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The Moneymunch editorial staff is a team of experienced financial writers and analysts with over a decade of experience in the financial markets. They have previously contributed to popular financial blogs and newspapers, and are passionate about providing accurate and up-to-date information to help both investors and traders make informed decisions. Trust the Moneymunch editorial staff to provide reliable and effective financial advice that can help you achieve your financial goals.

Your financial goals: Estate planning

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This is the Third course in a series of  7 called ”Your financial goals”

It’s never too early to begin thinking about your legacy or to shape your estate plan. Contrary to what many people think, you don’t need to be a millionaire to have an estate plan. An estate plan is an important part of any ongoing financial planning process.

Your life, your dreams, your legacy

Your legacy transcends money — it also encompasses your values. Your wishes and dreams may include using your assets to help secure your family’s future or you may choose to support another cause close to your heart. This might be your favorite charity, your community, or your place of worship, to name a few.

Elements of an estate plan
  • A will lets you specify your wishes, including how you want your property distributed, who will administer your estate and who will care for your minor children.
  • A trust holds your assets for the benefit of one or more people (you, your spouse, your children). You’ll need an attorney’s assistance to create a trust.
  • Life insurance proceeds are paid to a beneficiary at your death.
  • Gifts are transfers of property made during your life to family, friends or charity.
  • Tax exclusions are available as important estate planning tools. Consult your tax professional for details.
Preparing to plan your estate

Designing a legacy consistent with your dreams and values is a personal, often complex process. But it’s well worth the effort. Consider setting up a family estate planning meeting to help improve communication, prevent conflicts and let your family know what’s important to you.

After giving some thought to your wishes, including the needs of family members you want to provide for, seek the professional guidance and estate planning advice you need from your attorney, tax professional and financial advisor. To help you value your estate, you’ll need to take into consideration:

  • Current income and likely future income
  • Annual expenses
  • Current assets and debts
  • Tax implications of federal transfer taxes, state death taxes and federal income taxes

Message for you(Trader/Investor): Google has the answers to most all of your questions, after exploring Google if you still have thoughts or questions my Email is open 24/7. Each week you will receive your Course Materials. You can print it and highlight for your life Goal.

Your financial goals (7 Days – Comprehensive Course)

  1. College education
  2. Business ownership
  3. Investment planning
  4. Estate planning
  5. Insurance
  6. Long-term health care
  7. Charitable giving

This Completes the List of Courses.

Wishing you a wonderful learning experience and the continued desire to grow your knowledge. Education is an essential part of living wisely and the Experiences of life, I hope you make it fun.

Learning how to profit in the Stock Market requires time and unfortunately mistakes which are called losses. Why not be profitable while you are learning?

Gap Down Chart Pattern

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This is the first course in a series of 60-Days called “Technical Analysis Training”

You will get daily one series of this Training after 8 O’clock night (Dinner Finished)

Follow MoneyMunch.com Technical Analysis Directory and Learn Basic Education of Technical Analysis on the Indian Stock Market (NSE/BSE)

technical-analysis-training

Gap Down Chart Pattern

Effects of Gaps
Gaps generally present important areas of support or resistance. A Gap Down will indicate different instances based in the context in which it was formed. A Gap Down in a downtrend may indicate a previous level of support possess been broken and today forms a resistance amount. A Gap Down in a powerful uptrend may suggest any end to, or maybe a reversal of, the earlier uptrend. Gaps supply an indication of the financial instrument’s SHORT-TERM outlook.

Story

A Gap Down forms when the high for a period (generally a day) is lower than the previous period’s low.

Gap-Down-Char pattern

Trading Considerations
Since Gaps express important regions of support or resistance they may be utilized to measure the strength of moves. If a price tag breaks via a Gap it is almost always an alert of the significant price point move.

Criteria which Supports
Three Gap Downs inside a trend suggest a possible end to, or perhaps reversal of, that trend. The 3 Gaps dont have to take place on top of sequential days, however might form many days aside.

Message for you(Trader/Investor): Google has the answers to most all of your questions, after exploring Google if you still have thoughts or questions my Email is open 24/7. Each week you will receive your Course Materials. You can print it and highlight for your Technical Analysis Training.

Wishing you a wonderful learning experience and the continued desire to grow your knowledge. Education is an essential part of living wisely and the Experiences of life, I hope you make it fun.

Learning how to profit in the Stock Market requires time and unfortunately mistakes which are called losses. Why not be profitable while you are learning?

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Some eclectic Thanks giving Day reads to express your gratitude

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Some eclectic Thanks giving Day reads to express your gratitude:
• Five economic trends to be thankful for (Washington Post) • Be Thankful for blog posts like this one: The facts of investing life (Monevator) • Joe Weisenthal is really thankful for Bill McBride of Calculated Risk (Business Insider) • Be thankful you understand Why Technical Analysis Matters (All Star Charts) • Refinancing? Be thankful for this: Fed Still Trying to Push Down Rates (WSJ) • Be thankful Jack Welch is Retired! Jack Welch Is An Even Bigger Dick Than You Previously Believed (BusinessWeek) • Be thankful for Lord Skidelsky and Carry On: Inequality is Killing Capitalism (Project Syndicate) • BE THANKFUL YOU DONT OWN ANY HP: Marc Andreessen was biggest proponent for Autonomy acquisition on HP’s board members (Breaking Views) • I’m thankful for NSFW: Marco Rubio’s Rap Preferences: A Lyrical Analysis (NSFW Corp) • Be thankful you live during a time when technology rocks:  Software That Shows What Your Shiny New iPad Can Do (NYT)

10 Tops Stories for Stock Market 22-11-2012

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• Birinyi: Sixth Myths About the Stock Market (MarketBeat) • 10 things stores won’t say about Black Friday (MarketWatch) see also Bionic Mannequins Spy on Shoppers to Boost Luxury Sales (Bloomberg) • HP’s Accounting Claims Are Seen as Cover for Bad Deals  (Bloomberg) see also H-P Says It Was Duped, Takes $8.8 Billion Charge (WSJ) • The Making Of A Great Contraction With A Liquidity Trap and A Jobless Recovery (The National Bureau of Economic Research) • Wall Street Kept Winning on Mortgages Upending Homeowners (Bloomberg) see also Mortgage Settlement Monitor “Progress” Report Gooses Numbers to Hide Lack of Real Relief to Homeowners (Naked Capitalism) • Apple and the Desire for Control (Bits) • Todays WTF Headline: Republican-Heavy Counties Eat Up Most Food-Stamp Growth (Bloomberg) see also The Confederacy of Takers (Washington Post) • You Can’t Say That on the Internet (NYT) • Modern wheat a “perfect, chronic poison,” doctor says (CBS News) • After Obama, Christie Wants a G.O.P. Hug (NYT) see also Conservative Republicans fight back after Romney loss (Washington Post)
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Your financial goals: Investment planning

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This is the Third course in a series of  7 called ” Your financial goals”

A sound investment strategy is critical to helping your money grow and, ideally, outpace inflation. However, if you’re like many people, you may not have the time or the inclination to analyze how different investments or securities may fit into your portfolio and you may wonder whether you’re investing appropriately to meet your financial goals.

Clarify your investment goals

Before you invest your money, it’s important to identify and prioritize your financial goals, assess your risk tolerance and understand your investment options. A financial advisor can help you sort through your options and invest appropriately. Some questions to consider:

  • What needs and dreams are you saving for? Retirement, a home, education?
  • When will you need the money you plan to invest now?
  • What is your risk tolerance? Are you willing to invest in stocks that may rise and fall in value in the short term, but have the potential to deliver larger returns in the long run? Or would you feel better if your money was invested more conservatively?
  • Do you understand how different investment vehicles (stocks, bonds, mutual funds, real estate, etc.) work? And the potential tax advantages of each?
Develop an investment strategy

Working with a financial advisor can help you:

  • Assess your financial situation. Create a clear picture of your current financial situation, including analyzing your investment timeframe and your risk tolerance.
  • Understand investing options, such as investment types and accounts, to help you make decisions that are right for you.
  • Apply diversification. Invest in a variety of assets to distribute and reduce risk.
  • Allocate your funds. Spread your investments among different asset categories, including stocks, bonds, cash and real estate, a process known as asset allocation. This also helps dilute risk.
  • Monitor your progress. Revisit and re-allocate your portfolio regularly to make sure your investments are still aligned with your current needs and future goals.
  • Consider tax implications. Be aware of tax advantages as well as tax consequences so you can avoid paying unnecessary fees.
Message for you(Trader/Investor): Google has the answers to most all of your questions, after exploring Google if you still have thoughts or questions my Email is open 24/7. Each week you will receive your Course Materials. You can print it and highlight for your life Goal. Your financial goals ( 7 Days – Comprehensive Course)
  1. College education
  2. Business ownership
  3. Investment planning
  4. Estate planning
  5. Insurance
  6. Long-term health care
  7. Charitable giving
This Completes the List of Courses. Wishing you a wonderful learning experience and the continued desire to grow your knowledge. Education is an essential part of living wisely and the Experiences of life, I hope you make it fun. Learning how to profit in the Stock Market requires time and unfortunately mistakes which are called losses. Why not be profitable while you are learning?

Fiscal 2009 to Fiscal 2012

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Fiscal-Brakes Wow, this is a rather surprising data point: “From fiscal 2009 to fiscal 2012, the deficit shrank 3.1 percentage points, from 10.1% to 7.0% of GDP.” It is even more surprising when you consider its source is the usually conservative Investors’ Business Daily! Here is a longer excerpt:
Believe it or not, the federal deficit has fallen faster over the past three years than it has in any such stretch since demobilization from World War II. In fact, outside of that post-WWII era, the only time the deficit has fallen faster was when the economy relapsed in 1937, turning the Great Depression into a decade-long affair. If U.S. history offers any guide, we are already testing the speed limits of a fiscal consolidation that doesn’t risk backfiring. That’s why the best way to address the fiscal cliff likely is to postpone it.