DosClub

Death Certificates record how, why and where a person died and from what cause.  There is some variance by state law as to the exact contents and format but most of them look pretty similar – at least in terms of what is in them.   If you are trying to find a person, this can be valuable data.

Death Certificates provide a wealth of information about not only the death of an individual but complimentary information – such as parents names – that can be of great value in corroborating other search results.

All States and Counties have rules that govern the use and access to death records. While there are a host of online services that promise to provide this information, many of them are unethical – at least – in that they promise free or easy-access but in reality they charge a hefty fee.

For example, a website that offers free death records may perform a small, initial search that locates the individual in question (this simplified search is easy to complete). Then, once the deceased individual is located, the website then takes you to a new website that asks you to pay for the service of finding a death record. Often times, these misleading websites charge more than other death records websites.  You are therefore well advised to use the services of a reputable people finder site.

In the final analysis every site that provides access to this type of data will usually charge a small fee.   This fee generally covers the administrative costs of searching for and printing death records.  So, therefore, a paid site that offers a free service cannot actually provide one since someone must ultimately pay the agency fee.

If the site claims to provide a free service for obviously fee-based access from vital records agencies, then they must ultimately charge you a fee themselves.  Most people, therefore, utilize the services of a reputable people finder service for this kind of data retrieval.   For many of these ‘free’ sites you may even need to do an address search first.

There are reputable resources online that can help you locate these kinds of records but many of them cannot actually get you a hardcopy of the data.   Archives.com, for example, is a powerful, comprehensive resource that can connect you with the right records.   This is a paid service but they have a 7-day trial that normally will convince you that their membership fee is worthwhile.  

Your genealogy search has never been easier using the power of the Internet.  Websites such as Archives.com are there to make the searching process easier, saving you time and effort.   The excitement of the Internet and the many conveniences that come along with it have empowered many individuals to find loved ones and ancestors – all with the click of a button.

Know your 401K contribution limits. It is the retirement planning part of your do it yourself financial plan. 401K contributions seem like a slow way to profit. You may think that you can make more money by investing outside of your 401K, but that is misleading . Your first investment dollars should be an option within your 401k plan, if you are eligible to contribute .   Until you have contributed up to your 401K contributions limits, don’t be tempted by short term gains elsewhere . Here are three reasons why:

1. Tax Savings.You contribute money into your plan with pre-tax dollars. That is a huge advantage in investing because more of every dollar you earn goes into your plan for your benefit. You make more profits faster because more of your money is working for you.

2. Tax Deferral. All the investment income- interest, dividends, and capital gain distributions are not taxed within your 401K plan. That means your money will grow much faster without tax on the investment earnings . Money outside of your 401K that has investment income will be taxed on that income whether you take the distributions in cash or reinvest.

3. Automatic Increase in Contributions. If you are putting a percentage of your salary into your 401K plan, then as you make more money due to salary increases and bonuses, your 401K contributions to your plan increases. When you contribute more, you have the potential to accumulate more profits . You have to save and then purchase an investment outside of a 401K plan. Remember that the longer the amount of time you have to grow your money, the faster the profits will be.

When you look at the powerful advantages above, it is hard to find any investment that can build wealth as quickly as a tax deferred plan like the 401K . Of course, there will always be high risk, high reward investments around who will tempt you to invest. With the 401K plan, even if you choose poor performing investments, over time you will have done better than if you had those same investments outside of the 401K plan. By remembering the 3 reasons above, you will stick to contributing the maximum to your 401K plan and watch the money pile up. -Fern Alix LaRocca CFP® Wealth Coach

If you have been learning about trading the currency markets for any time, I’m sure you’ve heard the phrase, “Price action is king”. This is because price action trading is one of the most accurate and respected ways to trade Forex. And of all the traders I’ve studied, the most successful ones all use some form of price action in their trading (even if they use an indicator or two as well).

What exactly is price action Forex trading?

As the name suggests, price action is the movement of price on your charts.  Traders look at this price movement, or recurring patterns, to give them clues as to what price is going to do in the future.  Once you become good at reading price, you can actually understand the state of mind of the BIG traders in the market.  This knowledge give you a good idea as to which direction price will move and how volatile to move will be.  That sounds like some pretty powerful information to have when making your trading decisions, right?  

The easiest way to learn price based Forex trading?

You could look at the charts and try to discover these price patterns and try to analyze the movement of price for clues as the the big traders intentions, but I fear this will be a very long road. As with any other skill worth learning, the easiest way to learn is to “stand on the shoulders of giants”. This means you should find already successful Forex traders using price pattern trading methods (and ones that are willing to teach you), and learn from them.

Is books, videos or webinars the best way to learn price movement trading?

Once you find a professional trader you want to learn from, it is very important to make sure the way they teach is the best way for you to learn. In my opinion, price action trading is hard to learn from just a book. Videos are better because you can see what is going on and get a feel for how trading is in real life…and not just a perfect example in a book. Webinars are also a very good way to learn because you can ask your mentor questions (but it can be distracting with all the other traders there with different backgrounds and experience levels).

Whatever method you decide to learn price action Forex, the effort is worth the time it takes to learn. When you understand price movement, and the underlying emotions of the traders in the market, you gain an advantage over other traders and make better and more accurate trading decisions. And when trading Forex, having an edge can mean the difference between being a very successful trader and losing money.

To learn a price action trading method from a REAL Forex trader absolutely free, check out: 3 SMA Forex Trading Method