Finance

Just Been Paid in Urdu | Free Earning Method

2012-04-02T02:27:00.003-07:00

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Islamic Point of View about Jss trippler is Given Below:

JBP 1 aisi compney hai jis main apko na to referral dhondny ki zarorat hai or na roz roz kisi kisam ka net

py kaam karny ki zarorat hai,

ye 1 simple or easy job hai, jisy har koi ba-asani kar sakta hai. Ye 1 investment job hai,

is job ko wo dost bhi kar sakty hain jin k pas internet nahi hy,

is job sy ap apny or apni family or apny doston k halaat badl sakty hain,

jo log ye nahi manty k internet sy paisy kmaye jaty hain unko ap dikha sakty hain k ab sab kuch mumkin hy,

· No need for Team Work

· No need for Time limit

· No need for daily work

Is job main ye system nahi hy k jab tak ap k downline koi referral nahi aye ga tab tak apko paisy nahi milen gy,

balky is job ka faida ye hy k bina kisi referral or bina kisi roz k home work k bagher apko daily income milti rehti hai.

Is main aap ney bas invest karna hy or us investment ka 2% hissa roz apko mila kary ga.

For Example !

Agar aap ny $100 invest kia hai to uska 2% hissa jo $2 banta hai wo daily apko mila kary ga.

Or agar aap chahty hain k apki roz ki income zyada ho jaye to ap or zeyada invest kar k apni daily income barha sakty hain.

Aam Sawalaat…

Q: hamein ye 2% hissa kab tak milta rahy ga? Kya iski koi limit hai???

Ans: G han, har position ki limit 75 days tak hai, After 75 days position expire ho jaye gi. after then apki choice hogi k ap or profit kamana chahty hain k nahi.

Q: kya hamein har baar apni jaib sy invest karna parhy ga???

Ans: nahi. Company sy jo dollars ayen gy ap usi ko wapis invest kar k bhi apni daily income barha sakty hain.

Q: kya koi referral downline lgany ka koi faida hoga???

Ans: G HAN, ap apny downline referral laga sakty hain or unka faida bhi hoga.

Q: referral ka hamein kya faida hoga???

Ans: apka referral jab bhi koi position ly ga to uska apko $1 bonus mily ga.

Q: Position kya hai???

Ans: is main $10 ko 1 position kehty hain, or har position ka $1 bonus apko mily ga.

Q: kya hamein referral k referral ka bonus bhi mily ga???

Ans: G Han, bilkul apko ap k referral k referral ka bonus bhi mily ga,

Ap k referral ka referral jb bhi position ly ga to uska 0.50 Cents bonus apko mily ga.

Remember that apko bas 2^nd referral tak bons mily ga 3^rd referral ka bonus apko nahi mily ga.

Q: kya hamary referral ka bonus bhi hamain daily income k sath milta rahy ga???
Ans: Nahi, ap k referral ka bonus apko bas us waqt hi mily ga jab wo koi position ly ga. or jab tak wo position leta rahy ga apko har position ka bonus milta rahy ga.

Q: Kya humary referral ki koi limit hogi???

Ans: Nahi, koi limit nahi hogi. Ap jitney chahen referral laga sakty hain.

Q: kya hamara account har roz login hona zarori hai???
Ans: Nahi, ap jab chahen login kar sakty hain. chahen to 75 days bad login kar len. apko apka profit complete mily ga.

I hope apko ye job pasand ai hogi or ap is interesting or easy job ko karny main dair nahi Karen gy.

My Daily Income chart...

Join karny ka tarika.

Step by step…

Pehly ap is link ko open Karen,

Click Here For Join

Step 1: joining page open karny k bad,

Step 2: Sign up karny k bad apko email bheji jaye gi jis main apka account active karny ka link bheja jaye ga.

Step 3:

is step k bad apko 1 member i.d dia jaye ga jo is pic me bna hua hy. like 268065. or jo apko member i.d mily ga usy yad rakhiye ga because us member i.d k bagher apka account login nahi hoga.

Step 4:

Step 5:

Step 6:

Account login karny k bad Jss-Tripler py click karen.

Step 7:

Step 8:

Step 9:

Step 10:

Step 11:

Step 12:

now ap apny account sey dollar invest karny k liye is option Fund JSS Account ko open karen gy.

Step 13:

Ap jitny dollar invest karna chahty hain wo is khali box me likhiye. for example agar ap $10 invest karna chahty hain to 10 likhen.

Step 14:

After then ap apny jis account sy dollar invest karna chahty hain us py click karen,

Step 15:

apna AlertPay ka email or password likh kar login karen.

Step 16:

Step 17:

Confirm and Proceed karny bad ap k dollar JSS k Fund account main chalen jayen gy. phir ap wo dollar ap apny JSS k fund account sy JSS-Tripler account main transfer karen gy.

Step 18:

Remember that ap ne jitny dollar AlertPay sy JSS-fund main invest kiye thy wohi is jaga main likhen. masln ap ny $10 diye thy to khali box main 10 likhen.

Step 19:

Now your last step. ab ap ny Buy Jss-Tripler position ko open karna hy.

Step 20:

yahan ap apni positoin ka number likhen gy. agar ap 1 position lena chahty hain to is khali box main 1 likh k proceed kar den,

Step 21:

Step 22:

Confirm karny k bad apka account puri tor py ready hai. ab apki daily income start ho gai hy.

Step 23:

Now complete your steps…

Ab ap apni earning aglay din dekh sakty hain.

apni Financial option ko open karen or apna daily profit dekhen.

date and time k sath apni earning dekhny k liye page k last me ajayen,

How to fund your JSS-Tripler-Account

View All FAQs

Login on the www.justbeenpaid.com website
Click On The Red JSS Button
Click on Click Here To Go Directly To The Five JSS Programs
Click on JSS Tripler
Click the Enter button
Click The Financial Link at the top of the page
Scroll Down to the Add Funds to Tripler button and click on it
Enter the amount and click on the Transfer from JSS Account button
Check the amounts and result and click on the Fund my JSS Tripler Account button
Close the browser window, not the complete browser
In the previous open screen click the Buy JSS-Tripler Position button
Enter Amount (number) of positions you wish to purchase
Check the amounts of positions and results and click on the button
Close the browser window, not the complete browser
Refresh the previous window after a while
Check your positions by choosing the Positions link on top
Sometimes the placements of positions can take a while, so be patient.

Please be patient while video is loading

THANKS FOR VISITING…

ALLAH HAFIZ.

There Seems To Be No End To PPI Claims

2011-09-17T06:37:00.001-07:00

Compensation claims for mis sold PPI has hit a new level high this year, banks are being forced to set aside millions to deal with the claims and quite rightly, but there is a bigger picture to be painted in this global forecast.
It is already interesting to see how things have shifted; just ten years ago, this many PPI claims would have been unthinkable. Now, they are the reality. The financial world has been going through a rather tremulous time, and this is one of the results.
PPI is an acronym that stands for payment protection insurance. This can be used if you have a credit card that you have not paid off, a loan that you cannot afford, or a mortgage. It is a type of insurance that is supposed to help you make sure that you can afford to make your payments.
As you can imagine, being able to make the payments on a home or a car is very important. Without being able to do so, you might end up having the home or the car taken away from you. This is why people are so attracted to this type of coverage to begin with.
The main reason that there have been more claims now than ever before is because banks have been mis-selling PPI for some time now. They have been doing this in all sorts of different ways. Mostly, they have been adding it into the payment plans that are discussed above. For example, they have been connecting it with mortgages.
They have even been telling people that they have to have it, not explaining to them that it is not compulsory. They have also not been explaining the terms that go along with the insurance, so the people who have "purchased" it have not even known what they bought.
The secondary reason is that the courts have recently ruled in favor of the people and not the banks. They have stated that the banks need to pay back the money on all of the mis sold PPI policies. Some of them were sold fairly and honesty, and those ones are exempt. However, the people who were misinformed or tricked into buying policies that are not helpful now have the backing of the courts as they try to get their money back.
To be fair, many PPI claims this year are for other purposes. They are being made because people need the assistance that they have purchased if they are going to make their payments on time. The disappointing thing is that many people are being turned down for these claims because of loopholes and regulations that they knew nothing about when they made the purchase.
They would never have bought the policies if they had known what they were really getting. This is why people have become outraged and they have started fighting the banks to get back all of their money.
As mentioned above, it will be interesting to see where all of this goes in the future. Hopefully, the banks will get everything sorted out. They will make things right with those that they wronged. From there, they can start selling legitimate policies again in a trustworthy, honest fashion.

Role of Central Banks in a Less and More Developed Economy

2011-09-17T06:35:00.001-07:00

In developed nations, central banks conduct a wide range of banking, regulatory, and supervisory functions. They have substantial public responsibilities and a broad array of executive powers. Their major activities can be grouped into five general functions:
(1) Issuer of currency and manager of foreign reserves: Central banks print money, distribute notes and coins, intervene in foreign-exchange markets to regulate the national currency's rate of exchange with other currencies, and manage foreign-asset reserves to maintain the external value of the national currency.
(2) Banker to the government: Central banks provide bank deposit and borrowing facilities to the government while simultaneously acting as the government's fiscal agent and underwriter.
(3) Banker to domestic commercial banks: Central banks also provide bank deposit and borrowing facilities to commercial banks and act as a lender of last resort to financially troubled commercial banks.
(4) Regulator of domestic financial institutions: Central banks ensure that commercial banks and other financial institutions conduct their business prudently and in accordance with relevant laws and regulations. They also monitor reserve ratio requirements and supervise the conduct of local and regional banks.
(5) Operator of monetary and credit policy: Central banks attempt to manipulate monetary and credit policy instruments (the domestic money supply, the discount rate, the foreign-exchange rate, commercial bank reserve ratio requirements, etc.) to achieve major macroeconomic objectives such as controlling inflation, promoting investment, or regulating international currency movements. Sometimes these functions are handled by separate regulatory bodies.
Central banks are capable of effectively carrying out their wide range of administrative and regulatory functions in developed nations primarily because these countries have a highly integrated, complex economy; a sophisticated and mature financial system; and a highly educated, well-trained, and well-informed population. In developing countries, the situation is quite different. LDCs may be dominated by a narrow range of exports accompanied by a much larger diversity of imports, the relative prices (the terms of trade) of which are likely to be beyond local control. Their financial systems tend to be rudimentary and characterized by:
(1) foreign-owned commercial banks that mostly finance domestic and export industries.
(2) An informal and often exploitative credit network serving the bulk of the rural and informal urban economy.
(3) A central banking institution that may have been inherited from colonial rulers or operates either as a currency board issuing domestic currency for foreign exchange at fixed rates or simply to finance budget deficits.
(4) A money supply that is difficult to measure (because of currency substitution) and more difficult to regulate.
(5) An unskilled and inexperienced workforce unfamiliar with the many complexities of domestic and international finance.
(6) A degree of political influence and control by the central government (over interest rates, foreign-exchange rates, import licenses, etc.) not usually found in more developed nations.
Under such circumstances, the principal task of a central bank is to instill a sense of confidence among local citizens and foreign trading partners in the credibility of the local currency as a viable and stable unit of account and in the prudence and responsibility of the domestic financial system. Unfortunately, many LDC central banks have limited control over the credibility of their currencies because fiscal policy - and large fiscal deficits - call the tune and must be financed either by printing money or through foreign or domestic borrowing. In either case, prolonged deficits inevitably lead to inflation and a loss of confidence in the currency.
Given the substantial differences in economic structure and financial sophistication between rich and poor nations, central banks in most of the least developed countries simply do not possess the flexibility or the independence to undertake the range of monetary macroeconomic and regulatory functions performed by their developed-country counterparts.

Review of Economy Shows Slow Growth

2011-09-17T06:26:00.001-07:00

A review of the overall economy is revealing that the growth of the economy overall is not so swift. This is in direct contracts with many reports that have been coming out stating that the economy is indeed recovering from the doldrums of what many consider the last U.S. recession. However, with the recent findings in the, the growth that many think is happening rapidly may be happening much slower than expected.
Continued High Unemployment
It seems that with every positive jobs report that comes out there are two that are negative. While the numbers fluctuate as expected, the overall news remains bad. In fact, according to the Nation Labor Department, the jobless rate is holding steady at over 9%, which is anything but an indication of a strong or booming economy.
Rough Real Estate Market
Another indication of a tough and slow recovering economy according to the ISM review is the continued problems for the real estate market. While mortgage rates are at all time lows, which is good news, the rate at which people are losing their homes is more than enough to counteract that good.
According to RealtyTrac Inc, there are more and more banks allowing short sales to go through than ever before. These short sales are banks actually accepting less than a property is worth so they can clear the properties off their books. So, while some are getting great deals on homes, the willingness of banks to lose money is just another example of a weak economy.
Rising Gold Prices
Gold has reached all time highs as far as prices go. While still not at all time highs when adjusted for inflation, the fact that gold is as high as it is shows that many investors are flocking to the precious metal as a safe haven and that doesn't not typically bode well for the dollar or the economy.
Recent National Debt Downgrade
The recent downgrade by S&P of America's debt from triple A to double A Plus is the most obvious sign that the American economy is struggling. This news did follow with the Chairman of the Federal Reserve, Ben Bernanke, stating that he would keep interest rates low for the next year or more. However, any further downgrades by S&P or any other credit rating organization could prove disastrous for America's economy.
What it all Means for You
A slow moving and slow to recover economy affects everyone; including you. While the findings of this latest review may not have shocked everyone, everyone still has to be wary as their financial futures depend on the state of the economy and how they react to it.

The State of UK Finances and Mortgage Options Available to Those With a Subprime Credit Background

2011-09-17T06:24:00.002-07:00

The UK money advice charity, Credit Action have published its latest study of 'debt statistics' and this offers disturbing reading for consumer financial well-being in the UK. At the end of June 2011, public borrowing totaled £1.451 billion of which £1.241 billion was held in mortgages and secured loans but this means that average unsecured borrowing amounts to £8,064 per household. However, the Office for Budget Responsibility forecasts that home indebtedness will be a whopping £2.126 billion by the close of 2015.
To the year ended March 2011, the Citizens Advice Bureau in England and Wales dealt with 9,072 new financing related problems each working day, 1,577 new County Court Judgments were granted each day within the first quarter of 2011 and 331 will be declared bankrupt every day. Possibly even more worrying (which shows the borrowing spiral getting out of control) is analysis undertaken by the homelessness charity, Shelter in August 2010 which found that more than 2 million people had used a credit card to pay either the mortgage or rent.
Fortunately in the past many individuals who had over-extended themselves with unsecured debt had benefited from increasing property prices and were able to use this as a get out of jail free card with debt consolidation being provided by banks and building societies falling over themselves to lend to these borrowers. Mortgage providers were offering significant income multiple stretches beyond the 'norm' and would even look at borrowers with an adverse credit record. There were even lenders of last resort that would lend to settle mortgage arrears and even to stop repossession. This no holds barred lending may have been a step too far but to stave off the debt crisis waiting to happen when base rate starts to rise again, the poor credit mortgage funders need to step up to the plate and offer the increasing numbers that are not able to get a mortgage on the high street a safe haven.
It has never been harder for a first time buyer to get on the housing ladder and many do not realise that their monthly credit behavior on financial commitments, banks accounts and even mobile phones are being viewed by lenders and assessed via credit scoring to ascertain whether the 'would be borrower' achieves a high enough credit score to acquire a mortgage. In the main first time buyers do not hold huge deposits and unfortunately mortgages that require only a 10% deposit have the credit score bar set prohibitively high. Lenders have historic payment information on their arrears book and they use this info to set a score card to deter this type of mortgagor in the future. Commonly, they will not accept applicants that have missed or even late payments on unsecured borrowing. Some high street lenders are more lenient but they will usually approve in exchange for a higher deposit.
If 2 or 3 loan or credit card payments have been missed on a credit contract, the lender will normally issue a 'Default' notice which means that the borrower has broken the contractual terms of the credit agreement and this has a hugely damaging effect on their credit rating and their ability to get a mortgage from a high street lender. A default will remain on their credit register for 6 years from initial registration or satisfaction and in the current environment this make it almost unachievable to get a mortgage except from a specialist adverse credit mortgage lender.
If a borrower fails to pay a debt as it becomes due then an avenue open to the creditor is taking the debtor to court to procure a County Court Judgment for non-payment of the commitment. Once this is issued by the court it is recorded on the Register of Judgments and this is also held by credit reference agencies and it will remain on the individual's credit report for a period of 6 years. Any County Court Judgments whether they are settled or not will usually cause a high street lender to not accept a mortgage application.
Even though would be borrowers are likely to be declined by high street banks and building societies if they have any late / missed payments, defaults or County Court Judgments, the specialist poor credit mortgage funders are beginning to lend again but with very particular lending criteria. In the current environment it appears that these funders are willing to disregard historic adverse information for first time buyers on the understanding that nothing has been recorded within the last 2 years. As this is an extremely expert area and criteria varies from lender to lender we would recommend speaking to a specialist bad credit mortgage advisor who will be able to provide an independent recommendation as to the most appropriate mortgage for your specific circumstances.

Important Role of Financial System in the Economy

2011-09-17T06:24:00.000-07:00

The financial sector provides six major functions that are important both at the firm level and at the level of the economy as a whole.
1. Providing payment services. It is inconvenient, inefficient, and risky to carry around enough cash to pay for purchased goods and services. Financial institutions provide an efficient alternative. The most obvious examples are personal and commercial checking and check-clearing and credit and debit card services; each are growing in importance, in the modern sectors at least, of even low-income countries.
2. Matching savers and investors. Although many people save, such as for retirement, and many have investment projects, such as building a factory or expanding the inventory carried by a family micro enterprise, it would be only by the wildest of coincidences that each investor saved exactly as much as needed to finance a given project. Therefore, it is important that savers and investors somehow meet and agree on terms for loans or other forms of finance. This can occur without financial institutions; even in highly developed markets, many new entrepreneurs obtain a significant fraction of their initial funds from family and friends. However, the presence of banks, and later venture capitalists or stock markets, can greatly facilitate matching in an efficient manner. Small savers simply deposit their savings and let the bank decide where to invest them.
3. Generating and distributing information. One does not always think of it this way, but from a society wide viewpoint, one of the most important functions of the financial system is to generate and distribute information. Stock and bond prices in the daily newspapers of developing countries (and increasingly on the Internet as well) are a familiar example; these prices represent the average judgment of thousands, if not millions, of investors, based on the information they have available about these and all other investments. Banks also collect information about the firms that borrow from them; the resulting information is one of the most important components of the "capital" of a bank, although it is often unrecognized as such. In these regards, it has been said that financial markets represent the "brain" of the economic system.
4. Allocating credit efficiently. Channeling investment funds to uses yielding the highest rate of return allows increases in specialization and the division of labor, which have been recognized since the time of Adam Smith as a key to the wealth of nations.
5. Pricing, pooling, and trading risks. Insurance markets provide protection against risk, but so does the diversification possible in stock markets or in banks' loan syndications.
6. Increasing asset liquidity. Some investments are very long-lived; in some cases - a hydroelectric plant, for example - such investments may last a century or more. Sooner or later, investors in such plants are likely to want to sell them. In some cases, it can be quite difficult to find a buyer at the time one wishes to sell - at retirement, for instance. Financial development increases liquidity by making it easier to sell, for example, on the stock market or to a syndicate of banks or insurance companies.
Both technological and financial innovations have driven modern economic growth. Both were necessary conditions for the Industrial Revolution as steam and water power required large investments facilitated by innovations in banking, finance, and insurance. Both are necessary for developing countries as they continue their struggle for economic development. But the effective functioning of the financial system requires, in turn, the precondition of macroeconomic stability.

Major US Banks Continue to Battle Surge of Negative Populist Opinion and Lawsuits

2011-09-17T06:22:00.002-07:00

A major player in the banking industry and one-time federal bank examiner, Paul Miller, has called on the US federal government to stop punishing banks. In his letter he said one major US bank stands to lose anywhere from 60-120 billion dollars from repurchase losses.
Repurchase losses are losses banks may have to incur if federal regulators at Fannie Mae and Freddie Mac discover ambiguous and fraudulent documentation of borrowers' income. Fannie Mae and Freddie Mac are the largest mortgage loan security backers in the country. Both megabanks allege that 17 smaller banks sold bunk mortgage-backed securities totaling about 196 billion dollars.
Fannie Mae and Freddie Mac are publicly traded, and the US government has a huge stake in both securities companies. Both companies claim to be "acting in their own self-interest" by legally pursuing smaller banks in the hope of recovering huge financial losses via the repurchase option.
Many big, privately held banks and lenders use Fannie and Freddie to insulate their investments and this allows them to extend more credit. Many financial experts have insisted that a decision by regulators would gut the banks and present another serious roadblock to US economic recovery. Some financial experts see this as a political response to the negative populist opinion of banks, which received huge taxpayer support in the form of a bailout only a few years ago.
Legal storms bring down unfavorable decisions on big banks
Many banks, their subsidiaries and mortgage lending instruments have been accused of abusing federal housing and mortgage assistance programs. Chief amongst the claims is that banks took advantage of the incentives offered through loan modification programs like HAMP, only to countermand the agreement with the borrower months later.
Other borrowers have alleged fraudulent and pernicious bank practices where their interest rate would suddenly go up after renegotiating the terms of their loan. Some borrowers reported delinquency notices from their banks months after they renegotiated.
Across the country, judges have been handing down verdicts favoring class-action plaintiffs. Some banks have chosen to settle out of court in order to avoid greater losses.
A confluence of anti-bank sentiment and poor accounting practices
Federal auditors, working on behalf of Freddie and Fannie have been reexamining the bookkeeping of banks, just as judges have done at the state level. They are suspect that they will discover not only poor accounting, but, in some cases outright fraudulent lending practices that defy or dither the parameters of the loan modification approval process.
More economic suffering ahead?
This latest surge of populist anger and Freddie-Fannie investigations has economists worried and frank-many are suggesting that federal regulators could potentially unhinge the entire banking industry by recovering repurchase losses from smaller banks.

Stuck in a Rut?

2011-09-17T06:22:00.000-07:00

Many times new traders complete one of our seminars and are very enthusiastic. They feel empowered by the new strategies they have learned, and perhaps they have already found success in their early trades. The problem comes when one of their plays does not work out, and the protective stop loss that is required for all trades is not taken by the trader. Many times the prior successes make a trader feel that the strategy cannot fail. What the trader fails to realize, is that the success of the strategy lies in the fact that the trader must contain losses when the strategy fails to produce the desired result.

Unfortunately, the stubbornness of a new trader can cause the trader to hang onto losses for a long time. This means that many gains can be wiped out by a single devastating loss. Sometimes traders even get into trouble with their account due to just a couple or three really bad trades. The good news is that this particular problem will always be obvious and very well known to the trader. It is hard for any trader to not realize that they are holding a bad trade, as the large hole being dug in their account is always a slap in the face that they cannot ignore. While awareness is not the problem, for many traders, fixing the situation is a problem. Some never overcome the anxiety of having to exit losing trades in a timely fashion. These traders find themselves in very short trading careers.

However, the majority of traders learn to get through this first problem. While they may damage their account to some extent, they will usually realize that they need to change their ways and will finally begin to take appropriate action when a stop loss is triggered. This, however, often leaves scars on the trader that may last a lot longer than they realize. Due to this first stage, even though these traders survive, the traders may have tremendous fears about being a loser. This may cause them to be extra sensitive about how they handle losing and winning trades, and shift all their focus into 'not being a loser'. This is not necessarily good, read on.

The traders that do survive the first stage often get very scarred because their account has suffered some losses. They become afraid of losses to the extent that their sole goal in trading becomes "not to lose". While this sounds like a worthy goal on one hand, on the other hand it can be a deadly mistake. Simply not losing can often mean a trading career of mediocrity or a slow bleeding of the account as commissions and slippage (not to mention that occasional 'bad' trade) eat away at traders who are trying to maintain nothing more than breakeven status. At some point, traders have to shift the focus from "minimizing losses" to "maximizing gains". This is very difficult for a trader who is scarred and whose account has suffered serious wounds.

Perhaps the biggest issue with this stage is that traders may be feeling pretty good about their current trading status. They probably have developed a system that produces winning trades more often than not. They probably also take great pride in seeing that many of their trades go on to be potentially very big winners. The only problem is, they never seem to be in the trade for the big gain. They are always very enthusiastic because they are getting more winners than losers, and many of their trades are showing the potential to be huge winners. However, they just do not seem to be in that particular trade as it became the big winner. They got out early to take the profits to avoid being a loser.

The problem with this whole philosophy is that the constant limiting winners to very small amounts in order to avoid being a loser is the very problem with this stage. Traders have to maintain a very high batting average to make money when their average winner barely outpaces her average loser. Again, this is like a silent killer because traders often never realize that they have a problem. They feel good about their trading and the fact that they are breakeven at the end of the month is something they do not see as a problem. They achieved the goal of not losing for the month, and they feel confident the next month will be better because they are trading well.

However, it is often the case that month after month they do not show improvement. They do not know what is wrong so they can never fix the problem. They always assume that the next month will be better though they really make no effort to change anything. They simply keep doing what they have been doing, hoping that somehow the small winners will turn out the big ones.

Like any other problem in trading, the first step is to acknowledge and understand that there is a problem. If you have the technical skill and you have been finding the good trades, but you are not showing a profit, you have to admit you have a problem that needs to be dealt with. More times than not traders become incapable of properly managing their trades. If you would stop and review the trades you done over the last two weeks, and take a look at how effectively you managed those trades, you may find that many of your trades went on to reach the targets that you expected, but you took only a fraction of the gain. Once you understand you have the problem, the next step is to begin to find a solution. Some traders are able to fix this on their own, but some need additional help.

There are ways to manage trades that can help you improve your odds of success. Some of the ways simply include managing using basic technical concepts that look to get the odds in your favor to achieve bigger targets without sacrificing existing profits. Many of the methods used to help traders are more advanced in design and can help to eliminate some of the psychological issues traders have letting trades run to bigger targets; while at the same time, being able to take smaller losses on some of the stopped trades.

Closing Comments:

This Saturday I will be teaching a class called Advanced Management Strategies. It is designed specifically for those traders who have taken Trading the Pristine Method and feel that they are technically competent, but are not producing the desired profits they would like to see. This is a very advanced class and will help deal with the issue of properly managing trades. It is a very technical class, but the results of these technical concepts will help you to overcome many of your psychological issues. Pure confidence and an understanding of the charts will override your need to exit trades prematurely. I hope you can join me this Saturday. There will be a free workshop Thursday if you want more information, and you can also ask about one simple step you can do right now that takes most people from small losers to small winners. Ask me Thursday night.

How to Apply For a Grant For Free

2011-09-16T04:08:00.001-07:00

Expert Author N. S. Jenks

Grants may seem like a mysterious world, but billions of dollars are available each year to individuals, government agencies, and organizations. Grant awards are wonderful because they never have to be repaid...and you don't have to pay to apply for them. To apply for a grant you can win, however, there are several basic steps you should follow:

* Step 1: Clearly understand who and what you are. Amazingly, those who offer grants report that as many as 90% of the applications they receive are rejected almost immediately because the applicant is not even eligible for the grant. Grants are given for very specific purposes to very specific entities, so understand at the outset if you are applying as an individual, a not-for-profit organization (specifically as defined by the IRS), a government agency, a business, etc.

* Step 2: Start with the Federal Register. This is the government's official source for announcements of all kinds, including grants. It offers a fairly straightforward search tool you can use to regularly look for grants related to your keywords. (If you find the tool confusing, there are free how-to guides available.) Take a look at the summaries returned for your search and see if you find something that matches you and your purpose.

* Step 3: To further investigate potential government grants, go to individual agency websites related to your area. Many of them have sections dedicated to grants. By narrowing your focus you will have fewer results to search through. As an example, the National Science Foundation provides an extensive index of funding opportunities and also allows you to search by keyword and to browse by Program Area (e.g. Engineering, Education and Human Resources, etc.), or by Special Programs for different student levels and for Small Business.

* Step 4: Check out grants available from private foundations and corporations. You may get many leads by doing a basic web search (e.g. "foundation grants artists" or "corporate grants"). Visit your library to ask for advice and see if they carry the Foundation Center Cooperating Collection, which will include an index of funders. Also visit the website of the Common Grant Application, an excellent source for both grant seekers and grant makers. Here you can sign up and register for free, then search for grants and submit a standardized application that can be seen by many potential grant makers.

* Step 5: Once you have found a grant that looks promising, go to the website for that grant and first read through the qualifications for eligibility very carefully. Making a mistake here can cost you lots of time and effort. Be sure you are a qualified applicant -- and that you can meet all deadlines -- before you go any further!

* Step 6: With Step 5 complete, you are now ready to apply. First read through the entire grant package - regardless of how long or tedious it may appear - and follow every guideline precisely. Create an outline for your application that exactly matches the grant requirements. Follow all instructions, provide all requested data and documentation, and meet all deadlines for submission.

Bonds Are A Mess

2011-09-15T02:32:00.001-07:00

The bond market is a mess. Government interest rates are at an all time low and have been low for quite some time.

Right now, you have to invest in a government bond that has a 10 year maturity just to get 1.97% a year. And that's investing in a US Government Bond.

If you look at the US versus the Eurozone, our debt is only going up, and their debt... well, their debt may wipe out the Euro. If one more country needs to be bailed out of if Greece or Ireland default on their debt payments, the Euro as we know it may not exist.

The Euro carries too much of a risk premium to consider investing in it. There is way too much risk. I had a friend bet me a year ago that the dollar would be gone in a year. Obviously, I won. However, I would take that bet against the Euro failing in the next year if they don't make significant changes.

And then there is the US - in 2016 the US can't afford all the debt payments that we have on our current debt. For an individual, that spells bankruptcy. For the Government, well... I don't know what that means.

What I want to know is why would you take the risk in investing in the US Government debt, and especially at a rate that barely keeps up with inflation and you have to wait 10 years to get your principal back. But there is a solution.

Look towards corporate debt. The US Government may not be a rock solid bet, but the companies in the US can still generate a profit and are still run by the entrepreneurs of the world with ideas that lead the rest of the world.

Look at companies or funds with very strong balance sheets, lots of cash on hand and very little debt. On a bond fund with an average yield to maturity, you can get an average yield that is 1.5% more thank you would get on any government bond.

I would recommend corporate bonds over US Government bonds every day of the week. I continue to believe in the American entrepreneur and not the federal government to pull us out of this economic downward spiral. As long as corporations have strong earnings, even if they are only up slightly year after year and they have a very low debt to income ratio, they should be strong candidate. I would even take higher risk bets in companies over Government bonds right now. A few high yield bonds will add great yield to your overall portfolio, with minimal levels of risk.

The bottom line is that you don't have to stay out of the bond market which has rallied this past summer, just invest in the smart areas of the market. Put your faith in the business owner instead of the politicians.

The Disappearing Values of Cash

2011-09-15T02:26:00.001-07:00

Once upon a time, gold was the standard - and the value of world currencies were measured by the gold they had to back their currency. With the exchange of the gold standard for the US dollar as the standard - nations now had the freedom to print money as they needed, impacting the buying power of that money.

Everyday, people exchange their cash for goods and services. Very often, these things are consumed and no longer exist beyond the moment; and those that do - very often decrease in value over time. As per this chart, $100 US dollar buys now what approximately $2 bought in 1972.

As another example, based on the value of silver in 1966, if you had $2500 in cash or silver - you could have purchased a brand new Mustang car. If instead, you put the cash and the silver in the bank - fast forward to the year 2011, and with the $2500 cash, you would have a modest down payment on a Mustang; but with the current value of silver, you could purchase three brand new Mustangs, and still have money left over for a luxury cruise.

The act of exchanging your cash for something that lasts beyond the moment, and whose value increases over time will usually be considered valuable, even if the item is a piece of art, a collectible or heirloom. If not, it is at least a purchase that can be enjoyed time and time again offering value, even if that value cannot be quantified in dollars and cents.

Real Estate comes to mind as an example. Traditionally, a real estate purchase has lasting value, can be enjoyed time and time again, and offers value both in quality of lifetime memories and sometimes in re-sale value. In truth, real estate should really be categorized as an expense and not an asset. It exists as an expense with your bank where you hold your mortgage; and even when it is fully paid off, maintenance is expensive and ongoing.

So that brings me to an exciting suggestion. What if you exchanged your cash for quasi-cash? When you buy gold and silver in any form, in most cases you have traded up as globally, currencies buy less and less every year. Gold and silver however, have held their value better, and often seen a significant increase in value. In fact, historically when the world operated on the GOLD STANDARD, the US dollar built its reputation on being as good as gold, allowing for the US currency to replace gold as the standard for trade, local and global commerce.