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7 Types of Credit Cards
Published on 2012-11-01 05:14:56
We use the credit card for just about any type of purchase that comes to mind. The credit instrument that is packaged in a wallet sized, plastic laminate has facilitated billions of sales and purchase transactions in both online and brick and mortar
Life Insurance: Coverage, Risk Protection and Cash Values
Published on 2012-09-25 21:08:00
Life insurance ownership in the United States has been on the decline in the last 50 years. Statistics reveal that more than 46 million Americans are not insured while only about one third of US households have subscribed to a life insurance policy. It should also be pointed out that a large percentage of these
Dividend Investing – Why invest in dividend stocks?
Published on 2012-08-14 02:17:52
It was Thomas Rowe Price who mastered the school of thought behind growth investing. In fact, he is known as the father of growth stock investing. Now it’s highly unlikely for traders and investors not to know a great deal about one of the most celebrated investors of our time, Warren Buffett. His investment adage,
Value Stock Investing – Why a stock is trading on the cheap?
Published on 2012-07-18 23:25:31
Buy low, Sell high! This happens to be the school of thought behind Value Stock Investing. Unlike growth stock investing that upholds the acquisition of rapidly growing stocks with potential for increasing revenue growth, this stock market trading paradigm entails the purchase of individual stocks that have been recently undervalued by the market and therefore
Life Insurance – Coverage, Basic Concepts and Principles
Published on 2012-07-05 23:33:42
Planning for retirement? Life insurance is one of the classic investment products that have seen the test of time. The purchase of a life insurance policy is well suited to risk adverse individuals since it not only guarantees a death benefit but also a predetermined cash value upon maturity and following the payment of premiums
Growth Stock Investing – The Anatomy of Growth Stocks
Published on 2012-06-18 02:50:53
In our previous post on stock market trading, we discussed about the classification of stocks based on market capitalization. Size however does not guarantee the performance of equity as stock prices fluctuate based on a number of fundamentals. Consequently, the company’s fundamentals, along with market expectation is what drives the movement of share prices. Take
Getting Started in Stock Market Trading: Market Capitalization
Published on 2012-05-30 05:11:52
Stock market trading indeed offers attractive returns. But prospective investors ought to take a prudent and learned approach in the selection of stocks that would make up their portfolio. Major stock exchanges NYSE and NASDAQ each delivers the trading of over 3,000 companies listed in its portfolio. The gargantuan task of selecting which stocks to
How the stock market works
Published on 2012-05-22 00:21:54
The stock market is a capital market where shares of stocks of listed companies are issued and traded. Operated by organized stock exchanges, the equity market can be compared to farmer markets where the trade of commodities take place between buyers and sellers. As a source of capital for listed corporations, the stock market has
Asset Allocation Model – How to invest retirement money safely?
Published on 2012-05-14 07:56:43
The unplanned or misguided liquidation and distribution of retirement assets can be a recipe for disaster. Every retiree should know that retirement money generated from savings, social security, 401k plans and investments should be distributed at an appropriate time to merit tax advantages and preserve as much of the principal to last throughout his expected
Retirement Investment Advice: Managing Your Post Retirement Assets and Cash Flow
Published on 2012-05-07 04:31:43
Retirement planning culminates at the retirement age of 65. By this time around, your financial goals may have been substantially met. But this is easier said than done and retirees need every bit of retirement investment advice they can get. In an ideal setting, the subsistence needs of retirees will be sustained by proceeds from
Derivative Instruments – 4 Common Types
Published on 2012-04-30 21:17:02
Much like in a toss coin, there are two outcomes to commercial and financial transactions. Heads you win, tails I lose! Realizing either a profit or loss is inevitable as market risks are pertinent in the trade of commodities (commodity risk) and investment products in the money market (interest rate risk), Forex (currency risk) market,
Trading for Beginners – 4 Major Forex Currency Pairs
Published on 2012-04-26 05:34:55
Beginners to foreign exchange trading will encounter a lineup of currency pairs. There are 3 types of Forex currency pairs: Major pairs, Minors or Cross Currency pairs and the Exotic pairs. This could make the selection of a startup trade a bit confusing, not to mention the need to learn the fundamentals behind the currencies
Forex for Beginners – Setting Up Your Trade
Published on 2012-04-18 22:26:44
Forex for beginners can be quite confusing without a basic understanding of Interbank market operations. The concepts of pricing, spread, positioning and the very act of trading itself run from the top tier Interbank market down to the speculative level. In this regard, the post will begin with a macroscopic overview of foreign currency trading,
Retirement Planning – How to Allocate Monthly Income for Expenses, Emergencies and Retirement?
Published on 2012-04-17 02:48:57
Managing your personal finances efficiently during the productive years of your life will be your best bet to having more than enough funds upon retirement. Now if you are really money smart, then you might just find yourself retiring with a few million dollars in your bank account and before the retirement age at that.
Trading in the Foreign Exchange Market
Published on 2012-04-13 04:50:58
Don’t put all your eggs in one basket. This is the basic principle of investment diversification. So why not diversify your equity and fixed income portfolio today by trading in the foreign exchange market? The Forex market is a fast moving market where multi-million dollar interbank transactions can be channeled through the system in a
Learn Forex Trading: The Components of the Foreign Exchange Market
Published on 2012-04-09 00:05:17
In the discussion of financial markets, the equity and fixed income markets easily come to mind. But then there is a heavily traded market that does not usually get the hype from speculators and retail investors as stocks and bonds do. Said market is called the foreign exchange market or the FOREX market. Initially set up
Types of Mutual Funds – Top 4 Categories
Published on 2012-04-03 00:37:18
There are around 600 investment companies distributing mutual fund products in the United States. Consequently, each company offers a wide array of mutual fund plans that integrate various mixes of money market and capital market instruments to suit particular investment objectives and risk appetites. This hiked the number of mutual fund investments traded to a stagerring
Investing in Mutual Funds – The Basics
Published on 2012-04-02 05:05:21
The mutual fund industry represents over $11 trillion in assets that are invested in around 10,000 mutual funds. This makes the United States the largest mutual fund market in the world. Today, over 90 million Americans are investing in mutual funds with households comprising the largest category of investors, followed by businesses and institutional investors. But what
Top Questions to Ask Yourself Before Investing in 401K Retirement Plans
Published on 2012-03-29 04:08:07
401k plans, just like any defined distribution plan, are investments. But unlike the money invested in brokerage accounts that are more often financed by personal disposable incomes, 401K accounts are funded by fixed amount contributions deducted from the employee’s monthly paycheck. Technically called tax deferred savings plans with an investment component, 401K retirement plans have
Reverse Mortgages
Published on 2012-03-29 02:13:23
It is great to find out that we do not have to live below our means after retirement even when we discover we did not save enough to take us through our retirement years. A Reverse mortgage may be the answer to all of our worries. With this financial product, we just have to sit
Bad Debt Consolidation – How it eases out the credit card debt burden?
Published on 2012-03-21 13:59:36
Not everyone is blessed with deep purses and a healthy set of finances. The truth is that most of us live from payday to payday. And the credit card has been a very useful financial instrument in bridging our needs for additional funds in between payroll periods. But then it is also very easy to get
401K Retirement Plans: The Advantages of Investing Early
Published on 2012-03-21 05:28:55
Retirement is inevitable and making sure that you have a steady stream of replacement income available when you retire ought to be a high priority financial goal. The earlier you prepare for it, the more funds will be at your disposal at the age you choose for retirement. However, retirement planning and the prospect of investing
Top 7 Credit Card Tips
Published on 2012-03-15 07:55:04
Credit cards, debit cards, cash cards and other related financial instruments have become the modal payment system for merchant transactions occurring in the modern world. One can only imagine the volume of transactions handled by point of sale (POS) and credit card terminals each day, with every swipe of these plastic cards into its slots.