Online Stock Market Trading Continues to Rise in Popularity

Online Stock Market Trading Continues to Rise in Popularity

Even though the stock market has seen healthier days, online stock market trading continues to rise in popularity. A number of reasons account for this. The technology is widespread, and people from all corners of the nation are able to become day traders and invest in the stock market. Everyone who has a computer connection will find that they can get connected with a brokerage site and begin trading. This gives people opportunities that they did not have before. For many people, the closest they came to taking part in the stocks market was through their 401Ks, and now they have many other options.

Another reason that the popularity of online stock market trading grows is that smart investors see opportunities. They can find stocks at good prices and then wait until those stocks start climbing again. They are buying low, just as every good investor is told to do, and then they are just waiting until they can sell when the stock is high. This make good business sense for the investors and this is something that other traders will be able to do as well.

How does one start online stock market trading? Well, the first thing that you are going to want to do is learn all of the intricacies and rules of stock markets. Learn the language and learn how things are done. Learn how to spot trends and learn the best time to buy and sell. Learn how to cut your losses, and learn how to let it ride. The best way that you will be able to learn these things (and many more) is by taking a course. The money that you invest in one of these courses is going to be well worth it. It is better to spend on a course and learn than it is to buy a bad stock and make a mistake that will probably be even more costly.

With a quick search of the Internet, you will find many seminars and classes that will teach you online stock market trading. The key is to find the course that gives you the most bang for your buck. Some of the popular courses out there can show you the ropes in little time. Home study courses are of great benefit to many people because they don’t have to change their work schedules or family schedules to make sure they can meet for a class – they are able to work on the course when they have the time. This is perfect for someone who still has a full-time job and is only interested in trading part time.

Online stock market trading is more than a fad – it is here to stay as long as the markets exist. If you are interested in making money and playing the stock market, then it is a good time to start investing. Learn the ropes, take the courses, know the basics, and you will be able to make extra money in the stocks … READ MORE

Don’t Ignore the Similarities with the Last Two April!

Nearly a year ago in this column I showed a scary similarity in April (2011) with the conditions in the previous April (2010). And of course the similarity continues into a market correction of nearly 20% before the market rises again.

Don't Ignore the Similarities with the Last Two April!

And here we again this year see a scary resemblance when March is almost over, this time for the last two April.

I heard many guarantees that this time was different. This will oppose the opportunity for the market to follow the same pattern for three years in a row. In addition it is an election year, and the Fed has already made a vote about coming to the rescue if needed.

Using that logic will also oppose the chance that the surrounding conditions will follow the same pattern for three years in a row. But that is what is happening.

Like the last two years, the S&P 500 has had an impressive rally for overbought conditions that are potentially above the 200-day long term m.a., and technical indicators, while still using buy signals, are in their overbought zone.

Meanwhile, investor sentiment, usually very bullish at the top of the market and very bearish at the bottom of the market, has reached a high bullish level, low fear level, similar to what was seen near the market peaks in April 2010 and 2011.

That can be seen in the VIX Index, also known as the Fear Index. Usually at a high level of fear at the lowest position of correction and a good buying opportunity, and at a low level of fear (a level of bullishness and high self-satisfaction) at rallies and market tops.

Then there’s the U.S. economy In each of the past two years, economic recovery has shown surprising strength during the autumn and winter months, and then as we approach April, economic reports begin to show that the recovery is a stumbling block.

This year has been an identical repeat so far, with surprisingly strong economic reports over the winter, but a series of negative surprises in recent weeks, including unexpected reversals in home sales and home prices, in the Fed’s business and manufacturing index, and in consumer confidence. On Wednesday it was reported that the Chicago Fed National Activity Index, designed to measure national economic activity, fell into negative territory last month for the first time in three months.

In each of the past two years, dark clouds have also drifted from Asia in the form of fears that China would slow down its economy too much in an effort to prevent a rise in inflation, and from Europe in the form of fears that the eurozone debt crisis would explode and plunge the European economy into recession.

And here we are this spring, with major Asian markets in sharp decline on indications that China has indeed slowed down its economy to what would be a difficult landing, and evidence that 17 eurozone countries are already in recession.

Also in each of the last two … READ MORE

Improving F & I As a Profit Centre

The motor finance landscape is changing; fewer independent finance companies are a part of this change. The long term survival of these companies is vital to the dealer market. Dealers need to work in partnership with the finance companies to ensure mutual profitability and to positively change perceptions of dealer finance.

For many former finance companies the return on investment from motor finance had become unsustainable. Competition between the players meant that retailers were able to negotiate aggressively, pushing finance company margins ever lower; the balance of power has now shifted and in reality this is a good thing for the long term future of dealer finance.

Improving F & I As a Profit Centre

Retailers need finance companies to be profitable and encouragingly Carlyle Finance which is reporting record profit levels has now committed itself to achieving significant profitable growth – with plans to more than double it’s lending in the UK motor sector.

But there is unlikely to be any return to the Income per finance case retailers achieved 3 – 4 years ago. Market and regulatory pressures are part of this change, but so is the reality that today’s consumer is better informed in terms of their options and rates when looking to purchase a car on finance. The internet has been a key part of the consumer education process and it is vital that dealers engage in communicating the value of dealer finance through the web in a far more engaging fashion than has been delivered to date.

When it comes to finance, dealers have to ensure that finance information (quality, detailed information) is positioned ‘front and centre’ so that the consumer can learn for themselves the full picture about why dealer finance makes so much sense.

“Retailers can make money from F & I, but things have to change” Mark Standish “To ensure the dealer is seen as the natural place for buying a car on finance we have to ensure finance is available where and when the consumer wants it with clear unambiguous explanatory information, so that they can make a conscious buying decision – and this means getting finance on-line in a far more transparent and obvious fashion than we see currently. Naturally it must be seen as good value, so competitive pricing is a given”.

Mark notes; “Whilst income per finance case may fall, there is no reason why income per unit overall should not be sustained or even enhanced. The mantra must be to earn a little from a lot, increasing overall finance penetration securing dealer finance as a natural good value choice in the minds of the consumer”.… READ MORE

How to Obtain US Real Estate Financing For Foreigners

Recently, there has been a fall in real estate financing in the USA. Due to the economic turmoil and banks tightening their requirements, it has become harder to foreigners to obtain a loan.

In fact, while cash deals have always been the most common way for non residents to purchase US real estate, it increased even more this past year due to the credit crunch in the market. Fortunately, lenders are slowly beginning to relax their requirements in tandem with the slow recovery of the economy.

How to Obtain US Real Estate Financing For Foreigners

If you are considering getting a loan for US real estate, here’s what the current process involves.

Amount Financed

Unlike loans offered to US residents, foreign investors are usually only allowed to finance 70%, or less, of a homes value. In addition to a sizeable down payment, interest rates and fees are also generally a little higher.

Property Usage

You’ll get better terms (more competitive rates and lower down payment) if your purchase is to be used as a second home rather than a rental property.

Property Ownership

Typically, banks are more receptive to lending to foreign individuals than to foreign corporations.

Credit Worthiness

Banks rely heavily on your credit history for US Real Estate Financing. Since many investors won’t have any history with US companies, it’s good to have at least 3 creditors from your own country that can provide proof of timely payments. Letters from institutions attesting to your credit worthiness may also be acceptable.

Asset Verification

This may not be required to obtain a loan but it can help you get better rates or less of a down payment. The best asset verification comes from international banking institutions who can verify the amount you have on deposit and the amount of time your account has been active.

Property Chosen

You may have exemplary credit and still get turned down for a loan. This is because the banks look closely at the type of property you’re investing in as well. For example, there are many banks that would not consider lending money on property that is already heavily controlled and owned on investors. They think that this will only increase the chances of a default and as a result, they are not willing to take the chance. Similarly, many banks won’t lend on property that is not yet built, as there is the risk that the project will never sell enough units to reach completion.

For foreign investors, the reason why the US real estate market is appealing is because it represents a low-risk and high-profit option. Even if you don’t have any cash on you, US real estate financing still represents a great alternative to gain access to this valuable market.… READ MORE

Strategies to Attract Venture Capital Investors to Your Ideas

The business world is a magical place that holds many different techniques to gaining what is needed. One thing that all businesses need when first starting out is venture capital. This can come from many sources, but knowing where to find it and how to get it is a huge part of the task.

Getting capital investors involves having a few key documents in place. One is a mission statement. This can define what the goals of the company are for. The other is the business plan. By telling investors what will be achieved and how it will be achieved is one of the only ways to influence their decision.

Where can one find investors though? They can be found in a vast amount of places. Between family and friends, banks, and other business owners, there are more than enough opportunities to take hold of. There are a few key things to each type of investor that can help anyone know how to find them, persuade them, and what is most commonly asked for.

Family and friends will often be the easiest investors to deal with and find. By looking around one’s surroundings it is possible to find many different investors. Family is always a good starter point since they are normally very supportive. They may not ask for much in reality. All that is normally asked by them is to get the money back, or receive a small profit in return. Friends are near the same as family with expectations of an investment.

Banks on the other hand require some shopping around. If choosing to go through a bank to receive venture capital there are a few things that will be needed. The mission statement and business plan will be necessary. Financial records though may be asked for by the lenders. If this occurs, it is highly important that all personal business records be kept clearly and that a statement stating what the return investment will be is drawn up.

If choosing other business owners to have as investors, the business plan and mission statement will be necessary. With business owners though, a trade can be made to benefit both companies in the business world. Trades could include anything from monetary to material goods. These can possibly be some of the best options since business owners understand what it really means to start business.

There are many more resources available for this kind of funding through loans and the Small Business Association or otherwise known as the SBA. The choices of investors are numerous, but the research needs to be done before choosing to go with the first investor that comes along. There are more than enough people willing to invest in a business and these people will essentially become business partners. They will hold a stake of claim in the business, so it is best to choose wisely.… READ MORE