Talk To Your Lender About Saving Your Home from Foreclosure

By Doc Schmyz

When your home is on the verge of foreclosure, you certainly will do anything possible to save it. But the problem is how you will do it. The first thing, among many, is going to your lender/banker and asking for help.

Yet for others, contacting the lender at the first sign of financial problems seems to be not such a good idea. It may be because they are embarrassed to discuss money issues to others or they simply don't see the need to inform their lender right away of their present financial standing , most of the time they are thinking it is a temporary problem. But the fact is, asking for your lender's help will save you a lot of trouble and it will help you save your home in the long run.

Most people have the perception that lenders, like banks, think only of themselves and don't care about the future of the borrowers. This leads to the common notion that lenders show no mercy to homeowners who have defaulted on payments and will take the homes when the very first window of opportunity opens. The truth is lenders like owners will do everything they can to avoid home foreclosures. So again, the best way to save your home is to work with your lender to solve the problem.

In most cases lenders will send a Notice of Default if you miss payments for 3 consecutive months. Call your lender as soon as possible. Inform them why you have defaulted on a payment and ask for an alternative payment schedule or temporary lower rates until your finances have returned to normal. You can also ask for Forbearance which is where your lender waives some of the penalty fees as a result of default or a mortgage refinance without going through the process of re-application, whichever you think is more economical. Mortgage lenders are NOT IN THE REAL ESTATE SELLING BUSINESS, thus are more than willing to help you to avoid repossessing your home.

Talk to your lender, inform them of your situation, and ask for payment alternatives. DO NOT WAIT!!! Act fast. Understand the gravity of the situation and do something about it. It is your obligation to pay your mortgage but when worst comes to worst, your lender wants to help you keep your home. - 23208

About the Author:

Doc Schmyz has worked with investors all over the US. He built a free free website shares Real estate investing information for all over the US. Find Real estate investing information by state

Secret That Improves Your Stock Trading Accuracy Without A Stock Screener

By Lance Jepsen

This secret does not involve using a stock screener. In fact, this one simple stock trading secret indisputably proves you can greatly improve your trade accuracy in every single market condition.

I was told this secret by a retired institutional trader several years ago. It still works today. It seems to good to be true. Using this secret I have increased my trade accuracy to nearly 80%. Every week I use this secret. I'm going to show you exactly how to duplicate this secret and improve your own trading accuracy.

No doubt you have heard the phrase "two minds can think better than just one". I have a new phrase for you as it applies to this trading secret: "5 Institutional Minds Can Produce What 90,000,000 Unprofessional Brains Can't"

That's right. There are an estimated 90 million Americans who are invested in the stock market and not one of them figured out the secret I'm about to tell you. Why? Because they don't have the same tools that the Institutional traders have.

What I'm about to show you is called behind closed doors the "Weekend Effect". The Weekend Effect is basically this: trading activity is less on Friday and Monday with Monday having negative returns.

Way back in 1988, a genius called Miller proved that returns are usually negative on any given Monday. Miller said that this anomaly might just be the result of small investor trading activity. In another study done two years later, Lakonishok and Maberly (1990) and Abraham and Ikenberry (1994) used odd-lot trading as a measurement for what smaller, non-institutional investors were doing and found evidence that supported the Miller hypothesis.

Trading activity is lower on Friday for large-size trades which is why volume tends to be lower on Fridays. Institutional traders often zero out their trades on Thursday or the latest Friday. Institutional traders do not like to go into the weekend news cycle with open positions.

Monday has lower trading volume than any other day of the week. Small, individual traders have more sell orders on Monday than any other day of the week. If small-size trades show individual investor activity and large-size trades show institutional investors then both types of investors play a key role in Monday being a negative return day. The individual traders contribute through their trading while institutional traders contribute through their withdrawal of liquidity on the proceeding Thursday or Friday. Institutional traders contribute by their absence on Friday and Monday, which reduces liquidity.

You will be most accurate with your trades on Tuesday through Thursday. You will find that your accuracy rate of successful money making trades goes up if you take an entry on Tuesday and exit on Thursday or at the latest Friday.

Now that you know markets have a habit of dipping on early Monday trading, do not sell your stock too early based on Monday morning trading activity. Remember, Monday's have the greatest number of head fakes to the downside. - 23208

About the Author:

Written by Lance Jepsen. I hope your trading accuracy totally improves after reading this article. For more Wall Street insider trading tips go to stock screener

Investing Information For Dummies

By Mr Christopher Latter

There are many people in the world who have a lot of money but do not know how to invest it to make profits. Investing information for Dummies is written keeping in mind these people who do not have any kind of knowledge on how to make the investments and how to generate profits from it. Stock market is the biggest asset people look upon to make good fortunes. This article provides some useful insight on how to start your process in the stock market explained in as much simplified way as possible.

Many people have a desire to invest in the stocks. But they do not have a fair amount of knowledge on how to do it. Investment information for dummies is the perfect resource for people as such as it has complete information on how and where to start the process and is explained in the most possible simplified language. Before making the investments, one should have a clear idea on the stocks in addition to the knowledge on the areas of investments. They also should be able to understand the financial reports, compare the old with the new, view and edit their portfolio in order to make fruitful trades. Also one should have a clear idea on buying the shares relatively at a low price and also should be able to sell them when the price is considerably high. also, one should acquire relative information on how to analyze the behavior of stocks. Only when one can analyze the behavior of stocks can he be able to make profits out of the investments he is making. Trading at the wrong places or in wrong times can totally ruin the fortune of the investors and the stock market is completely volatile and no one when know what happens when.

As a part of knowing the investment information, it is also vital to know the two fundamental elements of investment-'why' and 'how'. 'Why' represents the reason for making the investment in that particular stock and 'How' represents the way you are going to generate profits out of it. It is very vital to have a deep discernment on how the stock is behaving with respect to the demand and time. Buy a stock when you think it is the best possible price you can get it with respect to time and trade it at the best possible maximum price accordingly. Also, do not trade your stocks too early than needed. Trades must be done at the exact point of time.

Investment information also includes the places where one can make his investments. One can either invest in the form of shares/stocks or can prefer mutual funds or can even go for another form that he thinks would draw profits for him. To facilitate this, one can also make use of special investment software to maintain and organize all his investment trades. Investment software is a special application that enables the user to automate all his investment strategies so that the trades continue to operate even when without his presence. There are plenty of investment software available in the market that one can make use of to simplify one's investment operations. Before deciding on one investment software, it is highly recommended to research the different software packages and cross check them with one's needs. Select the software that best suits one's needs and purpose.

Also, it is advised to be kept updated with the current business news and investment information. Do not depend on all that one hears. Try to have some hands-on experience on the news and develop a strategy of your own. - 23208

About the Author:

Read more on the subject of investment information by visiting an archive of articles on this topic and other sources knitted closely to investment information.

Trading System Exit Strategy

By Maclin Vestor

Many good trading systems use multiple exit strategies. In normal trading system, you need to know when to exit from a gain, and when to exit from a loss. Generally you want to be cutting your profits short, and letting your profits run. At a minimum, you generally want nearly a 3:1 gain to loss. This means you should take profits at 3 times the percentage amount as you cut your losses short. We will use this system and do the following

1) Exit stop at a 7% loss. This stop-loss should sell ALL of your shares. The simple method is to just set the stop and leave it. There are dangers of this because people may be able to see someone make the stop order on the floor, and if they have enough money, they can take advantage of that, selling lots of shares of the stock, pushing the stock price down below the stop, then forcing you and others who may have stops out, and then buying the stock below your price, so the stock will stop out, and then quickly rebound. The more advanced mode is to just watch it, and if it is going to CLOSE below your stop, only then will you exit 10 minutes or so before the markets close. The sophisticated way is to just not use stops, and instead buy puts. this increases the cost of the investment and thus limits your win, but you give up a fixed amount for protection against large losses.. This would insure that the stock doesn't drop overnight. A failed breakout is signaled if a stock drops 7% below breakout point. If you are buying stocks on the pullbacks, a 7% drop should signify a breaking of support.

2) Set a profit target at 20%. You can use a limit sell order to sell here if you would like, particularly for those who don't have the time to watch the stock. You should be willing to wait a full 4 months for it to hit it's target. If it hits the target, you should sell 1/2 to 2/3rds of your shares, and let the rest ride. Also, if your stock hits the price target within 8 weeks (2 months), this signals that your stock is a good one, and you want to hold onto your winners. There is a simple strategy and a sophisticated strategy. The simple strategy is to hold onto your stock until the entire 8 weeks is up. The sophisticated strategy is to sell most or all of your shares, and convert them to an option that you should own at strike price, or very close to it. You should ensure that this transaction is such that in a worst case scenario, you still will have a 5% gain. Generally, you will own say 100shares, sell 100, and buy 1 call contract at the same strike price the stock is at, and secure a profit, while still maintaining the same upside leverage minus the cost of the option and the transaction.

3) Set a trailing stop of 25%. This should serve as a function primarily to exit the remaining 1/3rd to 1/2 of shares that you let ride after you hit your price target of 20%. It is possible that the stock goes up near your target, which will raise this stop to 5% below where you bought it, or if you aren't using a limit sell, it could spike way up to up 35% from where you buy it, and then quickly come down, and sell out a small portion of your shares for a small gain. This is fine. In this case, either the stock will then proceed to drop below your buy point and go and hit the 7% stop-loss, or it will then bounce and gain until it hits your 20% target. In either case, you will sell the rest of your shares. Of course, if this all happens in a short amount of time, you may attempt a swap as a sophisticated strategy, but generally you should be done with it.

4) You should always keep records. Record how many you bought at what price and which exit(s) were triggered. You want to check all these stocks in a year, or so, and see if you could have made more by adjusting your stops, or adjusting the size of which you sell.

5) Enjoy the profits.

If you are a good system trader, you will make sure that they trading system you use has an excellent exit strategy. At System Trading|Stocks Trading Systems you will learn that an exit strategy will allow you make sure that you have a trading system with greater returns on your average gains than you have losses on your average losses. This is only one small aspect of a trading system but it is a very important one. In fact, your exit strategy will be vital in determining how much capital you allocate when managing your money in a trading system.

In addition, if you can find a stock selection vehicle in combination with a good exit strategy, it will insure that any given investment has a positive expected value. In other words, with a good exit strategy and stock selection that picks winners often enough, you will win more than you lose, provided you manage your money right. Learn these tips as a system trader, and you stand a much better chance at being a profitable trader than someone who does not understand the importance of a good exit strategy within a trading system. - 23208

About the Author:

Maclin Vestor teaches about variousstock trading systems and has a course coming soon on finding stock trading system that may work for you.

What is Rollover in Currency Markets?

By Ahmad Hassam

Rollovers represent the intersection of interest rate markets and forex markets. When an open position from one value date or settlement date is rolled over to the next value date or settlement date, this is known as Rollover in currency trading. Rollovers are unique to the currency markets.

Rollover rates depend on the difference between the interest rates of the two currencies in the pair that you are trading. Only remember that what you are trading is in fact the good old cash. Dont forget currency is money after all.

It is like having a deposit in a bank account when you are long on a currency. Its like take a loan from the bank if you are short. You should expect an interest gain or an interest expense on holding a currency position over time just as you would expect to earn interest on a bank deposit and pay interest on a loan.

Interest rate differential is the difference between the interest rates between the two currencies. You should think of the open currency position as one currency with the positive balance (the currency you are long) and one with negative balance (the currency you are short).

Because your accounts are in two different currencies, the interest rates of two different countries apply. You can find the interest rates of different countries from Wall Street Journal Online, Financial Times online or that matter any good financial website. You should look for the base or benchmark lending rates in each country.

The larger the impact from rollovers, the larger the interest rate differential! The smaller the impact of the rollovers, the narrower the interest rate differential! If you hold an open position past the settlement date or value date, rollovers are usually carried out by your forex broker.

Some online forex brokers apply the rollover rates by applying the rollover credit or debit directly to your margin balance. Other forex brokers apply the rollover rates by adjusting the average rate of your open position. Rollovers are applied to your open currency position by two offsetting trades that result in the same open position.

Rollovers are applied to open position after 5.00 PM EST change in value date. Rollovers are not applied if you dont carry a position over the change in the value date. For day traders, who usually close their positions at the end of each trading day, rollovers do not apply. Rollovers only apply to your over night open position carried over to the next day.

Rollovers can earn you interest income if you are long the currency with the higher interest rate and short the currency with the lower interest rate. Rollovers will cost you money if you are short the currency with the higher interest rate and long the currency with the low interest rates. - 23208

About the Author:

Mr. Ahmad Hassam has done Masters from Harvard University. He is insterested in day trading stocks and currencies. Develop your own Forex Trading System. Learn Forex Trading !