A Guide to Stockbroking Platforms

If you have been considering a foray into the world of online trading, you are certainly not alone. Every day, countless individuals choose this option over the more traditional (and arguably outdated) forms of investing. We can think of these platforms as the virtual “vehicles” for financial independence and success over time. Much like any type of vehicle, it is important to appreciate the mechanics and accessories that each platform offers in order to properly align yourself towards success. What metrics define an efficient trading system and which qualities should always be analysed before committing to any type of service?

The Tools at Your Disposal

Would you ever attempt to build a house with a hammer and a few nails alone? Much in the same respect, you need to be provided with the latest financial instruments to build a strong stockbroking foundation. Some of the most effective stockbroking platform tools will include:

  • Numerous charting indicators (logarithmic, candlestick and dot).
  • The ability to access the price history of a specific asset.
  • Thorough technical analyses.
  • Flexible chart intervals.

There are two main benefits of being provided with this wealth of options. First, the stockbroker will be able to address the needs of his or her unique strategy. Secondly, keeping abreast of all of the latest market movements is paramount for financial gains.

Intuitive Trading Platforms

Another hallmark of an effective trading platform is one which is defined by clarity and ease of navigation. After all, what good are all of the latest figures if a trade takes a relatively long time to execute? The inherent streamlined nature of systems such as those offered through CMC Markets are able to take the guesswork out of stockbroking and in turn, the client will enjoy a greater sense of flexibility at any given time.

Mobile Solutions

A growing number of stockbrokers are now trading remotely thanks to 3G and 4G connectivity. It therefore stands to reason that modern systems need to incorporate mobile-friendly platforms directly into their software. Thus, executing trades can take place even while away from the home or the office. This is also ideal for those who may have only a limited amount of time to invest during each day.

News, Insight and Market Analyses

One of the drawbacks associated with many low-grade platforms is the fact that they do not possess the architecture to support streaming news feeds and live chart analyses. This can be detrimental to the health of any portfolio, for it may be nearly impossible to capitalise on any sudden movements or react to late-breaking economic data. Access to ongoing news sources is another indicator of a worthwhile stockbroking platform.

Please note that these amenities are best when used in synergy with one another. Whether you have only begun your journey into this world or you are a seasoned investor, the ability to access efficient trading software is crucial. So, it is always wise to examine any system very carefully before making a final decision. Your financial future could very well depend on it!

How to Make your Mortgage Money Work For You

If you own a home you already know the benefit of getting a yearly credit against the interest. But, if you’ve owned it for more than 12 to 15 years your deductible interest is no longer offsetting your taxes. There are many ways to make having a mortgage work for you. To discover all the options available, contact a company like Flagship Financial Group to assist with the process.

Most people focus on paying their monthly mortgage payment without giving a thought to how much equity they have in their home. Many even try to add a little extra to pay the debt off earlier than their loan term. While it’s good to keep your debt-to-income ratio in check, it’s also smart to use your investment to your advantage. Think of your home as a savings account. You build equity and borrow against it to pay for things without taking on more debt. It’s a win across the board. You can use the money to renovate, pay for school tuition or to pay off debt. By refinancing, you’ll get a low-interest rate versus a credit card. Plus, you won’t take money out of your savings and you’ll get to deduct the interest on your taxes.

There are many other reasons why refinancing to fund your investment is a good idea. If you’ve always wanted to invest in real estate but never had enough to cover the down payment requirements refinancing your home might be your best option. You can use the equity to reinvest and earn extra income. Since it’s an investment property, lenders will take into consideration the yearly rental income you will make on the property and add that amount to your net income.

If you currently have a fixed rate mortgage and you are looking to lower your monthly costs, you can refinance using an ARM (adjustable rate mortgage). This type of loan gives you a lower monthly premium for the first few years. It can help anyone who is at the top end of their budget reduce costs and get back on track. When the rates change and your payment increases you can always refinance again.

If you are an active or retired member of the military, refinancing using a VA loan can give you a lower monthly payment without the need for a down payment. Since the loan carries a guarantee for payment from the U.S. Government the approval rate is much higher. You don’t need a high credit score and the closing costs are minimal compared to a conventional mortgage. Also, unlike all other loans, there is no P.M.I. insurance added, saving you thousands over the term of the loan. Use social media resources, like the Flagship Financial Facebook page, to review your options.

Owning a home can also help you save for retirement. If you suffer a hardship and need extra cash, instead of reaching out for your pension or 401K, use the equity in your home. You should never borrow against your retirement accounts. The first reason is obvious; it’s for your retirement. Secondly, when you do, the penalties are stiff. You’ll pay 20-30 percent off the top before you get the money. And then when you report it on your taxes you can expect to pay at least another 10 percent. By the time you’re done you’ve spent almost half the money on absolutely nothing.

Whether you are looking to lower your monthly payments, invest in property, renovate or pay off debt, using your home can have lasting benefits. It allows you to have a lower interest rate versus using credit cards or personal loans.


Recommending You Effective Forex Trading Strategies

In order to make good money in the market of currencies, a beginner should learn how to analyze the market and create Forex trading strategies on the basis of analysis he does. Certain rules of the market have to be followed by the market participants when trading in Forex. Among these rules is using a trading strategy which can turn an ordinary trading into a profitable trading activity.

Forex Trading Strategies Traders Use

The traders can use or develop the Forex trading strategies which are most suitable for them. Some of the traders use only the technical analysis method while others prefer fundamental analysis. While there are others which use both fundamental as well technical analysis for putting trades in the market. There is a big range of tools helpful to the traders for the analysis of the market and read the fluctuations. The beginner traders need to examine and test all the tools to become skilful in the market.

Support and Resistance levels

Traders use support and resistance levels strategy to determine when to enter and exit in a particular trade. Support is the lowest price level after which a price is likely to start moving upwards. The resistance level is the highest price level at which the Forex traders prefer to close the positions in order to cover the risk of a significant decline. The trends are tested and confirmed at the support and resistance levels. These support and resistance levels can be determined by analysis of Forex charts or previous support and resistance level determined for a period time for analysis.

Moving average Forex trading strategy

We can also recommend a moving average trading strategy. The moving average is used to determine a price over a certain period of time. The short term price fluctuations are eliminated and this strategy allows the trader to view the overall market situation. It is also used to indicate the future price movements whether up or down. If the price is above the moving average the market is bullish and the time has come to buy an asset. If the price is below the moving average the market is bearish and it is the time to sell the assets.

While using Forex trading strategies the traders should clearly understand that using a trading strategy needs discipline and the emotions should not be allowed to interfere. A strategy should be back-tested before using it with your account and a good amount of patience is required to see the strategy showing the results. It is of no meaning to keep on switching Forex trading strategies without giving proper time to any of them.

How the current low price of oil can positively effect a family’s finances and savings?

How the current low price of oil can positively effect a family’s finances and savings?

With the price of oil so low, the major companies have cut back dramatically on drilling for new fields; there is quite sufficient oil from existing fields to more than cover demand. That has clearly impacted on rig workers who have historically earned good money without having any long term job security. Their families may find that there is less money to spend in the coming weeks. However the question is what impact the price has made on other areas, including general consumers. Businesses that can transport goods more cheaply than just a few months’ ago obviously benefit enormously but does it make any real difference to the ordinary person?

For those heating their homes with winter approaching it will be nice to actually see utility prices fall, albeit unlikely by the amount the major suppliers are saving. Oil has not been so cheap since 2009, both Brent Crude and US Crude standing at below $50 a barrel.

The cost of fuel at the pumps should fall but the retail cost of fuel is made up of the barrelage costs but some elements that are not affected; company overheads and of course government taxation. In reality any saving will not have much impact on a family’s finances as such but it is certainly better than seeing the cost of gas for the automobile rise and more expensive heating bills.

No Sign of a Rise

Goldmann Sachs recently predicted that the price of oil may not rise in any meaningful way until at least 2030. There are several factors changing all the time with Iran’s oil likely to become more readily available and the US of course producing strongly. No one country looks to be able to dictate anymore.

The result should be stabilization of energy and fuel raw material costs which consumers are certain to welcome. However there are so many elements involved in pricing products of all kinds so it is not the end to inflation.

Household Finances

At least with the economy improving there is a chance that every family can work towards improving their financial situation. Those people in debt are likely to be able to get competitive personal loans to pay off any ‘expensive’ debt they have. The most obvious and the most common debt is credit card balances; at the end of every month a penal rate of interest is added to any balance. Personal loans from just right bad credit lenders are readily available for those in work that can demonstrate their income justifies approval. The whole process from making an online application to getting approval and the money in the bank can take less than a working day.

Interest rates are likely to remain low though Goldmann Sachs are not suggesting that they will remain the same until 2030. Certainly lending rates have come down even for those people with a poor credit score. The upshot is that personal loans can be used to pay off expensive debt as part of an exercise to improve your finances. What no one should do is to get such loans to buy luxuries that they can ill afford. The recession is a recent memory and logically no one should want to return to the time when they could not pay their bills.

Good News

Everyone should be happy that the oil price has come down. Businesses rarely see one of their major expenses actually falling and those running a significant number of vehicles will certainly benefit. Families see cheaper heating as a benefit so there is a saving under the expenses column. That column’s total can reduce further by getting rid of expensive debt such as the credit card illustration above.

There are still some obstacles ahead for most economies and certainly adults with children should be thinking seriously about the future; not just spending all their income each month. The future is their children’s education, building a fund in the event of an emergency and certainly saving in one form or another for retirement. A good start would be to put aside everything that is saved by cheaper prices, even the few dollars a month for gas, and the potentially larger saving on domestic heating now that oil prices are so low.

Christian Investing Advice

crossWhen evaluating the Holy Bible, you are sure to discover a lot of christian investing advice. The Bible offers a multitude of lessons, parables, and instructions for just about every single facet of life. Many wonder if the Bible also offers a distinct code for safe financial investments that are also considered to be ethical. The fact of the matter is, yes, the Bible does offer teachings that have the ability to assist people generate wealth in a manner in which Jesus would respect. Each of us has the ability to invest money according to the Will of God. In this free investing guide, you will learn the top tips investing information for people of faith.

The Will of God

In order to initiate the task of investing in a manner that is consistent with the teachings of the Bible, you must first understand the Will of God:

  • In Proverbs and the Book of John, we are informed that God has a desire to make each of us rich.
  • In Corinthians, we learn that Jesus died so that each of us may experience riches.
  • In the Book of Philippians, we are told that God will supply each of us with that which we need in life.

God will Guide

When investing as a person of faith, you must know and understand that in order to reach prosperity, you will be led by God. You must follow your conscience in order to achieve wealth. Each of us has unique talents, skills, experiences, and abilities that may be used to accumulate wealth. We must indulge in God’s Word and prayer in order to hear God’s instruction on how we may achieve wealth, as individuals. The Bible is the one and only TRULY free investing guide that will assist us on our way to riches.

Investment Cycles

In studying the Bible, you will find that there are three different types of money – all of which make up the three “secrets” to achieving prosperity. Immediately following the period in which Abraham followed the Lord, God provided him with his cattle, his silver, and his gold. In this story, the cattle represents Abraham’s career. The silver represents the money that he obtained from his career, and the gold represents the investments that Abraham made. In order to invest appropriately, you must first determine the career that God intended for your life. Then, you will make the amount of money that you need to handle your financial responsibilities. In addition to this, you will have excess money. This is the money that should be used in wise, safe investments. Make your money, budget your money, invest the rest.


God wants us all to experience riches. When it comes to christian investing advice, there is quite a bit; however, safe and productive investments involve more than just taking your excess money and putting it into an investment. You must study God’s Word, pray diligently, and ponder all of the opportunities presented to you, as far as investments are concerned. The money that you invest should only be towards opportunities that are in line with God’s Will and unique plan for your life. By following the Bible, God, and your conscience, you are sure to discover investments that are in line with your unique faith-based values and religious principles. As a result of following the tips investing information contained in this free financial guide, you are sure to achieve levels of wealth that you never dreamed possible!

Investment Opportunities – Put Your Money in the World Wide Web and Watch it Work for You!

investment-opportunitiesInvestment Opportunities – Put Your Money in the World Wide Web and Watch it Work for You!

If you are in search of potentially profitable investment opportunities, you should put your money in the World Wide Web, sit back, and watch it work for you! In the past decade, the real estate market has experienced such a high degree of fluctuations that it is no longer considered to be a viable option for those that seek to have a financially stable future. The housing market rapidly moves from one extreme to another, with no consideration for the average investor; however, there is one real estate market that is quickly gaining in popularity. That is the virtual real estate market, or, the web properties that are currently available on the World Wide Web. Leading financial advisors that offer investment tips are now claiming that one of the most profitable markets to invest in are web investments. If you are ready to put your money to work and create the life that you have always desired to live, continue reading for life-changing advice and comprehensive information on these highly sought after investment opportunities.

Out with the Old, In with the New

If you are searching for investment opportunities, it is quite likely that you are familiar with the term “Asset Class”. These “classes” are specific categories that pertain to similar types of investments. The three primary categories based on asset class are stocks, bonds, and CDs. Real estate is also considered to be a common type of asset class. “Asset Allocation” is another common term that you likely know. Essentially, this pertains to how you will mix up the standard classes with the investments that you elect to make. While it is true that all investment opportunities pose a certain amount of risk, there is one asset class that is considered more promising than all of the rest. That is, web investments. This is a new asset class – even to Wall Street. Now, you can take part in this amazing new movement.

Dual-Investment Opportunity

When researching investment tips, you will quickly find that most financial experts agree that you should make more than one investment in order to optimize the opportunity for success. By investing in the web investments that are part of this new and amazing asset class, you are engaging in dual-investment opportunities. Not only are you investing in a business, but, you are also investing in the virtual real estate market. Right from the start, you are dramatically increasing your chance of achieving a high level of financial success. Ultimately, this means that you are diversifying your portfolio with just one decision, with just one transaction. These types of investment opportunities are rare. If you take advantage of this new asset class on Wall Street, you are setting yourself up to experience unlimited growth potential, as it pertains to revenue from the website opportunities that you take advantage of upon your initial purchase. There are currently 800 million virtual properties available and a new 50 million properties are created a year. Why limit yourself to the traditional real estate market, when, for the same price, you could potentially gain thousands upon thousands of virtual properties? Join this new asset class today and you will find that it is one of the most profitable investment opportunities currently available.

How to Avoid High Fee Mutual Funds

high fee mutual fundsHow to Avoid High Fee Mutual Funds

Mutual fund fees are a common complication for investors. It has been established that this industry is notorious for both the complexity of the basic fee structure and the amount of the fees within that structure. If you are reading this free investing guide, you have likely discovered that the fees associated with mutual funds are the biggest complication that you experience with this type of investment. These fees have the ability to eat into the return that you receive from your investment. Additionally, these fees are the main culprit behind sub-par performance of your mutual funds. You are not the only person to experience these issues. As a matter of fact, it has been determined that professionals within the industry actually cover up these fees through an intense layer of financial complexity and hard-to-understand jargon. In this free investing guide, you will be presented with a couple of steps on how to avoid high fee mutual funds.

Exploring the Expense Ratio

In order to successfully eliminate excessive mutual fund fees, you must first evaluate the expense ratio. In some instances, this is referred to as, “Management Expense Ratio”. This is considered to be the ongoing expenses that are commonly associated with a mutual fund. The overall percentage when it comes to the expenses associated with the expense ratio ranges from as little as .2% to as much as 2%. The average equity-based mutual fund charge is anywhere from just over 1% to 1.5%. If you have specialty funds or international funds, your fees will be even higher. Many believe that if they pay higher fees on their mutual funds, they will experience a higher return; however, there is no evidence to support any truth associated with this assumption. If you want to reduce the fees that you spend on the expense ratio portion of your mutual funds, you should evaluate how much you are paying for the management fee, administrative costs, and the 12B-1 fee.

“Loads” Fees

In order to reduce the amount you pay in mutual funds fees, you should determine if your investments have any “loads” fees. In all actuality, these types of mutual funds should be avoided; however, if you have already invested in these types of mutual funds, you should know that these fees are simply used to compensate whoever sold you the mutual fund. That could be a broker or a sales person. There are front-end loads and back-end loads with these mutual funds. The front-end fee occurs when you purchase the mutual funds for the sales charge. The back-end fees occur if you elect to sell the mutual fund within a specified time frame. When at all possible, you should focus on a no-load mutual fund to avoid costly fees.


In this free investing guide, you have been introduced to the most common types of mutual fund fees. In order to ensure that you avoid high fee mutual funds, you should make certain that you carefully study the investments that you are interested in and that you know all that you are able to regarding the fees. Not only will you be able to avoid the basic fees, but, you will be able to avoid getting taken advantage of by people that specialize in selling mutual funds. By keeping the information in this free investing guide in mind when working with mutual funds, you are sure to experience a higher return on investment.

Top 5 Smartphone Apps that Help Run Your Business on The Go

smartphone-apps-for-businessTop 5 Smart Phone Apps for Business

Smartphone apps for business continue to revolutionize the way business owners manage their company. With the right apps, it’s possible to manage customer relationships, deal with the finances and easily access files, allowing you to keep your business running with ease. When life keeps business owners on the go, smart phone apps make it easier to stay on top of important business tasks. Here’s a look at the top five smart phone apps that will help you run your business on the go.

App #1 – Square
If you need to accept payments on the go, Square is the perfect option. It allows you to use your phone to accept credit card payments. Simply plug in the free credit card reader using the audio jack of your phone and swipe a credit card. The money goes right into your chosen bank account. While the card reader and app are both free, Square takes a small percentage of each sale.

App #2 – Evernote
Another of the best smart phone apps for business is Evernote, a note taking and data capture app that allows you to keep track of different types of information. You can store web clippings, audio files, text notes, photos and handwritten notes using Evernote. The great part is that Evernote syncs all notes using the cloud, so when you add a note on your desktop, you’ll be able to access it on your smartphone. It’s available for BlackBerry, Android, Windows Mobile, Palm and IOS. A free version is available, or you can spring for the premium version if you need better security more storage and other helpful features.

App #3 – Skype
When you need to communicate with employees or clients, Skype offers a great app to add to your smart phone. It gives you free video calling, voicemail, texting, instant messaging and Skype to Skype voice calling. You can have a video conference with your sales team or meet with clients using the video chat. Skype is available for Android, IOS, Blackberry and Symbian operation systems.

App #4 – Desk.com
Offering your customers great support is an important business function, and with Desk.com, you can easily see all your customers in a single place. The app also makes it easy to engage customers across various social media sites and support channels. Alerts are provided in real time so you make sure you deal with customer support issues fast. Pricing varies, depending on your unique business needs. The Desk.com app works for iPhones, Androids and other smart phones that can support HTML5 browsers.

App #5 – Dropbox
Dropbox is one of the best smart phone apps for business because it offers a quality cloud storage storage that makes it easy to share files. Start by adding Dropbox to your desktop and then add files to your Dropbox folder, which will sync automatically with Dropbox’s cloud server. Then, add the Dropbox app to your smart phone and log in. It makes it easy to access all the Dropbox files you’ve added to Dropbox, no matter where you are. Free accounts are available, but if you need additional space, you can choose a paid account. Dropbox is available for Kindle Fire, BlackBerry, Android devices, iPad and iPhone.

Of course, these are only a few of the many smart phone apps available that make it possible to run your business while you’re on the go. Consider using these apps and look for other apps that will improve productivity and keep your business running smoothly, even when you’re not in the office.

Back to School: The Right Degrees for Older Adults

It can happen to the best of us. In a fast changing world, the degrees and skills that were in demand yesterday might not be worth a whole lot tomorrow. Globalization has been causing mass changes the labor market and it’s possible that you have found yourself laid off or downsized, and that you no longer have the right qualifications to land a good job.

One option is to go back to school, but if you are an older adult, you should closely consider your options before investing the time and money it takcolleges are ripping students offes to secure a college degree. We certainly don’t want to discourage you from getting a degree, we just want to make sure that you consider what to study and where to study at.

If you are going to make a career change, a college degree is a great option for doing so. Before you sign up for a degree, however, you should ask yourself some questions. Where do your strengths lie? What type of degree can make use of your previous work experience, but will also open the doors to new job opportunities?

Let’s say you are an electrician but the factory you worked at has closed down and now you are having trouble finding a job. So what should you do? You could consider going back to school to be an electrical engineer.

With all the efforts to upgrade the energy grid and the revolution currently taking place in the renewable energy field, electrical engineers are in demand and the pay can be very high. At the same time, you’d be able to apply all of the knowledge you picked up as an electrician to your new career.

Another thing you need to pay attention to is the cost of getting a degree. Check out tuition prices, first and foremost, but also make sure you pay attention to costs of books, lab fees, and other things. These extra costs can add up very quickly. Usually, your local community colleges and/or state universities will offer the best value, but that isn’t always the case, so make sure you do some research.

Are Futures a Good Alternative to Stocks?

Let’s say you want to invest, but you aren’t comfortable with stocks, or are looking to diversify your portfolio. No one would blame you. On one hand, learning the ins and outs of each stock before you invest can be difficult. On the other hand, having a diversified portfolio is always a smart idea. One great way to diversify your portfolio and to expand your horizons beyond stocks is to invest in “futures.”

So, what are futures and how do they work? Futures generally involve the purchase of commodities, which can be anything from corn to oil. This type of product is considered a commodity because the goods bought are largely interchangeable. An ear of corn, after all, is an ear of corn.stock chart

Futures allow you to buy a commodity now at a prearranged price but the commodity itself won’t be delivered until a specified date in the future. For example, you could buy 1,000 barrels of oil but specify that the delivery date won’t be for another 6 months. If oil prices are low right now, you should be able to buy the oil quite cheaply.

If oil prices rise over the next few months, you will produce a profit because you secured the oil earlier at a cheaper price. Most of the time, people who buy futures do not actually take delivery of the oil itself, so you won’t have to worry about 1,000 barrels of oil being dropped off on your doorstep. Instead, you will settle the difference with the seller.

So let’s say you bought a contract to secure 1,000 gallons of oil at $100 dollars with a delivery date 6 months from now. Over the next 6 months, oil prices rise and reach $125 dollars. You could then settle and take the $25 dollar profit per barrel, which would amount to $25,000 dollars. On the other hand, if prices drop to say $75 dollars, you’d have to pay the seller the difference.

Either way, some people prefer to invest in futures because they prefer analyzing commodity markets to stocks. So if you are looking for an alternative to investing in stocks and bonds, consider futures!