Ping Ping King

While in many ways in the Net era it would appear a straightforward step, up until this point the acquisition of bank loan portfolios has had to take place through multiple marketplaces rather than a a single outlet. An online company employing the Ebay auction principle has come forth and begun changing this, with portfolio acquisition tackled using an innovative mentality.

Packages created for this marketplace are put up for bid at significant discounts to optimize your investment power. Smaller packages in this way become a worthwhile purchase, leaving the market more open to all investors. Substantial savings in money can be made via a transition to a modern business model in which place and time are less critical, allowing firms truly international scope for their activities. The first rule in sales lies in making sure and certain that your potential customers know about your product, and there has never been a better way to spread the word than bringing to bear the power of Net distribution.

Any and all viable leads need to be investigated and contacted if you want them to be made aware you have products to sell. To help you do this, by signing up with this system and listing portfolios, you’ll receive access to any information required, whenever you want it. The sale of loan portfolios will become much easier, and much more effective.

When selling loans, the more data available, the better the results will be. The fuller the transparency of your information concerning available portfolios is, the better your ability to minimize exposure and make the best of your investing will become. With the novel transparency offered by this service you can handling your investments all by yourself without any need for a third party broker. Thanks to the balance of profit and exposure that is an inextricable aspect of investment in loans portfolios, frank exchange that takes a transparent approach to information has benefits for buyers and sellers alike and thus full information disclosure becomes reliable. Consumer and subprime loans are standardized instead of fragmented, making it simpler to find exactly what you intend to invest in. We therefore waste less time for both sellers and buyers by making the perfect deal available to fit the bill. A system of open bidding creates plety of opportunities to make the best exchange possible, with an opportunity to increase profits, through negotiation between interested parties. The Net has launched endless chances for the asking, and the variety of ways in which to sell loans has recently split open. Trading in online portfolios broadens your range dramatically, creates a standard for data and leads you to an ideal package to develop your investments.

Viatical Settlement Broker and life settlements deal in the sale of life insurance policies by the policy owner for less than the final value of the life insurance policy, to groups of investors. The other investors are designed to gain when the death of the originally insured happens by collecting more in death benefits than they originally paid out for the policy in the first place. This means, they pay out an amount which is less for the transaction costs, purchase price, and any premiums required. This usually amounts to much higher profits the more quickly the original policy holder passes. Viatical settlements are just about the same thing as what a life settlement is, except that the life insurance policy holder is chronically or terminally ill as outlined in IRS regulations. As of June 2009, this has become a $18 to $19 billion dollar industry. These type of investments have been around since 1911 to Americans. During the notoriety of the AIDS epidemic during the mid 1980’s, these people’s policies were sought out by policy holders, as well, the recent recession and ensuing credit crunch have made a demand for the purchase and for investors to seek out these types of policies, as often, for many older people, thier policy is one of their most worthy possessions.
Generally, life settlement and viatical deals are mostly options for people of high net worth and over 70 years of age. Estimates report that from this group of canidates, around 20% of them have life insurance policies that would have a market value that is above the cash value offered by the carrier. A increasing number of experts believe that letting clients know about offering life settlements and viaticals should come under the duty of financial advisers. With this established, those involved in the industry are now placing an emphasis of life settlement and viatical education on individuals in the financial industry in order that they can make aware of and present accurately the life settlements or viaticals option to every client who might possibly benefit from it., life policy holders 70 and older are major candidates, but sometimes as low as 55 years of age are eligible or possible. On the most part, the policies of such people need to have at least a face value of $50,000, and to have policies that have been active for a minimum of 2 years. There are quite a few people that are required for a transaction of this kind occurring. You have the policy holder, you have financial advisers, the policy providers, brokers, viatical investors, as well as life expectancy providers and many others. Life settlements and viatical settlements are quickly becoming a more popular type of investment also as a path for older people to cover their costs and quickly rising medical expenses later in life.

There are going to be specific moments when you may well really want foreign currency quickly or potentially even like a shot; maybe you abruptly spied particularly amiable exchange rates, or possibly you are scheming to finalise the deal on a house you have been eyeing up, perhaps you head-up an importing or potentially an export company and the time is right to get or sell services in other countries.

All this is not normally a major problem; the vast majority of organizations might often be in a position to exchange your cash straightaway, planning the onward transfer for the settlement point; this point could well be typically about two mid week days after any order is placed. This process will more than likely guarantee you achieve your busines’s objectives - after all if you’re satisfied that should mean the currency company could well be satisfied as you might be more likely to employ them in the future; this type of transfer is technically speaking recognised as a Spot. Here is a site you can begin your research if you’re looking into exchange rates.

Additionally you’ll patently wish to talk about the firm’s unique foreign currency exchange needs with a skilful expert in good time before you decide to commit to anything - this is very much exceedingly prudent even if you are lucky enough to be a seasoned veteran in the foreign currency exchange field - circumstances shift sporadically and it is obviously good to mull situations over with a person who has their finger on the pulse of the market.

In this time of global economic uncertainty it has been comforting to know that you enjoy the capacity; if your business notice you all of a sudden require it, to swap your foreign currency pretty much straight away. This ability to react swiftly to changes in the market place might not just stop individuals from losing significant amounts of money - but the clued up trader may even earn a tidy return if they know what they are doing.

The real lesson here; know that you possess the facility to be reactive - find a reliable currency exchange expert to impart advice and act on your behalf, then survey the market place for opportunities and threats.

Looking for international property? Check out properties for sale in Italy here!

In spite of the fact that the Property Index is a recent concern, they were set up in March 2007, they have quickly advanced to expert status. They are a fairly incomplex concern focused on offering experienced guidance to every client aiming to rent, buy, sell etc. real estate across the globe. What they pledge to do is to offer you assistance to unearth just what’s looked for very swiftly not to mention straightforwardly. Estate can easily be purchased in most popular areas of the world presently, one of the choicest areas being real estate available in Italy. It should really be a no brainer to write a list of the great real estate on the market in Italy, one rationale for opting for land here being the houses and apartments you can purchase and the option of being able to live right amid this robust people.

It’s one of the most fashionable countries presently, and with the gorgeous landscape and weather surrounding you, how could you conceivably say no… Estate in Italy is very rich in history, culture and art, this realm of the world has a long tradition as a home to lots of sophisticated cultures. Just 30 years ago you would find just a small number of Britishers in search of real estate in Italy. Ask just about anyone who has chosen to remove to Italy and they’ll back it up. There are those who would are tagging it a rage and others are tagging it a near to an obsession. Clients who will actually move to this area generally range from yuppie couples looking for a challenge to the older generation who want to have fun.

Do bear in mind, though, that there could well be troubles when trying to acquire real estate abroad - expectably there will be dozens of steps to follow whether strategizing, touring or purchasing. If you miss out on one minor step this is sure to bring about huge troubles not to forget, more important, financial loss. Obviously and expectably with this popular location, real estate may be extraordinarily expensive in this region and that is absolutely because of the peaking market pressure. Yet, real estate buyers are spoiled in such a region boasting such a pleasant site and mega cool surroundings. It definitely has the whole thing just about anyone may require, and plenty more.

Eighteen months ago, the Federal Reserve embarked on a long, but predictable road of lifting short-term US interest rates, to reach an unknown “neutral rate,” that would neither stimulate nor weaken the US economy. Federal Reserve chairman Alan Greenspan did not know when the neutral rate would ultimately be reached, but after lifting the fed funds rate by a quarter-point to 4.25% on December 13th, the Fed did not mention the “A” word, or “accommodative” in its policy statement, a signal to the financial markets that the elusive neutral rate was near.

The US dollar fell sharply in the foreign exchange market, gold rose above $500 per ounce, homebuilder stocks pushed ahead in a knee jerk reaction, and global equity markets cheered with a big Santa Claus rally, since the end of the Fed’s tightening campaign is apparently on the horizon.

But Greenspan is still perplexed by what he calls the “conundrum” of the bond market. The central bank gradually lifted its overnight loan rate by 325 basis points to 4.25% over eighteen months, yet the Treasury’s ten year yield had barely budged. The ten year yield rose by only 15 basis points to 4.40%, since the rate hike campaign began in June 2004. Logically, the Fed might have figured that long term rates would rise by at least 100 basis points in response to tighter monetary conditions.

When the Federal Reserve lifts the fed funds rate by quarter-point to 4.50% in January 2006, as widely telegraphed, the yield on the Treasury’s two year note could be higher than ten year yields, producing what is known as an “inverted” yield curve. Usually, when lenders in the bond market are willing to accept lower interest rates for longer term debt than for shorter term debt, it is a signal that the US economy is about to experience a serious slowdown or even a recession within twelve months.

The last time the bond market witnessed an inverted yield curve was five years ago, at the height of the frenzy for internet and high tech stocks. Then, the bond market was inverted, but stock market investors were not afraid, and argued that its shape reflected the Clinton administration’s retirement of longer term debt from huge budget surpluses. But the Nasdaq and S&P 500 did begin to implode in 2001 and an eight month economic recession arrived in 2002. Today, in January 2006, there is speculation that the US housing bubble might deflate next, bringing on a recession and an easier Fed policy in the second half of the year.

But never before has the US bond market been so closely intertwined with the global money markets. In 2004 for instance, China and Japan bought a combined $300 billion of US Treasury bonds. While Japan moved to the sidelines in 2005, Arab oil producers picked up the slack and rolled about $115 billion of Petro-dollars into US Treasuries. China boosted its bond position by another $79 billion during the first ten months of 2005. So while the Fed was raising short-term rates, China, Japan, and Arab oil producers were putting a lid on longer term interest rates.

Once again, stock market investors say there is nothing to fear from an inverted yield curve, because it is simply distorted by foreign buyers of bonds, and does not signal an imminent bursting of the US housing bubble, which could crush the economy. But recent indications are ominous. New US home sales fell 11.3% in November, the largest monthly drop since 1996, and applications for home mortgages fell to a 3- year low. Existing home sales fell 1.7%, for a second month in November, while home prices fell $3,000 to an average $215,000, and the number of homes for sale rose to an annual 2.9 million, the highest in 20-years.

Then on January 1st, 2006, Yu Yongding, chief adviser to the People’s Bank of China warned for the second time in a month, that Beijing should scale down its purchases of US dollars and bonds. Yu warned that the new Fed chief Ben Bernanke might start lowering US interest rates in 2006 and start guiding the dollar downward, and putting upward pressure on the yuan. “More seriously, China’s economy would take a big hit if the US dollar weakened sharply due to such factors as a bursting of the US property bubble. The loss for China’s foreign exchange reserves would be extremely serious,” Yu said.

China owns $794 billion of foreign currency reserves and could acquire an additional $200 billion from foreign trade, direct investment and interest revenue on its bond portfolio, to reach $1 trillion of reserves by the end of 2006. If China slows its purchases of US Treasuries or becomes a net seller, US bond yields could rise, underming home prices. Also, Arab members of the OPEC cartel, who buy and sell US bonds through their London based brokers, could turn into sellers of US bonds, if the dollar turns south, to avoid possible foreign exchange losses.

Only time will tell how events unfold, and what the inverted yield curve is signaling, a distortion or danger ahead. But one should remember, that every Fed chairman is presented with a financial crisis or two during his tenure, and the former Princeton professor Ben Bernanke will probably be tested with some real world turbulence, far removed from the ivory towers of academia. But then again, the mythical retiree, Alan Greenspan is only a phone call away for some fatherly advice.

This article may be re-printed for use in other publications

Copyright ©2006 SirChartsAlot, Inc All rights reserved.

Gary Dorsch wrote a weekly newsletter from 2000 thru September 2005 called, “Foreign Currency Trends” for Charles Schwab’s Global Investment department, featuring inter-market technical analysis, to understand the dynamic inter-relationships between the foreign exchange, global bond and stock markets, and commodities. As a transactional broker for Charles Schwab’s Global Investment Services department, Gary handled thousands of customer trades in 45 stock exchanges around the world, including Australia, Canada, Japan, Hong Kong, the Euro zone, London, Toronto, South Africa, Mexico, and New Zealand. Extensive experience in trading Canadian oil trusts, ADR’s and Exchange Traded Funds. Currently he is editor of his own financial analysis web site:

http://sirchartsalot.com/

A stop-loss order is the trader’s best friend. The reason for
this is simple: the stop-loss order can help the savvy investor
avoid losses, and protect gains. With something of this great of
value, you’d be almost sure that everyone would already know
about it and use it. This is not the case. Many neophyte
investors seems to either not know or not care about protecting
their downside.

How does a stop loss work?

A stop-loss order is generally a limit order that executes at a
given price. If you have a stock you bought at $18, and it’s not
at $24, you’ve made a hefty profit and can use a stop loss to
protect your profit. If you set your stop-loss order to $23, if
the stock falls by a dollar, the trade will automatically
execute, and you’ll be sitting comfortably on the sidelines, in
the green. The beauty of the stop-loss is that it’s automatic.
You don’t need to fret whether to make the trade, and you don’t
have to be sitting next to your terminal waiting to hit the
“SELL” button. Stop-loss orders can be setup as “Good Til
Cancelled”, so you can basically “set it and forget it”.

Can a stop-loss order hurt you?

Many new investors are frightened to use a stop-loss order for
fear the trade will execute on temporary news, and the trade
will be closed. This is a real possibility, and for this reason
you need to be careful when setting the amount that triggers the
order. Many people use a 8% stop, but this might be too tight
for many volatile issues. But a 15% margin should give you
plenty of wiggle room. If a stock loses 15% of its’ value in one
trading session, you’ll be very happy you’re in cash soon enough.

Trailing stop-losses protect your gains.

If you are already in the green, you can use a trailing stop
loss to protect your gains. A trailing stop-loss is set to
automatically trail the share price by a certain amount. If it’s
15% and the stock is at $100, the stop-loss will execute at $85.
If the stock went to $200, the stop loss would be at $170. This
way you always protect yourself against a loss automatically, as
soon as the stock goes down in price.

The terminology for stop-loss orders changes from brokerage to
brokerage, so you’ll have to check your console for the exact
order on setting one up. Generally it’s a one-click process that
is quite easy. There may be a small fee, but generally there is
not. If you forego using stop-losses, you better at least be
prepared to be an extremely active trader who monitors your
investments constantly. Failure to do so for even a day can
result in huge losses. Take a look at the massive selloff in
companies like Taser or Google to see just how disastrously even
a great trade can get if you don’t protect the downside.

I can tell you a specific thing I learned early on when I started buying stocks. I had $550 in my account… not much I know… so I bought 1 stock, 100 shares at $1.90 a share. Just 3 hours later it dipped to $1.80 a share… so I bought another 100 shares. The next day I bought another company at $2.15 a share, 50 shares. Later that day I bought a OTC stock for .04 a share/100 shares.

By the time I did these few transactions I had 400 shares of stock, but guess what? I had $5.76 in trading cash left. So what happened was my first stock tanked down to $1.60 a share and I couldn’t get out because I didn’t have enough cash to put a stop limit on it nor outright sell at a small loss. My second stock went up to $2.75 a share and I couldn’t sell for a profit because I couldn’t afford the trading commission.

Moral of the story as specifically related to the stock market:

1) Don’t buy more of a stock going down… you’re throwing money into what is likely a sinking ship.

2) Never buy so much stock that you can’t afford trade commisssions.

I took that knowledge and became a slightly better stock trader with it.

Moral of the story as an overall lesson about financial planning:

1) Always know what your costs are going to be.

2) Always leave the exit available, open and know when you want to get out.

3) Follow your strategy!

Rasheed Ali (#1 Adversity Consultant) and Bill White (Syncronicity Expert) have just launched http://www.SleepYourWayToRiches.com — a powerful new success and wealth creation website and http://www.SolutionCoach.com –
a powerful business and success coaching site.

1. That discipline contributed more to their success than their trading philosophy itself. Remember that the key to any plan is how well it holds over time.

2. There is no “sure thing”, and there is no trading system that is 100% accurate. Your goal, as a trader, is to usethe tools available and try to develop an edge. Base your trades on sound fundamental and technical reasoning,
rather than on hunches and long shots. If you can develop an edge, however small, over time you will be successful.

3. A trader must be able to admit they have made a mistake. Do not become emotionally or financially committed to a losing trade. Avoid the pitfall of becoming emotionally involved with any trade.

4. An investing edge is only part of the equation. A trader should diversify sufficiently so that the growth in equity can be consistent and the likelihood of a catastrophic loss can be diminished. The lower the percentage of a traders’ account dedicated to any one trade the greater the chance of the trader being successful.

Even if the trader has a perceived investing edge, it is unwise to run the risk of ruin, and bet it all on one trade. The goal is not only to make money, but also to be able to continue to make money consistently for an
extended period of time. A trader must learn the basic concepts and the importance of money management.

5. Lack of experience in the market causes many traders to make the mistake of taking small profits and letting losses run.

Fundamental trading wisdom dictates the exact opposite. When in a winning trade, be patient and fully capitalize on the success. The trading axiom is, “cut your losses short and let your profits run”.

6. A trading system does not have to be difficult, time consuming, complicated and stressful in order to be profitable.

In trading systems, as in many other things in life, simple can be better

7. As a trader, be cautious, and never let greed take control of a winning position.

8. Be aware that declining volume usually indicates the market is not accepting higher or lower prices, and this could indicate a market turn.

9. Learn from your trading mistakes. Never make a trading mistake without asking yourself why.

10. Do not make trading decision based solely on margin requirements, and always trade within your capabilities.

Remain true to your trading plan and follow the trading style that works best for you.

11. Do not trade markets that you don’t understand. Trade with confidence and conviction. Trade only with risk capital and be aware of the risk of losing. Divide your capital into 6 equal parts and never risk more than one-tenth of your capital on any one trade.

12. After a long period of success or a period of profitable trades, try to avoid the natural tendency toward increasing your trading activity. Conversely, use self-discipline when a trade goes against your position. Take your loss and wait for another opportunity. Never increase your trading after a loss.

13. Avoid getting into the market because you are anxious from waiting and/or out of the market because you have lost your patience. Never over trade and adhere to your risk management rules

14. Do not make a trading decision to buy just because the price of the stock is low or sell just because the price is high. Never change your position in the market without a good reason that is based on a fundamental or technical rule indicating a change in trend.

15. Trade the most active stocks and refrain from trading the slow moving markets. Trade “at the market” whenever possible and try to avoid a fixed buying and selling price.

16. When the market is moving with your position and you are using a stop loss order, then raise your stop loss so as to lock in your profit. Protect yourself against the possibility of turning a profit into a loss.

17. The “trend is your friend,” and never buy and sell if you are insecure of the trend according to your fundamentals and technical rules. If you are in doubt, then exit the market. Only trade when you feel confident with your trading strategies.

18. Trade in five or six different stocks at a time, so as to avoid tying up all of your capital in any single stock.

19. A trader should establish a “surplus account” after a series of successful or winning trades. The goal is to retain the “surplus account” for times of emergency or panic 20. It is difficult to try and guess where the top and bottom of the market is, instead let the market prove its top and bottom.

Mark Crisp
The Momentum Stock Trader
http://www.stressfreetrading.com

Autosurf Arbitration is probably the easiest way to get Autosurf
/ HYIP referrals for free. The process is simple and all you
need is one webpage.

The idea is to design a webpage with your referral links on it
and to advertise on different Autosurf sites that you have
already invested in. For example, if you are a member of
StudioTraffic you could advertise your StudioTraffic link on the
12DailyPro Autosurf site and vice-versa. This method works very
well if you are a member of a few Autosurf Companies.

The design of your webpage is very important. As we all know,
Autosurf Traffic is very untargeted. This means that your
webpage needs to grab your reader’s attention so that they will
click on your links. There are a few ways to do this, but I’ll
leave that up to you for now.

As an experiment, I taught someone how to perform this easy
method of getting referrals and the results were astounding. In
a matter of days she had doubled the number of referrals she
originally had and continued to average around 5 new referrals
each day.

5 referrals everyday for one month is 150. So if we assume that
each referral deposits $100 into their Autosurf account and we
get 10% commission - we’d receive an extra $1500 every month!

If you don’t believe me, why don’t you try it out yourself? You
have nothing to lose. Please remember that the most important
factor is your webpage design. It MUST grab the reader’s
attention.

The Shadow knows. There used to be a radio program called The Shadow where the hero, Lamont Cranston, the Shadow, would overcome the shadowy forces of doom by clouding the vision of those around him. “Who knows what evil lurks in the hearts of men” was their intro line. They were great shows and you can still find them on the Internet.

The stock market is kind of like the shadow. As you walk along with the sun at your back you cast a shadow. No matter which way you move the shadow stays ahead. Fast, slow, right, left. It doesn’t make any difference.

An equity market is the shadow of the economy staying out in front following every twist and turn. Depending upon the height of the sun the shadow may be long or short. You can see it either as a long term or short term prediction of the passage.

If you did not know what a shadow was you would not realize it is telling you something about where you are going. If you see the shadow fall across a hole you know you must step over or around it depending upon its width and depth. The path of our economy is predicted by the direction of the stock market. When things are good and everyone is making money the shadow seems to go up and when the economy slows (for whatever reason) the shadow darker and heads down.

At this time (11/04) the sun is shining brightly and the shadow stretches out long and friendly before us. The stock market is going up and everyone is feeling good, but we also know that tomorrow storm clouds may appear making our shadow seem to be a monster black image that hides the potholes in our path.

When that occurs we must be ready to put on our raincoat to protect what we carry through life. One of the most important is the money we have put aside for the time we wish to depart the path, sit by the road and contemplate all the beautiful things we have brought. That means we must guard against losing what we have created and not let the shadowy rain cloud wash them away.

That raincoat for your investments is an exit strategy for your portfolio. Without a plan to protect your assets it will be too easy to seem them washed away. This does not mean diversification which is what brokers want you to do. It means a plan to exit (sell) stock and mutual funds that are going down. This can be done with a simple percentage stop-loss order for your stocks and a mental stop loss for funds.

Brokers never want you to sell even though there may be a commission involved because once you money is in a money market neither they nor the brokerage company makes any money. You and only you care about your money so you must protect it. Think about an exit plan now and put it into place.

Do not become a victim of the dark shadow.

About The Author

Al Thomas

F*R*E*E investment letter www.mutualfundmagic.com

Author of best seller “IF IT DOESN’T GO UP, DON’T BUY IT!” Never lose money in the market.

Copyright 2004 Albert W. Thomas All rights reserved.

Former 17-year exchange member, floor trader and brokerage company owner.