This video talks about short selling. There are many who want to blame short selling for the collapse in 2008. This videos discusses that if anything it is the opposite. There are resources at the bottom of the article.

Gordon Brown & Henry Paulson are blaming speculators ( scapegoats ) for the economic crash, the ban on short selling does not stop the fall of bank stocks because investors are dumping their own bank stocks, the current free market capitalist system is not “free” but rigged by those in power ( deregulations ), martial law, hyperinflation, the collapse of the financial systems looks like a controlled demolition, the “paulson plan” 700 billion bailout is a financial power grab similar to the patriot act, the unregulated banking system of derivatives is called the shadow banking system, recorded on September 27th 2008
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the whole audio is at . . .

http://karmabanqueradio.com/2008/09/27/975-the-truth-about-markets-27-september-2008/

Resources:

Inestopedia: What Is Short Selling?

Wikipedia: Short (finance) Stock Market
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Duration : 0:9:55

Forex trading has become increasingly attractive to many people in recent years. The attraction of potentially higher returns has people looking at forex trading. This video is from a company that offers this service. You should make sure and consult with a professional prior to using any Forex trading strategies.

Free Retirement Plan Forex Trading Robot

Forex trading, also known as FX trading, is trading that is done in the foreign exchange market. This is a form of trading that is used to exchange internationl currencies. Buyers and sellers operate around the clock, other than weekends, in this market.  This is a very volatile market that holds the possibility of high returns but also big losses.

Something called a Forex Trading Robot has become popular recently. This is a program that executes trades based on a series of inputs or signals. This has the advantage of being able to operate 24 / 7 but has the disadvantage of the elimination of the psychological element of trading which can sometimes be a problem.

forex opportunity invest in your future with forex the forex offers forex opportunities to establish wealth creation. the forex offers great retirement benifeits ,the forex offers bussiness opportunities for individuals who like marketing opp’s

Duration : 4 min 26 sec

Disclosure

Resources:

Wikipedia: Foreign Exchange Market

Investopedia:What Is Forex Trading

Forex trading is an investment option that is not for the faint of heart. This article discusses Forex trading which is something that is suited for experienced investors only. Do not attempt the strategies discussed in this article without the help of a professional or unless you are an experienced investor.

Free Retirement Plan Forex Trading

Few people realize the benefits of Foreign currency trading over normal investments in stock or otherwise. This is mainly due to a lot of misconceptions about forex as a whole. Forex is an excellent avenue for investments, and if you play it right, you could substantially increase upon your investments. First, it is very important understand what forex currency trading actually is. Trading in forex means trading in currency or foreign exchange. It’s basically a trading form that capitulates in the difference of values between two different currencies.

Currencies owned by two separate countries will have a different value with respect to each other. Now taking the respective values of a US Dollar and British Pound, ?1 equals $1.59. If you were to buy $159 worth of pounds, that is, ?100, and the next day the currency values fluctuated and 1 equaled $1.61, you would have a profit of $2. This may seem small now, but the volumes in which people conduct Fx trading is very large and this slight change can result in huge profits and losses. These variations depend on a number of factors. If you do your study well and make your investments safely, you can eliminate the risk of loss substantially.

Advantages

Fx trading market is open twenty four hours, seven days a week. Money never stops and that is why you have an amazing freedom when you trade in currency. Foreign exchange trading is different from trading in stock where you have to deal and trade throughout the day. For the people who have other full-time jobs, this can be quite tiresome. They cannot devote as much time as they want to their investments. This is troublesome, because if you aren’t fully involved, you could make a slip up and incur losses. With forex trading, you don’t have to worry about such problems. The market is open always and you can check your investments all the time.

The next great advantage in Foreign exchange trading is that of leverage. Leverage means that you only need a particular sum of money to take part in a trade or a deal. So, if the leverage is 20:1 on a trade worth $10,000, all you need is $500 to take part in the trade. This is an excellent thing that gives you the advantage of taking part in deals that will give you immense profit.

With forex trading, you can set the limit of your own losses, to the point up until which you are willing to bear them. So, if the currency you’re investing in falls to that point, you automatically withdraw. This means that with leverage you have a chance of taking part in big deals with small capital. Imagine that in the above example of pounds and dollars, the deal was for $159,000. You can get leverage up to 32:1, so the profit is humongous. You can engage in these deals if you can come up with just 1/32 of this amount.

Understanding the complexities of Forex Trading is very important prior to making any attempts at these strategies. Make sure and consult your financial professional or adviser before attempting.

Disclosure

Resources:

Wikipedia: Foreign Exchange Market

Investopedia: Foreign Exchange Market Questions

how much is this health care reform actually going to cost…what is the financial planning…? and what can you forecast about this healt care reform..? what do you think is it good or bad having this reform?

It is a HORRENDOUS bill, and does NOT go after what all is wrong with the present system. Cost……………it will cost FAR MORE than what the WH tells you. Just look at the track record of any entitlements from the Fed Gov’t, the costs have ALL spiraled out of control. Furthermore, they HID many costs in OTHER LEGISLATION that should have been included in this HC bill.

A structures settlement annuity is usually the result of litigation in which one party receives a court-ordered financial award. Learn about structured settlement annuities with information from a registered financial consultant in this free financial planning video.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:8

Religion can have an impact for financial planners in that it can provide a level of assurance to clients that someone is looking out for their best interests. Find out why it’s important for people to let go of the idea of control when it comes to finances with help from a financial strategist and consultant in this free video on religious financial planners.

Expert: Ted Schmidt
Contact: www.flgus.com
Bio: Ted Schmidt has spent the last 21 years as a financial strategist and consultant. He is active in the Hendersonville Chamber of Commerce and the Real Estate Investors of Nashville.
Filmmaker: Dimitri LaBarge

Duration : 0:3:39

In the world of financial management there are several phases. This article examines the part called wealth accumulation. The phase of wealth accumulation is the part that if it is not accomplished will mean that there is no retirement. Additional resources are contained at the end of this article.

Free Retirement Plan Wealth Accumulation

This is the phase that everyone wants to talk about but few do anything about. The news and popular media talk about wealth and the trappings that go along with it. Popular culture, movies and entertainment tout the benefits of large houses, cars and expensive toys. Rarely do they talk about true wealth and how to accumulate it.

Getting Started .

Let’s get to the nitty gritty of it all. There are a few steps that you need to take before you even get started:

1. Write down every dollar that you spend over the next month. Examine why you have each expenditure, and is it necessary? Could you do without it?
2. Examine your debt. What can be reduced? Put your debt in two lists. Sort one list by size and the other by interest rate. Payoff the small debts first. Create some small successes. As you pay some smaller debts off, look to also eliminate some of the higher interest loans.
3. Make sure and pay your biggest fan first, YOU!! You should save at least 10% of your salary with the goal of taking that to 20%
4. Set a goal of giving 10% of your earning to the charity of your choice. For many that may mean donating your time in the beginning. Use your earnings per hour in your career as a guide.
5. Take advantage of all three of the savings buckets available: Tax deductible savings – Employer sponsored plans. Tax deferred savings – Life insurance, ROTH IRA’s. Taxable savings – These are plans like passbook savings accounts, CD’s and money market accounts. Used for emergency savings.

This is the most important phase that most overlook. You will want to have a liquid account with a value that equals 6 months of your necessary expenses. This is in the event of a job loss, illness, natural disaster etc. so that you household could maintain itself for that period.

The other goals that you will want to accomplish, is to have paid off all your debts that are attached to major purchases over the period of 18 to 36 months. The only debt that should remain is for housing. The goal would be to have housing debt paid off within 48 to 60 months. You would then want to stretch the life of these purchases to 10 to 15 years.

Once you have accomplished all of the goals, except housing, you can move that cash flow towards retirement savings with a vengeance. When housing is paid off, then that should represent a quantum leap in your retirement savings. A key element is to avoid the temptation of “keeping up with the Joneses”. This can mean doing things a little different than others. An example would be cooking your own meals rather than eating in restaurants the majority of the time. Take the difference and apply it to your retirement plan, saving or debt reduction. Spending money on self-improvement is more productive than spending money on entertainment. Each expenditure should be examined and the decision made it this more important than meeting our risk based or retirement needs.

These are decisions that should be continually reviewed. As income increases and / or debt and expenses are decreased you must reallocate your net income.

What is my chosen career?

When making a career choice, keep in mind this is what you are going to do for the next 35 to 40 years of your life. It is important that you make a choice that you will be able to stay with and not lose your sanity. There are many assessments that will help you best determine a career that suits who you are. It is better to chose something that works toward your natural strengths.

Trial and error may come into play. You may have to try a number of jobs before you find the career that will be the right one for you. Career selection is a highly personal choice. For some being able to work outdoors and not be confined to an office is desirable. These jobs become less desirable as a person ages. Usually these careers pay more in the early years, relative to office jobs. This career path requires a level of physical fitness and somewhat less mental fitness. Over time the physical activity becomes harder to maintain and even harder to increase. On the other hand, an office career usually starts out relatively lower in pay. However, over time it becomes easier to increase one’s mental capacity instead of rather than physical ability. This however also comes with a price. A sedentary life style has negative effects on one’s physical health. It may be desirable to schedule exercise as a part of your off time.

Post high school education will not guarantee you a higher salary, but it will help. Either trade or vocational schools or colleges and universities will improve your opportunity to earn more over time. Both of these will require a financial commitment. For an initial period even after your education is complete you may not make as much as those with less education or training. This will be offset over time. The important thing is to get education in an area that you feel you will be able to work in throughout your working career. The next thing to remember is to be prepared to change directions later in life.

Post retirement

Technology will change things as you age. Things that were necessary to society and highly valued may become worthless as you grow older. Buggy manufacturers in the 1800’s were prized but today are very valued. Typewriters in the 1960’s and 1970’s were an important part of business, but today you can’t give them away. Continued study and willingness to adapt will serve you well throughout your career. As science continues to increase our productive lifespan, this may even become necessary.

In the early 20th century, the life expectancy for the entire world was 30 to 40 years. In 2008, the average life expectancy of the world is 66.12 years of age. The United States has a much higher average. The current average life expectancy for the United States is 78.06 years. This means since 1900 life expectancy has increased by 66%. In 1900 you were even expected to live to the current retirement age of 65. Many insurance companies are basing their insurance policies on an age of 120. If this were to happen, it would mean that savings of 35 to 40 years would have to support a life style that would last for 55 years past retirement. You will either have to choose a longer working career, a part-time career, a higher savings rate, or a lower standard of living after retirement or some combination.

Another factor to consider is inflation. Let’s assume you have a retirement income need of $5,000 per month. If we use an age of 65 and assume a life expectancy of 90 having an inflation rate of only 3% will increase that income need to $10,468 per month.

Health insurance is another often overlooked factor. Health insurance costs are rising faster than inflation. This means either you will have to make health insurance a part of your retirement package from your employer, plan for rising costs that will outpace your investment earnings or continue to work for insurance benefits. This along with the cost of home health care in the event of a chronic illness or injury could wipe out your entire retirement nest egg

Summary of How to Achieve Retirement Success

In summary, there are several things to take into account when preparing for retirement.

1. Take advantage of your most valuable asset, TIME! The earlier you get started the sooner compounding can help you.
2. Starting with a relatively more aggressive allocation in younger years and then gradually becoming more conservative as you get closer to retirement is an advisable strategy.
3. Eliminate debt as early as possible.
4. Create a systematic strategy towards eliminating debt and savings.
5. Pay yourself first.
6. Educate yourself.
7. Be flexible
8. Make decisions based a long term strategy.
9. Consistent returns are better than extreme highs and lows

You should always seek the advice of a financial professional prior to making changes in your financial plan. The examples contained in the above article may or may not match your personal situation.

Disclosure

Resources:

EHow

Investopedia

Annuities work through accumulation and distribution periods. Discover the phases of annuities with tips from a registered financial consultant in this free financial planning video.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:19

I attended a free financial planning seminar led by David Ansbro. David spent 3 hours on a Saturday morning to share his insights into financial planning. The seminar was free but the wisdom he shared was priceless. What stood out to me was that David wasnt selling anything. He simply hoped to impart his insights with people who needed it the most but often cant afford it. Davids clients are the cream of the crop. Yet, David has a heart for seeing people live their financial dreams.

Duration : 0:4:45

Financial planners typically work in the insurance industry, the mortgage industry or real estate, but some are general practitioners. Discover the benefits of financial planners having a broad base of knowledge with help from a financial strategist and consultant in this free video on financial planner jobs.

Expert: Ted Schmidt
Contact: www.flgus.com
Bio: Ted Schmidt has spent the last 21 years as a financial strategist and consultant. He is active in the Hendersonville Chamber of Commerce and the Real Estate Investors of Nashville.
Filmmaker: Dimitri LaBarge

Duration : 0:2:41