New Info Blog

Vincent James proudly tells people that he is setting out to make THEM wealthy. They only have to take his marketing plans and use them. He is keeping nothing back and you will learn all you need to know about internet business marketing with his book the 12 month millionaire. This is a guy barely in his 40s and he has made millions, lost millions and made them back again time after time and he wants to share his success story with you. He has been born into poverty, dropped out of school and even is an ex con. This all is told to give you some detail to the man who was to write a booklet entitled the 12 month millionaire which is now out of print and incredibly hard to find.

Many people are saying that they have not only become rich by using his methods, but they were able to discover some fascinating secrets about doing business that no one had ever told them before.

When Vincent James was in his 20s he was becoming a self made millionaire through the selling of car stereos. He was doing the selling and convincing people to buy these stereos, yet he knows next to nothing of installing a car stereo himself. What Vincent does know is what is a good deal and how to sell to the public. He never allowed himself to think that he would be anything less than a successful businessman and he has lived up to that dream. Today he thinks nothing of charging 5000 per hour for the benefit of his services personally in helping you create an online business juggernaut.

He can show you how you can test your sales content out before you ever pay for any formal advertising. He can show you when you will need to hire writers and when you should do without. You will even be given information about how to create what is known as a swipe file, and this secret alone can create huge amounts of income for you. He is even able to show you how he shipped over 7 million dollars worth of stereo equipment to his customers for absolutely nothing and tells you how you can do the same.

There is even a perfectly legal way of making some of the formulas for nutritional supplements your own and he will show you this information as well.

Vincent James will offer you advice that he learned the hard way and you are welcome to profit from his lessons. He will even show you some valuable tips on how to create those sales letters that really do get the attention. If you are afraid of rejection and you don’t think you can overcome a prospect’s resounding NO . . . Vincent will make you look at all of this with fresh new eyes.

Joshua Valentine is a top internet marketer who works with industry leaders from around the world. He has a passion for helping others achieve their goals, dreams and aspirations. To learn more about Joshua Valentine and his team of Marketing Mentors Click Here

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titleForex – The Thrill Ride/titlepFOREX is one of the latest crazes to sweep the planet./ppForex is one of the hottest and largest financial trading markets in the world today. The rise of the new E-economy caused online Forex trading website and firms to be able to offer trading accounts to almost anyone with a computer and an Internet connection. In our days everyone can trade currencies just like the worlds largest banks do./ppThe Foreign Exchange, also referred to as the Forex or FX market, is the practice of currency trading with over $2.5 trillion changing hands every single day./ppForex trading is where the currency of one nation is traded for that of another. If you have been abroad on holiday or business you have already done it. You exchanged your domestic currency for that of the currency of the country you were travelling to./ppThe Forex market is different though, by actively engaging in online trading using broker platforms you can buy and sell currencies for huge profits. This is because you trade with a leverage so that even a small amount of money can quickly become a huge amount if you make the right trade./ppUnlike the stock market which is ruled by those with inside knowledge, Forex gives everyone an equal footing, you can make good money even with very little experience./ppThe Forex goods are the currencies of various countries. You buy Euro, paying with US dollars, or you sell Japanese Yens for Canadian dollars etc. Thats all.thats how does one profit in Forex, buy cheap and sell for more! The profit is generated from the fluctuations in the currency exchange market./ppThere is not a central exchange for the Forex market, so these pairs and their crosses are traded over the telephone and online through a global network of banks,forex websites,brokers and currency traders./ppThe process is very simple and obvious,no expert knowledge of an industry is needed, that is the beauty of FOREX, thousands can be made whether you are decided to learn and experiance!/ppForex is a skill that takes time to learn !!!/ppForex can seem to be tough at the first instance to a new investor but once you have understood the process of the trading,then it is all about making the right decision and earning a handsome profit. with various fundamental and technical analysis tool available in the market,a careful investor can make huge profit by trading currencies. A small margin deposit can control a much larger total contract value. That Is what we call Leverage./ppLeverage gives the trader the ability to make extraordinary profits and at the same time keep risk capital to a minimum. some online Forex firms offer up to 200 to 1 leverage, which means that a $100 dollar margin deposit would enable a trader to buy or sell $20,000 worth of currencies./ppThe exciting thing about the Forex market, is those regular daily fluctuations,an example – if the exchange rate of a pair of currencies increased by 0.6% in the last hours, your profit will be 60% on your investment!(1:100) Such can happen in a few hours or even minutes! Moreover, you cannot lose more than your margin! You may profit unlimited amounts, but you never lose more than what you initially risked and invested./ppAn exciting advantages of Forex trading is the ability to generate profits whether a currency pair is up or down, in a rising and falling markets. Skilled Traders do make money in this field, however like any other career, success doesnt just happen overnight./ppMost Online Forex firms offer free Demo accounts to practice trading, along with breaking Forex news and charting services. These are very valuable resources for traders who would like to develope their trading skills with virtual money before opening a live trading account. a new trader should practice trading on a demo account and pretend the virtual money is your own real money.Do not open a live trading account until you are profitable trading on a demo account. It is important that you learn how to buy and sell the currency pairs, set stop losses, set profit limits, and understand how leveraged margin works when you trade./ppUnderstanding risk management is a very important reality when trading the Forex Markets. Losing trades will happen, and managing those losses are the key to your success./ppHappy Trading/ppZiki De Naim/ppA target=_new href=http://forexguest.com/Forex Trading Strategies/ABR Looking for info about Forex Trading? Find it all at : A target=_new href=http://forexguest.com/http://www.ForexGuest.com/ABR Read about Trading Times, Mini Forex Account, Forex Terms used in the Forex Market, How to Choose Forex Brokers and Firms? Forex online News, ForexGuest – Store, Subscribe and read ForexGuest-Members newsletters about Top Rated Online Affiliate Opportunities, and Forex Trading Strategies Tips./pbrbr

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On my recent trip to Canada I came across a newspaper article that I thought was very significant. In brief, the article stated that “more than half of workers — 55 percent — say they always or usually live paycheck to paycheck just to make ends meet.”

Now, if the numbers are that bad in Canada, I’m certain they’re worse here in the US.

We have the answer to this recession but too quickly do people dismiss it as “one of those things” — an endeavor not worthy of consideration. Meanwhile, those very same people are having to work more hours — some even taking on a second or third job — just to make ends meet.

If you don’t want to be one of these people, here’s my suggestion: Do your research on Network Marketing. Learn what thousands of people are already doing to recession proof their finances. Discover for yourself what truly is the best and simplest way to ensure a secure financial future for yourself and your loved ones.

With banks failing every day, the stock market plummeting, gas prices soaring, you can’t afford not to. Your job won’t take care of you — they’re busy worrying about the bottom line. The government isn’t helping matters — in fact, sometimes I feel like they’re doing everything in their power to make things worse. So it’s up to you.

Take matters into your own hands. Your family’s financial security is too important to gamble on a company that might lay you off in 6 months or in a government that’s using your money to bail out the people responsible for this crisis in the first place.

Ronnie Cruz is a full time Network Marketer and has helped thousands move forward on the path to financial freedom. For more information contact him at ceo@ronniecruz.com or visit http://www.RonnieCruz.com to subscribe to his FREE weekly video newsletter.

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If you’re a “newbie” to forex trading beware the ‘make thousands a year with 2 hours work a week!’ – run a mile and keep going. If you want to make money you have to invest both time and money into being successful no matter what you do. Automated forex trading systems can make you money – but only the right system in the right hands is the key. Read on and I’ll expand on this later in the article.

There’s no such thing as fully automatic – especially in forex!

First of all, to end the confusion about ‘automated’ meaning ‘hands-off’, ’set and leave’ is rubbish. These systems work on ’signals’ a simple explanation of the mechanics of the process follows.

How the systems actually work.

The signal is arrived at in two ways, by Chart and by Mathematics. The signal is provided via a market feed into a program which firstly analyses the data into real time data sets and then ‘charts’ this data. The information is then ‘formatted’ and presented say for example in Japanese candlestick format. The program then has built in parameters which extrapolates (puts information on top of other information) other historical information and then ‘voila’ you have what is termed as a SMA (simple moving average). I have identified this factor (one of many) as it is easy to understand and replicate yourself (if you have the time and the patience). Where moving averages intersect and diverge gives a buy/sell signal. An automated trading system will recognize this and then transact for you. The result is either a profit or a loss. More ‘complicated’ signals are often used which extrapolate ratios like Fibonacci ratios and this is where things become a little more mathematical.

These systems should be as ‘Tools only’!

The key to understanding this type of ‘tool’ because that is really what it is a trading tool, is that it is not a set and forget it business in a box. If you look at it in such terms you will lose your deposit!

The way many of these automated systems are marketed is nothing short of a scam simply because – to get a sale many of the providers mislead customers into thinking that because it’s automated that it’s guaranteed to make them money. I would say that close to 80% of purchasers of these systems are inadequately ‘qualified’ to apply them. What do I mean by qualified? Qualified individuals tend to be Traders who have knowledge, experience and some profitable experience already behind them.

Let me explain why this is so. Nearly all, potentially profitable automated trading systems require, you the user, to input the parameters for the software to analyse and provide the signal to you. We haven’t got to the stage yet of a computer that thinks like a human – so you have to provide the input for ‘it’ to make its decisions. This is why you need a thorough understanding of charts, in particular patterns,moving averages, support and resistance levels, stochastics etc the list goes on and on. Think about it – if you don’t know what to put in to get your results that you want i.e. profits – how’s a program going to know?

Some forex traders do make money using these systems!

Many of these programs are quite sophisticated pieces of kit and will work in the right hands. The top 10% of traders that make the money ‘do’ use automated forex trading systems from time to time – more often than not to place take profit and stop loss orders – but these guys know what they’re doing – they have experience and knowledge gained through failure as much as success. The famous saying to apply here is ‘Learn and Earn’.

To find out more how you can become a profitable trader on a consistent basis sign up to my Free Weekly Newsletter. Here you will learn valuable tips to help you make money. Join Forex4Traders.com here to receive all the benefits.

Peter Burke MBA has been writing Journals and Articles for academic publications for over 7 years and is Managing Director of a Consulting Company in the United Kingdom.

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As we began the New Year, many of us made resolutions and vowed to get our financial houses in order. Unfortunately many of us broke that resolution long before the first credit card bill arrived. Rather than feel guilty consider these steps to get you started in the right direction – regardless of what time of the year.

1. Build your Emergency Fund:
Not just the pot of gold that you were considering for a new car or vacation, a fund for real emergencies. Your emergency fund should include at least three to six months worth of living expenses. These funds should only be tapped for healthcare emergencies, times of unplanned unemployment and other events of this magnitude.

As you develop your emergency fund, keep enough money in your bank account or money market account to cover three or more months expenses and than ask your Financial Advisor or your banker to help you set up a series of short term CDs to form a ladder with the rest. Laddering funds will allow you to earn more interest on the money that you may need to get your hands on in hurry. At the same time, it helps to make sure that you don’t get your hands on it all at once for non-emergency purposes.

2. Use credit wisely:
Avoid purchasing items on credit whenever possible. If you must carry debt, look for the lowest rates that you can find. Shop out your loans and credit cards for better deals. Ask your creditors for better rates. If you make all your payments on time and are in good standing with them, most likely they will lower your rates. If not, consider moving elsewhere. Be sure to review your credit report at least annually and watch for identity theft as well.

3. Budget money wisely and do not overspend:
Take the time to sit down and set a budget or a spending plan. Live within your means and don’t try to keep up with the Joneses. We are all guilty of it from time to time, but unless we win the lottery we may want to let the Jones get ahead just a bit so that we are not struggling in retirement. You may be surprised to know that there are a lot of doctors and executives out there who are making well over $500,000 per year who are in debt up to their eyeballs and giving the term “living paycheck to paycheck” a whole new meaning.

Be careful not to overspend when it comes to your investments either:
Some firms are offering free trading if you “simply pay the bid ask spread” or have large sums of money in an account. Other firms are offering low priced stock trades while charging outrageously high margin rates or other fees. Investigate these offers closely and make sure that your free lunch is really free. Some times you can save a few dollars on a commission and spend thousands on a wide spread or other fees. Most importantly, do not try to save a commission by trading online or buying no load funds if you really don’t know what you are doing and are likely to risk your hard earned money.

4. Be prepared:
Make sure that you are properly insured. Not just for your car or home (if renting, be sure to pick up rental insurance) but also for your life, health, disability and if appropriate, long term care. Check your coverage on insurance polices, update beneficiaries on your life insurance and make sure that you have an updated will.

5. Learn as much as you can about investing:
According to a Lusaardi and Mitchell study cited in Money Magazine, individuals who understood simple calculations such as compound interest or percentages had higher net worth than those who did not. The internet offers a great deal of help to arm you with information about investing. But don’t be too proud to get help if you still need it or to get a second opinion to see how you are doing.

6. Set realistic goals:
Don’t start with pie in the sky ideas. Set short, medium and long term goals that you can stick to. A short term goal may include building up that emergency fund that you swore you were going to start or perhaps saving for a house. A medium term goal may include paying for your children’s education and a long term goal may include planning for retirement. Set aside time to plan for each of these and be sure to monitor your progress along the way.

7. Know your Benefits:
Learn what you are entitled to or if you will be entitled to any benefits. Does your employer offer a pension plan? Are you eligible for social security? Are you eligible for a spouse’s benefits in the event of death or divorce? Be sure to review your benefits from time to time as they may have changed. Some employers have significantly reduced or even dropped their pension plans all together.

8. Invest with Discipline:
In a recent “Retirement Reality Check” survey, conducted by the Allstate Insurance Company, 40 percent of respondents admitted that they are not even saving seriously for retirement. Overall, 38 percent of respondents said that they expected their retirement to be “financially difficult.” Start saving early and often to help avoid this situation.

Estimate your retirement needs. Fund your 401(k) retirement plan to the maximum or start an IRA (or alternative retirement plan) if you are eligible. Invest automatically via your employer, through payroll deduction or through your financial institution and have money drawn automatically every month before you have a chance to spend it. Pay yourself first. Treat your savings like a bill and pay yourself every month. Make careful decisions between stocks, bonds, mutual funds and other investments. Pick quality investments, stick with them and rebalance when your allocations are no longer in sync with your plan.

Get started. Don’t wait until tomorrow or until you get a raise or until after the holidays. Take action today.

The topics covered in this article are for discussion and information purposes only. Clients should take special care in understanding all of the risks involved prior to investing. Nothing contained herein should be considered as an offer to buy or sell any security or securities product. Place Trade Financial, Inc. does not provide legal or tax advice. Please consult your own tax and/or legal advisor prior to investing. This article contains links to other web sites. Place Trade Financial, Inc. is not responsible for the privacy practices or the content of such web sites. Please contact Place Trade Financial at 1-800-50-PLACE or visit http://www.placetrade.com for further information. Place Trade Financial, Inc. is a registered broker dealer. Member FINRA, SIPC.

Sarah M. Place, MBA is the President and CEO of Place Trade Financial, Inc., Member FINRA, SIPC. She has over eighteen years experience in the financial services industry. She has vast experience working with stocks, bonds, mutual funds, 401(k)s and other investment vehicles. She is a member of the National Association for Business Economics (NABE) and the Finance Roundtable, serves as a member of the North Carolina Council on Economic Education (NCCEE) Board of Directors as well as several other boards and committees that are dear to her heart.

She has presented topics including economic issues, investments and retirement planning to numerous groups over the years including the Tufts University Alumni Association and the Cary Jaycees. She is a contributing writer for several publications including Balance Magazine, the Carolina Newswire, the NC Journal for Women, NC Career Networking Magazine and Women in the Triangle.

If you would like to receive a free subscription to our monthly newsletter please visit http://placetrade.com/abt-newsletter.htm

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This is tip #8 of at least 10 in the series. I will try to publish most of them as e-zine articles, but if any are missing, they will all be available on my blog…

In the first seven tips, we focused largely on things applicable to success in general; now let’s take the next two or three tips to get specific and focus in on the other part of our series title – wealth!

Tip #8 – Follow my three rules for creating wealth in your life.
Rule #1 – Live below your means.
Rule #2 – Save and invest the difference.
Rule #3 – Continuously improve on rules #1 and #2.

Again I will return to the slogan, it is simple, but it isn’t easy. Common sense dictates that if you follow these rules, eventually, at some point in the future, you will become wealthy. However, the killer is in the doing.

Wealth building is not rocket science. Contrary to what many want to believe, it is actually very basic, simple math. Make ten dollars. Subtract nine dollars to live on. Save and invest the one dollar difference. Repeat over and over again. Then, as the one dollar differences add up over time, learn to invest them better and better. Eventually they become a massive pile of money that begins growing itself quickly and easily, and instead of you working for your money, your money works for you. The formula for wealth is so simple, it is actually boring.

Where does everyone go wrong? If I shared the long version – well, that would be a book in itself. So, the short version… We live in a consumer society. We are bombarded by hundreds or even thousands of messages a day saying spend, spend, spend. Don’t think so – when you wake up in the morning, start counting the television and radio commercials, billboards you drive past, banners in store windows, ads in magazines, phone calls from telemarketers, flyers in the mailbox, e-mails pitching you everything under the sun, etc. I would be surprised if you didn’t give up counting before lunch time! If you buy this product you will be beautiful. If you buy this product you will have a beautiful spouse. If you buy this product you will feel great. If you buy this product you will… blah, blah, blah, blah.

From children to adulthood, through home and school, we are taught how to be responsible, conform to society’s rules, get a good job, buy nice things that are beyond our means, etc. However, very few of us are taught how to manage our money (aka follow my three rules)!

Instead of having a solid, long term plan, we chase instant gratification, which, to use Robert Kiyosaki’s terminology, keeps us stuck in the rat race. We work to make money, which we spend to make ourselves feel good, then the money runs out, and we feel lousy. So we work harder and longer to make more money, which only allows us to spend more money, which predictably runs out again, so we feel even lousier. Then the trap starts all over again.

Brian Tracy says this is Parkinson’s Law – that expenses rise to meet income. Make a little more money – spend a little more money. Get a raise – and we immediately go out and upgrade our car, or our cable television, or our health club membership, or our home, etc.

The first step to living by my three rules – recognize the pattern you are currently in, and, assuming it is the pattern of the average American (Parkinson’s Law), make a decision to change it. More on how to do that coming soon in tip #9.

There are a lot of things you can do to improve your situation once you have made a decision to do so; there is very little you can do to improve if you haven’t yet decided to!

If you enjoy my tips, please pass this on to anyone you know who may benefit from it… Together, let’s get inspired, let’s get motivated, let’s create some buzzzz, and let’s help some people (family, friends, and ourselves) create all of the wealth and success they want in life!!!

Chris Lund is a loving husband and father of two amazing boys. He is a lifetime learner, and an avid real estate investor since 1998. In December 2008, he achieved financial freedom, and quit working at a JOB. He writes “The Lund Letters”, a blog found at http://thelundletters.blogspot.com/ where he shares many of his successes as well as lessons learned. Chris firmly believes that you can have your excuses, or you can have your dreams, but you can’t have both. He can be reached via e-mail at reinvestorsfl@aol.com

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It goes without saying that your first and best defense against paying fraudulent or unfair charges on your credit card is knowing what your bill says! When you receive your credit card statement each month, sit down with it and check each item to make sure that you actually DID purchase it. If you do run into inaccuracies or problems, there are procedures to follow to report and deal with the charges. If you don’t follow the procedure and the card company decides to notify a credit reporting agency, it could affect far more than just your balance on that one credit card.

What are the most common billing problems and how should you deal with them?

1. Hey, I didn’t buy that!

If you notice a charge on your credit card statement that you didn’t make, take steps to deal with it IMMEDIATELY. It could be a store error – but it could be the first sign that someone else is using your identity. Heading off problems before they start is vital. Call your credit card company and report the charge that’s in error – but don’t leave it at that. Follow up with a written letter stating that you dispute the charge, and requesting that they investigate the situation. The credit card company has 45-60 days to complete their investigation and notify you of the result. During that time, they can not make any attempts to collect that amount from you, nor report you to a credit reporting agency because of it.

2. Wait – I canceled that subscription!

If you cancel a subscription for which you pay via credit card – to a magazine, a club or internet service provider for instance – it may take a month or two for the cancellation and ‘chargeback’ to show up on your credit card statement. Again, notify the credit card company that that account has been canceled and request that the charge be removed from the bill.

3. My bill just doesn’t add up right!

They’re rare, but mathematical and reporting mistakes do happen. If you notice a discrepancy on your bill between their reports and your receipts, write a letter to the credit card company – being sure to use the address for reporting credit card disputes. Include copies of both the bill and your receipts for the disputed charges.

4. I returned that dress!

Like a canceled subscription, it sometimes takes a billing cycle or two for charge-backs on returned items to appear on your credit card bill. Write to the credit card company and enclose copies of your return receipt, asking that the charge be removed from your bill.

5. What do you mean, there’s a late fee?

Your best defense against late fees is to make sure you send your payment in plenty of time to reach the credit card company by posting date. Keep in mind that credit card companies date payments by date received and/or posted, not by date mailed. Because of the effect a late payment can have on your credit card billing and your credit history, though, it’s sometimes worth a try to get them to ‘take it back’. If you have evidence along the lines of a check cleared to your bank account before the payment was posted to your account – and it’s before the late payment date, you can write to the credit card company and ask for a review of the charges.

Joseph Kenny is the webmaster of the credit card comparison sites http://www.credit-cards-info.com/ and also http://www.creditcards121.com/

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A home daycare can be a rewarding profession for moms who want to stay at home with their own children. Yet, there may not be any other job that is more stressful. Be aware of the 7 biggest stresses and turn them into blessings instead.

STRESSOR #1 – Operating Costs are High
Solution: Apply to have your daycare contracted through the region
Contact someone in Children Services in your region or county regarding becoming a child care provider. A child service worker will come to meet you and discuss the region’s policies. If you like what they have to say you sign a few documents and are well on your way to an increase in pay. The region may pay substantially more than parents will.

STRESSOR #2 – Not Enough Children in Your Care to Off-Set Costs
Solution: Build A Waiting List
A waiting list will be your most valuable asset. Turn over rate is high for home daycares so do not take it personally or become discouraged. Be prepared. Keep your daycare in the public eye by having a website, running a continuous small ad in the local paper and have a sign outside your home. Tell everyone you know what you are doing and ask them to tell a friend.

STRESSOR #3 – Too Much Work, Not Enough “Down Time”
Solution: Schedule regular breaks for yourself
There must be quite a few things that a hot bath won’t cure, but I don’t know many of them. ~Sylvia Plath,

Finding ways to de-stress is very important. In order to find balance and moderation there must be things in your life that you enjoy doing that are calming and restorative. Do not try to do it all. Read a book or knit while the children are watching TV. Do something you enjoy. Arrange to have grandparents or friends watch your own children for an evening once a week so you can relax. Do what is relaxing for you and rejuvenate your spirit.

STRESSOR #4 – Cook, Serve, Clean…Cook, Serve, Clean…Over and Over Again
Solution: Create a monthly menu plan to follow and keep it simple.
Again, do not try to do it all. Keep your snacks and meals simple and child-friendly. Use a calendar or spreadsheet to list snacks and lunches for a month. Usually one week will fit on one page. Use this chart when you go shopping and it will allow you to buy in bulk and to catch things when they are on sale. It will also prevent the added frustration of having to think each day about what you want to feed the children only to find out you have run out of a necessary ingredient.

STRESSOR #5 – The Place is a Mess!
Solution – Hire an affordable cleaning service
As soon as your budget allows hire someone to clean your daycare area every one or two weeks. This will be in addition to the daily cleaning you will be doing of course. But it will give you a break and help reduce the spread of germs. You are already doing so much work, let someone else do the deep cleaning.

STRESSOR # 6 – An Accident Happens on Your Property
Solution: Create an Emergency Plan and Kit
Emergencies can happen at any time and any place. Be prepared by having a plan in place. Ask yourself: How would I bring a child to the hospital? Who would stay with the other children while I left? Find helpful information online or attend a course that offers an emergency plan for businesses. Be prepared for anything.

STRESSOR # 7 – Parents Do Not Do What They Say They Will Do.
Solution: Begin a pattern of open communication with parents from day one
Parents may be one of the most unpredictable elements of your business. Start on a good note by having them sign all the necessary documents and talk in detail about the arrangements you will have for their children. Then stay in constant contact with them as issues arise. Try having little notes to send home with their child. Use a newsletter to keep all parents updated and to send out reminders.

Now all you need to do it put this into action. What is your biggest stressor right now? What is one thing you can do today to eliminate your biggest stressor today? What are 5 steps you can take this week to eliminate your stressors and bring more blessings into your life?

Rachel Perry Pellegrini is a certified elementary school teacher. She has been running a home daycare for the past year and writes about her experiences with the intention of helping other mothers overcome obstacles in their own home business. She has a background in Journalism-Print. Her daycare website is http://www.daystardaycare.com and her blog can be found at http://www.thesimpleself-improvementproject.blogspot.com

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If you don’t mind losing $5,000 in 10 minutes, you may enjoy trading commodity futures contracts. There’s an old saying among commodity traders: “It’s easy to make a small fortune in commodities. Just start with a large fortune!” This is not a business for people who are emotionally attached to their money, yet thousands of average “investors” get lured into the commodity markets year after year. Why? Because of the possibility of making high percentage gains using the built-in leverage that is available to commodity futures traders.

The commodity markets include wheat, corn, soybeans, pork-bellies, gold, silver, heating oil, lumber, and numerous other common trade items. The huge companies that operate in these markets use commodity “futures” contracts to lock in their selling prices for the product in advance of delivery. This practice is called “hedging.” On the other side of that transaction is the trader, who speculates on whether the priced of the commodity will go up or down before the contract is due for delivery. Because futures contracts may be purchased using leverage, these financial instruments lend themselves to speculation.

For example, control of a corn contract worth $5,000 may only requrie $500 of actual cash, or 10% of the face value of the contract. If the corn goes up in value, and the contract becomes worth, say, $5,500, the speculator has made $500 on his or her original $500, for a 100% return. Compare this with the regular stock market, which limits leverage to 50%, so that $5,000 worth of stock requires a minimum of $2,500 of capital. If the stock goes up to $5,500 in value, the $500 gain is against $2,500 invested, for a return of “only” 20%. The 100% return sure looks a lot better, right?

You can easily see why investors in search of quick gains are hypnotized by the lure of big profits using maximum leverage in commodity futures trading. The real problem, however, is that the leverage works in BOTH DIRECTIONS. You can lose your entire investment in a matter of minutes due to the wild price gyrations that sometimes occur in these volatile markets. Let’s say the $5,000 contract drops to $4,000 in value instead of increasing. You’ve not only lost the original $500 you put into the contract, but an additional $500. You can go broke quickly this way.

So why do people play this game? Average investors do not wake up in the morning and say to themselves, “Right, I think I’ll start trading commodities.” What happens is, they receive a sales pitch from a commodity trading “guru” claiming to have a “system” for generating sure-fire profits in these wild markets. These “systems” range in price from $25 all the way up to $5,000 or more, and are sold based on the promise of “huge profits” from a small starting investment.

Newsletter writers or commodity gurus regularly pitch the myth about turning $5,000 into a million bucks in less than a year. The typical commodity system pitch comes in a long sales letter or booklet that describes a method for winning on “9 out of 10″ trades or similar inflated claims.

Of course, if it was possible to correctly trade 90% of the time, a person could easily amass millions of dollars in a very short period of time. So why are these guys so eager for you to spend $195 on their super-duper trading course? Because they probably aren’t making any real money with their own trading program! There’s much safer money to be made selling others on the idea of getting into commodity futures trading.

There is no sure-fire way to consistently make money in these markets, simply because the underlying commodity prices can swing wildly back and forth depending on a complex set of variables, many of which are totally unpredictable. That’s why the only people consistently making money in the commodity markets are the brokers, who collect a commission for executing the trade regardless of whether it wins or loses. There are also a handful of successful professional traders who make a living in these markets. But the vast majority of people who dabble in commodity futures lose money.

Unfortunately, with the lure of huge returns and easy money, a fresh crop of innocent traders enters the market each year, only to be quickly fleeced out of their money. Don’t be one of them! Leave commodity futures trading to the professionals and stick with the more boring forms of investment, such as mutual fund investing or stocks and bonds.

Charles J. Phelan has been helping consumers become debt-free without bankruptcy since 1997. A former senior executive with one of the nation’s largest debt settlement firms, he is the author of the Debt Elimination Success Seminar™, a five-hour audio-CD course that teaches consumers how to choose between debt program options based on their financial situation. The course focuses on comprehensive instruction in do-it-yourself debt negotiation & settlement designed to save $1,000s. Personal coaching and follow-up support is included. Achieves the same results as professional firms for a tiny fraction of the cost. http://www.zipdebt.com

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If you wish to buy something expensive like a home theater system or even take your family out for a vacation, opt for personal guaranteed loans. Such loans help you get rid of past dues from high-interest credit cards. The credit card company resorts to hiking up the interest rates in cases of missed or late payment.

Want to start a small business? Bank on a guaranteed personal loan. This would be a great investment if you have an entrepreneurial spirit. On your first loan, the limit may be much lower than on your subsequent ones so you need to bear this in mind. When you have established your trustworthiness by paying out on time, you could ask for a larger loan the second time.

You could apply for such loans online without having to leave your home. You have to meet certain pre-set criteria to get a guaranteed personal loan. Lenders are normally looking for a certain level of monthly salary and a good credit score. Proof of money earned from your current job along with some documentary evidence confirming your tenure of service are sometimes required by some lenders. Your credit score would impact the amount of loan that would be sanctioned.

During hard times like in-between paydays or when you are without a job, guaranteed personal loans are of great help. Local lenders as well as lenders who operate online can arrange such loans for you. The money can be sent to you by mail through check, or you could ask them to deposit it to your bank account. You could give your bank standard debit instructions for repaying the loan. To avoid additional fees, make sure that you repay on time. These loans are good for the borrower since it charges lower interests than credit cards.

Obtaining online guaranteed personal loans was unbelievable even a decade back. The Internet has brought so many options to United States consumers and those abroad. You can do so many things in a matter of minutes that would have previously taken you much more time and effort to accomplish. Guaranteed personal loans are only one of the millions of things you use the internet for. It is impossible to fathom the immense opportunities which technology has opened up for us.

Jane Andrews/Steven are the owners of the credit repair secrets site. Do sign up for their newsletter and learn more about credit crunch issues and remedies. You will learn how to improve your credit ratings over 249 points or more!

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