Stock Market Investing Strategies For Beginners

By Piper Marchon

How you buy stocks has changed an awful lot in the last decade. You used to have to have a broker and call him or her up to make a trade. Most everything was done over the phone or in person and that included opening the account and discussing your investment needs with the broker. If you were new to investing, having to do those things could have been quite intimidating.

Todays investor never has to have any contact with a real person if they dont want to. The computer and Internet has allowed the stock market game to change drastically and people can do everything themselves by just pushing a few buttons. Some may argue that buying and selling stock has become too easy because it allows people to have a gambling mentality. Day trading was an offshoot of this as people learned how to buy and sell back stocks within minutes, something they would have never done in years past with the old system.

Where can a novice investor go to learn how to buy stocks and how the market works? There are many books in the library that will explain all the terms and principles and you can also do a lot of research online. Watching investment television programs would probably not be a great idea because all those "gurus" seem to want to do is give you their stock picks that are dubious at best.

Once you have studied some stock market basics for a while, it could be a good time to get started buying a stock. You can read and learn all you want but nothing is a substitute for the real thing. On the job learning is the best teacher and that goes for the stock market too.

However, now is probably a tough time psychologically to start buying stocks beginners because the market has had such a bad run. When the market was going up every day, buying a stock for the first time was easy because you expected it to go up more. Any beginner had the feeling that whatever they bought would be a winner. Right now though, the atmosphere and feeling is probably just the opposite of that. Although it is good to buy stocks when they are low, it is hard to buy something that you know might not be worth as much tomorrow as it is today. Stocks have been so relentless in going down over the last year that a beginner might want to get in but be very scared. - 23196

About the Author:

Would you like to learn about buying stocks for dummies? If so, please visit my website The Stock Market For Dummies.

How to Pay Off Debt, Even if You Never Could Before

By Sean Payne

A large number of people who are currently in debt have tried at least once to pay off their debts. Many of them have tried several times. Unfortunately, most of them have failed, ending up even deeper in debt than before.

So, why do all these people end up getting deeper and deeper in debt? The answer lies in the approach that they use to get out of debt. Those who take on more debt in an attempt to get out of debt are only putting a patch on the problem. Debt consolidation loans may work for a short while, but the underlying habits that created the debt problem in the first place will work against them.

The answer lies in correcting the underlying habits that create the problem of debt. The easiest way to do this is by using a debt repayment plan that won't allow you to indulge in those old habits.

What are the steps of the best plan for getting out of debt and avoiding bad habits?

The first step is to create a buffer between you and going into additional debt. When you're stretched really thin financially, even a small financial emergency can make you go back to using debt. What do I mean by a buffer? I mean a small amount of savings, somewhere between $500 and $1000, depending on your situation. It should be enough to fix your car if it breaks, pay the plumber if a pipe bursts, or pay the bills if your paycheck is late or too small.

The second step is to take on no new debt. This means no consolidation loans and no second mortgages. People who use second mortgages to consolidate and pay off their debt are replacing their unsecured debt with a loan secured by their home. The problem, then, is that if they can't keep up with payments on this new loan, they are at risk of losing their home.

The third step is to make a plan to pay off all your debts. Realize that the order in which you pay off your debts can make a huge difference. If you do it wrong, you're at risk of losing your motivation to get out of debt. Do it right, and you'll pay off your debts quickly while becoming more and more enthusiastic about getting out of debt.

The fourth step is to carry out your plan. The easiest way to do this is to automate your debt repayment plan. One way to accomplish this is to use an automatic bill payment service, such as the kind offered by most banks. Once set up, a bill payment service will keep you from incurring late fees. Most bill payment services are free, so this is awesome if you want to get out of debt.

The final step is to stick with your plan. After a while, you'll develop a little momentum, and this will become even easier. The right plan for paying off your debts can make a significant difference.

There you have it: You now know how to pay off debt even if you failed last time and every time before that. All it takes is the right approach. - 23196

About the Author:

Sean Payne has taught people how to get out of debt for over 10 years. To get more information about how to pay off debt, get Sean's excellent free course on debt reduction management.

Covered Call Strategy Made Easy

By Maclin Vestor

Every day people speculate wildly on stocks putting leveraged bets that a stock will be bought out, or surge in value. However, for every buyer there is a seller, for everyone who buys the leverage, there are people who sell the leverage. If you dream of a $1 stock flying to $100, this isn't for you, you should learn to be the one buying calls, not selling them. Be warned, however that if you are a buyer of call options that you will be taking on much greater risk, and you will be relying on the price of the stock moving up sometimes very significantly in order for you to make money. In addition, buying options require costs that are not redeamable, so even if the stock remains the same price you could still lose money buying options.

However, if you believe in buying for the long run, yet think things currently will stay the same, get worse, or better yet, get better, but by a limited amount, then a covered call strategy may in fact be right for you.

It is said that a call option is similar to putting a $100 nonrefundable down in hopes of reserving an item at a price lower than you believe it will be sold for. Now selling a call is instead selling that right to allow others to buy away your item that you own at a fixed price such as $1000. If for example there was a new car that wasn't even released yet, and the retail value was set at $20,000, and you believed there would be a lot of demand, you might pay 2000 to speculate at a set price of $22,000 that it would be worth more. The car would have to be worth $24,000 for you to break even, but if it was worth $26,000 you would double your money, where as someone who reserved it at $20,000 and paid the full $20,000 would tie up 10 times more money for the same gain. Now one can obviously see the excitement for owning a call option, but why would you sell an option?

Lets say you were actually the builder of that $20,000 car. You may have put $30,000 into it, you may have put $15,000 into it, it really doesn't matter, because you think that the car will be sold for around $20,000 which is what it would go for now. For some reason you think that this car actually will go up in value over time, however for the next month you do not. You would then sell the $20,000 option, and if you're right and the car stays under $22,000 then you collect that full $2000. If you're wrong and the car goes to $23,000, then you still collect $1000 as the contract is only worth $1000 but you sold it for $2,000. If the car goes to $26,000 you would owe $4000. Since you owned the car itself, you would pay the contract buyer the difference, or the car would be called in, and you would have to sell it at $22,000, and give the contract buyer the $4000 difference. If you still wanted the car, you would have to buy it back at $26,000. Even if the car went to $100,000 you would still gain $2,000 for the contract. Of course, you would miss out on a HUGE gain, but it is the price you pay for writing calls. The risk is both that you miss out on a bigger gain, and that you are still only offered limited protection from a loss.

One example is if instead the car could only be sold for $18,000. Although this normally would be a $2,000 loss, you would collect the $2,000 from the option call buyer and lose nothing. Now if the car attracted no buyers, it would be worthless, and you would only collect a lousy $2,000. Options work in a very similar way to the above example. Writing a covered call is merely selling a contract that entitles someone else to you potential gains, that you risk giving up for guaranteed income. You sell hope for a sure thing at the expense of giving up your own potential for large gains, while still maintaining the downside risk of the stock.

In a covered call trading system, the idea is to write covered calls over and over again every single month, collecting a premium. Ideally you would want to have the stock rise to the strike price and expire, and then you could perform a covered call the next month at a higher and higher strike price as your stock actually gained in value.

Now say you own 100 shares of a stock at $73 per share. Lets say you don't expect it to go up beyond 75 this month. So you sell a covered call at $75, receiving a fixed amount like $200. If the stock rises above 75, you will not be entitled to the gain, but you will receive the $200 for the stock going from $73 to $75 ($2 per share for 100 shares). The hope is that you can continuously collect these calls and that the stock never goes above whatever strike price you buy. You are essentially trading a stocks potential for steady income. Of course if your stock goes to zero, you lose everything but the $200. Its important to own stocks that will be around for a long time, and to know this, you must understand a stocks balance sheet and financial statements, and you still probably want to be willing to cut your losses short, selling both your call and your stock price. You still need to educate yourself in the risk of the less liquid option market as there is a big difference in the bid and ask price. - 23196

About the Author:

Maclin Vestor teaches about varioustrading systems and teaches you how to buy stock that works for you.

Chose Best Forex Expert Advisor

By Lukas Veselinov

It is always best to learn the rules and how to chose best Forex robot if you plain to gamble in the stock market arena on a long-term basis. There is a huge number of Forex robots to choose from in which the marketers of these programs often claim that their robots are the best choice.

In spite of the claims made by the distributors not every robot will provide you with the best results. You have to be careful in selecting the robot that works best for you. Some of the leading robots include Fafturbo, Forex Autopilot and Forex Megadroid.

Examining these Forex products, can help you chose Forex robots to succeed? FAPTURBO is one of the leading Forex products because it has two built-in strategies including one that is based on the short-term scalper. The other is based on the long-term trends in the trading industry. The program has a complete automatic tool, which does not require of you to intervene with the program. It also has a system set up to silently work as an anti-loss algorithm. It is known as the "stealth mode."

If you are searching for a multi-market conditioned programs and tools then the MEGADROID is a good choice. This product has the ability to handle the trends and the Forex market scopes. According to online sources, the company claims this robot can produce over 95 percent of precision rates because it has the latest AI (Artificial Intelligence) technology advanced tools.

AUTOPILOT is one of the top picks for those who are searching for multi-choices in proven indicators that comprise of (%R) or Williams' percent range, Demarker, Fractals, or the alligator respectively. The product helps you to choose your trends. You will know when to trade in Forex, since the program points you to the strongest time to bid or trade. This particular robot helps you to know when the trend is right. It uses indicators to help you know when to buy/bid, trade, etc. The system has a incessantly structure that allows you to gain complete admission to the trend market. You will be able to mature and develop your skills with success.

You have a huge selection of Forex robots to choose from, but to find out how to chose the best Forex robot for you, you will need to scrutinize the market by putting forth some effort to find the best choice. Searching for others who have been in Forex trades and asking them about the different robots may help you find the right program that works for you. Speak with the traders in Forex and learn about their success.

Find out which programs they used. Ask traders online to help you find the top robots that has worked for others. Look for a few success stories from others who have had good experience with using the robots.

Study the features and tools. Find out how each of those features and tools work to benefit you. Try to learn all you can about the different tools and features to find the most profitable choice. Trail versions are available on the Net; check them out by downloading them and trying the different features and tools out. - 23196

About the Author:

If you are looking for reliable forex expert advisors information or home based business opportunity advices Visit Smart Product Reviews read our reviews and chose the one You like best Smart Prodduct Reviews team - Lukas Veselinov

Forex Trading - Your Easy Way to Make Money

By Seth Gainer

Forex trading is becoming one of the most popular ways among those who like to make money online. With the advent of the internet many people have started trading in the forex market as one can earn money sitting in the comforts of their home. Forex trading involves certain amount of financial risk; however, with little extra caution and appropriate planning one will be able to make money without sweat.

The basis of Forex trading is speculation. One needs to closely observe the currency pattern and their movement. The secret to make money here is to have your investment in the right currency at the right time. However, it is not as risky as the share market though the dynamics of both areas resemble.

There are two ways how people make money through Forex trading. One is short term investment and the second type is long term investment. Forex traders should plan their strategy carefully regarding their approach. One can always switch between any of these two ways at any point of time depending on the speculation.

Short term trading is for experienced forex traders. Here the trader has to closely keep track of currency trends so as to benefit from sudden movements of the currencies. In short term forex trading, one does not wait long for the value of the currency to increase very high. Once the value of the currency reaches a certain percentage the trader engages in exchange with a lesser margin. Here the transactions are done almost on daily basis so as to make money.

Long term trading tries to capitalize on stable currencies those grow stronger gradually. When someone wants to try their hand on forex trading to make money, long time trading is better suited as it will give time for the beginner to understand the market and the way it operates. Trading activity is very little here when compare to short term trading.

Today, there are literally hundreds of Forex trading training courses available for beginners. These training courses will provide the students with all the basic information regarding the Forex trading and how to avoid risks, handle loss and every thing they need to make money in this field. You will also be introduced to some of the tools those are available in the Forex trading market that can be used to see better profits.

Before venturing into forex trading you should analyze your options so as to ensure that you will not put yourself to financial risks. This is a field that involves certain amount of risk. This should not be made your only or prime source through which you will make money. To start with, forex trading should only be considered as a source of secondary income. It requires a great discipline to stay contented with low profit margins that will allow you to trade safely without risk.

When you are starting off with your Forex trading, you must invest only in currencies those are not highly volatile. There are a number of factors those are connected with the Forex trading and the currency market. Most often than not, these reasons are less obvious to the beginners. So to make money here, one should draw up a strategy that will work for them. The strategy should be backed up by a thorough analysis of the global market. Beginners should allow themselves time for the learning curve and not discouraged if they are unable to make money at the rate they expected. - 23196

About the Author:

Before you wager your hard earned cash, check out our free forex trading insider tips. Plugging into a successful currency trading system is a must for all successful currency traders.