6 Ways and Places to Invest

December 29, 2009 by  
Filed under Financial Tips, Investment

Whether you are very wealthy or not, the investment money is often a puzzle, but always based on trust that you owe your partner. The first thought goes to the bank where you have an account or savings. Other investment solutions of money are possible, such as insurers or mutual associations, financial advisers or savings associations. But know that the Internet also allows you to make investments of money, and some brands of supermarket food. See it in detail:

The bank is the first reflex to put your money. Already have an account and the banker is always available. But the offers of investment money from banks are often limited to their own products. And except for some regulated investments as the Livret A, the postal service of the Caisse d’Epargne, the products offered are not always the best.

Insurers, with their life insurance or pension funds are almost the same role in investment opportunities. Savings products are very competitive but still limited to the guidelines of each company. The main advantage in this type of investment is the guaranteed funds in savings.

The financial advisors engage in the battle of savings. If their goal is to safeguard your property interests, they are able to offer you investing money in the interesting position where your investments are important. These are sellers whose products are involved, since large for you to find the best investment.

Savings associations are an excellent alternative. Initially specialized in life insurance, investment products their money multiply. The association member you are dealing again for your interest and more members are, the more the association has the power to act in the right direction, namely to obtain the best products in the investment market.

And then there was the Internet! While some are wary of entrusting their money to an organization via a computer, you must know that now all the financial products are available on the Internet. In addition, by eliminating intermediaries, subscriptions to financial products such as life insurance or investment of money are less expensive. The major banks or life insurance companies offer their products on their websites.

Finally signs of food supermarkets also offer financial products varied, simple and inexpensive. But you Document carefully before signing as the personal financial services of these signs, even trained, do not replace a good advisor savings products.

Mortgages in The Wave of Financial Crisis

December 29, 2009 by  
Filed under Mortgages

The owners, a time happy to think that their properties are valued from season to season have now fallen from above.

Those who have not dropped their prices to sell more than 5% have still not sold in the last 2 years! Only those who agreed to return to realistic prices have managed to conclude.

Buyers who had been persuaded by professionals, realtors and notaries, agreeing to pay exorbitant prices, justified by “The quality of the product! , Or the prospect of capital gain on resale have become more cautious now. The expectation is the rule. They may, however, at current prices good seize opportunities, not for speculative purposes, but acquire a quality family use.

Read reviews in the press these last few weeks we can expect a slight release of the market but nothing is won. We always ask a number of issues.
Prices have dropped sufficiently to consider that the market is cleaned up?

How to restart the market?

We must consolidate the new equilibrium point between supply and demand.

Our advice to sellers.
• Forget the overly high prices that are charged, particularly in 2005 and 2006, following a collective aberration. These excessive prices are the main cause of the slowdown and the downturn of the market we know today
• Do not lower your price by 3% every 3 months. The psychological effect is disastrous.
• Set a realistic price again and you will stand firm.
• Discard any notion of surplus value, it is no longer seasonal
• Be patient, the lure of the sea will survive the crisis, buyers will return.

Meanwhile we are at your disposal to present your property to its fair price at a selection of the 2,000 potential buyers that we have on file. They do not decide now, they wait for prices to fall! But they continue to visit our website http://www.bordemer.com. They will buy tomorrow.

Our advice to buyers:
• The market you are very favorable. Will you benefit? • Have you analyzed your motivation to purchase a residence for your retirement? Holiday house for your children receive? House with workshop to perform a particular activity? Have you deducted clearly your selection criteria?
• Do not look too great. Your child, even if you are attached, may not come rarely to see you all together and it will maintaining the house and garden all year long!
• Adjust your claim to your finances under penalty of being refused the loan you need for your purchase.
• Beware of houses “Blow of Heart ‘
• When you find not necessarily the house of your dreams but the house you want, if you asked the price seems reasonable to avoid you engage in exaggerated claims discount.
• If the asking price for the home you want to buy you seem prohibitive, do not hesitate to make an offer to purchase price of your estimate. This will be our job to get it accepted by the seller.
• Do not wait. If you’ve found the home that suits you, you must decide. In 5 years you will remember more if you paid 10% more or less, by cons you may regret to have long missed a home that suits you.

Strategy Paris Province. The method “as if” we continue our estate agent’s work “as if” sellers and buyers, leading market participants, would regain the right, “as if” the market was going to restart on an improved basis. Tomorrow as yesterday, our role will be to reach a deal to bring the parties on what we believe to be the right price.

Basic Money Management in Forex Trading

December 21, 2009 by  
Filed under Forex Trading

Exchanging currency on the forex market as a forex trader is an activity that is practiced around the world by thousands of people. Financial managers, individual investors trading through brokerage firms online.

Since Forex trading can be a risky business, some common basic principles are developed by currency traders to enable them to better manage their money.

A smart way to manage money is to use stop orders. This device mitigation of risk is a sell order at a price below the original selling price. And if the currency drops to that value will be sold automatically by the broker. It should be set at levels low enough that it does not trigger falsely by normal daily fluctuations of the currency. It’sa good way to put a limitation on the possible loss of the existing position.

Often an investor attaches to an investment loss of speed, either because he is emotionally attached to this investment, either because he thinks it will rebound soon. In the world of forex trading works at a fast pace, it is not always the best course of action to follow. Usually it’s better to leave a position in fall and try a different tactic.

Regarding the trading of forex, another technique of good money management is to use hedging. Traders can hedge their currency positions in several ways, but most popular is the use of futures and options. With these investments of financial instrument futures, you pay some money to buy an allowance money to a future date at a fixed price. Traders buy these financial instruments to hedge a long position, with the value at which the long position was taken and the currency that was used to purchase the original position. In reversing the order of values, a fall in the long position one currency will gain money on the financial instrument futures trader and by offsetting the initial loss.

The mantra that good traders on the trading of forex follow is to cut losses short and let it run gains. As everyone wants to see their investments grow, a downward trend in the amount of earnings incurred when a transaction is a bad thing. Therefore, this trend should be stopped as soon as possible by closing the losing position.

Know The Rules in Forex Trading

December 19, 2009 by  
Filed under Forex Trading

Behavior fulfills excessive emotions when trading on the forex market can be fatal.

If fat loss, emotional behavior can sometimes push the inexperienced trader to come back too quickly on the market at an inopportune moment to try to recover money that has been recently lost. The trader thinks he can catch up by multiplying the number of operations.

The best way to address these problems is to establish a list of rules to follow in the trade of forex and never deviate from these principles.

Here are some rules that every trader could follow to increase its chances of success:

1. Leave your emotions aside.
The currency trading is like any other busines, and should be treated as such. As it is difficult to separate from the emotion caused by a loss, consider that once the loss written in the books, there’s nobody who can change that. So the best course of action is to try to learn from all the mistakes that have been committed, and process the next transaction in the same manner as if the money had been earned on the previous transaction.

2. Never make over trade. This is due to rule number 1 where often, the emotions have been running a forex trader to trade too. By trying to compensate for its loss, the forex trader beginner tends to make hasty decisions that may be detrimental to his position of account. Thinking that more transactions generate more money, too many transactions based only on intuitive decisions can quickly deteriorate the status of your account.

3. Follow the trend.
One thing that thousands of traders who practice fundamental analysis or technical analysis (or both) agree is that the Forex market follows trends. The identification of these trends may mean the difference between success and failure. Following the general trend of the currency, you can seize the opportunity to take advantage of the trend until it is reversed.

4. Stay out of the market if there is any doubt.
If a trader can not identify the trend that follows a currency, it is better to avoid a time until a better image can be formed on what is happening on the price trend.

By following these basic rules, the tarders Forex stay away from problems caused by hasty decisions based on emotion or lack of analysis.

Trading Tips to Beat The Stock Market

December 7, 2009 by  
Filed under Financial Tips, Investment, Stock Trading

Before placing money to capital stock market, investors should study the market. The first question is whether this is the right time
to make a new investment in shares. If it turns out that it’s the time, what will be the most appropriate stock to buy.

To answer these questions, the investor has a variety of methods of market analysis, but none of them really dominates the other. Each has its advantages and disadvantages.

Nowadays, the most widely used methods for Success Award are:

• Fundamental analysis or financial;
• The technical analysis or chart.

Graphical analysis is a simplification of financial analysis: it allows any one person to analyze a stock or an industry shares on the stock market without doing all the work of opening the financial analyst’s daily newspaper specialized. Graphical analysis refers to market movements. It determines the evolution of an action. If the market perceives as bullish fundamentals, the action will be rewarded with a higher price. A negative assessment by the market fundamental value of an action will bring down its price. Simple as that. To save the stock market, everything is in graph.

The most important objective for an investor is being able to identify the trend of a market and identify when the trend changes, in order to participate in significant upward trends and avoid the significant downward trends. It can also benefit from downward trends in the short term – because it is possible to make money on the stock market to decline as the rise – but the main objective of an investor is to own a share when the market is in a significant upward trend.

To achieve its objective, it has provided various tools available to all whose effectiveness has already been demonstrated in the past.

Hedging in Forex Trading ?

December 6, 2009 by  
Filed under Forex Trading

Just like in the stock market, forex investors often use a strategy called hedging to reduce some of the risk involved in trading. Many people believe in hedging transactions like buying an insurance policy for their currency position. It acts more or less the same way. Using investment vehicles known to financial futures, Forex traders can rest easy knowing that all losses are covered by the backup plan.

A type of financial instrument futures that many forex traders use to hedge a position is a futures contract, which is an agreement for the exchange of one currency to another at a specified futures price at the last the closing date. The contract currency futures are bought and sold on the forex market just like any other instrument such as shares or currencies.

For example, say you used to use the dollars to take a long position in euros on the forex market, but you are worried that the price of euro fell against the dollar. One thing you could do is buy a futures contract dollars using euros. As external factors affecting the prices of currencies, the price of futures contracts up and down as well, allowing your contract to Euro-dollars to offset your long position in euros. If the euro weakens, the price of futures contract rises, and vice versa. Thus, you have therefore eliminated the risk of your investment money.

Another form of hedging in the forex market is practiced regularly by companies who trade internationally with many clients in Europe. A weaker euro would cost money in the long run because the original price quoted in euros does not result in as many dollars. Taking a long position in dollars using the euro, the company would just as much money on the Forex it lost to fall on the value of the euro. Similarly, if it loses money on the forex market due to a fall in the dollar, the company would compensate the increase in profits due to the greater value of the euro on the sale of its products.

The Effect of Inflation to Us

December 3, 2009 by  
Filed under Financial Tips

Inflation is an increase in commodity prices and a decline in the purchasing power of each dollar. Nowadays, it is made acceptable to have a steady inflation of about 1% to 4% annually. However, excessive inflation or an unexpected increase in inflation may be harmful. Inflation can affect a variety of businesses and industries, particularly lenders. Moreover, people living on fixed incomes, like pensioners or disabled people can see their purchasing power decline. Government grants are adjusted periodically for inflation, however, happens only once every few years. During the period between inflation and adjustment, inflation may cause sudden drop in purchasing power for people on fixed incomes, reducing their living standards by reducing their consumption of goods and services. Fixed income from private sources, such as pension plans, may or may not be adjusted for inflation, by forcing addicts to be subjected to risks of inflation.

Moreover, the greatest rate of inflation have caused uncertainty about the direction that will take the economy for the future. This can lead to a certain fear of spending for individual and business, until they feel comfortable in economic conditions. The decrease in spending even more thus affect the economy by reducing sales by suppliers of goods and services. Meanwhile, the prices increase and workers will expect higher wages to compensate. This demand for higher wages, combined with lower demand for goods and services, can lead to a rise in unemployment, forcing companies to thank their employees.

In general, inflation affects the majority of society. However, we can say that everything is fine provided that economic activity continued at a respectable pace, and inflation did not benefit too much to those who have relatively high levels of real assets (ie property, material, etc.. ). This is because inflation reassess the value of assets higher, while the relative value of debt increases.

5 Essential Tips to Secure Your Online Credit Card Transaction (Part 2)

December 1, 2009 by  
Filed under Credit Card

Now, lets continue our last discussion about important tips for you when making online payment using your credit card.

2 – Integrity of the components of the transaction

It is vital that the transaction between two partners is not disputed in amount, date or place of execution. The integrity checks, which are also mechanisms for encryption, can ensure that a transaction could not be altered in the transport network, either by loss of binary information which would alter the original character, or maliciously.

3 – Privacy

Encryption techniques are designed to keep secret the contents of a transaction. The most commonly used protocols on the network (SSL, HTTPS, MIME) that allow privacy.

If it is timely for the content of an exchange or transaction, it has limited value for an act of payment. Indeed, if players want to unwind the transaction, it will always reveal the consumer to the merchant the purchase amount, the nature of the medium of payment, where payment can be collected, etc..

This is one of the great mistakes of electronic commerce that reminds consumers that their transactions are “safe” because they can not be “read” on the network.

However, most of the protection is not in the confidentiality of records of payment but in the retention of personal data (given that piracy is more information on current information stored on the information in transit from one consumer and a merchant).

It can undermine the very principle of authentication for reasons of anonymity purchases and payments.

This point is also very quickly became a paradox of trade on the Internet where data protection is an important subject of international debate. It was well illustrated by American cartoonist showing a dog behind a screen with the subtitle “On the net, nobody knows you’re a dog!” (Over the net, nobody knows you’re a dog “), illustrating the strength of anonymity of the new media.

It has been known that this is not with cookies and the prospects of one to one marketing. For payment, anonymity is inconceivable.

4 – Non-repudiation

As for payment, the term “repudiation” is abusive. It is better to speak of a dispute.

We must distinguish the challenge of payment to its finality. A payment can always be challenged and doubt is raised by providing evidence, but the law requires it is always binding if made by check or credit card.

Clearly, a consumer can always, good or bad faith dispute a payment or order. But if not satisfied with the order which is delivered (delayed, undelivered, Ill), it can provided “withdraw” his request for payment and his bank not to pay. It must be reported to the merchant, then it is a commercial dispute which treatment is part of no return.

The challenge of a payment should be made impossible for the officer by the implementation of appropriate encryption techniques.

5 – Terms of archiving

Archiving is essential: it serves to search and allows for example to provide evidence of payments in case of dispute. But it poses a real security problem. The biggest risk for a trader is not to protect data relating to a payment or not to insure their protection if they are treated by one third. It must therefore be attentive to the protection of sites and, in the case of outsourcing to a third party (bank service company), the contractual clauses on this point.

A collection of card numbers can be particularly attractive to a hacker. There are identifiers of cards in circulation and not opposing it can use, or disseminate (as was the case in 1999 with a major record retailer U.S. online, CD Universe).

The data stored by providers must be preserved and replicated, if possible in two separate locations. Data retention also meets the legal requirements of time consistent with the use of different means of payment.