Forex Trading Robots, Great Profit Identifiers

By John Eather

Robot details: All that a forex trading robot really is, is a program setup and by major forex market player. The robot merely checks for short-term investments in foreign currency with the best returns and least risk for you, the investor. Portfolio diversification can be done by using the robot in conjunction with other forex managed accounts.

Execution procedures: A vast amount of information is analysed by the robot in the form of numbers and charts before any trades are entered. Once trends have been identified orders are entered with no emotional interference at high speeds and accuracy. Forget the idea that robots are the currency trade money-making secret hidden all this time as markets are unfortunately influenced by fickle human behaviour and not mathematics and numbers used by the robot. If the robot was able to predict the charts, numbers and human thoughts you would be a millionaire chop-chop.

Highly recommended: The robot is highly recommended as it reduces risk significantly. A number of strategies and markets can also be traded at a time. No more lost trade opportunities, with fast and correct trade execution. Time and money no longer wasted with super ease of use.

Beneficiaries: Existing traders wanting the diversify capital, traders uncomfortable with managing their own capital, managed account investors, institutions seeking other investment options, ex traders, Forex brokerage firms and introducing brokers.

Excellent System: The system has excellent benefits in the form of very low cost to own the robot at an estimated US Dollar 1000.00. The system is automated with no breaks in portfolio monitoring and operation. Capital diversification applications make options other than bonds, shares, mutual funds and real estate available to users.

Traits: The robot has programs for both short-term opportunity analysis as well as advanced trading, using complicated mathematical formulas to determine maximum profits and minimum risk.

Performance reported: Monthly returns of 30% on US Dollars 10,000.00 have been reported by users. - 23309

About the Author:

Want to find out more about forex trading robots, then visit John Eather's site on how to choose the best forex trading robot for your needs.

Tax Free Money Market Fund

By Craig Lipper

A tax free money market fund is a good mode to balance your portfolio particularly if it is equity heavy. In existing economic situation, there is a lot of uncertainty. So, it makes sense to put some money in debt funds like government securities and money market funds.

A money market fund is usually a mutual fund which invests its assets in short term debt instruments like cash or cash equivalent securities. These funds are usually used as short term investments until the time you have found a suitable option to invest your money. This is particularly good option in recent times when the investors are waiting for the markets to bounce back. Once the Bull Run starts, investors can take out this money from money market funds and invest them in equity funds or other high yielding avenues.

There are different types of money market instruments in which money can be invested. These include commercial paper, U.S. Treasuries, Certificate of deposits, repurchase agreement etc. The money market funds are available in two flavors which are taxable funds and tax free funds. As you can make out, the difference between the two flavors is the way tax is deducted. The taxable funds are taxed during maturity while the tax free money market funds are exempted from tax.

When you see them first, you will certainly choose a tax free fund instead of table fund due to obvious tax related reasons. But the fact is that tax free funds have lower returns than taxable funds. When you compare these 2 funds, you should look at the return on investments as well. Usually, the returns are higher in taxable funds. You can use the formula (Taxable Equivalent Yield = Tax-Free Yield / (1 - Marginal Tax Rate)) to find the difference.

There are a variety of tax free money market funds existing in market today. Most of them have similar returns so there is not much difference between them. A few names from good and reputed fund houses are Fidelity AMT Tax-Free Money Fund (FIMXX), Vanguard Tax-Exempt MMF (VMSXX), American Century Tax-Free MMF (BNTXX), and T. Rowe Price Tax-Exempt Money (PTEXX). - 23309

About the Author:

The author writes articles on various topics related to personal finance including best tax free money market funds and money market certificates.

Is Margin The Best Way To Make Money With Stocks?

By Richard Moran

Some people who invest into the stock market use other peoples money to purchase those stocks. It is called buying on margin and is equivalent to purchasing a home on credit. The main difference between the two is you can improve your homes value by updating and remodeling and you rely solely on the stock market in order to pay off your loan on marginal stock purchases. The recent stock market problems were caused in part by marginal stock holders whose investors became nervous and demanded their money before the stocks could make a profit. This drove the price of these stocks to all time lows.

Cash is still king when it comes to purchasing stock

When you buy stocks outright you pay for your stocks at the time you purchase them. For example, you may purchase one hundred shares of stock at fifty dollars per share costing you five thousand dollars. It is over and done, you own the stocks, and they are free to earn you the money instead of earning someone else money. Since most brokerage firms require you to have a minimum equity of two thousand dollars to begin with before buying on margin, it simply makes sense to drop the number of shares you purchase and own them outright.

Using A Brokers' Margin System

In the margin situation the brokerage house is basically acting as a bank and loaning you the money to purchase the stock. All this is done only on paper of course. If for any reason you don't keep up with the interest payments the broker merely will take the ownership of the stock back, and you may still owe them money, even if the stock did go up. There is very little risk for the brokerage, although many did lose a lot of money in the recent stock market crash. However, even with that most of the money lost was not from marginal stocks but from more exotic forms of investment.

Regardless of How You Pay You Still Must Know What Stocks To Buy

One way of ensuring you can pay back the loan on your investments is to know your stocks. You should study your stocks before making a purchase. It is important to know how they have been effected by other aspects of the market, how often they drop, how long they remain on a rise and what the average rise for them is. By studying the stocks you want to invest in, you may find that you dont need to borrow money in order to invest.

On Margin or Outright

Basically, buy with cash if you can. When a special situation arises where you are sure of the stock health and "know" it will rise buying on margin can net you some super profits without a big cash outlay. You will of course still be limited by the equity you have in your brokerage account. Unless you are wealthy, or have great credit at a bank they won't lend you money to buy a stock so the broker is normally the only avenue available. Another "trick" used by savvy investors is to use the 7 day payment period used by most brokers. You can buy the stock today and wait a few days to pay, or just sell it before the payment is due. Then any profit is yours without interest - that is if the stock goes up. If the price falls the purchase price is still due, so be sure you have a backup if you are using this plan. - 23309

About the Author:

Richard Moran is a Financial Consultant and writer for Money Helpers. The site contains 100's of articles, charts, and calculators to assist you in your financial well-being. All the aspects of the site are free and it is updated on an almost daily basis. If you are searching for any financial information or products they can be found on Money Helpers.

Back To The Basics -Property Investments

By Cody Scholberg

Seasoned experts and newbie's in the investing world will both admit, returning to the basics now and again will help you greatly when it comes to real estate.

There are many various approaches to increase the profitability of your real estate portfolio. The portfolio can be a simple one consisting of only one type of real estate or it can be diverse to include rental homes, office space, retail properties, single-family homes, or industrial locations. You may also keep the properties as rentals for long-term income or flip the properties to increase your wealth. You can also invest in foreclosure properties to sell at a profit when the market allows for the increased values. Whatever you decide to do to increase your portfolio, you will continuously use the basic rules of real estate investing.

There are your choices, however there has to be a guideline for people to follow and the basics is where you need to start. One easy way to make rapid money is to do a "buy and hold" this means you will hold the account for a person who is making monthly payments to you for the end property. Some term this idea as "lease to own".

Purchase properties that have a good cash flow for income. The property needs to have renters to provide a good cash flow so invest in properties that people want or need. The long-term goal is a positive cash flow from all the properties.

One word says it all ? LOCATION. No matter where you purchase a property or the cost of the property, if it does not have a desirable location it will produce quality renters to increase your profits. When the property is in a bad location, you will have high vacancy rates that only cost you instead of give you an income. The rule to real estate is to have investment properties that will be occupied fully to give the positive cash flow.

Try to buy from a seller that is motivated. Often time?s sellers that are interested in getting rid of their property will give you the best deals. The seller has to want to sell the property, if they don?t you may end up going around in circles with a seller that just wastes your time.

Try to use other people?s money for your investing much like a bank does. Borrow from a private individual or a bank at a low interest rate to make a profit on your investment. The less you spend on the initial investment the more you can make as a profit. With a little research, you will find the resources readily available to pursue your real estate investing without having to use your personal money to finance the investment properties.

If you keep these important principals in mind, then you will do substantially well with investment properties. - 23309

About the Author:

Cody Scholberg writes about buying investment property and picking residential investment property for the first time.

Fiat Fallacies

By James Pynn

In these trying times it's important to start branching off and learn more about the factors that affect us financially. Economics was a class that I glazed over and put the bare minimum of effort in order to pass. But now that the recession is over a year old and the number of unemployed Americans is in double digits, learning at least the economic essentials is a must. The first issue I decided to learn about was the gold standard. I use the past tense because Richard Nixon discarded the standard on August 15, 1971.

Before we begin to explore the history of how we were taken off the gold standard, let's its concept down. It is defined as, "A commitment by participating countries to fix the prices of their domestic currencies in terms of a specified amount of gold. National money and other forms of money (bank deposits and notes) were freely converted into gold at the fixed price." Basically, the gold standard was embraced in an effort create an even playing field across all national economies.

The United States has, in its past, used a combination of both silver and gold. Bimetallicism, as its known, was sanctioned in the early 1900's thanks to the Standard Act. Now it's important to keep in mind whenever there is a recession (or depression), central banks hate having such a shiny standard. What they like doing in such dire times is print more money, thus giving the immediate illusion that markets are holding fast and steady. They don't like having to worry about a standard to uphold because that standard hampers the printing presses.

This tactic of printing more money is a favorite of central banks worldwide. When one powerful economy, like that of the United States, begins to print more money, so too, in most cases, do the banks of foreign nations. This had and still has -- a tremendous affect on the Forex (or Foreign Currency) markets. To keep parity with the dollar, they must print more or less money.

Since 1971, every major currency worldwide has become a fiat currency, that is, it has no intrinsic value. It is only as valued as it is accepted for goods and services. The hidden danger involved is in the inflation that arbitrary printing causes. It has been estimated that the buying power of a 1971 dollar is now roughly eight cents to the dollar. Without a peg to the dollar, the Fed can print as much as it wants, thereby causing a massive tide of inflation that has the potential to flood our everyday lives. - 23309

About the Author:

Learn how world currencies can be bought and sold with an accredited Forex course. As the dollar loses its value, it is essential investors look to foreign currencies to offset potential losses.