Online Stock Market Trading For Beginners

By David A. Sorenger

Since the first stock started trading on a stock exchange, the stock market has created millionaires. This has not changed since then. Stock trading can be an exciting hobby or a very profitable career. While many still invest the traditional way and buy stocks for long term gains, more and more people trade online and make profits even intraday.

The Internet and the computer revolution made it possible that even your grandmother can place an order to buy stocks online today. Online stock trading has become very easy. Everybody with an Internet connection and a cheap PC can go online today and order shares. Not only in the US market but globally at almost any stock market in the world.

What makes stock trading so fascinating? It is probably the possibility to get instant access to the markets. All the information you need is delivered in real time today at low costs. Stock quotes, fundamental data, news, charts. You can be your own investment adviser and make your own decisions.

A private stock trader has almost the same level of information and execution possibilities as a professional trader at the trading desk of a bank. The only difference is that the bank trader most likely has a much deeper pocket and probably direct access to the trading floor. Beside of that, access to information is equal.

If you want to invest online then you must decide if you want to do everything yourself or if you need advice from an experienced investment adviser. A full service broker can give you a helping help with all your questions you might have but he will charge of course for this service. A discount broker will just offer you fast and cheap order execution and you will have to make all trading decisions alone.

Many are attracted by the fast profits you can make in the stock market. In fat it is possible to buy and sell stocks with a profit within seconds today. But be aware of the trading costs. A trade can easily cost you $5 or more and if you trade frequently, this adds up to a big sum. There are many discount brokers today but when the trade execution takes more than a minute then you probably should try another one.

The trading platforms you get from your broker vary in performance, reliability and costs. If you are just starting with online stock trading then choose a known broker like Schwab for example. They have simple and easy to use trading platforms. Once you get more experienced and an active trader you might consider getting one of these direct access trading platforms. They cost something but offer a lot. Daytraders are using them to get filled in a split second.

The stock market gives you hundreds of opportunities every day. Thousands of stocks are listed on the various US stock exchanges and every stock is different. For more than 6 hours a day the regular market is open for taking your orders plus hours of special pre- and post market trading. You can spend your whole life analyzing and trading stocks back and forth.

About the Author:

Get all information about online stock trading before buying or selling stocks. Understanding the stock market is vital to make profits and protect yourself from losses. Don't reprint this exact article. Instead, reprint a free unique content version of this same article.

Stock Market Online Trading

By David A. Sorenger

Trading stocks online can be very stimulating. It is both, either a great hobby or a full time job. In both cases you can earn much money. The stock market has made millionaires since the very beginnings of share trading. In the past you could trade stocks only for long term profits, today you can make profits within minutes.

Buying and selling stocks has become much easier today because of computers and the Internet. Today everybody can buy a fully equipped and professional trading station for less than $2,000 and be part of the global financial markets. While US stock trading is most popular, you can trade stocks on international stock exchanges as well.

Everything is at your fingertips, the latest stock quotes, financial news, real time charts with indicators, market commentary and analysis. Whatever you need is right on you desktop. You only need to make a decision what to buy and press a button. Within seconds you are the owner of the stocks you wanted.

A private stock trader has almost the same level of information and execution possibilities as a professional trader at the trading desk of a bank. The only difference is that the bank trader most likely has a much deeper pocket and probably direct access to the trading floor. Beside of that, access to information is equal.

There are many online stock broker nowadays. Every broker is different. The main decision you must make is whether you want to trade yourself or if you need advice from the broker. The last one is called full service broker and helps you to find the best stocks and also executes the trades for you. The other ones are discount brokers and they only execute the trade for you but don't tell you which stock to buy or when to sell.

Many are attracted by the fast profits you can make in the stock market. In fat it is possible to buy and sell stocks with a profit within seconds today. But be aware of the trading costs. A trade can easily cost you $5 or more and if you trade frequently, this adds up to a big sum. There are many discount brokers today but when the trade execution takes more than a minute then you probably should try another one.

The trading platforms you get from your broker vary in performance, reliability and costs. If you are just starting with online stock trading then choose a known broker like Schwab for example. They have simple and easy to use trading platforms. Once you get more experienced and an active trader you might consider getting one of these direct access trading platforms. They cost something but offer a lot. Daytraders are using them to get filled in a split second.

An investor has different goals than a speculator. Both want to make money but the strategies are different. There is plenty of room for every trader. You can choose between thousands of stocks every day. The markets are open for more than six hours a day, plus the extended trading hours.

About the Author:

You need to know this about online stock trading before buying or selling stocks. Understanding the stock market is the foundation of your trading success. Get your own completely unique content version of this article.

The Little Things Sell Your Home These Days

By Hal James

The devil is in the details or so the cliche' goes. Well, the cliche is very accurate when it comes to selling your home in a buyers' market. Focussing on the details of your home makes it stand out to buyers.

Forget the national real estate scene. You must focus on the comparable homes in the market. What is better about your home compared to each of them? What obvious aspect makes it stand out and can be touted to buyers?

If you haven't remodeled, don't worry. Small, inexpensive changes to a home can make a world of difference in the eyes of buyers. Just consider some of these small tweaks that can turn your house from run of the mill to unique and interesting.

One of the keys to curb appeal is to create a path to your front door. The path sets the tone for the buyer's impression of the home. Try to ditch concrete rectangle paths. Go for placed stones or a winding path.

Once your potential buyer makes it to the front door, you want them to have a feeling of balance. This means you need to frame the door correctly. A flower pot on each side of the door should do it and provide a friendly fragrance.

Windows are another area where a little work can make a big difference. First off, cut away any plants blocking views unless the room is a bathroom. If the windows are unique, consider painting the frames a color that contrasts with the walls.

Trash is a fact of life, but should be seen as little as possible. Make your house stand out by installing vine trellis around where you keep your trash cans. Grow vines that flower on them to block any nasty trash smell.

A trellis is also great for breaking up a long, boring wall. The side of many homes is just where you can find such walls. Try using a trellis to create angles and grow different plants. It breaks up the walls and makes your home stick out.

People think of how living in homes during the day will be. This is ironic since night is the time most people spend at home. Take some time to work out a lighting plan for your landscaping that looks great and include pictures in your ads.

The above represent only a few of the many small changes you can make. The beauty of these changes is they have a cumulative effect. In exchange of a bit of elbow grease and a bit of money, you can have a unique home.

About the Author:

Hal James writes about issues faced by FSBO sellers for FSBOAmerica.org, where you can get a free one month listing to sell your home by owner and get more real estate tips. Don't reprint this exact article. Instead, reprint a free unique content version of this same article.

How To Obtain Peace In 4 Simple Steps

By Chaszey Sandhriel

The Holidays undoubtedly bring out the worst in family members. Most people when asked "How was your Holidays?" say: "I'm glad it's over."

Sounds familiar?

No matter how long the bitter aftertaste of dysfunctional holiday gatherings lingers in the air, everyone at the core wants peace. Even that one person who seems to be the cause of all the havoc truly wants peace deep down.

There is more going on than just dysfunction in our lives. Perhaps you have noticed that things have shifted here on planet Earth, not just for you as an individual but for humanity as a whole.

Over the past 3 months I can't tell you how many of my friends and clients have "suffered" a gap in their relationships, have broken up, tried to mend their relationships once again, moved out, divorced, gained weight, gotten terribly sick and so on. It's been a roller coaster ride for many in the truest sense of the word. There are many reasons for that. Part of it is the mass consciousness that affects everyone of us, even those who do not watch TV and do not read the newspapers, another part is astrological; we are going through an exiting time in our evolutionary journey.

This season is resting on us like a cold blanket, making us go into hibernation, we want to talk less and spoon up more, we want to eat more soup (or eat more all together), and we tend to be more introverted. It's truly a time for reflection, some do it consciously and others do it intuitively. Even the hours of the shining sun has been reduced and the moon's appearance on our sky increased, literally; perhaps you know that the moon is in charge of gravity, the mysteries of life, reaching to the depth of our very souls, she is in charge of the dreams we dream, our intuition and so on. Our moon is responsible for our in-breath, for contraction. She affects our third eye and many other amazing qualities. In balance the sun shines outward and takes charge of our outside personality, and yet the sun is totally in charge to expand our solar plexus, if we would just let it. Our sun represents expansion with every out-breath we give.

This month and next, I would like to encourage you more than anything to breathe, breathe deep and breathe with a purpose and goal in mind.

The following is a great exercise for you to do every day, several times a day, in particular during those stressed times.

- Fill your abdomen and chest with a deep breath - Hold it for eight seconds - Let the breath go as slowly as you are able to - Repeat this process seven times

When you start this breathing exercise it may feel like you're out of breath, simply take a regular breath in between the deep breaths. That's okay. The best times to do this exercise are first thing when you wake up while laying flat on your back. You can achieve additional benefit if you also do this last thing at night before falling asleep. You can also do this exercise throughout the day when you're in your car or waiting in line and so on.

It is important to remember that are you breathing in the mysteries of life so when you breathe in, make sure your intentions are positive. Your solar plexus opens up just like the sun's rays come to rest upon earth when that cloud moves out of the way. In fact, your solar plexus is a small version of our big sun in our galaxy and it has the same affect on your body and your surroundings as does the sun on Mother Earth. When the sun shines it is a gift of love, a gift of giving, so when you breathe out you are doing the same. Just like the sun warms up our planet when we breathe out we do the same for others. It is essential therefore that we breathe out only love and gratitude for the people and all beings of this planet, always aware that just like the rays of sunshine hit the moon at night, our solar plexus too bounces off its rays to our inner being and thus affects the people around us. Your breath has the capability of giving life and sustaining life. So go out there and breathe, always knowing that your breath has tremendous power, therefore breathe with love and gratitude.

About the Author:

Chaszey Sandhriel is a coach and author who empowers women to look, feel and be all they can be. She provides free reports on her site at http://www.itsmyweightloss.com and wonderful tips vis her blog at http://itsmyweightloss.blogspot.com. Click here to get your own unique version of this article.

Good Things To Know About Poodle History

By Rick London

When I first started my cartoons, I was thinking of dogs. It was going to be a totally dog cartoon (that is, Londons Times Cartoons). But the more dog cartoons I created, the more I wanted to do cats, and relationships, and people, and science, ad nauseum. Oddly enough, after I opened my RickLondonCollection.com store, I started getting more and more emails from poodle owners and lovers wanting to know if I could kindly put up more poodle-oriented merchandise I finally did, but first, I felt compelled to learn the history of the poodle. Though I'd owned dogs all my life, and my first cousin owns and loves her standard poodle, I knew very little about the breed. I was surprised at what I learned.

Though the origins of poodle history are enmeshed in mystery, people started noticing canines that actually resembled the poodle as we see it today. It was, most likely the original water spaniel, known for its hunting skills, particularly bird hunting and retrieving. Oddly enough, it technically should be known as the German Poodle, as that is where it truly originated. With Russian influence it became standardized as a unique breed in France, first, and known as the French Poodle. In Germany it was still known as the pudel; pudel means to "splash in the water". The European breed has a corded coat, rarely seen in the U.S. The standard poodle came first, then the poodle (the most common), and finally the miniature and toy breeds. All have a long and rich history. Though it is not known exactly when the poodle entered the U.S., AKC began registering them in 1886. Only the miniature poodle is in the non-sporting group of this breed. Though many Americans don't use them for hunting, they remain prolific at hunting, with birds being their forte'.

In France, Poodles were used for a variety of purposes. There was the Caniche which was a large dog widely used for duck hunting. The Petit Barbet was a Toy size dog that led a pampered and primped style of life in the royal courts. The Truffle dog was used in the search for that flavorful morsel that was used by so many of the French chefs.

In 1874 Britain imported the first poodle and two years later the Poodle Club Of England was formed. Prior to 1910, in the UK all poodles were shown in the same classes. That was changed then, as the curly and corded breeds were put in separate divisions as were the various size breeds.

The foundations that were developed in England became the cornerstones of the breed in the United States. Precisely when the Poodle was imported to the United States is not known. The American Kennel Club registered its first Poodle in 1886. The Poodle Club of America was originally founded in 1896. Shortly after its establishment it was disbanded, and then reorganized in 1931. The P.C.A. used the Standard and Rules of the Burley Poodle Club of England as its base for establishing the Standard in the U.S. The same Standard now applies to all three sizes of Poodle, the only difference is in the height measurements for each size. The Standard and Miniature Poodle are shown in the Non Sporting Group of the A.K.C., and the Toy Poodle is shown in the Toy Group. The F.C.I. (Federation Cynologique Internationale) recognizes four sizes: the Standard, Miniature, Dwarf and Toy.

About the Author:

Poodle owners and fans love their standard poodle gifts and collectibles. RickLondoncollection standard poodle art t-shirts, and standard poodle gifts Get your own completely unique content version of this article.

Yes, Folks, Poodle History Lesson

By Rick London

When I launched Londons Times Cartoons, at first, most the images were of dogs. Poodles were and are a favorite. I don't know why. I've never owned a poodle but I never knew that much about them. This year, when I launched RickLondonCollection.com, the gift store that sells the cartoon products, emails started coming in from poodle lovers and owners wanting to see more merchandise with poodle cartoons and I gladly obliged. But I still didn't know the history of the poodle. I decided to learn. This is what I found.

Though the origins of poodle history are enmeshed in mystery, people started noticing canines that actually resembled the poodle as we see it today. It was, most likely the original water spaniel, known for its hunting skills, particularly bird hunting and retrieving. Oddly enough, it technically should be known as the German Poodle, as that is where it truly originated. With Russian influence it became standardized as a unique breed in France, first, and known as the French Poodle. In Germany it was still known as the pudel; pudel means to "splash in the water". The European breed has a corded coat, rarely seen in the U.S. The standard poodle came first, then the poodle (the most common), and finally the miniature and toy breeds. All have a long and rich history. Though it is not known exactly when the poodle entered the U.S., AKC began registering them in 1886. Only the miniature poodle is in the non-sporting group of this breed. Though many Americans don't use them for hunting, they remain prolific at hunting, with birds being their forte'.

In France, Poodles have been used for a variety of purposes and still are. The Caniche for duck hunting, the Petti Barbet (a toy size) to entertain royalty, and the Truffle dog to search for that flavorful food (pigs, for the most part have taken their place in search of truffles).

An important event in the history of the Poodle is when the breed was imported from France to Great Britain. The Kennel Club of England registered its first Poodle in 1874, and the Poodle Club of England was founded in 1876. In 1910 the curly and corded dogs were put in separate divisions, as was the Miniature. Prior to this time Poodles of all sizes and coat types were shown in the same classes.

The foundations that were developed in England became the cornerstones of the breed in the United States. Precisely when the Poodle was imported to the United States is not known. The American Kennel Club registered its first Poodle in 1886. The Poodle Club of America was originally founded in 1896. Shortly after its establishment it was disbanded, and then reorganized in 1931. The P.C.A. used the Standard and Rules of the Curly Poodle Club of England as its base for establishing the Standard in the U.S. The same Standard now applies to all three sizes of Poodle, the only difference is in the height measurements for each size. The Standard and Miniature Poodle are shown in the Non Sporting Group of the A.K.C., and the Toy Poodle is shown in the Toy Group. The F.C.I. (Federation Cynologique Internationale) recognizes four sizes: the Standard, Miniature, Dwarf and Toy.

About the Author:

Poodle lovers and fans love their poodle gifts and collectibles. RickLondoncollection poodle art t-shirts, and poodle gifts This article is available as a unique content article with free reprint rights.

The 10 Fundamental Principles Of Blogging

By Zigfred Diaz

As I read through several blogs and several books on blogging, monetizing your site, internet marketing etc., I have observed that majority of bloggers agree on certain fundamental principles that each has seriously followed throughout the years. The said principles are:

1.) It's all about passion - Articles you write in your blog should be something that you are passionate about. Topics that you have somewhat achieved a level of expertise in, topics that puts you on fire, topics that makes your eyes wide open when discussed about, topics that awes and amazes you and opens your mouth wide.

2.) Blog for people - Although search engine optimization is something that should be seriously considered by all bloggers, it should not take precedence over people. Blogs should not be all about keywords, tags or any other gimmick out there in order to make sure that we all each get a higher search engine. What is important that people keep coming back to your site because your post actually helps them or is relevant to them. I believe it was legendary marketer John Chow who said "People First before Google."

3.) Frequency is more important than length - How long the posts are, is not as important as how frequently you post. The posts in your blog may be long or short depending on the topic discussed. The most important thing about the blog is that it is frequently updated.

4.) Blog Away !- If you are new at blogging, don't worry about your site statistics or if there are no comments on your site. It may take a while for search engines to crawl to your site. You don't have to worry because if you write good posts with people first in mind, the traffic will just flow.

5.) Learn more about blogging - Bloggers should not stop learning about how to be more effective in their craft. Learn more about topics on how to be effective on your blogging, about search engine optimization, etc. The moment you stop learning, you stop to blog.

6.) Read, Read Read !!! - What can you possibly blog about if you do not read ? You must have a voracious appetite for learning. You must also have a passion to tell your readers what you have learned.

7.) Blog with a schedule - I believe having a blogging schedule will force you to think of something to blog about. This may not work for others as they just blog whatever comes into their mind. Being a structured person, I work best when I submit myself to a structured way of doing things. Using a blog schedule will also ensure that I have balanced the number of articles on the categories that I wish to blog.

8.) Be personal - Inject some humor if you have to ! Your readers must feel as if you they are talking to a pal when they read your blog. The language and words you use should be so understandable that your readers should not have to resort to a dictionary before they could understand what you are trying to say. Explain things in layman's term as much as possible, even if the subject matter is so technical.

9.) Aim for the best ! - Aiming for the best does not only apply in school or at work, it very much well applies when it comes to blogging. Among other things, you must go over and edit your posts. You must make sure your presentation and layout are user friendly and not an eye sore.

10.) Blog for life - Don't view blogging as something that you are temporarily doing just because you don't have anything to do as of now or something which you do in order to achieve a certain amount of money and afterwards you will then stop blogging since you have already achieved your goal. Plan to blog for life. Blogging may bring you monetary "blessings." However always consider that such is only secondary. As you go about your day to day experience, having an attitude of blogging for life will make you further appreciate such experiences since you will looking forward to writing it to on your next posts.

About the Author:

Zigfred Diaz is Vice president for operations for a group of companies He is also a Financial & Real estate broker, lawyer, law professor & writer. He regularly blogs about internet marketing, blogging law, leadership, management, finances, investments, technology & faith. You can get a unique content version of this article.

How To Buy Transparent Lingerie

By Lulu Dallas

Before the Industrial Revolution the vast majority of Europeans and Americans wore underwear made from WOOL. Only the wealthy upper class could afford cotton or silk. Fortunately for us, the Industrial Revolution made the production of cotton cloth inexpensive and fast. The gift of inexpensive cotton cloth to the masses was a great moment in the early nineteenth century. Since then undergarments have come a long way-particularly for women. The evolution of women's lingerie has passed through several phases of long drawers, corsets, underskirts and eventually bras to become the attractive easy-to-wear items of today.

Lingerie, the French word for undergarments, no longer serves the sole purpose of protecting clothing. Women wear it to feel good and look better in their clothes. Many of today's fashions demand transparent lingerie that does not leave lines or visible seams that ruin the line of clothing. Bras now have smooth molded cups for a natural look. Thongs and sheer seamless panties become invisible under clingy pants, dresses and skirts.

The term lingerie refers to more than just bras, panties, and slips. It also includes night gowns, robes, teddies, slips, stockings, garter belts, and corsets. For many women the idea of buying risqu items is enticing but they are reluctant to purchases them in stores. Buying high-quality seductive lingerie from on-line shops is easy and they offer more sizes, styles, and options. Plus-size lingerie is now available in feminine and attractive styles to fit curvy figures. Good-fitting lingerie will make women look good and feel good about themselves.

For weddings and holidays lingerie makes a perfect gift. Gifts of lingerie are romantic and intimate and go nicely with perfumes and other luxuries. Sexy, risqu or transparent lingerie appeals to both men and women and it adds some sizzle to couples' love life. To find styles and sizes that will suit the woman in your life do a little research. Many companies offer moderately-priced, high-quality items. With a little time and care you can find the ideal present.

About the Author:

To get more gift ideas or find sources of outstanding lingerie visit our website transparent lingerie Click here to get your own unique version of this article.

Import A Car From Japan - Are You Crazy?

By Davion Wong

To import a car from Japan may sound too hard to perform, but in reality it is not. And there are thousands of people who do just that, some of them on a regular basis! In case you are curious about benefits of importing a car from Japan, here are a few of them:

1. Wide Selection of Choices Available

It is no secret that Japanese cars are in demand in Europe and in US. But there are certain restrictions on the type and car makes allowed. Hence, dealers often only bring you a few more popular car models. You could be missing out on the other models that are being sold daily in the Japanese car auctions. Some of them are real beauties, others are high performance vehicles that cannot be found where you stay. For that exclusivity, you really need to import a car from Japan because that is the only way you can lay your hands on such rare models.

2. Cheap, Cheap Prices

Those who import cars from Japan are no fools! In fact they are considered smart people. You can find vehicles auctioned at low prices in Japan. Even if the importing expenses are the same as what you pay for the car, the total sum is still far below what you pay the used car dealer at home.

3. Excellent Quality & High Performance

Japanese cars are obvious winners due to their proven quality and reliability. Japanese car manufacturers are famous for their love to detail and extra features. Even if you import a used car, you can expect great condition and low mileage.

4. Image Building

Why not spoil yourself with the latest cool model, which is not in your country yet? Driving a sparkling new car, which makes all heads turn, is a great self-esteem booster for anybody. And most importantly, you don't need to mortgage everything you own in order to afford such a car, though it will cost you a little more than average.

5. Profit Making

If not for yourself, you can import a car from Japan in order to resell it and make a fat profit on the difference. In fact, there are plenty of car dealers who earn their living on reselling Japanese cars. The business is flourishing, so why not joining it? Don't worry about lack of experience - nobody learned how to import and resell cars in school. There is plenty of help available when you are just getting started.

6. Outsourcing is Available

You don't have to be an expert to import a car from Japan - there are people who can do all the work for you, and the only thing required from your side is to specify what exactly you are looking for. In case you want to be involved personally, there are plenty of general and regional guides, which teach you how to import a car from Japan step by step.

If you want to find out more, read up my blog, especially the detailed guide written by an experienced full time car dealer on importing vehicles from Japan.

About the Author:

Learn the A to Z on how to import cars from Japan. Also, find out more about top 5 reasons why people are rushing to import cars from Japan. Click here for other unique 'import a car' articles.

Choosing The Right Lingerie For Valentine's Day Gifts

By Lulu Dallas

Sexy lingerie and the excitement it brings to relationships is a great gift for men and women. As Valentine's Day, the next holiday, approaches it's time to start thinking about purchasing your next gift. Lingerie is a great gift for the woman in your life. Here are some guidelines for choosing lingerie styles, sizes and fabrics.

Choosing a size can be a tricky business and you don't want to make a mistake. Items that are too small may flatter her ego, but they won't flatter her figure or be comfortable. Items that are are too big may be insulting. To avoid conflict sneak a look at the sizes in her clothing and bras.

Lingerie comes in a wide variety of styles and fabrics. Consider your significant other's personality. Traditional colors for Valentines Day are pink and red, but black may be a more appropriate choice for a woman who seldom wears bright colors. Floral prints are nice for very feminine women. Pinks flatter fairer skin whereas reds flatter olive complexions. Good choices for lingerie fabrics include lace, satin, chiffon, and silk. Watch out for cheap scratchy materials and shoddy workmanship. Lingerie should feel soft and luxurious and have a bit of stretch. It should not feel like you bought it on sale at Wal-Mart. Above all you want to avoid being cheap.

Sexy, elegant lingerie comes in flattering styles for every body type. Average women are often self-conscious about their bodies. Choose styles that emphasize a woman's best features. A fuller-busted woman may prefer a little support in the top. Smaller busts are flattered by push-up and padded bras. Flirty baby doll night gowns flatter almost everyone as do corsets and garter belts.

When you begin your search for the ideal lingerie gift you may find that the choices in your local department store is limited. On-line merchants offer more variety in styling and sizing. Read reviews and review the merchant's shipping and return policies as you would with any merchant,

About the Author:

Before you start your search for the ideal lingerie gift for Valentine's Day or another occasion check our our collection of on-line stores here. lingerieseethru.com Our stores offer a variety of lingerie styles. Click here to get your own unique version of this article.

Being Responsible With Personal Credit

By Robert Bain

If you make poor choices when it comes to your personal credit, it is going to haunt you for years to come. For some individuals, they ruin it before they even get started so that makes it almost impossible to fix. After all, there are very few lenders that will overlook the fact that you have three credit accounts and they are all in bad standing. Credit isn't a free for all, you have made a commitment to repay those funds with additional money for interest.

Don't be in a rush to establish your personal credit just so you can say you have a few credit cards in your wallet. You need to really think hard about the needs you have before you apply for credit. Too many applications out there for credit is a red flag to lenders that you are desperately trying to secure funds. Even if you are only trying to compare rates you need to be careful.

A very common mistake with personal credit it using it because you have it readily available. The best way to make sure you aren't tempted is to not even have it accessible. Most people don't realize that the amount of credit you can access can affect your credit score. Some lenders won't give you additional credit because you may access the other credit you have in the process and then not have enough to pay all of your payments. Lenders don't like to get burned and so they take precautions at all turns.

As long as you can show you are responsible with your credit, you can negotiate a good interest rate on credit cards and loans. You can always call a credit card company and tell them if they won't drop your interest rate then you will cancel your card and use the one you have from another lender with lower interest. If your credit rating doesn't merit such a reduction though then they may tell you they will miss you as a customer.

Always pay your obligations on time so you can avoid late fees. There is no reason to pay $35 because you mailed your check late. If you are never late, consider calling the creditor and asking them to remove that charge for you. In many instances they will be happy to waive it if you ask. You should have enough money in savings to cover your monthly expenses for two months. If you don't, stop spending your disposable income of frivolous things and invest it in your future.

If there is no possible way for you to make your monthly payments as agreed to, you need to let those lenders know right away. Don't assume they will just know what your circumstances are. If you contact them early enough they may be able to help you find a good solution. This is better than allowing your payments to default and go to collections. This is not a responsible way to handle your credit, and it will have a severe affect on your ability to get it for years to come.

Getting personal credit is a privilege and not a right. Don't assume that just because you need funding that someone is going to give it to you. The real world doesn't work this way. If you aren't prepared for handling personal credit then be responsible enough to enroll in a class. Sometimes we fall into the same financial problems as our parents as we haven't been exposed to better ways to handle financial matters. Doing all you can to protect your personal credit is going to assure that it is there when you need it for your future.

If regular lenders aren't helping you, don't take it at face value when someone else contacts you. Chances are they will offer you credit that you think you need but the cost of it will be unbelievable. This is going to result in long term financial troubles for you compounded with what you are already dealing with. Even though you may be tempted because you need the credit, don't let yourself fall into these types of traps. Do all you can to be responsible with person credit and you will be able to benefit from it in the long run.

About the Author:

Robert Bain is fascinated by the secret credit industry. He follows personal credit related issues such as credit cards, debt relief, home owners loans, debt relief services and scams, and lenders for bad credit. Don't reprint this exact article. Instead, reprint a free unique content version of this same article.

Which Is More Economical? Buying A Car Or Leasing One?

By Amy Nutt

There is nothing quite like the feeling of buying a brand new car. Most people have a few clunkers, and maybe a lemon or two as their first few cars, while they save up for a decent down payment for their dream car. Nowadays however, with every major car company allowing people to lease a vehicle rather than buying it, saving up for a down payment is not as necessary as it used to be.

Leasing dropped into the car scene a few years ago and has been viewed as a life saver to many would be car owners. When you think about it, what person wouldn't choose to pay $175 or $250 a month for a car instead of $350 or $500? Leasing prices are much lower than monthly payments, no matter how big your down payment is! Some companies offer leasing packages that almost sound too good to be true. However, they usually are too good to be true!

If you are looking to buy a new car but you are dragging your feet about paying a high monthly payment, the leasing option is probably starting to look really good to you. If you do your research however, you will ultimately find that buying your car is almost always the smartest thing to do. I would say that the only exception to this is if you have moved somewhere for a short period of time for your job, or for schooling and you need a car. In these cases, leasing would be a smart thing to do, as long as you are not planning any long road trips.

When you enter into a leasing agreement, you are basically borrowing a car from a company, with the understanding that if anything should happen to the car, you are 100% liable, and you will have to pay any damages. When you buy a car, the same applies, but when you own your car, you don't have to give it back after putting your money into it!

When you lease your car, the lease agreement is usually for four to five years, after which you will have the option to give it back (once the car company has made absolutely sure it is coming back with no scratches or dents!) or to pay the remaining thousands cash down so you can own the car. The monthly payment for leasing is lower, but it is still cheaper and better in the long run to buy the car and pay more per month.

If you own your car, you make the rules, you decide if a dent or scratch really does need fixing and if it does, you can decide where you want to get it fixed. You can also drive as far as you like in a year, and not worry about paying for your mileage. Leasing agreements usually give you 20,000 kilometers or miles per year an you will pay a lot extra to be able to drive more in a year.

About the Author:

Canadian owned and operated we can provide you with a rental car or truck to suit your need. Select from economy size cars to full size pick-ups. Boasting over 300 locations coast to coast, we are able to serve you anywhere in Canada. http://www.discountcar.com/ This and other unique content 'car rental' articles are available with free reprint rights.

Got Debt?

By JR Rooney

Debts, What Are They?

Debt is something that is owed. An individual or business owing a debt is called a debtor. The entity to whom a debt is owed is called a creditor. Debt is used to borrow purchasing power with a promise to repay at some point in the future. Many businesses use debt as a part of their overall corporate finance strategy.

What types of debt are available

There are unlimited types of debt obligations. They include but are not limited to mortgages, auto loans, student loans, credit cards and promissory notes. Most people borrow a large sum for major purchases, such as a mortgage or car loan, and they repay it with at an agreed upon interest rate over time or all at once at an agreed date (balloon payment). The total amount of money outstanding is normally called a debt. The debt will increase overtime due to interest accruing. In many systems of economics this effect is termed usury, in others, the term "usury" refers only to an excessive rate of interest, in excess to a reasonable profit for the risk accepted (think payday loans).

Big organizations can issue debt in the form of securities, known as bonds. Each bond entitles the holder to interest and principal repayments. Bonds are traded in the bond markets, and depending on the rating are relatively safe investments.

About the Author:

When you are owed a debt you need a Collection Agency or request a free quote from a Collection Company You are welcome to reprint this article - but get your own unique content version here.

What Is Debt?

By JR Rooney

What is debt?

Debt is something that is owed. An individual or business owing a debt is called a debtor. The entity to whom a debt is owed is called a creditor. Debt is used to borrow purchasing power with a promise to repay at some point in the future. Many businesses use debt as a part of their overall corporate finance strategy.

Some types of debt

There are numerous types of debt obligations. They include loans, bonds, mortgages and promissory notes. It is common to borrow large sums for major purchases, such as a mortgage, and pay it back with an agreed premium interest rate over time, or all at once at a later date (balloon payment). The amount of money outstanding is usually called a debt. The debt will increase through time if it is not repaid faster than it grows. In some systems of economics this effect is termed usury, in others, the term "usury" refers only to an excessive rate of interest, in excess of a reasonable profit for the risk accepted.

Large organizations can issue debt in the form of securities, known as bonds. Each bond entitles the holder to interest and principal repayments. Bonds are traded in the bond markets, and are widely used as relatively safe investments.

About the Author:

If you are owed a debt contact a Collection Agency or request a free quote from a Collection Company Click here to get your own unique version of this article.

Got Debt?

By JR Rooney

Debts, What Are They?

Debt is something that is owed. An individual or business owing a debt is called a debtor. The entity to whom a debt is owed is called a creditor. Debt is used to borrow purchasing power with a promise to repay at some point in the future. Many businesses use debt as a part of their overall corporate finance strategy.

Types Of Debt

There are many types of debt obligations. They include but are not limited to mortgages, HELOC, bonds, credit cards and promissory notes. It is very common to borrow large sums for major purchases, such as a mortgage or car loan, and repay it with an agreed premium interest rate over time, or all at once at a later date (balloon payment). The total amount of money outstanding is normally called a debt. The debt will increase via interest. In many systems of economics this effect is termed usury, in others, the term "usury" refers only to an excessive rate of interest, in excess of a reasonable profit for the risk accepted (think loan sharks).

Large organizations can issue debt in the form of securities, known as bonds. Each bond entitles the holder to interest and principal repayments. Bonds are traded in the bond markets, and are widely used as relatively safe investments.

About the Author:

If you are owed a debt contact a Collection Agency or request a free quote from a Collection Company This article is available as a unique content article with free reprint rights.

Protecting Your Family With Holiday Home Insurance

By Leroy Calstard

If own a second home and want to rent it out when you aren't there in order to earn extra income, hiring a lease manager is a great way to collect your money without having to worry about finding tenants. You can rent your home out to weekly or monthly guests during busy seasons and make a nice profit. When you want to use the home, all you have to do is tell the lease manager that the home is not for rent during the time you will be staying and they will not rent it out. This is a way for your home to be protected when you can't keep an eye on it and a way to earn some extra money during the busy holiday season.

But befor eyou hand over the keys to your vacation home, make sure you purchase holiday home insurance. This is extra insurance that will cover any damage to the home, the items inside the home, and your property. Even though leasing managers screen potential renters, they may always be able to tell how a person will treat your home while they are staying there. If there is a fire or accidental death, the homeowner is usually repsonsible for paying for any damages to the home and medical care for those who were involved. Holiday home insurance policies will cover all of these expenses and more.

A holiday home insurance policy will also cover the retrieval of stolen property, any lawsuits and legal costs, and help you recover from natural disasters that may occur. Once you are fully covered, you can relax and enjoy the extr money coming in each time your home is rented. Leasing managers take a small percentage of the rental that includes their commission, cleaning costs after people vacate, and advertising for the property.

Many people who have second homes don't want them standing vacant all year long. This can promote theft or trespassing. By renting the property, you can feel better about not being able to check on your property anytime you want. Your leasing agent will help monitor activity around the home and help you make the most from renting it out.

About the Author:

Leroy Calstard regularly pens publications on subjects similar to Benidorm and Costa Blanca. You can have a look at his contributions on costa blanca property for sale and Costa Blanca here. Click here for other unique 'family' articles.

Is A Shelf Corporation A Good Business Move?

By Robert Bain

You have likely heard about shelf corporations being the way to go if you want to hurry up the process for obtaining corporate credit. In many cases this is going to work well for you because it shows the lender that you have been established instead of just starting out. Shelf corporations are legal but they aren't always the answer to your corporate credit situation. Make sure you are aware of the pros and cons of shelf corporations before you move forward.

You have to understand corporate credit from the lenders point of view. They have seen more than have of all businesses fail and that often means they lose the money they have loaned to businesses. To help reduce the risk of such loss to the lender, they have to calculate the rate of liability. The longer your business has been open, the lower the risk of failing is. There are other factors to be considered though before they will approve your request and offer you a decent interest rate.

Consumers also find you to be more appealing when you have some longevity behind you. Consumers are becoming more interested in finding out how long a business has been in place before they make a purchase from it. If they see you have just started out they may buy what they want from someone else. However, if the purchase of a shelf corporation makes it appear older than they will assume your business has been doing well.

Depending on what type of business you operate, you may be attempting to secure lucrative deals with other businesses. They are going to be more willing to engage in a large order with you or even a long term contract if they think you are going to be around for a while. The amount of time you have been in business may directly affect their decision.

How honest is it to invest in a shelf corporation? Aren't you misleading lenders, consumers, and other businesses when you use this to promote your new business? There are plenty of ethical concerns with shelf corporations that individuals struggle with. While they are legal, many people aren't sure that they are ethical and they want no part of the process. You will also find those that say a shelf corporation is just another strategy for the benefit of your business.

There are plenty of factors you need to consider if you heading down the road towards a shelf corporation. Make sure it has a clean record with consumers as you don't want to be connected with complaints that have been filed against a business name. If it is a legitimate shelf corporation that has never been used this shouldn't be an issue, but make sure you look at it as well.

Take a good look at the prices of shelf corporations. Don't bother with it if you are going to have to invest capital that you have set aside for other purposes including advertising. Some people are under the understanding that a shelf corporation offers significant tax shelters and benefits. This is not the case at all so don't think you can recoup that money when you file at the end of the year.

Only you can decide if a shelf corporation is going to be right for you or not. Make sure you take the time to consider both sides of the issue. You also need to think about the cost involved. A shelf corporation isn't always cheap but it can lead to more sales for your business. Your personal opinion about the process is going to influence your decision as well.

About the Author:

Robert Bain - Discover the the difference between typical business credit and real corporate credit at this website. This article is available as a unique content article with free reprint rights.

Driving Someone Else's Car - Personal Injury Protection.

By Amy Nutt

No one wants to get into a car accident. Car accidents are an unfortunate and all-too-common byproduct of our auto-centric society. Sadly, the take thousands of lives and cost us billions of dollars every year in repairs, medical bills, insurance payments, lost wages and funeral costs.

Every car owner in America should have car insurance. Laws differ by state, but every state in the union requires automobile owners to have some form of car insurance. The minimal amount of car insurance required by law is liability insurance, which covers cost incurred for the other driver when you are involved in an accident and it's your fault.

No one will ever accuse the insurance industry of being simple. As many people have experienced, making an insurance claim is often a boondoggle of red tape and bureaucratic frustration, especially if you are unfamiliar with the system.

This article will address the issue of personal injury protection when you are driving someone else's vehicle.

If you are investigating this issue, beware that laws and procedures involving car insurance differ state by state. Be sure and educate yourself to the best of your ability about the laws in your state.

Personal injury protection coverage is sold in increments of $2,500. The base amount available for purchase is usually $2,500, but it can increase to higher amounts such as $5,000 or $10,000 depending on your state and insurance carrier. Personal Injury Protection (or PIP) covers you and any immediate family member riding in your insured vehicle or any other vehicle in which you or your family member might be riding. However, this coverage does not cover you or your family members if you are driving another person's car without permission. That fact is crucial. If you or any member of your immediate family choose to drive another person's car, be absolutely sure you do so with full permission.

Conversely, if you loan your car to anyone, your Personal Injury Protection extends to that person. That is good news for anyone without automobile insurance who borrows a car from someone who does have insurance.

It is highly recommended that every car owner in America have Personal Injury Protection. In a tragic situation, it can save you or your family members a huge amount of financial and emotional strain. One of the most helpful features of Personal Injury Protection is that it will play 100 percent of your necessary medical or funeral bills as well as providing 80 percent of your lost wages and reasonable expenses related to the accident -such as household help. If you collect this money and then collect damages from the person who negligently caused your injuries, you do not have to return the money your insurance company paid you, which is another major benefit of Personal Injury Protection.

As you enroll in an auto insurance, you might be tempted to cut corners and spend less money on your monthly bill. At first, this might seem like a good idea, especially if you are a safe driver with a good driving record. But even the best drivers can make mistakes and get into accidents. You and your family's health and well-being are far too precious to squander over a smaller monthly insurance bill. I highly encourage you to investigate Personal Injury Protection and include it in your car insurance plan. It may not seem important, but when you need it you will be very glad you have it.

About the Author:

Our Toronto Lawyers have been providing Personal Injury legal services to clients for Toronto car accident victims, malpractice, catastrophic personal injury, brain injury and attorneys for wrongful death for many decades. http://www.bergellaw.com/ Click here for other unique 'car accident toronto' articles.

The Easy Way To Be A Penny Stock Trader

By George Best

A successful penny stock trader used to have to spend many hours of evaluation and research to choose the right stocks to invest in and to avoid the many scams and frauds prevalent in the penny stock trading world. But new technology is changing all that, and now even novice penny stock investors have at their disposal an effective tool to quickly and accurately assess the potential of penny stocks.

There have been many attempts over the years to produce computerized penny stock analysis tools. These attempts have failed in large part due to the fact that computer programmers typically are not expert stock analysts.

The lack of analysis tools has meant that penny stock traders have been forced to continue the slow process of evaluation before making their investments. The time-consuming nature of penny stock investing has largely left out those who are part-time investors.

But along has come "Marl", which is the penny stock picking brainchild of two computer programmers who happened to have expertise in stock trading. Marl allows for fast analysis of hundreds of stocks and has a remarkably good track record of predicting which stocks are primed for a major jump in value.

Marl has been a boon to serious penny stock traders, making millions of dollars for many investors. Marl makes penny stock investing much safer and more lucrative for advanced and novice penny stock traders alike. The problem is, it costs $28,000 to buy a license for the Marl program and this is obviously out of the reach of small investors.

The good news is that there is an option that allows even the smallest of investors to reap rewards from Marl. The Marl developers put out a newsletter with Marl's best penny stock pick each week. The newsletter is remarkably affordable, and it gives even those with very small budgets the ability to get the best of Marl.

For newer penny stock traders, the newsletter option might actually be better than owning the full Marl program, as it limits the recommendations to just one pick per week, so investors don't have to sort through hundreds of possible options and try to decide how much to invest on which stocks.

Although the inventors of Marl have indicated that the newsletter may be closed soon to new subscribers, for now even the smallest and most novice of penny stock traders have a tool accessible to them that puts them on a level playing field with the experts.

About the Author:

George Best is a small investor from San Antonio, Texas. To learn more about Marl and how "he" is revolutionizing penny stock trading, please visit his site for the penny stock trader. You can get a unique content version of this article.

Discounted Mortgage What Is It?

By Chris Clare

With so many different types of home mortgages currently on the market, it can be hard for possible homeowners to decide which mortgage is best for them. Whether an individual is looking to refinance or take out their first mortgage, lending companies have a number of different mortgage options available to fit almost anyone's needs.

One type of mortgage that is offered to those looking to purchase their first home is a discount rate mortgage, where borrowers are offered a reduced interest rate on their loan for a set period of time. The interest rate typically stays reduced for a period of about one to three years, depending greatly on what the borrower would like to do.

Put simply the borrower is getting a reduction in their rate and therefore their payments for a set period of time and as such they will save money against the standard variable rate. That said once the discount period ends the mortgage will revert back to the lenders standard variable rate. One of the drawbacks is that due to the fact that the mortgage is a discount from the variable rate if mortgage rates do rise then the discounted mortgage will also rise at the same rate. However the same is said if the mortgage rates drop the discounted mortgage will also fall.

It is always an option to refinance in the future as quite a lot of people do. But you should consider any fees your lender may charge you to leave such as penalties on ending the mortgage early. That said if you have gone through the discount period in full you should be OK as not many lenders charge beyond their rate periods, but it is always important to check your products terms and conditions before you sign up to ensure you don't have this sort of unacceptable tie-in. A lot of people do re-mortgage to get a further reduction in rate once their original reduction has ended and therefore benefit from a further reduction in costs.

Discounted mortgages are most attractive to young first time buyers as the reduction in costs in the early years is of greatest benefit to them. However a lot of people can end up with a mortgage loan that may be unaffordable in the future due to the way the true cost is manipulated down in the early years.

Many people who have sorted out this type of deal have found themselves in a bit of trouble in the future due to the rising rates which they may not have been expecting. Furthermore a re-mortgage might not be an option as times change and they may not be able to qualify for a new mortgage company in the future, and their affordability may also be different in the future due to a change in circumstances.

Discounted rate mortgages are ideal for those who are looking to buy a home, and need extra money to make improvement to the home or for other needs. Even though the interest fees and mortgage payments will be low during the discounted period, a loan like this should only be considered when the applicant is able to afford a typical mortgage but may need extra money for a set period of time.

When applying for a discounted rate mortgage, it is always important to know how much the mortgage payment will be after the introductory period has ended, and be able to afford the higher payments right off the bat. Hoping that you will get a raise or better job once the discount period has ended is not enough when applying for a discounted rate mortgage, because if you cannot afford the higher payments you can lose your home. Discounted rate mortgages are a great option for many looking to buy a home, but it is not the best option for everybody.

Everyone wants to save money and not least on their mortgage payments as they are paid every month for years. But you should always think hard before taking any mortgage not least a discount mortgage as the wrong mortgage choice can cost thousands over time and even cost you your home. So make sure you have all the information to make the right choice and ensure you deal with an independent mortgage advisor for your mortgage advice.

About the Author:

For the best help and information on discounted mortgage products come and visit Mortgage Route, helpful mortgage help and information online. Click here for other unique 'mortgage' articles.

Buying Penny Stocks Without All The Work

By George Best

Buying penny stocks is potentially very profitable, but penny stock investing is also filled with risks. Thorough research and evaluation of stocks can greatly reduce the risk, but this process is tedious and requires a considerable investment of time and effort.

There is a new computer "bot" that has been created that analyzes penny stocks thorough in-depth mathematical analysis and by doing so dramatically decreases the risks and increases the profits from buying penny stocks, while greatly simplifying the work of choosing what stocks to buy and when. Of course, such a system does not come cheaply, but there is an opportunity for even the smallest of investors to reap the benefits of it.

Penny stocks have considerable advantages to small investors as compared to other stock investments. The low stock price allows those with small amounts of money to invest to buy shares of multiple stocks and diversify their portfolios much more than they could with higher value stocks. Because even small dollar and cent changes in price can translate to large percentage changes in the price of penny stocks, good profits can be had with relatively low amounts of money invested.

As an example, let's say that you have $1000 you want to invest and you buy 10 shares of a stock selling at $100. If that stock goes up by $1 per share, you'll have made $10. Now let's look at a penny stock that you invest that same $1000 on 1000 shares selling initially for $1 each. If that stock increases by $1, you'll have made $1000 - usually in the same or less time than it takes to make the $10 on the high-value stock!

Unfortunately, just as penny stock investing can provide very high profits very quickly, buying penny stocks can result in big losses quickly too. Besides the normal risks that occur just from normal market forces, penny stock investing is especially risky due to the relatively high rate of fraudulent practices by sellers of the stock. Corporations that issue penny stock are not required to submit financial statements to the SEC, so it can be hard to find good information that you can rely on when trying to evaluate the stock.

Penny stock is often sold using hard-sell and shady or outright fraudulent marketing ploys. As unsuspecting investors buy up over-hyped stocks and the stock price rises, the insiders wait until the price reaches its ceiling and then quickly sell off their shares. With the sell-off, the price per share plummets and the investor is left holding worthless stock that never had anything more going for it than a good sales pitch. Investments with potentially high returns over a short period of time do tend to be risky, but in penny stocks the relatively large amounts of fraud increase the risk way beyond what can be attributed to normal market forces.

To overcome the risks, buying penny stocks has traditionally required a large investment of time to research stocks to avoid the scams and predict a relatively good rate of return. A careful penny stock investor could spend quite a bit of time evaluating a single stock. This effort would hopefully pay off in the long-run, but the time required in doing this often made penny stock investing out of the question for part time investors.

A couple of computer geeks who also had an in-depth understanding of penny stock investing have recently developed "Marl", which is a computerized bot that can evaluate hundreds of penny stocks in less time than it would take a human to evaluate just one. Unlike human stock-pickers, Marl is 100% cold and calculating - there's no emotion to cloud his judgement. Although even Marl doesn't have a perfect track record, he's a lot better than any human, and Marl can dramatically decrease the risks involved with penny stocks.

Marl has allowed some big investors to make many millions of dollars, and as such, Marl doesn't come cheaply. At $28,000 to purchase Marl, he's out of the question for most investors, but there is a way for investors with even the smallest of budgets to use Marl. Marl's human inventors put out a very affordable newsletter with Marl's top penny stock pick each week. In the case of those investors new to penny stocks, this could be preferable initially to owning Marl, as it limits their investment choices to just one stock per week as opposed to having to select from many options. This makes for easy stock investing for even the newest of "newbies" to penny stock investing.

Although the inventors of Marl have indicated that they will be limiting their subscriber list to the newsletter and may stop selling new subscriptions in the near future, hopefully they will have compassion for the small investors who need all the help they can get and continue to allow new subscribers long-term. In the meantime, small investors now have an option to dramatically assist them in buying penny stocks.

About the Author:

George Best is a part-time investor from San Antonio, Texas. To learn more about Marl and how he works, please visit buying penny stocks. You can get a unique content version of this article.

Buying Penny Stocks Without All The Work

By George Best

Buying penny stocks is potentially very profitable, but penny stock investing is also filled with risks. Thorough research and evaluation of stocks can greatly reduce the risk, but this process is tedious and requires a considerable investment of time and effort.

There is a new computer "bot" that has been created that analyzes penny stocks thorough in-depth mathematical analysis and by doing so dramatically decreases the risks and increases the profits from buying penny stocks, while greatly simplifying the work of choosing what stocks to buy and when. Of course, such a system does not come cheaply, but there is an opportunity for even the smallest of investors to reap the benefits of it.

Penny stock investing has big advantages when it comes to large, rapid returns on investment, and the fact that penny stocks are priced low enough for even very small investors to buy stocks and have the opportunity for a diversified portfolio. Because penny stocks have such low values, just a few cents change in the price of the stock can equate to a huge change percentage-wise, and potentially a huge profit to the investor, depending on the amount of the total investment, particularly in comparison to the profits possible with larger value stocks.

To show the power of penny stock price changes, let's do a comparison. If you wanted to invest $1000 and found a stock you decided to buy at $100 per share, if it increases by $1 per share, you'll have made $10. On the other hand, if you invested $1000 in a penny stock that initially sold at $1 per share and it increases by $1 per share, you'll make $1000!

Now, by the same token, penny stocks can lose a bunch of money very quickly too, which is one reason why it is important to be very careful when buying penny stocks. Another reason that penny stock investing is risky is because of shady or outright fraudulent practices of some individuals involved in marketing and selling penny stocks. Because companies that issue penny stocks are not required to file financial reports with the SEC, it can be difficult to obtain reliable information to really assess the stock.

In some instances, hard-sell marketing tactics, such as email spam campaigns, paid promoters making cold calls, exaggerated press releases, and "boiler room" operations may be used to lure unwary investors into buying a stock to drive up the price and then the insiders suddenly sell off their stock at the inflated value, leaving the investors holding the bag as the price drops like a rock. As with any investment, the higher the potential return, the higher the risk, but in penny stocks, the relatively high potential for fraud drives the risk even higher than what is seen in other investments that are simply at the whim of market forces.

To overcome the risks, buying penny stocks has traditionally required a large investment of time to research stocks to avoid the scams and predict a relatively good rate of return. A careful penny stock investor could spend quite a bit of time evaluating a single stock. This effort would hopefully pay off in the long-run, but the time required in doing this often made penny stock investing out of the question for part time investors.

Then along came "Marl", which is a penny stock buying computer bot designed by a couple of guys that had the unusual combination of computer programming expertise and in-depth understanding of stock investing. Marl has several advantages over human investors, but the biggest advantage Marl has is that there are no emotions involved in his stock picks. Marl makes his picks based on cold, hard, statistical calculations. Plus, Marl can do a detailed analysis of hundreds of stocks in less time than it would take even an expert stock analyst to do a cursory evaluation of just one stock. This doesn't completely eliminate the risks of buying penny stocks, but it does cut down on the risk considerably.

The power of this system is amazing, and it has created vast fortunes for those fortunate enough to be able to afford the up-front $28,000 licensing fee that is charged for Marl. Obviously, this price tag puts Marl out of reach of the small investor, but there is an opportunity for small investors to also benefit from Marl. The inventors of Marl produce an extremely affordable e-newsletter with Marl's top penny stock buy for each week. For new investors interested in buyng penny stocks, this might even be better than having their own license to Marl, as it cuts down the investment choices to just one stock per week, rather than having to choose from hundreds of options. This makes penny stock investing a very simple process for even novice investors.

Marl's inventors have stated that they will be limiting the number of newletter subscribers that they allow, and the subscription option may not be available much longer. For the sake of small investors, hopefully they will reconsider and keep the subscriptions list open. For now though, small investors have a big opportunity for assistance in profitably buying penny stocks.

About the Author:

George Best is a small investor from San Antonio, Texas. For more about Marl and penny stock investing, visit buying penny stocks. This and other unique content 'buying penny stocks' articles are available with free reprint rights.

Buying Penny Stocks The Easy Way

By George Best

Buying penny stocks, while it can be a lucrative form of investing, carries with it a considerable amount of risk. The risks of penny stock investing can be dramatically reduced by doing your homework on the stocks you are considering buying, but that homework is tedious and time-consuming.

A new computerized system has finally been devised that uses cold, hard, mathematical analysis to greatly reduce the risks and increase the profitability of buying penny stocks, while eliminating most of the work involved. As you might have guessed, this technology comes at a rather steep price, but some creative minds have come up with a way to make it accessible to the small investor while making the process of buying penny stocks simple and easy for even the newest of penny stock traders.

Penny stock investing has big advantages when it comes to large, rapid returns on investment, and the fact that penny stocks are priced low enough for even very small investors to buy stocks and have the opportunity for a diversified portfolio. Because penny stocks have such low values, just a few cents change in the price of the stock can equate to a huge change percentage-wise, and potentially a huge profit to the investor, depending on the amount of the total investment, particularly in comparison to the profits possible with larger value stocks.

For example, if you had $1000.00 to invest, and put it into some stock on the S&P 500 list at a purchase price of $100.00 per share, and it went up by $1.00 per share, your $1000 investment would yield $10.00. But, if you purchased $1000.00 worth of a penny stock at a purchase price of $1.00 and it went up by $1.00 per share to $2.00, your $1000 just became $2000 - a yield of $1000!

Because of the percentage of value change that a small dollar value change makes in penny stocks, you can lose money very quickly too. In addition to the inherent risks from normal losses in value, penny stock investing has more than its fair share of scams and fraudulent practices. Companies that issue penny stocks don't have to file financial statements with the SEC (although some do so voluntarily), so it can be very difficult to find the necessary reliable information on a company to do a thorough analysis of the stock.

In some instances, hard-sell marketing tactics, such as email spam campaigns, paid promoters making cold calls, exaggerated press releases, and "boiler room" operations may be used to lure unwary investors into buying a stock to drive up the price and then the insiders suddenly sell off their stock at the inflated value, leaving the investors holding the bag as the price drops like a rock. As with any investment, the higher the potential return, the higher the risk, but in penny stocks, the relatively high potential for fraud drives the risk even higher than what is seen in other investments that are simply at the whim of market forces.

To overcome the risks, buying penny stocks has traditionally required a large investment of time to research stocks to avoid the scams and predict a relatively good rate of return. A careful penny stock investor could spend quite a bit of time evaluating a single stock. This effort would hopefully pay off in the long-run, but the time required in doing this often made penny stock investing out of the question for part time investors.

A couple of computer geeks who also had an in-depth understanding of penny stock investing have recently developed "Marl", which is a computerized bot that can evaluate hundreds of penny stocks in less time than it would take a human to evaluate just one. Unlike human stock-pickers, Marl is 100% cold and calculating - there's no emotion to cloud his judgement. Although even Marl doesn't have a perfect track record, he's a lot better than any human, and Marl can dramatically decrease the risks involved with penny stocks.

The power of this system is amazing, and it has created vast fortunes for those fortunate enough to be able to afford the up-front $28,000 licensing fee that is charged for Marl. Obviously, this price tag puts Marl out of reach of the small investor, but there is an opportunity for small investors to also benefit from Marl. The inventors of Marl produce an extremely affordable e-newsletter with Marl's top penny stock buy for each week. For new investors interested in buyng penny stocks, this might even be better than having their own license to Marl, as it cuts down the investment choices to just one stock per week, rather than having to choose from hundreds of options. This makes penny stock investing a very simple process for even novice investors.

Marl's inventors have stated that they will be limiting the number of newletter subscribers that they allow, and the subscription option may not be available much longer. For the sake of small investors, hopefully they will reconsider and keep the subscriptions list open. For now though, small investors have a big opportunity for assistance in profitably buying penny stocks.

About the Author:

George Best is a part-time investor from San Antonio, Texas. For more about Marl and penny stock investing, visit buying penny stocks. Click here to get your own unique version of this article.

Finding The Finest French Properties Around

By John Bakers

Old French buildings are very beautiful, finding the finest example is a wonderful way of getting the perfect house. However many of these properties are not built with a number of the modern creature comforts that we all take for granted. Few people would want to live in these houses unless they are first renovated. There are lots of old stone houses for sale in france, although these are beautiful they require renovations because many of them have been neglected.

It's quite easy to find Period French Properties; the trouble comes when you try to find a good one. You should consider the activities you do each day, would these properties suit you? Sure they are perfectly livable, however you will almost certainly need them modernized. You should get the property checked over by an expert before you embark on any renovation projects. This expert will be able to tell you about the property, also checking the building itself. The electrical wiring will almost certainly need to be upgraded. This expert will be able to suggest what you should concentrate on changing or improving first.

Before starting your French Property renovation you should ideally work out a budget. Work out how much everything will cost, after all there is no point starting the project if you cannot afford to finish it. You should also allow extra money for a contingency fund, just in case anything costs more than expected. When planning your renovation it is a good idea to hire a professional architect in order to look over all of the tasks. Your architect will be a god send as they will be able to advice you in terms of building regulations.

How to hire a builder or an Architect

Before you are allowed to make renovations on a French property you may first need to acquire a building permit. This is the case if your house is protected by a preservation order, or it is in the list of historic monuments. Your architect should be able to advise you whether or not you need a permit, and even get it for you should you need one. When you hire a builder or architect always make sure that they are officially registered in France. It is possible to check this out, ask for important information such as his Siret number, this is issued by the chamber of commerce. Also ask for insurance details. It is absolutely vital that you hire someone that knows exactly what they are doing you don't want someone that will make the building worse.

About the Author:

John Bakers often edits newsletters on subjects related to construction. You might see his abstracts on bay window seat over at http://www.replacement-windows-tips.com . Don't reprint this exact article. Instead, reprint a free unique content version of this same article.

Finding A Successful Balance

By Healthy Wealthy nWise

James Ray, the son of a Protestant minister, grew up with a varied religious background. He wasn't the type of child who enjoyed sports or school dances. He preferred reading books. His favorites were religious and philosophical in nature. Although his father raised him with traditional Christian beliefs, James always had an open mind about what other cultures believed.

As a teenager, James Ray wanted to learn how the universe works, so he began studying Buddhism, philosophy, and quantum physics. Today, he teaches people some of the same ideas he gathered in his childhood. He encourages people to dive deeply into one subject and be a true student rather than constantly seeking a bit of everything.

Before becoming a spiritual teacher, James Ray James ray was a top sales manager and in charge of AT&T's School of Business. It was his job to train others in the company, and in doing so, he taught them how to think differently, act differently, and feel differently to get results.

James Ray left AT&T to venture out on his own in 1992. Before getting into spiritual teaching, he first worked as a corporate consultant and trainer. James felt he could have an impact on the bottom line of a corporation by training individuals within each company. After all, what is a company without its employees?

James Ray started a program called Harmonic Wealth as a way to spiritually connect people with their passions. Harmonic Wealth isn't about money as the name may imply, but rather it's about spiritual balance and fulfillment. No one can be happy with money alone. Even rich people feel the burden of financial insecurity. Through the Harmonic Wealth program, James teaches five key areas of balance.

The five key areas, or pillars, that James Ray teaches his students to balance are financial, relational, mental, physical, and spiritual. After you figure out what your passion is, you can incorporate it into your life through each of the pillars. When you do, your life will come alive with fire.

Each of the five pillars depends on the stability of the others, so balance, James believes, is essential. You can't think about how much you love your spouse if you're in the middle of an argument about money, and you can't give a presentation at work if you have a sore throat. Harmonic Wealth means you can't be happy with money alone. You need all areas of your life to be in tip-top shape.

James Ray has made appearances on the Oprah Winfrey show and Larry King Live. He was also in the movie "The Secret," which is in many ways similar to his Harmonic Wealth program. Balance is required in Harmonic wealth, and you have to go "three for three" with The Secret through focus of your thoughts, feelings, and actions. Find a successful balance, and find a successful life!

About the Author:

Enter the life of James Ray, World Thought Leader James Ray. You've seen him in "The Secret" and on Oprah. This is your chance to learn new ideas as James shares his unique way of living, and teaches you to create harmonic wealth financially, relationally and spiritually Click here to get your own unique version of this article.

Make The Right Decision When Picking Your Car Insurance Provider

By Amy Nutt

Choosing a car insurance provider is not like buying a sandwich or a new pair of shoes. Car insurance is a big commitment, a large expense, and potentially a major influence on your life. Choosing the wrong insurer or benefits package might cause you to pay far more than necessary, or even cost you thousands of dollars in the event of an accident.

First off, use every resource at hand when choosing an insurance provider. Ask your friends what company they use, but remember insurance premiums are highly individualized, and one company that gives someone you know a great deal might not do so for you.

There are dozens of popular internet sites devoted to car insurance advice. Do your research. See what the best options are for you, and follow up on them. Other websites will generate quotes for you from multiple insurers. Using these sites is a great way to see how different companies compare. You'll save a great deal of money by taking your time and finding the insurance company that offers you the most affordable package.

Almost every reputable company has a toll-free number you can call where you can talk to a representative. Don't be shy about using these numbers. If you have a question, call and ask. Any company that is worth considering should take the time to help you find out what you need to know. Plus, talking with a representative will give you a taste of how well a particular company treats their customers.

Once you find an insurance provider that offers you a reasonable rate, be sure the company is reputable and the insurance package you are considering is worthwhile. Do a quick internet search and find out what people are saying about the company. Are you finding lots of negative comments? Are they treating their customers unfairly? Be sure the company of your choice has a good reputation. One company might seem like the best option because of its low price, but if they have poor customer service or have a policy of refusing claims, you may not be happy in the long run.

Another important thing to consider when choosing a car insurance provider is what type of insurance you want. Different companies cater to different needs. Some serve people after a bargain. Others serve more demanding customers who are willing to spend more.

Know what your needs are. Are you driving an aging economy car? Then you might not want a full coverage package that costs a lot of money. Consider buying liability-only insurance from a low-cost insurer. Are you driving a brand-new luxury automobile? Then find an upscale insurer that will give you top-to-bottom comprehensive coverage.

Remember, nearly all provinces in Canada legally require drivers to have some form of auto insurance. Insurance is not to be taken lightly. Ignoring it altogether can cause you to get your car impounded, lose your driver's license or even be thrown in jail.

Taking the time to buy car insurance from a reputable, quality insurance company can potentially save you thousands of dollars and lots of legal trouble.

About the Author:

There is a lot of choice when it comes to picking an auto insurance provider. The biggest decision to be made is whether or not to purchase insurance directly from an agent, or to utilize a broker The best way to ensure adequate coverage is to get a lot of quotes before you make a decision. This article is available as a unique content article with free reprint rights.

Being Prepared For Your Move Can Help You Avoid Ruining It

By Amy Nutt

As anyone who has done it knows, moving is no simple task. It's costly, time-consuming, exhausting, and all around not fun. Moving can easily turn into a disaster, but there are ways to avoid it. Here are some tips to prevent common moving pitfalls and make your transition into a new home as painless as possible.

Lack of money.

Whether or not you hire movers, you will spend money when you move. There are things such as truck rentals, shipping costs, tape and moving boxes, time off from work, gas expenses and sometimes even plane tickets. Begin planning well in advance, and budget extra money for emergency expenses. You never know what problems might sneak up on you. Be prepared. You also might want to check your homeowners or renters insurance to see if your belongings are covered while in transit. If you are hiring movers, get several quotes so you know you're getting a good price.

Lack of time. Certain times of the year are busy moving times. Professional moving companies can get booked up, so book in advance to be sure that your moving needs will be accommodated. Before moving day comes, plan your time out and know how long you will spend doing particular tasks. If you're counting on moving everything in one day, be sure that it is a realistic timeframe. Some professional movers will pack your stuff into moving boxes for an additional fee if you're particularly rushed.

Having too much stuff. You might be attached to your cinderblock collection, but do you really need it? As a rule, try to sell or give away things you haven't used in the previous 12 months. The less things you have, the easier and more streamlined your move will be. If you need to put things in storage, make sure they are in stackable, sealed boxes to keep dust and rodents away.

Measurement Issues. Uh oh. The fridge is too big to fit in the front door. Measure any large object or appliance, and be absolutely sure it will fit through doorways and into its final resting place. It would be a shame to haul your brand new Frigidaire from Tallahassee to Walla Walla, only to find it doesn't fit in your new kitchen.

Get Good Directions. If you're moving to a new, unfamiliar location, meticulously map everything out and have multiple copies of your directions. Driving an over-sized rental truck is stressful enough on its own, and doing it in an unfamiliar city is sure to add even more stress. Driving the truck in an unfamiliar city with bad directions be akin to a disaster. Check and double-check your directions. If you use an online navigational tool such as Mapquest, check the directions against a map, and keep an atlas with you at all times.

Make Sure You Eat. It sounds obvious, but people often forget to take care of their needs when they move. You won't have access to a refrigerator full of food while you move, so plan ahead and pack sandwiches or budget money for restaurant food. After full days of hauling your belongings, you'll be ravenous.

Moves can be very emotional, unforgettable experiences. If you have children, have fun by taking pictures and videos of the move. They'll feel like a part of the experience, and you'll have great memories for years to come.

About the Author:

It's important to be very prepared and organized when you move. Be sure to make a lot of lists, and have plenty of spare moving boxes on hand. This and other unique content 'Moving Boxes' articles are available with free reprint rights.