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	<title>Consolidate Student Loan Broker &#187; personal investing</title>
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		<title>Invest Now, Don&#8217;t Wait Until Tomorrow</title>
		<link>http://www.consolidatestudentloanbroker.com/184/invest-now-dont-wait-until-tomorrow/</link>
		<comments>http://www.consolidatestudentloanbroker.com/184/invest-now-dont-wait-until-tomorrow/#comments</comments>
		<pubDate>Thu, 12 Mar 2009 07:39:44 +0000</pubDate>
		<dc:creator>Samantha Asher</dc:creator>
				<category><![CDATA[Consolidate Student Loan]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investing basics]]></category>
		<category><![CDATA[investing young]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[learn about investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[personal investing]]></category>

		<guid isPermaLink="false">http://www.consolidatestudentloanbroker.com/investing/invest-now-dont-wait-until-tomorrow/</guid>
		<description><![CDATA[Should you start investing now or wait until you can invest more?  That is a very easy question to answer.  Start investing now and then as you are able to invest more, do so.  Starting early can mean a lot more money over time.]]></description>
			<content:encoded><![CDATA[<div style='italic;' class='studentbyline'>by Samantha Asher</div>
<p>Should you start investing now or wait until you can invest more?  That is a very easy question to answer.  Start investing now and then as you are able to invest more, do so.  Starting early can mean a lot more money over time.</p>
<p>Time is money; it&#8217;s the simple truth.  We spend our time working and are paid for it.  It takes time for a writer to write a book that they eventually collect royalties on.  A teenager spends a few hours of her time watching kids and is paid for it.  You have to give up some time to make money.</p>
<p>Investing is even more important in time.  If you invest, your money will compound over time.  This means it will grow faster and faster as time goes by.  If you invest now, your money will be worth much more by the time you retire than if you waited another 5 years.  </p>
<p>If you start investing when you are young, like in your 20s, you will have the biggest advantage.  You&#8217;ll have more money for retirement if you invest, and you&#8217;ll have even more if you invest it early.  </p>
<p>Let&#8217;s say you&#8217;re 23 years old and just started a good job.  You want to retire at age 65 which is in 42 years/  If you invest $500 every year for 42 years with an average return of 9%, you&#8217;ll have invested about $26,000.  Guess how much this $26,000 will be worth?  You&#8217;ll have about $218,000.</p>
<p>Now let&#8217;s say you decide you can&#8217;t invest that much right now because you are just having too much fun spending money.  Instead, you wait until you are 35 to start.  You will invest the same amount of money overall, $20,000, but because you waited 10 years, you invest more per year equal to about $667 a year. You can&#8217;t possibly earn that much more with an extra 10 years, right?</p>
<p>When you combine time and compounding, you make a powerful combination.  It&#8217;s incredible how much more money you can make when you start early.  Compounding will earn you more money because the money you earn each year will continue to earn money.  If you want to retire comfortably, or even early, you must harness the power of time and compounding.</p>
<p>There is no set amount of money that you must start investing now.  You could start out very small and then as you begin to earn more, start contributing more.  Start by taking 2% of your income and investing it for retirement, then add a percentage point more each year to your contribution.  When you hit 20%, you might find you are in a good place to retire early.</p>
<div class='studentresource'>
<div style='italic;' class='studentabout'>About the Author:</div>
<div class='studentlinks'>You must <a href="http://learnaboutinvesting.info/">start investing</a> right away ifyou want to retire comfortably, early, or even at all. Take the time now to educate yourself about different <a href="http://learnaboutinvesting.info/different-ways-to-invest-your-money/">Types of Investments</a> and start investing now!</div>
</div>
]]></content:encoded>
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		</item>
		<item>
		<title>New Strategies For A Growing Market</title>
		<link>http://www.consolidatestudentloanbroker.com/126/new-strategies-for-a-growing-market/</link>
		<comments>http://www.consolidatestudentloanbroker.com/126/new-strategies-for-a-growing-market/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 09:51:33 +0000</pubDate>
		<dc:creator>Walter Fox</dc:creator>
				<category><![CDATA[Consolidate Student Loan]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investing education]]></category>
		<category><![CDATA[investing in options]]></category>
		<category><![CDATA[option trading]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[personal investing]]></category>
		<category><![CDATA[puts and calls]]></category>
		<category><![CDATA[stock option trading]]></category>
		<category><![CDATA[trading options]]></category>

		<guid isPermaLink="false">http://www.consolidatestudentloanbroker.com/personal-finance/new-strategies-for-a-growing-market/</guid>
		<description><![CDATA[The rapid growth of internet connectivity has created a sharp rise in the entry-level trader ranks.  These new traders are interested in the high profit potential in the currency trade market, and come from all walks of life and education levels.  These people have joined the market and use the potential for high returns as incentive to master the complex and wide-reaching Forex market.]]></description>
			<content:encoded><![CDATA[<div style='italic;' class='studentbyline'>by Walter Fox</div>
<p>The rapid growth of internet connectivity has created a sharp rise in the entry-level trader ranks.  These new traders are interested in the high profit potential in the currency trade market, and come from all walks of life and education levels.  These people have joined the market and use the potential for high returns as incentive to master the complex and wide-reaching Forex market.</p>
<p>With the influx of novice traders from all over the world, there has been a definite learning curve.  With this in mind, the need for sound stock option trading strategy has never been more apparent.  In addition to the main Forex market having an increasing turnover daily, many new brokering agencies are being born to help these amateur traders.</p>
<p>These broking agencies started developing different trading tools and kits to assist the new as well as established traders. Thus the birth of broker tricks taken place which ruled the forex market for quite some time.  Trading techniques are developed by these broking agencies and are sold to traders who are desperately in search of some guidance during complicated trade.</p>
<p>The growth of the currency market was so fast that it quickly reached and surpassed the trillion dollar per day turnover point.  Currently, an estimated over 2 trillion US$ turnover with over 100 million multinational traders are participating in the world currency exchange market.  These numbers highlight the need for solid stock option trading strategy.</p>
<p>This need has also led to a software robot known as Commercial Forex Expert Advisor.  The software specializes in being capable of making a successful trade on behalf of the trader, and has been market tested and proven.  The success of this software has made it a prominent tool in the trading circle and is considered one of the best tools available.</p>
<p>People realized the need for education on online option trading and wanted to know how to trade options successfully. In this process, different forms of education started in the currency trade like email courses and online training courses. New types of trading options strategies are developed to bring variety to the market and attract new players.</p>
<p>Iron condor is an advanced forex option trading strategy which has become very popular among high risk traders. This strategy is a combination of two vertical spreads named Bull put and Bear call. The expiration of these two spreads is same and number of put spread and call spreads are equal. This trading strategy is named after a big bird called condor since the resultant profit- loss graph resembles the shape of this bird.</p>
<p>There are a number of advantages which resulted in the Iron Condor strategyas popularity.  The main benefit is the potential for a higher level of profit generation.  The trader has more flexibility mid-trade to change his option.  This is but one of the many strategies available to traders, and the best of them employ many different types to return the highest profit on their investments.</p>
<div class='studentresource'>
<div style='italic;' class='studentabout'>About the Author:</div>
<div class='studentlinks'>TheScienceOfTrading.com provides 90 free minutes of videos on <a href="http://www.thescienceoftrading.com/JoinNow/members/signup.html">option trading systems</a> and provides a complete and detailed <a href="http://www.thescienceoftrading.com/PresellVideos/cms/presellvideos.html">stock trading course</a> for beginners to experts.</div>
</div>
]]></content:encoded>
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		</item>
		<item>
		<title>Theta Decay &#8211; Using Time To Make Money With Options</title>
		<link>http://www.consolidatestudentloanbroker.com/49/theta-decay-using-time-to-make-money-with-options/</link>
		<comments>http://www.consolidatestudentloanbroker.com/49/theta-decay-using-time-to-make-money-with-options/#comments</comments>
		<pubDate>Thu, 18 Dec 2008 08:35:34 +0000</pubDate>
		<dc:creator>Walter Fox</dc:creator>
				<category><![CDATA[Consolidate Student Loan]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investing education]]></category>
		<category><![CDATA[investing in options]]></category>
		<category><![CDATA[option trading]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[personal investing]]></category>
		<category><![CDATA[puts and calls]]></category>
		<category><![CDATA[stock option trading]]></category>
		<category><![CDATA[trading options]]></category>

		<guid isPermaLink="false">http://www.consolidatestudentloanbroker.com/personal-finance/theta-decay-using-time-to-make-money-with-options/</guid>
		<description><![CDATA[As you're probably aware, a number of market systems exist that claim to be sure money makers.  That shouldn't be surprising given the number of market traders expending time and effort on developing systems to capitalize on trends and anomalies within the market.  But not all these systems are as reliable as they claim to be. Smart traders will choose carefully, or watch their hard-earned capital drain away.]]></description>
			<content:encoded><![CDATA[<div style='italic;' class='studentbyline'>by Walter Fox</div>
<p>As you&#8217;re probably aware, a number of market systems exist that claim to be sure money makers.  That shouldn&#8217;t be surprising given the number of market traders expending time and effort on developing systems to capitalize on trends and anomalies within the market.  But not all these systems are as reliable as they claim to be. Smart traders will choose carefully, or watch their hard-earned capital drain away.</p>
<p>Theta decay is one much-hailed example of such systems.  The name itself is surely impressive.  The fact is, though, that theta decay rests on a very fundamental concept in option trading  the fact that options expire on a set date.</p>
<p>Because option trading instruments have a finite life span, their value would tend to change as they come closer to the strike date. In analyzing trends in trading of options, the spread of prices that exist between the issuance date and the strike date is shown to get smaller as the issue nears expiration.</p>
<p>The specific expiration date of options is that gives theta decay its edge.  Unlike stocks, the options market has a constant and, to some, dizzying flow of information. For traders who are able to keep up with that flow, big gains await.</p>
<p>But how does one put theta decay to play in stock options trading?  It&#8217;s not as difficult as you might think.  The key insight is that the time value of money changes faster as the expiration date approaches. Studies have found that an option&#8217;s time value falls according to a linear pattern before reaching the last thirty or so trading days before its expiration date.</p>
<p>It is those last thirty days when theta decay techniques are most effective. During those last thirty days, the rate of descent for the time value becomes steeper.  But you can profit from this accelerated loss by holding the right positions.</p>
<p>Imagine, for example, that you have an option approaching expiration and hold a short position while also selling an inverse call option.  You could realize two separate gains.  The first of these comes when you sell the call at a premium relative to its actual value.  The second can result if the option does not finish on the positive side in money.</p>
<p>As you can see, by tracking expiration dates and perfecting your timing, you can make theta decay a profitable technique.  It is true, as with any system, that improper application of the strategy could lose you principal.  But for those who have a good feel for the market and the ability to track option market information, theta decay remains a potentially lucrative and non-commonplace device worthy of being added to your market toolkit.</p>
<div class='studentresource'>
<div style='italic;' class='studentabout'>About the Author:</div>
<div class='studentlinks'>TheScienceOfTrading.com provides 90 free minutes of videos on <a href="http://www.thescienceoftrading.com/JoinNow/members/signup.html">option trading systems</a> and provides a complete and detailed <a href="http://www.thescienceoftrading.com/PresellVideos/cms/presellvideos.html">stock trading education</a> for beginners to experts.</div>
</div>
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