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Unemployed Loans – The best of funds at uncertain times

Sunday, April 24th, 2011

Upon losing the stable income source, the circumstances that follow do make a huge dent on your financial credibility. Since you are out of job and unemployed, there is nothing that you can do. Availing funds in the form of external financial assistance seem just impossible. Besides, why would lenders take a huge risk by offering financial assistance to someone with no income source? As a result, you will not be in a position to fulfill your monetary obligations.  Nevertheless, there is still a chance that you can count upon and for the same; you can rely upon the provision of unemployed loans.

 

In order to let you avail the funds conveniently and that too without much of a hassle, there is no need of introducing any precious asset as collateral. The non involvement of collateral allows you to attain the funds, without undertaking much of a risk. As for the approval, it too comes quickly and gets diverted in to your bank account in a matter of few hours.

 

The amount released is a lot based on your current circumstances and repaying ability. Despite the various odds, you can still manage to derive funds, which then can be used to serve various needs. You are free to use the loans to deal with expenses related to paying medical bills, consolidate debts, renovation of home, educational purposes and so forth.

 

It does not matter much, if you are having problems related to CCJs, IVA, arrears and defaults.  Of course, the lenders do not take in to account the credit history, while releasing the funds. Besides, on ensuring to pay back the amount sourced within the stipulated time period, you do have a chance to rebuild the credit score.

 

As for the repayment tenure and the interest rate charged, you will never have any trouble, considering the fact that it is quite flexible. Although, before straightaway selecting any deal, a proper research of the loan market, using the online facility will assist you to get access to suitable terms.

 

Therefore, when the circumstances are not favourable and you do need funds to fulfill your needs and demands, despite not being employed, you can rely upon unsecured loans for unemployed.

 

Article Source: http://www.articlesbase.com/loans-articles/unemployed-loans-the-best-of-funds-at-uncertain-times-4661954.html

About the Author

Matthew Hopkinson is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) and a regular contributor to finance related websites. To learn out more about Loans for Unemployed, Unemployed Loans, Unsecured Loans for Unemployed UK, Unsecured Loans for Unemployed People visit http://www.unsecuredloansforunemployed.co.uk

Lloyds TSB Offshore Banking Benefits

Sunday, April 24th, 2011

So what is the biggest benefit of offshore banking? To start with, it is the opportunity of being a customer of your favorite bank even if the bank is located in other country. Aside even more obvious facts, one of the biggest benefits of offshore banking are tax savings. In fact, people often open offshore accounts exactly because of this very reason; no inheritance taxes, no capital gain taxes etc. This type of account is also ideal for businessmen that are dealing with different currencies. Not only businessmen benefit from offshore accounts; it is also ideal for frequent travellers that need to have access to their bank accounts more than often.

What you get with Lloyds TSB offshore banking is an easy international access to your offshore accounts from anywhere in the world, financial advantages such as fee free accounts and multiple currencies and finally, security and stability. Same as Lloyds TSB Internet Banking, offshore banking is available 24 hours a day. In fact, offshore banking is part of the Lloyds TSB Internet Banking. Lloyds TSB offshore banking interest rates are more than competitive and the features that bank provides to its customers are unparalleled. Other than 24 hours access, Lloyds offers phone banking as well as internet banking services, wide choice of currencies and secure fund transfers.

Lloyds TSB offers several types of offshore accounts. International Incentive saver account, fixed term deposit, limited accounts deposit, international bonus saver account and money market call account. After you have made your choice of which account you want to open, there is an application form to fill in. process doesn’t take long. This application form has 7 steps; you are given 15 minutes for each step to complete. If you failed to fill in the form within this time, you have to start registration from the beginning. You need to enter your email address and residential address where you have spent the last 3 years. Once you have completed registration process you will receive the confirmation email. After submitting the confirmation you will have to wait 2 days while application is being processed. You will be asked to present supporting documents, and once you submitted all the necessary documents, your account is ready to use. Lloyds will send you a confirmation letter within 5 days.

“Lloyds TSB International has recently won several awards showcasing our dedication to bringing you the best possible service and products”

Lloyds TSB Online Banking

Article Source: http://www.articlesbase.com/banking-articles/lloyds-tsb-offshore-banking-benefits-4651618.html

About the Author

Surviving the Unpredictable World of Forex Markets

Sunday, April 24th, 2011

The forex market is a trillion-dollar business. It is participated by several countries, financial institutions such as banks, companies, and investors.

If you know how to play your cards right in the foreign exchange market, it may just be your ticket to great wealth.

But how do you exactly survive and succeed? Here are some basic tips:

Know the market hours. There are different forex markets all over the world. Their headquarters are located in top cities such as New York, Japan, and London. However, they don’t operate at the same time because of time zone differences. Simply put, at a certain period, different markets are at play.

As a trader, you should be aware of the opening and closing hours of these markets, especially if you’re interested in certain currencies. For instance, if you like to sell your U.S. dollars for yen, you should know the schedule of the Japanese market.

Moreover, it’s not a good idea to trade during the weekends and holidays, as majority of the big-time players like banks and corporations are not around.

Start small. A lot of new forex investors make the mistake of being too aggressive. They invest a huge amount of their money only to lose them so fast. One of the best ways on how to make money in forex is to start small. You can always increase it as soon as you’re more familiar with the ins and outs of the trade.

Be more knowledgeable. The forex market is all about risks. But then again, you’re expected to take calculated ones. The secret to success therefore is to have a more thorough idea of the market. Get to know the different factors that can affect the movement of currencies, discover the major currencies, learn the techniques to reduce your losses and increase profits, and explore other innovative methods of earning.

Practice patience. You don’t earn fast money in forex market. It takes time before you can earn a substantial amount for your account. In fact, it may take months of years. That’s why you need to be very patient.

Patience is also highly needed as allowing your anger and frustration to surface only makes you very irrational. It’s not advisable to trade when you’re in a bad mood, since you tend to be more aggressive, investing a lot in what’s supposed to be a bad market.

If you feel bad emotions coming up, take slow deep breaths and remove yourself from the market for a while. You can also use a subliminal message video download to easily modify your negative thinking.

Practice trading. If you’re using a forex robot, you’ll come across a demo account. It’s highly recommended you create one. A demo account gives you an opportunity to do live trading without incurring real losses. To trade, you’ll be provided with virtual money, which you can replenish as long as the trial period is still running. Using the demo account is the best way to test your techniques.

Article Source: http://www.articlesbase.com/currency-trading-articles/surviving-the-unpredictable-world-of-forex-markets-4657344.html

About the Author

Nelson Berry is the Pioneer of Subliminal Messages Videos and Subliminal MP3s Audio Subliminal Messages online. Valued at $160, click for 4 Free Subliminal Messages Videos!

E-Mini Trading: Which Time Period Is Best for Trading the ES and YM E-Mini Contracts?

Sunday, April 24th, 2011

If you would like to get a room of e-mini traders into a vociferous argument, state in a boisterous manner, that 2 minute charts are the very best for trading the ES e-mini contract.  Every successful trader has a distinct preference for a certain time period when trading.  These preferences are generally the result of longtime experience and success in his or her trading career.  No two individuals trade in an identical manner and time period for each bar on a traders chart is a matter of personal experience.  Generally speaking, I have watched traders who trade in the scalping style use 1, 2, 3, and 5 minute charts.  There are advantages and disadvantages in using each time period.

As an aside, time-based charts are not the only type of trading charts in use by professional traders.  There are range-based charts, Renko-style charts, point and figure charts, and tick charts, just to name a few.  The study of these charts will be the object of my next few articles.  For today, we are going to go over time-based charts.

Let’s start at the beginning.  The amount of time for each bar on a chart is at the discretion of the trader.  For example, a 1 minute chart assigns exactly 1 minute for each bar on the charts.  The same logic holds true for 2, 3, and 5 minute charts.  Each time period shows a different perspective of the price action on the chart under observation.  There are distinct advantages and disadvantages for using various time periods in your trading.  For the sake of clarity, I am going to make a few assumptions about the intended reader of this article:

•    You are a trader with a trading account under $25,000
•    You are a trader who trades in the scalping style.
•    Your goal is to maximize the return on your investment while preserving your capital.  

Very few traders use 1 minute charts because they typically present price action at a rapid rate, which results in many false setups.  I have seen traders use 1 minute charts to get a different view of the market, but generally speaking these charts are very difficult to use effectively.  In my experience I have found 1 minute charts to be of little value.

On the other hand, it is fairly common to see 2 and 3 minute charts on the majority of most traders who trade in the scalping style.  For me personally, I prefer to use 2 minute charts when trading the YM contract.  I do this for several reasons.  The YM contract is often a slower moving contract than the ES contract and has considerably less volume, so I find a 2 minute gives me a more accurate view of the price action.  Also, the YM contract is dominated by smaller traders and less dramatic price movement. The ES contract is a far different animal than the YM contract; it is a high volume e-mini contract that is loaded with professional traders and sophisticated trading technology.  For these reasons, I use a 3 minute chart to slow the action down some and give myself time to get a better read on what is actually occurring on the chart.  On certain days, especially very active days, I will use a 5 minute to provide even greater clarity.  On days when I am having trouble getting a good read on the market action, it is not unusual for me to switch intermittently between 3 and 5 minute charts in an attempt to ascertain which time period is most beneficial in spotting setups.

In general, larger accounts tend to concentrate on 5 minute charts, as they provide excellent clarity and spotting training and consolidating markets.  The reason large traders typically trade higher number time charts is they have deeper pockets and can withstand greater moves against their positions.  As a smaller scalper, we tend to have shorter stop loss limits and tighter management on our trades.  For that reason, smaller traders tend to trade 2 and 3 minute charts.  Smaller traders simply don’t have deep enough pockets to allow them the time it takes for broader market moves to develop.  As a side note, institutional traders often trade 15 minute charts, as they have a nearly unlimited amount of capital to back their trades, and these traders are generally not scalpers but swing traders and trade broad trends as opposed to scalping 2 or 3 point points out of a trend.

In summary, we have looked at a variety of time periods that traders utilize in set up analysis when trading the e-mini contracts.  I believe very short time periods do not provide the smaller trader with a very accurate view of the market; the short periods tend to indicate to many false setups.  I also stated that the midrange time periods (2 and 3 min.) provide an excellent insight into trading setups, and suggested that, at times, 5 minute charts can be helpful to the smaller trader or scalper.  Finally, I have pointed out that large trading institutions often use 15 minute charts in their trading as they are generally looking at broader trends in the market.  As a trader, experiment with different time periods and find which time period resonates most effectively for you on the YM and ES e-mini contracts.

Article Source: http://www.articlesbase.com/day-trading-articles/e-mini-trading-which-time-period-is-best-for-trading-the-es-and-ym-e-mini-contracts-4650961.html

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Real Live Trading Doesn’t Lie. Spend several days in my trading room and see if you can benefit from a fresh and unique view on trading e-mini contracts. Sign up for your free trading experience by clicking here

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UK Mortgage Intermediary Distribution 2010 – Market Research Report

Sunday, April 24th, 2011

Aarkstore.com announce a new report through its vast collection of market research report :

UK Mortgage Intermediary Distribution 2010

http://www.aarkstore.com/reports/UK-Mortgage-Intermediary-Distribution-2010-118965.html

Introduction

2010 proved to be another challenging year for the overall mortgage market and for the intermediary sector in particular. Intermediaries had to deal with the declining volumes of business, falling market share as a result of the focus on direct distribution, and uncertainty over the shape of proposed regulation of mortgage distribution.

Features and benefits

* Presents findings from Datamonitor’s Intermediary Distribution Survey to highlight the key trends and issues facing intermediaries.
* Provides an overview of the main developments in the mortgage market and intermediary sector in 2010.
* Analyzes the market context in which mortgage intermediaries operate.
* Provides forecasts for the value of gross lending conducted via the intermediary channel, and for intermediary market share.

Highlights

The mortgage intermediary sector continued to contract in 2010, with many member exiting the industry due to a lack of viability. This was the result of gross lending volumes falling across all lines of business, adversely affecting income levels. However, the sector is now leaner, fitter and more efficient as a result of these changes.
Intermediaries remain pessimistic, expressing concern about poor consumer demand, the weakness of the economic recovery and stagnant property prices. They also feel that their share of the market will continue to fall, and are less inclined than last year to expect the value of business they handle to increase.
Brokers are adapting their business models to survive in the current climate and to address the impact of dual pricing. Fee charging will start to supersede commission-based models, allowing intermediaries to advise on the whole of the market. Diversification into other products and services, such as financial planning, has become commonplace.

Your key questions answered

* Gain an insight into the views, opinions and concerns of intermediaries.
* Understand the consequences of the ongoing downturn in the mortgage market for the intermediary sector.
* Use Datamonitor’s forecasts to help plan your future distribution strategies.

Table of Contents :
Overview 1
Catalyst 1
Summary 1
Executive Summary 2
Difficult market conditions for mortgage intermediaries persisted throughout 2010 2
There are several different distribution channels for mortgages in the UK 2
The number of intermediaries continued to fall in 2010 3
Trend: Datamonitor predicts tough conditions for intermediaries for many years 4
Insight: intermediary-sourced lending will grow modestly under the neutral forecast 4
Trend: intermediaries are less hopeful about the state of the market than they were last year 5
Insight: brokers believe that a recovery is further away than before 6
Trend: intermediaries have become more pessimistic about their own prospects 6
Insight: the proportion of brokers who believe they will do more lending in the coming year has fallen 7
Trend: brokers are changing their business practices to reflect the new reality 7
Insight: brokers are starting to charge upfront fees 7
Trend: lenders are directing their efforts towards direct distribution 9
Insight: brokers feel they are losing market share to lenders 9
Trend: broker incomes are continuing to fall 10
Insight: there has been an increase in the proportion of brokers reporting falls in product commissions 10
Defining the Intermediary Sector 22
Difficult market conditions for mortgage intermediaries persisted throughout 2010 22
There are several different distribution channels for mortgages in the UK 22
The number of intermediaries continued to fall in 2010 23
The industry is now leaner but also fitter 24
Half of intermediaries report having no more than 500 clients 25
Individual brokers have seen a slight upturn in activity 26
Mortgage volumes remained steady in 2010 26
There has been an overall increase in the value of mortgages arranged by brokers 27
Individual brokers saw a fall in the value of mortgages arranged in 2010 28
Buy-to let lending was the least badly affected category of mortgage in 2010 29
The share of lending claimed by brokers has fallen drastically since 2007 and 2008 31
Quarterly lending arranged by intermediaries is two thirds lower than at the top of the market 32
Intermediary lending has fallen at a greater rate than total market lending 33
Intermediaries choose providers on the basis of rate and level of support 34
Rate, reliability and quality of service are all key to choice of lender 34
Procuration fees are of lesser importance than rate and service-based factors 35
Rate, speed and service all play a role in persuading intermediaries to switch lenders 36
Intermediaries appear to be only mildly concerned about key aspects of the market 37
Commission levels are a cause for slight concern 37
Concern with receiving adequate support from networks has declined over the last two years 37
The mortgage market is concentrated in the hands of a few large providers 38
The big banks have increased their dominance of the mortgage market since the banking crisis 38
Intermediaries are dependent on a select few lenders 39
Market Context 41
The lack of credit availability is still restricting lending 41
The aftermath of the credit crunch continued to hold back activity in 2010 41
The first time buyer market remains badly affected by the lack of mortgage finance 42
A sizeable proportion of consumers are still being refused credit 42
Consumer demand for mortgage finance was also subdued in 2010 43
A lack of both demand for and supply of mortgage finance resulted in low lending levels in 2010 44
2010 was a less turbulent year for mortgage networks 45
Far fewer networks found themselves in difficulty in 2010 than in 2009 45
Some networks have seen considerable changes in their AR numbers 46
Remortgaging activity continues to be hit by the low base rate 47
Remortgaging flatlined throughout 2010 47
The lack of consumer demand for remortgaging is confirmed by Bank of England data 49
Remortgaging is likely to remain low throughout 2011 49
The FSA is still in the process of reviewing the regulation of the mortgage market 50
The FSA has published a consultation paper on distribution and disclosure 50

Article Source: http://www.articlesbase.com/mortgage-articles/uk-mortgage-intermediary-distribution-2010-market-research-report-4653999.html

About the Author

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