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Start Your Own ONLine Business

2010-03-12T23:51:00.000-08:00

An Investor never to be late!!!
Start your own online business. Sell ebooks/software.
Full reprint rights. Sell Ebooks Business

What to Look for in Personal Finance Software

2010-03-09T06:14:00.000-08:00

What to Look for in Personal Finance Software

Ideal personal finance software provides ample user-friendly features, allowing you to manage every aspect of your finances, including your accounts, investments, future plans and taxes. The software should also provide current information on tax laws and stock reviews to help you make informed decisions. Below are the criteria TopTenREVIEWS used to evaluate personal finance software.

Ease of Use/Installation
Personal finance software that offers intuitive navigation, user-friendly features and is easy to install.

Banking/Bills
Personal finance software should include online banking features, such as electronic payments, account transactions, account reconciliation, the ability to write and print checks and the ability to exchange currencies.

Personal Investing
Personal finance software that offers a feature to get stock quotes and manage your mutual funds, stocks, bonds and 401K.

Financial Planning
Personal finance software that allows you to plan your retirement, purchases, taxes, lifetime events, home purchases, debt relief and other financial goals and money management concerns and provides financial calculators to help you estimate costs, plan collage expenses, savings, taxes and so on.

Tax Options
Some personal finance software can export all of your financial information into tax software and help you find missed deductions and estimate your tax with holdings and capital gains.

Reporting
Personal finance software that provides reports and summaries of your finances so you can plan your cash flow and invest more wisely.

Through personal finance software, you can manage your finances conveniently and stress free, stop money leaks, make better investments and increase your personal net worth. In short, with personal finance software you can make your hard-earned money work harder for you.
1.

GnuCash

From A User Guide for GnuCash - Simba Management Limited

GnuCash free personal finance software download tracks bank accounts, stocks, income and expenses and has small business accounting features. GnuCash is based on professional accounting principles to ensure balanced books and accurate reports. GnuCash is actively and consistently developed, so this free software is improving all the time. GnuCash supports QIF imports and OFX downloads. GnuCash is free software, but if you use it and grow to rely on it enough you may wish to make a small donation using the link on GnuCash site.

Compatible Operating Systems: Windows, GNU/Linux, Mac OS X, Solaris, NetBSD, FreeBSD

Buddi 3.0

Buddi Transactions
© 2006-2008 Wyatt Olson

Buddi 3.0 runs on Windows, Mac and other operating systems and has been translated into multiple languages. Buddi can encrypt financial data with a password and is designed to be easy to use even if you have no financial background. Features include budgeting, tracking accounts, personal finance report, and an envelope budgeting feature called Prepaid Accounts. Free plug-ins can be downloaded to add more features, like a financial dashboard or balance sheet, and online user manual is easy to read and use.

Compatible Operating Systems: Any operating system running Sun Java Virtual Machine 1.5 (you can get Java downloads here), including Windows, Mac OS X 10.4 and higher, and most flavors of Linux

PL Cash 2.1

PLCash stores data in plain text format, which allows you to use a spreadsheet or word processing software to read and analyze your financial data. PLCash also offers useful personal finance reports, support for multiple account types and basic investment tracking. Data can be imported from Quicken, Microsoft Money or any other software that supports QIF data exports. In exchange to for the convenience of storing data as plain text, PLCash does not encrypt data.

Compatible Operating Systems: Any operating system with Java Runtime installed.

Gold Price- Lying Down

2010-03-07T00:08:00.000-08:00

World gold prices last week showed the trend of declines with a strengthening U.S. $ GeraiDinar.com indicated on the dashboard with U.S. $ Index. Currently the index is above 80 in number than two weeks ago that around 79.

If I use technical analysis of StockChart as well as graphs (click on the chart let me first look bigger), it is purely based on statistical analysis of the trend is the strengthening of U.S. $ will be able to take up to several weeks ahead. If you follow the previous pattern of this trend will then be able to reach the range of 83 - view large circle marks on the graph.

We know the world gold price in U.S. $ inversely with the power of U.S. $, so when the U.S. $ trend was strengthened - the world gold price in U.S. $ decreased. Roughly from the graph can be predicted that if the U.S. $ index reached 83, world gold prices will be below U.S. $ 900/oz. This course if all things being equal - ceteris paribus.

Ref: emas24.com

Manage Your Money Based on Its Functions

2010-03-06T03:08:00.000-08:00

In economic theory, money has three functions: as a Medium of Exchange, a Store of Value and a Unit of Account. These three functions should be attached to the money that we use, but the use of paper money it can not fulfill these three functions at once. Paper money only serves as a tool optimally Medium of Exchange or Exchange. As a Store of Value, its value eroded by inflation over time. Because of rapidly declining in value is the paper money can not consistently used as a Unit of Account. If you have a house that you bought 10 years ago worth USD 400 million; without renovation even now worth over USD 1 billion you really lucky? where's the point? This apparent advantage occurs because the bias unit of account you use.

Money Gold / Silver Dinar or / Dirham actually thousands of years of history can play the three functions of money perfectly. However, due to the regime last 85 years using only paper money - and even last through 27 years of prohibiting the use of IMF gold as a reference currency; the Gold / Dinar and Silver / Dirham we can not enable it as money in the sense Tool Swap or Medium of Exchange optimally.

In terms of money, we are living in this era faced a dilemma situation. We are the official currency is Euro, Dollar etc.. we can effectively use as a medium of exchange at the moment, but this paper money can not play the function of Store of Value and Unit of Account. Paper money effectively only played 1 of the three functions of money.
On the other hand we also have the Dinar and Dirham money that have been proven to effectively portray the three functions; but not legally recognized as a Tool Swap or Medium of Exchange. Practical new dinar and dirham could play 2 of the three functions of money. So where do we use?. Depending on our needs!.

Composition and dinar banknotes will depend how much you need as a Tool Swap and how many were needed as a Store of Value. The simple principle, as seen in the graph above terbut, the closer the use of your money - the greater the Medium of Exchange functions play a role. The further usage of the functionality Store of Value was needed.

For sale now, we need the money the paper - it is not advisable to change money this paper by Dinar - if the money would you need in the near future. Contrary to your long-term needs such as college expenses of children, health care costs the old days, the cost of going pilgrimage etc.. You need money to function effectively as a Store of Value - Dinar is the practical answer.

Actually there is another answer better; your money is not only effective As with the Store of Value, but also the Growing Assets - if you can invest in the real sector as well. In this 'money' long-term you can be an oak tree that continues to grow, the children growing cattle, chickens and ducks are more and more, the gardens are more verdant ...

ref: www.geraidinar.com

Stock Selections Criterions

2010-03-02T02:27:00.000-08:00

The objective of stock selection criteria is to: (1) maximize the total return on investment (appreciation plus any dividends received) for the targeted holding period (2) limit risk (according to an individual's risks tolerance levels) (3) maintain an appropriate degrees of portfolio diversification.

Stock selection criteria are methods for selecting a stock(s) for investment. The stock investment or position can be "long" (to benefit from a stock price increase) or "short" (to benefit from a decrease in a stock's price), depending on the investor's expectation of how the stock price is going to move. The stock selection criteria may include systematic stock picking methods that utilize computer software and/or data.

1. Sector analysis

Sector analysis involves identification and analysis of various industries or economic sectors that are likely to exhibit superior performance. Academic studies indicate that the health of a stock's sector is as important as the performance of the individual stock itself. In other words even the best stock located in a weak sector will often perform poorly because that sector is out of favor. Each industry has differences in terms of its customer base, market share among firms, industry growth, competition, regulation and business cycles. Learning how the industry operates provides a deeper understanding of a company's financial health. One method of analyzing a company's growth potential is examining whether the amount of customers in the overall market is expected to grow. In some markets, there is zero or negative growth, a factor demanding careful consideration. Additionally, market analysts recommend that investors should monitor sectors that are nearing the bottom of performance rankings for possible signs of an impending turnaround.

2. Quantitative cumulative value analysis

Quantitative cumulative value analysis: This method is also commonly referred to as fundamental analysis. Fundamental analysts consider past records of assets, earnings, sales, products, management, and markets in predicting future trends in these indicators and how they may affect a company’s future success or failure. By appraising a firm’s prospects, these analysts determine a stock’s intrinsic value and assess whether a particular stock or group of stocks is undervalued or overvalued at the current market price. If the intrinsic value is more than the current share price, then this stock would appear to be undervalued and a possible candidate for investment. While there are several different methods for determining intrinsic value, the underlying premise is that a company is worth the sum of its discounted cash flows (DCF). The DCF is the value of future expected cash receipts and expenditures at a common date, which is calculated using net present value or internal rate of return. This means a company is worth the combined sum of its future profits, while at the same time being discounted in consideration of the time value of money. This value, as determined by the discounted cash flow analysis or its equivalents, consists of two components:

1. Current value ratios, such as the price-earnings (P/E) ratio and price-book (P/B) ratio.[3] The PE ratio, also called the multiple, gives investors an idea of how much they are paying for a company’s earning power. The higher the PE, the more investors are paying, and therefore the more earnings growth they are expecting. High PE stocks – those with multiples over 20 – are typically young, fast-growing companies. P/B is the ratio of a stock’s price to its book value per share. A stock selling at a high PB ratio, such as 3 or higher, may represent a popular growth stock with minimal book value. A stock selling below its book value may attract value-oriented investors who think that the company’s management may undertake steps, such as selling assets or restructuring the company, to unlock hidden value on the company’s balance sheet.
2. Earnings growth which may be reflected in measures like the Prospective Earnings Growth (PEG) ratio. The PEG ratio is a projected one-year annual growth rate, determined by taking the consensus forecast of next year’s earnings, less the current year’s earnings, and dividing the result by the current year’s earnings.

3. Management issues

Management issues: This involves examining perceptions about management and perceptions by management. It includes various qualitative judgments regarding the competence of current and prospective company management, as well as issues related to insider buying, future strategies to increase operations and market share. Most large companies compensate executives through a combination of cash, restricted stock and options. It is a positive sign when members of management are also shareholders. When management makes large purchases of their own stock with private funds, it may indicate that management insiders feel the company is undervalued, or that a favorable company event will occur soon. Another way to get a feel for management capability is to examine how executives performed at other companies in the past. Warren Buffett has several recommendations for investors who want to evaluate a company’s management as a precursor to possible investment in that company’s stock. For example, he advises that one way to determine if management is doing a good job is to evaluate the company's return on equity, instead of their earnings per share ( the portion of a company’s profit allocated to each outstanding share of common stock). "The primary test of managerial economic performance is achievement of a high earnings rate on equity capital employed (without undue leverage, accounting gimmickry, etc.) and not the achievement of consistent gains in earnings per share." Buffett notes that because companies usually retain a portion of their earnings, the assets a profitable company owns, should increase annually. This additional cash allows the company to report increased earnings per share even if their performance is deteriorating. He also emphasizes investing in companies with a management team that is committed to controlling costs. Cost-control is reflected by a profit margin exceeding those of competitors. Superior managers "attack costs as vigorously when profits are at record levels as when they are under pressure." Therefore, be wary of companies that have opulent corporate offices, unusually large corporate staffs and other signs of bloat. Additionally, Buffett suggests investing in companies with honest and candid management, and avoiding companies that have a history of using accounting gimmicks to inflate profits or have mislead investors in the past.

4. Technical analysis

Technical analysis: Involves examining how the company is currently perceived by investors as a whole. Technical analysis is a method of evaluating securities by researching the demand and supply for a stock or asset based on recent trading volume, price studies, as well as the buying and selling behavior of investors. Technical analysts do not attempt to measure a security's intrinsic value, but instead use charts or computer programs to identify and project price trends in a market, security, fund, or futures contract. Most analysis is done for the short or intermediate-term, but some technicians also predict long-term cycles based on charts, technical indicators, oscillators and other data. This is widely considered to be unsound and similar to astrological methods of discovery.

Examples of common technical indicators include relative strength index, Money Flow Index, Stochastics, MACD and Bollinger bands. Technical indicators do not analyze any part of the fundamentals of a business, like earnings, revenue and profit margins. Technical indicators are used extensively by active traders, as they are designed primarily for analyzing short-term price movements. The most effective uses of technical indicators for a long-term investor are to help him/her to identify good entry and exit points for a stock investment by analyzing the short and long-term trends.

Gold Investment

2010-02-15T11:38:00.000-08:00

How Invest in Gold?
For long time around of the world, of all the precious metals, gold is the most popular as an investment. Investors generally buy gold as a hedge or safe haven against any economic, political, social or currency-based crises. These crises include investment market declines, burgeoning national debt, currency failure, inflation, war and social unrest. Investors also buy gold early in a bull market and aim to sell it before a bear market begins, in an attempt to gain financially.
Gold has been used throughout history as a form of payment and has been a relative standard for currency equivalents specific to economic regions or countries. Many European countries implemented gold standards in latter part of the 19th century until these were dismantled in the financial crises involving World War I. After World War II, the Bretton Woods system pegged the United States dollar to gold at a rate of US$35 per troy ounce. The system existed until the 1971 Nixon Shock, when the US unilaterally suspended the direct convertibility of the United States dollar to gold.

Factors influencing the gold price

Today, like all investments and commodities, the price of gold is ultimately driven by supply and demand. Unlike most other commodities, the hoarding and disposal plays a much bigger role in affecting the price, because most of the gold ever mined still exists and is potentially able to come on to the market for the right price.At the end of 2006, it was estimated that all the gold ever mined totaled 158,000 tonnes. This can be represented by a cube with an edge length of just 20.2 meters.

Gold Price is fluctuate but its intrinsic value is stable along decade. So, gold is suitable for long term investments.

FOREX - What is Forex?

2010-02-07T01:23:00.000-08:00

FOREX means foreign exchange market also known as FX, or currency market.
Forex is a worldwide decentralized financial market for the trading of currencies. Financial centers around the world function as anchors of trading between a wide range of different types of buyers and sellers around the clock, with the exception of weekends.

As an instrument of investment, the foreign exchange market allows businesses to convert one currency to another foreign currency. For example, it permits a U.S. business to import European goods and pay Euro even though the business's income is in USD. Some experts, however, believe that the unchecked speculative movement of currencies by large financial institutions such as hedge funds impedes the markets from correcting global current account imbalances. This carry trade may also lead to loss of competitiveness in some countries.

The foreign exchange market is the largest and most liquid financial market in the world. Traders include large banks, central banks, currency speculators, corporations, governments, and other financial institutions. The average daily volume in the global foreign exchange and related markets is continuously growing.

Combining with booming of IT and internet forex become most popular instrument for investing.

Starting For Investment Program

2010-01-05T00:32:00.000-08:00

The first step is always the hardest. And individual investors taking their first steps in an investment program must consider about gains, risks, and uncertainties.
For simple, before we choice one of investment we have to consider: 2WH -- WHAT WHEN HOW.
1. WHAT
Some alternatives investing instruments for beginner are: Forex, Stock, Gold or Online Trading
2. WHEN
Beginner Investor should pay more attentions about timing. Today investing in Gold better than Stocks due to global crisis. And Forex is suitable for the part timers.
3. HOW
Before we decided to investing our resources, is a must having comprehensive knowledge about investment it self. Learning, learning, and learning.

One key to the successful use of any basic investment approach is to choose an appropriate long-term horizon. In order to avoid the potential disaster of placing a substantial portion of your portfolio in risky investments at the high point of a market cycle, take a minimum of two years, investing monthly or quarterly, to complete the move into the market. Five years is an ideal period, albeit a bit too long for many impatient investors.

Your resources are not the limitation, but your minds is the limit....