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Melhores aplicativos para Trading [2020]

A negociação nos mercados financeiros não requer necessariamente um computador, um local fixo. Hoje, você pode negociar online através de aplicativos móveis oferecidos pelos melhores corretores do setor. Claro, um monitor grande é cada vez mais confortável para os olhos, mas como sabe, tanto os smartphones como os tablets têm agora telas ideais para qualquer actividade.

Os melhores aplicativos para trading também permitem que você evite acessar a plataforma através do seu navegador por duas razões. Em primeiro lugar, porque acessar as plataformas de navegação a partir do seu celular não é confortável quando você pode encontrar a tela com os detalhes em pequenos; em segundo lugar, porque uma aplicação é especialmente projetada para tornar todas as operações e usabilidade muito mais prático e confortável.

Assim, quando um bom corretor oferece a possibilidade de negociar através de aplicativos, você pode ter certeza de que é uma solução de qualidade que permite negociar e seguir os gráficos de seus investimentos com conforto e simplicidade.

Lista das melhores aplicações de trading

Nesta lista, inserimos as melhores aplicações de comércio eletrônico que selecionamos e testamos na Itália. Para descarregar um aplicativo, você pode prosseguir clicando na plataforma desejada.

Ao visitar as lojas de aplicativos, algumas plataformas de negociação se destacam mais do que outras. O primeiro a aparecer é normalmente o etoro, também por esta razão o mais revisto. Os outros seguem, embora mereçam mais espaço. Não confie simplesmente na posição de uma loja de aplicativos na loja de aplicativos, mas experimente por si mesmo, ainda mais quando ela é gratuita e sem compromisso.

Um dos melhores corretores que oferece uma aplicação de negociação é sem dúvida o eToro, que é especializado em negociação social.

Para mais informações você pode ver as melhores app de trading a partir desta página.

A Aplicação eToro In-Store Trading

É a plataforma de negociação social mais importante, ou seja, a combinação de atividades comerciais e redes sociais. Os usuários do eToro podem realmente se comunicar uns com os outros e criar fóruns. Além disso, há a possibilidade de copiar automaticamente o trabalho de outros comerciantes.

app trading etoro descarga - Melhores aplicativos para Trading [2020]

Plus500, a aplicação de negociação de CFD

É claro que tem de começar com a aplicação Plus500. Isto porque é uma das plataformas de negociação de CFD mais utilizadas no mundo, além de ser a mais apreciada e revista em lojas de aplicativos móveis.

Para o encontrar, basta clicar aqui ou escrever “Plus500” ou “e-commerce” na barra de pesquisa da loja. Para instalá-lo em seu dispositivo, você pode clicar em instalar.

Uma vez concluída a instalação, você pode clicar em “Abrir”.

A aplicação Plus500

Clicando em “abrir” a aplicação é lançada e mostra-nos os modos de conta disponíveis.

Seleccione um modo de conta na Plus500Para praticar com uma demonstração gratuita, podemos clicar em “modo de demonstração”. Podemos então registrar uma nova conta ou login, dependendo se você já está registrado ou não.

Quando terminar o registo, aparecerá uma mensagem a dizer-nos para lermos a mensagem de boas-vindas. Se clicar em OK, será transferido para um site oficial com a mensagem de boas-vindas.

plus500 app - Melhores aplicativos para Trading [2020]

Recomendamos que o leia.

Neste ponto, para iniciar a plataforma, basta sair da página de mensagens e abrir a aplicação a partir do seu dispositivo portátil (clicando no ícone criado com a instalação).

Quando a plataforma é lançada, a Plus500 informa-nos que foi adicionada uma quantia de dinheiro virtual à sua conta. Com esta soma, você pode praticar sem risco, nas mesmas condições que a sua conta ativa.

Uma vez que a mensagem tenha desaparecido, tudo o que resta é admirar a beleza da plataforma com a qual se pode trocar praticamente e rapidamente, sem muitos folhos.

Um gráfico da aplicação de negociação Plus500

Não é para dizer, mas com a aplicação tudo é ecrã táctil, por isso basta clicar nos botões para abrir as posições, escolher as ferramentas, ver os gráficos desejados, etc. A aplicação de negociação Plus500 tem todas as funcionalidades disponíveis na versão de secretária.

plus500 app trading mini - Melhores aplicativos para Trading [2020]

Opção IQ, opção e aplicação de negociação de CFD

Vamos passar para outra das melhores aplicações comerciais da área. A aplicação IQ Option, uma corretora especializada em opções binárias, opções clássicas e agora CFDs, está muito bem feita e no topo da indústria pelos seus gráficos e funcionalidades.

Uma das vantagens da aplicação IQ Option é que você também pode experimentá-la em modo de demonstração, sem depositar. Uma desvantagem, no entanto, é que para aparelhos Apple requer iOS 9.0 ou posterior, então se você tem um “velho” smarpthone (por exemplo um iPhone 4), você não será capaz de instalá-lo. Isto não é surpreendente, pois é uma plataforma nova e inovadora que utiliza um poderoso software gráfico em tempo real que requer um sistema operacional mais sofisticado do que as versões anteriores à versão 9.

Para outros dispositivos, os requisitos de compatibilidade são os seguintes.

Para outros dispositivos, os requisitos de compatibilidade são mais flexíveis.

Vamos ver abaixo como obter e instalar a aplicação de negociação Option IQ.

A primeira coisa a fazer é encontrar a Opção de QI entre as aplicações da loja (App Store ou Google Play). Uma vez encontrado, clique no botão que lhe permite instalar a aplicação.

Pesquisar a opção de QI no Google Play
A segunda coisa a fazer é inscrever-se. Alguns detalhes, incluindo um endereço de e-mail e uma senha à sua escolha.

Assine a opção de QI

Neste ponto, você pode iniciar a aplicação IQ Option e negociar em modo demo ou real.

Hoje você tem que ser exigente. Há muita concorrência e a tecnologia tem feito grandes progressos, então se um corretor é muito popular e renomado, ele não pode se dar ao luxo de não oferecer uma aplicação de negociação atualizada que seja rápida e funcional, prática e fácil de navegar. Todos têm um dispositivo móvel e quem negoceia, investindo o seu dinheiro, deve ser capaz de manter os seus fundos sob controlo a todo o momento, sem problemas.

iq option aplicaciones - Melhores aplicativos para Trading [2020]

Portanto, a primeira coisa a considerar no comércio de aplicações é a estabilidade. Note que a estabilidade pode depender de vários factores, incluindo a compatibilidade. Certifique-se de que a aplicação é compatível com o sistema operacional do seu dispositivo, o que você pode descobrir lendo as informações incluídas nos detalhes da aplicação.

Depois de procurar um aplicativo de varejo na loja, clique em seu ícone e depois leia as informações na mesma página do botão “get”, “install”, ou “open” (caso você já tenha instalado).

Além das informações publicadas pelos desenvolvedores, dê uma olhada nas revisões, apontando quaisquer problemas com determinados dispositivos. Se você está tentando uma aplicação comercial, não se esqueça de adicionar uma revisão honesta da sua experiência, destacando tanto os aspectos positivos quanto os negativos. Primeiro, partilhe informações sobre como funciona, depois passe à acção e, finalmente, às minúcias.

Mejores aplicaciones para Trading [2020]

Para operar en los mercados financieros no se necesita necesariamente una computadora, una ubicación fija. Hoy en día, se puede comerciar en línea a través de aplicaciones móviles ofrecidas por los mejores corredores de la industria. Por supuesto, un monitor grande es cada vez más cómodo para los ojos, pero como sabes, tanto los smartphones como las tabletas tienen ahora pantallas óptimas para cualquier actividad.

Las aplicaciones de trading también le permiten evitar el acceso a la plataforma a través de su navegador por dos razones. En primer lugar, porque acceder a las plataformas de navegación desde el móvil no es cómodo cuando se puede encontrar la pantalla con los detalles en pequeño; en segundo lugar, porque una aplicación está especialmente diseñada para que todas las operaciones y la usabilidad sean mucho más prácticas y cómodas.

Así que cuando un buen corredor ofrece la posibilidad de comerciar a través de aplicaciones, puede estar seguro de que se trata de una solución de calidad que le permite comerciar y seguir los gráficos de sus inversiones con comodidad y sencillez.

Lista de las mejores aplicaciones de comercio en línea

En esta lista, insertamos las mejores aplicaciones de comercio en línea que hemos seleccionado y probado en Italia. Para descargar una aplicación, puede proceder haciendo clic en la plataforma deseada.

Visitando las tiendas de aplicaciones, algunas plataformas comerciales destacan más que otras. El primero en aparecer suele ser el de etoro, también por esta razón el más revisado. Los demás siguen, aunque merecen más espacio. No confíes simplemente en la posición de una tienda de aplicaciones en la tienda de aplicaciones, sino pruébalo por ti mismo, más aún cuando es gratis y sin compromiso.

Uno de los mejores corredores que ofrece una aplicación de operaciones es, sin duda, eToro, que se especializa en operaciones sociales.

Si desea más información puede ver las mejores aplicaciones para trading desde esta página.

La aplicación de eToro en la tienda

Es la plataforma de comercio social más importante, es decir, la combinación de actividades de comercio y de redes sociales. Los usuarios de eToro pueden, de hecho, comunicarse entre sí y crear foros. Además, existe la posibilidad de copiar el trabajo de otros comerciantes automáticamente.

app trading etoro descarga - Mejores aplicaciones para Trading [2020]

Plus500, la aplicación para operar con CFD

Por supuesto, tienes que empezar con la aplicación Plus500. Esto se debe a que es una de las plataformas de comercio CFD más utilizadas en el mundo, además de ser la más apreciada y revisada en las tiendas de aplicaciones móviles.

Para encontrarlo, sólo tiene que hacer clic aquí o escribir “Plus500” o “comercio electrónico” en la barra de búsqueda de la tienda. Para instalarlo en su dispositivo, puede hacer clic en instalar.

Una vez que la instalación se haya completado, puedes hacer clic en “Abrir”.

La aplicación Plus500

Al hacer clic en “abrir” la aplicación se lanza y nos muestra los modos de cuenta disponibles.

Seleccione un modo de cuenta en Plus500Para practicar con una demostración gratuita, podemos hacer clic en “modo de demostración”. Podemos entonces registrar una nueva cuenta o entrar, dependiendo de si ya está registrado o no.

Cuando termine de registrarse, aparecerá un mensaje diciéndonos que leamos el mensaje de bienvenida. Si haces clic en OK, serás transferido a una página web oficial con el mensaje de bienvenida.

plus500 app - Mejores aplicaciones para Trading [2020]

Le recomendamos que lo lea.

En este punto, para lanzar la plataforma, simplemente salga de la página de mensajes y abra la aplicación desde su dispositivo portátil (haciendo clic en el icono creado con la instalación).

Cuando se lanza la plataforma, Plus500 nos informa de que se ha añadido una suma de dinero virtual a su cuenta. Con esta suma se puede practicar sin riesgo, en las mismas condiciones que la cuenta real.

Una vez que el mensaje se ha ido, todo lo que queda es admirar la belleza de la plataforma con la que se puede operar de forma práctica y rápida, sin demasiados adornos.

Un gráfico de la aplicación comercial Plus500

Descontado decirlo, pero con la aplicación todo es pantalla táctil, así que sólo hay que hacer clic en los botones para abrir las posiciones, elegir las herramientas, ver los gráficos deseados, etc. La aplicación de inversión de Plus500 cuenta con todas las funciones disponibles en la versión de escritorio.

plus500 app trading mini - Mejores aplicaciones para Trading [2020]

IQ Option, aplicación de trading de opciones y CFDs

Pasemos a otra de las mejores aplicaciones comerciales de la zona. La aplicación de IQ Option, un broker especializado en opciones binarias, opciones clásicas y ahora CFDs, está muy bien hecha y en la cima de la industria por sus gráficos y funcionalidad.

Una de las ventajas de la aplicación IQ Option es que también puedes probarla en modo demo, sin depositar. Una desventaja, sin embargo, es que para los dispositivos de Apple requiere iOS 9.0 o posterior, por lo que si tienes un smarpthone “viejo” (por ejemplo un iPhone 4), no podrás instalarlo. Esto no es sorprendente, ya que se trata de una plataforma nueva, además de innovadora, que utiliza un potente software de gráficos en tiempo real que requiere un sistema operativo más sofisticado que las versiones anteriores a la versión 9.

En el caso de otros dispositivos, los requisitos de compatibilidad son los siguientes.

Para otros dispositivos, los requisitos de compatibilidad son más flexibles.

Veamos a continuación, cómo conseguir e instalar la aplicación de comercio de la Opción IQ.

Lo primero que hay que hacer es buscar la opción IQ entre las aplicaciones de la tienda (App Store o Google Play). Una vez encontrado, haz clic en el botón que te permite instalar la aplicación.

Buscando la opción IQ en Google Play
Lo segundo que hay que hacer es inscribirse. Algunos detalles, incluyendo una dirección de correo electrónico y una contraseña de su elección.

Suscríbase a la aplicación IQ Option

En este punto, puedes iniciar la aplicación Opción IQ y operar en modo demo o real.

Hoy tienes que ser exigente. Hay mucha competencia y la tecnología ha hecho grandes progresos, por lo que si un corredor de bolsa es muy popular y renombrado, no puede permitirse no ofrecer una aplicación de comercio actualizada que sea rápida y funcional, práctica y fácil de navegar. Todos tenemos un dispositivo móvil y los que comercian, invirtiendo su dinero, deben poder mantener sus fondos bajo control en todo momento, sin problemas.

iq option aplicaciones - Mejores aplicaciones para Trading [2020]

Por lo tanto, lo primero que hay que considerar en el comercio de aplicaciones es la estabilidad. Tenga en cuenta que la estabilidad puede depender de varios factores, incluida la compatibilidad. Asegúrate de que la aplicación es compatible con el sistema operativo de tu dispositivo, lo que puedes averiguar leyendo la información incluida en los detalles de la aplicación.

Después de buscar una aplicación de comercio en la tienda, haz clic en su icono y luego lee la información en la misma página que el botón “get”, “install” o “open” (en caso de que ya lo tengas instalado).

Además de la información publicada por los desarrolladores, eche un vistazo a las reseñas, señalando cualquier problema con ciertos dispositivos. Si intentas una aplicación de comercio, no olvides añadir una reseña honesta de tu experiencia, destacando tanto los aspectos positivos como los negativos. Primero, comparta información sobre cómo funciona, luego pase a la actuación y finalmente a las minucias.

5 best binary options trading sites on the internet for 2018

binary - 5 best binary options trading sites on the internet for 2018

What are binary options?

Binary options are often referred to as “all-or-nothing options”, “fixed return options” or “digital options”.  Aptly named because they are financial options in which the return on your initial trade is either a fixed monetary pay-out determined at the time of the trade (much like that of a bet) or zero!

The top 5 binary options sites on the internet for 2018:

This is a trading robot and is one of the best ones on the market to start with and try out.
This binary robot has loads of excellent reviews and good returns and has already got a user base of over 5000 people since its launch at the beginning of 2017.
Minimum deposit $250
Allows minimum trades of $20

  • BD Swiss
    Have an innovative trading platform which is most popular with traders and also comes highly recommended as an exceptional broker with a high potential for great returns.
    Minimum deposit of $10
    Allows minimum trades of $1
    It is offered on both the PC platforms and is mobile adaptable and can be used on tablets or smartphones, so you can trade on the go
  • IQ Option

IQ Options comes in as one of the most highly recommended, regarded and reviewed trading sites on the internet.
It has been around since 2013 and gains strength in support and traders each year.
It has a minimum deposit of $10

  • Allows minimum trades of $1
    It is offered on both the PC platforms and is mobile adaptable and can be used on tablets or smartphones, so you can trade on the go
  • com
    Is one of the oldest binary trading sites around, it has established traders.
    With a unique trading platform that offers a host of extra tools.
    It has a minimum deposit of $10
    Allows minimum trades of $1
    It is offered on both the PC platforms and is mobile adaptable and can be used on tablets or smartphones, so you can trade on the go
  • Binomo
    Stands out from the rest of the binary options sites as it has its own unique and easy to follow trading platform.
    Their demo account is really great, and it gives traders $1000 free virtual money to practice your trades with. There is a sign-up bonus with a minimum sign up of $50 whereby you get an extra 25%
    Allows minimum trades of $1
    It is offered on both the PC platforms and is mobile adaptable and can be used on tablets or smartphones so you can trade on the go

Conclusion

Binary options can be quite a lucrative trade, but it is always best to try out sites that have a free demo account first.  When trading on these sites always keep in mind that any form of trading involves high risks and that your money is at stake.

What is bitcoin and how does a person use it?

bitcoin - What is bitcoin and how does a person use it?

Bitcoin

Like most computer systems and software, a lot of people are finding the concept a little hard to grasp.

The basics of Bitcoin

The getting started with Bitcoin is actually the easy part and can be done without anyone understanding even the basics of the concept. In our understanding Bitcoin is like an emailing system but instead of messages, you are sending a form of cyber currency.   An unlike normal email addresses you can only, or rather should only, use a bitcoin address once.

Getting started

You first have to choose how you want to create your Bitcoin wallet.

  • Desktop – download the software to your pc or laptop, the system caters for Linus, Windows and Mac formats
  • Mobile devices – from an app store you can download the version that suits your device, the supported systems being Android, Blackberry, IOS and Windows Phone formats
  • Or you can create a Web wallet

Once installed on the device of your choice you will get your first Bitcoin address generated, if you need more you can create them as and when required.  This is the address you disclose to whomever you wish to make a payment to or get a payment from.  These addresses should only ever be used once.

The processes

Block Chain

The Block Chain is a public ledger that is shared and is what the Bitcoin network is reliant upon to function.  This block chain has every single confirmed transaction logged in it.  This enables all Bitcoin wallet to be able to know their spendable balances and verify new transactions.

Mining (Processing)

This is a system used to verify transaction that is waiting to be processed and includes them in the block chain, it also enforces a chronological order in the block.  Very strict cryptography rules prevent blocks from being changed.

Private keys (Transactions)

Values transferred between Bitcoins wallet is a transaction and this is included in the block chain.  Each wallet keeps a “private key” this is the signature the transaction is signed with to provide evidence of the transaction and the origin of it.  The signature is also what stops the transaction being altered by anyone once it has been sent through.  Proof of transactions is sent to both parties and are usually confirmed within a time frame of about ten minutes and this is done via the mining process!

Conclusion

The best way to get acquainted with Bitcoin is to actually install it and try it.  Once you have gone through a transaction or two, the basics of how it works will fall into place.

5 ways to get your retirement fund into shape

retire2 - 5 ways to get your retirement fund into shape

Research suggests that most people are worried they do not have enough for retirement

While some people are counting their pennies, and scraping by the last thing on their minds is their retirement and others with some money stashed away worry that they are not going to make it on what they have.

Here are some tips on how to get your retirement fund on track

#1    Start getting rid of as much debt as possible
For those fast approaching retirements, it is wise to start looking at paying off as much debt as you can, like your house, start cutting down on the use of and paying off credit cards, store cards.  One of the biggest assets you can have is your house, so it is wise to put as much cash into that as you can as even in retirement it potential capital for you.

#2    Beef up part of your investments in a more aggressive plan.
Speak to your investor about splitting your current investments and maybe look at taking some shorter-term ones that have fast high value turn over.  Just remember that if you do make a profit on these to put at least half of it away if you are looking to continue to trade.

#3    Try getting an extra income
There are many jobs people can do from home these days and online to supplement your income to either put-away or help pay off debt a lot faster.

retire - 5 ways to get your retirement fund into shape

#4    Look into various tax-free IRA’s
IRA’s like Roth IRA can be beneficial for both padding your retirement income and cutting down on your income tax. Although these accounts are usually pushed towards the younger lower income workers a supplemental Roth IRA in your fifties has great tax advantages.

#5    Open a health savings account
The health saving accounts are even more tax beneficial that the Roth IRA and your contributions to these accounts are tax deductible.  If you can save enough money on these accounts, you have a good medical fund for your retirement.  Unused funds get rolled over to every year into the next year, so it is essentially a savings account and over 65’s are able to withdraw cash from them for other expenses besides the medical ones.

Conclusion

It is never too late to start saving and even if you have just turned 50 or still in your early 50’s with the new retirement rules coming into place these days extending the workable ages you may just be able to squeeze an extra few years onto your plan.

How will climate change impact the value of the coastal property?

climate - How will climate change impact the value of the coastal property?

Homeowners are wary of buying at-risk coastal properties

As homeowners start to shy away from prime coastal properties due to the ever-looming threat of rising seas economists are getting set for the economic time bomb getting ready to explode in an already unstable industry.

Dire predictions for Florida due to climate change

With an estimated five-foot rise in sea level by the end of this century would suggest that Florida would be looking at approximately $23 billion of current coastal properties could be underwater by 2050.

Miami Beach has already put a plan of action into play, especially after the last hurricane to rip through Florida.  The rather costly defensive program sees the installation of new pumps powerful enough to drain the floodwaters and the raising of roads to name but a few of the very ambitious solutions.  As Miami Beach is in one of the most vulnerable spots that are affected by extreme weather conditions and in the path of the rising sea levels they are pulling out all the stops as they try to leverage existing resources and develop a solution to this problem that could also be used by other municipalities facing the same challenges.

Even with various municipalities trying to come up with plans and solutions all indicators are pointing to property/land investors looking to invest in higher ground.  Even some Floridians are scampering off to buy properties in places like North Carolina as it is higher ground.
People are no longer looking for the hottest neighborhood these days but the driest and highest about sea level!

Conclusion

The effects of climate change will be felt throughout the entire world, in fact, we are already experiencing them.  Countries that usually have below zero winters are finding the temperatures to be a bit warmer as are the hotter climes in that their seasons seem to be swapping months of the year for instance in South Africa there are reports of Summer weather spilling right into the month of June in 2017.

As natural disaster seem to be on the increase and the wrath of mother nature gets more powerful and devastating more and more people are scrambling to find areas that are not so heavily affected by such storms and other forces of nature.

The trouble with everyone now wanting to move inland and to higher ground is, is the infrastructure in these areas equipped to handle the influx and or are those municipalities planning for such eventualities!

5 ways to save for your child’s future

savings2 - 5 ways to save for your child’s future

The ever-increasing cost of education and living

Parents today are faced with the very high cost of living just in the day to day running of their lives so when education gets added to the list it is enough to give them sleepless nights and stress them out because as parents we all want to see our child get the best education and start in life.

New ways to invest for your child’s future

The good news is, is that finance gurus have families too, so they are forever coming up with new and improved ways to help make a better life for your child.

Here are some of those ideas:

#1    Employers college fund for employees
One of the best ways to ensure that your finances are being put away each month is for them to be taken off your salary at the end of each month.  A lot of companies these days are offering college tuition saving funds for their employees.  There are a few companies that offer smaller private scholarships to employees for their children.

#2    Savings account Most banks these days offer a children’s saving account, with lower management fees and create learning packages.  It is also a teaching opportunity whereby your child can learn how to save and invest at an early age.

#3    Dedicated brokerage accountIt has a lot more flexibility than most other investment accounts and if invested over a long period of time in the correct investment account it has the potential for higher returns that can be used for your child’s future tuition, wedding, etc.

savings - 5 ways to save for your child’s future

#4    The 529 savings account
According to the statistics over half the parents in America are not even aware that this plan exists.  This account gets paid into monthly after tax and is a tax-free account if used to pay for education.They are state-sponsored accounts and a parent is not limited to which state they wish to invest it with.  Parents can also set it up so that the payment is automatically paid over to the account each month from their paycheck.

#5    Tuition that is prepaid
Many states allow parents to pay for their child’s tuition in advance, this means that the parents pay for the tuition at today’s prices no matter what the future cost of the tuition may be.  Some say this is the smarter choice, but it is what the parent can afford and there are also some big downfalls to prepaid tuition.

Conclusion

It is always advisable to start saving for your child’s future from day one but then it is never too late to start either if you have not already.

5 things to know about personal finance

img10 - 5 things to know about personal finance

You are never too old or too young to start taking care of your finances

It does not matter if you have an after-school part-time job or are a pensioner living on a government pension, taking care of your personal finances should be a top priority!

Here are 5 things everyone should know about personal finance:

#1    Learn about TMV (time value of money)
TMV (or time value of money) which is a concept whereby a core principal of finance states that provided money is able to gain interest, any amount of money is worth more now than in the future.
Simply put if you get $50 today and invest it, it will be worth more than that in a years’ time because of interest gained, etc.  But if you got $50 in a years’ time due to money-losing value throughout the year, it will be worth a lot less.

#2    Invest, invest, invest!
For younger people, you should always try to start investing as soon as you can, even if it is a minimal amount.  You can increase it as you can afford to, but it is good to get into the habit of doing so and even better to start building your nest egg sooner rather than later.

#3    Be smart with your money and let it do the work

Be smart with your savings and investments, a good investment and or saving plan could have your money earning for you!  If you could save $100 000 a year with a 10% investment return you are already earning an extra $10 000 a year for doing nothing more than having your money invested.

img11 - 5 things to know about personal finance

#4    Avoid credit where ever possible or at least learn how to make it work for you
Learn about credit before you go taking out loans and credit cards, although a credit card if managed correctly could work for you but managed incorrectly can be quite a costly affair as can loan and store card accounts.  It is always best to ensure you have a great budget and that you know you can afford the monthly repayments of your debt.  Always try to pay any debt off as soon as possible to avoid high-interest rates and the risk of not being able to pay them back at all in today’s unstable climate.

#5    Create and maintain a budget

Most importantly of all is knowing how to create a budget.  Most people hate having to do their personal finances, like balance their chequebooks or do a budget but it is the best way to be able to manage your finances and create projections for various events in your future.

Conclusion

Your personal finances may seem like a pain to have to do each month but at the end of the day it ensures you are able to live, pay your bills and maybe even get to take a holiday or two, buy something you really want because you took the time, made the small sacrifices and kept your affairs in order.

What are the main differences between investing and trading?

img8 - What are the main differences between investing and trading?

Life lessons pave the way to a greater understanding of investing and trading

Although most of us do not even realize it we have actually been trading and investing since an early age.  Do you remember trading an item with a friend for a better or more valuable one?  And saving a penny or two for that thing you really wanted?

Investing and trading are things we have all learned from an early age

As young adults, we come into a world where our pocket money is now our salary only it has to start covering a lot more than our pocket money did.  Some of us learned from an early age that if we saved half of our money on a weekly/monthly basis we may not have been able to buy everything we wanted then and there but in a few months’ time we would have more than enough to buy something better or had a nest egg for that rainy day!  We were already programming ourselves to invest in our futures!

As is the case with trading be it baseball cards for other baseball cards sometimes we would have to trade two or three less common ones for the star piece but once again that start piece could go on to fetch even a bigger price at a later date when the item became even more valuable.

The difference between investing and trading

Although they both can become lucrative tools in the creating of wealth they are two different approaches to getting there even though they both have similar risks and rewards.

#1    Investing is a method whereby investors invest their capital for a long-term period and short-term market fluctuations have no immediate effect on their investment.
Trading is a method whereby the trader will hold stocks for a shorter period, like a week, day or even a month depending on the activity of the stock.

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#2    Investors create wealth by compounding interest over a longer period of time.
Traders buy and sell stock on the fluctuation of the market.

#3    Investing does come with its share of risk, but it is a much lower one than that of trading as is runs on a longer period of time.  Whilst trading involves higher returns over a shorter period of time where the price can drop at any given moment.

#4    Investing is a slower process whereby the investor will keep watch on the stock being held waiting for them to reach their full potential and tend to keep away from the trending markets leaning more towards the ones with potential value.

Traders, however, do faster buy and sell of stocks to get the higher profits but this also means that making a move on the stock at the wrong moment could lead to potential losses!

Conclusion

Both investing, and trading has risks and rewards it is an individual choice as to which one best suits their needs.

The top jobs to have on Wall Street!

img7 - The top jobs to have on Wall Street!

The gold paved Wall Street!

Wall Street to many investment bankers, traders, etc. is what Hollywood is to actors and let’s face it those who do make it big on Wall Street actually live like rock stars, actors and some even like kings or queens.

Making it big on Wall Street

You are not going to get one of the top jobs on Wall Street by pouring over the classified ads, nor do they get passed through your run of the mill employment agencies.  Although you don’t really have to be a big Wall Street boss’s nephew or niece to land one of those top prestigious jobs, it is going to take a whole lot of nerves of steel and skin thicker than crocodile leather as you fight your way into one.

We have listed some of the top Wall Street positions:

#1    Celebrity Stockbroker
If you can take some form of verbal abuse on occasion, be hounded by the press and don’t mind being part of a flashy entourage and want to hob-knob it with the stars, this is a job you could possibly set your sites on.

#2    Mutual Fund Manager
If it is the thrill of chasing and closing that big deal as you take on millions of dollars in mutual fund assets then this is the job for you.  This career can have you riding high with huge investments on the line and very lucrative high-value returns that could fill yours as well as your client’s pockets with gold.  But this is not a job for the faint of heart because one mistake could send you hurtling into the street with not even the shirt on your back.

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#3   Financial Media Personality
If it is recognition, prestige and financial stability you are looking for then a Media Personality is the position you may seek.  These are the men and woman who are captured behind the cameras on the daily or weekly news channels and podcasts.

#4   Investment Banker
Investment Banking took a bit of a nose dive in 2008 but it is still considered one of the most prestigious Wall Street positions and is still a sure route to making a small, if not amassed, fortune especially if you are able to get into the right firm at the right time.

#5   Hedge Fund Manager
Although once considered to be smarter than the average broker and able to turn in bigger profits, they have recently come under a lot of fire making investors reconsider their options.

Conclusion

Wall Street is a tough cut-throat environment one in which you are not going to make it to the top by sheer luck or sitting meekly at a desk.  It is a place where you reap what you put in and to succeed is going to take sheer will, determination and a great deal of hard work whilst constantly keeping an eye open for that moment of opportunity!