The Difference Between A Day Trader And An Investor

By James Larson

Although many people seem to confuse day trading with investing these two are not the same. Whereas investing is done within long periods of time day trades usually buy and sell stock in much shorter time intervals. Even though it all depends on the stock a day trader does not invest in a company. They buy and sell stock with the intent of making money based on the small fluctuation in price.

Investing presupposes pre-calculated moves whereas day trading is more like speculation. Even though day trading is not quite like gambling because trades are based on specific analysis and information it is much less secure than investing. Neither the investor or the day trader base their decisions on luck.

Day traders base their buy and sell decisions on the fact that stock prices fluctuate constantly. The volatility of stock prices is what day traders depend on to make money. Conversely it is also what will determine if they will loose money. It is these daily small fluctuations that the day trader depends on to make a profit.

While a day trader is looking for relatively small returns real investors are in it for the long run and they are looking for much larger price fluctuations in stock. Investors research and buy so that their return is preferably higher than what they would get if they save their money in the bank also taking inflation in consideration.

One similarity between day trading and investing is that both require practice. You wont become a day trade nor a successful investor overnight. You will win some and loose some by practicing but you need to learn how to let the information sink in before making any big decisions about your money.

The primary difference between an investor and a day trader is time and percentages. These two terms shouldn't be confused because they are used to describe two different techniques.

Educating yourself about the techniques involved in day trading and investing is very important if you are starting out. You need to be able to spend some time and learn what is involved in the two processes. - 23199

About the Author:

The best thing you can do before you begin investing is to talk to an Investment Adviser. You must to locate someone in your area though. If you live in Toronto then you should locate an Investment Adviser Toronto.

Five Facts You Didn't Know About Debt Collectors' Rights

By Sean Payne

If you are in debt, you're probably already aware of the rights you have under the Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act, which is also known as the FDCPA, says that you have the right to expect certain debt collection practices from debt collectors.

The FDCPA specifies exactly when debt collectors can contact you, how they can do it, and what they can tell you in order to collect on a debt. One example is that a bill collector can't tell you a lie or misrepresent the truth about your debt. The FDCPA was created after a long string of debt collectors abusing people to collect on debt. What you probably don't know about the FDCPA, however, is that even bill collectors have rights.

First, they have the right to initiate communications with you in order to inform you about your debt. These communications may be in the form of a telephone call or a letter. In this communication, they can spell out exactly what you owe, including fees and penalties.

Next, they have the right to keep contacting you unless you tell them in writing that you don't owe the money that they claim you do, that you don't owe them as much as they say you do, or that you're demanding that they give you proof that you owe the debt. They are, however, limited by the FDCPA in how and when they can communicate with you, but as long as they stay with the rules under the FDCPA, they're allowed to continue to contact you unless you tell them to stop.

Third, the debt collector can continue to contact you even if you request that they stop contacting you, as long as the debt collector is actually the original creditor, or an in-house agency owned by the creditor. This is because the FDCPA recognizes creditors as being different than debt collectors, so they don't have to follow the same guidelines that debt collectors do. They do, however, still have to follow the same rules of decent behavior that debt collectors do. This includes not harassing people you know, or calling you at all hours during the night.

Fourth, a debt collector has the right to contact others about your debt. They can only do this once, though, and they can only do it to find out your address, your telephone number, or the place where you work. They are, however, prohibited from contacting any third party multiple times, because that would be harassment.

Finally, a debt collector has the right to sue you to collect on a debt that you owe. Of course, you have the right to defend yourself in court, but if a judgment is made against you, your wages may be garnished.

If you're forced to deal with any debt collectors, you need to know your legal rights. You also need to know the rights that debt collectors have under the law. This knowledge can show you how to deal better with these guys when and if they cause you any problems. - 23199

About the Author:

Sean Payne is a personal finance and debt relief enthusiast. After finally getting out of debt, he spend over a decade discovering the best way to get out of debt, and keeping your cool while dealing with debt collectors. To learn more about debt collectors' rights, and what you can do to preserve your peace and quiet, check out his excellent debt reduction course.

Law Of Attraction - Where To Find A Good School

By Barbara Remirez

The Law of Attraction works whether you are aware of its existence or not. This is so because it is not powered by words only, even though they do have an effect, it is powered by your vibrations. This is the unique signal you broadcast out into the universe.

The Law of Attraction is always on. You can't switch off this universal Law. And it works whether you believe it or not.

If you are fine tuning your signals to let others know what you are looking for, the physical vibrations coming back to you will be very relevant. It is about learning who you are and broadcasting it so that you get exactly what you want.

One of the keys to manifesting what you want with the Law of Attraction is to ignore what you see in front of you and focus instead on what you are creating.

To become good at manifesting, here is what you need to become good at.

Create a vision board. Past pictures with your desires on it. If you are looking for a new job, put pictures related to your desired job on it. Look at it often, ponder over what it means to you to have this job, and see the opportunities before you.

It is like learning a new skill. Mind reprogramming requires reinforcement and repetition.

The Universe holds all the riches we could possibly want. The Law of Attraction is the most effective technique whereby you may attain wealth and success, even freedom from illness, provided you believe in it absolutely. Belief does not make the Law stronger, but it does strengthen your own thoughts.

So if you are eager to take the plunge and start the life-long process of transformation, you need to take that basic step and that involves your mindset. You have to be eager to transform, and wanting to change. Then, you can begin implementing more advanced techniques to speed up your progress.

To learn aspects of the Law of Attraction that are not discussed in popular movies or workshops, consider becoming a member in the Global Information Network. - 23199

About the Author:

Barbara Remirez is a member of the Global Information Network. In addition to practicing the Law of Attraction, she is an award-winning self-published author and teaches aspiring authors how to write, publish and sell their books online and offline.

Learn Online Trading: Start with Good Penny Stock Listing Options

By Zachary Riff

It's easy to learn how to do online stock trading. For beginners like you who are interested in investing your money in online stocks, start by trading in small investments and good penny stock listing options. These are good ways to begin with, as well as gaining experience and creating your own workable trading strategy. For beginners like you, it's best to rely on a good online stock trading firm to help you start up.

There are two tools you will need for the tools: a good and reliable online stock trading firm and several very reliable and fast stock trading information portals. Begin by surfing for an online brokerage firm that offers free start-up accounts.

Many online brokerage sites offer courses on online stock trading, as well as services like small stock options, penny stock listing information, as well as stock news and data reports. Sites like these also offer advice and services on how to start buying and selling online, as well. Choose a site that you like and whose registration process and site navigation are easy to understand and maneuver through. Pick one that not only offers the courses on online stock trading, but also has great turnkey applications and solutions.

Getting the right stock information is vital to learning how to become a good online stock trader. The most common kinds of stock information you can get online (through your online stock trading firm) are updates on your stocks, updates on new shares and penny stock listing options, and other stock market information that you can use in your buying and selling.

You can also do your own research and browse through stock market news sites that cater specifically to the online stock trading community. Check for through online stock news portals, daily streaming stock quote and data and charts, and penny stock listing reports, and other stock updates.

You can find the information you need in these online financial and stock market news sites about the stock market reports, penny stock listing data, and specific stock options that you may be interested to invest in. Be cautious, though: Don't be taken in by sites that say you don't need to learn about online stock trading. Online stock trading requires knowledge and experience, even for non-professionals who have been doing it for years. Start with small investments and penny stock listing options that are solid and reliable. Don't go for the kind that is highly erratic and unreliable.

The best way to practice stock trading is to go online. These investments are the perfect training grounds for you to develop experience and your own working trading strategy. Eventually, when you move on to trading bigger stock investments, you'll be able to apply what you've learned and find that online stock trading is a sound and reliable way to invest your money.

Always remember that the keys to learning about stock trading is starting with small investments and good penny stock listing options, learning how the market works and gaining the tools and valuable experience to be able to buy and sell shares, and lastly (but not the least, by far), getting the vital information that you need to ensure that whatever trading movement that you do, it's always the best move you can make. - 23199

About the Author:

Read more about good penny stock investing. Practice stock trading online now.

Bulk REO Investing In This Current Market

By Jerome Pennix

Bulk REO Investing is proving to be one of the most lucrative fields of investment during 2009 and beyond. Bulk REO Investors profit by purchasing groups (commonly called portfolios) of properties from lenders who have repossessed the properties and have urgent need to release pressure from their balance sheets. Due to the urgency of the balance sheet needs of the financial institutions coupled with the investors ability to buy a package of REO properties rather than individual properties, its frequently possible for a well-capitalized bulk reo investor to acquire REO packages at extremely attractive prices.

Most bulk REO real estate investors make offers to lending institutions on the basis of a percentage of unpaid mortgage balance. This means that if the investors make an offer of 60 cents on the dollar for a package of loans with a remaining balance of $3,000,000 in principal balance, then they pay $1,800,000 to acquire that group of houses.

When the REO portfolio transactions are finalized, investors have multiple houses which may then be sold to bring a return to their fund. To do this, the investors resell their houses to retail home buyers via seller financing. By eliminating traditional lenders out of the transactions, they are able to move their houses quickly and at very attractive options.

Try to learn when the banks financial quarter ends. This is when they report their quarterly earnings and financials and when most of supervisory management get evaluated for increases in pay. Just like any business, financial institutions dont want to show these underperforming properties on their books especially when their earnings reports are due.

Valuate the properties, figure out what you need to get them for, and put in your second (or third) best offer (do not give your best offer first).

Negotiate until its a win for all: you get to have several properties at lower than market value the bank walks away with those deals off of their books just in time for the quarterly earnings reports to shareholders.

The future seems quite bright for astute Bulk REO investors. - 23199

About the Author:

Get your piece of this lucrative REO market. Go to REOGoldMiner.com and find, valuate, and even advertise your REO deals. You can find and valuate your REO deals in under thirty seconds, all over the nation at REOGoldMiner.com. Visit us today.