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Tuesday, September 29, 2009

A Helping Hand In Real Estate

By Paolo Koster

Among the so many varieties of credit cards, one of the most underestimated is the value of a business credit card. Many people do not choose to apply for a business credit card because aside from having a definite target market" the business owners or business executives"it seems to be complicated to use.

Basically, business credit card is for the business peoples consumption. Compared to the regular credit card, a business credit card has a high limit plus low interest rates. Depending on the manner of choosing, a business credit card may also bring a lot of automatic benefits.

Aside from bearing the image of a dependable credit card, business credit card boasts of having detailed reports and giving quality customer service as its major trademarks.

Aside from having limits and low interest rates, a business credit card provides many alternatives and numerous credit options for small businesses. A business credit card also caters to large corporations that are crafted to aid those people who are starting with their own business to grow while closely monitoring the baseline of credit.

When one applies for a business credit card, there is no need to visit the bank. There is also no need to wait in the queue just to talk to a bank representative. When you apply business credit card online, all you have to do is to select the business credit card option that would perfectly suit your small business or corporate credit requirements right from the comforts of your home or office.

Customized company logos and access to instant cash are also available on line. Other business credit card online offers detailed reporting features for easy monitoring and access.

The business credit card holder or customer might receive fee-free checks as well as a card to access the account. Everyday savings or exclusive savings, express approvals, no annual fee, up to 5 percent rebates on all qualified purchases, and 0% introductory annual percentage rate (APR) on purchases during first half of the year of card membership are some of the great offers of most business credit cards.

So, real estate investment is really about finding good deals. And finding good deals does take some effort - 23221

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How To Select Trading Window Frames? (Part II)

By Ahmad Hassam

The first step is to identify the type of trade into which we will enter. It all depends on your trading strategies. What matters most to a trader or an investor is how to create a positive cash flow.

Once we acknowledge what our goals and objective are than we can narrow our expectations. Is it a day trade? Is it a swing trade or is it a long term positions trade?

Suppose I am a day trader. I will be generally be able to identify what the average range for the day is and expect that if I miss 20% of the bottom and 20% of the top then I can expect to capture 60% of the average daily range. My expectations are for X amount of a given range.

For that I will have to structure my computer and charts to a format that is conducive to day trading. Day trading can be stressful for some people. You need to know all these things before you decide on a trading style for a trade. So how do I start? How many pips you want to make in a specific time frame like eight to six bars from entry? Say 30 pips or 40 pips! This is what you should expect in day trading. In swing trading the profit targets can be higher but the time frame is also much longer.

If you trade Euro, Yen or Pound, then for day trading, use the 15 minute time frame for the dominant trend. Use the 5 minute time frame as a shorter time frame trigger to go with the 15 minute signal. Use the 5 minute time frame to exit a position in day trading.

The key to remember is when the 15 minute time period is in the buy mode, take the 5 minute buy signals. Similarly when the 15 minute time period is in sell mode, take the 5 minute sell signals.

As a day trader you can watch the 60 minute time period, but if you are in a trade based on the 15 minute and the 5 minute time, these are the time frames you need to monitor for that specific trade.

During day trading keep in mind your profit targets and where you are in range. Keeping an eye on the 60 minute time period will help you identify the current trend if a moving average crossover occurs and a potential change in the trend.

If the Euro is already down 50 pips when a sell signal is triggered, the odds are that your profit potential is in the range of suppose 30 pips or less if the average true range (ATR) is 80 pips based on the past 14 trading days. How do you calculate these things?

Using good forex charting software will help you automatically calculate all the daily, weekly, monthly pivot points as well as the daily range, support and resistance, S-1, R-1 and other stuff.

You should learn how to calculate pivot points. Using pivot points in day trading can give you an edge. For day trading use the 60 minute time period for calculating the monthly pivot points, 15 minutes time frame for calculating the weekly pivot points and the 5 minute time frame for calculating the daily pivot points. - 23221

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Importance of Global Economics in Personal Finance

By Adela Thomas

When Understanding Finance, it is very important that you recognize the pros and cons of any system. This not only is limited to your own system of recognizing what is important to you, but also a much more broad category of finance. You should understand as much as possible about the subject of money in order to really know what the best use of your time and money is.

You can learn all about various things such as monetary policy, the history of money, various currency, reserve currencies, the dollars function in global economics, and the possibility of an international currency, and what role a reserve currency globally has on the economy under various monetary systems.

The world currency refers to which the vast majority of international transactions take place and which serves as the world's primary way of receiving money. In March 2009, as a result of the, have pressed for urgent consideration of a global currency and panel has proposed greatly expanded the reasons for having great supplies of money. The countries of the world, all, require money in some form or the other.

It is undeniable and must be received in order for a country to survive. The world's currency has many faces, and denominations. From the US Dollar to the Israeli Shekel, the colors, the shapes, the varieties are as different as the people of the world. The currency that is used the most has to be the US Dollar. Some of the currency that is in the world today is as a piece of art, beautiful, sometimes not the value of the paper printed, but still a work of art.

One of the reasons the dollar is so valuable, is because it has reserve status. The Bretton Woods agreement called for a reserve currency around the world that would be held by all for stability. At the time, the dollar was 100% backed by silver and gold, however as it stands, it has lost that security. Fortunately for the world economy, the US government has shown its ability to produce and deal with periods of instability.

Unfortunately the danger that we are approaching is that the US may lose its status as a superpower as China continues to grow its economy and other nations around the world continue to grow. This should be a concern to your personal finances because if the dollar loses its reserve currency status, that means that the dollar will lose value, while things like gold, oil, precious metals and other commodities will maintain their value, increasing their value when priced in dollars - 23221

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Five Things You Need to Know About Debt Collectors' Rights

By Sean Payne

If you still owe money on debts, you may already know your rights under the Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act, also called the FDCPA, says that you have the right to demand that debt collectors use certain ethical debt collection practices.

The FDCPA outlines when and how debt collectors can contact you, and what they can say to you in order to collect a debt. For example, a bill collector cannot lie to you in any way, or misrepresent the facts about your debt. This Act was created as a result of a long history of abuses by debt collectors. What you may not know about the FDCPA, though, is that bill collectors have rights, too.

The first of their rights is to communicate with you in order to let you know about any debts you owe. They can do this via telephone or letter. In this communication, they can let you know exactly what you owe, including whatever fees or penalties they may charge you.

Next, they have the right to keep contacting you unless you tell them in writing that you don't owe the money that they claim you do, that you don't owe them as much as they say you do, or that you're demanding that they give you proof that you owe the debt. They are, however, limited by the FDCPA in how and when they can communicate with you, but as long as they stay with the rules under the FDCPA, they're allowed to continue to contact you unless you tell them to stop.

Third, if that debt collector is actually the creditor to whom the money is owed, or an in-house agency owned by the creditor, they can continue to contact you even if you request that they stop contacting you. This is because the FDCPA does not recognize creditors as debt collectors, so they are not subject to the same rules as collectors are. Of course, they still have to abide by the rules of decent behavior outlined in the law, such as not harassing people you know, or calling at all hours of the night.

Fourth, debt collectors have the right to talk to other people regarding your debt. However, they can only do this once, and only to discover your address, your phone number, or your place of employment. They can't contact a third party more than once, because that would be harassment.

Lastly, a debt collector can sue you in court in order to collect on a debt that you owe them. Of course, you still have the right to defend yourself in any legal proceedings, but if the judgment goes against you, the judge may garnish your wages.

If you have to deal with debt collectors, know your legal rights. But make sure that you also know the rights that the FDCPA gives to debt collectors. Knowing this can help you to deal with them more easily when they become a problem. - 23221

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Discover The Dubai Luxury Real Estate

By Andrew Johnson

Dubai has been a favorite get away with both celebrities and common folk. Dubai is well known for its exquisite beauty and comfort. Dubai hosts a series of luxurious real estates. You need to choose for yourself very carefully keeping your style, budget and comfort in consideration.

Dubai is well known for its rich architectural designs and advancements. Their architectural techniques are unmatched. You can choose an apartment, villa, or a penthouse. If you are looking out for most luxurious real estate in Dubai here is a list for you:

La Residence At The Lotus in Business Bay

Elegance and luxury are the two hallmark of La Residence At The Lotus. Nature inspires its beauty and you are sure to be charmed by its exclusivity and ethnic design. On a circular podium stand the four towers which are tapered both at the bottom and top. The lighting is done so artistically that it makes the hotel look splendid at night. Cross ventilation adds to the ambiance of the hotel.

You are sure to find all the luxuries under one roof. The rooms are well done keeping the traditional touch in consideration. You can find rooms of various sizes to choose from as per your requirements. The princely treatment offered here, will surely make you feel pampered. You can find spa, personal swimming pool, exquisite buffet food, sauna, steam and massage facilities.

Damac Heights at Dubai Marina

Damac Heights at Dubai Marina has always a hot pick by people that want to enjoy their life to the full. Designed by 'Aedas' the architecture is amazing and awe-inspiring. It would not be wrong to term this 90-storied building 8th man-made wonder. You can even enjoy the Marina Lifestyle. The view of marina and Palm Jumeirah is lovely. Fresh breeze you will experience sitting in the balcony is relaxing.

You can find here penthouses and duplexes and apartments. This is a home to limitless luxury. The interiors are fabulous and are a perfect blend of technology and tradition. You can an array of amenities like personal indoor pool, jet sauna and spa, private cinema, gymnasium and many more.

Business Bay: Lotus Heights

At Business Bay, Lotus Heights is the superior real estate. It is located in the area which is full of hustle and bustle of commercial and residential activities. This 64 storied tower speaks of sumptuousness. It features Signature apartments on 34 floors, Signature residences on 20 floors and Signature penthouses on 10 floors. The rooms feature exclusive luxuries and they are done well keeping the style and comfort in consideration.

The Palm Springs

This waterfront architecture is awe-inspiring and attracts many people's attention. All those who are looking forward to exclusive stay, always think of Palm Springs in Palm Jebli. Its superlative amenities like business center, professional housekeeping, and barbeque area are sure to make your heart go crazy.

Dubai Park Tower

In DIFC this exclusive two tower 30 storied real estate is situated. Around 400 apartments make this place a true heaven. The styling and interiors of the place is a blend of modern luxury with traditional touch. There is a terrace attached to every apartment, which allows you to cherish your evenings in the serene and calm environment.

Burjside Boulevard

This real estate is a perfect place for leisure and comfort. The 36 storied apartments are furnished keeping the modern style and comfort in consideration. But, you can also find some ethnic touch added to the interiors, to speak high Dubai. The swimming pool, lounge, health club, business center makes the place a perfect place to be.

If you are planning to own a luxurious property in Dubai which speaks for your style and class, choose among the following and make your life worth a living. You can easily ask for price quotes online and even compare and contrast to make a better decision without much of inconvenience. - 23221

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