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Monday, June 22, 2009

Playing the Stock Market: How To Start Investing

By Larry Matteson

Even in the rough economy, there are many who want to learn how to invest in the stock market. Though it may seem scary, starting now is not a bad idea since there are many good deals to be had.

Investing in stocks can be risky, but the key is only to invest when you can. Do not invest every month unless you are financially able to do so. Some consumer services will allow you to set up automatic withdrawals from your checking or saving account to your stock or money market account. Do not sign up with this when you are first learning how to manage your stock account. You could end up losing a lot of money by investing too much money early on.

Don't rush into investing. Don't put large amounts of money in the market right away until you know what you are doing. You can start investing with very small amounts of money (even less than $100), and get a feel for how investing works.

Everybody worries about a recession. There is no foolproof way of avoiding one, however. You can minimize your losses by investing in recession resistent industries (expect lower rates of return overall, though) and by diversifying. If your portfolio is around $100 this might be hard, but that will change as you invest more.

Don't be checking your stocks every single day: this will only make you go crazy. Instead, check up things every week or month, depending on your strategy. The market is always going up and down, so don't stress out about it too much. Take time, and assess the situation with a level head before buying and selling.

You should have a diversified stock portfolio; do not invest in just one company or industry. This will allow you to have a good mix of stocks in case a certain industry or company has a rough time.

Investing in the stock market takes much discipline and hard work. Be sure to choose a strategy that works for you, and stick to it. Consistency is key. Always be learning more about investing. It isn't that complicated, and the more you know the better returns you might possibly get (no guarantees, though). Open up a brokerage account, learn your stuff, and keep a level head as you venture into the wild waters of the stock market. - 23208

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Apartment Investing Should Not Be Feared For 2 Reasons

By Carlos Vaz

With much attention on the economy recently, many people are shying away from real estate as an investment. Other investors are seizing the opportunity to take advantage of the low prices in houses. However, one of the most overlooked and lucrative areas in real estate is apartment investing. When you compare the risks and rewards to single family investing, there is a dramatic and convincing argument to invest in multifamily.

Apartment investing may intimidate many people and they feel as though it's out of their reach. Just because apartment buildings cost more money than single family homes does not mean that they are harder to raise money for. In fact, it's often true that the larger the property is, the easier the funding becomes.

Multifamily real estate is a great area to get into because there's really not that much competition for the properties. When you find a good deal on a single family house, there will probably be several other investors ready to make the deal as well. They think the same way you're used to thinking. They believe that its a safer investment because you only need to borrow a little amount of money. It's a figure that they can get their head around without stretching very much. It's well within their comfort zone. However, apartment investing is a different type of transaction.

It is actually often easier to get the money for larger purchases. The fear that most people have to get over however is dealing with larger numbers up front. Many don't feel comfortable borrowing hundreds of thousands or millions of dollars, even when the math makes sense to show them the investment can put them on the road to retirement.

The comfort zone is known for sucking people into mediocrity. It can be scary to take on larger projects, however, the knowledge you need to acquire is readily available. The leverage from apartments is also enormous. Having several apartments to cushion the blow if one tenant vacates is one area that actually lowers the risk of apartment investing.

Understanding the enormous potential of apartment investing to generate cash flow and equity with lessened risk and economies of scale is the key to creating inter-generational wealth. Getting past the fear of large number is usually the first step. Luckily, it's an easier step than you might realize. - 23208

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Silver Eagle Monster Boxes: The Best Way To Buy Silver In Bulk

By Christina Goldman

Here's how buying Silver Eagle Monster Boxes can save you alot of money. Typically, when you purchase American Eagle Silver coins, your price will be based upon the current market spot price. The coin dealer will then add a premium per silver bullion coin purchased. However, the greater the quantity of silver coin that is purchased, the cheaper the price will be. As an added bonus, free shipping for large orders is offered by many bullion dealers.

Another valid reason for purchasing Silver Eagle Monster Boxes is the shortage situation in silver bullion. Because of the selloff in the stock market, the financial turmoil in the credit markets and increase in bank failures, investors are turning to hard assets for protection and diversification. Unprecedented demand for silver bullion because of extreme investor demand has forced the the U.S. Mint to stop production of 2008 edition of the Silver Eagle.

The US Mint has rationed American Silver Eagles since early spring and is supplying the silver bullion coins to dealers on an allocation basis only.

Most dealers are shipping American Silver Eagle orders as they receive them from the U.S. Mint. In many cases, orders are experiencing significant delays and wait times of up to several months! Investors wishing to invest in Silver Eagles should purchase as many coins as they can afford now. There is a real risk that anyone wishing to purchase these silver bullion coins in the future will have to pay a huge premium to do so.

The American Silver Eagle coin is the most popular silver bullion coin. The Silver Eagle is not only beautiful but its silver content is guaranteed by the U.S. government. Each beautiful silver eagle coin contains 1 troy ounce of silver and is 99.9% pure. The American Silver Eagle is considered legal tender and can be converted to cash at any given time. - 23208

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Software For Real Estate Property Managers

By Layla Vanderbilt

There is a lot of information you need to keep track of when you are a real estate agent. Many people are surprised by just how many details you need to know when you are trying to help your clients. Before property management software came around, agents had to memorize many of their facts and keep everything else in vast amounts of paperwork. Now multiple programs have been created that can keep track of all your data for you.

The software programs vary, but most allow you to enter in the data so it can be stored in an organized way. Once the data is in the system it can be used in a variety of ways. Many programs make calculations for you so you don?t have to figure out your own finances.

One of the best benefits is that it allows you to accurately keep track of all of the information. There is no paperwork you have to file and sort through or worry about losing or misplacing. Everything you need to know is just a few clicks away. You also have the ability to make all of your programs protected with passwords, so only authorized people can access and change it. If you have to travel a lot to different properties it may be best to carry a laptop with the software on it, so you have all of your information wherever you go.

As mentioned before, these programs are able to make calculations for you. You will instantly be able to see your total income and expenses, instead of waiting until the end of the month. Taxes become a breeze and payment histories are able to be viewed together. Since all of the calculations are performed by the computer, you don?t have to worry about missing figures or miss-calculations.

Its always important to know exactly what have available at all times for your clients. Although it is nearly impossible for you to remember every small detail about each property, you management software can. They have unlimited storage space so you can keep track of every important detail you come across.

Your software can assist you making different kinds of printouts if you need them. You may want a list of all the properties you have for sale, a list of all the sales you?ve made in the past few months, or maybe a list of all of your clients. When you use real estate property management software all these tasks take only a few minutes.

Once you get used to the program you will be able to take advantage of many of the custom settings. Since each real estate agent has different information they want to record, your program can be specifically tailored to your needs. It is particularly helpful if you are trying to manage multiple properties at once.

Now that you have a good real estate property management software program you wont have to carry around huge briefcases full of paperwork. Everything about your business can be managed right from your computer. If any of your clients what to know information about other homes while you give hem tours it will all be up and ready for them to view. Using these software programs saves you a lot of time and money you can use to grow your business and advance it to new levels. - 23208

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Following Gold in Currency Trading

By Ahmad Hassam

Gold has always been considered as the ultimate global currency. Before 1973, US Dollar used to be pegged to gold. But with the collapse of the Bretton Woods System that year, US Dollar was unpegged from gold and become a freely floating currency. Free floating means the value of the currency is determined by the economic fundamentals of supply and demand.

Now US Dollar is only backed by the full faith and credit of the US Government. Most of the currencies in the world are free floating now. Many countries are also purchasing gold in the open markets as a hedge of their foreign reserves most of which are in US Dollar. In the present financial crisis with the global economy in recession, many investors are trying to take refuge in gold as the ultimate safe haven of their wealth from financial turmoil.

The Australian Dollar is known for its strong correlation with gold prices. Most of this is due to the amount of gold that Australia produces and exports. US Dollar has an inverse relationship with gold prices. When gold prices rise, US Dollar falls in value. This causes the currency pair AUD/USD to rise in value.

The opposite is also true. As the US Dollar gains value, gold usually loses value. So when gold prices are rising, we can execute long trades on AUD/USD. Likewise, when gold falls in value, we can sell short AUD/USD. This relationship provides us with a method to take advantage of the fundamental factors in forex markets. It may be due to the fact that gold is considered to be the ultimate safe haven by investors in times of financial crisis.

How do you follow gold in currency trading? We now know that AUD/USD pair reacts strongly to gold prices. So we will trade AUD/USD based on following gold. Entering a trade to follow gold is a three step process. Use RSI (Relative Strength Index) as the technical indicator to trigger the trade. If you have read the previous article on following oil in currency trading, we had used the CCI (Commodity Channel Index) to trade USD/CAD pair.

Why is that we are now using RSI instead of CCI when both gold and oil are commodities. It all comes down to how quickly the two indicators react to volatility. CCI gives a quicker signal which is good for relatively less volatile pairs. On the other hand, RSI gives slower signals. This is ideal for more volatile pairs like AUD/USD.

Use a moving average to confirm if gold is in an uptrend or a downtrend. Use the seven periods RSI on AUD/USD chart! Watch when it enters one of its reversal zones, then move back out of the reversal zone in the same direction as the gold is trending.

Enter a long trade on AUD/USD if the gold prices are rising and the RSI is crossing back above the 30 line. On the other hand, enter a short trade on AUD/USD pair if the gold prices are declining and the RSI is crossing below the 70 line.

Set a limit order of 200 pips and a stop loss order of 50 pips. This gives a risk to reward ratio of 50/200=1/4. 200 pips mean $2000 profit if the trade goes as you had anticipated. 50 pips stop loss means a $500 loss if the trade does not go in your favor. It is not uncommon to have a trade go against you only to find yourself right back in trade that goes your way. - 23208

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