Is Forex Currency Trading Different to Currency Market Trading?

By Phil Jarvie

Many variations on the terms exist, including 4x trading, fx currency trading, forex currency trading, currency market trading, fx exchange and the list goes on and on. The main point is that it is all about buying and selling international currency, and the forex currency market is where the price is constantly being set in real time with each country being paired with another.

But many people do get confused by these different terms, and I guess that's because we all grew up with the Internet as being the biggest mega-trend in society in the last 10-15 years. With the Internet came the stock market's day traders dealing in shares, options and banks. All the brokerage houses had to adapt to the new World of online day trading because investors could now place their own trades - brokers were reduced to advice only.

Most people did not really notice the liberation of forex currency trading from the clutches of the banks and large corporations. The big boys had a monopoly on forex since the dawn of International trade, until the Internet also gave way to Forex currency trading by small and micro-sized currency market trading.

I find it interesting and ironic that so many people have not yet discovered forex currency trading and yet they know the stock market so well. After all, the forex currency market turns over more cash in one week when the entire USA economy struggles to do a similar amount in the entire year.

And it is not just the size of the total currency market trading that takes place that is impressive; it is more that it is so huge that it is beyond the ability of any Government to control it fully. There is no central regulation of currency market trading. Sure the USA Government can make laws for brokers and traders in the USA, but when bad laws are passed people simply trade from an International broker - often just an overseas branch of their existing USA broker.

Forex currency trading is so huge that big business and the criminal element cannot manipulate it as they often and easily do with the stock market. There are no corporate raiders or takeovers in forex, no corporate lawyers leading stock market proxy fights. Currency market trading is simply the constant process of matching one currencies value against another currency in real time.

5 billion Euros is a lot of money. Let's assume a very large player or even Government steps in to the forex currency trading market and lends support to the Euro. Unless the USA at the same time announce some poor economic data at the same time, that 5 billion Euro would have little or no effect when you consider that 2,500 billion Euros are traded on every normal day. Currency market trading is honest because it is too big to fool the free market's operation.

Given that big business and Governments are powerless to control or corrupt the forex currency trading market, what chance does the little guy or gal have? Every chance and the same chance as the large player does, simple as that. The only difference you will find is the points spread that bigger and smaller forex traders pay. I pay 0.9 pips anyway, so I am not concerned about that at all. My main concern is that currency market trading is a level playing field that cannot be rigged - and it cannot. So, that leaves the very smart 4x trading software like metatrader and forex robots we all have available, and the best of proven forex strategies we all have the ability to learn. We all have the power to work to a successful money management plan.

You are welcome to visit my growing forex only website where I go into much more detail about currency market trading, the many forex robots and expert advisors available, and also what forex strategy can do for your forex currency trading. - 23211

About the Author:

Phil Jarvie writes extensively on 4x trading related matters and is an experienced forex trader. Feel free to visit his free website for details on forex robots, expert advisers, fx trading software, 4x trading and currency market trading and forex currency trading articles.

The News on Interest Rate Only Home Loans

By Dominic K. Kimbell

When you make your monthly home loan payment, part of it goes to pay the lender its interest, and part of it is used to pay down the loan. At least most home loans work this way. Some banks have now introduced a new kind of loan to attract more customers by keeping the monthly payment as low as possible by only paying the interest.

Basically the borrower can pay what he wants, as long as he covers the minimum of the interest payment. Of course, most lenders will let you pay more than the minimum interest payment any time you want, but that defeats the purpose of the loan, which is to keep the mortgage payment as low as possible.

The concept was believed to be valid since rising real estate prices guaranteed an increase in the value of the house. It used to be that homeowners accrued equity by paying off some of the loan, and by the added value of the house.

Today?s falling home prices means that homeowners can no longer depend on an automatic increase in their home value. There are cases where interest only loans are a good idea. Today, it would really only work if it were used as a stop gap device.

One example may be when a two income couple temporarily only has one income, for instance if one of them went back to school. The assumption is that he will be in a position to pay more for mortgage once school is finished and therefore they can make higher payments.

Or suppose a home owner has a erratic type of income, in that he earns very little for a while and then receives a large sum. An example of this could be someone who performed project work and was only paid at the completion of each project. It would be in his best interest to maintain his mortgage payments low during the periods of no income and raise them when the large income was received.

But eventually, the homeowner should make sure that those principle payments get caught up on. If you are paying off the principal a little at a time each month, when it comes time to sell the home, you earned some equity in it, even if home prices have not gone up. However, if you always pick the interest only option, the loan principal will never be reduced, and the amount received by the sale of the home will not be enough to pay down the loan. - 23211

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Online Or Traditional Investing: Some Basic Information Is A Must About Securities

By Michele Perdue

Before we get into different types of securities it is important to know the very basic definition of investment securities. Investment securities are form of certificate or documents that shows that you have invested in a company or a business or a government entity. The two key types of securities are equity securities and debt securities.

Some basic securities types are as follows:

Bond: This follows in the debt security type wherein the issues of the bond pay interest at a predetermined rate. Bonds are issues by companies, public authorities, government and at times credit institutions. The method used for bond issuing is known as underwriting. The issuer keeps paying interest at regular intervals and pays the principal amount at a later date. Some of the different types of bonds are as follows:

Treasury bonds, Bearer and registered bonds, Participation bonds , and Convertible bonds

Derivatives: These are indirect financial instruments that are depended on direct securities such as bonds, equities. They are also known as hedging instruments. Some of the different types are as follows:

Futures Swaps, Index options, Covered and uncovered calls

Equities: These are the most common type of investment securities. They are in the form of stock or shares that gives the ownership in the company. General public has the option of becoming a shareholder in a large company. Some of the different options are as below:

Common stock, Preferred stock Dividends, Book value, Par value, and Depository receipts

Another unusual form of security is the contract to buy and sell commodity such as tea, coffee, wheat irrespective of the change in its quality. This is also one form of security that involves a contract.

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Life Insurance: Whole Life Vs. Term Life

By Susan Reynolds

Life insurance can be categorized as either "whole life insurance" or "term life insurance". Essentially, the difference is that whole life insurance is designed to provide coverage for the duration of policyholder's life while term life insurance provides life for a specified period of the policyholder's life.

Whole life insurance has the advantage of lacking an expiration date, so long as you keep up with your payments. So the name of it is fairly descriptive, it applies for your 'whole life.' (Or until you reach 100 years old.) This type of insurance policy increases in monetary worth over time.

With this kind of insurance you'll be paying an unchanging amount of money over your life, rather than increasing payments as would occur with term life policies. Furthermore, the value on whole life insurance is a guarantee, rather than the gamble that term insurance is. In both sorts of policies, however, you do have to pay the full premium, or your insurance will expire.

Whole-life insurance policies are well-suited towards long-term goals due to the permanence of their protection, the fixed premiums, and the building cash value. This cash value can be received in full at any time the policyholder chooses to cancel their whole life insurance policy.

With certain whole-life insurance policies, there is the possibility of gaining more cash value than what the company guarantees that you will receive. You are able to get loans to borrow from this amount. However, the guaranteed cash value depends on the life insurance market as a whole as well as your own interest rates. The company's future financial ups and downs may also affect the amount of guaranteed cash value. However, variable life insurance policies lack a guarantee at all, making whole-life policies generally safer. Advocates of whole-life policies suggest that you insure that your rates can compete well with your other investments.

A useful and profitable facet of being a whole life policy owner is the chance to acquire dividends. Insurance companies determines the earnings for their policies on a basis of the overall return they can get on their investments. Also, whole life insurance benefits from having its interest adjusted only on a yearly basis, whereas other kinds of insurance policies, such as universal life insurance, are frequently adjusted on a month to month basis, making them harder to keep up with and calculate their worth versus cost. As with all forms of insurance, whole life insurance benefits from a great many different options in policy.

You should not purchase whole life insurance if you cannot afford it or if there is a good chance that you may not be able to afford it in the future. It's best, however, to purchase life insurance while you are still young. If term life insurance is all that you are able to afford, that's better than no policy at all. The higher premiums found on whole life insurance are because they do cover you for the whole of your life; making it worth the higher costs if you are able to afford it. But whatever policy you choose, be sure that you can indeed afford it. Whole-life premiums will never change, and while this is good if you can afford it in the first place, if you cannot it can be very bad. Get life insurance, but get what you can afford. Any coverage is better than none at all. - 23211

About the Author:

Susan Reynolds is the webmaster for a leading South African Life Insurance provider. For more information visit: http://life.insurance123.co.za/

Individual Dental Insurance: How To Spot Inexpensive Plan To Shield Your Family And Children

By Dwayne Eaton

The following guidelines are meant to help you comprehend this issue of individual dental insurance, it surely was a big support for others.

An individual dental insurance means that you get the best kind of service for your dollars, while preventing damage to gums and teeth. Many people fall into the trap of low costs looking for cheap and individual dental insurance plans, not paying attention to other factors that make the subject of the insurance contract. Consider the following suggestions before making your choice, and maybe the plan you go for will be more advantageous for you as a patient.

Does an individual dental insurance allow you to choose your dentist? Just as it happens with plenty of other insurance types, some cheap dental packages will make you visit only certain doctors. In case you want to be able to choose freely, it is highly recommended that you get a little more expensive package that includes this option within the plan.

Another problem frequently encountered with cheap or, more politely said, individual dental insurance is that the policy coverage is restricted to the cheapest treatment for the dental condition. Even if there are better treatment possibilities, and you won't be able to use them because your affordable insurance plan covers only the lowest-paid type of service.

Inspiring Quote of the Day: "Heed the still small voice that so seldom leads us wrong, and never into folly." ~ Marquise du Deffand

When you select ad effective dental insurance plan, you ought to consider all the clauses in the contract. We should mention that a package considered acceptable covers, two cleanings per year, fluoride treatments and X-rays. The payment for the rest of the services should be split 50/50 between the patient and the affordable insurance plan. If the treatments are extensive and complex, the costs will also be higher with variations from case to case.

A very individual dental insurance plan may limit one in terms of the flexibility to set an appointment for instance. Some dentists plan their services for clients belonging to a certain insurance group or category on special days of the week, and this schedule could be pretty inconvenient or inflexible for the patient. Check for such details before choosing the dentist rather than afterwards, because there may be little you can do about the situation.

What will I pay? This is the question most people ask about an affordable insurance. If one of the family members gets an employer sponsored dental plan, then, the limitations for the procedure costs are reduced consistently. Then, tax deduction is possible in the case of people using premiums to cover their oral health expenses.

Therefore, the truth is that regardless of whether you pay for a more expensive or effective dental insurance, the price is significantly lower than if you had to cover the costs of the dental interventions out of your own pocket.

I'd like to thank you for looking at my write-up about individual dental insurance, why not go check out some of my other write-ups.

If individual dental insurance is not provided by the employer, there is always the possibility to contract it independently. In terms of client preferences, the individual dental insurance represents the most popular and widely used of all services practiced by health insurance companies. In the absence of a dental plan, it would be a debt nightmare to try and pay for all the dental services one needs per year. Most people who fail to contract an individual dental insurance and are not provided with one through their employer, will tend to skip regular checkups and cleanings and eventually suffer from a deterioration of the oral health.

The problem with individual dental insurance is the difficulty to find it with a good coverage rate. More generally speaking, an insurance company makes money out of the monthly fee paid by the customers, and the system applies to all valuables such as home and cars too. In case of dental health, insurance companies are likely to pay money given the huge necessity of dental treatments of their clients, and therefore only partly coverage is provided. Hence many individual dental insurance plans are criticized for being insufficient or faulty.

Inspiring Quote of the Day: "Fortune favors the brave." ~ Publius Terence

Individual dental insurance is most often provided to employees, because large companies get tax deductions and attract well trained work force with such packages. And the practice is pretty extended worldwide. Another situation is the purchase of the individual dental insurance directly from the insurance companies under the form of referral plans. With the payment of a monthly or yearly fee, the client can benefit from discounts and regular dental rates practiced from the oral health providers in the network. The discount is provided based on the insurance card and should there be any remaining sum uncovered, you'll have to pay it. If you don't qualify for traditional dental insurance, and this could be your opportunity of reducing dental expenses and staying healthy too.

It is only normal that superior dental benefit plans be granted to corporations because they bring thousands of employees for the individual dental insurance option, and the same conditions will not be available when you try to get the insurance independently. The company covers the largest part of the premium, while the employee pays for a very small part of it. It's about pure mathematics to calculate the profit: consider the number of employees and employers and then think about the money they generate for insurance companies. Normally known as the group dental plan, this kind of insurance alternative is considered the most advantageous one besides the discount individual package.

As I have said before thanks for looking at this column about individual dental insurance. I trust it was useful. - 23211

About the Author:

If you require still more powerful info about individual dental insurance, next do not delay to drop over at The Insurance Egghead. We have dozens upon dozens of amazing articles about individual dental insurance. Code: EC6J66VW