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Thursday, May 31, 2007

Different Types of Investments

Overall, there are three different kinds of investments. These include stocks, bonds, and cash. Sounds simple, right? Well, unfortunately, it gets very complicated from there. You see, each type of investment has numerous types of investments that fall under it.

There is quite a bit to learn about each different investment type. The stock market can be a big scary place for those who know little or nothing about investing. Fortunately, the amount of information that you need to learn has a direct relation to the type of investor that you are. There are also three types of investors: conservative, moderate, and aggressive. The different types of investments also cater to the two levels of risk tolerance: high risk and low risk.

Conservative investors often invest in cash. This means that they put their money in interest bearing savings accounts, money market accounts, mutual funds, US Treasury bills, and Certificates of Deposit. These are very safe investments that grow over a long period of time. These are also low risk investments.

Moderate investors often invest in cash and bonds, and may dabble in the stock market. Moderate investing may be low or moderate risks. Moderate investors often also invest in real estate, providing that it is low risk real estate.

Aggressive investors commonly do most of their investing in the stock market, which is higher risk. They also tend to invest in business ventures as well as higher risk real estate. For instance, if an aggressive investor puts his or her money into an older apartment building, then invests more money renovating the property, they are running a risk. They expect to be able to rent the apartments out for more money than the apartments are currently worth – or to sell the entire property for a profit on their initial investments. In some cases, this works out just fine, and in other cases, it doesn’t. It’s a risk.

Before you start investing, it is very important that you learn about the different types of investments, and what those investments can do for you. Understand the risks involved, and pay attention to past trends as well. History does indeed repeat itself, and investors know this first hand!

Different Types of Bonds

Investing in bonds is very safe, and the returns are usually very good. There are four basic types of bonds available and they are sold through the Government, through corporations, state and local governments, and foreign governments.

The greatest thing about bonds is that you will get your initial investment back. This makes bonds the perfect investment vehicle for those who are new to investing, or for those who have a low risk tolerance.

The United States Government sells Treasury Bonds through the Treasury Department. You can purchase Treasury Bonds with maturity dates ranging from three months to thirty years.

Treasury bonds include Treasury Notes (T-Notes), Treasury Bills (T-Bills), and Treasury Bonds. All Treasury bonds are backed by the United States Government, and tax is only charged on the interest that the bonds earn.

Corporate bonds are sold through public securities markets. A corporate bond is essentially a company selling its debt. Corporate bonds usually have high interest rates, but they are a bit risky. If the company goes belly-up, the bond is worthless.

State and local Governments also sell bonds. Unlike bonds issued by the federal government, these bonds usually have higher interest rates. This is because State and Local Governments can indeed go bankrupt – unlike the federal government.

State and Local Government bonds are free from income taxes – even on the interest. State and local taxes may also be waived. Tax-free Municipal Bonds are common State and Local Government Bonds.

Purchasing foreign bonds is actually very difficult, and is often done as part of a mutual fund. It is often very risky to invest in foreign countries. The safest type of bond to buy is one that is issued by the US Government.

The interest may be a bit lower, but again, there is little or no risk involved. For best results, when a bond reaches maturity, reinvest it into another bond.

Saturday, May 26, 2007

Determining Where You Will Invest

There are several different types of investments, and there are many factors in determining where you should invest your funds.

Of course, determining where you will invest begins with researching the various available types of investments, determining your risk tolerance, and determining your investment style – along with your financial goals.

If you were going to purchase a new car, you would do quite a bit of research before making a final decision and a purchase. You would never consider purchasing a car that you had not fully looked over and taken for a test drive. Investing works much the same way.

You will of course learn as much about the investment as possible, and you would want to see how past investors have done as well. It’s common sense!

Learning about the stock market and investments takes a lot of time… but it is time well spent. There are numerous books and websites on the topic, and you can even take college level courses on the topic – which is what stock brokers do. With access to the Internet, you can actually play the stock market – with fake money – to get a feel for how it works.

You can make pretend investments, and see how they do. Do a search with any search engine for ‘Stock Market Games’ or ‘Stock Market Simulations.’ This is a great way to start learning about investing in the stock market.

Other types of investments – outside of the stock market – do not have simulators. You must learn about those types of investments the hard way – by reading.

As a potential investor, you should read anything you can get your hands on about investing…but start with the beginning investment books and websites first. Otherwise, you will quickly find that you are lost.

Finally, speak with a financial planner. Tell them your goals, and ask them for their suggestions – this is what they do! A good financial planner can easily help you determine where to invest your funds, and help you set up a plan to reach all of your financial goals. Many will even teach you about investing along the way – make sure you pay attention to what they are telling you!

Tuesday, May 22, 2007

Determine Your Risk Tolerance

Each individual has a risk tolerance that should not be ignored. Any good stock broker or financial planner knows this, and they should make the effort to help you determine what your risk tolerance is. Then, they should work with you to find investments that do not exceed your risk tolerance.

Determining one’s risk tolerance involves several different things. First, you need to know how much money you have to invest, and what your investment and financial goals are.

For instance, 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 – because you will need to do some aggressive – risky – 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.

Realize 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. Again, there is a lot in determining 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 money 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 money ride and see what happens. This is not based on what your financial goals are. This tolerance is based on how you feel about your money!

Again, a good financial planner or stock broker should help you determine the level of risk that you are comfortable with, and help you choose your investments accordingly.

Your risk tolerance should be based on what your financial goals are and how you feel about the possibility of losing your money. It’s all tied in together.

Choosing a Broker

Depending on the type of investing that you plan to do, you may need to hire a broker to handle your investments for you. Brokers work for brokerage houses and have the ability to buy and sell stock on the stock exchange. You may wonder if you really need a broker. The answer is yes. If you intend to buy or sell stocks on the stock exchange, you must have a broker.

Stockbrokers are required to pass two different tests in order to obtain their license. These tests are very difficult, and most brokers have a background in business or finance, with a Bachelors or Masters Degree.

It is very important to understand the difference between a broker and a stock market analyst. An analyst literally analyzes the stock market, and predicts what it will or will not do, or how specific stocks will perform. A stock broker is only there to follow your instructions to either buy or sell stock… not to analyze stocks.

Brokers earn their money from commissions on sales in most cases. When you instruct your broker to buy or sell a stock, they earn a set percentage of the transaction. Many brokers charge a flat ‘per transaction’ fee.

There are two types of brokers: Full service brokers and discount brokers. Full service brokers can usually offer more types of investments, may provide you with investment advice, and is usually paid in commissions.

Discount brokers typically do not offer any advice and do no research – they just do as you ask them to do, without all of the bells and whistles.

So, the biggest decision you must make when it come to brokers is whether you want a full service broker or a discount broker.

If you are new to investing, you may need to go with a full service broker to ensure that you are making wise investments. They can offer you the skill that you lack at this point. However, if you are already knowledgeable about the stock market, all you really need is a discount broker to make your trades for you.

Thursday, May 17, 2007

About Online Trading

The invention of the Internet has brought about many changes in the way that we conduct our lives and our personal business. We can pay our bills online, shop online, bank online, and even date online!

We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.

Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.

If you are new to investing, having the ability to actually speak with a broker can be quite beneficial. If you aren’t stock market savvy, online trading may be a dangerous thing for you. If this is the case, make sure that you learn as much as you can about trading stocks before you start trading online.

You should also be aware that you don’t have a computer with Internet access attached to you. You won’t always have the ability to get online to make a trade. You need to be sure that you can call and speak with a broker if this is the case, using the online broker. This is true whether you are an advanced trader or a beginner.

It is also a good idea to go with an online brokerage company that has been around for a while. You won’t find one that has been in business for fifty years of course, but you can find a company that has been in business that long and now offers online trading.

Again, online trading is a beautiful thing – but it isn’t for everyone. Think carefully before you decide to do your trading online, and make sure that you really know what you are doing!

Why Should I Make a Budget?

You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny.

You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.

That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.

If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.

The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.

See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.

Set some specific long term and short term goals. There are no wrong answers here. If it’s important to you, then it’s important period.

If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.

Friday, May 11, 2007

The Search Spider

Theoretically, a spider can begin traveling the internet from a single web page and follows networks of links to grab information from your Web pages. The information it grabs is sorted according to specific algorithms or different criteria when determining their ranking system. One problem of search engine positioning is that search engines are always changing their algorithms. This means that each one will sort out the information that is needed for their database. One engine may consider a particular factor such as "popularity" to be important while another may look at "themes" to be the most important information.

The spider will visit the web page and perform the following tasks:
1. confirm the existence of the web page; may index at that time or come back at a later date
2. index page content (using partial or full-text indexing)
3. identify all hyperlinks to other Web resources (this is an indication of popularity and is becoming increasingly important)
4. proceed to follow the hyperlinks, visiting the referenced Web pages and repeating steps 1-3 above

Most spiders "crawl" the Web on a schedule and when Internet network traffic is at its lowest, such as during the middle of the night.It is then there is a change of search results on major seos like google,altavista and etc.

Wednesday, May 9, 2007

The Budget – The Ultimate Financial Management Tool

A carpenter uses a set of house plans to build a house. If he didn’t the bathroom might get overlooked altogether.

Rocket Scientists would never begin construction on a new booster rocket without a detailed set of design specifications. Yet most of us go blindly out into the world without an inkling of an idea about finances and without any plan at all.

Not very smart of us, is it?

A money plan is called a budget and it is crucial to get us to our desired financial goals.

Without a plan we will drift without direction and end up marooned on a distant financial reef.

If you have a spouse or a significant other, you should make this budget together. Sit down and figure out what your joint financial goals are…long term and short term.

Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.

A budget should never be a financial starvation diet. That won’t work for the long haul. Make reasonable allocations for food, clothing, shelter, utilities and insurance and set aside a reasonable amount for entertainment and the occasional luxury item. Savings should always come first before any spending.

Even a small amount saved will help you reach your long term and short term financial goals. You can find many budget forms on the internet. Just use any search engine you choose and type in “free budget forms”.

You’ll get lots of hits. Print one out and work on it with your spouse or significant other. Both of you will need to be happy with the final result and feel like it’s something you can stick to.

Spend Wisely to Save Money

Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to creep up and up.

All it takes for the price to jump up by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.

There is a way that we can keep these price increases from impacting our personal finances so much and that is by buying in quantity and finding the best possible prices for the things we use and will continue to use everyday… things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.

For instance, dog food and cat food costs about 10% less when bought by the case than it does when bought at the single can price and if you wait for close out prices you save a lot more than that.

Set aside some space in your home and make a list of things that you use regularly which will not spoil. Any grain or grain products will need to be stored in airtight containers that rats can’t get into so keep that in mind.

Then set out to find the best prices you can get on quantity purchases of such things as bathroom items and dry and canned food.

You will be surprised at how much you can save by buying a twenty pound bag of rice as opposed to a one pound bag but don’t forget that it must be kept in a rat proof container.

You can buy some clothing items such as men’s socks and underwear because those styles don’t change, avoid buying children’s and women’s clothing, those styles change and sizes change too drastically.

Try to acquire and keep a two year supply of these items and you can save hundreds of dollars.

Monday, May 7, 2007

Online Currency Trading and the FOREX Market - A Flexible Alternative to Commodity Trading

Online Currency Trading and the FOREX Market - A Flexible Alternative to Commodity Trading
By Geoff Morris
Online currency trading takes on more than just a speculators or investors role in today's complex markets. If you are running a multi-company trading business, or even if you are 'just' a property Read Forex more...
Introduction to Forex Trading
By Justin Gunther
Forex is an abbreviation for Foreign Exchange, the system by which one currency is exchanged for another. For such reasons, an exchange rate needs to be established between currencies of all Read Forex more...
FOREX or Futures. Where to Trade
By Steve Welker
Our modern futures market originated in the 19th century when farmers began selling contracts to deliver agricultural products at a later time. They did this to attempt to anticipate market needs and Read Forex more...
Is The FOREX The Market To Trade Your Way to Riches?
By Abigail Franks
Ever watch the news and see the ending FOREX trades of the currency markets? They're usually based on how individual currencies traded against the dollar. FOREX is the abbreviation for the Foreign Read Forex more...
Forex Trading: The Fear Factor
By Michael J Campbell
Market knowledge and ability to understand analysis will only get you so far in forex trading, but without the nerve to actively compete risking your own money in the process you can never become a Read Forex more...
What is Forex Trading?
By Dick Web
FOREX, (FOReign EXchange market) or FX, is an international exchange market where stocks and shares are not traded, but currency. The return for the investor is not in the value of the currency per Read Forex more...
Learn Forex trading
By Sebastian Funs
FOREX can be very beneficial to a number of people. FOREX investment is simple and investments can be done either over a long period of time or in a short period of time. Investors make a lot of Read Forex more...
Tips For Profitable FOREX Trading
By Susan Jan
FOREX trading appeals to many traders for several reasons other than its potential for profitable trading:1. FOREX trading offers a 24-hour market so that any trader can take Read Forex more...
Boost FOREX Trading Profits Using These 3 Simple Guidelines
By Roxanne Manning
FOREX trading is nothing more than direct access trading of different types of foreign currencies. In the past, foreign exchange trading was mostly limited to large banks and institutional traders. Read Forex more...
How To Read Forex Charts: 5 Things You Must Know
By Mark Hamburg
Learning the basic skills in forex, such as how to read forex charts, is really important.This is because once you have this vital skill under your belt, it will be a lot easier and Read Forex more...
What is an Online Forex Trading?
By Arturo Ronzon
For-ex stands for Foreign Exchange; it is a global market for dealing currencies at floating exchange rates. The foreign exchange is world’s biggest currency market, on an average everyday dollar one Read Forex more...
Why FOREX Trading?
By Gay Redmile
FOREX (foreign exchange) trading is the buying and selling of currencies. Currencies are always bought and sold in pairs. As a forex trader you are speculating that the currency you are buying is Read Forex more...
(Forex) Forex Investing at the Right Time - The 10 am Rule and How it works
By David Jenyns
Sometimes it`s wise not to be the early bird when investing in forex, instead wait and see what the day will bring before you take action. The 10 A.M. rule is a great example of this concept, and is Read Forex more...
Finding a Forex Broker
By Arturo Ronzon
Foreign exchange is the largest financial market and everyday new investors plan to jump in when they learn of the benefits, that is, high returns on investment which is as high as 20% per month a Read Forex more...
5 Things You Must Do If You Want To Attain Financial Freedom Through Forex Trading
By Eddie Yakubovich
With the amazing growth of the forex market, you are going to see an astounding amount of traders lose all their money. Unfortunately, they haven't followed the simple steps I have laid out for you. Read Forex more...
I Found the FOREX Holy Grail...Do You Want It?
By Eddie Yakubovich
Sound familiar? Well, it should. Every time you read about a managed fund, or FOREX trading system, this is exactly what your are buying into. Obviously, you would never give your money to a fund Read Forex more...
Forex Trading Strategies
By Gay Redmile
The world of trading and investment can be as frustrating as it can be rewarding! And FOREX (Foreign Exchange) is no exception - often described as risky, profitable and Read Forex more...
Forex Currency Trading System
By Eric Nester
Forex Currency Trading System If you are familiar with trading in the stock market, Forex currency trading system is very similar where you speculate on the exchange rate Read Forex more...
Learn By Hands On Forex Trading: Demo Accounts Vs Mini Accounts
By Amber Lowery
If you are new to Forex, you are likely overwhelmed by the sheer amount of information you are finding about currency trading. Although the concept of trading the currency markets is simple to Read Forex more...
Forex Trading Software
By Amber Lowery
If you are looking to get started trading the Forex, you will find that there are numerous software programs available (both web based and desktop based) for you to use in your trading. In fact, most Read Forex more...
An Open Invitation To Frustrated Forex Traders That Desire Unlimited Success In The Market - Part 1
By David Jenyns
Why does one Forex traders succeed and another fail? What sets the winners apart from the losers? Well, you won`t be surprised to know that there are certain characteristics that all successful Forex Read Forex more...
Forex Trading
By Charles Fuchs
Forex trading has been growing rapidly among day traders since the 1990s, as day traders have seen the advantages that trading currencies can have over trading stocks. However, since there are fewer Read Forex more...
Day Trading, Forex or Currencies Back Testing - A Way to Improve Your Trading Score
By David Jenyns
You can draw some useful parallels between running a business and Day Trading, Forex or Currencies trading. For instance, most successful businesses keep statistics on everything from their Read Forex more...
Day trading forex market behaviour
By Jay Moncliff
Just as a day trader will closely track stock price movements on the Dow Jones Industrial Average, all over the world forex traders monitor currency fluctuations in a similar Read Forex more...
How To Loose Everything - The Worst Forex Trading Strategy Ever That You Might Be Using
By David Jenyns
You may be wondering, `Why would David Jenyns write about the worst Forex trading strategy around?`There are a couple of reasons: First, to warn you about the worst Read Forex more...
A Sneaky Way to Steal Someone Else`s Forex Trading System
By David Jenyns
Anyone who is serious about trading needs to have a Forex Trading System that is tailored to them, but there is no reason to start constructing your Forex trading system from Read Forex more...
Interested in FOREX Trading?
By Jill Kane
The Foreign Exchange Market (FOREX) has no central exchange location yet it is the largest financial market in the world. It is over 3x's the size of the stock and futures markets combined and Read Forex more...
Online Currency Trading and the FOREX Market - A Flexible Alternative to Commodity Trading
By Geoff Morris
Online currency trading takes on more than just a speculators or investors role in today's complex markets. If you are running a multi-company trading business, or even if you are 'just' a property Read Forex more...
Introduction to Forex Trading
By Justin Gunther
Forex is an abbreviation for Foreign Exchange, the system by which one currency is exchanged for another. For such reasons, an exchange rate needs to be established between currencies of all Read Forex more...
FOREX or Futures. Where to Trade
By Steve Welker
Our modern futures market originated in the 19th century when farmers began selling contracts to deliver agricultural products at a later time. They did this to attempt to anticipate market needs and Read Forex more...
Is The FOREX The Market To Trade Your Way to Riches?
By Abigail Franks
Ever watch the news and see the ending FOREX trades of the currency markets? They're usually based on how individual currencies traded against the dollar. FOREX is the abbreviation for the Foreign Read Forex more...
Forex Trading: The Fear Factor
By Michael J Campbell
Market knowledge and ability to understand analysis will only get you so far in forex trading, but without the nerve to actively compete risking your own money in the process you can never become a Read Forex more...
What is Forex Trading?
By Dick Web
FOREX, (FOReign EXchange market) or FX, is an international exchange market where stocks and shares are not traded, but currency. The return for the investor is not in the value of the currency per Read Forex more...
Learn Forex trading
By Sebastian Funs
FOREX can be very beneficial to a number of people. FOREX investment is simple and investments can be done either over a long period of time or in a short period of time. Investors make a lot of Read Forex more...
Tips For Profitable FOREX Trading
By Susan Jan
FOREX trading appeals to many traders for several reasons other than its potential for profitable trading:1. FOREX trading offers a 24-hour market so that any trader can take Read Forex more...
Boost FOREX Trading Profits Using These 3 Simple Guidelines
By Roxanne Manning
FOREX trading is nothing more than direct access trading of different types of foreign currencies. In the past, foreign exchange trading was mostly limited to large banks and institutional traders. Read Forex more...
How To Read Forex Charts: 5 Things You Must Know
By Mark Hamburg
Learning the basic skills in forex, such as how to read forex charts, is really important.This is because once you have this vital skill under your belt, it will be a lot easier and Read Forex more...
What is an Online Forex Trading?
By Arturo Ronzon
For-ex stands for Foreign Exchange; it is a global market for dealing currencies at floating exchange rates. The foreign exchange is world’s biggest currency market, on an average everyday dollar one Read Forex more...
Why FOREX Trading?
By Gay Redmile
FOREX (foreign exchange) trading is the buying and selling of currencies. Currencies are always bought and sold in pairs. As a forex trader you are speculating that the currency you are buying is Read Forex more...
(Forex) Forex Investing at the Right Time - The 10 am Rule and How it works
By David Jenyns
Sometimes it`s wise not to be the early bird when investing in forex, instead wait and see what the day will bring before you take action. The 10 A.M. rule is a great example of this concept, and is Read Forex more...
Finding a Forex Broker
By Arturo Ronzon
Foreign exchange is the largest financial market and everyday new investors plan to jump in when they learn of the benefits, that is, high returns on investment which is as high as 20% per month a Read Forex more...
5 Things You Must Do If You Want To Attain Financial Freedom Through Forex Trading
By Eddie Yakubovich
With the amazing growth of the forex market, you are going to see an astounding amount of traders lose all their money. Unfortunately, they haven't followed the simple steps I have laid out for you. Read Forex more...
I Found the FOREX Holy Grail...Do You Want It?
By Eddie Yakubovich
Sound familiar? Well, it should. Every time you read about a managed fund, or FOREX trading system, this is exactly what your are buying into. Obviously, you would never give your money to a fund Read Forex more...
Forex Trading Strategies
By Gay Redmile
The world of trading and investment can be as frustrating as it can be rewarding! And FOREX (Foreign Exchange) is no exception - often described as risky, profitable and Read Forex more...
Forex Currency Trading System
By Eric Nester
Forex Currency Trading System If you are familiar with trading in the stock market, Forex currency trading system is very similar where you speculate on the exchange rate Read Forex more...
Learn By Hands On Forex Trading: Demo Accounts Vs Mini Accounts
By Amber Lowery
If you are new to Forex, you are likely overwhelmed by the sheer amount of information you are finding about currency trading. Although the concept of trading the currency markets is simple to Read Forex more...
Forex Trading Software
By Amber Lowery
If you are looking to get started trading the Forex, you will find that there are numerous software programs available (both web based and desktop based) for you to use in your trading. In fact, most Read Forex more...
An Open Invitation To Frustrated Forex Traders That Desire Unlimited Success In The Market - Part 1
By David Jenyns
Why does one Forex traders succeed and another fail? What sets the winners apart from the losers? Well, you won`t be surprised to know that there are certain characteristics that all successful Forex Read Forex more...
Forex Trading
By Charles Fuchs
Forex trading has been growing rapidly among day traders since the 1990s, as day traders have seen the advantages that trading currencies can have over trading stocks. However, since there are fewer Read Forex more...
Day Trading, Forex or Currencies Back Testing - A Way to Improve Your Trading Score
By David Jenyns
You can draw some useful parallels between running a business and Day Trading, Forex or Currencies trading. For instance, most successful businesses keep statistics on everything from their Read Forex more...
Day trading forex market behaviour
By Jay Moncliff
Just as a day trader will closely track stock price movements on the Dow Jones Industrial Average, all over the world forex traders monitor currency fluctuations in a similar Read Forex more...
How To Loose Everything - The Worst Forex Trading Strategy Ever That You Might Be Using
By David Jenyns
You may be wondering, `Why would David Jenyns write about the worst Forex trading strategy around?`There are a couple of reasons: First, to warn you about the worst Read Forex more...
A Sneaky Way to Steal Someone Else`s Forex Trading System
By David Jenyns
Anyone who is serious about trading needs to have a Forex Trading System that is tailored to them, but there is no reason to start constructing your Forex trading system from Read Forex more...
Interested in FOREX Trading?
By Jill Kane
The Foreign Exchange Market (FOREX) has no central exchange location yet it is the largest financial market in the world. It is over 3x's the size of the stock and futures markets combined and Read Forex more...
Online Currency Trading and the FOREX Market - A Flexible Alternative to Commodity Trading
By Geoff Morris
Online currency trading takes on more than just a speculators or investors role in today's complex markets. If you are running a multi-company trading business, or even if you are 'just' a property Read Forex more...
Introduction to Forex Trading
By Justin Gunther
Forex is an abbreviation for Foreign Exchange, the system by which one currency is exchanged for another. For such reasons, an exchange rate needs to be established between currencies of all Read Forex more...
FOREX or Futures. Where to Trade
By Steve Welker
Our modern futures market originated in the 19th century when farmers began selling contracts to deliver agricultural products at a later time. They did this to attempt to anticipate market needs and Read Forex more...
Is The FOREX The Market To Trade Your Way to Riches?
By Abigail Franks
Ever watch the news and see the ending FOREX trades of the currency markets? They're usually based on how individual currencies traded against the dollar. FOREX is the abbreviation for the Foreign Read Forex more...
Forex Trading: The Fear Factor
By Michael J Campbell
Market knowledge and ability to understand analysis will only get you so far in forex trading, but without the nerve to actively compete risking your own money in the process you can never become a Read Forex more...
What is Forex Trading?
By Dick Web
FOREX, (FOReign EXchange market) or FX, is an international exchange market where stocks and shares are not traded, but currency. The return for the investor is not in the value of the currency per Read Forex more...
Learn Forex trading
By Sebastian Funs
FOREX can be very beneficial to a number of people. FOREX investment is simple and investments can be done either over a long period of time or in a short period of time. Investors make a lot of Read Forex more...
Tips For Profitable FOREX Trading
By Susan Jan
FOREX trading appeals to many traders for several reasons other than its potential for profitable trading:1. FOREX trading offers a 24-hour market so that any trader can take Read Forex more...
Boost FOREX Trading Profits Using These 3 Simple Guidelines
By Roxanne Manning
FOREX trading is nothing more than direct access trading of different types of foreign currencies. In the past, foreign exchange trading was mostly limited to large banks and institutional traders. Read Forex more...
How To Read Forex Charts: 5 Things You Must Know
By Mark Hamburg
Learning the basic skills in forex, such as how to read forex charts, is really important.This is because once you have this vital skill under your belt, it will be a lot easier and Read Forex more...
What is an Online Forex Trading?
By Arturo Ronzon
For-ex stands for Foreign Exchange; it is a global market for dealing currencies at floating exchange rates. The foreign exchange is world’s biggest currency market, on an average everyday dollar one Read Forex more...
Why FOREX Trading?
By Gay Redmile
FOREX (foreign exchange) trading is the buying and selling of currencies. Currencies are always bought and sold in pairs. As a forex trader you are speculating that the currency you are buying is Read Forex more...
(Forex) Forex Investing at the Right Time - The 10 am Rule and How it works
By David Jenyns
Sometimes it`s wise not to be the early bird when investing in forex, instead wait and see what the day will bring before you take action. The 10 A.M. rule is a great example of this concept, and is Read Forex more...
Finding a Forex Broker
By Arturo Ronzon
Foreign exchange is the largest financial market and everyday new investors plan to jump in when they learn of the benefits, that is, high returns on investment which is as high as 20% per month a Read Forex more...
5 Things You Must Do If You Want To Attain Financial Freedom Through Forex Trading
By Eddie Yakubovich
With the amazing growth of the forex market, you are going to see an astounding amount of traders lose all their money. Unfortunately, they haven't followed the simple steps I have laid out for you. Read Forex more...
I Found the FOREX Holy Grail...Do You Want It?
By Eddie Yakubovich
Sound familiar? Well, it should. Every time you read about a managed fund, or FOREX trading system, this is exactly what your are buying into. Obviously, you would never give your money to a fund Read Forex more...
Forex Trading Strategies
By Gay Redmile
The world of trading and investment can be as frustrating as it can be rewarding! And FOREX (Foreign Exchange) is no exception - often described as risky, profitable and Read Forex more...
Forex Currency Trading System
By Eric Nester
Forex Currency Trading System If you are familiar with trading in the stock market, Forex currency trading system is very similar where you speculate on the exchange rate Read Forex more...
Learn By Hands On Forex Trading: Demo Accounts Vs Mini Accounts
By Amber Lowery
If you are new to Forex, you are likely overwhelmed by the sheer amount of information you are finding about currency trading. Although the concept of trading the currency markets is simple to Read Forex more...
Forex Trading Software
By Amber Lowery
If you are looking to get started trading the Forex, you will find that there are numerous software programs available (both web based and desktop based) for you to use in your trading. In fact, most Read Forex more...
An Open Invitation To Frustrated Forex Traders That Desire Unlimited Success In The Market - Part 1
By David Jenyns
Why does one Forex traders succeed and another fail? What sets the winners apart from the losers? Well, you won`t be surprised to know that there are certain characteristics that all successful Forex Read Forex more...
Forex Trading
By Charles Fuchs
Forex trading has been growing rapidly among day traders since the 1990s, as day traders have seen the advantages that trading currencies can have over trading stocks. However, since there are fewer Read Forex more...
Day Trading, Forex or Currencies Back Testing - A Way to Improve Your Trading Score
By David Jenyns
You can draw some useful parallels between running a business and Day Trading, Forex or Currencies trading. For instance, most successful businesses keep statistics on everything from their Read Forex more...
Day trading forex market behaviour
By Jay Moncliff
Just as a day trader will closely track stock price movements on the Dow Jones Industrial Average, all over the world forex traders monitor currency fluctuations in a similar Read Forex more...
How To Loose Everything - The Worst Forex Trading Strategy Ever That You Might Be Using
By David Jenyns
You may be wondering, `Why would David Jenyns write about the worst Forex trading strategy around?`There are a couple of reasons: First, to warn you about the worst Read Forex more...
A Sneaky Way to Steal Someone Else`s Forex Trading System
By David Jenyns
Anyone who is serious about trading needs to have a Forex Trading System that is tailored to them, but there is no reason to start constructing your Forex trading system from Read Forex more...
Interested in FOREX Trading?
By Jill Kane
The Foreign Exchange Market (FOREX) has no central exchange location yet it is the largest financial market in the world. It is over 3x's the size of the stock and futures markets combined and Read Forex more...
Online Currency Trading and the FOREX Market - A Flexible Alternative to Commodity Trading
By Geoff Morris
Online currency trading takes on more than just a speculators or investors role in today's complex markets. If you are running a multi-company trading business, or even if you are 'just' a property Read Forex more...
Introduction to Forex Trading
By Justin Gunther
Forex is an abbreviation for Foreign Exchange, the system by which one currency is exchanged for another. For such reasons, an exchange rate needs to be established between currencies of all Read Forex more...
FOREX or Futures. Where to Trade
By Steve Welker
Our modern futures market originated in the 19th century when farmers began selling contracts to deliver agricultural products at a later time. They did this to attempt to anticipate market needs and Read Forex more...
Is The FOREX The Market To Trade Your Way to Riches?
By Abigail Franks
Ever watch the news and see the ending FOREX trades of the currency markets? They're usually based on how individual currencies traded against the dollar. FOREX is the abbreviation for the Foreign Read Forex more...
Forex Trading: The Fear Factor
By Michael J Campbell
Market knowledge and ability to understand analysis will only get you so far in forex trading, but without the nerve to actively compete risking your own money in the process you can never become a Read Forex more...
What is Forex Trading?
By Dick Web
FOREX, (FOReign EXchange market) or FX, is an international exchange market where stocks and shares are not traded, but currency. The return for the investor is not in the value of the currency per Read Forex more...
Learn Forex trading
By Sebastian Funs
FOREX can be very beneficial to a number of people. FOREX investment is simple and investments can be done either over a long period of time or in a short period of time. Investors make a lot of Read Forex more...
Tips For Profitable FOREX Trading
By Susan Jan
FOREX trading appeals to many traders for several reasons other than its potential for profitable trading:1. FOREX trading offers a 24-hour market so that any trader can take Read Forex more...
Boost FOREX Trading Profits Using These 3 Simple Guidelines
By Roxanne Manning
FOREX trading is nothing more than direct access trading of different types of foreign currencies. In the past, foreign exchange trading was mostly limited to large banks and institutional traders. Read Forex more...
How To Read Forex Charts: 5 Things You Must Know
By Mark Hamburg
Learning the basic skills in forex, such as how to read forex charts, is really important.This is because once you have this vital skill under your belt, it will be a lot easier and Read Forex more...
What is an Online Forex Trading?
By Arturo Ronzon
For-ex stands for Foreign Exchange; it is a global market for dealing currencies at floating exchange rates. The foreign exchange is world’s biggest currency market, on an average everyday dollar one Read Forex more...
Why FOREX Trading?
By Gay Redmile
FOREX (foreign exchange) trading is the buying and selling of currencies. Currencies are always bought and sold in pairs. As a forex trader you are speculating that the currency you are buying is Read Forex more...
(Forex) Forex Investing at the Right Time - The 10 am Rule and How it works
By David Jenyns
Sometimes it`s wise not to be the early bird when investing in forex, instead wait and see what the day will bring before you take action. The 10 A.M. rule is a great example of this concept, and is Read Forex more...
Finding a Forex Broker
By Arturo Ronzon
Foreign exchange is the largest financial market and everyday new investors plan to jump in when they learn of the benefits, that is, high returns on investment which is as high as 20% per month a Read Forex more...

Foreign Exchange

Term commonly used when referring to the foreign exchange market.
An abbreviated name for foreign currency. See also FX
Short for "Foreign Exchange". Refers generally to the Foreign Exchange trading industry and/or to the currencies themselves.
Industry term - Same as Foreign Exchange
An abbreviation of foreign exchange.
Any type of financial instrument that is used to make payments between countries is considered foreign exchange. The list of instruments includes electronic transactions, paper currency, checks, and signed, written orders called bills of exchange. Large-scale currency trading, with minimums of $1 million, is also considered foreign exchange and can be handled as spot price transactions, forward contract transactions, or swap contracts. ...
Forex is short for foreign exchange. When one speaks of a forex profit or loss, he is talking about the increased or decreased value of an investment caused solely by currency movements. For example, if an investor thought that the dollar was weak, he might purchase German money markets. The investor's account might earn 3% annualized, but the real profit or loss could be in how the DM (German mark) moves against the US$ (United States dollar). ...
The simultaneous buying of one currency and selling of another.
Short for "foreign exchange market", an over-the-counter market where currencies are traded. Forward contract - The sale or purchase of a commodity for delivery at a specified future date, usually a private transaction that is not conducted over an exchange. Free milling - Ores of gold or silver from which the precious metals can be recovered by concentrating methods without resorting to pressure leaching or other chemical treatment.
Where money from one country is exchanged for that of another.
The FOREX or Foreign Exchange market is the largest financial market in the world, with an volume of more than $1.5 trillion daily, dealing in currencies. Unlike other financial markets, the Forex market has no physical location, no central exchange. It operates through an electronic network of banks, corporations and individuals trading one currency for another.

Saturday, May 5, 2007

Rebates – Reward or Rip Off?

Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.

I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some really good deals.

The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks.


Rule #1. Rebates from reputable companies are usually just fine.

You can be pretty sure you will get the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a company you’ve never heard of. If you really want the product and are OK with paying the price listed then buy it but don’t count on actually getting the refund.


Rule #2. Check rebate expiration dates.

Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.


Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store.

Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.

Rule #4. Back up your rebate claim.

Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim.

Avoiding Impulse Spending

Answer these questions truthfully:

1.) Does your spouse or partner complain that you spend too much money?

2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

3.) Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.) Do you own every new gadget before it has time to collect dust on a retailer’s shelf?

5.) Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.