Author / Kevin

Investing

How To Create A Binary Options Trading Strategies To Profit From Simple Market Trends

If you have spent any time reading about financial trading then you will no doubt have come across references to the trend. The trend is the directional basis in which financial markets move and is considered to be one of the most important factors when identifying future market moves.

Analysis of the trend is used by all styles of traders.  It can however prove particularly powerful when combined with binary options trading methods. The ability to identify whether a market will move higher or lower when combined with the Call and Put digital contracts available in the world of digital options can make for a simple strategy from which the individual can earn high profits.

Trends basically refer to the dominant direction that the price of an asset has moved over time. This is driven by a strong momentum and demand from either buyers or sellers in the marketplace. It is commonly observed that once a trend is in place, it is more likely that it will continue than break down. In most trading approaches it is assumed to be better to always trading in the direction of the trend in order to gain the backing of the market. This not only lowers the potential risk, it also gives a greater chance of the opportunity proving successful.

When analysing an asset it is important to realise that trend can exist across all different time periods on the chart. While trending on higher time-frame charts will determine the overall direction that the price of an asset will move over time, many shorter term instances will also exist. These will be the result of price rallies and short term changes in sentiment towards the asset. What this means is that it is possible to trade both long and short term strategies using these signals.

As the trend signals the direction in which a market is most likely to move, it provides a power indicator which can be used to create basic binary option trading strategies. If the market has been moving higher, then a ‘Call’ option contract can be used to profit. Similarly if the price is heading downwards then the binary trader can make use of ‘Put’ contract to capture the move. When trading in this way the ‘Intra-day’ market trend should be the focus of the trader. However results can be improved by keeping a close watch on the wider market picture and dominant direction that the market is moving.

There are many technical indicators which can be used to identify the trend of the market. The most common of these is known as the ‘moving average.’ This indicator is plotted onto the chart and is able to calculate the  market direction by using a basic mathematical calculation. This takes into account the preceding daily price movement of the asset to provide a view of the average gain of the price. By configuring the parameter settings it is possible to find out the direction that the price has been moving over a set number of preceding days.

One way that is often used to capitalise on this movement is to find opportunities by waiting for a low time-frame moving average to cross one from a higher time frame. Once this happens it is taken as a signal to enter the market in the direction that the cross occurs. Essentially this provides a signal that the near term market direction is gaining increased momentum.

Trading with binary options brokers provides a modern and easy way in which to speculate on the price movement of assets. Unlike many methods of trading you only have to forecast a higher or lower movement in price to earn a high fixed return. For this reason they are particularly suited for use with strategies which can identify strong market momentum. By predicting whether the market will finish higher or lower, simple strategies for binary options can be created which exploit the use of the trend.

Guest Post provided by Phil Moore. Phil is a full time trader and investment contributor for the website BinaryOptionsProfits.net. You can visit the site now by going to http://www.binaryoptionsprofits.net.

Frugality

Finding the Best Prices On Your Holiday Shopping

The holidays are one of the hardest times to stick to a budget. All of a sudden you find yourself overwhelmed with a variety of unexpected expenses including holiday travel, gifts and food.

If you want to stick with your personal finance goals during the holidays, it is important to have a strategy that you use while making your purchases. Here are some great tips for saving money on your holiday shopping.

Use Coupons to Accumulate Savings

Coupons can save a lot of money whether you shop online or in store. Start browsing through weekly ads and look for great deals and coupons at your local retailers.

Additionally whenever you online shop, make sure that you do a quick search on Google for the retailer to see if there are any deals that you can take advantage of, like Bloomingdales promo code. Many times with just a few minutes of searching you can find a coupon code for free shipping, a percentage off the purchase price or even a free gift with purchase. These are valuable offers that can make your holiday shopping much more affordable.

If you do find a free gift with purchase, look over your gift list and find someone who would love it as their gift. There are many great coupon sites out there, but a few to try for online shopping are retailmenot.com and freecoupons.com. You can search for your retailer and can often find a valuable money saving offers.

Another great way to find online coupons is to simply do a Google or Yahoo search for the retailer’s name + Coupons.

Round Up Old Gift Cards

Every year you probably get a gift card or two that you just don’t get around to using. Or you might use the majority of the balance and leave the card in a drawer with a few dollars left on it. The holidays are a great time to round these cards up and redeem them for savings. As you go holiday shopping, cart around your old gift cards and finish up the balances whenever you shop at these stores. If you have a large gift card at a store you don’t regularly shop at, consider using the card to buy a holiday gift.

Comparison Shop

Comparison shopping isn’t the most exciting way to holiday shop, but it can save you some money. Rather than running around searching for the prices on one particular item which will use a lot of gas, comparison shop as you go to stores for other things. Next time you visit Wal-Mart or any other retailer, take a look at their pricing on gifts you are considering and make a note in your holiday notebook.

You can repeat this process each time you go out and when it comes time to make your final purchases, you will know where to go for the best prices. You can also comparison shop online rather easily. Plus, if you have an iPhone, there are a few great apps for help with comparison shopping.

These are just a few of the many great ways to save on your holiday shopping this year. Keep checking back for more tips on holiday savings this year.

How do you save on Holiday shopping?

Insurance

Gadget Insurances is a Must Look for Gadget Geek

The advent of technology has led to the development of numerous gadgets. These gadgets can be found all around you. There are gadgets that can do all sorts of work. Thus, the workload that the average human being undertakes in the modern world has been greatly reduced, thanks to gadgets.

Now, the thing about gadgets is that their prices are relative to the level of complex tasks they are meant to undertake. While so of them come at rock bottom prices, others can tear down your bank in no time at all. Gadget insurance is required, particularly if one is planning to buy such expensive gadgets.

As gadgets turn old, people tend to mishandle them more and more. This inadvertently leads to damages or loss of the handset itself! Since, no one like to lose such expensive properties, there must be some way to protect one from such mishaps. Gadget insurance is the only way one can ensure that their investment does not bite the dust anytime soon. So what exactly is such insurance, why do we need it, what does it cover, and the availability of gadget insurance UK? Let us find out!

Well, the coverage of any gadget insurance doesn’t follow any rule book. They vary according to the different insurance providers. Commonly such insurances allows one to cover up to five items which generally are cellular phones, portable music / consoles (such as Wii or PSP), music or video players, PDAs, GPS, cameras, handy cameras, laptops and even PCs!

Since most of the devices are portable there is a higher risk of one losing them. Being expensive, these losses and theft can hurt the owner of the gadgets in a big way. Gadget insurance UK policies come in handy during such tragic times by covering up the loss to a great extent! By covering we mean, replacement of the original device at no extra cost in some cases.

One should consider investing in gadget insurance UK if one owns a multitude of gadgets, and prefer travelling along with them. Insurances such as these are highly popular are simple to buy. One can even apply for one, online right from the comfort of their couch! The process is further simplified because there are many companies that offer gadget insurances at the low investment rates!

The insurance policy, as has been already mentioned earlier, varies from provider to provider. While all of them offer cover on damage and theft of a device, there are other providers that provide loss coverage to only devices such as cell phones and PDAs, hence checking with your gadget insurance UK provider is a wise act, before making the commitment.

If you are the type who tends to misplace things in your household, you are most likely to face similar situations with your gadgets at some point of time in your life (if not experienced already!), you wish there were ways to cover the extra expenditure due to loss of mishandling, and then gadget insurance is just for you. Survey the policies of the gadget insurance UK offered by different provider carefully and chose the one that suits your bill perfectly!

Author Bio:

My name is Sachin. I am a passionate writer on insurance, general gadgets and tech and all things digital. I have written this post to give you a clear idea on the above topic. I also work as a freelance copywriter and have written for many respectable brands such as uk.Protectyourbubble.com insurance.

Business

What to do when clients don’t pay

when clientsdont pay

If you’ve been the victim of non-payment by another business, chances are you’re furious. Chasing up invoices is not the most productive use of your valuable time and, when clients simply don’t pay up, it can be a real problem. Astoundingly, recent estimates as blogged about by Wonga suggest that UK SMEs are owed more than £55bn in missed payments in 2014.

With clients increasingly failing to cough up (the situation has worsened by 52% since the summer of 2013), many businesses are turning to increasingly meticulous vetting software to scope out clients ahead of beginning a working relationship. This information makes it easier to reach an informed decision about whether or not a business will be able to pay for the goods or service you deliver. But what if it’s too late for that and you have not been paid?

Try a Mediation Service

Softly, softly catchy monkey. Mediation services are far less expensive and stressful than launching straight in with legal action. They’re often far faster too, utilising professional, unbiased mediators who help both sides reach a mutually satisfactory conclusion. If your non-paying client simply won’t respond to requests for mediation, however, you may need to take heavier measures.

Use a CCJ

County Court Judgements (CCJs) are legal judgements handed down by a county court. These judgements are also referred to as “taking someone to small claims court”. You will need to pay a court fee and if your claim is not successful you may not get your money back. The government website provides a helpful guide to the process which can result in the bailiffs getting sent around…

Issue a Statutory Demand

Once you have issued a statutory demand, the business or client in question will have 21 days to pay you in full (or to offer acceptable payment terms). Often this is enough to scare the company into coughing up. Especially since statutory demands can often lead to much more serious winding up petitions…

Move on to a Winding Up Petition

If a business fails to meet this deadline, they could risk facing a winding up petition (WUP). A WUP will require the company or individual to attend small claims court for a hearing. This hearing will be held in an open court and they will require legal representation.

This is the most serious step at your disposal so approach issuing a WUP with extreme care. You need to be absolutely positive that you are in the right, you must have unequivocal proof of the debt and you must have tried a number of other options before you take this serious step. These petitions are costly. They cost between £300 – £800 to issue, plus a £1,190 court deposit alongside the filing fee. This means they are not to be taken lightly so think carefully before progressing with this step and ensure you are receiving experienced legal advice.

Have you been affected by non-payment in the past? How have you handled the situation and which method have you found to be the most effective? Share your experiences and read others’ below.

Image source: http://commons.wikimedia.org/wiki/File:3D_Judges_Gavel.jpg
Insurance

Tips to Find the Best Car Insurance Quotes

If you want to save money on car insurance, then you can’t just choose any old provider that you see on television. Every car insurance provider is unique and there are many different factors that affect the price of your insurance. The price you pay depends on the area that you live, your driving history, the type of car that you own and any extra costs that the car insurance provider has. The truth is, getting the best car insurance quotes is about how hard you look for them. Searching online is a great way to compare the prices of competing companies. By doing your homework, you will walk away with a lower monthly price.

Locate a car insurance comparison company

A true car insurance comparison company should not charge you any money to use their services. Car insurance comparison companies are paid commission for referring customers to the actual car insurance provider. This is why car insurance providers give them access to their pricing information. Without doing so, these comparison companies would send customers to a different company.

Be sure to locate a car insurance comparison company that can give you up to date pricing information on multiple car insurance providers. This will help you save money on your bill every month because they will direct you to the lowest cost company in the area.

Don’t be afraid to provide detailed information

Often times, people are hesitant to enter in any kind of personal information on the Internet. If you take this approach when comparing car insurance quotes, then your search is not going to be successful. It’s very important that you supply car insurance comparison companies with the information that they need to locate a low cost provider. Typical information that is asked of you will include your driving history, accident history, the type of car that you own and the area that you live. These are important factors when it comes to determining your car insurance costs.

Know your environment and understand how pricing is determined

Car insurance companies use a lot of different factors to determine the costs of your insurance. If you live in a highly populated area, the chance that you will get in an accident is greater, so this will increase your insurance rates. Similarly, if you are a teenager, your insurance rates will increase as well because of your lack of experience behind the wheel. These are all things that you need to be aware of so that you can do what you can to reduce your insurance because some car insurance companies will allow you to do things to bring down these related costs. For instance, students can submit their grades or you can even relocate to a more densely populated area to save money.

Only pay for full coverage if it’s absolutely needed

Full coverage insures your vehicle in case you are the causer of the accident. It’s usually not necessary to pay for full coverage on a vehicle that is used, aged or has very little value. It’s important to consider whether or not your vehicle really needs full coverage and if it’s a necessary expense. Full coverage can more than double your insurance rates, so you can save a lot of money without it.

Passing on perks can lower your monthly payments

Often times, car insurance companies will try to package in special perks, provided that you pay a little bit more money every month. These perks can start to add up and they probably aren’t something that you use very often. If you can live without them, it’s a good idea to throw perks aside.

Author Bio: Larry Smith works for CarInsuranceQuote.net as an associate.  Their website is focus on providing information about car insurance.