Monthly Archives: October 2010

What To Know Before Selecting An Online Forex Trading Course

As trading on the Forex system becomes much more popular and involved, the need for an online Forex trading course has never been more important for new investors. Quite often, new investors are prone to lose money and often make careless mistakes with their money as they understand very little of the basic system. Without falling into the trap of using system generated trading devices and letting someone else do the work for you, one must use these courses to gain a thorough understanding of how to successfully navigate through the system. When selecting a course to take, one should understand a few facts prior to making their selection.

Any Forex course that will provide the most success will provide very specific and tailored strategies. Basically, beyond just learning about the Forex system, there should also be guidance as to how to make sound and important investment decisions. Upon learning both facets of this course, one can quickly become a successful investor.

One of the best forms of training anyone could receive is from an actual live and active broker. Quite often, they are able to provide insider tips and training to help make wise and guided decisions. Also, this educational tool is often much more personal and allows someone to learn in a more private and paced setting.

The online Forex trading course one selects should also be able to actually either participate in or see live trading events. This is often the very best method of learning and truly covers most of the gambit of how people learn. Being able to participate and watch live investment decision is a key element in gaining exposure to the entire system.

Also, an online course should include live and real time support. During the learning and training process, there are bound to be a plethora of questions which should be answered immediately. Any amount of clarification of any given topic should be offered at all times during the training process.

The course that is taken should begin with a very basic virtual tour of the Forex system as well. A step by step guidance of how to log in and actually make purchases is actually something that makes for an incredible learning curve for any potential investor. By seeing a guided and live tour of the entire system, one can make mental and live notes of what is pertinent to their investing decisions.

The online Forex training course process is actually quite enjoyable. If utilized properly, this training could open up several doors of opportunity. Use this process wisely for an incredible trading future.

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Kredit vergleich – valuta forex

Screen of the Week 10/26/2010: Price to Sales Ratio

This week, I’m going to focus on one of my favorite valuation metrics for determining a company’s under or overvaluation. Let’s first start with a definition. The Price to Sales ratio is simply: Price divided Sales

If the Price to Sales ratio is 1, then that means you’re paying $1 for every $1 of sales the company makes. A price to sales ratio of 2 means you’re paying $2 for every $1 of sales the company makes. As you might have guessed, the lower the Price the Sales ratio, the better. A price to Sales ratio of .5 means you’re paying 50 cents for every $1 of sales the company makes. And paying less than a dollar for a dollar’s worth of something is a good bargain.

One of the reasons I like the Price to Sales ratio is because it looks at sales rather than earnings like the P/E ratio does. And sales are harder to manipulate on an income statement than earnings. Secondly, I’d be hard pressed to find a screen where adding the Price to Sales ratio didn’t improve it.

For me, I prefer to look for stocks with a Price to Sales ratio under 1. Although, I’m willing to go up to 4, depending on the industry. But I’ve found that the best way to use it is to find stocks with a Price to Sales ratio below the median for its Industry.

And that’s what we’ll be focusing on in this week’s screen. Let’s first start with:

* Zacks Rank less than or equal to 2

(Only stocks with a Zacks Rank of a Strong Buy or Buy get through.)

* Projected Growth Rate greater than or equal to Projected Growth Rate for the S&P

(Above market growth rates.)

* Last Earnings Surprise greater than 0

(Positive EPS Surprise)

* Last Sales Surprise greater than 0

(Positive Sales Surprise)

* Price to Sales less than or equal to Median Price to Sales for its Industry

(Valuations that are lower than their Industry.)

* Price greater than or equal to $5

* Avg. 20 Day Volume greater than or equal to 100,000

Here are 5 stocks from this week’s list:

* DPZ – Domino’s Pizza, Inc.
* GILD – Gilead Sciences, Inc.
* HUN – Huntsman Corp.
* UFS – Domtar Corp.
* DIOD – Diodes Inc.

Disclosure: Officers, directors and/or employees of Zacks Investment Research may own or have sold short securities and/or hold long and/or short positions in options that are mentioned in this material. An affiliated investment advisory firm may own or have sold short securities and/or hold long and/or short positions in options that are mentioned in this material.

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Financing For Small Businesses-Options If You Don’t Accept Credit Cards

The last two years have been a long road for those entrepreneurs seeking funds for small businesses. Many firms have seen their bank credit lines canceled or withdrawn in the face of tightening underwriting regulations and the reluctance of banks to lend despite the cheap money the government has made available.

The first best choice for any business is an SBA 7a loan. This is the most versatile loan that the SBA currently guarantees and is designed to meet a variety of business purposes. The new bill passed by Congress was designed to help the variety of these loans available by raising the government guarantee against default to 90% of the funded amount for many types of businesses. The unfortunate reality for many businesses is that many banks and non-bank lenders are not lending or approving loans, even with increased government support. Because the SBA does not actually make any loans, but only guarantees them against default, the end lending decision rests with the bank. The government cannot force them to make loans.

Businesses who are in need of replenishing their working capital or in need of getting a small business loan have largely been abandoned by traditional large banks. As confidence in the small business sector has waned, few lenders have the know-how to underwrite and effectively manage default risk in today’s uncertain environment. In some cases, credit unions have stepped in to fill the void with a more member-centric approach for those businesses that are in their member base. Usually, the rates and terms of these loans are extremely competitive in comparison to most of the sources of capital.

Another option for businesses is the merchant cash advance that is marketed by different payment processors as well as merchant cash advance companies. This option has the flexibility of being able to handle a variety of credit situations. This type of capital is not a true business loan, but rather, an ‘advance’ on future credit card receivables purchased at a discount to their actual value. An example would be a company “advancing” $75,000 and collecting back $100,000 worth of credit card revenue. As you can see, the effective rate is 25%. Because cash advance loans are not regulated as true loans, there is usually no upward legal limit on the amount of interest they can collect, unlike a traditional business loan. In many cases, merchant cash companies will charge rates as high as 50% and require a company to switch their credit card processor.

Luckily, there are new cost effective and flexible options available for businesses that use credit cards, or operate on a cash basis, or a combination of both. While no one size fits all lending option that is perfect for every scenario, businesses should take the time to consult with an expert prior to making any move. Any type of business company finance is a lasting decision that can have permanent consequences, and should be taken with understanding and caution, even if the situation is urgent.

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