Whatever the needs whilst obtaining or exchanging foreign currencies, Currencies.co.uk might well be able to aid you preserve time or money. The business offer one off abroad exchanges, regular overseas transfers and additionally have options for bringing money back to the Great Britain.

the FCD team can be found to be the leading independent currencies negotiators whilst just been online since 2000 this is comparatively astounding. FCD own a really successful set of agents that have been celebrated in their expert advice and support Another reason they are also hence widely chosen is that for money exchange the FCD team deal with the very best foreign currency rates and the leading foreign currencies trades, this has been well documented by 2 Sunday Times and The Observer. Foreign currency exchanges can be a time consuming process, with the legal issues and different banking requirements, allow currencies.co.uk to take the pain out of the process.

FCD is very painless to use; once folk have opened an account you yourself might be able to set the current foreign money exchange rate by using phone. If an exchange rate should be declared which you yourself take, Currencies.co.uk can often immediately fax, email and post your confirmation. When your staff purchase foreign currency from Foreign Currency Direct, the rates will often be based surrounding live interbank foreign currency rates (the foreign money rate around which one bank sells to another) All these can be found to be aggregated from around a selection of sources, are also cited during real time & might well be loads more competitive than typically quoted by high street money exchangers and building societies. The interbank foreign exchange rate, that most sites and newspapers show can be a mid industry foreign currency exchange rate that is not actually conceivable to trade at. You will probably consistently get a foreign exchange rate somewhat below the interbank foreign currency rate or feasibly sell somewhat above; this is the primary way the business will offer the foreign money transfer.

Because you can be found to be moving abroad you are probably going to be moving large amounts of money into a foreign money, your foreign currency exchange rate might result in the difference between affording some luxurious added features or ending up with lots less than you yourself budgeted for.

College Savings Plans - are they the best choice for my child?

College Savings Plans, also called Section 529 plans, are one of the best ways to save for college because they offer:

- Tax advantages

- A variety of investment options

- Flexible contribution options

- Parental control

- Little impact on eligibility for need-based financial aid

Tax advantages

Investments in 529 plans are usually exempt from federal taxes. Earnings are tax-deferred and are not subject to capital gains taxes. Redemptions are also exempt from federal income tax if they are used to pay for tuition, room and board, fees, books, supplies, or equipment.

Most states also offer tax advantages, at least if you enroll in the plan for your own state. In addition, contributions may be deductible on your state income tax.

In addition to these income tax benefits, College Savings plans can be a valuable estate planning tool. The accelerated gift option allows you to average gifts over $11,000 per beneficiary over a five year period with no federal gift tax. This means you can contribute up to $55,000 per beneficiary in one year with no gift tax. Contributions are immediately removed from the donor’s gross taxable estate (and included in the estate of the beneficiary).

Investment options

Most states offer three or more investment options ranging from conservative to aggressive. One is usually an age-based portfolio that invests mainly in stocks while a child is young, then shifts to bonds and money-market funds as college years come closer. 529 plans are managed by experienced investment companies, such as Vanguard, Fidelity, and TIAA-CREF.

Contribution options

Anyone can contribute money on behalf of a beneficiary, allowing friends and relatives to give the gift of education. In addition, the minimum investment amount required to open an account is usually lower than mutual funds require, making section 529 plans affordable for lower income families.

States set their own contribution limits for college savings plans. Most states base their limit on an estimate of the amount of money needed for seven years of post-secondary education. Limits range from $146,000 to $305,000.

In addition, most states allow you to regularly transfer funds from your checking or savings account to your 529 plans. Some states even let you set up payroll deductions.

Parental control

The money in a College Savings Plan is controlled by the account owner, not the child. So if the child decides to not go to college, they do not have access to the funds. Instead, the account owner can get his or her money back (with income taxes and a 10% penalty owed on earnings) or transfer the funds to another family member.

Impact on eligibility for need-based financial aid

College savings plans have a low impact on financial aid eligibility because they are considered an asset of the account owner (usually the parent), rather than the student.

Choosing a plan

Most states have their own College Savings Plans, but you do not have to enroll in the plan in your state. Look first at the plans in your own state, especially if they offer tax advantages. Other factors to consider as you compare state plans are expenses and investing options.

Prepaid tuition plans

Another type of Section 529 plan are the prepaid tuition plans. Prepaid tuition plans are guaranteed to increase in value at the same rate as college tuition. So, if you purchase shares worth one semester of tuition at a state college, those shares will always be worth one semester of tuition, even 10 years later when tuition rates have doubled. These plans offer basically the same tax and contribution benefits as College Saving plans, and they are guaranteed by the government. However, because prepaid tuition plans are considered a resource, they reduce need-based financial aid dollar for dollar. Therefore, families that expect to qualify for need-based financial aid should avoid prepaid tuition plans and invest in college savings plans instead. Another alternative is to roll prepaid tuition plan funds over into the state’s 529 college savings plan before college begins.

There are many advantages to college savings plans; however, there are many ways a parent can help a student pay for a college education. Make sure to research as many avenues as possible to make the most informed decision on how to pay for school, and you could end up with the optimal college funding solution.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about how to get College Savings Plans at http://www.NextStudent.com .

My goal is to help every student succeed - education is one of the most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.

http://www.nextstudent.com/

NASDAQ, Dow Jones, BSE & NSE; Do they ring any bell? They surely must have. Not every one knows what the color of money is, but what people do know is they want to feel more money and see more money.

Another well known fact is that the ever increasing number of the average human being would never want to jeopardize his money, which for him, is the sole means of existence. In the end, it is the human craving for more that makes him succumb to his urge and makes him take a plunge.

The only thing that makes the average investor lose out, is his inexperience. The Raging Bull lures many new people into its arena, but little do they realize what’s in store for them. The market trends are tough to gauge. No one can ever be sure how high or low will stocks leap! Everything on earth has a risk involved, so does this market. We can’t live with it but we can work around it.

Imagine a scenario where you as an amateur investor decide to take a dip. Based on a few tips from a few places, you make your pick. The possibility is that you might hit the nail, or may be you might get nailed. Every player who is a benchmark, be it a game, trade, business (depends on whatever you cal it) has had some level of practice and has learnt things the hard way. People have lost a lot of hope, money and many other things trying to figure out the market. They had to do it the hard way because they didn’t have a place to hone their skills. A place where they could learn tricks of the trade, where they could make an investment without the fear of losing anything and at the same time, learn a lot more than the others.

But the question still remains! Would there be such a place. Is it one of those wonderland parties that people always think about and never find? Well!! Not this time. This time round all you investors are in for a good time. It fills me with pride to present to you the game of your lifetime. The SenSex Simulation!! This game is an assortment of all that I have gathered over the years.

The Game is a complete replication of the stock markets with live feeds for the values of stocks. Registered members get to play around with money in their account, using which they can purchase and sell off stocks. The game would also give you your daily stats. These would include your portfolio, the value of your stocks, and whether you have gained or lost out, relative to the market. The SenSex Simulation provides you with a platform to stand out of the ring and get a look and feel of the rumble.

“By the time you know the rules, you’re too old to play the game!” It’s never too late to start learning. Life is a vicious circle. Someone, who does not stop learning, never stops growing.

It’s Time to tame the BULL!!

Jigar Vikamsey is a freelance writer and writes on stock markets particularly the Sensex . Play the Sensex Game For Free.

The term “asset management” refers to the process of managing the capital portfolios of a company by a professional management team. The team can invest capital in any of the following areas.

Fixed Income Securities are investments that provide fixed periodic returns. Since the interest rate on these securities is fixed, there is little risk involved with them. As the saying goes, ‘you should not put all your eggs in one basket’. The same applies to investment portfolios also. These fixed income plans do not have much risk involved. This also means that the income returns may not be that high. But they have a benefit of providing investors with the security of a fixed return at periodic intervals.

Investments in variable income securities have payments that change based on some underlying measures such as short term interest rates. This means that unlike fixed income securities, investors don’t know the payments that they will get from them. Since interest rates change based on market conditions, there is some amount of risk involved. Rising market will mean higher returns and vice versa.

Liquidity funds can be converted into liquid cash on a short notice. These funds are best meant for temporary cash investments. Consider a situation where one has some amount of cash lying idle that they won’t need for some purpose in the near future. People can make the best use of the cash by investing in liquidity funds. These funds involve same day settlement and are a better alternative than bank deposits. This is because they offer better yields at reduced credit risks.

Balanced Funds are funds that aim to maintain a balance between income and security. Thus, a mutual fund, or asset allocation fund, as it is known, involves the investment of assets into the money market, bonds, or preferred stocks. As said, the purpose of balanced funds is to maintain a balance between income and securities. Given this nature, they are very popular across the globe.

Equity Funds are also mutual funds, but unlike balanced funds that aim at both income and security, the equity funds’ purpose is long term growth through capital appreciation, dividends and interest. An equity fund investment is usually through cash or stock and not through bonds or notes.

Each of these types of investments has its pros and cons. It is wise for people to consider their investment goals before choosing one.

Asset Management provides detailed information about asset management, asset management software, asset management systems, and more. Asset Management is affiliated with Highest CD Rates.

Despite all appearances to the contrary, this is an article
about investing - not baseball. So, to those of you who love
reading about investing but hate reading about baseball: don’t
be deterred. It’s worth reading all the way through.

Return on assets is the hit by pitch of investing. Common sense
suggests it isn’t a very important measure. Why would any
investor care about return on assets when return on equity and
return on capital tell you so much more?

You don’t have to know a lot about baseball to know that the
number of times a batter is hit by a pitch shouldn’t tell you
much about his value to the team. After all, getting hit by a
pitch is a fairly rare occurrence. Even if some players are
truly talented when it comes to getting plunked, they still
won’t get hit enough to make a huge difference, right?

That’s true. In and of itself, the act of getting hit by a pitch
is not particularly productive. But (and here’s where things get
interesting), as a general rule, a simple screen for the batters
who get hit most often will yield a list of good, underrated
players.

Why? The most likely explanation is that a HBP screen returns a
list of players who are similar in other, more important ways.
Perhaps batters who get hit more often also tend to walk,
double, homer, and fly out more often - while grounding into
double plays less often. Even a casual baseball fan might
suspect this.

Since this article is about investing rather than baseball,
there’s no reason for me to discuss whether such a correlation
really does exist. I’ll just provide a list of the top ten
active leaders for HBP: Craig Biggio, Jason Kendall, Fernando
Vina, Carlos Delgado, Larry Walker, Jeff Bagwell, Gary
Sheffield, Damion Easley, Jason Giambi, and Jeff Kent.

After the top ten, the list is no less impressive. #11 - 15 are:
Derek Jeter, Luis Gonzalez, Alex Rodriguez, Matt Lawton, and
Barry Bonds. Since this list is based on career totals for
active players, it’s biased towards players who remain in the
majors and who get a lot of plate appearances.

That fact alone means the guys on this list are likely going to
be above average players. However, even if you look at the
single season HBP list, which includes a few young players
(e.g., Jonny Gomes), the guys with high HBP totals still tend to
be extraordinarily productive offensively. Simply put, screening
for HBP tends to return a much higher number of “bargain”
batters than you’d expect.

One explanation for this is that the good things players with
high HBP totals do tend to be less conspicuous than the good
things other players tend to do.

Might there be a parallel in the world of investing? You bet.
So, again I say -

Return on assets is the hit by pitch of investing.

Return on assets is a good screen for high - quality, low -
profile businesses. A high return on equity does not go
unnoticed for long. Sometimes, a high return on assets does.

Jakks Pacific (JAKK) is one good example of a high ROA stock.
Its returns have basically been what you’d expect from a toy
company. That may not sound like great news to owners of Jakks;
but, it is.

Jakks sells at a price - to - earnings ratio of about 12 and a
price - to - sales ratio of about 1. The company has grown
quickly. Over the past five years, revenue has grown at an
annual rate of about 25%. Shareholders haven’t enjoyed the full
benefits of that growth, because of share dilution - but, that’s
something best left to a longer discussion of Jakks. The point
here is simple.

Jakks may not be anything special as a toy company, but it is a
toy company. Jakks’ past return on assets proves that simply
being a toy company is something special. Jakks’ “normal” ROA of
around 5 - 12% may be nothing extraordinary in the toy business;
but, it is far more than what most businesses earn. If there
will be any future growth at Jakks, the current P/E of 12 will
be shown to have been utterly ridiculous.

If you screen for high returns on equity, you might have missed
Jakks. But, if you screen for high returns on assets, you’d have
caught this apparent bargain. By the way, I believe Joel
Greenblatt’s magic formula would have lead you to Jakks as well.

Village Supermarket (VLGEA) is another stock I’ve that has often
earned a good return on assets, but has failed to ever earn a
high enough return on equity to get much attention. This
business is not as cheap as it once was; but, it isn’t exactly
expensive at these prices either. For at least five years now,
Village has looked quite clearly like it should be valued as a
mediocre business. That’s saying something, because the market
has continually valued VLGEA as a sub - par business; which it
isn’t.

In 2000, you could have bought VLGEA at a 50% discount to book
value. In 2001, the average buyer still obtained shares at a
greater than 25% discount to book value. By then, anyone who had
been monitoring Village’s return on assets for the previous five
years would have known the stock was cheap.

For the last ten years, Village’s return on equity has been
nothing more than average; however, the performance of the stock
has been anything but average. An investor with one eye on
Village’s price - to - book ratio and the other eye on Village’s
return on assets would have enjoyed the decade long climb
without breaking a sweat.

Another one of my favorite high ROA stocks is CEC Entertainment
(CEC) - better known as Chuck E. Cheese. Recently, the stock has
earned a good return on equity. However, a simple screen based
on ROE would have brought a lot of less than wonderful
businesses to your attention along with Chuck E. Cheese.

Return on assets told a different story. Chuck E. Cheese has
consistently earned an extraordinary return on assets for the
last decade.

Now, it’s true that Chuck E. Cheese has earned a very nice
return on equity as well. But, if you’re an investor who knows
what normal ROA numbers look like, one look at CEC’s return on
assets will blow you away.

Debt can play the role of the fairy godmother. So, an investor
needs to look beyond the veil of current performance. Return on
assets can often provide a glimpse of what the stroke of
midnight will bring. ROA is just one piece of the puzzle. But,
it’s an important piece nonetheless.

A high return on assets doesn’t guarantee quality. However, I’ve
found that Mr. Market has usually offered many more small,
growing companies with extraordinary returns on assets than he
has offered small, growing companies with extraordinary returns
on equity.

Therefore, just as a general manager might want to run a quick
screen for a high HBP number, you may want to run a quick screen
for a high ROA number. I know it’s not supposed to be the best
indicator of a bargain. But, in my experience, it tends to turn
up a lot of neat ideas.

Obviously, a high return on equity is important. I’m not saying
it isn’t. I’m just saying a high return on assets is more
important than you think.

Quick, look out the window. It’s raining. No, the sun’s out. No, it’s cloudy. Wait a second, it is changing again, but I can’t tell what it is going to do.

Kinds like the stock market. Up one day, down the next, then goes sideways. That stock I bought is not acting right. Maybe I should sell it, but I’ll wait another day. My broker (the weatherman) says it will go back up.

At the beginning of every year we hear stock market forecast (whether we want to or not) and every one of the “experts” is about as accurate as our TV weatherman. Be sure to take your umbrella. Every year the Wall Street Journal surveys more than 50 economists and every year about 1/3rd of them are right. A weatherman can do better than that. The analysis of these birds seems impeccable and when you hear them speak so confidently you are sure they are right. He must be right - he’s a broker/economist/financial planner and they know everything. Well, at least a lot more than I do - maybe.

Having owned a brokerage company and hired about 300 brokers I can assure you they don’t know any more than you do. It just sounds that way. The one question you should always ask any broker before you give him your money is if he had a winning year last year. The market was down overall about 25%. If he lost more than 5% you don’t want to know him. And if he says he made a bundle you had better question him carefully and ask for proof.

For the last 3 years almost everyone lost money. But this year it will be different. My broker said so. Only once before did it ever go down 4 years in a row and the odds of it’s happening again are astronomical. Now that’s logic for you. If you want to know what the weather is you look out the window. This same logic goes for the stock market. It is going down except for brief periods. As long as the major trend continues it would be wise NOT to buy anything.

Now that President Bush has given us his “stimulus” package and the Democrats have countered with theirs I wonder how long they are going to fight over how much and who gets what. It could be months before we see anything definitive from Washington. And that means you and I won’t be getting any relief until then.

Tell those guys in the Beltway that it’s raining and we need an umbrella - NOW!

Al Thomas

Author of “If It Doesn’t Go Up, Don’t Buy It!”

Never lose money in the stock market again.

http://www.mutualfundmagic.com

There is a great deal of abuse going on in the OTC Bulletin Board Market and a lot of money is being made as result of it. Regulators are trying to deal with the problem but are unable to put a halt to it, unless they take drastic steps which will be detrimental to the small and micro-cap market.

The small and micro-cap market is an essential part in bringing small and mid-size companies public through Reverse merger and Regulation D (504) offering, these are the two most popular methods used by small and mid-size companies to go public.

This two avenues are prefer by small and mid size companies because they simpler and less expensive than the traditional IPO, It can be refer to as a simplified fast track method by which a private company can become a public company.

I described the process in detail how small and mid-size companies can go public in previous articles, if you miss them, you can email me and I will be happy to explain it.

I have over 25 years of experience in the securities industry as market maker and trader. In my own brokerage firm and with a couple of the largest wholesalers in Wall Street. I believe my experience qualify me to write on the subject with clarity and honesty from a birds eye view.

I believe in short selling as a legitimate way of providing liquidity to the market as an essential part market making, that is not what I am referring to.

A short position is established when somebody sells a stock they do not own hoping to be able to buy it bac at a later day for a lower price.

There are several reasons why selling short the stock of companies that have gone public through a reverse merger is profitable and easy, I will identify them and suggest ways that this can be stopped once all for all without affecting the legitimate short seller who are willing to sell and bear the risks associated with carrying a short position. Reason number one (1). Corporate shells, in order for an operating private company to go public in a Reverse merger it must merger with a public shell. A public shell is what remains when a public company is bankrupt or liquidated, also some shell are created as Blank Check companies,

A Blank Check company has shareholder and maybe some cash in its books but nothing else, they are created by enterprising entrepreneurs for the sole purpose of merging an operating private company into it.

What happens is that when the shell owner sell the shell to the private company he retains 5-15% of the shares for himself, on top of collecting any where upward of $500,000.00 for himself. And even if he signed and agreement not to sell for a year, most of these people can not be trusted and will at some point dump the stock or have somebody create a short position in their behalf.

Solution: The shell owner must be made to sell the entire position and be content with the money, which in most cases represents an enormous profit. I don’t have anything against anybody making a lot of money, I am all for it because I also stand to make a lot of money, I am against the way they do it.

(2). The shareholder base: In order for a company be listed on the NASDAQ Small-Cap market or the OTC Bulletin Board it must have a specified number of shareholders to qualify for listing.

(2A). Improper due diligence: Prior to purchasing a shell the private company along with the consultant that they retain to assist them in the Reverse merger should do a complete review of the shareholder list. some of those shareholder may have excessive number of shares and the true beneficial owner may be the shell owner or the consultant himself, there are a lot of smooth talking wolves posing as consultant who are operating in conjunction with the shell owner.

Solution: First run the consultant’s named and his previous employer through google and see if he has been convicted of any securities related crimes and has been barred from participating in any stock related transactions. Second write the regulator and request that consultants be required to have a website with their name on it, most of this unscrupulous character operate in a stealth manner so that regulators can’t detect their activities.

Petition the Securities and Exchange commission requesting a reduction in the number of shareholders require for listing, and if a shell has too many shares outstanding don’t buy it!

(3), Market Makers: Market makers in OTC Bulletin Board Securities are permitted to maintain a short position in securities that they are acting as market makers, but what some trader do is they register for a stock and go out sell stock on the bid (the price other market makers are willing to pay) and immediately cease to make a market in the stock and keep the short position.

Technically when a trader does this, he is circumventing the intent of the rule which allows market makers to short a stock in his role as a market maker.

Solution: Require traders to remain acting as market makers until they purchase the stock back, also regulators must make clearing agent to enforce the rules concerning the delivery of the securities on settlement or execute a buy in (buy the stock back and charge the seller) if the seller fails to deliver the stock within the prescribed period of time.

I believe that these reforms will go a long way in altering the climate for participant in Reverse merger, and in removing the vultures the prey on unsophisticated business owner from the market place.

But until the regulators act the responsibility is on the business owner to perform the proper research, if I sound like a crusader maybe that is because the industry has been good to me and I hate to see the vultures taking it over.

For additional information please visit:
http://www.genesiscorporateadvisors.com

Joseph Quinones, President of Genesis Corporate Advisors has spent over 25 years in the securities industry. In 1992 he founded JDQ Financial Group, Inc. and proceeded to build it up from a one man operation to the point where it employed many traders, advised numerous client and generated millions in revenues.
www.genesiscorporateadvisors.com

Technical analysis and fundamental analysis are the two basic
areas of strategy in the FOREX market which is the exact same as
in the equity markets. However, technical analysis is by far the
most common strategy that is used by individual FOREX traders.
Here is a brief overview of both forms of analysis and how they
directly apply to forex trading:

Fundamental Analysis If you think it’s hard enough to value one
company, you should try valuing a whole country instead.
Fundamental analysis in the forex market is often an extremely
difficult one, and it’s usually used only as a means to predict
long-term trends. However it is important to mention that some
traders do trade short term strictly on news releases. There are
a lot of different fundamental indicators of the currency values
released at many different times. Here are a few of them to get
you started:

* Non-farm Payrolls * Purchasing Managers Index (PMI) *
Consumer Price Index (CPI) * Retail Sales * Durable Goods

You need to know that these reports are not the only fundamental
factors that you have to watch. There are also quite a variety
of meetings where you can get some quotes and commentary that
can affect markets just as much as any report. These meetings
are often brought out to discuss any interest rates, inflation,
and other issues that have the ability to affect currency values.

Even changes in how things are worded when addressing certain
issues such as the Federal Reserve chairman’s comments on
interest rates; can cause a volatile market. Two important
meetings that you have to watch out for are the Federal Open
Market Committee and Humphrey Hawkins Hearings.

Just by reading the reports and examining the commentary, it can
help FOREX fundamental analysts to get a better understanding of
any and all long-term market trends and also to allow short-term
traders to be able to profit from extraordinary happenings. If
you do decide to follow a fundamental strategy, you will want to
be sure to keep an economic calendar handy at all times so you
know when these reports are released. Your forex broker may also be able
to provide you with real-time access to this kind of information.

Technical Analysis Just like their counterparts in the equity
markets, technical analysts of the FOREX trading market analyze
price trends. The only real difference between technical
analysis in FOREX and technical analysis in equities is the time
frame that is involved in that FOREX markets are open 24 hours a
day.

Because of this, some forms of technical analysis that factor in
time have to be modified so that they can work with the 24 hour
FOREX market. Some of the most common forms of technical
analysis used in FOREX are:

* The Elliott Waves * Fibonacci studies * Parabolic SAR * Pivot
points

A lot of technical analysts have a tendency to combine technical
studies to make more accurate predictions on your behalf. (The
most common method for them is combining the Fibonacci studies
with Elliott Waves.) Others prefer to create trading systems in
an effort to repeatedly locate similar buying and selling
conditions.

Choosing Your Strategy Most successful traders will develop a
strategy and perfect it over a specific period of time. Some
people will focus on one particular study or calculation, while
still some others use broad spectrum analysis as a means of
determining their trades. Most experts would likely suggest that
you try using a combination of both fundamental and technical
analysis, with which you can make long-term projections and also
determine entry and exit points. Of course, in the end, it is
the individual trader who has to decide what works best for him.

When you are ready to get started in the FOREX market, you
should open a demo account and paper trade so that you can
practice until you can make a consistent profit. Many people who
fail have a tendency to jump into the FOREX market and quickly
lose a lot of money because of a lack of experience. It is
important to take your time and learn to trade properly before
you start committing capital.

You also need to be ale to trade without emotion. You can’t keep
track of all stop-loss points if you don’t have the ability to
execute them on time. You must always set your stop-loss and
take-profit points to execute automatically, and don’t change
them unless you absolutely have to. Make your decisions and
stick to them. Otherwise you will drive yourself and your
brokers crazy.

You should also realize that you need to follow the trends. If
you go against the trend, you are just messing with your money
because the FOREX market tends to trend more often than anything
else and you will have a higher chance of success in trading
with the trend.

The FOREX market is the largest market in the world, and every
day people are becoming increasingly interested in it. But
before you begin trading, make sure your broker meets certain
criteria, and take the time to find a trading strategy that
works for you.