You Need Ample Forex Education In Order To Succeed In The Highly Lucrative Forex Trading Business

While the FX trading market is open to anyone, it is not advisable to participate in making trades until you fully understand what forex trading is, and how it works. Forex education is a must, and there are several ways in which you can get it.

One of the easiest ways to get a forex education is by searching for information online. There are hundreds, if not thousands of websites that are related to this topic. Since this market is the largest in the world, there are plenty of people that have something to say about it. A quick internet search will turn up plenty of free information that you can use to learn about the market, peak trading periods, and strategies.

There is one downside to obtaining your forex education information for free. That would be that there is no way to know if what you are reading is accurate. Anyone can put up a website, and say whatever they would like to on it. This leaves the web open to anyone with an opinion posting whatever they would like about the market. While most people are not looking to purposely steer you in the wrong direction, it very well could be that they simply are not very educated on the topic themselves.

The better way to go would be to enroll in a forex education class. This will cost some money, but it is far better to be educated by an expert in the field, instead of just anyone. These classes can be completed online, and cover every aspect of forex trading. They are designed by experts to be easy to understand, while covering every aspect of the market.

These classes are open to anyone that wants to learn about FX trading. Most of the work can be completed without help, but should you require assistance, there are people available to answer any of your questions. If there is something you do not understand, do not hesitate to get it cleared up. The worst thing you can do is not fully take advantage of this learning time.

It is vital that you learn as much as possible about the market before investing your hard earned money. Even if you have already begun trading, you can still benefit greatly by learning everything possible. Knowledge really is power, and this type of knowledge will likely result in larger profits for you.

Two Public Speaking Models for Marketers – Educating Vs Selling From the Stage

You may have heard that speaking – on stage, in teleseminars, via webinars – is a terrific way to build your list and get those in your target market excited about doing business with you. What you probably have not heard is that there are two vastly different paradigms for using speaking to generate leads and grow your customer base.

Depending on your goals and your vision of how you prefer to relate to clients, you’ll surely gravitate to one model or the other. This is important, because mixing elements from the two models leads to frustration and confusion, both on your part and among your audience. Once you understand your preferences, you’ll know which marketers to emulate and which to ignore – and why. And because you’ll be more consistent in how you speak, you’ll see results from your speaking efforts gradually improving.

Model #1: Speaking to Sell

Here the overall goal is to maximize sales to those in the audience, both now and in the future. Whatever accomplishes that goal is considered appropriate. Any education that comes about through the event is incidental and not a high priority.

Model #2: Speaking to Educate

Here the overall goal is to provide a service to the audience by informing them about a topic area. Those who find this education helpful are invited in a low-key way to become clients, either by simply signing on to a list where they will be further educated and sold to over time, by contacting the speaker after the talk or by making a small introductory purchase now. In this model, selling takes place but it is essential for each educational event to be complete and self-contained rather than a come-on for something else.

Advice from proponents of Model #1:

* Speak fast, which creates an environment conducive to buying. It doesn’t matter whether or not the audience can follow.

* Tell your personal story so the audience will feel comfortable buying from you.

* Include testimonials and success stories, which prime people to buy.

* Ignore program evaluations. All that counts is how much you sold from each event.

* Provide an order form, not handouts.

* If using informative slides, keep them up only for a short time. Their function is to serve as teasers for a paid product, not to teach anything.

* Don’t charge a speaking fee. Your compensation is your sales. It’s customary to split event sales 50/50 with the sponsor of the event.

* End with an explicit offer and tell the audience where to go immediately with their credit card or cash in hand.

Advice from proponents of Model #2:

* Master the art of speaking, so listeners have the best possible educational experience when in your audience.

* Have someone else introduce you so you can concentrate on subject matter during your talk. Stay away from personal anecdotes unless they drive home an educational point.

* Include examples only to the extent that they make your educational points more vivid.

* Always scrutinize program evaluations for ways you can improve.

* Provide handouts that include your short bio and where audience members can learn more from you.

* When using slides, orchestrate them so participants can absorb the information more easily.

* If an audience includes perfect prospects, you may agree to speak for free, but given the valuable educational information you provide, speaking fees are welcome and appropriate. Sales at or immediately after an event are a nice bonus, not the main goal. Event sponsors do not receive a cut of sales.

* Conclude with a strong close that reinforces the overall theme of your talk and the audience’s perception of you as the expert.

Both of these models can build a large, thriving business. Sticking to the model is important so that those in the audience receive consistent signals and know what to expect from you in the future. My own passionate preference is for Model #2 because I find it more respectful of audiences and it better fits my values and personality. When I encounter gurus using Model #1, I can’t stand to follow them for long because I come to feel all they care about is money. Your preference may be the opposite!

Insurance Continuing Education – Information on Annuity Benefits


An Annuity Certain specifies the number of benefits payments of a set amount. This option will guarantee a minimum amount that the insurance company will pay on an annuity. The annuity has a Death Benefit that provides for payment to be made to the designated beneficiary upon the annuitant’s death and will continue as long as the beneficiary lives. In effect, this annuity says that it will pay the benefits remaining of the period certain to the beneficiary. However, if the annuitant should survive the period certain, then the annuity performs as a Life Annuity.


Cecil dies 3 years after taking out an Annuity with a 5-year period certain. The Annuity Company will continue to make payments to his beneficiary for next two years. Insurance companies usually pay the present value of the remaining payments in a lump sum, so Cecil’s beneficiary will receive 2 annual payments.

If Cecil had survived the first five years of annuitization (liquidation period), the annuity would have continued to be paid out in the normal manner, ceasing upon the annuitant’s death.

“A Life Annuity Certain is an annuity that … guarantees a given number of income payments whether or not the annuitant is alive to receive them. If the annuitant is living after the guaranteed number of payments has been made, the income continues for life. If the annuitant dies within the guarantee period, the balance is paid to a beneficiary. For example, under one common contract, a life annuity certain for 10 years, income payments are guaranteed for a minimum of 10 years. If the annuitant dies after receiving two years of payments, the beneficiary would receive the remaining eight years of income. An annuitant who lives out the 10 years would receive income payments for life, but there would be none available to a beneficiary.”


This is the most common type of annuity. The simple “Straight Life Annuity” provides for guaranteed periodic payments that terminate upon the death of the annuitant. Once the annuitant dies, the contract is fulfilled and no payments are made. This type of annuity does not guarantee that the annuitant will receive payments equal to the amount paid as premiums on the contract. If the annuitant lives a long time, they will recover more than all of the premiums they have paid; if they die soon after annuitization, the insurance company will only pay the benefits up until the time of death.

In the event the annuitant dies during the accumulation period (i.e. the time that payments are being made on the annuity, but prior to annuitization) proceeds will revert to the beneficiary, or if none is named, to the estate. Because this limits potential payouts, it will provide a higher return than other plans.

The Straight Life Annuity provides the maximum income per dollar of outlay.


The Life Income with Period Certain guarantees that annuity payments to a beneficiary will be made for a specific number of years, even if the annuitant dies before the end of this period. Payments to the annuitant will continue as long as he or she lives.


The Life Income with Refund type of Annuity states that in event of the annuitant’s death, the company will pay an amount at least equal to the total dollars paid in as premiums. The company will continue to pay the guaranteed amount of monthly income for as long as the annuitant lives.

There are two types of this annuity:

Cash Refund: The Company agrees that if the annuitant dies, it will refund in cash the difference between the income that annuitant received and the amount that was paid in premiums plus interest earned.

Installment Refund: The Company agrees to continue to make payments to the beneficiary until the total of the payments made to the annuitant and to the beneficiary equals the amount the owner paid for the annuity plus the interest earned. The longer the payout is to continue after the annuitant’s death, the smaller will be the periodic payments.

Annuities with refund options pay annuitants lower amounts of income than do comparable contracts without them. The refund option represents an extra benefit for the contract owner and an extra cost for the company.


The Temporary Life Annuity is a “combination” plan. Annuity payments will be made until either (a) the end of a pre-determined number of years, or (b) until the death of the annuitant, whichever comes first.