Two Rules For Smart Investing For Beginners

Investing can seem intimidating for beginners, especially when they are trying to do it on their own. But investing on their own can potentially make them more money because they won’t have to pay an advisor. It can also feel more satisfying because they’re doing it on their own. However, to be successful novice investors must understand how supply and demand impacts price. At Online Trading Academy beginning investors are taught when investments have lots of buyers, they have the greatest potential to increase in price. They also teach that the increase in value of stocks is more difficult to predict than other asset classes like Forex currency pairs.

Principles Of Investing

Many beginners use brokers trades prime  to invest in mutual funds and annuities. However, their chances of making significant profit increases if they educate themselves and invest in liquid assets like Forex. Less factors affect their value. Whereas when investing through brokers, management fees, taxes and other hidden charges can reduce potential profits.

First Rule Of Investing

For beginning investors, the first rule is to create a realistic trading plan. This should include what they want to trade, their profit goal, risk tolerance and the amount of time they can spend monitoring their investments. They must decide if they’re investing for immediate income, long-term wealth or a combination of both. This will determine their level of activity and degree of risk they will assume. One effective strategy is to invest a small amount in ‘high-risk high-reward’ assets and a larger portion in safer, more conservative assets to fund a comfortable retirement.

Investors must also consider how taxes will impact their profits. Money placed in tax-deferred retirement plans like a 401(k)is taxed like ordinary income when withdrawn, not matter how long it’s held. When investing in taxable accounts, less tax is paid when the asset is held for a year or more. The investment planning for retirement investors is simpler. Short and long-term holdings, dividends and all other income is taxed the same. A Roth IRA invests after-tax money and earns tax-free income.

Second Rule Of Investing

The beginners second rule of investing is ‘lose small, win big’. Online Trading Academy advises traders to maintain a reward/risk ratio of at least 3:1 on all potential trades. Using this ratio investors won’t have to be wildly successful with every purchase to maintain profitability.

Basic Investment Principles

The movement of the price of an asset is determined by the size of the supply and the amount of demand there is for it. If the supply is greater than the demand, the price will fall. However, if willing buyers outnumber the sellers, the price of the asset will rise steadily. When there’s an equal number of buyers and sellers, prices will remain steady or begin to fall. With education and experience investors will be able to use price charts to monitor the changing prices and accurately predict which direction prices will go.

There are simple pre-set stops or stop-loss mechanisms beginning … Read more

Manhattan Court dismissed 250 million dollar case

Logic says if A is B and B is C then A is C. And for the most part, this line of reason is absolutely true. However, when things such as business and emotion are involved, this black and white logic does not always apply. Matters of fact can become blurred or redacted and a person’s statement is only good if they are able to make it in person as well as on paper. What does all this have to do with anything?

In a 250 million dollar tax fraud case against Felix Sater, which the Manhattan Court dismissed following the bouncing ball from A to Z gets a little confusing when the names Donald Trump, Tevfik Arif Doyen and a few of others are involved. The first contender with a dog in this fight is Fred Oberlander who represented a former business partner of Sater in a previous lawsuit with ties into the case dismissed in the Manhattan Court. The party he represented in that case is Jody Kriss who acted as a former partner and associates of Sater and the business venture Bayrock. The representing counsel for defense in the Manhattan case is Robert Wolf who basically only has one interest that turns out to be crossing the t’s and dotting the i’s in this Manhattan filed preceding. The last name to be attached in this most intriguing proceeding is Richard Lerner. Interestingly enough, the last name to have a interest in this matter as a whole is that of Donald Trump. It should be noted that this is the businessman Trump and not the president of the same name.

If these circles and associations of these individuals seem a little bit complicated and just a touch confusing, then the following events that bring them all together should be sure to clear things up. The Manhattan Court dismissed the file brought against Sater by Oberlander and Lerner on behalf of the government largely because the evidence hinged on information that had been already been thrown out of a previous case. That case involve Oberlander representing Jody Kriss against Tevfik Arif and Felix Sater as the cofounders of Bayrock.

Statements in that case claim that these two businessmen have questionable associations with organized crime and are involved in unconventional business practices such as embezzlement and racketeering. The results of that case are pretty much the same as the Manhattan filing, and there was no fault found within the Bayrock organization. Although its founders have a history of encountering a little bit of troubles in their business endeavors in the past.

They failed to mention this when conducting business with Donald Trump and his people. As a matter of fact, there are affidavits with Trump stating that he would not have done business with the co-founders Sater and Arif if he had known about their past. But since Jody Kriss really was not willing or able to appear in the Manhattan proceedings and the evidence that was presented had … Read more

Beware, This Malware Can Damage Your Physical Android Smartphone

A new Android malware is re-discovered performing a series of malicious activities, including displaying ads without the user’s knowledge, sending messages to any number, so botnets to subscribe to paid services.
Not only that, this malware is also able to take over the smartphone and use it to mine crypto currency (digital currency).
Terrible, the ability to mine crypto currency is potentially damaging the smartphone physically when it is infected.
Reported on, Wednesday (20/12/2017), malware called Trojan Android OS LOAPI is hidden inside the app that is distributed to third-party application stores, ads in browsers, and SMS that contains spam.
Found by a team of researchers at Kaspersky Lab, malware is dubbed “jack of all trades” is worth being aware for because of its diverse capabilities. For more information you can visit:

One of the most prominent abilities, the LOAPI application contains modules that can mine Monero, a new type of digital currency that is less knowing than Bit coin or other digital money.
With this module malware authors can ‘generate’ new coins by sucking electricity and forcing the hardware performance of an infected smartphone.
In a trial conducted by a team of Kaspersky Lab researchers, smartphone battery infected with LOAPI malware for two days until it swells up.
As you know, the last few months there has been a surge in sites and apps that are trying to drain CPU and power to run the digital currency miner’s code.
In some cases, new users know they’ve been ‘used’ by apps or webpages to mine when the device they’re using begins to slow and drains more power than usual.
The LOAPI will send a barrage of requests to the user to gain administrator access. After that, LOAPI will complicate the victim to install security applications to clean the phone from malware.
Malware can also subscribe the phone to premium services and covertly send the code to an SMS message to confirm the request. If you need to know about that virus you can visit :

It also allows hackers to use infected smartphones as ‘accomplices’ in launching DDOS attacks. And this shows a constant stream of ads.
Until this time, there is no indication that the application LOAPI ever appeared on Google Play.
“We’ve never seen malware like this before,” wrote the research team Kaspersky Lab.
They added, “The only thing lacking of this malware ability is the ability to spy on users, but with modular architecture the Trojan is currently only a matter of time.… Read more

Importance of loans

With a good use of credit, a large number of situations in the personal, family and business economy of these times can be solved. A bad use of credit can lead us to have an economic problem. The loan is therefore useful and the problems are caused by us, when we make an inappropriate use such as: contracting a debt greater than our ability to pay.

The loans can be for individuals or individuals or for companies or legal persons. To borrow properly it is important to take the credit indicated for our case, for example, to know exactly the amounts of capital and interest payments. A promissory note is a one-year loan, which requires quarterly payments of 25% of the capital, it is very likely that this type of instrument is not suitable for a natural person and it would be better to look for a loan by installments, say forexample to three years.

The credits for natural persons are generally those of consumption (purchase of vehicles or credit cards). You can also borrow to set up a business or purchase an asset. The credits can be short, medium and long term, look for the option that suits you and remember, that you should not get into debt if you have doubts or do not understand exactly the obligations assumed. Obviously, the recommendation that we are going to give you is that you should get into debt with the bank of your preference, but always go to formal markets, to go to lenders you will pay  usury rates, hence the importance of being banked.

It is say, work with banks, not only when applying for credits, also when it comes to trusting your savings. If you live in UK, you can try Do not place money in institutions, companies or with people who are not banks or regulated and supervised institutions.Another aspect of interest when it comes to borrowing is that the rates are attractive, even the highest credit cards are at 29%, since all rates are below inflation, is therefore a good opportunity to borrow and buy an asset or make an investment. If you also qualify for an activity that has regulated rates such as agriculture, tourism, manufacturing or housing, the recommendation to borrow becomes more important. It is a good business to get into debt, as long as you have the ability to pay.

In the case of companies, I am going to refer to the main modalities: They represent the money received from a financial institution and the net creditor balance of the current accounts that are in the books of the banks. Bank loans are requested for different reasons, among which the following can be cited:

  1. financing of working capital
  2. purchase of inventories;
  3. acquisition of fixed assets;
  4. cancellation of debts.

A loan is received for financing working capital, when a company requires cash to pay off short- term debts or to acquire a property that is quickly realizable. When this type of financing … Read more

This is How to Boost Business With Digital Agency

Share tips on how to jump-start your business using an Indonesian digital agency. The development of technology today makes it easier for anyone to make it happen. Any business can be done online and more fun is a business that does not have to be done with every day to go to the office.

Many businesses are now doing business while having fun and doing their hobbies. But of course, every business needs marketing or marketing. You can use the services of digital advertising agency structure as a form of your efforts to market your product or business. But, what exactly is the digital agency itself and what it does to help you grow your business ?

If this is the first time you hear the term digital agency, the following explanation can help you to understand more about what is Indonesian digital agency. Digital agency is the first one we know an advertising agency. The rapid development of IT turned it into a digital agency.

Digital agencies help run a business

Digital agencies help anyone who runs a business to market their services, brands or products. Digital agencies usually use apps, websites, social media, search engines and more. Digital agencies are viewed far more effectively and efficiently than advertising agencies, as digital agencies are better able to make marketing a focus without being restricted by the region.

Digital media also enables the marketing process to become faster, wider and able to reach areas that can not be reached by advertising agencies. The development of IT and digital media allows promotion and communication between producers and consumers in two directions. Different from digital agency how to take the offline path, so the communication happens only in one direction.

If a company or person to market a product or service properly, then the company or business will experience a rapid increase. That’s why now professionals in the digital field are badly needed. If you are planning to start your own business, it’s a good idea to learn about this digital marketing in more depth and detail to be able to market your products, services, and business effectively.

Providing products in the form of necessities is one good choice with a small risk that it will fail. Define your target audience and choose the product or service you will be occupied of things that you are interested.Digital agency able to take advantage of some advanced features that can be loaded into the world of the internet.

Optimizing social media as a field promotion

Some of them want to optimize social media as a field promotion, or web development blog and optimize search engines. Optimization of some of these features is done by adding compelling content that is able to make people confident and want to buy promoted products. The use of content such as video, audio, graphics, and so on is the key to beautify the field of promotion in the internet world.

Employment experts and hired professionals make anyone entrepreneur who … Read more