Is your Credit History Correct?


It has been found that there are often mistakes on people’s credit history due to identity theft which happens quite often these days, as well as other mistakes such as it listing your old address or an incorrect address, your name being misspelled, or your old work listed as your current employment.  These may not have any bearing on your credit rating at all, but some things can, such as accounts being listed that do not belong to you.  This needs to be treated very seriously as it could be indicating that there has been some identity fraud in your name.  If you have a correct credit score/history, you can secure a same day cash advance in just 5 minute! My credit score is very important and yours is too.

Most people do not know a lot about credit reporting or scores.  There is also a lot of wrong information around talking about how to fix a credit report.  As a result of this research an experienced mortgage company decided to help people by creating a place you can go to find out your credit scores.  This is important if you would like to apply for a home loan as banks and lending institutions will check your credit history before approving you a home loan and mortgage on your new property.

Mike Clover is behind a website that can help you check your credit score and find further helpful information if you would like to check your credit report is correct.

Risk and the Trading Game


Every time you initiate a trade you start a new game in which you assume all risks for playing the game. By choosing to be an active share trader (or forex or CFD trader) you are seeking risk for a larger return on your cash. One of the most important elements of your trading game is managing risk. Smart traders are always on the lookout to reduce their trading risk and watching the risk currently in play on their trades. The first thing to do is find a reputable forex company

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Stock Market Day Trading Book > Learn Stock Trading Online – Picking Hot Stocks


Beginner traders often fantasize or wonder how some people are able to achieve tremendous profits by emini day trading stocks for just a few hours on a daily or weekly basis.

So going farther than the hype & the bells and whistles that a lot of the called “trading gurus” like to invoke, the real “secrets” of the stock market game are enclosed within the trading set ups and market signals you rely on to decide how to CHOOSE stocks, as well as WHEN to BUY & when to SELL them, or even when to SHORT SELL those that are poised for a profitable fall.

So the clearer your set ups are, the faster you can spot a potentially profitable trading scenario and ACT ON IT reducing your risk.

Complicated technical systems and information overload can make you slow and confuse you right from the start, making you loose money instead of making your profits grow.

In essence, You can be sure that the trading method you employ to approach the stock market and pick stocks can make a big difference in your results as a trader. In order to succeed you will need to FOCUS on a set of simple trading strategies that you can implement without hesitation.

Fortunately some sites on the web do offer more effective and updated day trading methodologies. One of those sites that can show you how to take advantage of certain stocks on positive and negative momentum as well is

They focus on momentum stock trading strategies, that are practical and easier to apply than many other technical systems out there.

Stock trading doesn’t have to be complicated as many people perceive. But you do need to follow a well organized set of rules and tactics, that once you master them, you can aspire to replicate profitable trades with consistency.

By: Day Trade Online

About the Author:

Chat Hot Stocks helps stock traders and investors take advantage of practical stock trading opportunities every day at

Debt Consolidation Advice: Helps you Cater the Repayments of Various Debts


People take out loans with high interest rates without giving even a second thought as to how they will repay them. As soon as they realize that they have committed a mistake its to late. But no need to press the panic button, you can get rid of all your debts by applying for a debt consolidation online. Debt consolidation advice will help you merge all your debts into one debt with a low interest rate. After this it is worth visiting a  credit counseling service to prevent the same situation occuring again.


Debt consolidation advice helps you tackle your multiple debts economically. With debt consolidation advice you can merge all your existing debts into one with low interest rate. This way you’ll have to pay only one monthly installment instead of many. The interest rate will be charged on a single debt instead of many. Also you don’t have to listen to the nagging calls from your creditors; instead you’ll be answerable to only your lender. Your debt consolidation adviser will help you get a debt consolidation loan at lower interest rate and flexible repayment duration. Debt consolidation advisor will also help you to manage your existing debts. With the help of your debt consolidation advisor you can get rid of your loans and lead a debt free life. Debt consolidation advice is also available for people suffering from bad credit status. A person can get a tag of bad credit due to reasons like arrears, defaults, CCJ, IVA, bankruptcy etc. but now they can also avail the benefits of debt consolidation advice. There are many banks financial institutions, lending firms that offer debt consolidation advice at nominal charges.


Debt consolidation advice is very important for people suffering from multiple debts. With the help of debt consolidation advisor such people can get rid of their loans and will be able to lead a debt free life. Debt consolidation advisor will help you obtain a debt consolidation loan at lower interest rate and reasonable terms and conditions. You don’t even need to search for a lender; your advisor will search the lender for you. Debt consolidation advice can be availed at nominal charges. You can use Internet to search for banks, financial institutions offering debt consolidation advice.

People with bad credit history can also avail debt consolidation advice, because debt consolidation loans are open for bad creditors also.


Applying for a debt consolidation advice is very easy as there are many banks, financial institutions and lending firms that offer debt consolidation advice. You can use Internet to search for banks, lending firms that offer debt consolidation advice.

With debt consolidation advice you’ll be able to manage all your debts efficiently and economically.

By: Jennifer Morva

About the Author:

Jennifer Morva has been associated with Bad Credit Personal Loans. Having completed his Masters in Finance from Lancaster University Management School, he undertook to provide useful advice through his articles that have been found very useful by the residents of the UK. To find secured loans, personal loans, bad credit loans, Bad credit personal loans visit

What’s In A Cash Flow Statement?

The money trail is famously useful for crime investigators, but it’s also a handy tool for stock market investors. When valuing stocks, investors want to know not just how the company is doing (as indicated by the balance sheet), but also how the money has been spent and generated in recent months. This is where the cash flow statement comes in.

As its name suggests, the cash flow statement details a company’s cash-related activities within a given period. In other words, it shows how the cash moves within the company, particularly compared to net income (which is a non-cash figure). It takes into account investments, loans, dividend payments, buying and selling stocks, and overhead costs. As an investor, you will want to know how much cash came in, where it went, and how much of it stays in the company at the end of a set period.

Both incoming and outgoing cash is considered in the cash flow statement. Outgoing cash is reflected as a negative number, and cash flowing in is a negative number. These numbers are taken from another financial document called the balance sheet. The data is divided into three sections: operating, investing, and finance activities.

Cash obtained from operating activities includes net income, with adjustments for factors such as depreciation, amortization, and changes in working capital. In non-US companies, the information may be presented as the revenue with expenses such as salaries, purchases, and accounts receivable taken into account. Both formats will turn up the same number, which is the net operating cash.

The investing activities section shows the company’s spendings and earnings from investments. These include the sale or purchase of securities, capital expenditures, and mergers or acquisitions. Financing activities are the ways in which the company raises more cash, for example, by taking out loans or selling public stocks. It also includes cash paid out to investors (dividends) and cash used to settle debts.

The sum of the net cash from the three sections is known as the net change in cash. Simply put, it’s the amount by which the company’s cash has increased or decreased in the reporting period. It matters to potential investors because it tells them how well the money is being handled, and therefore how the company is likely to perform in the near future. It’s not the only indicator of financial health, but it’s vital for making short-term investment decisions.

Reading a Balance Sheet

When valuing public stocks, investors typically look at four financial statements: the balance sheet, the statement of cash flows, the income statement, and footnotes. Of these, the balance sheet contains the most useful information; the other statements derive their numbers from the balance sheet. It basically lists the company’s assets (for example, cash and properties) against its liabilities (debts and losses). It also lists the shareholders’ equity, or the difference between the total assets and total liabilities.

One important difference between the balance sheet and other financial documents is that it offers snapshot information; that is, it tells you how a company is doing at one point in time, not from one point to another. That’s why it is often the first to be shown in annual reports: it helps the investor put the rest of the information into perspective.

In a balance sheet, the total of the assets is always equal to the total liabilities plus the equity. The assets tell you how much the company owns, and the liabilities (usually business credit) and equity (shareholder funds) tell you how the company came to own what it does.

The assets are usually listed first, followed by the liabilities and the equity. Current assets—those that are most liquid, or can be converted to cash within a year—are listed first. Cash itself is the most liquid asset. Further down the list are less liquid assets such as accounts receivable, which is money expected from customers, and the inventory, which are assets that must be sold (and sometimes converted into goods) before their value can be accessed. There are also long-lived assets, which usually include real estate and equipment, long-term investments, and goodwill—intangible assets with subjective value such as brand name and customer relations.

Liabilities appear in order of due date, with the most urgent ones first. Usually, these are the ones due within a year, including accounts payable and parts of larger long-term debt that are due in the given period. This can include bank loans and bonds issued.

Finally, you can see the shareholder equity, which covers four areas: retained earnings (those not used to pay dividends or buy back shares), stock at par value (the published stock price), additional capital (payments for shares exceeding the par value), and treasury stock (a negative number representing the stocks bought back by the company).

Balance sheet formats vary between industries, but most of the basic contents are the same. One thing to remember is that most of the detail is contained in the footnotes, so it’s always a good idea to read through them. It may take time, but the more experience you get, the more automatic it becomes, and you’ll be valuing stocks at a glance in no time!

Facebook’s IPO and the Stock Market

It’s been called “the most anticipated IPO in history,” with a target topping $10 billion and a market value approaching $100 billion. Facebook’s imminent initial public offering—when a company first puts up stock for sale to the public—is set to become the biggest in history, dwarfing that of search engine giant Google and online retailer Amazon.

And Mark Zuckerberg isn’t the only one to benefit from his own IPO. Many experts agree that the “coming-out” will spur a series of IPOs from smaller companies that have prospered in Facebook’s wake, from game and app developers to marketing and social media firms.  Already, 109 companies are set to go public in 2012, many of which have delayed a 2011 IPO because of an uncertain market. As many as 300 more can file with regulators before year-end, according to the Global Corporate Client Group at Nasdaq.

Several companies have already made it big by riding the Facebook wave. Zynga, a game developer, gained huge popularity with the online game Farmville and has since come up with a handful of equally successful games.  Marketing companies have drawn in hordes of new clients by offering Facebook- and social media-centered strategies. Apps for photo sharing, bookmarking, and other services have also taken off.

The U.S. business climate itself is expected to benefit from the Facebook IPO. The surge in companies going public is a welcome change in the downward trend that has slowed the country in the past few years as a result of the financial crisis. From 2010 to 2011, listings on Nasdaq fell from 195 to 151 as investors lost confidence in the U.S. markets’ capacity to stay ahead of its debts. The rise in small but prosperous tech companies, many of them situated in California’s Silicon Valley, may bring back the investors who had earlier sought to put their money elsewhere.

That being said, the outlook for the U.S. stock market isn’t completely positive: some experts fear a tech bubble similar to the one that burst in 2000. Investors might become overly confident and support companies that simply do not have staying power. While some are fairly safe bets, many companies have a more radical premise that could go both ways. Of course, some welcome surprises have sprung up in the games and apps market, but social media has made for a much less predictable public. Most experts agree that while the market holds promise, investors should still proceed with caution as the IPOs start coming.

Investing in Precious Metals

Gold has long been an investors’ safety net. With all currencies pegged against its value, gold is virtually impervious to market fluctuations and historically has only gained in value over time. But investors seldom consider that it’s part of a larger market—that of precious metals—that is also worth looking into if you’re looking to expand your resources.

There are two ways to invest in precious metals: through financial instruments like mutual funds and certificates, or physical metals such as gold bars and coins. The differences lie in several aspects including liquidity, trading methods, and risks and rewards.

Physical metals generally have a higher perceived value than financial instruments, especially in tough times. This is because when economies tank, investors lose confidence in paper money, and their values fluctuate and often end up lower than before the crisis. When this happens, people fall back to gold and other precious metals, which aren’t subject to the same ups and downs. This security makes them more valuable in the bigger picture.

One of the issues with physical precious metals is storage. Most banks offer storage facilities specifically for such investments, but this leaves the owner vulnerable to bank failures: what happens to the precious metals they have in storage? Will the bank’s creditors, insurers, or account holders have a claim over it? Policies vary by state government and institution, so it’s important to do your research beforehand.

If this is a concern, mutual funds and other instruments may be a better choice. Here, instead of buying precious metals directly, you invest in companies that mine for them or explore potential resources. This is a market that has consistently been profitable, so there is some security compared to other industries. Of course, there is still some risk in tying your money to another company’s success. Other factors that come into play include movements in the labour market and within the organization (e.g. change of management), and even political and economic issues if you invest in international explorations.

Needless to say, it’s important to get informed before putting any money into the precious metals market. Joining a community of dealers such as Lloyds Commodities can help you find reliable market information, and even get you in touch with more experienced dealers who can help you learn the ropes. The market isn’t without its risks, but with good planning and guidance, you can protect yourself and maximize your returns.

Penny Stock Scams: Protecting Yourself

Penny stocks—stocks that trade for $1 or less, according to most definitions—are a popular way for beginners to get their feet wet in stock trading. Their appeal lies in the fact that they’re cheap, and therefore low-risk. But the low price only shields against the obvious risks, and what few people see is that poor regulation and sheer popularity has made the penny stock market a favourite target for scammers. In other words, it’s more risky than its traders tend to think.

A common type of penny stock fraud is called Pump and Dump, in which a group of speculators buys certain penny stocks in bulk and then spreads positive, often false news about the company, causing its value to go up. They then sell to unsuspecting investors, who snap it up for the high price before the scam is revealed.

Other scammers work the other way, in a system people have dubbed Poop and Scoop. Here, the speculators release negative news about a certain company, causing its stock prices to go down. They then buy up the stocks at the new price, then wait for the news to be discredited and for values to go up consequently. Others will short-sell the stocks before the false news is spread, and then make large profits by covering their positions at a higher price.

Penny stock fraud doesn’t always rely on false news. Brokers and industry insiders can also take advantage of knowing what’s going to happen before it becomes public. In this case, they take sizeable positions of the stock before the news breaks out. This is called front running, or “insider trading” if the perpetrators are insiders.

Insiders can also try to generate third-party interest in a stagnant or nonperforming stock in a technique called Circular Trading. They create multiple accounts, usually based overseas, and trade shares between accounts to make it seem like the stock is being actively traded. They can also do cross-trades with brokers, wherein they trade large amounts of stock outside the exchange records. Once this gets the market talking, they sell at a profit.

Unsurprisingly, much of these scams take place on the Internet. Forums and chat boards are a particularly large target, as they attract the most untrained and gullible investors. The Securities and Exchange Commission and other regulatory bodies now monitor the most popular resources for fraud. Of course, this is just the first line of defense—and investors themselves, experienced or not, are still responsible for trading knowledgeably and keeping protected.

Buffett Offers Tips for Investors

For someone who’s long been one of the world’s richest men, Warren Buffett continues to be an inspiration to both the wealthy and the struggling. He has always credited his practical approach to things—from business to investing to government—with his long-standing success as an investor. Here are five lessons from Buffett that can help put your decisions on the right track.

Go against market fears: The financial crisis has created a “climate of fear” among investors, and this has kept many people timid in their decisions. According to Buffett, there’s value to be found everywhere—it’s just that people tend to listen to commentators and market players who overplay the negatives. Learn to see situations as they are instead of letting collective fears guide you.

Stick to what you know: One way to help you follow the rule above is to invest in markets you really understand, or are interested enough in to try to understand. A “perfect opportunity” may be hard to pass up, but if you know nothing about the industry, Buffett recommends steering clear. The risks of making wrong decisions down the road often outweigh the benefits today.

Keep a buffer: The market’s uncertainty is one reason people rush after trendy investments or shy away from good ones. Get over your own financial insecurities by building a cushion, something that will remind you that losing isn’t always so bad. Buffett recommends putting enough money aside to tide you over for six months in case the worst happens. Having this sort of security will keep your mind clear when it’s time to make key decisions that can make or break an investment.

Think long-term: Buffett always tells people to focus on what really counts in investing. According to him, it’s all about how much you pay for a stock today and how much it earns in ten or twenty years. The best value is always gained in the long term. Although there is something to be said about short-term gains, a good investor will always reinvest them—and it all still translates into the long term.

In a way, this brings together all the bits of advice we’ve counted: see the market clearly and stick to what you know, so you have a good idea of what happens in the next two decades. And with your six-month buffer, you won’t be afraid of the dips that are almost sure to happen within that period.

Foreign Currency Trading: A Copout from the Dollar?

It’s no secret, at least in investment circles, that the immediate future of the U.S. dollar isn’t as set-in-stone as it used to be. As of last year, the Federal Reserve was printing new money in a frantic response to the recession, which means inflation and a subsequent devaluation of the currency. The USD is lower than it has been compared to most major currencies in the last three years.

The good news is that dollar investors aren’t necessarily tied to the dollar. These days, it’s easier than ever to invest in foreign currencies and cut your investment ties with unstable ones. Exchange-traded funds (ETFs) are one way of doing this; another is buying certificates of deposit (CDs) in foreign currencies, which most banks now let you do. All this can be done electronically, so it’s even more convenient.

Currencies may have been rare commodities twenty years ago, but today, all it takes is logging in to your brokerage account and buying currency, the same way you would buy a stock. And because it’s a 24-hour market, you can do it any time, as opposed to stocks where you have to respond to new developments in a snap. It’s a fairly easy way to diversify your investments, which has long been proven to protect you from unexpected market events.

That being said, it’s not always a good idea to put all your eggs in the currency basket. In fact, since it’s one of the most volatile markets, experts suggest limiting currencies to about five percent of your total investments. Even in tough times, the USD has the advantage of being the world’s reserve currency, and top investors still see it as a safe bet.

The safest way to invest in currencies is similar to the general rule in investing: diversify. It’s usually best to buy a bunch of promising currencies instead of just one or two, as this keeps you from being vulnerable to the politics of a region. Companies such as PowerShares DB US Dollar Index Bearish and the CurrencyShares Euro Trust offer currency baskets that include high-performing ones such as the Japanese yen and the euro.

If you’re still not sure about currency investment, note that there’s already some built-in protection in the system. Multinational U.S. companies routinely hedge against the risk by making much of their money abroad. Investing within Standard & Poor’s top 500 is therefore already playing it safe—with a strong promise of returns.

SGX Stock Prices

Investors are increasingly starting to look outside the American stock exchange for a stable place to put their money. In the wake of the 2008 economic collapse, and the difficult recovery that followed, small emerging holding companies such as the Singapore Exchange (SGX) have risen to the fore, attracting people who no longer considered American business a safe haven. As a result, SGX stock prices continue their upward trend without watering down investors’ interest.

On a small scale, SGX isn’t immune to ups and downs, peaking and falling like any other firm. But the larger picture, which matters more to investors looking for long-term returns, shows consistent growth over the decades. As an example, the company’s net profit by the end of 2010 was $165.8 million, a 7% rise from a year earlier. The quarter before that, its net profit rose 3% to $77 million, and operating revenue went up 6% to $324 million. And although the weekly close rates are slightly down, figures show that that it has been consistently at SGD$7 (USD$5.80) per share or more (adjusted for dividends and splits) since it last peaked in October 2010.

The company’s revenues come from the securities and derivatives market, which account for 75% and 25% of its income respectively. it operates several divisions, each handling a specific market. These include SGX ETS, which handles global trading access and accommodates traders outside Singapore, and SGX DT and SGX ST, which provide derivatives and securities trading.

SGX has close to 800 listed companies, more than half of which are domestic. Chinese listings make up about a fifth of the total, and foreign companies, exclusion Chinese ones, account for a slightly smaller share. Its market capitalization is valued at more than SGD$650 billion (USD$540 billion). Its major shareholders include SEL Holdings, with a 23.45% share, Citibank Nominees Singapore with 15.81%, DBS Nominees with 7.85%, DBSN Services with 5.99%, and HSBC Singapore Nominees with 5.06%.

Although most investments come from the Asia-Pacific region, investment has picked up from other areas, notably in developed Europe and North America. Its recently expanded trading hours have certainly helped attract and keep transcontinental interest. SGX trades from 9am to 5pm with a break from 12:30pm to 2pm, but the nonstop trading scheme implemented in August 2011 will allow people to trade during this “lunch break.” It will also come in handy for those trading in other time zones, and allow investors to quickly respond to news flows.

Gold Rate in Bangalore

As trust in currencies continues to fall and investors opt for stability, gold rates are reaching record highs worldwide. This is especially true in large, established gold markets in the Middle East, Asia, and Africa. One market that’s particularly noteworthy is Bangalore, where gold remains an important commodity alongside the foreign services sector.

Gold rates in Bangalore have risen fairly steadily in the past few months. Even so, gold buyers—locals and foreigners alike—have lost little enthusiasm, trading the precious metal on various platforms to the tune of millions or tens of millions every day. One easy indicator is the jewelry market: the city’s shops have never been so busy, even outside of tourist season. In some of the better-known stores, jewelry pieces can be ordered months in advance.

It’s good news for those investing in gold reserves. It’s a much larger investment, but at the rate things are going, it’s also much more stable. In the last month alone, gold rates went from about Rp2,400 to Rp2,700 ($55 to $62) per gram for 24K gold. The trend looks set to continue as major currencies like the euro and the U.S. dollar remain at a standstill. At the moment, a fast-growing economy like India is more attractive to investors, at least in

terms of long-term stability.

Online gold trading is the easiest way to invest in Bangalore gold. It allows you to get your foot in the market without physical backing, and get excellent protection against inflation. What you usually buy are futures contracts, which basically promise to deliver a set amount of gold (or other precious metal) at a given time for a given price. A typical futures contract controls one brick of gold weighing one troy ounce, or a little over 31 grams.

If you’re visiting Bangalore, you may also want to look into gold coins. These are sold in the trading district, often alongside other precious metals and jewelry. Locally they are considered ornamental as well as financial assets, so there’s excellent resale potential even a few years down the road. Of course, this also means you’ll have to shop around for the best deals, and enter the market with a good idea of the Bangalore gold rate.

Other Indian cities also have strong gold markets. Mumbai, Delhi, Chennai, Kolkata, and Hyderabad are excellent alternatives, and should be taken into account when looking to make your first investment in the country. As with any other financial move, the best way to take advantage of the gold rate in Bangalore is to be informed and make sure you’re getting your money’s worth.

Mutual Fund NAV

Mutual funds have redefined investing over the last 20 years. In fact, to many of us, investing simply means putting money in mutual funds and little else. A mutual fund consists of a group of investors pooling their money and buying stocks, bonds, and other commodities, with a fund manager being paid to manage the investments.

One of the key indicators of a mutual fund is its net asset value (NAV), which is used to determine the price of its shares. Investors can buy shares from the fund company and sell them to another. The buying price is called the “bid price” and the selling level is the “redemption price.” A mutual fund NAV can be obtained by taking the total value of a fund’s cash and securities and subtracting the value of its liabilities. The share price is obtained by dividing the NAV by the number of outstanding shares. This number is calculated at the end of every trading day, when the closing prices of the fund’s securities roll in.

Here’s a pretty simple example. If at the end of the day, a mutual fund ends up with $20 million in assets and $5 million more info

in liabilities, its NAV would be $15 million. From here we can obtain the share price: assuming the fund has one million outstanding shares, we divide the NAV of $15 million by one million, which gives us price-per-share of $15.

The use of a mutual fund NAV differentiates it from company stock listed on stock exchanges. Companies on the stock market have a limited number of shares, determined when it first goes public, and may offer more in a secondary market. In this case supply and demand largely determine the price of the stock, making it sensitive to market changes. Mutual funds are less vulnerable. However, since it’s more diversified, they stand to gain less when one of its stocks skyrockets. A mutual fund manager is expected to balance risk and potential gain and maximize the latter.

It must be noted that the mutual fund NAV is most commonly used as an indicator of price. It helps investors decide whether or not to buy shares from it. It says little about the fund’s performance, as the number of shareholders is also factored in. A much better indicator is the mutual fund’s total returns, which is the amount it has gained through various investments minus any liabilities.