Stock Trading

October 27, 2008

Stock market has the have all type of investors those are based anywhere like large hedge fund traders, and also small individual investors. The order of that stock traders ends with a stock exchange which involves professional.

Some transactions are done in open outcry means the exchange are physical locations where transactions are carried out on a trading floor, it happens in stock market and commodity exchange her traders enter verbal bids and offers simultaneously.
The other type of stock exchange is a virtual kind, composed of a network of computers where trades are made electronically via traders.
The potential buyer bids a specific price for a stock and a potential seller asks a specific price for the stock. When the bid and ask prices match, a sale takes place on a first come first served basis if there are multiple bidders or askers at a given price.


Stock Market:

October 25, 2008

Its is also know as public market or equity market which is used for trading of company stocks, on other words it can be said that its a market for the trading of publicly held company stocks or shares and associated financial instruments which includes stock options, convertibles and stock index futures. Derivative of company stock is a agreed price, as these are securities listed on a stock exchange as well as those only traded privately.

The estimated size of this market is approx $480 trillion, which is 12 times the size of entire world economy. The stock market in Europe includes the London Stock Exchange, Paris Bourse, and Deutsche Borse. As well as the United State includes the trading of all securities which all are listed on the NASDAQ, NYSE, and Amex also the regional exchanges


Mortgage

October 23, 2008

What is Mortgage?


It is a type of using real properties and personal properties as a security for the payment of a debt. But mortgage in it self is not a debt, it is only an evidence of debt. We can also say that the mortgage is a security for the loan that the lender makes to the borrower.


A mortgage loan is a loan secured by real property through the use of a mortgage of a legal instrument. In many places it’s strongly associated with loans only secured on real state not for other properties. For some places the land may be only mortgaged.


In other words we can say that it’s a standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately.


Some Money Saving Tips

October 21, 2008
  • Retirement saving may be the ultimate goal; it’s not always a motivational one. Break long-term goals into chunks. Find the saving goals that can be completed in just a few years.
  • The trick to becoming an effective saver is identifying with a saving goal that provides you with the motivation needed to get the job done.
  • Don’t think of the money you spend as a percentage of your total income. Think of it instead as a percentage of your potential savings.
  • This is straight from your Money or Your Life. Time literally is money. Each dollar in your paycheck represents some amount of time it took for you to earn it. Figure out how much time a dollar is actually worth to you, and you can begin to see your expenses in a whole new light.
  • Think that you’re not just saving to be able to do what you want at the end of your life, but to also to be able to do the things you want today.
  • Its been said that always save for the right sorts of reasons those which are life-enhancing reasons and you will no longer think of saving as miserly.


Save Today and be Happy for Tomorrow

October 19, 2008

If you save some thing today you can live better tomorrow. Means if you save for today you can use it when you need that.

May be all of you already do the saving. It makes sense that the people who do the sorts of things that constitute good planning tend to feel happier than those who don’t. It appears that the very act of preparing for retirement may deliver a reward now as well as later. For securing your future you should take steps toward a secure retirement can make you more content is hardly a stretch. Economists, psychologists and others who study happiness find that people who have a sense of control over their lives cope better with stress and live more happily, while those who feel powerless are more likely to be depressed.

Set a goals before any planning think about the percentage of pre-retirement income you’ll want to replace once you retire – say, 80% to 90% and keep refining your savings target as you near retirement.

Take a positive to achieve a goal, if the amount you are putting into your 401(k) falls short of your savings target, boost your contribution.

Control debt and avoid unrealistic to avoid borrowing altogether, you can prevent debt from undermining your retirement security by not carrying a credit-card balance.



Bankruptcy

October 17, 2008

Bankruptcy

When an individual cannot pay their debts as they fall due it is a legally declared inability or impairment of ability of an individual or organization to pay their creditors. Creditors may file a bankruptcy petition against a debtor (“involuntary bankruptcy”) in an effort to recoup a portion of what they are owed or initiate a restructuring, bankruptcy is initiated by the debtor a “voluntary bankruptcy” that is filed by the bankrupt individual or organization). If you are ever faced with the prospect of bankruptcy you should look at alternatives as soon as possible such as the.

Implications of bankruptcy

You lose control of your assets and cannot obtain credit for over £250 without the permission from the lender. You cannot act as a company director and cannot take any part in the promotion, formation or management of a limited company (LTD) without the permission of the court. The person cannot trade in any business under any other name unless you inform all persons concerned of the bankruptcy. The person may not practice as a Charted Accountant / Lawyer, and also may not act as a Justice of the peace (JP). The person is also unable to become a member of parliament. And also may not become a member of the local authority. The credit is affected for many years after the annulment and may be publicly examined in court.

Advantages of bankruptcy

For the person involved, bankruptcy provides relative peace of mind and possible automatic discharge after one year or less in some cases. For the creditors, bankruptcy allows a full investigation of the debtor’s affairs to be carried out.