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The ABC's of home buying, applying for a mortgage, and refinancing weren't taught in school. Learn from a real estate and mortgage insider about buying a house, how to get a mortgage and refinance strategies. Tue, 15 Sep 2009 08:43:28 -0500 http://BestEzines.com/?Prime-Real-Estate-Article-Announcements&id=16843 http://BestEzines.com/?Prime-Real-Estate-Article-Announcements&id=16843 The Betterways To Financial Freedom Newsletter is a monthly newsletter that discusses the various concepts and vehicles for achieving financial freedom. Since we utilize almost all of these concepts and vehicles ourselves, you will also hear about what's new, what we are doing, and how it is working for us. Subscribe today and get your free e-book, "How to Become Financially Free - Working Only A Few Hours A Week... And Live Anywhere In The World" which also includes our popular report, "How I Bought A Brand New Car For Free". 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Contact us today Fri, 27 Feb 2009 10:07:11 -0600 http://BestEzines.com/?How-To-Get-Your-Credit-Repaired---For-Real!&id=14377 http://BestEzines.com/?How-To-Get-Your-Credit-Repaired---For-Real!&id=14377 Become a member of the Successful Trading Club and receive the Insider's Guide to Foreign Exchange Trading Course absolutely free. Also, as a member, you will receive insider's info about the latest news, tips, strategies, books, software, and everything you need to make of your foreign exchange trading a successful experience. Join now! Wed, 25 Feb 2009 09:57:06 -0600 http://BestEzines.com/?Successful-Trading-Club&id=14328 http://BestEzines.com/?Successful-Trading-Club&id=14328 Market Trader is a free Stock Trading Ezine that provides a variety of information, tips and resources to help beginning through intermediate stock traders and investors. 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Fri, 30 Jan 2009 13:23:46 -0600 http://BestEzines.com/?Weekly-Wealth-Letter&id=13601 http://BestEzines.com/?Weekly-Wealth-Letter&id=13601 Money tips and strategies that give you a whole new way of looking at every area of personal finance, so the decisions you make on a day-to-day basis suport wealth creation and lifetime financial security. Thu, 04 Dec 2008 11:14:42 -0600 http://BestEzines.com/?The-MoneyMinding-Messenger&id=12851 http://BestEzines.com/?The-MoneyMinding-Messenger&id=12851 Two new articles a month on effective ways to market and develop your real estate business. Mon, 10 Nov 2008 13:08:49 -0600 http://BestEzines.com/?Real-Estate-Marketing-Blog&id=12614 http://BestEzines.com/?Real-Estate-Marketing-Blog&id=12614 The Faithful Steward is a monthly newsletter full of financial tips, articles and other resources designed to empower you to live the debt free and prosperous life you were born to live. Tue, 28 Oct 2008 09:55:08 -0500 http://BestEzines.com/?The-Faithful-Steward&id=12472 http://BestEzines.com/?The-Faithful-Steward&id=12472 Each Tuesday Paul Forchione publishes his free Weekly Options Trading Report and gives you options trades based on measurable market criteria to help you exploit current market conditions in futures, index and commodities markets. Additionally, the last five (5) issues of Paul's Weekly Options Trading Report are always available for reading and analysis. This e-zine offers a wealth of valuable educational information to options traders. Mon, 15 Sep 2008 13:02:51 -0500 http://BestEzines.com/?Paul-Forchiones-Weekly-Options-Trading-Report&id=11996 http://BestEzines.com/?Paul-Forchiones-Weekly-Options-Trading-Report&id=11996 Each Month the Ezine will contain: Great money saving coupons for you to download and save on your weekly grocery bill. This could mount up to some big savings over the year. A great new frugal recipe for you to try each month. Money advice that will keep you ahead of the game and help you to manage your money wisely. Helpful frugal tips from the fugal living community. Theres no one who knows how to live well on a budget better. As well as competitions and whats new on the frugal living tips web site. Wed, 20 Aug 2008 14:40:06 -0500 http://BestEzines.com/?Frugal-Living-Tips&id=11468 http://BestEzines.com/?Frugal-Living-Tips&id=11468 A holistic look at your finances that include your values and empowers you to invest for the future. Wed, 20 Aug 2008 13:25:30 -0500 http://BestEzines.com/?Whole-Hearted-Way&id=10899 http://BestEzines.com/?Whole-Hearted-Way&id=10899 Every genuine stock trader I have encountered so far in my almost ten years of stock trading and analyzing of stocks all have one common denominator; they all believe that everything is possible in the capital market. The mindset of a stock trader is a comprehensive description of the mindset, thought pattern, believes, heart beat, and approach to stock investments. The traditional stocks investor is averse to taking risk, plays safe, takes his time, is not knowledgeable of the undercurrents of equity investments, he is grossly ignorant of the dos and don'ts of stocks investment, he is a passive player in the very active terrain of the capital market. No wonder they make just 10% of the over 12 trillion naira that exchange hands daily in the capital market and they constitute about 90% of investors that lay claim to owning shares of companies. Stock traders smile to the bank everyday with about 90% of the over 12 trillion naira that actively is changing hands in the capital market, they make just 10% of investors in the Nigerian Stocks Exchange. Stock trader as the name implies buys and sells stocks; the emphasis is on the word ...TRADE... there is a constant exchange of stocks for money, it is his trade-mark. 1. HE IS INTERESTED IN HIGH LIQUIDITY STOCKS If you take a close look at the daily, weekly and monthly trading, you will observe that it is the sector leaders that lead in volume of trade, they are the ones that command more patronage, their daily trade volumes is in millions. Now, this is very important to the stock trader for the sake of effective and unhindered trading. Let me describe how this mindset works. High liquidity means high trade volume; stock traders Focuses on high volume stocks, therefore, he knows it is dangerous to buy into a company that does low trading volume, why? because when he wants to sell, it will be difficult to do so. 2. HE CONSISTENTLY LOOKS FOR OPPORTUNITIES OF HOT STOCKS TO INVEST IN The capital market is a beehive of investment opportunities for all investors to make fabulous returns. These opportunities come in different shape and sizes; also they come in different colorations, but it is the seasoned stock trader that is able to grasp them because he consistently looks out for them. The stock trader knows the addresses of where to locate these openings, He goes to investment columns in daily newspapers, in investment newspapers, stock investment programs in Radio and Television, at seminar venues and stock investment websites. 3. CONSISTENTLY EDUCATES HIMSELF. Equity investment education is paramount to the stock trader, He knows acquiring stock trading understanding is non negotiable, he knows the knowledge of yesterday at best is good enough for today but certainly not for tomorrow. You will always find him at seminar grounds both paid and free, most stock traders do subscribe to top stocks newspapers, they are on the list of first class stock investment newsletters of stock trading related websites on the internet. 4. HE IS ACTIVELY INVOLVED IN STOCK TRADING Stocks' trading is a full-time vocation, so important that it cannot be left completely in the hands of a stock broker, which in my considered and humble opinion can be detrimental to your investment health. Therefore, by the foregoing, the stocks trader is actively engaged in trading, it his passion, he derives a thrill from trading in hot stocks that sees him growing his portfolio to enviable heights. Conclusive, it pays to cultivate the mindset of a stock trader. All over the world, the best performers in equity investment have been known to be stock traders. You now have their secrets at the tip of your fingers, what are you going to do with it?. Tue, 19 Aug 2008 15:52:28 -0500 http://BestEzines.com/?The-Stock-Traders-Mindset-pt-2&id=10711 http://BestEzines.com/?The-Stock-Traders-Mindset-pt-2&id=10711 Every genuine stock trader I have encountered so far in my almost ten years of stocks trading and analyzing stocks all have one common denominator; they all believe that everything is possible in the capital market. The mind-set of a stock trader is a comprehensive description of the psychology, thought pattern, believes, heart beat, and approach to stock trading. The traditional stock's investor is averse to taking risk, plays safe, takes his time, is not knowledgeable of the undercurrents of equity investments, he is grossly ignorant of the dos and don'ts of stocks investment, he is a passive player in the very active terrain of the capital market. No wonder they make just 10% of the over 12 trillion naira that exchange hands daily in the Nigerian capital market and they constitute about 90% of investors that lay claim to owning shares of companies. WHO IS A STOCK TRADER? The 21st century definition of a stocks' trader is very interesting. The term trading which simply means ...to buy and sell... will give the impression that stocks' trading connotes having the knowledge of buying a ware from the trader or wholesaler next shop and looking for a customer to sell to. In theory it makes sense, but it is not a practical reality. A stock trader is one who buys and sells shares of companies at the Nigerian Stock Exchange with the active assistance of a registered stockbroker since an individual cannot do business direct with Nigerian Stock Exchange. A second definition of a stock trader can be understood from the services rendered by accredited stockbrokers at the floor of The Nigerian Stock Exchange. Every day from Monday to Friday 9.30am to 12.30pm. They do their business via computers wired to the extensions of the Central Security Clearing System Ltd. 1. HE TRADES FOR CAPITAL APPRECIATION Every stock trader I know is profit conscious, which is his primary motivation for investing. So he seeks stocks that have high capital appreciation potential (the difference between purchased price and sold price) to buy and waits for the right time to sell. 2. HE IS INTERESTED IN BUYING AND SELLING STOCKS REGULARLY AND NOT TO KEEP THEM The average and active stock trader is interested in buying and selling stocks and not to keep them. Unlike a long term trader that can afford to keep purchased shares for a pretty long time. The stock trader gets his thrills from trading stocks frequently, He thinks turnover. 3. HE POSITIONS HIMSELF EITHER FOR DIVIDEND OR BONUS IN THE SAME SENSE AS IN CAPITAL APPRECIATION A long term investor places high premium on dividends and bonus scrip over a long period because it increases the size of his portfolio, he buys into a company, receives either dividends and bonus or both and keeps it. But the stock trader on the other hand loves bonus and dividend because on the short run will increase his portfolio, when a stock trader picks out a company that will give dividends and/or bonus he buys into it, after closure of registrar and subsequently, after payment dates sells such a stock and looks for other opportunity else where. 4. HE IS READY TO TAKE CALCULATED RISK One of the major reason many investors miss out on extraordinary opportunities that readily makes themselves available every now and then is because of the fear of taking risk. The vast majority of investors in the capital market are averse to risk taking because of what I call investment ignorance. The seasoned stock trader understands, that in the capital market the higher the risk the higher the returns, therefore he spends time to invest in himself by attending seminars , reading stocks investment books, investing in audio and video CDs, visits the internet frequently to be abreast with current trends; the stocks trader understand that through knowledge risk can reduced to the barest minimum. Every stock trader knows that stocks' trading is serious business, one needs to be abreast with the undercurrents skills of stock trading, he does not hinge his trading on assumption or feeble speculation; he is constantly researching the behavioral business pattern, history, events, news that makes the round, all of these is to ensure that he stays current with developments in the stocks market. (This is The first Part Of This Report). Understanding the mind set of a stocks trader puts you easily into platform of men who by virtue of their investment style are very active, they derive their thrills from been active and mobile in the capital market. Tue, 19 Aug 2008 15:49:09 -0500 http://BestEzines.com/?The-Stock-traders-Mindset-pt-1&id=10710 http://BestEzines.com/?The-Stock-traders-Mindset-pt-1&id=10710 Every investor like a seasoned fisherman must be abreast with sound foundational understanding of the undercurrent behavioral patterns of stocks investment. These winning strategies when fully understood can swell up your bank accounts beyond your wildest imagination. 8. If you are a short term investor ...That is an investor that trades for capital appreciation. Monitor closely the closure of registrar, because it will guide you as to when to sell. On the other hand, if you are a long term investor, that's you are interested in capital appreciation, dividends and bonus payouts over the long term, then closure of registrar guides you to hold on to your shares and possibly buy more incase you don't have shares in identified companies. Don't buy a stock after closure of registrar. 9. Make it a habit of attending seminars on stock investment, buy materials such as manuals, audio and video cds, investment books, to enhance your knowledge about investing, investment newspapers such as Success Digest Extra, Stockwatch, Financial Standards, Moneywise, will be very helpful ultimately. 10. Know how to apply the principle of earnings per share. Because it shows you clearly under priced and overpriced stocks in the market. It is arrived at simply by dividing the profit after tax of a company by the outstanding number of shares. For instance if the P.A.T of Efetobor International Plc is $20,000,000 and the outstanding number of shares is 1,000,000. Formula therefore, will be $20,000,000 divide by 1,000,000 units of shares =20. Note EPS is calculated in tens. 11. Apply the principle of diversification, by spreading your investments into different sectors, and also mixing your portfolio with both penny stocks ... undervalued.., growth and blue chips stocks. Apply the principle of B.R.E. buying time, resting time and exit time to all your investments. Know when to buy, when to rest and when to sell. 12. Have a personal relationship with your stockbroker, appreciate him, buy gifts for him; this will endear you to his heart, because you need him to facilitate your trade. 13. Know how to apply the principle of Per Earning to Ratio. Because it shows you cheap or under priced stocks. It is arrived at by dividing the earning per share by the current price of a share. For instance the earning per share of Efetobor International Plc is 20 and the current price of its share is $60:00. Formula is 20 divide by $60:00 = 3 therefore, the P/E ratio is 3. 14. Apply the principle of quarterly and yearly reports. Your ability to read between the balance sheet and released audited financial reports of companies is very vital to reaping huge profits in the stock market. You will be able to know companies that have performed well on the basis of the details released. For instance profit before tax , profit after tax , earnings per share which determine dividends that shall be paid to share holders. The performance of a company in these areas and other important areas that space will not permit me to attend to here is a pointer to the stocks you should pitch your tent with. Tue, 19 Aug 2008 15:53:15 -0500 http://BestEzines.com/?Stock-Trading--Winning-Strategies-pt-2&id=10713 http://BestEzines.com/?Stock-Trading--Winning-Strategies-pt-2&id=10713 Every investor like a seasoned fisherman must be abreast with sound foundational understanding of the undercurrent behavioral patterns of stocks investment. These winning strategies when fully understood can swell up your bank accounts beyond your wildest imagination. 1. Invest when a company is coming out for private placement. At this stage only very privilege few know about the company and the price of the offer will be ridiculously cheap. You know after the closure of offer you will get your share certificate quickly unlike public offers that can take as long as 8-10 months for you to get your share certificate. By the time the company comes to secondary market [floor] the shares will be in few hands, more people will be chasing the shares, thereby driving up the price. 2. Invest when the company is about to be taken over, for instance, If the Federal government is about selling its shares in a company to a core investor and also to the general public. In other words they are relinquishing their equities or holdings in such companies e.g. When National Salt was sold to Dangote group. 3. Invest when core investors are investing in a company. Core investors either local or international are strategic investors or fund managers with large pool of cash that they ingest into a company, the large pool of cash will energize the company to make huge profits for investors. You must investigate the caliber of people running this firm, their performability and competence before investing along side with them. 4. Invest during Initial public Offerings. This is when a company is coming out for the first time to raise money for business expansion e.g. Dangote Sugar refinery. It made over 300 % profits for investors that pitched tent with them. 5. Invest in an existing company shares on the floor just before they come for public offering. If the company is planning to come out for public offering and has strong fundamentals, rumours will drive the price up, and subsequently, when the technical suspension of the company is lifted, the price usually rally up to make huge profits for investors. 6. Invest in Penny stocks that have good technical and fundamental strengths. Penny stocks are low priced stocks in various sectors of the market. On a good season [bullish season] can make between 200% - 1000% for an investor. Look for penny stocks that have good earning per share and it's per earning to ratio is comparatively low and buy large volumes since they are cheap, you're certain to make a kill. 7. Invest when prices of shares are low and down generally. During bearish periods, people do panic selling, that is when stocks that are usually scarce during bullish periods are cheaply available. Understand that every stocks has it's high and low periods, for instance A.G Leventis usually dips to a low point every November - December, that is a good time to buy. Mastering stock trading winning strategies is vitally critical to your ability to post awesome profits in stock trading pursuit. Tue, 19 Aug 2008 15:52:47 -0500 http://BestEzines.com/?Stock-Trading--Winning-Strategies-pt-1&id=10712 http://BestEzines.com/?Stock-Trading--Winning-Strategies-pt-1&id=10712 The basic ABC formula is a strategy I consider very vital and fundamental to stocks analysis, this is because without it, you cannot have a full grasp of what the capital market is all about. Stocks trading can be such an interesting endeavor if you can apply yourself to practical and common sense thinking. As I write this article, there are about 265 companies listed on the floor of the Nigerian Stocks Exchange. These companies are further sub-listed into 33 sub sectors. Companies are sub-listed according to the services and products they offer. All this information's are very important when it comes to stocks analysis. The first thing you have to take into consideration is to take a close look at all the 265 companies one after the other, seven vital research you must carry out includes 1. Find out what each company is doing. 2. Find out what period of the year each company will be most favored to do more business. 3. Find out sector leaders amongst the companies in every sector. 4. Find out what each sector is all about. 5. Find out which company commands the highest trade volume in each sector per time and why? 6. Find out the job descriptions of each sector. 7. Find out for instance if Government pumps money into a sector, which company will profit more. Let's take a closer look at these points: 1. Find out what each company is doing: Is it not surprising that people invest into a company without having a clue to what such a company is involved in terms of company location, what business they are involved in. In stocks analysis, this knowledge is very critical. 2. Find out what period of the year each company will be most favored to do more business. Most companies in the Nigerian Stocks Exchange do more business during specific periods of the year or are affected by certain seasonal events e.g. a sub sector like Building materials and construction will be most impacted during a period a heavy construction project like when the National Stadium was constructed in Abuja a few years ago. 3. Find out sector leaders amongst the companies in every sector. Do you know that in every sub sector, there are companies that enjoy more patronage in terms of business because of their leadership position e.g. in Agriculture sub sector Okomu Oil and Presco. 4. Find out what each sector is all about. The Nigerian Stock Exchange is sub listed into 33 sub sectors for clarity purpose, otherwise there will be conflict of business. You must understand what each sector is involved in, in terms of their business description, why? As you keep tabs on economic, social, religious, cultural and sporting events as to when they come up, you will easily decipher which sub sector and of course which particular company will benefit more from such events so that you can take position way ahead of others for you to maximize profits. 5. Find out which company commands the highest trade volume in each sector per time and why? If you take a close look at the daily trading patterns of the Nigerian Stock Exchange, you will observe that there are some companies that command superior volume of trade consistently over others. As an analyst, it is your duty to closely monitor these companies. 6. Find out the job descriptions of each sector. It is the responsibility of any stocks analyst to find out the production description of every company that is quoted on the exchange, in other words, it will be to your advantage talking about making millions from trading in stocks if you can take time to dig into the nature and scope of companies, especially the ones you have taking particular interest in. Why do you need to do that? When an opportunity that you would ordinarily ignore knocks, you can easily apply it to the companies that it concerns because of the timeless knowledge of the job description understanding you already have. 7. Find out for instance if Government pumps money into a sector, which company will profit more. From time to time Government releases funds to different sectors, from experience I know that there are some company that profit more; find them out. Stock analysis skills is like a master key, when you are in possession of it, you have the confidence that can access all doors in the capital market as far as stock pick is concerned. Tue, 19 Aug 2008 15:57:58 -0500 http://BestEzines.com/?Stock-Analysis-Skills--Basic-abc-Formula&id=10718 http://BestEzines.com/?Stock-Analysis-Skills--Basic-abc-Formula&id=10718 Every stock trader in the marketplace globally that I know, they all have just one objective- to make money. However, very few people are able to sucessfully make money in the long run. When the market is rallying up, almost every dick and harry makes money trading stocks. However when push comes to shove during the bearish season; they take along with them almost all the profits of unsuspecting investors. Stock analysis is an art that requires skills . If a stock trader is not watching his emotional attachment to certain stocks, he'll definitely get his fingers, if not his life burnt. To avoid such mishaps, it is important that he imbibes every analyzing tools that are vitally necessary for his success. well in the art of analyzing and picking profitable stocks, one does not need a Harvard or Cambridge ability or knowledge to do well, all you need is four simple tools, what'll be extensively explained in other parts of subsequent articles of this series, What the average prospective stock investor needs are 1. Common sense 2. A good sense of history 3. A good sense of arithmetic... arithmetic is the branch of mathematics that deals with subtraction and addition. 4. Sound trading skills. How can one know which stocks will make profits in the stock market? How can you be sure that the stocks you are investing your money into will not burn your fingers? Such questions are tough to answer if you don't know your way through the uncertain road of stock's investment. To be at home with analyzing hot stocks that can crank fortunes into your bank account, you must be able to cultivate the ability to think straight; you must be diciplined when it comes to controlling your emotions, as a stock analyst of almost ten years standing, I've seen men destroyed because they couldn't seperate their feelings from the reality that was starring them in the face. Stocks analyzing discipline can be achieved with strict money management discipline. Every investor must be able to acquaint himself with basic stock analyzing tools like common sense, which enables you to be able to think rationally. This is intended to open the eyes of the investor to objective analysis to show him how to identify stocks for trading. How to subtract falsehood in terms of companies that don't have strong fundamentals and add up sound facts based on sound technical and fundamental realities, When an investor is not familiar with the performance of companies in the previous years, he can fall into the trap of repeating a sad history of loses. A good sense of past performance can save a stock trader from basing their investment on guesswork or flimsy rumours that holds no water. Stocks' trading is believed to be risky by certain category of investors and such people are intimidated to go into trading, Risk no matter how risky it is, can be reduced to the barest minimum by knowledge, a sound knowledge of the dynamics of equity investment will be of life help to you ultimately. You must understand that it is investor's sentiment that drives the prices of stocks. Your ability to know what is responsible for these sentiments, why investors respond to certain stocks the way they do is very critical to your analyzing skills. Tue, 19 Aug 2008 15:57:28 -0500 http://BestEzines.com/?Stock-Analysis-Skills--Introduction&id=10717 http://BestEzines.com/?Stock-Analysis-Skills--Introduction&id=10717 In this article I am going to give you vital lessons on stock trading, but I must warn you though, this is for serious minded people that want to have access to fortunes in the stock's market. If you're at all inexperienced at this sort of thing, you will probably find this website most refreshing and rewarding, happy reading. Stock trading is an aspect of stock investment which in my belief has been greatly overlooked, undermined and misunderstood. The reasons are not farfetched; I'll get to that in a moment but first let's attempt to throw light to this "well of gold". I want to show you what you may be missing by not been actively involved in stock trading with statistics that may stagger your ignorance. Do you know? 1. That the Value of the Nigerian capital Market is well over N12 trillion. 2. That the current (2008) budget of the Federal Republic of Nigeria is less than N3 trillion. 3. By implication, the Nigerian Capital Market...NSE... is Four times the size of what Nigeria thrives on yearly. 4. That Nigerian Stocks Market is ranked as one of the highest stock market with the highest returns on investment worldwide. 5. That only 10% of active investors make over 90%... N9.18 trillion... of the N12 trillion that exchange hands daily. 6. That the Nigeria Stock Market holds the greatest opportunity for every Nigerian residing in the country and in the Diaspora to create wealth. 7. These 10% active investors are stock traders. If you want to get on the train of stock trading, there are some basics you have to grapple with in order for you to perform excellently. SECONDARY MARKET There are two markets where investors do business in the capital market, namely primary and secondary market. The vast majority of stock investors (90%) do their business in the primary market, why? Basically because it is an all comers market, there are no restrictions since you can do business without necessarily depending on the famed stockbrokers. At the primary market you can easily buy shares across the counter, all you need to do is pick up a form, fill your data into it and pronto you are done, in another word, some level of ignorance of how the system works can be tolerated, but not so with the secondary market, it is highly regulated by the stakeholders of the Capital market which include The Nigerian Stock Exchange, Security and Exchange Commission and Central Security Clearing System Ltd. TRADING ACCOUNT For starters, you need a stock trading account with the CSCS Ltd to enable you trade at the floor of the exchange; this can be easily facilitated by a currently registered stock broking firm, Trading in the secondary market is done via stock brokers. You are charged commissions for every buy and sell that is done on their behalf. A CURRENT ACCOUNT WITH ANY BANK A current account to facilitate your trading, when sales is made in your favour, you need a current account where you can easily pay your crossed checks into, unlike savings account that is not designed to accommodate checks. A DOMICILIARY ACCOUNT FOR NIGERIANS IN DIASPORA For Nigerians who resides abroad who are interested trading in the capital market, they can also actively participate. A domiciliary account can be processed for them where deposit of sales can facilitated for them; also, this account enables them to transfer money to Nigeria easily for trading purposes. My organization WINNING ATTITTUDE WEALTH IDEAS ENT as part of our array of investment services handles stock portfolios for Nigerian investors living abroad. You can have access to other informative and impactful articles at my website. Tue, 19 Aug 2008 15:57:02 -0500 http://BestEzines.com/?Stock-Trading-Basics-(Nigerian-Perspective)&id=10716 http://BestEzines.com/?Stock-Trading-Basics-(Nigerian-Perspective)&id=10716 Every field of human endeavor have its own terminology that is associated with it, the stock market is no exemption. Therefore this article seeks to make you get familiar with some of the day to day terms of stock trading. a. Share. Describes the total share holding of a company divided into bits or slices to be purchased by institutions or individuals. b. Securities. The unit shares you hold are well protected to the extent you invested by the regulatory authorities. Once a share is created, it cannot be destroyed, stolen, and can only be transferred. c. Equity. Means the distribution and sales of shares are equitably done i.e. once a price is fixed; it remains the same for everybody irrespective of where you live unlike property investment whose prices are affected by location. d. Stocks. Describes the total volume of shares held by the individual in company. e. Rally. Means simply that the stock market goes up from whatever point it stood at when the rally started. f. Blue Chips. Describes solid, quality stocks on the stock exchange e.g. Nestle, First Bank, Cadbury, Nigerian Breweries, Zenith Bank. The term is derived from the blue chip used in gambling especially in poker, which has the highest value. g. Correction. When the market has moved rapidly in one direction, then changes (usually not so rapidly) in the other direction. h. Long pull. How high an investor thinks a stock price will go before they sell. i. Pull back. When the price rise reaches its peak, slows and then stops and begin to decline or fall back, people begin to sell at this point. j. Bottom out. When the price has gone as low as it can, investors begin to buy again. k. Liquidity. When we talk about liquidity on a stock exchange, we are talking about how easily and quickly a company shares can be converted to cash. If it is very liquid, it means is easy to trade in the shares. l. Bull trend. Upward move or trend. It means the market is going up and is doing well, as reflected in share prices. n. Bullish. Investor who believes that the market prices are going to go up. o. Bearish. Investor who believes that the market prices are going to go down. p. Stag. Investor who wants to make profits from new issues of shares. He buys the shares before they are listed. Then sells them at a higher price soon after they are listed. q. Automated Trading. Is when the buying and selling of shares is done on a computer? dealers enter buy and sell orders for shares into an electronic trading system on a computer. The computer automatically does a transaction with the best selling and buying prices. r. Brokers Contract Note. The broker's contract note is very important. It shows everything about the deal that the stockbroker has done for you. It tells you how much you have to pay the stockbroker for the shares he has bought for you. If you have sold shares it tells you how much you will receive for the sale of your shares. s. Certificate of Stockholding. Shows how many shares you own. It is a very important document. You must keep it safe place. t. Capital Market. Refers to the Stock market, it is a platform for raising money or capital from the investing public to meet company's financial needs. u. Money Market. Refers to Banks and other financial institutions that offer loans investment opportunities and capital for businesses. Getting familiar with stock trading terms is an invaluable asset to any investor worth its salt. Don't disregard it, it could make the difference in your investing career. Tue, 19 Aug 2008 15:56:25 -0500 http://BestEzines.com/?Stock-Trading-terms-You-Must-be-Familiar-With&id=10715 http://BestEzines.com/?Stock-Trading-terms-You-Must-be-Familiar-With&id=10715 Mistakes are great learning tools of life; we learn and grow by mistakes. Some of the aspects of life you have mastered today are accumulations of mistakes that you did not give up on, but do you know that one mistake in stock trading action or decision can be disastrous, it can incapacitate your portfolio and therefore it is very important you understand how to avoid these stock trading mistakes. Lets get started shall we? 1. Overdependence on Stockbrokers Stockbrokers are a fantastic bunch of people; a good stock broking firm would be one that has a sound research department. Your stock broking firm is supposed to be your backbone in terms of stocks picks, but these days stock broking firms have abdicated this very important responsibility for personal gains. Therefore, you must take responsibility for decisions bordering on stock picks, when to buy and when to sell. 2. Depending on hype to buy a stock Many stock investment journalists are bias in their write up concerning certain stocks in the capital market. They do this either because they have vested interest in such stocks or they are sponsored to write sensational articles in their columns in order to create artificial interest about a stock, therefore endeavor to carry out your research employing sound analyzing tools that are readily available to you on different platforms both online and offline. 3. Overdependence on overzealous share analyst Once every now and then, you get compelling tips from your share analyst about a hot stock that has a sure fire prospect, ensure you do your own thorough investigation about that hot sure fire stock before calling your broker to buy; otherwise you will be courting trouble with eye open. No matter how hot a stock is; common sense reasoning should warn you to cross check your tip by considering information from several reliable sources. 4. Buying a rising stock without knowing the reason behind the rallying up There are some investors that form the habit of watching daily trading activities in the pages of investment newspapers, observing stocks whose prices tends to be rising steadily, they get excited and take position by buying into such equities without knowing the force responsible for the upward pull. Understand that there are many reason why the price of a stock will rally up, ultimately there is a peak point where there will be a reversal of the price, if you don't understand it, it could be disastrous avoid it; you could end up in a mess. Information is key when it comes to making awesome profits from the stock market, get practical, workable and sound information concerning every stock you are interested in. Weigh each stock in their own strength; it's not a difficult task if you know how to apply basic stock trading skills. Tue, 19 Aug 2008 15:53:42 -0500 http://BestEzines.com/?Stock-Trading--4-disastrous-mistakes-to-avoid&id=10714 http://BestEzines.com/?Stock-Trading--4-disastrous-mistakes-to-avoid&id=10714 The primary motivation at the back of every investors mind for buying any stock is profit, whether you choose to sell immediately or wait for a longer time before you sell to access your profit is a matter of choice, a decision I think you should take responsibility for instead of leaving it in the hands of your broker. There are clues ever present in the capital market that tell you when to sell your stock, when fully understood can save you from loses and can also make you get the benefits for which sake you invested your money in the first place. You have to constantly be on the look out for these red flags or signs that remind you it is high time you bail out of certain stocks in your portfolio. Let's get you started, shall we! SELL WHEN YOU REACH YOUR TARGET PRICE Before you buy any stock, you must settle in your mind by reason of sound facts available to you a target price that you intend to sell your stock for an appreciable return. When you reach your projected price, once you reach your objective that is the best and most reliable time to sell. SELL WHEN YOU OBSERVE FUNDAMENTAL CHANGES Changes that affect the fundamentals of a company must be taken very seriously. When you observe that the fundamental of a company is weakening or depreciating in terms of profit capacity, when a company profit potential has reached its peak and it starts declining is time to consider offloading your shares in such a company. SELL AFTER THE CLOSURE OF REGISTRAR If you are a stock trader, one who buys and sells stock actively in short durations; you might consider selling after the closure of registrar. If your goal of dividends and possibly bonus scrip in a company has been achieved, in other words, you bought into a stock because you want to avail yourself of the dividends and possibly bonus, after closure date of registrar is a good time to sell, because other stock traders like you will also be selling which can cause the price of the stock to rally down. The bottom line of stocks trading is acquainting you with the appropriate time to buy a stock and the most suited time to sell, that in my humble opinion is the crux of stocks trading. Stock Trading- Red Flags To Look Out For Before You Sell The primary motivation at the back of every investors mind for buying any stock is profit, whether you choose to sell immediately or wait for a longer time before you sell to access your profit is a matter of choice, a decision I think you should take responsibility for instead of leaving it in the hands of your broker. There are clues ever present in the capital market that tell you when to sell your stock, when fully understood can save you from loses and can also make you get the benefits for which sake you invested your money in the first place. You have to constantly be on the look out for these red flags or signs that remind you it is high time you bail out of certain stocks in your portfolio. Let's get you started, shall we! SELL WHEN YOU REACH YOUR TARGET PRICE Before you buy any stock, you must settle in your mind by reason of sound facts available to you a target price that you intend to sell your stock for an appreciable return. When you reach your projected price, once you reach your objective that is the best and most reliable time to sell. SELL WHEN YOU OBSERVE FUNDAMENTAL CHANGES Changes that affect the fundamentals of a company must be taken very seriously. When you observe that the fundamental of a company is weakening or depreciating in terms of profit capacity, when a company profit potential has reached its peak and it starts declining is time to consider offloading your shares in such a company. SELL AFTER THE CLOSURE OF REGISTRAR If you are a stock trader, one who buys and sells stock actively in short durations; you might consider selling after the closure of registrar. If your goal of dividends and possibly bonus scrip in a company has been achieved, in other words, you bought into a stock because you want to avail yourself of the dividends and possibly bonus, after closure date of registrar is a good time to sell, because other stock traders like you will also be selling which can cause the price of the stock to rally down. The bottom line of stocks trading is acquainting you with the appropriate time to buy a stock and the most suited time to sell, that in my humble opinion is the crux of stocks trading. Tue, 19 Aug 2008 15:58:38 -0500 http://BestEzines.com/?Stock-Trading--Red-Flags-To-Look-Out-For-Before-You-Sell&id=10719 http://BestEzines.com/?Stock-Trading--Red-Flags-To-Look-Out-For-Before-You-Sell&id=10719 Real estate investing information for the true real estate entrepreneur... no opportunity seekers here. Written by real estate investors from around the country... no guru's allowed. The internet's most unbiased, honest, complete, and comprehensive real estate investing resource now has a newsletter to help new and experienced investors keep up to date on todays strategies, news, advice, and a whole lot more. Tue, 19 Aug 2008 15:41:37 -0500 http://BestEzines.com/?The-Real-Estate-Investors-Brain---Real-Estate-Investing-for-Real-Life&id=10673 http://BestEzines.com/?The-Real-Estate-Investors-Brain---Real-Estate-Investing-for-Real-Life&id=10673 This ezine is intended to help you develop your personal and professional skills. Through articles and practical advice on work and personal issues you can move yourself forward in your journey. Information on coaching, leadership, communication, teamwork and more! Tue, 19 Aug 2008 14:48:41 -0500 http://BestEzines.com/?How-to-Reach-Your-Next-Level&id=10553 http://BestEzines.com/?How-to-Reach-Your-Next-Level&id=10553 MONEY WHAT'S HAPPENING is a free monthly newsletter with all Australian content. Our articles are written by financial services sector professionals. MONEY.com.au aims to deliver informative, interesting and educational material to our subscribers. Recent popular articles have covered world oil pricing, coping with interest rate rises, investment portfolio management and the pros and cons of electing to self manage your superannuation. Tue, 19 Aug 2008 09:30:32 -0500 http://BestEzines.com/?Money-Whats-Happening&id=10363 http://BestEzines.com/?Money-Whats-Happening&id=10363 The SECRET of Options and Assignments Options and Assignments. In my opinion, the very best and most powerful way to control real estate is with an Assignable Option Agreement. When most people are asked, how do you control real estate and they all answer, to buy with a mortgage and own it. That is true, but that costs money and requires credit. What happens if you don't have money or don't want to spend it? The best way to control real estate is to have an Agreement of Option to buy it. 28,000 acres of land that is now Disney World was created years ago with the use of Option Agreements, lots of them. An Agreement of Option is as the name implies, the chance to own or to change your mind and not have it to be an obligation. Actually a standard Agreement of Sale and Purchase is a glorified Option Agreement and better yet with a written ability to assign it. Most all terms and conditions of any Agreement of Sale and Purchase are negotiable. The classic example would be to agree to buy a property that is in foreclosure we'll say the Buyer offers to initially buy for $75,000 with the final purchase price to be determined (doing a short sale and not yet sure of how much it can be negotiated for). The seller owes $150,000 and we give him refundable hand-money of $100 (seriously, no more, and many times $10). There is language included within the Agreement of Sale and Purchase regarding the short sale savings and the sale mechanics. We will begin to start negotiating a short sale with the lender(s) and creditors, and also will commence the marketing of the property to either retail or wholesale it. Exact forms and details are in our short sale package. Upon gaining a successful Buyer and short sale payoff, we will assign our contractual Option Agreement interests over to our Buyer(s) for an agreed upon assignment fee and they will complete the Purchase and Sale Agreement with the original Seller. Don't worry...the forms package and my assistance will guide you through it. To learn more about the amazing profits of options and assignments, please visit our website or contact us for more in depth information. Have questions...contact me. http://www.truthofrealestate.com/shortsale clint@truthofrealestate.com Fri, 15 Aug 2008 11:49:07 -0500 http://BestEzines.com/?The-Secret-of-Real-Estate-Options-and-Assignments&id=9924 http://BestEzines.com/?The-Secret-of-Real-Estate-Options-and-Assignments&id=9924 Getting a commercial loan for an apartment building is considered one of the easier loans to get with respect to other investment properties. This is due to the fact that commercial lenders focus primarily on the subject property as the repayment source with the borrower being a secondary repayment source. As apartment buildings have historically been a very stable asset class, they typically can get some of the best lending terms. Many property investors focus on single family homes, rather than apartment complexes, because it is often easier to manage. Financing can be difficult to obtain from the commercial lenders for single family homes, and it can be difficult to get the business off the ground. However, many investors recommend that when borrowing from commercial lenders, you take the focus off yourself, as it is with single family homes, and put it on the property, like an apartment building. Often, even with little capital, a loan will be approved, because of the high return on apartment buildings, and the low risk from defaulting on a commercial loan. Before you go out and try and purchase an apartment building, you should know what qualifies as an apartment building under commercial loan guidelines. One to four family dwellings are usually not considered commercial loans; this would include duplexes and fourplexes. However, if there are five or more units in the building, this would be considered a commercial loan. Apartment buildings can have tremendous profitability if managed correctly. For example, if you have a gross income of $100,000 from rental income on a building, and you deduct $60,000 for operating expenses and vacancies, you still come away with a $40,000 profit off of it. Dividing by a 7 percent cap rate, will give you an estimated value of the property, which would come close to $570,000. Often commercial lenders will look at statistics, like this, to determine the cash earning potential on apartment complexes. Naturally, it is not hard to see why these types of loans are approved so quickly and easily. Now, just because it can seem relatively easy to get a commercial loan for an apartment building, this does not mean you should not do your research. Going to a commercial lender with a detailed plan of action for the apartment building, along with your own cash projections, will make the process move much quicker. Doing your research can also benefit you. For example, if you are going to fix up the apartment property, you will therefore increase the value greatly. A property with a high vacancy can have the greatest upside potential; however it will probably require that you put more money down that you would have to with a stabilized property. This is because most lenders underwrite to a debt service coverage first and a high vacancy can limit your supportable loan amount. As with any loan, researching and being prepared when meeting with the lender, will only benefit you and help your business become more successful. Wed, 02 Jul 2008 07:38:08 -0500 http://BestEzines.com/?The-Logistics-of-Obtaining-Commercial-Loans-for-Apartment-Buildings&id=8940 http://BestEzines.com/?The-Logistics-of-Obtaining-Commercial-Loans-for-Apartment-Buildings&id=8940 There are over 25 different fund of hedge fund databases now out on the market. How do you know which one is worth the high price tag cost that is usually charged for them? To start help you navigate the decision of selecting a fund of hedge fund database I have put together these Top 9 Tips on Selecting A Fund of Hedge Fund Database. Wed, 23 Apr 2008 07:43:21 -0500 http://BestEzines.com/?Top-9-Tips-to-Selecting-A-Fund-of-Hedge-Funds-Database&id=8283 http://BestEzines.com/?Top-9-Tips-to-Selecting-A-Fund-of-Hedge-Funds-Database&id=8283 Commercial Mortgage Loans are often required for buying the business' real estate and commercial properties that can be utilized for commercial shopping centers and malls, industrial and high-rise office buildings, complexes, apartment buildings, factories, hospitals, warehouse, golf courses, hotels, restaurants, gas stations, movie theatres, retail outlets, farms, car washes and other such real estate for businesses. Fri, 18 Apr 2008 07:36:32 -0500 http://BestEzines.com/?Commercial-Mortgage-Loans-for-Your-Properties&id=8224 http://BestEzines.com/?Commercial-Mortgage-Loans-for-Your-Properties&id=8224 Join for free and get tips to improve your trading and an unbiased market analysis. Stay on top of the new Forex systems and courses on the market. Wed, 16 Apr 2008 07:38:16 -0500 http://BestEzines.com/?Top-Forex-Education&id=8214 http://BestEzines.com/?Top-Forex-Education&id=8214 A look a 5 critical success factors of Forex traders. This article discusses the key elements necessary to succeed as a Forex trader. Mon, 14 Apr 2008 08:15:19 -0500 http://BestEzines.com/?Do-You-Have-What-it-Takes-to-Become-a-Successful-Forex-Trader?&id=8193 http://BestEzines.com/?Do-You-Have-What-it-Takes-to-Become-a-Successful-Forex-Trader?&id=8193 The twice monthly 'Financial Tips' newsletter is written for UK resident doctors and dentists and its aim is to help doctors and dentists keep abreast of all the issues that affect them in the financial world, saving them hours of research time. Each issue includes a key article and Q&A section, written by financial planning practitioners Graeme Urwin and Ray Prince who are dealing with clients every day. Wed, 26 Mar 2008 08:20:47 -0500 http://BestEzines.com/?Financial-Tips---Strategies-for-UK-Resident--Doctors-and-Dentists-To-Get-Ahead-Financially&id=7563 http://BestEzines.com/?Financial-Tips---Strategies-for-UK-Resident--Doctors-and-Dentists-To-Get-Ahead-Financially&id=7563 Selling a vacation home For Sale By Owner can be a challenge. If you live out of the area, scheduling appointments for buyers to view the home can be time consuming. So how can you maximize exposure for your vacation home or other remote property? A property specific website is a great way to pre-sell your vacation home to potential buyers 24 hours a day, 7 days a week - no appointment or long drive necessary. Here are five tips for creating a real estate website for your For Sale By Owner property: 1. Sell the lifestyle. When buyers need a primary home for their family, they are more likely to focus on fundamentals such as 3 bedrooms, a good school district, and an easy commute. A vacation home is a lifestyle. Write a description that engages the buyer. For example, instead of "hot tub" you can describe and evening of sitting under the stars sipping locally grown wine in a private hot tub. 2. Sell the area. When buying a primary home, buyers are restricted to certain areas by employment, schools, and family. When purchasing a vacation home, buyers have more freedom and may be considering several different locations. Describe the experience of your vacation home. For example: "Wake to the sounds of the ocean, walk to town for morning coffee, and spend an afternoon on the uncrowned beaches." 3. Capture the lifestyle visually. A picture says a thousand words, so take photos of more than bathrooms and exteriors. Are you selling a ski cabin? Take photos of skiers and snowboarders. Are you selling a quiet cabin in the redwoods? Photograph the light streaming through the trees in late afternoon. Create an online visual tour that promotes a relaxing getaway. 4. Create a descriptive domain name. Although many property specific websites can focus on a specific address such 348elm.com, a descriptive domain name can be a powerful marketing tool in selling your vacation home. For example, vailskicondo.com or blueoahucottage.com can help your URL stand out in a buyer's mind. 5. Promote, promote, promote! You never know who is looking for a vacation home in your area, so promote your vacation home in a wide variety of locations. Free classified ad websites such as Craigslist or Kijiji are great ways to promote your vacation home at no cost. A property specific website is a creative way to reach buyers for your vacation property, even if it is in a remote location. You can schedule appointments to meet buyers who are already pre-sold on your vacation home, creating a more effective use of your time. You can create a fast, easy, affordable property website in just minutes at http://www.home4salebyu.com/createapropertywebsite.aspx. Thu, 20 Mar 2008 08:06:42 -0500 http://BestEzines.com/?Selling-a-Vacation-Home-For-Sale-By-Owner-Can-be-a-Challenge&id=6856 http://BestEzines.com/?Selling-a-Vacation-Home-For-Sale-By-Owner-Can-be-a-Challenge&id=6856