forex fire

Lisa and I walked 5 miles around Boston to celebrate our wedding anniversary. The Swan boats, Italian food in the Northend, a new “doo” for Lisa on Newbury Street, and new summer sweaters for me(”About time you got some sweaters with bright colors!”, Lisa said).

At Fanueil Hall Marketplace we watched “Formerly known as ‘Jim the Juggler,’ now known simply as “Jim, from The Jim Show.” Jim does daffy juggling as children giggle and parents laughed (we laughed and giggled). Jim balanced on a large beach ball while juggling.
I cannot stand on a beach ball nor can I juggle. Yet every morning my brain attempts the economic juggle, a dance registered investment advisors do in their office (privately). No need to mention the balls required, but here is an outline of what each ball lofted represents.

Each subject has current relevance, especially when the market movers sell more stock than they buy. I will define and explain the relevance in my opinion.

• Interest Rates
• Bond Rates
• Inflation

Other influences driving the stock market have aggregate affect, but individually lack market-moving clout. So, let’s look at what each subject means to the market.

Interest Rates: Lisa’s grandmother laments about the Bush administration while she longs for Jimmy Carter. “Those were the good ole days when the banks paid you for investing!” She remembers a call from a Florida stock broker offering her a 15% return on her $25,000 deposit. Of course, she and “Pa” never calculated their real rate of return (The inflation rate from June 1986 to June 1989 was 13.33% leaving 2.67% pre-tax real-rate of return)

Interest rates and inflation are the horse and cart of the economy. High Interest rates do not guarantee low inflation, nor that Lisa’s grandmother gets a “good-return” on her money. However, higher interest rates manage economies by affecting borrowing, corporate expansion, merger/acquisition activity (notice it slowed down on June 5, 2007), and currency values (U.S. dollar versus the Yen, as an example). Finally, the stock market dislikes high interest rates because there is less risk when buying bonds. You still with me?

News Flash! “Tracy Withers reports that “New Zealand’s central bank unexpectedly raised its benchmark interest rate to a record 8 percent, saying housing demand and consumer spending are fanning inflation. The currency rose to a 22-year high”

“Skellerup Holdings Ltd., which exports rubber goods used in medicine and irrigation, this week said full-year profit will fall by 34 percent because of the currency’s gain. The company is planning to stop some local production and fire workers because it is cheaper to make goods overseas, it said.”

Interest rate increases control inflation and can instigate sector recessions.

2. OK. On to Bond values. The bond market is all about the “cost of money”. Cheap money means mortgages, corporate buyouts, and stock market opportunity.

How come the bond market does not control interest rates? Perhaps because there is no immediate consensus, and bond traders might not consider inflation’s nasty economic slaps the way Federal Reserve Bankers do. Federal Reserve Bankers line their jackets and underwear with fabric imprints reading “Inflation”. Nothing matters more. At the Federal Reserve Bank water cooler, it’s all about inflation.

Bond traders are not numb to economic indicators. Sell-off’s in bonds push interest rates up and bond values/prices down. Bond traders don’t take risks with an greater courage than you or I. No one wants to lose money.

Joseph Keating, Chief Investment Officer for First American Asset Management thinks bond yields are now giving “competition” to stocks. Investors are observing bond yields, and consider bonds the “safer bet”. Stock buyers need a “premium” when buying stocks due to stock risk. This is known as “stock risk-premium”. When risk premiums are high, bonds fly.

Supply and demand drives pricing. So when bond buyers are attracted to higher yields, pricing gets tighter (bond prices go up and bond yields go down). This bond buying brings lower yields or lower interest rates in the bond market. Lower interest rates in the bond market decreases the risk premium making stocks attractive. When risk premiums are low, stocks grow. Fascinating, don’t you think?

Bond traders tend, in my opinion, to give weight to economic growth rather than to the value of the dollar. Dollar values may tell us more about inflation than any other indicator. Every commodity in America (and the dollar is no longer a commodity) is dollar-priced. If the dollar is down in value against other currencies, does it suggest that prices are inflated? Does this mean that someday, holders of the dollar will want more for what they can get with their lower-valued dollars? It seems so.

Inflation: No wonder the “Fed” worries about inflation. The insidious affect gets little attention from the public, but the result devastates buying power.

Tracking inflation started in 1914. Not much relevance tracking inflation from 1914 to now. However, we could try it from January 1997 to January 2007. From then to now, the inflation rate is 27.14%.
Now, let’s calculate what that means to your spending power. We can calculate the affect of inflation: $1+($1 x .2714)= $1.2714 or $1.27. This means your investment account per thousand must earn at least $270 more per thousand just to keep up with inflation.
The current Inflation Rate is 2.57%.

“Inflation causes reduced consumer spending, it squeezes profit margins,” said John Kornitzer, who manages $6 billion at Kornitzer Capital Management in Shawnee Mission, Kansas. (Bloomberg.com, U.S. Stocks Retreat on Inflation Concern…, Michael Patterson)

What do you prefer? High interest rates or low inflation? Juggle them if you can; for me, logic recommends asset allocation.

As a registered investment advisor, Ray Randall provides clients with tools to manage risk control as clients work toward investment goals. You may read more about him at Ethos Advisory.com Ray also manages the article bank and resource directory found at Echievements.com. Would you like to know how much risk your temperament permits? Fill out a request for a no-cost report on the Ethos Advisory Services contact page.

One day, not long ago, I was looking back on my experiences in the last 5 years and I came to an astonishing conclusion. I worked in a day job for most of my life and the long hours and small hourly rate helped me keep food on the table and keep a dry roof over my families head, however I clung to that fake security for many many years for absolutely no benefit at all. Looking back, I was washed around by the whims of the business owners who I worked for like I was in a turbulent sea.

I worked hard for these companies that owned my efforts for 8 to 10 hours a day 6 days a week. I knew even back then, that my efforts were paid at a fixed hourly rate that gave me a blanket of security, knowing that pay check would be there each and every week. I knew deep down that my efforts and skill was paying them triple or quadruple what I was getting but getting that steady pay check was always somehow a much more valuable proposition to me.

When I pushed my little boat from the shore (for the 5th time mind you, I had tried several business attempts before things started to work for me) I realized this time I would make it work and the following 3 points outline why this final attempt actually did work. Owning your own business truly is the best way to make easy money, because you are not being used by somebody else as leverage. You get direct access to the source of the business, the customer. Corporate money is a different world from hourly paycheck money. The ordinary individual would even feel guilt and consider they are being dishonest for getting so much money for such little time and effort. The average person has no real idea how real money is made because they pin the money they earn to an hourly rate. They cannot distinguish the difference between hourly money and solution money.

Solution money.

In the corporate world, a company that has a need will pay high funds (high funds is another way of saying “pay through the nose”) to get a problem fixed. It is all about the numbers. If you have high funds and you encounter a problem that you cannot resolve that stops you from earning gigantic funds, you are not going to quibble about a few hundred thousand dollars in an afternoon. Solution money is a world apart from hourly money. Solution money has nothing to do with time spent or effort exerted. Solution money is about fixing a problem that you currently have and if you find someone that can fix it for you in 10 minutes, then you will pay. That is how solution money works in the corporate world and that is why your hourly rate is nothing to a corporation earning solution money from employing your efforts.

To make easy money, like just about every single successful corporation on the globe does, all you require is to find problems that wealthy people have and solve them. That is it! Whether it takes you 3 minutes to solve or 10 days does not really make a difference to the asking price you request. Solution money is not time Dependant, but it is value Dependant. So if your solution does the job, it matters little how little time or effort you expended.

Getting away from the hourly pay mindset was the first step to my awakening. You may be wondering how little old you can get access to large paying corporations that have problems but really, that is not the question. The question is what do you have to offer and begin your search in that arena. Remember.,..David kicked Goliaths butt with a sling shot.

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There seems to be so many ways these days for people to make money online. But do these ways work? If you search the internet for new ways to make money online, you will find thousands, and I mean thousands of search results. About six months ago, I was sick and tired of being sick and tired with my JOB. So I decided to take a look at what was out there. I thought what could be better than working at home in my comfy chair and making thousands if not millions a year. Well, that is what most of them claim isn’t it??

One day last winter, I decided to get really risky and quit that JOB that I was sick and tired of and put some of these ads to the test. First, I tried a brand new ground floor opportunity that they told me I would make thousands of dollars a month. Well, that didn’t happen. This company had some real well known internet gurus involved and they were bound and determined to make big bucks. The problem was that the little people (like myself) had to invest hundreds and hundreds of dollars to get started and put hundreds and hundreds of dollars into marketing only to find out months later that the gurus were the ones making all the money. Needless to say, I didn’t make a dime and put more money than I could afford into it.

I tried a couple other work at home gigs that I made a little money on, but once it was all said and done, I believe I spent more in advertising than I made. Then I thought for a second. Hmm! There has to be new ways to make money online. After all, the wave of the future is the internet. The younger generation (those plenty younger than myself) seem to always be online. I have younger friends that do everything online. They don’t even go to the grocery store anymore. They just order groceries online and have them delivered (for a small fee of course) but hey. They don’t even have to leave their home if they chose not to.

So I did some more research, read some articles, read some blogs and found that people really could make money online if they wanted but were they telling the truth? I decided that some could be lying but why would they? They don’t care if I believe them or not do they? And some people actually preferred to work outside the home to socialize, meet people, make new friends and so on. But I already am married, have plenty of friends and family to socialize with and I cannot even afford gas to get to the grocery store (maybe I should start ordering them online too).

After all the research, I decided to take one more crack at it. After all, I did not want to go back to working a JOB and driving the hour and a half to get there ever again. I found a couple different opportunities that cost very little to learn how to do and thought I have to make it or else I won’t be able to make the mortgage payment this month. Low and behold I did make it and I loved it. It took a little bit of work at first but not even close to the hours I was used to putting in. I am now on pace to make double my salary from my past sales job this month. I am so happy I did the research and decided to check into the new ways to make money online or I would still be miserable working that JOB.

Sarah is now working from home making the money she has always dreamed of making and the money she DESERVES! Go to http://www.sarahjacksblog.blogspot.com to find out how.

This article covers 2 methods of making money fast. This is for someone are in situations like: a bill due yesterday, a situation that needs fixing or paying school fees next week. Read this article carefully, I believe these ideas will help you make some money TODAY, if not in a week.

My goal for this article is to empower others with little or no money to spend, to make money the SAME DAY as they put tactics into action. Yes, you can try look at projects that will make money on the long run but that is not the focus of this report.

Now let’s look at 2 methods:

1) Join the IRA site

If you can write and you need cash on the very day, try out this website. They have a simple system where you write a few sentences as a test, and then get approved (typically the same day) to write articles, reports, etc. Once you’re approved, you can login to a job board, and check out open projects. Some of the writing gigs listed right now include article sets on mortgages, online degrees, weddings, SEO, etc.

They pay you the same day as you turn in your project. Look for a project that suits you, post on the site that you’re taking it, and once you’re done, submit it with a Paypal invoice via email and you’ll have your cash same day. Now the pay isn’t amazing, but it’s a legit way to get fast cash in your Paypal account - especially if you aren’t crazy about brainstorming ideas and having to sell writing pieces on your own.You can start right now at: joinira.blogspot.com

2) Become a Forum Poster

If you have spare time and want to make money fast. Try out the job of forum poster. As a forum poster, you are paid to make posts in someone’s forum, simple as that. Of course, you’ll need to have basic grammar skills and be fluent enough in the English language.

Many companies hire forum posters at a rate of anything between .10 to .35+ per post. Depending on the type of forum, they may pay even higher. For example, if it is a specialized forum like medical forum and you have medical background, you can get paid for as much as $1 per post! If you’re a fast typer, you might be able to make 30-50 posts per hour. You may even earn as much as $40-$70 for the day for posting. Obviously, this method won’t make you rich. But hey, remember that you need money fast and this is not a bad idea. Most companies that I’ve come across pay out the same day via Paypal. You can try out forumbooster.net, postingdirect.com or forumadvantage.com

Some forums may even allow you to use your own signature file, which is a great way of making extra cash. Simply choose a complimentary affiliate program that’s relevant to the forum you’re posting at, and use it each time you post. (Be sure to check and make sure it’s within the guidelines of each forum you’re posting at before doing this.)

Try out these 2 methods, you’ll love it!

If you apply these 2 methods you will definitely make money! How about learning more ways to make money online? If so, get a FREE report on how you can make money fast at our website at: http://www.makemoneyinoneweek.com