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    Learn about the roth ira and how you can invest it

     

    : A Roth IRA is another type of Individual Retirement Account (IRA). With a Roth IRA contributions to the account are not tax deductible, but “qualified” withdrawals from the account are not taxable either. A “qualified” distribution from a Roth IRA is a withdrawal made after the taxpayer attains age 59 Ѕ. Also a Roth IRA is qualified if it is made to a beneficiary after the taxpayer’s death, made because the tax payer is disabled, or made by a first-time homebuyer to acquire their original residence. Distributions from a Roth IRA can be made after the owner reaches 70 Ѕ. Currently with a Roth IRA there is an income ceiling where you can’t invest in a Roth IRA if your single and your adjusted gross income is higher than $95,000, or $150,000. The amount you can contribute to a Roth IRA reaches zero for incomes of $110,000 for single people and $160,000 for those who are married. There are proposals to remove the ceiling. A new popular trend with a Roth IRA is to take the funds out and invest them into real estate, businesses, tax liens, and more. An IRA called a self directed IRA is created, and an LLC (Limited Liability Company) or a C-Corporation is formed. Once it is setup the funds are available in a checking account and are ready to invest. Turning an IRA into a self directed IRA is a difficult process and websites like ira123.com make this process much simpler by providing solutions so people can quickly get a self directed IRA setup.

         
    Learn to be wisely frugal but selectively extravagant

     

    Have you ever wondered why so many solid businessman drive cruddy, old cars from a dingy, run down offices to their palatial homes in the suburbs? Warren Buffet, perhaps the greatest investor alive is known for this. The reason they live this life style is not because they are cheap misers but because they have a high level of financial intelligence that you can develop as well. They understand that if they have $90,000.00 that they could either put that money into 1. reducing their debt 2. invest it into the stock market 3. selective home improvements 4. improve the appearance of their business facilities (I am assuming that this doesn’t have an appreciable impact on their profitability and believe me it almost never does despite excuse mangers make to blow money) 5. buy a new Mercedes Benz for themselves 6. buy their children a new car. The first two choices increase your net worth (equity) which is always a good thing and equity is not taxed. The third choice increases your enjoyment (utility) of your home. If you remodel your kitchen or bath appropriately you may also increase your equity. So if you have spare cash in excess of your debts and a solid investment, savings plan than this can be a good choice as well. The fourth and fifth choices are TOTAL wastes of money because your business sits there for you to suck money out of and nothing else. A car loses a quarter of its value the moment it is driven off of the lot and then continues its downward slide to nothing. Depreciating assets are not investments they are financially undesirable necessities if you can’t walk everywhere you need to go. An automobile is a financially undesirable necessity, nothing more, nothing, less. The very last choice is the worst possible use of your money. Not only do you waste your money but you also teach and reinforce financial mismanagement in the minds of your offspring. Your children learn that they do not have to work for anything they want. Worse still they will mentally assign a value to the automobile relative to the amount of effort it took for them to acquire it and that is zero. In Steven Silbiger’s book “The Jewish Phenomenon” he describes in other ways why this concept of being prudently frugal yet selectively extravagant is a major key to the extraordinary wealth of the Jewish ethnicity. He shows clearly how Jewish families use this wisdom to convert their income into lasting wealth. Don’t forget that this wisdom is not restricted to Jews and in fact is the underlying lying cause of financial stability in high income families of low income ethnicity. The most enduring wealth of course is a debt free life style with adequate passive income and the knowledge to recoup it all if lost.

         
    Less risk with foreign bonds

     

    Foreign bond funds are ideal for investors seeking income and diversification. Foreign bond funds, as their name suggests, invest in bonds that pay their interest and principal in a currency other your home currency. Foreign government and corporations issue these bonds. A foreign bond receives interest and generates income for investors, just like a domestic bond. It will fluctuate in value - declining when interest rates go up, and increasing when interest rate go down. Foreign bonds will also increase and decrease in value when their currency changes relative to your home currency. Investors should consider foreign bonds as an excellent investment alternative. Why are foreign bond funds worth considering? They offer excellent diversification and return potential. 1. Foreign bonds funds are poorly correlated with other investment categories. Thus, foreign bonds make a great addition to a portfolio; they ill reduce the risk and provide opportunities to adjust your investment mix between bonds and equities. 2. Foreign bond funds are unique because they have the ability to invest throughout the world. To find bonds with higher returns investors should consider foreign bonds, which do offer higher returns than their domestic counterparts. 3. Changes in currency can boost returns. Since foreign bond funds invest in bonds of other countries, they will in turn invest in other currencies. This risk and opportunity is higher for foreign bonds because a larger portion of the bond's return is derived from changes in currency. A good foreign bond manager will add value in the fund by capitalizing on both currency and bond opportunities.

         
    Lifestyle tricks to limiting your trading time

     

    I have traveled around the USA teaching thousands of students how to trade with a lifestyle and one of the tricks I use are 3 x 5 cards. I have watched students respond with such excitement that they actually have confidence again and feel in control of their trades. The cards fit in a pocket, wallet or purse and are easy to access. My problem, let's say I am rushing to catch a plane and I can't log onto my computer, is that if my alarm goes off and I don't have my brain in writing in front of me on a 3 x 5 card…then my real brain freezes and I do nothing. This NOTHING is usually a bad decision. The 3 x 5 cards have literally changed and enhanced not only my trading big time, but also hundreds of students now use this success method for time freedom and making better decisions. I love using my ETA software to keep track of my practice portfolio and my real portfolios. I would be lost without it. This program makes practice trading so easy, practically forces you through closing the trade. A lot of inexperienced traders don't practice trade, because they do not see the value of it. I still practice trade everyday. The reason being, is that you can't trade everything you want all the time. So I practice what I want to trade and then when I come out of a deal and have cash to trade again I know exactly what I want to do because I know the heartbeat of the deal. In addition, as a retired accountant, I use to charge my clients $15 for the form trades get reported on to the IRS and then $5 per trade. That can amount to thousands of dollars a year for tax return fees if you are an active trader …so the ETA software does the work for you and you can print out the schedule at the end of the year and attach it to your tax return as schedule 1 and save a ton of tax preparation fees. Anyway, back to using 3 x 5 cards to use as a back up for trading, these cards allow me to go on about my day doing anything I want. I can run to the store, go to my kids school, workout or just have fun not thinking about the market. That is what I mean when I say LIFESTYLE TRADING. Nothing could be worse than watching the market so close you have another job! Most students I have taught want their life back, not one more intense time stealer. So with these cards you get to EAT YOUR CAKE AND HAVE IT! Yes, I said it correct, anyone can have a cake and eat. You get to profit in the market on very limited time. What I do is I take the blank side of a 3 x 5 card and: 1. Write on the top 1/4 of it the details of the trade and underline it 2. On the next 1/4 I write the reason for the trade and underline that 3. Then I divide the bottom of the card in two with a vertical line and On the left side I draw support and resistance lines with $ amounts 4. On the right side I put the cost of my option (or stock) in the middle left and circle it. Then I draw a line up and a line down. 5. If I expect the stock to go down to make money (buy put, sell call, etc…) I will use the up arrow for the stock price I need to exit at a cost (pull the plug) and also a price of the option where I don't want to risk any more. 6. If I expect the stock to go up to make money I write this information on the down arrow - trying to make the direction of the arrows flow with the trade. 7. Then I go to the remaining arrow and write the stock price my goal is and the price of my option goal 8. At this point I then go to my REAL TIME MARKET (see below for info) and set the alarms on all of these so that it comes to my cell phone and my computer. At this point, get on with more important things in your life and let the trade rest of the trade come to you! It is such an incredible freeing up of time, and we all need that. I have edited in my three cards from the trades I did today so you can see exactly what I mean with my real trades. On the back of the card I keep notes, perhaps if you are in the trade a few days you could log how the option price is going at $X stock price or what was going on in the market. If an alarm goes off, my first step is to ask question before I make a move: 1. What is the market the stock follows doing? 2. What is the stock doing? If you expect the stock to go down, you bought puts, and your upper alarm goes off that the trade is going wrong, I will not pull the plug if it is just kissing the resistance goodbye, so I will reset the alarms. However, if good news comes out, and the market and stock are raging upwards on high volume the party is over and I jump out immediately. I hope you try this out, because it WORKS! By Darlene Nelson with Better Trades

         
    Loans for the unemployed people your true friends

     

    : Has unemployment left you completely puzzled? Do you want some financial help for managing your present financial circumstances? Do you know that you can also avail loans? Yes, the benediction of the loans for the unemployed people is available for all. With these loans, you can avail money in spite of your unemployment status. The loans for the unemployed people come in two forms; secured and unsecuredSecured loans for the unemployed people claim a security, while the unsecured option needs no collateral against the amount. Needless to say, the availability of these two options has equally empowered both tenants and homeowners to avail this financial assistance. You can apply for the loans for unemployed people for various reasons. Various personal requirements like medical, education etc. are the most common. Besides, many a time, borrowers plan to purchase vehicles, repair homes with this financial help. In addition, these loans can also be taken to alleviate debt burden. Various factors are there which decide the interest rate of these loans. If you go for the secured option, your interest rate will be obviously low, as the amount is secured on the collateral. On the other hand, the unsecured option often comes with a higher interest rate, as there is no security against the borrowed amount. Interest rate also varies from lenders to lenders. So, it is always a better option to do a little bit comparison before finalizing a deal. Of late, the loan for the unemployed people are coming online. Undoubtedly, online is a better option, as it is less time consuming, secure and fast. This option is free from extra paperwork. Borrowers can apply for loans simply by submitting an easy application form. And as far as collecting various loan quotes are concerned, online facility also makes the job easier for all borrowers. Lastly, it comes to the availability of loans for bad credit borrowers. Yes, borrowers with poor credit can also opt for this financial assistance during their unemployment phase. So, no matter whether you have CCJ, IVA, arrear, default or bankruptcy, it won’t create any obstacle in your loan lending process.

         
    Mactan serviced apartments travelers to cebu philippines

     

    Beth Collingz, International Marketing Director of PLC Global an internet based sales and marketing company and lead marketing partners with Pacific Concord Properties, Inc., for the Lancaster Brand of Condotels in the Philippines, recently announced the company has acquired, by purchase, additional units in its Lancaster Cebu Condotel adding another 75M pesos to its project inventory and expansion program. This brings the number of properties held in the development to 75 suites with another 120 units to be added before year end for Condo Hotel rental operations. Property is all about LOCATION said Collingz. Mactan, Cebu, provides one with both the laid back pace of provincial living, as well as prerequisites of the urban dweller. Schools, hospitals, restaurants, shopping malls, and leisure are all found on the island itself. Lancaster Cebu Resort Residences, located a mere 3 minutes from Mactan-Cebu International Airport, provides you with easy access to all the essentials of urban living. This ideal location will complement the Condotel operation since Lancaster Cebu will function as a condominium hotel – a preferred accommodation choice of businessmen and holiday travelers alike. Clients can either purchase Condotel Suites for investment purposes or lease the units on weekly, monthly or yearly basis. We currently have Fully Furnished Executive Studio Suite and Two-Bedroom Suites available at Lancaster Cebu Resort Residences at Pre-Increase Prices that will be “Ready For Occupancy from December 2007”… at the current price said Collingz. For the soft launch, LHLPI has prepared special promotional room rates aimed at budget travelers. Guests can check-in to any of the executive studio suites for as low as $35 a night or to any of the two-bedroom loft rooms at $65 a night plus 13% government Tax whilst longer term discounted rates for monthly and yearly lease rentals are also available said Collingz. Lancaster Cebu also offers Studio Suites for sale. Collingz said Fully Furnished Studio Suites are pirced at - Pph-2,753,924.06] and may be purchased with initial Reservation Fee - Pph-100,000.00 Balance Payable without interest over 24 consecutive equal monthly payments of - Pph-110,580.17 [Tax Inclusive whilst the Executive 2 Bedroom Suite, Fully Furnished Suite is priced at Philippine Pesos: - Pph-5,467,004.14. Whilst some renovation works are still ongoing within the complex, unit rentals are now available to guests at 'Special Promo Rates'. Cebu City is the acknowledged gateway and Queen City of the South. Cebu is the most important trading and commercial hub outside of Metro Manila. Mactan Cebu International Airport assures the arrival of a steady stream of international flights from Amsterdam, Frankfurt, Singapore, Hong Kong, Tokyo, Kota Kinabalu, Seoul and Qatar. There are also chartered flights from Incheon, Taipei, Kansai, Nagoya and Kiaoshung that arrive on a weekly basis. Cebu is identified by Asiaweek and Conde Nast Traveller as one of Asia’s Best Cities. Beth Collingz PLC International Marketing Networks

         
    Make profit from land investment

     

    As a private investor, you’ll know that it’s almost impossible to guarantee a return, no matter how alluring the investment looks. It’s always important to assess the risk you may be taking with your money before you commit to investing it. Land investment is no different from any other savings vehicle. Many people have seen excellent returns on their investment, and land prices in key areas continue to increase; particularly where the need for housing is greatest and land for development is at a premium. So, can you make money from land? Here’s why land could be a good investment for you: Housing shortage – in the UK, there is still a housing shortage with, on average, only half the new homes needed being built each year. As demand continues to exceed supply in this area, developers will seek new sites and the planning authorities may grant permission on a wider range of sites in order to re-balance the housing scales. This creates a great opportunity for those who wish to invest in land. Property prices – of the new homes being built, fewer of them are falling into the “affordable” price bracket. This means that developers are realising higher profits for their projects and can afford to make higher bids for land for future development. Lifestyle – although rural and suburban land will also rise in value, there is still money to be made in central land locations. Where urban land can be regenerated, it is often turned into multi-function developments; apartments with shopping, eating and recreational activities all within the same site. There is a huge appeal to this type of lifestyle and these developments are still profitable. Economy – land doesn’t have to be earmarked for residential development in order to make a profit. Out-of-town shopping centres, business parks and leisure complexes are still big business and whilst spending is high and these developments increase job opportunities in the area, they are also likely to make money for the landowners. As always, profits can’t be guaranteed. If you buy land that’s denied planning permission, you’re unlikely to make the returns that are possible when planning is approved, and that’s a risk you must assess before you commit your money.

         
    Making money in forex

     

    The only way to keep up with the latest about Forex is to constantly stay on the lookout for new information. If you read everything you find about Forex, it won't take long for you to become an influential authority. Whether you’re a futures broker, mortgage broker, banker or stock picker, FOREX trading is an essential part of a person's portfolio. The FOREX market is risky, volatile and yes, an extremely lucrative market. Data shows that 90% to 95% of FOREX traders lose money in there first year of trading. So, you ask, why should the FOREX even be considered a part of a well rounded portfolio? Honestly, because trading the FOREX has the potential to make anyone thousands of dollars a month. Only until recently has the average person been allowed to trade in the FOREX market. Now, even a mini account can be opened and with little as $300 and off you go. One caveat however, if trading the FOREX market were easy, then everybody would become millionaires trading it and this just isn’t the case. FOREX trading requires vigilant market analysis and in general there are two approaches to this analysis. The first is known as using fundamentals. Fundamentals rely on government reports such as, trade deficits, changing interest rates, CPI numbers, retail sales and supplies of raw material. FOREX traders will make a projection for upcoming data and place trades based on their speculations of that data, trade floor rumors and breaking international news events. Those of you not familiar with the latest on Forex now have at least a basic understanding. But there's more to come. Another type of FOREX trader is what is known as, a technical trader. FOREX technical traders rely on charts and mathematical formulas to place their trades. Their belief is that history and price direction repeats itself. Based upon these historical patterns traders can and do use them to predict price movement in the future. The information about Forex presented here will do one of two things: either it will reinforce what you know about Forex or it will teach you something new. Both are good outcomes. There is no proven, fool proof method to trading. Some people claim to have found, "the answer", to currency trading. However, my experience shows it may be best not to try and reinvent the wheel. Learn with a time tested system. Follow a simple, reproducible and proven money making plan. Then from it develop your own style or basic method of trading. Decide when the best time to trade is, develop a good money management system and set goals. A lot of experienced FOREX traders trade when the London and New York markets overlap, between the hours of 8:00 am EST and 12:00pm EST. They trade during these hours because the market moves around a lot and becomes extremely volatile. The result is, most long surviving FOREX traders have learned how to become extremely good at money management. One key to success in trading any market is to keep your emotions in check and thus lower your anxiety level. A true FOREX trader will discipline themselves to stick to their trading style regardless of what happens in the markets. You must plan a trade and then trade the plan. People too often feel after a few short months of trading successfully in a demo account they are ready for the real thing. Take your time and really learn how the FOREX market works as your long term success is at risk. When word gets around about your command of Forex facts, others who need to know about Forex will start to actively seek you out. More information can be found at 1shoppingcart/app/?af=355108 and futurestradingsite . Those who only know one or two facts about Forex can be confused by misleading information. The best way to help those who are misled is to gently correct them with the truths you're learning here.

         
    Making money on the trends with better trades

     

    Dear Traders and Friends: I have been having a blast trading this last week. I made $7,300 on KKD, $1,700 on FRX, $2,000 on QQQQ and am doing well in my open trade entering FRX to the downside. I am putting a day of my commentary here for you to see the value of using THE DEDICATED TRADER website as a trading tool. One thing I learned, when I decided to trade in the stock market, is how important it is to learn from someone that is actually walking the walk and trading. Let me clarify that even more, making money in the market! I have been shocked to find out how many people out there that are big name authors in the stock market that do not trade or have a negative trading record. What I mean is the rumor is they are no good at trading! I do what I teach! I am one of very few stock market authors who not only talks the talk, but I walk the walk. I place my trades on my daily commentary for you to learn from. And this has been very valuable for my readers. In addition to my commentary, I have a mentorship program called TRADERS TALK, where you can pay to spend four hours a week in a private Webshop with me. We go over any trades or whatever you want to learn, including my trades. It is very powerful, and I have been able to watch people go from a beginner level to about three years experience in just a few sessions. Here is my commentary for Friday, June 6th: Market Notes - Friday, June 06, 2003: COMPLETION OF QQQQ TRADE: 3PM EST I closed my QQQQ trade from a few hours ago using a GTC I set about 1/2 hour ago to just take 50 cents. I was filled for $2.95 on my 40 contracts listed below for a profit of $2,000 before commissions. Not bad for a Friday. My other trades are going well - RED, RED, RED...I love the downside. TRADES: 12:00 EST 1. I purchased 15 contracts of FRX puts. August $60 puts $5.90 FHATL. I will stop out if it breaks the high of today at $55.90 if it does not head back down right away. I will then trail it down to around $52 to profit. 2. I just purchased 40 contracts of the July $33 QQQQ puts for $2.45 QAVSG. I will stop out with an alarm if it breaks the high of today at $31.47 and does not turn back down right away. It gapped up today on Intel's good earnings report but is getting weak as I type. I usually do front or next month out on the QQQQ. I will trail it down for profits. Good MORNING & Happy FRIDAY! The markets are looking very green at the market open, and my trades for today are all down ones (that is if the markets were down). Perhaps in a few minutes we will get a reversal????? I doubt it! Anyway here were my candidates if the market was down: DOW: AA AXP DD XOM NASDAQ: CMVT INTU JNPR MOLX NXTL SANM SPOT I had no up trades. We seem to be in the middle of a trend for most stocks, and we are in a very sweet uptrend. That is about all for today. If I do place a trade I will put the comments above this section later today. So even though this message is short, it is a powerful one...BE CAREFUL WHO YOU LISTEN AND LEARN FROM! The stock market is very powerful. If you learn how to trade, and do not short change yourself by trying to trade without necessary tools, you can have TIME & MONEY FREEDOM beyond your wildest dreams. I would love to help you! Last, I just want to mention my trade on the QQQQ’s. It is one of my favorite things to trade. It is an EXCHANGE TRADED FUND that actually owns all of the NASDAQ 100 stocks in it. MSFT is the heaviest weight so I do watch what MSFT is doing for a direction. It obviously follows the NASDAQ market. But as you can see by my trade listed above, I was able to buy 40 contracts at $2.45 a share for a cost of $9,800 and my delta was .71. The stock only moved about 77 cents to take a profit of 50 cents – making me $2,000 in about two hours. SWEET! What I love about the QQQQ’s is that they have strike prices every one dollar! That means the July 33 calls I got when the stock was at $31.30 were only $2.45 with a delta of .71. That is incredible. You see, I could spend $5 - $8 per share on regular stocks to try and get that high of a delta, but it is so cheap on the QQQQ! A lot of people miss the boat, thinking the QQQQ does not move enough to make it worth trading! What a mistake! I love trading this, and it only needs small moves to profit – but your investment is so small compared to trading stocks. If you had only done 10 contracts that would have been a $500 gain from $2,450 before commission which is 20%! In a few hours 20% is phenomenal!! All you need to do is pretend the QQQQ are a stock. Look at support and resistance the same way you do already, and choose a strike price with a delta of .70 or higher for a short term trade and trade it up on support and down on resistance. I will be doing a course on this soon. I will probably offer a free one hour class on my site to introduce you to it. I think you can see why I am so excited about it, and I hope you might catch the fever. I teach a two day class twice a month, check it out on my site! I will be in Atlanta on June 19 -20th…come see why students say I was their miracle they needed to become a better trader! Happy Trading! Darlene Nelson with Better Trades

         
    Making sure your daytrading plan works

     

    : In our article "Define your Goals and Make a Plan" you learned: How to define your financial and trading goals. How to select the right market for your trading goals. What timeframe you should trade in. The difference between trading styles and how to find the right one for you. How to create a basic daytrading plan. Now that you defined your goals and created your daytrading plan, you need to make sure it really works. Thus far everything might look great, but how can you be sure that the day trading system works when you start trading it with real money? Evaluating a trading system is easier than you think. Below you'll find 10 Principles of Successful Day Trading Systems that we developed and refined over the last couple of years. You should use these Power Principles to evaluate your trading system, whether you developed it on your own or think about purchasing one. By checking a system against these principles you can dramatically increase the chances of being successful. Here we go: Principle #1: Few rules - easy to understand It may surprise you that the best daytrading systems have less than 10 rules. The more rules you have, the more likely you "curve-fitted" your trading system to the past, and such an over-optimized system is very unlikely to produce profits in real markets. It's important that your rules are easy to understand and execute. The markets can behave very wild and move fast, and you won't have the time to calculate complicated formulas in order to make a trading decision. Think about successful floor traders: The only tool they use is a calculator, and they make thousands of dollars every day. Principle #2: Trade electronic and liquid markets I strongly recommend that you trade electronic markets because commissions are lower and you receive instant fills. You need to know as fast as possible if your order was filled and at what price, because based on this information you plan your exit. You should never place an exit order before you know that your entry order is filled. When you trade open outcry markets (non-electronic) you might have to wait a while before you receive your fill. By that time, the market might have already turned and your profitable trade has turned into a loss! When trading electronic markets you receive your fills in less than one second and can immediately place your exit orders. Trading liquid markets you can avoid slippage, which will save you hundreds or even thousands of dollars. Principle #3: Realistic expectations Losses are part of our business. A trading system that doesn't have losses is "too good to be true". Recently I ran into a trading system with a whopping winning percentage of 91% and a drawdown of less than $500. WOW! When looking at the details it turned out that the daytrading system was only tested on 87 trades and - of course - curve fitted.

    If you run across trading systems with numbers too good to be true, then it's probably exactly THAT: Too good to be true. Usually you can expect the following from a robust trading system: · A winning percentage of 60-80% · A profit factor of 1.3 - 2.5 · A maximum drawdown of 10-20% of the yearly profit. Use these numbers as a rough guideline, and you will easily identify curve fitted systems. Principle #4: Maintain a healthy balance between risk and reward Let me give you an example: If you go to a casino and bet everything you have on "red", then you have a 49% chance of doubling your money and a 51% chance of losing everything. The same applies to trading: You can make a lot of money if you are risking a lot, but then risk of ruin is very high. You need to find a healthy balance between risk and reward. Let's say you define "ruin" as losing 20% of your account, and you define "success" as making 20% profits. Having a trading system with past performance results let you calculate the "risk of ruin" and "chance of success". Your risk of ruin should be always less than 5%, and your chance of success should be 5-10 times higher, e. g. if your risk of ruin is 4%, then your chance of success should be 40% or higher. Principle #5: Find a system that produces at least five trades per week The higher the trading frequency, the smaller is the chances of having a losing month. If you have a trading system that has a winning percentage of 70%, but only produces 1 trade per month, then 1 loser is enough to have a losing month. In this example, you could have several losing months in a row before you finally start making profits. In the meantime, how do you pay for your bills? If your trading system produces five trades per week, then you have on average 20 trades per month. Having a winning percentage of 70% - your chances of a winning month are extremely high. And that's the goal of all traders: Having as many winning months as possible! Principle #6: Start small - grow big Your daytrading system should allow you to start small and grow big. A good trading system allows you to start with one or two contracts, and then increases your position as your trading account grows. This is in contrast to many "martingale" trading systems that require increasing position sizes when you are in a losing streak. You probably heard about this strategy: Double your contracts every time you lose, and one winner will win back all the money you previously lost. It's not unusual to have 4-5 losing trades in a row, and this would already require to trade 16 contracts after just 4 losses! Trading the e-mini S&P you would then need an account size of at least $63,200, just to meet the margin requirement. That's why martingale systems don't work. Principle #7: Automate your trading Emotions and human errors are the most common mistakes that traders make. By all means you have to avoid these mistakes. Especially during fast markets, it is crucial that you determine the entry and exit points fast and accurately; otherwise, you might miss a trade or find yourself in a losing position. Therefore you should automate your trading and look for a trading system that either already is or can be automated. Automating your trading makes it free of human emotion. The buy and sell operations are all automatic, hands-free, with no manual interventions and you can be sure that you make profits when you should according to your plan. Principle #8: Have a high percentage of winning trades Your daytrading strategy should produce more than 50% winners. There's no doubt that daytrading systems with smaller winning percentages can be profitable, too, but the psychological pressure is enormous. Taking 7 losers out of 10 trades and not doubting the system takes great discipline, and many traders can't stand the pressure. After the sixth loser they start "improving" the system or stop trading it completely. Especially for beginners it is a big help to gain confidence in your trading and your system if you have a high winning percentage of more than 65%. Principle #9: Look for a trading system that is tested on at least 200 trades The more trades you use in your back testing (without curve-fitting), the higher the probabilities that your day trading system will succeed in the future. Look at the following table: Number of Trades 50 100 200 300 500 Margin of Error 14% 10% 7% 6% 4% The more trades you have in your back testing, the smaller the margin of error, and the higher the probability of producing profits in the future. Principle #10: Chose a valid back testing period I recently saw the following ad: "Since 1994 I've taught thousands of traders worldwide a Simple and Reliable E-Mini trading methodology". That's very interesting, because the e-mini S&P was introduced in September 1997, and the e-mini NASDAQ in June 1999, therefore, none of these contracts existed before 1997. What kind of e-mini trading did this vendor teach from 1994-1997??? The same applies to your back testing: If you developed an e-mini S&P trading strategy, then you should back test it only for the past 3-4 years, because even though the contract has existed since 1997, there was practically nobody trading it (see chart below): As you can see, it's rather easy to find a trading system that works. By applying this checklist you will easily identify trading systems that work and those that will never make it. Author’s name Markus Heitkoetter Author's Info: Markus Heitkoetter is a 19 year veteran of the markets and the CEO of Rockwell Trading. For more free information and tips and trick how to make consistent profits with online trading, visit his website rockwelltrading.

         
    Making yourself smart investments

     

    There is a harsh fact about reality. The good job that you have may not last your entire life or career. The stability of the job may change and the particulars about it may change it to one that is completely undesirable. You must think ahead and plan on making your money work for you. No matter how much you have, you must plan on saving at least three months salary for a rainy day. Additionally you must set aside a proportion of your salary to invest now in well performing businesses on the stock exchange, as well as through available mutual funds which have a superior performance and you should consider investing in real estate. Particularly you should consider real estate that you can fix up for rental properties. Stock investment on the internet in one such new technological avenue. Stock brokers have understood long before the public the great advantage that the speed of the internet gave them in financial matters. They offer to the public the advantage of internet sales and buying of company stocks and mutual funds. At least seven years ago the stock market utilized proprietary computers, intranets, wide area networks (WANS) to manage and predict the public sales and purchases of commodities, stocks, and bonds. The market place is a very competitive place. The government and the stock market board exist to provide a fair market where no one person or block of investors have a larger influence than any other. Prior to the internet and the 21st century only large blocks of investors or extremely wealthy ones could purchase stocks and commodities as an investment. This is because they were limited to how small or large a package of stock could be sold. When banks or other groups of investors, retired math teachers, became involved then investment packages could be subdivided smaller. Hence more people could afford to invest their surplus cash into more risky but profitable ventures. The invention of the telegraph allowed the transfer of information at the speed of light. After this the invention of the Teletype maintained the technological edge into most of the 20th century. when the age of the personal computer arrived then financier Mr. Bloomberg advanced both the electronic management of stock but provided the pioneer work to facilitate the inclusion of the internet into the confines of Wall Street. You can acquire attractive properties which require very little in the way of repair. Some only need cleaning and painting to become profitable rentals. Today in Tulsa, Oklahoma there is a vast excess of available homes which have become available. These are offered by banks, mortgage investment firms, and real estate agencies. On the other hand the reason why these are available should be mentioned. The city of Tulsa has been through a devastating financial depression which began shortly after major internet companies and communications groups went bankrupt. This led to the loss of over 75,000 technical jobs and over $250,000,000 in lost revenues from income and sales taxes. These jobs have not be replaced but have been out sourced to off shore resources. I remember walking several miles along the edge of several housing divisions which were marked by the rarity of an occupied house. Most were marked by the "For Sale" signs and tall unmown grass. There are some real bargains here in Tulsa for those with good salaried jobs! These can become a smart investment for you which has stability and that can increase in profitability over the years.

         
    Managed forex accounts eur usd outlook 2008 1 3

     

    The US dollar was the big story in 2007 — if you were selling itpared to 2001, the value of the dollar has gone down by 40 percent against the euro. And values at the beginning compared to the ending of 2007 were significantly down: the dollar was down about 13 percent versus the euro, 10 percent versus the yen, and 8.5 percent versus the pound sterling. Its value was at such a record low that supermodels and popular rappers made public their preference for getting paid in Euro, no dollars, please. The US dollar did stop skidding towards the end of 2007, but the question now becomes: has the dollar bottomed out or will the slide continue in 2008? Why the Dollar Weakened in 2007 The dollar seemed so weak in 2007 because the rest of the global economy continued to grow even as US growth stalled, due in part to steady demand from the Middle East, China and India markets. Countries acted more independently, as illustrated by the Australian central bank’s decision to increase rates to stave off inflation at precisely the time the US Federal Reserve was cutting interest rates. Before December in fact, interest rate cuts happened only in the US. In short, some sort of decoupling occurred in the global economy, and this was a key factor to the strengthening of the other currencies and the weakening of the US dollar. There are signs, as we begin 2008, that the phenomenon will no longer obtain this year and the global economy will again move more closely in step. In the latter half of 2007, economic growth in the UK and Canada slowed down indicating that the two countries were being weighed down by the weak US economy. In addition, the shock waves of the US subprime mortgage crisis have also shaken the financial markets of many countries, particularly the UK, where growth in the past years has depended on housing, mortgages, and the public sector. There are also signs of strain in the Eurozone, notwithstanding the ECB’s hawkish position on monetary policy. The pressure to reduce rates will increase if growth continues to weaken further in the US or in other countries. The pressure already forced the UK Bank of England to cut rates in December and more cuts are forecast for 2008. Interest rate cuts will be the thing to watch in the currency market. The US Fed has already lowered interest rates 100bp in 2006 and another reduction will be more in line with expectations; but if the Eurozone begins to lower rates, this would be a significant departure from current policy, which could signal a major change in the outlook for the euro. Where US Economy Is Going The big question is whether or not the US economy is going into a recession, which would seriously impact global growth. Majority of the American public thinks the economy is already in recession, according to polls released in December. Public perceptions notwithstanding, economists think otherwise. A Business Week survey on 54 economists in December showed that the group believes the country will reflect a 2.1 percent growth by the end of 2008 (it registered 2.6 percent growth in 2007). They believe that although the first half of 2008 will be difficult, consumer spending will not stop, albeit more restrained. Fundamentally, the forecast of no recession rests on the assumption that the Federal Reserve will continue its round of rate cuts. Although financial losses in the subprime sector will continue, consumer confidence will depend largely on the Federal Reserves actions to support economic recovery.

         
    Managed forex accounts eur usd outlook 2008 2 3

     

    What Rate Cuts Can Be Expected The US Fed has not exactly been forthcoming in its rate cuts; rather, it lowered rates very reluctantly in 2007. It has given only what the currency markets have already priced in. The basic reason for their hesitation is the desire to contain inflation ? the very same concern that weighs heavily on all other central banks in the world. The Fed wants to make certain inflation remains under control. Doing that has been more difficult because of the high energy prices coupled with the weaker dollar. Thankfully, indications of energy prices reaching $100 per barrel are no longer in circulation. The market expects the Fed to further ease interest rates another 25 to 50bp lower; however, this is not the only option. They may want to further explore their other options, including the Term Auction Facility they introduced in December. But these options, including a cut in the discount rate, are limited especially since LIBOR rates have remained at high levels. Even as late as December, Treasuries posted one-day increases that were the highest seen in the last three years. Who Else Might Make A Play In the final two months of 2007, the crumbling markets were shored up by massive investments from sovereign funds. Temasek Holdings, owned by Singapore, invested $4.4 billion in Merrill Lynch; state-owned Abu Dhabi Investment Authority plowed $7.5 billion into Citigroup; and, China Investment Corporation invested $5 billion in Morgan Stanley. Sovereign wealth funds have been in existence since the mid-twentieth century. From an estimated $500 billion total size in 1990, these funds are now thought to be worth $3 trillion. The states of Norway, Singapore, the U. A.E., Saudi Arabia, Kuwait and China have between them an estimated $2 trillion available for immediate spending. Given eight more years, these funds may have total capital of $12 trillion, continuously built up from their natural resources and foreign exchange reserves. Investments from sovereign wealth funds have ? and probably will continue ? to be significant factors in helping the US financial markets recover. How the 2008 US Presidential Elections May Affect Financial Markets The historical trend shows more bullishness for the US dollar when Republicans gain leadership than Democrats. Whether this trend will hold depends on how close the 2008 elections will turn out. The Stock Traders Almanac makes the general observation that election years show modestly positive growth in the US stock market. In the last five decades, election years have shown a 9.2% average gain in the Dow Jones index.

         
    Managed forex accounts eur usd outlook 2008 3 3

     

    What the Eurozone Outlook May Be The performance of the EUR/USD is heavily influenced by economic prospects in the Eurozone. Part of the reason the EUR/USD rose to its all-time high of 1.4968 was while the US Federal Reserve lowered rates by 100bp, the ECB raised its rates by 50bp. It was feared throughout 2007 that the strong euro would adversely impact the Eurozone economy. On the contrary, growth was buoyant, as Germany’s exports increased and boosted its trade surplus. Demand within the Eurozone was resilient and emerging markets spurred growth. Taking a cue from the lessons of 2004, when EUR/USD reached 1.36, Eurozone corporations were able to manage their foreign exchange risk much better in 2007 by increasing local production to minimise the effects of a weak US dollar. Going forward into 2008, growth is finally starting to slow down. Business confidence in Germany slid to its lowest level in two years amid fears that higher interest, tightening credit, and rising inflation could adversely impact the economy. Both the European Commission and the ECB believe that 2008 growth will be less than initial estimates. The ECB has stopped making public statements about the Eurozone being immune to infection from the US business cycle; recent injections of liquidity into the financial system now prove otherwise. The last statistics on consumer spending and other indices for 2007 all showed lower numbers than the previous month. If the ECB does not lower interest rates in the following months, there could be a serious economic slowdown for the year. What the Chances of an ECB Rate Hike Are The year ended with the ECB President reminding financial markets that the ECB will be unrelenting in its program to control inflation and its effects, and they will not be pressured into following the US and UK interest rate cuts. Because of the ECB’s heavy focus on price stability, the market was alarmed when the bank’s 2 percent inflation target was breached in the second semester of 2007. But since the last ECB rate increase in June, they have not made good on their repeated threats to hike rates further. On the contrary, their actions seem to favour a more liberal monetary policy. When LIBOR (for 3-month Euro and 1-month sterling) rates hit record highs in December and did not come down, the ECB infused $500 billion in liquidity into the banking system. It helped to bring down LIBOR rates, but questions remain as to how long they will stay low. Given these considerations, while a rate increase is possible, it is not really that probable. The prognosis is that rates may be cut first before they are raised again, subject to inflation pressure (such as oil at $100 a barrel). But if inflation remains steady or slows, the ECB is more likely to cut rates. Summing Up As in the past year, interest rates will be the main driver of movements in the currency markets. There is the chance of the US economy and the dollar recovering in the second semester, but that will depend on further interest rate cuts by the US Federal Reserve and the European Central Bank. A mere shift in ECB monetary pronouncements from hawkish to more neutral tones may be enough to stimulate US dollar recovery in the second half. There are signs of re-coupling in the global economy but it may take until the second/third quarter before this becomes more manifest. For the short term, traders might want to consider that January is usually a good month for the dollar. The currency markets will really begin to shift (as everyone involved in it is hoping) when the dismal news stops and the cheerful news starts coming. Former US Federal Reserve Chairman Alan Greenspan said in an interview banks should not prolong the agony: it is better to take all their losses now and let the market bottom out so that the economy can start to recover. Short-Term Technical Outlook: Top Up before Downturn The expectation in the last quarter was there would be a rally to 1.4580 followed by a top and a subsequent reversal. Looking at the technical data, there may be good reason to look at 1.4309 as the most likely terminus on the wave iv (part of the 5-wave rally that began at 1.3261) of the larger sequence of 3 waves. The wave v of 3 may just burst through 1.4967 over the next four to six weeks. It is reasonable to target the 1.5364 level — the 61.8 percent follow-through extension from i to iii. There is enough data to support the bullish bias over the short term, as extremes in a bearish sentiment for Euro and a bullish sentiment for USD have been detected. It is possible this rally could continue through towards 1.6000 in keeping with the tendency of currencies to exhibit extensions on the 5th wave and to follow through with a blow-off top. The formation of the pattern is the key aspect in determining when a turn is about to occur (in a rally or a decline). It is important to follow the current pattern.

         
    Managed funds growing your wealth without the headaches

     

    : Managed funds are an easy way to invest wisely and with low risk. Investment in a fixed term deposit – especially with a fund that invests in real estate – is an easy way to grow to your wealth. Apart from being a great way to have your money managed by investment professionals, managed funds also simplify the process of building and maintaining an investment portfolio. Instead of tracking a wide range of individual investments, your fund will keep track for you, and the progress of your investment is expressed in one simple unit price. A Bit Here and a Bit There With any investment strategy diversification is important to minimise risk. The resources available to financial institutions are usually greater than those of the individual investor, therefore diversification is much easier as part of a managed fund than it would be if you had to raise the capital for a truly diverse – and therefore more secure – investment yourself. As an example, if you have $100,000 to invest and you choose to buy real estate, your $100,000 might buy you a small unit that you could rent out. Then your entire financial future hangs on the performance of this one investment. If houses in that area depreciate due to changes in the locale, or you have trouble finding or keeping tenants, or you find out three weeks too late that there are serious structural problems, your financial future is in jeopardy. By comparison, a managed fund that invests in mortgages has the capital to speculate on a wide range of properties in diverse suburbs, with differing land values, various land uses (residential, commercial etc), and a much lower dependence on the performance of any single investment property. Your future no longer hinges on one little unit because it’s merely a part of a much larger portfolio than you could invest in on your own. Choosing a Managed Fund When you’re choosing a managed fund it’s always tempting to just go with the one that offers the best term deposit rate. However, experience dictates that it’s wiser to conduct some deeper research before committing yourself to a fund. Here are some issues to consider: The decision-makers: What qualifications do the Directors of the fund have? How closely are they involved in the day-to-day running and major investment decisions of the fund? Any managed fund that you invest in should be run by industry professionals – accountants, brokers, people with backgrounds in banking and finance; if you’re investing in a managed fund that invests heavily in property, the decision-making team should include someone with extensive experience in the real estate market. Mortgage funds – choosing properties and quality mortgages: Mortgages are very popular investments for managed funds. As mentioned above, any fund that invests in property should have ready access to advice from a real estate market professional.

    Consider factors such as the diversification of the properties invested in (geographical diversification – are the properties spread throughout a wide range of suburbs and price brackets? And sector diversification – what property types are invested in, spread across residential, commercial, industrial etc); and what percentage of the value of the property the fund will lend (often 70% of the value for first mortgages, and up to 85% of the value of the property for second mortgages). A good way to gauge the viability of a managed mortgage fund is to look at the number of loan write-offs; the number of bad debts incurred (mortgages that the fund has granted that have been defaulted on); and the amount of loans in arrears of principal and interest for over 30 days.

    Also, every property that is invested in should be valued by a qualified valuer – not a real estate ‘market appraisal’ – and, if possible (especially for smaller funds), every proposed property should be inspected by a qualified employee from your fund to double check that everything is as it should be – good quality control can prevent mishaps. Income options: Naturally, it’s your choice how long you wish to invest your money for. When choosing a fund look at factors such as early withdrawal penalties and payment options. Can you have access to the interest earned monthly? Quarterly?

    Annually? Or will you have to wait until the end of your fixed term period before earning any income from your investment? Choose whichever option suits you best. A high rate of return is useless if you envisage needing an income from your investment before the end of the proposed fixed term.

    Environment: Economic trends and possible political changes are some other factors to keep a weather eye out for. If you invest heavily in a fund that in turn invests internationally, you’ll want to know where your money is going and whether the governments and economies in question are stable and likely to stay that way. Some financial advisors suggest that investing 15-20% of your capital overseas is a wise move, and it is – as long as the country/countries in question have a good economic climate and aren’t in the throws of political upheavals. So, now you have a few tips for finding yourself a managed fund that will help to grow your wealth. Once you’ve chosen a fund, or have decided on the sorts of investments that you’d like to be involved with and you’re looking for a fund, there are still some more things to consider before diving in. This is the first instalment of a four-part series of articles to help you cut through some of the financial jargon without getting too much of a headache. The next three instalments will look at investment rates, retirement funds and self-managed superannuation. Hopefully they’ll help put you on the right track to grow your wealth. A final note: This article – and the series of articles to come – is not given as professional financial advice. Your personal circumstances have not been taken into account and financial situations vary the world over. You should seek professional financial advice and read the product disclosure statement for any financial product before making a decision.

         
     
         
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