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Asia Session Today's Market Update

2009-10-06T22:13:00.000-07:00

The day in Asia was dominated by reports out of the UK's Independent newspaper stating that a group of Gulf Arab states were in secret talks with the likes of China, Japan, France and Russia to replace the US Dollar for the trading of oil. The dollar would be replaced with a new basket currency that would include the Euro, Yuan, Yen and gold. Needless to say, this news spread quickly, adding to the continued woes of the US Dollar that began in New York with a spark in risk appetite. The report cited both Chinese and Arab banking sources who added that the plan could be implemented within nine years.

Traders liked what they heard and continued to buy EUR/USD into Asia, pushing the pair through 1.4710 highs, as comments from the US Fed's NY President Dudley stating that the US was not considering an end to its accommodative monetary policy anytime soon helped grease the wheels of the move. GBP/USD made subtle gains to the tune of 40 pips to a 1.5970 high as another wave of quantitative easing put into action by the BoE helped dampen Cable strength against the reeling Greenback. Spot Gold continued to grind higher on the dollar weakness, hitting a high just over $1020.00, not too distant from the all time high of $1032.35 from March of 2008. USD/JPY skid to levels a hair under the 89.00 figure to register a weekly low.

The other news of the day was from Down Under as the Reserve Bank of Australia surprised the market and boosted its rate by 0.25%, to pull its 3.0% interest rate up from a 49 year lows to 3.25%. Australia was the first G-20 nation to raise interest rates after the onset of the global credit crisis. The market expected the RBA to leave the rate unchanged, and the move sent the AUD/USD skyrocketing from around 0.8750 to a touch higher than 0.8870 which was in fact a new high for 2009. AUD/JPY and AUD/NZD both made gains over one big figure on the release and seemed well supported heading into London.

Dollar will Rebound Before 2009 Ends

2009-10-06T21:31:00.000-07:00

The dollar had one of the best weekly performance in months gaining versus most of the 16 main traded currencies as the Group of 7 suggested that a strong greenback is important to guarantee a fast and sustainable world economic recovery.

Multiple finance ministers and central bank policy makers from the wealthiest nations in the world affirmed in a G-7 meeting which took place in Istanbul that a strong dollar is essential for the stabilization of the world economy, providing support for the U.S. dollar to touch a one-month high versus the euro and erase previous looses versus several key-currencies. North American officials like Treasury Secretary Timothy Geithner and ECB President Jean-Claude Trichet agreed on the importance of a strong dollar to maintain the world economy in a recovery path, and its position of main reserve currency should remain in currency markets, adding confidence to the dollar outlook.

Even if key central bank personnel are agreeing that a strong dollar is fundamental for the economic scenario to improve, the situation among traders may not be in total concordance with policy makers’ opinions, according to analysts. Mixed economic data is still playing an important role in the dollar’s volatility, and it is hard to determine what direction the dollar, the euro, and the economic conditions around the world will take towards the end of the year.

EUR/USD closed the week at 1.4580. GBP/USD closed at 1.5941.

If you want to comment on the U.S. dollar’s recent action or have any questions regarding this currency, please, feel free to reply below.

Pounds Ends Another Week Down on Crisis

2009-10-04T21:30:00.000-07:00

The pound has been one of the most affected currencies by the credit crunch last year and during the past three weeks it suffered another substantial decline as the U.K. economic scenario continues to deteriorate and this Friday risk aversion is high again pushing investors towards safety.

Today the British currency found obstacles to climb in both domestic and international economy scenarios, as risk aversion rose globally. Nationwide Building Society indicated today a worse than previous forecast for house prices increase in the U.K., raising concerns on the real estate market which was one of the most impacted by the global slump last year, especially in England. Equities markets in the U.K. and overseas also had a negative day before a G-7 meeting which may approach sensitive topics regarding the economic future in the world’s wealthiest nations, forcing investors to opt for safer assets and damping demand even further for the U.K. pound.

The situation in the U.K. and the current problematic market sentiment make of the British pound one of the worse bets available in foreign-exchange markets, as Bank of England’s inefficiency to cope with financial problems in the country becomes more evident by the day, damping demand for the British currency which is likely to remain unattractive for a while.

GBP/USD traded at 1.5851 as of 10:49 GMT from a previous rate of 1.5966. EUR/GBP traded at 0.9173 from 0.9109.

If you want to comment on the Great Britain pound’s recent action or have any questions regarding this currency, please, feel free to reply below.

Dollar Climbs on Economic Forecasts

2009-10-04T21:27:00.000-07:00

The dollar kept its previous days trend gaining versus the euro and high-yielding currencies as forecasts suggest that loan defaults and unemployment rates will keep deteriorating, raising risk aversion and adding attractiveness for the safe profile of the greenback.

An expected rise in unemployment figures, and a still very complicated credit situation in the United States rose concerns among traders regarding the economic recovery in North America and consequently in a global dimension, slashing earlier gains this week for higher-yielding currencies and favoring currencies with a relative safe profile, as the U.S. dollar and the yen. The dollar is likely to end today’s session setting a second week of gains versus the euro, as the current strength of the Eurozone currency is already raising policy makers concerns, as it decreases competitiveness for European products and could slow down the economic rebound in the region.

A negative day in stocks and commodities while market sentiment impacted by U.S. employment figures and the Group of 7 meeting which may approach sensitive topics are providing support for the dollar tor remain strong in the short-term at least. If concerns regarding a strong euro be confirmed in the G-7 meeting, the dollar may extend gains versus the euro during the next week.

EUR/USD traded at 1.4543 as of 9:47 GMT from a previous rate of 1.4565 yesterday. USD/CAD traded at 1.0894 from 1.0747.

If you want to comment on the U.S. dollar’s recent action or have any questions regarding this currency, please, feel free to reply below.

What is the Best Forex Trading Software

2009-08-10T07:08:00.000-07:00

If you are new to the world of Forex trading, you might not know what the best Forex trading software is. However, this is something you're going to want to know if you want to be successful in Forex trading. Good software can make the difference between being an adequate trader and a great and very successful trader.

This will present an overview of what Forex is and how it can work for you. Forex trading, also called foreign exchange trading, works by trading currency pairs. Basically, you are predicting that one country's currency within your pair is going to do better than the other currency in the pair your trading. You make trades based upon these predictions, and make or lose money based upon how things actually work out.

Even the best Forex trading software can't work for you until you know how the market actually works, but it can streamline the process for you once you do. Learn your way around the Forex market by opening up a "demo" account with one of the Forex traders online and practicing. While you practice, you can also begin to use Forex trading software so that you learn how to use it so that you can make trades to your best advantage. You should know that you should never trade with real money until you know the market very well and have learned how to use your Forex trading software expertly, too.

What the best Forex trading software can do for you

The best Forex trading software cannot "take over" your trades for you completely, even though some sites may tell you that you don't need to know anything about Forex and can still make money as long as you use their software. In fact, you're going to use your Forex trading software to make your trades for you automatically, based upon criteria you give it. That is the main key right there - the criteria you give it, and that is where your understanding of the Forex market comes in, so that you understand exactly what criteria to give the Forex software to maximize your profits and minimize your losses.

What your Forex trading software can do for you is to keep up with the Forex market, which moves very fast and in real-time. There is a lot of data to be analyzed and considered, much more than you can analyze manually. The best Forex trading software will receive this information as quickly as it comes in, and make your trades for you based upon the criteria you've given it so that you have your best success.

What should your Forex trading software be able to do?

Your Forex trading software should be able to provide you what are called "trading signals." These trading signals are basically indications provided to you by a third party that recommend whether you should buy or sell. Therefore, your best Forex trading software is going to have this particular function built into it as part of the service.

A second thing your Forex trading software should be able to do is to allow you to place what are called "stop loss" orders. These are automated orders whereby your currency will be sold if it falls below a certain value that you have specified. This is important, because it keeps you from "losing your shirt" on a trade that is losing money. By defining your stop loss at specific values, you accomplish two things. First, doing so ensures that you don't have to be there in order to have the stop loss order implemented. You simply place it and it is implemented at the appropriate time, automatically, unless you cancel it. It helps keep you from experiencing additional loss.

The second thing placing a stop loss order does is that it negates any psychological factors that may actually help cause extreme losses. Let's say you're losing on a trade and you've placed a stop loss order so that the currency is sold once it drops to two dollars. By doing this, you prevent yourself from risking further loss by saying, "Well, maybe this currency will gain in value once again, so I'm going to stay in on the trade and see what happens." In effect, you are giving yourself an automatic "out" and taking yourself out of the process once that loss has occurred.

Remember that even the best Forex trading software can't do everything. Forex trading software is meant to be a tool to help streamline the Forex trading process for you so that it is automated to some extent. However, you still must have a good solid working knowledge of the Forex system and how it works in order to be able to use your Forex trading software effectively.

It's a bit like learning how to drive a car. Improvements in cars these days like power steering, power brakes, and airbags make driving safer and much easier than ever before. However, you still must be able to steer the car effectively, to accelerate and brake as necessary, in order to be a safe driver. In other words, the car is a vehicle you control, and you can't simply sit back and let it do the work for you.

The same is true of even the best Forex trading software. It can streamline the process for you and make it much easier and more automatic, but you still have to be in control. This is why it's imperative to know the Forex market very well before you try to trade with real money. In addition, having a thorough knowledge of the Forex market will tell you which software is best for you.

Compare Forex Trading and Stock Trading

2009-08-10T07:07:00.000-07:00

The forex (foreign currency exchange) market is the largest and most liquid financial market in the world. The forex market unlike stock markets is an over-the-counter market with no central exchange and clearing house where orders are matched.

Traditionally forex trading has not been popular with retail traders/investors (traders takes shorter term positions than investors) because forex market was only opened to Hedge Funds and was not accessible to retail traders like us. Only in recent years that forex trading is opened to retail traders. Comparatively stock trading has been around for much longer for retail investors. Recent advancement in computer and trading technologies has enabled low commission and easy access to retail traders to trade stock or foreign currency exchange from almost anywhere in the world with internet access. Easy access and low commission has tremendously increased the odds of winning for retail traders, both in stocks and forex. Which of the two is a better option for a trader? The comparisons of retail stock trading and retail forex trading are as follows;

Nature of the Instrument
The nature of the items being bought and sold between forex trading and stocks trading are different. In stocks trading, a trader is buying or selling a share in a specific company in a country. There are many different stock markets in the world. Many factors determine the rise or fall of a stock price. Refer to my article in under stock section to find more information about the factors that affect stock prices. Forex trading involves buying or selling of currency pairs. In a transaction, a trader buys a currency from one country, and sells the currency from another country. Therefore the term "exchange". The trader is hoping that the value of the currency that he buys will rise with respect to the value of the currency that he sells. In essence, a forex trader is betting on the economic prospect (or at least her monetary policy) of one country against another country.

Market Size & Liquidity
Forex market is the largest market in the world. With daily transactions of over US$4 trillion, it dwarfs the stock markets. While there are thousands of different stocks in the stock markets, there are only a few currency pairs in the forex market. Therefore, forex trading is less prone to price manipulation by big players than stock trading. Huge market volume also means that the currency pairs enjoy greater liquidity than stocks. A forex trader can enter and exit the market easily. Stocks comparatively is less liquid, a trader may find problem exiting the market especially during major bad news. This is worse especially for small-cap stocks. Also due to its huge liquidity of forex market, forex traders can enjoy better price spread as compared to stock traders.

Trading Hours & Its Disadvantage to Retail Stock Traders
Forex market opens 24-hour while US stock market opens daily from 930am EST to 4pm EST. This means that Forex traders can choose to trade any hours while stock traders are limited to 930am EST to 4pm EST. One significant disadvantage of retail stock traders is that the stock markets are only opened to market makers during pre-market hours (8:30am - 9:20am EST) and post-market hours (4:30pm - 6:30pm EST). And it is during these pre-market and post-markets hours that most companies release the earnings results that would have great impact on the stock prices. This means that the retails traders (many of us) could only watch the price rise or drop during these hours. Besides, stop order would not be honored during this times. The forex traders do not suffer this significant disadvantage. Also, a stock trader may supplement his/her trading with forex trading outside the stock trading hours.

Affordability
In order to trade stocks, a trader needs to have quite a significant amount of capital in his account, at least a few tens of thousands in general. However, a forex trader can start trading with an account of only a few hundreds dollars. This is because forex trading allows for higher leverage. A forex trader could obtain larger transaction compared to stock market. Some forex brokers offers 100:1, 200:1 or 400:1. A leverage of 100:1 means that a US$1k in account could obtain a 100 times transaction value at US$100k. There is no interest charge for the leveraged money. Stock trading generally allows for not more than 2 times leverage in margin trading. There are interest charges associated with margin trading.

Data Transparency & Analysis Overload
There are thousands of different stocks in different industries. trader needs to research many stocks and picks the best few to trade. There are many factors that affect the stock prices. There are much more factors that may affects stock price than foreign currency exchange rates. The forex traders therefore can focus on few currency pairs to trade. On top of that, most data or news affecting currency exchange rate are announced officially, scheduled and in a transparent manner. Retail forex traders therefore have better chances of success than retail stock traders.

Bear/Bull Stock Market Conditions
Forex traders can trade in both way buying or selling currency pairs without any restrictions. However, stock traders have more constraints to trade and profit in bear market condition. There are more restrictions and costs associated with stock short selling. In a bull market when the economy is doing well, stock traders have a high chance of profitability if they buy stock first then sell it later. Savvy forex traders however, could operate in all market conditions.

Trending Nature of Currency
Major currencies are influenced by national financial policies and macro trends This national financial policies and macro trends tend to last long in a certain direction, either in monetary expansionary (rate cutting) or monetary contractionary cycle (rate hiking cycle). Stock prices however tend to fluctuate up and down due to many factors, many of these factors are micro and specific to the stocks. Therefore forex traders can better exploit the trends in foreign currency markets that stock traders in stock markets.

Regulation
Generally, most major stock markets are better regulated than forex markets. Therefore, traders need to be aware of this difference to stock markets. Fortunately, there are however many reputable forex brokers in the market. With prudence and proper research, it is not difficult to find a suitable reliable forex brokers.

Based on the above few points, forex trading seems to be a better trading option than stock trading, especially during these uncertainties in the global economy. During bull market condition, stock trading could be a viable alternative. A stock trader should definitely seriously consider supplementing their trading with forex trading. Forex trading enables a stock trader to exploit any opportunity arises during non stock trading hours, by trading in forex trading. Forex trading would also enable the stock traders to understand a more complete big picture of world economies operations and further enhance their stock trading skills.

Forex Trading Course For Beginners

2009-08-10T07:04:00.000-07:00

Nature of the Instrument
The nature of the items being bought and sold between forex trading and stocks trading are different. In stocks trading, a trader is buying or selling a share in a specific company in a country. There are many different stock markets in the world. Many factors determine the rise or fall of a stock price. Refer to my article in under stock section to find more information about the factors that affect stock prices. Forex trading involves buying or selling of currency pairs. In a transaction, a trader buys a currency from one country, and sells the currency from another country. Therefore the term "exchange". The trader is hoping that the value of the currency that he buys will rise with respect to the value of the currency that he sells. In essence, a forex trader is betting on the economic prospect (or at least her monetary policy) of one country against another country.

Market Size & Liquidity
Forex market is the largest market in the world. With daily transactions of over US$4 trillion, it dwarfs the stock markets. While there are thousands of different stocks in the stock markets, there are only a few currency pairs in the forex market. Therefore, forex trading is less prone to price manipulation by big players than stock trading. Huge market volume also means that the currency pairs enjoy greater liquidity than stocks. A forex trader can enter and exit the market easily. Stocks comparatively is less liquid, a trader may find problem exiting the market especially during major bad news. This is worse especially for small-cap stocks. Also due to its huge liquidity of forex market, forex traders can enjoy better price spread as compared to stock traders.

Trading Hours & Its Disadvantage to Retail Stock Traders
Forex market opens 24-hour while US stock market opens daily from 930am EST to 4pm EST. This means that Forex traders can choose to trade any hours while stock traders are limited to 930am EST to 4pm EST. One significant disadvantage of retail stock traders is that the stock markets are only opened to market makers during pre-market hours (8:30am - 9:20am EST) and post-market hours (4:30pm - 6:30pm EST). And it is during these pre-market and post-markets hours that most companies release the earnings results that would have great impact on the stock prices. This means that the retails traders (many of us) could only watch the price rise or drop during these hours. Besides, stop order would not be honored during this times. The forex traders do not suffer this significant disadvantage. Also, a stock trader may supplement his/her trading with forex trading outside the stock trading hours.

Affordability
In order to trade stocks, a trader needs to have quite a significant amount of capital in his account, at least a few tens of thousands in general. However, a forex trader can start trading with an account of only a few hundreds dollars. This is because forex trading allows for higher leverage. A forex trader could obtain larger transaction compared to stock market. Some forex brokers offers 100:1, 200:1 or 400:1. A leverage of 100:1 means that a US$1k in account could obtain a 100 times transaction value at US$100k. There is no interest charge for the leveraged money. Stock trading generally allows for not more than 2 times leverage in margin trading. There are interest charges associated with margin trading.

Data Transparency & Analysis Overload
There are thousands of different stocks in different industries. trader needs to research many stocks and picks the best few to trade. There are many factors that affect the stock prices. There are much more factors that may affects stock price than foreign currency exchange rates. The forex traders therefore can focus on few currency pairs to trade. On top of that, most data or news affecting currency exchange rate are announced officially, scheduled and in a transparent manner. Retail forex traders therefore have better chances of success than retail stock traders.

Bear/Bull Stock Market Conditions
Forex traders can trade in both way buying or selling currency pairs without any restrictions. However, stock traders have more constraints to trade and profit in bear market condition. There are more restrictions and costs associated with stock short selling. In a bull market when the economy is doing well, stock traders have a high chance of profitability if they buy stock first then sell it later. Savvy forex traders however, could operate in all market conditions.

Trending Nature of Currency
Major currencies are influenced by national financial policies and macro trends This national financial policies and macro trends tend to last long in a certain direction, either in monetary expansionary (rate cutting) or monetary contractionary cycle (rate hiking cycle). Stock prices however tend to fluctuate up and down due to many factors, many of these factors are micro and specific to the stocks. Therefore forex traders can better exploit the trends in foreign currency markets that stock traders in stock markets.

Regulation
Generally, most major stock markets are better regulated than forex markets. Therefore, traders need to be aware of this difference to stock markets. Fortunately, there are however many reputable forex brokers in the market. With prudence and proper research, it is not difficult to find a suitable reliable forex brokers.

A few helpful mortgage application tips

2009-05-27T08:50:00.000-07:00

Applying for a mortgage is a big step. For most American consumers buying a house and applying for a mortgage is the biggest and most significant financial decision of their life. There are a few things you should educate yourself about before obtaining that loan.

There are no magic rules for how you should apply for a mortgage. Like with any other product that you intend to purchase, and mortgage is at the end of the day a financial product that you are going to buy, there are a few things that you should be aware of and check to make sure the mortgage is right for you.

Here are a few considerations when applying for a mortgage:

How fast will the application processing take. Mortgage application involves credit checks and other due diligence steps that do take time. You also are not going to apply to many mortgages since for example having multiple credit checks at the same time can hurt your credit score. It is important to align the time when you estimate you will need the mortgage to the period of time the lender needs to approve your application. For example if you already put a bid on a home and you have 30 days to close, you must make sure that the mortgage application can be processed and approved in less than 30 days.

Know in advance which documents you will need. For example refinancing mortgages require documentation regarding your property tax and insurance policy. If you know in advance that you will need insurance documentation and you don’t have it you can have the time to get it otherwise you might get stuck during the application process with missing documents and be either denied or delayed.

Something to know that makes lots of sense is simply what is the bank threshold for approving a loan? After all if you know for example that your credit score is 650 and a specific lender has a strict policy of only approving loans for applicants with credit scores higher than 700 why apply at all? You will just waste time and energy and at the end of the process be denied. Make sure that you confirm to the lender known requirements before applying.

How much do you need to loan and how much can you afford? At the end of the day lenders want to make sure that you can pay back the mortgage. Applying for more money that you need or can afford to pay back will just result in your mortgage application being denied. Budget your income and find out how much you can allocate for the monthly mortgage payment. Be honest with yourself because lenders are thorough and if you apply for payments you can not afford they will most likely figure it out and deny your application. After figuring out the monthly allocation calculate back the total loan amount that such a payment can support.

Know the terms. There are professional terms that the lender is going to use. It is good to know those in advance. Search online or buy a mortgage book. For example you should know what is the difference between a first mortgage and refinancing, fixed vs. ARM, what is a conforming mortgage, what are points and so on.

By : blane.house1380
Original Articles : Visit Site

Basic things to know when incorporating your business

2009-05-26T08:49:00.000-07:00

There are a few options when deciding to start a new company. Deciding on the right entity type to incorporate your business as is an important step and can have long term tax and liability consequences. If you are new to incorporation entities here are a few basic terms to know.

LLC is a simple entity very common with small businesses. An LLC can be owned by a single member or by multiple members. For tax purposes an LLC is a transparent entity. In other words the LLC does not change the way you are paying taxes. The LLC income is funneled and added to its members personal income. The reason to establish an LLC is liability. LLC does provide liability protection to its members but it is not as strong as the protection corporations provide and it depends on the type of business, number of members and the way the LLC is managed.

S-Corp is a simple version of a full blown C-Corp company. S-Corps are not separate entities for tax purposes. In other words the S-Corp income is also funneled and added to the owners personal income. This allows saving employment tax on that income but there is one caveat. You can not transfer all of the S-Corp income as personal income. You must first pay a reasonable wage to the S-Corp offices and workers and only the amounts on top of that reasonable income can be directly transferred as personal income. Those wages will be subject to employment tax, medicare, social security and so on. As such if the projected income from the business is low S-Corp does not provide a tax benefit.

C-Corp is a separate taxable entity. Any income is first taxed at the corporation level and only then can be disbursed to the shareholders and added to their personal income fr further taxation. This can be used to your advantage though in what is know tax splitting. For example if the C-Corp is paying a wage to the owners than that wage is a deductible expense and the C-Corp is not taxed for it. Slitting income means that some income is taxed personally and some is left in the company and paid by the company. In this method more dollars can benefit lower tax bracket. There is a limit though to how much money can be split this way as the IRS set a limit to the wage an owner can take from a C-Corp and still enjoy the full deductible expense. The biggest tax disadvantage of a C-Corp is that if you accumulate money in it and wants to distribute it as dividends that money will be taxed twice first at the C-Corp level and then at the personal level as dividend income.

Before choosing the right entity for your business sit down with your attorney and accountant and think it through. You will need to project things like how many owners will the business have, what is your relationships with them, what is the projected income in the next few years, what is the liability exposure of that type of business and so on.

By : blane.house1380
Original Articles : Visit Site

Ways to improve your mortgage terms

2009-05-25T08:48:00.000-07:00

If you are reading this article then you either already have a mortgage or you are planning to get one soon. A mortgage is a big financial decision many times the biggest in your like. It is not surprising thus that getting a good mortgage is important. Here are some tips how to do just that.

Most people focus their efforts to get a good mortgage at the time they need a mortgage by shopping around for the best terms and interest rate. While this is something that needs to be done getting a good mortgage is actually something that you should start working on long time before applying for one, preferably a few years or more. After all one of the most important drivers for getting a good mortgage is your credit score and credit history which takes years to build.

One of the best advice that you can get is to simply work on improving your credit history. It is never too late to do it. Even if you neglected your credit history and now you are in need of a mortgage you can still improve your future finance by starting to work on it. Take the best mortgage that you can get with your current credit history, work to improve it and then in a few years refinance to a lower interest rate based on your improved credit history.

Track your credit history regularly. Promptly call the credit history bureaus if you identify any mistakes. Make sure that you pay all your credit cards and other loans on time. Avoid applying for credit too often and when not necessary. The number of credit applications is a factor in determining your credit score for example applying to many credit cards or discount store cards can on the long run lower your credit score and result in you ending up paying much more than all those discounts through your mortgage dues.

When applying for a mortgage you should take into consideration your future financial stability. Try to sit down and estimate what is your forecast for your future ability to pay the mortgage dues, and what is your forecast for your future financial status improving. For example if you are on a career path and you are confident that in 5 years you will be promoted to a better job that pays more you might consider taking a five year ARM mortgage that provides lower interest in the short term while your income is limited but that its interest rate goes up according to market conditions within five years at a time when you assume you will be in a position to afford larger payments. Be aware that such a tactic is risky as future plans might fall apart. Always make sure that you leave plenty of slack for unpredictable developments.

When applying for refinancing first make sure to check your credit status. Check your credit history report for irregularities. If you identify any problems delay your refinance application and first fix your credit history.

For any kind of mortgage refinancing, one needs to check on the stability of the credit status. In order to even qualify for a lower mortgage rate one has to improve the credit. In case your financial situation has improved since the time when you bought your home, you can upgrade for a better rate by just applying for the same. All of us have faced credit problems at some time or the other. But for acquiring the best mortgage rates, building up a good credit account is of prime importance.

Most mortgage loans come with a term length, in other words the given span of time for repayment of the loan. Though most mortgage loans come with a thirty-year term length; there is however forty and fifty year terms available too. Most short-term mortgages are usually considered low risk and come with lower interest rates.

While searching for lower interest rates, be sure to compare multiple mortgage offers which detail out lender fees as well as closing costs. Try to compare and contrast the best mortgage rates of various lenders in such a way that you get the best refinance loan package deal. Before you choose a lender, make sure that you have contacted credit unions, mortgage companies, banks, etc. Ask for best mortgage rate from various financial institutions before you accept any offers. You will save your time and money by contacting mortgage brokers as well and you can also submit your information to different lenders for their opinion.

By : blane.house1380
Original Articles : Visit Site

What makes a good mutual fund good?

2009-05-24T08:46:00.000-07:00

Mutual funds are popular. If you are not invested in one right now you are more than likely to be invested in one in the near future either directly or indirectly. Choosing a good mutual fund is important for maximizing your investment performance.

Like any other investment choosing a good mutual fund really depends on your needs. Also like any other investment mutual funds are a balance between risk and performance. The higher the risk you are willing to take the higher the potential profits. Investing in individual stocks is considered riskier than investing in mutual fund although the potential gains are higher. Mutual fund usually hedge individual stock risk by managing a large portfolio of stocks and other instruments. That balance also averages the gains.

There is no simple answer to what makes a mutual fund good as the question is fundamentally wrong. The right question is what makes a mutual fund good for you and the answer depends on what you are looking for. In order to choose a mutual fund you choose both know what your options are and also really know and understand what your needs are and how much risk you want to take.

One of the more common mutual funds that tend to perform well at a lower risk are index mutual funds. Like their name suggests index mutual funds value is attached to the performance of a specific index like the famous S&P 500. Index mutual funds are pretty simple to understand and to track and for the most part there is no big difference between different funds if they invest in the same index.

Other funds invest in stocks and other instruments. Most funds have a theme or a policy of how they invest. For example a small cap fund invests in stocks of small cap companies why an technology fund invest in technology innovative companies. Themed mutual funds are managed by people who decide what to buy when to buy and when to sell each of the individual stocks. One of the most important things when choosing a mutual fund is to read about who manages its daily operations and who decides how the fund invests its money. Check how experienced the management is how long have they been with the fund and with other funds and how well have they done. Although a manager they did very well in the past can certainly fail in the future it is still statistically a better choice than an inexperienced manager or a manager that failed.

Since mutual finds have managers and other operation costs they have to charge some management fees. Usually the management fee is expressed in a percentage that the fund takes for itself. If you are investing long term that fee is less important. If you are looking for short term investments the fees can be significant and you should consider them when choosing the fund.

Education is your best tool when choosing a fund. Don’t be tempted to invest in a fund just because its headline says 25 percent annual gain. Read about it read about the management read about its investment philosophy and maybe even look at its portfolio and randomly pick a few stocks it is invested in and judge for yourself if those were good buys or not.

By : blane.house1380
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Creating jobs in a way of borrowing money for new businesses

2009-05-23T08:45:00.000-07:00

The number of new jobs created each month is usually used as an indication of the economy health. New jobs are created when new businesses are created or old businesses are expanded and this is done via the vehicle of borrowing money.

You have probably heard on the news more than once that the number of new jobs has increased in the last month by a certain amount or maybe sometime it was just flat or even declined. New jobs mean that the economy is expanding. New jobs are good for employees since it means the supply of available jobs is growing and with more supply you have more options to choose from which usually translates to higher wages and better benefits.

So how are new businesses created? The answer is by borrowing money. New businesses usually start with an idea and a group of entrepreneurs that are enthusiastic about realizing that idea. An idea can be anything from computer software to real estate development. When a group of entrepreneurs come up with such an idea then would plan the necessary steps needed in order to realize it.

Every step in realizing a new business requires funding. Since most entrepreneurs do not have the cash needed to fund the business on their own they usually have two options one is to sell a portion of the business in return to cash that will fund it and the other to go to a lender like a bank and borrow money that will fund the business.

Borrowing money is usually the better option since the entrepreneurs can to keep their equity in the business while having the cash to build the business. So why do lenders give money to such entrepreneurs? The reason is simple they do it in return to an interest paid for the loan. A lender would usually evaluate the risk in the business. The higher the risk the higher the interest rate that the lender would charge.

For some businesses the risk is so high that lenders would simply refuse to lend money to such business. For such business like for example the hi tech software market the only funding option is through selling a portion of the business or in other words giving away equity for cash.

The ability to borrow money in reasonable terms is the fuel that runs the economy. The easier it is to get money for lower interest rate the easier it is for entrepreneurs to fund and start new businesses. Some of those businesses would fail but other would flourish and supply jobs and products to expand the economy.

When the economy is bad and many business fail lenders tend to stop lending money and wait. In such scenarios the economy is flat and can not grow. Many times the government of the central bank would intervene by lowering the interest rate or providing other incentive and sometimes even lending money itself in order to fuel the economy and create new businesses and new jobs.

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The concept of borrowing money and its importance to the economy

2009-05-22T08:43:00.000-07:00

Many people do not realize how important the concept of borrowing money is to the economy. For most people borrowing money is just an easy way to get a new car or buy a house but for the country economy it is much more.

One of the things we keep hearing on the news is a percent number that symbolizes how fast the economy is growing. Economy growth is important to our lives. Although it sounds like yet another number professional economist use and confused us with in reality the economy growth is a good indicator to the health of the economy.

The health of the economy is important to us all. If the economy is doing well it means there are more jobs and there is more money for us to earn and of course to spend.

It is easier to understand the concept of economy growth and how it relates to borrowing money through an example of the job market. When the economy is growing there are also new jobs created and as employees in the job market we have more options to choose from that usually translate to better wages and benefits.

How are new jobs created? The answer is simple by creating new businesses. For example if a new factory opens in your city it will need to hire all kind of employees from factory floor workers to human resources and financial managers. When the economy is growing new business are created and in return they create more jobs.

How are new businesses created? Except for some rare cases all new business rely in one or another on borrowing money. Usually a group of entrepreneurs decide to start a new business for example a new computer manufacturing factory. They check the market evaluate the potential and write a business plan.

In order to build the factory they need a certain amount of money. The money is used to create the business and to run it to the point when it turns profitable. Most entrepreneurs do not have the cash to spend on such a new business. In turn they go to a bank or another borrower present their case the business plan and the idea and ask for money.

The bank makes a decision based on its evaluation of the new business risk. Usually the higher the risk the higher the interest rate that the bank would collect for the loan. At some point if the risk is too high the bank might decline the loan altogether.

If borrowing money is not available then new business are very hard to create since entrepreneurs do not have the cash to start them. If new businesses are not created the job market stays flat and the economy too. As you can see the concept of borrowing money is crucial for any economical growth. The ability to loan money allows for the creation of new businesses and for growth. Without money borrowing the economy will stay flat and eventually shrink.

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Helpful mortgage application tips

2009-05-21T08:42:00.000-07:00

About your home and taxes

2009-05-20T08:40:00.000-07:00

For most people owning a home means paying more in tax. Property tax for example can add up and is a major expense for many. A home however can also act as a way to save money. Here are a few words about that topic.

You must have heard the words tax shelter before but for most it is usually associated with hiding money in offshore banks. Although many are not aware of it and do not take full advantage of it a home can act as more than just a physical shelter for you and your family, it can act as a good tax shelter too.

The two most known tax benefits when buying a house are mortgage interest deductible and being freed from capital gain tax when selling the house (assuming you lived in it as your main residents for two or more years). Mortgage interest deduction allows you to loan money at a discount (since by deducting the interest you effectively get a cheaper loan). In return the loan money is invested in a real estate assets that proven again and again is one of the best long term investments. Capital gain tax is levied when selling and profiting from capital investments such as a home. If you use your home as your main residents though for two or more years you can sell it and keep the profits to yourself without the need to share them with the IRS. So not only did you get a cheaper loan and money to invest but you also got to put the profits in your pocket tax free.

Both interest rate deduction and capital gain tax benefit have limits. Mortgage interest is deductible for the first and second house and up to one million dollars in mortgage. Capital gain is free of tax for the first $250 thousand dollars profit per individual (in other words married couple can put up to $500 thousands dollars before they have to pay taxes). The reason for those caps is to encourage the economy with most middle class consumers while taxing the rich and luxury homes market.

Another way to invest in your home while squeezing tax benefits from the government is by improving your home. Any work that is done on the home to improve its value for example adding a room is considered an improvement and if you take a loan to finance it you can deduct the loan interest payments.

There are other creative ways in which you can save tax when owning a home. If you are working from home full time or partial time you can allocate a specific area in your home, most likely the garage or basement area, as your home office. If you do that you can be qualified to deduct a portion of your home expenses relative to that area such as electric bills, gas bills, insurance and more.

As always it is best to consult with your accountant before making any financial decisions. Your accountant can explain all the options for saving taxes while owning a home.

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Everything you should know about your house and its tax issues

2009-05-19T08:39:00.000-07:00

Applying for a home mortgage

2009-05-18T08:38:00.000-07:00

Applying and getting a home mortgage loan is one of the biggest financial step for most American people. There are many issues and considerations when applying for that home mortgage that can have long term consequences on your financials. Here are just a few.

Although many people do not look at it this way a home mortgage is a product like any other product. It has a price and it has different features and attributes. Like any other product that you buy just comparing the price is a mistake. You should also look at the balance between the price of the home mortgage and its features. You should also make sure that its features are right for you.

For example home mortgage applications can be processed in different speeds depending on the amount of the loan, the market conditions and the company you are taking the loan from. Sometimes that time is not important and should not be considered at all. But sometimes it can be the most important feature for example if you have a rare opportunity to buy a real estate asset and you are limited in the time you are allowed to get the loan. Generally speaking it is best to not be constraint by the application processing time. The more time you have the more loan options you can check and the better product you will buy for a lower price. Try to you’re your home purchase know in advance how much time will you need and make sure you allow yourself enough time.

Applying for a home loan is tedious. The lender will want to make sure that you can pay back the loan and that in case you can not pay the asset on lien will be valuable enough to pay the loan off. The way lenders work is that they do due diligence on you and the asset. A lender requires many documents that prove you financial ability to pay the loan, that prove the asset fair market value and so on. Know in advance which documents are needed and have them ready. For example if you intend to buy a house in the next 6 to 9 months and you know you will need a home mortgage loan don’t wait for the last moment, go to a few lender and get the list of documents they will require. Have those documents ready so that when you need the loan you can quickly file them with a few lenders and make your choice.

Understanding the language the lender is going to be speaking is important to. Familiarize yourself with the mortgage industry common terms such as refinancing, ARM, fixed interest rate, interest rate only, title insurance, points and so on. For example if you know what a prepayment penalty is then when you get a mortgage you can ask on prepayment terms and make a decision if they fit you or not. If there is a chance that you will pay off all or mart of the mortgage earlier you should take caution with prepayment fees. If you estimate interest rates will go down and you will want to refinance you should also be cautious about prepayment fees.

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How to improve your mortgage terms

2009-05-17T08:36:00.000-07:00

Things to know when applying for a car loan

2009-05-16T08:35:00.000-07:00

Getting a car loan is a major step when buying your used or new car. Most American buy their cars by using some debt tool either as a loan or as a lease. There are a few things you should know when applying for a car loan and that can help you can a better loan faster.

Here are a few considerations when applying for a car loan. The first thing to decide is if you are going to get the car loan through the dealer or independently from a bank or another lender. Getting a car loan through the dealer is the easiest and sometimes dealer through more goodies at you if taking the loan with them making it a better deal than going to an independent lender. However knowing what the market interest rates are can help you negotiate the dealer loan terms down. Even if you decide to get the loan from the dealer do some homework first and check what the market has to offer.

How fast will the loan be processed is another important factor. Dealers can process it on the spot since they have the incentive to sell the car. Other lenders might take anything from immediate processing to a few days. Part of the loan application process involves the lender running a credit check on you. Don’t apply to many lenders since for example having multiple credit checks at the same time can hurt your credit score. It is important to align the time when you estimate you will need the money for the car to the period it takes lenders to approve the loan. If for example you plan to go and buy a car in a week make sure you apply for lenders on time so that when you go and get the car you have an approved loan in your hand that you can either use for cash or use for negotiating the dealer down.

Something to know that makes a lot of sense is simply what is the lender threshold for approving a loan? After all if you know for example that your credit score is 600 and a specific lender has a strict policy of only approving loans for applicants with credit scores higher than 650 why apply at all? You will just waste time and energy and at the end of the process be denied. Make sure that you confirm to the lender known requirements before applying.

How much do you need to loan and how much can you afford? At the end of the day lenders want to make sure that you can pay back the car loan. Applying for more money that you need or can afford to pay back will just result in your car loan application denied. Budget your income and find out how much you can allocate for the monthly car loan payment. Be honest with yourself because lenders are thorough and if you apply for payments you can not afford they will most likely figure it out and deny your application. After figuring out the monthly allocation you can in turn calculate the total loan amount that such a payment can support.

Know the terms. There are professional terms that the lender is going to use. It is good to know those in advance. Search online or buy a book about car loans and leases. For example you should know what the following terms mean: interest rate, APR, money factor, prepayment penalty and so on.

Another important feature of car loans is a prepayment penalty. Some loans include provisions for prepayment penalties. In other words if you will end up paying off the loan before its predefined term ends you will have to pay a certain fine. In most cases such loans are cheaper but you should only get them if you are certain you will not end up paying them off early for example if you plan to receive some money and use it in the future to pay off the loan or if you plan to sell the car before the loan term ends.

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What makes a good savings

2009-05-15T08:33:00.000-07:00

Savings accounts are a good way to do what their name suggests, save money. Growing a habit of putting a set amount of money from every paycheck is a good way to save. Saving money a small amount at a time can add up. Here are some things you should know when opening your savings account.

The most important feature of a savings account is the interest rate the bank pays on your savings. After all the goal of a savings account is to save money and while your money is sitting in the bank account it should also grow through the accumulation of interest paid on it by the bank. If the bank would not pay any interest on that money you would actually be losing money due to inflation.

Another thing to consider is the minimum deposit needed to open a savings account. You should make sure that you do have enough money to top that amount. This is usually not a problem though since many banks let you open a savings account with just a dollar deposited while some other require larger sums but still manageable in the tens of dollars.

Having your savings account with the same bank where you keep your checking account and maybe other business is a good idea but it is not necessary. Although convenient if it results in getting a lower interest rate than it might not be worth it. If your bank where your checking account is managed offers a lower interest rate on savings account than you can find somewhere else try to negotiate with your bank to raise their interest rate. You will be surprised at home often that can work and if not just walk away and go to the highest one. Make sure though that the bank you are going to save your money at is FDIC insured otherwise you are risking your money and the extra interest rate you might get from a non FDIC bank might cost you much more if things go bad for that bank.

Having easy access to your savings account is important too. If depositing money is hard you might end up not doing so. Make sure that you can easily deposit funds. Most banks today provide online access and will let you deposit money online directly from your checking account sometimes linking to checking accounts at other banks. If not you should be able to write a check and mail it for deposit.

Set an achievable target. Try not to withdraw money from your savings account even though it is the easiest solution for a temporary cash need.

Some banks would provide you with a debit card linked to your savings account. It is better to refuse that card as it will just serve as temptation for using the money in your savings account instead of saving it.

Savings account are a great way to save small amounts of money. If you accumulate larger sums you should look at other savings instruments like certificate deposits (CDs), mutual funds and more. You can get higher interest rate with CDs for larger sums of money that you can put lock aside for a predetermined period of time and you can get even more if you are willing to take a risk and invest some of your money in mutual funds and stocks.

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Basic things to know if incorporating your business

2009-05-14T08:31:00.000-07:00

Can you afford the loan you are applying for?

2009-05-13T08:30:00.000-07:00

The latest credit crunch and mortgage crisis is the best proof for how wrong the assumption that if a lender approves a loan it means that the borrower can really afford the loan and pay it back in full including all interest and other payments. For many reasons bank and lenders approve borrowers that are not really loan worthy for the loan they are applying for. The reason vary from greed to simply making mistakes or using wrong judgments or tools. As much as lenders try they can not know the borrower as well as the borrower knows himself. Some loans are approved because of lack of such intimate knowledge and because further diligent by the lender is too expensive making taking the risk of lending the money more economical than actually applying more diligence.

Our first suggestion is to sit down and try to estimate if you can afford a loan that you are applying for before receiving the reply from the lenders or better before applying at all. There are two main reasons for that. First if your diligence proves that you can not afford the loan then applying for it is simply a waste of time not to mention the implications to your credit report as any application will involve credit report checks which having to many of can decrease your credit history score.

The second reason is more psychological. If you get approved by a lender and then sit down to check if you can afford the loan you might end up not being honest to yourself of cut corners since the approval might be a good enough justification for you to go ahead with the loan. This is not intentional but just the wait we tend to behave. To prevent that possibility it is best that you first make your decision as to the loan affordability before a third party lender pushes you to the wrong conclusion.

So how can you tell if a loan is affordable by you or not? To make a complete financial accurate assessment would take a long time. It is best to focus on some simple rules and considerations. For example estimate the monthly payment on the loan and compare it to the residual income that is available now. It is not enough for the payment to be less than the current residual income. You should try to write down a list of bad things that can happen and see if in those cases you have a way out from the loan or enough slack to continue making payments until the bad things are remedies.

For example you should have enough savings to pay for at least 6 months of payments in case you lost your job with the assumption that in 6 months you should be able to find a new job. You should make sure that after making payments you will still have some residual income to continue saving and for unexpected expenses. Another consideration is the total amount of the loan and the collateral that you take against it. Never risk your life savings or 401K or other pension tools to borrow money. Borrowing to buy a home or a car should use the home or the car as collateral. Taking a loan to buy luxury or leisure products should never be done against savings or other money that is for use in the future.

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Think about retirement while you are young

2009-05-12T08:28:00.000-07:00

Retirement is a big deal for all of us although most people only remember to deal and plan for it when they are getting too close to their retirement age. Planning your retirement when young is not just smart it is crucial to successful retirement.

Retirement for most of us is something that will happen long in the future. At the age of 60 or 65 we will stop going to work and start living our free life. The problem with stop going to work is however that that monthly paycheck that we use for everything from food to paying for our car and home will also stop. This makes retirement a challenge. How do you pay for everything that you do during your retirement?

Most people ignore the retirement financial question until it can be too late. The simple answer to how you pay for your retirement is by saving money all your life and then using that money when you retire. It is common sense that the earlier you start saving the more money you can save until you hit retirement. For many that saving is in the form of a retirement 401K plan but there are many other options for how to save your money.

Saving money is not enough. If you would just put your money in a market money account and let it sit there until retirement you would probably have it lose its value quite a bit over those many years. So saving money must be combined with investing the money. Investment is not risk free though. In general it is common for younger people to invest more aggressively in the stock market as in the long run the stock market has always been the best avenue for financial growth. The older people get though the closer they are to their retirement and the less aggressive they should be.

The goals of retirement investment should change from growth to maintaining your money value. In early days when retirement is far away being more aggressive with your investments trying to optimize growth and gains is a smart thing to do. As you getting closer and closer to retirement moving a larger and larger portion of your savings toward safer financial instruments that do not provide high gains but can keep the money value with relatively low or no risk at all is the way to go.

When you eventually reach that retirement phase of life you should have completely all of your savings put in risk free value keeping financial instruments. During retirement you should not invest for growth or risk your money. Remember as opposed to when you were young if you lose money during your retirement years you have no real way to make it again and replenish that broken saving account.

Saving for retirement also allow for some tax benefits as the government would like to encourage such savings. For example 401K retirement plans as well as some other IRA retirement account plans allow for deferred taxes letting you save and invest your pre tax money for maximum benefits.

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Credit cards not the best tool for getting credit

2009-05-11T08:26:00.000-07:00

Credit cards are convenient and easy to use tools for making payments. However although the name credit card suggests that their main purpose is to provide credit reality is that they are one of the worst tools to use for credit.

Credit cards have that elusive Credit word in their names. Many consumers confuse the name for meaning a tool for providing credit. Although credit cards can provide significant amount of credit and debt to consumers they are not the best or the cheapest way to get such credit. The Credit portion of the credit card can be construed in two ways. One is as a way to get short term less than a month credit. You use the card to make payments and then at the end of the month you pay off the card basically utilizing a less than a month credit line. The other one is as a way to get long term credit. You use the card to make payments and at the end of the month you make a partial pay off payment thus rolling some debt into the next month and so on which in effect translates to a longer than a month debt or credit.

There is a merit to using credit cards but there is no merit for using credit card as a long term credit or debt tool. Credit card debt is almost always expensive. Even if your credit card company promises zero percent for a short time the truth is that most likely some fine prints rule will make you exempt from that zero percent promotion. Credit cards usually carry a high interest rate than any other debt tool like a loan from your bank or equity line on your home. Credit cards are also random credit tools many consumers spend on their card more than they can pay and end up finding themselves in debt they did not really plan for.

Credit cards have many good qualities too. They are convenient payment tools no need to carry lots of cash and handle change all the time. They are also a great liability control tool. If you buy a product that is faulty and the store refuses to take it back or to handle your claim you can dispute the charge on the card and the credit card will give you the money back. They are also great tools for making safe online purchases which is a more and more common way for consumers to buy stuff these days.

Credit cards should be used carefully and diligently. Make sure that you track how much money you put on the card during the month and always have a budget for how much you can spend. This will ensure that you do not end up over charging the card and then being forced to use the card credit tool because you have no money to pay the card off. Also always check your month end statement for wrong charges or for fraud. And lastly remember to track your card rewards and other perks. Some cards for example allow you to get frequent miles for every dollar you spend while others provide different types of gifts and incentives.

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Makes Business Easy through Export and Import Directory

2009-05-10T08:26:00.000-07:00

Now a days, Import and export business world is constantly on the rise in an amazing way in Indian market and across the globe. It’s quite for trade markets with inclusive directory which assist them. Dealers and traders can do huge business in India because it is extremely populated country. The possibilities are never ending for export business here. Even possibility of small hotels, cottage and small scale industries are also good. India is known for its spices and such spices are in great demand in the foreign countries.

Chemical and Internet business are also of good quality compare to other nations. Most US companies outsource their business to India because of its man and brain power. Automobiles, Gold jewelry production, dresses, dress raw materials, machinery, clothing business are also in huge demand. Apart from this, India is biggest hub for pharmaceutical industry.

Really, Export and import directory helps to make world very small. Nowadays, people can buy OR sell anytime anywhere just using internet through online trading systems. Import and export business can start anybody who has guts. A very few companies are that they’ll transport you small quantities items without having to so through custom sample order. People can do all kind of deals to buyer or sellers for their particular products online.
You can get any product information through Email. You can get information speedily compare to anything else. You can direct contact buyer or seller for negotiations if you are looking for long term business or some regular products which are highly demand in your area. Make sure that you have to send them invoice before send money because there are also lots of fraud working on internet. Get all the details information about company which you are going to do business.
Internet has made exporting goods to the small retailers very easy. Even a decade ago, exporting goods to small retailers was an up hill task. The suppliers would be faced with innumerable problems such as difficulty in accepting small payments, expensive communication and lack of information.

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Thoughts about using credit card debt

2009-05-09T08:24:00.000-07:00

Credit cards can be used in order to obtain debt. Many consumers hold credit cards with ten of thousands of credit available on them. A short swipe and you can spend lots of money which you will have to pay slowly in the future.

But taking credit on your credit card is not the best choice. There are many reasons why credit cards debt is bad but the first and foremost one is a very simple and straightforward reason. Credit cards debt is simply expensive. In fact credit cards are probably the most expensive form of debt available while ironically they are probably also the most easier debt to obtain.

Credit card debt can be used for any purchase. The money is there available for spontaneous purchases. Many credit cards are happy with consumers spending more on their credit cards than they can afford. The fact that at the end of the month you can not pay off your credit card bill is actually a very good thing for the credit card companies as they are happy to collect the interest on your debt. The credit cards companies are trying to maximize their profits the best credit card customer is a customer that each months pays the minimum required payment and the required financing interest on his credit card debt. The best customer would also eventually pay off his debt.

The credit cards are taking some risk in providing such easy debt as some customers will eventually default and will not be able to pay off their debt. Although rare this does happen. The reason why this is rare is that many consumers are somehow scared to default their credit card bill. Many times such consumers would prefer to take an equity line on their home or some other debt in order to pay off their credit card debt. One of the reasons of course is the fact that credit card dent is more expensive than any other debt which makes sense paying it off by taking a cheaper debt somewhere else.

Credit cards are great tools they provide an easier way to make purchases and also safety and security. Bad products purchases can be disputed liability when using credit cards is limited and of course Internet based commerce can only be effectively done with credit cards. Without credit cards Internet commerce would be basically zero. Credit cards are also a debt tool but that debt tool is really more of a trap than a good thing for consumers. It is a trap because it is so easy to get and use that debt. It is a trap because the interest on that debt is ridiculously high. It is a trap because many consumers take this debt unconsciously because of the ease of use they end up using their credit card more than they can afford to.

Using a credit card is something that can not be avoided these days of age. Reverting to a cash based society is impossible. But there is no reason why consumers would not be more educated about using their credit cards. Especially these days with online credit card access consumers can track their credit card usage on a daily basis to make sure they do not charge too much on the card just to find out at the end of the month that they can not pay off their statement. Some online credit card tools can also provide with alerts for when the debt on the card reaches a certain limit.

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Money is a product like any other product

2009-05-08T08:23:00.000-07:00

Many people do not realize it but money is a product like many others products. It has a supply and demand and it has a cost. For many this sounds just impossible but a few examples would explain how that is true.

Money is a product every finance expert would tell you that or maybe you have heard that if you took some finance classes in the university. Products have supply which defines how much of the product is available in the market. Products have demand with attributes how much of the product is in demand in the market. And products have a price which indicates how much money it costs to get the product. In the case of money the price of the product is the product itself which can look weird and not intuitive to many.

Money has a supply. The supply of many is the amount of money that is available to the market. Usually the supply of money is controlled by the central bank or in the United States by what is known as the Fed which is actually the Federal Reserve which is the United States central bank. How is money supply being controlled? The simplest form is by controlling how much money is printed and infused to the market. The money we all use in notes or coins forms has to come from somewhere. The manufacturer of the money of you will controls how much money is manufactured or to be more accurate printed and minted. The supply of money is more complex than simple controlling how much money is printed. The supply of money is also controlled by the central bank using its reserve to release money to the market or to buy money back from the market. It is also controlled by the central bank providing bonds and other tools to the market allowing the market to borrow money from the central bank.

Money has a demand. Sounds weird? True that you could claim that money should have an infinite demand. We all want money and if we could get it for free we would get as much as we could of it. But since money has a price associated with it the demand for money is actually not infinite and depends on the money cost. At a cost of zero the money supplier which is the central bank would not sell any money to the market. At a cost that is too expensive or in other words if buying money cost more than you could profit from that money than the market would have no demand for it. If the price of money is anything in between than there would be a certain amount of demand and certain amount of supply.

Money has a price. The price of money is the cost of getting money. Since nobody will be willing to give money for less than its face value the price of money is always more than the money face value. The price of money is also known as interest. A money supplier would sell its money for terms that usually include two portions. One the buyer promises to give back the money after it used it for a certain amount of time. Second the buyer also promises to pay some interest either on a monthly basis or when returning the money to the seller. The price of money needs to make sense and like any other product it is where demand meets supply. Consumers and business would buy money if they can in return invest it to make more than the interest or have some other benefit that is worth the interest they have to pay. Banks would sell money at an interest that makes sense for them and if they have no other more profitable investment venue.

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Some random thoughts about consumer credit and debt

2009-05-07T08:18:00.000-07:00

There are a few ways in which consumers can obtain debt. Usually debt is needed in order to make a specific payment of buy a specific product or item. In other times debt is more generic as consumers are in need for cash for many smaller purchases or just to run their daily life.

The most common product specific debts that almost all American consumers end up accumulating at one point of their life are mortgage debt to buy a house car loans to buy a car and college loans to pay for their education tuition. Some less common debt tools used by a smaller number of people are lines of credits that allow consumers a certain amount of debt money they can cash out at any time for any use.

Product specific debts are usually easy to get assuming that you have a descent credit history and credit score. If you did not go through bankruptcy in the last seven years and were not delinquent more than once on your bills then you are most likely to easily be approved for a product specific debt. The debt terms might vary the main one being the interest rate on the debt according to high good your credit history is but the debt itself should be obtainable. When applying for debt some lenders would want to see you putting some cash toward the purchase. Most commonly seen in home buying debt also known as a mortgage is lenders looking to see the loaner putting a certain cash down payment on the house usually between twenty to thirty percent. The same is true when buying a car though usually getting a car without putting any cash is possible.

Another commonly used form of debt is credit card debt. Many consumers use their credit cards for temporary short term debt to bridge between periods of low cash flow. For example credit cards are used to make purchases while not having hard cash for example when waiting for your next pay check. Credit card debt however can be dangerous as it is very easy to end up accumulating credit card debt without realizing it just to find yourself not being able to pay off the credit card statement for a long time. Credit card debt is one of the most expensive forms of debts with credit cards companies charging a hefty interest rate on owed funds.

The Line of Credit is a less used for of debt. Lines of credit are more known and used in the business world although they are widely available for consumes too. A line of credit is a general debt. It is called a line of credit and not simply a loan since applying for debt and actually realizing it by asking for cash happen in two different times. With lines of credit a consumer can ask the bank to provide him with an option to get debt up to a certain limit and for a certain period of time. The banks would run the credit checks at the time of the applications. If approved the line of credit will have interest terms and a period set by the bank. For example the line of credit can be valid for one year meaning during that year at any time the consumer can call the bank asking to realize cash from that line of credit without any need for more credit checks or in many cases without the bank being able to refuse such a request.

By : blane.house1380
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Getting A Mortgage For A Manufactured House

2009-05-06T08:16:00.000-07:00

If you're thinking about purchasing a manufactured house and you're worrying about the mortgage options for these kind if homes, you can breathe easy. Most lenders treat a manufactured house the same as a 'normal' house and therefore, you will have the same mortgage options available.

When looking for a loan, there are a lot of places to look. You can try your local bank, or go online and search for rates. Maybe you already have a trusted advisor in this area. If so, ask him or her for advice on your mortgage.

When looking for a manufactured home loan, there are a few steps you can take. When you do your comparing online, ask for multiple quotes. This way, you get a few different interest rates and loan varieties to choose from.

You will probably get a call from some of the mortgage companies when you've submitted requests for a few quotes online. The mortgage companies will ask you for some more data in order to provide a more accurate quote.

When you have received a quote that you're happy with, you print it out, sign it and send it to the mortgage company. They will tell you what other paperwork you will have to send. Make sure that there's a deadline on the quote, so the builder of your manufactured home gets the money on the right date. After that, everything goes automatically.

By : JohnGraystew
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How does debt grow the economy?

2009-05-05T08:15:00.000-07:00

For some consumers good credit comes naturally. Paying bills on time and not getting into unaffordable debt is their second nature. But for many other consumers bad credit is a chronic problem that takes a lot of attention and care to cure.

Credit scores and credit history are very important in our current economical environment. The United States economy as well as many other western countries is based on the ability of individuals and businesses to get loans or in other words to have debt. By utilizing debt tools Through debt the business can grow and individuals can build wealth and assets.

If you are not sure how debt can help grow the economy and also help grow individual wealth maybe some examples would help. Lets first look at a business that would like to grow. In order to grow businesses need to invest. Investments is basically the building of assets and acquiring of resources that when used in the course of the business creates more revenues than their investment cost. In order to invest a business needs cash. A typical business can get cash in two ways. One is to use its own cash reserves. The other is to borrow money from a bank or other investors.

Businesses that are rich in cash can opt for the first option however most businesses would need to wait a significant amount of time to accumulate the cash they need to make the necessary investment in many times waiting too long and losing the potential market initiative. Borrowing money is a fast an efficient way for a business to make fast investment. By relying on the current business cash flows and credit history a bank or other investors would provide the business with the necessary cash to make the investment. The business would then invest and by doing so would create more jobs resources and assets. If successful the business would compensate the lenders by paying an interest on the loan and also sometimes providing the lender with some equity stake.

For individual creating wealth is usually associated with investing in some assets too. The most common asset is a home. Similar to the business if an individual would have to wait until he or she saved enough cash to buy a home they would most likely end up buying the home at their retirement age losing many years of potential home price appreciation. By taking a loan also known as a mortgage on their home individuals can buy a house at an early stage with the downside of paying an interest on the money they borrowed. The assumption behind such wealth building is that home appreciation averaged over the course of many years would be higher than the interest on the mortgage.

Debt however can also result in the opposite of growth and wealth. Irresponsible borrowing results in loan defaults or in other words in the inability to return the money to the lenders. In a normal situation some borrowers are expected to default. After all not all business investments succeed and not all individual purchases appreciate as expected. But in a normal situation the lenders make sure they have enough collateral to collect the debt or some of it in case of a default. In a normal state the defaults are also relatively low and thus overall most debt taken and invested is profitable. If too many loans default and there is too much money that lenders have to write off as a result of debt being not collectible the economy can actually shrink as those write offs delete a large number of assets from the economy in extreme cases more than the overall successful investments value.

By : blane.house1380
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Credit card has some drawbacks to cash

2009-05-04T08:12:00.000-07:00

Credit cards are wonderful financial tools. They provide comfort and ease of use when purchasing goods. They provide a peace of mind and liability protection. But credit cards can also be a dangerous vicious tool when not used correctly.

Credit card debt is a big problem in the United States. There is something magical about the ability to go to a store find a product that you would like to purchase and then go to the cashier and be able to walk away from the store with that product by online swiping and plastic card and signing a small piece of paper. Using credit cards can be too easy which can be risky as consumers lose touch with money and with how much they really spend.

The problem with credit card being too easy is that in contradiction to cash which as a tangible feel a credit cards does not. An example would illustrate it. Lets say that you are at a store and would like to buy a product that costs four hundred dollars. If you were to pay in cash you would see in a very visible way the about of money you paid. You will have to count twenty dollar bills and would see how they pile up. This will in turn give you a better understanding and a better feel of how expensive that product is. There are many more bills to count and there are many more notes on the table when buying a four hundred product as opposed to a twenty dollar product.

With credit card this ability to visualize the cost of a product is lost. Regardless of the cost of the product the process is always the same and always takes the same time and requires the same tangible elements. The process is simple the credit card is swiped on a special payment terminal. The terminal then prints a slip on which you have to sign. Once the slip is signed the deal is closed and the charge is put on your card. The only difference between buying a four hundred dollar product and a twenty dollar product is the number printed on the slip which has no tangible visualization.

Using cash allows people to get a feeling of how fast they fun out of money. If you have five hundred dollars in your pocket and you buy a four hundred pocket it is very visual that you are left with not much. For most of us being able to estimate the sum of many small charges on our credit card is very hard. Ask most consumers when they get their credit card monthly statement if they can guess what would the total be and most of them would guess wrong usually assuming it is much less than what it really is.

The first step to solving this problem is awareness. Consumers that are aware of that problem can do many things. They can combine using credit cards when they are really needed and cash in all other times. They can also make sure to login to their credit card online account to see live updated list of charges on their card and the total thus constantly being aware of how many charges they are accumulating on the card.

By : blane.house1380
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Online small business strategies that can make a difference

2009-05-03T08:11:00.000-07:00

Small businesses are struggling especially in these hard economical days. In order to stand out and attract more business small businesses need to be creative in their marketing efforts and in improving their efficiency and reducing their cost.

The credit crunch and the economical crisis call for companies to be creative and original in order to be able to ride this turndown and survive into better days. Companies should focus their efforts in two venues. One is preserving cash by improving efficiency and reducing cost. The other is by attracting new customers and increasing or at least maintaining their revenue stream.

The Internet provides a good platform for small businesses to utilize during the economic turndown. The Internet is the perfect venue for high efficiency and cost reduction. The Internet can also be a very useful tool when trying to attract new customers. Operating costs can be lowered by using automation and utilizing many of the free online services. For example lets look at a small business that needs to maintain email connectivity.

One way is to host its own Exchange or other email server. While this option might provide some higher security and flexibility it is also much more expensive that other alternatives. The server and hosting cost together with some IT services needed to maintain the mail server and some other services needed in order to back it up can add up to a significant expense. Instead of hosting its own email server a business can use one of many Software as a Service options. Using this model the business pays a small monthly fee for each mailbox it uses. Another even cheaper option is to use one of the free email services like Hotmail Yahoo or Gmail. If you want an email at your own domain you can pay a very small fee while still using a free service.

While email is just one example there are many other options for online cost savings. But while saving expenses can help a company maintain its cash reserves attracting new customer and maintaining current customer is crucial to maintaining or even increasing the company revenue stream. The Internet is an efficient promotional and marketing tool. For example acquiring new customers can be done in a cost effective and easy while by using one of the many online advertisement services such as Google Adwords. A company can set the customer acquisition cost that is still profitable and try to win keywords that best convert to paying customer at that cost.

The Internet is also a good and low cost tool for keeping in touch and maintaining current customers. Churn prevention is important as many consumers have less money to spend and are less active in looking for products to buy. Maintaining a good customer relationship management can also be done practically free using online tools. Keeping updated information about the company customers such as their address telephone number and email address is crucial to the company success. For example by sending a weekly or monthly newsletter to your customers you can keep their awareness about the company offerings and provide them with discounts and other incentives to keep using the company services or buying its products.

By : blane.house1380
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Standard Forex Terms

2009-04-28T02:49:00.000-07:00

Base currency:The base currency is the first currency in a currency pair, and the currency that remains constant when determining a currency pair's price. The United States Dollar (USD) and the European Union Euro(EUR) are the dominant base currencies in terms of daily traded volume in the foreign exchange market. The British Pound (GBP), also called sterling or cable, is the third ranking base currency. The USD based pairs are USD/JPY, USD/CHF and USD/CAD; the Euro based pairs are EUR/USD, EUR/JPY, EUR/GBP, and EUR/CHF. The GBP is the base for GBP/USD and GBP/JPY. The Australian Dollar (AUD) is its own base against the USD (AUD/USD).

Basis: The difference between the spot price and the futures price.

Basis point: One hundredth of a percentage point.

Bid /Ask Spread: The difference between the bid and offer (ask) prices; also known as a two-way price.

Cable: Trader term for the British Pound Sterling referring to the Sterling/US Dollar exchange rate. Term began due to the fact that the rate was originally transmitted via a transatlantic cable starting in the mid 1800's.

Central bank: The principal monetary authority of a nation, controlled by the national government. It is responsible for issuing currency, setting monetary policy, interest rates, exchange rate policy and the regulation and supervision of the private banking sector. The Federal Reserve is the central bank of the United States. Others include the European Central Bank, Bank of England, and the Bank of Japan.

Conversion: The process by which an asset or liability denominated in one currency is exchanged for an asset or liability denominated in another currency.

Cross rates: An exchange rate between two currencies. The cross rate is said to be non-standard in the country where the currency pair is quoted. For example, in the US , a GBP/CHF quote would be considered a cross rate, whereas in the UK or Switzerland it would be one of the primary currency pairs traded.

Currency: A country's unit of exchange issued by their government or central bank whose value is the basis for trade.

Currency (exchange rate) risk: The risk of incurring losses resulting from an adverse change in exchange rates.

Devaluation: Lowering of the value of a country's currency relative to the currencies of other nations. When a nation devalues its currency, the goods it imports become more expensive, while its exports become less expensive abroad and thus more competitive.

Drawdown: The magnitude of a decline in account value, either in percentage or dollar terms, as measured from peak to subsequent trough. For example, if a trader's account increased in value from $10,000 to $20,000, then dropped to $15,000, then increased again to $25,000, that trader would have had a maximum drawdown of $5000 (incurred when the account declined from $20,000 to $15,000) even though that trader's account was never in a loss position from inception.

End of day (mark to market): Mark-to-market values a trader's open position at the end of each working day using the closing market rates or revaluation rates. Generally the revaluation rates are market rates at 5pm EST time. Any profit or loss is booked and the trader will start the next day with the position valued at the prior day's closing rate.

Euro: The currency of the European Monetary Union (EMU), which replaced the European Currency Unit (ECU). The countries currently participating in the EMU are Germany, France, Belgium, Luxembourg, Austria, Finland, Ireland, the Netherlands, Greece, Italy, and Spain.

Exchange rate: The price of one currency stated in terms of another currency. Example: $1 Canadian Dollar (CDN) = $0.7700 US Dollar (USD)

Fixed exchange rate: A country's decision to tie the value of its currency to another country's currency, gold (or another commodity) , or a basket of currencies . In practice, even fixed exchange rates fluctuate between definite upper and lower bands, leading to intervention.

Foreign exchange (Forex): The simultaneous buying of one currency and selling of another in an over-the-counter market.

G-7: The seven leading industrial countries, being the United States, Germany, Japan, France, Britain, Canada, and Italy.

G-10: G7 plus Belgium , Netherlands and Sweden , a group associated with the IMF discussions. Switzerland is sometimes involved.

G-20: A group composed of the Finance Ministers and central bankers of the following 20 countries: Argentina , Australia , Brazil , Canada , China , France , Germany , India , Indonesia , Italy , Japan , Mexico , Russia , Saudi Arabia , South Africa , South Korea , Turkey , the United Kingdom , the United States and the European Union. The IMF and the World Bank also participate. The G-20 was set up to respond to the financial turmoil of 1997-99 through the development of policies that “promote international financial stability”.

Hedge fund: A private, unregulated investment fund for wealthy investors (minimum investments typically begin at US$1 million) specializing in high risk, short-term speculation on bonds, currencies, stock options and derivatives.

Hedging: A strategy designed to reduce investment risk. Its purpose is to reduce the volatility of a portfolio by investing in alternative instruments that offset the risk in the primary portfolio.

London Inter-Bank Offer Rate or LIBOR: The standard for the interest rate that banks charge each other for loans (usually in Eurodollars ). This rate is applicable to the short-term international interbank deposit market, and applies to very large loans borrowed from one day to five years. This market allows banks with liquidity requirements to borrow quickly from other banks with surpluses, enabling banks to avoid holding excessively large amounts of their asset base as liquid assets. The LIBOR is officially fixed once a day by a small group of large London banks, but the rate changes throughout the day.

Leverage: The degree to which an investor or business is utilizing borrowed money. The amount, expressed as a multiple, by which the notional amount traded exceeds the margin required to trade. For example, if the notional amount traded is $100,000 dollars and the required margin is $2000, the trader can trade with 50 times leverage ($100,000/$2000). For investors, leverage means buying on margin to enhance return on value without increasing investment. Leveraged investing can be extremely risky because you can lose not only your money, but the money you borrowed as well.

Liquidity: The ability of a market to accept large transactions. A function of volume and activity in a market. It is the efficiency and cost effectiveness with which positions can be traded and orders executed. A more liquid market will provide more frequent price quotes at a smaller bid/ask spread.

Long: A position purchasing a particular currency against another currency, anticipating that the value of the purchased currency will appreciate against the second currency.

Margin: Funds that customers must deposit as collateral to cover any potential losses from adverse movements in prices.

Margin Call: A requirement for additional funds or other collateral, from a broker or dealer, to increase margin to a necessary level to guarantee performance on a position that has moved against the customer.

Market Maker: A dealer that supplies prices, and is prepared to buy and sell at those bid and ask prices. All CFTC registered FCMs are market makers.

Pip (tick): The term used in currency markets to represent the smallest incremental move an exchange rate can make. Depending on context, normally one basis point (0.0001 in the case of EUR/USD, GBD/USD, USD/CHF and .01 in the case of USD/JPY).

Position: A view expressed by a trader through the buying or selling of currencies, and can also refer to the amount of currency either owned or owed by an investor.

Premium (cost of carry): The cost or benefit associated with carrying an open position from one day to the next calculated by using the differential in short-term interest rates between the two currencies in the currency pair.

Revaluation: An increase in the foreign exchange value of a currency that is pegged to other currencies or gold.

Revaluation rates: The rate for any period or currency, which is used to revalue a position or book. The revaluation rates are the market rates used when a trader runs an end-of-day to establish profit and loss for the day.

Rollover: The settlement of a deal is rolled forward to another value date with the cost of this process based on the interest rate differential of the two currencies. An overnight swap, specifically the next business day against the following business day.

Short: To sell a currency without actually owning it, and to hold a short position with expectations that the price will decrease so that it can be bought back at a later time at a profit.

Spread: The difference between the bid and offer (ask) prices of a currency; used to measure market liquidity. Narrower spreads usually signify high liquidity.

Spot Price: Current market price. Settlement of spot transactions normally occurs within two business days.

Swaps: A foreign exchange swap is a trade that combines both a spot and a forward transaction into one deal, or two forward trades with different maturity dates.

Uptick: A new price quote that is higher than the preceding quote for the same currency

Types of Foreign Exchange Orders

2009-04-27T02:48:00.000-07:00

Types of Foreign Exchange Orders

Entry Orders: An order, stop or limit, initiating an open position and executed when a specific price level is reached and/or broken. The execution is handled by the dealing desk and the order is in effect until cancelled by the client.

Entry Limit Orders: An order initiating an open position to sell as the market rises, or buy as the market falls. The client believes the market will reverse direction at the level of the order.

Entry Stop Orders: An order initiating an open position to sell as the market falls, or buy as the market rises. The client placing the order believes that prices will continue to move in the same direction as the previous momentum after hitting the order level.

Limit Orders: A limit order is an order tied to a specific position for the purpose of locking in the gains from that position. A limit entry order placed on a buy position is an order to sell. A limit order placed on a sell position is an order to buy. A limit order remains in effect until the position is liquidated or cancelled by the client.

Market Order: An order to buy or sell which is to be filled immediately at the prevailing currency price.

OCO (One Cancels the Other): A stop-loss order and a limit order linked to a specific position. One order, the stop, is to prevent additional loss on the position, and one order, the limit is to take profit on the position. When either order is executed, closing the position, the other is automatically cancelled.

Stop-Loss Orders: An order linked to a specific position to close that position and prevent additional losses. A stop-loss order placed on a buy position is an order to sell that position. A stop-loss order on a sell position is an order to buy that position. A stop-loss order remains in effect until the position is liquidated or cancelled by the client.

Forex Calculation

2009-04-26T02:47:00.000-07:00

Forex Calculation

Although the trading platform automatically does the profit and loss calculation for you in real time, it is important to understand how these equations are derived.

Equations for calculating major currency pairs:

The equation for EUR/USD, GBP/USD, and AUD/USD [direct currency pairs] is as follows:

P / L = ( closing rate - opening rate ) x lot size x number of lots

The equation for USD/JPY, USD/CHF and USD/CAD [indirect currency pairs] is as follows:

P / L = ( closing rate - opening rate ) / closing rate x lot size x number of lots

In a 100,000 units/contract size account, 1 pip results $10 profit/loss in EUR/USD, GBP/USD, AUD/USD, approximately $9 in USD/JPY, and $8 in USD/CHF.

In a 10,000 units/contract size account, 1 pip results $1 profit/loss in EUR/USD, GBP/USD, AUD/USD, approximately $0.9 in USD/JPY, and $0.8 in USD/CHF.

NOTE: Buy = Long = Ask = Offer ; Sell = Short = Bid

Calculation Example:

The current bid/ask price for EUR/USD is 1.2322/1.2325, meaning to purchase every unit of Euro, you need 1.2325 units of U.S. dollar or sell every unit of Euro, you need 1.2322 units of U.S. dollar.

Let's assume that you decide the Euro is undervalued against U.S. dollar. To profit from your strategy, you would buy Euro (sell dollar) at 1.2325. Thus when the price of Euro rises, you would sell Euro (purchase U.S. dollar) for a profit.

You bought 100,000 units of Euro at 1.2325.

Some time later, EUR/USD price is at 1.2355/1.2358 just like you expected. So you decide to sell Euro (puchase U.S. dollar) or close your position for a profit.

In this senario, your profit is 1.2355 - 1.2325 = 30 pips.

Equation:
( 1.2355 [ closing rate ] - 1.2325 [ opening rate ] ) x 100,000 [ unit / lot ] x 1 [ lot ] = $300 [ profit ]

What is Pip/Point?
Pip (or point) is the term used in currency market to represent the smallest incremental move an exchange rate can make. Depending on context, normally one basis point (0.0001 in the case of EUR/USD, GBD/USD, USD/CHF and .01 in the case of USD/JPY).

What is Lot Size ?
Lot or Contract is the standard unit of trading on certain exchanges. For example : 10000 (mini account) or 100000 (standard account)

Utilizing Stop Loss Order

2009-04-25T02:46:00.000-07:00

Utilizing Stop Loss Order

A stop-loss is an order linked to a specific position for the purpose of closing that position and preventing the position from accruing additional losses. A stop-loss order placed on a Buy (or Long) position is a stop-loss order to Sell and close that position. A stop-loss order placed on a Sell (or Short) position is a stop-loss order to Buy and close that position. A stop-loss order remains in effect until the position is liquidated or the client cancels the stop-loss order. As an example, if an investor is Long (Buy) USD at 120.27, they might wish to put in a stop-loss order to Sell at 119.49, which would limit the loss on the position to the difference between the two rates (120.27-119.49) should the dollar depreciate below 119.49. A stop-loss would not be executed and the position would remain open until the market trades at the stop-loss level. Stop-loss orders are an essential tool for controlling your risk in currency trading.

Risk Management

2009-04-24T02:46:00.001-07:00

Risk Management

The Forex Market is the largest and most liquid financial market in the world. Since macroeconomic forces are one of the main drivers of the value of currencies in the global economy, currencies tend to have the most identifiable trend patterns. Therefore, the Forex market is a very attractive market for active traders, and presumably where they should be the most successful. However, success has been limited mainly for the following reasons:

Many traders come with false expectations of the profit potential, and lack the discipline required for trading. Short term trading is not an amateur's game and is not the way most people will achieve quick riches. Simply because Forex trading may seem exotic or less familiar then traditional markets (i.e. equities, futures, etc.), it does not mean that the rules of finance and simple logic are suspended. One cannot hope to make extraordinary gains without taking extraordinary risks, and that means suffering inconsistent trading performance that often leads to large losses. Trading currencies is not easy, and many traders with years of experience still incur periodic losses. One must realize that trading takes time to master and there are absolutely no short cuts to this process.

The most enticing aspect of trading Forex is the high degree of leverage used. Leverage seems very attractive to those who are expecting to turn small amounts of money into large amounts in a short period of time. However, leverage is a double-edged sword. Just because one lot ($10,000) of currency only requires $100 as a minimum margin deposit, it does not mean that a trader with $1,000 in his account should be easily able to trade 10 lots. One lot is $10,000 and should be treated as a $100,000 investment and not the $1000 put up as margin. Most traders analyze the charts correctly and place sensible trades, yet they tend to over leverage themselves (get in with a position that is too big for their portfolio), and as a consequence, often end up forced to exit a position at the wrong time.

For example, if your account value is $10,000 and you place a trade for 1 lot, you are in effect, leveraging yourself 10 to 1, which is a very significant level of leverage. Most professional money managers will leverage no more then 3 or 4 times. Trading in small increments with protective stops on your positions will allow one the opportunity to be successful in Forex trading.

Risk Warning

2009-04-24T02:42:00.000-07:00

Risk Warning

Trading foreign currencies is a challenging and potentially profitable opportunity for educated and experienced investors. However, before deciding to participate in the Forex market, you should carefully consider your investment objectives, level of experience and risk appetite. Most importantly, do not invest money you cannot afford to lose.

There is considerable exposure to risk in any foreign exchange transaction. Any transaction involving currencies involves risks including, but not limited to, the potential for changing political and/or economic conditions that may substantially affect the price or liquidity of a currency. Moreover, the leveraged nature of FX trading means that any market movement will have an effect on your deposited funds proportionally equal to the leverage factor. This may work against you as well as for you. The possibility exists that you could sustain a total loss of initial margin funds and be required to deposit additional funds to maintain your position. If you fail to meet any margin call within the time prescribed, your position will be liquidated and you will be responsible for any resulting losses. Investors may lower their exposure to risk by employing risk-reducing strategies such as 'stop-loss' or 'limit' orders.

There are also risks associated with utilizing an internet-based deal execution software application including, but not limited, to the failure of hardware and software and communications difficulties.

How does a faulty Forex dealer cheat your money?

2009-04-14T05:22:00.000-07:00

Forex market is a non-centralized market. There is no common market place for Forex traders and there is no so-call ‘standard’ in foreign currency exchange price. Different Forex dealers offer very different deals to their customers.

As an individual FX trader, you depends solely on the dealer to make a transaction in your trades, thus picking up the right dealer is extremely crucial in your risk.

You may wonder how does a faulty dealer can cheat on your money as all investment call have to go thru your decisions.

Well, here's a typical example:

Often a bad dealer is not totally scams.

They are smart persons that trick money from traders that are not well-aware. These dealers, often known as retail market makers, will often encourage their clients to trade on margin and set stop loss orders, which allow the market makers to close out trades almost at will during busy markets at prices they have set. If the market maker does not offset the trader's position, the loss generated when a stop loss is triggered becomes the market maker's gain.

Trade prices are easily skewed one way or the other depending on the retail trader's position, which is known by the market maker.

Traders can be encouraged to take risky positions just before major economic announcements. If all else fails, the market maker can quote extreme prices (known as spiking) to trigger stop loss orders while the client is at work or asleep.

The vast majority of retail FX traders are not profitable. For those losing retail speculators, much of the funds they had on deposit will be, in some form or another, transferred to the market maker.

Pick the best Forex broker if you value your money!

As you can see, a stop loss order may not always on your side.

Be very clear on who you are dealing with in Forex trading to avoid being cheated. In case you are worry about your money being cheated by dishonest FX broker, why not check out our FX brokers recommendation section and pick a reliable broker yourself!

Understanding the risks in Forex trading

2009-04-13T05:21:00.000-07:00

Forex: To trade, or not to trade? Many are reluctant to involve in Forex trading because of its ‘risks’. Generally speaking, there are risks everywhere in our life: Factories may malfunction, customer may not walk-in if you open a shop, stock market may crush, and if you are employed you may get fired during company downsizing. There are risks everywhere! The important issue here is how you learn and maintain your risk. So if you are considering participating in Forex market, you should learn managing the risk involved, instead of being terrified.

Picking up the right Forex dealer

One of the best methods to avoid unnecessary risks is avoid fraud dealer.

Forex is a special trading business with no centralized market. Thus, unlike regulated futures exchanges, there is no central market place for Forex buyers or sellers therefore the price offered by different Forex dealers may vary a lot. When you are trading in Forex market, you are totally relying on the dealer’s integrity for a fair deal.

Further more, you need to select a right Forex dealer to avoid scams. There may be Forex dealers that are not regulated legally and there maybe investment scams, especially on the Internet. Be very careful on who you are dealing with in Forex and always check cautiously on the investment offer.

Stop loss order

The Forex market could move against you. No one can predict with certainty which way exchange rates will go, and the Forex market is volatile. Fluctuations in the foreign exchange rate between the time you place the trade and the time you attempt to liquidate it will affect the price of your Forex contract and the potential profit and losses relating to it. To avoid losing all of your investment capital, you should have a pre-arrangement on your risk profile. A solid risk profile will limit the Forex dealer not to overtake risk that you cannot handle. For example, if you have 100,000 to invest, you can say that you are willing to risk 10,000 of that capital with the potential to gain another 100,000. This can be easily implemented by a fund manager, so your losses can be limited to 10% or 5% of invested capital.

Avoid too high margin trade

Another way to manage your risks well in Forex market is to trade without overleveraged. Forex dealers want you to trade with high leverage values as this means more spread income for them. Also, trading in high leverage may increase your profit or your losing. There are high possibilities that one lose money more than he or she can afford in margin trading.

Forex can be extraordinarily beneficial to a variety of people. It gives huge leverage rates, it gives incompatible liquidity to your money, it gives convenience to trade on the Internet, and it can definitely give you a lot of money if you trade smartly. Like any other trading business, if you are new to it, best advice you can get is to learn and practice more before you test your ‘wings’. Seminars, eBooks, Internet, papers, video courses – all these are handy to get yourself ready. You can also try out your skill on the demo account provided free. After all, Forex trades 24hours a day and there is always money to make in the market, so why not be patience until you are fully ready for it?

Diversification in Forex trading

Diversification is another way to manage risks in Forex market. Trading one currency pair will generate few entry signals. If you wish to lower your risk in Forex market, it would be better to diversify your trades between several currencies.

Try simultaneously trade on different pair of currency. Say you have capital of $1,000, instead of putting all your money to long EUR/USD, you can split the money half to long EUR/USD and GBD/USD ($500 each) as these two currencies are highly correlated and tends to move in the same directions.

Conclusion

Needless to say, knowledge is another key of handling your risks well. Before you get into Forex market, the best thing you should do is educate yourself. What drives currency price movement? How to read analysis data? How to read chart indicators? Learn detail about how currency price move and how to trade foreign currency exchange in order to avoid unnecessary risks.

You come to this article probably because of you are new to FOREX and were looking for some readings on the Internet. To be frank, Forex can be very profitable but the risk lie beneath is equally great. But what else in life does not involve risk? You can be fired from your job, factory may malfunctions, stock market may collapse, your boss may runaway with your wages, and hey! These are all risk. Learning in risk management is the key to handle your life.

Trade smartly, and gain the maximum out of Forex – good luck!

Training your Currency Trading skill for better exposure

2009-04-12T05:20:00.000-07:00

What is your confident level in forex trading?

Have you weaponed yourself before register into the market? Here is a trading tips that you can follow. When you see the EUR/USD market trend move to a dip bottoms, check the trend history, place the order with stop & limit as ratio 1:4. If its losing, add a position to average the signals.

This will be a good chance for you to maximize for your potential profit. However, What we want you to"consider" is the trading technique. Do you notice that there's something goes wrong with the tips above? Look again, what will be the correct way.

If you were fooled by our trick and did not notice the wrong strategy, you are not weaponed yourself and you need this training. Even if you noted the problem, you must have some reason for having this book in your hands. Perhaps you have had evidence in the past that you do not trade welll. It may be that your brokers have told you that your strategy does not help you make profit.

Forex Trading is booming!

Currency Trading has experienced phenomenal growth in recent years as many investors are looking for ways to profit from the lucrative 1.5 trillion currency trading marketplace. And author/professional trader Peter Bain is the ideal authority to help you understand and profit from this complex marketplace. His Forex Course teaches the same system used by banks, financial institutions and professional Forex traders alike to trade currencies on the foreign exchange. For the first time, Peter's making his "Commercial Forex Trading" system available to the public in the form of a video currency trading course. Peter Bain’s video course is a complete trading solution. Let Peter will show you the trading techniques used by the commercial institutions and banks.

To involve in FOREX trading, you must similarly prime your mind to get ideas flowing. The various ideas in your mind are stored in a hierarchical structure. Information is stored together in a group, depending on its meaning. It's hard to bring information about that topic into consciousness when you aren't thinking of a particular topic; it depends on their stagnant and hidden. When you put effort to think carefully about a specific topic, or a closely related topic, and start running througha bunch of possibilities, all kinds of new possibilities become transparent. Various concepts andideas, almost unconsciously are scan through your mind.

This wealth of information combines will create a new. For example, suppose you get an indefinite trading idea about how a set of indicatorsmay forecast the price of a particular stock. Once you get the basic idea in your mind, you can prime your mind to get the creative juices flowing.For instant, scan a set of charts to back test and find support for your hypothesis.

Once you look through the charts, you will prompt to other related information after seeing at the information. Yet the idea soon will leak out, and you'll make a new discovery as this is a basis for a new trading strategy.

The main point is that you must set your thinking processes to create a new idea. When you put on a trade, you have the attention to starts on focus, your senses are heightened, and your perspective will change until you see new ideas. The more ideas you will create new discoveries when the more your mind is active. It is helpful when knowing about the creative process and how to set it in motion gives you power. Unable to think creatively is the reason brings some people down.Actually they can, they just need to know how to do it.

To think creatively, it's vital to be relaxed and free of anxiety. It is also essential to prime your mind in order to start the process.When it’s the time to think of a new trading idea, think creatively. Processing the creative in motion may help you come up with a big idea that will make you huge profits.

As a FOREX trader, you must be able to calculate risk and taking losses, if can’t accept, better don’t trade. Risk means reward, you do like to accept volatility and risk cheerfully. Drawdowns are a part of trading; FOREX trading fun and highly profitable because of the volatile markets. As you become the well-informed FOREX trader, a drawdown is not something to fear, but something to enjoy. Volatility makes a big opportunity!

Where to start learning Forex?

Well, if you're new to all these FX stuffs, you might want to learn A - Z facts and how to start making money in Forex market. Start your Forex learning at our Forex 101 Classroom. Trust us, you don't want to miss the class - after all, you can make so much from FX trading and you don't even need to pay a cent for all the free courses we prepared here.

What beginners need to know about Forex trading?

2009-04-11T05:19:00.000-07:00

Being new to FOREX trading? Don’t worry, getting started in FOREX trading is easy and you can always test your skills first in a demo account before you go ‘live’ with real money.

To get started in FOREX trading, we have to get to know what FOREX is. FOREX trading involves buying and selling the different currencies of the world. Buying one currency and selling another at the same time make a FOREX deal.

FOREX market is the largest trading market in the world. It yields an average turnover of $1.9 trillion daily and the figure is nearly 30 times larger than the total volume of equity trades in United States.

Starting in FOREX trading

To start trading on FOREX, one must first learn how to read FOREX quotes. Foreign exchange quotes are always listed in pairs (e.g. USD/JPY 109.2): the first listed currency is known as the base currency with a constant value of 1 unit; while the currency listed in the second is known as counter. In our given example, USD/JPY 109.2 means a dollar of United States Dollar is equal to 109.2 Japanese Yen. In other words, the quote shows the relative value of one currency compare to the other. It means the value USD had been increased when USD/JPY quote goes up

However, a two-sided quote (e.g. EUR/USD 1.2435/1.2440) consisting of a 'bid' and ‘ask’ is often seen. The ‘bid’ price is the price at which you can sell the base currency; while the ‘ask’ price is where you can buy the base currency. The different of ‘bid & ask’ price is commonly known as ‘spread’. In the example of EUR/USD 1.2435/1.2440, this means you can buy 1 Euro Dollar with 1.2440 USD or sell 1 Euro 1.2435. Currency brokers make their profit through these differences of ‘bid & ask’ price and this is how they manage to provide their services to individual investors without charging them commission fees.

If you are new to trading it makes sense to deal in the more popular currencies. There are two main reasons for this. Firstly you do not want to be left with a currency where there is little interest and you may have difficulty selling. Secondly the spread between the bid/ask prices is likely to be narrower, making it easier to make a profit.

Major currency traded in FOREX market

There are seven major currencies, the US dollar (USD), Euro (EUR), Japanese yen (JPY) British pound (GBP), Swiss Franc (CHF) Canadian dollar (CAD) and Australian dollar (AUD). The US dollar is the most traded currency followed by the Euro and the Yen. The Euro is the relatively new currency of the European Union although some member states, including the UK, have not changed their currency. Also, if you live in a country using one of the major currencies, when you first start trading it makes sense to begin with that currency. Not only are you familiar and comfortable with the currency, but you are in a better position to judge its strength. The internet has a wealth of information on the financial climate of a country, but if you live there you have access to all newspaper content, as well being in the unique position of experiencing first hand changes at the consumer level.

Major players in FOREX market

Although FOREX trading involves such a big volume of trades nowadays, it is not made available for the publics until year 1998. In the past, the FOREX market was not offered to small speculators or individual traders due to the large minimum business sizes and extremely strict financial requirements. At that time, only banks, big multi-national cooperation and major currency dealers were able to take advantage of the currency exchange market's extraordinary liquidity and strong trending nature of world's main currency exchange rates.

In late 90s, FOREX brokers are allowed to break huge sized inter-bank units into smaller units and offer these units to individual traders like you and me. As a fact in FOREX trading, FOREX is mainly traded in large international bank. According to Wall Street Journal Europe, 73% of the trade volume is covered by the major ten. Deutsche Bank, topping the table, had covered 17% of the total currency trades; followed by UBS in the second and Citi Group in third; taking 12.5% and 7.5% of the market. Other large financial cooperation in the list is HSBC, Barclays, Merril Lynch, J. P. Morgan Chase, Coldman Sachs, ABN Amro, and Morgan Stanley.

Why should I do FOREX business?

Main Question raised in your mind might be: Why should you trade FOREX? There are lots of reasons why you should involve in FOREX trading. FOREX market is truly a global market where it opens 24 hours a day through out the whole week (weekends excluded). With the ease of Internet access, transaction in FOREX can be done in anytime regardless on your location. This gives you the convenience to work on any time, anywhere – which in turns gives you the freedom you cannot have in investing other kind of trading.

More over, trading in FOREX gives you an equal prospective in rising and falling market. As trades are always done in pair of currency pairs, FOREX traders can always find chance to make money in anytime, regardless on the fall or rise period of one single country currency. Also, FOREX trading offers incredibly high leverage rates to the traders. By trading currency in margin up to 200 to 1, you can start off your FOREX trade with minimum capital and huge ROI.

Conclusion

With the flexibility you can get in foreign currency exchange market, FOREX trading suits perfectly into most people investment plans. Like with any new form of trading you need to know what you are doing, especially as there is margin involved. If you are new to FOREX, take all the time you need to learn this new trading skill well -- practice everything you learn with a demo account before you consider going 'live' with your own money.

Forex Beginners 'Must-Do'

2009-04-10T05:18:00.000-07:00

It is believe that more than 50% of Forex traders are losing money long term in the foreign currency exchange market. Yet, there are still a lot of Forex traders jump in to the market, trade blindly and lost their money.

Trade after trade, its surprising to see that 'normally-losing' traders keep betting (not investing!) their money into Forex market without reviewing their trading strategy. No matter you are the experienced or the beginners, there are certain 'must-do' when trading Forex to manage the risk wisely and to increase your possibilities in making profits.

'Must-Do 1': Invest in your brain first

If you are serious about investing in Forex market, building up your trading skills and knowledge is the very first step that you must take. Seminars, workshops, video tutorials, online learning, or even books are handful to help us learn from the professional.

Learn to implement technical charting into your trades; learn using indicators to determine the right time to enter/exit the market; brush up your experience by trading with a demo account… all these are effective to ensure your smooth starts and it will definitely reduce your chances of losing money.

Recommended Forex trading course

'Must-Do 2': Getting the right trading system

It is wise to research very well and consider all the various brokers' system available to you before making your choice. By applying certain level of computer automations (such like charting and doing auto trades), trading; a well-designed trading system will reduce your work dramatically. This in turns give you more time to focus on studying the market and plotting your strategy. Also, using auto-trading system will avoid you from doing emotional-trades.

Recommended Forex trading tool

'Must-Do 3': Have a trading plan

As the old says: “Fail to plan is plan to fail”. Trading is like sailing boat middle in the sea; you will not be going anywhere without compass and navigator.

What is the detail objective of the trades? How much profit to expect from the trade? When to get into the market? How much to invest? What price to exit the market? If things do not work out, when do execute the stop loss order? How high is the affordable risk? A good trading plan should at least answers the above questions. Further more, if your trading plan fails, review and modify your trading plan.

Find out your mistakes and learn from them.

'Must-Do 4': Money management

Money management is controlling your risk through the use of protective stops, while balancing your potential for profit against your potential for loss. For example, good money management means you know your profit objective and the odds of being right or wrong, and controlling your risk with protective stops. You are better off with a trade where you might lose $1000 if you are wrong and make $500 if you are right, that would work eight times out of ten, than to take a trade where you would make $1000 if you are right and lose only $500 if you are wrong, but works only one time out of three.

If you are investing using your savings, it's even more important that you manage your money in your trading and in your personal expenses. Chances are high that you miss a good investing chance because of you are lack of capital.

'Must-Do 5': Discipline trading

Trading Forex with discipline is important. Success in Forex trading could not be achieved by plotting out the best trading plan. It is also depends on implementing the trading plan. Be discipline, trade according to your plan and never trade with your emotion no matter you are losing money or winning. Greed will stop you from taking profit at predetermined level; while fear will stop you from making the nice kill in the market.

10 Tips for your success in Forex trading

2009-04-09T05:16:00.000-07:00

1. Implement a trading plan.

“If you fail to plan, you plan to fail”. A trading plan is especially crucial in Forex trading to stay ‘in-control’ against the emotional stress in speculative situation.

Often, your emotions will blind and lead you to the negative sides: greed causes you to over-ride on a win while fear causes you to cut short in your profits. Hence, a well organized operation has to be predetermined and strictly followed.

2. Trade within your means

If you cannot afford to lose, you cannot afford to win. Losing is a not a must but it is the natural in any trading market. Trading should be always done using excess money in your savings.

Before you start to trade in Forex, we suggest you to put aside some of your income to set up your own investment funds and trade only using that funds.

3. Avoid emotion trading

If you do not have a trading plan, make one. If you have a trading plan, follows it strictly! Never ever attempt to hold your weakened position and hope the market will turn back in your favor direction. You might end up losing all your capital if you keep holding. Move on, stay within your trading plan, and admit your mistakes if things do not turn as you want.

4. Ride on a win and cut your losses

Forex trader should always ride till the market turns around whenever a profit is show; while during losing, never hesitate to admit your mistakes and exit the market. It is human nature to stay long on loses and satisfy with small profits – this is why as we mentioned earlier that a strictly followed trading plan is a must-have.

5. Love the trends

Trends are your friends. Although currency values fluctuate but from the big picture it normally goes in a steady direction. If you are not sure on certain moves, the long term trend is always your primary reference. In long run, trading with the trends improves your odds in the Forex market.

6. Stop looking for leading indicators

There aren't any in the Forex market. While some firms make a lot of money selling software that predicts the future, the reality is that if those products really worked, they wouldn't be giving the secret away.

7. Avoid trading in a thin market

Trade on popular currency pairs and avoid thin market. The lack of public participation will cause difficulties in liquidate your positions. If you are beginners, we suggest the big five: USD/EUR, USD/JPY, USD/GBD, USD/CHF, and EUR/JPY.

8. Avoid trading in too many markets

Do not confuse yourself by overtrading in too many markets especially if you are a beginner. Go for the major currency pairs and drill down your studies in it.

9. Implement a proper trading system

There is hundreds of trading systems available on line. Pick one that you are most comfortable with and stick with it. Stay organized in your trades and fully utilized stop-loss or limit functions in your trades.

10. Keep learning

The best investment is always the investment on your brain. Without a doubt, Forex trading needs much more than just a few guidelines or tips to be successful. Experience, knowledge, capital, fortitude, and even some help of luck are all crucial in one’s success in the FX market. if you lose in a trade, do not lose the experience in it. Learn from your mistakes and regain your position in the next trade.

Tips and Tricks - forex

2009-03-30T01:31:00.000-07:00

Always keep your trading systems simple. Too much information at one time on your trading screen could confuse and delay your decision to trade.

Broker - A lot of Forex brokers are in business only to make money from yours. Read forums, blogs and chats around the net to get an unbiased opinion before you choose your broker.

Sample the Environment - It is important to remember that many registered and online trading agents have fictitious platforms which mirror the real-time, live platform clients register and trade on. It is not only advisable, but it is also actively encouraged to initially open a 'dummy' account where fictitious Forex trades can be undertaken that closely reflect what real trades may be like when they are eventually undertaken. Such platforms are designed to give those that are new to Forex a feel and an idea what real trades on live markets will be like when the decision is made to begin trading.

Buy low, Sell high - Forex trading does not involve the physical purchase of the currencies, but rather involves contracts for amount and exchange rate of currency pairs. The potential for profit comes from the fluctuations in the currency exchange market. Regular daily fluctuations in the value of one currency against another give a clear advantage over conventional stock market equities and instruments. See Trading Illustration Only

Manage Losing Positions - Trades will sometimes inevitably on occasion go against you. It is important to accept them as an inherent part of trading. Cut your losses and move on having learned from any mistakes made. Always remember however that you will not be able to trade without losing some positions. It is important to manage these well.

Patience - Do not over-trade your account. Good money management practice is important and will help with profitability. This will go a long way in helping you develop a strategy which fits with your personal trading capital. Operate a trailing stop loss policy say 15 to 20 pips behind the trade. Minimize your good trades as long as you are confident.

Flexible Mindset - Don't set yourself false targets and expectations. Experts will tell you trading is not an exact science and setting oneself unattainable targets will only lead to frustration and feeling of failure when these targets are not met. Always maintain an open mind. The market is a constantly changing environment tunes your mindset to understand this.

And lastly but definitely not least, it is most important for all market participants to remember that unique experiences and past performances do not guarantee future results. Trading results can vary in any combination of circumstances. If you do not have extra capital that you can afford to lose, you should not trade in the foreign exchange market.

Invest wisely and take advantage of the resources and technology available to you in the market.

Ladi Dairo: Equity Research Analyst.

Forex Currency Trading Online: 5 Steps To Avoid The Common Tragedy

2009-03-25T00:59:00.000-07:00

Just like you, every single person that enters Forex currency trading online does so with the sincere intention of making money. Every one, including you. There isn't a single one that intends to lose money, yet the statistic of 90% losing their money is very real.

This is a very sad tragedy that good people experience everyday. The problem isn't that people lack the intelligence or ability, nor is currency trading online impossible to master. It is that they skip steps in their development.

Forex currency trading online offers a very real and very achievable opportunity for those that will simply follow the proper steps to reach their goal of consistent profits and approach the matter in a sensible manner. There are several components to a trader’s development in becoming the confident trader that produces consistent profits.

Gaps in a trader’s education will have to be filled before the end-goal is achieved, just like price gaps as in the markets.

The primary reason that the statistic in currency trading online exists is because those that lose money don't focus on developing themselves and their Forex currency trading online business. They choose to focus almost exclusively on making money right now. Thus the gaps cause them to lose their money before they’ve filled their educational and developmental gaps.

Second-wave traders are people that have blown out their account, or come close enough to realize this, and subsequently take a more business-like and realistic approach to their currency trading online.

So that they can have better chances of success the second (or third) time around, they pay attention to the fact that they missed some steps and now consciously pursue them. They don't want to repeat the vicious cycle of regular and repeated large losses that they experienced as first-wave traders.

There are five steps to avoid the tragedy so commonly found in Forex currency trading online.

Step 1. Develop a thorough understanding of currency trading online. This means what the markets are really about, what drives them, how to read a price chart, how to properly plan trades, how to identify good setups, entries, exits, etc. The basics are essential to master.

Step 2. Seek out the mistakes made by others. There are over 39 different mistakes commonly made by traders. This means that there are numerous opportunities to lose money in currency trading online.

If you don’t make yourself aware of mistakes made by others, then that leaves you open to making them yourself – and you'll pay the price when you make them. Learn from the mistakes of others and save both money and regret.

Step 3. You've heard that you should treat your trading like the business that it is. The problem is that if you haven't run a business before you may not know how to go about it. Any endeavor engaged on a regular basis for profit is a business. Even the government looks at it this way.

The more structured a business is, such as your currency trading online, and the more it includes sensible formalities such as reporting, the more consistent it will become. This is the end goal of most traders – consistent profits – so treating it as a business will surely help in achieving that goal. There are resources available on sites such as YouTube, so seek them out.

Step 4. In addition to having a system for selecting and placing trades, you should systemize what you do in your currency trading online. This goes right along with treating your trading as a business, but in more detail and from more of an operational perspective.

Systemizing what you do will bring repeatability and predictability to your activity, and this is desirable in trading as well.

Step 5. Manage your your emotions as they are often the cause of large losses and missed profits, even for veteran traders. It is not necessary to try to be a inhuman and “turn off” your emotions.

By educating yourself on the psychology of trading to have an understanding of how your emotions play into your decision-making process and what factors affect your currency trading online, this will again help you achieve the goal of consistency.

Forex currency trading online presents a tremendous opportunity for people that will simply approach the endeavor from a business like and long term perspective. Most who enter currency trading online, do so very ignorant of what it takes and this is quite understandable, as it is something totally new to them.

Educate yourself and seek out the developmental resources to help you through these five steps to ensure that you give yourself the best chances of realizing what currency trading online has to offer. Make sure you give yourself a happy ending.

Forex Charts - How to Read a Currency Chart

2009-03-17T23:40:00.000-07:00

Forex charts are easy to interpret, especially for someone that has invested in or day traded stocks before. When looking at a real time chart of a stock, the trader has to select the chart period (1 day, 5 minutes, 15 minutes, etc.) and the ticker symbol of the desired stock. The concept is the same for a currency chart. The trader would select the specific currency pair (U.S. Dollar versus the Japanese Yen, the Euro versus the Dollar, etc.) and the desired time period for each bar of the forex chart. The example below shows a snapshot of a real time 15-minute candlestick chart of the Euro versus the U.S. Dollar (EUR/USD) currency pair taken from our forex day trading system (this system can be used to obtain.

NOTE: Information on FX charting will be provided during our free, live forex training.

On the day above (December 2, 2002), the forex chart shows a strong move in the Euro versus the dollar, from a low of 0.9869 (about 8:30AM EST) to 0.9975. This is a difference of 0.0106 or 106 pips (in forex trading, a "pip" is the smallest tick in the price of a currency, which is similar to a "tick" in stocks). In dollars, this move is equivalent to an amount of US$1,060 per lot. In our forex trading system, currencies are traded in lots of 100,000 (100,000 x 0.0106 = $1,060). With a margin requirement of only $1,000 per lot, this corresponds to a return of over 100%. In other words, while a move from 0.9869 to 0.9975 is only about 1%, with 100 to 1 margin this return becomes over 100% (Please Note: Increasing leverage increases risk; in this example, a move of 1% in the other direction could have resulted in a loss of the same magnitude). In our forex education section we also explain how to read a forex quote and other currency trading basics.

More Currency Charts

If you were to look at the forex chart below without knowing that it was a currency chart, you might have thought that it was a chart of a 124 dollar stock. The snapshot of the real time forex chart below shows the relationship between the U.S. Dollar and the Japanese Yen for a three month period. Each candle represents one day of price activity, with the last candle on the forex chart showing the current value of the dollar versus the yen (124.50 yen). Consequently, an investor that day trades stocks can easily adapt to forex charts. If he feels that the dollar will go up, he simply buys. Then, for the sake of simplicity, let's say that the candles on his chart start moving up (e.g., 125.00, 125.25, 126.10, etc.). This means his balance is positive.

Notice that four lines of different colors are superimposed on the forex chart shown above. These lines are what are known in technical analysis as "moving averages," arithmetic averages of the price of the currency pair over a certain number of periods. The moving averages shown on the currency chart above are 10-day, 20-day, 50-day, and 200-day moving averages. Day trading currencies mainly involves the application and interpretation of technical analysis on real time forex charts, just like day trading stocks involves applying technical analysis to real time stock charts.

Free Forex Charts

If you are a trader, by now you have probably realized that currency charts are really no different than stock charts. Once you understand how to read forex quotes, you can begin to trade currencies by applying technical analysis to different currency charts. One of the advantages of trading currencies over stocks is that you only have a few major currencies to trade rather than tens of thousands of stocks. Thus, it is a lot simpler.

To get access to free forex real time charts, you can sign up for free access to our real life forex trading simulator. This simulator will not only let you play with different currency charts in real time, but it will also allow you to practice executing buy and sell orders at actual prices. The award-winning forex trading system is the best way for you to learn forex day trading. Pulling up currency charts is very easy. Try it for free.

The Future of Marketiva in 2009

2009-03-16T01:50:00.000-07:00

Well, Marketiva has been established at least 3-4 years ago, many have changed with this virtual online forex trading. Specially the Streamer, it has been changed and updated to the new version many times, since it use by marketiva trader. Take a look the Streamer UI (user interface), much better and easy to use. The tab channel now more glossy than before, for noobs or newbie trader they must be have not difficulties use it

Talk the future of Marketiva, in 2009 Marketiva still give free bonus $5 for new user registered, you also can use the marketiva coupon to registered and make some deposit amount. I just predict, Marketiva will be survive on the global financial crisis storm this years, as long their capital not deposited on United State banks.

We all hope the marketiva online forex trading should be exist without make scam to their members.

Privacy Policy

2009-02-16T18:20:00.000-08:00

Privacy Policy for valas-educations.blogspot.com

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Privacy Policy

2009-02-08T10:32:00.000-08:00

Privacy Policy for valas-educations.blogspot.com

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at r13n08@gmail.com.

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2008-10-01T13:35:00.000-07:00

Rahasia Dahsyat Cara Mencari Uang di Internet Dengan Forex Trading / Valas Akhirnya Terungkap… Inilah informasi ter-DAHSYAT cara mencari dan menghasilkan uang di internet.

Menghadirkan Informasi Terdahsyat!
Bagaimana Cara Meningkatkan
KECERDASAN FINANSIAL Anda
Dan Mendapatkan Modal Gratis Untuk Bermain Forex, Serta Belajar Bisnis Valas Secara GRATIS Tanpa Perlu Ikut Kursus Maupun Seminar, Sepuasnya Sampai Bisa!

PERINGATAN: Informasi singkat berikut ini akan mengejutkan anda, saya berharap agar anda bisa menghentikan kesibukan lain, dan fokus untuk membaca artikel ini sampai habis. Setelah membaca anda akan menjadi manusia dengan visi dan pemikiran baru!

Sahabat menuju sejahtera…

Masih teringat jelas di benak kita kejadian tahun 1998, dimana harga Dollar melambung tinggi dari Rp 3.000 menjadi Rp 15.000,- per dollarnya. Perubahan harga yang tiba-tiba ini berdampak Sangat Serius Sekali bagi perekonomian Indonesia. Anda tentu masih ingat harga barang tiba-tiba melambung tinggi, banyak perusahaan tiba-tiba tutup karena tidak mampu membeli bahan baku, pengangguran meningkat drastis karena banyak pekerja di-PHK. Selebihnya adalah huru-hara hebat yang membuat kita miris apabila mengingatnya…

Mengapa hal itu bisa terjadi?…

Sahabat menuju sejahtera, nilai tukar Rupiah dan mata uang dunia berada pada kondisi mengambang dimana nilai tukarnya bisa dipengaruhi oleh berbagai faktor mulai dari stabilitas keamanan dalam negeri, hukum penawaran dan permintaan, keadaan politik, jumlah tenaga kerja yang terserap industri, dan lain sebagainya. Nilai tukar mata uang dunia berubah setiap saat, setiap detik, setiap tarikan dan hembusan nafas anda. Mata uang saat ini sudah bukan saja berfungsi sebagai alat tukar, tetapi telah menjadi komoditi yang juga diperdagangkan.

Dengan mengambangnya nilai tukar mata uang, maka ada pihak-pihak yang bisa memanfaatkan keadaan ini, dimana ada mafia big hits yaitu kumpulan para spekulan pasar dengan modal BUESSAR yang bisa menghancurkan keadaan ekonomi sebuah negara dengan mempermainkan nilai tukar mata uang negara tersebut. Ulah para spekulan pasar ini bisa memberangus hasil jerih payah penduduk suatu negara yang telah bekerja keras banting tulang mengumpulkan harta kekayaan seumur hidupnya, hanya dalam satu malam saja, dan itulah yang terjadi di indonesia pada tahun 1998.

Kemungkinan Terburuk dari permainan nilai tukar mata uang adalah HIPER INFLASI sebagaimana pernah terjadi pada negara Argentina dan Bolivia beberapa tahun yang lalu. Saat itu, telor rebus seharga 1000 pada pagi hari, bisa menjadi 1.000.000 pada malam hari. Ada pula cerita, seseorang harus mendorong gerobak berisi penuh uang kertas yang dirampas gerobaknya karena nilai gerobak lebih berharga dari uang tunai itu sendiri. Bayangkan, hasil kerja keras yang kita kumpulkan dalam bentuk uang tiba tiba amblas tak bernilai hanya karena melambungnya harga dollar! Uang Rp 10,000 yang sangat bernilai di tahun 1995 tiba-tiba hanya bisa dibelanjakan untuk membeli dua bungkus nasi dan lauk ala kadarnya di tahun 1998!

Pertanyaannya sekarang, bagaimana cara kita membentengi diri dari kemungkinan terburuk yang bisa terjadi? Baik, anda sudah mulai menyadari?…

Jadi, baca terus!

Sahabat menuju sejahtera…

Setiap hari tentu kita sudah tidak asing dengan berita seperti ini:

Sierad PHK 1.500 pekerja;
Nike menutup pabrik sepatunya;
Ribuan buruh berdemo karena gaji belum dibayarkan;
Target ekonomi meleset;
Lahan tidak lagi produktif, ratusan transmigran hengkang;
Krisis Pangan, Paceklik, Warga Makan Oyek dan Tiwul;

Sahabat menuju sejahtera…

Cukup sudah pembicaraan kita mengenai pemikiran-pemikiran pesimis tersebut. Dunia terus berputar, dan hidup harus tetap berjalan…

Lalu bagaimana kiat-kiat kita menghadapi dunia yang serba tidak menentu ini?

Menurut pakar investasi Robert T Kiyosaki, asset terpenting yang kita miliki dalam hidup adalah pikiran kita, dalam hal ini Robert T Kiyosaki menasehatkan kepada kita untuk terus meningkatkan KECERDASAN FINANSIAL kita. Kita diharuskan memiliki keterampilan tentang mengatur keuangan dan mengetahui cara kerja uang, sehingga dalam hidup bukan kita yang diperbudak uang, tapi uanglah yang harus kita perbudak.

Kalu kita perhatikan, dalam situasi dan kondisi apapun akan ada sebagian orang yang kelihatannya tidak terimbas dampak terpuruknya ekonomi, bahkan bisnis mereka semakin maju dan kekayaannya semakin bertambah. Seolah mereka selalu berada pada saat dan tempat yang tepat! Apakah mereka beruntung? Bisa jadi, tapi yang pasti sebagaian besar dari mereka adalah orang-orang biasa seperti kita, yang membedakan adalah mereka memiliki kecerdasan finansial.

Keadaan ekonomi yang tidak menentu tetap bisa menjadi berkah bagi sebagian orang, yang juga sekaligus MENJADI BENCANA bagi sebagian lainnya. Bayangkan! Tanpa tahu dosa apa yang kita perbuat, tiba-tiba saja uang yang sudah susah payah dikumpulkan menjadi tidak bernilai sama sekali!

Padahal, dengan mengetahui mekanisme perdagangan mata uang atau trading valas, kita bisa menghindarkan diri dari menjadi korban menggilanya nilai tukar suatu mata uang.

OK, pertanyaan berikutnya adalah: Bagaimana anda bisa mempelajari mekanisme perdagangan mata uang, untuk meningkatkan KECERDASAN FINANSIAL anda.

Sahabat menuju sejahtera…

Industri forex mulai booming pada tahun 2005 ditandai dengan menjamurnya broker di internet yang menyediakan layanan jual beli valas secara online sehingga investor tidak perlu keluar rumah untuk bertransaksi, karena proses pemesanan dan pelaksanaan order dilakukan cukup dari komputer, sambil minum teh dan duduk bersantai dengan keluarga.

Meskipun cukup banyak broker trading forex yang menawarkan layanan secara online, namun masih ditemui beberapa kendala seperti diperlukannya modal yang cukup besar sehingga pelajaran bisnis forex yang berharga ini tidak bisa dinikmati oleh semua kalangan. Padahal pembelajaran mekanisme perdagangan valuta asing ini sangat-sangat penting bagi semua orang!

Dengan memahami dunia perdagangan forex, anda akan memperoleh banyak manfaat, diantaranya:

Menghindarkan diri dari menjadi korban menggilanya nilai tukar suatu mata uang.
Mengetahui bahwa menabung dalam bentuk uang bukanlah langkah yang bijaksana karena akan menggerogoti nilai tukar uang anda hari demi hari, sehingga uang anda semakin hari semakin tidak bernilai.
Mengetahui dalam mata uang apa sebaiknya anda menabung, kalau memang terpaksa harus menabung.
Mengetahui investasi jenis apa yang paling cocok untuk mempertahankan nilai tukar uang anda, misalnya anda simpan dalam bentuk emas, lahan pertanian, perkebunan atau property sewaan.
Mendapatkan untung dari mengetahui naik turunnya mata uang, anda bisa membeli pada harga murah dan menjualnya saat mata uang tersebut bernilia tinggi.
Dengan memahami mekanisme perdagangan valuta asing, maka anda akan mampu mengatur keuangan anda sendiri dan menjadi penasehat keuangan pribadi bagi diri anda sendiri.
Dengan memiliki keterampilan dalam berjual beli valuta asing, maka anda bisa menjaga kekayaan anda hari ini, besok, dan nanti.

-=oOo=-

Kembali, pertanyaannya sekarang adalah: Dimanakan kita bisa belajar jual beli valas, yang sistem pembelajarannya cocok untuk pemula maupun yang sudah mahir serta memerlukan biaya yang kecil saja atau kalau bisa GRATIS! Jaman Geneee, Mana Ada GRATISAN?

-=oOo=-

TERNYATA ADA! Anda memang beruntung!

Memperkenalkan broker forex terbaik sedunia, yang dengan kebaikannya akan memberi anda modal gratis untuk belajar bermain forex, serta mendidik anda dari Sabang sampai Merauke mengenai dunia forex!

Kita sambut MARKETIVA!

Keunggulan belajar bermain valas di marketiva:

GRATIS MODAL $5 PADA SAAT PENDAFTARAN, yang bisa anda kembangkan menjadi $10, $100, $1000 atau berapa saja yang anda inginkan, kalau sudah untung bisa anda tarik modal gratis tersebut beserta seluruh keuntungannya! Boleh tarik semua tanpa disisakan.
Dari dalam satu account bisa melakukan simulasi forex dengan uang mainan atau trading dengan uang betulan, tinggal ganti jenis desk nya saja. Mudah sekali!
Bebas komisi pada setiap transaksi.
Bebas Bunga atau Overnight Interest.
Menyediakan kondisi harga aktual, grafik dan berita terkait.
Tidak diperlukan setoran awal, karena sudah dikasih modal GRATIS. Apabila ingin menyetor uang, maka $1 [satu US dollar] sudah bisa.
Jarak harga jual dan beli [spread] yang rendah mulai dari 2 pip.
Besaran kontrak bebas dan fleksibel mulai dari 1 sen.
Fasilitas Chatting dan Diskusi online, disediakan channel support dan obrolan umum.
Layanan Live Support 24 jam dengan bahasa Indonesia.
Mendukung Pembayaran dengan Bank Wire / transfer antar bank, Libertyreserve Lr, Webmoney WMZ dan E-dinar.
Legalitas terjamin dan Aman.

-=oOo=-

Tertarik Untuk Meningkatkan Kecerdasan Finansial Anda?
Ayo Daftar Sekarang Juga!
Kurang dari 5 menit anda sudah bisa langsung trading!

-=oOo=-

Langkah demi langkah cara mengisi formulir pendaftaran bisa anda dapatkan di sini: Cara Mendaftar [akan dibuka pada jendela baru, biarkan tetap terbuka untuk panduan anda].

Apa yang anda perlu siapkan? Cukup dua hal:

Scan KTP untuk identifikasi.
Komputer dengan Koneksi Internet yang stabil. Anda bisa menggunakan komputer di rumah, kantor, warnet atau di tempat tempat lain yang penting ada koneksi internetnya.

Isi formulir pendaftaran sekarang juga, Dalam waktu kurang dari tiga menit anda sudah bisa praktek trading valas. Kami pandu anda sepenuhnya dengan Bahasa Indonesia lima hari kerja dalam seminggu (24/5), SAMPAI BISA!

Untuk Cara Mendaftar Langkah demi Langkah silakan Klik Disini.

P.S:

Daftar sekarang juga, dan anda berhak mendapatkan bonus gratis uang mainan senilai 20,000 USD dan uang betulan senilai 5 USD.
Penawaran dan bonus ini terbatas, apabila kuota telah terpenuhi penawaran dan bonus gratis tersebut bisa kami cabut setiap saat.
Satu orang hanya boleh membuat satu account saja! Pastikan anda memasukkan data data yang benar sesuai KTP. Perhatian! Penawaran ini berlaku hanya bagi yang serius saja, apabila anda memasukkan data yang tidak benar atau asal asalan maka akan langsung kami hapus dari sistem, dan apabila masih mengulangi lagi maka akan kami masukkan ke daftar hitam. Hal ini kami lakukan untuk memberikan kesempatan kepada orang lain yang lebih serius.
Pembelajaran Dilakukan langsung di platform, dengan cara chatting langsung dengan para tenaga pengajar kami.

2008-08-05T07:48:00.000-07:00

Cara Belajar Forex Trading, Saham, Index, dan Komoditi Paling Dahsyat Abad Ini!

Bagaimana Belajar Forex Langsung Praktek dan Langsung Bisa Dalam Lima Menit atau Kurang, Atau Gratis $5! Kami Tunjukkan caranya!

Dalam rangka memberikan pendidikan kepada seluruh masyarakat agar Melek Finansial, kami menyelenggarakan kursus cepat cara belajar valas atau belajar forex dalam Bahasa Indonesia yang sangat efektif dan efisien sehingga belajar forex / valas, saham, komoditi, dan index, dalam 5 menit atau kurang anda dijamin sudah langsung bisa, atau anda akan mendapat bonus uang langsung senilai $5.

Mengapa Anda Perlu Belajar Forex atau Belajar Valas? Karena dengan Belajar Forex anda akan bisa mengetahui:

Bagaimana cara agar bisa Melek Finansial dengan cepat!
Bagaimana belajar dengan cepat cara trading Saham, Forex / Valas, Komoditi, dan Index.
Mengapa menabung bukanlah cara yang cepat untuk menjadi kaya!
Mengapa uang di tabungan anda selalu berkurang nilainya!
Mengapa Lebih baik menyimpan dalam bentuk emas daripada tabungan di bank!
Mengapa bisnis (baca Bisnis Forex / Valas) jauh lebih baik daripada menabung!
Dan masih banyak lagi Pelajaran Melek Finansial lainnya!

Anda akan belajar sejarah uang dan belajar bagaimana caranya mengamankan kondisi finansial Anda agar KEKAYAAN anda bertahan kekal sekarang, besok, dan selama lamanya!

Apa yang anda perlu siapkan? Cukup dua hal:

Scan KTP untuk identifikasi.
Komputer dengan Koneksi Internet yang stabil. Anda bisa menggunakan komputer di rumah, kantor, warnet atau di tempat tempat lain yang penting ada koneksi internetnya.

Sisanya kami yang sediakan mulai dari Modal, Support Sistem, Tenaga Pengajar, dan Materi Pembelajaran. Semua Kami ajarkan secara langsung langkah demi langkah terperinci dengan chatting langsung dengan para tenaga pengajar kami.

Isi formulir pendaftaran sekarang juga, Dalam waktu kurang dari tiga menit anda sudah bisa praktek trading valas. Kami pandu anda sepenuhnya dengan Bahasa Indonesia lima hari kerja dalam seminggu (24/5), SAMPAI BISA!

Untuk Cara Mendaftar Langkah demi Langkah silakan Klik Disini.

P.S:

Daftar sekarang juga, dan anda berhak mendapatkan bonus gratis uang mainan senilai 20,000 USD dan uang betulan senilai 5 USD.
Penawaran dan bonus ini terbatas, apabila kuota telah terpenuhi penawaran dan bonus gratis tersebut bisa kami cabut setiap saat.
Satu orang hanya boleh membuat satu account saja! Pastikan anda memasukkan data data yang benar sesuai KTP. Perhatian! Penawaran ini berlaku hanya bagi yang serius saja, apabila anda memasukkan data yang tidak benar atau asal asalan maka akan langsung kami hapus dari sistem, dan apabila masih mengulangi lagi maka akan kami masukkan ke daftar hitam. Hal ini kami lakukan untuk memberikan kesempatan kepada orang lain yang lebih serius.
Pembelajaran Dilakukan langsung di platform, dengan cara chatting langsung dengan para tenaga pengajar kami.

2008-07-27T22:11:00.000-07:00

Cara Belajar Valas / Forex Paling Jitu Tahun Ini, dan Belajar Trading, Saham, Index, dan Komoditi Paling Dahsyat Abad Ini!

Bagaimana Belajar Forex Langsung Praktek dan Langsung Bisa Dalam Lima Menit atau Kurang, Atau Gratis $5! Kami Tunjukkan caranya!

Bagaimana cara agar bisa Melek Finansial dengan cepat!
Bagaimana belajar dengan cepat cara trading Saham, Forex / Valas, Komoditi, dan Index.
Mengapa menabung bukanlah cara yang cepat untuk menjadi kaya!
Mengapa uang di tabungan anda selalu berkurang nilainya!
Mengapa Lebih baik menyimpan dalam bentuk emas daripada tabungan di bank!
Mengapa bisnis (baca Bisnis Forex / Valas) jauh lebih baik daripada menabung!
Dan masih banyak lagi Pelajaran Melek Finansial lainnya!

Scan KTP untuk identifikasi.
Komputer dengan Koneksi Internet yang stabil. Anda bisa menggunakan komputer di rumah, kantor, warnet atau di tempat tempat lain yang penting ada koneksi internetnya.

Daftar sekarang juga, dan anda berhak mendapatkan bonus gratis uang mainan senilai 20,000 USD dan uang betulan senilai 5 USD.
Penawaran dan bonus ini terbatas, apabila kuota telah terpenuhi penawaran dan bonus gratis tersebut bisa kami cabut setiap saat.
Satu orang hanya boleh membuat satu account saja! Pastikan anda memasukkan data data yang benar sesuai KTP. Perhatian! Penawaran ini berlaku hanya bagi yang serius saja, apabila anda memasukkan data yang tidak benar atau asal asalan maka akan langsung kami hapus dari sistem, dan apabila masih mengulangi lagi maka akan kami masukkan ke daftar hitam. Hal ini kami lakukan untuk memberikan kesempatan kepada orang lain yang lebih serius.
Pembelajaran Dilakukan langsung di platform, dengan cara chatting langsung dengan para tenaga pengajar kami.

2008-07-26T23:17:00.000-07:00

Cara Belajar Forex Trading, Saham, Index, dan Komoditi Paling Dahsyat Abad Ini!

Bagaimana Belajar Forex Langsung Praktek dan Langsung Bisa Dalam Lima Menit atau Kurang, Atau Gratis $5! Kami Tunjukkan caranya!

Bagaimana cara agar bisa Melek Finansial dengan cepat!
Bagaimana belajar dengan cepat cara trading Saham, Forex / Valas, Komoditi, dan Index.
Mengapa menabung bukanlah cara yang cepat untuk menjadi kaya!
Mengapa uang di tabungan anda selalu berkurang nilainya!
Mengapa Lebih baik menyimpan dalam bentuk emas daripada tabungan di bank!
Mengapa bisnis (baca Bisnis Forex / Valas) jauh lebih baik daripada menabung!
Dan masih banyak lagi Pelajaran Melek Finansial lainnya!

Scan KTP untuk identifikasi.
Komputer dengan Koneksi Internet yang stabil. Anda bisa menggunakan komputer di rumah, kantor, warnet atau di tempat tempat lain yang penting ada koneksi internetnya.

Daftar sekarang juga, dan anda berhak mendapatkan bonus gratis uang mainan senilai 20,000 USD dan uang betulan senilai 5 USD.
Penawaran dan bonus ini terbatas, apabila kuota telah terpenuhi penawaran dan bonus gratis tersebut bisa kami cabut setiap saat.
Satu orang hanya boleh membuat satu account saja! Pastikan anda memasukkan data data yang benar sesuai KTP. Perhatian! Penawaran ini berlaku hanya bagi yang serius saja, apabila anda memasukkan data yang tidak benar atau asal asalan maka akan langsung kami hapus dari sistem, dan apabila masih mengulangi lagi maka akan kami masukkan ke daftar hitam. Hal ini kami lakukan untuk memberikan kesempatan kepada orang lain yang lebih serius.
Pembelajaran Dilakukan langsung di platform, dengan cara chatting langsung dengan para tenaga pengajar kami.

gambar

2008-05-21T02:57:00.000-07:00

2008-03-01T02:09:00.000-08:00

Belajar Forex, Belajar Valas Trading Online Untuk Pemula

Langkah Mudah dan Gratis Dalam Memulai Belajar Forex Trading (Belajar Valas) Secara Online. PERHATIAN!: Strategi Belajar Forex Dibawah Ini Hanya Cocok Untuk Pemula Saja.

Jika anda bukan trader pemula dan sudah mengerti dasar dasar forex (valuta asing), silahkan mencoba software forex trading profesional (MetaTrader) yang memiliki lebih banyak fitur! Sangat kami rekomendasikan bagi anda para trader valutaasing professional. [Silahkan klik di sini untuk Broker Forex Profesional, Aman dan Terpercaya]

A. Untuk Membuat Account Forex Trading / Valas Online yang Gratis, Silahkan isi form di SINI.
Proses ini hanya membutuhkan waktu kurang dari 3 menit saja. Setelah selesai mendaftar anda akan LANGSUNG BISA TRADING. Anda juga akan mendapatkan hadiah berupa uang tunai sebesar $5 (uang betulan) secara gratis, serta uang virtual / bohongan untuk simulasi trading sebesar $10.000. Anda harus memasukkan data dara Pribadi dengan sebenar-benarnya, karena user yang memasukkan data palsu atau asal asalan maka kemungkinan besar akan langsung dihapus, apabila membuka dua account yang sama maka akan diwajibkan untuk memberikan bukti-bukti keabsahan tambahan.

PENTING UNTUK DIINGAT! Setiap orang hanya dibenarkan membuat SATU account saja, karena bila anda membuat lebih dari satu account, maka anda akan diblock. Karena itu anda wajib memasukkan data sebenar-benarnya sesuai ID card (KTP) atau Driving License (SIM) anda.

Cara Mengisi Formulir Pendaftaran:
Untuk field/bagian dengan tanda bintang (*) wajib Anda isi, yang lain boleh Anda kosongkan.

Username (*): Gunakan username/nickname, atau nama panggilan / nama singkat yang bagus dan sopan, karena akan Anda gunakan untuk chatting dengan sesama trader nantinya. Contoh username yang baik dan benar: traderfx, tradervalas, belajarvalas, belajarforex, belajar-valas, belajar-forex, tradercantik, valasonline, valas.online, dsb.
Password (*): Kata sandi anda, minimal 8 karakter gabungan antara huruf dan angka. Contoh password yang benar: p4swordbulanme1, contohp4s5word, sul1tditeb4k, dll.
First Name (*): Nama depan Anda.
Middle Initial: Huruf Depan pada Nama Tengah Anda (1 karakter), kosongkan saja (jika anda tidak memiliki nama tengah) atau masukkan nama tengah anda di belakang First Nama (hanya jika anda memiliki nama tengah).
Last Name (*): Nama belakang Anda, jika nama Anda hanya terdiri dari satu suku kata, masukkan nama Anda tersebut di bagian First Name dan Last Name. Contoh: jika nama Anda hanya satu suku kata yaitu: Budianto, maka masukkan First Name: Budianto, Last Name: Budianto.
Job Title: Boleh dikosongkan saja jika nama KTP atau SIM anda tidak ada gelar atau isikan Gelar ke kolom ini (jika ada gelar di KTP atau SIM).
Organization: Boleh Dikosongkan, atau diisi nama kampus, kantor, toko anda, dsb.
Street Address (*): Alamat anda, tulis sesuai dengan alamat di KTP atau SIM Anda. Alamat yang dimasukkan harus sesuai KTP/SIM meskipun anda tidak tinggal disitu saat ini.
Additional Address: Kosongkan atau dapat anda isi alamat anda selain yang tercantum di KTP atau SIM.
City (*): Kota Anda sesuai dengan ID/KTP atau driving license/SIM Anda.
Zip/Postal Code (*): Kode Pos
State/Province (*): Propinsi misalnya Jawa Barat, Jawa Tengah, DKI Jakarta.
Country/Region (*): Negara, Pilih Indonesia.
Phone (*): Nomor Telepon, harus diisi. Boleh diisi dengan nomor HP, telepon kantor, atau telepon keluarga/teman.
Fax: Boleh Dikosongkan.
Mobile: Boleh Dikosongkan atau isi dengan nomer Telepon selular anda.
E-mail (*): Alamat e-mail Anda. Email harus yang masih aktif, dalam artian bisa kirim dan terima email dengan baik. Apabila ragu sebaiknya anda buat email baru saja, yang gratisan juga bolehseperti gmail.com atau mail.yahoo.com.
Website: Boleh dikosongkan atau isi dengan Website / Blog Anda.

Klik tombol Continue ->>

User Template (*): Pilih Standar.
Coupon: Kosongkan bila tidak ada orang yang mereferensikan Anda (kupon bukan berarti diskon, tetapi hanya untuk menandai bahwa anda adalah anggota dari orang yang mengajak anda)
Recovery Question (*): Pertanyaan untuk mendapatkan password anda kembali apabila suatu hari anda lupa. Pilihlah yang paling cocok dengan situasi Anda, misalnya Anda memiliki seekor kucing kesayangan dengan nama simanismanja, maka Anda bisa pilih pertanyaan: What is your pet's name? (Apa nama hewan peliharaan Anda?)
Recovery Answer (*): Jawaban dari pertanyaan Recovery di atas. Pada contoh tersebut maka jawaban Anda adalah simanismanja.

Klik tombol Next =>

Berilah Tanda Centang/Check (v) Pada Pilihan:
I have read, understood, and agree with the Service Agreement under which Marketiva Corporation provides it services and products. I have also read and understood the Risk Disclosure statement and I am willing and able to assume such risks.

Setelah itu klik tombol FINISH. Proses pendaftaran Anda telah selesai.

B. Untuk Melakukan Trading, Anda Membutuhkan Software Trading yang dapat didownload dari SINI
Setelah anda klik bisa memilih menu "save" dan pilih folder untuk menyimpan file tersebut misalnya di Desktop. (Jangan menggunakan software / program download ataupun accelerator)

C. PENTING! Sebaiknya Anda Segera Melakukan Identifikasi Account / Pengesahan Segera Setelah Mendaftar, yaitu Dengan Mengirim Scan KTP/SIM.
Proses ini memang tidak harus dilakukan langsung dan bisa menyusul kemudian, AKAN TETAPI jika anda menggunakan komputer di warnet (warung internet); kantor; perpustakaan, tempat akses komputer umum lainnya, atau menumpang di komputer teman, maka SEBELUM LOGIN ke software trading tersebut, HARUS mengupload ID card (KTP) atau Driving License (SIM) agar tidak kena suspend atau bahkan penghapusan account Anda. Kecuali jika komputer tempat anda mendaftar tidak pernah digunakan trader lain yang login ke software, maka identifikasi bisa dilakukan menyusul.

Bila account anda terkena suspend maka jangan membuat account baru lagi karena percuma saja, account baru itu akan segera dihapus ataupun tersuspend. Jalan satu-satunya untuk mengaktifkan account yang TERSUSPEND adalah dengan cara MENGUPLOAD dokumen anda.

Bagaimanapun kami sarankan anda sesegera mungkin melakukan identifikasi setelah mendaftar agar mendapat 2 keuntungan yaitu:

Dapat menarik dana.
Bebas dari resiko suspend/block bila trading di komputer yang pernah digunakan user lain. Jika Anda mengakses software dari komputer umum seperti warnet maka anda tidak pernah tahu bahwa komputer Anda telah digunakan oleh trader lain.

Untuk Proses Identifikasi, Yang Dibutuhkan Adalah

Picture Identification: Berupa scan dokumen identitas berfoto yang diterbitkan oleh pemerintah, misalnya KTP, SIM, Passport. Scan dengan format JPEG berwarna atau minimal greyscale dari dokumen asli (bukan scan dari hasil fotokopi!). Ukuran file maksimum 100 Kbyte per lembarnya.
Identification confirming the customer's address: Berupa scan dokumen yang mencantumkan alamat anda, misalnya tagihan telepon, listrik, atau air. NB: Jika anda tidak mempunyai dokumen point no 2, anda boleh hanya menggunakan scan KTP atau SIM saja. Caranya: Bagi anda yang memiliki KTP baru (dibelakangnya ada gambar peta), scan halaman KTP berfoto dan masukkan di kedua formulir upload (picture identification dan customer's address). Bagi pemilik KTP lama (Depan foto, belakang Data), maka scan halaman depan dan masukkan di bagian formulir picture identification, dan halaman belakang di customer's address. Kemudian Upload, Selesai.

Silahkan klik di SINI untuk melakukan identifikasi

D. Untuk memulai trading, silahkan install software trading yang telah anda download tadi, login, lalu anda bisa memulai trading forex.

E. Bila anda ingin menambah dana account trading anda (deposit), ada 2 cara yaitu:
1. Mata uang elektronik (e-currency)
2. Transfer bank (Telegraphic Transfer / Wire)

Untuk deposit dalam jumlah sedikit (kurang dari $500) lebih baik menggunakan e-currency (contoh webmoney, egold, ebullion, dan lain-lain) karena e-currency lebih ekonomis / murah bila anda deposit sedikit dan memerlukan waktu lebih singkat dalam proses depositnya.

Bagi anda yang memilih e-currency, kami menyarankan agar TIDAK MENGGUNAKAN E-gold (sedang bermasalah karena kasus banyaknya penyalahgunaan sebagai tempat pencucian uang).

Sebaiknya gunakan Liberty Reserve atau Webmoney. Kami menyarankan anda menggunakan Liberty Reserve bagi anda yang kurang mengerti komputer karena prosedur instalasi Webmoney lebih rumit dan perlu menginstall certificate (lebih cocok digunakan di komputer rumah/pribadi anda).
Silahkan mendaftar Liberty Reserve dengan cara klik di SINI

Untuk mendaftar di Webmoney, silahkan daftar di website www.wmtransfer.com (gunakan Webmoney Keeper LIGHT untuk kepraktisan dan kemudahan proses deposit, jangan menggunakan yang Keeper Classic!).

Tapi bila anda tak ingin repot, bisa menggunakan transfer antar bank (Telegraphic Transfer / Wire). Harap diingat bila anda ingin deposit dengan wire transfer HARUS sudah pernah melakukan identifikasi / verifikasi sesuai langkah nomer 3 di atas (cukup 1x). Setelah verifikasi anda bisa memulai deposit lewat wire atau Telegraphic Transfer dengan cara mengisi form deposit wire dulu.

Isi segala data bank anda termasuk no account bank anda yg anda gunakan mis alamat bank anda, no account, swift number,dll. Nantinya data ini akan dicocokkan sewaktu menerima transfer anda. Kemudian setelah itu baru anda bisa melakukan transfer dari bank anda ke bank kami. Jangan lupa sebutkan swift number (kode bank) kami kepada bank anda sewaktu melakukan transfer di bank.

F. Bila anda ingin deposit menggunakan LibertyReserve, maka anda harus membeli Liberty Reserve dari exchanger (merchant jual beli e-currency). Jadi anda cukup mendaftar account di exchanger. Setelah mendaftar anda dapat membeli Liberty Reserve dengan cara transfer menggunakan internet banking ataupun transfer manual dari bank anda ke rekening bank exchanger (Pastikan exchanger anda terpecaya untuk memastikan dana anda aman, contoh: JuraganEgold.com tempat Jual Beli & Tukar E-Gold (EGold), Liberty Reserve, dan Webmoney.

G. Bila anda ingin deposit menggunakan webmoney (Pastikan anda menggunakan "Keeper Light", anda harus membeli webmoney dalam bentuk WMZ (webmoney USD) dari exchanger (merchant jual beli e-currency). Jadi anda cukup mendaftar account di exchanger. Setelah mendaftar anda dapat membeli WMZ dengan cara transfer menggunakan internet banking ataupun transfer manual dari bank anda ke rekening bank exchanger (Pastikan exchanger anda terpercaya untuk memastikan dana anda aman, contohnya : JuraganEgold.com - Jual Beli & Tukar E-Gold (EGold), Liberty Reserve, dan Webmoney).

Skema pembelian e-currency untuk deposit:
Anda bayar dalam bentuk Rp atau USD ke rekening bank Exchanger >> Exchanger mengirim e-currency ke rekening e-currency anda >> Dana masuk ke Rekening e-currency dalam bentuk e-currency (misal Liberty Reserve).

Skema penjualan e-currency untuk pencairan e-currency ke Rupiah atau USD:
Anda bayar dalam bentuk e-currency ke rekening e-currency Exchanger >> Exchanger mengirim RP atau USD ke rekening bank anda >> Dana masuk ke rekening bank anda dalam bentuk Rp atau USD

H. Jika anda telah LOGIN ke software trading dan masih tak mengerti (bingung) dapat menghubungi support yang ada untuk bertanya. Untuk bahasa Indonesia atau Malaysia silahkan klik di tombol "Groups" di sebelah atas dan klik di channel "International Support", kemudian klik OK. Ingat bukan channel "International".

Waktu trading forex menggunakan uang Real (LIVE) adalah mulai Senin pukul 4 pagi WIB (DST) / 5 pagi WIB (EST) hingga sabtu 4 pagi WIB (DST) / 5 pagi WIB (EST) (Bila menggunakan New York Time Zone adalah mulai 17.00 Minggu hingga 17.00 Jumat). Untuk trade menggunakan uang Demo (Virtual) adalah 7 hari seminggu.

Selamat Belajar Forex, Selamat Belajar Valas, Sukses Untuk Forex Trading Valas Anda! Kalau Udah Sukses Gak Nolak Kok Kalau Kamu Mau Tratir Kita Kita ;)

2008-03-01T01:43:00.000-08:00

NON FARM PAYROLL (NFP),

STRATEGI MERAIH 100 PIPS DALAM SEKEJAP

Non Farm PayRoll (NFP) Adalah Berita Nomor Satu yang Paling Powerful di Forex Trading! Lihat Calendar Forex Anda Bulan Ini Sekarang Juga!

Perhatikan efek berita / news diatas! Weladalah, Plus 185 Pips/Point dalam waktu kurang dari 15 Menit saja! Gambar diatas adalah efek dari News atau Berita Non Farm Payroll atau NFP pada tanggal 2 Juni 2006.

News / Berita Apa ini?!

Kamu kamu gak usah pusing mikirin ini news apa, yang jelas, setiap JUM’AT pada MINGGU PERTAMA Setiap BULAN, NEWS ini selalu Muncul, ya hanya sebulan sekali, pada Pukul 20.30 WIB.

Gambar di atas adalah Efek News Non Farm Payroll / NFP pada tanggal 5 Mei 2006 lalu. Bisa Anda lihat bahwa efeknya selalu membuat pergerakan point diatas 100 pips, dah lihat khan?!

Efek dari News NFP / Non Farm Payroll ini selalu 1 (satu) arah dengan cepat, apakah arah keatas atau kebawah, nah kalo dah gitu, ngapain ragu, buat perangkap ajah!

Sekarang coba kita buat Perangkapnya yaaa!

Strategy :

Sebelum News Muncul, mulai Pagi, LIBUR Trade.
Mulai Trade sebaiknya 30 menit menjelang News Muncul.
Pasang Perangkap, silahkan lihat Strategy Perangkap NFP.

Caranya:

Cari Nilai High & Low transaksi 2 jam menjelang News Non Farm Payroll / NFP Muncul.
Silahkan Open BUY di HIGH, dan SELL di LOW.
Ambil Target +100 pips saja.
Ambil Stop Lose masing-masing 40 pips saja.
SELESAI

Strategy ini hamper 90% selalu sukses!

Jika anda Trader dengan Standart Account, sebenarnya bisa melakukan trade disini cukup 1 (satu) kali satu bulan untuk target bulanan 100 pips. Maka dalam 3 bulan (hanya 3 kali trade anda sudah ROI), hehehehe :D :D

Kuncinya Utama Strategi Non Farm Payroll / NFP ini adalah :

Ketahui Kapan Jadwal News NFP bakal muncul bulan ini.
Siapkan Perangkap 100 pips di 10 menit menjelang News Muncul dengan Posisi seperti yang saya jelaskan diatas.
Jika anda sudah terbiasa dengan perangkap ini, gunakan Quantity 30 % dari Margin anda.
Nikmati hasilnya 1 bulan dan tunggu News Non Farm Payroll / NFP Bulan Depan untuk trade selanjutnya.
Hemat pulsa, libur trade 29 hari. Suit suit.... ;;)

Simulasi:

Deposit $3000, Anda trade dengan $1000 (Quantity 100.000), maka keuntungan 1 pips = $10, dengan trade 15 menit sebulan sekali ini, 100 pips diperoleh sebagai target sehingga hasil bulanan cukup $1000 (10 juta bro! Hanya dengan 15 menit sebulan sekali).

Selamat untuk Trading Forex kamu. Belajar Valas yang rajin ya! Kalau udah Sukses jangan lupa traktir kita kita yaaa ;)

2008-02-17T05:45:00.000-08:00

Belajar Forex Trading | Valas Trading Untuk Pemula
Written by Belajar Forex Trading Valas

Belajar Forex Trading Valas Secara Online itu mudah, mari saya tunjukkan langkah langkahnya. Perhatian! Hanya Cocok Untuk Pemula.

Jika anda sudah mengerti dasar dasar forex (valuta asing), silahkan mencoba forex trading profesional yang memiliki banyak fitur, dan sangat kami rekomendasikan bagi anda para trader valutaasing professional. [Silahkan klik di sini untuk Broker Forex Profesional, Aman dan Terpercaya]

A. Untuk membuka account trading forex gratis atau free, Silahkan isi form di SINI.
Dalam tiga menit anda sudah akan bisa langsung trading, Anda akan mendapatkan haridah $5 gratis dan uang virtual untuk berlatih trading sebesar $10.000.

Penting: Anda harus memasukkan data personal dengan benar, mulai dari Nama Lengkap, Alamat, Nomor Telepon, Kode Pos, Kota dan Negara. User yang memasukkan data palsu atau asal asalan maka akan dihapus otomatis oleh sistem. Setiap orang hanya boleh membuat 1 account saja, karena bila anda membuat lebih dari 1 account, maka anda akan diblok. Karena itu anda akan diwajibkan memasukkan data sebenar-benarnya sesuai ID card (KTP) atau Driving License (SIM), karena KTP atau SIM ini akan diminta upload nantinya.

Cara Mengisi Form Pendaftaran:
Untuk field dengan tanda bintang (*) harus Anda isi, yang lain boleh Anda kosongkan.

Username (*): Gunakan username/nickname yang bagus, karena akan Anda gunakan untuk chatting dengan sesama trader, misalnya: traderfx, dsb.
Password (*): Kata sandi anda, minimal 8 karakter gabungan huruf dan angka.
First Name (*): Nama depan Anda
Middle Initial: Nama tengah inisial Anda (1 karakter), kosongkan saja (jika anda tak memiliki nama tengah) atau masukkan nama tengah anda ke Last Name (jika anda memiliki nama tengah)
Last Name (*): Nama belakang Anda, jika nama Anda hanya terdiri dari satu suku kata, masukkan nama Anda tersebut di field First Name dan Last Name. Contoh: jika nama Anda adalah Johny, maka masukkan First Name: Johny, Last Name: Johny.
Job Title : Kosongkan saja jika nama di ID/KTP atau driving license/SIM anda tak ada gelar atau isikan Gelar ke kolom ini (jika ada gelar di ID/KTP atau driving license/SIM)
Organization : Kosongkan
Street Address (*): Alamat sesuai dengan ID/KTP atau driving license/SIM Anda.
Additional Address : Kosongkan atau dapat anda isi alamat anda selain yang tercantum di ID/KTP atau driving license/SIM
City (*): Kota Anda sesuai dengan ID/KTP atau driving license/SIM Anda
Zip/Postal Code (*): Kode Pos
State/Province (*): Propinsi misalnya Jawa Barat
Country/Region (*): Negara
Phone (*): Nomer Telpon
Fax : Kosongkan
Mobile : Kosongkan atau isi dengan nomer cellular phone anda
E-mail (*): Alamat e-mail Anda (Harus masih aktif!)
Website : Kosongkan atau isi dengan website anda

Klik tombol Continue =>

User Template (*): Standar Forex Trader
Coupon: Kosongkan bila tak ada orang yang mereferensikan anda (kupon bukan berarti diskon, tapi hanya untuk menandai bahwa anda downline seseorang)
Recovery Question (*): Pertanyaan untuk memulihkan password anda jika lupa, contoh what is your pet's name? (Apa nama hewan peliharaan anda?)
Recovery Answer (*): Jawaban dari pertanyaan Recovery di atas, contoh: Si Manis Jembatan Ancol, maka Isikankan Si Manis Jembatan Ancol apabila nama hewan kesayangan anda adalah Si Manis Jembatan Ancol, disarankan jawaban terdiri dari beberapa kata yang mudah anda ingat, tapi sulit ditebak oleh orang lain.

Klik tombol Next =>

Berilah tanda centang/check/tick pada pilihan:
I have read, understood, and agree with the Service Agreement under which Marketiva Corporation provides it services and products. I have also read and understood the Risk Disclosure statement and I am willing and able to assume such risks.

Setelah itu klik tombol Finish. Proses pendaftaran Anda telah selesai.

B. Untuk melakukan trading, anda membutuhkan Software Trading yang dapat didownload dari SINI
Setelah anda klik bisa memilih menu "save" dan pilih directory untuk menaruh file tersebut misalnya di Desktop. (Jangan menggunakan software / program download ataupun accelerator)

C. Sebaiknya anda melakukan identifikasi account/pengesahan setelah mendaftar.
Tidak HARUS langsung dan bisa menyusul kemudian, tapi jika anda menggunakan warnet / cyber cafe maka SEBELUM LOGIN ke software trading tersebut, sangat disarankan mengupload ID card (KTP) atau Driving License (SIM) agar tak disuspend atau bahkan dihapus account anda. Kecuali jika komputer tempat anda mendaftar tidak pernah digunakan user lain yang login ke software tradingnya.

Bila account anda tersuspend maka jangan membuat account baru karena percuma saja, account baru itu biasanya akan dihapus ataupun segera tersuspend. Jalan satu-satunya untuk mengaktifkan account yang TERSUSPEND adalah MENGUPLOAD dokumen anda.

Bagaimanapun kami sarankan anda sesegera mungkin melakukan identifikasi setelah mendaftar agar mendapat 2 keuntungan yaitu :

Dapat menarik dana
Bebas dari suspend/block bila trading di komputer yang pernah digunakan user lain)

Untuk proses identifikasi, yang diperlukan adalah

Picture Identification: Berupa scan dokumen identitas yang berfoto,misalnya KTP atau SIM,dengan format JPEG berwarna (lebih disarankan) atau minimal greyscale/monochrome (bukan fotokopi!). Ukuran file maksimum 100 Kbyte per lembarnya.
Identification confirming the customer's address: Berupa scan dokumen yang mencantumkan alamat anda, misalnya tagihan telepon,listrik,atau air. NB: Jika anda tidak mempunyai dokumen-dokumen di atas (point no 2),anda dapat hanya menggunakan scan identitas KTP saja.Caranya : Bagi anda yang memiliki KTP baru (dibelakangnya ada gambar peta), silahkan upload scan KTP halaman depannya dua kali sebagai point 1 sekaligus 2 di atas.Tapi bagi anda yang memiliki KTP format lama, bisa upload scan KTP halaman depan yang berfoto sebagai point 1 dan upload halaman belakang yang mencantumkan alamat sebagai point 2.

E-gold (sedang bermasalah karena kasus banyaknya penyalahgunaan sebagai tempat pencucian uang)
E-bullion (seringkali membekukan account tanpa alasan jelas, sekalipun ada dana didalamnya).

Sebaiknya gunakan Liberty Reserve atau Webmoney. Kami menyarankan anda menggunakan Liberty Reserve bagi anda yang kurang mengerti komputer karena prosedur instalasi Webmoney lebih rumit dan perlu menginstall certificate (lebih cocok digunakan di komputer rumah/pribadi anda).
Silahkan mendaftar Liberty Reserve dengan cara klik di SINI

Untuk mendaftar di Webmoney, silahkan daftar di website www.wmtransfer.com (gunakan Webmoney Keeper LIGHT untuk kepraktisan dan kemudahan proses deposit, jangan menggunakan yang Keeper Classic!).

Tapi bila anda tak ingin repot, bisa menggunakan transfer antar bank (Telegraphic Transfer / Wire). Harap diingat bila anda ingin deposit dengan wire transfer HARUS sudah pernah melakukan identifikasi / verifikasi sesuai langkah nomer 3 di atas (cukup 1x). Setelah verifikasi anda bisa memulai deposit lewat wire atau Telegraphic Transfer dengan cara mengisi form deposit wire dulu.

Isi segala data bank anda termasuk no account bank anda yg anda gunakan mis alamat bank anda, no account, swift number,dll. Nantinya data ini akan dicocokkan sewaktu menerima transfer anda. Kemudian setelah itu baru anda bisa melakukan transfer dari bank anda ke bank kami. Jangan lupa sebutkan swift number (kode bank) kami kepada bank anda sewaktu melakukan transfer di bank.

F. Bila anda ingin deposit menggunakan Liberty Reserve, anda harus membeli Liberty Reserve dari exchanger (merchant jual beli e-currency). Jadi anda cukup mendaftar account di exchanger. Setelah mendaftar anda dapat membeli Liberty Reserve dengan cara transfer menggunakan internet banking ataupun transfer manual dari bank anda ke rekening bank exchanger (Pastikan exchanger anda terpecaya untuk memastikan dana anda aman, contoh: juraganegold.com tempat Jual Beli & Tukar E-Gold (EGold), Liberty Reserve, dan Webmoney.

G. Bila anda ingin deposit menggunakan webmoney (Pastikan anda menggunakan "Keeper Light", anda harus membeli webmoney dalam bentuk WMZ (webmoney USD) dari exchanger (merchant jual beli e-currency). Jadi anda cukup mendaftar account di exchanger. Setelah mendaftar anda dapat membeli WMZ dengan cara transfer menggunakan internet banking ataupun transfer manual dari bank anda ke rekening bank exchanger (Pastikan exchanger anda terpercaya untuk memastikan dana anda aman, contohnya : juraganegold.com - Jual Beli & Tukar E-Gold (EGold), Liberty Reserve, dan Webmoney).

Skema pembelian e-currency untuk deposit:
Anda bayar dalam bentuk Rp atau USD ke rekening bank Exchanger >> Exchanger mengirim e-currency ke rekening e-currency anda >> Dana masuk ke Rekening e-currency dalam bentuk e-currency (misal Liberty Reserve).

Skema penjualan e-currency untuk pencairan e-currency ke Rupiah atau USD:
Anda bayar dalam bentuk e-currency ke rekening e-currency Exchanger >> Exchanger mengirim RP atau USD ke rekening bank anda >> Dana masuk ke rekening bank anda dalam bentuk Rp atau USD

H. Jika anda telah LOGIN ke software trading dan masih tak mengerti (bingung) dapat menghubungi support yang ada untuk bertanya. Untuk bahasa Indonesia atau Malaysia silahkan klik di tombol "Groups" di sebelah atas dan klik di channel "International Support", kemudian klik OK. Ingat bukan channel "International".

Waktu trading forex menggunakan uang Real (LIVE) adalah mulai Senin pukul 4 pagi WIB (DST) / 5 pagi WIB (EST) hingga sabtu 4 pagi WIB (DST) / 5 pagi WIB (EST) (Bila menggunakan New York Time Zone adalah mulai 17.00 Minggu hingga 17.00 Jumat). Untuk trade menggunakan uang Demo (Virtual) adalah 7 hari seminggu.

Selamat Belajar Forex, Selamat Belajar Valas, Sukses Untuk Forex Trading Valas Anda!

2008-02-17T05:44:00.000-08:00

Tutorial Forex Trading / Valas Trading

Sekilas mengenai Forex
Pasar Devisa, juga dikenal sebagai " Forex" atau " FX" pasar adalah pasar uang yang paling besar di dunia, dengan harian rata-rata perputaran diatas US$1 trilyun, 30 kali lebih besar dari volume yang dikombinasikan dari semua pasar saham di dunia.

Devisa adalah pembelian dari satu mata uang dan penjualan dari yang lain. Sebagai contoh Euro/US Dolar ( EUR/USD) atau US Dollar/Japanese. Ada dua pertimbangan untuk jual bell mata uang. Sekitar 5% dari perputaran yang sehari-hari adalah dari perusahaan dan pemerintah yang membeli atau menjual produk dan jasa dalam suatu negeri yang asing atau harus mengkonversi laba mata uang asing ke dalam mata uang domestik mereka. Yang lain 95% perdagangan untuk laba, atau spekulasi.

Untuk spekulan, jauh lebih baik dalam berdagang/bertransaksi "Forex" karena peluang untuk mendapatkan profit/keuntungan yang lebih besar dan cepat, membeli atau menjual satu mata uang lain dengan harapan bagaimana membuat suatu laba ketika nilai dari mata uang berubah. Saat ini, lebih dari 85% dari semua transaksi sehari-hari melibatkan perdagangan dari mata uang dunia yang fluktuatif, yang meliputi US Dolar, Yen Jepang, Euro, Poundsterling, Swiss Franc, dll. Transaksi Forex saat ini dapat dilakukan dengan cara melalui online trading, dimana para investor dapat melakukan langsung transaksi perdagangan Forex via internet dengan real time pergerakan harga.

Pemahaman membaca bid/ask Forex
US Dollar merupakan sebagai mata uang pembanding di pasar Forex. Contoh dalam hal ini, USD/CHF, USD/JPY. Jika pada pergerakan harga Forex terjadi USD/JPY = 120.01, maka artinya adalah USD$ 1 = JPY 120.01. J ika dalam pergerakan harga Forex, mata uang kedua dimana pembandingnya adalah USD$, mengalami kenaikan, maka artinya mata uang asing tersebut sedang dalam keadaaan melemah terhadap USD$. Contoh : Pergerakan USD/JPY yang semula = 120.01, berubah menjadi 123.01, maka berarti, mata uang Jepang (JPY) sedang mengalami pelemahan terhadap USD$.

Pengecualian terhadap aturan dasar bahwa USD$ adalah sebagai mata uang dasar adalah untuk GBP ( Poundsterling ), AUD$ ( Australian Dollar ), EUR ( Euro ). Contoh : GBP/USD = 1.4366, ini berarti 1 GBP = 1.4366 USD, mata uang USD$ sedanga mengalami pelemahan terhadap GBP.

Dalam pergerakan harga di Forex, selalu terlihat adanya harga "bid" ( harga jual/SELL) dan "ask" ( harga beli/BUY). Harga "bid" merupakan penetapan harga untuk menjual suatu mata uang, dan harga "ask" merupakan penetapan harga untuk membeli suatu mata uang. Dengan kata lain, dalam membaca pergerakan harga pasar Forex, mata uang pertama merupakan sebagai mata uang dasar, dan mata uang kedua merupakan sebagai obyek pembanding. Bila pergerakan harga mengalami kenaikan angka, maka mata uang obyek pembanding mengalami pelemahan, bila pergerakan harga mengalami penuran angka, maka mata uang obyek pembanding mengalami kenaikan.

Bid = Harga Jual Ask = Harga Beli
High = Harga tertinggi yang terjadi pada saat/hari itu
Low = Harga terendah yang terjadi pada saat/hari itu.
Symbol = Jenis Mata uang yang diperdagangkan

Bila anda ingin melakukan SELL (Jual), maka harga yang anda dapatkan adalah harga di bagian BID, sedangkan bila anda ingin BUY (Beli), maka harga yang anda dapatkan adalah harga dibagian ASK

Contoh :

Bila kita mengambil posisi transaksi Beli/Buy/Long pada mata uang EUR/USD, di level harga 1.2649 (harga pada ASK) dengan jumlah quantity (lot) sebanyak 10 lot. Maka untuk mendapatkan Keuntungan/Profit, posisi tersebut harus DITUTUP/Closed bila harga pada kolom SELL ( angka sebelah kiri / BID ) menunjukkan harga di level 1.2649 atau lebih. Tetapi bila posisi Beli/Buy/Long kita tersebut DITUTUP/closed pada level harga 1.2649 atau kurang, maka transaksi mengalami Kerugian/Loss.

Perbandingan Forex (pasar valuta asing) dengan Saham

Jika anda tertarik akan perdagangan mata uang online (online trading), anda akan temukan bahwa Forex menawarkan beberapa keuntungan diatas Pasar Modal/Pasar Saham lainnya.

a. 24 Jam Transaksi Perdagangan Forex

Forex adalah suatu pasar perdagangan 24 jam, menawarkan suatu keuntungan yang lebih dari atas pasar modal/pasar saham. Di suatu tempat di dunia selalu ada para pembeli dan para penjual dengan aktif berdagang mata uang asing. Pedagang dapat selalu bereaksi terhadap berita, dan P&L/Rugi-Laba tidaklah terpengaruh oleh jam kerja laporan atau konferensi/laporan analis.

b. Likuiditas Superior

Dengan tingkat volume perdagangan Forex yang 50x lebih besar dari Pasar Bursa New York, selalu ada broker/dealers berkeinginan membeli atau menjual mata uang di pasar Forex. Likwiditas dari pasar ini, terutama mata uang yang utama nya, bantuan untuk memastikan stabilitas harga. Pedagang hampir dapat selalu terbuka atau dekat suatu posisi pada suatu harga pasar yang adil.

Cara Manajemen yang paling efektif dalam transaksi di pasar Forex adalah dengan menghitung secara teliti dan ketat hubungan antara resiko dan margin/dana yang digunakan secara tertib dan konsisten menggunakan batasan-batasan penghentian oreder/transaksi yang akan dilakukan. Memikirkan dan menetapkan pada suatu sistem analisa dalam transaksi Forex, dan mengkontrol emosi diri.

c. Kesempatan 2 Arah

Dalam transaksi Forex, anda akan mendapatkan kesempatan untuk meraih profit/keuntungan dalam 2 arah perdagangan, yaitu saat harga naik maupun turun. Contoh : USD/JPY = 103.45, diperkirakan mata uang Yen Jepang akan melemah terhadap USD$, maka action/transaksi yang harus anda lakukan adalah dengan membeli (BUY). Jika diperkirakan mata uang Yen Jepang menguat terhadap USD$ maka action/transaksi yang harus anda lakukan adalah menjual (SELL).

uptrend, harga bergerak naik (BUY atau LONG)
downtrend, harga bergerak turun (SELL atau SHORT)
Dana yang dibutuhkan dalam Transaksi Forex

Perbandingan 100:1
Dalam Forex, perbandingan 100:1 dapat diartikan bahwa anda bisa melakukan transaksi beli/jual mata uang asing hanya dengan menggunakan margin/dana sebesar 1% dari nilai sebenarnya. Contoh : bila anda ingin melakukan aksi Buy untuk Franc Swiss, maka dana jaminan yang harus anda keluarkan hanya sebesar USD$1,000 dari nilai sebenarnya yaitu USD$100,000 untuk 1 lot.

Dengan begitu, anda bisa meningkatkan daya beli/jual dalam bertransaksi di pasar Forex dengan lebih sedikit pengeluaran tunai yang harus dikeluarkan. Dalam hal ini dapat memperbesar laba/profit dan memperkecil resiko/kerugian.

Contoh Transaksi :

Dalam investasi perdagangan Forex, anda menanamkan dalam account/rekening perdagangan sebesar USD$10,000. Anda memprediksikan/memperkirakan bahwa harga USD$ saat ini adalah harga rendah dan akan menguat terhadap Franc Swiss.

Untuk strategi ini, maka anda harus melakukan aksi beli (buy) dan menantikan kenaikan nilai tukar

Saat anda melakukan aksi beli tersebut, harga bid/ask untuk USD/CHF adalah 1.6322/1.6327. ( yang artinya anda bisa membeli diharga 1.6327 atau menjual di harga 1.6322.). Bila anda melakukan aksi beli, berarti anda melakukan transaksi beli di harga 1.6327.

Dengan perbandingan 100:1, maka anda dapat membeli 1 lot dengan margin/dana jaminan sebesar USD$1,000. Dengan begitu, dana investasi dalam account/rekening anda akan berkurang USD$1,000 menjadi USD$9,000 ( dimana dana jaminan USD$1,000 ini akan dikembalikan ke rekening dagang anda pada saat anda telah menutup transaksi yang berjalan ).

Seperti yang telah anda perkirakan sebelumnya bahwa USD$ akan menguat terhadap Franc Swiss, hingga nilai tukar USD/CHF mencapai 1.6435/40. Maka anda dapat menutup transaksi anda dengan melakukan aksi jual (sell) pada nilai 1.6435.

Perhitungan :

Harga Tutup - Harga Buka = 1.6435 - 1.6327 = 0.0108 point
profit = 0.0108 x USD$100,000 = CHF 1,080
profit dalam USD$ = 1080 : 1.6435 = USD$ 657.13

Resume :

Investasi awal = USD$ 10,000, dana yang digunakan : USD$ 1,000
Profit = USD$ 657.13, Return on Investment = 65,7%

Waktu Transaksi Forex

Timezone New York (ET/EST) GMT WIB
Tokyo Open 7:00 pm 00:00 7:00
Tokyo Close 4:00 am 9:00 16:00
London Open 3:00 am 8:00 15:00
London Close 12:00 pm 17:00 00:00
New York Open 8:00 am 13:00 20:00
New York Close 5:00 pm 22:00 5:00

Timezone New York (DST) GMT WIB
Tokyo Open 7:00 pm 23:00 6:00
Tokyo Close 4:00 am 8:00 15:00
London Open 3:00 am 7:00 14:00
London Close 12:00 pm 16:00 23:00
New York Open 8:00 am 12:00 19:00
New York Close 5:00 pm 21:00 4:00

Pemahaman Analisa Teknikal (grafik)

Analisa teknis adalah suatu metoda meramalkan pergerakan harga dengan memperhatikan data yang semata-mata market-generated. Menggunakan data dari pasar tertentu adalah paling umum dalam jenis informasi yang dianalisa oleh suatu teknisi, meskipun demikian akan juga menyimpan dan mengamati secara seksama volume dan membuka minat pada masa depan kontrak.

Dasar-dasar analisa teknikal yang sering digunakan oleh para trader/pialang/pelaku pasar Forex :

Trend, pergerakan harga mata uang dengan menunjukkan suatu kecenderungan arah pergerakan - up, down, or flat.

Bullish vs Bearish

1. Bullish, berasal dari kata 'Bull' atau sapi jantan, menunjukkan indikasi pergerakan harga untuk bergerak up atau naik
2. Bearish, berasal dari kata 'Bear' atau beruang, menunjukkan indikasi pergerakan harga untuk bergerak down atau turun

Support & Resistance

1. Support, area harga di mana ditemukan bahwa sulit harga pasar untuk menembus lebih rendah.
2. Resistance, area harga di mana ditemukan bahwa sulit harga pasar untuk menembus lebih tinggi.

Pemahaman Analisa Berita (fundamental)

Analisa pokok berita memusat pada bidang ekonomi, sosial, politik dan perang yang dapat memacu adanya suatu permintaan dan penawaran. Analis yang pokok memperhatikan berbagai indikator yang macroeconomic seperti daftar biaya pengiriman barang-barang pertumbuhan ekonomi, tingkat bunga, inflasi, dan pengangguran.

Bagaimanapun, anda akan harus sampai pada suatu metoda yang tepat seperti bagaimana terbaik untuk menterjemahkan informasi ini ke dalam masukan dan poin-poin jalan keluar tertentu dalam strategi transaksi Forex.

Harga mata uang mencerminkan keseimbangan permintaan dan penawaran untuk mata uang. Dua faktor yang utama yang mempengaruhi permintaan dan penawaran adalah tingkat bunga dan keseluruhan kekuatan ekonomi. Indikator yang ekonomi seperti GDP, investasi asing, dan saldo/timbangan perdagangan mencerminkan kesehatan yang umum dari suatu ekonomi, oleh karena itu, bertanggung jawab untuk mendasari permintaan dan penawaran pergeseran dalam untuk mata uang itu.

Bagi pedagang Forex, berita adalah semua hal yang membuat suatu negeri berdetak. Dari tingkat bunga dan kebijakan bank sentral ke bencana yang alami, berita adalah suatu campuran yang dinamis dari rencana yang terpisah, perilaku yang tak menentu dan peristiwa yang tak terduga. Oleh karena itu, cara terbaik untuk mendapatkan suatu berita paling berpengaruh adalah untuk merumuskan secara menyeluruh semua " Fundamentals" atau berita yang ada.

Resiko Investasi

High Risk Investment - Perdagangan Forex/Futures pada dasarnya membawa resiko yang lebih tinggi, dan tidak boleh investor tidak peduli dengan segala resiko yang ada. Sebelum memutuskan untuk transaksi Forex/Futures, anda perlu secara hati-hati mempertimbangkan sasaran hasil investasi anda, tingkat pengalaman, dan segala resiko. Kemungkinan ada bahwa anda merugi dari investasi ini. Anda harus sadar akan semua resiko dihubungkan dengan perdagangan valuta asing, dan mencari nasihat dari suatu penasehat keuangan mandiri jika anda mempunyai keraguan.

Internet Trading Risk - Ada resiko dihubungkan dengan pemanfaatan suatu pelaksanaan yang Internet-based yang mencakup, tetapi tidak membatasi pada, kegagalan dari perangkat keras, perangkat lunak, dan Internet koneksi.

2008-02-17T05:42:00.000-08:00

Forex Trading / Valas Trading Sebagai Profesi Idaman

Rupiah terpuruk, perekonomian gonjang-ganjing, dan negara di ambang kebangkrutan. Ekonom bersuara, tak ketinggalan pula para anggota DPR. Pengamat baru bermunculan. Makin bingunglah orang. Uraian siapakah yang jadi pegangan? "Tak ada yang bisa memberikan gambaran soal pasar uang dengan lebih jelas selain para pemain Forex (Valas)," kata Theo Francisco Toemion (42), pengamat pasar uang sekaligus pemain Forex (Valas), meski kini lebih banyak membagi pengetahuan soal dunia yang telah belasan tahun ditekuninya itu kepada orang lain.

Kisah & Cerita Trader Sukses Trading Forex (Valas) Ada perbedaan antara pandangan para pakar dengan Theo F. Thoemion sehubungan dengan krisis ekonomi yang memburuk sejak kuartal terakhir tahun lalu. Pihak pertama lebih melihat krisis berpangkal pada lemahnya sistem perbankan, kebocoran anggaran, buruknya pengawasan, monopoli, kolusi, korupsi, nepotisme, dan ekonomi biaya tinggi. Sedangkan Theo lebih melihat ulah spekulan di pasar uang sebagai sebab paling dominan. Sisi-sisi negatif penyebab keroposnya fondasi ekonomi itulah yang menyebabkan krisis tak segera bisa diatasi. Kalau Korea, Thailand, Filipina, Singapura, dan Malaysia bisa pulih dalam hitungan bulan, negara kita jauh lebih lama.

Sebagai pelaku pasar Forex (Valas), Theo tahu betul, tanda-tanda bencana telah muncul sejak lama. Semuanya adalah permainan para fund manager atau pemain pasar Forex (Valas), yang diwarnai keinginan untuk menguji ketangguhan otoritas moneter suatu negara. Ia tahu bagaimana pedagang besar Forex (Valas) - yang acap disebut spekulan - semacam George Soros memainkan peran dalam Yendaka, melambungnya nilai tukar Yen terhadap AS $, pada 1994. Ia juga mencatat, permainan para spekulan di Eropa memaksa pembahasan mata uang tunggal Eropa (Euromoney) lebih diintensifkan pada 1996. Selewat masa itu, para spekulan memang menurunkan aktivitas. Tapi lewat media massa Theo memperingatkan, "Hati-hati, bukan mustahil mereka akan mengalihkan perhatian ke Asia," begitu antara lain tulisnya saat itu. "Mereka menunggu kesempatan bermain mata uang menarik, exotic currencies seperti Won, Bath, Peso, Ringgit, atau Rupiah. Jangan lupa, Indonesia negara kaya. Karena itulah mereka membidik kawasan ini, bukan ke Afrika, misalnya."

Betapa tidak. Salah satu kawasan paling dinamis di dunia, dengan pertumbuhan ekonomi tiap negara rata-rata 7%/tahun, itu tak punya batasan berarti bagi lalu-lintas devisa. Otoritas moneternya juga belum teruji. Kalau dalam persaingan di Amerika, Eropa, dan Jepang para spekulan sering kalah, siapa tahu di kawasan ini. Maka bermainlah mereka.

Pertengahan tahun lalu, saat pemerintah memperlebar pita intervensi, mereka menangkap sinyal "tantangan" itu, dan terpacu gairah untuk bermain dengan Rupiah. Ketika Oktober 1997 duet Soedradjat Djiwandono - Mar'ie Muhammad memutuskan untuk melepas ambang intervensi, mereka pun mendobrak. Rupanya, keputusan historis untuk membiarkan Rupiah mengambang bebas itu tak didukung kondisi yang cukup. Nilai tukar dikuasai dan dimainkan, bahkan dalam seminggu bisa terdepresiasi sampai 50%. Utang membengkak, harga barang melonjak, produksi mandek, banyak perusahaan bangkrut. Inflasi membubung, dan perekonomian nyaris ambruk. Tak disangka, fondasi ekonomi kita demikian keropos.boleh ada berita buruk.

Ada 4 faktor yang menurut Theo bisa jadi penentu naik turunnya kurs: fondasi ekonomi makro, carta/grafik berdasarkan rumus, faktor teknis-psikologis, dan ulah para spekulan. Soal fondasi ekonomi, menurut Theo, pasar telah mendapat bukti rentannya perekonomian kita. Carta atau grafik pun sudah dibuat saat kita menempuh rezim devisa terkontrol; misalnya dengan mematok depresiasi tahunan 3 - 4%. Sedangkan faktor psikologis sangat berhubungan dengan ulah spekulan, apa lagi dalam rezim devisa bebas. "Sekali pasar memperoleh bukti mata uang suatu negara bisa didikte, mereka mendikte terus."

Pendiktean harga, yang terjadi setelah ada dorongan psikologis, berawal dari berita-berita politik yang berpotensi "dimainkan". Theo menunjuk contoh, seluruh dunia tahu Indonesia pra-11 Maret 1998 menghadapi suksesi. Maka berita tentang Presiden Soeharto dan situasi sosial politik menjadi bahan permainan spekulan. Keadaan sakit, yang dalam bahasa Inggris bisa dirumuskan dalam beberapa kata, mulai dari He's sick, He's ill, sampai He's seriously ill, mengakibatkan beraneka nilai kurs.

Memang benar. Menurut catatan Theo, grafik penurunan itu berlangsung sejak bank sentral ketahuan tak punya nyali sehingga menyebabkan Rupiah turun dari Rp 3.000,- ke Rp 3.800,- terhadap AS $. Angka turun lagi ke Rp 4.400,- karena Pak Harto istirahat. Kemudian menjadi Rp 4.800,- karena imbas krisis Korea, turun ke Rp 5.600,- karena Pak Harto batal ke Malaysia, dan dari Rp 6.200,- ke Rp 9.000,- karena pencalonan B.J. Habibie sebagai wakil presiden. Kurs membaik setelah penandatanganan nota kesepakatan dengan IMF 15 Januari, namun turun lagi setelah terjadi beberapa kerusuhan dan demonstrasi.

Kenyataan itu membuktikan, dalam rezim devisa bebas segala berita dan peristiwa baik menjadi syarat utama. Dalam berbagai kesempatan Theo mengingatkan, membiarkan Rupiah mengambang bebas sama dengan bunuh diri tanpa dibarengi perbaikan di segala sektor yang akhirnya melahirkan berita buruk. Percuma ada janji segala macam reformasi, penghapusan monopoli dan oligopoli, tetapi tak ada wujudnya.

Dapat dimengerti, naik-turunnya nilai Rupiah tak lagi ditentukan oleh hukum ekonomi, keseimbangan antara penawaran dan permintaan. "Tak ada teori yang bisa menjelaskan hal ini," kata Theo. "Saat masyarakat makin tahu persoalan, omongan para ekonom sering diabaikan. Pemain seperti saya yang diperhatikan"

Lantas, berapa kurs AS $ yang wajar? "Ambil nilai terakhir sebelum krisis Rp 2.400,-. Ditambah 80%-lah, sekitar Rp 4.320,-." Penjelasannya, dalam 10 tahun terakhir perbedaan suku bunga antara AS $ dan Rupiah sekitar 10%. Suku bunga AS $ 5% dan suku bunga Rupiah 15%. Selisihnya 10%, dan dalam 10 tahun menjadi 100%. Sementara depresiasi per tahun, katakanlah 4%. Jadi dalam 10 tahun menjadi 40%. "Nah, selisih antara perbedaan suku bunga dan depresiasi dalam 10 tahun, 100% - 40% = 60%. Tak usah dipatok 60%; beri kemungkinan sampai 80% untuk ditambahkan pada kurs terakhir. Jadi 180% dari Rp 2.400,- = Rp 4.320."

Tapi sekali lagi kenyataan membuktikan, segala teori dan hukum ekonomi tak berlaku bagi kurs yang liar karena permainan.

Kalau kita konsisten, pasar akan respek

Kisah & Cerita Trader Sukses Trading Forex (Valas) Dunia perdagangan Forex (Valas) dewasa ini bagaikan dikontrol para fund manager besar yang disebut big boys. Menurut Theo, jumlah big boys yang tercatat saat ini 2.500 orang. Akumulasi modal mereka sekitar AS $ 1.300 miliar, dan dalam keadaan terpaksa bisa mendapat pinjaman hingga 10 kali lipatnya. Jumlah ini sungguh raksasa, sebab cadangan devisa negara-negara kaya yang tergabung dalam OECD pun kalau digabung tak lebih dari AS $ 700 miliar. Maka bisa dibayangkan betapa konyolnya gagasan untuk melawan spekulan dengan cadangan devisa hanya AS $ 20 miliar, misalnya.

Dari 2.500 big boys itu terbawa serta ribuan orang lain sebagai mitra atau pelaksana. Sudah menjadi kebiasaan, pengambilan posisi para pelaksana ditentukan oleh tokoh besar. Jika Soros, misalnya, mengambil posisi Rp 9.000,- untuk 1 AS $, yang lain pasti mengikuti. Jika esoknya Soros menjual dengan harga Rp 9.500,-, yang lain pun pasti ikut. Semua serempak, dan begitulah nilai mata uang dimainkan.

Kalau mata uang suatu negara dipatok pada nilai tetap, spekulan memang tidak lagi bisa main. Hanya saja, menurut Theo, konsekuensinya ada dalam perekonomian negara yang bersangkutan. Bagi Theo, reformasi ekonomi apa pun yang dipilih pemerintah tak penting benar, asal bisa mengatasi segenap konsekuensinya. Misalnya, pelepasan batas intervensi mensyaratkan perbaikan ekonomi total, sedangkan pematokan nilai uang mensyaratkan cadangan devisa yang cukup dan perbankan yang sehat.

"Tak bisa pula dilepaskan faktor keberanian bank sentral. Kepada siapa pun yang mau memaksakan kehendak, bank sentral tak boleh setengah hati. Kalau perlu habis-habisan berintervensi. Jika ini terus berlanjut, dan dunia membuktikan konsistensi kita, pasar pun akan segan," kata Theo. "Betapa pun kuat dan nafsunya spekulan, kalau menghadapi otoritas moneter yang teguh dan konsisten, mereka juga berpikir untuk main-main. Seperti pernah dialami Hongkong, para spekulan menghentikan serbuan karena tahu Inggris berada di belakangnya. Tak seorang pun ragu ketangguhan sistem keuangan Inggris."

Kasus Indonesia, menurut Theo, adalah bukti kesekian dari pelecehan para big boy terhadap otoritas moneter. Permainan selisih kurs antara Rupiah - AS $ jauh lebih mudah ketimbang permainan selisih kurs Yen - AS $ atau Mark Jerman - AS $ yang didukung otoritas moneter sangat berwibawa, dan karenanya disebut hard currencies. Akibatnya sangat mudah diterka, bahkan oleh ibu-ibu rumah tangga, pihak yang acap disalahkan karena dikira ikut-ikutan berspekulasi. Masalahnya, menurut Theo, selain tuduhan itu tak benar karena jumlahnya tak seberapa dibandingan dengan aktivitas pasar uang, pemikiran para ibu sangat simpel. Jika dulu mudah menghitung depresiasi, 3 - 4% setahun, siapa sangka tiba-tiba depresiasi bisa 20% dalam sehari? Kalau punya simpanan Rupiah dan berbunga, katakanlah 40%, pada akhir tahun tak akan mencapai jumlah jika didolarkan. Pada akhirnya memang tak ada pihak yang bisa disalahkan kalau terjadi perburuan mata uang asing, karena negara menganut rezim devisa bebas.

Menggelinding seperti bola salju

Di pasar uang, komoditas yang diperdagangkan tak cuma valuta asing. Menurut Theo, meski pemerintah mematok kurs Rupiah, tak berarti kegiatan berhenti. Ada pelbagai macam surat berharga dan surat-surat komersial yang diperdagangkan.

Memang, belakangan problem ekonomi negara kita tak cuma berasal dari dalam negeri, melainkan dari luar negeri. Lembaga pemeringkat semacam Standard's & Poor, sekalipun banyak dicibir, pengaruhnya terhadap pasar sangat besar. Peringkat buruk yang disandangkan kepada Indonesia, Maret lalu, adalah klimaks dari kesulitan eksternal. Alat pembayaran berjangka seperti letter of credit (L/C) tak diterima, investor asing pun tak serta merta datang buat menanamkan modal. "Dengan peringkat itu, pembeli kertas berharga dari Indonesia tak lagi dianggap berinvestasi, melainkan dicurigai mau berspekulasi," kata Theo. "Kalaupun saya, misalnya, menempatkan diri sebagai broker untuk mendatangkan uang dari investor asing, sekarang ini sangat sulit. Ketidakpercayaan demikian kuat, perlu waktu lama untuk memulihkannya."

Pasar uang dunia memang sulit dilawan. Kalau kekayaan big boys sangat besar, itu konsekuensi dari hakikat pasar uang. "Istilahnya a snowball business, bisnis yang menggelinding bagai bola salju. Orang harus jadi besar untuk survive."

Bisnis pasar uang, menurut Theo, menganut filosofi dasar: bukan soal berapa jumlah uang yang akan Anda peroleh, melainkan berapa jumlah uang yang siap Anda habiskan. Gambarannya, jika seseorang kerja keras sepanjang tahun hingga memperoleh uang Rp 1 miliar, akan sangat keliru kalau menggunakannya untuk main forex. Tetapi jika seseorang mendapat lotere Rp 1 miliar, yang Rp 800 juta untuk beli rumah/tanah, Rp 100 juta untuk beli kendaraan, dan sisanya untuk main forex, silakan saja. "Maka, kalau ada seorang fund manager siap menghabiskan AS $ 5 miliar di pasar forex, tak terbayang berapa besar kekayaannya"

Kisah & Cerita Trader Sukses Trading Forex (Valas) Bisnis di pasar uang tak sama dengan judi. Kata Theo, jika judi nasib pelaku 100% tergantung pada kartu, "Di pasar uang ada hal-hal yang bisa diperhitungkan dan dicarikan peluang."

Menurut Theo, ada 7 tingkat yang harus dicapai untuk betul-betul memahami bisnis ini. Selain 4 faktor penentu nilai mata uang yang sudah disebut tadi, ada beberapa hal lain seperti lobi atau hubungan, termasuk kemampuan berbahasa, faktor intelijen alias daya endus informasi, dan hal paling abstrak dan sulit, sehingga orang tak sanggup berpikir lagi. "Misalnya, semua faktor telah terpenuhi, prediksi sudah dilakukan, tapi tak ada action. Ketika faktanya sama dengan yang sebelumnya telah diperhitungkan, muncul rasa sesal kenapa tidak begini kenapa tidak begitu. Itulah yang saya maksud tingkat ketujuh."

Sekalipun menggiurkan, bisnis di pasar uang penuh kekecewaan. "Karena apa? It's about money. Orang hanya tergiur melihat angka. Mereka ramai-ramai bermain, sementara tatanan dan hukumnya tak mudah dipelajari. Lagi pula dunia itu sudah dikuasai mafia, big boys, dalam cara kerja yang terintegrasi. Apa pun permainan para pendatang, mafia-lah yang memperoleh keuntungan"

Menurut Theo, setelah perang dingin reda dan komunisme runtuh, tak ada lagi kekuatan yang punya daya penghancur sangat dahsyat selain uang. "Ketika uang menjadi komoditas, dampaknya global. Bencana keuangan di suatu negara segera bisa merembet ke negara lain. Siapa sekarang orang kaya di kawasan krisis yang merasa terjamin hingga 7 keturunan? Tak terbayangkan, uang bisa berlipat kali atau hancur sama sekali hanya dalam hitungan hari."

Jika ditarik ke dimensi filosofis, kata Theo, krisis ekonomi adalah akibat ulah manusia yang menganggap uang sebagai ideologi. Fakta menunjukkan, miliaran AS $ telah menguap entah ke mana. Lembaga keuangan banyak yang rugi, Soros rugi, demikian pula para big boy. Tak jelas ke mana uang-uang itu pergi.

"Inilah tanda-tanda zaman," kata Theo. "Tuhan kasih antibiotik untuk mereka yang terlalu menghamba pada uang. Orang kaya pusing, konglomerat pusing. Rasain."

Main uang karena ingin menikmati hidup

Terjunnya Theo di kancah pasar uang agaknya tak terduga sebelumnya. Pria kelahiran Manado, 21 September 1956, ini semula berangan-angan jadi pastor, tapi dikeluarkan saat naik ke kelas 3 Seminari Menengah Tomohon tahun 1974. Anak ke-4 dari 7 bersaudara ini sama saja dengan ayah, paman, para sepupu, dan saudaranya, yang pernah masuk ke seminari namun gagal jadi pastor. "Saya menanggung harapan besar. Nilai dan aktivitas sekolah bagus. Maka ibu terguncang dan jatuh sakit ketika saya keluar," kenangnya.

Pastor pembimbing waktu itu mengatakan, ia akan lebih sukses hidup di luar biara. Kendati sedikit menyesalkan keputusan itu, ia berbalik haluan. Ia melamar ke Bank Indonesia dan diterima di BI cabang Surabaya. Setelah 2 tahun bekerja, timbul keresahan di antara teman-temannya yang cuma berijazah SMA. Sebab dengan begitu, mereka tak mungkin bisa masuk jajaran staf. "Nggak bakal pakai dasi dong seumur-umur," papar Theo mengenang.

Nampaknya BI tanggap pada kegalauan itu dan mengadakan seleksi untuk promosi. Yang lolos akan disekolahkan sejajar dengan universitas. Dari BI Surabaya lulus 4 orang, salah satunya Theo. Sementara dari seluruh Indonesia terjaring 60 orang. Mereka dimasukkan ke Pendidikan Ahli Administrasi dan Keuangan Bank di Jakarta, menjalani pendidikan maraton dari pukul 08.00 - 17.00 setiap hari dengan fasilitas penuh, selama 3 tahun. "Gelarnya sejajar akuntan, tapi BI nggak kasih gelar, takut kami keluar."

Sempat bekerja di bagian pengawasan BI selama setahun, ia kembali mengikuti seleksi intern guna ditempatkan di London. Dari 40 peserta hanya Theo yang lulus. Di London ia langsung jadi staf termuda pada umur 23 tahun. Kesempatan di sana ia gunakan untuk mengikuti serangkaian pelatihan dan praktek. Belajar forex di Paris, London, Amsterdam, dan Kopenhagen. Mempelajari bank sentral di Denmark dan Belanda, menggeluti cadangan emas di Swis, juga duduk dan bermain di banyak ruang transaksi forex. "Waktu itu kepala dealing room Jakarta pindah, jadi saya disiapkan untuk menggantikannya. Saya sadar, untuk jadi dealer harus punya pengalaman dan cakrawala dengan duduk di pusat keuangan dunia."

Penempatan dealer di BI sebenarnya bertujuan untuk mengelola cadangan devisa sejumlah AS $ 6 miliar dengan menempatkannya di posisi yang tepat. Bukan untuk memperdagangkannya. "Maka di luar jam kerja, saya main margin trading atas nama pribadi, bukan BI."

Setelah 5 tahun bermukim di Inggris, Theo sebenarnya ingin pulang ke tanah air, tetapi pemerintah Inggris mengetahui reputasinya dan memberi izin tinggal tetap. Ia bisa bekerja apa saja. "Wah, percaya dirilah saya. Pekerjaan BI yang diidamkan banyak orang nggak terlalu menggiurkan lagi," kata Theo.

Maka, ketika benar-benar pulang ke Indonesia ia sekaligus minta izin keluar dari BI untuk masuk ke London School of Economics (LSE). Maksudnya sebagai batu loncatan untuk bekerja di Bank Dunia atau IMF. Tapi keasyikan bermain forex membuatnya malas bersekolah. "Jiwa saya player, jadi saya tak jadi masuk LSE meskipun sudah diterima. Saya main valas terus, dan ingin menikmati hasilnya. Saya ingin menikmati hidup bukan sebagai pegawai BI yang bertahun-tahun cuma bisa naik mobil sederhana."

Saat main margin trading, pertengahan 1980-an, modal dengkul masih berlaku. Modalnya dipinjami, tapi kalau untung masuk kantung sendiri. Pokoknya main untuk meramaikan. Masa itu tak sulit mereguk untung lantaran pasar gampang diterka. Dolar turun searah. Tapi sejak 1987, peluang meraup keuntungan makin sulit. Selain pemain makin banyak, modal pun mulai diatur. Saat itulah Bank Duta terpuruk karena permainan valas.

Soal kesempatan meraup untung memang tak ada yang lebih cepat daripada main valas. "Saya masih ingat, hanya dengan mengangkat telepon dari vila di Puncak sambil main gaple dan makan pisang goreng, bisa dapat AS $ 60.000 semalam."

Kisah & Cerita Trader Sukses Trading Forex (Valas) Telepon memang diibaratkan cangkulnya buat cari makan. Juga berbagai perangkat komunikasi. Baik untuk bertransaksi ke seluruh dunia, memantau pasar yang berjalan 24 jam sehari, juga melihat kerugian dan keuntungan uangnya. "Tapi hidup saya tak habis di sana. Apa lagi saya harus membagi pengetahuan kepada banyak orang. Kalau menulis dan bikin analisis, saya tak main. Saya meramal dan menghitung, biar orang lain yang dapat keuntungan."

Theo tak terikat pada suatu lembaga keuangan. Kalau mau main, ia sendiri yang menentukan. Sejak tahun lalu, ia mendirikan perusahaan jasa konsultasi pasar uang Speed Currency. Bagi yang ingin tahu atau ingin main valas boleh jadi pelanggan. Dengan membayar AS $ 100/bulan, Theo pun memberi analisis dan panduan.

"Cita-cita saya membuat Speed Currency seperti Bloomberg. Ia besar dan disegani, meski awalnya juga dirintis di garasi," ia menunjuk garasi di rumahnya yang berhalaman luas di kawasan Lebak Bulus, Jakarta Selatan. Ia mempekerjakan 4 orang yang, selain mengolah analisis, juga bertindak sebagai fund manager. "Mereka jago-jago yang tak bisa dianggap remeh, karena lewat tangannya sering terjadi transaksi miliaran dolar," kata Theo bangga.

Karena bekerja di rumah, Theo tak terikat pada aturan dan jadwal kerja yang pasti. Ia adalah pegawai bagi dirinya sendiri. Juga pegawai yang mengantar anak-anak ke sekolah, menemani mereka bepergian, bahkan mendampingi saat mereka mau tidur.

Theo menganggap, anak-anak lebih memerlukan kebersamaan ketimbang uang. Tak soal ia telah punya vila di Puncak, Jawa Barat, dan hotel di atas tanah 10 ha di Manado. Anak-anak pula yang menghadirkan cerita unik bagi perjalanan hidup Theo. Saat masih di dalam kandungan, kecuali si bungsu Daniel (hampir 2 bulan), mereka berada di tempat yang jauh dari rumah. Dari yang sulung tempatnya paling jauh, sampai si bungsu yang paling dekat. Namun akhirnya semua lahir di Jakarta.

Menurut istrinya, Sandra Pingkan Adriana Lolong (38), si sulung Monika (12) berada di dalam kandungan saat mereka di New York . "Barulah 2 bulan menjelang melahirkan, saya kembali ke Jakarta," kata Sandra. Begitu pula Abi (9) yang dikandung saat mereka tinggal di London. Keisha (7) anak ketiga, dikandung di Singapura. Sedangkan Dorothea (5) dikandung sewaktu mereka di Manado. Barulah anak ke-5, Daniel, menghabiskan seluruh masa janin hingga lahir di Jakarta.

Jumlah anak sampai 5, bagi pasangan Theo dan Sandra juga cerita tersendiri. Theo memang dari keluarga besar, namun Sandra hanya 2 bersaudara. Setelah kelahiran Abi, keduanya ingin ber-KB. "Tapi apa mau dikata, kebobolan terus. Selain mengalami beberapa kegagalan, saya pun pernah kehilangan spiral," kata Sandra. "Akhirnya, setelah melahirkan Daniel, saya minta disteril."

Buat pasangan ini, anak-anak adalah segalanya. Mereka yang terbiasa memanggil "Papa Theo" adalah rekan sepanjang hidup, sekaligus jadi rem manakala Theo terlalu keasyikan bermain uang. (G. Sujayanto/A. Heru Kustara/Mayong S. Laksono)

Anda ingin bebas secara Finansial seperti kisah di atas ? Silahkan klik di bawah untuk mendaftar (Free) dan memulai Trading Forex

2008-02-17T05:39:00.000-08:00

Belajar Forex | Belajar Valas Secara Online

Forex atau Foreign Exchange atau biasa juga disebut Future Trading merupakan kegiatan jual beli mata uang asing yang dilakukan untuk memperoleh selisih antara harga jual dengan harga beli (profit) atau keuntungan sesuai dengan yang diharapkan. Dalam forex/margin/stock, kita tidak dapat mengontrol berapa besar profit yang akan kita dapatkan karena itu tergantung dari hoki kita. TAPI, kita bisa mengontrol berapa besar/kecil kerugian kita, di sini yang paling dominan adalah manajemen resiko (Risk Management) dan manajemen uang (Money Management).

Indek (mata uang/bursa) selalu bergerak seiring dengan roda perekonomian suatu negara, hal yang paling mendasar adalah siapakah diri kita dan siapa pasar itu, jika kita telah menyatu dengan pasar, maunya pasar jelas, kita akan mampu lebih baik mendapatkan hasilnya, baru2 ini Jepang berusaha menahan laju penguatan mata uangnya menghabis 3 milyar dollar US, mengapa kita tidak bermain di dalamnya...?

Saran saya jangan melawan pasar, berusaha memahami arah pasar, bukan hanya berprinsip mengharap pada rebounding market, pengalaman anda juga wajar karena pendidikan formal untuk ini sangat terbatas.., baru satu atau dua lembaga pendidikan (asing) yang membuka pendidikan formal khusus di Indonesia, itupun dengan biaya yang wahh... (sebagian pendidikan diselesaikan di singapore)

Ada beberapa faktor penentu dalam kesuksesan melakukan Trading:

Psikologi Individu

Terdapat 6 psikologi yang mempengaruhi individu dalam bertransaksi:

Bertanggung jawablah terhadap modal anda
Kurangi kerugian anda secepatnya dan biarkan keuntungan anda yang berjalan
Disiplin
Terlalu banyak informasi
Jangan menikah dengan perdagangan anda
Jangan bertaruh di ladang ini

Penjelasan:
Bertanggung jawablah terhadap modal anda

Sangatlah menarik dimana banyak orang senang menaruh simpanan dan dana mereka dalam tangan orang lain, menerima kerugian seperti dengan mudahnya menyalahkan orang lain daripada bertanggung jawab terhadap dana mereka sendiri.

Langkah pertama sebagai individu adalah percaya pada diri anda sendiri dan kemampuan anda sendiri. Satu dari penemuan yang sangat mengejutkan ketika anda mulai bertransaksi atau memiliki pengamatan dari pasar saham bagaimana para ahli sangat sering melakukan kesalahan. Hal ini merupakan penyokong kepercayaan yang sesungguhnya ketika anda mulai mengerti bahwa dengan latar belakang yang kokoh dan pengetahuan, disiplin dan penetapan rencana perdagangan yang baik akan membuat anda melakukan tindakan profesional.
Anda akan berada dalam sebuah pasar yang bergerak beberapa kali lebih cepat daripada pasar lainnya dan dengan leverage, penghargaan dan kerugian bercampur berulang kali. Jalan terbaik untuk mengatasi pikiran dari penggunaan uang anda sendiri dan volume anda akan melakukan transaksi adalah melupakan tentang uang dan bicarakan bagian dari poin-poin. Jadi daripada menghitung keuntungan dan kerugian anda dalam faktor-faktor dari dolar, bicarakan faktor-faktor dari poin-poin keuntungan dan kerugian. Jika anda mengambil hal ini pada tingkat yang sangat awal, ini akan terasa sama jika anda melakukan perdagangan demo, mini atau 10 kontak dari rekening penuh.

Ketika melakukan perdagangan rekening demo, kebanyakan orang melakukannya dengan sangat baik. Mereka berdagang tanpa rasa takut. Tapi ketika mereka bertransaksi dengan uang sesungguhnya, meskipun hanya rekening mini, tiba-tiba mereka menemukan diri mereka bertransaksi dengan sikap dimana mereka kehilangan banyak kesempatan dan mengumpulkan banyak kerugian. Mereka dengan mudah kehilangan keberanian mereka dan masuk ke dalam rasa takut dan tamak. Hal ini dapat terjadi juga ketika anda berangkat dari rekening mini ke rekening penuh atau dari kontrak perdagangan sendiri ke kontrak perdagangan multiple.

Cobalah dan berdaganglah tanpa pikiran akan berapa banyak uang anda yang mungkin akan untung atau rugi. Berdagang dengan pemikiran yang benar, tidak peduli berapa banyak kontrak yang anda perdagangkan atau bahkan jika anda melakukan transaksi di rekening demo.

Kurangi kerugian anda secepatnya dan biarkan keuntungan anda yang berjalan

Konsep sederhana ini merupakan salah satu konsep tersulit untuk dilaksanakan dan ini menyebabkan kematian bagi kebanyakan pedagang. Kebanyakan pedagang melanggar rencana yang telah ditetapkan sebelumnya dan mengambil keuntungan mereka sebelum meraih target keuntungan mereka karena mereka merasa tidak nyaman duduk di posisi yang menguntungkan. Jenis orang yang sama ini akan dengan mudah duduk di posisi kerugian, mengijinkan pasar bergerak terhadap mereka untuk ratusan poin dengan harapan bahwa pasar akan kembali. Tambahan, pedagang yang perintah stop mereka telah terkena berulang kali hanya untuk melihat pasaran kembali pada kehendak mereka, sekali mereka keluar, mereka dengan cepat memindahkan perintah stop dari perdagangan mereka dengan satu kepercayaan bahwa hal ini akan selalu menjadi kasus. Perintah stop diadakan untuk dikenai, dan untuk menghentikan anda dari kerugian melebihi jumlah yang ditetapkan sebelumnya! Kepercayaan yang salah adalah bahwa setiap transaksi haruslah menguntungkan. Jika anda telah memperoleh keuntungan 3 dari 6 transaksi maka anda telah melakukannya dengan baik. Bagaimana mungkin anda dapat menghasilkan uang dengan hanya setengah dari perdagangan anda untuk menjadi pemenang? Sederhana saja, anda ijinkan keuntungan anda pada saat menang untuk berputar dan yakinkan bahwa kerugian yang anda alami adalah minimal.
Strategi bagus lainnya adalah menggerakan stop loss (poin dimana transaksi akan terjual jika berjalan ke jalan yang salah) di balik perdagangan ke tingkat dimana penarikan kembali dapat diakomodasikan tetapi pembalikan akan terkunci paling tidak memperoleh sedikit keuntungan.

Disiplin

Berdaganglah dengan perencanaan yang disiplin. Masalah dari banyak pedagang adalah mereka menganggap berbelanja lebih serius dibandingkan perdagangan. Pembelanja rata-rata tidak akan mengeluarkan $400 tanpa penelitian yang serius dan pemeriksaan produk yang hendak dibeli, juga pedagang rata-rata akan membuat sebuah perdagangan dengan mudah membebaninya $400 didasari pada sedikit daripada "perasaan" atau "dugaan". Yakinkan bahwa anda memiliki rencana sebelum anda mulai bertransaksi. Rencana harus termasuk didalamnya level stop dan limit untuk bertransaksi, sama seperti analisa anda harus meliputi sisi bawah yang diharapkan sebaik sisi atas yang diharapkan.

Terlalu banyak informasi

Seperti banyak usaha-usaha keras lainnya, sangatlah penting untuk tetap berdagang secara sederhana. Banyak pedagang memulai dengan strategi yang sederhana dan sukses, tapi menemukan diri mereka mencoba memotong dan mengubah untuk menemukan sistem yang lebih baik. Mereka juga mengijinkan diri mereka untuk dipengaruhi oleh pendapat lain dan terlalu banyak fundamental.
Perdagangan pasar saham biasanya serupa dalam hal ini. Pelatihan yang baik adalah untuk mengajarkan seorang anak atau remaja strategi perdagangan yang sederhana atau rancangan aturan untuk diikuti dan membiarkan mereka untuk berdagang rekening demo. Banyak pedagang yang telah melakukan ini merasa surprise bahwa anak-anak mereka dapat melakukan transaksi dengan baik, konsisten dan seringkali dengan hasil yang spektakuler. Pelajarannya adalah bahwa mereka tidak menyimpang dari aturan-aturan yang ada dan tidak terpengaruh oleh media atau fundamental. Banyak pedagang tidak memperhatikan fundamental sama sekali dan sukses dalam bertransaksi. Aturan di sini adalah untuk tetap menjadikannya sederhana, jangan ijinkan diri anda untuk menjadi bingung dengan terlalu banyak informasi dan jika anda tidak yakin atau tidak dalam emosi dalam pikiran yang baik, jangan melakukan transaksi.

Jangan menikah dengan perdagangan anda

Alasan berdagang dengan perencanaan adalah sangat penting karena analisa terobjektif adalah telah dilakukan sebelum perdagangan dilaksanakan. Sekali seorang pedagang berada dalam posisi mereka cenderung menganalisa pasar berbeda dalam "harapan" bahwa pasar akan bergerak ke dalam arah yang diinginkan daripada penglihatan objektif pada faktor-faktor yang berubah yang mungkin berbalik terhadap analisa asli anda. Hal ini khususnya merupakan kerugian yang sebenarnya. Pedagang dengan posisi kalah cenderung untuk menikahi posisi mereka, yang menyebabkan mereka mengabaikan kenyataan bahwa semua tanda mengarah pada kerugian. Jangan berdagang lebih lagi dengan harapan bahwa pasar akan berbalik ke dalam kehendak anda, hal ini hanya akan mempercepat kerugian anda.

Jangan bertaruh di ladang ini
Jangan berlebihan dalam bertransaksi. Satu dari sekian banyak kesalahan biasa bahwa pedagang membuat leverage yang terlalu tinggi dari rekening mereka dengan berdagang ukuran besar yang banyak daripada seharusnya mereka memperdagangkan secara bijaksana saldo mereka. Leverage merupakan pedang bermata dua. Hanya karena satu lot (100,000 unit) dari mata uang hanya diminta $1000 sebagai margin minimum deposit, itu bukan berarti kalau seorang pedagang dengan $5000 dalam rekeningnya dapat melakukan transaksi sebanyak 5 lot. Satu lot adalah $100,000 dan harus diperlakukan sebagai $100,000 investasi dan bukannya menaruh $1000 sebagai batasan. Banyak pedagang menganalisa grafik dengan benar dan menempatkan transaksi yang bijaksana, juga mereka cenderung untuk berlebihan menetapkan leverage mereka sendiri. Sebagai konsekuensinya, mereka seringkali terpaksa untuk keluar posisi pada waktu yang salah/tidak tepat. Aturan terbaik adalah untuk berdagang dengan 1-10 leverage atau tidak pernah menggunakan saldo anda lebih dari 5 pada waktu yang diberikan. Berdagang mata uang tidaklah mudah. (jika mudah, setiap orang akan menjadi milyuner!)

Psikologi Pasar

Terdapat 5 psikologi pasar yang mempengaruhi naik turunnya nilai mata uang:

Fundamental dan Teknis
Desas desus dan Berita
Kekhawatiran dan intervensi
Mentalitas Persamaan
Ikhtisar/ringkasan

Penjelasan:
Fundamental dan Teknis

Seorang idealis menginginkan kita untuk percaya bahwa nilai dari sebuah mata uang merupakan refleksi sesungguhnya dari evolusi ekonomi dan keadaan aset negara tersebut. Tidak ada lagi lainnya selain kebenaran. Nilai dari satu mata uang mencerminkan sentimen pasar dan apa yang mempengaruhi sentimen tersebut. Hal ini yang secara luas akan meliputi bab fundamental dari pelajaran ini. Pada bagian ini kami akan secara singkat melihat bagaimana perilaku pasar dan mencerminkan ke arah mana mata uang didapat dari pandangan prespektif pedagang.

Para pedagang menggunakan 2 alat dasar untuk memandu mereka dalam membuat strategi untuk bertransaksi, yaitu Analisa Fundamental dan Analisa Teknik. Kami menekankan pada teknis karena para pedagang di dunia menggunakan grafik-grafik dan peralatan-peralatan yang hampir sama dalam memprediksi tren pasar. Alasan pasar kadangkala sangat dapat diramalkan adalah jika mayoritas menggunakan grafik yang sama untuk menentukan pola dan tren, kemudian kedua hal ini sangat mungkin berlaku dalam gaya yang serupa. Jadi beberapa ribu pedagang yang semuanya memiliki pemetaan garis resistensi yang sama akan sangat mungkin merancang pengarahan dan perdagangan mereka sesuai dengan garis tersebut.

Dengan kata lain fundamental sebagai pengumuman data ekonomi, ancaman dari perang atau peristiwa individu dapat membuat pasar berada dalam keadaan gila-gilaan. Hal ini perlu diperhatikan ketika membuat keputusan untuk bertransaksi atau tidak.

Pasar selalu bereaksi sebelum data ekonomi diumumkan, secara umum penempatannya menurut pada pengharapan pasar dari data. Jika terdapat perbedaan dari pengharapan - pengharapan tersebut, pasar akan bereaksi secara negatif atau positif. Kadangkala, strategi yang baik ditemukan dalam pasar yang diam adalah penempatan pesanan untuk transaksi baik sisi dari harga pasar saat ini sebelum data utama diumumkan dan perdagangan akan diaktifkan jika terdapat pergerakan mendadak. Hal ini tidak mempengaruhi ke arah mana perdagangan akan pergi, paling tidak satu transaksi akan diaktifkan dengan arah yang benar.

Catatan peringatan: terkadang sedikit pukulan cemeti dapat terjadi dan perdagangan yang salah akan diaktifkan.

Desas desus dan Berita

Di sini terdapat perbedaan pendapat yang tiada henti antara beberapa pedagang tentang apa yang paling penting: Analisa fundamental atau Analisa teknik. Kebanyakan pedagang menggunakan analisa teknik, banyak dari mereka tidak menggunakan analisa fundamental sama sekali. Hal ini merupakan tindakan terbodoh yang dilakukan jika seseorang mengabaikan sama sekali analisa fundamental seperti mereka seringkali menjelaskan perubahan mendadak yang terjadi dalam sentimen pasar. Umumnya, seorang pedagang akan memperoleh layanan berita peristiwa dunia seperti adanya bom di suatu tempat atau pengumuman data ekonomi dapat menjadi katalisator untuk menciptakan pergerakan dalam pasar. Lebih lagi bahwa bukan pergerakan yang mengikuti tingkah laku teknikal.

Ketika mengamati layanan berita, sangatlah penting untuk tidak terjerat dalam desas desus. Biasanya desas desus berkisar tentang kontrak-kontrak futures tentang berakhirnya nilai mata uang pada harga yang pasti. Desas desus ini lebih sering terjadi daripada tidak dimana para pedagang dan lembaga terjerat dalam posisi seharusnya mereka tidak berada didalamnya dan mencoba untuk membicarakan naik atau turunnya pasar.

Pasar bereaksi terhadap peristiwa dunia. Ancaman perang atau tindakan teroris juga dapat mengirim pasar ke dalam tren dan arah baru dalam hitungan menit. Biasanya setelah peristiwa ini, pasar cenderung untuk kembali ke pola perdagangan biasa.

Kekhawatiran dan Intervensi

Dikarenakan oleh ukuran Forex tidak satupun negara atau lembaga dapat memiliki pengaruh yang lama pada pasar. Bagaimanapun beberapa negara menggunakan bank-bank sentral mereka untuk mempengaruhi pasar baik dalam masa sebentar maupun lama.

Pada tahun 2002, Bank of Japan merasa dolar US menurun terlalu cepat terhadap Yen dan mulai mempengaruhi daya saing dari ekspor Jepang ke Amerika. Dalam upaya penghentian tren, mereka menempatkan pesanan untuk dolar US sampai dengan 10 milyar dolar pada waktu yang sama dalam menit. Pasar bereaksi terhadap dolar US hingga naik sampai dengan 150 poin dalam menit. Mereka menggunakan taktik ini kapan saja dan pada harga yang berbeda. Pengaruh sesungguhnya dari 10 miliar secara umum menetap sebentar dalam pasar dimana perdagangan 1.5 trilyun dolar sehari, tapi kekhawatiran yang tiada henti berkembang di pasar sehingga diperlukan waktu beberapa bulan untuk mengelola dolar US terhadap Yen.

Hanya pembicaraan dari intervensi akan sering terlihat dolar US berbalik dari kecenderungan untuk menurun.

Mentalitas Persamaan

Biasanya semangat keuntungan suatu transaksi dan berlanjut bergerak naik atau turun dan tidak digerakan oleh apapun daripada seseorang mengikuti seseorang lainnya. Sebuah data diumumkan atau peristiwa dapat memicu beberapa pedagang untuk membeli atau menjual. Pedagang lainnya melihat pergerakan dan memutuskan kemungkinan berjalan terus atau sedang berlangsungnya tren baru. Mereka sedang dalam penempatan pesanan atau menjual posisi mereka dan pergerakan baik naik atau turun mengatakan untuk memperoleh keuntungan. Harga akan berlanjut naik atau jatuh pada langkah kenaikan yang cepat hingga beberapa pedagang memasuki pasar atau mengurangi pembukaan mereka yang telah jatuh dan harga mulai keluar dari level yang ada. Tambahan, banyak dari para pedagang yang terlalu cepat bertindak dalam berdagang dapat memperoleh keuntungan atau membeli kembali, yang akan membawa pergerakan berhenti atau bahkan membalikkan tren, biasanya kembali ke harga awal atau menstabilkannya pada level yang baru. Hal ini selalu penting untuk tidak masuk ke dalam perdagangan ini hingga ada bukti dari penarikan kembali dan kemungkinan dari berlanjutnya tren. Ini adalah waktunya untuk melihat pada Analisa Fundamental dan Analisa Teknikal untuk melihat apa yang menyebabkan pergerakan seperti itu dan kemungkinan kelanjutannya. Di sini kita mengatakan bahwa perdagangan adalah rancangan bukan reaksi. Jangan berdagang berdasarkan reaksi, berdagang berdasarkan rancangan. Hanya pergerakan perdagangan atau rancangan grafik atau strategi anda yang mengatakan kepada anda untuk berdagang, atau berdaganglah jika grafik anda mengatakan pada anda bahwa masih terdapat banyak pergerakan dalam tren saat ini.

Ikhtisar/ringkasan

Untuk meraih sukses dalam bertransaksi, anda harus berhati-hati terhadap emosi anda sendiri dan pakailah peralatan-peralatan dan strategi-strategi dimana mereka tidak mempengaruhi keputusan anda. Pedagang tersukses di dunia lebih banyak adalah wanita, karena wanita memiliki komunikasi yang baik dan mereka bisa mengendalikan emosi mereka. Tidak ada tempat untuk perilaku sombong dan angkuh atau ketidakstabilan emosi dalam penempatan pasar.

Pelajari dan amati alasan-alasan terjadinya fluktuasi dalam pasar, dapati itu dari Analisa Fundamental atau Analisa Teknikal atau kombinasikan keduanya. Aturan yang baik untuk diikuti adalah jika satu atau lainnya tidak kelihatan benar - jangan melakukan transaksi. Jangan pernah melakukan transaksi atas tren hanya demi menjadi berbeda dari yang lain, kami tegaskan berkali-kali melalui manual ini "TREN ADALAH TEMAN ANDA".

Pengalaman akan memberikan kemampuan kepada anda untuk mengerti psikologi dari pasar dan untuk mengukur keseimbangan antara analisa fundamental dan analisa teknikal.

Anda hanya perlu berhati-hati akan emosi anda sendiri dan gunakanlah perubahan perilaku yang diperlukan, ini akan memampukan anda untuk menjadi pedagang yang sukses.

Akhirnya, mengertilah bahwa tidak ada satupun dari pelatihan, pengertian ataupun informasi yang dapat menjadikan anda pedagang yang baik. Kuncinya adalah untuk mampu berdagang dalam tingkat emosi yang benar dan tanpa kekhawatiran. Jika anda tidak merasa diri anda benar, menjauhlah sampai anda merasa diri anda benar. Jangan mencoba bertransaksi lebih untuk menutupi kekalahan atau meningkatkan keuntungan anda; bertahanlah pada rencana. Kenalilah kekuatan dan kelemahan anda. Ambil tanggung jawab untuk diri anda sendiri, investasi anda dan emosi anda.

Semoga bermanfaat......

Streamster Application

2007-12-11T14:55:00.000-08:00

Simple and Powerful
Easy to use and understand even if you are a beginner
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Arrange trading windows according to your preference, set advanced options, and much more...
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Advanced Personalized Charting
The most sophisticated and easy-to-use charting tool with built-in advanced technical indicators
You can trade, view and modify open positions - directly on your charts
Modify parameters of technical indicators in real-time and see how they appear immediately
Build your chart collection by adding your saved chart configurations

News, Chat, Alerts and Support
Read real-time economic news and forecasts about global economy and markets
Get alerts narrated aloud prior to major scheduled market events
Chat with other traders about market events, exchange trading ideas and learn
Get help from our support professionals available 24h on support channels

Diversification and Practice
Trade $10,000 with only $100 in your account using 1% margin on Forex, Index and Commodity desks
If you look for long-term profits, you can invest in funds and reduce your investment risk
No interest charged on your open margin positions
You don't need to start on live market right away - practice with your virtual money first!

One-Click Trading
Buy and sell financial instruments with one mouse click
No commissions or exchange fees on your trades - you can trade as much as you like
You can start trading with as little as $1!
Open your account for free and get $5 cash reward so you can start trading right away!

2007-12-02T11:20:00.000-08:00

Bagaimana cara membuat account Liberty Reserve

Langkah Pertama

Silahkan klik di sini.

Anda perlu melakukan verifikasi alamat email sebelum membuat account Liberty Reserve. Silahkan masukkan alamat email yang ingin digunakan untuk menerima kode aktivasi pada halaman registrasi Liberty Reserve tersebut. Untuk selanjutnya silahkan ikuti petunjuk yang diberikan pada e-mail yang anda terima beserta kode aktivasi dari Liberty Reserve.

Langkah Kedua

Setelah anda mensubmit alamat email yang ingin digunakan untuk registrasi Liberty Reserve, maka anda akan menerima email dari Liberty Reserve dalam beberapa menit setelah itu dengan subjek "Liberty Reserve E-mail Verification Code" yang berisi kode aktivasi dari Liberty Reserve. Copy dan paste kode aktivasi yang anda terima itu ke dalam form kedua yang ada di halaman registrasi Liberty Reserve, kemudian klik tombol Next.

Setelah kode aktivasi anda masukkan, maka anda akan diminta untuk mengisi formulir pendaftaran. Silahkan isikan data-data yang diminta di sana dengan benar. Nama depan, nama belakang, nama account, password, alamat, dan lain-lain. Untuk nama account, itu bisa diganti kapan saja anda mau kelak setelah login. Jika tujuan pembukaan account Liberty Reserve ini adalah untuk melakukan deposit dan withdrawal dari Marketiva, maka anda perlu membuat account name itu menjadi nama lengkap anda.

Di halaman itu anda juga akan diminta untuk membuat pesan selamat datang pribadi, dimana pesan ini berguna untuk mengidentifikasi website yang dibuka kelak ketika login betul-betul website Liberty Reserve asli, bukan tiruan. Jadi, silahkan buat pesan pribadi anda di sana. Anda boleh membuat pesan apa saja misalnya "Semakin hari aku semakin bahagia dan semakin kaya" atau kalimat lain yang menjadi moto pribadi anda.

Di halaman registrasi yang terakhir anda akan diperlihatkan data-data account itu, seperti nomor account, password, login pin, dan security pin, silahkan simpan atau cetak informasi itu, karena itu akan diperlukan untuk mengakses account anda.

Setelah proses registrasi berhasil, maka anda akan menerima e-mail dari Liberty Reserve yang berisi nomor account, dan pin pengaman transfer.

Selamat menggunakan Liberty Reserve account!!!

Cara Join Transaksi Trading Forex

2007-06-17T06:19:00.000-07:00

Saya rekomendasikan anda bergabung dengan Marketiva , sebab account Min hanya $1 dan anda diberi bonus langsung $ 5 setelah Sign Up. Bonus yang diberikan juga bisa langsung transaksi.

Sign-Up Valas (Forex) Online "Free $ 5"

Berikut metoda dalam bergabung pada Market Forex (Valas) online secara Gratis :

Untuk bisa memulai transaksi sekaligus belajar forex trading (valas trading) di Marketiva, ikutilah langkah-langkah berikut secara berurutan.

"MENDAFTAR"

Untuk mendaftar, silakan buka website Marketiva , setelah terbuka, klik Open Account, isilah data diri Anda secara lengkap. Untuk field dengan tanda * (bintang) harus Anda isi, yang lain boleh Anda kosongkan.

Username: pilihlah username yang indah, karena akan Anda gunakan untuk chatting dengan sesama trader, misalnya: orang_kaya, mster_trader, cantik, tampan, dsb.
Password: minimal 8 karakter gabungan huruf dan angka.
First Name: isi nama depan Anda
Last Name: isi nama belakang Anda, jika nama Anda hanya terdiri dari satu suku kata, masukkan nama Anda tersebut di field First Name dan Last Name. Contoh: jika nama Anda adalah Donny, maka masukkan First Name: Donny, Last Name: Donny.
Untuk data alamat isikan sesuai dengan KTP Anda.
E-mail: diisi alamat e-mail Anda yang masih aktif.

PERHATIAN: Seluruh data diri yang Anda isikan harus sama dengan KTP, karena akan dilakukan proses verifikasi untuk bisa melakukan transaksi forex trading (trading valas).

Setelah selesai mengisi, klik tombol Continue>

User Template: pilih Standar Forex Trader
Coupon: boleh dikosongkan
Recovery Question: pilih yang paling cocok dengan Anda, misalnya Anda memiliki anjing dengan nama freddy, maka pilih: What is your pet's name?
Recovery Answer: dalam contoh ini maka jawaban anda adalah: freddy

Setelah selesai mengisi, klik tombol next>

Berilah tanda ("V") chek pada pilihan: I have read, understood, and agree with the Service Agreement under which Marketiva Corporation provides it services and products. I have also read and understood the Risk Disclosure statement and I am willing and able to assume such risks.

Setelah itu klik tombol [finish]. Maka proses pendaftaran Anda sudah selesai.

"VERIFIKASI IDENTITAS DIRI"

Setelah Anda mendaftar, maka Anda perlu mengupload data diri Anda untuk diverifikasi, Anda hanya diizinkan membuka satu account. Anda tidak bisa melakukan penarikan dana sebelum melakukan identifikasi, dan ada kemungkinan account Anda di-suspend (dibekukan) jika Anda menggunakan komputer dengan IP address yang sama dengan trader lain. Untuk itu segeralah melakukan verifikasi identitas diri, berikut data yang diperlukan:

Image ID: Scan KTP/SIM/KTM atau kartu identitas lain yang ada foto dan nama Anda tertera di kartu identitas tersebut.
Image Adress: Scan data tagihan yang alamatnya sama dengan KTP/SIM/KTM Anda, misal tagihan listrik, tagihan telepon, rekening bank dll, data di tagihan ini digunakan untuk konfirmasi alamat.

Scan data harus berwarna dan masing-masing file ukurannya maksimal 100kb, jadi sewaktu scan, resolusi di set ke 72-100 dpi saja.
Bila Anda tidak mempunya data tagihan yang ada nama dan alamat Anda disitu, maka anda boleh mengupload scan ktp saja, scan bagian depan KTP sebagai ID image, bagian belakang sebagai Address image.

Silahkan Upload disini https://www.marketiva.com/index.ncre?page=identification

Setelah mengupload data, melaporlah ke live support yang ada di situs Marketiva. Beberapa saat kemudin Anda akan diberitahu bahwa data diri Anda telah selesai diverifikasi.

"MEMBUKA ACCOUNT E-GOLD"

Proses deposit dan withdrawl termudah adalah dengan e-gold. PASTIKAN: Nama lengkap Anda di account e-gold harus sama dengan nama lengkap di Marketiva, jika tidak sama maka Anda akan mengalami kesulitan dalam proses deposit dan withdrawl. Membuka account secara Gartis dapat klik e-Gold Disini.

"MENDOWNLOAD DAN MENGINSTAL STREAMSTER"

Untuk memulai transaksi forex trading (valas trading) di Marketiva, Anda memerlukan software Streamster, silakan Download disini untuk mendapatkan versi terakhir atau dengan cara menekan tombol get streamster di bagian kanan atas website Marketiva dan install di komputer Anda, kemudian jalankan program Marketiva, Login dengan username dan password yang baru saja Anda buat. Setelah selesai Anda download, double klik file hasil download Anda tersebut untuk menginstallnya di komputer Anda, ikuti langkah-langkah yang diminta.

"LOGIN DAN MULAI BERTRANSAKSI"

Untuk konsultasi dengan team support dalam bahasa indonesia sebaiknya anda menghubunginya di International Support chanel atau di Advanced Chanel. Kalau ingin bertanya dalam bahasa Inggris boleh langsung di Chanel Support. Sekedar tambahan, chanel Support itu bisa diakses dari dua jalur, yaitu dari website dan dari program Streamster. Kalau anda tidak bisa login dari Streamster karena alasan-alasan tertentu, anda bisa menghubungi team support melalui Live Support Setelah Anda login masuklah ke room chat international dan indonesia, caranya klik tombol groups di bagian atas jendela streamster, tunggu sebentar sampai ditampilkan daftar room yang ada, pilih international dan indonesia, klik OK, maka otomatis Anda masuk room international dan indonesia. Untuk mulai bertransaksi, bertanyalah kepada support personel dari Marketiva menggunakan bahasa indonesia, boleh di room international maupun di room indonesia. Support personel adalah orang dengan nick yang ada huruf ' i ' (information) di depan nicknya, mereka akan dengan senang hati membantu Anda memahami cara-cara bertransaksi di Marketiva.dari website. Mereka akan melayani anda dalam bahasa apa saja (English, Indonesia, China, Prancis, Arabic, Portuguees, Bulgaria dan Russia) tergantung Team support yang hadir saat itu. Tapi kalau anda sudah login menggunakan program streamster, maka anda hanya diperkenankan untuk bertanya dalam bahasa indonesia atau basa asing lainnya selain inggris di chanel International Support.

Untuk Mulai Transaksi secara Online, silahkan Kunjungi :
CARA TRANSAKSI VALUTA ASING ONLINE LEWAT MARKETIVA

Dalam Transaksi ini, sebaiknya anda menggunakan sistem pembayaran dan witdrawl melalui elektronik gold, sebuah alat tukar yang digunakan secara online di seluruh dunia. Lalu, untuk meng-uangkannya kembali menjadi rupiah, silahkan buka dulu account e-gold exchange yang banyak tersebar di indonesia, saya rekomendasikan anda gabung di Indochanger.com

"MEMBUKA ACCOUNT E-GOLD EXCHANGE"

Bila Anda ingin mencairkan e-gold ke dalam bentuk mata uang Rupiah, yang perlu Anda lakukan adalah menjual kembali e-gold Anda ke merchant e-gold di Indonesia contohnya Indochanger. Dalam transaksi tersebut Anda akan mentransfer e-gold ke rekening merchant dan Anda akan menerima uang dalam bentuk Rupiah (biasanya melalui ATM atau transfer bank, disarankan Bank Central Asia). Untuk mengisi e-gold, yang Anda lakukan adalah langkah sebaliknya, Anda setorkan Rupiah ke merchant, dan merchant akan mengisi account e-gold Anda. Silakan buka account e-gold exchange Anda dgn Klik Indochanger.

Non-Farm Payroll

2007-05-04T16:01:00.000-07:00

Perkiraan dari sebagian besar pemain market data ini akan menunjukkan angka sekitar 107K sampai 110K saja. Data ini turun jauh bila dibandingkan dengan data bulan lalu yang menunjukkan peningkatan tajam sebesar 180K. Non-Farm Payroll adalah data penting yang dirilis setiap awal bulan yang menceritakan kepada kita mengenai kondisi ketenagakerjaan diluar sector pertanian. Dengan semakin besarnya lapangan kerja yang tersedia akan menyebabkan semakin banyak tenaga kerja yang bisa direkrut sehingga menurunkan angka pengangguran begitu pula sebaliknya. Semakin kecil jumlah lapangan kerja yang tersedia akan menyebabkan semakin sedikit tenaga kerja yang bisa direkrut sehingga meningkatkan angka pengangguran. Semakin banyak tenaga kerja akan berdampak terhadap naiknya upah pegawai / buruh dan naiknya upah ini bisa menaikkan belanja konsumen. Akibat lebih lanjut terhadap kenaikan belanja konsumen ini nantinya akan memicu kenaikan inflasi karena bertambahnya jumlah uang yang beredar. Inflasi yang tinggi akan menyebabkan sebuah Bank Sentral berusaha untuk mengendalikan tingkat inflasi yang salah satu kebijakannya adalah dengan menaikan tingkat suku bunga. Begitu pula sebaliknya, tingkat inflasi yang rendah menyebabkan sebuah Bank Sentral berpikir untuk menurunkan tingkat suku bunganya.

Secara psikologis, mata uang USD masih dalam tekanan karena adanya isu dan rumor yang merebak di market akan adanya pemotongan suku bunga oleh The Fed pada tahun ini, sementara dilain pihak beberapa data ekonomi dari zona Euro dan England yang dirilis belakangan ini menunjukkan angka-angka yang lebih baik ditambah dengan bayang-bayang kenaikan inflasi sehingga semakin memperkuat dugaan para pemain market bahwa tingkat suku bunga zona Euro dan England akan dinaikkan pada bulan-bulan mendatang.

Seingga apabila data Non Farm Payroll ini lebih buruk dari perkiraan sebagian besar pemain market bahkan akan lebih buruk lagi apabila data tersebut keluar dengan angka hanya 40K atau bahkan lebih rendah maka itu pertanda buruk bagi USD dan kemungkinan sesaat USD akan drop sampai 60-an pips (Sell USD). Akan tetapi jika nanti data ini keluar dengan angka bagus bisa mencapai 180K atau lebih tinggi maka data ini bisa menjadi support USD untuk sementara waktu (Buy USD).

Disamping itu kita juga perlu melihat rilis data pengangguran. Perkiraan apabila data Non Farm payroll muncul dengan angka yang lebih buruk, maka akan terjadi kenaikan jumlah pengangguran yang diperkirakan naik sebesar 4.5% sehingga akan semakin memperburuk mata uang USD. Perlu diperhatikan pula rilis data revisi NFP bulan lalu yang biasanya dirilis sesaat setelah data NFP dan Unemployment Rate.

Untuk hasi lebih baik, selaraskan pula dengan Analisa Teknikal anda, khususnya Overbought dan Oversold RSI dan kondisi Convergence dan Divergence pada indicator MACD plus S/P terdekat yang kemungkinan akan ditembus oleh Grafik.

2007-03-17T21:51:00.000-07:00

Belajar Forex Trading Valas Online di Marketiva

Bisnis dan Belajar Forex Trading Valas Online tanpa Modal Sepeserpun di Marketiva! Free Bonus $5 Saat Registrasi, Legal, No Commission Fee, No Overnight, No Interest, Spread 2, Trading Bisa Hanya dengan Modal $1, Deposit dan Withdrawl dengan LibertyReserve, Wire Transfer, e-bullion, e-dinar, dan webmoney. Ayo Manfaatkan Peluang Bisnis Marketiva Forex Trading Valas Online untuk Mencari Uang di Internet. Ayo Belajar Trading Valas Online di Marketiva, Semua Serba Gratis!

Real Forex Trading Valas Online tanpa Modal Sepeserpun di Marketiva

FOREX TRADING (Valas Trading) adalah perdagangan mata uang asing atau biasa disebut valuta asing. Perdagangan mata uang asing (valuta asing) merupakan pasar terbesar di dunia diukur berdasarkan nilai total transaksi. Hasil survei BIS (Bank International for Settlement – bank sentralnya bank-bank sentral seluruh dunia) yang dilakukan pada akhir tahun 2004, menemukan fakta bahwa nilai transaksi perdagangan valuta asing mencapai USD 1,900miliar per hari. Dengan demikian, prospek investasi di perdagangan forex adalah sangat bagus dilihat dari segi liquiditas.

Perdagangan valuta asing (forex trading valas) berjalan selama 24 jam, berputar mulai dari pasar New Zaeland & Australia yang berlangsung pukul 05.00–14.00 WIB, terus ke pasar Asia yaitu Jepang & Singapura yang berlangsung pukul 07.00–16.00 WIB, ke pasar Eropa yaitu Jerman & Inggris yang berlangsung pukul 13.00–22.00, sampai ke pasar Amerika yang berlangsung pukul 20.30–10.30. Dalam perkembangan sejarahnya, bank sentral milik negara-negara dengan cadangan mata uang asing yang besar sekalipun dapat dikalahkan oleh kekuatan pasar forex/valas yang bebas.

Forex trading (valas trading/perdagangan valuta asing) saat ini sudah sangat mudah untuk dilakukan oleh siapapun dan dari manapun. Dengan modal komputer yang tersambung ke internet, kita sudah bisa melakukan forex trading (valas trading) secara online baik dari rumah, kantor, warnet, dan darimana saja yang penting ada fasilitas sambungan internet. Dengan mendaftar di Marketiva, Anda tidak perlu lagi memikirkan modal untuk melakukan forex trading (valas trading), begitu daftar langsung bisa langsung trading karena Anda mendapatkan bonus selamat datang $5 real money untuk live trading dan $10,000 virtual money untuk simulasi dengan kondisi pasar yang sesungguhnya. Belajar secara online forex trading (valas trading) dengan metoda belajar sambil praktek akan membuat Anda lebih cepat memahami segala hal tentang forex trading (valas trading).

Transaksi real maupun belajar Forex Trading (valas trading/jual beli valuta asing) di Marketiva adalah pilihan terbaik bagi para calon trader dalam mengembangkan ilmu, maupun bagi trader profesional dalam bertransaksi forex trading (valas trading/jual beli mata uang asing).

KEUNGGULAN

Marketiva menyediakan layanan over-the-counter market making pada Forex dan Funds; memberikan bonus awal $5, sehingga anda dapat segera memulai trading tanpa harus melakukan deposit dengan uang anda; trading dengan 1% margin; zero-interest pada semua posisi open; tidak ada komisi trading; virtual dan live desk dalam satu account; variabel spread standar industri; berita-berita terbaru, alert pada peristiwa pasar, saluran chating, support 24 jam, alat charting yang paling canggih dan mudah digunakan; dan pengalaman forex trading online yang terbaik!

Untuk bisa memulai transaksi sekaligus belajar forex trading (valas trading/jual beli valuta asing) secara online di Marketiva, ikutilah langkah-langkah berikut secara berurutan.

MENDAFTAR

Untuk mendaftar, silakan buka website Marketiva, setelah terbuka, klik Open Account, isilah data diri Anda secara lengkap. Untuk field dengan tanda * (bintang) harus Anda isi, yang lain boleh Anda kosongkan.

Username: pilihlah username yang indah, karena akan Anda gunakan untuk chatting dengan sesama trader, misalnya: cinta, cantik, handsome, dsb.
Password: minimal 8 karakter gabungan huruf dan angka.
First Name: isi nama depan Anda
Last Name: isi nama belakang Anda, jika nama Anda hanya terdiri dari satu suku kata, masukkan nama Anda tersebut di field First Name dan Last Name. Contoh: jika nama Anda adalah Fitri, maka masukkan First Name: Fitri, Last Name: Fitri.
Untuk data alamat isikan sesuai dengan KTP Anda.
E-mail: diisi alamat e-mail Anda yang masih aktif.

PERHATIAN: Seluruh data diri yang Anda isikan harus sama dengan KTP, karena akan dilakukan proses verifikasi untuk bisa melakukan transaksi forex trading (trading valas).

Setelah selesai mengisi, klik tombol Continue>

User Template: pilih Standar Forex Trader
Coupon: boleh dikosongkan
Recovery Question: pilih yang paling cocok dengan Anda, misalnya Anda memiliki kucing dengan nama manis, maka pilih: What is your pet's name?
Recovery Answer: dalam contoh ini maka jawaban anda adalah: manis

Setelah selesai mengisi, klik tombol next>

Berilah tanda chek pada pilihan: I have read, understood, and agree with the Service Agreement under which Marketiva Corporation provides it services and products. I have also read and understood the Risk Disclosure statement and I am willing and able to assume such risks.

Setelah itu klik tombol [finish]. Maka proses pendaftaran Anda sudah selesai. Anda akan menerima email perihal pembukaan account anda di Marketiva.

VERIFIKASI IDENTITAS DIRI
Setelah Anda mendaftar, maka Anda perlu mengupload data diri Anda untuk diverifikasi, Anda hanya diizinkan membuka satu account. Anda tidak bisa melakukan penarikan dana sebelum melakukan identifikasi, dan ada kemungkinan account Anda di-suspend (dibekukan) jika Anda menggunakan komputer dengan IP address yang sama dengan trader lain. Untuk itu segeralah melakukan verifikasi identitas diri, berikut data yang diperlukan:

Picture Identification: Scan KTP/SIM/PASSPORT atau dokumen resmi dari pemerintah yang ada foto dan nama Anda tertera di dokumen tersebut.
Address Verification: Scan data tagihan yang alamatnya sama dengan KTP/SIM/KTM Anda, misal tagihan listrik, tagihan telepon, rekening bank dll, data di tagihan ini digunakan untuk konfirmasi alamat.
Hasil Scan harus berwarna dan masing-masing file ukurannya maksimal 100kb, jadi sewaktu scan, resolusi di set ke 100-150 dpi saja.
Bila Anda tidak mempunya data tagihan yang ada nama dan alamat Anda disitu, maka anda boleh hanya mengupload scan KTP saja, scan bagian depan KTP sebagai Picture Identification, bagian belakang sebagai Address Confirmation.
Upload hasil scan tersebut di sini

Setelah mengupload data, melaporlah ke live support yang ada di situs Marketiva. Beberapa saat kemudin Anda akan diberitahu bahwa data diri Anda telah selesai diverifikasi.

======================
MEMBUKA ACCOUNT E-GOLD (SAAT INI E-GOLD SUDAH TIDAK DITERIMA LAGI)
Proses deposit dan withdrawl termudah adalah dengan e-gold, silakan Anda baca secara lengkap tata cara membuka e-gold, klik disini. PASTIKAN: Nama lengkap Anda di account e-gold harus sama dengan nama lengkap di Marketiva, jika tidak sama maka Anda akan mengalami kesulitan dalam proses deposit dan withdrawl.
=========================

MEMBUKA ACCOUNT LibertyReserve

Proses deposit dan withdrawal termudah adalah dengan LibertyReserve. PASTIKAN: Nama lengkap Anda di account LibertyReserve harus sama dengan nama lengkap di Marketiva, jika tidak sama maka Anda akan mengalami sedikit kesulitan dalam proses deposit dan withdrawl sampai anda mengganti nama menjadi sama.

MENDOWNLOAD DAN MENGINSTAL STREAMSTER
Untuk memulai transaksi forex trading (valas trading) di Marketiva, Anda memerlukan software Streamster, silakan Download dengan cara menekan tombol get streamster di bagian kanan atas website Marketiva dan install di komputer Anda, kemudian jalankan program Marketiva, Login dengan username dan password yang baru saja Anda buat. Setelah selesai Anda download, double klik file hasil download Anda tersebut untuk menginstallnya di komputer Anda, ikuti langkah-langkah yang diminta.

LOGIN DAN MULAI BERTRANSAKSI

Setelah Anda login masuklah ke room chat international dan indonesia, caranya klik tombol groups di bagian atas jendela streamster, tunggu sebentar sampai ditampilkan daftar room yang ada, pilih international dan indonesia, klik OK, maka otomatis Anda masuk room international dan indonesia. Untuk mulai bertransaksi, bertanyalah kepada support personel dari Marketiva menggunakan bahasa indonesia, boleh di room international maupun di room indonesia. Support personel adalah orang dengan nick yang ada huruf ' i ' (information) di depan nicknya, mereka akan dengan senang hati membantu Anda memahami cara-cara bertransaksi di Marketiva.

MEMBUKA ACCOUNT E-CURRENCY EXCHANGER

Bila Anda ingin mencairkan LibertyReserve ke dalam bentuk mata uang Rupiah, yang perlu Anda lakukan adalah menjual kembali LibertyReserve Anda ke merchant LibertyReserve di Indonesia contohnya indochanger. Dalam transaksi tersebut Anda akan mentransfer LibertyReserve ke rekening merchant, dan Anda akan menerima uang dalam bentuk Rupiah (biasanya melalui ATM atau transfer bank, disarankan Bank Central Asia). Untuk mengisi LibertyReserve, yang Anda lakukan adalah langkah sebaliknya, Anda setorkan Rupiah ke merchant, dan merchant akan mengisi account LibertyReserve Anda. Silakan buka account LibertyReserve exchange Anda di: indochanger.

Demikian uraian singkat Step by Step Forex Trading Valas Online (jual beli mata uang asing/valuta asing) di Marketiva. Selamat mencoba, Sampai Jumpa di Puncak Sukses!

2007-03-17T21:50:00.000-07:00

STRATEGI TRADING DENGAN INTEREST RATE
DAN NON FARM PAYROL (NFP)

Interest Rate (Kenaikan Suku Bunga)

Banyak berpendapat bahwa Efek News ini selalu menghasilkan pergerakan yang luar biasa dari currency pair. Tetapi penulis beranggapan bahwa Interest News ini di posisi sebagai berikut :

Coba anda lihat dulu posisi currency pair dalam market saat menjelang interest news release.
Jika currency pair berada dalam posisi tertekan, maka akan memberikan efek yang cukup luar biasa, namun jika currency pairnya tidak dalam posisi tertekan, rasanya efeknya juga tidak begitu besar.

Hal ini mengindikasikan bahwa yang penting dari Release Interest Rate “Kenaikan Suku Bunga” ini bukanlah News itu sendiri melainkan hanyalah proses KESEIMBANGAN dari currency tersebut.

Nah, kalau begitu ngapain lagi eforia dengan Interest Rate, sampe-sampe gak tidur segala nungguin News nya release, lebih baik jika anda lakukan analisis terlebih dahulu posisi rate tersebut dengan posisi currency pair yang didukungnya.

Non Farm PayRoll (NFP)

The Great News Number One in Forex Tradding! Check Your Calender This Month First!

Coba lihat nih Efek News, Wuehuehuehe +185 pips dalam waktu kurang dari 15 Menit saja.

Gambar tersebut adalah Efek News NFP tanggal 2 Juni 2006 lalu.

News Apa ini....?!?!??!?
Temen-temen gak usah pusing mikirin ini news apa, yang jelas, setiap JUM’AT Minggu Pertama tiap bulan, NEWS ini selalu Muncul.... sebulan sekali, jam 20.30 WIB.

Gambar tersebut adalah Efek News NFP tanggal 5 Mei 2006 lalu. Bisa anda lihat bahwa selalu diatas 100 pips efeknya... khan...??

Efek dari News ini selalu 1 (satu) arah dengan cepat, apakah keatas apakah kebawah, nah kalo gitu...ngapain ragu..... buat perangkap ajah.

Nah, sekarang coba kita buat Perangkapnya..... hehehehe :D

Strategy :

Sebelum News Muncul..... mulai Pagi... LIBUR Trade.
Mulai Trade sebaiknya 30 menit menjelang News Muncul.
Pasang Perangkap, silahkan lihat Strategy Perangkap NFP.

Caranya:

Cari High & Low transaksi 2 jam menjelang News Muncul.
Silahkan Open BUY di HIGH, lalu SELL di LOW.
Ambil Target +100 pips saja.
Ambil Stop Lose masing-masing – 40 pips saja.

Strategy ini hamper 90% selalu sukses.

Kuncinya adalah :

Ketahui Kapan Jadwal News NFP bakal muncul bulan ini.
Siapkan Perangkap 100 pips di 10 menit menjelang News Muncul dengan Posisi seperti yang saya jelaskan tadi.
Jika anda sudah terbiasa dengan perangkap ini, gunakan Quantity 30 % dari Margin anda.
Nikmati hasilnya 1 bulan dan nunggu News NFP Bulan Depan untuk trade selanjutnya.
Hemat pulsa, libur trade 29 hari.... hahahaha....

Simulasi:

Deposit $3000, anda trade dengan $1000 (Quantity 10.000), dengan keuntungan 1 pips = $10, dengan trade 15 menit sebulan sekali ini, 100 pips diperoleh sebagai target sehingga hasil bulanan cukup $1000..... (10 juta bro..... hanya dengan 15 menit sebulan sekali...).

2007-03-17T21:23:00.000-07:00

FLOATING, TARGET & STOP LOSE STRATEGY

Margin = equity atau modal anda yang tersedia untuk menahan kekalahan (profit minus).

Trade sesungguhnya bukanlah kepintaran anda dalam analysis fundamental (news), analysis Technical (membaca grafik), melainkan hanyalah kepiawaian anda melakukan MANAJEMEN MARGIN.

Terbukti bahwa 90% trader GAGAL dalam trade Forex hanya disebabkan melakukan Manajemen Margin yang salah.

Contoh Manajemen ini sebagai berikut:

Anda Deposit dengan $1.000 pada ForexFirm dengan Laverage 1:100, ini artinya anda memiliki kekuatan quantity sebesar 100.000. Jika anda lakukan trade dengan quantity 10.000 maka sesungguhnya anda telah menggunakan 10% dari margin anda.

Jika ternyata posisi yang anda pilih salah dalam trade, maka anda memiliki kemampuan untuk menahan kekalahan sebesar -900 pips untuk satu posisi tersebut. Jika posisi -900 pada posisi anda dijumpai maka anda akan kena ”MARGIN CALL” dan nilai deposit anda akan menjadi tinggal $100, senilai Quantity anda tadi, dan hilanglah $900 anda.

Kesalahan ini disebabkan karena anda melakukan FLOATING.

Floating ini adalah membuka posisi SELL ataupun BUY tanpa ditutup dengan TARGET maupun STOP LOSS.

Jika anda tutup dengan Order Target, maka di posisi tersebut posisi anda otomatis tertutup dengan hasil PROFIT. Jika anda tutup dengan Order Stop Loss, maka posisi tersebut otomatis tertutup dengan hasil MINUS. Tradding dengan FLOATING adalah BUNUH DIRI! Nah, untuk menghindari hal ini, anda harus melakukan manajemen margin yang akurat, caranya adalah :

BUY hanya disaat posisi currency RENDAH.
SELL hanya disaat posisi currency TINGGI.
Sebaiknya jangan gunakan Margin > 10 %.

Nah, sekarang pertanyaannya adalah bagaimana cara menemukan bahwa harga saat ini merupakan Harga Rendah atau Harga Tinggi agar bisa dilakukan Open Posisi yang sesuai.

2007-03-12T02:25:00.000-07:00

Belajar Forex Trading Valas di Marketiva

Bisnis dan Belajar Forex Trading Valas tanpa Modal Sepeserpun di Marketiva! Free Bonus $5 Saat Registrasi, Legal, No Commission Fee, No Overnight, No Interest, Spread 3, Trading Bisa Hanya dengan Modal $1, Deposit dan Withdrawl dengan e-gold, Wire Transfer, dan e-bullion. Ayo Manfaatkan Peluang Bisnis Marketiva Online Forex Trading Valas untuk Mencari Uang di Internet. Ayo Belajar Trading Valas Marketiva, Semua Serba Gratis!

Real Forex Trading Valas tanpa Modal Sepeserpun di Marketiva

Forex trading (valas trading/perdagangan valuta asing) saat ini sudah sangat mudah untuk dilakukan oleh siapapun dan dari manapun. Dengan modal komputer yang tersambung ke internet, kita sudah bisa melakukan forex trading (valas trading) baik dari rumah, kantor, warnet, dan darimana saja yang penting ada fasilitas sambungan internet. Dengan mendaftar di Marketiva, Anda tidak perlu lagi memikirkan modal untuk melakukan forex trading (valas trading), begitu daftar langsung bisa trading karena Anda mendapatkan cash reward $5 real money untuk live trading dan $10,000 virtual money untuk simulasi dengan kondisi pasar yang sesungguhnya. Belajar forex trading (valas trading) dengan metoda belajar sambil praktek akan membuat Anda lebih cepat memahami segala hal tentang forex trading (valas trading).

KEUNGGULAN

Marketiva provides spot forex on major currency pairs and crosses; $5 cash reward you can start trading right away; tight spreads from 3 pips; trading on 1% margin; virtual and live desks within one account; latest news, alerts on market events, signals, no market commissions; zero-interest on open positions, 24-hour support, chat channels, the most sophisticated and easy-to-use forex charting tool; ability to trade from the charts and the best forex trading software available!

Untuk bisa memulai transaksi sekaligus belajar forex trading (valas trading/jual beli valuta asing) di Marketiva, ikutilah langkah-langkah berikut secara berurutan.

MENDAFTAR

Untuk mendaftar, silakan buka website Marketiva, setelah terbuka, klik Open Account, isilah data diri Anda secara lengkap. Untuk field dengan tanda * (bintang) harus Anda isi, yang lain boleh Anda kosongkan.

Username: pilihlah username yang indah, karena akan Anda gunakan untuk chatting dengan sesama trader, misalnya: cinta, cantik, handsome, dsb.
Password: minimal 8 karakter gabungan huruf dan angka.
First Name: isi nama depan Anda
Last Name: isi nama belakang Anda, jika nama Anda hanya terdiri dari satu suku kata, masukkan nama Anda tersebut di field First Name dan Last Name. Contoh: jika nama Anda adalah Fitri, maka masukkan First Name: Fitri, Last Name: Fitri.
Untuk data alamat isikan sesuai dengan KTP Anda.
E-mail: diisi alamat e-mail Anda yang masih aktif.

PERHATIAN: Seluruh data diri yang Anda isikan harus sama dengan KTP, karena akan dilakukan proses verifikasi untuk bisa melakukan transaksi forex trading (trading valas).

Setelah selesai mengisi, klik tombol Continue>

User Template: pilih Standar Forex Trader
Coupon: boleh dikosongkan
Recovery Question: pilih yang paling cocok dengan Anda, misalnya Anda memiliki kucing dengan nama manis, maka pilih: What is your pet's name?
Recovery Answer: dalam contoh ini maka jawaban anda adalah: manis

Setelah selesai mengisi, klik tombol next>

Berilah tanda chek pada pilihan: I have read, understood, and agree with the Service Agreement under which Marketiva Corporation provides it services and products. I have also read and understood the Risk Disclosure statement and I am willing and able to assume such risks.

Setelah itu klik tombol [finish]. Maka proses pendaftaran Anda sudah selesai. Anda akan menerima email perihal pembukaan account anda di Marketiva.

Image ID: Scan KTP/SIM/KTM atau kartu identitas lain yang ada foto dan nama Anda tertera di kartu identitas tersebut.
Image Adress: Scan data tagihan yang alamatnya sama dengan KTP/SIM/KTM Anda, misal tagihan listrik, tagihan telepon, rekening bank dll, data di tagihan ini digunakan untuk konfirmasi alamat.
Scan data harus berwarna dan masing-masing file ukurannya maksimal 100kb, jadi sewaktu scan, resolusi di set ke 72-100 dpi saja.
Bila Anda tidak mempunya data tagihan yang ada nama dan alamat Anda disitu, maka anda boleh mengupload scan ktp saja, scan bagian depan KTP sebagai ID image, bagian belakang sebagai Address image.
Upload scan data tersebut di sini

Setelah mengupload data, melaporlah ke live support yang ada di situs Marketiva. Beberapa saat kemudin Anda akan diberitahu bahwa data diri Anda telah selesai diverifikasi.

MEMBUKA ACCOUNT E-GOLD
Proses deposit dan withdrawl termudah adalah dengan e-gold, silakan Anda baca secara lengkap tata cara membuka e-gold, klik disini. PASTIKAN: Nama lengkap Anda di account e-gold harus sama dengan nama lengkap di Marketiva, jika tidak sama maka Anda akan mengalami kesulitan dalam proses deposit dan withdrawl.

MENDOWNLOAD DAN MENGINSTAL STREAMSTER
Untuk memulai transaksi forex trading (valas trading) di Marketiva, Anda memerlukan software Streamster, silakan Download dengan cara menekan tombol get streamster di bagian kanan atas website Marketiva dan install di komputer Anda, kemudian jalankan program Marketiva, Login dengan username dan password yang baru saja Anda buat. Setelah selesai Anda download, double klik file hasil download Anda tersebut untuk menginstallnya di komputer Anda, ikuti langkah-langkah yang diminta.

LOGIN DAN MULAI BERTRANSAKSI

MEMBUKA ACCOUNT E-GOLD EXCHANGE

Bila Anda ingin mencairkan e-gold ke dalam bentuk mata uang Rupiah, yang perlu Anda lakukan adalah menjual kembali e-gold Anda ke merchant e-gold di Indonesia contohnya indochanger. Dalam transaksi tersebut Anda akan mentransfer e-gold ke rekening merchant dan Anda akan menerima uang dalam bentuk Rupiah (biasanya melalui ATM atau transfer bank, disarankan Bank Central Asia). Untuk mengisi e-gold, yang Anda lakukan adalah langkah sebaliknya, Anda setorkan Rupiah ke merchant, dan merchant akan mengisi account e-gold Anda. Silakan buka account e-gold exchange Anda di: indochanger.

Demikian uraian singkat Step by Step Forex Trading (Valas Trading/jual beli mata uang asing/valuta asing) di Marketiva. Selamat mencoba, Good Luck!

valas educations

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What is the Best Forex Trading Software

Compare Forex Trading and Stock Trading

Forex Trading Course For Beginners

A few helpful mortgage application tips

Basic things to know when incorporating your business

Ways to improve your mortgage terms

What makes a good mutual fund good?

Creating jobs in a way of borrowing money for new businesses

The concept of borrowing money and its importance to the economy

Helpful mortgage application tips

About your home and taxes

Everything you should know about your house and its tax issues

Applying for a home mortgage

How to improve your mortgage terms

Things to know when applying for a car loan

What makes a good savings

Basic things to know if incorporating your business

Can you afford the loan you are applying for?

Think about retirement while you are young

Credit cards not the best tool for getting credit

Makes Business Easy through Export and Import Directory

Thoughts about using credit card debt

Money is a product like any other product

Some random thoughts about consumer credit and debt

Getting A Mortgage For A Manufactured House

How does debt grow the economy?

Credit card has some drawbacks to cash

Online small business strategies that can make a difference

Standard Forex Terms

Types of Foreign Exchange Orders

Forex Calculation

Forex Calculation

Utilizing Stop Loss Order

Risk Management

Risk Warning

How does a faulty Forex dealer cheat your money?

Pick the best Forex broker if you value your money!

Understanding the risks in Forex trading

Picking up the right Forex dealer

Stop loss order

Avoid too high margin trade

Diversification in Forex trading

Conclusion

Training your Currency Trading skill for better exposure

Forex Trading is booming!

Where to start learning Forex?

What beginners need to know about Forex trading?

Starting in FOREX trading

Major currency traded in FOREX market

Major players in FOREX market

Why should I do FOREX business?

Conclusion

Forex Beginners 'Must-Do'

'Must-Do 1': Invest in your brain first

'Must-Do 2': Getting the right trading system

'Must-Do 3': Have a trading plan

'Must-Do 4': Money management

'Must-Do 5': Discipline trading

10 Tips for your success in Forex trading

Tips and Tricks - forex

Forex Currency Trading Online: 5 Steps To Avoid The Common Tragedy

Forex Charts - How to Read a Currency Chart

More Currency Charts

Free Forex Charts

The Future of Marketiva in 2009

Privacy Policy

Privacy Policy

Tertarik Untuk Meningkatkan Kecerdasan Finansial Anda?Ayo Daftar Sekarang Juga!Kurang dari 5 menit anda sudah bisa langsung trading!

gambar

Streamster Application

Cara Join Transaksi Trading Forex

Non-Farm Payroll

Tertarik Untuk Meningkatkan Kecerdasan Finansial Anda?
Ayo Daftar Sekarang Juga!
Kurang dari 5 menit anda sudah bisa langsung trading!