Five Money Rules Before You Move in Together

As if making the decision weren´t stress enough, you should still need to protect yourself in case it didn´t workout.

Rule # 1: Talk about Money

Communication is rule number 1 if you want a relationship to work. Make a date to talk about money and financial issues. You should share your financial habits, your spending and saving and you attitude towards money.

You need to discuss how much each one can pay in the house, such as rent, groceries, etc. If both of you bring home the same money, you should split 50-50, but this should be discuss every time, a major change occur, like a promotion, been out of work, going back to school etc.

Remember the key is to be honest and discuss everything before moving in together.

Rule # 2 keep your finances separate

You should keep your accounts separate. You should never join your investment account, and never apply for a credit together, one wrong move of your partner and you will be damage for a lifetime. Also if you break up you should only be left with a broken heart not with your account empty.

Rule # 3 Put your arragement in writing

This rule is not for couples who will live together also for roomates. This little piece of paper will help to keep your arragement from becoming a nightmare. Just remember when you write the things down you protect yourself.

Rule # 4 Keep major purchases separate and documented

You should keep track of all major purchases. The best way is to keep this purchases separate.

Rule # 5 Be smart about housing

You should never buy a house together unless you are sure your relationship will last. If you own a house and you will move in with your boyfriend or girlfriend, don´t sell your place is better to rent it, in case your relationship won´t last.

This rules seem cold when you are in love but remember sometimes relationships do not work out and you need to protect yourself, so you will not have any problems. When you finish a relationship you don´t even wnat to talk to your ex, so think before you do any major change in your life.

Robot Trading Systems

If you trade in Forex you should probably know that is difficult to make money in Forex, because is a risky and volatile market. That´s why robot trading systems were created, to help people who have no time to learn all about trading. This success depends on an accurate and timed analysis of the market and that is exactly what Forexmegatrion does.

Forexmegatrion is becoming very popular among traders because of his winning high rate (92%). Forexmegation calculates every single operation, to reduce making any mistake. Forexmegatrion has been created by 2 experience traders and has been tested and develop since 2000. The creators have want to develop a robot that really does not need any human intervention and that will work 24/5, so it will make money even when you are sleeping or making another activity, because they know how tough trading in Forex is.

They are some mistakes people do when they are working in Forex:

• Know nothing about the market.


• Risking too much.


• Not taking risks at all.


• Lack of knowledge and experience.


• Copying strategies.


• Not having a robot trading system or forex signals.

Forexmegatrion avoid making does mistakes because he is a robot, he does not mix feelings when he is trading, he just executed when he analyze the market. Some of the benefits are:

• Easy to use and install.


• No human intervention.


• Minimum risk.


• Works 24/5.


• Created by experience Forex traders.

If you are trading in Forex go to Forexmegatrion web page, and see for yourself the live results, and get your own conclusions. Until next time, bye!

Managing Debt and Credit

Before you Start

• Get your account statements from your credit cards and other debts.



• Review the interest rate you pay for each debt.



• Take a good look to your spending habits.



• Think about the ability to stop using credit on regular basis and what changes are you willing to do.

Managing Debt and Credit

Using credit today is confidence on yourself that you will be able to pay your debt in the future. Today debt and credit are part of our everyday life. Some people use credit card to spend more than they earn, having a big debt.

Installment Debt

Most people need help for buying a house or a new car. The money borrowed to purchase large-ticket items is called installment debt: The debtor pays a portion of the total at regular intervals over a specified period of time. At the end of that time period, the loan with interest is paid off. Installment debt is paid in a predetermined date, and it allow us to buy large items.

Revolving Credit

This credit is available to you at any time. Examples of revolving credit are credit cards like Visa, Mastercard, etc. While revolving credit is easy and is at your hand it could become an endless credit, where you pay only the minimun to cover the interest rate. The problem here is that you can spend more than you earn and you can get caught in a big debt.

Using Credit Wisely

To use credit intelligently, start by examining the terms of the card(s) you are currently using. Keeping track of your cards, their rates, and your current balances will help you to be aware of how you use credit cards. Try not to spend more than you earn, and pay all thay you consume at the end of the month.

Summary

• Remove high-interest-rate credit cards from your wallet or purse to reduce the temptation to use them unnecessarily.



• Read the fine print on all account statements to understand how your fees and payment amounts are calculated.



• Prepare to transfer balances from accounts with temporary low interest rates that are scheduled to rise soon.



• Use the savings from your debt reduction initiatives to set more money aside for important short- and long-term financial goals.

Results from Fx-Megaforex

Everyone knows that Forex signals are a great tool to increase your account, and make you earn a lot of pips. Here are results from a client who suscribe to fx-megaforex and double his account.

Summary:

Deposit/withdrawal: 50.00

Closed Trade P/L: 1040.15

Balance: 2110.15

Credit Facility: 0.00

Floating P/L: 0.00

Equity: 2110.15

Margin: 0.00

Free Margin: 2110.15

Gross Profit: 1292.09

Profit Factor: 5.13

Absolute Drawdown: 35.50

Total Trades: 44

Gross Loss: 251.94

Expected Payoff: 23.64

Maximal Drawdown: 65.87 (5.75%)

Short Positions (won%): 24 (62.50%)

Profit Trades (% of total): 28 (63.64%)

Largest profit trade: 413.37

Average profit trade: 46.15

Maximum consecutive wins ($): 5(105.83)

Maximal consecutive profit (count): 551.60 (3)

Average consecutive wins: 3

Total Net Profit: 1040.15

Relative Drawdown: 5.75% (65.87)

Long Position (won%): 20 (65.00%)

Loss trades (% of total): 16 (36.36%)

loss trade: -30.52

loss trade: -15.75

consecutive losses ($): 4(-65.87)

consecutive loss (count): -65.87(4)

consecutive losses: 2

Account: 102372xxx
Name: José
Date: June 23, 2009
Time: 22:46

You can see that he had lost sometimes, must of time he had win so his balance is positive. In Forex you will always lost but the important thing is that you always protect your positions and keep open new positions so at the end your balance will reflect big profits, no matter that you had lost sometimes.

If you need more information go to: http://www.fx-megaforex.com.

Opening a Forex Trading Account

Opening a forex trading account can be made in 3 easy steps:

1. Selecting an account type.


2. Registration.


3. Activating your account.

Before you open a real account you may start using a demo account. This will give you the feel of it, before you invest any money. Open 2 or 3 demo accounts so yo may try different brokers, and see for yourself which one is good for you.

Account Types

You have the option to open an account for yourself or for a company. Also, yo have the choice to open an standard account or a mini or micro account. If you have no experience you should open a mini account. Only people with lots of experience should open an standard account.

Always read the fine print

Some brokers have a “managed account” option in their applications. If you want the broker to trade your account for you, pick this, but obviously you’re here to learn how to trade the Forex for yourself. Besides, opening a managed account typically requires a pretty big minimum deposit - $25,000 or higher - and the broker also takes a portion of the profits.
Also, make sure you open a Forex spot account and not a “forwards” or “futures” account.

Registration

You will have to submit paper work to registrate an account, this vary from broker to broker. They are usually in PDF formats and you can print, sign and return.

Account Activation

Once you had send all the paperwork the broker will send you an email with the instructions on how to start operating your account. But stop before you start risking real money, I reccomend you to do your work and know what you are doing, so you will not freak out if you loose any money. Remember that you need always a helping hand when operating a Forex account, you may use Forex signals or a Robot trading system.

Take your time, study and start making money online.

Fx-Megaforex

Market Hours

I had tell you that the Forex market is a 24 hr. market. And now I will tell how this works and the best day to trade.

Market Hours

Tokyo Open 7:00 pm

Tokyo Close 4:00 am

London Open 3:00 am

London Close 12:00 pm

U.S. Open 8:00 am

U.S. Close 5:00 pm

You can see that in between each session there is a period of time where two sessions are open at the same time. From 3-4 a.m. EST, both the Tokyo and London markets are open, and from 8-12 p.m. EST, both the London and U.S. markets are open. Naturally, these are the busiest times during the market because there is more volume when two markets are open at the same time.

Usually the London session is where is more movement.

Which Days To Trade

Ok, so now we know that the London session is the busiest out of all the other sessions, but there are also certain days in the week where all the markets tend to show more movement. The best days to trade are: Tuesday and Wednesday. Sunday is the lowest day to trade, and that´s because not all the major markets are open yet.

When to trade if you want to loose money

If you are feeling like loosing money here are the best days to do it:

Fridays: This is a good day to trade if you want to loose all the money you did during the week, and that´s because Fridays are very unpredictable.

Sundays: This day is very slow, so you may start trading with negative pips.

Holidays: Banks are close so there is very little volume.

News Reports: No one knows how the market will be affect with the news, so if you don´t know what you are doing is better not to follow the news report.

Can´t trade during the busy market hours

If you can´t trade during the busy market hours, you can change to a different time zone, like London (kidding). That´s when you need a little help, you can invest in a robot trading system that will work for you when you are sleeping or working, go to http://www.forexmegatrion.com. Other way is to use forex signals that will help you trade just when the signals tell you to, go to: http://www.fx-megaforex.com.

Remember is up to you when and how you trade but be sure you get all the facts straight before you beging trading.

Reasons why People don´t became Millionaires

They are 5 reasons why people don´t make enough money. The reasons are:

1. Fear: The number 1 reason why people don´t make enough money, is the fear of loosing money. I had never met someone who likes to loose money. And in all my life I had never met a rich people who hadn´t lost money. The fear is real but the way we handle this feeling is what make the difference. Some people are so afraid to loose money that they prefer to stay poor than to take a risk to become rich.



2. Cynicism: Everyone has doubts. ¨I am not good enough.¨ ¨I am not intelligent.¨ Or our doubts stop us. You need to analyze what the situation is and take action.



3. Laziness: What is the cure for being lazy? The answer is a little bit of ambition.



4. Habits: Our life are a reflection of our habits more than our education. Our habits controls our conduct. So if you want to make more money change your bad habits.



5. Arrogance: When you know that you don´t know about something, start by educating yourself; look for an exoert o get a book about the theme. Remember the arrogance is sometimes use to hide our ignorance.

So start changing your bad habits and start as soon as possible, the more you wait the more difficult will be to change. And remember if you want to invest, start by educating yourself and get all the help you can get.

Go to: http://www.forexmegatrion.com/ and http://www.fx-megaforex.com/

Getting Money Online is Much Easier

Do you ever wonder if it is true that you can make money online? After many time of research I will tell you that yes is possible, and is not that hard also. But you need like in any job discipline, and work 3 to 4 hours daily. Why? Because you may have the best product of the world but if anyone know it no one will buy it.

Ways of making money

• Forex: You may work in Forex and reach your financial goals. Forex is a great market, because it allows people like you and me invest not a lot of money and still get benefit of the system. Is also great because you have tools that will help you increase your account faster. For example: Forexmegatrion, www.forexmegatrion.com, that is a robot trading system, that will work for you even when you are sleeping, because remember Forex is a 24/5 market. You may also use forex signals. The forex signals tell you which direction the market is going and you can just do that and earn a lor of money. They even tell you if you are risking your account, and give you and stop/loss. You may suscribe to them at www.fx-megaforex.com.
• Create an Ebook: Maybe you are very good in some area and you will really help a lot of people with your knowledge, write an ebook. When you write an ebook remember that what people is looking in Internet is information, if you give that you may start selling like crazy.
• Sell a product: Maybe you are great baking cakes, well let the world have a piece of it. Start selling your products on line. Remember in the Internet the sky is the limit. You may start selling locally or worldwide you choose.
• Sell in ebay: If you have something that don´t need try selling it on ebay.

Start thinking what will you like to do, and start doing some research you may be surprise how many tools you have to start earning money.

How to Get Out of Debt and Save

Even when you are living paycheck to paycheck, you may start to change the way you live, you may even have money to save and invest.

Bills and credit cards payments are eating up most of your income. You know you need to start saving extra cash for emergencies. You know is hard because you already have a lot of debts and the ones that will show up, but relax, there is a way you just need to know where to start. Whith a little bit of confidence in yourself and a lot of discipline you could change your financial situation in six months.

Paying Debt and Save

What should you do first? Paying debts or save. First you need to know what you owe and what are you spending.

Tracking Spending

The steps outlined in the box below will help you determine how much cash you have to pay off your debt.
Next, you'll want to keep track of your typical expenses for one month or so, to find out where your money is going. Also figure your unexpected expenses for a year's time -- auto and home repairs, gifts, vacations, etc. -- and divide that number by 12. You may want to use one of the personal finance software programs available to track your spending. Once you have a record of your spending, compare your monthly outlay to your monthly income. If you have a surplus, this is the amount you can apply each month to paying down debt and building savings. If you have a shortfall, you'll need to cut expenses.

HOW MUCH TO PAY OFF YOUR DEBT

Step #1: Create a personal balance sheet and list your debts in order of interest rate, from highest to lowest.

Step #2: Add up your liquid assets, including savings and investment accounts, if any.

Step #3: List any major purchases needed in the next year. Subtract this amount from your liquid assets. What remains is the amount you may have to pay your debts.

How To Build Save

A key to stablish good saving is to make it easier than spending. Here are some good tips:

• Set up 3 savings accounts: One for emergency cash; the other for unexpected bills and the last one for investments. And stick to it don´t use them for any other purpose.



• Whenever you been paid put only the money you really need into your checking account, because if put it all you will be most likely to spend it all.



• If you have extra money put it in the unexpected bills so when you have to change the tires of your car you will be most likely not to use your credit card to pay for that.



• Beging building your emergency account, by depositing a portion of your paycheck, like 10 or 15% every month.



• Put whatever is left in your investment account, all extra cash that you may receive, a birthday present, etc.
  

How to Reduce Debt

• Pay your highest interest credit card first. Avoid paying just the minimum, paying just a little bit more make a big difference.



• Consolidate your debt by transferring to a low rate credit card.



• Setup a realistic payment timetable and stick to it.

Being out of debt get time it not occur overnight, but you be debt free if you stick to a plan and reduce your spending. I hope soon enough you will be feeling pretty good about yourself and will start investing your money.

Go To: http://www.forexmegatrion.com/ or http://www.fx-megaforex.com/.

Watch the video

If you need help in Forex, watch this video you will get an extra help.

5 Reason to Start Your Own business in Recessions

Are you thinking about been your own boss? But you are afraid to do the first step? Don´t be, there is no better time to start a business that right now.

How to start?

1. Look for what you like to do. If you like to cook and you are very good in doing so, you can start your own catering business. My sister has always love to do cakes, and everyone tell her to start selling them. Now she is a mother of 3, and has start an online business selling cakes. She is making enough money to support herself and her 3 children, and has the opportunity to do it at home.
2. You set your own income. When you work for a company you don´t control your income, all you can do is requesting a raise, that can be denied. But when you work for your self, you became more creating on ways to find a new client and close a new deal to double your income.
3. Your start up costs are lower. When you start your business when a lot of people are closing, you may find a lot more niches that may be fullfill with your business. Also you may find a lot of great deals in advertising and products because they are great sales.
4. It´s easy to find partners. Because there are a lot of people who need extra income, you may find partners more easily. Finding partners when you start a business is great because you may share a lot more business ideas.
5. It´s gratifying: It provided you with a great sense of satisfaction.

There are a lot of options to start your own business you just need to look for it. Remember if you need extra income you have a lot of options to work in Internet. So don´t wait more and start today and remember you don´t have to do it alone, you will always find a helping hand!

Kids and Finances

Everyone that have a kid know how difficult is to teach children the value of money, but there are somthings we can do to do this:

1. Teach children the value of money: At school children learn math, aritmetics, etc., but they don´t teach them the value of money so it´s up to us to give them that knowledge. Is not easy but we can start as soon as they understand enough.


2. Earlier is better: They are many benefits on teaching the children earlier. In the short term they will learn about how to save money for the future, how to make smart purchases, and understand the true meaning of investment. In the long term they will learn to avoid accumulating debt, and they will be able to plan for financial security.


3. Where does money come from? When children are little the only thing they understand is that money came from the pockets of mom and dad. But when they notice you can´t afford buying everything they want they start asking questions. So instead of telling them that money doesn´t grow on tress, explain to them that you earn money working, and you only can spend the money you earn. So they will understand the value of working.

4. Children and Allowances: many parents think is better to paid your children for doing chores around the house so they will know that hard work means getting money. Other think that if you pay your children for doing chores you are teaching them to be irresponsable. Whatever your position is try to paid your children an amount of oney every time they do some extra chores like washing the car, or doing the garden.

5. Make saving Interesting: A very simple way to teach a lesson about saving is using a piggy box, a shoe box, a jar, etc. Teach them to save so they can be able to buy something they want.

6. Banking and Investment: When your children have save enough money take them to the bank and open an account. Teach them what banks do. When your children is old enough explain how he can get more money if he invest correctly in a business.

Maybe you think is to early to teach your chlidren the value of money, but the soon you start the better he will be in manage his money, and he will find all the good things of developing good haits from the start.

Remember if you are investing in Forex go to: http://www.forexmegatrion.com/ or http://www.fx-megaforex.com/. The market is a great way to understand how dinamic the econmy is.

How does Forexmegatrion work?

What is Robot Trading?

There's been a mini explosion lately with foreign currency trading lately. A revolution, so to speak, with the introduction of foreign currency robots, also known as EA's or Expert Advisors, or Forex robot trading systems all of which promise large profits! I had work in Forex for almost 5 years and I had tried a lot of products that claims you will get rich fast. What I learned so far is that there is no way anyone can get rich without working.

The Forex robot trading are great tools to work less and gain profits.

How does it works?

After trying different robots, I discover Forexmegatrion. Forexmegatrion is a forex robot trading that is new to the market, but that works really well. I had been using it for 1 year, and for me has work really well. But what exactly does?

The one thing that I had always struggled with was access to the markets. That´s because the markets are very volatile and you mix emotion when you are trading, and also because the markets are open 24/7, so Forexmegatrion work even when I am sleeping.

Forexmegatrion use complex algorythmic trading pattern recognition, and money management systems to ensure trades are highly profitable, and also use sound money management.

The creator of Forexmegatrion claims that Forexmegatrion is capable of increasing your account in 100% in a month, while I haven´t try this because I play really safe and conservative, I think this is possible because I start with $1,000.00, and I am making $3,000.00 each month.

Test

If you will like to see proof click here.

If you need more information go to: forexmegatrion.

If you need more information on how to start in Forex go to: fx-megaforex.

Forex Signals

What are Forex Signals?

Tell traders when to enter and when to exit trades. They also tell the traders how many contracts to trade as well as how much to risk per contract. Also tell us when to do nothing. In Forex trading doing nothing at the wrong time is just as important as doing something at the right time.

Where to get Forex Signals?

When you want to get Forex signals, you have to suscribe to them or in sometimes your broker will give them to you. But most of the time you may have to paid to get them. You will be able to suscribe for just 1 month so you can prove the system, and see if they work or not.

Example:

The euro tested key short-term resistance at $1.2985 before retracing and closed for its fourth consecutive positive daily gain. A movement through the $1.2985 level opens up further short-term resistance at $1.3008/10 but a near-term pullback to $1.2944 can’t be ruled out.

Entry Limit Order: Buy at 1.2929
Exit Limit (take profit): Sell at 1.3043
Exit Stop (cut loss): Sell at 1.2883

So you will notice that you have all the information you need to start trading in Forex. Sometimes you will not receive any signal, this means that the market is not stable and you cannot predict the tendency, so you will not enter any position because the market is risky.

For more information go to: http://www.fx-megaforex.com

How to Start Working in Forex

What is Forex?

Forex is the largest financial market in the world, with a volume of over $4 trillion a day. It actually equates to more than three times the total amount of the stocks and futures markets combined!

What is traded in Forex?

The answer is simple money. Forex trading is the simultaneous buying of one currency and the selling of another. Currencies are traded through a broker or dealer, and are traded in pairs; for example the euro and the US dollar (EUR/USD) or the British pound and the Japanese Yen (GBP/JPY).

How to start in Forex?

The first thing you have to do to start in Forex, is open an account. When you open an account be sure to find the right broker, one that you can trust. Next, try a demo account, this will help to start knowing what you are doing without risking any money. After you have enough practice in the demo account, you may open a real account.

Why to trade in Forex?

• No commissions.


• No middlemen.


• No fixed lot size.


• Low transactions cost.


• A 24hr. market.


• No one can corner the market.


• Leverage.


• High liquidity.


• Free Demo account.


• Mini and Micro trading.
  

What tools do I need to start in Forex?

All you need is a computer with a high speed internet connection.

How much it costs?

You can open an account with a hundred bucks, but we recommend $1000.00 or up.

More information in: http://www.forexmegatrion.com/ or http://fx-megaforex.com/