Blog Blog Copyright by en Wed, 26 Jun 2019 00:41:25 -0400 Top Benefits of Money Management Apps and Essential Features Managing your money is no easy game. Today, we are living in an age of subscription services. You need to take care of numerous things when your finances are involved. Today, balancing your accounts is out of fashion. Wealth management apps have taken their place to keep you stress-free financially. The best way is using topnotch money management apps. These tools will help you keep track of your money, investments, and expenses like a financial advisor. There is no doubt about the same.

You will also find apps that offer benefits like financial management, payment of bills, and preparing a budget to help you make both ends meet. According to an article published in, there are tools to manage your money efficiently.

When you have debt, keep your cool and sit down to face the situation. It is your loan and you will pay off to your creditors. Based on the findings of the Federal Reserve, student loan amount to $49,042 for every US household and the average US mortgage loan is approximately $172,806. The problem is not the debt but the way most people avoid the same. If you do not figure out how to pay off your creditors fast, the problem will linger and your outstanding balance will keep shooting up. Therefore, read on to learn more about the top benefits and features of money management apps.

Error-free bills

You pay numerous bills in a month. The grocery bill, utility bill, telephone bill, cable connection bill, and so on. The list is endless. Then, if you create these invoices manually, there are chances of mistakes creeping into the same. That is why; you need bills generated by web apps that are free of erroneous entries.

No matter how good you are at calculation, a manual bill will have mistakes. There is no way you can deny the fact. You remember the famous saying “To err is human.”  Managing all bills in a month manually will leave you in a crisis. There is no doubt about the same. This was your personal bills.

When it comes to your business, missed collectibles will add up to your losses. That is why you need money management apps to avoid manual errors.


When it comes to money management apps, they are easy to use with a simple and appealing interface. Moreover, the features and interface offer your business the information that you want to assess. You can access all details quickly without any issues. The features such as real-time reporting together with other benefits will let you compute things like taxes and fees accurately. You will also be able to forecast asset management cash flow and tax returns. All of it leads to more transparency in your business transactions like never before.

Whether it is any dealings with your partners, suppliers, or employees, using money management apps help you maintain 100 percent transparency in all your financial transactions. There is no doubt about the same.

Besides, if you have any business loan from, use the best money management app to monitor your expenses so that you can repay your debt quickly.

Enhanced productivity

Your business cannot thrive without productivity. That is the reason why you need money management apps. When it comes to personal finance apps, they help you manage your money well. The same rule applies for apps that help you boost your business productivity.

When you use such apps, half the workload of your company will be reduced and you can use the saved time to finish other mission-critical tasks. Try these apps and you’ll be surprised by the outcome.

Less use of resources

When you have a business to operate, resources play a significant role to determine whether your venture is running profitably or not. If you have moderate work and more staff to manage the tasks, it means you have surplus employees. This is where the importance of accounting tools comes into play. You can install the same into your business’s financial system. Now, what does that imply? It means you will need to hire fewer employees to maintain an application. It translates into less hiring expenses.

It will help you operate your business cost-effectively, thus benefitting your venture to deal with various aspects of your business processes.

Strategic planning

When you are in business, a little planning and forethought go a long way in reaping the maximum benefits. When you plan, it helps your business to have a solid foundation and come up with promising strategies for future expansion and growth. It benefits both the company as well as the staff.

Moreover, with plans ahead, your business will help your executive estimate, assess possibilities, analyze situations, and weigh the risks and benefits. It will let them develop tactical strategies based on the current market and financial condition of your business. That is the best way to invest further in the business and diversify for increased revenues.


Budgeting: When you have a financial tool or app in place, it will help your business to assess and compute the financial performance in a particular year. Why this year alone but also forthcoming years? Your business can use the app data to estimate realistic and expected sales targets as well as the revenues from such proceeds. Such a feature usually comes as a bundled module along with the money management tool. 

Inventory control: The right tool will help your business to control stock and initiate all tasks associated with inventory management. When you know that you are running out of stock through app alerts, you can restock your goods before they exhaust. This way, there will be no customer dissatisfaction, delivery issues, and under-stocking of your products.

To cut a long story short, efficient inventory management is one of the greatest benefits of any business application or tool. Today, with innovative technology, the apps are high-end and integrate the best features to take your inventory management to the next level.


With money management apps, your business brings all processing and systems under a single platform. Use the right money management app and see the results. You will gain.

Uncategorized Editor Tue, 25 Jun 2019 10:43:14 -0400
Finding Out The Money Saving Ability Of Debt Consolidation Most people take on debt consolidation as an option to get rid of their debts because they think that they will save a lot of money this way. Well, most of the times it does but that is not due to the features of this tool alone but it is also largely dependent on your behavior.

Debt consolidation is ideally a tool that will reduce your debt stress making it much more manageable but in no way it will reduce the actual outstanding debt amount that you have currently. Therefore, how do you save money? Well, to understand that you will need to delve deep into it.

  • If you go by the definition of debt consolidation itself then you will see that its primary focus in not on saving you money much as it is on reducing your number of debts that you currently have against your name.
  • That means if you go through the process of debt consolidation it involves turning five debts into one single debt and this certainly does not reduce the amount that you have to pay.

With that said you need not feel disheartened. When you choose debt consolidation as an option for your debt relief and choose some of the best debt consolidation loans, you will surely end up saving a lot of money both now as well as in the years to come down the road.

Save money from different sources

Ideally, a debt consolidation loan comes with a low rate of interest but provides you with the desired amount of money to pay off all your loans. Since it also comes with larger loan tenure and better loan terms you end up:

  • Paying off your existing debts at once
  • Carry on with one single debt now
  • Get out of is faster for its favorable terms and
  • Pay less money in turn due to its low interest than you would have otherwise.

That means you will save money from different sources when you take out a debt consolidation loan that includes lower interest rates and monthly payments apart from a radically reduced debt load overall. No wonder sites like seconds for debt consolidation option instead of debt settlement or bankruptcy.

Different variations of debt consolidation

However, there is something that you should know at this point. It largely depends on the type of loan you have taken out when it comes to determine how these savings are going to happen.

There are quite a few variations of debt consolidation and all will have a different level of ability to save you money considering the best-case scenarios.

Debt consolidation is rather a wide umbrella that involves a few methods that are more popular than the others and it all depends on the amount of money saved by these specific forms of it. These different forms are:

  • Balance transfer credit cards
  • Unsecured personal loans
  • Debt management and
  • Debt settlement.

All of these options will have different features which will eventually determine how much money you end up saving.

  • With balance transfer credit cards option you choose a new card that has preferably a 0% introductory interest rate and a high potential spending maxim. This will limit or eliminate the amount of accruing interest when you use these cards thereby saving you a lot of money. The rate of interest on credit card debts can range anywhere from 18 to 36%! Therefore, you save a quite a lot of money if you repay the balance within the introductory period. However, make sure that you do not use the card actually as well as other cards to ensure that you save quite a lot of money.
  • If you take out unsecured or even a secured personal loan on the other hand to consolidate your debts, which ideally is the most common process you save a lot of money due to the much lower rate of interest that it carries. This lower rate will reduce the total amount of money you end up paying for this loan over time. In several cases, it may also reduce the total amount you pay to your creditors each month. That means though a single loan payment may be much higher than one single credit card payment, when you combine several credit card debts into one personal loan, you will save a lot of money each month apart from get out of your debts much faster paying less.
  • Debt management on the other hand means working with a credit counseling company. They will help you to manage your outstanding debts no matter how overwhelming or unmanageable the amounts of debts may seem to you. Though not always, most of the times these companies are non-profit organizations. This means you save on the fees of hiring such professional and expert service. Their programs come in two parts: providing simple financial education and enforcing financial discipline. You will make a single monthly payment to them which they will distribute to your creditors, which is where you save your money once again. They are adept in negotiating with your creditors to win concessions in the form of reduced interest rates or reduced overall debt even.
  • Last but not least, debt settlement is another option that will save you a lot of money. This option is much similar to debt management plan but in here you pay the third-party company every month a set amount instead of your various creditors. They will negotiate with your creditors for a reduced amount essentially consolidating all your debt at the same time. It is much more aggressive and therefore comes with much more savings than debt management plan.

Which option you will choose to save money the most will depend on your choice and preference and also on your financial affordability. However, using a debt calculator to crunch the numbers will help you to make the right choice. This is a simple tool to use with a built-in formula that will do the calculation for you. All you have to do in punch in the numbers.

Uncategorized Editor Tue, 25 Jun 2019 10:35:59 -0400
Starting a career in money lending? Important steps to consider Today, many people want to venture into the world of money lending! Over the years, there have been various banks and financial institutions that have granted standard loans. But when it's a smaller amount to fund a start-up, banks at times fail to understand and cater to the borrower need. Or even if the borrower loans out a certain sum of money, the loan repayment terms and interest are not very easy.

This scenario has compelled many people to start their career in money lending! The thought is exciting, and the business reviews suggest that it's a profitable business. But when you get to work, you know that effective planning is essential.

Building a career in money lending or starting a money lending business careful planning. Before you start, you can read about successful companies who have established their names in the money lending arena. To know more about this, you can read more on Liberty Lending.

Also, you need to follow some essential steps to get started. You can refer to the crucial steps mentioned below.

  1. Raise the lending capital

You need to acquire sufficient capital from somewhere to start your money lending business. Earlier, there were ace venture capital investors who helped interested business persons to get started. And unless you are into pay-day loans, you need to source out money beforehand. Today, raising the lending capital has become simpler. However, it still is one of the most challenging aspects. To expand your business, you require a talent pool of capital markets. It will make sure that you are equipped with sufficient lending capital, which doesn't cost much.

The reputed banks today have their deposits, which source from people’s savings account. And for this, they pay even lesser than 1% every year. On the other hand, prominent non-banks can borrow money at the same rates. Hence, any start-up will always be at a disadvantageous position here. It is because they need to borrow at a very high rate. The other option is they might lend from their balance sheet.

Additionally, cheap capital is essential. However, it's not a necessary ingredient to succeed as the reputed market players are paying close to nothing for the capital. Hence, it is essential to connect with people who want to pay a huge amount for you to loan money. It is one of the pre-requisites to start a money lending business.

  1. You need to acquire the customers

The moment you have enough capital to start your business, you need to hop to the second step! You have to begin customer acquisition. Sometimes, it is a costly process. But to get started, you need a correct and distinctive customer acquisition strategy. It is the secret to your money lending business start. Make your strategy unique to your set of needs and business objects. That makes gives the plan its distinctive "trait" and makes it hard for any other start-up to copy your strategy. Useful customer acquisition channels usually come from the following:

  • A particular customer profile

Do you have a customer segment? If not, you need to create that right at the start. You can have students, budding artists, aspiring business owners, and entrepreneurs as your target audience. It will enable you to advertise on the main channels that come cheap. Try and customize the marketing materials to sync in with the target customer profile. So, when you finally advertise on the main channels, the conversion rates are more instead of the conventional lenders. Also, when you have your specified target customers, you get an underwriting edge as well. It will enable you to lend at lesser rates as compared to any other.

  • Consider the location

It indicates that you can provide the loans in a site which isn't accessible to other lenders. It generally is a blend of business relationships and technology. An excellent example would right during a conversation with an ace contractor for a home remodeling project.

  1. Underwriting the borrowers

The process of underwriting is another way to outshine the reputed lenders. When you opt-in for excellent underwriting it helps in two things:

  • You can lend to those customers who others have rejected
  • Providing improved interest rate to a chosen category of people

You can get this done via distinctive data sources, superior business perspectives, and insights, and implementing an excellent business model. Also, you need to provide excellent facilities for the customers for repaying loans.

  1. Retaining your customers

It is essential to keep your customers to grow your business. For this, you need to set up an excellent customer care department, which can take in customer queries and address it to their best capacity. Also, you should try and loan out small amounts that small start-ups might require. Usually, reputed and big banks decline the small start-ups. When you provide them better loan scopes and interest, it will act as word of mouth publicity for you. Your existing customers will stay, and the publicity will fetch you more clients.  You can also revise the penalties and not make it as harsh as other established banks or financial institutions.

  1. Get the technology correct

If you want to be a success in the money lending business today, you need to get a website. It will be a point of reference for your existing as well as potential clients. Make sure that your website contains the necessary loan and your contact details. Also, mention your business objective and the loan acquiring process. It will make your website reach to the correct candidates. Upload any forms and documents that your customers must read before applying for a loan. Also, keep a customer query channel or mention an email address, where interested customers can write to you. You should also secure your website with the correct encryption method so that users can navigate through a secure site.

These are some of the essential steps that you need to follow for establishing a money lending business. You can start small, but it's essential to maintain quality service and be steady at your game. You can keep on implementing the best business practice that other leaders in the business have done to become successful.

Uncategorized Editor Tue, 25 Jun 2019 10:32:32 -0400
5 Ways to Invest In Blockchain Technology Today

As one of the hottest trends in the financial sector, blockchain technology has the potential to completely change traditional business models. Similar to large-scale digital spreadsheets, blockchain is shared by all members of the decentralized network. Typically associated with confirming Bitcoin payments, blockchain technology can also be used in other ways.

If you are considering investing in blockchain technology, you can start in the following five ways.

Stockpile Bitcoin

As prices are expected to rise, many investors have taken advantage of the opportunity to store Bitcoin as if they had gold.

Although they are two different types of assets, because gold is a tangible item and Bitcoin is not, the basic investment principle remains the same.

Blockchain pennies Stock

Believe it or not, there are penny stocks for cryptocurrency. In addition to Bitcoin, you can invest in many other types of digital currencies, including Altcoins and Litecoin.

Over the past few years, many alternative cryptocurrencies have been under development in an attempt to compete with Bitcoin and other devices dedicated to meeting the needs of Bitcoin.

Altcoin Crowdfunding

In order to raise seed money for various investments, crowdfunding has become a popular mainstream approach. If you want to participate in blockchain technology, you may need to consider a unique crowdfunding approach that uses alternative coins.

Using this investment method, the total supply of coins is pre-mined prior to the public release of the network, which is then sold under the initial coin offering, or ICO.

Angel Funding and Startup Ventures

While angel investment and entrepreneurship are not a new concept, one change that has begun to gain traction is investment in start-ups based on blockchain technology.

As Bitcoin became more popular and accepted by more mainstream businesses, the number of entrepreneurs interested in the technology surged.

Pure Blockchain Technology Play

The number of pure blockchain technology is increasing. Companies like hashing Space Corporation, Global Arena Holding, and BTCS, Inc. are fast becoming well-known brands in the field.

For example, BTCS protects blockchain with its unique transaction validation service. While many people believe that blockchain technology and cryptocurrencies are just a fad, these technologies continue to gain momentum and have the ability to change the world as we know it. The decision to participate in the boom in blockchain technology could yield huge returns.


Cryptocurrency and blockchain technology is very new to many people. When it comes to investing in blockchain technology and cryptocurrency, there are actually many different ways to do so. In this article, we have listed some different approaches for crypto and blockchain investment. To learn more, you can keep an eye on recent news and updates for blockchain and cryptocurrency. Hopefully this article can serve as a starting point for people interested in this field!

Uncategorized Editor Mon, 03 Jun 2019 02:37:46 -0400
Will China Change Its Approach to Bitcoin? Since September 2017, Chinese regulatory started a standoff against digital assets, after deciding to ban Initial Coin Offerings (ICOs) and termed it illegal. At that time, the decision made the price of Bitcoin drop by 6%. The situation escalated in February 2018, when the Popular Bank of China (PBOC) made another move.

As the central regulatory authority that regulates financial institutions and drafts the monetary policy of the country, it blocked access to all domestic and foreign cryptocurrency exchanges and ICO websites. No changes to that approach occurred up until recently when a Chinese official mentioned that “occasional” Bitcoin trading is not illegal.

A new rhetoric?

Sa Xiao, a council member at the Bank of China Law Research Association, made some interesting remarks, suggesting that China’s regulation on the virtual property includes the right to trade it. He also mentioned that ownership of cryptocurrencies, including Bitcoin, had never been forbidden by law.


The new approach comes in contradiction with the official measures taken by public authorities. Although Chinese citizens were still able to buy Bitcoin online, despite the ban, using VPNs or other methods to cover their identity online, this could mark the beginning of a transition.

Price trades around 2019 high

Although the chances of a total reversion of the steps taken in the past two years is very unlikely in the near term horizon, the Chinese market could have a huge contribution in supporting the price of Bitcoin. With 1.3 billion people, the demand side could be hugely influenced. Digital assets represent an alternative for people in China since the population had limited access to banking services.

In the meantime, the Bitcoin price continues to trade very close to 2019 high, which located at $8,388 on the Coinbase exchange. As the Atecs Capital weekly market review stated, the momentum in Bitcoin had been very strong for the past two months, pushing the price towards levels not seen since mid-2018.

Weekly LocalBitcoins volume charts show that even though Bitcoin trading in China dropped significantly since the end of 2017, a slight pickup can be noticed since February 2019, when the Bitcoin price was already building on the upside. Increasing demand from China will have a significant impact on the future performance of Bitcoin, as the current price action performance show there is still little interest from sellers, even in these overbought conditions.

Uncategorized Editor Thu, 30 May 2019 12:17:10 -0400
An Investors's Guide to Trading Crypto Currencies If you are new to crypto currencies, its important to understand the driving forces behind these products. Crypto currencies have been around for a decade starting with the most popular crypto currency - bitcoin. There are several different crypto currencies you can trade, but many are illiquid and do not provide the necessary bandwidth, to enter and exit the market. There are several ways you can trade the crypto currency market, including holding the address in a digital wallet to using a CFD broker to trade specific crypto currency pair.

What is a Crypto Currency?

A crypto currency is a decentralized currency that is not run by a sovereign central bank. Crypto currencies are not attached to countries and therefore there is no interference by an authority to manage the currency to enhance the trade balance within the country or union. Each crypto currency is designed to perform a specific function. For example, some are geared to payments, allowing users to buy and sell goods and services. Other crypto currencies allow users to purchase smart contracts on certain platforms.

How is a Crypto Currency Traded?

Crypto currencies are purchased and sold by users and investors. The value of a crypto currency is determined by the market. Most crypto currencies are traded versus fiat currency, such as the dollar, the euro or the yen. For example, Bitcoin, the most popular crypto currency, might be quoted in dollar terms.

There are two main ways that crypto currencies are traded. The first is via a wallet. To purchase a crypto currency you need to deposit fiat currencies into an account. You can then exchange your fiat currency for a cryptocurrency. When you do this, you receive an address with an amount of crypto currency. If you plan to purchase items with your crypto currency this process is a must.

An alternative way to trade crypto currencies is to trade contracts for differences (CFD), on a crypto currency trading platform. Several reputable brokers offer crypto currency CFDs. A CFD tracks the movements of the underlying asset allowing a trader to invest in this financial instrument without owning the underlying asset. Additionally, the liquidy in CFDs can be significant allowing traders to easily enter and exit the crypto currency market without experiencing significant slippage. The commissions on CFDs are also low relative to crypto currency commissions. Some digital wallet operators will charge up to 3% per transaction, compared to CFD brokers which offer a very tight bid/offer spread.

What Strategies Can You Use to Trade Crypto Currencies?

While there are some fundamental strategies that focus on crypto currencies, such as new ETFs, or payment processing alliances, the most complete strategies are technical analysis strategies. You can use trend following strategies, momentum strategies or mean reversion strategies. Many traders use moving average crossover strategies to capture trends, the MACD (moving average convergence divergence) index to captures momentum, and the fast stochastic or the relative strength index to measure mean reversion.


There are several different crypto currencies you can trade and there are several ways you can trade the crypto currency market, including holding the address in a digital wallet to using a CFD broker to trade specific crypto currency pairs. If you plan to purchase goods or services with crypto currency, then you will need to open a digital wallet. If your goal is for investment purchases, the best way to trade is to transact crypto currency CFDs.

Uncategorized Editor Thu, 02 May 2019 09:07:25 -0400
SocialGood CashBack Possible Thanks to a Utility Token As Initial Coin Offerings gained traction in since mid-2017, various types of token begun to show up. Now we have utility tokens, security tokens, currency tokens, and last but not least, hybrid tokens.

In today’s article, we’ll focus on utility tokens and in particular on the SocialGood (SG) token, which is part of an ambitious project due to take place during 2019. For those of you that don’t already know, utility tokens are often called app coins or user tokens, which provide future access to a product or service.

A utility token supporting the SocialGood Cashback program

The SG token is a utility token compliant with the Ethereum ERC-20 standard, which will be issued by the Social Good Foundation Malta Ltd., a wholly-owned subsidiary of Social Good Foundation Inc. in Tokyo, Japan.

Being one of the main components of the SocialGood Cashback program, the SG token will be used as a reward for users. Simply put, the Social Good ecosystem will include companies from the commerce field (a few had already joined the program) and users who will buy products from them will be eligible to receive up to 20% cash back which will be denominated in the SG token.

For the year 2019, the foundation had planned to issue an estimate of 17,727,258,918 SG tokens, out of which around 10 million or 56% will be used for the cash back program. The company had already raised $30 million from accredited investors and it had launched the cash back program at the beginning of March 2019.

Several important steps are scheduled to be implemented throughout the year. The company plans to run its own ICO. It will also develop a mobile app, so it will be much easier for users to receive cash back.

In terms of exchange listing, SG token will be made popular via a few important listings on some of the most important exchanges. As a first step, sales of SG tokens will begin on the LATOKEN exchange, a platform with more $5 billion in monthly trading volume. Part of the plan is also to list the SG token on DigiFinex, which is currently the 13th ranking exchange, with an estimated daily trading volume of $579 million.

By December 2019, the Social Good Foundation plans to sell tokens in various cryptocurrency exchanges worldwide, so cash back users will be granted SG free of charge. Asides the amount set for the Cashback program, the remaining will be sold during the presale, during the IEOs (Initial Exchange Offerings) and ICOs (Initial Coin Offerings).

The important aspect of the SG ecosystem is that the Foundation is planning to hold buyback operations, meaning it will use funds to repurchase SG from the market in order to adjust the supply and demand of SG circulating in the market. By doing so, the operating company will be able to contribute to longer-term stability and the rising value of SG, thus enabling users to exchange the tokens received in the Cashback program for a higher fiat value.

Uncategorized Editor Wed, 10 Apr 2019 11:00:49 -0400
An Introduction to Shareholder Advocacy

Many shareholders don’t realize how crucial their role is. Most investors purchase shares of companies because they feel this is a profitable way to invest their money, but do not realize that the money they spend on shares will be used to finance the different activities of this company.

As a shareholder, you get to have a say in how the money you invest is spent. Shareholder advocacy is about drawing attention to the practices you perceive as problematic so the companies you invested in consider changing their behaviors.

What is shareholder advocacy?

Purchasing shares of a company makes you an owner. This doesn’t mean you get to run the company or that your opinion will be sought before making important decisions. However, you have the right to express your opinion and the board of directors or CEO is required to listen to you.

How can you make a difference?

Drawing attention to negative practices such as outsourcing production to sweatshops, implementing practices with disastrous consequences on the environment, or explaining why employees or customers are not treated fairly is a good start.

Shareholder advocacy can also lead to ousting the current management of a company, especially if there is evidence that the company isn’t run in an ethical manner or if the management is making decisions that expose your investment to unnecessary risks.

How can you draw attention to an issue?

The most efficient way to draw attention to an issue is to work towards getting a resolution passed. A resolution, sometimes referred to as a proposal, is a document that presents an issue and a solution to change the company’s behaviors or reduce its exposure to risks.

You can create a resolution by yourself, but it is quite common for groups of shareholder activists to get together to create proposals. Working with other activists is a great way to share ideas and learn from their experiences.

Can anyone file a resolution?

You can present a company’s board of directors with a resolution as long as you own $2,000 worth of stock in this company. You also need to own the shares for at least a year before you can present your resolution.

What happens after you file a resolution?

Filing a resolution is about opening up a dialogue between a company’s board and the shareholders. If you or a group of shareholders filed a resolution to draw attention to an issue, chances are many other individuals share your concerns.

After a resolution is introduced to a board, a vote must take place during the next annual meeting. Shareholders get to vote on whether or not the resolution should be adopted.

Companies typically pay attention to a resolution as long as it receives at least a 10% support when shareholders vote.

A company might decide to take action before the annual meeting to present shareholders with their progress instead of holding a vote. If there is a real problem with unethical practices, it is usually best for the company to work on resolving the issue instead of taking the risk to project a negative image.

Are companies legally required to change after a resolution is voted on?

In most cases, resolutions are not legally binding. The purpose is to draw attention to the issue and make the board realize how an unethical practice is casting a shadow over the image of the company.

A good resolution should present the board with strategies they can implement to solve the issue instead of merely criticizing the company’s behaviors.

Getting a resolution passed requires hard work and dedication on your part. However, if you own enough stock in a company, you have the right to express your opinion. You can encourage the company to adopt ethical practices, make an effort to be more environmentally conscious, or offer better working conditions to their employees.

Shareholder advocacy is up to you. You can make a difference!

Uncategorized Editor Sun, 16 Dec 2018 11:59:44 -0500
How to Invest Like Warren Buffett

Warren Buffett is perpetually one of the richest people in the world and almost universally considered to be the greatest stock picker the world has ever known.

While you might not ever be worth $50 billion, you can certainly learn a thing or two from “The Oracle” and greatly increase your wealth over the long-term.

Though Mr. Buffet has never officially written down his process for evaluating and choosing stocks, there is a lot that can be learned from his letters to his shareholders.

These rules are in line with those shareholder letters:

1. Rule #1: Don't lose money. Warren's basic philosophy is to purchase a stock for less than it's worth and then let the rest of the world finally figure it out, too. This is commonly referred to as value investing and has been the corner stone of his philosophy from the very beginning.

  • In fact, the rest of the rules are really rules to find these companies.

2. The company must have strong profitability. Buffet prefers companies that are already profitable as opposed to companies that are likely to someday become profitable. There are several measures he utilizes to determine this. Some of these include Return on Equity (ROE), Return on Invested Capital (ROIC), and the profit margins.

  • ROE – While no one knows for sure, the general consensus is that he wants to see an ROE of 15% or more.
  • Profit Margins – In this case, we're talking about dividing net income by net sales. Obviously, the higher the better.

3. The company must have low debt. Too much debt is bad for everyone, including companies. In case you thought we skipped ROIC above, we're getting back to it now. Sometimes a company will appear to have a high ROE, but the number is actually artificially inflated. This can happen when the company is using debt to pay its bills. This is where ROIC comes into play.

  • ROIC removes debt from the calculation by adding it back to the shareholder equity prior to completing the ROE calculation. You can simply divide the company's total liabilities by the shareholder equity. The higher the ratio is, the more a company is using debt to grow the company. Be careful.
  • Companies with a lot of debt can be harmed when either interest rates rise or credit becomes harder to acquire.

4. The company must have competent management. Buffett has always placed a lot of emphasis on a company's management team. He favors intelligent, humble management that doesn't simply follow the crowd. He has stated that his company simply allocates capital; it does not provide management.

  • He has traditionally stayed out of influencing a company's management, but he insists that good management be present. Ensure the companies you invest in are being run by a competent management team.

5. Buffet refuses to invest in a business that he doesn't understand. You will find that the businesses in which he invests are relatively simple. He largely avoids the technology companies, because as he has stated, he doesn't really understand that type of business. Only invest in what you are capable of understanding.

6. Be patient. It seems like Buffett has held some stocks since before the dawn of time. He has held many stocks for 5 years or more before the stock ever rose even 1%. Value investing takes time; you're going to have to be patient to see the returns. Don't be in a rush.

While we can't all be Warren Buffett, we can certainly follow his basic principles and improve our own investing results. Focus on under priced companies with a history of profitability, little debt, and a competent management team. And remember to be patient!

If you can do these things consistently, you'll be surprised at the amount of wealth you can gain!

Uncategorized Editor Sun, 09 Dec 2018 11:50:42 -0500
Mid-Cap Stocks for Beginners

Mid-cap stocks are categorized as those companies with a market capitalization between $2 billion and $10 billion. Usually, they're well-established companies somewhere between the slower growing large-caps and the rapidly growing small-caps. Recently, mid-cap stocks have done better than both the large-cap and small-cap competition with very little added risk.

We're going to examine the principal characteristics of mid-cap stocks as well as how to analyze them and why you should strongly consider these often ignored investments for your portfolio.

Why They Should be Part of Your Portfolio

The better historical performance isn’t the only reason you might want to consider mid-caps as part of your portfolio. Several additional characteristics are valuable as well:

  • The majority of mid-caps are simply small-caps that grew bigger over time. Additional growth will give them the opportunity to eventually become large-cap businesses.
  • Part of expanding is the ability to obtain additional financing to support that growth. This is much more difficult for small-cap companies to do.
  • The principal advantage over large-caps relates to earnings growth. Mid-cap companies haven't yet reached the stage where earnings diminish and dividends have become a significant part of a stock's total return.
  • Maybe the most overlooked reason for investing money in mid-caps is that they get less analyst coverage than the large-caps. Many of the greatest performing stocks have been ignored businesses that suddenly became popular, generating the institutional purchasers that are essential to push their price higher.

In the end, investing in mid-caps makes sense because they provide investors the best of both worlds: small-cap growth along with large-cap stability.


One of the great things about mid-cap stocks is that the businesses are generally profitable and have been for quite awhile.

Consider these advantages:

  • Mid-cap companies usually have experienced management teams.
  • On the average, a mid-cap's earnings tend to grow at a quicker rate than the average small-cap and accomplish this with less volatility and risk.
  • Along with earnings growth, the mid-cap company is in a good position to maintain their earnings for the foreseeable future. That's what ultimately turns a mid-cap into a large-cap.
  • Clues that suggest a corporation's earnings are headed in the right direction include growing gross and operating margins in combination with lower inventories and accounts receivable. Turning inventory and receivables faster usually leads to greater cash flow and increased profits.

All of these features also help reduce risk. Mid-caps tend to have these attributes more frequently than small or large-caps.


Revenue and earnings growth are two of the most important factors to long-term returns.

Recently, mid-cap stocks have done better than both large-cap and small-cap stocks due to their higher growth in both revenue and earnings. It's likely that the ability of mid-caps to respond faster than large-caps, and their greater financial stability compared to small-caps, are their greatest advantages.

When researching a mid-cap firm, look into the quality of their revenue growth:

  • When gross margins, operating margins, and revenues are all increasing, it's an excellent indicator that the company is developing greater economies of scale, resulting in higher shareholder profits.
  • Another great indicator of healthy revenue growth is when lowered total debt improves cash flow.

Consider adding mid-cap stocks to your portfolio. There's a lot to like about them. The great opportunities for both profitability and growth, along with the relatively low risk, can make them an excellent addition. Do some research and find a couple of good mid-caps; you'll be glad you did.

Uncategorized Editor Mon, 19 Nov 2018 11:46:00 -0500
The New Investor’s Essential Guide to Leverage

Most brokers give you the possibility to use leverage to increase potential returns. Using leverage is a risky way to invest, but it can be a good strategy if you have a solid position.

There are a few things to be aware of before using leverage, and it’s best to wait until you have experience with investing before you consider using this option.

What is Leverage?

Leverage is using your broker’s capital to make a larger investment than you would be able to with your own money. So you’re leveraging your money.

For example, maybe you have $10,000 to invest. Using leverage would enable you to make a larger investment, perhaps $30,000. So you would control 3 times the shares, commodities, real estate, or other product with your $10,000 than you could before.

If the investment makes a profit, a larger investment in that item will bring you greater profits than what you would have made with your own money. On the other side of the coin, though, is the possibility of losing more than you would have if you had only used your own money.

Typically, brokers require you to keep a percentage of the amount you borrowed in your account. Your broker gets the rest of his money back, plus interest, from the investment’s profits.

Why Should You Use Leverage?

The main advantage of using leverage is to boost your potential profit. You can only earn so much with an investment with a 5% yield if you invest your own money, but using leverage means you can invest a lot more and the 5% yield turns into a more profit.

Leverage also allows you to gain exposure to investments that would require you to tie up an unsafe portion of your capital. This is especially useful with products such as futures contracts where a large initial investment is usually needed and the potential profits make using leverage worth it.

Are There Any Downsides?

The downside of using leverage is that your broker requires you to always keep a certain percentage of what you borrowed in your trading account. This is not an issue as long as your investment performs well.

However, market fluctuations make using leverage risky, since more money could be needed to purchase the futures contract you were interested in.

If this happens, your broker will place a margin call and require you to deposit more money in your account to cover the minimum percentage you are required to keep in your account. This means a dramatic shift in the market you invested in could become very costly.

How Can You Avoid Taking Risks When Using Leverage?

There are a few things you can do to avoid losing money when using leverage:

  1. Wait until you have more experience with investing and trading before relying on leverage. There is little room for mistakes since margin calls can be very costly.
  1. Use leverage on relatively safe investments. If too many factors are unknown, or if you don’t have good reason to believe an investment is safe, you’ll probably fail to generate the kind of profits you were expecting, even with leverage.
  1. Establish a detailed strategy. Ideally, you should have an exit strategy that allows you to limit losses in case you get close to a margin call. Meeting a margin call is usually a sign that you have made a mistake.
  1. Go over the terms and conditions your broker requires you to follow when using leverage. You’ll learn more about margin calls and the minimum amount you’re required to keep in your trading account.

In the end, using leverage can lead to higher yields as long as you invest carefully and select the right investment products.

However, using leverage can have disastrous consequences if things do not go as planned. This is why it’s crucial to have a detailed strategy going in and to properly assess the risks you are taking. These precautions can help you make the most from leverage.

Uncategorized Editor Thu, 08 Nov 2018 11:39:06 -0500
Buying a Home: The Escrow Process Explained

If you’ve recently had your offer on a house accepted by the seller, you must be ready and waiting to move in! If you're on the other end of the transaction, you want your money! You’re also likely to be wondering, “What is escrow and why does it take so long?”

Escrow may be the last hurdle in buying or selling real estate, but it's a hurdle that can take a while. Let's discuss what escrow really is and what needs to happen for everything to go smoothly.

The Purpose of Escrow

The escrow company simply acts as an impartial third party. They ensure that everything that must be done has been done before the property and the funds are swapped. So, they hold the money and the property and then transfer them to the proper parties when all the requirements have been met.

For example, they would hold any earnest monies. How could you be sure the seller wasn’t going to cash your check and then refuse to sell you the house?

The escrow company handles the money and the required documentation.

Steps in the Escrow Process

  1. Your lender will have the home appraised, as it is part of their process to approve your home loan. It also serves as a second opinion regarding the fairness of the selling price. They’re making sure that the amount of the loan isn’t greater than the value of the home. The bank is always concerned about the collateral on the mortgage.

  2. Hopefully, you already have your financing secured, but it’s not uncommon for the lender to have additional requirements that must be met before they’ll provide the funds. Usually the underwriter working for the lender makes these requests.
  • The escrow company helps to ensure that these additional requirements are met before the closing takes place.

  1. Various Inspections. A home inspection, termite / pest inspection, hazard inspection, and more are normally required before the bank will approve the loan. The bank doesn't want to make a loan until it’s fully aware of the condition of the property.
  • The home inspection will look at the electrical system, plumbing, structure, roof, and general condition of the property. It will also assess any necessary repairs. Pest inspections look for termite damage and any other type of infestation that would reduce the value of the property or require extermination.
  • The bank’s primary concern with these inspections is that they’ll be able to get their money back out of the property should the buyer fail to make the mortgage payments.
  1. Title Search. Do the sellers even own the house? Are the property taxes paid up? Are there any other liens against the property? A title search will make sure there are no clouds on the title.
  • Basically, the title search ensures that there are no creditors with any claims against the home and that the seller actually has the right to sell the house. It also looks for any other people that might have an ownership claim on the property.
  • For example, can the husband sell the house without the wife’s agreement? Are there any uncles, cousins, business partners, or anyone else that has a claim to the home?
  • Title insurance is also part of the closing process. This means the insurance issuer will deal with any title problems that may have been missed during the title search.
  1. Your lender will require home insurance. Obviously, they want to know that they will be paid if the house is destroyed.

While this list is not inclusive, it covers the basics of the escrow process. It varies from state to state. Your escrow company, lender, real estate attorney, and real estate agent are all very familiar with the process. Don't be afraid to ask any questions you may have so you can help expedite the process where necessary and move into your new home as soon as possible.

Uncategorized Editor Thu, 11 Oct 2018 11:35:01 -0400
Investing In Bank Guarantee (BG) or SBLC - Choose The Best One There are many businessmen who invest in various bank instruments like bank guarantees or Standby Letter of Credit and they get a lot of benefits with these types of bank instruments. However, there are so many people or businessmen who still have no idea about investing in a bank instruments like BG OR SBLC.

Lets us first understand what does SBLC and Bank Guarantee Used For?

What is SBLC?

Standby Letter of Credit or SBLC is a guarantee of payment which is also called as a documentary letter of credit issued by a bank on behalf of a client if he/she fail to fulfill a contractual commitment with a third party in accordance with the terms and conditions of the letter of credit. The SBLC is known to be the savior for people who fall into great disaster. Unless the situation is highly critical, no one normally uses an SBLC. This is the reason why it is called the payment of last resort.

An SBLC can help you stay away from bankruptcy and can be a great mean of trust. Holding an SBLC helps you in terms of business in both national and international platform as it means that you have a good financial history with the bank and bank trusts you. This trust helps you strengthen your business to a great level.

What is a Bank Guarantee or BG?

Bank guarantee (BG) are products of credit to ensure the successful completion of the commitments they have made their customers to future international exchanges (as a debtor or a buyer) that if anything happens due to which you are unable to pay them the money, the bank will affect payment in default of obligation against submittal of written demand in the guarantee. With bank guarantee, you can improve your business ventures by opting for financial services from reliable banking institutions.

You can also increase your profits and make businesses more successful.

However in both the cases you must make sure that you know all the terms and conditions and understand each and every needs of the investment. Investing the wrong way will only put you in trouble.

Now the question is that whether investing in SBLC or Bank Guarantee actually serves any purpose?

Investing in SBLC or BG really depends on the SBLC and BG providers who give you various opportunities to invest in these instruments. That means the most important thing you need to do is find a legitimate provider who would help you with the same.

Uncategorized Editor Tue, 04 Sep 2018 11:29:43 -0400
Investment Lessons Learned From Warren Buffet

Most people try to invest and make money but they often end up suffering losses as they make the same mistakes over and over again. Wannabe investors should try to learn and emulate the mind sets of rich people such as Bill Gates, Mark Zuckerberg, Michael Dell and Warren Buffet. Let us focus on Warren Buffet, who has been described as the best investor on the planet. These are some of the investment tips he sticks to:

1. Developer your investment mindset

Not all people are business oriented but we can improve our business minds by reading business related books. Warren Buffet invests a lot of his time studying business-related books.

2. Practicing patience in your investments

Whenever Buffett buys a stock, he buys into the company. This means he doesn't sell the stock at every market boom or bust. He believes in the companies that he invests in for the long term and holds on to stocks until he longer believes or sees value in these companies. One of Buffett's celebrated quotes, which illustrates his inclination for long-haul investments is, "Regardless of how awesome the ability or endeavors, a few things simply require significant investment. You can't create a child in one month by getting nine ladies pregnant."

3. Prioritize value

Sometimes, the amount we spend on something and the value we get from our purchase don't relate. Buffett believes that investors need to understand that markets are driven by supply and demand and that buying into a company with solid growth during market down-turns are great opportunities to gain value. Buy a good stock at a great price.

4. Check your emotions when investing

Human emotions influence the market considerably more than any monetary model. Emotions can make people hopeful for something that has never happened or rarely occur. Buffett has recommended that controlling your emotions is considerably more imperative than your IQ. According to him, "Accomplishment in investing doesn't associate with IQ. What you require is the demeanor to control the urges that cause other individuals harm in investing".

5. Invest in what you are knowledgeable and passionate about

Buffett exhorts that you "never put resources into a business you don't get." Don't put money into companies whose business you don't understand.

If you don't have adequate information about a company, it is much more difficult to understand how a company will perform in the long run and foresee what the company will become a couple of years down the line.

6. Live below your means

Despite a net worth of $87 billion dollars, Buffett lives in a shockingly unassuming home. He purchased his current home in Omaha, Nebraska for $31,500 in 1958 and, today, he calls it the 3rd best investment he's ever made. Rather than wasting money to live lavishly, Buffett lives frugally and has reaped the benefits.

7. Save first then spend the rest

People tend to pay bills first, spend the rest, and save for last. According to Buffett, this is the wrong approach. Buffet prescribes that you should put aside a set amount of money each month as savings first, then pay your bills, then spend whatever is left over after paying bills.

8. Remember your roots

When he was in middle school, Buffett found a job as a paperboy delivering The Washington Post. He expanded that early activity into a deep-rooted association with the daily paper. Years later, his company, Berkshire Hathaway, became The Washington Posts' biggest investor. Remember where you came from, your values, and you may discover unique opportunities for great investments.

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Uncategorized Editor Sat, 11 Aug 2018 11:26:21 -0400
More Advice for New Real Estate Investors

What advice would you give to a new investor?

1. Find a coach/mentor in your area to whom you can turn for guidance. Most importantly with anyone you turn to, make sure they are successfully doing what you want to do and talk with others they've helped before you make a commitment of your time and/or money.

Real estate investing is not a solo business. You need attorneys, CPAs (knowledgeable in real estate investing), contractors, sub-contractors, real estate agents, title companies, closing attorneys, inspectors, appraisers, on and on. Find someone who's walked through the mine field before you and can give you a hand to save you both time and money.

Should you pay them for their time? Absolutely. If they're willing to share with you what they've learned over years of their own time and efforts, they've paid for their skills one way or another and what you will gain from them is worth paying for. If they're not worth paying, they're not worth following.

And don't reach out to only your peers; reach out to those in a better position than you. Jim Rohn said, "you are the average of the top 5 people you hang around with." If you want to get better in any area, find someone to follow who is doing way better than you are.

2. Get involved with a peer group that knows more than you. Go to all the meetings you can. For real estate investors, that typically means local REIA meetings (real estate investor association meetings which you can find on Also check out and any local landlord association meetings. Landlords are already doing the business and can be a great source of information as well as potential buyers and sellers to work with.

3. Set goals. Make a plan. How many houses do you want to buy in the next 12 months? How much do you want to be worth in 5 years? As you write out your goals, include strategies for accomplishing them. Want to buy 10 houses in the next 12 months? Break that into pieces to figure out what you need to do every month to make those goals a reality.

4. Buy real estate. If you haven't started yet, start! If you're buying, buy more. If you don't, 10 years will have passed and you'll be kicking yourself for not buying all you could today. The way to truly learn is by doing. Books and seminars are great, but you won't know what you know and what you don't know until you jump in and start buying for yourself.

It's a worn out cliché that "there's never been a better time to buy real estate", but it's true. I believe it's always true. Sure, you have to adjust your methods and your strategies depending upon the economy and where you invest, but everyone works, shops, and lives somewhere. If you don't own it, someone else will.

Get an education, hook up with a mentor, make a plan and buy real estate.

What can you add?

My name is Karen Rittenhouse and I've been investing in real estate full time since 2004. We currently buy about 60 houses per year, 80 percent of which we wholesale. Our current goal is to use that income to pay off all of our hold properties.

Please check out my blog -

I also coach and train anyone interested learning about investing in real estate.


Uncategorized Editor Mon, 23 Jul 2018 11:17:22 -0400
Know the Different Times of the Day to Make Profits

Did you know that the tendencies that occur in U.S. stocks can be broken down into sequential order for a "usual" trading day? While reviewing this information, remember that the times listed are approximations, which means you can't expect to see a pullback/reversal each day at the exact same time. What you will see is that the pullbacks are common near the times listed.

Each of the times listed here are present in Eastern Standard time, with opening taking place at 9:30 AM and the close being at 4 PM.

The tendencies are also based on the index movement, which is actually an average of several stocks and there may be slight differences in some cases.

9:30 AM 
Opening time/bell is also when there is a push in a certain direction. The price may also begin to whipsaw to and from a few times, but in most cases, one direction is going to prevail.

If you don't see too much movement in the initial 15 minutes, it may be a slow day overall. The initial hour is the most volatile time.

9:45 AM 
The dominate direction that the price moved in is usually the initial test. There's either going to be a noticeable pullback or a complete reversal of the trend.

10 AM to 10:30 AM 
This is another time when the "gut check" for the trend is going to come into play. This is when another major correction against the existing trend is going to occur. It can be a full reversal or a pullback. You can look at the context of the actual price moves to determine what to do.

11:15 AM to 11:30 AM 
The London stock market will close at 11:30 AM ET. Between this time the European traders are getting out of their positions, which is when a new low or high is created or tested. These are usually the last significant moves prior to the price settling down over lunch.

1:30 PM to 2 PM 
This is when the trends are most likely to be reasserted. Watch out for a breakout during this time.

2 PM to 2:45 PM 
There isn't too much to watch but you should be wary. It is getting closer to the end of the day, with many people shuffling for their positions.

3 PM to 3:30 PM 
The trend may swiftly change during this time. In many cases, the period is a "shakeout" when individuals may begin to try and reassert themselves. In some cases, you can make money, but don't count on it.

3:55 PM to 4 PM 
Unless you have a certain strategy in place for trading in the last few minutes of the day, then you should finish up three to five minutes prior to closing. The US markets are going to have a closing auction and everything is done in a single transaction, which occurs at 4 PM.

As you can see, by knowing how stock prices usually behave at different times of the day, you will have a competitive advantage over those traders that don't. This knowledge can lead to more profitable trades and to success in you trading.

Next... Claim your free copy of the Understanding The Myths Of Market Trends And Patterns E-Book now! With your free eBook you will also subscribe to the FOREXTraders.Blog where we share this and many other trading strategies absolutely free


Uncategorized Editor Thu, 14 Jun 2018 11:14:57 -0400
Practical Tips on How to Trade Cryptocurrencies

For some time now, I have been closely observing the performance of cryptocurrencies to get a feel of where the market is headed. The routine my elementary school teacher taught me-where you wake up, pray, brush your teeth and take your breakfast has shifted a little to waking up, praying and then hitting the web (starting with coinmarketcap) just to know which crypto assets are in the red.

The beginning of 2018 wasn't a lovely one for altcoins and relatable assets. Their performance was crippled by the frequent opinions from bankers that the crypto bubble was about to burst. Nevertheless, ardent cryptocurrency followers are still "HODLing" on and truth be told, they are reaping big.

Recently, Bitcoin retraced to almost $5000; Bitcoin Cash came close to $500 while Ethereum found peace at $300. Virtually every coin got hit-apart from newcomers that were still in excitement stage. As of this writing, Bitcoin is back on track and its selling at $8900. Many other cryptos have doubled since the upward trend started and the market cap is resting at $400 billion from the recent crest of $250 billion.

If you are slowly warming up to cryptocurrencies and wish to become a successful trader, the tips below will help you out.

Practical tips on how to trade cryptocurrencies

• Start modestly

You've already heard that cryptocurrency prices are skyrocketing. You've also probably received the news that this upward trend may not last long. Some naysayers, mostly esteemed bankers and economists usually go ahead to term them as get-rich-quick schemes with no stable foundation.

Such news can make you invest in a hurry and fail to apply moderation. A little analysis of the market trends and cause-worthy currencies to invest in can guarantee you good returns. Whatever you do, do not invest all your hard-earned money into these assets.

• Understand how exchanges work

Recently, I saw a friend of mine post a Facebook feed about one of his friends who went on to trade on an exchange he had zero ideas on how it runs. This is a dangerous move. Always review the site you intend to use before signing up, or at least before you start trading. If they provide a dummy account to play around with, then take that opportunity to learn how the dashboard looks.

• Don't insist on trading everything

There are over 1400 cryptocurrencies to trade, but it's impossible to deal with all of them. Spreading your portfolio to a huge number of cryptos than you can effectively manage will minimize your profits. Just select a few of them, read more about them, and how to get their trade signals.

• Stay sober

Cryptocurrencies are volatile. This is both their bane and boon. As a trader, you have to understand that wild price swings are unavoidable. Uncertainty over when to make a move makes one an ineffective trader. Leverage hard data and other research methods to be sure when to execute a trade.

Successful traders belong to various online forums where cryptocurrency discussions regarding market trends and signals are discussed. Sure, your knowledge may be sufficient, but you need to rely on other traders for more relevant data.

• Diversify meaningfully

Virtually everyone will tell you to expand your portfolio, but no one will remind you to deal with currencies with real-world uses. There are a few crappy coins that you can deal with for quick bucks, but the best cryptos to deal with are those that solve existing problems. Coins with real-world uses tend to be less volatile.

Don't diversify too early or too late. And before you make a move to buy any crypto-asset, ensure you know its market cap, price changes, and daily trading volumes. Keeping a healthy portfolio is the way to reaping big from these digital assets.

Do you have a website that needs investing or technology content? Struggling to get a writer that understands your needs? Get in touch with me via Twitter or LinkedIn and I'll help you out!



Uncategorized Editor Sat, 05 May 2018 11:07:05 -0400
An Unbiased Opinion on Technical Analysis and Fundamental Analysis

I took an interest in the stock market awhile back and have always seen much controversy over TA and FA. I personally have used FA in the past and have found decent success with it, I haven't been returning 30% every year like Peter Lynch but I have made decent money over the years. I use FA, but because there has been so much controversy over TA I have looked into it, and even used it in market simulators in the past. I'm going to share with you guys what I have found using both of these methods trying to avoid biases towards either one.

Explaining Both Methods

Technical analysis uses chart patterns and indicators that try to predict the direction a stock might be heading in the future. TA is usually a swing trading 2-8 days) or short-term trade (2-6 weeks). TA also assumes supply and demand, liquidity or volatility, and a somewhat valued price. Fundamental Analysis tries to predict the direction of a stock based on financial statistics of the company. These are usually long-term trades or investments.

Do They Both Work

Yes I believe both methods work. Financial statistics of a company are very closely related to the price of a stock. When a company produces good earnings and revenues the price of the stock will go up. Momentum does exist in the stock market making patterns and indicators that read momentum an accurate way to predict short-term price movement.

Which is Better

FA is better for bigger accounts and risk avoiders. TA is better for smaller accounts and risk takers. The reason for this is because TA is a quicker more riskier way to make money while FA is a slower less riskier way to make money. This is due to the volatility of stocks in TA. Big accounts under high risk will probably make the owner shit his pants even if they are making good money at the moment. Small accounts under high risk isn't too bad cause it won't be the death of you if you lose everything, especially if you're pumping brass. Under thriving markets like the one we are in right now TA is probably a better choice because it is less likely you will have losing trades and volatility of stocks in TA makes for big wining trades. Under average or poor markets FA is a better choice because volatility in TA makes for big losses in losing trades while losses in FA will likely follow the market.

Arguments Against

Many people argue that there are not many if any successful technical analysts that the average joe has ever heard of while there are billionaires that use FA like Warren Buffet. I do not believe that this is automatic proof that it does not work or have significant value. Like I said earlier TA trades in liquid and volatile stocks, these stocks are usually very small meaning you can't put that much money into them without changing the price dramatically. This makes it very hard for wealthy people to use TA and produce and exponential return. Even if someone used TA and was very successful, once they get up into 10-20 million range they will likely move over to fundamental analysis where there are many more stocks to choose from due to the redundant need for volatility. Another reason a successful technical analysts probably won't be known to everyone is because they use systems. A TA system is system the someone can make that will use TA indicators and tell you exactly when to enter and exit a trade based on those indicators. Once these systems are made they are so straight forward many people have programs and robots that trade for them using the system. Now, if somebody created a system that straight up printed money they probably wouldn't want anyone getting their hands on it because it would be so easy to use anyone could do it. Too many people using the same system will bring down the effectiveness of it, so good technical analysts are probably very secretive about their work.

Why do People Say One or The Other Does Not Work

People who say one or the other does not work either have not tried the other or have but did not do it correctly. I have seen many articles saying TA does not work or FA does not work but they don't even know what it is or how people trade using it.


FA and TA both work and as long as you understand the concept you be successful with either one.

  • FA is better for wealthier people with bigger accounts.
  • TA is better for smaller accounts.
  • TA will work very poorly under bad markets.
Uncategorized Editor Fri, 06 Apr 2018 11:03:58 -0400
How to Use Automated Stock Trading to Win in the Market

The traditional method of trading and investing in the stock market is quickly being replaced. Technology offers advanced approaches to helping you win in the market. If you want to reduce risk from a highly volatile market, then you can use automated stock trading to change the outcome. There are several available technology tools, all which allow you to find more opportunities with the trades and investments you are interested in making.

The first step to automated stock trading is to know the qualities of the best software. You will find that several of the trading tools are based on basic equations that automate real time statistics. Others will automatically respond to stop - losses or your decisions to buy or sell. While these may work for some instances, it doesn't offer the freedom of choice. It also limits your capacity to find complete solutions with how to move in the market.

Another approach you can consider with automated stock trading is by looking at tools which assist with analysis. For instance, many traders and investors are now able to use automated tools for complex analytics, such as oscillators, to Bollinger Bands. If you have used these in the past and want a simple way to trade and invest in the market, then this will help with the tools you are interested in. Identifying the approaches with automated tools allows you to see exactly how the market is moving.

There are also advanced tools that identify your next moves in the market. Automated stock trading is now extending to systems which apply algorithms and formulas for your trades and investments. For instance, fractals look at the patterns and statistical data by using technology. It is then able to alert you and predict moves in the market before they happen. These tools create new solutions that sense how the market is moving, creating an extra analytical tool for your trades and investments.

By using automated stock trading, you can extend the possibilities of moving in the market. Despite many popular beliefs, using this approach does not allow a robot or technology to take over. Instead, the technology analyzes information and alerts you when there are changes in the market. With these opportunities, you will easily be able to find the best solutions for trading and investing in the market. With automated stock trading, you can change how you move in the market. The different tools are designed to provide you with basic insights as well as leading indications in the market.

Stephen has several years of experience in the stock market. He has used automated stock trading to create profitability of thousands of dollars. He now teaches others how to move in the market by using the best trading systems


Uncategorized Editor Sun, 11 Mar 2018 11:01:59 -0400
The British Tradition of Maundy Money

Maundy Money are coins traditionally given out by the Monarch as a gift to the poor at Royal Maundy. The ceremony, which is associated with Christianity, is held on Maundy Thursday which is the day before Good Friday. The Maundy set consists of four coins, denominated one penny, two pence, three pence and four pence. The number of sets given out to each man and woman is equivalent to the age of the Monarch in years.


Royal Maundy probably dates back to the 13th Century. Maundy derives from mandatum which Jesus said meaning 'that ye love one another'. It was the act of washing the feet of the poor and giving food and clothing to the poor. The Royal Families of the middle ages copied the ceremony as a way of showing humility.

By 1699 the Monarch opted to send a representative rather than attend themselves, and not long after the act of washing feet was abandoned. By the 19th century the Royals thought that giving money was more convenient than food and clothes and originally gave coins of the day but later gave specially made silver coins.

It was not until 1931 that King George V restarted the tradition that the Monarch attended in person. Queen Elizabeth almost always attends and has only missed a few ceremonies. The ceremony was traditionally in or near London (mainly Westminster Abbey) but in recent years has moved around the country at various Cathedrals such as Leicester, Sheffield, Manchester, York Minster and Armagh.

The coins used to be given to the poor but these days are given to people nominated for their work done in the local Church. So on (say) the Queen's 90th birthday, she would give 90 sets to selected men and 90 sets to selected women. The coins would be issued in a leather purse; a white one contains the Maundy coins, and a red purse containing current coinage as an additional gift.

The Maundy Coins

The four coins are specially made: one penny, two pence, three pence and four pence. They are not the same coins as in circulation and are quite small (between 11.1 mm and 17.6 mm).

Since decimalisation these have been upgraded by law from penny to new penny. They are made from Stirling silver (92.5% silver) and although specifically made for this ceremony they are still legal tender. The design is virtually unchanged from 1822.

The reverse, which is a crowned numeral within an oak wreath, was created by Jean Baptiste Merlen back in 1822 and has only been altered slightly since then.

The obverse shows the head of the monarch as you would expect. However, if you look at the Queen Elizabeth obverse you can see that the portrait is the original portrait used from when she first issued coins; although the Queen has had about five portraits the original (by Mary Gillick) is still used.

Even back in Victorian days the recipients of Maundy money soon sold their sets for a premium, especially around the time of the Jubilee when Americans prized the souvenir. The purses could also fetch a handsome amount.

Besides the sets given out by the Monarch, many other sets are minted for official gifts and for collectors. These are issued in a case rather than a purse. Many were given to Mint workers or other officials. Maundy sets could be ordered from the bank until 1908, when 9,929 were minted in that year. Dealers scrambled for sets and sold them at high profit. This eventually got a little out of hand and the Mint cut back production heavily. In recent years the mintage numbers have been around 1600-1900 sets.

Les Kendall is a professional software developer but writes about coin collecting at

Uncategorized Editor Mon, 05 Feb 2018 05:29:29 -0500