MICRO CAP STOCK

The term "micro cap stock" applies to companies with low or "micro" capitalizations, meaning the total value of the company's stock. Micro cap companies typically have limited assets. For example, in cases where the SEC suspended trading in micro cap stocks, the average company had only $6 million in net tangible assets — and nearly half had less than $1.25 million. Micro cap stocks tend to be low priced and trade in low volumes.

No Minimum Listing Standards Companies that trade their stocks on major exchanges and in the NASDAQ Stock Market must meet minimum listing standards. For example, they must have minimum amounts of net assets and minimum numbers of shareholders. In contrast, companies on the OTCBB or the Pink Sheets do not have to meet any minimum standards.
Risk:
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While all investments involve risk, micro cap stocks are among the most risky. Many micro cap companies tend to be new and have no proven track record. Some of these companies have no assets or operations. Others have products and services that are still in development or have yet to be tested in the market. Another risk that pertains to micro cap stocks involves the low volumes of trades. Because micro cap stocks trade in low volumes, any size of trade can have a large percentage impact on the price of the stock.


The Off-Shore Scam:
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Under a rule known as "Regulation S," companies do not have to register stock they sell outside the United States to foreign or "off-shore" investors. In the typical off-shore scam, an unscrupulous microcap company sells unregistered Reg S stock at a deep discount to fraudsters posing as foreign investors. These fraudsters then sell the stock to U.S. investors at inflated prices, pocketing huge profits that they share with the microcap company insiders. The flood of unregistered stock into the U.S. eventually causes the price to plummet, leaving unsuspecting U.S. investors with enormous losses.

TIPS & FACTS OF ONLINE TRADING

Faster Internet connections along with the ubiquity of personal computers allow an increasing number of investors to manage their finances online, at virtually any hour of the day or night. While online trading can be a “hands-on” learning experience for investors, it may not be appropriate for everyone. Whether you manage your investments on your own via the Internet or by working in person with a broker or investment adviser, it is essential that you know what types of securities you are purchasing, how they meet your investment goals, and the risks associated with each investment.


Tips for on line investers:
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The following tips were developed by the North American Securities Administrators Association, Inc. to educate investors and to help them think carefully about online investing.

Before beginning an online investment program, be sure to:

Understand that most likely you are not linked directly to the market through your home computer and that the click of your mouse does not instantly execute trades or cancel orders.

Determine if the stock quotes and account updates you receive are real-time or delayed.

Check the on-line broker’s ability to get the best price for investors. Most brokerage firms provide this information on their website.

Receive information from the firm to substantiate any advertised claims concerning the ease and speed of online trading.

Obtain information about entering and canceling orders (market, limit, and stop loss), and the details and risks of margin accounts (borrowing to buy stocks).

Get information from the firm about significant website outages, delays, and other interruptions that may affect your ability to execute trades. Make sure that the firm has an alternative way to execute trades.

Review the firm’s privacy and security policies. Determine if your name will be used for mailing lists or other promotional activities by the firm or any other party.

Receive clear information about sales commissions, transaction fees, and conditions that apply to any advertised discount on commissions.

Know how to contact a customer service representative if problems occur. Request prompt attention and fair consideration. Be sure to keep good records to substantiate any problems that may occur.

Contact your local security division to verify the registration status and disciplinary history (if any) of the online brokerage firm, or to file a complaint, if appropriate.

INVESTORS INFO

Information is the investor's best tool when it comes to investing wisely. But accurate information about "micro cap stocks" —

low-priced stocks issued by the smallest of companies

may be difficult to find. Many micro cap companies do not file financial reports with the SEC, so it's hard for investors to get the facts about the company's management, products, services, and finances.
When reliable information is scarce, fraudsters can easily spread false information about micro cap companies, making profits while creating losses for unsuspecting investors.
In the battle against micro cap fraud, the SEC has toughened its rules and taken actions against wrongdoers, but we can't stop every micro cap fraud.
We need your help in winning the battle. Before you consider investing in a micro cap company, arm yourself first with information.
This alert tells you about micro cap stocks, how to find information, what "red flags" to consider, and where to turn if you run into trouble.

TRADE ON LINE

Part-Time Hobby or Full-Time Job;

It's Your Choice! Just a few short years ago, the financial markets were completely inaccessible to the vast majority of Americans. Only elites traded on Wall Street, or could afford the heavy commissions that stockbrokers charged. Most of all, average Americans just had no way of ever learning about stocks in the first place. Fortunately, the internet and online trading have changed all of that! Online trading experienced its heyday in the mid to late 1990's, during the age of the dot-com boom and bust.
For this reason, some people view online trading negatively. The truth is that the internet and online trading have been the greatest democratizing forces in the history of capitalism. No longer is stock ownership limited to a small group of men in the financial capitals of the world - online trading has turned millions of Americans into shareholders.

And the best thing about online trading is that you can do it part-time with a modest sum of money, or you can make a full-time career out of it. It's your choice! Getting Started In Online Trading Before you begin online trading you need to ask yourself a few questions.

What is your ultimate goal or objective? What is the investment style most appropriate for your level of risk tolerance? Do you want to limit your online trading to stocks, or will bonds, mutual funds, exchange traded funds, commodities, futures, options, and other financial products be part of your online trading strategies? Develop a plan and stick to it - discipline is the primary key to trading success . Next, you need to open an online trading account.
The industry leaders are E-Trade and Ameritrade, but others like ScottTrade, FirstTrade, Fidelity, Charles Schwab, and OptionsXpress should also be considered.

If you're planning on trading large sums per transaction, then the trading fees will not be as important as the web site's overall features and platform. However, if you plan to begin your online trading career with just a few thousand dollars, then you may want to consider the online brokers with the lowest commissions

BARTEL SYSTEM & FOREX

Let’s go into understanding how this forex trading actually happens. This is something related to our ancient barter system. Forex trading always happens in pairs. This means that there are two currencies that are involved. So, a trader might have a hundred US Dollars and might look at buying as many Euros as he can with this 100 USD. Here the two currencies that are in vogue in this forex trading are the United States Dollar and the Euro. Here, the former that is the dollar is the base currency and the Euro is the counter currency. The trading happens basically on the conversion ration which determines how much of one currency equals how much of the other. In our case, assuming the trader bought about sixty Euros for his hundred dollars, and then the conversion ratio is 0.6. For this buyer to make more money, what he needs to do is to keep track of the rate of the Dollar as against the Euro and check and cash in his Euros when they are at an all time high.

FOREX

What with the financial meltdown and the vagaries of the financial market, it is no surprise that the generation of today is trying to make as much money as it can, to save for the not-so-good days. The global financial scenario is throwing even established firms to the ground, so we know what the state of the common man is. One of the ways that is gaining popularity of late as one easy way of making money from the comfort of our homes, is forex trading. Since this depends on the world wide financial market and the individual economy of the nations, where their currencies undergo inflation or deflation, this is beginning to gather mass now. Forex trading is nothing but taking advantage of the differences in the currencies of different foreign money and making maximum advantage in the bargain. If you own a computer with an internet connection you can open a live forex account and participate in forex trading. Forex trading is a business of selling and buying foreign currency and making profit out of IT



TYPE OF FOREX TRADE:
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The Forex market is a highly volatile and liquid market with huge volumes of trade happening in a day
They are


1. Currency Band
2. Exchange Rate
3. Exchange Rate Regime
4. Fixed Exchange Rate
5. Floating Exchange Rate
6. Linked Exchange Rate

Currency Band :

This is nothing but the tolerance limit between a floating and fixed foreign change rate. The traders can choose a band limit within which they can set their currency to trade in. However, if they observe that the value of their currency is going above the set currency band, then they can switch over to fixed exchange rate.

Exchange Rate –

Exchange rate is a term used to define one currency’s worth in the eyes of the other currency. This is the most common term used in the Forex market and it is the most basic term as well. Traders should first understand the intricacies of the term exchange rate, the risks involved in it etc, before entering into trading.

Exchange Rate Regime –

Exchange rate Regime is closely related to the financial policy of a country. It is the way in which a country manages its currency based on the denominations of another country’s currency. Checks are kept in place, political and economic factors are kept under check to ensure that the currency of a particular country does not devalue.


Fixed Exchange Rate -

Fixed Exchange Rate is also called Pegged Exchange Rate. This is the process where a country’s currency is matched to another country’s currency, or to group of currencies or to a particular commodity. This helps in bringing one country’s currency in line with currencies of other nations, thereby leading to smooth transactions in the Forex market.


Floating Exchange Rate –

Here, a country’s currency is allowed to fluctuate according to the trends of the Forex market. There are no set conditions and the currency is not driven to ape another currency’s model. The advantage of floating exchange rate is that, one country’s adverse political condition will not affect another currency. However the demerit of this is that, there is no stability when currencies fluctuate with no limitations. This is the place where the central bank comes into play. The central bank regulates the fluctuations of a particular currency and ensures that no undue swinging is done.


Linked Exchange Rate –

As the name indicates, the linked exchange rate is the process where, one country’s currency is lined to another country’s currency to bring stability between both countries. The linked exchange rate mechanism proves to be quite handy in controlling undue fluctuations between currencies.



EARN WITH FOREX
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This is the high technology age where everybody is blessed with a computer and an internet connection. The era of information technology like the experts calls it. An age and period where man has discovered, invented and modified to convenience the findings of experts and scientists and this has gone to a great extent where now the same science and technology has gone to the verge of mastering mankind. Most people are looking at making the best of the technology available to them to do the best they can to enhance their lifestyles and provide better for their kith and kin. Online forex trading is proving to be an efficient quencher to the fire of passion that is seen in the public today to create alternate sources of income that can be done at their comfort and without disturbing their personal lives as well. In addition to a system that has internet connection, all people need is a current forex account to do this forex trading. Forex trading is nothing but buying and selling foreign currency online, done capably and efficiently and more importantly time consciously to enhance the inflow of cash thereby leading to a proportional direct increase in the net worth of the individual.





FOREX TRADING A GENERAL VIEW

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Forex trading is one of the safest methods of investing, because the investor gets the leverage of currencies, thereby reducing the probability of risk. However before venturing into Forex trading, it is better to get an idea as to how to invest, when is the best time to invest etc. There are many software programs which guide the investor to trade in the Forex market. These software programs gain a deep understanding of concepts of Forex trading, employ them in their programs and then give various trading signals to the investor, guiding them to invest accordingly. The Forex trading concepts employed by most of the software programs are: Fundamental Analysis Money Management Psychology Technical Analysis Fundamental Analysis – This analysis is where the manufacturers of the software program would take into effect the business news flash headlines, political climate, natural disasters if any, which can have an effect on the Forex market. Fundamental analysis always studies about the causes of the market movements. Money Management – The software programs focus on money management concepts because it is essential to know how much the investor can risk. It is important to know the affordability before entering into Forex trading. Psychology – Software programs provide trading signals, after giving consideration to the people’s sentiments. It is important to be on hold on one’s emotions before investing. It is indispensable to stay motivated and follow the stock market carefully before taking decisions. Investing on impulse should be avoided at any cost. Technical Analysis – Many software programs give importance to this. Technical analysis observes past trend of data and determines how it will perform in future. Software programs study the charts produced by Technical Analysis and provide trading signals to the investor accordingly. This studies the effects of stock market movements, as against fundamental analysis which studies the causes of the stock market movements.

CREDIT CARD AN INTRO

Let's start at the beginning. A credit card is a thin plastic card, usually 3-1/8 inches by 2-1/8 inches in size, that contains identification information such as a signature or picture, and authorizes the person named on it to charge purchases or services to his account -- charges for which he will be billed periodically. Today, the information on the card is read by automated teller machines (ATMs), store readers, and bank and Internet computers.

Have you ever stood behind someone in line at the store and watched him shuffle through a stack of what must be at least 10 credit cards? Consumers with this many cards are still in the minority, but experts say that the majority of U.S. citizens have at least one credit card -- and usually two or three. It's true that credit cards have become important sources of identification -- if you want to rent a car, for example, you really need a major credit card. And used wisely, a credit card can provide convenience and allow you to make purchases with nearly a month to pay for them before finance charges kick in. That sounds good, in theory. But in reality, many consumers are unable to take advantage of these benefits because they carry a balance on their credit card from month to month, paying finance charges that can go up to a whopping 23 percent. Many find it hard to resist using the old "plastic" for impulse purchases or buying things they really can't afford. The numbers are striking: In 1999, American consumers charged about $1.2 trillion on their general-purpose credit cards

WORLDS FIRST CREDIT CARD

­The first universal credit card -- one that could be used at a variety of stores and businesses -- was introduced by DINERS CLUB, in 1950. With this system, the credit-card company charged cardholders an annual fee and billed them on a monthly or yearly basis. Another major universal card -- "Don't leave home without it!" -- was established in 1958 by the American Express company.
Later came the bank credit-card system. Under this plan, the bank credits the account of the merchant as sales slips are received (this means merchants are paid quickly -- something they love!) and assembles charges to be billed to the cardholder at the end of the billing period. The cardholder, in turn, pays the bank either the entire balance or in monthly installments with interest (sometimes called carrying charges).
The first national bank plan was BankAmerica, which was started on a statewide basis in 1959 by the Bank of America in California. This system was licensed in other states starting in 1966, and was renamed Visa in 1976.