Monthly Archives: March 2010

Author : Caterina Christakos

For this writing we are talking about technical analysis of stocks, the same principles are in place for the study of other financial instruments, currency and futures indexes The charts are set up with the year and an abbreviation for the months, (such as J, F, M,) at the bottom of the chart Along the right side of the chart can be found the value trends numbers for each of the months The name of the company the chart represents is listed at the top There are many real-time charts that can be found on the internet which change as the market changes

Which is better Technical Analysis or Fundamental Analysis of Stocks?

The stock market strategy that is most often taught first is the Fundamental Analysis Earnings, cash flow, debt are among the things that the Fundamental Analysis looks at Included in the analysis might be financial statements of a particular company The same economic fundamental analysis could be applied to studying the entire stock market Using the fundamental analysis, the inner workings of a company become more clearly understood Therefore, if the inner workings of a company are what you are most interest in, then the Fundamental Analysis might be your best choice

On the other hand, the Technical Analysis of Stocks does not look at the financial statements, or the track record of the company’s management They are more interested in stock prices in the past and how that might affect stock prices of the future For example, an investor who uses the Technical Analysis as a yardstick might buy and sell a company’s stock and never know about what the company’s business involves

Which is the better of the two analyses is still in question Those who want to know the ins and outs of the company’s business believe that the Fundamental Analysis is best However, those who trade solely on their knowledge of market price history of the company (the technical analysis) feel that the fundamental analysis is wasting his/her time

Will you analyze your stock pick technically or fundamentally?

Some strategists feel that the two are different versions of the same thing In fact, some use both the Technical and the Fundamental Analyses They use the Fundamental to identify the soundness of the investment, and then use the Technical analysis to time their actual buying and selling It sounds logical to do that But nevertheless, extremists deny that the technical analysis has any value, while the more reasonable are not so quick to judge

Whichever you decide is the way you will choose to analyze a stock or investment, remember that “knowledge is power ” Look at all the various charts available to you and see how closely they come to bringing you to an informed decision relative to the investment you are interested in making

Caterina Christakos is a private investor and published author. To get more information go to: http://financialinvestmentsdirectory.com

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Author : Mike Selvon

Delinquent accounts result in millions of dollars of losses for businesses every year, meaning that they are always looking for ways to increase their bad debt recovery ratio to offset some of the losses When a customer falls behind on payments or fails to pay them, then the collection process needs to begin as soon as possible A debt collection agency knows that the longer a debt goes past due, the lower the chances of successfully collecting the money owed

Trying to collect on past due accounts can be extremely frustrating, which is perhaps one reason why a company may want to consider hiring a financial collection agency These professional agencies have both the time and resources necessary, in order to contact debtors and increase your bad debt collection revenue This leaves you the time necessary in order to keep focused on your business and increasing sales

A debt collection agency can be more objective when it comes to the collections process, which generally results in larger and faster collections Yet not all agencies operate in the same manner They normally start out by sending collection demand letters, and then they will move on to phone calls

They may even suggest legal action if it is warranted and necessary As well, not all debt collection services offer the same rates for all services, as their services and charges will vary usually in accordance with the area and the amount of money owing

As indicated, the more delinquent an account becomes the less chance of successfully collecting on it For instance, if it is ninety days past due, then the account will start to depreciate faster When it is 6 months past due, the depreciation is so far gone that only 30% of money owing may be recovered

This type of loss is called depreciation of accounts receivable and it is the main reason for jumping on past due accounts and obtaining collections help right away This depreciation of collection accounts literally destroys the profit margin of these businesses

The key to the most successful collections, for both in-house and with a third party debt collection agency, is to tighten and shorten the process used to collect bad debts These delinquent accounts need to be sent to collection agencies for recovery before becoming 90 days past due

If you wait longer, then you are most likely going to keep lowering the chance of recovering any money owed on the debt Many times a company will wait six months before sending an account for collection, when in reality it needs to start much sooner, to boost the chance of recovering the money owed

A free gift awaits you at our portal site, where you can enrich your knowledge further about the debt collection agency. Your comment is much appreciated at our collections debt/a> blog.

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Author : Kristi Ambrose

As of late with the way the economy is a lot more people are getting involved with anything green have it be solar, wind, electric cars, green buildings which makes it no wonder why so many people are getting involved with green investing This has become one of the most popular hot stocks and will contiunue to be so even after the economy picks up I think a lot of people are being foreced to try something new as far as stocks go because the market plummeteed but people are also looking for a way to make money

For the people that got forced to invest in things like this they are now happy they did because they are the ones that are making money For those of you that wanted to make money and knew this would be a good route to take – bravo to you! Green stock and green investments can be broadly defined as investments in which the green companies or green mutual funds involved somehow look to improve our environment Examples of these would include things such as recycling, solar, water, wind, transportation, biomass, at energy, pollution reduction, etc

With anything in the world (even if its bad) its good to take or try to take advantage of the situation – the green stocks is the perfect example If you want to get involved in stocks but you dont want penny stocks the green stocks trade is the best option for you and you can find loads of information available online One site I found even had stats, videos, quotes and SMS and RSS feeds for the best stocks! Its sort of like having your own person gopher that comes and tells you when what stocks are available, how much they are trading for, etc

They also might have a register option as well I tried this just to see what it was and how it worked First and foremost I must mention that it was free to register and after doing so you can see a lot more information on the site including profiles and a better quotes option, also available are a lot more videos and articles as well such as; The Top Five Green Funds, Devens wind-energy company stock soars and Sterling-Rice Offsets Electricity Use With Wind Power if you really want to be on top of the green stocks available – these are the sites you are going to want to look out for if you want ALL the newest updates and news!

This Author is a huge fan of Green Stocks

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Author : Jesse Whitehead

With a sagging economy, massive job lay-offs, and overall uncertainty about the future, saving money seems to be on everyone’s mind these days However, saving money doesn’t have to be something you do only when the budget is tight It can become a lifestyle that leads to greater personal savings and financial security There has been much written on how to save money, but the list of money-saving tips is by no means exhausted This article presents four (4) ways to save money that you may not have even considered

1) Eat more pasta Pasta is relatively inexpensive, tastes great, and is good for you Pasta in its various forms is a versatile high-energy food that will fill you up, and is easy on your wallet Add noodles to soups to turn a side dish into a meal, use pasta with stir fry dishes, and make pasta salads that can be a main dish or a side dish The variety of ways you can use pasta is endless You will be adding variety to your menu, and saving money as well

2) Eat more rice Rice is a staple food for a few billion people around the world, and for good reason Rice is cheap when bought in bulk, and is one of the most versatile foods on earth Prepare rice as a main dish, side dish, or even dessert – the choices are endless, and you’ll be able to save money on your food purchases

3) Eat more beans Beans are another staple food that is used widely by many people Beans are high in protein, high in fiber, and high in taste Beans are very versatile, and can be used to stretch casseroles and other main dishes as well as make great side dishes Beans also make great additions to salads

4) Use non-fat dried milk in your baking It’s a cheaper alternative that using fresh milk and you probably won’t be able to taste the difference

In conclusion, we have looked at four ways you can save money by making some simple changes to your menu choices Including more pasta, rice, beans, and dried milk in your dishes can bring greater variety to your menu, and help you save money at the grocery store

Jesse Whitehead lives in the Central Valley of California where he enjoys writing articles on a variety of different subjects. His latest interest is in Fluke Digital Multimeters. Come visit his latest website at http://FlukeDigitalMultimeter.org which provides more information about Fluke products.

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Author : Catherine Harvey

The population of Britain is rising at an alarming rate and accommodating everybody in suitable housing is becoming difficult On top of that is the unstable monetary system Rising house prices are formidable for those looking to get their first foothold on the property ladder and the threat of a house price crash has those already paying mortgages on the edge of their seats

The outlook for those in property sales is just as unstable as for buyers In some areas, business is booming and in others, it is struggling When local authorities build new houses they are obliged to get an assessment from The Environment Agency However, the agency is now finding that when they recommend no building because of flood risk, the authorities are often ignoring them and going ahead with the project regardless

It has also been publicised that the cost of keeping back the forces of nature is becoming too high for authorities to manage Because of this, in some places, they have decided that defences against rising water levels will no longer be maintained, allowing nature to take its course

The problem for house buyers is that insuring your property against flooding is either going to be at astronomical premiums or non-existent Estate agents can advise about the risk of flooding to property but it is important to do your own research, possibly even speaking to The Environment Agency yourself to check out your possible investment

Labour plan to build 3 million new homes by 2010 but the Association of British Insurers claim that a third of these are at serious flood risk This will lead to estate agents holding a plethora of properties that are un-saleable, uninsurable and uninhabitable

The Chief Executive from The Environment Agency is urging insurers to refuse insurance on flood risk properties in an attempt to force the government to rethink their attitude to building on flood plains Somehow, I think it will be the general house buyer and not the government that will suffer if this happens

Even if your house does not suffer flooding, it is possible, with 2,000 energy installations at high risk of flood damage, that power to homes will be lost, causing more insurance problems in relation to electrical equipment

More than half of all homeowners in the Boston area of Lancashire are at very high risk of their homes being flooded and this is a problem estate agents in the area have to contend with when trying to market their properties Is it any wonder property sales in the area are falling?

On a lighter note, the quaint village of Cerne Abbas in Dorset has been given the prestigious accolade of the most desirable village in Britain Estate agents actually have long waiting lists of people wishing to move into the area and property sales are booming

With its listed cottages of brick, flint and stone, good quality schools and low crime rate, prices start at an astronomical half a million pounds Despite this, estate agents are finding that the step back in time is a huge attraction Set at the base of a valley, mobile phone signals are not able to disturb the peace and tranquillity of a village supported by a strong community spirit

At the grander end of the scale, estate agents seem to have had no problem marketing the most expensive new build property in the UK Just the brochure for this property comes with a 1,000 pounds price tag An Israeli diamond millionaire has just paid 35 pounds million for the mansion that boasts a 750,000 pounds stone staircase, a 100,000 pounds hand carved stone fireplace, a gym, steam room, hair salon, nightclub and swimming pool with gold mosaic tiles among other attributes The armour plated door alone would set you back 50,000, pounds the price of a small house itself up north

Looking like something out of a James Bond movie, the pool room converts into a ballroom and all electronics within the house including lights, music, infrared cameras, heating and air conditioning can be controlled electronically from anywhere in the world Why you would want to turn your heating on from the other side of the world is beyond me but unique selling points make property sales a lot more attractive

Property expert Catherine Harvey looks at the fluctuations in property sales throughout the UK.

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Author : Shaun Greer

Even while the rest of the country is suffering under the deflated economy and woeful real estate market situation, there will always be those individuals who can afford to purchase And now, with the rock bottom home prices, the time to buy real estate has never been better Real estate investors are being wooed to purchase more and more properties at a fraction of the cost they would have held during the booming years

One example of the lure of deflated real estate costs can be found in South Florida Here, home prices have dropped almost 27% in just the last 12 months alone, making the properties in this region an ideal purchase for any savvy real estate investor With more and more people trying to get out from under their large mortgage bills to avoid foreclosure, these motivated sellers are putting their homes on the market for less, and closing on them for even lower

Bargain hunting for properties in this area and other similar real estate markets where the prices have plummeted has never been easier Better still, the smart investor knows that they can rent out the properties while the market is in its poor state Once the market rebounds, these properties will be able to sell for a far greater price than they were bought, especially in areas like South Florida where the temperate climate is always one of the biggest selling points

But what if you do not want to hold a bunch of real estate properties in your portfolio? The smart investor knows that they can purchase a house at a large discount, make a few upgrades and flip the house for a modest profit, should the need to diversify your portfolio arise If the cash is needed right now, the real estate investor can make some simple upgrades to change the home, sell it quicker and still gain a profit, while holding on to the other properties that might yield a larger profit once the market rebounds

Other investors are buying in bulk, just as though they were shopping at one of the bulk grocery outlets Some buyers are purchasing bank owned homes and reselling them with little changes to gain a profit Homes can be bought up to 50 properties at a time without ever stepping foot on the property Once owned, these investors make only the necessary changes so the homes sell fast to turn a profit Of course, this concept has been around for decades and the need to flip the house quickly is what will bring the investor the cash needed But with the real estate market as low as it is now, those investors with the cash and knowledge to purchase properties can come out ahead as motivated sellers and buyers are anxious to capture a new home at a deeply discounted rate

Who really reaps the rewards when suffering properties are purchased? The local neighbors and communities are the ones who are seeing the best results from these purchases Empty homes are welcome signs for vagrants and drug dealers, while these purchased homes help to keep the neighborhood up and keep prices from falling any further

Sell My House Fastto a local home buyer?

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Author : Rob Swanson

To be a successful real estate investor, you must have access to private money Private money is the only source of funding that you, the aspiring real estate investor can use where you set the terms and not your lender The importance of that in both the short and long run can not be overstated If you’ve been a real estate investor using private money for any period of time, or if you’ve struggled trying to get banks or hard money lenders to fund your deals you know exactly what I mean

When you make the rules and help your private money lenders be successful, you are creating a long lasting relationship that helps your business profit and your private money lenders increase the returns on their money while being secured by real estate Think about that for a minute

If you go to a bank, a traditional source of real estate loans, you play by their rules They set the terms, the interest rate, the payoff timeline and everything else And, just to get the money, you have to jump through a lot of hoops It can be a painful process

And frankly, it is not something that I would recommend you even try I want you to start thinking private money But, you’ll pay big if you use hard money The reason most real estate investors rely on bank loans or hard money is simple It is a lack of education

Let’s explore the various funding options you can use in your real estate investing business Traditional loans are the cheapest, have the longest repayment terms but are by far the most difficult for a real estate investor to get Banks with real estate investor loans base their lending decision on your income and your credit That might be a problem if you are just starting out or have too many loans already The bank makes the rules, not you

I don’t recommend using bank loans to try and build your real estate investing business Now, hard money lenders are more expensive than traditional lenders and their loans are still harder to get than private money Hard money lenders usually charge several thousand dollars just to fund your deal and then they may charge you up to 18 percent interest In most cases, you have to pay the interest monthly which can be hard on your cash flow The bottom line is that hard money lenders make the rules, not you

Now, let’s take a look at private money I have no doubt that after exploring private money for just a minute you will see how beneficial it can be for your business Private money is the only funding source that any successful real estate investor needs Private money can be used to wholesale real estate, for fix and flip deals and can even be structured for long term buy and hold real estate

Private money can be more expensive than traditional loans but is often times cheaper than hard money And, private money has much better terms than both Private money is money that real estate investors borrow from people that do not make their daily living by lending money and yet are interested in getting a higher return on their money secured by real estate

When you use private money, you, the real estate investor make the rules After all, it is you that is structuring the deal and part of that is structuring the terms for the money If you listen to what your private money lenders want, you will always have access to the private money cash to close your deals quickly

Private money helps you eliminate negative cash flow, it requires no cash or credit to get the loan and can even pay you up front to close on your deal putting thousands of dollars in your pocket right away The benefits of private money are endless and every real estate investor must learn how to find pirvate money You should start today

Rob Swanson is the creator of ’3 Secrets to Raising Private Money’. If you want to learn the #1 technique you can use to raise millions of dollars, claim your FREE video training now at RaisingPrivateMoneyNow.com. You may reprint this article as long as the link above remains active.

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Author : Peter Kenny

Whilst the UK has enjoyed many years of easy credit, with even those with damaged credit often able to get finance without any problems, things have changed radically in the financial markets over the past year Just a year ago the thought of ever being rejected for any form of finance may never have crossed your mind, and indeed were it not for the global credit crunch you may never have experienced any problem when it came to getting credit

However, unfortunately the global credit crunch struck like a giant hurricane last summer, wreaking havoc in all the financial markets and making it far more difficult for consumers to get finance as a result of lenders tightening their eligibility criteria It is therefore more important than ever to be cautious when applying for finance in order to avoid the pitfalls of rejection

When you are applying for loans or any other sort of finance you always need to check the eligibility requirements You should bear in mind that the eligibility requirements have changed for many lenders over the past year, and whereas you may have fitted in with the criteria twelve months ago this may no longer be the case because of the tighter rules that lenders have put into place By ensuring that you read up on the eligibility criteria for each lender you are thinking of applying to you can ensure that you do not risk rejection simply because you do not match the requirements

Something as simple as making mistakes or leaving information off the application form can result in your applications for finance being rejected, so make sure that you are vigilant when you complete the form, and double check it to ensure that you have answered all questions Also, no matter how tempted you may be to leave information out or tell a white lie or two do not! Lenders can quickly pick up on things like this, and not only will you face rejection but you could find that your changes of getting finance with any other lender are ruined for a long time to come

Another thing that you can do that might help you to avoid rejection for finance is keep a regular eye on your credit file, which is what lenders use when deciding whether to give your credit Make sure that the information on the file is correct and up to date, and if not get any outdated information or inaccurate information rectified otherwise this could have a negative impact on your credit file and rating

If you are rejected for finance this does not mean that you will not get finance with another lender, but you need to make sure that you don’t wade straight in and start sending out applications to a range of other lenders, as each rejection you get makes it that bit harder to get finance again in the future Instead, consider using the services of a broker, who may be able determine which lender is most likely to cater for your needs based on the information that you provide

Peter Kenny has been writing financial articles for 10 years and is a writer for The Thrifty Scot, please visit us at Personal Loan and Credit Cards
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