Low Interest Rates Hurt Those With Money

By Stacy Tran

No matter how hard you search for the best money market rates, you are not going to find anything very high right now. This is a bad time for someone who lives off a fixed income and relies on interest income for his or her survival. Retired people usually are the first ones you think of in this category, as their only two potential income sources are Social Security and investment income.

There is really no safe place for anyone to put their money and get a reasonable rate of return. Older people need to have their savings in something safer than the stock market because they might need the money at any time and they cannot afford the risk that comes with the stock market. It is true that they might not have to worry about losing a job like many folks do, but their income has taken a big hit too.

CD and government bond interest rates are usually going to be higher than those of money market accounts. This is because the money you put in a money market account is not locked up like it is with a CD. Interest rates can depend somewhat on the time frame you agree to loan the money and with most money market accounts, you can make periodic withdrawals and you can take all of it out at any time. This means you get a lower interest rate than something like a CD where you agree to leave the money in for a predetermined length of time.

People use money market accounts in conjunction with stock portfolios as a place to park their money that is not invested in stocks. If you are one of the lucky ones that has money to invest, right now you will not be finding rates that give you much in return. No matter how long you search the Internet, you will not find rate that are anywhere near what they were 3 or 4 years ago.

There is something called social lending that will give you a higher rate of return but it does come with some risk. With social lending, you are lending money to another person rather than a banking institution. This is done through the Internet and you might be able to get a rate of return of 6% or higher. In exchange for this higher rate you will be exposed to more risk as the person you loan your money to could default on the loan. Even with the risk, if you absolutely need to find a place where you can get a higher interest rate, this type of social lending is worth looking into. - 23199

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Want A Safe And Easy Investment For Guaranteed Success? Try Gold Trading.

By Klaus Bazel

Since the beginning of time, the word "gold" has meant money and wealth. Making the decision to buy gold may be the best decision you've ever made. Most people that sell gold are doing it at times when gold is at its highest value, ensuring a nice healthy profit. You can sell or trade gold 24/7.

Many small businesses are learning about how to buy gold and sell gold and also to follow the prices; much like one would follow the stock market. Unlike the stock market, the value of gold bullion is not dependent on the success of other individuals or institutions. Learn how your small business can gain success and wealth by buying, selling or trading gold.

So why does buying gold seem to make a lot of sense? Well, gold has been around for quite some time, which is most likely a reason why it is better than other investment vehicles. Here are some facts to consider:

- Gold will not rust or tarnish.

- Rust or tarnish will never ruin your gold.

- Gold is not heavy and cumbersome like some valuable items (paintings, statues & other collectibles.

- Gold can be sold at any time and any place.

- Gold is lightweight compared to other valuable items, such as statues, paintings, and collectibles. Selling gold is quite easy.

You, like many others, may have the misconception that you cant afford gold. However, now is the best time to invest. Small gold bullion or small gold nuggets can be acquired at affordable prices. There are many companies that deal in gold and will sell it in small sizes to make it more affordable for the average person.

This makes sense because golds value has increased 130% since 2002. This is why you should have your small business buy gold and benefit from it. Because small business owners may have a difficult time keeping a business going, the decision to buy gold or trade gold can help make that business wealthier.

Analysts even recommend that businesses buy gold because it is a safe investment and can be a safety net against a weakening dollar and inflation.

Even analysts are recommending that businesses buy gold due to the safety of the investment and the safety net that it provides against inflation and the weakening dollar.

Your small business will gain value when you buy gold and will make your business wealthier, especially when retirement nears. By learning about gold trends, you are able to sell gold at a time when the largest profit can be achieved. In the meantime, you are able to add assets to your businesss equity.

Small business owners are realizing the ability to buy gold and sell gold within their business to make it wealthier. This is a great way to create a retirement fund or another fund that cant lose. - 23199

About the Author:

Small business owners are becoming wealthier because of the ability to buy gold and sell gold. The business adds assets and builds equity, as well as creates a nest egg for retirement.

Wondering What Day Trading Is? Here's How To Get Started

By Sam Lockwood

One way you can make money buying and selling on the stock exchange is by day trading. This method uses the volatility of the market over the course of a given day to help traders make their money. Currently, we're in one of the most volatile markets since the late 1990s, making it one of the best day trading markets.

Via short selling, day trading can be used to get a profit from stocks, even when indicators tell you prices are going down. In every case, day traders will be working with a broker, and they'll be watching two major indicators. These are the TDISC and the NDIX. At the start of the day, these two indicators will broadly tell you what's happening in several different exchanges. When the market's going down, the TDISC will drop more than two thousand ticks within the first half hour of opening. If the market's going up, the NDIX will rise more than two thousand ticks in that thirty minutes.

The rapid fluctuations that can happen over the course of a single day are what day traders use to make their money. They have to buy and sell quickly. That's why day trading is both a great way to make a big profit and a fast way to lose it all. You're never buying for the long term, so it can be tempting to buy lots and skip researching. You might get lucky trying this, but most of the time it doesn't work.

Day trading really is a job, rather than a passive income source. If you're thinking about starting it, you need to have the right training. This could come through an online course or a seminar. No matter how you learn about day trading, you need to be able to get into it with your eyes open.

In addition to basic knowledge, you will also require a brokerage account. After all, one of the big tricks for day trading is short selling. This is when you borrow a share of stock from the broker you work with, then sell it right away. You're planning to buy another share to give back to him with it comes due. When the price of stock goes down, you make a profit. Time things correctly and read the market right and you'll find things working out well. You can also move larger amounts using leverage.

Of course, there's a reverse to short selling, too. Borrow or buy a share at one price, then sell it for more over the course of the same day.

If you're going to get into day trading, you have to have excellent skills of observation and strong nerves. You also need to have a short memory - at least when you want to. That's because you're going to see losses and you have to be able to look at them objectively and without panicking.

It is definitely possible to do day trading from home if you use the right programs and have the right tutorials. You'll need to be sure that you have a plan for executing your trades, and that you do them before the last half hour of the trading day for the market. - 23199

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Understanding Loan Consolidation for Business Owners

By Layla Vanderbilt

Owning a business is never easy especially if you?ve just started your business. Many business owners have to take a loan or get a credit card to start their business. Many businesses owners find out that it?s very easy to get in debt. There is a solution to help business owners get their business?s finances back on track. If you have loans and credit cards then you should consider getting a consolidation loan. A consolidation loan can help by combining all of your business?s debts into one monthly payment with one interest rate rather than having to try to pay them all at the same time.

If you?re going to find a lender for a loan then you should have your finances prepared. However if you have someone else that handles your finances then you will need to get them organized properly first. It?s important to have a few specific statements with you. You should have a statement for your income, expenses, and debts. When you are putting together the information about your debts you should ensure that you include the interest rate and the amount of your monthly payments. This will allow the lender to see where you stand in terms of your finances. This could potentially help them make a decision in your favor.

Many banks offer business consolidation loans for small businesses. You should go to the local branch of your bank and speak with a loan officer there. Many times a loan officer will be able to help you find a consolidation loan. Each financial company has certain criteria that you will need to meet to be able to get your loan. Although the loan officer may not be able to tell you what that criteria is, he may be able to give you some general rules of thumb that the bank goes by. If you?re considering getting a consolidation loan with the bank then you?ll need to fill out an application while you?re there. Before you fill out the application you should ask what the interest rate ranges are for the loan and the term length ranges.

If you are unable to get a consolidation loan from the bank or want to try a different option because what they offer isn?t optimal for you then you can try other organizations. There are many organizations, both for profit and nonprofit, that offer small business loans to businesses. You can search online to find such organizations that offer these loans.

Every lending company you go to will ask you to fill out an application before you get approved. Some business owners will include payment plans and their business finances with their application as a way of securing their loan. Although this is not a guaranteed way to get approved, your extra effort is important to the loan officer who is looking over your paperwork.

If you?re unable to get a loan to consolidate your debt you can also try getting a new credit card with a low interest rate. Sometimes this is even a better option if you?re able to pay it off before the initial bonus ends. When you?re trying to consolidate debt you should try to find the best solution for the situation at hand. - 23199

About the Author:

Layla Vanderbilt is the content coordinator for a leading website that offers for debt consolidation advice and guidance.

Buzz on FAPTurbo - Automation, Result, Costs, and Risk

By Jeffrey Fapedosha

FAPTurbo is an software trading system for Metatrader4 that can actually trade for you automatically as you direct. Three IT programmers built the robot, and compared to the previous version called Forex Autopilot it is much improved.

There are many reasons why FAP Turbo is rocking the world of foreign exchange trading. The first is you can set it up and let it run on autopilot and that is really the only thing you need to do. So that you don't have to keep your computer turned on all the time, you are given the option to host it on a remote server.

Real live trading accounts have been used to test it, not just dummy accounts. If you want to install the system yourself of course you can do so and there are video tutorials to guide you.

Once setup the program does not rest. This little tool will analyze the market twenty-four hours a day, Monday through Friday. Previous Forex experience is not required, as you will only have to set it up following the simple directions. The customer service they provide is top-notch. This group reacts rapidly to any query.

When comparing this type of software, there are some important factors that can be used to determine their profitability. The winning rate of the system is the first factor. Live testing is showing an even higher success rate than FAP Turbo's back testing over the past 9 years has been 95% on average.

The draw down of the system is another important factor. Draw down is the number that reveals what the biggest amount of money that FAP Turbo has lost during back testing. Draw downs of 10% to 20% are typical for Forex trading software. But the draw down on the FAP turbo is only 0.35%. That's zero point thirty-five percent which explains why the equity graphs on their site are so even and not constantly going up and down.

It's precision risk controls and profit opportunity locating ability are beyond anything else available. You may purchase the software to test on a demo account, and if you are not satisfied with the results, there is a 60-day money-back guarantee. This robot is inexpensive and you can trade with an initial investment of only $50.00. - 23199

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