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Negative credit can be damaging to your financial standing, in that it gives you an adverse influence; it can also, at times, be a hindrace for you if you buy on credit or get a loan. A bad credit rating also results in a high fee being levied, thus extending the overall debt.
In such cases, people generally resort to credit repair services, and generally end up paying high charges to settle bad credit. There are different ways to balance bad credit; and they happen to be easy as well as free.

To start with, determine the exact cause of your bad credit. It is not desirable to repair bad credit until you’re fully knowledgeable of the reason you got into it. A few likely causes for this problem could be a delayed payment of a loan; maybe some unforeseen events such as medical bills, job difficulties, etc.

Once you’ve determined the root cause to your problem, work your way towards the core and focus on a fix that’s practical and efficient. Get an idea of your current financial status by examining your recent credit reports. Make sure you’re keeping track of existing credits and financial dealings. Use the current statements from your creditors and yearly credit reports to assess your financial position.

To actually fix your bad credit and get your financial status back in a sound standing, you need to start regulating your expenses and plan your lifestyle. Don’t delay paying your bills. If you can, pay them as soon as they arrive. This will avoid held up payment charges, if in case an sudden situation comes up and hinders you from paying your bills on time. Level down your credit card usage as much as you can. To some, this might feel laughable, but if you look back, you’ll understand that the ancient people lived a better life than we do right now, and they did not utilize credit cards. Stability in bill payments is the vital point here. Gradually pay up all your credit bills and you’ll finally repair your financial status.

People often propose that you discuss with your creditors. If you pull the right strings and bargain wisely, you could get discounts, instead of overcharges. Be confident and precautious. While talking to your creditors is not a surefire way of repairing bad credit, it surely can be efficient.

Prevention is the best method. Instead of having to experience bad credit, why not prevent it in the first place? Pay your bills on time, do not delay credit payments, and don’t use your credit card for each and every payment. However, if you do fall into a bad credit situation, then abide by the tips above. Bad credit can at times hurt your social profile and prevent access to loans on favorable terms, mortgages, etc.

You are told that online currency trading is one of the easiest ways to earn fast money. But let us tell you that’s not the whole story. Dealing with foreign currencies is not that simple a task as it looks. Before you take up this option, it is important to assess whether forex trading suits you or not. The results of this initial assessment will take you a long way. You can avail forex education from various web sources to have a solid understanding of the dealings. Interacting with the leaders in the field can also help you gain an insight.

The web is filled with news feeds and free charts that provide knowledge on forex trading. So, you can get into online currency trading when you have gathered enough info on the same. Like the risks, this trade offers umpteen advantages as well. First and foremost it offers the flexibility of working anytime and from anywhere. You just need to have high-speed internet connectivity to get started. If you can manage to get some initial contacts to start trading, it would be great. Such job can be taken along with your full time job as well to compound your earning.

It is important to accept online currency trading in all its seriousness. Some people feel that it’s a game of chance and needs no effort. Be aware that this is a myth. In forex trading you reap what you sow. As a trader, it is your duty to keep yourself updated about the latest trends and the curve of market swings. This will take you forward when the time comes, as valuable information helps where experience fails. So, with the secrets of forex being unveiled, you can now take the reins in your hand the rule in the race of forex trading.

What the heck am I talking about?

It is often said that to grow mentally, spiritually, emotionally and personally that you have to stretch and move out of your comfort zone. I definitely believe in this concept, however… When it comes to day trading, swing trading or position trading stocks, futures, options or forex, going outside your comfort zone can be dangerous!

Let me explain… Say, a trader is used to buying 100 shares of a stock at a time with the average value of $50/share. He/she is very comfortable with putting this amount at risk. They never experience any anxiety and can sleep well at night at this level. However, watch what happens when these traders decide to up their ante to 200 - 300 shares.

All of a sudden they are worried about every tick against them and start riding an emotional roller coaster based on the current price of the stock. At these levels they become much more emotional and their judgment becomes cloudy at times. Now they start making bad decisions that never occurred at the 100 share level.

A good idea is for you to take a good hard think about “what size trader” you are and where you are completely comfortable at. Write these numbers down and force yourself to never deviate from them. When the time does come to raise your bet size up, do it in increments over time. For example: If you want to go from 100 -200 shares, do 120 on week number 1, 140 on week number 2 etc.

I assure you, that by sticking to the concepts in this article that you will make trading a much more comfortable and profitable experience. Be patient and stay focused and the money may roll in at levels you never thought possible!

This article by Dr. Jeffrey Wilde, a trading veteran with 15 years of experience in all major markets. He is a trading coach to over 1400 traders in 38 countries.

For additional info: http://www.win-at-trading.com

You should be aware of the main risks associated with investing in listed equity securities.

Some of these risks are:

Overall market risk: This is the risk of loss by reasons of movements in a market sector. These can be caused by any number of factors including political, economic, taxation or legislative. Specific examples include changes in interest rates, political changes, changes in superannuation laws, internal crises or natural disasters. Market risk can be minimised by having a spread of investments across different types of assets.

Global risk: This is the vulnerability of an investment to international events or market factors. This would include movements in exchange rates, changes in trade or tariff policies and changes in international or bond markets.

Sector risk: The risks associated with an industry’s specific products or services such as, demand for the product or service; commodity prices; the economic and industry cycles; changes in consumption patterns; lifestyle and technology changes. This may be minimised by detailed research to identify quality investments, reviewing their performance and their place in a portfolio.

Equity specific asset risk: Risks associated with the specific investment, for example, quality of the company’s directors; the strength of management and key personnel; profitability and asset base; debt level and fixed-cost structure; litigation; competition levels; liquidity of the investment.

Timing Risk: The possibility that you enter the market at a bad time - for example, just before a fall in the share market. This can be minimised by not investing all of your funds into the market at one time.

Speculative Risk: If an investment is described as speculative you should be aware that the investment could rise significantly but also fall by the same degree. You should not invest in speculative investments unless you understand and accept the risks fully and are prepared to accept any resultant loss.

Trading in the stock market may involve more risk. Trading is the same as operating a small business. To survive, you must manage all aspects of your business in a manner that ensures your long term sustainability. Risk management is the most important aspect of trading and is often neglected by many traders. This may account for the high failure rate of traders.

Risk management involves setting rules and guidelines that keep your risk at a level that you are comfortable with. Risk in a trading sense refers to the possibility of losing money in the market place (market exposure). The main variables that affect this liability are listed below:

* Trade position size

* Stop loss size

* Market tracking abilities

* Volatility of shares

If we are able to control these variables then we can control risk. This should always be one of your principal considerations when developing any trading system.

Jon Lynch is Marketing Manager of the Capital Intelligence Group of companies, including HomeTrader - Australia’s leading stock market education centres. We focus on teaching you how to create wealth through the share/stock market using a customised trading plan or system that is right for you, your situation and your goals. Visit our website and register for your free introductory DVD “Learn To Make Money On The Stock Market” at http://www.learnshares.com.au

PROFILE OF LATINO MILLIONAIRES

Most Latino/Hispanic millionaires got there in a predictable fashion - they worked hard, took risks and controlled personal spending. Few reach, and maintain, wealth by winning the lottery or by being a sports or media star.

Those people, achieving quick and easy success, to which wealth has come without sustained effort, frequently have much different views from the “typical” millionaire profiled below. The traditional millionaire shares these beliefs:

GENERAL ATTITUDES

Have a tremendous need for power, control and approval.

Do not feel rich nor flaunt their wealth.

They are frugal bargain hunters.

Defer gratification today to create a better tomorrow.

Have a natural “nose” for opportunity.

Are good at getting and processing information.

Independent thinkers who believe in their own decision-making abilities.

Politically conservative in most matters, although liberal toward specific causes.

Takes a serious outlook toward family responsibilities.

ATTITUDES TOWARD MONEY

Highly money motivated and prefers money to material items.

They believe that money can indeed buy happiness, love, acceptance, security, etc.

Hate paying taxes: income, property and estate tax.

Favor direct ownership of assets they can control, such as their own business or real estate.

Aggressive growth-oriented investors and are very interested in increasing their wealth.

They are willing to take controlled risks, especially with some personal involvement.

Only small minority favor defensive investments.

Seek to minimize their personal financial exposure in business and investment deals.

Like to use “Other People’s Money” to enhance their own wealth.

Tend to prefer large philanthropic gestures with a desire to have some control over the application of the funds.

TOP PRIORITIES

Personal business or career success.

Financial security for their families.

Maximizing returns from their careers and their investments.

Providing an excellent education for their children.

Appreciate personal publicity of a favorable nature.

THEIR BIGGEST FEARS

Their children ending up as failures.

The IRS, taxes and tax return audits.

Losing all of their money and power (particularly strong among people who grew up in poverty).

Loss of assets as result of an “unwarranted” lawsuit or government confiscation.

THEY WANT A FINANCIAL ADVISOR TO HELP THEM

Plan for their retirement - with the style and financial comfort to which they have become accustomed.

Fight the erosion of inflation on their income and its purchasing power.

Select the most appropriate investments.

Minimize their taxes - income and estate.

Define and prioritize their financial goals.

Increase their net worth (to offset inflation).

Make gifts without jeopardizing their other goals.

Avoid mistakes.

WHAT THEY WANT MOST IN A FINANCIAL ADVISOR

A knowledgeable, trusted expert who understands and can empathize with their goals and who diligently helps them to get what they want.
insertfile

Ruben Ruiz, MSFS, CLU, ChFC, CSA, RFC, is president
and CEO of Money Concepts Financial Planning Centres in San Marcos and San Antonio, Texas. Ruben is a nationally recognized financial advisor and CEO of The Ruiz Financial Group, LLC. He was recently elected to the International Association of Registered Financial Consultants Board of Directors. Ruben’s firms have a long tradition of helping clients build, manage, and protect their wealth through financial planning and investment advisory services, with an emphasis on wealth and retirement planning
Ruben earned his Master of Science in Financial Services (MSFS) degree from the Richard D. Irwin Graduate School of The American College, Bryn Mawr, Pennsylvania.
Ruben holds a bachelor of business administration (BBA) degree from Southwest Texas State University (Texas State University) and has earned the professional designations of chartered life underwriter (CLU) and chartered financial consultant (ChFC).
Ruben is the author of the new book, The One Hour Hispanic Millionaire, http://www.onehourhispanicmillionaire.com.

Mutual funds were moderately successful in creating a presence in the stock market until the advent of the investment retirement account and in particular the 401(k). Corporate insiders persuaded the federal government to allow for the 401(k) in lieu of offering employees the traditional pension. When this happened the employees lost the protection of a specialized financial manager who could manage both the return and the risk of the retirement money of the worker.

This forced employees who are supposed to specialize in their work area into the field financial management with no training whatsoever. The 401(k) effectively FORCES individuals into mutual funds that as I just mentioned were notorious at the turn of the last century for defrauding the public of its savings. Ironically, these same executives had at the time, and still have, their company department of corporate attorneys. These secret departments do nothing but invent new ways for corporate insiders to suck more money out of the firm in the form of perquisites, stock options, and golden parachutes. This is the “new” form of executive stewardship over the shareholder value and employee retirement!

Why is this so tough on the employee? The 401(k) plans do not offer individual stocks only mutual funds. What a scam! Corporate executives have effectively forced you to place your retirement dollars with their cronies in the securities industry who manage these investment pools. If you could talk to someone in the 1920’s about this they would be shocked. Someone from back when these investment pools were actively fleecing the public would see this as a criminal act perpetrated by the US federal government, inside corporate executives, and mutual fund managers.

Does that mean the 401(k) is a bad deal? That depends. If your employer matches a percentage of your wages it may be a fair deal but you should only contribute only up to the matching limit. After contributing the maximum matching amount to your 401(k) then put the rest in a Roth IRA. If your 401(k) provider offers an indexed mutual fund then put your money into that. An indexed mutual fund uses a stock market index such as the S&P500 to guide which stocks are bought. The biggest and oldest indexed mutual fund is the Vanguard 500 (VFINX).

A computer divvies up the cash in the fund to match the index as closely as a possible. As such, there is not fund manager to sitting on your hard earned retirement savings to rip you off in bogus fees.

ABOUT THE AUTHOR: Dr. Scott Brown, Ph.D., the Wallet Doctor, is a successful investor. Dr. Brown holds a Ph.D. in finance. The Wallet Doctor is sought after for investment advice and coaching. For more information visit Dr. Brown’s site at http://www.BonanzaBase.com or sign up for his investment tips at http://www.WalletDoctor.com

Like other strategies, the collar can be leaned toward the
investor’s perception of the stock’s direction and strength.

Let’s look at the potential leans that can be taken. Say that
you have a very strong feeling the XYZ is going to go up.
Instead of buying a put and selling a call with strikes that are
roughly equidistant from the stock price, you would sell a call
that is further out-of-the-money.

This would allow more room for a larger increase in stock price
because the stock would not be called away as early. You retain
ownership for a longer period of time during the increasing
price period.

Of course, by increasing the distance of the option’s strike
away from the stock, the amount of the call’s premium will
decrease. The overall effect is that you’ll have to pay more to
own the position. (You will pay out more money for the put than
you will receive from the call.)

Again, we’ll start with the same prices as in our original case,
(stock $28.00, Dec. 27.5 put $1.00 and Dec. 30 call $1.00) only
now we will change the Dec. 30 call at $1.00 to the Dec. 32.5
call at $ .35.

In our other examples, we incurred no debit or credit from our
option position. This time, with the bullish lean, a debit is
incurred. The purchase of the Dec. 27.5 put for $1.00 combined
with the receipt of $ .35 from the sale of the Dec. 32.5 call
produces a $ .65 debit.

Remember, this debit must be subtracted from the bottom line
profit or added to the bottom line loss of the stock’s capital
result. This means that before you make any money from the
position, the stock must trade up $ .65.

If the stock stays stagnant you will lose $ .65, and any capital
loss you incur will be $ .65 worse. Now back to the position in
our previous example. With the selling of the Dec. 30 call, we
had an upside potential of $1.50. In this example things change.

As was stated, our maximum upside potential is calculated by
setting the stock price at the strike price of the short call
which is 32.5 in this case. With the stock at $32.50 at
expiration, you would have a $4.00 stock gain since the stock
was purchased for $28.50.

Remembering your $ .65 debit to enter the position, we subtract
that from the $4.00 and we have a total maximum profit of $3.35.
This is significantly more potential reward than our original
example using the Dec. 30 call.

As in all trading situations that offer a higher potential
reward, there comes a higher potential risk. If the stock stays
at $28.50, (the stagnant scenario) you have a loss of $.65 in
option costs. In the down “scenario,” calculating the maximum
risk is done by setting the stock price at $27.50 on expiration.

The stock, purchased at $28.50 has lost $1.00. The options, not
neutral, resulted in a $.65 loss. The total loss is $1.65. In
both the “stagnant” and “down” scenarios, the loss increased
over that in our original example. As you can see, the higher
potential gain is accompanied by an increased potential risk.

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When most people hear the word options, they put their hands on their wallets, and when they feel reassured that its still there, will turn and run. Despite the rumors heard by the general public, trading options can actually be a relatively safe prospect, and profitable too. The fact that most traders are afraid to delve into this arena of trading can provide you with a good niche to make profits. That niche is LEAPS.

Before we talk about what a LEAP is, you first must know how an option works. What is an option? Well when you buy an option it gives you the right (the option) to buy or sell something at a certain price by a certain date in the future. Huh? You say? It’s simple. Say your uncle has a corvette to sell, and you don’t have any cash. You have a buddy from high school who has talked about that corvette all the years you were growing up, and you know he would want to buy it. So you tell your uncle you’ll buy the car and put a deposit down to buy it for 20 grand before two weeks are up. Now don’t let that big number scare you. You don’t have the 20K but it doesn’t matter. That’s the beauty of this. You tell him you’ll give him $1,000 deposit to purchase the car within the two weeks. If you can’t get the money together in two weeks, then he keeps the $1,000. But, you say, I don’t want to lose the $1000 so give me a receipt for this deposit and make it transferable. What this means is that whoever holds the receipt has the right (option) to buy (call) the car for 20 grand (strike price) before the two weeks is over. Now you go to your buddy and tell him you’ll sell the receipt to him for $1500 dollars (ask). He says forget it, I’ll pay you $500(bid) for the receipt.

You, of course will lose money on the deal, so you say you’ll think about it and see if you can sell it to someone else to at least get a your money back. You know if you don’t sell it in two weeks (expiration) you’ll be out of the 1K completely. Now, for the sake of argument , say, that a week later a container ship that just happens to hold thousands of collectable corvettes sinks on it’s way to a car show in Japan. The price of collectable corvettes suddenly jumps and your friend calls you up and offers $2000 for the receipt(bid) You’ve heard about the disaster too, so you say, no make it $2500(ask). Deal. You’ve just made $1500 profit on a $1000 investment. Pretty good. That’s how options work. The price of the underlying instrument varies (the car), and so does the option (the receipt). So what’s a LEAP? It’s merely the same thing as an option, but with an expiration of a year or two in the future.

It’s true that most options are traded by the pros, who extract their profits by posting a wide spread between the bid and ask price, as well they should. After all they are the one’s providing liquidity to the market. So, that being said, options aren’t something you want to flip a lot, merely because that’s where the brokers make their profit, and where the buying public loses in the long run. If the underlying instrument doesn’t move much at all in the time period before expiration, then you’ve lost your dough. This is true for the majority of options (most of them expire worthless). Now, there are many many programs and options hucksters that evaluate options for their implied volatility vs. historical volatility, put /call ratios, squeeze plays, blah blah blah, all playing on the fact that there may be a sharp rise or fall in the price of the underlying instrument in the short term, and thus making a profit. But that’s risky and takes some serious number crunching programs. We won’t be looking at that.

So how does a LEAP fit in? The fact that it has a long expiration does make it more expensive that a shorter term option, but it’s still cheaper than the stock you would buy. Say for example a stock called ABC is selling for $65. The option to buy (call) the stock at $70(strike) which expires in one month will cost, say $230. That gives you the right to buy 100 shares of ABC at $70 bucks within the next month. If, in the next month the price of the stock jumps to $75, well, you’ve just made $5 a share, or $500, well over 100% profit. Now the same strike price for a year in the future will cost about $1100(these are actual prices of a stock I’m looking at). Ok, way more expensive. Why would you want to do that? Here’s why.

It’s a known fact that most options expire worthless. So, a smart trader, (like you, since your reading this instead of watching TV) would think, hmmmmm, maybe I should sell these options and make money that way. Yes, you can do that. (It’s called writing options by the way) But it’s extremely risky. Say you don’t own the stock and you sell a $6 call option (each call gets you the option to buy 100 shares) for a little known biotech firm that sells for $5. It hasn’t moved for months and you’re sure it won’t in the future. Your buyer pays $.5 for it and you get $50(.5 x 100 shares, the standard lot size). Not a lot, but hey, it’s money. The thing is, though, you have to cover that call until expiration.

So if the FDA announces that it jut signed a contract with this little company to produce a vaccine and the price jumps to $50 a share before expiration, you have to cover the difference ($4,400). If the announcement happened the day after expiration, you keep your $50. Why in the world would you want to do that, you ask yourself? You wouldn’t. The safer way to do it is to buy the stock at $5 a share, and simultaneously sell your $6 call option for $50. You just paid $450 for your 100 shares while the rest of the schmucks out there just paid $500. You saved %10. And now when the FDA makes the announcement your not worried because you can sell the stock to cover the call option you sold and still keep your $50 premium, no sweat. Cool huh?

The problem here is most reliable stocks don’t sell that cheap. So you’ll have to fork out 5 large to buy 100 shares of a $50 stock, only to make a few hundred when you sell the call (by the way, this is covered call: when you don’t own the underlying equity, it’s called a uncovered, or naked, call). A better way is to use a LEAP. Here’s how.

You buy your LEAP with a strike of $55 for $1100. Way cheaper than the 5 grand you would pay for the stock. It expires in 1 year. The stock trades right now for $50. Now you can sell your one month $65 call and still be covered. (Technically speaking this is called a calendar debit spread). If the price of the stock goes up, you have your leap option to back you up, and you still have the premium from the option you sold. Now, here’s where it gets real fun. A month later, the stock hasn’t moved much, and the original call you sold expires. You keep the premium. Now you sell ANOTHER 1 month call option. Sweet. Over and over. That’s how you make money with this stuff.

Ok, to back up a minute, imagine you can buy an option to SELL a certain stock at a certain price at sometime in the future. Say if a stock trades at $40, and you buy an option to SELL the stock at $35 before the month is out, and the thing tanks to $30 before then, that means you have the right to SELL it at $35, regardless of what the current price is. You’ve just pocketed a grand. sweet. That’s called a PUT. You buy a PUT just like you buy a CALL. LEAPS can be bought in a PUT form too. Now you’ve got the power to harness money making machine, because you can make money when the stocks go up, when they go down, and when they don’t move at all. What other way can you make money in the markets in all these situations? None. You heard it here first.

Paul Nickel is a active trader and avid poker player, and you can gain more knowledge of each of these areas at http://www.lowrisktrading.info and http://www.poker-cash.info