Murder Stock Trading

By Steve Zappa

If you get into a stock early in the day and the market continues going in your favor, should you keep that stock overnight? What about over the weekend? By nature, those questions should only apply to money making trades. Taking a loss overnight is strictly for losers.

A newbie must close his day-trades by the close of the day, but a shrewd professional has got the option of holding the position overnight. When a market closes inside a few ticks of its high, it typically goes past it the next morning. A market that closes on its lows typically teases with lower lows the following day.

Now zilch is guaranteed, because the market could end close to its high, get blasted with dreadful news overnight, and open up precipitously lower. This is why just veteran day traders have the choice of keeping their trades overnight.

Research, knowledge, and discipline cast your trades on a more composed, more intellectual foundation. You must research the past times, calculate the odds, and arrive at schooled conclusions for the future. When you day trade, there are dozens of minutes when the market goes nowhere, allowing you to estimate the totals.

So traders I know use an individual computer or acquire two computers and devote one to trading and another to research.

Look at one year's history for the market you are trading. Create a spreadsheet and start asking yourself questions. When the market closes just five ticks from its daily high, how many times did it reach a new high the next day? How far did it go the next day? What about on days when the market closed within five ticks of the lows? How low did it go the next day?

After you calculate those odds, calculate what the market did when it closed within ten ticks of the high and so on.

Pros are given to deal in the same market month after month, even when there is a high turnover of amateur traders. Pros have become accustomed to trading a certain method, and to trade with them you must identify those patterns and identify them on a stock chart.

You need to base your trades on truths and chances, not on gut feeling and desire. You must perform your own research. You can't purchase the solutions, because only determining them yourself will give you the confidence to trade. - 23211

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If you found this article valuable that is not even close to the type of quality articles you will find at stock trading and for more money making stock trading secrets read this article stock market

Calculating Health Insurance Rates

By J.D Theis

Health insurance is necessary for all of us. It is important that we take steps to ensure that we pay the least possible amount for as many benefits as we can get. So how do health insurance companies calculate rates for an individual?

Well, it depends on a number of factors. The main factor they are looking at is how health or sick a person is. They want to know whether you are going to be a burden on the insurance company or whether you will be coming in just for regular check ups and emergencies.

We shall discuss some of the main factors that are considered when deciding the premium that you are going to be paying.

The person's age is a very important consideration. It is obvious that a person who is old will have to face a lot more health problems than a person of a younger age. It is a natural outcome of the ageing process to lose bodily functions gradually. A lot of ailments can occur in otherwise healthy individuals once they reach a certain age. It could include diabetes, osteoporosis or heart problems. Any part of the body can become slow and dysfunctional over time. In order to cover for all this, the insurance company will charge more premiums for senior citizens. However, there are a lot of government sponsored programs which help out senior citizens and thus this extra premium can be off-setted.

Another factor is hereditary conditions. The health insurance company will ask for a detailed health history of your family. If your family has a history of say heart problems or cancer, they will bracket you as a high risk individual. A lot of diseases are hereditary and it is not yet known how to prevent them from being transmitted. Though we know that the DNA plays a huge part, reengineering the DNA is something that has not yet been done.

Your habits or lifestyle also plays a large part in deciding the amount you will be paying to your health insurance company. If you are a smoker or if you chew tobacco, you will end up paying more. Yes, smoking is a very costly hobby for the lack of a better word! And there is no way to lie either, because a lung capacity test will easily show how long you have been smoking.

Being a healthy person by following a good lifestyle is not only good for you, but good for your bank balance! - 23211

About the Author:

In order to get further clarification on affordable health insurance and understand its benefits better, log in to Insurancecaredirect. This website will give you more information on all types of healthcare options that will be of use to you.

Which Investment Strategy Is Right For Me?

By Robert S. Feuerstein

There are so many different investment strategies and plans out there. How do I determine which investment strategy is right for me? Well, in order to answer that question for yourself, you need to consider how comfortable you would be with each of the strategies. Ultimately, it's not a matter of which strategy is best. Rather, it's about which strategy you like best.

Well, those are all good questions, but we are going to focus on the last one for now. There are many investment strategies, and there is some debate over which one is best. What it really comes down to is which investment strategy fits your personality best.

To determine that, you need to consider how comfortable you are with risk. In other words, how upset would you be if you lost it all? If you would be devastated, you need to choose a very conservative investment strategy. If it wouldn't bother you at all, you will be comfortable investing in anything, no matter how risky. But you should still use some common sense and research every company or opportunity before investing in it. Just because you're comfortable with risk doesn't mean you should throw your money away.

While there are always a few people who are really scared of losing their money and a few who are comfortable with the riskiest investments, most people fall somewhere in between. They want something that is reasonably safe but still has a chance of making a decent amount of profit. One way to accomplish this is to purchase a mutual fund, which decreases the risk by investing in a lot of different companies. Mutual funds themselves come in many different varieties, from extremely low-risk bond funds to high-risk aggressive growth funds.

Of course, if the entire stock market drops, your portfolio is going to decrease in value no matter where you invest. In that case, you need to remember to hang in there and not panic because the stock market has never yet failed to recover. If you wait it out, there's a good chance that when the market recovers you will end up earning a profit on your mutual fund investment.

Investments that are considered safe include government bonds, such as municipal bonds, and CDs that you can get from your bank. Unfortunately, these types of investments usually don't perform well. To increase your chances of making a good return on your investment, you may want to consider a higher-risk investment such as a growth mutual fund.

There are no guarantees in the stock market, but if you do your due diligence and research each investment opportunity carefully before making a decision, you can decrease the risk. Overall, the US stock market has managed to maintain an upward trend over time. Even though there have been crashed and dips in the past, so far the overall value of the market has continued to rise over time. For this reason, the stock market remains a good bet when deciding where to invest your money. - 23211

About the Author:

Are you searching for a good investment strategy that works for you? Before you spend your time searching for a good strategy, check out BeforeYouInvest.com's beginners guide to investing before you do anything else. BeforeYouInvest.com reviews everything from typical investment strategies to the best online investing tools so take a look.

Car Insurance Companies - Save on Your Premiums by Comparison Shopping

By Andy Darwinson

When you purchase car insurance, you need to check with several companies before you even consider signing for one. Company prices for their insurance varies for many different reasons, none of which have anything to do with the quality of the insurance product.

The prices of coverage from different car insurance companies is often tied to their record of losses. If the insurer has historically given coverage to drivers who turned out to be high risk and had to pay out more claims than anticipated, their premiums will tend to be higher. These higher premiums may either be distributed across all drivers or only in specific demographic groups or among those drivers with a particular type of vehicle.

This means that even though someone else might find a particular insurer to provide them with the best rates doesn't necessarily mean that they will be the cheapest for you. Your premiums may vary depending on your age or the car you drive, especially if the insurer has had to pay out a large number of claims for drivers of that type of vehicle or drivers in your age group. Always compare prices rather than relying on recommendations.

The efficiency with which auto insurance companies are run also makes a difference in their prices. In many cases, small insurance companies are able to provide their customers with lower rates because of their higher efficiency and lower overhead costs.

Another factor in the rates charged by auto insurance companies is the returns they see from their investment activities. Insurers often invest premiums paid by consumers and the outcome of these investments can impact the prices their customers pay.

You also need to check the ratings of the car insurance company before you jump at any low price. Financial ratings from organizations like AM Best are important but you need to look further. If you find the company has a lot of customer complaints about payment or service, back away rapidly.

Another way to avoid forced increases in premium is to get competitive quotes. Before the Internet became a powerful shopping tool, it took hours of calling and repeating your information to even secure a few quotes from local representatives. Most people decided that it was not just too much work, it was also uncomfortable telling strangers everything about your driving history. When you left your number for a call back quote, it meant months of solicitation calls followed your inquiry.

You can now find quotes from many different car insurance companies in a matter of minutes by using the insurance comparison tools available on many websites. Instead of having to do your comparison shopping for insurance during the office hours of your local insurance agents, you can now research car insurance companies and premiums any time day or night. It is a lot easier to get a good deal on car insurance than it used to be and it is as convenient as opening up your web browser. - 23211

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If you are a teen driver, get more tips about car insurance for young people. Driving an Audi? Get tips about Audi car insurance.

How does a LTCi policy protect Senior Citizens?

By Terry Stanfield

How does long term care insurance protect Senior Citizens? Lets take a few minutes to look at this. Life is a journey full of surprises! No one knows exactly what the future holds. You worked hard to save and invest wisely for retirement. And, though it's impossible to predict what lies ahead, we can gain some control of the future by examining our lives and finding solutions that will protect our independence. The reality of life is that, despite everything you do to take care of yourself, your chances of needing long-term care steadily increase over time. The costs that go along with long-term care can exhaust your savings and impact your standard of living along with your independence. Fortunately, there's a solution. With long term care insurance, you can help ensure that if you ever need long-term care, you'll be better able to pay for it and help protect your family, your assets and remain in control of your future!

American's are living longer, leading healthier lives than ever before. We know what is healthy for us and what is not. We have access to medical advances and care that with each passing day we hear about another person celebrating their 100th birthday. Most never expected to live that long. Have you thought about living a long life and the financial and emotional risk associated with long term care? Chances are, you or someone you know has faced the issues involved with caring for a family member. Long Term care is the ongoing care for a chronic, long term illness or disability such as Alzheimer's, a broken hip or an inability to perform Activities of Daily Living (ADL's). Long Term care can include home health care, supervised adult day care, assisted living, residential care, respite care and nursing care.

When it comes to long term care, evaluate the impact on yourself and your family. Would you be able to stay at home to care for yourself or would your family care for you at home? How will you pay for it? Families often bear the burden. The majority of long-term care is provided by unpaid family caregivers to seniors living in their own homes or with their families. Discovering the benefits of long-term care insurance will help ensure your financial security and independence.

Reasons to own a Long Term Care Policy:

1. You can have a professional plan and coordinate your care at home. 2. Your family can be a part of your care plan, but they don't have to be the planners. 3. You will have the money to pay for the care without depleting your nest egg. 4. Your loved ones can carry on with their jobs and own family commitments. 5. Your family will help out of love instead of out of feelings of obligation. 6. You will have the funds to be better able to choose your own facility or stay at home, whichever is more appropriate. 7. You may be able to stay in your own home longer. 8. You may be able to stay with your children without depending on them for all of your care. There will be less strife between family members. One person won't have the sole responsibility of caring for you.

How does a LTCi policy protect Senior Citizens? by protecting your independence and family's well-being. Including Long Term Care Insurance (LTCi) in your financial plans is an important step toward making sure the high cost of long-term care doesn't take your choices away. Work with a Long Term Care Specialist who can answer your questions and help you obtain affordable protection best suited for your needs today! - 23211

About the Author:

Before you go out and buy a policy go to Long Term Care Insurance, ask questions and request a long term care insurance quote. We represent 20 of the top LTCi providers. This gives you tremendous options.