With This Stress Eliminated, Trucking Companies Can Focus On Growth

Category: Finance.

Transportation is a very cash- flow- intensive business.

Small and medium size trucking companies find it difficult to manage the ever- increasing fuel bills, and breakdown, driver payments/ repairs, tire purchases and, lease rentals salaries. The operational costs of running this business are huge. However, most trucking companies are profitable, very few new and medium trucking companies can afford the waiting period of 30 to 60 days to get paid. Both freight brokers and carriers face the problem of balancing slow paying customers and managing day to day expenses. Unless the trucking company is cash rich with deep pockets, this is an abnormally long waiting period which can affect the smooth functioning of its operations. It is quiet common for trucking companies to get paid in 30 to 60 days.

Traditional businesses can ask for quick payments from their clients. Although older trucking companies have enough reserves, it s the new, smaller and growing companies who find this a challenging to manage. However, this does not work with trucking companies, as clients of trucking companies have an upper hand and negotiate for a longer credit period. Fortunately there is a tool trucking companies can use to get out of this rut and benefit from a steady cash flow. Availing a business loan is the only option left for the trucking company. This tool is called Freight Bill Factoring. Once the trucking company puts a factoring agreement in place, it stabilizes the company s cash flow and enables the trucking company to concentrate all its energies on running the transportation business.

Freight bill factoring enables the trucking company to realize their freight bills within a day or two of invoicing thus eliminating the 30 to 60 day waiting period. With this stress eliminated, trucking companies can focus on growth. Factoring is advantageous when compared to conventional financing. Freight bill factoring enables the trucking company to realize as much as 90 to 97 percent of the freight bill from the factoring company, the balance 10% is paid to the trucking company once the factoring company collects the full amount from the clients. Factoring is very easy if you meet certain conditions. Factoring can be set up in a matter of days.

The first requirement is that trucking companies deal with credit worthy and reputable clients. In fact some factoring companies promise to set up factoring lines in as little as two working days. If your sales increase, so does your finance. Freight factoring is very flexible and is directly related to your sales. Factoring costs vary from company to company and are based on certain parameters. Factoring companies also insist on the trucking company being free of tax issues.

Usually factoring companies charge 5% to 3% per month, depending on the volume and the duration. Factoring companies encourage trucking companies to deal with reputable freight brokers and customers. Factoring companies do not hesitate to work with new trucking companies if they qualify. These are the two main conditions that trucking companies have to meet before accessing finance. New trucking companies can get a factoring line within a few days of approaching a factoring company.

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Lets Take A Quick Look At Our Online Forex Trading Process - Ava Panzer about Finance:

Advanced Currency Markets( ACM) is an online currency trading company that offers currency trading services, relevant analysis and market information, a 24, forex software- hour help desk and online forex trading facility to its clients.

Like Many Other Things About Buying A New Home, The Rules Surrounding Private Mortgage Insurance Can Be Confusing - Finance Articles:

When you only have the money to pay less than 20 percent down payment of your mortgage, chances are you will need a private mortgage insurance to help you secure a loan. Critical illness cover is another type of insurance policy that can be added on to either of the above mortgage life insurance polices and provides an extra element of protection and peace of mind.

No Legitimate Debt Consolidation Loan Will Ever Be Guaranteed

Category: Finance.

Asking for help with your debt is hard enough, it shouldn t be made any more difficult by dealing with a consolidation company less pleasant than the actual creditors themselves.

Quick fix debt consolidation services are often synonymous for bankruptcy and rarely actually offer credit card debt relief. When seeking financial help many underestimate the importance of shopping around and finding the right company for you. Caution should also be taken with any company claiming to offer free debt consolidation, as we all know, there is no such thing as a free lunch. Though there are many legitimate lenders out there, unsecured debt consolidation loans or debt consolidation services that promise to erase pr eradicate bad credit records for a small fee, can actually be a warning sign for fraud. Many of these companies target people with ads claiming to offer unsecured debt consolidation but fail to mention that consumers will have to pay inflated fees and expensive interest rates for unnecessary services. Anyone claiming that debt can be cleared within 24 hours may have tricks up their sleeves you don t want to be a part of. No legitimate debt consolidation loan will ever be guaranteed.

Be suspicious of anyone asking for an" advance fee" to guarantee loan approval. However it is important not confuse advance fees with application fees. Finally, don t waste money on debt consolidation seminars where people often sell" kits" containing items, which look like checks but are in reality, completely worthless regardless of how much you make it out for. And naturally, walk away from anyone offering bad credit debt consolidation through creating a new identity( i. e. anyone suggesting a new social security card is not working in your corner) . Another word to the wise, whether seeking student loan debt consolidation or just looking for a debt consolidation quote, check to see if there are any debt consolidation laws specific to your state. Keep in mind you have the option of securing a mortgage loan or home equity line of credit but these come at a higher risk to the borrower as these loans require your home as collateral. For example Florida debt consolidation may offer different exemptions then those allowed in California and should be brought to the attention of your debt consolidation counselor.

Always keep in mind that credit card debt consolidation is here to take the stress away, keep debt companies off you back, and help to rebuild your credit. So don t just settle for the first company that comes along with a free debt consolidation loan that seems too good to be true. They should work with you on both your payment and time schedule and offer customized debt consolidation help, tailored just to your situation. The right debt consolidation company should be willing to partner up with you and answer any questions you may have while disclosing all fees up front. May you have the best of luck in your search for the best debt consolidation company for you as you work through a trying phase of life.

In Short, Everyone Wins, " He Says

Category: Finance.

"Dual season residency is skyrocketing, with people choosing to go north from the spring to the fall and spend other half of the year in the south, " says Leon Meekcoms, President of Parkbridge Capital Group, Inc. (www. parkbridgecapital. com) , a privately held real estate investment, and brokerage firm, acquisition. According to Meekcoms, whose career in real estate sales, and development has, acquisition spanned more than 25 years, the most notable recreational trend among the Boomer demographic are those who termed" splitters, " or people who have two residences.

In addition, close to a half million people live and travel full- time in their RVs, with millions more dividing their time between RV travel and a home base, often in a manufactured home community or RV resort. A few months ago, the Social Security Administration sent out the first of the Baby Boomer checks. Everyone from financial advisors to real estate investors are keeping a sharp eye out for trend changes. "Baby Boomers have more accumulated wealth than any previous generation, and they re positioned downstream from a river of assets that they will inherit from their parents, " says Meekcoms. "Their financial position and increased longevity are translating into decisive new trends in the housing industry. " The sheer numbers that make up this generation- over 78 million according to the U. Census Bureau- have made Boomers de facto trendsetters. They have a reasonable expectation of living a quarter of century and longer in retirement or semi- retirement, and don t want to outlive their money. "While Boomers are affluent, they are smart about how they re going to invest and spend, and will plan for the future, " says Meekcoms. In contrast to traditional" snowbirds, " this generation tends to be more active and, is quite cost, like their predecessors- conscious. This is one reason why Parkbridge Capital Group, Inc. has focused on acquiring a portfolio of manufactured home communities and recreational vehicle resorts. "People want the benefits associated with a mobile lifestyle without the high overhead.

In short, everyone wins, " he says. In buying and upgrading these properties to maximize investor return, we also provide tenants with a splendid environment. Parkbridge Capital is a prime example of a company that has positioned itself to take advantage of the Baby Boomer wave. In the meantime, the company s properties also appeal to the growing number of Americans who want to vacation closer to home or stay in the U. There aren t a massive number of larger, quality manufactured home communities and RV resorts, so the market forces of supply and demand are almost certain to force prices up in coming years. S. "Because of gas prices, people are beginning to shy away from long trips, and prefer the amenities of resorts that are within driving distance of their homes, or locales where they can stay and recreate for the season, " says Meekcoms. We want to enjoy a flexible lifestyle at a cost that isn t extravagant, " he says. "The types of properties that our company acquires and owns with our partners are a perfect fit for mobile, cost- conscious Boomers who want the best of all worlds. "

As a Baby Boomer himself, he has an inside track on this trendsetting generation. "On the whole, we have more time, and better long, more money- term health prospects than previous generations.

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Credit Score Improvements - Finance Blog:

This is a question many homeowners may have when they are considering re- financing their home.

The Risk Factors In FOREX Trading Are Significant - Finance Articles:

The fact that foreign exchange trading can be very profitable makes it exciting, but there is one important aspect that shouldn t be overlooked.

How Do We Buy Annuity Payments - Frances Torgrimson about Finance:

Get Lump Sum Cash for Annuity Payments.

Try To Shop Around And Choose A Block In A Good Area

Category: Finance.

Cyprus is the third largest island in the Mediterranean, and for thousands of years a trading centre due to its location within Europe connecting Africa and Asia. Location: In any particular area there are many blocks of flats under construction( this is less true for the Paphos residential areas) .

A leading holiday destination, due to its excellent climate with very warm, dry summers and mild winters with a wide variety of natural beauty, rich culture, famous historical sights, and above all, friendly and welcoming inhabitants, which combine to offer a safe environment for residence and investments. Try to shop around and choose a block in a good area. In case you require air condition ing/ central heating, we suggest that the advice of a qualified electrical and mechanical engineer be sought. Of course what is a 11 good" area is relative and depends on various factors including personal judgement and taste. it is widely accepted, that a 11, however good" area is one which is relatively central, not densely developed with flats, more of a residential area, relatively quiet( not on main roads) and which is close to schools and shops. Fees for this consultant are around 4% for the design and 2% for supervision( on the cost of the works) .Insist on all drawings being ready before inviting tenders. In this case, your architect must consult with the Appropriate Authority to see whether there are any major objections to the drawings.

It is recommended that a building permit be secured first before works commence, although works such as excavations etc may begin prior to the issue of the building permit. As an indication, one should have in mind that the average construction cost for a house is between C160 to C200 per square metre and the purchase cost of building sites offered for this purpose could range from C1 to C2 per square foot in resort areas, whereas in the towns this can reach C5 per sq. f t. On a sale of a property the current policy is to allow immediate repatriation of a sum equivalent to the amount of the original purchase value of property. Credit terms on villa/ building site/ land/ cottage acquisitions are normally made and the generally acceptable payment terms are 50% on signing and the rest over a period of 1- 2 years( at 9% interest on the reducing balance) . Any profit can be exported at the rate of CY 10, 000 per calendar year, plus any interest. Otherwise CGT is levied at 20% on gains in excess of CY 5, 00 There is no Capital Gains Tax where the property was acquired by the importation of foreign currency.

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Courses Range From Financial Certificates To PhD Degrees In Finance - Finance Blog:

In every college and university all over the world there are specific degree plans and departments that cater to financial education.

This Eventually Leads To Business Credit Cards - Finance:

But then, what about those people whose credit records have suffered a few incapacitating knocks, leaving them in the bad debt category?

Should You Need To Take Out A Loan In The Future You Should Find It A Lot Easier - Finance Articles:

If you are unlucky enough to have a bad credit history then buying a new car may seem impossible however there are many companies that are willing to assist those that have bad credit because they do not require any credit history. Finding a decent car loan when you have bad or no credit history can be a challenge but not something that is impossible.

Marl Has Been A Boon To Serious Penny Stock Traders, Making Millions Of Dollars For Many Investors

Category: Finance.

Being a penny stock trader used to require quite a bit of time- consuming research to avoid falling victim to the numerous scams and frauds that are common to this form of investing. Several attempts have been made in the past to computerize the analysis that is needed to pick penny stocks.

Recent technology has made penny stock investing much simpler and even a novice now has access to a resource that can dramatically enhance one s success in this investment market. Unfortunately, these attempts have been mostly unsuccessful, probably because the programmers attempting to produce this technology were themselved novices when it came to penny stock trading. The time- consuming nature of penny stock investing has largely left out those who are part- time investors. The lack of analysis tools has meant that penny stock traders have been forced to continue the slow process of evaluation before making their investments. But along has come" Marl" , which is the penny stock picking brainchild of two computer programmers who happened to have expertise in stock trading. Marl has been a boon to serious penny stock traders, making millions of dollars for many investors.

Marl allows for fast analysis of hundreds of stocks and has a remarkably good track record of predicting which stocks are primed for a major jump in value. Marl makes penny stock investing much safer and more lucrative for advanced and novice penny stock traders alike. But even small investors can get the benefits of Marl s technology. The problem is, it costs$ 28, 000 to buy a license for the Marl program and this is obviously out of the reach of small investors. The Marl programmers put out a newsletter that reveals Marl s very best penny stock pick for the week. In fact, for really small investors, getting just one top pick per week might even be better initially than owning a copy of Marl, because it makes the investing decisions much simpler than having to decide how much to invest in multiple top picks.

The newsletter subscription price is well within the budget of small investors and it allows them to still invest in penny stocks easily and without spending tremendous amounts of time doing research. The newsletter may be closed to new subscibers in the not too distant future, but for those who have been able to subscribe, it has given new and seasoned investors alike a tremendous resource in guiding their investments.

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It Can Be An Unsecured Personal Loan Or A Secured Personal Loan Depending On Your Circumstances - Finance:

Personal Loans have become an easy option to take in todays financial market place because they provide a range of choices to people.

� Business Credit Cards Provide Credibility And Legitimacy To Your Business - Finance Articles:

� Business credit cards provide credibility and legitimacy to your business.

For Example, AMS Offers A Free Credit Card Terminal With Every New Account - Flora Rote about Finance:

There are, five key elements, basically to consider in the entire credit card processing system.

Why Go Offshore

Category: Finance.

An offshore bank account is not something that everyone requires since there is a fair deal of work involved in getting an account set up in an offshore jurisdiction.

Offshore banks can provide excellent quality of service provided the correct institution and jurisdiction are selected. Between lawyer fees, bank transfer fees, immigration fees and in some cases travel costs to visit the offshore destination owning an offshore corporation can be a costly venture. Often considered to be strategically located, these banks are not required to follow all the rules that apply to normal banks. A person or a company can interact with an offshore bank. Offshore banks also offer increased privacy to the account holder, in accordance with bank secrecy, apart from various legal advantages. Companies and indivdiuals alike can reap benefits from adding offshore assets to it s financial portfolio. A lot of people can benefit from offshore banking, as it offers a good start in the form of greater flexibility, and increased privacy.

Beneficiaries of Offshore Banking. People looking to save on taxes on their salaries and other income sources can benefit from offshore banking as well. To own or lease equipment in the foreign country, maintain subsidiary business office( s) in the offshore location. Other uses for offshore banking include. Why go Offshore? It offers good international/ foreign investment opportunities, one can get greater access to attractive highly flexible banking opportunities, it offers help with managing the risks related to one s investment, it helps in managing a properly diversified investment portfolio, it can reduce one s tax burdens, it offers more personal privacy, it helps in conducting a business confidentially, thus proving to be secure.

One can, depending on his profession/ occupation, purpose of offshore, nationality banking, benefit from it, etc because. Their locations where taxes are nil or low( tax havens) help offshore banks to save on their own taxes, lower costs of operation, etc. , help them to provide a secure banking solution to account holders. As it can be seen, the world of offshore banking is easily accessible and available to a vast majority of the world s population, and has a far reaching set of potential benefits to almost everyone who has need of them. Besides financial and personal benefits related to personal and asset protection and privacy, offshore banks are also stable due to their nature of business.

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This Way You Can Use The Grace Period To Your Advantage - Finance Articles:

When you begin looking for the credit card that will fit you needs there are several things that you will want to look into.

If You Have Had Bad Credit In The Past, It Might Seem Hard To Get A Credit Card That Is Not More Expensive Than It Is Worth - Finance Articles:

If you have had bad credit in the past, it might seem hard to get a credit card that is not more expensive than it is worth.

FOREX Trading Conditions Can Be Influenced By Real- Time Events - Finance Articles:

The FOREX market is a cash market where foreign currencies are traded via brokers.

But How Does One Go About Finding A Company To Finance Car Loans For You

Category: Finance.

When it comes to getting finance in order to purchase either a new or a used car there are a number of different loan options available to you today. But how does one go about finding a company to finance car loans for you?

Because of the fierce competition between the loan companies, you may well find that you are able to get some good deals where the terms are favorable. In this article we will provide you with some different things that you to take into consideration in order for you to find not only a company, which will finance your car loan, but will also offer you favorable terms. Simply because you will be able to quickly and easily compare what each company is offering. The best place to start your search would be online. If you take the factors we mention below into consideration you will find that locating and getting a loan with terms that are favorable to you will be much easier. An easy check is to contact any of the associations that they should be members of or the Better Business Bureau.

Factor 1- Ensure that they company you are using is reputable and has a very solid financial background. Factor 2- Avoid those companies which have a relatively short history of providing car loans as in many cases you will find that the terms are not as favorable as those that are well established and well known. Also look for a company that will carry an inspection of the vehicle prior to completion of the purchase. Factor 3- Look for a loan company that can offer you a variety of different plans for you to be able to finance the purchase of your vehicle. Factor 4- The usual term of a loan for a car purchase is between 3 and 5 years but there are some companies which may offer you the chance to extend this term. Also you need to ask if there are any penalties you would incur should you choose to pay back the loan prior to the date that the loan terminates on.

However, it is better if you keep the term of the loan as short as possible as this will then mean you will have far less interest payments to make. So when it comes to finding a company to finance car loans for you or a member of your family you should keep the factors we have mentioned above in mind at all times. Doing this and you will be ensuring that not only are you getting a loan that comes with favorable terms but one that will ensure you get the car of your dreams.

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Business Credit Cards With Various Reward Options Are Very Popular - Finance Articles:

Realizing the huge potential of the small business market, more and more credit card issuers have come up with business credit card packages specifically designed to meet the needs of business owners.

Business Credit Cards Undoubtedly Are Very Convenient To Use - Finance Articles:

Business credit cards undoubtedly are very convenient to use. In spite of not having the cash, you can purchase what you need for the business with your business credit card.

Also Note That The ACRX Cards Will Come To Your Organization Already Pre- Activated - Finance Articles:

Charles Myrick the President of American Consultants Rx announced the re- release of the American Consultants Rx community service project where over 20 million ACRX discount prescription cards were donated throughout the country.

Debt Repayment Plans

Category: Finance.

Regardless of age many consumers are guilty of committing financial suicide.

The average American lives ten percent beyond their means. For some people juggling bills and robbing Peter to pay Paul is a vicious and endless cycle. For the individual who lives beyond their means, managing finances with the aid of debt consolidation may be the only solution. The truth of the matter a personal loan such as a consolidating loan depends on the lending institutions terms, penalties and interest, policies rate. Over the decades, there has been overwhelming controversy regarding the efficacy of debt consolidation loans. Generally, consumers who are financially stretched have the propensity for opting for the wrong debt consolidation program. Credit Counseling.

Review the various types of debt management services to understand the different bill solutions. Credit counseling is recommended for the non- disciplined consumer. Credit counseling is excellent way to keep the indebted on track of with a growing pile of bills. Lets say that you are unable to devise a viable budget and you do not have the discipline to follow it. Not to mention, creditors are more apt to accept a reduced payment plan when the debtor enters a debt repayment plan. Certain credit counseling agencies charge nil to a nominal for managing ones debt. Credit counselors charge the indebted in one of three ways.

Through the contributions of creditors others credit counseling services are compensated for their services. For the consumer, the monthly charge can add up substantially. At the same token, some charge a fixed monthly fee. Basically, the credit counseling services requires a monthly deposit with the credit counseling service agency. Some agencies require that participants must agree to- - not using or accruing any additional credit or debt during the program. In turn, the deposits are used to make payment to creditors according to the devised schedule.

Managing personal finances with a credit counseling service achieves results between 48 months or more. The underlying advantage of a debt repayment plan is its ability to alleviate great stress and improve your credit score. Since debt consolidation involves a timely repayment schedule shop and compare credit counselors with debt consolidation services to compare which will have the shortest term. Alternatively, using a credit counseling service will not eradicate all debt. The debtor should remember to review their monthly statements to confirm that the payments are being made and received. The drawback is that a consumer may forget their other debts that are not included in the plan. Finally, just because a credit reporting agency takes over the payment of the indebted bills, it remains the consumers responsibility to confirm that creditors have maintained their promise to eliminate or reduce both interest and/ or finance charges.

Unlike credit counseling service and debt consolidation loan, debt repayment plans do not remove or erase credit history. Debt Repayment Plans. According to the legislation of the Fair Credit Reporting Act( FCRA) , any accurate information pertaining to an account may remain on the credit report for up to seven years. Any payments with special concessions, missed or tardy payments, write- offs or other may be reported by creditors. Not to mention, the creditors may continue to convey information about accounts handled via a debt repayment plan. They are authorized to even report accounts that employ any type of financial counseling.

Unlike credit counseling services and debt repayment plans, a debt consolidation loan will not tarnish a persons credit. Debt Consolidation Loans. In fact, a person can take out a loan and repay all other bills. Then the indebted is left with one concise bill. Generally, debt consolidation loans reduce the interest rate or stretch out the repayment period of the borrower s monthly payments. However, the downside may be a high interest on the going price of your debt.

The debt consolidation loan is ideal for the disciplined consumer. Nevertheless, for the person planning on a making a foremost purchase or applying for a new job, managing your finances with a debt consolidation loan, can upgrade your credit rating. For the consumer prone to living beyond their means, a debt consolidation loan is not recommended because the person may be tempted to mount more debt. To practice responsible charging, only charge what can be afforded to repay monthly. Personal Financing Strategy: To curtail credit card debt avoid charging until the balance of each bill is under wraps.

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Denial Is A Strong Incentive To Keep On Shopping - Finance:

It has been widely reported that spending in the USA is out of control! We are a society that requires everything immediately, with no real thought to how it we ll pay for it afterwards.

They Are Used In The Same Way As Other Credit Cards Are - Finance Articles:

Student/ college credit cards are credit cards specifically made for young men and women attending college.

Make A Plan- A Budget Is A Money Plan - Tommie Jolicoeur's Finance blog:

The" B" word sends a shudder down the spine of many people.

An Added Bonus Of Getting A Lower Fixed Interest Rate May Mean That You Can Pay Off The Mortgage Loan Amount In Less Time

Category: Finance.

This is very important because most mortgage lead companies will sell their leads up to five times and your customer may already be working with your competition and not feel the need to call you back. If they are not obtaining their leads through sites they own and operate on their own, than the leads are not fresh, and you need to move onto the next lead company.

If the lead company does not own and operate the sites they obtain their leads from, than keep going until you find one that does. For loan officers and mortgage brokers on the market for great mortgage leads, the quality of the lead should be a top thing when deciding which companies product to invest in. If you do decide to go with a mortgage lead company, look for the mortgage lead companies that sell their leads in" real time, " this way you will be receiving fresh leads, and you will be able to count ontheir quality. If you are a loan officer or mortgage broker on the market for mortgage leads, make sure the mortgage lead company you are considering has a good return policy. According to the Mortgage Bankers Association, the slowdown is seen in the whole industry, lenders, affecting builders, real estate agents, brokers and credit companies. Fixed Rate loan- The 2nd mortgage at a fixed rate loan is very siilar to a first mortgage where you can get a large payment and then pay up the loan in installments over a set period of time.

An added bonus of getting a lower fixed interest rate may mean that you can pay off the mortgage loan amount in less time. One of the reasons that these types of more complex loans are becoming ore common on the market is that mortgage lenders have better support and technical tools for estimating risks as well as better credit rate data presented. This is very important because most mortgage lead companies will sell their leads up to 10 times and your customer may already be working with your competition and not feel the need to call you back. If you are a loan officer or mortgage broker interested in the purchase the freshest leads, be sure you know where the lead supplier is getting their leads from in order to make sure their quality. For loan officers and mortgage brokers on the market for mortgage leads, the quality of the lead should be a top priority when deciding which companies product to invest in. Stay away from the mortgage lead companies that purchase their leads from third party vendors and than sell them to loan officers at a profit. If you are a loan officer or mortgage broker on the market for mortgage leads, make sure the mortgage lead company you are considering has a good return policy.

A lot of lead companies purchase their leads in bulk from third party companies, then turn around and sell them to loan officers at a profit.

Realisieren Sie Ihre Gewinne

Category: Finance.

Es gibt jede Menge B�cher mit dem Thema" B�rse kinderleicht" .

B�rse ist eben nicht kinderleicht, aber durchaus erlernbar. Nur zu gerne greifen Anleger zu solchen Buchtitel, nur um anschlie�end zu erkennen, dass sie nur moderne M�rchenb�cher gelesen haben. Dieser Artikel soll Ihren Blick auf einige wichtige Punkte lenken, die leider viele Anleger beim Handel an der B�rse nicht ber�cksichtigen. Einer der gr��ten Fehler, ist, den Anleger machen, dass sie ihre Gewinne nicht realisieren. Schritt: Fangen Sie an, Gewinne zu realisieren! So schauen Anleger tatenlos zu, wie ihre Aktie nicht nur wieder einen Gro�teil des Gewinns einbu�t, sondern in einigen F�llen sogar zu einem Verlierer wird. "Irgendwann wird der Kurs schon wieder steigen" , denken sie sich. Daher gilt: Fangen Sie an, Gewinne zu realisieren.

Doch diese Einstellung kann fatale Folgen haben! Und scheinen diese noch so klein. B. 3% , 5% , 8% mit( Sie werden staunen, wie schnell sich kleine Gewinne summieren) als dem gro�en Gewinner, den man mal auf dem Papier hatte, hinterher zu trauern! Nehmen Sie lieber �fters kleine Gewinne von z. Schritt: Benutzen Sie Verlust- Begrenzungsstopps! Trotzdem zeigen j�ngste Studien wiederholt, dass nur knapp die H�lfte aller Anleger davon Gebrauch machen.

Verlust- Begrenzungsstopps sind die zuverl�ssigste Absicherung f�r Trader. Merken Sie sich bitte: Sie sollten zu JEDER Zeit wissen, wann Sie Ihre Aktien wieder verkaufen. Die sehr beliebte" Kaufen und Vergessen" - Strategie( "Buy and Hold" ), funktioniert nur zu Zeiten, in denen die Wirtschaft ordentlich w�chst. Sei es mit Gewinn, oder mit einem Verlust! So kann es nach einem Kursrutsch teilweise Monate bis Jahre dauern, bis die Aktie den Kurs wieder erreicht und Sie sich dann die Frage gefallen lassen m�ssen, warum Sie mit aktien handeln, wenn Sie Monate darauf warten, das Ihr Depot wieder bei+ /- 0 steht. Eine Strategie zu befolgen ist der entscheidende Schl�ssel zum B�rsenerfolg. Schritt: Folgen Sie einer Strategie!

Ohne Strategie wissen Sie nicht, wie viel Profit genug ist( Realisieren von Gewinnen) und wann Ihre Schmerzgrenze erreicht ist( Begrenzen von Verlusten) . Ein Beispiel: Kauf der Aktie zum Freitagsschlusskurs. Eine Strategie ist nichts Anderes als eine Anzahl von klar definierten Regeln, in denen Kauf- und Verkaufspreis oder Kauf- und Verkaufszeit festgehalten sind. Profitziel: +3% (vom Kaufpreis) , Verlust- Begrenzungsstopp- 2% (vom Kaufpreis) .* Eine Strategie setzt Ihnen feste Profitziele und Stopps. Eine klar definierte Strategie hilft Ihnen zus�tzlich beim n�chsten Schritt: Das Entwickeln einer B�rse Strategie ist ein sehr komplexes Thema und wird in einem anderen Artikel von uns behandelt. Sie wissen BEVOR Sie die Aktie kaufen, wann Sie sie wieder verkaufen wollen. In diesem Artikel geht es in erster Linie um die Notwendigkeit, �berhaupt einer Strategie zu folgen.

Als aktiver Anleger sind Sie vor bestimmten Gef�hlen nicht gefeit: Angst, Gier und Panik sind nur allzu bekannte Emotionen im Alltag eines Anlegers. Schritt: Kontrollieren Sie Ihre Emotionen! Trotzdem m�ssen Sie lernen, diese in den Griff zu bekommen. Daher gilt: Seien Sie nicht zu gierig. Die Gier l�sst Sie nach Hochpunkten des Kurses schielen, obwohl Sie eigentlich genau wissen, dass diese Art des Handelns nicht �ber einen l�ngeren Zeitraum funktioniert. Realisieren Sie Ihre Gewinne!

Dabei brauchen Sie gerade diesen an der B�rse. Die Angst und die Panik vor Verlusten l�sst Sie keinen klaren Kopf mehr behalten. Ihre Entscheidungen sollten rational getroffen werden, daher haben Sie ja auch VOR dem Kauf einer Aktie Ihre Strategie definiert. Schritt: Handeln Sie selten, aber profitabel! So wissen Sie vorher, dass Sie( um bei der oben bereits genannten, einfachen Strategie zu bleiben) 2% Verlust riskieren und geraten nicht in Panik, wenn der Markt 1% gegen Sie handelt. Es ist richtig, dass Sie auf keinen Fall nur eine, zwei oder drei Aktien in Ihrem Depot haben sollten. Setzen Sie nicht alles auf eine Karte.

Sie sollten diversifizieren um Ihr Risiko zu streuen. Ein 2% Verlust Ihrer einzigen Aktie bedeutet gleichzeitig einen Wertverlust Ihres Depots um 2% ! Das ist falsch! Viele Anleger denken jedoch, dass Sie nur genug Aktien in ihrem Depot haben m�ssen, um Ihre Chancen auf einen Gewinn zu erh�hen. Quantit�t hilft Ihnen an der B�rse nicht weiter, die Qualit�t entscheidet. Gehen Sie nicht an einem Tag zehn Positionen gleichzeitig ein, sondern handeln Sie �berlegt. Handeln Sie deshalb selten, aber profitabel.

Als Faustregel gelten 5 bis 6 Aktien in einem 2000 Euro Depot als Richtwert einer guten Diversifikation. * Diversifikation und Money Management sind ein gro�es Thema an der B�rse und beinhalten nat�rlich wesentlich mehr als nur die Anzahl der Aktien. Schritt: Seien Sie offen f�r neue M�rkte! Zu beachten sind zus�tzlich Branche des Unternehmens( Halten Sie NIE nur Aktien aus einer Branche in Ihrem Depot) und die Gr��e Ihrer Positionen. Es gibt Anleger, die sich darauf festgelegt haben, nur Aktien aus dem Dow Jones zu handeln oder nur Aktien aus dem Dax oder Tech- Dax etc. Merken Sie sich: Mit Sympathie f�r bestimmte Aktien hat es noch kein Anleger zu Erfolg an der B�rse gebracht. Die Frage nach den Gr�nden beantworten Anleger meist mit" Mein Lieblingsmarkt! " - "Habe schon oft gute Erfahrungen gemacht" - "Das Unternehmen ist mir sympathisch" .

Daher gilt: Seien Sie offen f�r andere M�rkte. "Ein Chart ist ein Chart" , lautet nicht ohne Grund eine alte B�rsenweisheit und so sollte es Ihnen gleich sein, ob Sie eine Aktie aus dem DAX, Tech- Dax, oder gar aus �bersee handeln.

That' S 5 Tickets!

Category: Finance.

Pulled over recently?

Each ticket you receive from a police officer can dramatically increase your car insurance rate. Are you at a point where you can no longer afford your auto insurance? InsuranceHotline. com conducted a survey to identify the best method of getting yourself out of the police issuing you a ticket. The only way to ensure that you find which companies offer the lowest price is to do an online rate search. If the police officer doesn' t buy your plea bargain, your insurance rates could skyrocket. InsuranceHotline. com offers free rate searches for consumers.

Pulled Over- Do you beg, cry or lie when you' re pulled over by the police? This article discusses the impact tickets can have on your car insurance rates. Don' t do any of these things, and especially don' t conduct a curb side trial. And he's heard it all before. The officer has already decided you did something wrong, or he wouldn' t have pulled you over. A survey conducted by InsuranceHotline. com found the best strategy to use in talking your way out of a ticket is to humble yourself. And getting the police officer to crack a smile doesn' t hurt.

Be polite, and ask for, admit your guilt forgiveness. If you' re planning to fight the ticket in court, it's not in your interest to tip off the police officer by saying" I' ll see you in court" . If you' re offensive towards the officer, this triggers his suspicion that you might be hiding something, and you may, prolonging the encounter end up with multiple tickets. All that will do is tip him off to make sure he has his notes clear and in order. Be brief and professional. Through the" power of suggestion" you might find yourself receiving multiple tickets. A common question for the officer to ask is, "Do you know why you were pulled over? " Many drivers offer a reason saying, "Was it because I was speeding? " or" I wasn' t wearing my seatbelt. " The officer could have pulled you over to tell you your brake light was out.

Say" NO" if you' re asked this question. So let him do his job and tell you. Trust me, the officer knows why he pulled you over. Tickets, Tickets, Tickets. Beware Drivers: Say you' re pulled over for speeding, and you' re in the lanes reserved for vehicles with 2 or more passengers. Most drivers don' t realize that being ticketed for not having your driver's license with you holds as much weight as being ticketed for speeding when it comes to your insurance rates.

You' d get a ticket for speeding, and a ticket for being in this lane. If you happen to have a dirty license plate obstructing its view, that's another ticket. If you didn' t have your seat belt on, and your insurance card with you, that's 2 more tickets. That's 5 tickets! !! Did you know that you could be ticketed for each passenger not wearing their seat belt, under 16 years of age? ? A friend of mine was pulled over and issued 7 tickets at one time.

Tickets On Your Record: Tickets will affect your insurance rate for 3 long years. Ticket Timing: The date you got the ticket isn' t relevant to your insurance company. If you have a ticket, and get into, or two an accident, the combination can cause your insurance company to cancel you. This is because, if you go to court, there, and win's no ticket to count against you. The conviction date is the date you paid the court for that ticket. The relevant date is the date you are convicted.

Beware Campers: Did you know that if you are using your car to sit in at your camp site while having a drink, you could be ticketed for drinking and driving? Parking Tickets: Don' t worry. Beware Boaters: If you' re ticketed for drinking while operating your boat, a DUI will appear on your driving record and affect your car insurance rate. These do not affect your insurance rate. This shows the" lowest" to" highest" quotes from 30 insurance company rates. Look at this rate example. There are$ 1, 000's of dollars difference between insurance company rates.

Driving Record Lowest Rate Highest Rate Rate Difference. If you have a ticket, you need to, or two do a search for the lowest insurance rates through InsuranceHotline. com. 30 year old, driving a 2005 Honda, Civic. Clean Record$ 1, 563$ 3, 611$ 2, 048. 1 Ticket$ 1, 761$ 4, 007$ 2, 464. 2 Tickets$ 1, 943$ 4, 758$ 2, 815. 3 Tickets$ 3, 207$ 5, 136$ 1, 929. 4 Tickets$ 3, 938$ 6, 312$ 2, 374. 5 Tickets$ 4, 544$ 7, 016$ 2, 472. 1 Ticket& 1 Accident$ 3, 549$ 9, 934$ 6, 385. 2 Tickets& 1 Accident$ 3, 718$ 10, 419$ 6, 701. 2 Tickets$ 2 Accidents$ 4, 977$ 14, 419$ 9, 442