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	<title>Investment Options, Personal Finance and Stock Market &#187; Investing</title>
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	<description>Investment Options, Personal Finance and Stock Market blog updated frequently with money tips and financial tricks to educate and inform public on managing wealth wisely</description>
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		<title>Fibonacci Forex Trading</title>
		<link>http://smartinvestinfo.com/blog/investing/fibonacci-forex-trading/</link>
		<comments>http://smartinvestinfo.com/blog/investing/fibonacci-forex-trading/#comments</comments>
		<pubDate>Mon, 05 Jul 2010 13:38:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[fibonacci forex trading]]></category>
		<category><![CDATA[forex trading]]></category>
		<category><![CDATA[how to trade forex]]></category>

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		<description><![CDATA[How to trade Foreign Currencies using Fibonacci Retracements and Fibonacci Profit Targets. (Source from YouTube.com) Tags: forex trading, mutual fund, how to trade forex, stock market Related PostsNo Related Post]]></description>
			<content:encoded><![CDATA[<p><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="500" height="405" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://www.youtube.com/v/R6ft90FLI-I&amp;hl=en_US&amp;fs=1?rel=0&amp;color1=0x2b405b&amp;color2=0x6b8ab6&amp;border=1" /><param name="allowfullscreen" value="true" /><embed type="application/x-shockwave-flash" width="500" height="405" src="http://www.youtube.com/v/R6ft90FLI-I&amp;hl=en_US&amp;fs=1?rel=0&amp;color1=0x2b405b&amp;color2=0x6b8ab6&amp;border=1" allowscriptaccess="always" allowfullscreen="true"></embed></object></p>
<p>How to trade Foreign Currencies using Fibonacci Retracements and Fibonacci Profit Targets.</p>
<p>(Source from YouTube.com)
<p>Tags: <a href="http://technorati.com/tag/forex+trading" rel="tag">forex trading</a>, <a href="http://technorati.com/tag/mutual+fund" rel="tag">mutual fund</a>, <a href="http://technorati.com/tag/fibonacci+forex+trading" rel="tag">fibonacci forex trading</a>, <a href="http://technorati.com/tag/foreign+exchange" rel="tag">foreign exchange</a></p>
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		<title>The difference between money market accounts and certificates of deposit</title>
		<link>http://smartinvestinfo.com/blog/investing/the-difference-between-money-market-accounts-and-certificates-of-deposit/</link>
		<comments>http://smartinvestinfo.com/blog/investing/the-difference-between-money-market-accounts-and-certificates-of-deposit/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 13:41:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>

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		<description><![CDATA[A money market account (MMA) is a high interest savings account, which can be opened quickly and easily at almost any bank, like any regular savings account. MMA pays higher interest than a regular account, has higher minimum balance requirements, $1,000 to $2,500, and allows three to six withdrawals per month.   The money deposited in [...]]]></description>
			<content:encoded><![CDATA[<p>A money market account (MMA) is a high interest savings account, which can be opened quickly and easily at almost any bank, like any regular savings account. MMA pays higher interest than a regular account, has higher minimum balance requirements, $1,000 to $2,500, and allows three to six withdrawals per month.  </p>
<p>The money deposited in a money market account is invested through the bank or credit union, which collects the return. The interest paid to the account beneficiary is left in the account, but the bank loans that money to other accounts by charging a slightly higher interest for the loan than the interest paid to the account beneficiary. Therefore, the bank makes money by selling money, but it offers the flexibility to the account beneficiary to get the money quickly and easily and without having to pay any sort of penalties. </p>
<p>A certificate of deposit (CD) is issued by commercial banks and brokerage firms, with specified interest rate and maturity date. Maturity date may be from three months to five years and the funds may not be withdrawn on demand before the maturity date. At the end of the term, which is typically three months up to one year, the deposit is returned with interest.  </p>
<p>Certificates of deposit are relatively safe and account beneficiaries know the return they will receive before maturity date. CDs have higher returns than savings accounts and they protect the beneficiary from the fluctuations of the stock market. On the other hand, the returns are lower than other investments, including money market accounts and the money is tied up until maturity, without the option to get it out without paying a harsh penalty.  </p>
<p>Money market accounts provide greater liquidity than certificates of deposit since the beneficiary may withdraw the money at any time without penalty, but they tend to have lower interest rates than certificates of deposit. On the other hand, a certificate of deposit is purchased for quite long time. Investors know that penalties for early withdrawal are expensive depending on how much money is invested in the CD. Also, by withdrawing the money before maturity means that investors lose as much as 6 months of the interest that the investment has already earned. </p>
<p>Conclusively, certificates of deposit offer an easy solution for risk-adverse investors, who want only to maintain their capital as they can calculate expected earnings on maturity. However, money market accounts are preferable. The reason is that brokerages firms automatically sweep the uninvested cash into money markets to earn interest between investments. This is ideal for the regular investors, who can use the funds immediately to purchase stocks, bonds, or mutual funds.</p>
<p>      <span style="font-size:90%; font-style:italic;">
<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/the-difference-between-money-market-accounts-and-certificates-of-deposit-854186.html" title="The difference between money market accounts and certificates of deposit">http://www.articlesbase.com/investing-articles/the-difference-between-money-market-accounts-and-certificates-of-deposit-854186.html</a><br />
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		<title>The ABCs of commodity futures</title>
		<link>http://smartinvestinfo.com/blog/investing/the-abcs-of-commodity-futures/</link>
		<comments>http://smartinvestinfo.com/blog/investing/the-abcs-of-commodity-futures/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 13:41:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>

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		<description><![CDATA[Trading with commodity futures requires specifying in detail the exact nature of the agreement between the buyer and the seller in order to make sure that the two parties will meet the contract. The largest exchanges on which futures contracts are traded are the Chicago Board of Trade (CBOT) and the Chicago Mercantile Exchange (CME). [...]]]></description>
			<content:encoded><![CDATA[<p>Trading with commodity futures requires specifying in detail the exact nature of the agreement between the buyer and the seller in order to make sure that the two parties will meet the contract. The largest exchanges on which futures contracts are traded are the Chicago Board of Trade (CBOT) and the Chicago Mercantile Exchange (CME). Commodity futures include pork, bellies, live cattle, sugar, wool, lumber, copper, aluminium, gold and tin. </p>
<p>When developing a new commodity futures contract, the exchange must specify in detail the asset, the contract size, where delivery will be made and when delivery will be made. Sometimes alternatives are specified for the grade of the asset that will be delivered or for the delivery locations. As a general rule, the party with the short position (the seller of the commodity) will choose what will happen when alternatives are specified by the exchange. Particularly, for commodity assets, there may be quality variations of what is offered in the marketplace. Therefore, when the asset is specified it is essential that the exchange stipulates the acceptable grade or grades of the commodities. </p>
<p>The contract size specifies the amount of the asset that has to be delivered under one contract. If the contract size is too large, investors with small exposure cannot hedge or speculate through the exchange. In the contract size is too small, investors engage in expensive trading as there is a cost associated with each contract traded. </p>
<p>Delivery arrangements are also specified by the exchange. This is particularly important for commodities that involve high transportation costs, which affect the delivery place. Also, a futures contract is referred to by its delivery month. The exchange must specify the precise period during the month when delivery can be made. Typically, the majority of futures contracts are not delivered because most traders choose to enter into the opposite type of trade that the original one (close out their positions) prior to delivery period specified in the contract. </p>
<p>For most commodity futures contracts, daily price movement limits are specified by the exchange. A limit move is a move in either direction equal to the daily price limit. If the price moves down by an amount equal to the daily price limit, the contract is said to be limit down. If the price moves up by the limit, it is said to be limit up. Typically, trading ceases for the day once the contract is limit up or limit down.</p>
<p>Price limits and positions limits aim to prevent large price movements deriving from excessive speculation. However, they can also become an artificial barrier to trading when the price of the underlying commodity is increasing or decreasing swiftly. </p>
<p>To illustrate how commodity futures are settled, let’s suppose that John believes the domestic fall production of oats has been under estimated in mid-summer, while Peter thinks the domestic fall production of corn has been over estimated in mid-summer. Using the commodity exchange as a market place, since John believes corn prices will decline, he sells a futures contract, and Peter buys a futures contract because he believes the price is going to increase. Assume that John and Peter sell and buy their contracts for the same price and they are held by each other, and in three months, John must buy back his contract and Peter must sell back his contract. By both individuals ending up with no obligations, this clears the market and there is no credit risk involved as cash flows are spread until the underlying commodity reached maturity. Furthermore, the contract price is allowed to freely change in value during the three months depending on the change in supply and demand for the underlying commodity.  </p>
<p>Now, depending on what happens to prices during the following months, the contract will remain unchanged in value, appreciate, or depreciate: (1) if the value doesn&#8217;t change, neither person benefits, (2) if the value appreciates, Peter would earn a profit by selling back his contract at the new higher price and John would lose money by buying back his contract back at the new higher price, and (3) if the value depreciates, Peter would lose money by selling back his contract at the new lower price and John would profit by buying back his contract at the new lower price.  </p>
<p>Overall, trading with commodity futures is a good way to make money, but there are also pitfalls involved. Commodity markets are highly volatile and are likely to remain volatile mainly because of geopolitical concerns, contracted demand-supply fundamentals, growth and inflation pressures and many other factors that put pressure on the global commodity market. On the other hand, in majority, commodity markets are broad and liquid and transactions can be completed quickly. This eliminates the risk of adverse market moves, which can be made between the time of the decision to trade and the trade&#8217;s execution.</p>
<p>      <span style="font-size:90%; font-style:italic;">
<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/the-abcs-of-commodity-futures-854182.html" title="The ABCs of commodity futures">http://www.articlesbase.com/investing-articles/the-abcs-of-commodity-futures-854182.html</a><br />
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		<title>A guide to using Standard &amp; Poor&#8217;s 500 Index</title>
		<link>http://smartinvestinfo.com/blog/investing/a-guide-to-using-standard-poors-500-index/</link>
		<comments>http://smartinvestinfo.com/blog/investing/a-guide-to-using-standard-poors-500-index/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 13:41:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>

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		<description><![CDATA[Standard &#38; Poor’s 500 Index (S&#38;P 500) is a stock index, which tracks changes in the value of a hypothetical portfolio of 400 industrial stocks, 40 utility stocks, 20 transportation companies stocks and 40 financial institutions stocks. The total of 500 different stocks is weighted proportionally to each stock’s market capitalization relatively to a particular [...]]]></description>
			<content:encoded><![CDATA[<p>Standard &amp; Poor’s 500 Index (S&amp;P 500) is a stock index, which tracks changes in the value of a hypothetical portfolio of 400 industrial stocks, 40 utility stocks, 20 transportation companies stocks and 40 financial institutions stocks. The total of 500 different stocks is weighted proportionally to each stock’s market capitalization relatively to a particular base period. S&amp;P 500 Index accounts for the 80% of the total market capitalization of the New York Stock Exchange (NYSE), while two contracts on S&amp;P 500 are traded on the Chicago Mercantile Exchange (CME).  </p>
<p>The base-weighted aggregate methodology used by S&amp;P 500 is a set of combined variables, namely price and number of shares. By multiplying the stock price by the number of common shares outstanding, investors may calculate the market capitalization of a company. Then, they find the corresponding indexed number, which represents the results of each calculation and they can understand how the Index tracks the particular stock over time.  </p>
<p>The total-return calculation of the S&amp;P 500 Index has progressively become highly appreciated by the Association for Investment Management and Research&#8217;s (AIMR) and the Securities and Exchange Commission. In order to calculate the total returns for any equity security of the S&amp;P 500 Index for a given time period, an indexed dividend is added to the closing S&amp;P 500 Index value for that period and the total is divided by the closing S&amp;P 500 Index value at the beginning of the time period.  </p>
<p>To calculate the indexed dividend, which is the dividend distribution of the companies in the S&amp;P 500 Index, the total daily dividends for all of the stocks in the Index for a given time period are added. The total is converted into an indexed number by being divided by the Index divisor, which is the basis for comparability at any given time, and for any required adjustments due to changes in the equity composition of the Index. The calculations of the Indexed Dividend are based on the ex-dividend date and not on the payment date in order to consider any the market price adjustment occurring for the dividends. </p>
<p>The formula used to calculate the indexed dividend is: </p>
<p>Total Daily Dividends / Index Divisor = Indexed Dividend </p>
<p>What makes S&amp;P 500 Index attractive is its high liquidity. This is due to the fact that S&amp;P 500 comprises of a great variety of companies from several industries, which offers to investors the opportunity to buy stocks from Technology, Healthcare, Financial Services and Telecommunications sectors at a low cost since there is no need for active management to track, analyze and pick stocks.  </p>
<p>By and large, S&amp;P 500 Index tracks also a large number of mutual funds, which employ short sales of securities listed in the S&amp;P 500. By applying leverage through futures contracts and stock and index options, S&amp;P 500 Index has become one of the world’s most popular trading tools.</p>
<p>      <span style="font-size:90%; font-style:italic;">
<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/a-guide-to-using-standard-poors-500-index-854188.html" title="A guide to using Standard &amp; Poor's 500 Index">http://www.articlesbase.com/investing-articles/a-guide-to-using-standard-poors-500-index-854188.html</a><br />
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		<title>A look at naked short selling of stock</title>
		<link>http://smartinvestinfo.com/blog/investing/a-look-at-naked-short-selling-of-stock/</link>
		<comments>http://smartinvestinfo.com/blog/investing/a-look-at-naked-short-selling-of-stock/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 13:41:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>

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		<description><![CDATA[An option gives the holder of the option the right to buy or sell an asset, but the holder does not have to exercise the option. Unlikely in futures or forward contract, where the two parties are committed to some action, options are fundamentally different.  Options are classified into call options and put options. A [...]]]></description>
			<content:encoded><![CDATA[<p>An option gives the holder of the option the right to buy or sell an asset, but the holder does not have to exercise the option. Unlikely in futures or forward contract, where the two parties are committed to some action, options are fundamentally different. </p>
<p>Options are classified into call options and put options. A call option gives the holder the right to buy an asset by a certain date (maturity date) for a certain price. A put option gives the holder the right to sell an asset by a certain data for a certain price. </p>
<p>In every option contract there are two sides. On one side is the investor who has bought the option (long position) and on the other side is the investor, who has sold the option, i.e. has written the option (short position). The investor, who buys the option, gives to the writer of the option cash or borrows money using a margin account. The initial margin, which is the amount that initiates the contract, is typically 50% of the value of the underlying asset and the maintenance margin, which guarantees that the account will always remain positive, is typically the 25% of the value of the underlying asset. </p>
<p>A naked call option is an option that in not combined with an offsetting position in the underlying asset and the option writer does not own the stock. Naked call option is highly risky because if the calls are exercised the writer has to buy the underlying asset on the spot market at a higher price in order to deliver it. This strategy is used by an investor who is interested in buying a stock below its market price.  </p>
<p>The initial margin required by the Chicago Board Options Exchange (CBOE) for a written naked call option is greatest of (1) the 100% of the proceeds of the sale plus a 20% of the underlying asset less the amount by which the option is out of the money or (2) the 100% of the proceeds plus a 10% of the underlying asset’s price. </p>
<p>Example:</p>
<p>We assume that an investor writes three naked called options, where option price is $8, strike price is $42, and exercise price is $39. The option is $3out of the money, i.e. the strike price is greater than the exercise price by $3.  </p>
<p>To decide on the initial margin, we calculate as follows: </p>
<p>(1)      300 x [8+ (20% x 39) – 3] = 300 x ( 8 +7.8 – 3) = $3,840</p>
<p>(2)      300 x [8+ (10% x 39)] = 300 x (8 + 3.9) = $3,570 </p>
<p>The initial margin requirement for this naked call option is therefore $3,840. </p>
<p>There has been a lot of discussion as to whether naked short selling is legal. Although, advocates of naked short selling assert that is not necessarily a violation of the federal securities laws, still it is illegal if it causes a decline in the market prices. Typically, traders borrow a security before they sell it. Therefore, if a trader sells a stock short, without having borrowed the security, or without determining that it can be borrowed, then this traded is engaged in illegal naked short selling.</p>
<p>      <span style="font-size:90%; font-style:italic;">
<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/a-look-at-naked-short-selling-of-stock-854190.html" title="A look at naked short selling of stock">http://www.articlesbase.com/investing-articles/a-look-at-naked-short-selling-of-stock-854190.html</a><br />
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		<title>N.V.L.S.E Investment Opportunity</title>
		<link>http://smartinvestinfo.com/blog/investing/nvlse-investment-opportunity/</link>
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		<pubDate>Wed, 08 Apr 2009 13:41:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>

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		<description><![CDATA[Hi Guys! Thank you for all of your email enquiries, due to the volume of emails, I am sorry for not responding to all of you. However, I have just composed this article to answer your questions about what is N.V.L.S.E and how does it help you advance, overcome barriers to health, and achieve your [...]]]></description>
			<content:encoded><![CDATA[<p>Hi Guys!</p>
<p>Thank you for all of your email enquiries, due to the volume of emails, I am sorry for not responding to all of you. However, I have just composed this article to answer your questions about what is N.V.L.S.E and how does it help you advance, overcome barriers to health, and achieve your dream goals. Those of you who were interested in the investment program of  N.V.L.S.E also find the answers here.</p>
<p><strong>The secret of N.V.L.S.E</strong><br /> N.V.LS.E Brain tool is based on Breakthrough Research in Neuroscience and Psychology of achievement. The neuro visual &amp; Linguistic Syntax Encoding Brain tool, was once reserved only to big government organisation such as NASA, CIA, FBI, military, those in the show business, sport Olympics, wannabe celebrities and the rich and powerful.</p>
<p> Why do you think the government do not want to implement mind training in schools, colleges, and universities? It comes to no surprise that the program give people and companies bit of an edge. Why do you think that philosophy, the science of thinking was not part of the national curriculum until individuals reach mature age? </p>
<p> By the time an individual reaches the mature age, he or she would have already been brain washed by the system, be it government or religious organisation. The mature person finds it so hard to let go from memory implants of his past conditioning. Thus the mature person would have already been owned by the system, and remains a slave to his superiors, and circumstances.</p>
<p> Governments never created special mental and emotional training schools to teenagers to become their full potential, so they let them reach a mature age after massive memory implants, and indoctrinated by political systems, religious dogma and corporate brain washing. As I said above, once a teenager reaches adulthood, they Find it so hard to let go from implanted belief systems. </p>
<p> The children who are now adults form part of the propaganda system, hypnotized into believing that the world is scarce, that abundance is unreachable, that they are doomed to remain under subsistence level. These very individuals will fight against anyone who tries to free them from the system. Very few become self actualized, self-regulated moral agents.</p>
<p> <strong>The Self-Actualised Winner</strong><br /> Psychologist Abraham Maslow recognized self-actualization, the yearning to do something praiseworthy, as the chief glory of human need. Of course, how one achieves self-actualization is a subjective matter, but I believe that starting a new, from where you are, to free yourself from illusion and tyranny of routine.</p>
<p> Truly, self-actualization takes guts and courage of becoming your full potential &#8211; ultimate personal power through mental training.. I argue that most of us function at a level that represents a very small percentage of what we could be &#8211; maybe around 2% or 3%. Through Brain Mind Technology (N.V.L.S.E) we can quickly raise our level to 5% or even 10%.</p>
<p> Self-actualization entails improving the software in our brain. As a computer, it is the software that drives the hardware. When you don&#8217;t train the mind to its peak performance, you are leaving your life to someone else to control it. N.V.L.S.E has a tremendous power to develop you into the person you desire to become, the actualiser, and the attractor of all the things you choose to have.<br /> <strong><br /> N.V.L.S.E</strong> includes (but isn&#8217;t limited to) the following:</p>
<ul>
<li> ascertain that you are your own person, nobody controls you</li>
</ul>
<p>• Shift your thinking and shape up your perception from that of a subject-slave to that of a free sovereign</p>
<ul>
<li> Develop insight, intuition, and psychic power. </li>
</ul>
<p>• Crystallizing your understanding of the nature of your &#8220;mind power&#8221;</p>
<ul>
<li> Regaining your personal power. </li>
<li> unleashing your genius within, your infinite creativity and intelligence</li>
</ul>
<p>• Developing your ability to encode insightful fresh data from the cosmic ether to support you in the achievement of your desired dream goals<br /> • Develop your social and business skills, including networking skills to help you submerge and attract competent people to work with you.</p>
<ul>
<li> You become the master of your time management </li>
<li> You become the beacon of entrepreneurial skills. </li>
<li> Improving health and fitness, </li>
</ul>
<p>• Expand your life span with the knowledge you will gain from the infinite reservoir of your consciousness</p>
<ul>
<li> Empower and master your emotional control. </li>
<li> Becoming the beacon of decision-making.</li>
</ul>
<p>So we are really talking about sophisticated intelligence that anyone can tap into it to free themselves from tyranny of routine.</p>
<p> SOPHISTICATED INTELLIGENCE PROGRAMMING IS THE CULMINATION OF SUCCESS PROGRAMMING DESIGNED THE NEUROSCIENCE WAY. IF ARTIFICIAL INTELLIGENCE HAS DRIVEN TECHNOLOGY, COME AND SEE WHAT AND HOW SOPHISTICATED INTELLIGENCE RAPIDLY METAMORPHOSES MAN TO GO FROM BEING A TRAMP TO RICHES, FROM BEING AN ILLITERATE IN HIS ADULTHOOD TO GAINING UNIVERSITY DEGREE, FROM BEING TERMINALLY ILL, and then, FULLY RECOVERS.</p>
<p> There are NO meetings to attend<br /> NO expensive seminars to go to<br /> NO workshops or training days to book. <br /> No expensive coaches, <br /> No more reading 500 pages +<br /> No more listening to dozens of audio CDs to achieve your dream goal.</p>
<p> You have the world best coaching system tool to use as often as you desire, and in the privacy of your own home.</p>
<p> Hold on tight,<strong> N.V.L.S.E</strong> is going into an audio written format, we will advice you on its launch. Thank you for reading and your willingness to share new knowledge with mankind.</p>
<p> Any Investors interested in this mega program can contact me direct 07999 579 135 Andre</p>
<p> Many Blessings From The Soul of Truth &amp; Divine Love</p>
<p> Andre Zizi</p>
<p>      <span style="font-size:90%; font-style:italic;">
<p><a rel="nofollow" target="_blank" href="http://www.ecademy.com/account.php?id=167903">Andre Zizi</a><br />
Author &#8211; The Spiritual Psychology of the Science of <a rel="nofollow" target="_blank" href="http://money-phology.blogspot.com">Money-Phology</a><br />
A Philosophy Graduate &amp; Therapist. Philosopher/Mentor/Teacher</p>
<p>Any questions about the program, do send me your inquiries, and I shall endeavour to help you with tips for free. <a rel="nofollow" target="_blank" href="mailto:ziziworld@hotmail.com">ziziworld@hotmail.com</a></p>
<p>The first program developed in USA and attracted $250 million Wall street investors. if you are an investor, then do ring or send me a text, on  00 44 (0) 7999 579 135  Andre</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/nvlse-investment-opportunity-855434.html" title="N.V.L.S.E Investment Opportunity">http://www.articlesbase.com/investing-articles/nvlse-investment-opportunity-855434.html</a><br />
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		<title>A look at short selling stock</title>
		<link>http://smartinvestinfo.com/blog/investing/a-look-at-short-selling-stock/</link>
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		<pubDate>Tue, 07 Apr 2009 14:32:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>

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		<description><![CDATA[Short selling is an arbitrage strategy, which involves the selling of an asset that is not owned by an investor. Investors use short-selling when they believe that a company’s sales are slowing and earnings will drop. However, this strategy is addressed to risk-takers and not to risk-adverse investors. The reason is that, historically, the stock [...]]]></description>
			<content:encoded><![CDATA[<p>Short selling is an arbitrage strategy, which involves the selling of an asset that is not owned by an investor. Investors use short-selling when they believe that a company’s sales are slowing and earnings will drop. However, this strategy is addressed to risk-takers and not to risk-adverse investors. The reason is that, historically, the stock market rises in value over time, but short-selling moves in the opposite direction of the market. Therefore, it requires precise timing, which is a difficult feat.  </p>
<p>We assume that an investor instructs his broker to short sell the shares of company X. The broker will carry out the instructions by borrowing the shares from another client and selling them in the market at the current market price. If the stock’s market price declines, the investor covers the short position by buying back the shares, which are then returned to the lender. The difference between the price the investor sells the security and the price he pays to buy it back, minus commissions and expenses for borrowing the stock is the investor’s profit. If the stock’s market price increases there are unlimited potential losses. </p>
<p>Example</p>
<p>To illustrate the example with numbers, we assume that an investor holds 400 shares of company X and decides to short them in February when the share price is $100. The short position is closed by buying the shares back in June when the price per share is $80. We also assume a dividend of $2 is paid in April. Since the price per share declined, the investor will receive profit. </p>
<p>To calculate the net gain we need to calculate the difference between the cost of buying the shares in February and the return received from selling the shares in June, minus the dividend paid in April. Therefore, the net gain is: </p>
<p>(400 x $100) – (400 x $80) – (400 x $2) = $40,000 – $32,000 &#8211; $800 = $7,200 </p>
<p>Illustration of closing the sort position </p>
<p> </p>
<p>Purchase of shares</p>
<p>February: Purchase of 400 shares for $100 = 400 x $100 = &#8211; $40,000</p>
<p>April: Dividend $2 per share = 400 x $2 = $800</p>
<p>June: Sell 400 shares for $80 = 400 x $80 = $32,000</p>
<p>Net gain = $32,000 + $800 &#8211; $40,000 = -$7,200 </p>
<p> </p>
<p>Short Selling of shares</p>
<p>February: Borrow 400 shares and sell them for $100 = 400 x $100 = $40,000</p>
<p>April: Pay Dividend $2 per share = 400 x $2 = &#8211; $800</p>
<p>June: Buy 400 shares for $80 to close the position = 400 x $80 = -$32,000</p>
<p>Net gain = $40,000 &#8211; $800 &#8211; $32,000 = $7,200 </p>
<p> </p>
<p>Implications from short-selling</p>
<p>Short-selling concerns typically rise when markets decline. The most popular targets of short-sellers are firms with small capitalization, which have been driven by momentum investors or firms with high P/E ratios and growth rates such as banks. The recent example of the collapse of Bear Stearns is a typical example of short-selling which occurred several months before the company collapsed and led other institutions to stop doing business with it, fearing it might be in trouble.  </p>
<p>Another implication of short-selling is the allegations about the motives of short-sellers. Short-sellers are accused of driving down the stocks of several firms, by creating collusion and spreading rumours. </p>
<p>Conclusively, short selling is a particularly risk hedge strategy and it is far from being a financial panacea. It is a complicated strategy to execute, because in the long run stock markets tend to rise.  </p>
<p>      <span style="font-size:90%; font-style:italic;">
<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/a-look-at-short-selling-stock-854209.html" title="A look at short selling stock">http://www.articlesbase.com/investing-articles/a-look-at-short-selling-stock-854209.html</a><br />
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		<title>Expectation analysis on expected stock returns</title>
		<link>http://smartinvestinfo.com/blog/investing/expectation-analysis-on-expected-stock-returns/</link>
		<comments>http://smartinvestinfo.com/blog/investing/expectation-analysis-on-expected-stock-returns/#comments</comments>
		<pubDate>Tue, 07 Apr 2009 14:32:54 +0000</pubDate>
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		<description><![CDATA[Investors observe the markets within a rational expectations framework in which they exploit current available information to predict future stock returns. Taking into consideration accounting-related attributes such as price to book (P/B), price to earnings (P/E), and price to cash flow (P/CF), but also market-related attributes such as firm size, trading volume, and market returns, [...]]]></description>
			<content:encoded><![CDATA[<p>Investors observe the markets within a rational expectations framework in which they exploit current available information to predict future stock returns. Taking into consideration accounting-related attributes such as price to book (P/B), price to earnings (P/E), and price to cash flow (P/CF), but also market-related attributes such as firm size, trading volume, and market returns, expectation analysis considers the beliefs of the investors and speculators to best estimate the future direction of stock prices. </p>
<p>Expectation analysis is an investment analysis that enables analysts to forecast the economy’s future direction based on current fundamentals or trends. Given that the accuracy of the estimates cannot be measured when estimates are measured, economic forecasts have to be scientific, that is formulated by verifiable predictions based on explicitly stated statistical method that can be checked or reproduced. Or else, the validity of the forecasts is at stake and the forecast reliability is an unstable basis for further scientific progress. Considering the current financial environment and the assumptions behind the estimates, expectation analysis constantly monitors the data produced in the form of information available to investors in order to identify any changes in the environment or violation of the analyst’s assumptions.  </p>
<p>Expectation analysis is concluded in four stages.  </p>
<p>(1) In the first stage, expectation analysis forecasts the broader economic, political and demographic trends. This stage includes assumptions about monetary and fiscal policy, political conditions and initiatives, trade partnerships and others.  </p>
<p>(2) In the second stage, expectation analysis relates the macroeconomic forecasts to certain sectors of the economy aiming to identify how GDP components &#8211; such as government spending, consumption, investment, and net exports &#8211; change over time.  </p>
<p>(3) In the third stage, expectation analysis relates the macro and sector forecasts from the previous stages to industry analysis. The microeconomic analysis estimates price elasticity, competitive positioning and other micro and macro trends that are particularly relevant to the industry specialization. </p>
<p>(4) In the fourth stage, expectation analysis adapts economic and industry analysis to the individual firm. Within this context, analysts use the Porter’s Five Forces Model which identifies the bargaining power of suppliers, the bargaining power of buyers, the threat of new entrants, the potential substitutes and the current rivalry as the five forces that may affect the competitive structure of the firm. </p>
<p>After each stage of expectation analysis is concluded, relevant variables are produced in order to be monitored in relation to the forecasts made. In this context, expectation analysis tracks the relationship between the analysts’ estimates and the expected industry performance aiming to weigh the implications of new information on industry analysis and economic outlook. In case of violation of the analysts’ assumptions, estimates are reviewed and adjusted to the new market realities so that investors receive accurate information on the state of the economy and rebuild their rational expectations framework for future stock-market performance.</p>
<p>      <span style="font-size:90%; font-style:italic;">
<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/expectation-analysis-on-expected-stock-returns-854216.html" title="Expectation analysis on expected stock returns">http://www.articlesbase.com/investing-articles/expectation-analysis-on-expected-stock-returns-854216.html</a><br />
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		<title>A look at the Black Tuesday crash of the New York Stock Exchange and if it caused the Great Depression</title>
		<link>http://smartinvestinfo.com/blog/investing/a-look-at-the-black-tuesday-crash-of-the-new-york-stock-exchange-and-if-it-caused-the-great-depression/</link>
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		<pubDate>Tue, 07 Apr 2009 14:32:54 +0000</pubDate>
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		<description><![CDATA[The main characteristic of U.S. stock exchange was mass speculation throughout the late 1920&#8242;s. In 1929 alone, a record volume of 1,124 billion shares were traded on the New York Stock Exchange, while in less than one year Dow Jones Industrial average rose from 191 to 381. This situation intrigued investors, who became uninterested in [...]]]></description>
			<content:encoded><![CDATA[<p>The main characteristic of U.S. stock exchange was mass speculation throughout the late 1920&#8242;s. In 1929 alone, a record volume of 1,124 billion shares were traded on the New York Stock Exchange, while in less than one year Dow Jones Industrial average rose from 191 to 381. This situation intrigued investors, who became uninterested in corporate results and focused on the potential profits from the constant increase in the stock prices. Moreover, investors were buying stocks on margin by borrowing from their brokers as they didn’t actually have the money to purchase them. This led to an absurd increase of market performance and incurred huge profits for the investors. In the 1930s, the total of outstanding brokers&#8217; loans was $8.5 billion, while interest rates for broker’s loans were skyrocketing reaching even 20%.  </p>
<p>In this speculative environment, the stock prices had begun declining since September 3, 1929, but on October 21 a free fall of prices panicked mostly the average investors, who started selling quickly in the fear of even greater losses. Although the prices stabilized the next two, on October 24 the system collapsed collectively as institutional and major investors lost confidence in the market. Big banking corporations tried to stop the crash, but it was obvious that the market’s correction mechanisms could not work under these panicky conditions. On Tuesday, October 29, 1929 Dow Jones recorded a decline of 13% and 16.4 million shares changes hands. </p>
<p>Black Tuesday of October 29, 1929 is broadly considered as the beginning of the Great Depression Era for the United States, but also for the economic system around the globe. However, it is a fact that, since September 1929 the U.S. stock exchange had declined by nearly 40% in less than five weeks. It is also a fact that since the beginning of 1920s, capitalist systems had experienced periods of panic and depressions as a result of ineffective economic policies and practices, both governmental and private. In this turbulent environment, investors had lost their confidence to the market before 1929, but they kept on investing being captured by extreme profitability from margin investing.  </p>
<p>Therefore, Black Tuesday did not exactly caused the Great Depression. It was actually a correction of the market considering the 13% losses of that day compared to the average of 40% of the previous weeks. However, as market mechanisms were unable to reverse the situation and force required correction of errors, stock exchange ultimately collapsed.</p>
<p>      <span style="font-size:90%; font-style:italic;">
<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/a-look-at-the-black-tuesday-crash-of-the-new-york-stock-exchange-and-if-it-caused-the-great-depression-854213.html" title="A look at the Black Tuesday crash of the New York Stock Exchange and if it caused the Great Depression">http://www.articlesbase.com/investing-articles/a-look-at-the-black-tuesday-crash-of-the-new-york-stock-exchange-and-if-it-caused-the-great-depression-854213.html</a><br />
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		<title>How stop orders work</title>
		<link>http://smartinvestinfo.com/blog/investing/how-stop-orders-work/</link>
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		<pubDate>Tue, 07 Apr 2009 14:32:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Stop orders are special types of orders that stock exchanges make available to investors. A stop order is an order to buy or sell a stock as soon as the market price reaches a specified price, which is the stop price.  A stop loss order is a conditional market order whereby the investor directs the [...]]]></description>
			<content:encoded><![CDATA[<p>Stop orders are special types of orders that stock exchanges make available to investors. A stop order is an order to buy or sell a stock as soon as the market price reaches a specified price, which is the stop price. </p>
<p>A stop loss order is a conditional market order whereby the investor directs the sale of a stock if it drops to a given price. For example, an investor owns 100 shares of company X, purchased at $50 and expect that the price will rise. In case the investor is wrong, he would want at least to limit the losses. Therefore, to protect the investment, he may set a stop loss order at $45. In case the stock price falls to $45, then the stop loss order will immediately become a market order and the stock will be sold at the prevailing market price. </p>
<p>A related stop loss tactic is a stop buy order, which is an order to buy a stock as soon as the market price reaches a specified price. Investors use a stop buy order when they want to minimize losses in case the market price increases. For example, an investor owns 100 shares of company X, purchased at $50 and expect that the price will fall. To protect the investment from an increase, the investor will place a stop buy order at $55 and the worst case scenario would be $5 per share. Stop orders provide the investors with the flexibility to cancel the first stop order and place a second one if the price of the stock increases. In this example, if the stock price increases to $46, the investor may cancel the stop order of $45, ensuring a loss of $4 per share instead of $5. As the market price rises, the stop order can be continuously adjusted until the price eventually falls and the stop order is executed. </p>
<p>Stop orders are typically placed by active investors, who favour a quick and automatic response to stock price movements. On the contrary, investors who favour buy and hold orders are highly unlikely to use this type of investment strategy. Investors, who use stop orders, do not have to worry if the market will decline sharply causing the profit to be lost. On the other hand, a stop order could be activated by a short-term market fluctuation. This is especially disadvantageous considering that once the stop price is reached, the stop order becomes a market order, which is an order to buy or sell a stock at the best current price. Therefore, in markets fluctuate at a swift pace the market price the investor will receive may be much different from the stop price.  </p>
<p>Generally, stop orders are mostly used for stocks that trade on an exchange than in the over-counter (OTC) market. Market prices fluctuate at a swifter speed in stock exchanges and the intensity at which prices rise or fall triggers investors. However, if a lot of stop orders are placed for a specific stop price, the share price may fall very quickly.</p>
<p>      <span style="font-size:90%; font-style:italic;">
<p>I work as a financial and investment advisor but my passion is writing, music and photography. Writing mostly about finance, business and music, being an amateur photographer and a professional dj, I am inspired from life. </p>
<p>Being a strong advocate of simplicity in life, I love my family, my partner and all the people that have stood by me with or without knowing. And I hope that someday, human nature will cease to be greedy and demanding realizing that the more we have the more we want and the more we satisfy our needs the more needs we create. And this is so needless after all.</p>
<p>Article Source:<a target="_blank" href="http://www.articlesbase.com/investing-articles/how-stop-orders-work-854219.html" title="How stop orders work">http://www.articlesbase.com/investing-articles/how-stop-orders-work-854219.html</a><br />
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