Several Benefits of Comparing Insurance Quotes

Every insurance company has their own car insurance rates and due to their overwhelming number they can confuse potential customer who is looking for the best insurance policy available. Comparing auto insurance quotes is very necessary due to several factors as they all have various payment rates. Prior to choosing an insurance coverage, better examine as many insurance quotes as possible.

There are lots of ways to find auto insurance quotes. You may go for the internet for registered car insurance companies in your locality or you may contact several company agents. Different quotes are available out there. As a potential buyer, you shouldn’t immediately jump to the cheapest deal because it’s not always the best insurance policy. You might suffer from heavy expenses because your cheap insurance coverage has been already depleted. Do not immediately pick a product just basing on its cost. Consult friends, lawyers, and various agents in comparing different quotes from various dealers before you pick the most suitable product.

Since the time that discounted quotes are being offered, the competition among different insurance companies has tightened up. Discounts will be given to those cars that have less mileage per year and due to this many drivers are now utilizing public transport system instead of their cars. Discounts are offered by auto companies to promote cleaner environment, utilize hybrid cars, and for those who live in far flung area.

Appropriate policies must be offered to car owner by insurance companies. The quotes being offered are based on various factors such as car type, applicant’s credit rating, risk factors, and many more. Prioritize those car insurance quotes that offer both Bodily Injury Liability and Uninsured Motorist Bodily Liability since they are the safest ones. When obtaining insurance quotes, make sure you’ve collected multiple car insurance company rates.

One to two out of ten drivers do not have a car insurance policy according to a study conducted by the Insurance Research Council. Insurance companies are urged to offer more flexible insurance policies so that people will be well-informed about the advantages of obtaining auto insurance in protecting yourself both physically and financially during accidents. Insurance coverage with discount and incentives can be very inviting for car owners.

It is not still clear why quotes differ in various states. It might be due to the competition along the business. Car owners can conveniently obtain insurance quotes through the internet and it is important for them to be aware of its benefits. It will be critical for a driver to operate a car without a proper insurance. You’ve got to insure your car and protect it as well as yourself at all time if you wanted to enjoy years of fun with your ride. There is much insurance coverage available that is competitive enough to cater your safety and personal needs.  It is high time to remind yourself about the importance of having car insurance while owning a vehicle. Make your decision today and find the most suitable insurance quote for you.

A Guide in Purchasing an Auto Insurance Policy: How to Find the Best Car Insurance Policy

cheapest auto insuranceFinding the best car insurance policy depends entirely on how much you can spend and how much you are willing to spend on your monthly premiums. This can either prove to be a difficult task or it can be an easy process that will not only help you find a low cost car insurance policy, but also the best types of coverage.

Throughout the whole history of car insurance, most drivers prioritize cheap auto insurance premiums. Most car owners do everything that they can in order to get the cheapest car insurance policy available. What most of them tend to do during their search for the cheapest auto insurance is that they forget to take a closer look at the types of coverage included in that policy.

However, the process of finding the right and the cheapest car insurance policy has changed significantly over the years. There are now numerous insurance providers offering plans comprised of the most useful types of coverage for cheaper premiums. This means that, as long as you know what to look for, you can easily find the best car insurance plan for all your driving needs.

While the process of purchasing insurance policies has been made a lot easier by the World Wide Web, it is still important that you learn as much as you can about this driving requirement before you actually purchase the first cheap auto insurance policy you see. Here is a basic guide in purchasing an auto insurance policy and how you can find the best one for your needs.

Look Closely at the Features and the Types of Coverage Included in the Policy

First and foremost, you need to make sure that the features and the types of coverage included in the policy you are interested in are useful. Make sure that the most important types of coverage such as the comprehensive coverage, the medical coverage, and the collision coverage are included in the policy. The features that you should consider also include rental expenses as well as towing expenses. These features are very useful in the event that your car breaks down and you do not have extra money to spend on rental and towing services.

You can find some more details on this page.

Search the World Wide Web for Car Insurance Quotes

Now that you know the features and the types of coverage that should be included in your policy, you can now search the Web for car insurance quotes. This is one of the best and the fastest ways to get auto insurance quotes. Car insurance companies base the monthly premiums you would have to make on several factors such as your age, your marital status, the type of car you are driving, the area where you live, and even your driving records. As long as you enter honest information on their websites, you will be provided with a quote that will help you find the best and the cheapest auto insurance policy.

Car Insurance Comparison: Effective with Comparison Websites

compare car insuranceResponsible car owners will always think about the welfare of their cars. Thus, responsible car owners should see to it that they’ll be able to avail a car insurance policy for the welfare of their cars and for their own welfare as well. Having car insurance can promote sense of security and confidence. You’ll be able to drive along the road with peace of mind because of the fact that you and your car are geared with appropriate insurance coverage.

Getting the best car insurance deal is tough. You have to see to it that you have the proper coverage. And also, you have to make sure that you’re getting the right deal with a right price. Therefore, car insurance comparison is very crucial. If you want to make sure that you’re getting the best, then car insurance comparison should be done, whether for the purpose of renewing the car insurance policy or you’ll be availing it for the first time. Car insurance market is indeed saturated with numerous providers, comparing quotes and choosing the right one can be challenging.

The quotes for car insurance are being ascertained by the use of criteria. These criteria will be based on the driver and other contributing factors. There are certain factors that can make car insurance quotes high. One example is the age of the car itself, if the model of the car is too old, it will give an impression to the insurance company that it is easy to break and might need too many repairs. The location where you park your car may also contribute to high insurance quotes, for an instance, you always park your car on a very busy street, insurance companies will be thinking that your car is more likely to be stolen or be damaged. Remember that it will be the car insurance company that will take care of these things.

Drivers are one of the bases in terms of determining the car insurance quotes. Age plays a significant role. Those drivers who belong to the age bracket of 17 years old to 25 years old, are believed to be a high risk group in terms of being involved to collisions and might have the tendency of having damaged cars compared to older age brackets.

All of these factors might determine the price of your car insurance that will be offered by the insurance providers. Well in that case, it is crucial for you to shop for car insurance companies that can give you good quotes and compare car insurance quotes, basing it to the factors above. Therefore, websites for auto insurance comparison can be a very useful tool in terms of looking for the best insurance provider.

The advantage of using a website for auto insurance comparison is that you’ll be able to find companies easily by just entering some pertinent information. Just in a matter of seconds, all the details that you need in order to compare auto insurance quotes will be right before your very eyes. The comparison websites will be the one who will be gathering different information from different car insurance companies. Thus you’ll be able to see the different car insurance quotes basing it from several factors. Through this, you’ll be able to effectively pick the right car insurance company for you.

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How to Get Cheap Automobile Insurance

Everyone wants to obtain their car covered by insurance so they don’t have to go through serious fiscal issues in case there is any car misfortune but some individuals simply don’t do that only because they remain unable to find low cost car insurance plans. Well this is for the reason they don’t know how to do that in this world of web and they only make an effort to visit every single business individually which can be extremely exhaustive indeed. You should use some modern-day and cool automobile insurance comparison strategies that are offered freely on the internet.

There are lots of on the internet services that are available without charge plus they offer extensive car insurance quotations help. Just what else do you want to get all the results right at the front door? So that all required from you is the form filling that is really easy and also requires you some basic data like your zip code of the location. There is a comprehensive contact information of the organizations so that you can hook up with them right away after finding the optimum quotes price. There’s always some thing suitable for every person here, thus just give this technique a try and see what finest perhaps there is for you.

Acquiring cheap car insurance shouldn’t be any problem for you in this modern period of web when people do everything on the internet from shopping to making profits. There is absolutely no better means of finding low cost car insurance when you have found a trustworthy website and the internet to fetch all the quotations comparisons for yourself. So what are you awaiting, simply turn on the PC and browse at a great website? Don’t wait for that automobile accident to happen that may snatch away your entire happiness with all your hard earned money.

Finding a cheap car insurance not really a big deal and everyone is enjoying the benefits around the world, so why not you? So plan the things out and commence looking for the most effective quotations today on the web. You’ll definitely obtain a good one without doing efforts.

Have fun gambling on the web

The entire world is turning out to be a global village because of the internet service and also the people just love to accomplish almost everything on the internet may it be shopping, generating money or even game playing. Gamblers have moved one step forward and have produced a few wonderful online casinos to deliver mind blowing wagering games for the people around the world. Gone are the days when people used to visit traditional land based casinos to fulfill their own need for betting. All that’s necessary these days is a good net connection to enjoy each and every game that is offered at the regular casinos without departing your family area.

The rules and also regulations are certainly not very much different and the signup bonuses as well as rewards tend to be a lot more enchanting within the online edition of these video games. It really is observed that in many online online casino games the rewards as well as bonuses are more handsome as compared with standard land based casinos. You’ll find nothing to concern yourself with the cons of the online casino world as you can very easily judge the reputation of these on line casinos from anyone who has been playing games there for long. Engines like google can assist you a good deal to locate a local dependable casino.

The programs of such sites tend to be developed by several well known companies so if you’re afraid that these codes running at the rear of the web site can easily cheat you, simply have a look at the standing of the company which has offered the software to these gambling establishments and you may feel far more secure and guarded. So if you are already nicely trained at virtually any landbased casino game, you just need to find it on the web and deposit some initial cash to get things going. For anyone who is stepping into the particular casino globe first time at online casino, you may want to take the aid from tipsters.

If you’re downloading just about any casino computer software, avoid those unsafe trojans along with Trojans that may kill the nerves of your Computer. Just rely on a great antivirus to make your self clear of all such concerns. Enjoy yourself betting in online casinos with a cup of coffee available.

Lowest priced auto insurance Obtain one today!

Who n’t need to have the low cost car insurance? Simply every person does due to the fact most of men and women don’t think it is pleasing paying out monthly premiums each month. Just for this important reason, all of us looks to have wonderful lower price options on the insurance policy. There are lots of rules of every auto insurance firm that should be tested nicely to determine whether or not you match anywhere or not. You might want to invest a lot of your time and efforts to get the cheap insurance quotes if you are doing it at mobile phone or perhaps meeting the respective bodies personally.

Though the best way to accomplish this currently isn’t any doubt world wide web. There are numerous on-line companies which simply request you to fill out a straightforward form and after that they just provide you with an in depth study of the costs of the firm where you can chose the cheap car insurance plan that meets your fiscal spending budget. Many of the firms present cheap rates to prospects that do a busy every day work and use much more cellular whilst travelling in comparison with those who do job in a significantly relaxing environment. Thus checking out these kind of offers and rules are actually crucial in order to find the least expensive quotes possible.

The web comparison solutions are typically brimming with all the required information. They simply not simply tell you all of the insurance charges but in addition provide the contact information of all of the businesses from which they bring the data of your interest. So, you just see the low cost quotations and make up a call to the firm or perhaps email them and you get a quick response. Everything has gone very easy with the web! Meeting respective company officials has many advantages but when you might be lacking time nothing at all can be superior to the usage of internet for this.

Therefore utilize internet properly to not only save your time but in addition to acquire yourself an incredibly cheap car insurance plan. Get yourself free from those monetary anxieties that can strike you in case there is any kind of car wreck!

Scotland’s portrait gallery fulfils 120-yr-old dream

(Reuters) – Scotland’s National Portrait Gallery reopens on Thursday after a 17.6 million-pound ($27 million) renovation that finally fulfils the dreams of its architect when it first opened its doors 120 years ago.

It is the second multi-million pound artistic project to be completed in the Scottish capital this year – both on budget and on time.

The National Museum of Scotland reopened its doors in July in all its Victorian glory after a 47-million-pound makeover gave it a spectacular boost into the 21st century. The museum said more than a million visitors have passed through its doors since they reopened.

Portrait Gallery Director James Holloway and museum chief Gordon Rintoul both said the successful completion of the renovations was down to careful prior planning and sticking strictly to the plans and budgets.

This is in stark contrast to two other huge projects in Edinburgh: the Scottish national parliament which was years late and many millions over budget before opening in 1999, and a curtailed tram system under construction, which is also running years late and hugely over budget.

Gallery officials said the neo-Gothic sandstone building was the world’s first purpose-built portrait gallery when it opened on Queen Street in Edinburgh’s New Town in 1889 to the design of architect Sir Robert Rowand Anderson. But for more than a century much of the space was taken up as a museum store-house and offices, with art displays crammed into only a third of the building.

National Galleries director John Leighton told Reuters at a preview that the renovation had changed this dramatically.

“The portrait gallery now occupies the whole building for the first time,” he said. “We have opened the upper floors to provide 60 per cent more space.”

Holloway said the building had been “brought back to life… its life force is so exciting.” The number of galleries, including beautifully arched top floor spaces with natural light from ceiling windows, has jumped to 10 from only three, providing space for an additional 606 works of art.

The gallery’s collection comprises 3,000 paintings and sculptures and 25,000 prints and drawings. It also houses the national collection of photography with some 38,000 historic and modern photographs.

Seventeen new exhibitions run through the history of Scotland from the Reformation, the 18th century Enlightenment, Empire, modernity and the contemporary.

HP launches first products using Autonomy’s tech

(Reuters) – U.S. group Hewlett-Packard has rolled out its first software using technology gained from its $12 billion acquisition of British group Autonomy, eight weeks after the deal closed.

The new platform processes unstructured information, such as telephone calls, emails and video, and structured data in databases, making all forms of information searchable, HP’s vice-president of information management, Mike Lynch, said.

Lynch, who founded Autonomy, said on Tuesday the launch showed the rationale behind the deal. “We believe fundamentally that information is moving away from the rows and columns of databases, which has powered the industry for 40 years.”

HP has started selling Autonomy’s technology, used by governments and multinationals, to small and medium-sized firms, he said.

It acquired Autonomy as part of a shift toward higher-margin software that was accelerated with the arrival of former chief executive Leo Apotheker.

Shareholders were less enthusiastic about Apotheker’s changes, resulting in his ousting in favor of former eBay boss Meg Whitman in September.

Lynch said he was relishing the opportunities available as part of the bigger group and, even after pocketing hundreds of millions of pounds from the deal, he was sticking around.

Many other Autonomy employees also received large payouts.

Laptop Wi-Fi said to nuke sperm, but caveats abound

(Reuters Health) – The digital age has left men’s nether parts in a squeeze, if you believe the latest science on semen, laptops and wireless connections.

In a report in the venerable medical journal Fertility and Sterility, Argentinian scientists describe how they got semen samples from 29 healthy men, placed a few drops under a laptop connected to the Internet via Wi-Fi and then hit download.

Four hours later, the semen was, eh, well-done.

A quarter of the sperm were no longer swimming around, for instance, compared to just 14 percent from semen samples stored at the same temperature away from the computer.

And nine percent of the sperm showed DNA damage, three-fold more than the comparison samples.

The culprit? Electromagnetic radiation generated during wireless communication, say Conrado Avendano of Nascentis Medicina Reproductiva in Cordoba and colleagues.

“Our data suggest that the use of a laptop computer wirelessly connected to the internet and positioned near the male reproductive organs may decrease human sperm quality,” they write in their report.

“At present we do not know whether this effect is induced by all laptop computers connected by Wi-Fi to the internet or what use conditions heighten this effect.”

A separate test with a laptop that was on, but not wirelessly connected, found negligible EM radiation from the machine alone.

The findings fuel concerns raised by a few other research teams.

Some have found that radiation from cell phones creates feeble sperm in the lab, for example. And last year urologists described how a man’s sitting with a laptop balanced on his knees can crank up the temperature of his scrotum to levels that aren’t good for sperm. (See Reuters Health story of November 8, 2010, at reut.rs/gHmXpC.)

So between the heat and the radiation from today’s electronic devices, testicles would seem to be hard-pressed.

But that is not at all clear, said Dr. Robert Oates, who has managed to father two kids despite having both a laptop and an iPad.

The president of the Society for Male Reproduction and Urology, Oates told Reuters Health he doesn’t believe laptops are a significant threat to male reproductive health.

“This is not real-life biology, this is a completely artificial setting,” he said about the new study. “It is scientifically interesting, but to me it doesn’t have any human biological relevance.”

He added that so far, no study has ever looked at whether laptop use has any influence on fertility or pregnancy outcomes.

“Suddenly all of this angst is created for real-life actual persons that doesn’t have to be,” said Oates, also of Boston Medical Center.

According to the American Urological Association, nearly one in six couples in the US have trouble conceiving a baby, and about half the time the man is at the root of the problem.

While the impact of modern technology is still murky, lifestyle does matter, researchers say.

Earlier this month, a report in Fertility and Sterility showed that men who eat a diet rich in fruit and grains and low in red meat, alcohol and coffee have a better shot at getting their partner pregnant during fertility treatment. (See Reuters Health story of November 18, 2011, at reut.rs/v9bobG.)

“You should be keeping yourself healthy,” including staying lean, eating healthy foods, exercising, not taking drugs and not smoking, agreed Oates.

And for those laptop worries, he mused, “I don’t know how many people use laptops on their laps anyway.”

Analysis: Are Americans really shopping until they drop?

(Reuters) – One glance at the numbers for the first big weekend of holiday shopping and you might think Americans are flush with cash and spending it freely.

A survey from the National Retail Federation, an industry trade group, indicates that Americans said they spent $7.4 billion more from Thursday’s Thanksgiving through Sunday this year, compared with the same period in 2010. The news drove retail shares sharply higher and helped the U.S. stock market to rally.

But a deeper look at the data reveals it would be wrong to suggest that conspicuous consumption is back in any way. Experts warn that the report gives just a snapshot and should not be given too much weight.

“We just wouldn’t draw any firm conclusions from these numbers,” said Paul Ashworth, an economist at Capital Economics in Toronto.

Capital Economics has crunched weekly sales numbers from the International Council of Shopping Centers and found that holiday seasons that start strong tend to end weak.

In other words, consumers merely bring forward spending that they would have done later to take advantage of retailers slashing prices for “Black Friday,” the day after Thanksgiving that marks the beginning of the shopping season.

That would not be a surprise this year, with the unemployment rate stuck around 9 percent and wages struggling to keep up with inflation.

The spending data from the federation, compiled in an online survey by BIGresearch, showed that sales rose 16.4 percent overall. Inflation-adjusted hourly earnings, however, are down 1.6 percent in the 12 months through October and other figures indicate consumers have cut back on saving in recent months to keep up spending. U.S. consumer spending rose at an annual rate of 2.3 percent in the third quarter, the commerce department has said, while a different report showed that disposable income fell 2.1 percent over the same period.

Credit card use may well have made up the difference. A total of 27.3 percent of consumers surveyed by America’s Research Group said they used credit cards as their main method of purchase this weekend, up from 16.3 percent in 2010.

MasterCard said the number of transactions on its cards in the 24 hours known as Black Friday increased 17 percent from 2010. But what it did not say is how many of those transactions were made with credit cards and how many were on debit cards.

To be sure, declines in mortgage balances may have helped free up cash, as total consumer credit in the third quarter was 0.6 percent below the second-quarter level, the New York Federal Reserve said on Monday.

HOLIDAY ADJUSTMENT

One reason to be skeptical about the NRF data is that Black Friday appears to be a bigger event than it was even a few years ago. More stores participate and many opened at midnight or even earlier – during Thanksgiving Thursday – rather than waiting until 5 or 6 a.m. as they used to.

Those added shopping hours in peak season mean that year-on-year comparisons will be skewed.

And it could even distort the U.S. government’s measures of retail sales over the next two months, Ashworth said.

The monthly retail sales report, which includes sales of everything from clothing and cars to gasoline, is seasonally adjusted to strip out regular factors such as holiday shopping. But the government probably will not take changes in store opening hours or shopping habits into account.

Also, extra spending on gifts might have come at the expense of other spending, such as visits to restaurants.

“If people chose to spend more on holiday gifts but offset that by spending less on discretionary services like restaurants and movie tickets, the retail sales numbers will overstate the big picture,” Ian Shepherdson, chief U.S. economist at High Frequency Economics, said in a note.

Many experts expect consumers to go into a prolonged spending lull from now until close to Christmas, as they have in recent years.

“I think there is going to be hangover,” said independent analyst Brian Sozzi, who follows retail stocks. “You’re going to see that fatigue with the consumer.”

More data reports are already out or set to come that could help fill in the picture on consumer spending, but they have their own flaws.

ShopperTrak, which uses sensors in stores and malls to measure traffic and then interprets the data for retail clients, estimated that sales rose 6.6 percent on Black Friday.

But that data is based on only one day, a day that has become less important as more people shop on Thanksgiving Day or online.

Last year, the NRF and ShopperTrak put out post-Black Friday reports that painted vastly different pictures, with ShopperTrak showing a 0.3 percent increase in sales for Friday alone, while NRF showed a 9.2 percent increase in spending over the four-day holiday period.

In the end, the results for the holiday season were in between the two numbers, with November and December sales for retailers up 5.2 percent, according to NRF.

On Thursday, MasterCard Advisors will release SpendingPulse, a study that uses MasterCard payment systems data. But MasterCard also has to rely on estimates to come up with the non-MasterCard portion of payments.

And the data is not publicly disclosed until two days after it is released to MasterCard clients, who include buy-side analysts and retailers trying to understand consumer shopping trends.

About two dozen individual retailers will put out November sales figures this week and many will comment on Thanksgiving weekend.

But that is also a very limited sample, which does not include behemoths like discount behemoth Wal-Mart Stores Inc and electronics retailer Best Buy Co Inc. They happen to be two of the retailers cited as big winners this weekend by analysts.

And even that handful of retailer reports leaves out one big piece of information … the extent of discounting and whether that hurt profit margins.

If you are looking for that data, you will have to wait for February, when most retailers report fourth-quarter financial results.

“Black Friday strength is not particularly encouraging, as shoppers showing a greater appetite for bargains suggests tighter consumer budgets and greater risk to retailer margins,” Goldman Sachs analysts said in a research note.

Expanded museum gives boost to Tel Aviv art scene

(Reuters) – Tel Aviv’s recently expanded modern art museum, with its dazzling new building no less an attraction than the art showcased inside, has given a home to hundreds of displaced Israeli works and helped boost the city’s cultural scene.

The new wing, designed by Massachusetts architect Preston Scott Cohen, has doubled the size of the Tel Aviv Museum of Art by 19,000 square meters (200,000 square feet) and lured a growing number of art fans through its new, triangular concrete and glass complex since its November 3 unveiling.

“There has never been an exhibit that fully reflected Israeli art, and now there is,” said the museum’s acting director Shuli Kislev. “Tel Aviv received a wonderful gift.”

The reason for the four-year, $50 million building project, she said, was to provide a space for the collection of Israeli art that was growing in the museum’s storage rooms.

Many of the newly displayed pieces include elements of Israeli society, from military conscription to the agricultural communes known as kibbutzim.

And alongside the locals, works by renown German artist Anselm Kieffer, which were inspired by Jewish faith and mysticism, make up a special exhibit for the new wing’s opening.

But perhaps as much a pull as the artwork is the building itself.

Individual, rectangular galleries are leveled around an 87-foot-tall, spiraling atrium known as the “lightfall,” where sunlight is reflected against angled walls from top to bottom. Visitors can see through the atrium to other floors and halls.

The museum is next door to Israel’s opera house and a short walk from both the Tel Aviv cinema and the national theater — which reopened this month after years of renovation, adding another spark to the country’s cultural hub.

Israeli video artist Shah Marcus said the museum’s addition brings tremendous exposure for him and his peers.

A four-and-a-half minute video of him driving through his hometown of Petal Tikva, waving like a celebrity from a convertible to indifferent pedestrians, is on display in the new wing.

“A lot of curators and art dealers have come to the museum, saw my work here and took it all over the world,” he said. “It is very important for the Israeli art scene.”

Europe bond yields to keep stocks spellbound

(Reuters) – U.S. investors came to the Thanksgiving holiday table on Thursday mostly thankful that the week was a short one, or losses could have been larger.

As another round of news and bond auctions from Europe begins next week, traders will watch closely sovereign bond yields that have kept markets on edge.

Yields rose in almost every euro-zone country this week, and Germany failed to find enough bids for a 10-year auction. The S&P 500 reacted by posting a second straight week of declines and its worst week in two months.

Politicians are scrambling to find a way out of a two-year-old sovereign debt crisis in the euro zone and a visit to Washington from top European Union officials, as well as a meeting of euro-zone finance ministers, will provide the market with headlines and possibly add to uncertainty.

With the specter of rising yields, France, Britain, Italy, Belgium and Spain are holding debt sales next week. The direction of bond yields will determine the direction of equity markets.

“Politicians are trying to buy themselves time so austerity measures kick in and impact budgets and deficits and markets become more forgiving and rates come down,” said Wasif Latif, vice president of equity investments at the San Antonio, Texas-based USAA Investment Management, which manages about $45 billion.

“The credit market and fixed income are a little bit more in the eye of storm; that’s where the issue is rising, so equities are more reactionary,” he said. “You may continue to see more of the same.”

Investors have worried about rising borrowing costs in many euro-zone nations, but Italy, the third-largest euro zone economy, has grabbed most of the focus. On Friday Rome paid a record 6.5 percent to borrow for six months and almost 8 percent to issue two-year zero coupon bonds.

Many market participants have said that the sharply differentiated risk-on and -off trades that the euro zone crisis has generated has seen equities being sold as an asset class, with little or no difference between strong and week balance sheets and earnings reports. But a wedge has opened at least from a global perspective, as data show stocks of companies with more exposure to Europe are underperforming.

POLITICS TO DRIVE THE WEEK

President Barack Obama will meet on Monday with European Council President Herman van Rompuy and European Commission President Jose Manuel Barroso, and Europe’s response to the two-year sovereign debt crisis is expected to top the agenda.

“The only thing that will come out of that is speculation,” said Todd Salamone, vice president of research at Schaeffer’s Investment Research in Cincinnati, referring to the meeting in Washington.

“It will come down to the U.S. trying to convince European leaders to get something in place to solve this crisis.”

Not many hopes are set either on Tuesday’s meeting where euro-zone finance ministers are expected to agree on how to further strengthen the region’s bailout fund.

On Thursday, European Central Bank President Mario Draghi presents the bank’s annual report to the European parliament.

As the latest reminder from markets to politicians that they are running out of time, Belgium’s credit rating was downgraded by Standard & Poor’s.

IF EUROPE ALLOWS, DATA WILL BE KEY

Some of the most important U.S. economic monthly data will be released next week, but will it be enough to unlink the stock market’s behavior and European yields.

New home sales and the S&P/Case-Shiller home prices index will start the week showing if the housing market continues on life support. Data on confidence among consumers, who flooded U.S. stores on Friday as the holiday shopping season started, will be released on Tuesday.

The Institute for Supply Management’s manufacturing report is due, with investors not only looking at the U.S. number on Wednesday but also factory readings from Europe and China on Thursday.

By midweek labor data takes over with the private sector employment report from ADP and Challenger’s job cuts report, followed Thursday by the weekly jobless claims numbers and topped by Friday’s monthly non-farm payrolls report.

“It would be a little bit refreshing to focus on the U.S. data for a change,” said Brian Lazorishak, senior quantitative analyst and portfolio manager at Chase Investment Counsel in Charlottesville, Virginia.

He said if European headlines allow it, the focus will be in the labor market where “most people are looking for modest improvement.”

Germany, France plan quick new Stability Pact: report

(Reuters) – France and Germany are planning a quick new pact on budget discipline that might persuade the European Central Bank to ramp up its government bond purchases, Welt am Sonntag reported on Sunday.

Echoing a Reuters report on Friday from Brussels, the Sunday newspaper said the French and German leaders were prepared to back a deal with other euro countries that might induce the ECB to intervene more forcefully to calm the euro debt crisis.

The newspaper report quoted German government sources as saying that the crisis fighting plan could possibly be announced by German Chancellor Angela Merkel and French President Nicolas Sarkozy in the coming week.

In an advance release before publication, Welt am Sonntag said that because it would take too long to change existing European Union treaties, euro zone countries should just agree among themselves on a new Stability Pact to enforce budget discipline – possibly implemented at the start of 2012.

It could be similar to the Schengen Agreement which applies to EU countries that choose to take part and enables their citizens to enjoy uninhibited cross border travel. Among the countries in the Stability Pact, there would be a treaty spelling out strict deficit rules and control rights for national budgets.

The European Central Bank should also emerge more as a crisis fighter in the euro zone, Welt am Sonntag wrote, saying that while governments cannot tell the independent ECB what to do, the expectations are clear.

“Based upon these measures, there should be a majority within the ECB for a stronger intervention in capital markets,” Welt am Sonntag said. It quotes a central banker as saying: “If the politicians can agree to a comprehensive step, the ECB will jump in and help.”

The ECB, which cannot directly finance governments, has been buying Italian and Spanish bonds on the open market since August to try to keep down borrowing costs for the euro zone’s third and fourth largest economies.

Yields on Italian and Spanish debt have nonetheless climbed in recent weeks, despite the ECB intervention and the appointment of a new technocrat government in Rome and the election of the conservative Popular Party in Madrid.

In Brussels on Friday, euro zone officials said a push by euro zone countries toward very close fiscal integration could give the ECB the necessary room for maneuver to scale up euro zone bond purchases and stabilize markets.

France’s Journal du Dimanche newspaper said reforms to Europe’s economic governance would be the focus of a speech which Sarkozy will deliver in the Mediterranean port of Toulon on Thursday.

“The European Commission could take on supra-national powers,” said one French presidency source, according to the newspaper, saying that Brussels would supervise the decisions of countries at risk of default, provided they request this.

“National parliaments will retain the initiative over the (policy) efforts to be made,” one French negotiator told the paper.

The European Commission, the EU executive arm, put forward proposals on Wednesday to grant it intrusive powers of approval of euro zone budgets before they are submitted to national parliaments, which, if approved, would effectively mean ceding some national sovereignty over budgets.

Berlin, meanwhile, is pushing to change the European Union treaty so that a country could be sued for breach of EU budget rules in the European Court of Justice.

Le Figaro said there was resistance within Sarkozy’s government to allowing France’s budgets to be submitted for scrutiny by an “intergovernmental conference” in Brussels, but the president would seek to rally support for this.

A closer fiscal union could eventually pave the way for joint debt issuance for the euro zone, where countries would be liable for each others’ debts.

Germany strongly opposes the joint issuance idea fearing spendthrift countries would piggyback on its low borrowing costs – meaning no gain for the virtuous and no pain for the sinners.