Monthly Archives: August 2015

Tips for Trading the Financial Markets

With the global markets still recovering, many people are still questioning how the markets got so out of control. They are also questioning something a little closer to home: their own finances.

Tax efficiency, opportunities in fluctuating markets, diversifying existing investment portfolios and planning investments for the future are all priorities. Everyone, of course, should understand the necessity of planning ahead.

Many are turning away from pure funds and pensions and considering newer forms of trading that provide new opportunities. Spread trading offers some interesting features and is worth considering as part of your investment strategy.

Whilst speculating, however, you must always remind yourself that the markets can go down as well as up. With spread trading you can lose more than your original stake or investment.

The Financial Services Authority regulates the UK based companies. This tends to ensure a certain level of service and, more importantly, consumer protection. With regulated spread trading companies such as you can trade some markets 24 hours a day, including key currencies and stock market indices. In addition, you can also trade more traditional markets such as crude oil, gold, UK and US shares and many more.

However, whilst there are many plus points, you also need to remember the potential downside.

Spread trading carries a high level of risk. Before trading, ensure that spread trading matches your investment objectives. Familiarise yourself with the risks involved and seek independent advice if necessary.

Spread Trading Tips

Most investors have developed their own trading rules and tips to help guide their trading. Here are a few of the more common ideas.

1) Put a plan together before you trade. I include the markets I am going trade, how much I am prepared to risk and, naturally, the profit level I am aiming for. With most trades I also plan my Stop Loss level to protect my downside. I also plan my Limit Orders level to help lock in profits.

2) Trade the markets and sectors that you are most familiar with. If you have little experience of the oil markets but have a good appreciation for the US equities markets then you are probably best off trading the US equities markets.

3) It is often worth trying a spread trading demo account with a company like or CMC Markets, there are usually free. If you are less familiar with this style of trading a little practice should help you understand the risks and rewards.

4) Try to avoid trading too many markets at any one time. It’s unlikely that you will find the time to fully research a lot of markets. I tend to trade up to five markets at any given time. How someone can trade 20 positions is beyond me. If the markets were to move quickly against your open positions then how do you expect to make intelligent and rational decisions?

5) Consider using a Stop Loss. These are simple trading orders that help you limit your potential exposure. You can add a Stop Loss to your trade when you open the position or at a later date.

A leading financial writer based in London’s financial heartland. Peter Jones is a seasoned commentator on the futures and CFDs spread trading markets.

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Small Business Success

What determines whether a small business succeeds or fails? Well, we don’t have any ultimate answers-yet. Business success usually means creating a possible entity (business) that returns its investment and earns a profit. Every day, new business ventures are created. Some of these businesses will succeed, but many will fall by the wayside. Ultimately, a successful start up business person is someone who opens, manages and runs a successful start up business and can repeat the process. This is someone who has accepted the responsibility and learned how the job is done.

There are certain rules for small business success.

Find a place:

For small
businesses, it is best to find a place. A small company with limited resources can efficiently serve position
markets. Concentrate your efforts on a fairly narrow market offering. This entails sticking to what you do best, and becoming an expert in that field. Don’t struggle to be the lowest cost provider. Look for what makes your product or service unique and adds a special value for the client and charge for that value.

Good financial system:

The most basic system every business should have is a good financial system. Ask yourself how I am going to generate enough income to support myself and my family. Now, you can move on to the business budget and sales planning, so you can see how many sales you need to break even and make a profit.

Produce good quality:

The next principle is that you need to have a high quality product or service. This will be your best advertisement. Second-rate quality products usually generate poor customer satisfaction. A dissatisfied customer can be very dangerous for your business. Usually they tell on average about fourteen other people who will then be disinclined to buy your product or service based on the experience of that one disappointed person. Therefore, always aim for a top quality product or service.

Provide customer needs:

Listen and react to your customer’s needs. Customers need to feel that they are important to you ­ because they are! When you focus on your customers and gain their trust, they will not only recommend you but they will also remain loyal to you. Remember, personal recommendation and word-of-mouth is the least costly yet most effective marketing strategy for your business.

Success planning:

An entrepreneur should understand the power of planning. A good plan helps you increase your chances of succeeding and can help you define your business concepts, estimate costs, predict sales and control your risks. It tells you where you are going and how to get there. Going into
business without a plan is like driving into a foreign land without a road map.

Yasir Samad is a head marketing and SEO consultant for
Hilal Technology. Hilal Technology provides a
wide range of SEO and website design services.

how to save your credit card late fees

A late fee or bill would hover on your mind even when you are on holiday, a business trip or just relaxing at home. Wonder what this fee is? It is your credit card fees. If you fail to pay the fees on time it will cost you a lot. Delaying the payment of your card fees even by few minutes, might cost you approximately $ 39 for every delay. If you do not want to bear this, you must resort to some money management techniques that will help you pay your fees on time and not let you feel the need of credit repair at any time.

For an unpaid bill of $ 250, the companies usually charge a late fee fine of $ 19 to $ 39. Most service providers do not offer you a leniency period. Capital One is probably the only card provider which gives you a three day extension. But most of them do not accept late fees at all. To avoid this situation, you need to plan. The tips given below will help you make your payments on time.


If you make your payments online remember that you would be charged an extra fees for same day transaction. So if you wish to pay via net banking, pay it three to four days in advance. Or else you would try to save on your late fees and in turn end up paying an extra charge with your bank.  For paying the fees via postal mail, keep a safe period of at least 10 days. Never take a risk with postal mail. Usually postal mails fail to reach on time. Phone payments should be the last option. Almost all banks charge you for this service even if you call them 10 days before or on the last day.

Auto payment:

Some banks provide the option of auto payment. Opt for this to avoid any delay in your repayments. This will help you stay away from all worries and still your payments will be on time. However, you have to assure that you have enough balance in your account.

Due Date:

If the due date of your payment comes on such time that you are usually not available at that time, then request for a ‘due date change’. Some service providers allow you to change this date. Choose a date that is easy for you to remember, you have sufficient balance to make payment and does not disturb your schedule.

Use these simple tips and resort to good money management habits.

Eric mayars is profetional expart of Personal credit.he is providing information about small business loans and Angel investors.

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