Last Bank Standing - The Wall Street Mega-Crash

Dateline Washington, October 19th (get it?) 2010: the Peoples Bank & Trust of America has now established itself as the only bank of any kind in the USA, totally owned and managed by the US House of Representatives. A 2/3 majority must now approve all investment banking transactions; your district representative’s staff reviews individual mortgage applications; and all 401(k), IRA, and remaining employer pension assets have been rolled into the Social Security Slush Fund.
Only federal and state elected officials are exempt from the 45% all purpose Income Tax. The estimated time to bring new companies public is 4.5 years; all individual account dividends and interest are paid directly into your IRS “grabber” account; CEO’s salaries are limited to 50% of the amount paid to a first year congressman, and any government budget shortfalls are withdrawn from corporate earnings before any corporate obligations can be dealt with.

All employees receive the federal mandated minimum wage, except senior executives who are limited as mentioned above. Scary? This is a scenario that could play out if Congress (or the SEC) does not come to the rescue of the credit markets. You missed your opportunity to help stop it, but chances are a fix is on its way.

How many more businesses, jobs, and hopes will be killed by this irresponsible Congress? When will the average blogger realize that when a corporation fails, we all suffer? One would think that the informed and enlightened could take time out from their texting for a little research and education. Instead, they show their power by influencing public opinion numbers and the marshmallow politicians who worship them. As economist Irwin Kellner and I have pointed out, this is no bailout and we are not nearly approaching a recession.

Kellner’s September 28th Market Watch article points out ten major differences between now and then: (1) In 1929, the DJIA plunged 40% in two months vs. around 30% in about a year. (2) In 1933, the jobless rate was 33% vs. 6% today. (3) The GDP shrank 25% then, but has increased 6% now. (4) Consumer prices actually fell 30% then but haven’t ever since.

(5) Home prices dropped 30% then, but only 16% from the recent bubbly highs. (6) 40% of all mortgages were in default then vs. only 4% now. (7) 9,000 banks failed in the 1930s compared with just 25 or so (bigger and broader based ones) recently. (8) The Federal Reserve reduced the money supply, (9) raised interest rates, and (10) raised taxes on foreign imports.

Further, Kellner points out, we now have automatic stabilizers, deposit insurances, and market trading restrictions as protective elements. Today’s Congress however, has never been good at connecting dots, has accomplished nothing under an unpopular president, and is ignoring its role as the primary creative force in today’s problems. This transfusion is needed because: bad laws have obscured the values on financial institution balance sheets, and have created a clot in the credit arteries that keep the economy alive.

Educate yourselves on the Accounting Rule’s that require institutions to book paying assets at pennies on the dollar. Find out why institutions are afraid to loan money to one another— over night, at any rate of interest— strangling the credit markets.

Doing nothing is killing jobs, killing companies, and deferring retirements for those who were counting on 401(k) and IRA dollars to provide them with income. Congress, of course has an old-fashioned pension plan, so it is unaffected by such financial realities.

Investigate the relaxation of lending standards that Congress orchestrated over the past few administrations, before blaming the companies that then extended credit to many speculators and other buyers who falsified application papers. Learn how the SEC was prohibited from regulating the CDOs and other multiple-leveraged credit market speculations. There are as many culprits outside the corporate executive suite as in it.

Congress is bursting with pride over bringing some of the Rich and Famous to their knees, and capping some of their obscene compensation arrangements at still shareholder pillaging levels. I’ve spoken often about how these salaries need to be controlled. But the multi-level-mortgage-marketing schemes that Congress encouraged must be unbundled somehow, and a buy out is the proper vehicle.

Congress has punished the entire world with its attack on Wall Street, and both parties are to blame. Representatives of the states listed below voted “no” to the credit transfusion, causing death and destruction that, in many instances, cannot be recouped. We have to replace them with better decision makers, representatives who can think in economic terms when they have to.

The number and letter code after the state designation indicates the number of representatives and their party: AL-1R, AK-1R, AZ-4D4R, CA-15D9R, CO-2D2R, CT-1D, FL-1D13R, GA-4D7R, HI-2D, ID-1R, IL-4D5R, IN-3D3R, IA-1D2R, KS-1D2R, KY-2D2R, LA-2D3R, ME-1D, MD-2D1R, MA-3D, MI-3D6R, MN-2D2R, MS-3D, MO-2D3R, MT-1R, NE-3R, NV-1D1R, NH-2D, NJ-3D4R, NM-1D1R, NY-3D1R, NC-3D5R, OH-3D7R, OK-3R, OR-3D, PA-3D7R, SC-1R, SD-1D, TN-1D4R, TX-8D14R, UT-1D1R, VT-1D, VA-1D5R, WA-1D3R, WV-1R, WI-1D2R (Names withheld, but available from the author.)

On Friday evening, candidates Obama and McCain gave their support to the Capital infusion, but neither bothered to explain why— a huge audience was ready to soak up the information. Over the weekend, both attended meetings to support the plan and to generate support from their respective parties.

Is there enough time left to find a hero?

Online Trading, an Option for Transnational Trade

Global deal is exchange of capital, trade goods, and services across transnational frames or territories. In the most of nations, it acts a significant percentage of gross domestic product (GDP). While transnational switch has been represented throughout lots of history (see Silk Road, Amber Road) the economic, cultural, and policy-making importance has been along the rise in last centuries. Industrialization, manufacturers, advanced transportation, globalization, international corporations, and outsourcing are completely having a major affect on the global trade scheme.Trading globally makes consumers and nations the chance to be exposed to trade goods and services that are not available in their personal nations. Almost each form of product can be seen on the transnational market: food, dress, spare parts, oil, jewellery, wine, stocks, currencies and water. Services are as well traded: tourism, banking, consulting and transportation. A product that is sold to the transnational market is an export, and a product that is bought from the transnational market is an import. Exports and Imports are calculated for in a country’s ongoing account in the balance of payments.

According to the U.S. Department of Commerce, big companies gain up approximately 4 % of U.S. Exports which signifies that 96% of exporters are small companies. Why is transnational trade so crucial to scratch small businesses? In several cases, the products or services you may care to market are not accessible or created in your domicile area. For good example, consider about selling cashmere sweaters. You may need to turn an importer in order to compete with imported products sold by your competitors.

Online business can frequently start trading internationally with very little effort. The internet has transformed things. Your site can be your shop window in some number of nations. You don’t require a physical front in each territory to deal there.

A Study by Georgios Papastamkos, MEP on Worldwide Trade on the cyberspace emphasised that the online circumstances for small and medium-size enterprises are especially good since they give more opportunities to get across conventional commercial schemes rather than they had even a . Enterprises are effective to prepare their internet sale points easily, rapidly and at small cost, thereby reaching a higher stage of competitiveness.

If your business is running in a niche, with a relatively smaller internal market, looking to another nations can help you widen your audience with surprisingly little effort. And if your trade goods or services appeal to a larger audience, moving into outside marketplaces gives you the chance to reach a wide number of potency recent clients. It could actually rise your receipts and profits.

Still, in a bigger market there will be more competitor from local companies. It can be heavy to equal up on price or fulfilment when sending internationally, so you might let to modify your proposition to have an touch.

It’s not only for producer but for consumers are also receiving profits by online trading,. Since they enjoy a very large option between commodities and services, competitive pricing, lower living costs and a improve excellent of life, they as well don’t require to go out to surf all products and services even from wholesale suppliers. They are now better able to compare merchandises and services since they gain access more data on online trading.

Are Traditional Banks Better Than Internet Banking?

With the ubiquitous internet as it is today, you have the convenience of doing a variety of banking transactions online from the comfort of your home, in your office or while traveling. This extraordinary technological creation has so made life easier for a lot of people including professionals, the business community, housewives and scholars even for banking purposes. Notwithstanding, this new communication phenomenon people have not stopped patronizing the usual off line banks . The orthodox banks will always be there for those people who still choose to interact in an real bank in where they see staff and call them by name.The banks that have gone online and their offline counterpart have their advantages and disadvantages. It’s up to you to consider and decide whether to transact your financial affairs with either an online bank or an off line one . What really count s is that you should know your financial demands so as to be able to actually be on the look out for the latest tendency in the banking industry and understudy them to see how it favors you. Even if you are loyal to your usual offline bank, you may also have the need to sometimes use the online banking service for an urgent transaction or when you are where the bank is not near by.

Accomplished banks continue to use pen and paper for organizing financial transactions off line while in their online virtual offices computer and internet and keyboard are the instruments for banking transactions . The fact is that a lot of people are now online with financial products that are internet-only services meant to compete with the normal off line banks . Though these conservative banks cater mainly to their old customers, people who should know are advising them to also open online offices to serve the internet-savvy young people and by so doing attract more customers

Security and person to person interactions are the main reasons people maintain the use of traditional banks. A lot of people feel that human contact is a necessity in any bank transaction; they want to hand their hard earned cash over to real teller.

Banking online is quite the same as when you do the same thing in an offline bank. The significant dissimilarity is that your computer replaces paper or phone for accessing your account information for payments and statements reconciliations . You don’t really have to worry about going to your local bank branch when you can do all the things necessary to effect a bank transaction in the comfort of your home with a desktop computer or laptop and internet connection.

A principal advantage that internet banking offers people who go for online banking is cost effectiveness. Certain banks are known to charge their customers lower fees if the bank online banking services.

Make Money Online Fast Secrets?

Interested in make money online fast secrets? Are there any?

The Secret On How To Make Money Online Fast With Not-So-Conventional Jobs.
Ever notice that when you type in the words, “make money online fast” on the search bar, the top results almost always end up with an affiliation marketing scheme or online forex trading, or some off the wall scheme with e-books and software you have buy? Ha! If only their promise of making money fast is as fast as you want it to go. Truth is: there really is no make money online fast scheme that works in an instantaneous moment. There should always be some time allotted to setting up the business and waiting for the business to roll. There is also a period of adjustment where you complement your business’ needs to that of your intended market. So the word “fast” is actually relevant here.

However, if you like to see the results immediately… actually see the compensation from the sweat of your brow, you could try these not-so-conventional jobs to make money online fast.

1. Become a virtual worker. Hey, you could always go to the office everyday and perform the same repetitive tasks day in and day out. Or, you could do the same job at home, and still get paid. A virtual worker these days can be an accountant, a writer, a software developer, a website developer, a personal assistant, a graphic designer, a medical transcriptionist, a lawyer … you name it. Being a virtual worker has many advantages. For one thing, you skip with the commuting and paying for the gas thing. No need to dress up fancy either. If you are working on a project basis, you can work on your own time. If you are working on a per hour basis, you can actually get more work done because you do not have to do weird errands for your employers like picking up their dog from the vet (not that this is a requirement from everyone.)

Disadvantages to being a virtual worker (aside from the fact that you cannot have health benefits and company insurance and attend office parties) is the fact that you are competing with other virtual workers for the same job opportunity. Somewhere out in the vast niches of the World Wide Web, another virtual employee may be offering lower rates, faster services and better performance. So if you want to take part of this foray, you need to up your skills a bit and subscribe to one or more sites that can help you match up with prospective employers. You can start off by registering at Elance (www.elance.com) or literally going to company sites that are looking for virtual workers.

2. Become a blogger for hire. No, no, no… we are not talking about affiliate marketing here, although technically, the latter is one form of being a blogger for hire. The Web 2.0 world is now taking a different view of the words “blogger for hire.” Some marketers are now actively searching for bloggers who will write positive reviews (and only positive reviews) of the wares they want to promote. One advantage to this kind of work is that you actually get paid per post. Every piece you write corresponds to a deposit to our e-account or bank account. In other cases, bloggers are not paid in cash, but given a free sampler of the product he or she is supposed to write about. I mean, what’s so bad about writing positive reviews about a laptop in exchange for a laptop?

One of the major disadvantages to this practice is the fact that a lot of people are still wondering if this is ethical to begin with. And yet again, you will be competing with other bloggers for hire for the same job description.

The importance of reading forex broker reviews

If you’re interested in forex trading, then you need to find a good broker. In order to trade successfully in the foreign exchange market, it’s very essential that you consult with the best broker you can find. Forex brokers will keep you informed on the latest ups and downs in foreign economies so that you’ll know where your money needs to go.

So how can you get a hold of a forex broker? By reading reviews about each individual and/or financial institution involved in foreign exchanging. Your best bet is to go with a forex broker that is registered with an important financial institution or bank. You need to get in touch with the National Futures Association if you’re unsure. You can also read forex broker reviews online.

Since a lot of buying and selling in the forex markets is done online, it comes as no surprise that there are many forex brokers available online as well. It’s very important that brokers and their clients stay in contact every single day, therefore you need to read forex broker reviews to find out which ones are easy to get a hold of.

A forex broker review will provide you with a lot of information about a particular broker or brokerage company, so you’ll obviously want to choose one that has positive feedback from other clients. The review will include information about whether or not the forex broker is registered, has good credentials, is experienced, and so forth. Take note of the positive forex broker reviews so that you’ll know who you can trust with your money. Likewise, avoid the brokers with negative reviews.

Find out more about forex broker reviews and how they can help you by clicking on the link. Remember, if you want to find a lot of success with forex trading, then you’ll need to work with an expert broker. Read the reviews now and get started!

Mini – forex brokers

With the advent of technology, it has become possible for new and small investors to start currency trading. These investors do not have the huge capital that a conglomerate or an MNC (Multi-National Company) has. Therefore, such small investors are given an option of opening a mini forex account.

Mini-Forex Brokers allow investors to open their forex accounts by putting down a comparatively smaller down payment. The minimum requirement for actual forex trading is $100,000. Mini forex brokers may accept contracts as small as $10,000. Also, the margin in real forex trading is 1%, where as mini accounts may operate at around 0.5%. Many mini forex accounts can be opened with a deposit as low as $100.

A mini-forex broker offers the investor a quick and inexpensive way to trade from the comfort of home day and night. All the specifications remain the same, except that these trades are operated from a mini forex account.

For beginners, many online websites of these brokers offer demo or trial accounts that help the investor practice trading skills. These accounts also help increase the understanding of the functioning of the real time forex market.

Mini-forex brokers often guide their customers regarding the best trading options that could yield the most profit. The major factors to consider while choosing a mini forex broker are feedback from other traders about the broker, if the broker has insured his client’s funds and the amount of commissions charged.

A trader’s success in forex trading depends on the information they possess. Brokers keep traders informed of market fluctuations, which help them to take maximum advantage of the forex market.

Forex broker involvement optional

To trade on the forex market, the largest financial market on the planet, one must use a forex broker. Not unlike a stock broker, a forex broker can also makes suggestions about which moves to make when exchanging foreign currency. Some forex brokers even supply technical analysis to some of their clients and offer tips on research to improve their success as forex traders.

Typically in the forex market a forex broker is a banking institution who may buy up large amounts of a certain currency. For years, banks were the only ones who had access to the forex markets. But today with the Internet, any forex trader, who subscribes with a forex broker, can access the market 24 hours a day.

Today, as with stock brokers, the brick and mortar institutions, such as banks, are less of an option for the individual forex trader who works from home, monitoring the news and gaining insight into certain technical information to help with his or her trading decisions.

Choosing a forex broker may depend on your needs. If you are new to the field, there are houses, or online forex brokers who may cater to your needs, providing in-depth research, ample time to demo their product and so on. Other forex brokers are geared toward the experienced online forex trader. They too offer advice, but may be less likely to offer instructional help with the information, assuming that you may already know how it may or may not benefit you when you read it. It is advisable to read about and even run a demo on several different online forex brokers before going with one.

Forex broker

A broker is any person or firm that charges a fee in exchange for executing trades for a trader. A Forex broker does not charge a commission for placing a buy or a sell order the way a real estate broker would charge a percentage fee of the total price of a sale. A Forex broker is paid according to the spread – or the difference between the trader’s bid for a currency, and the seller’s asking price for that currency. Usually this spread is less than 0.1% or ten pips. (Pips are the smallest movement a currency can make on the Forex. Pips are commonly called referred to as points.) The lower the spread, the less a trader pays a Forex broker for a trade.

The Forex market is global and does not have one central regulatory agency like the Security Exchange Commission. Each country is responsible for the actions of trades in it’s own country. A Forex broker in America must register with the Commodities Futures Trading Commission (CFTC). While traders are not regulated, Forex brokers are. A Forex broker must be registered as a Futures Commercial Merchant (FCM) before that Forex broker is allowed to accept a deposit for an account from a trader. Once registered, a Forex broker is given an identification number so that a trader can check the status of a Forex broker before hiring that Forex broker. There are such people known as introducing brokers who may solicit traders for a registered Forex broker, but the introducing broker cannot accept a deposit for a trader’s account. It is a good idea for any trader hiring a Forex broker to check the status of the Forex broker with the authorities.

A comprehensive forex broker register

A comprehensive forex broker list includes investment banks with dealing rooms, commercial banks with treasury operations, and online brokerages that serve a larger market. The investment banks with forex trading capabilities include Morgan Stanley, Merrill Lynch, Goldman Sachs, Salomon Smith Barney, Lehman Brothers, Credit Suisse First Boston, Deutsche Bank, JP Morgan, Prudential Securities and Bear Sterns.

Some of the brokerage services are not directly accessible for all customers. For example, inter-bank market dealers and treasury operations in commercial banks handle large customer orders themselves.

The top commercial banks in the Forex Broker List, having inter-bank and treasury operations, are JP Morgan Chase Bank, Bank of America, CitiBank, Wachovia Bank, Wells Fargo Bank, Fleet Bank, US Bank, HSBC Bank, Sun Trust Bank, Bank of New York, State Street, Chase Manhattan Bank, Key Bank, Branch Bank, PNC Bank, Lasalle Bank, South Trust Bank, MBNA America Bank, Fifth Third Bank.

The online forex broker list of smaller forex accounts sees new entrants almost on a daily basis.

The online forex broker list includes Forex Capital Markets, MG Financial Group, CMS Forex, Global Forex Trading, GCI Forex Direct, Forex.com, GAIN Capital, Real time Forex SA (Geneva), Global Forex, Commerce Bank and Trust, FX Solutions, Forex MHV, swissDirekt (Swiss), Goetz Financial Forex, NY Broker Borsentermin AG, Act Forex, Online Trader, Shield FX Online Currency Trading, Forex Trade Signals, CMC Group PLC, Foreign Currency Direct Limited (UK), FX Advantage, FXCM, Forex Millenium, ACM REFCO, REFCO Spot, Easy Forex, Online Forex Trading Inc., Lincoln Corporation, Global Trade Waves, Ltd., and CIBC FX Web Dealing.

Forecasting Forex Trading

What is Forex or Foreign Exchange: It is the largest financial market in the world, with a volume of more than $1.5 trillion daily, dealing in currencies. Unlike other financial markets, the Forex market has no physical location, no central exchange. It operates through an electronic network of banks, corporations and individuals trading one currency for another.

What about Forecasting: Predicting current and future market trends using existing data and facts. Analysts rely on technical and fundamental statistics to predict the directions of the economy, stock market and individual securities.

For those who trade using the Forex, or foreign currency exchange, knowing how to forecast the Forex can make the difference between trading successfully and losing money. When you begin learning about Forex trading, it is vital that you understand how to forecast the Forex trading market.

There are a few methods that are used when forecasting the Forex. Each system is used to understand how the Forex works and how the fluctuations in the market can affect traders and currency rates. The two methods that are most often used are called technical analysis and fundamental analysis. Both methods differ in their own ways, but each one can help the Forex trader understand how the rates are affecting the currency trade. Most of the time, experienced traders and brokers know each method and use a mixture of the two to trade on the Forex.

One method used in forecasting foreign currency exchange is called technical analysis. This method uses predictions by looking at trends in charts and graphs from past Forex market happenings. This system is based on solid events that have actually taken place in the Forex in the past. Many experience Forex traders and brokers rely on this system because it follows actual trends and can be quite reliable.

When looking at the technical analysis in the Forex, there are three basic principles that are used to make projections. These principles are based on the market action in relation to current events, trends in price movements and past Forex history. When the market action is looked at, everything from supply and demand, current politics and the current state of the market are taken into consideration. It is usually agreed that the actual price of the Forex is a direct reflection of current events.

The trends in price movement are another factor when using technical analysis. This means that there are patterns in the market behavior that have been known to be a contributing factor in the Forex. These patterns are usually repeating over time and can often be a consistent factor when forecasting the Forex market. Another factor that is taken into consideration when forecasting the Forex is history. There are definite patterns in the market and these are usually reliable factors. There are several charts that are taken into consideration when forecasting the Forex market using technical analysis. The five categories that are look at include indicators, number theory, waves, gaps and trends.

Most of these can be quite complicated for those who are inexperienced using the Forex. Most professional Forex brokers understand these charts and have the ability to offer their clients well-informed advice about Forex trading.

Another way that experienced brokers and traders in the Forex use to forecast the trends is called fundamental analysis. This method is used to forecast the future of price movements based on events that have not taken place yet. This can range from political changes, environmental factors and even natural disasters. Important factors and statistics are used to predict how it will affect supply and demand and the rates of the Forex. Most of the time, this method is not a reliable factor on its own, but is used in conjunction with technical analysis to form opinion about the changes in the Forex market.

For those interesting in being involved with Forex trading, a basic understanding of how the system works is essential. Understanding both forecasting systems and how they can predict the market trends will help Forex traders be successful with their trading. Most experienced traders and brokers involved with the Forex use a system of both technical and fundamental information when making decisions about the Forex market. When used together, they can provide the trader with invaluable information about where the currency trends are headed.

Always leave the forecasting to the pros unless you are playing the Forex as a hobby and don't have a lot of money invested...Or like most people you will learn the hard way.

How Are Interest Rates Set?

How are interest rates set -- a common question received by those who broker loans. The first thing most clients or prospective clients will ask is "how are rates doing?" Or, "what rate can I get?" It's understandable as the interest rate determines in large part as to what your monthly payment will be. Fundamentally, the interest rate is what you pay the lender in exchange for their lending you the money for your home loan.

How Are Rates Set?

So, how are rates set? Generally speaking, the longer the loan the more the risk to the lender and consequently the higher the rate. Of course, it's not as simple as that for there are a number of factors that determine how rates are set. Here's the nitty-gritty as to how your California home loan interest rate is set. There are three fundamental forces that determine interest rates in the United States. They are:
The Federal Reserve
The Bond Market
Multiple Forces in The Economy
The Federal Reserve
The "Fed" as it is commonly called determines US monetary policy for the entire country. There was no central federal banking system in the US from 1783 to 1913 but that all changed with the Federal Reserve Act of 1913. Ostensibly, it is the central bank of the US. Don't let the term "Federal Reserve" throw you -- it is NOT a federal US government institution or department.

It is a privately-held organization. There are 12 regional Federal Reserve System banks throughout the US. In addition, the Federal Reserve seeks to constantly adapt its various monetary policies in a concerted effort to combat inflationary and deflationary pressures brought about due to changes in the domestic or global economy. The Federal Reserve Board members meet eight times a year and generally only changes rates during a meeting. The 12-member Federal Reserve Board can control interest rates by changing the rates it charges banks to borrow money.

Here's how it can influence rates. The Federal Reserve loans banks funds from their district Federal Reserve bank who pledge their commercial paper as collateral. The Fed essentially charges the borrowing bank interest on the loan. This is called the discount rate. Banks or lenders then lend the consumer or borrower money charging their primary interest rate. The implications are self-evident. The higher the discount rate the Fed charges the bank, the higher the primary interest rate will be to the borrower as the bank wants to meet the minimum requirements as well as make a profit.

Many people think that when they hear the Federal Reserve Chairman make a monetary policy change with the Prime rate, it automatically affects interest rates. Not so. The Prime rate increase or decrease may affect a Home Equity Line of Credit (HELOC), but it wouldn't affect interest rates. Interest rates also fluctuate with the various loan programs available to the borrower. (For more information on Loan Programs within this site, please click here.)

The Bond Market

The bond market fluctuates on a daily basis and is a major determinant in the setting of interest rates. In fact, one can actually guess with an astonishing degree of accuracy as to any movement within a business day if there will be a rate adjustment, whether up or down, based on what the bond market is doing, specifically the 10 year bond. For clarity's sake, there a couple of different bonds that affect interest rates. They are:
The 2 Year Bond
The 5 Year Bond
The 10 Year Bond
The 30 Year Bond
The primary bonds that affect interest rates are the 10 year and the 5 year bond. To see actual, real time fluctuations in the bond market, go here at http://money.cnn.com/markets/bondcenter/ to see current prices for bonds. This is the one I view daily. The bond market is highly volatile. How do you read the graphs so as to know if interest rates will have a spike downward or upward?

While looking at the 10 year price graph (the farthest one on the right), if the 10 year price has a massive swing upward from say 99 28/32 to 103 28/32, rates most likely will have a decrease from current levels. On a daily basis, California loan agents receive rate sheets from lenders (we work with over 400 lenders so they are plentiful).

If the bond market fluctuation merits an increase or decrease in the loan broker's yield spread premium (their rebate), it will in turn affect the interest rate that is quoted to a client, which in this example would be a lower rate. If the bond price doesn't have much of a fluctuation during a normal business day, the rate will not move. Every day, in the morning, rates are received in the office. If a price adjustment is required, the primary lenders will immediately issue an adjustment rate sheet to their broker partners.

As I've said, interest rates are set based on the yield in the bond market at any given time. Let's show an example. If, for example, a $100,000.00 bond falls in value to $95,000.00, the corresponding yield (return) is significantly higher. Because the yield is higher, the prevailing interest rate that is set for the mortgage must offset the higher yield and provide a return on the mortgage for the lending institution. With all things being equal, the rates on fixed rate mortgages would tend to rise.

Multiple Forces in The Economy

There are many factors influencing interest rates for your California home loan in the US economy. Higher interest rates can cause fluctuations in the stock market which in turn affects the bond market. In fact, the bond market and the stock market are opposite sides of the same coin. One can't move without the other. If the US Dollar rallies, bonds dip; when oil prices dip, bonds can as well. Generally speaking, when the bond market is up, the stock market is down. In addition, if economic news is worse or better than expected, it will cause a fluctuation in the US dollar currency pairs in the spot Foreign Exchange market (the FOREX), which can affect the bond market and in turn rates.

A quick example. A couple of weeks ago from this writing, the US New Jobs report was projected at 350,000 -- it only came in at 10% of that or 35,000. Once the report was announced, literally IMMEDIATELY the GBP/USD currency pair (Great British Pound and US Dollar) spiked upward. The GBP dramatically increased in strength with the US Dollar becoming weaker. One FOREX trader I know literally made $3,500 in five minutes as he projected the claims to be much less than expected.

Also, interest rates dropped that day due to the lackluster jobs report. Coming into the office that day, a wise loan agent would have locked some loans or at the least knew interest rates would had gone down that day. Truly, the US economy is a highly interdependent organism that is very fluid and dynamic -- it is never static or motionless. Some of the key economic indicators that affect the economy, and in turn interest rates, are:
Durable Goods Orders
New Home Sales
US Trade Balance
Jobless Rate
Weekly Initial Jobless Claims
Fed Chairman Greenspan Speech Before Congress

The key economic indicators that can affect the bond market with corresponding fluctuations are:
Consumer Confidence
Retail Sales
Manufacturing Activity
Industrial Production
Jobs Growth
Inflation

There you have it. There are many forces at work in determining what your rate is on any given day. So the next time you ask a loan agent, "what are rates like today?" You'll see there's a lot behind it.

What to Learn As a Forex Currency Trading Beginner

If you are a Forex currency trading beginner, your first order of business is to get yourself informed. Forex trading can truly be highly profitably. However, without knowing its essentials, you will not earn one single dollar from it and may even lose your investment.

Do you know that the Forex market is the biggest financial market in the world? You may think that the stock market is big enough, but it can not quite measure up the size of the Forex market. Even if you add the futures market to the stock market, the Forex market would still have a bigger amount of money being traded every day.

In the past, the market was a playing field only for the big shots who could present millions of dollars before they were allowed to trade. Today, the presence of online trading companies has opened the FOREX market to those who do not have millions but could afford to dish out thousands of dollars as beginner traders.

In its simplicity, Forex trading is to buy and sell different currencies in the world. You buy one currency while sell another. As such, currency trading always involves pairs, and quotes of currencies also come in one currency against another. The major players include the U.S. dollar and the Canadian dollar (USD/CAD), the Euro and the U.S. dollar (EUR/USD), the U.S. dollar and the yen (USD/JPY) and the Australian dollar and the U.S. dollar (AUD/USD).

The advantage of Forex trading is multi-folded. The transactions are fast because everything is electronic. You also are assured that there are often people who would want to trade with you. This is simply because there are so many people who are trading everyday and every hour of the day. You can buy and sell at anytime whenever you want to.

Perhaps the biggest attraction of Forex trading is its leverage. With a nearly unbelievable ratio of 200:1, you leverage capacity is simply huge. With very minimal initial cash you can already manage a large amount of currency. This is probably the main reason why the market is quite attractive for those who want to increase their earnings impressively.

It is wrong, however, to think that you can immediately get rich in Forex trading. People can lose too in currency trading. Those who do are often those who act impulsively with the hopes of getting rich instantaneously. If you do not take the time to learn the inner wheels of Forex trading and the technical aspects of leveraging, then you could lose everything you have put into currency trading.

For any Forex currency trading beginner, the best way to dive into this game is to get well-prepared in terms of knowledge, practice, budget and psychology. If you are just an average player, you can pick an online company who offers virtual trading with imaginary currencies without any substantial cost or loss on your part. So, position yourself as a beginner and start by playing small, you can improve quite quickly and steadily.

Forex Online Trading Course

Are you looking for a highly successful Forex online trading course? This trillion dollar market is the largest volume trading market in the world, with money changing hands between a wide variety of participants every day that includes large financial institutions, investment firms and small investors like you and me.

Most of the currency rate movements are caused by the large financial players due to changes in demand and supply in different currencies. As these transactions are being made, smaller investors like institutions and single investors can profit from the activity by speculating in the direction of movement of the currency rate.

1. Signing Up for a Forex Online Trading Course

Before you can expect to make any money from the currencies market, you should get a good education first by joining a Forex online trading course. These types of courses will give you a good idea of how the markets work in general and help you realize the dangers as well as the potential profits that can be made trading the Forex.

2. Profiting with Forex Automated Trading Software

If you have absolutely no experience but you want to start making money immediately, you can choose to download automated software that can start making money automatically while you learn how it trades the market.

3. How to Start Profiting from the Forex Market?

You will need to sign up for a live account to start making real money with Forex trading. If you have no idea of how your trading system works yet, you should get a demo account to practice on it and get familiar with it first.

4. How is Forex Online Trading Different from Trading other Financial Markets like the Stock Market?

The currencies market is much more liquid and provides much more margin for profit due to increased leverage. It is extremely liquid compared to the stock market, and you can be sure that your trades will be successfully executed as there are always buyers and sellers, unlike certain stocks that can be very illiquid.

Currency Exchange Terms Every Forex Trader Should Know

Before jumping into the forex market, you need to arm yourself with some terminology that will be used in any course or software on this subject. The following set of terms were put together with the idea of providing the novice forex trader with the fundamental concepts of the forex trading business. While they sound technical, most are easy to understand and apply.

Let us begin with the instruments that are traded in the forex markets. Currencies are traded in pairs so the instrument will always be in this double denomination. The reason for this is simple; the basis of forex currency trading is to exchange one currency for another. So if the pair is the Euro and the US Dollar, and the forex trader is taking a long position or buying the Euro in hopes that it will appreciate, effectively the trader is also selling US Dollars to buy the Euros. The most widely traded pairs are the Great Britain Pound and the US Dollar (indicated as GBP/USD), the Euro and the US Dollar (the EUR/USD pair), the Aussie Dollar and the US Dollar (AUD/USD pair), the USD and the Japanese Yen (USD/JPY pair), and the Canadian Dollar and the USD (USD/CAD pair). These pairs account for well over 80% of the total volume of the trading in the forex market. The advantage to trading in these currency pairs is that they are highly liquid and allow the investor to convert their portfolio to cash very quickly to realize a profit.

In every pair, the first currency is called the base currency, over which the second one is countered to imply the price of the pair, or commonly referred to as the "cross currency". The second is therefore called the quote currency and the pair price is recorded in terms of the units of the quote currency required to buy one unit of the base currency. Thus, assuming the price of the GBP/USD pair is 1.5, this implies that 1.5 USD will buy 1 GBP.

Every pair is quoted in terms of a bid ask spread. The bid price is the rate at which your forex broker bids to buy the currency at, while the ask price is the rate the forex broker is asking to sell the currency to the forex trader. The bid price will always be less than the ask price and the forex trader will buy at the ask price and sell at the bid price. The bid ask price will be quoted as: GBP/USD 1.532/5, meaning the bid price is 1.532 and the ask price is 1.535.

A pip price interest point), as it is commonly called, is the smallest incremental change a currency pair will experience, for instance, a change in the GBP/USD price from 1.532 to 1.542 is a change of 10 pips. A trading margin is a deposit which is a minimum amount or a small percentage of your traded amount that you have to put up. The remaining amount is supplied by your broker. This amount can vary from 1% to 0.25%, also referred to as 100:1 and 400:1. Most often, forex brokers will offer 100:1 or 200:1 to most clients. This is risky but enables the trader to leverage a large amount that he or she would not otherwise have access to.

Finally, a margin call can happen when the forex trader allows the balance in the trading account to go below the margin deposit percentage agreed upon with the forex broker. The broker will automatically sell your long positions or buy your short positions and clear the entire trading account, returning the margin amount to the trader to protect the trader from losing more money than they have.

Best Forex Trading Education

There are many forex trading courses and educational material that a person can find online. However how does someone go about finding the best Forex trading education information? Certainly there are huge amounts of information that will educate you about Forex trading, but not all of it will help you to achieve your goals of making a profit rather than losing.

Below are some guidelines which should help you to find the best forex trading education course

Point 1 - Avoid Day Trading Systems

Many people when starting out in Forex trading will be enticed into thinking that the best way of making money is through day trading. Certainly if you were to ask a person who is selling a Forex trading course for details relating to their real time track record with regard to profits relating to day trading they will not be able to provide one to you.

So if you are looking to produce an income from your trading then do not waste your time on day trading.

Point 2 - Real Time Profit Records

When buying any sort of forex education course, you need to be provided with these records. If a person selling their system does not have confidence in the abilities of their system and are not investing their own monies then why should you. Unfortunately some of these courses being offered online today are from people who have either never traded in their lives or have failed when they have used the system themselves.

Point 3 - Understand It

Once you find a forex trading system which either has a track record or is willing to show their real profits then there are some other things which you will need to take into consideration.

It is important that you learn everything you can about the system in question so that you understand it completely. Unfortunately if you have no understanding of how the system works then you will not have the confidence to trust in it and follow the system through to a likely conclusion if you start to suffer losses.

By keeping these points in mind, you will find the best Forex trading education
that is suited to your kind of personality. There are literally hundreds of places on the web that can offer you an education as well as free advice on Forex trading so do some investigating and you will soon find one that is ideal for you.

Forex Trade Affiliate Programs

Forex trading is already a much liked business by many people. And with the latest affiliate programs that have come up, it is attracting more and more people. Affiliate program requires like-minded people to get together. Similarly, trading in forex market affiliate program would require similar people taking alike practices for investment. A stronger forex affiliate would mean traffic generation for the site. Trading with the use of affiliate program has always been considered as a profit-generating stratagem. Forex trading in itself is a much desired-for trade and affiliates would enhance the credibility and yielding too. To wrap it up, forex affiliate implies investors who have stood together to work collectively for multiplied profits. And the fact that multiplied profits are appealing is undeniable. Trading in the foreign exchange market makes the trader believe that he can earn assured profits by investing less and investing when he wants. In the similar way, affiliate programs also attract traders who want maximum returns. To start with a forex affiliate program, the trader has to decide up on the product or service he wants to market and after putting it online, he just needs to wait for other traders to recognize it and get registered. The more the number of associates, the better the profit is the dictum here.
With so many affiliate programs online, the trader can go with any one and the decision is eased with forex trading software. The software assists the trader in choosing the best affiliate program for growing success. It gives guidelines on the usage and techniques to bring in maximum revenue. The software is easy to use and the traders can maximize profits out of it. It not only tells the market position but advises the trader on what affiliate program will be most benefitting. The forex affiliate programs have made earning easier for the forex traders by improving their avenues. Now, the trader can be associated with any of the affiliate programs out of the numerous available. Affiliate programs give the trader unlimited opportunities to accrue long lasting benefits. This has proven to be the best trade for the online investors.

With online forex trading on the rise, there are more and more forex affiliate partners who are ready to invest in these programs in order to gain profits. The trader is just required to apply the trading strategies appropriately here in the same manner as he does in any other form of trade.

OPERATE OVERSEES STOCK EXCHANGE

Week before last, the Minister of Finance and National Economy (MFNE), Mr. Zubeir M. Hassan, withdrew the regulatory powers over Khartoum Stock Exchange (KSE) delegated by him to the Central Bank of Sudan (CBS) in January 2006.Such regulatory powers were passed to the CBS on the request of the CBS and on the basis of the recommendations of a joint IMF/World Bank. No reasons were given for such withdrawal .KSE has been overseen by a board headed by the Minister of MFNE and the deputy is the governor of the CBS, in addition to other members. This board was supervising the operation of KSE for the last 12 years and very successfully. During the tenure of this board KSE by cross listing Sudan Telecommunication Co. (Sudatel) in the Gulf markets was able to attract a considerable size of Arab investment into Sudatel as well as the banking sector. These regulatory powers were given to the CBS and taken away from it without any visible reasons. However before proceeding to analyse the nature of these changes, it will be of both academic and practical interest to provide a background to the establishment of KSE which is now one of the most important and visible financial institution in Sudan and also an important emerging market in the Arab and African regions. . Thinking about establishing a Securities Market in Sudan started as early as 1962 during the regime of late General Abboud. A good number of studies were undertaken and were initially started by the MFNE at that time in consultation with the Bank of Sudan and the cooperation of the International Finance Corporation (IFC) which is an arm of the World Bank. The idea did not get through and it was abandoned. In 1976 during the regime of Nimeiri an act to establish a Securities Market was prepared and was handed over to the Peoples’ Assembly which passed such an act to the Attorney General’s Chamber.. Ironically enough this Act remained in the offices of the Attorney General’s Chamber and was only passed in 1982!! Obviously the act could have come to the surface during Nimeiri’s time because from its very inception Nimeiri started with nationalization of the banking and trading system in 1970 and the adopted socialist planning. A decision which left its mark on the course of Sudan’s economy for many years to come. In such a situation the idea of a Securities Market which is a capitalist instrument would not have found its way to application. Therefore, the Act to establish a Securities Market was only passed in 1982. Even then and with the prevalence a heavily loaded public sector culture the idea of a Securities Market would not have found its way to the surface. Between 1962 when the idea was first conceived and 1982 when the Act for a Securities Market was conceived nothing came through because of the unstable economic policies during the period and the continuous changes in governments alternating between military and civilian rule. From then on and until 1992, no attention was given to the idea of establishing a Securities Market because the whole environment was preoccupied with the problems of governance and political stability which is a precondition for any meaningful development.

History Of Currencies Exchange Trading

The History Of Currency Trading: This makes the program great for those who have full time jobs or for people who want to be more active in their trading. Mining stocks are a way to invest in individual companies that mine precious metals, and get more info about The History Of Currency Trading below. The money it will receive from France will not be of any use in USA.

Considering the complicated nature of stock trading no human brain in the world can work as fast as the FAPS in securing your shares paying for it and doing everything all over again - all in the same day. Since then it has been heavily embraced by experts beginners and critics alike for all of the aforementioned reasons. This promotes a large leverage which can lead to a giant swing between profit and loss. These contracts can lock in the anticipated change. See more on The History Of Currency Trading and Truth About Forex Automoney.

See more on The History Of Currency Trading. Understanding foreign exchange trading is key to becoming successful in this particular business. investment decisions are quickly changed into market movements and trading is done in real time. This market dwarfs all of the US stock exchange markets combined. Get more info about Currency Swaps Quotes

Meanwhile a forward contract is customizable so that it would be able to meet the needs of customers. There are a lot of big banks and firms trading that use software so this allows the individual trader to level the playing field, also see more on The History Of Currency Trading. People who invest and trade in the foreign exchange market can make or lose as much money as they are willing to gamble since the foreign exchange market is operational for twenty four hours a day. Also see more about Managed Forex Account. Having a natural affinity for conducting business is important because once you have this it will be a lot easier for you to figure out how you will play the field.

Forex Currency Exchange

Forex Currency Exchange Rate and How to Get Forex Success With the Rates.

If you are an active trader in the Foreign Exchange Market or the Forex, then you know the value of being regularly informed or updated of the current Forex exchange rate . Forex exchange rate is highly volatile. The exchange rate of a trading currency at one given time will not be the same the next day. To simplify the concept, theForex exchange rate of let’s say the Japanese Yen is 100 yen to 1 United States dollar, what it means is that 100 yen is equal to the value of 1 U.S. dollar. How do Forex traders profit from aForex exchange rate ? A trader buys a currency at a certain amount or exchange rate . The difference between the previous rate and the new rate when the currency was sold or exchanged is the profit that the trader made.

Forex Markets Worldwide Tips & Information

Forex is also considered by the name foreign market exchange or FX. Those concerned in the foreign exchange markets are usually the biggest, most wealthy business organizations and banks from around the world. They trade in multiple currencies from many countries to create that balance between those who will profit and others who might in all probability suffer fantastic losses. The fundamental principles of forex are similar to that of the stock market found in any country, only much bigger and complex. Forex dealing involves individuals, monies and transactions from all across the globe between every last country.

Currency rates rise and fall on a daily basis so the measure of the dollar on one particular day of trading could be higher or lower the next. Forex trading can be hard to keep track of so you must dedicate yourself to watch closely or if you are investing huge amounts of money, you could lose large amounts of money. Primarily, trading in the forex exchange occurs in Tokyo in London and in New York, but there are also many other locations around the world where forex trading does take place.

What is FX trading?

Currency trading (or FX trading) is the act of exchanging one currency for another in an attempt to create a profit when exchanging it back at a later time. The FX trading market is the largest trading market in the world, trading 1.9 trillion dollars daily. This gives the investor a very high liquidity, and in turn, quick execution. This, and fact that the FX market trades 24 hour a day, makes FX trading attractive to the potential investor. Since the first brokers used the internet for instant execution, smaller investors with a smaller capital (as little as 250 USD) are able to participate in FX trading, which before was reserved for larger institutions such as banks.

The participating public has grown since the birth of online FX trading, and shows no end in sight for an emerging and lucrative investment opportunity. The currency market is a very unique market; it offers many conveniences in a high leverage environment. The trading volume of the FX trading market exceeds any other market in the world, as does its total daily money traded (1.9 trillion). Because the market has the highest trading volume, trades can be executed in a quick OTC manner. This, and the Internet, give birth to online FX trading which allows traders to quickly buy or sell currency on a small amount of money at a high leverage (1:100 usually) in an attempt to make a profit when trading it back at a later time. Leverage can be a bad thing too; FX trading is considered to be very risky by many because of the tremendous losses that can occur. High leverage in FX trading makes it a double edged sword, because as the winnings are amplified, so are the losses. Steady, consistent wins are generally accepted as the best method in succeeding in FX trading, as even the smallest string of losses can lead to bankrupting an account. Many things effect FX trading, but almost always boils down to simple supply and demand. In each of the currencies nations, small fluctuations of supply and demand as well as economic news and releases effect the price of each currency, making it a volatile and ever changing market. The economic factors that effect FX trading can be anything from a news release to a large price action caused by a major buy or sell of a specific currency (Bank of Japan intervenes the yen regularly). Also, other economic events such as inflation or trends make an impact on FX trading.

A currency may lose value due to rising inflation rates; purchasing power would plummet, causing the specific currency to be worth less. FX trading is very fickle in this respect, so great care should be taken in researching each trade before execution. Since FX trading became available to the general investing public, many techniques and indicators have been used in order to be able to trade currency efficiently. One of the more popular methods of FX trading is using a programmed trading system (or algorithm). This algorithm is coded into a trading platform, and trades are automatically taken according to specific written rules. Many investing firms with their hands in the FX trading market use these robots to trade on a historically proven system. This will give their clients a set rate of return, with a proven track record.

About Forex Advice

Forex Advice was developed to give traders the edge they need to learn how to trade based on economic news events from around the world. The same edge the institutions use to make hundreds of millions and even billions of dollars in profit each year. Forex News Trading will provide you with the information you need to give you a true insider’s understanding of the Forex markets.

You will feel confident in your trading, and never doubt your trades again. Does this mean you will win every trade? No, of course not, but armed with the knowledge Forex Advice will provide you, you will never be afraid to take that next trade - as the odds will now be tipped in your favor. Each and every month there are a tremendous number of news releases for the Off Exchange Retail Foreign Currency Market (FOREX). Many of these events and announcements move the markets considerably.

But how do you properly capitalize on these moves? Get it wrong and you could be wiped out. Get it right and you can be in a small group of trading elite, consistently pulling pips out of the market each and every week. Our Forex Trading goal is to provide our visitors with the best trading strategies available. We work exclusively with Forex brokers who specialize in news trading, and also include extensive reviews on the best in the business. Any relevant and helpful information related to Forex news trading can be found on this site. There are many trading methods that exist to help you succeed as a trader, but there also many factors you need to consider before you execute your trades. Each news event moves differently. What we do is provide you with techniques and systems on how to trade these major news events. How can you maximize your gains and limit your loses? Not easily done, unless you truly know what you are doing.

Forex Advice will teach you the moves you need to make. In volatile or fast moving markets, such as news trading events, it is imperative to be completely focused and on top of your game. You need to constantly learn new styles and techniques if you want to stay ahead. Whether you profit, or end up like the other 95% of traders, depends on your ability, knowledge, patience, and how the market moves that day. With such a large world market there are numerous opportunities to pull profits on a consistent basis.

TOP Courses

Well, here there isn’t really a competition since HectorTrader Forex Course is the best and most complete course I’ve found in the market and being honest, is the only one I like.

HectorTrader Forex Course

This course is the best in the market simply because of the information it provides: 8 Chapters full of useful and reliable information about the art of trading in the Forex Market, with interactive videos and images. And because of the tools members gain access to when joining this amazing course. The course isn’t expensive, and it’s a life time membership. You can fin a Full review about Hector Trader Course here

FAP Turbo Evolution Review – The Best Forex Robot in the Market (2009)

Are you frustrated with all the different ways that you have looked for to gain some extra money and lost what you had? Well now the solution is upon you, The FAP Turbo Evolution the Worlds first automated Forex robot that shows real money, real proof of account doubling the power each month. It’s the most popular Fx robot on the internet. FapTurbo has more than 43,000 users and it’s the first robot that not only works but doubles the accounts consistently every month. You will have great results with this Fx robot.

The first question that you need to ask yourself is what you should be concentrating on. Fap is backed up by the word “Factual Proof”. And that the best thing about it is, you will get proof of your results. That is what drives the business of FapTurbo Evolution, and that is what will show you that your money is safe.

TOP Forex Signals

#1 Forex Automoney

Forex Automoney wins the first place in signals, for a bunch of things. First, because of its accuracy, these signals are the most accurate in the market so far. Second, because of the different time strategies it provides: Intraday, Daily and Weekly. Third, because of its ease of use, people just need to set a strategy and recieve the signals via E-mail or SMS, and last but not least, because it gives users the oportunity to try the signals for 3 days for a extremely low price: $4.95.

Check the full review of Forex Automoney

Don’t forget, You can Try this Forex Signals Service for 4.95$

#2 Forex Ambush

Forex Ambush gets the second place most of all because of it’s price: $197. By making a comparisson between Ambush and Automoney people can see that the difference in performance is not much, but the price difference is really, really high. And having more or less the same system for more money is obviously not what people want. One of the big plus of Forex Ambush is that it has highly detailed information, it is really easy to use and for non-english traders, it’s in all languages.

Try Forex Ambush 2.0 now!

TOP Forex Product Choices

In this section readers can find our best products and a quick review of them exposing why are they in the TOP, what makes them good and how have the products performed until now:

TOP Forex Robots

#1: FAP Turbo

The famous FAP Turbo, it’s a robot build in the old Forex Autopilot engine. This robot wins the first place for being the best robot in terms of diversity, FAP Turbo works well with almost every single currency pair, with any strategy, Long or Short Term, but once again, like I said in one of my posts, it’s extremely hard to perfect various things at the same time, which makes it always second best when robots that focus on only one currency pair, like Megadroid, enter to the competition. Has had an accuracy on our trades of around 80-90% winning trades. If you wanna know more about this robot, check our full review of FAP Turbo

And because of the generated profit until this date, FAP Turbo wins the first place!

#2: Forex Megadroid

This robot wins the second spot, first of all, because it has performed extremely well from its launch until now. It has traded with an accuracy of about 70-90% winning trades. Actually we have another live account running which you can check by going to the right sidebard of the website. Second of all because of what the robot does, this robot can “predict” what the market behavior will be on the inmediate future, 2 to 4 hours from the present, or like I said in one of my recent posts, it extrapolates market values, points and trends to have an approximately behavior of it in the future (to know more about this check the Forex Megadroid Revisited). Third, the robot focuses in only one market, EUR/USD, which makes it even more accurate and reliable, but limitating traders diversity.

It is the best robot in terms of earnings, plus, one of the cheapest.

Try Forex Megadroid

#3: Forex Magic Machine

This robot wins the third place simply because it is an overall robot, plus it comes with three additional applications that are really useful: the Forex Impulse Trading System which will Identify the hands-down best trades to enter, the Magic Indicator, which analyzes price and time forces that drive the market every day, and the last bonus is the Trader Survival Kit which contains reports and books that deeply explain the Forex Trading. We reviewed this robot, 2 week ago, check our full review of Forex Magic Machine

Try Forex Magic Machine

Is FAP Turbo a scam? It’s worth the risk?

Well, the answers are really simple:

Yes, FAP Turbo is really reliable you just need to get some practice using it, but for that FAP Turbo developers have already anticipated to this and created some excellent video tutorials for users to start making money. Moreover, there are lots and lots of tutorials all around the internet that can show you even more advanced functions of this wonderful program.

No, they won’t steal your money. How can I be so sure? because of this they’ve made a “60 days money back guarantee”. If you didn’t like FAP Turbo, you didn’t make the amount of money you expected to make, or if you think you could make more money investing in other products, then you can use the guarantee and they will immediately refund you the money. Plus, all the money you make with FAP Turbo will be moved to a bank account of the bank of your preference, just like any normal monetary transaction.

Yes, your funds will definitely grow. The only thing you have to do is invest at least 50$ and configure the robot and you will start making money. But don’t get desperate, this robot obviously, like real life, will take at least 10-30 days to make a substantial profit.

There’s absolutely nothing to lose, because, like I said before, if you didn’t like the product, which in my opinion is nearly impossible, you can ask the FAP Turbo developers to refund your money at any time, and they’ll do it with no problem at all.

Personal opinion… Try it!.

New robot tested: Forex Miracle Review

Forex Miracle

Forex Miracle is an amazing robot, that can help you achieve a profit of around 300 USD$ within 7 days, starting with a 1000 USD$ account. The robot is really easy to set up, plus you’ll be provided with tutorials to get the best of it. This Forex trading system requires no time commitment, you just have to set it up and watch the expert advisors do all the job. You don’t have to know anything about Forex or have any experience or skills, but obviously, like I said before:

“The more you know about this market, the more you could take advantage of it”.

The Forex Miracle robot has a price of 97 USD$ and it’s 60 days refundable. You can buy it and if it doesn’t works for you or didn’t give the expected results, you can freely ask for a refund and you’ll get all your money back no questions asked. Moreover, the starting investment is just of 100 USD$, so if you are REALLY short of money, you can just give the minimum and gradually increase the investment while you earn more money. And last but not least, you’ll have 24 hours email and phone support.

Let’s make a quick comparison of the two latests Forex Robots: FAP Turbo and Forex Miracle.

• Both offer 60 days refund.
• Both provide tutorials, but FAP Turbo provides also video tutorials.
• Both provide phone and online support 24/7.
• Forex Miracle offers a 91,72% winning rate, while FAP Turbo offers 95,9% winning rate.
• FAP Turbo offers VPS (Virtual Private Server) service.

• Product prices:

1. FAP Turbo: 149,99 USD$
2. Forex Miracle: 97 USD$

Forex AutoPilot Turbo,

Forex AutoPilot Turbo, better known as FAP Turbo is the best Forex Robot on the market so far. This robot can make trades with a 95,9% of effectiveness (winning rate), It’s really easy to install and set up, can be configured within minutes, plus a bunch of documentation and video tutorials are provided to help with the using and learning. Almost every parameter can be adjust, from “take profit” to “stop loss” and some other filters.

Another excellent feature of FAP Turbo is the capability to make trades with every currency pair: EUR/USD, USD/CHF, USD/JPY, etc. Also, these trades can be started with an investment as little as 50 USD$. On the other hand, FAP Turbo developers thought of everything and made this program capable to simulate real trades with demo accounts, in order to help newbies to learn everything and make things easier and safer for them to start the trades with real money.

Finally developers created a VPS (Virtual Private Server) where users can store their robots for a little fee, and trade 24/5 without having their computers on all the time. But for those who didn’t like the FAP Turbo VPS, there is another VPS, which in my opinion is much better than FAP Turbo VPS, to store the robot, this one is called EZForexHost, is a dedicated server with 24/7 online support, it has a 99,99% uptime, is maintained and monitored all the time, has preinstalled MetaTrader 4 Client Terminal and an extensive guide of How to Install your Expert Advisor or Robot. But most important of all, runs with Windows.

The last thing I would like to talk is about FAP Winner, this thing is a membership to an excellent website of an obsessed guy with FAP Turbo, this guy, named Charles A. Floyd, provides a whole new sets of settings, strategies and configurations to optimize this Robot to the max, and exploit its attributes to get huge amounts of money. Here’s a FAP Winner overview of what you get when you join:

• Personal guidance and tutoring.

• Daily trading plan.

• Advices on movements, like telling when to increase or decrease the trade size.

• Online video conferences

• Live support.

• FAP Turbo Discussion Forum.

Forex Market and FAP Turbo Review

The Foreign Exchange Market or best known as Forex or FX Market, has become the world’s biggest financial market, with a daily turnover of about 3.2 trillion USD$. It’s a market where anyone can trade, from central and commercial banks to private individuals like you or me. The basics of this market like any other market is to trade items or objects, the thing is, that in this market those “items” or “objects” in trade are the currencies of various countries.

The particular feature of the Forex Market, is that people profit from the fluctuations in the currency exchange. Also, another particular thing, is that unlike other markets, FX Market, does not requires physical purchase of the currencies, but rather involves contracts for amount and exchange rate of currency pairs.

The objective of currency trading is to exchange one currency for another hoping that the fluctuation of the market will be such that the currency you bought increases its value in relation to the one you sold.

The Forex Market is maybe the best market for financial traders because of it’s characteristics:

• High Liquidity: this means there will always be circulating money. In this way, traders can trade any currency at any time they feel like, all this, because someone will always be trading, selling or buying any currency he wants, which makes the market extremely appealing for financial traders.

• Market Transparency: FX Market offers to any trader the ability to observe the information of every trading process, giving great advantages to the market participants. Because of this, traders can study the market and employ pre-meditated strategies to get the best of it.

• Low Transaction Costs: Transactions in the Forex Market costs zero or very close to it. This is because in the FX Market, traders deal directly with the market maker, which eliminates ticket costs and middlemen.

• Trending Market: Forex Market is cyclic, it goes up and down, making it easier for financial traders to analyze it’s statistics in order to anticipate the direction of future prices.

• Leverage: FX Market offers the participants the ability to borrow funds for investment. Leverage is also called investment ratio to actual value.

• 24/5: Forex Market offers to the participants the ability to trade all day long, 24 hours, all the five days of the week, except weekends, from any city of the planet.

Pipzu Review. Low risk Forex Trader Robot

The Forex Trader Robot, Pipzu, is a robot created with the purpose of generate profits safely with a low risk percentage but at the cost of low winning rate or low profits. This robot can be seen as a Bank CD (Certificate of Deposit), where you deposit your money winning an interest rate with time. The different is that with CD’s the winning rate is of about 1-10% a month and with Forex Pipzu you can win up to 10-50% a month of the money you invested. This winning rate is directly proportional to the money you invest: the more you invest, the more you’ll win.

Pipzu works with all account sizes, it can work with big accounts that have around 50,000 USD$ to 200,000 USD$ or more, and can also work with small accounts that have around 100 USD$ to 20,000 USD$. The secret of this Forex Robot lies on its operating method based on what its developers call: Market Timing Algorithm. This method analyzes the market day after day, gathering worth data and following trends to make 1 to 2 safe and efficient trades per week that generate profit, with a 11% maximum risk or drawdown.

Why Forex Robots? How do they work?

Nowadays, Forex Robots have been center of discussion and controversy, people are always stuck in the same questions: Do they really work? How can a robot make a man’s job? Will a robot be able to do a human job as well as we do?. In most areas the answer could be, no, robots can’t run a company, robots can’t interact well with people, can’t sing, cook, act or take decisions, among other things, but what robots can do, and probably even better than humans, is statistics and mathematics, and that’s what Forex market is all about.

The movements on this market are represented in charts and digits, and that’s what people analyze in order to make a good trade, they base their judgment, about buying or selling, on what happened and what could happen. This is also called trend following. This is more or less what an investor does when trading on Forex market: he chooses a chart to analyze, for example USD/EUR currency exchange chart, follows its trend, draw conclusions from it and based on his judgment makes a trade at an specific time in which he thinks he could buy that currency on its lowest price, then he redo the process, but this time, trying to sell the currency he just bought at a higher price at which he bought it to generate a profit.

That’s what a Forex market investor would basically do when trading, but obviously, influenced by his experience. Now, the question is: What would a robot do?, a robot would do the same analysis that the Forex market investor did, it would gather all the chart information and all the numbers, it would follow the trends and it would do the trade, but with some really important differences: it would do it faster, it would do it more accurately, but most important, it would do it based merely on numbers, not on emotions or guesses of what could happen, just numbers.

Forex Megadroid Review

Forex Megadroid is a new robot that was launched on March 28 of 2009. The curious thing about this robot is that the creators and developers have been using the robot for a long time without having published it until now. This is a very interesting thing to consider since every robot that’s in the market these days was created and immediately published. It seems that the Forex Megadroid’s creators have managed to solve the failure of all previous robots, and that is, have real and long tests of their software to back up what they’re saying instead of just publishing it the day after they created it without even taking at least 1 year to test it, and that’s why they used the robot for only themselves for about 9 years (since 2001) and backed all these results to come to the conclusion that their robot really works.

Another very interesting thing is that this robot can be used in EVERY BROKER without being detected. The robot was created to be like a trojan. There’s no need to find a broker that allows an specific platform or the use of robots in order to use this one, the robot will adapt to the broker platform and trade like is a human the one that’s trading. This is probably the most amazing thing with Forex Robots so far, since every robot to the date has to use an specific platform like Metatrader 4 in order to be use, and that becomes a huge disadvantage to FX traders because they lose the freedom to choose any broker they like and have to adapt to the broker’s characteristics that provides this platform, such as account sizes, leverage and spread rates, among other things, taking away from them the posibility to win more or play a little more with their investments. The market becomes more mechanical than strategic.

The last thing about Forex Megadroid, and a very important one, is that it can trade even when the market has high volatility unlike robots like FAP Turbo or PipZu which won’t trade on these conditions. The obvious consequences of this are that on these days of high volatility, mostly fridays, is when FX Traders make the highest profits they can make in a week, since the spread rates boost. This feature makes Forex Megadroid overcome other robots because the probabilities of generating profit boost to heaven.

As a closure let’s make a quick comparison of the best two robots until now: FAP Turbo and Forex Megadroid.

• Both offer 60 days refund.
• Both provide tutorials
• Both provide phone and online support 24/7.
• Forex Megadroid offers a 95,82% winning rate, while FAP Turbo offers 95,9% winning rate.
• FAP Turbo offers VPS (Virtual Private Server) service.
• Forex Megadroid is the only robot that can trade on high volatility conditions.
• Forex Megadroid is the only robot that can trade on every broker without being detected.
• Product prices:

1. FAP Turbo: 149,99 USD$
2. Forex Megadroid: 97 USD$

Forex signals and Forex Automoney

Nowadays, Forex Robots have been gaining a lot of, well deserved, popularity due to their amazing performance and ability to generate profits without the intervention of a human beings. The problem is that not anyone who invests in Forex market is willing to give a robot such great responsibility and authority over the managing of their money, as well as there are others who doesn’t believe a robot can trade that well to really generate a significant income.

There’s also another problem and is that not everybody has the enough knowledge about Forex to trade in the FX market but still want to do it and learn, and here is where the problems begin, people start trading on their own without any help or tutoring, choosing any broker without knowing anything about it, accepting every single offer people make to them who claim to know the way of making money in the FX market and start losing money.

The solution for these types of people are only two: start reading a lot, going to courses and ask for tutoring or start using Forex Signals. Forex Signals are some sort of trading alerts provided by some companies at a determined cost. These alerts tell the client when to buy or sell a currency pair and how much money to put in the trade. The signals are sent usually from 15 to 5 minutes before the trade happens via E-mail or SMS to give the client time to get in the computer and log in the broker account. The best thing about signals is that they’re more like tips, the client gets advised and is up to him to follow or not the signal, and if he do follow, he can instantly see if the alert worked or not because he’s the one in charge of opening and closing the orders.

As a last thing, I would like to recommend all these people to start using Forex Automoney Signals, these are the best signals I’ve tried so far. You can choose whether you want to receive signals weekly, daily or several in the same day. You can also choose how many signals you want to receive in each of these 3 strategies (up to 10). And that’s it. Here’s an example of how a Forex Automoney Signal looks like:

Currency Pair: EUR/GBP
Type of Trade: BUY
Time to Enter: 11:00 PM EST
Get Profit: 34 Pips

Stop Loss: 121 Pips