Tips For Creating An ETF Trading System

By Patrick Deaton

There are many options available when a person is looking for an effective ETF trading system. There are many website companies that offer services related to trading systems. They may offer alerts, updates, training, information, etc., to make using a system easier. However, the longer that a person is a trader, the more likely it is that they will develop their own effective system.

The terms "trading system" and "trading strategy" mean two different things. These terms are often interchanged by individuals who are not clear on the difference and have not been involved in ETF trading. When reading advertising by someone who says they "know" ETF trading, this is a good indicator of what they actually know.

In it's simplest, uncomplicated definition an ETF trading system are a group of specific rules determining your entry and exit points for your ETF. Those "signal" alerts you hear so much about are actually when the lights on the points indicate it is time to move. In some cases it is when the EMA crosses the SMA or vice versa. The indicators are set by you so that you receive an alert when you will get the most gains from a move in your ETF.

The analytical tools used to set up those rules are pretty ordinary also. The most common tools used are the Stochastic, Oscillators, Bollinger Bands, Relative Strength, and Moving Averages. The details and information that these programs spit out is called "indicators." When you use at least two indicates from one or more of the tools, you have yourself a system.

Now, what makes a system effective and consistently reliable depends on what two or more indicators are used in your system. You may need different indicators for a more volatile sector than you need for a low risk sector. The programs kick out literally hundreds of details that can be used as indicators for some part of your trading.

The time and research needed to create an effective system can be very time consuming. For some people using a pre designed program or service is more cost effective. When a pre designed program or service is used the "rules" or parameters that are used have been identified using another analytical tool that shows what types of indicators are most effective with certain sectors.

Other people prefer to do the necessary up front work to create a system that is effective for them and consistently provides them with the gains that they want. The rules for using a system are very simple. First, whether it has been purchased or created, it must make money. Statistically, when a person has ten negative returns in a row they need to re-evaluate their systems and strategies.

When using the system it is important that a plan be in place to limit loss. By setting buy and sell limits that have been indicated by the analytical tools a person is creating a safety net to stop hemorrhaging when they are in a loss cycle. The system should be composed of stable parameters. The analytical tools will give a lot of detailed information and data. It is very easy to get caught up in the data. Making sure that the lines that are included in the systems parameters are stable will help to create an effective system. - 23199

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What You Need To Know Before Choosing A Variable Annuity

By Jeanie Kash

This article will give you a quick rundown of the most important things to think about when you're looking for a variable annuity as well as how to decide which annuity will best meet your needs.

As with any annuity insurance, a variable annuity is a contractual agreement between an investor and an insurance company. The investor provides an upfront payment - either one time, or instalments.

The investor's returns come in the form of payments which are comprised of a percentage of the principal along with the interest earned by this principal, generally as ongoing payments. Annuity payments may be made for a certain period as spelled out in the annuity agreement or for the life of the investor.

With a variable annuity, you decide how to invest the money that you have placed with the insurance company. There will be a list of pre selected funds ranging from highly aggressive stocks to conservative bonds and you choose how you wish to invest.

A variable annuity gives the investor the best of both worlds - they may invest outside of the annuity itself but at the same time, they receive the benefits of tax deferral typical of annuities.

Another option usually provided with variable annuities is the choice of converting to a fixed annuity. Investors may decide to invest their payments in bonds and stocks; or if they would rather not expose themselves to the risks posed by market fluctuations, they can choose a fixed interest rate instead.

A portion of your annuity payments can also be allocated to any account of your choice which provides a fixed interest rate. Your investment can be thus shifted without having to pay taxes on these gains until such a time as you actually receive a payment. Once you begin receiving payments, you may choose to receive them as regular ongoing payments or as a lump sum.

Generally speaking, investors do very well with a variable annuity invested in the major US markets. Though there is always some risk involved with investing, most economists and financial experts regard stocks as a solid investment which provides flexibility and tax deferrals.

Before deciding on a variable annuity, investors do need to keep in mind that there are costs associated with these annuities which can be upwards of 3%. You'll want to make sure that you understand both the costs and benefits before choosing variable annuities as a way to invest. - 23199

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4X Pip Snager Review - Forex Trade Robot

By William Barnes

The Forex currency trading system called 4X Pip Snager contains 2 separate systems - the swing trading and intraday system. They are both manual trading methods that have proven to get results fast for beginners and experienced traders alike. The guide will teach you how to open trading positions manually and set the appropriate take profit and stop loss goals using a set of mechanical and effective indicators and rules.

What is the Forex 4x Pip Snager Intraday System All About? This is one of the 2 main systems inside the package, and mainly works by finding price trend swings on a short time scale chart such as the 5 minute chart. I find this method to be quite interesting and effective with a favorable risk reward ratio.

The take profit levels are usually set at 50 to 100 pips, with stop losses set at about half of the take profit levels. Even though this is a short term trading strategy, its long term results have been pretty consistent and profitable, making winning trades in more than 85% of the time.

How Does the Forex 4 Pip Snager Scalping System Work? The other system is based on the strategies of scalping, and you can see it being demonstrated live on the main website. The mechanical analysis steps allow traders to find profitable trade signals and then to exit the trade with a profit or to cut losses. It works on an even shorter time frame, the 1 minute chart, and makes an average of 20 - 30 pips.

Are the 4X Pip Snager Manual Systems Right For You? If you need a manual trading system that makes consistent pips every month, this is definitely a Forex system that you will want to find out more about. - 23199

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Getting the Price Right for Success in Real Estate Sales

By Jason Myers

Real estate investing normally entails marketing at some point. This cost setting is what will determine how quickly the house will sell. But how do you get this cost correctly?

For a lot of home sellers, enlisting of the correct cost is based on how much they believe the house is worth. But as it has been determined with this method, the odds of getting it right are slim to zero. Sure, the laws of probability guarantee you a chance in getting it right by sheer approximation but that almost never happens.

For the greatest deal, you need to do a single thing, and that is a home inspection. You must hire an expert to make the value estimate of the house and provide details to you with it. That will offer you the margin of costing the home. These people are very accurate in their dealings and with all considerations being made, as with the current trends in the real estate market, they will offer you a nearly precise figure of just how much your house is valued inside and out.

There are a number of situations wherein you might not be happy with the figure, but you are more than welcome to make enhancements that will increase the amount to a higher number that you can be comfortable with. You can invest in remodeling the home, redoing the paint jobs and replacing a thing or two, up to the time you feel like the overall cost has increased.

The second thing you can do is to wait until the home selling season comes around, but with the irregular financial rotations, you would not be assured of that really occurring.

When selling your house, you must not even consider competing with foreclosed homes since their prices are way lower and attempts to match them would just result in loss. - 23199

About the Author:

As the housing crisis bottoms we'll have plenty of one in a lifetime real estate investing opportunities. You may also want to read our articles about home refinancing so you'll have funds to invest!

Win/Win Investments Using Owner Financing

By Samantha Preston

Owner financing occurs when the owner of a property is willing to hold a note on a piece of Charlotte investment property that he/she wants to sell. The financing can be for the price of the property in full or a part of it. This is based on the need of the buyer. In the normal course, most sellers would not like to carry a mortgage. But the eagerness to sell the property without much delay as well as preventing a fall in property value often compels sellers to offer owner financing to lure customers.

There is no rule or restriction that owner financing be limited only to traditional residential Charlotte investment property. Indeed, a vast host of property types including land and real estate, commercial property and what have you. Some of the conditions under which owner financing may be concerned include situations when the property is not moving fast in the market or if it is in a rather dilapidated condition. Owner financing is the process where the owner extends credit to the buyer without the intervention or involvement of banks or financial institutions. It has been observed empirically that owner financing is more common among investors as compared to homeowners.

Owner financing means structured deals that are beneficial to both the seller as well as the buyer. It also helps in generating steady cash flow for the seller. The seller acts as the bank or the financing authority with the buyer paying the amount owed over a period of time and in installments as specified in the terms of the agreement signed by the seller and the buyer purchasing the Charlotte investment property. The option to take big or small down payments is vested with the seller, which the buyer needs to comply with.

When it comes to owner financing, the seller generally asks for a higher down payment than mortgage lenders. However, the interest rate would be lower than what a traditional lender would charge on typical Charlotte investment property, where owner financing would come from an entrepreneur's savings.

Interest rates on Charlotte investment property are variable, based upon the Prime rate, with spreads set by financial institutions. Typical spreads are 1.50% to 2.50% over prime, with lower rates to investors with stronger historic debt service coverage. Interest rates of these institutions vary. For getting lower rate, some research work becomes inevitable. Owner financing eliminates this research, as most sellers will agree to a percentage point or more below prime, with a few cases setting up zero interest financing.

If you want to sell off your investment fast and also get a high rate for it, it makes sense to offer owner financing. You may also be able to get first mover advantage and better prices as owner financing makes your Charlotte investment property much more attractive to prospective buyers. At the same time, it could also mean that your property is one of the first ones to get sold in the local property market. All of which makes owner financing a very advisable and popular proposition in times like these. - 23199

About the Author:

Samantha Preston is a real estate investor who enjoys Charlotte investment properties. Her specialty is real estate in Charlotte, NC.