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    Why having a budget is the first step to getting out of debt

     

    Many people constantly complain about being in debt, but when you ask: do you have a budget, do you know how much you owe, or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse. I am always amazed at this; how can you ever get out of debt if you don’t change your mindset and if you aren’t willing to work hard and make sacrifices? There is no quick fix or cure-all to get out of debt. It takes a long time to get in debt and you will not get out of debt overnight. Many people do not know how to create a budget for themselves and many don’t even know where to start. Luckily, I was taught at an early age how to create a budget for myself. I knew how much money I spent and how much I had left. This skill helped me when I became an adult and got into debt. How did that happen, you say? Well, although I knew how to budget my money I didn’t have a clue about how credit cards worked. I thought it was free money but that is another article. Anyway, the first step to getting out of debt is creating a budget for yourself. The basic premise for creating a budget is to know what you have coming in and what you have going out, in other words, how much money you bring home and how many expenses you have (creditors, loans, utilities, cell phone, day care, dry cleaners, etc.). Make the budget flexible so you have room for unexpected expenses such as house repairs or car repairs. If you don't have an emergency fund or savings to cover these expenses you can readily see in your budget what areas you can reduce expenses to get money to pay for those unexpected expenses. Having a budget makes you responsible and accountable for your finances. Most people don't think about how much money they spend per week or per month but when you see all of your expenses written down on paper it provides an awareness of your spending habits. Once you create your budget you can easily see if you have too many expenses or if your money is not being managed properly. The easiest task to accomplish is determining if you have too many expenses, you simply cut down on your expenses and you will have additional money. To pay down some of your debts, reduce some expenses such as: * bring your lunch to work * cancel your pager cable or cell phone service or get the cheapest plan available * carpool, catch the subway or bus to work * use coupons when buying groceries or shop at wholesale stores like Costco or Sam’s Club * sell unused items at a yard sale or donate to charity. If you are mismanaging your money or spending your money on wants instead of needs that is a little harder to overcome because this takes willpower and discipline. It takes 23 days to develop a habit so you have to practice good spending habits everyday. Each week it will get easier and easier. It also helps to develop financial goals for yourself, such as you want to get out of debt within a specific time period, you want to buy a house, take a vacation, whatever your goals are write them down and give yourself a target date. Don’t get alarmed if you miss your target date for a financial goal because your main focus is changing your spending habits. Remind yourself that you are working toward achieving your goals. It may take some time, but I know you can do it. Being debt-free is worth the hard work and discipline required. Financial freedom is so sweet. Just think how nice it would be to wake up each morning: not worrying about having to pay a creditor, not worrying about creditors calling your house asking for a payment, being able to see yourself in a house or buying investment property or taking a vacation every year. So many things are possible when you are debt-free and live on a budget. I make a decent salary and only have one bill - my mortgage - and I still put myself on a budget every payday. Sometimes people ask me why I worry about money and I say I always like to be prepared because you never know what may happen.

         
    Why go the traditional ira way

     

    There are many ways to save for one's retirement. It is very important to be well informed especially because few employers do offer retirement plans. Even in cases where it is offered corruption and mismanagement abound. It means that individuals have to be proactive in managing their retirement saving. There are two types of Ira; the traditional Ira and the ROTH Ira. By choosing this retirement savings plan you make monthly or yearly contributions into an IRA account. These savings are not taxed until withdrawn. Ira contributions can be held at a bank or brokerage firm and can be invested in any choice of ventures including stocks, certificates of deposit or mutual funds. All earnings and profits will remain untaxed as long as they remain in the account. What are the main reasons for choosing a traditional Ira over the ROTH Ira or any other way of saving for retirement? The main advantage of the traditional Ira is the tax savings offered. Also the tax benefit is applied immediately in the same year of contribution. If a contributor will be at a lower tax bracket upon retirement, then the contributions will be taxed at a lower bracket upon withdrawal. This can lead to substantial savings in taxes. Some of the disadvantages of the traditional Ira include penalties applied for early withdrawals. Contributors have to wait until the age of 70 to withdraw their contributions. If they do not then half of these contributions will be confiscated by the Internal Revenue Service. The opposite of a traditional Ira, the ROTH Ira does not have any penalties on withdrawals but the contributor is taxed as soon as he sets money aside. Another disadvantage of the traditional Ira is that it has a 10% penalty for early withdrawal from age 591/2 . This penalty can be waived for the following reasons a first time home purchase, higher education expenses, medical expenses and payments to IRS among others. Otherwise one can only move money from an Ira by roll over or transfer but only for a limited period 60 days maximum. At the end of the 60 days the contributor has to rollover the money back into the account. This is the only way to keep your money from being taxed. A traditional Ira also has contribution limits based on age, income, presence of employer plan and joint husband-wife contributions, which the Roth Ira does not have. The Roth Ira can allow those with extra income to increase their savings without the constraints of the traditional Ira. If you are in your fifties and think that you have not contributed enough into your Ira then you can always make catch-up contributions so you can save enough for retirement. Financial experts agree that it is never too late to start saving for retirement and advice younger people to start as soon as possible.

         
    Why go for a home mortgage loan

     

    The choice of owning a home is almost a dream come true to most people. But to be short of finance is a hindrance to this dream. Why not get a home mortgage loan to get the house of your choice. How much do you need? Your search for a home mortgage loan should start by looking for a house. It is reasonable to start from this angle for a variety of reasons. The first reason is that if you are able to determine the cost of the home, you will be able to determine what type of home mortgage loan that will meet your needs. Secondly, with a loan at hand, you will be able to make instant payment. This dispels the danger of the money being used for some other purpose. Statistics have proven that most home mortgage loan applicants who have not yet found a home are usually tempted to use part of the money for something else. They end up pay for something lower than what they had anticipated. What are the rates? It is habitual that rates on a home mortgage loan will always fluctuate. Therefore, a case study of the market should be carried out. Get to mortgage experts and jointly carry out a conjecture of what the rates may be the next hour. There may be certain indications which will be used to tell how bendable rates will be. Of course, it may be difficult to come up with these rather than through the services of home mortgage loan experts. Whatever the case, endeavor that your application for home mortgage loan is approved when rates fall and vise versa. What is the tenure of the home mortgage loan? A further imperative concern should be directed to the period of the loan. The period will impact on the amount of payment you will be opened to. A loan taken on a mortgage is usually given for tenure of between fifteen to thirty years. Keep in mind that a loan over a shorter period will mean paying a higher installment alongside a lower interest on the mortgage. A longer loan period will equally mean that you will pay less monthly, but higher rates. You will eventually end up paying more. The ultimate is to look for a plan that will fit into your personal financial program. What is the type of mortgage? There exist fixed as well as variable interest rate mortgages. These types of mortgages also have their impacts on the payment. It may be worthy to go in for a fixed home mortgage loan. This type of mortgage has an unbendable interest rate. The advantage of this is that you are aware of what you have to pay. You are not affected in rates climb. Although you will be paying more when rates go lower, there will be no distress because you had pre-prepared to make a higher payment. If you are still in doubts, do not hesitate to visit the link below for more information as we as the expert in this area could give you good advice.

         
    Why get a platinum mastercard credit card

     

    With all the types of credit cards available in the market today, it is very confusing as to which kind of credit card you should choose. There are the regular credit cards, the gold credit cards and then there are the platinum credit cards. You would also want to choose which credit card payment system is suitable for you. One type of credit card is called MasterCard. A MasterCard credit card is one of best credit cards available in the market today. With rates and rewards that you can greatly benefit from, you would really get attracted to a MasterCard credit card. There are also different kinds of MasterCard credit card that you can choose from. If you frequently use your credit cards to make a purchase, Platinum MasterCard credit card is the perfect choice for you. Platinum MasterCard has advantages over other types of credit cards and can work for your advantage if you have this type of credit card in your wallet. Platinum MasterCard credit card is a very useful tool, inexpensive and can really accommodate your needs as a consumer. One advantage of a Platinum MasterCard is that annual fees are non existent. An annual fee is what a credit card company, like MasterCard, charges you by using the card. In Platinum MasterCard, you don't have to pay a single cent on annual fees. Without an annual fee, you won't feel obligated to use it since you won't be charged for anything that you don't use. This means you can control your spending. MasterCard is one of the most widely accepted cards by merchants all over the world. This means you can use the Platinum MasterCard to pay for purchases anywhere you are in the world that accepts credit cards. If you are a Platinum MasterCard holder, you will qualify for a significantly higher monthly credit limit. This means that when time comes that you need big purchases you can do so with a Platinum MasterCard. Also, with a higher credit limit, you can be sure that this particular card can help you in almost any spending situation. However, in order to be qualified for a Platinum MasterCard, you need to have a considerably good credit rating. Without a good credit rating, you will find it hard to get a Platinum MasterCard or get rejected in your application. It is therefore wise to think of your credit rating first before you apply for a Platinum MasterCard. If you are sure that you have a good credit rating, try applying for a Platinum MasterCard. Once you get approved, you will see all the benefits that you can have with a Platinum MasterCard. So, if you need a credit card with no annual fees, higher credit limits, a very useful card, you can find it all in a Platinum MasterCard. With a Platinum MasterCard, you can be sure that you will have something to turn to in case you need to purchase anything and anywhere in the world. All you need to do is maintain a good credit rating and you will indeed qualify for a Platinum MasterCard. Once you get a Platinum MasterCard, you will see the difference from a regular credit card. So, the next time you are considering getting a new credit card, try to think about Platinum MasterCard. This will work for you and can really give you that extra leverage in spending you need.

         
    Why get a low apr credit card

     

    In most developed countries today, the credit card is used as a prime tool to purchase different items, whether by need or want. Besides, credit cards are far more convenient than carrying real money. From online purchases to paying your monthly utility bills, the credit card is a very convenient tool to purchase different items and to pay bills. Because of the popularity of credit cards today, more and more credit card companies are also cropping up. Credit card companies and issuers compete to get the attention of potential clients in order to get more people to apply for their credit cards. So, if you are planning to apply for a credit card, you will have a lot of choices on credit cards. However, because of the different perks and benefits of the different kinds of credit cards available, you have to consider that it can be quite confusing what kind of credit card you should get. So the next question would be what kind of credit card you should choose. In credit card ads, you will see in bold and large letters that they claim to offer the lowest monthly rates. In fact, some even offer zero interest on their credit cards. However, most offers like this are only promotional and only last for up to a few months. After the promotional period, you will see that the interest rates will go up. This is why you have to take a closer look at what's being offered. When you are shopping for a credit card, you should not be blinded with the different kinds of offers that seem too good to be true. When applying for a credit card, the very first and the most important thing that you should look for is the APR or the annual percentage rate. This particular factor will affect the overall charges that you will get from your monthly bills. You have to remember that the APR will affect all the charges and not just the interest rate charges related to the credit card. Every fee that comes with the card, such as late payments, annual fees, cash advances, and purchases will be affected depending on the APR. The best kind of credit card is a credit card with a low APR. This is why it is important that you should do a little research and comparison when getting a credit card. By doing this, you will be able to know which offers the lowest APR on their credit card. Although this may sound simple enough, the hard part is getting approval for your application. Usually, low APR credit cards can only be found on credit cards that require a high credit score. So, before you even apply for a credit card with a low APR, you need to make sure that you have a good credit score. You also have to remember that you have to ask about the APR. Ask whether it is fixed or is a variable. By doing this, you will know if the credit card APR you apply for will remain for some time. You also have to make it clear that you have to be notified in case the issuer decides to raise the APR. This will avoid unpleasant surprises, such as increased credit card bills. These are the things you have to know when you are applying for a credit card. Always remember that the most important factor about a credit card is the APR. Make sure that you always choose the credit card with a low APR.

         
    Why fund managers get rich managing your money

     

    Ever wondered who paid for all that advertising on those fancy brochures enticing you to invest your money with them. That’s because they want your money! They want those funds to get bigger and better because that’s why fund managers get rich managing your money. For a fund manager it is all about getting your money into their funds. They make commissions which is why fund managers get rich managing your money. They will often let the fund keep growing and raking in the money while investors suffer. That’s why managers get rich managing your money. Fund managers buy more and each time they make a buy they make more money which is why fund managers get rich managing your money. It is also why they encourage you to buy certain funds which is why fund managers get rich managing your money. If you still don’t understand why fund managers get rich managing your money read on. The job of a funds manager covers many ranges. Unlike just a broker who wants to do no more than buy because that’s how they get paid, a funds manager gets earnings from a variety of different ways such as we mentioned earlier. If you aren’t sure that your fund manager is making the grade you should be comparing him or her against others because they are making good money of your portfolio and other portfolios. If it bothers you why fund managers get rich managing your money maybe the time has come to consider being your own fund manager. Did you know that for only a few hours a day for a couple of weeks you can build a nice looking portfolio. What you want to do is build a portfolio that covers the basics and then all you need to do is maintain it. Why fund managers get rich managing your money is pretty straight forward but you don’t have to play into it if you don’t want to. And thanks to the internet and the ability to buy stocks, bond, and mutual funds online there really is no reason to keep your fund manager. No need for those front load fees which is why fund managers get rich managing your money. Now that the mystery of why fund managers get rich managing your money is out in the open don’t you want to put that commission in your own pocket? Copyright © 2007 Joel Teo. All rights reserved. (You may publish this article in its entirety with the following author's information with live links only.)

         
    Why forex trading is so popular

     

    The Forex market is often more appealing to people that like to live on the edge. There is more uncertainty by far and the rewards of knowing when to buy and sell can be immense. For those of you who don’t know, the Forex stands for, Foreign Exchange Market. The Forex deals in all different types of currencies and pits them all against each other. For example: the English pound might be worth more than the American dollar but if there is a natural disaster or a nasty political event, then the pound could drop below the value of the American dollar and thus would make money for the individual who had bought the English pound, when they sell. The people who trade on the Forex market are known as day traders. The reason for this is that the day trader buys at the beginning of the market for that day and then sells off all that he or she had bought by the end of the day. This type of trading is not for the inexperienced. There is potential to make a lot of money on the Forex market, but it takes a person knowledgeable in all the different facets of this slippery exchange to make money. A neophyte to this market can easily be wiped out in a matter of minutes! The Forex market is also a liquid market with currencies exchanging hands moment to moment. Since transactions are handled electronically around the world, it only takes moments for funds to transfer to different accounts. It is easy to make some trades, watching news events in the country of the currency bought, and then sell it all, in order have money in your bank account by dinner time. The Forex market is also open twenty-four hours a day since it encompasses the larger markets all over the world. Theoretically, a trader can work all day and all night. This makes the foreign exchange market very popular since people can trade any time they wish. A person can be trading on the Paris exchange until they close at which time the New York exchange is just opening up for the day. There are five major foreign exchange market around the world. They are New York, London, Frankfurt, Paris, Tokyo, and Zurich. Many people like to invest in the Forex market since there is a lot of leverage available to the day trader. For instance, five thousand dollars can be leveraged to purchase five hundred thousand dollars through margins. What this means is that individual investors can trade with much more money than they actually have. However, one must be careful; it is quite easy to lose the money and thus has to pay much more than is actually in the bank account. The Forex market is a challenging market to understand and can be hazardous to those not experienced in day trading. Nevertheless, for those who are experienced and can see the patterns of the market, it can be thrilling and extremely lucrative.

         
    Why financial investors should know their history

     

    If you want to be successful with your financial investing, it is important to know your history. Studying the stories of past investors can teach you important financial principles. Principles do not change. A principle is a basic truth, law or perception and knowing and understanding the principles of financial investing can save you a lot of stress and help you protect your investments. If you invest your money, odds are good that you know who Steve Forbes is and you also know that he has been publishing a successful financial magazine appropriately titles Forbes. Richard Phalon has been a contributing editor to Forbes since 1980. Before that, he spent his time at the New York Times covering personal finance, Wall Street, urban affairs, and politics. Phalon has authored a book which has been made into an audiobook titled Forbes Greatest Investing Stories which is a great collection of well known investors and how their stories can help with dealing with the turbulent markets of the twenty first century. In this audiobook, Phalon illustrates past investors like Benjamin Graham and T. Rowe Price's experience can relate to the new world of the Internet. These stories demonstrate how you can spot value and profit from the growth of this rewarding new median. Let the time-tested measures of seers like Benjamin Graham and T. Rowe Price, adapted to the world of the Internet, show you how to spot value at a discount and profit from growth at its growth most rewarding. This audiobook is packed with investing lessons, and wisdom that can give you the insight you need to give you the edge with your financial investing. Forbes Greatest Investing Stories also does a great job in showing how the skill and determination of trailblazing women like Hetty Green and Muriel F. Siebert proved that men have no monopoly on what it takes to win on Wall Street. Enjoying and learning from this book as an audiobook is a great way to maximize your time. The audiobooks is 10 hours in length so you know it is full of detail and inspirational stories of these financial trailblazers. Audiobooks are great for multitaskers. You can learn while you work around the house or office, and they make commuting a breeze. If you are ready to listen to this audiobook yourself and learn why you should know your history as a financial investor, the best place to find it is by downloading the audiobooks off of the net.

         
    Why do so many people fail to achieve financial freedom

     

    Recently I stumbled across a movie witch I have not seen in a while. It has been a few years since the movie the “Matrix” hit the big screen. Anyway if you have seen the movie do you remember when Neo,( Keano Reeves), had a hard time in the beginning when he was learning to jump from one building to another? When he was inside the computer, there was no limit to what he could do. But he never truly believed it. Then something happened at witch point he realized his limitations were self inflicted, and when he realized this he was able to break out of his mental handcuffs, and do anything he wanted. At that moment I realized that than truth was stranger than fiction. In today’s world of the computer and the internet, people have almost no limit to what they can do while on their computers. Through experience I have observed that people have limited beliefs. I my self was limited by my beliefs at one time by setting up boundaries in my own mind. These barriers stopped me from any possibility of surpassing the limits of those beliefs, and the same goes for most people I have observed. For example, many people think it is impossible for them to make $ 100,000- $250,000 – or even $1,000,000 a year working from home. Many people dream of working for themselves and fulfill their financial dreams, then the barriers pop up in their minds. People in general think whatever they are making or doing is all they are good for. But the truth of the matter is, you can make whatever amount you want. It’s you’re decision, the only one stopping you is you. Because there are those making those incomes and more. If you believe you can do it you can, but if you believe you can’t you certainly won’t. So instead of rationalizing about what you can’t do to reach you’re goal, think about what you can do to reach you’re goal, think about what you can do to make it happen. Visualize you’re self having financial freedom, picture it in you’re mind. All the power and ability you need is there within you. Believe that you have the capacity and power to attain money making success, and you are half way there. Many people would repeatedly complain that they are sick and tiered of their lives, but continue to do the same thing the same stuff day in and day out. They despite of their complaints continue to throw up those barriers that deprive them of the ability to change, and better them selves. That is the true meaning of insanity. By doing this , you are training you’re subconscious mind to make you believe there is no other way to live. Money may not be everything, but living you’re life the way you want it to be is. From my personal experience until I was able to change my thinking subconsciously I was very unhappy with my situation, whether it was financial or with my relationships. The same way you place mental limitations on you’re self,( subconsciously), you can also remove them. You and I and all of us have the ability and the power within ourselves to do it. There are no limitations it is only those barriers in outer minds that induce those limitations. But just as importantly, action must be taken. The positive thoughts that you give you’re selves subconsciously require action to tare down the barriers you have spent all you’re lives constructing in you’re mind. Get motivated, go out and make the changes happen. The most powerful ally people have is self motivation. Does making mistakes frighten you? Don’t let it! The more mistakes you make, the closer you get to success. We live in the information age, today everything you need to reach you’re goal is only a click away. Motivational e-books, how to home based businesses opportunities, with easy to follow instruction. Best of all you can get all of that with little or no money out of pocket. By redirecting the thought process all people can be like “Neo” and conquer their fears.

         
    Why do share prices change

     

    Dear Fellow-Investor. Stock prices change every day according to the markets activity. Buyers and sellers cause prices to change and therefore share prices change as a consequence of supply and demand. And it’s this dance between buyers and sellers, supply and demand that decides how valuable each share is. If more people want to buy a share than sell it, the price goes up. Conversely, if more people want to sell a share than buy it, there’s more supply (sellers) than demand (buyers), and the price goes down. Shares represent ownership in a company. So even if you own just one single share of a company, you own a part of it no matter how minute. Therefore, the price of a share indicates what investors feel the company is worth. Stock prices can stay stable for months or fluctualt wildly which is refered to as volatility. There are hundreds of variables that drive stock prices, but the most important one is earnings. Attributable earnings can be described as the profit of a company after taxes and all other deductions i. e. it’s the net profit. There’s often the misconception, especially with beginners, that a share that has risen will always fall, or a share that has fallen will always rise. Vice-versa, there’s also the misconception that a share that has risen will always continue to rise. This is not the case though! Stock prices reflect the interest of investors, not the law of gravity! However, no market operates in a vacuum. In a borderless and interconnected world like the stock market, the slightest rumour or threat of war, rising oil prices or interest rate hikes for instance, can detonate a reaction on world markets which then react speedy and unpredictable. To make matters worse, markets also react to less alarming news and events like a slip of the tongue. One wrong word said by mistake by an analyst or politician can cause a chain reaction and panic sending the markets into red territory. But whichever way the wind blows, prices can rise as quickly as they fell especially after someones blunder saying the wrong thing. Once investors come to their senses again the stock markets can even begin to rise the same day again. We may not be able to predict the forces that causes the markets to swing either up or down, but by analysing and understanding them, we will be better equiped to weather the lows and wait for the tide of fortune to turn. It can definitely be said though, that it is important to always assess a company on it’s fundamentals. In the long term, good, solid and strong companies with good fundamentals usually return to their real value and strength, ironing out speculations based on rumours and innuendoes. Yours in Successful Trading. Ricky Schmidt stockbreakthroughs

         
    Why do people apply for credit cards

     

    People acquire credit cards for different purposes. There are lots of uses a credit card could have a use for, so almost all people have credit cards. Some will apply because it is a very convenient way of shopping goods anytime even without the cash. To others, they apply credit cards simply because of the customer reward they get after purchases. Some people would apply for a credit card because of the famous and juicy offerings by a certain credit card company, not to mention greater customer services and programs. Other people apply for a credit card for the reason that the products they purchase will have protection from the credit card company. This usually is the case when something has happened with the item you have paid through the credit card and the credit card company will pay for the loss by reimbursing the amount. Some people will have a credit card because it is the most convenient way to pay for online shopping. Online shopping can be the most convenient way of shopping to some people, especially to those who have not had time for going out to malls. Online shops usually charge their clients through credit cards. Other people have credit cards so they can use in terms of emergencies. Almost all people experience emergencies without cash at hand, so it becomes difficult for them to handle the situation. The credit card will save them from this situation, so it is another convenient use the card could provide. Some people apply for a credit card simply to establish credit card records they can use for future credit transaction with banks and organizations. And lastly… Other people apply for a credit card for the convenience of not carrying cash around, which can be sometimes scary. After all, lost cash could be lost forever, while a lost credit card can be easily cancelled so you don't have lost anything at all. Those things are the typical reasons why credit cards are popular to most people and all because of convenience; whatever the reason, applying for and using a credit card should not be done in an impulsive manner. A credit card can be most convenient way for you to use as financial alternative tool, but it can be worst for you. This is because it should be utilized most only by people who can manage its use. If used in a careless manner, you will have the consequences of financial setback later on. For you to know if you could be able to handle a credit card and finances in the wisest manner, you have to take the most key point about the card and its essentials. You have to think if you will be able to settle the bills when they arrive after using the credit card. Debt with a credit card is typical scenario because of the inability of the cardholder to immediately settle his obligations. It happens when he does not pay attention to the way he spends; thus, accumulates bigger bills at the end of the period which covers the bill. If a person cannot pay for the bills in full, and instead pays them in partial. There is nothing wrong with this, but the problem arises when the balance remains longer because it means higher interest rates. Fees climb even higher, when there are no appropriate funds to cover the bills. In this case, it is important that the cardholder will have the best management of how he would be using the credit card to avoid financial strikes.

         
    Why do i need a broker for online trading

     

    With online stock trading the latest in Internet technology, why do I need a broker to trade stocks online? A stock market is made up of at least one stock exchange, and usually more than one. A person who is not a member of a stock exchange can not just trade stocks on the exchange or the market. A stockbroker is a member of the exchange that they trade on, and this is how you have access to buying and selling stocks on the stock market. Only by using a stockbroker is it possible for normal individuals to trade on the stock exchange and the stock market. All stockbrokers for a specific exchange must be licensed and registered by that exchange, and this insures that the stockbroker acts ethically and legally at all times. If a stockbroker is caught violating ethics or the law their trading priveleges on the exchange can be taken away. A stockbroker buys and sells stock for their own benefit, and they also trade stock shares for individuals that are not stockbrokers. This practice earns them a commission on trades that they execute for you. Brokers that specialize in online stock trading use computer terminals to communicate and execute these trades for their clients. Just because trades are executed electronically online does not mean you do not require a broker. Even trades that are executed electronically are only accepted if they are executed by a registered stockbroker on that exchange. Without a broker, you will not get any farther electronically trading stocks than you would if you waded onto the trading floor on Wall Street and tried to trade. Not matter which method you use to trade your stocks, whether you use an electronic execution or an execution on the trading floor of the exchange. A stockbroker is a member of the stock exchange, and only members can trade on the exchange. These brokers trade stocks for themselves, and they trade stocks for a commission for individuals who are not a member of the stock exchange. In this way normal people can invest in the stock market and buy and sell stocks. Online brokers generally work from computer terminals that are linked to other computers creating a network. A broker is needed to trade stocks no matter which trading method you choose, and finding the right online broker is the most important decision you will make concerning stock trading. Copyright © 2007 Joel Teo. All rights reserved.

         
    Why do house prices rise and fall

     

    Ask an economist or realtor this question and he or she will reel off a long list of economic “fundamentals” like: • Supply and demand • Interest rates • Immigration • Unemployment • Economic conditions • Cost to rebuild • Availability of land • Location! Location! Location! Okay, then, in California between 1988 and 1990 house prices rose 50% in most cities. A similar thing happened in New England two or three years earlier, where prices rose up to 75%. In Australia there was an even more stark example – house prices doubled, almost country wide, in a 12 to 18 month period from the end of 1987. What “caused” these booms? Was there a sudden drop in supply and a huge increase in demand? No. How far did interest rates fall? They rose! Remember those sky high interest rates in 1989? Was there a sudden massive increase in immigration or fall in unemployment? A shortage of land? A rapid inflation in building costs? It was none of these things. It never is a change in economic “fundamentals” that causes a boom or bust in house prices, despite what well-meaning economists might tell you via the perhaps not so well-meaning media. You have been dumbed down (conditioned) into believing that the earth is flat when it has always been round. And you never question it. Think about it: If availability of land had anything to do with house prices, how could real estate values fall 80% in Japan in the decade following 1992 or fall 65% in Hong Kong between 1997 and 2002? Those countries have a genuine “shortage of land.” And if location is the three golden rules of property investment, then why do some of the best properties fall the most in a bust? There is only one thing that changes whenever there is a boom or bust in house prices. And that is the collective mindset (mood) of the “herd.” Humans are driven by an unconscious urge to herd together and all do the same thing at the same time. That’s why they all panic at the same time. Logic and common sense does not influence your decision to buy or sell real estate. Emotion and impulse does. That’s why you often buy at the top. You buy “because everybody else is making money” and you don’t want to “miss out.” On the way up panic is motivated by greed. Then you sell at the bottom (panic motivated by fear) “in case prices fall further.” I often say to my readers, when in doubt there is only one simple rule of investment you need to remember – buy when prices are low; sell when prices are high. Yet it is human nature to do the opposite. When house prices are on the bottom and have been nowhere for many years, nobody wants to buy. But once they double in price, everybody wants to buy. I rest my case. How do you break free from a herd of lemmings that might be rushing toward a cliff to commit mass financial suicide? How can you separate yourself from the pack and avoid the mistakes that most investors make? The remarkable thing is that human crowd behavior has a pattern to it and you can learn that pattern. We call it the Wave Principle. The bottom line of a new science called socionomics is: mood governs events and not the other way around. Once the penny drops as to what that means, and you learn how to count the waves, it can be like discovering for the first time in your life that Santa Claus is not true. You have been taught to study the plane. I teach you how to study the pilot.

         
    Why credit repair is needed

     

    To understand the necessity of credit repair it is essential to grasp the prevalence of credit reporting errors. Credit repair expert Jim Kemish discusses the flow of information from the creditor to the credit bureau and explains why you need to monitor the accuracy of your own credit reports. Credit Reporting is a Massive Job The credit bureaus currently compile, sort, and sell credit data on over 200 million Americans. Before this data is compiled by the credit bureaus it has to be generated by countless creditors such as credit card companies, auto loan, and mortgage servicers. Each of these creditors has their own system of processing and recording your payments. The amount of data being managed is staggering. It is not surprising that there are errors made. Credit Reporting Errors are Common Over seventy percent of all credit reports contain errors. It is easy for the credit bureaus to make mistakes. But there are also significant errors that are generated by the creditors themselves. From the initial data entry that is done by human hand, to the software that sorts and manages that data it’s a long distance from the check that you write to pay your bill to the notation of that payment on your credit report! Does it Matter? Even if you have perfect credit there is a very high probability that your credit report contains errors. Errors such as accounts that do not belong to you, understated high credit limits, and even derogatory information often go unnoticed. And if these errors have no impact on your life it may not really matter. But if you have had credit problems in the past the entire picture changes. When it Matters If you have had credit problems in the past the likelihood that your credit report will contain errors is considerably higher than it would be if your credit were perfect. This is an unfortunate reality that occurs for several reasons. Creditors manage derogatory accounts differently than normal on-time accounts. Once you are out of the normal reporting stream errors tend to multiply. Creditors frequently assign different account numbers to problem accounts. This often results in duplicate accounts as well as the inaccurate reporting of payment history. A Terrible Cost Errors on the reports of people who have had previous credit issues are potentially very costly. In many cases these consumers have marginal credit scores to begin with. The presence of errors may easily drop these individuals into a lower credit class. This situation occurs in a horrible number of cases and is terribly unjust. Consider the case of someone who has had credit issues in the past and is now trying to improve and rebuilt their credit. In addition to the legitimate derogatory information that appears on their credit report they are likely to be burdened with reporting errors that seriously overstate their poor credit history. These errors in turn drive their credit scores lower that they would otherwise be. A Widespread Problem When this person applies for a loan they end up paying a premium interest rate. Higher interest rates translate into higher payments. This situation may easily impact not only the revolving accounts that they apply for but their auto loans and their mortgage as well. Adding it all up these credit reporting errors create an untenable and unjust situation for the very consumers that can least afford it. These are not abstract thoughts. We have been helping people with credit repair for a long time and have seen thousands whose lives have been affected in exactly this way. No Easy Fix Is there a remedy? Consider again the monumental amount of data that is being managed by the credit bureaus in the process of generating credit reports. And consider also the number of diverse creditors each with their own data management systems all of whom have to interface with the credit bureaus in this process. It is likely that the presence of reporting errors will continue to effect consumers for a long time to come. Your Rights What can be done? Both the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Acts deal directly with the seriousness of the problem. The onus has been placed on the credit bureaus to report as accurately as possible. The Fair and Accurate Credit Transactions Act requires the credit bureaus to provide one free credit report per year to consumers specifically for the purpose of allowing consumers to pro-actively monitor their reports for errors. Can You Do This Yourself? You can undertake the process of credit repair on your own. It is important that you educate yourself. There is ample information available on the internet. Take your time and do your homework. Without being fully aware of proper methods your efforts are almost guaranteed to result in frustration. As an option you should consider hiring a reputable credit repair company to do this work for you. Legitimate credit repair companies are very affordable and are experts in the process. Consider your options. Take action. With the right efforts these issues can be managed. Copyright © 2007 James W. Kemish. All Content. All Rights Reserved.

         
    Why credit repair counseling is losing credibility

     

    Legitimate credit repair services are losing credibility because of some unscrupulous companies that purposely mislead customers who put their trust in them to help them repair their credit. It is widely believed that you can repair your own credit without the help of a credit repair service. The only real way to improve your credit rating is to improve your debt-income ratio and to pay your monthly obligations on time. You don’t need a service to help you accomplish this. What most credit repair counseling services are actually offering you is debt reduction. Using this type of service can actually do more harm than good to your credit rating, as you will end up paying less than the agreed monthly amount and this will result in your payments being reported 30 days late month after month. Another tactic that credit repair counseling services use is to send to the three credit reporting agencies letters stating that the negative information on your credit report is inaccurate, and demand that they remove this information. Credit reporting agencies are required to remove this information while they investigate the claim that the information is inaccurate. While this investigation is going on the credit repair counseling service pulls your credit report and shows you that your credit score has improved. They then demand payment from you. After this has occurred the investigation at the credit reporting agency will result in the negative information being placed back into your credit file and you are no better off than you were before. There are some credit repair agencies that are not out to scam you. These agencies will legitimately help you to have incorrect information removed, to have information corrected when you have paid-off items that are still showing past due. They can also help you to have items listed twice removed, or items that are actually your children’s clarified. When it comes down to it, this is about all a legitimate credit repair agency can do to help you improve your credit. No credit repair counseling agency can have negative items removed if they are correct. These items remain for up to seven years, or even longer. The best thing to do is to handle your own credit issues. You have the right to contest incorrect information and you are in the best position to know what is correct or incorrect on your credit report.

         
     
         
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