Is Your Retirement Slipping Away? How Are You Going To Rebuild Your Wealth?

By Marc Abrams

My retirement projections are all wrong! They were based on annual returns of 8% to 10%. That is what I was told I could expect. How many of you are facing the above situation? Well, we are now in a new era and there are new questions to be asked. What are you going to do?

There is only one person that is going to look out for you during these frustrating times. It probably is not your broker, or even your financial advisor. After all, they allowed you to get into this position, right? Well, that person is YOU!

Are you waiting for those losing stocks to recover, you know, the ones that you have an emotional tie to? You as an investor must teach yourself to think differently. That is entirely alright. Who cares how those positive investment returns will come. What is important is that they do come.

The average investor needs to change the way he thinks. We need to teach ourselves to invest not with emotion, but with common sense. I treat my investing activities like a business. If a particular trade is not working as I had out as planned, I close it out and move on.

My real estate investor clients have told me that the profit is made at the purchase of a property, not on the resale. Can that be applied to the stock market? Sure, my clients do that very thing.

A change in thinking will shift your focus to monitoring the trade during its expected life. I say expected life because that is known prior to entering into the trade. You will no longer just hope for a particular trades increase in value. Yes, you will know your exit strategy prior to entering into the trade!

You need to teach yourself to run your investing activities like a business, monitoring the trade through its life cycle. You will no longer be at the whim of the stock market. I can assure you that you will feel in control of your investments.

Surprisingly, there are stock market investing strategies that allow you significantly more control over the outcome. I can assure you that the stock markets most successful investors do not just hope things go their way. They simply have tools at their disposal that give them the best chance of success.

Successful investors rely strategies that tip the odds in their favor, and they have learned to treat investing like a business. What are these strategies? Well, that is beyond the scope of this article. However, in order to find success you can start by changing the way you think. - 23199

About the Author:

About the Author: Marc Abrams is a Certified Public Accountant with over 15 years of financial and stock market investing experience. Visit Marc's website for more information on stock market investing strategies to help rebuild your wealth.

7 Things That Affect How Your Car Insurance Rates Work

By Adam Lett

It's important to understand how car insurance works and how your premiums are calculated. You will never know the exact formula for calculating your rates, but there are some factors that will affect how much you pay for car insurance. So here are some things that will raise and lower your car insurance rates based on how risky you are when it comes to driving.

The amount of coverage you need or want will affect how much you pay for car insurance. It's obvious that the more protection you want, the more you will have to pay. For example, liability only coverage is the least expensive car insurance compared to having full coverage on your vehicle.

The amount of your deductible will greatly determine how much you pay for car insurance. A deductible is basically the sum of money you pay before the insurance company starts paying a covered claim. The more cash you are willing to pay out before the insurance company does, the smaller amount you will spend in premiums. A small deductible will encourage the insurance company to offer you a better premium.

Your driving record also plays a crucial role in your premium amount. If you are always involved in accidents, the insurance companies will consider you as high risk. Your premiums will increase correspondingly. If you have a good driving record, you will pay less in premiums because you are deemed as low risk. The insurance companies prefer low risk clients.

Credit rating significantly affects car insurance premiums. A higher credit score will mean better rates with your car insurance policy. This is because you are deemed as less risk by insurance company if you are more responsible with your credit.

Your location can influence your car insurance rates. If you reside in a bigger city with many cases of burglary, your insurance premiums can be higher. Insurance companies will give you a discount based on your residence, anti theft security feature of your car, and the parking area of your vehicle when not in use. You have less control over the discount rate unless you own a car with many safety features.

You age affects your car insurance rate also. Usually, more years in driving will mean lower pay for car insurance. Teenagers and people under 25 years old are charged with higher rates than other age group. Seniors likewise pay higher rates because teenager and seniors are both prone to car accidents.

And lastly, the type of car you drive will have an impact on how much you pay for car insurance. The more safety features, how old the car is, and what type of vehicle you drive will allow for fluctuating car insurance rates. Make sure to check out how much your car insurance will cost when buying a new vehicle.

Hopefully these 7 tips that affect your car insurance rates will help you understand how car insurance works, and how your rates are calculated. The more you know about car insurance, the better off you will be in the long run. - 23199

About the Author:

Now, to answer the question how does car insurance work head over to the how car insurance works website for more car insurance tips and how to compare rates to get the best price.

Breakout Fading Explained (Part I)

By Ahmad Hassam

Suppose you believe that the currency prices will not be able to follow through action in the direction of the breakout. Fading breakouts refers to trading against breakouts. When we believe that breakouts from support and resistance levels to be false and unsustainable we fade breakouts.

Fading breakouts tends to be more effective as a short term strategy. It is not meant to be a long term strategy. False breakouts are also known as fakeouts. False breakouts are a bane for breakout traders but boon for breakout faders.

Support level attracts the buyers enthusiasm for higher bids. It prevents the price from falling further. The resistance level attracts the sellers enthusiasm for shorting and it prevents the price action from advancing higher. Support and resistance are seen as the price floor and the price ceiling respectively.

It is perfectly logical for the crowd to think that if the support level is penetrated, then the price action should move downward. The crowd is more likely to sell than to buy when the price action breaks the support level from above. The idea of trading breakouts appeals to many independent traders especially those new to currency trading. The crowd likes to trade the breakout.

The opposite is true of a price break above the resistance level and the crowd usually concludes that if the resistance is broken, then the prices are more likely to advance higher in the rally. Hence, the crowd is more likely to buy than to sell when the price action breaks the resistance level from below.

You will find clusters of stop loss orders placed by traders who have brought near the support level or have sold near the resistance level. Now you can also understand why there tends to be large number of entry stop orders placed just above a resistance level and also placed just below a support level.

So when the price action breaks out above the resistance level, short positions will be stopped out. Similarly, long positions will be stopped out when the currency prices crosses below the support level.

You will ask why most breakouts fail? The fact that smart traders need to take the money from the novice and inexperience traders is one of the most important reasons why most breakouts fail. Always remember, it does not always pay to have the same mentality as the crowd. The majority will cash out of the trading game broke.

Smart money belongs to the big players who have a couple of tricks to sabotage the crowd. The crowd holds the dumb money with the weak hands. Money has to be made from the majority. Not from the minority who got it right and know how to play the games.

The most money is made when the crowd turns out to be wrong. When the crowd scrambles to get out of their losing positions, it causes vertical rallies or declines. Read Part II for more. - 23199

About the Author:

Mr. Ahmad Hassam is a Harvard University Graduate. He is interested in day trading stocks and currencies. Know These Forex Broker Games. Learn Forex Trading!

Global Macro and Investing in BRIC's

By Paul Soros

BRICs are the nations of Brazil, Russia, India, and China. In 2003 Jim Oneil at Goldman came out with the paper entitled Dreaming with BRICs the Path to 2050 where he laid out a thesis showing why the BRIC nations would likely become the dominant economic forces in the world by 2050.

Basically these nations: Brazil, Russia, India, and China have several different and large economic forces working in their favor. Traditionally the problem with growth in these countries has been rampant corruption and bad government policies. Well the last ten years has seen some huge inroads into fixing all of these and their economies have taken note growing at very fast paces and already starting to gain on their developed brethren.

Brazil has grown up a lot over the last 20 years. Having been called the next growth engine since the seventies it appears as though Brazil has finally figured it out and is building a legitimate economy that has a solid banking system, several industries, and a huge oil industry. Having gotten rid of the majority of its Latin American corruption Brazil is well on its way to becoming a major force in the world economy.

Russia is next and like Brazil has huge oil and gas reserves and resources. In addition to natural resources Russia also has a very educated population with many scientists. The only thing that Russia needs in order to further progress is to fully purge itself of corruption that is fairly rampant in the government, But hey when your leader is a former KGB agent what do you expect? Anyways if they can get past the Putin issue then they will become one of the most powerful economic forces in the world.

India has over a billion people. That in and of itself is not a big deal, except that they also have one of the largest bilingual populations on earth as well as a large educated segment. This has helped India to become first a humongous outsourcing giant and second to become a real and legitimate technology leader in its own right. They have scientists, engineers, and doctors who are rapidly becoming on par with their western brethren. The next ten and fifty years will be exciting as India continues to improve.

The last country on the BRIC list is not last because of potential but instead just for a catchy acronym. In fact if China can manage its growth right it may become the largest economy on earth over the next forty years. China has the people and is rapidly gaining the technological know how to do almost whatever it wants. The only caution is that government does not blow out the flame, but that is looking like a lesser and lesser problem. These nations have loads of potential for not only their citizens but also for global macro investors. - 23199

About the Author:

If you need actionable trading ideas then check out The Macro Trader It is a weekly global macro investing advisory publication with frequent intra-week updates for time-critical analysis and actionable trading ideas.

Forex Ivybot system Review

By Frank Guest

I have been into the world of trading since 15 years and have used many forex robots during this period. The main disadvantage which I found in all these products was that they became ineffective after a certain period of time. Forex world keeps on changing and if the software cannot update itself according to these fluctuations they become of no use.

Forex robot trading is the best way to make money from this field. The main problem is that you have to find a useful robot which will give you the latest information regarding the changes occurring in the market. It should be able to update itself and work according to the fluctuations which occurred in the forex world. Ivybot which is recently launched in the market has got this unique feature which will prove beneficial for the people.

Ivybot will also stay in touch with the market and will keep you updated regarding the developments in the field of trading. It will help to take wise decisions regarding deals and will make your financial levels stable. If you do not buy a robot which will get updated according to the fluctuations in the market it will not prove to be useful after a while. This is the reason why Ivybot is considered as the best among the forex robots.

The Ivybot developers have spent a lot of time planning their support team, as they understand how daunting Forex trading can be for the newbie. From experience I know that bad support really can let a product down, so it's good to see that they decided to employ 5 full time people who will focus all of their time on supporting clients. As with any Clickbank product there will also be a full 60 day money back guarantee, so anyone who is not fully satisfied with Ivybot can get a refund within that period.

Do not waste your time and money on forex robots which will not prove to be beneficial after a certain period of time. Ivybot is there at your help whenever you want and will help to improve your business. This product is hype among the crowd.

Ivybot is a forex robot which will guide you in the right direction and make your business profitable. You can depend on this software to help you in making better decisions in regards to business deals. - 23199

About the Author:

Download the fastest most advanced Forex robot system to ever be created right now, with the Forex Ivybot. Read our Forex Ivybot Review here.