Stock Market Secret

Want to know a trading secret that can make you rich? This secret has been used for a long time by some of the top traders. You might wonder why these traders would be so secretive, and not share their great knowledge with all of us. Well, to be honest, they have shared it with us. Many times they spoke about, and wrote about this trading rule.

W. D. Gann said “You can make a fortune by following this one rule alone.”

Burton Pugh called it “one of the most valuable of market habits and the trader should follow and profit by this most dependable of all market laws.”

So, why doesn’t everybody listen to these great sages of Wall Street? To tell you the truth I don’t know, it could be because this trading rule is so simple that it gets overlooked. I find that people often think that if something is this simple it couldn’t possibly work. Well, I have some advice for them. Don’t over complicate things, “KISS” (Keep It Simple Silly).

So, do you want to know what this great Stock Market secret is? It’s the 50 of the previous price movement. This rule works in both upward trending and downward trending markets.

Let’s imagine that ABC stock started its most recent run at $10 and moved up to $20 before it began to pull back. A buy order would be put at $15 (50 retracement. Some of you will recognize these as Fibonacci Retracement Lines, and you would be correct. Traders used the 50 mark. No, sometimes price might not make it all the way to the 50 and 62 rule will not apply.

Most charting services have a Fibonacci Retracement Tool that draws the 38, and 62 rule in mind. Check for it on historical charts. You will be amazed how often it occurs and how well it works.

How To Find And Get Free Money For School Fast, $10,000 With No Credit Checks Or School Loans

With the way the economy is today, and how most college funding sources are cutting back. Its essential, to think outside of the box and find out how to get free money for school. And if you can do it fast, without credit checks or high interest loans the better.

Before I give you the tactic to use to find funding for your school, let me let you in on a big tip to finding the money you need today.

Most financial aid counselors, teachers and parents mean well when they tell you to apply for Fasfa and government aid. But in reality, they have no clue about how things work anymore.

These traditional resources used to work, 10 to 20yrs ago but today they are overwhelmed with all the people entering school and older people going back to school.

This makes it impossible for you to get the money you need, and it leaves you to resorting to getting school loans that leave graduates in debt for an average of 30 to 40yrs.Not Good!

If you are just willing to think different and learn how to get free money for school, from non-traditional sources you would be way better of!

Here is one very effective way you can use this week, to get the college funding you need fast

Im talking about online funding giveaways and contests. Now, before you start forming your own opinion, hear me out

These are nothing like lotteries or empty promise companies, that charge you just to enter for a chance to win something.

There are tons of websites all over the place that offer money for school, that you register to win. What you end up doing is filling out surveys on how you think, how you spend your time online, what mosts interests you online and what are your top visited websites.

They then take this information and sell it to third parties for market research. This helps them structure their advertising and products. So you buy more.

In turn, they pay a fee to the website that sold them the information. This is how they can provide money for your school funding for free.

Very simple, but most students just don’t have the know-how to think outside of what everybody is telling them to do.

Forex Options Trading – How Indicators Can Help You in Currency Trading

Did you know that the Foreign Exchange or Forex market is one of the biggest – and most liquid – financial markets in today’s world? Banks, governments, corporations, and other powerful institutions engage in currency trading every day, allowing yearly turnovers to reach trillions of US dollars. These facts may amaze you but what is even more incredible is that you – yes, you – can rake in significant profits from the industry, too! The Forex market is open to everyone who is ready to take risks and earn big.

Of course, this does not mean that everyone who joins the Forex market can end up wealthy. In order to be successful at currency trading, you have to learn a few proven strategies, one of which is the use of efficient indicators. Indicators work to provide you with suggestions as to how the market may react in the future. Or, as another way of saying it, they give you a glimpse into future market activity, allowing you to make the right moves. There are different indicators that you can turn to, including the Bollinger Bands, the relative strength index, the moving average convergence divergence or MACD, and the parabolic SAR, to name a few.

Indicators are actually products of technical analysis, a method (some regard it as a philosophy) used by Forex traders to understand the Forex market better. Investing real money in currency trading is serious business – you could lose more than you expect to make. With the use of indicators, you can minimize your losses or even avert risks completely so that you can earn the big money you came in for.

Timothy Stevens is a Forex Options Trader who owns – He has helped hundreds of people on Trading Forex with Options.

He has recently developed a free e-course showing you a step by step process for starting your Forex Trading easier. To learn how to start Forex Trading with Options without wasting your time and losing more money, visit

Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

Why Is Everyone Interested In Online Stock Trading

Online stock trading, in a cost-effective manner, is one thing that has caught many peoples imagination as it a good way of earning extra income. It observed that all those people who indulge into such kind of trading are generally not part of the trading environment at large.

In the present world, online stock trading without spending much is very much a possibility, something which is already becoming popular with more and more number of investors and traders. This is an upcoming trend particularly in the financial sector. Online stock trading involves the congregation of all the investors and traders in a single online address for offering stocks or shares of various companies they have bought.

If you want to carry out online stock trading in a cost-effective way, you need to have a clean credit record, something which is considered while the opening of your online trading account or demat account. It is always recommended to rope in a financial adviser while figuring out a trading or investment pattern, something which is important for efficient channelization of your money.

Nowadays, given the rising preference of cheap online stock trading among the novice and active traders and investors, there are many websites available on the web to cash in on this craze. Every day, new websites that are dedicated to online trading are cropping up. There are, quite literally, thousands of online trading websites available today in which you can actually start with the online trading activities almost the very next instant of becoming a member in that.

Many of such websites enable you to carry out your transactions for minimal trading costs or fees or commission, which is a good thing for the people who do not trade very frequently. These websites are designed in a user-friendly manner so that the users are able to follow the given instructions without any problem. Thus, people do not need be aware of stock trading insider knowledge extensively in order to work on them. However, you are expected to understand the basic rules regarding what the ability of benefitting you and what can result in a loss for you.

Hence, it is advisable to get yourself an online trading account soon if the idea of dabbling in the Indian Stock market suits you. For opening such an account, you need to have a certain sum of money, which varies from broker to broker. This money is generally called as initial deposit. Once you fill the required form and deposit the amount, your details is processed, after which your account is opened and you are good to go.

The 6 Ws Of Target Marketing

As with any full color printing ad that you create, theres one thing that you should know when you plan- who is your target market?

Defining your target market means focusing on target clients that have the potential to become definite buyers of your product or service. They are the ones who have a need for your business. They are most likely small groups that have the same needs, wants, problems, issues, interests, and experiences.

When target marketing, not only do you customize your color printing to address the needs of your potential clients; it also allows you to limit your costs so you can work according to the resources available to you.

So who is your target market? In order to get those who would actually buy from you, you need to know the 6 Ws of target marketing:

Who?
Who would benefit most from your product or service? Who has the most potential to buy from you? Are they men or women? Does your product create excitement among the young generation or the much older ones? Is your target market family-men or are they single-working moms?

What?
What do these target clients want to buy? What are their interests? Are they easily keyed up everytime a new model of mobile phone comes out of the market? Are they a techy-kind of clients? What do they mostly purchase each year?

When?
When do they usually buy- when they have the money or when they need it? During sales or even on regular days? When do they shop? Do they enjoy wrestling with so many people during sales? Or they would rather buy after everyone has stopped the buying frenzy? Do they buy on impulse?

Where?
Where do they usually buy- at the local grocer or at the mall? Do they drive to out-of-the-way shops to get specialized items? Do they get excited when they see thrift shops or outlet stores? What about garage sales?

Why?
Why do your target clients want to buy? Because they need it or they buy it on a whim. Do they actually believe that your product or service is effective?

HoW?
How does your target market buy? In bulk? Are they interested more on single purchases? What about buying wholesale?

So who is your target market? They are the ones who satisfy the 6 Ws of your marketing campaign. For your next color printing
ad, understand your target market and create a marketing campaign that answers your target clients needs and wants. Not only would you be able to have an effective ad in your hands, but gain as many clients who you can benefit immensely in the process.

The Ins And Outs Of Owning A Franchise

Many years ago it was the norm that when someone wanted to go into business for themselves it meant using one’s own instincts and depending on one’s own personal know-how and also observing the way that the market was going to move. However, things have changed and franchises have become the new way of doing things which has led to much prosperity for franchisees. Essentially, a franchise is duplication of business concept that has proven successful for the parent company and it also means that the franchisee is the owner who hires his or her own staff and looks after the day-to-day working of his franchise in which the stakes are high since the franchisee has invested his own time, money and effort in running the business.

An Already Established Concept – Another advantage to owning a franchise is that the concept has already been established and there will already be a proven track record of success. Also, the franchisee is well within his or her rights in using the trademark of the company and also its brand name which gives a license to the franchisee to market products that already has the brand recognition and which is already popular with the customers. Thus, having a franchise means tapping into a market that has already been established and is ready for more business.

When one takes a franchise, there is assured support on the part of the franchiser, and even though you may running the business on your own, there is always an extra opportunity or two available from the parent company and assistance too is always forthcoming. Since a majority of franchises are turnkey projects, it means that after signing the agreement, the franchisee gets all the equipment as well as supplies that are necessary to grow the business further, and this is something that sets franchising apart from other business concepts.

Next, when one takes a franchise there is less need for capital as compared to starting a business for yourself, and this can be attributed to the fact that you will already be getting experience and also a tried and tested system that the parent company has operated with success, and for which you do not have to spend unnecessarily such as on trial and error ideas. And, it also means getting supplies at lower costs because the parent company has already negotiated prices with suppliers and this benefit is passed onto the franchise.

Other benefits to starting a franchise includes getting wider promotional campaigns, benefits of ongoing R & D programs, having the status of a company, not taking any more risks than are necessary, and getting a set of quality standards that are unified. Thus, with all these benefits, it is easy to see why other forms of business concepts are not able to compete with franchising.

Understanding Contractor Tax

If you earn your money on a self employed basis, and contract your time to a company rather than being hired directly by them, then your tax status is wholly distinct from the circumstances of someone who is a direct employee of the same company. When working immediately for a firm, the employer subtracts your tax obligation from your salary before you are given it, through the PAYE (pay as you earn) tax system. When employed as a self-employed person, however, you are , according to the paperwork, self employed, and are therefore in charge of doing the sums on and announcing your specific contractor tax obligation .

contractor tax umbrella company is payable on a yearly basis , according to a tax return filled in before a deadline of January 31st for the fiscal year ending the previous April . After you have submitted your calculation and gained a statement of your contractor tax payment, you submit your complete tax bill in one go. This is one of the many differences between employed tax and contractor tax: with contractor tax you must put away a sufficient proportion of your wage to meet your contractor tax liability at the close of the financial year, when working as an employee ; your tax is removed at source without your input each month.

Many of those who would in different circumstances need to pay contractor tax choose instead to work as part of an umbrella company, which contracts them directly in order to take away the need for contractor tax, and charges their contracted employee for their labour. In this fashion the umbrella company functions as a middle man and in the process does away with the hassle of paying contractor tax, even sometimes reducing the total amount of tax that the person is liable for.

As well as writing down what he or she believes to be an appropriate proportion of their tax liability every four weeks or so , someone who pays contractor tax will also have to ensure that their national insurance contributions are up to date – these need to be paid on time in order that the contractor tax payer remains on course to receive the state pension when he or she reaches retirement age.

So as to get a rough understanding of your probable contractor tax bill at the end of the financial period, you might decide to make use of a contractor tax calculator. Contractor tax calculators are online tools that can be used to calculate an approximation of what your contractor tax could be. Users enter all the variables they have about their ongoing fiscal period, such as their wage and the hours they are fulfilling, as well as any extra types of income, and the calculator then tells them what their contractor tax might be at the following January.

Commercial Mortgage Modification

In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.

Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.

A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.

The most common form of payment reduction seen in a commercial mortgage modification is when the lender converts a principal and interest payment to an interest only payment. A lender may consider this form of commercial loan modification to help the borrower improve their cash flow. By only paying the interest on the loan, as opposed to principal and interest, the payment becomes more affordable for the borrower.

However, in extreme circumstances, reducing the mortgage payment to interest only is just not enough for a commercial property owner. If a lender sees that the borrower will still have negative cash flow even after reducing the payment to interest only, they may consider a reduction in the interest rate. Although the interest rate reduction may be temporary, it will help the borrower free up capital and maintain the mortgage payment on time. Although uncommon, lenders have lowered interest rates to as low as 1% even, to avoid an even more costly foreclosure.

Mortgage Finance And Second Chance Auto Financing

As you examine this article, remind that the rest of it contains is important information related to mortgage finance and in some way connected to auto financing for your reading benefit.

Handling your financial affairs well during these times is of uttermost seriousness.Folk are having a tough time surviving with the skyrocketing cost of products and the rising rates on home loans and car loans- the proven fact that plenty of corporations, and monetary giants at that, are either closing down or cutting down on manpower. Much doubt hangs in the air in the current industrial scene giving rise to the necessity for beneficial finance information not only for committed investors but all the way down to normal people trying to survive the daily grind.

What you may not know is that the subprime mortgages are mortgages whose interest rate is below Fed. prime level ( though this may be the case in some mortgages ) it usually means that mortgages were given to people who couldnt qualify under standard terms.

AT THIS JUNCTURE As can clearly be seen from this little information already given that this article is in some way or demeanour related to mortgage finance. Its not only related but may also be very useful when hunting for information regarding real estate financing, financing home, institute of finance and economics, in print.

Finance is the study of how individuals, companies, and associations obtain and utilise capital ( i.e. Money ). 2 basic elements of finance include the tradeoff between expected returns and risk and the importance of timing of future money flows.

Financial reform legislation, though way overdue, has the opportunity to send what has been a tough stock market recovery into bear market. While the COUPLE OF party system works to discuss new laws, all parties are ignoring a vital function of the derivatives market.

Many people looking for mortgage finance also searched online for boat financing, personal finance, and even list of international lease finance corporation customers.

In general, the goals of each of the above activities are achieved thru the utilization of acceptable monetary instruments and methodologies, with consideration to their prescribed setting.

By now I am certain you are considering how to cope when there dont appear to be any other alternatives, right? Then now I would like to invite you to claim your FREE info when you visit .

TAILPIECE In conclusion, mortgage finance quest should have been satisfied with this article. If not, you can easily get additional info by making a search on Google for mortgage finance or other chase auto finance, computer finance, statement to the house on terrorist financing, investing related info.IN CLOSING Im certain you have learnt one thing or another about this manuscript that should help in your search for mortgage finance or any other bad credit car financing, finance credit, how to become a millionaire,under secretary of the treasury for domestic finance.