Sunday, September 30, 2007

Real Estate Property Investment Series: Focus Dubai 2007

Dubais is a property market of two halvesas it is still a relatively young market in terms of its accessibility for foreign buyers it still has an active off plan residential real estate marketplace, and now it also has a resale and rental market too. This article examines the prospects for both in 2007

Dubais Off Plan Real Estate Prospects in 2007

When it first became possible for foreigner buyers to own freehold real estate in certain areas of Dubai there was an immediate frenzy of interest as properties were selling for relatively low prices in a location where there was already intense demand from expatriate workers for housing.

Both investors and expats living locally in Dubai went head to head for real estate and the off plan property investment cycle was born.

Investors have been making excellent profits from buying properties off plan in Dubai and paying just a deposit for them before flipping the incomplete units back onto a market where demand has been hungry for such property stock. Those who have bought in particularly well located and attractive high rises have often profited most by buying at the point of project conception and then holding stock until all other units had been sold outby waiting until demand for properties was outstripping the supply and then re-floating off plan stock on to the waiting market, investors have taken good profits in a relatively short space of time.

However, for such a market for profitability to continue there has to be a driving demand from other investors to buy flipped on properties and evidence suggests that this will not continue to be the case throughout 2007. Its a fact that profits derived from taking such an investment approach have softened recently because prices have risen so high, and the thought that Dubais property market can continue rising unabated and unchecked forever is nave at best and dangerous at worst.

Investors who take this flipping approach never actually intend paying for their properties, instead they rely on the fact there will be a waiting market hungry to buy resales off plan and all evidence is suggesting that this demand is waning and that the off plan market for investors could show signs of weakness in 2007.

Dubais Resale and Rental Real Estate Prospects in 2007

All is not lost - Dubais resale market and the future prospects for completed property stock are very good indeed for 2007 and beyond. Basically there is such intense and growing demand for real estate in Dubai with 5,000 new families moving to the emirate every month that supply cannot keep up with demand which pushes up rental rates charged and the underlying value of completed resale properties.

As each and every individual, couple or family arriving requires decent accommodation within easy reach and short commute of the main free trade zones and business areas, completed property stock across Dubai is intensely in demand meaning rental rates are already soaring and property prices are creeping higher. Dubai is also suffering from severe construction delays, a worsening shortage of construction workers and an excessive increase in the price of building materials which is holding back new projects and meaning that the predicted number of units to be completed in 2007 has been revised downwards. Clearly supply is not about to flow into the market any time soon and so the profitability of and desire for completed stock will rise.

Real estate investors looking for good performing property assets in Dubai need to buy completed stock in a good location that is not highly adversely affected by the commute issues plaguing Dubai at the moment - and then and only then can they be assured of strong returns in 2007 and beyond.

Rhiannon Williamson writes about property investment worldwide, to read more about property investment in Dubai in 2007 and beyond visit her site

What's Happening In Real Estate Right Now And Where Is It Going?

1. Analysis of Today's Market
2. Update On Gold
3. Real Estate Prices In South Florida
4. Real Estate Nationwide
5. Yield Curve Is Still Inverted
6. What this means to you

1. Analysis of today's market

As an analyst of the economy and the real estate market, one must be patient to see what unfolds and to see if one's predictions are right or wrong. One never knows if they will be right or wrong, but they must have a sense of humility about it so that they are not blind to the reality of the marketplace.

In March of 2006, my eBook How To Prosper In the Changing Real Estate Marketplace. Protect Yourself From The Bubble Now! stated that in short order the real estate market would slow down dramatically and become a real drag on the economy. We are experiencing this slowdown currently and the economy I feel is not far from slowing down as well. History has repeatedly shown that a slow down in the real estate market and construction market has almost always led to an economic recession throughout America's history.

Let's look at what is happening in the following areas to see what we can gleam from them: Gold, Real Estate in South Florida, Real Estate Nationwide, Yield Curve/Economy and see what this means to you:

2. Gold

If you have read this newsletter and/or the eBook, you know I am a big fan of investing in gold. Why? Because I believe that the US dollar is in serious financial peril. But gold has also risen against all of the world's currencies, not just the US dollar.

Why has gold risen? Gold is a neutral form of currency, it can't be printed by a government and thus it is a long term hedge against currency devaluation. James Burton, Chief Executive of the Gold Council, recently said: "Gold remains a very important reserve asset for central banks since it is the only reserve asset that is no one's liability. It is thus a defense against unknown contingencies. It is a long-term inflation hedge and also a proven dollar hedge while it has good diversification properties for a central bank's reserve asset portfolio."

I agree with Mr. Burton 100%. I believe we will even see a bubble in gold again and that is why I have invested in gold to profit from this potential bubble (Think real estate prices around the year 2002 - wouldn't you like to have bought more real estate back then?)

I had previously recommended that you buy gold when it was between $580 and $600 an ounce. Currently, gold is trading at around $670 an ounce up more than 10% from the levels I recommended. However, gold has some serious technical resistance at the $670 level and if it fails to break out through that level it might go down in the short-term. If it does go down again to the $620 - $640 level, I like it at these levels as a buy. I believe that gold will go to $800 an ounce before the end of 2007.

3. Real Estate in South Florida

Real estate in South Florida has been hit hard by this slowdown as it was one of the largest advancers during the housing boom. The combination of rising homes for sale on the market, the amazing amount of construction occurring in the area and higher interest rates have been three of the major factors of the slowdown.

For every home that sold in the South Florida area in 2006, an average of 14 did not sell according to the Multiple Listing Service (MLS) data. The number of homes available for sale on the market doubled to around 66,000, as sales slowed to their lowest level in 10 years.

Even though home prices were up for the year of 2006, the average asking price for homes in December was down about 13 percent compared to a year ago. From 2001 to 2005, the price of a single-family home in Miami-Dade increased 120 percent to $351,200. This is also similar to what happened in Broward County. The problem is that wages during that time only increased by 17.6% in Miami-Dade, and 15.9% in Broward, according to federal data. This is the other major factor that is contributing to the slowdown - real estate prices far outpaced incomes of potential buyers of these homes.

Another factor that helped drive the South Florida boom in prices was high growth in population in Florida. From 2002 to 2005, more than a million new residents moved to Florida and Florida also added more jobs than any other state. However, the three largest moving companies reported that 2006 was the first time in years that they had moved more people out of the state of Florida than into it. Also, school enrollment is declining which could be another sign that middle-class families are leaving.

By far though, the area of South Florida real estate that will be hit hardest is and will continue to be the condominium market. Due to their lower prices than homes, condos make financial sense in the South Florida area. However, the supply of available condos has tripled over the past year and it will get worse before it gets better. More than 11,500 new condos are expected this year and 15,000 next year with the majority of them being built in Miami.

As a result of the oversupply, asking prices for condos are down 12% in 2006 in Miami to $532,000. And incentives are substituting for price cuts. These incentives include paying all closing costs to free upgrades and more.

The last point to think about affecting South Florida real estate is the escalating costs of property insurance and property taxes. These increasing costs are putting more downward pressure on real estate prices.

My strong belief is that we are only starting to see the slowdown of the South Florida real estate market and that prices will continue to fall. Due to the fact that many real estate investors are pulling out, where are the next wave of buyers going to come from at these current prices? Unless a serious influx of new, high paying jobs enter the South Florida area, real estate prices, just like any asset that falls out of favor after a large runup only have one way to go... down.

4. Real Estate Nationwide

A report released last week from the National Association of Realtors showed that in the last three months of 2006 home sales fell in 40 states and median home prices dropped in nearly half of the metropolitan areas surveyed. The median price of a previously owned, single family home fell in 73 of the 149 metropolitan areas surveyed in the 4th quarter.

The National Association of Realtors report also said that the states with the biggest declines in the number of sales in October through December compared with the same period in 2005 were:

* Nevada: -36.1% in sales

* Florida: -30.8% in sales

* Arizona: -26.9% in sales

* California: -21.3% in sales

Nationally, sales declined by 10.1% in the 4th quarter compared with the same period a year ago. And the national median price fell to $219,300, down 2.7% from the 4th quarter of 2005.

Slower sales and cancellations of existing orders have caused the number of unsold homes to really increase. The supply of homes at 2006 sales rate averaged 6.4 months worth which was up from 4.4 months worth in 2005 and only 4 months worth in 2004.

Toll Brothers, Inc., the largest US luxury home builder, reported a 33% drop in orders during the quarter ending January 31.

Perhaps most importantly, falling home values will further decrease their use of mortgage equity withdrawal loans. In 2006, mortgage equity withdrawal accounted for 2% of GDP growth. Construction added 1% to last years GDP growth, so the importance of these factors are to the health of the US economy are enormous.

The other concern is sub-prime mortgages. Today, sub-prime mortgages amount to 25% of all mortgages, around $665 billion. Add to this the fact that approximately $1 trillion in adjustable-rate mortgages are eligible to be reset in the next two years and we will continue to see rising foreclosures. For example, foreclosures are up five times in Denver. These foreclosed homes come back onto the market and depress real estate values.

The Center for Responsible Lending estimates that as many as 20% of the subprime mortgages made in the last 2 years could go into foreclosure. This amounts to about 5% of the total homes sold coming back on the market at "fire-sales". Even if only 1/2 of that actually comes back on the market, it would cause overall valuations to go down and the ability to get home mortgage equity loans to decrease further.

Prepare yourself now because you can still get great advice from the eBook. Buy it with this secure link:

5. Yield Curve is still inverted!

The yield curve is still inverted. In a normal market, you get more interest (yield) for longer term investments. But very rarely the short-term rates become higher than long term rates such as now.

History has shown that an inverted yield curve is the best indicator of a future recession. The yield curve has been inverted since last fall, and if history is any judge we should be in a recession by the 3rd quarter of 2007. Throughout history, we have never had an inverted yield curve without a recession within the next 4 quarters.

The inverted yield curve does not cause the recession, it is simply a signal that something is out of whack in the economy.

6. What this means to you

One of two things could happen going forward in the real estate market: real estate prices will go up or they will go down. History has shown us that any asset that runs up, must come down, whether we are talking about the Dutch Tulip Market, the stock market bubble, the gold bubble of the early 1980s, or Japan's run-up in housing in the 1980's and subsequent 15 year decrease in values.

The big picture of the real estate market is that it goes up and down in cycles. It has been in an up cycle for 10 years and it is most likely time for it to face it's down cycle.

This is the natural cycle of assets:

* Markets go up

* Greed and insanity take over

* An excess forms (i.e. overbuilding)

* A downturn corrects the excesses in the market

This natural cycle is the same principle in "the big picture" as crash dieting is in "the little picture". We starve ourselves to lose 15 pounds, which shuts down our body for the short term, only for it to crank up higher when we go back to "normal" eating patterns.

And speaking of diets, I heard from an old high school buddy who has lost weight on a "cookie" diet where he eats one high protein dinner a day and only 6 low fat cookies throughout the day whenever he is hungry. While he has lost weight on this 800 calorie a day diet, I can't see how it is healthy to starve yourself like that. He told me that whenever he breaks his diet and eats any sodium, he immediately gains one and a half pounds. Talk about your body out of whack! I still recommend exercise ( combined with a low white-carb diet (no white bread, white pastas, and limited sugars). It works for me.

Set your portfolio up correctly now by reading the eBook at

***Disclaimer: This information and the corresponding websites do not constitute professional services, including, but not limited to investment advice. Please consult a finance and/or investment professional for services and advice.

Louis Hill, MBA received his Masters In Business Administration from the Chapman School at Florida International University, specializing in Finance. He was one of the top graduates in his class and was one of the few graduates inducted into the Beta Gamma Sigma Business Honor Society.

Mr. Hill received his undergraduate degree from the University of Florida with a double major in Finance and Risk Management.

For the past several years he has been working in a South Florida commercial real estate lender that specializes in financing real estate developers. Mr. Hill has extensive experience in commercial lending and has seen firsthand the behind the scene challenges and pitfalls that real estate developers are experiencing. He has also seen how things have been deteriorating rapidly in the real estate market. He is also a professional consultant to professional real estate developers and investors.

Mr. Hill is very active in many civic groups and charities.

Where to Invest Your Money

If you are new to investing, or even if you've been playing the market for a while, investment options can be overwhelming. Stocks, bonds, mutual funds. How do you pick the best place to invest your money? That's quite a decision!

Here are some tips that can help you get started:

If you are planning for a long-term investment, it may be wisest to go with stocks. History shows that stocks outperform other investing options over the long term. For example, from 1926 to 2004, the stock market had an average annual gain of 10.4%, compared with only 5.4% for bonds and even less for other forms of investing.

That said, stocks may not be such a good option for short-term investing. They tend to be more risky and can undergo severe losses. Unless you're planning to keep your money there for a long time, you might not want to weather the stress of the stock market's ups and downs. Overall, a company's earnings are going to be the biggest player in a stock's fluctuation.

If you're willing to take a little bit of risk with your investing-or a lot-you probably will notice a bigger payoff. Stocks, for example, are a riskier investment than bonds. But again, stocks tend to bring in a much higher return. On the other hand, there is also the chance that your stock will dip and you may suffer a great loss. That's all part of the game.

If you're looking for a low-risk, surefire investment strategy, U.S. Treasury bonds may be the way to go. The government has a lot of power over these bonds. Because of this, investing in these bonds is generally considered risk-free. Keep in mind, however, that bonds don't do so well when interest rates rise. Conversely, when interest rates go down, bond prices rise. This is particularly true with long-term bonds.

To be safe, the best advice is to diversify your portfolio. If you practice investing in a number of different areas, you are least likely to lose it all. (Remember the Enron scandal? Don't make that mistake!) Some investments will go up, others will go down. But at least you can be pretty sure you won't lose it all. Chances are, with a little research, some self-education, and careful investing, you'll build your savings substantially. Happy investing!

Jeff Lakie is the founder of Investing Information a website providing information on Investing.

Productive Ebay Income - How to Get it

Companies around the world are doing their business online: and Ebay certainly does not miss all the action. There is such a thrill in the sport of bidding, and more customers are willing to join in the game than just purchase an expensive item in another online store. So if a company wants to have a productive Ebay income, there are three things to put in mind to get it: originality, quality and quantity.

Ebay is a haven for the best and weirdest stuff even celebrity garbage can end up in auction! For this reason, a company must set its items apart from the competition. Its originality lies not only on the nature of items being sold, but the packaging and presentation as well. If all aspects are impressive and unique, no doubt more people will bid.

The second important aspect is quality: just one defective item will cost the reputation of the company, since Ebay has a reliable feedback system. So make sure that all the products sold by the business are inspected, cared for, and prepared properly for shipping. The last thing to remember is quantity make sure that the company can accommodate orders and requests.

Remember, bidders will not just be interested in one or two. If they recognize that you are a company, they may try to do bulk orders. So make sure stock is always at hand, and be considerate with the buyers. Try to limit or reduce shipping costs if they are buying multiple items.

Do you want to learn more about how I do it? I have just completed my brand new guide to article marketing success, Your Article Writing and Promotion Guide

Download it free here: Secrets of Article Promotion

Sean Mize is a full time internet marketer who has written over 1574 articles in print and 11 published ebooks.

San Francisco

San Francisco, a city in western California is coextensive with San Francisco County. Famous for its beautiful setting, San Francisco is primarily located on the northern tip of a peninsula at the entrance to San Francisco Bay. It is bordered by the Pacific Ocean on the west, the strait known as Golden Gate on the north, San Francisco Bay on the east, and San Bruno Mountain on the south. Alcatraz, Angel, Farallon, Treasure, and Yerba Buena islands are part of the city.


The population of San Francisco increased from 678,974 in 1980 to 723,959 in 1990; the population was 735,315 in 1996. According to the 1990 census, whites constitute 53.6 percent of San Francisco's population; Asians and Pacific Islanders, 29.1 percent; blacks, 10.9 percent; and Native Americans, 0.5 percent. Hispanics, who may be of any race, represent 13.3 percent of the population. San Francisco is part of a major metropolitan region that also includes Oakland and San Jose. The region's population increased from 5,368,000 in 1980 to 6,253,000 in 1990, reaching an estimated 6,940,000 in 2004.


San Francisco is a leading financial and international trade center for the western United States. The downtown financial district contains the Pacific Coast Stock Exchange; the headquarters of the 12th Federal Reserve District; and numerous banks and corporate office buildings, including the home office of the Bank of America, one of the largest banks in the world. Tourism is also important to the city's economy. The San Francisco region is also home to many companies developing computer software and hardware. Several national apparel manufacturers also have headquarters in the city.


The main institutions of higher education in San Francisco are San Francisco State University (1899), the University of San Francisco (1855), Golden Gate University (1853), the University of California-San Francisco (1864), the New College of California (1971), the University of California Hastings College of Law (1878), the San Francisco Art Institute (1871), the Academy of Art College (1929), the San Francisco Conservatory of Music (1917), and a large community college. San Francisco has many performing-arts organizations. Among the best known are the San Francisco Symphony Orchestra, the San Francisco Ballet, the San Francisco Opera, and the American Conservatory Theater.

For more information, visit The San Francisco Help Center

David Chandler
For your FREE Stock Market Trading Mini Course: "What The Wall Street Hot Shots Won't Tell You!" go to: The Stock Market Genie

Well Managed Investing Risks Bring Rewards!

"Risk comes from not knowing what you're doing!" Warren Buffett (1930 - )

We often listen to people who hesitate to invest in the stock market because they fear risk. There are older people who fear that a stock crash could leave them destitute. There are young couples who pine for a new home but worry that an investment loss could kill their chances.

For any investor, risk is a fact of life!

Whenever an opportunity opens up for you to make an investment profit, you also face the fear of the possibility of suffering an investment loss. Even with "safe" kinds of investments, such as bank deposits, there is a risk that the rate you earn will not exceed the rate of inflation.

Often, these fears are rooted in a misunderstanding of what risk is. Those who understand market risks --and properly evaluate their ability to tolerate them-- can supercharge their investment portfolios by embracing a certain amount of uncertainty!

In the financial world, risk translates to uncertainty and it's measured by standard deviation from the norm.

Many individuals would say the riskier investment is the first, because their principal would be in greater jeopardy. But to professionals, the first investment is merely stupid --not risky--because it's a sure thing to lose!

Still, what worries many is that you never know when the stock market is going to dive. What if it falls right before you need to sell?

Most individuals measure risk as their chance of loss, but we measure risk by the variability of returns!

In other words, because stocks have higher average returns, you can suffer some losses and still end up vastly ahead over the long run.

There's only one situation in which adding stocks to your portfolio doesn't make sense--when you don't have time to let the market work for you.

In any given year, you have about a 1 in 4 chance of taking a loss in the stock market. If one year or less is as long as you plan to invest, stocks boil down to a gamble.

But if your time horizon is five years or more, there's a very good chance that putting at least a portion of your money in stocks will boost the performance of your investments!

One question you have to resolve is the kind of investment risk you're comfortable taking. The choice ranges from conservative to aggressive, with a broad middle ground between the extremes.

Conservative Investing: Means putting money where there's little risk to principal.

Moderate Investing: Means taking risks by putting money into growth stocks and bonds.

Aggressive or Speculative Investing: Means taking a possible risk of losing part of your investment in exchange for the possibility of making a larger profit.

The ideal risk equalizer is that you should work for balance among the various risk categories.

One of your concerns should also be that if you invest too conservatively, you won't have enough money down the road to afford your goals even if you've been diligent in following your plan.

Another concern is that by taking too many chances you risk losing too much of your capital.

Ioannis - Evangelos C. Haramis was born in Greece in 1951 and he studied in Greece, USA and in Belgium. He has been active in the stock markets since 1972. Since 2002 he is New Business Development Managing Director at an Investment Bank and the editor of

Copyright 2005 I.E.C. Haramis

Saturday, September 29, 2007

Financial Investment Tips - 7 Tips For Not Losing Money On Your Mutual Fund Investments

Investing in mutual funds has inherent risks. You cannot totally eliminate all risk from any financial investment. However, you can significantly reduce your risk and lower your chances of losing your principle by following these seven tips.

1.Know the risks.

Not only should you know the risks but you should know them before you buy. Many people learn by trial and error. That way of learning means that you will get burned every time you learn a lesson. Your life will be more comfortable if you learn from the mistakes of others. Then you get the benefit of the lesson without the financial injury.

2.Discern who has your best interest at heart.

You always want to have your radar on so you can discern who is a friend or a foe. It takes practice to be able to tell who has your best interests at heart. If someone only calls you when they want you to buy something, they may have their self-interest above what is best for you.

One of the best principles to utilize when judging the merits of someone's ideas is to use third party verification. See if what someone tells you can also be verified by a third party. Who else says that this investment is a solid long term play?

3.Always understand how financial instruments work.

If you cannot explain how something works in one to three sentences then you may not fully grasp what it does or how it works. That lack of knowledge can end up harming you later. An easy way to research financial terms and investment vehicles is to use a search engine like Google or Type a term in a search engine and you will easily find simple explanations to almost any confusing terms.

4.Know your options.

Don't think that you must invest in the single item that is in front of you. Understand what options you have. You may discover that something that is similar but ten times better for your individual comfort level.

For example, many people have bought REIT's and mutual funds that invest in real estate over the last ten years. However many experienced investors that I know have been surprised to see people use these investment vehicles when they can easily invest in real estate directly as a private lender without the fees and expenses.

5.Stay within your risk comfort zone.

Some people fall into the trap of feeling that they must take more risk because they are close to retirement and need to grow their savings faster. This attitude can lead to chasing the highest return without fully assessing all of the risks involved. Staying within your comfort zone can bring you more sleep and less stress.

6.Get answers to all of your questions.

If you have serious reservations about an investment, do not purchase it. First, get your questions answered, and then decide if it is right for you. Too many people accept what someone presents to them without fully understanding it.

7.Ask an expert.

Talk to other people who know more than you do about the financial subject you are interested in. Discover their opinion and how they feel about the topic. They may be able to suggest an alternative that suits your needs better.

If you are wondering where you can find an investment that many experienced investors describe as being very secure and earns high returns, then go to

If you'd like to read a Special Report on getting higher returns in your IRA, then you can download it by going here and looking in the left hand column.

Written by Dan Snyder - founder of the Association of Private Lenders.

Home Business - A Simple High Profit Small Business Opportunity Part 1

Forget MLM, Affiliate deals and making money from the net, here we are going to look at a small business opportunity anyone can learn and allows investors with small stakes to build wealth quickly.

Lets look at this home business opportunity in more detail.

The opportunity is opening your own currency trading business from home dont worry if you have never traded before, you can still make big profits and you dont need much capital to get started.

Lets look at the advantages in more detail.

1. No staff stock or premises

Overheads are low all you need is some seed capital to get started, a connection to the internet and around 30 minutes a day and youre all set.

2. You will never need to seek customers

You dont need an advertising budget, as there is a market you can buy and sell in for profit 24 hours a day for profit.

3. Leveraging your gains

You dont need to borrow money, you just need a small amount to start, you can leverage it and this is the huge advantage of this opportunity and what makes it so profitable.

For example, if you want to buy $3,000 of Euro currency your broker will allow you 100:1 leverage - this means you can trade $300,000 this allows your funds to work many times over.

4. Never a recession

As one currency rises another falls meaning there are constant opportunities for profit. You will never have periods of recession where you dont have the opportunity to make money.

5. Its simple to learn to trade

Trading is an occupation that can be learned by anyone with a willingness to learn and you can become proficient in around 2 weeks of study.

In a famous experiment legendary trader Richard Dennis taught a group of people from diverse backgrounds with no trading experience to trade in just 14 days.

This group (nicknamed the turtles) went on to become some of the most famous traders of all time and made millions.

You may not become as successful as the turtles, but the fact is the opportunity to be a successful trader from home is open to anyone.

You Can Build Wealth Quickly

Currency trading represents an opportunity to start with small stakes and build wealth quickly.

You dont need to have above average intelligence to do it, as to learn to trade is simple you do however need the right mindset to apply the knowledge you have learned.

In trading your mindset is crucial to your success.

The Character Traits You Will Need

Character traits you will need are patience to wait for opportunities, confidence in your trading method and the discipline to apply your method through inevitable losing periods.

An Opportunity For All

Many people try trading and fail because they do not approach it as a business and let their emotions get involved; if you can keep your emotions in check and be disciplined in your approach, then you can achieve bigger profits than in any other home business opportunity.

In part 2 of this article we will show you where to look on the internet to acquire the knowledge you need and how to build a business plan for success.

Grab 5 FREE Trader PDF's Much More

Get the support you need to trade like a pro with our user-friendly multi-lingual online trading platforms up to date financial news, real-time market prices, tight pip spreads, built-in risk management system, and 24-hour professional support.

Grab your FREE PDF's NOW:

The Truth About Most Option Trading Seminars

Are you about to pay thousands of US Dollars to attend an option trading seminar this weekend?

Whether or not you have decided to join that weekend seminar, I hope I can help you make a more intelligent decision here.

A Grim Experience At An Option Trading Seminar

I had a friend who joined a weekend, 2 days, option trading seminar (a very well-known one by the way), promising that every participant will walk away with enough knowledge to profit at any market condition and be on their way to their first million just by option trading. He paid USD$3000 for the 2 days seminar and walked away feeling all hyped up but totally confused as to how exactly to start option trading. He was then told to sign up for an advanced course for another USD$5000 for 4 days. That 4 days seminar taught him little more than option trading basics and how to open a trading account but still completely no idea whatsoever as to how to read the market and pick stocks on which to trade options in the first place. He was then asked to buy a USD$6000 laptop containing a magical software that will tell him exactly what to trade daily. That software turned out about a hundred opportunities a day again, he is totally confused.

After paying a grand total of USD$11,000, my friend had completely no idea how to start trading options consistently and you guessed it, he ran into another USD$11,000.00 in credit card debt which he is still paying 24% per annum of interest on. (Not to mention losing another USD$5000.00 on losing trades produced by that magical software)

The Truth About Most Option Trading Seminars

The truth about option trading seminars these days are that they are conducted by people who claimed to have made millions from option trading but are really making millions by conducting seminars like that.

Heres a math from an internationally acclaimed option trading guru who charges USD$2500.00 for her 4 days seminars:

Cost Per Head : USD$2500.00
Average Number of Participants : 120
Average Number of Seminars Per Month : 2
Average Gross Takings Per Month : USD$600,000.00
Average Gross Takings Per Year : USD$7.2 MILLION!

See how these option trading gurus are really making their millions?

What Option Trading Seminars Really Teach

Sadly, most option trading seminars have nothing magical nor proprietary to teach. Most of these option trading seminars simply teach people what option trading can do and how to do some of the common option trading strategies which anyone can learn completely for FREE on option trading sites like

These fake option trading gurus then use a lot of hype and motivational techniques to make all participants think that they have indeed stumbled upon a gold mine.

What Option Trading Seminars Are Not Teaching You

Option Trading, like all kinds of trading activities requires foremost for the trader to be able to pick the right stocks that behave within the predetermined limits of the strategy in the first place. You will lose money if you do a bullish option strategy on a stock that stumbles eventually and you will lose money if you do a neutral strategy on a stock that suddenly surges. The ability to pick the right stocks is the real key to any kind of trading, including option trading and that is exactly what you will not learn in most of these option trading seminars. This means that most of these option trading seminars really have nothing proprietary to teach anyone at all!

To make up for the gap, these fake option trading gurus make participants sign up for stock picking programs or buy expensive software which eventually still led to nowhere. Being able to pick the right stock for option trading is an extremely tricky task which the best in the industry are still trying hard to do consistently!

Everyone who learnt option trading must then begin the long and arduous journey of looking for a reliable way of picking stocks for option trading consistently. That is a long and wide journey which includes learning about fundamental and technical analysis, different scopes and methods of trading options and things like that things that really do have proprietary knowledge and which is ok to pay a fair price for.

I am sad to see so many people who loves to learn about option trading fall prey to these option trading seminars and to pay thousands to learn things that can be learnt for free. That is why I started the where I provide all the information and knowledge all beginners need to know what option trading is and how to trade options and I sincerely hope that the public can help me to help yourselves by spreading the good news around.

Jason Ng is the Founder and Chief Option Strategist of Masters 'O' Equity Asset Management ( ). He is a fund manager specialising in options trading and his Star Trading System has helped thousands. For Free Option Trading Knowledge, please visit .

Forex Trading: How to Setup a Solid Workstation?


At first glance, it may not appear that important, but you will come to appreciate the wisdom of ensuring you have all of the tools necessary to make your currency trading experience a positive one.

Work Station Location

Choosing the right place for trading is your first step. Be sure not to rush into making this decision too quickly. Do you have a spare room? How about an office? The place you choose should be a place where you can concentrate and feel comfortable.

Trading Forex at times can be very stressful, so your trading area should be a place where you can relax. Avoid setting up your trading setup in your bedroom, as this could disrupt your sleep cycle. Having the right amount of rest and sleep is as important as trading forex itself. Keep this in mind.

Trading Computer and Accessories

One of the most frustrating events for a new trader is attempting with outdated computer equipment. The following list must not be ignored in acquiring adequate computer equipment:

Minimum Hardware Requirements:

Pentium 3
256 MB Ram
20 GB HD
17 Monitor
Fast Internet Connection
Windows 2000, XP
Antivirus and Firewall Protection

Whether you choose a desktop or laptop computer, be sure it meets the minimum requirements for the best operating results. Youll also want to have a comfortable chair with adequate lower-back support.

Other useful accessories include: a small calculator, a telephone to call dealing desk if needed and a notebook to be used as a trading log.

Recommended Hardware Requirements:

Pentium 4 2.6GHZ or better
512 MB Ram
100GB HD
2 17monitors or 2 19 (LCD)
FAST Internet Connection
Windows XP
Antivirus and Firewall Protection

Internet Connection

When you are a day trader, you will need a stable fast internet connection, avoid internet services where frequent disconnections are the norm, for longer term traders (such as o daily chart traders), you can use a dial up connection but still preferred is a fast stable connection to the internet such as ADSL.

Toby Smitz - Daily Operations
Forex Trading

Friday, September 28, 2007

Building a Webgame - Putting the Chrome on a Stock Simulator - Part 2

Last article we detailed the first list of functions we wanted the stock simulator to do...

  • Buy and sell stocks in TV shows, TV channels, Studios, and stars
  • Short sell and cover the same stocks (Short selling and covering is the opposite of a buy or sell, if you short a stock, you hope the price drops so you can gain money on the fall.)
  • Rate or vote for popular TV shows
  • offer easy to use registration that is seamless
  • design the market system for extreme modularity so we can add in new features as we develop them without interrupting the market itself.

That list has now significantly expanded - this is the current list of functions and capabilities for the Stocks Online application...

  • buy and sell stocks
  • Short and cover stocks
  • Rate or vote for a random list of 10 stocks
  • easy registration process
  • retain modular market system for additional modules without extensive recoding or rebuilding
  • Display stocks not yet released so players can see upcoming stock listings or IPO's
  • Allow players to pre-buy IPO stocks before they go live at the IPO price
  • Flash-based stock ticker pulling information off of a cron-built data file that is updated every 15 minutes
  • hot-links in the stock ticker so players can go to individual stocks as they stream across
  • Generate a top 10 list of stocks so players can see what stocks are moving
  • A function to make a stock featured
  • Put a hotlink on the main page that shows a random pick of an IPO stock released that day, a featured stock that is being promoted, and the top moving stock in regards to share volume
  • Different stock types so there can be easy separation between categories such as shows, people, and studios or channels
  • cross-link stocks so if one stock goes up or down in price, all associated stocks also feel the adjustment to a smaller degree.
  • An admin function for stock price adjustment that allows for all cross-linked stock to be effected by the price adjustment without the cron cycle
  • a stock hold function with cash out ability so we can put a stock on hold and cash it out if it delists or go's onto a hiatus
  • Allow a player to rate individual stocks for a reward
  • Allow a player to write a review of a stock for a reward

We are currently finishing up the last two items on the list, at which time the application will be completed and we will begin branching out the stock sim to different niche market applications.

As the entire application is php based, we can put functions into php includes and as such modularise the system to create custom pages for Reality TV or for specific studios or shows as events occur, such as the Emmy awards.

Once the base system was completed, the real work began , putting in all the data for current television shows, the actors involved, producers, directors, creators, the studios and the channels that air the shows. Everything had to be put into the system, cross-referenced, and checked to ensure it all worked seamlessly.

That data entry took most of two months to do - but by the end, the market system had been seeded with all of the current run prime-time shows and their related actors and production studios. The market was brought out of Beta status on September 2nd and went live later that day.

We then began tracking neilson ratings so we could revalue the market as we realised the arbitrary values we had put into the stocks were far too low. Tracking neilsons back to early august, I began to compile a spreadsheet showing the neilson trends and the growth in viewership as new shows premiered and then either faded or survived.

In the last week of September, we put a hold onto the primary channel stocks, freezing and cashing out ABC, CBS, NBC, Fox, and The CW - and then neilson adjusted each one up to it's corrected levels based on the neilson ratings that had been accumulated. The reaction to the linked stocks was dramatic. CBS which linked to every CBS aired show gained ground rapidly. By the time the next Cron cycle had run after all neilsons had been put in, CBS stood at over $100 a share in game currency. It had started at about $2.

We examined the transaction history that had been generated as well as the link history and found that CBS's initial adjustment up to +56 had caused a cascade within it's linked stocks - they had all adjusted by about $10-$15. This backflowed and upped CBS even higher, up to around $70 a share. Then the neilson adjustments for each show went in and those also backflowed through the link bringing CBS even higher.

Since then, all stock ratios have stabilised at corrected levels and the market is stable. We don't see the need for future adjustments on the level of the first major price readjust, but if so, the market software seems more than able to cope with it. PHP is a remarkably stable application framework, and with the mysql backend, the Stocks Online application looks to be very solid and stable.

Tim Morrison is the designer of TV Stocks Online, the world's first fully developed television stock market simulator totally functional with live data from Nielson figures and user interactions. Join the growing fantasy market, share your opinions on current TV and see if you can pick the winners and losers out of the current Primetime television lineups.

Texas Invests In Its Future - The Young See Hope For Retirement

No wonder so many of us run from discussions on financial matters, ignore our bills, and spend too much money, as if in rebellion. It's scary out there.

Last year, the Employee Benefits Research Institute released the results of a study concluding that the majority of Americans are unprepared for retirement, are not saving enough for it, and have unrealistic expectations about how much they will need to live comfortably in their golden years. Texas is no exception. With its high poverty rate, and even higher rate of those going without health insurance, it's lucky many can get through day-to-day life.

Being one of the millions in debt myself, I can understand this. The rising cost of housing, food -- even clean drinking water -- can drive anyone with a limited income to distraction. I decided to stop changing the television channel with every new disastrous financial report, and to start researching, when an investment counselor said to me with matter-of-fact conviction, "You know, young adults now just may need a million to retire." After the initial (and expected) incredulous gasp, I decided gulping air wasn't going to do me much good. As usual, knowledge and simple planning gave me hope. Here are a few tips on digging yourself out of the panic.

Checking and Savings Accounts:
The first step in building a sound financial future is practicing money management skills with both checking and savings accounts. Most of us have at least one of them; keeping track of their balances is an entirely different matter.

Free checking accounts are fairly easy to procure. At one point, it was common for financial institutions to charge monthly fees for the privilege of stashing money with them, but the banking industry rakes in so much profit from successfully luring their customers into other investments that it's just not necessary anymore. The theory is that if one has a free account with a particular financial institution, there's a good chance that person will return to that institution for other investments as his or her income grows -- investments that will make both the customer and the bank happy.

By all means, take advantage of this. Texas abounds with students -- students needing any freebies they can get -- so it shouldn't be difficult to find a bank offering free checking and savings accounts, especially in cities like Dallas, Houston, and Austin. Look for a checking account without a minimum balance requirement, and one that doesn't, of course, charge monthly fees.

Free checking accounts are not usually interest-bearing, so put only enough money in it every month to cover your monthly bills, plus a little padding. Keep track of your balance; the greatest risk with these accounts is the astronomical overdraft fees most of them charge. Once all of your bills are paid at the end of each month, stash extra income in an interest-bearing savings account. The average APY (Annual Percentage Yield) on low-balance savings accounts hovers somewhere just around 0.5%, but at least it's something

Short to Middle-Term Investments:
Once you feel you've established a healthy pattern of money management -- no overdrafts, a properly balanced ledger, and all bills paid in full -- start looking into other investments. Most of the time, you'll need at least $500.00 to invest in other types of accounts, and, at least initially, look for those with better APYs than your current savings account, but will not inflict penalties for withdrawing funds whenever you need them.

Money Market Accounts:
Money market accounts are great investments at any age, but they're particularly advantageous for beginning investors simply because there are no penalties for withdrawing any amount at any time, no waiting period to continue investing (you can, likewise, deposit money at any time), and the funding is usually only a check away. There are several types of money market accounts, so be sure to investigate the minimum investment required, interest rates, and restrictions on each before making any commitments.

Money markets work by pooling investments from thousands of contributors into an assortment of (usually short-term) funds from municipal bonds, to stocks. The result is a fluctuating interest rate that is almost always at least a few percentage points higher than that of a standard, low-balance savings account. According to USA Today, non-bank money market funds are currently at about 5% APY.

Certificate of Deposit:
Certificates of Deposit, or "CDs" have been around longer than the replacement for the tape cassette. Interest rates are fixed, rather than fluctuating, are usually comparable to money market accounts and can be purchased at a bank or other financial institution, including many sites online, for terms as short as three months. Of course, the longer the term you lock in, the higher the rate you will obtain under most market conditions In other words, whatever interest rate you lock in at the beginning will remain the same throughout the course of the investment. Once you've invested in a CD, however, you cannot continue adding to the same one during the life of that investment, until renewal -- which is one reason you may want to go with a shorter term.

The primary disadvantage of CDs lies in the substantial penalties inflicted if the investor withdraws his or her money before the allotted time. The average APY for a six-month CD is currently 3.59%; for a one-year CD, 3.77%; for a five-year CD, 3.96%, although some banks may offer better deals. CDs are a good idea if their current APYs are higher than contemporary money market accounts, and you don't expect to -- or perhaps don't trust yourself to -- handle the money for a while.

Health Savings Account:
Health Savings Accounts, or HSAs were created by a 2003 Medicare bill, and are, without a doubt, worthy of consideration for many individuals and families. HSAs strive to address the growing problem of underinsured Americans (Texas knows this well, with over 25% of its population going without any insurance) by allowing investors to save for qualified medical expenses and future retirement health expenses, on a tax-free basis. These accounts are only made available to those with qualifying high-deductible health insurance policies, and are a great choice for many young, middle-class Americans. HSAs provide incentives for saving towards healthcare, and a bit of financial padding in case of disaster. The major disadvantage is that penalties are inflicted if the money is withdrawn for unqualified expenses prior to the age of 65.

Retirement Accounts:
The types of retirement accounts available to Americans are too numerous to mention, and are highly dependent on employers in most cases. Entire sections of libraries and many websites are dedicated to this subject. The first, and most important thing to do, is to check with your employer to see if, or what, retirement plans are offered. Some companies offer employee benefits, including flexible 401(k) plans and matching funds. Look seriously into these options.

However, rather than briefly attempting to delve into the plethora of accounts that may, possibly, be available to you, this article will focus on an account available to all, regardless of employer -- the Roth IRA account which has become increasingly popular since becoming law in 1997.

Now, IRAs have been around for some time, but traditional IRA accounts require funds going in, and coming out, to be taxed. This means that whatever dividends or proceeds an investor earns over the years will be taxed upon withdrawal. Considering that IRA interest rates are compounded, this could (and is intended to) add up to quite a bit over several decades.

Roth IRA accounts, on the other hand, do not tax funds upon withdrawal. Funds invested into the account are considered taxable income going in, but the compounded interest or proceeds can accumulate tax free, until the age of 59, at which point they can be withdrawn without penalty or taxes. A Traditional IRA, on the other hand, is not taxed going in, but is subject to tax coming out, at whatever rate of income will apply to you at that time -- the assumption being that you will withdraw most of this money during retirement, when you will not have other earned income driving up your tax rate,. This means that whatever your Roth IRA account balance statement is, is the amount you have for retirement, free and clear. No more taxes. If an investor begins an IRA account in his or her twenties, and contributes a modest amount every month (possibly matched by an employer), principle and compounded interest could conceivably yield a million or more dollars over four decades. The way to think of a Roth IRA, as opposed to a Traditional IRA, is that you are paying taxes on the seeds instead of on the crop.

Now, that's something to think about. Maybe retirement is possible...

See, that wasn't so hard. Respect yourself (and your anxiety levels) enough to seriously investigate financial opportunities. There's a good chance you're missing something you have the funding for -- right now, sitting in a no-, or low-, interest-bearing account. If you have any kind of steady income, financial security should be within your grasp. A comfortable retirement is in your future. Just take a deep breath, open your bills, and start acting like the adult you always dreaded you'd have to be someday.

Taking care of your financial responsibilities can have a positive effect on your anxiety levels, sense of security, and overall health. Being aware of your health, and what you can do to safeguard it, will certainly affect you as you age, and eventually your wallet as well. If youre a young individual who tries to keep informed and maintain a healthy condition and lifestyle, you should take a look at the revolutionary, comprehensive and highly-affordable individual health insurance solutions created by Precedent specifically for you. Visit our website,, for more information. We offer a unique and innovative suite of individual health insurance solutions, including highly-competitive HSA-qualified plans, and an unparalleled "real time" application and acceptance experience.

Precedent puts a new spin on health insurance. Learn more at

FOREX Trading - 95% of Novice Traders Lose - Could You Win?

There is one fact that you need to consider carefully before you engage in FOREX trading and if you do, you could save yourself a lot of money, so here it is:

If 95% of novice currency traders lose, why should you succeed at FOREX Trading?

Think about it carefully, the vast majority of traders get wiped and thats a proven fact.

Will you lose? If You Believe the Following You Will!

If you want to see if you are going to lose consider the following questions and then we will give you some advice on how to win at online currency trading:

Firstly if you hold these views you will lose:

1.You can make money day trading

Try it and find out. You will lose and lose quickly more novice traders try day trading than any other method, but its doomed to failure as you can never get the odds on your side period.

2.You can buy success

Dont all those e-books look enticing on the net?

Scalp 15 20 pips a day, make $2,000 dollars a month guaranteed trade with 80% success etc

All for a few hundred dollars!

Of course, these people make their money selling courses NOT trading so they win and you lose.

There is a small minority of FOREX education that you can buy that is worth the money, but most of the so called wisdom is available free on the net and you dont have to buy it.

Always ask your self the question:

If their that good at trading why do they need to sell advice?

3.You can trade by listening to the news

Many people watch the news and there is plenty of it about.

Its well thought out, well presented, in many cases very convincing and dead wrong and will help you lose.


Because news is stories these people are giving you their view (fair enough) but their not traders.

An economist can always give you great arguments for why something has happened, but explaining what is going to happen, is a completely different ball game.

4.You dont like risk

Many novice traders try so hard to restrict risk they create it thats why many are attracted to FOREX day trading.

They tend to place stops to close and give themselves no chance of winning.

If you dont like risk do something else.

5.Whats your edge?

Ask yourself this question before you trade and think carefully about it.

Why should you win when 95% of traders lose whats your advantage?

As we have seen its none of the points discussed above!

If you cant answer the above question, you dont have one and odds are you will lose all your money.

Any positive advice?

Yes, the good news is anyone can make money trading FOREX as everything about it can be specifically learned.

What you need to do is accept you are going to do it on your own no one else can help you, only you can give yourself success.

Then learn the right knowledge.

FOREX trading is actually quite simple but requires a different mindset to other activities; you must acquire the right knowledge and the mindset to win.

FOREX Trading is all about working smart, not working hard and if you learn FOREX trading the right way, you can make a lot of money.

We dont have to time to go through the above in more detail here but we will cover the mindset to win and the education you need to win in part 2 of this article.


On all aspects of becoming a profitable trader including features, downloads and some critical FREE Trader PDF's and more FREE Forex Education visit our website at

Forex Trading - 2 Simple Tip to Increase Profits Dramatically

Here we are going to give you 2 simple tips that will instantly improve your overall forex trading results. There simple to learn, easy to apply and could help you achieve big profits consistently of 100% or more annualized.

Consider this point:

Forex trading is all about being right with your forex trading signals and making money You dont get rewarded for the effort you put in to forex trading strategy the only thing that matters is profit.

Here we are going to focus on working smart not hard to make more money from trading.

Before we discuss our forex tips in greater detail, lets look at two key points in regard to currency trading.

1 The Big Trades Only Happen a Few Times a Year

If you look at any currency chart the really big strong trends only occur a few times a year and these are the trends that offer the best risk reward. The rest of the time the markets are either trending sideways with no clear trend, or showing high volatility which is hard to trade.

2. Trading The Odds

If you want to make money you need to trade the odds and get them on your side. The best way of doing this is to focus on set ups that give you a clear trading edge which is easy to see on any forex chart.

You need to look for valid support or resistance which has been tested numerous times over several months you know if these levels are broken the likelihood of a new trend developing are high.

The two tips to make more from your forex trading system are:

1. Cut back the amount of trading you do

And only focus on high odds trades look for valid breakouts of support and resistance and trade them.

Keep in mind, most big trends develop from new market highs NOT market lows so you need to focus on the breaks and go with them.

Use a breakout methodology and ONLY trade these high odds trades. You wont trade often but each trade you go into will have the potential for triple digit gains.

If you like the excitement and buzz of trading this method is not for you, but if you want to make money from your forex trading strategy it is!

This now leads onto the second point:

2. Risk More Per trade and DONT Diversify

You will hear a lot about diversification and cutting risk but all it does is dilute profit potential.

You will also read a lot of investment wisdom that says risk only 2% per trade, well if you are a small forex trader with a $5,000 account, that's just thats $250.00!

Forex markets involves taking risks and with risk goes reward - the more you risk the more you make pure and simple. If you are trading a currency move that is a high odds one risk more 10 20% is a good figure to aim at.

The above forex trading strategy focuses on making money nothing else and will cut the time you spend forex trading. Furthermore it's based on a breakout methodology which is simple to learn, easy to apply and is discussed in the next article in this series.

NEW! 5 X Critical Trader PDF's & Much More

Claim your FREE PDF's and demo account and learn Forex Trading and also get: Breaking financial news, tight pip spreads, guaranteed stops, $100.00 minimum investment and 400:1 leverage - at

Avian Flu Fright: Politically Timed for Global "Latrogenocide"

Dr. Len Horowitz's Avian Flu Fright Commentary

To: All grassroots activists, health and vaccination networkers.

Please forward this urgent e-mail, to help save lives, to everyone in your network.

Avian Flu Fright: Politically Timed for Global "Iatrogenocide"

A Public Health Warning and Political Essay by a Harvard-trained Author of Fifteen Books Including the American bestseller, Emerging Viruses: AIDS & Ebola-Nature, Accident or Intentional?

Leonard G. Horowitz, DMD, MA, MPH


If avian flu becomes more than a threatened pandemic, it will have done so by political and economic design. This thesis is supported by current massive media misrepresentations, profiteering on risky and valueless vaccines, gross neglect of data evidencing earlier similar man-made plaques including SARS, West Nile Virus, AIDS and more; continuance of genetic studies breeding more mutant flu viruses likely to outbreak, inside trading scandals involving pandemic savvy White House and drug industry officials, curious immunity of these pharmaceutical entities over the past century to law enforcement and mainstream media scrutiny, and published official depopulation objectives. With the revelations and assertions advanced herein, the public is forewarned against this physician assisted mass murder best termed "iatrogenocide."* This genocidal imposition is expected to serve mainly economic and political depopulation objectives.


In April, 2003, a social experiment called SARS, said to have arrived from Asia, heavily struck Toronto. I was there throughout most of this Asian flu-foreshadowing fright. This bizarre new pneumonia-like illness was named Severe Acute Respiratory Syndrome. It was said to be the latest threat in an ongoing series of attacks on humanity by mysteriously mutating "supergerms."

A careful study of the scientific and medical-sociological correlates and antecedents of this "outbreak" revealed something amiss far more insidious than SARS. I critically considered Toronto's media reaction as any Harvard-trained public health expert in media persuasion behavioral science might. The scourge had all the earmarks of a novel social experiment conducted by white-collar bioterrorist.

It seemed clear to me that this unprecedented population manipulation effectively indoctrinated the mass mind in support of a grossly ineffective, albeit legislated, public health response in advance of the arrival of "the Big One." Throughout the "SARS Scam,"(1) repeated references were made to biological agents that might facilitate decimation of approximately a third to half of the world's population. Having extensively reviewed political population control literature and contemporary objectives of leading global industrialists, I noted these predictions were in close keeping with current official population reduction objectives.(2)

Canada's response to SARS in 2003 was, for the first time in history, directed by the United Nations and World Health Organization (WHO). Having reviewed the intimate financial and administrative ties between these organizations, the Rockefeller family, Carnegie Foundation, and the world's leading drug makers, "the fox," in essence, reigned over Canada's "chickens."

The truth about plagues includes the fact that "no grand pandemic ever evolved divorced from major socio-political upheaval." SARS advanced a political agenda more than a public health emergency. If public health officials earnestly intended to prevent these new emerging diseases, or successfully treat them at their roots, I repeated, they would study their obvious origins from the merged military-medical-biotechnology arena. A basic course in medical sociology simply justifies this utilitarian counsel.

"Experts" had been predicting the arrival of a super-plague for decades. What was HIGHLY SUSPICIOUS about the mysterious and terrifying arrival of SARS, however, was its timing. It synchronously arrived with the global war on terrorism, and the Anglo-American war with Iraq. It seemed a convenient distraction from the fact that the earlier Bush administration had shipped Saddam Hussein most of his deadly biological weapons arsenal including anthrax and West Nile Virus. SARS was pathognomonic (i.e., symptomatic and characteristic) of what I had predicted and explained in the book, Death in the Air: Globalism, Terrorism and Toxic Warfare (Tetrahedron Publishing Group, 2001;, a prophetically-titled text that predated the 9-11 attacks on America by several months, and provided a contextual analysis of certain globalists' links to recent "outbreaks."

In essence, I provided insight into the broad application of a new form of institutionalized "bioterrorism" consistent with state sponsored biological warfare. Saddam Hussein was said to have exposed populations in his and adjacent lands with biological and chemical weapons of mass destruction. SARS and the current avian flu fright is sanctioned by military-medical-pharmaceutical-petrochemical industrialists likewise operating above the law in many documented instances. Having testified before the U.S. Congress, I personally experienced how premiere pharmaceutical industrialists direct our political-economic representatives in government. Emerging diseases complement the political "War on Terrorism," and our bioterror-influenced culture. This agenda serves two primary objectives: profitability and population-reduction.

Political Reality Versus Mass-Mediated Myths

The ever increasing madness around us is eerily consistent with globalist think tank recommendations for the current "conflicts short of war." Beginning in the late 1960s, "economic substitutes for standard militarization" were sought and found by leading global industrialists. New biological threats, the "war on terrorism," and increasing numbers of "natural disasters" including space-based threats and superstorms were considered economically and politically expedient compared with the first and second world wars. These "conflicts short of war" were decidedly more manageable and economically viable. For this reason, especially their profitability, they were leading options among Anglo-American policy makers.

Nelson Rockefeller's protg, Henry Kissinger, for instance, as National Security Advisor (NSA) under Richard Nixon, oversaw foreign policy while considering Third World population reduction "necessities" for the U.S., Britain, Germany, and other allies. This Bush nominee to direct the 9-11 conspiracy investigation, a reputed war criminal, then selected the option to have the Central Intelligence Agency (CIA) develop biological weapons, according to the U.S. Congressional Record of 1975. Among these new man-made biological weapons were germs far deadlier than the avian flu.

For example, by 1968, when Kissinger requested and received updated intelligence on useful "synthetic biological agents" for germ warfare and population control, mutant recombinant flu viruses had just been engineered by Special Virus Cancer Program researchers O'Conner, Stewart, Kinard, Rauscher and others.(3) During this program, influenza and parainfluenza viruses were recombined with quick acting leukemia viruses (acute lymphocytic leukemia) to deliver weapons that potentially spread cancer, like the flu, by sneezing. These researchers also amassed avian cancer (sarcoma) viruses and inoculated them into humans and monkeys to determine their carcinogenicity. In related efforts, Raucher et al. used radiation to enhance avian virus's cancer-causing potential. These incredible scientific realities have been officially censored and generally neglected by the media's mainstream.

Similarly, the Institute of Science in Society (IoSS) in London raised the genetic engineering question in the origin of SARS. "Could genetic engineering have contributed inadvertently to creating the SARS virus?" they asked. "This point was not even considered by the expert coronavirologists called in to help handle the crisis, now being feted and woed by pharmaceutical companies eager to develop vaccines." Those living in glass houses should not throw stones. The above emphasis is added to show IoSS they had "not even considered" intentional SARS deployment in their scientific, allegedly unbiased, purview.(4)

Conflicts short of war, like the "War on AIDS," "War on Drugs," "War on Terrorism," "War on Cancer," and now "War on the Avian Flu" require sophisticated propaganda programs employing fear campaigns for social acceptance and popular support of legislated policies. These psychological operations (officially termed PSYOPS) for "command and control warfare" (technically called C2W), experts advise, best support the emerging "Revolution in Military Affairs" (RMA). The RMA's capabilities include "a form of human slavery" in which the world's captive populations would not know they are enslaved.(2)

The RMA undoubtedly incorporates the use of debilitating biologicals and chemical agents most generously on behalf of drug and vaccine makers. A classic example is the toxic carcinogenic organophosphate pesticides deployed against human populations, said to target "mosquitoes," in the "War Against the West Nile Virus." Such "non-lethal warfare" agents, as these are militarily termed, are indeed deadly, but mortality results slowly from toxic exposures allowing more profits to be made by allied pharmaceutical and medical industrialists. Victims of the "non-lethal" exposures die slowly from chronic debilitating diseases. Expensive hospitals and long-term care facilities are virtual concentration camps. The ailments generated for "iatrogenocide" include the plethora of autoimmune diseases and newer cancers virtually non-existent 50 years ago. This fact, alone, strongly suggests a genocidal socio-economic and political agenda.

Avian Flu for Profit

In response to SARS, senior fellow at the Hudson Institute in Washington, Michael Fumento, published an economic thesis in Toronto related to the one I advance here. The "Super-bug or Super Scare," he wrote was published in Canada's National Post. Canadians were warned to "quarantine themselves," wear masks, and in some cases stay home. The Ontario Health Minister declared a "health emergency," as the media dubbed the "mysterious killer" a "super-pneumonia." Recoiling from the hype, Fumento asked and answered a few "real questions . . . How lethal, how transmissible, and how treatable is this strain?" The answers, he concluded, "leave no grounds for excitement, much less panic." The same may be said for this new curse of avian flu.(1)


At this writing, the avian flu is said to have killed "about 65 people" in Southeast Asia during the past two years! Little to no data is available on these individuals who most commonly had immune-compromising medical conditions. Further, all deaths were in Asian countries with questionable health services.

Conversely, other forms of flu kill more than 40,000 North Americans annually, generally the immune-compromised elderly.


According to USA Today (October 9, 2005), "European health officials are working to contain the [avian flu] virus, which so far has not infected anyone in the region." Although, allegedly "more than 140 million birds have died or been destroyed, . . . and financial losses to the poultry sector have topped $10 billion." This propaganda actually admits, "the current virus, known as H5N1, has not yet mutated to the point at which it can easily spread from person to person." In fact, it is likely to have never spread from person to person other than during laboratory handling!(5)


"The U.S. Senate has already approved a $3.9 billion package to buy vaccines and antiviral medications, and the Administration is also preparing a request for an additional $6 billion to $10 billion," according to a current BusinessWeek report.( 6)

"Beam me up Scottie, there is no intelligent life on this planet." This largely explains why the public puts up with this deadly deception. Even USA Today bemoans, "there is no human vaccine yet." So how come the U.S. Senate is rushing to spend all these billions for an avian flu vaccine?

I suppose we should overlook the fact that the current frightening strain of H5N1 avian flu virus has never readily jumped from human to human, and not commonly from birds to humans either. Thus, an effective vaccine can only be prepared by mutating this virus, thus creating what the world fears most. Let me explain. . . .

To make the human vaccine specific for the H5N1 mutant virus, you must start with the human virus which does not yet exist, except in perhaps military-biomedical-pharmaceutical laboratories. In fact, this is precisely what is being prepared based on news reports. To produce the human pathogen, the avian virus must be cultured for lengthy periods of time in human cell cultures, then injected into monkey and ultimately humans to see if these experimental subjects get the same feared flu. Thus, the flu virus the world currently fears most is either: 1) now being prepared in labs paid by industrialists with massive wealth-building incentives to "accidentally" release the virus; or 2) has already been prepared in such labs to take advantage of this current fright and future sales following the virus's release.

Remember, to be effective against a virus, a vaccine is said to require specificity. If authorities were to now have the main H5N1 avian flu strain feared to spread at some future date there's no assurance by the time they developed the vaccine the strain would remain sufficiently the same for the vaccine to be effective anyway due to expected viral mutations. Viral mutations over time is a function of the agent's newness. New man-made viruses, laboratory creations, like the ones currently being prepared for vaccine trials, are less stable not having evolved over the millennia. Thus, the entire vaccine effort is largely, if not entirely, a sham with ulterior motives.

Remember too, that a vaccine's reliability requires years, or at least months, of testing in the targeted population. Vaccine injury data must, or should, be meticulously collected over this period to assure the vaccine is not killing and maiming more persons than it is helping or saving. Can you seriously believe this assurance will be provided by government or pharmaceutical industry officials in this pandemic's wake? FEMA's failed Katrina response pails by comparison to this public health liability and vaccine-injury certainty.

I say "vaccine-injury certainty" because of the extensive list of newly developed vaccinations, highly touted when brought to market, that caused horrific results. This list includes the first swine flu vaccine, polio vaccines, smallpox vaccine, anthrax vaccine, hepatitis B vaccine, and most recently Lyme disease vaccine that crippled approximately 750,000 people within months of its release and prior to its recall by the FDA.

Most people fail to realize all vaccines carry a list of ingredients that typically increase human disease and death (i.e., morbidity and mortality). These include toxic elements and chemicals such as mercury, aluminum, formaldehyde and formalin (used to preserve corpses), MSG, foreign genetic material, and risky proteins from various species of bacteria, viruses, and animals that have been scientifically associated with triggering autoimmune disorders and certain cancers. A growing body of scientific evidence strongly suggests vaccines are largely responsible for increasing cases of autism and other learning disabilities, chronic fatigue, fibromyalgia, Lupus, MS, ALS, rheumatoid arthritis, asthma, hay fever, allergies, chronic draining ear infections, type 1 autoimmune diabetes, and many, many more pandemics. These chronic ailments are said to require long-term medical care for the patients' management causing toxic side effects resulting in America's leading killer--iatrogenic disease. That is, vaccines and other pharmaceutical industry inventions are literally killing or disabling millions with little effort on the part of government officials and their drug industry cohorts to arrest this scourge.

For all we know, governments are ordering an avian flu vaccine that will precisely deliver this pandemic to the world to affect population control. Absurd thesis? Read on.

[Continued in Part 2 ~ including references]

Last Updated ( Thursday, 24 November 2005 )

Russ Miles is author of the novel, For Sale By Owners:FSBO. A Seasoned Real Estate NAR Broker, disabled by Multiple Sclerosis, Russ writes books & articles on varied subjects. FOR SALE BY OWNERS:FSBO ISBN 0-595-28703-4,in trade paperback, is available by phone or Internet:1-800-Authors to order direct! Adobe e-book & hard cover editions also available at at Barnes and Noble and other fine booksellers. Comments: Please visit Russ Miles's website for other informative features, health cocerns, and information of interest.

Pip in Forex Trading The Final Hit

In general terminology the abbreviation pip may refer to many things like Protective Industrial Products, Picture-in-Picture, Personal Identity Provider, Partners in Protection, Preferred Internet Provider, Performance Index Paper etc.

In currency trading pip stands for percentage in point. This is the smallest increment of change in forex trade. It is the smallest number in quotation of a currency.

In foreign exchange market, rates are quoted to the fourth decimal point. For example, if the price of a burger in the market is $1.22, in forex market the same burger will be quoted as 1.2200. Under this example, the 4th decimal point will constitute one pip and normally equals 1/100th of 1%.

The above is the general rule. Exception to this is the quotation in USD/JPY which is only up to 2 decimal points. This is because Japanese Yen has not been revalued since Second World War. Thus in case of Yen, the quotation is only up to 1/100th of yen as against 1/1000th with other major currencies.

All other currencies in relation to Yen will be quoted up to 2 decimal points. The usual pairs will be AUDJPY, CADJPY, CHFJPY, EURJPY, GBPJPY etc.

Other factors that go in the understanding of a pip are trading size, extent of leverage and rate of a currency pair. In case of USD, with a leverage of 1:100 and trading volume of one lot, one pip will have a value of $10.

The above will be the minimum incremental value by which USD will fluctuate. Thus, if there is a one pip change, that means one has gained or lost $10.

One pip value for one lot in USD will be equivalent to $10 in case of all currency pairs not involving JPY. Where JPY is the other currency in a pair, one point value will be equivalent to $1000 / USDJPY rate.

Closely associated with pips is the spread. This is the difference between bid price at which a forex broker is willing to buy the first currency of a pair and the offer or sell price at which he is willing to sell the first currency of a pair. The difference between bid and ask prices is the spread.

If EUR/USD is quoted as 1.4205/1.4207, the spread will be equivalent to EUR 0.0002 or 2 pips. The size of a spread depends upon the popularity of a currency pair. The more popular a pair, smaller the spread and vice versa.

Pip spread may be better for major players which trade in large quantities as compared to retail or individual traders. Spot prices on EUR/USD are usually no more than 3 pips wide (0.0003). With increased competition, pip spreads have shrunk on major pairs to as little as 1 to 2 pips.

Please Follow This Link For more information, Free Forex Guide and Free Sign Up

Thursday, September 27, 2007

It's Official: Inflation is Back! (And it may be worse than you think)

Inflation is back. It's official, and you can blame costlier gasoline and other fuels. The tab for common services like a hotel stay and garbage removal are jumping too, as is the sticker price on packaged foods and many other household items. Companies are finding that they can pass on part of their soaring raw-material costs. There is a general consensus among American economic circles that interest rates are on the rise. And this concern is beginning to spill across the border into Canadian economic circles as well.

Typically there is an inflation that the government measures and the 'other' inflation that we are all used to feel but cannot see. Inflation that we all feel but can't see comes in many forms. For example, real estate prices have gone through the roof, so cash buyers are paying through the nose. Borrowers are increasingly resorting to floating-rate and interest-only loans, especially in the U.S., which all but guarantee that they will pay more over the life of their loans. But Canadians are poised to follow suit with the spread of the ever more popular 'Powerlines' and credit cards secured by real estate which, once again, have the deleterious effect of keeping you into debt for the rest of your life.

We all face notoriously soaring insurance premiums, deductibles and co-pays as employers shift more of the burden onto employees. Here in British Columbia, for example, Strata insurance premiums have more than doubled in the past year, with strata corporations - especially the financially weak - having no choice but to allot the extra cost to individual property owners.

Even Alan Greenspan, the once revered and now outgoing Chairman of the Federal Reserve Bank, is coming under fire. Once known as the 'Maestro' for his impeccable talent at predicting economic behavior, and after being treated like royalty for presiding over the longest economic boom in the nation's history, Greenspan is now being accused by a small but vocal group of economists of presiding over the U.S.'s high consumer debt, low personal-savings rates, declining dollar and potential real estate bubble. And all this comes at a time when the U.S. is dependent more than ever on foreign money to sustain growth.

The dependence on foreign capital, Asian in the West and European in the East, is a great source of concern for Canada as well. As China is becoming a major economic player and is fueling its own economic growth, and as Europe is coming to grip with the reality of an oversold, overstrong, overvalued Euro compared with the relative weakness of many European economies, the worry is that this foreign injection into the Canadian economy will soon evaporate, thus leaving domestic growth without fuel .... the typical Mercedes without gas.

So where does all this leave mundane folks like you and I? All I can tell my readers and real estate aficionados of my blog is:


Luigi Frascati

Luigi Frascati is a Real Estate Agent based in Vancouver, British Columbia. He holds a Bachelor Degree in Economics and maintains a weblog entitled the Real Estate Chronicle at where you can find the full collection of his articles. Luigi is associated with the Sutton Group, the largest real estate organization in Canada, and is based with Sutton-Centre Realty in Burnaby, BC.

Luigi is very proud to be an EzineArticles Platinum Expert Author. Your rating at the footer of this Article is very much appreciated. Thank you.

An Introduction to Currency Correlation

Global currencies dont ride the trends in isolation. The apparent technical movement between two currencies in a pair may cause an effect in the behaviour of each separate currency. A third currency will also have some bearing on the rise or fall of a seemingly unrelated pair, in the view of an intermediate or beginning trader. Even seasoned trend cowboys may miss the odd significant event that results in a trade loss.

Technical analysis often comprises the bulk of the independent speculators trade decisions, but some attention to fundamental news must be included for a complete overview of what is happening in the market at that particular moment. Neither weather, beetles, drought, hostile takeovers nor indicted CEOs have much real bearing on currency values, but the timing of the release of economic reports should determine if a trade is viable or not.

A rising tide raises all ships, but the trading ocean is made of waves, with deep troughs and high crests. A rising ship may have a tether to another that is dropping down the other side of the swell. As one currency in a trade pair rises, it may pull another currency up with it, or just the opposite. A drop in the Euro may allow an increase in the value of the GBP, which will certainly have an influence on the USD/GBP spread.

So when considering the merits of a good trade, also take into account the activity of each currencys most closely related cousin. When trading the Canadian dollar, you must certainly consider the relative movement, or lack thereof, in the US dollar. Canadas largest trading partner is the US, so fluctuations in the US economy may or may not have an effect on the Loonie, depending on the gravity of the news.

The UK maintained their own currency, the British Pound, but the economic business of Europe can still influence the directional trend of the Pound Sterling. The French Franc will also be swayed by the enterprise of the communal Euro. As you analyze your charts, take care to make a quick examination of any volatile activity in any similar currency.

The average day trader and individual speculator cannot possibly keep up with all the economic news released each day and still have time to trade and eat lunch, and old news has already shown itself in the charts. One must pay attention to important published economic developments, and generally avoid trading on report days. But the trend will indicate market sentiment, and great profits can be made by keeping the major focus on technical analysis.

International bankers and currency houses have developed complex mathematical models to track currency correlation, but these are beyond the scope of this article. In summary, just check how related currencies are trending, when preparing a trade. Another quick analytical tool for the traders arsenal is always a good thing. May your winners run long.

Kelly Archibald is a serious student of Technical Analysis Strategies. To discover techniques to target the trends with laser-like precision, visit his website at

How To Get Tax Sale Lists for Free

Once you know when the tax sale is coming up in your area, you need to get the list of properties that are in the sale. I use to find tax sale property lists online for tax lien and tax deed sales. This only works for counties that have this information online. For counties or states that do not have this information online, you can either call the tax collector and ask how to get the tax sale list or you can buy the tax sale list from a tax sale list provider. To find out which counties have tax sale information and tax sale lists online, you can consult my State Guide.

To go to the countys web site, first go to and click on the link to find a county. This will bring you to a page with a map of the United States. Click on the state that you are interested in and youll be taken to that states web page with a list of all of the counties in the state. Find the county that you are interested in and click on that link. You will be taken to the NACO page for that county. Click on the link to the county on the top of the page and you will go to the countys web site. Note that this will only work if the county has a web site.

Once youre on the countys web site, look for a link to the department or county office that is responsible for conducting the tax sale. For most states, this will be the county treasurer or county tax collector. If youre not sure who is responsible for the tax sale in your state, then consult my State Guide. Once you get to the web site of the person or department that conducts the tax sale, look for a link to a list of tax sale properties. For larger counties, you can usually find this online. The exception to this is the counties in the Northeastern states. A lot of the Northeastern states do not have county tax sales. Instead the tax sales are conducted by the municipality, so instead of looking for the county web site, in Vermont, New Hampshire, Maine, Rode Island, Connecticut, Massachusetts, and New Jersey, look for the municipal tax collectors web site not county web site. New York has both county and municipal sales in some counties.

If you cant find the tax sale list that you want online, you can always buy a list from a tax sale list provider. Even if you can find the tax sale list online for free, you still may want to purchase the list from a tax sale list provider. Thats because the list that you get from the tax collector does not always have the information that you need. Frequently it will only have a parcel ID number, owner name, and amount due. What you want to know is what is the address of the property, what is the assessment and value of the property, what type or class property is it, and how big is the property. All of this (and sometimes even more information) is included in the detailed list that you can get from tax sale list providers. I talked about some different tax sale list providers in the last podcast episode, How to Find Out About Tax Sales. You can listen to that episode to get the names and urls of tax list providers for different areas of the country. Purchasing a detailed tax sale list from one of these companies will save you a lot of work in doing your due diligence.

Joanne Musa is a Tax Lien Investing Coach and Consultant who works with investors who want to learn how to buy profitable tax lien certificates and tax deeds. She is the president of Tax Lien Consulting LLC, a consulting firm for tax lien investors. She is the author of the e-books: Tax Lien Investing Secrets and Tax Lien Lady's State Guide to Tax Lien and Tax Deed Investing, available at

For more tips on investing in tax lien certificates send an e-mail to

Wednesday, September 26, 2007

Why Forex Market?

Forex, FX and the Forex market are some widespread terms you would have heard for the Foreign Exchange market. In fact it is the major economic market in the globe, where currency is vended and purchased liberally. In its current situation the Forex market was started in the seventies, while free swap rates were initiated, and only the members of the marketplace decide the cost of one currency next to the other happening from requirement and supply. To the degree that the liberty from any outside control and free rivalry are concerned, the Forex market is an ideal market.

With an every day income of over trillions of dollars, the Foreign Exchange market carries out more than two times the collective quantity volume of the United States Equity and Treasury markets amalgam. This market is an over-the-counter market were purchasers and disbursers carry out foreign exchange trade by making use of different modes of communication.

Forex market doesnt have any bodily location or central swap. Because the Forex market dont have a bodily exchange, the market actually trades without any stoppage moving to each of the worlds chief fiscal centers everyday. The activity which takes place is for about trillions of dollars. From year 1997 to the conclusion of year 2000, every day Forex trading quantity rushed around from US$5 billion to US$1.5 trillion and extra. It is actually hard, if not unfeasible; to decide a completely precise numeral since business is not federalized on a swap. But one main thing is confirmed that the Forex market persists to grow at an extraordinary rate.

Previous to world meeting advancements of web, only huge corporations, international banks and rich person possibly will trade currencies in the Forex market by utilizing proprietary trading systems of banks. These systems needed to the extent of US$1 million to start an account.

Forex trade is a continuous market where currencies of different nations are sold and purchased. This is usually done via Fx brokers. Foreign currencies are continually and at the same time purchased and vended across local and global markets while traders augment or bring down worth of an investment on the movements of the currency. The market conditions can alter anytime in response to real-time events so it is also measured to be an extremely unstable and easily broken market too. Conditions of the Forex market is never stagnant they keep fluctuation per second.

For business persons, Forex trading offers a substitute to stock market trading. Here are not many choices as stock market, just have to choose from the few chief currencies such as the Dollar, Yen, British Pound, Swiss Franc, and the Euro are the most accepted and popular. Forex trading moreover offers a lot more influence than stock trading, and the investment of smallest amount to get on track is a lot minor. Besides that the aptitude to pick trading hours according to your flexibility (as it goes 24 hours a day) and now you may learn that why stock traders have jumped to trade currencies.

Uma is a Copywriter of Forex Trading She written many articles in various topics such as forex day trading,forex trading system. For more information : contact her at