Student Loan

This article is not really an article but rather just me expressing myself  freely, in the next post I will be publishing really important info about student loans and the best ways to keep your debt for a minimum... for now this is just me doing some free writing...

It has been a long time since I graduated from the University, it has been around 3 years since I finish repaying my student loan.

To be honest that is one loan I will never regret taking out, loans can be a great way to get in debt over your neck in no time, it is very important that when you apply for a loan you do a complete research before the application, read, consult, research and ask for information, most companies that give loans will give you a complete guide on how it will all work, from applying to getting the money and from monthly fees to paying it sooner that your stipulated date.

I took a considerable large loan for a 20 year old back in my day, it was a lot of money for me, at least back then it felt like I was going to be able to pay it in 2020 at least... I had a real good experience with my loan, went to the right company and talked to the right people, that is why I insist that you do your research and do it keeping in mind that you are going to owe a lot of money to someone, so you don´t want to end up paying 3 times the money you got due to interests and hidden fees.

search for the right company and remember to read the entire contract before you even think about signing with the firm you are getting the loan from.

Student loans can be relatively easy to pay, but you need to get a great plan, not a good one, A GREAT ONE!

Always remember that the best way to pay your student loan is first and foremost get it from a reliable source and ALWAYS READ THE FINE PRINT,  always paying your fees, never get behind on them and if you have the choice (and you really should have it, better yet, you should demand it!) to give advances to the capital you do it, always. you should be able to give advances on the capital side of your debt without getting any penalties.

Top 5 Recession Proof Businesses

Eventhough most of the planet is an economical crisis, tons and tons of people keep making money, why? 

how? it is very interesting seeing how many people even take advantage of recession to make more money!

It amazes me sometimes the gift some people have for business and to me, as long as you don´t hurt anybody in anyway, go ahead and earn money, money isn't bad just the ways it is made sometimes are... but back to topic, recession came to affect a lot of us, specially is our business is not a "primary necessity", but here are some recession proof businesses, and always keep in mind that even if your income decreased for whatever reason the las thing you should loose is you insurances, always protect yourself and your business.

The Top 5:

"Health care

Regardless of the times, someone somewhere will always be in need of good, professional health service.  This is an industry that has experienced some significant growth over the last few years.  And it doesn't show any signs of slowing down any time soon. 

If you have the resources – training, manpower and capital – becoming involved in a business that offers health services will assure you of a comfortable market.  Consider businesses that focus on offering affordable preventive solutions to people, alternative health care and home health.

Food and beverages

We're not talking about pooling your hard-earned money and starting a restaurant – although if that seems like a feasible thing to do, it just might work.  However, going into the restaurant business still has its risk – and a very high one at that. 

Instead, you might consider going into a food and beverage business by focusing on offering healthier fare.  These days, going into a recession is even a better excuse to eat healthy because it encourages people to cut down on their consumption and to avoid unnecessary purchases.

Consider alternative menus that are tasty and creative or specialized cafés and diners or even vegetarian eateries.  Concept plus good taste are usually the best ingredients to a successful recession-proof business.

Funeral services

Yes, this is a recession-proof business, morbid as it may sound.  It deals with an inevitability, which means you'll never run out of customers.  You could either get involved in selling services or offering related products.  Cremation, which has increased in popularity in the last few years, is also a good option.

Repair services

Repair services are also recession-proof businesses.  There will always be people whose kitchen sinks clog, whose air-conditioning breaks down, whose roof starts leaking or whose car suffers from overheating.  What these mean is pure business opportunity, even when economic times seem shaky.  And even if potential clients try to delay much-needed repair, they will still come to you for help eventually.

A caveat: many, if not all, of these businesses require specialized training, skills and equipment.  However, once you have these resources, you'll have access to a recession-proof business that does not only offer a potential for high margins, it's also a venture that won't require you to wait too long for a return on your investment.  Provided your services are tops, it's likely that you could be in business for a very long time.

Personals

It may seem surprising but starting a business involving dating and matchmaking could help you tide the recession over.  Recession or no, people will always be looking for someone special either for dating or marriage.  Already, this business has hit over $650 million in sales.

As a recession-proof business, starting a personals venture could mean good profits and steady work.  And no one even has to leave home.  Some of the most popular companies today are those that offer online dating (Internet speed dating included) to their clients.  With sufficient support, attractive and secure platforms and savvy, targeted marketing, this type of business is set to fly."

Smart Trading

Ok, so continuing with this set of articles I am posting here a very important piece of information, which I think is key when considering Forex, I am still trading in the practice mode, so far I managed to make like 2,000 dollars, but I also took a beating when the dollar went down, lost aprox. 700, so you can say I have made 1300 dollars so far. I have read a lot and so far I still don´t feel all that confident to do it with real money, as you know I am not a professional, rather I looking to learn and start making some extra income... so with no more things to say for now, here is part 3 of this series of articles, I mention once more that I didn´t right this I am only sharing it with you guys, enjoy!

P.S. If you think the information is repetitive and the same from other articles trust me, It wont hurt you to keep reading and reading and reading... always read, learn and be prepared.

"Hundreds of thousands of individuals have already joined the FOREX market. If you are interested in a way to invest your money with quicker returns, FOREX may be perfect for you. But before you can begin earning money, you should thoroughly understand the FOREX market.

Investing Methods

To better understand the FOREX market, you can compare this investing method to trading stocks. In the stock market, you can buy shares of many different corporations in the hope that stocks will rise, earning you a profit.

Well, the FOREX market works in the same way, except you are not buying shares of a corporation. Rather, you are buying and selling currencies. The aim is the buy a currency and sell it when the currency rises, thus earning a profit when the currency is more valuable.

As with the stock market, the FOREX market consists of those who invest a small amount as well as those with millions to invest. Any individuals with any capital can join in on the action. Because of the wide variety of FOREX brokers available today, you can become a FOREX trader with as little as two or three hundred dollars.

Predicting Results

But like the stock market, the FOREX market is full of risks. When you are investing any money there is always a risk of some loss. To minimize loss, many FOREX traders thoroughly educate themselves through classes, online courses, books, and other materials. There are many kinds of trading methods that will help you analyze current conditions and enable you to predict results.

The FOREX market is constantly changing, with drops and rises in currencies, 24 hours a day. The trick is to predict these trends before they occur, so you can buy currencies low and sell them when it is higher than the original cost. Sometimes, this means buying a dropping currency, and waiting for that currency to take on an upward trend. This forces you to keep up to date on the FOREX market conditions.

Online Trading

To become a FOREX participant, you should at least read a book, if not take a course. Because real money is involved here, you must proceed with utmost caution. Many FOREX investors sign up with FOREX related websites to receive newsletters, advice, and to keep up with currency trends. Some investors even sign up to receive trends on their phones and PDA's to stay in the game.

The good news is that you have the opportunity to practice with play money before you put any of your hard-earned cash through the FOREX market. When you sign up with a brokerage firm that offers the option to trade online, you can use play money to test and understand the software. You can use this valuable opportunity to put your research to the test by trying out different trading methods to see if your predictions and analyses are correct. While the money may not be real, the conditions are, which allow you a stable playground to learn and adapt to the FOREX market.

Stay informed to stay on top of your game; your FOREX profits count on it. By remaining vigilant, you'll be able to pull in great profits through the FOREX market."

Trading in the Forex Market P.2

This is part 2 of the Forex market, please keep in mind that I did not write this article, I am sharing it with you so that you can benefit from it. I am still in the practice mode of my Forex account and so far all the reading I have made has been a good tool, always be careful and do not do any trading with real money until you have a strong knowledge of the market.

"

 “How To”  Start Trading The Forex Market? ( Part 2)

Why is FOREX trading so popular?

Because you can trade from anywhere. From your kitchen table, bedroom, garage or from the nearest Starbucks coffeehouse ( most of them have wireless Internet connection).If you have or like to travel, take your laptop with you and you can trade the FOREX anywhere in the world where you have an Internet connection.

When you want to start trading the Forex Market nobody is asking you for a diploma, a formal license or a proof of how many hours you have spent studying the Foreign Exchange Market and/or Banking Industry.

FOREX Trading is Economical and Start-up Costs are Low!

You can open an account to trade Forex with as little as US$ 200 at he most brokerage firms.

I personally do recommend  Fenix Capital Management, LLC, which offers  a state of art Trading platform, that allows you to place orders directly by clicking  on the chart.

The Main Benefits of Trading the FX Spot Market are:

YOU don't pay commissions or fees!

YOU can trade 24-hours a day !

YOU can trade up to 400:1 Leverage !

YOU can have FREE Streaming executable Price quotes and live charts!

It is important to know the differences between cash FOREX (SPOT FX) and currency futures.

In currency futures, the contract size is predetermined.

With FOREX (SPOT FX), you may trade electronically any desired amount, up to $10 Million USD.

The futures market closes at the end of the business day (similar to the stock market).If important data is released overseas while the U.S. futures markets is closed, the next day's opening might sustain large gaps with potential for large losses if thedirection of the move is against your position.

The Spot FOREX market runs continuously on a 24-hour basis from 7:00 am New Zealand time Monday morning to 5:00 pm New York Time Friday evening.

Dealers in every major FX trading center (Sydney, Tokyo, Hong Kong/Singapore, London, Geneva and New York/Toronto) ensure a smooth transaction as liquidity migrates from one time zone to the next.

Furthermore, currency futures trade in non-USD denominated currency amounts only, whereas in spot FOREX, an investor can trade in almost any currency denomination, or in the more conventionally quoted USD amounts.

The currency futures pit, even during Regular IMM (International Money Market) hours suffers from sporadic lulls in liquidity and constant price gaps.

The spot FOREX market offers constant liquidity and market depth much more consistently than Futures.

With IMM futures one is limited in the currency pairs he can trade. Most currency futures are traded only versus the USD.

With spot FOREX, you may trade foreign currencies vs. USD or vs. each other on a 'cross' basis, for example: EUR/JPY, GBP/JPY, CHF/JPY, EUR/GBP and AUD/NZD

More and more well informed investor and entrepreneurs are diversifying their traditional investments like stocks, bonds & commodities with foreign currency because of the following reasons: (will be continued)

RISK WARNING:

Risks of currency trading: Margined currency trading is an extremely risky form of investment and is only suitable for individuals and institutions capable of handling the potential losses it entails. An account with an broker allows you to trade foreign currencies on a highly leveraged basis (up to about 400 times your account equity). The funds in an account that is trading at maximum leverage may be completely lost if the position(s) held in the account experiences even a one percent swing in value, given the possibility of losing one's entire investment. Speculation in the foreign exchange market should only be conducted with risk capital funds that, if lost, will not significantly affect the investors financial well-being."