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Author page: Keith Tooley

forex trading chart

Tips for Successful Forex Trading

Forex trading is becoming a popular way of earning both a passive and active income. To become a successful forex trader, you should know some of the best trading techniques to maximize your profits and minimize your losses. Well, you may be required to use different strategies when trading on various platforms. However, you need to pick reliable and trustworthy platforms like the Binomo web trading platform, where you will trade without fear of being scammed or identity theft.

Here are some tips for success in forex trading:

Choose Your Broker and Trading Platform Wisely

choose your platform wiselyTo be a successful forex trader, you need to choose your broker wisely. It is highly advisable to take your time researching different brokers and their terms. Over time, fake brokers have also emerged in the market, making the forex market risky.
It would be best if you also got to learn how different platforms operate. Some platforms only accept traders from specific countries and regions. You should also choose a platform that has safe and secure deposit and withdrawal methods. You should also get to know the reviews about different platforms.

Practice Trading Regularly

practice tradingAs the saying goes, practice makes perfect. You should ensure that you practice how to trade often. Many trading platforms do have demo accounts to learn and explore new strategies before getting into your real account. This will enhance your confidence and enable you to note your strong and weak areas.


Recognize Your Success and Failure

recognize your success and failureTo be successful in forex trading, you need to be keen on your successes and failure. This will aid you in formulating all your strategies. You should analyze your weak points and aim to make them better. Monitoring your achievements will make you focus more on your strongholds. This is one of the essential tips you should put into consideration.

Understand Your Limits

In forex, it is either you win or lose. You should have a limit on how much you want to risk while trading. It is never advisable to trade with an amount that you aren’t willing to lose. Some platforms allow you to set a leverage ratio in that you can’t exceed a specific amount in one trade.


Forex trading can be highly beneficial economically if done the right way. Always remember to take well-calculated risks and analyze the markets before trading. The rule of thumb is choosing your broker and trading platform wisely.…

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gold investment

Investing in Gold: How to Go About It

Today, investing in gold continues to be an excellent safe haven solution. The value of gold has grown considerably despite the positive period for the markets, and in the event of a collapse of the stock markets, the demand for safe-haven assets would continue to rise. Today you can buy gold in many variations, even if you are looking for small investments. A perfect example is gold coins. Various online platforms can guide you in choosing the best gold coins to buy. You can also make money with gold without owning a single gram. Here is how to go about it.

Buying Physical Gold

Buying physical gold means buying real precious metal in the form of coins, jewelry, and ingots. The gold bar is the form par excellence in which to store gold for investment. Banks and private individuals keep blocks of various denominations in vaults or safes. According to the regulated professional gold market, the standard weighs 12.4 kg and is called “Good Delivery” ingot.

gold tradingThe bars are sold and purchased in specially regulated gold markets and will have undergone “assaying,” a rigorous verification process. The bars will be finished by an official finisher according to specific guidelines. A serial number will be affixed to them. They will have a percentage of purity higher than 99% and accompanied by an official certification that proves their weight.

Financial Gold

It is possible to trade CFDs without holding physical gold. In practice, through online trading platforms on CFDs, you can buy gold in securities or financial derivative instruments and earn from the price movements of the commodity.

How to do it? It’s simple; you register in one of the secure online trading platforms reviewed online. Once you have registered and deposited a minimum budget, search for “Gold” in the raw materials section, and decide the purchase quantity.

Gold ETFs

gold barsThe ability to invest in gold ETF funds will allow you to diversify your investment portfolio without necessarily having to own physical gold. All you have to do is choose from the 33 ETFs that invest in gold. Take your time to research and identify exchange-traded funds that have a good share of the market.

The main advantage of buying gold ETFs is the fact that you always have liquidity available, which is not possible with physical gold, for obvious reasons. How about you join the gold trade to enjoy the profits.…

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Top Financial Tips You Should Know

Making resolutions to improve your finances is a good thing you can do at the start of the year. A lot of people find it easier to do so at the start of the new year. No matter where you start, the basics are just the same. These are top tips that can get you ahead financially.

Get Paid What You are Worth

personal financeAlthough it sounds basic, a lot of people struggle with this rule. Ensure you understand your job and its worth in the marketplace. Also, you conduct an evaluation of your skills, job tasks, productivity, and your contribution to the company. The truth is that being underpaid even a few thousand dollars per year can have a considerable effect on your working life. No matter the amount of money you are paid, you can never go ahead if you always spend more than what you earn. Remember that it is easier to spend less as compared to earning more. When you make some cost-cutting efforts in various areas, and this can result in huge savings. You will be surprised that you do not have to make huge sacrifices.

Stick to a Budget

If you want to sort out your finances, then budgeting should be one of your favorite things to do. It is quite difficult to know where your money is going if you do not have a budget. For instance, it will not be possible to set saving goals and spending if you cannot tell where your money is going. Therefore, you should make a budget even if you are making thousands of dollars monthly.

Pay Off Credit Card Debt

broke personThe truth is that credit card debt can be a huge obstacle to getting ahead financially. The little pieces of plastic are easy to use, and you can even forget that you are using real money when you swap them at a purchase point. Despite your resolve to pay your balances quickly, the truth is that you often do not and end up paying a lot of things that you would have paid in cash.

Contribute to a Retirement Plan

If the employer has a 401k plan and you are not making contributions to it, you are walking away from the best deals. You should ask the employer whether they have a retirement plan and sign up immediately. It is a good idea to increase your contribution.…

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appalling for a loan

Tips for Getting a Business Loan

Starting any business can be expensive, as the business owner has to invest money in equipment and services before he or she can approach customers. While some people use their funds for starting their business, in many cases they require money from other sources for their business.

In some cases, they may approach their relatives and friends for a loan for starting their business, while in other cases, the business owners may approach a bank or other lender for a business loan so that they have the necessary funds required for day to day operation of the business.

Loans for a New Business

Since there is a risk of a default for any loan, most lenders will ask for collateral while giving the business loan, especially if the business is new and does not have any relationship with the bank or lender.

The lender will also ask for details of the business, the business plan, revenues, profits to check if the business is able to repay the loan. As the risk of lending to business is higher compared to personal loans, as many businesses shut down, the interest rate for a business loan will usually higher compared to other loans, especially loans to salaried people.


Loans for Business Growth

Though some lenders will give loans to new businesses, a majority of the business loans for any lender are for established businesses. There are many businesses, where a large amount of money has to be invested for purchasing manufacturing equipment, raw materials or stock for trading.

The business owners may not have sufficient money in their bank account to purchase the asset or stock, so they will often approach their bank or another lender to get a suitable loan so that they can make the necessary purchases and pay for the expenses required to keep their business running or help it grow.

Loan Terms and Conditions

It is usually easier for a business owner to get a loan approved from the bank where he has an account, especially if the business is doing well. The terms and conditions for business loans, including interest rate, duration of the loan, repayment terms and other factors, will depend to some extent on how creditworthy the business is, whether the lender believes that the business will repay the loan on time.

If the business is unable to repay the loan, or there is a delay in the repayment of the loan, it can be very expensive for the lender, as they have to write off the loan amount, reducing the profit of the lender.

woman touching calculator

Calculating Loan Amount and Repayment

Before applying for a loan, the business should plan in detail how they intend to use the loan amount and also how they are planning to repay the loan amount within a specified period. As the interest rate charged for the loan will usually be higher than other loans, it is important to estimate the amount required as loan accurately, and a larger loan could adversely …

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pink piggy bank

College Ave Student Loans Review

If you want to learn more about student loans, then you have come to the right place. This article helps you learn more about College Ave Student Loans. You will know what they are and how you can use them to cover up to 100% of your school expenses.

What are College Ave Student Loans?

College Ave Student Loans is a private student loan lendMoneyer launched in 2014 to help college and university students finance their education. Just like other private loan lenders such as Discover Student Loans, Wells Fargo, and Iowa Student Loan, College Ave provides student loans products that are subject to student’s approval and adherence to stipulated guidelines. Loans from this lender are made available through various banks such as Liberty Bank, Firstrust Bank and more.

Educational loan options

The lender offers private student loans to undergraduate students, graduate students and the parents of students who wish to commence or advance in their studies. Below are some of the options available to applicants.

Undergraduate loans

For students who enroll for undergraduate studies, the variable rates of loans offered start at 2.20 percent and go up to 9.29 percent. For fixed rates, it ranges from 4.99 percent to 11.24 percent.

Graduate Loans

For students who enroll for graduate or postgraduate studies, their fixed rates of the loan offered start at 6.35 percent while variable rates start at 4.03 percent while.

Parent Loan

For parents of students who wish to commence studies at university or college, their fixed rates start at 6.54 percent while variable rates start at 4.03 percent.

Repayment options

College Ave offers a wide range of repayment options that borrowers can use to repay the loans offered such as flat payment, interest only, interest payments, deferred and full principal. The interest rate may change depending on the repayment plan selected. Payments that are made while one is in school attract much lower interest rates.

Repayment Period

The company offmoney, and a certificate ers flexible repayment term lengths such as 8-year term, 10-year term, 12-year term, and a 15-year term. Shorter term lengths mean that the loans offered attract much lower interest rates. However, loans provided to parents have repayment terms of between 5 and 12 years.

How to get approved Loans

To get approved for a private student loan from College Ave, you must fill out an online application and submit the required paperwork. The application takes at least 3 minutes to complete. Once your application is complete, you will get a credit decision instantly. Cosigners are also added to the online application directly.…

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a man sitting

5 Signs That the Financial Crisis Was Just Years In The Making

The world is facing economic challenges on multiple platforms in 2016. Many similar patterns preceded the 2008 financial crisis happening all over again history is indeed repeating itself, but most people are oblivious to what is going on. In case you do not believe that we are already in another global financial crisis, below are five signs that the financial crisis was just years in the making. These signs are similar to what happened before:


Stock market bubbleStock market bubble

In the years 2013 and 2014, the stock markets all over the world went back to an average of 18%, unlike a normal year when the stock market average is 30%. However, most companies that announced their results in 2014, the stock market had made an adverse impact on their annual earnings. This was as a result of lack of alternative opportunities and excess liquidity in the market. According to Robert Shiller, an economist at Yale University, the gap between corporate earnings and stock prices is larger that it was in the 2008 financial crisis, and if the markets are to return to the normal level, the stock market will have to fall by up to 30%.

Energy crisis

Scarcity of energy sources does not cause the current energy crisis, on the contrary, the growing gas supply in the US and the development of fracking techniques have turned the natural gas into a powerful geopolitical weapon. If the US allows gas exports, then there would be a significant fall in the prices of gas all over the world which would be great to companies, but it would lead to geopolitical problems in West Asia and Russia.

Real estate bubble

The conditions that had led to the 2005-2007 real estate bubble are back; increasing prices of real estate in the stock market, low interest rates, and growing demand.

According to decreased graphicdata that was released by the Bank for International Settlement in 2013, residential property prices increased by 60% in China, 80% in Brail and 15% in Canada. Similar to other bubbles, it will only affect the economy when it bursts but unlike in 2008, the Central Bank now has tools to prevent it.

Poverty crisis

The world has become more prosperous and richer in the recent decades. While the percentage of the living in abject poverty has reduced, the number of poor people has continued to rise due to income inequality.

Cash crisis

There is just too much money concentrated in financial and non-financial firms. As of 2013, Apple has over $150 billion and Citigroup has more than 487 billion dollars in cash. If the corporate sector attempts to unload the huge financial resources, it would certainly lead to hyperinflation hence a financial crisis.…

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man's hand on a paper and pen

Top Four Amazing Ways of A College Student To Building Good Credit

Ever thought that becoming financially independent play is a big and exciting part while growing up? Or perhaps you are a college student, and you are looking for Ways to make you qualify for loans with real interest rates? Want a new phone or even looking for a job opportunity and naturally can’t get one? Could it be also you are having plans of consolidating your student’s loans after your graduation? Why don’t you try building good credit!

But picking the best way to build a good credit can be quite challenging. Fortunately, I did all the footwork to bring you a rundown of top 4 ways to build a good credit for you!

Avoid several credit card at one timcardse

A good credit has several benefits. Thus, college students need to start building credit before they graduate. Hence applying more credit card will contribute to your credit score reducing significantly.One credit card is usually efficient in helping you to build a good credit since it will contribute to maintaining your credit score high.

Monitor Your Credit Report

Monitoring your credit report will greatly help you to solve and mistake in your credit report this will be possible by following the right criteria. Solving problems related to your credit card will help you to maintain a higher credit score.

Pay all your other bills on time

Having in mind that college students need to start building credit you should make sure that all your bill are cleared on time. Credit bureaus are developing a great alternative for credit scores which ranges from rental reports which are later included in credit reports. Paying bills such a library fee and traffic fine will help you to avoid ruining your credit report.

Find a good co-signer for your credit

When you armoney symbole looking for a co-signer, you should avoid a friend. Make sure that your credit cosigner has a good credit history. A good cosigner should have demonstrated a good a good relationship with you of credit means that both of you are responsible for timely payments of the credit. A good co-signer should help you to get a good credit score.

Now, with the above information count all your desires to build a good credit catered. If you are a college student and need to start making credit read on the above information on how to create good credit. Consider all the above top 4 ways to build a good credit for you and you will attain a good credit score!…

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pen and paper

Learn More About Capital One Checking Accounts

Capital One has served millions of their clients with credit facilities and other financial services for more than two decades now. They offer credit cards to their clients at different levels ranging from fair credit to those with platinum benefits. Here we shall learn more about Capital One Checking Accounts. Moreover, you will understand some of the benefits that come with it.

Capital one 360 tech toolschecklist

Capital one makes use of 360 technology tools that are probably one of the very best in the banking sector. These have helped them to maintain consistent banking system integrity. They have also assisted them to be paid per click and therefore waive subscription costs to their clients. This is because they receive compensation when people click on links to products from their partners.

Simplicity of operation

These accounts are simple to maintain. The bank does not give complex tiered options when one is opening an account. Their fee is low and constant worldwide. They also have online services for the checking account with an online deposit, savings and investment options. Their website has all sorts of banking tools and applications with a simple interface to help you enjoy their services.

Equipped and customized for clients interest

Capital One Checking Accounts are equipped for people who want to earn money when doing online transactions such as checking account balance and grow on their savings. One can also do a majority of their operations online using smartphone applications without necessary having to physically move around.

Flexible services

Capital onsmall note and a pene offers their client with the option of opening multiple accounts for one individual. One can use these accounts for a different purpose as they wish to range from savings to loan services. They also have over 38,000 free ATMs to help in withdrawal that help them network with their clients. Even with their limited branches they are well able to reach their clients worldwide. They are a digitally-oriented bank that is focused on giving their clients a unique experience in the banking sector.

No monthly charges and minimum balance

This is one of the factors that makes capital one a viable choice in the banking industry. Their enrolment is free; they do not charge their clients overdraft fees and only 11.5% annual rate interest on the overdraft.

If you have an interest in online banking, then take some time to learn more about Capital One Checking Accounts so as to make an informed choice. This account has unique packages that are more convenient than many options in the market today.…

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folded money

First American Equipment Finance

First American Equipment Finance (2)

First American Equipment Finance is a company in the finance industry that is fully owned by City National Bank.

This is one of the US largest banks that has over 30 billion in assets only.

It was named among the top one hundred commercial leasing finance companies.

Its headquarters is in Fairport, New York.

  • Mission and goals

The mission of this company is to make their business grow in a in a professional and a passionate way.

They have always strived to meet the needs of their clients and ensure they are fully satisfied.

They have done this by maintaining long term relationships with other existing banking institutions and customers.

  • Company size

The company has grown over the decades in wealth creation and number of employees.

They currently have over 175 employees who work in different departments.

The employees are dedicated professionals who take pride in bringing new ideas to the developing industry.

They still hire top students from different universities and offer them professional training and responsibilities. The company still has prospects and room for further growth.

  • History

This company was founded in 1994 as a subsidiary of city national bank.

Their idea was simply to finance the biggest businesses in the US that are credit worthy.

They have since built a legacy as an organized and performing institution that has given credit even to the most sophisticated borrowers.

This has made them to grow and become successful every year.

  • Services and client base

Their services have entailed financing businesses in various sectors such as healthcare, legal, insurance, media, food and beverage.

Many of their clients have acknowledged their services and termed them to beyond expectations. They have also strived to build a long lasting rapport with their clients.

This has made them to grow their client base over the years in all the 50 states.

  • Financial Stabilitycalculator on a paper

This company has enjoyed financial stability even in the most turbulent economic times.

Whether the economy is contracting or unstable First American’s have been consistent in their lending. This has been associated with well laid down strategies and transparency in their operation.

This is one of the factors that has helped build trust in their clients and created dependability.

First American Equipment Finance Company pioneered the use Rapid Turnaround Process a simplified paperwork package that is used for leasing, billing and asset management.

They have also taken part in many community development projects and won several awards including best for millennial and best in New York…

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folded money

The Secret to Success for Some Women in Finance

Finance is one of the most demanding careers today.

Success in the finance industry means that one has to invest a lot of time and hard work.

Sometimes one has to stay late in the office so as to beat tight deadlines. This is even more challenging for women in this industry who try to balance between family and work.

The secret to success for some women in finance has been associated to sharing responsibilities with their spouses.

Here are some of the tips for women who want to be successful in the finance industry.

The Secret to Success for Some Women in Finance (1)

  • Work smart

Every career has its own unique challenges.

However, we can always learn something from all the different professionals in different departments.

Always be a team player, learn to share responsibilities with your colleagues. Be kind to coworkers and those who are around you.

If you are collaborative in your career and share ideas freely with your colleagues then you increase the chances of being successful.

  • Be proactive and look out for opportunities

a lot of moneyBeing aggressive is not only meant for men.

Many women who have been successful have talked about how they sort for these opportunities and had to undergo competitive process so as to achieve.

Being hard working does not guarantee anyone a successful career.

One has to be on the lookout for any window of opportunity.

Favorable circumstances make the best recipe for success, this means that one has to eliminate any form of obstacle that is on the way of success.

  • There is no perfect time to make a move

There is never a perfect time to make a move in career advancement.

There will always be obstacles that will pull you down and undermine your efforts.

Success comes with the will power and determination to move forward. One has to be a risk taker and be willing to take the next step even when the circumstances are unfavorable.

For women, balancing family responsibilities and career can be challenging. However, this should not be the set back that holds you from the next move.

Always remember there is no perfect time for the next move.

  • Keep the right company

The right mindset is crucial for success.increased graphic

The secret to success for some women in finance has been associated with surrounding themselves with other women who have succeeded in different areas of their career.

Keeping such a company is good for motivation and encouragement.

Nobody has ever made it by themselves.

Everyone needs a mentor in order to grow.…

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