Retirement annuities - VARIOUS KINDS OF ANNUITY AGREEMENTS

Someday everyone who is an employee needs to retire and then the monthly income just stops coming. It is this day that the middle-aged citizens worry about and that is the Day of Retirement. It is like an omen waiting out there in the dark. Retirement does continue to bring home some money to the retirees in the form of the social security and the pension but that is not enough to cope with daily necessities and a lifetime that can make one a centenarian and more. The money may just now be enough. People may live longer than their money and then what?

It is questions like these that send one into a frenzy. The insurance policies do not cover enough and there are meant for only specified periods of time. Then surely it is only a miracle that can help you through. No, all you need is an annuity and that will take care of your retirement anxieties.

An annuity is the product of an insurance company and sometimes other financial institutions. It is the safest and surest bet of allowing your money to live longer than you and be passed on to your heirs. There is no need to worry about is there enough and move on to making great plans to enjoy your retirement. Is this true? Yes it is! An annuity can just not help save the day, it will help save your tension and that is surely an indication to a longer and healthier life and lifestyle.

DEFINITION:

An annuity is a series of amounts that are paid at specified periods during a specified time and it is made usually for an annuitant?s lifetime or that of the annuitant?s spouse. Today the US claims US Dollars Four Hundred and Ten Billion or fourteen percent of the complete savings that are saved by families! That is indeed sweet money!


THE VARIOUS KINDS OF ANNUITY AGREEMENTS

Annuities Agreement is as follows:

Deferred or Immediate Annuities

While immediate annuities that pay you as soon as the premium is paid by you, the deferred annuity allows you funds that begin on a specific dates that occur several years later.

Single Premium or Premium by installment

The single premium allows you to deposit only one premium in the annuity company while the installment premium allows you a specified series of payments. These premiums are often flexible in nature and allow you to deposit what you desire.

FEATURES OF THE ANNUITY AGREEMENT

As an annuity is basically the most unique investment choice when it comes to security, they have several more features than any other kind of investment. Some of them are as follows:

The present interest that is compounded highly

The security with regard to the principal

The growth of income that is tax deferred and three fold such as the interest on the principal, on the interest itself and on the taxes.

The Client does not pay any commission charge

Probate is overlooked

Options if the annuitant needs to withdraw

The exchanges that are done without any tax appended

The accounts of the annuitants that are IRA qualified or non-qualified

The principal is secure and only payments are effected with interests

This is one investment that you can?t outlive

The maintenance of an annuity is low-key

THE ANNUITY AGREEMENT CHARGES

Some of the charges that you are likely to incur when buying an annuity are the following:

The Premium charge percentage

This fee is taken from each of the premium that is paid. The percentage sees reduction in later years of the agreement or once a particular point is arrived at after the complete premiums have been paid.

The Fee for the Agreement

There is a fixed fee that is charged either at the time of issue of the annuity or on a yearly basis.

The Fee for Transactions

There is a fee for each payment of the premium or any other transaction that is made.

The Surrender Charge

This Fee is a percentage considering the value of the agreement or of the paid premiums. The reduction in percentage may be lessened after the agreement has been in use for several years.

INTEREST RATES FOR ANNUITY

This rate of interest that is taken to collect the values of the agreement may be lower than the assured interest rate that has been mentioned in the agreement. While the current rate is changeable on and off, the secured rate cannot be changed.

BENEFITS OF AN ANNUITY

There are incomes payments that are paid in 30 day time periods although there are other means of paying an income to an annuitant.

Benefit rates are applicable to the annuities based on age, gender, etc.

The annuitant cannot outlive the funds from an annuity

FORMS OF ANNUITY

The straight life form is that the annuity payments are rendered to you as long as you live. Once you die, the payments stop.

The Life within a certain period means that the annuity is given as long as you live. However if you should die before the specified period of the annuity agreement, then the annuity will continue to the beneficiary of your choice. These certain time periods are ten or twenty years.

Another annuity form is the joint and survivor from where the annuity is payable as long as you or the other who has been named in the agreement is alive. There is a certain period feature attached to this annuity.

The benefit by death is an annuity that should you die before the serial payments begin, the said payments go to your named beneficiary.

The benefit of surrender is when you surrender your agreement and your monthly payments before the payment of period begins. Thus you close the agreement.

Withdrawal form is whereby you can withdraw a part of your annuity investment funds under specific conditions.

The waver of premium benefit is an annuity that will continue to pay its premiums to you if you become handicapped. An early charge is usually applied in order to avail this benefit.

USES OF ANNUITY FOR THE RETIRED

Retirement plans are what the annuities seek to resolve. Therefore annuities are best suited for the retirees as they are based on long-term plans and pay off very well in the future. Today every one is looking at retirement plans for the future because the old now want to be independent. The limitation of the employers has brought much focus to the fore and the truth that employers may not be looked up to finance the retirement necessities of their employees.

Therefore the annuities form the best way of collecting funds as a supplement form to aid social security and pension. The qualified and the non-qualified tags of an annuity refer to the part of the annuity plan has been approved by the Government. A non-qualified annuity can be purchased by anyone and is not part of the employer?s provident fund for the future.

The Deferred Annuities work best for the retired because they allow payments to start after several years. The elderly individuals now look to secure their future.

With retirement annuities that come to save the day, many an elder can now look forward to a peaceful and comfort-filled life for as long as they live. Vive la the retirement annuities!

Option trades - HOW TO START OPTION TRADES

Everyone wishes to make the most of their life here on Earth. Most of us want to enjoy the luxuries that money can buy. And that drives us to make more money in a shorter period, a sufficient bulk that will keep us living in style till the end of our days. Of course, the magic of making money definitely favors the brave soul because big money made in a couple of years involves big risks. That is why for Trading, we need that characteristic called courage to place our bets and win! Trading is a booming industry and traders know the risks they run when they trade exchanges. There is no telling what the final outcome can be. You can end up being a millionaire or quite simply a pauper. These extreme states have been reduced by practical minds who have invented the conservative measures that reduce the loss through risks taken. However, on the hand, it also means that the money made is lesser when the risk is low.

Trading is like knowing the ropes all the way down to the finale and then let go of the ropes and hope you will land in safe waters or have a soft landing. It is about relying on chance, at the end of it all. However thanks to the Internet and the software trading companies who can offer software to inexperienced traders. They can work on virtual trades with play money before actually staking their bets in the real markets, many a wannabe has benefited from the experience of trading. It is important to know the 90% of trading rules and the 10% to be left to chance. That is why you do business in trading. Unless you seek an option to help you out, you will find it in Option trades.

DEFINING OPTION TRADES

Option Trades is that you trade option contracts in return for an exchange. This kind of trading is done via the online option brokerage firms involved in trading and is often known as Online Option Trades or Online Option trading. Index Options or equity/stock options are when the options are traded in the stock exchange. This trading also means that you have the option with regard to the trade that you make. With other trading styles, you do not have this feature, which can help minimize your loss, just in case.

WHY CHOOSE OPTION TRADES?

It has been implemented by successful investors because they have experienced through this trading mode, that there is an outer plan to financial freedom. However, as narrate to others that this trading belongs to the rich who are interested in investments and hence, one wonders why is this kind of trading become so strong?

OPTION TRADES AND LEVERAGE

Well, Option Trades gives you an influence over the rest. The term used in the trading market is Leverage. You have the power to make more than ten times your financial input when you make the similar move in the principal stock against easy stock trading. Although it wasn?t intended to become a tool for leverage and instead works as a hedging instrument, nevertheless, it is a fantastic way to gain while taking a risk with a small amount of finance. That is why the option favors not only the rich but even the common man! There is unparalleled force over the other kinds of trading.

This effect of power that the option trades gives out encourages the investor to take part, even with a small sum of money, in the move of even costly stock because the stock options are just a small part of the price of the principal stock!

PROTECTION WITH OPTION TRADES

Yes, with kind of trading you can expect protection. In the most adverse market case scenario, if the stocks should move against you, you are likely to suffer loss far lesser than that of the stock trader. This is because the loss that you suffer the most is protected by the cost of the option that you paid for before you began trading and this could be only ten percent! If it is a put option then you can further protect your shares since this kind of option acts as insurance when you shares begin to decline in value.

FLEXIBIliTY AND OPTION TRADES

There is gain from any kind of move you make in the principal asset of your shares. Whether the market rises or declines and just stands still, there is always a handy plan that will help you gain from the move you make! That is why you can simply take part even when the stock is declining but purchasing a put option that saves you from taking the risk for margin calls. This can mean that you would have had to decline your price with regards to your principal stock or the futures.

HOW TO START OPTION TRADES

The simplest method to begin option trades is by getting an account on the option online trading website. This is done by registering with a brokerage firm that allows online option trading and then makes it a practice to purchase call options for the goods that you believe will rise and purchasing put options for the goods that you believe will decline. Once you are thorough with call and put options trading, you can now advance into further complex moves with your options trades.

THE CALL OPTION

This kind of option is a contract regarding finance that is agreed between the purchaser and the seller of this kind of option that has a principal financial tool. It is named as call. Here the purchaser is allowed the right though is not obliged, to purchase a quantity of the underlying goods (the quantity has been already upon in the contract) from the seller who sells that particular call option. This has to be done before the call option agreement terminates at a specific time for a previously fixed cost that has also been agreed upon known as the strike price. Therefore it is simply the act of purchasing stock at a determined price. This option terminates when the date of termination arrives.

THE PUT OPTION

This kind of option is a financial agreement between two members, the purchaser and the seller that relies on a principal asset. This option is the exact opposite to that of a call option and this encourages the purchaser to gain from a declining move in the principal stock. These options are named as put where the purchaser exercises his right though is not obliged to have an agreed upon amount of the principal stock sold to the seller who has the put option prior to the expiry of the agreement at a specific time known as the date of expiration for a price that is already determined and agreed upon known as the strike price. In simple language, it means that this kind of option endows you with the right to sell goods at a predetermined cost prior to the expiry of the put option.

THE OPTION TRADE CONTRACT:

It is necessary to know just what an option trading contract will contain. Here they are for your knowledge:

It explains if the contract is a call option or put option

The principal asset or security

The strike price otherwise known as the exercise price

The date of expiration of the agreement

The amount of the principal goods that stand as assets and that are shown in each contract. The normal format says that one hundred shares are represented per equity or stock option.

The cost of the Agreement (it means the cost per option agreement is arrived at the Intrinsic Value plus the Option premium.

Well, now that you know you stand to gain and hardly ever suffer great losses, you may want to try your hand at option trades. There are many brokerage firms and trading courses that can help you reach there. So what is your option, call or put? Do not wait!

Pacific life annuities-INSURANCE COMPANIES AND ANNUITIES

Today around 400,000 billion US dollars of premiums in terms of percentage is rocking the US treasure chests and this money along comes from annuities of the retired folk. The Annuities are investments, if made in your 30?s pay off big time after you retired. There is IRA annuities and non-IRA annuities that simply means that the former qualifies under the employer?s providing income after retirement and the latter is for anyone sans the employer?s providing income scheme for after retirement.

INSURANCE COMPANIES AND ANNUITIES

The insurance companies are the companies that issue annuities, the others being financial institutions that cater to financially servicing the needy public and banks. However, insurance companies are the folk whom most people approach when they want to buy an annuity. It is important for an insurance company to be financially sound so as to back the annuities or investments deposited by the annuitants. A financially sound insurance company is the company that sells the most annuities. That is why it is important that an insurance company has a financially sound reputation to sell annuities to people who require a retirement plan. There are many insurance companies who try but cannot fulfill the contracts financially to their customers because they are in debt themselves. Thus it is important to pick a good insurance company that will make that promise for a lifetime. One such insurance company is the Pacific Life Insurance Company that specializes in annuities, apart from other investment/insurance plans for people. They are here to offer great services for retirees and others who have put their implicit trust in them. They continue each day working every minute to make your future dreams come true the annuity way.

WHAT MAKES A GOOD CHOICE

This insurance company renders very good chances in investments. Yet, one must know what are the different choices that Pacific life annuities offers in terms of annuities to their customers. One such choice is the planning for retirement.

This company is continuously undergoing changes to better themselves and their record informs us of the same. Therefore it is the right choice to invest your funds and observe it increasing as the years go by.

GET YOUR ANNUITIES ONliNE WITH PACIFIC liFE

The Pacific life annuities now allows you complete information on what they have to offer. The new Valet system of this company issues applications on the disk or a secure net port to the experts in the field of finance everywhere in the country. The website provides all the information you could ask for regarding annuities that this company issues.

OFFER

This insurance company offers immediate annuities and deferred annuities.

Immediate annuities

The immediate annuities offer consistent payments on a monthly basis throughout your life span. To affect this annuity, you will need to deposit a lump sum in cash to start receiving the monthly installments immediately and if you are retired, then this will be of great help.

Deferred annuities

Here you invest a certain sum of your funds covering a couple of years or the period that best suits your convenience. The two kinds of deferred annuity are the fixed deferred annuity and the variable annuity. While the fixed annuity makes fixed payments in consistent periods, the variable annuity changes its payment according to the changing account worth.

WHY DO YOU NEED AN ANNUITY FROM PACIFIC?

This question can only be answered by you because it is you who have a picture plan in your mind as to the retirement you wish to have. If you plan on a leisure retirement then retirement planning in terms of an annuity is definitely for you. However if you need to know your savings for this kind of annuity retirement, Pacific life annuities provides you with a calculator that can plan your retirement according to your savings. It will also help you know if you can save that amount of money for your future retirement plans.

ABOUT YOUR EXPENSES AFTER RETIREMENT

In order to avail of the annuity facility, you must take into account the kind of expenses that you may incur during the annuity period such as health, medicals, vacations etc. However now that you know you do not have expenses that are of the educational, work or entertainment kind, you can balance these savings accordingly to work in your favor. This is where Pacific Life Annuities can step in and help you with planning your savings.

ASSUMING AND THE UNFORESEEN

also help you make practical decisions regarding the future plans in terms of predicting the growth of your earnings and the rates of interests that can fluctuate now and then during the annuity savings period. The unforeseen can relate to health, sickness or an accident that can cause your savings to drop for sometime. This affects the overall annuity payments in the future.

OTHER ISSUES ADDRESSED BY PACIFIC liFE

Allocating the assets that are usually bonds and stocks and fixing their divisions with regard to an investment portfolio is what Pacific Life Annuities look at for you. They help plan how to range your assets and this can balance any derails that you may encounter in your investment.

The DCA (Dollar Cost Averaging) allows you to count on the dollar in the stock markets and Pacific Life seeks to maintain that cool in the face of fluctuations.

Pacific Life also seeks to help you take advantage of the IRA. As this is a personal plan for retirement, Pacific Life can help you look into various ways of using your IRA to maximum benefit.

Pacific Life also addresses the issues on retired women as they tend to live longer than men, their earnings are lower than that of men, their work life can be short-lived due to family demands, they get lesser benefits on retirement and the growing fact that today?s woman may spend most of her life unmarried and hence must needs to secure her own future.

deals with all kinds of retirement concepts to suit an individual?s need as he plans his future life of leisure and ease.

EANGE OF PRODUCTS

Pacific Life offers a wide product range that can aid you in fulfilling your goals on a financial level and this in the form of annuities reach out to customers everywhere. Their efficient service only calls to a sound financial insurance company that looks out for the annuity life of a prospective client. Pacific Life always takes up the challenge of retirement as they screen each and every individual chart and come up with innovative concepts to suit your budget and still procure that dream of a life of retirement. It addresses the biggest question in the mind of the prospective client and that is Will I outlive my money?

With expert professionals in the annuities departments, they can personally attend to your queries and deliver all information that you so need about an annuity before you go ahead and invest in one. However their aim is just not your investment but the follow-up and ultimate satisfaction of the customer.

That is why Pacific Life is one of the annuity companies that are financially capable of making your future dreams a reality through their various annuity schemes. You can bank on them with your life.

Swing trade-HOW TO BE SUCCESSFUL AT SWING TRADE

Trade has always been the lure for business people who look to risk their capital in the stock markets and make good money in a short time. Thanks to the Internet, trading has reached almost everyone even while they sit at home! Trading has gained and is gaining by the day the popularity of money-making in the stock markets and it is all due to the convenient Internet that provides the inexperienced trader with learning courses and trading tools to help him or her study the markets, understand how is a trade is made and enter with confidence. The trading brokers advertise their expertise over the Internet and the wannabes register with them in return for a certain amount of shares of the trader in the name of the trade brokerage firm. Then together, the adviser and the trader work on the stock market to pit their experience and luck on the stock that would bring in the mighty profits.

Trading however is not for the passive. The risk factor is high in the trading as the promise of quick and big money. Nobody can successful predict trading of stocks in the market. The element of chance resides over and is the judge in the end. Therefore, a trader has to be made aware of the all-presiding risk and then, if on the cautious side, makes conservative trades initially, till he gains enough confidence to take the bigger risks with better payoffs. He is also advised to trade with surplus money only as then the loss incurred will not shake his financial fortress.

DAY OR SWING TRADING

Swing Trading is another name for day trading, but with adaptations. It is a basic trading that one does encounter in the different kinds of trading that takes place in the stock market. However, slightly varying from day trading, here the trade can hold his position longer than twenty four hours. Therefore it is feasible to say that swing trading is a form of trading that lies in between day trading and trend trading. While a day trader trades for a day, the trend trader may be in position of the stock for a couple of weeks or even months. Thus swing traders can be in position of stock for a couple days or 2 to 3 weeks at the most where the stock can be traded the oscillating of the prices that soar or decline and that happens intra-week or similarly intra-month basis.


HOW TO BE SUCCESSFUL AT SWING TRADE

In order to be a good swing trader, one needs to choose the correct stocks. In circumstances where the bear and bull market cannot predict successfully the rise and fall in stocks, the best to handle this is to conduct a term longer than usual trend that is in a particular direction. It is also important to identify the right kind of market that is currently in trend and that happens usually in after sight. If the swing trader can identify by using EMA which he does with his chart for stocks, he or she can well handle the oscillations of the stocks. Therefore a swing trader never looks to win in a one trade but waits when the stock reaches the baseline that confirms the direction prior to trading their next move. At the time of profits a good swing trader will wait for the channel line to reach its level before they extract their profits and this happens when the market is strong. Likewise in weaker markets the profits may be taken prior to the line being hit.

HOW SWING TRADING HELPS A NEW TRADER

This kind of trading is among the best for the new trader when he wants a taste of trading in the stock markets. The duration of a couple of days keeps the motivation running and avoids distraction. In this way, they are able to learn the trend of the markets and later take on bigger risks and better profits. Swing Trading attempts to gain stock in just under seventy two hours. The potential of the stock over such this medium duration keeps the new traders on their toes and therefore needs to move fast to make the profitable move. He is able to make his entries and exits quickly. He is also able to observe the movements and explore the stocks without the rivalry from big trade competitors.

THE CORRECT MARKET

Choosing the correct market will set the swing trader in the profit direction. The extremes of the market movement fluctuate between the bear and bull markets, therefore the swing trader picks on the market that appears to move nowhere that is when indexes soar for the next few days and then fall for the following couple of day and the patterns continue. While the trend trading is more applicable to long term trading, swing trading does better in shorter term trading and hence the swing trader looks to the shorter duration and applies his strategies.

THE liNE AT THE BASE

In a trading scenario when the stock hits the baseline and the direction is confirmed, this becomes the best setting for traders to apply their moves. However swing trading does not seek the baseline of the stocks neither is it dependent on exact timing of when to purchase stock at its most lowest price or have it sold when it at the top. Thus swing traders work on a medium balance and the baseline is the time to set the strategies and clock the movement of the stocks.

When it comes to making profits, the swing trader will wish to exit the trade as near as possible to the top or lower channel and without the need to become accurate and therefore run the risk of losing out on the best that can be yet to come. That is why in a market that is strong where the stocks proceed in a direction that is of the stronger trend, the swing traders wait for the channel line to be reach its limit and then take their profits or else in the weaker market scenario, the collect their profits before the baseline of the stock is hit.

THE MARKET PRIOR TO:

The swing trader of the retail kind will in all likelihood start his day at the stroke of six based on the EST time and that is earlier than the bell that opens the trade. It is important for the swing traders to get the hang of the market for the day and then look for trades with the best potential. They also do their trading by setting up a observer?s list that happens everyday and lastly, they keep looking up on the current positions that appear in the market where the initial job is to learn about the current information and trends on the markets. The fastest way to do this is by watching cable television. Here the swing trader makes a note of the trend of the market, whether in a bearish or bullish mode, the sentiment of the sectors that look promising and the existing holdings of the stock.

OPPORTUNITIES FOR SWING TRADERS

There are many opportunities made available for swing traders and one such is the chart breaks. The swing traders will watch out for the patterns that happen regularly where they are given indications of the breakouts and even breakdowns. The chart helps the swing trader to purchase after a breakout and selling the stock again in a small duration thereafter at a consecutive level of resistance. Trading after hours looks to one main component and that is evaluation by performance. However careful attention must be paid to the after hours earnings and information relayed or any other kind of financial event that could make an impact on your stock holdings.

With swing trade being the best medium for inexperienced traders, it is inevitable that more and more people will go in for this style of trading because it allows opportunities to grow in the art of trading. With the help of making a daily routine for trading, this can make you into a better trader and finally in the end beat the returns in the market. All it requires is some good organizational skills that include preparing and planning your next swing trade move.

Euro exchange rate-ECONOMIC AND MONETARY UNION

I. EUROPEAN UNION

The European Union is a sterling example of successful economic integration among the countries of a region. Formerly known as the European Economic Community, the Union was born out of the Treaty of Rome entered into among six European countries Belgium, Netherlands, Luxembourg, France, Germany and Italy who are also its founder members. It came into operation on January 1958.

 Under the Treaty of Rome the member countries agreed to:

i. Gradual liberalization of trade among the members with a view of achieving zero tariff level as early as possible.

ii. Evolving a common external tariff among the member countries for inter regional trade.

iii. Evolving a common agricultural and transport policy.

iv. Removal of obstacles to the free movement of persons, services and capital.

v. Establishing the European common market with a view to reducing intra regional income disparities and promote trade among the members.

vi. Evolving common fiscal and economic policies to the extent possible for the functioning of the European Common Market and the remedy disequilibria in their balance of payments.

The member countries agreed to abolish in a phased manner all the tariffs among themselves and adopt a uniform tariff for trade with other countries. This was achieved by 1968. The next step was to integrate the European Community into a single market with single set of laws, tariffs and fiscal barriers. This was to be achieved b y 1992. In June 1985 the European commission issued the white paper listing various legislative proposals on completing the internal market. The proposals essentially centre on abolishing existing physical, technical and fiscal barriers. These include border controls, technical standards and regulations and disparities in tax regulations. The single European Act, which became effective in July 1987, provided the legal basis necessary to implement the integration of European market.

The European Union is operating as a single market with effect from first January 1993 with the elimination of barriers to the movement of goods, services, capital, manpower and skills within the bloc. At present the membership includes 15 countries with the addition of England, Ireland, Denmark, Greece Spain, Portugal, Austria, Finland and Sweden. It now constitutes the worlds largest and prosperous market with a share of 40% in the world trade.

II. EUROPEAN MONETARY SYSTEM

On the monetary front, the European monetary system was conceived to pave the way for European monetary integration. The main objective of European monetary system was to establish a zone of monetary stability in Europe and to achieve a greater convergence of financial and economic policies among member countries. It was thought of as a protection to the European countries from the instabilities of US dollars.

The European monetary system became operative from March 1979 with the members of European Economic Community except Britain which opted to remain outside the system. Each member country of the Euro exchange rate agreed to maintain exchange rates within certain margins through concerted intervention policies. It also provided for mutual credit facilities to implement the policy of stability of exchange rates.

An innovation of the European monetary system was the creation of European Currency Unit. The European Currency Unit occupied the central position in the system. Euro exchange ratet was the unit of account for mutual monetary assistance. It also served as an indicator of divergence in exchange rates of currencies of member countries. In addition, it was used as a measure of settlement among the central banks of the members. In short, European Currency Unit of account of the European Monetary system and occupied the same position that is occupied by Special Drawing Rates in International Monetary Fund.

III. EXCHANGE RATE MECHANISM

European Currency Unit was a basket of fixed amount of European Economic Community currencies.

The parties of all the European monetary system currencies were declared against the European Currency Unit. As the party of all European monetary system currencies was fixed in terms of European Currency Unit, each pair of these currencies had a fixed cross parity. The central bank of a member was required to keep the market rate for its national currency against each other participating currency within 2.25% above and below its cross parity. The central bank of each participating country declared selling and buying rates for each other participating currency 2.25% above and below the cross parity bank to deal at these rates was to ensure that the market rates do not go beyond the limits.

In addition to maintaining the cross parity with other currencies, each currency was allocated a maximum percentage deviation against its European Currency Unit central rate known as the divergence indicator. When this divergence was reached, there was a presumption that corrective action will be taken by the country concerned. The maximum divergence indicator against a currencys European Currency Unit central rate varied from currency to currency.

IV. ECONOMIC AND MONETARY UNION

The integration of the European Union was complete only with the evolving of a single currency for all European Union countries. At a summit meeting of the Euro exchange rate heads of government held in Netherlands in 1991, it was decided to achieve the economic and monetary union in three stages.

The members of the European monetary system are eligible to join the European monetary system subject to fulfillment of the following conditions:

i. The Yearly average inflation of the country not to exceed by more than 1.5% the inflation levels of three of the best performing member countries.

ii. The yearly average long term interest rates not to exceed by more than 2% that prevailing in the three best performing member countries.

iii. The government deficit not to exceed 3% of the gross domestic product or should be falling substantially towards this figure.

iv. The gross government debt not to exceed 60% of gross domestic product or must show a satisfactory fall towards this figure.

v. The exchange rate of the countrys currency must have moved for at least two years within the normal European monetary system margin.

V. LAUNCHING OF EURO

Euro was launched on January first 1999 in line with the schedule set out by the Maastricht Treaty. Eleven out of fifteen member countries in the European economic and Monetary Union which achieved the Maastricht convergence criteria irrevocably linked their domestic currencies to Euro in 1998.The conversion rates between Euro and the currencies of the member states opting the Euro which came into effect since January first 1999 are as follows: 1 Euro equaled 40.3399 Belgian francs; 1.95583 German marks; 166.386 Spanish pesetas; 6.55957 French francs; 0.787564 Irish pounds; 1936.27 Italian lire; 40.3399 Luxembourg francs; 2.20371 Dutch guilders; 13.7603 Austrian schillings; 200.482 Portuguese escudos; 5.94573 Finnish markkas.

The Euro is issued and administered by a European system of central banks which comprises of the European central bank and 11 national central banks which sets the monetary policy and can alone authorize the issuance of Euro notes. The Euro was initially transacted in the form of electronic currency. Euro notes and coins were put in circulation on January first 2002 and circulated along with the erstwhile national currencies. Euro exchange rate became the sole legal tender in the eleven countries on July first 2002.

Printed plastic trade show-HOW TO PROCURE THE PRINTED PLASTIC

Trade shows have always been the centre for all the traders and manufacturers who look to promote their goods in the market at large. To enter into the market and carve a niche for oneself, it is important that you exercise all effort in the advertising of your company and its products that you display. From the minute you set forth with your goods to be set up at the Trade Centre exhibition to the time you pack and get back to your office, it is an arduous and exciting adventure. The objective however is to see that potential clients are satisfied with the interaction and exhibition and enough willing to want to begin business with your company.

 Therefore it is important that your first impression at the trade exhibition is goes the best! The current trend of the visionary Internet solves all the problems you could ever have when setting up your trade booth. With the many options that are provided by the companies who offer the best accessories over the Internet, with affordable prices and variety of items for the trade booth, including the foldable trade booth, the sky is the limit!

Since the objective is to leave a lasting impression on the mind of the potential customer, it is important to relate to his physical vision. What the eyes see, the heart and mind remember. That is why when you set out on promoting your products at such a show, you need to make an impact on your customer. However leaving an impact when he or she visits a trade show is not all that important as the fact that he or she carries with him back from the show, a souvenir from you. It is this that constantly reminds the client and reinforces the impact enough to get him or her to call you for future business.

One such way to make this kind of lasting impact is the printed plastic trade show bags.

THE IMPORTANCE OF PRINTED PLASTIC BAG

This is good way of advertising and pushing ahead your company. The trade show bags will leave an impact that will last on your potential client. The various colors and designs that are now available over the net can help you select the best one for your purpose and that which speaks for your company. Delicate grey, rich blues, stark whites, sophisticated blacks, etc, are colors you can count on to deliver the promise of an exciting plastic bag effect on a customer.

THE COMPANY LOGO

Getting a logo printed on the plastic bag is also a neat way of engineering the thoughts of a potential client. He needs to remember your company and the details so that you easily reachable. Getting your logo imprinted on your bag along with the company details such as the phone, street address, etc will make your client sit up and take notice. It is a way of saying that you are persistent and qualitative. This will draw interest from the public when your customer trots around sporting your trade show printed plastic bag. What a great way to advertise. You never know who may be the next potential customer and the bag may be the one to link you two together.

HOW TO PROCURE THE PRINTED PLASTIC

It has been made simple and easy to procure these printed plastic accessories through the Internet. There are scores of the trade show manufacturers on the net just waiting for you to sample their displays and pick your own design of printed plastic. The Logos that you order are made quickly and easily and can also be shipped out just as soon as possible. These promotional accessories are way too important to neglect. So get onto the net and pick your own design in a great color and affordable price. An attractive Logo will also speak volumes for your products and your company.

KINDS OF PRINTED PLASTIC

There are many kinds of printed plastic that is available over the net to suit your company?s conventional needs. Some of them are bags with a patch handle; bags with drawstring, the simple effective carrier handle bag, the gentle loop bag and the normal shopping bags.

THE ADVANTAGES OF SUCH PRINTED PLASTIC

There are many advantages to customizing your own printed plastic and some of them are as follows:

(1) Your printed plastic is bound to attract attention at the trade show

(2) They are the best way to advertise your company and products

(3) In general, the printed plastic accessory is a fetching product

(4) They harbor a professional look to potential customers

(5) They are economical to purchase and show creativity too

(6) These printed plastic accessories can be recycled again

(7) They are great way to break the ice and establish a friendly atmosphere.

(8) These printed plastic enhances the image of your company too!

THE DON'TS FOR PRINTED PLASTIC

When choosing printed plastic for your trade show venue, keep the following in mind:

(1) The printed plastic of the t-shirt variety should be avoided as they tend to crowd up the bag and cannot advertise your logo efficiently.

(2) See that the prints are large so as to be readable from far away.

(3)If it is possible, see that the print appears on either side of the bags

(4) Get a bag that is large enough to accommodate even your rival?s stuff into your bag and the customer notes this point. Your bag has to be seen at all costs.

(5) See that your printed plastic accessory is sturdy to be able to carry a minimum of ten pounds. A torn bag will be trashed soon enough.

THE COLORS, THE FONTS, AND ALL ELSE?

Pick from the variety of colors offered that would speak a traditional and conservative message. The light shades are great for advertising and at the same time are promotional because of the visibility. The colors usually come in shades of white (clear, glazed) and even darker shades of yellow, black, navy blue, magenta and so on. You may also have the choice of adding the gold or silver lining.

The Fonts are also your choice. There are mostly seven colors to choose from regarding the process printing and for line printing, you can have a choice of four colors.

Add the value of your imagination and you have printed plastic accessory that represent your company! Make sure that your company?s name and logo is to be remembered by the customer.

SOME QUESTIONS REGARDING PRINTED PLASTIC

(01) The style that you need your printed plastic to be

(02) The length and width of the printed plastic

(03)How thick do you want the accessory to be?

(04)The high density and the low density

(05)The amount of the printed plastic that you will need

(06)The amount of print colors

(07)The color of the film

(08)Whether it is to be process print or line print

(09)One or both sides to be printed

(10)The percentage of print coverage

(11)The artwork for the camera

(12)The date of delivery

With the customer service to help you choose your correct bag and the printed plastic information over the net, one can see how trade show business has progressed and how important it is to get noticed. So if you are planning your company?s participation in a coming trade show event, just peruse the sites and pick up your suitable trade show printed plastic. Remember, there is one of the best and consumer-friendly ways of advertising your product and isn?t it what you are here to accomplish? Great business and satisfied customers!

Futures trading systems-HOW TO CHOOSE A GOOD FUTURE TRADING SYSTEM

Everything is about the future. From the time you are born till that time to move on, it is about the Future. Future has become todays goal and every dream we dream is about our Future. With this in our forethought, it is natural for man to come up with solutions that accommodate our future in our present. It means that there are instruments or vehicles that promote our security in the future by our investments now. Trading has been the oldest business the world remembers and hence the development in this industry has become tremendous. Not only it the trading industry booming, it is reaching everyone literally everyone at their home, office or workplace. This is because the Internet, the visionary media is now contactable by just about anyone big or small. There are many kinds of Trading and Futures is becoming one of the most feasible trading one can opt to do.

 Since the Internet has all it takes to perform a trading while at home or from your office, it is no wonder people are turning to trading as a means of hitting the jackpot. In this field you do hit the Jackpot if you play it by experience and expertise and be observant. With the Internet, all it requires is for you to sit at your computer and pay attention to the market trends. When the time is right, you strike and make it big. Of course the risks are many can range from the loss of a few hundred dollars to millions of dollars. People hence have hesitated because of this risk factor in trading. However, thanks again to the Internet, the software developers in the trading industry have come up with ingenious ideas to help the traders lessen their risk and gain as much as they can out of trading. Such systems are now invaluable and they are constantly available at your fingertips via the internet.

A liTTLE ABOUT FUTURES TRADING

 In this kind of trading, it is facile to sell as it to purchase. If you choose correctly, you can profit even when the pricing rises or falls. So in all kinds of weather that torment the earth or put the commodities to peril, there is always scope for gain with regard to commodities futures trading. Advantages from taxes come from gaining your money from commodities future trading. Despite the real holding duration, commodity gains are routinely taxed. The commodities traders shall gain when tax rates on capital profits are lessened in the future.

WHAT IS A FUTURES TRADING SYSTEM

 A trading system is an important part of a sensible trader. Expecting to make ever trade successful is idealistic and leads to disillusion when using a trading system. Yet to make a number of trades successfully then the system is just what you will need. It is the instrument that helps you turn the tide in your favor and the system does this by using an already understood and applied method of trading.

HOW FUTURES TRADING SYSTEMS CAN ASSIST

 Everyone wants to become a master at the art of trading. Futures trading are trades that have caught many eyes. However in order to gain from this trading industry, you need to be one step ahead of your competitive trader. To make that right trade at the right time and to reap the benefits in the future, these futures trading systems is a wise way of learning the art of futures trading.

WHAT YOU CAN DO WITH THESE SYSTEMS

 With the aid of a futures trading systems software in your hands or installed on your computer, you can do the following:

 (1)Recheck the system or back track it to make an appraisal of the performance of this system when dealing with a wide range of the different market conditions.

(2) Use duplicate money or paper money with the system to understand how it works before you apply it for a trade that requires your real money along with the risk.

 (3)You will find that this system is an objective way of trading and allowing you signals on when to capitalize on your trade without being biased emotionally.

WHY PROFESSIONALS USE THESE SYSTEMS

 Almost all professionals in the futures trading industry use these systems simply because they perform accurately. The money managers, the Advisors of Commodity trading, etc is into using such systems to help make the most profit out of the futures trades.

THE RISK WITH FUTURES TRADING

All trading methods have the risk factor attached to them but the futures trading carry a higher degree than the other trading options. The contracts pertaining to the futures trading tend to be very highly leveraged. The sum of the margin that is first applied is little in comparison to the worth attached to a futures contract. Therefore even a small change in the market can affect the funds that you have invested or will have to invest. However this can become your profit or loss. If the market is in opposition to your current position, you may then need to pay a large sum of money within a short period of time in order to keep your position in the market. If you are unable to do so, then your position will be dissolved where you lose and you become responsible for any deficit that may arise due to this loss.

SOME KINDS OF FUTURES TRADING SYSTEMS

There are many software systems that are developed to help you in your futures trading systems. Some of them are:

(1) The trading system of Automated Foreign Exchange where this system is not only profitable but has a proven track record when it comes to long-term trades. There is endless support for all technical matters while you learn how to make use of this system and there are upgrades that are given free when small improvements have been made to the system. These upgrades are intimated to you by the systems seller via the Internet.

(2)There is also the system that deals with advanced trading methods and is applicable for futures trading and trading on a long term basis. This system looks to improving your trade skills and suggestions are given and taken to better the system and the user in the future.

(3) There are many more such systems available in the market related to trading and it is up to you to choose that system which is suitable for you. You can get the advice from a systems trading advisor on such matters.

HOW TO CHOOSE A GOOD FUTURE TRADING SYSTEM

Timing is the key factor to making a trade. But it is not as easy as you think. The market can rise in a second or deflate just as easily. The risk factor is very prevalent in a trade. To be a good trader you need to have enough capital, a good trading plan, view things objectively, maintain a view that is long-standing, overcome the greed, fear and hope urges and be ready to trade even when things look in your favor. That is why it is essential to have a trading system.

Therefore you are advised the following when selecting a trading system:

(1) Making the right choice of market to execute your trade

(2) Making the right choice of data price that helps in noise reduction

(3) That an important trend be found, it is wise to make a choice for a stable indicator for a long-term basis (4) Using a normal filter that updates you with the important trend in the market

(5) The use of more algorithms that filter which helps in improving the trade that is active.

(6) Adding algorithms that are genetic in nature to help you sell your trade when it has reached its peak or to buy your trade when it is nearly rock bottom in price

(7) Applying certain regulations that minimize draw downs that helps in lessening the number of trades that stand to lose. This allows for risk at a minimal level. With the future in mind, these trading systems can help you get there now. So if you are interested in becoming your own expert futures trader, please look into the futures trading systems as legal advisor who will get you out of tricky situations and pay the damages of tension and worry in rich dividends.

Exchange rate-Fixed and Floating Exchange Rates

1.Finance: Exchange rate:

Prior to the institution of International Monetary Fund, the international monetary system was following the fixed change rate system based on the international gold standard. Under the gold standard the value of the currency was kept equal to the value of a fixed weight of gold. Over the years the gold standard took three forms (a) gold currency standard, (b) gold bullion standard; and (c) gold exchange standard.

2. Exchange Rate System under IMF:

The International Monetary Fund was instituted with a avowed objective of facilitating smooth running of the international trade and betterment of all nations of the world. It was thought that a system of fixed exchange rates would be necessary for the smooth functioning of international finance. The original scheme of the International Monetary Fund therefore provided that:

a) Each member country should declare the external value of its currency in terms of gold and a currency pegged to gold. Most countries declared values of their currencies in terms of gold and US dollar. This was known as the par value of the currency.

b) The value of US dollar was fixed at USD 35 per ounce of fine gold. The USA committed itself to convert dollars into gold at the above official price.

c) Following the above, the monetary reserves of member countries came to consist of gold and US dollars. Thus US dollar got the position of a reserve asset.

d) Each country agreed to maintain the market value of its currency within a margin of 1% of the par value. Where the variation in the market is more than the permitted level, the country should take steps to devalue the currency to correct the position.

e) Members were free to devalue their currencies. But, if the devaluation exceeded 10% of the par value, approval of the International Monetary Fund should be obtained. The International Monetary Fund might approve it or advise a lower rate. However, it had no power to reject the proposal.

f) The International Monetary Fund granted short term financial assistance to its members to tide over their temporary balance of payments problems. For chronic problems the members were expected to use permanent solutions like devaluation.

3. Foreign trade and Foreign exchange:

International trade refers to trade between the residents of two different countries. Each country functions as a sovereign State with its own set of regulations and currency. The difference in the nationality of the exporter and the importer presents certain peculiar problems in the conduct of international trade and settlement of the transactions arising there from. Important among such problems are:
a) Different countries have different monetary units;
b) Restrictions imposed by countries on import and export of goods;
c) Restrictions imposed by nations on payment from and into their countries; and
d) Differences in legal practices in different countries.

The existence of national monetary units poses a problem in the settlement of International transactions.

The exporter would like to get the payment in the currency of his country. For instance, if American export machinery to Indian imports, the former would like to get the payment in US dollars. Payment in Indian rupees will not serve their purpose because Indian rupee cannot be used as currency in the United States. On the other hand, the importers in India have their savings and borrowings in India in rupees. Thus the exporter requires payment in the currency of the exporters country whereas the importer can pay only in the currency of the importers country. A need therefore arose for conversion of the currency of the importers country into that of the exporters country. Foreign exchange rates is the mechanism by which the currency of one country gets converted into the currency of another country.

The conversion of currencies is done by banks who deal in foreign exchange. These banks maintain stocks of foreign currencies in the form of balances with banks abroad. For instance, Indian Bank may maintain an account with Bank of America, New York, in which dollar balances are held.

4. Exchange rate:

The rate at which one currency is converted into another currency is the rate of exchange between the currencies concerned. If Indian Bank exchanged US dollars for Indian rupees at Rs.45 a dollar, the exchange rate between rupee and dollar can be expressed as USD 1 = Rs.45.

The rate of exchange for a currency is known from the quotation in the foreign exchange market. The banks operating at a financial center and dealing in foreign exchange, constitute the foreign exchange market. As in any commodity or stock market, the rates in the foreign exchange market are determined by the interaction of the forces of demand for and supply of the commodity dealt in, namely, foreign exchange. Since the demand and supply are affected by a number of factors, both fundamental and transitory, the rates keep on changing frequently and violently too.

5. Balance of payments:

Balance of payment is a record of the value of all transactions between residents of a country with outsiders. It constitutes the result of demand for and supply of foreign exchange for various purposes. Since the rate of exchange between currencies is determined by the forces of demand and supply, balance of payments is the fundamental factor in determining the exchange rates. A change in the balance of payments of a country will affect the exchange rate of its currency.

Definition: Balance of payments is the systematic summary of the economic transactions of the residents of a country with the rest of the world during a specified time period, normally a year. The following features of the balance of payments are implicit in the above definition:

1) Economic Transactions: The statement is a summary of economic transactions of the country with the outsiders. An economic transaction arises when values are exchanged or moved between nations.

2) Residents with Non-residents: Generally transactions which take place between the residents of the country with residents of other countries are recorded in the balance of payments.

3) A Flow Statement: A balance of payments is compilation of the flow of economic transactions of the country during the period and not a statement of the position as on a date. It is more like a funds flow of a company, rather than a balance sheet.

4) Periodicity: Normally balance of payment statement is prepared covering a period of one year. However depending upon the requirement of the government the statement may be prepared for shorter periods also such as six months, a quarter or even a month.

6. Fixed and Floating Exchange Rates:

a) Fixed Exchange Rates: Fixed exchange rates refer to the system under the gold standard where the rate of exchange tends to stabilize around the mint par value. Any large variation of the rate of exchange from the mint par value would entail flow of gold into or from the country. This would have the effect or bringing the exchange rate back to the mint par value.

b) Floating/Flexible Exchange Rates: Free or floating rates refer to the system where the exchange rates are determined by the conditions of demand for and supply of foreign exchange in the market. The rates are free to fluctuate according to the changes in demand and supply forces with no restrictions on buying and selling of foreign currencies in the exchange market.

Flexible exchange rates refer to the system where the exchange rates is fixed, but is subject to frequent adjustments depending upon the market conditions. Thus, it is not a free or floating rate with cent per cent flexibility, but is any system providing for adjustments as and when required.

Annuity leads-Basics of Annuities

An annuity is an investment vehicle, whereby, after a person makes payments for a given number of years, they receive income for a specific period or for life . Annuities can be purchased either in a lump sum, also known as single-premium annuity insurance or over several monthly payment schedules, along with an initial purchase payment. Insurance companies offer various kinds of retirement annuity plans to choose from and each is tailor made according to each individuals payment ability and their preferences and needs .

They are immediate annuity or deferred annuity and fixed annuity or variable annuity .An immediate annuity allows the annuity holder to receive payments immediately upon investing and one can go for a fixed payment that never varies or for variable annuities, which depends on market performance . Deferred annuities allow the investor to receive payments at a later date . Fixed annuities offer a guaranteed rate of return and are normally invested in government bonds and securities . A variable annuity does not have a pre-determined rate of return. Always do remember that the value of the variable annuity insurance will depend grossly on the performance of the underlying investments and you bear the market risk in such cases . Annuity Insurance provides a valuable alternative for retirees in particular, in planning for a more secured and financially stable future . It is indeed like a savings scheme for retirees and can protect their assets during their retirement years .

One can withdraw on installment basis or lump sum and they can even have an option of taking a portion of their savings when the situation demands . Annuity leads Investing in annuities is a good choice and to buy an annuity, one has to contact an insurance agent . To simply put, a Lead is nothing but information about a prospective customer, who has enquired about a particular product like annuity. It can also be said as, that leads contain name and contact information, about prospects that enables the agents to supply prospects with annuity quote. There are many sources of Annuity leads like Yellow Pages, Internet, phone number lists, etc. Annuity leads are in very high demand these days and they are also difficult to generate. Customers who are actively seeking information about annuity products are the best leads. Insurance agents and brokers, who are trained and properly licensed, can enter into the business of annuity selling. It is an insurance agency, which actually issues the annuity contract; any bank or agent with a valid license backed by insurance agencies can sell annuities. An insurance agent knows very well how important it is to generate good number of leads regularly and it can be done in a different ways. Annuity Lead Services An Annuity Lead service company receives a continuous flow of interested customers, who actively seek information about annuities and annuity quotes.

Such customers specifically request about annuity plans and you can contact them to meet your sales expectations. Such lead service companies are out there to help annuity agents in their selling of annuity products and thereby, you get increased sales. They supply leads on a regular basis which in turn will be a great service to your business and thus help you to achieve your goals. We know that an annuity lead contains information about a prospective buyers details, which is available with the lead service company. These companies spend lots of money on generating such leads, using either traditional marketing methods or through Internet. They indeed, get good volume of leads per month and such leads are in high demand. Once such information is obtained and the interest of the prospect is also confirmed, such lead will be matched with the annuity agents profile that is on the network of the lead service company. Such prospects receive quotes from the registered agents, who are involved in the annuity business in that state. When an agent is forwarded such leads, they contact them to turn such leads into sales. These days, Annuity leads services are very popular and they have a solid presence online too.

One just has to make sure that you, as an agent sign up with an annuity lead company, which is reputed and charge for only good qualified leads. Annuity Lead Generation Generation of Annuity leads is now not as tough as it was once upon a time. In earlier days, an agent has to call many people over phone all day long to generate leads. Though, even now we do use this option, we have other ways also like subscribing to a lead service company, which will pass on leads generated by them to your agency or through online. It is quite challenging for agents to generate annuity leads on their own and they tend to make many mistakes in such cases. One can generate good quality leads on their own, either online or offline by having strong basics of annuities and advertising their services. Before one tries to generate leads, they have to do a thorough research about their prospects and various techniques to reach them successfully. First thing to do is to fix your target market where you want to concentrate on selling your annuity products. If you are able to offer free information about annuities and its benefits, then it is sure to generate interest among your prospects.

It should be remembered that such valuable free information educates your prospects and this may, in turn will help you in generating more qualified Annuity leads. You can also generate Annuity leads successfully through the newspaper, by placing your advertisement in a popular local magazine or newsletter. Direct advertising of such Annuity leads in a catchy and attractive manner, will get your audience attention and thus helps in generating Annuity leads. Internet leads Information about any prospective consumer, who requests about annuities from online lead generation companies are known as Internet leads. They are indeed; a safe and cost effective way to generate leads, since the time required is also less and the maintenance fees too being not so high. Since Internet users are considered to be more educated than others, and they also tend to have higher income and credit, they can turn out to be better quality leads. Now, let us see how does Internet lead work.

These days, the latest trend of prospects is that they research information on important decisions like annuity buying on websites through search engines. Good number of such websites is listed highly on top search engines like yahoo or google and many others. Once the prospects find the required annuity product website, they fill out the quote form and they expect to be contacted by a professional with more information about their requests, and are usually shown the contact information of the receiver of the lead. Then their information is gathered and emailed immediately to you or your agency, which are registered with such lead companies. It usually contains adequate information for you to provide with an appropriate quote and after that, you can contact the prospects through call, email or even fax with your quote. As you can see, such Internet leads are in fact, quick and very easy and a good number of them, turn in to a sale. With some Internet leads, you only have to pay for what leads you get, which are generally guaranteed and such leads are consumer driven, as it is the consumer who requests information. Annuity leads: An Analysis Every agent will certainly agree that leads are the lifelines of their businesses, because without a prospect there cannot be a sale. When one gets an annuity lead, they can look forward towards other sales opportunities also like health or life insurance, since the financial value of such annuity prospects are considered to be more superior to those who opt for other products.

So, Annuity leads are sometimes priced higher, which accounts for the price difference in regard to other lead types. To successfully generate Annuity leads on your own, one has to do proper research on their target audience and approach them systematically with your product benefits and also do follow-up regularly. An insurance agent has to be both knowledgeable and fully informed of the various features and benefits of the annuity products and thoroughly explain about it with patience to his audience. Though, it is a well-known fact that buying annuity leads from Internet or other lead companies can prove to be a risky venture, majority of agents rely on lead generation companies to provide them with leads. There exists dozens of companies that sell Annuity leads and one has to be quite careful in choosing good lead service company, which will supply you consistently with good qualified prospects.

Commodity trading systems- WHAT ARE COMMODITY TRADING SYSTEMS

In a world where business still stands to gain your happiness, people have now turned to business to make their revenues. One of the best businesses that are acclaimed is the business of trading. Trading commodities have been the pivotal wheel from the early days till date. With the growing internet media, people are becoming more certain that their businesses will turn out successfully, unlike in the past, where chance played with the most percentage. Today there are trading systems offered that help take stock of what they need to invest in and then track those investments through successfully. Investing in various commodities that are commonly needed throughout the world is a safe bet in today's markets all over the world. However, safe or not, one needs a kind of guarantee of their commodity trading business and therefore the introduction of the commodity trading systems.

 WHAT ARE COMMODITY TRADING SYSTEMS

These systems are software programs that are computerized and further designed to help in assessing the myriad faces of the futures of commodity, markets of foreign exchange, other options and to inform precise exit and entry points in the business. Basically these systems work to keep your money safe for the future. They also work as your consultants or advisors as each move is needed to be made. There are many commodity trading systems that offer and advise you on the investments on commodity trading systems.

WHAT ARE THE BENEFITS OF COMMODITY TRADING SYSTEMS

 Despite the fact that you are new or experienced as an investor into commodity trading, all needed information is given to you at your doorstep. Their main reason is to aid you with the necessary paraphernalia to succeed in your future goals. These systems also instruct you and even make reports of the outcome to you. You are benefited by being given the trends of the prices that happen in the markets globally such as the gold market, the crude oil market, rates of interest and indexed-stocks.

Knowing that risks are taken and the loss can be huge, you need to ponder if this kind of trading is apt for you with regard to your current financial status. Chances are that you are likely to meet with total loss with regard to the early margin of funds deposited and any added funds that has been later deposited by you with the help of the broker. This is where a good trading system can warn afore of risks that shows up in future. Good trading systems will give you clear, accurate and simple signals with regard to any trade. It is so simple that you will have to purchase when there appears a large circle in blue or sell when you see a red circle that is also large. Besides there are powerfully effected stops usually indicated by a small circle in blue that keeps stepping upward to show how successful your trades are and how they safeguard your profit! As much as no trading system can assure that money can be made and there is no sign of future outcome, a good trading system allows for many kinds of styles such as trading-day, training in position or swing, position or portfolio trading and an automatic execution order. Good Trading systems benefit one by looking for profits by trading the markets around the world. You can take sensible decisions based on the most unadulterated market information such as the movement of price. The systems operate through their purchasing and selling sings that are calculated by a kind of algorithm that is founded only on time that is real or the price information at the end of the day. This gives you on-time, precise signs that are objective for every kind of trade. The systems are usually accurate in their predictions. A scan that is automatically performed does record all of your portfolios and stocks. They also record the movement in prices, the new trends and the signs of the future, all at one glance. You are shown the stock graph along with the signals that indicate when to buy and when to sell along with the encouragement and the need to withdraw. This helps you remain confident when you are in the driving seat because you are given ample indications to sell when the same is recommended. Most commodity trading systems offer a free thirty-day trial to help you decide whether to use that system or not.

GETTING FAMIliAR WITH THE COMMODITY TRADING SYSTEMS

 There are three simple steps if you want to be successfully assisted by the trading systems. Identifying your goals: You do need to understand just what kind of investment you would be interested to implement. It has to be decided whether it is for a long duration of time or a short period that involves day-trading or a mixture of the two. You may enter this into the systems core center and wait for the options to be unraveled before your eyes. Planning: The powerful portfolio helps creates a strong portfolio for you. Here you are allowed to compare one trading system with another to find out which suits you best. Get started: Here the systems heads offers to make their experience do the work for you. The assistant then administers and manages the trading system on your behalf. This way, you are kept updated and your progress can be seen on a daily basis.

SELECT A COMMODITY TRADING SYSTEM WITH CARE

 It is time to careful when you set yourself into this trading zone without the necessary training. So get yourself a system that helps with your portfolios and your plans and offers you a training period that will boost your morale and encourage wider experience. Look out for mismanaged money strategies when trading, as it is the most important feature to bear in mind. You are here to increase your money not decrease it. Select a trading system that offers you the above and more to make life easier and more secure. The rate that is commended as winning but also be viewed warily. Profiting by one dollar when the normal trade of losing US$ One Hundred only is pointless! A good trading system gives you a thorough feedback of the reports that tested to show you the rate that is appended to winning. Winning in a small way and losing in a big way is a very normal happening in trading. Therefore well-developed trading system software with a number of strategies that have proven the rule may be selected to look after the trades that belong to you. The effective stoppages that the system allows you to stay in the winning market as long as this period goes will be a sure-fire gain. By cutting losses short, most people realize that they lose heavily. Here again, the effective stoppages looks after your first and current risks taken and thereby curtail future big losses. Watch out for impulses in the market that cause you to trade. But with a good trading system, you cant go wrong if you follow the instructions. Work out a plan before entering the trading area. With the systems software you can be sure to do away with guessing and be instructed on the features of managing funds.

Be careful not to pick at tops or at bottoms when a trend is on-going. The software minimizes such risks of loss and maximizes the gain instead. Watch out for setting and directions that are complicated because many software systems have been designed by people in the trading business. A good commodity trading systems informs you in down-to-earth terms and concentrated signals. Software that offers new ideas that are like a future eon ahead of the present is simply not the system you use. Stay with the old and the tested software trading programs. Even the programs that have been designed specially are not to be sought or purchased. Software systems that offer extra materials etc where you are asked to build a commodity by yourself because most of you need learn only how to operate a car not to manufacture one. The good trading system allows you to change your settings in order to match the styles of your trading. Other software systems that come with lights or bars that are colored cannot offer you the capability of back-testing. This back-testing is important is that it is the one and only way to confirm the algorithm signal. With such a good signal, you can take the chance and put your precious money to a good cause. Above all, the software systems that cannot offer you stop values are useless because effective stoppages are needed in a time of reality. With such effective stops, it has been proved that successful outcomes on back-testing have been done successfully. With these good commodity trading systems in the market, there is no need to think twice. Just pay close attention to the system you select and then follow their signals and those of your heart.

Futures trading courses-THE IMPORTANCE OF TRADING COURSE

Trading has achieved tremendous popularity over the net. Everyone is gung-ho about the new methods of trading which opens opportunities to all kinds of people who look to trade as a profession or even as a part-time dabbling in stakes to see if one can make it rich . The Internet has brought the trading market to its zenith. Now trading has become one of the most profitable methods of making good money. Now the Internet promotes access to one and all regarding the different kinds of trades that exist and invite people from all over to come and experience this thrilling profession.

Trade Brokers never had it better. With the net, they can get in touch with all prospective tradesmen who look for new avenues via trade in the professional line. The brokers who had hitherto relied on advertisements to draw customers can now connect immediately and online . The lucrative business of trade is shared with a prospective customer and from there on there is simply no turning back . The adverts that scream out across to you on the net speak of undying enthusiasm and strong belief in the success of trading. Brokers and Advisors extend their services and share their experiences so that you, the upcoming trader, will learn and benefit from proven past track records . There are many kinds of trading in the markets and hence it will be feasible to know which kind will attract a potential customer . Hence, specifying the various trade markets and the courses that you will need to take to become your own expert trader is what the online trading companies offer . They offer courses. One such course that is offered is the Futures Trading course .

THE SNAZZY PAST OF FUTURES TRADING

One witty and sarcastic trader early in the year nineteen hundred and ninety seven entered into the Commodity interaction forum and became popular. This man had the most amazing knack of calling the shots in the markets prior even if it was only to a penny and this winning trip continued even in 1998. The others begin to realize this knack and soon the lesson of favoring and opposing was being learned as a proper instrument to technically analyze the markets. Thus grew these lessons around the world of futures trading . Although controversy prevented this talented trader from continuing with the commodity futures business, this trader has opened a storehouse of knowledge for wannabe traders. His talent for writing also came to fore and thereon be born the need to educate the inexperienced traders in the line of futures trading . These courses now provided online make it easier for the inexperienced trader to access and learn for a nominal fee of course .

THE IMPORTANCE OF TRADING COURSE

Approaching the markets with no knowledge is definitely a foolhardy thing to do. You need to know the market trend and the stocks that you will be interacting with for your trading purposes . Futures are a new concept where the stocks are to be bought in the future. This will entail not only a thorough knowledge of the commodities but also speculate (and dangerously if I may so) on the futures trading outcome. If you are going to use your own finances in this trading market, then it is a must to learn the futures trading market before you embark on this risky venture . The element of risk is high in all the trading markets but higher in the futures market . Hence, the more you are equipped to handle the changes and trends in the markets, the better chances you have at succeeding.

The courses for futures trading will appeal to be conservative at first and then as you grow more confident, allow you to take more risks . There are demo accounts and trading platforms that will allow you to practice your trading before you actually embark on conducting your own trading .

THE TRADING COURSE ITSELF

Before embarking on the futures trading avenue, you may need to ask yourself a few questions. Let them be some of the following

Will you be in a position for AIM at the trading markets ?

Will you be seeking sensible broker advice?

Shall you feel more stable to decide on your own after you know that you can interact with expert trader?

THE CHARTS

One of the tools of the futures trading course is studying the charts. Once you get the hang after practice in learning how to read the market charts, then you are ready to move on. Here you will have to learn the symbols and codes that are in the market charts and be able to understand them in their context with the trading market. You will also be able to learn the support and resistance in newer ways than before. You will also be able to see the hidden formations and the patterns of the market trends.

THE TRADING PLATFORMS

The Trading platforms are where you learn to actually execute a futures trade. You are out in the market and need to make your moves and in this situation, the trading platforms will give you guidelines how you perform in the market based on the futures trading .

THE DEMO ACCOUNT

Another valuable tool for the futures trading course is the Demo Account that allows you to trade with play money for the futures trading and practice your skills and the guidelines provided within the course . Once you have practiced as much as you can and become familiar with the futures trading trends in the market, then you may use your surplus money and play conservatively in the initial stages of your trading experience .

THE ADVISOR / THE BROKER

Most important of all is to have one?s own broker and advisor who can interact with you and put you on the track to wise and successful trading most of the time . Remember that the element of risk never dissolves no matter how many courses you take to master the art of trading . The element of unpredictability is ever prevalent.

LEARNING TO EXECUTE A FUTURES TRADE

Well theoretical is one thing and practical is another. "> Hence all the courses you take needs to be applied practically for you to feel that the course was worth the fee you paid for when you first signed up to becoming a trader . Some of the questions you need to ask yourself and the course you plan to take are :

Will you like learning about the most severe factor that many people overlook when they are trading?

How can you navigate in the opposite direction of others ?

Achieving co-ordination of mind and intuition before you make that trade move .

Would you be able to perform a trade based on what appears before you instead of your thoughts on the subject or will you conjoin both?

Why are challenges faced by the many that learn this course using play money instead of the actual funds?

What are the easily understood methods that you will adopt to make your transformation into an experienced trader?

Are you already an experienced trader looking for new innovative ideas?

If so, what does the new trading course have to offer you to transport you to a higher level?

THE MANUALS

There are many manuals also on the futures trading course that is procurable through the Internet and is advertised with snippets of the content that will interest the inexperienced trader enough to want to purchase these books .

The manuals on charts, demo accounts, trading platforms, support and resistance tactics all pertaining to futures trading is very available with every futures trading course .

THE WARNINGS

The futures trading course will never fail to tell you that futures trading is a highly risky venture and that you should not base your future success on the past successes.

The disclaimers will ask that you be aware of the risks and accept the same if you are to enroll in a futures trading course online .

You may not trade with funds that you can?t afford to forfeit.

Likewise this trading course may not ensure a business deal of any kind where futures trading is bought or sold .

It also must be noted that these courses do not actually represent a real life trading experience and hence must take simulation for what it offers a more or less mini version of the original .

Thus the futures trading courses offers you much more over the Internet and with such backing coupled with supportive advice, you will be ready to enter this risky market and pull off a couple of successes. After Life is a risk you take everyday. Why not futures trading?