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.

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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!

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A Proper Family Budget Meets All Financial Needs

To say that every family should have a monthly budget is an understatement. The only way to control your family's finances is with a budget that keeps track of where the money comes from and where it is absolutely spent. A budget, or cash flow plan for those who do not like the B word, is a critical part of any family's secure financial future.

For most families a budget is far down the list of things that are important in the day to day happenings for most families. For most people doing a budget is another task for which they have little time to deal with. Unfortunately this is the reason so many families are having the financial problems that they are dealing with today. A budget can also be a divisive thing if it is used as a way to control the spending habits and place blamed for the financial failures being experienced. For a family budget to work properly it must be used as a tool by all family members that involves financial goals and compromise to reach them.

A budget is actually not that hard to create and keep simply because it is just a list of monthly income and expenses that is either either on a sheet of paper or on a computer equipped with budgeting software. The idea behind any budgeting process is to create a balance between income and expenses so that at the end of the month there is money left over to save, invest, and build wealth.

There is no concrete method for building a family budget because each family's financial needs are different. Some families may be saving for a new car or family vacation, while others are more intent on building savings and college funds. Most families start their budgeting process simply by writing everything down on a piece of paper but as their financial needs grow more complex they may find they need the services of a financial or investment planner.

Another thing to think about and discuss is what are your family's long term financial goals and how do these fit into and affect the monthly budget. It is important to consider not only the goals of individual family members but also the collective goals of the entire family as well. These can include such things as putting away money for a new home, saving for children's college fund, building that retirement nest egg, and probably the most important thing for any family building an emergency savings fund to protect against unforeseen financial emergencies.

The hardest part of finalizing the family budget is making sure you have all the monthly expenses written down. Missing even one or two can seriously affect your budget because at the end of the month you will have less money then originally budgeted for. Be sure to think of those surprise expenses which is particularly important if you have children. It always seems that some unforeseen expense pops up around one of the kid's school activities, or they need new glasses or braces, or something along those lines. Of course if you have an emergency fund in place you can use money from this for such things.

Setting up a proper family budget will not only help you meet your financial goals but will also save money over the long run. Not having money worries will make family life better for all concerned; it just takes a little time and patience.

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The Best Currency Trading Software is the Best to Trade – Manual & Automatic Trading

What is the best currency trading software that can help you out? Or should you try regular manual trading? It's all up to you, you have plenty of options which is the beauty of Forex, you have plenty of different ways of making cash. That's why you should start now and try to make as much money as possible!

Okay, so when it comes to the Forex market, you want to start with a sense of urgency. There are many different ways of monetizing the Forex market with manual and automatic methods, we are going to go with both methods, explain why they are great, some additional stuff, and why you should in the end consider both options!

Manual Trading
Manual trading is great if you actually know what you are doing. Many traditional expert traders like to trade their own money, they trust their own hands – and feel if they can not trust themselves then they can not trust "software", so they do so and successfully, there are others that fail, and fail miserably ! First of all, many of the manual traders actually use something that is called a Forex indicator, it uses technical analysis, which is complex mathematical formulas that measure different things and statistical in the market to determine the future.

Predicting the future is pretty tough, but it is still very possible with Forex. Manual traders also use something that is known as a fundamental analysis. This is very useful because it takes the state of the currency home's economy into account, by using both manual traders put together a "profitable puzzle".

Automatic Trading
Automatic trading is one of those new things that has everyone going crazy because it uses technical analysis, and even built in psychology to help simulate what an expert trader would do, even better it trades your money for you automatically, so you can sit back and watch the cash pile up.

It's crazy, and it sounds too good to be true, so you would really have to see it in action to actually see how it works and to see how believable it really is.

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Dress Hangers – A Wise Investment For Every Wardrobe

Hangers were invented in the early 1900s, when Albert J. Parkhouse twisted a wire to use for hanging coats. A century later, shoppers can find a plethora of hanger types, including dress hangers.

More than a handy tool for holding clothes while in storage, a dress hanger is also an accessory that helps an item of clothing maintain its form. This is especially true for dresses, which require additional support to keep the garment in shape.

Options for dress hanger selections include the wood, metal or acrylic varieties, which offer a distinct look as well as strength. The wooden type appears classy and natural, with colors that range from taupe to chestnut and to dark brown. Metals are known for their remarkable durability, but select makers of plastic hangers have become popular in recent years for developing a sturdier – even touted as 'unbreakable' – line.

For that extra touch of fabric care, shoppers can also opt for dress hangers that come with fabric padding made of velvet, linen or satin finish. This type is perfect for dresses that are crafted using lace, silk, taffeta and similar fabrics that can be sentenced to damage. Clips, stay-on details and drop and bar attachments may likewise be added to address particular clothing display needs.

Investing in good hangers is a wise decision not just for women with an extensive wardrobe, but also for clothing store owners that need reliable garment storage and display accessories. A hanger can even serve to market a company's brand, through the artful use of logos that are etched, printed or embossed onto its surface. High-quality dress hangers can contribute to the creation of a shopper-friendly vibe in stores, and even make the merchandise become even more appealing.

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The Best Currency Trading Software is the Best to Trade – Manual & Automatic Trading

What is the best currency trading software that can help you out? Or should you try regular manual trading? It's all up to you, you have plenty of options which is the beauty of Forex, you have plenty of different ways of making cash. That's why you should start now and try to make as much money as possible!

Okay, so when it comes to the Forex market, you want to start with a sense of urgency. There are many different ways of monetizing the Forex market with manual and automatic methods, we are going to go with both methods, explain why they are great, some additional stuff, and why you should in the end consider both options!

Manual Trading
Manual trading is great if you actually know what you are doing. Many traditional expert traders like to trade their own money, they trust their own hands – and feel if they can not trust themselves then they can not trust "software", so they do so and successfully, there are others that fail, and fail miserably ! First of all, many of the manual traders actually use something that is called a Forex indicator, it uses technical analysis, which is complex mathematical formulas that measure different things and statistical in the market to determine the future.

Predicting the future is pretty tough, but it is still very possible with Forex. Manual traders also use something that is known as a fundamental analysis. This is very useful because it takes the state of the currency home's economy into account, by using both manual traders put together a "profitable puzzle".

Automatic Trading
Automatic trading is one of those new things that has everyone going crazy because it uses technical analysis, and even built in psychology to help simulate what an expert trader would do, even better it trades your money for you automatically, so you can sit back and watch the cash pile up.

It's crazy, and it sounds too good to be true, so you would really have to see it in action to actually see how it works and to see how believable it really is.

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Trademark Application: Online Tools to Protect Your Investment

Many businesses understand the benefits of trademarks for their products and services, in protecting them from the time and monetary investment in developing those products and services. However, many organisations and businesses are unaware of the need to register these trademarks to comprehensively protect their brand and business offerings.

Without the security of a registered trademark, a business risks losing the investment, or minimising the effect of, developmental and marketing efforts that it engages in. Competitors in the same or similar industries could potentially own a trademark with comparative qualities and identity in order to market products and services that replicate the business model. This could not only affect the revenue generating capability of the business by increasing the level of competition in the marketplace, but could lead to a damage of the image that has been created; resulting in a lower perception of quality by current and potential customers. Given the importance of securing your investment made in the marketplace, as well as securing the business future, legally registering the interest through the trademark application process is essential.

Applying for a trademark application, and upon finalisation, provides numerous benefits to the business, including that they are able to strongly differentiate their identity and products in the marketplace from their competitors. Furthermore, the trademark can act as a marketing instrument which empowers a company to control the image and perception presented to the market. An important commercial asset, applying for a trademark application can provide a level of quality to consumers, guaranteeing potential buyers of the quality of the products and services being sold.

The brand and logo of the company is the physical representation of the quality of the business. Successful logos and brands evoke instant feelings of trust, credibility and a desire by the consumers to purchase from the brand in question. This is why it is imperative that a trademark application be processed for the company’s design work, images, colour, fonts and other components that make up the logo and brand.

Since the inception of the internet, people have been turning to the web to source important information; and with the recent trends in websites providing online assistance and purchasing, a majority of consumers are turning to the internet to source information and purchase online. Trademark applications are no exception, with industry leading business protection companies developing software and wizards which guide the user through the trademark application process; alerting the user to important issues and prompting where other additional information may be required.

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The Forgotten Investment, Silver

Most of the talk these days centers on gold and gold investing. Its brethren, silver, appears to take secondary role as an investment metal and is thought of more as in jewelry and flatware than as a money making investment.

However, history shows that silver has been a medium for storage of wealth for thousands of years and revered one civilization to the next. It has been widely used in mintage of coins from the Greeks to the Spanish. In fact, silver coins were in wide circulation until 1965 and silver certificates were also redeemable into the precious metal.

Silver has qualities which also make it a sought after industrial metal. It has the highest electrical conductivity of all metals and its ductile and malleable. It has been used in electronics, mirrors batteries, photography and numerous other ways. It has been this trade that has had the most influence on the price since the late 1960’s.

Silvers evolution has extended to the financial markets. As markets have grown futures and ETF’s have had a larger impact. This change in this markets have allowed speculators to participate in silvers price movements. Lately there have been widely circulated news stories concerning the price manipulation of the price of silver. This only goes to show the importance of the metal and that in a free market the price would be much higher than it actually is.

Silver has been on a bull run since 2003 due to the fact that there has been growing demand by both investor and manufacturing alike. At the same time supplies and new finds are declining and restricted. Demand SLV the ETF for Silver has been increasing thereby outpacing supplies of available shares, forcing the custodian to issue new shares and in turn buy more physical silver.

The current economic uncertainty has also played a role in the demand for silver as more investors have purchased it for wealth protection and capital appreciation. This has increased the demand and its price. This trend will most likely continue as the economy faces increasing and renewed challenges.

Scrap silver has become valuable again which speaks as to the current market situation. As silver regains acceptance as an investment vehicle for wealth protection, as it had previously. Demand will continue to grow and compete with industrial sector for the metal. The outcome seems fairly obvious since the metal supply is in limited supply.

It is obvious that silver along with gold should be a precious metal that is included in one’s portfolio that seeks wealth protection and capital appreciation. Both technical and fundamental factors indicate that it is and opportune time to invest in gold and silver.

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Forex Robots – The Sales Copy Says Huge Profits But the Truth? Most Destroy Equity Quickly

Every forex robot promotes a track record of gains and yet well over 95% failure to deliver so here is the sales copy translated so you can find out the ones that will not make money and find the minority which do …

Here is the sales copy and translation

1. A track record of spectral gains

On paper yes, in real trading not at all. Try and find a track record which does not have the worlds "simulated" and in "hindsight" on it in the risk warning – a word from experience, you will have a long search. The track records you see of $ 100,000 a year are not real dollars there paper dollars done looking back with all the facts and price data to hand. The reality of trading forex though is you do not have that luxury of knowing the closing prices.

That's why you can get financial freedom for $ 100.00 or so – its not real life though!

2. A formula that occurs and re occurs for consistent gains

The formula works once on paper and never works again and the system takes a bath. The vendor simply bends the system to fit the data (a concept known as curve fitting) and curve fitting is always the death of a trading system in real time trading, as the data never replicates itself exactly again the system fails.

3. Designed By a Boffin

Usually an ex banker, mathematician or other boffin. Why does that ensure success? Trading systems that tend to work tend to be simple and being clever or having an education mean nothing in forex trading – its results and that's it and I know plenty of simple traders who make money and plenty of clever ones that do not.

4. Earn Money Without knowing anything

You can try and earn money but if the systems worked as the vendors say, ie there is no work involved, begs the question – Why bother selling the system, why not trade it and keep quite you could make yourself a millionaire or better and not worry about a few hundred bucks from a sale.

You do not get anything in life for nothing and it's the same in forex trading

5. You have nothing to lose

On the fee maybe not, on the account probably yes!

Demo accounts (unless you want to trade them for a long time) are no real use, as you need a year to judge a system and also there is no pressure, so its not a real trading experience and after reading this article why bother, you know the facts.

Forex robots sell in there thousands and very few work and most simply fail miserably in the market and its no wonder when they have never been traded. The hypothetical track record simply is not questioned by buyers – but why not? That's the acid test and keep in mind you cant spend paper money.

If you want to make money at forex trading understand, it's not easy and you do not achieve success with no effort.

You can make gains but you need to get a solid forex education, a simple system, that's robust, logical and you understand and can trade with discipline. You are then on the road to currency trading success.

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Fundamental Information Regarding Colon and Rectal Cancer

Colon is the division or portion of the digestive system wherein the waste matter is hoarded. The rectum is the last part of the colon near the anus. Jointly, they form the long, muscular tube which is called the large bowel or large intestine. Cancers of the rectum and also the colon are growths coming from the internal wall of the big intestine. Benign tumors arising in the big intestine are known as polyps. Malignant tumors of the big intestine are identified as cancers.

Benign nodules do not attack nearby tissue or scatter to some parts of the human body. Benign growths can be removed easily during colonoscopy and they are not critical. If benign growths are not detached from the big intestine, they will become cancerous. Majority of the cancers in the big intestine are supposed to arise from polyps. Cancer of the rectum and also the colon can attack and injure the nearby organs as well as tissues. Cancer cells will also scatter and break away to other portions of the human body, like the lings and liver wherein the new tumors are formed. The scatter of the colon tumor to remote organs is known as metastasis. After metastasis has happened in colorectal tumor, a comprehensive treatment of the malignancy is doubtful.

Internationally, malignant neoplasm of the rectum and colon is the 3rd primary cause of tumor in males and the 4th primary cause of tumors in females. The incidence of colorectal tumor varies worldwide. In countries wherein the people have taken up western diets, the occurrence of colorectal tumor is increasing.

Factors that add to the person’s danger of colorectal tumor include elevated fat intake, family record of colorectal polyps and cancer, the incidence of polyps in the big intestine, and constant ulcerative colitis.

Symptoms of colon tumors are nonspecific and numerous. They include weakness, fatigue, briefness of breath, narrow stools, diarrhea or constipation, change in bowel practice, red or dark blood in the feces, weight loss, cramps, abdominal pain, or bloating. Other situations like spastic colon, peptic ulcer, and ulcerative colitis are some symptoms of colorectal cancer.

Symptoms for colon cancer differ according to the location of the tumor in the big intestine. The right colon is large and cancers here can grow into big sizes before they cause abdominal signs. Usually, right-sided tumors can cause anemia because of the gradual blood loss over a long duration of time. Anemia causes weakness, fatigue and shortness of breath.

Left colon is slightly narrower compared to the right colon. Hence, tumors in the left colon possibly cause the complete or partial obstruction of the bowel. Cancers which cause partial obstruction of the bowel may cause signs of constipation, diarrhea, narrowed stool, cramps, abdominal pains and bloating. Dark red blood in the stool can also be indicative of a growth adjacent to the end of the rectum and left colon.

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