Computer Asseccery

FOREX Trading Robot - create online income with forex software Earn Online Income NOW

2009-06-22T14:22:00.000+07:00

Think about if you were just in a position to chew on a $3 Trillion market. That is many times more than what you would potentially earn in a year. Where else would you be in a position to get that but through a Foreign exchange robot aimed at the Foreign exchange market? Yup, you do not need to go to an office for that or have a chief to talk to. All this can be done in the comforts of your home.Forex Trading Robots like the link to the left are proved cash earners and can easily replace a full time income, I recommend you take a free tour of it now if you are sick and uninterested in the tedious hours and low pay.You have been missing a lot out of life. There you are working over work solely to meet those credit card payments on bills and other stuff of everyday life's costs, and the unending and exhausting task of trying to cope. It just makes you sick wondering what you may have done better to make life miles better for you. Well, you do not need to look further.If you have not not heard of a currency trading robot yet, then try searching for some online because these things are the answer to your financial issues. The foreign exchange market is a fiscal market that deals with currency exchanges all over the planet. Based on the power of a particular currency, these values go up and down and vary according to elements in the market, such as political, business, and industrial factors. The FOREX trading robot is an application hat you need to install onto your computer that will do trading with this currencies right in your house. Sweet, right?All you need to start with this is a PC and an Web connection. After you have selected and purchased a trading robot of your choosing, you simply need to pop in the installation CD and follow the simple instructions on the screen to get you prepared for making those additional dollars.What you must do once you have installed the software is to choose a certain currency pair,eg the United States Dollar ( Bucks ) against the Japanese Yen (JPY). The robot will then investigate all the finance trends that happen between these two currencies. You do not even need to worry about how this is done as the software will do it all for you. A lot of expert traders have been skeptical about this at first, but after trying it, they have learned to trust it and just let everything go.Where else can you get straightforward cash and are free to go about wherever you want? as your computer is hooked up to the Net, it will just keep on churning cash. So, log on now and start employing a FOREX trading robot to earn those additional dollars.Take a look at one of the most successful Forex Trading Robots Online Here.

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Forex Magnates - Craziest promotion yet - trade without depositing

2009-06-22T14:21:00.000+07:00

Forex Magnates - Home of the Forex Elite: http://www.forexmagnates.com
Forex marketing techniques become more and more competitive and with the lack of new and effective marketing channels Forex brokers are required to become more creative.
Some brokers like FX Pulp take it to the extreme while others, like the newly established Swiss Dealing, think that all traders are idiots - its new and wildly original promotion is to offer a no-deposit dealing… Don’t they call it Demo Accounts in other places?
Anyways, here is the promotion and I would personally recommend traders to avoid brokers who don’t even list their phone numbers on thecontact us page.
SwissDealing (SA) is a Swiss company based in Geneva since 2006. Our business model is oriented towards non-professional individuals that are willing to master FOREX trading without risking large sums of money. We offer our clients a fully automated brokerage service which includes a proprietary trading platform and a Web-based back-office.
Swiss Dealing is a unique FOREX broker in many respects:
No money deposit. SwissDealing is the first FOREX broker that does not require/accept money deposit. After registration, every new client receives a $100 margin bonus to start trading immediately.
No minimum trade size. Minimum size of a single position is as low as 1 currency unit.
Free Java API. Clients with programming skills are free to develop automated trading strategies.
One-click cash settlement. Money transfers are fully automated and executed in real-time via PayPal.
Frequently Asked Questions

No need to deposit money? What’s the catch?
Swiss Dealing is the first and only FOREX broker that does not require/accept money deposits. To start trading, every new client receives a bonus of $100. This money cannot be withdrawn by the client, and can only be used as a trading margin. With the maximum leverage of 100:1, it allows opening FOREX positions worth up to $10000 = $100 x 100 immediately after account registration.
By not accepting clients’ deposit, Swiss Dealing assumes risks, which call for additional restrictions. Please note that we do not allow the account balance to drop below -$50. Specifically, as soon as the balance of a client’s account hits or falls below -$50, all his/her open positions are immediately closed. The trading will be allowed only after the client has covered (fully or partially) the negative balance by a PayPal money transfer.

Can I have more than $100 as a trading margin?
Yes, but not through money deposit. The available trading margin (called equity) will exceed $100 by the amount of your profit (see the next question for details). According to our policy, you can take higher risks only if you trade successfully.

What does “Your Account” panel show?
Your Account provides a summary of your finances and trading restrictions.
Balance – the realized profit (if positive) or loss (if negative). It does not depend on the current state of the market.
Open P&L – is the unrealized profit or loss of currently open positions. It changes in real time as market prices move. If you close all your open position immediately, this amount will be added to your Balance.
Equity – the sum of Balance, Open P/L and the $100 bonus. It determines the amount of money that can be used as a trading margin. With the maximum leverage of 100:1, the value of all your open positions cannot exceed Equity x 100.
Margin – the percentage share of the equity available to support new positions.
After account registration, your Balance and Open P/L are zero while Equity is equal to $100. Please note that your account details on this site are not refreshed in real time.

If I have earned a profit, how can I withdraw it?
You must close all open positions and check your Balance. If it is positive then you can withdraw this amount provided that your Swiss Dealing account is verified.

If I have a negative Balance, am I supposed to cover it immediately?
No. You are free to do it whenever you want. You can continue trading but the margin and, consequently, the maximum size of you FOREX positions will be lower. Please, note that you cannot close your Swiss Dealing account with a negative balance.

What is an unverified account?
After online registration, your account has “unverified” status. While you can start live trading immediately, the money withdrawal is disabled. We require the account verification to prevent opening multiple accounts by the same individual and receiving multiple margin bonuses.

How can I get my account verified?
To upgrade your SwissDealing account to a “verified” status (verification), you must have a verified PayPal account. If you do not have it yet, we advise opening it as soon as possible since it may take some time. Follow this link to learn more.
Verification of SwissDealing account is a very simple procedure. We ask you to make a micropayment of $0.32 from your verified PayPal account to receive your personal details. Your First Name, Last Name and Country are then compared with the Swiss Dealing account profile. If they perfectly match (not case sensitive) then your account receives a “verified” status immediately.

Where does the sum of $0.32 comes from?
This is the minimum fee for a single PayPal transaction.

Do you accept payment systems other than PayPal?
Currently, no. However we will integrate WebMoney in the near future.

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Forex Trading 101: A Beginners Guide

2009-06-22T14:03:00.000+07:00

Are you new in the Forex market? This market may sound really complicated and frightening to tackle but it’s not. Just like in any kinds of trade, you make money when you buy low and sell high. Forex trading is simply trading currencies in the Forex market. As a beginner of the forex you need to do some study for that, luckily there is so many online forex course.
Forex is the most extensive financial market in the world. It generates trillions of dollars by exchanging currencies everyday and it operates 24 hours a day and seven days a week therefore, also making it the most liquid market in the world.
In the world of Forex, trading in this very liquid market is very unique compared to other financial market like stocks. Since the Forex market operates 24 hours a day worldwide, starting at Sydney and ending in New York, trading is not centralized in one location. You can trade in Forex whenever you want regardless of the local time.
In the past, forex signals trading was only offered to large financial institutions, like banks. And, it was also only offered to large companies, multi-national corporations and large currency dealers. This is due to the large and extremely strict financial requirements imposed by the Forex market. This means that individual traders and small businesses are not able to participate in this liquid market.
However, in the late 90s, Forex was made available to individual traders and small businesses. This is owing to the developments in the communications technology. High speed internet made it possible for people to enter the Forex market and have become one of the best make money at home businesses.
Forex trading is getting more and more popular each day. Moreover, who wouldn’t want to trade in the largest and the most liquid financial market in the world? Trading in Forex will definitively give you the opportunity to earn a lot of money. However, trading in this ever liquid market also has its risk. It is a fact that many people who traded in Forex lost a substantial amount of money and some of these people are seasoned traders.
This is why it is very important for you, as a beginner trader in the Forex market, to have the adequate knowledge and education on how to trade in the Forex market. Firstly, there are hundreds or even thousands of available websites in the internet offering Forex education. Some of these websites offer dummy Forex trading where you can practice trading in the Forex market using dummy money or demo accounts.
These programs will really take you closer to actually trading in Forex. Many experts say that you’ll never fully understand how Forex really works until you traded in the market. So, in order to learn how to trade Forex, you may want to sign up for a dummy account that numerous Forex trading websites offer.
With a dummy account, you can trade Forex without the need to use real money at all. With this program you can practice your knowledge and skills in trading in the Forex market and not waste money.
To prepared for trading in this market, all you need is a computer with a high speed internet connection, a funded Forex account, and a trading system. These three simple things are enough to get you started in the Forex trading.
In order for you to minimize the risk of losing money, you need to get some basic knowledge in charting before you start trading. In most Forex trading systems, Forex charts are there to assist you with your trades. Forex charts are a visual representation of the exchange rates of currencies. This is where you will mostly base your decisions to buy and sell currencies. You need to learn how to read the different Forex charts in order for you to successfully operate in the Forex market.
Each Forex chart is different even though they represent the same variations. For example, in the daily Forex chart, you can evaluate market trends in the past 24 hours to help you make decisions on the next 24 hours of trading. You can use the hourly chart to spot trends within the day. And, in the 15 minute chart, where it can help you recent currency fluctuations in a 15 minute interval to help you decide on which currency to buy and sell. Sometimes, there are 5 minute chart available to better help you get closer to the action.
These are the basics on how to trade in the Forex market. You should never forget that aside from the promising earning potential that you can have in the Forex market, there are also underlying risks that you have to consider. It is therefore wise to trade in this market with a proper investment plan and strategy. If you are just starting out to trade in Forex, consider opening a dummy account to help you practice trading Forex without risking money.
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How to Choose a Forex Trading System

2009-06-22T14:01:00.000+07:00

When you're ready to make money online trading in foreign exchange, choosing the best Forex Trading system for YOU makes all the difference. These steps will help you make an informed and intelligent choice.1 SEARCH FOR FOREX TRADING SYSTEMS. Begin the decision making process by finding out what systems are available to you. Perform a Google search for "Forex Trading" and browse the results. Just make sure you follow the rest of the steps before signing up.2 TOO GOOD TO BE TRUE. If an online Forex Trading System makes promises or quotes stats that seem too good to be true, the probably are. Even sites that list statistics and percentages can be deliberately misleading. For instance, a site may claim 95% profitable trades, but that won't tell you anything about how much money is being made. The remaining 5% that LOST money may constitute 90% of all investments made.3 FREE IS GOOD!!! Starting to make money online with Forex can be intimidating, which is why so many reputable Forex Trading Systems now offer free practice sessions. These sessions provide you with large sums of 'practice' money for you to try your hand at investing. Most of these free sessions last 30 days, giving you plenty of time to test yourself and the Forex Trading System you are considering.4 PROFITS. People become Forex Traders with one intention: to make money... lots of it. When traders experience great gains or losses, they often make their results public, and they refer to their Forex Trading system by name. Perform a Google search for profitability statistics of the Forex Trading System you are considering and see if the numbers match your expectations5 VISIT FORUMS. Visiting Forex forums is a great way to find out what people really think about their trading system. Traders are constantly exchanging tips and experiences about services, profits, and overall satisfaction with their Forex Trading System. Join a forum, or simply visit one to find out what's hot and what's disappointing.6 ASK A PROFESSIONAL. You don't have to get a financial advisor to choose the right Forex Trading System, but great financial advice can steer you in the right direction. There are many free Forex information websites online, Babypips being one of the best. Visit their site and ask for recommendations. Remember that YOUR perfect Forex Trading System depends on your needs and expectations, so LET THE EXPERTS KNOW WHAT YOU NEED!!! http://www.lakyo.com
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How to Make Money Online with FOREX

2009-06-22T13:38:00.001+07:00

Looking for a big way to make money online or work from home? More and more people are discovering the benefits of working with Forex. Here's how to get free info, free Forex practice, and start your work from home adventure.1 FOREX = FOREIGN EXCHANGE.Forex trading is exchanging one type of currency for another. For instance, trading American dollars for the equivalent value of Euro. In this scenario, you are selling American dollars and buying Euros. It is a form of trading that does not involve the transfer of property or assets other than money/currency.2 MAKING MONEY WITH FOREX. Trading currency for profit is a guessing game, often referred to as 'speculation'. You 'speculate' that a particular currency will go up or down in value. Like trading stock, when you believe a currency is about to go up in value, you move to purchase it at its current low rate. You do this by selling a currency you believe will be of less value than the currency you are purchasing. EXAMPLE: You have $50 US dollars that you believe will be less valuable in the near future. At the same time, you see that the Euro is about to go UP in value. As a Forex trader, your speculations would suggest you should exchange the $50 US for the equivalent value of Euro. If, as you predicted, the Euro increases in value while theUS Dollar does not, you will earn money as your Euros rise. However, if your speculations are wrong, and the US Dollar thrives while the Euro takes an unexpected dive, you will lose money.3 LEARN ABOUT FOREX. Before you invest in Forex trading, you should have a good idea of the rules. Gain Capital Group's website, Forex.com provides basic tutorials and advanced instruction for traders of all experience levels. Learn about trends and warning signs in the market. Make use of their free resources to make an informed decision about working from home as a Forex trader.4 PRACTICE FOREX. Rarely are we given the chance to try our hand at making money before we invest. Forex trading is unique in that you have the ability to try it without investing a cent, for as long as a month. To making money online with Forex, visit the link listed in the resources. This will direct you to a 30 day practice session with Forex trading. In this practice session, you will not be using real money, so there is no chance of financial loss if you are not particularly good at Forex trading. Likewise, if you discover your practice investments make money, don't forget that it's not real money. You will not make or lose money with the 30 day free practice session. However, you might discover you have a wildly profitable talent to make money online as a trader.5 JOIN A FOREX TRADING GROUP. If you are pleased with your results from the 30 day free practice session, and you feel confident about your ability to make money online with real Forex trading, you will have to join a trading group. This is a simple process that generally requires a small fee. Simply perform a Google search for such groups.

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How to Make Money Fast Online With Dubli

2009-05-15T23:23:00.000+07:00

Many people spend lot of time thinking how to make money fast. You can always ask your friends who are already making money online. They might suggest you some ideas that would probably work for you. If you have access to online search engines then you can always look for tips and techniques on how to make money fast. The best way is winning a lottery or getting money from an inheritance. However many would agree that this method does not guarantee money.
Generally, the best possible way to make fast easy money online is to do a little bit of research and find out which ideas or products are in great demand. If you are able to supply what the customers are looking for then you will surely get success online. Or, you may want to sell items, in this case I would suggest heading over to the DubLi Network.
Earning money through online business is an easy way to obtain that extra money. You can make money with the help of online games as well. Online games that are played for money are for non-skilled and skilled players. Normally the player who has better skill wins. The pot money is then given to the winner. DubLi can offer you selling everything, in the whole world, with a big team, working for your business, a team that you will choose yourself, to create your expansion.
You can also make online money by blogging with the help of free blogging sites that are available on the Internet. Thousands of bloggers are now making money online by writing on various topics such as stories about themselves, their idols, their hobbies, their family, their community, their friends and many more. With blogging, you can make money from the comfort of your house. Or, you can go to the DubLi Network to see how easy it really is to make money
Using domain names, you can also make lots of money online. Trading domain names can be a good home business. Domain names now are treated as real estate property and trading product that you can easily buy and sell. You buy these domain names at a very low price and then sell at a high price. Selecting the right domain name is very important and it plays a very important role to make lots of money online using domain names. Select and register a keyword that has a .com domain as most internet users type the name of the site with “.com” at their web browsers.
Another way to make fast easy money online is with online Forex trading. This is one of the easiest money making idea. Forex, which is a short form of foreign currency exchange, is an online trading business that involves exchanging certain currency with another currency. Before you start this business, you must research and analyze currency trends, business, and political climates that are affecting certain currencies.
Are you interested in checking out the best online shopping site where we give you free credits to make bids on items at discounted prices? Have you been interested in starting a home based business? If so, go to all about dubli and opt in to the site to collect your free credits and valuable information.

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What Day Trading is and what is its more important element for success

2009-05-15T23:21:00.000+07:00

This is a brief introduction to Day Trading. What it is, what it is not, and what is critical to become successful at it.
Although the word has a negative meaning, Day Trading IS speculation indeed. In Day Trading, one buys (sells) securities and closes their position within hours, that is, before the day closes - thus the name of Day Trading. While Day Trading is speculation, that does not mean that it is useless. To the contrary, it contributes to more "liquid" markets, which means it facilitates transactions.
Day Traders base their decisions on statistics and mathematical models (this is called "Technical Analysis"). Nowadays, orders are made through the internet. Processing is sometimes 100% computerized/automated (e.g. NASDAQ). Everybody can trade from the comfort of their home and make really good money. This is why there is such a buzz about it.
You likely knew that. Now let's look deeper into what Day Trading is not, what else it is and what makes the difference between the good traders and the others.
What Day Trading is not ...
Day Trading is NOT Investing, per se. Like I state above, it is speculation. Useful speculation.Day Trading is NOT an easy way to make money - it requires hard work and commitment - ... unless you trade with a good Robot (more on that in another article).There is NO such thing as (bad) luck in Day Trading.Day Trading is NOT about Ego. Always remain humble. No bragging when you succeed: respect the profession and respect other traders.Day Trading has NOTHING to do with emotions. Keep your emotions in check when you day trade. If you don't, take a break.
What Day Trading is ...
Day Trading IS about flowing with the market. You never control the market. But if you respect some elementary principles, you find out that the market is your ally.
Day Trading MAY be a way to get rich but only for a minority of traders. Most traders hardly break even as transaction fees and costs remain high. Therefore, keep in mind that this IS a risky business. Unfortunately, most people forget some very basic principles that are essential to suceeding. I have known some very good, fundamentally sound traders. That is, technically sound traders. Unfortunately, their mental approach was imperfect and they failed eventually.
Learning the basics is easy. Defining a good system is not too difficult. Next, determining Money Management rules comes naturally. Sticking to the rules that you have carefully designed, under any circumstances, IS the most difficult part of Day Trading.
Succeeding
Therefore, keys to success are (beside a reasonably sound system such as the one I am exposing here): Psychology and thoroughly applied Money Management. That may seem obvious but you will understand it better along the way as you start your Day Trading career. By the way, during your journey to Day Trading success, you will also understand a lot about ... yourself. You will realize that emotions run your life - something you cannot afford while Day Trading.

If there was one aspect of Day Trading that I would like you to remember, it would be that two things will be critical to your success - more so than any system will ever be. Psychology and Money Management. If you respect some key rules (that will suit you because you will have determined them) at all times, you will likely succeed.
People who have no significant experience cannot fully realize how important the mental approach is to Day Trading. Money Management is critical as well; but it is strategy. It is part of the system. On the other hand, your mental readiness will be 90% of your success because it has to be tested in the heat of the moment as opposed to being planned. The mental approach of Day Trading is like the foundation of a house. Should it ever collapse, the whole edifice will collapse. On the other hand, if your mental approach is solid, you will build success with relative ease.

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Mortgage Modifications

2009-05-15T23:20:00.000+07:00

Daily Market Commentary for March 4, 2009 from Millennium-Traders.ComMortgage modifications announced today by the Obama Administration played a key role in the Wall Street rally today. (read more)http://www.millennium-traders.com/news/newscommentary.aspxEconomic data released today:MBA (Mortgage Bankers Association) Purchase Applications:U.S. MBA Refinance Index fell 15.3% to 3063.4 compared to previous week at 3618; U.S. MBA Purchase Index fell 5.6% to 236.4 compared to previous week at 250.5; U.S. MBA Market Index fell 12.6% to 649.7 compared to previous week at 743.5.ADP Employment Report:ADP February Private Sector Jobs expected to drop by 630,000; ADP Sees February US Private Sector Jobs down 697,000.ISM Non-Manufacturing Index:U.S. ISM Feb Non-Manufacturing Composite Index came in at 41.6 versus January reading of 42.9; U.S. ISM Feb Non-Manufacturing Composite Index expected to come in at 41.0; U.S. ISM Feb Non-Manufacturing Business Index 40.2 versus January reading of 44.2; U.S. ISM Feb Non-Manufacturing Employment Index 37.3 versus January reading of 34.4; U.S. ISM Feb Non-Manufacturing Prices Index 48.1 versus January reading of 42.5; U.S. ISM Feb Non-Manufacturing New Orders Index 40.7 versus January reading of 41.6.EIA Petroleum Status Report from the Department of Energy:U.S. Refineries ran at 83.1% was seen at increase by 0.1 Point at 81.5%; U.S. Distillate Stockpiles rose 1.7 Million Barrels in the week compared to expectations of a drop by 400,000 Barrels; U.S. Gasoline Stockpiles rose 169,000 Barrels in the week compared to expectations of a drop by 600,000; U.S. Crude Oil Stockpiles fell 758,000 Barrels in the week compared to expectations of an increase by 1 Million Barrels; U.S. Refineries Ran At 83.1% versus 81.4% a week ago; U.S. Distillate Stockpiles rose 1.662 Million Barrels at 143.296 Million Barrels; U.S. Gasoline Stockpiles rose 0.168 Million Barrels at 215.51 Million Barrels; U.S. Crude Oil Stockpiles fell 0.757 Million Barrels at 350.59 Million Barrels.Beige Book:U.S. economy eroded further through late February; economic slump 'broad based,' near-term prospects poor; significant recovery not seen until late 2009, 2010; spending slow; autos 'exceptionally sluggish'; housing mostly 'in the doldrums'; no sign of easing in home price drop; lending down; mortgage demand 'depressed'; unemployment up broadly; wage pressures muted.At the NYSE closing bell on the New York Stock Exchange, here is how the major world indices and major U.S. stock indices ended the trading session on the world markets as well as the emerging markets including the stock market closing bell price:DOW (Dow Jones Industrial Average) triple digit gain of 149.82 points to end the trading session at 6,875.84NYSE (New York Stock Exchange) triple digit gain of 130.19 points to end the trading session at 4,464.89National Association of Securities Dealers Automated Quotations (NASDAQ) gain of 32.73 points to end the trading session at 1,353.74S&P 500 (SPX) gain of 16.54 points to end the trading session at 712.87BEL 20 (BEL20) gain of 17.92 points to end the trading session at 1,584.19CAC 40 (CAC40) triple digit gain of 121.13 points to end the trading session at 2,675.68FTSE100 (UKX100) triple digit gain of 133.78 points to end the trading session at 3,645.87NIKKEI 225 (NIK/O) gain of 61.24 points at the end the trading session at 7,290.96New York Stock Exchange (NYSE) stock market indicators for the trading session today:Advanced stock prices 2,465, declined stock prices 669, unchanged stock prices 76, stock prices hitting new highs 3 and stock prices hitting new lows 298. NYSE quotes for volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the New York Stock Exchange stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: Rio Tinto plc (NYSE: RTP) stock price gained 10.32 points on the trading session, high on the trading session $106.54, low on the trading session $99.24, with a closing stock price at $103.00; Devon Energy (NYSE: DVN) stock price gained 1.86 points on the trading session, high on the trading session $44.26, low on the trading session $42.00, with a closing stock price at $42.74; McDermott International (NYSE: MDR) stock price gained 1.55 points on the trading session, high on the trading session $11.69, low on the trading session $10.38, with a closing stock price at $11.42; ProShares Ultrashort Real Estate (NYSE: SRS) stock price shed 2.81 points on the trading session, high on the trading session $92.55, low on the trading session $83.03, with a closing stock price at $87.81; ProShares Ultrashort Financials (NYSE: SKF) stock price gained 2.88 points on the trading session, high on the trading session $218.00, low on the trading session $191.95, with a closing stock price at $207.88.National Association of Securities Dealers Automated Quotations (NASDAQ) stock market indicators for the trading session today:Advanced stock prices 1.955, declined stock prices 823, unchanged stock prices 140, stock prices hitting new highs 3 and stock prices hitting new lows 318. NASDAQ quotes, volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the NASDAQ stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: Baidu (NasdaqGS: BIDU) stock price gained 14.33 points on the trading session, high on the trading session $163.80, low on the trading session $151.70, with a closing stock price at $158.92; Apollo Group (NasdaqGS: APOL) stock price shed 5.60 points on the trading session, high on the trading session $74.70, low on the trading session $66.23, with a closing stock price at $66.51; Masimo (NasdaqGS: MASI) stock price gained 0.17 points on the trading session, high on the trading session $24.52, low on the trading session $21.00, with a closing stock price at $23.17; First Solar Incorporated (NasdaqGS: FSLR) stock price gained 1.56 points on the trading session, high on the trading session $117.79, low on the trading session $110.82, with a closing stock price at $112.00.Market trends on the American Stock Exchange (AMEX) and stock market indicators for the trading session today:Advanced stock prices 348, declined stock prices 227, unchanged stock prices 61, stock prices hitting new highs 1 and stock prices hitting new lows 35.Chicago Board of Trade Futures Market for the day, at time of this posting:E-mini S&P 500 (ES) Mar 09: End of trading session price 709; Change for the trading session 19.50E-mini NASDAQ-100 (NQ) Mar 09: End of trading session price 1,102.25; Change for the trading session 30.25E-mini DOW $5 (YM) Mar 09: End of trading session price 6,834; Change for the trading session 165E-mini S&P MidCap 400 (MF) Mar 09: End of trading session price 427.90; Change for the trading session 13.60E-mini S&P Small Cap 600 (HS) Mar 09: End of trading session price 7,375; Change for the trading session 325World Currencies for the Forex Market, for Forex Trading by active Forex Traders, at time of this posting:Euro 0.7915 to U.S. Dollars 1.2634Japanese Yen 99.040 to U.S. Dollars 0.0101British Pound 0.7064 to U.S. Dollars 1.4157Canadian Dollar 1.2743 to U.S. Dollars 0.7847Swiss Franc 1.1712 to U.S. Dollars 0.8538COMMODITY MARKETS:Energy Sector - Nymex:Light Crude (April 09) gained $3.73 on the trading session for a closing price of $45.38 per barrel ($US per barrel)Heating Oil (April 09) gained $0.03 on the trading session for a closing price of $1.21 a gallon ($US per gallon)Natural Gas (April 09) gained $0.05 on the trading session for a closing price of $4.34 per million BTU ($US per mmbtu.)Unleaded Gas (March 09) gained $0.06 on the trading session for a closing price of $1.38 a gallon ($US per gallon) Metals Markets - Comex:Gold (April 09) shed $6.90 on the trading session for a closing price of $906.70 ($US per Troy ounce)Silver (May 09) gained $0.20 on the trading session for a closing price of $12.92 ($US per Troy ounce)Platinum (April 09) gained $8.50 on the trading session for a closing price of $1,049.90 ($US per Troy ounce)Copper (May 09) gained $0.09 on the trading session for a closing price of $1.69 ($US per pound) Livestock and Meat Markets - Chicago Mercantile Exchange (cents per lb.):Lean Hogs (April 09) gained 1.48 on the trading session for a closing price of 62.33Pork Bellies (May 09) gained 3.00 on the trading session for a closing price of 81.55Live Cattle (April 09) gained 0.43 on the trading session for a closing price of 84.65Feeder Cattle (April 09) gained 1.05 on the trading session for a closing price of 93.85 Other Commodities - Chicago Board of Trade (cents per bushel):Corn (May 09) gained 13.00 on the trading session for a closing price of 363.50Soybeans (May 09) gained 15.00 on the trading session for a closing price of 868.50BOND MARKET:2 year Bond Closing price 99 27/32, change -4/32, Yield 0.95, Yield change 0.075 year Bond closing price of 99 20/32, change -9/32, Yield 1.95, Yield change 0.0610 year Bond closing price 97 31/32, change -27/32, Yield 2.98, Yield change 0.1030 year Bond closing price 96 26/32, change -1 5/32, Yield 3.67, Yield change 0.06Thanks for readingMillennium-Traders.Comhttp://www.millennium-traders.com

Online Trading

2009-05-15T23:18:00.000+07:00

Daily Market Commentary for March 31, 2009 Major U.S. indices hosted another positive trading session today amidst moderate trading volume creating a variety of action for those involved in online trading. (read more at Millennium-Traders.Com)http://www.millennium-traders.com/news/newscommentary.aspxEconomic data released today:ICSC-Goldman Store Sales:For week of March 28, chain store sales posted an increase 1.1% week-on-week and a decrease by 0.2% year-on-year for the best readings since the new year. Sales were strong even after taking into account effects surrounding Easter, which falls three weeks later this year. The report still sees full month sales flat to down 1%.Redbook:Redbook shows a 0.6% year-on-year rate being the best rate since the end of last December. Warm weather had a positive affect in the week.S&P Case-Shiller HPI:January shows steepening rates of price contraction, at -2.5% for the composite 10 index and -2.8% for the composite 20. Year-on-year rates of decline deepened at -19.4% for the 10 index and -19.0% for the 20 index. Developments in the housing sector are being monitored on a month-to-month basis given new efforts to limit foreclosures and the ongoing drop in mortgage rates. Data confirms that home-price contraction was deepening at the outset of the year.NAPM-Chicago:U.S. Chicago Purchasing Management adjusted March Index 31.4 versus February 34.2; U.S. Chicago Purchasing Management March Prices Paid Index 34.1 versus February 37.8; U.S. Chicago Purchasing Management March Supplier Deliveries 48.4 versus February 51.0; U.S. Chicago Purchasing Management March Employment Index 28.1 versus February 25.2; U.S. Chicago Purchasing Management March New Orders Index 30.9 versus February 30.6.Consumer Confidence:U.S. Conference Board March Consumer Confidence came in at 26.0 versus February reading of 25.3; U.S. Conference Board March Present Situation Index came in at 21.5 versus February reading of 22.3; U.S. Conference Board March Expectations Index came in at 28.9 versus February reading of 27.3. March consumer confidence index remained relatively unchanged in March. February's reading was 25.3, revised up slightly from the originally reported 25.0. The present situation index for March fell to 21.5 from February's upwardly revised 22.3, while the expectations index increased to 28.9, from the prior month's 27.3. It was originally reported at 27.5. Consumers referring to business conditions as "bad" rose to 51.1% of the survey from 50.5% during February. Consumers calling conditions "good" moved lower to 6.8%, from 7% previous month. The Conference Board found increased concerns about hiring with those calling jobs "hard to get" rising to 48.7% of from 46.9% during February. Those deeming jobs as "plentiful" remained unchanged at 4.6%.At the NYSE closing bell on the New York Stock Exchange, here is how the major world indices and major U.S. stock indices ended the trading session on the world markets as well as the emerging markets including the stock market closing bell price:DOW (Dow Jones Industrial Average) gain of 86.90 points to end the trading session at 7,608.92NYSE (New York Stock Exchange) gain of 79.93 points to end the trading session at 4,978.98National Association of Securities Dealers Automated Quotations (NASDAQ) gain of 26.79 points to end the trading session at 1,528.59S&P 500 (SPX) gain of 10.34 points to end the trading session at 797.87BEL 20 (BEL20) gain of 48.30 points to end the trading session at 1,748.74CAC 40 (CAC40) gain of 88 points to end the trading session at 2,807.34FTSE100 (UKX100) triple digit gain of 163.23 points to end the trading session at 3,762.91NIKKEI 225 (NIK/O) triple digit loss of 126.55 points to end the trading session at 8,109.53New York Stock Exchange (NYSE) stock market indicators for the trading session today:Advanced stock prices 2,034, declined stock prices 663, unchanged stock prices 521, stock prices hitting new highs 10 and stock prices hitting new lows 15. NYSE quotes for volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the New York Stock Exchange stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: Ingersoll-Rand Company Limited (NYSE: IR) stock price shed 0.18 points on the trading session, high on the trading session $14.20, low on the trading session $13.25, with a closing stock price at $13.80; State Street (NYSE: STT) stock price gained 2.80 points on the trading session, high on the trading session $31.71, low on the trading session $28.90, with a closing stock price at $30.78; Watson Pharmaceuticals (NYSE: WPI) stock price gained 2.52 points on the trading session, high on the trading session $32.95, low on the trading session $28.84, with a closing stock price at $31.36; Deutsche Bank AG (NYSE: DB) stock price gained 3.02 points on the trading session, high on the trading session $41.46, low on the trading session $38.88, with a closing stock price at $40.42.National Association of Securities Dealers Automated Quotations (NASDAQ) stock market indicators for the trading session today:Advanced stock prices 1,917, declined stock prices 893, unchanged stock prices 139, stock prices hitting new highs 13 and stock prices hitting new lows 15. NASDAQ quotes, volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the NASDAQ stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: TBS International (NasdaqGS: TBSI) stock price gained 0.84 points on the trading session, high on the trading session $8.19, low on the trading session $7.29, with a closing stock price at $7.33; Acorda Therapeutics (NasdaqGS: ACOR) stock price shed 5.09 points on the trading session, high on the trading session $20.98, low on the trading session $19.10, with a closing stock price at $19.81; First Solar (NasdaqGS: FSLR) stock price shed 4.06 points on the trading session, high on the trading session $140.02, low on the trading session $129.78, with a closing stock price at $132.70.Market trends on the American Stock Exchange (AMEX) and stock market indicators for the trading session today:Advanced stock prices 350, declined stock prices 175, unchanged stock prices 113, stock prices hitting new highs 3 and stock prices hitting new lows 7.Chicago Board of Trade Futures Market for the day, at time of this posting:E-mini S&P 500 (ES) June 09: End of trading session price 790.50; Change for the trading session 6.25E-mini NASDAQ-100 (NQ) June 09: End of trading session price 1,227.50; Change for the trading session 4.75E-mini DOW $5 (YM) June 09: End of trading session price 7,518; Change for the trading session 38E-mini S&P MidCap 400 (MF) June 09: End of trading session price 482.20; Change for the trading session 3.10World Currencies for the Forex Market, for Forex Trading by active Forex Traders, at time of this posting:Euro 0.7540 to U.S. Dollars 1.3263Japanese Yen 98.890 to U.S. Dollars 0.0101British Pound 0.6979 to U.S. Dollars 1.4329Canadian Dollar 1.2609 to U.S. Dollars 0.7931Swiss Franc 1.1387 to U.S. Dollars 0.8782COMMODITY MARKETS:Energy Sector - Nymex:Light Crude (May 09) gained $1.49 on the trading session for a closing price of $49.90 per barrel ($US per barrel)Heating Oil (May 09) gained $0.02 on the trading session for a closing price of $1.36 a gallon ($US per gallon)Natural Gas (May 09) gained $0.04 on the trading session for a closing price of $3.78 per million BTU ($US per mmbtu.)Unleaded Gas (April 09) gained $0.03 on the trading session for a closing price of $1.42 a gallon ($US per gallon) Metals Markets - Comex:Gold (June 09) gained $7.30 on the trading session for a closing price of $925.00 ($US per Troy ounce)Silver (May 09) shed $0.05 on the trading session for a closing price of $12.99 ($US per Troy ounce)Platinum (July 09) gained $8.00 on the trading session for a closing price of $1,128.80 ($US per Troy ounce)Copper (May 09) gained $0.08 on the trading session for a closing price of $1.84 ($US per pound) Livestock and Meat Markets - Chicago Mercantile Exchange (cents per lb.):Lean Hogs (June 09) gained 1.43 on the trading session for a closing price of 72.40Pork Bellies (May 09) gained 2.80 on the trading session for a closing price of 86.55Live Cattle (June 09) gained 1.63 on the trading session for a closing price of 81.70Feeder Cattle (May 09) gained 1.20 on the trading session for a closing price of 94.25 Other Commodities - Chicago Board of Trade (cents per bushel):Corn (May 09) gained 18.50 on the trading session for a closing price of 404.75Soybeans (May 09) gained 47.50 on the trading session for a closing price of 951.50BOND MARKET:2 year Bond Closing price 100 4/32, change 4/32, Yield 0.80, Yield change -0.045 year Bond closing price of 100 12/32, change 8/32, Yield 1.67, Yield change -0.0510 year Bond closing price 100 9/32, change 9/32, Yield 2.68, Yield change -0.0830 year Bond closing price 99 5/32, change 1, Yield 3.54, Yield change -0.07Thanks for readingMillennium-Traders.Comhttp://www.millennium-traders.com

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A Little Hope for the Festive Season After a Turbulent Storm

2009-05-15T23:17:00.000+07:00

Tricky would be a choice world to describe global equity throughout the second half of this year. Stock markets and economies appear to be balancing on a knife edge with the chances of a global recession as high as 50/50 according to some analysts. The credit crisis, interest rates, inflation, government debt and consumer spending are all interconnected and will form the focus for 2008. Last week, global stock markets closed a jittery week strongly with sentiment swinging around the news flow of these five factors. On Thursday, the Nasdaq 100 closed up over 2% on better than expected consumer spending numbers and earnings reports from Research In Motion (Blackberry) and Oracle Corp. The FTSE was one of the strongest markets last week on news that the last interest rate cut was voted for unanimously. This may increase the chances of a series of further rate cuts, with the next cut expected to come as soon as January 10th.The MPC said that a “substantial loosening of policy”might be needed to head off the risks to economic growth from the credit squeeze. Sterling plummeted to its lowest levels for three months against the dollar and to near its all time low against the Euro. UK shoppers hopping over to New York for Christmas shopping will have had much less of a bargain than hoped as the USD/ GBP exchange rate dropped below $2 to the pound on Thursday. A dramatic surge in Government Borrowing also affected sentiment as data from the Office of National Statistics showed that the UK's current account deficit had doubled in the third quarter to Â£20bn. This is now the biggest deficit in cash terms, at 5.7% of GDP and is now bigger than the US deficit comparatively. However a rate cut in January isn't a done deal with inflation fears persisting. A 'no change' verdict is most likely at the next meeting, according to many senior economists and interest rate futures. Libor (London Inter Bank Lending Rate) fell last week on the back of the global central bank 'rescue' plan. It is hoped that the easing of this rate means that credit markets will begin to flow again in the New Year without the need for another rate cut. There is much talk of the Santa Clause rally coming into effect between the close on Christmas Eve and New Years Eve. Since 1940 the S&P 500 has been up during this period 76% of the time with an average gain of 0.8%. The effect has diminished in recent years according to Bespoke Investments with the S&P 500 actually posting a decline on average during the festive period since the start of the current bull market in 2003.According to the Stock Trader's Almanac when the rally doesn't appear, it can be bad news for the stock market. “If Santa Clause should fail to call; bears may come to Broad Wall” as they put it. This was certainly on the mark back in 2000. Next week there is a reduced Christmas trading calendar. Most notable are US core durable goods orders & consumer confidence on Thursday. On Friday, house price sentiment will again dominate with the UK's Nationwide house price data and US new home sales released at the end of the week. Thursday and Friday's strength was impressive, but it could be argued that the rally from Tuesday was too far too fast. We are entering a seasonably positive period, but the speed of Friday's rally may have exhausted the bulls' enthusiasm earlier than expected.Therefore a no touch higher may be the better option for the Christmas week and beyond. This allows for some minor further upside while providing exposure to churning market over the next month. A 'No Touch'higher on the S&P 500 with the trigger set to 1590 over 35 days returns a yield of 10%. This level is 14 points higher than the all time high posted in October.- THE END -Contact Details:Name: Mike WrightTel: 448003762737Email: editor@my.regentmarkets.comUrl: Betonmarkets.com & Betonmarkets.co.ukAddress:Regent Markets (IOM) Limited3rd Floor, 1-5 Church StreetDouglas, Isle of ManIM1 2AG

Bailout Dramas Generate More Stock Market Black Mondays

2009-05-15T23:16:00.000+07:00

Another dramatic weekend saw four banks receive government bail outs, not to mention the further file sales and mergers. Mondays have been chaos for the last few weeks, as governments on both sides of the pond prefer to work through major announcements, mergers, and bailouts, over the relative calm of the weekend. Although Bradford and Bingley grabbed the headlines in the UK, governments in Belgium, the Netherlands, and Luxemburg had to throw billions at Fortis, while Germany guaranteed loans to Hypo Real Estate. In the US, investors waved goodbye to Wachovio as a takeover by Wells Fargo pleased traders, in part as it indicated further mergers and acquisitions might be on the cards.
The week's biggest event was of course ‘black Monday' as the senate rejected the proposed US $700bn bailout package. Confidence waxed and waned throughout the rest of the week, but ironically it was the passing of the amended bailout bill that sparked a major reversal on Friday. US markets closed down below Monday's lows with the Dow closing at its lowest level for nearly three years.
Dire housing figures were released on both sides of the Atlantic, with the UK and US house price collapse showing no signs of a turn around. There were record declines in the Case-Schiller house price index, which put house prices down 17.5% year on year. UK house prices also registered record declines as the average cost of a home fell 12.4% from a year earlier. The lockdown in the credit markets is having a significant effect on the housing market. Without access to mortgages at reasonable rates, mortgage approval rates have tumbled by over 90% in the UK over the last year.
Virtually all aspects of the credit markets are locked down, from money markets to the Treasury market. Three month Libor for Euros, the London Interbank Lending rate hit 5.33% last week, an all time high. With no confidence in each other's financial positions, banks have simply stopped lending to each other.
As a sign of the level of the crisis, the ECB last week shifted its focus from fighting inflation, to the problems in the economy. Until now, ECB chairman Trichet has kept the focus almost entirely on fighting inflation, even as Ireland formally slid into recession. A Eurozone rate cut is looking likely in the next two months, this news and benign oil price action pushed the European single currency to its lowest level against the Dollar for over a year. In the US, Fed Fund futures moved to price in a 50bps cut in interest rates before the end of the month. Although the futures market can get it very wrong, the price available is currently inferring a 100% probability of a cut.
Next week's major economic announcements start on Tuesday with ECB chairman Trichet and FOMC chairman Bernanke due to speak. Tuesday evening also sees the release of the minutes from the last FOMC meeting. With traders speculating on an imminent rate cut and events moving quickly since the last meeting, the minutes may now be a little out of date. However, they will still be examined in detail for clues on future policy decisions. In the UK manufacturing production figures are released in the morning with Halifax hours price figures planned for release some time throughout the day. Thursday sees the Bank of England's MPC set interest rates. Traders are currently pricing in a quarter point cut.
According to Jason Goepfert at SentimenTrader.com "the only other times in its history that the S&P 500 lost more than it did this week were the weeks of 10/19/87, 04/10/00 and 09/17/01 - all three times it bounced back the following week (by an average of +5%) and following quarter (by an average of +8.9%)." Although a failure to hold above last week's lows in the first few days of next week could spark further selling, there is at least the potential for a significant snap rally in the next few weeks, said traders at BetOnMarkets.com. Placing a One Touch trade predicting the S&P 500 to touch 1180 at any time during the next 16 days could return 100%.

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Time Out! Living Life to the Fullest as an FX Trader

2009-05-15T23:13:00.000+07:00

It's hard to believe that some folks who are into FX trading do nothing but sit in front of their computer everyday. That's a bit hard to digest considering that prolonged sitting has been associated with numerous problems. Back pain of all sorts, fatigue, varicose veins, stress...you name it. But there are traders who are like that, says my boss. They had become so absorbed in monitoring their positions. That is just so not human.So, when the day turned into a week, weeks turn to months and 12 months is equals to a year, what's next for a forex trader? FX trading is really difficult they would say. Newbies and pros would tell you that. Sure, part-time forex trading is also an option so you don't have to stay glued to your PC all-day (and night long). However, that does not guarantee profit and life is continuously moving around while the trader is constantly glued to his/her seat.Then what is the remedy to unglue a super engrossed trader? All the money earned from trading has got to go somewhere. And there is nothing wrong to unwind and relax. Here are some ways to do just that.Rent a beach front villa. Or better yet, purchase one. Find a perfect place for you and your loved ones to relax and soak under the sun. Whether that may be in Mexico, the Caribbean or simply in Florida Keys, a much needed vacation is definitely a must. Now that prices of homes have dramatically declined, this could be the perfect time to get a rest house. And the good thing about going on vacation is that you can still take your trading tools with you.Set out in an all inclusive luxury cruise. A pleasure voyage is definitely in for the upcoming summer season. But instead going in a regular cruise ship, book a luxury cruise instead. Luxury cruise ships tend to be smaller than mainstream cruise liners with an average capacity of between 148 and 388 passengers. This type of cruise is above and beyond a regular sea voyage since luxury cruise liners have more staff onboard (usually a staff-passenger ratio of 1:2), have more exotic itineraries and top rating amenities. Notable luxury cruise liners are Crystal Cruises, Regent Seven Seas Cruises, Seabourn Cruise Line, Silversea Cruises, and Windstar Cruises.Go scuba diving. Since we are situated on land, it is nice to discover what is beneath the vast oceans. There are several diving spots recommended by various scuba enthusiasts that may thrill you as well. Visit international diving spots like Galapagos Islands in Ecuador or perhaps the Cayman Islands. After enjoying the breath-taking sceneries, you still have the time to face your computer and monitor the market action.These are just some ways to take a temporary time-off from trading. Although being an FX trader may become the blueprint of your life (since it makes you rich!), all work and no fun makes a man's life completely dull. It should be used to live life to the fullest.

Market America

2009-05-15T23:12:00.000+07:00

Daily Market Commentary for October 7, 2008 from Millennium-Traders.ComAt the closing bell, major market indices ended the session at their lows of the day and triple digit losses were in place. The DOW gave up over 500 points again by the end of the trading day today. (read more)http://www.millennium-traders.com/news/newscommentary.aspxEconomic data released today:Consumer Credit:U.S. Consumer Credit declines for first time in 10 years during August; U.S. Consumer Credit August decline is first drop since January 1998; U.S. August Consumer Credit decreased $7.9 Billion; July Consumer Credit Revised to up $5.2 Billion from up $4.6 Billion. Rate of borrowing by Americans declined for the first time in 10 years during the month of August which is a clear sign of building stress on household finances. According to a report from the U.S. Federal Reserve, outstanding consumer credit decreased by $7.9 billion during the month of August to $2.577 trillion. Data follows a $5.2 Billion consumer credit increase during July which is an upward revision from a previously estimated $4.6 billion increase. August credit fell far short of Wall Street predictions with a prior forecast of $6.0 billion increase in credit for the month. The 3.7 percent drop was the first decline since January 1998 when credit fell 4.3 percent or $4.7 billion. Slowdown suggests financial stress on U.S. households and borrowing tends to slow with softer spending during a weakened economy. Consumer credit data excludes home mortgages and other real estate-secured loans as these tend to be highly volatile, month to month and are frequently revised. Revolving debt which mostly reflects credit-card financing fell for month of August at a seasonally adjusted annual rate of 0.8 percent or $612 million to $969 billion. Credit during July rose 5.0 percent or $4.0 billion which is revised from an originally reported increase of $3.9 billion. Some households relied on credit cards to fight off higher food and oil prices, declining home values and tightened credit conditions. Non-revolving credit decreased during month of August at a seasonally adjusted annual rate of 5.4 percent or $7.3 billion to $1.608 trillion. Credit during July climbed 0.9 percent or $1.2 billion which was revised from originally reported $678 million advance. Non-revolving credit is mainly automobile loans.FOMC Minutes: Cite risks to growth, inflation; intensified financial market strains could hurt economy; expected inflation to moderate this year, next year; inflation outlook remains highly uncertain; credit, energy, housing seen weighing on economy; lowered forecast slightly for 2009 real GDP; saw real GDP rising slowly in 4Q, faster in 2009; saw GDP growing less than potential; some FOMC Officials indicate decline of home prices might slow.At the NYSE closing bell on the New York Stock Exchange, here is how the major world indices and major U.S. stock indices ended the session on the world market as well as the emerging markets including the stock market closing bell price:DOW (Dow Jones Industrial Average) triple digit loss of 508.39 points on the day to end the trading session at 9,447.11NYSE (New York Stock Exchange) triple digit loss of 366.53 points to end the trading session at 6,388.38National Association of Securities Dealers Automated Quotations (NASDAQ) triple digit loss of 108.00 points to end the trading session at 1,754.01S&P 500 loss of 60.66 points to end the trading session at 996.23FTSE All-World excluding U.S. loss of 5.25 points to end the trading session at 169.10FTSE RAFI 1000 triple digit loss of 268.85 points to end the trading session at 3,934.05BEL 20 (BEL20) loss of 58.9 points to end the trading session at 2,508.69CAC 40 (CAC40) gain of 20.24 points to end the trading session at 3,732.22FTSE100 (UKX100) gain of 16.03 points to end the trading session at 4,605.22NIKKEI 225 (NIK/O) triple digit loss of 317.19 points to end the trading session at 10,155.90New York Stock Exchange (NYSE) stock market indicators for the day:Advanced stock prices 426 declined stock prices 2,847; unchanged stock prices 34; stock prices hitting new highs 4 and stock prices hitting new lows 1,040.NYSE quotes for volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the New York Stock Exchange stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: Apartment Investment and Management (NYSE: AIV) stock price shed 9.50 points on the trading session, high on the trading session $34.94, low on the trading session $25.50 with a closing stock price at $25.50.National Association of Securities Dealers Automated Quotations (NASDAQ) stock market indicators today:Advanced stock prices 539; declined stock prices 2,427; unchanged stock prices 103; stock prices hitting new highs 5; stock prices hitting new lows 684.NASDAQ quotes, volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the NASDAQ stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: G&K Services Incorporated (NasdaqGS: GKSR) stock price shed 3.62 points on the trading session, high on the trading session $29.10, low on the trading session $24.49 with a closing stock price at $26.39; People Support Incorporated (NasdaqGS: PSPT) stock price shed 2.76 points on the trading session, high on the trading session $11.38, low on the trading session $8.95 with a closing stock price at $9.25; Google Incorporated (NasdaqGS: GOOG) stock price shed 25.20 points on the trading session, high on the trading session $374.98, low on the trading session $345.37 with a closing stock price at $346.01; First Solar Incorporated (NasdaqGS: FSLR) stock price shed 32.31 points on the trading session, high on the trading session $147.66, low on the trading session $125.52 with a closing stock price at $127.40.Market trends on the American Stock Exchange (AMEX) and stock market indicators for today:Advanced stock prices 376; declined stock prices 867; unchanged stock prices 78; stock prices hitting new highs 31; stock prices hitting new lows 428.Chicago Board of Trade Futures Market activity for the day, at time of this posting for December 2008 Contracts:E-mini S&P 500 (ES) end of day price 1,006.25 change 0.50E-mini NASDAQ-100 (NQ) end of day price 1,339.50, change 3.00E-mini S&P SmallCap 600 (SMP) end of day price 300.70, change 0.00$5 DJIA (YM) end of day price 9,531 change -7World Currencies for the Forex Market, for Forex Trading by active Forex Traders, at time of this posting:Euro 0.7355 to U.S. Dollars 1.3597Japanese Yen 101.42 to U.S. Dollars 0.0099British Pound 0.5726 to U.S. Dollars 1.7465Canadian Dollar 1.1053 to U.S. Dollars 0.9047Swiss Franc 1.1391 to U.S. Dollars 0.8779Commodity Markets:Energy Sector: Light Crude (NYMEX: NYM) gained $2.25 on the day for a closing price of $90.06 a barrel ($US per barrel)Heating Oil (NYMEX: NYM) gained $0.03 on the day for a closing price of $2.51 a gallon ($US per gallon)Natural Gas (NYMEX: NYM) shed $0.07 on the day for a closing price of $6.77 per million BTU ($US per mmbtu.)Unleaded Gas (NYMEX: NYM) no change on the day for a closing price of $2.06 a gallon ($US per gallon) Metals Markets:Gold Market Price (COMEX: CMX) gained $15.80 on the day for a closing price of $882.00 ($US per Troy ounce)Silver (COMEX: CMX) gained $0.10 on the day for a closing price of $11.38 ($US per Troy ounce)Platinum (NYMEX: NYM) gained $34.20 on the day for a closing price of $1,020.70 ($US per Troy ounce)Copper (COMEX: CMX) gained $0.04 on the day for a closing price of $2.53 ($US per pound) Livestock and Meat Markets (cents per lb.):Lean Hogs (Chicago Mercantile Exchange: CME) gained 0.43 on the day for a closing price of 66.90Pork Bellies (Chicago Mercantile Exchange: CME) gained 0.30 on the day for a closing price of 93.35Live Cattle (Chicago Mercantile Exchange: CME) gained 0.33 on the day for a closing price of 95.10Feeder Cattle (Chicago Mercantile Exchange: CME) gained 0.85 on the day for a closing price of 98.65 Other Commodities (cents per bushel):Corn (Chicago Board of Trade: CBT) shed 7.00 on the day for a closing price of 417.00Soybeans (Chicago Board of Trade: CBT) gained 4.00 on the day for a closing price of 926.00Bond Market:2 year bond shed 1/32 on the day for a closing price of 101 2/32 with a Yield of 1.45, Yield Change 0.025 year bond shed 1/32 on the day for a closing price of 103 4/32 with a Yield of 2.45, Yield Change 0.0110 year bond shed 13/32 on the day for a closing price of 104 2/32 with a Yield of 3.50, Yield Change 0.0530 year bond shed 26/32 on the day for a closing price of 108 8/32 with a Yield of 4.02, Yield Change 0.05Thanks for readingMillennium-Traders.Comhttp://www.millennium-traders.com

Tax Code

2009-05-15T23:08:00.001+07:00

Daily Market Commentary for April 15, 2009 President Barack Obama pledged to rewrite the "monstrous" U.S. tax code, which he said is "far too complicated" for most people to grasp. (read more at Millennium-Traders.Com)http://www.millennium-traders.com/news/newscommentary.aspxEconomic data released today:Consumer Price Index:U.S. March Consumer Prices fell by 0.1% compared to consensus of a drop by 0.1%; U.S. March CPI Excluding-Food & Energy increased by 0.2% compared to consensus of an increase by 0.1%; U.S. March CPI Unrounded fell by 0.138%; U.S. March CPI Unrounded Core increased by 0.171%; U.S. March CPI Energy Prices fell by 3.0%; U.S. March CPI Food Prices fell by 0.1%; U.S. CPI fell by 0.4% on the year which is the first decline since August 1955; U.S. Real Average Weekly Earnings unchanged in March.Empire State Manufacturing Survey:New York Fed's April Manufacturing Index fell 14.65 versus drop by 38.23 in March; New York Fed April New Orders fell 3.88 versus drop by 44.76 in March; New York Fed April Employment fell 28.09 versus drop by 38.20 in March; New York Fed April Prices received fell 17.98 versus drop by 23.60 in March.Treasury International Capital:Net Foreign LT Securities Purchases came in at $5.0B in February; Net LT Securities Purchases $22.0 Billion in February; Net Foreign Capital Outflow $97.0 Billion in February; Foreigners Net Buyers $21.6 Billion U.S. Treasury Notes, Bonds in February; Foreigners Net Buyers $1.1 Billion of U.S. Agency Debt in February; Foreigners Net Buyers $3.3 Billion of U.S. Corp Bonds in February; Foreigners Net Sellers $5.1 Billion of U.S. Equities in February.Industrial Production:U.S. March Industrial Production fell by 1.5% compared to consensus of a drop by 0.9%; U.S. March Capacity Utilization fell by 1.0 point at 69.3% compared to consensus 69.7%; U.S. February Capacity Use revised to 70.3% from 70.2%; U.S. February Industrial Production unrevised at a drop by 1.5%.EIA Petroleum Status Report by the Department of Energy: U.S. Crude Oil Stockpiles increased by 5.6 Million Barrels at 366.7 Million Barrels; U.S. Gasoline Stockpiles fell by 0.9 Million Barrels at 216.5 Million Barrels; U.S. Distillate Stockpiles fell by 1.2 Million Barrels at 139.6 Million Barrels; U.S. Refineries Ran at 80.4% capacity versus 81.8% a week ago; U.S. Crude Oil Stockpiles increased by 5.6Million Barrels in the week compared to expectations of an increase by 2.1 Million Barrels; U.S. Gasoline Stockpiles fell by 900,000 Barrels in the week compared to expectations of drop by 500,000 Barrels; U.S. Distillate Stockpiles fell by 1.2 Million Barrels in the week compared to expectations of drop by 700,000; U.S. Refineries ran at 80.4% capacity compared to expectations of an increase by 0.3 points at 82.1%.Housing Market Index:U.S. NAHB (National Association of Home Builders) April Housing Index came in at 14 versus 9 in March hitting its highest reading in six months. The reading gives home builders a sense that the bottom has been struck, in the housing crisis. "This is a very encouraging sign that we are at or near the bottom of the current housing depression," NAHB chief economist David Crowe said. "With the prime home buying season now under way, builders report that more buyers are responding to the pull of much-improved affordability measures, including low home prices, extremely favorable mortgage rates and the introduction of the $8,000 first-time home buyer tax credit," Crowe said. During April, a component within the housing market index that measures current sales conditions rose to 13 from 8 in March with an index gauging traffic of prospective buyers increased to 14 from 9. The index gauging sales expectations over the next six months increased to 25 from 15.Beige Book:Pace of economic decline slowing in some areas; economy contracted further through April; five districts see economic decline moderating; manufacturing weakened in most districts; retail spending remained sluggish; real-estate markets still weak; home prices still falling in most areas; business travel spending declined; credit conditions still tight; bankers report rising delinquencies; downward pressure on prices across all districts; job cuts, hiring freezes continue.At the NYSE closing bell on the New York Stock Exchange, here is how the major world indices and major U.S. stock indices ended the trading session on the world markets as well as the emerging markets including the stock market closing bell price:DOW (Dow Jones Industrial Average) triple digit gain 109.44 points, EOD 8,029.62NYSE (New York Stock Exchange) gain 83.47 points, EOD 5,384.97National Association of Securities Dealers Automated Quotations (NASDAQ) gain 1.08 points, EOD 1,626.80S&P 500 (SPX) gain 10.56 points, EOD 852.06BEL 20 (BEL20) gain 26.01 points, EOD 1,848.33CAC 40 (CAC40) loss 14.48 points, EOD 2,985.74FTSE100 (UKX100) loss 20.59 points, EOD 3,968.40NIKKEI 225 (NIK/O) loss 99.72 points, EOD 8,742.96New York Stock Exchange (NYSE) stock market indicators for the trading session today:Advanced stock prices 1,951, declined stock prices 712, unchanged stock prices 500, stock prices hitting new highs 3 and stock prices hitting new lows 4. NYSE quotes for volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the New York Stock Exchange stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living:SKF - shed 5.87 points, HOD $71, LOD $60.55, EOD $61.39;CME - gain 4.69 points, HOD $255, LOD $232.50, EOD $252.19;RTP - shed 2.46 points, HOD $145, LOD $140.23, EOD $143.36;GS - gain 6.08 points, HOD $122.10, LOD $113.57, EOD $121.19;ABT - shed 1.986 points, HOD $44.21, LOD $41.88, EOD $42.73;BTU - shed 3.29 points, HOD $27.39, LOD $25.11, EOD $26.05;AMR -gain 0.79 points, HOD $5.15, LOD $3.90, EOD $5.01;RJF - shed 2.58 points, HOD $16.50, LOD $14.78, EOD $16.48;BKC - shed 3.91 points, HOD $19.78, LOD $18.26, EOD $18.77;PJC - gain 5.07 points, HOD $32.22, LOD $28.02, EOD $32.15;CSX - shed 2.20 points, HOD $31.68, LOD $29.56, EOD $30.59.National Association of Securities Dealers Automated Quotations (NASDAQ) stock market indicators for the trading session today:Advanced stock prices 1,735, declined stock prices 1,023, unchanged stock prices 133, stock prices hitting new highs 7 and stock prices hitting new lows 14. NASDAQ quotes, volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the NASDAQ stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living:FNFG - shed 0.16 points, HOD $12.68, LOD $12.10, EOD $12.58;FSLR - gain 1.46 points, HOD $151.60, LOD $147.17, EOD $149.56;LUFK - shed 7.43 points, HOD $34.74, LOD $29.75, EOD $30.40;HCSG - gain 1.47 points, HOD $18.99, LOD $16, EOD $17.38;LLTC - shed 0.71 points, HOD $22.80, LOD $22.14, EOD $22.54;BIDU - shed 2.89 points, HOD $197.60, LOD $189.11, EOD $195.06.Market trends on the American Stock Exchange (AMEX) and stock market indicators for the trading session today:Advanced stock prices 297, declined stock prices 200, unchanged stock prices 109, stock prices hitting new highs 2 and stock prices hitting new lows 5.Chicago Board of Trade Futures Market for the day, at time of this posting:E-mini S&P 500 (ES) June 09: EOD 848.75; Change 0.25E-mini NASDAQ-100 (NQ) June 09: EOD 1,317; Change 0.00E-mini DOW $5 (YM) June 09: EOD 7,985; Change 5E-mini S&P MidCap 400 (MF) June 09: EOD 527.40; Change 0.00Nikkei 225 (Yen) June 09; EOD 8,850; Change 0World Currencies for the Forex Market, for Forex Trading by active Forex Traders, at time of this posting:Euro 0.7562 to U.S. Dollars 1.3224Japanese Yen 99.35 to U.S. Dollars 0.0101British Pound 0.6668 to U.S. Dollars 1.4996Canadian Dollar 1.2040 to U.S. Dollars 0.8306Swiss Franc 1.1430 to U.S. Dollars 0.8749COMMODITY MARKETS:Energy Sector - Nymex:Light Crude (May 09) loss $0.16, EOD $49.25 per barrel ($US per barrel)Heating Oil (June 09) loss $0.00, EOD $1.42 a gallon ($US per gallon)Natural Gas (May 09) no change $0.06, EOD $3.75 per million BTU ($US per mmbtu.)Unleaded Gas (May 09) shed $0.01, EOD $1.46 a gallon ($US per gallon) Metals Markets - Comex:Gold (June 09) gain $1.50, EOD $893.50 ($US per Troy ounce)Silver (May 09) gain $0.04, EOD $12.80 ($US per Troy ounce)Platinum (July 09) gain $6.70, EOD $1,225 ($US per Troy ounce)Copper (July 09) gain $0.08, EOD $2.21 ($US per pound) Livestock and Meat Markets - Chicago Mercantile Exchange (cents per lb.):Lean Hogs (June 09) gain 0.45, EOD 73.05Pork Bellies (May 09) shed 1.00, EOD 86.80Live Cattle (June 09) gain 1.05, EOD 84.78Feeder Cattle (August 09) gain 1.50, EOD 101.85 Other Commodities - Chicago Board of Trade (cents per bushel):Corn (July 09) shed 9.50, EOD 394Soybeans (July 09) gain 14.50, EOD 1,031.50BOND MARKET:2 year EOD 100 1/32, change 0, Yield 0.85, Yield change 0.005 year EOD 100 7/32, change 3/32, Yield 1.70, Yield change -0.0210 year EOD 99 27/32, change 6/32, Yield 2.76, Yield change -0.0230 year EOD 97 6/32, change 1/32, Yield 3.65, Yield change -0.06Thanks for readingMillennium-Traders.Comhttp://www.millennium-traders.com

Chapter 11 Bankruptcy

2009-05-15T23:07:00.000+07:00

Daily Market Commentary for February 17, 2009 from Millennium-Traders.ComJust how many times has Donald Trump been involved in bankruptcy filings? (read more)http://www.millennium-traders.com/news/newscommentary.aspxEconomic data released today:Empire State Manufacturing Survey:New York Fed's February Manufacturing Index fell 34.65 versus drop of 22.20 in January; New York Fed February New Orders fell 30.51 versus drop of 22.81 in January; New York Fed February Employment fell 39.08 versus drop of 26.14 in January; New York Fed February Prices Received -20.69 versus drop of 3.41 in January.Housing Market Index:U.S. National Association for Home Builders (NAHB) February Housing Index 9 versus 8 in January.At the NYSE closing bell on the New York Stock Exchange, here is how the major world indices and major U.S. stock indices ended the trading session on the world markets as well as the emerging markets including the stock market closing bell price:DOW (Dow Jones Industrial Average) triple digit loss of 297.96 points to end the trading session at 7,552.45NYSE (New York Stock Exchange) triple digit loss of 267.65 points to end the trading session at 4,939.11National Association of Securities Dealers Automated Quotations (NASDAQ) loss of 63.70 points to end the trading session at 1,470.66S&P 500 (SPX) loss of 37.67 points to end the trading session at 787.17BEL 20 (BEL20) loss of 49.01 points to end the trading session at 1,783.23CAC 40 (CAC40) triple digit loss of 122.63 points to end the trading session at 2,875.23FTSE100 (UKX100) triple digit loss of 155.46 points to end the trading session at 4,034.13NIKKEI 225 (NIK/O) triple digit loss of 300.43 points at the end the trading session at 7,645.51New York Stock Exchange (NYSE) stock market indicators for the trading session today:Advanced stock prices 236, declined stock prices 2,912, unchanged stock prices 57, stock prices hitting new highs 6 and stock prices hitting new lows 233. NYSE quotes for volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the New York Stock Exchange stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: Eni S.p.A. (NYSE: E) stock price shed 2.20 points on the trading session, high on the trading session $43.29, low on the trading session $42.26, with a closing stock price at $42.26; ProShares Ultrashort Real Estate (NYSE: SRS) stock price gained 9.59 points on the trading session, high on the trading session $79.00, low on the trading session $74.11, with a closing stock price at $78.35; POSCO (NYSE: PKX) stock price shed 8.73 points on the trading session, high on the trading session $59.98, low on the trading session $56.56, with a closing stock price at $57.43; Deere & Company (NYSE: DE) stock price shed 2.62 points on the trading session, high on the trading session $34.78, low on the trading session $33.03, with a closing stock price at $33.49; ProShares Ultrashort Financials (NYSE: SKF) stock price gained 23.57 points on the trading session, high on the trading session $169.96, low on the trading session $157.76, with a closing stock price at $169.10; MasterCard Incorporated (NYSE: MA) stock price shed 6.81 points on the trading session, high on the trading session $159.46, low on the trading session $152.66, with a closing stock price at $155.09; PowerShares DB Crude Oil (NYSE: DTO) stock price gained 27.41 points on the trading session, high on the trading session $243.58, low on the trading session $230.54, with a closing stock price at $242.80.National Association of Securities Dealers Automated Quotations (NASDAQ) stock market indicators for the trading session today:Advanced stock prices 417, declined stock prices 2,375, unchanged stock prices 117, stock prices hitting new highs 3 and stock prices hitting new lows 213. NASDAQ quotes, volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the NASDAQ stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: Itron Incorporated (NasdaqGS: ITRI) stock price shed 3.75 points on the trading session, high on the trading session $57.25, low on the trading session $53.49, with a closing stock price at $54.21; Schnitzer Steel Industries (NasdaqGS: SCHN) stock price shed 5.15 points on the trading session, high on the trading session $42.12, low on the trading session $36.29, with a closing stock price at $37.89; First Solar Incorporated (NasdaqGS: FSLR) stock price shed 10.95 points on the trading session, high on the trading session $142.87, low on the trading session $133.18, with a closing stock price at $133.50.Market trends on the American Stock Exchange (AMEX) and stock market indicators for the trading session today:Advanced stock prices 156, declined stock prices 409, unchanged stock prices 51, stock prices hitting new highs 5 and stock prices hitting new lows 26.Chicago Board of Trade Futures Market for the day, at time of this posting:E-mini S&P 500 (ES) Mar 09: End of trading session price 787.25; Change for the trading session -32.750E-mini NASDAQ-100 (NQ) Mar 09: End of trading session price 1,183.25; Change for the trading session -46E-mini DOW $5 (YM) Mar 09: End of trading session price 7,520; Change for the trading session -259E-mini S&P MidCap 400 (MF) Mar 09: End of trading session price 480.50; Change for the trading session -19.80E-mini S&P Small Cap 600 (HS) Mar 09: End of trading session price 7,425; Change for the trading session -260World Currencies for the Forex Market, for Forex Trading by active Forex Traders, at time of this posting:Euro 0.7935 to U.S. Dollars 1.2602Japanese Yen 92.360 to U.S. Dollars 0.0108British Pound 0.7020 to U.S. Dollars 1.4246Canadian Dollar 1.2646 to U.S. Dollars 0.7908Swiss Franc 1.1677 to U.S. Dollars 0.8564COMMODITY MARKETS:Energy Sector - Nymex:Light Crude (March 09) shed $2.58 on the trading session for a closing price of $34.93 per barrel ($US per barrel)Heating Oil (March 09) shed $0.12 on the trading session for a closing price of $1.18 a gallon ($US per gallon)Natural Gas (March 09) shed $0.24 on the trading session for a closing price of $4.22 per million BTU ($US per mmbtu.)Unleaded Gas (March 09) shed $0.09 on the trading session for a closing price of $1.11 a gallon ($US per gallon) Metals Markets - Comex:Gold (April 09) gained $25.30 on the trading session for a closing price of $967.50 ($US per Troy ounce)Silver (March 09) gained $0.39 on the trading session for a closing price of $14.01 ($US per Troy ounce)Platinum (April 09) gained $37.30 on the trading session for a closing price of $1,098.90 ($US per Troy ounce)Copper (March 09) shed $0.11 on the trading session for a closing price of $1.44 ($US per pound) Livestock and Meat Markets - Chicago Mercantile Exchange (cents per lb.):Lean Hogs (April 09) shed 2.70 on the trading session for a closing price of 61.05Pork Bellies (March 09) shed 0.55 on the trading session for a closing price of 80.95Live Cattle (April 09) shed 2.78 on the trading session for a closing price of 84.23Feeder Cattle (March 09) shed 2.85 on the trading session for a closing price of 91.63 Other Commodities - Chicago Board of Trade (cents per bushel):Corn (March 09) shed 13.75 on the trading session for a closing price of 359.00Soybeans (March 09) shed 53.25 on the trading session for a closing price of 904.50BOND MARKET:2 year Bond Closing price 100 1/32, change 7/32, Yield 0.85, Yield change -0.115 year Bond closing price of 100 14/32, change 1, Yield 1.65, Yield change -0.2110 year Bond closing price 100 31/32, change 2 7/32, Yield 2.63, Yield change -0.2630 year Bond closing price 100 16/32, change 3 21/32, Yield 3.47, Yield change -0.29Access upcoming scheduled economic data anytime by viewing the Economic Calendar from Millennium-Traders, free access to visitors on our website.Visitors may subscribe to our free Weekly MarketNews for a review of the previous weeks trading news plus, view upcoming economic data scheduled for the week ahead.Review current edition as well as, archives of the News & Commentary plus, view complete details of calls made in our Trading Rooms and stock picks from our Swing Trading service. Traders should review our FREE Monthly Trading Lesson posted on our website.Thanks for readingMillennium-Traders.Comhttp://www.millennium-traders.com

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I Need a Job - not Stimulus

2009-05-15T23:05:00.000+07:00

I just listened to the current U.S. Treasury Secretary Timothy Geithner layout his economic plan; the problem was, the only thing I really heard was that he would be getting us details in the next few weeks, a web site they are currently working on. I can’t take it any longer, this is getting ridiculous, all I know is that making money is harder, keeping a job is harder, getting a job is harder, and paying bills is harder. Forget about talking about home values or the real estate market.
The stimulus package the U.S. Congress is working on would raise the government’s commitment to solving the financial crisis to $9.7 trillion, enough to pay off more than 90 percent of the nation’s home mortgages.
The $9.7 trillion in pledges would be enough to send a $1,430 check to every man, woman and child alive in the world. And according to Congressional Budget Office data, this is 13 times what the U.S. has spent so far on the wars in Iraq and Afghanistan. Whatever….
Next, you would expect me to pull out the charts and graphs, but that’s not going to happen. I am not an economist, I am your next door neighbor, and you know the one. I am the one that has seen my property value drop like everyone else in America, the one that has a vacant house next to them, the one that sees foreclosures in the neighborhood, the one that knows people losing their jobs, the one that is unfortunately laying people off, the one that can’t get business loans, the one that is suffering many of the same economic issues you are facing.
Listen, I can’t give you the magic formula to a successful economy, but what I can do is tell you what I think would make a difference and that’s what I am going to do. I will let the smart people figure how we can do it. I hear ideas everyday and some are good, well thought out and some aren’t. Maybe my idea is one you feel is not well thought out, but that’s okay, at least I will get it off my chest and feel better about it. I just hope and pray that someone along the way gets a small idea from what I’ve written and that idea will make it into the system somewhere…somehow.
As I write this, Fed Chairman Bernanke is speaking on TV. I just heard him say something about what we are doing in certain areas is working. One of the senators just cracked a smile to a fellow colleague, rightfully so. I don’t know of anything they are doing to help me, my customers, friends or family. The problem is it is a trickle down effect from the top down and what we need is a flood up effect from the bottom up.
You want to make things take off quickly do something that helps the masses now, and thanks but no thanks, a $600.00 stimulus check won’t help anyone but Wal-Mart. So in an organized thought here is my basis for an economic plan form the bottom up.
First anyone in America that has a mortgage, let’s start with a primary residence, the federal government will take some of the bail out money and use it to help reforecast these mortgages. Yes, some will benefit and some will be penalized but in the end we all will be better off. As mentioned above, we have enough money to pay off nearly all mortgages. We don’t need all of the funds, so that’s good. Let’s reset all mortgages to 85% of the current tax assessed value, not appraised value but tax assessment. This does numerous things; one is that it gets consumers in a much more positive mind set. Do this and then let the University of Michigan do their poll on consumer confidence and I bet it goes up. Most people in America that own a home fall into a few categories; they stopped paying their mortgage and are awaiting foreclosure, they are paying but paying late, they’re paying on time but wish they weren’t, because all of these people most likely have the same circumstance, which is their home is valued less than what they owe.
By re-forecasting the mortgages to 85% of the current tax assessment, the banks will get a new loan, one that actually has real value. The home owner gets a mortgage with hope, one that they can now afford and one that has room to appreciate in value. The re-forecasted loan will be 30 years fixed at 5%, and assumable. The bank now has an opportunity to package the performing assets with real value and sell them to the secondary investment community. The federal government can provide some assistance, as already outlined, by assisting investors with low interest loans and guarantees. This cleans up the banks so that they can start making new loans.
The banks will not be bogged down with home loans and chasing down their assets through foreclosure, what they will be able to do is focus on getting money to small business, thus starting from the bottom. Allowing the money to flow to these small businesses will increase the opportunity for job growth. As to the re-forecasted loans, banks will give forbearance as to the difference of the original loan amount and the new re-forecasted mortgage. The government will waive any mortgage forgiveness rules and the banks in exchange will get an agreement that allows for the opportunity to recoup their initial investment or pass that opportunity along to the inventors that end up buying these newly re-forecasted mortgages.
So, if you have a home that was worth $300,000 and your loan was $280,000, with a current tax assessment of $220,000 the new re-forecasted mortgage would be $187,000. If in the future you ever sell your home you would owe the current lien holder of your mortgage the original amount of your current loan. That means sometime in the future the bank would have the possibility of collecting $93,000….no interest, and basically this would go to the government since they are backing the loans.
You may add a formula that includes an appraisal to go along with the tax assessment so that you could re-forecast the loan based on appraised value or tax assessment, whichever is lower. That way you get an entire industry back off the ground; this would open the door to tens of thousands of appraisals immediately.
Mortgages and Home Equity Lines of Credit (Helocs), would be wiped out under my plan, but only up to 85% of the tax assessed value. So, if you are under 85% of the tax assessment you wouldn’t get any help other than the fact that the homes around you go from vacant to occupied, foreclosures are stopped in their tracks, and home values start to appreciate again. Furthermore, the economy gets better, which should be enough help for anyone. The institutions forgiving their 2nd mortgages and Heloc’s get a tax credit for the forgiven amount to use toward their tax liabilities. The mortgage forgiveness rules would be waived for these as well.
Next are the people that don’t own a home and feel they are getting the short end of the stick. No problem I got something for you too. The government will offer a 100% LTTA, not LTV, this is Loan to tax assessment not Loan to value. It can be 100% of tax assessment or appraisal whichever is lower. The rate is at 5% fixed for 30 years and assumable. You have to show that you can pay the mortgage. This is not a low or no document loan it is a full doc loan.
This gets the housing industry off and running, as well as the new home market and quickly eliminates bank owned properties from their inventories. Lots of benefits to the industry here, title companies, real estate agents, builders, laborers, banks, local and state income increases through taxes and closing cost. Wow, this would really stimulate the economy quickly and starts from the bottom up, it helps all of us. Even the Fortune 500 companies and the big “fat cats” sitting behind the helm of these companies will benefit.
As a spillover from all of this, local and state governments can start to get back on their feet by having a new tax base, new homes sales coming out of the banks foreclosure departments and increasing the taxes collected by these governments. Better yet, because the homes are all backed by loans based on 85% of the current tax assessment, there is plenty of room to start seeing appreciation, literally in the next tax year, thus helping out these local and state governments by allowing them to increase their tax base.
Let’s talk credit; all the way around, this is a thorn in my side and one I see lots of questions from people on this topic every day. We don’t need a band aid for our economic problems, we need a long term solution that will ultimately make us better off as the great country that we are. I don’t want to be like Japan and be talking about the lost decade. Basically the 90’s were lost in Japan because they waited too long. We are moving in the right direction but let’s finish this now.
The federal government will come out with a new credit scoring system. YIKES, I hear it already from the lobbyist, and from the worthless blood sucking credit reporting agencies out there. I say keep your mouth shut and leave the elected officials alone. The credit scoring system is a scam, it doesn’t work and it is time to fix it. The FICO score is one of the reasons we got to the point we are today. The government can create its own scoring system even if our tax supported government competes with the credit reporting agency - I say great! You want to play you have to pay. You want money or help from the government then you will have to use the new government credit scoring system.
Anyone that has had a foreclosure on their credit report during the last 24 months will have it removed, purged from their credit file. No longer does bad credit stay on your credit report for 7 years, we change the 7 years to 4 years. Of course, the entire credit reporting system needs to be overhauled. If the credit reporting companies can charge you to keep your credit clean let’s have a federal credit reporting agency and pay them. The money can go to help reduce the national deficit. The credit reporting agency can’t complain about it, competition is good for everyone. This restores even more confidence in the American public. Some people will take advantage of this and some people that should not be borrowing will but in the end it makes consumer confidence sky rocket.
That brings me to jobs; consumer confidence goes up, credit extension is restored, people’s homes are now sitting with appreciation. What do you think will happen? People will go out and spend money, when they do, business will need to carry more inventory, they will need to hire more people, manufacturing will have to go up to keep up with supply, and you get jobs, lots of jobs. Businesses are making money again, and when they make money they pay their employees more, everyone is happy, and our economy is thriving.
To make sure that we don’t end up where we were and are, we have to put checks and balances in the system; eliminate low doc loans, eliminate no doc loans, and eliminate creative adjustable rate mortgages. You buy what you can afford. You need to refinance…no problem you must have equity in your home. The forgiven debt on the re-forecasted mortgages, seconds and Helocs, can be negotiated on the refinance. But in the end the home must stay below the 85% loan to tax assessment, you can’t borrow more than 85% of tax assessment.
The rest is hard and easy, meaning you can’t have a budget and maintain spending if you don’t have money coming in. Let’s start with the states that are going out of business. Have the government step in and give the states zero percent loans, a giant debt consolidation loan, BUT the only way that the states can do this is to present a balanced budget within 90 days, much like congress required the car manufacturers to do. They gave the car manufacturers a bridge loan, told them to come back in 90 days (which they are about to do) and when they show them a balanced budget and a feasibility of success for their business model the government they will loan them more money. We should do the same thing for the states. Of course, once you do this you get jobs flowing again on the state level. The money that is ear marked for infrastructure will now get the states to focus on the job at hand instead of playing a shell game with cash flow.
And speaking of infrastructure, I don’t know all the numbers but I read somewhere that we are planning on spending about $38 billion on infrastructure in the U.S. in the coming years. Thirty Eight billion, are you kidding me? I am talking about pure infrastructure projects. We should double or triple that amount! It can’t hurt, it creates jobs, some states will get more some will get less but let Congress fight it out. The only caveat is the money, if for pure infrastructure, no pork. I saw China was spending $40 billion just on telecommunication infrastructure growth. One special area of infrastructure and they are spending more than we are. We are spending less than China on our entire infrastructure growth!
More on a balanced budget, as we start to cut those much needed projects and hard to make decisions on programs, we have to remember just like in business, if you wait too long to cut it’s too late. Cut now so that you can be around to build later. You will be able to add these programs back as you make more money but for now you have to get to a balanced budget. You will also have an easier time to plan for your budgets on a local and state level as everyone is living in a home that is 85% of the tax assessment. The appreciation will kick in quickly allowing for more revenue, all the real estate closings that will be taking place will help the tax income go up for the local and state governments.
Now for some not so exciting tax increases. Overall we cut taxes, maybe even consider a flat tax. They can argue this one in Congress too, but what we want to do is get everyone paying their fair share and increase taxes on things like cigarettes. Cigarettes kill you and kill everyone around you. So, if you want to smoke them, then you can pay more per cigarette. Use the extra tax money for the governments on a state level, as the tax collected would be higher in areas of where more smokers live thus creating more of a burden on a particular state’s health care systems. Some of the taxes can be used to help people break the habit, lowering the tax collected in the long run, but exponentially lowering health care cost.
Increase tax on alcohol; all the same reasons for smoking apply to alcohol. It kills people; people who drink it and people who don’t drink it. You want to roll the dice then you have to pay to play; I don’t mean a small tax I mean an increase of, 20-30 percent. Yeah, I hear it too. The lobbyists are screaming at the top of their lungs… too bad. Smoke a cigarette and drink a beer, great but we have to raise money. A “use” tax is better than a general tax, everyone pays their fair share of taxes, but use taxes are for the people that specifically use a certain product. I am not opposed to increasing sales taxes across the board. We need to promote savings not wasteful spending.
The wasteful spending and carefree borrowing mentality of the last 25 years is why we got here. We need to be a nation of savers. Yes, this contradicts some of what I said about increasing consumer confidence to get people spending money but that is natural, and people will spend when they feel better. What we need to do is to get people to think before they buy. Do you really need a new refrigerator, or are you better off saving for your children’s education. I can guarantee you that if you do the above, people will go out and spend money to stimulate the economy and they will be able to find a job.
The best of both worlds - a job and stimulus. Government, wake up! This is your wake-up call; we need stimulus from the bottom up not this high level garbage I am listening to on TV. I listen to it every day and I have no idea what they are saying. Just give me a job!
Happy Investing!
All my best
James Dicks

www.whoisjamesdicks.com

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What Forex Insiders Don'T Want You To Know

2009-05-15T23:04:00.000+07:00

I've always been a little uneasy of elite clubs and societies. Deep down inside perhaps it's because I'd actually love to belong to one, but that's my story not this one... So the brotherhood is setup to apparently take you (the trader) from any level you are at now, and up your game, raise your bar, shorten your learning curve and make you elite.Is there such a thing? Throughout ancient times up until today, there have indeed been profitable and pure educators and societies setup to maximize an constantly pass down money secrets, trade secrets, straight great money management, and ultimately profit. To make it simpler, any bank can be considered one of these societies, and we all know how hard it is to get a job at a bank, and to be frank the pay isn't even all that great for those guys.So yes, an educator = Someone that can inform you and train you to become fluent in whatever area your educator specializes in. The brotherhood has brought on a 22+ year forex veteran to host and carry the brand from day to day. Mr. Jason Alan Jankovsky is a self taught, self educated and self made forex pro that is NOT just an educator. In fact Mr JAJ does this as a secondary venture due to his unique content that is being devoured and praised for its value. Jason is a live Chicago based trader that takes his audience of elites through two daily webinars, and highlights overnight action along with an afternoon wrap up covering the five major trading pairs/currencies.I don't know about you but that's pretty darn valuable in my eyes. I can sit there and watch you trade everyday? And I can.... copy what you're doing into my portfolio and participate in the trades? Then talk to you one on one about it??! Save me a seat!Not only is there a daily one to one Q/A live, twice, however members also recieve two daily hot reports to document all the most important highlights. Again, this is like documenting and analyzing profitable patterns... made... simple! So I thought that would be it, and I'm already sold, however the membership for the elites actually stems much deeper. Here's why: For one, the pros have developed an interactive life forum for the VIP's to mingle with the hosts and a dedicated trading team. Two, they have developed an in-house automated expert advisor, intelligently named - Module1. It's brought to you by the same algorithm and programming developers responsible for hot titles like the Forex Tracer and Forex Funnel. What else was there... oh 30 days worth of the daily broadcasts and reports are archived incase you're on vacation or can't get there for a day or two, all available for actual download too not just viewing, so you can save the whole year onto your computer if you'd like to create that ultimate home library review (again quite valuable!).Lastly, the elite club is only allowing a limited number of invites in at their current price point. Once the seats are full, there may be a small batch of round two seats however they will sell at a premium both upfront and month to month. It makes me think of the old days, where you actually got something valuable for being a member of something, you got a name and others knew your name, you got treated with respect and one on one attention when you need it. If there is one thing that beats making big money, it's making huge money with a family oriented team and community involvement for a greater good and rewards of epic proportions.The Forex Brotherhood is getting five stars for their site (Beautiful job boys!), five stars for their list of deliverables, and five stars for their customer service. This isn't just a website, this is a TRUE interactive elite experience.

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Forex Trading Tips - 5 Ways to Avoid Burn Out While Making a Living in Forex Trading

2009-05-15T23:02:00.000+07:00

Making a living in the forex trading market can be very profitable but at times stressful. The trick is to keep the perfect balance that will allow you stay sharp, make money and not go insane. There are a lot of pratfalls that you may fall victim to so here are a few forex trading tips to keep you on your game.1. Check the economic calendar each and every dayOne of the most frustrating things that can happen to you as a trader is to spend half your day spotting a trend only to see it go south all of a sudden. Maybe Ben Bernake made a negative comment or there were economic data releases that you didn't see. Simply checking a site like Forex Factory at the beginning of your day will ensure that you don't miss things like this.2. Join some forumsForums are a great way of keeping your sanity. If you are doing full time trading forex or working from home, you're going to find yourself in a lot of lonely situations and rarely around people that can comprehend what you are talking about. By joining an economic forum, you can make use of your slow periods and bouncing forex trading tips off of other traders. You can also exchange views on different forex strategies and checking out some new forex reviews.3. Get outside and enjoy lifeWhen you are talking to a lot of traders, a common theme is that they spend every waking hour researching their market. You're going to want to try and get away from this and enjoy some of the money you are making. This is not to say you're not going to have to do your homework, but surround yourself with real people and get out of the house to have some normal interactions on a daily basis.4. Make exercise a part of your daily routineExercise has an amazing effect on everyone. You find yourself sharper mentally, obviously in better physical shape and with a lot more energy. When you're sitting in front of a computer staring at a monitor all day, you have to make sure that you are doing something to keep your body in shape and your mind sharp. Here is a good forex tip - get up early and go for a jog or take a nice bike ride after the market closes everyday and you will find yourself better equipped for battle.5. Don't be afraid to treat yourselfWhile the forex market runs a fast and furious pace, is never going to hurt you to make it a point to get up and get away from it for a few minutes every hour or so. Maybe making your goal that every time you have a successful trade you treat yourself to a 15 minute break. Even if you are doing forex scalping, you're going to have to step away for a few minutes just to recharge your batteries and regain your focus.

Learn Forex Trading and Start Making Money Online Now

2009-05-15T23:01:00.000+07:00

The problem with most people when they get into forex trading is that they don't take the time to educate themselves and then end up losing money. If you want to be in the upper echelon of traders that go home every night knowing that they are producing money, you are going to want to follow these basic forex tips and learn forex trading the way it was meant to be done.Lead, don't followThis is a point that cannot be stressed enough when you are first getting into forex. Do a quick internet search and you will literally find millions of sites that tell you they have the next million dollar forex systems for you to follow. All it will cost you is a few hundred of your hard earned dollars to use it. Stay away as most of these are scam artists that have no clue what they are doing in the forex market. You are better off educating yourself and developing your own forex strategy.AnalysisThis is the best place to start when you are trying to evaluate your trades. Learn how to break down information and chart currency an you will see the patterns that develop. This is going to allow you to spot trends that will result in profits. Follow your forex charts and they will lead you right to the perfect trade.Simple is betterAs with anything, complication only complicates. Sounds like a simple philosophy to follow, but you would be amazed at the amount of people that clutter up their forex systems with a lot of unnecessary data. If you make it simple, you can get through it quicker and jump in on the trades at the earliest opportunity. Make it too difficult and by the time you spot the trade, it has already hit its resistance level and is heading back down.No room for emotionYou can do everything else right and if you allow your emotions to take over, you are going to the poor house. This may be the one area that kills most forex traders and sends them to the welfare lines. They get greedy, start being too fearful or just plain lack discipline. Any one of these will take you down and you have to protect yourself against this. Don't ever think that you have a crystal ball or make a trade for the sake of making a trade. Stick with your system and you will be fine.As you can see, forex trading does not have to be difficult as long as you follow the key components that we have listed here for success. Don't be one of the people who follow a knee jerk reaction to jump in. Do it the right way and you're on your way to making money online.

Forex Profit Accelerator Review : What is in it for me?

2009-05-15T22:59:00.000+07:00

Foreign exchange market has becoming so popular as a source of income or another home based business. Banks and institutions as well as individuals like you and me can tap into this great mine of profits. People succeed and people fail. The difference in it is the quality of information, forex tips, learning and training they get. And one of the unique forex courses not always available out there is the Forex Profit Accelerator.Let me come back again to the question : "What is it for me" ? The purpose of this article is to show the real purpose of the Forex Profit Accelerator, how and why is it made. The real benefits of it, the other things that you read about it are more of the features in it. But what is it really designed for?Once there was the Forex market and the internet, and learning to trade forex was a thing thought to be for the people with degrees and diplomas. But evolution caused the discovery that Forex does not require any specified degree of learning to be successful in it, but a desire to change and consistency in learning. So the internet became a medium of bombarded sources of courses and education to trade Forex.But not all traders were happy about this. With so much the hype of the sources that sprawled like mushrooms. Something out there is to be made specifically with the Forex trader's success in mind. Simplicity in understanding and application was the heart's desire of a trader who wants to spend a little less time trading ( and I mean minutes) and more time hanging out,playing golf, doing hobbies and family outings.The Forex Profit Accelerator has this objective embeded in its soul. It was created first by long hours and months of research and survery taking among traders themselves, headed by its creator and mentor,Bill Poulos. The main benefit you will be experiencing will be : Consistent Profits ( a.k.a more money, coming in often ) and less time trading ( 20-30 minutes to be precise) that is after learning and understanding the whole course.What is it for you? maybe a lot of time to travel, a fancier car, a great vacation, a better house, neighborhood,a greater school for the kinds. Everything! Your mind can think about more. Anyway...To show that it is unique, you will recieve many free stuff first such as trading ebooks, videos and scorecards( to evaluate your broker) even if you don't get in. It is called the Forex 4 Pack. But what makes it more unique is, that it shows you that Forex is nothing to be feared, as a result, everything is organized, easy to understand and apply, minimizing loss with forex risk management and maximizing gain with the best forex indicator possible. It also shows that you do not need to stare at charts all day ( a.k.a. daytrading, long forex hours) to be successful. You know what this means right? More time playing golf, watching t.v. and anything you want.Its features such as : constant support, complete materials and blueprints, are just icing in the cake. anyway, let me elaborate a little...1. First, all the materials you need. Blueprints, books, videos, cd's. easily organized and easy to understand. Who says simple isn't effective?2. Background and overview. For beginners, it explains what is Forex and what can you do to be profitable in it, and also what you can expect. For the experienced, it is a good thing to review a thing or two. Most of the information cannot be found in any source because Bill Poulos source is his experience and his Forex peers. You do the math.3. Methods that will make you get that car or house you want. Simple. Less time consuming. a step-by-step 'how to', guidelines that will make you minimize risk and gaining more.4. Bringing yourself together. It is essential for a trader to keep the mental discipline and emotions in check. All of this would not work for you if you are not in harmony with it, so this is an essential part of the course also.5. Website and support. People helping people, you can ask all the questions you want and the support you need. That is why there are limited slots available, to help fully focus on the learning. So it is not just like any source you will meet.The Forex Profit Accelerator is one of the most comprehensive yet simple and complete trading method you will see in the swarm of Forex Education resources. It is simple to understand and gives you confidence to trade knowing there is nothing but profits in the end. It helps protect your trades, minimize risk with the guidelines and discipline it seeds in you.Again, back to the question, what is it for you? The Forex Profit Accelerator has you, the Forex trader in mind. Before trading with live currency, this can prepare you mentally and academically in FOrex. The convenience of trading and the time to spend on anything else in trading is what makes it tailor made for you.

Dreaming of a Dream House

2009-05-15T22:54:00.000+07:00

Home sweet home. We do love our houses whether it is located in a quiet suburb, center of the city or on top of a hill. It is a comfort zone for most people, a place where you can hide from all the tussles of life. It is not just a mere piece of structure built to protect its owners from the natural elements of the planet. It's a place where we feel loved, cared, respected and most importantly, one can be freely himself.Since most of us live in a regular type of abode, I cannot help fantasizing about living in a luxurious mansion, with 10 bedrooms to accommodate all the family members, an infinity pool, a modern home theater system and a gym, a huge one. Well, since I am still dreaming about it, let me share the following most expensive houses bought by those who can afford it.Kensington Palace Gardens MansionOwned by industrialist Lakshmi Mittal, the richest Asian in London. It was purchased in 2008 for a total of £117 million. The four-storey house has at least five bedroom suites plus extensive servants' quarters and is described as an institutional neo-Georgian building typical of a type built from the 1920s onwards. It is located next to the Israeli embassy, an extension of Kensington Palace Gardens one of the most prestigious addresses in London.Villa La LeopoldaOwned by Russian billionaire Roman Abramovich. The villa is 10 acres wide, overlooking the French Riviera. Price of this vast villa? $500 million. Its former owners were Bill Gates, Edmund Safra and Gianna Agnelli. The property is located in the village of Villefranche, near Monte Carlo.Updown CourtLiving in this palatial ground makes you and Elton John as neighbors. It has over a hundred rooms, five swimming pools and 24-carat-gold leafing flooring. It is located just 25 miles outside London and this majestic abode sits in 58 acres of land. The Updown Court is said to be the most important private residence built in England since the 19th century. This property belongs to the crowned prince of Dubai, Sheikh Mohammed bin Rashid Al Maktoum.Victorian VillaThe five story villa was bought by philanthropist Elena Franchuk, wife of oligarch Viktor Pinchuk. Price tag of the property is £80 million. Located in Kensington, South-west London, the villa was a former prep school for girls. Its features include a secured panic room, 10 bedrooms, a sauna, gym, and an underground swimming pool.Now that recession hit, I wonder if the prices of these homes decreased. Though most of us cannot afford gigantic villas and mansions for the mean time, real estate agents are actually urging people to get a new abode since prices of houses that is currently on sale has gone down dramatically. Try to contact a reputable licensed real estate broker and see what options do they have to offer.There is nothing wrong about wanting to have a fantastic home with all the amenities life can offer. It would also be better if we take the necessary steps to make this dream come true. As to how can that be done, it's up to the dreamer. Perhaps dabbing your luck in forex trading is a very good ide

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What is a Commercial Mortgage?

2009-04-09T00:03:00.000+07:00

The loan that is taken out to buy a business asset is generally termed as commercial mortgage. Commercial mortgages are used to buy offices, shops, restaurants or other type of (generally) building. But they can also be used to buy other business assets such as plant or machinery.As well as being a useful way of financing the purchase of business premises for a new business, commercial mortgages can also be an excellent way of funding the expansion of an existing business. A commercial mortgage can also be used to fund investment in land or property which will be used for commercial purposes.Cost wise, a commercial mortgage is generally cheaper than a outright unsecured loan. This is because the mortgage is offered against some business assets, and only if the business logic and makes sense, and business plan supports it. This also means that the payment terms are also longer, generally 10 or more years. So the repayment amount is not that high, making a better option for a business' cash flow.Can you remortgage an existing commercial mortgage?Of course. If you already have a commercial mortgage on your company's business premises, you might find you could benefit from remortgaging. A commercial remortgage allows you to unlock some of the equity that is currently tied up in your commercial property. It could also be a chance to switch to a more competitive, cheaper mortgage, especially if your or your company's credit rating and business history have improved since you took out your original commercial mortgage. The money you free up through a commercial remortgage can be used for all sorts of things for your business. For example, you could purchase additional stock, or invest in new machinery or other fixed assets such as vehicles. Another use for the extra money can be to pay off outstanding bills, or clear other borrowings such as the company's overdraft. Here are some typical uses for a commercial mortgage or remortgage: - Borrowing money to buy a shop - Raising finance to purchase an office building - Buying a pub - Financing the purchase of a restaurant - Buying a hotel - Buying a house to convert to a Bed & Breakfast (B&B) - Raising finance to buy an existing business - Clearing a business overdraft - Improving business cashflow - Buying new plant or machinery - Financing the purchase of company vans and other vehicles - Borrowing money to buy extra stock for your business - Funding the expansion or refurbishment of your offices - Borrowing money to pay for training - Buying land for business purposes It is always best to shop around and secure the best deal for your business. With fierce competition among banks, it is always possible to secure the mortgage on favourable terms to YOUR business, and not to the bank.
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Thinking About Buying A Vehicle? Here Are Some Things You Should Consider Before You Do!

2009-04-09T00:01:00.000+07:00

You're thinking about purchasing a vehicle but are not quite sure about what type of vehicle you should choose. Well, it's not easy making decisions about a major purchase. Especially if it's a vehicle you're about to buy. Before you decide, take a look at these tips and information which may help you in determining what vehicle may be right for you:1) First and foremost, how much money do you have to spend for a vehicle which will fit comfortably within your budget? That's right! Can you afford to add a monthly payment to your budget for a vehicle? If so, how much can you afford to spend without creating problems with your finances. Think about it, and make the decision which will be right for you. 2) After you make the decision to purchase a vehicle, determine what you will be using the vehicle for. This will assist you with deciding on the type of vehicle you may want to purchase. For instance, do you have a long commute to your job? You may want to purchase a vehicle that gets good gas mileage.3) Do your research on the vehicle you want to purchase by using the internet as a resource. This is by far your greatest source for getting the best price on the vehicle you want to purchase. For example, a source you may want to consider viewing, would be www.edmunds.com. At that particular website you can get information on the dealer's invoice pricing. This will assist you in negotiating the price of your vehicle with the dealership you're considering purchasing your vehicle from. In addition, you may want to also consider checking out www.cars.com and www.pricequotes.com to assist you in securing pricing information for your next vehicle.4) Get your financing before you make your vehicle purchase! That's right, get pre-approved. By doing this, you'll be in the driver's seat when you're negotiating your vehicle purchase with the seller for the vehicle you're trying to purchase. You'll want to research the best interest rate you can get. A great way to do this is also via the internet. Some of the websites you may want to consider checking for vehicle finance rates are: www.bankrate.com and www.eloan.com. 5) Make sure that you check your credit report and FICO score prior to applying for your vehicle finance loan. You want to ensure that you know your credit history and score so you'll be in a better position to negotiate your interest rate with your prospective lender.6) To buy or lease what should I do? Good question. That will depend on what you will be using your vehicle for. You'll need to determine the pros and cons of leasing or buying. You'll want to think about the number of miles you'll be driving per year, money you have for a down payment, how long you want to keep the vehicle and anything else you can think of. To help you decide whether or not you should lease or buy, you may want to do some research by using the internet and visiting such websites like www.smartmoney.com. . Websites like this, can provide you with detailed information on whether or not you should lease or buy your next vehicle.So, you can see how important it is to do some research before your purchase your next vehicle! You'll be in a better position with the information you have obtained when you're ready to make your purchase. You'll be glad you got the information before you attempted to purchase your vehicle. You've probably not only saved yourself lots of time, but, more importantly you've saved yourself money and have become more educated as a consumer about purchasing a vehicle in the long run!
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Things You Should Know Before You Choose a Home Equity Loan

2009-04-09T00:00:00.000+07:00

Don't even think about applying for a home equity loan until you know enough about them to make an educated decision.Interest Rates - Before you apply for a home equity loan, you must understand the real meaning of the interest rate you are quoted. The Annual Percentage Rate (APR in banking lingo) is the key. Typically, the lender will give you an attractive introductory rate (a discounted rate) on a home equity loan to lure you in for the loan, but that rate only applies for six months or so, and then most home equity loan rates default to a variable rate that is dependent on the prime rate dictated by the Federal Reserve Bank. Find out what the 'ceiling' is on the interest rate for that loan (in other words what is the maximum the loan interest rate can increase on this loan over its life time?), and be sure you can handle payments at that rate before you sign on the dotted line.Don't make the mistake of comparing the interest rate for a home equity 'line of credit' to the interest rate for a home equity 'loan'. These are structured differently. You CAN, however, compare the interest rate of one home equity loan against another home equity loan, and draw some conclusions from that comparison. Just be sure you comparing 'apples to apples'. If the term of one loan is different than the term of another loan you can't compare the two equally. Total Cost of the Loan - You can't look at the interest rate or APR alone because that doesn't offer a complete picture. When you close on a home equity loan you have to consider closing fees and points on the total loan amount. To close on this loan, you will have to pay a property appraisal fee so that the bank can estimate the value of your house or condo and determine how much money they will lend you. You will also have to pay an application fee to some banks, and points on the loan (one or more points as a percentage of the credit limit), and possibly title search fees, and attorneys fees depending on the size of the loan and the state in which you apply for the loan. In addition, some banks charge a transaction fee every time you draw down on your line of credit (this applies only if you have a home equity line of credit instead of a home equity loan). Structure of the Loan - Find out if your loan includes balloon payments. It is all well and good to know that you can make the maximum monthly payments, but if the loan has a balloon payment at the end, where you have to pay a large lump sum at the end of the term to pay off the unpaid balance, you may not be prepared to make that payment all at once, and that can be a problem.Balloon payments often result from a home equity loan structure where you only pay the interest on the loan amount throughout the life of the loan. This is great for the life of the loan. But, at the end of the term when you have to pay the full principal (which can amount to $20,000, $50,000 or more), it may not be so great!Typically, the lender can offer you a better interest rate on this loan over the loan life and that looks attractive, but the unfortunate surprise comes at the end of the loan when you have to pay off the entire principal in one balloon payment.In addition to balloon payments, you need to look at the loan-to-value ratio of this loan. Before you panic, we aren't going to give you a lesson in high finance. Loan-to-value (LTVR) simply means the percentage of the total value of your home that your bank will lend you. Most banks used to limit an LTVR of 80%, so if your home value was $100,000, they would only loan you $80,000. But today, some home equity loans allow you to borrow 100% OR MORE of your home value. Again, this may sound like a good deal, but it is not. These loans are more expensive (higher interest rates) and you lose a significant tax write-off because you can only write off loan payments on the VALUE of your home - not payments that exceed the value of your home. Additionally, if you sell your home for its appraised value, you will owe more money on the loan than the proceeds of your home sale will give you. Where are you going to come up with that extra money to pay off the loan?If you take a home equity loan that exceeds the value of your home, you will also have to take out insurance on that loan and that will cost even more money. Stick to loans that do not exceed the recommended limits (70% to 80% of the value of your home, including any outstanding mortgage you may have to pay off when you sell your home) and you will be better off. If you are careful to research and compare banks and loan structures to ensure that you understand ALL charges, and that you avoid balloon payments and overblown loan-to-value ratios, you will protect yourself from unpleasant surprises.
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Getting A Run For Your Money: How Do You Consolidate Credit Card Debt

2009-04-08T23:59:00.000+07:00

Spending is such a hard habit to break, especially when people use their credit cards. Once they get addicted, they continuously endure the agony of spending in spite of imminent problems that tag behind. And when things eventually get out of hand, most people will soon realize that they are already stuck with a mountain load of credit card debts. And mornings after mornings, they will wake up each day with worries in their head about how they can repay all of those instant splurges.There's one way to get out of credit card debts-consolidation. Here's a list of ways how to do it:1. Make a balance transfer.One way of consolidating a credit card debt is through a balance transfer. In this way, the person who has a huge outstanding balance on his or her credit cards will get another credit card with a lower interest rate. Once approved, they should immediately get a cash advance and use it to pay off their standing balance on the other credit card. In that way, they consolidate all of their payables into one credit card. Plus, they get to have only one rate to worry.2. Home equity loans can do the job.This is a very workable strategy provided that it will be used properly.Getting a home equity loan is probably one of the easiest things to do. Best of all, home equity loans can offer tax deductions for the interest rate of the loan.However, there is a drawback. The debtor's house will serve as the collateral. But nevertheless, it still one good way of consolidating credit card debts. The debtor should only keep in mind that the money from the loan should only be used in paying credit card debts. If used on other things, it will only worsen the problem.3. Make use of retirement funds.There are instances wherein debtors can make use of their retirement funds in order to consolidate credit card debts. But this should only be made if there are no other options available. This is because this type of consolidating credit card debts can be very tricky.Loans on retirement funds are not actually tax deductibles. However, the problem sets in when the fails to pay back the loan within five years or when he or she will resign from work.Indeed, there are no nippy fixes when consolidating credit card debts. The bottom line is that, it is better if the person will stay out of debt so as not to worry on consolidation matters.
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A Glance At Wrapped Financing

2009-04-08T23:39:00.000+07:00

So you have heard that seller financing is a great way to market your investment properties. It broadens your consumer base and puts a little extra cash into your pocket in the form of interest charges. But, there is only one problem. You already have an existing mortgage, and you cannot pay it off unless you receive the sale amount in one large chunk. Before you totally exclude seller financing from your real estate investing strategy, you should know that there is a financing solution that will allow you to finance the property without paying off the existing mortgage in one go. It is called contract financing or wrapped financing, and it is an attractive financing solution that property investors can use to market their real estate investing properties. Wrapping also increases residual income by adding interest fees to your profit margin.Simply put, wrapped financing occurs when an investor keeps the current mortgage that he has taken out but offers to finance the property for the buyer himself. An example of this would be an instance where an investor is holding a $50,000 mortgage at 7 percent interest and wishes to sell the property for $200,000. The seller would loan the buyer the full $200,000, minus any down payment, at a higher interest rate of 8 percent. The monthly payment for the $200,000 would then be split with part of the payment being directed toward the original loan and the rest going to the seller. The seller would also profit from the 1 percent interest hike on the mortgaged amount.As you can imagine, there are many factors that you need to consider before adding wrapped financing to your real estate investing strategy. Mortgages with sliding interest rates might not be ideal for this type of financing. You will also need to make sure that the existing mortgage will allow wrapped financing. Many mortgages demand payment in full upon sale of the property and would not be suited for this type of seller financing. It is also a great idea to use a third party collection agency to collect the loan payments and disperse payment to you and to the original mortgage holder. This not only protects the buyer's interests but yours as well. Loan wrapping is a great way to introduce seller financing to your real estate investing marketing plan, but it is not for everyone nor is it for every sale. Be sure to research each deal thoroughly and follow all legal requirements. Failure to do so might result in the existing loan becoming abruptly due. If this happens, it could affect your bottom line or negatively impact the real estate transfer.
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