I do not think about buying a first home without reading his

Buying a home is not as easy as many think. There are a large number of children covered by the sweet sound of sales of approximately Bozo trying to sell it for the sole purpose of "their share" in the measure. They are not stupid, these goofballs - it is important to sit down and take some time for things. Our advice to you in search of buying a home: for the whole family, and the whole world will continue. Just because you're the type who assume all costs for the transfer in a hut in the hut did not mean that a decision on the choice should be yours.

The decision that the stay in the hut, which each family member. Here's another suggestion: a solid financial planning may be able to afford a house with a budget you are working. They are not that in your head with more effort, you can not. Receive a monthly payments that are likely to adapt their spending habits. On Friday evening, for example: if you are accustomed to have a tasty roasted Turkey every Friday evening, you may have to change that boring broccoli and all sorts of vegetables.

Not only food, but also how other habits that are used. Finally, it can be compared with mountains of debt problems, you do not want this to happen. Another useful advice when looking to buy a new home or to a question, is an area in sound. You can plan a route, preferably within the first cities in the region. You can finally spend too much time and effort, hoping from one place to another unexpectedly only to achieve nothing. The district is also home to be agreed by all members - are in the immediate vicinity of the villages, all in one day or more.

As close as possible to the Office of the father, mother Lounge, primary school and uncle Pub. Also near the hospital, shopping center, and elsewhere, to provide basic needs. There is a real estate agency will help you in gathering the house will also be of great help if he knows all your needs and suggest that the compensation for each of them. When planning the route of travel in search of the house, it is better with him. We offer advice on optimizing your time and effort. Buying a home can be both a very large investment, which (for most people), to re-take your time and think about such things.

He did not want to buy a shirt, you can shoot if you later regret the decision to purchase, and amending the purchase of a new one. Do you have the thing over and over again, and when you're done with things again just to be safe.
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What should I own shares?

First, you must define its objectives by investing in equities. Then decide how much time and effort you're willing to invest in equities.

If you want to beat the market and are new to the game of securities of its work for you. In addition, securities that can be easily. If you want to participate in the stock market and obtain maximum long-term, traditionally offered investors need to own shares in the fund.

When it comes to stocks, there are some things you should know in advance. Few investors, including professional money managers beat the market by a significant margin in a single database. Even professionals, personal analysis of studies from all parts of the data, usually not more than the main indicator.

You must understand that the election is only half the shares in the game. The other half of the time. The population is still at the top of the stack for an indefinite period. All this does not sooner or later. Examples include Polaroid, Xerox, and even Microsoft. For example, Microsoft has a large public investment in 1990, while the population has reached the end of 1999 at about $ 60 per share (adjusted for a stock unit). He then two years to trade $ 20 to $ 30 range, and now sells for $ 20!

If you want stock investments, do not possess, because it is too risky. You have no more than a dozen, if you want to get a full day of work from the management of your portfolio. Collect a few and for them carefully. If the stock of their losses under the influence of a common market, sell and search for a replacement.

An investor can not afford big losses among the population, and large losses can be avoided if you're selling, a sign of weakness.

The population of the most well-known investors who track major market indexes. These are index funds that trade like stocks on major exchanges. For example, the symbol SPY tracks the S & P 500 Index. If the stock goes up to 30%, SPY next Suite. If it falls 20%, it can be assumed SPY fell by almost 20%.

I suggest you invest in stocks for a large percentage of the money they have on the stocks in equity funds that track the stock market as a whole. They are known to work with the law, rather than the load index, mutual funds, which we have done well.

On the stock market with the rest of his money, if you enjoy the game. Remember that if you invest in shares, you must be a maximum of ownership, possession, and when to stop it.
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Top 10 investment mistakes! Never reached

In this weekend I put some thoughts on personal finance on the forum settings. He asked me to invest in order to share and give. I have a little split in my blog that I thought were a few hard lessons on my system. I think in general, I have very good, but not by much. If I do it all again, I would be definitely something different. So, here are my Top-10 mistakes and investment experience:

1) the cost or high financial advice on asset management. What struck me nuts is the only high rate of spending, investment funds and high cost of a financial consultant fees. You are funny? This is a complete farce, they have beaten the market in order to increase their contributions, and, frankly, not everyone can beat the market, right? There is an average yield of the General Counsel, not smarter than the collective whole in the market if, Warren Buffett, and if so, why not just buy shares in Berkshire? If you're really lazy, to get a reputation, and call it a day. You must not do their homework, and you can return without higher taxes. Acquisition of investment funds with a high cost ratio is simply silly.

2) Time of the market. Well, I have a couple of times and was skewered for it. As Benjamin Graham said,? The market is a voting booth in the day to day, but it is a balance in the long run. If you invest in fundamentally sound companies with growth prospects permitted daily fluctuation, if it is a good and long term basis. When I try to guess by the time that the public could land wind, and I fully pinchos its basic level - the game.

3) no goals. What are you investing? Why? If you do not know the answers to these questions, you do not like the result. When I invested gradually over several days, literally, in school, as well as trade with interruptions during the class, I never had a goal, it was in 1999, and every business seems profitable. It was crazy. I thought it was a guy from my smart shops were profitable, and we did not have goals, I thought it would last forever. I set a goal to complete the payment of the school, or buy a house, or the amount of pension XX - I was able to win the game and can not be against the damage that they are in 2000 and 2001. Set limits and your goals.

4) As part of its investment in general. Credits for investments in the stock market is usually not a good idea. Loans for education, the main house (sometimes) a better idea. I error on the edge, playing at this higher power. Of course, silly that most people lose money investing in this way. Have you ever heard the Gambler's Ruin? The theory is that the person with the least money is always the ruins of the victims. There is nothing better than the market with more yield without excessive risk. The rate may lead to excessive destruction of the entire capital. Not greedy, fat, pigs get slaughtered.

5) purchase of shares on the basis of informal conversations. Ask yourself how often I get the following advice from friends? I now have a rule when I hear, I do the opposite. This is terrible, I was martinis on the beach, at the present time, if I was always the opposite of what my friends told me it was a hot place. That's the thing, if your friend was a hot tip and told the public, will be the price at which the population would be a fair price, if not known to the public, it is unethical and could go to prison. If it's a good thing or a big story, and then in another direction.

6) Put the money to work at any time. This is absolutely the worst advice that I heard. If you just sit on the edge of the last year, and money in the treasury, have kicked ass. Do not jump to raise money to work, please be patient. Cash is a new active (current) in the morning, spend more money in real estate over stocks, so please be patient. Every time you purchase my fingers, I am wounded. Wait a little bit of patience and be ready - I am not defending the market, if they are trying to pave the way, just relax and take your time.

7) How to quickly become rich. I am very skeptical when it comes to land investment, but you hooked me even thought about the possibility of excess returns. If there is anything I can yell at you now, there is no free lunch! Excess returns to more risk than is normally required. Excess risk, usually means that you will lose money. I have some ridiculous scheme of gold and never again. Most often, at least once, but not that we ever happens twice. Again - there is no such thing as a return for no risk!

8) consider that the benefits of the document is the same as cash. As we all know that the current prices may very quickly disappear. Do not "private", thinking that you have more money than they really are. How to be careful and do not spend more money than you have. All common sense. A common side effect, if you believe that profits in the paper money is too easy to document the cost and easy slacker starts to lose value. Value until it is sold. Or sell, or stop thinking about it. Man, I have this ... Ugh.

9) Watch CNBC.

10) It is not its most favorable tax investment. When you get to your Roth IRA account, which is the maximum? Does your company's 401K, so that at maximum? This is a free lunch. Do you have your high return / high risk investments in 401K and Roth, and to a lesser degree of risk in the portfolio of tax? I can not help but note how often I have the opportunity.

Full disclosure - I am currently about 2% in equities. I am terribly bearish on the market, and I am very happy to be on the street. We have a long winter. This place, like all my posts are just my opinion, not as financial advice or recommendations. Make your own decisions and live with the results. Be smart.
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Stock for 2009 upwards

What are the hot stocks in 2009? " It is a question of millions of dollars that people often ask people to date. "Now I am not a consultant, so what I write in this article should not be regarded as the Council, but I am an experienced investor who has some nice gains in recent years . In this article I will give my own thoughts and opinions, which reserves the possibility, even in 2009.

In recent months, stock markets around the world have made a very good thing. Examples include the FTSE in London at 25% above the lowest, the most important Russian market, 90% higher than the lowest price, and the Dow Jones in New York, which is 30% more than the annual low. Investors do not want to lose the boat, and thus directly on the board, and believe that the worst of the credit / recession ended.

Personally, I would like to invest on a monthly basis, for example, instead of investing a certain amount per year is 7200 pounds rather than £ 600 a month. Why invest in this way? This is only the so-called average cost of pounds, if your monthly payment can more units or shares if the price drops lower than it is advantageous if you have a backup.

In addition, they prefer to invest in this fund as the fund for India and not in individual stocks and shares. At this point I investments in the following areas / countries: Japan, Russia, Britain, India and emerging markets.
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Top 3 Tips Forex Trading Strategy

In this article, the strategy of top-3-Forex Trading Tip, you can gain an advantage over the competition and make money in the market, special offers for people with perseverance. Despite the fact that the currency is one many opportunities for trade and investment, this may take a few examples of how trade, not only better but smarter.

Select a currency that is familiar and comfortable. If you are in the market Forex, there are many currencies and currency pairs to trade, including some exotic species as well. Alien species of currencies that are not so many, and this may be the currency of the small countries in the Middle East and Europe. Although there is an option to trade, you should know that there is a reason why so few people in the trading of these coins, because the opportunity to take advantage of a low and level of analysis requires, as circumstances in the currency that can move very archaic in nature. Thus, the choice of the currency pair traded in large part because, in fact, zero-sum market, who can make money on development when you are in the correct position.

In combination with the technical and fundamental analysis. The two main types of information you need to know about the market and its development - so that they can predict market movement and location of their investments in this sector right. Technical analysis gives information about where the market is that it trends in the past and how it ended. This is very modern in the market, but you must do so with a little projection, as a result of fundamental analysis. This kind of analysis in the foreign and environmental factors influencing the market in the future, political, economic and other factors, the market movements. The knowledge that the market is currently and where it might happen that the basic information you need to know when shopping.

One of the best there is "be greedy when others cautious and attentive when others greedy," which means the market may well be one of the wisest decisions you can make. Many dealers, in fact, to wait patiently for the opportunity to sell in the market turning point - if you know that the market presents a unique opportunity to advance, as prices and tariffs are almost reversed. Critical to the information economy and the policies and the effectiveness of central banks in the currency may be advantageous for you and gives you an advantage over their competitors, distributors and some money. Here are the top 3-Forex Trading Strategy Consulting.
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After the dismissal of Health Insurance

The economic crisis makes it difficult for everyone to earn a decent living. Over the past year, millions of Americans lost their jobs because of the recession. But the emotional and financial consequences of losing a steady salary, there is another problem that must be addressed too. One issue that many of the laid-off concerned about their health.

The employer is not willing to pay for effective health care to the employee on the last day of the month in which employment ends. It is very important for people to find health insurance, and for jobs. This is because even if your work directly to your medical insurance will only return after 30 days of the first day of next month.

There are, at least, the difference in the two months that must be filled. In addition, a person may be considered if they are lucky to find a job. Today it is an economically difficult time, the rents in many industries. Here are some alternative sacked worker can see:

Short term medical insurance - health insurance can vary from one month to three years. It is specifically designed to bridge the gap from one to another plan. This type of insurance is the cheapest, but not the costs of treating medical problems. Another disadvantage is that it does not apply to long-term serious illnesses and pregnancy. But as predictable costs such as prescription and patients should be insured.

COBRA - If you are a company with 20 employees, allows their health insurance for 18 months on his own. Because of their high monthly fee, many people with this option if you have a disease, the constant attention.

Personal transformation - this is the same result with the possibility of COBRA, but for small businesses. Individual Conversion will allow staff to your program, plan a group of individual, without conditions.

These three options to employees who were dismissed to enjoy medical benefits until their next job.
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Type investment real estate for the people

Investment Real Estate broad fields of study and practical application of technologies in the market. You can become a real estate investor with experience, but every time when you realize that there is still something to learn more. Then, after a small obligation mistake, regretted it, why the fact that someone has not taught me this. So we are moving in the same subject as a scene out of investments in real estate is a large area that can not handle in one day. But there are a number of Webinars, online seminars, and options that are available these days, and it is up to us, as we choose. This article is part of the foundation, so you do not regret that, "Why am I not continue in this update:

We all believe that it affects real estate, financing, and as such it should be understood that the company is not only the things necessary for the operation is simple. That is, all these things are people.

Investment property can not be removed only our own actions, but we must also understand that the actions of our competitors as well. As a child learns from its mistakes, but for real estate investments, which should draw lessons from the mistakes and the hat, what happens to the competitors as well. Learn from their mistakes, so you can get a general idea of what mistakes have been avoided.
For example, we have a real estate investor from the first part of your home. The owner of the house was an elderly woman whose husband died recently and would like to continue with the urgency of the situation to live with her daughter and grandchildren. His property was more than $ 15,000, but said she just wanted to send the balance of the property and the loan amount of $ 1000 dollars in the current situation before the end of this month. There were hundreds of real estate will always be in the right direction, the real estate, investors, and the woman in this agreement is expected only in its speed.

A woman with real estate investors that real estate is not just real estate, finance, but they are human. People do not always want what the investor thinks they want. It is therefore important that what we are asking them to meet the expectations of not only our own assumptions. The woman was in the house in very good shape, it can be revoked after selling the house for full value, within two months. But that woman was not using the money, but she wanted a very fast operation. They simply wanted a copy of the property behind and go with someone in their face. We know that people are very funny, but we must realize the fact that, rather than simply their own assumptions, it would be helpful to know what they want and not our own assumptions. Then the mutual agreement can be reached after the negotiations.
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Simple Moving Average (SMA)

Simple Moving Average is the simplest type of moving averages. In principle, SMA, is calculated by dividing the last number in the period between the closing and then divide this number by one point. Let me explain, in this example, if you count 5 SMA 1 hour, closing in the last 5 hours, and then divide this number of 5 if you count 30 SMA 5 minutes, add the closing prices over the past 150 minutes (30 * 5) then divide this number of 5 At the same time, SMA could be calculated for any period of time.

Most platforms, all of these calculations for you. The reason why I bother with this component of technical analysis is that it is essential to understand how to calculate the moving average. If you understand how each moving average is calculated, you can create your own decisions on what type is best for you.

Like any other indicator, SMA is a delay. As you can see the average prices, then you actually looked at the "prediction of future prices, but not in the future. Here is an example of how moving averages to reduce the price of activity:

In the table you can use 3 different SMA. As you can see, the greatest period of SMA, is for the best prices. You have probably noticed that the 62 SMA is much further from current prices, from 30 to 5 GHS. This is because with the recent closure of 62 SMA 62 and divided by 62 The greater the number of terms used, the reaction is slower than the evolution of prices. SMA in this diagram shows the general mood in the market during this period. Instead of focusing solely on market prices, moving averages, a broader view and enter the prediction of future prices.

SMA = SUM (CLOSE, N) / N, if:
N = number of periods for the calculation

Exponential Moving Average (EMA)

Although SMA is an excellent tool, one of the biggest problems with it, SMA is extremely vulnerable to sudden jumps (peaks). If you look at the example that the best thing I have in mind:
Suppose you create a 5 SMA in the daily scheme of EUR / USD and the closing for the last 5 days: 1 day to 1.2345, and 1.2350 day 2, 3 days - 1, 2360, Day 4 - 1.2365, Day 5 -- 1.2370. SMA is calculated as follows: (1.2345 1.2350 1.2360 1.2365 1.2370) / 5 = 1.2358. But what if the price of 2 days 1.2300? SMA results will be much smaller, and you get the impression that the price drops, if in fact, may be only 2 days were remote events (eg, reducing the interest rate).

What I am trying to show that SMA can sometimes be too simple. If there is only one way to filter so you do not jumping wrong image and a large part of moving averages. There is, and is called the Exponential Moving Average (EMA).

EMA is a kind of moving average, which is similar to the simple moving average, where more emphasis on more recent data. Exponential Moving Average is also known as an exponentially weighted moving average. "This type of moving average responds quickly past price changes than a simple moving average. In our example above, EMA will be more attention for 3-5 days, which means that the transition to the 2-m is a lower cost and, therefore, have no impact on the moving average. It would be more attention to the dealer what to do now. Although trade is important to see what traders are doing, not what they were doing last week or last month.

EMA = (CLOSE (I) * C) + (EMA (I-1) * (100-P)) if:
CLOSE (I) = the closing price for the current period
EMA (I-1) = exponential moving average of the closing of the previous period
P = proportion of the use of value pricing

Smoothing Moving Average (SMMA)

Smoothed moving average is a kind of cross between a simple moving average and exponential moving average, and only one more use. The moving average, smoothed, recent prices for the same weight of historical faith. In the calculation does not apply to a specific period of time, but it takes all the records should be considered. This is achieved through yesterday? S smoothed moving average to date? S Price. This is the result of yesterday? S smoothed moving average, results to date? S medium.

In a simple moving average, the price data are of equal weight in calculating the average. Even in the simple moving average, the oldest price data from the moving average price will be as new to the computer. The moving average, smoothed with a longer period to determine an average based on the weight of price is calculated as an average. Thus, the prices of old data in a smoothed moving average has never been removed, but have only minimal impact on the moving average, like the exponential moving average places more weight on recent data.

The first value of the smoothed moving average is calculated as a simple moving average (SMA):
SUM1 = SUM (CLOSE, N)
SMMA1 = SUM1 / N

The second and subsequent moving averages are calculated by this formula:
SMMA (I) = (+ SUM1-SMMA1 CLOSE (I)) / N, if:
SUM1 = sum of the closing prices for N periods
= SMMA1 smoothed moving average of the first bar
SMMA (I) = smoothed moving average of the current bar (except the first)
CLOSE (I) = the current price closing
N = smoothing Between
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Learn what types of property should be invest

You may wonder what properties to invest in. Now you are in place to help. If you specialize in homes or condominiums, or should I buy something if it looks like a good business? Before you decide what to do, I would like to describe two basic types of properties available.

Two main types of residential and commercial properties. Residential real estate as something that people can live, such as houses, duplexes, condominiums and multifamily housing. Commercial Real Estate is a place where people of business, such as offices, shops and warehouses.

When choosing between a commercial and residential properties to be selected? Although you can send money in both types of properties, I prefer to recommend that the residential real estate, and for one simple reason.

The whole world should live, that accommodation is generally lower than market prices, so that they are for the average investor. Depending on your area, which is typical for residential property from $ 50,000 to $ 500,000, while for commercial property in early May at $ 500,000, and increase to several million dollars or more.

Understanding the housing market is also much easier than understanding the commercial real estate. For most people their first experience with real estate to buy or sell a house, to the lenders and agents can be used for understanding and for the purchase or sale of immovable property, as these properties are typically bought and sold to experienced real estate investors.

Residential properties easier to buy with little money, because banks and other lenders more willing to loan to home buyers. In the unfortunate event that someone can not afford the mortgage on his house payments, the banks know that they get their money sooner, selling products is excluded.

Commercial real estate typically require more money, because banks in the run-up to know that the commercial real estate are usually harder to sell than residential real estate. Best of all, the accommodation is not only investment but also a place to live. If you have a duplex apartment or house, you could live freely in their capabilities, while letting their tenants pay their rent and mortgage money.

Another important point to remember is the residential premises are also more flexible as an investment tool. Most of the commercial real estate investors of their money by leasing space to retailers such as restaurants, shops and offices. If you can not find your business space, not money, but you still must pay taxes, and their property, their mortgage payments per month.
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