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Techie Ways To Make Trading Easier

A lot of folks think that trading on the stock market is only for those will to do the blue coat and get into the bear pit at Wall Street. They see it as an elite activity, not something that anyone can do. But with lots of technical developments in recent years, it is becoming more and more accessible and easy to do. Read on to find out more.

Learn your craft

First of all, it is necessary to realize that trading is a skilled activity. That doesn’t mean that you can’t do it, it just means that you have to learn about what you are doing before you jump in with your own money.

There are several ways to do this. The first is using the internet to get information on how each different market work. The better you know the market you are trading in, the easier it will be for you to make the quick decisions that trading requires of you.

The second is to get some experience in before you start to trade with real money. You can do this by opening a practice account either online or through a mobile app. This lets you make the investment decisions with pretend capital. So you can really get a sense of how things work with minimal risk.

Do you research

Next, you can make trading a lot easier by doing your research and due diligence on the companies and markets that you are looking to invest in. Remember knowledge is power in this equation, and it’s important to seek out objective advice and recommendations on particular markets and businesses. Luckily there is a wealth of this on the internet.

Of course, you do have to be careful not to cross the line into insider trading. Something that is seen as highly unethical in the stock trade and can land you in a whole heap of trouble.

Keep in the loop

Next, to trade in stock, you need to have your finger on the pulse. To do this effectively, you will need to do a few things.

Firstly, ensure that you have an active line of communication to your trading business. To do this get a separate line for your trading phone calls, so you never miss any. Also, check the reliability of your phone and internet connection and providers, as any delay however small, can mean the difference between profit and loss.

You can even speed up the way you receive your paper post by getting a virtual PO box. A surprisingly cheap way to stay in the loop. Investigate some of the best price postal box options, as services like this will allow your mail to be scanned and then sent to you via an Android or iPhone app. So you always have the information that you need, even when you are on the go.

Use IT to help

Lastly, you can also make trading on the stock market easier by using app or program to help you keep track of your investment and the markets.

They provide a dashboard so you can see everything easily all in one go, and some of them have recently started offering these service without a transaction fee. Making things cheaper as well as simpler.

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Ditch The Glitch: Business Mistakes No Modern Company Can Make

One of the biggest faux pas a business can commit in the 21st century is to be behind the times. The moment your company gives off an air of not quite being up to date; its finger just slightly off the pulse, can be the beginning of the end. Modern consumers are ruthless. They are also offered a variety of options at every turn, so if they sense you’re not keeping up, then they’re more than happy to decamp elsewhere.

There are a few signs that can make customers nervous about just how future-proof your business is. They might only seem small to you – innocuous, bordering on the point of being irrelevant – but they can be interpreted in worrying ways by your customers. To ensure you’re keeping pace with the cut and thrust of the modern business world, you need to be absolutely certain to avoid the following catastrophes that can signal doom…

1) IT Failures 

Yes, computers are difficult, temperamental machines that will occasionally pitch a fit that will have the entire office screaming at them. Sometimes, things will go wrong – that’s inevitable. Most companies utilize so much tech these days, it’s a wonder we don’t lose more productivity as a business community every day.

So while your customers are likely to be able to acknowledge the inevitability of tech problems, what they won’t be able to move past is a poor response to those issues. If someone has to call three times to get an order made, they’re not going to call back a fourth time. They’re going to go to another business who has an IT support company and sufficient workaround models to cover themselves for any problems.

In the event that your tech does let you down, what you do next is crucial to deciding how your company will be perceived. Are you quick to a solution, back up and running within a few hours? Or do you dawdle, seemingly creeping further behind the times with each passing minute?

2) Poor Social Media

You need business accounts for all of the major social networks: Twitter, Facebook, and Instagram. There are others to consider, but those are the major ones you need to get ticked off.

You then need to ensure that you are using them. Think of it from a customer’s point of view. They find a new company – your company. You have something that would be of use to them. They want to order but, as a savvy 21st-century customer, they know to check the company out first. They head to your Twitter, where they find a few solitary Tweets from 2012. It’s not a good impression.

You don’t have to be updating your social media constantly; every couple of days with brief news about what the company is up to will suffice. Anything to prevent giving the impression that you setup the accounts as you knew you should, but you’ve yet to actually figure out how to use them.

3) Antiquated Practices  

There are few things that can let a company down quite like doing things that are now becoming antiquated. What falls into this category?

  • Not accepting credit and debit cards, at the very least. In the next couple of years, you can also add not being able to accept payments from phones or contactless cards onto this list – though these haven’t quite become essentially mainstream as of the time of writing.
  • If you sell items online, then you should be offering to pay the cost of any returns. Customers have become used to online companies offering free returns, to the point they will be extremely skeptical about buying from a company that doesn’t offer free returns. Being able to afford this should be structured directly into your pricing strategy.
  • Being out of contact. If your customers or clients have a problem, they’re going to want to talk to you about it – and they’re going to want to do it quickly. You can’t just throw up an “out of office” email or ignore messages beeping on social media. With a modern company, you have to be willing to be able to respond to any issues within 24 hours. Anything else just looks old-fashioned, quaint in a way, but definitely not something many customers will be willing to deal with.

There is little doubt that when it comes to keeping up with modern business trends, you have no choice: you keep up, or your business will fail. On the upside, taking care of all of the above will inevitably means your business runs better too – and who can resist the idea of that?

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What To Know About Investing in Bonds

Bonds make up the largest securities market in the world, and this is an area that provides extensive opportunities and options. There are some definitive advantages to investing in bonds. Some of the benefits of bonds include the fact that they have less volatility than stocks in most cases, but if you’re looking for significant returns, you’re better off going with a riskier investment strategy, because bonds tend to underperform most stocks over the long-term.

Bonds are often favored by older investors and people who are nearing retirement because they allow them to preserve capital and earn regular income, but for younger investors, they might go another route to earn more capital.

Along with these factors, the following are some important things to know about investing in bonds.

What Is a Bond?

A bond is a loan made by the holder to the issuer. Usually, bonds are issued by governmental organizations, corporations, and municipalities to get capital when they need it. If you’re an investor buying a government-issued bond, you’re essentially providing a loan to the government, and the same goes for buying a corporate bond.

You earn money because as with any loan, the borrower is paying interest as they repay the loan. The principal has to be repaid by a certain time, which is known as its maturity date.

The Role of Interest Rates

Interest rates play a significant role in the bond market. Recently there has been a lot of attention placed on the Federal Reserve, in particular, because of their likelihood to raise interest rates in the coming year, possibly several times.

Investors should realize that this can impact their bonds. The price of bonds tend to go up when interest rates fall, and the prices go down with rates go up. There’s an inverse relationship, so a portfolio made up of primarily bonds could be impacted by rising interest rates.

Municipal Bonds

One of the most popular types of bonds to invest in are municipal bonds. Municipal bonds are issued by state and local governments, and these loans are usually obtained by these governmental bodies to finance construction projects and deliver services.

One of the primary benefits of municipal bonds is that they have higher interest rates than U.S. treasuries, and they also have a pretty low level of risk associated with them.

Another advantage of municipal bonds are the tax benefits they carry. These bonds are exempt from federal income tax, and if you’re a resident of the issuing state, also state and local taxes.

Despite the many advantages of municipal bonds, there is a risk that comes with the potential for local governments to default on their loans if they see a decline in tax revenue.

Credit Quality

Another factor that can impact the price of bonds is the credit quality it carries. Credit ratings are assigned to the borrower of the bond, and they range from AAA to C. If there is a higher likelihood that an issuer is going to default, they’ll receive a lower rating.

Investing in bonds can be part of a larger portfolio strategy to balance risk, although it’s not necessarily the best option for younger investors who want to grow their wealth, and is more advisable for older investors who are getting close to retirement or who are in retirement.

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Stocks and Shares: Crucial Advice for the Novice Trader

Trading stocks and investing can be difficult to get into. There are plenty of guides and tips online, and you could attend classes to study for it, but they can never prepare you for the real-world situations that occur on a daily basis for traders around the globe. To get you started, here are some tips that are proven to help improve your success and turn your curiosity into a job you can do from home.

Don’t Trade With Money You Can’t Afford

It sounds like a gambling tip, but it applies to trading as well. Never trade with money that you can’t afford, and never take big risks that you can’t afford to take. Always set aside money that you’ll keep for your retirement or another goal, and use a smaller amount of money to deal with trades and investments.

You should never make huge gambles when trading. Always focus on small trades and always pull out when a situation looks dire. A successful trader gains income not by making huge investments with a lot of pay, but by knowing when to pull out of a losing battle. Always set an amount of money for the day and never go beyond it. You need to be disciplined and you need to work up the ladder slowly, never take great strides and don’t treat it like gambling.

Quality vs Quantity

Make sure to concentrate on a few stocks at a time. You don’t need to own hundreds of cheap stocks that you can’t keep track of. Instead, you should focus on safe investments that have a high chance of giving a good return. Never bite off more than you can chew, and always stay on top of your investments.

Once you’re comfortable with trading and you can keep tabs on multiple stocks, you can start to take on bigger investments and start to reel in more profits on a daily basis.

Be Patient

Income from trading has to be accumulated over a long period of time. You can’t expect to start trading and make huge profits like you do in gambling. Focus on small and profitable trades, and make sure they are safe low-risk trades. If you want to invest in a risky trade, then don’t pour all of your money into it and treat it like an all-in bet.

Experience is also a major factor when it comes to trading. You shouldn’t hate yourself for failing to a make profit after the first week or if you invested into a trade you thought was safe but ended up going bad. Learn from your experiences, and stay motivated. There are many websites where you can look at other people’s experiences, such as The Fortunate Investor. You can learn from professionals that have made trading their main source of income, and the insight they offer is invaluable to your success.

Relax and Take Care of Yourself

Trading can be stressful just like any other job. In fact, when it’s your personal money on the line, it can be even more demanding than your regular day job. Make sure to stay healthy, exercise regularly, eat proper meals, and always prioritise your health over the job. Your money can come and go, but your health will always stick with you.

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Taking Stock In Your Company: The Rules For Business Trading

If you are interested in being a successful trader in business, there are a set of rules that it is recommended to stick to. I could give a lot of general advice in this article about “cutting your losses”, or “work the market”, but it is not conducive advice to give general platitudes. So, what I aim to do is to give you some ground rules to follow. If you are a new business, startup or SME then this information would benefit you greatly.

To be successful in trading, following set rules that have helped with a diverse amount of trading account sizes. Each rule alone is important. But when they combine the effects are much stronger. Trading with these rules can greatly increase the odds of succeeding in the markets.

Use A Trading Plan

To the uninitiated, a trading plan is a written set of rules that details  a trader’s entry, exit and money management criteria. Using a trading plan allows traders to do this well.

A way to test if a trading plan has legs, is to apply what is called backtesting. This is applying trading ideas to historical data. Doing this allows traders to determine if a trading plan is viable, and also shows the expectancy of the logic of the plan. Once a plan has been developed and backtesting shows good results, the plan can then be used in real trading. The best approach is to stick to the plan. Taking trades outside of the trading plan is considered poor trading, even if it is a successful trade. This destroys any expectancy the plan may have had.

Learn All You Can From The Markets

Traders need to remain focused on learning more and more each day. A lot of trading concepts require prior knowledge. So, it is important to remember that understanding the markets is an ongoing, lifelong process. If you are new to the markets, start with the basics. Use a site like Invested Reviews to give you a basic understanding before you progress. Or start with small fry, like penny stocks. Trading with smaller amounts can give you that confidence to build up experience and knowledge.

Know When To Stop Trading

Like when you are at the roulette table on winning streak, you need to know at what point you are going to walk away from the table. An ineffective trading plan can be the cause of this, and the other cause can be the trader themselves.

The trading plan may not be up to muster because of a change in markets, volatility in a trading instrument or simply the fact that the plan is not good enough.

If the trader is being ineffective, this could be due to external factors, for example, stress. A trader needs to be functioning at a high level to be able to cope with these external issues. A solution may be something as simple as taking a break and coming back to the table with a fresh perspective.

Using these basics, you can start to trade with confidence.

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How Successful People Make the Most of Their Limited Funds

There’s a common misconception that only people with the most money can make successes of themselves. That really isn’t the case, and many businesses started out with nothing in the early days! The brains behind these operations have used smart techniques to make the most of their money along the way. When disaster has stared them in the face, they’ve been able to get around it. When opportunities have presented themselves, they have found ways to take them without spending over the odds. Read more

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4 Ways to Manage the Growth of Your Digital Business

Do not wish freewheeling growth for your digital business. Any kind of growth should be carefully managed. If your company grows too fast, you will struggle to keep up with the demand and will eventually lose customers. Likewise, if your company grows too slow, you will lose potential customers and disappear from the public’s eye. You should grow your company moderately, attracting new customers, and addressing concerns of existing customers at a rate that your employees can handle. Here are a few tips to manage the growth of your digital business: Read more

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Great Resources To Learn More About Penny Stocks

When it comes to penny stocks, there is just so much to keep informed on. Even if you’ve been in the business for longer than you can count, there are always new things to learn. Check out this quick guide to 7 great resources where you can learn everything you need to know.

Penny Stocking 101

Timothy Sykes has been trading in penny stocks for more than 15 years. Over on his website, he has a great guide for beginners. It’s free and is a great refresher even if you already know the basics. Alternatively, because it’s so accessible and simply written, it would be great to send to any friends or family members who want to know more. The guide has sections including “Your Penny Stock Trading Mindset” and “Penny Stock Terminology”. You can find Timothy’s guide here.

This Huffington Post Article

Once you’ve checked out Timothy’s advice on his website, head over to The Huffington Post. Here he has written the article “The 10 Best Stock Market Books You Should Be Reading”. The list includes a book on the unusual success story of Nicholas Darvas. It also features “Confessions of an Economic Hit Man” by John Perkins, which apparently took 20 years to write. This list was only just compiled in November 2015, so will be current.

Market Watch

Market Watch is a very reliable name and brand. They produce some of the handiest articles, news pieces and guides out there. They range from beginner level, and articles like “10 Ways To Trade Penny Stocks” to business and investment news.

How To Trade In Penny Stocks For Dummies

If you like your information the old-fashioned way, in the form of a hard-back book, you’ll like this. The Dummies brand is well-known for its sense of humour and comprehensive coverage of topics. This book promises “guidance on identifying growth trends and market sectors positioned for rapid growth” and more. A word of warning, though; the most up-to-date version of this was printed in 2013. So, while this book is fine for a general overview, you may want to look online for more current trends and information.

Money Morning

Over on Money Morning, you’ll find an entire section dedicated to Penny Stocks. Here, you’ll find a comprehensive list of some of the best articles being written. These articles are also up-to-date, something that is crucial. “How to Pick the Best Penny Stocks in 2016” is one such example of this.

Financial Times

One of the biggest names in the financial world, the FT is a one-stop shop. Not only will you find Penny stock information, but you’ll also find a whole world other related resources. There are sections for topics like Personal Finance, Emerging Markets and Global Economy. These will help widen your knowledge of the marketplace even further.

And, finally…

Right here at Club Penny Stock, of course!

Club Penny Stock has been in the game for ten years. You can get a free subscription to our

Penny Stock Alert Newsletter; there is more info on this page.

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The Sloppy Investor: Common Investing Mistakes And How To Avoid Them

The world of investment is a dangerous place. Yes, there is a real chance that you can make a lot of money and get rich. But, there is also a chance that you could lose everything. The last statement is not supposed to scare you from making an investment, far from it. What it is supposed to do is make you aware of the hazards of making the wrong decisions. There are plenty of cases where potential investors get it wrong because they make mistakes, and you don’t want to be one of those people. Here’s how you can avoid the mistakes and make your investment successful. Read more

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China Telecom Shares Fall Amid Probe Into Boss

Hong Kong (AFP) – Shares in China Telecom dropped as much as three percent Monday after news its head was under investigation, the latest high-profile target in a corruption crackdown.

The firm, one of China’s big-three telcos, saw its shares trade as low as HK$3.62 ($0.47) on Hong Kong’s bourse compared to the previous closing of HK$3.73.

At Monday’s close the drop had narrowed to 1.34 percent, with the shares ending at HK$3.68.

The probe into Chang Xiaobing for “severe disciplinary violations” was announced by the Central Commission for Discipline Inspection, the watchdog of the ruling Communist Party.

The term is normally a euphemism for graft.

Chang had been “taken away”, according to an article in the respected business magazine Caijing, adding that he disappeared just days before a meeting of the state-owned company planned for December 28.

Chang’s phone was switched off and he had not responded to multiple calls, it added.

“Since last year, when the authorities were probing oil companies, we knew they would be doing this for other sectors. Now it’s telecoms,” financial analyst Jackson Wong from the brokerage firm Simsen Financial group told AFP.

Wong said investors were moving cautiously pending further details of the probe.

Authorities have been pursuing a hard-hitting campaign against allegedly crooked officials since President Xi Jinping took office in 2013, a crusade that some experts have called a political purge.

After a stock market rout this summer, the nation’s financial sector was under the spotlight with several high-level executives reportedly being hauled in.

Billionaire Guo Guangchang, dubbed China’s Warren Buffett, disappeared from public view earlier this month amid reports he had been detained by police in Shanghai.

He briefly resurfaced afterwards but his conglomerate flagship Fosun confirmed the 48-year-old was “assisting in certain investigations” by Chinese authorities.