to decide if the sale is in the best interest of the annuity owner.

Other rules may apply depending on the details of your annuity contract and the laws of the state where you live. The Structured Settlement Protection Act of 2002 provides federal guidelines on such transactions.

Annuity owners should carefully consider their options before selling payments. You can learn more at Selling Structured Settlement Payments.

Topics include: The secondary annuity market Key considerations and requirements Selling payments for minors

How to find the best car insurance

Finding the best car insurance is not necessarily subscribing to the cheapest. The notion of price is relative.

Insurance at a very low rate may not have the necessary guarantees for your profile. In the event of an accident or loss, the costs incurred not supported can be more expensive than expected! It is then necessary to target your needs to find the best insurance.

Choosing the best auto insurance, the three points to remember:

  The best car insurance is not always the cheapest, it is the one that best fits your needs.

  Your profile and the type of car you want to insure are key to finding the best auto insurance.

  It is essential to compare offers regularly to subscribe to a contract at the best value for money.

The best auto insurance: identify your needs for a contract to your image To find the best auto insurance, you need to know what guarantees and what levels of protection you need. To define your expectations, you must first analyze your overall automotive context.

Analyze your needs: the essential points to choose the best car insurance Your profile and that of your vehicle are essential to find the best suitable auto insurance policy.

The criteria that count:

Your conductive profile

The guarantees that you will subscribe will depend on your profile: each type of driver to his specificities.

Young drivers are considered "at risk" by insurers. Their premiums rise by up to 100% compared to a conventional contract. To find the best car insurance for young people, some tips:

- Make yourself a secondary driver, - Buy a used car, not very powerful preferably, - Increase the amount of your deductible

How is car price insurance determined

How is car price insurance determined

Calculating your car insurance premium Have you ever wondered why you do not pay the same car insurance premium as your neighbor or office colleague who has the same car as you?

Here are the criteria that influence your insurance premium.

Your age and your sex

If you belong to a segment of the population that makes more claims, this will be reflected in the cost of your insurance.

Your driving record and the use of your vehicle Your insurance premium may be lower if:

You have a driver's license for several years; You did not commit traffic offenses; You have not had an accident for which you were responsible or not; You travel a short distance with your vehicle; You do not use your vehicle for your work (for example, to visit customers). The place where you live You are more likely to have your car stolen in certain neighborhoods or regions. The premium is therefore higher or lower depending on where you live.

Your vehicle type

The premium will be higher or lower depending on your vehicle (the make, model, year of manufacture, value, engine power, the cost of replacement parts and even the number of doors).

The protections you want

Depending on the protections offered, the premium will be higher or lower. For example, if you are covered solely for civil liability, you will pay less for your insurance than if you are covered for civil liability and damage to your vehicle.

Franchise

The deductible is the amount that the insurer does not pay. For example, if you have a $ 500 deductible and your accident costs $ 2,000 in fees, the insurer only pays $ 1,500. The higher the deductible, the more economical your insurance premium will be.

Your credit report

Some insurers believe that a person with a good credit record is more likely to properly maintain their vehicle and drive safely. They grant a discount depending on the client's financial situation. The better your financial situation, the more important your discount will be.

Additional discounts

For example, your insurer may offer you a discount if: You take your car and home insurance with him; You insure two vehicles at the same time; Your car is equipped with an anti-theft system; You have lived in the same place for several years; Your vehicle is hybrid (it runs on electricity and gas); You use his website.

World Wealth Distribution

World Wealth Distribution

More than 80% of the world's wealth goes to the richest 1%

According to the British non-governmental organization Oxfam, which publishes its annual report on the eve of the opening of the Davos economic forum, inequalities have widened further in 2017.

Global growth continues to benefit the wealthiest, warns Oxfam, who says wealth disparities have continued to widen in 2017. In its annual report "Rewarding Work, Not Wealth" and published this Monday, on the eve of the opening of the World Economic Forum (WEF) the British non-governmental organization launches, as last year, an appeal to the leaders of Davos who find themselves until Saturday in the chic resort of the Swiss Alps so that "the economy works for all and not just for a rich minority ".

Poorer but poorer rich people too

Last year, 82% of the world's wealth was found in the pockets of the world's richest 1% of the population, while the poorest half of humanity (3.7 billion people) has not received anything, says the organization that relies on various data (Forbes, Credit Suisse, World Bank, ILO ...) and on its own field surveys.

If the number of people living in extreme poverty has been halved in 20 years (between 1990 and 2010), and "continues to decline since then", wealth inequalities are nevertheless ever more striking and tend to increase, she continues. "Over the last ten years, ordinary workers have seen their incomes rise by an average of 2 per cent a year, while billionaires' wealth has increased by 13 per cent a year, almost six times faster," Oxfam said. "The number of billionaires last year saw its largest rise in history, with a new billionaire every other day" adds the association, for which this "billionaire boom is not the sign of a prosperous economy, but a symptom of the failure of the economic system. "

Women workers down the pyramid

According to this study, it is women who are most affected by global inequalities. Women workers are "at the bottom of the pyramid": they earn less than men and generally have less paid and more precarious forms of work, Oxfam denounces. The World Economic Forum has recently estimated that it would be 217 years before women earn as much as men and have equal representation in the workplace.

Similarly, out of 10 new billionaires, 9 are men, "says the NGO. According to the rich list of Forbes 2017, the five richest people on the planet are also men: Bill Gates of Microsoft, businessman Warren Buffett, Jeff Bezos, the boss of Amazon, Amancio Ortega, the founder of Inditex, and Mark Zuckerberg, the creator of Facebook.

Fight against tax evasion

For a more equitable distribution of wealth, Oxfam advocates for a living wage for all workers, for the elimination of the wage gap between men and women and for stricter rules to crack down on tax evasion which, according to NGO, represents a shortfall of at least $ 170 billion each year "for developing countries.

In the absence of any reaction from the Davos leaders, this question of inequalities of wealth seems in any case to meet a favorable echo in public opinion. According to a survey conducted for Oxfam with 70,000 people in 10 countries (India, Nigeria, United States, United Kingdom, Mexico, South Africa, Spain, Morocco, the Netherlands and Denmark), two-thirds of respondents consider it "urgent" to deal with : The gap between rich and poors.