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In recent years, Exchange Traded Funds (ETFs) have been growing in popularity when building an investment portfolio. You can buy them from any discount broker, they have no minimum purchase amounts, and offer lower expense ratios than their mutual fund equivalents. Here are some . On a case-by-case basis, Ive been switching over some of my holdings from mutual funds to ETFs. But a practical question arises Do you buy them with market orders or limit orders? This is in the context of buying and holding ETFs for a certain asset allocation, not for active traders.

Briefly, a is a request to buy an ETF at the best price available at that instant that someone else is selling it for. It will usually execute virtually instantaneously. On the other hand, a is an order to buy a specific price or lower. If you cant get that price, it will not execute.

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29
Aug

5 silly life insurance mistakes

Dont get caught out by this silly mistakes.

Life insurance is a crucial financial product for many of us, yet we are still liable to make daft mistakes when arranging our cover. Here are five particularly silly mistakes we should all endeavour to avoid.

Money is seriously tight for many of us at the moment. According to the financial information firm Markit, 40% of households saw their finances deteriorate between July and August, and with the cost of living likely to continue to rise, every penny counts.

As a result, it can be tempting to ditch your life insurance policy, to save a few quid every month.

Of course, not everyone needs life cover anyway. If no-one will lose out financially as a result of your passing, then life insurance is unnecessary. However, if you have a partner or kids who will miss out as a result of your monthly salary disappearing, then it’s not just important, it’s essential to have life cover! Rea

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Now that Hurricane Irene has done its worst, thousands of homeowners are expected to begin filing billions of dollars in insurance claims — a process that’s lately become more complicated and costly.

In recent years, insurance companies have started to pass more of the financial burdens of natural disasters to policyholders. Many insurers now require mandatory hurricane deductibles in coastal areas; some have raised those deductibles from 1% or 2% to as high as 5%, raising out-of-pocket costs for policyholders. Meanwhile, many homeowners are discovering that even with these deductibles, their policies may not cover all the damage caused by a hurricane or tropical storm. “Families will have to dig deeper into their pockets,” says J. Robert Hunter, director of insurance for the Consumer Federation of America.

These developments can make an already difficult situation tougher.

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