How to invest in forex with life insurance?

When selecting units of account for his life is not thought immediately forex. Yet the forex can be very useful for diversifying a life insurance contract in which he already has stocks, bonds and dollar funds. This can also be a good way to protect themselves from the falling dollar

What is the investment on forex? 

Investing in forex is the investment in the currency market as the dollar, euro or pound sterling. The basic principle is to "bet" on the rise or fall of one currency relative to another is what is called a currency pair. Thus the pair of the euro against the dollar is called EUR / USD.

Viewed differently, it helps fulfill a belief or theory one country compared to another. So if you think that growth in the UK will be higher than that of the United States you can buy the GBP / USD and benefit from the rise in sterling against the dollar.

This is of course a simplified explanation and establishment of a forex trading strategy requires a lot of time to be optimized.

Let's see the different ways to use forex with a life insurance contract. 

Solution 1: Hedge funds 

This type of fund invests in currency pairs to take advantage of currency movements relative to each other. For this, the fund manager "alternative currency" can be used several ways:

It can perform arbitration several times a year through derivatives and futures to generate gains on buying and selling currency pairs.

It may invest in low-risk funds (government bonds, for example) in the country of the currency concerned and do not cover the exchange rate risk in order to benefit from the bond yield and the change in the exchange rate .

This type of fund is interesting insofar as it wants to invest in currencies while having a contract denominated in euros. But that kind of money does not guarantee performance and volatility can be extremely strong.

Solution 2: The funds and life insurance in foreign currency 

The second solution is to use a multi-currency life insurance policy. This kind of contract is offered by most of the insurance companies. On this type of contract, you can invest in a fund guaranteed dollar guy ... except that it is not in euros but in the currency of your choice (USD dollar, British pound, Swiss franc or any other currency).

This investment is safer than one solution to the extent that your investment in a foreign currency can not decrease because it is guaranteed. But the return depends on the bond rates so do not expect miracles ...
Please do not fool you: the amount of investment in currency can not decrease but you expose yourself to the increase or decrease in the dollar against the euro (this is the goal in any case not I need regular.).

example:
You have € 300,000 you want to place in United States dollars.
The company converts these into € 300,000 $ 380,130 USD (1.2671 dollar for one euro rates).
You will have the guarantee of never having less than $ 380,141 USD these.
BUT, if a year later you want to withdraw the money in euros and the dollar weakened against the euro at $ 1.35 to 1 euro. You will hear $ 380,141 USD / € 281,585 is 1.35

This solution may be suitable if you want to hold the money in another currency, while benefiting from the attractive taxation of life insurance. While understanding that the guarantee only applies to the amount in currency and not in euros.

In this article I showed you two ways to invest in the forex while under a life insurance contract. You decide if this is the kind of solution for you.

If you are against by an active trader and you want to invest in forex live, these solutions are not for you.

The world's best keyboard

Large, heavy and extremely noisy. In addition, soon enters the third to x. Nevertheless, there are still adherents who used to date because it's the world's best keyboard.

The IBM Model M 

There are few stable elements of computers, such as keyboard: still the most important input device, even if multiple devices - such as tablet-smart phones - it is replaced by a virtual counterpart. The Verge extensive article devoted to the keyboard, which is a kind of new standard: all the Model M keyboards made ​​today was followed by a key location, even if the button has been expanded to also offer the first Model M release.

But how does one become a cult keyboard? First of all, due to its durability and the other with a keyboard unmistakable voice. Article presented at The Verge Brandon Ermita, Princeton University, one of the IT manager, who sell exclusively online trading antiques input devices, especially for Model-M. Anyone interested in the topic, it is worth a visit is the clickykeyboards.com, where we will find detailed technical descriptions.

Small keyboard history 

The traditional QWERTY keyboard, or the manner in which the various characters are located relative to each other, not IBM invention. The assignment of a legendary typewriter, every journalist wanted a basic tool, manufactured by E. Remington & Sons, Remington No. 1 world-famous. You're also more widely in the company's refining purchased a patent made ​​it to the final assignment is still used in practice.

In 1981, IBM released the first keyboard. This has been tried to solve the problem that the computer was not quite the traditional character set (lowercase letters, uppercase letters, digits, special characters), but was a need for a special letter keys, allowing the user to the machine could communicate.

The team have created a separate company at the beginning of the 80s, which was responsible for the development of the keyboard. The team worked not only in the lab, but from novice user set up a test team, who tested the layout and mechanical solutions.

The Model M is one of the characteristics of the so-called. buckling spring mechanism already existed in the previous generation, 83-key PC / XT keyboard as well. The mechanism is to work with a mechanical coupling spring during the detachable keyboard (see picture). This was typical of the Model M, typewriter voice.

The sound is clear, however, did not result in success. The machine operator was a great help to the clarity of the keyboard, that is physically and voice feedback is given to the machine operator, making it more accurate typing. However, this typewriter imitation drawback was the environment obviously very troubled by the distinctive, loud clack. Public spaces, therefore, later spread to the rubber bellows, more quiet-action keyboard.

Since 1987 the IBM PS / 2 PC has of the Model M is given, which certainly ensured the spread of the allocation it worked.