Online Forex Trading Tools – Understand the Various Options Available

Online forex trading tools are of great help to new forex traders. Even experienced traders often rely on some of these tools to confirm their trading decisions. Due to global connectivity and telecom revolution, forex trading is no longer restricted to large corporations alone. Retail investors too are entering the forex market in a big way with the intention of making money.

Forex market is the largest financial market in the world both in terms of size and volume of transactions handled. It can be risky to start trading forex on your own without any formal forex education or without the help of a reliable forex trading tool.

The major disadvantage of any online product is the possibility of it being a scam. It is very easy to make up false product performance statistics and post them on the Internet. Therefore beware of online scams. Ensure that you carry out proper research to establish the authenticity of information and claims made by the product developers online.

The various options available for you to choose your online forex trading tools are

1. Trading platforms of existing professional traders

A number of successful professional forex traders market their own trading systems online. Check out the reputation of the trader to begin with. If possible verify his / her background over phone with other traders known to you.  Being backed by an existing successful trader, such systems normally deliver whatever promised.

2. Expert advisor

Expert advisor is another online forex trading tool which is very reliable in analyzing charts and making automatic trading decisions. Automated forex trading robots are particularly useful to new forex traders. Robots are programmed to make trading decisions on its own without any human intervention.

3. Forex forums

By participating in popular forex forums, you can get a lot of information on online forex trading. With the help of these forums you can seek advice from experienced traders who are already making use of reliable online tools for trading forex. Information regarding new products launched is also exchanged amongst users of forex forums.

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The Fundamental Ways and the Top Fat Burning Foods

These days weight is a widespread fitness issue of individuals, many of them are looking for burning excess fat in order to get into shape especially if their metabolism is at a slow rate. In fact, burning fat is not an easy task, but it is not an ambiguous process as well. Achieving the goal of desired weight looks to be hard that needs a mixture of work out concurrently.

Well, it is no matter how hard you work out; If you do not follow the right strategies, your hard work would be useless. So, if you want to burn fat you need small changes in your lifestyle.

Let us find out the easiest answers for the question "How can you get rid of your excess fat and get your desired weight results?"

First of all, you should set a proper plan as it is extremely critical to carve out a strategy and determine your specific aim in order to measure the progress and take corrective actions as and when required.

Secondly, eat smaller portions but more number of meals. Therefore, you should not skip meals specifically breakfast; there is a common mistake and misconception about breakfast since many people think that by skipping this meal, they are going to burn fat and lose weight faster. However, it is not true because when you wake up you need energy for practicing your morning activities.

You must also avoid alcohol and smoking and the excessive use of medicines.

The most important thing is that you bought to select the right fat burning foods so as to put in your body and recognize what fat burning foods are and include them in your meals. Indeed, whole natural foods are fundamental choice that will fill up your body with energy. In contrast, you must stay clear of ingredients that preservatives and processed foods; they are highly addictive and could lead to various health problems such as obesity, cancer and other critical health issues. As matter of fact, anyible stuff which comes in boxes, cons and bags has to be eliminated.

Examples of the Top Fat Burning Foods:

There are plenty of healthy foods options that may provide you with essential nutrients such as:

Green Tea: it is natural beverage that helps to burn fat and boost metabolism.

Fish: it is a healthy source of proteins. It can provide us the required proteins to develop muscles less the fat.

Grains: They stimulate the body's fat burning mechanisms. Examples of grains: brown rice, oatmeal and quinoa.

Egg: It is high in protein and other nutrients that slow down the rate of your body's absorption of fats. It facilitates the building of muscle tissue, which causes burning and breaking down more calories.

Consume fiber rich foods like vegetables and fruits as they aid at speeding up your metabolism. They are vital source of nutrition and minerals. More importantly, they furnish the body with anti-oxidants to purify the toxins from your system.

Generally, healthy foods are the primary keys to fat burning and the major factor to a healthy well looking physique. Remember that it is no matter how much you work out, if you do not consume the right kind of foods and cur the bad ones you will not keep fat off. So, try to use the previous strategies and integrate these fatty burning foods into your day by day eating program.

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Why Day Trading is Not a Risky Investment?

Day traders are people who buy and sell stocks of various companies all day long. There are mainly two types of day traders – scalpers and momentum traders, Scalpers buys and sells very quickly whereas momentum traders buy stock that is moving up or down during the day.

The main objective of day trader is to maximize profit with minimum risk. As an active day trader, I am sharing with you the benefits of earning within a single market day – and the potential challenges with day trading.

You perhaps warned by your friends, relatives or stock market consultants that day trading is risky. However, from my personal experience, I found it is no more risky than long-term investment in volatile stock or futures.

I would rather say investment in equity is always risky because of erratic and sometimes unpredictable nature of market forces. On the contrary, investments in banks allow money to grow at a small rate, while that rate is guaranteed, and the local government generally protects the money. However, you need to invest some portion of your capital in capital market for wealth building.

Let us examine why short term and long-term investment pose the same risk in terms of capital loss. We will consider a hypothetical scenario to explain the point.

Let’s assume you are a value investor and invested in a company A. On 25 th July’07, company A is opened at $27 in the morning, and then plummets to $24 within a few hours due to a large class action lawsuit being filed against them. If the company A goes to bankrupt because of said lawsuit, share of company A will fall drastically. In this situation, all kinds of share market investors will loose their capital because the stock is worthless now.

Even in the above case, day trader might protect their capital well because they are normally very cautious and open to all kinds of market news. Day trader mainly works based on market intelligence.

To be successful as day trader, you need to do many practices and most important you need to learn from your mistakes. You need to work with an experienced day trader, need to learn latest techniques, use latest stock market investment software and need to devise your own trading plan.

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Forex Trading Courses – Why They Are The Best Way to Learn Forex Quickly

If you want to learn Forex trading quickly and get on the road to Forex trading success, there are courses which can cut your learning curve and give you proven tools for success, lets look at the how the best courses can help you win.

Most new traders think there going to win by following an automated Forex robot and earn a regular income with no effort but in a market where 95% of traders lose, its obvious you need to make an effort and do some study. It is for this reason that more traders than ever before, are seeking out the best Forex courses.

The best courses are presented by experienced traders, who have been in the trenches and t have learned the hard way, they have made mistakes and found out what tools work and do not work and present you with proven strategies to help you enjoy currency trading success.

By giving you a proven Forex trading strategy, they cut your learning curve and all the best courses, will show you how their strategy works in real time, so you can see if it's profitable and in addition, gain confidence in the strategy so you can trade with confidence and discipline.

All the best courses are backed up by 100% money back guarantees, so you can learn with no risk and see if their strategy can lead you to success or not. You have the comfort of no risk and the fees for these courses are reasonable, usually around a hundred dollars so and this means any trader can afford them and one good trade will pay for them. The best courses will teach you skills that last a lifetime, full support from real traders and offer complete satisfaction or your money back.

So if you have ever wondered if you could become a successful Forex trader from home, try one of the best Forex trading courses and find out for yourself – risk free.

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What Is A Cryptocurrency And Bitcoin?

The Web is part of society and is shaped by society. And until society is a crime-free zone, the Web won’t be a crime-free zone.

So what is a cryptocurrency? A cryptocurrency is a decentralised payment system, which basically lets people send currency to each other over the web without the need for a trusted third party such as a bank or financial institution. The transactions are cheap, and in many cases, they’re free. And also, the payments are pseudo anonymous as well.

As well as that, the main feature is that it’s totally decentralised, which means that there’s no single central point of authority or anything like that. The implications of this is done by everyone having a full copy of all the transactions that have ever happened with Bitcoin. This creates an incredibly resilient network, which means that no one can change or reverse or police any of the transactions.

The high level of anonymity in there means that it’s very hard to trace transactions. It’s not totally impossible, but it’s impractical in most cases. So crime with cryptocurrency– because you’ve got fast, borderless transactions, and you’ve got a high level of anonymity, it in theory creates a system that is ripe for exploitation. So in most cases when it’s a crime online with online payment systems, then they tend to go to the authorities and, say, we can hand over this payment information or we can stop these transactions and reverse them. And none of that can happen with Bitcoin, so it makes it ripe for criminals, in theory.

In light of this, a lot of different agencies are researching into Bitcoin and looking at Bitcoin and trying to understand how it works and what they can do to police it. It’s also been in the media quite a few times, and the media, being the media, like focus on the bad side of it. So they focus very heavily on the crime with it. So if there’s a theft or a scam or something like that, then they tend to blame it on Bitcoin and Bitcoin users.

So the most notable is probably Silk Road, which got taken down recently, and through their $1.2 billion worth of Bitcoins, went to pay for anything from drugs to guns to hit men to those sorts of things. And the media, again, very quickly to blame this on Bitcoins and say that it was the Bitcoin user’s fault.

But there’s actually very little evidence of the scale of the problem of crime with cryptocurrencies. We don’t know if there’s a lot or we don’t know if there’s a little. But despite this, people are very quick to brand it as a criminal thing, and they forget the legitimate uses, such as the fast and quick payment.

So a few research questions I’m looking at in this area is what does crime with Bitcoin look like? So a lot of people will say that scams and thefts have been going on for ages. But the means through which they happen changes with the technology. So a Victorian street swindler would practically be doing something very different to a 419 Nigerian prince scammer.

So the next question that I’d like to research as well is looking at the scale of the problem of crime with cryptocurrency. So by generating a log of known scams and thefts and things like that, we can then cross reference that with the public transaction log of all transactions and see just how much of the transactions are actually illegal and criminal. So my final question would be, to what extent does the technology itself actually facilitate crime? By looking back at the crime logs, we can see which particular sorts of crime happen, and if it is actually the technology’s fault, or is this just the same old crimes that we’ve been looking at before. And once we’ve consider these things, we can start to think about possible solutions to the issue of crime with Bitcoin.

And we can consider that the only suitable solution would be one that preserves the underlying values of the technology itself, which would be privacy and decentralisation. A lot of focus from the media is to look at the criminal aspects of it. And they don’t give enough value to the legitimate uses, because Bitcoin is a technology that enables fast, quick payments, which is useful to anyone that’s ever paid for anything on the web.

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Silver Investment Clubs

Why should you want to buy silver at $15 an ounce when you can wait for silver to go down to $12 an ounce. The simple and realistic answer is the supply of silver decreases with time. Trying to wait for low prices will negatively affect your ability to buy the quantities you want. Buying on a cost average method allows a consistent accumulation of silver.The short term price you pay today will be considered a bargain in the future.

If you could flash forward one year and look at the price you paid for silver today, you will realize that the price you paid last year was a bargain. Making small changes in your spending profile can benefit you greatly. Do you purchase cigarettes on a regular basis? Consider this, once purchased your cigarette purchase is destroyed upon use. You will get a one time value from each cigarette. But to repeat the experience you will have to give away more money. With the regular purchase of silver, whether weekly or monthly, you have a product that lasts year after year after year.

If you take the same amount of money that you spend on pampering yourself and buy silver you increase your real wealth. Forget about that daily cup of gourmet coffer and buy yourself an ounce or two of silver.

Become part of or start a silver investing club. Most silver brokers buy from wholesale sources. Leverage the power of group buying to negotiate purchase rates that are fair and favorable to your silver investment club. Silver brokers work on commission. Do not overlook the power of negotiating. Make sure you have a plan a and an plan b. If your club plans to purchase more than $1000 in a single transaction ask for a discount. If your club purchases $2500 or more in a single transaction ask for a larger discount. Another advantage of a group membership is that you can be more productive with 100 people giving one percent of effort than 1 person giving 100 percent of their effort. Their is strength in numbers.

If there are no clubs in your immediate area then look at the penny saver magazines of surrounding communities. If you have to start your own club run an ad in the local newspaper or penny saver magazine. An example ad would be: Investment club forming. initial investment under $50. Automatic monthly purchases to acquire precious metals. Call telephone xxx-xxxx. Place your ads under the business, financial, and personals section of the penny saver publication. Of course, this technique will work just as well with the local newspaper.

You can also post advertisements in the form of flyers. These flyers can be put on public bulletin boards. Convenience stores, food stores and churches are excellent places to advertise. Just make sure you get permission first. And sometimes you do not need permission.

Look at your bank account and tell me if you are getting a fair return on the money you loan to the bank. If not you need an equalizer to develop you wealth. Using your paper money to acquire real money protects your economic standing. Your best friend when it comes to your finances is you. Be proactive in managing your assets.The systematic acquisition of silver coins can be painless. You have alternatives to starting a silver club. For a more direct and systematic way to own silver consider joining already established silver clubs.

Watch the current trend in owning precious metals. Do what the smart money movers are doing.The possibility of silver prices skyrocketing to three digits may not be far away. Consider this, the fiat currency you have in your savings account is being inflated away on a continuous basis. Acquire real wealth now. Buy silver because the price will surely increase.

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VT Nonprofit Lender Mulls Life After End of Student Loan Program

The Vermont Student Assistance Corporation (VSAC) was established in 1965 as a public nonprofit agency designed to oversee the issuing of federal education loans to Vermont students. But with the sweeping reforms to the federal student loan program that were passed in 2009, bundled in with the national health care reform bill, VSAC and agencies like it were stripped of their ability to originate new federal education loans.

As of July 1, 2010, all federal parent and college loans are now provided to borrowers directly by the U.S. Department of Education, and VSAC is now facing a staff reduction of nearly two-thirds as it tries to find ways to survive in the age of the Federal Direct Student Loan Program.

The agency had been a lender in the Federal Family Education Loan Program (FFELP), which was discontinued as part of the federal college loan reforms. As part of its lending functions under the FFEL program, VSAC acted as both a lender and servicer of federal college loans.

Under the new world order, with FFELP disbanded, VSAC can still manage (i.e., “service”) all the college loans it had issued in the past, but the agency is no longer able to issue new loans.

Revenues from the repayment of issued loans were used to fund new student loans as well as ongoing financial aid and student loan education programs, so the agency faces a revenue reduction of about 90 percent as its existing loans are repaid.

VSAC still issues a small number of private student loans, non-federal loans funded by VSAC rather than by the Department of Education, but the agency is looking for a new role with the Direct Loan program.

VSAC recently submitted a proposal to the Education Department to service more than the current statutory maximum of 100,000 federal education loans. Under the proposal, the agency is seeking permission to service the student loans of all Vermont students and all non-resident students enrolled at Vermont colleges and universities. Under the new Direct Loan program rules, only four organizations have been authorized so far by the Education Department to service more than the allotted 100,000 federal student loans.

Even if VSAC’s proposal is approved, however, the revenue from servicing the federal direct loans would bring in only a fraction of the revenue the agency once earned as a lender in the FFEL program.

VSAC is also asking the Vermont state legislature to help underwrite its administrative costs by allowing the agency to divert about 7 percent of its $21 million state appropriation from need-based grants and scholarships for students to the agency itself. VSAC is also asking legislators to allow its private student loan borrowers to deduct up to $500 of the interest on its private student loans from their state taxes.

The agency’s future role is unclear and is likely to remain that way until at least April, while it waits for a determination on the expanded servicing of federal college loans made through the Direct Loan program. The state legislature is likely to render a decision more quickly.

But even with its private student loan portfolio, a favorable decision on student loan servicing from Washington, and additional support from the Vermont legislature, VSAC will still need to reduce its budget by about 10 percent a year for the next three years in order to remain solvent.

The agency, which currently employs about 300 people, has already cut about 60 positions through attrition. If the added student loan servicing work doesn’t materialize and legislators don’t agree to support the agency’s administrative costs and financial aid counseling and outreach work, the agency will likely reduce its staff by an additional 200 positions before the start of the next fiscal year.

college loans

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4 Things Contractors Should Know About Contractors Insurance

Any company involved in construction work, building maintenance or installation and repair services is in need of contractors insurance. Contractors will be ill-advised to forego contractor insurance in a climate of high crime statistics, unpredictable weather conditions, negligent workers, faulty equipment, defective substances and a million and one other thing that can go wrong in the contracting business.

There is also an ever-growing propensity to be held responsible and accountable for damages caused to third parties. Think about it this way: Insurance premiums cost a mere fraction of stolen materials, damaged projects or compensating agents or third parties for losses incurred through the negligence of workers or the forces of nature beyond anyone's control. By having the conviction and foresight to take out builders' insurance, contracting businesses are safeguarding themselves against possible losses and lawsuits that could end up by severely crippling the company financially or, in the worst case scenario, even bankrupting it. A contractor's policy actually costs very little in terms of premiums and is worth its weight in gold.

The basics of builder's insurance

1. Builders' Risk Coverage (also known as construction coverage)

Builders' risk insurance indemnifies the contractor for losses or damages to a building while the building is under construction. Insurance usually covers the building for a specific time period and applications only while the building is under construction. This type of insurance typically covers fire damage and vandalism. The policy may also include materials in transit to the building site as well as materials and equipment stored on site. Tools, equipment, vehicles, materials and any other assets used on site may also be covered. For the amount of protection it affords (and the peace of mind that goes with it) builder's risk insurance is reliably inexpensively (as against general liability insurance).

2. Insuring Materials on site and in transit

Given the cost of modern building materials, it is common practice for constructors to insure their materials either on site or while in transit. However, the onus is on builders to make sure that all reasonable precautions are in place to protect materials from theft or storm damage as much as possible. This coverage can also include materials stolen in transit due to the vehicle being hijacked while en route to the building site.

3. The most common insurance claims made by contractors

The most frequent claims made by contractors entail materials theft, damaged materials while in transit, storm damage, or surrounding properties being damaged while construction is in progress.

4. Most expensive Claims

The most costly claims most commonly filed by contractor are usually damages caused by third parties and their properties due to the contractor's "negligence" for example, materials being blown off structures in storms or high winds and landing on nearby cars or buildings. Also damage caused to existing underground pipes or cables. Other high claims are damages caused by fire, rainwater damage to structures, lightning damage or severe storm damage. All these liabilities can be covered by an All Risks contractor's policy.

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End Your Speech With a Punchline!

Have you ever been to a talk and were left feeling flat – like the speaker left you wanting more? On the other hand, have you been to a presentation where the speaker left you inspired, wanting more and excited to sign up for whatever they had to offer?

I’m willing to bet that the way the speaker ended their speech made a big difference.

Beginnings and endings are important! How often have you heard a speaker that has a great opening and by the time they get to the ending they fizzle out? Speakers sometimes get to the end of their time and have no idea how to end their speech so they ramble on or just thank their audience. To be remembered, I strongly encourage you to finish your speech with a joke, a pithy phrase, a quote that you want the audience to tuck away in their mind as something memorable. Always leave the audience on an upbeat note.

One of the mistakes often made is when speakers spend all their time on the beginning of their speech and give very little attention to their ending – reverse that and you will notice the difference. Spend at least 10% of your speech time on your conclusion and tying your earlier points together. For example: with a 30 minute speech use 5 min on the opening, 15 minutes on content and 10 minutes on the wrap up and ending.

Consider some of the speakers that you have listened to – which ones do you remember the most? Usually the ones with compelling endings to their speech. What did they use to end their speech? A joke? A funny story? A memorable quote?

Consider some of the speakers that you have listened to – which ones do you remember the most? Usually the ones with compelling endings to their speech. What did they use to end their speech? A joke? A funny story? A memorable quote?

5 Reasons to use a Powerful Speech Ending:

  • A powerful ending sends your audience off with excitement and purpose.
  • A powerful ending is a sign to the audience that they may now applaud.
  • A powerful ending gives your DJ a clear sign to start the exit music.
  • A powerful ending keeps you top-of-mind longer.
  • A powerful ending motivates your audience to take action.

If you include a powerful call to action in your powerful ending, the audience will be running to the back of the room with their wallets out to buy your product or sign up for your program.

If you have a powerful ending, the audience will keep that in mind as they leave. Use your final words to turn your audience to your point of view and tell them what action you’d like them to take next. End your speech by using motivational words that inspire your audience to stand and applaud.

As Mark Twain said: “The difference between a word and the RIGHT word is like the difference between the lightning bug and the lightning.”

Be the lightning!

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Bank Business Loan – Is A Bank Business Loan the Answer?

It is a fact that at one point in time or another nearly all entrepreneurs need a bank business loan, either to start up the enterprise, expend it, or to bridge difficult times when the consumer turns fickle. Of the many lenders and types of loans available, a bank business loan will probably be the best bet for starting the venture. A bank business loan is often the best way to establish and maintain your venture's credit rating, if it is fastidiously repaid.

But, if you are experiencing financial problems, is a bank business loan a good idea to use to get current on the debts? Just what is a bank business loan and what is the application procedure? A bank business loan is an unsecured loan that does not require collateral of any kind. It is based entirely upon the credit rating of all of the involved partners; the prospectus or the plan that was developed that outlines the venture, including both the financial liabilities and the anticipated income. You will have to provide well-organized and scrupulous detail, together with a good credit rating for this type of loan. A bank business loan is the primary vehicle for starting up an enterprise and gets a venture off to a good start, however it is a poor remedy for existing financial problems.

It is far better to obtain professional advice on how to deal with your financial problems. The first thing that a qualified business debt consultant will want to know is the type of loans and financial obligations make up the entire situation. If you have unsecured debts, especially a bank business loan, there is quite a bit the consultant can do to make things easier for you to repay your business debt, continue running your venture and even improve your credit rating. One solution that may be proposed is business debt consolidation, which consolidates all of the financial obligations into one account that requires just one affordable payment per month. This has been worked out by the consultant together with all of the creditors who have agreed to accept a reduced payment that is based upon a lowered interest rate.

If the financial obligation is more problematic and either represents a large amount, or has become delinquent, the consultant may recommend business debt settlement. This form of financial relief is aimed only at unsecured loans such as a bank business loan and business debt settlement can be effected in a couple of days.

With either remedy the credit rating will begin to improve almost immediately. When creditors see that a professional business debt reorganization program is being worked out, the business credit rating reflects their approval. However, it is always best to seek help before any real damage is done and to anticipate a remedy before it is actually required. With the advice of a good business debt consultant, any venture can stay on track without taking out additional bank business loans.

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