A Frugal Life: Common Financial Risks of Forex Trading

Common Financial Risks of Forex Trading

Forex trading, abbreviated from foreign exchange, is essentially a global market in which the product being bought and sold is foreign currency. A buyer in the Forex market may invest in, say, one thousand Euros, and this costs him, say, one thousand five hundred US Dollars. Perhaps a year or so later, global economies have shifted, the Euro has become more popular, and the one thousand Euros that this hungry investor purchased are now worth two thousand US Dollars. The investor can now sell his one thousand Euros for two thousand US Dollars, making a five hundred dollar gain. Of course, this is a radical simplification of this complex market system, and the figures may not reflect current exchange rates. But at its core, this is what Forex traders do: they trade in foreign currencies to try to gain capital. As with all trading scenarios, there is some risk involved. A risk-free market is something that can never exist, because all investments carry some chance of loss. There is a growing trend for Forex trading to be marketed to the individual as an easy way of adding to one's investment portfolio. Often, Forex promoters will try to sell state of the art software that helps the user manage accounts in foreign currencies at home in his or her spare time. The Forex market is practically turning into another Gold Rush, but there are many things about the market that the promoters may forget to tell you. Forex trading is much riskier than many people think. Sure, plenty of people are making money in this market, but every dollar gained is a dollar lost somewhere else. To oversimplify once again, somebody loses in every transaction. It can be very easy to lose a large investment in Forex, and if you're getting into something like margin trading, or leveraging, your losses could end up exceeding the amount of your original investment by several times. As gamblers say, you shouldn't bet more than you can afford to lose. Additionally, the investment software being peddled is usually supposed to statistically track and predict trends in the market, guiding you toward the most promising investment. This is seemingly meant to act as a substitute for finance experience and professional advice. Software like those made by?Sunbird currency trading?may accurately track past market trends, but it is important to remember that these predictions are guidelines based on the past. The market could go any direction, so take care. By technicality, some institutions such as?Fatwa Forex Halal?waive many usual trading fees, so this may also be a valid option. Forex trading can be very lucrative, but very risky as well, so it is extremely important to be aware of the potential dangers as well as potential benefits. Avoid margin trading as a beginner, do careful research on trading software, and be mindful so as not to get in over your head. Only after knowing the risks as well as the rewards can you be sure if Forex trading is the way to go for you. Carol Montrose is a contributing writer for Michael Parnes, the CEO of Old Park Lane Capital, the premier brokerage for natural resource focused companies.

Source: http://www.afrugallife.org/2012/08/common-financial-risks-of-forex-trading.html

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Homes For Sale Pleasanton CA Real Estate Weekly Review August ...

?2012 Bay East. ?2012 CCAR. ?2012 EBRD. All rights reserved. Information deemed reliable but not guaranteed. This information is provided from three separate sources: Bay East, CCAR and EBRD. The listings presented here may or may not be listed by the Broker/Agent operating this website. Information last updated on 8/20/12 10:51 PM PDT.

This IDX solution is (c) Diverse Solutions 2012.

Source: http://vickiesellshomes.com/homes-for-sale-pleasanton-ca-real-estate-weekly-review-august-19-2012/

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GOP party platform committee shoots down civil unions

A committee drafting the Republican Party's platform decided not to add support for civil unions for gay couples into its document, according to the leader of a Republican gay rights group.

Log Cabin Republicans President R. Clarke Cooper tells Yahoo News that the committee, which is meeting Tuesday in Tampa to draft the party's platform, has already voted to add new language to the platform that affirms the "dignity and respect" of gay Americans. But the document also calls for a constitutional amendment that would define marriage as only between a man and a woman, which would ban gay marriage even in states that currently allow it. For the first time, the Democratic Party is endorsing same-sex marriage in its platform, which has put some pressure on Republicans to soften its tone on gay rights.

The committee voted down the civil unions amendment proposed by a Rhode Island delegate after "a good back and forth debate," according to Cooper, and amendments may still be proposed and debated. Civil unions would provide more legal protections, such as hospital visitation rights, to same-sex couples.

Source: http://news.yahoo.com/blogs/ticket/republican-party-platform-committee-shoots-down-civil-unions-142819433.html

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When should you FSBO? - Home Finance Help

FSBO, for sale by owner, fisbo, sometimes pronounced ?fizz-bo?

Synopsis: Stick a sign in your yard and sell your house.

Upside: Avoid commissions, zero risk/commitment, showings done on your schedule, no one tells you what to do.

Downside: Market exposure can be costly or time consuming (and agents with ready buyers may not call you, or if they do, they will ask you to pay ~3% commission). FSBO folks must do some homework to get through the complexity with forms, laws, and contracting. If you sell your own house by yourself, you?ll be negotiating on your own behalf, and you could be the fool who has himself for a client. Why? Because you care so much about the outcome. Compare to the agent who has sold 100 houses and knows when to step on the gas and when to pull back and has probably learned what can and should be kept and what conceded.

Best usage: If you?re really not sure you want to sell or not in any rush, in a hot market (specific neighborhood, or general area), if you know your way around a real estate transaction already or have a local friend in real estate ready and willing to help, if you have more time than money, and wish to test the market, then FSBO may be a good place to start. Also, it?s good if you?re automatically a person who turns to the real estate pages in your paper religiously?because you care and stay informed about what?s going on around you in terms of objective real estate transaction information. If you can say what your house is worth without researching, that?s a good start (that can be overcome, but you?re starting in the hole).

Think twice: If your main reason to do this is to show those darn so-called professional agents that they are not worth their full commissions, you may learn why being a real estate agent has persisted as a viable profession for so long. If you do not have the ability to look at your house objectively as something that people buy and sell everyday and compare like two apples in a supermarket, you need to either step back and become objective or consider getting someone else involved.

The bottom line: Buying or selling real estate with no Realtor (R) involved on either side is no walk in the park. Not only is it pretty highly regulated requiring you to have disclosures ready, but it is rarely a transaction which either side enters into lightly or easily (and in today?s litigious society this can be problematic when it comes time to formalize offers and counteroffers and get from there through inspections to closing with no professionals around).

Source: http://www.thehumblemumble.com/when-should-you-fsbo/

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Nepal to sign investment pact with China

Beijing News.Net Sunday 19th August, 2012

Nepal will soon sign a bilateral investment promotion and protection agreement with China, Xinhua reported Sunday.

So far Nepal has signed similar agreements with India, Mauritius, Finland, France, Germany and Britain.

Source: http://www.beijingnews.net/index.php?sid/208423142/scat/55582c89cb296d4c

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Massive situation within our relationship - The Student Room

For questions and discussions relating to all aspects and kinds of relationships, from love and dating to friends, family and work. Threads about sexuality also belong here.

1. New Member Thread Starter Join Date: Aug 2012 Posts: 3

   Massive situation within our relationship Me and my boyfriend have been together for a year and 3 months. Its gone really really well and we love eachother very much. We met on a night out and we kept meeting up ever since and got on really well then he eventually asked me out When we first started going out, he started asking me about my past. I have quite a big friendship group, we always do everything together and go to parties, cinema etc etc theres about 6-7 of us in this group. One of them is my best friend who is a girl, she has two brothers who are also in the friendship group who i am also very close with as friends. I am 21 now, but a couple of years ago i have had a sexual relationship with them both. Yes that may seem a bit wierd as they were my best friends brothers but the thing is it was all a bit of fun. I felt no emotions for them, i didnt love them it was just sex. I wasnt sleeping with them both together at the same time. I only had sex with oldest one once then with the second one about two years after we were sexual buddys. But i still remain friends with these guys because i have grown up with them, their dad lives in Kenya and ive been to Kenya with them twice! Ive been on a few more holidays with them. I have literally grown up with these people since i left school and i care for them as friends not lovers. Yes there has been a past but it means nothing, it always has meant nothing. There has been nothing there.. just a friendship and sex happened. So when my boyfriend asked i told him, i was honest and i said yes in the past i have slept with them but it was so long ago now. Both of them have had girlfriends for years and still do now. It was just something that happened, and we just laugh about it now. I dont understand why i wouldnt be friends with them just because this happened. So because i am best friends with their younger sister since i have been 15, when i want to go round to their house my boyfriend doesnt like me going and we have argued and argued and there seems to be no outcome. He has asked me many times to not go round but i want to see my friends. I would never ever cheat on him with anyone, i have been so loyal and honest in our relationship. I even moved my life to be with him when he was at university and got a job down south to be with him just so the relationship could work. But now this last month, he has asked me to choose between my friends or him. We broke up for a week, because it was just not going away this problem. I said i cant choose between my friends who i care about so much as friends and weve all got such a good friendship group and i just wasnt prepared to turn my back on them all because at the end of the day i havent even done anything wrong and niether have they? If i said i dont ever want to speak to you both again, i would lose friendship with their younger sister, i would lose friends with my other friends who are also friends with them. The whole friendship group wouldnt want to speak to me, then i wouldnt have any of my old friends. Imagine if i split up with my boyfriend in 2-3 years time and i wanted some support? They would tell me to get lost. It would be understandable if i had gone behind his back whilst i was with him that would be terrible, but i havent. They are in happy relationships, i also get on really well with their girlfriends. He will not accept that it was in my past and when i was young. I cannot turn back the clock and anyway it has nothing to do with him. Apparently its like someone stabbing a knife in him when he knows that im hanging around with people who ive slept with. But i am not going to do anything!!!! i just want to remain friends with them!!! It is such a tricky situation and i really need another opinion to see what someone will say who i dont know, because i have discussed this with some family members and friends and they have said well hes got to trust you and he cant tell you or physically stop you from seeing your friends. He says he does trust me its just the principle of me going round to see them, its killing him. It really is tearing us apart, my friends brother has even offered to call and ring him to explain that nothing would ever happen now as weve all grown up and it was just a bit of fun back in the day but my boyfriend doesnt want to hear it. Its making me lose friendship with my best friend ruby aswell because i feel i cant go round to her house anymore plus im really good friends with their mum and i just feel im letting someone who i deeply love and adore and i would do anything for do this to me? There is only so much i can cope with. What do i do? I really love and care for all my friends, before i met my boyfriend everyone used to come round to my house and have dinner or we would go round to someone elses and watch films it was just so much fun. But i dont do that anymore because im not allowed. When i do see Ruby at her house i always feel really on edge and i cant relax in my best friends house because if my boyfriend knows i am there he wont speak to me for the rest of the day or we end up arguing about it then i get angry and so does he then we just want to split up again. I understand where he is coming from a tiny bit because he is showing he cares and loves me which is nice, i know he does love me loads but he must just understand that there is nothing else there. I feel like im betraying him or doing something wrong when i just go round for a bloody cup of tea and a chat with ruby and her mum!! Everyone else says Invite him round to our parties and group things we do, so then he can see for himself its just friendships but he will no wa have nothing to do with these boys. I cannot bare it anymore, is there an outcome?

2. Junior Member Join Date: Sep 2011 Posts: 71

   Re: Massive situation within our relationship Ok I took my time to read that. Now, let me try and explain from a guy's perspective and from personal experience .... Its not that your boyfriend doesn't trust you. He clearly respects you a lot and since you made the move to be with him, he knows that this is a serious relationship. However, it makes him feel uneasy, uncomfortable, awkward and perhaps even a little jealous when he knows your spending time with the people who you've slept with. I completely understand that you are just very good friends with these guys but for some boyfriends, they would rather not have their girlfriends continue to get along so closely with ex bf's and guys they may have slept with. This behaviour can be viewed as insecure, possesive or in a positive light, it can be viewed as trying to protect you, making sure you don't get hurt or just to make sure you're relationship stays strong. Personally, one of my ex gf's used to keep in close contact with her ex bf who she broke up with on good terms. Whilst I didn't stop her from talking to him etc, she and I both knew that her spending alone time with him and doing things just with him just made it uncomfortable between us. So for the good of the relationship, she limited the time she spent with him alone and I really appreciated and respected her for that. She didn't do it because I asked, only because she thought it was the right thing for both of us. Its an age old conflict and the only solution is compromise - ask yourself, what do you gain from maintaining your friendship with these guys, is it worth risking your relationship thats going really well, and are you sure these guys won't approach you again in a romantic way? Only you can answer these questions. Your boyfriend's ultimatum is probably his way of not knowing what to say. Weigh up your options, talk to your boyfriend again and perhaps you can reach a compromise. Best of luck! Last edited by superduper9; 7 Hours Ago at 15:29.

3. New Member Thread Starter Join Date: Aug 2012 Posts: 3

   Re: Massive situation within our relationship Thanks for the responses guys.. and yes sorry i should of put it in paragraphs! It is a bit eye puzzling. I was just trying to explain the situation in the best way i could. I have asked myself so many times about whether the relationship is worth losing over a friendship but i cant just erase my memories that ive had with these people i dont want to not be their friend. I had some really good times with this family especially when i got asked to go out to Kenya and lived there for free. But i dont want to have to choose, its not fair. I want to have my friends and feel comfortable around them and have a boyfriend too. He says that because i go see my friends, i value them more than him? Well i dont at all. I love him to the world and back but i arnt going to choose between people. And no, they definately would not approach me again in a romantic way as they know how much pain and emotion ive been through and how much ive cried about this situation i think they're decent enough to not do that. Plus they have they're own girlfriends who are constantly around so i dont think they would have the chance to make that sort of move on me again.

4. Junior Member Join Date: Sep 2011 Posts: 71

   Re: Massive situation within our relationship I can see it is a tough situation for you. But, I cannot stress enough this point - how much ever you use reason and logic to explain that they are only close friends and nothing more, your boyfriend, and most other guys, would find it very difficult to be comfortable with the situation. The fact you feel that this is a big issue, makes it suggest that you care more or equally about your friends than your boyfriend. This would never apply in my case. If I was in a long term relationship with a girl (e.g. 1 1/2 years +), she comes above all other friends and is equivalent to a part of my family. Though this may seem exaggerated, I certainly do mean that! If a situation such as this arose, I would think about it but wouldn't call it a massive problem, there is an easy way out. The fact that your bf is uncomfortable is more so because they weren't your bf's when you slept with them, it was casual sex. I'm not putting you down for this but just pointing out that this doesn't help the cause. I agree that your friends, and infact anyones close friends, will do things that you are grateful. However, if they are your true friends, they will understand any distance that you have to maintain. Whether you choose to or not is up to you!

5. Exalted and Worshipped Member Join Date: Nov 2008 Location: Scotland Posts: 904 Warning points: 2

   Re: Massive situation within our relationship Thanks for the responses guys.. and yes sorry i should of put it in paragraphs! It is a bit eye puzzling. I was just trying to explain the situation in the best way i could. I have asked myself so many times about whether the relationship is worth losing over a friendship but i cant just erase my memories that ive had with these people i dont want to not be their friend. I had some really good times with this family especially when i got asked to go out to Kenya and lived there for free. But i dont want to have to choose, its not fair. I want to have my friends and feel comfortable around them and have a boyfriend too. He says that because i go see my friends, i value them more than him? Well i dont at all. I love him to the world and back but i arnt going to choose between people. And no, they definately would not approach me again in a romantic way as they know how much pain and emotion ive been through and how much ive cried about this situation i think they're decent enough to not do that. Plus they have they're own girlfriends who are constantly around so i dont think they would have the chance to make that sort of move on me again. Your boyfriend is putting you in a very unfair position. It sounds like you have a great group of friends. Please don't give that up for him. Whether you end up staying together forever or not, you will ultimately regret throwing away such precious friendships. I can see why your boyfriend feels uncomfortable with the situation, but he HAS to trust you. You haven't given him any reason to think that you aren't trustworthy, have you? It's HIS ISSUE. Also even if he was playing the whole "it's not that I don't trust you, I just don't trust the guys" card, that's a load of rubbish too because even if one of the guys did try it on with you, you'd say no. He doesn't need to trust them. If he trusts you to say no then that's it, that's all that matters. I totally sympathise with your situation and although I can see why your boyfriend would be weird about it, it is wrong for him to try to stop you seeing your friends. I've been with my boyfriend for 9 months and I am still good friends with most of my exes and still hang out with them. At the start of my current relationship, my boyfriend was a bit funny about me seeing my exes, but he never asked me not to do it, and if he had, I would have said no. Now he knows there is nothing to worry about, and your boyfriend should too. Especially after being together for over a year and knowing that you love him and have always been faithful to him. He is being extremely unreasonable and uncaring because he is just thinking about how HE feels and how HE doesn't like it, not caring about your feelings and the fact that he is asking you to give up your closest childhood friends. Please don't do it.

Source: http://www.thestudentroom.co.uk/showthread.php?t=2091567

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Down the Fairway: Pinehaven CC head pro Warren becomes Saint Rose coach

In a way, all club professionals are really coaches of the game of golf, so it?s not surprising that many members of the Northeastern New York PGA are adding coaching high school or college golf teams to their already busy schedules.

Add Pinehaven Country Club head pro Scott Warren to that growing list....

Source: http://www.dailygazette.com/news/2012/aug/19/819_weiner/

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