LIVE FOREX TIPS

COT Report

2013-03-23T03:41:00.001-07:00

Futures market speculative positioning data from the CFTC as of the close on Tuesday: EUR net short 44K vs short 25K prior JPY net short 80K vs short 94K prior GBP net short 61K vs short 50K prior AUD net long 54K vs long 7K prior CAD net short 65K vs short 53K prior NZD net long 12K vs long 19K prior CHF net short 10K vs short 13K prior US Dollar Index longs at 54K vs 32K prior It doesn't take much to inspire the market to pile into Australian dollar longs. We saw yen shorts trimmed back this week, which is a good sign if you're thinking of buying USD/JPY at these levels. The market got excited about the drama in Cyprus but anyone holding a euro short since Tuesday is starting to feel a bit of a squeeze.

2013-03-20T12:02:00.002-07:00

Exchange Traded Funds (ETFs) are the hottest thing since the mutual fund. In fact, the investment product is on track to replace mutual funds with its often-lower fee structure and easier-to-understand stock-like price action. ETFs have a not-so-well-known cousin. The exchanged traded note(ETN) is something that many, if not most, retail investors know nothing about. It is time to shed some light on the ETN and decide if this product has a place in your portfolio.

In practice, the two are very similar. Both are designed to track an underlying asset, both often have lower expense ratios than actively managed mutual funds, and both trade on the major exchanges just like stock.

The main difference is under the hood. When you invest in an ETF, you are investing into a fund that holds the asset it tracks. That asset may be stocks, bonds, gold or other commodities, or futures contracts.

An ETN is more like a bond. It's an unsecured debt note issued by an institution. Just like with a bond, an ETN can be held to maturity, bought or sold at will, and if the underwriter (usually a bank) were to go bankrupt, the investor would risk a total default.

2013-03-20T11:57:00.001-07:00

A slang term for an investment strategy that is considered extremely risky. Casino finance refers to casinos and gambling, where players may have little to no control over the outcome of their bets. The terms often refers to large "bets" on investments that are typically high risk, with an anticipated high potential reward outcome. However, as with betting at a casino, the investor could "lose it all"
Casino finance generally refers to high dollar bets in the markets, either involving high risk investments, and/or high leveraged accounts. Investors who employ these tactics are usually taking large risks in order to attempt to earn large rewards. While most investors prefer a more conservative approach, some investors are comfortable undertaking a large amount of risk, in order to have the opportunity to secure large returns

2013-03-18T03:56:00.001-07:00

Many working couples dream of the day when they can retire and sail off into the sunset together. The investment and insurance industries have done much to convince the public that this ideal is possible only with the help of certain products and services, and the financial media has endorsed that idea. However, working couples should take a moment to consider whether retiring at the same time is a wise course of action. This article will compare the financial ramifications of joint retirement versus one spouse working longer than the other, and why the latter option may be more advantageous in the long run.

the tax benefits of having spouse

Another major factor to consider is health insurance. If, in the previous example, Larry continues to work for another five years, he can keep his health coverage provided through his employer. This would save the couple from having to pay for five years of higher health insurance premiums at an individual rate.

Find secure and affordable post-work health insurance
Retirement in the modern era can be an emotionally complex proposition. Losing one's sense of identity through work can be a major adjustment for some, while others are able to make this transition with relatively little difficulty. When a working couple retires, they suddenly find themselves at home together all the time, without the separation of work that they may have become so used to. This sudden increase in time spent together can often disrupt established relational boundaries. As such, it may be easier for couples if only one spouse goes through this process at a time, especially if either spouse expects to have difficulty adapting to the new lifestyle

2013-03-17T00:36:00.002-07:00

A policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.Auto insurance premiums, or the amount policyholders pay to be insured, vary depending on: age, gender, years of driving experience, accident and moving violation history, and other factors. Most states mandate that all vehicle owners purchase a minimum amount of auto insurance, but many people purchase additional insurance to further protect themselves. A poor driving record or the desire for more complete coverage will lead to higher premiums. However, you can reduce your premiums by agreeing to take on more risk, which means increasing your deductible
A slang term for an investment strategy that is considered extremely risky. Casino finance refers to casinos and gambling, where players may have little to no control over the outcome of their bets. The terms often refers to large "bets" on investments that are typically high risk, with an anticipated high potential reward outcome. However, as with betting at a casino, the investor could "lose it all

Casino finance generally refers to high dollar bets in the markets, either involving high risk investments, and/or high leveraged accounts. Investors who employ these tactics are usually taking large risks in order to attempt to earn large rewards. While most investors prefer a more conservative approach, some investors are comfortable undertaking a large amount of risk, in order to have the opportunity to secure large returns

2013-03-14T11:44:00.002-07:00

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2013-03-09T21:18:00.004-08:00

According to Anglo-American property law, a mortgage occurs when an owner (usually of a fee simple interest in reality ) pledges his or her interest (right to the property) as security or collateral for a loan. Therefore, a mortgage is an encumbrance (limitation) on the right to the property just as an easement would be, but because most ages occur as a condition for new loan money, the word mortgage has become the generic term for a loan secured by such real property . As with other types of loans, mortgages have an interest rate and are scheduled to amortize over a set period of time, typically 30 years. All types of real property can be, and usually are, secured with a mortgage and bear an interest rate that is supposed to reflect the lender's risk.

Mortgage lending is the primary mechanism used in many countries to finance private ownership of residential and commercial property commercial mortagages Although the terminology and precise forms will differ from country to country, the basic components tend to be similar:

Property: the physical residence being financed. The exact form of ownership will vary from country to country, and may restrict the types of lending that are possible.
Mortgage: the security interest of the lender in the property, which may entail restrictions on the use or disposal of the property. Restrictions may include requirements to purchase home insurance and mortgage insurance, or pay off outstanding debt before selling the property.
Borrower: the person borrowing who either has or is creating an ownership interest in the property.
Lender: any lender, but usually a bank or other financial institution Lenders may also be investors who own an interest in the mortgage through a mortgage backed security In such a situation, the initial lender is known as the mortgage originator, which then packages and sells the loan to investors. The payments from the borrower are thereafter collected by a loan servicer
Principal: the original size of the loan, which may or may not include certain other costs; as any principal is repaid, the principal will go down in size.
Interest: a financial charge for use of the lender's money.
Foreclosure or repossession: the possibility that the lender has to foreclose, repossess or seize the property under certain circumstances is essential to a mortgage loan; without this aspect, the loan is arguably no different from any other type of loan.
Completion: legal completion of the mortgage deed, and hence the start of the mortgage.
Redemption final repayment of the amount outstanding, which may be a "natural redemption" at the end of the scheduled term or a lump sum redemption, typically when the borrower decides to sell the property. a closed mortgage account is said to be "redeemed".

Many other specific characteristics are common to many markets, but the above are the essential features. Governments usually regulate many aspects of mortgage lending, either directly (through legal requirements, for example) or indirectly (through regulation of the participants or the financial markets, such as the banking industry), and often through state intervention (direct lending by the government, by state-owned banks, or sponsorship of various entities). Other aspects that define a specific mortgage market may be regional, historical, or driven by specific characteristics of the legal or financial system.

Mortgage loans are generally structured as long-term loans, the periodic payments for which are similar to an annuity and calculated according to the time value of money formulae. The most basic arrangement would require a fixed monthly payment over a period of ten to thirty years, depending on local conditions. Over this period the principal component of the loan (the original loan) would be slowly paid down throughamortization In practice, many variants are possible and common worldwide and within each country.

2013-03-09T00:02:00.003-08:00

A stock that trades at a relatively low price and market capitalization, usually outside of the major market exchanges. These types of stocks are generally considered to be highly speculative and high risk because of their lack of liquidity, large bid-ask spreads, small capitalization and limited following and disclosure. They will often trade over the counter through the OTCBB and pink sheets.
The term itself is a misnomer because there is no generally accepted definition of a penny stock. Some consider it to be any stock that trades for pennies or those that trade for under $5, while others consider any stock trading off of the major market exchanges as a penny stock. However, confusion can occur as there are some very large companies, based on market capitalization, that trade below $5 per share, while there are many very small companies that trade for $5 or more.
The typical penny stock is a very small company with highly illiquid and speculative shares. The company will also generally be subject to limited listing requirements along with fewer filing and regulatory standards.

2013-03-07T02:51:00.003-08:00

The information provided to credit agencies includes how much credit is available to that borrower, how much of the available credit they have used, and what their repayment activity looks like. Credit agencies help potential lenders and creditors determine whether to lend or extend credit to an individual or business, by predicting the likelihood that the borrower will repay the debt in a timely manner.

A for-profit company that collects information about individuals' and businesses' debts, and assigns a numerical value called a credit score that indicates the borrower's creditworthiness.

Creditors and lenders, such as credit card companies and banks, report their customers' borrowing activity and history to credit agencies. Individuals and businesses can obtain copies of the information reported about them by contacting the credit agency or a related third-party company, and paying a nominal fee.

Technical analysis

2013-03-03T01:29:00.000-08:00

EUR/USD:

Short below 1.3050 for tagets 1.2970 and 1.2950
Long above 1.3050 for target 1.31 and 1.3125

GBP/USD

Short below 1.5090 for targets 1.4975 and 1.4950
Long above 1.5100 for targets 1.5150 and 1.5200

2013-02-27T03:15:00.002-08:00

Mortgage

A debt instrument that is secured by the collateral of specified real estate property and that the borrower is obliged to pay back with a predetermined set of payments. Mortgages are used by individuals and businesses to make large purchases of real estate without paying the entire value of the purchase up front. Mortgages are also known as "liens against property" or "claims on property."
In a residential mortgage, a home buyer pledges his or her house to the bank. The bank has a claim on the house should the home buyer default on paying the mortgage. In the case of a foreclosure, the bank may evict the home's tenants and sell the house, using the income from the sale to clear the mortgage debt.

2013-02-17T09:43:00.002-08:00

EUR/USD:

Short below 1.3380 targets 1.3305 & 1.3260.Buy Above 1.3380 targets 1.3415 & 1.3440

2013-02-08T23:47:00.000-08:00

GBP/USD:

Buy above 1.572 for targets 1.5840 & 1.5880

EUR/USD:

Sell below 1.3455 for targets 1.3280 & 1.3255

USD/JPY

Sell below 94 for targets 91.95 & 91.50

AUD/USD:

Buy above 1.0285 for targets 1.0360 & 1.0410

2013-02-03T01:36:00.003-08:00

EUR/USD:

Long above 1.3585 targets 1.371 & 1.3745
Sell Below 1.3585 targets 1.3525 & 1.3475

GBP/USD:

Short below 1.58 targets @ 1.5695 & 1.567
Long Above 1.58 targets 1.5845 & 1.589

2013-01-25T22:13:00.005-08:00

EUR/USD:

Long above 1.3395 targets 1.3480 & 1.3530
Shorts Below 1.3395 targets 1.3345 & 1.3325

2012-12-29T22:13:00.006-08:00

EUR/USD:

Short below 1.3235 with targets @ 1.32 & 1.3170

Above 1.3235 targets 1.326 & 1.3285

GBP/USD:

Long above 1.611 targets @ 1.62 & 1.6235

Below 1.611 targets 1.606 & 1.6 as targets.

2012-11-04T01:33:00.003-08:00

Buy USD/CAD @0.9950 SL 0.9910

2012-09-26T22:58:00.002-07:00

Buy AUD/CHF @0.9750 SL 0.9710
Status : closed @ 0.9800 (+50 pips)
Date of Open: 27/09/2012
Date of Clse: 27/09/2012
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2012-09-24T03:34:00.001-07:00

Sell AUD/CHF @0.9745 sl 0.9800 Tgt Open

Status: closed @0.9710 for 35 pips
Date of open: 24/09/2012
Date of close:26/09/2012

2012-09-19T21:51:00.003-07:00

buy EUR/NZD 1.5750 SL 1.5700.... tgt OPEN

high made 1.5790 ( 40 pips & hit SL)
Status: Closed

2012-09-19T12:49:00.003-07:00

Buy AUD/CHF @0.9690 SL 0.9640....TGT open
High 0.9795, closed at 105 pips profit

Status: Closed
Date of Open: 19/09/2012
Date of Close: 21/09/2012

2012-09-15T22:33:00.005-07:00

EUR/USD:

Long above 1.305 with targets @ 1.317 & 1.3205
Below 1.3050 downside targets 1.2975 & 1.2930
Trend: Bullish

GBP/USD:

Long above 1.6170 with targets @ 1.63 & 1.6335
Below 1.6170 downside targets 1.61 & 1.6065
Trend: Bullish

2012-09-02T10:30:00.001-07:00

GBP/USD

Long above 1.5820 targets 1.5890 & 1.5915
Short below 1.5820 downside targets 1.5795 & 1.5770
Trend: Bullish.

2012-06-10T01:51:00.003-07:00

Buy GBP/USD above 1.5425 target 1.5525
Buy AUD/USD above 0.9855 target 0.9955

2012-06-01T08:34:00.003-07:00

Buy EUR/USD @ 1.2360 target 1.2460