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20 Tips To Find Very Cheap Car Insurance

1. Acquire from the world wide web. Most large firms present a discount for on-line applications as this is automated process and costs them a lot less to process your application, it is possible to often see discounts of 5%-10%.

2. Shop around. Many insurance firms use very specific complex formulas to calculate your insurance premium by adding or detracting capital after every question the ask you.By shopping around you could find huge savings on your insurance premium.

3. Acquire additional items. Most insurance firms also do other insurance items ie. “Building’s and content’s insurance”. Most insurance firms will give extra discounts for buying much more than one product,by doing this you could salvage a fair quantity on all your insurance premiums.

4. Pay your whole insurance premium all at once. When you pay your insurance premium in full you take away having to pay those costly interest charges that are added each time you pay your insurance premium by installments. Some insurance businesses may well charge as considerably as 15% APR on installments.You might even receive a discount for paying in full.If you can not afford to pay in full, then search for and study the costs associated with a modest loan to borrow the money in order that you will have enough to pay in full and still save some cash. Fill out a on-line loan application.

5. Improve your voluntary extra. Your excess will be the quantity paid by you in the incident of a claim,by growing this your insurance firm will need to reduce your premium.

6. Lower your annual mileage. Lowering your annual mileage can lower your premium,for the most part insurance businesses will quote you for around 12,000 miles a year.Try and function out how many mile’s you may do if it is likely to be much less you might get a discount.Be honest about this as your insurance business may well ask to see old MOT’S and repair history to verify your mileage inside the event of a accident.

7. Have a Alarm, Immobilizer or Tracker fitted. Theft of and from your vehicle play a significant role in the calculation of your insurance premium.Having a alarm or immobilizer fitted will give you a smaller discount to your premium and having a tracker fitted could make you very a saving.

8. Take the vanguard driving test. Passing your advanced driving test will surely illustrate to your insurance business that you indeed have extra skillfulness when driving and are much less likely to be involved in any type of accident.

9. Do not overestimate the value of your automobile. Adding extra value to your automobile whenever you apply for your insurance quote will do nothing for you apart from enhance you premium.Inside the event your automobile is taken or written off you might only be paid the market value of your automobile at the time of your accident.

10. Look after your credit rating. Insurance businesses are now looking at your credit score as part of the calculation for your insurance premium.Maintaining a good credit rating could keep away from unnecessary additions to your premium.

11. Insure your vehicle Third Party Only.Third party only will be the minimum cover you are necessary to have by law it is also the cheapest.If your vehicle is of a low value then you could contemplate this type of cover.You should remember that with this type of cover in case you was to have a accident that any damage to your vehicle would not be sheltered for repair.

12. Keep a clean license Insurance. Firms take driving convictions quite seriously and can dramatically enhance your automobile insurance premium, by maintaining a clean license shows to the insurance you are a safe and assiduous driver.

13. Remove any unnecessary drivers.When you have a young driver on your otherwise great insurance policy that no longer use’s the vehicle make sure you get rid of them as this may reduce your premium.

14. Young driver’s add a elder driver.Some insurance firms will decrease young drivers premiums if they have a older named driver on the insurance.

15. Construct up your no-claims discount one of the biggest elements affecting your auto insurance premium is the number of years no-claim’s discount.You could receive up to 75% price cut for around five years of no massive claims.The more years you can remain claim free the safer driver your insurance business will see you as.

16. Safeguard your no-claims discount.Despite the fact that this may enhance your insurance premium for those who have a lot of years of no-claims you could would like to protect this as a smaller claim could enhance your premium by up to 75%.

17. Invest in a lower insurance group vehicleA really important factor to your insurance premium is what auto you drive.Most insurance businesses adopt the Association Of British Insurance Group Rating.This rates vehicle’s from 1 – 20 usually speaking the greater the group the greater the premium.By getting a auto having a lower group rating can lower your premium particularly for young or inexperienced drivers.

18. Join a auto club.If your vehicle is a classic or specialist take into account joining a club related to your auto most clubs supply insurance schemes which have very good premium rates.

19. Put your spouse as a named driver. Some insurance firms present discounts whenever you add a spouse as a named driver as opposed to unmarried couples,they see marriage as a sign of stability and associate stability with safe driving and there for give you a discount.

20. Take pass plus. Should you be a brand new driver take into account taking your pass plus.some insurance businesses could give you as considerably as a 25% discount and once you have just passed your test and have no no-claims this could make a considerable saving.

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Useful Ideas For Dealing With Auto Insurance

Buying auto insurance might appear very complicated, but if you know what you are doing, you can easily find a policy for your car that will fit you. If you don’t know what you are doing, you can lose a lot of money on a policy that won’t help you. Don’t worry, the tips listed below can help you avoid that.

When trying to save money on your auto insurance, consider having a anti-theft alarm or immobilizer installed on your vehicle. The possibility of theft is one of the major cost factors in your insurance premium, and an anti-theft device reduces this risk. The lower your risk, the lower your premiums become.

To save money on your car insurance shop for it before shopping for a new vehicle. Besides your driving record and location, the biggest factor in your price is the car they are insuring. Different companies will set different rates that are also based on their experiences paying claims for that type of car.

If you find yourself changing jobs to a company that is closer to your home than your previous employer, you may be eligible for a significant discount in your monthly premiums. Contact your insurance provider and inquire if your agent can offer you a better deal based on your shortened commute distance and time.

A lot of people have speeding and parking tickets that they’re not even aware of until they attempt to get a new auto insurance policy. To avoid this money trap, be sure to check with your local state office to receive a copy of your full driving record. This will let you know if there are any unpaid tickets you need to handle.

You should always pay your car insurance on time. You will have to pay back your insurance company, perhaps with interest. If you cancel your policy without paying back your insurance company, this will show up on your credit score. When you apply for a new insurance, your bad history will show up.

See if you qualify for a Safe Vehicle Auto Insurance Discount. If your car has a variety of safety features, such as airbags and anti-lock brakes, you may qualify for a reduced rate on your insurance. Discuss everything that your car has with your agent so that you get the best possible rate.

The article’s beginning mentioned that reading and doing your end of the research is always a good way to start finding the right auto insurance company for you. Using the tips above is a sure way to help you on your way to success with the perfect auto insurance company that covers everything you need it to.

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Auto Insurance Advice That Is Proven Helpful

Given the necessity to own auto insurance, it seems as though the process to purchase auto insurance should be much easier than it is. Although you may be frustrated by the difficulties you have had in the past, this article is meant to provide you with the tips you need to get your auto insurance as quickly and painlessly as possible.

When shopping for auto insurance, don’t just settle for gathering quotes, but also make sure you gather other information about the company and their policies as well. It is important to know as much as you can about what you are getting into. It’s important to understand that the price is not the only factor on which you base your decision.

Most student drivers pose a higher risk to auto insurance companies because their age bracket is statistically involved in more accidents, but students can combat this by simply making the honor roll. Students with good grades are less likely to get behind the wheel of their cars drunk or having taken drugs, and insurance companies know this.

Don’t allow inferior parts to be used to repair your car, and it will last longer. Some insurance companies may send you to a repair shop that doesn’t necessarily have your car’s best interests in mind. Make sure that they use parts directly from the manufacturer to ensure a perfect fit and that they meet federal safety standards.

Stay out of the gap. If you have more financed on your car than it is worth, if your down payment is less than twenty percent, or if you lease, you should add Gap Coverage onto your auto insurance policy. The Gap Coverage will cover the additional amount, over the worth, if you total your car or it gets stolen, and the entire amount of the loan will be paid off.

A big part of setting the cost for your auto insurance premiums has to do with the type of car that you drive. Remember that when you are in the market for a new car – cars that are more expensive to repair, for example, will often result in higher insurance rates.

Don’t pick an insurance just because it is cheaper. Each insurance company provides different types of plans with varying levels of coverage. One company may offer a plan for $100 less, but it may just have liability coverage. Most states require protection against damage to another person’s car, but not for your own.

While shopping for a new or used vehicle, in addition to calculating what the cost will be for financing the purchase of your vehicle, you might want to also consider the cost of auto insurance coverage. Get a quote from your insurance agent on coverage for the different vehicles you’re interested in. The cost of insurance might make a difference in your final decision.

American Car Insurance

If you are driving into Canada or Mexico, many people don’t realize that your American car insurance won’t cover you in a foreign country. You will need to purchase auto insurance ahead of time online, or in the border town or city where you will be crossing over into either Canada or Mexico.

See, thinking about a policy in regards to your car wasn’t so bad. Accidents happen a lot and being left without an auto insurance policy can leave your car completely unprotected. Do yourself a favor and follow the above tips to get an auto policy as soon as you can.

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What Everyone Should Find Out About Life Insurance Coverage

Sadly, demise is surely an inevitability for everybody. It is important to create the correct judgements now so that your family members will probably be cared for, if and whenever you successfully pass away. The following suggestions can lead you while searching for the right form of life insurance.

What is the appropriate amount of life insurance coverage that you need to purchase? The first thing to think about is that if you really need life insurance coverage. If you’re one and childless, then almost certainly not. Take your annually earnings and multiply it by 5 to 10 to get an acceptable insurance plan sum.

Find out precisely how much protection you require prior to buying a life insurance coverage policy. You realize the things you need a lot more than someone else. Don’t let a quick-talking life insurance salesman influence you to obtain a large life insurance coverage coverage. Believe it through, go to a decision and don’t permit anyone convince one to commit anymore than you planned.

Think about purchasing a two-in-one life insurance plan for you and the significant other. This allows your partner to be shown on one plan, as opposed to needing to hold two individual policies. Such a plan typically has a reduced premium than two individual policies. You’ll have the exact same coverage for less.

Research the various businesses giving life insurance. You can find websites where one can get several quotations allowing you to examine rates and locate the best offer. Do your homework and you may locate that one could save a large amount of funds. It might pay back within a large way if you do some comparison shopping.

Before making any judgements, you ought to do your perform and evaluate the charges provided by a number of different firms. It is possible to do the price comparisons on the internet or by designing a number of messages or calls. In case you get in touch with the businesses, don’t give them your individual information right up until you are prepared to open up a plan, although. You must get several quotes that you can prior to selecting the right offer.

Be very loving about picking a new insurance representative. You may want an impartial unbiased agent, who could give numerous delivers, rather than going directly to a biased large organization, which happens to be enthusiastic about offering you its goods only. An outstanding unbiased representative is quite proficient in a variety of insurance plan items, and will offer invaluable assistance in helping anyone to choose a policy and that is a good in shape to suit your needs.

When looking for a life insurance policy, you ought to remember that any proceeds from the policy will not likely be taxed as income. If something takes place to you, and you use a large plan, you need to be comforted because your loved ones won’t have to be concerned with giving the federal government any of the cash paid for out by your life insurance coverage.

Usually make certain you are buying ample insurance to your family and family members once you finally do obtain coverage. The policy should manage to take care of your last costs, including your mortgage loan, personalized loans, and your children’s academic bills.

Typically, you should discover other answers to monetary troubles, as opposed to cashing out your insurance coverage. A lot of people money them in to make ends meet up with today. A significant amount of the cash invested in the policy goes to waste materials, together with the time spent. There are significantly better techniques you can do this.

As formerly mentioned, nobody truly understands just what the future has in retail store for each people, and something could transpire anytime. It is actually incorrect to stress your family members using the economic responsibility included in your passing. Together with the details which you have just go through, you will end up much more willing to make intelligent selections since you select your next life insurance coverage coverage.

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Points To Consider Relating to Life Insurance

Life insurance coverage will not be a topic that is commonly reviewed, although it is of excellent value to many. Even though you don’t specifically want to bear in mind it, your estate will benefit enormously from getting a life insurance coverage. This article will help you buy good insurance coverage in a very good value.

Compute your real life insurance coverage demands, and let the consequence tutorial how much you purchase. Purchasing excessive insurance will just cause you to squander dollars and can trigger much more pressure for your household. Make time to evaluate which your ideal amount of coverage is, and you’ll appreciate a sense of safety.

In the event you fall under a number of classes which can be viewed as substantial-risk, you must check out all of your options. Don’t be disheartened should you get an excellent estimate from a specific life insurance firm. Each and every firm will negotiate for conditions in a different way. Companies all examine stuff somewhat in different ways and charge unique rates for specific problems.

When you find yourself looking at life insurance coverage guidelines, make sure you include insurance coverage that is certainly for preset costs as well as on-going costs. But, life insurance resources can also be utilized for 1-time expenditures, for example estate taxation and funeral expenses, which can be rather great.

You are straight to be distrustful for any representative which enables unrealistic boasts or guarantees. It may look like goofy suggestions, but a broker must in no way push you close to or overlook what you wish exclusively for the sake of generating revenue from you.

You must be sure that your life insurance coverage firm carries a great track record when you are planning to enroll in an insurance policy. A smaller sized insurance policy that costs less doesn’t suggest something if your organization isn’t there when you need them probably the most.

It is actually common process for insurance policy providers to charge reduce charges for nutritious people. Ahead of searching for out a life insurance coverage insurance policy, try and put yourself in as wholesome a situation as you possibly can. Go to your doctor for any actual to get oneself checked out for high cholesterol, lose weight and even more importantly, never light up! Enter into shape and stay there to aid save money on life insurance.

Try to find a number of rates when you’re contemplating acquiring life insurance. Most companies use different methods to produce limited volume. For instance, if you light up or have a precarious habit like skydiving, your high quality monthly payments could possibly be increased with 1 organization than with another. You’re very unlikely to get two exactly the same.

This method causes it to be easy for a reliant to get area of the payout, even before the individual moves out. This can be very significant, as end-of-lifestyle care for terminally-unwell sufferers could be very high-priced.

Acquiring life insurance, even though it looks cliche, is acquiring peace of mind. By planning for this occasion, you will be making it possible for your family members to visit with regards to their lifestyles as comfortably as is possible. Although this might not be probably the most secure matter, browsing the guidelines below will help you to are more well prepared and properly-educated.

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Useful Guidance That Will Help With Car Insurance

Throughout life, you will come to points where you have to insure various items to protect their value in the case of an accident. Of all the insurance payments, you will have to make. Auto insurance will be one of the largest and most financially demanding options you must decide upon. Make sure you abide by some basic tips when you finally get to that point.

Know the laws in your state concerning auto insurance. In almost every state, car insurance is compulsory. You can face stiff fines and penalties for not carrying adequate car insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.

Many insurance companies have discounts for cars that have extra anti-theft or security features. If your car has some of these features, like anti-lock brakes, you should ask your insurance company and see if there are any discounts available. Also, you can get discounts if you took a defensive driving class or if you are a student with good grades.

If you have a teenage son or daughter that is driving have them drive your cars instead of owning and driving their own. This is because the rates for teenagers are obnoxiously high and it will cost a lot to insure them. If they are honor students make sure to report this as well for discounts.

Don’t expect all insurance companies to give similar rates on car insurance. Rates vary greatly from company to company, usually without a clear reason. Each company has a differing internal formula for coming up with quotes, so you should compare and check at least 3 to 5 companies to make sure that you’re getting a good deal.

Carry comprehensive and collision coverage if you have a newer vehicle or one worth a great deal. If you do not have a lien, you are not required to carry these coverages, but they provide protection for specific types of claims which can be crucial for expensive or newer vehicles. For example, comprehensive coverage protects you if a tree falls on your vehicle, while basic minimum liability does not.

Create an emergency fund to cover your deductible which in turn can allow you to raise your deductible to your comfort zone and lower your rates. Higher deductibles are great for lowering your premium, just be aware that should you have an accident that is your fault, you need to have money set aside to cover yourself.

Hopefully with the information you learned in this article you can feel a bit more confident in getting the right type of auto insurance. Remember if you educate yourself on all there is to know about auto insurance, you should find the right kind of coverage that you are looking for.

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Life Insurance Advice worth Remembering

One of the finest approaches to provide financial protection to your family members is to acquire life insurance. Your family’s future will be secured in case you die. It is a comfort knowing that your family will still have money even if you’re gone.

Receiving life insurance advice from the gurus can really help someone who doesn’t have ample information related to insurance. Certain matters are to be considered prior to obtaining a coverage. You have to bear in mind factors such as your lifestyle, needs and budget.

A lot of individuals, if not all, now have insurance. It all boils down to one thing, is it the right life insurance? Will everything go as planned when you’re gone? Will your family get the financial security they need?

You need to decide how much insurance you want and you need. Insurance companies will offer different insurance coverage, quotes and rates. In the end, it’s still you who will make the final decision.

One popular life insurance advice you will end up getting is the Five Times Annual Income Rule; this is easy, just multiply your annual income by five and insure yourself for that amount. Factors such as you spouse’s income, the number of kids you have and your daily expenses should be considered completely because life insurance functions as a replacement to the income that your family will miss when you pass away. If they can live in comfort without you then you can go for the smaller and less expensive term life insurance policy.

After the amount you want to insure, you could begin selecting the best kind of insurance plan. One common life insurance advice you can expect to hear from the specialists is to select the least difficult coverage which is the term life insurance. This is where you pick out a number of years and take care of the premium. Your loved ones can claim the money from the insurance agency in case you die within the covered period.

Another kind of insurance plan you can select is the whole life insurance. It comes with a predetermined premium based on your age when you first purchased it. You should request for more life insurance advice from the issuer before opting to purchase this insurance policy.

Moving on to the next type of insurance, there is also what you call Universal Life Insurance which is basically a combination of term life insurance and savings fund. Depending on the amount you want, you need to pay the premium once a year, and though it varies, your savings fund will earn interest. In the event of your death, your family will be able to claim the face and cash value of the policy you’ve paid for.

Variable Life Insurance is another kind of risky life insurance that lets you focus on investment funds with your insurance plan. You’re going to be given the decision to invest your hard earned cash wherever you want. You could change your mind twice or even up to five times each year if you wish to.

Lastly, you can opt for the Variable Universal Life Insurance where you will be given the choice to pay for your policy and invest the rest in stocks and bonds. Again, this can be a little risky.

Seeking life insurance advice from the specialists is essential. This will help you pick the perfect coverage. Asking for life insurance advice from the specialists is important. Your money will surely get its worth.

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Reevaluate Your Car Insurance Opportunity With These Tips

Your car, like you and your family, is an important part of your life. Just like you, it needs to be insured to with an auto insurance policy. You need to research all kinds and find the best ones that offer affordable rates and coverage should anything happen to your vehicle. These tips below can help you with that.

Make sure you find out the requirements in your state or country for auto insurance. Most states require at least liability insurance. If you do not keep your car properly insured you may wind up getting in trouble with the law and face stiff fines or other more serious penalties.

Do not automatically assume your rental car is covered if it is stolen or damaged in any way. Rental cars are often not covered under most auto insurance policies. If it is not covered, you can add coverage for about one or two dollars more per month to your premium.

For automobile insurance, look into good driver discounts. If you have a good driving record, you may be eligible for reduced rates on your insurance. Particularly if you have not been in an accident or received a speeding ticket in over three years, there is a good chance that you will qualify.

Know what factors affect your car insurance rates. The three key considerations in determining your car insurance rates are age, sex, and actual driving record. Higher rates are given to less-experienced drivers, and males in general. Any ticket that takes points off of your license will also result in an increase rate.

If your old car is not worth anything per the Kelly Blue Book value, think about dropping collision and comprehensive insurance coverage. When you make an insurance claim on a car, the insurer will compensate you for what the Kelly Blue Book value is. If your car is not worth anything, you will receive nothing from the insurer.

If you upgrade your car with aftermarket items like spoilers or a new fender, you may not get the full value back in the case of an accident. Insurance policies only consider the fair market value of your car and the upgrades you made generally do not get considered on a dollar for dollar basis.

To save money on car insurance, consider raising your deductible. You’ll need to be able to pay for some repairs out of pocket, but if you’re comfortable doing so, you can see significant savings by raising your deductible from $250 to $500, and even more if you go to a $1000 deductible.

Start carpooling. Many car insurance providers will charge you less if you do not drive your vehicle often. If you drive less than 7,500 miles a year, your premiums might be significantly lower. If you are unable to carpool, try taking the bus or some other form of public transportation.

Because mileage has an impact on insurance premiums, reducing your commute can lower your insurance costs. While you probably will not want to make auto insurance the primary concern when changing homes or jobs, keep it in mind when you do make such a shift. In borderline cases, a difference in car insurance costs can be the deciding factor between two employment or residence options.

Getting auto insurance for your car ensures that if anything happens to it, it can be fixed. That may not work the same as with a human life, but similar to insurance for people, it is really important to your future. So, do yourself a favor and do your research and apply the above tips to your policy hunt.

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Deciding to buy Term Life Insurance

A lot of people today know that a number of large insurance providers have different strategies in convincing prospect clients to buy a term life insurance plan. It is most likely the most convenient and the least expensive means to have ourselves covered whatever age, gender and social status. This sort of life insurance plan, however, doesn’t have cash value build up should the holder of the coverage dies but provides the most acceptable premium as compared to others.

This is just how term life insurance works. A person who purchased a term life insurance for 10 years will designate his beneficiaries which will be placed on the coverage he acquired and assuming he dies on the 8th year of the term, the insurance agency will pay his beneficiaries and hand them the benefits contained in the insurance plan.

40 year olds can wisely decide to purchase term life insurance as they can estimate how long they could still live based on their medical conditions and decide whether or not the insurance coverage is good enough to support their loved ones’ needs in case they pass away. We have extra probabilities of receiving lots of savings when we start paying for life insurance while we’re young instead of buying it after we reach 50.

It’s best to take into consideration a variety of things affecting one’s lifetime which includes health conditions and age when comparing term life insurance quotations. It’s great to know for certain that you won’t be leaving your loved ones with empty pocketsin the eventuality of your death, temporary coverage is offered by term life insurance for 40 year olds.

A lot of insurers recommend the 20 year term for seniors. If the insured individual remains to be healthy and fit, this is a sensible preference. This may cost a little higher for individuals of such age though as compared to the younger ones.

It is really possible for any person to end up with a high-rated insurance company and the perfect policy because of the online sites which offer help in evaluating a variety of insurance plans.

You definitely will find the application process a breeze. You can have all the time you need to easily keep on top of the process while taking care of other financial obligations. This could assist you to be decisive on your term life insurance and not simply depend on your adviser’s tips.

It’s important for people to know for sure that term life insurance intends to grant the financial protection we’d like to give to our families for our chosen time period.

When buying term life insurance, you need to know the best life insurance companies that caters that kind of product. Learning a lot about these companies is essential in your decision making.

Ascertain Your Risk Tolerance

every individual has a risk tolerance when it comes to investing,  and premiums, that must not be ignored. Any good stock broker, financial planner or insurance agent knows this, and they should make the effort to help you decide what your risk tolerance is. Then, they really should perform with you to find investments or premiums that do not exceed your risk tolerance.

 

figuring out one’s risk tolerance consists of various different things. First, you need to know how much money you have to invest, or have to purchase a policy and what your investment, financial, and security goals are.

 

For example, if you plan to retire in ten years, and you’ve not saved a single penny towards that end, you need to have a high risk tolerance – since you will need to do some intense – dangerous – investing in order to reach your financial goal.

 

On the other side of the coin, if you are in your early twenties and you want to start investing for your retirement, your risk tolerance will be low. You can afford to watch your money grow slowly over time. The purchase of a life insurance policy can provide financial security while you’re your investments or growing.

 

comprehend of course, that your need for a high risk tolerance or your need for a low risk tolerance really has no bearing on how you feel about risk. once more, there is a lot in figuring out your tolerance.

 

For instance, if you invested in the stock market and you watched the movement of that stock daily and saw that it was dropping slightly, what would you do?

 

Would you sell out or would you let your cash ride? If you have a low tolerance for risk, you would want to sell out… if you have a high tolerance, you would let your cash ride and see what transpires. This is not primarily based on what your financial targets are. This tolerance is based mostly on how you feel about your money!

 

once again, a good financial planner or stock broker need to help you figure out the degree of risk which you are relaxed with, and help you choose your investments accordingly.

 

Your risk tolerance must be primarily based on what your financial goals are and how you feel about the likelihood of dropping your money. It’s all tied in together.