Tag Archive | "Market"

Real_Estate_Finances

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Benefits of investing in real estate

Posted on 24 April 2015 by admin

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You have a surplus of cash. You don’t want to invest in the stock market, you don’t want it to sit in a bank, but you have no idea what to do with it.

In a downturned real estate market, one of the best investments you can make is in real estate. Especially if you know how to renovate a house yourself, you can make a good amount of quick money by flipping houses, or even sitting on them until the property value increases.

Like anything, investing in real estate can be risky, but if you do it right, you can make on of the more sound investments out there. You can also get creative with it, and, if you are diligent enough, can be your boss for the rest of your life without having to work too much.

Here are some benefits of investing in real estate:

Diversification value

If you have ever heard the term “Don’t put all of your eggs in one basket,” you know that this especially applies to your assets. Diversifying your portfolio can yield large returns, and even better, it makes your overall financial situation much less risky. Even if one endeavor fails, you can turn to something else, so hard times are much less likely to occur. Though you have to be especially diligent with your accounting, the results are well worth it.

Yield enhancement

Real estate allow you to achieve higher returns for your given portfolio. Obviously, the more properties you own, the more profit you will yield, but even if you only own one small place and plan on flipping it, you could gain a large sum of money while holding down another job.

Influence performance

One of the best things about real estate is you directly control the a portion of the value of the property. Though there are many things that are harder to control, such as the surrounding neighborhood, property value or the overall market, you can do many things to increase the value of the actual house. For instance, you can fix a leaky roof, paint the property or landscaping. You can also contact city officials, become a member of your neighborhood organizations or be proactive in city meetings. This can greatly improve the overall quality of a neighborhood.

Independence

One of the greatest things about owning real estate, though, is the independence that comes along with it. Not only can you do whatever you want with a property (at least within city zoning guidelines), you become financially independent. For instance, if you buy a property, you can either flip it, keep it or rent it out to tenants. You can either gain a large short-term yield or a bigger, long-term investment. If you own several properties, you no longer have to worry about holding down a 9-5 job, but can instead focus on buying more properties.

Making money is never easy, and it is always risky. But it is certainly possible through real estate

Anthony Sens works for a consumer bankruptcy firm. You can learn more about real estate and finance at http://topneworleanslawyers.com/

 

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currency

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Foreign Currency Hedging Example – Hedge Trading On The Forex Currency Market

Posted on 15 October 2011 by admin

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Trading on the forex currency market can be a volatile yet exciting form of investment and certainly has the potential of bringing vast rewards if done so properly. Foreign Currency Hedging Example

However it should be accepted that forex currency trading could also be a very risky investment as the market can swing both in an upward and downward movement in a split second depending on the market conditions. Some people, and indeed institutions, try to control these volatile market swings by hedge trading their investments.

For instance it is possible with some forex trading systems to hold both a long and short position on a currency pair, which means that you have both bought a lot of currency with a view to profiting from the rise and the fall of a currency pair.

For example a currency pair could be the Great British Pound as related in value to the US Dollar or GBP/USD, and the rise in this market would be referred to as a long position as opposed to a fall in this currency market, which would be referred to as a short position.

In practice what this would mean is that either way the market moves you are gaining on one position while you lose the equivalent amount on the other position.

The net result of this on first sight would suggest that you cant particularly loss money but also you cant gain any money so how can this be of any particular use in an effort to successfully trade on the forex. 

Well of course no money can be made until you close one of the positions, which would be the one that is losing money while leaving the other currency position open that is gaining profit to move further and gain you an overall profit.

You could for example close the losing position at a 20 pips loss and then close the profiting position at a 40 pips gain, giving you an overall profit of 20 pips.

Pips are the single value point movement of the currency and where the GBP/USD moves from 1.8800 to 1.8840 would be a 40 pips difference.

It should be remembered of course that a currency pair could well move in one direction and exceed your 20 pips level to close the position but then reverse in direction and never reach your targeted gain level of 40 pips so even hedge trading is not a guarantee of certain success.

The 20 pips loss level and 40 pips gain level are only used here as an example and if you use this method of trading you would be well advised to set your own levels that you feel are right and acceptable to your own currency trading experience and acceptable risk strategy.

All that can be said is that it does offer an alternative method of currency trading but should still be ventured into with predetermined loss limits and careful study of the currency market.

With most online forex currency trading sites a demo account can be opened first to help you experience what forex currency trading is all about and this is an ideal way to first get involved without any loss of real money. Foreign Currency Hedging Example

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Basic Course on Stock Market

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Basic Course on Stock Market

Posted on 07 September 2011 by admin

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By Precision technicals In 2008 the markets entered a correction phase and predictably, millions of investors across the globe lost money in the falling markets. Though many took bitter beating stock markets eventually witnessed a price as well as time correction. Today sentiments are improving and India has emerged as a favourite destination for global investors. There are several thousands of new entrants in the stock market daily. And this number is bound to go on rising as markets show movement. The best feature of a stock market is that you can make money not only when markets rise but even when they fall. Stock trading is the one of the few businesses in the world that has this unique capability. In last few cycles of bulls and bears in India we have witnessed people entering the markets with high expectations making money in the bull rally and finally losing all the gains as the markets turn bearish. The high tide takes the investors portfolio up and the low tide brings it back down. Eventually a disheartened investor gives up and gets back to some regular business. This, a frequent phenomenon, is a blow not only to the investor but also to the market as it loses a prospective big-time investor. The main reason for this, according to our experience, is: a person who enters the stock market has high ambitions of making money but lacks the power of knowledge. The killer trap of intraday trading and wishful thinking weighs heavy on this investor. Dreams of rewriting

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August 26th 2011 CNBC Stock Market (Federal Reserve Chairman Ben Bernanke says no to QE3)

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August 26th 2011 CNBC Stock Market (Federal Reserve Chairman Ben Bernanke says no to QE3)

Posted on 07 September 2011 by admin

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8/26/2011 – CNBC Stock Market (Federal Reserve Chairman Ben Bernanke says no to QE3). Federal Reserve Chairman Ben Bernanke said the Fed stands ready to help the economy in its recovery, but he stopped short of talk of monetary easing.

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How To Spot The Market Bottom

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How To Spot The Market Bottom

Posted on 07 September 2011 by admin

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A free nightly market analysis video provided by the Founder of www.PerfectStockAlert.com Visit our 100% FREE website today!

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Low Volume Market Rallies Fail

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Low Volume Market Rallies Fail

Posted on 07 September 2011 by admin

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A free nightly market analysis video provided by the Founder of www.PerfectStockAlert.com Visit our 100% FREE website today!

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Stock Market Videos: Markets To See Upside, Profits Next Week

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Stock Market Videos: Markets To See Upside, Profits Next Week

Posted on 07 September 2011 by admin

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The markets had a wild week as options expiration took place. Major levels were hit, held and by the end of the week, a late surge took place into the close on Friday. This was due to optimism for a debt ceiling agreement based off comments from President Obama. Next week, the markets must hold $130.75 on the SPY. If this holds, an up week is likely. Earnings will continue next week in full force with major players reporting. Small caps continue to be on fire. Take the seven day free trial to the Research Center and Intra Day Stock Chat. Get the latest swing trades on large caps and small caps that are making our members big money. Profit with the pros. Tickers: NASDAQ:AAPL, GOOG, NYSE:IBM, SPY,

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Oil Signals Market Peak

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Oil Signals Market Peak

Posted on 06 September 2011 by admin

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A free nightly stock market analysis video created by the Founder of PerfectStockAlert.com. Visit our 100% free website at www.PerfectStockAlert.com today!

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US STOCKS SNAPSHOT-Wall St down on Europe; bear market feared – Reuters

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US STOCKS SNAPSHOT-Wall St down on Europe; bear market feared – Reuters

Posted on 06 September 2011 by admin

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Reuters

US STOCKS SNAPSHOT-Wall St down on Europe; bear market feared
Reuters
NEW YORK, Sept 6 (Reuters) – Wall Street fell for a third straight day on Tuesday on fears Europe is failing to tackle its debt crisis, prompting worries the market is headed to new lows for the year. Markets finished off their lows of the session,
BrieflyCharlotte Observer

all 18 news articles »

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Groupon Reevaluating IPO Plans Due to Market Volatility – Wall Street Journal

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Groupon Reevaluating IPO Plans Due to Market Volatility – Wall Street Journal

Posted on 06 September 2011 by admin

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The Atlantic Wire

Groupon Reevaluating IPO Plans Due to Market Volatility
Wall Street Journal
By SHAYNDI RAICE Groupon Inc. canceled its roadshow and is reevaluating its plans to go public in the face of stock market volatility, said a person familiar with the matter. The Chicago-based daily deals site isn't cancelling its initial public
Groupon holding off on IPO, cancels investor roadshowBizjournals.com
Groupon's IPO Path Gets Less CertainTheStreet.com
Groupon reconsidering IPO game plan: reportMarketWatch
Bloomberg –New York Times –AFP
all 115 news articles »

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How to Invest in Indian Stock Market?

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How to Invest in Indian Stock Market?

Posted on 06 September 2011 by admin

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Investing in Indian stock market is the best way to build wealth. However, many people are wary of the stock market as they think stock investment is a risky investment. Stock investments are risky, but if investment is made in the right stocks and in a proper manner, it is the only way to build wealth and beat inflation.

There are two types of investors. If you are a short-term investor, you can make money with intraday trading in Indian stock market. However, this is a more risky form of investment and requires superior trading skills and practice. If you are a long-term investor, you can buy value stocks, growth stocks and dividend stocks which will give you good returns in long term. This is the best strategy for stock market investments as in the long term, the risk factor decreases significantly.

To make stock market investment in Indian stock market, you can buy large-cap stocks like Reliance Industries, Infosys, SBI, ICICI Bank, Mahindra & Mahindra, SBI, BHEL, L&T, Reliance Communication, ACC, Bharti Airtel, Sterlite, TCS, Tata Steel, HUL, Hindalco, Jindal Steel, Cipla, Hero Honda, Reliance Infra, ITC, DLF, Tata Motors, JP Associates, HDFC Bank, Tata Power, Maruti Suzuki, ONGC, NTPC, Wipro and HDFC.

You can also buy shares of mid-cap companies which can be mutlibagger stocks in share market. India has largecap stocks which were midcap stocks in the past. So it is better to watch out for these potential stocks which can garner good returns in the future.

Stock trading in India is simple and hassle-free. You need a demat and trading account for stock market India. You can open an online stock trading account with any online stock broking company in India. By opening an online trading account you can avail of different investment avenues for investing online: stock market, mutual funds, commodities, IPO, futures and options, currency trading and more.

Angel Broking is one of the top stock brokers in India offering online stock trading in Indian stock market. You can also invest in mutual funds, commodity trading, futures trading, online IPOs, currency trading with Angel Broking. Angel Broking has three online trading platforms for online stock trading in Indian stock Market – Angel Investor, Angel Trade and Angel Diet.

Angel Broking also offers various tools and applications for online stock trading. Angel Market Watch is a free desktop application which helps you keep track of favourite stocks. Angel Portfolio Manager keeps track of all your investments and gives you a real-time picture of your portfolio. Angel Broking’s mobile application, M-Connect help you stay in touch with stock market anytime, anywhere. You can check latest Indian stock price on your mobile, get latest stock market news and access you demat account and trading account information online. You also get instant trade confirmation on your mobile with Angel Broking’s SMS services.

Angel Broking also offers Portfolio Management Services and Advisory services to investors and guide them to make stock investment in Indian stock market.

Angel Broking is one of the best stock broking and wealth management companies in India. Angel Broking offers various products and services to Indian investors including online Online Stock Trading, mutual funds, derivatives trading, commodity trading, IPO, PMS and investment advisory services.

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Stock Market Analysis for Ending Day 07/22/2011 ** QQQ Makes New 52 week Highs **

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Stock Market Analysis for Ending Day 07/22/2011 ** QQQ Makes New 52 week Highs **

Posted on 05 September 2011 by admin

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Facebook: CHANNEL GUY TRADER ** Please rate the videos and subscribe. Stop by and check out our blog at askchrishetrades.blogspot.com for intraday analysis and commentary. **

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How To Short A Market Bounce

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How To Short A Market Bounce

Posted on 05 September 2011 by admin

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A free nightly market analysis video provided by the Founder of www.PerfectStockAlert.com Visit our 100% FREE website today!

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US STOCKS-US labor market woes sink Wall Street – Reuters

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US STOCKS-US labor market woes sink Wall Street – Reuters

Posted on 04 September 2011 by admin

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Reuters

US STOCKS-US labor market woes sink Wall Street
Reuters
NEW YORK, Sept 2 (Reuters) – US stocks tumbled 2 percent on Friday after data showing zero jobs growth in August brought investors face-to-face with the prospect of another recession. The declines left Wall Street lower for the sixth
Wall Street slides 2% after job growth stallsEconomic Times
Payroll worries end Wall Street's four-day rallyReuters India
Weekend markets: Jobs report sends stocks tumblingNational Business Review
The Australian –Buenos Aires Herald
all 139 news articles »

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August 4th 2011 CNBC Stock Market Closing Bell (DOW drops 512 points) Part 1 of 3

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August 4th 2011 CNBC Stock Market Closing Bell (DOW drops 512 points) Part 1 of 3

Posted on 04 September 2011 by admin

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8/4/2011 – CNBC Stock Market Closing Bell (DOW drops 512 points) Part 1 of 3.

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A Peek at The 2010 Newport Beach Real Estate Market

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A Peek at The 2010 Newport Beach Real Estate Market

Posted on 04 September 2011 by admin

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As one of the states hardest hit by the housing crisis, California real estate is set to meet 2010 with another shot at market recovery. Experts are particularly keen on markets like Newport Beach, where home sales and median prices went from peak to rock bottom before leveling out toward the end of the year. One thing’s for sure, though: Newport Beach real estate remains among the most coveted in the state, and the odds are certainly in its favor this coming year.

So what can home buyers and sellers expect from Newport Beach real estate in 2010? The California Association of Realtors (CAR) offers the following forecasts.

“New normal”
CAR president James Liptak isn’t expecting a full market recovery—that is, we won’t be seeing the sky-high figures from back in 2006. Rather, 2010 will see the birth of a “new normal” in sales and home prices. Sales will stream in more steadily, rather than in bursts of high and low as was the case last year, albeit with an expected decline of about 2.3%. Home prices, on the other hand, are expected to go around 3.3% higher. For Newport Beach real estate, upscale areas like Corona del Mar may take a little longer to even out.

Low and high end homes
The gap between low-end and high-end California housing will become even more pronounced, according to Liptak. Newport Beach real estate obviously falls under the latter, with its median home price of over $1 million. This means it will attract more investors and seasoned buyers rather than first-time homeowners. Sellers will continue to struggle as buyers face tight financing standards. Buyers have also become more wary of where prices might go, so many might decide to wait it out for another year or two.

More distressed sales
Distressed homes will account for almost one out of three sales in 2010. CAR vice-president and chief economist Leslie Appleton-Young says this makes the expected inventory quite lean, with a six-month supply during the off-season and a four-month supply during the peak. Newport Beach real estate is particularly known for its high share of distressed properties, which have caused weekly price drops of over 40%.

Economic pressures
Various economic forces will have an impact on the California and Newport Beach real estate markets in 2010. These include an oncoming wave of foreclosures, loan modifications and resets, the job market, and California’s current budget crisis. Foreclosures may be particularly high in upscale areas like Newport Beach, as a growing “shadow inventory” that accumulated in 2009 starts coming to the fore.

Author is a Realtor having 10 years experience in Newport Beach Real Estatemarket. In this current series of article he presents his views on the various topics related to Newport Beach real estate market.

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Why Money Market Rates Will Not Stay Low Forever

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Why Money Market Rates Will Not Stay Low Forever

Posted on 04 September 2011 by admin

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Investors have suffered through low money market rates for years now, but interest rates in the United States and around the world cannot stay low forever. Low interest rates reward borrowers and punish savers which is a combination designed to encourage people and businesses to spend money and boost the economy. Why Money Market Rates Are Currently At Historic Lows Money market rates continue to stay at historic lows because of the Federal Reserve. The Federal Reserve sets what is called the Federal Funds Rate which is the interest rate that banks charge each other to move money back and forth in short-term loans. Banks also use this rate to help them set the prime interest rate which most other financial products such as Treasury notes, home mortgage loans, and even money market accounts are based off of.

When the Federal Reserve raises the Federal Funds Rate, the only interest rate they actually control, all other rates follow. So until the Federal Reserve makes a move, no other rates including money market rates will rise. Why Money Market Rates Can’t Stay Low Forever Banks will again start lending money to more and more customers as the economy continues to improve. With the eventual influx of a need for new loans for homes, cars, business, and other reasons, banks will need money from depositors to lend. This is an example of classic supply and demand. Because banks will need more deposits, money market rates will eventually rise as demand increases for loans. Banks will not have the deposits to lend if they do not entice customers to keep their money in their vaults. This will ultimately raise the interest rates that investors earn on money markets and savings accounts. When Can You Expect Money Market Rates To Rise?

No one knows for sure when money market rates will again start to rise. The Federal Reserve’s interest rate cuts have kept inflation near an all-time record lows. But, the low inflation has been devastating to long term interest rates. Everyone has an opinion and a guess on when the Federal Reserve will once again begin to raise interest rates, but no one knows for certain. It is this uncertainty that keeps investors on their toes. Investors must remain diligent in order to find the highest money market rates and other interest rates on investments.

About Author
Hank Coleman is the founder of several financial blogs, focusing on topics such as how to find the best money market rates and other profitable investing opportunities. He is an entrepreneur and professional in the government sector. Hank holds a Bachelor’s degree in Business Administration, a Master’s in Finance, and is currently studying for his Certified Financial Planning (CFP) credentials. Always looking for a trusted financial institution for advice and tips he tends to look up information at http://www.discoverbank.com more often than not.

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How Real Estate Market Has Completely Changed In Past Few Years

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How Real Estate Market Has Completely Changed In Past Few Years

Posted on 02 September 2011 by admin

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With the advances of real estate technology over the past decade, there are so many changes occurring in the real estate business. Internet plays a very important role for changing the real estate business in past few years. We all understand that the internet has fundamentally changed how we live our lives on a daily basis. In 1973 the real estate industry was introduced to national expansion, franchising and the value of real estate branding on a national scale. Nowadays people use real estate for a wide variety of purposes, including retailing, offices, manufacturing, housing, ranching, farming, recreation, worship, and entertainment. Today mostly people use internet for real estate marketing purpose. If we talk about Hamptons Real Estate numbers of changes occur in last few years. In Hampton the highest average sales price of $1,787,955 occurred in 2007, the lowest occurred in 2000 at $607,014. Real estate marketing will become more effective nowadays. There are many factors that influence the real estate market like statistics, perception, expectations etc. This year real estate market is doing okay; homes are selling for what they are worth. Hampton real estate market experienced very less impact of recession. People preferred to migrate in Hampton city; this will increase the demand for home and increase the business in real estate market.

Now a days people are like to become second homes owners and second home sales are increasing tremendously that will directly affect the real estate market. Few years back people were not interested to buy second homes. Now real estate agents offer wide range of choices to their customers that attract more and more people to buy and sell their homes through real estate agents. Due to busy and hectic schedule now people are more addicted towards tours and trips so whenever they get chance they are ready to move away from their home and spend vacation in some other place. People prefer to buy homes rather than stay in hotels this also affects the real estate marketing. Online websites are built for real estate business that saves customers time, transportation and reduce burden too. All these factors are affecting the real estate market and increase the real estate business. So it is easily noticed that real estate marketing has completely changed from last few years.

About Author
Billwilliamsrealty provides you Hamptons Rental Homes. It is one of the most comprehensive sources for rental and vacation homes in the Hamptons. It accommodates Online Hamptons Homes for Sale services in Hamptons.

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Buying or Selling Real Estate in Slow Market

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Buying or Selling Real Estate in Slow Market

Posted on 01 September 2011 by admin

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A slow market is usually identified by little or no activity going around in the market. Normally, real estate bubble bursts are followed by slow markets where sellers find themselves at the wrong end. Sellers are reluctant to sell at low prices (because they have purchased it at insanely high prices) while buyers are reluctant to buy at high prices (because the actual value of the property is less than what the seller is demanding). It results in lots of properties lying vacant for months; supply outstrips demand, which gives buyers an upper hand over the sellers. Eventually, sellers are forced to revise their pricing and buyers are in a strong position to negotiate.

Quite obviously, Buying in a slow market is not a problem; however, you are in for some real stress if you are the one, looking to sell your property in a slow market. If you are not in urgent need of money, you may think of delaying the sale, but even then you will have to incur carrying cost (e.g. utility bills, mortgage installments or property tax). You must start from realizing that you’ll have to compromise on your asking price. Irrespective of how much the property cost in the past, you must settle on a price which is in line with the current situation. In some cases, waiting too long for market recovery will result in unsustainable financial burdens, so it’s better to sell it out on give and take basis.

Apart from the compromise on prices, you’ll have to be a little creative when it comes to marketing your property for sale. Remember that there are thousands of properties lying vacant in the market; you need to make sure that your property stands out from those properties, one way or the other. In a market, where buyers are few and far between, you need to work extra hard to tempt these buyers. There is no need of getting desperate and setting a price too low, the best idea is to do a little research and watch out for the prices of properties which were sold in recent past. It will give you a good idea of what is the appropriate selling price for your property. You can also offer good commission rates to real estate agents to tempt them into selling your property sooner than the others. Take maximum advantage of the low cost or free advertising mediums such as online property portals or local newspapers.

About Author
  William King is the director of http://www.zameen.com/> Pakistan Real Estate & Pakistan Property Portal , http://www.bayut.com> Dubai Real Estate & Dubai Property . He has 18 years of experience in the marketing and trading industries and has been helping retailers and startups with their product sourcing, promotion, marketing and supply chain requirements.  

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How to Succeed in The Forex Market

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How to Succeed in The Forex Market

Posted on 06 August 2011 by admin

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I will do this fast and easy to understand. Great knowledge, complicated market analysis and a healthy ego does not increase your chances of success in any financial market. I would rather say, that the effect could be exactly to opposite of your expectations. Having only the knowledge is worthless, if you don’t follow a simple plan and take action. You must get rid of your ego, respect the markets and learn from your mistakes in order to succeed on long term. There is just no other way if you want to be part of the winning 5 % in this world.Trading Forex, Stocks and any other financial is can be quite easy, and if you believe it or not, the simple trading systems work best – If you overcomplicate things, you are doomed to fail; as simple as that.

Believe it or not, but there are no secrets, hidden codes or mystic formulas in trading. It is your emotions, like greed, fear and anger that keep you from long term trading success.Not every trade you do will be a winner and you have to accept this, or don’t even start. Please remember, there are no 100 % winning systems. The good thing is that you don’t have to win every trade. With a simple trading system, good money management rules, discipline and control of emotions, your success is almost guaranteed. We here are highly experienced traders and work as a team. We focus on a simple, powerful and highly profitable trading system. Our goal is to help you with your trading by sending swing trading signals directly to your mail, sms or iphone. Feel free to take a look at our webpage, give us your feedback and take advantage of our special offer.

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forex trading Forex

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How to Find The Best Money Market Rates

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How to Find The Best Money Market Rates

Posted on 26 July 2011 by admin

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Money management consists of four basic principles: earning, spending, saving, and investing. While earning makes it possible to spend, saving makes it possible to invest. Thus, an essential part of any sound money management plan is savings. Apart from earning more than you spend, you must also save money for an emergency or for an investment. Moreover, you need to save for both short and long-term goals. A money market account is one way of saving, and it is important to know how to find the best money market rates. What Is A Money Market Account? A money market account is a special savings account offered by banks and credit unions. It offers a higher interest rate than a traditional savings account and is just as low in risk. It is designed to yield financial growth over the life of the account. Money market accounts are also known as money market deposit accounts. Many times, they are referred to by their first letters. So, you will hear someone refer to a money market account as an MMA or to a money market deposit account as an MMDA.

What Is The Difference Between A Money Market Account And A Basic Savings Account? This is one of the first questions those interested in opening up a savings account ask when a bank or credit union representative asks them if they would be interested in considering a money market account instead of a traditional savings account. Aside from the fact that they both help you structure your savings goal, they are very different financial instruments. A money market account offers a much higher interest rate, which gives you a better chance for financial growth. You are required to maintain a higher minimum balance and to make fewer withdrawals with a money market account. Although a money market account is classified as a deposit account, you are permitted to write checks to withdraw funds. There is usually a restriction to the number of check transactions allowed within a certain timeframe. If the transactions exceed this allowable limit, a higher fee may be imposed on the account or it might even be closed down.

Even more than a savings account, money market accounts are established to give banks reliability in their deposits for issuing new loans from those funds. Money markets thereby allow individuals to earn a higher interest on deposited funds in a low risk environment and these restrictions allow money markets to provide stable funding for bank operations and offer customers higher money market rates. What Are Money Market Rates? If your aim is to achieve maximum financial growth from a savings vehicle, than it is imperative that you find the best interest rates through careful research. Interest rates differ because banks are also in the business of attracting new deposits. Moreover, some banks offer tiered interest rates. This means the higher the account balances, the higher the interest rates.

While there are, of course many ways to research anything, the quickest and most convenient way for someone to start getting serious about savings is to search online for money market rates. Apart from speed and convenience, an advantage to doing your research on the Internet is that you can compare up-to-date rate information from banks, credit unions, and other financial institutions side-by-side. Overall, by doing online research on money market rates, you can make numerous comparisons and review the different features available before arriving at a decision. A well thought out decision will go a long way in how much value you earn from your money market account. A good decision will help you achieve your financial objectives.

About Author
Hank Coleman is the founder of several financial blogs, focusing on topics such as how to find the best money market rates and other profitable investing opportunities. He is an entrepreneur and professional in the government sector. Hank holds a Bachelor’s degree in Business Administration, a Master’s in Finance, and is currently studying for his Certified Financial Planning (CFP) credentials. Always looking for a trusted financial institution for advice and tips he tends to look up information at http://www.discoverbank.com more often than not.

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Bull Market Dead! Now What?

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Bull Market Dead! Now What?

Posted on 25 July 2011 by admin

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A free nightly market analysis video provided by the Founder of www.PerfectStockAlert.com Visit our 100% FREE website today!

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Why Does Market Movement Fluctuate The Mortgage Rates

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Why Does Market Movement Fluctuate The Mortgage Rates

Posted on 23 July 2011 by admin

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The rates generally rally up with news of weak housing data. Typically mortgage rates fluctuate with the movement of market prices for mortgage-backed securities. It is important to determine from qualified advisors the potential movement of rates with current economic trends and how lenders are typically responding with their rate offers, and their marketing messaging. Buying a home is likely to be the largest, most significant purchase of your life. So while it is part of the “American dream,” it can be equally as exciting as it is stressful for many people. Down payments represent the amount of cash investment that buyers have available to put towards the purchase price of a home. Depending on the type of loan, there may be restrictions on the down payment, such as the length of time for which the cash has been in the buyer’s possession, the source of those funds, whether the funds were a gift or not, etc. Furthermore, often times prospective home buyers estimate their down payment requirements by simply multiplying the percentage of down payment by the value of the home, which can be incorrect. Involving your lender early can help you with understanding how much of a monthly payment you can afford, how to calculate the down payment needed and ultimately the maximum purchase price of a home. The principal is the final loan amount needed to secure the home purchase. The principal may or may not include all of the closing costs rolled up into the loan. Securing the right mortgage rates for home purchase loan may involve the consideration of many factors, several of which are mentioned below.

The duration of the loan is specified by the number of months or years for which the contract is scheduled. If payments are made exactly according to the schedule, mortgage loans are calculated to expire when the final payment in the series is processed. The standard length of term for a mortgage is 30 years, but other common terms are 20 and 15 years, with 40 year terms becoming more popular. Mortgage Interest Rates and APR are two key terms used in mortgages. If you’re not careful, you might confuse or otherwise not fully understand the difference between the two. The mortgage interest rates to purchase home represent only the rate itself, whereas the APR more accurately represents the “true” cost of the loan by accounting for the added costs of lender fees and spreading those fees out across the life of the loan. In this sense, the APR provides an accurate measurement of the cost of the loan over the entire length of term. It is always advisable that you compare both the interest rates as well as the APRs when competing lenders submit mortgage rate quotes to you.

Locking in home purchase mortgage rates is very important. Interest rates can vary from day to day, which means that as a savvy consumer you may want to pay close attention to interest rate tables or establish enough rapport with your lender to make sure you are immediately notified of favorable interest rate drops when home purchase offers are in play. At some later point in the home buying process you may work with your lender to lock-in your low interest rate. Locking in a rate means that the interest rate for your loan is now set and will not change, regardless of the market fluctuations which occur after the rate has been locked. Locking in a rate too early in the purchase process however, could provide you with a false sense of security if the rate expires prior to the loan closing. It is advisable that you work in tandem with your lender to ensure that the lowest possible rate is locked in for your loan at the appropriate time.

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Stock market Analysis – Stock market charts

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Stock market Analysis – Stock market charts

Posted on 23 July 2011 by admin

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indexoptionstrading.alliancemtg.com Here is what the stock market analysis of stock market charts is doing this week. Take a closer look

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How to Identify Buy Signals on Long Term Charts Google Stock Market Trend Analysis

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How to Identify Buy Signals on Long Term Charts Google Stock Market Trend Analysis

Posted on 22 July 2011 by admin

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www.stockmarketfunding.com How to Identify Buy Signals on Long Term Charts Google Stock Market Trend Analysis 10-29-2009 SMF Shows the power of monthly buy signals and how to profit before the options and equities make their move. The Best Stock Market Buy Signal, Stock Market Buy Signal and How To Identify Buy Signals, Stock Market Buy Signal Suggests Early Week Upside Reversal, Stock Market Buy Signal Using Moving Averages, The Best US Stock Market Buy Signal

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Australian Property Market

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Australian Property Market

Posted on 21 July 2011 by admin

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The USA foreclosures and CDO’s (Collateralized Debt Obligations) through the abhorrent banking industry that led to the GFC have impacted property in USA substantially, and in some areas Cities were drastically affected to the point of streets being bulldozed. However, despite the decline in USA property prices in Phoenix, the economy of greater Phoenix has remained quite stable and has given the opportunity for unheard of property deals. With many investors (including 21st Century Members) snatching up properties that were valued at as much as $250k at height of the market, for as little as $50,000-$100,000, and rental returns of 10-26%, it makes property in USA quite attractive. The head of Economic Development For Phoenix joined Jamie McIntyre (CEO of 21st Century Education, which includes a group of 12 companies including a Property Education and Services company) to educate the group of savvy investors on buying property in USA, what to expect for the surrounding area, what to look out for, as well as the economy of Phoenix and why it’s such a great area to invest in.

Phoenix, being larger then Malaysia and Argentina, is Americas 5th largest city with 5.5 million people and growing to 8.8million by 2040 to become America 3rd largest city by 2029. A staggering statistic, especially considering the current property prices. Jamie McIntyre himself invested in property in USA, and was also hosted in the Mayors suite for NBA Basketball match, where he discussed the opportunities for 21st Century Members, and what it could look like for foreign investors outside of the USA. In addition to the education provided by 21st Century Education, 21st Century Members also had the advantage of having access to finance for USA Properties, which is quite difficult to obtain for other Australian investors, especially considering the credit squeeze banks have been holding since the credit crisis.

Jamie McIntyre said:
“After spending time with the Mayor of Phoenix, I am now in talks with US Banks such as Well Fargos, to see if they are considering normal financing for our 21st Century members due to the rapidly increasing demand.”

One can only hope that this becomes available, as the low interest rates provided by banks in the USA, would add a sprinkling on top of the already flavourful pie that is the USA property market and would provide a gateway to the eagerly awaiting crowd of investors in Australia. This amazing opportunity to invest in property is a sure way for almost all Australians to enter the property market as an investor, as the Australian market, which has been steadily increasing the median price upwards of $444,000, (Sydney being $673,500) seems to be getting more and more difficult, with the majority being negatively geared. It’s unlikely that we will see another opportunity like this for many years to come, and many investors are taking full advantage of this opportunity by buying more than one property at a time. Maybe they’re following the words of Warren Buffet: “We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.”

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Jamie McIntyre
21st Century Education
australian property market

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MARKET COMMENT: Novartis, banks help lift European markets – Wall Street Journal

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MARKET COMMENT: Novartis, banks help lift European markets – Wall Street Journal

Posted on 19 July 2011 by admin

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The Guardian

MARKET COMMENT: Novartis, banks help lift European markets
Wall Street Journal
LONDON (Dow Jones)–European stock markets rose Tuesday as solid results from Novartis AG, a rebound for bank stocks and gains for technology companies, helped the region's main indexes recover some of the previous session's heavy
FOREX-Euro rallies ahead of EU summit later this weekReuters
Bank tax proposed to help Greece bail-outFinancial Times
U.K. Government Bonds Decline as Higher Stocks Cut Safety DemandSan Francisco Chronicle
BBC News –Christian Science Monitor –AFP
all 2,094 news articles »

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Gold Moves Above $1600 on the Spot Market – Wall Street Journal

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Gold Moves Above $1600 on the Spot Market – Wall Street Journal

Posted on 18 July 2011 by admin

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Telegraph.co.uk

Gold Moves Above $1600 on the Spot Market
Wall Street Journal
LONDON—Gold prices broke through $1600 a troy ounce on the spot market for the first in Europe, supported by concerns over debt in the US and the bloc of euro-using nations, though more definitive move higher stalled as some
U.S. Commodities Day Ahead: Gold Advances Above Record $1600Bloomberg
Gold futures rise above $1600 an ounceMarketWatch
Gold Could Hit $1700 by End of the Year: AnalystCNBC.com
Financial Times –ETF Trends –AFP
all 141 news articles »

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This Is Not How A Bull Market Starts

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This Is Not How A Bull Market Starts

Posted on 16 July 2011 by admin

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A free nightly stock market analysis video created by the founder of www.PerfectStockAlert.com Visit our 100% free website today!

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Italy’s Market Regulator Imposes Measures To Curb Speculation – Wall Street Journal

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Italy’s Market Regulator Imposes Measures To Curb Speculation – Wall Street Journal

Posted on 10 July 2011 by admin

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Business Recorder

Italy's Market Regulator Imposes Measures To Curb Speculation
Wall Street Journal
ROME (Dow Jones)–Italy's market regulator, Consob, late Sunday approved new transparency measures aimed at fighting market speculation, after a selling wave hit Italian banks Friday. The new measures, which oblige market operators to disclose
Italian regulator introduces short-sell disclosureSydney Morning Herald
Italy Consob may assess moves on short-selling-sourceReuters
Italy's Consob to Meet After July 8 Market Declines, Ansa SaysBloomberg

all 18 news articles »

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