Online Forex Trading Tools – Understand the Various Options Available

Online forex trading tools are of great help to new forex traders. Even experienced traders often rely on some of these tools to confirm their trading decisions. Due to global connectivity and telecom revolution, forex trading is no longer restricted to large corporations alone. Retail investors too are entering the forex market in a big way with the intention of making money.

Forex market is the largest financial market in the world both in terms of size and volume of transactions handled. It can be risky to start trading forex on your own without any formal forex education or without the help of a reliable forex trading tool.

The major disadvantage of any online product is the possibility of it being a scam. It is very easy to make up false product performance statistics and post them on the Internet. Therefore beware of online scams. Ensure that you carry out proper research to establish the authenticity of information and claims made by the product developers online.

The various options available for you to choose your online forex trading tools are

1. Trading platforms of existing professional traders

A number of successful professional forex traders market their own trading systems online. Check out the reputation of the trader to begin with. If possible verify his / her background over phone with other traders known to you.  Being backed by an existing successful trader, such systems normally deliver whatever promised.

2. Expert advisor

Expert advisor is another online forex trading tool which is very reliable in analyzing charts and making automatic trading decisions. Automated forex trading robots are particularly useful to new forex traders. Robots are programmed to make trading decisions on its own without any human intervention.

3. Forex forums

By participating in popular forex forums, you can get a lot of information on online forex trading. With the help of these forums you can seek advice from experienced traders who are already making use of reliable online tools for trading forex. Information regarding new products launched is also exchanged amongst users of forex forums.

Posted in General | Tagged , , , , , , , , , , | Comments Off on Online Forex Trading Tools – Understand the Various Options Available

What’s the Hype With Coin Collecting? It’s Fun

If you are ever wondering what the hype is about with coin collecting then this is the article for you. Coin collecting is a great hobby. It also turns into a business for some. Any variation from a coin that is in regular circulation is collectable. Some of the coins include Quarters and Dimes before 1965. They are made of 90% silver. An easy and very fast way to check for these coins in your wallet or from a bank coin roll is to just look at the side of the coins. If the side is all silver with no copper showing, then it is a silver coin. Be careful with nickels however, because only the 1942 to 1945 nickels are silver. They are 35% silver and checking the sides will not work because they do not have enough copper in them to begin with.

1944 Steal Penny

One of the best finds you could get would be a 1944 steal penny. These penny's are worth between $ 100,000 and $ 200,000. The same is true for the copper 1945 penny. The reason for this is because copper was used for the war to make bullets. They used steal for pennies during 1945 so they are supposedly to be steel. If they are copper when you find a 1945 penny then you have a very rare wheat penny worth a lot of money.

You can use the silver side trick for half dollars as well. Older half dollars are ninety percent silver and semi old Kennedy Half dollars are 30% silver.

You can also go on eBay or coin websites like heritage auctions.com. You can get US coins, International Coins, ancient coins, and more. When you bid on a coin in an auction site. Be sure to make sure that the coin is in at least fine condition. You do not want a coin that is in bad condition because it makes the coin worth less.

Coin Roll Hunting

If you really want something cool to get added to, try going to your local bank. Go to the bank where your checking account is. Ask for rolls of coins! I usually ask for a box of pennies, which is $ 25 worth of pennies or 50 rolls. I also ask for a few dime and nickel rolls. What you'll find will always be a ton of fun. I collect wheat pennies which I find in every other roll usually, Indian Head pennies which in great condition are worth at least $ 10 especially if the word "Liberty" on the headdress band is clear. The 1906 S Indian Head Penny is worth $ 600! It is rare. I've found buffalo nickels which when the dates are legitimate are worth $ 2.00 at least. I found Mercury dimes which show a winged liberty bust of lady liberty and are silver. Also, silver war nickels. Taking out a quarter roll is fun too. You'll find a few silver ones now and then. A 1932 Silver quarter is worth good money. Happy coin hunting!

Posted in General | Tagged , , , , , , , , , , | Comments Off on What’s the Hype With Coin Collecting? It’s Fun

What Is A Cryptocurrency And Bitcoin?

The Web is part of society and is shaped by society. And until society is a crime-free zone, the Web won’t be a crime-free zone.

So what is a cryptocurrency? A cryptocurrency is a decentralised payment system, which basically lets people send currency to each other over the web without the need for a trusted third party such as a bank or financial institution. The transactions are cheap, and in many cases, they’re free. And also, the payments are pseudo anonymous as well.

As well as that, the main feature is that it’s totally decentralised, which means that there’s no single central point of authority or anything like that. The implications of this is done by everyone having a full copy of all the transactions that have ever happened with Bitcoin. This creates an incredibly resilient network, which means that no one can change or reverse or police any of the transactions.

The high level of anonymity in there means that it’s very hard to trace transactions. It’s not totally impossible, but it’s impractical in most cases. So crime with cryptocurrency– because you’ve got fast, borderless transactions, and you’ve got a high level of anonymity, it in theory creates a system that is ripe for exploitation. So in most cases when it’s a crime online with online payment systems, then they tend to go to the authorities and, say, we can hand over this payment information or we can stop these transactions and reverse them. And none of that can happen with Bitcoin, so it makes it ripe for criminals, in theory.

In light of this, a lot of different agencies are researching into Bitcoin and looking at Bitcoin and trying to understand how it works and what they can do to police it. It’s also been in the media quite a few times, and the media, being the media, like focus on the bad side of it. So they focus very heavily on the crime with it. So if there’s a theft or a scam or something like that, then they tend to blame it on Bitcoin and Bitcoin users.

So the most notable is probably Silk Road, which got taken down recently, and through their $1.2 billion worth of Bitcoins, went to pay for anything from drugs to guns to hit men to those sorts of things. And the media, again, very quickly to blame this on Bitcoins and say that it was the Bitcoin user’s fault.

But there’s actually very little evidence of the scale of the problem of crime with cryptocurrencies. We don’t know if there’s a lot or we don’t know if there’s a little. But despite this, people are very quick to brand it as a criminal thing, and they forget the legitimate uses, such as the fast and quick payment.

So a few research questions I’m looking at in this area is what does crime with Bitcoin look like? So a lot of people will say that scams and thefts have been going on for ages. But the means through which they happen changes with the technology. So a Victorian street swindler would practically be doing something very different to a 419 Nigerian prince scammer.

So the next question that I’d like to research as well is looking at the scale of the problem of crime with cryptocurrency. So by generating a log of known scams and thefts and things like that, we can then cross reference that with the public transaction log of all transactions and see just how much of the transactions are actually illegal and criminal. So my final question would be, to what extent does the technology itself actually facilitate crime? By looking back at the crime logs, we can see which particular sorts of crime happen, and if it is actually the technology’s fault, or is this just the same old crimes that we’ve been looking at before. And once we’ve consider these things, we can start to think about possible solutions to the issue of crime with Bitcoin.

And we can consider that the only suitable solution would be one that preserves the underlying values of the technology itself, which would be privacy and decentralisation. A lot of focus from the media is to look at the criminal aspects of it. And they don’t give enough value to the legitimate uses, because Bitcoin is a technology that enables fast, quick payments, which is useful to anyone that’s ever paid for anything on the web.

Posted in General | Tagged , , , , , , , , , , | Comments Off on What Is A Cryptocurrency And Bitcoin?

Bad Credit Business Loan

Based on bank lending practices, one might be misled to believe that people with a bad credit history are not capable of running successful businesses, illegally to repay business loans, and overall, risky borrowers. But the truth of the matter is; having bad credit does not make a person incapable of running a profitable business.

There are many reasons why a person may have a low credit score that may have no relation to their money management skills. These include having obscene amounts of student loans to repay after graduating before getting a job that can support those payments, and getting used in the lure of credit cards as a young adult and having to pay for it later. But in the end, these mistakes can serve as a learning experience, teaching a person to make wiser financial decisions in the future and making them better equipped to handle financial problems that are presented within their business.

The question remains: Is there hope for business owners who have poor personal credit histories? Is there a way to get a bad credit business loan?

The answer is yes. Through a business cash advance, a business owner can get a loan for his / her business even if he / she has bad credit. This is due business cash advance lenders take the strain of repayment off of the borrower, making the business responsible for repaying a loan.

How does this work? A business cash advance is a purchase of a business' future credit card sales. Business cash advance companies provide an up-front cash payment in exchange for a small percentage of the credit card sales that a business makes until the loan is completely paid off. Therefore, having bad credit is not a disqualifying factor when it comes to receiving a business cash advance.

The repayment of a business cash advance also has no affect on a borrower's credit score. So the borrower does not have to worry about worsening his / her credit score when receiving a business cash advance.

Many Americans do not have the 700 point credit score that is normally required to receive a business loan, but that does not mean that their dreams of running a successful business should be shattered. Fortunately, the availability of business cash advances gives business owners with bad credit another option, making it possible for them to finance the development of their businesses.

Posted in General | Tagged , , , , , , , , , , | Comments Off on Bad Credit Business Loan

End Your Speech With a Punchline!

Have you ever been to a talk and were left feeling flat – like the speaker left you wanting more? On the other hand, have you been to a presentation where the speaker left you inspired, wanting more and excited to sign up for whatever they had to offer?

I’m willing to bet that the way the speaker ended their speech made a big difference.

Beginnings and endings are important! How often have you heard a speaker that has a great opening and by the time they get to the ending they fizzle out? Speakers sometimes get to the end of their time and have no idea how to end their speech so they ramble on or just thank their audience. To be remembered, I strongly encourage you to finish your speech with a joke, a pithy phrase, a quote that you want the audience to tuck away in their mind as something memorable. Always leave the audience on an upbeat note.

One of the mistakes often made is when speakers spend all their time on the beginning of their speech and give very little attention to their ending – reverse that and you will notice the difference. Spend at least 10% of your speech time on your conclusion and tying your earlier points together. For example: with a 30 minute speech use 5 min on the opening, 15 minutes on content and 10 minutes on the wrap up and ending.

Consider some of the speakers that you have listened to – which ones do you remember the most? Usually the ones with compelling endings to their speech. What did they use to end their speech? A joke? A funny story? A memorable quote?

Consider some of the speakers that you have listened to – which ones do you remember the most? Usually the ones with compelling endings to their speech. What did they use to end their speech? A joke? A funny story? A memorable quote?

5 Reasons to use a Powerful Speech Ending:

  • A powerful ending sends your audience off with excitement and purpose.
  • A powerful ending is a sign to the audience that they may now applaud.
  • A powerful ending gives your DJ a clear sign to start the exit music.
  • A powerful ending keeps you top-of-mind longer.
  • A powerful ending motivates your audience to take action.

If you include a powerful call to action in your powerful ending, the audience will be running to the back of the room with their wallets out to buy your product or sign up for your program.

If you have a powerful ending, the audience will keep that in mind as they leave. Use your final words to turn your audience to your point of view and tell them what action you’d like them to take next. End your speech by using motivational words that inspire your audience to stand and applaud.

As Mark Twain said: “The difference between a word and the RIGHT word is like the difference between the lightning bug and the lightning.”

Be the lightning!

Posted in General | Tagged , , , , , , , , , , | Comments Off on End Your Speech With a Punchline!

Obtaining A First Mortgage For Investment Property

As the name implies, a first mortgage for investment property is simply the first loan that is issued for the property. When you purchase a piece of real estate, the loan that you receive as financing is also known as a first mortgage.

Before you apply for a first mortgage for investment property, it’s a good idea to obtain a copy of your credit report and confirm the accuracy of the information listed therein. Every 12 months, you are entitled to receive a free copy of your credit file from each of the three credit reporting agencies, including Equifax, Experian and TransUnion. The best way to choose a lender for your first mortgage for investment property is to shop around. Compare interest rates, required down payments and other loan terms in order to find the best fit.

When you speak to a lender regarding a first mortgage, they will explain the required down payment, invite you to fill out a loan application, access your credit file and possibly even provide you with a loan decision within hours. In most cases, a lender will require a down payment ranging from 20-35% for investment properties. Depending on your credit history, you may be asked to pay a slightly higher down payment than average. Because the purchase will not be used as a primary residence, the loan term will likely be shorter than a traditional mortgage.

When it comes to a first mortgage, every lender will require that a title search be performed on the property prior to approving a loan. A title search can be performed by a licensed attorney specializing in real estate and is beneficial for making sure that there are no judgments, liens or back taxes on the property. In addition, a title search will confirm the identity of the property owner and will ensure that the seller has the full right to deed the property to a new owner.

While shopping for a lender, most investment property buyers will apply with more than one lending institution. Although it is widely known that multiple credit inquiries in a short period of time may lower your credit score, applying for a mortgage is slightly different if the inquiries are made close together. The reason is because lenders expect that you will apply at multiple locations and may, therefore, not let recent inquiries for a mortgage loan deter them from approving your application for a first mortgage for investment property.

A first mortgage for investment property will be more likely to be approved if the hopeful buyer can provide an appraisal confirming the market value of the property. A loan is even likelier to be approved if the property is being sold for below market value, which will result in instant equity. These factors, combined with an appreciating market and a large down payment will increase your chances of being granted a first mortgage for investment property.

Posted in General | Tagged , , , , , , , , , , | Comments Off on Obtaining A First Mortgage For Investment Property

Brown Seaweed

On this wonderful place called earth there are many bodies of water that brown seaweed thrives, however not all these places that it grows under the water is pristine and pure free of contaminants that can harm people if it is consumed by them.

It is for this very reason I chose to write this, I have traveled the world and many of the locations that the native persons are harvesting this brown seaweed are in shipping lanes and so forth. They do this because they are well aware of the truly life sustaining properties of it.

And they eat it in there daily diet in its raw form. Even though it is a little hard on ones pallet, they still do this because it is grate grateful to there body. You see it's briny and rubbery to the taste.

You see this brown seaweed gathers its vitamins and nutrients from the water and sun shining through the water as it grows, so anything floating in the water or in the soil it grows in is absorbed in the brown seaweed.

This is a concern of mine and others, because things like Mercury, lead and other things can be very harmful if consumed. So it is very important to get the brown seaweed from the purest places, one of those places is around the islands of Tonga.

There are no shipping lanes there at all, and it is the purest waters there are, the brown seaweed grows there in grape abundance. And you should know that the business that I'm in not only has it in a liquid form that 15 years was spent developing the cold process.

But also owns the rights to this process, And for your information not only can you buy brown seaweed bottled and mixed with mangos, papayas, apples and pears so it taste really good, It is way more potent than just eating it in it's raw form !

Furthermore you can get residual income while investing in your health from this very beneficial brown seaweed! The people of Tonga and Asia have known this for thousands of years! And now you know. Start using this knowledge.

Posted in General | Tagged , , , , , , , , , , | Comments Off on Brown Seaweed

4 Things Contractors Should Know About Contractors Insurance

Any company involved in construction work, building maintenance or installation and repair services is in need of contractors insurance. Contractors will be ill-advised to forego contractor insurance in a climate of high crime statistics, unpredictable weather conditions, negligent workers, faulty equipment, defective substances and a million and one other thing that can go wrong in the contracting business.

There is also an ever-growing propensity to be held responsible and accountable for damages caused to third parties. Think about it this way: Insurance premiums cost a mere fraction of stolen materials, damaged projects or compensating agents or third parties for losses incurred through the negligence of workers or the forces of nature beyond anyone's control. By having the conviction and foresight to take out builders' insurance, contracting businesses are safeguarding themselves against possible losses and lawsuits that could end up by severely crippling the company financially or, in the worst case scenario, even bankrupting it. A contractor's policy actually costs very little in terms of premiums and is worth its weight in gold.

The basics of builder's insurance

1. Builders' Risk Coverage (also known as construction coverage)

Builders' risk insurance indemnifies the contractor for losses or damages to a building while the building is under construction. Insurance usually covers the building for a specific time period and applications only while the building is under construction. This type of insurance typically covers fire damage and vandalism. The policy may also include materials in transit to the building site as well as materials and equipment stored on site. Tools, equipment, vehicles, materials and any other assets used on site may also be covered. For the amount of protection it affords (and the peace of mind that goes with it) builder's risk insurance is reliably inexpensively (as against general liability insurance).

2. Insuring Materials on site and in transit

Given the cost of modern building materials, it is common practice for constructors to insure their materials either on site or while in transit. However, the onus is on builders to make sure that all reasonable precautions are in place to protect materials from theft or storm damage as much as possible. This coverage can also include materials stolen in transit due to the vehicle being hijacked while en route to the building site.

3. The most common insurance claims made by contractors

The most frequent claims made by contractors entail materials theft, damaged materials while in transit, storm damage, or surrounding properties being damaged while construction is in progress.

4. Most expensive Claims

The most costly claims most commonly filed by contractor are usually damages caused by third parties and their properties due to the contractor's "negligence" for example, materials being blown off structures in storms or high winds and landing on nearby cars or buildings. Also damage caused to existing underground pipes or cables. Other high claims are damages caused by fire, rainwater damage to structures, lightning damage or severe storm damage. All these liabilities can be covered by an All Risks contractor's policy.

Posted in General | Tagged , , , , , , , , , , | Comments Off on 4 Things Contractors Should Know About Contractors Insurance

Why Day Trading is Not a Risky Investment?

Day traders are people who buy and sell stocks of various companies all day long. There are mainly two types of day traders – scalpers and momentum traders, Scalpers buys and sells very quickly whereas momentum traders buy stock that is moving up or down during the day.

The main objective of day trader is to maximize profit with minimum risk. As an active day trader, I am sharing with you the benefits of earning within a single market day – and the potential challenges with day trading.

You perhaps warned by your friends, relatives or stock market consultants that day trading is risky. However, from my personal experience, I found it is no more risky than long-term investment in volatile stock or futures.

I would rather say investment in equity is always risky because of erratic and sometimes unpredictable nature of market forces. On the contrary, investments in banks allow money to grow at a small rate, while that rate is guaranteed, and the local government generally protects the money. However, you need to invest some portion of your capital in capital market for wealth building.

Let us examine why short term and long-term investment pose the same risk in terms of capital loss. We will consider a hypothetical scenario to explain the point.

Let’s assume you are a value investor and invested in a company A. On 25 th July’07, company A is opened at $27 in the morning, and then plummets to $24 within a few hours due to a large class action lawsuit being filed against them. If the company A goes to bankrupt because of said lawsuit, share of company A will fall drastically. In this situation, all kinds of share market investors will loose their capital because the stock is worthless now.

Even in the above case, day trader might protect their capital well because they are normally very cautious and open to all kinds of market news. Day trader mainly works based on market intelligence.

To be successful as day trader, you need to do many practices and most important you need to learn from your mistakes. You need to work with an experienced day trader, need to learn latest techniques, use latest stock market investment software and need to devise your own trading plan.

Posted in General | Tagged , , , , , , , , , , | Comments Off on Why Day Trading is Not a Risky Investment?

Co-Signing a Loan

When you co-sign any type of loan, you are taking on the risk the lender
would not; ensuring that the person you co-sign for is going to make the
payments. If they do not, you are going to be responsible for the owed debt.

When determining if you should co-sign a loan for someone, you need to consider
the following:

– Will you be able to pay the loan if the borrower goes into default? If
you can not, not only will your credit be adversely affected, you can be sued by
the lending creditor.

– When you co-sign a loan, your chances for obtaining approval for a loan for
your own personal use Declines because of your current obligation. More
specifically, the debt you co-sign for is considered your debt.

– If you secure the loan you co-sign for with some sort of personal
property, ie your home or car, you run the risk of having these items taken
away from you if the loan goes into default and you can not pay.

– If the borrower does not pay their loan, not only will you become
responsible for the debt, you are also going to be responsible for any of the
late fees and collections associated with the over-due debt.

You should also do the following when co-signing a loan:

– Get in touch with the lender and make sure that you will be contacted in
writing as soon as soon as the borrower is late on a payment. This will give you
time to get in touch with the borrower and fix the situation before the account
goes into collections. If the account does enter into collections, you will be
responsible for paying off the entire debt at one time.

– Get a hold of copies of all the stipulations and terms of the loan.

Some More Advice to Follow If You Are Going to Co-Sign a Loan

Prior to co-signaling, you should contact the creditor to see if your can
negotiate your liability if the loan goes into default. More specifically, you
can have your liability changed so that you only are obliged to pay only the
loan balance and not any other late fees. It is always a good idea to get any
final, negotiated Clauses in writing.

What Are the Benefits of Being a Loan Co-signer?

Co-singing a loan can be a good idea if you are certain that the borrower is
going to repay the money. For example, co-signaling makes sense if you are
the parent of a child with no credit, but a steady income, looking to buy a home
for the first time. You will help your child get the mortgage financing them
are looking for, while helping build their credit rating.

It is very common for someone's credit to be adversely affected as a result of
divorce. This will hurt their ability to get approved for loans and credit even
though they have a steady income. Co-singing a small personal loan in this
instance will help them re-establish their credit.

In conclusion …

As mentioned, there are instances when co-signing a loan is harmless.
However, the majority of the time, it is a very risky move. As a matter of fact,
studies have shown that co-signers end up paying the debt of the borrower 80% of
the time. When co-signing any loan for any purpose, friend of family, PROCEED
WITH CAUTION!

Posted in General | Tagged , , , , , , , , , , | Comments Off on Co-Signing a Loan